What source schedule does Average Interest-Bearing Funds 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 Interest-Bearing Funds as a percent of Average Assets

Official FFIEC UBPR field UBPRE015 ("Average Interest-Bearing Funds 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 interest-bearing funds 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 Interest-Bearing Funds as a percent of Average Assets — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2023-03-31	71.155 percent	No marker	None
2023-06-30	71.6 percent	No marker	None
2023-09-30	71.925 percent	No marker	None
2023-12-31	72.02 percent	No marker	None
2024-03-31	73.21 percent	No marker	None
2024-06-30	73.22 percent	No marker	None
2024-09-30	73.3 percent	No marker	None
2024-12-31	73.31 percent	No marker	None
2025-03-31	72.98 percent	No marker	None
2025-06-30	72.86 percent	No marker	None
2025-09-30	72.72 percent	No marker	None
2025-12-31	72.625 percent	No marker	None
2026-03-31	72.5 percent	No marker	None
2026-06-30	72.365 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 Interest-Bearing Funds 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 observations72.36% median65.81%–78.58% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,068	59.16%	65.81%	72.36%	78.58%	84.58%
2026-03-31	1,070	59.11%	65.63%	72.50%	78.90%	84.78%
2025-12-31	1,072	59.44%	66.02%	72.63%	79.23%	84.82%
2025-09-30	1,073	59.47%	66.11%	72.72%	79.42%	84.93%
2025-06-30	1,075	59.35%	66.23%	72.86%	79.46%	85.05%
2025-03-31	1,077	59.50%	66.34%	72.98%	79.73%	85.14%
2024-12-31	1,079	59.03%	66.38%	73.31%	80.25%	85.53%
2024-09-30	1,079	59.11%	66.33%	73.30%	80.65%	85.63%
2024-06-30	1,080	58.98%	66.18%	73.22%	80.68%	85.65%
2024-03-31	1,081	58.87%	65.98%	73.21%	80.77%	85.85%
2023-12-31	1,081	56.86%	64.28%	72.02%	80.96%	85.93%
2023-09-30	1,082	56.40%	63.87%	71.92%	81.46%	86.01%
2023-06-30	1,082	55.78%	63.49%	71.60%	81.49%	86.04%
2023-03-31	1,084	55.35%	62.77%	71.16%	81.73%	86.27%

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	59.16%	65.81%	72.36%	78.58%	84.58%
2026-03-31	1070	59.11%	65.63%	72.50%	78.90%	84.78%
2025-12-31	1072	59.44%	66.02%	72.63%	79.23%	84.82%
2025-09-30	1073	59.47%	66.11%	72.72%	79.42%	84.93%
2025-06-30	1075	59.35%	66.23%	72.86%	79.46%	85.05%
2025-03-31	1077	59.50%	66.34%	72.98%	79.73%	85.14%
2024-12-31	1079	59.03%	66.38%	73.31%	80.25%	85.53%
2024-09-30	1079	59.11%	66.33%	73.30%	80.65%	85.63%
2024-06-30	1080	58.98%	66.18%	73.22%	80.68%	85.65%
2024-03-31	1081	58.87%	65.98%	73.21%	80.77%	85.85%
2023-12-31	1081	56.86%	64.28%	72.02%	80.96%	85.93%
2023-09-30	1082	56.40%	63.87%	71.92%	81.46%	86.01%
2023-06-30	1082	55.78%	63.49%	71.60%	81.49%	86.04%
2023-03-31	1084	55.35%	62.77%	71.16%	81.73%	86.27%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#1059PATHWARD NATIONAL ASSN6.70%
#1060GREEN DOT BK DBA BONNEVILLE3.18%
#1061WILMINGTON TRUST NA0.64%
#1062BANK OF JACKSON HOLE TRUST0.04%
#1063BANK OF NY MELLON TR CO NA0.00%
#1063WELLS FARGO TRUST CO NA0.00%
#1063BLACKROCK INSTL TR CO NA0.00%
#1063U S BANK TRUST CO NA0.00%
#1063COMPUTERSHARE TRUST CO NA0.00%
#1063ANCHORAGE DIGITAL BANK NA0.00%

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	TEXAS FIRST BANK	23799	97.77%	P100
#2	LIBERTY BANK&TRUST CO	20856	96.10%	P100
#3	FIRST BUSINESS BANK	15229	94.95%	P100
#4	AXOS BANK	35546	92.93%	P100
#5	MORGAN STANLEY PRIVATE BK NA	34221	92.08%	P100
#6	AMERIPRISE BANK FSB	58303	92.05%	P100
#7	UBS BANK USA NATIONAL ASSN	57565	91.61%	P99
#8	USAA FEDERAL SAVINGS BANK	32188	91.55%	P99
#9	STIFEL BANK&TRUST	57311	91.38%	P99
#10	JONESBORO STATE BANK	9325	91.17%	P99
#11	PRINCIPAL BANK	34507	91.16%	P99
#12	COMMERCE WEST BANK	57176	90.53%	P99
#13	GNBANK NATIONAL ASSN	4673	90.52%	P99
#14	NEWTEK BANK NATIONAL ASSN	18734	90.43%	P99
#15	NATIONAL BANK OF INPOLIS	33860	90.27%	P99
#16	CITY NB OF FLORIDA	20234	90.16%	P99
#17	FIRST NB OF AMERICA	17438	90.02%	P99
#18	GREENE CNTY COMMERCIAL BANK	57710	89.63%	P98
#19	BANKERS TRUST CO	953	89.43%	P98
#20	WEX BANK	34697	89.26%	P98
#21	WASHINGTON TRUST BANK	1281	89.23%	P98
#22	RAYMOND JAMES BANK	33893	89.19%	P98
#23	TRISTATE CAPITAL BANK	58457	89.10%	P98
#24	THIRD FS&LA OF CLEVELAND	30012	89.07%	P98
#24	FIRST INTERNET BANK OF IN	34607	89.07%	P98
#26	STIFEL BANK	57358	88.99%	P98
#27	ALLY BANK	57803	88.97%	P98
#28	MAIN STREET BANK CORP	29847	88.94%	P97
#29	TOYOTA FINANCIAL SB	57542	88.91%	P97
#30	INDEPENDENT BANK	34728	88.87%	P97
#31	CHARLES SCHWAB PREMIER BK SS	33497	88.64%	P97
#32	CHARLES SCHWAB BANK SSB	57450	88.31%	P97
#33	SOUTHPOINT BANK	58088	88.27%	P97
#33	SALLIE MAE BANK	58177	88.27%	P97
#35	CORNERSTONE BANK	13198	88.25%	P97
#36	1ST SUMMIT BANK	8426	88.22%	P97
#36	TRADITION CAPITAL BANK	58057	88.22%	P97
#38	CORNHUSKER BANK	14264	88.14%	P97
#39	FIRSTRUST SAVINGS BANK	26647	88.10%	P96
#40	BANK FIVE NINE	12517	88.07%	P96
#41	FIDELITY BANK NATIONAL ASSN	30895	88.00%	P96
#42	MACHIAS SAVINGS BANK	19531	87.93%	P96
#43	NORTHWEST BANK	28178	87.87%	P96
#44	FIVE STAR BANK	659	87.75%	P96
#45	TD BANK USA NATIONAL ASSN	33947	87.71%	P96
#45	QUONTIC BANK	57807	87.71%	P96
#47	POINTBANK	3389	87.43%	P96
#48	EXTRACO BANKS NATIONAL ASSN	5551	87.35%	P96
#49	BESSEMER TRUST CO	20015	87.25%	P96
#50	FINANCIAL FEDERAL BANK	31840	87.18%	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.