BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.50 · Lowest in dataset 0.09
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: HIGH · n=1,661 complaints over 14 years
Customer ratio
1 in 2,208
customers filed a federal complaint
Resolved with relief
5%
received monetary or non-monetary relief
Daily volume
0.3
complaints per day · 2011–2025 average
5.3× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 0.9× the sector median.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Mortgages
0.34/1k
1,263
Checking & savings
0.07/1k
271
Money transfers
0.01/1k
32
5 nearest rates in scored dataset
0.40/1k
0.41/1k
0.42/1k
0.45/1k
0.48/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
Sample size sits below the confidence-tier threshold for normalised scoring.
CFPB complaint volume on file for this institution is below the threshold ComplaintRate methodology uses for confidence-tiered scoring — the Directional confidence tier captures institutions whose sample size is too thin for a reliable per-1,000-customer rate. Position against scored peers shown above is directional only. Sub-signal observations (timely response, enforcement record, complaint category distribution) remain on the federal record and render below where data is present.
FULL RECORD
Complaint Profile
Rate / 1,000 customers0.45/1k
Total complaints (2011–2025)1,661
Year-on-year change+29%worsening
Timely response rate97.4%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.03%✓ healthy
Tier 1 capital ratio12.4%✓ adequate buffer
Loan loss reserve ratio0.80%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
24%
19%
13%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Institution Status
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›