Updated April 2026 · FDIC Call Report Q2 2024
Banks Ranked by Return on Assets
Top 100 U.S. banks ranked by return on assets — highest is best. The top 50 average 44.45% on this metric and a composite Bank Health Score of 74/100, sourced from the most recent FDIC quarterly Call Report.
What Return on Assets Measures
Return on assets (ROA) measures how efficiently a bank generates profit relative to its balance sheet. Sustained ROA above 1% is considered strong; below 0.5% is weak; negative ROA means the bank is losing money on its core operations. Profitability matters for safety because retained earnings are the only organic source of capital — a bank that can't earn its cost of equity over time will eventually deplete its capital cushion. ROA is reported in field ROAPTX (pretax) on the FFIEC Call Report.
Federal regulators — the FDIC, the OCC, and the Federal Reserve — use this metric (and several others) as part of confidential CAMELS examinations, with the public quarterly Call Report data feeding into supervisory analysis. We use the same public input here, applied with a transparent formula across every FDIC-insured institution.
How to Read the Numbers
How to read this number: sustained ROA above 1.2% is strong, 0.7–1.2% is typical for U.S. banks, 0.3–0.7% is weak, and negative ROA means operational losses. Be careful with single-quarter spikes — a one-time gain or loss can distort a quarter, so look at the trailing four-quarter average. Persistent negative ROA over multiple quarters is the warning sign, not a single bad print.
Top Banks by Return on Assets
| # | Bank | Location | Grade | Score | Return on Assets | Assets |
|---|---|---|---|---|---|---|
| 1 | Fds Bank | Mason, Ohio | A | 100 | 411.18% | $106M |
| 2 | Its Bank | Johnston, Iowa | B | 65 | 266.85% | $34M |
| 3 | Adp Trust Co National Assn | Wilmington, Delaware | B | 65 | 96.00% | $44M |
| 4 | Trust Co of Toledo NA | Holland, Ohio | B | 65 | 93.34% | $7M |
| 5 | Bessemer Tr Co of de NA | Wilmington, Delaware | B | 65 | 85.40% | $32M |
| 6 | Anchorage Digital Bank NA | Sioux Falls, South Dakota | B | 65 | 72.49% | $52M |
| 7 | Goldman Sachs Tr Co NA The | Wilmington, Delaware | B | 65 | 64.91% | $154M |
| 8 | Capital Bank&Trust Co | Irvine, California | A | 100 | 61.14% | $174M |
| 9 | First National Trust Co | Hermitage, Pennsylvania | B | 65 | 55.54% | $46M |
| 10 | Sei Private Trust Co | Oaks, Pennsylvania | A | 100 | 52.82% | $236M |
| 11 | First Finl Trust&Asset Mgnt | Abilene, Texas | B | 65 | 51.24% | $64M |
| 12 | Northwestern Mutual Wealth M | Milwaukee, Wisconsin | B | 65 | 51.17% | $491M |
| 13 | Boston Trust Walden Co | Boston, Massachusetts | A | 96 | 44.11% | $92M |
| 14 | Tiaa Trust National Assn | Charlotte, North Carolina | B | 65 | 41.25% | $250M |
| 15 | Associated Trust Co NA | Milwaukee, Wisconsin | B | 65 | 39.08% | $82M |
| 16 | Computershare Trust Co NA | Canton, Massachusetts | B | 65 | 38.41% | $1.1B |
| 17 | National Advisors Trust Co | Kansas City, Missouri | A | 100 | 36.05% | $21M |
| 18 | Square Finl Services INC | Salt Lake City, Utah | A | 87 | 30.84% | $816M |
| 19 | Private Trust Co NA | Cleveland, Ohio | B | 65 | 30.24% | $28M |
| 20 | Credit One Bank NA | Las Vegas, Nevada | F | 31 | 29.08% | $1.6B |
| 21 | Dayforce National Trust Bank | Bloomington, Minnesota | B | 65 | 28.28% | $17M |
| 22 | Raymond James Trust NA | Saint Petersburg, Florida | B | 65 | 27.84% | $67M |
| 23 | Country Trust Bank | Bloomington, Illinois | A | 100 | 27.70% | $35M |
| 24 | Credit First National Assn | Brook Park, Ohio | A | 100 | 27.21% | $40M |
| 25 | U S Bank Trust Co NA | Portland, Oregon | B | 65 | 27.20% | $2.2B |
| 26 | Security National Trust Co | Wheeling, West Virginia | B | 65 | 26.71% | $8M |
| 27 | Bank of Ny Mellon Tr Co NA | Los Angeles, California | A | 95 | 25.21% | $1.3B |
| 28 | Fidelity Personal Tr Co FSB | Merrimack, New Hampshire | B | 65 | 25.05% | $84M |
| 29 | State Street B&T Co NA | New York, New York | B | 65 | 21.01% | $42M |
| 30 | Chilton Trust Co NA | Palm Beach, Florida | B | 65 | 20.79% | $28M |
| 31 | First Electronic Bank | Salt Lake City, Utah | A | 100 | 19.75% | $429M |
| 32 | Blackrock Instl Tr Co NA | San Francisco, California | C | 50 | 19.40% | $4.5B |
| 33 | Plante Moran Trust NA | Southfield, Michigan | B | 65 | 19.28% | $17M |
| 34 | Canandaigua Natl Tr Co of Fl | Sarasota, Florida | B | 65 | 18.82% | $5M |
| 35 | Brown Brothers Harriman Tr N | New York, New York | B | 65 | 18.31% | $14M |
| 36 | Cibc National Trust Co | Atlanta, Georgia | A | 100 | 17.32% | $354M |
| 37 | Davidson Trust Co | Great Falls, Montana | A | 100 | 17.22% | $11M |
| 38 | Nationwide Trust Co FSB | Columbus, Ohio | A | 100 | 16.97% | $152M |
| 39 | Synovus Trust Co NA | Columbus, Georgia | B | 65 | 15.85% | $144M |
| 40 | Glenmede Trust Co NA | Philadelphia, Pennsylvania | B | 65 | 15.31% | $180M |
| 41 | Key National Tr Co of De | Wilmington, Delaware | B | 65 | 15.29% | $8M |
| 42 | Comerica B&T NA | Ann Arbor, Michigan | A | 100 | 15.28% | $116M |
| 43 | Rockefeller Trust Co NA | New York, New York | B | 65 | 14.91% | $15M |
| 44 | U S Bank Trust NA Sd | Sioux Falls, South Dakota | B | 65 | 14.34% | $158M |
| 45 | Everence Trust Co | Goshen, Indiana | A | 100 | 14.15% | $14M |
| 46 | Beal Bank USA | Las Vegas, Nevada | B | 70 | 13.61% | $17.5B |
| 47 | Legacy Trust Co N A | Houston, Texas | B | 65 | 13.31% | $34M |
| 48 | Philadelphia Trust Co | Philadelphia, Pennsylvania | B | 65 | 12.76% | $25M |
| 49 | Citicorp Trust Delaware NA | New Castle, Delaware | B | 65 | 11.68% | $25M |
| 50 | U S Bank Trust National Assn | Wilmington, Delaware | B | 65 | 10.94% | $807M |
| 51 | First Financial Trust NA | Wakefield, Massachusetts | B | 65 | 10.56% | $16M |
| 52 | Servbank,sb | Oswego, Illinois | C | 59 | 10.44% | $794M |
| 53 | Beal Bank | Plano, Texas | B | 70 | 10.10% | $4.8B |
| 54 | Stafford Savings Bank | Stafford Springs, Connecticut | A | 97 | 10.08% | $415M |
| 55 | First Community Trust NA | Dubuque, Iowa | B | 65 | 9.99% | $14M |
| 56 | Neuberger Berman Trust Co NA | New York, New York | D | 40 | 9.18% | $27M |
| 57 | New Covenant Trust Co NA | Jeffersonville, Indiana | B | 65 | 9.10% | $8M |
| 58 | Newtek Bank National Assn | Miami, Florida | B | 75 | 8.53% | $819M |
| 59 | Deutsche Bank Trust Co NA | New York, New York | B | 65 | 8.33% | $157M |
| 60 | Pitney Bowes Bank INC | Salt Lake City, Utah | C | 63 | 8.07% | $899M |
| 61 | Wilmington Trust NA | Wilmington, Delaware | B | 77 | 8.00% | $699M |
| 62 | Old Point Trust&Finl Service | Newport News, Virginia | B | 65 | 7.87% | $7M |
| 63 | Thrivent Trust Co | Appleton, Wisconsin | A | 100 | 7.85% | $16M |
| 64 | Haverford Trust Co | Radnor, Pennsylvania | B | 65 | 7.80% | $174M |
| 65 | Bessemer Trust Co | Woodbridge, New Jersey | A | 100 | 7.47% | $502M |
| 66 | Evercore Trust Co NA | New York, New York | B | 65 | 7.07% | $14M |
| 67 | HSBC Trust Co Delaware NA | Wilmington, Delaware | B | 65 | 6.82% | $58M |
| 68 | Comenity Bank | Wilmington, Delaware | C | 64 | 6.82% | $7.8B |
| 69 | Wells Fargo de Tr Co NA | Wilmington, Delaware | B | 65 | 6.76% | $242M |
| 70 | Deutsche Bank Tr Co Delaware | Newark, Delaware | B | 65 | 6.75% | $132M |
| 71 | Bny Mellon Trust of Delaware | Wilmington, Delaware | B | 70 | 6.63% | $202M |
| 72 | Celtic Bank | Salt Lake City, Utah | D | 44 | 6.57% | $3.4B |
| 73 | Massmutual Trust Co | Windsor, Connecticut | A | 100 | 6.43% | $91M |
| 74 | Cedar Hill National Bank | Charlotte, North Carolina | A | 100 | 6.31% | $15M |
| 75 | First Credit Bank | Los Angeles, California | A | 82 | 6.15% | $563M |
| 76 | Neuberger Berman Tr Co de NA | Wilmington, Delaware | D | 40 | 6.09% | $8M |
| 77 | Bessemer Tr Co of Ca NA | San Francisco, California | B | 65 | 5.87% | $15M |
| 78 | California Pacific Bank | San Francisco, California | B | 67 | 5.87% | $91M |
| 79 | Wellington Trust Co NA | Boston, Massachusetts | D | 40 | 5.76% | $94M |
| 80 | Eaglemark Savings Bank | Reno, Nevada | B | 77 | 5.63% | $667M |
| 81 | JPMorgan Chase Bank Dearborn | Dearborn, Michigan | A | 100 | 5.62% | $67M |
| 82 | Wex Bank | Sandy, Utah | A | 92 | 5.48% | $7.6B |
| 83 | Bank of Montana | Missoula, Montana | A | 100 | 5.48% | $297M |
| 84 | Sallie Mae Bank | Salt Lake City, Utah | A | 88 | 5.48% | $28.7B |
| 85 | First Security Bk Sleepy Eye | Sleepy Eye, Minnesota | A | 98 | 5.24% | $179M |
| 86 | Edward Jones Trust Co | Saint Louis, Missouri | A | 100 | 5.16% | $131M |
| 87 | Bessemer Trust Co NA | New York, New York | A | 100 | 5.16% | $2.7B |
| 88 | 1st Financial Bank USA | Dakota Dunes, South Dakota | B | 74 | 5.13% | $1.3B |
| 89 | Community Development Bk FSB | Ogema, Minnesota | A | 86 | 5.07% | $167M |
| 90 | Luminate Bank | Minneapolis, Minnesota | C | 59 | 5.07% | $329M |
| 91 | Webbank | Salt Lake City, Utah | A | 85 | 5.00% | $2.2B |
| 92 | Stifel Trust Co NA | Saint Louis, Missouri | A | 100 | 4.70% | $889M |
| 93 | State Bank of Texas | Irving, Texas | D | 39 | 4.69% | $2.7B |
| 94 | Friend Bank | Slocomb, Alabama | C | 62 | 4.68% | $203M |
| 95 | First General Bank | Rowland Heights, California | C | 51 | 4.68% | $1.1B |
| 96 | Texas Exchange Bank | Crowley, Texas | A | 93 | 4.67% | $3.9B |
| 97 | First Nb of Winnsboro | Winnsboro, Texas | C | 62 | 4.57% | $160M |
| 98 | Capital Community Bank | Provo, Utah | B | 75 | 4.50% | $949M |
| 99 | American Express Nb | Sandy, Utah | B | 79 | 4.45% | $192.3B |
| 100 | Sutton Bank | Attica, Ohio | A | 99 | 4.38% | $2.2B |
Why This Metric Alone Isn't Enough
Profitability matters because retained earnings replenish capital organically over time. A bank that earns its cost of equity steadily can absorb credit losses and continue lending; one that does not depletes capital with every adverse quarter. Compare this ranking with the capital and NPL rankings to identify durable performers.
How These Ranks Are Calculated
We pull the most recent quarterly value of return on assets for every FDIC-insured bank from the FDIC BankFind API, sort by that single value, and surface the top 100. The composite Bank Health Score (also shown on this page) uses a four-factor formula across capital, credit, liquidity, and profitability — full details on the methodology page.
Frequently Asked Questions
What is return on assets?
Return on assets (ROA) measures how efficiently a bank generates profit relative to its balance sheet. Sustained ROA above 1% is considered strong; below 0.5% is weak; negative ROA means the bank is losing money on its core operations. Profitability matters for safety because retained earnings are the only organic source of capital — a bank that can't earn its cost of equity over time will eventually deplete its capital cushion. ROA is reported in field ROAPTX (pretax) on the FFIEC Call Report.
How should I read this number?
How to read this number: sustained ROA above 1.2% is strong, 0.7–1.2% is typical for U.S. banks, 0.3–0.7% is weak, and negative ROA means operational losses. Be careful with single-quarter spikes — a one-time gain or loss can distort a quarter, so look at the trailing four-quarter average. Persistent negative ROA over multiple quarters is the warning sign, not a single bad print.
What do the top-ranked banks have in common?
Among the top 50 banks on this list, the average return on assets is 44.45% and the average composite Bank Health Score is 74/100. Top performers tend to be conservatively run, well-capitalized, and concentrated in less volatile loan categories. Higher values on this metric usually correlate with stronger overall scores, but the correlation is imperfect — a bank can lead on one metric while lagging on another.
Should I switch banks based on this ranking alone?
No single metric tells the full story of bank safety. Tier 1 capital, NPL ratio, liquidity, and return on assets each measure different aspects of resilience. The composite Bank Health Score combines all four, weighted by how predictive each has historically been. Use this ranking to compare specific dimensions, but consult the full bank profile and the methodology page before drawing conclusions. And remember: FDIC insurance — not the bank's ranking — protects deposits up to $250,000 per depositor, per insured bank, per ownership category.
Where does this data come from?
Every value is pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Specific Call Report field codes used: RBCT1J (Tier 1 capital), NCLNLSR (NPL ratio), LIQR (liquidity), ROAPTX (return on assets). All FDIC and FFIEC data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · 100 banks ranked. Informational only; not investment advice.