© 2026 Arizent. All rights reserved.
Market Intelligence:
AI
Payments
Research
Industry Data
Banks, thrifts and holding companies

Banks and Thrifts with Highest Nonperformer Ratios

Published November 18, 2004, 10:08 a.m. EST
|
Updated January 02, 1970, 9:08 a.m. EST
1 Min Read
View Table
Printer Friendly Version
Banks and Thrifts with Highest Nonperformer Ratios

Banks and Thrifts with Highest Nonperformer Ratios
On June 30, 2004. Dollars in thousands
Published November 18, 2004
    Holding company Institution type Ratio* Year earlier Nonperformers Net chargeoffs** Assets
1 Howard Savings Bank Glenview, Ill. none savings bank 41.36% 5.54% $9,794 0.00% $37,925
2 First National Bank Lubbock, Tex. Western Bancshares Inc., Van Horn, Tex. commercial bank 26.28 5.95 6,624 22.39 37,690
3 Community Bank of Lawndale Chicago IBC Bancorp Inc., Chicago commercial bank 23.00 9.93 5,718 0.23 40,110
4 Purdum State Bank Neb. none commercial bank 21.08 27.00 3,402 0.02 20,329
5 Eastern Savings Bank Hunt Valley, Md. none thrift 19.84 25.98 122,545 0.22 706,132
6 Harvard Savings Bank Ill. none savings bank 18.00 0.94 16,524 0.05 120,973
7 Bank of Lake Village Ark. Southeast Arkansas Bank Corp., Lake Village commercial bank 17.63 8.72 7,776 7.25 63,391
8 First Bank and Trust Co. of Illinois Palatine Hershenhorn Bancorp, Palantine, Ill. commercial bank 17.40 20.04 54,741 0.60 538,693
9 Georgia Community Bank Dalton none thrift 15.00 0.64 6,751 0.25 48,914
10 Exchange Bank Gibbon, Neb. Exchange Co., Gibbon, Neb. commercial bank 14.55 2.80 10,603 3.97 91,230
11 Lincoln State Bank Rochelle, Ill. Lincoln Bancorp Inc., Rochelle, Ill. savings bank 13.80 1.59 4,729 0.01 40,797
12 Holladay Bank and Trust Co. Salt Lake City none commercial bank 13.04 12.57 3,384 0.02 39,979
13 Ottawa Savings Bank Ill. none savings bank 12.99 0.40 15,981 0.01 163,820
14 First National Bank of Evant Tex. none commercial bank 12.93 2.08 2,046 -0.10 24,330
15 First National Bank of Gaylord Mich. North Bancorp Inc., Gaylord, Mich. commercial bank 12.52 4.86 12,985 0.79 154,904
16 Farmers Deposit Bank Eminence, Ky. Premier Financial Bancorp, Huntington, W.Va. commercial bank 12.40 1.70 6,984 13.95 100,736
17 Greater South Texas Bank Falfurrias none thrift 12.28 10.85 2,478 0.58 28,160
18 Triad Bank Tulsa Triad Bancshares Inc., Tulsa commercial bank 12.12 11.33 9,109 0.32 84,800
19 Pine Island Bank Minn. Zumbrota Agency Inc., Minn. commercial bank 11.90 5.87 2,599 1.49 42,597
20 Oakland State Bank Iowa Oak Bancorp, Oakland, Iowa commercial bank 11.74 3.23 1,967 0.43 28,478
21 CIB Bank Hillside, Ill. CIB Marine Bancshares Inc., Pewwaukee, Wis. commercial bank 11.61 2.21 98,413 2.42 1,325,661
22 Bank of Anguilla Miss. none commercial bank 11.28 4.36 6,008 0.74 83,377
23 First National Bank of Gilmer Tex. First Gilmer Bankshares Inc., Tex. commercial bank 10.54 4.86 9,294 4.92 164,048
24 Traders Bank Spencer, W.Va. Traders Bankshares Inc., Spencer, W.Va. commercial bank 10.53 6.79 8,988 0.36 115,773
25 Oklahoma State Bank Oklahoma City Town and Country Bancshares Inc., Oklahoma City commercial bank 9.84 6.21 1,950 3.24 39,228
26 First Enterprise Bank Oklahoma City none commercial bank 9.66 10.49 11,195 1.66 145,664
27 Farmers State Bank of Oakley Kansas Security Bancshares Inc., Scott City, Kan. commercial bank 9.53 6.83 4,188 0.07 72,685
28 Valley Bank Fort Lauderdale, Fla. River Valley Bancorp Inc., Davenport, Iowa commercial bank 9.42 0.59 1,762 0.12 31,518
29 CIB Bank Indianapolis CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 9.00 1.86 8,751 0.00 144,544
30 First National Bank of Marin Las Vegas Marin National Bancorp, Las Vegas commercial bank 8.95 13.07 21,142 14.63 201,851
31 Marquette Farmers State Bank Kan. none commercial bank 8.92 4.17 1,374 0.00 22,660
32 First State Bank Beardstown Ill. First Beardstown Bancorp,Ill. commercial bank 8.60 2.62 2,270 -1.37 51,621
33 Asia-Europe-Americas Bank Seattle AEA Bancshares Inc., Seattle commercial bank 8.52 6.28 8,828 1.04 134,174
34 WebBank Salt Lake City none commercial bank 8.32 10.15 1,163 1.19 18,278
35 First National Bank of New Holland Ohio Community First Financial Bancorp, New Holland, Ohio commercial bank 8.28 2.06 2,908 3.10 40,741
36 Bank of HoustonMo. Ozark Bancshares Inc., Houston, Mo. commercial bank 8.06 6.00 2,277 -0.08 52,713
37 Alliant Bank Sedgwick, Kan. none commercial bank 7.99 1.11 894 0.00 20,018
38 Bank of Rio Vista Calif. none commercial bank 7.94 4.48 6,270 -0.28 153,572
39 Pella State Bank Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 7.90 8.33 2,797 0.80 63,535
40 Citizens Community Bank of Decatur Ill. none commercial bank 7.88 9.65 676 -0.16 13,788
41 Clarkson Bank Neb. Clarkson Management Co., Neb. commercial bank 7.70 3.70 1,479 0.52 38,068
42 Erie State Bank Ill. Forrest Bancshares Inc., Ill. commercial bank 7.41 4.81 905 0.06 18,675
43 First National Bank of St Mary's W.Va. First National Bancorp Inc., St Mary's, W.Va. commercial bank 7.41 5.19 1,882 -0.12 38,319
44 First National Bank of Wiggins Miss. none commercial bank 7.40 10.09 2,022 3.17 50,347
45 First National Bank of Lindsay Okla. First Lindsay Corp., Okla. commercial bank 7.37 5.40 1,031 5.99 26,116
46 First National Bank of Le Roy Kan. Leroy Bancshares Inc., Kan. commercial bank 7.36 2.18 1,227 -1.08 22,412
47 Bison State Bank Kan. none commercial bank 7.34 7.10 342 -1.13 8,416
48 First National Bank of Goliad Tex. American Bank Holding Corp., Corpus Christi commercial bank 7.17 0.81 2,138 2.30 40,725
49 Concordia Bank Mo. Concordia Banc-Management, Mo. commercial bank 7.11 1.39 2,585 0.10 48,965
50 First National Bank Henryetta, Okla. First Okmulgee Corp., Okla. commercial bank 6.97 2.99 2,354 0.40 62,145
51 Independence Bank East Greenwich R.I. none commercial bank 6.97 0.00 1,831 0.54 42,132
52 First State Bank Picher, Okla. First Picher Bancshares Inc., Okla. commercial bank 6.94 5.06 252 -0.11 6,956
53 Peoples Bank Sardis, Tenn. Peoples Bancshares Inc., Sardis, Tenn. commercial bank 6.91 2.25 1,343 0.30 37,089
54 Synergy Bank SSB Waco, Tex. Premier Bancshares Inc., Dallas savings bank 6.90 1.05 3,485 0.64 65,163
55 Colorado Mountain Bank Westcliffe Custer Bancorp, Westcliffe, Colo. commercial bank 6.85 0.16 3,937 6.14 71,969
56 Midwestone Bank Burlington, Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 6.81 NA 8,773 0.22 177,918
57 Home National Bank Racine, Ohio none commercial bank 6.79 4.43 2,513 0.94 51,811
58 Banner County Bank Harrisburg, Neb. Banner County Bancorp, Harrisburg, Neb. commercial bank 6.73 5.14 900 -0.08 25,203
59 Bank of Okolona Miss. Bancorp Of Okolona, Miss. commercial bank 6.72 4.46 2,877 0.44 55,829
60 Tri-State Bank of Memphis none commercial bank 6.70 8.65 4,480 0.11 133,371
61 Citizens State Bank Kelliher, Minn. Kelliher Bancshares Inc., Minn commercial bank 6.67 0.20 636 0.02 14,115
62 Baileyville State Bank Seneca, Kan. Baileyville Bancshares Inc., Seneca, Kan. commercial bank 6.66 1.71 941 0.03 23,709
63 Park Bank Holmen, Wis. none commercial bank 6.63 5.80 2,162 1.29 42,514
64 DeWitt Bank and Trust Co. Ark. DBT Financial Corp., DeWitt, Ark. commercial bank 6.60 5.18 5,599 0.34 114,121
65 Ulster Savings Bank Kingston, N.Y. none savings bank 6.58 9.51 24,987 0.01 563,436
66 First National Bank and Trust Co. in Larned Kan. Pawnee Bancshares Inc., Larned, Kan. commercial bank 6.56 3.66 2,265 1.40 64,743
67 Van Horn State Bank Tex. Western Bancshares Inc., Van Horn, Tex. commercial bank 6.43 0.73 1,165 0.45 25,211
68 Necedah Bank Wis. Ambanc Financial Services, Beaver Dam, Wis. commercial bank 6.41 4.85 1,276 -0.20 36,899
69 Kinderhook State Bank Ill. none commercial bank 6.38 8.75 1,142 1.12 26,961
70 First State Bank of Hotchkiss Colo. Custer Bancorp, Westcliffe, Colo. commercial bank 6.30 1.39 2,124 0.10 48,429
71 Progressive-Home Federal Savings and Loan Assn. Pittsburgh none thrift 6.29 4.75 2,877 0.03 81,543
72 Central Illinois Bank Champaign CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 6.20 1.68 34,995 3.13 770,140
73 Midwestone Bank and Trust Co. Oskaloosa, Iowa MidWestOne Financial Group, Oskaloosa, Iowa. commercial bank 6.14 4.90 13,614 0.37 262,235
74 Gordon Bank Ga. none thrift 6.12 7.48 1,282 1.50 38,852
75 National Bank of North East North East, Pa. North East Bancshares Inc., North East, Pa. commercial bank 6.05 5.64 3,098 0.62 75,203
76 Central Valley Bank Ottumwa, Iowa MidWestOne Financial Group, Oskaloosa, Iowa savings bank 0.06 NA 5,953 1.18 120,395
77 Builders Bank Chicago Builders Financial Corp., Chicago commercial bank 6.00 8.14 14,770 0.49 385,466
78 Mancos Valley Bank Mancos, Colo. Southern Colorado Corp., Pagosa Springs commercial bank 5.95 3.07 1,282 -0.04 39,165
79 First State Bank of Okabena Minn. Hartman Bancshares Inc., Okabena, Minn. commercial bank 5.95 5.45 725 -0.19 24,326
80 Bank of Clarks Neb. Clark Bancshares Inc., Neb. commercial bank 5.94 5.19 1,590 0.77 32,623
81 Americana National Bank Albert Lea, Minn. Americana Capital Corp., Albert Lea, Minn. commercial bank 5.93 4.73 2,479 0.53 80,309
82 Adams County Bank and Loan Co. West Union, Ohio none thrift 5.90 4.71 912 0.00 25,834
83 Heritage Bank Ashland, Ky. Heritage Capital Corp., Ashland, Ky. commercial bank 5.89 0.79 4,957 3.04 113,609
84 Bank of the Rockies White Sulphur Springs, Mont. Countricorp, White Sulphur Springs, Mont. commercial bank 5.87 1.35 2,711 0.05 58,075
85 Moorhead State Bank Iowa MSB Holding Co.,Inc. Moorehead, Iowa commercial bank 5.86 2.16 691 -0.44 14,768
86 Community State Bank Brook, Ind. none commercial bank 5.83 1.90 1,186 -0.03 31,772
87 Community Bank of Trenton Ill. none commercial bank 5.81 0.30 2,078 0.27 53,451
88 Rushville State Bank Mo. none commercial bank 5.77 5.94 731 0.28 22,885
89 Community Savings Bank Robins, Iowa Community Financial Corp.,Edgewood, Iowa commercial bank 5.75 2.03 2,576 0.33 69,088
90 First State Bank of Healy Kan. none commercial bank 5.75 4.51 1,326 -4.22 38,420
91 Jennings State Bank Davenport, Neb. Davenport Community Bancshares, Neb. commercial bank 5.74 1.95 635 0.00 20,312
92 Lakeside Community Bank Sterling Heights, Mich. Michigan Community Bancorp, Sterling Heights commercial bank 5.71 1.50 1,823 -2.42 42,751
93 Putnam County National Bank of Carmel N.Y. none commercial bank 5.69 6.71 6,082 -0.02 175,409
94 Citizens State Bank Okemah, Okla. Citizens Bankshares Inc., Okemah, Okla. commercial bank 5.65 5.83 816 1.24 27,404
95 First Bankcentre Broken Arrow, Okla. Healthcare Bancorp Inc., Broken Arrow, Okla. commercial bank 5.64 5.31 1,089 0.58 27,030
96 Capital Bank and Trust Co. Albany, N.Y. none commercial bank 5.54 2.78 3,439 0.33 84,143
97 Troy State Bank Kan. G and R Inc., Troy, Kan. commercial bank 5.50 2.29 695 0.06 20,584
98 BankPacific Ltd. Hagatna, Guam Trust of J and A Flores, Agana, Guam thrift 5.47 1.73 3,666 0.68 83,984
99 Farmers and Merchants Bank Eatonton, Ga. Putnam-Greene Financial Corp.,Eatonton, Ga. commercial bank 5.45 2.43 5,554 -0.02 148,367
100 Peoples State Bank Jeffersonville, Ga. Four County Bancshares Inc.,Allentown, Ga. commercial bank 5.45 4.38 649 2.44 21,082
101 Sobieski Bank South Bend, Ind. Sobieski Bancorp Inc., South Bend, Ind. thrift 5.44 2.70 3,038 1.66 105,110
102 National American Bank Uvalde, Tex. Clarity Holdings Inc., New York commercial bank 5.44 0.24 1,282 0.56 43,831
103 Liberty National Bank Longwood, Fla. Liberty Bancorp., Longwood, Fla. commercial bank 5.42 5.56 2,756 0.74 74,076
104 Flora Savings Bank Ill. none savings bank 5.38 0.85 1,051 0.30 27,801
105 First Southern Bank Florence, Ala. First Southern Bancshares, Florence, Ala. commercial bank 5.36 6.65 3,919 0.23 94,498
106 Bankhaven Haven, Kan. Wheatland Investments Inc., Haven, Kan. commercial bank 5.36 1.50 1,026 0.05 33,254
107 Cottonport Bank La. Mansura Bancshares Inc., La. commercial bank 5.36 5.60 7,324 0.48 205,089
108 Minden Exchange Bank and Trust Co. Neb. Armstrong Financial Co., Minden, Neb. commercial bank 5.36 6.33 4,904 -0.26 130,971
109 State Bank of Wheaton Minn. Traverse County Investment Corp., Wheaton, Minn. commercial bank 5.34 5.83 2,582 0.78 58,391
110 First National Bank Spearman, Tex. Spearman Bancshares Inc., Tex. commercial bank 5.34 1.95 2,374 0.08 72,449
111 State Bank of Odell Neb. S. and S. Investment Co., Odell, Neb. commercial bank 5.28 4.46 797 0.57 20,458
112 Unity National Bank of Houston none commercial bank 5.28 5.57 2,217 2.51 55,912
113 Farmers and Merchants Bank of Hill City Kan. Stockton Bancshares Inc., Kan. commercial bank 5.26 3.36 1,589 0.00 33,493
114 National Bank of Geneva N.Y. Financial Institutions Inc., Warsaw, N.Y. commercial bank 5.26 5.33 22,332 1.85 688,426
115 Bank of the Wichitas Snyder, Okla. none commercial bank 5.25 2.23 1,718 0.01 55,178
116 Resource Bank De Kalb Ill. Resource Bancshares Inc., DeKalb, Ill. commercial bank 5.24 6.26 7,456 0.16 215,222
117 State Bank of Taunton Minn. none commercial bank 5.24 1.86 877 0.14 31,580
118 Tioga-Franklin Savings Bank Philadelphia none savings bank 5.20 5.20 531 0.00 15,643
119 Garfield County Bank Jordan, Mont. Garfield County Bancshares, Jordan, Mont. commercial bank 5.16 3.03 953 0.11 25,376
120 Bank of Terrell Dawson, Ga. Georgia Community Bancorp, Reynolds commercial bank 5.15 1.85 3,995 2.63 118,082
121 Union Federal Bank of Indianapolis Waterfield Mortgage Co., Fort Wayne, Ind. thrift 5.15 2.74 117,237 0.22 3,543,287
122 Citrus Bank Vero Beach, Fla. CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 5.09 0.99 5,030 -0.15 183,558
123 High Desert State Bank Albuquerque none commercial bank 5.07 3.96 1,203 0.46 31,355
124 Bank of Waukegan Ill. Northern States Financial Corp., Waukegan, Ill. commercial bank 5.04 4.77 18,755 1.05 663,448
125 Garnavillo Savings Bank Iowa Garnavillo Bank Corp., Iowa commercial bank 5.02 2.69 764 0.05 24,480
126 United Texas Bank Dallas none commercial bank 5.02 2.55 2,496 -0.52 87,227
127 First National Bank of Wamego Kan. Wamego Bancshares Inc., Kan. commercial bank 5.01 6.14 2,843 0.76 81,757
128 First National Bank of Cambridge Neb. FNB Financial Services Inc., Cambridge, Neb. commercial bank 5.01 3.06 1,239 0.22 38,062
129 Hamlin National Bank Hamlin, Tex. Hamlin Financial Corp., Tex. commercial bank 5.01 4.93 2,430 -0.14 87,304
130 First Federal of South Carolina Walterboro First Carolina Bancshares MHC, Walterboro, S.C. thrift 5.00 2.61 2,983 0.07 96,799
131 Farmers Security Bank Washburn, N.D. McLean Bank Holding Co., Garrison, N.D. commercial bank 4.98 5.73 876 -0.06 27,366
132 Texline State Bank Tex. none commercial bank 4.98 5.22 407 -0.07 12,090
133 Banktennessee Collierville Civitas Bankgroup Inc., Franklin, Tenn. commercial bank 4.94 11.31 6,677 1.07 191,154
134 First National Bank Borger, Tex. Olney Bancshares of Texas commercial bank 4.92 0.98 1,440 -0.03 36,799
135 Community Development Bank Ogema, Minn. none thrift 4.90 0.04 513 0.06 16,760
136 Home Savings Bank Salt Lake City Home Credit Corp., Salt Lake City commercial bank 4.85 1.03 2,796 0.26 79,956
137 State Bank of Scotia Neb. none commercial bank 4.84 4.44 627 1.31 23,209
138 First Bank of Northern Kentucky Fort Mitchell F.N.B. Bancorp. Inc., Fort Mitchell, Ky. commercial bank 4.83 7.82 2,395 -2.36 67,233
139 Heron Lake State Bank Minn. Heron Lake Bancshares Inc., Minn. commercial bank 4.78 8.16 728 0.68 28,599
140 Peoples Bank Lyons, Ga. South Georgia Bankshare Corp., Lyons commercial bank 4.77 3.41 2,259 0.00 61,717
141 Franklin State Bank and Trust Co. Winnsboro, La. Franklin Bancorp Inc., Winnsboro, La. commercial bank 4.75 2.90 2,981 0.27 97,713
142 Alva State Bank and Trust Co. Okla. Grace Investment Co., Alva, Okla. commercial bank 4.75 6.50 5,196 0.24 162,647
143 First National Bank in Amboy Ill. Amboy Bancorp Inc., Ill. commercial bank 4.73 5.29 3,080 0.13 115,475
144 South Lafourche Bank and Trust Co. Larose, La. Lafourche Bancshares Inc., Larose, La. commercial bank 4.72 2.28 2,914 1.29 74,794
145 Red Cedar Bank Boyceville, Wis. none commercial bank 4.71 0.82 879 -0.07 27,194
146 Monroe State Bank Iowa Monroe Bancshares Ltd., Iowa commercial bank 4.70 10.69 490 0.00 20,771
147 Sloan State Bank Iowa Sloan State Corp., Iowa commercial bank 4.66 3.39 895 0.00 34,815
148 Marine Bank Wauwatosa, Wis. CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 4.66 2.39 10,792 1.41 333,081
149 Merrick Bank South Jordan, Utah none commercial bank 4.65 7.02 23,476 9.94 458,838
150 Greater Chicago Bank Bellwood, Ill. Bellwood Bancorp. Inc., Ill. commercial bank 4.61 1.25 2,124 0.07 60,839



Notes: Data from preliminary quarterly call reports and thrift financial reports from the FDIC and OTS. Excludes foreign holding companies and institutions whose assets were less than 50% loans.
*Nonperforming loans and leases as percent of gross loans and leases.
**Chargeoffs, minus recoveries credited to the loan-loss allowance, divided by average loans and leases.
Source: Highline Banking Data Services (877-305-6657)
© 2004 American Banker


Banks, thrifts and holding companies