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
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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 | Peoples 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