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Banks, thrifts and holding companies

Banks and Thrifts with Highest Nonperformer Ratios

February 24, 2005, 10:08 a.m. EST 1 Min Read
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Banks and Thrifts with Highest Nonperformer Ratios

Banks and Thrifts with Highest Nonperformer Ratios
On Sept. 30, 2004. Dollars in thousands
Published February 24, 2005
    Holding company Institution type Ratio* Year earlier Nonperformers Net chargeoffs** Assets
1 Howard Savings Bank Glenview, Ill. none savings bank 100.00% 0.05 $7,913 0.00% $9,403
2 Flower Bank FSB Chicago Umbrella Bancorp Inc., Summit Argo, Ill. thrift 28.19 12.09 14,033 1.32 76,625
3 First National Bank Lubbock, Tex. Western Bancshares Inc., Van Horn, Tex. commercial bank 26.84 10.46 6,173 16.03 34,908
4 Community Bank of Lawndale Chicago IBC Bancorp Inc., Chicago commercial bank 24.75 15.65 5,577 0.44 40,565
5 Eastern Savings Bank FSB Hunt Valley, Md. none thrift 18.96 26.03 118,991 0.09 709,292
6 Harvard Savings Bank Harvard, Ill. none savings bank 18.16 0.47 16,381 0.07 118,974
7 Exchange Bank Gibbon, Neb. Exchange Co., Gibbon, Neb. commercial bank 17.76 1.34 12,550 5.96 90,946
8 First Bank and Trust Co. of Illinois Palatine Hershenhorn Bancorp., Palantine, Ill. commercial bank 15.87 26.18 50,916 0.09 528,513
9 Bank of Lake Village Ark. Southeast Arkansas Bank Corp., Lake Village, Ark. commercial bank 15.36 10.06 6,880 5.26 64,136
10 First National Bank of Evant Tex. none commercial bank 14.75 1.30 2,305 -0.1 23,921
11 Purdum State Bank Neb. none commercial bank 14.21 20.18 2,330 0.76 20,028
12 Lincoln State Bank Rochelle, Ill. Lincoln Bancorp Inc., Rochelle, Ill. savings bank 14.03 2.90 4,920 0.05 42,036
13 Asia-Europe-Americas Bank Seattle AEA Bancshares Inc., Seattle commercial bank 13.57 5.55 11,204 1.85 116,961
14 Farmers Deposit Bank Eminence, Ky. Premier Financial Bancorp, Huntington, W.Va. commercial bank 13.30 15.66 7,126 10.1 95,003
15 Georgia Community Bank Dalton none thrift 13.03 2.30 5,306 6 45,406
16 Ottawa Savings Bank Ill. none savings bank 12.91 0.72 16,036 0.01 165,787
17 WebBank Salt Lake City none commercial bank 12.57 12.49 1,734 5.59 16,634
18 Unity National Bank of Houston none commercial bank 11.90 3.99 5,103 1.91 55,903
19 CIB Bank Hillside, Ill. CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 11.80 6.01 85,577 4.03 1,250,693
20 Holladay Bank and Trust Co. Salt Lake City none commercial bank 11.18 9.14 3,072 0.3 38,978
21 First Enterprise Bank Oklahoma City none commercial bank 10.98 9.24 13,026 1.31 140,771
22 Bank of Anguilla Miss. none commercial bank 10.85 7.99 6,179 1.03 88,509
23 Traders Bank Spencer, W.Va. Traders Bankshares Inc., Spencer, W.Va. commercial bank 10.19 9.07 8,319 0.31 110,338
24 Twin Oaks Savings Bank Marseilles, Ill. none savings bank 10.05 1.00 2,803 -0.02 52,960
25 Triad Bank Tulsa Triad Bancshares Inc., Tulsa commercial bank 9.61 12.27 7,265 0.25 87,818
26 Marine Bank Wauwatosa, Wis. CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 9.45 3.26 19,149 0.91 306,202
27 First National Bank of Gilmer Tex. First Gilmer Bankshares Inc., Tex. commercial bank 9.30 5.21 7,571 4.8 153,778
28 Oakland State Bank Iowa Oak Bancorp., Oakland, Iowa commercial bank 9.23 5.81 1,503 0.41 26,019
29 Pine Island Bank Minn. Zumbrota Agency Inc., Minn. commercial bank 9.21 8.48 2,043 1 44,068
30 First National Bank of Marin Las Vegas Marin National Bancorp, Las Vegas commercial bank 9.10 13.84 22,305 14.67 204,176
31 Oklahoma State Bank Oklahoma City Town and Country Bancshares Inc., Oklahoma City commercial bank 9.02 9.53 1,702 2.97 37,484
32 Greater South Texas Bank Falfurrias none commercial bank 8.93 NA 1,619 2.7 25,732
33 CIB Bank Indianapolis CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 8.61 1.84 7,278 2.86 128,497
34 National Bank of Gainesville Ga. NBOG Bancorp. Inc., Gainsville, Ga. commercial bank 8.19 1.08 3,220 2.13 52,863
35 First National Bank of St. Marys W.Va. First National Bancorp Inc., St. Marys, W.Va. commercial bank 8.13 5.10 2,100 0.05 38,813
36 Central Illinois Bank Champaign CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 8.10 2.24 37,021 4.41 681,637
37 Towanda State Bank Kan. none commercial bank 8.09 6.50 380 0.11 7,750
38 First National Bank of Le Roy Kan. Le Roy Bancshares Inc., Kan. commercial bank 7.99 3.22 1,232 -0.71 22,294
39 First National Bank of New Holland Ohio Community First Financial Bancorp, New Holland, Ohio commercial bank 7.76 2.58 2,489 2.9 36,287
40 First National Bank of Goliad Tex. American Bank Holding Corp., Corpus Christi, Tex. commercial bank 7.70 11.26 2,171 2.35 40,807
41 First National Bank of Lindsay Okla. First Lindsay Corp., Okla. commercial bank 7.66 5.26 1,158 4.18 25,851
42 Farmers State Bank of Oakley Kansas Security Bancshares Inc., Scott City, Kan. commercial bank 7.64 5.87 3,426 3.06 72,300
43 Alliant Bank Sedgwick, Kan. none commercial bank 7.56 3.55 844 0.37 19,366
44 Pella State Bank Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 7.52 7.09 2,753 0.95 62,586
45 Park Bank Holmen, Wis. none commercial bank 7.46 6.22 2,489 1.44 41,938
46 First National Bank of Wiggins Miss. none commercial bank 7.45 9.64 2,011 2.23 50,358
47 Kinderhook State Bank Ill. none commercial bank 7.34 7.75 1,298 0.81 27,105
48 First State Bank Picher, Okla. First Picher Bancshares Inc., Okla. commercial bank 7.33 5.49 261 -0.07 6,735
49 Concordia Bank Mo. Concordia Banc-Management, Mo. commercial bank 7.32 2.94 2,615 0.24 47,706
50 DeWitt Bank and Trust Co. Ark. DBT Financial Corp., DeWitt, Ark. commercial bank 7.16 6.38 5,692 0.16 105,253
51 Heron Lake State Bank Minn. Heron Lake Bancshares Inc., Minn. commercial bank 7.10 5.38 1,039 2.77 28,269
52 Colorado Mountain Bank Westcliffe Custer Bancorp Westcliffe, Colo. commercial bank 7.07 1.04 4,043 3.97 72,401
  Bank of Houston Mo. Ozark Bancshares Inc., Houston, Mo. commercial bank 7.07 5.08 1,991 -0.08 52,679
54 Bank of Okolona Miss. Bancorp of Okolona, Miss. commercial bank 7.04 5.22 3,012 1.34 56,495
55 First National Bank of Stratton Colo. Stratton Bancshares Inc., Colo. commercial bank 7.03 4.32 1,635 -0.01 36,858
56 Marquette Farmers State Bank Kan. none commercial bank 6.99 4.42 1,116 0 23,172
57 Home National Bank Racine, Ohio none commercial bank 6.93 4.39 2,559 0.8 52,293
58 First National Bank of Wamego Kan. Wamego Bancshares Inc., Kan. commercial bank 6.87 4.37 3,824 0.58 74,782
59 Grand Haven Bank Mich. Capitol Bancorp Ltd., Lansing, Mich. commercial bank 6.83 2.14 7,431 0.64 117,511
60 Midwestone Bank Burlington, Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 6.71 NA 8,615 0.37 178,002
61 Ulster Savings Bank Kingston, N.Y. none savings bank 6.61 8.57 26,080 0.01 567,047
62 Van Horn State Bank Tex. Western Bancshares Inc., Van Horn, Tex. commercial bank 6.56 0.51 1,172 0.36 24,172
63 Independence Bank East Greenwich, R.I. none commercial bank 6.49 9.71 1,801 0.59 49,020
64 Citizens Community Bank Decatur Ill. none commercial bank 6.41 6.72 561 0.02 13,572
65 First National Bank Henryetta, Okla. First Okmulgee Corp., Okla. commercial bank 6.38 2.07 2,225 0.47 60,557
66 First National Bank and Trust Co. in Larned Kan. Pawnee Bancshares Inc., Larned, Kan. commercial bank 6.35 3.37 1,998 0.92 62,153
  State Bank of Scotia Neb. none commercial bank 6.35 4.80 811 0.92 23,323
68 Community State Bank Brook, Ind. none commercial bank 6.34 1.85 1,359 -0.02 33,491
69 First Capital Bank Guthrie, Okla. FCB Holdings Inc., Guthrie, Okla. commercial bank 6.32 4.01 4,690 0.16 83,808
70 Security State Bank Iron River, Wis. Security Bank Shares Inc., Iron River, Wis. commercial bank 6.31 6.79 4,422 0.63 99,323
71 Synergy Bank SSB Waco, Tex. Premier Bancshares Inc., Dallas savings bank 6.28 0.68 3,450 0.61 73,300
72 Central Valley Bank Ottumwa, Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 6.21 NA 6,085 0.99 119,156
73 Delta Trust and Bank Parkdale, Ark. Delta Trust and Banking Corp., Little Rock commercial bank 6.12 5.54 8,624 0.3 197,437
74 First State Bank of Healy Kan. none commercial bank 5.97 2.64 1,427 -2.84 39,051
  First Bankcentre Broken Arrow, Okla. Healthcare Bancorp Inc., Broken Arrow, Okla. commercial bank 5.97 2.76 1,113 0.77 26,801
76 Midwestone Bank and Trust Co. Oskaloosa, Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 5.95 4.68 $13,250 0.43% $264,952
77 First National Bank of Paonia Colo. North Fork Corp., Paonia, Colo. commercial bank 5.91 1.14 1,499 3.26 46,873
78 Farmers and Merchants Bank of Hill City Kan. Stockton Bancshares Inc., Kan. commercial bank 5.85 2.68 1,709 0.08 33,696
79 Baileyville State Bank Seneca, Kan. Baileyville Bancshares Inc., Seneca, Kan. commercial bank 5.81 3.12 833 -0.02 24,204
80 Beal Bank Plano, Tex. Beal Financial Corp., Dallas savings bank 5.80 9.21 164,648 0.69 4,562,767
81 Bank of Clarks Neb. Clark Bancshares Inc., Clarks, Neb. commercial bank 5.69 4.64 1,576 0.49 32,569
  Ripley National Bank Ohio none commercial bank 5.69 1.34 2,314 3.17 52,590
83 Security State Bank Wellington, Kan. SSB Holdings Inc., Wellington, Kan. commercial bank 5.64 2.14 1,100 2.26 38,842
84 Adams County Building and Loan Co. West Union, Ohio none thrift 5.62 5.51 881 0 25,286
85 Gordon Bank Ga. none commercial bank 5.59 NA 1,268 1.2 37,930
86 Citizens Bank New Tazewell, Tenn. Citizens Bancorp Inc., New Tazewell, Tenn. commercial bank 5.58 2.40 4,621 0.65 135,089
  Mercedes National Bank Tex. Mercedes Bancorp Inc., Tex. commercial bank 5.58 3.22 1,672 0.52 39,775
88 Community Bank of Trenton Ill. none commercial bank 5.56 0.59 1,997 0.26 54,504
89 Farmers Security Bank Washburn, N.D. McLean Bank Holding Co., Garrison, N.D. commercial bank 5.55 6.08 957 0.18 27,366
90 Preferred Bank Casey, Ill. Preferred Bancorp Inc., Casey, Ill. commercial bank 5.53 3.82 1,702 1.2 44,063
91 Erie State Bank Ill. Forrest Bancshares, Inc., Ill. commercial bank 5.48 0.23 701 0.04 18,532
92 National Bank of Geneva N.Y. Financial Institutions Inc., Warsaw, N.Y. commercial bank 5.47 5.49 21,558 1.63 696,794
93 Heartland Community Bank Bryant, Ark. HCB Bancshares Inc., Camden, Ark. thrift 5.43 2.31 2,855 0.22 104,948
  Progressive-Home Federal Savings and Loan Assn. Pittsburgh none thrift 5.43 5.69 2,456 0.12 78,574
95 First Premier Bank Sioux Falls, S.D. United National Corp., Sioux Falls, S.D. commercial bank 5.42 0.41 36,292 16.46 943,558
96 First State Bank of Okabena Minn. Hartman Bancshares Inc., Okabena, Minn. commercial bank 5.39 6.19 692 -0.27 24,810
  Prinsburg State Bank Minn. PSB Financial Shares Inc.,Prinsburg, Minn. commercial bank 5.39 0.95 1,331 -0.06 37,192
98 First State Bank Keyes, Okla. First Keyes Bancshares Inc., Keyes, Okla. commercial bank 5.37 6.60 1,212 0.32 42,261
99 Metrobank Farmington Hills, Mich. Citizens First Bancorp, Port Huron. Mich. savings bank 5.35 2.92 6,130 -0.14 171,646
100 Bankfirst Sioux Falls, S.D. Bankfirst Corp. Inc., Sioux Falls, S.D. commercial bank 5.33 6.93 18,734 0.05 654,105
101 Continental National Bank of Harlowton Mont. none commercial bank 5.30 1.64 1,444 0.46 39,239
102 First National Bank of Spearville Kan. none commercial bank 5.29 1.55 528 0.1 16,473
103 Central Bank for Savings Winona, Miss. none thrift 5.24 3.88 1,453 -0.17 33,745
104 Wells Fargo Bank Northwest Ogden, Utah Wells Fargo & Co., San Francisco commercial bank 5.23 1.54 1,948,000 0.55 38,414,000
105 Builders Bank Chicago Builders Financial Corp., Chicago commercial bank 5.21 12.59 14,970 0.49 396,236
  Putnam County National Bank of Carmel N.Y. none commercial bank 5.21 6.74 5,710 -0.02 180,952
107 American Premier Bank Arcadia, Calif. American Premier Bancorp, Arcadia, Calif. commercial bank 5.16 0.00 1,271 0 42,520
108 North Adams State Bank Ursa, Ill. North Adams Bancshares Inc., Ursa, Ill. commercial bank 5.08 0.64 817 0.4 27,756
  Harwood State Bank N.D. HSB Financial Corp., Harwood, N.D. commercial bank 5.08 2.19 590 -0.28 20,187
110 First National Bank Graford Tex. none commercial bank 5.05 1.88 1,279 1.19 47,117
111 Merrick Bank South Jordan, Utah none commercial bank 5.04 6.91 26,879 9.08 486,874
112 Banner County Bank Harrisburg, Neb. Banner County Bancorp, Harrisburg, Neb. commercial bank 5.02 2.07 686 -0.06 26,007
113 Franklin Grove Bank Ill. none commercial bank 4.99 0.00 616 0 24,428
114 Alden State Bank Mich. none commercial bank 4.98 2.92 8,225 0.42 197,869
115 First National Bank American East Lansing, Mich. First National Bancshares, East Lansing, Mich. commercial bank 4.97 5.64 14,303 0.75 346,363
116 Franklin State Bank and Trust Co. Winnsboro, La. Franklin Bancorp Inc., Winnsboro, La. commercial bank 4.94 4.74 3,010 0.35 93,860
  Merchants and Farmers Bank Holly Springs, Miss. M&F Bancorp Inc., Holly Springs, Miss. commercial bank 4.94 4.02 1,806 0.27 63,524
118 Farmers and Merchants Bank Eatonton, Ga. Putnam-Greene Financial Corp., Eatonton, Ga. commercial bank 4.92 2.68 5,181 0.06 151,822
119 United Texas Bank Dallas none commercial bank 4.91 4.33 2,363 -0.35 87,359
120 Resource Bank NA De Kalb, Ill. Resource Bancshares Inc., De Kalb, Ill. commercial bank 4.90 6.91 6,939 0.06 218,013
121 State Bank of Cairo Neb. none commercial bank 4.88 6.52 2,115 -0.32 72,595
122 Fairbank State Bank Iowa Independence Bancshares Inc., Iowa commercial bank 4.87 0.00 821 0 24,023
123 Bank of Waukegan Ill. Northern States Financial Corp., Waukegan, Ill. commercial bank 4.86 4.21 18,007 0.72 634,268
124 Lakeside Community Bank Sterling Heights, Mich. Michigan Community Bancorp, Sterling Heights, Mich. commercial bank 4.83 2.64 1,760 -2.91 48,441
  First State Bank Bigfork, Minn. Bigfork Bancshares Inc., Minn. commercial bank 4.83 3.27 1,507 -0.13 40,613
126 Peoples State Bank Jeffersonville, Ga. Four County Bancshares Inc., Allentown, Ga. commercial bank 4.79 4.44 590 3.04 21,035
127 Community State Bank of Canton Okla. Canton Bancshares Inc., Okla. commercial bank 4.78 3.60 892 1.15 25,310
128 Jersey State Bank Jerseyville, Ill. JSB Bancorp Inc., Jerseyville, Ill. commercial bank 4.77 5.54 2,794 0.29 115,527
129 Union Federal Bank of Indianapolis Waterfield Mortgage Co., Fort Wayne, Ind. thrift 4.76 5.04 100,301 0.32 3,503,280
  Security State Bank Sebeka, Minn. Sebeka Bancshares Inc., Minn. commercial bank 4.76 2.30 611 0 24,595
131 Gladewater National Bank Tex. East Texas Financial Corp., Kilgore commercial bank 4.75 4.28 821 0.61 25,725
132 State Bank of Cochran Ga. Central Georgia Banking Co., Cochran commercial bank 4.72 4.54 6,449 0.46 152,366
  Goodman State Bank Mo. none commercial bank 4.72 2.13 361 0.1 12,554
134 Landmark Community Bank Isanti, Minn. Johnson Holdings Inc., Isanti, Minn. commercial bank 4.69 1.13 4,109 0.04 103,113
135 Heritage Bank Ashland, Ky. Heritage Capital Corp., Ashland, Ky. commercial bank 4.68 0.73 3,591 3.5 104,929
  Tioga-Franklin Savings Bank Philadelphia none savings bank 4.68 4.52 458 0 16,092
137 First State Bank of Northwest Arkansas Huntsville BTS Bancshares Inc., Huntsville, Ark. commercial bank 4.67 3.97 2,068 1.59 63,210
138 Greater Chicago Bank Bellwood, Ill. Bellwood Bancorp. Inc., Ill. commercial bank 4.66 3.36 2,306 0.11 61,568
139 Montezuma State Bank Iowa Kercheval Ltd. Partnership, Largo, Fla. commercial bank 4.65 2.07 957 0.25 31,808
  Tri-State Bank of Memphis none commercial bank 4.65 8.40 3,051 0.02 124,941
141 Banktennessee Collierville Civitas Bankingroup Inc., Franklin, Tenn. commercial bank 4.64 7.97 6,506 0.8 193,145
142 BankPacific Ltd. Hagatna, Guam Trust of J and A Flores, Agana, Guam thrift 4.62 3.85 3,010 0.73 80,336
143 Rushville State Bank Mo. none commercial bank 4.60 4.34 615 0.15 23,324
144 State Bank of Wheaton Minn. Traverse County Investment Corp., Wheaton, Minn. commercial bank 4.57 4.90 2,282 0.57 59,387
  First Federal of South Carolina Walterboro First Carolina Bancshares, Walterboro, S.C. thrift 4.57 2.90 2,831 0.1 97,568
146 Monroe State Bank Iowa Monroe Bancshares Ltd., Iowa commercial bank 4.55 6.25 487 0 20,909
  High Desert State Bank Albuquerque none commercial bank 4.55 3.34 1,174 0.3 35,954
148 Farmers State Bank of Hoffman Minn. Hoffman Bancshares Inc., Hoffman, Minn. commercial bank 4.54 2.53 589 0.08 24,443
  National Bank of North East North East, Pa. North East Bancshares Inc., North East, Pa. commercial bank 4.54 6.10 2,331 0.17 68,412
  Calumet County Bank Brillion, Wis. Calumet Bancshares Inc., Brillion, Wis. commercial bank 4.54 3.21 1,754 0.38 61,266



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.
**January through September. Chargeoffs, minus recoveries credited to the loan-loss allowance, divided by average loans and leases.
Source: Highline Banking Data Services (877-305-6657)
© 2005 American Banker

Banks, thrifts and holding companies