Millennium Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 9.41% +0.41 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $77.5M | 77,537 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $823.9M | 823,908 | RCOAA224 |
| Recomputed ratio | 9.41% | numerator / denominator | |
| Filed ratio | 9.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.41 pp | $3.4M | 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 | 50,399 | 50,399 | 50,399 | 50,370 | 50,370 | 50,370 | RCOAP742 |
| Retained earnings | 28,953 | 29,542 | 28,681 | 28,623 | 26,834 | 31,199 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | (1) | 0 | 698 | 619 | 473 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 79,352 | 79,940 | 79,080 | 79,691 | 77,823 | 82,042 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,815) | (1,984) | (2,036) | (2,796) | (3,191) | (3,150) | P859 - P840 |
| Common equity Tier 1 capital | 77,537 | 77,956 | 77,044 | 76,895 | 74,632 | 78,892 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 77,537 | 77,956 | 77,044 | 76,895 | 74,632 | 78,892 | RCOA8274 |
| Tier 2 capital | NA | 8,393 | 7,938 | 7,513 | 7,679 | 6,762 | |
| Allowance includable in Tier 2 capital | NA | 8,393 | 7,938 | 7,513 | 7,679 | 6,762 | |
| Total capital | NA | 86,349 | 84,982 | 84,408 | 82,311 | 85,654 | |
| Total risk-weighted assets | NA | 669,675 | 633,334 | 599,335 | 612,561 | 539,415 | |
| Average total assets for the leverage ratio | 823,908 | 807,567 | 786,663 | 815,132 | 766,990 | 700,778 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 9.41% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.64% | 11.64% | 12.89% | 9.65% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.16% | 12.16% | 13.42% | 9.79% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.83% | 12.83% | 14.08% | 9.43% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.18% | 12.18% | 13.44% | 9.73% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.63% | 14.63% | 15.88% | 11.26% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.31% | 16.31% | 17.56% | 12.57% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.58% | 17.58% | 18.84% | 14.37% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 21.06% | 21.06% | 22.32% | 15.16% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 21.95% | 21.95% | 23.21% | 15.20% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.39% | 23.39% | 24.65% | 16.07% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 24.33% | 24.33% | 25.59% | 17.88% | 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) | CBLR | NA | NA | NA | 9.41% | |
| Carolina Bank & Trust Company | $844.6M | Risk-based | 20.14% | 20.14% | 21.40% | 13.51% |
| The Fountain Trust Company | $844.6M | Risk-based | 15.50% | 15.50% | 16.75% | 9.99% |
| The Old Fort Banking Company | $843.9M | Risk-based | 15.16% | 15.16% | 16.20% | 8.89% |
| FNBC Bank | $843.3M | Risk-based | 12.44% | 12.44% | 13.70% | 9.68% |
| United Southern Bank | $843.0M | CBLR | NA | NA | NA | 10.77% |
| Bankiowa | $846.2M | CBLR | NA | NA | NA | 12.46% |
| Bank of Sun Prairie | $841.2M | Risk-based | 13.27% | 13.27% | 14.52% | 9.99% |
| First Resource Bank | $840.9M | Risk-based | 10.94% | 10.94% | 11.83% | 8.62% |
| First Utah Bank | $840.3M | CBLR | NA | NA | NA | 10.22% |
| Prairie State Bank & Trust | $840.1M | CBLR | NA | NA | NA | 12.39% |
| Peer 25th percentile | 12.65% | 12.65% | 13.90% | 9.76% | ||
| Peer median | 14.22% | 14.22% | 15.36% | 10.11% | ||
| Peer 75th percentile | 15.41% | 15.41% | 16.61% | 11.98% | ||
| This bank's percentile | NA | NA | NA | 20 |
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/3547896/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.