What is Millennium Bank's financial health grade?

Millennium Bank has a TFS Financial Health Grade of D- (score: 60.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Millennium Bank have?

Millennium Bank has 15 branch locations across the United States.

Is Millennium Bank FDIC insured?

Yes, Millennium Bank is FDIC insured (Certificate #35138).

What are the total assets of Millennium Bank?

Millennium Bank has total assets of $791.8M as reported in its most recent FDIC filing.

Millennium Bank

BankOoltewah, Tennessee

www.millenniumbank.com

Total Assets

$791.8M

Total Deposits

$707.8M

Branches

Established

1999

TFS Health Grade

D-

60.6 / 100

Below average financial health

How we grade

Millennium Bank is a bank headquartered in Ooltewah, Tennessee, established in 1999. With $791.8M in total assets and 15 branch locations, it has a TFS Financial Health Grade of D- (60.6/100).

Capital & Safety

Tier 1 Capital Ratio

8.13%(8%)

Total Capital Ratio

11.45%(10%)

Non-Performing Loan Ratio

1.97%

Profitability

Return on Assets (ROA)

0.91%(1%)

Return on Equity (ROE)

8.85%(10%)

Net Interest Margin

4.57%

Efficiency Ratio

78.05%(60%)

Lending & Liquidity

Total Loans

$604.2M

Loan-to-Deposit Ratio

84.31%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+54.53%

Deposit Growth (YoY)

+57.22%

Net Income

$5.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Millennium BankHQ	6392 Artesian Cir	Ooltewah	TN	11
Millennium Bank	7515 Sw 24th Ave	Gainesville	FL	11
Millennium Bank	514 Sthy 47	Lake City	FL	11
Millennium Bank	151 Nw Commons Loop	Lake City	FL	11
Millennium Bank	1025 E Silver Springs Blvd	Ocala	FL	11
Millennium Bank	100 Red Bud Rd Ne	Calhoun	GA	11
Millennium Bank	350 W Belmont Dr	Calhoun	GA	11
Millennium Bank	350 W Belmont Dr	Calhoun	GA	27
Millennium Bank	1412 Chattanooga Avenue Extension	Dalton	GA	11
Millennium Bank	1478 Market St	Chattanooga	TN	11
Millennium Bank	8045 E Brainerd Rd	Chattanooga	TN	11
Millennium Bank	823 Chestnut St	Chattanooga	TN	11
Millennium Bank	7201 Shallowford Rd	Chattanooga	TN	11
Millennium Bank	4712 Hixson Pike	Hixson	TN	11
Millennium Bank	6392 Artesian Cir	Ooltewah	TN	29

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.