BANKING INDUSTRY PERFORMANCE
(Data updated quarterly as Call Reports are filed; Click on any image to enlarge.)
The ratios shown below are the median ratio for all banks within the specific asset segment. The graphs that follow are segmented by bank total assets size in order to present trends across all segments of Community Banking industry (using simplistic definition as banks and thrifts with under $10 billion in total assets). This view provides a better perspective on activity and performance among the large population of community banks and thrifts that serve local communities across the U.S.
Data is as of Q4 2023 from FDIC Call Reports. Performance ratios are the median value within each peer group.
INDUSTRY CONSOLIDATION
BANKING CONSOLIDATION RATE
DE NOVO BANK REPLENISHMENT RATE
PROFITABILITY
Return on Average Assets
Return on Equity
CAPITAL ADEQUACY
Tier 1 Leverage Ratio
Total Capital Ratio
LOAN QUALITY
Net Charge-off Ratio
Non-current Loan Ratio
OPERATING EFFICIENCY
Efficiency Ratio (Non-interest expenses divided by Net interest income + non-interest income)
Non-interest Expense Ratio (Non-interest expense divided by average total assets)
REVENUE MEASURES
Net Interest Margin
Non-interest Income Ratio (Non-interest income divided by average total assets)