Millennium Bank is a state-chartered bank headquartered in Des Plaines, Illinois, in business for about 19 years. At the end of Q2 2026 it reported $844.5M in total assets and $693.2M in deposits, with 3 offices.
Based on its Q2 2026 filing, Millennium Bank scores 33/100, which we describe as low. That is higher than only 1% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 319th. Its strongest component is funding & liquidity (52/100; 95% loans-to-deposits, 27% uninsured), and its lowest is loan quality (0/100; 4.37%).
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 fell 8 points (41 → 33), mostly because the problem-loan coverage component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 52 |
| Q4 2024 | 63 |
| Q1 2025 | 60 |
| Q2 2025 | 41 |
| Q3 2025 | 40 |
| Q4 2025 | 34 |
| Q1 2026 | 34 |
| Q2 2026 | 33 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.16% |
| Q3 2024 | 14.37% |
| Q4 2024 | 12.57% |
| Q1 2025 | 11.26% |
| Q2 2025 | 9.73% |
| Q3 2025 | 9.43% |
| Q4 2025 | 9.79% |
| Q1 2026 | 9.65% |
| Q2 2026 | 9.41% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 6.73% |
| Q3 2024 | 4.57% |
| Q4 2024 | 1.91% |
| Q1 2025 | 2.16% |
| Q2 2025 | 2.40% |
| Q3 2025 | 2.66% |
| Q4 2025 | 3.89% |
| Q1 2026 | 4.43% |
| Q2 2026 | 4.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.37% |
| Q1 2025 | 1.91% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 33 | $844.5M | 9.41% | 4.37% | 0.59% | 94.8% |
| Q1 2026 | 34 | $835.4M | 9.65% | 4.43% | 0.62% | 98.2% |
| Q4 2025 | 34 | $811.0M | 9.79% | 3.89% | 0.56% | 96.6% |
| Q3 2025 | 40 | $809.0M | 9.43% | 2.66% | 0.67% | 88.3% |
| Q2 2025 | 41 | $829.7M | 9.73% | 2.40% | 0.55% | 93.8% |
| Q1 2025 | 60 | $735.8M | 11.26% | 2.16% | 1.91% | 91.3% |
| Q4 2024 | 63 | $654.6M | 12.57% | 1.91% | 1.37% | 91.8% |
| Q3 2024 | 52 | $597.4M | 14.37% | 4.57% | 1.15% | 100.5% |
| Q2 2024 | 58 | $502.3M | 15.16% | 6.73% | 1.46% | 83.5% |
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Resource Bank, National AssociationBank Dekalb, IL | 50 out of 100, Below average | $868.6M | 8.5% | 2.44% | vs |
| Liberty Bank for SavingsBank Chicago, IL | 84 out of 100, Strong | $868.6M | 24.0% | 0.04% | vs |
| CIBM BankBank Champaign, IL | 53 out of 100, Below average | $819.7M | 9.9% | 1.08% | vs |
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Fortress BankBank Peoria, IL | 47 out of 100, Below average | $897.2M | 9.1% | 1.99% | vs |
Deposit insurance
Is my money safe at Millennium Bank?
Yes. Millennium Bank is an FDIC-insured institution (FDIC certificate #58348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.6% of deposits ($184.4M) 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 9.41%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Millennium Bank lists 3 offices in 3 cities. Most locations:
- Chicago, IL (1)
- Des Plaines, IL (1)
- Oak Brook, IL (1)
Identity & history
Profile
- Legal name
- Millennium Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58348
- RSSD ID
- 3547896
- Primary regulator
- FDIC
- Holding company
- Millennium Bcorp Inc
- Established
- July 2, 2007
- Headquarters
- 2077 Miner St, Des Plaines, IL 60016
- Website
- www.mb.bank
- Employees
- 71
Quick answers
Millennium Bank: common questions
Is Millennium Bank FDIC insured?
Yes. Millennium Bank is an FDIC-insured institution (FDIC certificate #58348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Millennium Bank's TellerScore?
33 out of 100 (Low), 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 #58348 in the FDIC failed bank list.
How many branches does Millennium Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Des Plaines
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |
| Policemen'S Federal Credit UnionCredit union South Bend, IN | 92 out of 100, Very strong | $95.5M | 16.4% | 0.29% | vs |