Western Alliance Bank
Phoenix, Arizona · FDIC Cert #57512
Western Alliance Bank is an FDIC-insured bank (Certificate #57512) with $80.5B in total assets and $66.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Phoenix, Arizona, the bank maintains a Tier 1 capital ratio of 11.96% (Well-Capitalized) and a nonperforming loan ratio of 1.80%. BankHealthData assigns a composite Health Grade of B (74/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Western Alliance Bank (FDIC cert 57512) is a large bank with $80.5B in total assets and $66.6B in deposits, headquartered in Phoenix, Arizona. 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 11.96% 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 normal: non-performing loan ratio of 1.80% 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: 26.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.16% 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 improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Western Alliance Bank carries a composite BankHealth grade of B (74/100) 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: Western Alliance Bank
- Total Assets
- $80.5B
- Total Deposits
- $66.6B
- Tier 1 Capital Ratio
- 11.96%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.80%
- Liquidity Ratio
- 26.45%
- Return on Assets
- 1.16%
- Headquarters
- Phoenix, Arizona
- FDIC Certificate
- #57512
- Health Grade
- B (74/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Western Alliance Bank holds a Tier 1 capital ratio of 11.96%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Western Alliance Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Western Alliance Bank shows strong financial health indicators. With $80.5B in assets and a Health Score of 74/100, 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 Western Alliance Bank Compares
Western Alliance Bank’s Health Score of 74 is 14 points above the Arizona state average of 60 across 14 FDIC-insured banks. Its 11.96% Tier 1 capital ratio is 2.0 points below the US banking industry average near 14%. The 1.80% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.16% is in line with or above the national ROA benchmark of ~1.1%. Among 32 similarly-sized banks, the average Health Score is 77, meaning this bank ranks below its size cohort. Site-wide, Western Alliance Bank is 4 points above the portfolio average of 70.
Frequently Asked Questions
Western Alliance Bank has a Bank Health Score of B (74/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.96%, 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. Western Alliance Bank's Tier 1 capital ratio of 11.96% and nonperforming loan ratio of 1.80% 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 Western Alliance Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57512). 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.
Western Alliance Bank holds $80.5B in total assets and $66.6B in total deposits. It is headquartered in Phoenix, Arizona (FDIC Certificate #57512).
Western Alliance Bank has a Tier 1 capital ratio of 11.96%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.80%, and the return on assets is 1.16%.
Yes. Western Alliance Bank is FDIC-insured (Certificate #57512). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Western Alliance 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.