Business Segments · Overhead ratio
Consumer & Community Banking — Overhead ratio
JPMorgan Chase Consumer & Community Banking — Overhead ratio increased by 5.7% to 56.0% in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 3.7%, from 54.0% to 56.0%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ1 2016
Last reportedQ1 2026May 1, 2026
Rolls up toOverhead ratio
How to read this metric
A lower ratio indicates better operational efficiency and cost control, while a higher ratio suggests rising costs relative to revenue generation.
Detailed definition
This ratio, often referred to as the efficiency ratio, compares non-interest expenses to total net revenue for the consu...
Peer comparison
Standard efficiency ratio used across the banking industry to benchmark operational cost structures.
Metric ID:
jpm_segment_consumer_community_banking_overhead_ratioHistorical Data
17 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | 55% | 58% | 1% | 63% | 61% | 56% | 49% | 48% | 50% | 1% | 53% | 53% | 54% | 54% | 52% | 53% | 56% |
| QoQ Change | — | +5.5% | -98.3% | >999% | -3.2% | -8.2% | -12.5% | -2.0% | +4.2% | -98.0% | >999% | +0.0% | +1.9% | +0.0% | -3.7% | +1.9% | +5.7% |
| YoY Change | — | — | — | — | +10.9% | -3.4% | -22.2% | -21.3% | -10.7% | — | +8.2% | +10.4% | +8.0% | +1.9% | -1.9% | -1.9% | +3.7% |
Range1% – 63%
CAGR+0.5%
Avg YoY Growth-1.5%
Median YoY Growth+0.0%
Current Streak2 quarters growth
Similar Metrics at Other Companies
Frequently Asked Questions
- What is JPMorgan Chase's consumer & community banking — overhead ratio?
- JPMorgan Chase (JPM) reported consumer & community banking — overhead ratio of 56.0% in Q1 2026.
- How has JPMorgan Chase's consumer & community banking — overhead ratio changed year-over-year?
- JPMorgan Chase's consumer & community banking — overhead ratio increased by 3.7% year-over-year, from 54.0% to 56.0%.
- What does consumer & community banking — overhead ratio mean?
- The percentage of revenue consumed by operating expenses in the consumer and community banking division.