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 1.27% is 24% below its 5-year average of 1.68%, near the low end of its 5-year range (1.12%–2.01%).
9.93% below its 12-month average of 1.41%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.37%.
RETURN ON ASSETS (ROA)
1.27%
RETURN ON ASSETS (ROA) AVG TTM
1.41%
RETURN ON ASSETS (ROA) AVG 3Y
1.55%
RETURN ON ASSETS (ROA) AVG 5Y
1.68%
RETURN ON ASSETS (ROA) AVG 10Y
1.55%
RETURN ON ASSETS (ROA) AVG 15Y
N/A
RETURN ON ASSETS (ROA) AVG 20Y
N/A
CURRENT VS TTM AVG
-9.93%
CURRENT VS 3Y AVG
-18.20%
CURRENT VS 5Y AVG
-24.48%
CURRENT VS 10Y AVG
-17.82%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
1.22%
median of 576 covered companies
CURRENT VS SECTOR MEDIAN
+4.10%
vs the sector median at left
Merchants Bancorp
Market Cap
$2.54B
Return on Assets (ROA)
1.27%
TTM Avg
1.41%
3Y Avg
1.55%
5Y Avg
1.68%
Market Cap
$2.52B
Return on Assets (ROA)
0.87%
TTM Avg
1.15%
3Y Avg
1.19%
5Y Avg
1.19%
Market Cap
$2.51B
Return on Assets (ROA)
0.48%
TTM Avg
0.18%
3Y Avg
0.38%
5Y Avg
0.53%
Market Cap
$2.50B
Return on Assets (ROA)
1.27%
TTM Avg
0.84%
3Y Avg
0.93%
5Y Avg
0.94%
Market Cap
$2.58B
Return on Assets (ROA)
-1.32%
TTM Avg
-0.78%
3Y Avg
-1.34%
5Y Avg
-1.24%
Market Cap
$2.50B
Return on Assets (ROA)
1.02%
TTM Avg
0.76%
3Y Avg
0.94%
5Y Avg
0.96%
Market Cap
$2.44B
Return on Assets (ROA)
-31.96%
TTM Avg
-15.13%
3Y Avg
-7.41%
5Y Avg
1.72%
Market Cap
$2.64B
Return on Assets (ROA)
1.32%
TTM Avg
1.04%
3Y Avg
1.06%
5Y Avg
1.08%
Market Cap
$2.39B
Return on Assets (ROA)
1.27%
TTM Avg
1.41%
3Y Avg
1.55%
5Y Avg
1.68%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Merchants Bancorp (MBINM) | $2.54B | 1.27% | 1.41% | 1.55% | 1.68% |
| First Merchants Corporation (FRME)vs › | $2.52B | 0.87% | 1.15% | 1.19% | 1.19% |
| Columbia Financial, Inc. (CLBK)vs › | $2.51B | 0.48% | 0.18% | 0.38% | 0.53% |
| First Busey Corporation (BUSE)vs › | $2.50B | 1.27% | 0.84% | 0.93% | 0.94% |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | -1.32% | -0.78% | -1.34% | -1.24% |
| First Bancorp (FBNC)vs › | $2.50B | 1.02% | 0.76% | 0.94% | 0.96% |
| Oxford Lane Capital Corp. (OXLCM)vs › | $2.44B | -31.96% | -15.13% | -7.41% | 1.72% |
| NBT Bancorp Inc. (NBTB)vs › | $2.64B | 1.32% | 1.04% | 1.06% | 1.08% |
| Merchants Bancorp (MBINL)vs › | $2.39B | 1.27% | 1.41% | 1.55% | 1.68% |
| Merchants Bancorp (MBINN)vs › | $2.38B | 1.27% | 1.41% | 1.55% | 1.68% |
ROA
1.3%
ROE
11.2%
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 | 1.12% |
| 2024-12-31 | 1.70% |
| 2023-12-31 | 1.65% |
| 2022-12-31 | 1.74% |
| 2021-12-31 | 2.01% |
| 2020-12-31 | 1.87% |
| 2019-12-31 | 1.21% |
| 2018-12-31 | 1.62% |
| 2017-12-31 | 1.61% |
| 2016-12-31 | 1.22% |
| 2015-12-31 | 1.25% |
