# E*TRADE BANK
ARLINGTON, VA · FDIC certificate 30746 · asset band $10-100B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $79.13B | |
| Deposits | $72.10B | |
| Loans and leases | $25.90B | |
| Total equity | $6.87B | |
| Loans / deposits | 35.93% (p9 of band) | 71.65% |
| Liquid assets / assets | 65.98% (p92 of band) | |
| Uninsured deposits / deposits | 17.51% (p16 of band) | 44.19% |
| Brokered deposits | 4.99% | |
| Wholesale funding | 4.99% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.00% (p26 of band) | 8.99% |
| Unrealized securities loss / equity | -14.09% (p1 of band) | -0.46% |
| AOCI / equity | -2.16% (p40 of band) | |
| ROA (annualized) | 0.24% (p5 of band) | 1.28% |
| Net interest margin | 1.08% (p7 of band) | 2.93% |
| Efficiency ratio | 70.28% (p94 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.47% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p5 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p15 of band) | |
| Deposits YoY | 31.7% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | capital falling, charge-offs p90 |  |
| 2012-06 | 4 |  | capital falling |
| 2012-09 | 3 |  | charge-offs p90 |
| 2012-12 | 4 | noncurrent p90 |  |
| 2013-03 | 7 | NIM <2.5%, deposits shrinking, assets shrinking |  |
| 2013-06 | 7 |  |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 5 |  | deposits shrinking, assets shrinking |
| 2014-03 | 4 |  | NIM <2.5% |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 5 | NIM <2.5% |  |
| 2015-06 | 6 | capital falling |  |
| 2015-09 | 9 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2015-12 | 8 |  | capital falling |
| 2016-03 | 6 |  | NIM <2.5%, expense ratio p90 |
| 2016-06 | 7 | capital falling |  |
| 2016-09 | 4 |  | deposits shrinking, assets shrinking, capital falling |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | capital falling |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | capital falling |
| 2018-06 | 4 |  |  |
| 2018-09 | 6 | capital falling, securities losses >30% of equity |  |
| 2018-12 | 5 |  | securities losses >30% of equity |
| 2019-03 | 4 |  | capital falling |
| 2019-06 | 6 | deposits shrinking, assets shrinking |  |
| 2019-09 | 6 |  |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 | NIM <2.5% | assets shrinking |
| 2020-06 | 5 |  | deposits shrinking |
| 2020-09 | 6 | capital falling |  |
| 2020-12 | 6 | expense ratio p90 | capital falling |
| 2021-03 | 4 |  | noncurrent p90, expense ratio p90 |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | expense ratio p90 |  |
| 2021-12 | 3 |  | brokered >10%, wholesale funding >15% |

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

- 2023-06-27 [ETRADE Study Reveals Boost Among Millennial and Gen Z Investors - Morgan Stanley](https://news.google.com/rss/articles/CBMirAFBVV95cUxQcFVFUFdZTXdEMjItNWwtdkVXUE1JQ0tvcXhkajJaTmZ1b1ZMTWFZNjRMcWFZTnlLMWtjZzZWUnJRRTBubFQwQU5qdUhuNlVzTHNabTJNTWJ2a1R4cHJDWDFQNFFnQ2RkZExHc3M2bkJYNHpjSEE5b0kxRl9GU3prZmM1Q1FBM1dqa1dLSDIwMi0zQms1SDlwVUpmaHJ3dFdhajRhd04zV3NZbnVZ?oc=5) · Morgan Stanley
- 2021-12-20 [Amid Year-End Market Volatility, E*TRADE Study Reveals Spike in Investor Satisfaction With Investment Decisions - Morgan Stanley](https://news.google.com/rss/articles/CBMirgFBVV95cUxObThtZUxaX3FtTGd3UExxVjJpNVZWRzl1RkQwWktxalMtMU5ReG9XdjFnUFJkMlNrRHg1bmVILVlfVmw3WElVZzcyX3IyNDV3RU9TYzgzRC1hM25LMm55Ti1TV2tTbHVkWjZITnBFY1hXcHRSeldSQmRtd2dfUzdsU19qbDZVQ2syWEU4X0dZckZ1Zk9adTVnSGpVTHZlQmV4blgtUkxXZk9VbFVPOVE?oc=5) · Morgan Stanley
- 2026-09-03 [12 Best Banks for CD Rates for September 2026 - money.com](https://news.google.com/rss/articles/CBMiR0FVX3lxTE5pLXRLal84VF9sRll4Y1Zvekd2eEVUX2pNNU1Gc1dCaDRtTFZqMXk2VUw0bzNBelhHczUyVnlKZzRqcEZ1QVVB?oc=5) · money.com
- 2022-07-22 [GSEs bolster diversity with senior hires - HousingWire](https://news.google.com/rss/articles/CBMihAFBVV95cUxNeDhxSmkzQ1hSZEk0NE52X3VBcGV2YmR2ODF2aHZQRFowdU9SdFN3cnFjQW02MlAtZ1hYYUtEdFFhQUlmaUs0cllUZzZ3VXU2bnNuX204a2wxeW16dV9VVDg3dFc1TEd1enpQcmtWX3czOXI3QXR1SXg1NkhGYzJLVGd2YWo?oc=5) · HousingWire
- 2025-12-17 [E*TRADE Core Portfolios Review 2026: Pros, Cons and How It Compares - NerdWallet](https://news.google.com/rss/articles/CBMidkFVX3lxTE1VUU9Pd3VaazNkT0VDU1lSWERJWGpSNnprZWo0ZTBzV3QtcVJEemFKSmIzWFVOaEdLQ3V5U3p0NFlJQXlISF8zbHVHQU1lb1JLYUlXTVV6aDlod00xNjlRS0Ntc1VTcGQzVVcyRXNxTk9zY09YbWc?oc=5) · NerdWallet
- 2021-03-21 [Mark Manalo Obituary - Falls Church, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOakh5Uks0VDVTOFJOU3AxRkhScW9VaEJhWlZYb2ItQjh0OHZkQTl1S0tiNUpETEZQMU15U1JXQWhvSDFzRFo2elI2RVZ0SFRUYkJWTHZXckFoRWJSUXBQdWt2MzB3ejdGajk4aVFCV3lyMlNyY1hNU0RmTXF3Z21LT3ZCQWE3QQ?oc=5) · Dignity Memorial
- 2012-01-17 [What ex-E*TRADE CEO Mitchell Caplan says emboldened him to lead an $83 million management coup of Jefferson National - RIABiz](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPd2VReDBpd0hwSVhPa3o1RXZVMEdEdERTak9uWEJWNDlfNVJFaGFldThsdWZMWDBSZGhpLW1xYmZLVVBiVXlhOFhsSVVYdFZrLTlEaHlDYzNmakcwZjNrbjJsbUEyMU1lNS1GcUpJX0tMRlFnS1M0TUlaSGFwZmtGQnNmY3V4UDhSYXU5MEZIcmctS2g5c0U2N1RvOHg4dEVyXzk4YlBYcVJTQWFpVTNKY3c5QURoTS1NRFhuaUs5ZXBDUnltdXlqYWx0akp5MXVWVHYzUGdyWHBIcDRrNGc?oc=5) · RIABiz
- 2022-07-22 [Freddie Mac Names Dennis Hermonstyne Jr., as Senior Vice President - citybiz](https://news.google.com/rss/articles/CBMipgFBVV95cUxQUWdWNUVtaHdqYThobDRXX0lFNklpUnhpOWNyMkVjZE5fOE5qU1BibkNfdHdwbXJDX3JGUGl5NHdWTnVmdWoxNU1aNHVJZGNlVWdPSXg0VUlmcFZPTUFyMmZMWEFFMkJ6TG5hTkphamFwcUR5SUtjcWFuT2djMVltUjFqeHVwRFMtQUFJTFMyQ09XY1prTUlNekRJRGt5MVlHQkVTeUFn?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30746 (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/26.json (key "30746", 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