Total Assets
$5.2B
Total balance-sheet footings
FDIC Cert #22653 · Provo, Utah · Est. 1978
Green Dot Bank DBA Bonneville Bank - FDIC Bank Health Profile
A community-scale look at Green Dot Bank DBA Bonneville Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.2B
- Total assets
- A
- Health grade · Excellent
- 1.24%
- Return on assets
- 29.7%
- Tier 1 capital
Data updated July 2026
The verdict
Green Dot Bank DBA Bonneville Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 29.75% Tier 1, profitable at 1.24% ROA, 92% efficiency ratio.
- #284
- largest of 4,313 FDIC banks by assets
- 93rd
- percentile by asset size, nationally
- 29.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 60th
- 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 Green Dot Bank DBA Bonneville Bank's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Green Dot Bank DBA Bonneville Bank's composite health score
Tier 1 Capital Ratio (29.75%) 40/40
Return on Assets (ROA) (1.24%) 20/25
Texas Ratio (0.65%) 20/20
Efficiency Ratio (91.80%) 0/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4.9B
Customer-funded liabilities
Net Loans
$111M
Outstanding loan book
Net Income
$61M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Green Dot Bank DBA Bonneville Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Green Dot Bank DBA Bonneville Bank's score of 80/100 falls in the highlighted band.
Green Dot Bank DBA Bonneville 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). Green Dot Bank DBA Bonneville Bank's $5.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
29.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
29.75%
Texas Ratio
0.65%
Equity Capital
$279M
Profitability metrics
Return on Assets (ROA)
60th percentile nationally
1.24%
Return on Equity (ROE)
30.96%
Efficiency Ratio
91.80%
What the numbers say about Green Dot Bank DBA Bonneville Bank
Green Dot Bank DBA Bonneville Bank is an FDIC-insured institution (Certificate #22653) headquartered in Provo, Utah, established in 1978. It holds $5.2B in total assets - 284th of 4,313 FDIC-insured banks, $4.9B in customer deposits, and $111M in net loans. Capital-wise, the Tier 1 ratio sits at 29.75%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.65%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (80 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, Green Dot Bank DBA Bonneville Bank sits in the top decile of all FDIC-insured institutions by asset size (284th of 4,313), and within Utah it ranks 15th of 42 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Celtic Bank, at $4.8B. 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
$262M
Interest Income
$1.3B
Non-Interest Income
$1.4B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Green Dot Bank DBA Bonneville Bank reports a Texas Ratio of 0.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Green Dot Bank DBA Bonneville Bank (FDIC Cert #22653) - 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 Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | $253.3B | A | 1.86% |
| American Express National BankSandy | $211.3B | A | 3.89% |
| Ally BankSandy | $184.6B | A | 0.91% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| Zions Bancorporation, N.A.Salt Lake City | $89.0B | B | 1.01% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |
Frequently asked questions
What is Green Dot Bank DBA Bonneville Bank's health grade?▼
Green Dot Bank DBA Bonneville Bank receives a health grade of A (80/100) 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 Green Dot Bank DBA Bonneville Bank?▼
Green Dot Bank DBA Bonneville Bank holds $5.2B in total assets and $4.9B in deposits, ranking 284th of 4,313 FDIC-insured banks by asset size. It is headquartered in Provo, Utah.
Is my money safe at Green Dot Bank DBA Bonneville Bank?▼
Yes, deposits at Green Dot Bank DBA Bonneville Bank (Certificate #22653) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Green Dot Bank DBA Bonneville Bank's Tier 1 Capital Ratio?▼
Green Dot Bank DBA Bonneville Bank has a Tier 1 Capital Ratio of 29.75%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Green Dot Bank DBA Bonneville Bank?▼
Green Dot Bank DBA Bonneville Bank has a Texas Ratio of 0.65%. 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 Green Dot Bank DBA Bonneville Bank?▼
Green Dot Bank DBA Bonneville Bank has an Efficiency Ratio of 91.80%. 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 Green Dot Bank DBA Bonneville Bank's profile as a depositor or analyst.
- Green Dot Bank DBA Bonneville Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Green Dot Bank DBA Bonneville Bank against other Utah banks before moving funds. Utah 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.