U.S. Banks under $100M in Assets — Return on Equity (annualized), 2025Q3

Population: 649 Call Report filers, reporting date 2025-09-30.

Cite as: FACTANKER, https://factanker.com/banks/assets-lt-100m/return-on-equity/2025Q3

← 2025Q2 · 2025Q4 → · latest quarter

10th percentile	-2.5%
25th percentile	2.9%
Median	7.7%
75th percentile	12.2%
90th percentile	17.0%
Mean	5.9%
Minimum	-279.0%
Maximum	72.2%

Methodology & sources
Year-to-date net income (RIAD4340), annualized by multiplying with 4 / quarter number, divided by bank equity capital at the quarter end (item 3210).
One row per reporting institution (RSSD) as of 2025-09-30; 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

UNITED ORIENT BANK $99.9M assets · evidence
CITIZENS STATE BANK AND TRUST COMPANY $99.8M assets · evidence
STRASBURG STATE BANK $99.6M assets · evidence
BAR HARBOR SAVINGS AND LOAN ASSOCIATION $99.6M assets · evidence
HOMETOWN COMMUNITY BANK $99.6M 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