How is Pretax Operating Income (TE) % of Avg Assets calculated?

official_ubpr_direct_ingestion_raw. Null policy: abstain if missing.

What source schedule does Pretax Operating Income (TE) % of Avg Assets come from?

Not derivable from this formula alone; see the definition version history on this page.

Earnings & efficiency · Versioned metric research

Pretax Operating Income (TE) % of Avg Assets

Official FFIEC UBPR field UBPRE007 ("Pretax Operating 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 ↗

v1 definition14 quarters1068 current observationsRATIO unit

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

How every metric is acquired, derived, and validated →

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 1068 banks' reported pretax operating 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

Pretax Operating Income (TE) % of Avg Assets — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2023-03-31	1.38 percent	No marker	None
2023-06-30	1.36 percent	No marker	None
2023-09-30	1.33 percent	No marker	None
2023-12-31	1.27 percent	No marker	None
2024-03-31	1.15 percent	No marker	None
2024-06-30	1.18 percent	No marker	None
2024-09-30	1.2 percent	No marker	None
2024-12-31	1.21 percent	No marker	None
2025-03-31	1.31 percent	No marker	None
2025-06-30	1.35 percent	No marker	None
2025-09-30	1.41 percent	No marker	None
2025-12-31	1.45 percent	No marker	None
2026-03-31	1.55 percent	No marker	None
2026-06-30	1.59 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

Pretax Operating Income (TE) % of Avg Assets across covered banks

Median with interquartile and P10–P90 ranges across verified observations.

2026-06-30 latest period1,068 observations1.59% median1.20%–1.99% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,068	0.77%	1.20%	1.59%	1.99%	2.48%
2026-03-31	1,070	0.72%	1.13%	1.55%	1.94%	2.42%
2025-12-31	1,072	0.62%	1.08%	1.45%	1.87%	2.36%
2025-09-30	1,073	0.58%	1.02%	1.41%	1.85%	2.39%
2025-06-30	1,075	0.51%	0.96%	1.35%	1.79%	2.35%
2025-03-31	1,077	0.43%	0.90%	1.31%	1.74%	2.31%
2024-12-31	1,079	0.39%	0.80%	1.21%	1.69%	2.30%
2024-09-30	1,079	0.37%	0.79%	1.20%	1.70%	2.31%
2024-06-30	1,080	0.36%	0.76%	1.18%	1.67%	2.30%
2024-03-31	1,081	0.35%	0.76%	1.15%	1.63%	2.31%
2023-12-31	1,081	0.47%	0.88%	1.27%	1.74%	2.35%
2023-09-30	1,082	0.51%	0.94%	1.33%	1.81%	2.43%
2023-06-30	1,082	0.53%	0.95%	1.36%	1.84%	2.43%
2023-03-31	1,084	0.56%	0.98%	1.38%	1.90%	2.51%

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	0.77%	1.20%	1.59%	1.99%	2.48%
2026-03-31	1070	0.72%	1.13%	1.55%	1.94%	2.42%
2025-12-31	1072	0.62%	1.08%	1.45%	1.87%	2.36%
2025-09-30	1073	0.58%	1.02%	1.41%	1.85%	2.39%
2025-06-30	1075	0.51%	0.96%	1.35%	1.79%	2.35%
2025-03-31	1077	0.43%	0.90%	1.31%	1.74%	2.31%
2024-12-31	1079	0.39%	0.80%	1.21%	1.69%	2.30%
2024-09-30	1079	0.37%	0.79%	1.20%	1.70%	2.31%
2024-06-30	1080	0.36%	0.76%	1.18%	1.67%	2.30%
2024-03-31	1081	0.35%	0.76%	1.15%	1.63%	2.31%
2023-12-31	1081	0.47%	0.88%	1.27%	1.74%	2.35%
2023-09-30	1082	0.51%	0.94%	1.33%	1.81%	2.43%
2023-06-30	1082	0.53%	0.95%	1.36%	1.84%	2.43%
2023-03-31	1084	0.56%	0.98%	1.38%	1.90%	2.51%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#1059UNION COUNTY SAVINGS BANK-1.20%
#1060COASTAL COMMUNITY BANK-1.56%
#1061TRANSPECOS BANKS SSB-1.68%
#1062MIDWEST REGIONAL BANK-1.71%
#1063CENLAR FSB-1.87%
#1064THRIVENT BANK-1.91%
#1065SOUTHPOINT BANK-2.34%
#1066COLONIAL SAVINGS FA-2.48%
#1067EREBOR BANK N A-4.27%
#1068BAYFIRST NATIONAL BANK-8.56%

Institution discovery

Search verified rankings by quarter

1,068 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	SQUARE FINL SERVICES INC	59177	47.08%	P100
#2	COMPUTERSHARE TRUST CO NA	34629	35.28%	P100
#3	U S BANK TRUST CO NA	34588	33.97%	P100
#4	CREDIT ONE BANK NA	25620	25.29%	P100
#5	BLACKROCK INSTL TR CO NA	32961	24.14%	P100
#6	NATIONWIDE TRUST CO FSB	34710	21.99%	P100
#7	BANK OF NY MELLON TR CO NA	23472	20.19%	P99
#8	CRESCENT BANK	33492	11.10%	P99
#9	BEAL BANK USA	57833	10.95%	P99
#10	COLUMN NATIONAL ASSN	58224	7.62%	P99
#11	CAPITAL COMMUNITY BANK	33823	6.99%	P99
#12	BANK OF JACKSON HOLE TRUST	23826	6.74%	P99
#13	WEBBANK	34404	6.53%	P99
#14	COMENITY BANK	27499	6.40%	P99
#15	NEWTEK BANK NATIONAL ASSN	18734	6.04%	P99
#16	WEX BANK	34697	5.82%	P99
#17	MONET BANK	32574	5.31%	P99
#18	CARTER BANK&TRUST	58596	5.11%	P98
#19	AMERICAN EXPRESS NB	27471	4.79%	P98
#20	CELTIC BANK	57056	4.52%	P98
#21	STATE BANK OF TEXAS	27074	4.23%	P98
#22	BESSEMER TRUST CO NA	21868	4.17%	P98
#23	AMERIPRISE BANK FSB	58303	3.98%	P98
#24	SUTTON BANK	5962	3.77%	P98
#25	BCORP BANK NATIONAL ASSN	35444	3.73%	P98
#25	JOHN DEERE FINANCIAL FSB	35237	3.73%	P98
#27	SYNCHRONY BANK	27314	3.70%	P98
#27	SALLIE MAE BANK	58177	3.70%	P98
#29	FIRST NB OF AMERICA	17438	3.54%	P97
#30	PRIME ALLIANCE BANK	57920	3.47%	P97
#31	INTERNATIONAL BK OF COM	19629	3.45%	P97
#32	NORTHEAST BANK	19690	3.41%	P97
#33	FIRST SAVINGS BANK	32629	3.38%	P97
#34	MERRICK BANK	34519	3.34%	P97
#35	CEDAR RAPIDS BANK&TRUST CO	57244	3.33%	P97
#36	FIRST NATIONAL BANK	14712	3.32%	P97
#37	UNITED BANK	172	3.29%	P97
#38	FIRST GENERAL BANK	58060	3.28%	P97
#38	ESQUIRE BANK NATIONAL ASSN	58140	3.28%	P97
#40	INTERBANK	27210	3.26%	P96
#41	FARMERS&MERCHANTS BANK	2036	3.25%	P96
#41	OPTUM BANK INC	57408	3.25%	P96
#43	BARCLAYS BANK DELAWARE	57203	3.22%	P96
#44	THOMASVILLE NATIONAL BANK	34068	3.21%	P96
#45	ANCHORAGE DIGITAL BANK NA	59276	3.20%	P96
#46	RBC BANK GEORGIA NA	26342	3.14%	P96
#47	MEDALLION BANK	57449	3.10%	P96
#48	SERVBANK NATIONAL ASSN	55130	3.08%	P96
#49	PATHWARD NATIONAL ASSN	30776	3.02%	P96
#49	FARMERS BANK&TRUST	17614	3.02%	P96

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.