#UBPR
Articles tagged with "UBPR"
Unrealized Losses on Bank Securities (AFS & HTM)
At year-end 2025, U.S. banks were still carrying about $306 billion of unrealized losses on investment securities ($99 billion available-for-sale, $207 billion held-to-maturity), well …
Bank Peer Group Analysis: A Step-by-Step Guide
Tell someone a bank has a 3.5% net interest margin and you have told them almost nothing. Is that good? Depends entirely on whether …
Nonperforming Loans and the NPL Ratio Explained
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 performing. …
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 reached 3.3% annualized, a level that would be catastrophic for …
FR Y-9C vs. Call Report: Reading Holding Company Financials
Pull up JPMorgan Chase Bank, N.A. on the FFIEC call report and you see a $4.0 trillion institution. Pull up JPMorgan Chase & Co. …
When a Normal LDR Hides Bank Funding Risk
Three large 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 …
Reading Bank Loss Reserves: Provision, Allowance and Adequacy
In Q1 2020, JPMorgan Chase posted an $8.3 billion provision for credit losses, of which $6.8 billion was a reserve build, up from roughly …
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 4,350 insured institutions in total once savings institutions are included (Q1 …
Why Bank Efficiency Ratios Differ: Peer Context
In 2023 and 2024, the median efficiency ratio for U.S. community banks rose from about 66% to nearly 69%, not because banks got worse …