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 1.55% is in line with its 5-year average of 1.41%, near the high end of its 5-year range (1.16%–1.62%).
10.32% above its 12-month average of 1.41%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.42%.
RETURN ON ASSETS (ROA)
1.55%
RETURN ON ASSETS (ROA) AVG TTM
1.41%
RETURN ON ASSETS (ROA) AVG 3Y
1.42%
RETURN ON ASSETS (ROA) AVG 5Y
1.41%
RETURN ON ASSETS (ROA) AVG 10Y
1.36%
RETURN ON ASSETS (ROA) AVG 15Y
1.29%
RETURN ON ASSETS (ROA) AVG 20Y
1.29%
CURRENT VS TTM AVG
+10.32%
CURRENT VS 3Y AVG
+9.15%
CURRENT VS 5Y AVG
+9.93%
CURRENT VS 10Y AVG
+13.82%
CURRENT VS 15Y AVG
+19.86%
CURRENT VS 20Y AVG
+20.30%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 432 covered companies
CURRENT VS SECTOR MEDIAN
+26.02%
vs the sector median at left
Community Trust Bancorp, Inc.
Market Cap
$1.38B
Return on Assets (ROA)
1.55%
TTM Avg
1.41%
3Y Avg
1.42%
5Y Avg
1.41%
Market Cap
$1.40B
Return on Assets (ROA)
0.88%
TTM Avg
0.97%
3Y Avg
0.95%
5Y Avg
0.93%
Market Cap
$1.40B
Return on Assets (ROA)
2.06%
TTM Avg
2.50%
3Y Avg
3.62%
5Y Avg
5.24%
Market Cap
$1.43B
Return on Assets (ROA)
1.21%
TTM Avg
1.23%
3Y Avg
1.15%
5Y Avg
1.02%
Market Cap
$1.32B
Return on Assets (ROA)
1.09%
TTM Avg
1.10%
3Y Avg
1.05%
5Y Avg
1.00%
Market Cap
$1.32B
Return on Assets (ROA)
1.16%
TTM Avg
1.48%
3Y Avg
1.39%
5Y Avg
1.31%
Market Cap
$1.46B
Return on Assets (ROA)
4.78%
TTM Avg
4.47%
3Y Avg
4.23%
5Y Avg
4.71%
Market Cap
$1.53B
Return on Assets (ROA)
1.11%
TTM Avg
0.66%
3Y Avg
0.88%
5Y Avg
1.01%
Market Cap
$1.55B
Return on Assets (ROA)
2.40%
TTM Avg
2.51%
3Y Avg
2.29%
5Y Avg
2.17%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Community Trust Bancorp, Inc. (CTBI) | $1.38B | 1.55% | 1.41% | 1.42% | 1.41% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 0.88% | 0.97% | 0.95% | 0.93% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.40B | 2.06% | 2.50% | 3.62% | 5.24% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 1.21% | 1.23% | 1.15% | 1.02% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 1.09% | 1.10% | 1.05% | 1.00% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 1.16% | 1.48% | 1.39% | 1.31% |
| Capital Southwest Corporation (CSWC)vs › | $1.46B | 4.78% | 4.47% | 4.23% | 4.71% |
| ConnectOne Bancorp, Inc. (CNOB)vs › | $1.53B | 1.11% | 0.66% | 0.88% | 1.01% |
| Pathward Financial, Inc. (CASH)vs › | $1.55B | 2.40% | 2.51% | 2.29% | 2.17% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.21B | 7.44% | 7.69% | 8.46% | 8.46% |
ROA
1.6%
ROE
12.1%
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 | 1.47% |
| 2024-12-31 | 1.34% |
| 2023-12-31 | 1.35% |
| 2022-12-31 | 1.52% |
| 2021-12-31 | 1.62% |
| 2020-12-31 | 1.16% |
| 2019-12-31 | 1.48% |
| 2018-12-31 | 1.41% |
| 2017-12-31 | 1.24% |
| 2016-12-31 | 1.20% |
| 2015-12-31 | 1.19% |
| 2014-12-31 | 1.16% |
| 2013-12-31 | 1.26% |
| 2012-12-31 | 1.23% |
| 2011-12-31 | 1.08% |
| 2010-12-31 | 0.98% |
| 2009-12-31 | 0.81% |
| 2008-12-31 | 0.78% |
| 2007-12-31 | 1.26% |
| 2006-12-31 | 1.32% |
| 2005-12-31 | 1.21% |
| 2004-12-31 | 1.14% |
| 2003-12-31 | 1.17% |
| 2002-12-31 | 1.11% |
| 2001-12-31 | 0.89% |
| 2000-12-31 | 0.99% |
| 1999-12-31 | 1.00% |
| 1998-12-31 | 0.62% |
| 1997-12-31 | 1.03% |
| 1996-12-31 | 1.04% |
