Tri City BanksharesTRCY -0.63%62 ROA % is 0.73% as of Dec. 2025, which is 11% below its 10-year median of 0.82. GuruFocus rates TRCY with a GF Score™ of 62/100 and a GF Value™ of $15.42 (Modestly Overvalued). Among 1,530 Banks companies, Tri City Bankshares ranks worse than 66.34% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Tri City Bankshares's annualizedNet Income for the quarter that ended in Dec. 2025 was $14.65 Mil.
Tri City Bankshares's average Total Assets over the quarter that ended in Dec. 2025 was $2,004.77 Mil. Therefore, Tri City Bankshares's annualized ROA % for the quarter that ended in Dec. 2025 was 0.73%.
The historical rank and industry rank for Tri City Bankshares's ROA % or its related term are showing as below:
TRCY'
s ROA % Range Over the Past 10 Years
Min: 0.65 Med: 0.82 Max: 1.3
Current: 0.73
During the past 13 years, Tri City Bankshares's highest ROA % was 1.30%. The lowest was 0.65%. And the median was 0.82%.
TRCY's ROA % is ranked worse than 66.34% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs TRCY: 0.73
Tri City Bankshares (OTCPK:TRCY) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Tri City Bankshares ROA % Related Terms
Tri City Bankshares ROA % Historical Data
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The historical data trend for Tri City Bankshares's ROA % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Tri City Bankshares's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tri City Bankshares ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Tri City Bankshares's ROA % distribution charts can be found below:
* The bar in red indicates where Tri City Bankshares's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Tri City Bankshares (TRCY) has a ROA % of 0.73% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Tri City Bankshares and its competitors. This is 11% below median its historical median of 0.82. Over the past decade, Tri City Bankshares' ROA % has ranged from 0.65 to 1.30. According to the industry distribution chart, Tri City Bankshares ranks #1015 out of 1530 companies in the Banks industry, placing it in the top 66.3%.
Is Tri City Bankshares' ROA % too high?
Tri City Bankshares' current ROA % of 0.73% is 11% below median its 10-year median of 0.82. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 1.30. The Banks industry median ROA % is 0.98. Tri City Bankshares' value of 0.73% is 25.5% below this industry median. Based on the distribution chart, Tri City Bankshares ranks #1015 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Tri City Bankshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' ROA % compare to UBAB and SBKO?
According to the Banks industry distribution chart, Tri City Bankshares ranks #1015 out of 1530 companies for ROA %. This places Tri City Bankshares in the lower half of its industry. The industry median ROA % is 0.98. Tri City Bankshares' value of 0.73% is 25.5% below this benchmark. Historically, Tri City Bankshares' own ROA % has ranged from 0.65 to 1.30 over the past decade. While the company's 10-year median is 0.82 vs. the industry median of 0.98, Tri City Bankshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri City Bankshares's current ROA % of 0.73% is 25.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Tri City Bankshares and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri City Bankshares's current ROA % is 0.73%, which is 11% below median its own 10-year median of 0.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.42, compared to a current price of $18.90 — trading 22.6% above its estimated fair value. The current ROA % is 0.73%, which is 11% below median its 10-year median of 0.82 and 25.5% below the Banks industry median of 0.98. Tri City Bankshares' overall GF Score™ is 62/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Tri City Bankshares (TRCY), the current ROA % is 0.73% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tri City Bankshares (TRCY) Overvalued in 2026?
Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued.
The current stock price of $18.90 is trading 22.6% above its estimated GF Value™ of $15.42.
GuruFocus considers Tri City Bankshares to be Modestly Overvalued.
Key valuation signals for TRCY:
ROA %: 0.73% (11% below median its 10-year median of 0.82)
GF Value™: $15.42 vs. price of $18.90 (22.6% above fair value)
Industry Position: 25.5% below the Banks median (#1015 of 1530)
No single metric tells the full story. See the TRCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
62GF Score
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