BlastPoint's Banking Scorecard
Millennium Bank
Community
Specialty: Commercial
IL
FDIC cert 58348
Des Plaines, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
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
- - Cost Spiral: Bottom 100% in Community
- - Delinquency Rate 3.32% above tier
- - Non-Interest-Bearing Deposit Share 15.03% below tier
- - Nonperforming Asset Ratio 2.83% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$811.0M
+23.9% YoY
+0.2% QoQ
|
-$580.5M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$642.9M
+35.8% YoY
+5.7% QoQ
|
-$332.6M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$665.3M
+29.0% YoY
-3.4% QoQ
|
-$499.3M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.56%
-59.1% YoY
-17.0% QoQ
|
-0.60% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
3.15%
-4.4% YoY
-2.8% QoQ
|
-0.51% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
74.44%
+28.8% YoY
+8.3% QoQ
|
+11.80% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
3.94%
+103.2% YoY
+46.2% QoQ
|
+3.32% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
96.64%
+5.2% YoY
+9.5% QoQ
|
+13.58% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
6.01%
-21.1% YoY
-8.9% QoQ
|
-15.03% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
3.33%
+107.3% YoY
+38.2% QoQ
|
+2.83% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.16%
-25.4% YoY
-5.2% QoQ
|
+1.92% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
1.02%
-30.8% YoY
+11.3% QoQ
|
+0.28% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Cost Spiral
risk
#40 of 40 · Bottom 100% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
74.44%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.94%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.01%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.33%
(Tier avg: 0.50%, National avg: 0.48%)
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
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.64% · Tier avg: 83.06%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.16% · Tier avg: 10.24%
45
45th pctile
Total Loans
Current: $642.9M · Tier avg: $975.5M
36
36th pctile
Total Assets
Current: $811.0M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $665.3M · Tier avg: $1.2B
22
22th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.66%
18
18th pctile
Efficiency Ratio
Current: 74.44% · Tier avg: 62.63%
13
13th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.16%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.01% · Tier avg: 21.05%
0
0th pctile
Delinquency Rate
Current: 3.94% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.33% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.33% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.94% · Tier avg: 0.63%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.01% · Tier avg: 21.05%
13
13th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 74.44% · Tier avg: 62.63%
22
22th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.66%
35
35th pctile
Total Deposits
Current: $665.3M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $811.0M · Tier avg: $1.4B
45
45th pctile
Total Loans
Current: $642.9M · Tier avg: $975.5M
49
49th pctile
Tier 1 Capital Ratio
Current: 12.16% · Tier avg: 10.24%
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.64% · Tier avg: 83.06%
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%