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Bank Holding Companies with Highest Concentration in Home Equity Loans

August 26, 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
On March 31, 2005. Dollars in thousands
Published August 26, 2005
Related Table: Biggest Increases from Year Earlier
Rank   Concentration* Home equity loans Domestic loans & leases
March 31, 2005 Year earlier March 31, 2005 Change
1 Cardinal Financial Corp. McLean, Va. 47.81% 15.06% $430,248 752.60% $899,830
2 Five Flags Banks Inc. Pensacola, Fla. 42.4 55.4 10,880 -31.97 25,651
3 First American Bank Corp. Elk Grove Village, Ill. 34.69 34.06 604,541 18.92 1,742,676
4 Fremont Bancorp. Calif. 28.12 27.93 348,691 -0.85 1,238,900
5 First Horizon National Corp. Memphis 27.94 25.16 6,275,773 34.58 22,463,631
6 Cornerstone Bancorp Inc. Palatine, Ill. 25.85 28.36 52,595 32.52 203,209
7 Paramount Bancorp Inc. Farmington Hills, Mich. 23.71 20.33 52,206 59.97 220,172
8 Riverside Gulf Coast Banking Co. Cape Coral, Fla. 21.94 18.48 64,403 63.51 293,533
9 City Holding Co. Charleston, W.Va. 21.45 21.25 288,172 1.69 1,343,172
10 Heritage Community Bancorp Riverdale, Ill. 21.06 25.52 46,691 -1.00 221,657
11 Somerset Hills Bancorp Bernardsville, N.J. 20.53 20.91 29,490 15.86 143,458
12 First Evanston Bancorp Inc. Ill. 20 19.17 63,083 15.48 315,458
13 Hampden Bancorp MHC Springfield, Mass. 19.95 NA 53,364 NA 267,508
14 TriCo Bancshares Chico, Calif. 19.82 16.33 234,321 44.31 1,182,433
15 First Indiana Corp. Indianapolis 19.23 19.01 283,896 -15.16 1,476,147
16 Bridge Bancorp Inc. Bridgehampton, N.Y. 19.05 17.59 56,587 11.39 297,101
17 Wells Fargo & Co. San Francisco 18.82 14.82 62,314,000 40.79 326,187,000
18 AmSouth Bancorp. Birmingham, Ala. 18.81 18.01 6,242,850 15.02 33,184,849
19 Valley Commerce Bancorp Ltd. Phoenix 18.61 17.13 17,270 12.04 92,821
20 Cambridge Bancorp Mass. 18.41 19.04 55,160 0.50 299,553
21 Carrollton Bancorp Baltimore 18.36 18.4 44,342 18.09 241,551
22 Edville Bankcorp Inc. Villa Park, Ill. 18.35 21.39 42,585 0.30 232,092
23 Western Springs Bancorp Inc. Hoffman Estates, Ill. 18.29 19.53 27,875 1.32 152,429
24 NVE Bancorp MHC Englewood, N.J. 18.25 17.15 44,726 2.54 245,088
25 Delhi Bank Corp. N.Y. 18.04 NA 10,982 NA 60,870
26 First Charter Corp. Charlotte 17.69 18.05 479,696 15.64 2,710,859
27 First Citizens Bancshares Raleigh 17.67 19.11 1,661,820 0.92 9,404,742
28 National City Corp. Cleveland 17.51 13.02 20,039,275 66.51 114,133,669
29 Countrywide Financial Corp Calabasas, Calif. 17.46 25.22 13,568,379 9.04 77,726,164
30 Oak Park River Forest Bankshares Oak Park, Ill. 17.42 20.4 36,698 22.28 209,138
31 Commonwealth Bancshares Inc. Louisville, Ky. 17.41 16.38 75,615 14.76 434,264
32 South Coastal Holdings MHC Rockland, Mass. 17.29 14.83 31,211 31.26 180,529
33 Columbiana Bancshares Inc. Ala. 17.25 12.13 19,195 12.10 111,287
34 Resource Bancshares Inc. De Kalb, Ill. 17.09 14.31 24,300 23.59 142,206
35 Community Financial Shares Glen Ellyn, Ill. 16.97 18.1 27,981 -0.97 164,867
36 Elmwood Financial Corp. Racine, Wis. 16.58 17.31 33,707 16.63 203,343
37 Northern Michigan Corp. Escanaba 16.55 14.31 21,062 20.22 127,246
38 Associated Community Bancorp Greenwich, Conn. 16.28 17.22 37,882 16.69 232,109
39 Alliance Bankshares Corp. Chantilly, Va. 16.27 19.35 39,272 46.24 241,323
40 Columbia Bancorp Columbia, Md. 16.19 17.53 159,848 4.76 987,406
41 Foster Bankshares Inc. Chicago 15.92 16.27 48,491 21.87 304,511
Bay National Corp. Lutherville, Md. 15.92 NA 23,858 NA 149,898
43 First Business Bancorp Chicago 15.85 14.29 14,065 5.67 88,766
44 Illinois Valley Bancorp Inc. Morris 15.64 13.27 18,799 36.74 120,164
45 West Tennessee Bancshares Bartlett, Tenn. 15.62 13.95 36,419 29.29 233,104
46 TCF Financial Corp. Wayzata, Minn. 15.48 13.14 1,515,323 27.83 9,786,230
47 Bank of St. Petersburg Holdings Tampa 15.38 NA 26,526 NA 172,104
48 First Community Bancorp Inc. Pahokee, Fla. 15.35 14.13 14,889 17.02 96,854
49 Sterling Financial Group Inc. Rochester Minn. 15.22 14.36 28,151 -5.27 184,967
50 Palos Bancshares Inc. Palos Heights, Ill. 15.18 13.69 33,901 21.78 223,357
51 Heartland Bancshares Inc. Franklin, Ind. 15.15 14.39 19,544 15.30 128,995
52 Midcarolina Financial Corp. Burlington, N.C. 15.12 15.61 36,141 19.83 239,086
53 Huntington Bancshares Inc. Columbus, Ohio 14.96 14.98 3,656,888 14.00 24,450,714
54 Ogle County Bancshares Inc. Rochelle, Ill. 14.92 14.22 12,426 18.20 83,269
55 RCB Corp. Sacramento, Calif. 14.85 12.85 66,406 42.27 447,261
56 F.N.B.C. of La Grange Inc. Ill. 14.82 12.77 40,433 23.40 272,813
57 Sturgis Bancorp Inc. Mich. 14.79 13.27 34,756 15.32 234,978
58 Citrus and Chemical Bancorp. Bartow, Fla. 14.72 15.93 52,045 0.47 353,675
NC Bancorp Inc. Chicago 14.72 16.33 24,261 17.00 164,843
60 Republic Bancorp Inc. Louisville, Ky. 14.35 14.39 268,121 13.60 1,868,344
61 Lake Elmo Bancshares Inc. Minn. 14.29 11.49 26,574 33.78 185,979
62 Norway Bancorp MHC Maine 14.23 12.35 77,997 34.54 548,156
63 First Citizens Bancorp Inc. Columbia, S.C. 14.21 12.84 450,623 18.01 3,171,126
64 Benchmark Bancorp Inc. Aurora, Ill. 14.1 11.42 17,051 20.32 120,789
65 First Litchfield Finance Corp. Litchfield, Conn. 14.04 12.27 31,889 35.04 227,143
Villages Bancorp. Inc. Lady Lake, Fla. 14.04 13.14 33,201 37.81 236,528
67 KeyCorp Cleveland 13.86 14.79 9,359,553 1.23 66,300,090
68 Unizan Financial Corp. Canton, Ohio 13.81 11.93 251,866 6.93 1,823,201
69 Cambank Inc. Lake Zurich, Ill. 13.79 14.56 29,629 5.58 214,536
70 First Oak Brook Bancshares Ill. 13.78 14.62 151,943 7.97 1,102,439
71 First Eagle Bancshares Inc. Hanover Park, Ill. 13.75 11.3 28,488 54.89 206,636
72 Herget Financial Corp. Pekin, Ill. 13.7 4.34 11,078 209.35 80,854
73 Financial Services of St. Croix St. Croix Falls, Wis. 13.68 13.95 23,758 18.92 173,611
74 LSB Bancshares Inc. Lexington, N.C. 13.65 11 101,549 35.98 743,956
75 Citizens Bancorp Inc. Newport, Ky. 13.54 13.07 19,605 12.21 144,785
76 First Volunteer Corp. Chattanooga, Tenn. 13.49 12.22 48,703 21.18 360,985
77 Community Bank Corp. Park Ridge, Ill. 13.41 11.85 18,443 22.07 137,381
78 Great Lakes Financial Resoure Inc. Matteson, Ill. 13.37 12.74 54,655 11.69 408,830
79 Provident Bankshares Corp. Baltimore 13.3 10.73 472,224 55.19 3,550,007
80 Northwest Suburban Bancorp Mount Prospect, Ill. 13.26 12.26 48,459 25.38 365,350
81 F&M Financial Corp. Granite Quarry, N.C. 13.25 15.13 48,320 7.97 363,968
82 Fifth Third Bancorp Cincinnati 13.2 12.8 8,676,798 21.98 65,711,466
First Co. Powell, Wyo. 13.2 11.22 19,258 20.81 145,894
84 United Bankshares Inc. Charleston, W.Va. 13.14 11.39 577,751 14.27 4,395,581
85 Peoples Bancorp of North Carolina Newton 13.07 10.06 70,963 26.63 543,122
86 Webster Financial Corp. Waterbury, Conn. 13.06 NA 1,574,257 NA 12,052,590
87 First Bancorp of Durango Inverness, Ill. 13.04 11.52 27,156 26.32 207,839
88 Pinnacle Bankshares Corp. Altavista, Va. 12.94 12.42 20,969 11.56 161,936
89 Camden National Corp. Maine 12.92 11.96 141,206 20.98 1,089,440
90 Central Bancshares Inc. Golden Valley, Minn. 12.9 11.23 34,798 34.29 269,756
91 LDF Inc. Chicago 12.86 NA 27,365 NA 212,501
92 Citizens Bancshares Hutchinson, Minn. 12.84 12.89 12,011 11.41 93,562
93 Riggs National Corp. Washington 12.81 8.98 370,225 28.91 2,882,021
94 S&C Banco Inc. New Richmond, Wis. 12.8 7.43 36,990 101.99 289,045
95 Annapolis Bancorp Inc. Md. 12.76 12.72 27,711 17.40 217,346
96 Tampa Banking Co. 12.73 11.37 57,346 16.32 450,469
97 Capac Bancorp Inc. Mich. 12.66 10.47 16,887 27.08 133,407
98 New Mexico Banquest Corp. Santa Fe 12.64 13.46 37,708 4.63 298,362
99 Stillman Bancorp Inc. Stillman Valley, Ill. 12.62 11.16 19,228 9.65 152,086
100 Wintrust Financial Corp. Lake Forest, Ill. 12.6 13.59 635,050 31.94 5,021,517
101 National Bank of Indianapolis Corp. 12.54 12.91 83,045 9.42 662,412
102 Sonoma Valley Bancorp Sonoma, Calif. 12.53 10.83 19,714 37.31 156,829
103 Bank of Hawaii Corp. Honolulu 12.51 12.07 757,000 8.14 5,457,080
Devon Bancorp Inc. Chicago 12.51 14.01 24,700 -1.07 197,282
105 Harleysville National Corp. Pa. 12.45 14.09 232,213 15.43 1,865,641
Greenville First Bancshares S.C. 12.45 11.84 36,813 35.58 295,708
107 Irwin Financial Corp. Columbus, Ind. 12.4 16.09 563,079 -17.02 4,305,183
108 Hasten Bancshares Indianapolis 12.36 9.74 95,587 25.14 773,139
109 Salisbury Bancorp Inc. Lakeville, Conn. 12.35 7.47 25,390 142.62 205,534
110 Honor Bancorp Inc. Mich. 12.34 10 18,790 37.26 152,138
111 People’s Community Bancshares Sarasota, Fla. 12.33 NA 23,179 NA 187,689
Macon Bancorp Franklin, N.C. 12.33 10.64 77,611 36.30 626,333
113 Camco Financial Corp. Cambridge, Ohio 12.19 NA 102,740 NA 842,260
114 Washington Trust Bancorp Westerly, R.I. 12.17 12.59 157,752 24.51 1,296,228
115 Jacksonville Bancorp Inc. Fla. 12.15 12.44 23,676 17.08 194,811
116 Faribault Bancshares Inc. Minn. 12.08 10.56 11,759 21.11 97,335
117 Pinnacle Financial Partners Nashville, Tenn. 12.07 8.53 62,869 124.46 519,571
118 Klein Financial Inc. Chaska, Minn. 11.97 9.78 90,656 35.81 733,777
119 Sandy Spring Bancorp Inc. Olney, Md. 11.95 10.25 177,299 41.47 1,483,143
120 Century Bancorp Inc. Medford, Mass. 11.9 10.2 72,445 36.00 608,069
Queenstown Bancorp of Maryland 11.9 10.9 32,077 31.34 269,480
122 Oswego Bancshares Inc. Ill. 11.87 NA 4,437 NA 37,395
123 Leesport Financial Corp. Wyomissing, Pa. 11.85 13.19 72,162 51.80 609,186
124 Crescent Financial Corp Cary, N.C. 11.83 11.02 32,982 27.37 278,279
125 Mid-State Bancshares Arroyo Grande, Calif. 11.78 8.03 172,700 71.83 1,466,018
FSB Bancorp MHC Farmington, Maine 11.78 10.36 27,731 25.80 234,931
127 Northfield Bancshares Inc. Minn. 11.7 8.46 16,632 69.90 142,177
128 Center Bancorp Inc. Union, N.J. 11.63 14.4 44,620 -12.53 383,631
129 Citizens Banking Corp. Flint, Mich. 11.6 9.94 633,863 21.77 5,464,510
130 Heritagebanc Inc. Chicago Heights, Ill. 11.58 13.67 23,400 6.74 202,101
First Security Group Inc. Chattanooga, Tenn. 11.58 11.04 71,225 31.74 614,417
132 West Suburban Bancorp Inc. Lombard, Ill. 11.54 10.63 120,212 5.66 1,041,687
133 First National Financial Services Inc. Elk River, Minn. 11.53 8.96 23,144 -1.74 200,742
134 Southern Heritage Bancshares Cleveland, Tenn. 11.52 NA 15,297 NA 132,767
135 People’s Mutual Holdings Bridgeport, Conn. 11.51 9.2 933,167 40.58 8,076,708
First of Long Island Corp. Glen Head, N.Y. 11.51 10.92 40,208 13.14 348,910
137 First National Lincoln Corp. Damariscotta, Maine 11.48 13.25 78,343 42.20 682,668
Fidelity Bancshares Fuquay-Varina, N.C. 11.48 12.55 90,698 -4.96 789,460
139 West Coast Bancorp Lake Oswego, Ore. 11.45 11.46 164,284 13.17 1,434,490
140 Alpine Banks of Colorado Glenwood Springs 11.42 12.97 126,024 2.26 1,101,154
141 Heritage Bancorp Reno, Nev. 11.4 13.29 19,253 20.44 168,461
142 Metro Bank Financial Services Miami 11.38 11.45 17,721 5.62 155,358
143 Executive Banking Corp. Miami 11.37 14.4 13,569 -7.30 118,965
144 Union National Financial Corp. Mount Joy, Pa. 11.36 11.78 30,419 11.50 267,649
145 PNC Financial Services Group Pittsburgh 11.3 11.77 5,289,987 14.90 45,534,586
146 BWC Financial Corp. Walnut Creek, Calif. 11.29 11.61 44,938 2.11 396,276
147 Patriot National Bancorp Stamford, Conn. 11.27 11.47 33,492 30.22 297,269
Highland Bancshares Inc. St. Michael, Minn. 11.27 11.95 28,207 8.23 250,258
149 Uwharrie Capital Corp. Albemarle, N.C. 11.22 8.79 29,834 40.08 265,858
150 Southern Community Financial Corp. Winston-Salem, N.C. 11.19 11.23 90,617 14.58 809,733

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

Source: Highline Banking Data Services (877-305-6657)

© 2005 American Banker