First National Bank of Central Texas: Return on Average Assets
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Central Texas reported a return on average assets of 2.45% as of Q2 2026, ranking #188 of 3,648 U.S. banks (95th percentile). Return on Assets (ROA) measures net income divided by average total assets, the single most-watched US banking profitability metric.
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What is the Return on Average Assets?
Return on Average Assets measures net income against the bank's average total assets over the period. It is the single most-watched profitability metric in banking because it normalizes for bank size and capital structure.
Most healthy US community banks report ROA between 0.8% and 1.4%. Anything above 1.5% is excellent (often signals specialty lending or premium funding cost advantage). Anything below 0.5% suggests structural profitability problems.
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What is First National Bank of Central Texas's Return on Average Assets?
First National Bank of Central Texas's Return on Average Assets was 2.45% as of Q2 2026, ranking #188 of 3,648 U.S. banks.
What is the Return on Average Assets?
Return on Average Assets measures net income against the bank's average total assets over the period. It is the single most-watched profitability metric in banking because it normalizes for bank size and capital structure.
More First National Bank of Central Texas metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First National Bank of Central Texas profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 3325) · FFIEC NIC profile (RSSD 369659)