Bank Comparison
Citibank, N.A. vs JPMorgan Chase Bank, N.A.
Two US G-SIBs with very different geographic footprints.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Citibank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| CET1 Ratio | 14.95% | 15.08% |
| Tier 1 Capital Ratio | 15.15% | 15.08% |
| Total Capital Ratio | 16.69% | 16.25% |
| Tier 1 Leverage Ratio | 8.16% | 7.63% |
| Equity / Assets | 8.86% | 8.36% |
Profitability
| Metric | Citibank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.04% | 1.43% |
| Return on Equity (ROE) | 11.52% | 16.64% |
| Net Interest Margin (NIM) | 2.91% | 2.80% |
| Yield on Earning Assets | 5.35% | 4.62% |
| Cost of Funds | 2.70% | 2.05% |
Asset quality
| Metric | Citibank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Texas Ratio | 4.05% | 5.37% |
| Non-Performing Loan Ratio | 0.58% | 0.91% |
| Non-Performing Asset Ratio | 0.22% | 0.35% |
| Net Charge-Off Ratio | 1.49% | 0.70% |
| ACL / Loans | 2.41% | 1.69% |
Balance sheet
| Metric | Citibank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Total Assets | $1,933,622M | $4,016,571M |
| Total Deposits | $1,501,029M | $2,787,994M |
| Total Loans | $725,939M | $1,519,711M |
| Total Equity | $171,401M | $335,931M |
| Net Income (quarter) | $5,011M | $13,974M |
Liquidity & funding
| Metric | Citibank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 48.36% | 54.51% |
| Core Deposit Ratio | 53.57% | 72.03% |
| Uninsured Deposit Ratio | 44.79% | 46.20% |
Identity
| Metric | Citibank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Headquarters City | SIOUX FALLS | COLUMBUS |
| Headquarters State | SD | OH |
| Asset Tier | National | National |
| Charter Class | 1461 | 8 |
| Regulator | OCC | OCC |
| Domestic Branches | 958 | 5,342 |
| Employees (FTE) | 174,008 | 227,258 |
| Established | June 16, 1812, midnight | Jan. 1, 1824, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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