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Bank Holding Companies with Highest Concentration in Home Equity Loans

November 25, 2003, 10:08 a.m. EST 1 Min Read
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Bank Holding Companies with Highest Concentration in Home Equity Loans

Bank Holding Companies with Highest Concentration in Home Equity Loans
As of June 30, 2003. Dollars in thousands
Published November 25, 2003
Related Table: Biggest Increases Among Leaders in Home Equity Concentration
Rank   Concentration* Home equity loans Domestic loans and leases
June 2003 Year earlier June 2003 Vs. year earlier
1 Five Flags Banks Inc. Pensacola, Fla. 56.18% 60.59% $17,013 -13.55% $30,272
2 First American Bank Corp. Elk Grove Village, Ill. 31.87 25.99 457,113 27.91 1,434,131
3 Heritage Community Bancorp Riverdale, Ill. 29.68 34.88 50,485 -8.45 170,120
4 Cornerstone Bancorp Inc. Palatine, Ill. 27.22 .NA 28,646 .NA 105,161
5 Fremont Bancorp. Calif. 21.90 23.05 287,675 24.16 1,312,420
6 Western Springs Bancorp Inc. Hoffman Estates, Ill. 21.23 24.67 27,212 -8.55 128,178
7 City Holding Co. Cross Lanes, W.Va. 20.41 12.39 244,403 62.21 1,197,256
8 First Evanston Bancorp Inc. Ill. 19.46 17.09 52,283 29.42 268,680
9 Edville Bankcorp Inc. Villa Park, Ill. 19.28 17.69 33,278 28.86 172,625
10 Carrollton Bancorp Baltimore 19.00 20.61 37,911 -15.66 199,551
11 Franklin Resources Inc. San Mateo, Calif. 18.94 2.24 71,042 617.60 363,163
12 Community Financial Shares Glen Ellyn, Ill. 18.88 16.62 26,800 11.43 141,891
  First and Ocean Bancorp Newburyport, Mass. 18.88 16.75 36,346 24.20 192,542
14 NC Bancorp Inc. Chicago 18.83 .NA 21,639 .NA 114,893
15 First Citizens Bancshares Raleigh 18.66 15.81 1,466,454 24.73 7,857,220
16 Commonwealth Bancshares Inc. Louisville 18.25 10.49 75,388 78.86 413,163
17 Falmouth Bancorp Inc. Mass. 17.85 .NA 15,131 .NA 84,773
18 Somerset Hills Bancorp Bernardsville, N.J. 17.47 .NA 22,376 .NA 127,745
19 First Indiana Corp. Indianapolis 17.37 15.45 330,609 18.19 1,903,850
20 First Northwest Bancorp Inc. Arlington Heights, Ill. 17.30 14.98 26,153 21.76 151,189
21 AmSouth Bancorp. Birmingham, Ala. 17.07 14.48 4,822,384 28.70 28,253,901
22 Alliance Bankshares Corp. Chantilly, Va. 16.76 .NA 21,855 .NA 130,385
23 Bridge Bancorp Inc. Bridgehampton, N.Y. 16.74 16.85 43,986 12.17 262,724
24 First Tennessee National Corp Memphis 16.73 13.79 3,114,944 76.56 18,618,917
25 First Charter Corp. Charlotte 16.48 12.71 347,716 28.65 2,109,769
26 TriCo Bancshares Chico, Calif. 16.36 14.20 139,398 46.08 852,290
27 Foster Bankshares Inc. Chicago 16.26 12.97 34,730 33.52 213,600
28 Elmwood Financial Corp. Racine, Wis. 15.93 11.64 24,769 32.96 155,446
29 Northview Financial Corp. Northfield, Ill. 15.81 14.73 38,547 -1.60 243,760
30 A. E. Bancorp Buffalo Grove, Ill. 15.58 .NA 22,651 .NA 145,416
31 Citrus and Chemical Bancorp Bartow, Fla. 15.46 11.71 47,058 45.88 304,434
32 Executive Banking Corp. Miami 15.45 13.28 15,351 -3.41 99,139
33 Patriot National Bancorp Stamford, Conn. 15.29 20.65 28,473 -1.50 186,226
34 First Oak Brook Bancshares Ill. 15.04 12.28 133,158 13.87 885,219
35 Associated Community Bancorp Greenwich, Conn. 15.03 17.06 28,328 34.63 188,457
36 F&M Financial Corp. Granite Quarry, N.C. 14.75 14.46 42,394 12.02 286,923
37 NVE Bancorp MHC Englewood, N.J. 14.69 8.38 40,257 51.02 273,979
38 Center Bancorp Inc. Union, N.J. 14.52 5.16 38,954 232.00 268,260
39 Columbia Bancorp Columbia, Md. 14.41 10.93 111,629 51.82 774,276
40 MidCarolina Financial Corp. Burlington, N.C. 14.38 .NA 24,351 .NA 169,344
41 Monmouth Community Bancorp Long Branch, N.J. 14.31 0.00 13,071 .NA 91,333
42 Huntington Bancshares Inc. Columbus, Ohio 14.30 11.60 2,832,121 23.25 19,799,526
43 South Coastal Holdings Rockland, Mass. 14.20 7.74 14,865 128.55 104,711
  KeyCorp Cleveland 14.20 11.93 8,976,296 17.75 62,007,576
45 Devon Bancorp Inc. Chicago 14.19 11.88 23,216 13.59 163,514
46 Paramount Bancorp Inc. Farmington Hills, Mich. 14.05 .NA 21,996 .NA 156,553
47 New Mexico Banquest Corp. Santa Fe 13.84 10.63 32,508 43.77 234,082
48 Wintrust Financial Corp. Lake Forest, Ill. 13.79 13.26 416,967 30.22 3,015,248
49 Fidelity BancsharesFuquay-Varina 13.40 12.41 99,614 13.48 743,223
50 Provident Financial Group Cincinnati 13.35 5.85 1,247,536 101.47 9,344,498
51 Cardinal Financial Corp. McLean, Va. 13.32 12.29 35,231 42.85 264,432
52 Palos Bancshares Inc. Palos Heights, Ill. 13.25 11.72 26,542 29.85 200,286
  Illinois State Bancorp Inc. Wheaton 13.25 .NA 17,268 .NA 130,360
54 Cambank Inc. Lake Zurich, Ill. 13.23 9.71 21,464 54.91 161,902
55 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 13.13 .NA 22,749 .NA 173,085
56 Fifth Third Bancorp Cincinnati 13.07 10.80 6,876,993 42.50 52,604,163
57 Alpine Banks of Colorado Glenwood Springs 12.94 11.08 106,702 40.16 822,999
58 Irwin Financial Corp. Columbus, Ind. 12.84 15.32 605,708 26.97 4,562,239
59 Banknorth Group Inc. Portland, Maine 12.80 10.28 2,031,439 50.29 15,866,086
60 Great Lakes Financial Resources Inc. Matteson, Ill. 12.77 13.93 46,707 4.38 365,459
61 National Bank of Indianapolis Corp. 12.76 11.27 72,319 33.10 566,670
62 Citizens Bancshares Hutchinson, Minn. 12.74 .NA 10,415 .NA 81,765
  Southern Community Financial Corp. Winston-Salem, N.C. 12.74 11.55 60,008 29.33 471,146
64 BWC Financial Corp. Walnut Creek, Calif. 12.63 16.83 44,917 -3.58 353,911
65 Villages Bancorp. Inc. Lady Lake, Fla. 12.49 8.01 19,245 70.02 154,027
66 F.N.B.C. of La Grange Inc. Ill. 12.47 11.98 30,722 19.25 246,440
67 Northern Michigan Corp. Escanaba 12.40 .NA 14,506 .NA 116,870
68 Harleysville National Corp. Pa. 12.39 6.92 165,557 77.69 1,335,919
69 Greenville First Bancshares S.C. 12.36 .NA 21,743 .NA 175,898
70 First Citizens Bancorp. Columbia, S.C. 12.35 12.05 334,134 21.33 2,704,690
71 Community Bancorp Inc. Hudson, Mass. 12.33 13.53 27,417 4.16 222,329
72 Republic Bancorp Inc. Louisville 12.32 11.42 178,606 32.29 1,449,320
73 Heritagebanc Inc. Chicago Heights, Ill. 12.30 11.85 16,097 22.77 130,890
74 Citizens Bancorp Inc. Newport, Ky. 12.24 .NA 15,264 .NA 124,733
75 Commerce Bancorp Inc. Cherry Hill, N.J. 12.23 8.18 794,171 82.47 6,493,024
76 CNLbancshares Inc. Orlando 12.15 .NA $18,833 .NA $154,463
77 Shore Financial Corp. Onley, Va. 12.10 .NA 15,566 .NA 128,641
78 Tampa Banking Co. 12.09 0.09 46,259 0.48 382,598
79 First of Long Island Corp. Glen Head, N.Y. 12.07 11.04 33,301 21.98 275,111
80 Taylor Capital Group Inc. Wheeling, Ill. 11.95 10.74 227,656 17.69 1,905,862
81 First Litchfield Financial Corp. Conn. 11.87 9.86 21,837 15.93 183,910
82 Lake Elmo Bancshares Inc. Minn. 11.81 8.88 18,062 38.16 152,875
83 Eagle Bancorp Inc. Bethesda, Md. 11.67 12.83 30,999 14.68 196,045
  Charter One Financial Inc. Cleveland 11.67 9.80 3,027,054 24.66 25,936,677
85 National Commerce Financial Corp. Memphis 11.63 9.05 1,506,468 32.78 12,949,075
86 HPK Financial Corp. Chicago 11.59 10.16 12,849 14.88 110,597
  First National Lincoln Corp. Damariscotta, Maine 11.59 6.08 42,784 115.25 369,077
88 Northwest Suburban Bancorp Mount Prospect, Ill. 11.57 10.97 30,759 30.50 265,765
89 Washington Trust Bancorp Westerly, R.I. 11.56 9.01 96,404 43.63 834,006
90 Crescent Financial Corp. Cary, N.C. 11.48 .NA 16,233 .NA 141,109
91 TCF Financial Corp. Wayzata, Minn. 11.42 9.95 993,436 17.66 8,696,359
92 Union National Financial Corp. Mount Joy, Pa. 11.39 5.37 22,453 108.90 197,038
93 Ambanc Financial Services Beaver Dam, Wis. 11.36 .NA 10,765 .NA 90,986
94 Pinnacle Bankshares Corp. Altavista, Va. 11.34 7.77 16,478 60.93 145,186
95 Hawaii National Bancshares Honolulu 11.33 11.39 29,631 7.85 260,425
96 RCB Corp. Sacramento 11.32 6.99 35,012 64.69 309,325
  Sterling Financial Group Inc. Rochester, Minn. 11.32 6.74 27,344 67.88 241,661
98 Resource Bancshares Inc. De Kalb, Ill. 11.18 4.71 15,632 152.01 139,750
99 Lincolnwood Bancorp Inc. Ill. 11.14 10.12 16,406 7.57 147,296
100 First Business Bancorp Chicago 11.13 .NA 10,162 .NA 91,311
101 Metro Bank Financial Services Miami 11.11 10.31 16,577 13.01 148,938
102 Bancshares of Florida Inc. Naples 11.03 .NA 16,235 .NA 147,134
  High Country Financial Corp. Boone, N.C. 11.03 .NA 16,276 .NA 147,319
104 Heartland Bancshares Inc. Franklin, Ind. 11.01 9.59 14,402 13.91 130,780
105 Columbiana Bancshares Inc. Ala. 10.99 9.67 15,074 15.44 137,100
106 West Tennessee Bancshares Bartlett 10.97 6.48 24,653 70.20 199,494
107 Ogle County Bancshares Inc. Rochelle, Ill. 10.88 4.23 7,844 148.54 72,089
108 Community Bank Corp. Park Ridge, Ill. 10.86 11.00 12,718 18.16 117,019
109 FNB Financial Services Corp. Reidsville, N.C. 10.79 9.30 61,452 21.56 569,380
110 Annapolis Bancorp Inc. Md. 10.77 7.08 16,697 73.37 155,008
111 Lakeland Bancorp Inc. Oak Ridge, N.J. 10.76 7.82 79,283 49.79 736,940
112 Highland Bancshares Inc. Bloomington, Minn. 10.73 8.02 20,832 38.63 194,108
113 United Bankshares Inc. Charleston, W.Va. 10.70 9.06 434,666 23.77 4,064,074
114 Sutton Bancshares Inc. Attica, Ohio 10.67 9.23 16,320 10.91 152,954
115 Shore Bancshares Inc. Easton, Md. 10.64 8.73 48,708 29.76 457,308
116 Republic Bancshares Inc. St. Petersburg, Fla. 10.63 7.99 172,628 48.63 1,623,238
117 Unizan Financial Corp. Canton, Ohio 10.62 9.27 206,803 16.28 1,946,076
118 Macon Bancorp Franklin, N.C. 10.61 8.00 48,682 46.04 455,574
119 Bank of Hawaii Corp. Honolulu 10.58 7.23 588,955 48.46 4,958,513
120 F&M Financial Corp. Clarksville, Tenn. 10.55 8.50 35,428 45.45 335,809
121 Cummins-American Corp. Glenview, Ill. 10.50 10.49 42,734 -9.29 406,652
122 New Lenox Holding Co. Ill. 10.43 6.02 56,932 100.58 545,288
123 Camden National Corp. Maine 10.41 7.86 93,913 58.19 899,973
124 Capital Bancorp Inc. Nashville 10.31 8.92 20,221 38.91 195,826
125 American Chartered Bancorp Schaumburg, Ill. 10.30 9.34 92,982 54.09 902,240
126 First Security Group Inc. Chattanooga, Tenn. 10.29 9.32 44,910 62.48 436,174
127 Fentura Bancorp Inc. Fenton, Mich. 10.28 9.07 24,345 22.86 236,910
  LNB Bancorp Inc. Lorain, Ohio 10.28 8.70 54,219 24.80 527,223
  Valley Financial Corp. Roanoke, Va. 10.28 10.26 20,842 18.78 202,642
130 Wells Fargo & Co. San Francisco 10.20 8.02 28,683,000 66.37 277,898,000
131 First Suburban Bancorp Corp. Maywood, Ill. 10.17 7.48 10,319 42.47 101,424
132 First Eagle Bancshares Inc. Hanover Park, Ill. 10.15 11.24 15,116 -4.09 148,364
133 Central Bancshares Inc. Golden Valley, Minn. 10.12 10.58 21,767 30.24 215,069
  McLeod Bancshares Inc. Shorewood, Minn. 10.12 8.53 14,859 35.67 146,891
135 Greer Bancshares Inc. S.C. 10.10 8.27 10,874 19.42 107,671
136 Sturgis Bancorp Inc. Mich. 10.09 7.89 21,757 28.64 215,676
137 LSB Bancshares Inc. Lexington, N.C. 10.01 9.61 67,489 16.06 674,391
138 Norway Bancorp MHC Norway, Maine 10.00 7.49 44,037 45.34 440,252
139 KS Bancorp Kenly, N.C. 9.90 9.71 15,318 2.65 154,767
140 First Bancorp of Durango Colo. 9.87 8.99 17,381 26.18 175,802
141 Itasca Bancorp Inc. Ill. 9.85 9.59 23,906 6.50 242,724
  Farmers and Merchants Financial Services St. Paul 9.85 8.08 29,239 33.93 296,930
143 West Suburban Bancorp Inc. Lombard, Ill. 9.84 9.81 110,174 0.26 1,119,292
  Community Bank Shares of Indiana New Albany 9.84 10.59 36,393 13.08 369,972
145 PNC Financial Services Group Pittsburgh 9.79 7.65 3,532,621 14.80 34,914,251
  Factory Point Bancorp Inc. Manchester Center, Vt. 9.79 9.33 18,063 12.06 184,557
147 Provident Bancorp Amesbury, Mass. 9.78 8.05 13,790 37.69 141,021
148 Alliance Bancorp New England Vernon, Conn. 9.69 9.82 27,517 7.91 284,085
  Evans Bancorp Inc. Angola, N.Y. 9.69 7.98 16,437 37.77 169,628
150 Plymouth Bancorp Inc. Wareham, Mass. 9.64 8.13 73,843 35.89 765,897

* Percent of gross domestic loans and leases. List of bank holding companies was derived from consolidated Y-9C reports filed with the Federal Reserve at the highest reporting level.

Source: Sheshunoff Information Services, a division of Thomson Corp.


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