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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 32551 · UT A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #853/4307
  • PHOTO-FINISH First Peoples Bank · GA
  • TIER1-WELL 15.5% Tier 1
  • TEXAS-CLEAN 3.9% Texas
  • ROA-PAR 1.22% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: First Peoples Bank, GA (±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 LendingClub Bank

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

Morgan Stanley Bank,… · UT ·…100/100Desjardins Bank, Nat… · FL ·…88/100First Peoples Bank · GA · ne…88/100Grand Savings Bank · OK · ne…88/100LendingClub Bank, Na… · UT ·…88/100Sound Banking Company · WA ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around LendingClub Bank · July 2026

What LendingClub Bank's Call Report plate shows

LendingClub Bank, National Association (FDIC Cert #32551) carries a PlainBankData health grade of A at 88/100, 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 #853 of 4,307. Tier 1 capital prints at 15.47%, clearing the 10% well-capitalized line. The Texas Ratio is 3.94%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.22%. Balance-sheet scale is $11.5B, 147th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Peoples Bank (GA), 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 LendingClub Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

LendingClub Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; LendingClub Bank, National Association remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

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

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.

0/100100/100National avg77/10088/100
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 Assets

$11.5B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.07% 15.47% 16.87%
Basel III capital ratios - LendingClub Bank, National Association

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% of 4,307 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%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. LendingClub Bank 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

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 ratios for LendingClub Bank

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

What these ratios mean →

Earnings posture at LendingClub Bank

Return on Assets (ROA)
59th percentile nationally
1.22%
Return on Equity (ROE)
10.81%
Efficiency Ratio
62.52%

What these mean →

Income & expense at LendingClub Bank

$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.

FDIC Failed Bank List → View LendingClub Bank, National Association on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

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

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.

Closest banks to LendingClub Bank, National Association nationally by total assets
  1. 1
    Stifel Bank $11.7B

    Saint Louis, MO · Grade A

  2. 2
    Farmers and Merchants Bank of Long Be… $11.8B

    Long Beach, CA · Grade A

  3. 3
    First Foundation Bank $11.9B

    Irvine, CA · Grade C

  4. 4
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

  5. 5
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  6. 6
    Stellar Bank $10.8B

    Houston, TX · 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
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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($11.5B here), outside Utah so the neighborhood is not state containment.

Stifel Bank $11.7B · MO Farmers and Merchants Bank of Long Be… $11.8B · CA First Foundation Bank $11.9B · CA Columbia Bank $11.0B · NJ

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.

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

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
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%