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Bitgo Bank & Trust, N.A.

Bitgo Bank & Trust, N.A. is an FDIC-insured bank headquartered in Sioux Falls, SD, with $4.51B in total assets at Q3 2026.

Also written as BB&T

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Sioux Falls, SD $1B to $10B in assets RSSD #6060819

Data as of · sourced from FFIEC call reports. How we update

Charter
Bank
Deposit insurance
FDIC
FDIC certificate
Not reported
Headquarters
Sioux Falls, SD
Established
Not reported
Total assets, Q3 2026
$4.51B
Capital ratio
Not reported
Domestic offices
Not reported
Latest call report
Q3 2026, FFIEC 051 · Bitgo Bank & Trust, N.A. call report
Assets
$4.51B
Deposits
$0
Loans
$0
Equity
$64.9M

Bitgo Bank & Trust, N.A. spends more to run itself than most banks of its size. Based in Sioux Falls, South Dakota, it had $4.5 billion in assets at September 30, 2026. It spends about 100 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 57 cents). On the other hand, it holds common equity equal to 162.86% of its risk-weighted assets, 12.0 times the median of 13.62% for banks its size.

As of September 30, 2026, Bitgo Bank & Trust, N.A. reported a CET1 capital ratio of 162.86%, a return on assets of 1.23% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.

Judged on its Q3 2026 call report, Bitgo Bank & Trust, N.A. meets every capital ratio test for well capitalized.

Headquarters Profile

Federal Reserve member
—
Federal Reserve district
District 9, Minneapolis
Fiduciary (trust) powers
—
Call Report form
FFIEC 051
Employees (FTE)
37
Domestic deposits
$0
Allowance for credit losses
$0
Net charge-offs (YTD)
$0
Average total assets
$4.36B
Average total loans
$0
Average interest-bearing deposits
$0
Fed RSSD
6060819

Balance Sheet

Total liabilities$4.44B
Cash & balances due$1.23B
Securities, available-for-sale$0
Securities, held-to-maturity$0
Goodwill$0

Income Statement

Net income Q3$13.4M
Net interest income YTD$120.7M
Total interest income YTD$120.7M
Total interest expense YTD$0
Provision for credit losses YTD$0

Operating & Funding

Total noninterest income YTD$3.33B
Total noninterest expense YTD$3.44B

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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures

Inside the full Bitgo Bank & Trust, N.A. terminal

21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Quarterly trend: last 1 quarters

Quarter CET1 ROA NPL Texas NIM
Q3 2026 162.86% 1.23% — 0.00% 11.55%

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Regulatory record

Facts as filed or published, not a rating.

Consumer complaints
6 complaints in the last 4 full quarters. Raw counts, not adjusted for size
Period: 2024-Q4 to 2025-Q3. Source: CFPB consumer complaint database.
Not on file
Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Bitgo Bank & Trust, N.A.: financial data from public filings · BankRegReports

Frequently asked about Bitgo Bank & Trust, N.A.

What are Bitgo Bank & Trust, N.A.'s total assets?

As of the Q3 2026 filing, Bitgo Bank & Trust, N.A. reported total assets of $4.51 billion in its FFIEC call report.

Where is Bitgo Bank & Trust, N.A. headquartered?

It is headquartered in Sioux Falls, SD, United States.

What is Bitgo Bank & Trust, N.A.'s CET1 capital ratio?

It reported a Common Equity Tier 1 (CET1) capital ratio of 162.86% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.

What is Bitgo Bank & Trust, N.A.'s Texas Ratio?

Its Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.

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