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%.
Compared with Q1 2026, Equity capital to average assets fell 0.26 percentage points in Q2 2026 to 9.61%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.41% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $77.5M |
| Tier 1 capital | $77.5M |
| Total risk-based capital | — |
| Total equity capital | $79.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.40% |
| Tangible equity to tangible assets | 9.20% |
| Equity capital to average assets | 9.61% |
| Internal capital growth rate | -2.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $49.1M |
| Retained earnings | $29.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 24.33% | 24.33% | 25.59% | 17.88% | $297.9M |
| Q4 2023 | 23.39% | 23.39% | 24.65% | 16.07% | $320.2M |
| Q1 2024 | 21.95% | 21.95% | 23.21% | 15.20% | $339.1M |
| Q2 2024 | 21.06% | 21.06% | 22.32% | 15.16% | $356.5M |
| Q3 2024 | 17.58% | 17.58% | 18.84% | 14.37% | $430.3M |
| Q4 2024 | 16.31% | 16.31% | 17.56% | 12.57% | $481.2M |
| Q1 2025 | 14.63% | 14.63% | 15.88% | 11.26% | $539.4M |
| Q2 2025 | 12.18% | 12.18% | 13.44% | 9.73% | $612.6M |
| Q3 2025 | 12.83% | 12.83% | 14.08% | 9.43% | $599.3M |
| Q4 2025 | 12.16% | 12.16% | 13.42% | 9.79% | $633.3M |
| Q1 2026 | 11.64% | 11.64% | 12.89% | 9.65% | $669.7M |
| Q2 2026 | — | — | — | 9.41% | — |
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 58348) · FFIEC NIC profile (RSSD 3547896)