Total Assets
$1.6B
Total balance-sheet footings
FDIC Cert #34781 · Ogden, Utah · Est. 1998
Transportation Alliance Bank, Inc. d/b/a TAB Bank - FDIC Bank Health Profile
A community-scale look at Transportation Alliance Bank, Inc. d/b/a TAB Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.6B
- Total assets
- C
- Health grade · Fair
- 0.94%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
Transportation Alliance Bank, Inc. d/b/a TAB Bank earns a PlainBankData health grade of C (64/100), with well-capitalized at 10.79% Tier 1, 0.94% ROA, efficient (57% cost ratio).
- #701
- largest of 4,313 FDIC banks by assets
- 84th
- percentile by asset size, nationally
- 10.79%
- Tier 1 ratio - above the 10% well-capitalized line
- 38th
- 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 Transportation Alliance Bank, Inc. d/b/a TAB Bank's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Transportation Alliance Bank, Inc. d/b/a TAB Bank's composite health score
Tier 1 Capital Ratio (10.79%) 28/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (15.91%) 10/20
Efficiency Ratio (56.99%) 12/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$1.2B
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Transportation Alliance Bank, Inc. d/b/a TAB Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Transportation Alliance Bank, Inc. d/b/a TAB Bank's score of 64/100 falls in the highlighted band.
Transportation Alliance Bank, Inc. d/b/a TAB 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). Transportation Alliance Bank, Inc. d/b/a TAB Bank's $1.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.79%
Texas Ratio
15.91%
Equity Capital
$174M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
9.27%
Efficiency Ratio
56.99%
What the numbers say about Transportation Alliance Bank, Inc. d/b/a TAB Bank
Transportation Alliance Bank, Inc. d/b/a TAB Bank is an FDIC-insured institution (Certificate #34781) headquartered in Ogden, Utah, established in 1998. It holds $1.6B in total assets - 701st of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $1.2B in net loans. On safety, its Tier 1 capital ratio of 10.79% is above the 10% well-capitalized threshold, and its Texas Ratio of 15.91% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (64/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Utah, Transportation Alliance Bank, Inc. d/b/a TAB Bank ranks 26th of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$162M
Interest Income
$21M
Non-Interest Income
$72M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Transportation Alliance Bank, Inc. d/b/a TAB Bank reports a Texas Ratio of 15.91% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.91% - 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) Transportation Alliance Bank, Inc. d/b/a TAB Bank (FDIC Cert #34781) - 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 Transportation Alliance Bank, Inc. d/b/a TAB Bank's health grade?▼
Transportation Alliance Bank, Inc. d/b/a TAB Bank receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Transportation Alliance Bank, Inc. d/b/a TAB Bank?▼
Transportation Alliance Bank, Inc. d/b/a TAB Bank holds $1.6B in total assets and $1.4B in deposits, ranking 701st of 4,313 FDIC-insured banks by asset size. It is headquartered in Ogden, Utah.
Is my money safe at Transportation Alliance Bank, Inc. d/b/a TAB Bank?▼
Yes, deposits at Transportation Alliance Bank, Inc. d/b/a TAB Bank (Certificate #34781) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Transportation Alliance Bank, Inc. d/b/a TAB Bank's Tier 1 Capital Ratio?▼
Transportation Alliance Bank, Inc. d/b/a TAB Bank has a Tier 1 Capital Ratio of 10.79%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Transportation Alliance Bank, Inc. d/b/a TAB Bank?▼
Transportation Alliance Bank, Inc. d/b/a TAB Bank has a Texas Ratio of 15.91%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Transportation Alliance Bank, Inc. d/b/a TAB Bank?▼
Transportation Alliance Bank, Inc. d/b/a TAB Bank has an Efficiency Ratio of 56.99%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Transportation Alliance Bank, Inc. d/b/a TAB Bank's profile as a depositor or analyst.
- Transportation Alliance Bank, Inc. d/b/a TAB Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Transportation Alliance Bank, Inc. d/b/a TAB 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.