The Top 100 Most Profitable Small Community Banks

+++ Based on the return on average assets for 1995 (dollar amounts in thousands)

Return Return

On Avg. On Avg.

Rank Assets Assets

1995 1995 1994

1 First National Bank, Keystone, W.Va. 9.507 7.551

2 Fort Hood National Bank, Tex. (M) 4.967 4.647

3 Tri-State Bank & Trust, Haughton, La. 4.911 4.653

4 Guardian State Bank, Salt Lake City (O) 3.881 2.674

5 First Bank & Trust, New Orleans (O) 3.788 2.384

6 Brighton Bank, Salt Lake City (O) 3.67 3.406

7 Bent Tree National Bank, Dallas (O) 3.589 1.766

8 Benchmark Bank, Quinlan, Tex. (O) 3.015 2.637

9 Miami Valley Bank, Quincy, Ohio 2.95 2.665

10 First National Bank of Michigan, East Lansing ( 2.945 3.48

11 City Bank, Lynnwood, Wash. 2.904 2.329

12 Mountain Parks Bank West, Breckenridge, Colo. ( 2.881 2.876

13 Pioneer Trust Bank NA, Salem, Ore. (O) 2.869 3.24

14 First Bank of Marietta, Ohio (O) 2.725 2.381

15 Citizens First Bank, Rusk, Tex. 2.7 3.059

16 First Security Bank Missoula, Mont. (O) 2.699 2.547

17 First Coleman National Bank, Tex. (M) 2.69 2.981

18 United Security Bank, Spokane, Wash. (M) 2.679 1.821

19 Bank of Granite, Granite Falls, N.C. (O) 2.644 2.451

20 Pacific Continental Bank, Eugene, Ore. 2.64 2.861

21 First Bank of Eagle County, Eagle, Colo. (O) 2.634 2.76

22 First Bank & Trust Co. of Illinois, Palatine (O 2.622 2.621

23 Far West Bank, Provo, Utah (O) 2.619 2.308

24 Farmers Savings Bank, Spencer, Ohio 2.615 2.876

25 Bank of Dadeville, Ala. (M) 2.583 2.131

26 First National Bank, Henrietta, Tex. (M) 2.575 2.637

27 Wayne County Bank, Waynesboro, Tenn. (O) 2.56 2.314

28 Central Bank, Provo, Utah (O) 2.519 2.103

29 Royal Bank of Pennsylvania, King of Prussia (O) 2.515 2.751

30 Hinesville Bank, Hinesville, Ga. (O) 2.499 1.86

31 Security State Bank, Pearsall, Tex. (M) 2.498 2.25

32 Valley National Bank of Cortez, Colo. (O) 2.485 1.682

33 Citizens Bank, Carthage, Tenn. 2.484 2.385

34 First United Bank, Parker, Colo. (O) 2.47 2.085

35 First Texas Bank, Dallas (O) 2.466 1.881

36 Deposit Bank of Monroe County, Tompkinsville, K 2.454 2.099

37 West Des Moines State Bank, Iowa (O) 2.447 2.557

38 Founders Bank of Arizona, Scottsdale (M) 2.446 2.346

39 Northeast National Bank, Mesquite, Tex (O) 2.439 2.57

40 Groos Bank NA, San Antonio, Tex. (M) 2.428 2.02

41 West Carroll National Bank, Oak Grove, La. (O) 2.422 2.519

42 Bank of Alma, Wis. (M) 2.422 2.38

43 Barnes Banking Co., Kaysville, Utah (O) 2.392 2.524

44 Bank of the Pacific, Long Beach, Wash. 2.388 2.208

45 Mountain Parks Bank East, Evergreen, Colo. (M) 2.383 2.256

46 Westport Bank & Trust Co., Conn. (O) 2.382 1.644

47 Inwood National Bank, Dallas (O) 2.372 1.815

48 Sun Capital Bank, St. George, Utah (O) 2.366 2.273

49 Western National Bank, Odessa, Tex. (O) 2.365 2.185

50 MegaBank of Arapahoe, Englewood, Colo. (O) 2.362 2.508

51 Green Mountain Bank, Rutland, Vt. (M) 2.354 2.068

52 First National Bank, Wyoming, Del. 2.354 2.503

53 McDowell County National Bank, Welch, W.Va. 2.342 2.5

54 First State Bank & Trust Co., Mission, Tex. 2.326 2.189

55 First Bank & Trust Co., Broken Bow, Okla. (O) 2.323 2.144

56 Valley View State Bank, Overland Park, Kansas ( 2.32 0.335

57 North Community Bank, Chicago (M) 2.32 2.327

58 First National Bank of the Rockies, Meeker, Col 2.317 1.969

59 Stearns County National Bank, Albany, Minn. (M) 2.312 1.953

60 Peoples Bank, Mendenhall, Miss. 2.305 2.005

61 First State Bank, St Charles, Mo (O) 2.299 2.114

62 Oaks Bank & Trust Co., Dallas (O) 2.294 1.583

63 Clackamas County Bank, Sandy, Ore. (O) 2.289 1.908

64 Security First National Bank, Alexandria, La. ( 2.286 1.875

65 First National Bank of Holmes Cty., Lexington, 2.28 2.194

66 Farmers & Merchants Bank, Dublin, Ga. 2.277 2.239

67 Orange Bank, Tex. (O) 2.274 1.865

68 Bank of American Fork, Utah 2.274 2.027

69 Marion Trust & Banking Co., Jasper, Tenn. (M) 2.273 2.334

70 Riverside Bank, Minneapolis, Minn. (O) 2.273 2.053

71 Siuslaw Valley Bank, Florence, Ore. 2.271 1.837

72 First Southern National Bank, Lancaster, Ky. (M 2.268 2.089

73 Crescent Bank & Trust, New Orleans (O) 2.267 2.511

74 Bank of Coushatta, La. (O) 2.265 1.503

75 Farmers & Merchants State Bank, Pierz, Minn. (O 2.261 2.511

76 Fort Sill National Bank, Okla. (M) 2.259 1.854

77 Security Bank-Garland NA, Tex 2.258 1.868

78 Sun State Bank, Las Vegas (O) 2.257 2.166

79 Metro Bank, Pell City, Ala. 2.255 2.004

80 Planters Bank & Trust Co., Haynesville, La. (M) 2.253 1.31

81 First Bank, McComb, Miss. (O) 2.249 4.155

82 Bank of Astoria, Ore. 2.249 1.789

83 Bank of the Cascades, Bend, Ore. (O) 2.246 1.823

84 Planters & Merchants State Bank, Hearne, Tex. ( 2.236 2.209

85 Broadway Bank, Chicago 2.236 2.321

86 First Bank of Boaz, Ala.. (O) 2.233 1.835

87 Western Bank, Albuquerque, N.M. (O) 2.232 1.851

88 Commerce Bank of Aurora, Colo. (O) 2.223 2.046

89 Pikes Peak National Bank, Colorado Springs (O) 2.218 2.004

90 Peoples Bank of North Alabama, Cullman (O) 2.21 2.122

91 First Bank & Trust Co, Carnesville, Ga. (M) 2.208 2.091

92 Bank of Union, Union City, Okla. 2.198 1.407

93 Aurora National Bank, Colo. (M) 2.197 2.341

94 Bank of Gwinnett County, Lawrenceville, Ga. (O) 2.195 1.925

95 Jackson State Bank, Wy. (M) 2.193 2.095

96 Mississippi River Bank, Belle Chasse, La. 2.192 1.996

97 AmeriBank NA, Savannah, Ga. (M) 2.192 1.904

Mean values for all banks with assets between $ 1.23 1.17

part 2 of 3

Return Return Overhead Loans

On Avg. On Avg. as a % ofas a % ofTotal

Rank Equity Equity Assets Assets Assets

1995 1995 1994 1995 12/31/95 12/31/95

1 First National Ba 62.547 48.848 1.44 89.59 279,942

2 Fort Hood Nationa 63.575 60.117 20.97 13.68 74,749

3 Tri-State Bank & 15.783 17.015 3.35 26.06 55,467

4 Guardian State Ba 42.509 31.018 8.01 73 72,185

5 First Bank & Trus 31.732 19.971 5.93 40.74 61,464

6 Brighton Bank, Sa 27.778 28.791 4.28 55.34 98,100

7 Bent Tree Nationa 41.842 26.612 3.95 44.29 77,591

8 Benchmark Bank, Q 25.625 22.078 6.43 77.46 54,505

9 Miami Valley Bank 26.229 34.091 4.5 80.47 83,105

10 First National Ba 32.435 33.166 2.14 73.6 142,880

11 City Bank, Lynnwo 21.663 19.103 3.69 70.29 354,813

12 Mountain Parks Ba 34.979 38.311 3.38 56.71 156,674

13 Pioneer Trust Ban 16.387 19.874 2.37 37.24 131,909

14 First Bank of Mar 12.57 14.296 1.96 59.26 73,213

15 Citizens First Ba 17.232 21.651 1.54 47.86 260,909

16 First Security Ba 32.469 32.777 3.91 70.85 103,366

17 First Coleman Nat 27.103 30.563 2.87 54.86 52,793

18 United Security B 31.573 26.948 3.51 78.8 129,648

19 Bank of Granite, 17.068 16.752 2.14 66.31 454,941

20 Pacific Continent 23.305 26.355 4.83 72.32 123,661

21 First Bank of Eag 36.479 35.544 3.3 71.32 64,958

22 First Bank & Trus 26.679 23.37 2.06 68.3 203,787

23 Far West Bank, Pr 26.112 23.952 5.61 73.67 114,170

24 Farmers Savings B 10.058 11.446 1.58 50.66 91,213

25 Bank of Dadeville 27.52 24.36 3.21 72.77 58,376

26 First National Ba 23.209 24.605 2.56 44.22 66,776

27 Wayne County Bank 18.306 17.709 2.76 70.75 75,669

28 Central Bank, Pro 19.325 17.87 5.3 59.06 192,412

29 Royal Bank of Pen 12.224 12.008 3.34 58.12 341,400

30 Hinesville Bank, 22.716 20.726 4.26 54.45 131,430

31 Security State Ba 26.963 26.904 1.39 34.56 125,732

32 Valley National B 28.171 19.654 4 57.33 71,183

33 Citizens Bank, Ca 14.167 14.083 1.34 67.16 280,527

34 First United Bank 22.458 25.184 5.01 69.14 68,770

35 First Texas Bank, 20.737 18.2 3.6 39.98 134,901

36 Deposit Bank of M 29.544 22.547 2.49 71.97 73,892

37 West Des Moines S 23.611 23.796 1.83 70.12 470,536

38 Founders Bank of 28.531 28.83 6.3 55.21 85,898

39 Northeast Nationa 32.796 30.544 4.17 77.81 55,546

40 Groos Bank NA, Sa 27.096 27.275 3.75 59.64 255,459

41 West Carroll Nati 23.72 27.741 3.43 60.67 117,069

42 Bank of Alma, Wis 20.771 22.838 1.31 72 75,513

43 Barnes Banking Co 15.651 16.75 2.61 57.45 185,060

44 Bank of the Pacif 24.208 22.679 3.17 66.21 79,518

45 Mountain Parks Ba 23.771 25.472 3.91 63.62 167,654

46 Westport Bank & T 34.25 31.763 3.85 56.95 312,621

47 Inwood National B 30.494 21.682 4.06 68.48 199,105

48 Sun Capital Bank, 26.007 26.312 4.59 76.9 62,089

49 Western National 18.086 18.536 2.93 61.48 161,862

50 MegaBank of Arapa 25.698 33.8 4.75 68.78 100,175

51 Green Mountain Ba 23.916 22.776 5.05 68.69 234,311

52 First National Ba 11.307 12.942 2.79 59.63 91,329

53 McDowell County N 9.255 10.191 2.16 37.94 139,869

54 First State Bank 16.642 17.096 1.52 46.58 406,271

55 First Bank & Trus 28.643 27.251 3.31 68.66 54,413

56 Valley View State 21.429 3.664 1.71 51.33 437,431

57 North Community B 31.233 27.947 5.93 65.98 139,953

58 First National Ba 23.156 21.236 3.07 59.31 62,450

59 Stearns County Na 28.385 20.594 3.1 73.29 229,553

60 Peoples Bank, Men 18.05 16.904 2.79 72.86 93,509

61 First State Bank, 15.796 14.842 3.29 78.24 98,016

62 Oaks Bank & Trust 27.423 18.795 4.83 47.49 53,163

63 Clackamas County 22.604 20.235 4.58 72.56 102,690

64 Security First Na 26.834 27.11 3.97 42.95 189,863

65 First National Ba 16.579 16.659 2.76 59.28 94,476

66 Farmers & Merchan 14.448 14.218 2.02 60.73 225,478

67 Orange Bank, Tex 29.317 25.646 3.35 52.7 78,283

68 Bank of American 19.276 17.692 3.09 54.21 212,348

69 Marion Trust & Ba 27.879 28.342 5.13 62.55 66,869

70 Riverside Bank, M 28.627 26.331 3.67 65.92 184,430

71 Siuslaw Valley Ba 23.225 20.402 4.21 73.85 129,362

72 First Southern Na 31.525 29.192 2.79 60.17 62,900

73 Crescent Bank & T 31.572 36.293 5.81 82.06 128,292

74 Bank of Coushatta 22.324 16.594 2.82 31.11 50,670

75 Farmers & Merchan 20.865 23.302 2.36 59.97 71,457

76 Fort Sill Nationa 19.903 15.164 6.54 38.36 107,893

77 Security Bank-Gar 22.476 20.501 3.48 59.63 58,065

78 Sun State Bank, L 23.497 22.821 3.61 68.71 112,197

79 Metro Bank, Pell 29.435 28.926 1.94 57.58 75,942

80 Planters Bank & T 18.974 11.268 1.53 23.64 66,021

81 First Bank, McCom 22.983 50.992 3.05 55.19 151,209

82 Bank of Astoria, 22.555 17.82 3.45 56.2 72,376

83 Bank of the Casca 22.351 19.037 4.41 72.86 177,541

84 Planters & Mercha 14.129 15.253 2.34 47.37 86,446

85 Broadway Bank, Ch 17.128 18.4 3.33 72.21 100,117

86 First Bank of Boa 19.746 16.891 2.82 44.61 68,804

87 Western Bank, Alb 25.422 21.807 3.21 52.63 211,171

88 Commerce Bank of 20.15 21.763 4.2 37.27 61,642

89 Pikes Peak Nation 22.843 23.266 4.24 33.93 56,734

90 Peoples Bank of N 17.69 18.197 3.48 77.59 97,827

91 First Bank & Trus 18.654 18.555 2.35 66.42 62,755

92 Bank of Union, Un 13.684 9.268 1.97 38.24 51,142

93 Aurora National B 25.952 27.943 3.82 62.82 146,193

94 Bank of Gwinnett 22.448 17.682 2.88 64.29 159,678

95 Jackson State Ban 27.314 26.954 1.99 67.69 260,023

96 Mississippi River 26.541 23.232 5.02 66.51 54,664

97 AmeriBank NA, Sav 20.621 23.17 3.59 68.67 70,070

Mean values for a 13.02 12.55 3.52 57.9 162,861

part 3 of 3

3-Year Noncur. No. of

Asset Loans as a Net Net Full-time

Rank Gr. Rate % of asset Income Income Empl.

1995 1992-95 12/31/95 1995 1994 12/31/95

1 First National 162.1 0.89 20,817 10,084 42

2 Fort Hood Nati 7.2 0.8 3,702 3,456 144

3 Tri-State Bank -6.8 0.24 2,664 2,437 20

4 Guardian State 28.5 0.1 2,592 1,638 59

5 First Bank & T 12.5 1.3 2,320 1,475 44

6 Brighton Bank, 42.7 3,343 2,857 55

7 Bent Tree Nati 44.2 0.35 2,524 1,100 32

8 Benchmark Bank -30.4 1.25 1,587 1,282 40

9 Miami Valley B 94.1 0.25 2,324 2,261 60

10 First National 37.5 1.35 3,889 3,682 37

11 City Bank, Lyn 45.5 1.14 9,265 6,765 144

12 Mountain Parks 31.5 0.17 4,344 3,958 81

13 Pioneer Trust 4.6 3,747 4,318 53

14 First Bank of -9.6 3.06 2,040 2,012 21

15 Citizens First 41.3 0.28 6,018 6,192 46

16 First Security 80.1 0.24 2,520 2,004 62

17 First Coleman -7.3 1.04 1,422 1,612 24

18 United Securit 86.9 0.99 3,327 1,843 69

19 Bank of Granit 25.8 0.15 11,439 9,824 171

20 Pacific Contin 75.4 0.11 3,004 2,744 71

21 First Bank of 105.3 0.02 1,588 1,299 32

22 First Bank & T 120.5 0.46 4,201 3,003 30

23 Far West Bank, 50.1 0.03 2,858 2,192 117

24 Farmers Saving 20.9 0.4 2,270 2,403 17

25 Bank of Dadevi 16.1 0.08 1,475 1,165 36

26 First National 14.1 0.34 1,624 1,574 21

27 Wayne County B 16.5 0.36 1,866 1,570 39

28 Central Bank, 32.1 0.18 4,582 3,585 128

29 Royal Bank of 5.8 1.94 7,739 8,012 117

30 Hinesville Ban 21 0.38 3,247 2,545 103

31 Security State 4.6 0.09 3,245 3,047 31

32 Valley Nationa 21.5 0.12 1,635 1,019 42

33 Citizens Bank, 27.6 0.49 6,776 5,977 75

34 First United B 109.3 0.01 1,594 1,285 59

35 First Texas Ba 22.2 0.09 3,190 2,289 52

36 Deposit Bank o 8 1.93 1,784 1,513 35

37 West Des Moine 40.3 0.83 10,570 10,038 107

38 Founders Bank 94.8 0.07 1,746 1,371 68

39 Northeast Nati 138.8 0.87 1,192 892 30

40 Groos Bank NA, 8.3 0.5 6,047 4,928 144

41 West Carroll N 48.8 0.59 2,577 2,312 62

42 Bank of Alma, 25.5 0.09 1,736 1,556 18

43 Barnes Banking 38.8 0.14 4,114 3,850 80

44 Bank of the Pa 24 0.23 1,836 1,575 35

45 Mountain Parks 176.8 0.16 3,382 2,222 95

46 Westport Bank 24.3 0.69 6,956 4,502 119

47 Inwood Nationa 65.7 0.26 4,232 2,345 72

48 Sun Capital Ba 107.3 0.12 1,379 1,120 42

49 Western Nation 8.2 1.65 3,900 3,496 84

50 MegaBank of Ar 130.5 0.08 1,785 1,505 50

51 Green Mountain -5 0.82 5,358 4,614 109

52 First National 5.8 1.35 2,097 2,164 38

53 McDowell Count 7.2 1.81 3,109 3,362 49

54 First State Ba 7.1 2.31 9,502 8,927 101

55 First Bank & T 18.1 0.24 1,201 1,012 34

56 Valley View St -10.7 1.75 10,005 1,501 127

57 North Communit 12.2 1.69 3,131 3,004 112

58 First National 14.8 0.16 1,374 1,104 32

59 Stearns County 147.2 0.2 4,456 2,560 82

60 Peoples Bank, 8.2 1.78 2,174 1,832 42

61 First State Ba 2.9 0.73 2,215 2,033 42

62 Oaks Bank & Tr 40 0.03 1,139 696 28

63 Clackamas Coun 29.7 0.62 2,260 1,735 81

64 Security First 8.8 1.84 4,177 3,291 114

65 First National 6.6 0.64 2,162 2,069 42

66 Farmers & Merc 30 0.06 4,748 4,161 72

67 Orange Bank, 36.1 0.04 1,757 1,386 46

68 Bank of Americ 71.6 0.03 4,305 3,333 94

69 Marion Trust & 25.4 0.22 1,455 1,383 44

70 Riverside Bank 75.1 0.55 3,688 2,763 96

71 Siuslaw Valley 34.9 0.57 2,752 2,091 90

72 First Southern 10.7 1.1 1,376 1,195 27

73 Crescent Bank 420.6 2.13 2,439 1,744 79

74 Bank of Cousha 33.6 0.81 1,052 641 20

75 Farmers & Merc 34.4 0.62 1,409 1,401 28

76 Fort Sill Nati 17.4 0.17 2,341 1,796 135

77 Security Bank- 32.2 0.15 1,224 912 25

78 Sun State Bank 54.4 0.43 2,215 1,821 42

79 Metro Bank, Pe 83 0.15 1,550 1,159 30

80 Planters Bank 2.2 0.15 1,448 857 22

81 First Bank, Mc 12.9 0.17 3,317 5,888 89

82 Bank of Astori 21.7 0.59 1,568 1,119 44

83 Bank of the Ca 73 0.04 3,628 2,398 118

84 Planters & Mer 12.4 0.68 1,873 1,782 28

85 Broadway Bank, 46.4 2.01 2,033 1,800 36

86 First Bank of 19.2 0.05 1,455 1,100 30

87 Western Bank, 43.7 0.16 4,278 3,160 100

88 Commerce Bank 24.7 1,238 1,054 39

89 Pikes Peak Nat 38.1 0.01 1,170 967 45

90 Peoples Bank o 45.1 0.95 2,054 1,767 77

91 First Bank & T 12.8 0.32 1,347 1,213 19

92 Bank of Union, 23.8 3.82 1,061 633 23

93 Aurora Nationa 15.2 0.37 3,104 3,181 72

94 Bank of Gwinne 154.7 0.15 3,280 2,307 52

95 Jackson State 29.9 0.07 5,321 4,663 90

96 Mississippi Ri 35.7 0.08 1,084 811 42

97 AmeriBank NA, 40.4 0.05 1,455 1,096 32

Mean values fo 31 0.59 1,935 1,713 74.7

Pre-tax Pre-tax

Op. Inc.Op. Inc.

Rank Per EmplPer Empl

1995 1995 1994

1 First National Bank, Keystone, W.Va. 760 487

2 Fort Hood National Bank, Tex. (M) 38 84

3 Tri-State Bank & Trust, Haughton, La. 202 185

4 Guardian State Bank, Salt Lake City (O) 66 41

5 First Bank & Trust, New Orleans (O) 79 76

6 Brighton Bank, Salt Lake City (O) 93 87

7 Bent Tree National Bank, Dallas (O) 74 37

8 Benchmark Bank, Quinlan, Tex. (O) 57 64

9 Miami Valley Bank, Quincy, Ohio 59 43

10 First National Bank of Michigan, East Lansing 158 154

11 City Bank, Lynnwood, Wash. 97 72

12 Mountain Parks Bank West, Breckenridge, Colo. 86 82

13 Pioneer Trust Bank NA, Salem, Ore. (O) 101 122

14 First Bank of Marietta, Ohio (O) 145 169

15 Citizens First Bank, Rusk, Tex. 186 192

16 First Security Bank Missoula, Mont. (O) 67 54

17 First Coleman National Bank, Tex. (M) 88 91

18 United Security Bank, Spokane, Wash. (M) 64 42

19 Bank of Granite, Granite Falls, N.C. (O) 100 91

20 Pacific Continental Bank, Eugene, Ore. 66 63

21 First Bank of Eagle County, Eagle, Colo. (O) 78 79

22 First Bank & Trust Co. of Illinois, Palatine 221 137

23 Far West Bank, Provo, Utah (O) 38 32

24 Farmers Savings Bank, Spencer, Ohio 168 187

25 Bank of Dadeville, Ala. (M) 60 44

26 First National Bank, Henrietta, Tex. (M) 112 96

27 Wayne County Bank, Waynesboro, Tenn. (O) 67 61

28 Central Bank, Provo, Utah (O) 54 40

29 Royal Bank of Pennsylvania, King of Prussia ( 97 133

30 Hinesville Bank, Hinesville, Ga. (O) 51 37

31 Security State Bank, Pearsall, Tex. (M) 128 119

32 Valley National Bank of Cortez, Colo. (O) 57 46

33 Citizens Bank, Carthage, Tenn. 137 127

34 First United Bank, Parker, Colo. (O) 43 28

35 First Texas Bank, Dallas (O) 92 64

36 Deposit Bank of Monroe County, Tompkinsville, 76 67

37 West Des Moines State Bank, Iowa (O) 145 140

38 Founders Bank of Arizona, Scottsdale (M) 23 18

39 Northeast National Bank, Mesquite, Tex (O) 64 56

40 Groos Bank NA, San Antonio, Tex. (M) 50 26

41 West Carroll National Bank, Oak Grove, La. (O 61 53

42 Bank of Alma, Wis. (M) 152 144

43 Barnes Banking Co., Kaysville, Utah (O) 73 76

44 Bank of the Pacific, Long Beach, Wash. 71 60

45 Mountain Parks Bank East, Evergreen, Colo. (M 56 53

46 Westport Bank & Trust Co., Conn. (O) 50 26

47 Inwood National Bank, Dallas (O) 90 70

48 Sun Capital Bank, St. George, Utah (O) 51 41

49 Western National Bank, Odessa, Tex. (O) 69 73

50 MegaBank of Arapahoe, Englewood, Colo. (O) 58 59

51 Green Mountain Bank, Rutland, Vt. (M) 74 16

52 First National Bank, Wyoming, Del. 85 97

53 McDowell County National Bank, Welch, W.Va. 85 94

54 First State Bank & Trust Co., Mission, Tex. 131 134

55 First Bank & Trust Co., Broken Bow, Okla. (O) 55 51

56 Valley View State Bank, Overland Park, Kansas 88 31

57 North Community Bank, Chicago (M) 37 39

58 First National Bank of the Rockies, Meeker, C 63 59

59 Stearns County National Bank, Albany, Minn. ( 86 50

60 Peoples Bank, Mendenhall, Miss. 78 66

61 First State Bank, St Charles, Mo (O) 77 90

62 Oaks Bank & Trust Co., Dallas (O) 64 40

63 Clackamas County Bank, Sandy, Ore. (O) 41 33

64 Security First National Bank, Alexandria, La. 43 33

65 First National Bank of Holmes Cty., Lexington 70 64

66 Farmers & Merchants Bank, Dublin, Ga. 104 87

67 Orange Bank, Tex. (O) 56 42

68 Bank of American Fork, Utah 63 55

69 Marion Trust & Banking Co., Jasper, Tenn. (M) 48 48

70 Riverside Bank, Minneapolis, Minn. (O) 62 54

71 Siuslaw Valley Bank, Florence, Ore. 47 36

72 First Southern National Bank, Lancaster, Ky. 78 76

73 Crescent Bank & Trust, New Orleans (O) 48 48

74 Bank of Coushatta, La. (O) 56 41

75 Farmers & Merchants State Bank, Pierz, Minn. 71 87

76 Fort Sill National Bank, Okla. (M) 27 28

77 Security Bank-Garland NA, Tex 65 46

78 Sun State Bank, Las Vegas (O) 79 71

79 Metro Bank, Pell City, Ala. 66 57

80 Planters Bank & Trust Co., Haynesville, La. ( 66 36

81 First Bank, McComb, Miss. (O) 52 67

82 Bank of Astoria, Ore. 50 40

83 Bank of the Cascades, Bend, Ore. (O) 48 35

84 Planters & Merchants State Bank, Hearne, Tex. 95 88

85 Broadway Bank, Chicago 92 108

86 First Bank of Boaz, Ala.. (O) 62 50

87 Western Bank, Albuquerque, N.M. (O) 66 48

88 Commerce Bank of Aurora, Colo. (O) 46 35

89 Pikes Peak National Bank, Colorado Springs (O 40 41

90 Peoples Bank of North Alabama, Cullman (O) 40 40

91 First Bank & Trust Co, Carnesville, Ga. (M) 105 87

92 Bank of Union, Union City, Okla. 69 53

93 Aurora National Bank, Colo. (M) 63 64

94 Bank of Gwinnett County, Lawrenceville, Ga. ( 98 71

95 Jackson State Bank, Wy. (M) 88 84

96 Mississippi River Bank, Belle Chasse, La. 38 31

97 AmeriBank NA, Savannah, Ga. (M) 45 28

Mean values for all banks with assets between 42.1 37.3 ===

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