BlastPoint's Banking Scorecard

Millennium Bank

$100M-$1B Specialty: Commercial IL FDIC cert 58348

Designations: ✓ Minority Depository Institution

Des Plaines, IL

3 branches across IL

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 211 in IL.
Deposits +5.1% year over year ($693.2M on the books).
Delinquency rate 4.44%.
Return on assets 0.59%.
Efficiency ratio 68.97% vs a 64.48% peer average.
Loan-to-deposit ratio 94.82% 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 211 in IL

View $100M-$1B leaderboard (IL) →

Millennium Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.2% in tier
- Flatlined Growth: Bottom 27.2% in tier
- Liquidity Strain: Bottom 38.8% in tier
- Delinquency Rate 3.52% above tier average
- Non-Interest-Bearing Deposit Share 16.48% below tier average
- Nonperforming Asset Ratio 2.97% above tier average
- ROA 0.73% below tier average
- Net Interest Margin 0.94% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$844.5M +1.8% YoY +1.1% QoQ	+$457.9M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 5.9% in tier
Total Loans ?	$657.3M +6.2% YoY -1.4% QoQ	+$398.9M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 3.7% in tier
Total Deposits ?	$693.2M +5.1% YoY +2.1% QoQ	+$366.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 7.3% in tier
Return on Assets ?	0.59% +7.3% YoY -4.1% QoQ	-0.73%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 14.9% in tier
Net Interest Margin ?	3.05% -4.0% YoY +1.7% QoQ	-0.94%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 11.3% in tier
Efficiency Ratio ?	68.97% -1.3% YoY +0.3% QoQ	+4.49%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	33%
Delinquency Rate ?	4.44% +81.9% YoY -1.3% QoQ	+3.52%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 3.2% in tier
Loan-to-Deposit Ratio ?	94.82% +1.1% YoY -3.5% QoQ	+16.87%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	5.55% -16.9% YoY +0.6% QoQ	-16.48%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 4.2% in tier
Nonperforming Asset Ratio ?	3.64% +65.3% YoY -3.6% QoQ	+2.97%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 2.1% in tier
Tier 1 Capital Ratio ?	9.41% -22.8% YoY -19.2% QoQ	-6.50%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 4.3% in tier
Non-Interest Income / Assets ?	0.30% -51.4% YoY +57.8% QoQ	-0.26%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	73%

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	5.6% -1.1pp YoY 0.0pp QoQ	-16.6pp	22.1%	20.1%	22.2%	4%
Brokered Deposits	12.2% +7.1pp YoY -0.6pp QoQ	+4.4pp	7.9%	8.0%	8.5%	80%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	13.6% +0.7pp YoY -0.2pp QoQ	+2.0pp	11.6%	14.7%	12.5%	71%
CRE	71.8% +0.1pp YoY +1.3pp QoQ	+32.2pp	39.5%	37.9%	41.4%	94%
1-4 Family	16.1% -0.5pp YoY -0.9pp QoQ	-16.5pp	32.6%	28.3%	31.3%	21%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.4%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	9.4% -0.3pp YoY -0.2pp QoQ	-2.8pp	12.2%	12.2%	12.6%	19%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	71 +4 (+6.0%) YoY -2 (-2.7%) QoQ	+12	58	228	482	72%
Assets per Employee ($)	$11.9M -4.0% YoY +3.9% QoQ	+$4.4M	$7.5M	$8.3M	$8.8M	92%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	4.4% +2.0pp YoY +0.1pp QoQ	+3.5pp	0.9%	1.1%	1.0%	97%
Allowance Coverage	0.35x -42.5% YoY +8.6% QoQ	-23.80x	24.15x	5.62x	20.23x	5%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY 0.0pp QoQ	+0.1pp	0.1%	0.1%	0.2%	87%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	6.2% +1.1pp YoY -0.2pp QoQ	-6.0pp	12.2%	10.5%	11.6%	18%
Cost of Funds (YTD)	3.2% -0.5pp YoY 0.0pp QoQ	+1.5pp	1.7%	1.6%	1.7%	99%
Net Income ($, YTD)	$2.5M +20.4% YoY — QoQ	-$96K	$2.6M	$11.7M	$40.4M	61%

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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 (3)

Capital Thin

risk

#95 of 661 • Bottom 14.2% 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: 9.41%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Flatlined Growth

risk

#145 of 529 • Bottom 27.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.59%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Liquidity Strain

risk

#269 of 691 • Bottom 38.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.82%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 (3 metrics)

Total Loans

size

Value: $657.26M

Peer Median: $258.35M

#99 of 2643 Top 3.7% in $100M-$1B

156

Total Assets

size

Value: $844.46M

Peer Median: $386.57M

#156 of 2643 Top 5.9% in $100M-$1B

194

Total Deposits

size

Value: $693.16M

Peer Median: $326.73M

#194 of 2643 Top 7.3% in $100M-$1B

Top Weaknesses (7 metrics)

2589

Nonperforming Asset Ratio

credit_quality

Value: 3.64%

Peer Median: 0.67%

#2589 of 2643 Bottom 2.1% in $100M-$1B

2549

Delinquency Rate

credit_quality

Value: 4.44%

Peer Median: 0.92%

#2549 of 2633 Bottom 3.2% in $100M-$1B

2534

Non-Interest-Bearing Deposit Share

funding

Value: 5.55%

Peer Median: 22.03%

#2534 of 2643 Bottom 4.2% in $100M-$1B

2531

Tier 1 Capital Ratio

capital

Value: 9.41%

Peer Median: 15.91%

#2531 of 2643 Bottom 4.3% in $100M-$1B

2346

Net Interest Margin

profitability

Value: 3.05%

Peer Median: 3.99%

#2346 of 2643 Bottom 11.3% in $100M-$1B

2251

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.32%

#2251 of 2643 Bottom 14.9% in $100M-$1B

2206

Loan-to-Deposit Ratio

liquidity

Value: 94.82%

Peer Median: 77.95%

#2206 of 2643 Bottom 16.6% in $100M-$1B