FDIC Cert #57512 · Phoenix, Arizona · Est. 2003

Western Alliance 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.
$92.7B
Total assets
B
Health grade · Good
1.10%
Return on assets
11.8%
Tier 1 capital

Data updated July 2026

The verdict

Western Alliance Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.76% Tier 1, profitable at 1.10% ROA, 60% efficiency ratio.

#33
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
11.76%
Tier 1 ratio - above the 10% well-capitalized line
50th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 57512 · AZ B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3317/4307
  • PHOTO-FINISH Sound Community Bank · WA
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-HEALTHY 18.1% Texas
  • ROA-PAR 1.10% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arizona: Sound Community Bank, WA (±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 Western Alliance Bank

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

Morgan Stanley Bank,… · UT ·…100/100Falcon National Bank · MN · …66/100Northstar Bank · MI · near66/100Paragon Bank · TN · near66/100Sound Community Bank · WA · …66/100Western Alliance Bank · AZ ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Western Alliance Bank · July 2026

Call Report read for Western Alliance Bank in a high-failure state

Western Alliance Bank (FDIC Cert #57512) carries a PlainBankData health grade of B at 66/100, 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 #3,317 of 4,307. Tier 1 capital prints at 11.76%, clearing the 10% well-capitalized line. The Texas Ratio is 18.14%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.10%. Balance-sheet scale is $92.7B, 33rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sound Community Bank (WA), 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 Western Alliance Bank

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

Western Alliance 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 Western Alliance 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 Western Alliance Bank's 66/100 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 avg77/10066/100
Western Alliance Bank's composite health score
Tier 1 Capital Ratio (11.76%) 28/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (18.14%) 10/20
Efficiency Ratio (60.19%) 8/15

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

Balance sheet at a glance

Total Assets

$92.7B

Total balance-sheet footings

Total Deposits

$77.6B

Customer-funded liabilities

Net Loans

$61.8B

Outstanding loan book

Net Income

$957M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.36% 11.76% 13.16%
Basel III capital ratios - Western Alliance Bank

Where Western Alliance Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Western Alliance Bank's score of 66/100 falls in the highlighted band.

Western Alliance Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 23rd percentile higher than 23% 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. Western Alliance 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

Western Alliance 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). Western Alliance Bank's $92.7B falls in the highlighted band.

Capital & credit buffers at Western Alliance Bank

Tier 1 capital ratio
Well-capitalized 10%

11.76% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.76%
Texas Ratio
18.14%
Equity Capital
$7.8B

What these ratios mean →

Earnings posture at Western Alliance Bank

Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
12.98%
Efficiency Ratio
60.19%

What these mean →

Income & expense at Western Alliance Bank

$4.7B
Interest Income
$633M
Non-Interest Income
$2.1B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Western Alliance Bank reports a Texas Ratio of 18.14% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

18.14% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Western Alliance 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 Western Alliance Bank by assets

Measured strictly by total assets rather than geography, Western Alliance Bank's closest national peers include Zions Bancorporation, Flagstar Bank, City National Bank, Webster Bank, spanning 6 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 0.97% (Western Alliance Bank is above that at 1.10%), the efficiency ratio averages 64.01% (Western Alliance Bank runs leaner at 60.19%), and Tier 1 capital averages 14.07% (Western Alliance Bank holds less at 11.76%). 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 $92.7B in assets, Western Alliance Bank 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 Western Alliance Bank nationally by total assets
  1. 1
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

  2. 2
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

  3. 3
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  4. 4
    Webster Bank $84.0B

    Stamford, CT · Grade A

  5. 5
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  6. 6
    Santander Bank $104.1B

    Wilmington, DE · 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
Western Alliance Bank (this bank) AZ $92.7B 1.10% 60.19% 11.76%
Zions Bancorporation, N.A. UT $89.0B 1.01% 62.94% 11.48%
Flagstar Bank, National Association NY $87.5B -0.14% 93.16% 12.83%
City National Bank CA $98.4B 0.95% 65.09% 16.18%
Webster Bank, National Association CT $84.0B 1.26% 46.99% 12.19%
First Horizon Bank TN $83.6B 1.35% 56.18% 10.98%
Santander Bank, N.A. DE $104.1B 1.36% 59.71% 20.74%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($92.7B here), outside Arizona so the neighborhood is not state containment.

Zions Bancorporation $89.0B · UT Flagstar Bank $87.5B · NY City National Bank $98.4B · CA Webster Bank $84.0B · CT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Western Alliance Bank (FDIC Cert #57512) - 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.

Western Alliance 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
USAA Federal Savings BankPhoenix $108.0B B 0.40%
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%