This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Sioux Falls, SD
Health score
66.5
Total assets
$1976.2B
Bank
Columbus, OH
Health score
77.5
Total assets
$4091.3B
Answer first
Citibank, National Association leads on capitalization and lending quality; JPMorgan Chase Bank, National Association leads on financial health and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
JPMorgan Chase Bank, National Association
Higher TFS health score
Capitalization
Citibank, National Association
Higher comparable capital ratio
Profitability
JPMorgan Chase Bank, National Association
Higher return on assets
Lending quality
Citibank, National Association
Lower problem-loan measure
Growth
JPMorgan Chase Bank, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Citibank, National Association | JPMorgan Chase Bank, National Association |
|---|---|---|
| TFS health score | 66.5/100 | 77.5/100Leads |
| Total assets | $1976.2B | $4091.3B |
| Total deposits / shares | $1547.6B | $2820.3B |
| Tier 1 capital ratio | 7.87%Leads | 7.49% |
| Return on assets | 1.06% | 1.59%Leads |
| Return on equity | 11.69% | 18.55% |
Citibank, National Association
957 branches
JPMorgan Chase Bank, National Association
5,324 branches
Both institutions report branches in 13 states: CA, CT, DC, DE, FL, IL, MD, NJ, NV, NY….
Citibank, National Association
23,444
JPMorgan Chase Bank, National Association
26,641 parent-company
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Observed matched-date windows: Citibank, National Association: 2025-08-14–2026-08-13 · JPMorgan Chase Bank, National Association: 2025-08-14–2026-08-13
Citibank, National Association
0 in TFS registry
JPMorgan Chase Bank, National Association
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Citibank, National Association score | Citibank, National Association ROA | JPMorgan Chase Bank, National Association score | JPMorgan Chase Bank, National Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.83% | — | 1.53% |
| 2024-Q4 | — | 0.78% | — | 1.50% |
| 2025-Q1 | — | 0.87% | — | 1.43% |
| 2025-Q2 | — | 0.84% | — | 1.42% |
| 2025-Q3 | — | 0.87% | — | 1.39% |
| 2025-Q4 | — | 0.85% | — | 1.34% |
| 2026-Q1 | 66.3/100 |
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Coverage boundaries
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.66%Leads | 0.78% |
| Net charge-offs | 1.06% | 0.61%Leads |
| Efficiency ratio | 51.39%Leads | 54.38% |
| Loan-to-deposit ratio | 47.78% | 54.45% |
| Asset growth (YoY) | 7.76% | 7.99%Leads |
| Deposit / share growth (YoY) | 9.50%Leads | 5.66% |
| Branches | 957 | 5,324 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | 15.149 | 9.446Leads |
| 1.06% |
| 77.1/100 |
| 1.44% |
| 2026-Q2 | 66.5/100 | 1.06% | 77.5/100 | 1.59% |