Total Assets
$11.5B
Total balance-sheet footings
FDIC Cert #32551 · Lehi, Utah · Est. 1987
LendingClub Bank, National Association - FDIC Bank Health Profile
A community-scale look at LendingClub Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $11.5B
- Total assets
- A
- Health grade · Excellent
- 1.22%
- Return on assets
- 15.5%
- Tier 1 capital
Data updated July 2026
The verdict
LendingClub Bank, National Association earns a PlainBankData health grade of A (88/100), with well-capitalized at 15.47% Tier 1, profitable at 1.22% ROA, 63% efficiency ratio.
- #147
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 15.47%
- Tier 1 ratio - above the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How LendingClub Bank, National Association's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
LendingClub Bank, National Association's composite health score
Tier 1 Capital Ratio (15.47%) 40/40
Return on Assets (ROA) (1.22%) 20/25
Texas Ratio (3.94%) 20/20
Efficiency Ratio (62.52%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$9.9B
Customer-funded liabilities
Net Loans
$6.2B
Outstanding loan book
Net Income
$132M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where LendingClub Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. LendingClub Bank, National Association's score of 88/100 falls in the highlighted band.
LendingClub Bank, National Association'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). LendingClub Bank, National Association's $11.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.47%
Texas Ratio
3.94%
Equity Capital
$1.3B
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.22%
Return on Equity (ROE)
10.81%
Efficiency Ratio
62.52%
What the numbers say about LendingClub Bank, National Association
LendingClub Bank, National Association is an FDIC-insured institution (Certificate #32551) headquartered in Lehi, Utah, established in 1987. It holds $11.5B in total assets - 147th of 4,313 FDIC-insured banks, $9.9B in customer deposits, and $6.2B in net loans. Its capital position: a Tier 1 ratio of 15.47%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.94% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 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, LendingClub Bank, National Association sits in the top decile of all FDIC-insured institutions by asset size (147th of 4,313), and within Utah it ranks 12th of 42 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Merrick Bank, at $9.3B. 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
$961M
Interest Income
$356M
Non-Interest Income
$616M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. LendingClub Bank, National Association reports a Texas Ratio of 3.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
National size peers: banks closest to LendingClub Bank, National Association by assets
Measured strictly by total assets rather than geography, LendingClub Bank, National Association's closest national peers include Stifel Bank, Farmers and Merchants Bank of Long Be…, First Foundation Bank, Columbia Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Utah. Averaged across this asset-matched cohort, return on assets runs 0.72% (LendingClub Bank, National Association is above that at 1.22%), the efficiency ratio averages 61.73% (LendingClub Bank, National Association runs higher at 62.52%), and Tier 1 capital averages 14.80% (LendingClub Bank, National Association holds more at 15.47%). 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 $11.5B in assets, LendingClub Bank, National Association 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 |
|---|---|---|---|---|---|
| LendingClub Bank, National Association (this bank) | UT | $11.5B | 1.22% | 62.52% | 15.47% |
| Stifel Bank | MO | $11.7B | 1.49% | 24.50% | 11.84% |
| Farmers and Merchants Bank of Long Beach | CA | $11.8B | 0.59% | 68.39% | 18.84% |
| First Foundation Bank | CA | $11.9B | -1.10% | 97.13% | 13.97% |
| Columbia Bank | NJ | $11.0B | 0.48% | 69.77% | 13.20% |
| BancFirst | OK | $12.1B | 1.79% | 51.08% | 17.11% |
| Stellar Bank | TX | $10.8B | 1.07% | 59.50% | 13.83% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) LendingClub Bank, National Association (FDIC Cert #32551) - 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 LendingClub Bank, National Association's health grade?▼
LendingClub Bank, National Association receives a health grade of A (88/100) 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 LendingClub Bank, National Association?▼
LendingClub Bank, National Association holds $11.5B in total assets and $9.9B in deposits, ranking 147th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lehi, Utah.
Is my money safe at LendingClub Bank, National Association?▼
Yes, deposits at LendingClub Bank, National Association (Certificate #32551) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is LendingClub Bank, National Association's Tier 1 Capital Ratio?▼
LendingClub Bank, National Association has a Tier 1 Capital Ratio of 15.47%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for LendingClub Bank, National Association?▼
LendingClub Bank, National Association has a Texas Ratio of 3.94%. 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 LendingClub Bank, National Association?▼
LendingClub Bank, National Association has an Efficiency Ratio of 62.52%. 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 LendingClub Bank, National Association's profile as a depositor or analyst.
- LendingClub Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare LendingClub Bank, National Association 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.