Earnings & efficiency · Versioned metric research
Interest Income (TE) as a percent of Average Assets
Official FFIEC UBPR field UBPRE001 ("Interest Income (TE) as a percent of Average Assets"), ingested directly from the "Summary Ratios" report page without individual editorial curation — label and scope are FFIEC's own, not this site's wording. Not reviewed against the PDF UBPR User's Guide the way the hand-curated ROA/ROE/NIM/efficiency-ratio metrics were (see docs/UBPR-INGESTION-SCOPE.md). Open official FFIEC instructions ↗
Calculation contract
official_ubpr_direct_ingestion_raw
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2026-01-01 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 1068 banks' reported interest income (te) as a percent of average assets 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
Interest Income (TE) as a percent of Average Assets — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 4.32 percent | No marker | None |
| 2023-06-30 | 4.45 percent | No marker | None |
| 2023-09-30 | 4.57 percent | No marker | None |
| 2023-12-31 | 4.66 percent | No marker | None |
| 2024-03-31 | 4.96 percent | No marker | None |
| 2024-06-30 | 5.03 percent | No marker | None |
| 2024-09-30 | 5.09 percent | No marker | None |
| 2024-12-31 | 5.1 percent | No marker | None |
| 2025-03-31 | 5.07 percent | No marker | None |
| 2025-06-30 | 5.14 percent | No marker | None |
| 2025-09-30 | 5.18 percent | No marker | None |
| 2025-12-31 | 5.19 percent | No marker | None |
| 2026-03-31 | 5.12 percent | No marker | None |
| 2026-06-30 | 5.16 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
Interest Income (TE) as a percent of Average Assets 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 | 1,068 | 4.31% | 4.77% | 5.16% | 5.61% | 6.22% |
| 2026-03-31 | 1,070 | 4.28% | 4.73% | 5.12% | 5.56% | 6.19% |
| 2025-12-31 | 1,072 | 4.30% | 4.76% | 5.19% | 5.70% | 6.40% |
| 2025-09-30 | 1,073 | 4.27% | 4.73% | 5.18% | 5.70% | 6.42% |
| 2025-06-30 | 1,075 | 4.24% | 4.67% | 5.14% | 5.66% | 6.39% |
| 2025-03-31 | 1,077 | 4.17% | 4.64% | 5.07% | 5.57% | 6.34% |
| 2024-12-31 | 1,079 | 4.18% | 4.64% | 5.10% | 5.71% | 6.57% |
| 2024-09-30 | 1,079 | 4.14% | 4.63% | 5.09% | 5.73% | 6.54% |
| 2024-06-30 | 1,080 | 4.07% | 4.57% | 5.03% | 5.67% | 6.52% |
| 2024-03-31 | 1,081 | 4.05% | 4.51% | 4.96% | 5.60% | 6.38% |
| 2023-12-31 | 1,081 | 3.73% | 4.19% | 4.66% | 5.28% | 5.98% |
| 2023-09-30 | 1,082 | 3.68% | 4.11% | 4.57% | 5.17% | 5.85% |
| 2023-06-30 | 1,082 | 3.59% | 4.01% | 4.45% | 5.06% | 5.73% |
| 2023-03-31 | 1,084 | 3.51% | 3.91% | 4.32% | 4.89% | 5.61% |
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 | 1068 | 4.31% | 4.77% | 5.16% | 5.61% | 6.22% |
| 2026-03-31 | 1070 | 4.28% | 4.73% | 5.12% | 5.56% | 6.19% |
| 2025-12-31 | 1072 | 4.30% | 4.76% | 5.19% | 5.70% | 6.40% |
| 2025-09-30 | 1073 | 4.27% | 4.73% | 5.18% | 5.70% | 6.42% |
| 2025-06-30 | 1075 | 4.24% | 4.67% | 5.14% | 5.66% | 6.39% |
| 2025-03-31 | 1077 | 4.17% | 4.64% | 5.07% | 5.57% | 6.34% |
| 2024-12-31 | 1079 | 4.18% | 4.64% | 5.10% | 5.71% | 6.57% |
| 2024-09-30 | 1079 | 4.14% | 4.63% | 5.09% | 5.73% | 6.54% |
| 2024-06-30 | 1080 | 4.07% | 4.57% | 5.03% | 5.67% | 6.52% |
| 2024-03-31 | 1081 | 4.05% | 4.51% | 4.96% | 5.60% | 6.38% |
| 2023-12-31 | 1081 | 3.73% | 4.19% | 4.66% | 5.28% | 5.98% |
| 2023-09-30 | 1082 | 3.68% | 4.11% | 4.57% | 5.17% | 5.85% |
| 2023-06-30 | 1082 | 3.59% | 4.01% | 4.45% | 5.06% | 5.73% |
| 2023-03-31 | 1084 | 3.51% | 3.91% | 4.32% | 4.89% | 5.61% |
Institution drilldown
Highest reported values
- #1SQUARE FINL SERVICES INC36.65%
- #2CREDIT ONE BANK NA24.23%
- #3COMENITY BANK23.24%
- #4COMENITY CAPITAL BANK21.38%
- #5MERRICK BANK20.36%
- #6CAPITAL COMMUNITY BANK18.56%
- #7WEBBANK18.03%
- #8SYNCHRONY BANK15.42%
- #9BARCLAYS BANK DELAWARE13.28%
- #10WEX BANK12.91%
Institution drilldown
Lowest reported values
- #1059CHARLES SCHWAB BANK SSB2.37%
- #1060CENLAR FSB2.32%
- #1061BANK OF JACKSON HOLE TRUST2.18%
- #1062WELLS FARGO TRUST CO NA2.15%
- #1063SMBC MANUBANK1.63%
- #1063COMPUTERSHARE TRUST CO NA1.63%
- #1065DEPOSITORY TRUST CO0.94%
- #1065BANK OF NY MELLON TR CO NA0.94%
- #1067BLACKROCK INSTL TR CO NA0.69%
- #1068WILMINGTON TRUST NA0.27%
Institution discovery
Search verified rankings by quarter
1,068 matched institutions · selected period 2026-06-30
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.