Blackrock Instl Tr Co NA
San Francisco, California · FDIC Cert #32961
Blackrock Instl Tr Co NA is an FDIC-insured bank (Certificate #32961) with $4.5B in total assets and $0 in total deposits as of the Q2 2024 Call Report. Headquartered in San Francisco, California, 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 (50/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Blackrock Instl Tr Co NA (FDIC cert 32961) is a mid-sized bank with $4.5B in total assets and $0 in deposits, based in San Francisco, California. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
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 thin: 14.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 19.40% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Blackrock Instl Tr Co NA carries a composite BankHealth grade of C (50/100) 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: Blackrock Instl Tr Co NA
- Total Assets
- $4.5B
- Total Deposits
- $0
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 14.60%
- Return on Assets
- 19.40%
- Headquarters
- San Francisco, California
- FDIC Certificate
- #32961
- Health Grade
- C (50/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Blackrock Instl Tr Co NA holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Blackrock Instl Tr Co NA to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Blackrock Instl Tr Co NA shows average financial health. While not alarming, its Health Score of 50/100 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 Blackrock Instl Tr Co NA Compares
Blackrock Instl Tr Co NA’s Health Score of 50 is 22 points below the California state average of 72 across 123 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 19.40% is in line with or above the national ROA benchmark of ~1.1%. Among 326 similarly-sized banks, the average Health Score is 74, meaning this bank ranks below its size cohort. Site-wide, Blackrock Instl Tr Co NA is 20 points below the portfolio average of 70.
Frequently Asked Questions
Blackrock Instl Tr Co NA has a Bank Health Score of C (50/100), 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. Blackrock Instl Tr Co NA'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 Blackrock Instl Tr Co NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32961). 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.
Blackrock Instl Tr Co NA holds $4.5B in total assets and $0 in total deposits. It is headquartered in San Francisco, California (FDIC Certificate #32961).
Blackrock Instl Tr Co NA 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 19.40%.
Yes. Blackrock Instl Tr Co NA is FDIC-insured (Certificate #32961). 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%).
Blackrock Instl Tr Co NA'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.