BlastPoint's Banking Scorecard

Millennium Bank

$100M-$1B Specialty: Commercial TN FDIC cert 35138

Ooltewah, TN

14 branches across TN · FL · GA

2664 banks in the $100M-$1B peer group nationally 72 in TN

Millennium Bank has 1 strength 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

+ Net Interest Margin 0.53% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.5% in tier
- NIB Deposit Bleed: Bottom 43.4% in tier
- ROA 0.66% below tier average
- Delinquency Rate 1.03% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$789.1M +49.5% YoY -0.3% QoQ	+$403.0M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Top 8.5% in tier
Total Loans ?	$609.8M +45.7% YoY +2.2% QoQ	+$354.0M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Top 5.6% in tier
Total Deposits ?	$705.7M +51.2% YoY -0.3% QoQ	+$377.7M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Top 6.5% in tier
Return on Assets ?	0.61% -57.0% YoY -32.2% QoQ	-0.66%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	4.46% +0.4% YoY -2.4% QoQ	+0.53%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	81.33% +24.8% YoY +4.2% QoQ	+16.04%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Bottom 13.9% in tier
Delinquency Rate ?	1.92% +537.9% YoY -4.1% QoQ	+1.03%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	Bottom 13.5% in tier
Loan-to-Deposit Ratio ?	86.41% -3.7% YoY +2.5% QoQ	+9.77%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	20.91% -17.2% YoY +4.3% QoQ	-1.11%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	1.48% +521.3% YoY -1.7% QoQ	+0.84%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	Bottom 11.6% in tier
Tier 1 Capital Ratio ?	10.00% -4.9% YoY -2.0% QoQ	-5.83%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Bottom 9.8% in tier
Non-Interest Income / Assets ?	0.06% +41.4% YoY -57.7% QoQ	-0.22%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#3 of 414 • Bottom 0.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.33%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

NIB Deposit Bleed

decline

#87 of 198 • Bottom 43.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 20.91%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

150

Total Loans

size

Value: $609.76M

Peer Median: $255.72M

#150 of 2664 Top 5.6% in $100M-$1B

173

Total Deposits

size

Value: $705.66M

Peer Median: $327.97M

#173 of 2664 Top 6.5% in $100M-$1B

228

Total Assets

size

Value: $789.07M

Peer Median: $386.08M

#228 of 2664 Top 8.5% in $100M-$1B

517

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.93%

#517 of 2664 Top 19.4% in $100M-$1B

Top Weaknesses (5 metrics)

2403

Tier 1 Capital Ratio

capital

Value: 10.00%

Peer Median: 15.83%

#2403 of 2664 Bottom 9.8% in $100M-$1B

2355

Nonperforming Asset Ratio

credit_quality

Value: 1.48%

Peer Median: 0.64%

#2355 of 2664 Bottom 11.6% in $100M-$1B

2298

Delinquency Rate

credit_quality

Value: 1.92%

Peer Median: 0.89%

#2298 of 2654 Bottom 13.5% in $100M-$1B

2296

Efficiency Ratio

profitability

Value: 81.33%

Peer Median: 65.29%

#2296 of 2664 Bottom 13.9% in $100M-$1B

2219

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.27%

#2219 of 2664 Bottom 16.7% in $100M-$1B