FDIC State Profiles 

Definitions, Data Sources, and Calculation Methodologies1 

Economic Indicators2 

Total Nonfarm Employment - The percent change from one year ago in the average level of nonfarm 

employment during the listed period (not seasonally adjusted). 

Source: Bureau of Labor Statistics 

Manufacturing - The percent change from one year ago in the average level of manufacturing 

employment during the listed period (not seasonally adjusted). 

Source: Bureau of Labor Statistics 

Other (non-Manufacturing) Goods-Producing - The percent change from one year ago in the average 

level of non-manufacturing employment (typically mining and construction employment) during the listed 

period (not seasonally adjusted). 

Source: Bureau of Labor Statistics 

Private Service-Producing - The percent change from one year ago in the average level of nongovernmental service employment during the listed period (not seasonally adjusted). 

Source: Bureau of Labor Statistics 

Government - The percent change from one year ago in the average level of governmental employment 

during the listed period (not seasonally adjusted). 

Source: Bureau of Labor Statistics 

Unemployment Rate - The number of unemployed divided by the civilian labor force, averaged over the 

listed period (seasonally adjusted). 

Source: Bureau of Labor Statistics Regional Household Employment Survey 

Single-Family Home Permits - The percent change from one year ago of the four-quarter moving total in 

new privately owned single-family housing units authorized during the listed period (not seasonally 

adjusted). 

Source: Bureau of the Census 

Multifamily Building Permits - The percent change from one year ago of the four-quarter moving total in 

new privately owned multifamily building permits authorized during the listed period (not seasonally 

adjusted). 

Source: Bureau of the Census 

Home Price Index - The percent change from one year ago in the home price index (1980 Q1=100). 

Source: Federal Housing Finance Agency 

Nonbusiness Bankruptcy Filings per 1000 People - Bankruptcy filings per 1,000 people during the 

listed period. Quarterly figures are annualized (multiplied by 4). 

Sources: Administrative Office of the U.S. Courts, Bureau of the Census 

Banking Trends3 

Institutions (#) - The number of FDIC-insured institutions headquartered in the state at the end of the 

listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Assets (in millions) - The total reported assets for institutions headquartered in the state as of the 

end of the listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

New Institutions (# < 3 years) - The number of new FDIC-insured institutions headquartered in the state 

as of the end of the listed period. New institutions are insured institutions that were established within the 

previous three years. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Subchapter S Institutions (#) - The number of FDIC-insured Subchapter S corporations headquartered 

in the state as of the end of the listed period. A Subchapter S corporation is treated as a pass-through 

entity, similar to a partnership, for federal income tax purposes. It is generally not subject to any federal 

income taxes at the corporate level. Its taxable income flows through to its shareholders in proportion to 

their stock ownership, and the shareholders generally pay federal income taxes on their share of this 

taxable income. This can have the effect of reducing institutions' reported taxes and increasing their aftertax earnings. The election of Subchapter S status may result in an increase in shareholders' personal tax 

liability. Therefore, some S corporations may increase the amount of earnings distributed as dividends to 

compensate for higher personal taxes. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Past-Due and Nonaccrual Loans / Total Loans - The median ratio of the sum of loans and leases that 

are 30 days or more past due or in nonaccrual status divided by total loans for FDIC-insured institutions 

headquartered in the state as of the end of the listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Noncurrent Loans / Total Loans - The median ratio of the sum of loans and leases 90 days or more 

past due or in nonaccrual status divided by total loans for FDIC-insured institutions headquartered in the 

state as of the end of the listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Loan and Lease Allowance / Total Loans - The median ratio of the applicable reserve for loan and 

lease losses on a consolidated basis divided by total loans for FDIC-insured institutions headquartered in 

the state as of the end of the listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Loan and Lease Allowance / Noncurrent Loans - The median ratio of the applicable reserve for loan 

and lease losses on a consolidated basis divided by loans and leases 90 days or more past due and 

loans and leases in nonaccrual status for FDIC-insured institutions headquartered in the state as of the 

end of the listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Net Loan Losses / Total Loans - The median ratio of net loan losses divided by average total loans for 

FDIC-insured institutions headquartered in the state as of the end of the listed period. Year-to-date 

figures are annualized. Net loan losses are total loans and leases charged off, less amounts recovered on 

loans and leases previously charged off. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Tier 1 Leverage - The median reported Tier 1 leverage ratio for FDIC-insured institutions headquartered 

in the state as of the end of the listed period. Tier 1 capital is the sum of common stockholders' equity, 

noncumulative perpetual preferred stock (including any related surplus), and minority interests in 

consolidated subsidiaries, minus ineligible intangible assets. The Tier 1 leverage ratio is Tier 1 capital 

divided by average total assets (less disallowed intangibles). 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Return on Assets - The median ratio of net income (including gains or losses on securities and 

extraordinary items) divided by average total assets for all FDIC-insured institutions headquartered in the 
 

 

 

 

 

 

 

 

 

 

 

 

state as of the end of the listed period. Year-to-date figures are annualized. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Pretax Return on Assets - The median ratio of pretax net income divided by average total assets for 

FDIC-insured institutions headquartered in the state as of the end of the listed period. Year-to-date 

figures are annualized. This measure is often useful since Subchapter S institutions will have significantly 

different return on asset figures from other insured institutions. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Net Interest Margin - The median ratio of interest income less interest expense divided by average 

earning assets for FDIC-insured institutions headquartered in the state as of the end of the listed period. 

Year-to date-figures are annualized. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Yield on Earning Assets - The median ratio of interest, dividend, and fee income earned on loans and 

investments divided by average earning assets for FDIC-insured institutions headquartered in the state as 

of the end of the listed period. Year-to-date figures are annualized. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Cost of Funding Earning Assets - The median ratio of interest expense paid (primarily on deposits and 

other borrowed money) divided by average earning assets for FDIC-insured institutions headquartered in 

the state as of the end of the listed period. Year-to-date figures are annualized. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Provisions to Average Assets - The median ratio of expenses recognized to increase the allowance for 

credit losses divided by average assets for FDIC-insured institutions headquartered in the state as of the 

end of the listed period. Year-to-date figures are annualized. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Noninterest Income to Average Assets - The median ratio of noninterest income divided by average 

assets for FDIC-insured institutions headquartered in the state as of the end of the listed period. Year-todate figures are annualized. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Overhead to Average Assets - The median ratio of noninterest expense divided by average assets for 

FDIC-insured institutions headquartered in the state as of the end of the listed period. Year-to-date 

figures are annualized. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports. 

Loans to Assets - The median ratio of total loans divided by total assets for FDIC-insured institutions 

headquartered in the state as of the end of the listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Noncore Funding to Assets - The median ratio of the sum of foreign deposits, large time deposits, 

brokered deposits, and other borrowings divided by total assets for FDIC-insured institutions 

headquartered in the state as of the end of the listed period. The definitions for core and noncore funding 

were changed as of first quarter 2010 to reflect the increase in the amount of insurable deposits from 

$100,000 to $250,000. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Long-Term Assets to Assets - The median ratio of assets that mature or reprice in over five years plus 

collateralized mortgage obligations with an expected life greater than three years divided by total assets 

for FDIC-insured institutions headquartered in the state as of the end of the listed period. This item is not 

available for institutions that filed Thrift Financial Reports prior to 2012. Beginning of 2012, all insured 

institutions file Call Reports. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Brokered Deposits (# of Institutions) - The number of FDIC-insured institutions headquartered in the 

state reporting brokered deposit liabilities as of the end of the listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Brokered Deposits to Assets - For FDIC-insured institutions headquartered in the state that have 

brokered deposit liabilities, the median ratio of brokered deposits divided by total assets as of the end of 

the listed period. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Loan Concentrations - The loan concentration ratios conform with adjustments made by the federal 

banking agencies effective March 31, 2020, for measuring credit-related concentrations due to the 

regulatory changes and accounting reporting related to Community Bank Leverage Ratio and Current 

Expected Credit Losses. Prior periods have been adjusted for this change. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Commercial and Industrial Loan Concentration - The median ratio of commercial and industrial 

lending divided by Tier 1 capital plus the applicable reserve for loan and lease losses for FDIC-insured 

institutions headquartered in the state as of the end of the listed period. Only FDIC-insured institutions 

with a positive Tier 1 capital level or a positive applicable reserve for loan and lease losses are included 

when calculating the median. Insured institutions that adopt CECL and elect the transition option have the 

transitional amount of retained earnings subtracted from Tier 1 capital. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Commercial Real Estate Loan Concentration - The median ratio of commercial real estate loans 

divided by Tier 1 capital plus the applicable reserve for loan and lease losses for FDIC-insured institutions 

headquartered in the state as of the end of the listed period. Commercial real estate lending includes 

loans secured by construction, land development, multifamily, and nonresidential properties, as well as 

loans to fund commercial real estate, construction, and land development not secured by real estate. 

Only FDIC-insured institutions with a positive Tier 1 capital level or a positive applicable reserve for loan 

and lease losses are included when calculating the median. Insured institutions that adopt CECL and 

elect the transition option have the transitional amount of retained earnings subtracted from Tier 1 capital. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Construction and Development Loan Concentration - The median ratio of construction and 

development loans divided by Tier 1 capital plus the applicable reserve for loan and lease losses for 

FDIC-insured institutions headquartered in the state as of the end of the listed period. Only FDIC-insured 

institutions with a positive Tier 1 capital level or a positive applicable reserve for loan and lease losses are 

included when calculating the median. Insured institutions that adopt CECL and elect the transition option 

have the transitional amount of retained earnings subtracted from Tier 1 capital. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Multifamily Residential Real Estate Concentration - The median ratio of multifamily residential real 

estate loans divided by Tier 1 capital plus the applicable reserve for loan and lease losses for FDICinsured institutions headquartered in the state as of the end of the listing period. Only FDIC-insured 

institutions with a positive Tier 1 capital level or a positive applicable reserve for loan and lease losses are 

included when calculating the median. Insured institutions that adopt CECL and elect the transition option 

have the transitional amount of retained earnings subtracted from Tier 1 capital. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Nonresidential Real Estate Concentration - The median ratio of nonresidential real estate loans divided 

by Tier 1 capital plus the applicable reserve for loan and lease losses for FDIC-insured institutions 

headquartered in the state as of the end of the listed period. Only FDIC-insured institutions with a positive 

Tier 1 capital level or a positive applicable reserve for loan and lease losses are included when 

calculating the median. Insured institutions that adopt CECL and elect the transition option have the 
 

 

 

 

 

 

 

 

 

 

 

 

 

transitional amount of retained earnings subtracted from Tier 1 capital. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Residential Real Estate Concentration - The median ratio of one-to-four family residential real estate 

loans divided by Tier 1 capital plus the applicable reserve for loan and lease losses for FDIC-insured 

institutions headquartered in the state as of the end of the listed period. Only FDIC-insured institutions 

with a positive Tier 1 capital level or a positive applicable reserve for loan and lease losses are included 

when calculating the median. Insured institutions that adopt CECL and elect the transition option have the 

transitional amount of retained earnings subtracted from Tier 1 capital. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Consumer Loan Concentration - The median ratio of consumer loans divided by Tier 1 capital plus the 

applicable reserve for loan and lease losses for FDIC-insured institutions headquartered in the state as of

the end of the listed period. Only FDIC-insured institutions with a positive Tier 1 capital level or a positive 

applicable reserve for loan and lease losses are included when calculating the median. Insured 

institutions that adopt CECL and elect the transition option have the transitional amount of retained 

earnings subtracted from Tier 1 capital. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Agricultural Loan Concentration - The median ratio of agricultural production and agricultural real 

estate loans divided by Tier 1 capital plus the applicable reserve for loan and lease losses for FDICinsured institutions headquartered in the state as of the end of the listed period. Only FDIC-insured 

institutions with a positive Tier 1 capital level or a positive applicable reserve for loan and lease losses are 

included when calculating the median. Insured institutions that adopt CECL and elect the transition option 

have the transitional amount of retained earnings subtracted from Tier 1 capital. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Banking Profile 

Largest Deposit Markets - A listing of the largest deposit markets in the state, with totals for the number 

of FDIC-insured institutions (not holding companies) reporting offices in that market and their reported 

deposits. Markets include metropolitan areas as defined by the Bureau of Census. Entire deposit markets 

are shown, even for those that overlap state boundaries. 

Source: Information from the FDIC Summary of Deposits Survey 

(https://www7.fdic.gov/sod/sodMarketBank.asp?barItem=2) 

Asset Distribution - A distribution of FDIC-insured institutions in the state according to reported assets 

as of the most recent available Call and Thrift Financial Reports. 

Source: Federal Financial Institutions Examination Council Call Reports and Thrift Financial Reports 

Footnote: 

1 As of the fourth quarter 2018 edition of the State Profiles, Single-Family Home Permits and Multifamily 

Building Permits are calculated as a percentage change from one year ago of the four-quarter moving 

total. Additionally, starting in fourth quarter 2018, Net Loan Losses and all earnings indicators are 

calculated as year-to-date figures annualized, rather than quarterly figures annualized. 2 Growth rates in the Economic Indicators section show the percentage change from the year-ago quarter 

in columns one, two, and three. Growth rates in columns four and five show the percentage change from 

the prior calendar year. 

3 Banking trend indicators are end-of-period data, with the exception of net loans losses to total loan and 

all earnings indicators. For these, data shown in columns one, two, and three are year-to-date 

annualized. Full-year calculations are shown in the last two columns.