Lendingclub Bank NA
Lehi, Utah · FDIC Cert #32551
Lendingclub Bank NA is an FDIC-insured bank (Certificate #32551) with $9.4B in total assets and $8.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Lehi, Utah, the bank maintains a Tier 1 capital ratio of 15.54% (Well-Capitalized) and a nonperforming loan ratio of 1.25%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Lendingclub Bank NA (FDIC cert 32551) is a mid-sized bank with $9.4B in total assets and $8.2B in deposits, based in Lehi, Utah. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 15.54% 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 normal: non-performing loan ratio of 1.25% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 39.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.68% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Lendingclub Bank NA carries a composite BankHealth grade of A (87/100) 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: Lendingclub Bank NA
- Total Assets
- $9.4B
- Total Deposits
- $8.2B
- Tier 1 Capital Ratio
- 15.54%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.25%
- Liquidity Ratio
- 39.60%
- Return on Assets
- 0.68%
- Headquarters
- Lehi, Utah
- FDIC Certificate
- #32551
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Lendingclub Bank NA holds a Tier 1 capital ratio of 15.54%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Lendingclub Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Lendingclub Bank NA shows strong financial health indicators. With $9.4B in assets and a Health Score of 87/100, 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 Lendingclub Bank NA Compares
Lendingclub Bank NA’s Health Score of 87 is 18 points above the Utah state average of 69 across 41 FDIC-insured banks. Its 15.54% Tier 1 capital ratio is 1.5 points above the US banking industry average near 14%. The 1.25% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.68% is below the national ROA benchmark of ~1.1%. Among 181 similarly-sized banks, the average Health Score is 76, meaning this bank ranks above its size cohort. Site-wide, Lendingclub Bank NA is 17 points above the portfolio average of 70.
Frequently Asked Questions
Lendingclub Bank NA has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.54%, 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. Lendingclub Bank NA's Tier 1 capital ratio of 15.54% and nonperforming loan ratio of 1.25% 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 Lendingclub Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32551). 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.
Lendingclub Bank NA holds $9.4B in total assets and $8.2B in total deposits. It is headquartered in Lehi, Utah (FDIC Certificate #32551).
Lendingclub Bank NA has a Tier 1 capital ratio of 15.54%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.25%, and the return on assets is 0.68%.
Yes. Lendingclub Bank NA is FDIC-insured (Certificate #32551). 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%).
Lendingclub Bank 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.