Bank Holding Companies with Highest Concentration in Home Equity Loans

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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 March 31, 2007
Published August 15, 2007
Related Table: Biggest Increases from Year Earlier
    Concentration* Home equity loans Domestic loans
& leases
    March 31 Year earlier March 31 Change
1 Evolve Financial Group Inc. Cordova, Tenn. 66.00% 2.80% $38,069 117.20% $57,653
2 First American Bank Corp. Elk Grove Village, Ill. 35.4 36.2 709,889 6 2,008,129
3 Harleysville National Corp. Pa. 31.4 32.6 647,936 -0.7 2,065,777
4 Irwin Financial Corp. Columbus, Ind. 29.3 32.8 1,600,610 -5.5 5,459,352
5 First Horizon National Corp. Memphis 26.7 29.3 6,717,182 -7.4 25,191,757
6 RCB Corp. Sacramento, Calif. 26.5 25.3 136,343 20 514,551
7 Harleysville Savings Financial Corp. Pa. 24.5 25.8 98,893 2.6 403,445
8 Fremont Bancorp. Calif. 24.1 28.6 395,345 -6.9 1,642,694
9 Alliance Bankshares Corp. Chantilly, Va. 23.2 19.6 90,845 34.3 392,186
10 Provident Bankshares Corp. Baltimore 22.7 22.5 886,734 5.9 3,902,091
11 Citizens Financial Group Inc. Providence, R.I. 22.6 20.6 24,419,443 13.9 107,954,529
12 Wells Fargo & Co. San Francisco 22.2 19.7 79,431,000 14.7 358,602,000
13 West Suburban Bancorp Inc. Lombard, Ill. 21.4 22 249,916 0.2 1,169,431
14 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 21.3 21 87,799 1.1 412,467
15 TriCo Bancshares Chico, Calif. 21.3 22.7 317,834 0.1 1,495,613
16 National City Corp. Cleveland 20.5 24.9 22,658,950 -20.1 110,271,145
17 Webster Financial Corp. Waterbury, Conn. 20.4 16.6 2,605,447 23 12,759,281
18 TCF Financial Corp. Wayzata, Minn. 20.2 19.8 2,347,351 9.7 11,626,067
19 Hampden Bancorp MHC Springfield, Mass. 19.4 19.7 61,198 3 314,727
20 Gorham Bancorp MHC Maine 19.3 NA 104,414 NM 539,677
21 Union National Financial Corp. Lancaster, Pa. 18.9 NA 66,655 NM 352,379
22 Huntington Bancshares Inc. Columbus, Ohio 18.8 19.9 4,995,844 -5 26,543,537
23 Bridge Bancorp Inc. Bridgehampton, N.Y. 18.4 19.4 61,849 5.8 336,263
24 Encore Bancshares Inc. Naples, Fla. 18.2 NA 178,136 NM 978,806
25 Sky Financial Group Inc. Bowling Green, Ohio 17.8 15.3 2,284,568 34.6 12,855,092
26 CIB Marine Bancshares Inc. Pewaukee, Wis. 17.7 3.5 105,392 509 595,357
27 Commonwealth Bancshares Inc. Louisville, Ky. 17.4 18.4 86,184 1.8 496,115
28 Bryn Mawr Bank Corp. Pa. 17.2 19.5 120,354 1.1 698,997
29 PNC Financial Services Group Inc. Pittsburgh 16.9 20 11,043,816 6.5 65,337,147
30 NVE Bancorp MHC Englewood, N.J. 16.6 18 41,152 -11.2 247,762
31 F.N.B.C. of La Grange Inc. Ill. 16.6 18.5 49,340 -6.5 297,273
32 JPMorgan Chase & Co. New York 16.4 13.8 77,427,000 21.5 473,144,000
33 Rockville Financial MHC Inc. Vernon Rockville, Conn. 16.1 14.6 170,118 25.3 1,056,072
34 Washington Trust Bancorp Inc. Westerly, R.I. 16.1 16.5 237,069 1.4 1,472,322
  S&C Banco Inc. New Richmond, Wis. 16.1 16.3 48,514 -2.7 301,304
36 NBT Bancorp Inc. Norwich, N.Y. 15.9 14.7 541,352 13.4 3,395,476
37 Leesport Financial Corp. Wyomissing, Pa. 15.9 18.3 123,438 -1.6 775,678
38 Commerce Bancorp Inc. Cherry Hill, N.J. 15.8 15.5 2,530,061 20.8 16,004,076
39 Sandy Spring Bancorp Inc. Olney, Md. 15.6 16.6 319,729 9.8 2,045,842
40 SunTrust Banks Inc. Atlanta 15.6 14.4 20,455,908 11.7 130,980,347
41 RBC Centura Banks Inc. Raleigh 15.5 14.9 2,468,023 29.7 15,873,003
42 Camco Financial Corp. Cambridge, Ohio 15.5 14.6 129,553 4.8 836,854
43 LSB Bancshares Inc. Lexington, N.C. 15.4 16.1 119,137 -1.8 772,848
44 Home Federal Bancorp Columbus, Ind. 15.2 15.2 106,554 12.6 702,705
  Norway Bancorp MHC Maine 15.2 14.9 102,882 13.3 678,547
46 OceanPoint Financial Partners MHC Newport, R.I. 15 12.2 98,052 34.8 652,709
  First of Long Island Corp. Glen Head, N.Y. 15 14.7 68,733 15.8 457,699
48 Fifth Third Bancorp Cincinnati 15 16.3 11,415,833 -3 76,202,482
49 Florida Bank Group Inc. Tampa 15 17.6 59,589 8.1 398,003
50 Bancorp Rhode Island Inc. Providence 15 14.9 150,714 5.6 1,007,448
51 Cambridge Bancorp Mass. 14.7 16.7 53,337 -5.1 363,220
52 MSB Mutual Holding Co. Manasquan, N.J. 14.7 14.3 61,909 7.9 422,531
  City Holding Co. Charleston, W.Va. 14.7 18.3 247,868 -16.6 1,691,712
54 LNB Bancorp Inc. Lorain, Ohio 14.6 13.6 91,847 14.4 627,921
55 Columbia Financial Corp. Bloomsburg, Pa. 14.6 9.4 23,419 80.1 160,799
56 KNBT Bancorp Inc. Bethlehem, Pa. 14.5 15.7 249,281 6.5 1,721,134
57 Independent Bank Corp. Rockland, Mass. 14.4 13 287,795 8.5 1,995,757
58 West Tennessee Bancshares Inc. Bartlett 14.4 15.1 46,483 10.6 323,439
59 Republic Bancorp Inc. Louisville, Ky. 14.3 15.4 331,336 1.7 2,322,035
60 Klein Financial Inc. Chaska, Minn. 14.1 14.8 121,133 -2.8 856,374
61 Fidelity D and D Bancorp Inc. Dunmore, Pa. 14.1 13.4 59,643 6.9 422,998
62 Bank of Hawaii Corp. Honolulu 14 14.2 914,899 2.4 6,526,390
63 FNB Financial Services Corp. Greensboro, N.C. 13.8 11.7 95,463 8.1 689,332
64 F and M Financial Corp. Granite Quarry, N.C. 13.8 13.3 63,244 7.3 457,314
65 Financial Institutions Inc. Warsaw, N.Y. 13.8 14.8 127,930 -10.5 930,328
66 Prosperity Banking Co. St. Augustine, Fla. 13.7 12.7 97,811 15 713,035
  National Bank of Indianapolis Corp. Indianapolis 13.7 12.7 102,248 19.1 745,445
68 Associated Banc-Corp Green Bay, Wis. 13.7 13.6 2,044,149 -3.7 14,948,306
69 First Citizens Bancorp. Inc. Columbia, S.C. 13.6 13.5 526,904 7.3 3,876,863
70 First Citizens BancShares Inc. Raleigh 13.5 14.6 1,384,986 -3.5 10,221,578
71 Alpine Banks of Colorado Glenwood Springs 13.5 16.6 199,611 -2.4 1,475,503
72 First Banking Center Inc. Burlington, Wis. 13.4 12.5 81,285 19.2 607,439
73 QNB Corp. Quakertown, Pa. 13.3 14.1 48,491 8.4 363,520
74 TD Banknorth Inc. Portland, Maine 13.3 14.2 3,550,138 -2.7 26,704,439
  Sun Bancorp Inc. Vineland, N.J. 13.3 12 320,926 20.3 2,414,494
76 First Indiana Corp. Indianapolis 13.30 16.90 222,538 -16.10 1,675,780
77 Florence Bancorp MHC Mass. 13.1 13 78,445 12.6 597,742
78 Penseco Financial Services Corp. Scranton, Pa. 13.1 12.6 48,961 18.3 374,472
79 Citizens Republic Bancorp Inc. Flint, Mich. 13 13.4 1,209,932 60.7 9,282,121
80 ABN AMRO North America Holding Co. Chicago 13 13.2 8,761,588 -5.1 67,322,026
81 Town and Country Financial Corp. Springfield, Ill. 13 14.6 32,831 -10 252,984
82 First Chester County Corp. West Chester, Pa. 12.9 14.6 90,656 -9.3 701,549
83 Harris Financial Corp. Wilmington, Del. 12.8 13.8 4,200,370 9.2 32,753,369
84 First Waterloo Bancshares Inc. Waterloo, Ill. 12.7 12.6 18,986 -3.1 149,364
85 Regions Financial Corp. Birmingham, Ala. 12.7 9.6 12,112,711 109 95,568,197
86 Anchor Bancorp Inc. Wayzata, Minn. 12.7 13.7 109,160 -2.4 862,304
87 Center Bancorp Inc. Union, N.J. 12.6 11.8 66,982 13.4 530,573
88 Northfield MHC Vt. 12.5 11.8 50,354 10.2 401,249
89 KeyCorp Cleveland 12.5 13.6 8,748,282 -9.1 69,886,330
90 Trinity Capital Corp. Los Alamos,NM 12.5 13 146,007 5.3 1,170,300
91 Tri City Bankshares Corp. Oak Creek, Wis. 12.5 12.2 66,268 8.2 531,169
92 First Mariner Bancorp Baltimore 12.4 10.7 113,611 11.4 914,324
93 Bremer Financial Corp. St. Paul 12.4 13.7 618,313 -3.9 4,977,652
94 First Charter Corp. Charlotte 12.4 16.4 439,695 -11 3,543,560
95 Princeton National Bancorp Inc. Princeton 12.4 8.6 81,335 64.9 658,325
96 NewAlliance Bancshares Inc. New Haven 12.2 14.7 551,221 5.2 4,502,063
  FirstMerit Corp. Akron 12.2 13.7 856,998 -7.1 7,000,119
98 Marquette National Corp. Chicago 12.2 11.6 121,608 21.8 998,184
99 Tampa Banking Co. Tampa 12.1 12.8 71,534 0.7 588,999
100 United Bankshares Inc. Charleston, W.Va. 12.1 13.6 572,287 -10.6 4,718,528
101 Palos Bancshares Inc. Palos Heights, Ill. 12.1 NA 38,131 NM 314,614
  Eagle Financial Services Inc. Berryville, Va. 12 12.2 46,186 5 384,392
103 Peoples Bancorp of North Carolina Inc. Newton 12 13.1 77,308 -0.6 644,992
104 Bank of America Corp. Charlotte 12 11.4 90,778,849 24.5 757,811,820
105 ACNB Corp. Gettysburg, Pa. 11.9 11.2 64,194 10.1 537,227
106 National Penn Bancshares Inc. Boyertown, Pa. 11.9 11.6 437,467 10.6 3,676,967
107 Southern Bancshares Inc. Mount Olive, N.C. 11.9 11.1 83,663 10.7 704,268
108 FSB Mutual Holdings Inc. Perkasie, Pa. 11.8 12.1 71,870 15.3 606,870
109 Pennsylvania Commerce Bancorp Inc. Harrisburg 11.8 13.8 126,011 3 1,066,370
110 Suffolk Bancorp Riverhead, N.Y. 11.8 11.8 106,473 -2.1 902,399
111 S.Y. Bancorp Inc. Louisville 11.8 12.8 136,115 -0.4 1,155,647
112 First Litchfield Financial Corp. Conn. 11.8 11.9 35,680 21.7 303,617
113 Macon Bancorp Franklin, N.C. 11.7 12.9 93,975 -1.7 800,926
114 New Century Bancorp Inc. Dunn, N.C. 11.7 6.1 52,280 152.4 448,209
115 Yadkin Valley Financial Corp. Elkin, N.C. 11.7 NA 100,247 NM 860,317
116 First Volunteer Corp. Chattanooga, Tenn. 11.6 13.7 45,732 -9.3 392,567
117 First Bancorp Troy, N.C. 11.6 11.4 206,751 16.8 1,780,616
118 Central Jersey Bancorp Long Branch, N.J. 11.5 12.5 36,869 -7.6 320,909
119 Great Lakes Financial Resources Inc. Matteson, Ill. 11.5 11.8 55,422 4 483,446
120 Abington MHC Jenkintown, Pa. 11.3 13.2 70,940 1.1 630,552
121 Franklin Financial Services Corp. Chambersburg, Pa. 11.2 9.5 60,853 56.1 541,305
122 ISB Financial Corp. Iowa City 11.2 9.7 43,373 16.2 386,018
123 Wintrust Financial Corp. Lake Forest, Ill. 11.2 11.9 748,543 13.5 6,685,934
124 Glacier Bancorp Inc. Kalispell, Mont. 11.2 12.1 358,891 15.1 3,207,683
125 Integra Bank Corp. Evansville, Ind. 11.2 11.7 199,826 -2.7 1,791,371
126 First State Financial Corp. Eastpointe, Mich. 11.1 13.1 50,328 -9.5 452,622
127 Foster Bankshares Inc. Chicago 11.1 12.1 48,517 3.9 437,575
128 Palm Bancorp Palmerton, Pa. 11.1 10 32,592 18.8 294,101
129 Lakeland Bancorp Inc. Oak Ridge, N.J. 11 12.8 182,945 6.4 1,655,851
130 First Midwest Bancorp Inc. Itasca, Ill. 11 11.8 550,501 -7.5 4,989,952
131 Nicolet Bankshares Inc. Green Bay, Wis. 11 11.9 44,323 7.1 404,228
132 First National Lincoln Corp. Damariscotta, Maine 10.9 11.8 92,633 -1.1 846,774
133 Fulton Financial Corp. Lancaster, Pa. 10.9 11.5 1,162,534 1.8 10,654,597
  Provident Financial Services Inc. Jersey City 10.9 9.9 410,662 10.9 3,765,204
135 First Bancshares Inc. Whiting, Ind. 10.9 11.3 120,972 3.8 1,110,802
136 M&T Bank Corp. Buffalo 10.8 11.4 4,711,619 1.5 43,507,176
137 Alpine Bancorp. Inc. Belvidere, Ill. 10.7 11.8 52,217 1.9 490,145
  Voyager Financial Services Corp. Eden Prairie, Minn. 10.7 11.9 43,504 -10.8 408,472
  Fidelity Bancorp Inc. Pittsburgh, Pa. 10.6 19.1 48,731 -35.5 457,585
140 Community Banks Inc. Harrisburg, Pa. 10.6 9.9 258,730 14.1 2,442,318
141 Park Bancorp. Inc. Madison, Wis. 10.6 10.8 60,985 12.9 576,248
142 Fidelity Bancshares Inc. Fuquay-Varina, N.C. 10.6 11.4 107,284 1.7 1,014,676
143 Northwest Suburban Bancorp Inc. Mount Prospect, Ill. 10.5 12.2 44,742 -4 424,414
144 Cardinal Financial Corp. McLean, Va. 10.5 11.1 124,666 9.5 1,185,149
145 Commercial Holding Co. Paris, Tenn. 10.5 11.1 36,306 1.7 346,357
146 U.S. Bancorp Minneapolis 10.4 10.6 15,551,000 4.3 148,920,000
147 Codorus Valley Bancorp Inc. York, Pa. 10.4 10.1 44,466 17.2 426,516
148 Carolina Financial Corp. Charleston, S.C. 10.4 6 75,878 99.8 728,061
149 Merchants Financial Group Inc. Winona, Minn. 10.4 11.7 57,419 -5.6 551,782
150 IBT Bancorp Inc. Irwin, Pa. 10.4 10.9 48,948 -1 471,018

* Home equity loans outstanding as a percentage of total loans. Top tier bank holding companies. Based on FR Y9C filed with Federal Reserve. NM=Not Meaningful
Source:

<font size="2">SNL Financial</font>
, Charlottesville, Va.
© 2007 American Banker