Total Assets
$12.5B
Total balance-sheet footings
FDIC Cert #32245 · Pittsburgh, Pennsylvania · Est. 1984
Dollar Bank, Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Dollar Bank, Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $12.5B
- Total assets
- B
- Health grade · Good
- 0.53%
- Return on assets
- 15.2%
- Tier 1 capital
Data updated July 2026
The verdict
Dollar Bank, Federal Savings Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 15.21% Tier 1, 0.53% ROA, 76% efficiency ratio.
- #139
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 15.21%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Dollar Bank, Federal Savings Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Dollar Bank, Federal Savings Bank's composite health score
Tier 1 Capital Ratio (15.21%) 40/40
Return on Assets (ROA) (0.53%) 14/25
Texas Ratio (8.03%) 16/20
Efficiency Ratio (75.71%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$10.1B
Customer-funded liabilities
Net Loans
$9.6B
Outstanding loan book
Net Income
$63M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Dollar Bank, Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dollar Bank, Federal Savings Bank's score of 74/100 falls in the highlighted band.
Dollar Bank, Federal Savings 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). Dollar Bank, Federal Savings Bank's $12.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.21%
Texas Ratio
8.03%
Equity Capital
$1.3B
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.53%
Return on Equity (ROE)
5.19%
Efficiency Ratio
75.71%
What the numbers say about Dollar Bank, Federal Savings Bank
Dollar Bank, Federal Savings Bank is an FDIC-insured institution (Certificate #32245) headquartered in Pittsburgh, Pennsylvania, established in 1984. It holds $12.5B in total assets - 139th of 4,313 FDIC-insured banks, $10.1B in customer deposits, and $9.6B in net loans. Its capital position: a Tier 1 ratio of 15.21%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.03% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Dollar Bank, Federal Savings Bank sits in the top decile of all FDIC-insured institutions by asset size (139th of 4,313), and within Pennsylvania it ranks 7th of 112 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is First Commonwealth Bank, at $12.3B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$576M
Interest Income
$45M
Non-Interest Income
$303M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Dollar Bank, Federal Savings Bank reports a Texas Ratio of 8.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
National size peers: banks closest to Dollar Bank, Federal Savings Bank by assets
Measured strictly by total assets rather than geography, Dollar Bank, Federal Savings Bank's closest national peers include Safra National Bank of New York, Oriental Bank, First Bank, First Commonwealth Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Pennsylvania. Averaged across this asset-matched cohort, return on assets runs 1.36% (Dollar Bank, Federal Savings Bank is below that at 0.53%), the efficiency ratio averages 52.26% (Dollar Bank, Federal Savings Bank runs higher at 75.71%), and Tier 1 capital averages 15.20% (Dollar Bank, Federal Savings Bank holds more at 15.21%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $12.5B in assets, Dollar Bank, Federal Savings Bank 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 |
|---|---|---|---|---|---|
| Dollar Bank, Federal Savings Bank (this bank) | PA | $12.5B | 0.53% | 75.71% | 15.21% |
| Safra National Bank of New York | NY | $12.5B | 0.92% | 64.01% | 22.33% |
| Oriental Bank | PR | $12.4B | 1.59% | 52.92% | 13.44% |
| First Bank | NC | $12.7B | 0.94% | 50.34% | 14.69% |
| First Commonwealth Bank | PA | $12.3B | 1.33% | 54.10% | 11.69% |
| PlainsCapital Bank | TX | $12.7B | 1.05% | 74.52% | 14.49% |
| BMW Bank of North America | UT | $12.8B | 2.31% | 17.65% | 14.53% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dollar Bank, Federal Savings Bank (FDIC Cert #32245) - 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 Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
| S&T BankIndiana | $9.9B | A | 1.43% |
Frequently asked questions
What is Dollar Bank, Federal Savings Bank's health grade?▼
Dollar Bank, Federal Savings Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Dollar Bank, Federal Savings Bank?▼
Dollar Bank, Federal Savings Bank holds $12.5B in total assets and $10.1B in deposits, ranking 139th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pittsburgh, Pennsylvania.
Is my money safe at Dollar Bank, Federal Savings Bank?▼
Yes, deposits at Dollar Bank, Federal Savings Bank (Certificate #32245) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Dollar Bank, Federal Savings Bank's Tier 1 Capital Ratio?▼
Dollar Bank, Federal Savings Bank has a Tier 1 Capital Ratio of 15.21%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Dollar Bank, Federal Savings Bank?▼
Dollar Bank, Federal Savings Bank has a Texas Ratio of 8.03%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Dollar Bank, Federal Savings Bank?▼
Dollar Bank, Federal Savings Bank has an Efficiency Ratio of 75.71%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Dollar Bank, Federal Savings Bank's profile as a depositor or analyst.
- Dollar Bank, Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Dollar Bank, Federal Savings Bank against other Pennsylvania banks before moving funds. Pennsylvania 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.