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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 58303 · MN A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #3/4307
  • PHOTO-FINISH Column National Asso… · CA
  • TIER1-WELL 32.6% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-STRONG 3.08% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Column National Association, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Ameriprise Bank, FSB

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

American Plus Bank,… · CA · …100/100Ameriprise Bank, FSB · MN · …100/100Bank of Montana · MT · near100/100Column National Asso… · CA ·…100/100HSBC Trust Company (… · DE ·…100/100Morgan Stanley Bank,… · UT ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Ameriprise Bank, FSB · July 2026

Call Report read for Ameriprise Bank, FSB in a high-failure state

Ameriprise Bank, FSB (FDIC Cert #58303) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3 of 4,307. Tier 1 capital prints at 32.63%, clearing the 10% well-capitalized line. The Texas Ratio is 0.21%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.08%. Balance-sheet scale is $25.3B, 85th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Column National Association (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Ameriprise Bank, FSB

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Ameriprise Bank, FSB sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Ameriprise Bank, FSB's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

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.

0/100100/100National avg77/100100/100
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 Assets

$25.3B

Total balance-sheet footings

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

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 31.23% 32.63% 34.03%
Basel III capital ratios - Ameriprise Bank, FSB

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than all other reporting FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Ameriprise Bank, FSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Ameriprise Bank, FSB

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

What these ratios mean →

Earnings posture at Ameriprise Bank, FSB

Return on Assets (ROA)
98th percentile nationally
3.08%
Return on Equity (ROE)
52.44%
Efficiency Ratio
9.87%

What these mean →

Income & expense at Ameriprise Bank, FSB

$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.

FDIC Failed Bank List → View Ameriprise Bank, FSB on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Ameriprise Bank, FSB nationally by total assets
  1. 1
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  2. 2
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  3. 3
    Customers Bank $24.9B

    Malvern, PA · Grade A

  4. 4
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

  6. 6
    FirstBank $26.5B

    Lakewood, CO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($25.3B here), outside Minnesota so the neighborhood is not state containment.

Provident Bank $24.9B · NJ Rockland Trust Company $24.9B · MA Customers Bank $24.9B · PA Simmons Bank $24.5B · AR

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.

Ameriprise Bank, FSB Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
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%