Ameriprise Bank FSB Safety Rating
Ameriprise Bank FSB's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #100 out of 3,960 FDIC-insured banks nationally (top 3%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Ameriprise Bank FSB's best component is Tier 1 capital (100/100) and its weakest is loan quality (97/100).
This page answers a common banking-safety question: Ameriprise Bank FSB Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Ameriprise Bank FSB Safety Rating Breakdown
- Overall rating
- Grade A (99/100)
- National rank
- #100 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 97/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 100/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Ameriprise Bank FSB among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 3% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 34.51% | 100/100 |
| Nonperforming Loan Ratio | 0.15% | 97/100 |
| Liquidity Ratio | 93.41% | 100/100 |
| Return on Assets | 4.23% | 100/100 |
| Total Assets | $22.7B | |
How does Ameriprise Bank FSB compare?
With a Bank Health Score of 99/100, Ameriprise Bank FSB sits 29.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Ameriprise Bank FSB ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 34.51% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.15% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Ameriprise Bank FSB's Bank Health Score held roughly steady at 99/100. Tier 1 capital strengthened by 4.37 percentage points to 34.51%.
Frequently Asked Questions
Ameriprise Bank FSB's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #100 out of 3,960 FDIC-insured banks nationally (top 3%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Ameriprise Bank FSB's best component is Tier 1 capital (100/100) and its weakest is loan quality (97/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Ameriprise Bank FSB: Tier 1 capital scores 100/100, loan quality 97/100, liquidity 100/100, and profitability 100/100 — combining to 99/100 (grade A).
Ameriprise Bank FSB's Bank Health Score of 99/100 is 26.0 points above the Minnesota state average of 73/100. 225 FDIC-insured banks are headquartered in Minnesota.
Yes. Ameriprise Bank FSB (FDIC certificate #58303) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Ameriprise Bank FSB
Ameriprise Bank FSB's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #100 out of 3,960 FDIC-insured banks nationally (top 3%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Ameriprise Bank FSB's best component is Tier 1 capital (100/100) and its weakest is loan quality (97/100).