Return on equity (ROE): US bank rankings
WEX Bank has the highest return on equity (ROE) of the 500 US banks ranked at , at 51.92%, ahead of Ameriprise Bank, FSB (50.95%) and American Express National Bank (41.56%). Median return on equity (ROE): 12.21%. Source: FDIC Call Reports.
Key takeaways
- The median return on equity (ROE) rose to 12.21% from 11.77% between and (FDIC Call Report data).
- Median return on equity (ROE) by size: 12.68% for banks $1 bn to $10 bn, against 10.71% for banks $10 bn to $100 bn (, FDIC Call Reports).
- 4 banks entered the top 25 by return on equity (ROE) in , including Beal Bank USA at 5th (FDIC Call Report data).
Ranking, Q2 2026
| Rank | Change | Bank | State | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 1 | +2 | WEX Bank | UT | 51.92% | 46.26% | |
| 2 | same | Ameriprise Bank, FSB | MN | 50.95% | 50.40% | |
| 3 | +2 | American Express National Bank | UT | 41.56% | 42.14% | |
| 4 | +3 | Bessemer Trust Company | NY | 38.18% | 36.90% | |
| 5 | +220 | Beal Bank USA | NV | 37.98% | 12.33% | |
| 6 | -5 | Carter Bank & Trust | VA | 37.13% | 77.85% | |
| 7 | -1 | Comenity Bank | DE | 36.37% | 38.74% | |
| 8 | +1 | First National Bank of America | MI | 34.72% | 33.85% | |
| 9 | +1 | Principal Bank | IA | 33.04% | 33.27% | |
| 10 | +9 | Bank of Stockton | CA | 32.23% | 24.72% | |
| 11 | +1 | The Bancorp Bank | SD | 31.84% | 31.71% | |
| 12 | -4 | Green Dot Bank DBA Bonneville Bank | UT | 29.74% | 34.94% | |
| 13 | +1 | WebBank | UT | 28.37% | 27.71% | |
| 14 | +3 | State Bank of Texas | TX | 27.93% | 26.95% | |
| 15 | -2 | Stride Bank | OK | 27.72% | 28.72% | |
| 16 | -12 | Sallie Mae Bank | UT | 27.51% | 43.20% | |
| 17 | -2 | Charles Schwab Trust Bank | TX | 27.48% | 27.66% | |
| 18 | -2 | InterBank | OK | 27.32% | 27.24% | |
| 19 | -1 | Stifel Bank and Trust | MO | 27.27% | 26.00% | |
| 20 | same | Woodforest National Bank | TX | 24.22% | 24.59% | |
| 21 | +9 | RBC Bank, (Georgia) | GA | 23.77% | 21.57% | |
| 22 | -11 | Pathward | SD | 23.28% | 33.07% | |
| 23 | -1 | First American Trust, FSB | CA | 23.05% | 22.62% | |
| 24 | +3 | Raymond James Bank | FL | 22.98% | 21.83% | |
| 25 | +4 | Northeast Bank | ME | 22.56% | 21.64% | |
| 26 | -5 | Axos Bank | CA | 22.41% | 22.72% | |
| 27 | +29 | The Northern Trust Company | IL | 22.34% | 17.76% | |
| 28 | same | The Central Trust Bank | MO | 22.10% | 21.79% | |
| 29 | +6 | Synchrony Bank | UT | 22.07% | 20.33% | |
| 30 | +1 | FCB Banks | IL | 21.98% | 21.28% | |
| 31 | +93 | Amboy Bank | NJ | 21.96% | 14.92% | |
| 32 | +1 | Banco Popular de Puerto Rico | PR | 21.78% | 20.87% | |
| 33 | -8 | Stifel Bank | MO | 21.10% | 22.12% | |
| 33 | +13 | Lake Forest Bank & Trust Company | IL | 21.10% | 18.59% | |
| 35 | -3 | Esquire Bank | NY | 21.06% | 21.09% | |
| 36 | +1 | Emprise Bank | KS | 21.01% | 20.28% | |
| 37 | -3 | Horizon Bank, SSB | TX | 20.71% | 20.45% | |
| 38 | +7 | Broadway National Bank | TX | 20.65% | 18.63% | |
| 39 | -15 | Village Bank and Trust | IL | 20.63% | 22.44% | |
| 40 | -2 | Charles Schwab Premier Bank, SSB | TX | 20.07% | 20.23% | |
Rank 1 = highest. Change: places since .
How is return on equity (ROE) distributed?
The middle half of the return on equity (ROE) table: between 9.16% and 15.03%. Top tenth of return on equity (ROE): above 18.70%; bottom tenth: below 6.04%. Far from the rest on return on equity (ROE): WEX Bank (51.92%); Ameriprise Bank, FSB (50.95%); American Express National Bank (41.56%); Bessemer Trust Company (38.18%); Beal Bank USA (37.98%), and 6 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 500 | 9.16% | 12.21% | 15.03% |
| $1 bn to $10 bn | 339 | 9.50% | 12.68% | 15.03% |
| $10 bn to $100 bn | 126 | 8.67% | 10.71% | 14.12% |
| Over $100 bn | 32 | 10.00% | 12.56% | 15.33% |
What changed since Q1 2026?
Into the top 25: Beal Bank USA (from 225th), RBC Bank, (Georgia) (from 30th), Raymond James Bank (from 27th), Northeast Bank (from 29th). Out of it: Axos Bank (to 26th), Stifel Bank (to 33rd), Village Bank and Trust (to 39th), John Deere Financial, f.s.b. (to 125th).
Biggest climbs: TowneBank (445th to 83rd); Barclays Bank Delaware (329th to 69th); Western Alliance Bank (371st to 150th); Beal Bank USA (225th to 5th); Hingham Institution for Savings (493rd to 275th).
Biggest drops: Texas Exchange Bank (101st to 469th); Burke & Herbert Bank & Trust Company (162nd to 385th); United Business Bank (319th to 493rd); Coastal Community Bank (333rd to 499th); First Federal Savings and Loan Association of Lakewood (274th to 433rd).
How the return on equity (ROE) ranking is built
Return on equity is annualized net income for the year to date as a percent of average equity capital, as calculated by the FDIC (field ROE). It measures how much profit a bank earns on its owners' capital. Caveats: it is a year-to-date figure, so first-quarter readings rest on three months; a thinly capitalized bank can show a high return on equity for that reason alone; one-off gains, losses or tax items can swing it; and the FDIC leaves it blank when retained earnings are negative.
Questions
Which US bank has the highest return on equity (ROE)?
WEX Bank, at 51.92% at , among 500 banks reporting it.
What is the median return on equity (ROE) of US banks?
12.21% at , against 11.77% at .
How is return on equity (ROE) measured?
Annualized net income as a percent of average equity (FDIC calculation; blank when retained earnings are negative).
When does the return on equity (ROE) 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 assets (ROA), 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