Bank Safety Analysis
Is Deutsche Bank Trust Company Americas Safe? New York, New York
Based on its Q3 2026 call report, Deutsche Bank Trust Company Americas meets every capital ratio test for well capitalized, its Texas ratio is 2.36%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Deutsche Bank Trust Company Americas safe?
On its Q3 2026 call report, Deutsche Bank Trust Company Americas's CET1 ratio is 54.70%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 54.70%
- Tier 1 leverage ratio (Q3 2026): 24.97%
- Texas ratio (Q3 2026): 2.36%
- Noncurrent loans ratio (Q3 2026): 1.43%
Deutsche Bank Trust Company Americas is an FDIC-insured commercial bank (FDIC Certificate #623). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Deutsche Bank Trust Company Americas (FDIC Certificate #623) 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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Deutsche Bank Trust Company Americas is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: uninsured deposit share.
The standout move of Q3 2026 was in return on assets: 2.00 percentage points lower than in Q2 2026, at -0.95%. On CET1 ratio, Deutsche Bank Trust Company Americas ranks 5th highest among the 81 banks headquartered in New York, at 54.70% (Q3 2026). Deutsche Bank Trust Company Americas's CET1 ratio of 54.70% is well above the 12.88% median for banks in the $10B-100B asset tier, a gap of 41.82 points (Q3 2026).
From Q4 2023 to Q3 2026, Deutsche Bank Trust Company Americas's CET1 ratio ranged between 51.90% (Q1 2024) and 57.55% (Q1 2025) and its Texas ratio ranged between 0.33% (Q1 2024) and 2.77% (Q4 2024). Between Q3 2025 and Q3 2026, Deutsche Bank Trust Company Americas's CET1 ratio fell from 54.99% to 54.70%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.45% to 1.43%, Texas ratio rose from 2.29% to 2.36% and return on assets fell from 1.70% to -0.95%.
Of the 105 banks headquartered in New York, Deutsche Bank Trust Company Americas is the 6th largest by total assets at Q3 2026. Loans for purchasing or carrying securities are its largest loan category, $3.53B of $15.61B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, Deutsche Bank Trust Company Americas's CET1 ratio of 54.70% is above the 12.88% median, Tier 1 leverage ratio of 24.97% is above the 10.21% median, nonperforming loans ratio of 1.43% is above the 0.67% median, Texas ratio of 2.36% is below the 4.26% median, and efficiency ratio of 162.96% is above the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets, above the community and regional banks the model was trained on, so treat its score as a rough screen.
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.
Deutsche Bank Trust Company Americas's 12-month failure risk score is <0.01 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 Deutsche Bank Trust Company Americas score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does Deutsche Bank Trust Company Americas trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 54.70% | Within range |
| Texas ratio BankRegReports band | 2.36% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.43% | Within range |
| Uninsured deposit share BankRegReports band | 92.70% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 50.72% | Within range |
| Commercial real estate to capital supervisory threshold | 43.03% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 54.70% |
| Q2 2026 | 57.52% |
| Q1 2026 | 56.66% |
| Q4 2025 | 56.62% |
| Q3 2025 | 54.99% |
| Q2 2025 | 55.46% |
| Q1 2025 | 57.55% |
| Q4 2024 | 55.77% |
| Q3 2024 | 55.87% |
| Q2 2024 | 52.76% |
| Q1 2024 | 51.90% |
| Q4 2023 | 52.26% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 2.36% |
| Q2 2026 | 1.43% |
| Q1 2026 | 1.58% |
| Q4 2025 | 1.67% |
| Q3 2025 | 2.29% |
| Q2 2025 | 2.31% |
| Q1 2025 | 2.70% |
| Q4 2024 | 2.77% |
| Q3 2024 | 2.04% |
| Q2 2024 | 1.21% |
| Q1 2024 | 0.33% |
| Q4 2023 | 0.33% |
Loans by type, Q3 2026
- Loans for purchasing or carrying securities: $3.53B
- 1-4 family residential loans: $2.15B
- Multifamily loans: $2.10B
- All other loans: $1.98B
- Non-owner-occupied commercial real estate loans: $1.79B
- Commercial and industrial loans: $1.77B
- Loans to depository institutions: $1.21B
- Loans to states and political subdivisions: $576.0M
How have Deutsche Bank Trust Company Americas's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $42.45B | 54.70% | 24.97% | 1.43% | 2.36% | 162.96% |
| Jun 30, 2026 | $40.53B | 57.52% | 25.79% | 0.92% | 1.43% | 63.99% |
| Mar 31, 2026 | $39.74B | 56.66% | 25.32% | 0.99% | 1.58% | 63.31% |
| Dec 31, 2025 | $43.03B | 56.62% | 25.18% | 1.09% | 1.67% | 50.38% |
| Sep 30, 2025 | $40.29B | 54.99% | 25.19% | 1.45% | 2.29% | 51.16% |
| Jun 30, 2025 | $42.88B | 55.46% | 27.27% | 1.46% | 2.31% | 43.38% |
| Mar 31, 2025 | $39.66B | 57.55% | 27.28% | 1.76% | 2.70% | 40.07% |
| Dec 31, 2024 | $39.78B | 55.77% | 25.85% | 1.77% | 2.77% | 158.40% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Deutsche Bank Trust Company Americas FDIC insured?
Yes. Deutsche Bank Trust Company Americas is an FDIC-insured commercial bank (FDIC Certificate #623). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Deutsche Bank Trust Company Americas well capitalized?
On its Q3 2026 call report, Deutsche Bank Trust Company Americas's CET1 ratio is 54.70%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Deutsche Bank Trust Company Americas's key safety ratios?
For Q3 2026, Deutsche Bank Trust Company Americas reports CET1 54.70%, leverage 24.97%, Texas ratio 2.36%, noncurrent loans 1.43%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if Deutsche Bank Trust Company Americas fails?
For Q3 2026, Deutsche Bank Trust Company Americas reported $30.78B in total deposits, 92.70% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Deutsche Bank Trust Company Americas 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.
Deutsche Bank Trust Company Americas 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: FDIC BankFind (cert 623) · FFIEC NIC profile (RSSD 214807)
Explore: Full Deutsche Bank Trust Company Americas profile · Other banks in NY · 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.