Return on assets (ROA): US bank rankings

500 FDIC-insured banks ranked by return on assets (ROA) at Q2 2026, from each bank's Call Report. 1 = highest.

Beal Bank USA ranked first by return on assets (ROA) at Q2 2026 with 8.19%, followed by Bank of Stockton (6.08%) and Comenity Bank (4.96%). Rank among 500 banks reporting this metric, 1 = highest; the median bank was at 1.30%. Source: FDIC Call Report data, cross-checked against FFIEC filings.

What changed this quarter (Q1 2026 to Q2 2026)
  • Beal Bank USA moved to first, ahead of Carter Bank & Trust, first in Q1 2026
  • Median: up from 1.26% to 1.30%
  • Biggest rise in the top 100: TowneBank, from 431st to 31st
Highest value
8.19%
Beal Bank USA
Rank 1 of 500 1 = highest
Median bank
1.30%
Middle of the 500 banks ranked
Lowest value
-3.56%
SMBC MANUBANK
Rank 500 of 500 1 = highest
Banks ranked
500
Every bank in our coverage that reported it

Sparklines: the last ten years (median and count: every quarter of this ranking). Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.

Ranking, Q2 2026

Rank (1 = highest)Change in rankBankStateQ2 2026Q1 2026
81+6First National Bank of OmahaNE1.79%1.71%
82-15Alerus FinancialND1.78%1.81%
83-10East West BankCA1.77%1.78%
84-25Schaumburg Bank & Trust CompanyIL1.77%1.89%
85-40Macatawa BankMI1.77%1.98%
86-10First Financial BankTX1.77%1.77%
87+14German American BankIN1.76%1.65%
88-22State Bank of Southern UtahUT1.76%1.82%
89-5Amarillo National BankTX1.76%1.74%
90-21Horizon BankIN1.75%1.79%
91+6BancFirstOK1.75%1.68%
92+45Broadway National BankTX1.74%1.52%
93-16Horizon Bank, SSBTX1.74%1.76%
94-5Farmers & Merchants Bank of Central CaliforniaCA1.74%1.71%
95-58International Bank of CommerceTX1.73%2.07%
96-10The Fidelity BankNC1.73%1.72%
97+32Firstrust Savings BankPA1.71%1.53%
98-2National Exchange Bank and TrustWI1.69%1.68%
99-1Orrstown BankPA1.69%1.67%
100+8Preferred BankCA1.69%1.63%
101+9Old Second National BankIL1.69%1.61%
102+2Byline BankIL1.69%1.64%
103-15Principal BankIA1.68%1.71%
104+45First Dakota National BankSD1.68%1.49%
105+20Bank FirstWI1.67%1.56%
106+79Capital OneVA1.67%1.39%
107+12Raymond James BankFL1.67%1.58%
108-1Lake City BankIN1.66%1.63%
109+17Union Bank and Trust CompanyNE1.66%1.56%
110-36Comenity Capital BankUT1.65%1.78%
111+1First Farmers Bank & Trust Co.IN1.65%1.60%
112-12First National Bank AlaskaAK1.65%1.66%
113sameStock Yards Bank & Trust CompanyKY1.64%1.60%
114+1Community Trust Bank, Inc.KY1.64%1.59%
115-16Vantage Bank TexasTX1.64%1.67%
116-11Five Star BankCA1.62%1.64%
117-59Beverly Bank & Trust CompanyIL1.62%1.89%
118-26Sunwest BankUT1.62%1.69%
119-28Wells Fargo Bank South CentralTX1.62%1.69%
120+51Atlantic Union BankVA1.62%1.44%

Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor. Change in rank compares with Q1 2026. Bars: value relative to the largest in the table.

Who leads the table?

The five banks at the top of the table at Q2 2026 were Beal Bank USA (8.19%, NV), Bank of Stockton (6.08%, CA), Comenity Bank (4.96%, DE), WebBank (4.68%, UT) and WEX Bank (4.30%, UT). 7 of the top 10 were also in the top 10 in Q1 2026. 4 of the top 10 have their head office in Utah.

How are the values spread?

Half of the 500 banks have a value between 1.02% and 1.60% (the middle two quarters of the table); one in ten is above 1.99% and one in ten below 0.67%. A year earlier, at Q2 2025, the median was 1.09% across 528 banks. The median rose from 1.26% in Q1 2026 to 1.30% in Q2 2026.

14 values lie far from the rest of the table (more than three times the spread of the middle half beyond it): Beal Bank USA (8.19%); Bank of Stockton (6.08%); Comenity Bank (4.96%); WebBank (4.68%); WEX Bank (4.30%); State Bank of Texas (4.24%) and others. Values like these usually come from special-purpose banks, such as trust, custody, credit card or payment banks, whose balance sheets differ from lending banks; compare them with care.

Which of the top 100 banks moved most?

Between Q1 2026 and Q2 2026, of the 500 banks ranked in both quarters, 251 moved up the table, 238 moved down and 11 kept their place; the typical bank moved 15 places.

Largest moves up the table from Q1 2026 to Q2 2026: TowneBank (from 431st to 31st; 0.78% to 2.17%); Barclays Bank Delaware (from 197th to 27th; 1.37% to 2.40%); TIB (from 206th to 70th; 1.34% to 1.85%). Largest moves down the table from Q1 2026 to Q2 2026: International Bank of Commerce (from 37th to 95th; 2.07% to 1.73%); Macatawa Bank (from 45th to 85th; 1.98% to 1.77%); Schaumburg Bank & Trust Company (from 59th to 84th; 1.89% to 1.77%).

How is this ranking built?

Annualized net income as a percent of average total assets (FDIC calculation). Return on assets (ROA) values are year-to-date, annualized figures from each bank's Call Report for Q2 2026, ranked from highest to lowest (1 = highest).

Full definitions are on the methodology page for return on assets (ROA).

Other US bank rankings

Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. Primary source: FDIC BankFind Suite; cross-check: FFIEC Central Data Repository. Checks: Check A passed, Check B passed.

Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.