Bank and Thrifts with Highest Nonperformer Ratios

Published February 04, 2009, 10:08 a.m. EST

Updated January 02, 1970, 9:08 a.m. EST

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Bank and Thrifts with Highest Nonperformer Ratios

Bank and Thrifts with Highest Nonperformer RatiosOn Sept. 30, 2008. Dollars in thousands Published February 4, 2009
Rank		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Eastern Savings Bank FSB Hunt Valley, Md.	none	thrift	51.40%	31.29%	$467,219	0.88%	$1,078,011
2	BankFirst Sioux Falls, S.D.	Marshall BankFirst Corp.	commercial bank	38.90	18.64	98,249	27.43	319,968
3	Westsound Bank Bremerton, Wash.	WSB Financial Group Inc.	commercial bank	36.90	0.56	119,067	4.36	396,841
4	Newton County Loan and Savings FSB Goodland, Ind.	none	thrift	31.15	0.00	1,663	0.00	6,999
5	Riverside Bank of the Gulf Coast Cape Coral, Fla.	Riverside Gulf Coast Banking Co.	commercial bank	26.97	1.86	105,928	4.28	554,444
6	Security Bank of Gwinnett County Suwanee, Ga.	Security Bank Corp.	commercial bank	26.85	1.17	65,480	6.92	362,778
7	Sun Security Bank Ellington, Mo.	Sun Financial Corp.	commercial bank	24.60	0.45	60,885	2.61	371,044
8	Gordon Bank Ga.	none	commercial bank	24.07	2.22	6,226	0.36	35,606
9	MagnetBank Salt Lake City	none	commercial bank	23.81	3.63	60,176	11.28	300,674
10	FirstBank Financial Services McDonough, Ga.	FirstBank Financial Services Inc.	commercial bank	23.29	4.12	52,799	4.94	354,393
11	H&R Block Bank Kansas City, Mo.	H&R Block Inc.	thrift	23.09	0.16	205,240	4.26	1,061,192
12	Warren Bank Mich.	Warren Bancorp Inc.	commercial bank	22.33	10.00	94,194	5.80	628,074
13	Security Savings Bank Henderson, Nev.	Stampede Capital LLC	commercial bank	22.32	3.59	29,505	5.82	240,686
14	Ocean Bank Miami	Ocean Bankshares Inc.	commercial bank	22.23	8.36	796,570	1.71	4,439,070
15	Community Bank of Lemont Ill.	FBOP Corp.	commercial bank	21.17	0.47	17,789	1.93	95,845
16	Ocala National Bank Fla.	ONB Financial Services Inc.	commercial bank	20.89	5.18	42,006	5.55	235,871
17	Corus Bank Chicago	Corus Bankshares Inc.	commercial bank	20.57	5.56	892,885	11.30	8,427,126
18	Platinum Community Bank Rolling Meadows, Ill.	Platinum Bancshares Inc.	thrift	20.08	5.96	11,789	3.77	78,541
	State Bank of Lebo Kan.	none	commercial bank	20.08	0.39	3,339	0.93	23,707
20	Central Progressive Bank Lacombe, La.	Blossman Bancshares Inc.	commercial bank	19.39	4.00	73,205	1.07	471,422
21	First State Bank of Altus Okla.	FSB Bancorp Inc.	commercial bank	19.27	0.27	16,856	-0.63	113,133
22	First Private Bank and Trust Encino, Calif.	Boston Private Financial Holdings Inc.	commercial bank	19.17	1.80	72,448	125.59	585,407
23	Community National Bank Lino Lakes, Minn.	Community Investment Services Inc.	commercial bank	18.86	5.56	9,165	5.68	81,232
24	Oakland Commerce Bank Farmington Hills, Mich.	Capitol Bancorp Ltd.	commercial bank	18.56	2.58	15,691	1.31	96,224
25	1st Centennial Bank Redlands, Calif.	1st Centennial Bancorp	commercial bank	18.00	1.12	95,800	9.48	938,214
26	Silver Falls Bank Silverton, Ore.	none	commercial bank	17.93	0.86	22,943	7.42	147,002
27	Great Eastern Bank of Florida Miami	none	commercial bank	17.80	2.53	12,502	0.25	86,011
28	First National Bank of Griffin Ga.	none	commercial bank	17.48	1.70	36,535	3.89	316,401
29	Citizens Community Bank Ridgewood, N.J.	none	commercial bank	17.38	5.76	5,489	11.10	44,768
30	Southern Community Bank Fayetteville, Ga.	Southern Community Bancshares Inc.	commercial bank	16.90	5.09	41,980	0.60	415,374
31	First Security National Bank Norcross, Ga.	First Security Corp.	commercial bank	16.88	3.35	13,727	0.98	136,192
32	Florida Community Bank Immokalee	Florida Community Banks Inc.	commercial bank	16.73	9.83	109,735	4.03	961,940
33	Integrity Bank Jupiter, Fla.	none	commercial bank	16.47	0.52	15,985	1.81	142,337
34	Westernbank Puerto Rico Mayaguez	W Holding Co. Inc.	commercial bank	16.22	5.21	1,493,521	0.60	16,787,748
35	Alliant Bank Sedgwick, Kan.	none	commercial bank	16.19	11.40	1,317	4.70	15,984
36	Pueblo Bank and Trust Co. Colo.	Pueblo Bancorp.	commercial bank	16.15	7.21	42,457	7.50	356,583
37	Macomb Community Bank Clinton Township, Mich.	Capitol Bancorp Ltd.	commercial bank	15.79	11.36	13,815	8.65	94,085
	Security Bank of North Metro Woodstock, Ga.	Security Bank Corp.	commercial bank	15.79	4.05	26,996	2.48	243,470
39	Suburban Federal Savings Bank Crofton, Md.	none	thrift	15.67	5.45	48,498	0.05	354,418
40	Farmers Bank Lincoln, Neb.	Bancook Corp.	commercial bank	15.49	0.00	2,038	0.00	18,608
41	Bank of Paxton Neb.	Pony Express Bancorp Inc.	commercial bank	15.16	7.81	1,262	-0.34	14,871
42	First National Bank and Trust Co. in Larned Kan.	Pawnee Bancshares Inc.	commercial bank	15.12	6.47	4,607	6.10	52,000
43	Federal Trust Bank Sanford, Fla.	Federal Trust Corp.	thrift	15.06	7.01	73,158	0.17	601,967
44	First DuPage Bank Westmont, Ill.	First Dupage Bancorp Inc.	commercial bank	15.01	3.95	39,459	2.65	308,570
45	Pinnacle Bank of Oregon Beaverton	none	commercial bank	14.93	17.95	9,807	0.08	73,782
46	1st American State Bank of Minnesota Hancock	West Central Banque Shares Inc.	commercial bank	14.79	1.88	2,646	8.37	26,122
47	Premier American Bank Miami	none	commercial bank	14.38	1.27	48,206	1.00	386,655
48	First Federal Bank of California FSB Los Angeles	FirstFed Financial Corp.	thrift	14.21	1.25	946,322	5.95	7,353,843
49	America West Bank Layton, Utah	America West Bank Members LC	commercial bank	14.20	1.69	35,089	3.19	313,823
50	Texas National Bank Mercedes	MNB Ventures Inc.	commercial bank	14.07	7.99	7,460	0.90	66,917
51	Commercial Bank Bassett, Neb.	Bassett Investment Co.	commercial bank	13.85	21.59	2,942	5.02	34,565
52	Ebank Atlanta	ebank Financial Services Inc.	thrift	13.78	12.21	14,144	0.89	146,218
53	Mesa Bank Ariz.	Capitol Bancorp Ltd.	commercial bank	13.68	1.44	21,497	33.28	226,364
54	Chestatee State Bank Dawsonville, Ga.	Chestatee Bancshares Inc.	commercial bank	13.53	0.66	30,743	1.48	286,137
55	State Bank of Delano Minn.	Delano State Agency Inc.	commercial bank	13.44	5.84	10,800	4.48	102,896
56	American Southern Bank Roswell, Ga.	American Southern BanCorp Inc.	commercial bank	13.42	4.36	8,907	3.23	100,427
57	AmTrust Bank Cleveland	AmTrust Financial Corp.	thrift	13.33	4.12	1,622,365	2.45	16,538,134
58	Flagship National Bank Bradenton, Fla.	none	commercial bank	13.29	0.73	20,525	5.53	230,615
59	Doral Bank San Juan, Puerto Rico	Doral GP Ltd.	commercial bank	13.27	8.68	651,782	0.50	8,701,494
60	Bramble Savings Bank Milford, Ohio	none	savings bank	13.25	10.00	5,171	0.00	50,628
61	Vineyard Bank Corona, Calif.	Vineyard National Bancorp	commercial bank	13.12	0.54	237,693	2.03	2,088,977
62	First National Bank of Brookfield Ill.	1st Brookfield Inc.	commercial bank	13.05	0.87	30,184	0.13	268,688
63	IndyMac Federal Bank FSB Pasadena, Calif.	none	thrift	13.02	NA	2,307,195	NA	26,561,038
64	Community Bank of Arizona Phoenix	Community Bancorp	commercial bank	13.01	0.25	13,337	0.37	144,593
65	Omni National Bank Atlanta	Omni Financial Services Inc.	commercial bank	13.00	2.28	82,748	5.23	1,036,213
66	Butler Co-operative Bank Lowell, Mass.	Butler Bancorp MHC	savings bank	12.98	3.08	27,099	1.13	255,206
67	Heritage Community Bank Glenwood, Ill.	Heritage Community Bancorp. Inc.	commercial bank	12.89	4.39	24,828	23.06	227,612
68	Ideal Federal Savings Bank Baltimore	none	thrift	12.85	3.46	703	0.00	6,897
69	Beal Bank Nevada Las Vegas	Beal Financial Corp.	commercial bank	12.84	3.39	179,276	0.00	2,471,900
70	Mainstreet Bank Forest Lake, Minn.	BancMidwest Corp.	commercial bank	12.80	4.90	39,299	1.39	463,595
71	International City Bank Long Beach, Calif.	Pedcor Capital LLC	commercial bank	12.76	7.30	14,957	24.83	231,292
72	Community Bank of Nevada Las Vegas	Community Bancorp	commercial bank	12.54	0.58	172,202	0.47	1,639,147
	CornerstoneBank Atlanta	Cornerstone Bancshares	thrift	12.54	1.22	50,153	0.00	427,344
74	Community Capital Bank Jonesboro, Ga.	CCB Financial Corp.	commercial bank	12.52	0.46	15,101	0.39	187,359
75	Neighborhood Community Bank Newnan, Ga.	Newnan Coweta Bancshares Inc.	commercial bank	12.48	6.94	21,221	4.47	230,499
76	Bank of Lenox Ga.	Robinson Bancshares Inc.	commercial bank	12.43	0.18	2,958	-0.03	36,963
77	Michigan Heritage Bank Farmington Hills	Michigan Heritage Bancorp Inc.	commercial bank	12.36	2.42	17,515	5.29	181,611
	Peoples First Community Bank Panama City, Fla.	Peoples First Properties Inc.	thrift	12.36	1.61	197,211	0.73	1,840,711
79	Jennings State Bank Spring Grove, Minn.	Spring Grove Investments Inc.	commercial bank	12.29	4.57	4,415	7.60	50,519
80	Royal Bank America Narberth, Pa.	Royal Bancshares of Pennsylvania Inc.	commercial bank	12.26	4.86	78,019	1.16	1,076,959
81	Bayside Savings Bank Port St. Joe, Fla.	Bayside Financial Corp.	thrift	12.25	1.97	7,284	3.85	83,025
82	Barnes Banking Co. Kaysville, Utah	Barnes Bancorp.	commercial bank	12.19	1.11	90,001	4.98	841,137
83	Century Bank FSB Sarasota, Fla.	Century Financial Group Inc.	thrift	12.18	3.03	96,398	0.24	926,821
	Marco Community Bank Marco Island, Fla.	Marco Community Bancorp Inc.	commercial bank	12.18	11.33	12,945	1.96	130,106
85	Rosemount National Bank Minn.	Rosemount Financial Services Inc.	commercial bank	11.88	7.45	2,870	-0.27	45,544
86	FirstCity Bank Stockbridge, Ga.	FirstCity Bancorp Inc.	commercial bank	11.87	0.29	22,022	1.82	331,554
87	First National Bank of Georgia Carrollton	WGNB Corp.	commercial bank	11.82	1.62	76,287	1.74	889,303
88	First Pryority Bank Pryor, Okla.	First Pryor Bancorp Inc.	commercial bank	11.74	0.10	9,157	3.70	116,477
89	American Trust and Savings Bank Lowden, Iowa	Lowden Bancshares Inc.	commercial bank	11.68	6.36	1,902	-2.65	30,969
	RCSBank New London, Mo.	New London Bancshares Inc.	commercial bank	11.68	0.73	4,436	1.92	54,375
91	ISN Bank Cherry Hill, N.J.	none	commercial bank	11.60	4.82	12,181	-0.43	138,897
92	First National Bank of Florida Milton	none	commercial bank	11.59	2.76	38,495	2.53	431,564
93	First Bank and Trust Co. of Illinois Palatine	Hershenhorn Bancorp. Inc.	commercial bank	11.58	9.09	29,255	-0.26	390,222
94	InBank Oak Forest, Ill.	I.S.B. Financial Corp.	commercial bank	11.55	3.46	19,476	0.23	212,956
95	Nebraska Bankers Bank Lincoln	Midwest Independent Bancshares Inc.	commercial bank	11.54	1.80	3,143	0.00	43,785
96	Citizens Trust Bank Atlanta	Citizens Bancshares Corp.	commercial bank	11.46	1.76	24,696	0.26	335,107
97	First Guaranty Bank and Trust Co. of Jacksonville Fla.	none	commercial bank	11.44	1.85	45,371	1.16	485,042
98	Vision Bank Panama City, Fla.	Park National Corp.	commercial bank	11.40	4.18	78,002	5.24	876,736
99	Towne Bank of Arizona Mesa	Towne Bancorp Inc.	commercial bank	11.28	0.80	14,348	5.47	157,143
100	Liberty Bank Salt Lake City	none	commercial bank	11.26	0.00	1,676	4.18	18,776
101	Community Bank of West Georgia Villa Rica	Community Bancshares of West Georgia Inc.	commercial bank	11.23	0.93	17,955	0.80	203,557
102	Liberty Bank Naples, Fla.	Liberty Banshares Florida Inc.	thrift	11.20	0.48	16,755	7.24	162,101
	Lisle Savings Bank Ill.	none	savings bank	11.20	4.01	49,115	0.11	496,381
104	Bank of Soperton Ga.	Soperton Bancshares Inc.	commercial bank	11.18	0.16	3,162	6.34	49,213
	Community National Bank of Sarasota County Venice, Fla.	Community National Bank Corp.	commercial bank	11.18	1.78	9,750	2.88	103,598
106	Cortez Community Bank Brooksville, Fla.	none	commercial bank	11.11	2.31	6,977	0.07	77,882
107	First State Bank of East Detroit Eastpointe, Mich.	First State Financial Corp.	commercial bank	11.00	5.91	41,208	-7.92	695,539
108	Bank of the Bluegrass and Trust Co. Lexington, Ky.	Bluegrass Bancshares Inc.	commercial bank	10.99	0.85	21,497	1.44	242,157
109	BankUnited FSB Coral Gables, Fla.	BankUnited Financial Corp.	thrift	10.97	1.63	1,295,650	5.22	14,491,800
	West Valley National Bank Avondale, Ariz.	West Valley Bancorp Inc.	commercial bank	10.97	0.00	2,987	0.00	43,709
111	Nexity Bank Birmingham, Ala.	Nexity Financial Corp.	commercial bank	10.89	0.51	76,229	3.99	1,079,152
112	Peoples Bank Lithonia, Ga.	Persons Banking Co. Inc.	commercial bank	10.88	1.81	16,960	11.02	219,846
113	Alliance Bank Culver City, Calif.	Alliance Bancshares California	commercial bank	10.85	2.10	98,902	2.19	1,121,854
114	Freedom Bank of Georgia Commerce	Freedom Bancshares Inc.	commercial bank	10.84	0.28	12,061	1.79	147,246
115	Northwestern Bank Chippewa Falls, Wis.	NW Bancshares Inc.	commercial bank	10.81	9.02	24,301	0.08	347,637
116	Spencer County Bank Santa Claus, Ind.	none	commercial bank	10.80	1.01	5,008	-0.03	79,478
117	Brickwell Community Bank Woodbury, Minn.	none	commercial bank	10.78	0.08	8,237	1.82	81,562
118	Habersham Bank Clarkesville, Ga.	Habersham Bancorp	commercial bank	10.73	1.79	36,173	1.23	497,297
	SouthBank FSB Huntsville, Ala.	Commonwealth Savingshares Corp.	thrift	10.73	1.22	16,930	0.01	290,191
120	Community First Bank-Chicago	none	commercial bank	10.71	0.00	5,687	0.00	64,845
	Owen Community Bank Spencer, Ind.	Home Financial Bancorp	thrift	10.71	4.61	6,429	0.08	72,291
122	New South Federal Savings Bank Birmingham, Ala.	New South Bancshares Inc.	thrift	10.62	3.26	172,183	1.12	1,944,033
123	Peoples Community Bank West Chester, Ohio	Peoples Community Bancorp Inc.	thrift	10.58	2.70	56,989	18.07	720,910
124	Citizens State Bank New Baltimore, Mich.	Citizens State Bancorp Inc.	commercial bank	10.53	2.98	16,125	0.38	197,898
	Lighthouse Bank Santa Cruz, Calif.	none	commercial bank	10.53	NA	3,872	0.00	64,998
126	Horizon Bank Pine City, Minn.	Pine City Bancorp. Inc.	commercial bank	10.52	2.34	7,824	1.56	93,272
127	First State Bank Stockbridge, Ga.	Henry County Bancshares Inc.	commercial bank	10.44	3.04	57,236	0.37	682,454
	Hillcrest Bank Florida Naples	none	commercial bank	10.44	0.00	9,997	2.63	118,831
129	Farmers-Merchants Bank and Trust Co. Breaux Bridge, La.	none	commercial bank	10.40	1.49	15,940	0.69	227,571
	Prime Alliance Bank Woods Cross, Utah	none	commercial bank	10.40	4.55	11,622	0.88	135,183
131	BankCherokee St. Paul	Cherokee Bancshares Inc.	commercial bank	10.39	8.26	17,368	1.27	254,074
132	City State Bank of Palacios Tex.	City State Bancshares Inc.	commercial bank	10.38	1.99	2,764	0.36	44,545
	Maple Bank Champlin, Minn.	Maple Financial Holding Co.	commercial bank	10.38	2.47	4,004	2.87	43,589
134	Oxford Bank Mich.	Oxford Bank Corp.	commercial bank	10.31	7.25	29,571	4.89	376,224
135	Williamsburg First National Bank Kingstree, S.C.	WFNB Bankshares Inc.	commercial bank	10.28	4.77	10,015	1.10	138,796
136	Home Federal Bank of Hollywood Hallandale Beach, Fla.	Home Bancgroup Inc.	thrift	10.18	1.12	7,497	0.00	87,730
137	Palm Bank Tampa	Palm Bancorp Inc.	commercial bank	10.17	0.78	11,475	0.89	166,317
138	Lakeside Community Bank Sterling Heights, Mich.	Michigan Community Bancorp Ltd.	commercial bank	10.14	3.85	5,195	3.45	58,801
139	Security Bank North Lauderdale, Fla.	CP Capital Bancorp Inc.	commercial bank	10.06	2.41	13,136	1.32	160,014
140	First Resource Bank Savage, Minn.	Evans Bancshares Inc.	commercial bank	10.00	1.60	2,249	-0.02	26,277
141	Oconee State Bank Watkinsville, Ga.	Oconee Financial Corp.	commercial bank	9.90	2.43	19,655	0.07	308,789
142	County Bank Merced, Calif.	Capital Corp of the West	commercial bank	9.86	0.23	136,381	4.65	1,903,846
143	McIntosh State Bank Jackson, Ga.	McIntosh Bancshares Inc.	commercial bank	9.77	2.25	32,279	3.48	451,474
144	Commerce Bank of Southwest Florida Fort Myers	Florida Commerce Bancorp Inc.	commercial bank	9.70	0.00	6,480	9.23	70,428
145	Builders Bank Chicago	Builders Financial Corp.	commercial bank	9.69	0.86	42,715	1.60	514,576
146	Coastal Bank Cocoa Beach, Fla.	Coastal Bancorp. Inc.	thrift	9.64	2.50	12,301	1.83	160,352
147	Community Bank of Manatee Bradenton, Fla.	none	commercial bank	9.54	1.05	19,812	0.51	256,069
	Great Basin Bank of Nevada Elko	Great Basin Financial Corp.	commercial bank	9.54	1.24	14,752	0.05	270,919
	Harbor Bank of Maryland Baltimore	Harbor Bankshares Corp.	commercial bank	9.54	1.95	19,913	-0.04	279,986
150	Bank of Atlanta	Eggemeyer Capital LLC	thrift	9.47	1.18	15,283	22.67	263,405

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. **Chargeoffs, minus recoveries credited to the loan allowance, divided by average amount of loans and leases.

Source:

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