MILLENNIUM BANK
MILLENNIUM BANK is an FDIC-insured commercial bank headquartered in OOLTEWAH, TN, established in 1999. As of , 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 4.70%. CET1 capital ratio: 10.21%, well above regulatory minimums. NPL ratio: 2.16% · Texas Ratio: 16.18%. Operates 10 domestic branches.
Capital & Liquidity
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.21% | 1.25% | 2.16% | 16.18% | 4.70% |
| 2025-09-30 | 10.07% | 0.93% | 3.43% | 23.80% | 4.12% |
| 2025-06-30 | 9.58% | 0.06% | 3.72% | 26.05% | 4.19% |
| 2025-03-31 | 10.02% | 1.43% | 0.31% | 2.17% | 4.30% |
| 2024-12-31 | 10.56% | 1.73% | 0.40% | 2.74% | 4.31% |
| 2024-09-30 | 10.20% | 1.55% | 0.33% | 2.44% | 4.16% |
| 2024-06-30 | 9.68% | 1.64% | 0.73% | 5.70% | 4.24% |
| 2024-03-31 | 9.96% | 1.33% | 0.79% | 6.15% | 4.00% |
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Frequently asked about MILLENNIUM BANK
What are Millennium Bank's total assets?
As of the Q4 2025 filing, Millennium Bank reported total assets of $791.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Millennium Bank headquartered?
Millennium Bank is headquartered in OOLTEWAH, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Millennium Bank founded?
Millennium Bank was established in 1999, per the FDIC institution directory.
Is Millennium Bank FDIC-insured?
Yes. Millennium Bank is an FDIC-insured commercial bank (FDIC Certificate #35138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Millennium Bank?
Millennium Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Millennium Bank's CET1 capital ratio?
Millennium Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.21% in its most recent quarterly filing — above regulatory minimums.
How many branches does Millennium Bank operate?
Millennium Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Millennium Bank's Texas Ratio?
Millennium Bank's Texas Ratio is 16.18% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.