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Examined: Sat, 25 Apr 2026 19:39:55 GMT

JPMorgan Chase Bank, National Association

RSSD 852218 · OH · Total assets $3,752,662M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
1 finding
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Liquidity Procedure L-03

Uninsured deposit concentration elevated

Citation
Federal Reserve, Review of the Federal Reserve's Supervision and Regulation of Silicon Valley Bank (April 28, 2023); Joint Agency Statement on Liquidity Risk Management (July 28, 2023); FDIC FIL-84-2008, Liquidity Risk Management
Evidence
Total deposits $2,516,998M and insured deposits $938,629M indicate material uninsured-deposit exposure. Uninsured deposits are calculated as total deposits less insured deposits and can be more prone to rapid runoff under stress. Threshold calibration: post-SVB community-bank median uninsured share is 40-55%; this rule fires above 55% because that level requires explicit liquidity contingency planning.
Recommended action
Provide deposit segmentation by customer type, size, relationship tenure, and operational dependency. Update liquidity stress assumptions for uninsured runoff, identify high-confidence contingent funding sources (FHLB, discount window, BTFP collateral pre-positioning), and document board-approved concentration limits and trigger-based escalation.

Key ratios computed

Tier 1 ratio
16.04%
↑ rank 6 of 16 · global
Tier 1 leverage
7.90%
↑ rank 12 of 16 · global
Total capital
17.22%
↑ rank 5 of 16 · global
NPL ratio
0.87%
ACL coverage
205.17%
CRE concentration
40.79%
Construction conc.
5.57%
ROA (annualized)
1.50%
↑ rank 2 of 16 · global
NIM
3.04%
↑ rank 5 of 16 · global
Efficiency ratio
53.64%
↓ rank 6 of 16 · global
Loans / Deposits
54.03%
Brokered / Deposits
2.51%
Uninsured / Deposits
62.71%
Liquid asset ratio
12.96%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$3,459,261M
23Q03$3,267,963M 23Q06$3,382,195M 23Q09$3,385,581M 23Q12$3,395,126M 24Q03$3,503,360M 24Q06$3,510,536M 24Q09$3,584,105M 24Q12$3,459,261M
Tier 1 leverage
7.90%
23Q038.60% 23Q068.44% 23Q098.54% 23Q127.85% 24Q037.95% 24Q068.13% 24Q098.04% 24Q127.90%
Tier 1 RBC ratio
16.04%
23Q0317.26% 23Q0617.00% 23Q0917.26% 23Q1216.16% 24Q0316.02% 24Q0616.37% 24Q0916.17% 24Q1216.04%
ROA (YTD ann.)
1.50%
23Q031.45% 23Q061.57% 23Q091.57% 23Q121.43% 24Q031.36% 24Q061.64% 24Q091.53% 24Q121.50%
NIM (YTD ann.)
3.04%
23Q033.04% 23Q063.07% 23Q093.11% 23Q123.15% 24Q033.05% 24Q063.02% 24Q093.02% 24Q123.04%
Efficiency ratio
53.6%
23Q0349.9% 23Q0648.6% 23Q0949.3% 23Q1252.2% 24Q0354.4% 24Q0655.0% 24Q0954.1% 24Q1253.6%

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