Comerica Bank
Dallas, Texas · FDIC Cert #983
Comerica Bank is an FDIC-insured bank (Certificate #983) with $79.6B in total assets and $63.9B in total deposits as of the Q2 2024 Call Report. Headquartered in Dallas, Texas, the bank maintains a Tier 1 capital ratio of 11.27% (Well-Capitalized) and a nonperforming loan ratio of 0.46%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Comerica Bank (FDIC cert 983) is a large bank with $79.6B in total assets and $63.9B in deposits, headquartered in Dallas, Texas. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 11.27% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.46% 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: 25.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.14% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Comerica Bank carries a composite BankHealth grade of A (80/100) 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 Bank
- Total Assets
- $79.6B
- Total Deposits
- $63.9B
- Tier 1 Capital Ratio
- 11.27%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.46%
- Liquidity Ratio
- 25.84%
- Return on Assets
- 1.14%
- Headquarters
- Dallas, Texas
- FDIC Certificate
- #983
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Comerica Bank holds a Tier 1 capital ratio of 11.27%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Comerica Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Comerica Bank shows strong financial health indicators. With $79.6B in assets and a Health Score of 80/100, 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 Bank Compares
Comerica Bank’s Health Score of 80 is 6 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 11.27% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 0.46% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.14% is in line with or above the national ROA benchmark of ~1.1%. Among 33 similarly-sized banks, the average Health Score is 77, meaning this bank ranks above its size cohort. Site-wide, Comerica Bank is 10 points above the portfolio average of 70.
Frequently Asked Questions
Comerica Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.27%, 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 Bank's Tier 1 capital ratio of 11.27% and nonperforming loan ratio of 0.46% 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 Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #983). 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 Bank holds $79.6B in total assets and $63.9B in total deposits. It is headquartered in Dallas, Texas (FDIC Certificate #983).
Comerica Bank has a Tier 1 capital ratio of 11.27%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.46%, and the return on assets is 1.14%.
Yes. Comerica Bank is FDIC-insured (Certificate #983). 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 Bank'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.