The Bank of Milan
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Milan is an FDIC-insured commercial bank headquartered in Milan, TN, established in 1993 (FDIC certificate 33851), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $101.1M, down 10.1% from Q2 2025, the 103rd largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33851
- Headquarters
- Milan, TN
- Established
- 1993
- Total assets, Q2 2026
- $101.1M
- Assets vs Q2 2025
- -10.1%
- Tier 1 leverage ratio, Q2 2026
- 9.52%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 084304117
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Milan call report
- Holding company
- HOMETOWN BANCORP, INC.
- Asset rank in state
- 103rd of 109 in Tennessee
Problem loans are rising at The Bank of Milan. Its balance sheet stood at $101 million at June 30, 2026, down 10.1% from a year earlier; it is based in Milan, Tennessee. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.99% of loans from 0.00% a year earlier. It lost 12.7% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also pays an average of 1.28% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Loans and deposits moved in opposite directions: over the year loans rose 9.0% and deposits fell 12.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.6 million equal 26% of Tier 1 capital, down from 37% a year earlier. Where it has less room is capital: it funds 9.52% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Bank of Milan reported a return on assets of 1.13%, a nonperforming-loan ratio of 0.99% and a Texas ratio of 7.84%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Milan is the 103rd largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.2% to $101.1M, loans rose 6.4% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 50.5% of total loans, ahead of owner-occupied commercial real estate loans at 16.9%. The FDIC Summary of Deposits lists 2 offices for it, in Milan, TN and Medina, TN; its Milan office books 78% of its branch deposits. Judged on its Q2 2026 call report, The Bank of Milan meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2011 E Van Hook St, Milan, TN 38358
- County
- Gibson
- Metro Area
- Jackson, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 12, 1993
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $88.9M
- Allowance for credit losses
- $312K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $102.7M
- Average total loans
- $59.9M
- Average interest-bearing deposits
- $76.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 12, 1993
- FDIC Cert
- 33851
- Fed RSSD
- 2123930
- Website
- www.bankofmilan.net →
- Parent Holding Company
- HOMETOWN BANCORP, INC. (RSSD 2263993)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Milan reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Bank of Milan's total assets moved between a low of $97.8M (Q3 2023) and a high of $116.7M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$101.1M total assets against $112.5M; $93.6M total liabilities against $106.6M.
$61.3M net loans and leases against $56.3M; $88.9M total deposits against $101.8M.
$27.0M securities against $29.3M; $7.7M cash and balances due against $23.1M.
$1.2M total interest income against $1.3M; $314K total interest expense against $460K.
$843K net interest income against $827K.
$116K total noninterest income against $103K; $629K total noninterest expense against $583K.
$0 provision for credit losses against $0.
$291K net income against $325K.
1.13% return on assets against 1.17%; 3.50% net interest margin against 3.07%.
9.52% tier 1 leverage ratio against 7.90%.
Inside the full The Bank of Milan terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Milan rankings
Its closest position to the top of a national ranking is 851 of 3,640, for Texas Ratio; its furthest is 3,658 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.98% (Q3 2024) to 3.76% (Q4 2025) and its net interest margin ran from 2.93% (Q3 2024) to 3.50% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.52% | 1.13% | 0.99% | 7.84% | 3.50% |
| Q1 2026 | 8.83% | 2.77% | 0.00% | 0.00% | 3.31% |
| Q4 2025 | 7.89% | 3.76% | 0.00% | 0.00% | 3.07% |
| Q3 2025 | 7.90% | 1.20% | 0.00% | 0.00% | 3.13% |
| Q2 2025 | 7.90% | 1.17% | 0.00% | 0.00% | 3.07% |
| Q1 2025 | 7.86% | 1.07% | 0.00% | 0.00% | 2.98% |
| Q4 2024 | 7.76% | 1.22% | 0.00% | 0.00% | 3.05% |
| Q3 2024 | 8.50% | 0.98% | 0.00% | 0.00% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Milan | Milan , TN | 38358 | $69.4M |
| Medina Branch | Medina , TN | 38355 | $19.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 141 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 23 loans originated, $2.9M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $207K approved, $207K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Milan
What are The Bank of Milan's total assets?
As of the Q2 2026 filing, The Bank of Milan reported total assets of $101.1 million in its FFIEC call report.
Where is The Bank of Milan headquartered?
It is headquartered in Milan, TN, United States.
When was The Bank of Milan founded?
It was established in 1993, per the FDIC institution directory.
Is The Bank of Milan FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33851). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Milan?
The Bank of Milan's primary federal regulator is the FDIC.
How many branches does The Bank of Milan operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Milan's Texas Ratio?
Its Texas Ratio is 7.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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