Earnings & efficiency · Versioned metric research
Non-Interest Expense as a percent of Average Assets
Official FFIEC UBPR field UBPRE005 ("Non-Interest Expense 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 non-interest expense 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
Non-Interest Expense as a percent of Average Assets — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 2.32 percent | No marker | None |
| 2023-06-30 | 2.3 percent | No marker | None |
| 2023-09-30 | 2.31 percent | No marker | None |
| 2023-12-31 | 2.33 percent | No marker | None |
| 2024-03-31 | 2.32 percent | No marker | None |
| 2024-06-30 | 2.32 percent | No marker | None |
| 2024-09-30 | 2.32 percent | No marker | None |
| 2024-12-31 | 2.33 percent | No marker | None |
| 2025-03-31 | 2.36 percent | No marker | None |
| 2025-06-30 | 2.36 percent | No marker | None |
| 2025-09-30 | 2.37 percent | No marker | None |
| 2025-12-31 | 2.38 percent | No marker | None |
| 2026-03-31 | 2.42 percent | No marker | None |
| 2026-06-30 | 2.42 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
Non-Interest Expense 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 | 1.64% | 2.02% | 2.42% | 2.87% | 3.66% |
| 2026-03-31 | 1,070 | 1.64% | 2.02% | 2.42% | 2.88% | 3.61% |
| 2025-12-31 | 1,072 | 1.64% | 2.00% | 2.38% | 2.83% | 3.61% |
| 2025-09-30 | 1,073 | 1.60% | 2.00% | 2.37% | 2.82% | 3.60% |
| 2025-06-30 | 1,075 | 1.61% | 1.99% | 2.36% | 2.81% | 3.58% |
| 2025-03-31 | 1,077 | 1.60% | 1.98% | 2.36% | 2.80% | 3.59% |
| 2024-12-31 | 1,079 | 1.61% | 1.97% | 2.33% | 2.77% | 3.55% |
| 2024-09-30 | 1,079 | 1.58% | 1.97% | 2.32% | 2.75% | 3.58% |
| 2024-06-30 | 1,080 | 1.57% | 1.94% | 2.32% | 2.76% | 3.57% |
| 2024-03-31 | 1,081 | 1.56% | 1.94% | 2.32% | 2.76% | 3.55% |
| 2023-12-31 | 1,081 | 1.58% | 1.94% | 2.33% | 2.79% | 3.62% |
| 2023-09-30 | 1,082 | 1.56% | 1.94% | 2.31% | 2.76% | 3.64% |
| 2023-06-30 | 1,082 | 1.55% | 1.94% | 2.30% | 2.75% | 3.63% |
| 2023-03-31 | 1,084 | 1.53% | 1.94% | 2.32% | 2.76% | 3.55% |
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 | 1.64% | 2.02% | 2.42% | 2.87% | 3.66% |
| 2026-03-31 | 1070 | 1.64% | 2.02% | 2.42% | 2.88% | 3.61% |
| 2025-12-31 | 1072 | 1.64% | 2.00% | 2.38% | 2.83% | 3.61% |
| 2025-09-30 | 1073 | 1.60% | 2.00% | 2.37% | 2.82% | 3.60% |
| 2025-06-30 | 1075 | 1.61% | 1.99% | 2.36% | 2.81% | 3.58% |
| 2025-03-31 | 1077 | 1.60% | 1.98% | 2.36% | 2.80% | 3.59% |
| 2024-12-31 | 1079 | 1.61% | 1.97% | 2.33% | 2.77% | 3.55% |
| 2024-09-30 | 1079 | 1.58% | 1.97% | 2.32% | 2.75% | 3.58% |
| 2024-06-30 | 1080 | 1.57% | 1.94% | 2.32% | 2.76% | 3.57% |
| 2024-03-31 | 1081 | 1.56% | 1.94% | 2.32% | 2.76% | 3.55% |
| 2023-12-31 | 1081 | 1.58% | 1.94% | 2.33% | 2.79% | 3.62% |
| 2023-09-30 | 1082 | 1.56% | 1.94% | 2.31% | 2.76% | 3.64% |
| 2023-06-30 | 1082 | 1.55% | 1.94% | 2.30% | 2.75% | 3.63% |
| 2023-03-31 | 1084 | 1.53% | 1.94% | 2.32% | 2.76% | 3.55% |
Institution drilldown
Highest reported values
- #1NATIONWIDE TRUST CO FSB114.21%
- #2CREDIT ONE BANK NA55.67%
- #3WILMINGTON TRUST NA53.03%
- #4CENLAR FSB51.43%
- #5COMPUTERSHARE TRUST CO NA49.80%
- #6GREEN DOT BK DBA BONNEVILLE30.61%
- #7BLACKROCK INSTL TR CO NA25.11%
- #8FEDERAL SAVINGS BANK18.22%
- #9AMERICAN EXPRESS NB16.47%
- #10BESSEMER TRUST CO NA16.07%
Institution drilldown
Lowest reported values
- #1059MORGAN STANLEY PRIVATE BK NA0.50%
- #1060AMERIPRISE BANK FSB0.45%
- #1061WELLS FARGO NB WEST0.37%
- #1062CHARLES SCHWAB BANK SSB0.36%
- #1063CHARLES SCHWAB PREMIER BK SS0.35%
- #1064WELLS FARGO BANK S CNTL NA0.34%
- #1065SMBC MANUBANK0.22%
- #1066GREENE CNTY COMMERCIAL BANK0.17%
- #1067WELLS FARGO TRUST CO NA0.10%
- #1068NANO BANC-0.14%
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.