How is Return on assets (official UBPR) calculated?

official_ubpr_direct_ingestion. Null policy: abstain if missing.

What source schedule does Return on assets (official UBPR) come from?

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

How many banks reported Return on assets (official UBPR) for 2026-06-30?

1068 banks reported a verified value for 2026-06-30. Institutions with an unavailable or unverified value are excluded, never counted as zero.

Earnings & efficiency · Versioned metric research

Return on assets (official UBPR)

Net income as a percent of average total assets, year-to-date, as published in FFIEC's official UBPR bulk data — not this site's own derived approximation. Open official FFIEC instructions ↗

v1 definition14 quarters1068 current observationsRATIO unit

Calculation contract

`official_ubpr_direct_ingestion`

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 return on assets (official ubpr) 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

Return on assets (official UBPR) — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2023-03-31	1.09 percent	No marker	None
2023-06-30	1.05 percent	No marker	None
2023-09-30	1.03 percent	No marker	None
2023-12-31	0.97 percent	No marker	None
2024-03-31	0.92 percent	No marker	None
2024-06-30	0.94 percent	No marker	None
2024-09-30	0.95 percent	No marker	None
2024-12-31	0.95 percent	No marker	None
2025-03-31	1.02 percent	No marker	None
2025-06-30	1.06 percent	No marker	None
2025-09-30	1.1 percent	No marker	None
2025-12-31	1.13 percent	No marker	None
2026-03-31	1.225 percent	No marker	None
2026-06-30	1.255 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

Return on assets (official UBPR) across covered banks

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

2026-06-30 latest period1,068 observations1.26% median0.94%–1.61% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,068	0.59%	0.94%	1.26%	1.61%	2.08%
2026-03-31	1,070	0.53%	0.88%	1.23%	1.57%	2.01%
2025-12-31	1,072	0.48%	0.83%	1.13%	1.50%	1.94%
2025-09-30	1,073	0.44%	0.79%	1.10%	1.50%	1.94%
2025-06-30	1,075	0.38%	0.74%	1.06%	1.46%	1.90%
2025-03-31	1,077	0.32%	0.69%	1.02%	1.41%	1.87%
2024-12-31	1,079	0.29%	0.62%	0.95%	1.34%	1.84%
2024-09-30	1,079	0.29%	0.62%	0.95%	1.34%	1.88%
2024-06-30	1,080	0.31%	0.61%	0.94%	1.33%	1.86%
2024-03-31	1,081	0.29%	0.61%	0.92%	1.31%	1.91%
2023-12-31	1,081	0.33%	0.66%	0.97%	1.38%	1.88%
2023-09-30	1,082	0.36%	0.70%	1.03%	1.42%	2.00%
2023-06-30	1,082	0.40%	0.73%	1.05%	1.44%	2.01%
2023-03-31	1,084	0.40%	0.76%	1.09%	1.49%	2.06%

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	0.59%	0.94%	1.26%	1.61%	2.08%
2026-03-31	1070	0.53%	0.88%	1.23%	1.57%	2.01%
2025-12-31	1072	0.48%	0.83%	1.13%	1.50%	1.94%
2025-09-30	1073	0.44%	0.79%	1.10%	1.50%	1.94%
2025-06-30	1075	0.38%	0.74%	1.06%	1.46%	1.90%
2025-03-31	1077	0.32%	0.69%	1.02%	1.41%	1.87%
2024-12-31	1079	0.29%	0.62%	0.95%	1.34%	1.84%
2024-09-30	1079	0.29%	0.62%	0.95%	1.34%	1.88%
2024-06-30	1080	0.31%	0.61%	0.94%	1.33%	1.86%
2024-03-31	1081	0.29%	0.61%	0.92%	1.31%	1.91%
2023-12-31	1081	0.33%	0.66%	0.97%	1.38%	1.88%
2023-09-30	1082	0.36%	0.70%	1.03%	1.42%	2.00%
2023-06-30	1082	0.40%	0.73%	1.05%	1.44%	2.01%
2023-03-31	1084	0.40%	0.76%	1.09%	1.49%	2.06%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#1059CENLAR FSB-1.23%
#1060UNION COUNTY SAVINGS BANK-1.29%
#1061MIDWEST REGIONAL BANK-1.34%
#1062THRIVENT BANK-1.42%
#1063TRANSPECOS BANKS SSB-1.67%
#1064SOUTHPOINT BANK-1.73%
#1065COLONIAL SAVINGS FA-2.53%
#1066SMBC MANUBANK-3.41%
#1067EREBOR BANK N A-4.27%
#1068BAYFIRST NATIONAL BANK-6.35%

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	SQUARE FINL SERVICES INC	59177	35.36%	P100
#2	COMPUTERSHARE TRUST CO NA	34629	26.68%	P100
#3	U S BANK TRUST CO NA	34588	26.66%	P100
#4	CREDIT ONE BANK NA	25620	25.27%	P100
#5	BLACKROCK INSTL TR CO NA	32961	18.59%	P100
#6	NATIONWIDE TRUST CO FSB	34710	17.36%	P100
#7	BANK OF NY MELLON TR CO NA	23472	15.39%	P99
#8	BEAL BANK USA	57833	8.59%	P99
#9	CRESCENT BANK	33492	8.47%	P99
#10	BANK OF STOCKTON	1536	6.11%	P99
#11	CAPITAL COMMUNITY BANK	33823	5.37%	P99
#12	COLUMN NATIONAL ASSN	58224	5.33%	P99
#13	BANK OF JACKSON HOLE TRUST	23826	5.16%	P99
#14	COMENITY BANK	27499	4.89%	P99
#15	WEBBANK	34404	4.82%	P99
#16	BANK OF UTICA	13397	4.79%	P99
#17	NEWTEK BANK NATIONAL ASSN	18734	4.51%	P99
#18	WEX BANK	34697	4.34%	P98
#19	STATE BANK OF TEXAS	27074	4.19%	P98
#20	MONET BANK	32574	4.17%	P98
#21	SUTTON BANK	5962	3.76%	P98
#22	AMERICAN EXPRESS NB	27471	3.64%	P98
#23	CARTER BANK&TRUST	58596	3.60%	P98
#24	CELTIC BANK	57056	3.45%	P98
#25	PRIME ALLIANCE BANK	57920	3.44%	P98
#26	INTERBANK	27210	3.26%	P98
#27	JOHN DEERE FINANCIAL FSB	35237	3.19%	P98
#28	BESSEMER TRUST CO NA	21868	3.06%	P97
#29	AMERIPRISE BANK FSB	58303	3.04%	P97
#30	YELLOWSTONE BANK	1978	3.02%	P97
#31	BCORP BANK NATIONAL ASSN	35444	2.90%	P97
#32	SYNCHRONY BANK	27314	2.85%	P97
#33	FIRST AMERICAN BANK	2240	2.82%	P97
#34	FIRST NB OF AMERICA	17438	2.79%	P97
#35	SALLIE MAE BANK	58177	2.76%	P97
#36	INTERNATIONAL BK OF COM	19629	2.73%	P97
#37	CEDAR RAPIDS BANK&TRUST CO	57244	2.72%	P97
#38	AMBOY BANK	6423	2.60%	P97
#39	PIONEER BANK	27872	2.59%	P96
#40	FIRST SAVINGS BANK	32629	2.58%	P96
#40	PATHWARD NATIONAL ASSN	30776	2.58%	P96
#40	FARMERS BANK&TRUST	17614	2.58%	P96
#43	FARMERS&MERCHANTS BANK	2036	2.55%	P96
#43	NORTHEAST BANK	19690	2.55%	P96
#45	UNITED BANK	172	2.54%	P96
#46	CITIZENS NB OF TEXAS	5574	2.52%	P96
#46	MERRICK BANK	34519	2.52%	P96
#48	BENNINGTON STATE BANK	16402	2.51%	P96
#49	EDMONTON STATE BANK	9678	2.50%	P96
#49	OPTUM BANK INC	57408	2.50%	P96

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.