Lending & concentration · Versioned metric research
Loan-to-asset ratio
Loan-to-asset ratio, derived from LNLSNET / ASSET. Open official FFIEC instructions ↗
In plain English
Loan-to-asset ratio: what it shows
Net loans and leases divided by total assets: the share of the balance sheet that is lent out.
Where reporting institutions stand now
As of Q2 2026, 1,067 banks reported a verified value for loan-to-asset ratio. The median was 72.3%, the middle half of them fell between 64.0% and 78.4%, and the range from the 10th to the 90th percentile ran 52.4% to 82.9%.
Why it matters
Loans usually earn more than securities and cash but are less liquid and carry credit risk, so the share shows the bank's balance between earning and liquidity.
How to read it
Compare with banks of similar size, and read it with the securities and liquid asset ratios.
What to watch for
Net loans are after the allowance for credit losses, so reserve builds lower the ratio slightly.
Common questions
- Is a higher value better?
- Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.
- How often does this metric update?
- Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.
Calculation contract
LNLSNET / ASSET
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2016-01-01 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 1067 banks' reported loan-to-asset ratio values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.
Accessible line chart
Loan-to-asset ratio — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2026-03-31 | 72.271 percent | No marker | None |
| 2026-06-30 | 72.341 percent | No marker | None |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.
Historical distribution
Loan-to-asset ratio across covered banks
Median with interquartile and P10–P90 ranges across verified observations.
View distribution data as a table
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1,067 | 52.43% | 64.01% | 72.34% | 78.36% | 82.94% |
| 2026-03-31 | 1,065 | 52.24% | 63.42% | 72.27% | 77.80% | 82.44% |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.
Current distribution
Percentile history
Percentiles exclude unavailable values; they do not convert missing observations to zero.
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1067 | 52.43% | 64.01% | 72.34% | 78.36% | 82.94% |
| 2026-03-31 | 1065 | 52.24% | 63.42% | 72.27% | 77.80% | 82.44% |
Institution drilldown
Highest reported values
- #1JOHN DEERE FINANCIAL FSB99.40%
- #2BANK OF CHINA98.37%
- #3FINANCIAL FEDERAL BANK95.50%
- #4STATE BANK OF INDIA94.32%
- #5INDUSTRIAL&COMMERCIAL BK CHI94.16%
- #6FIRST BANK OF THE LAKE92.49%
- #7AMERICAN STATE BANK92.30%
- #8STRIDE BANK NATIONAL ASSN92.05%
- #9FIRST NB OF AMERICA91.05%
- #10NORTHEAST COMMUNITY BANK90.62%
Institution drilldown
Lowest reported values
- #1058WELLS FARGO TRUST CO NA0.00%
- #1058BANK OF NY MELLON TR CO NA0.00%
- #1058FIRST AMERICAN TRUST FSB0.00%
- #1058BLACKROCK INSTL TR CO NA0.00%
- #1058U S BANK TRUST CO NA0.00%
- #1058COMPUTERSHARE TRUST CO NA0.00%
- #1058GREENE CNTY COMMERCIAL BANK0.00%
- #1058CHARLES SCHWAB TRUST BANK0.00%
- #1058ANCHORAGE DIGITAL BANK NA0.00%
- #1058DEPOSITORY TRUST CO0.00%
Institution discovery
Search verified rankings by quarter
1,067 matched institutions · selected period 2026-06-30
| Rank | Institution | FDIC | Value | Percentile |
|---|---|---|---|---|
| #1 | JOHN DEERE FINANCIAL FSB | 35237 | 99.40% | P100 |
| #2 | BANK OF CHINA | 58339 | 98.37% | P100 |
| #3 | FINANCIAL FEDERAL BANK | 31840 | 95.50% | P100 |
| #4 | STATE BANK OF INDIA | 33664 | 94.32% | P100 |
| #5 | INDUSTRIAL&COMMERCIAL BK CHI | 24387 | 94.16% | P100 |
| #6 | FIRST BANK OF THE LAKE | 26960 | 92.49% | P100 |
| #7 | AMERICAN STATE BANK | 228 | 92.30% | P99 |
| #8 | STRIDE BANK NATIONAL ASSN | 4091 | 92.05% | P99 |
| #9 | FIRST NB OF AMERICA | 17438 | 91.05% | P99 |
| #10 | NORTHEAST COMMUNITY BANK | 29147 | 90.62% | P99 |
| #11 | BANK OF BIRD-IN-HAND | 59074 | 90.62% | P99 |
| #12 | MEDALLION BANK | 57449 | 90.13% | P99 |
| #13 | NORTHPOINTE BANK | 34953 | 90.08% | P99 |
| #14 | THIRD FS&LA OF CLEVELAND | 30012 | 89.67% | P99 |
| #15 | FEDERAL SAVINGS BANK | 35518 | 89.06% | P99 |
| #16 | WESTERN STATE BANK | 9123 | 89.00% | P99 |
| #17 | INTERBANK | 27210 | 88.35% | P98 |
| #18 | METRO CITY BANK | 58181 | 88.11% | P98 |
| #19 | GREAT MIDWEST BANK SSB | 29657 | 88.08% | P98 |
| #20 | MASPETH FS&LA | 30303 | 87.99% | P98 |
| #21 | BANK OF WASHINGTON | 12627 | 87.89% | P98 |
| #22 | UNIVERSITY BANK | 14587 | 87.76% | P98 |
| #23 | UNION SAVINGS BANK | 32296 | 87.70% | P98 |
| #24 | BLUE FOUNDRY BANK | 30052 | 87.48% | P98 |
| #25 | CITIZENS NB OF TEXAS | 5574 | 87.25% | P98 |
| #26 | PEOPLES NATIONAL BANK N A | 3809 | 87.21% | P98 |
| #27 | STORY BK DBA STORY FINL PART | 57069 | 87.14% | P98 |
| #28 | MEREDITH VILLAGE SB | 17180 | 87.08% | P97 |
| #29 | OAKSTAR BANK | 58115 | 87.08% | P97 |
| #30 | NORTHEAST BANK | 19690 | 86.72% | P97 |
| #31 | PARKE BANK | 34888 | 86.71% | P97 |
| #32 | FIRST CENTRAL SAVINGS BANK | 34969 | 86.61% | P97 |
| #33 | SOUTHEAST BANK | 57348 | 86.56% | P97 |
| #34 | CAPE&COAST BANK | 26517 | 86.38% | P97 |
| #35 | CENTRAL BANK | 15555 | 86.37% | P97 |
| #36 | NEEDHAM BANK | 26483 | 86.29% | P97 |
| #37 | BELL BANK | 19581 | 86.23% | P97 |
| #38 | MAINSTREET BANK | 57742 | 86.13% | P97 |
| #39 | SUMMIT BANK | 57706 | 86.11% | P96 |
| #40 | ONELOCAL BANK | 26555 | 85.90% | P96 |
| #41 | OMB BANK | 8252 | 85.89% | P96 |
| #42 | OPTIMUMBANK | 35430 | 85.86% | P96 |
| #43 | FIRST SERVICE BANK | 18519 | 85.74% | P96 |
| #44 | HINGHAM INST FOR SVG | 90211 | 85.68% | P96 |
| #45 | AXOS BANK | 35546 | 85.56% | P96 |
| #46 | PROVIDENT SAVINGS BANK FSB | 30879 | 85.48% | P96 |
| #47 | CLIMATE FIRST BANK | 59257 | 85.48% | P96 |
| #48 | MALAGA BANK FSB | 32282 | 85.46% | P96 |
| #49 | MERIDIAN BANK | 57777 | 85.33% | P95 |
| #50 | PEOPLES BANK | 16265 | 85.29% | P95 |
Related metrics
Other definitions from the same schedule or domain
Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.
Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.