Bank Holding Companies with Highest Home Equity Loan Concentrations
April 02, 2009, 10:08 a.m. EDT 1 Min Read
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Bank Holding Companies with Highest Home Equity Loan Concentrations
Bank Holding Companies with Highest Home Equity Loan ConcentrationsAs of Sept. 30, 2008. Dollars in thousands | ||||||
|---|---|---|---|---|---|---|
| Rank | Concentration | Home equity loans | and leases | |||
| | | Sept. 30 | Change | |||
| 1 | Evolve Financial Group Inc. Cordova, Tenn. | 48.6% | 63.4% | $30,996 | -11.9% | $63,732 |
| 2 | First American Bank Corp. Elk Grove Village, Ill. | 33.3 | 34.5 | 703,117 | -4.7 | 2,110,794 |
| 3 | Encore Bancshares Inc. Houston | 31.0 | 21.7 | 371,821 | 66.0 | 1,198,894 |
| 4 | Fremont Bancorp. Calif. | 30.2 | 28.3 | 515,895 | 8.8 | 1,711,206 |
| 5 | Irwin Financial Corp. Columbus, Ind. | 29.8 | 28.8 | 1,397,602 | -14.4 | 4,695,149 |
| 6 | First Horizon National Corp. Memphis | 29.1 | 27.1 | 6,482,107 | -5.9 | 22,320,675 |
| 7 | RCB Corp. Sacramento | 26.5 | 26.4 | 133,987 | -0.7 | 504,969 |
| 8 | Harleysville National Corp. Pa. | 26.3 | 31.2 | 666,558 | 1.9 | 2,539,037 |
| 9 | Provident Bankshares Corp. Baltimore | 23.9 | 23.3 | 1,019,997 | 8.1 | 4,267,450 |
| 10 | TriCo Bancshares Chico, Calif. | 23.7 | 22.5 | 371,159 | 7.3 | 1,563,236 |
| 11 | Webster Financial Corp. Waterbury, Conn. | 21.8 | 21.7 | 2,802,994 | 2.2 | 12,869,651 |
| 12 | Citizens Financial Group Inc. Providence, R.I. | 21.6 | 21.9 | 24,394,464 | 0.4 | 112,914,434 |
| 13 | West Suburban Bancorp Inc. Lombard, Ill. | 21.0 | 23.5 | 261,980 | -6.5 | 1,247,164 |
| 14 | TCF Financial Corp. Wayzata, Minn. | 20.7 | 20.7 | 2,710,740 | 9.1 | 13,105,237 |
| 15 | Wells Fargo & Co. San Francisco | 19.9 | 21.3 | 85,432,000 | 1.9 | 430,423,000 |
| 16 | Harleysville Savings Financial Corp. Pa. | 19.8 | 23.1 | 94,701 | -2.7 | 479,207 |
| 17 | Camco Financial Corp. Cambridge, Ohio | 19.4 | 16.2 | 153,715 | 12.7 | 793,257 |
| 18 | CIB Marine Bancshares Inc. Pewaukee, Wis. | 18.3 | 17.6 | 107,541 | 1.2 | 586,965 |
| Union National Financial Corp. Lancaster, Pa. | 18.3 | 20.2 | 67,664 | -7.8 | 370,549 | |
| 20 | F.N.B.C. of La Grange Inc. Ill. | 17.5 | 15.8 | 55,892 | 15.3 | 319,308 |
| 21 | SunTrust Banks Inc. Atlanta | 17.4 | 16.7 | 22,829,326 | 5.6 | 131,478,156 |
| 22 | Gorham Bancorp MHC Maine | 16.8 | 19.0 | 95,865 | -10.5 | 571,058 |
| RBC Bancorp. USA Raleigh | 16.8 | 16.1 | 3,571,904 | 41.8 | 21,272,579 | |
| 24 | NBT Bancorp Inc. Norwich, N.Y. | 16.7 | 16.8 | 601,223 | 4.3 | 3,607,321 |
| 25 | JPMorgan Chase & Co. New York | 16.5 | 15.9 | 129,846,000 | 57.6 | 785,434,000 |
| 26 | Bryn Mawr Bank Corp. Pa. | 16.3 | 15.8 | 143,548 | 16.0 | 880,181 |
| Norway Bancorp MHC Maine | 16.3 | 15.6 | 123,900 | 10.9 | 759,531 | |
| 28 | First Citizens BancShares Inc. Raleigh | 16.0 | 14.3 | 1,864,350 | 21.0 | 11,627,635 |
| 29 | Fidelity D&D Bancorp Inc. Dunmore, Pa. | 15.9 | 14.9 | 68,766 | 8.5 | 431,426 |
| Prosperity Banking Co. St. Augustine, Fla. | 15.9 | 15.6 | 114,502 | 0.0 | 721,329 | |
| 31 | First of Long Island Corp. Glen Head, N.Y. | 15.8 | 15.3 | 95,191 | 23.6 | 602,568 |
| Stewardship Financial Corp. Midland Park, N.J. | 15.8 | NA | 69,999 | NA | 443,788 | |
| Hampden Bancorp Inc. Springfield, Mass. | 15.8 | 17.2 | 59,621 | 0.3 | 378,009 | |
| 34 | West Tennessee Bancshares Inc. Bartlett | 15.6 | 14.0 | 48,979 | 7.8 | 314,406 |
| PNC Financial Services Group Inc. Pittsburgh | 15.6 | 16.4 | 11,995,967 | 6.6 | 77,146,593 | |
| Bank of America Corp. Charlotte | 15.6 | 12.7 | 150,456,336 | 44.4 | 967,736,912 | |
| 37 | Republic Bancorp Inc. Louisville | 15.5 | 14.4 | 360,601 | 4.3 | 2,325,131 |
| LNB Bancorp Inc. Lorain, Ohio | 15.5 | 14.2 | 123,803 | 19.7 | 799,219 | |
| 39 | Sandy Spring Bancorp Inc. Olney, Md. | 15.4 | 15.5 | 381,735 | 11.3 | 2,486,959 |
| 40 | NewBridge Bancorp Greensboro, N.C. | 15.3 | 15.2 | 249,587 | 14.1 | 1,626,504 |
| Bridge Bancorp Inc. Bridgehampton, N.Y. | 15.3 | 16.8 | 63,244 | 3.7 | 413,193 | |
| 42 | FNB Bancorp Inc. Newtown, Pa. | 15.1 | 12.7 | 56,302 | 24.5 | 373,292 |
| 43 | MSB Mutual Holding Co. Manasquan, N.J. | 15.0 | 13.7 | 63,220 | 6.1 | 422,027 |
| National Bank of Indianapolis Corp. | 15.0 | 12.9 | 130,761 | 28.5 | 873,116 | |
| 45 | Huntington Bancshares Inc. Columbus, Ohio | 14.9 | 17.9 | 6,162,694 | -15.0 | 41,460,662 |
| First Citizens Bancorp. Inc. Columbia, S.C. | 14.9 | 14.5 | 677,190 | 14.4 | 4,558,288 | |
| 47 | Town and Country Financial Corp. Springfield, Ill. | 14.8 | 13.7 | 34,014 | 2.8 | 229,896 |
| 48 | Bank of Hawaii Corp. Honolulu | 14.7 | 14.3 | 965,901 | 2.3 | 6,554,361 |
| 49 | NVE Bancorp MHC Englewood, N.J. | 14.6 | 16.1 | 38,974 | -2.3 | 266,505 |
| Alliance Bankshares Corp. Chantilly, Va. | 14.6 | 14.8 | 54,132 | -8.3 | 371,757 | |
| 51 | First Bancorp. of Durango Inc. Inverness, Ill. | 14.5 | 12.4 | 43,105 | 17.7 | 297,686 |
| 52 | Rockville Financial MHC Inc. Vernon Rockville, Conn. | 14.4 | 15.6 | 181,250 | 3.3 | 1,262,008 |
| Vist Financial Corp. Wyomissing, Pa. | 14.4 | 14.7 | 125,020 | 5.3 | 871,154 | |
| 54 | QNB Corp. Quakertown, Pa. | 14.3 | 13.5 | 54,424 | 10.1 | 380,105 |
| Washington Trust Bancorp Inc. Westerly, R.I. | 14.3 | 15.8 | 252,527 | 5.4 | 1,770,114 | |
| Commonwealth Bancshares Inc. Louisville | 14.3 | 17.5 | 91,679 | -3.8 | 642,593 | |
| 57 | Bancorp Rhode Island Inc. Providence | 14.2 | 15.6 | 150,924 | -5.6 | 1,060,739 |
| Regions Financial Corp. Birmingham, Ala. | 14.2 | 13.1 | 14,150,201 | 13.6 | 99,923,136 | |
| 59 | First Banking Center Inc. Burlington, Wis. | 14.1 | 13.5 | 105,561 | 19.4 | 750,924 |
| 60 | Sun Bancorp Inc. Vineland, N.J. | 14.0 | 14.2 | 373,473 | 6.5 | 2,666,139 |
| 61 | Klein Financial Inc. Chaska, Minn. | 13.9 | 14.5 | 150,716 | 14.4 | 1,081,647 |
| First Mariner Bancorp Baltimore | 13.9 | 14.3 | 138,950 | 7.2 | 998,379 | |
| Alpine Banks of Colorado Glenwood Springs | 13.9 | 14.2 | 289,757 | 23.6 | 2,086,394 | |
| Independent Bank Corp. Rockland, Mass. | 13.9 | 15.2 | 357,909 | 18.6 | 2,583,916 | |
| 65 | Fifth Third Bancorp Cincinnati | 13.8 | 14.2 | 11,963,962 | 7.0 | 86,495,930 |
| Bremer Financial Corp. St. Paul | 13.8 | 14.8 | 780,825 | -0.3 | 5,658,558 | |
| Marquette National Corp. Chicago | 13.8 | 12.8 | 154,842 | 20.0 | 1,126,078 | |
| 68 | First Waterloo Bancshares Inc. Ill. | 13.7 | 13.3 | 19,383 | -2.6 | 140,987 |
| Indiana Community Bancorp Columbus | 13.7 | 15.0 | 109,323 | -0.2 | 798,606 | |
| TD Banknorth Inc. Portland, Maine | 13.7 | 13.0 | 6,778,519 | 95.5 | 49,634,375 | |
| 71 | Cambridge Bancorp Mass. | 13.6 | 14.2 | 62,977 | 8.9 | 462,966 |
| Tampa Banking Co. | 13.6 | 11.5 | 88,904 | 24.9 | 653,557 | |
| 73 | Codorus Valley Bancorp Inc. York, Pa. | 13.5 | 13.1 | 72,105 | 24.5 | 535,280 |
| 74 | FirstMerit Corp. Akron | 13.4 | 14.2 | 989,368 | -1.1 | 7,390,854 |
| Harris Financial Corp. Wilmington, Del. | 13.4 | 13.0 | 5,200,698 | 17.3 | 38,911,115 | |
| 76 | Tri City Bankshares Corp. Oak Creek, Wis. | 13.1 | 12.8 | 77,765 | 7.9 | 593,062 |
| Bangor Bancorp MHC Maine | 13.1 | 12.8 | 223,926 | 4.8 | 1,708,708 | |
| City Holding Co. Charleston, W.Va. | 13.1 | 13.9 | 232,693 | -2.7 | 1,777,693 | |
| MountainOne Financial Partners MHC North Adams, Mass. | 13.1 | 13.2 | 59,928 | 3.0 | 458,938 | |
| 80 | Wintrust Financial Corp. Lake Forest, Ill. | 12.9 | 10.9 | 955,861 | 26.1 | 7,410,379 |
| Trinity Capital Corp. Los Alamos, N.M. | 12.9 | 12.7 | 156,445 | 3.7 | 1,213,962 | |
| 82 | F&M Financial Corp. Granite Quarry, N.C. | 12.8 | 13.0 | 74,075 | 15.2 | 576,912 |
| Florida Bank Group Inc. Tampa | 12.8 | 12.2 | 86,821 | 19.5 | 676,906 | |
| Associated Banc-Corp Green Bay, Wis. | 12.8 | 14.7 | 2,085,676 | -6.6 | 16,313,399 | |
| 85 | Peoples Bancorp of North Carolina Inc. Newton | 12.7 | 11.7 | 97,210 | 20.8 | 765,104 |
| Northfield MHC Vt. | 12.7 | 12.8 | 56,087 | 5.8 | 442,016 | |
| Palm Bancorp Palmerton, Pa. | 12.7 | 11.8 | 42,906 | 17.3 | 338,476 | |
| 88 | Nicolet Bankshares Inc. Green Bay, Wis. | 12.6 | 9.4 | 59,106 | 45.1 | 467,987 |
| First Chester County Corp. West Chester, Pa. | 12.6 | 12.8 | 101,936 | 10.8 | 808,931 | |
| National Penn Bancshares Inc. Boyertown, Pa. | 12.6 | 11.8 | 782,061 | 74.9 | 6,207,621 | |
| Great Lakes Financial Resources Inc. Matteson, Ill. | 12.6 | 11.5 | 55,751 | 0.7 | 443,124 | |
| 92 | Camden National Corp. Maine | 12.5 | 9.2 | 190,427 | 76.8 | 1,519,339 |
| Oxford Bank Corp. Mich. | 12.5 | 8.1 | 35,831 | 27.2 | 286,872 | |
| 94 | FSB Mutual Holdings Inc. Perkasie, Pa. | 12.3 | 12.0 | 82,393 | 11.2 | 668,622 |
| Foster Bankshares Inc. Chicago | 12.3 | 11.3 | 63,803 | 21.5 | 520,809 | |
| 96 | Penseco Financial Services Corp. Scranton, Pa. | 12.2 | 11.9 | 52,862 | 12.0 | 432,980 |
| Macon Bancorp Franklin, N.C. | 12.2 | 11.5 | 99,084 | 4.0 | 814,135 | |
| KeyCorp Cleveland | 12.2 | 12.3 | 9,495,390 | 5.1 | 78,179,813 | |
| Coastal Affiliates MHC Yarmouth Port, Mass. | 12.2 | NA | 54,420 | NA | 447,795 | |
| 100 | Glacier Bancorp Inc. Kalispell, Mont. | 12.1 | 11.1 | 476,045 | 23.0 | 3,922,621 |
| ACNB Corp. Gettysburg, Pa. | 12.1 | 12.7 | 75,143 | 7.4 | 622,804 | |
| West Coast Bancorp Lake Oswego, Ore. | 12.1 | 9.8 | 254,143 | 18.3 | 2,109,857 | |
| 103 | Fulton Financial Corp. Lancaster, Pa. | 12.0 | 11.0 | 1,428,027 | 16.6 | 11,894,619 |
| Southern Bancshares N.C. Inc. Mount Olive | 12.0 | 12.1 | 86,207 | -1.1 | 719,774 | |
| Community Bancorp. Derby, Vt. | 12.0 | NA | 42,926 | NA | 358,749 | |
| Bank of South Carolina Corp. Charleston | 12.0 | 9.8 | 21,096 | 38.2 | 176,618 | |
| 107 | CCFNB Bancorp Inc. Bloomsburg, Pa. | 11.9 | NA | 38,787 | NA | 324,746 |
| First Financial Bancorp. Cincinnati | 11.9 | 10.8 | 317,754 | 13.3 | 2,675,694 | |
| Century Bancorp Inc. Medford, Mass. | 11.9 | 9.1 | 95,069 | 41.9 | 801,646 | |
| 110 | First State Financial Corp. St. Clair Shores, Mich. | 11.8 | 11.1 | 44,191 | -9.0 | 374,704 |
| 111 | Palos Bancshares Inc. Palos Heights, Ill. | 11.7 | 13.0 | 44,666 | 2.3 | 380,627 |
| F&M Bank Corp. Timberville, Va. | 11.7 | 11.7 | 44,685 | 23.0 | 381,791 | |
| W.T.B. Financial Corp. Spokane | 11.7 | 10.0 | 374,103 | 29.5 | 3,201,227 | |
| CNB Financial Corp. Clearfield, Pa. | 11.7 | 10.3 | 78,767 | 30.4 | 674,086 | |
| 115 | Commercial Holding Co. Paris, Tenn. | 11.6 | 11.2 | 53,329 | 24.5 | 459,486 |
| First Litchfield Financial Corp. Conn. | 11.6 | 11.1 | 41,062 | 17.5 | 354,004 | |
| 117 | OceanPoint Financial Partners MHC Newport, R.I. | 11.5 | 14.0 | 91,526 | -5.4 | 794,785 |
| Community Valley Bancorp Chico, Calif. | 11.5 | 10.0 | 58,032 | 21.8 | 504,171 | |
| Suburban Illinois Bancorp Inc. Elmhurst | 11.5 | 9.9 | 58,044 | 38.2 | 504,382 | |
| Shore Bancshares Inc. Easton, Md. | 11.5 | 10.5 | 99,583 | 26.0 | 865,437 | |
| Florence Bancorp MHC Mass. | 11.5 | 12.6 | 79,372 | -0.2 | 691,218 | |
| 122 | Financial Institutions Inc. Warsaw, N.Y. | 11.4 | 13.2 | 123,235 | -1.7 | 1,079,131 |
| Eagle Financial Services Inc. Berryville, Va. | 11.4 | 12.6 | 44,568 | -8.8 | 391,389 | |
| Fidelity Bancshares N.C. Inc. Fuquay-Varina | 11.4 | 10.9 | 113,583 | 5.0 | 999,492 | |
| 125 | United Bankshares Inc. Charleston, W.Va. | 11.3 | 11.2 | 669,315 | 7.2 | 5,912,336 |
| Merchants Financial Group Inc. Winona, Minn. | 11.3 | 12.1 | 76,735 | 1.7 | 677,629 | |
| Southern First Bancshares Inc. Greenville, S.C. | 11.3 | 9.8 | 63,239 | 33.4 | 561,275 | |
| Central Jersey Bancorp Oakhurst | 11.3 | 10.9 | 39,063 | 15.9 | 347,043 | |
| 129 | StellarOne Corp. Charlottesville, Va. | 11.2 | 10.5 | 257,755 | 102.2 | 2,295,981 |
| Citizens Republic Bancorp Inc. Flint, Mich. | 11.2 | 12.1 | 1,062,881 | -5.3 | 9,484,728 | |
| DNB Financial Corp. Downingtown, Pa. | 11.2 | 11.4 | 38,377 | 5.0 | 342,898 | |
| Ambank Holdings Inc. Davenport, Iowa | 11.2 | 10.3 | 60,020 | 24.5 | 537,969 | |
| 133 | Pennsylvania Commerce Bancorp Inc. Harrisburg | 11.0 | 12.4 | 155,950 | 11.8 | 1,414,972 |
| First Bancorp Troy, N.C. | 11.0 | 11.2 | 243,385 | 18.4 | 2,215,209 | |
| 135 | Yadkin Valley Financial Corp. Elkin, N.C. | 10.9 | 11.2 | 126,684 | 27.2 | 1,163,460 |
| S.Y. Bancorp Inc. Louisville | 10.9 | 11.7 | 143,130 | 5.2 | 1,318,993 | |
| NewAlliance Bancshares Inc. New Haven | 10.9 | 11.6 | 538,738 | -0.3 | 4,958,182 | |
| Warren Bancorp Inc. Clinton Township, Mich. | 10.9 | 8.4 | 45,764 | 23.1 | 421,915 | |
| 139 | Arthur Financial Corp. Union, S.C. | 10.8 | 9.8 | 57,773 | 27.5 | 534,566 |
| LSB Financial Laconia, N.H. | 10.8 | 10.7 | 71,735 | 10.2 | 665,081 | |
| Anchor Bancorp Inc. Wayzata, Minn. | 10.8 | 11.4 | 107,636 | 5.1 | 999,171 | |
| Orrstown Financial Services Inc. Shippensburg, Pa. | 10.8 | 10.0 | 84,364 | 23.0 | 784,073 | |
| 143 | Cummins-American Corp. Glenview, Ill. | 10.7 | 10.0 | 61,084 | 13.3 | 568,979 |
| Cardinal Financial Corp. McLean, Va. | 10.7 | 10.8 | 130,598 | 7.9 | 1,221,084 | |
| Center Bancorp Inc. Union, N.J. | 10.7 | 13.2 | 70,696 | -2.8 | 661,157 | |
| American Chartered Bancorp Inc. Schaumburg, Ill. | 10.7 | 9.9 | 237,790 | 26.6 | 2,225,018 | |
| American National Bankshares Inc. Danville, Va. | 10.7 | 9.5 | 61,609 | 16.9 | 578,867 | |
| 148 | MainSource Financial Group Inc. Greensburg, Ind. | 10.6 | 10.9 | 207,769 | 14.8 | 1,960,776 |
| American Community Bancshares Inc. Charlotte | 10.6 | 9.1 | 44,635 | 32.2 | 421,141 | |
| First Bancorp Inc. Damariscotta, Maine | 10.6 | 11.0 | 101,815 | 4.0 | 962,100 | |
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.© 2009 American Banker