Mill City Depositor LLC

03/06/2026 | Press release | Distributed by Public on 03/06/2026 10:53

Asset-Backed Securitizer Report (Form ABS-15G)

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

x Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period
January 1, 2025 to December 31, 2025
Date of Report (Date of earliest event reported): March 6, 2026
Commission File Number of securitizer: Not Applicable
Central Index Key Number of securitizer: 0001658274

Mill City Depositor, LLC

Jess Dvorak

Telephone 952-444-4812

Name and telephone number, including area code, of the person to
contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ¨

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ¨

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) x

REPRESENTATION AND WARRANTY INFORMATION

Item 1.02 Annual Filing of Rule 15Ga-1 Representations and Warranties Disclosure

Pursuant to Rule 15Ga-1(c)(2)(ii), Mill City Depositor, LLC has indicated by check mark that there is no activity to report for the annual period ending on December 31, 2025.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

MILL CITY DEPOSITOR, LLC
(Securitizer)
By: Mill City Holdings, LLC, its manager
By: /s/ Jess Dvorak
Name: Jess Dvorak
Title: President
Date: March 6, 2026
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