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Millennium Bank
Chattanooga, TN · FDIC Certificate #35138 · Chartered 06/2
Total assets
$780.77M
Total deposits
$704.28M
Total equity
$67.00M
Net loans
$596.09M
Branches (offices)
13
Net income (YTD)
-$2.51M
Rank: #1,280 of 4,213 U.S. banks by assets · #43 of 109 in Tennessee. Assets changed 48.4% and deposits 51.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.64% |
| Return on equity | -7.07% |
| Net interest margin (YTD) | 4.57% |
| Equity to assets | 8.58% |
| Tier 1 leverage ratio | 7.70% |
| Uninsured deposits (share of deposits) | 34.4% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 1.84% |
| Loans to deposits | 84.6% |
| Real estate loans (share of loans) | 87.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $521.65M | 87.5% | |
| Commercial & industrial | $73.71M | 12.4% | |
| Consumer / individual | $3.31M | 0.6% | |
| Construction & development | $68.58M | 11.5% | |
| Agricultural | $34.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $535.52M | $486.60M | $3.22M | $47.10M |
| Jun 2023 | $531.37M | $462.78M | $3.47M | $49.59M |
| Jun 2024 | $527.99M | $469.67M | $3.89M | $54.01M |
| Jun 2025 | $526.13M | $465.23M | $1.94M | $53.31M |
| Jun 2026 | $780.77M | $704.28M | -$2.51M | $67.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $263.87M | 3 |
| Tennessee | $220.32M | 6 |
| Florida | $220.08M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $704.28M.
Similar-sized banks
Hiawatha National Bank ($781.33M) · People'S Bank Of Commerce ($776.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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