The Flaw of Averages

Is the yardstick built for a bank like yours? · Q2 2026 · Powered by Amberoon

Data through June 30, 2026 · Next refresh: mid-November 2026 (Q3 2026, about 45 days after the October 30 Call Report deadline)

The industry average is a real number that describes almost nobody. It is a ratio of sums, so the largest balance sheets set it, and the typical bank sits nowhere near it. Pick your bank, then change the yardstick and watch your position move while nothing about your bank changes.

Where you sit in the whole population

Every retained ratio, you and your peers

Scroll the table sideways to see every ratio.

The Flaw of Averages

Where you sit in the whole population

Every retained ratio, you and your peers

The size ladder

Which metrics matter at your size

Six quarters