FDIC Cert #58348 · Des Plaines, Illinois · Est. 2007

Millennium Bank - FDIC Bank Health Profile

A community-scale look at Millennium Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$811M
Total assets
C
Health grade · Fair
0.56%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

Millennium Bank earns a PlainBankData health grade of C (63/100), with well-capitalized at 12.16% Tier 1, 0.56% ROA, 74% efficiency ratio.

#1,255
largest of 4,313 FDIC banks by assets
71st
percentile by asset size, nationally
12.16%
Tier 1 ratio - above the 10% well-capitalized line
18th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 58348 · IL C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3561/4307
  • PHOTO-FINISH 1st Advantage Bank · MO
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-HEALTHY 28.7% Texas
  • ROA-THIN 0.56% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: 1st Advantage Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Millennium Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Advantage Bank · MO · ne…63/100Commerce Bank & Trust · FL ·…63/100Continental Bank · UT · near63/100Millennium Bank · IL · this …63/100R Bank · TX · near63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Millennium Bank · July 2026

Call Report read for Millennium Bank in a high-failure state

Millennium Bank (FDIC Cert #58348) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,561 of 4,307. Tier 1 capital prints at 12.16%, clearing the 10% well-capitalized line. The Texas Ratio is 28.72%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.56%. Balance-sheet scale is $811M, 1,255th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is 1st Advantage Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Millennium Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Millennium Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Millennium Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Millennium Bank's 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
Millennium Bank's composite health score
Tier 1 Capital Ratio (12.16%) 35/40
Return on Assets (ROA) (0.56%) 14/25
Texas Ratio (28.72%) 10/20
Efficiency Ratio (74.44%) 4/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$811M

Total balance-sheet footings

Total Deposits

$665M

Customer-funded liabilities

Net Loans

$643M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.76% 12.16% 13.56%
Basel III capital ratios - Millennium Bank

Where Millennium Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Millennium Bank's score of 63/100 falls in the highlighted band.

Millennium Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Millennium Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Millennium Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Millennium Bank's $811M falls in the highlighted band.

Capital & credit buffers at Millennium Bank

Tier 1 capital ratio
Well-capitalized 10%

12.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.16%
Texas Ratio
28.72%
Equity Capital
$79M

What these ratios mean →

Profitability metrics: Millennium Bank

Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
5.41%
Efficiency Ratio
74.44%

What these mean →

Income & expense at Millennium Bank

$49M
Interest Income
$8M
Non-Interest Income
$24M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Millennium Bank reports a Texas Ratio of 28.72% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

28.72% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Millennium Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($811M here), outside Illinois so the neighborhood is not state containment.

CUSB Bank $811M · IA Oregon Pacific Banking Company dba Or… $812M · OR F&M Bank $810M · OK Freedom Bank $812M · NJ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Millennium Bank (FDIC Cert #58348) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Millennium Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%