Tiaa Trust N.A.
Charlotte, NC·RSSD 5859511·FDIC 59344·bank:5859511·Risk-based ratios where reported
- #27 of 39Total assets in North Carolina
- 1offices
- Top 1%Fee income vs. peers
- Top 1%Return on assets in the U.S.
Performance over time
12 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Portfolio detail unavailable
This source does not provide mapped loan categories for this filing.
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Tiaa Trust N.A.
4 of 14 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Return on assets falling while the peer median risesWorth a look: Earnings 2nd quarter4.56%peers 1.26%+330 bps
Tiaa Trust N.A.'s annualized return on assets fell 3539 bps over the past year to 4.56%. Among 1222 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 4.56% | 1.26% | +330 bps |
| 12-month change | ||
| -3539 bps | +14 bps | -3552 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Tiaa Trust N.A. itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter82.5%peers 63.2%+19.2 pp
Tiaa Trust N.A.'s efficiency ratio rose 14.6 percentage points over the past year to 82.5%. Among 1216 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 82.5% | 63.2% | +19.2 pp |
| 12-month change | ||
| +14.6 pp | -2.1 pp | +16.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Tiaa Trust N.A. itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter32.00%peers 0.36%+3164 bps
Tiaa Trust N.A.'s noninterest income relative to average assets was 32.00%, compared with a median of 0.36% among 1223 similar banks: higher than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 32.00% | 0.36% | +3164 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Tiaa Trust N.A. itself is left out of every peer median and percentile. How signals work
1 more observation
- Net interest margin narrowing while the peer median widensEarnings
Key facts
- Tiaa Trust N.A. is a bank headquartered in Charlotte, North Carolina. It reported $241 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $0, and loans totaled $0.
- Its net interest margin was 2.89% and its annualized return on assets was 4.56% for the quarter.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Tiaa Trust N.A.'s own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Tiaa Trust N.A. · Bank
- Federal Reserve RSSD
- 5859511
- FDIC certificate
- 59344
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Tiaa Trust N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.73M | — | |
| $1.64M | — | |
| $0 | — | |
| $1.64M | — | |
| $19.13M | — | |
| $17.13M | — | |
| $0 | — | |
| $0 | — | |
| 4.56% | 4.54%ROAQ · Quarter | |
| 2.89% | 2.89%NIMYQ · Quarter | |
| 82.45% | 82.45%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.