TellerScore

Western Alliance Bank is a state-chartered bank (fed member) headquartered in Phoenix, Arizona, in business for about 23 years. At the end of Q2 2026 it reported $98.6B in total assets and $82.3B in deposits, with 38 offices across 3 states.

Based on its Q2 2026 filing, Western Alliance Bank scores 38/100, which we describe as low. That is higher than only 5% of 132 banks with $10 billion – $100 billion. Among 12 banks headquartered in Arizona, it ranks 9th. Its strongest component is earnings (66/100; 1.16%), and its lowest is loan quality (6/100; 2.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Tier 1 leverage ratio: 8.08%
Loan quality6/100
Noncurrent loans ÷ total loans: 2.82%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 79.1% · 38.1% uninsured
Problem-loan coverage55/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 22.68%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (48 → 38), mostly because the loan quality component weakened by 30 points.

TellerScore
354249Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202449
Q4 202447
Q1 202548
Q2 202548
Q3 202547
Q4 202543
Q1 202635
Q2 202638
Tier 1 leverage ratio
5.00%6.84%8.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.21%
Q3 20247.99%
Q4 20248.24%
Q1 20258.68%
Q2 20258.62%
Q3 20258.36%
Q4 20258.25%
Q1 20268.12%
Q2 20268.08%
Noncurrent loans
1.69%2.26%2.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.80%
Q3 20241.69%
Q4 20241.88%
Q1 20251.88%
Q2 20251.92%
Q3 20252.08%
Q4 20252.41%
Q1 20262.82%
Q2 20262.82%
Return on assets
0.73%0.95%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.95%
Q4 20241.00%
Q1 20250.95%
Q2 20251.04%
Q3 20251.06%
Q4 20251.10%
Q1 20260.73%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202638$98.6B8.08%2.82%1.16%79.1%
Q1 202635$98.8B8.12%2.82%0.73%75.5%
Q4 202543$92.7B8.25%2.41%1.10%79.6%
Q3 202547$90.8B8.36%2.08%1.06%77.5%
Q2 202548$86.6B8.62%1.92%1.04%82.6%
Q1 202548$82.9B8.68%1.88%0.95%83.2%
Q4 202447$80.9B8.24%1.88%1.00%83.7%
Q3 202449$79.9B7.99%1.69%0.95%81.4%
Q2 202447$80.5B8.21%1.80%0.89%81.7%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.08%
13th
Total risk-based capital13.45%
31st
Problem loans2.82%
3rd
Net charge-offs0.83%
8th
Return on assets1.16%
40th
Net interest margin3.52%
43rd
Efficiency ratio55.7%
43rd
Loans to deposits79.1%
72nd
Uninsured deposits38.1%
53rd
Loan-loss reserves0.74%
17th
Texas ratio22.7%
2nd

Deposit insurance

Is my money safe at Western Alliance Bank?

Yes. Western Alliance Bank is an FDIC-insured institution (FDIC certificate #57512). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.1% of deposits ($31.4B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.08%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.45% (benchmark: 10%).

Check how much of your own balance is covered

38 locations

Branches

Western Alliance Bank lists 35 offices in 23 cities across 3 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 73 consumer complaints about WESTERN ALLIANCE BANCORPORATION to the company (23 in the last 12 months). 100.0% received a timely response. That is 0.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

Identity & history

Profile

Legal name
Western Alliance Bank
Former names
Alliance Bank of Arizona
Type
State-chartered bank (Fed member)
FDIC certificate #
57512
RSSD ID
3138146
Primary regulator
FED
Holding company
Western Alliance Bcorp
Established
February 3, 2003
Headquarters
1 E Washington St, Phoenix, AZ 85004
Employees
4,084

Quick answers

Western Alliance Bank: common questions

Is Western Alliance Bank FDIC insured?

Yes. Western Alliance Bank is an FDIC-insured institution (FDIC certificate #57512). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Western Alliance Bank's TellerScore?

38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Western Alliance Bank ever failed?

There is no failure record for FDIC certificate #57512 in the FDIC failed bank list.

How many branches does Western Alliance Bank have?

38 offices as of the latest FDIC data, in 3 states.

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