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 1.00% is in line with its 5-year average of 0.97%, around the middle of its 5-year range (0.78%–1.25%).
15.61% above its 12-month average of 0.86%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.26%.
RETURN ON ASSETS (ROA)
1.00%
RETURN ON ASSETS (ROA) AVG TTM
0.86%
RETURN ON ASSETS (ROA) AVG 3Y
0.98%
RETURN ON ASSETS (ROA) AVG 5Y
0.97%
RETURN ON ASSETS (ROA) AVG 10Y
0.98%
RETURN ON ASSETS (ROA) AVG 15Y
0.88%
RETURN ON ASSETS (ROA) AVG 20Y
0.97%
CURRENT VS TTM AVG
+15.61%
CURRENT VS 3Y AVG
+1.78%
CURRENT VS 5Y AVG
+3.27%
CURRENT VS 10Y AVG
+1.85%
CURRENT VS 15Y AVG
+13.94%
CURRENT VS 20Y AVG
+3.41%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-19.03%
vs the sector median at left
TrustCo Bank Corp NY
Market Cap
$938.26M
Return on Assets (ROA)
1.00%
TTM Avg
0.86%
3Y Avg
0.98%
5Y Avg
0.97%
Market Cap
$940.37M
Return on Assets (ROA)
1.12%
TTM Avg
0.89%
3Y Avg
1.05%
5Y Avg
1.06%
Market Cap
$929.72M
Return on Assets (ROA)
0.79%
TTM Avg
0.77%
3Y Avg
0.65%
5Y Avg
0.67%
Market Cap
$956.27M
Return on Assets (ROA)
1.28%
TTM Avg
0.92%
3Y Avg
0.92%
5Y Avg
1.02%
Market Cap
$920.53M
Return on Assets (ROA)
0.96%
TTM Avg
0.91%
3Y Avg
0.94%
5Y Avg
0.88%
Market Cap
$909.33M
Return on Assets (ROA)
2.38%
TTM Avg
-2.27%
3Y Avg
-0.62%
5Y Avg
3.40%
Market Cap
$915.20M
Return on Assets (ROA)
1.11%
TTM Avg
1.11%
3Y Avg
1.11%
5Y Avg
1.11%
Market Cap
$902.58M
Return on Assets (ROA)
1.64%
TTM Avg
1.54%
3Y Avg
1.51%
5Y Avg
1.47%
Market Cap
$885.27M
Return on Assets (ROA)
1.37%
TTM Avg
1.11%
3Y Avg
1.23%
5Y Avg
1.18%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| TrustCo Bank Corp NY (TRST) | $938.26M | 1.00% | 0.86% | 0.98% | 0.97% |
| Hanmi Financial Corporation (HAFC)vs › | $940.37M | 1.12% | 0.89% | 1.05% | 1.06% |
| NB Bancorp, Inc. Common Stock (NBBK)vs › | $929.72M | 0.79% | 0.77% | 0.65% | 0.67% |
| Camden National Corp. (CAC)vs › | $956.27M | 1.28% | 0.92% | 0.92% | 1.02% |
| Mid Penn Bancorp, Inc. (MPB)vs › | $920.53M | 0.96% | 0.91% | 0.94% | 0.88% |
| Prospect Capital Corporation (PSEC)vs › | $909.33M | 2.38% | -2.27% | -0.62% | 3.40% |
| Forbright, Inc. Class A Common Stock (FRBT)vs › | $915.20M | 1.11% | 1.11% | 1.11% | 1.11% |
| First Community Bankshares, Inc. (FCBC)vs › | $902.58M | 1.64% | 1.54% | 1.51% | 1.47% |
| First Financial Corporation (THFF)vs › | $885.27M | 1.37% | 1.11% | 1.23% | 1.18% |
| Horizon Bancorp, Inc. (HBNC)vs › | $993.49M | -2.19% | -0.94% | -0.09% | 0.33% |
ROA
1.0%
ROE
9.9%
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 | 0.95% |
| 2024-12-31 | 0.78% |
| 2023-12-31 | 0.95% |
| 2022-12-31 | 1.25% |
| 2021-12-31 | 0.99% |
| 2020-12-31 | 0.89% |
| 2019-12-31 | 1.11% |
| 2018-12-31 | 1.24% |
| 2017-12-31 | 0.88% |
| 2016-12-31 | 0.87% |
| 2015-12-31 | 0.89% |
| 2014-12-31 | 0.95% |
| 2013-12-31 | 0.88% |
| 2012-12-31 | 0.86% |
| 2011-12-31 | 0.78% |
| 2010-12-31 | 0.74% |
| 2009-12-31 | 0.76% |
| 2008-12-31 | 0.97% |
| 2007-12-31 | 1.17% |
| 2006-12-31 | 1.43% |
| 2005-12-31 | 2.03% |
| 2004-12-31 | 1.97% |
| 2003-12-31 | 1.91% |
| 2002-12-31 | 1.83% |
| 2001-12-31 | 1.76% |
| 2000-12-31 | 1.70% |
| 1999-12-31 | 1.62% |
| 1998-12-31 | 1.41% |
| 1997-12-31 | 1.36% |
| 1996-12-31 | 1.27% |
