Table 1 show that the capital adequacy ratio (CAR) is significant at a 1% level.The cost to Income ratio (CTI) and the loans to deposits ratio (LTD) are significant at a 5% level, while the NPL to total loans ratio (NPLTTL) and the net interest rate margins (NIM) are significant at a 10% level. But the other CAMEL variables: the NPL to total assets ratio (NPLTTA), the loans to total assets ratio(LTTA) and the operating expenses to assets ratio (OETA) don’t have significant relationship with ROA