Bank Safety Analysis
Is Plante Moran Trust, N.A. Safe?
Plante Moran Trust, N.A. meets regulatory minimums but is on the watch band for 1 of 4 safety dimensions. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 1607.46 percentage points higher than in Q1 2026, at 19186.81%. Plante Moran Trust, N.A.'s CET1 ratio of 19186.81% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 19167.25 points (Q2 2026). From Q3 2023 to Q2 2026, Plante Moran Trust, N.A.'s CET1 ratio ranged between 942.68% (Q3 2023) and 19186.81% (Q2 2026) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Plante Moran Trust, N.A.'s CET1 ratio from 17057.14% to 19186.81%, Texas ratio from 0.00% to 0.00%, return on assets from 23.42% to 25.64% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (536 banks) · Industry averages as of Q2 2026.
CET1 of 19186.81% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 86.90% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 75.2% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 19186.81% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Flags at 100% or above | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 19186.81% |
| Q1 2026 | 17579.35% |
| Q4 2025 | 15956.84% |
| Q3 2025 | 16372.48% |
| Q2 2025 | 17057.14% |
| Q1 2025 | 16243.75% |
| Q4 2024 | 13681.13% |
| Q3 2024 | 6366.67% |
| Q2 2024 | 8472.57% |
| Q1 2024 | 2980.84% |
| Q4 2023 | 4124.70% |
| Q3 2023 | 942.68% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Plante Moran Trust, N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 19186.81% | — | 0.00% | 25.64% |
| Mar 31, 2026 | 17579.35% | — | 0.00% | 20.10% |
| Dec 31, 2025 | 15956.84% | — | 0.00% | 26.16% |
| Sep 30, 2025 | 16372.48% | — | 0.00% | 21.49% |
| Jun 30, 2025 | 17057.14% | — | 0.00% | 23.42% |
| Mar 31, 2025 | 16243.75% | — | 0.00% | 23.20% |
| Dec 31, 2024 | 13681.13% | — | 0.00% | 22.29% |
| Sep 30, 2024 | 6366.67% | — | 0.00% | 13.77% |
| Jun 30, 2024 | 8472.57% | — | 0.00% | 15.54% |
| Mar 31, 2024 | 2980.84% | — | 0.00% | 14.83% |
| Dec 31, 2023 | 4124.70% | — | 0.00% | 11.38% |
| Sep 30, 2023 | 942.68% | — | 0.00% | 13.26% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Plante Moran Trust, N.A. well capitalized?
Yes. Plante Moran Trust, N.A. reports a CET1 Ratio of 19186.81%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator applies under Prompt Corrective Action.
What is Plante Moran Trust, N.A.'s Texas Ratio?
Plante Moran Trust, N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FFIEC NIC profile (RSSD 5591633)
Explore: Full Plante Moran Trust, N.A. profile · Other banks in MI · Metric glossary · How the call report works