Transportation Alliance Bk D
Ogden, Utah · FDIC Cert #34781
Transportation Alliance Bk D is an FDIC-insured bank (Certificate #34781) with $1.6B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Ogden, Utah, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 1.55%. BankHealthData assigns a composite Health Grade of D (35/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Transportation Alliance Bk D (FDIC cert 34781) is a mid-sized bank with $1.6B in total assets and $1.3B in deposits, based in Ogden, Utah. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 1.55% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 16.5% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.21% 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 declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Transportation Alliance Bk D carries a composite BankHealth grade of D (35/100) 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: Transportation Alliance Bk D
- Total Assets
- $1.6B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 1.55%
- Liquidity Ratio
- 16.54%
- Return on Assets
- 0.21%
- Headquarters
- Ogden, Utah
- FDIC Certificate
- #34781
- Health Grade
- D (35/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Transportation Alliance Bk D holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Transportation Alliance Bk D to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Transportation Alliance Bk D shows some financial weakness with a Health Score of 35/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 Transportation Alliance Bk D Compares
Transportation Alliance Bk D’s Health Score of 35 is 34 points below the Utah state average of 69 across 41 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 1.55% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.21% is below the national ROA benchmark of ~1.1%. Among 762 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Transportation Alliance Bk D is 35 points below the portfolio average of 70.
Frequently Asked Questions
Transportation Alliance Bk D has a Bank Health Score of D (35/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below 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. Transportation Alliance Bk D's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 1.55% indicate an elevated 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 Transportation Alliance Bk D is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34781). 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.
Transportation Alliance Bk D holds $1.6B in total assets and $1.3B in total deposits. It is headquartered in Ogden, Utah (FDIC Certificate #34781).
Transportation Alliance Bk D has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.55%, and the return on assets is 0.21%.
Yes. Transportation Alliance Bk D is FDIC-insured (Certificate #34781). 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 D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Transportation Alliance Bk D shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.