Discover Bank
Greenwood, DE · Cert 5649 · Peer group: banks over $10B in assets (n=157)
FDIC · 2 branches
Q1 2025
$145.4BAssets
$117.4BLoans
$114.3BDeposits
$14.2BEquity
Executive Summary
- Strongest standing: return on assets outperforms 97% of banks over $10B in assets (rank 5 of 157).
- Widest gap: net charge-offs / loans trails 97% of banks over $10B in assets (rank 154 of 157).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
2.90%
Rank 5 of 157
Net Interest Margin
10.21%
Rank 4 of 157
Efficiency Ratio
34.15%
Rank 14 of 157
Equity / Assets
9.78%
Rank 107 of 157
Non-interest income vs. expense
Unfavorable gap of $4.4B · efficiency ratio beats 92% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.90% | 0.71% | 1.05% | 1.30% | Beats 97% | 5 / 157 | | |
| Return on Equity | 29.62% | 6.37% | 9.49% | 11.74% | Beats 97% | 4 / 157 | | |
| Net Interest Margin | 10.21% | 2.63% | 3.00% | 3.32% | Beats 97% | 4 / 157 | | |
| Efficiency Ratio | 34.15% | 50.94% | 58.20% | 64.54% | Beats 92% | 14 / 157 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.87% | 0.43% | 0.71% | 1.09% | Beats 10% | 143 / 157 | | |
| Net Charge-Offs / Loans | 1.56% | 0.02% | 0.06% | 0.12% | Beats 3% | 154 / 157 | | |
| Capital |
| Tier 1 Capital Ratio | 11.91% | 12.27% | 13.30% | 15.69% | Beats 17% | 130 / 157 | | |
| Total Risk-Based Capital Ratio | 14.11% | 13.53% | 14.45% | 16.90% | Beats 39% | 95 / 157 | | |
| Equity / Assets | 9.78% | 9.44% | 11.03% | 12.72% | Beats 32% | 107 / 157 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.74% | 73.81% | 83.13% | 89.67% | 95th pctl | 8 / 157 | | |
| Loans / Assets | 80.74% | 58.69% | 68.04% | 73.57% | 93rd pctl | 11 / 157 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |