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Bank Holding Companies with Highest Concentration in First-Mortgage Loans

March 02, 2006, 10:08 a.m. EST 1 Min Read
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Bank Holding Companies with Highest Concentration in First-Mortgage Loans

Bank Holding Companies with Highest Concentration in First-Mortgage Loans
On Sept. 30, 2005. Dollars in thousands
Published March 2, 2006
Related Table: Biggest Increases from Year Earlier
Rank   Concentration Concentration Domestic loans & leases
Sept. 30, 2005 Year Earlier Sept. 30, 2005 Change
1 Investors Bancorp Short Hills, N.J. 93.69% 94.31% $2,072,594 61.58% $2,212,290
2 MassBank Corp. Reading, Mass. 89.34 95.40 219,847 -3.02 246,073
3 Georgia Banking Co. Inc. Atlanta 89.13 NA 160,837 NA 180,460
4 NBank Corp. Commerce, Ga. 85.50 82.06 316,891 15.24 370,650
5 RSI Bancorp Rahway, N.J. 82.80 85.34 142,093 7.85 171,610
6 Brannen Banks of Florida Inc. Inverness 80.23 79.76 233,230 12.88 290,698
7 Century Bancorp Bridgeton, N.J. 78.61 80.85 53,626 1.45 68,222
8 Laurel Capital Group Inc. Allison Park, Pa. 78.46 74.76 169,158 19.68 215,591
9 MSB Mutual Holding Co. Manasquan, N.J. 78.26 81.45 301,064 9.00 384,711
10 Westborough Bancorp Mass. 78.22 77.57 157,436 22.10 201,262
11 Oriental Financial Group Inc. San Juan, Puerto Rico 76.51 NA 695,111 NA 908,561
12 Northumberland Bancorp Pa. 75.23 76.82 127,206 9.75 169,087
13 Countrywide Financial Corp. Calabasas, Calif. 75.03 72.07 77,300,371 92.25 103,020,836
14 Mechanics Financial Corp. Mansfield, Ohio 74.79 75.11 182,915 3.08 244,564
15 New York Private Bank and Trust Corp. 73.85 77.07 4,453,282 -1.52 6,030,370
16 Coddle Creek Financial Corp. Mooresville, N.C. 73.82 75.56 86,205 0.03 116,772
17 Harleysville Savings Financial Corp. Pa. 71.05 74.44 261,569 3.05 368,142
18 Prudential Mutual Holding Co. Philadelphia 67.68 NA 118,885 NA 175,649
19 GSB MHC Greenfield, Mass. 67.04 NA 215,819 NA 321,902
20 South Shore Mutual Holding Co. Weymouth, Mass. 66.99 65.88 93,754 13.44 139,959
21 Union Bancshares Freeport, Ill. 66.88 73.98 67,178 -2.98 100,452
22 Standard Mutual Holding Co. Export, Pa. 66.51 68.93 80,393 4.16 120,868
23 Ohio County Community Bancshares Inc. Hartford, Ky. 65.56 64.97 53,202 4.79 81,155
24 FSC Bancshares Inc. Cameron, Mo. 64.69 66.45 101,863 8.42 157,469
25 Connecticut Mutual Holding Co. Winsted 64.19 66.21 166,193 0.14 258,911
26 Narragansett Financial Corp. Fall River, Mass. 63.90 68.95 214,418 10.39 335,551
27 Wonder Bancorp Inc. Wonder Lake, Ill. 63.82 62.20 79,661 10.39 124,828
28 Montfort Bancorp. Inc. Platteville, Wis. 63.10 63.93 66,790 2.63 105,841
29 Ellis Bankshares Inc. Eagle River, Wis. 62.58 64.68 64,003 1.83 102,269
30 First Breckinridge Bancshares Inc. Irvington, Ky. 62.40 62.76 220,641 13.18 353,593
31 Absecon Bancorp N.J. 62.09 67.92 33,355 6.07 53,718
32 OceanPoint Financial Partners Newport, R.I. 61.71 NA 350,083 NA 567,325
33 Orbisonia Community Bancorp Inc. Pa. 61.63 61.14 98,440 5.78 159,737
34 Clinton Financial Services Mass. 61.43 64.22 174,345 8.09 283,830
35 Peapack-Gladstone Financial Corp. Gladstone, N.J. 61.35 56.07 461,379 50.51 752,052
36 Terre Haute Savings Inc. Ind. 61.16 62.06 69,673 22.61 113,920
37 C&F Banc Shares Corp. Kendallville, Ind. 60.60 56.65 69,112 9.96 114,051
38 Grand Bank Corp. Marblehead, Mass. 60.29 67.48 90,210 -2.54 149,619
39 Cambridge Financial Group Inc. Mass. 60.20 58.71 829,512 3.81 1,377,971
40 CNB Financial Services Inc. Berkeley Springs, W.Va. 60.13 60.00 107,433 14.86 178,659
41 First Community Financial Corp. Mifflintown, Pa. 59.99 60.50 94,414 4.41 157,393
42 Northfield MHC Vt. 59.96 62.16 218,565 14.85 364,536
43 NewMil Bancorp Inc. New Milford, Conn. 59.69 61.25 299,367 0.62 501,498
44 Randolph Bancorp Stoughton, Mass. 58.91 60.66 137,225 9.46 232,940
45 Security First Bancshares Inc. O’Fallon, Ill. 58.86 59.13 70,390 5.07 119,584
46 Union Bankshares Co. Ellsworth, Maine 58.80 55.33 209,241 23.94 355,863
47 Tower Bancorp Inc. Greencastle, Pa. 58.78 58.48 135,258 2.35 230,103
48 Peoples Bancorp Inc. of Bullitt County Shepherdsville, Ky. 58.61 62.94 48,124 -3.52 82,113
49 First Co. Bancorp Inc. Collinsville, Ill. 58.43 60.69 443,958 12.25 759,776
50 Phelps County Bancshares Inc. Rolla, Mo. 58.39 57.05 90,402 7.08 154,821
51 First Star Bancorp Inc. Bethlehem, Pa. 58.08 65.53 138,632 -9.85 238,703
52 Penn Bancshares Inc. Pennsville, N.J. 57.83 61.06 35,509 -2.26 61,399
53 Savings Bancorp Inc. Circleville, Ohio 57.70 59.14 69,034 5.30 119,642
54 Great Lakes Bancorp Inc. Buffalo, N.Y. 57.58 70.90 229,210 12.29 398,043
55 Fryburg Banking Co. Inc. Pa. 57.51 51.56 69,291 7.68 120,486
56 Ohio Heritage Bancorp Inc. Coshocton 57.02 56.38 90,403 10.95 158,552
57 FirstBank Holding Co. of Colorado Lakewood 56.61 60.34 1,206,872 5.14 2,131,777
58 Republic Trinidad Corp. Houston 56.52 58.24 56,812 -3.32 100,522
59 FSB Mutual Holdings Inc. Perkasie, Pa. 56.50 59.07 276,923 4.23 490,147
60 Town and Country Bancshares Inc. Salem, Mo. 56.50 56.21 171,986 11.60 304,413
61 Paris Bancshares Inc. Tex. 56.44 57.38 39,433 -2.06 69,870
62 MountainOne Financial Partners North Adams, Mass. 56.30 55.81 148,542 1.41 263,847
63 South Street Financial Corp. Albemarle, N.C. 56.07 62.85 99,357 5.50 177,200
64 Camco Financial Corp. Cambridge, Ohio 55.81 61.85 477,700 -13.88 855,995
65 New Era Bancorp. Inc. Fredericktown, Mo. 55.66 56.46 95,371 6.61 171,361
66 Abington MHC Jenkintown, Pa. 55.53 NA 281,661 NA 507,181
67 Community Bankshares Inc. Parkersburg, W.Va. 55.39 59.58 73,399 -2.32 132,524
68 First Financial Holdings Corp. Renton, Wash. 55.32 61.97 245,468 6.24 443,724
69 Gassaway Bancshares Inc. W.Va. 54.90 50.18 39,491 3.03 71,937
70 Northpointe Bancshares Inc. Grand Rapids, Mich. 54.66 55.65 138,525 23.20 253,414
71 Middlebury National Corp. Vt. 54.66 57.62 73,954 2.25 135,304
72 HFB Financial Corp. Middlesboro, Ky. 54.43 54.78 116,265 3.45 213,617
73 Romney Bankshares Inc. W.Va. 54.12 54.25 78,444 8.87 144,954
74 Middlefield Banc Corp. Ohio 54.11 59.03 122,206 -1.07 225,851
75 Andover Bancorp Inc. Ohio 54.07 55.91 72,366 2.89 133,843
76 Guaranty Bancorp Inc. Woodsville, N.H. 53.71 53.16 119,034 0.10 221,612
77 Community Bancorp. Derby, Vt. 53.06 52.99 129,941 12.53 244,887
78 Fidelity Bancshares Inc. Edina, Minn. 52.79 48.52 189,012 38.94 358,042
79 Farmers Bancshares Inc. Pomeroy, Ohio 52.71 NA 64,141 NA 121,677
80 HSBC North America Holdings Inc. Prospect Heights, Ill. 52.68 55.82 107,110,352 20.08 203,330,367
81 Fidelity and Trust Financial Corp. Bethesda, Md. 52.52 NA 136,914 NA 260,693
82 Mutual Bancorp of the Berkshires Inc. Pittsfield, Mass. 52.31 53.75 281,364 3.37 537,851
83 First National Bancshares Inc. East Lansing, Mich. 52.27 51.17 165,543 -4.92 316,690
84 Rockville Financial Inc. Vernon, Conn. 52.19 53.23 430,685 23.28 825,283
85 Service Bancorp Medway, Mass. 51.99 54.53 150,885 11.59 290,223
86 Berkshire Financial Services Inc. Lee, Mass. 51.73 57.16 144,847 -2.25 280,027
87 Pelican Financial Inc. Ann Arbor, Mich. 51.70 37.46 44,810 13.16 86,674
88 Greenville National Bancorp Ohio 51.68 52.53 116,348 3.25 225,140
89 First Berne Financial Corp. Ind. 51.62 54.50 139,329 -2.37 269,911
90 Benjamin Franklin Bancorp Inc. Franklin, Mass. 51.44 64.87 313,123 27.55 608,717
91 Logan County Bancshares Inc. Logan, W.Va. 51.42 51.41 52,437 3.26 101,987
92 FCN Banc Corp. Brookville, Ind. 51.28 55.23 75,042 -0.24 146,324
93 North Fork Bancorp. Inc. Melville, N.Y. 51.21 20.82 19,139,119 479.12 37,374,511
94 First Prestonsburg Bancshares Inc. Ky. 50.80 49.72 51,300 0.32 100,992
95 Friendship Bancorp Friendship, Ind. 50.44 52.36 77,065 1.91 152,778
96 NewAlliance Bancshares Inc. New Haven 50.37 54.11 1,632,469 -5.84 3,240,695
97 HCB Financial Corp. Hastings, Mich. 50.17 53.91 73,784 -0.95 147,073
98 First Litchfield Financial Corp. Conn. 50.00 52.31 123,464 12.08 246,939
99 Santander BanCorp San Juan, Puerto Rico 49.42 44.47 3,012,957 28.57 6,096,603
100 NVE Bancorp Englewood, N.J. 49.23 51.92 125,124 -4.67 254,137
101 Nekoosa Port Edwards Bancorp. Inc. Wis. 49.09 48.53 56,318 9.37 114,734
102 FNB Financial Corp. McConnellsburg, Pa. 49.01 49.28 66,957 22.70 136,632
103 Peoplesbancorp Holyoke, Mass. 48.95 48.71 406,270 27.68 830,024
104 Provident Financial Services Inc. Jersey City, N.J. 48.78 50.71 1,795,946 -5.41 3,681,570
105 Solvay Bank Corp. N.Y. 48.68 49.97 158,857 2.54 326,308
106 Salisbury Bancorp Inc. Lakeville, Conn. 48.64 50.81 102,280 -1.54 210,288
107 Coastal Community Investments Inc. Panama City Beach, Fla. 48.61 37.16 104,193 74.58 214,352
108 Dickson Financial Corp. Tenn. 48.50 49.32 47,738 5.22 98,421
109 Assabet Valley Bancorp Hudson, Mass. 48.49 50.02 230,447 6.05 475,294
110 Berkshire Bancorp Inc. New York 48.48 53.41 136,461 -11.35 281,492
111 1st Independence Financial Group Inc. Harrodsburg, Ky. 48.41 51.27 131,032 3.64 270,694
112 Fleetwood Bank Corp. Pa. 48.12 49.71 39,172 -0.08 81,411
113 Citizens and Northern Corp. Wellsboro, Pa. 47.72 53.23 307,909 1.23 645,289
114 UFS Bancorp Whitinsville, Mass. 47.51 47.81 150,909 13.42 317,667
115 Campello Bancorp Brockton, Mass. 47.49 51.06 122,808 6.46 258,579
116 BankFive Fall River, Mass. 47.44 NA 202,181 NA 426,187
117 Republic Bancorp Inc. Louisville, Ky. 47.33 45.30 938,006 18.69 1,981,644
118 Bar Harbor Bankshares Maine 47.31 50.04 233,641 8.70 493,854
119 F.S. Bancorp LaGrange, Ind. 47.27 46.87 124,682 5.24 263,739
120 Sleepy Hollow Bancorp Inc. N.Y. 47.27 56.83 74,072 -13.22 156,708
121 Seaway Bancshares Inc. Chicago, Ill. 47.09 46.56 79,527 11.36 168,873
122 ACNB Corp. Gettysburg, Pa. 47.07 46.58 225,315 12.41 478,631
123 Cecil Bancorp Inc. Elkton, Md. 46.90 36.38 101,382 74.83 216,165
124 Ballston Spa Bancorp Inc. N.Y. 46.82 43.66 91,322 28.84 195,034
125 First Bancshares Inc. Whiting, Ind. 46.78 47.99 450,169 5.10 962,296
126 Ambanc Financial Services Inc. Beaver Dam, Wis. 46.74 45.42 59,392 18.03 127,070
127 Lafollette First National Corp. Tenn. 46.72 47.71 55,818 1.59 119,467
128 Columbia Financial Corp. Bloomsburg, Pa. 46.71 43.67 67,154 2.91 143,763
129 NorthWest Indiana Bancorp Munster, Ind. 46.67 50.95 210,372 -0.63 450,776
130 Shore Financial Corp. Onley, Va. 46.59 48.21 89,362 8.53 191,790
131 City National Bankcorp Inc. Metropolis, Ill. 46.52 46.64 44,691 6.29 96,060
132 Big Lake Financial Corp. Okeechobee, Fla. 46.43 54.71 91,336 -4.95 196,698
133 Liberty Bancorp of Georgia Inc. Clayton 46.22 48.24 77,471 11.13 167,628
134 MNB Bancorp Milford, Mass. 46.20 40.98 115,604 34.59 250,250
135 Rockhold Bancorp Kirksville, Mo. 46.17 50.33 105,132 1.54 227,703
136 Palm Bancorp Palmerton, Pa. 45.99 47.15 122,837 2.91 267,094
137 Hancock Bancorp Inc. Hawesville, Ky. 45.91 NA 29,232 NA 63,675
138 Republic Bancorp Inc. Owosso, Mich. 45.91 48.27 2,147,378 -2.99 4,677,832
139 Owen Financial Corp. Spencer, Ind. 45.89 45.52 46,130 2.78 100,527
140 Independent Southern Bancshares Inc. Brownsville, Tenn. 45.86 49.85 181,231 -4.47 395,142
141 Juniata Valley Financial Corp. Mifflintown, Pa. 45.79 46.78 135,407 3.89 295,731
142 Commercial National Financial Corp. Latrobe, Pa. 45.78 46.94 94,234 6.49 205,832
143 Southern Missouri Bancorp Inc. Poplar Bluff 45.77 47.17 127,560 4.07 278,690
144 CCFNB Bancorp Inc. Bloomsburg, Pa. 45.66 45.07 69,124 2.86 151,381
145 New Tripoli Bancorp Inc. Pa. 45.34 42.70 53,313 7.72 117,584
146 Patapsco Bancorp Inc. Dundalk, Md. 45.34 46.18 75,528 7.05 166,582
147 Wilkinson Banking Corp. Greenwood, Ark. 45.20 52.88 51,294 -10.43 113,480
148 Citizens Financial Services Inc. Mansfield, Pa. 45.04 46.57 169,147 2.74 375,518
149 Paducah Bank Shares Inc. Ky. 44.86 44.57 135,850 12.05 302,851
150 Neffs Bancorp Inc. Pa. 44.80 46.32 36,300 5.03 81,030

Note: *First-mortgage loans as a percentage of total loans.

Source: SNL Financial, Charlottesville, Va. (www.snl.com)

© 2006 American Banker