How profitable a bank is has an effect on its long-term survivability. A bank can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, likely making the bank better able to withstand financial trouble. However, banks that are losing money have less ability to do those things.
EnerBank USA did above-average on Bankrate's test of earnings, achieving a score of 26 out of a possible 30.
One widely used measure of a bank's earnings is return on equity, or net income (profit, basically) divided by the total amount of equity. The most recent annualized quarterly return on equity for EnerBank USA was 18.15 percent, above the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank reported net income of $15.4 million on total equity of $177.1 million. The bank had an annualized return on average assets, or ROA, of 2.25 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.14 percent.