# JPMORGAN CHASE BANK NA
COLUMBUS, OH · FDIC certificate 628 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4091.32B | |
| Deposits | $2820.28B | |
| Loans and leases | $1561.58B | |
| Total equity | $341.61B | |
| Loans / deposits | 54.45% (p31 of band) | 72.53% |
| Liquid assets / assets | 37.44% (p66 of band) | |
| Uninsured deposits / deposits | 49.37% (p75 of band) | 42.66% |
| Brokered deposits | 1.34% | |
| Wholesale funding | 14.57% (p75 of band) | |
| FHLB advances / assets | 0.43% | |
| Tier 1 leverage | 7.49% (p19 of band) | 9.44% |
| Unrealized securities loss / equity | -7.25% (p75 of band) | -9.97% |
| AOCI / equity | -1.12% (p28 of band) | |
| ROA (annualized) | 1.59% (p91 of band) | 1.18% |
| Net interest margin | 2.88% (p38 of band) | 3.14% |
| Efficiency ratio | 54.38% (p44 of band) | |
| Noncurrent loans | 0.78% (p44 of band) | 0.85% |
| Net charge-offs (annualized) | 0.24% (p66 of band) | |
| Reserve coverage of noncurrent | 213.18% | |
| Real estate % of loans | 32% | |
| Construction % of loans | 5.50% (p47 of band) | |
| Auto loans | $57.82B (3.70% of loans; DQ 1.26%, NCO 0.01%) | |
| Loans to nondepository financials | $200.98B (59% of equity) (p59 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 226846 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | wholesale funding >15%, leverage <7%, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 5 | capital falling | expense ratio p90, noncurrent p90 |
| 2011-12 | 3 |  | wholesale funding >15%, capital falling |
| 2012-03 | 5 | wholesale funding >15%, expense ratio p90 |  |
| 2012-06 | 4 |  | expense ratio p90 |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | wholesale funding >15% |
| 2013-12 | 2 |  | leverage <7% |
| 2014-03 | 3 | noncurrent p90 |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 4 | deposits shrinking |  |
| 2015-12 | 5 | assets shrinking |  |
| 2016-03 | 3 |  | deposits shrinking, assets shrinking |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 3 |  | noncurrent p90 |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | NIM <2.5% |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, NIM <2.5% |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 1 | loans-to-lenders >50% equity |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-20 [Failed Bank Information for First Republic Bank, San Francisco, CA - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMimAFBVV95cUxOVUpSTGxvR2xhRS1CR0lmZ0NDaGNfMzRLTnp1cWM3N2VQRV9tTmlFVTB1WUxlb3JCX3FwVW1McGF6cnVlS3piNHlmRF9Ba2l4YmMtckJvcS1OcHFxSVNTN1dGY3lLdlNaZE5HbG81WTZtNlRPQ3NnbkJ0cDZDMEV2NktONmpUSzZZSU1ldmU0eDJnOUtjMHVheQ?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-05-04 [How Behavioral Science Is Transforming Trust at JPMorganChase - jpmorganchase.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBrY3h2ZnBkRTVoVlBYWGxpcXFUNDgxWVF4NjM2QXg5bmI3VHVfaEE0VmNhQ3hJR3kwd3RUY1BGU2Rrc1dDV0FqN0JmSjdfN1J6Tk1zX1FnVnMyWC1GOVM0QThQZmpYUnFmemZXdg?oc=5) · jpmorganchase.com
- 2026-06-16 [Update on PPP Loan Forgiveness - Chase Bank](https://news.google.com/rss/articles/CBMid0FVX3lxTE9kSm55NWR1eWhWeDN3WHM5NDZfa3J1eDJadDFGbDltcjRpSm5rbDVJUkpaTTA0ZXRJY3lYZTdHelVGWUJpaDhsSC11Mi00aG1jYnV5b1BGYmlWX2FycG8tM3JHT05Ca0JWNGlTNmlfQmlGMVJ6cjhz?oc=5) · Chase Bank
- 2026-06-25 [AI Cybersecurity: Threats, Funding & Builder Priorities - jpmorgan.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPdGxSRDNsOUlqWEhiODJjWktmZmNaSTk2ejNlV2NxVEZqdE53T3AzeVppVmo5cVVjcDdQOVpHQWJCaEtrOVF0RTNtRDhzMFY0OEVESFk2SlBnRTRRWjNpcm5FZGRZVXl3R2k4ZEpGaVRFMlRwMHZkNFVDSTB5NXo3b0JqbWRCSVI5dXpGRkJiX0JpZlB6NGtZT3U1dTFUbHp6MnM2bkw0X0U1Z2dtZ2UzUTJUbUJaa1E?oc=5) · jpmorgan.com
- 2026-08-25 [JPMorgan Chase plans major Center City office move, sources say - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeDBoaEhKdVpiRlQxYnRyZnJwUE9MSEgyS1pJMUFfZ0NndXZtclZ5M2dsanZYU2xRUDNxYUtXOWRqb0UwQlRyOHY3YmVUV0V4LVkyZDBIcTZqaEZCRXNmZU9ZeWFWTkQtNDZVSlpyWlh2cFFGR0V0S2Q3ZW9XUFVvMGQ0ZGJZbF9md3hqREExMnJHVk96ZjFBcHBXUGpQWHY1MFpXQkkwcw?oc=5) · The Business Journals
- 2026-02-27 [The Federal Reserve establishes capital requirements, including well-capitalized standards ... - SEC.gov](https://news.google.com/rss/articles/CBMifEFVX3lxTE5jZ1IyWXhRVTNjMTZIRVpiN0FxcVAwM1NCVWpva1hzZU1iUlFYal9jWnowXzB4MWpyM2U0N2ZOQjhBcTZ4S3dOVE1yd1F5TTgtclJaU1V2YkJDcGRUVlNXZmZuVXdzZnV6ZElBUGdpOWh3SXM2Z25sbi11Yno?oc=5) · SEC.gov
- 2026-08-31 [JPMorgan Chase celebrates 45th anniversary of US Open partnership - ATM Marketplace](https://news.google.com/rss/articles/CBMipAFBVV95cUxNQzFTcnhNQmZNdms2QjF1ZnVrTXE1NEJpNGVYOE9BS0JLUE9rN20xWlZJa3dqR2NfTWpyXzVQWXhZNWQ4NlBXS1U0R2tSMm5kLWR3aW9pd2JWVVlQbFN1cXVJVkpISzd3cnNhMW5BZ1YwUzR3VnpkRzZfOW84alp1T2QtR21PYmpWX3lGQTV4a2tkR2t1bVdxcXQ4Y0I5MndNVW5tRQ?oc=5) · ATM Marketplace
- 2026-03-13 [JPMorganChase sued over $328M crypto scheme - American Banker](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNXVuYlBESVBCT25lOFlKbVVQTHZXRThUQ1BEZS0wS3lFN1RiTlFrT0hieGZLQjJmVFp0UFJTNU5HdVVmYUJRdEF1SUVyZ0JKc3I0TjNiYnJGVlpxSC1qMlQ1N2EyVWpsT2ZmN203UTBjQ2VaLVh6OTFfckM2bGtjalFMNHU?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=628 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "628", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide