© 2024 Arizent. All rights reserved.
Community banking

Community Banks with the Highest Returns on Average Equity

May 22, 2017, 1:55 p.m. EDT 1 Min Read

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

View Table
Printer Friendly Version
Community Banks with the Highest Returns on Average Equity
Rank Company City State Type of charter

Return on average equity

Total assets

Return on average assets

Efficiency ratio
1Q 2017 1Q 2016
1 State Bank of Texas Dallas Texas Commercial Bank 116.69% 46.91% $959,444 18.00% 10.59%
2 Bank of Montana Missoula Mont. Commercial Bank 96.73 51.57 71,827 10.12 26.02
3 Pinnacle Bank Orange City Fla. Commercial Bank 93.76 -38.58 96,680 1.90 63.96
4 Town & Country Bank Las Vegas Nev. Commercial Bank 86.56 11.86 162,388 11.06 18.30
5 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 86.32 17.59 332,007 3.47 84.63
6 Americana Community Bank Sleepy Eye Minn. Commercial Bank 76.71 1.80 107,515 4.95 43.64
7 Central Bank of Kansas City Kansas City Mo. Commercial Bank 49.54 14.91 149,560 9.05 40.75
8 Almena State Bank Almena Kan. Commercial Bank 48.99 8.01 88,099 3.80 44.46
9 US Metro Bank Garden Grove Calif. Commercial Bank 48.09 10.52 222,452 8.50 60.55
10 Security Bank and Trust Co. Paris Tenn. Commercial Bank 47.01 20.05 358,162 3.61 23.36
11 PrinsBank Prinsburg Minn. Commercial Bank 45.15 43.72 126,306 6.54 33.81
12 Millennium Bank Des Plaines Ill. Commercial Bank 43.20 18.63 77,830 4.91 43.32
13 Bank 7 Oklahoma City Okla. Commercial Bank 42.83 29.54 648,378 4.19 33.53
14 Community Bank of Raymore Raymore Mo. Commercial Bank 38.31 22.37 227,641 2.74 57.12
15 1st Equity Bank Northwest Buffalo Grove Ill. Commercial Bank 34.45 0.39 38,488 8.20 30.87
16 Haverford Trust Co. Radnor Pa. Commercial Bank 33.72 41.75 140,630 5.59 80.73
17 First Home Bank Seminole Fla. Commercial Bank 32.16 35.48 178,787 3.29 53.11
18 Benchmark Bank Plano Texas Commercial Bank 31.97 8.54 560,606 3.08 65.31
19 Peoples Bank & Trust Co. Ryan Okla. Commercial Bank 31.63 67.11 29,756 5.52 92.11
20 Metro Phoenix Bank Phoenix Ariz. Commercial Bank 30.96 6.28 152,214 3.48 37.22
21 Champion Bank Parker Colo. Commercial Bank 30.80 -0.48 54,191 4.85 56.63
22 First Utah Bank Salt Lake City Utah Commercial Bank 30.78 22.53 325,829 3.06 75.52
23 First Bank of Chandler Chandler Okla. Commercial Bank 30.56 30.68 90,459 3.57 37.24
24 Heritage State Bank Lawrenceville Ill. Commercial Bank 30.11 25.57 98,369 2.93 42.88
25 Charter Bank Corpus Christi Texas Commercial Bank 29.67 26.89 242,618 3.13 49.12
26 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 29.60 29.53 82,219 3.13 34.88
27 Civic Bank & Trust Nashville Tenn. Commercial Bank 29.36 2.17 174,115 3.87 69.16
28 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 28.46 31.49 377,159 2.74 50.06
29 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 28.40 29.27 229,011 2.37 48.65
30 Nebraska State Bank Oshkosh Neb. Commercial Bank 28.30 22.83 49,755 4.02 40.16
31 Security State Bank Sutherland Iowa Commercial Bank 28.26 28.98 119,653 2.71 34.72
32 Bank of Cordell Cordell Okla. Commercial Bank 28.03 30.58 44,312 2.34 49.81
33 Guaranty Bank & Trust Co. of Delhi Delhi La. Commercial Bank 27.81 28.09 220,153 2.37 52.85
34 First State Bank Boise City Okla. Commercial Bank 27.39 17.78 70,773 2.49 45.82
35 First American Bank Fort Dodge Iowa Commercial Bank 27.35 3.68 928,242 2.84 49.62
36 First National Bank of Fleming Fleming Colo. Commercial Bank 27.06 14.49 22,375 3.28 57.88
37 NOA Bank Duluth Ga. Commercial Bank 26.80 24.29 291,699 3.41 51.72
38 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 26.64 23.65 356,432 2.02 49.24
39 Finwise Bank Sandy Utah Commercial Bank 26.43 6.27 56,036 3.58 60.65
40 Chesapeake Bank & Trust Co. Chestertown Md. Commercial Bank 26.26 11.54 110,144 2.31 50.47
41 Peoples State Bank McDonald Kan. Commercial Bank 26.11 48.83 121,878 2.39 47.01
42 State Bank of Graymont Graymont Ill. Commercial Bank 26.01 6.12 211,834 2.68 68.88
43 State Bank of New Richland New Richland Minn. Commercial Bank 25.66 23.75 97,812 2.50 38.40
44 Luana Savings Bank Luana Iowa Commercial Bank 25.49 22.97 946,013 2.15 30.01
45 ACB Bank Cherokee Okla. Commercial Bank 25.44 26.82 118,348 2.13 42.59
46 Bank of Hydro Hydro Okla. Commercial Bank 25.41 29.47 119,362 2.61 44.47
47 National Bank of Andrews Andrews Texas Commercial Bank 25.35 24.64 172,558 2.89 54.45
48 Security State Bank Farwell Texas Commercial Bank 25.07 17.87 138,755 3.01 29.88
49 Five Star Bank Rocklin Calif. Commercial Bank 25.04 24.87 854,881 2.26 36.39
50 1st Equity Bank Skokie Ill. Commercial Bank 24.68 8.40 90,596 3.86 34.54
Commercial Bank Crawford Ga. Commercial Bank 24.68 24.97 146,777 2.48 44.70
52 Citizens State Bank Miles Texas Commercial Bank 24.64 31.98 118,378 2.30 48.17
53 Cross River Bank Teaneck N.J. Commercial Bank 24.62 24.22 651,744 3.48 37.17
54 FirstCity Bank of Commerce Palm Beach Gardens Fla. Commercial Bank 24.44 0.46 88,584 2.19 74.36
55 Farmers Exchange Bank Cherokee Okla. Commercial Bank 24.43 28.23 344,697 2.45 36.75
56 Prime Bank Edmond Okla. Commercial Bank 24.42 27.10 259,230 2.64 40.44
57 Lamar Bank and Trust Co. Lamar Mo. Commercial Bank 24.41 17.97 143,103 2.44 46.86
58 1st Bank & Trust Broken Bow Okla. Commercial Bank 24.34 27.72 139,570 2.31 47.89
59 Wallis State Bank Wallis Texas Commercial Bank 24.32 20.16 571,725 2.53 56.82
60 High Plains Bank Keyes Okla. Commercial Bank 24.24 24.10 84,675 2.58 38.92
Rock Canyon Bank Provo Utah Commercial Bank 24.24 18.98 330,590 2.43 54.17
62 Oklahoma State Bank Buffalo Okla. Commercial Bank 24.10 26.66 52,667 2.27 55.38
63 Tolleson Private Bank Dallas Texas Commercial Bank 24.05 20.24 627,922 1.71 51.27
64 First National Bank of Oklahoma Oklahoma City Okla. Commercial Bank 23.97 19.17 408,553 2.16 45.80
65 Waggoner National Bank of Vernon Vernon Texas Commercial Bank 23.79 21.52 281,044 2.99 43.53
66 Flagler Bank West Palm Beach Fla. Commercial Bank 23.72 20.13 231,061 2.17 47.74
67 Venture Bank Bloomington Minn. Commercial Bank 23.71 22.34 673,068 2.20 53.95
68 Peoples State Bank Summit S.D. Commercial Bank 23.60 21.80 66,795 2.62 40.36
69 Jonesburg State Bank Jonesburg Mo. Commercial Bank 23.35 20.10 79,567 1.78 59.02
70 Brannen Bank Inverness Fla. Commercial Bank 23.22 15.48 499,009 1.57 55.90
71 Morris State Bank Morris Okla. Commercial Bank 23.19 23.42 75,461 1.89 60.70
72 Liberty Bank Minnesota St. Cloud Minn. Commercial Bank 23.08 26.86 211,672 2.63 59.46
73 First Bank & Trust Co. Wagoner Okla. Commercial Bank 23.07 21.41 293,117 2.86 43.23
74 First Financial Bank El Dorado Ark. Commercial Bank 22.98 30.55 919,580 2.88 54.88
75 Bank of Cashton Cashton Wis. Commercial Bank 22.88 11.68 81,638 2.46 46.40
Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 22.88 25.73 56,938 2.66 42.81
Riverside Bank Sparkman Ark. Commercial Bank 22.88 25.74 58,686 2.02 58.25
78 AmeriState Bank Atoka Okla. Commercial Bank 22.84 17.12 242,734 2.06 62.66
79 Crowell State Bank Crowell Texas Commercial Bank 22.70 19.71 38,332 2.11 54.29
80 Community Bank Longview Texas Commercial Bank 22.67 24.05 222,283 2.16 41.81
81 Jefferson Bank Greenville Miss. Commercial Bank 22.62 14.25 133,490 3.60 30.89
82 Bank, The Oberlin Kan. Commercial Bank 22.60 22.86 331,765 2.60 31.72
83 First Bank Burkburnett Texas Commercial Bank 22.56 21.45 398,752 2.36 68.14
84 Community Bank Mankato Vernon Center Minn. Commercial Bank 22.43 21.34 269,066 1.80 56.04
85 State Bank of Bellingham Bellingham Minn. Commercial Bank 22.41 24.54 48,670 2.36 39.25
86 Bank of Okolona Okolona Miss. Commercial Bank 22.40 17.40 179,837 2.34 52.93
Tri Valley Bank Talmage Neb. Commercial Bank 22.40 20.84 43,108 1.89 39.73
88 First National Bank of Central Texas Waco Texas Commercial Bank 22.32 21.46 771,282 2.00 48.70
89 Sound Banking Co. Lakewood Wash. Commercial Bank 22.30 19.69 50,452 2.07 57.73
90 Bay State Savings Bank Worcester Mass. Savings Bank 22.29 3.65 392,491 2.01 81.61
Peoples Bank & Trust Pana Ill. Commercial Bank 22.29 18.31 392,066 2.06 46.91
92 Bank Northwest Hamilton Mo. Commercial Bank 22.25 22.87 125,785 1.81 54.04
93 Texas Bank Financial Weatherford Texas Commercial Bank 22.21 27.18 215,660 2.27 72.22
Ultima Bank Minnesota Winger Minn. Commercial Bank 22.21 28.36 163,977 2.16 54.79
95 Trust Bank Lenox Ga. Commercial Bank 22.18 17.72 38,624 1.95 68.59
96 Sherburne State Bank Becker Minn. Commercial Bank 22.14 18.20 98,335 1.92 56.68
97 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 22.13 24.05 78,284 1.44 66.74
98 Central National Bank Waco Texas Commercial Bank 22.06 20.54 820,732 1.83 47.60
99 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 21.87 26.06 156,400 2.35 43.54
Freedom Bank Huntingburg Ind. Commercial Bank 21.87 23.59 388,838 2.28 40.05
101 Citizens State Bank Marysville Kan. Commercial Bank 21.86 20.11 330,377 2.13 35.70
102 Bank of Morton Morton Miss. Commercial Bank 21.84 21.87 66,728 2.99 47.37
103 Premier Bank Rock Valley Iowa Commercial Bank 21.72 22.71 369,394 2.74 30.42
104 Grant County State Bank Swayzee Ind. Commercial Bank 21.67 20.22 159,419 2.23 36.72
105 Town and Country Bank Midwest Quincy Ill. Commercial Bank 21.65 19.10 177,899 2.32 47.33
106 New Century Bank Belleville Kan. Commercial Bank 21.62 34.40 43,702 2.25 63.73
107 St. Martin Bank and Trust Co. St. Martinville La. Commercial Bank 21.57 27.02 595,128 2.10 53.80
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 21.57 19.09 248,907 1.93 59.97
109 First State Bank Scottsbluff Neb. Commercial Bank 21.55 18.94 237,319 2.19 51.89
110 Security First National Bank of Hugo Hugo Okla. Commercial Bank 21.54 24.60 107,620 1.72 53.75
111 Bank of Geneva Geneva Ind. Commercial Bank 21.51 19.38 253,603 2.45 48.05
112 State Bank of Nauvoo Nauvoo Ill. Commercial Bank 21.50 14.35 30,273 1.86 60.47
113 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 21.48 19.72 538,349 1.93 57.84
114 Bank of Hemet Riverside Calif. Commercial Bank 21.45 21.50 677,530 2.04 44.82
115 Midwest Bank Detroit Lakes Minn. Commercial Bank 21.41 21.81 378,579 2.02 52.77
Morris Bank Dublin Ga. Commercial Bank 21.41 16.32 613,270 2.24 52.44
117 Murphy Bank Fresno Calif. Commercial Bank 21.27 21.58 240,540 2.41 46.86
118 Idabel National Bank Idabel Okla. Commercial Bank 21.24 16.92 122,053 1.77 49.06
119 Georgia Heritage Bank Dallas Ga. Commercial Bank 21.19 19.16 87,992 1.72 65.44
120 Commercial State Bank Palmer Texas Commercial Bank 21.12 17.37 75,343 1.75 64.23
Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 21.12 19.40 172,962 1.92 60.39
Horizon Bank, SSB Austin Texas Savings Bank 21.12 17.91 806,999 1.76 51.80
123 Cowboy Bank of Texas Maypearl Texas Commercial Bank 21.10 21.38 80,956 1.93 60.58
124 Auburn Banking Co. Auburn Ky. Commercial Bank 21.09 19.11 79,509 1.75 61.24
125 Coffee County Bank Manchester Tenn. Commercial Bank 21.08 20.75 170,411 2.46 45.98
126 FirstOak Bank Independence Kan. Commercial Bank 20.93 12.37 112,260 2.07 61.32
127 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.88 19.04 783,609 1.94 53.31
128 Wilson & Muir Bank & Trust Co. Bardstown Ky. Commercial Bank 20.84 18.68 495,464 1.68 59.48
129 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 20.73 22.82 173,130 1.91 59.54
130 First National Bank South Alma Ga. Commercial Bank 20.71 20.89 353,354 3.05 43.97
131 Community Bank Bristow Okla. Commercial Bank 20.70 18.14 85,520 1.60 53.16
132 Quail Creek Bank Oklahoma City Okla. Commercial Bank 20.68 20.70 606,245 2.20 48.26
133 Adrian Bank Adrian Mo. Commercial Bank 20.67 15.76 144,454 2.06 44.99
First State Bank Shallowater Texas Commercial Bank 20.67 15.53 112,134 2.90 43.39
135 Crestmark Bank Troy Mich. Commercial Bank 20.64 14.22 913,108 2.11 75.76
136 Commercial Capital Bank Delhi La. Commercial Bank 20.58 4.52 116,985 2.37 42.52
137 Mississippi River Bank Belle Chasse La. Commercial Bank 20.55 14.55 123,553 2.26 52.05
138 Main Bank Albuquerque N.M. Commercial Bank 20.54 15.98 125,967 1.91 49.84
139 Northwestern Bank Chippewa Falls Wis. Commercial Bank 20.46 24.05 430,129 2.17 45.23
140 NSB Bank Mason City Iowa Commercial Bank 20.45 22.66 208,657 1.91 45.98
141 Citizens Bank Amarillo Texas Commercial Bank 20.30 19.81 151,965 2.01 51.35
Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 20.30 18.74 213,092 1.61 53.72
Great Plains Bank Eureka S.D. Commercial Bank 20.30 16.10 99,363 2.45 39.60
144 Bank of Canton Canton Mass. Savings Bank 20.29 3.73 666,132 1.90 55.15
145 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 20.24 20.25 219,050 2.03 50.23
146 First State Bank Louise Texas Commercial Bank 20.22 17.09 371,877 1.82 61.22
147 Mid America Bank & Trust Co. Dixon Mo. Commercial Bank 20.21 19.23 157,099 4.22 39.76
148 First Bank Erick Okla. Commercial Bank 20.20 19.23 80,224 2.14 53.41
149 North Valley Bank Thornton Colo. Commercial Bank 20.12 19.16 146,399 2.46 54.87
150 Bank of Columbia Columbia Ky. Commercial Bank 20.09 17.08 132,262 2.00 56.55
151 Security State Bank of Marine Marine On St. Croix Minn. Commercial Bank 20.00 16.24 129,915 2.06 55.77
152 Alamosa State Bank Alamosa Colo. Commercial Bank 19.96 20.42 238,644 1.80 46.96
153 KodaBank Drayton N.D. Commercial Bank 19.86 22.23 142,028 2.23 44.08
154 First Security Bank of Roundup Roundup Mont. Commercial Bank 19.85 20.34 49,399 2.37 53.53
155 Douglas National Bank Douglas Ga. Commercial Bank 19.82 19.02 180,744 2.29 55.90
156 University Bank Ann Arbor Mich. Commercial Bank 19.81 -6.33 235,232 2.18 85.74
157 Peoples Bank Mendenhall Miss. Commercial Bank 19.79 22.04 288,069 1.82 64.17
158 Points West Community Bank Windsor Colo. Commercial Bank 19.77 21.78 240,528 1.94 49.41
159 Union State Bank of Fargo Fargo N.D. Commercial Bank 19.76 8.05 97,168 1.81 69.99
160 First Whitney Bank and Trust Atlantic Iowa Commercial Bank 19.75 19.94 206,121 2.12 31.96
FirstBank Antlers Okla. Commercial Bank 19.75 21.68 315,497 1.72 71.96
162 First Bank of Owasso Owasso Okla. Commercial Bank 19.73 20.43 292,793 2.44 49.21
163 Alva State Bank & Trust Co. Alva Okla. Commercial Bank 19.68 20.27 322,229 2.37 34.69
Bank of the West Thomas Okla. Commercial Bank 19.68 20.58 147,164 2.35 53.11
165 Clear Lake Bank and Trust Co. Clear Lake Iowa Commercial Bank 19.66 19.73 396,992 1.71 56.96
166 First National Bank Arcadia La. Commercial Bank 19.60 19.99 259,819 1.54 68.16
167 Village Bank St. Francis Minn. Commercial Bank 19.57 12.83 249,992 1.70 64.57
168 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 19.47 19.53 221,710 1.93 50.26
Central Bank and Trust Co. Hutchinson Kan. Commercial Bank 19.47 23.11 296,061 1.90 56.55
First National Bank of Las Animas Las Animas Colo. Commercial Bank 19.47 21.15 337,006 2.32 46.89
Pilot Grove Savings Bank Pilot Grove Iowa Commercial Bank 19.47 19.04 592,129 1.86 46.86
Rocky Mountain Bank Jackson Wyo. Commercial Bank 19.47 11.19 284,751 2.34 61.06
173 Peoples Bank Westville Okla. Commercial Bank 19.40 15.82 46,573 2.56 59.05
174 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 19.29 21.79 74,829 2.71 49.65
Phelps County Bank Rolla Mo. Commercial Bank 19.29 18.85 380,974 1.27 67.94
176 Bendena State Bank Bendena Kan. Commercial Bank 19.27 12.28 62,987 1.62 53.62
177 Farmers Bank and Trust Co. Blytheville Ark. Commercial Bank 19.24 22.26 478,288 1.84 55.82
Security National Bank of Enid Enid Okla. Commercial Bank 19.24 21.36 347,497 1.65 50.57
179 BOM Montgomery La. Commercial Bank 19.22 21.82 318,367 2.05 63.56
First State Bank of DeQueen De Queen Ark. Commercial Bank 19.22 17.15 226,225 1.66 59.22
181 Bank of Baker Baker Mont. Commercial Bank 19.21 19.06 143,337 1.86 47.77
182 HNB National Bank Hannibal Mo. Commercial Bank 19.18 16.72 476,892 2.26 52.22
183 Patriot Bank Tulsa Okla. Commercial Bank 19.16 14.40 319,977 2.10 40.61
184 Security Bank Tulsa Okla. Commercial Bank 19.15 20.07 536,442 2.31 35.26
185 Security Bank USA Bemidji Minn. Commercial Bank 19.13 20.21 139,193 1.71 60.75
186 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 19.11 19.10 84,698 2.09 54.09
187 CFG Community Bank Baltimore Md. Commercial Bank 19.10 18.17 690,141 2.74 57.63
188 Citizens State Bank of Hayfield Hayfield Minn. Commercial Bank 19.09 18.35 92,879 1.36 64.91
First Community Bank Milton Wis. Commercial Bank 19.09 15.18 103,152 1.71 57.31
190 First National Bank of Cokato Cokato Minn. Commercial Bank 19.07 11.74 54,306 1.51 66.30
191 Brunswick State Bank Brunswick Neb. Commercial Bank 19.05 21.72 103,597 1.86 51.39
192 Union Bank & Trust Co. Livingston Tenn. Commercial Bank 18.99 16.64 83,043 2.39 49.47
193 Bank of Mauston Mauston Wis. Commercial Bank 18.98 20.62 285,271 2.15 43.70
Intracoastal Bank Palm Coast Fla. Commercial Bank 18.98 16.29 298,407 1.69 51.65
195 First Bank of Berne Berne Ind. Commercial Bank 18.90 18.99 633,111 1.75 55.34
196 Central National Bank of Poteau Poteau Okla. Commercial Bank 18.83 20.97 239,846 1.89 56.66
197 State Bank of De Kalb De Kalb Texas Commercial Bank 18.80 19.56 203,260 2.26 55.52
198 Platte Valley Bank of Missouri Platte City Mo. Commercial Bank 18.78 18.32 541,065 1.66 66.24
199 Marion County State Bank Pella Iowa Commercial Bank 18.76 19.01 283,252 2.04 43.47
200 First Colony Bank of Florida Maitland Fla. Commercial Bank 18.66 16.00 200,245 1.87 51.32

Note: List includes independent banks 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. Thrifts are also excluded.
List includes independent banks that were operating as of May 19, 2017. Figures for prior periods are not adjusted for mergers and acquisitions.
© 2017 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)

Community banking