Banco Bilbao Vizcaya Sa
New York City, New York · FDIC Cert #33690
Banco Bilbao Vizcaya Sa is an FDIC-insured bank (Certificate #33690) with $22.5B in total assets and $6.8B in total deposits as of the Q2 2024 Call Report. Headquartered in New York City, New York, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of C (52/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Banco Bilbao Vizcaya Sa (FDIC cert 33690) is a large bank with $22.5B in total assets and $6.8B in deposits, headquartered in New York City, New York. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 25.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is minimal: ROA of 0.00% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Banco Bilbao Vizcaya Sa carries a composite BankHealth grade of C (52/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Banco Bilbao Vizcaya Sa
- Total Assets
- $22.5B
- Total Deposits
- $6.8B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 25.21%
- Return on Assets
- 0.00%
- Headquarters
- New York City, New York
- FDIC Certificate
- #33690
- Health Grade
- C (52/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Banco Bilbao Vizcaya Sa holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Banco Bilbao Vizcaya Sa to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Banco Bilbao Vizcaya Sa shows average financial health. While not alarming, its Health Score of 52/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Banco Bilbao Vizcaya Sa Compares
Banco Bilbao Vizcaya Sa’s Health Score of 52 is 19 points below the New York state average of 71 across 130 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.00% is below the national ROA benchmark of ~1.1%. Among 87 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Banco Bilbao Vizcaya Sa is 18 points below the portfolio average of 70.
Frequently Asked Questions
Banco Bilbao Vizcaya Sa has a Bank Health Score of C (52/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Banco Bilbao Vizcaya Sa's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Banco Bilbao Vizcaya Sa is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33690). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Banco Bilbao Vizcaya Sa holds $22.5B in total assets and $6.8B in total deposits. It is headquartered in New York City, New York (FDIC Certificate #33690).
Banco Bilbao Vizcaya Sa has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.00%.
Yes. Banco Bilbao Vizcaya Sa is FDIC-insured (Certificate #33690). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Banco Bilbao Vizcaya Sa's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.