# USAA SAVINGS BANK
LAS VEGAS, NV · FDIC certificate 34351 · asset band $1-10B · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $2.62B | |
| Deposits | $157.0M | |
| Loans and leases | $0 | |
| Total equity | $797.8M | |
| Loans / deposits | 0.00% (p1 of band) | 86.20% |
| Liquid assets / assets | 76.73% (p99 of band) | |
| Uninsured deposits / deposits | 6.59% (p3 of band) | 29.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p4 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 35.76% (p99 of band) | 10.04% |
| Unrealized securities loss / equity | -6.74% (p77 of band) | -16.29% |
| AOCI / equity | -0.29% (p54 of band) | |
| ROA (annualized) | 11.18% (p99 of band) | 0.90% |
| Net interest margin | 4.03% (p85 of band) | 3.12% |
| Efficiency ratio | 68.23% (p55 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 4 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, charge-offs p90 |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 6 | brokered >10%, capital falling, deposits shrinking, assets shrinking | loans exceed deposits, liquid assets <10% |
| 2014-03 | 5 | NIM <2.5% | charge-offs p90, capital falling |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 | capital falling | assets shrinking |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 |  | capital falling |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 | uninsured deposits leaving | wholesale funding >15% |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | capital falling |  |
| 2018-06 | 3 |  | brokered >10%, capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | assets shrinking |  |
| 2019-03 | 3 |  | assets shrinking |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 | brokered >10% | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 3 | deposits shrinking, assets shrinking | brokered >10% |
| 2020-09 | 4 | expense ratio p90 |  |
| 2020-12 | 4 | uninsured deposits leaving | assets shrinking |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | expense ratio p90 |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | uninsured deposits leaving |
| 2022-03 | 3 | uninsured deposits leaving |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | NIM <2.5% |
| 2023-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |

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

- 2017-12-28 [Industrial Loan Companies/Banks and the Separation of Banking and Commerce: Legislative and Regulatory Perspectives - everycrsreport.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1ONzVINWtfNnlIbVhDeE1PNG9mUkNLTDhKOWxBRS1ONUlSZ0pSUUdReGppSEdKeERIVVdIemFBQzBsTFRFTGFGX09tLUFBZlBjRWhpVDMwWlBmUmxnS0VNZA?oc=5) · everycrsreport.com
- 2022-06-02 [$64.2M USAA settlement receives initial approval - Top Class Actions](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOMUx3NGVjQVhhRktNekVRdTRiU3pYak1wd3Z4YWdDd0xsdHhFRlNiVFExX1RiWnhpa3RJS3F3aWhDNGYtaHo1UUotV25vWjdTeWF0Zk96cGRaRUJleXE2V0JWd1NILW1ETDFESktPaVdqRldlRTg5UktBLWJnRllqMHhENXRTVGpuc0c4dzRkOEJMSkZkQ0U2THNDcktyNzVwZU1QNHJ6dW9PYndzWUFYM3Q0ODhUU01hVVNQeVpNWF9wbWhaMjRmMjhPYXdTbGFibHZNc3ZGWGRMUQ?oc=5) · Top Class Actions
- 2016-05-12 [Father helped by killed son's classmates - ktnv.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE1EcEYydkI0b0twYjVLdVd1LTlkTW14VVZuM1N5Y1hmZXp0cHZrZlljYWp0LUNuUTNlUlhGRU5UMjF4c01HbHU5UlY0S0VOVV93MXhmS09aNVI2SDFOOERBdXhBN1Ewd3p6dkNHSFJUbGJDNkU?oc=5) · ktnv.com
- 2022-10-12 [GBank Financial Holdings Inc. Appoints David J. Fersdahl as EVP/Card & Payments - marketscreener.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOS1draWVleGdxRzdkZHhJV18zRUJWNnJPVHdqTWNaMGQ4SHJzOFhHT3JsX29kTEhwXzNjWHIyai1sdm1DTFFpYmhkUG1OaDAwVlQ1SzNTNXR0dlJLdnpsd1ZIcE5ackUyUDdYMW9VV25pTktaMmc4R0xrdklfWEtrYWwxczZtdE92NnhTX0xMVEY4WUlWN29TQmRpeE1iamFMeTFDa3dXX1ZpN0ctWU5QRUdSWDdyWWxpYmtWS2dZWjF6X1VQb3NsVmFGVGZvQXhiOGZIaHdHMU04NTdqOTdlTl81QlVEVmx4eE03TUpFb3piTE1mclZZTVkzcklQdw?oc=5) · marketscreener.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34351 (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/47.json (key "34351", 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