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 1.65% is 16% above its 5-year average of 1.42%, near the high end of its 5-year range (0.82%–1.89%).
7.49% above its 12-month average of 1.54%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.48%.
RETURN ON ASSETS (ROA)
1.65%
RETURN ON ASSETS (ROA) AVG TTM
1.54%
RETURN ON ASSETS (ROA) AVG 3Y
1.57%
RETURN ON ASSETS (ROA) AVG 5Y
1.42%
RETURN ON ASSETS (ROA) AVG 10Y
1.03%
RETURN ON ASSETS (ROA) AVG 15Y
0.94%
RETURN ON ASSETS (ROA) AVG 20Y
0.94%
CURRENT VS TTM AVG
+7.49%
CURRENT VS 3Y AVG
+4.93%
CURRENT VS 5Y AVG
+16.47%
CURRENT VS 10Y AVG
+60.05%
CURRENT VS 15Y AVG
+75.16%
CURRENT VS 20Y AVG
+75.16%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
+33.60%
vs the sector median at left
Private Bancorp of America, Inc.
Market Cap
$493.98M
Return on Assets (ROA)
1.65%
TTM Avg
1.54%
3Y Avg
1.57%
5Y Avg
1.42%
Market Cap
$494.49M
Return on Assets (ROA)
1.23%
TTM Avg
0.81%
3Y Avg
0.86%
5Y Avg
0.86%
Market Cap
$493.31M
Return on Assets (ROA)
0.97%
TTM Avg
0.63%
3Y Avg
0.02%
5Y Avg
0.32%
Market Cap
$487.30M
Return on Assets (ROA)
-31.75%
TTM Avg
0.09%
3Y Avg
0.09%
5Y Avg
0.09%
Market Cap
$487.12M
Return on Assets (ROA)
1.14%
TTM Avg
0.87%
3Y Avg
0.88%
5Y Avg
0.91%
Market Cap
$486.22M
Return on Assets (ROA)
2.28%
TTM Avg
2.79%
3Y Avg
3.04%
5Y Avg
2.28%
Market Cap
$505.68M
Return on Assets (ROA)
1.69%
TTM Avg
1.33%
3Y Avg
1.23%
5Y Avg
1.10%
Market Cap
$506.28M
Return on Assets (ROA)
0.95%
TTM Avg
0.70%
3Y Avg
0.83%
5Y Avg
0.96%
Market Cap
$473.69M
Return on Assets (ROA)
1.71%
TTM Avg
0.10%
3Y Avg
0.10%
5Y Avg
0.10%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Private Bancorp of America, Inc. (PBAM) | $493.98M | 1.65% | 1.54% | 1.57% | 1.42% |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $494.49M | 1.23% | 0.81% | 0.86% | 0.86% |
| Ponce Financial Group, Inc. (PDLB)vs › | $493.31M | 0.97% | 0.63% | 0.02% | 0.32% |
| Churchill Capital Corp XI (CCXI)vs › | $487.30M | -31.75% | 0.09% | 0.09% | 0.09% |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $487.12M | 1.14% | 0.87% | 0.88% | 0.91% |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $486.22M | 2.28% | 2.79% | 3.04% | 2.28% |
| Orange County Bancorp, Inc. (OBT)vs › | $505.68M | 1.69% | 1.33% | 1.23% | 1.10% |
| West Bancorporation, Inc. (WTBA)vs › | $506.28M | 0.95% | 0.70% | 0.83% | 0.96% |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | 1.71% | 0.10% | 0.10% | 0.10% |
| Gores Holdings X, Inc. (GTEN)vs › | $471.94M | 0.23% | 0.13% | -2.26% | -2.26% |
ROA
1.6%
ROE
15.7%
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 | 1.60% |
| 2024-12-31 | 1.47% |
| 2023-12-31 | 1.89% |
| 2022-12-31 | 1.33% |
| 2021-12-31 | 1.39% |
| 2020-12-31 | 0.82% |
| 2019-12-31 | -0.04% |
| 2018-12-31 | 0.49% |
| 2017-12-31 | 0.51% |
| 2016-12-31 | 0.79% |
| 2015-12-31 | 1.09% |
| 2014-12-31 | 0.60% |
| 2013-12-31 | 0.97% |
| 2012-12-31 | 0.76% |
| 2011-12-31 | 0.46% |
| 2006-12-31 | -3.76% |
