← Back to Institutions
JPMorgan Chase Bank, National Association
Columbus, OH·FDIC Cert #628·Charter: OCC·Est. 18240101.0·HC: JPMORGAN CHASE&CO
Total Assets
$3.8T
Q4 2025
Return on Assets
1.34%
-0.04%Peer avg: 1.14%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.37%
Peer avg: 54.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.34%-0.04
ROE
15.32%-0.56
Efficiency
52.37%-0.10
Equity/Assets
0.00%+0.00
NPL Ratio
0.87%-0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
54.56%+0.47
Charge-offs
0.69%-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 | 1.4 | 1.6 | 1.5 | 1.5 | 1.4 | 1.4 | 1.4 | 1.3 |
| ROE | 15.5 | 18.6 | 17.3 | 16.9 | 16.1 | 16.3 | 15.9 | 15.3 |
| Efficiency | 54.4 | 55.0 | 54.1 | 53.6 | 51.9 | 52.4 | 52.5 | 52.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 0.8 | 0.9 | 0.9 | 0.9 | 0.9 | 0.9 |
| Charge-offs | 0.6 | 0.6 | 0.6 | 0.6 | 0.7 | 0.7 | 0.7 | 0.7 |
| Loan/Deposit | 51.3 | 52.7 | 52.5 | 53.1 | 51.6 | 52.6 | 54.1 | 54.6 |
Balance Sheet
Total Assets$3.8T
Total Deposits$2.7T
Total Loans$1.5T
Total Equity$335.9B
Profitability
ROA1.34%
ROE15.32%
Efficiency Ratio52.37%
Net Income$49.6B
Risk & Asset Quality
NPL Ratio0.87%
Charge-off Rate0.69%
Loan/Deposit54.56%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans