First National Bank & Trust: Return on Average Assets
Data as of · sourced from FFIEC call reports. How we update
First National Bank & Trust reported a return on average assets of 0.83% as of Q2 2026, ranking #2,851 of 3,648 U.S. banks (22nd 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 & Trust's Return on Average Assets?
First National Bank & Trust's Return on Average Assets was 0.83% as of Q2 2026, ranking #2851 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 & Trust metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First National Bank & Trust profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 5062) · FFIEC NIC profile (RSSD 251558)