Millennium Bank (Chattanooga, TN)
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Data as of · sourced from FFIEC call reports. How we update
Millennium Bank is an FDIC-insured commercial bank headquartered in Chattanooga, TN, established in 1999 (FDIC certificate 35138), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $780.8M, up 48.4% from Q2 2025, the 43rd largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 9.22% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35138
- Headquarters
- Chattanooga, TN
- Established
- 1999
- Total assets, Q2 2026
- $780.8M
- Assets vs Q2 2025
- +48.4%
- CET1 ratio, Q2 2026
- 9.22%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 064208518
- Holding company
- MILLENNIUM BANCSHARES, INC.
- Asset rank in state
- 43rd of 109 in Tennessee
Millennium Bank spends more to run itself than most banks of its size. Based in Chattanooga, Tennessee, it had $781 million in assets at June 30, 2026, up 48.4% from a year earlier. It loses about $1.91 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also holds common equity equal to 9.22% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.68% of loans from 3.70%. It lost $3.7 million in the quarter. Concentration is the risk to watch: it holds commercial real estate loans worth 3.9 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Millennium Bank reported a CET1 capital ratio of 9.22%, a return on assets of -1.91%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 7.57%. The figures come from its call report filed with the FFIEC.
Millennium Bank ranks as the 43rd largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $780.8M, loans fell 2.3% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.0% of total loans, ahead of 1-4 family residential loans at 23.5%. Its 13 offices in the FDIC Summary of Deposits are in 7 cities across 3 states; its Calhoun 2 offices book 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, Millennium Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7201 Shallowford Rd, Chattanooga, TN 37421
- County
- Hamilton
- Metro Area
- Chattanooga, TN-GA
- 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 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 21, 1999
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 120
- Domestic deposits
- $704.3M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- $5.6M
- Average total assets
- $780.7M
- Average total loans
- $613.4M
- Average interest-bearing deposits
- $542.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 21, 1999
- FDIC Cert
- 35138
- Fed RSSD
- 2820604
- Website
- www.ngnb.bank →
- Parent Holding Company
- MILLENNIUM BANCSHARES, INC. (RSSD 4947541)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Millennium Bank's total assets moved between a low of $512.4M (Q4 2024) and a high of $791.8M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$780.8M total assets against $526.1M; $713.8M total liabilities against $472.8M.
$596.1M net loans and leases against $403.1M; $704.3M total deposits against $465.2M.
$69.7M securities against $26.2M; $72.8M cash and balances due against $74.3M.
$11.7M total interest income against $7.5M; $3.1M total interest expense against $2.2M.
$8.6M net interest income against $5.3M.
$368K total noninterest income against $221K; $7.3M total noninterest expense against $5.3M.
$5.4M provision for credit losses against $150K.
-$3.7M net income against $85K.
-1.91% return on assets against 0.07%; 4.61% net interest margin against 4.21%.
9.22% CET1 capital ratio; 7.70% tier 1 leverage ratio against 10.21%.
Inside the full Millennium Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Millennium Bank rankings
Its closest position to the top of a national ranking is 879 of 3,640, for Texas Ratio; its furthest is 2,132 of 2,134, for CET1 ratio.
Banks merged into Millennium Bank
- North Georgia National Bank, effective October 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.91% (Q2 2026) to 1.73% (Q4 2024) and its net interest margin ran from 4.14% (Q3 2025) to 4.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.22% | -1.91% | 0.68% | 7.57% | 4.61% |
| Q1 2026 | 10.00% | 0.61% | 1.89% | 16.66% | 4.41% |
| Q4 2025 | 10.21% | 1.02% | 1.97% | 17.04% | 4.60% |
| Q3 2025 | — | 0.92% | 3.49% | 25.56% | 4.14% |
| Q2 2025 | — | 0.07% | 3.70% | 27.47% | 4.21% |
| Q1 2025 | — | 1.40% | 0.30% | 2.19% | 4.31% |
| Q4 2024 | — | 1.73% | 0.31% | 2.23% | 4.33% |
| Q3 2024 | — | 1.54% | 0.23% | 1.89% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| North Georgia National Bank Branch | Calhoun , GA | 30701 | $160.1M |
| Commons Office | Lake City , FL | 32055 | $122.0M |
| Millennium Bank (main office) | Ooltewah , TN | 37363 | $99.1M |
| Red Bud Road Branch | Calhoun , GA | 30701 | $66.6M |
| Chestnut Street Branch | Chattanooga , TN | 37402 | $52.3M |
| Dalton Branch | Dalton , GA | 30720 | $37.2M |
| South Office | Lake City , FL | 32025 | $35.7M |
| Boulevard Branch | Ocala , FL | 34470 | $32.9M |
| East Brainerd Branch | Chattanooga , TN | 37421 | $30.7M |
| Gainesville Branch | Gainesville , FL | 32607 | $29.5M |
| Shallowford Branch | Chattanooga , TN | 37421 | $25.1M |
| Millennium Bank Branch | Chattanooga , TN | 37402 | $13.1M |
| Millennium Express Banking Mobile | Ooltewah , TN | 37363 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2025 | Structure Change | Acquired North Georgia National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2020 | Structure Change | Acquired Columbia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 108 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 148 applications, 115 loans originated, $28.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $6.4M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Millennium Bank
What are Millennium Bank's total assets?
As of the Q2 2026 filing, Millennium Bank reported total assets of $780.8 million in its FFIEC call report.
Where is Millennium Bank headquartered?
It is headquartered in Chattanooga, TN, United States.
When was Millennium Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Millennium Bank FDIC-insured?
Yes. It 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.
What is Millennium Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.22% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Millennium Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Millennium Bank's Texas Ratio?
Its Texas Ratio is 7.57% 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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