BlastPoint's Banking Scorecard

Millennium Bank

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

Ooltewah, TN

14 branches across TN · FL · GA

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 +51.4% year over year ($704.3M on the books).
Delinquency rate 0.69%.
Return on assets -0.64%.
Efficiency ratio 81.37% vs a 64.48% peer average.
Loan-to-deposit ratio 84.64% 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) →

Millennium Bank has 2 strengths but faces 2 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 0.58% above tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.3% in tier
- Return on Assets 1.96% below tier average

Get updates when Millennium Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$780.8M +48.4% YoY -1.1% QoQ	+$394.2M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Top 9.0% in tier
Total Loans ?	$596.1M +47.9% YoY -2.2% QoQ	+$337.7M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Top 6.2% in tier
Total Deposits ?	$704.3M +51.4% YoY -0.2% QoQ	+$377.5M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Top 6.4% in tier
Return on Assets ?	-0.64% -185.7% YoY -203.8% QoQ	-1.96%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Bottom 1.7% in tier
Net Interest Margin ?	4.57% +5.3% YoY +2.5% QoQ	+0.58%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	81.37% +1.5% YoY +0.1% QoQ	+16.89%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	Bottom 12.2% in tier
Delinquency Rate ?	0.69% -81.7% YoY -64.3% QoQ	-0.23%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	38%
Loan-to-Deposit Ratio ?	84.64% -2.3% YoY -2.1% QoQ	+6.69%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	25.10% -4.9% YoY +20.1% QoQ	+3.07%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	0.62% -78.3% YoY -57.9% QoQ	-0.05%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	9.22% -9.7% YoY -7.8% QoQ	-6.69%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Bottom 2.5% in tier
Non-Interest Income / Assets ?	0.11% +27.5% YoY +78.9% QoQ	-0.46%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	21%

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	25.1% -1.3pp YoY +4.2pp QoQ	+3.0pp	22.1%	18.8%	22.2%	66%
Brokered Deposits	2.6% -2.7pp YoY 0.0pp QoQ	-5.3pp	7.9%	9.4%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	12.4% -1.5pp YoY -0.2pp QoQ	+0.8pp	11.6%	10.9%	12.5%	65%
CRE	61.4% -2.4pp YoY +0.2pp QoQ	+21.9pp	39.5%	42.4%	41.4%	86%
1-4 Family	23.8% +1.5pp YoY -0.2pp QoQ	-8.9pp	32.6%	39.8%	31.3%	38%
Consumer	0.6% +0.3pp YoY -0.1pp QoQ	-3.6pp	4.1%	4.5%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	9.2% -0.8pp QoQ	-9.6pp	18.8%	14.8%	19.7%	0%
Leverage Ratio	7.7% -2.5pp YoY -0.6pp QoQ	-4.5pp	12.2%	11.4%	12.6%	1%
Total Capital Ratio	10.5% -0.8pp QoQ	-9.5pp	19.9%	15.9%	20.8%	0%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	120 +31 (+34.8%) YoY -2 (-1.6%) QoQ	+61	58	270	482	92%
Assets per Employee ($)	$6.5M +10.1% YoY +0.6% QoQ	-$1.0M	$7.5M	$7.1M	$8.8M	43%
Branch Count	14 +4 (+40.0%) YoY -1 (-6.7%) QoQ	+9	4	17	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp QoQ	-0.3pp	0.3%	0.2%	0.4%	14%
Nonaccrual	0.7% -3.1pp YoY -1.2pp QoQ	-0.3pp	0.9%	0.7%	1.0%	61%
Allowance Coverage	1.81x +459.1% YoY +172.7% QoQ	-22.34x	24.15x	28.97x	20.23x	44%
Net Charge-off Rate (YTD)	1.8% +1.8pp YoY +1.8pp QoQ	+1.7pp	0.1%	0.1%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	-7.1% -14.1pp YoY -13.7pp QoQ	-19.3pp	12.2%	10.9%	11.6%	1%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	2.0%	1.7%	49%
Net Income ($, YTD)	$-2508000.0 -229.2% YoY — QoQ	-$5.1M	$2.6M	$16.7M	$40.4M	1%

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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 (1)

Efficiency Drag

risk

#2 of 361 • Bottom 0.3% in tier

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

Why this signature

Efficiency Ratio: 81.37%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

166

Total Loans

size

Value: $596.09M

Peer Median: $258.35M

#166 of 2643 Top 6.2% in $100M-$1B

171

Total Deposits

size

Value: $704.28M

Peer Median: $326.73M

#171 of 2643 Top 6.4% in $100M-$1B

238

Total Assets

size

Value: $780.77M

Peer Median: $386.57M

#238 of 2643 Top 9.0% in $100M-$1B

474

Net Interest Margin

profitability

Value: 4.57%

Peer Median: 3.99%

#474 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (4 metrics)

2600

Return on Assets

profitability

Value: -0.64%

Peer Median: 1.32%

#2600 of 2643 Bottom 1.7% in $100M-$1B

2578

Tier 1 Capital Ratio

capital

Value: 9.22%

Peer Median: 15.91%

#2578 of 2643 Bottom 2.5% in $100M-$1B

2322

Efficiency Ratio

profitability

Value: 81.37%

Peer Median: 64.48%

#2322 of 2643 Bottom 12.2% in $100M-$1B

2083

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2083 of 2643 Bottom 21.2% in $100M-$1B