Consumer Community Banking — Overhead ratio
Business Segments · Overhead ratioJPMorgan Chase Consumer Community Banking — Overhead ratio increased by 1.9% to $0.53 in Q3 2025 compared to the prior quarter. Year-over-year, this metric declined by 1.9%, from $0.54 to $0.53. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ1 2016
Last reportedQ3 2025
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
14 periods
| Q2 '21 | Q3 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $0.55 | $0.58 | $0.63 | $0.61 | $0.56 | $0.49 | $0.48 | $0.50 | $0.53 | $0.53 | $0.54 | $0.54 | $0.52 | $0.53 |
| QoQ Change | — | +5.5% | +8.6% | -3.2% | -8.2% | -12.5% | -2.0% | +4.2% | +6.0% | +0.0% | +1.9% | +0.0% | -3.7% | +1.9% |
| YoY Change | — | — | — | +10.9% | -3.4% | -22.2% | -21.3% | -10.7% | +8.2% | +10.4% | +8.0% | +1.9% | -1.9% | -1.9% |
Range$0.48 – $0.63
CAGR-1.1%
Avg YoY Growth-2.0%
Median YoY Growth-1.9%
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Frequently Asked Questions
- What is JPMorgan Chase's consumer community banking — overhead ratio?
- JPMorgan Chase (JPM) reported consumer community banking — overhead ratio of $0.53 in Q3 2025.
- How has JPMorgan Chase's consumer community banking — overhead ratio changed year-over-year?
- JPMorgan Chase's consumer community banking — overhead ratio decreased by 1.9% year-over-year, from $0.54 to $0.53.
- What does consumer community banking — overhead ratio mean?
- The percentage of revenue consumed by operating expenses in the consumer and community banking division.