Western Alliance Trust Co NA
Phoenix, Arizona · FDIC Cert #57288
Western Alliance Trust Co NA is an FDIC-insured bank (Certificate #57288) with $51M in total assets and $0 in total deposits as of the Q2 2024 Call Report. Headquartered in Phoenix, Arizona, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of C (55/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Western Alliance Trust Co NA (FDIC cert 57288) is a community bank — $51M in total assets, $0 in deposits, serving the Phoenix, Arizona area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
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 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: 72.5% 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 negative: ROA of -11.73% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Western Alliance Trust Co NA carries a composite BankHealth grade of C (55/100) 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 Trust Co NA
- Total Assets
- $51M
- Total Deposits
- $0
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 72.51%
- Return on Assets
- -11.73%
- Headquarters
- Phoenix, Arizona
- FDIC Certificate
- #57288
- Health Grade
- C (55/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Western Alliance Trust Co NA holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Western Alliance Trust Co NA to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Western Alliance Trust Co NA shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Trust Co NA Compares
Western Alliance Trust Co NA’s Health Score of 55 is 5 points below the Arizona state average of 60 across 14 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below 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 -11.73% is below the national ROA benchmark of ~1.1%. Among 568 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Western Alliance Trust Co NA is 15 points below the portfolio average of 70.
Frequently Asked Questions
Western Alliance Trust Co NA has a Bank Health Score of C (55/100), placing it in average financial health. 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. Western Alliance Trust Co NA's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% indicate an average 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 Trust Co NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57288). 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 Trust Co NA holds $51M in total assets and $0 in total deposits. It is headquartered in Phoenix, Arizona (FDIC Certificate #57288).
Western Alliance Trust Co NA 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 0.00%, and the return on assets is -11.73%.
Yes. Western Alliance Trust Co NA is FDIC-insured (Certificate #57288). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Western Alliance Trust Co NA's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.