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 1.69% is 53% above its 5-year average of 1.10%, near the high end of its 5-year range (0.70%–1.69%).
26.59% above its 12-month average of 1.33%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.49%.
RETURN ON ASSETS (ROA)
1.69%
RETURN ON ASSETS (ROA) AVG TTM
1.33%
RETURN ON ASSETS (ROA) AVG 3Y
1.23%
RETURN ON ASSETS (ROA) AVG 5Y
1.10%
RETURN ON ASSETS (ROA) AVG 10Y
0.81%
RETURN ON ASSETS (ROA) AVG 15Y
0.93%
RETURN ON ASSETS (ROA) AVG 20Y
N/A
CURRENT VS TTM AVG
+26.59%
CURRENT VS 3Y AVG
+37.12%
CURRENT VS 5Y AVG
+53.17%
CURRENT VS 10Y AVG
+109.35%
CURRENT VS 15Y AVG
+81.03%
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
1.22%
median of 611 covered companies
CURRENT VS SECTOR MEDIAN
+38.52%
vs the sector median at left
Orange County Bancorp, Inc.
Market Cap
$503.73M
Return on Assets (ROA)
1.69%
TTM Avg
1.33%
3Y Avg
1.23%
5Y Avg
1.10%
Market Cap
$509.50M
Return on Assets (ROA)
-31.75%
TTM Avg
0.09%
3Y Avg
0.09%
5Y Avg
0.09%
Market Cap
$496.99M
Return on Assets (ROA)
1.65%
TTM Avg
1.54%
3Y Avg
1.57%
5Y Avg
1.42%
Market Cap
$494.94M
Return on Assets (ROA)
1.23%
TTM Avg
0.81%
3Y Avg
0.86%
5Y Avg
0.86%
Market Cap
$491.83M
Return on Assets (ROA)
0.97%
TTM Avg
0.63%
3Y Avg
0.02%
5Y Avg
0.32%
Market Cap
$492.67M
Return on Assets (ROA)
2.28%
TTM Avg
2.79%
3Y Avg
3.04%
5Y Avg
2.28%
Market Cap
$488.50M
Return on Assets (ROA)
1.14%
TTM Avg
0.87%
3Y Avg
0.88%
5Y Avg
0.91%
Market Cap
$518.98M
Return on Assets (ROA)
1.21%
TTM Avg
1.12%
3Y Avg
1.02%
5Y Avg
1.08%
Market Cap
$529.32M
Return on Assets (ROA)
1.30%
TTM Avg
1.19%
3Y Avg
1.16%
5Y Avg
1.21%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Orange County Bancorp, Inc. (OBT) | $503.73M | 1.69% | 1.33% | 1.23% | 1.10% |
| Churchill Capital Corp XI (CCXI)vs › | $509.50M | -31.75% | 0.09% | 0.09% | 0.09% |
| Private Bancorp of America, Inc. (PBAM)vs › | $496.99M | 1.65% | 1.54% | 1.57% | 1.42% |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $494.94M | 1.23% | 0.81% | 0.86% | 0.86% |
| Ponce Financial Group, Inc. (PDLB)vs › | $491.83M | 0.97% | 0.63% | 0.02% | 0.32% |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $492.67M | 2.28% | 2.79% | 3.04% | 2.28% |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $488.50M | 1.14% | 0.87% | 0.88% | 0.91% |
| Sierra Bancorp (BSRR)vs › | $518.98M | 1.21% | 1.12% | 1.02% | 1.08% |
| Home Bancorp, Inc. (HBCP)vs › | $529.32M | 1.30% | 1.19% | 1.16% | 1.21% |
| Bankwell Financial Group, Inc. (BWFG)vs › | $527.74M | 1.23% | 0.68% | 0.91% | 0.83% |
ROA
1.7%
ROE
15.5%
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 | 1.56% |
| 2024-12-31 | 1.11% |
| 2023-12-31 | 1.19% |
| 2022-12-31 | 1.07% |
| 2021-12-31 | 0.99% |
| 2020-12-31 | 0.70% |
| 2019-12-31 | 0.93% |
| 2018-12-31 | 0.71% |
| 2017-12-31 | 0.24% |
| 2016-12-31 | 0.40% |
| 2015-12-31 | -0.02% |
| 2014-12-31 | 0.85% |
| 2013-12-31 | 0.96% |
| 2012-12-31 | 1.17% |
| 2011-12-31 | 1.19% |
