Community Banks with the Highest Returns on Average Assets

Year to date through Sep. 30, 2018. Dollars in thousands.

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Community Banks with the Highest Returns on Average Assets

Return on average assets

Total
assets
Return on
average equity
Efficiency
ratio
Rank Company City State 3Q 2018 3Q 2017
1 Haverford Trust Company Radnor Pa. 7.97 5.06 $130,230 43.62 75.73
2 Bank of Montana Missoula Mont. 7.68 5.55 86,495 64.51 33.23
3 Independence Bank East Greenwich R.I. 6.47 -0.24 63,761 29.52 31.08
4 Brazos National Bank Richwood Tex. 6.03 3.11 25,417 19.60 78.63
5 First Credit Bank Los Angeles Calif. 5.93 6.01 486,121 14.88 7.28
6 Valor Bank Edmond Okla. 5.53 1.56 81,083 61.87 41.45
7 FinWise Bank Sandy Utah 5.50 4.57 101,706 32.21 52.31
8 PrinsBank Prinsburg Minn. 5.33 4.18 130,685 33.31 36.36
9 Millennium Bank Des Plaines Ill. 5.10 3.02 114,310 44.30 50.56
10 Community Bank of Raymore Raymore Mo. 4.94 2.79 245,788 60.73 42.77
11 Citizens Bank of Chatsworth Chatsworth Ill. 4.90 -0.94 31,550 54.21 45.36
12 North Alabama Bank Hazel Green Ala. 4.73 1.07 102,804 34.64 39.51
13 Central Bank of Kansas City Kansas City Mo. 4.60 3.64 165,306 23.33 56.15
14 State Bank of Texas Dallas Tex. 4.59 4.92 843,195 27.28 26.82
15 Spring Valley Bank Wyoming Ohio 4.57 4.44 72,473 10.76 26.45
16 Enterprise Bank of South Carolina Ehrhardt S.C. 4.47 0.60 330,738 89.08 72.84
17 Peoples Bank Eatonton Ga. 4.43 0.08 124,150 90.93 49.71
18 Town & Country Bank Las Vegas Nev. 4.41 2.69 162,607 36.51 49.84
19 First National Bank of Layton Layton Utah 4.35 1.84 326,343 33.45 44.43
20 Willamette Valley Bank Salem Ore. 4.34 4.15 235,306 36.61 73.15
21 First Bank of the Lake Osage Beach Mo. 4.07 0.58 78,693 41.21 44.64
22 Northern State Bank of Virginia Virginia Minn. 3.96 1.05 70,212 43.94 29.95
23 First Colorado National Bank Paonia Colo. 3.80 0.58 67,665 18.35 66.63
24 Bank of Prague Prague Neb. 3.76 4.81 27,694 25.84 34.77
Yellowstone Bank Laurel Mont. 3.76 2.96 728,010 20.53 33.36
26 Bank 7 Oklahoma City Okla. 3.73 3.64 750,425 33.92 36.23
27 Apex Bank Camden Tenn. 3.67 3.48 559,968 30.68 36.25
28 First Farmers & Merchants State Bank of Grand Meadow Grand Meadow Minn. 3.66 1.29 65,757 32.93 40.86
29 Bank of Glen Ullin Glen Ullin N.D. 3.65 2.97 54,057 28.90 35.23
30 First Security Bank of Nevada Las Vegas Nev. 3.62 1.20 200,721 17.83 39.09
31 First State Bank Louise Tex. 3.58 2.15 466,249 42.60 44.09
32 FNB South Alma Ga. 3.51 2.56 370,360 22.06 43.10
33 Home Bank of California San Diego Calif. 3.50 3.13 163,939 23.88 34.31
34 First National Bank of Bangor Bangor Wis. 3.49 2.05 218,302 12.19 17.10
Wallis State Bank Wallis Tex. 3.49 2.59 682,886 31.19 47.49
36 Charter Bank Corpus Christi Tex. 3.47 2.94 279,451 34.26 48.26
37 Sound Banking Company Lakewood Wash. 3.46 2.54 53,937 36.53 42.13
38 Nebraska State Bank Oshkosh Neb. 3.43 2.93 50,089 21.68 45.27
39 WoodTrust Bank Wisconsin Rapids Wis. 3.33 3.17 393,879 32.14 44.53
40 NOA Bank Duluth Ga. 3.32 3.79 369,386 27.17 47.88
41 Farmers and Merchants Bank of Kendall Kendall Wis. 3.24 3.16 72,297 21.28 44.36
42 Corydon State Bank Corydon Iowa 3.20 2.88 114,567 15.43 19.79
43 First State Bank Scottsbluff Neb. 3.18 2.47 231,987 28.90 45.70
44 Quantum National Bank Suwanee Ga. 3.17 1.72 470,887 27.17 43.22
45 Security State Bank Cheyenne Okla. 3.16 2.33 171,443 22.09 36.30
46 Douglas National Bank Douglas Ga. 3.11 2.95 177,911 25.52 49.45
47 Hodge Bank & Trust Company Hodge La. 3.10 2.44 69,468 17.03 42.46
48 Central State Bank Clayton Ill. 3.09 3.20 134,838 19.76 46.67
Peoples Community Bank Greenville Mo. 3.09 3.17 463,133 19.25 40.01
Sutton Bank Attica Ohio 3.09 2.24 512,824 29.49 48.71
51 State Bank of Wheaton Wheaton Minn. 3.08 2.93 78,900 13.00 31.07
52 Citizens State Bank of La Crosse La Crosse Wis. 3.06 2.76 270,488 34.50 44.00
53 Heartland State Bank Redfield S.D. 3.04 2.16 87,874 24.94 47.66
Tejas Bank Monahans Tex. 3.04 2.18 163,893 27.17 39.20
55 Cumberland Security Bank, Inc. Somerset Ky. 3.03 2.74 204,939 22.83 46.31
56 Security First National Bank of Hugo Hugo Okla. 2.99 1.53 113,789 31.26 52.29
57 Welcome State Bank Welcome Minn. 2.98 3.04 30,433 26.79 47.57
58 Home Savings Bank Salt Lake City Utah 2.97 1.20 121,884 21.47 35.59
Jefferson Bank Greenville Miss. 2.97 1.63 137,388 18.24 37.98
Tri-State Bank of Memphis Memphis Tenn. 2.97 -0.88 83,180 19.47 60.59
61 Community Bank of Easton Easton Ill. 2.96 2.40 33,934 15.51 14.35
62 EvaBank Cullman Ala. 2.95 2.53 371,803 12.53 35.63
63 Bank Northwest Hamilton Mo. 2.93 2.13 159,801 34.86 53.31
First Federal Savings and Loan Bank Olathe Kan. 2.93 3.22 85,961 26.44 34.38
State Bank of New Richland New Richland Minn. 2.93 2.96 107,545 29.58 28.57
66 Bank of Mauston Mauston Wis. 2.90 2.98 289,041 24.26 38.46
First National Bank Fort Pierre S.D. 2.90 2.04 967,661 11.57 35.33
State Bank of Cochran Cochran Ga. 2.90 2.30 211,289 17.61 47.96
69 Grant County State Bank Carson N.D. 2.89 2.56 34,002 22.47 45.78
Guaranty Bank & Trust Company of Delhi Delhi La. 2.89 2.26 243,880 34.48 52.09
Utah Independent Bank Salina Utah 2.89 2.13 82,613 19.19 50.94
72 National Bank of Andrews Andrews Tex. 2.88 2.92 203,636 26.11 57.85
73 St. Clair State Bank (Incorporated) Saint Clair Minn. 2.87 2.53 89,404 23.33 26.49
74 Bank of Morton Morton Miss. 2.85 3.54 66,787 19.62 53.98
First National Bank of Milaca Milaca Minn. 2.85 1.62 210,530 25.17 51.04
76 Mississippi River Bank Belle Chasse La. 2.84 2.28 118,319 23.79 50.31
New Century Bank Belleville Kan. 2.84 3.82 49,728 25.19 60.06
78 First National Bank of Picayune Picayune Miss. 2.82 2.53 205,478 21.93 47.53
79 Bank of George Las Vegas Nev. 2.79 2.17 229,149 20.24 52.01
One World Bank Dallas Tex. 2.79 1.19 90,961 18.36 61.39
81 Waggoner National Bank of Vernon Vernon Tex. 2.78 2.47 288,498 21.40 41.89
82 Commercial Capital Bank Delhi La. 2.77 2.31 169,972 21.06 47.53
83 Bank of the Orient San Francisco Calif. 2.76 0.73 836,464 25.12 41.36
84 Bank of Alma Alma Wis. 2.75 1.98 226,982 6.04 13.68
85 1st Bank & Trust Broken Bow Okla. 2.74 2.57 152,898 27.33 45.02
Bank of Hemet Riverside Calif. 2.74 2.41 726,808 27.20 38.74
KodaBank Drayton N.D. 2.74 2.40 146,359 21.96 38.28
Peoples Bank Mendenhall Miss. 2.74 2.37 294,423 29.14 62.31
89 Kinmundy Bank Kinmundy Ill. 2.73 1.56 47,058 20.84 34.36
90 Farmers Exchange Bank Cherokee Okla. 2.72 2.17 309,851 21.24 49.28
91 American Interstate Bank Elkhorn Neb. 2.71 2.28 108,720 17.31 39.10
Coleman County State Bank Coleman Tex. 2.71 1.03 109,640 26.91 56.63
93 Bank of Dawson Dawson Ga. 2.70 2.34 115,432 14.74 47.78
Citizens State Bank Miles Tex. 2.70 2.59 140,390 27.48 41.29
95 Commercial State Bank of Wagner Wagner S.D. 2.69 3.03 174,800 28.19 35.44
Pony Express Bank Liberty Mo. 2.69 2.26 164,672 21.84 47.48
97 Bank of Baker Baker Mont. 2.68 2.27 134,313 23.81 39.60
Solon State Bank Solon Iowa 2.68 2.27 96,467 11.49 45.36
99 Crockett National Bank San Antonio Tex. 2.67 2.95 648,846 22.06 74.81
100 Oklahoma State Bank Buffalo Okla. 2.66 2.29 54,202 25.53 52.28
101 First Eagle Bank Chicago Ill. 2.65 2.62 511,365 16.96 37.70
102 Coffee County Bank Manchester Tenn. 2.64 2.71 189,545 23.20 44.90
First State Bank of Beecher City Beecher City Ill. 2.64 2.73 69,600 14.55 50.36
Prime Bank Edmond Okla. 2.64 2.84 270,826 21.32 42.91
Vermillion State Bank Vermillion Minn. 2.64 2.74 546,291 17.57 26.00
106 Bank of DeSoto, National Association Desoto Tex. 2.63 1.94 181,706 23.37 58.95
Buckholts State Bank Buckholts Tex. 2.63 2.24 75,885 15.52 42.91
NewFirst National Bank El Campo Tex. 2.63 2.45 705,800 22.91 50.03
109 HNB National Bank Hannibal Mo. 2.62 2.17 468,749 20.33 48.89
110 Englewood Bank & Trust Englewood Fla. 2.59 2.07 287,159 29.76 48.01
Midwest Bank Detroit Lakes Minn. 2.59 2.41 455,241 28.38 43.04
TexasBank Brownwood Tex. 2.59 2.59 485,174 19.29 50.01
113 Continental Bank Salt Lake City Utah 2.58 3.21 168,708 16.70 57.52
114 Bank of Hydro Hydro Okla. 2.57 2.74 124,342 23.67 49.78
Brunswick State Bank Brunswick Neb. 2.57 1.95 124,453 28.06 39.31
116 Bank of Texas Midland Tex. 2.56 2.22 372,757 21.92 30.10
Commercial Bank Crawford Ga. 2.56 2.31 169,208 23.46 47.08
Pioneer Trust Bank, National Association Salem Ore. 2.56 2.30 506,201 21.47 34.96
119 Bank of Advance Advance Mo. 2.55 2.15 328,947 18.04 49.79
CFG Community Bank Baltimore Md. 2.55 3.02 786,167 15.32 60.55
121 Security National Bank of Enid Enid Okla. 2.54 -0.38 321,821 28.61 43.47
Valley State Bank Syracuse Kan. 2.54 1.48 137,404 27.64 64.16
123 First State Bank of Golva Golva N.D. 2.53 2.18 77,184 27.61 59.46
Goodfield State Bank Goodfield Ill. 2.53 2.35 116,423 20.50 49.80
125 Campbell County Bank, Inc. Herreid S.D. 2.52 2.57 96,739 13.68 46.78
First National Bank of Floydada Floydada Tex. 2.52 2.12 102,183 21.27 38.23
127 First National Bank of Nokomis Nokomis Ill. 2.51 1.28 146,558 22.53 64.96
Ultima Bank Minnesota Winger Minn. 2.51 2.46 180,958 24.72 50.41
129 Heritage Bank of Nevada Reno Nev. 2.50 1.75 817,266 21.03 37.73
North Valley Bank Thornton Colo. 2.50 2.60 170,335 22.00 50.51
Town and Country Bank Midwest Quincy Ill. 2.50 2.38 167,597 21.85 48.36
Union Bank & Trust Company Livingston Tenn. 2.50 2.38 85,061 19.42 48.68
133 Community Bank Longview Tex. 2.49 2.17 213,379 23.12 41.53
Farmers Bank and Trust Company Blytheville Ark. 2.49 1.28 264,263 24.98 51.69
135 River Cities Bank Wisconsin Rapids Wis. 2.48 1.39 247,438 16.91 41.72
136 First Security Bank - Canby Canby Minn. 2.47 1.71 66,474 15.33 45.25
Horizon Bank Waverly Neb. 2.47 1.91 283,738 15.43 39.04
138 Yampa Valley Bank Steamboat Springs Colo. 2.46 2.35 301,512 27.72 49.76
139 Citizens Bank of Las Cruces Las Cruces N.M. 2.45 2.15 552,253 25.10 53.71
Security State Bank Farwell Tex. 2.45 2.71 151,404 17.83 41.23
141 Bank of Geneva Geneva Ind. 2.44 2.09 290,069 22.70 49.60
South Georgia Bank Glennville Ga. 2.44 2.21 153,299 21.39 61.57
143 Bank of England England Ark. 2.43 2.30 321,163 15.95 91.63
St. Henry Bank Saint Henry Ohio 2.43 2.28 299,997 17.69 38.92
Texas Bank Financial Weatherford Tex. 2.43 2.45 324,909 25.57 62.82
United Midwest Savings Bank, National Association De Graff Ohio 2.43 1.74 256,526 23.30 66.10
147 Bank of Okolona Okolona Miss. 2.42 1.51 192,647 23.74 52.26
Bank of St. Elizabeth Saint Elizabeth Mo. 2.42 2.17 138,569 19.15 55.82
Embassy National Bank Lawrenceville Ga. 2.42 2.57 106,085 17.55 64.32
Farmers State Bank of Oakley, Kansas Oakley Kan. 2.42 1.22 143,638 15.45 43.20
Farmers Trust & Savings Bank Williamsburg Iowa 2.42 2.12 133,162 9.87 41.02
First National Bank of Las Animas Las Animas Colo. 2.42 2.45 357,723 21.35 48.09
Grant County State Bank Swayzee Ind. 2.42 2.16 177,744 22.10 31.97
Verus Bank of Commerce Fort Collins Colo. 2.42 1.98 242,295 16.79 34.60
155 Grundy Bank Morris Ill. 2.41 2.05 313,208 22.29 50.17
156 Farmers and Merchants State Bank Plankinton S.D. 2.40 1.75 112,679 22.77 46.34
Farmers Bank Ault Colo. 2.40 2.28 238,666 17.69 44.84
First National Bank of Albany Albany Tex. 2.40 1.84 597,299 22.13 38.81
159 Central National Bank of Poteau Poteau Okla. 2.39 2.38 234,245 22.97 54.60
Century Bank of the Ozarks Gainesville Mo. 2.39 2.23 174,064 25.27 53.94
Security Bank of Southwest Missouri Cassville Mo. 2.39 2.38 82,119 20.16 51.49
Waukesha State Bank Waukesha Wis. 2.39 2.07 954,590 20.48 54.86
163 Commercial Bank of Mott Mott N.D. 2.38 2.40 103,712 17.70 41.79
Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. 2.38 1.88 81,068 29.40 51.21
HomeBank Texas Seagoville Tex. 2.38 1.64 192,472 23.75 50.94
Municipal Trust and Savings Bank Bourbonnais Ill. 2.38 2.37 299,361 13.55 37.13
Prime Alliance Bank Woods Cross Utah 2.38 2.55 387,722 23.28 28.50
168 Points West Community Bank Windsor Colo. 2.37 2.03 251,481 23.58 47.81
169 Bellevue State Bank Bellevue Iowa 2.36 2.40 111,896 16.18 43.19
Charlotte State Bank & Trust Port Charlotte Fla. 2.36 2.14 362,222 27.85 55.85
171 Cowboy Bank of Texas Maypearl Tex. 2.35 2.00 79,301 23.41 56.03
First Enterprise Bank Oklahoma City Okla. 2.35 2.23 161,861 18.61 60.91
First Fidelity Bank Burke S.D. 2.35 2.16 353,929 25.92 50.24
Security State Bank Sutherland Iowa 2.35 2.63 138,251 22.93 35.57
175 Brighton Bank Salt Lake City Utah 2.33 2.30 214,285 20.85 53.39
Community Bank Bristow Okla. 2.33 1.49 84,763 26.82 53.71
First Security Bank of Roundup Roundup Mont. 2.33 2.25 60,262 21.79 51.25
Gothenburg State Bank Gothenburg Neb. 2.33 2.03 158,495 18.52 48.94
High Plains Bank Keyes Okla. 2.33 2.39 91,850 19.99 45.65
180 Bank of Lake Mills Lake Mills Wis. 2.32 1.44 210,022 19.22 54.07
Ericson State Bank Ericson Neb. 2.32 1.75 96,820 23.33 36.81
First Bank Burkburnett Tex. 2.32 2.64 421,536 20.21 71.21
183 Alamosa State Bank Alamosa Colo. 2.31 1.85 249,103 24.99 41.10
Bank of Old Monroe Old Monroe Mo. 2.31 1.57 355,569 16.50 47.08
Freedom Bank Huntingburg Ind. 2.31 2.31 415,514 22.00 43.48
Lowry State Bank Lowry Minn. 2.31 2.15 50,720 22.64 47.21
187 Bloomsdale Bank Bloomsdale Mo. 2.30 1.97 223,313 27.78 47.02
First Community Bank of Central Alabama Wetumpka Ala. 2.30 2.18 353,575 31.56 47.20
First General Bank Rowland Heights Calif. 2.30 1.58 947,679 18.17 29.83
First Security Bank of Deer Lodge Deer Lodge Mont. 2.30 2.28 37,755 22.25 52.44
Peoples Bank Midwest Hayward Wis. 2.30 2.13 358,817 11.29 44.57
Peoples Savings Bank Elma Iowa 2.30 2.02 76,669 21.11 45.54
193 Peoples Bank of the South La Follette Tenn. 2.29 1.87 147,291 16.43 55.15
194 Crowell State Bank Crowell Tex. 2.28 2.34 36,698 21.57 54.34
Farmers and Merchants State Bank of Appleton Appleton Minn. 2.28 1.95 47,056 16.83 45.89
First Farmers & Merchants Bank Cannon Falls Minn. 2.28 2.09 310,017 16.92 54.77
Florida Business Bank Melbourne Fla. 2.28 1.07 128,534 16.71 52.71
Home State Bank Royal Iowa 2.28 2.03 45,175 8.57 35.27
Oregon Community Bank Oregon Wis. 2.28 1.45 455,639 19.65 48.72
200 Elysian Bank Elysian Minn. 2.27 1.77 46,914 20.55 53.58

Note: Independent banks and thrifts operating as of Nov. 30, 2018 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.
© 2018 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)