Tiaa Trust National Assn
Charlotte, North Carolina · FDIC Cert #59344
This is the FDIC profile for Tiaa Trust National Assn, an FDIC-insured bank (Certificate #59344) with $250M in total assets and $0 in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Charlotte, North Carolina, the bank maintains a Tier 1 capital ratio of 89.83% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (100/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Tiaa Trust National Assn (FDIC cert 59344) is a community bank — $250M in total assets, $0 in deposits, serving the Charlotte, North Carolina 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 89.83% 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: 85.7% 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 41.25% 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. Tiaa Trust National Assn 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: Tiaa Trust National Assn
- Total Assets
- $250M
- Total Deposits
- $0
- Tier 1 Capital Ratio
- 89.83%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 85.68%
- Return on Assets
- 41.25%
- Headquarters
- Charlotte, North Carolina
- FDIC Certificate
- #59344
- Health Grade
- A (100/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Tiaa Trust National Assn files quarterly Call Reports with the FDIC under Certificate #59344. 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, Tiaa Trust National Assn holds a Tier 1 capital ratio of 89.83%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Tiaa Trust National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Tiaa Trust National Assn shows strong financial health indicators. With $250M 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 Tiaa Trust National Assn Compares
Tiaa Trust National Assn’s Health Score of 100 is 18 points above the North Carolina state average of 82 across 36 FDIC-insured banks. Its 89.83% Tier 1 capital ratio is 75.8 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 41.25% is in line with or above the national ROA benchmark of ~1.1%. Among 1585 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, Tiaa Trust National Assn is 20 points above the portfolio average of 80.
Frequently Asked Questions
Tiaa Trust National Assn 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 89.83%, 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. Tiaa Trust National Assn's Tier 1 capital ratio of 89.83% 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 Tiaa Trust National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #59344). 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.
Tiaa Trust National Assn holds $250M in total assets and $0 in total deposits. It is headquartered in Charlotte, North Carolina (FDIC Certificate #59344).
Tiaa Trust National Assn's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #59344 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Tiaa Trust National Assn has a Tier 1 capital ratio of 89.83%, 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 41.25%.
Yes. Tiaa Trust National Assn is FDIC-insured (Certificate #59344). 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%).
Tiaa Trust National Assn'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.