Bank and Thrifts with Highest Nonperformer Ratios (Corrected)

Published June 24, 2009, 10:08 a.m. EDT

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

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Bank and Thrifts with Highest Nonperformer Ratios (Corrected)

Bank and Thrifts with Highest Nonperformer Ratios (Corrected)On Dec. 31, 2008. Dollars in thousands Published June 24, 2009
Rank		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Newton County Loan and Savings FSB Goodland, Ind.	Lincoln National Corp.	thrift	69.19%	0.00%	$3,642	0.00%	$6,645
2	Eastern Savings Bank FSB Hunt Valley, Md.	none	thrift	56.57	33.46	482,180	0.92	1,020,586
3	BankFirst Sioux Falls, S.D.	Marshall BankFirst Corp.	commercial bank	41.97	26.71	96,238	15.70	297,876
4	Community Bank of Lemont Ill.	FBOP Corp.	commercial bank	39.72	0.43	32,558	0.78	93,550
5	City Bank Lynnwood, Wash.	none	commercial bank	38.85	1.38	416,189	8.86	1,325,541
6	Gordon Bank Ga.	none	commercial bank	29.90	0.98	7,339	0.23	34,988
7	Security Bank of Gwinnett County Suwanee, Ga.	Security Bank Corp.	commercial bank	27.55	7.59	62,433	5.85	346,763
8	Florida Community Bank Immokalee	Florida Community Banks Inc.	commercial bank	25.56	14.79	159,656	7.33	977,562
9	Chestatee State Bank Dawsonville, Ga.	Chestatee Bancshares Inc.	commercial bank	25.19	3.93	54,676	1.80	269,774
10	Community Bank of Arizona Phoenix	Community Bancorp	commercial bank	24.90	0.68	23,229	0.21	150,405
11	Central Progressive Bank Lacombe, La.	Blossman Bancshares Inc.	commercial bank	24.56	6.31	85,477	5.19	437,421
	Integrity Bank Jupiter, Fla.	none	commercial bank	24.56	6.48	21,987	2.70	129,448
13	Bank of Miami Coral Gables, Fla.	Granvalor Holding Ltd.	commercial bank	24.29	0.76	121,914	4.76	695,851
14	Community National Bank Lino Lakes, Minn.	Community Investment Services Inc.	commercial bank	24.15	15.49	7,815	6.21	56,379
15	The Bank Weatherford, Texas	SolutionsBank Corp.	commercial bank	23.76	0.00	12,334	0.50	77,091
16	Beal Bank Nevada Las Vegas	Beal Financial Corp.	commercial bank	23.62	1.54	394,470	0.00	3,105,584
17	1st American State Bank of Minnesota Hancock	West Central Banque Shares Inc.	commercial bank	23.61	3.86	3,940	4.32	26,154
18	H&R Block Bank Kansas City, Mo.	H&R Block Inc.	thrift	23.13	1.09	324,457	1.94	1,900,148
19	Ocean Bank Miami	Ocean Bankshares Inc.	commercial bank	22.89	8.37	801,960	4.28	4,756,021
20	Sun Security Bank Ellington, Mo.	Sun Financial Corp.	commercial bank	22.07	5.89	52,338	3.74	379,916
21	Mainstreet Bank Forest Lake, Minn.	BancMidwest Corp.	commercial bank	21.65	5.40	62,320	2.16	481,434
22	Towne Bank of Arizona Mesa	Towne Bancorp Inc.	commercial bank	21.57	5.00	26,445	3.57	150,859
23	Mesa Bank Ariz.	Capitol Bancorp Ltd.	commercial bank	21.36	1.02	31,685	8.77	248,262
24	First State Bank of Altus Okla.	FSB Bancorp Inc.	commercial bank	21.33	0.18	18,069	2.18	105,457
25	Vineyard Bank Corona, Calif.	Vineyard National Bancorp	commercial bank	20.81	3.54	351,168	5.77	2,014,953
26	Warren Bank Mich.	Warren Bancorp Inc.	commercial bank	20.46	11.41	88,180	5.04	604,387
27	Cortez Community Bank Brooksville, Fla.	none	commercial bank	20.35	2.45	12,615	3.89	77,102
28	Butler Bank MHC Lowell, Mass.	Butler Bancorp MHC	savings bank	20.17	2.77	51,305	3.85	324,196
29	AmTrust Bank Cleveland	AmTrust Financial Corp.	thrift	18.84	6.00	2,046,661	1.41	15,558,190
30	First Security National Bank Norcross, Ga.	First Security Corp.	commercial bank	18.83	4.34	13,620	1.05	137,862
31	First Bank and Trust Co. of Illinois Palatine	Hershenhorn Bancorp. Inc.	commercial bank	18.09	8.79	44,123	1.03	367,170
32	Security Bank of North Metro Woodstock, Ga.	Security Bank Corp.	commercial bank	17.93	3.54	28,964	3.20	237,526
33	Centennial Bank Ogden, Utah	Centennial Bankshares Inc.	commercial bank	17.75	0.00	29,561	2.95	215,322
34	MetroPacific Bank Irvine, Calif.	none	commercial bank	17.51	3.44	11,476	1.46	77,393
35	Century Bank FSB Sarasota, Fla.	Century Financial Group Inc.	thrift	16.81	4.20	129,605	0.18	919,126
36	Westernbank Puerto Rico Mayaguez	W Holding Co. Inc.	commercial bank	16.45	5.05	1,474,633	1.32	15,239,790
37	Habersham Bank Clarkesville, Ga.	Habersham Bancorp	commercial bank	16.44	5.20	53,055	1.77	491,952
38	First Piedmont Bank Winder, Ga.	none	commercial bank	16.43	17.99	13,739	4.16	122,806
39	Peoples First Community Bank Panama City, Fla.	Peoples First Properties Inc.	thrift	16.32	2.83	254,391	0.67	1,890,369
40	First National Bank of Griffin Ga.	none	commercial bank	16.20	4.21	31,512	3.16	297,812
41	Premier American Bank Miami	none	commercial bank	16.17	2.86	52,752	2.25	375,481
42	Flagship National Bank Bradenton, Fla.	none	commercial bank	16.02	2.13	24,029	1.79	208,907
43	Builders Bank Chicago	Builders Financial Corp.	commercial bank	15.96	1.88	69,507	0.56	512,852
44	Community National Bank of Sarasota County Venice, Fla.	Community National Bank Corp.	commercial bank	15.84	3.92	13,531	2.54	99,993
45	Community Bank of Nevada Las Vegas	Community Bancorp	commercial bank	15.73	0.86	203,896	2.41	1,743,349
46	Pueblo Bank and Trust Co. Colo.	Pueblo Bancorp.	commercial bank	15.71	5.00	40,921	5.64	343,465
47	First National Bank and Trust Co. in Larned Kan.	Pawnee Bancshares Inc.	commercial bank	15.69	6.44	4,826	3.70	53,857
48	Wilton Bank Conn.	none	commercial bank	15.58	2.85	10,709	0.76	106,311
49	Community Bank of West Georgia Villa Rica	Community Bancshares of West Georgia Inc.	commercial bank	15.55	2.48	21,465	2.18	203,107
50	Mutual Bank Harvey, Ill.	First Mutual Bancorp of Illinois Inc.	commercial bank	15.24	4.43	214,091	4.40	1,693,167
51	Federal Trust Bank Sanford, Fla.	Hartford Financial Services Group Inc.	thrift	15.16	7.46	70,700	0.14	585,006
52	Doral Bank San Juan, Puerto Rico	Doral GP Ltd.	commercial bank	15.00	9.42	739,664	0.82	9,048,489
53	Liberty Bank Salt Lake City	none	commercial bank	14.94	0.00	2,244	1.10	19,994
54	New South Federal Savings Bank Birmingham, Ala.	New South Bancshares Inc.	thrift	14.89	3.12	230,212	1.52	1,906,807
55	First Federal Bank of California FSB Los Angeles	FirstFed Financial Corp.	thrift	14.84	2.75	976,125	4.37	7,450,448
56	State Bank of Lebo Kan.	none	commercial bank	14.70	4.46	2,143	2.43	23,249
57	First State Bank Stockbridge, Ga.	Henry County Bancshares Inc.	commercial bank	14.58	5.74	77,804	2.56	655,717
	Oconee State Bank Watkinsville, Ga.	Oconee Financial Corp.	commercial bank	14.58	4.51	28,772	3.68	308,168
59	First Commercial Bank of Tampa Bay Tampa	FCB Financial Inc.	commercial bank	14.46	2.04	16,606	3.04	153,784
60	SouthwestUSA Bank Las Vegas	SouthwestUSA Corp.	commercial bank	14.43	0.00	26,476	0.09	223,131
61	McIntosh Commercial Bank Carrollton, Ga.	MCB Financial Group Inc.	commercial bank	14.30	1.89	38,453	2.58	370,093
62	Bank 1st Albuquerque	Bank 1st Financial Corp.	commercial bank	14.20	3.37	10,132	1.01	93,693
	Peoples Bank Conyers, Ga.	Persons Banking Co. Inc.	commercial bank	14.20	4.67	20,548	4.12	222,948
64	Lake Community Bank Long Lake, Minn.	Tysan Corp.	commercial bank	14.13	4.30	15,040	2.74	175,734
65	Northwestern Bank Chippewa Falls, Wis.	NW Bancshares Inc.	commercial bank	14.11	8.48	32,341	1.92	351,115
66	Home Loan Investment Bank FSB Warwick, R.I.	Prospect Financial Corp.	thrift	13.96	3.02	21,822	1.46	242,361
67	Utah Community Bank Sandy	Utah Community Bancorp	commercial bank	13.91	0.00	5,616	3.75	57,530
68	Century Security Bank Duluth, Ga.	none	commercial bank	13.88	0.00	12,640	4.34	117,339
69	Community Capital Bank Jonesboro, Ga.	CCB Financial Corp.	commercial bank	13.78	3.84	16,342	0.50	185,350
70	Bank of Wyoming Thermopolis	State Holding Co.	commercial bank	13.75	2.37	11,920	2.09	118,376
71	Barnes Banking Co. Kaysville, Utah	Barnes Bancorp.	commercial bank	13.74	0.46	100,159	2.80	970,775
72	First State Bank Wilmot, S.D.	Northeast Bancorp Inc.	commercial bank	13.73	1.01	2,945	0.73	42,668
73	Family Federal Savings of Illinois Cicero	none	thrift	13.68	3.23	7,439	0.00	62,079
	Bank of Hiawassee Ga.	Chatuge Bank Shares Inc.	commercial bank	13.68	1.45	46,335	1.58	434,284
	First DuPage Bank Westmont, Ill.	First Dupage Bancorp Inc.	commercial bank	13.68	6.24	35,585	2.08	312,260
76	Reliance Bank FSB Fort Myers, Fla.	Reliance Bancshares Inc.	thrift	13.67	5.91	11,912	3.19	123,795
77	Vision Bank Panama City, Fla.	Park National Corp.	commercial bank	13.62	9.86	94,051	5.73	923,297
78	BankCherokee St. Paul	Cherokee Bancshares Inc.	commercial bank	13.53	11.93	21,568	2.90	239,348
79	Bayside Savings Bank Port St. Joe, Fla.	Bayside Financial Corp.	thrift	13.44	1.60	8,068	1.45	84,336
80	Georgia Heritage Bank Dallas	none	commercial bank	13.31	0.21	7,804	5.06	98,010
81	Community Bank and Trust-West Georgia LaGrange	Community Bankshares Inc.	commercial bank	13.23	0.22	11,348	1.31	119,089
82	First National Bank of Georgia Carrollton	WGNB Corp.	commercial bank	13.18	7.04	83,059	2.57	888,950
83	Royal Bank America Narberth, Pa.	Royal Bancshares of Pennsylvania Inc.	commercial bank	13.16	4.16	85,027	1.82	1,064,036
84	First National Bank of Florida Milton	none	commercial bank	13.15	3.71	41,991	1.73	440,956
85	Horizon Bank Pine City, Minn.	Pine City Bancorp. Inc.	commercial bank	13.14	4.62	9,717	0.96	92,845
86	Citizens Trust Bank Atlanta	Citizens Bancshares Corp.	commercial bank	13.11	2.21	28,179	0.31	347,751
	Gold Country Bank Marysville, Calif.	Gold Country Financial Services Inc.	commercial bank	13.11	3.00	9,476	1.06	95,127
88	Valley Capital Bank Mesa, Ariz.	none	commercial bank	13.06	0.00	4,195	0.74	46,576
89	Holladay Bank and Trust Salt Lake City	none	commercial bank	13.04	1.51	7,675	0.43	66,670
90	Neighborhood Community Bank Newnan, Ga.	Newnan Coweta Bancshares Inc.	commercial bank	12.91	4.76	21,323	1.92	223,505
91	Hillcrest Bank Florida Naples	none	commercial bank	12.85	0.00	11,112	0.69	104,563
92	Bank of Commerce Wood Dale, Ill.	Bancshares Holding Corp.	commercial bank	12.79	1.52	25,449	1.90	245,948
93	Royal Savings Bank Chicago	Royal Financial Inc.	savings bank	12.69	0.74	11,922	0.68	110,460
94	Prime Alliance Bank Woods Cross, Utah	none	commercial bank	12.62	10.07	13,855	1.63	135,251
95	Citizens State Bank New Baltimore, Mich.	Citizens State Bancorp Inc.	commercial bank	12.53	2.64	18,795	3.12	199,341
96	Legacy State Bank Loganville, Ga.	none	commercial bank	12.51	0.29	9,036	6.84	112,605
97	Bank of Paxton Neb.	Pony Express Bancorp Inc.	commercial bank	12.44	8.45	1,226	1.48	17,154
98	Ebank Atlanta	ebank Financial Services Inc.	thrift	12.38	10.20	12,019	1.39	153,000
	High Desert State Bank Albuquerque	none	commercial bank	12.38	2.27	8,378	0.15	98,286
100	Bank Arlington Texas	none	commercial bank	12.36	0.00	2,911	0.78	34,369
101	InBank Oak Forest, Ill.	I.S.B. Financial Corp.	commercial bank	12.34	4.35	21,252	1.10	214,332
102	Seattle Bank	Seattle Financial Group Inc.	savings bank	12.30	2.10	77,760	3.38	665,426
103	State Bank of Countryside Ill.	SBC Inc.	commercial bank	12.29	0.87	81,169	1.04	985,364
104	Amboy Bank Old Bridge, N.J.	Amboy Bancorp.	commercial bank	12.28	11.77	238,243	1.40	2,583,468
105	New Resource Bank San Francisco	none	commercial bank	12.26	0.00	13,799	6.96	170,416
106	First State Bank of East Detroit Eastpointe, Mich.	First State Financial Corp.	commercial bank	12.22	5.30	44,394	2.43	664,114
107	First Coweta Bank Newnan, Ga.	none	commercial bank	12.18	1.31	15,810	3.23	166,123
108	Jennings State Bank Spring Grove, Minn.	Spring Grove Investments Inc.	commercial bank	12.02	6.75	4,213	2.01	50,810
109	Citizens Bank and Trust Co. of Chicago	Citizens Financial Corp.	commercial bank	12.01	0.90	7,638	0.24	83,318
110	Lewis & Clark Bank Oregon City, Ore.	none	commercial bank	12.00	0.00	7,646	0.00	96,252
111	Brickwell Community Bank Woodbury, Minn.	none	commercial bank	11.99	0.08	9,162	0.63	83,841
112	First Private Bank and Trust Encino, Calif.	Boston Private Financial Holdings Inc.	commercial bank	11.96	4.88	37,886	37.07	555,208
113	AztecAmerica Bank Berwyn, Ill.	AztecAmerica Bancorp Inc.	commercial bank	11.91	2.22	7,987	0.01	72,387
114	First National Bank in Howell Mich.	FNBH Bancorp Inc.	commercial bank	11.75	4.16	37,096	3.40	388,783
115	Stratford State Bank Wis.	Stratford Bancshares Inc.	commercial bank	11.69	1.29	7,069	0.53	110,864
116	Security Bank North Lauderdale, Fla.	CP Capital Bancorp Inc.	commercial bank	11.68	6.96	15,340	0.51	163,534
	First Bank of Kansas City Mo.	Bancorp III Inc.	commercial bank	11.68	2.85	1,760	3.66	17,922
118	Arrowhead Community Bank Glendale, Ariz.	Capitol Bancorp Ltd.	commercial bank	11.61	0.43	8,066	3.75	80,943
119	First Federal Bank of North Florida Palatka	none	thrift	11.60	3.64	43,037	0.42	411,237
	CornerstoneBank Atlanta	Cornerstone Bancshares	thrift	11.60	5.33	45,398	0.01	450,935
121	SouthBank FSB Huntsville, Ala.	Commonwealth Savingshares Corp.	thrift	11.58	1.65	18,040	0.16	286,946
	Northwest Bank and Trust Acworth, Ga.	Northwest Bancshares Inc.	commercial bank	11.58	0.63	13,616	1.39	152,646
123	K Bank Owings Mills, Md.	K Capital Corp.	commercial bank	11.57	5.59	64,298	2.84	680,478
124	First Commerce Community Bank Douglasville, Ga.	First Commerce Community Bankshares Inc.	commercial bank	11.53	2.67	25,179	1.32	295,668
125	Chevy Chase Bank FSB Bethesda, Md.	Capital One Financial Corp.	thrift	11.52	1.65	1,337,014	0.75	16,022,456
	Frontier Bank Everett, Wash.	Frontier Financial Corp.	commercial bank	11.52	0.58	435,225	1.66	4,099,493
127	Alliant Bank Sedgwick, Kan.	none	commercial bank	11.41	7.50	860	5.35	15,040
	Great Eastern Bank of Florida Miami	none	commercial bank	11.41	7.55	7,269	1.25	82,126
129	Lisle Savings Bank Ill.	none	savings bank	11.38	3.82	49,256	0.21	527,069
130	State Bank of Delano Minn.	Delano State Agency Inc.	commercial bank	11.35	9.19	8,492	3.49	107,252
131	Peoples Bank and Trust Buford, Ga.	Peoples Banktrust Inc.	commercial bank	11.33	1.74	36,365	0.93	446,482
	MBank Gresham, Ore.	Merchants Bancorp	commercial bank	11.33	0.23	27,557	2.17	300,410
133	Key West Bank Fla.	Key West Bancgroup Inc.	thrift	11.29	6.50	9,524	0.00	103,727
134	Nexity Bank Birmingham, Ala.	Nexity Financial Corp.	commercial bank	11.18	1.39	75,854	3.15	1,057,240
	Williamsburg First National Bank Kingstree, S.C.	WFNB Bankshares Inc.	commercial bank	11.18	5.18	10,821	1.04	140,580
136	West Valley National Bank Avondale, Ariz.	West Valley Bancorp Inc.	commercial bank	11.16	0.00	2,979	0.00	43,460
137	First National Bank Pooler, Ga.	First National Corp.	commercial bank	11.13	0.00	23,482	0.17	268,470
138	Commerce Bank of Southwest Florida Fort Myers	Florida Commerce Bancorp Inc.	commercial bank	11.12	1.08	7,335	3.91	77,381
139	Bank of Leeton Mo.	Bancorp V Inc.	commercial bank	11.08	1.70	2,239	0.32	25,594
140	Home Federal Bank of Hollywood Hallandale Beach, Fla.	Home Bancgroup Inc.	thrift	11.07	4.96	7,957	0.00	87,210
141	Tri State Bank of Memphis	none	commercial bank	11.06	6.26	9,592	0.35	119,722
	ISN Bank Cherry Hill, N.J.	none	commercial bank	11.06	8.79	10,691	4.18	128,767
143	First Peoples Bank Port St. Lucie, Fla.	FPB Bancorp Inc.	commercial bank	11.05	0.80	20,634	2.11	238,922
144	Palm Desert National Bank Calif.	Palm Desert Investments	commercial bank	11.03	0.33	29,768	4.01	300,784
145	First Guaranty Bank and Trust Co. of Jacksonville Fla.	none	commercial bank	10.97	1.67	42,135	0.82	487,092
146	Bank of Jackson County Graceville, Fla.	BJC Holdings,Inc.	commercial bank	10.92	0.91	2,986	0.29	38,537
	Owen Community Bank Spencer, Ind.	Home Financial Bancorp	thrift	10.92	6.15	6,471	0.44	71,091
148	Peoples Community Bank West Chester, Ohio	Peoples Community Bancorp Inc.	thrift	10.87	3.79	53,324	8.01	711,988
	Benchmark Bank Gahanna, Ohio	none	savings bank	10.87	0.44	12,278	0.37	146,908
150	R-G Premier Bank of Puerto Rico San Juan	R&G Financial Corp.	commercial bank	10.81	3.92	621,869	0.54	7,050,076

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