New Millennium Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 14.59% (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. The bank clears the requirement. Filed figure: 14.59% (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 21.34% +14.84 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 | $130.8M | 130,820 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $613.1M | 613,144 | RCOAA223 |
| Recomputed ratio | 21.34% | numerator / denominator | |
| Filed ratio | 21.34% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +14.84 pp | $91.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 21.34% +13.34 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 | $130.8M | 130,820 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $613.1M | 613,144 | RCOAA223 |
| Recomputed ratio | 21.34% | numerator / denominator | |
| Filed ratio | 21.34% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +13.34 pp | $81.8M | capital that could be lost first |
Total risk-based capital ratio 22.59% +12.59 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 | $138.5M | 138,530 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $613.1M | 613,144 | RCOAA223 |
| Recomputed ratio | 22.59% | numerator / denominator | |
| Filed ratio | 22.59% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +12.59 pp | $77.2M | capital that could be lost first |
Tier 1 leverage ratio 14.57% +9.57 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 | $130.8M | 130,820 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $897.8M | 897,794 | RCOAA224 |
| Recomputed ratio | 14.57% | numerator / denominator | |
| Filed ratio | 14.57% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.57 pp | $85.9M | 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 | 81,086 | 80,816 | 80,570 | 80,354 | 80,257 | 78,938 | RCOAP742 |
| Retained earnings | 50,269 | 46,998 | 44,210 | 41,182 | 38,169 | 35,424 | RCOAKW00 |
| Accumulated other comprehensive income | (34) | (64) | (45) | (85) | (126) | (98) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 131,321 | 127,750 | 124,735 | 121,451 | 118,300 | 114,264 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (501) | (480) | (535) | (507) | (464) | (498) | P859 - P840 |
| Common equity Tier 1 capital | 130,820 | 127,270 | 124,200 | 120,944 | 117,836 | 113,766 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 130,820 | 127,270 | 124,200 | 120,944 | 117,836 | 113,766 | RCOA8274 |
| Tier 2 capital | 7,710 | 7,784 | 7,753 | 7,757 | 7,958 | 7,799 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,710 | 7,784 | 7,753 | 7,757 | 7,958 | 7,799 | RCOA5310 |
| Total capital | 138,530 | 135,054 | 131,953 | 128,701 | 125,794 | 121,565 | RCOA3792 |
| Total risk-weighted assets | 613,144 | 619,265 | 617,102 | 617,224 | 633,687 | 621,083 | RCOAA223 |
| Average total assets for the leverage ratio | 897,794 | 951,217 | 941,164 | 925,179 | 902,560 | 915,076 | 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 | $109.2M | $258K | 0.24% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $3.4M | $1.6M | 47.92% | 0.27% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $35K | $7K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $317.6M | $158.8M | 50.00% | 25.75% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $4.6M | $6.8M | 148.50% | 1.10% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $461.0M | $423.6M | 91.89% | 68.69% | RC-R Part II, item 4.d, 5.d |
| All other assets | $14.4M | $16.1M | 111.75% | 2.61% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $9.5M | $9.5M | 100.00% | 1.54% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2K | 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 | $616.8M | ties to item 31 ($616.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $616.8M | RCONB704 |
| Less: excess allowance for credit losses | $3.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $613.1M | 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 | 21.34% | 21.34% | 22.59% | 14.57% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 20.55% | 20.55% | 21.81% | 13.38% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 20.13% | 20.13% | 21.38% | 13.20% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 19.59% | 19.59% | 20.85% | 13.07% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 18.60% | 18.60% | 19.85% | 13.06% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 18.32% | 18.32% | 19.57% | 12.43% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 18.34% | 18.34% | 19.60% | 12.48% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 18.09% | 18.09% | 19.34% | 12.49% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.19% | 18.19% | 19.45% | 12.70% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.55% | 18.55% | 19.80% | 12.85% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.74% | 17.74% | 19.00% | 13.13% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.78% | 17.78% | 19.04% | 12.89% | 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 |
|---|---|---|---|---|---|---|
| New Millennium Bank (this bank) | Risk-based | 21.34% | 21.34% | 22.59% | 14.57% | |
| Mechanics Cooperative Bank | $898.8M | Risk-based | 14.38% | 14.38% | 15.37% | 12.38% |
| Terrabank, N.A. | $897.7M | Risk-based | 10.40% | 14.78% | 16.03% | 9.82% |
| Fortress Bank | $897.2M | Risk-based | 9.66% | 10.80% | 12.04% | 9.12% |
| Mechanics Bank | $896.4M | Risk-based | 14.65% | 14.65% | 15.90% | 8.44% |
| Mountain Pacific Bank | $896.4M | Risk-based | 13.07% | 13.07% | 14.33% | 11.52% |
| Greenfield Co-Operative Bank | $901.8M | CBLR | NA | NA | NA | 12.47% |
| First American Bank and Trust Company | $901.9M | Risk-based | 17.22% | 17.22% | 18.47% | 13.34% |
| Visionbank of Iowa | $896.1M | Risk-based | 10.95% | 10.95% | 12.04% | 9.43% |
| Farmers National Bank | $895.7M | CBLR | NA | NA | NA | 15.03% |
| Windsor Federal Bank | $895.4M | CBLR | NA | NA | NA | 9.91% |
| Peer 25th percentile | 10.67% | 12.01% | 13.19% | 9.53% | ||
| Peer median | 13.07% | 14.38% | 15.37% | 10.71% | ||
| Peer 75th percentile | 14.52% | 14.72% | 15.97% | 12.45% | ||
| This bank's percentile | 100 | 100 | 100 | 90 |
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/2833882/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.