UBPR Explorer

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Yield

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Cost

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Loan composition —

ST & Other

Investments

Investment composition —

Deposit composition —

Total assets

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FTE employees

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Peer group

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Headquarters

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RSSD

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As of date

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Deposit geography — data coming

Largest deposit concentrations

Data coming

Net income for the quarter alone, not cumulative year to date.

YTD|QTR

Peer 25th–75thPeer median

Net interest income on a tax-equivalent basis, as a percent of average earning assets, annualized year to date.

YTD|QTR

Peer 25th–75thPeer median

Total interest income on a tax-equivalent basis, as a percent of average earning assets, annualized year to date.

YTD|QTR

Peer 25th–75thPeer median

Total interest expense as a percent of average earning assets, annualized year to date. Interest expense is divided by earning assets, not by liabilities, so that yield less cost equals margin.

YTD|QTR

Peer 25th–75thPeer median

Net income as a percent of average total assets, annualized year to date.

Peer 25th–75thPeer median

Net income as a percent of average equity capital, annualized year to date.

YTD|QTR

Peer 25th–75thPeer median

Noninterest income as a percent of average total assets, annualized year to date.

Peer 25th–75thPeer median

Noninterest expense as a percent of net interest income plus noninterest income, year to date.

YTD|QTR

Peer 25th–75thPeer median

Provision for credit losses as a percent of average total assets, annualized year to date. Negative when reserves are released rather than built.

Peer 25th–75thPeer median

Loans 90 or more days past due and still accruing, plus nonaccrual loans, as a percent of gross loans and leases.

Peer 25th–75thPeer median

Gross charge-offs less recoveries, as a percent of average total loans and leases, annualized year to date. Negative when recoveries exceed charge-offs.

Peer 25th–75thPeer median

Cash, interest-bearing balances, fed funds sold, and AFS and HTM securities at fair value, less wholesale funding, as a percent of total assets. Negative when wholesale funding exceeds liquid assets.

Peer 25th–75thPeer median

Cash, bank balances, Treasuries and Ginnie Mae MBS at full value, plus agency debt and Fannie and Freddie MBS less a 15% haircut, capped at 40% of the total, as a percent of total assets. Securities are marked to fair value and net of the pledged share. Not the regulatory LCR measure.

Peer 25th–75thPeer median

Other borrowed money including FHLB advances, plus fed funds purchased, repos and subordinated debt, as a percent of total equity capital.

Peer 25th–75thPeer median

Loans and leases net of the allowance and unearned income, as a percent of total deposits. A net basis, unlike the gross loans used on the mix and asset quality pages.

Peer 25th–75thPeer median

Non-maturity deposits plus time deposits at or below the insurance limit, as a percent of total assets.

Peer 25th–75thPeer median

Book equity capital plus minority interests, as a percent of end-of-period total assets. Not a regulatory ratio, so no threshold line is drawn.

Peer 25th–75thPeer median

Tier 1 capital as a percent of average total assets. Reported by every bank; the CBLR is this same ratio, and electing changes the threshold, not the arithmetic.

Peer 25th–75thPeer median

Common equity tier 1 capital as a percent of risk-weighted assets. Not reported by banks electing the CBLR framework.

Peer 25th–75thPeer median

Total capital, tier 1 plus tier 2, as a percent of risk-weighted assets. Not reported by banks electing the CBLR framework.

Peer 25th–75thPeer median

Change in total assets from the year-ago quarter, as published by the UBPR. Blank where there is no comparable prior year.

Peer 25th–75thPeer median

Change in loans and leases held for investment from the year-ago quarter, as published by the UBPR. Loans held for sale are excluded.

Peer 25th–75thPeer median

Change in total deposits from the year-ago quarter, as published by the UBPR. Domestic and foreign offices combined.

Peer 25th–75thPeer median

Loan growth minus deposit growth, both from the year-ago quarter, as published by the UBPR. Blank if either side is blank. Above zero, loans outran deposits.

Margin (NIM) Yield on EA Cost

Assets as % of EOP assets —

Rate level, quarterly average

Current quarter ()

Quarter avg

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Quarter end

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Trend -- quarterly average (selected quarters)

See yield curve

Quarter end rates —

Curve spread (10yr minus 3mo)

Current spread (10yr minus 3mo)

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See spread trend

10yr minus 3mo (selected quarters)

Current quarter

Spread avg

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Spread end

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See mortgage and prime

30-yr fixed mortgage ()

Quarter avg

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Quarter end

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Mortgage trend (selected quarters)

See prime rate

Bank prime loan rate ()

Quarter avg

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Quarter end

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Prime trend (selected quarters)

See SOFR

90-day average SOFR ()

Quarter avg

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Quarter end

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SOFR trend (selected quarters)

Back to Fed Funds

0 of 5 selected

Field	Value	Source	Pct

Placeholder A

3.42%

Sample metric

Placeholder B

1.18%

Sample metric

Placeholder C

58.3%

Sample metric

Placeholder D

72nd

Peer rank

Placeholder E

$214M

Sample metric

Placeholder F

4.7x

Sample metric