C
Millennium Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.26
Return On
Assets
0.80%
Total
Assets
514.95M
Capital
54.78M
Total
Deposits
452.28M
Net
Income
3.15M
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Weiss Ratings Millennium Bank
Chattanooga, TN 		Click to
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Rating C
Asset Quality Index 2.30
Capitalization Index 8.90
Liquidity Index 0.50
Profitability Index 1.80
Stability Index 7.70
Company Info Millennium Bank
Chattanooga, TN 		Click to
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FDIC Number 35138
Phone Number (423) 238-1111
Website www.millenniumbank.com
Asset Quality Millennium Bank
Chattanooga, TN 		Click to
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1-Year Asset Growth -1.86%
5-Year Asset Growth 29.73%
5-Year Charge-Offs to Average Loans -0.04%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 2.76%
Non-Performing Loans to Capital 24.64%
Non-Performing Loans to Loans 3.43%
Balance Sheet Millennium Bank
Chattanooga, TN 		Click to
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Total Assets 514.95M
Total Deposits 452.28M
Capital and Reserves Millennium Bank
Chattanooga, TN 		Click to
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Capital 54.78M
Leverage Ratio 10.26
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio --
Liquidity Millennium Bank
Chattanooga, TN 		Click to
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Hot Money Ratio 24.20%
Liquidity Ratio 15.86%
Profitability Millennium Bank
Chattanooga, TN 		Click to
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5-Year Return on Average Assets 1.10%
Net Income 3.15M
Net Interest Spread 4.22%
Operating Profit to Average Assets 0.80%
Overhead Efficiency Ratio 78.63%
Return on Assets 0.80%
Return on Equity 7.65%