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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

JPMorgan Chase Bank N.A.

Columbus, Ohio · $4091.32B in assets · beside the 7 other Ohio banks over $10B

The filing

55.4%
Loans / deposits
1st of 8
8.3%
Equity / assets
8th of 8
54.5%
Efficiency
1st of 8

JPMorgan Chase Bank N.A. is the largest of the 8 Ohio banks over $10B, with $4091.32B in assets at 30 June 2026. Loans are 55.4% of deposits, the lowest in the cohort against a median of 76.8%, and equity is 8.3% of assets, the lowest in the cohort. Loans grew +9.4% in the year, 5th of 8, and deposits grew 5.7%; the cohort's median loan growth is +13.0%.

Noncurrent loans are 0.78% of the book, 3rd of 8 against a median of 0.85%; 0.46% is 30 to 89 days past due, and the allowance covers them 2.1 times. Net charge-offs are 0.60% of loans, the highest in the cohort. Commercial real estate is 10.6% of loans, 3rd of 8 against a median of 12.3%, and 51% of capital, below the 300% screen, with construction at 6% against the 100% screen.

Return on assets is 1.54%, 2nd of 8 against a median of 1.25%, on an efficiency ratio of 54.5%, the lowest in the cohort. Five years ago it was 1.26%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsOH banks over $10B · 30 June 2026 · lower is stronger, listed first
median 76.8% JC JPMorgan Chase Bank N.A. 55.4% KN KeyBank National Association 70.6% FT Fifth Third Bank N.A. 74.5% US U S Bank National Association 76.3% FF First Financial Bank 77.3% HN Huntington National Bank 84.2% PN Park National Bank 90.3% TF Third Federal Savings & Loan Association of Cleveland 159.7%
Loans, year over yearOH banks over $10B · 30 June 2026 · no better direction, largest first
median +13.0% FT Fifth Third Bank N.A. +45.8% HN Huntington National Bank +40.9% PN Park National Bank +22.2% FF First Financial Bank +16.6% JC JPMorgan Chase Bank N.A. +9.4% US U S Bank National Association +8.1% KN KeyBank National Association +4.3% TF Third Federal Savings & Loan Association of Cleveland +3.6%

SBA 7(a), FY2008 to FY2026

JPMorgan Chase Bank N.A. is the 7th largest 7(a) lender into California of 512, with $1.86B across 9,370 loans, 2.8% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 393 of its 960 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$717M7th of 3083.5%+2.5 pts
Maricopa, AZ$426M3rd of 3035.6%+1.5 pts
Cook, IL$375M3rd of 2825.7%+1.4 pts
Harris, TX$320M6th of 3143.9%+0.6 pts
New York, NY$284M2nd of 20810.1%+5.6 pts
Dallas, TX$255M3rd of 3144.6%+1.1 pts
Orange, CA$237M7th of 2563.2%+3.2 pts
Kings, NY$211M3rd of 1698.5%+3.0 pts
San Diego, CA$180M6th of 2383.3%+1.8 pts
Miami-Dade, FL$151M6th of 2153.8%+2.3 pts
Queens, NY$145M3rd of 1557.6%+4.5 pts
King, WA$135M9th of 1932.9%+1.1 pts
Tarrant, TX$130M6th of 2813.4%-0.0 pts
947 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services7,954$1.25B13.7%3.85%4th of 1,955
Health care & social assistance5,982$1.20B13.2%2.52%6th of 2,172
Construction6,585$992M10.9%3.12%4th of 2,063
Retail trade5,701$927M10.2%1.52%14th of 2,589
Wholesale trade4,064$889M9.8%3.46%3rd of 1,651
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and JPMorgan Chase Bank N.A.
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
JPMorgan Chase Bank N.A.RankCohort median
Total CRE against capital, the 300% screen51%2nd of 867%
Construction against capital, the 100% screen6%2nd of 816%
Construction and land development, share of loans1.2%2nd of 82.7%
Non-owner-occupied nonfarm nonresidential, share of loans2.5%2nd of 85.2%
Total CRE, the guidance definition, share of loans10.6%3rd of 812.3%
CRE growth over 36 months, the third prong+8.7%4th of 8+8.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
JPMorgan Chase Bank N.A.$4091.32B1.5%54.5%0.78%0.60%1.7%55.4%8.3%
U S Bank National Association$705.55B1.2%56.1%1.45%0.52%1.8%76.3%9.8%
Fifth Third Bank N.A.$299.18B0.9%68.0%0.84%0.31%1.6%74.5%12.6%
Huntington National Bank$283.07B1.0%61.7%1.06%0.24%1.7%84.2%11.8%
KeyBank National Association$188.56B1.3%54.9%0.86%0.39%1.3%70.6%9.9%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
JPMorgan Chase Bank N.A.Cohort median
20212026Change20212026Change
Loans$1049.71B$1561.58B+49%$108.07B$145.60B+35%
Deposits$2403.01B$2820.28B+17%$148.24B$192.80B+30%
NPA / loans1.02%0.78%-0.24 pts0.97%0.85%-0.12 pts
Efficiency61.6%54.5%-7.1 pts59.8%56.8%-3.0 pts
ROA1.26%1.54%+0.27 pts1.39%1.25%-0.14 pts

This read was prepared for JPMorgan Chase Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on JPMorgan Chase Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks over $10B
Institution www.jpmorganchase.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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