Total Assets
$108.0B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$93.4B
Customer-funded liabilities
Net Loans
$43.1B
Outstanding loan book
Net Income
$432M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
9.32%
Efficiency Ratio
76.02%
What the numbers say about USAA Federal Savings Bank
USAA Federal Savings Bank is an FDIC-insured institution (Certificate #32188) headquartered in Phoenix, Arizona, established in 1983. It holds $108.0B in total assets - 30th of 4,313 FDIC-insured banks, $93.4B in customer deposits, and $43.1B in net loans. Capital-wise, the Tier 1 ratio sits at 16.46%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.16%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 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, USAA Federal Savings Bank sits in the top decile of all FDIC-insured institutions by asset size (30th of 4,313), and within Arizona it ranks 1st of 13 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Western Alliance Bank, at $92.7B. 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
$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.
Top banks in Arizona by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Arizona
All Arizona banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is USAA Federal Savings Bank's health grade?▼
USAA Federal Savings Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is USAA Federal Savings Bank?▼
USAA Federal Savings Bank holds $108.0B in total assets and $93.4B in deposits, ranking 30th of 4,313 FDIC-insured banks by asset size. It is headquartered in Phoenix, Arizona.
Is my money safe at USAA Federal Savings Bank?▼
Yes, deposits at USAA Federal Savings Bank (Certificate #32188) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is USAA Federal Savings Bank's Tier 1 Capital Ratio?▼
USAA Federal Savings Bank has a Tier 1 Capital Ratio of 16.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for USAA Federal Savings Bank?▼
USAA Federal Savings Bank has a Texas Ratio of 7.16%. 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 USAA Federal Savings Bank?▼
USAA Federal Savings Bank has an Efficiency Ratio of 76.02%. 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 USAA Federal Savings Bank's profile as a depositor or analyst.
- USAA Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare USAA Federal Savings Bank against other Arizona banks before moving funds. Arizona 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.