BanksUSAA FEDERAL SAVINGS BANK

USAA FEDERAL SAVINGS BANK

PHOENIX, AZNationalEst. Dec. 30, 1983, midnightFDIC #32188RSSD #619877OCC
Latest · 2025-12-31

USAA FEDERAL SAVINGS BANK is an 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%. CET1 capital ratio: 16.46%, well above regulatory minimums. NPL ratio: 1.14% · Texas Ratio: 7.18%. Operates 2 domestic branches.

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 Margin5.09%
Yield on Assets5.67%
Cost of Funds0.57%

Asset Quality

NPL Ratio1.14%
Net Charge-Off Ratio2.02%
Texas Ratio7.18%
NPA Ratio0.48%
ACL / Loans4.22%

Capital & Liquidity

CET1 Ratio16.46%
Tier 1 Capital16.95%
Total Capital Ratio18.22%
Leverage Ratio9.05%
Loan-to-Deposit48.23%

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