Millennium Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Millennium Bank of Chattanooga, TN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.91% | 1.25% | -3.16% | 1st bottom |
| ROAE | -21.31% | 12.22% | -33.53% | 1st bottom |
| Net Interest Margin | 4.61% | 3.95% | +0.66% | 82nd top |
| Efficiency Ratio | 81.14% | 63.71% | +17.43% | 11th bottom |
| PPNR / Avg Assets | 0.86% | — | — | 15th bottom |
| Yield on Earning Assets | 6.26% | 5.67% | +0.59% | 79th top |
| Cost of Funds | 1.76% | 1.87% | -0.11% | 53rd above |
| Net Interest Spread | 3.98% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.88% | -0.20% | 38th below |
| NPA / Total Assets | 0.62% | — | — | 33rd below |
| NCO / Avg Loans | 3.66% | 0.15% | +3.51% | 1st bottom |
| ACL / Total Loans | 1.23% | — | — | 54th above |
| ACL / NPLs (Coverage) | 181.32% | — | — | 44th below |
| Texas Ratio | 7.57% | 5.96% | +1.61% | 24th bottom |
| Provision / NCO | 95.70% | — | — | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.22% | 17.18% | -7.96% | 0th bottom |
| Tier 1 Ratio | 9.22% | 17.21% | -7.99% | 0th bottom |
| Total Capital Ratio | 10.46% | — | — | 1st bottom |
| Leverage Ratio | 7.70% | 11.75% | -4.05% | 1st bottom |
| Equity / Assets | 8.58% | 10.98% | -2.40% | 20th bottom |
| TCE / Tangible Assets | 7.38% | — | — | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.69% | 80.44% | +5.25% | 39th below |
| Core Deposit Ratio | 80.78% | 86.95% | -6.17% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 48.40% | — | — | 99th top |
| Loan Growth (Y/Y) | 47.91% | — | — | 99th top |
| Deposit Growth (Y/Y) | 51.38% | — | — | 99th top |
See Millennium Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Millennium Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Millennium Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Millennium Bank peer analysis.