Total Assets
$792M
Total balance-sheet footings
FDIC Cert #35138 · Ooltewah, Tennessee · Est. 1999
Millennium Bank - FDIC Bank Health Profile
A community-scale look at Millennium Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $792M
- Total assets
- C
- Health grade · Fair
- 0.91%
- Return on assets
- 10.2%
- Tier 1 capital
Data updated July 2026
The verdict
Millennium Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.21% Tier 1, 0.91% ROA, 78% efficiency ratio.
- #1,270
- largest of 4,313 FDIC banks by assets
- 71st
- percentile by asset size, nationally
- 10.21%
- Tier 1 ratio - above the 10% well-capitalized line
- 36th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Millennium Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Millennium Bank's composite health score
Tier 1 Capital Ratio (10.21%) 28/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (14.82%) 16/20
Efficiency Ratio (78.05%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$708M
Customer-funded liabilities
Net Loans
$597M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
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 62/100 falls in the highlighted band.
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 $792M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.21%
Texas Ratio
14.82%
Equity Capital
$73M
Profitability metrics
Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
8.85%
Efficiency Ratio
78.05%
What the numbers say about Millennium Bank
Millennium Bank is an FDIC-insured institution (Certificate #35138) headquartered in Ooltewah, Tennessee, established in 1999. It holds $792M in total assets - 1,270th of 4,313 FDIC-insured banks, $708M in customer deposits, and $597M in net loans. Capital-wise, the Tier 1 ratio sits at 10.21%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 14.82%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Millennium Bank sits 41st of 111 banks headquartered in Tennessee by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$35M
Interest Income
$1M
Non-Interest Income
$20M
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 14.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Millennium Bank (FDIC Cert #35138) - 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.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Millennium Bank's health grade?▼
Millennium Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Millennium Bank?▼
Millennium Bank holds $792M in total assets and $708M in deposits, ranking 1,270th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ooltewah, Tennessee.
Is my money safe at Millennium Bank?▼
Yes, deposits at Millennium Bank (Certificate #35138) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Millennium Bank's Tier 1 Capital Ratio?▼
Millennium Bank has a Tier 1 Capital Ratio of 10.21%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Millennium Bank?▼
Millennium Bank has a Texas Ratio of 14.82%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Millennium Bank?▼
Millennium Bank has an Efficiency Ratio of 78.05%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Millennium Bank's profile as a depositor or analyst.
- Millennium Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Millennium Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.