Bank Holding Companies with the Most Employees
May 28, 2010, 4:50 p.m. EDT 1 Min Read
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Bank Holding Companies with the Most Employees
Bank Holding Companies with the Most EmployeesFull-time equivalent on Dec. 31, 2009. Dollars in thousands | |||||
|---|---|---|---|---|---|
| Rank | Dec. 31 | Year earlier | Change | Assets | |
| 1 | Citigroup Inc. New York | 290,786 | 344,177 | -15.50% | $1,856,646,000 |
| 2 | Bank of America Corp. Charlotte | 283,717 | 240,202 | 18.10 | 2,224,539,279 |
| 3 | Wells Fargo & Co. San Francisco | 267,300 | 270,816 | -1.30 | 1,243,646,000 |
| 4 | JPMorgan Chase & Co. New York | 211,517 | 217,965 | -3.00 | 2,031,989,000 |
| 5 | Morgan Stanley New York | 61,388 | NA | NA | 771,462,000 |
| 6 | American Express Co. New York | 58,287 | NA | NA | 123,053,223 |
| 7 | U.S. Bancorp Minneapolis | 58,229 | 57,904 | 0.60 | 281,176,000 |
| 8 | PNC Financial Services Group Inc. Pittsburgh | 56,095 | 57,391 | -2.30 | 269,921,958 |
| 9 | MetLife Inc. New York | 53,570 | 54,818 | -2.30 | 539,314,240 |
| 10 | Bank of New York Mellon Corp. | 42,200 | 42,900 | -1.60 | 212,336,000 |
| 11 | Goldman Sachs Group Inc. New York | 32,500 | NA | NA | 849,278,000 |
| 12 | BB&T Corp. Winston-Salem, N.C. | 32,284 | 29,633 | 8.90 | 165,764,218 |
| 13 | Regions Financial Corp. Birmingham, Ala. | 28,509 | 30,784 | -7.40 | 142,354,415 |
| 14 | SunTrust Banks Inc. Atlanta | 28,001 | 29,333 | -4.50 | 174,166,407 |
| 15 | State Street Corp. Boston | 27,310 | 28,475 | -4.10 | 156,755,765 |
| 16 | Capital One Financial Corp. McLean, Va. | 25,919 | 23,724 | 9.30 | 169,400,094 |
| 17 | Fifth Third Bancorp Cincinnati | 20,998 | 21,476 | -2.20 | 113,379,555 |
| 18 | GMAC Inc. Detroit | 19,767 | NA | NA | 172,313,000 |
| 19 | KeyCorp Cleveland | 16,254 | 17,638 | -7.80 | 93,381,546 |
| 20 | Northern Trust Corp. Chicago | 12,408 | 12,180 | 1.90 | 82,141,531 |
| 21 | Zions Bancorp. Salt Lake City | 10,529 | 11,011 | -4.40 | 51,144,478 |
| 22 | Huntington Bancshares Inc. Columbus, Ohio | 10,272 | 10,951 | -6.20 | 51,554,989 |
| 23 | Popular Inc. Hato Rey, Puerto Rico | 9,407 | 10,587 | -11.10 | 34,736,000 |
| 24 | Discover Financial Services Riverwoods, Ill. | 9,392 | NA | NA | 68,570,088 |
| 25 | Comerica Inc. Dallas | 9,330 | 10,186 | -8.40 | 59,398,720 |
| 26 | Marshall & Ilsley Corp. Milwaukee | 8,851 | 9,499 | -6.80 | 57,268,095 |
| 27 | Franklin Resources Inc. San Mateo, Calif. | 7,708 | 8,608 | -10.50 | 9,151,690 |
| 28 | TCF Financial Corp. Wayzata, Minn. | 6,656 | 6,856 | -2.90 | 17,933,187 |
| 29 | Synovus Financial Corp. Columbus, Ga. | 6,130 | 6,630 | -7.50 | 32,831,418 |
| 30 | First Horizon National Corp. Memphis | 5,731 | 6,095 | -6.00 | 26,069,423 |
| 31 | Arvest Bank Group Inc. Bentonville, Ark. | 5,085 | 4,899 | 3.80 | 11,344,820 |
| 32 | Commerce Bancshares Inc. Kansas City, Mo. | 5,059 | 5,261 | -3.80 | 18,147,945 |
| 33 | Woodforest Financial Group Inc. The Woodlands, Texas | 4,976 | 4,719 | 5.40 | 3,278,385 |
| 34 | Associated Banc-Corp Green Bay, Wis. | 4,784 | 5,139 | -6.90 | 22,864,807 |
| 35 | First Citizens BancShares Inc. Raleigh | 4,697 | 4,525 | 3.80 | 18,464,829 |
| 36 | BancorpSouth Inc. Tupelo, Miss. | 4,442 | 4,542 | -2.20 | 13,174,206 |
| 37 | BOK Financial Corp. Tulsa | 4,355 | 4,300 | 1.30 | 23,529,554 |
| 38 | Stifel Financial Corp. St. Louis | 4,338 | 3,135 | 38.40 | 3,167,356 |
| 39 | CIT Group Inc. New York | 4,293 | NA | NA | 60,029,048 |
| 40 | New York Community Bancorp Inc. Westbury | 3,970 | 2,699 | 47.10 | 42,148,196 |
| 41 | International Bancshares Corp. Laredo, Texas | 3,889 | 3,664 | 6.10 | 11,762,543 |
| 42 | Cullen/Frost Bankers Inc. San Antonio | 3,878 | 3,892 | -0.40 | 16,361,611 |
| 43 | Fulton Financial Corp. Lancaster, Pa. | 3,561 | 3,633 | -2.00 | 16,635,635 |
| 44 | UMB Financial Corp. Kansas City, Mo. | 3,245 | 3,274 | -0.90 | 11,663,356 |
| 45 | City National Corp. Los Angeles | 3,017 | 2,989 | 0.90 | 21,084,847 |
| 46 | Wilmington Trust Corp. Del. | 2,898 | 2,946 | -1.60 | 11,491,586 |
| 47 | Old National Bancorp Evansville, Ind. | 2,812 | 2,507 | 12.20 | 8,005,565 |
| 48 | Susquehanna Bancshares Inc. Lititz, Pa. | 2,785 | 2,988 | -6.80 | 13,689,262 |
| 49 | Webster Financial Corp. Waterbury, Conn. | 2,778 | 2,935 | -5.30 | 17,744,862 |
| 50 | Valley National Bancorp Wayne, N.J. | 2,727 | 2,783 | -2.00 | 14,284,153 |
| 51 | First BanCorp. San Juan, Puerto Rico | 2,714 | 2,882 | -5.80 | 19,628,448 |
| 52 | United National Corp. Sioux Falls, S.D. | 2,685 | 2,374 | 13.10 | 1,684,665 |
| 53 | Whitney Holding Corp. New Orleans | 2,661 | 2,665 | -0.20 | 11,893,800 |
| 54 | PlainsCapital Corp. Dallas | 2,643 | 1,920 | 37.70 | 4,571,067 |
| 55 | Sterling Financial Corp. Spokane | 2,641 | 2,481 | 6.40 | 10,901,745 |
| 56 | Trustmark Corp. Jackson, Miss. | 2,524 | 2,607 | -3.20 | 9,526,018 |
| 57 | FirstMerit Corp. Akron | 2,495 | 2,575 | -3.10 | 10,541,630 |
| 58 | East West Bancorp Inc. Pasadena, Calif. | 2,456 | 1,316 | 86.60 | 20,608,847 |
| 59 | Central Banco. Inc. Jefferson City, Mo. | 2,442 | 2,472 | -1.20 | 9,390,741 |
| 60 | Bank of Hawaii Corp. Honolulu | 2,418 | 2,581 | -6.30 | 12,414,827 |
| 61 | Wintrust Financial Corp. Lake Forest, Ill. | 2,381 | 2,326 | 2.40 | 12,215,620 |
| 62 | F.N.B. Corp. Hermitage, Pa. | 2,361 | 2,350 | 0.50 | 8,709,077 |
| 63 | First Community Bancshares Inc. Killeen, Texas | 2,312 | 2,350 | -1.60 | 1,093,068 |
| 64 | Hancock Holding Co. Gulfport, Miss. | 2,240 | 1,952 | 14.80 | 8,715,237 |
| 65 | South Financial Group Inc. Greenville, S.C. | 2,209 | 2,505 | -11.80 | 11,895,011 |
| 66 | Citizens Republic Bancorp Inc. Flint, Mich. | 2,125 | 2,232 | -4.80 | 11,948,272 |
| 67 | Dickinson Financial Corp. II Kansas City, Mo. | 2,046 | 2,257 | -9.30 | 5,901,049 |
| 68 | Park National Corp. Newark, Ohio | 2,024 | 2,051 | -1.30 | 7,040,329 |
| 69 | FirstBank Holding Co. Lakewood, Colo. | 2,003 | 1,939 | 3.30 | 10,129,222 |
| 70 | First Banks Inc. Clayton, Mo. | 1,944 | 2,201 | -11.70 | 10,569,322 |
| 71 | Iberiabank Corp. Lafayette, La. | 1,863 | 1,312 | 42.00 | 9,700,751 |
| 72 | Umpqua Holdings Corp. Portland, Ore. | 1,857 | 1,700 | 9.20 | 9,388,433 |
| 73 | United Community Banks Inc. Blairsville, Ga. | 1,795 | 1,919 | -6.50 | 7,999,914 |
| 74 | First Citizens Bancorp. Inc. Columbia, S.C. | 1,758 | 1,836 | -4.20 | 8,436,868 |
| 75 | National Penn Bancshares Inc. Boyertown, Pa. | 1,756 | 1,783 | -1.50 | 9,483,910 |
| 76 | First Midwest Bancorp Inc. Itasca, Ill. | 1,739 | 1,809 | -3.90 | 7,710,759 |
| 77 | First Interstate BancSystem Inc. Billings, Mont. | 1,731 | 1,700 | 1.80 | 7,134,445 |
| 78 | Bremer Financial Corp. St. Paul | 1,685 | 1,714 | -1.70 | 7,799,981 |
| 79 | Glacier Bancorp Inc. Kalispell, Mont. | 1,644 | 1,580 | 4.10 | 6,191,795 |
| 80 | MB Financial Inc. Chicago | 1,638 | 1,342 | 22.10 | 10,865,393 |
| 81 | First Commonwealth Financial Corp. Indiana, Pa. | 1,621 | 1,610 | 0.70 | 6,447,197 |
| 82 | Community Bank System Inc. De Witt, N.Y. | 1,596 | 1,615 | -1.20 | 5,402,813 |
| 83 | Prosperity Bancshares Inc. Houston | 1,594 | 1,350 | 18.10 | 8,855,188 |
| 84 | Eastern Bank Corp. Boston | 1,571 | 1,613 | -2.60 | 6,595,054 |
| 85 | United Bankshares Inc. Charleston, W.Va. | 1,477 | 1,531 | -3.50 | 7,805,101 |
| 86 | NBT Bancorp Inc. Norwich, N.Y. | 1,437 | 1,411 | 1.80 | 5,464,026 |
| 87 | BancFirst Corp. Oklahoma City | 1,428 | 1,448 | -1.40 | 4,416,116 |
| 88 | Chemical Financial Corp. Midland, Mich. | 1,427 | 1,416 | 0.80 | 4,250,712 |
| 89 | WesBanco Inc. Wheeling, W.Va. | 1,393 | 1,501 | -7.20 | 5,400,456 |
| 90 | First Financial Bancorp. Cincinnati | 1,390 | 1,061 | 31.00 | 6,681,123 |
| 91 | Pinnacle Bancorp Inc. Central City, Neb. | 1,355 | 1,415 | -4.20 | 5,488,663 |
| 92 | Johnson Financial Group Inc. Racine, Wis. | 1,332 | 1,357 | -1.80 | 6,058,800 |
| 93 | Capitol Bancorp Ltd. Lansing, Mich. | 1,272 | 1,569 | -18.90 | 5,161,436 |
| 94 | SVB Financial Group Santa Clara, Calif. | 1,239 | 1,218 | 1.70 | 12,846,636 |
| 95 | First Merchants Corp. Muncie, Ind. | 1,209 | 1,367 | -11.60 | 4,480,952 |
| 96 | Independent Bank Corp. Ionia, Mich. | 1,207 | 1,222 | -1.20 | 2,965,399 |
| 97 | 1st Source Corp. South Bend, Ind. | 1,169 | 1,254 | -6.80 | 4,542,100 |
| 98 | Pacific Capital Bancorp Santa Barbara, Calif. | 1,164 | 1,372 | -15.20 | 7,542,255 |
| 99 | Doral GP Ltd. San Juan, Puerto Rico | 1,154 | 1,406 | -17.90 | 10,153,652 |
| 100 | Simmons First National Corp. Pine Bluff, Ark. | 1,091 | 1,123 | -2.80 | 3,093,322 |
| 101 | NewAlliance Bancshares Inc. New Haven | 1,069 | 1,113 | -4.00 | 8,434,341 |
| 102 | Banner Corp. Walla Walla, Wash. | 1,059 | 1,095 | -3.30 | 4,722,221 |
| 103 | Westamerica Bancorp. San Rafael, Calif. | 1,051 | 881 | 19.30 | 4,980,178 |
| 104 | PrivateBancorp Inc. Chicago | 1,040 | 773 | 34.50 | 12,059,433 |
| 105 | Capital City Bank Group Inc. Tallahassee, Fla. | 1,021 | 1,036 | -1.40 | 2,694,292 |
| 106 | Sterling Bancshares Inc. Houston | 1,012 | 1,116 | -9.30 | 4,940,185 |
| 107 | Heartland Financial USA Inc. Dubuque, Iowa | 1,001 | 1,006 | -0.50 | 4,012,991 |
| 108 | Intrust Financial Corp. Wichita | 983 | 987 | -0.40 | 3,704,904 |
| 109 | Community Trust Bancorp Inc. Pikeville, Ky. | 982 | 986 | -0.40 | 3,086,659 |
| 110 | Great Southern Bancorp Inc. Springfield, Mo. | 979 | 669 | 46.30 | 3,643,167 |
| 111 | Metro Bancorp Inc. Harrisburg, Pa. | 972 | 966 | 0.60 | 2,147,759 |
| 112 | New York Private Bank and Trust Corp. | 966 | 1,187 | -18.60 | 15,424,018 |
| 113 | Central Pacific Financial Corp. Honolulu | 962 | 1,034 | -7.00 | 4,890,484 |
| 114 | First Financial Bankshares Inc. Abilene, Texas | 954 | 967 | -1.30 | 3,279,456 |
| 115 | First Mariner Bancorp Baltimore | 954 | 975 | -2.20 | 1,385,476 |
| 116 | Cathay General Bancorp El Monte, Calif. | 949 | 999 | -5.00 | 11,588,232 |
| 117 | First Security Bancorp Searcy, Ark. | 938 | 946 | -0.80 | 3,160,160 |
| 118 | S&T Bancorp Inc. Indiana, Pa. | 937 | 963 | -2.70 | 4,170,475 |
| 119 | MainSource Financial Group Inc. Greensburg, Ind. | 934 | 847 | 10.30 | 2,906,530 |
| 120 | Provident Financial Services Inc. Jersey City | 931 | 954 | -2.40 | 6,836,172 |
| 121 | Western Alliance Bancorp. Las Vegas | 930 | 1,057 | -12.00 | 5,753,279 |
| 122 | PacWest Bancorp San Diego | 919 | 914 | 0.50 | 5,325,569 |
| 123 | First Busey Corp. Champaign, Ill. | 912 | 986 | -7.50 | 3,814,852 |
| 124 | Independent Bank Corp. Rockland, Mass. | 908 | 827 | 9.80 | 4,482,021 |
| 125 | Boston Private Financial Holdings Inc. | 859 | 1,220 | -29.60 | 6,071,585 |
| 126 | First Financial Corp. Terre Haute, Ind. | 831 | 767 | 8.30 | 2,515,945 |
| 127 | StellarOne Corp. Charlottesville, Va. | 827 | 846 | -2.20 | 3,033,106 |
| 128 | Renasant Corp. Tupelo, Miss. | 816 | 866 | -5.80 | 3,641,081 |
| 129 | City Holding Co. Charleston, W.Va. | 809 | 826 | -2.10 | 2,632,312 |
| 130 | First National Bank Group Inc. Edinburg, Texas | 801 | 940 | -14.80 | 3,855,480 |
| 131 | BancPlus Corp. Belzoni, Miss. | 777 | 781 | -0.50 | 2,175,918 |
| 132 | Pinnacle Financial Partners Inc. Nashville | 777 | 719 | 8.10 | 5,136,425 |
| 133 | First Bancorp Troy, N.C. | 772 | 648 | 19.10 | 3,551,286 |
| 134 | Cass Information Systems Inc. Bridgeton, Mo. | 769 | 833 | -7.70 | 1,012,981 |
| 135 | Ocean Bankshares Inc. Miami | 767 | 1,042 | -26.40 | 3,970,368 |
| 136 | CVB Financial Corp. Ontario, Calif. | 758 | 716 | 5.90 | 6,741,115 |
| 137 | West Coast Bancorp Lake Oswego, Ore. | 750 | 801 | -6.40 | 2,733,547 |
| 138 | Metropolitan Bank Group Inc. Chicago | 747 | 842 | -11.30 | 3,068,723 |
| 139 | Valley View Bancshares Inc. Overland Park, Kan. | 745 | 766 | -2.70 | 3,248,099 |
| 140 | Sun Bancorp Inc. Vineland, N.J. | 741 | 724 | 2.30 | 3,578,905 |
| 141 | Integra Bank Corp. Evansville, Ind. | 737 | 870 | -15.30 | 2,921,941 |
| 142 | Republic Bancorp Inc. Louisville | 735 | 724 | 1.50 | 3,918,768 |
| 143 | W.T.B. Financial Corp. Spokane | 732 | 755 | -3.00 | 4,104,552 |
| 144 | Bank of the Ozarks Inc. Little Rock | 722 | 705 | 2.40 | 2,770,811 |
| 145 | Green Bankshares Inc. Greeneville, Tenn. | 716 | 737 | -2.80 | 2,619,139 |
| 146 | Columbia Banking System Inc. Tacoma | 715 | 735 | -2.70 | 3,201,183 |
| 147 | Investors Bancorp MHC Short Hills, N.J. | 704 | 554 | 27.10 | 8,362,605 |
| 148 | SCBT Financial Corp. Columbia, S.C. | 700 | 692 | 1.20 | 2,702,188 |
| 149 | Farmers and Merchants Investment Inc. Lincoln, Neb. | 696 | 698 | -0.30 | 2,624,354 |
| 150 | Hampton Roads Bankshares Inc. Norfolk | 676 | 275 | 145.80 | 2,997,636 |
| 151 | Bessemer Group Inc. Woodbridge, N.J. | 672 | 653 | 2.90 | 1,701,302 |
| 152 | Sandy Spring Bancorp Inc. Olney, Md. | 672 | 680 | -1.20 | 3,632,952 |
| 153 | TriCo Bancshares Chico, Calif. | 662 | 625 | 5.90 | 2,170,520 |
| 154 | Union First Market Bankshares Corp. Richmond, Va. | 662 | 670 | -1.20 | 2,588,986 |
| 155 | South Plains Financial Inc. Lubbock | 646 | 630 | 2.50 | 2,169,032 |
| 156 | Apple Financial Holdings Inc. New York | 640 | 664 | -3.60 | 7,367,348 |
| 157 | Sturm Financial Group Inc. Denver | 638 | 774 | -17.60 | 2,088,110 |
| 158 | STAR Financial Group Inc. Fort Wayne, Ind. | 637 | 677 | -5.90 | 1,673,831 |
| 159 | Fremont Bancorp. Calif. | 634 | 495 | 28.10 | 2,363,620 |
| 160 | Landrum Co. Columbia, Mo. | 633 | 691 | -8.40 | 1,466,805 |
| 161 | Broadway Bancshares Inc. San Antonio | 631 | 638 | -1.10 | 2,203,541 |
| 162 | Texas Capital Bancshares Inc. Dallas | 626 | 543 | 15.30 | 5,698,917 |
| 163 | Amarillo National Bancorp Inc. Texas | 623 | 622 | 0.20 | 2,796,347 |
| 164 | Ameris Bancorp Moultrie, Ga. | 615 | 594 | 3.50 | 2,423,970 |
| 165 | Bangor Bancorp MHC Maine | 609 | 582 | 4.60 | 2,365,173 |
| 166 | Home BancShares Inc. Conway, Ark. | 605 | 594 | 1.90 | 2,684,865 |
| 167 | First Chester County Corp. West Chester, Pa. | 601 | 541 | 11.10 | 1,396,990 |
| 168 | ANB Corp. Terrell, Texas | 598 | 727 | -17.70 | 2,211,631 |
| 169 | Central Bancorp Inc. Garland, Texas | 598 | 245 | 144.10 | 2,597,094 |
| 170 | Liberty Bancshares Inc Jonesboro, Ark. | 597 | 589 | 1.40 | 2,550,439 |
| 171 | Community Bancshares of Mississippi Inc. Brandon | 594 | 620 | -4.20 | 2,301,647 |
| 172 | State Bankshares Inc. Fargo, N.D. | 593 | 600 | -1.20 | 2,008,287 |
| 173 | First Community Bancshares Inc. Bluefield, Va. | 589 | 587 | 0.30 | 2,274,876 |
| 174 | Tompkins Financial Corp. Ithaca, N.Y. | 576 | 707 | -18.50 | 3,152,450 |
| 175 | Durant Bancorp Inc. Okla. | 575 | 554 | 3.80 | 2,239,384 |
| 176 | First Bancshares Inc. Merrillville, Ind. | 574 | 622 | -7.70 | 2,011,062 |
| 177 | Financial Institutions Inc. Warsaw, N.Y. | 572 | 600 | -4.70 | 2,062,389 |
| 178 | BancTrust Financial Group Inc. Mobile | 565 | 621 | -9.00 | 1,946,718 |
| 179 | First American Bank Corp. Elk Grove Village, Ill. | 565 | 569 | -0.70 | 2,868,640 |
| 180 | Sterling Bancorp New York | 565 | 562 | 0.50 | 2,164,596 |
| 181 | Southside Bancshares Inc. Tyler, Texas | 561 | 529 | 6.00 | 3,024,288 |
| 182 | American State Financial Corp. Lubbock | 560 | 551 | 1.60 | 2,406,683 |
| 183 | Whitaker Bank Corp. of Kentucky Lexington | 558 | 566 | -1.40 | 1,953,232 |
| 184 | Yadkin Valley Financial Corp. Elkin, N.C. | 557 | 455 | 22.40 | 2,113,612 |
| 185 | Farmers Capital Bank Corp. Frankfort, Ky. | 547 | 579 | -5.50 | 2,171,562 |
| 186 | CoBiz Financial Inc. Denver | 545 | 535 | 1.90 | 2,466,015 |
| 187 | First State Bancorp. Albuquerque | 542 | 813 | -33.30 | 2,745,336 |
| 188 | Peoples Bancorp Inc. Marietta, Ohio | 536 | 546 | -1.80 | 2,002,272 |
| 189 | Univest Corp. of Pennsylvania Souderton | 536 | 538 | -0.40 | 2,085,421 |
| 190 | Standard Bancshares Inc. Hickory Hills, Ill. | 534 | 575 | -7.10 | 2,387,343 |
| 191 | Sunflower Financial Inc. Salina, Kan. | 534 | 539 | -0.90 | 1,809,955 |
| 192 | FNB United Corp. Asheboro, N.C. | 533 | 522 | 2.10 | 2,099,850 |
| 193 | Lakeland Bancorp Inc. Oak Ridge, N.J. | 533 | 521 | 2.30 | 2,724,067 |
| 194 | AmericanWest Bancorp. Spokane | 531 | 616 | -13.80 | 1,655,553 |
| 195 | Oriental Financial Group Inc. San Juan, Puerto Rico | 526 | 539 | -2.40 | 6,550,833 |
| 196 | Middlesex Bancorp MHC Natick, Mass. | 522 | NA | NA | 3,954,049 |
| 197 | Alpine Banks of Colorado Glenwood Springs | 521 | 527 | -1.10 | 2,672,050 |
| 198 | North American Bancshares Inc. Sherman, Texas | 520 | 551 | -5.60 | 1,851,600 |
| 199 | Old Second Bancorp Inc. Aurora, Ill. | 514 | 615 | -16.40 | 2,596,657 |
| 200 | Spirit Bankcorp Inc. Bristow, Okla. | 514 | 445 | 15.50 | 1,377,818 |
Includes employees of holding companies and subsidiaries. Domestic subsidiaries of foreign holding companies were excluded. Based on Y9C filings for top-tier bank holding companies. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of May 1, 2010.
Source:
SNL Financial
, Charlottesville, Va. © 2010 American Banker