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Community banking

Community Banks with the Highest Returns on Average Equity

December 02, 2019, 11:15 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 Equity

Return on average equity

Total

 Return on  Efficiency
Rank Name City State Type of charter 3Q 2019 3Q 2018 assets average assets ratio
1 Calwest Bank Irvine Calif. Commercial Bank 102.50 7.07 $226,463 10.22 79.92
2 NBKC Bank Kansas City Mo. Commercial Bank 82.67 13.61 814,264 10.57 58.60
3 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 76.64 2.30 195,515 7.18 84.26
4 Magnolia Bank Magnolia Ky. Commercial Bank 65.78 18.54 320,976 6.65 77.15
5 Allied First Bank,sb Oswego Ill. Savings Bank 54.47 -3.73 103,594 6.46 88.60
6 FinWise Bank Murray Utah Commercial Bank 53.53 32.21 161,651 9.44 38.87
7 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 47.77 -1.52 46,777 5.84 42.88
8 First State Bank of Kiester Kiester Minn. Commercial Bank 45.27 -76.66 20,456 5.22 -35.46
9 Willamette Valley Bank Salem Ore. Commercial Bank 45.01 36.61 265,419 5.85 68.38
10 Farmers & Merchants Savings Bank Manchester Iowa Commercial Bank 43.03 16.29 599,427 5.54 30.33
11 Security State Bank Sutherland Iowa Commercial Bank 35.69 22.93 223,870 3.09 48.27
12 Central Bank of Kansas City Kansas City Mo. Commercial Bank 35.12 23.33 216,164 5.83 49.07
13 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 35.09 34.50 308,253 3.07 43.97
14 University Bank Ann Arbor Mich. Commercial Bank 35.00 19.66 383,187 3.30 85.44
15 Bank of England England Ark. Commercial Bank 34.90 15.95 471,085 4.42 87.75
16 Farmers and Merchants Bank Maysville Okla. Commercial Bank 34.71 23.50 19,018 2.96 53.84
17 Midwest Community Bank Freeport Ill. Commercial Bank 33.93 8.03 246,284 3.66 74.16
18 Citizens Bank Butler Mo. Commercial Bank 33.08 19.59 151,629 2.50 59.97
19 Northwest Bank & Trust Company Davenport Iowa Commercial Bank 32.71 18.99 160,196 3.45 53.83
20 Bank of Ontario Ontario Wis. Commercial Bank 32.62 19.30 50,312 3.87 50.25
21 Rocky Mountain Bank & Trust Florence Colo. Commercial Bank 32.48 -0.20 73,519 3.33 58.21
22 Bank of Prague Prague Neb. Commercial Bank 31.71 25.84 29,398 4.61 33.45
23 Tolleson Private Bank Dallas Tex. Commercial Bank 31.08 16.95 541,674 2.88 41.28
24 Bison State Bank Bison Kan. Commercial Bank 30.98 -1.78 14,216 3.11 75.79
25 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 30.59 32.14 417,951 3.62 40.76
26 Charter Bank Corpus Christi Tex. Commercial Bank 30.54 34.26 299,400 3.35 49.32
27 Charter West Bank West Point Neb. Commercial Bank 30.15 18.05 298,030 2.87 67.83
28 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 29.99 22.25 40,001 3.06 41.24
29 Brunswick State Bank Brunswick Neb. Commercial Bank 29.98 28.06 130,116 2.92 39.07
30 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 29.41 31.56 377,785 2.40 46.75
31 Brannen Bank Inverness Fla. Commercial Bank 29.33 30.12 539,982 1.96 53.45
32 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 29.17 26.44 97,016 3.52 15.38
33 Peoples Bank & Trust Company Owenton Ky. Commercial Bank 28.57 8.66 51,522 4.24 59.60
34 Texas Bank Financial Weatherford Tex. Commercial Bank 28.54 25.57 420,725 2.71 57.35
35 Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 28.42 22.80 218,059 3.57 76.86
36 Crockett National Bank San Antonio Tex. Commercial Bank 28.34 22.06 651,626 3.50 66.74
37 North American Banking Company Roseville Minn. Commercial Bank 28.33 25.14 596,735 2.68 45.54
38 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 28.11 27.72 319,183 2.78 49.47
39 New Frontier Bank Saint Charles Mo. Commercial Bank 28.10 0.93 97,483 2.74 56.33
40 Ericson State Bank Ericson Neb. Commercial Bank 28.01 23.33 113,021 2.15 35.92
41 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 27.80 27.85 379,290 2.86 52.93
42 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 27.75 34.48 275,108 2.30 57.28
43 Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 27.71 19.34 142,287 2.60 50.31
44 State Bank of Faribault Faribault Minn. Commercial Bank 27.67 12.17 208,898 3.11 55.37
45 Riverside Bank Sparkman Ark. Commercial Bank 27.61 26.59 60,238 2.43 53.08
46 Quantum National Bank Suwanee Ga. Commercial Bank 27.56 27.17 510,596 3.11 42.94
47 Lowry State Bank Lowry Minn. Commercial Bank 27.55 22.64 54,757 2.27 54.71
48 1st Bank & Trust Broken Bow Okla. Commercial Bank 27.45 27.33 156,919 3.18 44.67
49 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 27.39 26.99 550,083 2.30 48.53
50 Bank of Montana Missoula Mont. Commercial Bank 27.31 64.51 94,037 3.36 44.56
51 Douglas National Bank Douglas Ga. Commercial Bank 27.19 25.52 178,728 3.46 45.04
52 Tejas Bank Monahans Tex. Commercial Bank 27.09 27.17 183,590 3.01 37.96
53 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 27.05 27.78 228,012 2.63 41.62
54 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 27.01 29.40 88,410 2.27 51.70
55 Citizens Bank Amarillo Tex. Commercial Bank 26.87 21.60 170,333 2.85 44.27
56 Peoples Bank Mendenhall Miss. Commercial Bank 26.74 29.14 310,997 2.67 63.18
Englewood Bank & Trust Englewood Fla. Commercial Bank 26.74 29.76 303,523 2.66 47.90
58 Coleman County State Bank Coleman Tex. Commercial Bank 26.68 26.91 121,930 2.69 58.78
59 Delta Bank Vidalia La. Commercial Bank 26.59 25.54 308,839 2.20 55.69
60 First State Bank Louise Tex. Commercial Bank 26.58 42.60 499,645 2.53 50.53
61 First Bank Burkburnett Tex. Commercial Bank 26.25 20.21 469,037 2.95 65.09
62 21st Century Bank Loretto Minn. Commercial Bank 26.10 7.65 509,098 3.05 33.32
63 Sherburne State Bank Becker Minn. Commercial Bank 26.09 14.19 126,899 2.14 49.77
64 First National Bank of Hughes Springs Hughes Springs Tex. Commercial Bank 26.04 16.00 263,967 3.53 59.40
65 Oklahoma State Bank Buffalo Okla. Commercial Bank 25.73 25.53 53,138 2.82 50.50
66 North Valley Bank Thornton Colo. Commercial Bank 25.45 22.00 177,890 3.06 46.20
67 First State Bank of Golva Golva N.D. Commercial Bank 25.37 27.61 77,533 2.67 45.96
68 Bank of Hemet Riverside Calif. Commercial Bank 25.29 27.20 722,266 2.75 38.05
69 State Bank of New Richland New Richland Minn. Commercial Bank 25.24 29.58 115,893 2.40 39.70
70 Sound Banking Company Lakewood Wash. Commercial Bank 25.16 36.53 56,942 2.42 50.50
Phelps County Bank Rolla Mo. Commercial Bank 25.16 23.47 375,418 1.96 60.28
72 Grand Marais State Bank Grand Marais Minn. Commercial Bank 24.98 21.49 96,519 1.88 53.18
73 State Bank of Texas Dallas Tex. Commercial Bank 24.93 27.28 823,039 4.14 23.66
74 State Bank of Toledo Toledo Iowa Commercial Bank 24.90 16.16 114,211 2.33 55.48
75 Prime Alliance Bank Woods Cross Utah Commercial Bank 24.89 23.28 477,280 2.66 25.76
76 First National Bank of Anson Anson Tex. Commercial Bank 24.85 23.43 61,047 2.42 57.57
77 Florida Capital Bank, N.A. Jacksonville Fla. Commercial Bank 24.82 4.87 536,744 2.22 76.60
78 Farmers Bank and Trust Company Marion Ky. Commercial Bank 24.73 9.38 386,898 2.27 72.93
79 Citizens State Bank of Finley Finley N.D. Commercial Bank 24.71 14.06 132,666 3.30 48.49
80 First National Bank of Central Texas Waco Tex. Commercial Bank 24.69 25.50 856,007 2.44 45.27
81 Security First National Bank of Hugo Hugo Okla. Commercial Bank 24.67 31.26 112,881 2.39 51.01
82 American National Bank-Fox Cities Appleton Wis. Commercial Bank 24.52 15.81 300,632 3.38 51.52
Bank Northwest Hamilton Mo. Commercial Bank 24.52 34.86 159,941 2.44 42.92
84 Adrian State Bank Adrian Minn. Commercial Bank 24.50 17.51 50,484 2.36 46.95
85 Central National Bank Waco Tex. Commercial Bank 24.37 22.66 928,934 2.22 43.26
86 St. Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 24.36 23.33 95,206 2.53 33.63
87 BOM Bank Natchitoches La. Commercial Bank 24.34 22.22 476,958 2.38 57.81
88 Twin River Bank Lewiston Idaho Commercial Bank 24.30 18.74 103,007 2.12 55.14
89 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 24.22 21.31 851,578 2.09 53.22
90 First State Bank Boise City Okla. Commercial Bank 24.16 26.36 83,036 2.05 51.30
91 Peoples Bank Westville Okla. Commercial Bank 24.09 6.58 46,498 2.81 59.28
92 Ultima Bank Minnesota Winger Minn. Commercial Bank 23.99 24.72 189,245 2.48 49.40
93 Marion County State Bank Pella Iowa Commercial Bank 23.88 17.89 314,605 2.06 44.24
94 Bank of Denver Denver Colo. Commercial Bank 23.69 11.72 231,956 2.44 48.19
95 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 23.67 23.41 87,081 2.55 53.07
Bank of Western Oklahoma Elk City Okla. Commercial Bank 23.67 26.15 312,095 1.98 56.94
97 Jonesburg State Bank Jonesburg Mo. Commercial Bank 23.59 22.19 99,372 1.91 57.28
98 Bank Michigan Brooklyn Mich. Commercial Bank 23.53 1.65 103,454 2.29 98.65
99 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 23.48 22.83 225,848 3.18 44.10
100 NewFirst National Bank El Campo Tex. Commercial Bank 23.43 22.91 727,596 2.76 48.40
101 Community Bank Bristow Okla. Commercial Bank 23.42 26.82 88,152 2.21 50.07
102 Grundy Bank Morris Ill. Commercial Bank 23.38 22.29 277,932 2.50 50.04
103 Bank of Lake Mills Lake Mills Wis. Commercial Bank 23.37 19.22 228,056 2.92 50.23
104 Bank of Weston Weston Mo. Commercial Bank 23.31 15.60 147,742 1.99 60.38
105 Bank of Hydro Hydro Okla. Commercial Bank 23.30 23.67 121,032 2.72 48.38
106 First National Bank of Albany Albany Tex. Commercial Bank 23.29 22.13 603,524 2.66 38.40
North Shore Bank of Commerce Duluth Minn. Commercial Bank 23.29 21.43 288,143 2.05 71.12
Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 23.29 23.25 460,165 1.74 55.88
109 KodaBank Drayton N.D. Commercial Bank 23.25 21.96 148,920 3.13 33.35
110 State Bank Northwest Spokane Valley Wash. Commercial Bank 23.13 14.37 136,749 2.78 59.75
111 First State Bank & Trust Company Fremont Neb. Commercial Bank 23.02 19.86 254,761 2.23 57.17
112 Crown Bank Elizabeth N.J. Commercial Bank 22.94 11.76 522,778 4.70 34.59
113 Main Bank Albuquerque N.M. Commercial Bank 22.93 22.07 166,267 2.03 46.05
114 Valor Bank Edmond Okla. Commercial Bank 22.91 61.87 95,358 1.98 67.18
115 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 22.75 22.77 113,684 2.54 44.64
116 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 22.74 21.53 868,653 2.27 49.77
117 Home Bank and Trust Company Eureka Kan. Commercial Bank 22.72 18.17 105,375 1.84 65.50
118 Grant County State Bank Swayzee Ind. Commercial Bank 22.62 22.10 193,862 2.61 28.06
119 Bippus State Bank Huntington Ind. Commercial Bank 22.61 19.34 183,367 2.52 53.82
120 Citizens State Bank Miles Tex. Commercial Bank 22.59 27.48 155,224 2.16 46.57
First National Bank of Evant Evant Tex. Commercial Bank 22.59 20.76 99,564 2.09 60.85
122 National Bank of Andrews Andrews Tex. Commercial Bank 22.54 26.11 224,469 2.42 64.39
123 Community Bank Longview Tex. Commercial Bank 22.52 23.12 220,632 2.50 42.05
124 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 22.51 25.10 612,080 2.42 53.77
125 Bank of Mauston Mauston Wis. Commercial Bank 22.48 24.26 300,252 2.89 36.73
Welcome State Bank Welcome Minn. Commercial Bank 22.48 26.79 30,233 2.57 49.57
127 Flanagan State Bank Flanagan Ill. Commercial Bank 22.39 15.48 187,732 2.40 81.08
Benchmark Bank Plano Tex. Commercial Bank 22.39 14.56 713,189 2.01 73.43
129 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 22.38 24.98 281,617 2.11 52.59
130 First National Bank of Oklahoma Oklahoma City Okla. Commercial Bank 22.33 20.60 546,205 1.72 50.09
131 Idabel National Bank Idabel Okla. Commercial Bank 22.24 22.12 131,842 2.25 47.11
132 Wells Bank Platte City Mo. Commercial Bank 22.17 22.37 229,035 2.21 50.13
133 United Midwest Savings Bank, National Association De Graff Ohio Commercial Bank 22.15 23.30 281,455 2.19 62.72
134 Crowell State Bank Crowell Tex. Commercial Bank 22.14 21.57 37,284 2.48 51.64
New Century Bank Belleville Kan. Commercial Bank 22.14 25.19 59,729 2.12 64.61
Thomasville National Bank Thomasville Ga. Commercial Bank 22.14 22.80 953,903 2.10 44.98
137 Nebraska State Bank Oshkosh Neb. Commercial Bank 22.13 21.68 50,266 3.78 43.61
138 HNB National Bank Hannibal Mo. Commercial Bank 22.08 20.33 505,381 2.94 46.23
139 Gunnison Bank and Trust Company Gunnison Colo. Commercial Bank 22.07 19.01 123,699 1.96 55.39
140 Security Bank USA Bemidji Minn. Commercial Bank 22.06 22.17 161,047 2.04 61.30
141 Dundee Bank Omaha Neb. Commercial Bank 21.99 15.37 294,411 1.96 58.75
142 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 21.95 21.89 144,888 2.32 51.95
143 Brighton Bank Salt Lake City Utah Commercial Bank 21.93 20.85 208,671 2.83 49.23
Iowa Trust & Savings Bank Emmetsburg Iowa Commercial Bank 21.93 15.58 314,390 2.30 48.13
145 Wallis Bank Wallis Tex. Commercial Bank 21.91 31.19 779,720 2.65 54.17
146 First State Bank Elmore City Okla. Commercial Bank 21.86 14.31 14,444 3.02 88.45
Elysian Bank Elysian Minn. Commercial Bank 21.86 20.55 50,017 2.53 51.49
148 Sterling Bank Barron Wis. Commercial Bank 21.77 19.41 249,789 1.93 50.70
149 SSB Community Bank Strasburg Ohio Commercial Bank 21.75 13.56 103,516 1.65 62.98
150 Fidelity Bank West Des Moines Iowa Commercial Bank 21.74 -1.83 99,577 2.31 82.62
151 Platte Valley Bank of Missouri Platte City Mo. Commercial Bank 21.73 19.88 597,196 2.21 59.20
152 Citizens State Bank Marysville Kan. Commercial Bank 21.70 23.50 349,298 2.27 36.87
153 First Colony Bank of Florida Maitland Fla. Commercial Bank 21.63 21.77 231,463 2.15 43.61
Charlevoix State Bank Charlevoix Mich. Commercial Bank 21.63 23.71 205,267 1.98 63.86
155 Basile State Bank Basile La. Commercial Bank 21.57 17.01 56,632 2.47 57.97
156 Tri Valley Bank Talmage Neb. Commercial Bank 21.56 21.25 48,716 1.88 45.85
157 Midwest Bank Detroit Lakes Minn. Commercial Bank 21.55 28.38 508,777 2.03 41.35
158 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 21.50 24.32 213,684 1.92 59.06
159 Bank of George Las Vegas Nev. Commercial Bank 21.49 20.24 312,847 2.61 51.63
Central Bank and Trust Lander Wyo. Commercial Bank 21.49 8.05 153,297 2.14 56.66
161 Town and Country Bank Midwest Quincy Ill. Commercial Bank 21.46 21.85 188,276 2.39 48.79
162 First Bank of Owasso Owasso Okla. Commercial Bank 21.45 20.02 432,159 2.31 43.98
163 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 21.40 28.90 62,074 2.41 42.35
164 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 21.31 21.40 286,725 3.03 43.95
165 Farmers and Merchants Bank of Mound City, Kansas Mound City Kan. Commercial Bank 21.23 19.88 39,715 1.61 61.79
166 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 21.22 23.99 215,887 1.91 50.93
167 State Bank of De Kalb De Kalb Tex. Commercial Bank 21.21 18.79 260,023 2.23 58.55
168 Premier Bank Minnesota Farmington Minn. Commercial Bank 21.17 21.44 262,759 2.10 56.92
169 Quail Creek Bank, National Association Oklahoma City Okla. Commercial Bank 21.16 20.12 689,523 2.02 48.78
170 Cornerstone Bank Eureka Springs Ark. Commercial Bank 21.15 18.99 324,960 1.71 61.49
171 Ipava State Bank Ipava Ill. Commercial Bank 21.10 17.27 142,482 1.84 59.02
172 First State Bank Scottsbluff Neb. Commercial Bank 21.07 28.90 312,173 2.02 58.72
173 Woodford State Bank Monroe Wis. Commercial Bank 21.06 19.30 246,226 1.90 53.82
174 Middletown State Bank Middletown Ill. Commercial Bank 21.03 18.86 37,432 2.01 38.52
175 Chippewa Valley Bank Hayward Wis. Commercial Bank 20.93 17.02 446,795 1.77 54.31
176 FirstOak Bank Independence Kan. Commercial Bank 20.86 16.94 180,425 2.22 53.35
177 Freedom Bank Huntingburg Ind. Commercial Bank 20.84 22.00 440,159 2.18 43.71
178 United Community Bank Raceland La. Commercial Bank 20.80 2.30 534,113 2.99 49.74
179 Waukon State Bank Waukon Iowa Commercial Bank 20.74 15.54 296,094 2.58 36.70
180 Guaranty Bank and Trust Company Belzoni Miss. Commercial Bank 20.66 19.41 896,432 2.14 54.15
181 Ennis State Bank Ennis Tex. Commercial Bank 20.65 19.08 250,062 2.10 57.16
182 Pony Express Bank Liberty Mo. Commercial Bank 20.62 21.84 179,059 2.58 49.74
Colorado Bank and Trust Company of La Junta La Junta Colo. Commercial Bank 20.62 20.22 152,876 1.96 58.30
184 Crown Bank Edina Minn. Commercial Bank 20.59 4.43 215,423 2.35 60.11
185 Bank of Commerce Stilwell Okla. Commercial Bank 20.57 13.14 81,297 2.74 58.32
186 Community Bank Topeka Kan. Commercial Bank 20.56 13.16 102,320 2.05 51.55
187 PromiseOne Bank Duluth Ga. Commercial Bank 20.55 27.17 435,524 2.67 51.89
188 Coffee County Bank Manchester Tenn. Commercial Bank 20.48 23.20 198,100 2.39 47.35
189 First National Bank of Las Animas Las Animas Colo. Commercial Bank 20.39 21.35 382,229 2.57 45.88
190 Legacy Bank Altoona Iowa Commercial Bank 20.37 16.98 112,469 1.54 72.23
191 Intracoastal Bank Palm Coast Fla. Commercial Bank 20.36 22.65 338,735 1.86 51.23
192 First Security Bank Beaver Okla. Commercial Bank 20.34 23.75 114,910 2.08 36.41
193 Community First Bank Butler Mo. Commercial Bank 20.31 18.61 172,943 1.95 52.19
194 ACB Bank Cherokee Okla. Commercial Bank 20.29 19.07 129,988 2.16 41.30
195 HomeBank Texas Seagoville Tex. Commercial Bank 20.28 23.75 205,277 2.23 52.77
196 Millennium Bank Des Plaines Ill. Commercial Bank 20.26 44.30 144,864 2.24 57.68
197 F & C Bank Holden Mo. Commercial Bank 20.24 20.27 229,571 2.12 57.63
198 First National Bank of Waseca Waseca Minn. Commercial Bank 20.19 18.95 139,967 2.06 59.37
Great Plains National Bank Hollis Okla. Commercial Bank 20.19 20.47 809,932 2.04 72.13
200 Sabine State Bank and Trust Company Many La. Commercial Bank 20.18 16.88 956,806 2.04 63.64

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 Nov. 29, 2019. Figures for prior periods are not adjusted for mergers and acquisitions.
© 2019 American Banker
Source:

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

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