BlastPoint's Banking Scorecard
JPMorgan Chase Bank, National Association
Titans
Specialty: International
OH
FDIC cert 628
Columbus, OH
16
banks in Titans tier nationally
2 in OH
View Titans leaderboard (OH) →
JPMorgan Chase Bank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 33% in Titans
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50% in Titans
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3,752.7B
+8.5% YoY
-1.6% QoQ
|
+$2,800.3B |
$952.4B
-3.6% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$1,472.0B
+10.2% YoY
+2.7% QoQ
|
+$1,053.5B |
$418.5B
-0.2% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$2,697.8B
+7.2% YoY
+1.8% QoQ
|
+$1,958.0B |
$739.8B
-3.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.34%
-10.6% YoY
-3.0% QoQ
|
+0.23% |
1.11%
+7.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
2.96%
-2.8% YoY
+0.7% QoQ
|
+0.49% |
2.47%
+1.2% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
52.37%
-2.4% YoY
-0.2% QoQ
|
-3.50% |
55.86%
+1.9% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.87%
-1.7% YoY
-5.1% QoQ
|
+0.01% |
0.86%
-12.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
54.56%
+2.8% YoY
+0.9% QoQ
|
-1.12% |
55.68%
+5.4% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
23.18%
-6.4% YoY
-2.1% QoQ
|
+8.39% |
14.80%
-14.8% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.36%
-0.5% YoY
-1.2% QoQ
|
-0.08% |
0.44%
-9.5% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
15.29%
-4.7% YoY
-2.6% QoQ
|
-0.23% |
15.52%
+8.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
1.77%
+2.9% YoY
+33.8% QoQ
|
+0.51% |
1.25%
-5.5% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#2 of 4 · Top 33% in Titans
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.77%
(Tier: 1.25%, National: 0.65%)
Return on Assets:
1.34%
(Tier: 1.11%, National: 1.12%)
4 of 4 Titans banks match
·
441 nationally
→ Stable
+4 banks QoQ
Concerns (1)
Margin Compression
decline
#2 of 3 · Bottom 50% in Titans
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.34%
(Tier: 1.11%, National: 1.12%)
3 of 3 Titans banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Assets
Current: $3,752.7B · Tier avg: $952.4B
100
100th pctile
Total Loans
Current: $1,472.0B · Tier avg: $418.5B
100
100th pctile
Total Deposits
Current: $2,697.8B · Tier avg: $739.8B
88
88th pctile
Non-Interest Income / Assets
Current: 1.77% · Tier avg: 1.25%
81
81th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.11%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 23.18% · Tier avg: 14.80%
69
69th pctile
Efficiency Ratio
Current: 52.37% · Tier avg: 55.86%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.44%
56
56th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 2.47%
56
56th pctile
Tier 1 Capital Ratio
Current: 15.29% · Tier avg: 15.52%
50
50th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.86%
44
44th pctile
Loan-to-Deposit Ratio
Current: 54.56% · Tier avg: 55.68%
Top Weaknesses
44
44th pctile
Loan-to-Deposit Ratio
Current: 54.56% · Tier avg: 55.68%
50
50th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.86%
56
56th pctile
Tier 1 Capital Ratio
Current: 15.29% · Tier avg: 15.52%
56
56th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 2.47%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.44%
69
69th pctile
Efficiency Ratio
Current: 52.37% · Tier avg: 55.86%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 23.18% · Tier avg: 14.80%
81
81th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.11%
88
88th pctile
Non-Interest Income / Assets
Current: 1.77% · Tier avg: 1.25%
100
100th pctile
Total Deposits
Current: $2,697.8B · Tier avg: $739.8B
100
100th pctile
Total Loans
Current: $1,472.0B · Tier avg: $418.5B
100
100th pctile
Total Assets
Current: $3,752.7B · Tier avg: $952.4B