FDIC Cert #32188 · Phoenix, Arizona · Est. 1983

USAA Federal Savings Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$108.0B
Total assets
B
Health grade · Good
0.40%
Return on assets
16.5%
Tier 1 capital

Data updated July 2026

The verdict

USAA Federal Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 16.46% Tier 1, 0.40% ROA, 76% efficiency ratio.

#30
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
16.46%
Tier 1 ratio - above the 10% well-capitalized line
13th
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 32188 · AZ B · 67/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MEGA · BOOK-FULL

  • GRADE-B B (67/100)
  • MID-PACK #3181/4307
  • PHOTO-FINISH Summit State Bank · CA
  • TIER1-WELL 16.5% Tier 1
  • TEXAS-CLEAN 7.2% Texas
  • ROA-THIN 0.40% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arizona: Summit State Bank, CA (±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 USAA Federal Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Abacus Federal Savin… · NY ·…67/100Eastern Internationa… · CA ·…67/100Homewood Federal Sav… · MD ·…67/100Summit State Bank · CA · near67/100USAA Federal Savings… · AZ ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around USAA Federal Savings Bank · July 2026

Call Report read for USAA Federal Savings Bank in a high-failure state

USAA Federal Savings Bank (FDIC Cert #32188) carries a PlainBankData health grade of B at 67/100, 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 #3,181 of 4,307. Tier 1 capital prints at 16.46%, clearing the 10% well-capitalized line. The Texas Ratio is 7.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.40%. Balance-sheet scale is $108.0B, 30th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Summit State Bank (CA), 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 USAA Federal Savings Bank

16 FAILURE resolutions in Arizona since 2000, heavy vs the state corpus

USAA Federal Savings Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about USAA Federal Savings Bank's current Call Report.

  • SUNRISE BANK OF ARIZONA PHOENIX, AZ 2013 → FIRST FIDELITY BANK, NATIONAL ASSOCIATION
  • CENTRAL ARIZONA BANK SCOTTSDALE, AZ 2013 → WESTERN STATE BANK
  • GOLD CANYON BANK GOLD CANYON, AZ 2013 → FIRST SCOTTSDALE, NATIONAL ASSOCIATION

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

How USAA Federal Savings Bank's 67/100 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 avg77/10067/100
USAA Federal Savings Bank's composite health score
Tier 1 Capital Ratio (16.46%) 40/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (7.16%) 16/20
Efficiency Ratio (76.02%) 4/15

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

Balance sheet at a glance

Total Assets

$108.0B

Total balance-sheet footings

Total Deposits

$93.4B

Customer-funded liabilities

Net Loans

$43.1B

Outstanding loan book

Net Income

$432M

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.) 15.06% 16.46% 17.86%
Basel III capital ratios - USAA Federal Savings Bank

Where USAA Federal Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. USAA Federal Savings Bank's score of 67/100 falls in the highlighted band.

USAA Federal Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 26th percentile higher than 26% 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. USAA Federal Savings 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

USAA Federal Savings 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). USAA Federal Savings Bank's $108.0B falls in the highlighted band.

Capital & credit buffers at USAA Federal Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

16.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.46%
Texas Ratio
7.16%
Equity Capital
$5.3B

What these ratios mean →

Profitability metrics: USAA Federal Savings Bank

Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
9.32%
Efficiency Ratio
76.02%

What these mean →

Income & expense at USAA Federal Savings Bank

$5.6B
Interest Income
$1.9B
Non-Interest Income
$5.2B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. USAA Federal Savings Bank reports a Texas Ratio of 7.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View USAA Federal Savings Bank on FDIC BankFind →

Top banks in Arizona by total assets

Largest banks headquartered in Arizona
  1. 1
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  2. 2
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  3. 3
    BNC National Bank $1.1B

    Glendale, AZ · Grade B

  4. 4
    Southwest Heritage Bank $894M

    Scottsdale, AZ · Grade B

  5. 5
    1st Bank Yuma $553M

    Yuma, AZ · Grade F

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

National size peers: banks closest to USAA Federal Savings Bank by assets

Measured strictly by total assets rather than geography, USAA Federal Savings Bank's closest national peers include Santander Bank, Synchrony Bank, City National Bank, UBS Bank USA, spanning 4 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Arizona. Averaged across this asset-matched cohort, return on assets runs 1.41% (USAA Federal Savings Bank is below that at 0.40%), the efficiency ratio averages 50.93% (USAA Federal Savings Bank runs higher at 76.02%), and Tier 1 capital averages 17.14% (USAA Federal Savings Bank holds less at 16.46%). 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 $108.0B in assets, USAA Federal Savings Bank sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to USAA Federal Savings Bank nationally by total assets
  1. 1
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  2. 2
    Synchrony Bank $112.1B

    Draper, UT · Grade A

  3. 3
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  6. 6
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

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
USAA Federal Savings Bank (this bank) AZ $108.0B 0.40% 76.02% 16.46%
Santander Bank, N.A. DE $104.1B 1.36% 59.71% 20.74%
Synchrony Bank UT $112.1B 2.89% 34.85% 13.70%
City National Bank CA $98.4B 0.95% 65.09% 16.18%
UBS Bank USA UT $119.3B 1.13% 22.83% 28.98%
Western Alliance Bank AZ $92.7B 1.10% 60.19% 11.76%
Zions Bancorporation, N.A. UT $89.0B 1.01% 62.94% 11.48%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($108.0B here), outside Arizona so the neighborhood is not state containment.

Santander Bank $104.1B · DE Synchrony Bank $112.1B · UT City National Bank $98.4B · CA UBS Bank USA $119.3B · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) USAA Federal Savings Bank (FDIC Cert #32188) - 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.

USAA Federal Savings Bank Call Report profile · FDIC Failed Bank List · Arizona FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arizona

All Arizona banks →
BankAssetsGradeROA
Western Alliance BankPhoenix $92.7B B 1.10%
BNC National BankGlendale $1.1B B 1.00%
Southwest Heritage BankScottsdale $894M B 0.98%
1st Bank YumaYuma $553M F 1.81%
Goldwater Bank, N.A.Phoenix $515M C 0.85%
Gateway Commercial BankMesa $228M A 1.16%
Mission BankKingman $186M B 0.37%
Integro BankPhoenix $178M B 1.90%