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Millennium Bank
Des Plaines, IL · FDIC Certificate #58348 · Chartered 07/0
Total assets
$844.46M
Total deposits
$693.16M
Total equity
$79.35M
Net loans
$657.26M
Branches (offices)
3
Net income (YTD)
$2.46M
Rank: #1,198 of 4,213 U.S. banks by assets · #61 of 322 in Illinois. Assets changed 1.8% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.59% |
| Return on equity | 6.19% |
| Net interest margin (YTD) | 3.05% |
| Equity to assets | 9.40% |
| Tier 1 leverage ratio | 9.41% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 4.37% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 94.8% |
| Real estate loans (share of loans) | 87.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $577.43M | 87.9% | |
| Commercial & industrial | $89.34M | 13.6% | |
| Consumer / individual | $641.00K | 0.1% | |
| Construction & development | $48.75M | 7.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $324.09M | $254.42M | $3.25M | $64.73M |
| Jun 2023 | $388.60M | $308.69M | $5.05M | $70.80M |
| Jun 2024 | $502.33M | $422.76M | $3.61M | $75.06M |
| Jun 2025 | $829.71M | $659.56M | $2.04M | $77.82M |
| Jun 2026 | $844.46M | $693.16M | $2.46M | $79.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $693.16M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $693.16M.
Similar-sized banks
Carolina Bank & Trust Co. ($844.59M) · The Old Fort Banking Company ($843.87M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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