Basis: Trailing twelve months (TTM net income over the latest quarterly balance sheet). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on assets (ROA) high or low?
The return on assets (ROA) of 2.68% is 531% above its 5-year average of 0.42%, near the high end of its 5-year range (-1.10%–2.68%).
354.24% above its 12-month average of 0.59%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.60%.
RETURN ON ASSETS (ROA)
2.68%
RETURN ON ASSETS (ROA) AVG TTM
0.59%
RETURN ON ASSETS (ROA) AVG 3Y
0.72%
RETURN ON ASSETS (ROA) AVG 5Y
0.42%
RETURN ON ASSETS (ROA) AVG 10Y
0.42%
RETURN ON ASSETS (ROA) AVG 15Y
0.61%
RETURN ON ASSETS (ROA) AVG 20Y
0.55%
CURRENT VS TTM AVG
+354.24%
CURRENT VS 3Y AVG
+270.93%
CURRENT VS 5Y AVG
+530.59%
CURRENT VS 10Y AVG
+536.72%
CURRENT VS 15Y AVG
+341.57%
CURRENT VS 20Y AVG
+388.21%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 584 covered companies
CURRENT VS SECTOR MEDIAN
+118.78%
vs the sector median at left
Carter Bankshares, Inc.
Market Cap
$674.62M
Return on Assets (ROA)
2.68%
TTM Avg
0.59%
3Y Avg
0.72%
5Y Avg
0.42%
Market Cap
$675.61M
Return on Assets (ROA)
2.86%
TTM Avg
2.75%
3Y Avg
1.40%
5Y Avg
1.53%
Market Cap
$681.16M
Return on Assets (ROA)
0.84%
TTM Avg
0.97%
3Y Avg
1.10%
5Y Avg
1.17%
Market Cap
$670.37M
Return on Assets (ROA)
12.67%
TTM Avg
10.23%
3Y Avg
8.55%
5Y Avg
9.10%
Market Cap
$683.83M
Return on Assets (ROA)
-26.32%
TTM Avg
1.29%
3Y Avg
-1.74%
5Y Avg
-0.08%
Market Cap
$685.13M
Return on Assets (ROA)
0.64%
TTM Avg
-0.70%
3Y Avg
0.17%
5Y Avg
0.35%
Market Cap
$663.18M
Return on Assets (ROA)
3.67%
TTM Avg
2.48%
3Y Avg
-8.72%
5Y Avg
-17.95%
Market Cap
$697.34M
Return on Assets (ROA)
1.04%
TTM Avg
0.65%
3Y Avg
0.77%
5Y Avg
0.90%
Market Cap
$654.95M
Return on Assets (ROA)
1.64%
TTM Avg
2.27%
3Y Avg
14.29%
5Y Avg
-0.62%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Carter Bankshares, Inc. (CARE) | $674.62M | 2.68% | 0.59% | 0.72% | 0.42% |
| Donegal Group Inc. (DGICA)vs › | $675.61M | 2.86% | 2.75% | 1.40% | 1.53% |
| Farmers National Banc Corp. (FMNB)vs › | $681.16M | 0.84% | 0.97% | 1.10% | 1.17% |
| Gladstone Investment Corporation (GAINI)vs › | $670.37M | 12.67% | 10.23% | 8.55% | 9.10% |
| OFS Credit Company, Inc. (OCCIN)vs › | $683.83M | -26.32% | 1.29% | -1.74% | -0.08% |
| Midland States Bancorp, Inc. (MSBI)vs › | $685.13M | 0.64% | -0.70% | 0.17% | 0.35% |
| Root, Inc. (ROOT)vs › | $663.18M | 3.67% | 2.48% | -8.72% | -17.95% |
| Peoples Financial Services Corp. (PFIS)vs › | $697.34M | 1.04% | 0.65% | 0.77% | 0.90% |
| CoinShares PLC Ordinary Shares (CSHR)vs › | $654.95M | 1.64% | 2.27% | 14.29% | -0.62% |
| ACNB Corporation (ACNB)vs › | $651.73M | 1.64% | 1.24% | 1.30% | 1.16% |
ROA
2.7%
ROE
23.9%
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 0.65% |
| 2024-12-31 | 0.53% |
| 2023-12-31 | 0.52% |
| 2022-12-31 | 1.19% |
| 2021-12-31 | 0.76% |
| 2020-12-31 | -1.10% |
| 2019-12-31 | 0.66% |
| 2018-12-31 | 0.29% |
| 2017-12-31 | -0.02% |
| 2016-12-31 | 0.35% |
| 2015-12-31 | 0.80% |
| 2014-12-31 | 0.72% |
| 2013-12-31 | 0.56% |
| 2012-12-31 | 0.68% |
| 2011-12-31 | 0.76% |
| 2010-12-31 | 0.61% |
| 2009-12-31 | 0.52% |
| 2008-12-31 | 0.35% |
| 2007-12-31 | 0.50% |
| 2006-12-31 | 0.00% |
