US Bank Industry
US average return on assets, Q2 2026
The US banking system's return on assets was 1.31% in Q2 2026, for all 4,297 banks that filed a call report combined; the average bank's was 1.51%. The table below has every quarter we serve, Q2 2021 through Q2 2026 (21 quarters).
Net income as a percent of average total assets, year to date, at an annual rate.
Every quarter
| Quarter | US banking system | Average bank | Banks filing |
|---|---|---|---|
| Q2 2026 | 1.31% | 1.51% | 4,297 |
| Q1 2026 | 1.26% | 1.40% | 4,336 |
| Q4 2025 | 1.18% | 1.31% | 4,394 |
| Q3 2025 | 1.17% | 1.60% | 4,435 |
| Q2 2025 | 1.13% | 1.56% | 4,477 |
| Q1 2025 | 1.16% | 1.37% | 4,519 |
| Q4 2024 | 1.12% | 1.19% | 4,543 |
| Q3 2024 | 1.12% | 1.31% | 4,572 |
| Q2 2024 | 1.15% | 1.36% | 4,594 |
| Q1 2024 | 1.09% | 1.24% | 4,623 |
| Q4 2023 | 1.09% | 1.10% | 4,641 |
| Q3 2023 | 1.25% | 1.25% | 4,669 |
| Q2 2023 | 1.28% | 1.35% | 4,697 |
| Q1 2023 | 1.36% | 1.37% | 4,724 |
| Q4 2022 | 1.12% | 1.39% | 4,756 |
| Q3 2022 | 1.11% | 1.49% | 4,796 |
| Q2 2022 | 1.05% | 1.32% | 4,821 |
| Q1 2022 | 1.01% | 1.24% | 4,844 |
| Q4 2021 | 1.19% | 1.27% | 4,887 |
| Q3 2021 | 1.26% | 1.51% | 4,962 |
| Q2 2021 | 1.29% | 1.56% | 4,998 |
How to cite
BankRegReports. "US bank industry return on assets, quarterly." Data Q2 2021 to Q2 2026. https://www.bankregreports.com/industry/return-on-assets/ (retrieved October 23, 2026).
This URL is stable: it always shows the newest quarter, and older quarters stay in the table.
How this is measured. The US banking system figure is net income of all banks, year to date at an annual rate, over their average total assets, so a large bank counts in proportion to its size. The average bank figure is the simple average of each bank's own ratio, so every bank counts the same. Both cover every US bank and savings institution that filed a call report for the quarter. A quarter appears once enough banks have filed to describe the industry; until then the newest quarter shown is the one before. A median is not published here yet. Source: FFIEC Consolidated Reports of Condition and Income (call reports).
Related:
- What is the return on assets?
- Banks with the highest ROA
- The State of US Banking
- All US industry history pages
More US industry history:
- US average net interest margin
- US average return on equity
- US average efficiency ratio
- US average nonperforming loan ratio
- US average net charge-off ratio
- US average CET1 capital ratio
- US average tier 1 leverage ratio
- US average loan-to-deposit ratio
- US average brokered deposit ratio
- US average uninsured deposit ratio
- US average CRE concentration