US Bank Benchmarks — FFIEC Call Report Data

Percentile distributions of the core banking metrics across every US bank that files a quarterly Call Report, by asset-size peer group and by state, back to 2001. Every figure is computed in the database from the FFIEC Call Report bulk files — with population, methodology and evidence links on each page.

All filers

By asset size

By state

Metrics

• Total Assets — Total assets as reported at the quarter end (Call Report item 2170), a point-in-time balance.
• Total Deposits — Total deposits as reported at the quarter end (Call Report item 2200), a point-in-time balance.
• Total Loans and Leases — Total loans and lease financing receivables at the quarter end (Call Report item 2122), a point-in-time balance.
• Net Income (year to date) — Net income as reported year to date (Call Report item RIAD4340). Call Report income statements are cumulative within the calendar year: a Q2 figure covers six months, a Q4 figure twelve. Not annualized — every institution in a quarter shares the same window, so the percentiles are comparable.
• Equity Capital / Total Assets — Bank equity capital (item 3210) divided by total assets (item 2170), both at the quarter end.
• Loans / Deposits — Total loans and leases (item 2122) divided by total deposits (item 2200), both at the quarter end.
• Loan Loss Reserve / Loans — Allowance for loan and lease losses (item 3123) divided by total loans and leases (item 2122), both at the quarter end. This is the reserve a bank has already set aside — it is NOT a realized loss rate and NOT a non-performing loan ratio.
• Return on Assets (annualized) — Year-to-date net income (RIAD4340), annualized by multiplying with 4 / quarter number, divided by total assets at the quarter end (item 2170).
• Return on Equity (annualized) — Year-to-date net income (RIAD4340), annualized by multiplying with 4 / quarter number, divided by bank equity capital at the quarter end (item 3210).
• Net Interest Income / Assets (annualized) — Year-to-date net interest income (RIAD4074), annualized by multiplying with 4 / quarter number, divided by total assets at the quarter end (item 2170). Reported on total assets, not on average earning assets — it is therefore slightly below the classic net interest margin and is labelled accordingly.
• Efficiency Ratio — Year-to-date noninterest expense (RIAD4093) divided by the sum of year-to-date net interest income (RIAD4074) and noninterest income (RIAD4079). Both sides cover the same window, so no annualization is applied. Lower is better.

Source: FFIEC Call Reports (public domain). See also industry benchmarks from SEC filings.