What does consumer & community banking — overhead ratio mean?

This ratio, often referred to as the efficiency ratio, compares non-interest expenses to total net revenue for the consumer and community banking segment. It indicates the cost incurred to generate each dollar of revenue, reflecting the segment's operational efficiency.

JPMorgan Chase JPM Consumer & Community Banking — Overhead ratio

Other segment segments

Asset & Wealth Management

65%0.0%

Commercial & Investment Bank

48%-4.0%

Similar metrics at other companies

BACConsumer Banking — Noninterest expense

$5.84B+0.2%

KEYConsumer Bank — Support and overhead

$334.25M+5.8%

CBNKCommercial Bank — Efficiency ratio

57.2%+2.6pp

COFConsumer Banking — Non-interest expense

$2B+26.4%

FSBWCommercial And Consumer Banking — Cost Of Goods And Services Sold Overhead

$6.09M+13.3%

WTFCCommunity Banking — Total non-interest expense

$299.55M+3.1%

Other financials

Income statement

See full

Revenue$49.8B+10.0%

Net income$16.5B+12.6%

EPS (diluted)$5.94+17.2%

Balance sheet

See full

Cash & equivalents$312.14B-26.7%

Total debt$526.11B+9.3%

Total equity$364.04B+3.6%

Total assets$4.90T+12.5%

Cash flow

See full

Operating cash flow-$211.76B+15.9%

Valuation

See full

Market cap$898.9B+10.8%

Enterprise value$1.11T+25.7%

P/E15.3×+0.9×

P/S4.8×+0.2×

Profitability

See full

Net margin31.5%-1.5pp

Returns & leverage

See full

Return on equity16.5%-0.9pp

Debt / equity1.4×+0.1×

Where this comes from

Reported directly by JPMorgan Chase in its filing.

Tagged under the XBRL concept jpm:SegmentReportingInformationOverheadRatio.

The official record: JPMorgan Chase’s 10-Q, filed May 1, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is JPMorgan Chase's consumer & community banking — overhead ratio?: JPMorgan Chase (JPM) reported consumer & community banking — overhead ratio of 56% 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% to 56%.
What does consumer & community banking — overhead ratio mean?: This ratio, often referred to as the efficiency ratio, compares non-interest expenses to total net revenue for the consumer and community banking segment. It indicates the cost incurred to generate each dollar of revenue, reflecting the segment's operational efficiency.