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 1.04% is 30% above its 5-year average of 0.80%, near the high end of its 5-year range (0.35%–1.23%).
70.49% above its 12-month average of 0.61%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.28%.
RETURN ON ASSETS (ROA)
1.04%
RETURN ON ASSETS (ROA) AVG TTM
0.61%
RETURN ON ASSETS (ROA) AVG 3Y
0.78%
RETURN ON ASSETS (ROA) AVG 5Y
0.80%
RETURN ON ASSETS (ROA) AVG 10Y
0.86%
RETURN ON ASSETS (ROA) AVG 15Y
0.95%
RETURN ON ASSETS (ROA) AVG 20Y
0.93%
CURRENT VS TTM AVG
+70.49%
CURRENT VS 3Y AVG
+32.91%
CURRENT VS 5Y AVG
+29.73%
CURRENT VS 10Y AVG
+21.44%
CURRENT VS 15Y AVG
+9.39%
CURRENT VS 20Y AVG
+11.26%
SECTOR MEDIAN · FINANCIAL SERVICES
1.21%
median of 560 covered companies
CURRENT VS SECTOR MEDIAN
-14.05%
vs the sector median at left
First National Corporation
Market Cap
$274.85M
Return on Assets (ROA)
1.04%
TTM Avg
0.61%
3Y Avg
0.78%
5Y Avg
0.80%
Market Cap
$274.66M
Return on Assets (ROA)
1.10%
TTM Avg
0.80%
3Y Avg
0.83%
5Y Avg
0.93%
Market Cap
$274.10M
Return on Assets (ROA)
1.11%
TTM Avg
0.65%
3Y Avg
0.95%
5Y Avg
1.01%
Market Cap
$276.83M
Return on Assets (ROA)
0.90%
TTM Avg
0.77%
3Y Avg
0.88%
5Y Avg
0.84%
Market Cap
$275.97M
Return on Assets (ROA)
1.12%
TTM Avg
1.35%
3Y Avg
1.70%
5Y Avg
1.26%
Market Cap
$277.49M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$270.60M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$270.43M
Return on Assets (ROA)
0.01%
TTM Avg
6.95%
3Y Avg
1.23%
5Y Avg
0.50%
Market Cap
$270.05M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First National Corporation (FXNC) | $274.85M | 1.04% | 0.61% | 0.78% | 0.80% |
| LCNB Corp. (LCNB)vs › | $274.66M | 1.10% | 0.80% | 0.83% | 0.93% |
| National Bankshares, Inc. (NKSH)vs › | $274.10M | 1.11% | 0.65% | 0.95% | 1.01% |
| Isabella Bank Corporation (ISBA)vs › | $276.83M | 0.90% | 0.77% | 0.88% | 0.84% |
| Medallion Financial Corp. (MFIN)vs › | $275.97M | 1.12% | 1.35% | 1.70% | 1.26% |
| NewHold Investment Corp IV Class A Ordinary Shares (NHIV)vs › | $277.49M | N/A | N/A | N/A | N/A |
| Freedom Metals Acquisition Corp. (FDMM)vs › | $270.60M | N/A | N/A | N/A | N/A |
| Kingstone Companies, Inc. (KINS)vs › | $270.43M | 0.01% | 6.95% | 1.23% | 0.50% |
| Cartesian Growth Corp. Iv (CGCF)vs › | $270.05M | N/A | N/A | N/A | N/A |
| First United Corporation (FUNC)vs › | $281.13M | 1.20% | 1.10% | 1.09% | 1.05% |
ROA
1.0%
ROE
11.2%
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 | 0.87% |
| 2024-12-31 | 0.35% |
| 2023-12-31 | 0.68% |
| 2022-12-31 | 1.23% |
| 2021-12-31 | 0.75% |
| 2020-12-31 | 0.93% |
| 2019-12-31 | 1.19% |
| 2018-12-31 | 1.35% |
| 2017-12-31 | 0.87% |
| 2016-12-31 | 0.82% |
| 2015-12-31 | 0.38% |
| 2014-12-31 | 1.47% |
| 2013-12-31 | 1.89% |
| 2012-12-31 | 0.53% |
| 2011-12-31 | -2.03% |
| 2010-12-31 | -0.66% |
| 2009-12-31 | 0.39% |
| 2008-12-31 | 0.77% |
| 2007-12-31 | 1.06% |
| 2006-12-31 | 1.10% |
| 2005-12-31 | 1.13% |
| 2004-12-31 | 1.03% |
| 2003-12-31 | 0.96% |
| 2002-12-31 | 1.01% |
| 2001-12-31 | 1.04% |
| 2000-12-31 | 0.93% |
| 1999-12-31 | 0.98% |
| 1998-12-31 | 1.00% |
| 1997-12-31 | 0.98% |
| 1996-12-31 | 1.03% |
