The Bank of Milan: how it compares with its peers
Against 18 TN banks with half to twice its assets, The Bank of Milan's strongest measure in Q2 2026 is return on assets (1.99% vs. a 0.81% peer median). Its weakest relative measure is net interest margin (3.43% vs. 3.98%).
| Measure | The Bank of Milan | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.99% | 0.81% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.43% | 3.98% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.33% | 70.95% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.0M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.95% | 76.63% | Context |
What it means for lending operations
Its efficiency ratio of 53.33% is better than the 70.95% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Union Bank & Trust Company Livingston, TN · $98M
- Lawrenceburg Federal Bank Lawrenceburg, TN · $95M
- Farmers Bank Parsons, TN · $95M
- The Peoples Bank Sardis, TN · $113M
- Highland Federal Savings and Loan Association Crossville, TN · $79M
- Home Banking Company Selmer, TN · $124M
Questions about The Bank of Milan
How big is The Bank of Milan?
The Bank of Milan, established in 1993, is headquartered in Milan, TN. It reported $101M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Bank of Milan's return on assets?
1.99% annualized in Q2 2026, against a 0.81% median for 18 TN banks with half to twice its assets, ahead of 94% of them.
What is The Bank of Milan's efficiency ratio?
53.33% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 70.95%, and lower is better.
Is The Bank of Milan growing its loans?
Net loans grew 8.9% over the year to Q2 2026, while deposits shrank 12.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.