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

November 24, 2015, 1:13 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, 2015. Dollars in thousands Published November 24, 2015
Rank		Multiple	Net income	Salary and benefits	Return on average assets
1	Briscoe Ranch Inc. Uvalde, Texas	7.56	$16,240	$2,148	4.23%
2	Stearns Financial Services Inc. St. Cloud, Minn.	5.43	32,037	5,905	6.60
3	Lauritzen Corp. Omaha, Neb.	3.35	25,152	7,510	9.80
4	Educational Services of America Inc. Farragut, Tenn.	3.03	10,426	3,439	1.28
5	United National Corp. Sioux Falls, S.D.	2.77	100,699	36,311	17.38
6	Pedcor Financial LLC Carmel, Ind.	2.58	4,101	1,592	5.15
7	Beal Financial Corp. Plano, Texas	2.43	30,697	12,624	1.68
8	Clayton HC Inc. Knoxville, Tenn.	2.42	9,082	3,760	3.57
9	Ally Financial Inc. Detroit	2.26	576,000	255,000	1.53
10	First NBC Bank Holding Co. New Orleans	2.24	16,068	7,174	1.62
	Merchants Bancorp Carmel, Ind.	2.24	5,681	2,539	1.16
12	John Deere Capital Corp. Reno, Nev.	2.21	123,838	56,117	1.46
13	NexBank Capital Inc. Dallas	2.15	14,541	6,761	2.92
14	Olney Bancshares of Texas Inc.	2.01	15,579	7,733	2.26
15	BofI Holding Inc. San Diego	1.89	21,074	11,148	1.58
16	Capitol Federal Financial Inc. Topeka, Kan.	1.88	19,234	10,247	0.69
17	Lakeside Bancorp Inc. Chicago	1.79	5,064	2,833	1.65
18	Industry Bancshares Inc. Texas	1.77	11,253	6,353	1.50
	Bank of the Ozarks Inc. Little Rock, Ark.	1.77	39,894	22,597	2.10
20	Discover Financial Services Riverwoods, Ill.	1.74	586,204	337,543	2.81
21	Sterling Bancorp Inc. Southfield, Mich.	1.70	5,251	3,094	1.66
22	Ambank Co. Inc. Sioux Center, Iowa	1.69	4,651	2,747	1.89
	Dime Community Bancshares Inc. Brooklyn, N.Y.	1.69	11,778	6,987	1.04
24	Manhattan Banking Corp. Kan.	1.68	7,391	4,388	2.26
25	Parkway Bancorp Inc. Harwood Heights, Ill.	1.62	6,968	4,289	1.27
26	Home BancShares Inc. Conway, Ark.	1.60	31,119	19,390	1.65
27	Cathay General Bancorp Los Angeles	1.59	35,980	22,616	1.29
28	ConnectOne Bancorp Inc. Englewood Cliffs, N.J.	1.57	10,379	6,628	1.20
29	Inwood Bancshares Inc. Dallas	1.56	8,514	5,470	1.80
30	East West Bancorp Inc. Pasadena, Calif.	1.55	100,027	64,454	1.37
31	Oritani Financial Corp. Township of Washington, N.J.	1.54	10,957	7,108	1.34
32	PacWest Bancorp Los Angeles	1.53	73,079	47,737	1.80
33	Choice Financial Holdings Inc. Fargo, N.D.	1.51	5,530	3,660	2.42
34	Villages Bancorp. Inc. The Villages, Fla.	1.49	4,056	2,724	0.94
35	Wilshire Bancorp Inc. Los Angeles	1.48	18,619	12,601	1.75
	City Holding Co. Charleston, W.Va.	1.48	17,991	12,197	2.04
37	Prosperity Bancshares Inc. Houston	1.47	73,642	49,966	1.37
38	ServisFirst Bancshares Inc. Birmingham, Ala.	1.45	13,055	9,008	1.25
39	Independence Bancshares Inc. Owensboro, Ky.	1.44	7,357	5,097	1.86
40	New York Private Bank & Trust Corp.	1.39	42,542	30,538	2.75
	Amarillo National Bancorp Inc. Texas	1.39	18,888	13,590	1.96
42	First Security Bancorp Searcy, Ark.	1.38	26,935	19,487	2.24
43	Clifton Bancorp Inc. N.J.	1.37	3,512	2,558	1.18
	First-West Texas Bancshares Inc. Midland	1.37	3,731	2,718	1.43
	Traditional Bancorp. Inc. Mount Sterling, Ky.	1.37	5,121	3,735	1.76
	New York Community Bancorp Inc. Westbury	1.37	119,260	87,209	0.98
47	Stockman Financial Corp. Miles City, Mont.	1.36	12,685	9,328	1.68
	Washington Federal Inc. Seattle	1.36	40,361	29,697	1.11
49	Peoples Bancorp Inc. Prairie Du Chien, Wis.	1.31	2,443	1,866	1.53
	First Financial Bankshares Inc. Abilene, Texas	1.31	23,997	18,355	1.65
51	Northern Bancorp Inc. Woburn, Mass.	1.30	4,641	3,578	1.47
52	National Bankshares Inc. Blacksburg, Va.	1.29	3,966	3,071	1.37
53	United Bankshares Inc. Charleston, W.Va.	1.28	34,627	27,071	1.14
	West Bancorp. Inc. West Des Moines, Iowa	1.28	5,103	3,990	1.26
55	Hometown Community Bancorp Inc. Morton, Ill.	1.27	10,009	7,857	1.40
	Blackhawk Bancorp. Inc. Milan, Ill.	1.27	3,607	2,848	1.26
57	TrustCo Bank Corp NY Glenville	1.26	10,715	8,481	0.92
	Green Dot Corp. Pasadena, Calif.	1.26	40,813	32,320	9.71
	United Community Bancorp Inc. Chatham, Ill.	1.26	7,528	5,975	1.72
	Eagle Bancorp Inc. Bethesda, Md.	1.26	19,735	15,706	1.50
61	Ida Grove Bancshares Inc. Iowa	1.24	4,989	4,017	1.57
	Western Alliance Bancorp. Phoenix	1.24	40,190	32,541	1.50
63	Pinnacle Bancorp Inc. Central City, Neb.	1.20	32,268	26,787	1.52
	First Citizens Financial Corp. Mason City, Iowa	1.20	4,522	3,773	1.53
65	Lakeland Financial Corp. Warsaw, Ind.	1.19	11,136	9,370	1.29
66	Heartland Bancorp Inc. Bloomington, Ill.	1.17	12,970	11,063	2.09
67	United Services Automobile Association San Antonio	1.16	924,569	795,463	2.79
	American Express Co. New York	1.16	1,515,000	1,305,000	3.83
69	Cardinal Financial Corp. McLean, Va.	1.14	13,732	12,081	1.62
70	Texas Independent Bancshares Inc. Texas City	1.13	4,788	4,226	2.07
	NEB Corp. Fond du Lac, Wis.	1.13	6,119	5,402	1.34
	International Bancshares Corp. Laredo, Texas	1.13	35,862	31,752	1.17
73	Hills Bancorp. Iowa	1.12	7,380	6,566	1.26
	First Bancorp Inc. Damariscotta, Maine	1.12	4,175	3,723	1.15
75	First National Community Bancorp Inc. Dunmore, Pa.	1.11	3,475	3,139	1.44
76	Watford City Bancshares Inc. N.D.	1.10	9,627	8,717	1.95
77	Westamerica Bancorp. San Rafael, Calif.	1.09	14,557	13,338	1.15
78	Bank First National Corp. Manitowoc, Wis.	1.08	3,463	3,208	1.25
79	AFNB Holdings Inc. Houston	1.07	3,900	3,644	1.43
	H&R Block Inc. Kansas City, Mo.	1.07	623,977	583,308	58.83
81	First Fidelity Bancorp Inc. Oklahoma City	1.06	5,942	5,588	1.64
	Triumph Bancorp Inc. Dallas	1.06	14,044	13,269	3.88
	Hometown Banc Corp Grand Island, Neb.	1.06	3,689	3,495	1.25
84	North American Bancshares Inc. Sherman, Texas	1.03	6,824	6,652	1.26
85	Summit Financial Group Inc. Moorefield, W.Va.	1.02	4,285	4,188	1.18
86	First of Long Island Corp. Glen Head, N.Y.	1.01	6,485	6,415	0.95
	Midland Financial Co. Oklahoma City	1.01	52,215	51,732	1.82
	WestStar Bank Holding Co. Inc. El Paso, Texas	1.01	4,889	4,864	1.83
89	Customers Bancorp Inc. Wyomissing, Pa.	1.00	13,952	13,952	0.82
	BBCN Bancorp Inc. Los Angeles	1.00	21,358	21,458	1.19
91	1st Summit Bancorp of Johnstown Inc. Pa.	0.98	2,506	2,568	1.10
	Plains Bancorp Inc. Dimmitt, Texas	0.98	4,035	4,136	1.41
	Investors Bancorp Inc. Short Hills, N.J.	0.98	41,947	43,003	0.89
94	Ames National Corp. Iowa	0.97	3,635	3,729	1.11
	Peoples Financial Services Corp. Scranton, Pa.	0.97	5,044	5,186	1.18
	Live Oak Bancshares Inc. Wilmington, N.C.	0.97	8,073	8,355	4.15
97	U.S. Bancorp Minneapolis	0.96	1,431,000	1,496,000	1.43
98	CBX Corp. Carrollton, Ill.	0.95	3,493	3,663	1.17
	First York Ban Corp. Neb.	0.95	5,148	5,425	1.53
100	BankUnited Inc. Miami Lakes, Fla.	0.94	46,457	49,270	0.96
	Magnolia Banking Corp. Ark.	0.94	4,284	4,576	1.38
	Crews Banking Corp. Wauchula, Fla.	0.94	4,478	4,787	1.44
103	County Bancorp Inc. Manitowoc, Wis.	0.93	2,527	2,720	1.29
	Pinnacle Financial Partners Inc. Nashville, Tenn.	0.93	21,843	23,531	1.44
105	Starion Bancorp. Bismarck, N.D.	0.92	4,217	4,590	1.51
106	Capital One Financial Corp. McLean, Va.	0.91	1,152,527	1,263,206	1.49
107	Republic Bancorp Inc. Louisville, Ky.	0.90	13,788	15,277	1.40
	Amboy Bancorp. Old Bridge, N.J.	0.90	4,577	5,072	0.81
109	Bar Harbor Bankshares Maine	0.89	3,881	4,352	1.04
	National Penn Bancshares Inc. Allentown, Pa.	0.89	26,727	29,998	1.13
111	FirstBank Holding Co. Lakewood, Colo.	0.88	39,993	45,377	1.09
112	Glacier Bancorp Inc. Kalispell, Mont.	0.87	27,670	31,861	1.34
113	Ironhorse Financial Group Inc. Muskogee, Okla.	0.86	5,371	6,210	1.89
	PNC Financial Services Group Inc. Pittsburgh	0.86	1,003,129	1,159,862	1.15
	Citigroup Inc. New York	0.86	4,770,000	5,520,000	1.03
	First Keystone Corp. Berwick, Pa.	0.86	2,449	2,840	1.05
	Bank of Highland Park Financial Corp. Ill.	0.86	2,716	3,163	0.85
118	Republic Bancorp Co. Oak Brook, Ill.	0.85	4,600	5,430	1.11
119	Bank of Hawaii Corp. Honolulu	0.84	42,442	50,257	1.14
	First Bancorp Inc. Lebanon, Va.	0.84	4,259	5,055	1.23
	CNB Financial Corp. Clearfield, Pa.	0.84	5,565	6,625	1.02
	First Guaranty Bancshares Inc. Hammond, La.	0.84	3,394	4,046	0.88
123	215 Holding Co. Minneapolis	0.83	2,506	3,010	1.46
	German American Bancorp Inc. Jasper, Ind.	0.83	7,306	8,825	1.32
125	Stock Yards Bancorp Inc. Louisville, Ky.	0.82	9,255	11,245	1.47
	Security Star Bancshares Inc. Midland, Texas	0.82	3,459	4,213	1.48
	Auburn National Bancorp. Inc. Ala.	0.82	1,862	2,268	0.93
	CVB Financial Corp. Ontario, Calif.	0.82	15,833	19,295	0.85
	F.N.B. Corp. Pittsburgh	0.82	40,343	49,269	1.00
	Provident Financial Services Inc. Iselin, N.J.	0.82	19,802	24,201	0.93
	Strategic Growth Bancorp Inc. El Paso, Texas	0.82	11,364	13,912	2.18
132	United Bank Corp. Barnesville, Ga.	0.81	4,261	5,252	1.53
	American Chartered Bancorp Inc. Schaumburg, Ill.	0.81	6,720	8,321	0.99
	Enterprise Financial Services Corp Clayton, Mo.	0.81	9,346	11,589	1.14
	Great Southern Bancorp Inc. Springfield, Mo.	0.81	11,653	14,468	1.14
136	Community Trust Bancorp Inc. Pikeville, Ky.	0.80	10,938	13,645	1.17
	Security National Corp. Dakota Dunes, S.D.	0.80	3,958	4,966	1.24
138	PrivateBancorp Inc. Chicago	0.79	41,484	52,361	1.05
	United Financial Bancorp Inc. Glastonbury, Conn.	0.79	13,025	16,572	0.95
140	Citizens & Northern Corp. Wellsboro, Pa.	0.78	3,815	4,872	1.24
	University Financial Corp. St. Paul, Minn.	0.78	3,521	4,497	1.30
142	Luther Burbank Corp. Santa Rosa, Calif.	0.77	7,766	10,066	0.78
	Wilson Bank Holding Co. Lebanon, Tenn.	0.77	5,616	7,302	1.18
	Texas Capital Bancshares Inc. Dallas	0.77	35,050	45,720	0.83
	American National Corp. Omaha, Neb.	0.77	8,411	10,978	1.22
	SVB Financial Group Santa Clara, Calif.	0.77	88,516	115,543	0.90
	Southern Missouri Bancorp Inc. Poplar Bluff	0.77	3,367	4,401	1.04
148	Fifth Third Bancorp Cincinnati	0.76	360,700	472,047	1.05
	Arrow Financial Corp. Glens Falls, N.Y.	0.76	5,855	7,692	1.04
	Grandpoint Capital Inc. Los Angeles	0.76	7,326	9,639	1.07
	First Bank Corp Fort Smith, Ark.	0.76	5,774	7,627	1.44
152	S&T Bancorp Inc. Indiana, Pa.	0.75	12,835	17,044	0.98
	Penns Woods Bancorp Inc. Williamsport, Pa.	0.75	3,355	4,470	1.07
	Central Community Corp. Temple, Texas	0.75	3,544	4,725	0.99
	Landmark Bancorp Inc. Manhattan, Kan.	0.75	2,777	3,721	1.29
156	First Defiance Financial Corp. Defiance, Ohio	0.74	6,601	8,890	1.21
	Cullen/Frost Bankers Inc. San Antonio	0.74	72,163	97,382	1.04
158	First BanCorp. San Juan, Puerto Rico	0.73	25,646	34,941	0.80
	Territorial Bancorp Inc. Honolulu	0.73	3,526	4,804	0.83
	Citizens Bancorp Investment Inc. Lafayette, Tenn.	0.73	1,693	2,324	0.89
	JPMorgan Chase & Co. New York	0.73	5,914,000	8,134,000	0.93
162	Jefferson Bancshares Inc. San Antonio	0.72	4,985	6,877	1.38
	Premier Financial Bancorp Inc. Huntington, W.Va.	0.72	3,142	4,341	1.00
	Sturm Financial Group Inc. Denver	0.72	6,541	9,068	1.08
	Foresight Financial Group Inc. Rockford, Ill.	0.72	2,278	3,162	0.99
	Wells Fargo & Co. San Francisco	0.72	5,804,000	8,071,000	1.37
	Community Bank System Inc. DeWitt, N.Y.	0.72	22,297	31,029	1.21
	LegacyTexas Financial Group Inc. Plano	0.72	16,443	22,929	1.09
	USAmeriBancorp Inc. Clearwater, Fla.	0.72	7,368	10,284	0.94
170	Southern National Bancorp of Virginia Inc. McLean	0.71	2,004	2,803	0.87
	ChoiceOne Financial Services Inc. Sparta, Mich.	0.71	1,643	2,299	1.21
	Park National Corp. Newark, Ohio	0.71	19,044	26,667	1.06
	QNB Corp. Quakertown, Pa.	0.71	2,136	2,996	0.88
	Washington Trust Bancorp Inc. Westerly, R.I.	0.71	11,010	15,494	1.23
	FirstPerryton Bancorp Inc. Perryton, Texas	0.71	2,294	3,229	0.90
	CIT Group Inc. New York	0.71	103,736	146,127	0.88
	Lakeland Bancorp Inc. Oak Ridge, N.J.	0.71	8,330	11,750	0.95
	West Suburban Bancorp Inc. Lombard, Ill.	0.71	4,445	6,271	0.84
	Intrust Financial Corp. Wichita, Kan.	0.71	12,006	16,949	1.03
	Westbrand Inc. Minot, N.D.	0.71	2,645	3,738	1.10
	Entegra Financial Corp. Franklin, N.C.	0.71	2,615	3,697	1.16
	BOU Bancorp Inc. Ogden, Utah	0.71	3,312	4,690	1.50
	Arbor Bancorp Inc. Ann Arbor, Mich.	0.71	3,268	4,629	1.20
184	Webster Financial Corp. Waterbury, Conn.	0.70	49,722	70,598	0.88
	Frandsen Financial Corp. Arden Hills, Minn.	0.70	4,885	6,951	1.27
	Chesapeake Financial Shares Inc. Kilmarnock, Va.	0.70	2,644	3,765	1.62
	Paragon Commercial Corp. Raleigh, N.C.	0.70	2,307	3,290	0.76
	Valley View Bancshares Inc. Overland Park, Kan.	0.70	6,702	9,568	0.83
	Silver Queen Financial Services Inc. Greenwood Village, Colo.	0.70	1,401	2,003	0.31
	MidWestOne Financial Group Inc. Iowa City, Iowa	0.70	4,796	6,869	1.09
	OceanFirst Financial Corp. Toms River, N.J.	0.70	5,263	7,539	0.89
	Sterling Bancorp Montebello, N.Y.	0.70	16,778	24,073	0.90
193	RCB Holding Co. Inc. Claremore, Okla.	0.69	6,834	9,839	1.10
	Heritage Financial Corp. Olympia, Wash.	0.69	9,779	14,080	1.14
	Emprise Financial Corp. Wichita, Kan.	0.69	4,590	6,614	1.22
	Franklin Financial Services Corp. Chambersburg, Pa.	0.69	2,884	4,185	1.16
	Citizens National Banc Corp. Meridian, Miss.	0.69	3,641	5,295	1.30
198	United Community Banks Inc. Blairsville, Ga.	0.68	17,670	26,029	0.93
	Isabella Bank Corp. Mount Pleasant, Mich.	0.68	3,673	5,425	0.95
	First Farmers Financial Corp. Converse, Ind.	0.68	3,543	5,240	1.07

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 Aug. 17, 2015.

Source:

SNL Financial