JPMorgan Chase Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 0.86 percentage points in Q2 2026, from 54.51% to 55.37%. It was the largest change from Q1 2026 among the key lines here. JPMorgan Chase Bank, N.A. has the 14th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 55.37% as of Q2 2026. JPMorgan Chase Bank, N.A. reported 55.37% on loan-to-deposit ratio for Q2 2026, 6.32 points below the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.56T |
| Net loans and leases | $1.54T |
| Loans held for sale | $41.60B |
| Loans to total assets | 38.17% |
| Loan-to-deposit ratio | 55.37% |
| Net loans to equity capital | 4.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.44% |
| Multifamily (5+ residential) | 6.89% |
| Commercial and industrial | 15.49% |
| Consumer | 18.26% |
| Credit cards | 13.82% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.89% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.51% |
| Construction concentration (Tier 1 capital + allowance) | 5.72% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.41% |
| Interest income on loans | $24.67B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.32T | $2.46T | 4.03% | 15.35% | 19.76% |
| Q4 2023 | $1.33T | $2.50T | 3.95% | 15.21% | 20.62% |
| Q1 2024 | $1.32T | $2.53T | 3.94% | 15.68% | 20.13% |
| Q2 2024 | $1.33T | $2.49T | 3.88% | 15.75% | 20.33% |
| Q3 2024 | $1.35T | $2.53T | 3.79% | 15.58% | 20.06% |
| Q4 2024 | $1.36T | $2.52T | 3.71% | 15.37% | 20.93% |
| Q1 2025 | $1.37T | $2.60T | 3.72% | 15.24% | 19.25% |
| Q2 2025 | $1.43T | $2.67T | 3.74% | 15.21% | 19.13% |
| Q3 2025 | $1.46T | $2.65T | 3.62% | 14.92% | 18.78% |
| Q4 2025 | $1.50T | $2.70T | 3.62% | 14.90% | 19.07% |
| Q1 2026 | $1.52T | $2.79T | 3.52% | 15.64% | 18.10% |
| Q2 2026 | $1.56T | $2.82T | 3.44% | 15.49% | 18.26% |
JPMorgan Chase Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock JPMorgan Chase Bank, N.A., freeSource: Call Report Schedule RC-C, 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 JPMorgan Chase Bank, N.A. profile, peer group comparison, or how this data updates.
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