Blackrock Instl Tr Co NA
San Francisco, California · FDIC Cert #32961
This is the FDIC profile for Blackrock Instl Tr Co NA, an FDIC-insured bank (Certificate #32961) with $4.5B in total assets and $0 in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in San Francisco, California, the bank maintains a Tier 1 capital ratio of 66.06% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (85/100) based on quarterly FDIC filings. 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.
Capital position is strong: Tier 1 capital ratio of 66.06% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. 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 A (85/100) 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
- 66.06%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 14.60%
- Return on Assets
- 19.40%
- Headquarters
- San Francisco, California
- FDIC Certificate
- #32961
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Blackrock Instl Tr Co NA files quarterly Call Reports with the FDIC under Certificate #32961. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Blackrock Instl Tr Co NA holds a Tier 1 capital ratio of 66.06%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Blackrock Instl Tr Co NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Blackrock Instl Tr Co NA shows strong financial health indicators. With $4.5B in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 85 is 3 points above the California state average of 82 across 123 FDIC-insured banks. Its 66.06% Tier 1 capital ratio is 52.1 points above 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 325 similarly-sized banks, the average Health Score is 77, meaning this bank ranks above its size cohort. Site-wide, Blackrock Instl Tr Co NA is 5 points above the portfolio average of 80.
Frequently Asked Questions
Blackrock Instl Tr Co NA has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 66.06%, which is above 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 66.06% and nonperforming loan ratio of 0.00% indicate a low 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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #32961 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Blackrock Instl Tr Co NA has a Tier 1 capital ratio of 66.06%, classifying it as "Well-Capitalized." 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. 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 indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.