Community Banks with the Highest Returns on Average Assets

Year to date through Mar. 31, 2017. Dollars in thousands

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Community Banks with the Highest Returns on Average Assets
Rank Company City State

Return on average assets

Total assets Return on average equity Efficiency ratio
1Q 2017 1Q 2016
1 State Bank of Texas Dallas Texas 18.00% 8.52% $959,444 116.69% 10.59%
2 Town & Country Bank Las Vegas Nev. 11.06 1.43 162,388 86.56 18.30
3 Bank of Montana Missoula Mont. 10.12 5.90 71,827 96.73 26.02
4 Central Bank of Kansas City Kansas City Mo. 9.05 2.93 149,560 49.54 40.75
5 US Metro Bank Garden Grove Calif. 8.50 1.38 222,452 48.09 60.55
6 1st Equity Bank Northwest Buffalo Grove Ill. 8.20 0.09 38,488 34.45 30.87
7 PrinsBank Prinsburg Minn. 6.54 5.64 126,306 45.15 33.81
8 First Credit Bank Los Angeles Calif. 6.29 5.30 502,619 16.99 10.19
9 Haverford Trust Co. Radnor Pa. 5.59 7.43 140,630 33.72 80.73
10 Peoples Bank & Trust Co. Ryan Okla. 5.52 11.18 29,756 31.63 92.11
11 Americana Community Bank Sleepy Eye Minn. 4.95 0.09 107,515 76.71 43.64
12 Millennium Bank Des Plaines Ill. 4.91 1.72 77,830 43.20 43.32
13 Champion Bank Parker Colo. 4.85 -0.06 54,191 30.80 56.63
14 Spring Valley Bank Wyoming Ohio 4.42 3.14 66,793 10.16 30.50
15 Mid America Bank & Trust Co. Dixon Mo. 4.22 3.57 157,099 20.21 39.76
16 Bank 7 Oklahoma City Okla. 4.19 2.71 648,378 42.83 33.53
17 Independence Bank East Greenwich R.I. 4.06 4.65 45,032 18.19 48.51
18 Nebraska State Bank Oshkosh Neb. 4.02 3.04 49,755 28.30 40.16
19 Civic Bank & Trust Nashville Tenn. 3.87 0.32 174,115 29.36 69.16
20 1st Equity Bank Skokie Ill. 3.86 1.28 90,596 24.68 34.54
21 Almena State Bank Almena Kan. 3.80 0.74 88,099 48.99 44.46
22 Security Bank and Trust Co. Paris Tenn. 3.61 1.92 358,162 47.01 23.36
23 Jefferson Bank Greenville Miss. 3.60 2.54 133,490 22.62 30.89
24 Finwise Bank Sandy Utah 3.58 0.88 56,036 26.43 60.65
25 First Bank of Chandler Chandler Okla. 3.57 3.49 90,459 30.56 37.24
26 Cross River Bank Teaneck N.J. 3.48 2.54 651,744 24.62 37.17
Metro Phoenix Bank Phoenix Ariz. 3.48 0.75 152,214 30.96 37.22
28 Enterprise Bank of South Carolina Ehrhardt S.C. 3.47 0.69 332,007 86.32 84.63
29 NOA Bank Duluth Ga. 3.41 3.22 291,699 26.80 51.72
30 First Home Bank Seminole Fla. 3.29 3.46 178,787 32.16 53.11
31 First National Bank of Fleming Fleming Colo. 3.28 1.60 22,375 27.06 57.88
32 Charter Bank Corpus Christi Texas 3.13 2.36 242,618 29.67 49.12
First Federal Savings and Loan Bank Olathe Kan. 3.13 3.20 82,219 29.60 34.88
34 Corydon State Bank Corydon Iowa 3.12 2.92 107,281 15.70 22.11
35 Benchmark Bank Plano Texas 3.08 0.82 560,606 31.97 65.31
36 First Utah Bank Salt Lake City Utah 3.06 2.05 325,829 30.78 75.52
37 First National Bank South Alma Ga. 3.05 3.18 353,354 20.71 43.97
38 Security State Bank Farwell Texas 3.01 2.16 138,755 25.07 29.88
39 Bank of Morton Morton Miss. 2.99 2.97 66,728 21.84 47.37
Waggoner National Bank of Vernon Vernon Texas 2.99 2.87 281,044 23.79 43.53
41 Heritage State Bank Lawrenceville Ill. 2.93 2.66 98,369 30.11 42.88
42 Peoples Community Bank Greenville Mo. 2.91 3.04 442,381 18.64 39.79
43 First State Bank Shallowater Texas 2.90 2.35 112,134 20.67 43.39
44 National Bank of Andrews Andrews Texas 2.89 2.68 172,558 25.35 54.45
45 First Financial Bank El Dorado Ark. 2.88 3.72 919,580 22.98 54.88
46 First Bank & Trust Co. Wagoner Okla. 2.86 2.66 293,117 23.07 43.23
47 First American Bank Fort Dodge Iowa 2.84 0.36 928,242 27.35 49.62
48 CFG Community Bank Baltimore Md. 2.74 2.33 690,141 19.10 57.63
Community Bank of Raymore Raymore Mo. 2.74 1.85 227,641 38.31 57.12
Premier Bank Rock Valley Iowa 2.74 2.78 369,394 21.72 30.42
WoodTrust Bank Wisconsin Rapids Wis. 2.74 3.00 377,159 28.46 50.06
52 Farmers and Merchants Bank of Kendall Kendall Wis. 2.71 2.98 74,829 19.29 49.65
Security State Bank Sutherland Iowa 2.71 2.63 119,653 28.26 34.72
54 Commercial Bank of Oak Grove Oak Grove Mo. 2.69 0.46 70,201 16.47 41.87
First Eagle Bank Chicago Ill. 2.69 2.60 476,606 18.51 36.42
56 State Bank of Graymont Graymont Ill. 2.68 0.64 211,834 26.01 68.88
57 Bank of Glen Ullin Glen Ullin N.D. 2.66 2.68 56,938 22.88 42.81
58 Prime Bank Edmond Okla. 2.64 2.78 259,230 24.42 40.44
59 Liberty Bank Minnesota St. Cloud Minn. 2.63 3.09 211,672 23.08 59.46
Yellowstone Bank Laurel Mont. 2.63 2.50 694,363 15.49 40.99
61 Peoples State Bank Summit S.D. 2.62 2.53 66,795 23.60 40.36
62 Bank of Hydro Hydro Okla. 2.61 2.65 119,362 25.41 44.47
63 Bank, The Oberlin Kan. 2.60 2.44 331,765 22.60 31.72
64 High Plains Bank Keyes Okla. 2.58 2.59 84,675 24.24 38.92
65 Peoples Bank Westville Okla. 2.56 2.02 46,573 19.40 59.05
66 Central State Bank Pleasant Hill Ill. 2.54 2.46 131,425 17.78 49.05
67 Wallis State Bank Wallis Texas 2.53 2.03 571,725 24.32 56.82
68 Home Bank of California San Diego Calif. 2.50 2.18 156,295 16.39 46.79
State Bank of New Richland New Richland Minn. 2.50 2.34 97,812 25.66 38.40
70 First State Bank Boise City Okla. 2.49 1.52 70,773 27.39 45.82
Hometown Bank Fond du Lac Wis. 2.49 1.16 267,402 18.23 43.51
72 Commercial Bank Crawford Ga. 2.48 2.67 146,777 24.68 44.70
Security State Bank Cheyenne Okla. 2.48 2.30 177,596 17.68 42.18
74 Bank of Cashton Cashton Wis. 2.46 1.27 81,638 22.88 46.40
Coffee County Bank Manchester Tenn. 2.46 2.62 170,411 21.08 45.98
North Valley Bank Thornton Colo. 2.46 2.19 146,399 20.12 54.87
77 Bank of Geneva Geneva Ind. 2.45 2.25 253,603 21.51 48.05
Farmers Exchange Bank Cherokee Okla. 2.45 2.46 344,697 24.43 36.75
Great Plains Bank Eureka S.D. 2.45 1.97 99,363 20.30 39.60
80 First Bank of Owasso Owasso Okla. 2.44 2.52 292,793 19.73 49.21
Lamar Bank and Trust Co. Lamar Mo. 2.44 1.70 143,103 24.41 46.86
82 Bank of Prague Prague Neb. 2.43 2.93 24,317 15.39 53.66
Rock Canyon Bank Provo Utah 2.43 1.84 330,590 24.24 54.17
84 Port Richmond Savings Philadelphia Pa. 2.42 1.89 69,845 13.63 38.14
85 Murphy Bank Fresno Calif. 2.41 2.41 240,540 21.27 46.86
86 Peoples State Bank McDonald Kan. 2.39 4.72 121,878 26.11 47.01
T Bank Dallas Texas 2.39 1.74 229,183 17.05 63.80
Union Bank & Trust Co. Livingston Tenn. 2.39 2.09 83,043 18.99 49.47
89 First National Bank of Williamson Williamson W.Va. 2.38 0.80 85,243 17.81 60.50
NewBank Flushing N.Y. 2.38 2.70 300,248 17.89 36.68
91 Alva State Bank & Trust Co. Alva Okla. 2.37 2.24 322,229 19.68 34.69
Citizens State Bank of La Crosse La Crosse Wis. 2.37 2.51 229,011 28.40 48.65
Commercial Capital Bank Delhi La. 2.37 0.54 116,985 20.58 42.52
First Security Bank of Roundup Roundup Mont. 2.37 2.30 49,399 19.85 53.53
Guaranty Bank & Trust Co. of Delhi Delhi La. 2.37 2.47 220,153 27.81 52.85
96 Cumberland Security Bank Inc. Somerset Ky. 2.36 1.99 192,863 18.62 53.59
First Bank Burkburnett Texas 2.36 2.11 398,752 22.56 68.14
State Bank of Bellingham Bellingham Minn. 2.36 2.27 48,670 22.41 39.25
State Bank of Wheaton Wheaton Minn. 2.36 2.73 80,275 10.63 43.19
100 Bank of the West Thomas Okla. 2.35 2.41 147,164 19.68 53.11
Commercial State Bank of Wagner Wagner S.D. 2.35 2.98 156,400 21.87 43.54
102 Bank of Cordell Cordell Okla. 2.34 2.42 44,312 28.03 49.81
Bank of Okolona Okolona Miss. 2.34 1.95 179,837 22.40 52.93
First State Bank of Healy Healy Kan. 2.34 2.30 79,864 12.67 36.25
Rocky Mountain Bank Jackson Wyo. 2.34 1.26 284,751 19.47 61.06
106 First National Bank of Las Animas Las Animas Colo. 2.32 2.45 337,006 19.47 46.89
Town and Country Bank Midwest Quincy Ill. 2.32 1.94 177,899 21.65 47.33
108 1st Bank & Trust Broken Bow Okla. 2.31 2.41 139,570 24.34 47.89
Chesapeake Bank & Trust Co. Chestertown Md. 2.31 1.01 110,144 26.26 50.47
Continental Bank Salt Lake City Utah 2.31 4.17 157,728 14.50 57.52
First National Bank in Okeene Okeene Okla. 2.31 2.27 76,200 14.00 37.59
Security Bank Tulsa Okla. 2.31 2.43 536,442 19.15 35.26
TexasBank Brownwood Texas 2.31 2.32 467,631 17.85 53.00
114 Citizens State Bank Miles Texas 2.30 2.80 118,378 24.64 48.17
Vermillion State Bank Vermillion Minn. 2.30 2.46 534,309 16.06 30.49
116 Douglas National Bank Douglas Ga. 2.29 2.32 180,744 19.82 55.90
117 Freedom Bank Huntingburg Ind. 2.28 2.40 388,838 21.87 40.05
118 Oklahoma State Bank Buffalo Okla. 2.27 2.25 52,667 24.10 55.38
Payne County Bank Perkins Okla. 2.27 2.03 165,111 12.62 50.91
Texas Bank Financial Weatherford Texas 2.27 2.47 215,660 22.21 72.22
121 First National Bank of Bangor Bangor Wis. 2.26 1.79 227,439 9.26 20.62
Five Star Bank Rocklin Calif. 2.26 1.99 854,881 25.04 36.39
HNB National Bank Hannibal Mo. 2.26 2.21 476,892 19.18 52.22
Mississippi River Bank Belle Chasse La. 2.26 1.81 123,553 20.55 52.05
State Bank of De Kalb De Kalb Texas 2.26 2.45 203,260 18.80 55.52
126 New Century Bank Belleville Kan. 2.25 3.54 43,702 21.62 63.73
Solomon State Bank Solomon Kan. 2.25 1.73 200,258 15.77 38.73
128 Morris Bank Dublin Ga. 2.24 1.74 613,270 21.41 52.44
129 Bank of England England Ark. 2.23 2.11 277,925 14.27 90.04
Ciera Bank Graham Texas 2.23 2.07 535,081 17.17 51.27
Grant County State Bank Swayzee Ind. 2.23 2.12 159,419 21.67 36.72
KodaBank Drayton N.D. 2.23 2.48 142,028 19.86 44.08
133 National Bank of Commerce Superior Wis. 2.22 1.80 579,541 18.17 52.65
St. Henry Bank St. Henry Ohio 2.22 2.12 299,661 15.93 39.60
135 First National Bank of Picayune Picayune Miss. 2.21 2.33 212,975 16.98 53.75
Peoples State Bank Cherryvale Kan. 2.21 2.28 17,421 8.57 53.13
Randall State Bank Randall Minn. 2.21 2.08 38,673 17.53 56.86
138 First IC Bank Doraville Ga. 2.20 2.57 353,786 13.53 49.66
Quail Creek Bank Oklahoma City Okla. 2.20 2.16 606,245 20.68 48.26
Venture Bank Bloomington Minn. 2.20 2.18 673,068 23.71 53.95
141 First State Bank Scottsbluff Neb. 2.19 1.92 237,319 21.55 51.89
FirstCity Bank of Commerce Palm Beach Gardens Fla. 2.19 0.05 88,584 24.44 74.36
143 Park Ridge Community Bank Park Ridge Ill. 2.18 1.99 300,776 16.73 41.36
University Bank Ann Arbor Mich. 2.18 -0.61 235,232 19.81 85.74
145 Bank of Alma Alma Wis. 2.17 2.65 224,005 5.00 14.44
Farmers Bank Ault Colo. 2.17 2.15 223,939 15.97 48.49
Flagler Bank West Palm Beach Fla. 2.17 1.89 231,061 23.72 47.74
Northwestern Bank Chippewa Falls Wis. 2.17 2.71 430,129 20.46 45.23
Quantum National Bank Suwanee Ga. 2.17 1.67 410,633 18.61 42.99
150 Community Bank Longview Texas 2.16 2.23 222,283 22.67 41.81
First National Bank Fort Pierre S.D. 2.16 2.72 920,181 9.06 36.42
First National Bank of Oklahoma Oklahoma City Okla. 2.16 1.74 408,553 23.97 45.80
Ultima Bank Minnesota Winger Minn. 2.16 2.64 163,977 22.21 54.79
United Farmers State Bank Adams Minn. 2.16 2.06 143,896 17.65 45.00
155 1880 Bank Cambridge Md. 2.15 1.34 325,441 14.89 62.68
Bank of Mauston Mauston Wis. 2.15 2.25 285,271 18.98 43.70
Luana Savings Bank Luana Iowa 2.15 2.10 946,013 25.49 30.01
158 Bellevue State Bank Bellevue Iowa 2.14 2.18 100,046 15.51 43.10
First Bank Erick Okla. 2.14 1.90 80,224 20.20 53.41
160 ACB Bank Cherokee Okla. 2.13 2.33 118,348 25.44 42.59
Alton Bank Alton Mo. 2.13 1.58 65,640 16.75 54.02
Citizens State Bank Marysville Kan. 2.13 2.13 330,377 21.86 35.70
St. Clair State Bank Inc. St. Clair Minn. 2.13 2.55 89,766 18.03 35.22
164 First Whitney Bank and Trust Atlantic Iowa 2.12 2.19 206,121 19.75 31.96
165 Bank of Advance Advance Mo. 2.11 2.23 310,056 16.01 55.72
Crestmark Bank Troy Mich. 2.11 1.46 913,108 20.64 75.76
Crowell State Bank Crowell Texas 2.11 1.77 38,332 22.70 54.29
First National Bank of Hughes Springs Hughes Springs Texas 2.11 1.88 282,037 16.62 58.03
169 Patriot Bank Tulsa Okla. 2.10 1.70 319,977 19.16 40.61
St. Martin Bank and Trust Co. St. Martinville La. 2.10 2.63 595,128 21.57 53.80
171 Basile State Bank Basile La. 2.09 1.90 53,903 18.44 64.66
Prime Alliance Bank Woods Cross Utah 2.09 1.88 263,885 18.51 32.61
Security Bank of Southwest Missouri Cassville Mo. 2.09 2.01 84,698 19.11 54.09
174 Liberty State Bank Powers Lake N.D. 2.08 2.16 81,218 17.70 38.70
Pioneer Trust Bank Salem Ore. 2.08 1.98 463,868 18.12 37.62
176 FirstOak Bank Independence Kan. 2.07 1.13 112,260 20.93 61.32
Hodge Bank & Trust Co. Hodge La. 2.07 2.71 68,557 11.97 49.66
Sound Banking Co. Lakewood Wash. 2.07 2.03 50,452 22.30 57.73
TransCapital Bank Sunrise Fla. 2.07 2.43 189,327 12.82 46.80
180 Adrian Bank Adrian Mo. 2.06 1.55 144,454 20.67 44.99
AmeriState Bank Atoka Okla. 2.06 1.50 242,734 22.84 62.66
Commercial Bank of Mott Mott N.D. 2.06 2.05 99,649 15.40 44.64
Peoples Bank & Trust Pana Ill. 2.06 1.89 392,066 22.29 46.91
Security State Bank of Marine Marine On St. Croix Minn. 2.06 1.67 129,915 20.00 55.77
185 BOM Montgomery La. 2.05 2.08 318,367 19.22 63.56
Citizens Bank Abilene Texas 2.05 2.07 105,949 16.20 51.60
EvaBank Cullman Ala. 2.05 2.61 389,792 11.16 43.60
Kennebec Savings Bank Augusta Maine 2.05 0.78 885,615 14.97 67.47
189 Bank of Hemet Riverside Calif. 2.04 2.06 677,530 21.45 44.82
Bank of Holyrood Holyrood Kan. 2.04 2.07 61,829 14.94 38.44
Marion County State Bank Pella Iowa 2.04 2.13 283,252 18.76 43.47
192 Farmers and Merchants State Bank of Pierz Pierz Minn. 2.03 2.21 219,050 20.24 50.23
193 Bank of Louisiana New Orleans La. 2.02 -1.02 77,954 17.48 73.25
Bank of St. Elizabeth St. Elizabeth Mo. 2.02 1.89 127,300 17.00 60.40
First Community Bank of Central Alabama Wetumpka Ala. 2.02 1.92 356,432 26.64 49.24
Midwest Bank Detroit Lakes Minn. 2.02 2.08 378,579 21.41 52.77
Municipal Trust and Savings Bank Bourbonnais Ill. 2.02 2.09 307,939 11.03 38.10
Riverside Bank Sparkman Ark. 2.02 2.35 58,686 22.88 58.25
Willamette Valley Bank Salem Ore. 2.02 1.88 177,052 16.76 80.36
200 Bank of Galesville Galesville Wis. 2.01 2.20 92,308 10.71 60.50

Note: Independent banks and thrifts operating as of May 22, 2017 with less than $1 billion of assets or whose holding companies have less than $1 billion.
Excludes industrial banks and those at which loans were less than half of assets or whose credit card loans exceeded 25% of gross loans.
© 2017 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)