Happen Bank, N.A. — Financials & Key Ratios
Data as of · sourced from FFIEC call reports. How we update
Happen Bank, N.A. is the primary bank subsidiary of its parent holding company, headquartered in Lehi, UT. The bank posts a strong 1.76% ROA and 15.29% ROE. Happen Bank's Q1 2026 balance sheet shows $11.8B in assets funded primarily by $10.3B in customer deposits. Capital cushions are healthy: 15.48% CET1, 10.89% Tier 1 leverage. Asset quality is solid — 1.40% nonperforming loans and a 6.52% Texas Ratio. 3 branches make up the footprint.
Headquarters Profile
- Address
- 2701 N Thanksgiving Way , LEHI , UT 84043
- County
- Utah
- Metro Area
- PROVO-OREM-LEHI, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 14
- Established
- August 26, 1987
- Branches
- 3 domestic
- Employees (FTE)
- 1,104
- FDIC Cert
- 32551
- Fed RSSD
- 264772
- Website
- www.lendingclub.com →
- Parent Holding Company
- HAPPEN, INC. (RSSD 4738879)
Profitability
Capital & Liquidity
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Happen Bank, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location. View all 3 branch locations →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lendingclub Bank, National Association | Lehi , UT | 84043 | $9.3B |
| Boston Branch | Boston , MA | 02210 | $0 |
| San Francisco Admin Branch | San Francisco , CA | 94105 | $0 |
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Frequently asked about Happen Bank, N.A.
What are Happen Bank, N.A.'s total assets?
As of the Q1 2026 filing, Happen Bank, N.A. reported total assets of $11.85 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Happen Bank, N.A. headquartered?
Happen Bank, N.A. is headquartered in LEHI, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Happen Bank, N.A. founded?
Happen Bank, N.A. was established in 1987, per the FDIC institution directory.
Is Happen Bank, N.A. FDIC-insured?
Yes. Happen Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #32551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Happen Bank, N.A.?
Happen Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Happen Bank, N.A.'s CET1 capital ratio?
Happen Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.48% in its most recent quarterly filing — comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Happen Bank, N.A. operate?
Happen Bank, N.A. operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Happen Bank, N.A.'s Texas Ratio?
Happen Bank, N.A.'s Texas Ratio is 6.52% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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