Total Assets
$195M
Total balance-sheet footings
FDIC Cert #34460 · Leeds, Alabama · Est. 1997
Millennial Bank - FDIC Bank Health Profile
A community-scale look at Millennial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $195M
- Total assets
- C
- Health grade · Fair
- 0.70%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Millennial Bank earns a PlainBankData health grade of C (56/100), with 9.73% Tier 1 capital, 0.70% ROA, 74% efficiency ratio.
- #3,047
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 9.73%
- Tier 1 ratio - below the 10% well-capitalized line
- 24th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Millennial Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Millennial Bank's composite health score
Tier 1 Capital Ratio (9.73%) 18/40
Return on Assets (ROA) (0.70%) 14/25
Texas Ratio (0.24%) 20/20
Efficiency Ratio (74.13%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$170M
Customer-funded liabilities
Net Loans
$152M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Millennial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Millennial Bank's score of 56/100 falls in the highlighted band.
Millennial Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Millennial Bank's $195M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.73% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.73%
Texas Ratio
0.24%
Equity Capital
$15M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.70%
Return on Equity (ROE)
9.12%
Efficiency Ratio
74.13%
What the numbers say about Millennial Bank
Millennial Bank is an FDIC-insured institution (Certificate #34460) headquartered in Leeds, Alabama, established in 1997. It holds $195M in total assets - 3,047th of 4,313 FDIC-insured banks, $170M in customer deposits, and $152M in net loans. Looking at capital strength, Tier 1 stands at 9.73%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.24%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, Millennial Bank ranks 64th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$476K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Millennial Bank reports a Texas Ratio of 0.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Millennial Bank (FDIC Cert #34460) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is Millennial Bank's health grade?▼
Millennial Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Millennial Bank?▼
Millennial Bank holds $195M in total assets and $170M in deposits, ranking 3,047th of 4,313 FDIC-insured banks by asset size. It is headquartered in Leeds, Alabama.
Is my money safe at Millennial Bank?▼
Yes, deposits at Millennial Bank (Certificate #34460) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Millennial Bank's Tier 1 Capital Ratio?▼
Millennial Bank has a Tier 1 Capital Ratio of 9.73%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Millennial Bank?▼
Millennial Bank has a Texas Ratio of 0.24%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Millennial Bank?▼
Millennial Bank has an Efficiency Ratio of 74.13%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Millennial Bank's profile as a depositor or analyst.
- Millennial Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Millennial Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.