Earnings & efficiency · Versioned metric research
Return on equity (official UBPR)
Net income as a percent of average bank equity capital, year-to-date, as published in FFIEC's official UBPR bulk data. Open official FFIEC instructions ↗
Calculation contract
official_ubpr_direct_ingestion
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 1067 banks' reported return on equity (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 equity (official UBPR) — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 11.92 percent | No marker | None |
| 2023-06-30 | 11.65 percent | No marker | None |
| 2023-09-30 | 11.44 percent | No marker | None |
| 2023-12-31 | 10.755 percent | No marker | None |
| 2024-03-31 | 9.7 percent | No marker | None |
| 2024-06-30 | 9.89 percent | No marker | None |
| 2024-09-30 | 9.89 percent | No marker | None |
| 2024-12-31 | 9.915 percent | No marker | None |
| 2025-03-31 | 10.305 percent | No marker | None |
| 2025-06-30 | 10.585 percent | No marker | None |
| 2025-09-30 | 10.975 percent | No marker | None |
| 2025-12-31 | 11.18 percent | No marker | None |
| 2026-03-31 | 11.66 percent | No marker | None |
| 2026-06-30 | 11.9 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 equity (official UBPR) 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 | 1,067 | 5.42% | 8.69% | 11.90% | 15.18% | 19.85% |
| 2026-03-31 | 1,069 | 4.79% | 8.20% | 11.66% | 14.87% | 19.21% |
| 2025-12-31 | 1,071 | 4.56% | 7.65% | 11.18% | 14.58% | 19.28% |
| 2025-09-30 | 1,072 | 4.36% | 7.56% | 10.98% | 14.46% | 19.07% |
| 2025-06-30 | 1,074 | 3.80% | 7.29% | 10.59% | 14.37% | 19.23% |
| 2025-03-31 | 1,076 | 3.26% | 6.77% | 10.30% | 13.96% | 18.91% |
| 2024-12-31 | 1,078 | 3.03% | 6.30% | 9.92% | 13.55% | 18.61% |
| 2024-09-30 | 1,078 | 3.09% | 6.43% | 9.89% | 13.59% | 18.52% |
| 2024-06-30 | 1,079 | 3.21% | 6.21% | 9.89% | 13.55% | 18.93% |
| 2024-03-31 | 1,080 | 3.03% | 6.15% | 9.70% | 13.61% | 19.06% |
| 2023-12-31 | 1,080 | 3.43% | 7.05% | 10.76% | 14.93% | 21.24% |
| 2023-09-30 | 1,081 | 4.05% | 7.59% | 11.44% | 15.62% | 22.48% |
| 2023-06-30 | 1,081 | 4.44% | 7.83% | 11.65% | 15.87% | 22.45% |
| 2023-03-31 | 1,083 | 4.10% | 8.17% | 11.92% | 16.69% | 22.72% |
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 | 1067 | 5.42% | 8.69% | 11.90% | 15.18% | 19.85% |
| 2026-03-31 | 1069 | 4.79% | 8.20% | 11.66% | 14.87% | 19.21% |
| 2025-12-31 | 1071 | 4.56% | 7.65% | 11.18% | 14.58% | 19.28% |
| 2025-09-30 | 1072 | 4.36% | 7.56% | 10.98% | 14.46% | 19.07% |
| 2025-06-30 | 1074 | 3.80% | 7.29% | 10.59% | 14.37% | 19.23% |
| 2025-03-31 | 1076 | 3.26% | 6.77% | 10.30% | 13.96% | 18.91% |
| 2024-12-31 | 1078 | 3.03% | 6.30% | 9.92% | 13.55% | 18.61% |
| 2024-09-30 | 1078 | 3.09% | 6.43% | 9.89% | 13.59% | 18.52% |
| 2024-06-30 | 1079 | 3.21% | 6.21% | 9.89% | 13.55% | 18.93% |
| 2024-03-31 | 1080 | 3.03% | 6.15% | 9.70% | 13.61% | 19.06% |
| 2023-12-31 | 1080 | 3.43% | 7.05% | 10.76% | 14.93% | 21.24% |
| 2023-09-30 | 1081 | 4.05% | 7.59% | 11.44% | 15.62% | 22.48% |
| 2023-06-30 | 1081 | 4.44% | 7.83% | 11.65% | 15.87% | 22.45% |
| 2023-03-31 | 1083 | 4.10% | 8.17% | 11.92% | 16.69% | 22.72% |
Institution drilldown
Highest reported values
- #1CREDIT ONE BANK NA90.76%
- #2COLUMN NATIONAL ASSN73.35%
- #3SQUARE FINL SERVICES INC59.97%
- #4CRESCENT BANK59.15%
- #5BRANNEN BANK57.25%
- #6WEX BANK51.92%
- #7AMERIPRISE BANK FSB50.95%
- #8NEWTEK BANK NATIONAL ASSN50.51%
- #9NATIONWIDE TRUST CO FSB46.47%
- #10ANCHORAGE DIGITAL BANK NA42.79%
Institution drilldown
Lowest reported values
- #1058CENLAR FSB-6.99%
- #1059BANC OF CALIFORNIA-7.92%
- #1060NANO BANC-10.95%
- #1061LINCOLN SAVINGS BANK-11.04%
- #1062COASTAL COMMUNITY BANK-11.91%
- #1063MIDWEST REGIONAL BANK-12.34%
- #1064SOUTHPOINT BANK-22.09%
- #1065TRANSPECOS BANKS SSB-22.59%
- #1066SMBC MANUBANK-32.51%
- #1067BAYFIRST NATIONAL BANK-79.98%
Institution discovery
Search verified rankings by quarter
1,067 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.