FDIC Cert #13986 · Denver, Colorado · Est. 1905

Transact Bank, National Association - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$7M
Total assets
C
Health grade · Fair
-0.77%
Return on assets
38.4%
Tier 1 capital

Data updated July 2026

The verdict

Transact Bank, National Association earns a PlainBankData health grade of C (60/100), with well-capitalized at 38.43% Tier 1, -0.77% ROA, 103% efficiency ratio.

#4,304
largest of 4,313 FDIC banks by assets
0th
percentile by asset size, nationally
38.43%
Tier 1 ratio - above the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 13986 · CO C · 60/100

GRADE-C · LOWER-Q · SOLO-SHEET · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3859/4307
  • SOLO-SHEET No peer gap
  • TIER1-WELL 38.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-LOSS -0.77% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

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 Transact Bank

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

Morgan Stanley Bank,… · UT ·…100/100Transact Bank, Natio… · CO ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Transact Bank · July 2026

Call Report read for Transact Bank in a high-failure state

Transact Bank, National Association (FDIC Cert #13986) carries a PlainBankData health grade of C at 60/100, 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 #3,859 of 4,307. Tier 1 capital prints at 38.43%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.77%. Balance-sheet scale is $7M, 4,304th of 4,313 FDIC-insured banks by assets. 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 Transact Bank

10 FAILURE resolutions in Colorado since 2000, heavy vs the state corpus

Transact Bank, National Association sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Transact Bank, National Association's current Call Report.

  • PREMIER BANK DENVER, CO 2015 → UNITED FIDELITY BANK, FSB
  • COLORADO CAPITAL BANK CASTLE ROCK, CO 2011 → FIRST-CITIZENS BANK & TRUST COMPANY
  • SIGNATURE BANK WINDSOR, CO 2011 → POINTS WEST COMMUNITY BANK

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

How Transact Bank, National Association's 60/100 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 avg77/10060/100
Transact Bank, National Association's composite health score
Tier 1 Capital Ratio (38.43%) 40/40
Return on Assets (ROA) (-0.77%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (102.75%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$7M

Total balance-sheet footings

Total Deposits

$5M

Customer-funded liabilities

Net Loans

$2M

Outstanding loan book

Net Income

$-51K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 37.03% 38.43% 39.83%
Basel III capital ratios - Transact Bank, National Association

Where Transact Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Transact Bank, National Association's score of 60/100 falls in the highlighted band.

Transact Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 10th percentile higher than 10% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Transact 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

Transact 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). Transact Bank, National Association's $7M falls in the highlighted band.

Capital & credit buffers at Transact Bank

Tier 1 capital ratio
Well-capitalized 10%

38.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
38.43%
Texas Ratio
0.00%
Equity Capital
$1M

What these ratios mean →

Profitability metrics: Transact Bank

Return on Assets (ROA)
2nd percentile nationally
-0.77%
Return on Equity (ROE)
-4.84%
Efficiency Ratio
102.75%

What these mean →

Income & expense: loss period at Transact Bank

$234K
Interest Income
$2M
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Transact Bank, National Association reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Transact Bank, National Association

Transact Bank, National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-51K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Transact Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

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

Top banks in Colorado by total assets

Largest banks headquartered in Colorado
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    NBH Bank $9.8B

    Greenwood Village, CO · Grade A

  3. 3
    Bank of Colorado $7.7B

    Fort Collins, CO · Grade A

  4. 4
    Alpine Bank $6.9B

    Glenwood Springs, CO · Grade A

  5. 5
    First Western Trust Bank $3.2B

    Denver, CO · Grade C

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

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Transact Bank, National Association (FDIC Cert #13986) - 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.

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

Other banks in Colorado

All Colorado banks →
BankAssetsGradeROA
FirstBankLakewood $26.5B A 1.20%
NBH BankGreenwood Village $9.8B A 1.18%
Bank of ColoradoFort Collins $7.7B A 1.07%
Alpine BankGlenwood Springs $6.9B A 1.16%
First Western Trust BankDenver $3.2B C 0.51%
ANB BankDenver $3.0B B 0.81%
Colorado Federal Savings BankGreenwood Village $2.7B A 0.57%
Solera National BankLakewood $1.6B B 1.86%