Millennium Bank (FDIC #35138): Bank Stress & Real-Estate Credit Exposure
Millennium Bank (FDIC Cert #35138): bank stress 94/100, severe, STABLE over 7 days; parent MILLENNIUM BANCSHARES INC.
Millennium Bank (#35138) lends in 6 counties across 3 states; Millennium Bank (#35138) reaches 111 ZIP codes: Florida 3 counties, 64 ZIPs; Georgia 2 counties, 15 ZIPs; Tennessee 1 county, 32 ZIPs.
Millennium Bank (#35138) largest markets: Marion County, FL (34 branches, 34 ZIPs) (#35138), Hamilton County, TN (192 branches, 32 ZIPs) (#35138), Alachua County, FL (24 branches, 24 ZIPs) (#35138), Columbia County, FL (16 branches, 8 ZIPs) (#35138), Gordon County, GA (16 branches, 8 ZIPs) (#35138), Whitfield County, GA (8 branches, 8 ZIPs) (#35138).
Millennium Bank (#35138) reports $780.8 million in total assets; Millennium Bank (#35138) equity $67.0 million (8.6% of Millennium Bank (#35138) assets); Millennium Bank (#35138) domestic deposits $704.3 million; Millennium Bank (#35138) net income minus $2.5 million; Millennium Bank (#35138) return on assets -0.64%; Millennium Bank (#35138) return on equity -7.07%; Millennium Bank (#35138) net interest income $16.9 million; Millennium Bank (#35138) call report June 30, 2026.
Millennium Bank (#35138) noncurrent real-estate loans 1.99% of its book; Millennium Bank (#35138) multifamily -0.46%; Millennium Bank (#35138) residential 3.16%; Millennium Bank (#35138) net charge-offs on real estate 0.54%; Millennium Bank (#35138) residential charge-offs 0.79%.
Millennium Bank (#35138) net interest margin 4.57% against an eight-quarter Millennium Bank (#35138) average of 4.39% (Millennium Bank (#35138) compression -0.18 points); Millennium Bank (#35138) real-estate loans 199.0% of equity; Millennium Bank (#35138) non-residential real estate 78.6% of equity; Millennium Bank (#35138) rate-exposure score 40/100, Millennium Bank (#35138) fixed-rate trap 40/100; Millennium Bank (#35138) risk type credit driven; Millennium Bank (#35138) rate regime rates elevated, Millennium Bank (#35138) snapshot October 20, 2026.
Millennium Bank (#35138) stress score moved from 79.3 on June 22, 2026 to 94.3 on October 20, 2026; Millennium Bank (#35138) ranged 79.3 to 94.3 over 117 snapshots.
Millennium Bank (#35138) alerts: 6 counties; top Millennium Bank (#35138) alert scores: Calhoun County, TN 29 (low); Dalton County, TN 29 (low); Gainesville County, TN 29 (low); Lake City County, TN 29 (low); Ocala County, TN 29 (low).