John Deere Financial, F.S.B.
Middleton, WI · Cert 35237 · Peer group: banks $1B-$10B in assets (n=322-328) · Deere&Company
State savings bank · OCC · 1 branch
Q2 2026
$4.9BAssets
$4.9BLoans
$1.6BDeposits
$886.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of banks $1B-$10B in assets (rank 6 of 328).
- Widest gap: net charge-offs / loans trails 97% of banks $1B-$10B in assets (rank 313 of 322).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.62%
Rank 11 of 328
Net Interest Margin
5.48%
Rank 13 of 328
Efficiency Ratio
24.77%
Rank 6 of 328
Equity / Assets
17.96%
Rank 10 of 328
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 98% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.62% | 0.91% | 1.22% | 1.52% | Beats 97% | 11 / 328 | |
| Return on Equity | 14.57% | 8.43% | 11.45% | 14.43% | Beats 77% | 76 / 328 | |
| Net Interest Margin | 5.48% | 3.03% | 3.45% | 3.83% | Beats 96% | 13 / 328 | |
| Efficiency Ratio | 24.77% | 51.61% | 59.56% | 67.53% | Beats 98% | 6 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.24% | 0.51% | 1.03% | Beats 71% | 93 / 322 | |
| Net Charge-Offs / Loans | 1.49% | 0.01% | 0.03% | 0.10% | Beats 3% | 313 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 19.36% | 11.75% | 13.15% | 15.47% | Beats 89% | 36 / 328 | |
| Total Risk-Based Capital Ratio | 19.36% | 12.63% | 14.15% | 16.46% | Beats 88% | 41 / 328 | |
| Equity / Assets | 17.96% | 9.15% | 10.33% | 12.01% | Beats 97% | 10 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 315% | 76.63% | 87.92% | 95.36% | 100th pctl | 1 / 323 | |
| Loans / Assets | 99.54% | 65.18% | 74.15% | 79.98% | 100th pctl | 1 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |