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John Deere Financial, f.s.b.
Middleton, WI·FDIC Cert #35237·Charter: OCC·Est. 20001224.0·HC: DEERE&COMPANY
Total Assets
$3.4B
Q4 2025
Return on Assets
3.87%
+0.60%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
23.33%
Peer avg: 57.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
3.87%+0.60
ROE
19.34%+2.24
Efficiency
23.33%-0.56
Equity/Assets
0.00%+0.00
NPL Ratio
0.37%+0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
264.12%-27.91
Charge-offs
1.65%-0.56
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 | 4.4 | 2.9 | 4.0 | 4.3 | 4.7 | 1.7 | 3.3 | 3.9 |
| ROE | 20.7 | 14.8 | 21.0 | 21.5 | 21.1 | 8.5 | 17.1 | 19.3 |
| Efficiency | 35.3 | 29.0 | 27.8 | 26.4 | 27.1 | 25.6 | 23.9 | 23.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.3 | 0.3 | 0.4 | 1.3 | 0.3 | 0.3 | 0.4 |
| Charge-offs | 0.9 | 3.1 | 2.1 | 1.7 | 1.1 | 4.0 | 2.2 | 1.7 |
| Loan/Deposit | 263.6 | 278.4 | 279.4 | 253.7 | 282.3 | 296.1 | 292.0 | 264.1 |
Balance Sheet
Total Assets$3.4B
Total Deposits$1.3B
Total Loans$3.4B
Total Equity$821.8M
Profitability
ROA3.87%
ROE19.34%
Efficiency Ratio23.33%
Net Income$154.4M
Risk & Asset Quality
NPL Ratio0.37%
Charge-off Rate1.65%
Loan/Deposit264.12%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans