Total Assets
$70M
Total balance-sheet footings
FDIC Cert #21761 · Dearborn, Michigan · Est. 1974
JPMorgan Chase Bank, Dearborn - FDIC Bank Health Profile
A community-scale look at JPMorgan Chase Bank, Dearborn's own numbers, pulled straight from its quarterly FDIC Call Report.
- $70M
- Total assets
- A
- Health grade · Excellent
- 3.32%
- Return on assets
- 508.1%
- Tier 1 capital
Data updated July 2026
The verdict
JPMorgan Chase Bank, Dearborn earns a PlainBankData health grade of A (100/100), with well-capitalized at 508.09% Tier 1, profitable at 3.32% ROA, efficient (0% cost ratio).
- #3,978
- largest of 4,313 FDIC banks by assets
- 8th
- percentile by asset size, nationally
- 508.09%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How JPMorgan Chase Bank, Dearborn's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
JPMorgan Chase Bank, Dearborn's composite health score
Tier 1 Capital Ratio (508.09%) 40/40
Return on Assets (ROA) (3.32%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (0.39%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$500K
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where JPMorgan Chase Bank, Dearborn ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. JPMorgan Chase Bank, Dearborn's score of 100/100 falls in the highlighted band.
JPMorgan Chase Bank, Dearborn's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). JPMorgan Chase Bank, Dearborn's $70M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
508.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
508.09%
Texas Ratio
0.00%
Equity Capital
$70M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
3.32%
Return on Equity (ROE)
3.35%
Efficiency Ratio
0.39%
What the numbers say about JPMorgan Chase Bank, Dearborn
JPMorgan Chase Bank, Dearborn is an FDIC-insured institution (Certificate #21761) headquartered in Dearborn, Michigan, established in 1974. It holds $70M in total assets - 3,978th of 4,313 FDIC-insured banks, $500K in customer deposits, and - in net loans. On safety, its Tier 1 capital ratio of 508.09% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, JPMorgan Chase Bank, Dearborn ranks 71st of 73 banks based in Michigan -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
-
Non-Interest Income
$12K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. JPMorgan Chase Bank, Dearborn reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) JPMorgan Chase Bank, Dearborn (FDIC Cert #21761) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is JPMorgan Chase Bank, Dearborn's health grade?▼
JPMorgan Chase Bank, Dearborn receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is JPMorgan Chase Bank, Dearborn?▼
JPMorgan Chase Bank, Dearborn holds $70M in total assets and $500K in deposits, ranking 3,978th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dearborn, Michigan.
Is my money safe at JPMorgan Chase Bank, Dearborn?▼
Yes, deposits at JPMorgan Chase Bank, Dearborn (Certificate #21761) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is JPMorgan Chase Bank, Dearborn's Tier 1 Capital Ratio?▼
JPMorgan Chase Bank, Dearborn has a Tier 1 Capital Ratio of 508.09%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for JPMorgan Chase Bank, Dearborn?▼
JPMorgan Chase Bank, Dearborn has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is JPMorgan Chase Bank, Dearborn?▼
JPMorgan Chase Bank, Dearborn has an Efficiency Ratio of 0.39%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read JPMorgan Chase Bank, Dearborn's profile as a depositor or analyst.
- JPMorgan Chase Bank, Dearborn's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare JPMorgan Chase Bank, Dearborn against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.