Bank Safety Analysis
Is First National Digital Currency Bank, N.A. Safe? New York, New York
Based on its Q3 2026 call report, First National Digital Currency Bank, N.A. meets the community bank leverage ratio test for well capitalized and its Texas ratio is 0.00%.
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Short answer: is First National Digital Currency Bank, N.A. safe?
On its Q3 2026 call report, First National Digital Currency Bank, N.A.'s Community Bank Leverage Ratio is 99.65%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 99.65%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): not reported
Source: the FFIEC call report First National Digital Currency Bank, 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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First National Digital Currency Bank, N.A. passes all 4 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Against a median of 12.88% for banks in the < $100M asset tier, First National Digital Currency Bank, N.A. reported 99.65% on leverage ratio in Q3 2026, 86.78 points higher.
Against the 567 banks with under $100M in assets for Q3 2026, First National Digital Currency Bank, N.A.'s community bank leverage ratio of 99.65% is above the 12.88% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 25.40% is below the 69.32% 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.
First National Digital Currency Bank, N.A.'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 First National Digital Currency Bank, N.A. score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does First National Digital Currency Bank, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| 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 |
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Frequently asked
Is First National Digital Currency Bank, N.A. well capitalized?
On its Q3 2026 call report, First National Digital Currency Bank, N.A.'s Community Bank Leverage Ratio is 99.65%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator applies.
What are First National Digital Currency Bank, N.A.'s key safety ratios?
For Q3 2026, First National Digital Currency Bank, N.A. reports leverage 99.65%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
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Where does this data come from?
Not investment advice. See the full First National Digital Currency Bank, N.A. profile.
How we score this
First National Digital Currency Bank, N.A. elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio First National Digital Currency Bank, N.A. is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FFIEC NIC profile (RSSD 6057323)
Explore: Full First National Digital Currency Bank, N.A. 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.