BDI

concentration

Net Loans to Assets

Net loans as a percentage of total assets.

As of Q1 2026FDICLNLSNETFDICASSETSource retrieved 2026-08-01

National median

67.6%

Middle half

55.5%76.1%

Direction

Context dependent

What it means

Why this metric matters

The ratio shows how strongly the balance sheet is committed to lending. A high value may support margin while reducing liquidity and increasing credit sensitivity.

How it is calculated

Formula and source fields

net_loans / NULLIF(total_assets, 0) * 100

Source fields: LNLSNET + ASSET. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,245 observations · Q1 2026

10th percentile

41.8%

25th percentile

55.5%

Median

67.6%

75th percentile

76.1%

90th percentile

81.8%
Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    WSB Municipal BankNY
    0.0%
  2. 2
    JPMorgan Chase Bank, DearbornMI
    0.0%
  3. 3
    The Bank of New York Mellon Trust Company, National AssociationCA
    0.0%
  4. 4
    First American Trust, FSBCA
    0.0%
  5. 5
    Deutsche Bank Trust Company DelawareDE
    0.0%
  6. 6
    Liberty Bank, Inc.UT
    0.0%
  7. 7
    Edward Jones Trust CompanyMO
    0.0%
  8. 8
    Stifel Trust Company, National AssociationMO
    0.0%
  9. 9
    Credit First National AssociationOH
    0.0%
  10. 10
    DSRM National BankNM
    0.0%

Highest reported values

  1. 1
    John Deere Financial, f.s.b.WI
    98.5%
  2. 2
    State Bank of IndiaIL
    95.1%
  3. 3
    Financial Federal BankTN
    95.0%
  4. 4
    Industrial and Commercial Bank of China USA, National AssociationNY
    94.1%
  5. 5
    First Bank of the LakeMO
    92.8%
  6. 6
    Ultima Bank MinnesotaMN
    92.7%
  7. 7
    American State BankIA
    92.3%
  8. 8
    Peoples Community Bank SB of Monticello, IndianaIN
    92.0%
  9. 9
    Texana Bank, National AssociationTX
    91.9%
  10. 10
    Home Bank of CaliforniaCA
    91.5%

Continue exploring

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