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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

April 08, 2019, 11:54 a.m. EDT 1 Min Read

On Dec. 31, 2018. Dollars in thousands.

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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

Adjusted nonperforming loan ratio*
Rank Name City State Parent Name Company Type Dec. 31 Year earlier Nonperformers** Net chargeoffs*** Assets
1 State Central Bank Bonaparte Iowa Logan Investment Corporation Commercial Bank $35.86 $37.17 $7,492 -0.65 $37,985
2 Markesan State Bank Markesan Wis. Markesan Bancshares, Inc. Commercial Bank 28.04 27.47 24,710 2.07 126,766
3 Jackson County Bank Black River Falls Wis. Wisconsin Bank Services, Inc. Commercial Bank 24.93 6.85 32,790 6.57 216,148
4 DeWitt Bank and Trust Company De Witt Ark. DBT Financial Corporation Commercial Bank 21.59 2.96 5,795 -0.22 94,375
5 Beal Financial Corporation Plano Tex. Savings & Loan HC 21.09 8.38 986,643 0.20 7,429,465
6 Cleo State Bank Cleo Springs Okla. Cleo Bancshares, Inc. Commercial Bank 20.38 24.22 6,442 0.26 87,360
7 Bank of Brewton Brewton Ala. Commercial Bank 19.52 5.10 3,837 0.16 48,227
8 First State Bank Barboursville W.Va. First Bankshares, Inc. Commercial Bank 18.70 16.40 19,561 -0.09 155,145
9 First State Bank of Healy Healy Kan. Commercial Bank 18.27 10.03 7,816 0.82 77,194
10 First City Bank of Florida Fort Walton Beach Fla. Florida First City Banks, Inc. Commercial Bank 15.76 15.95 15,737 0.14 157,934
11 Louisa Community Bank Louisa Ky. Commercial Bank 14.89 7.60 3,534 3.19 32,369
12 Karnes County National Bank of Karnes City Karnes City Tex. Commercial Bank 13.50 16.28 7,782 -0.50 413,629
13 Bank of Hazlehurst Hazlehurst Ga. Hazlehurst Investors, Inc. Commercial Bank 12.36 13.53 8,293 1.33 136,764
14 Security State Bank of Kenyon Kenyon Minn. Ellingson Corporation Commercial Bank 11.83 6.64 5,512 0.00 57,496
15 State Exchange Bank Lamont Okla. State Exchange Bancshares, Inc. Commercial Bank 11.56 7.03 5,939 1.64 65,002
16 Farmers & Merchants Bank Eatonton Ga. Putnam-Greene Financial Corporation Commercial Bank 11.49 14.78 10,198 -0.04 185,617
17 United Bank of Philadelphia Philadelphia Pa. United Bancshares, Inc. Commercial Bank 11.29 7.31 4,158 0.05 51,057
18 Freeland State Bank Freeland Mich. Commercial Bank 11.26 12.59 878 -0.32 50,566
19 Martinsville First Savings Bank Martinsville Va. Savings & Loan Assoc 11.21 9.70 2,435 0.00 39,634
20 City National Bank of New Jersey Newark N.J. City National Bancshares Corporation Commercial Bank 10.92 6.25 10,424 0.67 167,570
21 Union State Bank Clay Center Kan. Union State Banc Holding Corporation Commercial Bank 10.87 10.44 6,494 0.63 144,718
22 Bank, The Oberlin Kan. Decatur Investment, Inc. Commercial Bank 10.68 8.21 26,792 0.12 360,050
23 West Texas State Bank Snyder Tex. WTSB Bancorp, Inc. Commercial Bank 10.43 14.75 6,870 0.51 134,505
24 Merchants Commercial Bank Saint Thomas V.I. Commercial Bank 10.10 10.57 9,455 0.12 240,949
25 Citizens State Bank Okemah Okla. Citizens Bankshares, Inc. Commercial Bank 10.05 1.62 2,738 0.23 87,951
26 Gateway Bank, F.S.B. Oakland Calif. Savings & Loan Assoc 9.84 10.12 6,862 0.12 109,396
27 Mitchell Bank Milwaukee Wis. Mitchell Bank Holding Corporation Commercial Bank 9.83 10.47 1,628 -0.02 46,847
28 First State Bank of Malta Malta Mont. FS Banco, Inc. Commercial Bank 9.61 3.10 9,047 0.08 140,729
29 Tri-State Bank of Memphis Memphis Tenn. Commercial Bank 9.38 8.31 4,803 0.02 82,336
30 Farmers Savings Bank Spencer Ohio Commercial Bank 9.34 9.85 7,774 0.04 280,355
31 Zapata National Bank Zapata Tex. Zapata Bancshares, Inc. Commercial Bank 9.10 9.25 2,997 -2.17 83,885
32 Commonwealth National Bank Mobile Ala. CNB Bancorp, Inc. Commercial Bank 9.07 10.13 1,576 2.80 47,588
33 First BanCorp. San Juan P.R. Bank Holding Company 9.07 9.40 806,835 1.09 12,243,561
34 First National Bank of Hope Hope Kan. Hope Bancshares, Inc. Commercial Bank 8.56 5.34 4,977 1.06 83,568
35 Interamerican Bank, A FSB Miami Fla. Savings & Loan Assoc 8.40 10.86 13,647 -0.46 201,914
36 Civis Bank Rogersville Tenn. Volunteer Bancorp, Inc. Commercial Bank 8.32 7.40 4,954 0.31 92,781
37 Peoples Bank & Trust Company of Hazard Hazard Ky. Hazard Bancorp Commercial Bank 8.27 9.41 13,453 4.47 249,160
38 Baxter State Bank Baxter Springs Kan. Baxter Bancshares, Inc. Commercial Bank 8.26 9.35 1,120 0.20 26,488
39 Allied First Bank,sb Oswego Ill. Allied First Bancorp, Inc. Savings Bank 8.10 5.09 4,365 -0.09 85,222
40 Valley Bank of Ronan Ronan Mont. Valley Holding Company Commercial Bank 8.00 1.99 4,656 -0.05 106,901
41 First Credit Bank Los Angeles Calif. Commercial Bank 7.99 9.27 22,037 0.00 476,271
42 Marquette Farmers State Bank of Marquette Marquette Kan. Commercial Bank 7.98 2.03 1,241 0.98 29,920
43 Valley Bank of Nevada North Las Vegas Nev. Commercial Bank 7.82 8.51 6,254 0.05 134,537
44 Andes State Bank Lake Andes S.D. Randall Bancshares, Inc. Commercial Bank 7.77 5.23 885 0.95 26,567
45 Carroll County Trust Company of Carrollton, Missouri Carrollton Mo. Carroll County Bancshares, Inc. Commercial Bank 7.76 7.21 5,498 0.20 161,096
46 First State Bank of Mobeetie Mobeetie Tex. Commercial Bank 7.65 5.63 930 -0.38 75,402
47 First State Bank of Randolph County Cuthbert Ga. Commercial Bank 7.56 2.10 2,258 0.13 79,323
Resolute Bank Maumee Ohio Princeton Capital Holdings LLC Savings & Loan Assoc 7.52 4.41 1,245 -0.20 26,287
49 Putnam County National Bank of Carmel Carmel N.Y. Commercial Bank 7.49 8.15 6,050 0.00 164,724
50 Farmers Bank Parsons Tenn. Townsend Financial Corporation Commercial Bank 7.41 4.01 1,444 0.11 36,969
51 Integrity Bank Plus Wabasso Minn. Wabasso Bancshares, Inc. Commercial Bank 7.39 3.21 3,163 -0.91 60,880
52 Citizens Bank and Trust Company of Grainger County Rutledge Tenn. Citizens of Grainger County Corporation Commercial Bank 7.35 8.74 4,682 0.02 207,823
53 Loomis Federal Savings and Loan Association Chicago Ill. Savings & Loan Assoc 7.26 9.30 2,083 -0.02 66,957
Amboy Bancorporation Old Bridge N.J. Bank Holding Company 7.25 5.64 122,892 -0.13 2,317,856
55 Geauga Savings Bank Newbury Ohio Maple Leaf Financial, Inc. Savings & Loan Assoc 7.24 7.92 13,467 -0.39 278,103
56 Lake Country Community Bank Morristown Minn. Morristown Holding Company Commercial Bank 7.11 9.66 994 0.20 27,077
57 Ergo Bank Markesan Wis. FS BancShares, Inc. Commercial Bank 7.02 5.46 4,471 -0.03 86,784
Citizens State Bank of Ontonagon Ontonagon Mich. Citizens Bancshares, Inc. Commercial Bank 7.01 5.51 993 0.63 55,012
Farmers & Merchants Bank Lakeland Ga. FMB Bancshares, Inc. Commercial Bank 7.01 7.94 26,187 1.03 488,016
60 Fort Gibson State Bank Fort Gibson Okla. Three Rivers Bankshares, Inc. Commercial Bank 6.95 0.00 3,460 0.02 61,482
61 AllNations Bank Calumet Okla. AllNations Bancorporation, Inc. Commercial Bank 6.94 1.68 1,840 0.53 47,321
62 First Federal Savings and Loan Association of Lorain Lorain Ohio Savings & Loan Assoc 6.86 7.99 18,703 -0.13 442,459
63 State Bank & Trust Company Golden Meadow La. SBT Bancshares, Inc. Commercial Bank 6.86 14.92 6,032 0.65 116,125
64 Columbia Savings and Loan Association Milwaukee Wis. Savings & Loan Assoc 6.85 7.57 1,243 0.12 23,194
65 St. Landry Homestead Federal Savings Bank Opelousas La. Savings & Loan Assoc 6.81 8.81 11,097 0.30 221,620
66 Citizens State Bank of Hayfield Hayfield Minn. Country Bankers, Inc. Commercial Bank 6.78 8.00 4,837 0.86 94,730
67 First National Bank of Gillette Gillette Wyo. First National Bank of Gillette Holding Company Commercial Bank 6.77 6.44 8,966 0.63 535,315
68 North Side Federal Savings and Loan Association of Chicago Chicago Ill. Savings & Loan Assoc 6.73 7.02 1,558 0.00 40,859
69 Santander Holdings USA, Inc. Boston Mass. Banco Santander, SA Bank Holding Company 6.67 8.83 5,894,086 2.87 135,634,285
70 Holmes County Bank & Trust Company Lexington Miss. Holmes County Capital Corporation Commercial Bank 6.66 8.69 2,995 0.16 116,784
71 State Bank of Ceylon Ceylon Minn. Ceylon Bancorporation, Inc. Commercial Bank 6.65 6.58 213 0.25 11,773
Lafayette State Bank Mayo Fla. Commercial Bank 6.64 10.32 4,146 0.02 99,687
73 GN Bank Chicago Ill. Groupe Nduom Savings & Loan Assoc 6.62 9.18 3,517 -0.05 139,918
74 Iowa State Bank Clarksville Iowa Clarkel, Inc. Commercial Bank 6.59 1.51 17,777 1.58 366,591
Farmers & Merchants Bank Waterloo Ala. Commercial Bank 6.57 6.01 456 3.85 85,913
76 Dickinson County Bank Enterprise Kan. Commercial Bank 6.55 2.03 784 0.15 15,020
77 Whitaker Bank, Inc. Lexington Ky. Whitaker Bank Corporation of Kentucky Commercial Bank 6.53 6.18 41,589 0.41 1,216,056
78 Colonial Savings, F.A. Fort Worth Tex. First Western Mortgage Corporation Savings & Loan Assoc 6.52 7.47 31,501 -0.03 1,011,136
79 Community Trust Bank Irvington Ill. Community Bancshares, Inc. Commercial Bank 6.48 3.30 2,608 0.05 86,289
80 McIntosh County Bank Ashley N.D. McIntosh County Bank Holding Company, Inc. Commercial Bank 6.47 3.91 3,921 0.00 86,228
81 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 6.40 8.36 12,043 0.13 328,585
82 Corydon State Bank Corydon Iowa Dentel Bancorporation Commercial Bank 6.39 1.24 5,829 0.79 116,246
83 First Farmers and Commercial Bank Pikeville Tenn. First Pikeville Bancshares, Inc. Commercial Bank 6.39 4.65 3,616 0.60 115,681
84 Blue Grass Valley Bank Blue Grass Va. Commercial Bank 6.36 5.38 1,793 0.08 45,504
85 FMB Bank Wright City Mo. Farmers & Merchants Bancshares, Inc. Commercial Bank 6.35 5.42 1,118 0.56 36,519
86 Peoples Bank Eatonton Ga. Peoples Bankshares, Inc. Commercial Bank 6.35 8.10 5,268 0.25 119,968
87 New Frontier Bank Saint Charles Mo. Lincoln County Bancorp, Inc. Commercial Bank 6.24 5.17 3,791 -0.04 83,419
Popular, Inc. Hato Rey P.R. Bank Holding Company 6.24 5.93 1,641,000 1.14 47,605,000
89 Bennington State Bank Salina Kan. Berco, Inc. Commercial Bank 6.23 5.40 30,529 0.21 699,960
90 Citizens Savings Bank Bogalusa La. Savings Bank 6.23 8.82 11,610 0.17 231,395
91 State Bank of Downs Downs Kan. B Bank, Inc. Commercial Bank 6.22 6.28 4,292 0.20 88,233
Bank of Washington Washington Mo. Diamond Bancorp, Inc. Commercial Bank 6.21 8.15 35,542 0.09 687,333
93 Lisle Savings Bank Lisle Ill. Savings Bank 6.21 7.33 14,366 0.14 508,802
94 Security State Bank Iron River Wis. Security Bank Shares, Inc. Commercial Bank 6.20 9.45 4,172 1.18 95,320
95 Cornerstone Bank Atlanta Ga. Cornerstone Bancshares, Inc. Savings & Loan Assoc 6.19 4.33 9,271 0.49 224,730
96 Central Bank Savannah Tenn. Commercial Bank 6.16 7.47 3,716 0.13 94,170
97 Rosedale Federal Savings and Loan Association Baltimore Md. Savings & Loan Assoc 6.14 7.19 42,897 0.04 953,855
98 Wilmington Savings Bank Wilmington Ohio Commercial Bank 6.13 7.05 8,490 -0.13 155,589
Farmers and Merchants Bank of South Carolina Holly Hill S.C. FMB of S.C. Bancshares, Inc. Commercial Bank 6.10 5.34 5,639 0.03 382,303
100 Garfield County Bank Jordan Mont. Garfield County Bancshares, Inc. Commercial Bank 6.10 3.42 4,045 0.26 92,225
101 Seamen's Bank Provincetown Mass. Savings Bank 6.07 6.17 17,349 0.00 384,568
102 Merchants & Planters Bank Clarendon Ark. Clarendon Holding Company Commercial Bank 6.06 0.86 515 0.11 44,977
103 1st Equity Bank Skokie Ill. First Equity Corp. Commercial Bank 6.05 7.73 5,105 0.00 100,338
Granger National Bank Granger Tex. Granger Bancshares, Inc. Commercial Bank 6.04 0.57 479 0.00 32,140
105 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 6.03 3.95 4,051 0.10 75,269
106 Bank of Louisiana Louisiana Mo. Lincoln County Bancorp, Inc. Commercial Bank 6.02 1.56 2,076 0.09 51,495
107 Alma Bank Astoria N.Y. Commercial Bank 6.01 7.40 61,006 0.28 1,142,209
108 Thayer County Bank Hebron Neb. Thayer Agency, Inc. Commercial Bank 6.00 7.86 2,366 1.28 63,541
Clinton Bank Clinton Ky. Clinton Bancorp, Inc. Commercial Bank 5.99 1.76 2,182 0.00 62,463
110 Talbot State Bank Woodland Ga. TSB Bancorp, Inc. Commercial Bank 5.98 7.26 1,636 -0.01 61,425
111 Camp Grove State Bank Camp Grove Ill. Camp Grove Bancorp, Inc. Commercial Bank 5.95 5.67 527 1.22 19,342
112 Conway Bank Conway Springs Kan. Norcon Financial Corp. Commercial Bank 5.95 6.30 4,343 0.06 99,992
ANZ Guam, Inc. Hagatna Guam Australia and New Zealand Banking Group Ltd. Commercial Bank 5.94 5.51 5,206 -0.18 317,502
114 Alamerica Bank Birmingham Ala. Alamerica BancCorp, Inc. Commercial Bank 5.93 3.10 884 0.25 23,879
115 Gerber State Bank Argenta Ill. Gerber Bancshares, Inc. Commercial Bank 5.92 3.45 2,173 0.19 78,586
116 Columbia Bank Lake City Fla. First Columbia Bancorp, Inc. Commercial Bank 5.90 7.69 9,112 -0.28 205,055
117 Grundy National Bank Grundy Va. GNB Bankshares Corporation Commercial Bank 5.90 7.32 8,794 0.27 306,087
118 F & M Bank and Trust Company Manchester Ga. F & M Holding Company, Inc. Commercial Bank 5.86 6.80 2,658 0.09 68,078
119 Washita State Bank Burns Flat Okla. Commercial Bank 5.86 7.87 2,422 0.01 106,129
Community State Bank Brook Ind. Commercial Bank 5.85 6.88 2,867 0.07 59,516
121 EvaBank Cullman Ala. Commercial Bank 5.83 6.47 16,897 0.42 371,717
122 Bank of Grandin Grandin Mo. Commercial Bank 5.82 6.37 5,642 0.39 159,344
123 Grand Timber Bank McGregor Minn. McGregor Banco, Inc. Commercial Bank 5.81 8.57 1,623 0.15 43,279
124 Concordia Bank Concordia Mo. Northern Missouri Bancshares, Inc. Commercial Bank 5.79 4.45 3,090 -0.01 74,151
125 Community State Bank Hennessey Okla. Warrior Bank Corporation, Inc. Commercial Bank 5.78 4.89 1,333 0.39 70,966
126 First Federal Savings and Loan Association of Bath Bath Maine Savings & Loan Assoc 5.78 6.47 6,654 0.07 134,013
127 Farmers Savings Bank Wever Iowa FSB Bancorp Commercial Bank 5.77 3.24 5,622 0.56 123,094
Princeville State Bank Princeville Ill. Main Street Bancorp, Inc. Commercial Bank 5.77 7.96 2,228 0.34 79,978
129 First National Bank of Moody Moody Tex. Reynolds, Teague, Thurman Financial Corp. Commercial Bank 5.76 2.17 1,274 0.01 47,076
130 Putnam County Bank Hurricane W.Va. Putnam Bancshares, Inc. Commercial Bank 5.76 7.84 20,062 1.75 588,177
131 Home National Bank Racine Ohio Commercial Bank 5.70 5.63 2,630 0.44 65,136
Farmers-Merchants Bank & Trust Company Breaux Bridge La. Commercial Bank 5.62 5.48 13,716 0.05 314,264
133 Grant County Bank Ulysses Kan. Resource One, Inc. Commercial Bank 5.60 5.84 8,052 0.19 235,229
134 State National Bank of Groom Groom Tex. Groom Bancshares, Inc. Commercial Bank 5.58 3.34 1,318 0.01 35,898
135 Home Loan Investment Bank, F.S.B. Warwick R.I. Prospect Financial Corporation Savings & Loan Assoc 5.57 6.82 15,038 0.35 302,006
136 First Central Bank McCook McCook Neb. Central Bancshares, Inc. Commercial Bank 5.56 6.03 5,343 0.43 120,274
South Lafourche Bank & Trust Company Larose La. Lafourche Bancshares, Inc. Commercial Bank 5.53 6.38 6,380 0.84 145,361
138 Farmers State Bank Mountain City Tenn. Farmers State Bancshares, Inc. Commercial Bank 5.43 5.27 4,970 0.08 141,875
Huron National Bank Rogers City Mich. Huron National Bancorp, Inc. Commercial Bank 5.39 6.25 2,067 0.51 63,279
140 First State Bank of Swanville Swanville Minn. Swanville Bancshares, Inc. Commercial Bank 5.37 11.27 938 -0.02 25,796
First State Bank Shallowater Tex. South Texas Bancshares, Inc. Commercial Bank 5.34 2.27 4,416 0.16 112,292
142 Odin State Bank Odin Minn. Odin Bancshares, Inc. Commercial Bank 5.33 1.50 1,873 1.14 47,788
143 Bank of Chestnut Chestnut Ill. Commercial Bank 5.30 3.12 795 0.08 18,262
144 Peoples Savings Bank Wellsburg Iowa PSB Corporation Commercial Bank 5.28 1.49 3,642 1.07 98,964
Eastern Savings Bank, FSB Hunt Valley Md. Savings & Loan Assoc 5.27 7.11 12,920 0.11 323,768
146 Peoples State Bank of Hallettsville Hallettsville Tex. Commercial Bank 5.27 6.20 3,853 0.00 274,037
147 Rolette State Bank Rolette N.D. Commercial Bank 5.26 4.81 1,652 0.02 39,737
148 Johnson County Bank Mountain City Tenn. Commercial Bank 5.22 4.77 3,386 0.12 119,136
Johnson State Bank Johnson Kan. Johnson State Bancshares, Inc. Commercial Bank 5.18 1.31 1,732 0.02 82,718
Plains Commerce Bank Hoven S.D. Commercial Bank 5.17 5.32 26,785 0.38 656,158
151 Cass County Bank, Inc. Plattsmouth Neb. Citizens National Corporation Commercial Bank 5.15 4.70 2,638 0.21 68,769
First National Bank in Trinidad Trinidad Colo. Republic Trinidad Corporation Commercial Bank 5.14 5.25 4,848 0.03 214,621
153 Our Community Bank Spencer Ind. Home Financial Bancorp Commercial Bank 5.12 2.64 2,702 0.03 72,394
154 Town & Country Bank Las Vegas Nev. West Point Bancorp, Inc. Commercial Bank 5.12 0.00 5,937 -1.64 172,757
155 First National Community Bank New Richmond Wis. One Corporation Commercial Bank 5.11 3.80 6,971 -0.17 203,815
156 First Security Bank & Trust Company Charles City Iowa Cedar Valley Bankshares, Ltd. Commercial Bank 5.11 3.48 14,870 0.18 499,538
157 New York Private Bank & Trust Corporation New York N.Y. Bank Holding Company 5.11 4.46 200,581 0.01 5,806,579
Citizens Bank of Fayette Fayette Ala. F.B.H. Corporation Commercial Bank 5.10 3.97 2,224 -0.44 184,971
159 Green Dot Bank Provo Utah Green Dot Corporation Commercial Bank 5.06 9.10 1,686 10.02 1,490,135
160 First Commerce Bank Lakewood N.J. Commercial Bank 5.04 2.39 38,901 0.14 962,299
161 Sallie Mae Bank Salt Lake City Utah SLM Corporation Commercial Bank 5.01 4.76 1,133,394 0.74 26,585,576
162 International Bank of Chicago Chicago Ill. IBC Bancorp, Inc. Commercial Bank 4.99 6.26 22,521 0.23 636,817
163 Pennsville National Bank Pennsville N.J. Penn Bancshares, Inc. Commercial Bank 4.99 4.22 3,310 0.43 199,921
164 New Buffalo Savings Bank New Buffalo Mich. New Bancorp, Inc. Savings & Loan Assoc 4.98 4.55 4,546 0.00 119,502
165 VISIONBank Fargo N.D. Vision Bank Holdings, Inc. Commercial Bank 4.98 4.79 8,948 0.06 195,536
166 MNB Bank McCook Neb. Graff Family, Inc. Commercial Bank 4.96 5.60 11,778 1.85 353,961
167 Hatboro Federal Savings, FA Hatboro Pa. Savings & Loan Assoc 4.95 6.54 18,015 0.00 499,635
168 Bank of Kaukauna Kaukauna Wis. Brogan Bankshares, Inc. Commercial Bank 4.94 6.11 3,340 0.60 103,916
169 Bank of the Federated States of Micronesia Pohnpei #N/A Commercial Bank 4.94 5.41 2,478 0.70 164,292
170 Security State Bank of Warroad Warroad Minn. Warroad Bancshares, Inc. Commercial Bank 4.94 7.87 2,417 1.72 95,273
171 Vermont State Bank Vermont Ill. Commercial Bank 4.94 2.28 1,182 0.41 28,520
172 First Central Savings Bank Glen Cove N.Y. Savings Bank 4.93 5.40 23,082 3.94 584,165
First State Bank Ness City Kan. Beutler, Inc. Commercial Bank 4.92 0.00 1,285 0.03 66,120
174 Peoples State Bank Prairie Du Chien Wis. Peoples Bancorp, Inc. Commercial Bank 4.92 2.24 27,600 0.01 786,355
175 Quail Creek Bank, National Association Oklahoma City Okla. Quail Creek Bancshares, Inc. Commercial Bank 4.92 2.30 25,033 0.21 688,425
176 Central Savings Bank Sault Sainte Marie Mich. Central Bank Corporation Commercial Bank 4.91 7.84 7,497 0.04 250,470
Central Federal Savings and Loan Association Cicero Ill. Savings & Loan Assoc 4.90 5.97 5,472 0.05 177,364
178 Latimer State Bank Wilburton Okla. First Latimer Corporation Commercial Bank 4.90 3.94 703 0.40 68,915
Mills County State Bank Goldthwaite Tex. Goldthwaite Bancshares, Inc. Commercial Bank 4.90 2.46 6,477 0.33 315,242
180 Bank of Edmonson County Brownsville Ky. Edmonson Bancshares, Inc Commercial Bank 4.89 3.43 7,876 0.07 212,294
Treynor State Bank Treynor Iowa Treynor Bancshares, Inc. Commercial Bank 4.89 9.00 5,336 2.32 389,928
Citizens Savings Bank and Trust Company Nashville Tenn. CSB&T Bancorp, Inc. Commercial Bank 4.88 5.86 4,095 0.37 103,080
Heritage State Bank Lawrenceville Ill. HBancorporation, Inc. Commercial Bank 4.88 0.00 4,052 1.14 92,440
184 Randall State Bank Randall Minn. Randall Bancorp, Inc. Commercial Bank 4.87 3.30 1,707 0.49 46,018
185 Continental Bank Salt Lake City Utah Continental Bancorporation Commercial Bank 4.84 3.24 6,683 0.31 165,317
186 Citizens State Bank of Glenville Glenville Minn. Citizens Investment Co., Inc. Commercial Bank 4.82 1.27 715 0.06 41,162
187 Lumbee Guaranty Bank Pembroke N.C. Commercial Bank 4.82 4.90 8,818 0.06 336,770
188 Farmers and Merchants Bank Caldwell Ohio FarmMerc, Inc. Commercial Bank 4.80 3.51 3,903 0.54 111,071
Great Plains Bank Eureka S.D. Great Plains Bank Corporation Commercial Bank 4.80 3.63 4,537 0.73 109,868
22nd State Bank Louisville Ala. FEB Bancshares, Inc. Commercial Bank 4.78 3.00 4,818 0.17 142,815
191 MCNB Bank and Trust Co. Welch W.Va. MCNB Banks, Inc. Commercial Bank 4.78 5.03 9,396 0.26 294,188
192 American Bank of the North Nashwauk Minn. Park Financial Group, Inc. Commercial Bank 4.76 6.89 19,231 -0.07 540,407
193 First National Bank Rotan Tex. Rotan Bancshares, Inc. Commercial Bank 4.76 6.68 1,380 0.03 79,543
194 Bank of Halls Halls Tenn. Security Bancorp of Tennessee, Inc. Commercial Bank 4.71 4.67 2,060 0.06 89,298
Gifford State Bank Gifford Ill. Gifford Bancorp, Inc. Commercial Bank 4.71 2.69 6,199 0.39 153,651
Peoples Bank of Moniteau County Jamestown Mo. Jamestown Bancshares, Inc. Commercial Bank 4.69 3.42 1,778 1.77 57,974
197 Community Shores Bank Muskegon Mich. Community Shores Bank Corporation Commercial Bank 4.66 5.80 6,861 0.11 184,473
198 Scotiabank de Puerto Rico San Juan P.R. Bank of Nova Scotia Commercial Bank 4.65 3.83 115,245 0.32 4,043,091
Colorado National Bank Palisade Colo. Commercial Bank 4.64 0.00 1,058 2.68 53,654
Bank of Gueydan Gueydan La. Gueydan Bancshares, Inc. Commercial Bank 4.63 2.83 956 1.40 78,037

Data from preliminary quarterly call reports. Excludes institutions whose loans were less than 50% of assets.
*Nonperforming loans net of the delinquent U.S. government-guaranteed portion, divided by total loans.
**Sum total of nonaccruing loans (excluding debt securities and other assets) and restructured loans, minus the guaranteed portion of nonaccruing loans wholly or partially guaranteed by the U.S. government.
***Chargeoffs, minus recoveries credited to the loan allowance. For savings institutions, net chargeoffs related to specific valuation allowance are included. Divided by average loans and leases. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of Apr. 2, 2018.
© 2018 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)