# MILLENNIUM BANK
DES PLAINES, IL · FDIC certificate 58348 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $844.5M | |
| Deposits | $693.2M | |
| Loans and leases | $667.5M | |
| Total equity | $79.4M | |
| Loans / deposits | 94.82% (p81 of band) | 82.04% |
| Liquid assets / assets | 17.77% (p24 of band) | |
| Uninsured deposits / deposits | 26.60% (p53 of band) | 25.97% |
| Brokered deposits | 10.04% | |
| Wholesale funding | 17.14% (p90 of band) | |
| FHLB advances / assets | 7.11% | |
| Tier 1 leverage | 9.41% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -8.10% |
| AOCI / equity | 0.00% (p75 of band) | |
| ROA (annualized) | 0.59% (p14 of band) | 1.28% |
| Net interest margin | 3.05% (p11 of band) | 3.91% |
| Efficiency ratio | 68.97% (p71 of band) | |
| Noncurrent loans | 4.37% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.19% (p91 of band) | |
| Reserve coverage of noncurrent | 35.23% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 61.43% (p65 of band) | |
| Auto loans | $132,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 3 | losing money, expense ratio p90 |  |
| 2012-03 | 1 |  | losing money, expense ratio p90 |
| 2012-06 | 2 | deposits shrinking |  |
| 2012-09 | 2 | uninsured deposits leaving | deposits shrinking |
| 2012-12 | 2 | capital falling | uninsured deposits leaving |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2013-12 | 4 | capital falling, losing money |  |
| 2014-03 | 2 | uninsured deposits leaving | charge-offs p90, capital falling, losing money |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 3 | liquid assets <10%, charge-offs p90 |  |
| 2014-12 | 1 |  | reserve under noncurrent, liquid assets <10% |
| 2015-03 | 2 | loans exceed deposits, reserve under noncurrent | charge-offs p90 |
| 2015-06 | 1 |  | loans exceed deposits |
| 2015-09 | 1 | capital falling | reserve under noncurrent |
| 2015-12 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent | capital falling |
| 2016-03 | 1 |  | loans exceed deposits, reserve under noncurrent |
| 2016-06 | 1 | reserve under noncurrent | liquid assets <10% |
| 2016-09 | 2 | liquid assets <10%, uninsured deposits leaving | reserve under noncurrent |
| 2016-12 | 1 | reserve under noncurrent | liquid assets <10%, uninsured deposits leaving |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 4 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 4 | wholesale funding >15%, reserve under noncurrent | assets shrinking, uninsured deposits leaving |
| 2017-12 | 5 | uninsured deposits leaving |  |
| 2018-03 | 3 | capital falling | deposits shrinking, reserve under noncurrent, uninsured deposits leaving |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | brokered >10%, uninsured deposits leaving | capital falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 2 |  | wholesale funding >15%, brokered >10% |
| 2020-12 | 0 |  | charge-offs p90, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, reserve under noncurrent |  |
| 2021-09 | 0 |  | capital falling, reserve under noncurrent |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | uninsured deposits leaving |  |
| 2022-12 | 2 |  | uninsured deposits leaving |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | charge-offs p90 |  |
| 2024-03 | 3 |  | charge-offs p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | loans exceed deposits |  |
| 2024-12 | 3 |  | loans exceed deposits |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 5 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2026-06 | 6 | capital falling |  |

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

- 2026-07-07 [Millennium Bank CEO sets sights on growth amid industry consolidation - Crain's Chicago Business](https://news.google.com/rss/articles/CBMingFBVV95cUxNSHBoMTd4QVJhLVg0cWN2VUJhVHJubmRoY2RnaFJDM0xmOGV5NGRzRDd5MWZrZ3RzYmpLQ19HbG13WUk3QVNCNDNUdFBKNTZrdDNZVzJ0Z1RjaV95X3dZNkNvVUtIRmF3M1hQSlZxWmlzNW9BZkMzTTNGU0VwRjVNNDQxSWxFWktvZllKcEtGUEVpTU41YWUxMTZYZEN0QQ?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
- 2026-04-27 [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
- 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)
- 2024-08-28 [Minority Owned Lender Millennium Bank Taps Former Chicago Deputy Mayor Samir Mayekar for Its Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQdzJtVlRyOXlZcXpjM1psWGExZGdDUGNWSm1RRmlXSW5lcUtaMEFXQUZZNXlHeUxZdndNdXlYVXpiTlByWnppZ250c3gwVUhkcDV4UTVVR0N5V3Z1T0pUS0hOUVRnMmZ2Q3RPQUY4ZFJON1A4eGJXbUN2elM0d1BXendVbEhMWDBzVXFSMGEzbk9IMDU0eGFJVnk1U0NJMXNSX1FmNW44YVlTc0gwWXpXQjNsTXh1SHpCZTdydW9jbFBLaHJpdDBOYUd1YUNzSFowQjdBMi02ZnVqeGc0N1NMbVdIcmMwOTh1dDJxbEhTdjRldDNNdmVtZjFhUQ?oc=5) · PR Newswire
- 2025-01-21 [Chicago’s Pulaski Savings Bank is 2025’s first to fail in US - Banking Dive](https://news.google.com/rss/articles/CBMiugFBVV95cUxOTEFSR285UXdFbHF1R2RUTlJuREJEYnlTWVJqUnJaUnhDNWxTTFNMeUxDSkw3enMydWowX09UVExsdGNJTnpWbUR6ZE83X3dSRzAwLWQ5NXhWaWowVDZ0dlRTOWFnUkpmWGZGT1hVcU50dC1TZmRBX01KbWl1V0JmZ1o5Z1ZfWm15VnRhaHhkSWZkV3d5WVVBZ0U1X082TjNIbTlydlZycUFDdXJxd1J6S21nUXZ0alU1bHc?oc=5) · Banking Dive
- 2025-01-17 [Chicago’s Pulaski Savings collapses in first bank failure of 2025 - The Real Deal](https://news.google.com/rss/articles/CBMirAFBVV95cUxOa0ZGQ1BQU19xQkVRUnpZSlJPbGRWVlBYUzVQQTRGMUpqV1ZabFlFR01XS3hsX3VPWmYxRFhMYk9EdzBQa2ZMTk9FSk4yVk9Yc29tVEtHZEJEVWV6UlhJU1F0RW1zY3ZvUGpDZTNSTThOZ2dEUXhWaVRHM1NwenU0VjhURFhhTldnS0FPdWl4OFA5Z0NGZHRJNWdXR3VteTZPdlVpTmk3Vm9MN25X?oc=5) · The Real Deal
- 2020-01-30 [Millennium Bank receives Community Enhancement Award - Daily Herald](https://news.google.com/rss/articles/CBMirAFBVV95cUxPNWdJTzNtV21VSGFOa2plYmF6NlR5LS1KMzlIQnVacnhPWS16SlpqYnJJd1k5b01OQklrRzh4Ny1Tb2NoWEZRYVRqZG8tNVNBLXBsSlBHYldnY0dnWUtLdTVJWlpDRWVVcV9IWUh5YUtxc2xkd0I2bEJtN2k1UDZCVDZ5NFp0R1VGYVU4OVRWUHZGM0Z2Y0MxVHltUmtiQ1cyS1h0aGNTT3dET2pG?oc=5) · Daily Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58348 (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/44.json (key "58348", 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