Comerica B&T NA
Ann Arbor, Michigan · FDIC Cert #1596
Comerica B&T NA is an FDIC-insured bank (Certificate #1596) with $116M in total assets and $520K in total deposits as of the Q2 2024 Call Report. Headquartered in Ann Arbor, Michigan, the bank maintains a Tier 1 capital ratio of 198.62% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (100/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Comerica B&T NA (FDIC cert 1596) is a community bank — $116M in total assets, $520,000 in deposits, serving the Ann Arbor, Michigan area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 198.62% 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 very high: 62.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 15.28% 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 essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Comerica B&T NA carries a composite BankHealth grade of A (100/100) 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: Comerica B&T NA
- Total Assets
- $116M
- Total Deposits
- $520K
- Tier 1 Capital Ratio
- 198.62%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 62.12%
- Return on Assets
- 15.28%
- Headquarters
- Ann Arbor, Michigan
- FDIC Certificate
- #1596
- Health Grade
- A (100/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Comerica B&T NA holds a Tier 1 capital ratio of 198.62%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Comerica B&T NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Comerica B&T NA shows strong financial health indicators. With $116M in assets and a Health Score of 100/100, 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 Comerica B&T NA Compares
Comerica B&T NA’s Health Score of 100 is 27 points above the Michigan state average of 73 across 69 FDIC-insured banks. Its 198.62% Tier 1 capital ratio is 184.6 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 15.28% is in line with or above the national ROA benchmark of ~1.1%. Among 1183 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Comerica B&T NA is 30 points above the portfolio average of 70.
Frequently Asked Questions
Comerica B&T NA has a Bank Health Score of A (100/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 198.62%, 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. Comerica B&T NA's Tier 1 capital ratio of 198.62% 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 Comerica B&T NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1596). 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.
Comerica B&T NA holds $116M in total assets and $520K in total deposits. It is headquartered in Ann Arbor, Michigan (FDIC Certificate #1596).
Comerica B&T NA has a Tier 1 capital ratio of 198.62%, 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 15.28%.
Yes. Comerica B&T NA is FDIC-insured (Certificate #1596). 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%).
Comerica B&T 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.