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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%.

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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.

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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

Overall verdict Outside a BankRegReports band on operating efficiency
12-month failure risk score
0.11/100
Risk tier
LOW
Composite risk score
0.15/100

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.

Capital Adequacy PASS
CET1 Ratio: 162.86% · 15,586 bps above the 7.0% minimum-plus-buffer line
Peer tier avg: 14.96% Industry avg: 13.53%

Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.

Leverage PASS
Tier 1 Leverage Ratio: 77.24% · 7,224 bps above the 5.0% well-capitalized line
Peer tier avg: 11.29% Industry avg: 8.91%

Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.

Asset Quality UNKNOWN
NPL Ratio: not reported
Peer tier avg: 1.06% Industry avg: 0.93%
Stress Buffer PASS
Texas Ratio: 0.00% · 5,000 bps below the 50% BankRegReports watch band
Peer tier avg: 7.09% Industry avg: 6.28%

Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.

Operating Efficiency FAIL
Efficiency Ratio: 99.50% · 950 bps above the 90% BankRegReports fail band
Peer tier avg: 57.69% Industry avg: 56.16%

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.

Risk screens for Bitgo Bank & Trust, N.A.
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.

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

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.