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Banks, thrifts and holding companies

Bank and Thrift Holding Companies with Highest Noninterest Income Ratios

September 18, 2008, 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 March 31, 2008. Dollars in thousands
Published September 18, 2008
Rank   Parent company Type of holding company Income Year earlier
Noninterest income 		Assets
Noninterest Total net Ratio
1 FDS Bank Mason, Ohio Macy’s Inc. thrift $155,254 $156,109 99.5% $139,024 $96,778
2 Northwestern Mutual Wealth Management Co. Milwaukee Northwestern Mutual Life Insurance Co. thrift 27,477 27,881 98.6 5,523 37,566
3 SEI Private Trust Co. Oaks, Pa. SEI Investments Co. thrift 39,503 40,132 98.4 37,630 81,761
4 Franklin Resources Inc. San Mateo, Calif. none bank 1,493,900 1,532,647 97.5 1,524,901 9,942,115
5 TIAA-CREF Trust Co. FSB St. Louis TIAA Board of Overseers thrift 6,226 6,398 97.3 5,638 17,784
6 Trust Co. of Virginia Richmond TCV Financial Corp. thrift 1,695 1,747 97.0 NA 4,930
7 Fidelity Personal Trust Co. FSB Boston FMR LLC thrift 5,380 5,555 96.8 3,797 19,682
8 Guardian Trust Co. FSB New York Guardian Life Insurance Co. of America thrift 1,651 1,705 96.8 1,537 8,715
9 National Advisors Trust Co. FSB Overland Park, Kan. National Advisors Holdings Inc. thrift 1,061 1,098 96.6 1,007 4,444
10 Stifel Financial Corp. St. Louis none bank 203,553 211,477 96.3 NA 1,613,215
11 MMA Trust Co. Goshen, Ind. Mennonite Mutual Aid Association thrift 717 746 96.1 629 4,327
12 Capital Bank and Trust Co. FSB Brea, Calif. Capital Group Cos. Inc. thrift 32,577 33,925 96.0 28,054 144,804
13 Davidson Trust Co. Great Falls, Mont. DADCO Inc., ESOP thrift 1,132 1,189 95.2 1,267 5,107
14 Country Trust Bank Bloomington, Ill. Illinois Agricultural Association thrift 5,096 5,387 94.6 4,615 29,232
15 Edward Jones Trust Co. St. Louis Jones Financial Cos., L.L.LP thrift 3,849 4,092 94.1 3,674 35,929
16 Independence Trust Co. Franklin, Tenn. Independence Holding Corp. thrift 360 385 93.5 524 3,043
17 Nordstrom FSB Scottsdale, Ariz. Nordstrom Inc. thrift 39,578 42,404 93.3 34,748 167,554
18 Provident Bankshares Corp. Baltimore none bank 27,441 30,123 91.1 29,208 6,405,237
Bessemer Group Inc. Woodbridge, N.J. none bank 71,831 78,884 91.1 66,744 1,744,188
20 MassMutual Trust Co. FSB Enfield, Conn. Massachusetts Mutual Life Insurance Co. thrift 1,305 1,441 90.6 1,101 15,764
21 Auto Club Trust FSB Dearborn, Mich. Auto Club Insurance Association Group thrift 608 672 90.5 678 6,247
22 Lauritzen Corp. Omaha none bank 57,487 64,625 89.0 27,445 1,361,937
23 Nationwide Bank Columbus, Ohio Nationwide Mutual Group thrift 66,503 75,363 88.2 60,094 1,410,354
24 Universal Savings Bank Milwaukee Universal Savings Banc Holdings Inc. thrift 165 198 83.3 816 5,113
25 First Community Bancshares Inc. Houston none bank 39,635 47,799 82.9 41,085 1,032,557
26 Independent Bankers Financial Corp. Irving, Tex. none bank 33,943 41,639 81.5 19,217 1,825,619
Bank of New York Mellon Corp. none bank 3,051,000 3,745,000 81.5 1,467,000 205,151,000
28 Midwest Banc Holdings Inc. Melrose Park, Ill. none bank 19,363 24,006 80.7 3,734 3,730,446
29 American Express Bank FSB Salt Lake City American Express Co. thrift 1,279,634 1,589,140 80.5 922,698 24,560,329
30 Marshall Bankfirst Corp. Minneapolis none bank 4,029 5,046 79.8 8,022 497,219
31 Woodforest Financial Group Inc. The Woodlands, Tex. none bank 77,027 98,925 77.9 48,689 2,628,858
32 Northern Trust Corp. Chicago none bank 874,849 1,133,369 77.2 613,371 77,480,291
33 State Street Corp. Boston none bank 1,961,428 2,576,757 76.1 1,372,243 154,478,813
34 Pacific Coast Bankers’ Bancshares San Francisco none bank 10,759 14,239 75.6 NA 495,154
35 Pedcor Capital LLC Carmel, Ind. none bank 4,492 5,977 75.2 3,208 361,284
36 SCB Bank Shelbyville, Ind. Blue River Bancshares Inc. thrift 5,177 6,915 74.9 134 216,489
37 Ambank Holdings Inc. Davenport, Iowa none bank 4,228 5,676 74.5 1,704 664,613
38 CU Bank Shares Inc. Dallas none bank 29,546 41,821 70.6 23,765 1,415,090
39 MetLife Inc. New York none bank 8,841,876 12,715,931 69.5 8,738,392 557,132,078
40 Tennessee Central Bancshares Inc. Parsons none bank 8,833 13,000 67.9 NA 570,225
41 Tolleson Wealth Management Inc. Dallas none bank 3,326 4,981 66.8 2,808 225,227
42 First National Banker’s Bankshares Inc. Baton Rouge, La. none bank 7,185 10,784 66.6 4,616 726,514
43 United National Corp. Sioux Falls, S.D. none bank 157,672 237,348 66.4 160,729 1,541,161
44 Two Rivers Bank and Trust Burlington, Iowa Two Rivers Financial Group Inc. thrift 4,054 6,165 65.8 2,417 286,940
45 Eastern Federal Bank Norwich, Conn. none thrift 2,904 4,439 65.4 283 213,733
46 Pierce County Bancorp Tacoma, Wash. none bank 3,794 5,902 64.3 3,584 267,770
47 Access National Corp. Reston, Va. none bank 8,441 13,223 63.8 7,979 627,201
MetaBank Storm Lake, Iowa Meta Financial Group Inc. thrift 11,871 18,607 63.8 4,028 811,778
49 Rurban Financial Corp. Defiance, Ohio none bank 7,186 11,333 63.4 6,739 571,733
Cenlar FSB Trenton, N.J. Cenlar Capital Corp. thrift 8,190 12,920 63.4 9,792 549,848
51 Alerus Financial Corp. Grand Forks, N.D. none bank 10,164 16,361 62.1 7,507 720,141
52 Midwest Heritage Bank FSB Chariton, Iowa Hy-Vee Inc. thrift 2,009 3,276 61.3 1,008 137,068
53 Essex Savings Bank Conn. none bank 3,196 5,228 61.1 2,833 261,933
54 EvergreenBancorp Inc. Seattle none bank 6,071 9,988 60.8 525 433,316
55 U.S. Bancorp Minneapolis none bank 2,293,000 3,845,000 59.6 1,696,000 241,781,000
56 Evolve Financial Group Inc. Cordova, Tenn. none bank 1,281 2,164 59.2 1,002 93,421
57 Morrill Bancshares Inc. Merriam, Kan. none bank 6,982 12,062 57.9 1,447 641,447
58 Boston Private Financial Holdings Inc. none bank 66,829 117,329 57.0 48,255 6,895,744
59 First Horizon National Corp. Memphis none bank 379,581 673,617 56.3 270,902 37,269,196
60 Ameri-National Corp. Overland Park, Kan. none bank 6,826 12,177 56.1 4,892 1,085,646
61 Seattle Savings Bank Seattle Financial Group Inc. bank 5,405 9,696 55.7 21,812 642,587
Cass Information Systems Inc. Bridgeton, Mo. none bank 12,400 22,262 55.7 11,788 857,518
63 JPMorgan Chase & Co. New York none bank 9,161,000 16,890,000 54.2 12,880,000 1,642,862,000
64 Wilmington Trust Corp. Del. none bank 102,101 189,641 53.8 90,839 11,846,590
65 Community Central Bank Corp. Mount Clemens, Mich. none bank 3,139 5,874 53.4 1,418 546,735
Merrill Lynch Bank and Trust Co. FSB New York Merrill Lynch & Co. Inc. thrift 136,377 255,570 53.4 -8,092 31,036,835
67 First Investors Federal Savings Bank Edison, N.J. First Investors Consolidated Corp thrift 821 1,542 53.2 993 57,988
68 Silverton Financial Services Inc. Atlanta none bank 19,894 37,751 52.7 14,125 2,730,869
69 First Georgia Community Corp. Jackson none bank 1,054 2,006 52.5 277 287,999
MidCountry Bank Marion, Ill. MidCountry Financial Corp. thrift 10,186 19,415 52.5 2,521 1,025,760
71 Farmers and Merchants Investment Inc. Lincoln, Neb. none bank 15,419 29,421 52.4 14,228 1,714,631
72 Security Savings Bank FSB Olathe, Kan. Brittany Savings Corp. thrift 5,374 10,337 52.0 624 726,174
Capital One Financial Corp. McLean, Va. none bank 2,000,187 3,848,097 52.0 1,697,756 150,608,527
74 Oneida Savings Bank N.Y. Oneida Financial MHC bank 4,007 7,720 51.9 4,245 542,777
75 CCB Financial Corp. Kansas City, Mo. none bank 7,459 14,510 51.4 5,291 683,435
76 Forethought Federal Savings Bank Batesville, Ind. none thrift 471 921 51.1 459 121,871
77 UMB Financial Corp. Kansas City, Mo. none bank 76,001 149,632 50.8 67,416 8,935,417
78 PNC Financial Services Group Inc. Pittsburgh none bank 921,330 1,816,557 50.7 1,086,323 140,026,464
79 SunTrust Banks Inc. Atlanta none bank 1,105,557 2,184,838 50.6 877,930 178,986,947
80 Farm Bureau Bank FSB Sparks, Nev. FB BanCorp thrift 4,637 9,278 50.0 3,616 571,942
81 Capitol Bancorp. Inc. Britton, S.D. none bank 18,140 36,471 49.7 12,389 609,671
82 Bankers’ Bancorp Inc. Springfield, Ill. none bank 3,152 6,360 49.6 2,205 590,799
83 American Sterling Bank Sugar Creek, Mo. American Sterling Corp. thrift 4,256 8,681 49.0 910 272,929
84 Northeast Bancorp Lewiston, Maine none bank 3,422 7,009 48.8 2,454 586,483
85 Doral GP Ltd. San Juan, Puerto Rico none bank 43,023 88,591 48.6 NA 10,375,097
86 Amalgamated Investments Co. Chicago none bank 5,227 10,783 48.5 5,227 766,162
87 Dickinson Financial Corp. II Kansas City, Mo. none bank 41,699 86,339 48.3 37,442 5,905,297
88 Bank of Hawaii Corp. Honolulu none bank 96,191 200,206 48.0 62,742 10,822,801
89 Financial Federal Savings Bank Memphis Financial Fedcorp Inc. thrift 1,518 3,185 47.7 1,357 325,113
90 Fifth Third Bancorp Cincinnati none bank 800,730 1,684,491 47.5 616,045 111,396,404
Safra National Bank New York SNB Holding bank 14,395 30,305 47.5 17,330 4,047,099
92 Urban Trust Bank Washington Worldwide Financial Investors Inc. thrift 573 1,212 47.3 47 80,378
93 Family Bank Pelham, Ga. none thrift 625 1,334 46.9 277 87,180
94 Central Community Corp. Temple, Tex. none bank 8,017 17,174 46.7 6,323 951,280
95 Mutual Savings Bank Hartsville, S.C. none thrift 393 844 46.6 76 48,607
96 Grand Bank for Savings FSB Hattiesburg, Miss. Grand Financial Corp. thrift 944 2,034 46.4 837 107,706
97 Platinum Community Bank Rolling Meadows, Ill. Platinum Bancshares Inc. thrift 315 682 46.2 -304 89,540
USAA Federal Savings Bank San Antonio United Services Automobile Association thrift 239,765 519,424 46.2 223,280 31,898,576
99 Plains Capital Corp. Dallas Maedgen and White Ltd. bank 27,181 59,125 46.0 22,617 3,340,155
First Savings Bank Beresford, S.D. Beresford Bancorp. Inc. thrift 7,110 15,466 46.0 5,030 463,412
101 MountainOne Financial Partners MHC North Adams, Mass. none bank 3,179 6,946 45.8 2,861 901,998
102 Arvest Bank Group Inc. Bentonville, Ark. none bank 71,425 156,890 45.5 60,831 9,976,007
103 Ulster Savings Bank Kingston, N.Y. none bank 4,346 9,573 45.4 4,140 643,625
104 Domestic Bank Cranston, R.I. Sargent Investors Inc. thrift 1,966 4,387 44.8 2,040 253,301
105 First Security Bancorp Searcy, Ark. none bank 15,151 33,869 44.7 9,342 2,350,453
106 First American Trust FSB Santa Ana, Calif. First American Corp. thrift 4,568 10,270 44.5 3,357 1,239,984
IberiaBank Corp. Lafayette, La. none bank 26,335 59,223 44.5 14,258 5,132,292
108 TCF Financial Corp. Wayzata, Minn. none bank 117,187 270,037 43.4 141,674 16,430,278
109 Johnson Financial Group Inc. Racine, Wis. none bank 28,328 65,600 43.2 24,746 5,144,940
110 Pacific Capital Bancorp Santa Barbara, Calif. none bank 122,797 286,499 42.9 101,638 7,399,381
111 Carbon County Holding Co. Rawlins, Wyo. none bank 1,246 2,908 42.8 1,012 157,656
112 Priority Bank Ozark, Ark. Priority One Holding Co. thrift 337 790 42.7 371 46,995
113 Southwest Georgia Financial Corp. Moultrie none bank 1,712 4,031 42.5 2,316 289,227
114 Washington Trust Bancorp Inc. Westerly, R.I. none bank 11,093 26,124 42.5 10,191 2,565,637
115 BOK Financial Corp. Tulsa none bank 111,445 263,193 42.3 89,106 21,196,896
KeyCorp Cleveland none bank 523,560 1,239,113 42.3 694,202 101,596,381
117 BankAtlantic Fort Lauderdale, Fla. BFC Financial Corp. thrift 35,210 83,496 42.2 34,177 6,212,631
118 City Holding Co. Charleston, W.Va. none bank 17,045 41,072 41.5 14,302 2,524,813
119 Wells Fargo & Co. San Francisco none bank 4,383,000 10,563,000 41.5 4,289,000 595,221,000
120 Southern National Banks Inc. Fort Walton Beach, Fla. none bank 2,865 6,936 41.3 2,690 372,651
121 FBOP Corp. Oak Park, Ill. none bank 81,255 197,250 41.2 45,906 16,388,722
122 Republic Bancorp Inc. Louisville none bank 30,680 74,935 40.9 12,134 3,124,031
123 BB&T Corp. Winston-Salem, N.C. none bank 723,240 1,783,695 40.5 662,708 136,417,064
124 Extraco Corp. Waco, Tex. none bank 6,320 15,625 40.4 6,002 1,088,863
Simmons First National Corp. Pine Bluff, Ark. none bank 15,464 38,256 40.4 11,703 2,861,758
Commerce Bancshares Corp. Worcester, Mass. none bank 4,449 11,008 40.4 4,126 1,067,608
127 Regions Financial Corp. Birmingham, Ala. none bank 746,636 1,857,697 40.2 667,089 144,251,469
Encore Bancshares Inc. Houston none bank 6,634 16,510 40.2 8,685 1,488,626
129 Capital City Bank Group Inc. Tallahassee none bank 17,700 44,224 40.0 13,932 2,679,851
130 R and G Financial Corp. Hato Rey, Puerto Rico none bank 20,777 52,123 39.9 9,563 7,735,788
131 Harris Financial Corp. Wilmington, Del. BMO Financial Group bank 199,473 501,285 39.8 200,394 69,172,194
132 Chevy Chase Bank, F.S.B. Bethesda, Md. B.F. Saul Co. thrift 79,952 201,276 39.7 11,043 15,130,114
Old National Bancorp Evansville, Ind. none bank 42,357 106,666 39.7 36,190 7,723,523
134 Teche Federal Bank Franklin, La. Teche Holding Co. thrift 4,049 10,242 39.5 3,490 753,575
135 Utrecht-America Holdings Inc. New York Rabobank Nederland bank 27,968 71,056 39.4 62,785 50,776,927
136 Texas Independent Bancshares Inc. Texas City none bank 3,866 9,832 39.3 3,504 637,997
Commerce Bancshares Inc. Kansas City, Mo. none bank 103,550 263,435 39.3 90,977 16,777,392
Barclays Group US Inc. Wilmington, Del. Barclays PLC bank 382,913 975,040 39.3 450,635 485,626,415
139 Wachovia Corp. Charlotte none bank 2,926,000 7,472,000 39.2 3,685,000 808,575,000
140 Home BancShares Inc. Conway, Ark. none bank 13,387 34,218 39.1 6,205 2,571,145
Popular Inc. Hato Rey, Puerto Rico none bank 260,000 665,000 39.1 170,000 41,822,000
Nexity Financial Corp. Birmingham, Ala. none bank 3,424 8,764 39.1 621 996,441
143 Trustmark Corp. Jackson, Miss. none bank 48,084 123,266 39.0 38,088 9,097,153
1st Source Corp. South Bend, Ind. none bank 20,815 53,417 39.0 17,439 4,462,320
145 Progressive Savings Bank FSB Jamestown, Tenn. none thrift 1,015 2,631 38.6 1,010 229,783
Community Bankshares Inc. Cornelia, Ga. none bank 7,390 19,165 38.6 5,765 1,359,080
147 American Bancor Ltd. Dickinson, N.D. none bank 3,219 8,356 38.5 2,235 557,935
Nextier Inc. Butler, Pa. none bank 2,729 7,092 38.5 2,839 505,512
First FSB of Champaign-Urbana Ill. Great American Bancorp Inc. thrift 884 2,298 38.5 946 147,065
150 OmniAmerican Bank Fort Worth none thrift 4,396 11,466 38.3 4,388 1,086,199
First Manitowoc Bancorp Inc. Wis. none bank 3,667 9,573 38.3 1,930 729,175
EverBank Jacksonville, Fla. EverBank Financial Corp. thrift 31,859 83,260 38.3 32,121 5,922,591


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