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Community banking

Community Banks with the Highest Returns on Average Assets

December 02, 2019, 11:05 a.m. EST 1 Min Read

Year to date through Sep. 30, 2019. Dollars in thousands.

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Community Banks with the Highest Returns on Average Assets

Return on average assets

 Total Return on  Efficiency
Rank Company City State 3Q 2019 3Q 2019 assets average equity ratio
1 NBKC Bank Kansas City Mo. 10.57 1.69 $814,264 82.67 58.60
2 Calwest Bank Irvine Calif. 10.22 0.71 226,463 102.50 79.92
3 FinWise Bank Murray Utah 9.44 5.50 161,651 53.53 38.87
4 Goldwater Bank, N.A. Phoenix Ariz. 7.18 0.16 195,515 76.64 84.26
5 Magnolia Bank Magnolia Ky. 6.65 1.87 320,976 65.78 77.15
6 Allied First Bank,sb Oswego Ill. 6.46 -0.43 103,594 54.47 88.60
7 Willamette Valley Bank Salem Ore. 5.85 4.34 265,419 45.01 68.38
8 Peoples Bank & Trust Company Ryan Okla. 5.84 -0.22 46,777 47.77 42.88
9 Central Bank of Kansas City Kansas City Mo. 5.83 4.60 216,164 35.12 49.07
10 Spring Valley Bank Wyoming Ohio 5.62 4.57 80,312 13.65 37.86
11 Farmers & Merchants Savings Bank Manchester Iowa 5.54 1.82 599,427 43.03 30.33
12 First State Bank of Kiester Kiester Minn. 5.22 -8.55 20,456 45.27 -35.46
13 First Credit Bank Los Angeles Calif. 5.16 5.93 454,648 11.49 5.42
14 Crown Bank Elizabeth N.J. 4.70 2.06 522,778 22.94 34.59
15 Bank of Prague Prague Neb. 4.61 3.76 29,398 31.71 33.45
16 Bank of England England Ark. 4.42 2.43 471,085 34.90 87.75
17 California First National Bank Irvine Calif. 4.25 2.21 145,422 9.90 31.01
18 Peoples Bank & Trust Company Owenton Ky. 4.24 1.14 51,522 28.57 59.60
19 State Bank of Texas Dallas Tex. 4.14 4.59 823,039 24.93 23.66
20 Brazos National Bank Richwood Tex. 4.12 6.03 32,735 13.58 84.03
21 Bank of Ontario Ontario Wis. 3.87 2.07 50,312 32.62 50.25
22 Nebraska State Bank Oshkosh Neb. 3.78 3.43 50,266 22.13 43.61
23 Midwest Community Bank Freeport Ill. 3.66 0.88 246,284 33.93 74.16
24 WoodTrust Bank Wisconsin Rapids Wis. 3.62 3.33 417,951 30.59 40.76
25 Wyoming Bank & Trust Cheyenne Wyo. 3.57 2.27 218,059 28.42 76.86
26 First National Bank of Hughes Springs Hughes Springs Tex. 3.53 2.03 263,967 26.04 59.40
27 First Federal Savings and Loan Bank Olathe Kan. 3.52 2.93 97,016 29.17 15.38
28 Crockett National Bank San Antonio Tex. 3.50 2.67 651,626 28.34 66.74
29 American Interstate Bank Elkhorn Neb. 3.46 2.71 109,928 17.81 32.06
Douglas National Bank Douglas Ga. 3.46 3.11 178,728 27.19 45.04
31 Northwest Bank & Trust Company Davenport Iowa 3.45 1.90 160,196 32.71 53.83
32 American National Bank-Fox Cities Appleton Wis. 3.38 1.96 300,632 24.52 51.52
33 Bank of Montana Missoula Mont. 3.36 7.68 94,037 27.31 44.56
34 Charter Bank Corpus Christi Tex. 3.35 3.47 299,400 30.54 49.32
35 Peoples Community Bank Greenville Mo. 3.34 3.09 483,056 19.28 36.61
36 Rocky Mountain Bank & Trust Florence Colo. 3.33 -0.02 73,519 32.48 58.21
37 Citizens State Bank of Finley Finley N.D. 3.30 1.56 132,666 24.71 48.49
University Bank Ann Arbor Mich. 3.30 1.99 383,187 35.00 85.44
39 1st Bank & Trust Broken Bow Okla. 3.18 2.74 156,919 27.45 44.67
Community Bank of Easton Easton Ill. 3.18 2.96 36,222 15.24 12.53
Cumberland Security Bank, Inc. Somerset Ky. 3.18 3.03 225,848 23.48 44.10
42 Utah Independent Bank Salina Utah 3.14 2.89 83,086 19.80 47.90
43 FNB South Alma Ga. 3.13 3.51 386,701 18.87 44.73
KodaBank Drayton N.D. 3.13 2.74 148,920 23.25 33.35
45 Bison State Bank Bison Kan. 3.11 -0.25 14,216 30.98 75.79
Quantum National Bank Suwanee Ga. 3.11 3.17 510,596 27.56 42.94
State Bank of Faribault Faribault Minn. 3.11 1.27 208,898 27.67 55.37
48 Security State Bank Sutherland Iowa 3.09 2.35 223,870 35.69 48.27
49 Citizens State Bank of La Crosse La Crosse Wis. 3.07 3.06 308,253 35.09 43.97
50 First Security Bank of Deer Lodge Deer Lodge Mont. 3.06 2.30 40,001 29.99 41.24
North Valley Bank Thornton Colo. 3.06 2.50 177,890 25.45 46.20
52 21st Century Bank Loretto Minn. 3.05 0.92 509,098 26.10 33.32
53 Waggoner National Bank of Vernon Vernon Tex. 3.03 2.78 286,725 21.31 43.95
54 First State Bank Elmore City Okla. 3.02 1.38 14,444 21.86 88.45
55 Tejas Bank Monahans Tex. 3.01 3.04 183,590 27.09 37.96
56 United Community Bank Raceland La. 2.99 0.30 534,113 20.80 49.74
Yellowstone Bank Laurel Mont. 2.99 3.76 780,063 15.85 38.57
58 Farmers and Merchants Bank Maysville Okla. 2.96 1.90 19,018 34.71 53.84
Hodge Bank & Trust Company Hodge La. 2.96 3.10 70,865 15.57 43.29
60 First Bank Burkburnett Tex. 2.95 2.32 469,037 26.25 65.09
61 First National Bank of Picayune Picayune Miss. 2.94 2.82 201,900 19.57 47.34
HNB National Bank Hannibal Mo. 2.94 2.62 505,381 22.08 46.23
63 Bank of Lake Mills Lake Mills Wis. 2.92 2.32 228,056 23.37 50.23
Brunswick State Bank Brunswick Neb. 2.92 2.57 130,116 29.98 39.07
65 Bank of Mauston Mauston Wis. 2.89 2.90 300,252 22.48 36.73
First National Bank of Eldorado Eldorado Tex. 2.89 2.58 58,932 16.16 51.33
Mississippi River Bank Belle Chasse La. 2.89 2.84 110,558 20.04 55.69
Security State Bank Farwell Tex. 2.89 2.45 151,454 20.01 31.93
69 Tolleson Private Bank Dallas Tex. 2.88 1.45 541,674 31.08 41.28
70 Charter West Bank West Point Neb. 2.87 1.73 298,030 30.15 67.83
71 Charlotte State Bank & Trust Port Charlotte Fla. 2.86 2.36 379,290 27.80 52.93
72 Citizens Bank Amarillo Tex. 2.85 2.19 170,333 26.87 44.27
73 Brighton Bank Salt Lake City Utah 2.83 2.33 208,671 21.93 49.23
Vermillion State Bank Vermillion Minn. 2.83 2.64 591,931 17.65 24.24
75 Apex Bank Camden Tenn. 2.82 3.67 591,499 19.89 47.30
Bank of Elgin Elgin Neb. 2.82 2.20 56,571 17.85 43.55
First State Bank of Healy Healy Kan. 2.82 1.72 77,099 13.31 63.06
Oklahoma State Bank Buffalo Okla. 2.82 2.66 53,138 25.73 50.50
79 Peoples Bank Westville Okla. 2.81 0.82 46,498 24.09 59.28
80 First National Bank of Bangor Bangor Wis. 2.78 3.49 213,595 8.60 21.06
State Bank Northwest Spokane Valley Wash. 2.78 1.61 136,749 23.13 59.75
Yampa Valley Bank Steamboat Springs Colo. 2.78 2.46 319,183 28.11 49.47
83 Bank of Alma Alma Wis. 2.77 2.75 243,926 5.93 14.80
84 NewFirst National Bank El Campo Tex. 2.76 2.63 727,596 23.43 48.40
85 Bank of Hemet Riverside Calif. 2.75 2.74 722,266 25.29 38.05
Bank of Morton Morton Miss. 2.75 2.85 68,797 18.29 55.31
87 Bank of Commerce Stilwell Okla. 2.74 1.60 81,297 20.57 58.32
Farmers & Merchants Bank Eatonton Ga. 2.74 1.11 181,367 19.22 63.50
Farmers and Merchants Bank of Kendall Kendall Wis. 2.74 3.24 73,432 17.28 46.80
First State Bank of Beecher City Beecher City Ill. 2.74 2.64 72,663 15.00 47.27
Home Bank of California San Diego Calif. 2.74 3.50 175,844 20.08 39.69
Kearny County Bank Lakin Kan. 2.74 2.10 203,144 15.05 54.37
New Frontier Bank Saint Charles Mo. 2.74 0.09 97,483 28.10 56.33
94 Bank of Hydro Hydro Okla. 2.72 2.57 121,032 23.30 48.38
95 Texas Bank Financial Weatherford Tex. 2.71 2.43 420,725 28.54 57.35
96 Coleman County State Bank Coleman Tex. 2.69 2.71 121,930 26.68 58.78
State Bank of Cochran Cochran Ga. 2.69 2.90 207,936 16.08 50.32
98 North American Banking Company Roseville Minn. 2.68 2.12 596,735 28.33 45.54
99 First State Bank of Golva Golva N.D. 2.67 2.53 77,533 25.37 45.96
Peoples Bank Mendenhall Miss. 2.67 2.74 310,997 26.74 63.18
PromiseOne Bank Duluth Ga. 2.67 3.32 435,524 20.55 51.89
State Bank of Wheaton Wheaton Minn. 2.67 3.08 84,213 10.93 41.31
103 Englewood Bank & Trust Englewood Fla. 2.66 2.59 303,523 26.74 47.90
First National Bank of Albany Albany Tex. 2.66 2.40 603,524 23.29 38.40
Prime Alliance Bank Woods Cross Utah 2.66 2.38 477,280 24.89 25.76
Solon State Bank Solon Iowa 2.66 2.68 96,083 10.71 42.39
107 Wallis Bank Wallis Tex. 2.65 3.49 779,720 21.91 54.17
108 Bank of Texas Midland Tex. 2.64 2.56 379,987 19.90 32.02
109 Bloomsdale Bank Bloomsdale Mo. 2.63 2.30 228,012 27.05 41.62
110 Bank of George Las Vegas Nev. 2.61 2.79 312,847 21.49 51.63
Grant County State Bank Swayzee Ind. 2.61 2.42 193,862 22.62 28.06
112 Titan Bank, N.A. Mineral Wells Tex. 2.60 2.15 142,287 27.71 50.31
113 Campbell County Bank, Inc. Herreid S.D. 2.59 2.52 139,612 16.19 45.30
114 Pony Express Bank Liberty Mo. 2.58 2.69 179,059 20.62 49.74
Waukon State Bank Waukon Iowa 2.58 2.03 296,094 20.74 36.70
116 First National Bank of Las Animas Las Animas Colo. 2.57 2.42 382,229 20.39 45.88
First Security Bank-Sleepy Eye Sleepy Eye Minn. 2.57 1.93 183,642 17.83 58.55
Welcome State Bank Welcome Minn. 2.57 2.98 30,233 22.48 49.57
119 PrinsBank Prinsburg Minn. 2.56 5.33 135,998 15.89 45.77
120 Cowboy Bank of Texas Maypearl Tex. 2.55 2.35 87,081 23.67 53.07
Pioneer Trust Bank, National Association Salem Ore. 2.55 2.56 536,285 19.99 34.35
St. Henry Bank Saint Henry Ohio 2.55 2.43 298,959 16.16 39.96
123 Farmers and Merchants State Bank Plankinton S.D. 2.54 2.40 113,684 22.75 44.64
Lake Central Bank Annandale Minn. 2.54 1.68 157,880 17.76 50.90
125 Elysian Bank Elysian Minn. 2.53 2.27 50,017 21.86 51.49
First Bank Erick Okla. 2.53 2.12 72,031 19.98 55.76
First State Bank Louise Tex. 2.53 3.58 499,645 26.58 50.53
St. Clair State Bank (Incorporated) Saint Clair Minn. 2.53 2.87 95,206 24.36 33.63
129 Bippus State Bank Huntington Ind. 2.52 1.95 183,367 22.61 53.82
Peoples State Bank Cherryvale Kan. 2.52 1.83 17,643 9.49 54.71
131 First State Bank Shallowater Tex. 2.51 2.21 95,663 13.17 53.96
132 Citizens Bank Butler Mo. 2.50 1.65 151,629 33.08 59.97
Community Bank Longview Tex. 2.50 2.49 220,632 22.52 42.05
Farmers Bank Ault Colo. 2.50 2.40 253,427 18.40 43.90
Grundy Bank Morris Ill. 2.50 2.41 277,932 23.38 50.04
Heartland Bank Somers Iowa 2.50 2.08 158,854 18.03 52.26
TexasBank Brownwood Tex. 2.50 2.59 497,431 18.17 53.01
138 Grant County State Bank Carson N.D. 2.49 2.89 33,270 18.57 52.19
139 Crowell State Bank Crowell Tex. 2.48 2.28 37,284 22.14 51.64
First State Bank of St. Charles, Missouri Saint Charles Mo. 2.48 1.34 391,484 19.04 74.92
Ultima Bank Minnesota Winger Minn. 2.48 2.51 189,245 23.99 49.40
142 Basile State Bank Basile La. 2.47 1.92 56,632 21.57 57.97
First Bank & Trust Company Perry Okla. 2.47 1.97 146,483 17.97 55.47
Prime Bank Edmond Okla. 2.47 2.64 283,030 19.51 38.46
145 Commercial Bank of Mott Mott N.D. 2.46 2.38 108,303 17.18 41.08
146 Bank Northwest Hamilton Mo. 2.44 2.93 159,941 24.52 42.92
Bank of Denver Denver Colo. 2.44 1.10 231,956 23.69 48.19
First National Bank of Central Texas Waco Tex. 2.44 2.26 856,007 24.69 45.27
South Georgia Bank Glennville Ga. 2.44 2.44 157,688 18.69 57.27
150 Bank of Old Monroe Old Monroe Mo. 2.43 2.31 391,825 15.63 49.01
Riverside Bank Sparkman Ark. 2.43 2.24 60,238 27.61 53.08
152 Citizens Bank of Las Cruces Las Cruces N.M. 2.42 2.45 612,080 22.51 53.77
First National Bank of Anson Anson Tex. 2.42 1.98 61,047 24.85 57.57
Goodfield State Bank Goodfield Ill. 2.42 2.53 129,173 18.22 51.46
National Bank of Andrews Andrews Tex. 2.42 2.88 224,469 22.54 64.39
Scribner Bank Scribner Neb. 2.42 1.78 65,601 15.98 56.74
Security First Bank of North Dakota Center N.D. 2.42 0.82 182,283 16.88 57.99
Sound Banking Company Lakewood Wash. 2.42 3.46 56,942 25.16 50.50
Taylor County Bank Campbellsville Ky. 2.42 1.98 182,038 16.21 54.40
160 Bank of Glen Ullin Glen Ullin N.D. 2.41 3.65 62,074 21.40 42.35
161 Durden Banking Company, Incorporated Twin City Ga. 2.40 2.18 178,944 14.73 56.37
First Community Bank of Central Alabama Wetumpka Ala. 2.40 2.30 377,785 29.41 46.75
Flanagan State Bank Flanagan Ill. 2.40 1.38 187,732 22.39 81.08
HomeTown Bank of Alabama Oneonta Ala. 2.40 1.90 382,128 16.42 49.54
State Bank of New Richland New Richland Minn. 2.40 2.93 115,893 25.24 39.70
166 Coffee County Bank Manchester Tenn. 2.39 2.64 198,100 20.48 47.35
Security Bank Midland Tex. 2.39 2.02 921,688 17.30 56.81
Security First National Bank of Hugo Hugo Okla. 2.39 2.99 112,881 24.67 51.01
Town and Country Bank Midwest Quincy Ill. 2.39 2.50 188,276 21.46 48.79
170 Adrian Bank Adrian Mo. 2.38 2.16 142,519 19.57 48.55
BOM Bank Natchitoches La. 2.38 2.24 476,958 24.34 57.81
Heartland State Bank Redfield S.D. 2.38 3.04 88,732 20.06 52.95
173 Bellevue State Bank Bellevue Iowa 2.37 2.36 120,505 15.82 37.78
Nodaway Valley Bank Maryville Mo. 2.37 2.08 911,574 16.59 52.93
175 Adrian State Bank Adrian Minn. 2.36 1.65 50,484 24.50 46.95
Verus Bank of Commerce Fort Collins Colo. 2.36 2.42 268,881 17.36 33.73
177 Crossroads Bank Yoakum Tex. 2.35 1.85 210,774 19.22 45.81
Crown Bank Edina Minn. 2.35 0.49 215,423 20.59 60.11
Farmers & Stockmens Bank Clayton N.M. 2.35 2.01 217,964 17.87 69.43
Great Plains Bank Eureka S.D. 2.35 1.84 113,990 17.98 39.19
181 Fidelity Bank Edina Minn. 2.34 1.94 614,265 13.65 54.76
182 Bank of Advance Advance Mo. 2.33 2.55 328,829 16.47 53.63
Rockwood Bank Eureka Mo. 2.33 1.07 250,327 15.72 59.30
State Bank of Toledo Toledo Iowa 2.33 1.48 114,211 24.90 55.48
Town-Country National Bank Camden Ala. 2.33 1.87 109,468 12.34 56.01
TransCapital Bank Sunrise Fla. 2.33 1.87 208,456 12.56 39.19
Waukesha State Bank Waukesha Wis. 2.33 2.39 986,331 18.67 38.82
188 Edmonton State Bank Edmonton Ky. 2.32 2.01 547,436 15.97 53.27
Security State Bank of Marine Marine On Saint Croix Minn. 2.32 2.14 144,888 21.95 51.95
190 Bank of the West Thomas Okla. 2.31 2.26 144,819 17.73 52.24
Farmers and Merchants State Bank Langdon N.D. 2.31 2.20 106,349 15.94 39.63
Fidelity Bank West Des Moines Iowa 2.31 -0.22 99,577 21.74 82.62
First Bank of Owasso Owasso Okla. 2.31 2.12 432,159 21.45 43.98
Northview Bank Sandstone Minn. 2.31 2.10 325,231 18.17 57.06
Security Bank of Southwest Missouri Cassville Mo. 2.31 2.39 78,925 18.26 55.60
196 Bennington State Bank Salina Kan. 2.30 2.24 705,983 19.17 36.89
First Eagle Bank Chicago Ill. 2.30 2.65 528,748 12.84 40.95
Guaranty Bank & Trust Company of Delhi Delhi La. 2.30 2.89 275,108 27.75 57.28
Iowa Trust & Savings Bank Emmetsburg Iowa 2.30 1.70 314,390 21.93 48.13
Wilson & Muir Bank & Trust Company Bardstown Ky. 2.30 2.06 550,083 27.39 48.53

Note: Independent banks and thrifts operating as of Nov. 29, 2019 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.
© 2019 American Banker
Source:

https://www.spglobal.com/en/

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