Banks with Highest Return on Assets
Financial institutions ranked by return on assets (ROA), measuring asset efficiency.
Return on assets shows how efficiently a bank converts its balance sheet into earnings. This ranking surfaces the banks extracting the most profit from their asset base.
Why this metric matters
Because a bank’s balance sheet is its business, ROA is a strong way to compare operational efficiency across institutions of different sizes.
ROA can help investors separate strong earnings engines from results that are being flattered by leverage alone.
What good looks like
In banking, ROA near or above 1% is often treated as a sign of healthy profitability.
The best ROA outcomes tend to come from disciplined underwriting, strong funding, and efficient cost structures.
Live ranking table
ROA| # | Company | Symbol | ROA |
|---|---|---|---|
| 1 | First Citizens BancShares | FCNCAXNAS | 5.36% |
| 2 | Central Pacific Financial | CPFXNYS | 3.63% |
| 3 | Capital One Financial Corp. | COFXNYS | 2.87% |
| 4 | International Bancshares Corp. | IBOCXNAS | 2.73% |
| 5 | Seacoast Banking Corp. | SBCFXNAS | 2.29% |
| 6 | First Financial Bankshares | FFINXNAS | 1.99% |
| 7 | Western Alliance Bancorporation | WALXNYS | 1.89% |
| 8 | East West Bancorp Inc. | EWBCXNAS | 1.76% |
| 9 | ServisFirst Bancshares Inc. | SFBSXNAS | 1.72% |
| 10 | Commerce Bancshares Inc. | CBSHXNAS | 1.72% |
| 11 | Ally Financial Inc. | ALLYXNYS | 1.68% |
| 12 | Cathay General Bancorp | CATYXNAS | 1.64% |
| 13 | Community Trust Bancorp | CTBIXNAS | 1.62% |
| 14 | PNC Financial Services Group | PNCXNYS | 1.62% |
| 15 | M&T Bank Corp. | MTBXNYS | 1.61% |
| 16 | U.S. Bancorp | USBXNYS | 1.60% |
| 17 | Ameris Bancorp | ABCBXNAS | 1.58% |
| 18 | Regions Financial Corp. | RFXNYS | 1.55% |
| 19 | Fifth Third Bancorp | FITBXNAS | 1.54% |
| 20 | Glacier Bancorp Inc. | GBCIXNAS | 1.54% |
| 21 | Banner Financial Group | BANRXNAS | 1.52% |
| 22 | Hope Bancorp Inc. | HOPEXNAS | 1.48% |
| 23 | JPMorgan Chase & Co. | JPMXNYS | 1.46% |
| 24 | SouthState Corp. | SSBXNAS | 1.44% |
| 25 | Truist Financial Corp. | TFCXNYS | 1.44% |
Methodology
Uses the latest available annual bank KPI for return on assets within the BankingTerminal coverage universe.
Includes only companies with non-null ROA data and ranks each company once using its latest reported value.
ROA should be reviewed alongside ROE, efficiency ratio, and capital metrics to understand whether strong returns are sustainable.
Frequently asked questions
What is return on assets for a bank?
Return on assets measures how much profit a bank generates for each dollar of total assets. It is a core measure of balance-sheet efficiency.
What is a good ROA for banks?
Many investors use 1% ROA as a useful rule of thumb for a healthy bank, though the right benchmark varies by business mix and cycle.
Why use ROA together with ROE?
ROA shows balance-sheet efficiency, while ROE shows how much profit is produced from shareholder capital. Looking at both provides a fuller view of quality.
Related glossary terms
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Rankings are based on the most recent reported data available in BankingTerminal and should be used as a starting point for research. Disclaimer