Return on equity (ROE): US bank rankings

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

WEX Bank ranked first by return on equity (ROE) at Q2 2026 with 51.92%, followed by Ameriprise Bank, FSB (50.95%) and American Express National Bank (41.56%). Rank among 500 banks reporting this metric, 1 = highest; the median bank was at 12.21%. Source: FDIC Call Report data, cross-checked against FFIEC filings.

What changed this quarter (Q1 2026 to Q2 2026)
  • WEX Bank moved to first, ahead of Carter Bank & Trust, first in Q1 2026
  • Median: up from 11.77% to 12.21%
  • Biggest rise in the top 100: TowneBank, from 445th to 83rd
Highest value
51.92%
WEX Bank
Rank 1 of 500 1 = highest
Median bank
12.21%
Middle of the 500 banks ranked
Lowest value
-32.51%
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
441-1North Shore BankWI6.72%6.52%
442-141Community West BankCA6.71%10.58%
443-6Arvest BankAR6.57%6.58%
444-109Bank IndependentAL6.52%9.88%
445-9CTBC Bank Corp. (USA)CA6.33%6.62%
446-13First Carolina BankNC6.19%6.84%
447+15BankNewportRI6.18%5.27%
448+11Third Federal Savings and Loan Association of ClevelandOH6.13%5.38%
449+28Seacoast National BankFL6.11%4.25%
450+1Bank of America CaliforniaCA6.06%5.89%
451+12First Merchants BankIN6.04%5.14%
452sameDollar Bank, Federal Savings BankPA5.92%5.84%
453+4Bank of HopeCA5.90%5.51%
454+13TD BankDE5.87%5.04%
455+13Mascoma BankNH5.86%4.84%
456+7First Guaranty BankLA5.85%5.14%
457-23American Momentum BankTX5.78%6.69%
458-11Wells Fargo Bank South CentralTX5.69%6.11%
459+22BayCoast BankMA5.65%3.96%
460+14Middlesex Savings BankMA5.57%4.54%
461+19Ridgewood Savings BankNY5.53%4.11%
462+28Woori America BankNY5.52%2.88%
463-3Spencer Savings Bank, SLANJ5.41%5.34%
464-3Columbia BankNJ5.31%5.32%
464-9Penn Community BankPA5.31%5.68%
466-10Wells Fargo National Bank WestNV5.30%5.53%
467+17Bangor Savings BankME5.26%3.53%
468-22Forbright BankMD5.25%6.12%
469-368Texas Exchange BankTX4.95%15.77%
470-16Kearny BankNJ4.90%5.74%
471+14Apple BankNY4.83%3.30%
471samePeoplesBankMA4.83%4.68%
473-20EagleBankMD4.50%5.81%
474+8ENCORE BANKAR4.49%3.73%
475-5Bristol County Savings BankMA4.27%4.77%
476+9TBK BANK, SSBTX4.16%3.30%
477sameFirst Internet Bank of IndianaIN4.12%4.25%
478-5Toyota Financial Savings BankNV3.88%4.56%
478+10Industrial and Commercial Bank of China USANY3.88%3.04%
480+3Deutsche Bank Trust Company AmericasNY3.81%3.54%

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 WEX Bank (51.92%, UT), Ameriprise Bank, FSB (50.95%, MN), American Express National Bank (41.56%, UT), Bessemer Trust Company (38.18%, NY) and Beal Bank USA (37.98%, NV). 8 of the top 10 were also in the top 10 in Q1 2026. 2 of the top 10 have their head office in Utah.

How are the values spread?

Half of the 500 banks have a value between 9.16% and 15.03% (the middle two quarters of the table); one in ten is above 18.70% and one in ten below 6.04%. A year earlier, at Q2 2025, the median was 10.52% across 528 banks. The median rose from 11.77% in Q1 2026 to 12.21% in Q2 2026.

11 values lie far from the rest of the table (more than three times the spread of the middle half beyond it): WEX Bank (51.92%); Ameriprise Bank, FSB (50.95%); American Express National Bank (41.56%); Bessemer Trust Company (38.18%, a trust or card bank by name); Beal Bank USA (37.98%); Carter Bank & Trust (37.13%, a trust or card bank by name) 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, 248 moved up the table, 241 moved down and 11 kept their place; the typical bank moved 14 places.

Largest moves up the table from Q1 2026 to Q2 2026: TowneBank (from 445th to 83rd; 6.17% to 16.91%); Barclays Bank Delaware (from 329th to 69th; 10.02% to 17.40%); Beal Bank USA (from 225th to 5th; 12.33% to 37.98%). Largest moves down the table from Q1 2026 to Q2 2026: Optum Bank, Inc. (from 36th to 65th; 20.31% to 17.52%); U. S. Century Bank (from 60th to 86th; 17.47% to 16.79%); American Savings Bank (from 72nd to 92nd; 16.90% to 16.36%).

How is this ranking built?

Annualized net income as a percent of average equity (FDIC calculation; blank when retained earnings are negative). Return on equity (ROE) 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 equity (ROE).

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.