MILLENNIUM BANK

OOLTEWAH, TN | Medium | Est. June 21, 1999, midnight | FDIC #35138 | RSSD #2820604 | FDIC
Latest Report: 2025-12-31

MILLENNIUM BANK is amn medium FDIC-insured commercial bank headquartered in OOLTEWAH, TN, established in June 21, 1999, midnight. As of 2025-12-31, the bank reported total assets of $792M and total deposits of $708M. Profitability stands at 1.25% ROA and 12.81% ROE, with a net interest margin of 5.84%. The bank's CET1 capital ratio is 10.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.96% and a Texas Ratio of 14.70%. FDIC Certificate #35138.

Assets

$792M

Deposits

$708M

Loans

$604M

Equity

$73M

Profitability

Return on Assets (ROA) 1.25%
Return on Equity (ROE) 12.81%
Net Interest Margin (NIM) 5.84%
Yield on Assets 8.00%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 1.96%
Net Charge-Off Ratio 0.01%
Texas Ratio 14.70%
NPA Ratio 1.49%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 10.21%
Tier 1 Capital 10.21%
Total Capital Ratio 11.45%
Leverage Ratio 8.13%
Loan-to-Deposit 85.36%

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