Bank Safety Analysis
Is Bitgo Bank & Trust, N.A. Safe? Sioux Falls, South Dakota
Based on its Q3 2026 call report, Bitgo Bank & Trust, N.A. meets every capital ratio test for well capitalized and its Texas ratio is 0.00%.
BankRegReports is independent of Bitgo Bank & Trust, N.A. and never asks for online banking logins or passwords.
Short answer: is Bitgo Bank & Trust, N.A. safe?
On its Q3 2026 call report, Bitgo Bank & Trust, N.A.'s CET1 ratio is 162.86%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 162.86%
- Tier 1 leverage ratio (Q3 2026): 77.24%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): not reported
Source: the FFIEC call report Bitgo Bank & Trust, N.A. filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Get an email when Bitgo Bank & Trust, N.A. files its next quarter, so you can check this answer again. Free account, no card.
Bitgo Bank & Trust, N.A. is outside the pass range on 1 of 4 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold.
Bitgo Bank & Trust, N.A.'s CET1 ratio of 162.86% is well above the 13.60% median for banks in the $1B-10B asset tier, a gap of 149.26 points (Q3 2026).
Against the 941 banks with $1B to $10B in assets for Q3 2026, Bitgo Bank & Trust, N.A.'s CET1 ratio of 162.86% is above the 13.60% median, Tier 1 leverage ratio of 77.24% is above the 10.54% median, Texas ratio of 0.00% is below the 3.95% median, and efficiency ratio of 99.50% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Bitgo Bank & Trust, N.A.'s 12-month failure risk score is 0.11 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Bitgo Bank & Trust, N.A. score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Bitgo Bank & Trust, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 162.86% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | — | Not reported |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Bitgo Bank & Trust, N.A. well capitalized?
On its Q3 2026 call report, Bitgo Bank & Trust, N.A.'s CET1 ratio is 162.86%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator applies.
What are Bitgo Bank & Trust, N.A.'s key safety ratios?
For Q3 2026, Bitgo Bank & Trust, N.A. reports CET1 162.86%, leverage 77.24%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Where does this data come from?
Not investment advice. See the full Bitgo Bank & Trust, N.A. profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Bitgo Bank & Trust, N.A. fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FFIEC NIC profile (RSSD 6060819)
Explore: Full Bitgo Bank & Trust, N.A. profile · Other banks in SD · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.