Bank Assets Under $1 Billion, Ranked by ROA

Published November 08, 2001, 10:08 a.m. EST

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

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Bank Assets Under $1 Billion, Ranked by ROA

Bank Assets Under $1 Billion, Ranked by ROA
June 30 data; dollars in thousands Published November 8, 2001

Rank		Return on average assets June '01	Return on average assets June '00	Total Assets	Return on average equity	Efficiency Ratio
1	Franklin Thrift and Loan Association Orange, Calif.	8.49%	7.09%	$3,081	30.34%	62.39%
2	First Farmers and Merchants State Bank Grand Meadow, Minn.	5.05	0.25	22,428	39.71	76.29
3	Wright Express Financial Services Corp. Salt Lake City	4.32	4.05	274,181	36.18	69.71
4	First National Bank Fort Pierre, S.D.	4.18	4.7	206,761	39.52	50.54
5	Country Bank New York	4.03	0.71	131,343	46.6	43.7
6	Peoples National Bank Paris, Tex.	3.61	0.77	92,356	47.26	80.33
7	City Bank Lynnwood, Wash.	3.54	3.47	587,294	17.18	44.5
8	Peoples State Bank Cherryvale, Kan.	3.24	2.65	12,905	24	43.06
9	Central Bank Provo, Utah	2.82	2.63	317,378	17.32	51.41
10	Bank of Alma Wis.	2.78	2.59	124,198	14.58	13.24
11	Chambers State Bank Neb.	2.76	3.5	25,367	10.97	31.16
12	Bank Federated States of Micronesia Kolonia	2.74	2.89	56,110	12.71	67.55
13	Utah Community Bank Sandy	2.72	NA	18,247	10.21	65.58
	Farmers Bank Hardinsburg, Ky.	2.72	2.66	70,885	15.88	42.41
15	Oaks Bank and Trust Co. Dallas	2.71	2.68	80,259	23.33	48.07
16	Lakeside Bank of Salina Okla.	2.7	2.55	24,843	26.4	41
17	Putnam County National Bank of Carmel N.Y.	2.64	3.57	148,089	10.85	36.59
18	First International Bank Chula Vista, Calif.	2.59	2.2	51,275	33.16	76.52
19	Bank of Steinauer Neb.	2.58	2.42	8,241	31.22	45.32
	Far West Bank Provo, Utah	2.58	2.09	238,200	20.78	52.09
21	Finance and Thrift Co. Porterville, Calif.	2.57	2.37	93,073	14.12	61.81
22	Gunnison Valley Bank Utah	2.54	2.93	41,629	25.45	34.41
23	Port Richmond Savings Philadelphia	2.49	1.95	38,052	19.26	34.44
24	Custodial Trust Co. Princeton, N.J.	2.48	3.2	447,774	8.36	48.67
25	Liberty Bank and Trust Co. Boston	2.47	2.02	37,365	15.99	50.46
26	Hanvit American Bank New York	2.46	2.04	288,990	13.5	51.77
	Holladay Bank and Trust Co. Salt Lake City	2.46	3.96	46,551	20.44	47.49
28	Humboldt Bank Eureka, Calif.	2.45	1.63	463,061	31.15	58.14
29	California Chohung Bank Los Angeles	2.44	2.57	129,172	7.32	44.53
	Security First National Bank of Hugo Okla.	2.44	2.75	79,067	34.45	39.47
31	Summit Bank Fort Worth	2.43	0.97	619,990	26.28	56.62
32	Moorhead State Bank Iowa	2.42	2.69	12,021	16.88	36.44
	Vermont State Bank Vermont, Ill.	2.42	2.09	5,057	14.78	61.04
	Habib American Bank New York	2.42	1.61	232,716	29.43	58.85
35	CapitalBank Greenwood, S.C.	2.38	1.29	356,657	24.54	58.29
36	Peoples Bank and Trust Co. Owenton, Ky.	2.37	2.22	58,376	23.54	52.44
37	Needham Co-Op Bank Mass.	2.34	1.97	373,292	7.83	28.17
38	Mississippi River Bank Belle Chasse, La.	2.31	2.31	76,303	19.71	52.89
39	Independent Community Bank Tequesta, Fla.	2.3	-2.64	32,957	18.98	69.22
	Fuji Bank and Trust Co. New York	2.3	2.64	653,108	5.85	59.26
41	Stearns Bank St. Cloud, Minn.	2.29	2.06	598,157	21.93	34.65
42	First National Bank of Amarillo Tex.	2.28	1.57	365,498	16.15	48.45
43	Middletown Valley Bank Md.	2.27	2.26	114,712	10.9	36.52
	Farmers State Bank of Oakley Kan.	2.27	1.79	74,187	18.41	41.36
45	American Bank Dallas	2.24	1.41	25,036	25.09	57.7
46	Metro Bank Pell City, Ala.	2.23	1.83	202,991	27.35	35.19
	Citizens Bank Carthage, Tenn.	2.23	2.14	404,026	11.38	25.92
48	Barnes Banking Co. Kaysville, Utah	2.21	2.28	443,543	16.11	37.67
49	Utah Independent Bank Salina	2.19	2.47	34,660	17.22	46.06
50	State Bank of Escanaba Mich.	2.18	2.19	94,893	10.96	39.11
	Security State Bank and Trust Co. Fredericksburg, Tex.	2.18	2.26	416,168	19.21	42.76
52	Wilton Bank Conn.	2.16	1.81	95,920	19.78	44.24
	Vermillion State Bank Kan.	2.16	2.91	14,052	12.19	44.33
54	Peoples Bank Chatham, La.	2.15	2.34	15,940	17.55	51.95
	Nara Bank Los Angeles	2.15	2.48	640,192	27.76	56.85
56	First State Bank St Charles, Mo.	2.14	2.68	128,893	10.85	45.18
	Scandia American Bank and Trust Co. Stanley, N.D.	2.14	2.28	56,348	10	29.79
58	First State Bank of Healy Kan.	2.12	1.95	38,027	9.59	42.25
	Bankers Bank Madison, Wis.	2.12	0.92	116,621	15.55	76.44
60	Bank of Commerce Idaho Falls, Idaho	2.11	2.21	412,186	14.33	35.89
	Liberty State Bank Powers Lake, N.D.	2.11	2.19	22,967	11.49	39.66
	First State Bank Gothenburg, Neb.	2.11	1.71	88,256	18.18	38.17
63	First National Bank of Izard County Calico Rock, Ark.	2.1	1.8	112,067	10.69	41.12
	Golf Savings Bank Mountlake Terrace, Wash.	2.1	-1.31	123,409	24.3	83.5
	First Pryority Bank Pryor, Okla.	2.1	2.42	124,224	19.75	39.8
66	California Pacific Bank San Francisco	2.09	1.86	70,254	11.29	51.05
	Farmers and Merchants State Bank Krum, Tex.	2.09	2.18	87,933	28.31	58.95
68	First State Bank of Okabena Minn.	2.08	1.92	19,324	9.5	41.94
69	First National Bank of Wyoming Del.	2.07	1.9	164,712	11.69	44.73
	Citizens State Bank Moundridge, Kan.	2.07	1.98	125,030	17.14	41.3
71	Farmers and Drovers Bank Council Grove, Kan.	2.06	2.23	92,708	7.7	32.01
Rank		Return on average assets June '01	Return on average assets June '00	Total Assets	Return on average equity	Efficiency Ratio
72	Commercial State Bank Clay Center, Neb.	2.05	0.89	29,267	15.72	57.55
	Peoples Webster County Bank Red Cloud, Neb.	2.05	2.39	49,739	7.74	37.72
	Bonneville Bank Provo, Utah	2.05	2.5	23,965	11.26	62.81
	Shell Lake State Bank Wis.	2.05	1.84	95,990	13.79	44.33
	Bank of Locust Grove Okla.	2.05%	2.32%	$30,388	21.89%	51.62%
77	Marion County State Bank Pella, Iowa	2.04	1.68	139,648	22.03	41.59
	Citizens State Bank of Choteau Mont.	2.04	1.82	43,371	14.67	32.77
	Payne County Bank Perkins, Okla.	2.04	2.12	76,622	12.35	45.2
	Enloe State Bank Tex.	2.04	2.29	15,618	12.35	58.6
81	Heritage Savings Bank Terrell, Tex.	2.03	0.35	39,565	22.6	59.98
	Security Savings Bank Eagle Grove, Iowa	2.03	1	64,507	21.41	42.91
	Farmers State Bank Ewing, Neb.	2.03	1.96	12,998	9.11	39.4
84	First United Bank Denver	2.02	2.88	116,001	14.97	56.5
	First State Bank Claremont, S.D.	2.02	2.22	22,049	8.77	49.43
86	First National Bank of Kinmundy Ill.	2.01	1.35	25,955	12.55	50.52
	Deposit Bank Carlisle, Ky.	2.01	2.14	55,290	11.51	36.65
	Pacific Continental Bank Eugene, Ore.	2.01	1.52	305,403	18.83	53.88
	Calvin B. Taylor Banking Co. Berlin, Md.	2.01	1.92	289,640	11.66	38.26
90	Rancho Santa Fe National Bank Calif.	2	1.96	231,087	23.05	47.39
	Bank of Anguilla Miss.	2	2.17	75,175	14.84	54.88
	Community Bank and Trust Co. Wolfeboro, N.H.	2	1.75	284,920	23.46	39.45
	Bank of American Fork Utah	2	2.13	370,781	14.26	46.95
	County Bank Greenwood, S.C.	2	1.86	159,630	16.5	59.34
95	Adams State Bank Neb.	1.99	2.05	24,499	8.98	34.08
	Hamlin Bank and Trust Co. Smethport, Pa.	1.99	2.04	247,802	8.94	46.2
	First National Bank of Morgan Utah	1.99	2.68	50,584	13.61	48.75
	Bryn Mawr Trust Co. Pa.	1.99	1.94	441,835	22.27	64.38
	Chesapeake Bank Kilmarnock, Va.	1.99	1.08	231,840	26.1	55.51
100	Farmers State Bank Westmoreland, Kan.	1.98	1.98	50,464	9.4	32.01
101	Bank of Hoven S.D.	1.97	3.32	136,040	8.73	56.01
	Sequatchie County Bank Dunlap, Tenn.	1.97	1.14	47,941	12.51	49.1
103	First Security Thrift Co. Orange, Calif.	1.96	1.9	162,405	15.93	25.36
	Drayton State Bank N.D.	1.96	2	33,433	17.46	40.27
	Royal Bank of Pennsylvania Narberth	1.96	2.44	907,139	19.65	47.2
106	Dutton State Bank Mont.	1.95	1.35	14,629	15.81	54.19
	National Grand Bank-Marblehead Mass.	1.95	1.92	189,030	20.99	44.57
108	Clackamas County Bank Sandy, Ore.	1.94	2.06	148,273	13.01	56.99
	Bank of Southside Virginia Carson, Va.	1.94	2.31	372,257	16.24	48.26
	Mountain States Bank Denver	1.94	1.78	266,798	14.7	46.59
	State Bank of Southern Utah Cedar City	1.94	1.98	267,006	15.95	52.56
112	Bank of Dooly Vienna, Ga.	1.93	2.04	55,620	11.11	43.47
	Hampton State Bank Iowa	1.93	0.76	43,772	20.46	54.84
	Stearns Bank Canby, Minn.	1.93	1.14	77,672	19.71	25.59
	Omaha State Bank Omaha	1.93	1.6	194,660	24.61	54.54
116	Fireside Thrift Co. Pleasanton, Calif.	1.92	2.12	890,836	14.69	49.34
	Dolores State Bank Colo.	1.92	2.28	68,268	15.49	36.34
	First State Bank Hope, N.D.	1.92	1.72	14,187	21.65	51.84
	Bryan County National Bank Caddo, Okla.	1.92	1.36	33,242	18.55	48.68
	Adams National Bank Washington	1.92	1.66	160,552	17.61	53.74
121	Bank of Wyandotte Okla.	1.91	1.8	13,069	17.76	61.14
	Bank of Granite Granite Falls, N.C.	1.91	2.61	669,409	11.13	35.41
123	Weleetka State Bank Okla.	1.9	1.29	17,815	25.22	59.03
124	First National Bank Rosedale, Miss.	1.89	1.79	47,492	16.31	56.2
	American Investment Financial Midvale, Utah	1.89	1.94	129,626	12.55	48.07
	Wyoming Bank and Trust Co. Cheyenne, Wyo.	1.89	1.1	40,649	23.48	62.26
127	First Security Bank Batesville, Miss.	1.88	1.45	282,553	16.93	50.31
128	First Bank of Lincoln Mont.	1.87	1.57	9,485	12.22	53.42
	Union Bank Morrisville, Vt.	1.87	1.99	210,936	16.03	54.96
130	Citizens Community Bank Winchester, Tenn.	1.86	2.02	81,013	15.53	45.84
131	Marion Bank and Trust Co. Ala.	1.85	1.6	87,437	14.24	50.75
	McGehee Bank Ark.	1.85	1.88	87,700	10.39	43.61
	Petefish Skiles and Co. Virginia, Ill.	1.85	1.58	73,880	14.77	51.64
	State Savings Bank-Frankfort Mich.	1.85	1.9	47,810	11.24	46.74
	First Westroads Bank Omaha	1.85	1.67	147,207	22.84	44.59
136	Peachtree Bank Maplesville, Ala.	1.84	1.86	53,523	13.55	51.07
	Benton County State Bank Blairstown, Iowa	1.84	1.49	32,672	13.77	41.68
	Williamsburg National Bank Ky.	1.84	1.62	54,998	19.11	43.24
	Security Bank New Auburn, Wis.	1.84	1.88	25,256	12.32	45.29
140	Peoples Exchange Bank of Monroe County Beatrice, Ala.	1.83	1.71	38,746	14.63	61.52
	Bank of Prairie Du Sac Wis.	1.83	1.69	157,279	11.62	40.91
	Bank of the Cascades Bend, Ore.	1.83	1.84	475,208	23.37	51.3
	Bank of Washington Mo.	1.83	1.89	338,795	9.29	47.09
	First National Bank and Trust Co. Chickasha, Okla.	1.83	1.33	153,831	14.08	50.18
145	Mohave State Bank Lake Havasu City, Ariz.	1.82	1.83	157,328	19.47	46.25
	Ruby Valley National Bank Twin Bridges, Mont.	1.82	2.08	39,531	17.82	50.86
	First National Bank of Gordon Neb.	1.82	1.73	81,190	17.39	49.1
	Northwestern State Bank Orange City, Iowa	1.82	1.81	77,335	20.33	39.83
	Rural American Bank - Luck Wis.	1.82	1.82	53,463	24.36	48.73
	Peoples State Bank and Trust Co. Baxley, Ga.	1.82	2.55	49,428	14.59	57.52

Community banks are defined as independent banks with total assets under $1 billion or banks owned by a
bank holding company with total assets under $1 billion. The following were excluded: banks with total loans/
total assets under 50%; banks with credit card loans/gross loans under 25%; banks filing S Corporation exclusion
with the IRS; banks that do not rely on deposit-taking and lending in their businesses.