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What are bank assets?

By Roger Raber - Jun. 12, 2023

Bank assets are the money and property owned by the bank as well as any money that it is owed.Loans, securities, and reserves fall into the category of a bank's assets.

Interest-earning loans represent the largest asset that a bank typically possesses. The percentage of a bank's assets that are related to interest-earning loans ranges between 53% and 65%. This is nearly double that of government securities that represent approximately 25% of a bank's total assets. Commercial loans make up approximately 11% of the assets held by U.S. commercial banks.

Banks typically must retain 10% of their deposits. These are known as a bank's reserves and represent another category of assets.

What are bank assets?
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