Branch Network
Millennium Bank Locations & Branches Chattanooga, Tennessee
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Millennium Bank operates 13 branches from its headquarters in Chattanooga, TN, .
Millennium Bank branch network
Its 13 branches span 3 states and 7 cities. The most are in TENNESSEE (6), FLORIDA (4) and GEORGIA (3). GEORGIA holds 37.5% of its branch deposits. Chattanooga, TN has the most of its branches, 4. Its largest office by deposits is the North Georgia National Bank Branch office in Calhoun, GA, with $160.1M (22.7% of its branch deposits). On June 30, 2025 it had 10 branches, 3 fewer than in 2026.
Millennium Bank at a glance
Its CET1 capital ratio was 9.22% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $780.8M
- CET1 ratio, Q2 2026
- 9.22%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1999
Full financial profile · Is Millennium Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Chattanooga, TN (4 branches) | 11 of 21 | 1.2% | $121.2M |
| State: TN (6 branches) | 108 of 165 | <0.1% | $220.3M |
| Largest deposit state: GA (3 branches) | 90 of 177 | <0.1% | $263.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Tennessee.
Share by county and metro area
Millennium Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Gordon, GA (2 branches) | 2 of 8 | 20.2% | $226.7M | $1.12B |
| Hamilton, TN (6 branches) | 11 of 23 | 1.7% | $220.3M | $12.71B |
| Columbia, FL (2 branches) | 3 of 6 | 7.1% | $157.7M | $2.22B |
| Whitfield, GA (1 branch) | 10 of 10 | 1.4% | $37.2M | $2.75B |
| Marion, FL (1 branch) | 20 of 21 | 0.4% | $32.9M | $7.60B |
| Alachua, FL (1 branch) | 16 of 18 | 0.5% | $29.5M | $5.68B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Calhoun, GA (2 branches) | 2 of 8 | 20.2% | $226.7M | $1.12B |
| Chattanooga, TN-GA (6 branches) | 14 of 30 | 1.4% | $220.3M | $15.84B |
| Lake City, FL (2 branches) | 3 of 6 | 7.1% | $157.7M | $2.22B |
| Dalton, GA (1 branch) | 10 of 10 | 1.2% | $37.2M | $3.23B |
| Ocala, FL (1 branch) | 20 of 21 | 0.4% | $32.9M | $7.60B |
| Gainesville, FL (1 branch) | 16 of 20 | 0.5% | $29.5M | $6.54B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 35138) · FFIEC NIC profile (RSSD 2820604)