Ranking · return on assets

Most Profitable Banks

Banks with the highest return on assets (ROA), indicating efficient use of assets to generate profit.

Compiled from official public sources by the publisher.
70.45%
Top: Capital Bank and Trust Company
50
Banks ranked
60.0%
Avg Tier 1 capital
9.47%
Avg ROA

Data updated July 2026

What this ranking shows

Capital Bank and Trust Company of Irvine, CA leads at 70.45%; the #50 cutoff to make this list is 3.25%.

70.45%
#1 - Capital Bank and Trust Company
3.25%
#50, the cutoff to make this list
60.0%
average Tier 1 capital ratio
9.47%
average return on assets

Rankings are point-in-time snapshots from public FDIC Call Report data, not recommendations, and not official FDIC ratings. Deposits stay FDIC-insured to $250,000 per depositor, per category.

For context: the 50 banks in this ranking average 60.0% Tier 1 capital, above the 16.9% average across all 4,313 FDIC-insured banks PlainBankData tracks.

The bar to make this list

Every one of the 4,307 banks with a reported return on assets, bucketed. The #50 cutoff to make this list (3.25%) falls in the highlighted band.

Top 10 by roa

Most Profitable Banks - top 10
  1. 1
    Capital Bank and Trust Company 70.45%

    Irvine, CA · Grade A · $191M

  2. 2
    SEI Private Trust Company 41.90%

    Oaks, PA · Grade A · $241M

  3. 3
    Northwestern Mutual Wealth Management 34.28%

    Milwaukee, WI · Grade A · $465M

  4. 4
    Square Financial Services, Inc. 31.51%

    Salt Lake City, UT · Grade A · $1.7B

  5. 5
    Credit One Bank 27.69%

    Las Vegas, NV · Grade A · $2.0B

  6. 6
    Titan Bank 21.80%

    Mineral Wells, TX · Grade A · $820M

  7. 7
    Nationwide Trust Company, FSB 19.70%

    Columbus, OH · Grade A · $167M

  8. 8
    The Bank of New York Mellon Trust Com… 16.82%

    Los Angeles, CA · Grade A · $1.4B

  9. 9
    CIBC National Trust Company 13.26%

    Atlanta, GA · Grade A · $397M

  10. 10
    First Electronic Bank 12.66%

    Salt Lake City, UT · Grade A · $482M

Top 10 of 50 ranked banks · FDIC Call Report Q4 2025. Bar length is relative to the roa of the leading bank.

Full ranking (50)

# Bank Grade ROA
1 Capital Bank and Trust Company A 70.45%
2 SEI Private Trust Company A 41.90%
3 Northwestern Mutual Wealth Management A 34.28%
4 Square Financial Services, Inc. A 31.51%
5 Credit One Bank, National Association A 27.69%
6 Titan Bank, N.A. A 21.80%
7 Nationwide Trust Company, FSB A 19.70%
8 The Bank of New York Mellon Trust Company, National Association A 16.82%
9 CIBC National Trust Company A 13.26%
10 First Electronic Bank A 12.66%
11 Edward Jones Trust Company A 10.85%
12 The Haverford Trust Company A 7.97%
13 Wilmington Trust, National Association A 7.95%
14 Column National Association A 7.76%
15 The Pitney Bowes Bank, Inc. A 6.11%
16 First Credit Bank A 5.89%
17 Stafford Savings Bank A 5.51%
18 BNY Mellon Trust of Delaware A 5.38%
19 Sutton Bank A 5.25%
20 Bank Michigan A 5.20%
21 Capital Community Bank A 5.06%
22 Comenity Bank A 4.91%
23 Central Bank of Kansas City A 4.84%
24 WEX Bank A 4.62%
25 WebBank A 4.46%
26 Eaglemark Savings Bank A 4.36%
27 American Interstate Bank A 4.23%
28 Celtic Bank A 4.12%
29 Cumberland Security Bank, Inc. A 3.98%
30 State Bank of Texas A 3.98%
31 Servbank, National Association A 3.92%
32 American Express National Bank A 3.89%
33 John Deere Financial, f.s.b. A 3.87%
34 FSNB, National Association A 3.82%
35 Luminate Bank B 3.72%
36 WOODTRUST BANK B 3.65%
37 Bank of Montana A 3.61%
38 InterBank B 3.60%
39 First Bank A 3.58%
40 Valley Bank of Commerce A 3.50%
41 County Bank A 3.50%
42 Hatch Bank A 3.50%
43 Bank of Alma A 3.49%
44 NewFirst National Bank A 3.45%
45 Crown Bank A 3.44%
46 First Federal Savings and Loan Bank A 3.40%
47 Bank of Hydro A 3.29%
48 Spring Valley Bank A 3.28%
49 FNB Picayune Bank A 3.26%
50 The Commercial National Bank of Brady A 3.25%

What "Most Profitable Banks" actually measures

Banks with the highest return on assets (ROA), indicating efficient use of assets to generate profit. This page shows up to 50 institutions sorted on the specific metric named above, reported as filed by each bank in its quarterly FDIC Call Report, not blended with proprietary signals, customer reviews, or non-financial inputs. A bank's position shifts each quarter as call-report data refreshes; rankings are point-in-time snapshots, not trailing averages.

How to use a ranked view

Single-metric rankings narrow the universe of 4,300+ FDIC-insured banks down to a manageable shortlist. They are not, on their own, a recommendation. A bank at #1 for one metric (say ROA) may sit at #800 on another (efficiency ratio or Tier 1 capital). Pick the top 10–20 candidates that match a metric you care about, then click into each bank's profile for the full balance-sheet picture.

What this ranking does not tell you

This list says nothing about deposit-account features (fees, ATM networks, app quality, branch availability), customer service, or commercial credit quality beyond the broad ratios FDIC publishes. A community bank may rank well on Tier 1 capital and ROA yet still be wrong for someone who needs a national branch footprint. Every depositor at every bank here is FDIC-insured to the standard limit; the ranking is about institutional health, not personal account safety.

Methodology and recompute cadence

All metrics derive from the FDIC's Quarterly Banking Profile and Institution Directory, both public-domain. We recompute the rankings on each FDIC quarterly release; the page lastmod reflects the most recent recompute. Banks that merged, were acquired, or closed between quarters are removed at the first refresh that captures the event. A bank that fails to file on time is excluded from rate-based rankings for that quarter, we do not impute or extrapolate.

What to do with this ranking

Turn the leaderboard into a shortlist.

  • Open the profiles of the top banks to read the full four-pillar breakdown behind each score. Top bank profile
  • Cross-reference against another ranking, top of both profitability and capital adequacy is the most resilient profile. Best capitalized
  • Confirm your deposit insurance coverage before moving any balance over $250,000. FDIC insurance

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions of future performance.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Quarterly Banking Profile). See our methodology for the full pipeline, source vintage, and column lineage.

Retrieved and compiled by PlainBankData from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.

Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.