Green Dot Bank
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Data as of · sourced from FFIEC call reports. How we update
Green Dot Bank is an FDIC-insured commercial bank headquartered in Provo, UT, established in 1978 (FDIC certificate 22653), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $5.44B, up 12.7% from Q2 2025, the 15th largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 31.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22653
- Headquarters
- Provo, UT
- Established
- 1978
- Total assets, Q2 2026
- $5.44B
- Assets vs Q2 2025
- +12.7%
- CET1 ratio, Q2 2026
- 31.97%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124302529
- Holding company
- GREEN DOT CORPORATION
- Asset rank in state
- 15th of 44 in Utah
Green Dot Bank is one of the more profitable banks of its size. Based in Provo, Utah, it had $5.4 billion in assets at June 30, 2026, up 12.7% from a year earlier. It returns 24.8% a year on shareholders' equity, about double the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it spends about 93 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents). A wide margin does most of the work: it keeps 5.68 cents of net interest income on every dollar of earning assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $248 million equal 50% of Tier 1 capital, down from 69% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 8.0% and deposits rose 10.4%. Where it has less room is capital: it funds 8.59% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Green Dot Bank reported a CET1 capital ratio of 31.97%, a return on assets of 1.33%, a nonperforming-loan ratio of 3.56% and a Texas ratio of 0.46%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Green Dot Bank is the 15th largest of the 44 banks headquartered in Utah. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.2% to $5.44B, loans fell 38.8% and deposits rose 1.4%. Other revolving consumer credit made up 35.3% of its total loans on June 30, 2026, its largest category; next came credit card loans at 21.5%. Its one office in the FDIC Summary of Deposits is in Provo, UT. On its Q2 2026 call report, Green Dot Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1675 N 200 W, Provo, UT 84604
- County
- Utah
- Metro Area
- Provo-Orem-Lehi, UT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 15, 1978
- Former names
- Green Dot Bank DBA Bonneville Bank (2011)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 136
- Domestic deposits
- $5.04B
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- $13.6M
- Average total assets
- $5.76B
- Average total loans
- $39.0M
- Average interest-bearing deposits
- $208.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 15, 1978
- FDIC Cert
- 22653
- Fed RSSD
- 243375
- SEC CIK
- 1386278 → filed by GREEN DOT CORPORATION
- Website
- www.bonnevillebank.com →
- Parent Holding Company
- GREEN DOT CORPORATION (RSSD 4057262) · GDOT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| William I Jacobs | CEO | interim CEO |
| Ruppel Christian Devin | PRES | President |
| Jess Unruh | CFO | Chief Financial Officer |
| Watkins Teresa Elaine | COO | Chief Operations Officer |
| Pugh Amy Myers | GC | General Counsel and Secretary |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Green Dot Bank's total assets ran between $3.84B (Q3 2023) and $5.87B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.44B total assets against $4.83B; $5.13B total liabilities against $4.63B.
$33.8M net loans and leases against $36.7M; $5.04B total deposits against $4.56B.
$3.03B securities against $1.54B; $1.32B cash and balances due against $2.42B.
$67.4M total interest income against $65.0M; $2.4M total interest expense against $1.5M.
$65.0M net interest income against $63.5M.
$416.6M total noninterest income against $316.4M; $449.2M total noninterest expense against $348.7M.
$7.4M provision for credit losses against $7.2M.
$19.1M net income against $18.0M.
1.33% return on assets against 1.36%; 5.68% net interest margin against 6.12%.
31.97% CET1 capital ratio against 35.01%; 8.59% tier 1 leverage ratio against 7.70%.
Inside the full Green Dot Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Green Dot Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.05% (Q1 2025) to 1.81% (Q1 2026) and its net interest margin ran from 5.68% (Q2 2026) to 6.19% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.97% | 1.33% | 3.56% | 0.46% | 5.68% |
| Q1 2026 | 31.35% | 1.81% | 2.30% | 0.52% | 5.97% |
| Q4 2025 | 29.75% | 1.67% | 1.56% | 0.67% | 6.19% |
| Q3 2025 | 33.76% | 1.51% | 4.03% | 0.87% | 6.02% |
| Q2 2025 | 35.01% | 1.36% | 4.03% | 0.91% | 6.12% |
| Q1 2025 | 29.23% | 0.05% | 3.53% | 1.30% | 5.83% |
| Q4 2024 | 28.23% | 1.05% | 3.27% | 2.96% | 5.98% |
| Q3 2024 | 29.62% | 1.65% | 5.93% | 1.85% | 6.11% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Green Dot Bank Dba Bonneville Bank | Provo , UT | 84604 | $5.04B |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (SEC Form 8-K)
- November 26, 2025, SEC Form 8-K: 8-K Item 1.01: written agreement
- July 19, 2024, SEC Form 8-K: 8-K Item 8.01: consent order
- July 19, 2024, SEC Form 8-K: 8-K Item 9.01: consent order
- Period: Most recent institution action November 26, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in UT, rank 18 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $560K approved, $560K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Green Dot Bank
What are Green Dot Bank's total assets?
As of the Q2 2026 filing, Green Dot Bank reported total assets of $5.44 billion in its FFIEC call report.
Where is Green Dot Bank headquartered?
It is headquartered in Provo, UT, United States.
When was Green Dot Bank founded?
It was established in 1978, per the FDIC institution directory.
Is Green Dot Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22653). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Green Dot Bank?
Green Dot Bank's primary federal regulator is the Federal Reserve.
What is Green Dot Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Green Dot Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Green Dot Bank's Texas Ratio?
Its Texas Ratio is 0.46% in its Q2 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 non-performing assets against the bank's capital and reserves.
What was Green Dot Bank previously called?
The charter now named Green Dot Bank has also operated as Green Dot Bank DBA Bonneville Bank (2011), per FDIC structure-change records.
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