Bank Holding Companies with Highest Home Equity Loan Concentration
Published November 26, 2008, 10:08 a.m. EST
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Updated January 02, 1970, 9:08 a.m. EST
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Bank Holding Companies with Highest Home Equity Loan Concentration
Bank Holding Companies with Highest Home Equity Loan ConcentrationAs of June 30, 2008. Dollars in thousands | ||||||
|---|---|---|---|---|---|---|
| Rank | Concentration | Home equity loans | and leases | |||
| | | June 30 | Change | |||
| 1 | Evolve Financial Group Inc. Cordova, Tenn. | 54.1% | 68.4% | $31,157 | -16.1% | $57,555 |
| 2 | First American Bank Corp. Elk Grove Village, Ill. | 33.1 | 34.6 | 707,336 | -1.6 | 2,135,517 |
| 3 | Encore Bancshares Inc. Houston | 29.9 | 21.4 | 349,322 | 62.0 | 1,169,151 |
| 4 | Fremont Bancorp. Calif. | 29.4 | 24.8 | 503,629 | 16.2 | 1,714,188 |
| 5 | Irwin Financial Corp. Columbus, Ind. | 27.0 | 29.2 | 1,474,647 | -8.6 | 5,455,048 |
| 6 | Harleysville National Corp. Pa. | 26.5 | 31.2 | 664,066 | 2.3 | 2,501,968 |
| First Horizon National Corp. Memphis | 26.5 | 26.5 | 6,556,570 | -3.9 | 24,780,180 | |
| 8 | RCB Corp. Sacramento | 26.1 | 25.7 | 132,575 | -2.2 | 507,224 |
| 9 | TriCo Bancshares Chico, Calif. | 23.6 | 21.9 | 363,813 | 10.3 | 1,543,324 |
| 10 | Provident Bankshares Corp. Baltimore | 23.3 | 23.1 | 981,708 | 7.9 | 4,209,822 |
| 11 | National City Corp. Cleveland | 22.0 | 20.4 | 25,901,301 | 11.2 | 117,910,911 |
| 12 | Citizens Financial Group Inc. Providence, R.I. | 21.6 | 22.1 | 24,136,888 | -0.1 | 111,630,016 |
| 13 | Webster Financial Corp. Waterbury, Conn. | 21.5 | 20.6 | 2,743,067 | 3.8 | 12,770,425 |
| 14 | West Suburban Bancorp Inc. Lombard, Ill. | 21.1 | 23.0 | 264,329 | -3.8 | 1,251,684 |
| 15 | TCF Financial Corp. Wayzata, Minn. | 21.0 | 20.4 | 2,723,310 | 13.7 | 12,976,931 |
| 16 | Harleysville Savings Financial Corp. Pa. | 20.9 | 23.5 | 95,923 | -1.6 | 459,586 |
| 17 | Riverside Gulf Coast Banking Co. Cape Coral, Fla. | 20.8 | 21.6 | 85,494 | -1.3 | 410,879 |
| 18 | Union National Financial Corp. Lancaster, Pa. | 20.3 | 19.7 | 76,107 | 7.2 | 375,275 |
| 19 | Wells Fargo & Co. San Francisco | 19.9 | 21.6 | 84,759,000 | 3.7 | 425,151,000 |
| 20 | Camco Financial Corp. Cambridge, Ohio | 18.9 | 15.5 | 150,835 | 15.9 | 800,331 |
| 21 | F.N.B.C. of La Grange Inc. Ill. | 17.5 | 15.7 | 55,507 | 16.1 | 316,544 |
| 22 | SunTrust Banks Inc. Atlanta | 17.4 | 16.0 | 22,754,790 | 8.5 | 131,085,696 |
| 23 | CIB Marine Bancshares Inc. Pewaukee, Wis. | 16.8 | 17.6 | 107,625 | 3.9 | 642,737 |
| Gorham Bancorp MHC Maine | 16.8 | 19.2 | 96,050 | -7.5 | 573,544 | |
| 25 | NBT Bancorp Inc. Norwich, N.Y. | 16.6 | 16.7 | 596,701 | 4.2 | 3,602,895 |
| 26 | Fidelity D&D Bancorp Inc. Dunmore, Pa. | 16.3 | 14.9 | 68,178 | 7.5 | 418,691 |
| 27 | First of Long Island Corp. Glen Head, N.Y. | 16.2 | 15.3 | 89,789 | 23.8 | 555,719 |
| 28 | Norway Bancorp MHC Maine | 16.0 | 15.5 | 117,364 | 8.8 | 731,564 |
| RBC Bancorp. (U.S.A.) Raleigh | 16.0 | 15.8 | 3,377,074 | 36.6 | 21,089,826 | |
| Hampden Bancorp Inc. Springfield, Mass. | 16.0 | 18.2 | 58,223 | -3.5 | 364,226 | |
| 31 | Associated Banc-Corp Green Bay, Wis. | 15.8 | 14.1 | 2,557,143 | 19.1 | 16,201,385 |
| 32 | Bryn Mawr Bank Corp. Pa. | 15.7 | 16.4 | 133,989 | 9.7 | 855,659 |
| 33 | PNC Financial Services Group Inc. Pittsburgh | 15.5 | 16.5 | 11,683,419 | 5.3 | 75,342,755 |
| Stewardship Financial Corp. Midland Park, N.J. | 15.5 | NA | 69,869 | NA | 450,779 | |
| Bridge Bancorp Inc. Bridgehampton, N.Y. | 15.5 | 17.8 | 61,806 | 0.1 | 399,781 | |
| 36 | Prosperity Banking Co. St. Augustine, Fla. | 15.4 | 14.4 | 111,931 | 7.0 | 726,517 |
| 37 | LNB Bancorp Inc. Lorain, Ohio | 15.2 | 13.8 | 117,936 | 16.3 | 774,143 |
| 38 | First Citizens BancShares Inc. Raleigh | 15.1 | 13.9 | 1,713,131 | 17.6 | 11,313,155 |
| Republic Bancorp Inc. Louisville | 15.1 | 14.5 | 357,336 | 4.8 | 2,360,130 | |
| JPMorgan Chase & Co. New York | 15.1 | 16.2 | 85,485,000 | 5.8 | 566,394,000 | |
| NewBridge Bancorp Greensboro, N.C. | 15.1 | 15.0 | 237,470 | 99.1 | 1,574,141 | |
| 42 | Sandy Spring Bancorp Inc. Olney, Md. | 15.0 | 15.6 | 365,573 | 7.1 | 2,441,036 |
| 43 | MSB Mutual Holding Co. Manasquan, N.J. | 14.8 | 13.9 | 62,002 | 3.4 | 419,029 |
| Commonwealth Bancshares Inc. Louisville | 14.8 | 17.2 | 89,717 | -0.8 | 607,568 | |
| 45 | FNB Bancorp Inc. Newtown, Pa. | 14.7 | 12.6 | 53,575 | 22.0 | 364,813 |
| 46 | First Citizens Bancorp. Inc. Columbia, S.C. | 14.6 | 14.0 | 656,545 | 17.4 | 4,498,446 |
| First Bancorp. of Durango Inc. Inverness, Ill. | 14.6 | NA | 42,286 | NA | 289,613 | |
| Bank of Hawaii Corp. Honolulu | 14.6 | 14.0 | 952,309 | 3.8 | 6,529,311 | |
| 49 | National Bank of Indianapolis Corp. | 14.5 | 14.1 | 123,422 | 12.9 | 850,370 |
| Town and Country Financial Corp. Springfield, Ill. | 14.5 | 13.5 | 33,832 | 1.7 | 233,963 | |
| Huntington Bancshares Inc. Columbus, Ohio | 14.5 | 18.6 | 5,983,930 | 18.2 | 41,395,474 | |
| 52 | Washington Trust Bancorp Inc. Westerly, R.I. | 14.4 | 15.8 | 246,655 | 4.3 | 1,708,361 |
| Rockville Financial MHC Inc. Vernon Rockville, Conn. | 14.4 | 15.9 | 173,237 | 1.0 | 1,201,924 | |
| West Tennessee Bancshares Inc. Bartlett | 14.4 | 14.1 | 45,960 | -0.2 | 319,104 | |
| Alliance Bankshares Corp. Chantilly, Va. | 14.4 | 22.5 | 53,666 | -39.4 | 373,256 | |
| 56 | NVE Bancorp MHC Englewood, N.J. | 14.3 | 15.9 | 36,586 | -7.2 | 255,737 |
| 57 | Klein Financial Inc. Chaska, Minn. | 14.1 | 14.4 | 148,184 | 17.9 | 1,050,010 |
| 58 | Bancorp Rhode Island Inc. Providence | 14.0 | 15.2 | 148,880 | -4.4 | 1,060,304 |
| Bremer Financial Corp. St. Paul | 14.0 | 12.3 | 773,998 | 22.3 | 5,530,987 | |
| First Banking Center Inc. Burlington, Wis. | 14.0 | 13.6 | 102,348 | 18.9 | 733,138 | |
| 61 | Sun Bancorp Inc. Vineland, N.J. | 13.9 | 13.7 | 367,157 | 9.7 | 2,637,354 |
| 62 | Vist Financial Corp. Wyomissing, Pa. | 13.8 | 15.1 | 120,091 | 0.6 | 868,486 |
| Fifth Third Bancorp Cincinnati | 13.8 | 14.5 | 11,882,951 | 5.8 | 86,411,916 | |
| 64 | Regions Financial Corp. Birmingham, Ala. | 13.7 | 12.8 | 13,624,019 | 11.2 | 99,188,580 |
| QNB Corp. Quakertown, Pa. | 13.7 | 13.1 | 52,962 | 7.6 | 387,479 | |
| 66 | Cambridge Bancorp Mass. | 13.6 | 15.2 | 61,188 | 6.1 | 448,790 |
| TD Banknorth Inc. Portland, Maine | 13.6 | 13.2 | 6,472,272 | 84.9 | 47,457,414 | |
| Indiana Community Bancorp Columbus | 13.6 | 14.9 | 106,313 | -1.2 | 783,040 | |
| 69 | Bank of America Corp. Charlotte | 13.5 | 12.3 | 120,078,267 | 24.2 | 891,941,544 |
| FirstMerit Corp. Akron | 13.5 | 14.4 | 976,668 | -4.5 | 7,255,556 | |
| 71 | MountainOne Financial Partners MHC North Adams, Mass. | 13.4 | 9.4 | 60,295 | 123.5 | 449,505 |
| 72 | Codorus Valley Bancorp Inc. York, Pa. | 13.3 | 11.1 | 66,511 | 36.8 | 500,068 |
| Independent Bank Corp. Rockland, Mass. | 13.3 | 14.7 | 342,032 | 17.6 | 2,573,529 | |
| 74 | Harris Financial Corp. Wilmington, Del. | 13.2 | 12.7 | 5,023,565 | 17.0 | 38,098,114 |
| City Holding Co. Charleston, W.Va. | 13.2 | 14.0 | 230,729 | -4.4 | 1,749,979 | |
| First Waterloo Bancshares Inc. Ill. | 13.2 | 12.8 | 18,446 | -2.8 | 140,271 | |
| 77 | Tri City Bankshares Corp. Oak Creek, Wis. | 13.1 | 12.6 | 76,092 | 10.5 | 579,690 |
| Florida Bank Group Inc. Tampa | 13.1 | 13.4 | 84,821 | 28.1 | 648,748 | |
| 79 | First Mariner Bancorp Baltimore | 12.9 | 12.9 | 127,627 | 6.9 | 986,749 |
| Trinity Capital Corp. Los Alamos, N.M. | 12.9 | 12.5 | 155,097 | 5.2 | 1,202,376 | |
| Bangor Bancorp MHC Maine | 12.9 | 12.7 | 218,947 | 8.1 | 1,699,471 | |
| 82 | Palm Bancorp Palmerton, Pa. | 12.8 | 10.8 | 41,359 | 27.0 | 322,640 |
| Marquette National Corp. Chicago | 12.8 | 12.7 | 146,322 | 16.3 | 1,142,824 | |
| F&M Financial Corp. Granite Quarry, N.C. | 12.8 | 13.3 | 70,608 | 12.3 | 553,240 | |
| 85 | Nicolet Bankshares Inc. Green Bay, Wis. | 12.7 | 10.0 | 58,523 | 37.5 | 460,988 |
| 86 | Alpine Banks of Colorado Glenwood Springs | 12.5 | 14.5 | 252,864 | 12.0 | 2,019,564 |
| Penseco Financial Services Corp. Scranton, Pa. | 12.5 | 12.4 | 52,791 | 9.9 | 422,293 | |
| Tampa Banking Co. | 12.5 | 11.6 | 81,589 | 15.3 | 653,638 | |
| National Penn Bancshares Inc. Boyertown, Pa. | 12.5 | 11.8 | 765,107 | 73.3 | 6,133,598 | |
| 90 | Northfield MHC Vt. | 12.4 | 12.8 | 53,392 | 2.8 | 430,482 |
| 91 | Foster Bankshares Inc. Chicago | 12.3 | 11.2 | 62,190 | 23.1 | 503,866 |
| Southern Bancshares (N.C.) Inc. Mount Olive | 12.3 | 11.9 | 87,530 | 3.0 | 710,887 | |
| Wintrust Financial Corp. Lake Forest, Ill. | 12.3 | 11.0 | 895,799 | 18.8 | 7,291,643 | |
| Peoples Bancorp of North Carolina Inc. Newton | 12.3 | 11.6 | 92,721 | 20.6 | 756,235 | |
| Camden National Corp. Maine | 12.3 | 9.4 | 187,180 | 68.2 | 1,526,958 | |
| 96 | FSB Mutual Holdings Inc. Perkasie, Pa. | 12.2 | 11.9 | 79,686 | 9.2 | 651,583 |
| First Chester County Corp. West Chester, Pa. | 12.2 | 12.7 | 95,567 | 4.2 | 786,548 | |
| 98 | Eagle Financial Services Inc. Berryville, Va. | 12.1 | 12.4 | 47,405 | 0.1 | 390,660 |
| ACNB Corp. Gettysburg, Pa. | 12.1 | 12.3 | 72,415 | 8.4 | 599,380 | |
| KeyCorp Cleveland | 12.1 | 12.6 | 9,373,073 | 4.6 | 77,688,208 | |
| 101 | Great Lakes Financial Resources Inc. Matteson, Ill. | 12.0 | 11.4 | 54,618 | -2.5 | 457,084 |
| 102 | Financial Institutions Inc. Warsaw, N.Y. | 11.9 | 13.4 | 120,859 | -4.5 | 1,011,675 |
| Palos Bancshares Inc. Palos Heights, Ill. | 11.9 | 12.3 | 44,564 | 11.8 | 375,735 | |
| 104 | Macon Bancorp Franklin, N.C. | 11.8 | 11.5 | 95,909 | 1.8 | 810,018 |
| Glacier Bancorp Inc. Kalispell, Mont. | 11.8 | 11.1 | 449,291 | 19.3 | 3,820,952 | |
| First Litchfield Financial Corp. Conn. | 11.8 | 11.0 | 39,900 | 17.1 | 339,476 | |
| First State Financial Corp. St. Clair Shores, Mich. | 11.8 | 11.1 | 46,045 | -4.7 | 392,058 | |
| 108 | OceanPoint Financial Partners MHC Newport, R.I. | 11.7 | 14.5 | 90,042 | -8.3 | 767,386 |
| Oxford Bank Corp. Mich. | 11.7 | 8.3 | 35,382 | 20.1 | 301,537 | |
| Center Bancorp Inc. Union, N.J. | 11.7 | 13.1 | 73,878 | 5.7 | 631,221 | |
| DNB Financial Corp. Downingtown, Pa. | 11.7 | 10.7 | 37,203 | 7.5 | 318,821 | |
| 112 | Fulton Financial Corp. Lancaster, Pa. | 11.6 | 10.9 | 1,356,331 | 14.4 | 11,693,846 |
| Bank of South Carolina Corp. Charleston | 11.6 | 8.9 | 19,184 | 31.1 | 165,841 | |
| Florence Bancorp MHC Mass. | 11.6 | 12.8 | 77,895 | -0.7 | 674,034 | |
| 115 | West Coast Bancorp Lake Oswego, Ore. | 11.5 | 9.9 | 248,526 | 16.7 | 2,158,082 |
| Merchants Financial Group Inc. Winona, Minn. | 11.5 | 10.5 | 76,365 | 32.6 | 666,481 | |
| 117 | Central Jersey Bancorp Oakhurst, N.J. | 11.3 | 11.1 | 37,409 | 6.6 | 329,658 |
| Pennsylvania Commerce Bancorp Inc. Harrisburg | 11.3 | 12.5 | 151,174 | 10.7 | 1,333,905 | |
| Commercial Holding Co. Paris, Tenn. | 11.3 | 10.9 | 50,198 | 27.9 | 443,560 | |
| Coastal Affiliates MHC Yarmouth Port, Mass. | 11.3 | NA | 51,694 | NA | 459,781 | |
| 121 | First Bancorp Troy, N.C. | 11.2 | 11.4 | 243,835 | 18.9 | 2,170,126 |
| Citizens Republic Bancorp Inc. Flint, Mich. | 11.2 | 12.3 | 1,073,708 | -6.2 | 9,560,559 | |
| United Bankshares Inc. Charleston, W.Va. | 11.2 | 12.0 | 655,657 | 13.1 | 5,850,183 | |
| W.T.B. Financial Corp. Spokane | 11.2 | 9.9 | 349,875 | 24.1 | 3,120,402 | |
| CNB Financial Corp. Clearfield, Pa. | 11.2 | 10.1 | 74,317 | 28.0 | 665,103 | |
| Community Valley Bancorp Chico, Calif. | 11.2 | 9.8 | 55,332 | 23.1 | 495,745 | |
| F&M Bank Corp. Timberville, Va. | 11.2 | 10.9 | 41,863 | 25.1 | 375,294 | |
| 128 | First Financial Bancorp. Cincinnati | 11.1 | 10.6 | 298,103 | 10.4 | 2,676,890 |
| Shore Bancshares Inc. Easton, Md. | 11.1 | 9.9 | 93,581 | 29.1 | 841,600 | |
| 130 | Fidelity Bancshares (N.C.) Inc. Fuquay-Varina | 11.0 | 10.8 | 111,115 | 2.6 | 1,007,148 |
| Century Bancorp Inc. Medford, Mass. | 11.0 | 9.2 | 84,190 | 27.4 | 764,489 | |
| Middleburg Financial Corp. Va. | 11.0 | 8.3 | 77,399 | 48.9 | 702,587 | |
| 133 | MainSource Financial Group Inc. Greensburg, Ind. | 10.9 | 10.4 | 184,658 | 10.4 | 1,702,195 |
| 134 | LCNB Corp. Lebanon, Ohio | 10.8 | 8.3 | 48,250 | 47.3 | 446,464 |
| LSB Financial Laconia, N.H. | 10.8 | 10.2 | 69,796 | 12.6 | 645,617 | |
| StellarOne Corp. Charlottesville, Va. | 10.8 | 10.4 | 248,659 | 98.0 | 2,304,924 | |
| 137 | Montecito Bancorp Santa Barbara, Calif. | 10.7 | 8.8 | 51,451 | 32.1 | 479,525 |
| S.Y. Bancorp Inc. Louisville | 10.7 | 12.2 | 142,154 | -0.6 | 1,326,001 | |
| O.A.K. Financial Corp. Byron Center, Mich. | 10.7 | 9.7 | 67,331 | 25.1 | 631,308 | |
| 140 | Community Bancorp. Derby, Vt. | 10.6 | NA | 38,051 | NA | 357,433 |
| Yadkin Valley Financial Corp. Elkin, N.C. | 10.6 | 11.7 | 119,390 | 19.3 | 1,123,633 | |
| Southern First Bancshares Inc. Greenville, S.C. | 10.6 | 9.4 | 57,933 | 33.8 | 546,538 | |
| Suburban Illinois Bancorp Inc. Elmhurst | 10.6 | 9.5 | 51,077 | 29.6 | 482,336 | |
| Suffolk Bancorp Riverhead, N.Y. | 10.6 | 11.2 | 108,350 | 4.3 | 1,025,187 | |
| Orrstown Financial Services Inc. Shippensburg, Pa. | 10.6 | 10.1 | 79,379 | 20.0 | 752,697 | |
| 146 | NewAlliance Bancshares Inc. New Haven | 10.5 | 12.0 | 521,251 | -5.9 | 4,952,826 |
| First Bancorp Inc. Damariscotta, Maine | 10.5 | 11.1 | 99,842 | 2.7 | 954,067 | |
| 148 | Frandsen Financial Corp. Arden Hills, Minn. | 10.4 | 10.1 | 101,571 | 34.7 | 973,761 |
| First National Corp. Strasburg, Va. | 10.4 | 9.7 | 46,715 | 10.9 | 450,296 | |
| Arthur Financial Corp. Union, S.C. | 10.4 | 9.8 | 52,871 | 17.5 | 509,580 | |
*Home equity loans outstanding as a percentage of total consolidated loans. Top tier bank holding companies. Based on FR Y9C filed with Federal Reserve.
Source:SNL Financial
, Charlottesville, Va.© 2008 American Banker