Bank and Thrift Holding Companies with Highest Home Equity Loan Concentrations
June 30, 2009, 10:08 a.m. EDT 1 Min Read
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Bank and Thrift Holding Companies with Highest Home Equity Loan Concentrations
Bank and Thrift Holding Companies with Highest Home Equity Loan ConcentrationsAs of Dec. 31, 2008. Dollars in thousands | ||||||
|---|---|---|---|---|---|---|
| Rank | Concentration | Home equity loans | and leases | |||
| | | Dec. 31 | Change | |||
| 1 | American Investors Bank and Mortgage Eden Prairie, Minn. | 85.1% | 84.5% | $41,435 | 21.9% | $48,698 |
| 2 | Ameriprise Bank FSB Minneapolis | 78.7 | 84.6 | 377,753 | 15.8 | 480,171 |
| 3 | Warrington Bank Pensacola, Fla. | 70.1 | 83.9 | 18,293 | 5.1 | 26,113 |
| 4 | Guaranty Bank MHC Milwaukee | 61.6 | 65.7 | 826,767 | -12.7 | 1,342,768 |
| 5 | Principal Bank Des Moines | 56.9 | 48.1 | 1,059,530 | 19.7 | 1,862,028 |
| 6 | Liberty Savings Bank FSB St. Cloud, Minn. | 54.9 | 61.6 | 55,037 | -12.9 | 100,160 |
| 7 | Vantage Point Bank Fort Washington, Pa. | 53.3 | NA | 17,868 | NA | 33,536 |
| 8 | Washington Savings Bank Philadelphia | 52.4 | 59.8 | 74,057 | -10.9 | 141,364 |
| 9 | Thrivent Financial Bank Appleton, Wis. | 52.1 | 53.8 | 240,130 | 20.4 | 460,568 |
| 10 | First Federal Savings of Middletown N.Y. | 51.4 | 48.3 | 13,836 | -3.1 | 26,923 |
| 11 | Evolve Financial Group Inc. Cordova, Tenn. | 50.7 | 64.0 | 30,114 | -10.6 | 59,350 |
| 12 | Private Bank Minnesota Minneapolis | 46.4 | 40.3 | 67,435 | 39.6 | 145,442 |
| 13 | USAA Federal Savings Bank San Antonio | 45.2 | 45.8 | 12,195,448 | 1.7 | 26,951,696 |
| 14 | Bank of the South Pensacola, Fla. | 43.8 | 48.2 | 4,982 | 33.9 | 11,372 |
| 15 | Charles Schwab Bank Reno | 43.6 | 34.9 | 2,662,029 | 115.6 | 6,106,348 |
| 16 | Golden First Bank Great Neck, N.Y. | 42.3 | 41.4 | 5,039 | -10.0 | 11,919 |
| 17 | AIG Federal Savings Bank Wilmington, Del. | 41.2 | 53.7 | 76,101 | 2.5 | 184,619 |
| 18 | Universal Savings Bank FA Milwaukee | 40.4 | 40.5 | 173 | -78.3 | 428 |
| 19 | Inter Savings Bank FSB Maple Grove, Minn. | 40.3 | 36.6 | 263,251 | -2.4 | 652,783 |
| 20 | South Central Bank Chicago | 39.7 | 33.1 | 57,403 | 36.4 | 144,602 |
| 21 | Greater Atlantic Bank Reston, Va. | 38.3 | 30.5 | 57,121 | 9.8 | 149,103 |
| 22 | MWABank Rock Island, Ill. | 37.9 | 42.2 | 59,945 | -9.2 | 158,047 |
| 23 | Herget Bank Pekin, Ill. | 36.2 | 34.3 | 58,907 | 18.2 | 162,765 |
| 24 | E-Trade Bank Arlington, Va. | 36.1 | 32.7 | 10,180,540 | -16.0 | 28,199,029 |
| 25 | First American Bank Corp. Elk Grove Village, Ill. | 33.9 | 34.4 | 701,067 | -6.5 | 2,066,709 |
| Nashville Bank and Trust Co. | 33.9 | 28.1 | 43,336 | 64.3 | 127,812 | |
| Stonebridge Bank Minneapolis | 33.9 | 22.5 | 16,690 | 122.9 | 49,250 | |
| 28 | First National Bank of the Lakes Navarre, Minn. | 33.3 | 30.7 | 10,225 | 10.5 | 30,719 |
| 29 | Oakworth Capital Bank Birmingham, Ala. | 32.6 | NA | 10,245 | NA | 31,402 |
| 30 | Haddon Savings Bank Haddon Heights, N.J. | 32.1 | 28.3 | 30,089 | 18.8 | 93,625 |
| 31 | Fidelity Savings and Loan Association of Bucks County Bristol, Pa. | 32.0 | 36.5 | 12,027 | -2.7 | 37,554 |
| 32 | MoreBank Philadelphia | 31.7 | 32.4 | 11,314 | 73.4 | 35,718 |
| 33 | Encore Bancshares Inc. Houston | 31.6 | 25.0 | 384,696 | 40.1 | 1,218,554 |
| 34 | Fremont Bancorp. Calif. | 31.0 | 29.3 | 546,067 | 11.7 | 1,763,860 |
| 35 | Leader Bank Arlington, Mass. | 30.3 | 31.8 | 70,606 | 19.7 | 232,714 |
| 36 | Irwin Financial Corp. Columbus, Ind. | 29.8 | 27.8 | 1,340,220 | -15.6 | 4,490,728 |
| 37 | First Horizon National Corp. Memphis | 29.6 | 25.9 | 6,470,285 | -3.6 | 21,845,504 |
| 38 | Highlands State Bank Vernon, N.J. | 29.3 | 30.7 | 26,580 | 176.5 | 90,603 |
| 39 | Muncy Bank and Trust Co. Pa. | 29.2 | 30.3 | 51,325 | 9.6 | 175,595 |
| 40 | Rockland Savings Bank FSB Maine | 29.1 | 24.1 | 18,132 | 30.2 | 62,243 |
| Investment Savings Bank Altoona, Pa. | 29.1 | 26.3 | 20,375 | 15.9 | 70,007 | |
| 42 | Pacific Trust Bank FSB Chula Vista, Calif. | 29.0 | 24.8 | 231,138 | 30.3 | 797,569 |
| 43 | Third Federal Savings and Loan Association of Cleveland MHC Ohio | 28.8 | 23.6 | 2,768,447 | 39.3 | 9,601,838 |
| 44 | Kennebec Federal Savings and Loan Association of Waterville Maine | 28.5 | 24.9 | 19,932 | 15.5 | 69,923 |
| 45 | Hamptons State Bank Southampton, N.Y. | 28.4 | 25.2 | 12,482 | 32.4 | 44,026 |
| 46 | Community Bank-Wheaton/Glen Ellyn Ill. | 28.3 | 23.3 | 63,593 | 18.3 | 224,324 |
| 47 | Evergreen Bank Group Oak Brook, Ill. | 28.1 | 9.9 | 78,062 | 436.0 | 278,274 |
| 48 | Ebank Atlanta | 28.0 | 26.3 | 27,228 | -5.3 | 97,071 |
| 49 | State Bank of Southwest Missouri Springfield | 27.9 | 25.9 | 20,848 | 6.3 | 74,806 |
| 50 | Tightwad Bank Reading, Kan. | 27.5 | 28.6 | 4,152 | 38.6 | 15,115 |
| 51 | First State Bank of Rosemount Minn. | 27.2 | 28.5 | 8,224 | -1.3 | 30,245 |
| 52 | First Hope Bank N.J. | 27.1 | 27.7 | 78,405 | 3.9 | 289,316 |
| Bank of Napa Calif. | 27.1 | 23.4 | 12,628 | 342.2 | 46,664 | |
| 54 | Lemont National Bank Ill. | 26.9 | 26.6 | 3,279 | -4.9 | 12,193 |
| 55 | Alden State Bank N.Y. | 26.8 | 25.6 | 33,238 | 10.1 | 123,971 |
| 56 | Community Bank of Elmhurst Ill. | 26.7 | 26.0 | 17,819 | 24.9 | 66,697 |
| Riverside Bank of Central Florida Winter Park | 26.7 | 21.9 | 24,514 | 31.5 | 91,949 | |
| 58 | Allied First Bank SB Oswego, Ill. | 26.6 | 24.2 | 34,159 | 6.6 | 128,286 |
| 59 | First National Bank of Moose Lake Minn. | 26.0 | 25.9 | 14,406 | 8.7 | 55,500 |
| 60 | Affinity Bank of Pennsylvania Wyomissing | 25.9 | 25.2 | 26,149 | 22.5 | 101,019 |
| Roma Bank MHC Robbinsville, N.J. | 25.9 | 28.3 | 131,955 | 1.4 | 509,814 | |
| Congaree State Bank West Columbia, S.C. | 25.9 | 22.5 | 27,819 | 123.4 | 107,521 | |
| Harleysville National Corp. Pa. | 25.9 | 27.7 | 953,147 | 39.7 | 3,685,244 | |
| 64 | Brainerd Savings and Loan Association Minn. | 25.8 | 27.6 | 12,908 | -1.1 | 49,960 |
| Pulaski Bank Creve Coeur, Mo. | 25.8 | 29.3 | 318,398 | -3.1 | 1,233,061 | |
| 66 | Bank @Lantec Virginia Beach | 25.6 | 27.7 | 22,773 | -3.6 | 88,912 |
| 67 | Community First Bank Pikesville, Md. | 25.5 | 28.4 | 10,582 | -22.6 | 41,435 |
| Earthstar Bank Southampton, Pa. | 25.5 | 38.3 | 24,863 | -47.1 | 97,430 | |
| 69 | RCB Corp. Sacramento | 25.3 | 26.3 | 133,689 | 0.6 | 529,445 |
| 70 | Interamerican Bank FSB Miami | 25.0 | 23.7 | 51,687 | 1.0 | 206,541 |
| 1st Colonial National Bank Collingswood, N.J. | 25.0 | 25.1 | 36,578 | 18.1 | 146,468 | |
| Manor Bank Pa. | 25.0 | 17.0 | 1,646 | 75.7 | 6,592 | |
| Solera National Bank Lakewood, Colo. | 25.0 | 5.0 | 5,330 | 2690.6 | 21,356 | |
| 74 | SouthBank Palm Beach Gardens, Fla. | 24.7 | 31.9 | 2,125 | -22.2 | 8,603 |
| 75 | Burling Bank Chicago | 24.6 | 18.5 | 10,056 | 10.9 | 40,865 |
| Chain Bridge Bank McLean, Va. | 24.6 | 6.9 | 10,808 | 2479.5 | 43,979 | |
| 77 | Community Bank Plymouth, Minn. | 24.3 | 18.1 | 15,377 | 59.2 | 63,227 |
| SCB Bank Shelbyville, Ind. | 24.3 | 21.6 | 42,470 | -10.2 | 174,753 | |
| 79 | Community Bank Delaware Lewes | 24.1 | 45.0 | 13,441 | 3.4 | 55,706 |
| TriCo Bancshares Chico, Calif. | 24.1 | 22.6 | 383,728 | 9.6 | 1,590,849 | |
| 81 | Forest Park National Bank and Trust Co. Ill. | 24.0 | 21.5 | 30,284 | 14.5 | 126,139 |
| Darien Rowayton Bank Conn. | 24.0 | 32.8 | 15,641 | 103.4 | 65,244 | |
| 83 | Maple City Savings Bank FSB MHC Hornell, N.Y. | 23.9 | 22.1 | 9,212 | 9.8 | 38,471 |
| Somerset Hills Bank Bernardsville, N.J. | 23.9 | 24.4 | 51,047 | -0.9 | 213,382 | |
| Cottage Savings Bank Montgomery, Ohio | 23.9 | 25.0 | 7,702 | 7.1 | 32,200 | |
| 86 | Delanco Federal Savings Bank MHC N.J. | 23.7 | 26.0 | 24,582 | -0.3 | 103,832 |
| 87 | Reliance Savings Bank Altoona, Pa. | 23.6 | 22.9 | 58,014 | 6.3 | 245,915 |
| 88 | Province Bank FSB Marietta, Pa. | 23.5 | 29.1 | 13,297 | -9.0 | 56,594 |
| Chelsea Groton Savings Bank Norwich, Conn. | 23.5 | 26.2 | 127,231 | -6.7 | 541,583 | |
| Webster Financial Corp. Waterbury, Conn. | 23.5 | 21.6 | 2,868,103 | 4.6 | 12,212,130 | |
| 91 | Riverside Bank Sparkman, Ark. | 23.3 | 19.4 | 9,783 | 14.0 | 41,949 |
| 92 | Glen Rock Savings Bank N.J. | 23.2 | 23.6 | 23,365 | 23.7 | 100,680 |
| Charter National Bank and Trust Hoffman Estates, Ill. | 23.2 | 21.4 | 22,301 | 6.2 | 96,109 | |
| State Bank of Richmond Minn. | 23.2 | 21.0 | 9,664 | 9.7 | 41,735 | |
| 95 | Pinnacle Bank Scottsdale, Ariz. | 23.1 | 14.8 | 8,885 | 69.0 | 38,511 |
| 96 | Colonial American Bank Horsham, Pa. | 23.0 | 47.8 | 4,476 | 5.0 | 19,452 |
| 97 | Great Northern Bank St. Michael, Minn. | 22.8 | 20.7 | 15,215 | 13.8 | 66,699 |
| 98 | Ally Bank Midvale, Utah | 22.7 | 21.2 | 5,404,501 | 8.6 | 23,795,067 |
| 99 | Iron Workers Savings Bank Aston, Pa. | 22.6 | 26.2 | 24,561 | 1.0 | 108,518 |
| 100 | Grand Timber Bank McGregor, Minn. | 22.5 | 22.0 | 8,933 | 6.5 | 39,764 |
| First Safety Bank St. Bernard, Ohio | 22.5 | 22.9 | 8,996 | 1.9 | 40,046 | |
| 102 | Marco Community Bank Marco Island, Fla. | 22.4 | 21.6 | 24,732 | -5.6 | 110,218 |
| American Enterprise Bank of Florida Jacksonville | 22.4 | 20.4 | 40,248 | 22.1 | 179,787 | |
| 104 | Key Community Bank Inver Grove Heights, Minn. | 22.3 | 23.2 | 11,266 | 3.9 | 50,597 |
| Citizens Financial Group Inc. Providence, R.I. | 22.3 | 21.8 | 24,747,030 | 1.8 | 111,195,501 | |
| 106 | Community Bank Noblesville, Ind. | 22.2 | 21.1 | 43,262 | 2.4 | 194,500 |
| Milford Federal Savings and Loan Association Mass. | 22.2 | 22.6 | 62,888 | -5.5 | 283,220 | |
| Community Bank of Bergen County Maywood, N.J. | 22.2 | 29.8 | 46,696 | -5.9 | 210,300 | |
| 109 | Spencer Savings Bank SLA Elmwood Park, N.J. | 22.0 | 24.1 | 276,361 | -1.3 | 1,255,623 |
| 110 | Tradition Capital Bank Edina, Minn. | 21.9 | 21.5 | 30,400 | 45.0 | 138,878 |
| 111 | Gibraltar Bank Oak Ridge, N.J. | 21.6 | 26.1 | 13,526 | 19.2 | 62,511 |
| Community 1st Bank Post Falls, Idaho | 21.6 | 13.2 | 4,568 | 1083.4 | 21,130 | |
| 113 | Cabarrus Bank and Trust Co. Concord, N.C. | 21.5 | 18.0 | 14,919 | 30.1 | 69,483 |
| 114 | Farmers National Bank of Emlenton Pa. | 21.4 | 21.2 | 57,454 | 16.2 | 268,590 |
| 115 | Saddle River Valley Bank N.J. | 21.3 | 15.9 | 5,457 | 133.0 | 25,590 |
| Freehold Savings Bank N.J. | 21.3 | 22.6 | 16,832 | -8.6 | 79,085 | |
| 117 | First National Community Bank New Richmond, Wis. | 21.2 | 17.3 | 22,892 | 19.1 | 107,899 |
| Bank of Holland N.Y. | 21.2 | 21.6 | 9,921 | -3.4 | 46,906 | |
| 119 | Blaine State Bank Minn. | 21.1 | 21.5 | 4,039 | -4.2 | 19,131 |
| First Federal Bank Tuscaloosa, Ala. | 21.1 | 20.0 | 25,972 | 4.5 | 123,382 | |
| 121 | Neffs National Bank Pa. | 21.0 | 22.4 | 21,218 | 0.3 | 100,953 |
| 122 | Northern Star Bank Mankato, Minn. | 20.9 | 19.8 | 10,119 | 17.3 | 48,304 |
| West Suburban Bancorp Inc. Lombard, Ill. | 20.9 | 22.4 | 261,408 | -5.6 | 1,249,179 | |
| Granite Savings Bank Rockport, Mass. | 20.9 | 18.7 | 7,644 | 14.1 | 36,643 | |
| 125 | Sound Community Bank MHC Seattle | 20.8 | 21.1 | 55,055 | 17.9 | 264,575 |
| 126 | Security State Bank of Aitkin Minn. | 20.6 | 19.4 | 13,410 | 4.9 | 65,036 |
| Bank of Georgetown Washington | 20.6 | 16.3 | 40,328 | 112.2 | 195,910 | |
| 128 | PyraMax Bank FSB Greenfield, Wis. | 20.5 | 16.9 | 77,638 | 22.3 | 378,636 |
| Huntingdon Valley Bank Pa. | 20.5 | 23.8 | 21,040 | -10.3 | 102,660 | |
| Heritage Community Bank Randolph, N.J. | 20.5 | 21.0 | 16,075 | 87.4 | 78,457 | |
| 131 | National Iron Bank Salisbury, Conn. | 20.4 | 21.8 | 8,082 | -1.8 | 39,619 |
| West Town Savings Bank Cicero, Ill. | 20.4 | 23.2 | 6,840 | 2.3 | 33,538 | |
| First Resource Bank Exton, Pa. | 20.4 | 20.7 | 19,317 | 14.6 | 94,825 | |
| 134 | TCF Financial Corp. Wayzata, Minn. | 20.3 | 20.6 | 2,713,081 | 5.5 | 13,345,890 |
| Timberline Bank Grand Junction, Colo. | 20.3 | 18.8 | 44,207 | 46.5 | 217,858 | |
| Malvern Federal Savings Bank MHC Paoli, Pa. | 20.3 | 20.4 | 120,295 | 20.8 | 593,701 | |
| 137 | Medina Savings and Loan Association N.Y. | 20.2 | 18.3 | 3,598 | 5.1 | 17,848 |
| 138 | Roebling Bank N.J. | 20.1 | 18.6 | 22,428 | 12.1 | 111,411 |
| Lincoln State Bank SB Rochelle, Ill. | 20.1 | 16.5 | 6,717 | 24.8 | 33,376 | |
| 140 | Camco Financial Corp. Cambridge, Ohio | 20.0 | 16.8 | 155,365 | 12.3 | 776,033 |
| HomeStar Bank and Financial Services Manteno, Ill. | 20.0 | 17.4 | 70,720 | 15.9 | 354,132 | |
| 142 | Allegiance Community Bank South Orange, N.J. | 19.9 | 14.7 | 14,800 | 63.2 | 74,506 |
| 143 | First National Bank of Absecon N.J. | 19.8 | 21.3 | 10,956 | -11.8 | 55,290 |
| Town Center Bank Frankfort, Ill. | 19.8 | 17.6 | 17,576 | 58.2 | 88,951 | |
| 145 | Seattle Bank | 19.7 | 0.6 | 124,834 | 3441.4 | 632,335 |
| Rumson-Fair Haven Bank and Trust Co. Rumson, N.J. | 19.7 | 17.2 | 20,932 | 13.6 | 106,139 | |
| 147 | Peoples Bank of Arlington Heights Ill. | 19.6 | 17.5 | 15,804 | 28.9 | 80,516 |
| Northwestern Bank Traverse City, Mich. | 19.6 | 20.6 | 145,619 | 9.8 | 742,612 | |
| First Bank and Trust Evanston, Ill. | 19.6 | 16.5 | 76,521 | 28.2 | 390,581 | |
| Bank of Birmingham Mich. | 19.6 | 25.5 | 11,117 | 17.6 | 56,841 | |
Home equity loans outstanding as a percentage of total consolidated loans. Data includes top-tier bank holding companies, commercial banks, savings banks, and savings institutions operating as of May 29, 2009. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:SNL Financial
, Charlottesville, Va.© 2009 American Banker