Earnings & efficiency · Versioned metric research
Interest Income (TE) as a percent of Average Earning Assets
Official FFIEC UBPR field UBPRE016 ("Interest Income (TE) as a percent of Average Earning 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 interest income (te) as a percent of average earning 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
Interest Income (TE) as a percent of Average Earning Assets — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 4.58 percent | No marker | None |
| 2023-06-30 | 4.73 percent | No marker | None |
| 2023-09-30 | 4.85 percent | No marker | None |
| 2023-12-31 | 4.95 percent | No marker | None |
| 2024-03-31 | 5.28 percent | No marker | None |
| 2024-06-30 | 5.35 percent | No marker | None |
| 2024-09-30 | 5.41 percent | No marker | None |
| 2024-12-31 | 5.42 percent | No marker | None |
| 2025-03-31 | 5.38 percent | No marker | None |
| 2025-06-30 | 5.44 percent | No marker | None |
| 2025-09-30 | 5.5 percent | No marker | None |
| 2025-12-31 | 5.515 percent | No marker | None |
| 2026-03-31 | 5.41 percent | No marker | None |
| 2026-06-30 | 5.445 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
Interest Income (TE) as a percent of Average Earning 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 | 4.57% | 5.02% | 5.45% | 5.89% | 6.49% |
| 2026-03-31 | 1,070 | 4.54% | 4.98% | 5.41% | 5.85% | 6.45% |
| 2025-12-31 | 1,072 | 4.53% | 5.01% | 5.51% | 5.98% | 6.72% |
| 2025-09-30 | 1,073 | 4.52% | 4.99% | 5.50% | 5.98% | 6.70% |
| 2025-06-30 | 1,075 | 4.49% | 4.94% | 5.44% | 5.92% | 6.66% |
| 2025-03-31 | 1,077 | 4.44% | 4.90% | 5.38% | 5.86% | 6.61% |
| 2024-12-31 | 1,079 | 4.45% | 4.93% | 5.42% | 6.02% | 6.86% |
| 2024-09-30 | 1,079 | 4.42% | 4.89% | 5.41% | 6.02% | 6.83% |
| 2024-06-30 | 1,080 | 4.35% | 4.82% | 5.35% | 5.97% | 6.78% |
| 2024-03-31 | 1,081 | 4.30% | 4.76% | 5.28% | 5.92% | 6.70% |
| 2023-12-31 | 1,081 | 4.01% | 4.44% | 4.95% | 5.56% | 6.32% |
| 2023-09-30 | 1,082 | 3.92% | 4.35% | 4.85% | 5.44% | 6.23% |
| 2023-06-30 | 1,082 | 3.82% | 4.26% | 4.73% | 5.32% | 6.09% |
| 2023-03-31 | 1,083 | 3.74% | 4.13% | 4.58% | 5.17% | 5.89% |
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 | 4.57% | 5.02% | 5.45% | 5.89% | 6.49% |
| 2026-03-31 | 1070 | 4.54% | 4.98% | 5.41% | 5.85% | 6.45% |
| 2025-12-31 | 1072 | 4.53% | 5.01% | 5.51% | 5.98% | 6.72% |
| 2025-09-30 | 1073 | 4.52% | 4.99% | 5.50% | 5.98% | 6.70% |
| 2025-06-30 | 1075 | 4.49% | 4.94% | 5.44% | 5.92% | 6.66% |
| 2025-03-31 | 1077 | 4.44% | 4.90% | 5.38% | 5.86% | 6.61% |
| 2024-12-31 | 1079 | 4.45% | 4.93% | 5.42% | 6.02% | 6.86% |
| 2024-09-30 | 1079 | 4.42% | 4.89% | 5.41% | 6.02% | 6.83% |
| 2024-06-30 | 1080 | 4.35% | 4.82% | 5.35% | 5.97% | 6.78% |
| 2024-03-31 | 1081 | 4.30% | 4.76% | 5.28% | 5.92% | 6.70% |
| 2023-12-31 | 1081 | 4.01% | 4.44% | 4.95% | 5.56% | 6.32% |
| 2023-09-30 | 1082 | 3.92% | 4.35% | 4.85% | 5.44% | 6.23% |
| 2023-06-30 | 1082 | 3.82% | 4.26% | 4.73% | 5.32% | 6.09% |
| 2023-03-31 | 1083 | 3.74% | 4.13% | 4.58% | 5.17% | 5.89% |
Institution drilldown
Highest reported values
- #1SQUARE FINL SERVICES INC40.30%
- #2CREDIT ONE BANK NA23.76%
- #3COMENITY BANK23.40%
- #4COMENITY CAPITAL BANK20.79%
- #5WEBBANK19.49%
- #6MERRICK BANK19.43%
- #7CAPITAL COMMUNITY BANK19.38%
- #8SYNCHRONY BANK14.88%
- #9BARCLAYS BANK DELAWARE13.64%
- #10WEX BANK13.58%
Institution drilldown
Lowest reported values
- #1059STRIDE BANK NATIONAL ASSN3.41%
- #1060SUMITOMO MITSUI TR BK U SA3.39%
- #1060WELLS FARGO NB WEST3.39%
- #1062UNION COUNTY SAVINGS BANK3.03%
- #1063CENLAR FSB2.82%
- #1064CHARLES SCHWAB TRUST BANK2.72%
- #1065CHARLES SCHWAB PREMIER BK SS2.53%
- #1066CHARLES SCHWAB BANK SSB2.50%
- #1067SMBC MANUBANK1.70%
- #1068DEPOSITORY TRUST CO0.97%
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.