New 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 Equity capital to average assets: 1.20 percentage points higher than in Q1 2026, at 14.62%. Within New Jersey, New Millennium Bank is 8th of 37 on CET1 ratio, 21.34% as of Q2 2026, above the middle of the field. New Millennium Bank reported 21.34% on CET1 ratio for Q2 2026, 6.27 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.34% |
| Tier 1 risk-based capital ratio | 21.34% |
| Total risk-based capital ratio | 22.59% |
| Tier 1 leverage ratio | 14.57% |
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 | $130.8M |
| Tier 1 capital | $130.8M |
| Total risk-based capital | $138.5M |
| Total equity capital | $131.3M |
| Risk-weighted assets | $613.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.61% |
| Tangible equity to tangible assets | 14.60% |
| Equity capital to average assets | 14.62% |
| Internal capital growth rate | 10.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $40.8M |
| Common stock surplus | $40.3M |
| Retained earnings | $50.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34K |
| 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 | 17.78% | 17.78% | 19.04% | 12.89% | $550.2M |
| Q4 2023 | 17.74% | 17.74% | 19.00% | 13.13% | $564.7M |
| Q1 2024 | 18.55% | 18.55% | 19.80% | 12.85% | $550.0M |
| Q2 2024 | 18.19% | 18.19% | 19.45% | 12.70% | $578.5M |
| Q3 2024 | 18.09% | 18.09% | 19.34% | 12.49% | $598.2M |
| Q4 2024 | 18.34% | 18.34% | 19.60% | 12.48% | $606.2M |
| Q1 2025 | 18.32% | 18.32% | 19.57% | 12.43% | $621.1M |
| Q2 2025 | 18.60% | 18.60% | 19.85% | 13.06% | $633.7M |
| Q3 2025 | 19.59% | 19.59% | 20.85% | 13.07% | $617.2M |
| Q4 2025 | 20.13% | 20.13% | 21.38% | 13.20% | $617.1M |
| Q1 2026 | 20.55% | 20.55% | 21.81% | 13.38% | $619.3M |
| Q2 2026 | 21.34% | 21.34% | 22.59% | 14.57% | $613.1M |
New Millennium Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New 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 New Millennium Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35151) · FFIEC NIC profile (RSSD 2833882)