efficiency

Occupancy Expense to Assets

Annualized premises and fixed-asset expense as a percentage of average assets.

As of Q1 2026FDICEPREMAGGFDICASSETSource retrieved 2026-08-01

National median

0.25%

Middle half

0.18%0.35%

Direction

Lower is favorable

What it means

Why this metric matters

Occupancy cost reveals the burden of the physical operating footprint. Its trend helps assess whether branch consolidation or investment is improving leverage.

How it is calculated

occupancy_expense_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100

Source fields: EPREMAGG + ASSET. Annualized as described in the methodology.

Read the calculation methodology →

National distribution

Across active reporting banks

4,235 observations · Q1 2026

10th percentile

0.12%

25th percentile

0.18%

Median

0.25%

75th percentile

0.35%

90th percentile

0.46%

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