Millennium Bank is a bank based in Ooltewah, Tennessee, established in 1999, with $789 million in total assets across 14 branches. By Trust Grade it ranks 83rd of 109 banks we track in Tennessee. Its capital ratio of 9.2% trails most similarly sized banks (33th percentile), versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 0.61% return on assets. No consumer complaints against Millennium Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Millennium Bank compares to Tennessee peers
How we graded Millennium Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.2% capital ratio)
- Profitable (ROA 0.61%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Millennium Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (14)
- 151 Nw Commons Loop, Lake City, FL 32055
- 6392 Artesian Cir, Ooltewah, TN 37363
- 350 W Belmont Dr, Calhoun, GA 30701
- 514 Sthy 47, Lake City, FL 32025
- 8045 E Brainerd Rd, Chattanooga, TN 37421
- 100 Red Bud Rd Ne, Calhoun, GA 30701
- 7515 Sw 24th Ave, Gainesville, FL 32607
- 823 Chestnut St, Chattanooga, TN 37402
- 1025 E Silver Springs Blvd, Ocala, FL 34470
- 7201 Shallowford Rd, Chattanooga, TN 37421
- 350 W Belmont Dr, Calhoun, GA 30701
- 1412 Chattanooga Avenue Extension, Dalton, GA 30720
- 1478 Market St, Chattanooga, TN 37402
- 6392 Artesian Cir, Ooltewah, TN 37363
Are deposits at Millennium Bank insured?
Yes. Millennium Bank is an FDIC-insured bank (FDIC certificate #35138). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Millennium Bank: frequently asked questions
Is Millennium Bank a good bank?
Millennium Bank earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (9.2% capital ratio); Profitable (ROA 0.61%).
Is Millennium Bank FDIC-insured?
Yes. Millennium Bank is a FDIC-insured bank (FDIC certificate #35138). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Millennium Bank?
Millennium Bank holds $789 million in total assets, ranking 83rd of 109 banks we track in Tennessee. It operates 14 branches.
Does Millennium Bank have CFPB complaints?
No CFPB complaints against Millennium Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
