Universal / Commercial Bank

Deposit-taking, loan-making US bank holding companies that operate multiple business segments (consumer / wealth / commercial / capital markets) on a single regulated balance sheet. Revenue is split between net interest income (NII, the spread on loans + securities funded by deposits and wholesale debt) and noninterest income (fees from cards, service charges, investment banking, trading, asset ma

Each company on its own headline number

TickerCompanyTheir metricPeriodYoYA year ago
USBU.S. BancorpNet interest incomeFY2026-Q2+310000000.0 pts+28000000.0 pts
CUBICustomers Bancorp, Inc.Customers Bancorp Diluted EPSFY2026-Q1+579.3%-79.3%
GBFHGBank Financial Holdings Inc.Gain on sales of loansFY2026-Q2+111.5%-17.8%
KEYKeyCorpOther noninterest incomeFY2026-Q2+50.0%-33.3%
BBTBeacon Financial Corp.Operating EarningsFY2026-Q1+111.6%+32.1%
FIBKFirst Interstate BancSystem, Inc.Total Reported Non-interest RevenueFY2026-Q2+50.1%-3.5%
WSBFWaterstone Financial, Inc.Mortgage Banking Loan OriginationsFY2026-Q1+31.1%-20.1%
BOHBank of Hawaii CorporationDiluted Earnings Per Common ShareFY2025-Q3+29.0%-20.5%
BWFGBankwell Financial Group, Inc.Pre-Tax Pre-Provision Net RevenueFY2026-Q2+53.5%+17.5%
FBKFB Financial CorporationDiluted earnings per common share (Adjusted)FY2026-Q1+31.8%+0.0%
ISTRInvestar Holding CorporationCore Diluted Earnings per Common ShareFY2026-Q2+59.6%+30.6%
OPHCOptimumBank Holdings, Inc.Total DepositsFY2026-Q2+37.7%+15.2%
CCBCoastal Financial CorporationBanking as a Service Program Fee Income - Total Program FeesFY2026-Q2+60.7%+40.6%
RYRoyal Bank of CanadaRoyal Bank of Canada Adjusted Diluted EPSFY2026-Q2+25.0%+6.8%
WTFCWintrust Financial CorporationNon-GAAP Pre-Tax Pre-Provision IncomeFY2026-Q1+19.3%+2.0%
CCitigroup Inc.ServicesFY2026-Q1+20.9%+5.9%
TRSTTrustCo Bank Corp NYOtherFY2026-Q2+23.8%+11.3%
ATLOAmes National CorporationEfficiency RatioFY2026-Q2-5.8 pts-15.3 pts
FSBWFS Bancorp, Inc.Commercial and Consumer Banking Net IncomeFY2026-Q2-2.5%-11.3%
WFCWells Fargo & CompanyDeposit Account revenueFY2026-Q2+8.6%+0.0%
WALWestern Alliance BancorporationTotal depositsFY2026-Q1+19.3%+11.4%
BYByline Bancorp, Inc.Efficiency RatioFY2026-Q1-3.9 pts+1.7 pts
RVSBRiverview Bancorp, Inc.Riverview Trust Company Assets Under ManagementFY2027-Q1+5.8%+0.2%
JMSBJohn Marshall Bancorp, Inc.Efficiency RatioFY2026-Q2-3.4 pts-8.8 pts
HOMBHome Bancshares, Inc.Banking revenueFY2026-Q2+5.4%+0.0%
WTBAWest Bancorporation, Inc.Return on Average EquityFY2025-Q3+4.8 pts-0.5 pts
PEBOPeoples Bancorp Inc.Efficiency Ratio (Reported)FY2026-Q1-2.1 pts+2.7 pts
PBHCPathfinder Bancorp, Inc.Nonperforming Loans to Total LoansFY2026-Q2+2.7 pts-1.5 pts
KFFBKentucky First Federal BancorpTangible Book Value per ShareFY2026-Q4+4.0%+0.7%
WABCWestamerica BancorporationAnnualized Return on Average Common EquityFY2026-Q2+0.1 pts-3.2 pts
FMBHFirst Mid Bancshares, Inc.Adjusted efficiency ratioFY2026-Q2-3.7 pts-1.5 pts
TBBKThe Bancorp, Inc.Net Interest MarginFY2026-Q1-0.2 pts-1.1 pts
INBKZFirst Internet Bancorp - Fixed-Net interest marginFY2026-Q2+0.4 pts-0.4 pts
STTState Street CorporationStandardized common equity tier 1 ratioFY2026-Q2+0.1 pts-0.5 pts
ECBKECB Bancorp, Inc.Net Interest MarginFY2026-Q1+0.6 pts+0.0 pts
CLSTCatalyst Bancorp, Inc.Non-Performing Loans to Total Loans RatioFY2026-Q2+0.4 pts-0.0 pts
HWBKHawthorn Bancshares, Inc.Total Risk-Based Capital RatioFY2026-Q2+1.3 pts+0.8 pts
CZNCCitizens & Northern CorporationNet Interest Margin (Unaudited)FY2025-Q3+0.3 pts-0.1 pts
FFINFirst Financial Bankshares, Inc.Nonperforming Assets as a Percentage of Loans and Foreclosed AssetsFY2026-Q1-0.1 pts+0.3 pts
FHBFirst Hawaiian, Inc.Total DepositsFY2026-Q2-0.1%-0.5%

Where they use the same metric

  • Efficiency Ratio — reported by 124 of 361
  • Return on Average Assets — reported by 118 of 361
  • Net Interest Margin — reported by 117 of 361
  • Net interest margin — reported by 84 of 361
  • Nonperforming Assets — reported by 70 of 361
  • Efficiency Ratio — reported by 67 of 361
  • Return on Average Equity — reported by 66 of 361
  • Deposit Account revenue — reported by 65 of 361

A side-by-side appears only when three or more companies report the same metric under their own definition. Nothing is translated from one company's segment into another's.

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