Total Assets
$25.3B
Total balance-sheet footings
FDIC Cert #58303 · Minneapolis, Minnesota · Est. 2006
Ameriprise Bank, FSB - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $25.3B
- Total assets
- A
- Health grade · Excellent
- 3.08%
- Return on assets
- 32.6%
- Tier 1 capital
Data updated July 2026
The verdict
Ameriprise Bank, FSB earns a PlainBankData health grade of A (100/100), with well-capitalized at 32.63% Tier 1, profitable at 3.08% ROA, efficient (10% cost ratio).
- #85
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 32.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 98th
- 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 Ameriprise Bank, FSB's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Ameriprise Bank, FSB's composite health score
Tier 1 Capital Ratio (32.63%) 40/40
Return on Assets (ROA) (3.08%) 25/25
Texas Ratio (0.21%) 20/20
Efficiency Ratio (9.87%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$23.7B
Customer-funded liabilities
Net Loans
$1.9B
Outstanding loan book
Net Income
$747M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Ameriprise Bank, FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ameriprise Bank, FSB's score of 100/100 falls in the highlighted band.
Ameriprise Bank, FSB'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). Ameriprise Bank, FSB's $25.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
32.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
32.63%
Texas Ratio
0.21%
Equity Capital
$1.6B
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
3.08%
Return on Equity (ROE)
52.44%
Efficiency Ratio
9.87%
What the numbers say about Ameriprise Bank, FSB
Ameriprise Bank, FSB is an FDIC-insured institution (Certificate #58303) headquartered in Minneapolis, Minnesota, established in 2006. It holds $25.3B in total assets - 85th of 4,313 FDIC-insured banks, $23.7B in customer deposits, and $1.9B in net loans. On safety, its Tier 1 capital ratio of 32.63% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.21% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), 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.
Ameriprise Bank, FSB's asset base places it among the largest FDIC-insured institutions in the country, 85th of 4,313 nationally, and 1st of 227 banks headquartered in Minnesota. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$1.1B
Interest Income
$18M
Non-Interest Income
$108M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Ameriprise Bank, FSB reports a Texas Ratio of 0.21% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.21% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
National size peers: banks closest to Ameriprise Bank, FSB by assets
Ameriprise Bank, FSB is closely matched in total assets by Provident Bank, Rockland Trust Company, Customers Bank, Simmons Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.75%, versus Ameriprise Bank, FSB's own 3.08%; the average efficiency ratio is 50.65%, versus 9.87% here; and average Tier 1 capital sits at 13.38%, versus 32.63% at Ameriprise Bank, FSB. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $25.3B in assets, Ameriprise Bank, FSB has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Ameriprise Bank, FSB (this bank) | MN | $25.3B | 3.08% | 9.87% | 32.63% |
| Provident Bank | NJ | $24.9B | 1.28% | 46.51% | 12.15% |
| Rockland Trust Company | MA | $24.9B | 1.03% | 58.01% | 14.51% |
| Customers Bank | PA | $24.9B | 1.01% | 48.22% | 13.25% |
| Simmons Bank | AR | $24.5B | -1.40% | 57.93% | 10.56% |
| Cathay Bank | CA | $24.2B | 1.38% | 43.01% | 13.73% |
| FirstBank | CO | $26.5B | 1.20% | 50.25% | 16.10% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ameriprise Bank, FSB (FDIC Cert #58303) - 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 Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
| Park State BankDuluth | $1.5B | A | 1.44% |
Frequently asked questions
What is Ameriprise Bank, FSB's health grade?▼
Ameriprise Bank, FSB receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Ameriprise Bank, FSB?▼
Ameriprise Bank, FSB holds $25.3B in total assets and $23.7B in deposits, ranking 85th of 4,313 FDIC-insured banks by asset size. It is headquartered in Minneapolis, Minnesota.
Is my money safe at Ameriprise Bank, FSB?▼
Yes, deposits at Ameriprise Bank, FSB (Certificate #58303) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Ameriprise Bank, FSB's Tier 1 Capital Ratio?▼
Ameriprise Bank, FSB has a Tier 1 Capital Ratio of 32.63%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Ameriprise Bank, FSB?▼
Ameriprise Bank, FSB has a Texas Ratio of 0.21%. 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 Ameriprise Bank, FSB?▼
Ameriprise Bank, FSB has an Efficiency Ratio of 9.87%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Ameriprise Bank, FSB's profile as a depositor or analyst.
- Ameriprise Bank, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Ameriprise Bank, FSB against other Minnesota banks before moving funds. Minnesota 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.