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
| Peer group | Banks | Latest quarter |
|---|---|---|
| All U.S. Call Report Filers | 4296 | 2026Q2 |
By asset size
| Peer group | Banks | Latest quarter |
|---|---|---|
| U.S. Banks with $100M-$300M in Assets | 1224 | 2026Q2 |
| U.S. Banks with $10B-$100B in Assets | 127 | 2026Q2 |
| U.S. Banks with $1B-$10B in Assets | 895 | 2026Q2 |
| U.S. Banks with $300M-$1B in Assets | 1435 | 2026Q2 |
| U.S. Banks over $100B in Assets | 32 | 2026Q2 |
| U.S. Banks under $100M in Assets | 583 | 2026Q2 |
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.
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