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The Bank of Milan

$100M-$1B Specialty: Other TN FDIC cert 33851

Milan, TN

2 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits -12.7% year over year ($88.9M on the books).
  • Delinquency rate 1.00%.
  • Return on assets 1.99%.
  • Efficiency ratio 53.33% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.95% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

The Bank of Milan has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 10.4% in tier
  • + Revenue Diversifier: Top 13.8% in tier
  • + Efficiency Ratio 11.15% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 0.5% in tier
  • - Deposit Outflow: Bottom 42.8% in tier
  • - Net Interest Margin 0.56% below tier average
  • - Delinquency Rate 0.08% above tier average
Get updates when The Bank of Milan releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $101.1M
-10.1% YoY -3.2% QoQ
-$285.5M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Bottom 0.2% in tier
Total Loans ? $61.3M
+8.9% YoY +6.5% QoQ
-$197.1M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Bottom 4.8% in tier
Total Deposits ? $88.9M
-12.7% YoY -3.3% QoQ
-$237.9M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Bottom 2.2% in tier
Return on Assets ? 1.99%
+78.2% YoY -29.4% QoQ
+0.67% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 13.4% in tier
Net Interest Margin ? 3.43%
+12.2% YoY +1.8% QoQ
-0.56% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 53.33%
-16.5% YoY +18.3% QoQ
-11.15% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
76%
Delinquency Rate ? 1.00% +0.08% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 68.95%
+24.7% YoY +10.1% QoQ
-9.00% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 19.99%
+11.0% YoY +6.3% QoQ
-2.04% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 0.61% -0.06% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 9.52%
-36.2% YoY -40.5% QoQ
-6.38% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Bottom 5.1% in tier
Non-Interest Income / Assets ? 0.68%
+256.5% YoY +24.2% QoQ
+0.12% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Top 5.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 20.0%
+2.0pp YoY
+1.2pp QoQ
 -2.2pp 22.1% 18.8% 22.2% 45%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 9.5%
+0.8pp YoY
0.0pp QoQ
 -2.0pp 11.6% 10.9% 12.5% 49%
CRE 31.1%
-5.2pp YoY
-2.8pp QoQ
 -8.4pp 39.5% 42.4% 41.4% 36%
1-4 Family 50.7%
+3.5pp YoY
-0.5pp QoQ
 +18.1pp 32.6% 39.8% 31.3% 83%
Consumer 1.9%
0.0pp YoY
0.0pp QoQ
 -2.3pp 4.1% 4.5% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.8% 19.7% n/a
Leverage Ratio 9.5%
+1.6pp YoY
+0.7pp QoQ
 -2.6pp 12.2% 11.4% 12.6% 22%
Total Capital Ratio n/a n/a 19.9% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 16
+2 (+14.3%) YoY
0 QoQ
 -43 58 270 482 5%
Assets per Employee ($) $6.3M
-21.4% YoY
-3.2% QoQ
 -$1.2M $7.5M $7.1M $8.8M 39%
Branch Count 2
0 YoY
0 QoQ
 -3 4 17 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.0% +0.1pp 0.9% 0.7% 1.0% 71%
Allowance Coverage 0.51x -23.64x 24.15x 28.97x 20.23x 10%
Net Charge-off Rate (YTD) -0.0%
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 29.2%
+6.2pp YoY
-13.9pp QoQ
 +17.0pp 12.2% 10.9% 11.6% 98%
Cost of Funds (YTD) 1.3%
-0.4pp YoY
0.0pp QoQ
 -0.4pp 1.7% 2.0% 1.7% 26%
Net Income ($, YTD) $1.1M
+70.0% YoY
— QoQ
 -$1.5M $2.6M $16.7M $40.4M 28%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#70 of 661 • Top 10.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.99%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#92 of 661 • Top 13.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.68%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.99%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Capital Thin

risk
#4 of 661 • Bottom 0.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.52%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Outflow

decline
#230 of 535 • Bottom 42.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

156
Non-Interest Income / Assets
revenue_mix
Value: 0.68%
Peer Median: 0.57%
#156 of 2643 Top 5.9% in $100M-$1B
355
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.32%
#355 of 2643 Top 13.4% in $100M-$1B
640
Efficiency Ratio
profitability
Value: 53.33%
Peer Median: 64.48%
#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (5 metrics)

2638
Total Assets
size
Value: $101.07M
Peer Median: $386.57M
#2638 of 2643 Bottom 0.2% in $100M-$1B
2585
Total Deposits
size
Value: $88.86M
Peer Median: $326.73M
#2585 of 2643 Bottom 2.2% in $100M-$1B
2516
Total Loans
size
Value: $61.27M
Peer Median: $258.35M
#2516 of 2643 Bottom 4.8% in $100M-$1B
2509
Tier 1 Capital Ratio
capital
Value: 9.52%
Peer Median: 15.91%
#2509 of 2643 Bottom 5.1% in $100M-$1B
2000
Net Interest Margin
profitability
Value: 3.43%
Peer Median: 3.99%
#2000 of 2643 Bottom 24.4% in $100M-$1B
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