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Bank Holding Companies with Highest Concentration in Home Equity Loans

March 08, 2005, 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
On Sept. 30, 2005. Dollars in thousands
Published March 8, 2006
    Concentration* Home equity loans Domestic loans
and leases
Rank   Sept. 30 Year earlier Sept. 30 Change
1 Five Flags Bank Inc. Pensacola, Fla. 39.65% 54.97% $10,228 -38.98% $25,795
2 First American Bank Corp. Elk Grove Village, Ill. 34.56 35.29 618,288 7.11 1,789,030
3 Edville Bankcorp Inc. Villa Park, Ill. 29.18 20.05 64,700 47.59 221,694
4 First Horizon National Corp. Memphis 26.21 30.44 6,388,956 3.4 24,372,744
5 Fremont Bancorp. Calif. 26 33.79 363,915 -16.88 1,399,918
6 Edison Bancshares Inc. Fort Myers, Fla. 22.71 NA 24,607 NA 108,368
7 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 22.25 21.51 77,301 40.89 347,394
8 Paramount Bancorp Inc. Farmington Hills, Mich. 21.45 24.63 51,455 9.1 239,872
9 Cornerstone Bancorp Inc. Palatine, Ill. 21.38 27.46 47,108 -3.64 220,355
10 TriCo Bancshares Chico, Calif. 20.57 18.09 273,130 34.04 1,328,090
11 Bridge Bancorp Inc. Bridgehampton, N.Y. 19.71 19.13 59,939 8.61 304,157
12 Hampden Bancorp Springfield, Mass. 19.66 20.39 54,814 3.81 278,781
13 Somerset Hills Bancorp Bernardsville, N.J. 19.29 22.59 32,657 10.25 169,285
14 National City Corp. Cleveland 18.71 16.06 22,528,388 30.07 120,390,315
15 First Evanston Bancorp Inc. Ill. 18.66 19.16 59,326 -0.43 317,901
16 Herget Financial Corp. Pekin, Ill. 18.48 6.51 16,404 231.26 88,760
17 Delhi Bank Corp. N.Y. 18.43 16.52 11,616 6.53 63,035
18 Columbiana Bancshares Inc. Ala. 18.41 14.25 19,484 8.4 105,845
19 AmSouth Bancorp. Birmingham, Ala. 18.21 18.67 6,338,467 3.64 34,805,943
20 South Coastal Holdings Rockland, Mass. 18.1 16.51 32,269 10.71 178,246
21 Heritage Community Bancorp. Riverdale, Ill. 17.7 23.77 43,031 -9.6 243,118
22 City Holding Co. Charleston, W.Va. 17.6 22.04 285,431 -3.6 1,621,854
23 Western Springs Bancorp Inc. Hoffman Estates, Ill. 17.27 19.89 29,157 3.26 168,808
24 NVE Bancorp MHC Englewood, N.J. 17.17 18.47 43,635 -6.56 254,137
25 First Charter Corp. Charlotte 16.92 18.96 497,039 7.88 2,937,453
26 Cambridge Bancorp Mass. 16.77 18.6 53,726 -1.74 320,422
27 Carrollton Bancorp Baltimore 16.62 18.65 42,613 4.16 256,441
28 Commonwealth Bancshares Inc. Louisville, Ky. 16.53 16.85 74,773 3 452,452
29 Wells Fargo & Co. San Francisco 16.53 18.2 55,754,000 -2.51 337,380,000
30 1st State Bancorp Inc. Burlington, N.C. 16.09 15.72 38,114 2.43 236,886
31 Oak Park River Forest Bankshares Inc. Oak Park, Ill. 15.93 19.92 37,419 10.61 234,961
32 Bank of St. Petersburg Holdings Inc. Tampa 15.77 NA 40,165 NA 254,613
33 Provident Bankshares Corp. Baltimore 15.68 11.2 576,198 45.88 3,675,273
34 RCB Corp. Sacramento 15.41 13.32 69,406 15.82 450,306
35 Northern Michigan Corp. Escanaba, Mich. 15.29 15.56 20,535 0.54 134,304
36 Citizens Financial Group Inc. Providence, R.I. 15.17 6.44 14,846,926 169.62 97,898,181
37 First Indiana Corp. Indianapolis 15.07 19.23 238,937 -24.46 1,585,434
38 Countrywide Financial Corp. Calabasas, Calif. 14.98 17.49 15,431,193 58.19 103,020,836
39 Resource Bancshares Inc. DeKalb, Ill. 14.98 16.07 24,021 5.51 160,368
40 Heartland Bancshares Inc. Franklin, Ind. 14.95 14.98 19,312 3.61 129,159
41 F.N.B.C. of La Grange Inc. Ill. 14.86 14.08 42,399 11.74 285,345
42 West Tennessee Bancshares Inc. Bartlett 14.83 15.77 38,066 13.67 256,753
43 TCF Financial Corp. Wayzata, Minn. 14.81 14.91 1,512,512 7.59 10,211,707
44 Associated Community Bancorp Inc. Greenwich, Conn. 14.69 17.36 35,603 -3.93 242,319
45 First Citizens BancShares Inc. Raleigh 14.69 18.61 1,375,145 -19.25 9,359,540
46 First Business Bancorp Co. Chicago 14.68 16.04 14,207 -3.36 96,785
47 Huntington Bancshares Inc. Columbus, Ohio 14.54 15.47 3,626,110 2.9 24,935,459
48 Palos Bancshares Inc. Palos Heights, Ill. 14.41 14.68 32,726 2.52 227,054
49 LSB Bancshares Inc. Lexington, N.C. 14.4 12.76 109,888 22.65 763,211
50 Elmwood Financial Corp. Racine, Wis. 14.35 18.09 32,385 -0.18 225,670
51 Sturgis Bancorp Inc. Mich. 14.27 14.75 34,274 0.45 240,177
52 Community Financial Shares Inc. Glen Ellyn, Ill. 14.24 17.53 25,741 -9.15 180,704
53 Illinois Valley Bancorp Inc. Morris 14.23 15.22 19,097 17.32 134,167
54 Ogle County Bancshares Inc. Rochelle, Ill. 14.06 14.92 13,487 14.5 95,948
55 Foster Bankshares Inc. Chicago 13.93 16.19 49,691 10.11 356,765
56 Cambank Inc. Lake Zurich, Ill. 13.93 14.48 28,382 -7.35 203,785
57 Alliance Bankshares Corp. Chantilly, Va. 13.73 15.39 39,749 24.49 289,496
58 First Citizens Bancorp. Inc. Columbia, S.C. 13.69 13.93 495,574 15.44 3,620,862
59 Columbia BancorpMd. 13.68 18.37 143,286 -16.89 1,047,657
60 Unizan Financial Corp. Canton, Ohio 13.66 13.38 239,074 -6.11 1,749,811
61 Lake Elmo Bancshares Inc. Minn. 13.64 13.68 24,975 -0.16 183,102
62 Republic Bancorp Inc. Louisville 13.6 15.06 269,574 2.63 1,981,644
63 NC Bancorp Inc. Chicago 13.52 15.16 23,206 2.53 171,680
64 Honor Bancorp Inc. Honor, Mich. 13.5 11.24 19,946 22.29 147,711
65 Financial Services of St. Croix Falls Inc. Wis. 13.49 12.49 20,731 -5.36 153,690
66 Fifth Third Bancorp Cincinnati 13.42 13.64 9,392,617 17.76 69,988,882
67 Citizens Bancorp Inc. Newport, Ky. 13.42 12.9 19,924 8.68 148,515
68 Hasten Bancshares Inc. Indianapolis 13.38 10.99 106,803 19.95 798,187
69 Benchmark Bancorp Inc. Aurora, Ill. 13.33 12.6 15,573 -1.21 116,800
70 Citrus and Chemical Bancorp. Inc. Bartow, Fla. 13.32 14.97 51,773 1.6 388,684
71 FSB Bancorp MHC Farmington, Maine 13.3 10.91 32,907 35.06 247,456
72 Norway Bancorp Maine 13.27 13.78 78,071 9.46 588,204
73 Community Bank Corp. Park Ridge, Ill. 13.26 13.3 19,341 8.15 145,886
74 Hilltop Community Bancorp Inc. Summit, N.J. 13.25 NA 11,273 NA 85,107
75 RBC Centura Banks Inc. Rocky Mount, N.C. 13.21 12.92 1,644,775 0.67 12,453,098
76 JPMorgan Chase & Co. New York 13.17 10.77 53,964,000 28.13 409,784,000
77 Citizens Bancshares of Hutchinson Inc. Minn. 13.11 12.42 13,346 17.29 101,782
78 Bank of Hawaii Corp. Honolulu 13.07 14.3 732,706 -2.33 5,605,930
79 S&C Banco Inc. New Richmond, Wis. 13.02 10.73 39,572 34.51 303,900
80 TD Banknorth Inc. Portland, Maine 13 12.9 2,609,273 9.25 20,077,866
81 Peoples Bancorp of North Carolina Inc. Newton 12.96 11.06 73,204 20.32 564,641
82 KeyCorp Cleveland 12.94 14.99 8,783,493 -8.24 67,867,470
83 United Bankshares Inc. Charleston, W.Va. 12.9 13.06 593,939 6.5 4,605,232
84 Tampa Banking Co. 12.89 12.36 62,922 14.69 488,154
85 F and M Financial Corp. Granite Quarry, N.C. 12.81 14.78 50,404 4.39 393,556
86 First Volunteer Corp. Chattanooga, Tenn. 12.76 12.81 47,350 9.2 371,075
87 Webster Financial Corp. Waterbury, Conn. 12.75 13.66 1,586,404 -0.64 12,446,730
88 First Co. Powell, Wyo. 12.73 12.94 19,492 2.98 153,178
89 Macon Bancorp Franklin, N.C. 12.72 11.26 91,119 38.48 716,406
90 MidCarolina Financial Corp. Burlington, N.C. 12.69 15.79 34,927 2.82 275,127
91 First Oak Brook Bancshares Inc. Oak Brook, Ill. 12.69 14.56 160,815 7.4 1,267,367
92 Stillman Banccorp Inc. Stillman Valley, Ill. 12.65 12.89 19,406 -2.48 153,447
93 Sandy Spring Bancorp Inc. Olney, Md. 12.62 11.32 202,568 30.15 1,604,961
94 First Litchfield Financial Corp. Conn. 12.59 14.89 31,084 -0.87 246,939
95 First Eagle Bancshares Inc. Hanover Park, Ill. 12.57 12.71 27,579 12.35 219,481
96 Northwest Suburban Bancorp Inc. Mount Prospect, Ill. 12.56 12.9 46,314 6.75 368,715
97 Alpine Banks of Colorado Glenwood Springs 12.56 12.12 141,703 9.31 1,128,239
98 Capac Bancorp. Inc. Mich. 12.52 11.65 17,859 15.06 142,628
99 Central Bancshares Inc. Golden Valley, Minn. 12.48 12.64 38,037 18.12 304,895
100 Camden National Corp. Maine 12.47 12.77 145,119 8.92 1,163,524
101 Camco Financial Corp. Cambridge, Ohio 12.46 11.51 106,624 3.25 855,995
102 First Bancorp. of Durango Inc. Inverness, Ill. 12.43 11.46 25,681 7.46 206,685
103 Salisbury Bancorp Inc. Lakeville, Conn. 12.35 11.96 25,981 6.25 210,288
104 New Mexico Banquest Corp. Santa Fe 12.35 12.55 40,461 7.23 327,595
105 Annapolis Bancorp Inc. Md. 12.34 14.49 24,652 -14.38 199,829
106 Mid-State Bancshares Arroyo Grande, Calif. 12.32 10.07 185,761 31.29 1,508,095
107 Devon Bancorp Inc. Chicago 12.27 13.18 25,048 6.71 204,175
108 People's Mutual Holdings Bridgeport, Conn. 12.23 10.98 1,023,907 22.89 8,369,506
109 Bay National Corp. Lutherville, Md. 12.23 NA 22,836 NA 186,753
110 Great Lakes Financial Resources Inc. Matteson, Ill. 12.17 13.38 53,110 0.22 436,445
111 Sterling Financial Group Rochester, Minn. 12.15 16.15 23,747 -27.84 195,425
112 Southern Heritage Bancshares Inc. Cleveland, Tenn. 12.12 11.86 17,621 19.91 145,328
113 Villages Bancorp. Inc. The Villages, Fla. 12.12 12.93 34,228 21.51 282,314
114 CNB Community Bancorp Inc. Hillsdale, Mich. 12.05 NA 25,693 NA 213,233
115 Uwharrie Capital Corp. Albemarle, N.C. 12.02 10.2 32,072 19.35 266,895
116 Anchor Bancorp Inc. Wayzata, Minn. 11.95 9.33 93,777 40.86 784,483
117 Sonoma Valley Bancorp Sonoma, Calif. 11.94 11.38 19,362 15.8 162,131
118 PNC Financial Services Group Inc. Pittsburgh 11.94 11.64 6,164,485 23.57 51,647,704
119 Leesport Financial Corp. Wyomissing, Pa. 11.91 12.84 76,974 49.28 646,140
120 Greenville First Bancshares Inc. S.C. 11.9 12.15 38,579 18.56 324,312
121 Century Bancorp Inc. Medford, Mass. 11.76 11.91 77,682 14.35 660,390
122 Wintrust Financial Corp. Lake Forest, Ill. 11.75 13.37 620,120 12.72 5,275,379
123 Pinnacle Bankshares Corp. Altavista, Va. 11.75 12.72 21,452 6.46 182,530
124 Washington Trust Bancorp Inc. Westerly, R.I. 11.71 12.1 163,727 11.92 1,398,353
125 Irwin Financial Corp. Columbus, Ind. 11.7 18.81 621,744 -20.41 5,313,484
126 Pinnacle Financial Partners Inc. Nashville 11.69 10.41 71,403 55.87 610,588
127 Hawaii National Bancshares Inc. Honolulu 11.67 11.1 30,582 -1.6 262,113
128 Citizens Banking Corp. Flint, Mich. 11.66 10.8 652,978 13.64 5,599,163
129 First National Financial Services Inc. Elk River, Minn. 11.6 10.31 20,682 -16.02 178,325
130 Klein Financial Inc. Chaska, Minn. 11.55 11.52 95,225 16.62 824,528
131 First National Lincoln Corp. Damariscotta, Maine 11.52 13.54 85,205 36.39 739,637
132 Harris Financial Corp. Wilmington, Del. 11.51 11.32 2,978,160 18.87 25,878,239
133 FNB Financial Services Corp. Greensboro, N.C. 11.48 11.24 89,028 22.55 775,369
134 LDF Inc. Chicago 11.44 13.57 38,605 25.62 337,397
135 Financial Institutions Inc. Warsaw, N.Y. 11.39 8.73 115,726 4.57 1,015,834
136 Citizens Bancorp Grass Valley, Calif. 11.37 10.38 22,031 51.41 193,765
137 Heritage Bancorp Reno, Nev. 11.36 12.96 20,838 13.42 183,439
138 LNB Bancorp Inc. Lorain, Ohio 11.33 11.01 67,742 8.65 598,149
139 FirstMerit Corp. Akron 11.31 10.34 763,395 13.48 6,749,668
140 Northfield Bancshares Inc. Minn. 11.3 11.3 17,303 14.97 153,080
141 Queenstown Bancorp of Maryland Inc. 11.15 10.79 31,485 19.11 282,277
142 Faribault Bancshares Inc. Minn. 11.15 11.46 11,061 -0.29 99,218
143 National Bank of Indianapolis Corp. 11.14 13.52 75,351 -12.29 676,690
144 Pinnacle Bancshares Inc. Jasper, Ala. 11.1 9.98 12,083 15.75 108,814
145 Marquette National Corp. Chicago 11.09 9.7 91,188 27.01 821,989
146 HeritageBanc Inc. Frankfort, Ill. 11.07 13.49 24,107 3.6 217,753
147 A. E. Bancorp Inc. Buffalo Grove, Ill. 11.07 12.37 21,671 -3.28 195,763
148 Harleysville National Corp. Pa. 11.07 13.16 214,964 -7.91 1,941,866
149 First of Long Island Corp. Glen Head, N.Y. 11.05 11 40,691 6.48 368,329
150 NATCOM Bancshares Inc. Superior, Wis. 11.04 9.77 28,821 17.05 261,054


*Home equity loans outstanding as a percentage of total loans.
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)
© 2006 American Banker