MILLENNIAL BANK

LEEDS, AL | Small | Est. Dec. 30, 1997, midnight | FDIC #34460 | RSSD #2621285 | FDIC
Latest Report: 2025-12-31

MILLENNIAL BANK is asn small FDIC-insured commercial bank headquartered in LEEDS, AL, established in Dec. 30, 1997, midnight. As of 2025-12-31, the bank reported total assets of $195M and total deposits of $170M. Profitability stands at 0.79% ROA and 10.24% ROE, with a net interest margin of 4.76%. The bank's CET1 capital ratio is 9.73%. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 2.32%. FDIC Certificate #34460.

Assets

$195M

Deposits

$170M

Loans

$154M

Equity

$15M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 10.24%
Net Interest Margin (NIM) 4.76%
Yield on Assets 7.24%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.32%
NPA Ratio 0.20%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 9.73%
Tier 1 Capital 9.73%
Total Capital Ratio 10.75%
Leverage Ratio 8.66%
Loan-to-Deposit 90.42%

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