# MILLENNIUM BANK
JUNCTION CITY, KS · FDIC certificate 58466 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $32.7M | |
| Deposits | $25.0M | |
| Loans and leases | $29.2M | |
| Total equity | $4.9M | |
| Loans / deposits | 115.19% (p97 of band) | 78.40% |
| Liquid assets / assets | 5.95% (p2 of band) | |
| Uninsured deposits / deposits | 3.67% (p5 of band) | 15.34% |
| Brokered deposits | 5.77% | |
| Wholesale funding | 13.78% (p89 of band) | |
| FHLB advances / assets | 8.01% | |
| Tier 1 leverage | 14.54% (p80 of band) | 11.34% |
| Unrealized securities loss / equity | -0.02% (p89 of band) | -3.15% |
| AOCI / equity | 0.00% (p92 of band) | |
| ROA (annualized) | 0.80% (p34 of band) | 1.02% |
| Net interest margin | 4.09% (p67 of band) | 3.82% |
| Efficiency ratio | 77.93% (p73 of band) | |
| Noncurrent loans | 0.09% (p23 of band) | 0.57% |
| Net charge-offs (annualized) | 0.14% (p87 of band) | |
| Reserve coverage of noncurrent | 1426.92% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 9.45% (p38 of band) | |
| Auto loans | $189,000 (0.65% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.0% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | loans exceed deposits |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 | liquid assets <10% | capital falling |
| 2012-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 2 | reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2014-03 | 6 | deposits shrinking, assets shrinking |  |
| 2014-06 | 8 | capital falling, charge-offs p90 |  |
| 2014-09 | 3 |  | uninsured deposits leaving, loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |
| 2014-12 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2015-03 | 3 |  | capital falling, charge-offs p90 |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 2 |  | liquid assets <10% |
| 2016-03 | 4 | liquid assets <10%, charge-offs p90 |  |
| 2016-06 | 3 |  | liquid assets <10% |
| 2016-09 | 2 |  | loans exceed deposits |
| 2016-12 | 3 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2017-03 | 2 | uninsured deposits leaving | charge-offs p90, liquid assets <10% |
| 2017-06 | 2 | liquid assets <10% | uninsured deposits leaving |
| 2017-09 | 2 | capital falling | liquid assets <10% |
| 2017-12 | 2 | liquid assets <10% | capital falling |
| 2018-03 | 3 | wholesale funding >15% |  |
| 2018-06 | 4 | charge-offs p90 |  |
| 2018-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15%, charge-offs p90 |

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

- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-07-27 [Dale Anders Retires After 42-Year Career in Banking - JC Post](https://news.google.com/rss/articles/CBMibkFVX3lxTE5pMk5nQ2JwNDd1RHdXZVJpMDU5VVY1eG9nLTRqZXF3WTQzdW9UelRoRVNPMU5zWnhZa1JSMXFwbTR2NXpROElqX01ZZnhLaFZJU1MxaUFETUh0T3VqN1NjVUROQlNjT0VESzN3SlpR?oc=5) · JC Post
- 2025-01-17 [Pulaski Savings Bank fails, Millennium Bank assumes deposits - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVDJhTWlJVGVuUkwyQW1nNEJOZkVoYm5CbmZvck5BWkNVckVtWnh3UUFoUm9HcTlPQkdXWmhkY0E1VUJHT2RmaVZzYVBPbF9PMHdOZ19ER3ZOS0c4NWg5SVBydkN5eUxURUVtM0hmT3hZdENiQnE4TzR5bTRnb0lvSHUxdDh5MFMxWWtBSmRKNnloM0FYcEtMUXNlTQ?oc=5) · American Banker
- 2025-11-07 [Shuttered Broward hotel could be seized in $4.5 million foreclosure - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNbnlod293MDZyM1Z4MXFqMmY0YmVOVnAzcWlGa0RMdmgzYnN4elRZSHN1LTBkZGNQSHc2cnhwbmJsRktFS3l6NEg5dXJCdFZzNjR5UFJORHk2QW1vbzVjS0tTU1RDWHFLUG1JdzA4SFMxSndwcDNqaVZZUmZiZ21pY01UMVJnWHBYZFBIWkZEc2hIdnpCRHJ2NjBnZVlvSmJEUTVtWXh2NEs4TmlwaFE?oc=5) · The Business Journals
- 2026-02-02 [Chicago’s Metropolitan Capital Bank becomes first US bank failure of 2026 - Yahoo Finance](https://news.google.com/rss/articles/CBMikAFBVV95cUxPUW5pbmlYa0RRa0FSVVNNMEZyQ2I1LVZFVUx4NmVaN0tFdElxRS1rVXRKcWdFVXNIcldqTG1wUEl6RWFoS2lza1NUdThmX3pUd3FwRVBWSUQxRy1JMGg4emZZZkF0NjNfbG9zVXhmYTc1SzZ0VkU1RWp6R1FQTzFKbVpINS01eXo5eWc5LWh3WjY?oc=5) · Yahoo Finance
- 2025-06-05 [Pulaski Bank’s failure spurred by ‘impaired capital’: FDIC OIG - Banking Dive](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOWGd3bnRMWVNwTm5fMEFCbTE4QXlDM1VWSTdIR3psM0dJUkI2NmVaZUZZTEpNT1F4bmFHNjNaSFJDYy1ydjBkamdqYXRZaXRsMnNRMHF1TDc5bjExcG5CVHE4MFJxMS1hT29LWE1CVkRlXzJIRE1FYlhxQ1g0ejBKVUt0OEE2MHYyX21JQnVrZWozb0tOSDhTQXlmblhQRzVVVUZpd2tTaUN4Sk1TcGhaUWlIU2ZJUm4xSUNDZHNzUFhYQzQ?oc=5) · Banking Dive
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58466 (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/34.json (key "58466", 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