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Banks, thrifts and holding companies

Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

February 03, 2009, 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 Sept. 30, 2008. Dollars in thousands
Published February 3, 2009
Rank   Parent company Type of holding company Income 3Q '07
Noninterest income 		Assets
Noninterest Total net Ratio
1 Community Guaranty Savings Bank Plymouth, N.H. Community Guaranty Corp. thrift $172 $11 1563.6% $125 $96,259
2 Seattle Bank Seattle Financial Group Inc. thrift 5,357 690 776.4 10,287 665,967
3 Sovereign Bank Wyomissing, Pa. Sovereign Bancorp Inc. thrift 156,556 98,666 158.7 132,041 77,151,860
4 Passumpsic Bancorp St. Johnsbury, Vt. none bank 1,141 862 132.4 1,175 563,961
5 Villages Bancorp. Inc. The Villages, Fla. none bank 1,682 1,313 128.1 1,034 1,016,377
6 Nationwide Bank Columbus, Ohio Nationwide Mutual Group thrift 57,101 45,704 124.9 68,695 1,900,744
7 Rockville Financial Inc. Vernon Rockville, Conn. none bank 1,429 1,248 114.5 1,259 1,503,079
8 Mayflower Co-operative Bank Middleboro, Mass. Mayflower Bancorp Inc. thrift 343 309 111.0 314 239,438
9 City Holding Co. Charleston, W.Va. none bank 14,261 13,175 108.2 13,710 2,465,525
10 MountainOne Financial Partners North Adams, Mass. none bank 2,495 2,474 100.8 2,868 926,262
11 FDS Bank Mason, Ohio Macy’s Inc. thrift 131,245 131,759 99.6 135,393 103,269
12 Northwestern Mutual Wealth Management Co. Milwaukee Northwestern Mutual Life Insurance Co. thrift 29,865 30,246 98.7 15,958 41,563
13 Fidelity Personal Trust Co. FSB Boston FMR LLC thrift 8,074 8,189 98.6 5,125 24,066
14 SEI Private Trust Co. Oaks, Pa. SEI Investments Co. thrift 40,297 40,956 98.4 39,797 89,126
15 Northway Financial Inc. Berlin, N.H. none bank 1,010 1,030 98.1 1,353 721,111
16 Trust Co. of Virginia Richmond TCV Financial Corp. thrift 1,697 1,735 97.8 NA 5,111
17 TIAA-CREF Trust Co. FSB St. Louis TIAA Board of Overseers thrift 6,347 6,496 97.7 6,004 18,482
18 National Advisors Trust Co. FSB Overland Park, Kan. National Advisors Holdings Inc. thrift 975 1,005 97.0 1,020 4,640
19 Guardian Trust Co. FSB New York Guardian Life Insurance Co. of America thrift 1,461 1,507 96.9 1,789 6,588
20 Capital Bank and Trust Co. FSB Irvine, Calif. Capital Group Cos. Inc. thrift 33,687 34,805 96.8 31,893 125,188
21 Stifel Financial Corp. St. Louis none bank 211,042 218,956 96.4 174,814 2,040,569
22 MMA Trust Co. Goshen, Ind. Mennonite Mutual Aid Association thrift 718 746 96.2 658 4,461
23 Franklin Resources Inc. San Mateo, Calif. none bank 1,278,342 1,333,161 95.9 1,629,349 9,184,771
24 Edward Jones Trust Co. St. Louis Jones Financial Cos. LLLP thrift 3,566 3,721 95.8 3,367 33,214
25 Independence Trust Co. Franklin, Tenn. Independence Holding Corp. thrift 405 425 95.3 402 3,111
26 Davidson Trust Co. Great Falls, Mont. Davidson Cos. thrift 1,076 1,132 95.1 1,519 5,105
27 Bessemer Group Inc. Woodbridge, N.J. none bank 68,336 71,970 95.0 86,416 1,569,088
28 Country Trust Bank Bloomington, Ill. Illinois Agricultural Association thrift 5,236 5,517 94.9 4,262 27,801
29 Nordstrom FSB Scottsdale, Ariz. Nordstrom Inc. thrift 48,853 51,745 94.4 44,338 176,126
30 CU Bank Shares Inc. Dallas none bank 33,757 36,639 92.1 28,343 1,344,832
31 MassMutual Trust Co. FSB Enfield, Conn. Massachusetts Mutual Life Insurance Co. thrift 1,352 1,495 90.4 1,175 15,800
32 Farmers Capital Bank Corp. Frankfort, Ky. none bank 5,957 6,774 87.9 6,386 2,154,457
33 GSB Greenfield, Mass. none bank 970 1,109 87.5 859 576,744
34 Commercial Holding Co. Paris, Tenn. none bank 1,059 1,211 87.4 1,130 580,393
35 Westamerica Bancorp. San Rafael, Calif. none bank 14,344 16,676 86.0 14,244 4,089,981
36 Cooperative Bank Roslindale, Mass. none thrift 252 297 84.8 255 254,089
37 Bank of New York Mellon Corp. none bank 2,933,000 3,473,000 84.5 2,985,000 267,636,000
38 First Community Bancshares Inc. Houston none bank 45,968 54,768 83.9 41,902 993,270
39 American Express Bank FSB Salt Lake City American Express Co. thrift 1,266,354 1,529,649 82.8 1,270,094 23,598,437
40 State Street Corp. Boston none bank 2,248,938 2,770,494 81.2 1,779,384 286,712,268
41 Square 1 Financial Inc. Durham, N.C. none bank 1,606 2,002 80.2 NA 1,054,211
42 Union Bancshares Inc. Pell City, Ala. none bank 1,254 1,572 79.8 1,254 305,588
43 Randolph Savings Bank Mass. Randolph Bancorp thrift 597 757 78.9 647 354,621
MetLife Inc. New York none bank 7,994,543 10,138,503 78.9 8,896,881 521,298,319
45 Woodforest Financial Group Inc. The Woodlands, Tex. none bank 83,847 106,481 78.7 57,333 2,802,164
46 Pedcor Capital LLC Carmel, Ind. none bank 3,588 4,639 77.3 15,121 382,114
47 Northern Trust Corp. Chicago none bank 689,258 926,219 74.4 657,546 79,243,977
48 Briscoe Ranch Inc. Uvalde, Tex. none bank 11,105 15,088 73.6 NA 582,445
49 United National Corp. Sioux Falls, S.D. none bank 143,398 197,436 72.6 153,412 1,503,674
Pierce County Bancorp Tacoma none bank 5,924 8,161 72.6 3,455 271,540
51 VIST Financial Corp. Wyomissing, Pa. none bank 4,957 7,041 70.4 5,154 1,181,608
52 Independent Bankers Financial Corp. Irving, Tex. none bank 21,683 30,939 70.1 20,736 1,821,279
53 Pacific Coast Bankers’ Bancshares San Francisco none bank 8,946 12,948 69.1 NA 555,167
54 Evolve Financial Group Inc. Cordova, Tenn. none bank 2,165 3,148 68.8 1,238 94,165
55 Dime Bank Norwich, Conn. none thrift 974 1,418 68.7 832 684,687
56 Cenlar FSB Trenton, N.J. Cenlar Capital Corp. thrift 9,150 13,377 68.4 9,489 537,893
57 Guaranty Bank Milwaukee Guaranty Financial thrift 52,698 79,262 66.5 13,310 1,561,851
58 Forethought Federal Savings Bank Batesville, Ind. none thrift 478 723 66.1 485 121,477
59 Tolleson Wealth Management Inc. Dallas none bank 3,343 5,188 64.4 3,113 250,252
Two Rivers Bank and Trust Burlington, Iowa Two Rivers Financial Group Inc. thrift 3,596 5,584 64.4 3,701 275,148
61 Rurban Financial Corp. Defiance, Ohio none bank 7,318 11,437 64.0 6,783 585,022
62 Camden National Corp. Maine none bank 4,601 7,261 63.4 3,165 2,311,238
63 Fullerton Federal Savings Association Baltimore none thrift 66 105 62.9 14 9,452
64 Alerus Financial Corp. Grand Forks, N.D. none bank 9,255 15,110 61.3 7,861 755,116
65 MetaBank Storm Lake, Iowa Meta Financial Group Inc. thrift 10,555 17,380 60.7 5,215 761,794
Webster Five Cents Savings Bank Mass. none thrift 1,747 2,877 60.7 1,212 548,980
67 Wilmington Trust Corp. Del. none bank 106,222 178,856 59.4 94,361 12,386,648
Essex Savings Bank Conn. none thrift 3,119 5,252 59.4 3,519 272,114
69 Lauritzen Corp. Omaha none bank 11,557 19,474 59.3 25,399 1,450,556
70 First Horizon National Corp. Memphis none bank 303,373 525,306 57.8 202,343 32,805,263
71 Provident Bankshares Corp. Baltimore none bank 27,945 48,410 57.7 35,074 6,412,325
72 MidCountry Bank Marion, Ill. MidCountry Financial Corp. thrift 11,671 20,280 57.5 9,638 933,197
73 First Federal Savings Bank Clarksville, Tenn. First Advantage Bancorp thrift 406 710 57.2 399 326,894
74 First National Banker’s Bankshares Inc. Baton Rouge none bank 5,180 9,286 55.8 3,143 701,211
75 Cass Information Systems Inc. Bridgeton, Mo. none bank 13,600 24,416 55.7 11,988 956,979
76 First American Trust FSB Santa Ana, Calif. First American Corp. thrift 6,003 10,873 55.2 2,840 1,109,452
Home Savings of America Little Falls, Minn. Home Savings Bancorp thrift 2,528 4,581 55.2 26 366,208
78 Katahdin Bankshares Corp. Patten, Maine none bank 758 1,389 54.6 746 465,345
79 U.S. Bancorp Minneapolis none bank 1,822,000 3,344,000 54.5 1,835,000 247,055,000
80 EverBank Jacksonville, Fla. EverBank Financial Corp. thrift 40,449 74,521 54.3 30,487 6,534,989
81 Sanford Institution for Savings Maine SIS Bancorp thrift 668 1,239 53.9 355 446,411
Auto Club Trust FSB Dearborn, Mich. Auto Club Insurance Association Group thrift 76 141 53.9 605 6,171
83 First Investors Federal Savings Bank Edison, N.J. First Investors Consolidated Corp thrift 666 1,237 53.8 830 58,203
84 Chevy Chase Bank FSB Bethesda, Md. B.F. Saul Co. thrift 127,444 237,235 53.7 93,394 15,499,467
85 Orange Savings Bank SSB Tex. OSB Financial Services Inc. thrift 656 1,225 53.6 686 334,467
86 Farmers and Merchants Investment Inc. Lincoln, Neb. none bank 16,146 30,203 53.5 14,051 1,809,819
87 Harvard Savings Bank Ill. Harvard Savings thrift 155 291 53.3 159 160,229
88 Webster City Federal Savings Bank Iowa WCF Financial thrift 45 86 52.3 52 87,581
89 Dickinson Financial Corp. II Kansas City, Mo. none bank 46,518 89,126 52.2 40,865 5,602,028
90 Bankers’ Bancorp Inc. Springfield, Ill. none bank 2,642 5,070 52.1 2,256 594,522
91 UMB Financial Corp. Kansas City, Mo. none bank 75,149 145,365 51.7 76,975 9,337,341
92 Heritage Bank of the South Albany, Ga. Heritage thrift 1,646 3,195 51.5 1,878 495,498
93 Johnson Financial Group Inc. Racine, Wis. none bank 24,522 48,267 50.8 25,329 5,704,546
Ameri-National Corp. Overland Park, Kan. none bank 4,824 9,499 50.8 4,890 982,914
95 Boston Private Financial Holdings Inc. none bank 52,344 103,650 50.5 54,918 7,068,239
96 Access National Corp. Reston, Va. none bank 5,576 11,131 50.1 6,117 656,461
American Bancorp. St. Paul none bank 2,062 4,119 50.1 1,976 676,433
98 Plains Capital Corp. Dallas Maedgen & White Ltd. bank 31,470 62,978 50.0 20,775 3,367,099
99 Central Community Corp. Temple, Tex. none bank 8,690 17,445 49.8 9,576 1,029,612
100 Home City Federal Savings Bank of Springfield Ohio Home City Financial Corp. thrift 172 346 49.7 137 138,378
101 CIB Marine Bancshares Inc. Pewaukee, Wis. none bank 4,649 9,378 49.6 125 937,075
102 HSBC North America Holdings Inc. Mettawa, Ill. HSBC Holdings PLC bank 3,337,755 6,790,159 49.2 1,678,979 467,739,691
103 CCB Financial Corp. Kansas City, Mo. none bank 6,342 12,940 49.0 5,969 739,990
104 Domestic Bank Cranston, R.I. Sargent Investors Inc. thrift 2,160 4,477 48.2 1,963 250,491
105 Capital One Financial Corp. McLean, Va. none bank 1,683,314 3,501,518 48.1 1,964,621 154,803,113
106 Silverton Financial Services Inc. Atlanta none bank 15,689 32,743 47.9 13,959 2,997,377
107 Bank of America Corp. Charlotte none bank 9,425,249 19,726,847 47.8 6,405,519 1,836,452,425
108 Amalgamated Investments Co. Chicago none bank 5,249 10,994 47.7 5,676 747,400
109 Fidelity Bancorp Inc. Pittsburgh none bank 865 1,816 47.6 842 726,974
110 BankSouth Greensboro, Ga. Citizens Financial Services Inc. thrift 1,965 4,159 47.2 821 237,694
111 Lincoln County Bancorp Inc. Troy, Mo. none bank 1,270 2,708 46.9 1,154 679,580
112 1st Source Corp. South Bend, Ind. none bank 21,492 45,890 46.8 17,930 4,409,619
Arvest Bank Group Inc. Bentonville, Ark. none bank 76,689 163,839 46.8 65,454 9,843,410
114 USAA Federal Savings Bank San Antonio United Services Automobile Association thrift 222,187 475,772 46.7 271,193 31,680,535
Citizens Bankshares Inc. Farmington, N.M. none bank 2,251 4,821 46.7 2,094 526,494
116 Priority Bank Ozark, Ark. Priority One Holding Co. thrift 467 1,006 46.4 321 49,739
117 Stockmens Financial Corp. Rapid City, S.D. Stockmens Ltd. Partnership bank 2,709 5,897 45.9 2,629 680,223
118 Tomahawk Community Bank SSB Wis. none thrift 672 1,489 45.1 310 81,243
SunTrust Banks Inc. Atlanta none bank 1,083,411 2,402,670 45.1 812,429 174,776,760
Carbon County Holding Co. Rawlins, Wyo. none bank 1,305 2,896 45.1 1,135 165,618
121 ANB Corp. Terrell, Tex. A.N.B. Holding Co. Ltd. bank 14,897 33,169 44.9 7,465 1,846,738
122 Utrecht-America Holdings Inc. New York Rabobank Nederland bank 35,727 79,843 44.7 -114,972 46,162,543
123 Omni Financial Services Inc. Atlanta none bank 1,976 4,426 44.6 974 1,043,833
124 RBC Bancorp. USA Raleigh Royal Bank of Canada bank 64,171 144,857 44.3 44,909 32,059,020
125 Heartland Bank St. Louis Love Savings Holding Co. thrift 7,216 16,366 44.1 898 900,095
126 Valley National Bancorp Wayne, N.J. none bank 36,770 83,745 43.9 20,343 14,288,151
127 PNC Financial Services Group Inc. Pittsburgh none bank 719,590 1,645,790 43.7 990,067 145,644,536
128 National Penn Bancshares Inc. Boyertown, Pa. none bank 36,574 83,798 43.6 17,651 9,316,795
129 TCF Financial Corp. Wayzata, Minn. none bank 118,737 274,881 43.2 124,761 16,541,975
130 Capitol Bancorp. Inc. Britton, S.D. none bank 13,891 32,426 42.8 18,456 595,076
131 Ames National Corp. Iowa none bank 1,375 3,223 42.7 1,450 846,474
132 Capital City Bank Group Inc. Tallahassee, Fla. none bank 20,164 47,376 42.6 14,389 2,442,813
133 C&F Financial Corp. West Point, Va. none bank 7,177 16,890 42.5 6,444 846,294
Washington Trust Bancorp Inc. Westerly, R.I. none bank 11,571 27,233 42.5 11,851 2,768,253
135 BOK Financial Corp. Tulsa none bank 122,351 288,802 42.4 101,354 22,477,815
136 SNBNY Holdings Ltd. Gibraltar none bank 11,269 26,709 42.2 19,352 3,603,388
137 Community Trust Bancorp Inc. Pikeville, Ky. none bank 9,492 22,530 42.1 9,934 2,908,928
Northeast Bancorp Lewiston, Maine none bank 2,666 6,332 42.1 1,984 605,183
139 Peoples Bancorp. Inc. Easley, S.C. none bank 936 2,228 42.0 NA 550,823
140 Western Alliance Bancorp. Las Vegas none bank 12,495 29,840 41.9 8,230 5,228,970
Stoneham Savings Bank Mass. none thrift 793 1,894 41.9 787 451,159
142 Huntington Bancshares Inc. Columbus, Ohio none bank 230,884 551,790 41.8 210,471 54,669,893
M&T Bank Corp. Buffalo Allied Irish Banks PLC bank 241,615 577,581 41.8 235,860 65,247,215
144 First Federal Savings Bank of Boston First Eastern Bankshares Corp. thrift 680 1,634 41.6 495 60,945
145 Extraco Corp. Waco, Tex. none bank 6,844 16,472 41.5 6,682 1,065,329
Midwest Heritage Bank FSB West Des Moines Hy-Vee Inc. thrift 910 2,191 41.5 807 120,795
Regions Financial Corp. Birmingham, Ala. none bank 655,072 1,578,648 41.5 669,497 144,294,958
Savings Bank of Walpole N.H. none thrift 525 1,266 41.5 590 253,385
Citizens Financial Services Inc. Mansfield, Pa. none bank 1,327 3,201 41.5 1,155 620,724
East Cambridge Savings Bank Cambridge, Mass. none thrift 1,329 3,206 41.5 430 814,998


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.
© 2009 American Banker

Banks, thrifts and holding companies