Hightower Trust Co NA Safety Rating
Hightower Trust Co NA's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #170 out of 3,960 FDIC-insured banks nationally (top 4%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Hightower Trust Co NA's best component is Tier 1 capital (100/100) and its weakest is profitability (91/100).
This page answers a common banking-safety question: Hightower Trust Co NA 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.
Hightower Trust Co NA Safety Rating Breakdown
- Overall rating
- Grade A (99/100)
- National rank
- #170 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 100/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 91/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Hightower Trust Co NA 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 4% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 79.95% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 91.11% | 100/100 |
| Return on Assets | 1.78% | 91/100 |
| Total Assets | $0.0B | |
How does Hightower Trust Co NA compare?
With a Bank Health Score of 99/100, Hightower Trust Co NA sits 19.0 points above the national average of 80/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Hightower Trust Co NA ranks above the state average of 85/100 (Grade A).
The bank's Tier 1 capital ratio of 79.95% 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 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Hightower Trust Co NA's Bank Health Score improved by 9.0 points to 99/100. Tier 1 capital weakened by 4.69 percentage points to 79.95%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
Hightower Trust Co NA's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #170 out of 3,960 FDIC-insured banks nationally (top 4%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Hightower Trust Co NA's best component is Tier 1 capital (100/100) and its weakest is profitability (91/100).
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 Hightower Trust Co NA: Tier 1 capital scores 100/100, loan quality 100/100, liquidity 100/100, and profitability 91/100 — combining to 99/100 (grade A).
Hightower Trust Co NA's Bank Health Score of 99/100 is 14.0 points above the Texas state average of 85/100. 321 FDIC-insured banks are headquartered in Texas.
Yes. Hightower Trust Co NA (FDIC certificate #59321) 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 Hightower Trust Co NA
Hightower Trust Co NA's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #170 out of 3,960 FDIC-insured banks nationally (top 4%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Hightower Trust Co NA's best component is Tier 1 capital (100/100) and its weakest is profitability (91/100).