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 Dec. 31, 2014. Dollars in thousands
Published June 26, 2015

Rank   Multiple Net income Salary and
benefits
Return on
average assets
1 Beal Financial Corp. Plano, Texas 9.12 $529,693 $58,066 6.66%
2 Briscoe Ranch Inc. Uvalde, Texas 7.34 60,204 8,201 4.38
3 CommunityOne Bancorp Charlotte, N.C. 3.52 150,458 42,752 7.50
4 Reliance Bancshares Inc. Frontenac, Mo. 3.39 44,093 13,000 4.09
  Vermillion Bancshares Inc. Minn. 3.39 12,538 3,703 2.36
6 First BanCorp. San Juan, Puerto Rico 2.96 392,287 132,481 3.09
7 Educational Services of America Inc. Farragut, Tenn. 2.83 37,900 13,376 1.34
8 Stearns Financial Services Inc. St. Cloud, Minn. 2.38 63,655 26,725 3.69
9 Luana Bancorp. Iowa 2.30 12,733 5,526 1.94
10 Five Star Bancorp Rocklin, Calif. 2.23 12,110 5,429 2.01
  Amboy Bancorp. Old Bridge, N.J. 2.23 44,360 19,898 2.01
12 Capitol Bancorp. Inc. Britton, S.D. 2.22 18,575 8,376 2.39
13 First NBC Bank Holding Co. New Orleans 2.14 55,589 25,942 1.57
14 Charter Bankshares Inc. Eau Claire, Wis. 2.13 16,769 7,858 2.25
  Clayton HC Inc. Knoxville, Tenn. 2.13 31,690 14,908 3.24
16 Lakeside Bancorp Inc. Chicago 2.11 22,083 10,477 1.92
17 John Deere Capital Corp. Reno, Nev. 2.09 554,603 264,932 1.63
18 CIT Group Inc. New York 2.00 1,129,981 564,700 2.42
19 Olney Bancshares of Texas Inc. 1.94 54,966 28,359 2.16
  Malaga Financial Corp. Palos Verdes Estates, Calif. 1.94 11,211 5,785 1.22
21 Capitol Federal Financial Inc. Topeka, Kan. 1.87 80,353 42,913 0.81
  American State Bank Holding Co. Inc. Williston, N.D. 1.87 12,881 6,896 2.11
  United National Corp. Sioux Falls, S.D. 1.87 266,040 142,514 12.03
24 PNBK Holdings LLC Stamford, Conn. 1.86 15,064 8,097 2.61
25 BofI Holding Inc. San Diego 1.85 67,833 36,590 1.56
  First Berne Financial Corp. Ind. 1.85 11,850 6,399 2.20
27 Discover Financial Services Riverwoods, Ill. 1.84 2,323,267 1,263,242 2.89
28 BankFinancial Corp. Burr Ridge, Ill. 1.83 40,614 22,209 2.83
29 First Community Holdings Santa Rosa, Calif. 1.82 16,483 9,055 1.98
30 Sterling Bancorp Inc. Southfield, Mich. 1.79 18,779 10,520 1.70
31 Heritage Group Inc. Aurora, Neb. 1.75 10,925 6,229 1.80
32 Fidelity Holding Co. Minnetonka, Minn. 1.70 6,735 3,955 1.62
33 ServisFirst Bancshares Inc. Birmingham, Ala. 1.69 52,377 31,017 1.40
34 Villages Bancorp. Inc. The Villages, Fla. 1.68 18,302 10,921 1.11
35 Lauritzen Corp. Omaha, Neb. 1.67 68,880 41,140 3.68
  Inwood Bancshares Inc. Dallas 1.67 31,757 18,992 1.85
37 Citizens Bankshares Inc. Farmington, N.M. 1.66 11,962 7,209 1.65
38 United Community Financial Corp. Youngstown, Ohio 1.64 50,205 30,570 2.79
39 First Bemidji Holding Co. Minn. 1.63 11,259 6,925 1.89
40 FCT Bancshares Inc. Waco, Texas 1.62 12,338 7,638 1.69
41 New York Community Bancorp Inc. Westbury 1.58 485,397 306,849 1.01
  Industry Bancshares Inc. Texas 1.58 36,865 23,323 1.33
43 MetroCity Bankshares Inc. Doraville, Ga. 1.57 12,497 7,968 2.19
44 Silver Queen Financial Services Inc. Greenwood Village, Colo. 1.55 12,268 7,916 0.69
45 Prophetstown Banking Co. Ill. 1.54 6,924 4,482 1.34
  Bank of the Ozarks Inc. Little Rock, Ark. 1.54 118,606 76,884 2.01
  First Illinois Bancorp Inc. East St. Louis 1.54 8,462 5,486 1.62
48 Cathay General Bancorp Los Angeles 1.53 137,830 89,893 1.25
  Quail Creek Bancshares Inc. Oklahoma City 1.53 11,472 7,493 2.05
  First-West Texas Bancshares Inc. Midland 1.53 14,909 9,750 1.52
51 Manhattan Banking Corp. Kan. 1.52 22,696 14,888 1.95
  Guardian Bancorp Inc. West Chester, Ohio 1.52 12,760 8,405 1.55
53 Ambank Co. Inc. Sioux Center, Iowa 1.51 18,004 11,941 1.87
54 Bank of Southside Virginia Corp. Carson 1.50 9,950 6,621 1.71
55 Prosperity Bancshares Inc. Houston 1.49 297,441 199,122 1.44
  Choice Financial Holdings Inc. Fargo, N.D. 1.49 21,109 14,165 2.43
57 Parke Bancorp Inc. Sewell, N.J. 1.48 10,473 7,098 1.31
58 Farmers Bancorp Inc. Blytheville, Ark. 1.47 8,662 5,874 2.11
  East West Bancorp Inc. Pasadena, Calif. 1.47 342,483 232,649 1.24
  Home BancShares Inc. Conway, Ark. 1.47 113,063 77,025 1.63
61 Amarillo National Bancorp Inc. Texas 1.46 78,531 53,637 2.06
62 Oritani Financial Corp. Township of Washington, N.J. 1.45 40,908 28,180 1.32
  National Bankshares Inc. Blacksburg, Va. 1.45 16,914 11,690 1.50
64 Belle Fourche Bancshares Inc. Spearfish, S.D. 1.43 10,298 7,177 1.71
  First Security Bancorp Searcy, Ark. 1.43 101,535 70,895 2.17
66 Centrabanc Corp. Waco, Texas 1.42 11,259 7,948 1.60
67 Republic Bancorp Co. Oak Brook, Ill. 1.40 28,479 20,350 1.94
  Washington Federal Inc. Seattle 1.40 155,534 111,144 1.07
69 Ida Grove Bancshares Inc. Iowa 1.39 22,121 15,914 1.76
70 Nodaway Valley Bancshares Inc. Maryville, Mo. 1.38 15,969 11,531 1.95
  Whitcorp Financial Co. Leoti, Kan. 1.38 14,183 10,300 1.93
72 American Bank Inc. Allentown, Pa. 1.36 5,150 3,776 1.00
  WestStar Bank Holding Co. Inc. El Paso, Texas 1.36 22,495 16,574 2.14
74 Putnam Bancshares Inc. Hurricane, W.Va. 1.35 6,230 4,602 0.99
  CVB Financial Corp. Ontario, Calif. 1.35 104,021 77,118 1.46
76 TrustCo Bank Corp NY Glenville 1.34 44,193 32,879 0.97
77 Heritage Bancorp Reno, Nev. 1.32 8,657 6,534 1.61
  FEO Investments Inc. Norfolk, Neb. 1.32 7,882 5,964 1.22
79 First Financial Banc Corp. El Dorado, Ark. 1.31 22,671 17,318 2.56
80 Magnolia Banking Corp. Ark. 1.30 16,695 12,809 1.75
81 Watford City Bancshares Inc. N.D. 1.28 39,240 30,658 2.23
82 Traditional Bancorp. Inc. Mount Sterling, Ky. 1.27 18,609 14,618 1.63
83 International Bancshares Corp. Laredo, Texas 1.26 153,151 121,659 1.26
  Hometown Community Bancorp Inc. Morton, Ill. 1.26 40,827 32,460 1.42
85 Stockman Financial Corp. Miles City, Mont. 1.25 49,335 39,434 1.79
  West Bancorp. Inc. West Des Moines, Iowa 1.25 20,040 16,086 1.32
87 Midwest Community Bancshares Inc. Marion, Ill. 1.23 7,199 5,836 NA
  Pinnacle Bancorp Inc. Central City, Neb. 1.23 125,969 102,175 1.63
  Orrstown Financial Services Inc. Shippensburg, Pa. 1.23 29,142 23,658 2.48
  Northern Bancorp Inc. Woburn, Mass. 1.23 15,476 12,583 1.32
  First Metro Bancorp Muscle Shoals, Ala. 1.23 7,764 6,329 1.48
92 Lakeland Financial Corp. Warsaw, Ind. 1.22 43,792 35,846 1.32
  Hudson City Bancorp Inc. Paramus, N.J. 1.22 157,965 129,330 0.42
  Anchor Bancorp Lacey, Wash. 1.22 9,582 7,876 2.47
95 First Financial Bankshares Inc. Abilene, Texas 1.21 89,559 73,717 1.67
  Plains Bancorp Inc. Dimmitt, Texas 1.21 18,675 15,407 1.60
  Ally Financial Inc. Detroit 1.21 1,150,000 949,000 0.76
  Dime Community Bancshares Inc. Brooklyn, N.Y. 1.21 44,246 36,653 1.03
  Forstrom Bancorp. Inc. Clara City, Minn. 1.21 7,517 6,229 1.35
100 Citizens Bancshares Inc. Bluffton, Ohio 1.19 11,833 9,914 1.77
  SBC Inc. Countryside, Ill. 1.19 9,253 7,779 1.58
102 Blue Valley Ban Corp. Overland Park, Kan. 1.18 12,761 10,826 2.09
  Wilshire Bancorp Inc. Los Angeles 1.18 59,009 50,092 1.57
104 Western Alliance Bancorp. Phoenix 1.17 147,951 126,630 1.50
  United Bankshares Inc. Charleston, W.Va. 1.17 129,888 111,280 1.11
106 Citizens Financial Services Inc. Mansfield, Pa. 1.16 13,385 11,505 1.48
  Security Star Bancshares Inc. Midland, Texas 1.16 17,545 15,113 2.02
  BBCN Bancorp Inc. Los Angeles 1.16 88,615 76,692 1.30
109 Riverview Bancorp Inc. Vancouver, Wash. 1.15 19,613 17,106 2.39
  NEB Corp. Fond Du Lac, Wis. 1.15 22,444 19,582 1.34
111 Lone Star State Bancshares Inc. Lubbock, Texas 1.14 11,008 9,667 1.71
  NexBank Capital Inc. Dallas 1.14 25,601 22,492 1.68
113 Peoples Bancorp Inc. Prairie Du Chien, Wis. 1.13 8,931 7,880 1.49
  UBT Bancshares Inc. Marysville, Kan. 1.13 6,240 5,526 1.10
  Midland Financial Co. Oklahoma City 1.13 213,068 188,724 2.10
  Dakota Community Banshares Inc. Hebron, N.D. 1.13 13,717 12,175 1.89
117 Planters Financial Group Inc. Clarksville, Tenn. 1.12 11,747 10,451 1.45
  Beresford Bancorp. Inc. Britton, S.D. 1.12 9,424 8,410 1.65
  Bank First National Corp. Manitowoc, Wis. 1.12 12,620 11,301 1.17
120 First Fidelity Bancorp Inc. Oklahoma City 1.11 24,910 22,398 1.76
  Westamerica Bancorp. San Rafael, Calif. 1.11 60,646 54,777 1.22
122 Central Community Corp. Temple, Texas 1.10 20,130 18,275 1.45
123 Heartland Bancorp Inc. Bloomington, Ill. 1.09 47,439 43,690 1.87
  Blackhawk Bancorp. Inc. Milan, Ill. 1.09 12,670 11,669 1.15
125 Midland Financial Corp. Casper, Wyo. 1.08 10,356 9,587 1.49
  Hometown Banc Corp Grand Island, Neb. 1.08 14,049 13,006 1.20
  Ames National Corp. Iowa 1.08 15,251 14,159 1.21
128 First Nebraska Bancs Inc. Sidney 1.07 9,210 8,588 1.58
  Northern Bankshares Inc. McFarland, Wis. 1.07 6,493 6,055 1.53
  Starion Bancorp. Bismarck, N.D. 1.07 18,174 16,967 1.73
  Independence Bancshares Inc. Owensboro, Ky. 1.07 21,186 19,792 1.46
  United Services Automobile Association San Antonio 1.07 3,409,624 3,193,360 2.65
133 General Electric Capital Corp. Norwalk, Conn. 1.06 7,234,442 6,794,648 1.40
  Paducah Bank Shares Inc. Ky. 1.06 9,993 9,404 1.86
  Legend Bancorp Inc. Bowie, Texas 1.06 11,732 11,075 1.94
136 U.S. Bancorp Minneapolis 1.05 5,851,000 5,564,000 1.54
  BankUnited Inc. Miami Lakes, Fla. 1.05 204,215 194,636 1.22
138 Hills Bancorp. Iowa 1.04 26,974 25,981 1.21
139 Thomasville Bancshares Inc. Ga. 1.03 8,416 8,168 1.41
  FirstBank Holding Co. Lakewood, Colo. 1.03 175,432 170,822 1.27
141 First National Community Bancorp Inc. Dunmore, Pa. 1.02 13,420 13,111 1.38
  OFG Bancorp San Juan, Puerto Rico 1.02 85,181 83,221 1.10
  NewFirst Financial Group Inc. El Campo, Texas 1.02 11,427 11,170 2.01
  City Holding Co. Charleston, W.Va. 1.02 52,962 51,845 1.56
  PacWest Bancorp Los Angeles 1.02 168,905 165,920 1.27
146 Hanmi Financial Corp. Los Angeles 1.01 49,789 49,368 1.45
  Southern Utah Bancorp. Cedar City 1.01 10,520 10,447 1.32
148 RBB Bancorp Los Angeles 1.00 10,428 10,425 1.29
  NATCOM Bancshares Inc. Superior, Wis. 1.00 8,620 8,661 1.66
150 First Bancorp Inc. Damariscotta, Maine 0.99 14,709 14,887 1.00
  Honat Bancorp Inc. Honesdale, Pa. 0.99 7,370 7,472 1.26
  ConnectOne Bancorp Inc. Englewood Cliffs, N.J. 0.99 18,565 18,829 0.74
153 Luther Burbank Corp. Santa Rosa, Calif. 0.98 34,604 35,151 0.91
  First National Bank of Gillette Holding Co. Wyo. 0.98 6,265 6,383 1.14
  North American Bancshares Inc. Sherman, Texas 0.98 26,008 26,581 1.22
  215 Holding Co. Minneapolis 0.98 10,801 11,063 1.60
  Ouachita Bancshares Corp. Monroe, La. 0.98 11,672 11,966 1.79
  First National Bancshares Inc. East Lansing, Mich. 0.98 14,172 14,529 1.96
159 Bank of Highland Park Financial Corp. Ill. 0.97 10,990 11,315 0.92
  First of Long Island Corp. Glen Head, N.Y. 0.97 23,014 23,718 0.92
  American Express Co. New York 0.97 5,885,000 6,094,000 3.82
162 Glacier Bancorp Inc. Kalispell, Mont. 0.96 112,755 117,066 1.42
  S&T Bancorp Inc. Indiana, Pa. 0.96 57,910 60,442 1.22
  Financial Corp. of Louisiana Crowley 0.96 11,112 11,599 1.66
  Ironhorse Financial Group Inc. Muskogee, Okla. 0.96 23,342 24,367 2.14
  Neighbor Insurance Agency Inc. Marion, Iowa 0.96 9,696 10,133 1.47
  1st Summit Bancorp of Johnstown Inc. Pa. 0.96 9,570 10,003 1.08
168 Eagle Bancorp Inc. Bethesda, Md. 0.95 54,609 57,268 1.32
  CBX Corp. Carrollton, Ill. 0.95 13,466 14,179 1.17
170 Pedcor Financial LLC Carmel, Ind. 0.94 4,694 4,996 NA
  Alliance Financial Services Inc. St. Paul, Minn. 0.94 10,146 10,799 1.82
  Rockhold BanCorp Inc. Kirksville, Mo. 0.94 2,837 3,023 0.50
  Westbrand Inc. Minot, N.D. 0.94 11,547 12,343 1.32
  First New Mexico Financial Corp. Deming 0.94 5,009 5,356 1.16
175 Customers Bancorp Inc. Wyomissing, Pa. 0.93 43,214 46,427 0.78
  First Bancorp Inc. Lebanon, Va. 0.93 18,034 19,398 1.33
  Capital One Financial Corp. McLean, Va. 0.93 4,428,436 4,775,328 1.48
  American National Corp. Omaha, Neb. 0.93 39,414 42,545 1.48
  First York Ban Corp. Neb. 0.93 20,907 22,587 1.60
180 Planters Holding Co. Indianola, Miss. 0.92 8,949 9,679 1.14
  First Financial Northwest Inc. Renton, Wash. 0.92 10,687 11,634 1.17
182 Leackco Bank Holding Co. Inc. Wolsey, S.D. 0.91 8,178 8,955 1.40
  Carbon County Holding Co. Rawlins, Wyo. 0.91 3,822 4,206 2.15
184 PNC Financial Services Group Inc. Pittsburgh 0.90 4,184,251 4,624,994 1.28
  Central Bancorp. Provo, Utah 0.90 12,359 13,715 1.60
  Embassy Bancorp Inc. Bethlehem, Pa. 0.90 6,405 7,134 0.91
187 Flushing Financial Corp. Lake Success, N.Y. 0.89 44,239 49,444 0.91
  Commercial Holding Co. Paris, Tenn. 0.89 9,698 10,869 1.47
  First Keystone Corp. Berwick, Pa. 0.89 10,211 11,445 1.13
  Midland Bancshares Inc. Texas 0.89 11,500 12,894 1.01
  United Community Bancorp Inc. Chatham, Ill. 0.89 21,716 24,383 1.25
  Norwood Financial Corp. Honesdale, Pa. 0.89 7,657 8,616 1.08
  California First National Bancorp Irvine 0.89 9,052 10,220 1.55
194 Guaranty Capital Corp. Belzoni, Miss. 0.88 9,981 11,314 1.63
  Farmers Enterprises Inc. Great Bend, Kan. 0.88 11,240 12,754 1.59
  Bank of Hawaii Corp. Honolulu 0.88 163,042 185,212 1.14
197 Merchants Bancorp Inc. Hillsboro, Ohio 0.87 6,905 7,917 1.10
  Wood & Huston Bancorp. Inc. Marshall, Mo. 0.87 8,602 9,869 1.51
  First Citizens Financial Corp. Mason City, Iowa 0.87 13,846 15,935 1.18
  Bar Harbor Bankshares Maine 0.87 14,613 16,836 1.03


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 May 18, 2015.

Source:

SNL Financial
, Charlottesville, Va.
© 2015 American Banker