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 1.30% is in line with its 5-year average of 1.20%, near the high end of its 5-year range (0.95%–1.43%).
0.38% below its 12-month average of 1.30%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.32%.
RETURN ON ASSETS (ROA)
1.30%
RETURN ON ASSETS (ROA) AVG TTM
1.30%
RETURN ON ASSETS (ROA) AVG 3Y
1.25%
RETURN ON ASSETS (ROA) AVG 5Y
1.20%
RETURN ON ASSETS (ROA) AVG 10Y
1.06%
RETURN ON ASSETS (ROA) AVG 15Y
0.99%
RETURN ON ASSETS (ROA) AVG 20Y
1.01%
CURRENT VS TTM AVG
-0.38%
CURRENT VS 3Y AVG
+3.79%
CURRENT VS 5Y AVG
+8.64%
CURRENT VS 10Y AVG
+22.43%
CURRENT VS 15Y AVG
+31.31%
CURRENT VS 20Y AVG
+28.57%
SECTOR MEDIAN · FINANCIAL SERVICES
1.22%
median of 632 covered companies
CURRENT VS SECTOR MEDIAN
+6.56%
vs the sector median at left
River City Bank
Market Cap
$796.38M
Return on Assets (ROA)
1.30%
TTM Avg
1.30%
3Y Avg
1.25%
5Y Avg
1.20%
Market Cap
$794.67M
Return on Assets (ROA)
1.37%
TTM Avg
1.27%
3Y Avg
1.13%
5Y Avg
1.29%
Market Cap
$787.06M
Return on Assets (ROA)
0.65%
TTM Avg
0.48%
3Y Avg
0.72%
5Y Avg
0.71%
Market Cap
$806.26M
Return on Assets (ROA)
6.57%
TTM Avg
4.31%
3Y Avg
3.80%
5Y Avg
3.26%
Market Cap
$813.52M
Return on Assets (ROA)
1.54%
TTM Avg
0.93%
3Y Avg
0.94%
5Y Avg
0.98%
Market Cap
$817.02M
Return on Assets (ROA)
-31.96%
TTM Avg
-15.13%
3Y Avg
-7.41%
5Y Avg
1.72%
Market Cap
$816.68M
Return on Assets (ROA)
0.52%
TTM Avg
0.34%
3Y Avg
0.51%
5Y Avg
0.84%
Market Cap
$775.08M
Return on Assets (ROA)
1.30%
TTM Avg
0.25%
3Y Avg
0.58%
5Y Avg
0.75%
Market Cap
$820.76M
Return on Assets (ROA)
1.21%
TTM Avg
1.24%
3Y Avg
1.36%
5Y Avg
1.37%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| River City Bank (RCBC) | $796.38M | 1.30% | 1.30% | 1.25% | 1.20% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $794.67M | 1.37% | 1.27% | 1.13% | 1.29% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $787.06M | 0.65% | 0.48% | 0.72% | 0.71% |
| GCM Grosvenor Inc. (GCMG)vs › | $806.26M | 6.57% | 4.31% | 3.80% | 3.26% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $813.52M | 1.54% | 0.93% | 0.94% | 0.98% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -31.96% | -15.13% | -7.41% | 1.72% |
| Alerus Financial Corporation (ALRS)vs › | $816.68M | 0.52% | 0.34% | 0.51% | 0.84% |
| Financial Institutions, Inc. (FISI)vs › | $775.08M | 1.30% | 0.25% | 0.58% | 0.75% |
| South Plains Financial, Inc. (SPFI)vs › | $820.76M | 1.21% | 1.24% | 1.36% | 1.37% |
| Shore Bancshares, Inc. (SHBI)vs › | $763.30M | 1.08% | 0.82% | 0.69% | 0.67% |
ROA
1.3%
ROE
13.8%
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 | 1.18% |
| 2024-12-31 | 1.43% |
| 2023-12-31 | 1.22% |
| 2022-12-31 | 1.18% |
| 2021-12-31 | 1.22% |
| 2020-12-31 | 0.95% |
| 2019-12-31 | 0.99% |
| 2018-12-31 | 1.09% |
| 2017-12-31 | 0.82% |
| 2016-12-31 | 0.82% |
| 2015-12-31 | 0.78% |
| 2014-12-31 | 0.87% |
| 2013-12-31 | 0.87% |
| 2012-12-31 | 0.98% |
| 2011-12-31 | 0.94% |
| 2010-12-31 | 0.50% |
| 2009-12-31 | -0.57% |
| 2008-12-31 | -0.46% |
| 2007-12-31 | 0.61% |
| 2006-12-31 | -0.33% |
| 2005-12-31 | 1.75% |
| 2004-12-31 | 0.92% |
| 2003-12-31 | 0.92% |
| 2002-12-31 | 0.97% |
| 2001-12-31 | 1.01% |
