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Letter portraitLegal landscape

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

$5.1M$20.2MINCOMEEXPENSE
Unfavorable gap of $15.1M · efficiency ratio beats 51% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 69.70%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.51%0.84%1.19%Beats 26%42 / 57
Return on Equity5.46%3.13%7.76%11.40%Beats 42%33 / 57
Net Interest Margin2.89%3.16%3.63%4.08%Beats 19%46 / 57
Efficiency Ratio69.70%59.57%69.70%81.06%Beats 51%29 / 57
Asset Quality
Nonperforming Loans / Loans4.37%0.06%0.34%1.78%Beats 7%53 / 56
Net Charge-Offs / Loans0.12%n/a0.00%0.01%Beats 9%52 / 56
Capital
Tier 1 Capital Ratio9.41%12.24%16.06%19.69%Beats 2%56 / 57
Total Risk-Based Capital Ratio9.41%12.54%16.50%20.95%Beats 2%56 / 57
Equity / Assets9.40%9.37%11.56%15.00%Beats 26%42 / 57
Liquidity & Funding
Loans / Deposits96.30%66.29%85.59%95.16%77th pctl13 / 57
Loans / Assets79.05%57.07%71.07%78.13%79th pctl12 / 57
Brokered Deposits / Depositsn/aNot reported for this institution