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Highest Loan/Deposit Ratios Among Bank Holding Companies

June 13, 2011, 2:14 p.m. EDT 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn Dec. 31, 2010. Dollars in thousands
Published June 13, 2011
Rank   Loans as a % of deposits Loans* Deposits Equity capital
Dec. 31 Year earlier
1 United National Corp. Sioux Falls, S.D. 156.20% 171.51% $1,248,024 $798,975 $654,814
2 Discover Financial Services Riverwoods, Ill. 154.39 156.05 53,325,688 34,540,021 6,565,033
3 Barclays Delaware Holdings LLC Wilmington, Del. 148.94 NA 10,379,572 6,969,055 1,922,558
4 Cass Information Systems Inc. Bridgeton, Mo. 136.65 146.61 708,633 518,590 142,094
5 New York Community Bancorp Inc. Westbury 133.43 126.58 29,213,916 21,894,414 5,526,220
6 BBVA PR Holding Corp. San Juan, Puerto Rico 130.99 140.60 3,557,422 2,715,800 552,805
7 Doral Financial Corp. San Juan, Puerto Rico 127.92 NA 5,907,840 4,618,475 862,195
8 TCF Financial Corp. Wayzata, Minn. 127.12 125.54 14,788,304 11,633,026 1,471,663
9 Goldman Sachs Group Inc. New York 122.31 80.51 47,083,000 38,496,000 77,356,000
10 Santander BanCorp Guaynabo, Puerto Rico 122.04 124.26 5,312,951 4,353,479 729,302
11 HSBC North America Holdings Inc. New York 119.95 123.99 141,917,020 118,310,639 27,232,741
12 Lauritzen Corp. Omaha, Neb. 119.03 104.25 784,248 658,875 493,030
13 Investors Bancorp MHC Short Hills, N.J. 118.04 114.05 8,042,240 6,813,072 517,113
14 Cardinal Financial Corp. McLean, Va. 115.08 113.56 1,615,349 1,403,725 222,902
15 Franklin Resources Inc. San Mateo, Calif. 113.19 63.87 767,055 677,678 8,035,891
16 First Horizon National Corp. Memphis, Tenn. 112.83 124.96 17,158,312 15,207,881 2,382,840
17 Norway Bancorp MHC Maine 112.12 117.86 789,016 703,744 99,046
18 Texas Capital Bancshares Inc. Dallas 108.26 125.01 5,906,029 5,455,413 528,320
19 Hills Bancorp. Iowa 108.12 114.37 1,601,050 1,480,741 191,213
20 Ida Grove Bancshares Inc. Iowa 107.02 106.67 906,782 847,265 97,206
21 Liberty Bancshares Inc Springfield, Mo. 106.85 111.12 850,653 796,132 82,344
22 Southwest Bancorp Inc. Stillwater, Okla. 106.79 102.90 2,405,745 2,252,728 377,812
23 QCR Holdings Inc. Moline, Ill. 105.18 114.23 1,172,539 1,114,816 130,923
24 First Connecticut Bancorp Inc. Farmington 105.09 104.49 1,179,963 1,122,797 97,539
25 BancWest Corp. San Francisco 104.94 104.29 51,392,340 48,971,977 7,827,142
26 Lake Michigan Financial Corp. Holland, Mich. 104.81 105.93 800,049 763,346 64,473
27 Susquehanna Bancshares Inc. Lititz, Pa. 104.80 109.49 9,633,197 9,191,842 1,984,802
28 Clayton Bancorp Inc Knoxville, Tenn. 104.65 102.52 741,708 708,760 114,795
29 M&T Bank Corp. Buffalo, N.Y. 104.39 109.46 51,990,382 49,805,284 8,357,695
30 Fremont Bancorp. Calif. 103.96 105.96 1,985,333 1,909,784 117,224
31 Spirit Bankcorp Inc. Bristow, Okla. 103.84 102.52 1,130,940 1,089,131 95,826
32 Capital One Financial Corp. McLean, Va. 103.55 78.93 126,550,123 122,210,762 26,541,569
33 Bancorp Rhode Island Inc. Providence, R.I. 103.12 101.23 1,155,489 1,120,524 128,678
34 Lakeside Bancorp Inc. Chicago 102.92 101.65 942,633 915,850 97,386
35 Salem Five Bancorp Mass. 102.75 102.78 1,925,948 1,874,468 266,437
36 Taylor Capital Group Inc. Rosemont, Ill. 102.23 101.97 3,094,358 3,026,906 208,801
37 S.Y. Bancorp Inc. Louisville, Ky. 101.83 101.02 1,520,827 1,493,468 169,860
38 Franklin Financial Services Corp. Chambersburg, Pa. 101.81 100.09 748,642 735,351 82,639
39 Eagle Bancorp Inc. Bethesda, Md. 101.70 95.93 1,756,071 1,726,800 203,187
40 State Bankshares Inc. Fargo, N.D. 101.46 108.04 1,792,389 1,766,667 158,993
41 S&T Bancorp Inc. Indiana, Pa. 101.40 103.02 3,363,927 3,317,524 578,665
42 Chinatrust Capital Corp. Torrance, Calif. 101.12 79.58 971,775 961,017 472,585
43 Camden National Corp. Maine 100.85 102.07 1,530,280 1,517,396 205,995
44 Valley National Bancorp Wayne, N.J. 100.65 98.41 9,424,753 9,363,614 1,295,205
45 FSB Mutual Holdings Inc. Perkasie, Pa. 100.61 104.82 701,525 697,254 151,604
46 BTC Financial Corp. Des Moines, Iowa 100.17 109.21 2,065,297 2,061,732 161,689
47 BB&T Corp. Winston-Salem, N.C. 100.04 92.36 107,263,604 107,225,278 16,436,219
48 Boston Private Financial Holdings Inc. 100.02 101.43 4,489,492 4,488,816 518,878
49 Fidelity Southern Corp. Atlanta 100.00 91.64 1,613,270 1,613,248 140,511
50 Nara Bancorp Inc. Los Angeles 99.93 92.28 2,174,672 2,176,114 358,564
51 Wilshire Bancorp Inc. Los Angeles 99.62 88.55 2,456,625 2,466,011 229,162
52 Bank of Commerce Holdings Redding, Calif. 99.23 98.13 643,701 648,702 101,148
53 Mercantile Bank Corp. Grand Rapids, Mich. 99.12 109.86 1,262,631 1,273,832 125,936
54 Commonwealth Bankshares Inc. Norfolk, Va. 99.07 95.39 951,337 960,235 44,063
55 U.S. Bancorp Minneapolis 99.04 108.89 202,295,000 204,252,000 29,519,000
56 Machias Bancorp MHC Maine 99.03 120.28 842,097 850,352 111,667
57 First BanCorp. San Juan, Puerto Rico 98.98 109.87 11,935,703 12,059,108 1,151,662
58 Bar Harbor Bankshares Maine 98.92 104.42 700,670 708,328 103,608
59 Virginia Commerce Bancorp Inc. Arlington 98.88 102.35 2,222,082 2,247,201 245,594
60 Popular Inc. Hato Rey, Puerto Rico 98.87 91.82 26,459,000 26,762,000 3,801,000
61 First Community Financial Partners Inc. Joliet, Ill. 98.86 103.61 790,415 799,566 80,055
62 Comerica Inc. Dallas 98.80 106.18 40,258,275 40,748,407 5,793,363
63 Independent Bank Corp. Rockland, Mass. 98.74 100.95 3,583,154 3,629,007 436,472
64 Washington Trust Bancorp Inc. Westerly, R.I. 98.68 100.34 2,009,532 2,036,369 268,864
65 Carolina Financial Corp. Charleston, S.C. 98.25 101.37 681,214 693,353 46,494
66 Cathay General Bancorp El Monte, Calif. 98.17 92.55 6,863,873 6,991,847 1,427,659
67 Bank of America Corp. Charlotte, N.C. 98.08 96.72 993,149,151 1,012,628,776 228,248,104
68 Republic Bancorp Co. Oak Brook, Ill. 97.94 95.80 1,163,287 1,187,701 144,401
69 RBC USA Holdco Corp. New York 97.87 NA 21,112,681 21,572,136 9,740,162
70 Bank of Highland Park Financial Corp. Ill. 97.77 98.85 952,124 973,801 73,864
71 Summit Financial Group Inc. Moorefield, W.Va. 97.67 113.47 1,012,830 1,036,939 89,821
72 ATBancorp Dubuque, Iowa 97.41 91.84 750,919 770,866 73,194
73 Fifth Third Bancorp Cincinnati 97.28 93.20 79,707,598 81,932,075 14,050,558
74 SunTrust Banks Inc. Atlanta 97.10 97.11 119,475,313 123,043,682 23,000,235
75 Fulton Financial Corp. Lancaster, Pa. 97.00 99.67 12,017,247 12,388,581 1,880,389
76 Patriot Bancshares Inc. Houston 96.78 100.44 981,243 1,013,921 105,645
77 Olney Bancshares of Texas Inc. 96.75 102.24 1,378,397 1,424,660 164,868
78 Marshall & Ilsley Corp. Milwaukee 96.64 106.37 36,999,357 38,286,531 6,327,935
79 Tower Bancorp Inc. Harrisburg, Pa. 96.51 94.23 2,219,525 2,299,898 256,640
80 River Valley Bancorp. Inc. Wausau, Wis. 96.36 99.44 764,925 793,846 66,583
81 Community Trust Bancorp Inc. Pikeville, Ky. 96.29 99.00 2,605,635 2,706,117 338,638
82 Beacon Bancorp Taunton, Mass. 96.23 106.70 894,077 929,138 180,488
83 Wells Fargo & Co. San Francisco 95.64 100.24 811,320,000 848,328,000 126,408,000
84 Wintrust Financial Corp. Lake Forest, Ill. 95.62 87.81 10,330,235 10,803,673 1,436,549
85 Macatawa Bank Corp. Holland, Mich. 95.54 106.72 1,219,733 1,276,620 67,842
86 First Bancorp Inc. Lebanon, Va. 95.43 101.92 961,967 1,008,040 99,932
87 NRBC Holding Corp. Chicago 95.37 93.57 1,075,287 1,127,462 120,520
88 Lakeland Financial Corp. Warsaw, Ind. 95.21 108.77 2,095,564 2,201,025 246,997
89 Citizens Financial Group Inc. Providence, R.I. 95.20 97.79 87,770,357 92,197,465 22,693,916
90 Stearns Financial Services Inc. St. Cloud, Minn. 95.15 92.01 989,934 1,040,382 195,580
91 Republic Bancorp Inc. Louisville, Ky. 95.13 87.37 2,190,468 2,302,692 371,376
92 Hawthorn Bancshares Inc. Lee's Summit, Mo. 94.91 103.69 898,473 946,662 101,488
93 Union First Market Bankshares Corp. Richmond, Va. 94.80 100.59 2,911,227 3,070,902 428,085
94 Banner Corp. Walla Walla, Wash. 94.76 98.05 3,403,116 3,591,197 511,472
95 Tennessee Commerce Bancorp Inc. Franklin 94.67 94.27 1,229,811 1,299,051 119,337
96 Longview Financial Corp. Texas 94.54 90.83 1,087,241 1,149,998 122,336
97 Bangor Bancorp MHC Maine 94.26 98.40 1,666,204 1,767,640 264,690
98 Crescent Financial Corp. Cary, N.C. 94.22 105.08 682,493 724,393 79,016
99 Farmers and Merchants Investment Inc. Lincoln, Neb. 94.08 92.95 1,990,429 2,115,745 224,271
100 KeyCorp Cleveland 94.05 96.13 57,039,330 60,646,718 11,117,145
101 First Bancshares Inc. Merrillville, Ind. 93.78 94.54 1,622,586 1,730,127 132,745
102 Independent Alliance Banks Inc. Fort Wayne, Ind. 93.41 97.88 645,876 691,418 92,324
103 Independence Bancshares Inc. Owensboro, Ky. 93.39 97.82 699,987 749,512 52,357
104 USAmeriBancorp Inc. Clearwater, Fla. 93.29 95.79 1,379,750 1,479,007 115,022
105 Central Bancshares Inc. Lexington, Ky. 92.97 101.90 1,769,985 1,903,815 156,244
106 Center Financial Corp. Los Angeles 92.90 87.98 1,645,230 1,771,030 274,012
107 Park National Corp. Newark, Ohio 92.88 89.44 4,732,685 5,095,420 745,824
108 Huntington Bancshares Inc. Columbus, Ohio 92.79 91.78 38,879,737 41,902,186 4,980,126
109 Northwest Financial Corp. Arnolds Park, Iowa 92.70 94.22 976,889 1,053,826 121,480
110 Bank of Marin Bancorp Novato, Calif. 92.68 97.20 941,400 1,015,801 121,920
111 Independent Bank Group Inc. McKinney, Texas 92.67 100.15 860,127 928,200 76,044
112 First Bancorp Troy, N.C. 92.66 90.57 2,458,930 2,653,610 344,603
113 Bank of the Ozarks Inc. Little Rock, Ark. 92.65 93.84 2,353,974 2,540,753 320,355
114 South Shore Bancorp MHC South Weymouth, Mass. 92.43 91.38 606,045 655,682 92,187
115 First National Bank Group Inc. Edinburg, Texas 92.39 92.51 2,661,624 2,880,995 188,513
116 PlainsCapital Corp. Dallas 92.28 106.89 3,615,882 3,918,459 446,491
117 Pacific Mercantile Bancorp Costa Mesa, Calif. 92.19 87.55 752,781 816,559 63,416
118 United Bankshares Inc. Charleston, W.Va. 92.19 96.16 5,267,195 5,713,577 793,012
119 NewBridge Bancorp Greensboro, N.C. 92.06 97.58 1,337,580 1,452,995 163,188
120 Paragon Commercial Corp. Raleigh, N.C. 92.02 107.09 856,651 930,977 66,331
121 Enterprise Bancorp Inc. Lowell, Mass. 91.89 94.55 1,143,346 1,244,252 116,673
122 Hanmi Financial Corp. Los Angeles 91.89 102.51 2,267,126 2,467,271 173,256
123 West Bancorp. Inc. West Des Moines, Iowa 91.88 81.91 893,101 972,072 145,436
124 F.N.B. Corp. Hermitage, Pa. 91.80 91.88 6,100,855 6,646,143 1,066,124
125 Lakeland Bancorp Inc. Oak Ridge, N.J. 91.74 93.50 2,014,617 2,196,087 260,709
126 Amarillo National Bancorp Inc. Texas 91.56 88.04 2,078,831 2,270,358 320,403
127 Horizon Bancorp Michigan City, Ind. 91.50 93.73 901,710 985,498 112,283
128 Shore Bancshares Inc. Easton, Md. 91.41 92.49 895,404 979,516 122,513
129 First Bancorp Inc. Damariscotta, Maine 91.37 103.54 890,402 974,518 149,848
130 First Commonwealth Financial Corp. Indiana, Pa. 91.34 102.19 4,218,083 4,617,852 749,777
131 Big Sandy Holding Co. Longmont, Colo. 91.31 101.05 989,819 1,084,011 28,646
132 Centra Financial Holdings Inc. Morgantown, W.Va. 90.71 92.02 1,059,268 1,167,714 135,848
133 Fishback Financial Corp. Brookings, S.D. 90.66 95.39 1,183,446 1,305,354 141,117
134 Zions Bancorp. Salt Lake City 90.47 96.71 37,035,830 40,938,344 6,648,279
135 Community Trust Financial Corp. Ruston, La. 90.23 90.89 1,423,236 1,577,427 148,606
136 StellarOne Corp. Charlottesville, Va. 90.16 91.55 2,151,719 2,386,610 426,437
137 Provident Financial Services Inc. Iselin, N.J. 90.05 89.15 4,409,813 4,897,292 921,687
138 BancPlus Corp. Ridgeland, Miss. 90.04 95.11 1,501,337 1,667,367 236,391
139 Peoples Bancorp Lynden, Wash. 90.01 92.96 937,033 1,041,036 121,413
140 Reliance Bancshares Inc. Frontenac, Mo. 90.00 90.11 972,128 1,080,159 104,247
141 First State Bancshares Inc. Farmington, Mo. 89.88 94.24 905,098 1,006,984 111,481
142 Cascade Financial Corp. Everett, Wash. 89.66 105.13 993,979 1,108,570 58,452
143 PrivateBancorp Inc. Chicago 89.65 95.59 9,444,998 10,535,430 1,227,877
144 Star Financial Group Inc. Fort Wayne, Ind. 89.61 93.36 1,154,465 1,288,270 134,612
145 Macon Bancorp Franklin, N.C. 89.58 97.61 715,313 798,501 74,420
146 Bryn Mawr Bank Corp. Pa. 89.57 94.76 1,201,556 1,341,451 161,418
147 Synovus Financial Corp. Columbus, Ga. 89.57 93.16 21,945,967 24,500,305 2,997,918
148 ACNB Corp. Gettysburg, Pa. 89.53 88.51 668,359 746,526 93,754
149 Savannah Bancorp Inc. Savannah, Ga. 89.48 99.92 826,562 923,745 85,803
150 Trinity Capital Corp. Los Alamos, N.M. 89.45 85.06 1,215,018 1,358,345 123,455
151 Pacific Continental Corp. Eugene, Ore. 89.35 114.01 859,102 961,464 172,238
152 Eastern Virginia Bankshares Inc. Tappahannock 89.23 99.56 774,774 868,275 91,418
153 Regions Financial Corp. Birmingham, Ala. 89.21 93.47 84,415,006 94,626,589 16,734,442
154 BancIndependent Inc. Sheffield, Ala. 89.20 94.73 745,250 835,484 90,801
155 Heartland Bancorp Inc. Bloomington, Ill. 89.19 88.97 1,239,095 1,389,258 142,529
156 VIST Financial Corp. Wyomissing, Pa. 89.17 89.42 1,024,828 1,149,293 132,447
157 Old Second Bancorp Inc. Aurora, Ill. 89.10 94.02 1,700,784 1,908,805 83,958
158 BBVA USA Bancshares Inc. Houston 89.07 91.90 40,441,825 45,402,762 12,157,723
159 Peoplesbancorp MHC Holyoke, Mass. 88.93 98.94 1,010,616 1,136,418 144,115
160 Johnson Financial Group Inc. Racine, Wis. 88.90 94.43 3,966,267 4,461,428 144,100
161 Cascade Bancorp Bend, Ore. 88.87 85.26 1,223,711 1,376,899 10,056
162 Porter Bancorp Inc. Louisville 88.78 92.36 1,303,013 1,467,668 189,415
163 First Business Financial Services Inc. Madison, Wis. 88.75 86.74 877,206 988,349 55,335
164 First Co Bancorp Inc. Collinsville, Ill. 88.73 99.30 798,409 899,805 90,171
165 CNLBancshares Inc. Orlando 88.69 92.32 1,069,204 1,205,586 117,308
166 South Plains Financial Inc. Lubbock, Texas 88.69 89.95 1,565,762 1,765,396 129,265
167 Encore Bancshares Inc. Houston 88.66 90.55 931,372 1,050,444 166,641
168 BCB Bancorp Inc. Bayonne, N.J. 88.59 88.72 785,164 886,288 98,974
169 American National Corp. Omaha 88.57 91.58 1,166,349 1,316,868 205,231
170 SCBT Financial Corp. Columbia, S.C. 88.54 105.52 2,659,942 3,004,148 329,957
171 Four Oaks Fincorp Inc. N.C. 88.46 93.36 680,428 769,216 37,949
172 MetroCorp Bancshares Inc. Houston 88.25 93.21 1,144,310 1,296,705 158,767
173 PacWest Bancorp Los Angeles 88.25 106.16 4,108,149 4,655,107 478,797
174 Trustmark Corp. Jackson, Miss. 88.20 91.06 6,213,286 7,044,567 1,149,484
175 Heritage Financial Corp. Olympia, Wash. 88.13 91.91 1,002,546 1,137,601 202,279
176 Assabet Valley Bancorp Hudson, Mass. 88.09 96.11 681,244 773,360 78,645
177 Green Bankshares Inc. Greeneville, Tenn. 87.97 97.57 1,746,677 1,985,600 143,897
178 National Penn Bancshares Inc. Boyertown, Pa. 87.91 89.40 5,326,723 6,059,173 1,137,437
179 Indiana Community Bancorp Columbus, Ind. 87.74 87.98 755,067 860,526 88,649
180 Capitol Bancorp Ltd. Lansing, Mich. 87.68 92.12 2,838,087 3,236,819 -61,854
181 Univest Corp. of Pennsylvania Souderton 87.49 91.27 1,475,364 1,686,270 266,224
182 First Merchants Corp. Muncie, Ind. 87.40 92.68 2,857,152 3,268,880 454,408
183 NBT Bancorp Inc. Norwich, N.Y. 87.32 89.06 3,610,006 4,134,352 533,572
184 TriState Capital Holdings Inc. Pittsburgh 87.29 96.74 1,283,745 1,470,600 176,521
185 Firstbank Corp. Alma, Mich. 87.19 97.09 1,033,773 1,185,631 148,428
186 Peoples Bancorp of North Carolina Inc. Newton 87.04 96.49 729,974 838,712 96,857
187 CoBiz Financial Inc. Denver 87.00 90.55 1,643,727 1,889,368 201,738
188 East West Bancorp Inc. Pasadena, Calif. 87.00 93.78 13,694,826 15,741,524 2,113,931
189 State Capital Corp. Greenwood, Miss. 86.81 91.68 629,185 724,787 110,322
190 First California Financial Group Inc. Westlake Village 86.62 83.51 1,001,615 1,156,288 198,041
191 Midwest Bankcentre Inc. St. Louis 86.60 80.85 660,893 763,142 115,523
192 Minnwest Corp. Montevideo, Minn. 86.44 92.81 1,199,957 1,388,192 136,091
193 Amboy Bancorp. Old Bridge, N.J. 86.42 82.37 1,565,761 1,811,736 108,342
194 Durant Bancorp Inc. Okla. 86.25 81.87 1,493,160 1,731,125 181,690
195 Heritage Commerce Corp. San Jose, Calif. 86.23 99.23 857,059 993,918 182,152
196 Standard Bancshares Inc. Hickory Hills, Ill. 86.22 94.73 1,684,501 1,953,620 221,086
197 Sun Bancorp Inc. Vineland, N.J. 86.22 93.41 2,535,170 2,940,459 268,242
198 Coppermark Bancshares Inc. Oklahoma City 86.20 94.61 932,260 1,081,554 103,514
199 First Financial Corp. Terre Haute, Ind. 86.19 91.18 1,640,146 1,903,043 321,717
200 First NBC Bank Holding Co. New Orleans 86.16 88.00 1,115,648 1,294,782 131,110

Among 500 top-tier bank holding companies that file Y-9C statements with the Federal Reserve. *Includes leases. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of May 25, 2011.

Source:

SNL Financial
, Charlottesville, Va.
© 2011 American Banker

Banks, thrifts and holding companies