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
121	-8	American Business Bank	CA	15.17%	15.24%
122	+13	MidFirst Bank	OK	15.13%	14.48%
123	same	Farmers & Merchants Bank of Central California	CA	15.04%	14.93%
123	-32	West Coast Community Bank	CA	15.04%	16.06%
125	+17	Tompkins Bank & Trust	NY	15.03%	14.33%
125	-102	John Deere Financial, f.s.b.	WI	15.03%	22.56%
127	+2	Orrstown Bank	PA	14.99%	14.78%
128	-19	Wilson Bank and Trust	TN	14.98%	15.49%
129	+11	First State Community Bank	MO	14.93%	14.36%
130	+16	Independent Bank	MI	14.92%	14.21%
131	+25	Wells Fargo Bank	SD	14.88%	13.75%
132	+2	First National Bank	ME	14.86%	14.54%
133	-34	D. L. Evans Bank	ID	14.79%	15.79%
134	+4	Commercial Bank of California	CA	14.75%	14.38%
135	+31	1st Source Bank	IN	14.72%	13.55%
135	-16	Fremont Bank	CA	14.72%	15.03%
137	-33	The Canandaigua National Bank and Trust Company	NY	14.71%	15.62%
138	+71	Amalgamated Bank	NY	14.63%	12.58%
138	+17	Southern Bank	MO	14.63%	13.80%
140	-1	Oakstar Bank	MO	14.62%	14.37%
141	+163	First Community Bank	VA	14.59%	10.54%
142	-13	First National Bank Alaska	AK	14.56%	14.78%
143	+30	Ally Bank	UT	14.53%	13.39%
143	-23	Horizon Bank	IN	14.53%	15.00%
143	+7	ACNB Bank	PA	14.53%	14.02%
146	-9	Banco do Brasil Americas	FL	14.52%	14.45%
147	-70	Bank Five Nine	WI	14.51%	16.71%
148	-32	First International Bank & Trust	ND	14.47%	15.10%
149	-6	City Bank	TX	14.40%	14.29%
150	+221	Western Alliance Bank	AZ	14.37%	9.01%
151	+16	St. Charles Bank & Trust Company	IL	14.34%	13.53%
152	-5	Poppy Bank	CA	14.33%	14.16%
153	+7	Hinsdale Bank & Trust Company	IL	14.28%	13.68%
154	-68	Republic Bank & Trust Company	KY	14.26%	16.27%
155	-2	United Bank of Iowa	IA	14.25%	13.90%
156	+190	MVB Bank, Inc	WV	14.24%	9.65%
157	+13	UBS Bank USA	UT	14.19%	13.44%
158	-7	Central Pacific Bank	HI	14.16%	13.98%
159	-7	Stock Yards Bank & Trust Company	KY	14.12%	13.94%
160	-6	Inwood National Bank	TX	14.11%	13.89%

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.