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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Leeds, AL · FDIC certificate #34460
MILLENNIAL BANK is an FDIC-insured institution based in Leeds, AL (FDIC certificate #34460). In its Q3 2026 Call Report it reported total assets of $211M, total deposits of $192M and net loans of $170M. Its primary federal regulator is FDIC.
Plain-language readout
MILLENNIAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $211M in Q3 2026 and were lowest at $200M in Q1 2026.
Total deposits were highest at $192M in Q3 2026 and lowest at $183M in Q1 2026.
Over the whole period total assets rose 5.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $211M | $192M | $170M | 0.76% | 9.89% | 4.67% |
| Q2 2026 | $201M | $184M | $162M | 0.75% | 9.54% | 4.44% |
| Q1 2026 | $200M | $183M | $154M | 0.73% | 9.34% | 4.39% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.6M | $11.1M | -$6.5M | -58.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $19.4M | $19.3M | +$69K | +0.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $162.1M | $154.4M | +$7.6M | +4.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.2M | $8.3M | -$79K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.0M | $6.8M | +$276K | +4.1% |
| Total assets | $201.3M | $199.9M | +$1.4M | +0.7% |
| Liabilities | ||||
| Total deposits | $183.9M | $182.9M | +$944K | +0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.5M | $1.5M | -$39K | -2.6% |
| Total liabilities | $185.4M | $184.4M | +$905K | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $11.8M | $11.7M | +$42K | +0.4% |
| Retained earnings | $6.0M | $5.6M | +$383K | +6.8% |
| Accumulated other comprehensive income | -$1.8M | -$1.9M | +$97K | +5.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.0M | $15.5M | +$522K | +3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $104K | -$104K | -100.0% |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $17.7M | $17.2M | +$476K | +2.8% |
| Texas ratio (gross) | 0.00% | 0.60% | -0.60 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 9.52% | 9.58% | -0.06 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 9.52% | 9.58% | -0.06 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.93% | 0.99% | -0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 10.45% | 10.56% | -0.11 pts | See points |
| Tier 1 leverage (approximate) | 8.78% | 8.69% | +0.08 pts | See points |
| Construction and land loans to total capital | 68.35% | 61.20% | +7.15 pts | See points |
| Commercial real estate to total capital | 298.84% | 274.67% | +24.17 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.72% | -14.81% | +1.09 pts | See points |
| Liquidity | ||||
| Core deposits | $136.1M | $156.9M | -$20.7M | -13.2% |
| Non-core funding | $47.7M | $26.1M | +$21.7M | +83.2% |
| Loans to core deposits | 120.31% | 99.57% | +20.74 pts | See points |
| Loans to deposits | 89.08% | 85.39% | +3.69 pts | See points |
| Brokered deposits share of deposits | 20.16% | 9.14% | +11.02 pts | See points |
| Pledged securities share of securities | 6.15% | 6.42% | -0.28 pts | See points |
| Loans pledged, share of loans | 34.88% | 32.55% | +2.33 pts | See points |
| Volatile liabilities | $62.7M | $36.6M | +$26.1M | +71.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.1M | $541K | +$591K | +109.2% |
| Earnings before provision, single quarter | $591K | $541K | +$50K | +9.2% |
| Provision for credit losses, year to date | $155K | $55K | +$100K | +181.8% |
| Yield and cost | ||||
| Yield on loans and leases | 7.31% | 7.43% | -0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.23% | 3.58% | -0.35 pts | See points |
| Total interest income to average assets | 6.25% | 6.22% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 1.87% | 0.50% | +1.37 pts | See points |
| Cost of savings and money market deposits | 2.45% | 2.40% | +0.05 pts | See points |
| Cost of time deposits | 2.64% | 4.86% | -2.22 pts | See points |
| Total interest expense to average assets | 2.13% | 2.21% | -0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $211M | $192M | $170M | 0.76% | 9.89% | 4.67% |
| 2026-06-30 | $201M | $184M | $162M | 0.75% | 9.54% | 4.44% |
| 2026-03-31 | $200M | $183M | $154M | 0.73% | 9.34% | 4.39% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $166.8M | 0.12% | 89 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.