Millennium Bank
Ooltewah, TN
IDRSSD: 2820604
Total Assets
$514.95M
Latest filing
Total Deposits
$452.28M
Latest filing
Net Interest Margin
4.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Millennium Bank
6392 Artesian Cir
Ooltewah, TN 37363
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/21/1999FDIC Certificate 75130
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Millennium Bank (Main) | 6392 Artesian Cir | Ooltewah, TN |
| COMMONS OFFICE | 151 Nw Commons Loop | Lake City, FL |
| MILLENNIUM EXPRESS BANKING MOBILE | 6392 Artesian Cir | Ooltewah, TN |
| MESSENGER SERVICE BRANCH | 350 W Belmont Dr | Calhoun, GA |
| SOUTH OFFICE | 514 Sthy 47 | Lake City, FL |
| EAST BRAINERD BRANCH | 8045 E Brainerd Rd | Chattanooga, TN |
| HIXSON PIKE BRANCH | 4712 Hixson Pike | Hixson, TN |
| RED BUD ROAD BRANCH | 100 Red Bud Rd Ne | Calhoun, GA |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/21/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37363 |
| State and County Number | 47065 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Chattanooga, TN-GA |
Operational Info
| Number of Employees | 89 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2025 |
| Date of Deposit Insurance | 06/21/1999 |
| Primary Insurance Agency | DIF |
| Website | http://www.millenniumbank.com |
| Data Updated | 11/14/2025 |
| CERT | 35138 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $514.95M |
| Total Deposits | $452.28M |
| Total Liabilities | $460.17M |
| Total Equity Capital | $54.77M |
| Net Income | $1.21M |
| Net Loans and Leases | $409.08M |
| Assets Per Employee ($Millions) | $5.66M |
| Bank Premises and Fixed Assets | $15.80M |
| Cash and Balances due from Depository Institutions | $46.67M |
| Deposits Held in Domestic Offices | $452.28M |
Key Performance Ratios
| Return on Assets (ROA) | 0.93% |
| Return on Equity (ROE) | 8.97% |
| Net Interest Margin | 4.33% |
| Efficiency Ratio | 75.58% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.637% |
| Earning Assets to total Assets | 95.26% |
Income and Expense
| Total Interest Income | $7.65M |
| Total Noninterest Income | $211.00k |
| Total Interest Expense | $2.28M |
| Total Noninterest Expense | $4.22M |
| Net Interest Income | $5.37M |
| Pre-tax Net Operating Income | $1.21M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.89M |
| Total Liabilities and Capital | $514.95M |
Securities
| Securities | $36.55M |
| Available-for-sale debt securities | $34.16M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.39M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Millennium Bank?
$514.95M as of the latest filing.
How much are Millennium Bank's total deposits?
$452.28M in total deposits.
Where is Millennium Bank located?
Ooltewah, TN.
What is the Net Interest Margin?
4.33%.
How many domestic offices does it operate?
10.
When was it established?
06/21/1999.
What is the Return on Assets (ROA)?
0.93%.
How much are total loans and leases?
$409.08M (latest filing).
What is the total interest income (latest filing)?
$7.65M.