Digital banks are more likely to turn profitable after reaching $250 million in loan balances
Figure 1. Customer loans vs. net interest income (NII) as % of gross revenue (2024)
Profitable for full-year 2024 (positive ROE)
Reported full-year 2025 profitability
Loss / Negative ROE in 2024
P
= % of banks profitable above line
Note: n=80
Source: TABInsights
Source: TABInsights