USAA FEDERAL SAVINGS BANK

PHOENIX, AZ | National | Est. Dec. 30, 1983, midnight | FDIC #32188 | RSSD #619877 | OCC
Latest Report: 2025-12-31

USAA FEDERAL SAVINGS BANK is ann national FDIC-insured commercial bank headquartered in PHOENIX, AZ, established in Dec. 30, 1983, midnight. As of 2025-12-31, the bank reported total assets of $108.0B and total deposits of $93.4B. Profitability stands at 0.26% ROA and 5.31% ROE, with a net interest margin of 5.09%. The bank's CET1 capital ratio is 16.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.14% and a Texas Ratio of 7.18%. FDIC Certificate #32188.

Assets

$108.0B

Deposits

$93.4B

Loans

$45.0B

Equity

$5.3B

Profitability

Return on Assets (ROA) 0.26%
Return on Equity (ROE) 5.31%
Net Interest Margin (NIM) 5.09%
Yield on Assets 5.67%
Cost of Funds 0.57%

Asset Quality

NPL Ratio 1.14%
Net Charge-Off Ratio 2.02%
Texas Ratio 7.18%
NPA Ratio 0.48%
ACL / Loans 4.22%

Capital & Liquidity

CET1 Ratio 16.46%
Tier 1 Capital 16.95%
Total Capital Ratio 18.22%
Leverage Ratio 9.05%
Loan-to-Deposit 48.23%

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