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 rank	Bank	State		Q1 2026
81	+30	First Community Bank	AR	16.94%	15.33%
81	+10	Bryant Bank	AL	16.94%	16.06%
83	+362	TowneBank	VA	16.91%	6.17%
83	-7	Community National Bank	TX	16.91%	16.73%
85	-16	River Bank & Trust	AL	16.87%	17.19%
86	-26	U. S. Century Bank	FL	16.79%	17.47%
87	+6	Libertyville Bank & Trust Company	IL	16.75%	15.99%
88	-20	Morton Community Bank	IL	16.74%	17.22%
89	+1	Oriental Bank	PR	16.60%	16.07%
90	+4	Preferred Bank	CA	16.49%	15.97%
91	-8	The Park National Bank	OH	16.37%	16.45%
92	-20	American Savings Bank	HI	16.36%	16.90%
93	-18	Alerus Financial	ND	16.35%	16.77%
93	+38	Cedar Rapids Bank and Trust Company	IA	16.35%	14.74%
95	-7	Unity Bank	NJ	16.24%	16.12%
96	+30	Hills Bank and Trust Company	IA	16.08%	14.87%
97	-13	Morgan Stanley Private Bank	NY	16.07%	16.40%
97	+5	Amarillo National Bank	TX	16.07%	15.75%
99	+37	Firstrust Savings Bank	PA	16.05%	14.46%
100	-4	Five Star Bank	CA	15.97%	15.85%
100	-50	Beverly Bank & Trust Company	IL	15.97%	18.33%
102	+10	Happen Bank	UT	15.94%	15.29%
102	-2	Farmers Bank & Trust Company	AR	15.94%	15.78%
104	+2	First National Bank of Omaha	NE	15.91%	15.57%
105	+12	BancFirst	OK	15.71%	15.09%
105	+17	Centier Bank	IN	15.71%	14.96%
105	+40	Frandsen Bank & Trust	MN	15.71%	14.24%
108	+17	Union Bank and Trust Company	NE	15.67%	14.91%
109	+6	Bank of Greene	NY	15.59%	15.15%
110	-21	State Bank of Southern Utah	UT	15.58%	16.11%
111	+2	Pinnacle Bank	NE	15.56%	15.24%
112	+203	West Texas National Bank	TX	15.54%	10.25%
113	+5	Lake City Bank	IN	15.52%	15.04%
114	+13	Bankwell Bank	CT	15.51%	14.82%
115	-58	American First National Bank	TX	15.49%	17.75%
116	-19	SoFi Bank	UT	15.41%	15.84%
117	-9	First Financial Bank	TX	15.35%	15.53%
118	-15	Morgan Stanley Bank	UT	15.33%	15.71%
119	-9	Frost Bank	TX	15.30%	15.35%
120	+8	KS StateBank	KS	15.22%	14.80%

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.