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 1.32% is 22% above its 5-year average of 1.08%, near the high end of its 5-year range (0.89%–1.32%).
26.92% above its 12-month average of 1.04%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.33%.
RETURN ON ASSETS (ROA)
1.32%
RETURN ON ASSETS (ROA) AVG TTM
1.04%
RETURN ON ASSETS (ROA) AVG 3Y
1.06%
RETURN ON ASSETS (ROA) AVG 5Y
1.08%
RETURN ON ASSETS (ROA) AVG 10Y
1.06%
RETURN ON ASSETS (ROA) AVG 15Y
1.03%
RETURN ON ASSETS (ROA) AVG 20Y
1.03%
CURRENT VS TTM AVG
+26.92%
CURRENT VS 3Y AVG
+23.94%
CURRENT VS 5Y AVG
+21.85%
CURRENT VS 10Y AVG
+24.85%
CURRENT VS 15Y AVG
+28.70%
CURRENT VS 20Y AVG
+27.74%
SECTOR MEDIAN · FINANCIAL SERVICES
1.22%
median of 615 covered companies
CURRENT VS SECTOR MEDIAN
+8.20%
vs the sector median at left
NBT Bancorp Inc.
Market Cap
$2.63B
Return on Assets (ROA)
1.32%
TTM Avg
1.04%
3Y Avg
1.06%
5Y Avg
1.08%
Market Cap
$2.58B
Return on Assets (ROA)
-1.32%
TTM Avg
-0.78%
3Y Avg
-1.34%
5Y Avg
-1.24%
Market Cap
$2.54B
Return on Assets (ROA)
1.27%
TTM Avg
1.41%
3Y Avg
1.55%
5Y Avg
1.68%
Market Cap
$2.51B
Return on Assets (ROA)
0.87%
TTM Avg
1.15%
3Y Avg
1.19%
5Y Avg
1.19%
Market Cap
$2.49B
Return on Assets (ROA)
1.27%
TTM Avg
0.84%
3Y Avg
0.93%
5Y Avg
0.94%
Market Cap
$2.49B
Return on Assets (ROA)
1.02%
TTM Avg
0.76%
3Y Avg
0.94%
5Y Avg
0.96%
Market Cap
$2.49B
Return on Assets (ROA)
0.48%
TTM Avg
0.18%
3Y Avg
0.38%
5Y Avg
0.53%
Market Cap
$2.79B
Return on Assets (ROA)
0.87%
TTM Avg
1.15%
3Y Avg
1.19%
5Y Avg
1.19%
Market Cap
$2.44B
Return on Assets (ROA)
-31.96%
TTM Avg
-15.13%
3Y Avg
-7.41%
5Y Avg
1.72%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| NBT Bancorp Inc. (NBTB) | $2.63B | 1.32% | 1.04% | 1.06% | 1.08% |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | -1.32% | -0.78% | -1.34% | -1.24% |
| Merchants Bancorp (MBINM)vs › | $2.54B | 1.27% | 1.41% | 1.55% | 1.68% |
| First Merchants Corporation (FRME)vs › | $2.51B | 0.87% | 1.15% | 1.19% | 1.19% |
| First Busey Corporation (BUSE)vs › | $2.49B | 1.27% | 0.84% | 0.93% | 0.94% |
| First Bancorp (FBNC)vs › | $2.49B | 1.02% | 0.76% | 0.94% | 0.96% |
| Columbia Financial, Inc. (CLBK)vs › | $2.49B | 0.48% | 0.18% | 0.38% | 0.53% |
| First Merchants Corporation (FRMEP)vs › | $2.79B | 0.87% | 1.15% | 1.19% | 1.19% |
| Oxford Lane Capital Corp. (OXLCM)vs › | $2.44B | -31.96% | -15.13% | -7.41% | 1.72% |
| Slide Insurance Holdings, Inc. Common Stock (SLDE)vs › | $2.85B | 15.44% | 12.81% | 9.22% | 9.22% |
ROA
1.3%
ROE
11.0%
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 | 1.06% |
| 2024-12-31 | 1.02% |
| 2023-12-31 | 0.89% |
| 2022-12-31 | 1.29% |
| 2021-12-31 | 1.29% |
| 2020-12-31 | 0.95% |
| 2019-12-31 | 1.25% |
| 2018-12-31 | 1.18% |
| 2017-12-31 | 0.90% |
| 2016-12-31 | 0.88% |
| 2015-12-31 | 0.92% |
| 2014-12-31 | 0.96% |
| 2013-12-31 | 0.81% |
| 2012-12-31 | 0.90% |
| 2011-12-31 | 1.03% |
| 2010-12-31 | 1.08% |
| 2009-12-31 | 0.95% |
| 2008-12-31 | 1.09% |
| 2007-12-31 | 0.97% |
| 2006-12-31 | 1.10% |
| 2005-12-31 | 1.18% |
| 2004-12-31 | 1.19% |
| 2003-12-31 | 1.16% |
| 2002-12-31 | 1.21% |
| 2001-12-31 | 0.10% |
| 2000-12-31 | 0.39% |
| 1999-12-31 | 1.37% |
| 1998-12-31 | 2.08% |
| 1997-12-31 | 1.15% |
| 1996-12-31 | 1.07% |
