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 2.43% is 17% above its 5-year average of 2.08%, near the high end of its 5-year range (1.19%–2.73%).
4.14% below its 12-month average of 2.54%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.56%.
RETURN ON ASSETS (ROA)
2.43%
RETURN ON ASSETS (ROA) AVG TTM
2.54%
RETURN ON ASSETS (ROA) AVG 3Y
2.44%
RETURN ON ASSETS (ROA) AVG 5Y
2.08%
RETURN ON ASSETS (ROA) AVG 10Y
1.78%
RETURN ON ASSETS (ROA) AVG 15Y
1.56%
RETURN ON ASSETS (ROA) AVG 20Y
1.34%
CURRENT VS TTM AVG
-4.14%
CURRENT VS 3Y AVG
-0.21%
CURRENT VS 5Y AVG
+16.55%
CURRENT VS 10Y AVG
+36.38%
CURRENT VS 15Y AVG
+55.58%
CURRENT VS 20Y AVG
+81.49%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 584 covered companies
CURRENT VS SECTOR MEDIAN
+98.37%
vs the sector median at left
International Bancshares Corporation
Market Cap
$4.32B
Return on Assets (ROA)
2.43%
TTM Avg
2.54%
3Y Avg
2.44%
5Y Avg
2.08%
Market Cap
$4.31B
Return on Assets (ROA)
1.15%
TTM Avg
1.06%
3Y Avg
1.05%
5Y Avg
1.00%
Market Cap
$4.24B
Return on Assets (ROA)
-79.46%
TTM Avg
-5.02%
3Y Avg
-13.75%
5Y Avg
-10.15%
Market Cap
$4.16B
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.55B
Return on Assets (ROA)
1.15%
TTM Avg
1.06%
3Y Avg
1.05%
5Y Avg
1.00%
Market Cap
$4.06B
Return on Assets (ROA)
1.41%
TTM Avg
1.27%
3Y Avg
1.43%
5Y Avg
1.39%
Market Cap
$4.60B
Return on Assets (ROA)
1.76%
TTM Avg
1.62%
3Y Avg
1.64%
5Y Avg
1.69%
Market Cap
$3.86B
Return on Assets (ROA)
16.72%
TTM Avg
17.30%
3Y Avg
17.05%
5Y Avg
15.85%
Market Cap
$3.85B
Return on Assets (ROA)
1.09%
TTM Avg
0.91%
3Y Avg
1.11%
5Y Avg
0.99%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| International Bancshares Corporation (IBOC) | $4.32B | 2.43% | 2.54% | 2.44% | 2.08% |
| Fulton Financial Corporation (FULT)vs › | $4.31B | 1.15% | 1.06% | 1.05% | 1.00% |
| Marathon Digital Holdings, Inc. (MARA)vs › | $4.24B | -79.46% | -5.02% | -13.75% | -10.15% |
| Defiance Quantum ETF (QTUM)vs › | $4.16B | N/A | N/A | N/A | N/A |
| Fulton Financial Corporation (FULTP)vs › | $4.55B | 1.15% | 1.06% | 1.05% | 1.00% |
| Cathay General Bancorp (CATY)vs › | $4.06B | 1.41% | 1.27% | 1.43% | 1.39% |
| First Financial Bankshares, Inc. (FFIN)vs › | $4.60B | 1.76% | 1.62% | 1.64% | 1.69% |
| CorVel Corporation (CRVL)vs › | $3.86B | 16.72% | 17.30% | 17.05% | 15.85% |
| Independent Bank Corp. (INDB)vs › | $3.85B | 1.09% | 0.91% | 1.11% | 0.99% |
| BFC Capital Trust II PFD TR 7.20% (BANFP)vs › | $3.83B | 1.67% | 1.61% | 1.63% | 1.56% |
ROA
2.4%
ROE
12.2%
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 | 2.47% |
| 2024-12-31 | 2.60% |
| 2023-12-31 | 2.73% |
| 2022-12-31 | 1.94% |
| 2021-12-31 | 1.58% |
| 2020-12-31 | 1.19% |
| 2019-12-31 | 1.69% |
| 2018-12-31 | 1.82% |
| 2017-12-31 | 1.29% |
| 2016-12-31 | 1.13% |
| 2015-12-31 | 1.16% |
| 2014-12-31 | 1.26% |
| 2013-12-31 | 1.05% |
| 2012-12-31 | 0.91% |
| 2011-12-31 | 1.08% |
| 2010-12-31 | 1.09% |
| 2009-12-31 | 1.21% |
| 2008-12-31 | 1.06% |
| 2007-12-31 | 1.09% |
| 2006-12-31 | 1.07% |
| 2005-12-31 | 1.35% |
| 2004-12-31 | 1.20% |
| 2003-12-31 | 1.86% |
| 2002-12-31 | 1.55% |
| 2001-12-31 | 1.31% |
| 2000-12-31 | 1.28% |
| 1999-12-31 | 1.22% |
| 1998-12-31 | 1.08% |
| 1997-12-31 | 1.08% |
| 1996-12-31 | 1.32% |
