Millennial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Brokered deposits to total deposits climbed 11.02 percentage points in Q2 2026, from 9.14% to 20.16%. It was the largest change from Q1 2026 among the key lines here. Millennial Bank ranks 70th of 93 Alabama banks on return on assets, in the lower half at 0.76% (Q2 2026). Millennial Bank reported 0.76% on return on assets for Q2 2026, 0.49 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.52% |
| Tier 1 risk-based capital ratio | 9.52% |
| Total risk-based capital ratio | 10.45% |
| Tier 1 leverage ratio | 8.78% |
| Equity capital to assets | 7.94% |
| Tangible equity to tangible assets | 7.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.37% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 9.75% |
| Net interest margin | 4.44% |
| Efficiency ratio | 72.16% |
| Yield on earning assets | 6.72% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.08% |
| Core deposits to total deposits | 89.21% |
| Brokered deposits to total deposits | 20.16% |
| Deposits to assets | 91.33% |
| Securities to assets | 9.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.21% | 0.52% |
| Q4 2023 | — | — | — | 8.79% | 0.30% |
| Q1 2024 | — | — | — | 8.78% | 0.47% |
| Q2 2024 | 9.72% | 9.72% | 10.62% | 8.72% | 0.54% |
| Q3 2024 | 9.77% | 9.77% | 10.70% | 8.57% | 0.67% |
| Q4 2024 | 10.18% | 10.18% | 11.06% | 8.68% | 0.74% |
| Q1 2025 | 9.93% | 9.93% | 10.79% | 8.68% | 0.55% |
| Q2 2025 | 10.32% | 10.32% | 11.25% | 8.86% | 0.71% |
| Q3 2025 | 10.43% | 10.43% | 11.39% | 8.87% | 0.74% |
| Q4 2025 | 9.73% | 9.73% | 10.75% | 8.66% | 0.80% |
| Q1 2026 | 9.58% | 9.58% | 10.56% | 8.69% | 0.73% |
| Q2 2026 | 9.52% | 9.52% | 10.45% | 8.78% | 0.76% |
Millennial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Millennial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)