Return on assets (ROA): US bank rankings
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.
- 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
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 rank | Bank | State | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 121 | -28 | Morton Community Bank | IL | 1.62% | 1.69% | |
| 122 | -58 | Green Dot Bank DBA Bonneville Bank | UT | 1.61% | 1.83% | |
| 123 | +16 | Mercantile Bank | MI | 1.61% | 1.51% | |
| 124 | -3 | VeraBank | TX | 1.61% | 1.57% | |
| 125 | +3 | Bankwell Bank | CT | 1.61% | 1.54% | |
| 126 | -31 | Wilmington Savings Fund Society, FSB | DE | 1.60% | 1.68% | |
| 127 | -4 | Wheaton Bank & Trust | IL | 1.60% | 1.56% | |
| 128 | -11 | Bank OZK | AR | 1.60% | 1.59% | |
| 129 | +220 | West Texas National Bank | TX | 1.59% | 1.05% | |
| 130 | +14 | Bryant Bank | AL | 1.59% | 1.50% | |
| 131 | -15 | Lead Bank | MO | 1.59% | 1.59% | |
| 132 | +37 | JPMorgan Chase Bank | OH | 1.59% | 1.44% | |
| 133 | +2 | Emprise Bank | KS | 1.58% | 1.52% | |
| 134 | -14 | Banco do Brasil Americas | FL | 1.57% | 1.57% | |
| 135 | +7 | Inwood National Bank | TX | 1.57% | 1.51% | |
| 136 | +11 | Centier Bank | IN | 1.57% | 1.50% | |
| 137 | +3 | First Bank | NC | 1.56% | 1.51% | |
| 138 | -11 | First Financial Bank | OH | 1.56% | 1.55% | |
| 139 | +7 | United Bank | VA | 1.56% | 1.50% | |
| 140 | -37 | Morgan Stanley Bank | UT | 1.56% | 1.65% | |
| 141 | +46 | Security Bank of Kansas City | KS | 1.56% | 1.39% | |
| 142 | +206 | Zions Bancorporation | UT | 1.55% | 1.05% | |
| 143 | -12 | Cathay Bank | CA | 1.55% | 1.53% | |
| 144 | +24 | Texas Bank and Trust Company | TX | 1.54% | 1.44% | |
| 145 | +22 | Southern Bank | MO | 1.53% | 1.44% | |
| 146 | +14 | City Bank | TX | 1.52% | 1.46% | |
| 147 | -6 | First American Bank | IL | 1.52% | 1.51% | |
| 148 | same | Charles Schwab Premier Bank, SSB | TX | 1.52% | 1.50% | |
| 149 | -19 | HomeTrust Bank | NC | 1.52% | 1.53% | |
| 150 | -5 | Capital City Bank | FL | 1.52% | 1.50% | |
| 151 | +125 | CIBC Bank USA | IL | 1.51% | 1.22% | |
| 152 | +57 | Quad City Bank and Trust Company | IA | 1.50% | 1.34% | |
| 153 | +3 | Libertyville Bank & Trust Company | IL | 1.50% | 1.47% | |
| 154 | -20 | River Bank & Trust | AL | 1.49% | 1.52% | |
| 155 | -33 | U. S. Century Bank | FL | 1.49% | 1.56% | |
| 156 | +23 | Merchants Bank of Indiana | IN | 1.49% | 1.41% | |
| 157 | +6 | Pinnacle Bank | NE | 1.49% | 1.45% | |
| 158 | -22 | Wilson Bank and Trust | TN | 1.48% | 1.52% | |
| 159 | -1 | Oakstar Bank | MO | 1.48% | 1.47% | |
| 160 | +12 | Hinsdale Bank & Trust Company | IL | 1.48% | 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
- Bank equity capital
- Common equity tier 1 (CET1) ratio
- Deposits in domestic offices
- Efficiency ratio
- Full-time equivalent employees
- Loan-to-deposit ratio
- Total loans and leases (gross)
- Net loans and leases
- Net charge-offs to average loans
- Net income (year to date)
- Net interest margin
- Noncurrent loans to total loans
- Number of offices
- Return on equity (ROE)
- Available-for-sale securities (amortized cost)
- Available-for-sale securities (fair value)
- Held-to-maturity securities (amortized cost)
- Held-to-maturity securities (fair value)
- Total securities
- Tier 1 leverage ratio
- Total assets
- Total deposits
- Total equity capital
- Total risk-based capital ratio
- Uninsured share of domestic deposits
- Estimated uninsured deposits
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.