Millennial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 6.8% from Q1 2026 to Q2 2026, ending at $6.0M against $5.6M. It was the largest change among the key lines on this page. Millennial Bank has the 2nd lowest CET1 ratio of the 36 banks headquartered in Alabama, at 9.52% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Millennial Bank sits 5.55 points lower, at 9.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.52% |
| Tier 1 risk-based capital ratio | 9.52% |
| Total risk-based capital ratio | 10.45% |
| Tier 1 leverage ratio | 8.78% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $17.6M |
| Tier 1 capital | $17.6M |
| Total risk-based capital | $19.3M |
| Total equity capital | $16.0M |
| Risk-weighted assets | $184.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.94% |
| Tangible equity to tangible assets | 7.94% |
| Equity capital to average assets | 7.97% |
| Internal capital growth rate | 9.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $11.8M |
| Retained earnings | $6.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.21% | — |
| Q4 2023 | — | — | — | 8.79% | — |
| Q1 2024 | — | — | — | 8.78% | — |
| Q2 2024 | 9.72% | 9.72% | 10.62% | 8.72% | $147.3M |
| Q3 2024 | 9.77% | 9.77% | 10.70% | 8.57% | $150.2M |
| Q4 2024 | 10.18% | 10.18% | 11.06% | 8.68% | $148.9M |
| Q1 2025 | 9.93% | 9.93% | 10.79% | 8.68% | $155.8M |
| Q2 2025 | 10.32% | 10.32% | 11.25% | 8.86% | $153.4M |
| Q3 2025 | 10.43% | 10.43% | 11.39% | 8.87% | $155.5M |
| Q4 2025 | 9.73% | 9.73% | 10.75% | 8.66% | $168.5M |
| Q1 2026 | 9.58% | 9.58% | 10.56% | 8.69% | $179.0M |
| Q2 2026 | 9.52% | 9.52% | 10.45% | 8.78% | $184.5M |
Millennial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Millennial Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Millennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34460) · FFIEC NIC profile (RSSD 2621285)