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Millennial Bank
Leeds, AL · FDIC Certificate #34460 · Chartered 12/3
Total assets
$201.33M
Total deposits
$183.86M
Total equity
$15.98M
Net loans
$162.07M
Branches (offices)
2
Net income (YTD)
$741.00K
Rank: #2,964 of 4,213 U.S. banks by assets · #63 of 93 in Alabama. Assets changed 10.9% and deposits 10.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 9.54% |
| Net interest margin (YTD) | 4.44% |
| Equity to assets | 7.94% |
| Tier 1 leverage ratio | 8.78% |
| Uninsured deposits (share of deposits) | 34.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 88.1% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $139.35M | 86.0% | |
| Commercial & industrial | $23.71M | 14.6% | |
| Consumer / individual | $568.00K | 0.4% | |
| Construction & development | $13.18M | 8.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $111.06M | $101.31M | $334.00K | $9.06M |
| Jun 2023 | $136.81M | $124.90M | $931.00K | $11.01M |
| Jun 2024 | $167.09M | $153.40M | $412.00K | $12.65M |
| Jun 2025 | $181.62M | $166.80M | $560.00K | $13.68M |
| Jun 2026 | $201.33M | $183.86M | $741.00K | $15.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $183.86M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $183.86M.
Similar-sized banks
The Citizens Bank Of Cochran ($201.37M) · The First National Bank Of Louisburg ($201.29M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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