Ameriprise Bank, FSB
Ameriprise Bank, FSB reported total assets of $25.5 bn at Q2 2026, up 6.1% on a year earlier, the 85th largest of 497 banks in our US coverage. The CET1 capital ratio at Ameriprise Bank, FSB was 30.38%, and the uninsured share of Ameriprise Bank, FSB was 1.54%. Source: FDIC Call Reports.
Key takeaways
- Ameriprise Bank, FSB has one of the highest return on equity (ROE) readings among banks of $10 bn to $100 bn: 50.95% at , against a median of 10.71% across 126 banks (FDIC Call Reports).
- The efficiency ratio of Ameriprise Bank, FSB, 9.99% at , places Ameriprise Bank, FSB in the bottom tenth of banks of $10 bn to $100 bn (group median 55.14%; FDIC Call Reports).
- Among the 126 banks of $10 bn to $100 bn, few report a lower uninsured share of domestic deposits than Ameriprise Bank, FSB, at 1.54% in ; the group median is 38.56% (FDIC Call Reports).
What sets Ameriprise Bank, FSB apart
- Ameriprise Bank, FSB has one of the highest return on assets (ROA) readings among banks of $10 bn to $100 bn: 3.05% at , against a median of 1.25% across 126 banks.
- The loan-to-deposit ratio of Ameriprise Bank, FSB, 10.94% at , places Ameriprise Bank, FSB in the bottom tenth of banks of $10 bn to $100 bn (group median 85.69%).
- Among the 126 banks of $10 bn to $100 bn, few report a lower tier 1 leverage ratio than Ameriprise Bank, FSB, at 7.38% in ; the group median is 10.25%.
How large is Ameriprise Bank, FSB?
The balance sheet of Ameriprise Bank, FSB at : assets $25.5 bn, deposits $23.9 bn, net loans $2.6 bn (loans equal to 10.94% of deposits). Securities make up 78.9% of total assets at Ameriprise Bank, FSB. Since , when Ameriprise Bank, FSB held $25.1 mn, its assets grew 101,328.5%. In the year to , deposits at Ameriprise Bank, FSB rose 6.4% while its total assets rose 6.1%. At , Ameriprise Bank, FSB employed 186 full-time equivalent staff across 2 offices, about $137.0 mn of assets per employee and $12.0 bn of deposits per office.
How much funding at Ameriprise Bank, FSB is uninsured?
At Ameriprise Bank, FSB, uninsured deposits (above the FDIC limit) made up 1.54% of domestic deposits at (+0.04 pp on a year earlier); Ameriprise Bank, FSB ranks 494th of 500 on this measure. In dollars, Ameriprise Bank, FSB estimated $368.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $23.9 bn | +6.4% | 76th of 499 |
| Net loans and leases | $2.6 bn | +72.2% | 353rd of 500 |
| Loan-to-deposit ratio | 10.94% | +4.18 pp | 494th of 500 |
| Tier 1 leverage ratio | 7.38% | -0.24 pp | 490th of 500 |
| Total risk-based capital ratio | 30.57% | -4.53 pp | 15th of 448 |
| Net interest margin | 4.44% | -0.06 pp | 70th of 500 |
| Return on assets (ROA) | 3.05% | -0.05 pp | 13th of 500 |
| Efficiency ratio | 9.99% | +0.30 pp | 2nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $520.4 mn | Widened by $6.8 mn | |
| Noncurrent loans to total loans | 0.18% | +0.02 pp | 59th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | -0.10 pp | 289th of 500 (1 = lowest) |
US rank of Ameriprise Bank, FSB: 1 = highest unless marked 1 = lowest.
Balance sheet
Ameriprise Bank, FSB: assets, deposits and loans
- Total assets $25.5bn
- Deposits $23.9bn
- Net loans $2.6bn
Capital and securities
The CET1 ratio of Ameriprise Bank, FSB stood at 30.38% in , -4.52 pp year on year. Low and high at Ameriprise Bank, FSB since : 11.58% () to 388.91% (). Equity capital of Ameriprise Bank, FSB at : $1.5 bn, or 5.8% of total assets. Ameriprise Bank, FSB also reported a total capital ratio of 30.57% for , and a tier 1 leverage ratio of 7.38%.
The available-for-sale portfolio of Ameriprise Bank, FSB showed an unrealized loss of $520.4 mn at ; the loss widened by $6.8 mn over the year.
Ameriprise Bank, FSB: capital ratios
- Total capital 31%
- CET1 30%
- Tier 1 leverage 7.4%
Ameriprise Bank, FSB: unrealized securities gains and losses
- Available for sale -$520mn
- Held to maturity $0
Profitability and loan quality
For the year to , Ameriprise Bank, FSB earned a return on equity of 50.95%; return on assets: 3.05%. Net interest margin at Ameriprise Bank, FSB: 4.44%, -0.06 pp in a year. Ameriprise Bank, FSB net income: $388.4 mn, up 4.7% year on year. The efficiency ratio of Ameriprise Bank, FSB was 9.99%: about 10 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.18% of total loans at Ameriprise Bank, FSB; net charge-offs: 0.12% of average loans. Gross loans and leases at Ameriprise Bank, FSB: $2.6 bn, up 71.8% in a year.
Ameriprise Bank, FSB: profitability
- Return on equity 51%
- Net interest margin 4.4%
- Return on assets 3.1%
Peer group of Ameriprise Bank, FSB
The peer group of Ameriprise Bank, FSB is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Ameriprise Bank, FSB (federal savings bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Minnesota. Against them, Ameriprise Bank, FSB shows CET1 ratio 30.38% against a peer median of 13.77%, return on equity 50.95% against a peer median of 10.12% and uninsured deposit share 1.54% against a peer median of 40.36%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Customers Bank | State member bank | PA | $26.5 bn | 13.55% | 13.06% | 44.28% | |
| First Interstate Bank | State member bank | MT | $25.8 bn | 14.32% | 9.61% | 36.43% | |
| Provident Bank | State-chartered stock savings bank | NJ | $25.7 bn | 12.10% | 10.63% | 54.14% | |
| Ameriprise Bank, FSB | Federal savings bank | MN | $25.5 bn | 30.38% | 50.95% | 1.54% | |
| Rockland Trust Company | State nonmember bank | MA | $25.0 bn | 14.85% | 9.05% | 33.49% | |
| Simmons Bank | State member bank | AR | $24.7 bn | 10.44% | 9.24% | 36.19% | |
| Cathay Bank | State nonmember bank | CA | $24.6 bn | 13.98% | 12.26% | 49.81% | |
. FDIC Call Reports.
Last eight quarters
Two years at Ameriprise Bank, FSB, to : assets +9.8%, deposits +10.2%, equity +8.3%. Staff 160 to 186.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $23.2 bn | $23.6 bn | $24.2 bn | $24.0 bn | $24.3 bn | $25.3 bn | $25.5 bn | $25.5 bn |
| Total deposits | $21.7 bn | $22.3 bn | $22.7 bn | $22.5 bn | $22.6 bn | $23.7 bn | $23.8 bn | $23.9 bn |
| Bank equity capital | $1.4 bn | $1.1 bn | $1.4 bn | $1.5 bn | $1.6 bn | $1.6 bn | $1.5 bn | $1.5 bn |
| CET1 ratio | 35.55% | 33.88% | 33.44% | 34.90% | 35.27% | 32.63% | 31.18% | 30.38% |
| Return on equity (ROE) | 64.79% | 64.19% | 58.39% | 56.22% | 53.64% | 52.44% | 50.40% | 50.95% |
| Uninsured share of domestic deposits | 1.44% | 1.31% | 1.38% | 1.50% | 1.44% | 1.28% | 1.54% | 1.54% |
| Full-time equivalent employees | 160 | 162 | 160 | 165 | 167 | 177 | 183 | 186 |
| Number of offices | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Ameriprise Bank, FSB
- Total assets at Ameriprise Bank, FSB changed by +9770.4% in the quarter to 2019-06-30, with no FDIC structure event in that quarter.
- Total assets at Ameriprise Bank, FSB changed by +46.3% in the quarter to 2019-12-31, with no FDIC structure event in that quarter.
- Total assets at Ameriprise Bank, FSB changed by +61.2% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Ameriprise Bank, FSB?
Ameriprise Bank, FSB reported $25.5 bn at in its Call Report. That makes Ameriprise Bank, FSB the 85th largest of 497 banks in our US coverage.
Is Ameriprise Bank, FSB the same as its holding company?
No. This page covers Ameriprise Bank, FSB, FDIC certificate 58303; AMERIPRISE FINANCIAL INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Ameriprise Bank, FSB profitable?
Ameriprise Bank, FSB reported net income of $388.4 mn for the year to ; annualized return on equity: 50.95%. So yes: Ameriprise Bank, FSB made a profit over these months.
When is data for Ameriprise Bank, FSB next updated?
Figures from Ameriprise Bank, FSB for are due after .
Where can I check the figures for Ameriprise Bank, FSB?
In the FDIC BankFind Suite record for certificate 58303, and in the Call Reports of Ameriprise Bank, FSB (RSSD ID 3470239) at the FFIEC Central Data Repository.