# MILLENNIUM BANK
OOLTEWAH, TN · FDIC certificate 35138 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $780.8M | |
| Deposits | $704.3M | |
| Loans and leases | $603.5M | |
| Total equity | $67.0M | |
| Loans / deposits | 84.64% (p58 of band) | 82.04% |
| Liquid assets / assets | 18.26% (p26 of band) | |
| Uninsured deposits / deposits | 34.45% (p78 of band) | 25.97% |
| Brokered deposits | 2.31% | |
| Wholesale funding | 2.31% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.70% (p1 of band) | 10.81% |
| Unrealized securities loss / equity | -4.02% (p67 of band) | -8.10% |
| AOCI / equity | -0.88% (p26 of band) | |
| ROA (annualized) | -0.64% (p1 of band) | 1.28% |
| Net interest margin | 4.57% (p85 of band) | 3.91% |
| Efficiency ratio | 81.37% (p90 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.43% |
| Net charge-offs (annualized) | 1.43% (p99 of band) | |
| Reserve coverage of noncurrent | 181.32% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 102.37% (p87 of band) | |
| Auto loans | $238,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.0M (6% of equity) (p94 of band) | |
| Deposits YoY | 51.4% | |
| Employees | 120 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, construction >100% equity |  |
| 2011-06 | 4 | reserve under noncurrent | charge-offs p90 |
| 2011-09 | 3 |  | expense ratio p90 |
| 2011-12 | 3 |  |  |
| 2012-03 | 6 | noncurrent p90, charge-offs p90, deposits shrinking, assets shrinking | losing money |
| 2012-06 | 6 | uninsured deposits leaving | noncurrent p90 |
| 2012-09 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | noncurrent p90 |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2014-03 | 4 |  |  |
| 2014-06 | 2 |  | deposits shrinking, assets shrinking |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 0 |  | construction >100% equity |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, construction >100% equity |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 | construction >100% equity | capital falling |
| 2018-03 | 0 |  | construction >100% equity |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 2 | construction >100% equity |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | expense ratio p90 |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | reserve under noncurrent |  |
| 2021-03 | 1 |  | capital falling, construction >100% equity, expense ratio p90 |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | construction >100% equity |  |
| 2024-12 | 1 |  | charge-offs p90 |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 1 |  | noncurrent p90 |
| 2026-03 | 1 |  |  |
| 2026-06 | 3 | losing money, charge-offs p90, construction >100% equity | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-07 [Island’s banking community will get a new player - Vero News](https://news.google.com/rss/articles/CBMihwFBVV95cUxQV1ZfQmFJWHlDWEEtZGNYTnk3MHItQUZMNTd2cmx1Yll5c0JaUFc2dnhLUkJCXzUtOFVwT1dCcEF6UkMxSUxudVNLSENQYkdDQk8ydnlTZUxmQnNXNTlWdWZ0QnFVQk9NVEhKVGZHWmxqcUpTQ2JOSjlYN0p0ZkNLMUFaN0dMaVk?oc=5) · Vero News
- 2025-06-11 [NGNB merges with Millennium - Dalton Daily Citizen](https://news.google.com/rss/articles/CBMic0FVX3lxTE9PMnZrNmZnMVRHTzBaallNRVA5OHBmYmJjcHUyV1dGbGpKQVJ6ak9DQmdBTmhyRDBjVnNXaWZheXljSEtTRVlNM2VWYTl3aEZzQWdIZURBdVBwM2R1QlNZMG9yX1NtWnB5eHBZOFZqT1JQWms?oc=5) · Dalton Daily Citizen
- 2020-03-05 [Parent company of Millennium Bank in Chattanooga expands to Florida - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMihwFBVV95cUxOQjRucGIzbFpKdnlHaTNHSjRQY3Z1RDJvX1BXaFhpZzNOSk0tNTJHenRZQnN4Vnp1MUFfUWgzMXEtVnRERl9PMExCaWlWWmk0MlpUV0ZsSzE4bWg2UElzblhyMUVmRHRUbEFLejJwT09BcmlKcnRWMU9rNUhhWnRqbDdNV0hYMGs?oc=5) · Chattanooga Times Free Press
- 2020-03-06 [Columbia Bank to become Millennium Bank by June - Gainesville Sun](https://news.google.com/rss/articles/CBMiswFBVV95cUxPOVdic1VaN012VTJNSmd4bGRvbWI5enVCMFc4NGVodC1Rb3BXMXNiV21HMzZwLUVpRTgycG1yejh6TTlmNlYySE1sUk51VVFIYUtvQ0xoZnhuaDhMQU85ZFZ3RzduVU03MkloYmlmeno1ZVlYUXZzcVRuNlJIZ0VSa1A4eW1RX01aemNIR3l5U2ZZRTlER2ZoRFVGZHlrem9vRFNZUU9HMGlWU3FlMk9JZmI5cw?oc=5) · Gainesville Sun
- 2020-09-09 [Brett Johnson Named Chief Risk Officer, Executive Vice President Of Millennium Bank - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMXBkazQxb3daUzFHNXpqR3pwb3ZzWFA0aXlIV1BjRDFFdVFrQ1pjME9wcVNKay1teDZfNllza2dteXhqZllPMks1X3VWc0ZZc2l5X1RsWGlDckxIa1NmbFNQYml0dFJBNnN2X3cwbHM3SW9kNGVyNndYNWRXSWF3eXFpMU41Umx1MWNVdTQxMWV2Zw?oc=5) · Chattanoogan.com Breaking News
- 2024-02-03 [Millennium Bank has seen quarter century of growth with acquisitions - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMilwFBVV95cUxQV19nYkhueVg1REF0aXZ3T3daLVZYXzZibURWZWd6UEFVcnhLLXpJMTZpRzZLSTJTMUxBVXhoTTZxdElXaS1oSjFkbmtvOXRUU0Rtc3ViYlp5VEU2aTRsWkpRMEJValg1THBWcVhEOWNGVzVnNHA0QzVDUHFsWWJIU3p2NklsUWZyd1hqRW5oVHZ0bDFMdHhN?oc=5) · Chattanooga Times Free Press
- 2025-01-24 [Obituary information for Connie Carter - heritagechattanooga.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9vdVhObFIyeFJlTHpoWW9SdnpXVXZ6WUYzcXZBUVVhZXhEaE5rTEpEQlVDVXNhNG55TGxvSW1kZWpMYlpCVTM5YVpmc2dVSlZkSnFYNzNteW9vcGlpUmhCeEJtZ01lN25INFpRZ1h1RXdVUlcyQWF6M1BCSkYtUlE?oc=5) · heritagechattanooga.com
- 2021-09-27 [Millennium Bank Donates Shelter Supplies To Humane Educational Society - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMiigFBVV95cUxOajVtLWZWN1V4TGxfRmxLZkVSWEVVUHR2TGJhNzBoTmczczE5NkVndkxFdHBYQUJRUGlJSUNaWHZuYTNNSEx3LTNiSng2dGl4dHA4eWlFQndCdThzR1ZqdWZ2eGkwOHFkMk9nd2o2czVLVm1IUmVtakJ5d3RoRDFQMGFfOFJzTndpWkE?oc=5) · Chattanoogan.com Breaking News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35138 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "35138", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide