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Highest Loan/Deposit Ratios Among Bank Holding Companies

May 14, 2013, 8:45 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 Sept. 30, 2012. Dollars in thousands
Published May 14, 2013
Rank   Loans as a % of deposits Loans* Deposits Equity capital
Sept. 30 Year earlier
1 MetLife Inc. New York 1,234.18 794.32 $80,409,300 $6,515,179 $64,397,903
2 Educational Services of America Inc. Knoxville, Tenn. 1,041.38 919.86 1,620,346 155,596 248,502
3 Principal Financial Group Inc. Des Moines, Iowa 604.86 NA 13,050,969 2,157,691 9,906,893
4 Utrecht-America Holdings Inc. New York 319.44 322.57 27,041,000 8,465,000 1,879,000
5 Ally Financial Inc. Detroit 255.26 278.36 123,197,000 48,264,000 18,766,000
6 American Express Co. New York 247.28 254.66 103,308,000 41,778,000 19,495,000
7 CIT Group Inc. New York 243.95 466.87 21,246,328 8,709,324 8,090,910
8 Ameriprise Financial Inc. Minneapolis 222.36 NA 9,889,168 4,447,294 9,821,160
9 United National Corp. Sioux Falls, S.D. 169.21 158.13 1,334,096 788,437 965,281
10 Oritani Financial Corp. Township of Washington, N.J. 155.52 NA 2,148,877 1,381,760 515,853
11 Doral Financial Corp. San Juan, Puerto Rico 143.26 140.89 6,610,766 4,614,438 810,991
12 Discover Financial Services Riverwoods, Ill. 140.98 143.15 59,347,533 42,096,084 9,176,714
13 Marlin Business Services Corp. Mount Laurel, N.J. 139.58 236.46 477,666 342,218 171,499
14 Texas Capital Bancshares Inc. Dallas 139.45 131.46 9,368,015 6,717,593 802,851
15 Barclays Delaware Holdings LLC Wilmington 139.24 150.63 13,107,438 9,413,859 4,317,565
16 Malaga Financial Corp. Palos Verdes Estates, Calif. 138.02 NA 790,567 572,791 87,821
17 Midland Financial Co. Oklahoma City 135.09 NA 7,835,976 5,800,560 1,145,464
18 Central Bancorp Inc. Somerville, Mass. 134.63 128.97 478,296 355,276 45,523
19 Pedcor Capital LLC Carmel, Ind. 133.51 105.39 133,146 99,728 45,192
20 Fidelity Holding Co. Minnetonka, Minn. 133.04 108.60 395,921 297,595 60,489
21 Dime Community Bancshares Inc. New York 131.47 NA 3,326,380 2,530,232 387,538
22 Lamplighter Financial MHC Wauwatosa, Wis. 130.74 NA 1,283,975 982,100 125,185
23 Republic Bancorp Inc. Louisville, Ky. 128.71 123.43 2,645,742 2,055,610 557,756
24 New York Community Bancorp Inc. Westbury 127.62 131.59 31,435,343 24,631,436 5,646,765
25 Astoria Financial Corp. Lake Success, N.Y. 126.37 NA 13,573,686 10,741,195 1,295,074
26 Cass Information Systems Inc. Bridgeton, Mo. 124.23 125.94 681,174 548,334 174,575
27 Raymond James Financial Inc. St. Petersburg, Fla. 123.07 NA 10,583,277 8,599,712 3,680,282
28 Capitol Federal Financial Inc. Topeka, Kan. 121.92 NA 5,619,918 4,609,548 1,806,458
29 Viewpoint Financial Group Inc. Plano, Texas 119.71 NA 2,665,828 2,226,813 516,353
30 First Connecticut Bancorp Inc. Farmington 119.16 97.94 1,507,881 1,265,477 242,199
31 Investors Bancorp MHC Millburn, N.J. 118.95 122.73 9,460,862 7,953,753 1,048,639
32 Northern Bankshares Inc. McFarland, Wis. 118.70 NA 369,132 310,990 32,497
33 F&M Bank Corp. Timberville, Va. 118.58 116.13 528,218 445,457 48,835
34 Brookline Bancorp Inc. Mass. 116.19 122.19 4,146,315 3,568,681 610,217
35 Hudson City Bancorp Inc. Paramus, N.J. 115.89 NA 27,839,198 24,022,181 4,712,256
  Cardinal Financial Corp. McLean, Va. 115.89 115.13 2,525,277 2,178,963 289,549
37 BSB Bancorp MHC Belmont, Mass. 115.47 83.32 667,374 577,961 132,698
38 Community Financial Corp. Staunton, Va. 115.44 NA 435,133 376,941 51,645
39 Flagstar Bancorp Inc. Troy, Mich. 115.00 NA 11,059,325 9,616,989 1,250,599
40 Beal Financial Corp. Plano, Texas 114.87 NA 5,788,545 5,039,206 1,383,919
41 Provident Financial Holdings Inc. Riverside, Calif. 114.77 NA 1,104,280 962,145 150,818
42 Monarch Financial Holdings Inc. Chesapeake, Va. 113.71 105.18 1,009,390 887,703 85,531
43 Third Federal Savings and Loan Association MHC Cleveland 113.69 NA 10,447,771 9,189,603 1,806,814
44 Deutsche Bank Trust Corp. New York 113.62 NA 35,806,000 31,514,000 6,633,000
45 Lauritzen Corp. Omaha, Neb. 113.60 118.99 817,653 719,781 598,061
46 First Foundation Inc. Irvine, Calif. 113.22 NA 728,707 643,646 69,926
47 C&F Financial Corp. West Point, Va. 112.88 108.11 749,923 664,343 98,477
48 First Financial Banc Corp. El Dorado, Ark. 112.84 112.48 693,120 614,249 72,571
49 Northern Bancorp Inc. Woburn, Mass. 111.94 107.64 739,249 660,410 78,547
50 State Bankshares Inc. Fargo, N.D. 111.77 110.20 2,258,544 2,020,743 176,954
51 Severn Bancorp Inc. Annapolis, Md. 111.73 NA 681,314 609,772 107,142
52 Androscoggin Bancorp MHS Lewiston, Maine 111.65 107.16 598,995 536,482 79,967
53 Kaiser Federal Financial Group Inc. Covina, Calif. 111.46 NA 755,609 677,942 152,308
54 North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 111.11 110.33 804,746 724,288 70,178
55 Beacon Federal Bancorp Inc. East Syracuse, N.Y. 110.81 NA 702,085 633,590 117,613
56 Southern First Bancshares Inc. Greenville, S.C. 110.77 106.27 637,659 575,637 63,287
57 TCF Financial Corp. Wayzata, Minn. 110.65 115.88 15,221,908 13,757,418 1,764,669
58 BOFI Holdings Inc. San Diego 110.37 NA 2,045,170 1,852,971 214,706
59 First Texas BHC Inc. Fort Worth 109.55 89.62 849,082 775,029 138,681
60 Boston Private Financial Holdings Inc. 109.25 99.22 5,102,776 4,670,838 615,277
61 First Western Mortgage Corp. Fort Worth 109.02 NA 802,243 735,886 186,727
62 Naugatuck Valley Financial Corp. Conn. 108.95 NA 443,630 407,169 74,455
63 Adam Bank Group Inc. College Station, Texas 108.93 102.26 755,951 693,953 158,625
64 Teche Holding Co. New Iberia, La. 108.66 101.31 674,919 621,157 83,541
65 Newburyport Five Centers Bancorp MHC Mass. 108.60 NA 488,940 450,215 103,772
66 Park Bancorp. Inc. Madison, Wis. 108.37 101.35 601,135 554,722 56,267
67 Coastal Affiliates MHC Hyannis, Mass. 108.32 105.09 562,312 519,101 67,181
68 Peoples Federal Bancshares Inc. Brighton, Mass. 108.22 NA 454,925 420,366 110,538
69 Norway Bancorp MHC Maine 108.15 110.32 785,099 725,946 111,005
70 Southern Missouri Bancorp Inc. Poplar Bluff 107.85 98.62 616,770 571,884 97,012
71 Columbia Bank MHC Fair Lawn, N.J. 107.74 NA 3,230,662 2,998,452 407,583
  BBVA PR Holding Corp. San Juan, Puerto Rico 107.74 119.68 3,697,779 3,432,036 625,761
73 Mascoma Mutual Financial Services Lebanon, N.H. 107.57 NA 797,382 741,243 106,888
74 FB Bancorp San Antonio 107.43 NA 535,375 498,350 65,121
75 Chinatrust Capital Corp. Torrance, Calif. 106.86 93.13 1,009,047 944,296 532,944
76 Tri-County Financial Group Inc. Mendota, Ill. 106.36 88.63 726,124 682,703 80,747
77 PlainsCapital Corp. Dallas 106.23 87.96 4,595,433 4,326,087 603,725
78 Hills Bancorp. Iowa 106.11 110.79 1,705,368 1,607,151 250,943
79 Sword Financial Corp. Horicon, Wis. 106.08 107.72 471,415 444,415 40,294
80 Ambank Co. Inc. Sioux Center, Iowa 106.00 100.58 713,686 673,307 75,522
81 Santander Holdings USA Inc. Boston 105.63 NA 52,964,390 50,143,573 13,136,322
82 Security State Bancshares Inc. Charleston, Mo. 105.61 108.28 519,417 491,812 52,256
83 Salem Five Bancorp Mass. 105.03 98.18 2,361,228 2,248,102 330,172
84 Rockville Financial Inc. Conn. 104.95 112.42 1,554,342 1,481,045 327,289
85 HomeTrust Bancshares Inc. Asheville, N.C. 104.81 NA 1,222,141 1,166,067 371,543
86 Spirit Bankcorp Inc. Bristow, Okla. 104.67 104.81 818,567 782,021 65,875
87 First Horizon National Corp. Memphis, Tenn. 104.35 105.92 16,935,113 16,228,933 2,531,888
88 F&M Financial Corp. Clarksville, Tenn. 104.30 97.40 667,219 639,712 62,105
89 National Consumer Cooperative Bank Washington 104.02 NA 1,341,811 1,290,002 206,248
90 Adbanc Inc. Ogallala, Neb. 103.99 111.41 459,181 441,543 77,808
91 Independent Holdings Inc. Memphis, Tenn. 103.97 101.43 700,766 673,995 97,427
92 First BanCorp. San Juan, Puerto Rico 103.50 99.67 10,243,016 9,896,401 1,484,117
93 Valley National Bancorp Wayne, N.J. 103.45 100.15 11,298,005 10,920,800 1,513,323
94 Atlantic Coast Financial Corp. Jacksonville, Fla. 103.43 NA 526,433 508,992 43,080
95 Rollstone Bancorp MHC Fitchburg, Mass. 103.41 NA 338,524 327,347 55,496
96 NASB Financial Inc. Grandview, Mo. 103.28 NA 930,642 901,124 171,503
97 Community West Bancshares Goleta, Calif. 103.27 111.13 474,993 459,967 50,813
98 Luther Burbank Corp. Santa Rosa, Calif. 103.13 NA 3,330,764 3,229,642 304,708
99 Pulaski Financial Corp. St. Louis 103.02 NA 1,142,780 1,109,263 118,167
100 CB&T Holding Corp. New Orleans 102.77 100.52 658,523 640,758 62,338
  Flushing Financial Corp. N.Y. 102.77 NA 3,195,428 3,109,306 441,398
102 Washington Trust Bancorp Inc. Westerly, R.I. 102.57 101.16 2,292,106 2,234,693 298,394
103 First Community Holdings Santa Rosa, Calif. 102.39 89.11 490,350 478,907 49,147
104 Berkshire Hills Bancorp Inc. Pittsfield, Mass. 102.38 NA 3,533,089 3,450,893 590,921
105 Sterling Bancorp Inc. Southfield, Mich. 102.33 NA 724,687 708,206 88,042
106 Alikat Investments Inc. Gurnee, Ill. 102.14 110.31 274,490 268,727 35,976
  Eagle Bancorp Inc. Bethesda, Md. 102.14 77.80 2,568,910 2,514,989 325,950
108 Machias Bancorp MHC Maine 101.99 105.59 847,533 831,002 124,189
109 Diamond Bancorp Inc. Washington, Mo. 101.97 119.81 655,082 642,421 58,160
110 BBCN Bancorp Inc. Los Angeles 101.86 101.42 4,127,978 4,052,525 734,455
111 Manhattan Banking Corp. Kan. 101.75 104.90 728,565 716,036 73,006
112 Waupaca Bancorp. Inc. Wis. 101.62 97.28 709,426 698,128 100,559
113 PNBK Holdings LLC Stamford, Conn. 101.54 87.30 494,864 487,369 59,702
114 First National Bancshares Inc. East Lansing, Mich. 101.53 90.32 477,310 470,111 98,936
115 Independent Bank Group Inc. McKinney, Texas 101.42 93.96 1,229,832 1,212,610 117,732
116 Citizens Community Bancorp Inc. Eau Claire, Wis. 101.35 NA 427,789 422,103 55,103
117 Citizens Bancshares Inc. Bluffton, Ohio 101.30 101.25 449,331 443,568 57,739
118 Gorham Bancorp MHC Maine 101.22 98.56 622,781 615,282 82,288
119 North State Bancorp Raleigh 101.04 94.58 606,350 600,100 39,758
120 MountainOne Financial Partners MHC North Adams, Mass. 100.99 90.84 573,654 568,053 65,474
121 GSB MHC Greenfield, Mass. 100.68 94.73 471,872 468,698 70,681
122 VB Texas Inc. Houston 100.64 84.34 451,831 448,963 82,966
123 First Palmetto Financial Corp. Camden, S.C. 100.61 NA 471,562 468,725 64,792
124 TF Financial Corp. Newtown, Pa. 100.57 NA 541,610 538,541 81,965
125 Clayton Bancorp Inc. Knoxville, Tenn. 100.54 103.97 745,236 741,211 135,409
126 Nutmeg Financial MHC Naugatuck, Conn. 100.46 NA 764,553 761,057 96,082
127 Ida Grove Bancshares Inc. Iowa 100.43 104.93 963,820 959,701 115,161
  First Financial Holdings Inc. Charleston, S.C. 100.43 NA 2,628,129 2,616,757 292,500
129 NRBC Holding Corp. Chicago 100.39 96.78 1,081,639 1,077,406 138,738
130 County Bancorp Inc. Manitowoc, Wis. 100.23 105.89 593,039 591,657 79,710
131 M&T Bank Corp. Buffalo, N.Y. 100.16 98.18 64,111,955 64,007,258 9,945,527
132 Montgomery Bancorp. Inc. Sikeston, Mo. 100.15 101.03 722,117 721,002 47,661
133 South Shore Bancorp MHC South Weymouth, Mass. 100.13 96.87 679,201 678,318 103,732
134 Fidelity Southern Corp. Atlanta 100.06 92.06 2,004,844 2,003,633 187,502
135 Southern National Bancorp of Virginia Inc. McLean 100.02 116.80 537,769 537,662 104,023
136 Cecil Bankshares Corp. Patten, Maine 99.92 101.45 484,403 484,792 57,594
137 Fifth Third Bancorp Cincinnati 99.88 98.49 84,860,657 84,964,654 13,768,669
138 SunTrust Banks Inc. Atlanta 99.84 94.82 127,048,658 127,257,510 20,399,053
139 First PacTrust Bancorp Inc. Chula Vista, Calif. 99.70 NA 1,325,665 1,329,697 191,740
140 Susquehanna Bancshares Inc. Lititz, Pa. 99.61 101.51 12,675,607 12,725,394 2,584,682
141 Chicopee Bancorp Inc. Mass. 99.53 107.58 472,861 475,109 89,300
142 Independent Bank Corp. Rockland, Mass. 99.50 98.85 4,098,415 4,119,155 492,965
143 Bar Harbor Bankshares Maine 99.36 93.72 808,412 813,627 129,235
  New Hampshire Thrift Bancshares Inc. Newport 99.36 NA 830,490 835,828 111,987
145 Urban Trust Holdings Inc. Lake Mary, Fla. 99.17 NA 448,931 452,666 82,363
146 Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb. 99.00 98.20 560,618 566,307 67,137
147 Foster Bankshares Inc. Rolling Meadows, Ill. 98.96 109.96 345,408 349,033 8,473
148 Liberty Bancshares Inc. Springfield, Mo. 98.93 96.85 856,900 866,211 100,751
149 Nicolet Bankshares Inc. Green Bay, Wis. 98.88 100.53 549,193 555,438 76,879
  People's United Financial Inc. Bridgeport, Conn. 98.88 NA 21,126,812 21,367,044 5,107,431
151 Mackinac Financial Corp. Manistique, Mich. 98.77 96.75 433,958 439,363 72,945
152 Cathay General Bancorp El Monte, Calif. 98.61 98.39 7,250,894 7,353,042 1,605,935
153 Taylor Capital Group Inc. Rosemont, Ill. 98.58 103.28 3,508,314 3,558,682 447,574
154 Stearns Financial Services Inc. St. Cloud, Minn. 98.49 104.38 1,201,394 1,219,843 204,842
155 HMN Financial Inc. Rochester, Minn. 98.21 NA 499,010 508,103 59,849
156 Carolina Financial Corp. Charleston, S.C. 98.20 94.93 623,928 635,384 59,508
157 Cape Bancorp Inc. Cape May Court House, N.J. 98.15 NA 741,466 755,434 150,993
158 First Paragould Bankshares Inc. Ark. 98.08 104.72 555,505 566,364 89,258
  Nexbank Capital Inc. Dallas 98.08 NA 491,751 501,355 78,117
160 Community Financial Services Inc. Benton, Ky. 98.00 92.56 464,403 473,870 52,020
161 Fairfield County Bank MHC Ridgefield, Conn. 97.91 NA 1,192,381 1,217,823 152,856
162 Virginia Commerce Bancorp Inc. Arlington 97.77 91.35 2,163,206 2,212,556 311,528
163 Northwest Bancshares Inc. Warren, Pa. 97.73 NA 5,734,781 5,867,994 1,174,626
164 Beacon Bancorp Taunton, Mass. 97.19 94.85 1,006,813 1,035,941 199,934
  Wilshire Bancorp Inc. Los Angeles 97.19 99.49 2,118,589 2,179,942 328,768
166 Olney Bancshares of Texas Inc.. 97.14 95.55 1,512,948 1,557,419 217,222
167 Community Banc-Corp of Sheboygan Inc. Wis. 96.96 91.77 413,386 426,344 19,748
168 Sterling Financial Corp. Spokane, Wash. 96.95 90.85 6,465,897 6,669,181 1,251,487
169 JJR Holding Co. Inc. Brick, N.J. 96.92 94.91 455,706 470,199 74,621
170 Everbank Financial Corp. Jacksonville, Fla. 96.88 NA 11,459,931 11,828,946 1,258,022
  Customers Bancorp Inc. Wyomissing, Pa. 96.88 77.09 2,274,984 2,348,183 261,502
172 Planters Financial Group Inc. Hopkinsville, Tenn. 96.52 84.39 475,643 492,808 57,527
173 Amarillo National Bancorp Inc. Texas 96.45 85.04 2,502,319 2,594,439 384,061
174 Fox Chase Bancorp Inc. Hatboro, Pa. 96.41 NA 684,921 710,399 183,616
175 Assabet Valley Bancorp Hudson, Mass. 96.27 88.65 763,112 792,685 90,634
176 Farmers Bancorp Inc. Blytheville, Ark. 96.21 98.56 350,512 364,333 32,684
177 Pacific Premier Bancorp Inc. Costa Mesa, Calif. 96.10 91.75 864,101 899,210 99,886
178 Guaranty Federal Bancshares Inc. Springfield, Mo. 96.08 101.19 474,742 494,124 49,991
179 Fremont Bancorp. Calif. 96.01 97.27 2,031,228 2,115,697 156,833
180 ESSA Bancorp Inc. Stroudsburg, Pa. 95.93 NA 958,367 999,064 175,411
181 Synovus Financial Corp. Columbus, Ga. 95.89 87.76 19,989,343 20,846,832 2,875,794
  Community Partners Bancorp Middletown, N.J. 95.89 94.79 555,038 578,819 90,931
183 FSB Mutual Holdings Inc. Perkasie, Pa. 95.87 104.15 649,691 677,683 147,122
184 Pinnacle Financial Partners Inc. Nashville, Tenn. 95.84 87.94 3,564,409 3,719,287 672,923
185 SI Financial Group Inc. Willimantic, Conn. 95.83 NA 679,561 709,147 127,670
186 New England Bancshares Inc. Enfield, Conn. 95.82 95.73 561,157 585,655 73,457
187 Pacific Mercantile Bancorp Costa Mesa, Calif. 95.80 85.77 844,728 881,739 123,412
188 Lakeside Bancorp Inc. Chicago 95.75 95.77 918,484 959,258 97,752
189 USAmericibancorp Inc. Clearwater, Fla. 95.74 92.98 1,902,570 1,987,199 195,532
190 AFNB Holdings Inc. Houston 95.62 87.56 698,488 730,449 125,995
191 Access National Corp. Reston, Va. 95.59 107.11 674,630 705,782 92,782
192 United Financial Bancorp Inc. West Springfield, Mass. 95.55 NA 1,220,453 1,277,316 230,163
193 Community Trust Financial Corp. Ruston, La. 95.51 98.20 2,259,993 2,366,192 251,740
194 Capital One Financial Corp. McLean, Va. 95.46 101.74 203,696,682 213,380,386 39,673,416
195 Santander BanCorp San Juan, Puerto Rico 95.45 107.19 5,370,436 5,626,719 859,394
196 Fulton Financial Corp. Lancaster, Pa. 95.37 94.63 12,018,478 12,601,310 2,060,683
197 United Bankshares Inc. Charleston, W.Va. 95.29 90.45 6,435,518 6,753,909 988,429
198 Union First Market Bankshares Corp. Bowling Green, Va. 95.28 91.85 3,050,475 3,201,601 442,949
199 Merchants Bancorp Inc. Hillsboro, Ohio 95.17 93.18 458,253 481,494 50,566
200 F&M Financial Corp. Granite Quarry, N.C. 95.00 104.17 419,346 441,406 61,410


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 Sept. 30, 2012. Figures for thrifts are not available for 2011 due to revised reporting standards.

Source:

Financial Information Systems LLC

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