Earnings & efficiency · Versioned metric research
Pretax Net Operating Income (TE) as a percent of Average Assets
Official FFIEC UBPR field UBPRE009 ("Pretax Net Operating 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 pretax net operating 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
Pretax Net Operating Income (TE) as a percent of Average Assets — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 1.36 percent | No marker | None |
| 2023-06-30 | 1.34 percent | No marker | None |
| 2023-09-30 | 1.31 percent | No marker | None |
| 2023-12-31 | 1.25 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 | 1.19 percent | No marker | None |
| 2025-03-31 | 1.3 percent | No marker | None |
| 2025-06-30 | 1.35 percent | No marker | None |
| 2025-09-30 | 1.4 percent | No marker | None |
| 2025-12-31 | 1.42 percent | No marker | None |
| 2026-03-31 | 1.55 percent | No marker | None |
| 2026-06-30 | 1.595 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 Net Operating 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 | 0.78% | 1.20% | 1.59% | 2.00% | 2.52% |
| 2026-03-31 | 1,070 | 0.70% | 1.12% | 1.55% | 1.95% | 2.44% |
| 2025-12-31 | 1,072 | 0.58% | 1.05% | 1.42% | 1.84% | 2.37% |
| 2025-09-30 | 1,073 | 0.56% | 1.01% | 1.40% | 1.84% | 2.39% |
| 2025-06-30 | 1,075 | 0.48% | 0.95% | 1.35% | 1.79% | 2.36% |
| 2025-03-31 | 1,077 | 0.39% | 0.88% | 1.30% | 1.73% | 2.32% |
| 2024-12-31 | 1,079 | 0.36% | 0.79% | 1.19% | 1.69% | 2.28% |
| 2024-09-30 | 1,079 | 0.37% | 0.79% | 1.20% | 1.68% | 2.31% |
| 2024-06-30 | 1,080 | 0.37% | 0.76% | 1.18% | 1.67% | 2.25% |
| 2024-03-31 | 1,081 | 0.37% | 0.77% | 1.15% | 1.64% | 2.32% |
| 2023-12-31 | 1,081 | 0.42% | 0.83% | 1.25% | 1.72% | 2.31% |
| 2023-09-30 | 1,082 | 0.48% | 0.89% | 1.31% | 1.79% | 2.42% |
| 2023-06-30 | 1,082 | 0.51% | 0.93% | 1.34% | 1.83% | 2.41% |
| 2023-03-31 | 1,084 | 0.52% | 0.95% | 1.36% | 1.88% | 2.49% |
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 | 0.78% | 1.20% | 1.59% | 2.00% | 2.52% |
| 2026-03-31 | 1070 | 0.70% | 1.12% | 1.55% | 1.95% | 2.44% |
| 2025-12-31 | 1072 | 0.58% | 1.05% | 1.42% | 1.84% | 2.37% |
| 2025-09-30 | 1073 | 0.56% | 1.01% | 1.40% | 1.84% | 2.39% |
| 2025-06-30 | 1075 | 0.48% | 0.95% | 1.35% | 1.79% | 2.36% |
| 2025-03-31 | 1077 | 0.39% | 0.88% | 1.30% | 1.73% | 2.32% |
| 2024-12-31 | 1079 | 0.36% | 0.79% | 1.19% | 1.69% | 2.28% |
| 2024-09-30 | 1079 | 0.37% | 0.79% | 1.20% | 1.68% | 2.31% |
| 2024-06-30 | 1080 | 0.37% | 0.76% | 1.18% | 1.67% | 2.25% |
| 2024-03-31 | 1081 | 0.37% | 0.77% | 1.15% | 1.64% | 2.32% |
| 2023-12-31 | 1081 | 0.42% | 0.83% | 1.25% | 1.72% | 2.31% |
| 2023-09-30 | 1082 | 0.48% | 0.89% | 1.31% | 1.79% | 2.42% |
| 2023-06-30 | 1082 | 0.51% | 0.93% | 1.34% | 1.83% | 2.41% |
| 2023-03-31 | 1084 | 0.52% | 0.95% | 1.36% | 1.88% | 2.49% |
Institution drilldown
Highest reported values
- #1SQUARE FINL SERVICES INC47.08%
- #2COMPUTERSHARE TRUST CO NA35.33%
- #3U S BANK TRUST CO NA33.97%
- #4CREDIT ONE BANK NA25.27%
- #5BLACKROCK INSTL TR CO NA24.14%
- #6NATIONWIDE TRUST CO FSB21.99%
- #7BANK OF NY MELLON TR CO NA20.19%
- #8CRESCENT BANK11.10%
- #9BEAL BANK USA10.95%
- #10BANK OF STOCKTON8.70%
Institution drilldown
Lowest reported values
- #1059LINCOLN SAVINGS BANK-1.40%
- #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-2.50%
- #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
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.