Banking Companies with the Highest Multiples of Net Income to Salary, Benefits

November 10, 2014, 1:15 p.m. EST 1 Min Read

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Banking Companies with the Highest Multiples of Net Income to Salary, BenefitsYear to date through March 31, 2014. Dollars in thousands Published November 10, 2014
Rank		Multiple	Net income	Salary and benefits	Return on average assets
1	Beal Financial Corp. Plano, Texas	10.58	$140,469	$13,282	6.58%
2	Briscoe Ranch Inc. Uvalde, Texas	7.30	15,245	2,089	4.73
3	Riverview Bancorp Inc. Vancouver, Wash.	4.13	16,641	4,033	8.32
4	Stearns Financial Services Inc. St. Cloud, Minn.	2.82	16,997	6,029	4.13
5	Educational Services of America Inc. Knoxville, Tenn.	2.46	8,075	3,289	1.17
6	Five Star Bancorp Rocklin, Calif.	2.44	3,036	1,244	2.14
7	Capitol Bancorp. Inc. Britton, S.D.	2.33	4,776	2,048	2.53
8	First NBC Bank Holding Co. New Orleans	2.26	12,829	5,676	1.52
9	United National Corp. Sioux Falls, S.D.	2.10	79,292	37,696	14.02
	Charter Bankshares Inc. Eau Claire, Wis.	2.10	3,952	1,881	2.20
11	John Deere Capital Corp. Reno, Nev.	2.05	140,732	68,515	1.79
12	Discover Financial Services Riverwoods, Ill.	2.03	631,362	311,768	3.17
13	Lakeside Bancorp Inc. Chicago	1.93	4,867	2,525	1.72
14	First Berne Financial Corp. Ind.	1.92	3,089	1,605	2.31
	BofI Holding Inc. San Diego	1.92	14,610	7,628	1.57
16	Northwest Bancorp. of Illinois Inc. Palatine	1.91	1,507	789	2.16
17	Clayton Bancorp Inc. Knoxville, Tenn.	1.89	7,055	3,724	2.88
	Citywide Banks of Colorado Inc. Denver	1.89	11,961	6,322	4.03
19	Capitol Federal Financial Inc. Topeka, Kan.	1.85	19,688	10,614	0.87
20	Olney Bancshares of Texas Inc.	1.83	12,268	6,689	1.94
21	Ambank Co. Inc. Sioux Center, Iowa	1.79	4,764	2,655	2.05
22	Malaga Financial Corp. Palos Verdes Estates, Calif.	1.77	2,733	1,543	1.23
23	Heritage Group Inc. Aurora, Neb.	1.72	2,649	1,544	1.70
24	Sterling Bancorp Inc. Southfield, Mich.	1.71	4,287	2,507	1.71
25	Bridgeview Bancorp Inc. Ill.	1.70	17,058	10,040	6.79
26	Choice Financial Holdings Inc. Grafton, N.D.	1.67	4,947	2,959	2.31
27	FCT Bancshares Inc. Waco, Texas	1.66	3,086	1,859	1.72
28	First Illinois Bancorp Inc. East St. Louis	1.62	2,299	1,417	1.73
29	Franklin Financial Corp. Glen Allen, Va.	1.60	4,403	2,745	1.63
	Putnam Bancshares Inc. Hurricane, W.Va.	1.60	1,477	923	0.94
	Lauritzen Corp. Omaha, Neb.	1.60	15,965	10,006	3.50
32	Oritani Financial Corp. Township of Washington, N.J.	1.59	10,739	6,751	1.46
33	Industry Bancshares Inc. Texas	1.58	8,708	5,512	1.34
34	Silver Queen Financial Services Inc. Greenwood Village, Colo.	1.57	2,745	1,745	0.63
35	Prosperity Bancshares Inc. Houston	1.55	67,137	43,408	1.43
36	Bank of Southside Virginia Corp. Carson	1.54	2,442	1,588	1.70
	First Community Holdings Santa Rosa, Calif.	1.54	3,327	2,167	1.72
38	First Bemidji Holding Co. Minn.	1.53	2,571	1,682	1.76
	ServisFirst Bancshares Inc. Birmingham, Ala.	1.53	11,756	7,697	1.35
40	New York Community Bancorp Inc. Westbury	1.52	115,254	75,740	0.98
41	Franklin Resources Inc. San Mateo, Calif.	1.51	561,010	372,279	14.20
42	Amarillo National Bancorp Inc. Texas	1.50	17,667	11,792	1.85
43	Citizens Bankshares Inc. Farmington, N.M.	1.48	2,634	1,775	1.48
	CVB Financial Corp. Ontario, Calif.	1.48	28,661	19,417	1.69
45	National Bankshares Inc. Blacksburg, Va.	1.47	4,404	2,999	1.56
	Nodaway Valley Bancshares Inc. Maryville, Mo.	1.47	3,915	2,672	1.93
47	First-West Texas Bancshares Inc. Midland	1.46	3,305	2,260	1.39
48	TrustCo Bank Corp NY Glenville	1.45	11,011	7,592	0.97
49	Home BancShares Inc. Conway, Ark.	1.44	27,337	18,933	1.62
50	International Bancshares Corp. Laredo, Texas	1.44	43,646	30,244	1.45
51	Washington Federal Inc. Seattle	1.43	38,657	27,011	1.07
	Bank of the Ozarks Inc. Little Rock, Ark.	1.43	25,276	17,689	2.10
53	First Security Bancorp Searcy, Ark.	1.41	25,000	17,754	2.22
54	Luther Burbank Corp. Santa Rosa, Calif.	1.40	11,364	8,094	1.24
	Intervest Bancshares Corp. New York	1.40	3,842	2,737	0.97
	Integrity Bancshares Inc. Camp Hill, Pa.	1.40	2,144	1,532	1.14
	Magnolia Banking Corp. Ark.	1.40	4,077	2,916	1.98
58	Manhattan Banking Corp. Kan.	1.38	4,719	3,411	1.71
59	Ames National Corp. Iowa	1.37	4,526	3,295	1.46
60	Whitcorp Financial Co. Leoti, Kan.	1.35	3,434	2,536	1.82
	Cathay General Bancorp Los Angeles	1.35	31,259	23,101	1.17
	Villages Bancorp. Inc. The Villages, Fla.	1.35	3,646	2,698	0.90
	Centrabanc Corp. Waco, Texas	1.35	2,598	1,924	1.53
64	Waupaca Bancorp. Inc. Wis.	1.34	3,758	2,802	1.94
	Ida Grove Bancshares Inc. Iowa	1.34	5,394	4,040	1.70
66	ConnectOne Bancorp Inc. Englewood Cliffs, N.J.	1.32	4,398	3,332	1.05
67	Stockman Financial Corp. Miles City, Mont.	1.29	10,787	8,336	1.69
	Inwood Bancshares Inc. Dallas	1.29	6,251	4,842	1.57
	East West Bancorp Inc. Pasadena, Calif.	1.29	76,741	59,454	1.16
70	FEO Investments Inc. Norfolk, Neb.	1.28	1,841	1,435	1.19
	First Financial Bankshares Inc. Abilene, Texas	1.28	22,336	17,504	1.73
72	Hudson City Bancorp Inc. Paramus, N.J.	1.27	42,521	33,610	0.44
73	Parke Bancorp Inc. Sewell, N.J.	1.26	2,326	1,843	1.17
	Watford City Bancshares Inc. N.D.	1.26	9,465	7,518	2.26
75	Peoples Bancorp Inc. Prairie Du Chien, Wis.	1.22	2,201	1,799	1.59
	General Electric Capital Corp. Norwalk, Conn.	1.22	1,949,328	1,601,504	1.48
	American Bank Inc. Allentown, Pa.	1.22	1,163	956	0.90
78	Hometown Community Bancorp Inc. Morton, Ill.	1.21	9,318	7,701	1.32
	Ouachita Bancshares Corp. Monroe, La.	1.21	3,412	2,820	2.09
	Central Community Corp. Temple, Texas	1.21	5,483	4,539	1.61
81	Midland Financial Co. Oklahoma City	1.20	56,776	47,275	2.28
82	Traditional Bancorp. Inc. Mount Sterling, Ky.	1.19	4,285	3,605	1.54
	Security Star Bancshares Inc. Midland, Texas	1.19	4,326	3,645	2.15
84	Blackhawk Bancorp. Inc. Milan, Ill.	1.18	3,263	2,777	1.21
85	First Fidelity Bancorp Inc. Oklahoma City	1.16	6,439	5,556	1.84
	BBCN Bancorp Inc. Los Angeles	1.16	22,196	19,157	1.36
87	United Services Automobile Association San Antonio	1.15	1,092,627	949,433	3.47
88	Farmers Bancorp Inc. Blytheville, Ark.	1.14	1,654	1,445	1.60
	Heritage Bancorp Reno, Nev.	1.14	1,906	1,666	1.47
	Heartland Bancorp Inc. Bloomington, Ill.	1.14	12,124	10,620	1.87
	LegacyTexas Group Inc. Plano	1.14	9,567	8,412	2.18
92	BankUnited Inc. Miami Lakes, Fla.	1.12	55,271	49,310	1.45
93	H&R Block Inc. Kansas City, Mo.	1.11	638,785	573,054	59.05
	First Financial Banc Corp. El Dorado, Ark.	1.11	4,697	4,221	2.17
	OFG Bancorp San Juan, Puerto Rico	1.11	23,747	21,383	1.18
	Citizens Bancshares Inc. Bluffton, Ohio	1.11	2,795	2,527	1.70
97	Hills Bancorp. Iowa	1.09	6,744	6,183	1.25
	Citizens Financial Services Inc. Mansfield, Pa.	1.09	3,176	2,918	1.41
99	Westamerica Bancorp. San Rafael, Calif.	1.08	15,307	14,126	1.25
	Pinnacle Bancorp Inc. Central City, Neb.	1.08	27,766	25,712	1.47
101	Hometown Banc Corp Grand Island, Neb.	1.07	3,644	3,395	1.28
	NEB Corp. Fond Du Lac, Wis.	1.07	4,919	4,583	1.17
	WestStar Bank Holding Co. Inc. El Paso, Texas	1.07	5,088	4,747	1.96
	West Bancorp. Inc. West Des Moines, Iowa	1.07	4,400	4,111	1.21
105	Ironhorse Financial Group Inc. Muskogee, Okla.	1.06	6,340	5,963	2.37
	First Nebraska Bancs Inc. Sidney	1.06	2,193	2,065	1.53
	First National Bancshares Inc. East Lansing, Mich.	1.06	3,607	3,412	2.01
	Sequatchie Valley Bancshares Inc. Dunlap, Tenn.	1.06	2,634	2,493	1.70
	Lakeland Financial Corp. Warsaw, Ind.	1.06	9,912	9,389	1.24
	First of Long Island Corp. Glen Head, N.Y.	1.06	5,957	5,643	1.00
111	Western Alliance Bancorp. Phoenix	1.05	31,085	29,555	1.33
	Northern Bankshares Inc. McFarland, Wis.	1.05	1,756	1,671	1.69
	City Holding Co. Charleston, W.Va.	1.05	13,803	13,164	1.63
114	Dime Community Bancshares Inc. Brooklyn, N.Y.	1.04	10,034	9,618	0.97
	Liberty Bancshares Inc. Springfield, Mo.	1.04	4,315	4,139	1.64
	Independence Bancshares Inc. Owensboro, Ky.	1.04	5,043	4,861	1.45
117	First National Community Bancorp Inc. Dunmore, Pa.	1.03	3,513	3,400	1.43
	CBX Corp. Carrollton, Ill.	1.03	3,607	3,491	1.26
	PeoplesSouth Bancshares Inc. Colquitt, Ga.	1.03	1,701	1,649	1.43
120	Plains Bancorp Inc. Dimmitt, Texas	1.02	4,021	3,950	1.40
121	Scottrade Financial Services Inc. St. Louis	1.01	87,081	86,307	1.36
	First Breckinridge Bancshares Inc. Irvington, Ky.	1.01	3,157	3,131	1.62
	Bank First National Corp. Manitowoc, Wis.	1.01	3,202	3,184	1.23
	Apple Financial Holdings Inc. New York	1.01	16,635	16,548	0.57
125	Forstrom Bancorp. Inc. Clara City, Minn.	1.00	1,568	1,572	1.13
	E-Trade Financial Corp. New York	1.00	96,661	97,017	0.83
	U.S. Bancorp Minneapolis	1.00	1,397,000	1,404,000	1.53
128	Wilshire Bancorp Inc. Los Angeles	0.99	13,113	13,204	1.44
129	215 Holding Co. Minneapolis	0.98	2,669	2,713	1.61
	United Bankshares Inc. Charleston, W.Va.	0.98	30,124	30,631	1.12
	Hanmi Financial Corp. Los Angeles	0.98	11,034	11,241	1.47
	PNC Financial Services Group Inc. Pittsburgh	0.98	1,062,156	1,082,349	1.33
	1st Summit Bancorp of Johnstown Inc. Pa.	0.98	2,444	2,491	1.12
	First Paragould Bankshares Inc. Ark.	0.98	2,310	2,366	1.24
	Northfield Bancorp Inc. Woodbridge, N.J.	0.98	5,220	5,353	0.77
136	Southern Utah Bancorp. Cedar City	0.97	2,514	2,584	1.32
	Paducah Bank Shares Inc. Ky.	0.97	2,269	2,337	1.68
	Bar Harbor Bankshares Maine	0.97	3,787	3,916	1.10
139	SBC Inc. Countryside, Ill.	0.96	1,884	1,953	1.31
	Northern Bancorp Inc. Woburn, Mass.	0.96	3,011	3,132	1.10
	Capital One Financial Corp. McLean, Va.	0.96	1,153,507	1,205,569	1.56
142	ESB Financial Corp. Ellwood City, Pa.	0.95	4,340	4,548	0.90
	Astoria Financial Corp. Lake Success, N.Y.	0.95	31,549	33,119	0.80
	Dakota Community Banshares Inc. Hebron, N.D.	0.95	2,738	2,878	1.58
	First Financial Northwest Inc. Renton, Wash.	0.95	2,645	2,793	1.16
	Glacier Bancorp Inc. Kalispell, Mont.	0.95	26,730	28,248	1.37
147	Financial Corp. of Louisiana Crowley	0.94	2,640	2,794	1.64
	North American Bancshares Inc. Sherman, Texas	0.94	6,114	6,486	1.17
	CNB Bancshares Inc. Sevierville, Tenn.	0.94	2,547	2,715	1.19
150	Bancshares of Jackson Hole Inc. Jackson, Wyo.	0.93	1,609	1,727	1.18
	Ameri-National Corp. Overland Park, Kan.	0.93	5,033	5,405	3.57
	American Express Co. New York	0.93	1,432,000	1,540,000	3.78
	RBB Bancorp Los Angeles	0.93	2,493	2,686	1.35
	First Bancorp Inc. Damariscotta, Maine	0.93	3,428	3,705	0.93
155	Premier Financial Bancorp Inc. Huntington, W.Va.	0.92	3,670	3,984	1.33
	Peoples Financial Services Corp. Scranton, Pa.	0.92	4,698	5,100	1.05
	WSFS Financial Corp. Wilmington, Del.	0.92	16,911	18,365	1.52
	Eagle Bancorp Inc. Bethesda, Md.	0.92	12,524	13,608	1.34
159	S&T Bancorp Inc. Indiana, Pa.	0.91	14,033	15,376	1.21
	Talmer Bancorp Inc. Troy, Mich.	0.91	32,667	35,864	2.36
	First Arkansas BancShares Inc. Jacksonville	0.91	3,290	3,621	1.98
	Norwood Financial Corp. Honesdale, Pa.	0.91	1,964	2,165	1.11
	UBT Bancshares Inc. Marysville, Kan.	0.91	1,194	1,319	0.85
164	First York Ban Corp. Neb.	0.89	4,845	5,420	1.55
	Ally Financial Inc. Detroit	0.89	227,000	254,000	0.60
	SVB Financial Group Santa Clara, Calif.	0.89	91,301	102,297	1.31
	FirstBank Holding Co. Lakewood, Colo.	0.89	36,960	41,555	1.09
168	First Farmers Financial Corp. Converse, Ind.	0.88	3,939	4,476	1.27
	Anchor Bancorp Inc. Wayzata, Minn.	0.88	5,453	6,200	1.55
	Citizens & Northern Corp. Wellsboro, Pa.	0.88	4,288	4,884	1.41
	Middlefield Banc Corp. Ohio	0.88	1,762	2,008	1.08
172	Midland Bancshares Inc. Texas	0.87	2,534	2,898	0.91
	Fidelity Holding Co. Minnetonka, Minn.	0.87	1,025	1,176	1.06
	Customers Bancorp Inc. Wyomissing, Pa.	0.87	8,136	9,350	0.74
	PacWest Bancorp Los Angeles	0.87	25,080	28,920	1.54
	First New Mexico Financial Corp. Deming	0.87	1,160	1,341	1.08
177	Honat Bancorp Inc. Honesdale, Pa.	0.86	1,685	1,951	1.16
	First Citizens Financial Corp. Mason City, Iowa	0.86	3,262	3,790	1.11
	Merchants & Marine Bancorp Inc. Pascagoula, Miss.	0.86	1,566	1,828	0.98
180	Texas Independent Bancshares Inc. Texas City	0.85	3,859	4,515	1.81
	Bank of Highland Park Financial Corp. Ill.	0.85	2,478	2,900	0.86
182	Alpine Bancorp. Inc. Belvidere, Ill.	0.84	4,722	5,637	1.69
	Community Bank Holdings of Texas Inc. Corsicana	0.83	1,714	2,053	1.36
	Sabine Bancshares Inc. Many, La.	0.83	3,314	3,999	1.73
	Republic Bancorp Inc. Louisville, Ky.	0.83	11,984	14,483	1.34
	IMB HoldCo LLC Pasadena, Calif.	0.83	42,985	51,955	0.78
187	First Bancorp Inc. Lebanon, Va.	0.82	3,984	4,836	1.19
	Amboy Bancorp. Old Bridge, N.J.	0.82	3,765	4,571	0.69
	Midland Financial Corp. Casper, Wyo.	0.82	2,097	2,549	1.24
	American Central Bancorp. Inc. Springfield, Ill.	0.82	2,490	3,030	1.42
	QNB Corp. Quakertown, Pa.	0.82	2,296	2,795	0.99
	Embassy Bancorp Inc. Bethlehem, Pa.	0.82	1,472	1,796	0.86
	First Keystone Corp. Berwick, Pa.	0.82	2,298	2,809	1.04
	Keweenaw Financial Corp. Hancock, Mich.	0.82	1,308	1,601	0.94
195	Ohio Valley Banc Corp. Gallipolis	0.81	3,564	4,377	1.67
	Merchants Bancorp, Inc. Hillsboro, Ohio	0.81	1,604	1,970	1.05
	Leackco Bank Holding Co. Inc. Wolsey, S.D.	0.81	1,755	2,156	1.23
	Bank of Hawaii Corp. Honolulu	0.81	38,592	47,441	1.10
	Town and Country Bancshares Inc. Salem, Mo.	0.81	1,834	2,256	1.43
	Legend Bancorp Inc. Bowie, Texas	0.81	2,162	2,664	1.46

Only domestic holding companies that file Y-9C reports are included. Based on Y-9C filings by top-tier bank holding companies with the Federal Reserve. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of July 25, 2014.

Source:

SNL Financial