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Highest Loan/Deposit Ratios Among Bank Holding Companies

October 25, 2011, 3:01 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 June 30, 2011. Dollars in thousands
Published October 25, 2011
Rank   Loans as a % of deposits Loans* Deposits Equity capital
June 30 Year earlier
1 Educational Services of America Inc. Knoxville, Tenn. 959.71% 1,049.85% $1,114,385 $116,117 $220,568
2 MetLife Inc. New York 848.25 786.64 85,008,988 10,021,687 53,708,848
3 CIT Group Inc. New York 536.06 626.12 23,738,367 4,428,268 8,942,906
4 Utrecht-America Holdings Inc. New York 326.21 372.64 26,224,000 8,039,000 1,964,000
5 Ally Financial Inc. Detroit 293.05 305.82 117,893,000 40,229,000 20,425,000
6 Marlin Business Services Corp. Mount Laurel, N.J. 289.47 402.16 360,700 124,609 161,571
7 American Express Co. New York 261.69 270.42 98,198,000 37,524,000 18,210,000
8 Taunus Corp. New York 244.19 125.66 57,364,000 23,492,000 5,004,000
9 Discover Financial Services Riverwoods, Ill. 149.61 144.15 52,928,951 35,378,210 7,747,267
10 Doral Financial Corp. San Juan, Puerto Rico 139.22 NA 5,990,532 4,302,792 864,260
11 Barclays Delaware Holdings LLC Wilmington 139.11 NA 9,781,513 7,031,446 4,077,685
12 Cass Information Systems Inc. Bridgeton, Mo. 137.77 146.57 718,786 521,712 152,080
13 United National Corp. Sioux Falls, S.D. 135.89 152.07 1,256,090 924,322 761,151
14 Goldman Sachs Group Inc. New York 134.52 81.74 52,375,000 38,934,000 73,548,000
15 New York Community Bancorp Inc. Westbury 132.62 129.02 28,995,435 21,863,459 5,566,703
16 Central Bancorp Inc. Somerville, Mass. 130.90 133.89 417,952 319,285 47,156
17 First National Bankers Bankshares Inc. Baton Rouge, La. 125.99 158.11 408,395 324,153 136,091
18 Republic Bancorp Inc. Louisville, Ky. 125.33 120.89 2,244,153 1,790,661 445,743
19 Investors Bancorp MHC Millburn, N.J. 125.18 119.43 8,604,366 6,873,697 938,892
20 TCF Financial Corp. Wayzata, Minn. 122.01 126.47 14,631,945 11,992,603 1,769,645
21 Diamond Bancorp Inc. Washington, Mo. 120.00 122.86 676,956 564,149 70,512
22 BBVA PR Holding Corp. San Juan, Puerto Rico 119.50 127.82 3,495,674 2,925,199 567,560
23 Brookline Bancorp Inc. Mass. 119.35 NA 2,589,151 2,169,421 503,716
24 Cardinal Financial Corp. McLean, Va. 117.04 118.46 1,694,570 1,447,815 237,530
25 Lauritzen Corp. Omaha, Neb. 116.74 121.56 783,684 671,291 544,445
26 Texas Capital Bancshares Inc. Dallas 115.96 110.85 6,287,018 5,421,748 564,088
27 F&M Bank Corp. Timberville, Va. 115.46 111.75 501,609 434,427 45,672
28 First National Bancshares Inc. East Lansing, Mich. 115.25 112.89 443,699 384,986 93,702
29 Access National Corp. Reston, Va. 113.64 87.99 577,193 507,913 77,819
30 Rockville Financial Inc. Conn. 112.61 120.55 1,445,663 1,283,750 332,125
31 First Financial Banc Corp. El Dorado, Ark. 112.60 116.30 656,067 582,675 60,641
32 Northern Bancorp Inc. Woburn, Mass. 111.43 110.24 593,195 532,329 65,910
33 Community West Bancshares Goleta, Calif. 111.25 112.02 568,625 511,134 61,838
34 Chicopee Bancorp Inc. Mass. 110.77 119.68 447,689 404,151 91,060
35 Norway Bancorp MHC Maine 110.64 117.33 781,639 706,448 103,560
36 Hills Bancorp. Iowa 110.61 110.64 1,640,219 1,482,910 199,669
37 C&F Financial Corp. West Point, Va. 110.26 114.10 690,269 626,026 99,108
38 State Bankshares Inc. Fargo, N.D. 109.92 109.06 1,879,654 1,709,958 142,031
39 Southern National Bancorp of Virginia Inc. McLean 109.81 NA 476,987 434,385 101,800
40 Pedcor Capital LLC Carmel, Ind. 109.60 86.73 130,358 118,936 44,925
41 Alikat Investments Inc. Gurnee, Ill. 109.58 109.38 352,489 321,669 40,042
42 Ambank Co. Inc. Sioux Center, Iowa 109.05 104.70 671,718 615,970 63,964
43 BTC Financial Corp. Des Moines, Iowa 108.55 106.12 2,106,066 1,940,198 173,600
44 Santander BanCorp San Juan, Puerto Rico 108.18 116.49 5,427,064 5,016,529 759,956
45 North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 107.51 NA 569,951 530,135 53,470
46 Androscoggin Bancorp MHS Lewiston, Maine 107.10 112.34 553,792 517,096 74,724
47 Coastal Affiliates MHC Hyannis, Mass. 106.49 103.15 498,258 467,886 60,307
48 Security State Bancshares Inc. Charleston, Mo. 106.37 105.32 518,045 487,021 39,314
49 Southwest Bancorp Inc. Stillwater, Okla. 106.36 104.31 2,227,352 2,094,236 376,930
50 Adbanc Inc. Ogallala, Neb. 106.25 NA 448,905 422,479 64,521
51 United Community Financial Corp. Grand Rapids, Mich. 106.23 104.46 367,443 345,891 37,120
52 Guaranty Federal Bancshares Inc. Springfield, Mo. 105.75 100.67 513,668 485,745 53,607
53 Sword Financial Corp. Horicon, Wis. 105.71 104.76 462,198 437,227 35,434
54 BSB Bancorp MHC Belmont, Mass. 105.35 102.42 418,082 396,840 46,994
55 Foster Bankshares Inc. Chicago 105.29 112.62 447,360 424,872 35,074
56 Bancorp Rhode Island Inc. Providence 105.20 96.80 1,152,677 1,095,714 133,532
57 Parke Bancorp Inc. Swell, N.J. 104.92 110.49 631,521 601,879 74,982
58 Franklin Resources Inc. San Mateo, Calif. 104.82 69.03 723,247 689,967 8,798,597
59 Machias Bancorp MHC Maine 104.77 102.65 829,304 791,566 116,869
60 Camco Financial Corp. Cambridge, Ohio 104.61 106.01 662,934 633,725 46,095
61 F&M Financial Corp. Granite Quarry, N.C. 104.19 105.63 486,309 466,748 74,568
62 Delta Bancshares Co. Eureka, Mo. 103.98 107.38 445,265 428,221 60,133
63 Stearns Financial Services Inc. St. Cloud, Minn. 103.94 88.68 1,024,402 985,548 194,381
64 East Asia Holding Co. Inc. New York 103.83 137.39 577,351 556,040 137,315
65 Southern First Bancshares Inc. Greenville, S.C. 103.61 108.15 577,981 557,829 60,755
66 First Horizon National Corp. Memphis, Tenn. 103.54 116.16 16,460,096 15,896,745 2,681,382
67 HSBC North America Holdings Inc. Buffalo, N.Y. 103.52 129.74 132,592,625 128,078,903 35,829,544
68 Washington Trust Bancorp Inc. Westerly, R.I. 103.50 101.61 2,065,977 1,996,054 281,425
69 County Bancorp Inc. Manitowoc, Wis. 103.48 101.15 584,793 565,130 57,011
70 Cecil Bancorp Inc. Elkton, Md. 103.16 113.24 354,079 343,232 34,644
71 Ida Grove Bancshares Inc. Iowa 103.14 105.56 901,914 874,461 103,096
72 Manhattan Banking Corp. Kan. 103.07 106.23 620,803 602,291 60,598
73 Clayton Bancorp Inc. Knoxville, Tenn. 102.83 102.02 727,620 707,579 119,843
74 Capital One Financial Corp. McLean, Va. 102.81 108.88 129,663,135 126,117,025 28,682,821
75 CB&T Holding Corp. New Orleans 102.79 99.10 509,431 495,602 48,079
76 First Paragould Bankshares Inc. Ark. 102.70 105.04 524,403 510,625 77,808
77 Cecil Bankshares Corp. Patten, Maine 102.53 102.29 427,639 417,079 53,735
78 Susquehanna Bancshares Inc. Lititz, Pa. 102.48 106.73 9,636,187 9,402,691 2,022,901
79 Park Bancorp. Inc. Madison, Wis. 102.31 107.98 641,263 626,804 58,216
80 FSB Mutual Holdings Inc. Perkasie, Pa. 102.26 101.85 707,658 692,028 148,898
81 Wilshire Bancorp Inc. Los Angeles 101.84 88.62 2,197,716 2,158,100 290,168
82 Voyager Financial Services Corp. Eden Prairie, Minn. 101.76 103.63 343,417 337,479 679
First Western Financial Inc. Denver 101.76 119.32 519,985 511,007 77,619
84 Eagle Bancorp Inc. Bethesda, Md. 101.71 96.89 1,973,965 1,940,834 217,044
85 TFC Holding Co. Alhambra, Calif. 101.22 100.49 346,440 342,262 51,858
86 JJR Holding Co. Inc. Brick, N.J. 101.15 89.77 447,443 442,350 70,267
87 Adam Bank Group Inc. Tampa, Fla. 101.03 NA 503,703 498,568 148,864
88 S.Y. Bancorp Inc. Louisville, Ky. 100.72 100.69 1,543,443 1,532,371 178,825
89 First Connecticut Bancorp Inc. Farmington 100.57 102.72 1,194,777 1,187,997 263,047
90 Southern Missouri Bancorp Inc. Poplar Bluff 100.51 NA 563,015 560,151 55,732
91 Camden National Corp. Maine 100.41 99.57 1,553,311 1,547,025 218,241
92 Taylor Capital Group Inc. Rosemont, Ill. 100.32 99.83 2,916,075 2,906,777 242,554
93 Bar Harbor Bankshares Maine 100.30 102.48 731,292 729,115 110,930
94 Nara Bancorp Inc. Los Angeles 99.88 101.77 2,229,565 2,232,180 372,539
95 Liberty Bancshares Inc. Springfield, Mo. 99.73 104.89 883,644 886,014 88,531
Sinopac Bancorp Los Angeles 99.73 97.45 1,075,057 1,077,973 358,999
97 Citizens Bancshares Inc. Bluffton, Ohio 99.57 94.85 404,220 405,977 52,492
98 Olney Bancshares of Texas Inc.. 99.50 97.88 1,448,461 1,455,809 178,374
99 Bank of Commerce Holdings Redding, Calif. 99.43 99.60 621,848 625,431 108,194
100 Spirit Bankcorp Inc. Bristow, Okla. 99.35 102.26 1,028,178 1,034,854 96,978
101 PSB Holdings Inc. Wausau, Wis. 99.33 98.75 445,881 448,877 48,731
102 First Citizens Bancshares Inc. Waxahachie, Texas 99.27 NA 445,971 449,262 42,943
103 Valley National Bancorp Wayne, N.J. 99.10 100.19 9,619,408 9,706,447 1,311,218
104 First Mutual of Richmond Inc. Ind. 99.05 108.53 574,096 579,610 71,330
105 Lake Michigan Financial Corp. Holland, Mich. 99.03 104.66 771,926 779,497 69,312
106 M&T Bank Corp. Buffalo, N.Y. 98.84 107.45 58,541,229 59,229,215 9,244,194
107 Waupaca Bancorp. Inc. Wis. 98.81 97.11 670,792 678,853 79,182
108 Mackinac Financial Corp. Manistique, Mich. 98.79 94.84 394,812 399,667 54,784
109 Salem Five Bancorp Mass. 98.72 105.55 1,933,466 1,958,544 276,379
110 SBT Bancshares Inc. Dallas 98.68 121.90 492,055 498,615 79,738
111 Chambers Bancshares Inc. Danville, Ark. 98.67 99.48 591,327 599,304 41,288
Montgomery Bancorp. Inc. Sikeston, Mo. 98.67 101.27 733,666 743,571 47,499
113 Independent Bank Corp. Rockland, Mass. 98.55 93.59 3,737,103 3,792,032 455,702
114 Passumpsic Bancorp St. Johnsbury, Vt. 98.52 101.76 434,198 440,719 58,698
115 S&T Bancorp Inc. Indiana, Pa. 98.43 103.02 3,202,837 3,253,983 592,537
116 Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb. 98.08 97.43 513,794 523,849 58,537
117 Gorham Bancorp MHC Maine 97.95 106.58 635,748 649,040 76,639
118 Fifth Third Bancorp Cincinnati 97.91 95.19 79,151,869 80,842,315 12,601,183
119 Lakeside Bancorp Inc. Chicago 97.85 98.38 927,025 947,388 91,499
120 BancWest Corp. San Francisco 97.76 110.33 51,074,376 52,242,963 8,207,666
121 Anchor Bancorp Inc. Lacey, Wash. 97.72 NA 333,075 340,850 57,452
122 Marshall & Ilsley Corp. Milwaukee 97.65 104.22 33,900,476 34,716,486 6,179,264
123 Nicolet Bankshares Inc. Green Bay, Wis. 97.62 100.20 499,711 511,893 66,800
124 Cascade Bancorp Bend, Ore. 97.50 85.59 1,126,288 1,155,176 212,614
125 QCR Holdings Inc. Moline, Ill. 97.49 108.08 1,183,894 1,214,314 137,325
BB&T Corp. Winston-Salem, N.C. 97.49 100.24 105,350,334 108,064,283 17,048,721
127 Cathay General Bancorp El Monte, Calif. 97.29 94.05 6,916,175 7,109,149 1,481,866
128 Independent Holdings Inc. Memphis, Tenn. 97.20 100.56 701,117 721,336 59,944
129 First BanCorp. San Juan, Puerto Rico 97.12 98.82 10,753,613 11,072,728 1,009,578
130 Fulton Financial Corp. Lancaster, Pa. 97.04 97.50 11,899,624 12,262,895 1,953,309
131 Franklin Financial Services Corp. Chambersburg, Pa. 96.99 103.59 771,997 795,984 86,195
132 Boston Private Financial Holdings Inc. 96.93 103.01 4,414,065 4,553,946 560,180
133 Marine Bancorp Inc. Springfield, Ill. 96.86 97.24 470,087 485,338 42,252
134 NRBC Holding Corp. Chicago 96.76 92.87 1,061,758 1,097,320 123,294
135 Monarch Financial Holdings Inc. Chesapeake, Va. 96.48 109.46 704,571 730,270 74,108
136 Hampden Bancorp Inc. Springfield, Mass. 96.44 99.73 403,578 418,493 93,516
137 Pacific City Financial Corp. Los Angeles 96.40 105.92 435,679 451,961 56,880
138 Metropolitan Bank Holding Corp. New York 96.33 101.31 443,211 460,106 46,802
139 Fremont Bancorp. Calif. 96.29 98.87 1,833,876 1,904,439 124,447
140 Farmers Bancorp Inc. Blytheville, Ark. 96.22 99.20 328,656 341,571 30,985
141 Beacon Bancorp Taunton, Mass. 96.07 97.00 928,616 966,651 188,915
142 Choice Financial Holdings Inc. Grafton, N.D. 96.05 95.67 475,015 494,566 38,191
143 Integrity Bancshares Inc. Camp Hill, Pa. 96.02 NA 497,892 518,526 31,239
144 Citizens Financial Group Inc. Providence, R.I. 96.00 97.60 87,897,159 91,558,113 23,132,425
ATBancorp Dubuque, Iowa 96.00 101.15 746,328 777,438 78,054
146 Unity Bancorp Inc. Clinton, N.J. 95.93 91.91 615,105 641,173 72,207
147 Dimeco Inc. Honesdale, Pa. 95.87 NA 433,041 451,695 53,164
148 Delmar Bancorp Md. 95.75 96.45 349,560 365,085 40,706
149 Tower Bancorp Inc. Harrisburg, Pa. 95.73 93.10 2,055,531 2,147,200 256,888
150 Capitol Bancorp. Inc. Britton, S.D. 95.68 98.38 465,612 486,641 133,280
151 Virginia Commerce Bancorp Inc. Arlington 95.66 97.66 2,155,833 2,253,742 267,124
152 Banner Corp. Walla Walla, Wash. 95.39 94.60 3,306,667 3,466,400 511,026
153 F&M Financial Corp. Clarksville, Tenn. 95.32 98.67 615,754 646,017 55,598
154 Business Bancshares Inc. Clayton, Mo. 95.20 98.07 395,806 415,783 51,587
155 Community Trust Financial Corp. Ruston, La. 95.12 84.09 1,610,184 1,692,734 182,510
156 Centra Financial Holdings Inc. Morgantown, W.Va. 95.11 86.00 1,055,231 1,109,529 131,605
157 First Community Financial Partners Inc. Joliet, Ill. 95.10 98.06 767,535 807,067 86,931
Harleysville Savings Financial Corp. Pa. 95.10 98.90 512,654 539,059 56,551
159 Huntington Bancshares Inc. Columbus, Ohio 94.94 94.59 39,342,591 41,440,099 5,302,643
160 Community Capital Corp. Greenwood, S.C. 94.77 89.35 449,800 474,630 49,326
161 BOH Holdings Inc. Houston 94.72 NA 483,303 510,263 66,959
162 Magyar Bancorp MHC New Brunswick, N.J. 94.67 96.43 398,552 421,013 44,436
163 GSB MHC Greenfield, Mass. 94.60 89.09 414,832 438,493 66,736
Summit Financial Group Inc. Moorefield, W.Va. 94.60 106.39 989,579 1,046,094 91,859
165 First Community Bancshares Inc. Batesville, Ark. 94.58 96.79 540,662 571,617 64,483
166 Park Sterling Corp. Charlotte, N.C. 94.57 NA 381,965 403,906 173,584
167 Lakeland Financial Corp. Warsaw, Ind. 94.51 96.62 2,151,535 2,276,499 259,400
168 IBT Holdings Corp. City of Industry, Calif. 94.50 80.15 300,395 317,881 111,311
169 New England Bancshares Inc. Enfield, Conn. 94.46 100.25 533,670 564,995 71,764
170 Community Bancorp Derby, Vt. 94.37 99.94 393,483 416,940 40,155
Union First Market Bankshares Corp. Bowling Green, Va. 94.37 93.48 2,909,989 3,083,544 443,116
Farmers and Merchants Investment Inc. Lincoln, Neb. 94.37 97.58 1,919,411 2,034,009 279,915
173 Bank of America Corp. Charlotte, N.C. 94.34 103.26 981,298,120 1,040,171,857 223,332,883
174 Savannah Bancorp Inc. Ga. 94.17 79.30 807,533 857,482 85,134
175 Bryn Mawr Bank Corp. Pa. 94.16 94.76 1,259,371 1,337,461 183,383
176 Alliance Financial Services Inc. St. Paul, Minn. 94.03 95.48 501,967 533,811 54,071
177 PlainsCapital Corp. Dallas 94.01 99.40 3,725,293 3,962,672 465,376
178 River Valley Bancorp. Inc. Merrill, Wis. 94.00 93.62 755,326 803,535 67,510
179 Bank of Highland Park Financial Corp. Ill. 93.97 97.34 875,829 931,998 79,575
180 Comerica Inc. Dallas 93.80 102.00 39,212,295 41,802,773 6,038,095
181 Associated Banc-Corp Green Bay, Wis. 93.66 76.15 13,173,912 14,066,050 2,999,148
182 SunTrust Banks Inc. Atlanta 93.63 97.84 117,027,662 124,984,593 19,659,932
183 Independent Bank Group Inc. McKinney, Texas 93.59 99.25 937,717 1,001,953 80,049
184 RBC USA Holdco Corp. New York 93.58 NA 19,829,358 21,189,303 9,114,141
185 Central Bancshares Inc. Lexington, Ky. 93.49 99.09 1,706,167 1,825,069 162,165
186 North State Bancorp Raleigh, N.C. 93.48 93.08 529,903 566,873 38,132
187 First Bancorp Inc. Lebanon, Va. 93.40 95.11 959,165 1,026,955 104,630
188 U.S. Bancorp Minneapolis 93.37 105.21 200,635,000 214,883,000 33,341,000
189 BankFirst Capital Corp. Macon, Miss. 93.36 79.12 529,232 566,853 56,333
190 Mesaba Bancshares Inc. Grand Rapids, Minn. 93.31 95.76 612,578 656,530 31,850
191 Wintrust Financial Corp. Lake Forest, Ill. 93.28 92.82 10,502,446 11,259,260 1,473,612
192 First Community Holdings Santa Rosa, Calif. 93.22 97.24 527,914 566,329 52,932
193 Commonwealth Bankshares Inc. Norfolk, Va. 93.18 93.17 839,654 901,098 -4,300
194 Teche Holding Co. New Iberia, La. 93.11 NA 584,189 627,426 78,581
195 Encore Bancshares Inc. Houston 93.09 87.58 971,430 1,043,500 171,714
Jacksonville Bancorp Inc. Fla. 93.09 97.56 485,442 521,483 54,575
197 Tri-County Financial Corp. Waldorf, Md. 93.08 92.70 699,347 751,360 70,944
198 USAmericibancorp Inc. Clearwater, Fla. 92.84 101.77 1,527,275 1,645,131 143,438
199 Longview Financial Corp. Texas 92.83 89.86 1,097,260 1,181,973 129,613
200 Bangor Bancorp MHC Maine 92.80 97.18 1,700,547 1,832,474 275,871

Among 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 June 30, 2011.

Source:

Financial Information Systems LLC

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