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Bank Holding Companies with Highest Concentration in Home Equity Loans

December 15, 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 June 30, 2005. Dollars in Tousands
Published December 15, 2005
Related Table: Biggest Increases from Year Earlier
Rank   Concentration* Home equity loans Domestic loans & leases
June 30, 2005 Year earlier June 30, 2005 Change
1 Cardinal Financial Corp. McLean, Va. 51.64% 0.14 $556,885 887.49% $1,078,355
2 Five Flags Banks Inc. Pensacola, Fla. 43.81 55.51 11,426 -28.51 26,068
3 First American Bank Corp. Elk Grove Village, Ill. 34.17 34.00 614,413 14.35 1,798,208
4 Fremont Bancorp. Calif. 28.04 32.16 399,257 3.17 1,423,332
5 First Horizon National Corp. Memphis 27.13 27.38 6,573,877 28.07 24,226,823
6 Cornerstone Bancorp Inc. Palatine, Ill. 24.27 27.91 52,081 13.02 214,364
7 Edison Bancshares Inc. Fort Myers, Fla. 23.53 NA 24,294 NA 103,264
8 Paramount Bancorp Inc. Farmington Hills, Mich. 22.28 24.92 52,020 23.87 233,461
9 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 22.14 19.93 71,814 51.74 324,306
10 Countrywide Financial Corp. Calabasas, Calif. 20.61 25.57 19,114,319 39.70 92,740,337
11 First Evanston Bancorp Inc. Evanston, Ill. 20.49 17.63 63,801 18.23 311,311
12 Heritage Community Bancorp Riverdale, Ill. 20.15 24.39 45,100 -1.66 223,783
13 TriCo Bancshares Chico, Calif. 20.11 16.73 251,361 39.30 1,250,053
14 Hampden Bancorp MHC Springfield, Mass. 19.93 20.03 53,958 7.79 270,679
15 Somerset Hills Bancorp Bernardsville, N.J. 19.90 21.10 30,861 11.70 154,837
16 Bridge Bancorp Inc. Bridgehampton, N.Y. 19.59 18.94 59,312 8.74 302,838
17 AmSouth Bancorp. Birmingham, Ala. 18.72 18.72 6,341,607 7.12 33,868,443
18 Delhi Bank Corp. N.Y. 18.39 NA 11,395 NA 61,949
19 Carrollton Bancorp Baltimore 18.36 18.85 44,485 9.43 242,271
20 National City Corp. Cleveland 18.30 14.24 21,633,722 56.60 117,890,997
21 City Holding Co. Charleston, W.Va. 18.17 21.66 290,889 -0.55 1,600,943
22 Western Springs Bancorp Inc. Hoffman Estates, Ill. 18.09 19.59 29,013 5.51 160,396
23 Wells Fargo and Co. San Francisco 18.06 15.92 60,353,000 19.49 329,007,000
24 Columbiana Bancshares Inc. Ala. 18.00 13.65 19,391 9.50 107,737
25 Edville Bankcorp Inc. Villa Park, Ill. 17.90 21.45 40,669 -8.03 227,180
26 NVE Bancorp MHC Englewood, N.J. 17.89 17.23 45,113 2.47 252,169
27 First Charter Corp. Charlotte 17.54 18.90 502,768 12.02 2,866,318
28 South Coastal Holdings MHC Rockland, Mass. 17.49 16.79 31,792 13.20 181,740
29 First Indiana Corp. Indianapolis 17.34 19.06 263,929 -18.78 1,521,710
30 Commonwealth Bancshares Inc. Louisville, Ky. 17.29 17.05 77,101 10.33 445,872
31 Bank of St. Petersburg Holdings Tampa 17.25 NA 37,176 NA 215,252
32 Cambridge Bancorp Mass. 16.93 18.34 51,091 -4.43 301,751
33 Oak Park River Forest Bankshares Oak Park, Ill. 16.61 19.74 37,851 16.29 226,937
34 Northern Michigan Corp. Escanaba 16.32 14.39 20,768 14.42 127,221
35 Resource Bancshares Inc. DeKalb, Ill. 16.29 14.84 24,256 14.78 148,875
36 Associated Community Bancorp Greenwich, Conn. 16.27 16.06 38,982 19.77 238,959
37 Herget Financial Corp. Pekin, Ill. 16.07 4.46 13,730 276.06 85,432
38 RCB Corp. Sacramento, Calif. 15.67 13.00 69,909 31.00 446,224
39 Heartland Bancshares Inc. Franklin, Ind. 15.52 14.71 20,547 18.40 132,359
40 Palos Bancshares Inc. Palos Heights, Ill. 15.50 14.34 34,759 16.64 224,228
41 Elmwood Financial Corp. Racine, Wis. 15.45 18.48 32,856 7.94 212,670
42 TCF Financial Corp. Wayzata, Minn. 15.36 13.85 1,536,454 19.91 10,005,856
43 West Tennessee Bancshares Bartlett 15.24 14.28 38,211 31.38 250,742
44 Illinois Valley Bancorp Inc. Morris 15.12 14.64 19,260 25.95 127,341
45 F.N.B.C. of La Grange Inc. Ill. 15.09 13.37 42,314 19.57 280,415
46 First Citizens Bancshares Raleigh 15.00 18.76 1,395,121 -17.24 9,300,984
47 First Business Bancorp Chicago 14.95 15.19 13,687 -0.28 91,555
48 Columbia Bancorp Md. 14.92 17.90 155,129 -4.56 1,039,787
49 Foster Bankshares Inc. Chicago 14.91 15.51 48,758 15.63 326,911
50 Alliance Bankshares Corp. Chantilly, Va. 14.87 17.59 41,140 31.29 276,547
51 Community Financial Shares Glen Ellyn, Ill. 14.81 17.40 26,512 -5.12 179,010
52 Huntington Bancshares Inc. Columbus, Ohio 14.72 15.24 3,672,472 9.10 24,952,221
53 Ogle County Bancshares Inc. Rochelle, Ill. 14.69 15.34 13,363 12.13 90,995
54 First Citizens Bancorp Inc. Columbia, S.C. 14.42 13.81 476,803 13.11 3,305,629
55 Sturgis Bancorp Inc. Mich. 14.38 13.59 34,191 7.86 237,685
56 Bay National Corp. Lutherville, Md. 14.37 NA 25,065 NA 174,285
57 Provident Bankshares Corp. Baltimore 14.31 9.89 519,298 48.88 3,628,669
58 Lake Elmo Bancshares Inc. Minn. 14.28 12.42 27,056 23.25 189,533
59 NC Bancorp Inc. Chicago 14.19 15.72 22,795 6.72 160,692
LSB Bancshares Inc. Lexington, N.C. 14.19 11.86 108,890 33.46 767,281
61 Citrus and Chemical Bancorp. Bartow, Fla. 14.09 15.25 52,609 5.15 373,300
62 MidCarolina Financial Corp. Burlington, N.C. 14.06 15.69 36,853 15.15 262,151
63 Cambank Inc. Lake Zurich, Ill. 13.90 14.78 29,569 -3.57 212,354
Norway Bancorp MHC Norway, Maine 13.90 13.45 78,437 15.25 564,219
65 Republic Bancorp Inc. Louisville, Ky. 13.81 14.91 270,221 6.80 1,956,751
66 Unizan Financial Corp. Canton, Ohio 13.77 12.64 245,581 -0.90 1,783,708
67 Sterling Financial Group Inc. Rochester, Minn. 13.75 15.76 26,075 -19.65 189,531
68 Honor Bancorp Inc. Mich. 13.57 11.34 20,066 30.44 147,653
69 Citizens Bancorp Inc. Newport, Ky. 13.52 12.42 20,230 14.94 149,599
70 Fifth Third Bancorp Cincinnati 13.47 13.19 9,037,054 19.66 67,078,607
71 KeyCorp Cleveland 13.45 14.77 9,141,541 -3.29 66,771,016
72 Sonoma Valley Bancorp Sonoma, Calif. 13.37 11.18 21,577 35.62 160,940
73 Webster Financial Corp Waterbury, Conn. 13.30 13.69 1,603,804 2.36 12,057,543
First Volunteer Corp. Chattanooga, Tenn. 13.30 12.73 49,160 15.94 369,583
Financial Services of St. Croix St. Croix Falls, Wis. 13.30 13.92 22,747 2.98 171,092
76 S&C Banco Inc. New Richmond, Wis. 13.27 9.34 39,565 61.83 298,241
77 Peoples Bancorp of North Carolina Newton 13.26 10.56 73,518 26.66 554,461
78 Northwest Suburban Bancorp Mount Prospect, Ill. 13.21 13.20 48,658 13.43 368,310
Capac Bancorp Inc. Capac, Mich. 13.21 10.69 18,326 30.18 138,716
80 United Bankshares Inc. Charleston, W.Va. 13.18 11.79 596,452 11.52 4,525,809
81 Central Bancshares Inc. Golden Valley, Minn. 13.08 11.56 38,256 33.16 292,582
First Co. Powell, Wyo. 13.08 12.39 19,888 8.95 152,035
83 First Bancorp of Durango Inverness, Ill. 13.02 11.95 27,371 13.97 209,700
84 Stillman Bancorp Inc. Stillman Valley, Ill. 13.00 12.01 19,129 3.17 146,875
85 First Oak Brook Bancshares Oak Brook, Ill. 12.99 14.77 159,338 8.29 1,226,813
Macon Bancorp Franklin, N.C. 12.99 10.97 86,225 38.45 660,756
87 Salisbury Bancorp Inc. Lakeville, Conn. 12.94 8.11 27,081 129.62 209,280
Hasten Bancshares Indianapolis 12.94 10.43 105,000 25.42 811,531
Camden National Corp. Maine 12.94 12.47 146,683 16.15 1,130,483
90 Devon Bancorp Inc. Chicago 12.91 14.47 25,536 0.79 197,599
91 First Litchfield Financial Corp. Conn. 12.89 13.26 31,117 17.39 241,497
92 Tampa Banking Co. 12.86 12.04 60,460 13.99 469,985
93 Great Lakes Financial Resource Inc. Matteson, Ill. 12.84 13.33 54,421 3.79 423,594
94 Benchmark Bancorp Inc. Aurora, Ill. 12.79 12.19 15,824 5.01 123,621
95 Community Bank Corp. Park Ridge, Ill. 12.76 12.32 18,106 13.79 141,774
96 F&M Financial Corp. Granite Quarry, N.C. 12.71 14.94 48,658 3.96 381,967
97 First Eagle Bancshares Inc. Hanover Park, Ill. 12.67 13.33 27,322 13.52 215,148
98 Sandy Spring Bancorp Inc. Olney, Md. 12.65 11.03 194,508 37.71 1,537,833
99 Camco Financial Corp. Cambridge, Ohio 12.51 NA 105,857 NA 845,302
100 FSB Bancorp MHC Farmington, Maine 12.50 10.60 30,280 30.38 241,894
101 Annapolis Bancorp Inc. Md. 12.48 13.86 26,195 -1.65 209,944
102 Villages Bancorp. Inc. Lady Lake, Fla. 12.47 13.01 32,862 26.90 263,454
103 Citizens Bancshares Hutchinson, Minn. 12.45 12.61 12,250 9.69 98,407
104 Pinnacle Bankshares Corp. Altavista, Va. 12.38 12.62 20,876 7.24 168,425
105 Irwin Financial Corp. Columbus, Ind. 12.35 14.85 631,891 -3.28 4,868,696
106 Wintrust Financial Corp. Lake Forest, Ill. 12.27 12.86 637,277 29.53 5,195,097
107 Pinnacle Financial Partners Nashville, Tenn. 12.23 9.49 68,947 101.56 562,966
108 Century Bancorp Inc. Medford, Mass. 12.20 11.45 80,022 27.69 655,373
109 Mid-State Bancshares Arroyo Grande, Calif. 12.16 9.10 182,515 50.91 1,501,237
110 New Mexico Banquest Corp. Santa Fe 12.13 13.20 38,875 0.97 320,448
Southern Heritage Bancshares Cleveland, Tenn. 12.13 NA 16,394 NA 135,190
112 Klein Financial Inc. Chaska, Minn. 12.07 10.59 97,671 30.83 808,330
113 Washington Trust Bancorp Westerly, R.I. 12.06 12.19 162,465 20.97 1,347,316
114 National Bank of Indianapolis Corp. 12.02 13.03 81,239 1.17 675,760
115 Greenville First Bancshares S.C. 11.95 12.41 37,202 21.03 311,220
116 Landmark Financial Holdings Co. Sarasota, Fla. 11.94 NA 20,022 NA 167,386
Harleysville National Corp. Pa. 11.94 13.34 225,839 0.58 1,891,692
118 First Security Group Inc. Chattanooga, Tenn. 11.93 12.12 74,520 22.83 623,986
119 Leesport Financial Corp. Wyomissing, Pa. 11.91 12.73 75,724 50.79 635,576
120 Queenstown Bancorp of Maryland 11.89 10.88 33,057 27.15 278,043
121 Uwharrie Capital Corp. Albemarle, N.C. 11.82 8.86 31,146 34.59 263,424
122 People’s Mutual Holdings Bridgeport, Conn. 11.81 10.02 981,013 33.48 8,272,899
First National Financial Services Inc. Elk River, Minn. 11.81 9.71 22,805 -6.03 193,164
124 Citizens Banking Corp. Flint, Mich. 11.80 10.58 655,270 16.32 5,553,001
125 Faribault Bancshares Inc. Minn. 11.77 11.35 11,684 9.46 99,293
126 First National Lincoln Corp. Damariscotta, Maine 11.72 13.27 84,230 43.11 718,788
127 LDF Inc. Chicago 11.68 13.23 32,176 2.66 275,167
128 JPMorgan Chase & Co. New York 11.63 9.92 51,608,000 130.19 404,279,000
129 A. E. Bancorp Buffalo Grove, Ill. 11.60 12.65 21,790 4.04 186,718
130 Grand Bank Corp. Marblehead, Mass. 11.53 8.98 16,827 37.09 145,885
131 Northfield Bancshares Inc. Minn. 11.52 10.93 16,968 21.76 147,332
132 Jacksonville Bancorp Inc. Fla. 11.51 12.09 24,329 20.27 211,187
133 Metro Bank Financial Services Miami 11.45 11.54 18,226 6.33 158,767
134 PNC Financial Services Group Pittsburgh 11.36 11.75 5,865,263 22.87 50,348,160
135 Oswego Bancshares Inc. Ill. 11.33 NA 4,445 NA 39,227
Heritage Bancorp Reno, Nev. 11.33 12.26 20,190 24.57 177,870
137 LNB Bancorp Inc. Lorain, Ohio 11.32 11.27 65,919 6.60 582,198
138 West Suburban Bancorp Inc. Lombard, Ill. 11.29 10.79 119,635 2.71 1,059,649
139 Crescent Financial Corp. Cary, N.C. 11.28 11.65 34,021 19.38 301,111
140 West Coast Bancorp Lake Oswego, Ore. 11.18 12.05 165,898 5.44 1,483,358
141 Bank of Hawaii Corp. Honolulu 11.17 12.39 690,692 -4.13 5,558,264
142 Executive Banking Corp. Miami 11.12 12.79 13,208 -6.28 118,426
United Financial Holdings Co. Lisle, Ill. 11.12 10.26 18,998 19.09 170,913
Fidelity BancsharesFuquay-Varina, N.C. 11.12 12.25 90,244 -4.54 810,921
First of Long Island Corp. Glen Head, N.Y. 11.12 10.84 40,393 10.16 362,925
146 Anchor Bancorp Inc. Wayzata, Minn. 11.11 8.66 86,705 45.42 780,526
Southern Community Financial Corp. Winston-Salem, N.C. 11.11 11.30 93,971 12.41 845,847
148 FirstMerit Corp. Akron 11.08 9.97 738,796 12.65 6,665,471
149 Alpine Banks of Colorado Glenwood Springs 11.06 12.47 123,943 -0.68 1,117,574
Heritagebanc Inc. Frankfort, Ill. 11.06 14.06 23,690 5.16 214,170

*Home equity loans outstanding as a percentage of total loans.

Source: Highline Banking Data Services (877-305-6657)
© 2005 American Banker