John Deere Financial, F.S.B.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 35.44 percentage points higher than in Q1 2026, at 51.02%. Within Wisconsin, John Deere Financial, F.S.B. is 58th of 153 on return on assets, 1.47% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. John Deere Financial, F.S.B. sits 0.20 points higher, at 1.47% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.36% |
| Equity capital to assets | 17.96% |
| Tangible equity to tangible assets | 17.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 4.01% |
| Texas ratio | 1.52% |
| Allowance for credit losses to loans | 0.14% |
| Reserve coverage of non-performing loans | 51.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 7.69% |
| Net interest margin | 6.05% |
| Efficiency ratio | 23.25% |
| Yield on earning assets | 9.73% |
| Cost of funds | 4.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 314.52% |
| Core deposits to total deposits | 0.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 31.65% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.33% | 4.04% | 5.64% | 0.19% | 0.13% |
| Q4 2023 | 17.05% | 3.61% | 6.21% | 0.29% | 0.15% |
| Q1 2024 | 23.56% | 4.85% | 6.71% | 0.78% | 0.95% |
| Q2 2024 | 19.05% | 1.72% | 8.02% | 0.29% | 5.05% |
| Q3 2024 | 17.35% | 5.58% | 6.75% | 0.31% | 0.42% |
| Q4 2024 | 19.59% | 4.42% | 7.12% | 0.44% | 0.32% |
| Q1 2025 | 23.37% | 5.05% | 7.08% | 1.33% | 1.19% |
| Q2 2025 | 18.65% | -0.84% | 6.07% | 0.29% | 6.51% |
| Q3 2025 | 16.26% | 5.73% | 6.04% | 0.29% | -0.81% |
| Q4 2025 | 19.04% | 4.89% | 6.87% | 0.38% | -0.25% |
| Q1 2026 | 24.63% | 5.40% | 6.52% | 0.92% | 0.34% |
| Q2 2026 | 19.36% | 1.47% | 6.05% | 0.28% | 4.01% |
John Deere Financial, F.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock John Deere Financial, F.S.B., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full John Deere Financial, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35237) · FFIEC NIC profile (RSSD 2992547)