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Banks, thrifts and holding companies

Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

June 25, 2009, 10:08 a.m. EDT 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 Dec. 31, 2008. Dollars in thousands
Published June 25, 2009
Rank   Parent company Type of holding company Income 4Q '07
Noninterest income 		Assets
Noninterest Total net Ratio
1 Marshall BankFirst Corp. Minneapolis none bank $10,374 $1,771 585.8% $82,934 $371,165
2 Bankers’ Bancorp Inc. Springfield, Ill. none bank 11,008 3,198 344.2 9,159 622,045
3 Peapack-Gladstone Financial Corp. Gladstone, N.J. none bank 14,382 5,039 285.4 13,823 1,385,425
4 Financial Institutions Inc. Warsaw, N.Y. none bank 18,690 16,491 113.3 19,958 1,916,919
5 FDS Bank Mason, Ohio Macy’s Inc. thrift 591,146 593,600 99.6 621,834 114,785
6 Northwestern Mutual Wealth Management Co. Milwaukee Northwestern Mutual Life Insurance Co. thrift 113,644 115,231 98.6 56,224 41,290
7 SEI Private Trust Co. Oaks, Pa. SEI Investments Co. thrift 155,059 158,567 97.8 156,499 92,687
8 CU Bank Shares Inc. Dallas none bank 125,414 128,322 97.7 104,984 1,217,564
9 TIAA-CREF Trust Co. FSB St. Louis TIAA Board of Overseers thrift 25,389 26,020 97.6 23,965 18,541
10 Trust Co. of Virginia Richmond TCV Financial Corp. thrift 6,634 6,802 97.5 NA 5,256
Franklin Resources Inc. San Mateo, Calif. none bank 5,170,994 5,302,514 97.5 6,471,457 8,962,111
12 Guardian Trust Co. FSB New York Guardian Life Insurance Co. of America thrift 5,980 6,167 97.0 6,675 6,293
13 Capital Bank and Trust Co. FSB Irvine, Calif. Capital Group Cos. Inc. thrift 139,022 143,674 96.8 128,279 157,807
14 Fidelity Personal Trust Co. FSB Boston FMR LLC thrift 24,675 25,510 96.7 18,213 24,825
National Advisors Trust Co. FSB Overland Park, Kan. National Advisors Holdings Inc. thrift 4,101 4,240 96.7 4,024 4,777
16 Stifel Financial Corp. St. Louis none bank 838,843 870,482 96.4 733,926 1,558,145
17 Edward Jones Trust Co. St. Louis Jones Financial Cos. LLLP thrift 14,398 14,989 96.1 14,314 34,085
18 MMA Trust Co. Goshen, Ind. Mennonite Mutual Aid Association thrift 2,597 2,713 95.7 2,714 4,429
19 Davidson Trust Co. Great Falls, Mont. Davidson Cos. thrift 4,369 4,578 95.4 5,276 5,164
20 Bessemer Group Inc. Woodbridge, N.J. none bank 272,192 286,347 95.1 304,084 1,793,126
21 Independence Trust Co. Franklin, Tenn. Independence Holding Corp. thrift 1,627 1,717 94.8 1,881 3,212
22 Country Trust Bank Bloomington, Ill. Illinois Agricultural Association thrift 20,320 21,462 94.7 18,861 27,960
23 Nordstrom FSB Scottsdale, Ariz. Nordstrom Inc. thrift 186,016 197,261 94.3 183,607 184,733
24 Universal Savings Bank FA Milwaukee Universal Savings Banc Holdings Inc. thrift 654 696 94.0 3,841 3,075
25 Eagle Bank Everett, Mass. none thrift 1,647 1,805 91.2 2,078 430,322
26 Nationwide Bank Columbus, Ohio Nationwide Mutual Group thrift 233,282 256,064 91.1 268,372 2,246,123
27 Bank of New York Mellon Corp. none bank 12,181,000 13,504,000 90.2 9,265,000 237,652,000
28 MassMutual Trust Co. FSB Enfield, Conn. Massachusetts Mutual Life Insurance Co. thrift 4,962 5,518 89.9 4,596 15,691
29 Midwest Banc Holdings Inc. Melrose Park, Ill. none bank 31,387 36,370 86.3 15,445 3,570,212
30 Franklin Federal Savings and Loan Association of Richmond Glen Allen, Va. Franklin Financial Corp. thrift 2,406 2,875 83.7 2,610 992,840
31 First Community Bancshares Inc. Houston none bank 173,558 208,641 83.2 168,699 1,015,212
32 Auto Club Trust FSB Dearborn, Mich. Auto Club Insurance Association Group thrift 1,159 1,410 82.2 2,500 6,368
33 Seattle Bank Seattle Financial Group Inc. thrift 21,997 27,463 80.1 202,521 665,426
34 FSB Bancorp Inc. Altus, Okla. none bank 9,996 12,559 79.6 NA 123,622
35 American Express Bank FSB Salt Lake City American Express Co. thrift 4,952,835 6,272,193 79.0 4,908,137 29,908,476
36 Woodforest Financial Group Inc. The Woodlands, Texas none bank 323,527 411,704 78.6 221,290 2,987,421
37 Northern Trust Corp. Chicago none bank 3,254,670 4,278,527 76.1 2,670,607 82,053,626
38 Briscoe Ranch Inc. Uvalde, Texas none bank 46,650 61,501 75.9 NA 609,144
39 State Street Corp. Boston none bank 8,097,296 10,692,891 75.7 6,599,477 176,632,334
40 Lauritzen Corp. Omaha none bank 89,808 119,743 75.0 91,033 1,437,868
41 MetLife Inc. New York none bank 37,142,747 49,665,720 74.8 36,087,041 501,678,258
42 Independent Bankers Financial Corp. Irving, Texas none bank 99,448 134,752 73.8 83,247 2,093,219
43 Pedcor Capital LLC Carmel, Ind. none bank 14,591 19,947 73.1 25,492 394,806
United National Corp. Sioux Falls, S.D. none bank 604,902 827,029 73.1 616,278 1,540,915
45 Rainier Pacific Financial Group Inc. Tacoma none bank 9,365 13,047 71.8 8,492 847,259
46 Pacific Coast Bankers’ Bancshares San Francisco none bank 37,720 53,570 70.4 NA 690,285
47 Pierce County Bancorp Tacoma none bank 19,015 27,828 68.3 13,489 262,629
48 OceanPoint Financial Partners Newport, R.I. none bank 11,673 17,201 67.9 12,220 1,102,447
49 Tolleson Wealth Management Inc. Dallas none bank 13,283 20,474 64.9 12,260 322,374
50 Platinum Community Bank Rolling Meadows, Ill. Platinum Bancshares Inc. thrift 2,480 3,831 64.7 -3,725 86,519
Wilmington Trust Corp. Del. none bank 420,427 650,141 64.7 383,380 12,586,360
52 Forethought Federal Savings Bank Batesville, Ind. none thrift 1,856 2,874 64.6 1,890 124,429
53 Evolve Financial Group Inc. Cordova, Tenn. none bank 6,936 10,762 64.4 4,094 124,702
54 Strategic Capital Bancorp Inc. Champaign, Ill. none bank 2,088 3,264 64.0 NA 605,989
55 MetaBank Storm Lake, Iowa Meta Financial Group Inc. thrift 45,908 72,451 63.4 22,454 857,466
56 Cenlar FSB Trenton, N.J. Cenlar Capital Corp. thrift 33,347 52,724 63.2 41,169 558,489
57 Provident Bankshares Corp. Baltimore none bank 109,302 174,100 62.8 124,188 6,560,925
58 Two Rivers Bank and Trust Burlington, Iowa Two Rivers Financial Group Inc. thrift 14,607 23,293 62.7 12,916 283,178
59 Alerus Financial Corp. Grand Forks, N.D. none bank 40,175 65,183 61.6 33,231 759,735
Rurban Financial Corp. Defiance, Ohio none bank 28,061 45,588 61.6 26,859 657,619
61 First National Banker’s Bankshares Inc. Baton Rouge none bank 25,636 42,932 59.7 15,715 1,146,835
62 Essex Savings Bank Conn. none thrift 12,418 20,821 59.6 12,541 270,483
63 First Horizon National Corp. Memphis none bank 1,405,722 2,360,701 59.5 838,172 31,022,768
64 Access National Corp. Reston, Va. none bank 30,671 51,735 59.3 27,707 702,324
65 MidCountry Bank Marion, Ill. MidCountry Financial Corp. thrift 47,988 84,177 57.0 27,638 967,308
66 Ameri-National Corp. Overland Park, Kan. none bank 22,835 40,318 56.6 20,374 996,007
67 Cass Information Systems Inc. Bridgeton, Mo. none bank 52,618 93,930 56.0 47,863 885,228
68 First Community Corp. Lexington, S.C. none bank 4,454 8,040 55.4 4,999 651,332
69 First Investors Federal Savings Bank Edison, N.J. First Investors Consolidated Corp. thrift 2,890 5,241 55.1 3,564 50,145
70 Salin Bancshares Inc. Indianapolis none bank 10,088 18,462 54.6 10,701 779,551
71 Silverton Financial Services Inc. Atlanta none bank 75,970 141,814 53.6 56,914 3,173,591
72 U.S. Bancorp Minneapolis none bank 7,770,000 14,524,000 53.5 7,150,000 267,032,000
73 Guaranty Bank Milwaukee Guaranty Financial MHC thrift 116,707 218,833 53.3 71,863 1,629,217
74 First American Trust FSB Santa Ana, Calif. First American Corp. thrift 24,611 46,594 52.8 12,284 1,162,056
75 Fullerton Federal Savings Association Baltimore none thrift 165 313 52.7 64 9,404
76 Boston Private Financial Holdings Inc. none bank 226,537 431,509 52.5 214,099 7,339,476
77 Dickinson Financial Corp. II Kansas City, Mo. none bank 177,217 341,982 51.8 159,926 6,095,996
78 CCB Financial Corp. Kansas City, Mo. none bank 28,693 55,933 51.3 23,592 777,810
79 UMB Financial Corp. Kansas City, Mo. none bank 300,051 588,401 51.0 287,122 10,971,391
80 Western Alliance Bancorp. Las Vegas none bank 39,649 77,863 50.9 21,491 5,243,763
81 Farmers and Merchants Investment Inc. Lincoln, Neb. none bank 59,178 116,955 50.6 57,061 2,486,772
82 Southwest Georgia Financial Corp. Moultrie none bank 5,580 11,075 50.4 6,715 267,297
83 PNC Financial Services Group Inc. Pittsburgh none bank 3,560,575 7,177,595 49.6 3,795,714 291,092,876
84 Community Central Bank Corp. Mount Clemens, Mich. none bank 11,237 22,825 49.2 5,766 556,950
Ulster Savings Bank Kingston, N.Y. none thrift 15,027 30,525 49.2 14,992 695,894
86 Royal Bancshares of Pennsylvania Inc. Narberth none bank 9,441 19,395 48.7 7,530 1,188,182
87 Midwest Heritage Bank FSB West Des Moines Hy-Vee Inc. thrift 4,798 9,897 48.5 3,723 140,844
88 Amalgamated Investments Co. Chicago none bank 21,448 44,298 48.4 25,886 737,773
Plains Capital Corp. Dallas Maedgen & White Ltd. bank 119,301 246,497 48.4 85,363 3,958,496
90 Home Savings of America Little Falls, Minn. Home Savings Bancorp thrift 8,620 17,830 48.3 124 427,899
91 Capital One Financial Corp. McLean, Va. none bank 6,685,135 13,877,993 48.2 7,677,927 165,913,451
92 City Holding Co. Charleston, W.Va. none bank 59,109 122,973 48.1 55,723 2,582,406
93 Tennessee Central Bancshares Inc. Parsons none bank 20,072 42,206 47.6 NA 715,791
94 Arvest Bank Group Inc. Bentonville, Ark. none bank 299,608 640,381 46.8 272,560 10,226,011
95 Square 1 Financial Inc. Durham, N.C. none bank 6,187 13,342 46.4 NA 1,273,265
96 Eureka Bank Pittsburgh Eureka Bancorp MHC thrift 2,770 6,015 46.1 76 104,616
97 Webster Five Cents Savings Bank Mass. WebFive MHC thrift 5,618 12,291 45.7 4,960 543,947
98 Central Community Corp. Temple, Texas none bank 30,075 66,061 45.5 31,715 1,023,331
99 USAA Federal Savings Bank San Antonio United Services Automobile Association thrift 908,733 2,001,995 45.4 1,014,267 32,584,979
Domestic Bank Cranston, R.I. Sargent Investors Inc. thrift 7,603 16,753 45.4 8,484 248,524
Pilgrim Bank Cohasset, Mass. none thrift 327 721 45.4 279 155,421
102 Apple Financial Holdings Inc. New York none bank 30,989 68,355 45.3 50,480 6,866,518
103 First Bancshares Inc. Merrillville, Ind. none bank 30,075 66,657 45.1 28,738 1,968,570
104 Carbon County Holding Co. Rawlins, Wyo. none bank 5,158 11,512 44.8 4,433 163,379
105 SNBNY Holdings Ltd. Gibraltar none bank 51,179 114,367 44.7 61,402 4,407,249
Southbridge Savings Bank Mass. Green Valley Bancorp MHC thrift 4,390 9,811 44.7 4,257 448,678
Capitol Bancorp. Inc. Britton, S.D. none bank 58,860 131,784 44.7 58,166 632,252
108 First Security Bancorp Searcy, Ark. none bank 65,818 147,610 44.6 53,391 2,743,351
109 Priority Bank Ozark, Ark. Priority One Holding Co. thrift 1,623 3,658 44.4 1,332 52,556
110 West Town Savings Bank Cicero, Ill. West Town Bancorp Inc. thrift 247 557 44.3 300 57,651
111 National Penn Bancshares Inc. Boyertown, Pa. none bank 121,582 275,496 44.1 71,134 9,395,588
112 SCB Bank Shelbyville, Ind. Blue River Bancshares Inc. thrift 5,600 12,797 43.8 590 252,152
113 1st Source Corp. South Bend, Ind. none bank 94,761 216,701 43.7 74,456 4,464,320
KeyCorp Cleveland none bank 1,866,027 4,269,747 43.7 2,248,714 105,231,004
115 MountainOne Financial Partners North Adams, Mass. none bank 10,466 24,052 43.5 10,504 882,726
116 Johnson Financial Group Inc. Racine, Wis. none bank 102,958 237,263 43.4 95,341 5,731,675
117 Northeast Bancorp Lewiston, Maine none bank 11,539 26,795 43.1 8,938 618,683
118 EverBank Jacksonville, Fla. EverBank Financial Corp. thrift 129,944 302,834 42.9 124,666 7,047,356
TCF Financial Corp. Wayzata, Minn. none bank 467,610 1,089,964 42.9 516,504 16,782,760
120 Fifth Third Bancorp Cincinnati none bank 2,758,573 6,459,348 42.7 2,297,050 119,763,812
121 Beal Bank Plano, Texas Beal Financial Corp. thrift 97,249 228,559 42.5 NA 2,450,794
122 Pioneer Bank Troy, N.Y. none thrift 6,893 16,263 42.4 7,276 703,587
123 First Savings Bank Beresford, S.D. Beresford Bancorp. Inc. thrift 23,290 55,583 41.9 21,651 451,988
Oneida Savings Bank N.Y. Oneida Financial MHC thrift 10,583 25,275 41.9 17,816 540,150
125 Farm Bureau Bank FSB Sparks, Nev. FB BanCorp thrift 14,905 35,622 41.8 14,595 592,331
126 Washington Trust Bancorp Inc. Westerly, R.I. none bank 44,142 105,943 41.7 45,023 2,965,859
127 Ambank Holdings Inc. Davenport, Iowa none bank 11,139 26,943 41.3 7,368 683,502
BB&T Corp. Winston-Salem, N.C. none bank 3,058,826 7,403,517 41.3 2,776,758 152,015,025
Southern National Banks Inc. Fort Walton Beach, Fla. none bank 10,683 25,872 41.3 11,680 339,711
130 Bank of Hawaii Corp. Honolulu none bank 297,406 723,673 41.1 244,554 10,763,475
131 Extraco Corp. Waco, Texas none bank 26,589 64,781 41.0 24,859 1,084,551
132 Grand Bank for Savings FSB Hattiesburg, Miss. Grand Financial Corp. thrift 3,450 8,441 40.9 3,818 133,025
Regions Financial Corp. Birmingham, Ala. none bank 2,724,092 6,667,292 40.9 2,762,410 146,253,935
134 Illinois National Bancorp Inc. Springfield none bank 12,142 29,767 40.8 NA 620,211
135 Strata Bank Medway, Mass. Service Bancorp MHC thrift 1,790 4,418 40.5 1,804 385,809
136 BankAtlantic Fort Lauderdale, Fla. BFC Financial Corp. thrift 132,515 328,150 40.4 124,610 5,713,757
137 Teche Federal Bank Franklin, La. Teche Holding Co. thrift 15,889 39,668 40.1 14,634 765,314
138 Webster Financial Corp. Waterbury, Conn. none bank 191,856 480,570 39.9 192,222 17,600,122
139 JPMorgan Chase & Co. New York none bank 26,752,000 67,252,000 39.8 45,060,000 2,175,052,000
140 Iberiabank Corp. Lafayette, La. none bank 90,660 229,229 39.5 75,837 5,583,226
VIST Financial Corp. Wyomissing, Pa. none bank 18,384 46,495 39.5 19,871 1,225,239
BancorpSouth Inc. Tupelo, Miss. none bank 286,762 726,779 39.5 227,175 13,499,414
143 Bank of America Corp. Charlotte none bank 28,424,503 72,788,285 39.1 28,974,240 1,822,068,028
144 C&F Financial Corp. West Point, Va. none bank 26,490 67,883 39.0 25,857 851,910
145 Huntington Bancshares Inc. Columbus, Ohio none bank 866,015 2,223,630 38.9 683,227 54,355,998
Collinsville Savings Society Conn. Collinsville Savings Mutual Holding Co. thrift 501 1,287 38.9 401 156,265
Community Development Bank FSB Ogema, Minn. Midwest Minnesota Community Development Corp. thrift 658 1,692 38.9 212 32,962
Commerce Bancshares Inc. Kansas City, Mo. none bank 393,328 1,012,146 38.9 389,526 17,545,887
Old National Bancorp Evansville, Ind. none bank 159,407 410,294 38.9 158,161 7,874,853
150 Wells Fargo & Co. San Francisco none bank 16,199,000 41,897,000 38.7 17,650,000 1,309,639,000

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. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of April 17, 2009.

Source:
SNL Financial
, Charlottesville, Va.
© 2009 American Banker
Banks, thrifts and holding companies