Millennium Bank
Des Plaines, IL · Cert 58348 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Millennium Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$844.5MAssets
$667.5MLoans
$693.2MDeposits
$79.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 51% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 29 of 57).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 56 of 57).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.51%
Rank 42 of 57
Net Interest Margin
2.89%
Rank 46 of 57
Efficiency Ratio
69.70%
Rank 29 of 57
Equity / Assets
9.40%
Rank 42 of 57
Non-interest income vs. expense
Unfavorable gap of $15.1M · efficiency ratio beats 51% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.51% | 0.84% | 1.19% | Beats 26% | 42 / 57 | |
| Return on Equity | 5.46% | 3.13% | 7.76% | 11.40% | Beats 42% | 33 / 57 | |
| Net Interest Margin | 2.89% | 3.16% | 3.63% | 4.08% | Beats 19% | 46 / 57 | |
| Efficiency Ratio | 69.70% | 59.57% | 69.70% | 81.06% | Beats 51% | 29 / 57 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.37% | 0.06% | 0.34% | 1.78% | Beats 7% | 53 / 56 | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.00% | 0.01% | Beats 9% | 52 / 56 | |
| Capital |
| Tier 1 Capital Ratio | 9.41% | 12.24% | 16.06% | 19.69% | Beats 2% | 56 / 57 | |
| Total Risk-Based Capital Ratio | 9.41% | 12.54% | 16.50% | 20.95% | Beats 2% | 56 / 57 | |
| Equity / Assets | 9.40% | 9.37% | 11.56% | 15.00% | Beats 26% | 42 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 96.30% | 66.29% | 85.59% | 95.16% | 77th pctl | 13 / 57 | |
| Loans / Assets | 79.05% | 57.07% | 71.07% | 78.13% | 79th pctl | 12 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |