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JPMorgan Chase Bank, National Association

$250B+ Specialty: International OH FDIC cert 628

Columbus, OH

5,195 branches across CA · NY · TX · FL · IL · OH · AZ · NJ · MI · WA · IN · GA · PA · CO · LA · MA · OR · VA · WI · CT · NC · MD · NV · TN · KY · UT · MN · MO · SC · OK · DC · ID · WV · AL · DE · RI · KS · NE · NH · AR · IA · NM · ME · MS · MT · SD · ND · VT · WY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 18 banks in the $250B+ peer group nationwide — 1 of 4 in OH.
  • Deposits +5.7% year over year ($2,820.3B on the books).
  • Delinquency rate 0.79%.
  • Return on assets 1.59%.
  • Efficiency ratio 54.38% vs a 52.80% peer average.
  • Loan-to-deposit ratio 54.45% vs a 59.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

18 banks in the $250B+ peer group nationally 4 in OH
View $250B+ leaderboard (OH) →

JPMorgan Chase Bank, National Association has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 0.1% in tier
  • + Profitability Leader: Top 20.0% in tier

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.06% below tier average
  • - Efficiency Ratio 1.58% above tier average
Get updates when JPMorgan Chase Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $4,091.3B
+8.0% YoY +1.9% QoQ
+$3,155.0B $936.3B
-15.8% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Top 0.1% in tier
Total Loans ? $1,535.6B
+9.5% YoY +2.8% QoQ
+$1,126.1B $409.5B
-13.1% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Top 0.1% in tier
Total Deposits ? $2,820.3B
+5.7% YoY +1.2% QoQ
+$2,107.1B $713.2B
-15.8% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Top 0.1% in tier
Return on Assets ? 1.59%
+11.5% YoY +10.2% QoQ
+0.41% 1.17%
+26.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Top 5.6% in tier
Net Interest Margin ? 2.88%
-2.0% YoY -1.2% QoQ
-0.06% 2.94%
-1.8% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 54.38%
+3.7% YoY -0.6% QoQ
+1.58% 52.80%
-5.4% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.79%
-11.1% YoY -7.9% QoQ
+0.01% 0.78%
-21.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 54.45%
+3.6% YoY +1.6% QoQ
-4.59% 59.04%
+5.5% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 23.85%
+1.8% YoY +3.3% QoQ
+7.55% 16.30%
-11.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 0.32%
-9.4% YoY -6.7% QoQ
-0.10% 0.42%
-12.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 15.03%
-3.5% YoY -0.3% QoQ
-0.18% 15.20%
+5.2% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
78%
Non-Interest Income / Assets ? 0.95%
+6.6% YoY +105.0% QoQ
+0.31% 0.64%
-10.8% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Top 11.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 23.8%
+0.4pp YoY
+0.8pp QoQ
 +7.5pp 16.3% 18.8% 22.2% 67%
Brokered Deposits 1.9%
-0.7pp YoY
+0.2pp QoQ
 -5.0pp 7.0% 7.7% 8.5% 17%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 15.7%
+0.3pp YoY
-0.2pp QoQ
 -3.8pp 19.6% 10.2% 12.5% 38%
CRE 11.7%
-0.5pp YoY
-0.2pp QoQ
 -0.5pp 12.2% 34.2% 41.4% 40%
1-4 Family 21.0%
-2.0pp YoY
-0.5pp QoQ
 +0.4pp 20.6% 50.0% 31.3% 53%
Consumer 18.6%
-0.9pp YoY
+0.2pp QoQ
 +1.7pp 16.9% 4.7% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 15.0%
-0.5pp YoY
-0.1pp QoQ
 -0.1pp 15.2% 22.1% 19.7% 72%
Leverage Ratio 7.5%
-0.2pp YoY
-0.1pp QoQ
 -1.3pp 8.8% 12.9% 12.6% 22%
Total Capital Ratio 16.2%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 16.3% 23.2% 20.8% 67%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 226,846
+155 (+0.1%) YoY
-412 (-0.2%) QoQ
 +163,287 63,559 2,433 482 94%
Assets per Employee ($) $18.0M
+7.9% YoY
+2.0% QoQ
 -$43.0M $61.1M $7.6M $8.8M 67%
Branch Count 5,176
+141 (+2.8%) YoY
+39 (+0.8%) QoQ
 +3,768 1,407 81 18 94%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 38%
Nonaccrual 0.6%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 0.6% 0.6% 1.0% 44%
Allowance Coverage 2.13x
+7.0% YoY
+6.5% QoQ
 0.00x 2.14x 18.95x 20.23x 78%
Net Charge-off Rate (YTD) 0.6%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 0.5% 0.1% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 18.6%
+2.3pp YoY
+1.9pp QoQ
 +6.1pp 12.4% 9.7% 11.6% 89%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 2.2% 1.7% 1.7% 44%
Net Income ($, YTD) $31.3B
+21.4% YoY
— QoQ
 +$25.5B $5.9B $259.3M $40.4M 94%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#1 of 5 • Top 0.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.95%
(Tier: 0.64%, National: 0.66%)
better than tier avg
Return on Assets: 1.59%
(Tier: 1.17%, National: 1.30%)
better than tier avg
5 of 5 Titans banks match · 923 nationally
→ Stable

Profitability Leader

growth
#2 of 5 • Top 20.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.59%
(Tier: 1.17%, National: 1.30%)
better than tier avg
5 of 5 Titans banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 18 peers in $250B+

Top Strengths (6 metrics)

1
Total Assets
size
Value: $4091.32B
Peer Median: $936.28B
#1 of 18 Top 0.1% in $250B+
1
Total Loans
size
Value: $1535.63B
Peer Median: $409.50B
#1 of 18 Top 0.1% in $250B+
1
Total Deposits
size
Value: $2820.28B
Peer Median: $713.22B
#1 of 18 Top 0.1% in $250B+
2
Return on Assets
profitability
Value: 1.59%
Peer Median: 1.17%
#2 of 18 Top 5.6% in $250B+
3
Non-Interest Income / Assets
revenue_mix
Value: 0.95%
Peer Median: 0.64%
#3 of 18 Top 11.1% in $250B+
5
Tier 1 Capital Ratio
capital
Value: 15.03%
Peer Median: 15.20%
#5 of 18 Top 22.2% in $250B+

Top Weaknesses (0 metrics)

No weakness rankings available
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