© 2024 Arizent. All rights reserved.
Community banking

Community Banks with the Highest Returns on Average Equity

December 03, 2018, 10:47 a.m. EST 1 Min Read

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

View Table
Printer Friendly Version
Community Banks with the Highest Returns on Average Equity

Return on average equity

 Total
assets		 Return on
average assets		 Efficiency
ratio
Rank Name City State Type of charter 3Q 2018 3Q 2017
1 Peoples Bank Eatonton Ga. Commercial Bank 90.93 1.68 $124,150 4.43 49.71
2 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 89.08 11.59 330,738 4.47 72.84
3 Bank of Montana Missoula Mont. Commercial Bank 64.51 56.39 86,495 7.68 33.23
4 Valor Bank Edmond Okla. Commercial Bank 61.87 18.87 81,083 5.53 41.45
5 Community Bank of Raymore Raymore Mo. Commercial Bank 60.73 30.04 245,788 4.94 42.77
6 Citizens Bank of Chatsworth Chatsworth Ill. Commercial Bank 54.21 -17.35 31,550 4.90 45.36
7 Millennium Bank Des Plaines Ill. Commercial Bank 44.30 22.46 114,310 5.10 50.56
8 Northern State Bank of Virginia Virginia Minn. Commercial Bank 43.94 13.25 70,212 3.96 29.95
9 Haverford Trust Company Radnor Pa. Commercial Bank 43.62 31.88 130,230 7.97 75.73
10 First State Bank Louise Tex. Commercial Bank 42.60 23.09 466,249 3.58 44.09
11 First Bank of the Lake Osage Beach Mo. Commercial Bank 41.21 5.03 78,693 4.07 44.64
12 Willamette Valley Bank Salem Ore. Commercial Bank 36.61 35.64 235,306 4.34 73.15
13 Sound Banking Company Lakewood Wash. Commercial Bank 36.53 30.68 53,937 3.46 42.13
14 Town & Country Bank Las Vegas Nev. Commercial Bank 36.51 22.35 162,607 4.41 49.84
15 Bank Northwest Hamilton Mo. Commercial Bank 34.86 24.31 159,801 2.93 53.31
16 North Alabama Bank Hazel Green Ala. Commercial Bank 34.64 8.19 102,804 4.73 39.51
17 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 34.50 32.36 270,488 3.06 44.00
18 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 34.48 26.14 243,880 2.89 52.09
19 Charter Bank Corpus Christi Tex. Commercial Bank 34.26 24.52 279,451 3.47 48.26
20 Bank 7 Oklahoma City Okla. Commercial Bank 33.92 34.67 750,425 3.73 36.23
21 First National Bank of Layton Layton Utah Commercial Bank 33.45 14.48 326,343 4.35 44.43
22 PrinsBank Prinsburg Minn. Commercial Bank 33.31 28.15 130,685 5.33 36.36
23 First Farmers & Merchants State Bank of Grand Meadow Grand Meadow Minn. Commercial Bank 32.93 11.49 65,757 3.66 40.86
24 FinWise Bank Sandy Utah Commercial Bank 32.21 28.57 101,706 5.50 52.31
25 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 32.14 29.04 393,879 3.33 44.53
26 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 31.56 26.84 353,575 2.30 47.20
27 Security First National Bank of Hugo Hugo Okla. Commercial Bank 31.26 18.38 113,789 2.99 52.29
28 Wallis State Bank Wallis Tex. Commercial Bank 31.19 25.66 682,886 3.49 47.49
29 Apex Bank Camden Tenn. Commercial Bank 30.68 21.76 559,968 3.67 36.25
30 Brannen Bank Inverness Fla. Commercial Bank 30.12 24.01 523,459 1.78 55.50
Gwinnett Community Bank Duluth Ga. Commercial Bank 30.12 8.88 240,022 0.81 79.52
32 Englewood Bank & Trust Englewood Fla. Commercial Bank 29.76 23.58 287,159 2.59 48.01
33 State Bank of New Richland New Richland Minn. Commercial Bank 29.58 29.30 107,545 2.93 28.57
34 Independence Bank East Greenwich R.I. Commercial Bank 29.52 -1.18 63,761 6.47 31.08
35 Sutton Bank Attica Ohio Commercial Bank 29.49 21.95 512,824 3.09 48.71
36 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 29.40 26.86 81,068 2.38 51.21
37 Peoples Bank Mendenhall Miss. Commercial Bank 29.14 24.60 294,423 2.74 62.31
38 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 28.90 25.99 54,057 3.65 35.23
First State Bank Scottsbluff Neb. Commercial Bank 28.90 24.08 231,987 3.18 45.70
40 Security National Bank of Enid Enid Okla. Commercial Bank 28.61 -4.42 321,821 2.54 43.47
41 Midwest Bank Detroit Lakes Minn. Commercial Bank 28.38 25.44 455,241 2.59 43.04
42 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 28.19 27.28 174,800 2.69 35.44
43 Brunswick State Bank Brunswick Neb. Commercial Bank 28.06 20.66 124,453 2.57 39.31
44 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 27.85 24.60 362,222 2.36 55.85
45 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 27.78 19.80 223,313 2.30 47.02
46 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 27.72 26.38 301,512 2.46 49.76
47 Valley State Bank Syracuse Kan. Commercial Bank 27.64 16.86 137,404 2.54 64.16
48 First State Bank of Golva Golva N.D. Commercial Bank 27.61 21.35 77,184 2.53 59.46
49 Citizens State Bank Miles Tex. Commercial Bank 27.48 26.35 140,390 2.70 41.29
50 1st Bank & Trust Broken Bow Okla. Commercial Bank 27.33 26.20 152,898 2.74 45.02
51 State Bank of Texas Dallas Tex. Commercial Bank 27.28 24.07 843,195 4.59 26.82
52 Bank of Hemet Riverside Calif. Commercial Bank 27.20 24.81 726,808 2.74 38.74
53 NOA Bank Duluth Ga. Commercial Bank 27.17 29.24 369,386 3.32 47.88
Quantum National Bank Suwanee Ga. Commercial Bank 27.17 14.96 470,887 3.17 43.22
Tejas Bank Monahans Tex. Commercial Bank 27.17 19.66 163,893 3.04 39.20
56 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 26.99 23.98 499,140 2.06 56.29
57 Coleman County State Bank Coleman Tex. Commercial Bank 26.91 9.86 109,640 2.71 56.63
58 Community Bank Bristow Okla. Commercial Bank 26.82 17.83 84,763 2.33 53.71
59 Welcome State Bank Welcome Minn. Commercial Bank 26.79 27.60 30,433 2.98 47.57
60 Riverside Bank Sparkman Ark. Commercial Bank 26.59 27.51 62,585 2.24 53.37
61 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 26.44 31.05 85,961 2.93 34.38
62 First State Bank Boise City Okla. Commercial Bank 26.36 17.63 81,186 2.12 50.22
63 Bank of Western Oklahoma Elk City Okla. Commercial Bank 26.15 17.51 271,357 2.24 54.98
64 National Bank of Andrews Andrews Tex. Commercial Bank 26.11 24.52 203,636 2.88 57.85
65 First Fidelity Bank Burke S.D. Commercial Bank 25.92 22.14 353,929 2.35 50.24
66 Bank of Prague Prague Neb. Commercial Bank 25.84 30.01 27,694 3.76 34.77
67 Southwest Bank Odessa Tex. Commercial Bank 25.68 18.12 410,527 2.20 63.33
68 Texas Bank Financial Weatherford Tex. Commercial Bank 25.57 24.71 324,909 2.43 62.82
69 Delta Bank Vidalia La. Commercial Bank 25.54 24.01 295,816 2.06 59.25
70 Oklahoma State Bank Buffalo Okla. Commercial Bank 25.53 22.58 54,202 2.66 52.28
71 Douglas National Bank Douglas Ga. Commercial Bank 25.52 23.90 177,911 3.11 49.45
72 First National Bank of Central Texas Waco Tex. Commercial Bank 25.50 22.66 881,869 2.26 45.02
73 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 25.27 23.88 174,064 2.39 53.94
74 New Century Bank Belleville Kan. Commercial Bank 25.19 36.23 49,728 2.84 60.06
75 First National Bank of Milaca Milaca Minn. Commercial Bank 25.17 14.28 210,530 2.85 51.04
76 North American Banking Company Roseville Minn. Commercial Bank 25.14 24.60 515,922 2.12 50.88
77 Bank of the Orient San Francisco Calif. Commercial Bank 25.12 6.93 836,464 2.76 41.36
78 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 25.10 22.16 552,253 2.45 53.71
79 Alamosa State Bank Alamosa Colo. Commercial Bank 24.99 20.38 249,103 2.31 41.10
80 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 24.98 13.71 264,263 2.49 51.69
81 Heartland State Bank Redfield S.D. Commercial Bank 24.94 16.76 87,874 3.04 47.66
82 First Missouri Bank Brookfield Mo. Commercial Bank 24.83 16.58 246,747 2.25 50.55
83 Ultima Bank Minnesota Winger Minn. Commercial Bank 24.72 24.23 180,958 2.51 50.41
84 First National Bank of Cokato Cokato Minn. Commercial Bank 24.62 18.63 64,117 1.89 56.26
85 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 24.32 14.85 204,566 1.84 59.38
Texas Heritage Bank Boerne Tex. Commercial Bank 24.32 -2.74 151,364 2.03 58.74
87 Bank of Mauston Mauston Wis. Commercial Bank 24.26 25.75 289,041 2.90 38.46
88 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 23.99 20.66 207,045 1.88 50.62
89 Home Bank of California San Diego Calif. Commercial Bank 23.88 20.45 163,939 3.50 34.31
90 Lead Bank Garden City Mo. Commercial Bank 23.82 17.50 257,512 2.24 65.24
91 Bank of Baker Baker Mont. Commercial Bank 23.81 22.89 134,313 2.68 39.60
92 Mississippi River Bank Belle Chasse La. Commercial Bank 23.79 19.70 118,319 2.84 50.31
93 Horizon Bank, SSB Austin Tex. Savings Bank 23.78 18.43 965,899 1.99 52.87
94 First Security Bank Beaver Okla. Commercial Bank 23.75 14.10 117,911 2.24 39.60
HomeBank Texas Seagoville Tex. Commercial Bank 23.75 16.79 192,472 2.38 50.94
96 Bank of Okolona Okolona Miss. Commercial Bank 23.74 13.65 192,647 2.42 52.26
97 Charlevoix State Bank Charlevoix Mich. Commercial Bank 23.71 19.56 200,513 2.04 61.69
98 Bank of Hydro Hydro Okla. Commercial Bank 23.67 26.73 124,342 2.57 49.78
99 Points West Community Bank Windsor Colo. Commercial Bank 23.58 20.05 251,481 2.37 47.81
100 Citizens State Bank Marysville Kan. Commercial Bank 23.50 22.60 350,940 2.22 37.13
Farmers and Merchants Bank Maysville Okla. Commercial Bank 23.50 23.81 19,305 1.90 64.34
102 Phelps County Bank Rolla Mo. Commercial Bank 23.47 22.13 348,022 1.45 66.78
103 Commercial Bank Crawford Ga. Commercial Bank 23.46 20.52 169,208 2.56 47.08
104 First National Bank of Anson Anson Tex. Commercial Bank 23.43 20.68 62,877 1.98 59.27
105 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 23.41 21.23 79,301 2.35 56.03
106 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 23.37 19.25 181,706 2.63 58.95
107 Central Bank of Kansas City Kansas City Mo. Commercial Bank 23.33 16.30 165,306 4.60 56.15
Ericson State Bank Ericson Neb. Commercial Bank 23.33 18.12 96,820 2.32 36.81
St. Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 23.33 21.51 89,404 2.87 26.49
110 United Midwest Savings Bank, National Association De Graff Ohio Commercial Bank 23.30 15.98 256,526 2.43 66.10
111 Prime Alliance Bank Woods Cross Utah Commercial Bank 23.28 22.74 387,722 2.38 28.50
112 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 23.25 20.84 421,076 1.67 53.04
113 Coffee County Bank Manchester Tenn. Commercial Bank 23.20 23.56 189,545 2.64 44.90
114 Community Bank Longview Tex. Commercial Bank 23.12 22.18 213,379 2.49 41.53
115 Village Bank Saint Francis Minn. Commercial Bank 23.02 22.01 297,372 1.79 63.50
116 Central National Bank of Poteau Poteau Okla. Commercial Bank 22.97 22.12 234,245 2.39 54.60
Grand Bank of Texas Dallas Tex. Commercial Bank 22.97 21.44 353,086 1.83 64.17
118 Security State Bank Sutherland Iowa Commercial Bank 22.93 26.48 138,251 2.35 35.57
119 NewFirst National Bank El Campo Tex. Commercial Bank 22.91 22.61 705,800 2.63 50.03
120 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 22.83 20.45 204,939 3.03 46.31
121 Thomasville National Bank Thomasville Ga. Commercial Bank 22.80 18.39 870,317 2.24 46.31
122 First State Bank Clute Tex. Commercial Bank 22.78 17.59 193,081 1.93 59.76
123 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 22.77 15.92 112,679 2.40 46.34
124 Madison Valley Bank Ennis Mont. Commercial Bank 22.76 14.01 168,893 1.65 59.67
125 Bank of Geneva Geneva Ind. Commercial Bank 22.70 18.51 290,069 2.44 49.60
126 Central National Bank Waco Tex. Commercial Bank 22.66 21.79 876,846 1.97 46.63
127 Intracoastal Bank Palm Coast Fla. Commercial Bank 22.65 19.66 327,578 1.83 52.02
128 Lowry State Bank Lowry Minn. Commercial Bank 22.64 22.96 50,720 2.31 47.21
129 First Bank Kansas Salina Kan. Commercial Bank 22.56 22.07 430,440 1.78 61.71
130 First National Bank of Nokomis Nokomis Ill. Commercial Bank 22.53 11.65 146,558 2.51 64.96
131 Grant County State Bank Carson N.D. Commercial Bank 22.47 20.90 34,002 2.89 45.78
132 Auburn Banking Company Auburn Ky. Commercial Bank 22.42 22.31 78,148 1.87 60.31
133 Wells Bank Platte City Mo. Commercial Bank 22.37 20.60 217,912 2.18 49.71
134 Trinity Bank Dothan Ala. Commercial Bank 22.35 12.31 150,118 2.13 58.45
135 Grundy Bank Morris Ill. Commercial Bank 22.29 19.86 313,208 2.41 50.17
136 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 22.25 22.91 37,755 2.30 52.44
137 BOM Bank Natchitoches La. Commercial Bank 22.22 25.11 421,552 2.24 61.72
138 Jonesburg State Bank Jonesburg Mo. Commercial Bank 22.19 22.01 94,919 1.64 62.88
Manhattan Bank Manhattan Mont. Commercial Bank 22.19 11.00 171,447 1.71 60.19
140 Security Bank USA Bemidji Minn. Commercial Bank 22.17 18.98 148,937 2.03 59.80
141 First National Bank of Albany Albany Tex. Commercial Bank 22.13 14.82 597,299 2.40 38.81
142 Idabel National Bank Idabel Okla. Commercial Bank 22.12 17.12 121,201 1.92 53.00
143 Grant County State Bank Swayzee Ind. Commercial Bank 22.10 20.28 177,744 2.42 31.97
144 Security State Bank Cheyenne Okla. Commercial Bank 22.09 15.70 171,443 3.16 36.30
145 Main Bank Albuquerque N.M. Commercial Bank 22.07 25.52 140,433 2.13 45.53
146 Crockett National Bank San Antonio Tex. Commercial Bank 22.06 26.41 648,846 2.67 74.81
FNB South Alma Ga. Commercial Bank 22.06 16.16 370,360 3.51 43.10
148 Freedom Bank Huntingburg Ind. Commercial Bank 22.00 21.82 415,514 2.31 43.48
North Valley Bank Thornton Colo. Commercial Bank 22.00 21.91 170,335 2.50 50.51
150 Star Bank Maple Lake Minn. Commercial Bank 21.97 22.14 276,529 2.14 58.16
151 KodaBank Drayton N.D. Commercial Bank 21.96 21.00 146,359 2.74 38.28
152 First National Bank of Picayune Picayune Miss. Commercial Bank 21.93 19.43 205,478 2.82 47.53
153 Bank of Texas Midland Tex. Commercial Bank 21.92 18.52 372,757 2.56 30.10
Clear Lake Bank and Trust Company Clear Lake Iowa Commercial Bank 21.92 20.26 404,774 1.87 53.96
Union Bank of Mena Mena Ark. Commercial Bank 21.92 19.59 261,880 2.26 54.39
156 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 21.89 20.87 143,896 2.14 53.67
157 Plumas Bank Quincy Calif. Commercial Bank 21.88 16.18 770,158 1.98 48.54
158 Town and Country Bank Midwest Quincy Ill. Commercial Bank 21.85 20.90 167,597 2.50 48.36
159 Pony Express Bank Liberty Mo. Commercial Bank 21.84 18.25 164,672 2.69 47.48
160 BankNorth Arthur N.D. Commercial Bank 21.82 14.57 404,729 2.23 57.56
161 Bank of Lake Village Lake Village Ark. Commercial Bank 21.80 3.70 71,808 2.24 51.97
162 First Security Bank of Roundup Roundup Mont. Commercial Bank 21.79 18.45 60,262 2.33 51.25
163 First Colony Bank of Florida Maitland Fla. Commercial Bank 21.77 17.88 204,918 2.20 46.54
164 Nebraska State Bank Oshkosh Neb. Commercial Bank 21.68 19.70 50,089 3.43 45.27
165 Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 21.65 19.37 188,767 1.91 60.20
166 Citizens Bank Amarillo Tex. Commercial Bank 21.60 21.00 160,944 2.19 49.92
167 Crowell State Bank Crowell Tex. Commercial Bank 21.57 22.77 36,698 2.28 54.34
168 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 21.53 20.27 826,789 1.97 54.31
169 Produce State Bank Hollandale Minn. Commercial Bank 21.52 13.77 63,688 2.04 46.39
170 Grand Marais State Bank Grand Marais Minn. Commercial Bank 21.49 23.85 90,028 1.50 56.62
171 First National Bank of Lawrence County at Walnut Ridge Walnut Ridge Ark. Commercial Bank 21.47 10.12 205,216 2.21 46.13
Home Savings Bank Salt Lake City Utah Commercial Bank 21.47 9.64 121,884 2.97 35.59
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 21.47 19.54 506,201 2.56 34.96
174 Liberty Capital Bank Addison Tex. Commercial Bank 21.45 12.28 241,944 2.18 48.21
175 Premier Bank Minnesota Farmington Minn. Commercial Bank 21.44 17.56 228,865 2.09 57.35
176 North Shore Bank of Commerce Duluth Minn. Commercial Bank 21.43 16.72 274,922 1.75 72.78
177 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 21.40 18.99 288,498 2.78 41.89
178 South Georgia Bank Glennville Ga. Commercial Bank 21.39 18.81 153,299 2.44 61.57
179 First National Bank of Las Animas Las Animas Colo. Commercial Bank 21.35 20.60 357,723 2.42 48.09
180 Prime Bank Edmond Okla. Commercial Bank 21.32 26.22 270,826 2.64 42.91
181 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 21.31 19.24 776,325 1.78 56.07
182 Old Fort Banking Company Old Fort Ohio Commercial Bank 21.29 16.01 533,786 1.53 58.21
183 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 21.28 22.38 72,297 3.24 44.36
184 First Bank of Berne Berne Ind. Commercial Bank 21.27 19.74 680,110 2.00 51.15
First National Bank of Floydada Floydada Tex. Commercial Bank 21.27 17.96 102,183 2.52 38.23
186 Lake Bank Two Harbors Minn. Commercial Bank 21.26 10.73 133,424 1.93 56.44
187 Tri Valley Bank Talmage Neb. Commercial Bank 21.25 23.27 46,319 1.85 41.81
188 Farmers Exchange Bank Cherokee Okla. Commercial Bank 21.24 19.29 309,851 2.72 49.28
189 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 21.23 19.93 223,699 2.05 51.50
Pioneer Bank Mapleton Minn. Commercial Bank 21.23 17.67 447,431 2.19 54.52
191 Bennington State Bank Salina Kan. Commercial Bank 21.20 17.91 682,447 2.24 35.66
192 First National Bank of Bastrop Bastrop Tex. Commercial Bank 21.18 17.86 560,964 2.07 53.65
193 Bank Forward Hannaford N.D. Commercial Bank 21.13 17.97 596,034 2.21 67.06
194 Peoples Savings Bank Elma Iowa Commercial Bank 21.11 19.34 76,669 2.30 45.54
195 Grandview Bank Grandview Tex. Commercial Bank 21.07 -9.56 208,294 1.76 50.10
196 Commercial Capital Bank Delhi La. Commercial Bank 21.06 21.50 169,972 2.77 47.53
First Whitney Bank and Trust Atlantic Iowa Commercial Bank 21.06 20.36 211,449 2.23 34.54
198 American State Bank Osceola Iowa Commercial Bank 21.05 19.03 211,847 1.88 53.60
199 Heritage Bank of Nevada Reno Nev. Commercial Bank 21.03 15.96 817,266 2.50 37.73
200 Bank of Perry County Lobelville Tenn. Commercial Bank 20.94 17.58 166,288 2.01 55.37

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. 30, 2018. Figures for prior periods are not adjusted for mergers and acquisitions.
© 2018 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)

Community banking