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LendingClub Bank, National Association
Lehi, UT·FDIC Cert #32551·Charter: OCC·Est. 19870826.0·HC: LENDINGCLUB CORP
Total Assets
$11.5B
Q4 2025
Return on Assets
1.22%
+0.05%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.52%
Peer avg: 55.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.22%+0.05
ROE
10.81%+0.46
Efficiency
62.52%+0.18
Equity/Assets
0.00%+0.00
NPL Ratio
1.00%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
62.64%+1.86
Charge-offs
2.52%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.9 | 1.2 | 1.2 |
| ROE | 4.2 | 4.5 | 4.7 | 4.4 | 4.1 | 8.4 | 10.3 | 10.8 |
| Efficiency | 72.6 | 71.5 | 69.5 | 68.1 | 64.7 | 63.4 | 62.3 | 62.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 1.3 | 1.2 | 1.4 | 1.1 | 1.0 | 1.0 | 1.0 |
| Charge-offs | 5.9 | 5.4 | 4.8 | 4.4 | 3.4 | 2.8 | 2.5 | 2.5 |
| Loan/Deposit | 68.3 | 62.3 | 63.1 | 60.9 | 60.9 | 62.3 | 60.8 | 62.6 |
Balance Sheet
Total Assets$11.5B
Total Deposits$9.9B
Total Loans$6.2B
Total Equity$1.3B
Profitability
ROA1.22%
ROE10.81%
Efficiency Ratio62.52%
Net Income$131.7M
Risk & Asset Quality
NPL Ratio1.00%
Charge-off Rate2.52%
Loan/Deposit62.64%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans