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

December 22, 2015, 3:55 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 June 30, 2015. Dollars in thousands Published December 22, 2015
Rank		Multiple	Net income	Salary and benefits	Return on average assets
1	Briscoe Ranch Inc. Uvalde, Texas	5.28	$10,826	$2,050	2.82%
2	Popular Inc. Hato Rey, Puerto Rico	4.81	597,000	124,000	6.71
3	Entegra Financial Corp. Franklin, N.C.	4.48	17,105	3,817	7.38
4	Merchants Bancorp Carmel, Ind.	2.93	8,258	2,819	1.55
5	Educational Services of America Inc. Farragut, Tenn.	2.87	9,715	3,388	1.12
6	Clayton HC Inc. Knoxville, Tenn.	2.76	9,905	3,587	3.82
7	Stearns Financial Services Inc. St. Cloud, Minn.	2.74	16,809	6,142	3.45
8	Lauritzen Corp. Omaha, Neb.	2.36	17,223	7,295	6.55
9	First NBC Bank Holding Co. New Orleans	2.16	17,192	7,944	1.68
10	Lakeside Bancorp Inc. Chicago	2.12	6,385	3,016	2.02
11	Inwood Bancshares Inc. Dallas	2.07	9,650	4,658	1.96
12	Olney Bancshares of Texas Inc.	2.03	17,081	8,404	2.35
13	Bank of the Ozarks Inc. Little Rock, Ark.	1.98	44,776	22,646	2.16
14	United National Corp. Sioux Falls, S.D.	1.90	69,029	36,339	11.76
15	Cathay General Bancorp Los Angeles	1.85	45,200	24,463	1.55
16	Ambank Co. Inc. Sioux Center, Iowa	1.80	5,225	2,900	2.09
17	PacWest Bancorp Los Angeles	1.74	85,083	49,033	2.07
18	Choice Financial Holdings Inc. Fargo, N.D.	1.72	7,162	4,159	3.09
19	Discover Financial Services Riverwoods, Ill.	1.71	598,769	350,604	2.83
20	Republic Bancorp Co. Oak Brook, Ill.	1.68	9,114	5,424	2.20
21	Traditional Bancorp. Inc. Mount Sterling, Ky.	1.58	5,864	3,711	2.01
22	East West Bancorp Inc. Pasadena, Calif.	1.57	98,748	63,035	1.34
	Industry Bancshares Inc. Texas	1.57	10,227	6,533	1.34
24	Hometown Banc Corp Grand Island, Neb.	1.56	4,840	3,105	1.65
25	Home BancShares Inc. Conway, Ark.	1.54	33,906	22,056	1.72
26	Villages Bancorp. Inc. The Villages, Fla.	1.52	4,239	2,789	0.92
27	ConnectOne Bancorp Inc. Englewood Cliffs, N.J.	1.51	10,522	6,947	1.19
28	Prosperity Bancshares Inc. Houston	1.50	71,931	47,819	1.33
29	New York Community Bancorp Inc. Westbury	1.49	123,703	83,067	1.02
30	WestStar Bank Holding Co. Inc. El Paso, Texas	1.39	5,566	3,999	2.09
	ServisFirst Bancshares Inc. Birmingham, Ala.	1.39	14,469	10,426	1.31
	First Security Bancorp Searcy, Ark.	1.39	25,922	18,712	2.11
33	Eagle Bancorp Inc. Bethesda, Md.	1.37	20,188	14,683	1.45
	Hometown Community Bancorp Inc. Morton, Ill.	1.37	11,215	8,184	1.54
	Pinnacle Bancorp Inc. Central City, Neb.	1.37	37,529	27,479	1.76
36	CVB Financial Corp. Ontario, Calif.	1.36	26,813	19,648	1.44
	Ida Grove Bancshares Inc. Iowa	1.36	5,584	4,114	1.73
38	Manhattan Banking Corp. Kan.	1.35	7,091	5,266	2.10
39	Washington Federal Inc. Seattle	1.34	39,050	29,093	1.08
40	West Bancorp. Inc. West Des Moines, Iowa	1.32	5,272	4,005	1.28
41	First Financial Bankshares Inc. Abilene, Texas	1.31	25,306	19,262	1.69
42	Amarillo National Bancorp Inc. Texas	1.30	17,446	13,423	1.81
43	Independence Bancshares Inc. Owensboro, Ky.	1.29	6,963	5,393	1.72
44	Lakeland Financial Corp. Warsaw, Ind.	1.28	11,367	8,876	1.28
45	United Bankshares Inc. Charleston, W.Va.	1.27	34,809	27,312	1.15
46	National Bankshares Inc. Blacksburg, Va.	1.26	4,110	3,255	1.42
47	First Citizens Financial Corp. Mason City, Iowa	1.24	4,777	3,839	1.59
	Northern Bancorp Inc. Woburn, Mass.	1.24	4,533	3,646	1.39
49	Stockman Financial Corp. Miles City, Mont.	1.22	13,808	11,297	1.82
	First-West Texas Bancshares Inc. Midland	1.22	3,356	2,748	1.26
	Bank First National Corp. Manitowoc, Wis.	1.22	3,390	2,786	1.19
52	First Bancorp Inc. Damariscotta, Maine	1.19	4,074	3,436	1.08
53	American Express Co. New York	1.18	1,472,000	1,250,000	3.73
54	NEB Corp. Fond du Lac, Wis.	1.17	6,289	5,362	1.41
	Watford City Bancshares Inc. N.D.	1.17	10,396	8,865	2.03
56	Heartland Bancorp Inc. Bloomington, Ill.	1.16	12,548	10,859	2.03
57	North American Bancshares Inc. Sherman, Texas	1.15	7,635	6,663	1.40
58	International Bancshares Corp. Laredo, Texas	1.14	33,876	29,650	1.11
59	Crews Banking Corp. Wauchula, Fla.	1.13	5,288	4,688	1.65
60	Cardinal Financial Corp. McLean, Va.	1.12	13,378	11,963	1.48
61	Flushing Financial Corp. Uniondale, N.Y.	1.11	14,834	13,310	1.12
62	Wilshire Bancorp Inc. Los Angeles	1.10	15,553	14,099	1.39
	Hills Bancorp. Iowa	1.10	7,470	6,796	1.27
	FCB Financial Holdings Inc. Weston, Fla.	1.10	19,376	17,634	1.23
	Peoples Bancorp Inc. Prairie Du Chien, Wis.	1.10	2,295	2,091	1.45
66	BBCN Bancorp Inc. Los Angeles	1.08	22,940	21,239	1.26
	Westamerica Bancorp. San Rafael, Calif.	1.08	14,761	13,696	1.17
68	Western Alliance Bancorp. Phoenix	1.07	34,719	32,406	1.07
	Blackhawk Bancorp. Inc. Milan, Ill.	1.07	3,045	2,849	1.06
70	1867 Western Financial Corp. Stockton, Calif.	1.05	9,702	9,226	1.70
	Pedcor Capital LLC Carmel, Ind.	1.05	1,715	1,637	2.41
72	Starion Bancorp. Bismarck, N.D.	1.03	4,939	4,774	1.66
	S&T Bancorp Inc. Indiana, Pa.	1.03	18,188	17,598	1.21
	Magnolia Banking Corp. Ark.	1.03	4,711	4,592	1.53
75	Investors Bancorp Inc. Short Hills, N.J.	1.02	46,362	45,357	0.94
	United Community Bancorp Inc. Chatham, Ill.	1.02	6,073	5,950	1.38
	FirstBank Holding Co. Lakewood, Colo.	1.02	45,781	44,886	1.23
78	American Chartered Bancorp Inc. Schaumburg, Ill.	1.01	8,244	8,157	1.17
79	First Guaranty Bancshares Inc. Hammond, La.	1.00	3,862	3,860	1.01
	CBX Corp. Carrollton, Ill.	1.00	3,691	3,690	1.25
	U.S. Bancorp Minneapolis	1.00	1,483,000	1,489,000	1.46
82	Central Community Corp. Temple, Texas	0.99	4,490	4,530	1.24
	First of Long Island Corp. Glen Head, N.Y.	0.99	6,276	6,343	0.89
84	City Holding Co. Charleston, W.Va.	0.98	11,984	12,212	1.34
	Plains Bancorp Inc. Dimmitt, Texas	0.98	4,108	4,190	1.46
86	Tompkins Financial Corp. Ithaca, N.Y.	0.97	17,390	17,875	1.29
	First York Ban Corp. Neb.	0.97	5,352	5,518	1.55
	1st Summit Bancorp of Johnstown Inc. Pa.	0.97	2,500	2,587	1.09
89	Citizens & Northern Corp. Wellsboro, Pa.	0.96	4,357	4,538	1.40
	First Bancorp Inc. Lebanon, Va.	0.96	4,812	5,020	1.38
91	Pinnacle Financial Partners Inc. Nashville, Tenn.	0.95	22,664	23,775	1.44
92	Auburn National Bancorp. Inc. Ala.	0.94	2,150	2,291	1.09
93	PrivateBancorp Inc. Chicago	0.93	46,422	50,020	1.15
94	LegacyTexas Financial Group Inc. Plano	0.92	20,149	21,960	1.28
95	Community Trust Bancorp Inc. Pikeville, Ky.	0.91	12,402	13,622	1.31
	D.L. Evans Bancorp Burley, Idaho	0.91	4,603	5,068	1.58
	Glacier Bancorp Inc. Kalispell, Mont.	0.91	29,335	32,332	1.39
	Bar Harbor Bankshares Maine	0.91	3,873	4,269	1.01
	C1 Financial Inc. St. Petersburg, Fla.	0.91	4,743	5,229	1.17
100	National Penn Bancshares Inc. Allentown, Pa.	0.90	27,238	30,123	1.14
	Summit Financial Group Inc. Moorefield, W.Va.	0.90	4,009	4,441	1.09
	BankUnited Inc. Miami Lakes, Fla.	0.90	46,637	51,721	0.91
	Hanmi Financial Corp. Los Angeles	0.90	13,989	15,541	1.39
104	Ironhorse Financial Group Inc. Muskogee, Okla.	0.89	6,236	6,974	1.88
	Provident Financial Services Inc. Iselin, N.J.	0.89	21,796	24,414	1.01
	AFNB Holdings Inc. Houston	0.89	3,321	3,740	1.20
	German American Bancorp Inc. Jasper, Ind.	0.89	7,325	8,259	1.31
108	Citigroup Inc. New York	0.88	4,846,000	5,483,000	1.05
	Ames National Corp. Iowa	0.88	3,365	3,815	1.01
	Texas Independent Bancshares Inc. Texas City	0.88	3,753	4,280	1.60
111	Pulaski Financial Corp. St. Louis	0.87	4,352	4,994	1.22
	Southern National Bancorp of Virginia Inc. McLean	0.87	2,466	2,836	1.02
113	PNC Financial Services Group Inc. Pittsburgh	0.86	1,039,023	1,203,965	1.18
	First Keystone Corp. Berwick, Pa.	0.86	2,430	2,837	1.02
	Bank of Hawaii Corp. Honolulu	0.86	41,154	48,095	1.09
116	ESB Bancorp MHC Easthampton, Mass.	0.85	3,100	3,629	1.15
	Southeastern Bank Financial Corp. Augusta, Ga.	0.85	5,690	6,662	1.27
	Bank of Highland Park Financial Corp. Ill.	0.85	2,527	2,961	0.79
	Westbrand Inc. Minot, N.D.	0.85	3,108	3,663	1.30
	Camden National Corp. Maine	0.85	7,193	8,483	1.02
121	CIT Group Inc. New York	0.84	115,249	137,036	1.00
	Moody Bancshares Inc. Galveston, Texas	0.84	3,056	3,634	1.04
	First Bank Corp Fort Smith, Ark.	0.84	6,684	7,952	1.66
	BOU Bancorp Inc. Ogden, Utah	0.84	4,011	4,786	1.78
125	First Community Financial Partners Inc. Joliet, Ill.	0.83	2,344	2,810	0.97
	Paragon Commercial Corp. Raleigh, N.C.	0.83	2,650	3,187	0.83
	WesBanco Inc. Wheeling, W.Va.	0.83	21,625	26,086	1.05
	Great Southern Bancorp Inc. Springfield, Mo.	0.83	12,003	14,493	1.18
	Pacific Premier Bancorp Inc. Irvine, Calif.	0.83	7,824	9,461	1.18
	American National Corp. Omaha, Neb.	0.83	9,129	11,050	1.29
131	First Fidelity Bancorp Inc. Oklahoma City	0.82	4,480	5,451	1.23
	Fox Chase Bancorp Inc. Hatboro, Pa.	0.82	3,156	3,848	1.15
	Park National Corp. Newark, Ohio	0.82	21,039	25,724	1.16
134	Central Pacific Financial Corp. Honolulu	0.81	12,335	15,176	1.00
	JPMorgan Chase & Co. New York	0.81	6,290,000	7,752,000	1.01
	Citizens National Banc Corp. Meridian, Miss.	0.81	4,168	5,144	1.45
	Southern Missouri Bancorp Inc. Poplar Bluff	0.81	3,565	4,415	1.11
138	United Financial Bancorp Inc. Glastonbury, Conn.	0.80	13,332	16,595	0.96
	Customers Bancorp Inc. Wyomissing, Pa.	0.80	11,556	14,448	0.65
	Penns Woods Bancorp Inc. Williamsport, Pa.	0.80	3,433	4,301	1.07
	F.N.B. Corp. Pittsburgh	0.80	40,131	50,431	0.98
142	United Bank Corp. Barnesville, Ga.	0.79	4,387	5,522	1.55
	M&T Bank Corp. Buffalo, N.Y.	0.79	286,688	361,657	1.18
	Texas Capital Bancshares Inc. Dallas	0.79	37,937	48,055	0.83
145	Stock Yards Bancorp Inc. Louisville, Ky.	0.78	9,001	11,472	1.44
	Peoples Financial Services Corp. Scranton, Pa.	0.78	4,431	5,660	0.90
	Broadway Bancshares Inc. San Antonio	0.78	9,857	12,639	1.23
	Citizens Bancorp Investment Inc. Lafayette, Tenn.	0.78	2,151	2,761	1.02
	USAmeriBancorp Inc. Clearwater, Fla.	0.78	7,852	10,080	0.94
	Arbor Bancorp Inc. Ann Arbor, Mich.	0.78	3,625	4,655	1.32
151	Grandpoint Capital Inc. Los Angeles	0.77	7,264	9,378	1.01
	Enterprise Financial Services Corp Clayton, Mo.	0.77	8,716	11,267	1.05
	County Bancorp Inc. Manitowoc, Wis.	0.77	2,217	2,869	1.14
	FirstPerryton Bancorp Inc. Perryton, Texas	0.77	2,455	3,186	1.00
	Arrow Financial Corp. Glens Falls, N.Y.	0.77	6,305	8,186	1.09
	First Farmers Financial Corp. Converse, Ind.	0.77	4,437	5,767	1.24
	Community Bank System Inc. DeWitt, N.Y.	0.77	23,839	31,010	1.26
	Valley View Bancshares Inc. Overland Park, Kan.	0.77	7,142	9,293	0.89
	Ally Financial Inc. Detroit	0.77	182,000	237,000	0.48
	Cullen/Frost Bankers Inc. San Antonio	0.77	73,077	95,286	1.06
161	Security Star Bancshares Inc. Midland, Texas	0.76	3,319	4,339	1.45
	Montecito Bancorp Santa Barbara, Calif.	0.76	4,103	5,366	1.37
	Farmers & Merchants Bancorp Inc. Archbold, Ohio	0.76	2,597	3,401	1.10
	Isabella Bank Corp. Mount Pleasant, Mich.	0.76	4,098	5,374	1.04
	Intrust Financial Corp. Wichita, Kan.	0.76	12,845	16,936	1.15
	Commerce Bancshares Inc. Kansas City, Mo.	0.76	74,353	98,100	1.26
	Security National Corp. Dakota Dunes, S.D.	0.76	3,992	5,286	1.14
168	1st Source Corp. South Bend, Ind.	0.75	15,630	20,794	1.26
	First Artesia Bancshares Inc. N.M.	0.75	3,339	4,453	1.23
	First Financial Northwest Inc. Renton, Wash.	0.75	2,368	3,170	1.00
	CNB Financial Corp. Clearfield, Pa.	0.75	5,602	7,513	1.00
172	Sierra Bancorp Porterville, Calif.	0.74	4,557	6,125	1.06
	Jefferson Bancshares Inc. San Antonio	0.74	5,413	7,282	1.45
	Wells Fargo & Co. San Francisco, Calif.	0.74	5,719,000	7,706,000	1.33
	Washington Trust Bancorp Inc. Westerly, R.I.	0.74	11,503	15,506	1.27
	Wilson Bank Holding Co. Lebanon, Tenn.	0.74	6,201	8,363	1.29
	RCB Holding Co. Inc. Claremore, Okla.	0.74	7,477	10,090	1.19
178	American Bancorp. Inc. Sapulpa, Okla.	0.73	2,840	3,880	1.03
	Pacific Continental Corp. Eugene, Ore.	0.73	5,095	6,992	1.14
180	Independent Bank Group Inc. McKinney, Texas	0.72	10,571	14,649	0.99
	Amboy Bancorp. Old Bridge, N.J.	0.72	3,837	5,337	0.67
	Heartland BancCorp Gahanna, Ohio	0.72	1,826	2,541	1.07
183	American Bank Holding Corp. Corpus Christi, Texas	0.71	4,563	6,385	1.45
	Your Community Bankshares Inc. New Albany, Ind.	0.71	3,564	4,990	0.89
	River Valley Bancorp. Inc. Wausau, Wis.	0.71	3,496	4,897	1.33
	LCNB Corp. Lebanon, Ohio	0.71	3,123	4,381	1.03
	Webster Financial Corp. Waterbury, Conn.	0.71	52,503	73,822	0.90
188	Fremont Bancorp. Calif.	0.70	13,633	19,354	1.86
	Post Oak Bancshares Inc. Houston	0.70	2,473	3,514	1.08
	Foresight Financial Group Inc. Rockford, Ill.	0.70	2,294	3,267	1.00
	Premier Financial Bancorp Inc. Huntington, W.Va.	0.70	3,127	4,475	0.98
	Tri City Bankshares Corp. Oak Creek, Wis.	0.70	4,081	5,842	1.31
	Unity Bancorp Inc. Clinton, N.J.	0.70	2,428	3,480	1.01
	Huntington Bancshares Inc. Columbus, Ohio	0.70	196,205	281,404	1.16
195	Brookline Bancorp Inc. Boston	0.69	11,865	17,085	0.82
	SVB Financial Group Santa Clara, Calif.	0.69	86,143	124,435	0.87
	First Financial Bancorp. Cincinnati	0.69	18,949	27,451	1.05
	Guaranty Bancorp Denver	0.69	5,477	7,963	1.00
199	Commerce Bancshares Corp. Worcester, Mass.	0.68	3,343	4,883	0.76
	Landmark Bancorp Inc. Manhattan, Kan.	0.68	2,616	3,845	1.19

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 Nov. 16, 2015.

Source:

SNL Financial