Des Plaines, IL · Cert 58348 · Millennium Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #57 of 147 inst. · $0.7B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 1.51% | 1.57% | -0.65% | 0.74% | 0.15%1 | 0.54% | 0.50% | +115 bps | |
| Return on Equity | 4.26% | 12.22% | 13.61% | -6.40% | 7.74% | 1.55% | 5.62% | 5.27% | +1,167 bps | |
| Net Interest Margin | 3.13% | 3.25% | 2.99% | 2.98% | 3.05% | 2.78% | 2.88% | 2.96% | -2 bps | |
| Efficiency Ratio | 57.83% | 60.85% | 52.80% | 93.03% | 66.64% | 96.49% | 68.75% | 69.19% | -2,384 bps | |
| Non-Interest Burden | 1.21% | 1.09% | 0.48% | 2.79% | 1.90% | 2.69% | 1.75% | 1.93% | -86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.71% | 34.85% | 49.83% | 65.17% | 35.42% | 23.88% | 13.54% | 1.78% | -6,340 bps | |
| Loan Growth (YoY) | 50.77% | 48.69% | 61.86% | 74.89% | 37.12% | 35.59% | 22.01% | 6.30% | -6,859 bps | |
| Deposit Growth (YoY) | 24.78% | 27.12% | 45.22% | 56.01% | 56.46% | 29.02% | 13.41% | 5.09% | -5,092 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.57% | 1.91% | 2.16% | 2.40% | 2.66% | 3.89% | 4.43% | 4.37% | +196 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.39% | 0.00% | 0.25% | 0.38% | 0.06% | 0.26% | 0.21% | -4 bps | |
| Allowance / Loans | 1.67% | 1.54% | 1.47% | 1.47% | 1.45% | 1.41% | 1.44% | 1.54% | +7 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.8x | 0.7x | 0.6x | 0.5x | 0.4x | 0.3x | 0.4x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.37% | 12.57% | 11.26% | 9.73% | 9.43% | 9.79% | 9.65% | 9.41% | -32 bps | |
| Total Risk-Based Capital | 18.84% | 17.56% | 15.88% | 13.44% | 14.08% | 13.42% | 12.89% | 9.41% | -403 bps | |
| Equity / Assets | 12.81% | 12.00% | 11.15% | 9.38% | 9.85% | 9.75% | 9.57% | 9.40% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.20% | 93.28% | 92.62% | 95.21% | 89.57% | 98.02% | 99.65% | 96.30% | +109 bps | |
| Liquid Assets / Assets | 15.14% | 14.92% | 14.10% | 14.05% | 14.10% | 14.97% | 14.08% | 8.83% | -523 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 552% | 572% | 602% | n/a | n/a | |