Mechanics & Farmers Bank: Return on Average Assets
Data as of · sourced from FFIEC call reports. How we update
Mechanics & Farmers Bank reported a return on average assets of 0.70% as of Q2 2026, ranking #3,049 of 3,648 U.S. banks (16th percentile). Return on Assets (ROA) measures net income divided by average total assets, the single most-watched US banking profitability metric.
12-Quarter Trend
National Context
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.
Full definition & formula →Frequently asked questions
What is Mechanics & Farmers Bank's Return on Average Assets?
Mechanics & Farmers Bank's Return on Average Assets was 0.70% as of Q2 2026, ranking #3049 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 Mechanics & Farmers Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Mechanics & Farmers Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 12266) · FFIEC NIC profile (RSSD 332224)