#call report
Articles tagged with "call report"
Deposit Beta & Cost of Funds: What Bank Analysts Actually Measure
Between Q1 2022 and Q4 2023, the Fed funds target rate rose 525 basis points. The median community bank saw its cost of funds …
Unrealized Losses on Bank Securities (AFS & HTM): What the Numbers Hide
At year-end 2025, U.S. banks were sitting on **$306.1 billion** in unrealized losses on investment securities. That number is down from the 2022–2023 peak, …
Bank Peer Group Analysis: A Practical 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 …
Nonperforming Loans and the NPL Ratio: What the Number Actually Tells You
At the peak of the 2008 credit cycle, the industry-wide noncurrent loan rate hit 5.4% — nearly one in twenty loan dollars had stopped …
What Is the Net Charge-Off Rate? A Bank Credit Guide
In the fourth quarter of 2009, the net charge-off rate for U.S. commercial banks hit 3.0% annualized — a level that would be catastrophic …
The Largest Banks in America by Assets (2026)
JPMorgan Chase Bank, N.A. alone holds more assets than the entire U.S. banking system did in 1995. That single figure — over $4 trillion …
What Is the FR Y-9C? A Practitioner's 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. …
What Is the Loan-to-Deposit Ratio? A Bank Guide
Three banks failed in 2023 with loan-to-deposit ratios that looked fine on the surface. The ratio was not their problem — their deposit composition …
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 …
What Is CECL? The Allowance for Credit Losses, Explained
In Q1 2020, JPMorgan Chase posted a $6.8 billion provision for credit losses — up from $1.5 billion the prior quarter. The bank's loan …