BlastPoint's Banking Scorecard
Millennium Bank
Community
Specialty: Commercial
TN
FDIC cert 35138
Ooltewah, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Millennium Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 24% in Community
- - NIB Deposit Bleed: Bottom 27% in Community
- - Delinquency Rate 1.37% above tier
- - Non-Interest Income / Assets 0.60% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$791.8M
+54.5% YoY
+53.8% QoQ
|
-$599.7M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$596.8M
+42.3% YoY
+45.9% QoQ
|
-$378.7M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$707.8M
+57.2% YoY
+56.5% QoQ
|
-$456.8M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.91%
-42.0% YoY
+12.0% QoQ
|
-0.26% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
4.57%
+8.5% YoY
+5.2% QoQ
|
+0.91% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
78.05%
+27.2% YoY
-0.7% QoQ
|
+15.42% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
2.00%
+541.9% YoY
-43.3% QoQ
|
+1.37% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
84.31%
-9.5% YoY
-6.8% QoQ
|
+1.25% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
20.05%
-21.4% YoY
-20.6% QoQ
|
-1.00% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.51%
+490.9% YoY
-46.2% QoQ
|
+1.01% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 10.21% | -0.04% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.14%
-35.5% YoY
+12.2% QoQ
|
-0.60% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Margin Compression
decline
#29 of 120 · Bottom 24% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.91%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
NIB Deposit Bleed
decline
#25 of 89 · Bottom 27% in Community
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:
20.05%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Delinquency Rate
metric
Bottom 10%
in Community
Why this stands out
Current:
2.00%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.14%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.66%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.31% · Tier avg: 83.06%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.05% · Tier avg: 21.05%
40
40th pctile
Total Loans
Current: $596.8M · Tier avg: $975.5M
39
39th pctile
Total Deposits
Current: $707.8M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $791.8M · Tier avg: $1.4B
31
31th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.21% · Tier avg: 10.24%
13
13th pctile
Efficiency Ratio
Current: 78.05% · Tier avg: 62.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 2.00% · Tier avg: 0.63%
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
10
10th pctile
Delinquency Rate
Current: 2.00% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.50%
13
13th pctile
Efficiency Ratio
Current: 78.05% · Tier avg: 62.63%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.21% · Tier avg: 10.24%
31
31th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
35
35th pctile
Total Assets
Current: $791.8M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $707.8M · Tier avg: $1.2B
40
40th pctile
Total Loans
Current: $596.8M · Tier avg: $975.5M
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.05% · Tier avg: 21.05%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.31% · Tier avg: 83.06%
89
89th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.66%