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Banks, thrifts and holding companies

Bank and Thrifts with Highest Nonperformer Ratios

November 14, 2008, 10:08 a.m. EST 1 Min Read
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Bank and Thrifts with Highest Nonperformer Ratios

Bank and Thrifts with Highest Nonperformer RatiosOn June 30, 2008. Dollars in thousands
Published November 14, 2008
Rank   Holding company Institution type Ratio* Year earlier Nonperformers Net chargeoffs** Assets
1 Bank of Rison Ark. none commercial bank 52.32% 0.47% $8,223 0.00% $29,137
2 Eastern Savings Bank FSB Hunt Valley, Md. none thrift 42.48 26.49 408,665 0.61 1,115,502
3 BankFirst Sioux Falls, S.D. Marshall Bankfirst Corp. commercial bank 36.37 18.38 108,674 11.02 346,298
4 Security Bank of Gwinnett County Suwanee, Ga. Security Bank Corp. commercial bank 30.35 0.97 80,643 3.5 369,163
5 Westsound Bank Bremerton, Wash. WSB Financial Group Inc. commercial bank 29.89 0.05 101,412 1.87 428,546
6 First Georgia Community Bank Jackson First Georgia Community Corp. commercial bank 27.5 1.67 49,069 7.94 263,552
7 Security Savings Bank Henderson, Nev. Stampede Capital LLC commercial bank 26.11 1.79 40,053 5.25 254,545
8 Home National Bank Racine, Ohio none commercial bank 24.69 1.54 9,741 0.1 55,887
9 MagnetBank Salt Lake City none commercial bank 23.64 0.67 71,445 9.85 344,782
10 Community Bank Loganville, Ga. Triangle Financial Group Inc. commercial bank 22.19 1.43 115,062 0.19 628,056
11 First Security National Bank Norcross, Ga. First Security Corp. commercial bank 22.01 1.05 22,533 1.51 147,037
12 Warren Bank Mich. Warren Bancorp Inc. commercial bank 21.74 7.42 96,631 3.58 621,847
  Riverside Bank of the Gulf Coast Cape Coral, Fla. Riverside Gulf Coast Banking Co. commercial bank 21.74 1.09 88,396 7.03 620,537
14 PFF Bank and Trust Rancho Cucamonga, Calif. PFF Bancorp Inc. thrift 20.11 2.28 719,834 3.06 4,103,238
15 Central Progressive Bank Lacombe, La. Blossman Bancshares Inc. commercial bank 20.05 3.41 80,120 1.51 480,926
16 H&R Block Bank Kansas City, Mo. H&R Block Inc. thrift 19 2.5 180,276 3.84 1,067,052
17 Citizens Community Bank Ridgewood, N.J. none commercial bank 18.91 2.68 6,336 0 46,405
18 Downey Savings and Loan Association Newport Beach, Calif. Downey Financial Corp. thrift 18.79 1.82 2,119,359 2.06 12,630,056
19 Corus Bank Chicago Corus Bankshares Inc. commercial bank 18.7 5.8 862,926 0 8,984,088
20 Community National Bank North Branch, Minn. Community Investment Services Inc. commercial bank 17.44 7.91 10,276 4.13 82,107
21 Platinum Community Bank Rolling Meadows, Ill. Platinum Bancshares Inc. thrift 17.36 2.86 10,630 1.34 80,221
22 Integrity Bank Jupiter, Fla. none commercial bank 17.33 0.56 17,042 1.35 139,186
23 Sun Security Bank Ellington, Mo. Sun Financial Corp. commercial bank 16.86 0.33 41,987 0.34 393,964
24 Macomb Community Bank Clinton Township, Mich. Capitol Bancorp Ltd. commercial bank 16.77 9.42 14,891 0.13 94,125
25 American Trust and Savings Bank Lowden, Iowa Lowden Bancshares Inc. commercial bank 16.49 6.91 2,791 21.66 31,599
26 Commercial State Bank of Waterloo Ill. Waterloo Bancshares Inc. commercial bank 16.48 0.8 14,728 3.44 139,699
27 Ocean Bank Miami Ocean Bankshares Inc. commercial bank 16.18 6.83 596,174 5.85 4,848,194
28 Commercial Bank Bassett, Neb. Bassett Investment Co. commercial bank 16.15 3.87 3,943 1.81 37,940
29 Butler Bank Lowell, Mass. Butler Bancorp MHC savings bank 15.94 5.46 35,583 1.55 244,077
30 Gordon Bank Ga. none commercial bank 15.71 2.51 4,102 0.64 40,043
31 1st Centennial Bank Redlands, Calif. 1st Centennial Bancorp commercial bank 15.7 0.62 85,469 1.93 762,106
32 Ocala National Bank Fla. ONB Financial Services Inc. commercial bank 15.64 0.69 33,531 5.99 258,250
33 First National Bank & Trust Co. in Larned Kan. Pawnee Bancshares Inc. commercial bank 15.59 9.94 5,110 0.05 54,809
34 Florida Community Bank Immokalee Florida Community Banks Inc. commercial bank 15.24 5.61 102,602 6.4 989,526
35 Freedom Bank Bradenton, Fla. none commercial bank 15.13 1.66 35,090 3.12 284,145
36 Southern Community Bank Fayetteville, Ga. Southern Community Bancshares Inc. commercial bank 15.02 4.14 38,568 1.78 378,117
37 Golden First Bank Great Neck, N.Y. none thrift 14.77 12.14 1,881 0 25,054
38 First Bank and Trust Co. of Illinois Palatine Hershenhorn Bancorp. Inc. commercial bank 14.35 3.66 38,610 -0.41 416,205
39 Heritage Community Bank Glenwood, Ill. Heritage Community Bancorp. Inc. commercial bank 14.1 2.81 29,848 4.09 263,037
40 Federal Trust Bank Sanford, Fla. Federal Trust Corp. thrift 13.54 5.62 68,983 0.02 636,802
  BankCherokee St. Paul Cherokee Bancshares Inc. commercial bank 13.54 7.08 23,664 3.22 278,030
42 Suburban Federal Savings Bank Crofton, Md. none thrift 13.23 3.37 44,764 0.04 381,447
43 First National Bank of Griffin Ga. none commercial bank 13.15 1.27 27,951 1.15 324,770
44 State Bank of Lebo Kan. none commercial bank 13.11 0.47 2,429 2.96 25,457
45 Doral Bank San Juan, Puerto Rico Doral GP Ltd. commercial bank 13.09 6.42 623,843 0.81 8,821,964
46 Bank of Atlanta Eggemeyer Capital LLC thrift 13.08 0.56 22,364 0 223,979
47 First Private Bank and Trust Encino, Calif. Boston Private Financial Holdings Inc. commercial bank 12.82 1.97 69,356 15.02 638,803
48 Community Capital Bank Jonesboro, Ga. CCB Financial Corp. commercial bank 12.77 0 15,541 0.3 194,420
49 Newton County Loan and Savings FSB Goodland, Ind. none thrift 12.74 0 717 0 7,284
50 FirstBank Financial Services McDonough, Ga. FirstBank Financial Services Inc. commercial bank 12.34 1.85 30,448 4.77 394,540
51 VisionBank St. Louis Park, Minn. Vision Bancshares Inc. commercial bank 12.31 6.02 3,263 1.05 27,195
52 Ebank Atlanta ebank Financial Services Inc. thrift 12.29 7.98 12,887 0.56 137,801
53 Franklin Bank SSB Houston Franklin Bank Corp. savings bank 12.26 0.38 464,235 5.06 5,572,332
54 First Federal Bank of California FSB Los Angeles FirstFed Financial Corp. thrift 12.25 0.75 800,412 4.96 7,179,442
55 Great Eastern Bank of Florida Miami none commercial bank 12.23 3.14 8,790 2.16 87,394
56 Omni National Bank Atlanta Omni Financial Services Inc. commercial bank 12.18 1.6 81,378 1.52 1,029,911
57 Security Pacific Bank Los Angeles Security Pacific Bancorp commercial bank 12.16 0.58 60,426 9.97 587,669
  Peoples Bank Lithonia, Ga. Persons Banking Co. Inc. commercial bank 12.16 0.41 20,856 3.93 225,273
59 Oakland Commerce Bank Farmington Hills, Mich. Capitol Bancorp Ltd. commercial bank 12.06 1.88 10,420 1.01 108,546
60 City State Bank of Palacios Tex. City State Bancshares Inc. commercial bank 11.99 2.32 3,275 3.03 43,705
61 AmTrust Bank Cleveland AmTrust Financial Corp. thrift 11.98 2.9 1,660,135 1.02 15,898,116
  Town Center Bank Coppell, Tex. Town Center Holdings Inc. commercial bank 11.98 3.15 5,603 -0.2 59,379
63 First Pryority Bank Pryor, Okla. First Pryor Bancorp Inc. commercial bank 11.96 1.41 9,660 3.8 126,293
64 Chestatee State Bank Dawsonville, Ga. Chestatee Bancshares Inc. commercial bank 11.91 0.53 28,403 1.01 285,846
  Michigan Heritage Bank Farmington Hills Michigan Heritage Bancorp Inc. commercial bank 11.91 2.38 16,830 2.49 182,322
66 Liberty Bank Salt Lake City none commercial bank 11.79 0 1,836 0 19,731
67 Neighborhood Community Bank Newnan, Ga. Newnan Coweta Bancshares Inc. commercial bank 11.69 0.12 21,314 1.31 240,062
68 Jennings State Bank Spring Grove, Minn. Spring Grove Investments Inc. commercial bank 11.68 3.61 4,300 0.15 47,875
69 Texas National Bank Mercedes MNB Ventures Inc. commercial bank 11.48 1.29 6,596 5.4 73,854
70 Premier Bank Denver PB Financial Group Inc. commercial bank 11.32 10.55 5,954 1.32 88,767
71 First Cherokee State Bank Woodstock, Ga. First Cherokee Bancshares Inc. commercial bank 11.04 0.09 26,933 0.82 322,531
  Anadarko Bank and Trust Co. Okla. Falcon Bancorp Inc. commercial bank 11.04 4.54 3,640 0.42 65,658
73 Utah Community Bank Sandy Utah Community Bancorp commercial bank 10.99 0 5,568 1.71 68,038
  International City Bank Long Beach, Calif. Pedcor Capital LLC commercial bank 10.99 2.26 13,328 0.05 208,344
75 Community National Bank of Sarasota County Venice, Fla. Community National Bank Corp. commercial bank 10.94 1.4 9,807 2.73 103,255
76 Royal Bank America Narberth, Pa. Royal Bancshares of Pennsylvania Inc. commercial bank 10.78 4.99 67,793 0.14 1,063,648
77 Lisle Savings Bank Ill. none savings bank 10.74 2.95 48,114 0.51 500,490
78 First National Bank of Brookfield Ill. 1st Brookfield Inc. commercial bank 10.71 1.53 25,634 0.22 283,307
79 Vineyard Bank Corona, Calif. Vineyard National Bancorp commercial bank 10.55 0.6 206,583 7.14 2,335,579
80 Alliant Bank Sedgwick, Kan. none commercial bank 10.51 4.94 899 0.34 16,653
81 Arkansas Valley State Bank Broken Arrow, Okla. Arkansas Valley Bancshares Inc. commercial bank 10.47 1.01 17,951 0.47 282,690
82 Harbourside Community Bank Hilton Head Island, S.C. Savannah Bancorp Inc. thrift 10.27 0.84 8,350 3 95,690
83 South County Bank Irvine, Calif. CalWest Bancorp commercial bank 10.25 0.78 13,104 6.62 219,991
84 Alliance Bank Culver City, Calif. Alliance Bancshares California commercial bank 10.11 2.74 93,064 10.49 1,118,553
85 Amboy Bank Old Bridge, N.J. Amboy Bancorp. commercial bank 10.05 8.26 198,478 2.79 2,641,768
86 State Bank of Delano Minn. Delano State Agency Inc. commercial bank 10.04 1.19 7,886 0.81 102,613
  First National Bank of Georgia Carrollton WGNB Corp. commercial bank 10.04 0.13 65,425 2.54 906,196
  Bank of Paxton Neb. Pony Express Bancorp Inc. commercial bank 10.04 3.25 845 -2.51 16,316
89 Century Bank Sarasota, Fla. Century Financial Group Inc. thrift 10.03 2.26 81,376 0.23 920,968
90 Palm Desert National Bank Calif. Palm Desert Investments commercial bank 9.92 0.14 26,391 2.74 369,471
91 Seacoast Commerce Bank Chula Vista, Calif. none commercial bank 9.84 3.46 6,379 5.58 75,918
92 Bank of Bonifay Fla. Bonifay Holding Co. Inc. commercial bank 9.8 0.28 16,865 5.2 241,564
93 Coastal Bank Cocoa Beach, Fla. Coastal Bancorp. Inc. thrift 9.69 1.13 12,651 0.8 153,012
94 Lapeer County Bank and Trust Co. Mich. County Bank Corp commercial bank 9.58 2.11 17,476 6.01 259,039
95 Marco Community Bank Marco Island, Fla. Marco Community Bancorp Inc. commercial bank 9.53 11.54 10,828 2.14 141,905
  1st American State Bank of Minnesota Hancock West Central Banque Shares Inc. commercial bank 9.53 0.98 2,170 6.08 29,145
  Lake Community Bank Long Lake, Minn. Tysan Corp. commercial bank 9.53 6.75 11,441 0.93 169,222
98 First DuPage Bank Westmont, Ill. First Dupage Bancorp Inc. commercial bank 9.48 0.81 25,438 0.18 313,147
99 First National Bank of Florida Milton none commercial bank 9.47 1.54 32,100 0.04 436,376
100 Habersham Bank Clarkesville, Ga. Habersham Bancorp commercial bank 9.44 1.87 32,100 0.55 501,644
101 Ideal Federal Savings Bank Baltimore none thrift 9.41 1.06 536 0 7,479
102 Mutual Bank Harvey, Ill. First Mutual Bancorp of Illinois Inc. commercial bank 9.36 3.96 136,674 1.2 1,698,196
103 New South Federal Savings Bank Birmingham, Ala. New South Bancshares Inc. thrift 9.35 3.1 154,764 1.27 1,962,426
104 Service 1st Bank Stockton, Calif. Service 1st Bancorp commercial bank 9.31 0.3 11,920 0.6 234,974
105 McIntosh State Bank Jackson, Ga. McIntosh Bancshares Inc. commercial bank 9.26 0.13 31,819 0.38 451,525
106 Freedom Bank of Georgia Commerce Freedom Bancshares Inc. commercial bank 9.25 0.67 10,551 3.13 151,036
107 Security Bank North Lauderdale, Fla. CP Capital Bancorp Inc. commercial bank 9.24 1.78 12,028 0 165,442
108 Peoples First Community Bank Panama City, Fla. Peoples First Properties Inc. thrift 9.21 1.04 149,605 0.22 1,840,395
109 Premier Bank Maplewood, Minn. none commercial bank 9.19 5.1 43,698 1.51 560,144
110 InBank Oak Forest, Ill. I.S.B. Financial Corp. commercial bank 9.1 2.91 14,877 0 207,161
111 First State Bank Stockbridge, Ga. Henry County Bancshares Inc. commercial bank 9.01 0.02 50,045 0.02 680,253
112 Bayside Savings Bank Port St. Joe, Fla. Bayside Financial Corp. thrift 8.93 0 5,574 0 87,305
113 FirstCity Bank Stockbridge, Ga. FirstCity Bancorp Inc. commercial bank 8.85 1.02 17,007 3.29 255,419
  Mainstreet Bank Forest Lake, Minn. BancMidwest Corp. commercial bank 8.85 3.89 28,877 2.57 435,163
115 Horizon Bank Pine City, Minn. Pine City Bancorp. Inc. commercial bank 8.84 2 6,650 0.32 96,630
116 Citizens State Bank Hudson, Wis. Citizens Bancshares of Woodville Inc. commercial bank 8.82 6.55 14,492 0.71 198,450
117 American Metro Bank Chicago American Metro Bancorp Inc. commercial bank 8.77 4.46 6,039 0.08 82,405
  Herrin Security Bank Ill. Security Bancorp Inc. commercial bank 8.77 1.91 5,519 3.07 121,433
119 First Heritage Bank Snohomish, Wash. none commercial bank 8.71 0 12,829 0.03 174,931
120 Legacy National Bank Springdale, Ark. none commercial bank 8.7 3.29 17,566 0 254,347
121 Town and Country Bank Leawood, Kan. Leawood Bancshares Inc. commercial bank 8.66 5.35 7,487 0.7 102,471
122 SouthBank Huntsville, Ala. Commonwealth Savingshares Corp. thrift 8.58 1.21 13,318 0.16 291,509
123 Vision Bank Panama City, Fla. Park National Corp. commercial bank 8.57 2.01 58,280 6.41 938,433
124 Citizens State Bank New Baltimore, Mich. Citizens State Bancorp Inc. commercial bank 8.54 1.54 13,027 0.95 194,563
125 All American Bank Des Plaines, Ill. none commercial bank 8.49 4.49 1,567 0 24,236
  American Southern Bank Roswell, Ga. American Southern BanCorp Inc. commercial bank 8.49 3.79 5,017 5.71 78,317
127 Farmers State Bank Fairmont, Neb. Fairmont Farmers State Co. commercial bank 8.46 0 389 0 7,290
128 Gulf State Community Bank Carrabelle, Fla. Gulf State Bancorp commercial bank 8.44 4 8,137 3.14 124,987
129 First State Bank of Kiester Minn. Kiester Investments Inc. commercial bank 8.43 3.68 1,124 4.64 18,410
130 Oconee State Bank Watkinsville, Ga. Oconee Financial Corp. commercial bank 8.4 1.21 16,286 0.09 311,855
131 American Founders Bank Inc. Frankfort, Ky. American Founders Bancorp Inc. commercial bank 8.38 3.64 29,083 2.53 508,897
132 First National Bank of Okawville Ill. none commercial bank 8.35 0.32 1,909 0 41,489
133 First East Side Savings Bank Tamarac, Fla. Raddatz Family Ltd. Partnership thrift 8.32 3.23 3,984 1.72 84,196
134 First National Bank in Howell Mich. FNBH Bancorp Inc. commercial bank 8.29 5.4 28,086 3.05 424,945
135 Purdum State Bank Neb. none commercial bank 8.28 4.23 1,228 0.52 17,714
136 United Security Bank Sparta, Ga. United Security Bancshares Inc. commercial bank 8.24 0.85 10,295 0 148,177
  First Commerce Community Bank Douglasville, Ga. First Commerce Community Bankshares Inc. commercial bank 8.24 0.05 19,371 1.18 281,811
138 K Bank Owings Mills, Md. K Capital Corp. commercial bank 8.21 4.33 47,253 1.22 657,086
139 BankUnited FSB Coral Gables, Fla. BankUnited Financial Corp. thrift 8.15 0.98 1,000,594 0.73 14,200,460
  Premier Bank Rochester, Minn. none commercial bank 8.15 4.7 10,093 0.9 143,743
141 Bank of the Bluegrass and Trust Co. Lexington, Ky. Bluegrass Bancshares Inc. commercial bank 8.14 0.38 17,162 0.1 266,233
142 Family Bank and Trust Co. Palos Hills, Ill. Community Holdings Corp. commercial bank 8.11 1.65 4,628 7.44 80,972
143 Mesa Bank Ariz. Capitol Bancorp Ltd. commercial bank 8.08 0.17 13,731 0 227,105
144 Community Bank of Lemont Ill. FBOP Corp. commercial bank 8.04 0.37 6,873 1.36 101,390
145 First State Bank of East Detroit Eastpointe, Mich. First State Financial Corp. commercial bank 8 4.5 31,349 3.77 730,754
146 Key West Bank Fla. Key West Bancgroup Inc. thrift 7.93 3.32 7,201 0 107,357
147 County Bank Merced, Calif. Capital Corp of the West commercial bank 7.88 1.09 114,032 2.79 2,061,630
148 McIntosh Commercial Bank Carrollton, Ga. MCB Financial Group Inc. commercial bank 7.85 0.51 24,206 0.87 384,098
149 Coast National Bank San Luis Obispo, Calif. Coast Bancorp commercial bank 7.84 0.98 11,696 0.35 203,251
150 Pueblo Bank and Trust Co. Colo. Pueblo Bancorp. commercial bank 7.79 5.78 21,362 11.48 365,390

Notes: Data from preliminary quarterly call reports and thrift financial reports from the FDIC and OTS. Excludes institutions whose loans were less than 50% of assets. *Nonperforming loans and leases as percentage of gross loans and leases. **April through June chargeoffs, minus recoveries credited to the loan allowance, divided by average amount of loans and leases.
Source:

<font size="2">SNL Financial</font>
, Charlottesville, Va.

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