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Banks, thrifts and holding companies

Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

November 20, 2008, 10:08 a.m. EST 1 Min Read
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Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

Bank and Thrift Holding Companies with Highest Noninterest Income RatiosOn June 30, 2008. Dollars in thousands
Published November 20, 2008
Rank   Parent company Type of holding company Income 2Q '07
noninterest income 		Assets
Noninterest Total net Ratio
1 Osage Federal Bank Pawhuska, Okla. Osage Bancshares Inc. thrift $180 $14 1285.7% $163 $156,881
2 First Star Bancorp Inc. Bethlehem, Pa. none bank 299 76 393.4 249 669,748
3 Riverside Gulf Coast Banking Co. Cape Coral, Fla. none bank 1,001 818 122.4 1,786 625,211
4 Forethought Federal Savings Bank Batesville, Ind. none thrift 485 407 119.2 466 120,786
5 Marshall Bankfirst Corp. Minneapolis none bank 4,195 3,835 109.4 6,446 416,959
6 FDS Bank Mason, Ohio Macy’s Inc. thrift 136,430 136,920 99.6 154,119 94,157
7 Northwestern Mutual Wealth Management Co. Milwaukee Northwestern Mutual Life Insurance Co. thrift 28,336 28,706 98.7 9,034 39,554
8 SEI Private Trust Co. Oaks, Pa. SEI Investments Co. thrift 39,651 40,294 98.4 39,068 84,107
9 Trust Co. of Virginia Richmond TCV Financial Corp. thrift 1,839 1,877 98.0 NA 4,859
10 TIAA-CREF Trust Co. FSB St. Louis TIAA Board of Overseers thrift 6,758 6,910 97.8 5,993 17,719
11 Fidelity Personal Trust Co. FSB Boston FMR LLC thrift 6,284 6,436 97.6 4,222 21,096
12 Guardian Trust Co. FSB New York Guardian Life Insurance Co. of America thrift 1,647 1,693 97.3 1,653 7,143
13 National Advisors Trust Co. FSB Overland Park, Kan. National Advisors Holdings Inc. thrift 1,018 1,051 96.9 949 4,538
14 Capital Bank and Trust Co. FSB Irvine, Calif. Capital Group Cos. Inc. thrift 32,820 33,955 96.7 33,813 134,099
Franklin Resources Inc. San Mateo, Calif. none bank 1,494,614 1,546,387 96.7 1,642,482 9,324,594
16 Stifel Financial Corp. St. Louis none bank 201,355 208,952 96.4 NA 1,685,837
17 Edward Jones Trust Co. St. Louis Jones Financial Cos. LLLP thrift 3,774 3,939 95.8 3,606 34,764
18 Davidson Trust Co. Great Falls, Mont. Dadco Inc. ESOP thrift 1,118 1,169 95.6 1,273 5,441
19 MMA Trust Co. Goshen, Ind. Mennonite Mutual Aid Association thrift 598 627 95.4 672 4,429
20 Independence Trust Co. Franklin, Tenn. Independence Holding Corp. thrift 449 471 95.3 502 3,034
21 Country Trust Bank Bloomington, Ill. Illinois Agricultural Association thrift 5,244 5,529 94.8 4,796 27,082
22 Nordstrom FSB Scottsdale, Ariz. Nordstrom Inc. thrift 45,884 48,532 94.5 51,437 181,201
23 Bessemer Group Inc. Woodbridge, N.J. none bank 75,298 81,053 92.9 72,441 1,455,073
24 Bank of New York Mellon Corp. none bank 3,141,000 3,400,000 92.4 1,567,000 201,344,000
25 MassMutual Trust Co. FSB Enfield, Conn. Massachusetts Mutual Life Insurance Co. thrift 1,236 1,380 89.6 1,127 15,273
26 Auto Club Trust FSB Dearborn, Mich. Auto Club Insurance Association Group thrift 420 481 87.3 601 6,212
27 American Express Bank FSB Salt Lake City American Express Co. thrift 1,309,160 1,541,669 84.9 1,223,069 25,024,015
28 Nationwide Bank Columbus, Ohio Nationwide Mutual Group thrift 59,572 70,918 84.0 66,379 1,553,335
29 First Community Bancshares Inc. Houston none bank 44,179 53,316 82.9 45,225 1,011,356
30 Universal Savings Bank FA Milwaukee Universal Savings Banc Holdings Inc. thrift 84 106 79.2 1,254 4,303
31 Woodforest Financial Group Inc. The Woodlands, Tex. none bank 78,734 100,399 78.4 53,212 2,736,168
32 Northern Trust Corp. Chicago none bank 845,202 1,081,434 78.2 673,717 74,806,905
33 Morgan Stanley Trust Jersey City Morgan Stanley thrift 46,666 61,048 76.4 33,853 5,398,160
34 State Street Corp. Boston none bank 2,005,231 2,672,222 75.0 1,537,868 146,517,251
CU Bank Shares Inc. Dallas none bank 30,724 40,967 75.0 25,848 1,388,618
36 Independent Bankers Financial Corp. Irving, Tex. none bank 23,327 31,793 73.4 21,792 1,816,038
37 Pierce County Bancorp Tacoma none bank 5,978 8,182 73.1 3,331 269,358
38 MetLife Inc. New York none bank 9,669,879 13,414,635 72.1 9,124,244 555,786,932
39 Pacific Coast Bankers’ Bancshares San Francisco none bank 9,315 13,030 71.5 NA 510,833
40 Pedcor Capital LLC Carmel, Ind. none bank 4,171 5,847 71.3 4,033 363,644
41 United National Corp. Sioux Falls, S.D. none bank 143,296 203,439 70.4 153,332 1,456,626
42 Cenlar FSB Trenton, N.J. Cenlar Capital Corp. thrift 10,660 15,313 69.6 9,519 527,553
43 Community Development Bank FSB Ogema, Minn. Midwest Minnesota Community Development Corp. thrift 504 754 66.8 60 32,242
44 Waukegan Savings Bank Ill. none thrift 450 676 66.6 203 105,847
45 Two Rivers Bank and Trust Burlington, Iowa Two Rivers Financial Group Inc. thrift 4,227 6,398 66.1 3,313 279,919
46 Tolleson Wealth Management Inc. Dallas none bank 3,562 5,395 66.0 2,989 254,434
47 Fullerton Federal Savings Association Baltimore none thrift 66 102 64.7 19 9,816
48 Seattle Savings Bank Seattle Financial Group Inc. thrift 6,573 10,236 64.2 165,066 654,688
49 First Horizon National Corp. Memphis none bank 389,025 626,948 62.1 272,453 35,550,924
50 First American Trust FSB Santa Ana, Calif. First American Corp. thrift 8,302 13,549 61.3 3,288 1,179,353
51 KeyCorp Cleveland none bank 554,195 909,309 60.9 640,985 101,957,764
52 First National Banker’s Bankshares Inc. Baton Rouge none bank 5,858 9,631 60.8 3,899 555,114
53 Essex Savings Bank Conn. none thrift 3,225 5,310 60.7 2,955 266,614
54 County Savings Bank Essington, Pa. none thrift 43 71 60.6 49 55,059
55 Rurban Financial Corp. Defiance, Ohio none bank 6,801 11,233 60.5 6,507 576,513
56 Bramble Savings Bank Milford, Ohio none thrift 334 553 60.4 25 53,957
Access National Corp. Reston, Va. none bank 8,011 13,272 60.4 8,102 648,954
58 Alerus Financial Corp. Grand Forks, N.D. none bank 9,804 16,324 60.1 7,535 740,287
59 Wilmington Trust Corp. Del. none bank 105,702 178,395 59.3 96,258 12,317,743
60 MidCountry Bank Marion, Ill. MidCountry Financial Corp. thrift 13,497 22,823 59.1 4,501 1,056,263
Chevy Chase Bank FSB Bethesda, Md. B.F. Saul Co. thrift 161,942 273,902 59.1 60,942 14,913,528
62 East Asia Holding Co. Inc. New York Bank of East Asia Ltd. bank 6,205 10,634 58.4 2,840 789,521
63 Cass Information Systems Inc. Bridgeton, Mo. none bank 13,338 23,480 56.8 11,972 905,716
64 Evolve Financial Group Inc. Cordova, Tenn. none bank 1,388 2,448 56.7 819 92,894
65 Boston Private Financial Holdings Inc. none bank 67,797 119,961 56.5 51,819 7,206,154
66 Farm Bureau Bank FSB Sparks, Nev. FB BanCorp thrift 6,502 11,611 56.0 1,988 585,971
67 Farmers and Merchants Investment Inc. Lincoln, Neb. none bank 17,203 30,878 55.7 15,096 1,783,056
MetaBank Storm Lake, Iowa Meta Financial Group Inc. thrift 8,315 14,928 55.7 7,324 785,281
69 Family Federal Savings of Illinois Cicero none thrift 639 1,155 55.3 -22 64,257
70 First Investors Federal Savings Bank Edison, N.J. First Investors Consolidated Corp. thrift 704 1,275 55.2 935 46,926
71 Mackinac Financial Corp. Manistique, Mich. none bank 3,747 6,865 54.6 366 437,327
72 UMB Financial Corp. Kansas City, Mo. none bank 78,946 144,990 54.4 71,566 8,806,522
73 Priority Bank Ozark, Ark. Priority One Holding Co. thrift 550 1,016 54.1 368 49,957
74 CCB Financial Corp. Kansas City, Mo. none bank 7,385 13,694 53.9 6,142 695,548
75 Ameri-National Corp. Overland Park, Kan. none bank 6,114 11,440 53.4 5,853 1,008,742
Oneida Savings Bank New York Oneida Financial MHC thrift 4,464 8,353 53.4 4,522 549,326
77 Wachovia Corp. Charlotte none bank 3,910,000 7,391,000 52.9 4,207,000 812,433,000
78 SNBNY Holdings Ltd. Gibraltar none bank 18,057 34,459 52.4 7,485 3,469,884
79 PNC Financial Services Group Inc. Pittsburgh none bank 1,062,632 2,038,239 52.1 882,860 142,791,491
80 U.S. Bancorp Minneapolis none bank 1,947,000 3,759,000 51.8 1,851,000 246,538,000
81 Abbeville Building and Loan La. none thrift 336 653 51.5 134 31,066
82 Urban Trust Bank Orlando Worldwide Financial Investors Inc. thrift 832 1,618 51.4 210 117,633
83 Tennessee Central Bancshares Inc. Parsons none bank 5,735 11,198 51.2 NA 634,059
JPMorgan Chase & Co. New York none bank 9,421,000 18,399,000 51.2 12,975,000 1,775,670,000
85 Lake Shore Savings Bank Dunkirk, N.Y. Lake Shore MHC thrift 607 1,200 50.6 484 381,907
86 American Home Bank Chicago American Home Mortgage Investment Corp. thrift 984 1,950 50.5 -1,224 161,627
87 Gateway Bank FSB San Francisco SK & LL Wang LLC thrift 2,757 5,483 50.3 1,860 475,308
88 Dickinson Financial Corp. II Kansas City, Mo. none bank 41,961 85,445 49.1 40,130 5,702,846
Select Bank Egg Harbor City, N.J. CBHC Financialcorp Inc. thrift 54 110 49.1 46 137,866
Amalgamated Investments Co. Chicago none bank 5,569 11,352 49.1 9,458 724,319
91 Capital One Financial Corp. McLean, Va. none bank 1,642,059 3,367,441 48.8 1,939,055 151,114,271
92 USAA Federal Savings Bank San Antonio United Services Automobile Association thrift 284,278 584,483 48.6 269,717 31,539,259
Teche Federal Bank Franklin, La. Teche Holding Co. thrift 3,799 7,818 48.6 3,605 774,647
Central Community Corp. Temple, Tex. none bank 8,635 17,772 48.6 9,038 1,035,830
95 Magna Bank Memphis none thrift 2,994 6,197 48.3 1,318 533,969
96 Falcon Bancshares Inc. Laredo, Tex. none bank 7,411 15,441 48.0 1,300 865,615
97 Home Savings of America Little Falls, Minn. Home Savings Bancorp thrift 1,670 3,511 47.6 32 306,154
98 Arvest Bank Group Inc. Bentonville, Ark. none bank 80,422 169,141 47.5 67,715 9,922,116
Plains Capital Corp. Dallas Maedgen & White Ltd. bank 28,239 59,449 47.5 21,433 3,318,988
Silverton Financial Services Inc. Atlanta none bank 16,820 35,442 47.5 12,873 2,919,848
101 Fifth Third Bancorp Cincinnati none bank 690,808 1,460,830 47.3 672,899 114,974,981
102 First Savings Bank Beresford, S.D. Beresford Bancorp. Inc. thrift 7,139 15,154 47.1 4,955 454,503
103 Midwest Heritage Bank FSB Chariton, Iowa Hy-Vee Inc. thrift 1,058 2,259 46.8 899 132,412
104 Bank of America Corp. Charlotte none bank 9,379,963 20,321,421 46.2 11,107,682 1,723,269,816
105 Riverside Banking Co. Fort Pierce, Fla. none bank 9,504 20,707 45.9 14,670 4,373,714
106 Provident Bankshares Corp. Baltimore none bank 28,496 62,807 45.4 30,644 6,383,935
107 Grand Bank for Savings FSB Hattiesburg, Miss. Grand Financial Corp. thrift 972 2,146 45.3 969 109,784
108 Barclays Group U.S. Inc. Wilmington, Del. Barclays PLC bank 613,777 1,356,428 45.2 631,265 325,617,617
109 Bankers’ Bancorp Inc. Springfield, Ill. none bank 2,620 5,826 45.0 2,375 580,674
110 Wells Fargo & Co. San Francisco none bank 5,131,000 11,459,000 44.8 4,614,000 609,074,000
First Security Bancorp Searcy, Ark. none bank 16,126 36,025 44.8 11,184 2,415,372
112 Carbon County Holding Co. Rawlins, Wyo. none bank 1,281 2,876 44.5 1,108 165,040
AmeriServ Financial Inc. Johnstown, Pa. none bank 5,480 12,309 44.5 3,592 877,230
First Federal Bank Tuscaloosa, Ala. Southeastern Financial Inc. thrift 1,101 2,474 44.5 1,375 137,689
115 Domestic Bank Cranston, R.I. Sargent Investors Inc. thrift 1,854 4,204 44.1 2,244 251,684
Johnson Financial Group Inc. Racine, Wis. none bank 28,689 65,111 44.1 25,491 5,365,444
117 Regions Financial Corp. Birmingham, Ala. none bank 771,949 1,753,566 44.0 743,905 144,438,176
118 Citizens Building and Loan Association Greer, S.C. none thrift 711 1,629 43.6 61 96,785
119 Commerce Bancshares Inc. Kansas City, Mo. none bank 109,461 253,688 43.1 96,388 17,033,546
Capitol Bancorp. Inc. Britton, S.D. none bank 13,966 32,378 43.1 12,605 609,146
Bancorp Inc. Wilmington, Del. none bank 3,519 8,160 43.1 7,128 1,677,406
122 Washington Trust Bancorp Inc. Westerly, R.I. none bank 12,209 28,363 43.0 11,821 2,734,341
123 BB&T Corp. Winston-Salem, N.C. none bank 809,382 1,887,786 42.9 728,492 136,465,302
124 TCF Financial Corp. Wayzata, Minn. none bank 117,221 274,078 42.8 126,158 16,513,812
125 Community Central Bank Corp. Mount Clemens, Mich. none bank 2,110 4,955 42.6 1,145 532,319
126 Royal Bancshares of Pennsylvania Inc. Narberth none bank 4,973 11,702 42.5 2,172 1,161,735
127 Northeast Bancorp Lewiston, Maine none bank 2,741 6,517 42.1 2,102 598,210
Atlantic Coast Bank Waycross, Ga. Atlantic Coast Federal MHC thrift 4,347 10,337 42.1 2,181 955,937
129 Central of Kansas Inc. Junction City none bank 5,535 13,213 41.9 3,772 883,163
130 First Financial Bank and Trust Co. Plaquemine, La. Shay Investment Services Inc. thrift 377 908 41.5 203 67,634
131 Southern National Banks Inc. Fort Walton Beach, Fla. none bank 2,745 6,634 41.4 2,996 359,745
132 Guaranty Bank Milwaukee Guaranty Financial M.H.C. thrift 19,398 47,287 41.0 20,163 1,755,030
133 Ulster Savings Bank Kingston, N.Y. none thrift 3,825 9,433 40.5 3,818 644,371
134 C&F Financial Corp. West Point, Va. none bank 7,162 17,728 40.4 7,159 845,654
M&F Bancorp Inc. Holly Springs, Miss. none bank 507 1,256 40.4 459 80,283
Iberiabank Corp. Lafayette, La. none bank 22,263 55,170 40.4 20,958 5,324,150
137 Community Bankshares Inc. Cornelia, Ga. none bank 7,422 18,475 40.2 5,836 1,379,382
138 1st Source Corp. South Bend, Ind. none bank 21,531 53,719 40.1 19,470 4,477,614
139 Generations Bank Phillipsburg, Kan. Brooke Corp. thrift 250 628 39.8 20 130,180
140 Old National Bancorp Evansville, Ind. none bank 41,452 104,857 39.5 38,763 7,601,849
141 Extraco Corp. Waco, Tex. none bank 6,157 15,685 39.3 6,199 1,096,166
142 Independent Southern Bancshares Inc. Brownsville, Tenn. none bank 2,318 5,911 39.2 1,071 562,447
BancorpSouth Inc. Tupelo, Miss. none bank 71,786 183,109 39.2 61,284 13,405,307
144 BankAtlantic Fort Lauderdale, Fla. BFC Financial Corp. thrift 33,063 84,569 39.1 35,492 6,369,215
145 Bank of Hawaii Corp. Honolulu none bank 69,977 179,291 39.0 58,537 10,371,148
146 West Bend Savings Bank Wis. WBSB Bancorp MHC thrift 2,026 5,215 38.8 1,873 451,685
147 Progressive Savings Bank FSB Jamestown, Tenn. none thrift 1,041 2,692 38.7 981 235,975
148 Southwest Georgia Financial Corp. Moultrie none bank 1,487 3,852 38.6 1,444 268,866
Webster Financial Corp. Waterbury, Conn. none bank 46,628 120,807 38.6 59,428 17,495,472
First Citizens BancShares Inc. Raleigh none bank 78,761 204,189 38.6 73,979 16,422,674


Notes: Data for bank holding companies from consolidated Y-9C reports. Data for thrift holding companies estimated from thrift subsidiaries. Includes thrift subsidiaries (savings banks and savings institutions) consolidated at the top tier level. Firms with negative total revenue were excluded.
Source:

SNL Financial
, Charlottesville, Va.
© 2008 American Banker

Banks, thrifts and holding companies