Short version: Of the 1,792 US banks holding at least $500M in assets that reported a return on assets for Q2 2026, the 50th-highest came in at 2.89%. The median across the same group was 1.27%. The top of the table is Square Financial Services, Inc. of Salt Lake City, UT at 37.37%.
What you are looking at
Return on assets is net income over average total assets: the summary number, the one every other ratio on a call report eventually feeds into. It is also the fairest comparison across sizes, because it does not reward a bank for being thinly capitalized the way return on equity does.
A bank earning over 1% is doing well. Sustained readings above 2% mean the business model is doing something unusual, and the table below is mostly a list of those models.
The ranking is built from the FFIEC call reports filed for the period ending June 30, 2026 - the same data the BankingLens dashboard serves, not a sample. Two screens are applied before anything is sorted. Banks under $500M in total assets are left out, because at that size a single lumpy quarter moves a ratio further than any strategy would and a national list becomes a list of accidents. And a charter has to be in the banking business to be ranked: deposits worth at least a quarter of its assets, or loans worth at least a quarter of its assets. That second screen removes 11 trust and custody charters this quarter, whose ratios are arithmetic rather than performance.
1,792 banks clear both screens and reported a return on assets this quarter. 26 of the 50 below link to their own page, where the same figures sit beside the rest of the call report.
The 50 banks, ranked
Click a column header to sort. ROA is the headline number; ROE is the same profit measured against equity instead of assets, which is where leverage shows up.
| # | Bank | HQ | Asset band | ROA | ROE | Assets |
|---|---|---|---|---|---|---|
| 1 | Square Financial Services, Inc. | Salt Lake City, UT | $1B - $3B | 37.37% | 59.78% | $2.1B |
| 2 | Credit One Bank | Las Vegas, NV | $1B - $3B | 25.19% | 91.37% | $2.4B |
| 3 | Titan Bank | Mineral Wells, TX | $500M - $1B | 11.11% | 99.10% | $896M |
| 4 | Stafford Savings Bank | Stafford Springs, CT | $500M - $1B | 8.32% | 17.16% | $507M |
| 5 | Crescent Bank | Metairie, LA | $1B - $3B | 8.30% | 63.09% | $1.1B |
| 6 | Column | Chico, CA | $1B - $3B | 8.30% | 72.66% | $1.8B |
| 7 | Beal Bank USA | Las Vegas, NV | $10B - $100B | 8.25% | 38.83% | $11.0B |
| 8 | First Electronic Bank | Salt Lake City, UT | $500M - $1B | 7.60% | 19.35% | $503M |
| 9 | Enterprise Bank of South Carolina | Ehrhardt, SC | $500M - $1B | 6.25% | 81.76% | $535M |
| 10 | Bank of Stockton | Stockton, CA | $3B - $10B | 6.05% | 31.89% | $5.0B |
| 11 | The Pitney Bowes Bank Inc. | Salt Lake City, UT | $500M - $1B | 5.41% | 55.72% | $796M |
| 12 | Quill Bank | Pleasant Grove, UT | $1B - $3B | 5.31% | 37.31% | $1.6B |
| 13 | Sutton Bank | Attica, OH | $1B - $3B | 5.09% | 37.72% | $1.7B |
| 14 | Comenity Bank | Wilmington, DE | $3B - $10B | 5.00% | 36.60% | $7.4B |
| 15 | Bank of Utica | Utica, NY | $1B - $3B | 4.79% | 18.60% | $1.5B |
| 16 | Webbank | Salt Lake City, UT | $1B - $3B | 4.52% | 28.45% | $2.9B |
| 17 | Eaglemark Savings Bank | Reno, NV | $500M - $1B | 4.48% | 20.18% | $756M |
| 18 | Newtek Bank | Miami, FL | $1B - $3B | 4.44% | 50.18% | $2.5B |
| 19 | First Credit Bank | West Hollywood, CA | $500M - $1B | 4.36% | 9.30% | $516M |
| 20 | WEX Bank | Sandy, UT | $10B - $100B | 4.29% | 50.64% | $10.7B |
| 21 | State Bank of Texas | Irving, TX | $1B - $3B | 4.29% | 27.60% | $2.6B |
| 22 | Monet Bank | Plano, TX | $3B - $10B | 3.99% | 12.27% | $3.2B |
| 23 | Peoples Bank | Mendenhall, MS | $500M - $1B | 3.98% | 35.08% | $503M |
| 24 | First Bank Kansas | Salina, KS | $500M - $1B | 3.86% | 50.51% | $619M |
| 25 | American Express National Bank | Sandy, UT | Over $100B | 3.72% | 41.50% | $213.9B |
| 26 | The Bank of Southside Virginia | Carson, VA | $500M - $1B | 3.69% | 18.20% | $670M |
| 27 | Carter Bank & Trust | Martinsville, VA | $3B - $10B | 3.65% | 37.45% | $4.8B |
| 28 | Woodtrust Bank | Wisconsin Rapids, WI | $500M - $1B | 3.44% | 37.25% | $735M |
| 29 | Celtic Bank Corporation | Salt Lake City, UT | $3B - $10B | 3.39% | 19.30% | $5.3B |
| 30 | Prime Alliance Bank | Woods Cross, UT | $1B - $3B | 3.39% | 33.49% | $1.1B |
| 31 | Anchor Bank | Palm Beach Gardens, FL | $500M - $1B | 3.38% | 41.04% | $806M |
| 32 | County Bank | Rehoboth Beach, DE | $500M - $1B | 3.34% | 23.69% | $696M |
| 33 | Stifel Trust Company | Saint Louis, MO | $500M - $1B | 3.34% | 50.42% | $911M |
| 34 | Newfirst National Bank | El Campo, TX | $500M - $1B | 3.29% | 27.34% | $935M |
| 35 | Western Commerce Bank | Carlsbad, NM | $500M - $1B | 3.25% | 33.53% | $864M |
| 36 | Interbank | Oklahoma City, OK | $3B - $10B | 3.24% | 27.32% | $5.3B |
| 37 | John Deere Financial, F.S.B. | Middleton, WI | $3B - $10B | 3.10% | 15.12% | $4.9B |
| 38 | Ameriprise Bank, FSB | Minneapolis, MN | $10B - $100B | 3.06% | 50.60% | $25.5B |
| 39 | Luminate Bank | Minneapolis, MN | $500M - $1B | 3.04% | 31.30% | $555M |
| 40 | Hamlin Bank and Trust Company | Smethport, PA | $500M - $1B | 3.03% | 15.01% | $503M |
| 41 | The Peoples Bank | Pratt, KS | $500M - $1B | 3.01% | 42.33% | $531M |
| 42 | The Bancorp Bank | Sioux Falls, SD | $3B - $10B | 3.00% | 31.81% | $9.2B |
| 43 | The Yellowstone Bank | Laurel, MT | $1B - $3B | 2.98% | 22.71% | $1.3B |
| 44 | Great American Bank | Lawrence, KS | $500M - $1B | 2.98% | 21.95% | $513M |
| 45 | Horizon Bank | Waverly, NE | $500M - $1B | 2.95% | 19.92% | $574M |
| 46 | Citizens State Bank - La Crosse | La Crosse, WI | $500M - $1B | 2.94% | 23.20% | $649M |
| 47 | Hana Bank USA | Fort Lee, NJ | $500M - $1B | 2.94% | 10.94% | $835M |
| 48 | First American Bank | Artesia, NM | $1B - $3B | 2.92% | 28.27% | $1.9B |
| 49 | Bessemer Trust Company | New York, NY | $3B - $10B | 2.90% | 38.35% | $4.2B |
| 50 | Sunmark Community Bank | Perry, GA | $500M - $1B | 2.89% | 21.30% | $557M |
Source: FFIEC call report data for the quarter ending June 30, 2026. Universe: US banks with $500M or more in total assets that reported a return on assets and fund or lend like a bank. Sorted descending.
Leaders by asset size
A single national list on a ratio like this is really a list of business models, and the largest banks and the smallest ones are not competing with each other for anything. These are the leaders inside each asset band, which is the comparison a bank of that size would actually make.
| # | Bank | HQ | ROA | Assets |
|---|---|---|---|---|
| $500M - $1B · 746 banks · median 1.28% | ||||
| 1 | Titan Bank | Mineral Wells, TX | 11.11% | $896M |
| 2 | Stafford Savings Bank | Stafford Springs, CT | 8.32% | $507M |
| 3 | First Electronic Bank | Salt Lake City, UT | 7.60% | $503M |
| 4 | Enterprise Bank of South Carolina | Ehrhardt, SC | 6.25% | $535M |
| 5 | The Pitney Bowes Bank Inc. | Salt Lake City, UT | 5.41% | $796M |
| $1B - $3B · 625 banks · median 1.20% | ||||
| 1 | Square Financial Services, Inc. | Salt Lake City, UT | 37.37% | $2.1B |
| 2 | Credit One Bank | Las Vegas, NV | 25.19% | $2.4B |
| 3 | Crescent Bank | Metairie, LA | 8.30% | $1.1B |
| 4 | Column | Chico, CA | 8.30% | $1.8B |
| 5 | Quill Bank | Pleasant Grove, UT | 5.31% | $1.6B |
| $3B - $10B · 263 banks · median 1.34% | ||||
| 1 | Bank of Stockton | Stockton, CA | 6.05% | $5.0B |
| 2 | Comenity Bank | Wilmington, DE | 5.00% | $7.4B |
| 3 | Monet Bank | Plano, TX | 3.99% | $3.2B |
| 4 | Carter Bank & Trust | Martinsville, VA | 3.65% | $4.8B |
| 5 | Celtic Bank Corporation | Salt Lake City, UT | 3.39% | $5.3B |
| $10B - $100B · 126 banks · median 1.26% | ||||
| 1 | Beal Bank USA | Las Vegas, NV | 8.25% | $11.0B |
| 2 | WEX Bank | Sandy, UT | 4.29% | $10.7B |
| 3 | Ameriprise Bank, FSB | Minneapolis, MN | 3.06% | $25.5B |
| 4 | International Bank of Commerce | Laredo, TX | 2.81% | $10.2B |
| 5 | Sallie Mae Bank | Salt Lake City, UT | 2.78% | $28.5B |
| Over $100B · 32 banks · median 1.20% | ||||
| 1 | American Express National Bank | Sandy, UT | 3.72% | $213.9B |
| 2 | Synchrony Bank | Draper, UT | 2.85% | $115.2B |
| 3 | Capital One | Mc Lean, VA | 1.68% | $662.2B |
| 4 | Morgan Stanley Bank | Salt Lake City, UT | 1.64% | $419.3B |
| 5 | JPMorgan Chase Bank | Columbus, OH | 1.60% | $4.09T |
What normal looks like
A ranking only means something against the middle of the distribution. These are the quartiles for return on assets across every bank that filed for Q2 2026, including the thousands too small to appear above. The median bank reported 1.23%, with the middle half between 0.83% and 1.66%.
| Asset band | 25th pct | Median | 75th pct |
|---|---|---|---|
| Under $100M | 0.48% | 1.06% | 1.61% |
| $100M - $300M | 0.78% | 1.22% | 1.68% |
| $300M - $1B | 0.87% | 1.28% | 1.70% |
| $1B - $3B | 0.88% | 1.20% | 1.62% |
| $3B - $10B | 1.08% | 1.34% | 1.64% |
| $10B - $100B | 1.00% | 1.25% | 1.58% |
| Over $100B | 1.03% | 1.20% | 1.41% |
Source: BankingLens, computed from FFIEC call reports for the quarter ending June 30, 2026. Quartiles are calculated across the full population of filing banks in each size band, not sampled.
Why the top of the list looks like this
High ROA comes from one of three engines, and the ROE column beside it tells you which. A bank with high ROA and high ROE is earning well on a normal balance sheet. A bank with high ROA and a comparatively modest ROE is carrying a great deal of capital against those earnings, which is the signature of specialty charters whose parent leaves them overcapitalized.
The first engine is yield: consumer and card lenders whose loan books earn multiples of a commercial rate. The second is leanness, where an unusually small expense base leaves more of an ordinary margin intact. The third is fee income that is not really banking at all - payments, processing, trust and servicing revenue sitting on a small balance sheet.
Ordinary banks appear here too, and are worth more attention than the specialty charters. A community or regional bank earning well above its peer group on a conventional balance sheet has an advantage in funding, in credit, or in expense, and it will show up again in the other rankings on this site.
What ROA does not tell you
One quarter of ROA is not a business model. Securities gains, branch sales, negative provisions after a recovery and tax-line one-offs all land in net income, and any of them can carry a bank into a top-fifty list it does not belong in. Four quarters in a row is the shortest read worth trusting.
It is also silent on risk. Return earned by concentrating in one loan category, or by running a thin capital base, prices in a stress the numerator has not met yet. The tier 1 leverage and nonperforming loan figures on each bank’s page are the other half of that picture.
Which is why a ranking is a starting point rather than an answer. Every bank above has a page here carrying its full call report picture, and Bank Peer Intel on the dashboard puts each figure against the peer group the bank is actually measured in - percentile rank on every metric, fourteen quarters of trend, and the flags an examiner reaches for first. That is how you tell a structural result from a good quarter.
Methodology
- Universe. Every US bank that filed a call report with the FFIEC for the quarter ending June 30, 2026.
- Size screen. Banks under $500M in total assets are excluded. A ranking of every filer on a raw ratio is topped by institutions small enough for one unusual quarter to move the number more than any decision they made.
- Banking screen. A charter is ranked only if deposits are at least 25% of assets or loans and leases are at least 25% of assets. 11 trust and custody charters over the size floor do neither: they file a call report but hold almost no deposits and make almost no loans, so their ratios are a function of near-empty denominators. Unusual but genuine banks - wholesale lenders, sweep-deposit banks, merchant lenders - clear it.
- Eligible. 1,792 banks cleared both screens and reported a return on assets for the quarter.
- ROA definition. Net income over average total assets, annualized. The average is the two-point average of the current period end and the prior calendar year end, which is why the first quarter of a rebuilt series needs the prior year-end balance sheet.
- Ranking. Sorted by return on assets descending. Top 50 shown, plus the top 5 inside each asset band.
- Source. FFIEC Central Data Repository, joined to bank identity - name, city, state, RSSD id and FDIC certificate - from the same filing. Figures are as reported by each institution and are not adjusted or restated.
- Reproducibility. This page is generated by
_tools/seo/build_ranking_pages.mjsfrom the published dataset. It is not hand-maintained, and it carries no figure that was typed in.
Related reading
- What is a good ROA for a bank? - quartiles by asset band, and how to read one quarter against four.
- What is a good ROE for a bank? - the same profit, measured against equity.
- What is a good efficiency ratio? - the expense side of the same result.