Largest bank holding companies
Credit and earnings measures for the 20 largest bank holding companies by insured bank assets, each taken as the sum of the banks it owns, through Q2 2026.
How are credit costs, reserves, margins and growth moving at the largest bank holding companies?
- The combined figures for the latest quarter
- Trends in credit, margin, efficiency and growth
- Each group's latest figures
How to read this: Each group is the sum of the insured banks its holding company owns today; nonbank and foreign parts of the company are not included. Charge-off and margin rates are annualized: the quarter's amount times four over the average balance. “Combined” sums all 20 groups before dividing.
What the data shows
- 1.The 20 largest bank holding companies own 36 insured banks with $17.7T in assets in Q2 2026.
- 2.Net charge-offs to average loans, annualized, for the 20 groups combined rose from 0.27% to 0.64% from Q3 2022 to Q2 2026. See exhibit →
Trends since Q3 2022
Exhibit 1
Net charge-offs to average loans, annualized, for the 20 groups combined rose from 0.27% to 0.64% from Q3 2022 to Q2 2026.
Net charge-offs to average loans, annualized, 20 largest bank holding companies combined, quarterly, Q3 2022 to Q2 2026
How to read this: Loans charged off less recoveries in the quarter, times four, over the average of the quarter-end loan balance and the one before it.
Exhibit 7
The 20 largest bank holding companies, Q2 2026.
Insured bank assets and the measures above for each group, Q2 2026; rates annualized
How to read this: Groups in order of insured bank assets, each named for its largest bank. Charge-off rate and margin are annualized; growth compares with four quarters earlier.
| Group (largest bank) | Bank assets | Net charge-off rate | Provision to net charge-offs | Reserves to noncurrent loans | Net interest margin | Efficiency ratio | Loan growth | Deposit growth |
|---|---|---|---|---|---|---|---|---|
| JPMorgan Chase Bank, National Association and 1 other bank | $4.09T | 0.61% | 1.1× | 213% | 2.82% | 54% | 9.4% | 5.7% |
| Bank of America, National Association and 1 other bank | $2.67T | 0.46% | 1.0× | 166% | 2.53% | 54% | 5.8% | 0.6% |
| Citibank, National Association and 1 other bank | $1.98T | 1.10% | 1.0× | 355% | 2.99% | 52% | 8.5% | 9.5% |
| Wells Fargo Bank, National Association and 3 other banks | $1.92T | 0.35% | 1.0× | 133% | 3.11% | 53% | 11.3% | 11.6% |
| Goldman Sachs Bank USA | $759B | 0.43% | 0.3× | 54% | 1.85% | 38% | 19.6% | 22.3% |
| U.S. Bank National Association | $706B | 0.53% | 1.0× | 128% | 2.88% | 55% | 8.1% | 2.3% |
| Morgan Stanley Bank, National Association and 1 other bank | $670B | 0.02% | 0.9× | 108% | 1.53% | 34% | 20.2% | 21.0% |
| Capital One, National Association | $662B | 3.22% | 0.8× | 337% | 8.54% | 54% | 2.2% | 3.0% |
| PNC Bank, National Association | $610B | 0.25% | 0.8× | 169% | 3.37% | 62% | 7.4% | 0.3% |
| Truist Bank | $548B | 0.50% | 1.0× | 208% | 3.14% | 55% | 3.9% | 0.4% |
| All 20 combined | $17.7T | 0.64% | 0.9× | 188% | 2.97% | 55% | 9.5% | 7.0% |
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