Lending & concentration · Versioned metric research
Loan-to-asset ratio
Loan-to-asset ratio, derived from LNLSNET / ASSET. Open official FFIEC instructions ↗
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.