Return on assets (ROA): US bank rankings
Beal Bank USA has the highest return on assets (ROA) of the 500 US banks ranked at , at 8.19%, ahead of Bank of Stockton (6.08%) and Comenity Bank (4.96%). Median return on assets (ROA): 1.30%. Source: FDIC Call Reports.
Key takeaways
- The median return on assets (ROA) rose to 1.30% from 1.26% between and (FDIC Call Report data).
- Median return on assets (ROA) by size: 1.32% for banks $1 bn to $10 bn, against 1.18% for banks over $100 bn (, FDIC Call Reports).
- 2 banks entered the top 25 by return on assets (ROA) in , including Monet Bank at 7th (FDIC Call Report data).
Ranking, Q2 2026
Rank 1 = highest. Change: places since .
How is return on assets (ROA) distributed?
The middle half of the return on assets (ROA) table: between 1.02% and 1.60%. Top tenth of return on assets (ROA): above 1.99%; bottom tenth: below 0.67%. Far from the rest on return on assets (ROA): Beal Bank USA (8.19%); Bank of Stockton (6.08%); Comenity Bank (4.96%); WebBank (4.68%); WEX Bank (4.30%), and 9 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 500 | 1.02% | 1.30% | 1.60% |
| $1 bn to $10 bn | 339 | 1.04% | 1.32% | 1.62% |
| $10 bn to $100 bn | 126 | 0.99% | 1.25% | 1.56% |
| Over $100 bn | 32 | 1.00% | 1.18% | 1.38% |
What changed since Q1 2026?
Into the top 25: Monet Bank (from 26th), Amboy Bank (from 71st). Out of it: American First National Bank (to 34th), Republic Bank & Trust Company (to 35th).
Biggest climbs: TowneBank (431st to 31st); Liberty Bank (492nd to 255th); West Texas National Bank (349th to 129th); Hingham Institution for Savings (494th to 279th); Zions Bancorporation (348th to 142nd).
Biggest drops: Texas Exchange Bank (186th to 474th); United Business Bank (239th to 492nd); Burke & Herbert Bank & Trust Company (111th to 358th); Community West Bank (203rd to 424th); Stellar Bank (302nd to 496th).
How the return on assets (ROA) ranking is built
Return on assets is annualized net income for the year to date as a percent of average total assets, as calculated by the FDIC (field ROA). It measures profitability independent of how much capital a bank holds. Caveats: banks with large low-yielding balance sheets, such as custody banks, show low returns; subchapter S banks pay no federal income tax at the bank level and so report higher after-tax returns than comparable taxable banks; and year-to-date figures are noisy early in the year.
Questions
Which US bank has the highest return on assets (ROA)?
Beal Bank USA, at 8.19% at , among 500 banks reporting it.
What is the median return on assets (ROA) of US banks?
1.30% at , against 1.26% at .
How is return on assets (ROA) measured?
Annualized net income as a percent of average total assets (FDIC calculation).
When does the return on assets (ROA) ranking change?
Quarterly. figures come after .
Other US bank rankings
Size and balance sheet: Total assets, Total deposits, Net loans and leases, Loan-to-deposit ratio, Total securities, Deposits in domestic offices, Total loans and leases (gross)
Capital: CET1 ratio, Tier 1 leverage ratio, Total risk-based capital ratio, Bank equity capital, Total equity capital
Profitability: Return on equity (ROE), Net interest margin, Efficiency ratio, Net income (year to date)
Asset quality: Noncurrent loans to total loans, Net charge-offs to average loans
Deposits at risk: Uninsured share of domestic deposits, Estimated uninsured deposits
Securities: Available-for-sale securities (fair value), Available-for-sale securities (amortized cost), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value)
Staff and branches: Full-time equivalent employees, Number of offices