Millennium Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 2.46% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. Below 2.50%, the bank's distributions are capped by rule. Filed figure: 2.46% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 9.22% +2.72 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $59.3M | 59,332 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $643.3M | 643,269 | RCOAA223 |
| Recomputed ratio | 9.22% | numerator / denominator | |
| Filed ratio | 9.22% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +2.72 pp | $17.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.22% +1.22 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $59.3M | 59,332 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $643.3M | 643,269 | RCOAA223 |
| Recomputed ratio | 9.22% | numerator / denominator | |
| Filed ratio | 9.22% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.22 pp | $7.9M | capital that could be lost first |
Total risk-based capital ratio 10.46% +0.46 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $67.3M | 67,262 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $643.3M | 643,269 | RCOAA223 |
| Recomputed ratio | 10.46% | numerator / denominator | |
| Filed ratio | 10.46% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +0.46 pp | $2.9M | capital that could be lost first |
Tier 1 leverage ratio 7.70% +2.70 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $59.3M | 59,332 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $770.7M | 770,661 | RCOAA224 |
| Recomputed ratio | 7.70% | numerator / denominator | |
| Filed ratio | 7.70% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.70 pp | $20.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 53,094 | 53,094 | 53,094 | 41,375 | 41,375 | 41,375 | RCOAP742 |
| Retained earnings | 16,324 | 22,186 | 21,823 | 15,490 | 14,788 | 17,203 | RCOAKW00 |
| Accumulated other comprehensive income | (2,423) | (2,567) | (1,834) | (2,090) | (2,857) | (2,819) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 66,995 | 72,713 | 73,083 | 54,775 | 53,306 | 55,759 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (7,663) | (7,740) | (8,694) | (1,142) | (375) | (413) | P859 - P840 |
| Common equity Tier 1 capital | 59,332 | 64,973 | 64,389 | 53,633 | 52,931 | 55,346 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 59,332 | 64,973 | 64,389 | 53,633 | 52,931 | 55,346 | RCOA8274 |
| Tier 2 capital | 7,930 | 8,119 | 7,814 | NA | NA | NA | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,930 | 8,119 | 7,814 | NA | NA | NA | RCOA5310 |
| Total capital | 67,262 | 73,092 | 72,203 | NA | NA | NA | RCOA3792 |
| Total risk-weighted assets | 643,269 | 649,492 | 630,732 | NA | NA | NA | RCOAA223 |
| Average total assets for the leverage ratio | 770,661 | 780,086 | 791,923 | 522,873 | 518,179 | 526,107 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $72.8M | $111K | 0.15% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $72.4M | $12.2M | 16.89% | 1.90% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $166.9M | $111.9M | 67.08% | 17.40% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $32.2M | $48.3M | 150.00% | 7.50% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $6.6M | $9.9M | 150.00% | 1.54% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $397.9M | $385.8M | 96.98% | 59.98% | RC-R Part II, item 4.d, 5.d |
| All other assets | $42.1M | $41.6M | 98.86% | 6.47% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $33.4M | $33.4M | 100.00% | 5.19% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $800 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $643.3M | ties to item 31 ($643.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $643.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $643.3M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 9.22% | 9.22% | 10.46% | 7.70% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.00% | 10.00% | 11.25% | 8.33% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.21% | 10.21% | 11.45% | 8.13% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.26% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.21% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.52% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.05% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.50% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.35% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.29% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.09% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.96% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Millennium Bank (this bank) | Risk-based | 9.22% | 9.22% | 10.46% | 7.70% | |
| Hiawatha National Bank | $781.3M | Risk-based | 14.86% | 14.86% | 16.05% | 10.76% |
| Community First Bank | $781.6M | Risk-based | 14.18% | 14.18% | 15.43% | 9.74% |
| Mission Valley Bank | $782.0M | Risk-based | 12.25% | 12.25% | 13.44% | 11.00% |
| Cenlar FSB | $782.0M | Risk-based | 44.07% | 44.07% | 44.07% | 16.56% |
| The Bank of Canton | $782.5M | Risk-based | 22.99% | 22.99% | 24.24% | 14.43% |
| Savers Co-Operative Bank | $783.2M | CBLR | NA | NA | NA | 11.30% |
| People's Bank of Commerce | $776.7M | CBLR | NA | NA | NA | 15.33% |
| Harford Bank | $776.6M | Risk-based | 13.05% | 13.05% | 14.30% | 9.95% |
| Home State BANK/N.A. | $776.0M | Risk-based | 17.60% | 17.60% | 18.85% | 11.79% |
| Peer 25th percentile | 13.62% | 13.62% | 14.87% | 10.76% | ||
| Peer median | 14.86% | 14.86% | 16.05% | 11.30% | ||
| Peer 75th percentile | 20.29% | 20.29% | 21.55% | 14.43% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2820604/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.