Bank and Thrift Holding Companies with Concentration in Home Equity Loans
March 26, 2008, 10:08 a.m. EDT 1 Min Read
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Bank and Thrift Holding Companies with Concentration in Home Equity Loans
Bank and Thrift Holding Companies with Concentration in Home Equity LoansAs of Sept. 30, 2007. Dollars in thousands | ||||||
|---|---|---|---|---|---|---|
| Related Table: Biggest Increases From Year Earlier | ||||||
| Rank | Concentration | Home equity loans | and leases | |||
| | | Sept. 30 | Change | |||
| 1 | Evolve Financial Group Inc. Cordova, Tenn. | 63.4% | 60.8% | $35,163 | 56.1% | $55,448 |
| 2 | First American Bank Corp. Elk Grove Village, Ill. | 34.5 | 36.1 | 737,724 | 4.7 | 2,136,753 |
| 3 | Harleysville National Corp. Pa. | 31.2 | 33.2 | 654,124 | -3.1 | 2,095,800 |
| 4 | Irwin Financial Corp. Columbus, Ind. | 28.8 | 30.1 | 1,633,463 | 3.0 | 5,681,037 |
| 5 | Fremont Bancorp. Calif. | 28.3 | 26.5 | 474,377 | 15.9 | 1,674,482 |
| 6 | First Horizon National Corp. Memphis | 27.1 | 28.2 | 6,887,380 | -1.2 | 25,440,342 |
| 7 | RCB Corp. Sacramento | 26.4 | 29.3 | 134,897 | -6.0 | 510,305 |
| 8 | West Suburban Bancorp Inc. Lombard, Ill. | 23.5 | 22.2 | 280,219 | 10.3 | 1,194,449 |
| 9 | Provident Bankshares Corp. Baltimore | 23.3 | 23.2 | 943,555 | 7.8 | 4,057,615 |
| 10 | Harleysville Savings Financial Corp. Pa. | 23.1 | 25.7 | 97,374 | -2.4 | 421,127 |
| 11 | TriCo Bancshares Chico, Calif. | 22.5 | 21.6 | 345,942 | 6.1 | 1,535,078 |
| 12 | Citizens Financial Group Inc. Providence, R.I. | 21.9 | 21.5 | 24,292,401 | 5.6 | 110,873,479 |
| 13 | Riverside Gulf Coast Banking Co. Cape Coral, Fla. | 21.7 | 21.1 | 87,826 | -0.8 | 404,069 |
| 14 | Webster Financial Corp. Waterbury, Conn. | 21.7 | 18.0 | 2,742,468 | 14.1 | 12,632,178 |
| 15 | Encore Bancshares Inc. Houston | 21.7 | 0.0 | 223,980 | NA | 1,032,377 |
| 16 | National City Corp. Cleveland | 21.6 | 23.4 | 26,815,356 | 2.1 | 123,987,829 |
| 17 | Wells Fargo & Co. San Francisco | 21.3 | 22.2 | 83,860,000 | 8.4 | 393,632,000 |
| 18 | TCF Financial Corp. Wayzata, Minn. | 20.7 | 20.5 | 2,483,724 | 7.5 | 12,028,067 |
| 19 | Union National Financial Corp. Lancaster, Pa. | 20.2 | 0.0 | 73,378 | NA | 363,499 |
| 20 | Gorham Bancorp MHC Maine | 19.0 | 0.0 | 107,125 | NA | 563,256 |
| 21 | Huntington Bancshares Inc. Columbus, Ohio | 17.9 | 19.1 | 7,252,571 | 42.7 | 40,457,756 |
| 22 | CIB Marine Bancshares Inc. Pewaukee, Wis. | 17.6 | 11.2 | 106,233 | 71.2 | 604,753 |
| 23 | Commonwealth Bancshares Inc. Louisville | 17.5 | 18.6 | 95,321 | 7.1 | 545,409 |
| 24 | Bridge Bancorp Inc. Bridgehampton, N.Y. | 16.8 | 19.5 | 60,988 | -0.7 | 362,357 |
| 25 | NBT Bancorp Inc. Norwich, N.Y. | 16.8 | 16.0 | 576,197 | 6.6 | 3,422,217 |
| 26 | SunTrust Banks Inc. Atlanta | 16.7 | 15.0 | 21,620,549 | 8.3 | 129,423,840 |
| 27 | PNC Financial Services Group Inc. Pittsburgh | 16.4 | 19.7 | 11,251,698 | 7.1 | 68,790,260 |
| 28 | Commerce Bancorp Inc. Cherry Hill, N.J. | 16.2 | 15.7 | 2,772,687 | 19.3 | 17,108,395 |
| 29 | Camco Financial Corp. Cambridge, Ohio | 16.2 | 15.5 | 136,385 | 4.5 | 844,786 |
| 30 | NVE Bancorp MHC Englewood, N.J. | 16.1 | 17.3 | 39,886 | -10.5 | 247,760 |
| 31 | RBC Centura Banks Inc. Raleigh | 16.1 | 15.1 | 2,519,097 | 26.4 | 15,641,741 |
| 32 | JPMorgan Chase & Co. New York | 15.9 | 15.0 | 82,393,000 | 18.4 | 519,715,000 |
| 33 | Bryn Mawr Bank Corp. Pa. | 15.8 | 18.3 | 123,742 | 0.1 | 780,980 |
| 34 | F.N.B.C. of La Grange Inc. Ill. | 15.8 | 18.6 | 48,482 | -11.1 | 305,952 |
| 35 | Washington Trust Bancorp Inc. Westerly, R.I. | 15.8 | 16.7 | 239,530 | 0.4 | 1,516,588 |
| 36 | Norway Bancorp MHC Norway, Maine | 15.6 | 14.9 | 111,771 | 15.2 | 715,389 |
| 37 | Bancorp Rhode Island Inc. Providence | 15.6 | 15.2 | 159,856 | 4.5 | 1,025,875 |
| 38 | Rockville Financial MHC Inc. Vernon Rockville, Conn. | 15.6 | 15.6 | 175,449 | 9.0 | 1,125,344 |
| 39 | Prosperity Banking Co. St. Augustine, Fla. | 15.6 | 12.6 | 114,488 | 30.1 | 736,380 |
| 40 | Sandy Spring Bancorp Inc. Olney, Md. | 15.5 | 17.1 | 343,009 | 9.3 | 2,207,698 |
| 41 | Columbia Financial Corp. Bloomsburg, Pa. | 15.4 | 9.1 | 24,692 | 90.7 | 160,635 |
| 42 | First of Long Island Corp. Glen Head, N.Y. | 15.3 | 15.1 | 76,998 | 16.2 | 503,711 |
| 43 | Independent Bank Corp. Rockland, Mass. | 15.2 | 13.7 | 301,747 | 7.3 | 1,986,695 |
| 44 | NewBridge Bancorp Greensboro, N.C. | 15.2 | 15.9 | 218,826 | 80.5 | 1,440,172 |
| 45 | Home Federal Bancorp Columbus, Ind. | 15.0 | 15.1 | 109,492 | 4.6 | 731,181 |
| 46 | Fidelity D and D Bancorp Inc. Dunmore, Pa. | 14.9 | 14.3 | 63,379 | 6.5 | 426,214 |
| 47 | Alliance Bankshares Corp. Chantilly, Va. | 14.8 | 23.5 | 59,040 | -35.1 | 397,611 |
| 48 | Otto Bremer Foundation St. Paul | 14.8 | 13.5 | 783,417 | 18.5 | 5,299,207 |
| 49 | VIST Financial Corp. Wyomissing, Pa. | 14.7 | 17.3 | 118,687 | -8.3 | 808,253 |
| 50 | Associated Banc-Corp Green Bay, Wis. | 14.7 | 14.1 | 2,232,985 | 3.1 | 15,237,390 |
| 51 | Klein Financial Inc. Chaska, Minn. | 14.5 | 15.2 | 131,755 | 1.0 | 905,842 |
| 52 | First Citizens Bancorp. Inc. Columbia, S.C. | 14.5 | 13.6 | 592,072 | 14.7 | 4,094,546 |
| 53 | Republic Bancorp Inc. Louisville | 14.4 | 14.7 | 345,584 | 6.1 | 2,399,014 |
| 54 | First Citizens BancShares Inc. Raleigh | 14.3 | 14.0 | 1,540,355 | 9.0 | 10,763,158 |
| 55 | First Mariner Bancorp Baltimore | 14.3 | 11.2 | 129,672 | 19.9 | 907,658 |
| 56 | Bank of Hawaii Corp. Honolulu | 14.3 | 14.4 | 944,188 | 0.6 | 6,607,931 |
| 57 | Cambridge Bancorp Mass. | 14.2 | 16.6 | 57,816 | -1.4 | 406,559 |
| 58 | Alpine Banks of Colorado Glenwood Springs | 14.2 | 14.5 | 234,405 | 17.7 | 1,651,479 |
| 59 | Sun Bancorp Inc. Vineland, N.J. | 14.2 | 13.2 | 350,809 | 13.0 | 2,472,607 |
| 60 | Fifth Third Bancorp Cincinnati | 14.2 | 16.3 | 11,177,624 | -7.6 | 79,013,651 |
| 61 | FirstMerit Corp. Akron | 14.2 | 13.0 | 1,000,058 | 10.5 | 7,064,284 |
| 62 | LNB Bancorp Inc. Lorain, Ohio | 14.2 | 14.1 | 103,456 | 20.1 | 731,328 |
| 63 | West Tennessee Bancshares Inc. Bartlett | 14.0 | 14.2 | 45,447 | 5.3 | 324,611 |
| 64 | OceanPoint Financial Partners MHC Newport, R.I. | 14.0 | 11.7 | 96,732 | 33.7 | 691,928 |
| 65 | City Holding Co. Charleston, W.Va. | 13.9 | 15.7 | 239,037 | -10.1 | 1,719,703 |
| 66 | MSB Mutual Holding Co. Manasquan, N.J. | 13.7 | 14.9 | 59,559 | -2.8 | 433,713 |
| 67 | Town and Country Financial Corp. Springfield, Ill. | 13.7 | 14.1 | 33,074 | -6.2 | 241,633 |
| 68 | First Banking Center Inc. Burlington, Wis. | 13.5 | 13.6 | 88,437 | 9.1 | 653,576 |
| 69 | QNB Corp. Quakertown, Pa. | 13.5 | 14.5 | 49,412 | 2.8 | 367,054 |
| 70 | Princeton National Bancorp Inc. Ill. | 13.4 | 9.0 | 92,850 | 74.6 | 691,167 |
| 71 | First Waterloo Bancshares Inc. Ill. | 13.3 | 12.6 | 19,893 | 1.5 | 149,941 |
| 72 | Financial Institutions Inc. Warsaw, N.Y. | 13.2 | 14.4 | 125,340 | -7.4 | 949,778 |
| 73 | Center Bancorp Inc. Union, N.J. | 13.2 | 11.9 | 72,704 | 13.4 | 550,847 |
| 74 | MountainOne Financial Partners MHC North Adams, Mass. | 13.2 | 8.9 | 58,162 | 131.4 | 440,659 |
| 75 | Codorus Valley Bancorp Inc. York, Pa. | 13.1 | 10.3 | 57,929 | 40.7 | 442,184 |
| 76 | Regions Financial Corp. Birmingham, Ala. | 13.1 | 9.2 | 12,455,909 | 119.7 | 95,336,444 |
| 77 | F and M Financial Corp. Granite Quarry, N.C. | 13.0 | 13.5 | 64,329 | 4.5 | 494,391 |
| 78 | Palos Bancshares Inc. Palos Heights, Ill. | 13.0 | 0.0 | 43,641 | NA | 335,271 |
| 79 | TD Banknorth Inc. Portland, Maine | 13.0 | 13.9 | 3,467,406 | -3.1 | 26,666,788 |
| 80 | Harris Financial Corp. Wilmington, Del. | 13.0 | 13.7 | 4,432,354 | 8.0 | 34,200,623 |
| 81 | National Bank of Indianapolis Corp. | 12.9 | 14.4 | 101,788 | -1.7 | 787,219 |
| 82 | Bangor Bancorp MHC Maine | 12.8 | 0.0 | 213,656 | NA | 1,663,368 |
| 83 | Tri City Bankshares Corp. Oak Creek, Wis. | 12.8 | 12.0 | 72,054 | 14.7 | 561,710 |
| 84 | First Chester County Corp. West Chester, Pa. | 12.8 | 13.9 | 91,981 | -2.8 | 719,530 |
| 85 | Marquette National Corp. Chicago | 12.8 | 11.7 | 129,056 | 8.3 | 1,009,955 |
| 86 | Northfield MHC Vt. | 12.8 | 13.2 | 53,002 | -0.3 | 415,609 |
| 87 | FNB Bancorp Inc. Newtown, Pa. | 12.7 | 10.3 | 45,214 | 38.0 | 355,071 |
| 88 | Trinity Capital Corp. Los Alamos, N.M. | 12.7 | 13.0 | 150,839 | 2.4 | 1,187,888 |
| 89 | Bank of America Corp. Charlotte | 12.7 | 11.8 | 104,158,644 | 27.4 | 821,988,217 |
| 90 | ACNB Corp. Gettysburg, Pa. | 12.7 | 11.8 | 69,960 | 12.0 | 552,332 |
| 91 | Eagle Financial Services Inc. Berryville, Va. | 12.6 | 12.9 | 48,848 | 0.8 | 387,039 |
| 92 | Florence Bancorp MHC Mass. | 12.6 | 13.6 | 79,521 | 3.5 | 631,427 |
| 93 | Pennsylvania Commerce Bancorp Inc. Harrisburg | 12.4 | 15.3 | 139,530 | -3.9 | 1,127,362 |
| 94 | First Bancorp. of Durango Inc. Inverness, Ill. | 12.4 | 0.0 | 36,631 | NA | 296,515 |
| 95 | KeyCorp Cleveland | 12.3 | 13.1 | 9,036,788 | -5.3 | 73,790,094 |
| 96 | Florida Bank Group Inc. Tampa | 12.2 | 0.0 | 72,649 | NA | 595,085 |
| 97 | Southern Bancshares Inc. Mount Olive, N.C. | 12.1 | 11.6 | 87,202 | 5.0 | 718,574 |
| 98 | Citizens Republic Bancorp Inc. Flint, Mich. | 12.1 | 12.8 | 1,122,366 | 52.6 | 9,295,610 |
| 99 | Merchants Financial Group Inc. Winona, Minn. | 12.1 | 11.3 | 75,476 | 23.4 | 626,151 |
| 100 | First Charter Corp. Charlotte | 12.1 | 15.0 | 420,424 | -9.8 | 3,487,768 |
| 101 | FSB Mutual Holdings Inc. Perkasie, Pa. | 12.0 | 11.6 | 74,084 | 9.6 | 615,292 |
| 102 | ISB Financial Corp. Iowa City | 12.0 | 10.8 | 47,179 | 13.6 | 393,119 |
| 103 | Penseco Financial Services Corp. Scranton, Pa. | 11.9 | 12.7 | 47,189 | 4.5 | 396,035 |
| 104 | First Volunteer Corp. Chattanooga, Tenn. | 11.9 | 12.7 | 48,613 | 0.9 | 409,619 |
| 105 | National Penn Bancshares Inc. Boyertown, Pa. | 11.8 | 12.1 | 447,130 | 2.6 | 3,786,802 |
| 106 | Palm Bancorp Palmerton, Pa. | 11.8 | 10.8 | 36,570 | 17.5 | 311,002 |
| 107 | F and M Bank Corp. Timberville, Va. | 11.7 | 10.1 | 36,327 | 19.5 | 309,565 |
| 108 | S.Y. Bancorp Inc. Louisville | 11.7 | 12.1 | 136,064 | 0.1 | 1,160,408 |
| 109 | Peoples Bancorp of North Carolina Inc. Newton | 11.7 | 12.2 | 80,484 | 5.4 | 689,363 |
| 110 | NewAlliance Bancshares Inc. New Haven | 11.6 | 14.4 | 540,552 | -0.4 | 4,678,143 |
| 111 | Provident Financial Services Inc. Jersey City, N.J. | 11.5 | 10.8 | 487,628 | 19.9 | 4,228,264 |
| 112 | Tampa Banking Co. | 11.5 | 13.2 | 71,160 | -4.9 | 619,265 |
| 113 | Macon Bancorp Franklin, N.C. | 11.5 | 11.9 | 95,299 | -0.5 | 829,764 |
| 114 | Great Lakes Financial Resources Inc. Matteson, Ill. | 11.5 | 11.1 | 55,356 | 3.8 | 482,334 |
| 115 | DNB Financial Corp. Downingtown, Pa. | 11.4 | 0.0 | 36,542 | NA | 320,232 |
| 116 | Anchor Bancorp Inc. Wayzata, Minn. | 11.4 | 13.4 | 102,412 | -10.1 | 898,160 |
| 117 | Foster Bankshares Inc. Chicago | 11.3 | 10.9 | 52,510 | 16.4 | 465,261 |
| 118 | Yadkin Valley Financial Corp. Elkin, N.C. | 11.2 | 11.6 | 99,615 | 4.7 | 887,580 |
| 119 | Carolina Financial Corp. Charleston, S.C. | 11.2 | 6.7 | 86,268 | 87.9 | 770,274 |
| 120 | Commercial Holding Co. Paris, Tenn. | 11.2 | 10.8 | 42,846 | 17.0 | 382,869 |
| 121 | United Bankshares Inc. Charleston, W.Va. | 11.2 | 12.8 | 624,605 | 2.8 | 5,587,280 |
| 122 | First Bancorp Troy, N.C. | 11.2 | 12.2 | 205,498 | -0.6 | 1,842,979 |
| 123 | First State Financial Corp. St. Clair Shores, Mich. | 11.1 | 12.0 | 48,561 | -10.8 | 436,798 |
| 124 | Franklin Financial Services Corp. Chambersburg, Pa. | 11.1 | 10.0 | 63,042 | 22.3 | 567,445 |
| 125 | Glacier Bancorp Inc. Kalispell, Mont. | 11.1 | 12.0 | 387,145 | 13.2 | 3,487,060 |
| 126 | First Litchfield Financial Corp. Conn. | 11.1 | 11.7 | 34,952 | 5.7 | 315,745 |
| 127 | Fulton Financial Corp. Lancaster, Pa. | 11.0 | 11.4 | 1,224,502 | 1.8 | 11,104,758 |
| 128 | Hancock Holding Co. Gulfport, Miss. | 11.0 | 9.7 | 389,140 | 27.9 | 3,530,991 |
| 129 | First Bancshares Inc. Whiting, Ind. | 11.0 | 11.3 | 128,760 | 6.1 | 1,175,190 |
| 130 | Suffolk Bancorp Riverhead, N.Y. | 11.0 | 12.2 | 102,181 | -5.3 | 932,468 |
| 131 | First National Lincoln Corp. Damariscotta, Maine | 11.0 | 11.4 | 97,859 | 3.3 | 892,988 |
| 132 | Central Jersey Bancorp Long Branch, N.J. | 10.9 | 12.3 | 33,700 | -12.9 | 308,096 |
| 133 | Wintrust Financial Corp. Lake Forest, Ill. | 10.9 | 11.7 | 757,949 | 0.4 | 6,937,110 |
| 134 | Fidelity Bancshares Inc. Fuquay-Varina, N.C. | 10.9 | 11.3 | 108,142 | -2.8 | 995,922 |
| 135 | MainSource Financial Group Inc. Greensburg, Ind. | 10.9 | 10.4 | 180,967 | 10.5 | 1,666,431 |
| 136 | Cardinal Financial Corp. McLean, Va. | 10.8 | 12.1 | 121,067 | -5.8 | 1,117,966 |
| 137 | New Century Bancorp Inc. Dunn, N.C. | 10.8 | 6.7 | 49,999 | 86.6 | 462,713 |
| 138 | First Financial Bancorp. Cincinnati | 10.8 | 10.7 | 280,425 | 4.0 | 2,597,641 |
| 139 | First Midwest Bancorp Inc. Itasca, Ill. | 10.8 | 11.8 | 531,047 | -11.2 | 4,930,063 |
| 140 | IBT Bancorp Inc. Irwin, Pa. | 10.7 | 10.5 | 52,129 | 5.5 | 486,071 |
| 141 | Park Bancorp. Inc. Madison, Wis. | 10.7 | 11.2 | 63,565 | 3.8 | 595,455 |
| 142 | LSB Financial Laconia, N.H. | 10.7 | 8.7 | 65,075 | 24.2 | 610,356 |
| 143 | Lakeland Bancorp Inc. Oak Ridge, N.J. | 10.7 | 12.3 | 190,337 | 3.1 | 1,787,244 |
| 144 | U.S. Bancorp Minneapolis | 10.6 | 10.4 | 16,210,000 | 6.2 | 153,640,000 |
| 145 | Shore Bancshares Inc. Easton, Md. | 10.5 | 9.9 | 79,049 | 16.1 | 750,458 |
| 146 | Conestoga Bancorp Inc. Chester Springs, Pa. | 10.5 | 0.0 | 43,557 | NA | 414,037 |
| 147 | StellarOne Corp. Charlottesville, Va. | 10.5 | 8.9 | 127,488 | 19.1 | 1,217,962 |
| 148 | Community Bankshares Inc. Orangeburg, S.C. | 10.5 | 6.0 | 48,554 | 88.8 | 464,246 |
| 149 | Fauquier Bankshares Inc. Warrenton, Va. | 10.4 | 10.0 | 42,879 | 2.1 | 410,784 |
| 150 | M&T Bank Corp. Buffalo | 10.4 | 11.6 | 4,674,009 | -4.1 | 44,778,472 |
*Home equity loans outstanding as a percentage of total consolidated loans. Top tier bank holding companies. Based on FR Y9C filed with Federal Reserve.
Source:SNL Financial
, Charlottesville, Va.© 2008 American Banker