Millennium Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 6.05 percentage points higher than in Q1 2026, at 55.52%. On loan-to-deposit ratio, Millennium Bank ranks 30th highest among the 323 banks headquartered in Illinois, at 96.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Millennium Bank sits 15.46 points higher, at 96.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $667.5M |
| Net loans and leases | $657.3M |
| Loans held for sale | $0 |
| Loans to total assets | 79.05% |
| Loan-to-deposit ratio | 96.30% |
| Net loans to equity capital | 8.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.54% |
| Multifamily (5+ residential) | 5.81% |
| Commercial and industrial | 13.38% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 391.71% |
| Construction concentration (Tier 1 capital + allowance) | 55.52% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.75% |
| Interest income on loans | $11.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $298.5M | $352.9M | 63.73% | 13.67% | 0.05% |
| Q4 2023 | $323.5M | $405.6M | 65.36% | 14.08% | 0.04% |
| Q1 2024 | $342.5M | $412.1M | 65.90% | 14.43% | 0.05% |
| Q2 2024 | $359.1M | $422.8M | 64.64% | 14.36% | 0.04% |
| Q3 2024 | $450.0M | $440.4M | 65.69% | 13.20% | 0.07% |
| Q4 2024 | $481.0M | $515.6M | 63.73% | 13.05% | 0.08% |
| Q1 2025 | $554.4M | $598.5M | 57.05% | 13.78% | 0.14% |
| Q2 2025 | $628.0M | $659.6M | 59.59% | 12.73% | 0.13% |
| Q3 2025 | $617.1M | $689.0M | 57.18% | 13.46% | 0.12% |
| Q4 2025 | $652.1M | $665.3M | 56.33% | 12.74% | 0.11% |
| Q1 2026 | $676.3M | $678.7M | 57.59% | 13.55% | 0.10% |
| Q2 2026 | $667.5M | $693.2M | 57.54% | 13.38% | 0.10% |
Millennium Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Millennium Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Millennium Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58348) · FFIEC NIC profile (RSSD 3547896)