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Usaa Federal Savings Bank
Phoenix, AZ · FDIC Certificate #32188 · Chartered 12/3
Total assets
$106.19B
Total deposits
$91.97B
Total equity
$5.82B
Net loans
$44.32B
Branches (offices)
2
Net income (YTD)
$484.00M
Rank: #31 of 4,213 U.S. banks by assets · #1 of 12 in Arizona. Assets changed -0.3% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 17.44% |
| Net interest margin (YTD) | 5.30% |
| Equity to assets | 5.48% |
| Tier 1 leverage ratio | 9.29% |
| Uninsured deposits (share of deposits) | 5.2% |
| Noncurrent loans (share of loans) | 1.07% |
| Net charge-offs (share of loans) | 2.08% |
| Loans to deposits | 48.2% |
| Real estate loans (share of loans) | 7.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.21B | 7.2% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $42.98B | 97.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $114.53B | $106.92B | $229.00M | $4.19B |
| Jun 2023 | $109.99B | $98.69B | $0 | $2.94B |
| Jun 2024 | $111.71B | $98.09B | $57.00M | $3.72B |
| Jun 2025 | $106.48B | $92.77B | $256.00M | $4.70B |
| Jun 2026 | $106.19B | $91.97B | $484.00M | $5.82B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $91.97B | 1 |
| Arizona | $0 | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $91.97B.
Similar-sized banks
Synchrony Bank ($115.22B) · Santander Bank, N.A. ($103.96B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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