U.S. Banks under $100M in Assets — Return on Assets (annualized), 2023Q4

Population: 737 Call Report filers, reporting date 2023-12-31.

Cite as: FACTANKER, https://factanker.com/banks/assets-lt-100m/return-on-assets/2023Q4

← 2023Q3 · 2024Q1 → · latest quarter

10th percentile	-0.1%
25th percentile	0.4%
Median	0.8%
75th percentile	1.4%
90th percentile	2.4%
Mean	1.5%
Minimum	-34.0%
Maximum	78.9%

Methodology & sources
Year-to-date net income (RIAD4340), annualized by multiplying with 4 / quarter number, divided by total assets at the quarter end (item 2170).
One row per reporting institution (RSSD) as of 2023-12-31; percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain). Data: FACTANKER registry, precomputed 2026-09-06.

Evidence samples

Largest institutions in this group

TBO BANK $99.9M assets · evidence
WHITE STATE BANK $99.8M assets · evidence
MUTUAL FEDERAL BANK $99.7M assets · evidence
FREDONIA VALLEY BANK $99.7M assets · evidence
CITIZENS STATE BANK AND TRUST COMPANY $99.5M assets · evidence

Not claimed

Population is Call Report filers (FDIC-insured commercial banks and savings institutions). Credit unions, holding companies and non-US banks are not part of it.
One row per reporting institution (RSSD), not per banking group: a holding company with three bank subsidiaries counts three times.
Income statement items are year-to-date, not quarterly. Ratios marked annualized are multiplied by 4 / quarter number; net income is not.
The state of an institution is its current head-office state from the Call Report directory, applied to all of its quarters.
Comparisons across 2011Q4 / 2012Q1 are not pure market movement: thrift institutions moved from the Thrift Financial Report into the Call Report in 2012Q1 (filers 6,789 -> 7,377).
sample_fact_ids evidence the three largest institutions of the class, not every number in the distribution.

All quarters of this metric · All U.S. Banks under $100M in Assets benchmarks · All bank benchmarks