Earnings & efficiency · Versioned metric research
Net Interest Income (TE) % of Avg Assets
Official FFIEC UBPR field UBPRE003 ("Net Interest Income (TE) % of Avg 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 net interest income (te) % of avg 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
Net Interest Income (TE) % of Avg Assets — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 3.15 percent | No marker | None |
| 2023-06-30 | 3.1 percent | No marker | None |
| 2023-09-30 | 3.07 percent | No marker | None |
| 2023-12-31 | 3.04 percent | No marker | None |
| 2024-03-31 | 2.9 percent | No marker | None |
| 2024-06-30 | 2.94 percent | No marker | None |
| 2024-09-30 | 2.98 percent | No marker | None |
| 2024-12-31 | 3 percent | No marker | None |
| 2025-03-31 | 3.14 percent | No marker | None |
| 2025-06-30 | 3.2 percent | No marker | None |
| 2025-09-30 | 3.25 percent | No marker | None |
| 2025-12-31 | 3.29 percent | No marker | None |
| 2026-03-31 | 3.4 percent | No marker | None |
| 2026-06-30 | 3.44 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
Net Interest Income (TE) % of Avg 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 | 2.59% | 3.03% | 3.44% | 3.84% | 4.37% |
| 2026-03-31 | 1,070 | 2.54% | 2.99% | 3.40% | 3.80% | 4.32% |
| 2025-12-31 | 1,072 | 2.38% | 2.87% | 3.29% | 3.72% | 4.33% |
| 2025-09-30 | 1,073 | 2.34% | 2.82% | 3.25% | 3.68% | 4.33% |
| 2025-06-30 | 1,075 | 2.28% | 2.79% | 3.20% | 3.63% | 4.30% |
| 2025-03-31 | 1,077 | 2.23% | 2.74% | 3.14% | 3.59% | 4.20% |
| 2024-12-31 | 1,079 | 2.10% | 2.56% | 3.00% | 3.52% | 4.21% |
| 2024-09-30 | 1,079 | 2.07% | 2.50% | 2.98% | 3.49% | 4.19% |
| 2024-06-30 | 1,080 | 2.03% | 2.47% | 2.94% | 3.46% | 4.16% |
| 2024-03-31 | 1,081 | 2.05% | 2.44% | 2.90% | 3.44% | 4.15% |
| 2023-12-31 | 1,081 | 2.17% | 2.61% | 3.04% | 3.58% | 4.29% |
| 2023-09-30 | 1,082 | 2.21% | 2.64% | 3.07% | 3.61% | 4.28% |
| 2023-06-30 | 1,082 | 2.25% | 2.70% | 3.10% | 3.63% | 4.30% |
| 2023-03-31 | 1,084 | 2.32% | 2.76% | 3.15% | 3.67% | 4.40% |
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 | 2.59% | 3.03% | 3.44% | 3.84% | 4.37% |
| 2026-03-31 | 1070 | 2.54% | 2.99% | 3.40% | 3.80% | 4.32% |
| 2025-12-31 | 1072 | 2.38% | 2.87% | 3.29% | 3.72% | 4.33% |
| 2025-09-30 | 1073 | 2.34% | 2.82% | 3.25% | 3.68% | 4.33% |
| 2025-06-30 | 1075 | 2.28% | 2.79% | 3.20% | 3.63% | 4.30% |
| 2025-03-31 | 1077 | 2.23% | 2.74% | 3.14% | 3.59% | 4.20% |
| 2024-12-31 | 1079 | 2.10% | 2.56% | 3.00% | 3.52% | 4.21% |
| 2024-09-30 | 1079 | 2.07% | 2.50% | 2.98% | 3.49% | 4.19% |
| 2024-06-30 | 1080 | 2.03% | 2.47% | 2.94% | 3.46% | 4.16% |
| 2024-03-31 | 1081 | 2.05% | 2.44% | 2.90% | 3.44% | 4.15% |
| 2023-12-31 | 1081 | 2.17% | 2.61% | 3.04% | 3.58% | 4.29% |
| 2023-09-30 | 1082 | 2.21% | 2.64% | 3.07% | 3.61% | 4.28% |
| 2023-06-30 | 1082 | 2.25% | 2.70% | 3.10% | 3.63% | 4.30% |
| 2023-03-31 | 1084 | 2.32% | 2.76% | 3.15% | 3.67% | 4.40% |
Institution drilldown
Highest reported values
- #1SQUARE FINL SERVICES INC36.35%
- #2CREDIT ONE BANK NA21.88%
- #3COMENITY BANK19.59%
- #4COMENITY CAPITAL BANK18.05%
- #5MERRICK BANK17.50%
- #6CAPITAL COMMUNITY BANK15.81%
- #7WEBBANK15.21%
- #8SYNCHRONY BANK12.24%
- #9BARCLAYS BANK DELAWARE10.24%
- #10WEX BANK10.11%
Institution drilldown
Lowest reported values
- #1059SMBC MANUBANK0.86%
- #1060BESSEMER TRUST CO0.82%
- #1061TOYOTA FINANCIAL SB0.81%
- #1062BESSEMER TRUST CO NA0.72%
- #1063BLACKROCK INSTL TR CO NA0.69%
- #1064DEPOSITORY TRUST CO0.56%
- #1065NATIONWIDE TRUST CO FSB0.36%
- #1066WILMINGTON TRUST NA0.27%
- #1067UNION COUNTY SAVINGS BANK-0.32%
- #1068UNITED FIDELITY BANK FSB-0.37%
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.