Green Dot Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Green Dot Bank is one of the more profitable banks of its size. Based in Provo, Utah, it had $5.4 billion in assets at June 30, 2026, up 12.7% from a year earlier. It returns 24.8% a year on shareholders' equity, about double the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it spends about 93 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents). A wide margin does most of the work: it keeps 5.68 cents of net interest income on every dollar of earning assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $248 million equal 50% of Tier 1 capital, down from 69% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 8.0% and deposits rose 10.4%. Where it has less room is capital: it funds 8.59% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Green Dot Bank reported a CET1 capital ratio of 31.97%, a return on assets of 1.33%, a nonperforming-loan ratio of 3.56% and a Texas ratio of 0.46%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1675 N 200 W, Provo, UT 84604
- County
- Utah
- Metro Area
- Provo-Orem-Lehi, UT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 15, 1978
- Former names
- Green Dot Bank DBA Bonneville Bank (2011)
- Offices
- 1 domestic
- Employees (FTE)
- 136
- Domestic deposits
- $5.04B
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- $13.6M
- Average total assets
- $5.76B
- Average total loans
- $39.0M
- Average interest-bearing deposits
- $208.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 15, 1978
- FDIC Cert
- 22653
- Fed RSSD
- 243375
- SEC CIK
- 1386278 → filed by GREEN DOT CORPORATION
- Website
- www.bonnevillebank.com →
- Parent Holding Company
- GREEN DOT CORPORATION (RSSD 4057262) · GDOT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| William I Jacobs | CEO | interim CEO |
| Ruppel Christian Devin | PRES | President |
| Jess Unruh | CFO | Chief Financial Officer |
| Watkins Teresa Elaine | COO | Chief Operations Officer |
| Pugh Amy Myers | GC | General Counsel and Secretary |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Green Dot Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Green Dot Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Green Dot Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.97% | 1.33% | 3.56% | 0.46% | 5.68% |
| Q1 2026 | 31.35% | 1.81% | 2.30% | 0.52% | 5.97% |
| Q4 2025 | 29.75% | 1.67% | 1.56% | 0.67% | 6.19% |
| Q3 2025 | 33.76% | 1.51% | 4.03% | 0.87% | 6.02% |
| Q2 2025 | 35.01% | 1.36% | 4.03% | 0.91% | 6.12% |
| Q1 2025 | 29.23% | 0.05% | 3.53% | 1.30% | 5.83% |
| Q4 2024 | 28.23% | 1.05% | 3.27% | 2.96% | 5.98% |
| Q3 2024 | 29.62% | 1.65% | 5.93% | 1.85% | 6.11% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Green Dot Bank Dba Bonneville Bank | Provo , UT | 84604 | $5.04B |
Regulatory record
What the public regulatory sources show for Green Dot Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (SEC Form 8-K)
- November 26, 2025, SEC Form 8-K: 8-K Item 1.01: written agreement
- July 19, 2024, SEC Form 8-K: 8-K Item 8.01: consent order
- July 19, 2024, SEC Form 8-K: 8-K Item 9.01: consent order
- Period: Most recent institution action November 26, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in UT, rank 18 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $560K approved, $560K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Green Dot Bank
What are Green Dot Bank's total assets?
As of the Q2 2026 filing, Green Dot Bank reported total assets of $5.44 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Green Dot Bank headquartered?
Green Dot Bank is headquartered in Provo, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Green Dot Bank founded?
Green Dot Bank was established in 1978, per the FDIC institution directory.
Is Green Dot Bank FDIC-insured?
Yes. Green Dot Bank is an FDIC-insured commercial bank (FDIC Certificate #22653). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Green Dot Bank?
Green Dot Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Green Dot Bank's CET1 capital ratio?
Green Dot Bank reported a Common Equity Tier 1 (CET1) capital ratio of 31.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Green Dot Bank operate?
Green Dot Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Green Dot Bank's Texas Ratio?
Green Dot Bank's Texas Ratio is 0.46% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Green Dot Bank previously called?
The charter now named Green Dot Bank has also operated as Green Dot Bank DBA Bonneville Bank (2011), per FDIC structure-change records.
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