UBPR & Ratios
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Noninterest Income: Benchmarks, Examiner Focus, and Fee Mix
At the median community bank, noninterest income accounts for roughly 15–20% of total revenue. A few high-performing institutions, particularly those with trust departments, SBA …
How to Read a Bank Balance Sheet (Schedule RC)
At the end of 2022, the banking industry's aggregate AOCI balance swung to negative $326 billion, about -14.7% of total reported equity, after touching …
De Novo Banks: How to Analyze a Bank With No Track Record
From 2010 through 2017, exactly nine new bank charters were approved in the United States. In a typical pre-crisis year, regulators approved 100 to …
How to Read Schedule RC-C: The Loan Portfolio Breakdown
At the average community bank, commercial real estate loans now represent roughly 40–45% of total loans, and in many $500M–$2B institutions that number runs …
Tangible Common Equity (TCE): What It Measures
In March 2023, Silicon Valley Bank had a CET1 ratio above 15 percent, technically well-capitalized by every regulatory threshold. Its tangible common equity ratio …
Bank Peer Group Analysis: A Step-by-Step Guide
Tell someone a bank has a 3.5% [net interest margin](https://www.bankregreports.com/blog/what-is-net-interest-margin/) and you have told them almost nothing. Is that good? Depends entirely on whether …
What Is the FR Y-9C? A Guide to Holding Company Reports
Pull up JPMorgan Chase Bank, N.A. on the FFIEC call report and you see a $3.4 trillion institution. Pull up JPMorgan Chase & Co. …
ROA vs. ROE for Banks: Profitability Ratios Explained
The FDIC reported an aggregate industry ROA of 1.24% for Q4 2025. In that same quarter, dozens of community banks posted ROE well above …
How to Look Up a Bank: FDIC Certificate Number and RSSD ID
There are roughly 3,800 FDIC-insured commercial banks in the United States, and about 4,300 insured institutions in total once savings institutions are included (Q1 …
What Is the Bank Efficiency Ratio? Formula and Drivers
In 2023, the median efficiency ratio for U.S. community banks crossed 65% for the first time in a decade, not because banks got worse …