Auto Club Trust, FSB
Auto Club Trust completed a merger involving an acquired institution in April 2025. Auto Club Trust, FSB is an FDIC-insured commercial bank. On its most recent Q1 2025 call report, Auto Club Trust reported $466M in total assets against $339M in deposits. Earnings turned negative this period, with ROA at -0.74%. Regulatory capital is solid — 17.93% CET1 and 19.13% total risk-based capital ratio. Credit metrics are in line with industry norms — 0.94% NPL ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 1 Auto Club Dr, Dearborn, MI 48126
- County
- Wayne
- Metro Area
- DETROIT-WARREN-DEARBORN, MI
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- Fed District
- 9
- Established
- November 30, 1999
- Branches
- 1 domestic
- Employees (FTE)
- 65
- FDIC Cert
- 35115
- Fed RSSD
- 2860459
Profitability
Capital & Liquidity
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Auto Club Trust, FSB rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerMerger -Without AssistanceFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Auto Club Trust, FSB
What are Auto Club Trust, FSB's total assets?
As of the Q1 2026 filing, Auto Club Trust, FSB reported total assets of $466.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Auto Club Trust, FSB headquartered?
Auto Club Trust, FSB is headquartered in Dearborn, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Auto Club Trust, FSB founded?
Auto Club Trust, FSB was established in 1999, per the FDIC institution directory.
Is Auto Club Trust, FSB FDIC-insured?
Yes. Auto Club Trust, FSB is an FDIC-insured commercial bank (FDIC Certificate #35115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Auto Club Trust, FSB?
Auto Club Trust, FSB's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Auto Club Trust, FSB's CET1 capital ratio?
Auto Club Trust, FSB reported a Common Equity Tier 1 (CET1) capital ratio of 17.93% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Auto Club Trust, FSB operate?
Auto Club Trust, FSB operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Auto Club Trust, FSB's Texas Ratio?
Auto Club Trust, FSB's Texas Ratio is 10.77% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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