Rising Tide: The Top 200 Community Banks

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It's getting tougher to earn a spot in our annual ranking of publicly traded banks and thrifts with less than $2 billion of assets.

With the slowly recovering economy helping improve profitability, the return on equity that it takes to crack into the top 200 has been on the rise for a few years.

To make the list we published in 2013, banks had to post a three-year average ROE of 7.8% or higher. That is a marginal improvement over the cutoff for the 2012 list of 7.5%.

But the upward trajectory grew far more pronounced this year. Anything less than 8.66% meant falling short.

A total of 851 institutions fit the criteria for our ranking, including four that shrunk below $2 billion of assets during the year. Excluded are 40 others that did not meet our capital adequacy requirement.

The top performers listed here are doing significantly better as a group than the 851 as a whole. They posted a median ROE of 10.44% for 2013 (versus 5.70% for the entire peer group) and a median ROA of 1.05% (versus 0.67%).

Some did not necessarily have spectacular results for the year, but they did well enough across three years to rise above their peers.

Size continued to be an apparent differentiator for performance in general. The median asset size for the top 200 this year is $602.7 million, up from last year's $600.3 million. The median for the larger peer group is $377.7 million, up from $377.1 million.

Of the 33 states with banks that made the ranking, California showed the greatest improvement. It had 25 top banks this year, up from 18 last year.

Top 200 Community Banks and Thrifts as Ranked by 3-Year Average ROE
RankInstitutionLocationTotal
Assets
($000)
Market
Value
($M)
3-YR
ROAE
Avg. (%)
 
ROE
(%)
 
ROAA
(%)
Net
Interest
Margin (%)
Net
Income
($000)
Total
Noninterest
Income ($000)
 
Efficiency
Ratio (%)
Total
Risk-Based
Capital
1 BNCCORP (BNCC) Bismarck, ND 843,123 44.9 24.3 12.24 1.07 2.65 8,627 26,983 73.36 23.15
2 Berkshire Bancorp (BERK) New York, NY 773,044 104.5 18.86 -1.89 -0.32 2.73 -2,517 1,053 77.79 34.02
3 Clarkston Financial Corp. (CKFC) Waterford, MI 128,256 14.3 18.07 86.57 4.41 4.27 5,502 906 86.31 10.96
4 First General Bank (FGEB) Rowland Heights, CA 519,558 NA 17.76 16.33 1.76 4.54 9,083 1,987 34.58 15.73
5 Open Bank (OPBK) Los Angeles, CA 343,473 57.1 17.59 17.82 1.99 4.53 4,953 6,667 72.15 10.17
6 Carolina Financial Corp. (CARO) Charleston, SC 881,322 81.9 17.1 22.22 1.89 3.4 16,818 43,044 62.02 16.82
7 Citizens Financial Services (CZFS) Mansfield, PA 914,934 169.1 16.74 14.89 1.51 3.87 13,375 6,828 49.95 17.75
8 Choice Bancorp (CBKW) Oshkosh, WI 212,843 16.9 16.61 8.36 0.87 3.89 1,683 555 58.22 14.35
9 Macatawa Bank Corp. (MCBC) Holland, MI 1,517,405 172 16.19 7.11 0.63 3.04 9,549 16,021 80.33 15.69
10 Access National Corp. (ANCX) Reston, VA 847,182 169.1 16.16 14 1.55 3.85 13,207 28,150 64.99 13.3
11 Mercantile Bank Corp. (MBWM) Grand Rapids, MI 1,426,966 179.3 15.94 11.36 1.22 3.73 17,033 6,872 67.03 15.91
12 Greer Bancshares (GRBS) Greer, SC 358,895 12.4 15.8 36.68 2.48 3.02 8,961 2,598 69.66 17.66
13 First Farmers Financial Corp. (FFMR) Converse, IN 1,228,587 NA 15.7 16.79 1.35 4.06 15,817 11,049 51.73 11.92
14 Birmingham Bloomfield Bancshares (BBBI) Birmingham, MI 188,679 10.9 15.3 7.13 0.74 4.4 1,254 862 73.13 10.89
15 Fentura Financial (FETM) Fenton, MI 335,225 23.4 15.11 46.22 2.68 4.16 8,485 5,583 79.68 12.58
16 Lyons Bancorp (LYBC) Lyons, NY 733,000 57 14.86 15.21 1.01 3.35 7,100 6,135 64.78 12.71
17 Union Bankshares (UNB) Morrisville, VT 584,922 105.7 14.78 15.52 1.25 4.08 7,135 8,501 68.83 13.28
18 Penns Woods Bancorp (PWOD) Williamsport, PA 1,211,995 230.3 14.77 12.36 1.32 4.13 14,084 9,625 57.05 13.16
19 C&F Financial Corp. (CFFI) West Point, VA 1,312,297 112.3 14.65 13.39 1.35 7.44 14,402 21,726 58.07 14.8
20 Hingham Institution for Savings (HIFS) Hingham, MA 1,356,441 165.8 14.64 13.52 1.07 3.19 13,371 1,678 42.8 13.83
21 Minster Financial Corp. (MTFC) Minster, OH 377,079 46.2 14.58 13.84 1.17 3.35 4,316 3,743 57.04 14.81
22 Pacific City Financial Corp. (PFCFD) Los Angeles, CA 755,910 100.5 14.57 29.37 3.14 4.07 21,383 11,323 56.15 14.81
23 Somerset Trust Holding Co. (SOME) Somerset, PA 823,969 88.8 14.56 14.75 1.25 4.44 10,096 11,646 68.16 13.57
24 Muncy Bank Financial (MYBF) Muncy, PA 353,362 60.1 14.51 13.03 1.34 4.13 4,601 1,549 54.66 14.76
25 1st Summit Bancorp (FSMK) Johnstown, PA 865,724 94.4 14.32 14.26 1.07 3.3 9,060 4,158 54.72 16.02
26 Cass Information Systems (CASS) Saint Louis, MO 1,326,020 587.2 14.15 13.39 1.74 3.63 23,497 72,548 72.02 22.27
27 Royal Financial (RYFL) Chicago, IL 120,661 19.7 14.11 40.66 7.27 4.4 8,048 371 81.4 27.77
28 Chesapeake Financial Shares (CPKF) Kilmarnock, VA 662,992 58.9 14.07 12.02 1.11 4.01 7,353 16,059 75.68 15.48
29 Baker Boyer Bancorp (BBBK) Walla Walla, WA 552,812 94.5 14.04 13.38 1.14 3.41 6,234 11,745 71.41 15.29
30 West Milton Bancorp (WMBC) West Milton, PA 342,286 48.2 14 13.73 1.45 3.79 4,721 1,600 49.47 16.03
31 Pinnacle Bank (PBNK) Gilroy, CA 189,728 18.4 14 37.47 3.63 4.44 6,450 854 82.47 11.47
32 Thomasville Bancshares (THVB) Thomasville, GA 592,201 87.5 13.81 14.84 1.37 3.64 7,275 6,840 48.58 12
33 Merchants Bancshares (MBVT) South Burlington, VT 1,725,469 189.3 13.48 12.97 0.9 3.15 15,131 10,910 65.46 16.12
34 Malaga Financial Corp. (MLGF)* Palos Verdes Estates, CA 887,000 128.3 13.48 12.25 1.34 3.65 11,494 618 34.49 23.1
35 Monarch Financial Holdings (MNRK) Chesapeake, VA 1,016,701 128.8 13.48 13.11 1.17 4.13 12,147 69,824 82.65 13.91
36 Cambridge Bancorp (CATC) Cambridge, MA 1,533,710 174.4 13.43 13.63 0.99 3.35 14,140 22,060 68.29 13.38
37 Pacific Valley Bank (PVBK) Salinas, CA 212,243 37.4 13.42 24.51 2.9 4.25 5,555 433 78.08 15.64
38 New Tripoli Bancorp (NTBP) New Tripoli, PA 358,568 56.8 13.4 12.23 1.45 4.14 5,001 616 45.81 20.77
39 American Bank (AMBK) Allentown, PA 528,497 47.9 13.35 11.27 0.82 2.63 4,260 872 50.93 13.39
40 First Business Financial Services (FBIZ) Madison, WI 1,268,655 183.2 13.27 13.12 1.1 3.54 13,746 8,442 59.95 13.16
41 Trinity Bank, N.A. (TYBT) Fort Worth, TX 181,932 41.9 13.05 13.61 1.58 3.4 2,862 493 41.9 17.26
42 Canandaigua National Corp. (CNND) Canandaigua, NY 1,963,014 251.7 12.95 12.98 1.02 3.85 19,422 36,566 66.32 13.15
43 Benchmark Bankshares (BMBN) Kenbridge, VA 463,871 59.3 12.92 12.6 1.38 4.86 6,231 3,825 62.7 17.39
44 Citizens & Northern Corp. (CZNC) Wellsboro, PA 1,237,695 245.1 12.82 10.25 1.5 4.05 18,594 16,451 54.7 26.6
45 Seacoast Commerce Bank (SCCB) San Diego, CA 340,173 50.2 12.79 3.99 0.39 5.03 1,002 5,822 82.83 15.49
46 Commercial National Financial (CNAF) Latrobe, PA 394,334 59.4 12.76 11.13 1.44 3.96 5,392 2,793 70.52 22.86
47 BEO Bancorp (BEOB) Heppner, OR 299,200 27.3 12.72 12.8 0.95 5.43 2,763 1,784 64.6 13.41
48 American Business Bank (AMBZ) Los Angeles, CA 1,342,125 151.6 12.68 13.48 1.02 3.05 13,493 980 62.12 17.28
49 QNB Corp. (QNBC) Quakertown, PA 932,883 91.3 12.67 10.95 0.91 2.87 8,392 4,989 66.23 14.01
50 Sierra Vista Bank (SVBA) Folsom, CA 101,748 13.6 12.56 41.44 5.24 5.04 4,690 462 82.22 21.24
51 Home Loan Financial Corp. (HLFN) Coshocton, OH 166,309 25 12.53 13.28 1.72 5.24 2,835 1,145 49.93 17.69
52 First Community Financial Corp. (FMFP) Mifflintown, PA 425,644 56.5 12.47 10 0.92 3.5 3,894 3,008 65.2 18.8
53 First Citizens Bancshares (FIZN) Dyersburg, TN 1,175,677 158.7 12.36 12.28 1.19 3.75 13,808 12,774 63.32 17.58
54 West Bancorp. (WTBA) West Des Moines, IA 1,442,404 233.7 12.27 13.22 1.17 3.48 16,891 8,503 52.55 13.94
55 National Bankshares (NKSH) Blacksburg, VA 1,110,630 252.6 12.27 11.9 1.63 4.25 17,790 8,777 43.44 23.6
56 Horizon Bancorp (HBNC) Michigan City, IN 1,758,276 190.1 12.22 12.11 1.13 3.8 19,876 25,416 66.32 16.33
57 Alerus Financial Corp. (ALRS) Grand Forks, ND 1,380,735 248.7 12.18 13.34 1.55 3.95 20,270 79,338 71.04 14.3
58 Centerpointe Community Bank (CENP) Hood River, OR 111,638 8.2 12.17 6.14 0.59 4.14 596 334 81.6 15.08
59 Embassy Bancorp (EMYB) Bethlehem, PA 670,930 57.9 12.12 10.15 0.85 3.6 5,523 1,951 63.06 12.47
60 Southern Missouri Bancorp (SMBC) Poplar Bluff, MO 950,211 118.6 12.05 9.88 1.22 3.84 10,078 5,223 52.74 16.84
61 Bridge Bancorp (BDGE) Bridgehampton, NY 1,896,746 305.8 12.02 9.89 0.77 3.21 13,093 8,232 61.71 16.3
62 T Bancshares (TBNC) Dallas, TX 145,207 20.4 11.94 27.34 3.75 5.03 4,796 13,179 76.32 17.57
63 Middlefield Banc Corp. (MBCN) Middlefield, OH 647,090 55.1 11.79 13.17 1.06 3.85 7,028 3,134 59.37 14.06
64 Cashmere Valley Bank (CSHX) Cashmere, WA 1,283,278 136.7 11.77 11.61 1.15 3.03 14,228 10,098 54.66 16.71
65 Tri-County Financial Group (TYFG) Mendota, IL 922,419 37.8 11.76 1.62 0.14 3.64 1,320 40,171 93.76 12.93
66 Greene County Bancorp (GCBC) Catskill, NY 652,694 108.2 11.65 11.39 1.01 3.4 6,417 5,086 59.7 18.69
67 Pacific Premier Bancorp (PPBI) Irvine, CA 1,714,187 276.6 11.62 5.61 0.62 4.15 8,993 7,553 64.17 13.17
68 Meta Financial Group (CASH)* Sioux Falls, SD 1,806,959 262.9 11.62 9.96 0.81 2.49 14,295 54,654 77.32 22.86
69 Security National Corp. (SNLC) Dakota Dunes, SD 1,218,571 156.1 11.58 10.63 1.02 2.85 12,271 18,879 62.23 17.18
70 MBT Financial Corp. (MBTF) Monroe, MI 1,223,322 104.6 11.56 28.78 2.12 3.03 25,537 15,507 75.21 14.55
71 Center Bancorp (CNBC) Union, NJ 1,673,082 308.2 11.5 12.07 1.22 3.3 19,925 4,847 46.88 12.9
72 HMN Financial (HMNF) Rochester, MN 648,622 44.5 11.41 42.22 4.55 3.44 26,670 7,312 86.21 20.78
73 ConnectOne Bancorp (CNOB) Englewood Cliffs, NJ 1,243,228 247.6 11.4 8.96 0.96 3.87 10,270 1,202 49.12 12.91
74 Steuben Trust Corp. (SBHO) Hornell, NY 439,026 49.9 11.38 11.34 1.12 4.02 4,746 4,689 62.3 17.88
75 Southeastern Bank Financial (SBFC) Augusta, GA 1,689,326 144.3 11.24 12.09 0.97 3.35 16,346 19,242 55.14 15.44
76 Commonwealth Business Bank (CWBB) Los Angeles, CA 570,155 86.2 11.22 15.41 1.85 3.86 9,264 9,740 49.77 14.81
77 Tower Financial Corp. (TOFC) Fort Wayne, IN 690,553 112.2 11.19 12.94 1.18 3.26 8,111 8,949 71.06 16.38
78 Bank of Utica (BKUT) Utica, NY 951,530 119 11.19 10.98 1.62 2.33 15,083 2,617 28.26 20.28
79 FPB Financial Corp. (FPBF) Hammond, LA 206,016 19.2 11.11 10.72 0.99 4.8 1,989 2,327 71.75 18.13
80 Bank of Marin Bancorp (BMRC) Novato, CA 1,805,194 266.1 11.08 8.86 0.96 4.26 14,270 7,839 59.25 13.21
81 Woodlands Financial Services (WDFN) Williamsport, PA 332,152 32.8 11.06 9.46 0.81 3.46 2,625 3,006 69.59 13.27
82 Bank of South Carolina Corp. (BKSC) Charleston, SC 340,894 66.1 11.06 11.72 1.23 3.79 4,077 2,496 58.78 14.67
83 Farmers and Merchants Bank (FMFG) Upperco, MD 300,000 29 10.99 11.46 1.16 4.57 3,261 1,482 61.94 12.89
84 Northumberland Bancorp (NUBC) Northumberland, PA 476,023 44.1 10.87 10 0.88 2.82 4,198 3,747 62.28 20.57
85 Bank of Kentucky Financial Corp. (BKYF) Crestview Hills, KY 1,857,492 288.1 10.85 11.39 1.1 3.44 19,765 24,272 57.77 13.37
86 Heartland BancCorp (HLAN) Gahanna, OH 580,384 57.3 10.84 9.54 0.91 4.1 5,216 3,647 65 14.7
87 Honat Bancorp (HONT) Honesdale, PA 582,717 107.7 10.76 9.69 1.29 3.95 7,434 5,129 54.81 19.19
88 Virginia Heritage Bank (VGBK) Vienna, VA 894,841 119.1 10.76 10.79 1.1 3.56 9,000 10,119 62.51 14.86
89 Mifflinburg Bancorp (MIFF) Mifflinburg, PA 349,150 24.8 10.75 10.94 1.14 3.44 3,818 2,178 56.32 16.1
90 First Robinson Financial Corp. (FRFC) Robinson, IL 264,291 17.7 10.74 9.74 0.88 3.44 2,047 2,728 64.8 14.74
91 Commercial National Financial (CEFC) Ithaca, MI 367,262 26 10.73 11.68 0.67 3.31 2,497 1,594 67.05 15.56
92 F.S. Bancorp (FXLG) Lagrange, IN 526,666 52.5 10.72 11.14 1.07 4.12 5,384 4,886 65.84 14.47
93 Columbus Community Bank (CCBK) Columbus, GA 122,816 NA 10.72 16.41 1.76 3.91 2,067 284 68.1 16.69
94 Jonestown Bank and Trust Co. (JNES) Jonestown, PA 432,000 42.2 10.66 9.88 0.97 3.82 4,000 2,910 61.42 12.62
95 Peoples Limited (PPLL) Wyalusing, PA 272,175 24.7 10.63 11.69 0.96 3.9 2,530 2,334 72.73 13.11
96 First Keystone Corp. (FKYS) Berwick, PA 901,565 140.8 10.63 10.12 1.23 3.71 10,273 4,905 58.77 14.92
97 First Manitowoc Bancorp (BFNC) Manitowoc, WI 1,060,887 124.8 10.63 11.6 1.15 3.64 11,564 6,661 53.51 12.46
98 Citizens National Bancshares (CNBL) Bossier City, LA 745,840 103.2 10.55 10.74 1.13 4.34 8,087 5,576 64.81 15.17
99 Dimeco (DIMC) Honesdale, PA 608,888 65 10.55 10.19 1.02 3.98 6,139 4,412 57.76 13.54
100 Preferred Bank (PFBC) Los Angeles, CA 1,768,959 347 10.45 9.75 1.18 3.95 19,199 3,960 44.74 15.03
101 Georgia-Carolina Bancshares (GECR) Augusta, GA 516,498 51.2 10.43 10.68 1.26 3.55 6,204 11,776 74.35 17.44
102 Valley Financial Corp. (VYFC) Roanoke, VA 825,346 54 10.41 11.05 0.86 3.74 6,835 4,711 64.23 14.2
103 Iowa First Bancshares Corp. (IOFB) Muscatine, IA 433,925 33.8 10.4 9.15 0.79 3.24 3,480 3,349 65.87 12.8
104 Commercial Bancshares (CMOH) Upper Sandusky, OH 317,998 26.7 10.34 9.97 1 4.63 3,055 2,163 66.8 12.6
105 CB Financial Services (CBFV) Carmichaels, PA 546,486 48.7 10.3 9.47 0.79 3.12 4,256 3,221 68.07 13.38
106 Truxton Corp. (TRUX) Nashville, TN 329,000 42.7 10.3 11.91 1.16 3.2 3,573 5,675 66.01 15.55
107 Community Bancorp. (CMTV) Derby, VT 573,667 68.2 10.26 11.44 0.9 3.83 5,087 5,988 69.94 13.09
108 Solvay Bank Corp. (SOBS) Solvay, NY 686,029 68.1 10.26 9.82 0.98 3.4 6,382 4,728 60.49 20.27
109 Ames National Corp. (ATLO) Ames, IA 1,233,084 199.4 10.22 9.76 1.14 3.18 13,954 6,715 47.42 17.2
110 BancAffiliated (BAFI) Arlington, TX 409,634 43.1 10.21 10.1 1.01 5.14 3,919 17,095 79.14 15.7
111 Sunwest Bank (SWBC) Irvine, CA 677,738 75.1 10.18 12.93 1.75 5.66 11,860 10,338 55.68 17.42
112 Redwood Financial (REDW) Redwood Falls, MN 223,190 12.6 10.18 9.19 1.17 4.71 2,450 2,014 62.47 11.67
113 F & M Bank Corp. (FMBM) Timberville, VA 552,788 59.1 10.18 9.43 0.86 4.02 4,823 4,032 58.35 15.37
114 PSB Holdings (PSBQ) Wausau, WI 711,541 53.1 10.16 8.37 0.68 3.38 4,744 5,569 57.75 13.88
115 Santa Cruz County Bank (SCZC) Santa Cruz, CA 398,248 37.4 10.14 10.6 0.87 4.06 3,312 3,298 69.41 13.02
116 Merchants Financial Group (MFGI) Winona, MN 1,366,017 91.5 10.14 10.12 0.88 4.11 11,612 15,813 71.52 13.39
117 Evans Bancorp (EVBN) Hamburg, NY 833,498 95.7 10.13 10.06 0.96 3.69 7,857 11,445 73.28 14.9
118 Bar Harbor Bankshares (BHB) Bar Harbor, ME 1,373,893 149 10.13 10.52 0.98 3.15 13,183 7,139 55.17 16.62
119 Fidelity D & D Bancorp (FDBC) Dunmore, PA 623,825 67.5 10.11 11.7 1.15 3.8 7,122 7,373 63.52 15.18
120 LCNB Corp. (LCNB) Lebanon, OH 932,338 162.4 10.04 9.02 0.93 3.57 8,780 8,030 63.1 18.65
121 Bay Commercial Bank (BCML) Walnut Creek, CA 342,304 49.3 10.03 5.17 0.84 4.07 2,690 628 62.66 20.53
122 CapStone Bank (CPSE) Raleigh, NC 381,604 58 10 20.91 2.42 4.34 8,756 5,507 43.16 15.27
123 University Bancorp (UNIB) Ann Arbor, MI 108,971 33.3 10 13.12 1.21 4.39 1,294 27,647 87.62 21.1
124 Americas United Bank (AUNB) Glendale, CA 119,518 20.9 9.99 19.6 3.4 3.39 3,934 440 86.43 24.38
125 Pioneer Bankshares (PNBI) Stanley, VA 173,519 19.9 9.98 10.61 1.3 5.62 2,250 1,565 63.79 15.53
126 Parke Bancorp (PKBK) Sewell, NJ 794,943 66.8 9.96 9.04 1.04 4.36 7,839 4,792 39.93 17.04
127 River Valley Bancorp (RIVR) Madison, IN 482,837 41.4 9.94 12.69 0.92 3.41 4,440 4,220 65.41 14.04
128 Provident Financial Holdings (PROV) Riverside, CA 1,134,062 153.4 9.93 8.44 1.11 2.69 13,243 48,115 76.4 21.06
129 Community Bank Shares of Ind. (CBIN) New Albany, IN 848,336 76.5 9.92 10.03 1.04 4.24 8,667 6,063 69.48 18.47
130 FFD Financial Corp. (FFDF) Dover, OH 250,697 23.6 9.91 10.34 0.93 3.87 2,281 1,302 61.61 12.55
131 Eagle Financial Services (EFSI) Berryville, VA 584,380 78.6 9.83 11.04 1.23 4.22 7,158 6,344 68.37 18.42
132 County Commerce Bank (CNYB) Oxnard, CA 223,585 24.9 9.81 9.29 0.86 3.31 1,805 309 59.57 16.42
133 GNB Financial Services (GNBF) Gratz, PA 183,777 29.3 9.8 9.55 1.3 3.8 2,403 919 51.32 24.04
134 Benton Financial Corp. (BTOF) Fowler, IN 134,865 10.8 9.78 8.48 1.08 3.93 1,523 615 64.53 20.72
135 NorthWest Indiana Bancorp (NWIN) Munster, IN 693,453 76.1 9.78 10.17 1.03 3.77 7,118 4,712 68.02 15.6
136 Auburn National Bancorp. (AUBN) Auburn, AL 751,343 90.2 9.76 10.33 0.94 3.16 7,118 5,629 63.74 18.4
137 MidWestOne Financial Group (MOFG) Iowa City, IA 1,755,218 210.1 9.67 10.59 1.06 3.46 18,607 14,781 57.09 14.62
138 Jeff Davis Bancshares (JDVB) Jennings, LA 731,546 85.8 9.59 9.22 0.9 4.47 6,409 8,584 72.43 15.52
139 Northrim BanCorp (NRIM) Anchorage, AK 1,215,006 166.8 9.58 8.81 1.07 4.23 12,412 12,553 70.15 16.61
140 Mauch Chunk Trust Financial (MCHT) Jim Thorpe, PA 314,943 42.4 9.57 10.33 1.04 3.66 3,300 2,892 64.19 16.98
141 Hamlin Bank and Trust Co. (HMLN) Smethport, PA 434,006 97 9.56 10.04 1.44 3.52 6,188 1,415 49.52 26.98
142 First Bankers Trustshares (FBTT) Quincy, IL 775,640 60.1 9.55 8.49 0.72 2.8 5,695 13,182 71.08 14.66
143 John Marshall Bank (JMSB) Reston, VA 662,540 148.7 9.53 11.67 1.18 4.45 7,089 371 56.24 15.72
144 First BancTrust Corp. (FIRT) Paris, IL 407,345 31.1 9.5 8.59 0.78 3.65 3,066 4,347 67.22 14.6
145 Virginia National Bankshares (VABK) Charlottesville, VA 512,994 59.5 9.5 12.63 1.4 3.21 6,896 17,804 67.44 18
146 American National Bankshares (AMNB) Danville, VA 1,307,512 177.5 9.49 9.52 1.2 4.1 15,747 10,635 54.13 18.14
147 CCFNB Bancorp (CCFN) Bloomsburg, PA 624,010 78 9.48 9.05 1.1 3.32 6,818 6,019 58.6 21.1
148 Country Bank Holding Co. (CYHC) New York, NY 514,970 27 9.45 8.04 0.65 3.6 3,031 700 68.38 12.85
149 Ohio Valley Banc Corp. (OVBC) Gallipolis, OH 747,368 91 9.43 10.4 1.04 4.5 8,112 9,210 68.14 16.8
150 Teche Holding Co. (TSH) New Iberia, LA 876,723 166.7 9.41 9.08 0.95 3.97 8,074 15,823 74.22 15.75
151 Citizens B & T Holdings (CBTH) Guntersville, AL 315,933 NA 9.4 8.94 0.9 4.48 2,804 2,175 64.53 13.64
152 Centrix Bank & Trust (CXBT) Bedford, NH 907,683 128.8 9.39 9.2 0.88 3.61 7,659 1,371 57.04 13.2
153 Premier Valley Bank (PVLY) Fresno, CA 576,332 76.1 9.37 9.7 1.17 3.68 6,541 3,643 58.36 14.52
154 Lighthouse Bank (LGHT) Santa Cruz, CA 157,975 23.8 9.36 10.69 1.44 4.62 2,323 348 50.59 18.46
155 Highlands Bancorp (HSBK) Vernon, NJ 223,449 11.1 9.35 10.82 1.1 4.08 2,270 551 79.47 10.53
156 Keweenaw Financial Corp. (KEFI) Hancock, MI 547,809 53.2 9.33 9.17 1 3.23 5,540 3,066 56.77 22.92
157 Diamond Bancshares (DMNB) Antwerp, OH 88,500 4.6 9.3 8.59 0.83 3.82 756 313 67.37 15.76
158 Carolina Bank Holdings (CLBH) Greensboro, NC 661,807 34.9 9.28 7.58 0.6 3.59 4,010 14,062 72.79 13.88
159 Old Line Bancshares (OLBK) Bowie, MD 1,167,223 183 9.24 7.68 0.73 4.5 7,747 8,384 61.73 12.5
160 National Capital Bank (NACB) Washington, DC 424,506 83.4 9.23 6.99 0.66 2.81 2,787 1,334 59.16 19.76
161 Codorus Valley Bancorp (CVLY) York, PA 1,150,641 117.6 9.22 10.08 0.96 3.83 10,566 7,671 62.11 13.89
162 United Tenn. Bankshares (UNTN) Newport, TN 182,640 11.8 9.21 9.43 0.89 3.66 1,656 436 51.48 23.1
163 Norwood Financial Corp. (NWFL) Honesdale, PA 711,234 104.2 9.21 9.13 1.23 4 8,465 3,964 53.66 17.66
164 Enterprise Bancorp (EBTC) Lowell, MA 1,849,925 199.3 9.19 9.32 0.78 4.07 13,529 12,432 69.82 11.35
165 Cornerstone Community (CRSB) Red Bluff, CA 121,856 11 9.18 9.1 0.9 4.24 1,073 589 80.64 13.27
166 Northeast Indiana Bancorp (NIDB) Huntington, IN 268,626 26.4 9.16 8.91 0.92 3.36 2,477 2,787 61.8 17.72
167 Farmers Bancorp (FABP) Frankfort, IN 446,375 41.2 9.16 10.75 1.07 3.95 4,753 5,135 64.82 13.86
168 Consumers Bancorp (CBKM) Minerva, OH 364,179 53 9.15 8.07 0.76 3.89 2,683 2,726 72.71 15.6
169 First Sentry Bancshares (FTSB) Huntington, WV 490,157 40.3 9.15 8.11 0.71 3.72 3,491 1,580 51.25 13.45
170 First Mid-Illinois Bancshares (FMBH) Mattoon, IL 1,605,498 123.6 9.13 9.56 0.94 3.47 14,722 17,048 62.48 15.58
171 Washington Banking Co. (WBCO) Oak Harbor, WA 1,683,988 275.7 9.13 7.99 0.88 4.65 14,496 20,200 56.97 19.76
172 Kish Bancorp (KISB) Reedsville, PA 630,081 44.5 9.13 9.81 0.69 3.04 4,217 6,100 84.19 13.16
173 American Riviera Bank (ARBV) Santa Barbara, CA 183,305 26.2 9.1 5.82 0.8 4.99 1,401 467 72.42 17.97
174 Turbotville Nat’l Bancorp (TVNB) Turbotville, PA 124,266 15.8 9.09 8.81 1.27 3.56 1,605 475 46.87 26.72
175 Kentucky Bancshares (KTYB) Paris, KY 769,434 67.3 9.07 8.77 0.86 3.62 6,292 10,322 74.22 14.22
176 First National Bank of Groton (FIGR) Groton, NY 142,968 23.3 9.06 9.76 1.34 4.86 1,898 885 56.5 28.89
177 Mid Penn Bancorp (MPB) Millersburg, PA 713,125 50.7 9.04 9.36 0.71 3.77 4,939 3,062 68.34 11.1
178 Blue Ridge Bankshares (BRBS) Luray, VA 214,729 14.9 9.03 10.23 0.87 3.44 1,845 940 60.86 15.04
179 Madison County Financial (MCBK) Madison, NE 290,095 55.6 9.02 4.8 1.08 3.74 3,019 1,856 53.49 18.31
180 Bancorp. of Southern Ind. (BCSO) Seymour, IN 440,850 28.3 9.01 8.89 0.8 3.33 3,512 4,869 66.53 16.01
181 ENB Financial Corp (ENBP) Ephrata, PA 812,300 84.9 9 8.93 0.96 2.91 7,710 6,180 79.18 17.87
182 FNBPA Bancorp (FNBP) Port Allegany, PA 94,194 9.2 9 9.99 0.97 3.95 942 373 63.3 24.93
183 Denali Bancorp. (DENI) Fairbanks, AK 260,845 NA 8.99 7.31 0.69 4.39 1,804 2,643 78.15 16.56
184 ACNB Corp. (ACNB) Gettysburg, PA 1,046,047 109.6 8.9 9 0.9 3.48 9,315 11,703 67.96 15.37
185 River City Bank (RCBC) Sacramento, CA 1,234,145 130.7 8.89 8.73 0.96 3.33 11,485 4,949 51.04 17.44
186 IFB Holdings (IFBH) Chillicothe, MO 66,698 3.4 8.88 9.05 1.16 3.89 767 498 52.86 30.84
187 Crystal Valley Financial (CYVF) Middlebury, IN 403,525 34.6 8.87 11.28 1.14 4.07 4,503 3,662 74.06 14.7
188 Pontiac Bancorp (PONT) Pontiac, IL 488,815 54.9 8.86 9.69 1.17 3.82 5,549 2,688 46.94 21.09
189 Glen Burnie Bancorp (GLBZ) Glen Burnie, MD 377,194 33 8.86 8.07 0.68 3.69 2,614 1,656 72.8 14.14
190 Jeffersonville Bancorp (JFBC) Jeffersonville, NY 428,772 52.9 8.85 9.99 1.07 4.5 4,620 3,035 68.31 18.28
191 Valley Commerce Bancorp (VCBP) Visalia, CA 365,146 41.5 8.83 10.37 1.11 4.08 4,054 1,295 69.82 17.5
192 DNB Financial Corp. (DNBF) Downingtown, PA 661,473 56.5 8.8 6.75 0.6 3.34 3,919 4,185 69.32 16.4
193 Community Bankers’ Corp. (CTYP) Indiana, PA 282,312 18.4 8.8 9.7 0.54 3.2 1,572 435 85.72 13.41
194 CSB Bancorp (CSBB) Millersburg, OH 596,465 53.8 8.78 9.93 0.9 3.51 5,240 4,159 62.97 13.56
195 BankGuam Holding Co. (BKGMF) Hagatna, GU 1,283,008 80.1 8.76 10.45 0.77 4.81 9,868 11,065 75.83 12.24
196 Oconomowoc Bancshares (OCNB) Oconomowoc, WI 810,193 55.6 8.76 8.34 0.65 3.45 5,011 10,617 75.99 12.38
197 Harleysville Savings Financial (HARL) Harleysville, PA 809,273 66.5 8.74 7.89 0.6 2.31 4,814 2,704 63.31 13.94
198 Peapack-Gladstone Financial (PGC) Bedminster, NJ 1,966,948 239.9 8.73 7.37 0.54 3.26 9,261 19,148 74.69 15.33
199 Denver Bankshares (DNVB) Denver, CO 210,412 22.1 8.67 7.1 0.67 3.49 1,324 928 73.78 14.97
200 Oak Valley Bancorp (OVLY) Oakdale, CA 671,853 77 8.66 9.01 0.91 4.13 5,886 3,249 67.8 14.61
  Median for top 200 companies   602,677 59.46 10.44 10.33 1.05 3.79 6,263.00 4,720.00 64.38 15.49
  Median for all 851 companies   377,662 34.95 5.7 6.41 0.67 3.61 2,312.00 2,393.00 74.46 16.03


Note: Ranking is of exchange-traded banks and thrifts with less than $2 billion in total assets as of Dec. 31, 2013. These are the most profitable 200 institutions of all 851 fitting our criteria. Excluded from the analysis are any with a leverage ratio less than 5%, a Tier 1 risk-based capital ratio of less than 6%, or a total risk-based capital capital ratio less than 10% as of Dec. 31, 2013. Also excluded are industrial banks and S corporations. Ranking based on the average return on equity for the three years ending Dec. 31, 2011, 2012 and 2013. Financial data based on GAAP filings. If unavailable, regulatory filing information was used. The data is for full-year 2013, except where indicated. All data is as of March 27. Market value is calculated using the most recently publicly available information regarding share count and closing price.
Source: SNL Financial
© 2014 American Banker Magazine

 

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