Millennium Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 3.34 percentage points in Q2 2026, from 99.65% to 96.30%. It was the largest change from Q1 2026 among the key lines here. Millennium Bank ranks 271st of 323 Illinois banks on return on assets, in the lower half at 0.58% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Millennium Bank reported 0.58% on return on assets in Q2 2026, 0.68 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.41% |
| Equity capital to assets | 9.40% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.64% |
| Non-performing assets ratio | 3.86% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 37.12% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 33.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 5.97% |
| Net interest margin | 3.05% |
| Efficiency ratio | 69.19% |
| Yield on earning assets | 6.20% |
| Cost of funds | 3.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.30% |
| Core deposits to total deposits | 72.59% |
| Brokered deposits to total deposits | 12.23% |
| Deposits to assets | 82.08% |
| Securities to assets | 0.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 24.33% | 24.33% | 25.59% | 17.88% | 1.52% |
| Q4 2023 | 23.39% | 23.39% | 24.65% | 16.07% | 2.21% |
| Q1 2024 | 21.95% | 21.95% | 23.21% | 15.20% | 2.26% |
| Q2 2024 | 21.06% | 21.06% | 22.32% | 15.16% | 0.68% |
| Q3 2024 | 17.58% | 17.58% | 18.84% | 14.37% | 0.66% |
| Q4 2024 | 16.31% | 16.31% | 17.56% | 12.57% | 1.92% |
| Q1 2025 | 14.63% | 14.63% | 15.88% | 11.26% | 1.89% |
| Q2 2025 | 12.18% | 12.18% | 13.44% | 9.73% | -0.66% |
| Q3 2025 | 12.83% | 12.83% | 14.08% | 9.43% | 0.88% |
| Q4 2025 | 12.16% | 12.16% | 13.42% | 9.79% | 0.24% |
| Q1 2026 | 11.64% | 11.64% | 12.89% | 9.65% | 0.63% |
| Q2 2026 | — | — | — | 9.41% | 0.58% |
Millennium Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Millennium Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)