The U.S. commercial banking industry's return on assets (ROA) has experienced dramatic shifts over two decades. Peaking at **** percent in the first quarter of 2004, it plummeted to a historic low of ***** percent during the fourth quarter of 2008's global financial crisis. After a gradual recovery, the ROA stabilized around ******* percent in 2023, despite a decline to one percent in the final quarter. Throughout 2024, U.S. banks demonstrated relative consistency, with ROA fluctuating between **** and **** percent. Early 2025 saw an increase in the sector's ROA, reaching **** percent, the highest since the first quarter of 2023. In contrast, the European banking industry maintained a lower performance, with ROA averaging ******* percent during the same period. Steady growth amidst fluctuations in net operating income Despite the lowest quarterly net operating income of the U.S. banking industry being measured in the fourth quarter of 2008, at a negative ** billion U.S. dollars. The average quarterly income of all FDIC-insured institutions grew steadily after the global financial crisis. It experienced a sharp decrease due to the COVID-19 pandemic in the first half of 2008. 2020. After 2021, the industry saw another steady decrease in its quarterly income until it started to increase again towards the end of 2022. In 2024, the bank with the highest reported revenue was JPMorgan Chase. Stability and resilience in capital adequacy The common equity tier 1 (CET1) ratio of the U.S. commercial banking industry has shown resilience, with an upward trajectory throughout 2024. Despite sharp decreases due to global financial crises and the COVID-19 pandemic, the industry has demonstrated stability and gradual recovery in its capital adequacy, culminating in an ROA of **** percent in the first quarter of 2025. As of the second quarter of 2025, the ROA has decreased to **** percent.

There was a significant drop in the average return on assets (ROA) of the EU banking industry in 2020, which was caused by the poor economic conditions due to COVID-19. The ROA of the banking sector in 2020, however, remained well above the value measured during the global financial crisis in 2007 and 2008, and the euro area recession in 2012. As the economy stabilized after the pandemic, so did the ROA of the banking industry, which stood at 0.7 percent at the end of 2024, the highest value during the observed period.

Graph and download economic data for Return on Average Assets for all U.S. Banks (DISCONTINUED) (USROA) from Q1 1984 to Q3 2020 about ROA, banks, depository institutions, and USA.

In the second quarter of 2025, JPMorgan Chase topped the list of the ** largest U.S. banks in terms of return on assets (ROA), achieving a robust **** percent. Bank of New York Mellon secured the second position with a ROA of **** percent. At the other end of the spectrum, Capital One reported the lowest ROA among this group, with a negative **** percent. This range demonstrates the significant performance gap within the top tier of U.S. banking institutions.

Graph and download economic data for Bank's Return on Assets for United States (DDEI05USA156NWDB) from 2000 to 2021 about ROA, banks, depository institutions, and USA.

Georgia Commercial Banks: Return on Assets (ROA) data was reported at 4.172 % in Jun 2023. This records an increase from the previous number of 3.904 % for Mar 2023. Georgia Commercial Banks: Return on Assets (ROA) data is updated quarterly, averaging 2.766 % from Mar 2001 (Median) to Jun 2023, with 90 observations. The data reached an all-time high of 5.172 % in Sep 2003 and a record low of -6.879 % in Mar 2020. Georgia Commercial Banks: Return on Assets (ROA) data remains active status in CEIC and is reported by National Bank of Georgia. The data is categorized under Global Database’s Georgia – Table GE.KB015: Financial Soundness Indicators: Commercial Banks.

Graph and download economic data for Bank's Return on Assets for Slovenia (DDEI05SIA156NWDB) from 2000 to 2021 about Slovenia, ROA, banks, and depository institutions.

India Scheduled Commercial Banks: Return on Assets data was reported at 1.350 % in 2024. This records an increase from the previous number of 1.140 % for 2023. India Scheduled Commercial Banks: Return on Assets data is updated yearly, averaging 1.010 % from Mar 2000 (Median) to 2024, with 25 observations. The data reached an all-time high of 1.350 % in 2024 and a record low of -0.150 % in 2018. India Scheduled Commercial Banks: Return on Assets data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under Global Database’s India – Table IN.KBB021: Scheduled Commercial Banks: Selected Financial Ratios.

In 2024, the return on assets (ROA) of the banking industry in Luxembourg reached its peak at 0.78 percent, up from 0.71 percent in the previous year. The ROA is calculated by dividing a company's net income by its total assets. Financial analysts frequently apply this as a key financial indicator, as banks rely on loans and money flow as their business model. As such, it is said that even a profit of one percent could be a significant number for a bank.

As of March 2025, Polish banks led all European countries with the highest return on assets (ROA), followed by Croatia and Bulgaria. In contrast, France and Belgium reported the lowest banking sector ROA, both at just *** percent.

The profitability of Belgian banks remained stable between 2014 and 2024, reaching a level that was on par with profits from before the financial crisis. As of 2024, the return on assets (ROA) of the Belgian banking industry was 0.74 percent, which was a significant increase compared to 2020. The ROA shows the average per-euro profit banks earned on their assets. It is calculated by dividing a company's net after-tax income by total assets. Financial analysts frequently apply this as a key financial indicator, as banks rely on loans and money flow as their business model. As such, it is said that even a profit of one percent could be a significant number for a bank.

Indonesia Commercial Banks: Return On Asset (ROA) data was reported at 2.560 % in Sep 2025. This records a decrease from the previous number of 2.570 % for Aug 2025. Indonesia Commercial Banks: Return On Asset (ROA) data is updated monthly, averaging 2.981 % from Jan 2003 (Median) to Sep 2025, with 273 observations. The data reached an all-time high of 3.703 % in Jan 2012 and a record low of 1.270 % in Jan 2006. Indonesia Commercial Banks: Return On Asset (ROA) data remains active status in CEIC and is reported by Indonesia Financial Services Authority. The data is categorized under Global Database’s Indonesia – Table ID.KB: Bank Performance: Commercial Banks. [COVID-19-IMPACT]

Graph and download economic data for Bank's Return on Assets for Serbia (DDEI05RSA156NWDB) from 2000 to 2021 about Serbia, ROA, banks, and depository institutions.

The return on assets (ROA) of the banking industry in Germany showed fluctuations over the years between 2014 and 2025 primarily hovering between *** percent and *** percent, with occasional drops and hikes. The largest drop in the ROA took place in the first quarter of 2020, due to the COVID-19 pandemic that resulted in poor financial performance. The ROA stabilized after the first quarter of 2020, reaching *** percent a year later and around **** percent in the first quarter of 2025.

Graph and download economic data for Bank's Return on Assets for France (DDEI05FRA156NWDB) from 2000 to 2021 about ROA, France, banks, and depository institutions.

As of the 2nd quarter of 2024, the return on assets (ROA) of the banking industry in Malaysia was at *** percent. This was a slight increase compared to the ROA in the previous quarter. The ROA is a measure to indicate profitability in relation to total assets.

Serbia Banking Sector: Return on Assets (ROA) Ratio data was reported at 2.848 % in Dec 2024. This records a decrease from the previous number of 3.127 % for Sep 2024. Serbia Banking Sector: Return on Assets (ROA) Ratio data is updated quarterly, averaging 1.412 % from Dec 2004 (Median) to Dec 2024, with 81 observations. The data reached an all-time high of 3.167 % in Jun 2024 and a record low of -1.100 % in Dec 2004. Serbia Banking Sector: Return on Assets (ROA) Ratio data remains active status in CEIC and is reported by National Bank of Serbia. The data is categorized under Global Database’s Serbia – Table RS.KB011: Banking Sector Performance Indicators.

Graph and download economic data for Bank's Return on Assets for Pakistan (DDEI05PKA156NWDB) from 2000 to 2021 about ROA, Pakistan, banks, and depository institutions.

Graph and download economic data for Bank's Return on Assets for Czech Republic (DDEI05CZA156NWDB) from 2000 to 2021 about ROA, Czech Republic, banks, and depository institutions.

Operating-Return-On-Assets Time Series for Bank of America Corp. Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. The company operates through four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, checking accounts, and investment accounts and products; credit and debit cards; residential mortgages and home equity loans; and direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The GWIM segment provides investment management, brokerage, banking, and trust and retirement products and services; wealth management solutions; and customized solutions, including specialty asset management services. The Global Banking segment offers lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, short-term investing options, and merchant services; working capital management solutions; debt and equity underwriting and distribution, and merger-related and other advisory services; and fixed-income and equity research services. The Global Markets segment provides market-making, financing, securities clearing, settlement, and custody services; securities and derivative products; and risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. Bank of America Corporation was founded in 1784 and is based in Charlotte, North Carolina.