Millennium 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%.
The standout move of Q2 2026 was in Retained earnings: 26.4% lower than in Q1 2026, at $16.3M. Millennium Bank has the 1st lowest CET1 ratio of the 71 banks headquartered in Tennessee, at 9.22% as of Q2 2026. Millennium Bank reported 9.22% on CET1 ratio for Q2 2026, 5.86 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.22% |
| Tier 1 risk-based capital ratio | 9.22% |
| Total risk-based capital ratio | 10.46% |
| Tier 1 leverage ratio | 7.70% |
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 | $59.3M |
| Tier 1 capital | $59.3M |
| Total risk-based capital | $67.3M |
| Total equity capital | $67.0M |
| Risk-weighted assets | $643.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.58% |
| Tangible equity to tangible assets | 7.38% |
| Equity capital to average assets | 8.58% |
| Internal capital growth rate | -32.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.7M |
| Common stock surplus | $50.4M |
| Retained earnings | $16.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | — | — | — | 9.96% | — |
| Q4 2023 | — | — | — | 10.09% | — |
| Q1 2024 | — | — | — | 10.29% | — |
| Q2 2024 | — | — | — | 10.35% | — |
| Q3 2024 | — | — | — | 10.50% | — |
| Q4 2024 | — | — | — | 11.05% | — |
| Q1 2025 | — | — | — | 10.52% | — |
| Q2 2025 | — | — | — | 10.21% | — |
| Q3 2025 | — | — | — | 10.26% | — |
| Q4 2025 | 10.21% | 10.21% | 11.45% | 8.13% | $630.7M |
| Q1 2026 | 10.00% | 10.00% | 11.25% | 8.33% | $649.5M |
| Q2 2026 | 9.22% | 9.22% | 10.46% | 7.70% | $643.3M |
Millennium Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Millennium 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 Millennium Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35138) · FFIEC NIC profile (RSSD 2820604)