John Deere Financial, f.s.b.
John Deere Financial, f.s.b. reported total assets of $4.9 bn at Q2 2026, up 8.7% on a year earlier, the 287th largest of 497 banks in our US coverage. John Deere Financial, f.s.b. uses the community bank leverage ratio framework, with a leverage ratio of 19.36%. John Deere Financial, f.s.b. held deposits of $1.6 bn. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), John Deere Financial, f.s.b. climbed from 365th to 125th among 500 US banks between and (1 = highest; FDIC Call Reports).
- John Deere Financial, f.s.b. has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 100.00% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- At 314.07%, the loan-to-deposit ratio of John Deere Financial, f.s.b. sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 88.61% (FDIC Call Reports).
What sets John Deere Financial, f.s.b. apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower efficiency ratio than John Deere Financial, f.s.b., at 24.77% in ; the group median is 56.87%.
- John Deere Financial, f.s.b. has one of the highest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 19.36% at , against a median of 10.45% across 339 banks.
- At 2.36%, the net charge-offs to average loans of John Deere Financial, f.s.b. sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.06%.
How large is John Deere Financial, f.s.b.?
The balance sheet of John Deere Financial, f.s.b. at : assets $4.9 bn, deposits $1.6 bn, net loans $4.9 bn (loans equal to 314.07% of deposits). Since , when John Deere Financial, f.s.b. held $2.3 bn, its assets grew 112.9%. In the year to , deposits at John Deere Financial, f.s.b. rose 2.4% while its total assets rose 8.7%. At , John Deere Financial, f.s.b. employed 87 full-time equivalent staff across 1 office, about $56.7 mn of assets per employee and $1.6 bn of deposits per office.
How much funding at John Deere Financial, f.s.b. is uninsured?
At John Deere Financial, f.s.b., uninsured deposits (above the FDIC limit) made up 100.00% of domestic deposits at (+0.02 pp on a year earlier); John Deere Financial, f.s.b. ranks 2nd of 500 on this measure. In dollars, John Deere Financial, f.s.b. estimated $1.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $1.6 bn | +2.4% | 498th of 499 |
| Net loans and leases | $4.9 bn | +8.6% | 215th of 500 |
| Loan-to-deposit ratio | 314.07% | +17.93 pp | 1st of 500 |
| Net interest margin | 6.11% | -0.18 pp | 21st of 500 |
| Return on assets (ROA) | 3.11% | +1.39 pp | 12th of 500 |
| Efficiency ratio | 24.77% | -0.86 pp | 12th of 500 (1 = lowest) |
| Noncurrent loans to total loans | 0.27% | -0.02 pp | 93rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 2.36% | -1.63 pp | 487th of 500 (1 = lowest) |
US rank of John Deere Financial, f.s.b.: 1 = highest unless marked 1 = lowest.
Balance sheet
John Deere Financial, f.s.b.: assets, deposits and loans
- Total assets $4.9bn
- Deposits $1.6bn
- Net loans $4.9bn
Capital and securities
John Deere Financial, f.s.b. uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 19.36% in . Equity capital of John Deere Financial, f.s.b. at : $886.4 mn, or 18.0% of total assets.
John Deere Financial, f.s.b.: capital ratios
- Total capital 22%
- CET1 21%
- Tier 1 leverage 19%
John Deere Financial, f.s.b.: unrealized securities gains and losses
- Available for sale $0
- Held to maturity $0
Profitability and loan quality
For the year to , John Deere Financial, f.s.b. earned a return on equity of 15.03%; return on assets: 3.11%. Net interest margin at John Deere Financial, f.s.b.: 6.11%, -0.18 pp in a year. John Deere Financial, f.s.b. net income: $64.6 mn, up 90.9% year on year. The efficiency ratio of John Deere Financial, f.s.b. was 24.77%: about 25 cents cost per revenue dollar, against 49 cents at the median peer.
At , noncurrent loans were 0.27% of total loans at John Deere Financial, f.s.b.; net charge-offs: 2.36% of average loans. Gross loans and leases at John Deere Financial, f.s.b.: $4.9 bn, up 8.5% in a year.
John Deere Financial, f.s.b.: profitability
- Return on equity 15%
- Net interest margin 6.1%
- Return on assets 3.1%
Peer group of John Deere Financial, f.s.b.
The peer group of John Deere Financial, f.s.b. is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of John Deere Financial, f.s.b. (federal savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Wisconsin. Against them, John Deere Financial, f.s.b. shows return on equity 15.03% against a peer median of 15.32% and uninsured deposit share 100.00% against a peer median of 34.58%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First National Bank Alaska | National bank | AK | $5.1 bn | 18.52% | 14.56% | 38.98% | |
| Community Bank of Mississippi | State nonmember bank | MS | $5.1 bn | 13.15% | 13.33% | 35.68% | |
| Bank of Stockton | State nonmember bank | CA | $5.0 bn | 18.81% | 32.23% | 45.23% | |
| John Deere Financial, f.s.b. | Federal savings bank | WI | $4.9 bn | not reported | 15.03% | 100.00% | |
| Dacotah Bank | State member bank | SD | $4.9 bn | 11.27% | 11.27% | 33.47% | |
| Carter Bank & Trust | State member bank | VA | $4.8 bn | 14.34% | 37.13% | 17.71% | |
| Hills Bank and Trust Company | State nonmember bank | IA | $4.8 bn | not reported | 16.08% | 23.81% | |
. FDIC Call Reports.
Last eight quarters
Two years at John Deere Financial, f.s.b., to : assets +7.6%, deposits -4.5%, equity +13.5%. Staff 102 to 87.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.6 bn | $3.4 bn | $3.8 bn | $4.5 bn | $4.8 bn | $3.4 bn | $4.1 bn | $4.9 bn |
| Total deposits | $1.6 bn | $1.3 bn | $1.3 bn | $1.5 bn | $1.6 bn | $1.3 bn | $1.4 bn | $1.6 bn |
| Bank equity capital | $780.8 mn | $827.5 mn | $790.1 mn | $781.3 mn | $769.0 mn | $821.8 mn | $869.5 mn | $886.4 mn |
| Return on equity (ROE) | 20.97% | 21.51% | 21.10% | 8.46% | 17.10% | 19.34% | 22.56% | 15.03% |
| Uninsured share of domestic deposits | 99.98% | 99.98% | 99.98% | 99.98% | 99.96% | 100.00% | 100.00% | 100.00% |
| Full-time equivalent employees | 102 | 99 | 97 | 95 | 91 | 88 | 88 | 87 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at John Deere Financial, f.s.b.
- Total assets at John Deere Financial, f.s.b. changed by +27.1% in the quarter to 2018-06-30, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by +27.7% in the quarter to 2019-06-30, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by -27.8% in the quarter to 2019-12-31, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by +28.4% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by -30.4% in the quarter to 2020-12-31, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by -25.9% in the quarter to 2021-12-31, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by +26.6% in the quarter to 2022-06-30, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by -26.0% in the quarter to 2022-12-31, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by +32.9% in the quarter to 2023-06-30, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by -26.5% in the quarter to 2023-12-31, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by +26.9% in the quarter to 2024-06-30, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by -25.1% in the quarter to 2024-12-31, with no FDIC structure event in that quarter.
- Total assets at John Deere Financial, f.s.b. changed by -28.9% in the quarter to 2025-12-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of John Deere Financial, f.s.b.?
John Deere Financial, f.s.b. reported $4.9 bn at in its Call Report. That makes John Deere Financial, f.s.b. the 287th largest of 497 banks in our US coverage.
Is John Deere Financial, f.s.b. the same as its holding company?
No. This page covers John Deere Financial, f.s.b., FDIC certificate 35237; DEERE&COMPANY (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is John Deere Financial, f.s.b. profitable?
John Deere Financial, f.s.b. reported net income of $64.6 mn for the year to ; annualized return on equity: 15.03%. So yes: John Deere Financial, f.s.b. made a profit over these months.
When is data for John Deere Financial, f.s.b. next updated?
Figures from John Deere Financial, f.s.b. for are due after .
Where can I check the figures for John Deere Financial, f.s.b.?
In the FDIC BankFind Suite record for certificate 35237, and in the Call Reports of John Deere Financial, f.s.b. (RSSD ID 2992547) at the FFIEC Central Data Repository.