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Bank Holding Companies with Highest Concentration in Home Equity Loans

May 12, 2005, 10:08 a.m. EDT 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 Dec. 31, 2004. Dollars in thousands
May 12, 2005
Related Table: Biggest Increases from Year Earlier
    Concentration* Home equity loans  
    2004 2003 2004 Change Domestic
loans, leases
1 Cardinal Financial Corp. McLean, Va. 50.05% 13.66% $428,088 832.41% $855,350
2 Five Flags Banks Inc. Pensacola, Fla. 48.1 54.62 13,438 -19.68 27,926
3 First American Bank Corp. Elk Grove Village, Ill. 35.32 34.61 603,710 22.16 1,709,295
4 First Horizon National Corp. Memphis 28.53 24.18 6,161,196 50.18 21,597,927
5 Fremont Bancorp. Calif. 27.49 27.79 325,332 0.48 1,181,799
6 Cornerstone Bancorp Inc. Palatine, Ill. 25.87 26.95 51,211 42.07 197,733
7 Paramount Bancorp Inc. Farmington Hills, Mich. 24.17 21.05 50,248 60.6 207,861
8 Heritage Community Bancorp Riverdale, Ill. 23.14 27.32 48,105 2.16 207,929
9 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 22.36 17.25 61,086 75.43 273,154
10 City Holding Co. Charleston, W.Va. 21.92 21.16 296,884 8.58 1,354,616
11 Somerset Hills Bancorp Bernardsville, N.J. 21.43 22.49 30,699 19.65 143,001
12 First Northwest Bancorp Inc. Arlington Heights, Ill. 21.19 20.53 38,571 20.81 181,998
13 First Indiana Corp. Indianapolis 20.75 18.97 311,316 -9.56 1,500,190
14 Hampden Bancorp MHC Springfield, Mass. 19.92 NA 53,211 NA 267,060
15 First Evanston Bancorp Inc. Ill. 19.35 18.82 60,994 17.41 315,204
16 TriCo Bancshares Chico, Calif. 19.19 15.61 225,129 46.94 1,172,967
17 Bridge Bancorp Inc. Bridgehampton, N.Y. 19.14 17.98 56,680 15.39 296,134
18 First Charter Corp. Charlotte 19.11 17.42 467,153 18.76 2,444,726
19 Cambridge Bancorp Cambridge, Mass. 18.99 18.98 55,602 1.81 292,789
20 AmSouth Bancorp. Birmingham, Ala. 18.9 17.7 6,221,571 19.27 32,913,899
21 Wells Fargo & Co. San Francisco 18.8 13.14 61,282,000 61 321,305,000
22 Edville Bankcorp Inc. Villa Park, Ill. 18.37 20.54 41,791 8.48 227,470
23 Valley Commerce Bancorp Ltd. Phoenix 18.34 18.39 16,881 0.36 92,033
24 Oak Park River Forest Bankshares Oak Park, Ill. 18.29 NA 34,311 NA 186,940
25 First Citizens Bancshares Raleigh, N.C. 18.26 19.13 1,708,247 7.24 9,354,387
26 NVE Bancorp MHC Englewood, N.J. 18.18 15.84 46,108 9.59 253,588
27 Western Springs Bancorp Inc. Hoffman Estates, Ill. 18.07 21.6 26,842 -4.54 148,565
28 Carrollton Bancorp Baltimore 17.8 18.81 40,935 7.97 229,946
29 Elmwood Financial Corp. Racine, Wis. 17.76 17.13 34,225 24.37 192,680
30 Commonwealth Bancshares Inc. Louisville 17.4 16.83 74,461 9.85 428,011
31 Community Financial Shares Glen Ellyn, Ill. 17.33 19.03 28,849 0.58 166,424
32 Columbia Bancorp Md. 17.32 16.6 166,079 18.86 958,868
33 Delhi Bank Corp. N.Y. 17.3 NA 11,004 NA 63,612
34 Associated Community Bancorp Greenwich, Conn. 17.24 16.22 38,687 15.98 223,967
35 National City Corp. Cleveland 16.82 11.59 18,943,859 72.64 112,295,739
36 Northern Michigan Corp. Escanaba, Mich. 16.67 13.85 21,354 26.8 128,070
37 South Coastal Holdings MHC Rockland, Mass. 16.43 18.51 29,357 25.49 178,631
38 Sterling Financial Group Inc. Rochester, Minn. 16.42 14.18 33,031 12.41 201,175
39 Illinois Valley Bancorp Inc. Morris 16.37 NA 18,337 NA 112,002
40 Bay National Corp. Lutherville, Md. 16.31 NA 24,630 NA 151,027
41 Resource Bancshares Inc. De Kalb, Ill. 16.09 13.44 23,316 26.22 144,852
42 Columbiana Bancshares Inc. Ala. 16.08 11.53 18,701 10.68 116,302
43 Alliance Bankshares Corp. Chantilly, Va. 15.84 20.76 37,052 35.44 233,949
44 First Business Bancorp Chicago 15.7 12.99 13,940 22.27 88,792
45 West Tennessee Bancshares Bartlett 15.57 13.73 35,649 27 228,887
46 Midcarolina Financial Corp. Burlington, N.C. 15.54 15.89 34,715 18.8 223,339
  TCF Financial Corp. Wayzata, Minn. 15.54 12.8 1,488,125 33.55 9,574,869
48 Plymouth Bancorp Inc. Wareham, Mass. 15.52 13.32 108,874 27.99 701,381
49 Foster Bankshares Inc. Chicago 15.51 16.36 44,620 19.85 287,614
50 First Community Bancorp Inc. Pahokee, Fla. 15.47 NA 14,952 NA 96,552
51 Huntington Bancshares Inc. Columbus, Ohio 15.33 14.46 3,645,233 18.39 23,772,844
52 Heartland Bancshares Inc. Franklin, Ind. 15.31 14.02 19,181 18.3 125,268
53 Bank of St. Petersburg Tampa 14.96 NA 23,256 NA 154,130
54 NC Bancorp Inc. Chicago 14.9 16.39 23,873 23.43 160,205
55 Citrus and Chemical Bancorp. Bartow, Fla. 14.83 15.64 51,879 1.3 349,885
56 Republic Bancorp Inc. Louisville, Ky. 14.8 13.48 267,231 24.24 1,805,584
57 Palos Bancshares Inc. Palos Heights, Ill. 14.65 14.3 32,200 12.72 219,728
58 Sturgis Bancorp Inc. Mich. 14.59 12.65 34,877 25.79 239,112
59 RCB Corp. Sacramento, Calif. 14.53 12.73 64,975 51.69 447,122
60 First Litchfield Financial Corp. Conn. 14.48 12.15 31,618 35.42 218,421
  Ogle County Bancshares Inc. Rochelle, Ill. 14.48 13.78 12,160 26.27 83,961
62 Countrywide Financial Corp. Calabasas, Calif. 14.45 23.43 11,129,885 -5.96 77,033,342
63 Monmouth Community Bancorp Long Branch, N.J. 14.28 12.97 20,186 32.85 141,335
64 First Oak Brook Bancshares Ill. 14.25 15.37 152,743 8.5 1,071,655
65 First Citizens Bancorp Inc. Columbia, S.C. 14.02 12.44 438,000 19.76 3,124,197
66 F.N.B.C. of La Grange Inc. Ill. 14.01 12.53 38,578 21.25 275,339
67 Norway Bancorp MHC Maine 13.99 11.75 75,472 40.95 539,256
  Benchmark Bancorp Inc. Aurora, Ill. 13.99 12.97 17,436 16.11 124,463
69 F&M Financial Corp. Granite Quarry, N.C. 13.96 15.19 47,888 9.87 342,274
70 KeyCorp Cleveland 13.92 14.49 9,531,588 4.89 67,080,616
71 Lake Elmo Bancshares Inc. Minn. 13.9 11.28 26,046 35.88 187,327
72 First Eagle Bancshares Inc. Hanover Park, Ill. 13.78 9.11 28,496 101.93 206,322
73 LSB Bancshares Inc. Lexington, N.C. 13.75 10.87 97,923 35.83 712,185
74 Villages Bancorp. Inc. Lady Lake, Fla. 13.74 13.02 31,113 36.95 226,454
75 Irwin Financial Corp. Columbus, Ind. 13.69 15.56 594,246 -5.56 4,109,906
76 Annapolis Bancorp Inc. Md. 13.67 12.05 27,890 37.11 204,128
77 Fifth Third Bancorp Cincinnati 13.64 12.52 8,235,140 21.43 60,366,961
78 Heritage Financial Holding Co. Decatur, Ala. 13.62 8.97 56,773 61.57 416,871
  Cambank Inc. Lake Zurich, Ill. 13.62 13.98 29,726 11.31 217,776
80 Webster Financial Corp Waterbury, Conn. 13.59 NA 1,611,711 NA 11,861,666
  First National Lincoln Corp. Damariscotta, Maine 13.59 13 65,021 25.08 478,320
82 Unizan Financial Corp. Canton, Ohio 13.57 11.64 254,330 10.82 1,874,393
83 Central Bancshares Inc. Golden Valley, Minn. 13.55 11.22 35,403 42.95 261,317
84 New Mexico Banquest Corp. Santa Fe 13.54 13.79 39,823 14.65 294,020
85 Northwest Suburban Bancorp Mount Prospect, Ill. 13.47 12.78 48,051 29.86 356,734
86 First Volunteer Corp. Chattanooga, Tenn. 13.33 11.66 47,033 24.38 352,830
87 Citizens Bancorp Inc. Newport, Ky. 13.31 12.81 19,087 14.66 143,437
88 Devon Bancorp Inc. Chicago 13.28 14.59 25,637 6.67 192,975
89 Great Lakes Financial Resource Inc. Matteson, Ill. 13.26 12.28 54,068 16.05 407,862
90 Camden National Corp. Maine 13.22 11 141,696 32.9 1,069,294
91 First Co. Powell, Wyo. 13.16 10.56 19,245 29.75 146,242
92 Financial Services of St. Croix St. Croix Falls, Wis. 13.08 NA 23,030 NA 176,010
93 National Bank of Indianapolis Corp. 13.07 12.1 85,778 18.71 656,453
94 Heritagebanc Inc. Chicago Heights, Ill. 13.03 13.03 24,201 18.71 185,675
95 United Bankshares Inc. Charleston, W.Va. 13.02 11.5 575,843 17.11 4,422,257
96 Community Bank Corp. Park Ridge, Ill. 13 12.31 18,051 22.57 138,721
  Stillman Bancorp Inc. Stillman Valley, Ill. 13 11.53 19,597 13.91 150,436
98 Banknorth Group Inc. Portland, Maine 12.99 12.96 2,429,556 13.99 18,702,719
99 Pinnacle Bankshares Corp. Altavista, Va. 12.93 11.91 20,744 16.47 160,348
100 Bank of Hawaii Corp. Honolulu 12.9 11.72 776,231 14.51 5,417,069
101 LDF Inc. Chicago 12.87 NA 27,526 NA 213,541
102 Harleysville National Corp. Pa. 12.8 13.37 236,309 25.46 1,845,803
103 People's Community Bancshares Sarasota, Fla. 12.77 NA 21,284 NA 166,468
104 Citizens Bancshares Hutchinson, Minn. 12.76 12.18 11,658 12.86 91,370
105 Wintrust Financial Corp. Lake Forest, Ill. 12.75 13.77 573,932 23.86 4,484,902
106 First Bancorp. of Durango Inverness, Ill. 12.68 11.04 26,381 32.52 207,558
107 Honor Bancorp Inc. Mich. 12.65 9.66 18,221 40.95 143,868
108 Greenville First Bancshares S.C. 12.63 11.66 35,400 45.44 280,347
109 Center Bancorp Inc. Union, N.J. 12.61 14.14 47,592 -3.68 377,304
110 Riggs National Corp. Washington 12.49 8.23 374,942 41.24 2,973,892
111 Provident Bankshares Corp. Baltimore 12.42 9.75 442,729 62.8 3,565,680
112 Capac Bancorp Inc. Mich. 12.4 10 16,438 30.46 132,616
  Heritage Bancorp Reno 12.4 NA 19,526 NA 157,072
114 Washington Trust Bancorp Westerly, R.I. 12.39 12.09 155,001 33.1 1,250,771
115 Patriot National Bancorp Stamford, Conn. 12.31 12.35 32,922 22.65 267,356
116 Crescent Financial Corp. Cary, N.C. 12.27 10.97 31,652 32.91 257,461
117 Illinois State Bancorp Inc. Wheaton 12.26 13.58 20,608 7.52 168,080
118 Salisbury Bancorp Inc. Lakeville, Conn. 12.25 7.08 25,099 150.46 204,865
119 Peoples Bancorp of North Carolina Newton 12.24 9.97 66,013 19.84 539,251
120 Highland Bancshares Inc. St. Michael, Minn. 12.21 11.74 29,937 19.23 245,277
121 The Leaders Group Inc. Oak Brook, Ill. 12.15 NA 24,592 NA 202,392
122 Camco Financial Corp. Cambridge, Ohio 12.12 NA 101,547 NA 836,992
123 Century Bancorp Inc. Medford, Mass. 12.05 9.63 69,956 41.66 580,003
  Southern Heritage Bancshares Cleveland, Tenn. 12.05 NA 15,260 NA 126,609
125 Faribault Bancshares Inc. Minn. 11.92 NA 11,830 NA 99,265
126 Metro Bank Financial Services Miami 11.91 11.96 18,456 4.6 154,513
127 McLeod Bancshares Inc. Shorewood, Minn. 11.89 11.33 21,904 29.07 184,293
128 First National Financial Services Inc. Elk River, Minn. 11.89 8.97 24,044 -0.62 202,283
129 Union National Financial Corp Mount Joy, Pa. 11.86 11.72 31,220 18.02 263,232
130 Hasten Bancshares Indianapolis 11.83 9.11 93,381 25.95 789,658
131 Leesport Financial Corp. Wyomissing, Pa. 11.78 12.78 71,431 55.85 606,127
132 S&C Banco Inc. New Richmond, Wis. 11.77 6.39 33,316 113.77 283,133
133 Klein Financial Inc. Chaska, Minn. 11.74 8.99 87,069 41.04 720,179
134 Sandy Spring Bancorp Inc. Olney, Md. 11.71 9.62 171,181 52.64 1,461,736
135 Fidelity Bancshares Fuquay-Varina, N.C. 11.69 12.91 90,899 -5.91 777,295
136 Tampa Banking Co. 11.68 11.61 53,939 9.35 461,876
137 Jacksonville Bancorp Inc. Fla. 11.66 13.45 22,165 7.96 189,980
138 Executive Banking Corp. Miami 11.64 14.61 13,756 -8.65 117,779
139 Sonoma Valley Bancorp Sonoma, Calif. 11.6 10.21 17,825 42.1 153,161
140 Northfield Bancshares Inc. Minn. 11.59 7.69 16,361 92.73 141,143
141 West Coast Bancorp Lake Oswego, Ore. 11.56 11.12 165,320 21.31 1,430,700
142 FSB Bancorp MHC Farmington, Maine 11.52 10.06 26,699 24.4 231,427
143 Macon Bancorp Franklin, N.C. 11.51 10.51 69,723 30.32 602,946
144 A. E. Bancorp Buffalo Grove, Ill. 11.47 14.26 21,418 -9.93 185,575
145 People's Mutual Holdings Bridgeport, Conn. 11.45 7.55 910,410 46.24 7,925,232
146 West Suburban Bancorp Inc. Lombard, Ill. 11.44 10.11 120,915 9.9 1,056,506
147 First of Long Island Corp. Glen Head, N.Y. 11.38 10.64 39,033 13.59 342,437
148 PNC Financial Services Group Pittsburgh 11.36 10.28 5,136,808 40.52 43,962,969
149 Citizens Banking Corp. Flint, Mich. 11.33 9.66 614,425 20.29 5,421,421
150 Southern Community Financial Corp. Winston-Salem, N.C. 11.29 12.72 89,919 36.01 796,103
  First Security Group Inc. Chattanooga, Tenn. 11.29 10.47 67,761 35.3 588,978


Source: Highline Banking Data Services (877-305-6657)
*Home equity loans outstanding as a percentage of total loans.
© 2005 American Banker