What source schedule does Average Earning Assets as a percent of Average Assets come from?

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

Earnings & efficiency · Versioned metric research

Average Earning Assets as a percent of Average Assets

Official FFIEC UBPR field UBPRE014 ("Average Earning Assets 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 ↗

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 average earning assets 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

Average Earning Assets as a percent of Average Assets — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2023-03-31	95.15 percent	No marker	None
2023-06-30	95.19 percent	No marker	None
2023-09-30	95.19 percent	No marker	None
2023-12-31	95.2 percent	No marker	None
2024-03-31	95.26 percent	No marker	None
2024-06-30	95.3 percent	No marker	None
2024-09-30	95.28 percent	No marker	None
2024-12-31	95.3 percent	No marker	None
2025-03-31	95.32 percent	No marker	None
2025-06-30	95.32 percent	No marker	None
2025-09-30	95.31 percent	No marker	None
2025-12-31	95.335 percent	No marker	None
2026-03-31	95.28 percent	No marker	None
2026-06-30	95.305 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

Average Earning Assets as a percent of Average Assets across covered banks

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

2026-06-30 latest period1,068 observations95.30% median93.52%–96.85% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,068	91.59%	93.52%	95.30%	96.85%	98.10%
2026-03-31	1,070	91.49%	93.47%	95.28%	96.83%	98.01%
2025-12-31	1,072	91.60%	93.52%	95.34%	96.84%	98.09%
2025-09-30	1,073	91.59%	93.52%	95.31%	96.82%	98.11%
2025-06-30	1,075	91.64%	93.52%	95.32%	96.86%	98.10%
2025-03-31	1,077	91.54%	93.51%	95.32%	96.83%	98.14%
2024-12-31	1,079	91.58%	93.57%	95.30%	96.82%	98.14%
2024-09-30	1,079	91.52%	93.62%	95.28%	96.85%	98.17%
2024-06-30	1,080	91.50%	93.61%	95.30%	96.84%	98.15%
2024-03-31	1,081	91.51%	93.57%	95.26%	96.85%	98.10%
2023-12-31	1,081	91.34%	93.47%	95.20%	96.85%	98.11%
2023-09-30	1,082	91.49%	93.44%	95.19%	96.79%	98.14%
2023-06-30	1,082	91.44%	93.53%	95.19%	96.83%	98.10%
2023-03-31	1,084	91.31%	93.42%	95.15%	96.85%	98.11%

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	91.59%	93.52%	95.30%	96.85%	98.10%
2026-03-31	1070	91.49%	93.47%	95.28%	96.83%	98.01%
2025-12-31	1072	91.60%	93.52%	95.34%	96.84%	98.09%
2025-09-30	1073	91.59%	93.52%	95.31%	96.82%	98.11%
2025-06-30	1075	91.64%	93.52%	95.32%	96.86%	98.10%
2025-03-31	1077	91.54%	93.51%	95.32%	96.83%	98.14%
2024-12-31	1079	91.58%	93.57%	95.30%	96.82%	98.14%
2024-09-30	1079	91.52%	93.62%	95.28%	96.85%	98.17%
2024-06-30	1080	91.50%	93.61%	95.30%	96.84%	98.15%
2024-03-31	1081	91.51%	93.57%	95.26%	96.85%	98.10%
2023-12-31	1081	91.34%	93.47%	95.20%	96.85%	98.11%
2023-09-30	1082	91.49%	93.44%	95.19%	96.79%	98.14%
2023-06-30	1082	91.44%	93.53%	95.19%	96.83%	98.10%
2023-03-31	1084	91.31%	93.42%	95.15%	96.85%	98.11%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#1059GREEN DOT BK DBA BONNEVILLE80.15%
#1060STATE STREET BANK&TRUST CO77.84%
#1061U S BANK TRUST CO NA72.67%
#1062NATIONWIDE TRUST CO FSB67.19%
#1063WELLS FARGO TRUST CO NA58.45%
#1064BANK OF JACKSON HOLE TRUST49.42%
#1065COMPUTERSHARE TRUST CO NA44.15%
#1066BANK OF NY MELLON TR CO NA25.62%
#1067BLACKROCK INSTL TR CO NA17.67%
#1068WILMINGTON TRUST NA4.78%

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	MERRICK BANK	34519	104.81%	P100
#2	SYNCHRONY BANK	27314	103.58%	P100
#3	COMENITY CAPITAL BANK	57570	102.84%	P100
#4	CREDIT ONE BANK NA	25620	101.98%	P100
#5	MEDALLION BANK	57449	101.56%	P100
#6	PRIME ALLIANCE BANK	57920	101.43%	P100
#7	FIRST STATE BANK	15032	100.50%	P99
#8	FIRST NB&T CO OF NEWTOWN	7658	100.30%	P99
#9	LEADER BANK NATIONAL ASSN	57134	100.21%	P99
#10	INTERCREDIT BANK NA	25258	100.15%	P99
#11	JOHN MARSHALL BANK	58243	100.08%	P99
#12	FIRSTRUST SAVINGS BANK	26647	99.94%	P99
#13	BMW BANK OF NORTH AMERICA	35141	99.93%	P99
#14	NEWTEK BANK NATIONAL ASSN	18734	99.91%	P99
#14	NANO BANC	58590	99.91%	P99
#16	JONESBORO STATE BANK	9325	99.90%	P99
#17	FIRST BANK OF BERNE	9288	99.88%	P99
#18	BANK OF AMERICA CA NA	25178	99.69%	P98
#19	FINANCIAL FEDERAL BANK	31840	99.67%	P98
#20	LIBERTY SAVINGS BANK FSB	32242	99.66%	P98
#20	AMERICAN EXPRESS NB	27471	99.66%	P98
#22	KIRKPATRICK BANK	20156	99.65%	P98
#23	FIRST NB OF AMERICA	17438	99.63%	P98
#24	RAYMOND JAMES BANK	33893	99.60%	P98
#25	BENNINGTON STATE BANK	16402	99.49%	P98
#26	MUTUALONE BANK	26395	99.42%	P98
#27	NORTHEAST BANK	19690	99.41%	P98
#28	HINGHAM INST FOR SVG	90211	99.36%	P97
#29	COMENITY BANK	27499	99.34%	P97
#30	FIRST SAVINGS BANK	32629	99.33%	P97
#31	NORTH AMERICAN SB FSB	29708	99.27%	P97
#32	FIRST STATE BANK	17509	99.24%	P97
#32	INTERNATIONAL BK OF CHICAGO	33708	99.24%	P97
#34	UBS BANK USA NATIONAL ASSN	57565	99.23%	P97
#35	TRUSTAR BANK	59183	99.21%	P97
#36	WELLS FARGO NB WEST	27389	99.20%	P97
#37	COGENT BANK	34908	99.16%	P97
#38	KS STATEBANK	19899	99.12%	P97
#39	CONVERSE COUNTY BANK	12591	99.09%	P96
#39	BANCO DO BRASIL AMERICAS	26725	99.09%	P96
#41	BESSEMER TRUST CO	20015	99.08%	P96
#42	NORTHWEST BANK	58752	99.07%	P96
#43	AMERIPRISE BANK FSB	58303	99.06%	P96
#44	CELTIC BANK	57056	98.98%	P96
#44	GREENE CNTY COMMERCIAL BANK	57710	98.98%	P96
#46	RIVER CITY BANK	18983	98.97%	P96
#47	JOHN DEERE FINANCIAL FSB	35237	98.95%	P96
#48	WELLS FARGO BANK S CNTL NA	5146	98.93%	P96
#49	EVERBANK NATIONAL ASSN	34775	98.91%	P96
#50	CASS COMMERCIAL BANK	1068	98.90%	P95

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.