The purpose of this research is to know the effect of CAR, BOPO, and LDR against ROA PD Bank Pasar Bogor city. The research was conducted in PD Bank Pasar Bogor city in 2018. This research is conducted by using quantitative method to obtain information about the problems associated with the analysis of factors that affect the financial performance PD Bank Pasar Bogor city. Primary data obtained directly from data sources with the period of 2010 – 2015. Data analysis techniques using descriptive statistical analysis techniques and inferential statistical analysis techniques. The results of the research show: (1) There is a positive and significant effect of CAR to ROA. This means that ROA is determined by CAR. CAR which will either result in increased ROA and vice versa if CAR low then ROA is also low, (2) There is influence negative and significant BOPO to ROA. This means that ROA is determined by BOPO. BOPO which decreases will lead to increased ROA and vice versa if BOPO increases then ROA will decrease, (3) There is a positive influence and significant LDR to ROA. This means that ROA is determined by the LDR. LDR which increases will result in increased ROA and vice versa if LDR which is low then ROA is also low, and (4) There is influence which are significant CAR, BOPO, and LDR simultaneously to ROA. This means that ROA is determined by CAR, BOPO, and LDR together. CAR, BOPO, and LDR which will either result in increased ROA and vice versa if CAR, BOPO, and LDR are together low then ROA is also low.

Keywords : Capital Adequacy Ratio (CAR), Operational Cost of Operating Income (BOPO), Loan to Deposit Ratio (LDR), Return on Assets (ROA).