# MILLENNIUM BANK
EDWARDS, CO · FDIC certificate 57175 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $251.0M | |
| Deposits | $225.9M | |
| Loans and leases | $170.9M | |
| Total equity | $17.8M | |
| Loans / deposits | 73.70% (p59 of band) | 69.17% |
| Liquid assets / assets | 26.16% (p30 of band) | |
| Uninsured deposits / deposits | 7.92% (p48 of band) | 8.28% |
| Brokered deposits | 18.78% | |
| Wholesale funding | 21.34% (p97 of band) | |
| FHLB advances / assets | 1.20% | |
| Tier 1 leverage | 6.65% (p5 of band) | 10.02% |
| Unrealized securities loss / equity | 8.67% (p80 of band) | 3.21% |
| AOCI / equity | 0.44% (p68 of band) | |
| ROA (annualized) | -0.45% (p8 of band) | 0.78% |
| Net interest margin | 4.04% (p66 of band) | 3.76% |
| Efficiency ratio | 92.32% (p85 of band) | |
| Noncurrent loans | 4.12% (p83 of band) | 1.31% |
| Net charge-offs (annualized) | 1.22% (p95 of band) | |
| Reserve coverage of noncurrent | 63.26% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 173.77% (p99 of band) | |
| Auto loans | $82,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, wholesale funding >15%, leverage <7%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  | noncurrent p90 |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 9 | capital falling, assets shrinking |  |
| 2012-06 | 8 |  | assets shrinking |

## 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
- 2026-04-27 [First Bank & Trust of Illinois taps former Millennium Bank exec as CEO - Crain's Chicago Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbzlGREwteV9VZlY1RG45QXdQNFBXdWswWmFEMUdHREVoNzlHYzVXeFVLMFdIM1d3ZnJvdlFWRWIwZmRMeTlGVUZmSUVJNm1idWdnWFVVSVBNS2xYMGxBQVJLSVFkLWVYR19vNVpoOHBFTlVlZmpnUW02N2FSOTdBRFpMbTZIcEVfUjRiV1hMUFlqV0V2RXZtcw?oc=5) · Crain's Chicago Business
- 2026-04-27 [First Bank & Trust Company of Illinois Appoints Nicholas “Nick” Dizonno as Chief Executive Officer - Business Wire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOdk1sR00yUm9CeUowRDdqU1YxM1FiX0psSWszUnY0YjlQNkVzeHBlM01HOV9vbWRFVTJBU01UUEV5VUNNYXpWV0RtX1NLSGxTNjhBSHBOdFJoM29Vd1JHOV9GRHN3LWxyZVFhcl9DRW1UV0pVRGtfQnVYbWkxU2paeUpFU3l1NEU2S1lWSmtMaWJjeUFHSmRHc1lCSnVVdHo2UXA0dEMyRG5GMlFCUF9KV1MtUU1ILWhGUnZscGFFaUZQSVFEbmtlZEdGX3kzdFBsMm9NQ1Ffb24xekpHLXBYZHZ0MjFKdw?oc=5) · Business Wire
- 2026-04-28 [First Bank & Trust Company of Illinois Names Nicholas Dizonno Chief Executive Officer - citybiz](https://news.google.com/rss/articles/CBMivwFBVV95cUxNbGZnRVU1VEs1Ym8wR21XOFI4NllaVHV4eHNaQld1eWVBMGd1azVlb2ZrNGNmWHBUaGJHc3pNRmRIMElWNThQclhHUVpDbUpnVTMxUUtlY0RRSmpFNDBwWGs1S2tNdUZRVV9IOHVZNHJWc0wwQ3JGdWtCY1JRUzhwZnFPdVdIMVY4OEhWam51ZFVVZ1ZaTzBweFRCY015UHk5NzBnb3oxczd3dE9MZnh5bU01RzdINnVaeWRTSW1saw?oc=5) · citybiz
- 2025-01-17 [Failed Bank Information for Pulaski Savings Bank, Chicago, IL - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMifEFVX3lxTE5lSVZuR1F6Sloya2VRYVRhVDJSTkx4ZS1BV2ZzT1M5OHEtVkdGMUlrNUxqX1ByNlZqUGRxUktxc1NXbFZRZWxXNUJDLVVuMUxHaFZXeEQ5ZzRrOGRTcjYwOWRlV0huRllBV1hBTDNVc3RmMk1idWhDU1pDUFI?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 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
- 2025-06-11 [NGNB merges with Millennium - Dalton Daily Citizen](https://news.google.com/rss/articles/CBMic0FVX3lxTE9PMnZrNmZnMVRHTzBaallNRVA5OHBmYmJjcHUyV1dGbGpKQVJ6ak9DQmdBTmhyRDBjVnNXaWZheXljSEtTRVlNM2VWYTl3aEZzQWdIZURBdVBwM2R1QlNZMG9yX1NtWnB5eHBZOFZqT1JQWms?oc=5) · Dalton Daily Citizen
- 2020-03-06 [Columbia Bank to become Millennium Bank by June - Gainesville Sun](https://news.google.com/rss/articles/CBMiswFBVV95cUxPOVdic1VaN012VTJNSmd4bGRvbWI5enVCMFc4NGVodC1Rb3BXMXNiV21HMzZwLUVpRTgycG1yejh6TTlmNlYySE1sUk51VVFIYUtvQ0xoZnhuaDhMQU85ZFZ3RzduVU03MkloYmlmeno1ZVlYUXZzcVRuNlJIZ0VSa1A4eW1RX01aemNIR3l5U2ZZRTlER2ZoRFVGZHlrem9vRFNZUU9HMGlWU3FlMk9JZmI5cw?oc=5) · Gainesville Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57175 (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/23.json (key "57175", 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