# MILLENNIAL BANK
LEEDS, AL · FDIC certificate 34460 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $201.3M | |
| Deposits | $183.9M | |
| Loans and leases | $163.8M | |
| Total equity | $16.0M | |
| Loans / deposits | 88.15% (p76 of band) | 73.59% |
| Liquid assets / assets | 11.92% (p6 of band) | |
| Uninsured deposits / deposits | 34.32% (p88 of band) | 19.81% |
| Brokered deposits | 18.41% | |
| Wholesale funding | 18.41% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.78% (p9 of band) | 11.76% |
| Unrealized securities loss / equity | -15.09% (p30 of band) | -6.57% |
| AOCI / equity | -0.26% (p55 of band) | |
| ROA (annualized) | 0.75% (p27 of band) | 1.17% |
| Net interest margin | 4.44% (p74 of band) | 3.93% |
| Efficiency ratio | 73.53% (p68 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.16% (p90 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 85% | |
| Construction % of loans | 82.51% (p91 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.2% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 4 | charge-offs p90 |  |
| 2012-09 | 6 | losing money, noncurrent p90 |  |
| 2012-12 | 2 |  | deposits shrinking, assets shrinking, charge-offs p90, losing money |
| 2013-03 | 4 | deposits shrinking, assets shrinking |  |
| 2013-06 | 5 | charge-offs p90 |  |
| 2013-09 | 6 | losing money |  |
| 2013-12 | 7 | capital falling |  |
| 2014-03 | 5 | expense ratio p90 | deposits shrinking, assets shrinking, charge-offs p90 |
| 2014-06 | 5 | charge-offs p90 | expense ratio p90 |
| 2014-09 | 4 |  | capital falling |
| 2014-12 | 7 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2015-03 | 7 | uninsured deposits leaving | expense ratio p90 |
| 2015-06 | 8 | expense ratio p90 |  |
| 2015-09 | 9 | capital falling |  |
| 2015-12 | 8 | leverage <7% | deposits shrinking, assets shrinking |
| 2016-03 | 9 | assets shrinking |  |
| 2016-06 | 8 | deposits shrinking | uninsured deposits leaving, capital falling |
| 2016-09 | 8 |  |  |
| 2016-12 | 7 |  | deposits shrinking |
| 2017-03 | 8 | capital falling, deposits shrinking | charge-offs p90 |
| 2017-06 | 7 |  | deposits shrinking |
| 2017-09 | 8 | deposits shrinking |  |
| 2017-12 | 7 |  | capital falling |
| 2018-03 | 5 |  | assets shrinking, deposits shrinking |
| 2018-06 | 4 | deposits shrinking | noncurrent p90, leverage <7% |
| 2018-09 | 3 |  | deposits shrinking |
| 2018-12 | 3 | capital falling | reserve under noncurrent |
| 2019-03 | 2 | deposits shrinking, uninsured deposits leaving | losing money, expense ratio p90, capital falling |
| 2019-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 | charge-offs p90 | capital falling |
| 2020-06 | 2 | wholesale funding >15%, expense ratio p90 | charge-offs p90 |
| 2020-09 | 2 | capital falling | expense ratio p90 |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | capital falling | construction >100% equity |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 2 | capital falling | securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | charge-offs p90 |  |
| 2024-09 | 2 |  | construction >100% equity |
| 2024-12 | 2 | reserve under noncurrent | capital falling |
| 2025-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2025-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2025-09 | 1 | brokered >10% |  |
| 2025-12 | 0 |  | brokered >10% |
| 2026-03 | 0 |  |  |
| 2026-06 | 3 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-05-04 [Millennial Bank to relocate executive offices along 280 - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeWF5UnkwZEdLeHBtclNqdW1lTTJlell4NUpuazJjWjl6Z19RcE5GZlpqdWc3eTlyNnVmQjBBWldVcENwdjk3QnZiVHljbzFGeW5PQ2xpbWxTbGJ4UUdGS2p4ZU5NSVR3NHFJek5icTU1c1lIdmlhMHNRXzU3cWE5b1ExaS0yTlpsYkI5QVYtTEJTMXh6WTdiZXh4Q0NMN0dTSDVldGNEYV8?oc=5) · The Business Journals
- 2022-10-26 [Progress continues on Meadowview Drive - HooverSun.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5nYkk4RG12czBGcW85M1NMZDBmeGpLSWRYRkxyX0VPcEVjX241X2JMTkRyTF9EbHlTTmFYVk9sUkFKbWlhM1pNdENvWF9xckFwOGxRZWRWREFjb2ZZSUx1cmJ4MlYxT0RIXzRGalBTQU9HOHJrZDZDYU5OTFPSAYcBQVVfeXFMUGxLYkthNUU0c2toVjZNcGFiOVhqeGtjX0JmNXM0bjF2ZnlYUDZmQzR1ekFEeDhFTFFGbjVmVklELVlzWDFWdE5YOGZETmtSMlU5TGZ0WVB0Z2U3WDdwQVpXeFRzdzllM0FJcU51TW9fdlpvUlBnVndWSVRnVjc2eXppY2FsSk5B?oc=5) · HooverSun.com
- 2022-09-11 [She Owns The Cutest Mobile Mini Bar You’ve Ever Seen - StyleBlueprint](https://news.google.com/rss/articles/CBMiekFVX3lxTE1kUUpsNTFjSkNKeHdfYzY3UDExSjNiNGppTVU5Z2dyQ0x4Z0dLTkZXMWY3dDBFeVQ4RXNrSUhqd1dIZTZhMWRjcnEySmdDZFBmR1lDVUxNNEtjUG9MTS1wamlrcnZoS3VZUlc1MldlUTlsR3MzYTNrRGZn?oc=5) · StyleBlueprint
- 2022-09-26 [Millennial Bank, United Bank boosting metro footprints - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNa2EwWnZoYng3VUNadTg2eEhGajlDM3FRMldCWU5uaUpaelY3a3FVdG5xSEJIdG5ld0p3Tl80aWEtRjBjV0RBSjlxNEgyci1RYk9QdDZTUThHblhNbGVObko5WWdybWh2cXA5RVZzajFPdG83YUl5ank4ZlczSUJxUDZfS183WVlv?oc=5) · The Business Journals
- 2024-10-25 [Leeds PD gives more details in arrest of New York men on human trafficking, fraud charges - abc3340.com](https://news.google.com/rss/articles/CBMisAJBVV95cUxPcnN3Sm9yb0VVNjBOUFViZUlvQU9UWXVWUXNtNnNkVkFUajRWMzdTVzEtQUFQWVFIWTJfTHpOME8tX0VzaDMyMEx3OXRNQ1h4TDJ3U2xwU3J0ME1IRmkzcWFIMExUYzh4QXNMS0lSbHE3UEdNM0F1dUE0alVEMm1xYTc3WTRQblBHRjFPR2lXbkdRZng3RU1KOTNzS2VDUk9nbE84eEtZN2tsYkY2R1U3bWpoRE04TzJIaFp5dlBFZUVaWHdJUXJybjNLaEpjdVFuNVdISERTdGFYSHhLa3lsQWs2NGIxZno1RlNVNGJqcGJvWTJoOUtxVUJISXFHd0xablFCTzVLRktGUjZ4Q0hicU9zRXpDS1hzamtBRW4tVEJpcU5JMWlXb3ppY1haQV93?oc=5) · abc3340.com
- 2022-05-02 [Anna Grace Ponder Taylor Obituary - Leeds, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxNVEpHbzlyajVYdWhoUW0yRjdxNWNTcTBhdk9LNExvNXdDME5WMVJxM0dRYy1yVXI1ZWlIU1ZNdEVIOUcxWDMzT0JDWVVhX0dnV1M4VzJmT3pIVGVocEJjRGZOVnNSbnM2VDJ2S2hINFQxXzJjRjFyalFxdElTUmwxLUhFalpsQVlveGdTREZR?oc=5) · Dignity Memorial
- 2022-05-03 [Anna Grace Ponder Taylor - AL.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQN2thMFJjbDVlNjVBc0pJRVU0aUN5N20yQjNuM2dGWGt5cjBWUTFQN010cGdnSHZMRUxtRUgtczJ0bTNmT3ptZFZvTFFkWnM2MXJkODdTVzB0MFpEa2x2QXFXSmJXVEUwSk5VdTdMaHY1dDNpelc5NDdDYVFFSnJpSUx0WTFiQjdHb3J3?oc=5) · AL.com
- 2021-06-15 [Hoover zoning board recommends approval for pool hall, swim school, used car lot - HooverSun.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWHlPYTBtUlcyWFpQSGExRFFxNEZEcW1aVU1USTZRZjAzV29SUC1MUEdvMEtZWk1QcFloZE9ZNkdDMFpFZ2Y5X3B2LTFTVGo1eTJGZ2ZocU5YSU9vVnpOelN4VzVlbXQxUUMwakJLZXlHMU1id3FDQ2hYNDc3bW44dUlmQ19jZ2lOQVZqNnhlTXpycFpsLUlrN1pn0gGkAUFVX3lxTE90OW5BTktRZXlmb2Z2cUY4OWwwWTg0UEZIblhCcGpWNUgyQVNackJSQkpnS19tME1pWEtsQUZfVGhLM1VKTlhIejFzN0xLOXBWczRGLUZCZndOYVRTOHl2ejNZWTFDQmJndGF4MHZJTmJEQjk3bUxjNXFKQ3FqZENuMUdIWnhKaFkyR3JSRGc3ak5fZHE0NFpIalI1QWN6cE5rRDVU?oc=5) · HooverSun.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34460 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "34460", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide