Green Dot Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Net charge-off ratio climbed 70.63 percentage points in Q2 2026, from 7.06% to 77.69%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Green Dot Bank is 30th of 44 on return on assets, 1.33% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Green Dot Bank sits 0.05 points higher, at 1.33% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.97% |
| Tier 1 risk-based capital ratio | 31.97% |
| Total risk-based capital ratio | 32.43% |
| Tier 1 leverage ratio | 8.59% |
| Equity capital to assets | 5.82% |
| Tangible equity to tangible assets | 5.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.56% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 77.69% |
| Texas ratio | 0.46% |
| Allowance for credit losses to loans | 17.26% |
| Reserve coverage of non-performing loans | 484.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 24.79% |
| Net interest margin | 5.68% |
| Efficiency ratio | 93.27% |
| Yield on earning assets | 5.88% |
| Cost of funds | 0.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.81% |
| Core deposits to total deposits | 94.76% |
| Brokered deposits to total deposits | 5.17% |
| Deposits to assets | 92.58% |
| Securities to assets | 55.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 29.93% | 29.93% | 30.76% | 10.43% | 1.98% |
| Q4 2023 | 27.80% | 27.80% | 28.38% | 9.83% | -0.42% |
| Q1 2024 | 24.42% | 24.42% | 24.91% | 8.33% | 2.03% |
| Q2 2024 | 23.60% | 23.60% | 24.07% | 8.09% | 0.24% |
| Q3 2024 | 29.62% | 29.62% | 30.28% | 7.46% | 1.65% |
| Q4 2024 | 28.23% | 28.23% | 28.81% | 7.29% | 1.05% |
| Q1 2025 | 29.23% | 29.23% | 29.75% | 7.55% | 0.05% |
| Q2 2025 | 35.01% | 35.01% | 35.67% | 7.70% | 1.36% |
| Q3 2025 | 33.76% | 33.76% | 34.41% | 8.11% | 1.51% |
| Q4 2025 | 29.75% | 29.75% | 30.25% | 8.37% | 1.67% |
| Q1 2026 | 31.35% | 31.35% | 31.82% | 8.51% | 1.81% |
| Q2 2026 | 31.97% | 31.97% | 32.43% | 8.59% | 1.33% |
Green Dot Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Green Dot Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Green Dot Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22653) · FFIEC NIC profile (RSSD 243375)