Headquartered in Chattanooga, Tennessee, Millennium Bank is a state-chartered bank with $780.8M in total assets and $704.3M in deposits as of Q2 2026. It operates 14 offices across 3 states. Its charter dates back to 1999.
Based on its Q2 2026 filing, Millennium Bank scores 44/100, which we describe as below average. That is higher than only 4% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 105th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is earnings (0/100; -0.64%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (37 → 44), mostly because the loan quality component improved by 77 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 71 |
| Q4 2024 | 72 |
| Q1 2025 | 70 |
| Q2 2025 | 37 |
| Q3 2025 | 38 |
| Q4 2025 | 44 |
| Q1 2026 | 43 |
| Q2 2026 | 44 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.35% |
| Q3 2024 | 10.50% |
| Q4 2024 | 11.05% |
| Q1 2025 | 10.52% |
| Q2 2025 | 10.21% |
| Q3 2025 | 10.26% |
| Q4 2025 | 8.13% |
| Q1 2026 | 8.33% |
| Q2 2026 | 7.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.30% |
| Q2 2025 | 3.70% |
| Q3 2025 | 3.49% |
| Q4 2025 | 1.97% |
| Q1 2026 | 1.89% |
| Q2 2026 | 0.68% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.50% |
| Q4 2024 | 1.56% |
| Q1 2025 | 1.43% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.61% |
| Q2 2026 | -0.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $780.8M | 7.70% | 0.68% | -0.64% | 84.6% |
| Q1 2026 | 43 | $789.1M | 8.33% | 1.89% | 0.61% | 86.4% |
| Q4 2025 | 44 | $791.8M | 8.13% | 1.97% | 0.91% | 84.3% |
| Q3 2025 | 38 | $514.9M | 10.26% | 3.49% | 0.81% | 90.4% |
| Q2 2025 | 37 | $526.1M | 10.21% | 3.70% | 0.74% | 86.7% |
| Q1 2025 | 70 | $527.7M | 10.52% | 0.30% | 1.43% | 89.7% |
| Q4 2024 | 72 | $512.4M | 11.05% | 0.31% | 1.56% | 93.2% |
| Q3 2024 | 71 | $524.7M | 10.50% | 0.23% | 1.50% | 90.6% |
| Q2 2024 | 67 | $528.0M | 10.35% | 0.63% | 1.48% | 90.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Century BankBank Tazewell, TN | 73 out of 100, Strong | $809.8M | 9.4% | 0.07% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |
| Macon Bank and Trust CompanyBank Lafayette, TN | 73 out of 100, Strong | $820.5M | 9.9% | 0.08% | vs |
| Citizens BankBank Carthage, TN | 92 out of 100, Very strong | $832.5M | 16.3% | 0.62% | vs |
| The Hardin County BankBank Savannah, TN | 76 out of 100, Strong | $676.7M | 10.8% | 0.16% | vs |
| Carroll Bank and TrustBank Huntingdon, TN | 52 out of 100, Below average | $662.1M | 8.2% | 1.36% | vs |
Deposit insurance
Is my money safe at Millennium Bank?
Yes. Millennium Bank is an FDIC-insured institution (FDIC certificate #35138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.4% of deposits ($242.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.70%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.46% (benchmark: 10%).
14 locations
Branches
Millennium Bank lists 12 offices in 7 cities across 3 states. Most locations:
- Chattanooga, TN (4)
- Calhoun, GA (2)
- Lake City, FL (2)
- Dalton, GA (1)
- Gainesville, FL (1)
- Ocala, FL (1)
- Ooltewah, TN (1)
HMDA 2025
Mortgage lending
In 2025, Millennium Bank reported 147 home-loan applications under HMDA (LEI 549300FOHR7SBPQ7WJ92): 115 originated ($28,855,000 total), 17 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Millennium Bank
- Former names
- Community Trust & Banking Company
- Type
- State-chartered bank
- FDIC certificate #
- 35138
- RSSD ID
- 2820604
- Primary regulator
- FDIC
- Holding company
- Millennium Bancshares Inc
- Established
- June 21, 1999
- Headquarters
- 7201 Shallowford Rd, Chattanooga, TN 37421
- Website
- www.ngnb.bank
- Employees
- 120
Quick answers
Millennium Bank: common questions
Is Millennium Bank FDIC insured?
Yes. Millennium Bank is an FDIC-insured institution (FDIC certificate #35138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Millennium Bank's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Millennium Bank ever failed?
There is no failure record for FDIC certificate #35138 in the FDIC failed bank list.
How many branches does Millennium Bank have?
14 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Chattanooga
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bcbst Employees Credit UnionCredit union Chattanooga, TN | 90 out of 100, Very strong | $8.3M | 25.6% | 0.11% | vs |
| Healthcare Services Credit UnionCredit union Chattanooga, TN | 87 out of 100, Very strong | $26.1M | 15.0% | 0.03% | vs |
| Walker County Educators Federal Credit UnionCredit union Chickamauga, GA | 87 out of 100, Very strong | $15.1M | 24.8% | 0.03% | vs |
| Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN | 85 out of 100, Very strong | $76.0M | 16.9% | 0.39% | vs |
| Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN | 84 out of 100, Strong | $3.3B | 14.8% | 0.77% | vs |
| First National Community BankBank Chatsworth, GA | 84 out of 100, Strong | $754.7M | 12.9% | 0.43% | vs |