How is Net Loans & Leases as a percent of Total Deposits calculated?

official_ubpr_direct_ingestion_raw. Null policy: abstain if missing.

What source schedule does Net Loans & Leases as a percent of Total Deposits come from?

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

Earnings & efficiency · Versioned metric research

Net Loans & Leases as a percent of Total Deposits

Official FFIEC UBPR field UBPRE600 ("Net Loans & Leases as a percent of Total Deposits"), 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 quarters1062 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 1062 banks' reported net loans & leases as a percent of total deposits 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 Loans & Leases as a percent of Total Deposits — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2023-03-31	82.56 percent	No marker	None
2023-06-30	84.51 percent	No marker	None
2023-09-30	85.255 percent	No marker	None
2023-12-31	85.58 percent	No marker	None
2024-03-31	85.51 percent	No marker	None
2024-06-30	86.66 percent	No marker	None
2024-09-30	85.68 percent	No marker	None
2024-12-31	85.39 percent	No marker	None
2025-03-31	84.7 percent	No marker	None
2025-06-30	86.28 percent	No marker	None
2025-09-30	85.6 percent	No marker	None
2025-12-31	85.76 percent	No marker	None
2026-03-31	85.615 percent	No marker	None
2026-06-30	86.22 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 Loans & Leases as a percent of Total Deposits across covered banks

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

2026-06-30 latest period1,062 observations86.22% median75.14%–94.68% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,062	62.95%	75.14%	86.22%	94.68%	102.12%
2026-03-31	1,064	61.24%	74.59%	85.61%	94.14%	101.21%
2025-12-31	1,066	61.87%	74.49%	85.76%	94.32%	101.51%
2025-09-30	1,067	62.75%	74.73%	85.60%	94.16%	101.59%
2025-06-30	1,069	62.38%	74.63%	86.28%	94.39%	102.54%
2025-03-31	1,071	61.02%	73.48%	84.70%	93.57%	100.72%
2024-12-31	1,073	60.78%	73.91%	85.39%	94.35%	102.45%
2024-09-30	1,073	62.09%	74.56%	85.68%	94.43%	102.70%
2024-06-30	1,073	61.65%	74.81%	86.66%	95.28%	103.40%
2024-03-31	1,075	60.41%	73.33%	85.51%	94.64%	103.78%
2023-12-31	1,075	59.78%	74.11%	85.58%	95.99%	103.97%
2023-09-30	1,076	58.52%	73.02%	85.25%	95.31%	103.75%
2023-06-30	1,076	57.29%	72.62%	84.51%	95.43%	104.16%
2023-03-31	1,078	55.50%	70.45%	82.56%	94.61%	101.89%

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	1062	62.95%	75.14%	86.22%	94.68%	102.12%
2026-03-31	1064	61.24%	74.59%	85.61%	94.14%	101.21%
2025-12-31	1066	61.87%	74.49%	85.76%	94.32%	101.51%
2025-09-30	1067	62.75%	74.73%	85.60%	94.16%	101.59%
2025-06-30	1069	62.38%	74.63%	86.28%	94.39%	102.54%
2025-03-31	1071	61.02%	73.48%	84.70%	93.57%	100.72%
2024-12-31	1073	60.78%	73.91%	85.39%	94.35%	102.45%
2024-09-30	1073	62.09%	74.56%	85.68%	94.43%	102.70%
2024-06-30	1073	61.65%	74.81%	86.66%	95.28%	103.40%
2024-03-31	1075	60.41%	73.33%	85.51%	94.64%	103.78%
2023-12-31	1075	59.78%	74.11%	85.58%	95.99%	103.97%
2023-09-30	1076	58.52%	73.02%	85.25%	95.31%	103.75%
2023-06-30	1076	57.29%	72.62%	84.51%	95.43%	104.16%
2023-03-31	1078	55.50%	70.45%	82.56%	94.61%	101.89%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#1053JONESBORO STATE BANK6.16%
#1054EREBOR BANK N A1.90%
#1055GREEN DOT BK DBA BONNEVILLE0.67%
#1056SUMITOMO MITSUI TR BK U SA0.01%
#1057BANK OF NY MELLON TR CO NA0.00%
#1057FIRST AMERICAN TRUST FSB0.00%
#1057CHARLES SCHWAB PREMIER BK SS0.00%
#1057NATIONWIDE TRUST CO FSB0.00%
#1057GREENE CNTY COMMERCIAL BANK0.00%
#1057CHARLES SCHWAB TRUST BANK0.00%

Institution discovery

Search verified rankings by quarter

1,062 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	BANK OF JACKSON HOLE TRUST	23826	4437.10%	P100
#2	WILMINGTON TRUST NA	34069	474.17%	P100
#3	JOHN DEERE FINANCIAL FSB	35237	314.07%	P100
#4	BEAL BANK USA	57833	235.72%	P100
#5	SQUARE FINL SERVICES INC	59177	230.03%	P100
#6	FIRST NB OF AMERICA	17438	160.07%	P100
#7	THIRD FS&LA OF CLEVELAND	30012	159.03%	P99
#8	GREAT MIDWEST BANK SSB	29657	150.59%	P99
#9	HINGHAM INST FOR SVG	90211	149.33%	P99
#10	COMENITY BANK	27499	139.51%	P99
#11	MASPETH FS&LA	30303	138.78%	P99
#12	FIRST NATIONAL BANKERS BANK	25247	137.34%	P99
#13	MIDFIRST BANK	4063	131.50%	P99
#14	MALAGA BANK FSB	32282	131.44%	P99
#15	FEDERAL SAVINGS BANK	35518	129.86%	P99
#16	NORTHPOINTE BANK	34953	129.10%	P99
#17	INSTITUTION SVG NEWBURYPORT&	90250	126.06%	P98
#18	PONCE BANK NATIONAL ASSN	31189	126.05%	P98
#19	NORTHEAST COMMUNITY BANK	29147	123.94%	P98
#20	WATERSTONE BANK SSB	28513	123.66%	P98
#21	GATEWAY FIRST BANK	15118	123.41%	P98
#22	FINANCIAL FEDERAL BANK	31840	121.96%	P98
#22	INDUSTRIAL&COMMERCIAL BK CHI	24387	121.96%	P98
#24	NORTHEAST BANK	19690	121.47%	P98
#25	OLYMPIA FS&LA	28599	120.90%	P98
#26	UNITED BANKERS BANK	22180	120.61%	P98
#27	MERCHANTS BANK OF INDIANA	8056	120.53%	P98
#28	SACO&BIDDEFORD SVG INST	17743	118.73%	P97
#29	CAPITOL FEDERAL SAVINGS BANK	27981	118.09%	P97
#30	CREDIT ONE BANK NA	25620	117.19%	P97
#31	KISH BANK	14969	116.51%	P97
#32	BANKERS BANK	23537	116.21%	P97
#33	NORTH AMERICAN SB FSB	29708	116.20%	P97
#34	EVERETT COOP BANK	26444	115.77%	P97
#35	CELTIC BANK	57056	115.37%	P97
#36	STEARNS BANK NATIONAL ASSN	10988	114.76%	P97
#37	BANK OF WASHINGTON	12627	113.66%	P97
#38	PARKE BANK	34888	113.25%	P97
#39	PROVIDENT SAVINGS BANK FSB	30879	112.64%	P96
#40	SALEM FIVE CENTS SB	23296	111.67%	P96
#41	METRO CITY BANK	58181	111.54%	P96
#42	RIVER BANK	14995	111.32%	P96
#43	FIRST GENERAL BANK	58060	111.14%	P96
#44	MEDALLION BANK	57449	111.11%	P96
#45	KENNEBEC SAVINGS BANK	17897	110.80%	P96
#46	CHELSEA GROTON BANK	18238	110.43%	P96
#47	AMERICAN STATE BANK	228	109.70%	P96
#48	FIRST FEDERAL BANK OF KS CTY	29047	109.63%	P96
#49	CORNERSTONE CAPITAL BANK SSB	1213	109.34%	P95
#50	1ST SECURITY BANK OF WA	57633	107.88%	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.