Earnings & efficiency · Versioned metric research
Net Loss as a percent of Average Total Loans and Leases
Official FFIEC UBPR field UBPRE019 ("Net Loss as a percent of Average Total Loans and Leases"), 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 1057 banks' reported net loss as a percent of average total loans and leases 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
Net Loss as a percent of Average Total Loans and Leases — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 0.01 percent | No marker | None |
| 2023-06-30 | 0.02 percent | No marker | None |
| 2023-09-30 | 0.02 percent | No marker | None |
| 2023-12-31 | 0.03 percent | No marker | None |
| 2024-03-31 | 0.02 percent | No marker | None |
| 2024-06-30 | 0.03 percent | No marker | None |
| 2024-09-30 | 0.04 percent | No marker | None |
| 2024-12-31 | 0.06 percent | No marker | None |
| 2025-03-31 | 0.02 percent | No marker | None |
| 2025-06-30 | 0.04 percent | No marker | None |
| 2025-09-30 | 0.05 percent | No marker | None |
| 2025-12-31 | 0.06 percent | No marker | None |
| 2026-03-31 | 0.03 percent | No marker | None |
| 2026-06-30 | 0.05 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
Net Loss as a percent of Average Total Loans and Leases 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 | 1,057 | 0.00% | 0.00% | 0.05% | 0.18% | 0.47% |
| 2026-03-31 | 1,058 | -0.01% | 0.00% | 0.03% | 0.16% | 0.53% |
| 2025-12-31 | 1,061 | 0.00% | 0.01% | 0.06% | 0.23% | 0.54% |
| 2025-09-30 | 1,062 | 0.00% | 0.01% | 0.05% | 0.21% | 0.51% |
| 2025-06-30 | 1,064 | 0.00% | 0.00% | 0.04% | 0.18% | 0.53% |
| 2025-03-31 | 1,066 | -0.01% | 0.00% | 0.02% | 0.15% | 0.46% |
| 2024-12-31 | 1,068 | 0.00% | 0.01% | 0.06% | 0.19% | 0.49% |
| 2024-09-30 | 1,068 | 0.00% | 0.00% | 0.04% | 0.17% | 0.49% |
| 2024-06-30 | 1,068 | 0.00% | 0.00% | 0.03% | 0.15% | 0.47% |
| 2024-03-31 | 1,069 | -0.01% | 0.00% | 0.02% | 0.13% | 0.41% |
| 2023-12-31 | 1,070 | -0.01% | 0.00% | 0.03% | 0.13% | 0.38% |
| 2023-09-30 | 1,070 | -0.01% | 0.00% | 0.02% | 0.11% | 0.33% |
| 2023-06-30 | 1,070 | -0.01% | 0.00% | 0.02% | 0.09% | 0.29% |
| 2023-03-31 | 1,072 | -0.02% | 0.00% | 0.01% | 0.06% | 0.26% |
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 | 1057 | 0.00% | 0.00% | 0.05% | 0.18% | 0.47% |
| 2026-03-31 | 1058 | -0.01% | 0.00% | 0.03% | 0.16% | 0.53% |
| 2025-12-31 | 1061 | 0.00% | 0.01% | 0.06% | 0.23% | 0.54% |
| 2025-09-30 | 1062 | 0.00% | 0.01% | 0.05% | 0.21% | 0.51% |
| 2025-06-30 | 1064 | 0.00% | 0.00% | 0.04% | 0.18% | 0.53% |
| 2025-03-31 | 1066 | -0.01% | 0.00% | 0.02% | 0.15% | 0.46% |
| 2024-12-31 | 1068 | 0.00% | 0.01% | 0.06% | 0.19% | 0.49% |
| 2024-09-30 | 1068 | 0.00% | 0.00% | 0.04% | 0.17% | 0.49% |
| 2024-06-30 | 1068 | 0.00% | 0.00% | 0.03% | 0.15% | 0.47% |
| 2024-03-31 | 1069 | -0.01% | 0.00% | 0.02% | 0.13% | 0.41% |
| 2023-12-31 | 1070 | -0.01% | 0.00% | 0.03% | 0.13% | 0.38% |
| 2023-09-30 | 1070 | -0.01% | 0.00% | 0.02% | 0.11% | 0.33% |
| 2023-06-30 | 1070 | -0.01% | 0.00% | 0.02% | 0.09% | 0.29% |
| 2023-03-31 | 1072 | -0.02% | 0.00% | 0.01% | 0.06% | 0.26% |
Institution drilldown
Highest reported values
- #1SQUARE FINL SERVICES INC14.45%
- #2GREEN DOT BK DBA BONNEVILLE14.28%
- #3CREDIT ONE BANK NA12.11%
- #4MERRICK BANK11.57%
- #5COMENITY CAPITAL BANK7.69%
- #6COMENITY BANK6.43%
- #7CAPITAL COMMUNITY BANK6.39%
- #8SYNCHRONY BANK5.46%
- #9TD BANK USA NATIONAL ASSN5.44%
- #10COASTAL COMMUNITY BANK5.05%
Institution drilldown
Lowest reported values
- #1048GRASSHOPPER BANK N A-0.22%
- #1049COLUMN NATIONAL ASSN-0.27%
- #1050FARMERS&MERCHANTS BANK-0.28%
- #1050WILMINGTON TRUST NA-0.28%
- #1052UNITED TEXAS BANK-0.31%
- #1053FIRST FS&LA OF LAKEWOOD-0.48%
- #1054CARTER BANK&TRUST-0.82%
- #1055MONET BANK-4.66%
- #1056BEAL BANK USA-4.68%
- #1057CRESCENT BANK-6.10%
Institution discovery
Search verified rankings by quarter
1,057 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.