# BBVA USA
BIRMINGHAM, AL · FDIC certificate 19048 · asset band $10-100B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $87.22B | |
| Deposits | $73.06B | |
| Loans and leases | $55.73B | |
| Total equity | $10.40B | |
| Loans / deposits | 74.18% (p56 of band) | 73.24% |
| Liquid assets / assets | 30.90% (p50 of band) | |
| Uninsured deposits / deposits | 47.05% (p63 of band) | 43.10% |
| Brokered deposits | 1.32% | |
| Wholesale funding | 2.93% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.89% (p66 of band) | 9.13% |
| Unrealized securities loss / equity | -0.67% (p20 of band) | 0.46% |
| AOCI / equity | -0.48% (p72 of band) | |
| ROA (annualized) | -0.56% (p1 of band) | 1.32% |
| Net interest margin | 1.14% (p7 of band) | 2.99% |
| Efficiency ratio | 60.79% (p73 of band) | |
| Noncurrent loans | 1.67% (p92 of band) | 0.48% |
| Net charge-offs (annualized) | 0.40% (p95 of band) | |
| Reserve coverage of noncurrent | 165.32% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 23.03% (p37 of band) | |
| Auto loans | $3.65B (6.55% of loans; DQ 1.74%, NCO 0.01%) | |
| Loans to nondepository financials | $891.5M (9% of equity) (p68 of band) | |
| Deposits YoY | -15.7% | |
| Employees | 8203 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 | uninsured deposits >50% | capital falling |
| 2013-06 | 2 | run vulnerability | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 | expense ratio p90 | uninsured deposits >50%, run vulnerability |
| 2014-06 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2014-09 | 2 | capital falling | uninsured deposits >50%, run vulnerability |
| 2014-12 | 2 |  |  |
| 2015-03 | 0 |  | expense ratio p90, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2016-06 | 2 |  | expense ratio p90 |
| 2016-09 | 2 | expense ratio p90 | capital falling |
| 2016-12 | 1 |  | expense ratio p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | brokered >10% |  |
| 2019-03 | 1 | charge-offs p90 | brokered >10% |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling, losing money | charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | uninsured deposits >50%, noncurrent p90 | capital falling |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 1 |  | losing money |
| 2021-06 | 4 | losing money, NIM <2.5%, noncurrent p90, charge-offs p90 | uninsured deposits >50% |
| 2021-09 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-01-08 [BBVA USA recommits to University of Alabama Athletics in new three-year exclusive sponsorship agreement - BBVA](https://news.google.com/rss/articles/CBMixwFBVV95cUxNNl9fWDNIeEtyWEJVTVdnV1phc1ZTdWNMbXIyNVdjLVVOQUphRU1CaVVMQXFnTW9MS0QyZENFbDdfSk9jaEFySUk5SUlNNnpaR3FxRUdvbnRRbE90YnlvcWdsSWJFRmpQaE41TGRNM3ZuRl93aDI3Y0kzWFQwTTlJM29aWVliZlU2Ulg0RFMwVmNzTHhRQWVteFVFSFZvMEhQc04yRXh4dFAweTFwY3BaZDlJY1BlSzZ4QUNkOEViYWpmeXNENVZr?oc=5) · BBVA
- 2020-06-29 [BBVA USA Streamlines Industry-Leading Mobile App - Business Alabama Magazine](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVVp5VG9GTmp1MTA1SEpVZm1CSDdTakJ5VGFYSGpMRVVaWVZfdFVWNFRrdklKb3h6Y3I3VTlQb0c0TVNfczRxeHp2bUNsb2JDR0xkdDFIUzM2MGFkekF4b1NBUDdJR3FCbUxHYUpNdl9FZDBjVmRQRjZsMU1BUlRQdDlNOA?oc=5) · Business Alabama Magazine
- 2019-06-10 [New day for BBVA: Bank’s global brand strategy launches - AL.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYUx2b0wydHJNNEhwbkFFRjJLOFRFTzVnYi1oelZBQmwwNll3UXEwbW9UbDZLU1c2MmtQR0xJbXREVFBoLXRsNTdFekphNTRnNnIyeTgxbllERW5kMDcySGJfazE5MzEzMWdneG9zUno1RFpEaHdubVdIQ0NQTm84REp2YnBOOGRQSVRWT0JGRkhEMzZrZXhnQnB3?oc=5) · AL.com
- 2020-11-16 [PNC to buy U.S. operations of Spanish bank BBVA for $11.6 billion - CNBC](https://news.google.com/rss/articles/CBMiigFBVV95cUxQWFJHbXd2Ykc2MUliLTZ1aWZxMXRBWmhjTHAzeVFJNTQ5SFpSZEI2VFdxSDRuOHNUYWIxYTBNQno4ZzJhQW1wQnYtajBKMmtrYUVIUWdnM1BNdUM1Njh2ZjQzb2diSlEzQ0VhZlJzUkZSZzBQbkZmdk54bEpsSUN2WVRMLWFHdW5SUGfSAY8BQVVfeXFMTW1UblBDM2diNmFrQjNMLVFOZHRWTDA5aEpoNVl1bEg5cEQ3Y0xJeVViVGluLU8ybVRjMzgyem5tbGk2enI0LVZYWTBCWFNQR0Z3YXViNFRMcGlXOENISmZkb2YzSXlJV0tnQU93N3NUZmV0NTBIckpWTzR5YUxnZjlaRlZSOTRUX2NWNkFTN1U?oc=5) · CNBC
- 2021-06-09 [Here's what the PNC, BBVA USA merger means for Birmingham and the state - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPMVpmUWhsdFVHNk83NktvNzBwQVNUNVBEZFNHRTRlTjVmNFRpenlhT2JSWWpwV3NrNkFJR204Yl9lV0MwWGVpOFVoNDVWOGJyVHQ0MlpQT01CRVFzUmkxT2piSWhLeDYwX29rZjFkMGM2SVYyYnJHVUJaQzFYdGI3cGtVV28xTk1jR1QwUXppSDhoLW5FcnRnVXl6dHRZa0l1YWc?oc=5) · The Business Journals
- 2024-11-12 [Pinnacle Financial Partners Welcomes Veteran Financial Advisor to North Alabama Office - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOeGdYdHBHbzR5NlQxNlo3XzdHVmQ0aGhuVGRmNTNrYzI1VGRJcmVsdVhISHZlNmd3RHBfaVhlcTYtaUktNktKS2hYek1Fbk13dEYxSndpUDBOTGFvNXNta2h6dEVEYklQbTRvVWw5dm9kNXZTT1VkbFg4TXNqb2czVWo4NXkzbDZVbG1zejF1WHh5Q003RzN5eG9TMWpBRzIxT20zN29HUHREanRVUDl0VGhRR3psN1hOT1B4eXJuTko?oc=5) · Pinnacle Financial Partners
- 2021-01-19 [PNC acquires BBVA in $11.6bn deal - Financier Worldwide](https://news.google.com/rss/articles/CBMidEFVX3lxTE5kblhFaEE5ZHk3NUJ3OENMSklqMlo5R1c0bGI4ZlNaRUdrbThEa2pIWE93ZjRRME1hUW9oVDd1LUpQQUZsYU5PNHkwbnZ3eXRLUmNuSDV0NmhyOTZWNVB6MlNzVHBhWUVyb0Q5VWNaRURFMDZI?oc=5) · Financier Worldwide
- 2023-12-05 [PNC Bank to close 2 branches in Alabama - The Bama Buzz](https://news.google.com/rss/articles/CBMickFVX3lxTE5ZSTNzQmMxblduTjJLOVFfZENlelpOQ0VhNlp6anc5NlF4ZG10MzF3UExVMEJ3ZGo3NkhKeU04LXN4c3MxMHE1WXFpOXhRMHo2Unh6WEs1cmJpZjV3Yy01WXFjdnVzVTRkRFdsNzZzRGZEUQ?oc=5) · The Bama Buzz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19048 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "19048", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide