BlastPoint's Banking Scorecard
Millennium Bank
Designations: ✓ Minority Depository Institution
Des Plaines, IL
3 branches across IL
Millennium Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 92.9% in tier
- - Delinquency Rate 3.61% above tier average
- - Non-Interest-Bearing Deposit Share 16.50% below tier average
- - Nonperforming Asset Ratio 3.14% above tier average
- - ROA 0.65% below tier average
- - Net Interest Margin 0.93% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$835.4M
+13.5% YoY
+3.0% QoQ
|
+$449.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 6.7% in tier |
| Total Loans ? |
$666.6M
+22.1% YoY
+3.7% QoQ
|
+$410.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 3.6% in tier |
| Total Deposits ? |
$678.7M
+13.4% YoY
+2.0% QoQ
|
+$350.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 8.3% in tier |
| Return on Assets ? |
0.62%
-67.7% YoY
+10.3% QoQ
|
-0.65% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
3.00%
-7.3% YoY
-4.9% QoQ
|
-0.93% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio ? |
68.75%
+30.2% YoY
-7.6% QoQ
|
+3.46% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
4.49%
+105.3% YoY
+13.9% QoQ
|
+3.61% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.6% in tier |
| Loan-to-Deposit Ratio ? |
98.22%
+7.6% YoY
+1.6% QoQ
|
+21.58% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.52%
-10.3% YoY
-8.2% QoQ
|
-16.50% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.1% in tier |
| Nonperforming Asset Ratio ? |
3.78%
+109.7% YoY
+13.6% QoQ
|
+3.14% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.8% in tier |
| Tier 1 Capital Ratio ? |
11.64%
-20.4% YoY
-4.3% QoQ
|
-4.19% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.19%
-65.1% YoY
-81.1% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
85% |
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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 (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.