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Bank Name
10-K Filing for Year Ended December 31, 2022
Total Assets
$250.4B
+5.2% YoY
Total Deposits
$198.7B
+7.8% YoY
Net Income
$4.2B
+12.3% YoY
ROA
1.68%
Industry: 1.25%
Key Banking Ratios
Net Interest Margin
Above Peer Avg3.45%
Industry Avg: 2.98%
+0.15% YoY
Interest income minus interest expense, divided by average earning assets.
Efficiency Ratio
Below Peer Avg58.2%
Industry Avg: 54.7%
-1.2% YoY
Non-interest expense divided by total revenue (lower is better).
Loan to Deposit Ratio
Near Peer Avg82.4%
Industry Avg: 81.9%
+3.1% YoY
Total loans divided by total deposits, measures liquidity risk.
Return on Equity
Above Peer Avg14.8%
Industry Avg: 12.3%
+1.8% YoY
Net income divided by shareholders' equity, measures profitability.
NPL Ratio
Below Peer Avg0.78%
Industry Avg: 1.02%
-0.12% YoY
Non-performing loans divided by total loans, measures credit quality.
Tier 1 Capital Ratio
Above Regulatory12.4%
Regulatory Min: 8.5%
+0.4% YoY
Core capital divided by risk-weighted assets, measures financial strength.
Peer Comparison
| Bank | Assets ($B) | NIM | ROA | ROE | Eff. Ratio | Tier 1 |
|---|---|---|---|---|---|---|
| Your Bank | 250.4 | 3.45% | 1.68% | 14.8% | 58.2% | 12.4% |
| JPMorgan Chase | 3,743.2 | 2.67% | 1.42% | 17.3% | 55.1% | 14.2% |
| Bank of America | 3,051.3 | 2.52% | 1.21% | 14.8% | 61.3% | 12.8% |
| Wells Fargo | 1,878.3 | 3.11% | 1.05% | 11.2% | 67.5% | 11.4% |
| Citigroup | 2,416.3 | 2.89% | 1.32% | 13.7% | 58.9% | 13.1% |
| U.S. Bancorp | 674.5 | 3.22% | 1.56% | 15.1% | 54.3% | 12.9% |