Bank Holding Companies with Highest Concentration in First-Mortgage Loans
February 20, 2007, 10:08 a.m. EST 1 Min Read
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Bank Holding Companies with Highest Concentration in First-Mortgage Loans
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| Published February 20, 2007 | ||||||
| Concentration* | First-mortgage loans | Domestic | ||||
| | | Sept. 30 | Change | |||
| 1 | Investors Bancorp Short Hills, N.J. | 90.50% | 93.70% | $2,895,184 | 39.70% | $3,200,487 |
| 2 | MassBank Corp. Reading, Mass. | 82 | 89.3 | 199,884 | -9.1 | 243,876 |
| 3 | MSB Mutual Holding Co. Manasquan, N.J. | 75.3 | 78.3 | 309,356 | 2.8 | 410,914 |
| 4 | Brannen Banks of Florida, Inc. Inverness, Fla. | 73 | 80.2 | 240,370 | 3.1 | 329,521 |
| 5 | Countrywide Financial Corp. Calabasas, Calif. | 72.4 | 75 | 79,501,057 | 2.8 | 109,803,736 |
| 6 | Harleysville Savings Financial Corp. Pa. | 71.5 | 71.1 | 277,086 | 5.9 | 387,718 |
| 7 | Florence Bancorp Mass. | 67 | NA | 379,292 | NA | 566,364 |
| 8 | GSB Greenfield, Mass. | 66.8 | 67 | 229,852 | 6.5 | 344,063 |
| 9 | Oriental Financial Group Inc. San Juan, Puerto Rico | 65.9 | 76.5 | 781,293 | 12.4 | 1,186,096 |
| 10 | Connecticut Mutual Holding Co. Winsted | 65 | 64.2 | 176,159 | 6 | 271,105 |
| 11 | First National Bancshares Inc. East Lansing, Mich. | 64.2 | 52.3 | 245,280 | 48.2 | 382,290 |
| 12 | OceanPoint Financial Partners Newport, R.I. | 63.6 | 61.7 | 394,588 | 12.7 | 620,672 |
| 13 | First Breckinridge Bancshares Inc. Irvington, Ky. | 62.1 | 62.4 | 248,163 | 12.5 | 399,611 |
| 14 | NewMil Bancorp Inc. New Milford, Conn. | 59.7 | 59.7 | 303,299 | 1.3 | 507,985 |
| 15 | Cambridge Financial Group Inc. Mass. | 59.2 | 60.2 | 848,386 | 2.3 | 1,432,101 |
| 16 | Peapack-Gladstone Financial Corp. Gladstone, N.J. | 58.7 | 61.4 | 505,459 | 9.6 | 861,339 |
| 17 | New York Private Bank and Trust Corp. | 58.4 | 73.9 | 4,011,767 | -9.9 | 6,867,443 |
| 18 | Narragansett Financial Corp. Fall River, Mass. | 58.2 | 63.9 | 229,627 | 7.1 | 394,796 |
| 19 | Union Bankshares Co. Ellsworth, Maine | 58 | 58.8 | 222,003 | 6.1 | 383,004 |
| 20 | First Co Bancorp Inc. Collinsville, Ill. | 57.7 | 58.4 | 487,810 | 9.9 | 845,399 |
| 21 | NBank Corp. Commerce, Ga. | 56.5 | 85.5 | 52,848 | -83.3 | 93,480 |
| MountainOne Financial Partners North Adams, Mass. | 56.5 | 56.3 | 160,502 | 8.1 | 284,107 | |
| 23 | R and G Financial Corp. Hato Rey, Puerto Rico | 56.4 | 54.7 | 5,269,381 | 40.6 | 9,347,866 |
| 24 | FSB Mutual Holdings Inc. Perkasie, Pa. | 56.3 | 56.5 | 328,288 | 18.5 | 583,599 |
| 25 | Northfield MHC Vt. | 55.9 | 60 | 226,123 | 3.5 | 404,253 |
| 26 | Abington Jenkintown, Pa. | 55.6 | 55.5 | 331,580 | 17.7 | 596,314 |
| 27 | Fidelity Bancorp Inc. Pittsburgh | 55.4 | 40.1 | 244,718 | 75 | 439,932 |
| 28 | Tower Bancorp Inc. Greencastle, Pa. | 55.2 | 58.8 | 212,290 | 57 | 384,792 |
| 29 | Doral Financial Corp. San Juan, Puerto Rico | 52.4 | 50.8 | 2,966,116 | 50.3 | 5,661,463 |
| 30 | NewAlliance Bancshares Inc. New Haven, Conn. | 52 | 50.4 | 1,967,095 | 20.5 | 3,783,313 |
| 31 | First Financial Holdings Renton, Wash. | 51.8 | 55.3 | 344,107 | 40.2 | 663,750 |
| 32 | Camco Financial Corp. Cambridge, Ohio | 51.7 | 55.8 | 435,497 | -8.8 | 841,555 |
| 33 | First Star Bancorp Inc. Bethlehem, Pa. | 51.6 | 58.1 | 124,934 | -9.9 | 242,059 |
| 34 | Privee LLC Miami | 51.1 | 29.1 | 257,141 | 451.5 | 467,535 |
| 35 | Peoplesbancorp Holyoke, Mass. | 50.3 | 49 | 504,646 | 24.2 | 1,004,186 |
| 36 | Great Lakes Bancorp Inc. Buffalo | 50.2 | 57.6 | 250,033 | 9.1 | 498,396 |
| 37 | NVE Bancorp Englewood, N.J. | 50 | 49.2 | 128,529 | 2.7 | 257,199 |
| 38 | First Litchfield Financial Corp. Conn. | 49.2 | 50 | 138,991 | 12.6 | 282,549 |
| 39 | Wauwatosa Holdings Inc.Wis. | 48.5 | NA | 658,219 | NA | 1,357,644 |
| 40 | Republic Bancorp Inc. Louisville | 48.4 | 47.3 | 1,072,017 | 14.3 | 2,213,775 |
| 41 | FirstBank Holding Co. Lakewood, Colo. | 48.1 | 56.6 | 1,297,447 | 7.5 | 2,695,690 |
| 42 | Assabet Valley Bancorp Hudson, Mass. | 47.9 | 48.5 | 232,847 | 1 | 486,589 |
| 43 | Benjamin Franklin Bancorp Inc. Franklin, Mass. | 47.8 | 51.4 | 306,769 | -2 | 641,603 |
| 44 | Citizens and Northern Corp. Wellsboro, Pa. | 47.1 | 47.7 | 318,444 | 3.4 | 676,443 |
| 45 | Columbia Financial Corp. Bloomsburg, Pa. | 47 | 46.7 | 66,937 | -0.3 | 137,879 |
| 46 | First Connecticut Bancorp Inc. Farmington | 46.4 | NA | 270,229 | NA | 582,288 |
| 47 | Bar Harbor Bankshares Maine | 46.3 | 47.3 | 253,529 | 8.5 | 547,487 |
| First Bancshares Inc. Whiting, Ind. | 46.3 | 46.8 | 497,573 | 10.5 | 1,074,678 | |
| 49 | UFS Bancorp Whitinsville, Mass. | 46.2 | 47.5 | 157,985 | 4.7 | 341,631 |
| 50 | Republic Bancorp Inc. Owosso, Mich. | 46.1 | 45.9 | 2,202,886 | 2.6 | 4,773,889 |
| 51 | Rockville Financial MHC Inc. Vernon Rockville, Conn. | 45.9 | 52.2 | 472,284 | 9.7 | 1,029,081 |
| 52 | Rockhold Bancorp Kirksville, Mo. | 45.8 | 46.2 | 108,703 | 3.4 | 237,291 |
| 53 | NorthWest Indiana Bancorp Munster | 45.3 | 46.7 | 213,981 | 1.7 | 472,511 |
| 54 | 1st Independence Financial Group Inc. Harrodsburg, Ky. | 44.90 | 48.40 | 123,879 | -5.50 | 275,626 |
| 55 | First State Financial Corp. Eastpointe, Mich. | 44.7 | 40.4 | 202,848 | 11 | 454,018 |
| 56 | BankFive Fall River, Mass. | 44.6 | 47.4 | 203,627 | 0.7 | 456,696 |
| 57 | Provident Financial Services Inc. Jersey City, N.J. | 44.5 | 48.8 | 1,672,018 | -6.9 | 3,757,736 |
| Palm Bancorp Palmerton, Pa. | 44.5 | 46 | 127,833 | 4.1 | 287,381 | |
| 59 | Fina Bancorp, Inc. Valparaiso, Ind. | 44.4 | 43 | 102,252 | 11.7 | 230,443 |
| 60 | First McMinnville Corp. Tenn. | 43.8 | 44.2 | 72,036 | 14.7 | 164,382 |
| Salem Five Bancorp Mass. | 43.8 | NA | 672,717 | NA | 1,535,731 | |
| 62 | North Fork Bancorp. Inc. Melville, N.Y. | 43.6 | 51.2 | 17,841,990 | -6.8 | 40,931,528 |
| 63 | ICNB Financial Corp. Ionia, Mich. | 43 | 41.8 | 79,776 | 5.8 | 185,340 |
| 64 | Citizens Financial Services Inc. Mansfield, Pa. | 42.8 | 45 | 176,272 | 4.2 | 411,610 |
| 65 | ACNB Corp. Gettysburg, Pa. | 42.7 | 47.1 | 226,166 | 0.4 | 529,428 |
| 66 | City Holding Co. Charleston, W.Va. | 42.3 | 39.3 | 717,485 | 12.5 | 1,491,308 |
| Mid Illinois Bancorp Inc. Peoria | 42.3 | 41.8 | 138,498 | 4.6 | 327,831 | |
| 68 | Penseco Financial Services Corp. Scranton, Pa. | 41.6 | 38.5 | 147,428 | 25 | 354,308 |
| Cambridge Bancorp Mass. | 41.6 | 42.9 | 146,409 | 6.4 | 352,405 | |
| 70 | Town Financial Corp. Hartford City, Ind. | 41.2 | 39.4 | 78,935 | 9 | 191,787 |
| 71 | Webster Financial Corp. Waterbury, Conn. | 41.1 | 43.6 | 5,480,468 | 1.1 | 13,330,859 |
| Boiling Springs Rutherford, N.J. | 41.1 | 42.2 | 334,161 | 11.6 | 813,362 | |
| 73 | Peoples Community Bancorp Inc. West Chester, Ohio | 41 | 23.9 | 356,462 | 108 | 870,041 |
| 74 | First National Lincoln Corp. Damariscotta, Maine | 40.9 | 37.8 | 339,160 | 21.5 | 828,539 |
| Community Bancshares Inc. McArthur, Ohio | 40.9 | 41.5 | 174,154 | 0.8 | 425,915 | |
| 76 | HSBC North America Holdings Inc. Prospect Heights, Ill. | 40.4 | 43.4 | 112,925,898 | 5.4 | 235,392,166 |
| Androscoggin Bancorp Lewiston, Maine | 40.4 | 39.4 | 181,186 | 16.7 | 447,199 | |
| 78 | Central Bancorp Inc. Somerville, Mass. | 40.3 | 38.5 | 175,132 | 9.9 | 434,700 |
| 79 | Washington Trust Bancorp Inc. Westerly, R.I. | 40.2 | 40.8 | 575,312 | 0.8 | 1,431,397 |
| 80 | Horizon Bancorp Michigan City, Ind. | 40.1 | 36 | 335,107 | 29.6 | 831,284 |
| 81 | South Shore Bancorp South Weymouth, Mass. | 40 | 35.3 | 224,873 | 22.4 | 562,592 |
| 82 | B.P.C. Corp. Cookeville, Tenn. | 39.5 | 40.7 | 102,574 | 11.6 | 259,679 |
| 83 | Merchants Bancshares Inc. South Burlington, Vt. | 39.4 | 40.8 | 267,834 | 10.8 | 679,272 |
| 84 | Mainline Bancorp Inc. Ebensburg, Pa. | 39.3 | 39.8 | 49,697 | 13.8 | 126,446 |
| 85 | Ameriana Bancorp New Castle, Ind. | 39.2 | 34.8 | 98,196 | 33.2 | 250,792 |
| 86 | Independent Southern Bancshares Inc. Brownsville, Tenn. | 39.1 | 45.9 | 151,372 | -16.5 | 387,447 |
| 87 | Citizens Bancorp Investment Inc. Lafayette, Tenn. | 39 | 40.2 | 79,010 | -2.3 | 202,398 |
| Meridian Financial Services Inc. East Boston, Mass. | 39 | 41.8 | 207,333 | 2.8 | 531,109 | |
| 89 | Tolleson Wealth Management Inc. Dallas | 38.9 | 39.4 | 53,331 | 3.4 | 136,968 |
| 90 | Premier Financial Bancorp Inc. Huntington, W.Va. | 38.6 | 37.9 | 133,635 | 6.2 | 346,037 |
| 91 | Berkshire Bancorp Inc. New York | 38.2 | 48.5 | 134,808 | -1.2 | 353,167 |
| First of Long Island Corp. Glen Head, N.Y. | 38.2 | 42 | 167,084 | 8.1 | 437,775 | |
| 93 | MainSource Financial Group Inc. Greensburg, Ind. | 38 | 23.3 | 600,342 | 162.9 | 1,580,421 |
| First Farmers and Merchants Corp. Columbia, Tenn. | 38 | 37.5 | 183,121 | 6.8 | 447,719 | |
| 95 | Santander BanCorp San Juan, Puerto Rico | 37.9 | 48.5 | 2,533,637 | -15.9 | 6,689,005 |
| 96 | Ohio Valley Banc Corp. Gallipolis, Ohio | 37.8 | 38 | 237,803 | 2.9 | 628,811 |
| Norway Bancorp Maine | 37.8 | 35.7 | 246,019 | 17.3 | 650,892 | |
| Community Bank System Inc. De Witt, N.Y. | 37.8 | 36.7 | 1,005,170 | 13.6 | 2,661,693 | |
| 99 | Center Bancorp Inc. Union, N.J. | 37.7 | 40.2 | 202,430 | 0.2 | 537,350 |
| 100 | Northway Financial Inc. Berlin, N.H. | 37.6 | 33.6 | 173,613 | 11.8 | 461,366 |
| 101 | Highlands Bankshares Inc. Petersburg, W.Va. | 37.5 | 38.5 | 106,234 | 7.8 | 283,317 |
| 102 | KNBT Bancorp Inc. Bethlehem, Pa. | 37.4 | 34.7 | 595,371 | 17 | 1,575,695 |
| 103 | Camden National Corp. Maine | 37.2 | 31 | 463,199 | 28.4 | 1,217,370 |
| First State Bancshares Inc. Farmington, Mo. | 37.2 | 38.7 | 200,916 | 5.5 | 540,109 | |
| 105 | Citizens Bancshares of Batesville Inc. Ark. | 36.9 | 38.7 | 118,161 | 1.9 | 310,135 |
| Penns Woods Bancorp Inc. Williamsport, Pa. | 36.9 | 38 | 133,405 | 5.1 | 361,302 | |
Note: *First-mortgage loans as a percentage of total loans.
Source:
<font size="2">SNL Financial</font>
, Charlottesville, Va.© 2007 American Banker