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
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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. OFallon, 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