Return on average assets is the number that frames every community bank earnings read. It measures net income against average total assets. That arithmetic reveals whether the institution is pricing credit correctly and running a competitive cost structure. blueharbor bank, based in Mooresville, N.C., reported an ROA of 2.31% for the second quarter of 2026, alongside a diluted earnings per share increase of 40% against the second quarter of 2025.
The earnings highlights
The second-quarter release, distributed through PRNewswire on June 10, 2026, lists the ROA and the diluted EPS gain as its headline metrics. ROA is the more diagnostic of the two for buy-side analysis: it sidesteps the leverage differences that make equity-based return comparisons unreliable across community institutions of different sizes. blueharbor bank's 2.31% print is the ratio to hold from this report.
The 40% year-over-year diluted EPS gain is a headline figure. Banking EPS comparisons can be shaped by provision swings and changes in share count. The source does not break out underlying dollar figures or itemize the specific drivers behind the move. The comparison base is Q2 2025.
Note to editor: The source summary truncates after the ROA line. This piece reports only what the release confirms. If a full income statement or additional management commentary is available, the EPS driver section can be expanded.