MILLENNIUM BANK
MILLENNIUM BANK is an FDIC-insured commercial bank headquartered in DES PLAINES, IL, established in 2007. As of , the bank reported total assets of $811M and total deposits of $665M. Profitability stands at 0.23% ROA and 2.36% ROE, with a net interest margin of 2.88%. CET1 capital ratio: 12.16%, well above regulatory minimums. NPL ratio: 3.93% · Texas Ratio: 30.83%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Millennium Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 | 12.16% | 0.23% | 3.93% | 30.83% | 2.88% |
| 2025-09-30 | 12.83% | 0.87% | 2.74% | 22.50% | 3.20% |
| 2025-06-30 | 12.18% | -0.65% | 2.84% | 24.15% | 3.12% |
| 2025-03-31 | 14.63% | 1.91% | 2.65% | 17.73% | 3.18% |
| 2024-12-31 | 16.31% | 1.92% | 2.40% | 14.97% | 3.45% |
| 2024-09-30 | 17.58% | 0.64% | 5.10% | 30.73% | 3.33% |
| 2024-06-30 | 21.06% | 0.67% | 7.03% | 34.60% | 3.13% |
| 2024-03-31 | 21.95% | 2.27% | 5.72% | 28.20% | 3.40% |
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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 $811.0 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 DES PLAINES, IL, 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 2007, per the FDIC institution directory.
Is Millennium Bank FDIC-insured?
Yes. Millennium Bank is an FDIC-insured commercial bank (FDIC Certificate #58348). 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 12.16% in its most recent quarterly filing — above regulatory minimums.
How many branches does Millennium Bank operate?
Millennium Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Millennium Bank's Texas Ratio?
Millennium Bank's Texas Ratio is 30.83% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.