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

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

Banking Companies with the Highest Multiples of Net Income to Salary, BenefitsYear to date through Sept. 30, 2014. Dollars in thousands
Published May 5, 2015

Rank   Multiple Net income Salary and
benefits
Return on
average assets
1 Beal Financial Corp. Plano, Texas 8.65 $171,221 $19,805 8.92%
2 PNBK Holdings LLC Stamford, Conn. 7.29 15,224 2,089 10.43
3 Briscoe Ranch Inc. Uvalde, Texas 5.70 11,774 2,067 3.39
4 Lauritzen Corp. Omaha, Neb. 4.52 44,205 9,788 9.28
5 Blue Valley Ban Corp. Overland Park, Kan. 4.44 12,155 2,737 8.00
6 Builders Financial Corp. Chicago 4.18 2,235 535 4.18
7 CIT Group Inc. New York 3.70 514,887 139,065 4.52
8 Vermillion Bancshares Inc. Minn. 3.58 3,187 890 2.39
9 Educational Services of America Inc. Knoxville, Tenn. 3.45 11,279 3,265 1.61
10 Merchants Bancorp Carmel, Ind. 3.00 6,924 2,307 1.60
11 Charter Bankshares Inc. Eau Claire, Wis. 2.84 4,987 1,753 2.65
12 Luana Bancorp. Iowa 2.64 3,477 1,317 2.13
13 Guardian Bancorp Inc. Cincinnati 2.37 4,972 2,094 2.41
  John Deere Capital Corp. Reno, Nev. 2.37 153,119 64,541 1.73
15 Five Star Bancorp Rocklin, Calif. 2.31 3,164 1,372 2.04
16 Belle Fourche Bancshares Inc. Spearfish, S.D. 2.28 3,156 1,384 2.11
17 Capitol Bancorp. Inc. Britton, S.D. 2.27 4,686 2,062 2.40
  Clayton Bancorp Inc. Knoxville, Tenn. 2.27 8,397 3,705 3.47
19 Bear State Financial Holdings LLC Little Rock, Ark. 2.26 14,118 6,240 3.78
20 Stearns Financial Services Inc. St. Cloud, Minn. 2.25 16,666 7,414 3.84
21 First Community Holdings Santa Rosa, Calif. 2.24 4,735 2,117 2.20
22 Integrity Bancshares Inc. Camp Hill, Pa. 2.16 3,144 1,453 1.51
23 First Reliance Bancshares Inc. Florence, S.C. 2.14 3,730 1,742 4.11
  Inwood Bancshares Inc. Dallas 2.14 9,180 4,289 2.09
  First NBC Bank Holding Co. New Orleans 2.14 14,359 6,718 1.60
26 Parke Bancorp Inc. Sewell, N.J. 2.12 3,455 1,629 1.72
27 Olney Bancshares of Texas Inc. 2.09 15,007 7,165 2.35
28 Malaga Financial Corp. Palos Verdes Estates, Calif. 2.03 2,828 1,391 1.22
29 Lakeside Bancorp Inc. Chicago 2.01 5,279 2,624 1.83
30 Discover Financial Services Riverwoods, Ill. 1.98 643,598 324,528 3.20
31 American State Bank Holding Co. Inc. Williston, N.D. 1.93 3,246 1,686 2.12
32 Heritage Group Inc. Aurora, Neb. 1.90 2,854 1,501 1.91
33 First Bemidji Holding Co. Minn. 1.88 3,235 1,718 2.15
34 Intervest Bancshares Corp. New York 1.87 4,180 2,241 1.08
35 BofI Holding Inc. San Diego 1.86 17,840 9,606 1.56
36 First Berne Financial Corp. Ind. 1.84 2,909 1,579 2.16
37 Silver Queen Financial Services Inc. Greenwood Village, Colo. 1.83 3,669 2,009 0.81
  First-West Texas Bancshares Inc. Midland 1.82 4,501 2,468 1.81
39 United National Corp. Sioux Falls, S.D. 1.82 64,823 35,595 11.89
40 AliKat Investments Inc. Gurnee, Ill. 1.80 1,409 782 2.15
  Capitol Federal Financial Inc. Topeka, Kan. 1.80 20,210 11,247 0.77
42 Farmers Bancorp Inc. Blytheville, Ark. 1.78 2,663 1,493 2.60
43 ServisFirst Bancshares Inc. Birmingham, Ala. 1.77 14,002 7,890 1.47
44 Sterling Bancorp Inc. Southfield, Mich. 1.76 4,660 2,648 1.62
  Choice Financial Holdings Inc. Fargo, N.D. 1.76 6,322 3,598 2.93
46 Republic Bancorp Co. Oak Brook, Ill. 1.75 9,164 5,231 2.45
  Ally Financial Inc. Detroit 1.75 423,000 242,000 1.13
48 Amarillo National Bancorp Inc. Texas 1.73 20,550 11,903 2.21
49 Citizens Bankshares Inc. Farmington, N.M. 1.72 3,132 1,820 1.72
  Ambank Co. Inc. Sioux Center, Iowa 1.72 5,089 2,961 2.10
51 Rockhold BanCorp Inc. Kirksville, Mo. 1.67 1,257 751 0.88
  Industry Bancshares Inc. Texas 1.67 10,035 5,998 1.43
53 Putnam Bancshares Inc. Hurricane, W.Va. 1.66 1,706 1,030 1.09
54 Prophetstown Banking Co. Ill. 1.65 1,903 1,153 1.47
55 FCT Bancshares Inc. Waco, Texas 1.63 3,066 1,883 1.67
  Manhattan Banking Corp. Kan. 1.63 6,237 3,831 2.13
57 Cathay General Bancorp Los Angeles 1.59 35,909 22,630 1.28
58 Nodaway Valley Bancshares Inc. Maryville, Mo. 1.57 4,140 2,629 2.03
  Quail Creek Bancshares Inc. Oklahoma City 1.57 2,923 1,862 2.07
60 New York Community Bancorp Inc. Westbury 1.54 120,258 78,032 0.99
  Bank of the Ozarks Inc. Little Rock, Ark. 1.54 32,093 20,876 1.99
62 East West Bancorp Inc. Pasadena, Calif. 1.52 88,756 58,272 1.26
  Bank of Southside Virginia Corp. Carson 1.52 2,336 1,535 1.62
64 First Security Bancorp Searcy, Ark. 1.51 26,374 17,438 2.21
65 Washington Federal Inc. Seattle 1.50 40,560 27,033 1.10
66 Centrabanc Corp. Waco, Texas 1.49 2,923 1,962 1.64
67 Mid State Banks Inc. Hawkinsville, Ga. 1.48 2,037 1,372 3.01
68 Prosperity Bancshares Inc. Houston 1.47 76,570 52,031 1.45
69 Oritani Financial Corp. Township of Washington, N.J. 1.45 10,162 7,011 1.28
  National Bankshares Inc. Blacksburg, Va. 1.45 4,263 2,948 1.51
71 Farmers Enterprises Inc. Great Bend, Kan. 1.44 4,710 3,270 2.65
72 Villages Bancorp. Inc. The Villages, Fla. 1.42 3,911 2,745 0.96
73 Home BancShares Inc. Conway, Ark. 1.41 27,371 19,368 1.57
  FEO Investments Inc. Norfolk, Neb. 1.41 2,039 1,444 1.24
  First Illinois Bancorp Inc. East St. Louis 1.41 1,985 1,407 1.53
76 Ida Grove Bancshares Inc. Iowa 1.39 5,533 3,969 1.79
  WestStar Bank Holding Co. Inc. El Paso, Texas 1.39 5,587 4,009 2.12
  Traditional Bancorp. Inc. Mount Sterling, Ky. 1.39 5,015 3,614 1.74
79 Lone Star State Bancshares Inc. Lubbock, Texas 1.38 3,226 2,342 1.92
  First Financial Banc Corp. El Dorado, Ark. 1.38 5,940 4,317 2.66
81 PacWest Bancorp Los Angeles 1.36 62,271 45,868 1.59
82 Pinnacle Bancorp Inc. Central City, Neb. 1.35 33,888 25,115 1.75
  Stockman Financial Corp. Miles City, Mont. 1.35 14,158 10,504 2.03
  Magnolia Banking Corp. Ark. 1.35 3,800 2,825 1.72
85 Fidelity Holding Co. Minnetonka, Minn. 1.34 1,738 1,295 1.62
86 Dime Community Bancshares Inc. Brooklyn, N.Y. 1.33 11,765 8,851 1.09
  Beresford Bancorp. Inc. Britton, S.D. 1.33 2,779 2,091 1.97
88 First Nebraska Bancs Inc. Sidney 1.32 2,727 2,059 1.87
  Dakota Community Banshares Inc. Hebron, N.D. 1.32 3,808 2,881 2.11
  Hanmi Financial Corp. Los Angeles 1.32 13,251 10,031 1.51
91 Lakeland Financial Corp. Warsaw, Ind. 1.31 11,511 8,816 1.37
92 Forstrom Bancorp. Inc. Clara City, Minn. 1.30 2,054 1,576 1.53
  Plains Bancorp Inc. Dimmitt, Texas 1.30 4,978 3,826 1.70
  First Financial Bankshares Inc. Abilene, Texas 1.30 23,431 18,037 1.74
  TrustCo Bank Corp NY Glenville 1.30 10,714 8,272 0.93
96 Planters Financial Group Inc. Clarksville, Tenn. 1.29 3,327 2,584 1.62
97 Starion Bancorp. Bismarck, N.D. 1.28 5,399 4,223 2.05
  West Bancorp. Inc. West Des Moines, Iowa 1.28 5,063 3,961 1.33
99 Watford City Bancshares Inc. N.D. 1.27 10,033 7,870 2.26
  Western Alliance Bancorp. Phoenix 1.27 40,919 32,230 1.63
  CVB Financial Corp. Ontario, Calif. 1.27 24,295 19,139 1.32
  First Paragould Bankshares Inc. Ark. 1.27 3,083 2,437 1.47
103 Whitcorp Financial Co. Leoti, Kan. 1.25 3,105 2,480 1.72
  Hills Bancorp. Iowa 1.25 7,899 6,314 1.41
105 Modern Bank Partners LLC New York 1.24 2,821 2,271 1.56
  Wilshire Bancorp Inc. Los Angeles 1.24 15,129 12,216 1.61
  United Bankshares Inc. Charleston, W.Va. 1.24 33,260 26,926 1.11
108 Guaranty Capital Corp. Belzoni, Miss. 1.22 3,502 2,871 2.30
  SBC Inc. Countryside, Ill. 1.22 2,252 1,853 1.53
110 American Bank Inc. Allentown, Pa. 1.21 1,135 938 0.88
  Heritage Bancorp Reno, Nev. 1.21 2,028 1,678 1.50
  Citizens Financial Services Inc. Mansfield, Pa. 1.21 3,368 2,790 1.48
113 Security Star Bancshares Inc. Midland, Texas 1.20 4,487 3,727 2.03
  UBT Bancshares Inc. Marysville, Kan. 1.20 1,699 1,415 1.20
  Citizens Bancshares Inc. Bluffton, Ohio 1.20 2,992 2,498 1.79
  Hometown Community Bancorp Inc. Morton, Ill. 1.20 10,003 8,358 1.39
117 First Metro Bancorp Muscle Shoals, Ala. 1.18 1,906 1,621 1.45
118 Midwest Banc Holding Co. Pierce, Neb. 1.17 2,666 2,276 1.67
  NexBank Capital Inc. Dallas 1.17 7,014 5,991 1.79
  Wood & Huston Bancorp. Inc. Marshall, Mo. 1.17 2,732 2,341 1.88
121 Penns Woods Bancorp Inc. Williamsport, Pa. 1.16 4,793 4,126 1.56
  Blackhawk Bancorp. Inc. Milan, Ill. 1.16 3,309 2,854 1.20
123 Heartland Bancorp Inc. Bloomington, Ill. 1.15 12,192 10,588 1.96
  First National Bancshares Inc. East Lansing, Mich. 1.15 4,146 3,601 2.29
125 American Express Co. New York 1.14 1,477,000 1,290,000 3.83
  Hudson City Bancorp Inc. Paramus, N.J. 1.14 37,126 32,669 0.40
  Planters Holding Co. Indianola, Miss. 1.14 2,486 2,189 1.27
128 NEB Corp. Fond Du Lac, Wis. 1.13 5,311 4,702 1.32
  Northern Bancorp Inc. Woburn, Mass. 1.13 3,621 3,214 1.21
  Farmers and Merchants Bankshares Inc. Stuttgart, Ark. 1.13 2,590 2,302 1.54
131 Peoples Bancorp Inc. Prairie Du Chien, Wis. 1.12 2,304 2,064 1.47
132 Westamerica Bancorp. San Rafael, Calif. 1.11 15,154 13,639 1.22
  Bank of Highland Park Financial Corp. Ill. 1.11 3,042 2,751 1.01
  Legend Bancorp Inc. Bowie, Texas 1.11 3,081 2,788 2.03
135 Bank First National Corp. Manitowoc, Wis. 1.10 3,232 2,941 1.17
  Florida Community Bankshares Inc. Ocala, Fla. 1.10 2,271 2,067 1.49
  Independence Bancshares Inc. Owensboro, Ky. 1.10 5,430 4,947 1.48
  Citco Community Bancshares Inc. Elizabethton, Tenn. 1.10 2,489 2,269 1.55
139 Midland Financial Co. Oklahoma City 1.09 51,557 47,140 1.99
  First National Bank of Gillette Holding Co. Wyo. 1.09 1,794 1,643 1.30
  BBCN Bancorp Inc. Los Angeles 1.09 21,420 19,631 1.25
142 Neighbor Insurance Agency Inc. Marion, Iowa 1.08 2,658 2,459 1.63
  OFG Bancorp San Juan, Puerto Rico 1.08 19,532 18,094 1.03
144 BankUnited Inc. Miami Lakes, Fla. 1.07 53,567 49,840 1.25
  Liberty Bancshares Inc. Springfield, Mo. 1.07 4,296 4,006 1.62
  Thomasville Bancshares Inc. Ga. 1.07 2,206 2,063 1.48
147 U.S. Bancorp Minneapolis 1.06 1,471,000 1,382,000 1.53
  Southern Utah Bancorp. Cedar City 1.06 2,728 2,565 1.35
  Ames National Corp. Iowa 1.06 3,732 3,521 1.20
150 South Dakota Bancshares Inc. Pierre 1.05 4,700 4,463 2.15
  Financial Corp. of Louisiana Crowley 1.05 3,013 2,865 1.79
152 Norwood Financial Corp. Honesdale, Pa. 1.04 2,118 2,029 1.19
  First of Long Island Corp. Glen Head, N.Y. 1.04 6,054 5,804 0.96
154 Paducah Bank Shares Inc. Ky. 1.03 2,507 2,423 1.87
  Central Bancorp. Provo, Utah 1.03 3,482 3,385 1.79
  State Bankshares Inc. Fargo, N.D. 1.03 25,187 24,490 3.28
  International Bancshares Corp. Laredo, Texas 1.03 33,233 32,327 1.10
158 Midland Financial Corp. Casper, Wyo. 1.02 2,496 2,438 1.44
  First Fidelity Bancorp Inc. Oklahoma City 1.02 5,659 5,553 1.61
  NATCOM Bancshares Inc. Superior, Wis. 1.02 2,263 2,222 1.76
  Midland Bancshares Inc. Texas 1.02 3,346 3,288 1.18
  Inter-Mountain Bancorp. Inc. Bozeman, Mont. 1.02 2,582 2,539 1.52
  First Bancorp Inc. Damariscotta, Maine 1.02 4,108 4,046 1.11
164 NewFirst Financial Group Inc. El Campo, Texas 1.01 2,886 2,845 2.06
  First National Community Bancorp Inc. Dunmore, Pa. 1.01 3,358 3,316 1.39
  California First National Bancorp Irvine 1.01 2,459 2,435 1.64
  FirstBank Holding Co. Lakewood, Colo. 1.01 42,896 42,563 1.24
  First Citizens Financial Corp. Mason City, Iowa 1.01 3,809 3,783 1.30
  Sword Financial Corp. Horicon, Wis. 1.01 2,545 2,529 1.75
  ESB Financial Corp. Ellwood City, Pa. 1.01 4,585 4,557 0.94
171 Leackco Bank Holding Co. Inc. Wolsey, S.D. 1.00 2,208 2,203 1.51
  First Southern Bancorp Inc. Stanford, Ky. 1.00 2,639 2,643 1.50
  Citizens National Bancorp Inc. Athens, Tenn. 1.00 2,151 2,157 1.66
174 S&T Bancorp Inc. Indiana, Pa. 0.99 14,661 14,823 1.22
175 Glacier Bancorp Inc. Kalispell, Mont. 0.98 29,294 29,766 1.48
  American National Corp. Omaha, Neb. 0.98 10,530 10,704 1.56
  First New Mexico Financial Corp. Deming 0.98 1,296 1,321 1.20
  RBB Bancorp Los Angeles 0.98 2,434 2,486 1.16
  Investors Bancorp Inc. Short Hills, N.J. 0.98 39,040 40,018 0.89
180 Embassy Bancorp Inc. Bethlehem, Pa. 0.97 1,709 1,753 0.96
  Hometown Banc Corp Grand Island, Neb. 0.97 3,163 3,252 1.07
  CNB Bancshares Inc. Sevierville, Tenn. 0.97 2,641 2,721 1.23
  CBX Corp. Carrollton, Ill. 0.97 3,382 3,496 1.19
  German American Bancorp Inc. Jasper, Ind. 0.97 7,708 7,975 1.41
  Customers Bancorp Inc. Wyomissing, Pa. 0.97 11,662 12,070 0.78
186 1st Summit Bancorp of Johnstown Inc. Pa. 0.96 2,416 2,505 1.08
  Central Community Corp. Temple, Texas 0.96 4,324 4,517 1.24
188 Pacific City Financial Corp. Los Angeles 0.95 3,665 3,848 1.76
  First Financial Northwest Inc. Renton, Wash. 0.95 2,735 2,873 1.21
  Ironhorse Financial Group Inc. Muskogee, Okla. 0.95 5,821 6,120 2.14
  Commercial Holding Co. Paris, Tenn. 0.95 2,611 2,757 1.60
  215 Holding Co. Minneapolis 0.95 2,652 2,806 1.57
193 American State Bancshares Inc. Great Bend, Kan. 0.94 2,363 2,501 1.43
  North American Bancshares Inc. Sherman, Texas 0.94 6,275 6,651 1.17
  Honat Bancorp Inc. Honesdale, Pa. 0.94 1,780 1,894 1.21
  United Community Bancorp Inc. Chatham, Ill. 0.94 5,625 5,990 1.31
197 Eagle Bancorp Inc. Bethesda, Md. 0.93 13,934 14,942 1.37
  Peoples Financial Services Corp. Scranton, Pa. 0.93 5,236 5,639 1.06
  First Bancorp Inc. Lebanon, Va. 0.93 4,514 4,879 1.34
200 Sabine Bancshares Inc. Many, La. 0.92 3,785 4,100 1.96


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 Jan. 30, 2015.

Source:

SNL Financial
, Charlottesville, Va.
© 2015 American Banker