Community Banks with the Largest C&I Loan Portfolios
April 23, 2012, 3:15 p.m. EDT 1 Min Read
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Community Banks with the Largest C&I Loan Portfolios
Community Banks with the Largest C&I Loan PortfoliosOn Dec. 31, 2011. Dollars in thousands | ||||||
---|---|---|---|---|---|---|
Rank | Type of institution | Commercial and industrial loans | Total loans and leases | |||
Dec. 31 | Year earlier | Change | ||||
1 | Crestmark Bank Troy, Mich. | commercial | $302,967 | $202,877 | 49.3% | $325,741 |
2 | 1st Constitution Bank Cranbury, N.J. | commercial | 273,568 | 202,725 | 34.9 | 494,665 |
3 | Park Bank Milwaukee | commercial | 247,119 | 246,849 | 0.1 | 606,672 |
4 | Seaside National Bank and Trust Orlando | commercial | 244,902 | 208,866 | 17.3 | 524,649 |
5 | Community National Bank Midland, Texas | commercial | 215,864 | 161,458 | 33.7 | 418,353 |
6 | Sovereign Bank Dallas | commercial | 201,740 | 145,592 | 38.6 | 523,863 |
7 | Bank of Houston | commercial | 186,241 | 159,742 | 16.6 | 515,682 |
8 | California United Bank Encino | commercial | 185,629 | 170,601 | 8.8 | 489,260 |
9 | WestStar Bank El Paso, Texas | commercial | 181,043 | 191,543 | -5.5 | 624,151 |
10 | CapStar Bank Nashville, Tenn. | commercial | 175,513 | 131,779 | 33.2 | 430,329 |
11 | Bank of Washington Mo. | commercial | 175,471 | 154,595 | 13.5 | 681,155 |
12 | Citywide Banks Denver | commercial | 168,255 | 152,067 | 10.6 | 651,326 |
13 | Bank of Union El Reno, Okla. | commercial | 164,252 | 122,778 | 33.8 | 340,982 |
14 | Alma Bank Astoria, N.Y. | commercial | 162,132 | 121,100 | 33.9 | 468,190 |
15 | State Bank of India California Los Angeles | commercial | 161,592 | 163,807 | -1.4 | 576,437 |
16 | Bank First National Manitowoc, Wis. | commercial | 160,991 | 119,040 | 35.2 | 678,395 |
17 | First Bank and Trust Evanston, Ill. | commercial | 158,399 | 143,820 | 10.1 | 509,347 |
18 | Security Bank Odessa, Texas | commercial | 156,828 | 115,679 | 35.6 | 407,446 |
19 | Peoples Neighborhood Bank Hallstead, Pa. | commercial | 153,944 | 73,024 | 110.8 | 445,673 |
20 | Machias Savings Bank Maine | savings | 152,292 | 151,161 | 0.7 | 851,468 |
21 | Allegiance Bank Texas Houston | commercial | 148,399 | 82,683 | 79.5 | 463,324 |
22 | Citizens Bank Elizabethton, Tenn. | commercial | 147,657 | 130,089 | 13.5 | 422,783 |
23 | Redding Bank of Commerce Calif. | commercial | 146,311 | 133,408 | 9.7 | 638,926 |
24 | First Western Trust Bank Denver | commercial | 143,739 | 103,376 | 39.0 | 523,730 |
25 | Northern Bank and Trust Co. Woburn, Mass. | commercial | 143,529 | 121,278 | 18.3 | 615,898 |
26 | NexBank SSB Dallas | savings | 141,940 | 96,205 | 47.5 | 330,917 |
27 | Heritage Oaks Bank Paso Robles, Calif. | commercial | 141,065 | 145,811 | -3.3 | 667,121 |
28 | Missouri Bank and Trust Co. of Kansas City | commercial | 138,567 | 127,505 | 8.7 | 336,217 |
29 | Centrix Bank and Trust Bedford, N.H. | commercial | 133,986 | 111,292 | 20.4 | 545,205 |
30 | Red River Bank Alexandria, La. | commercial | 132,717 | 112,391 | 18.1 | 608,651 |
31 | Montgomery Bank Sikeston, Mo. | commercial | 132,662 | 146,352 | -9.4 | 707,865 |
32 | River Valley Bank Wausau, Wis. | commercial | 132,564 | 146,005 | -9.2 | 754,797 |
33 | Access National Bank Reston, Va. | commercial | 132,236 | 95,065 | 39.1 | 664,526 |
34 | Nicolet National Bank Green Bay, Wis. | commercial | 128,625 | 141,769 | -9.3 | 483,862 |
35 | Georgia Commerce Bank Atlanta | commercial | 125,679 | 91,927 | 36.7 | 421,144 |
36 | Security Bank of California Riverside | commercial | 125,122 | 118,093 | 6.0 | 302,463 |
37 | Central Bank Storm Lake, Iowa | commercial | 124,995 | 133,131 | -6.1 | 395,124 |
38 | Northstar Bank of Texas Denton | commercial | 124,272 | 109,383 | 13.6 | 641,338 |
39 | Sunwest Bank Irvine, Calif. | commercial | 123,326 | 81,893 | 50.6 | 398,504 |
40 | Community National Bank Great Neck, N.Y. | commercial | 122,277 | 86,070 | 42.1 | 395,755 |
41 | Community Bank of Tri-County Waldorf, Md. | commercial | 121,729 | 122,550 | -0.7 | 717,743 |
42 | Salin Bank and Trust Co. Indianapolis | commercial | 121,402 | 121,073 | 0.3 | 562,609 |
43 | Peoples National Bank Mount Vernon, Ill. | commercial | 121,050 | 128,630 | -5.9 | 633,135 |
44 | Western State Bank Devils Lake, N.D. | commercial | 120,910 | 99,871 | 21.1 | 406,996 |
45 | Indiana Bank and Trust Co. Columbus | commercial | 120,447 | 123,314 | -2.3 | 713,550 |
46 | Farmers and Merchants Savings Bank Manchester, Iowa | commercial | 120,399 | 98,471 | 22.3 | 270,985 |
47 | Five Points Bank Grand Island, Neb. | commercial | 120,313 | 113,635 | 5.9 | 418,543 |
48 | Metropolitan Bank Ridgeland, Miss. | commercial | 119,632 | 89,926 | 33.0 | 411,271 |
49 | Cache Valley Bank Logan, Utah | commercial | 119,411 | 38,454 | 210.5 | 315,361 |
50 | Southwest Bank Fort Worth, Texas | commercial | 118,951 | 109,252 | 8.9 | 676,844 |
51 | Avenue Bank Nashville, Tenn. | commercial | 118,659 | 117,844 | 0.7 | 402,202 |
52 | Signature Bank Chicago | commercial | 118,258 | 102,843 | 15.0 | 243,160 |
53 | Tower Bank and Trust Co. Fort Wayne, Ind. | commercial | 117,887 | 128,822 | -8.5 | 467,492 |
54 | Bank of Blue Valley Overland Park, Kan. | commercial | 117,510 | 138,175 | -15.0 | 444,529 |
55 | Crown Bank Edina, Minn. | commercial | 116,801 | 140,552 | -16.9 | 190,419 |
56 | Private Bank of California Los Angeles | commercial | 116,317 | 86,610 | 34.3 | 301,809 |
57 | Clayton Bank and Trust Knoxville, Tenn. | commercial | 115,041 | 121,787 | -5.5 | 506,311 |
58 | Citizens Security Bank and Trust Co. Bixby, Okla. | commercial | 114,527 | 123,256 | -7.1 | 491,944 |
59 | Farmers and Merchants State Bank Archbold, Ohio | commercial | 114,497 | 117,344 | -2.4 | 506,215 |
60 | Two Rivers Bank and Trust Burlington, Iowa | commercial | 114,181 | 106,841 | 6.9 | 434,560 |
61 | Community Bank and Trust Waco, Texas | commercial | 113,384 | 122,049 | -7.1 | 292,037 |
62 | Pacific Enterprise Bank Irvine, Calif. | commercial | 112,202 | 79,419 | 41.3 | 208,952 |
63 | Katahdin Trust Co. Patten, Maine | commercial | 111,685 | 106,371 | 5.0 | 437,797 |
64 | CapitalMark Bank and Trust Chattanooga, Tenn. | commercial | 111,458 | 93,231 | 19.6 | 363,211 |
65 | Signature Bank Toledo, Ohio | commercial | 111,432 | 89,859 | 24.0 | 438,109 |
66 | North Side Bank and Trust Co. Cincinnati | commercial | 111,061 | 150,524 | -26.2 | 333,278 |
67 | Fidelity Bank Edina, Minn. | commercial | 110,894 | 91,536 | 21.1 | 330,941 |
68 | Vista Bank Texas Houston | commercial | 110,602 | 99,150 | 11.6 | 386,488 |
69 | Business First Bank Baton Rouge, La. | commercial | 110,539 | 96,124 | 15.0 | 441,856 |
70 | Commercial State Bank Andrews, Texas | commercial | 110,508 | 108,341 | 2.0 | 267,095 |
71 | Gulf Coast Bank and Trust Co. New Orleans | commercial | 109,590 | 96,830 | 13.2 | 656,151 |
72 | Alliance Bank St. Paul, Minn. | commercial | 109,282 | 141,018 | -22.5 | 469,013 |
73 | Chambers Bank Danville, Ark. | commercial | 107,555 | 120,301 | -10.6 | 573,071 |
74 | QNB Bank Quakertown, Pa. | commercial | 107,148 | 98,043 | 9.3 | 490,871 |
75 | Citizens Bank and Trust Co. Chillicothe, Mo. | commercial | 105,134 | 71,399 | 47.2 | 465,033 |
76 | 1st Enterprise Bank Los Angeles | commercial | 104,665 | 75,076 | 39.4 | 292,587 |
77 | Old Florida National Bank Orlando | commercial | 104,389 | 87,221 | 19.7 | 408,924 |
78 | Mercantile Bank and Trust Co. Boston | commercial | 104,302 | 88,692 | 17.6 | 172,628 |
79 | Kaw Valley Bank Topeka, Kan. | commercial | 104,013 | 147,038 | -29.3 | 284,861 |
80 | Lone Star State Bank of West Texas Lubbock | commercial | 103,528 | 98,172 | 5.5 | 339,623 |
81 | West Texas State Bank Odessa | commercial | 103,098 | 98,833 | 4.3 | 175,343 |
82 | Farmers and Merchants Trust Co. of Chambersburg Pa. | commercial | 103,050 | 82,620 | 24.7 | 766,410 |
83 | Bank of Ann Arbor Mich. | commercial | 102,149 | 85,825 | 19.0 | 505,551 |
84 | Kansas State Bank of Manhattan | commercial | 100,893 | 98,592 | 2.3 | 674,955 |
85 | Voyager Bank Eden Prairie, Minn. | commercial | 100,820 | 124,175 | -18.8 | 308,419 |
86 | Integrity Bank Camp Hill Pa. | commercial | 100,531 | 73,832 | 36.2 | 520,015 |
87 | Panhandle State Bank Sandpoint, Idaho | commercial | 100,219 | 116,615 | -14.1 | 522,501 |
88 | Itasca Bank and Trust Co. Ill. | commercial | 99,238 | 98,641 | 0.6 | 295,802 |
89 | Georgia Primary Bank Atlanta | commercial | 98,945 | 115,064 | -14.0 | 236,262 |
90 | Bank of Commerce Ammon, Idaho | commercial | 98,757 | 97,728 | 1.1 | 445,618 |
91 | High Point Bank and Trust Co. N.C. | commercial | 98,533 | 77,623 | 26.9 | 535,932 |
92 | Pacific City Bank Los Angeles | commercial | 98,418 | 120,083 | -18.0 | 436,243 |
93 | Xenith Bank Richmond, Va. | commercial | 97,679 | 37,982 | 157.2 | 325,912 |
94 | Jefferson Bank San Antonio | commercial | 97,500 | 79,293 | 23.0 | 553,171 |
95 | Beach Business Bank Manhattan Beach, Calif. | commercial | 97,117 | 100,232 | -3.1 | 260,576 |
96 | BPD Bank New York | commercial | 97,108 | 77,613 | 25.1 | 243,219 |
97 | Community Bank and Trust Sheboygan, Wis. | commercial | 96,492 | 101,810 | -5.2 | 419,560 |
98 | Starion Financial Bismarck, N.D. | commercial | 95,548 | 84,125 | 13.6 | 621,962 |
99 | Nebraskaland National Bank North Platte | commercial | 95,546 | 66,645 | 43.4 | 294,627 |
100 | NBC Oklahoma Oklahoma City | commercial | 95,481 | 87,619 | 9.0 | 342,919 |
101 | Post Oak Bank Houston | commercial | 93,707 | 87,354 | 7.3 | 408,893 |
102 | California Bank of Commerce Lafayette | commercial | 93,611 | 74,560 | 25.6 | 208,119 |
103 | Sonabank McLean, Va. | commercial | 93,369 | 77,643 | 20.3 | 492,970 |
104 | Modern Bank New York | commercial | 93,172 | 45,486 | 104.8 | 315,061 |
105 | Hawaii National Bank Honolulu | commercial | 93,039 | 90,128 | 3.2 | 341,513 |
106 | Venture Bank Bloomington, Minn. | commercial | 92,943 | 73,524 | 26.4 | 258,499 |
107 | Blackhawk Bank Beloit, Wis. | commercial | 92,935 | 122,936 | -24.4 | 338,018 |
108 | Coastal Commerce Bank Houma, La. | commercial | 92,861 | 75,322 | 23.3 | 250,875 |
109 | United Bank and Trust Ann Arbor, Mich. | commercial | 92,659 | 86,544 | 7.1 | 571,992 |
110 | Somerset Trust Co. Pa. | commercial | 91,986 | 84,476 | 8.9 | 396,165 |
111 | FirstCapital Bank of Texas Midland | commercial | 91,646 | 91,616 | 0.0 | 360,933 |
112 | Security National Bank of Omaha Neb. | commercial | 90,869 | 96,875 | -6.2 | 411,929 |
113 | Century Bank Santa Fe, N.M. | commercial | 90,832 | 87,122 | 4.3 | 313,845 |
114 | First Farmers Bank and Trust Converse, Ind. | commercial | 90,796 | 59,087 | 53.7 | 698,277 |
115 | Evans Bank Hamburg, N.Y. | commercial | 90,745 | 78,228 | 16.0 | 583,405 |
116 | Gulfstream Business Bank Stuart, Fla. | commercial | 90,521 | 119,566 | -24.3 | 364,765 |
117 | First Bank and Trust Co. Lubbock, Texas | commercial | 89,979 | 77,645 | 15.9 | 365,843 |
118 | United Security Bank Fresno, Calif. | commercial | 89,957 | 101,243 | -11.1 | 408,145 |
119 | Enterprise Bank Houston | commercial | 88,820 | 91,964 | -3.4 | 372,124 |
120 | First Sentry Bank Inc. Huntington, W.Va. | commercial | 88,529 | 86,878 | 1.9 | 357,767 |
121 | Frontier State Bank Oklahoma City | commercial | 88,348 | 83,470 | 5.8 | 338,532 |
122 | Guaranty Bank Springfield, Mo. | commercial | 88,089 | 85,428 | 3.1 | 493,277 |
123 | Bank of River Oaks Houston | commercial | 88,035 | 67,942 | 29.6 | 201,240 |
124 | Your Community Bank New Albany, Ind. | commercial | 87,907 | 90,931 | -3.3 | 417,184 |
125 | Bank 7 Oklahoma City | commercial | 87,687 | 46,159 | 90.0 | 170,541 |
126 | Legacy Bank Hinton, Okla. | commercial | 87,613 | 77,179 | 13.5 | 315,228 |
127 | WashingtonFirst Bank Reston, Va. | commercial | 87,583 | 75,425 | 16.1 | 419,937 |
128 | Valley Bank Roanoke, Va. | commercial | 87,218 | 91,853 | -5.0 | 507,137 |
129 | Third Coast Bank SSB Humble, Texas | savings | 87,216 | 59,471 | 46.7 | 183,557 |
130 | Adirondack Bank Utica, N.Y. | commercial | 86,652 | 77,087 | 12.4 | 332,429 |
131 | mBank Manistique, Mich. | commercial | 86,419 | 62,380 | 38.5 | 401,085 |
132 | Foundation Bank Bellevue, Wash. | commercial | 86,377 | 100,936 | -14.4 | 263,103 |
133 | Equity Bank Wichita, Kan. | commercial | 86,216 | 71,561 | 20.5 | 329,873 |
134 | Valley Bank Moline, Ill. | commercial | 86,061 | 98,726 | -12.8 | 396,545 |
135 | Commonwealth Business Bank Los Angeles | commercial | 86,008 | 95,817 | -10.2 | 333,505 |
136 | Park Bank Madison, Wis. | commercial | 84,953 | 93,855 | -9.5 | 596,806 |
137 | Level One Bank Farmington Hills, Mich. | commercial | 84,894 | 67,174 | 26.4 | 325,157 |
138 | Choice Financial Group Grafton, N.D. | commercial | 84,881 | 76,806 | 10.5 | 476,179 |
139 | Jefferson Bank and Trust Co. Eureka, Mo. | commercial | 84,529 | 89,451 | -5.5 | 414,301 |
140 | Bank of Springfield Ill. | commercial | 84,249 | 98,482 | -14.5 | 550,947 |
141 | First Northern Bank of Dixon Calif. | commercial | 84,211 | 78,226 | 7.7 | 446,029 |
142 | Paragon Commercial Bank Raleigh, N.C. | commercial | 84,112 | 92,045 | -8.6 | 686,976 |
143 | Parkside Financial Bank and Trust Clayton, Mo. | commercial | 83,921 | 71,495 | 17.4 | 187,149 |
144 | Citizens Bank of Mukwonago Wis. | commercial | 83,642 | 52,277 | 60.0 | 456,267 |
145 | American First National Bank Houston | commercial | 83,502 | 87,701 | -4.8 | 699,815 |
146 | Veritex Community Bank Dallas | commercial | 83,381 | 28,369 | 193.9 | 297,611 |
147 | Southern First Bank Greenville, S.C. | commercial | 83,031 | 84,954 | -2.3 | 598,634 |
148 | AmeriServ Financial Bank Johnstown, Pa. | commercial | 83,027 | 77,231 | 7.5 | 670,847 |
149 | Icon Bank of Texas Houston | commercial | 83,022 | 64,909 | 27.9 | 285,085 |
150 | Northeast Bank Minneapolis | commercial | 82,955 | 90,880 | -8.7 | 264,245 |
151 | Vermillion State Bank Minn. | commercial | 82,814 | 78,347 | 5.7 | 293,353 |
152 | Central National Bank Waco, Texas | commercial | 82,808 | 99,808 | -17.0 | 424,799 |
153 | First National Bank of Jacksboro Texas | commercial | 82,344 | 69,452 | 18.6 | 300,769 |
154 | Adirondack Trust Co. Saratoga Springs, N.Y. | commercial | 82,274 | 78,738 | 4.5 | 472,351 |
155 | Bank of American Fork Utah | commercial | 82,163 | 81,195 | 1.2 | 598,846 |
156 | American State Bank Sioux Center, Iowa | commercial | 81,352 | 99,405 | -18.2 | 481,747 |
157 | Monarch Bank Chesapeake, Va. | commercial | 81,291 | 88,296 | -7.9 | 819,194 |
158 | Lubbock National Bank Texas | commercial | 81,004 | 81,770 | -0.9 | 371,814 |
159 | Citizens National Bank of Greater St. Louis Maplewood, Mo. | commercial | 80,990 | 84,513 | -4.2 | 335,570 |
160 | JGB Bank Miami | commercial | 80,863 | 105,787 | -23.6 | 213,360 |
161 | D.L. Evans Bank Burley, Idaho | commercial | 80,719 | 61,006 | 32.3 | 562,591 |
162 | Delaware Place Bank Chicago | commercial | 80,501 | 30,718 | 162.1 | 169,187 |
163 | Columbia Community Bank Hillsboro, Ore. | commercial | 80,461 | 75,312 | 6.8 | 238,403 |
164 | Yellowstone Bank Laurel, Mont. | commercial | 80,351 | 73,983 | 8.6 | 299,073 |
165 | Signature Bank of Arkansas Fayetteville | commercial | 80,296 | 78,277 | 2.6 | 386,664 |
166 | Park Cities Bank Dallas | commercial | 80,214 | 155,848 | -48.5 | 347,545 |
167 | Howard Bank Ellicott City, Md. | commercial | 79,913 | 84,545 | -5.5 | 277,177 |
168 | RidgeStone Bank Brookfield, Wis. | commercial | 79,872 | 91,543 | -12.7 | 321,460 |
169 | Presidio Bank San Francisco | commercial | 79,803 | 77,138 | 3.5 | 270,397 |
170 | Mercantile Bank Quincy, Ill. | commercial | 79,484 | 105,489 | -24.7 | 393,719 |
171 | First Bank and Trust New Orleans | commercial | 79,433 | 96,899 | -18.0 | 528,997 |
172 | BankWest Inc. Pierre, S.D. | commercial | 79,256 | 78,587 | 0.9 | 554,098 |
173 | Cornerstone Bank Moorestown, N.J. | commercial | 79,228 | 73,964 | 7.1 | 241,917 |
174 | Chicopee Savings Bank Mass. | savings | 79,053 | 72,291 | 9.4 | 449,725 |
175 | First American Bank Artesia, N.M. | commercial | 78,842 | 68,355 | 15.3 | 413,615 |
176 | American Bank of Commerce Wolfforth, Texas | commercial | 78,592 | 88,363 | -11.1 | 395,590 |
177 | One Bank and Trust Little Rock, Ark. | commercial | 78,433 | 91,059 | -13.9 | 347,814 |
178 | Planters Bank Hopkinsville, Ky. | commercial | 78,391 | 84,270 | -7.0 | 442,960 |
179 | AimBank Littlefield, Texas | commercial | 78,279 | 54,542 | 43.5 | 203,029 |
180 | American Momentum Bank Tampa, Fla. | commercial | 78,083 | 86,745 | -10.0 | 749,229 |
181 | United Prairie Bank Mountain Lake, Minn. | commercial | 77,425 | 76,138 | 1.7 | 415,484 |
182 | California Republic Bank Newport Beach | commercial | 77,150 | 58,786 | 31.2 | 286,374 |
183 | Adams Bank and Trust Ogallala, Neb. | commercial | 76,506 | 72,167 | 6.0 | 448,922 |
184 | Bank of San Antonio | commercial | 76,385 | 48,488 | 57.5 | 171,485 |
185 | First Bank and Trust East Texas Diboll | commercial | 76,283 | 88,845 | -14.1 | 493,735 |
186 | Bank Midwest Spirit Lake, Iowa | commercial | 76,227 | 66,372 | 14.8 | 449,332 |
187 | New England Bank Enfield, Conn. | commercial | 76,149 | 64,666 | 17.8 | 554,018 |
188 | Commercial Bank Harrogate, Tenn. | commercial | 75,944 | 81,821 | -7.2 | 560,146 |
189 | Heartland Bank Bryant, Ark. | commercial | 75,934 | 59,368 | 27.9 | 147,410 |
190 | BayCoast Bank Fall River, Mass. | savings | 75,708 | 66,241 | 14.3 | 645,934 |
191 | Platinum Bank Brandon, Fla. | commercial | 75,645 | 52,589 | 43.8 | 292,179 |
192 | Dakota Community Bank and Trust Hebron, N.D. | commercial | 75,275 | 58,764 | 28.1 | 374,469 |
193 | Bryant Bank Tuscaloosa, Ala. | commercial | 75,025 | 103,456 | -27.5 | 571,845 |
194 | Puget Sound Bank Bellevue, Wash. | commercial | 74,818 | 56,042 | 33.5 | 193,344 |
195 | Southern Bank Poplar Bluff, Mo. | commercial | 74,797 | 75,276 | -0.6 | 549,758 |
196 | Waterford Bank Toledo, Ohio | commercial | 74,787 | 50,776 | 47.3 | 254,359 |
197 | Royal Business Bank Los Angeles | commercial | 74,715 | 54,869 | 36.2 | 333,302 |
198 | State Bank and Trust Co. Defiance, Ohio | commercial | 74,693 | 71,032 | 5.2 | 448,715 |
199 | Thomasville National Bank Ga. | commercial | 74,625 | 64,118 | 16.4 | 400,812 |
200 | Sterling Bank Poplar Bluff, Mo. | commercial | 74,438 | 49,916 | 49.1 | 236,745 |
Note: Independent banks with less than $1 billion of assets or whose holding companies have less than $1 billion. Excludes industrial banks, those at which loans were less than 50% of assets, and those whose credit card loans exceeded 25% of gross loans. Thrifts were excluded. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of April 2, 2012.
Source:
SNL Financial
, Charlottesville, Va. © 2012 American Banker