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 1.35% is 22% above its 5-year average of 1.11%, near the high end of its 5-year range (0.32%–1.60%).
1.12% above its 12-month average of 1.33%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.41%.
RETURN ON ASSETS (ROA)
1.35%
RETURN ON ASSETS (ROA) AVG TTM
1.33%
RETURN ON ASSETS (ROA) AVG 3Y
1.35%
RETURN ON ASSETS (ROA) AVG 5Y
1.11%
RETURN ON ASSETS (ROA) AVG 10Y
1.05%
RETURN ON ASSETS (ROA) AVG 15Y
0.83%
RETURN ON ASSETS (ROA) AVG 20Y
0.84%
CURRENT VS TTM AVG
+1.12%
CURRENT VS 3Y AVG
-0.18%
CURRENT VS 5Y AVG
+21.80%
CURRENT VS 10Y AVG
+29.13%
CURRENT VS 15Y AVG
+62.09%
CURRENT VS 20Y AVG
+61.03%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 636 covered companies
CURRENT VS SECTOR MEDIAN
+10.20%
vs the sector median at left
Old Second Bancorp, Inc.
Market Cap
$1.29B
Return on Assets (ROA)
1.35%
TTM Avg
1.33%
3Y Avg
1.35%
5Y Avg
1.11%
Market Cap
$1.32B
Return on Assets (ROA)
1.16%
TTM Avg
1.48%
3Y Avg
1.39%
5Y Avg
1.31%
Market Cap
$1.32B
Return on Assets (ROA)
1.09%
TTM Avg
1.10%
3Y Avg
1.05%
5Y Avg
1.00%
Market Cap
$1.33B
Return on Assets (ROA)
1.25%
TTM Avg
1.19%
3Y Avg
1.26%
5Y Avg
1.07%
Market Cap
$1.24B
Return on Assets (ROA)
1.75%
TTM Avg
1.82%
3Y Avg
1.98%
5Y Avg
1.81%
Market Cap
$1.22B
Return on Assets (ROA)
7.44%
TTM Avg
7.69%
3Y Avg
8.46%
5Y Avg
8.46%
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
$1.41B
Return on Assets (ROA)
2.06%
TTM Avg
2.50%
3Y Avg
3.62%
5Y Avg
5.24%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Old Second Bancorp, Inc. (OSBC) | $1.29B | 1.35% | 1.33% | 1.35% | 1.11% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 1.16% | 1.48% | 1.39% | 1.31% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 1.09% | 1.10% | 1.05% | 1.00% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 1.25% | 1.19% | 1.26% | 1.07% |
| Preferred Bank (PFBC)vs › | $1.24B | 1.75% | 1.82% | 1.98% | 1.81% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 7.44% | 7.69% | 8.46% | 8.46% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $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 › | $1.41B | 2.06% | 2.50% | 3.62% | 5.24% |
| Heritage Financial Corporation (HFWA)vs › | $1.15B | 0.92% | 0.79% | 0.90% | 0.94% |
ROA
1.4%
ROE
10.2%
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 | 1.16% |
| 2024-12-31 | 1.51% |
| 2023-12-31 | 1.60% |
| 2022-12-31 | 1.14% |
| 2021-12-31 | 0.32% |
| 2020-12-31 | 0.92% |
| 2019-12-31 | 1.50% |
| 2018-12-31 | 1.27% |
| 2017-12-31 | 0.64% |
| 2016-12-31 | 0.70% |
| 2015-12-31 | 0.74% |
| 2014-12-31 | 0.49% |
| 2013-12-31 | 4.10% |
| 2012-12-31 | 0.00% |
| 2011-12-31 | -0.33% |
| 2010-12-31 | -5.12% |
| 2009-12-31 | -2.53% |
| 2008-12-31 | 0.40% |
| 2007-12-31 | 0.90% |
| 2006-12-31 | 0.96% |
| 2005-12-31 | 1.17% |
| 2004-12-31 | 1.25% |
| 2003-12-31 | 1.20% |
| 2002-12-31 | 1.25% |
| 2001-12-31 | 1.29% |
| 2000-12-31 | 1.17% |
| 1999-12-31 | 1.24% |
| 1998-12-31 | 1.08% |
| 1997-12-31 | 1.01% |
| 1996-12-31 | 1.00% |
