Banks and Thrifts with Highest Nonperformer Ratios

August 17, 2005, 10:08 a.m. EDT 1 Min Read

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Banks and Thrifts with Highest Nonperformer Ratios
On March 31, 2005. Dollars in thousands Published August 17, 2005
Rank		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Asia-Europe-Americas Bank Seattle	AEA Bancshares Inc., Seattle	commercial bank	23.46%	1.90%	$13,221	2.70%	$106,978
2	Flower Bank FSB Chicago	Umbrella Bancorp Inc., Summit, Ill.	thrift	20.89	7.95	9,337	0.70	74,979
3	Bank of Lake Village Ark.	Southeast Arkansas Bank Corp., Lake Village	commercial bank	19.95	14.31	6,282	-0.02	56,268
4	Eastern Savings Bank FSB Hunt Valley, Md.	none	thrift	19.07	20.69	126,383	0.04	727,158
5	Community Bank of Lawndale Chicago	IBC Bancorp Inc., Chicago	commercial bank	16.58	15.74	3,520	0.16	39,171
6	Holladay Bank and Trust Co. Salt Lake City	none	commercial bank	15.25	13.37	4,364	-0.03	41,097
7	MyLubbockBank	Western Bancshares Inc., Van Horn, Tex.	commercial bank	14.65	6.59	5,075	2.70	53,485
8	First National Bank of Evant Tex.	none	commercial bank	13.72	5.40	1,747	2.38	22,115
9	Farmers Deposit Bank Eminence, Ky.	Premier Financial Bancorp, Huntington, W.Va.	commercial bank	12.26	17.04	5,562	2.48	86,448
10	Bank of Anguilla Miss.	none	commercial bank	11.38	11.34	5,583	-0.06	81,936
11	Purdum State Bank Neb.	none	commercial bank	10.66	20.85	1,491	1.01	18,871
12	Georgia Community Bank Dalton	none	thrift	10.50	12.29	3,716	4.17	43,677
13	Continental National Bank of Harlowton Mont.	none	commercial bank	10.16	4.65	2,367	0.36	39,000
14	Bank of Bearden Ark.	Bearden Bancshares Inc., Ark.	commercial bank	9.32	0.31	1,900	-0.02	33,048
15	Surety Bank Fort Worth	Surety Capital Corp., Fort Worth	commercial bank	9.14	2.09	4,059	-0.12	50,080
16	Pine Island Bank Minn.	Zumbrota Agency Inc., Minn.	commercial bank	8.98	4.43	2,204	0.03	46,497
17	Exchange Bank Gibbon, Neb.	Exchange Co., Gibbon, Neb.	commercial bank	8.95	12.12	5,327	0.71	91,767
18	Bank of Durango Colo.	Ameribanc Holdings, Durango, Colo.	commercial bank	8.71	0.96	3,130	0.87	43,806
19	Kit Carson State Bank Colo.	Kit Carson Insurance Agency, Colo.	commercial bank	8.68	5.24	2,540	-0.09	50,020
20	Traders Bank Spencer, W.Va.	Traders Bankshares Inc., Spencer, W.Va.	commercial bank	8.59	7.26	6,110	5.78	108,101
21	First National Bank of St. Marys W.Va.	First National Bancorp Inc., St. Marys, W.Va.	commercial bank	8.56	7.21	2,188	0.39	37,403
22	Kinderhook State Bank Ill.	none	commercial bank	8.49	6.59	1,194	-0.13	25,307
23	San Jose Tri County Bank Ill.	American Heritage Banco Inc., Fremont, Ind.	commercial bank	8.36	4.15	409	2.77	6,586
24	Montezuma State Bank Iowa	Kercheval Ltd. Partnership, Largo, Fla.	commercial bank	8.29	3.44	1,772	-0.04	33,346
25	National Bank of Geneva N.Y.	Financial Institutions Inc., Warsaw, N.Y.	commercial bank	8.19	5.71	30,079	1.69	670,127
26	Triad Bank NA Tulsa	Triad Bancshares Inc., Tulsa	commercial bank	8.11	8.79	6,650	0.02	104,448
27	Marine Bank Wauwatosa, Wis.	CIB Marine Bancshares Inc., Pewaukee, Wis.	commercial bank	7.86	4.71	10,650	-0.25	263,789
28	First State Bank of Miami Miami, Tex.	Miami Bancshares Inc., Miami. Tex.	commercial bank	7.84	0.70	1,080	-0.17	25,314
29	Pella State Bank Iowa	MidWestOne Financial Group, Oskaloosa, Iowa	commercial bank	7.81	6.17	3,154	1.24	66,753
30	Progressive-Home Federal Savings and Loan Assn. Pittsburgh	none	thrift	7.77	6.20	3,207	0.00	75,237
31	First National Bank Henryetta, Okla.	First Okmulgee Corp. Okmulgee, Okla.	commercial bank	7.74	6.11	3,034	0.35	62,828
32	First State Bank Keyes, Okla.	First Keyes Bancshares Inc.Keyes, Okla.	commercial bank	7.70	9.68	1,670	0.05	41,768
33	Oklahoma State Bank Oklahoma City	Town and Country Bancshares Inc., Oklahoma City	commercial bank	7.66	10.66	1,562	1.60	35,861
34	American State Bank Lawrenceburg, Ind.	American State Corp., Lawrenceberg, Ind.	commercial bank	7.39	1.92	3,239	2.17	66,967
35	Mercedes National Bank Tex.	Mercedes Bancorp Inc., Tex.	commercial bank	7.37	3.85	2,042	2.13	36,212
36	Beal Bank SSB Plano, Tex.	Beal Financial Corp., Dallas	savings bank	7.28	6.58	130,618	0.49	2,610,401
37	Citizens Bank Hickman, Ky.	Citizens Bancorp of Hickman, Ky	commercial bank	7.16	1.41	4,088	0.35	86,442
38	First National Bank American East Lansing, Mich.	First National Bancshares, East Lansing, Mich.	commercial bank	7.15	4.63	19,764	0.37	319,424
39	Central Valley Bank Ottumwa, Iowa	MidWestOne Financial Group, Oskaloosa, Iowa	commercial bank	6.92	4.12	6,832	0.77	118,867
	Dutton State Bank Mont.	Dutton Bancorp. Inc., Mont.	commercial bank	6.92	3.22	775	0.00	20,790
41	Greater South Texas Bank Falfurrias	none	commercial bank	6.91	NA	1,100	2.23	25,444
42	Marquette Farmers State Bank Kan.	none	commercial bank	6.89	6.78	1,122	2.79	25,517
43	Bank of Okolona Miss.	Bancorp of Okolona, Miss.	commercial bank	6.88	9.06	2,856	1.50	56,453
	First National Bank of Lindsay Okla.	First Lindsay Corp., Okla.	commercial bank	6.88	7.77	1,173	0.37	26,279
45	Midwestone Bank Burlington, Iowa	MidWestOne Financial Group, Oskaloosa, Iowa	commercial bank	6.82	4.68	8,675	1.12	173,475
46	Belt Valley Bank Belt, Mont.	none	commercial bank	6.80	4.94	2,198	1.42	50,602
47	Citizens Community Bank Decatur Ill.	none	commercial bank	6.77	10.04	576	0.23	14,560
	First National Bank of Goliad Tex.	American Bank Holding Corp., Corpus Christi	commercial bank	6.77	8.33	1,842	0.44	42,184
49	Citizens Bank of Kansas Kingman	King Bancshares Inc., Kingman, Kan.	commercial bank	6.72	2.30	6,046	-0.11	160,629
50	First State Bank Crossett, Ark.	Evergreen Bancshares Inc. Crossett, Ark.	commercial bank	6.49	0.93	1,202	1.01	27,551
51	Community Bank of Trenton Ill.	none	commercial bank	6.41	1.28	2,421	0.10	58,178
52	United Community Bank Oakwood, Ill.	Oakwood Bancorp Inc., Springfield, Ill.	commercial bank	6.35	0.60	1,519	0.39	40,326
	Bank of Greensburg La.	none	commercial bank	6.35	3.51	2,499	0.49	59,765
54	Home National Bank Racine, Ohio	none	commercial bank	6.31	6.84	2,416	0.63	53,171
55	First Bank and Trust Co. of Illinois Palatine	Hershenhorn Bancorp., Palantine, Ill.	commercial bank	6.28	17.52	19,899	0.16	501,110
	First Integrity Bank Staples, Minn.	First Integrity Bancorp, Staples, Minn.	commercial bank	6.28	2.01	2,897	-0.39	60,624
	Park Bank Holmen, Wis.	none	commercial bank	6.28	6.18	2,215	0.67	41,577
58	DeWitt Bank and Trust Co. Ark.	DBT Financial Corp., DeWitt,Ark.	commercial bank	6.23	7.61	4,526	0.34	106,093
59	First National Bank Ashdown, Ark.	First National Security Co., De Queen, Ark.	commercial bank	6.20	1.73	2,604	2.77	80,858
60	Metrobank Farmington Hills, Mich.	Citizens First Bancorp, Port Huron, Mich.	savings bank	6.13	3.77	7,470	0.02	170,859
61	Bank of Leeton Mo.	Bancorp V Inc., Stilwells, Kan.	commercial bank	6.12	0.30	347	0.59	9,310
62	American National Bank Parma, Ohio	American National Bancorp, Parma, Ohio	commercial bank	6.11	4.23	1,517	0.59	30,386
63	White Hall Bank Ill.	Lima Bancshares Inc. Lima, Ill.	commercial bank	6.09	0.32	1,997	0.04	45,398
64	First National Bank Rosedale, Miss.	Rosedale First National Corp., Miss.	commercial bank	5.99	0.29	1,764	0.35	42,602
65	First National Bank Graford Tex.	none	commercial bank	5.98	2.94	1,388	0.97	42,018
66	First State Bank Picher, Okla.	First Picher Bancshares Inc., Okla.	commercial bank	5.97	6.79	223	-0.55	6,285
67	Farmers State Bank of Oakley Kansas	Security Bancshares Inc., Scott City, Kan.	commercial bank	5.88	10.17	2,495	0.01	70,146
68	Midwestone Bank and Trust Co. Oskaloosa, Iowa	MidWestOne Financial Group, Oskaloosa, Iowa	commercial bank	5.86	4.81	13,495	0.61	274,617
69	Citizens Bank of Cochran Ga.	Putnam-Greene Financial Corp., Eatonton, Ga.	commercial bank	5.84	6.10	3,056	5.11	76,942
70	Alliant Bank Sedgwick, Kan.	none	commercial bank	5.78	6.35	715	0.00	20,372
71	CIB Bank Indianapolis	CIB Marine Bancshares Inc., Pewaukee, Wis.	commercial bank	5.76	4.44	3,655	1.40	123,622
72	Alden State Bank N.Y.	none	commercial bank	5.75	2.75	6,463	0.93	184,312
73	First National Bank of New Holland Ohio	Community First Financial Bancorp, New Holland, Ohio	commercial bank	5.68	1.89	1,616	0.27	33,437
74	First National Bank of St. Ignace Mich.	none	commercial bank	5.59	3.67	5,835	1.87	189,861
75	Western Bank Alamogordo, N.M.	Western Bancshares, Carlsbad, Minn.	commercial bank	5.57	3.27	2,262	0.41	59,689
76	First National Bank Rocky Mount, Va.	none	commercial bank	5.55	2.62	8,917	0.14	285,510
77	Farmers State Bank Schell City, Mo.	Farmers Financial Corp.Bolivar, Mo.	commercial bank	5.50	0.35	2,403	0.00	59,178
	Mount Troy Bank Pittsburgh	none	thrift	5.50	0.25	2,089	0.01	71,709
79	Memphisfirst Community Bank	MemphisFirst Corp.	commercial bank	5.46	6.72	807	0.00	26,619
80	Central National Bank Lynchburg, Va.	none	commercial bank	5.45	3.61	3,663	0.07	107,913
81	Colorado Mountain Bank Westcliffe, Colo.	Custer Bancorp Westcliffe, Colo.	commercial bank	5.43	6.67	3,189	-0.25	69,902
82	Central Bank for Savings Winona, Miss.	none	thrift	5.40	3.38	1,376	-0.02	31,920
83	Heritage Bank Ashland, Ky.	Heritage Capital Corp., Ashland, Ky.	commercial bank	5.37	2.54	3,519	2.62	95,132
84	First Farmers and Merchants State Bank Grand Meadow, Minn.	215 Holding Co., Minneapolis	commercial bank	5.36	0.00	1,164	-0.02	28,570
	Shenandoah National Bank Staunton, Va.	none	commercial bank	5.36	2.67	3,917	0.15	117,360
86	Citizens Progressive Bank Columbia, La.	none	commercial bank	5.22	0.89	1,463	0.26	37,749
87	State Central Bank Keokuk, Iowa	Logan Investment Corp. Keokuk, Iowa	commercial bank	5.21	3.30	6,053	-0.12	171,540
88	McClain Bank Purcell, Okla.	McClain County Bancorp Purcell, Okla.	commercial bank	5.15	4.26	4,609	0.06	140,802
89	Advance Bank Baltimore, Md.	none	thrift	5.14	5.09	2,208	0.04	72,679
90	Independence Federal Bank Iowa	none	thrift	5.13	3.46	801	0.00	21,940
	Tri-State Bank of Memphis	none	commercial bank	5.13	7.31	3,340	0.02	115,848
92	Baileyville State Bank Seneca, Kan.	Baileyville Bancshares Inc., Seneca, Kan.	commercial bank	5.12	5.61	737	-0.06	24,201
93	National Bank of North East Pa.	North East Bancshares Inc., Pa.	commercial bank	5.08	6.70	2,668	-0.08	66,647
94	Eastbank Minneapolis	Eastbank Corp., Minneapolis	commercial bank	5.07	2.15	1,292	0.00	31,911
95	First National Bank of Wiggins Miss.	none	commercial bank	5.03	7.37	1,344	0.03	45,106
96	Hartwick State Bank Iowa	Hartwick Bancshares Inc., Iowa	commercial bank	5.01	0.00	621	0.00	20,689
	Harwood State Bank N.D.	HSB Financial Corp., Harwood, Mo.	commercial bank	5.01	4.53	538	-0.07	19,895
98	Scotiabank de Puerto Rico Hato Rey	Bank of Nova Scotia, Toronto	commercial bank	4.96	3.89	60,246	-0.36	1,258,827
99	Platte Center Bank Neb.	none	commercial bank	4.94	0.00	165	-0.12	5,823
100	Farmers and Merchants State Bank Alpha, Minn.	none	commercial bank	4.93	2.12	764	0.53	24,413
101	First National Exchange Bank Roanoke, Va.	none	commercial bank	4.89	1.25	6,736	0.12	225,619
102	First National Bank of Mount Pulaski Ill.	First National Financial Corp., Mount Pulaski, Ill.	commercial bank	4.87	4.67	1,494	1.21	49,234
103	Community Bank of Shell Knob Mo.	B.B. Bancshares Inc., Shell Knob, Mo.	commercial bank	4.86	2.53	523	-0.04	15,097
104	State Bank of Scotia Neb.	none	commercial bank	4.78	2.52	599	1.98	22,804
	First Bankcentre Broken Arrow, Okla.	Healthcare Bancorp Inc., Broken Arrow, Okla.	commercial bank	4.78	5.47	827	2.29	25,708
106	First National Bank of Southern Kansas Mount Hope	Mount Hope Bancshares Inc., Kan.	commercial bank	4.76	4.56	1,722	0.13	59,454
	Putnam County National Bank of Carmel N.Y.	none	commercial bank	4.76	5.81	5,760	-2.40	170,515
108	Mancos Valley Bank Colo.	Southern Colorado Corp., Inverness, Ill.	commercial bank	4.74	4.61	1,158	0.02	40,547
109	Exchange State Bank St. Paul, Kan.	Southeast Kansas Bancshares Girard	commercial bank	4.71	0.57	1,350	-0.11	56,541
	Merchants and Farmers Bank Holly Springs, Miss.	M&F Bancorp Inc. Holly Springs, Miss.	commercial bank	4.71	5.36	1,582	0.29	63,781
111	Merchants and Planters Bank Newport, Ark.	M&P Community Bancshares Newport, Ark.	commercial bank	4.69	3.54	3,468	1.77	147,177
	First State Bank Purdy, Mo.	Purdy Bancshares Inc. Monett, Mo.	commercial bank	4.69	3.40	3,079	-0.02	127,871
113	Ulster Savings Bank Kingston, N.Y.	none	savings bank	4.66	5.76	19,454	0.00	573,857
114	First National Bank and Trust Phillipsburg, Kan.	Golden Plains Bankshares Phillipsburg, Kan.	commercial bank	4.65	1.72	3,651	-0.15	153,910
115	City State Bank of Palacios Tex.	City State Bancshares Inc. Palacios, Tex.	commercial bank	4.63	2.78	1,234	0.00	41,680
116	First Capital Bank Guthrie, Okla.	FCB Holdings Inc. Guthrie, Okla.	commercial bank	4.62	4.47	3,835	-0.16	93,188
	First National Bank of Anson Tex.	Anson Bancshares Inc., Tex.	commercial bank	4.62	3.03	1,424	-0.58	45,729
118	Cottonport Bank La.	Mansura Bancshares Inc., La.	commercial bank	4.61	5.44	6,315	0.06	205,677
	Necedah Bank Wis.	Ambanc Financial Services, Beaver Dam, Wis.	commercial bank	4.61	7.83	1,044	-0.02	37,279
120	Bank of Waukegan Ill.	Northern States Financial Corp., Waukegan, Ill.	commercial bank	4.60	5.58	16,312	0.56	611,059
121	First Enterprise Bank Oklahoma City	none	commercial bank	4.59	8.14	4,925	-0.02	140,221
122	Cross Country Bank Wilmington, Del.	none	commercial bank	4.58	4.46	35,711	16.21	1,030,576
123	Citizens State Bank Okemah, Okla.	Citizens Bankshares Inc. Okehah, Okla.	commercial bank	4.52	5.69	825	0.35	31,178
124	Bank 1st Albuquerque	none	commercial bank	4.48	1.80	1,797	0.24	62,186
125	Delta Trust and Banking Parkdale, Ark.	Delta Trust And Banking Corp.Little Rock	commercial bank	4.47	6.83	6,974	0.36	201,180
	Hodge Bank and Trust Co. La.	Hodge Bancshares Inc.La.	commercial bank	4.47	2.46	1,247	0.17	47,971
127	Merrick Bank South Jordan, Utah	none	commercial bank	4.46	5.39	26,349	7.84	594,576
128	Hometown Community Bank Cyrus, Minn.	Cyrus Bancshares Inc.Minn.	commercial bank	4.45	0.49	715	3.74	20,790
129	First State Bank Beardstown, Ill.	First Beardstown BancorpBeardstown, Ill.	commercial bank	4.44	6.59	1,100	-0.05	46,839
130	Farmers and Merchants State Bank Appleton, Minn.	MPS Investment Co. Appleton, Minn.	commercial bank	4.41	6.20	779	0.04	34,646
	Community Bank Ronan, Mont.	Montana Community Banks Inc., Ronan	commercial bank	4.41	2.98	3,012	0.11	101,263
	First State Bank Hordville, Neb.	Firstand Co., Hordville, Neb.	commercial bank	4.41	1.13	597	0.00	25,326
133	First National Bank of Pontotoc Miss.	Pontotoc Bancshares Corp., Pontotoc, Miss.	commercial bank	4.40	1.90	6,266	0.93	213,634
	Southwestern Bank Oklahoma City	Southwestern Bancshares Inc., Oklahoma City	commercial bank	4.40	3.28	3,919	0.11	126,134
135	Prinsburg State Bank Minn.	PSB Financial Shares Inc., Prinsburg, Minn.	commercial bank	4.37	0.98	1,218	0.00	38,187
	Karnes County National Bank Tex.	none	commercial bank	4.37	1.99	1,324	0.08	56,376
137	Richton Bank and Trust Co. Miss.	Centon Bancorp Inc., Richton, Miss.	commercial bank	4.34	3.43	1,889	0.18	76,050
138	First State Bank Bigfork, Minn.	Bigfork Bancshares Inc. Minn.	commercial bank	4.33	4.18	1,471	-0.08	42,532
139	Park State Bank Duluth, Minn.	Park Bank Corp. of Duluth Minn.	commercial bank	4.31	1.05	911	0.00	26,927
140	First National Bank Davenport, Iowa	Uptown Bancorp. Inc., Britton, S.D.	commercial bank	4.29	0.93	1,906	-0.01	87,606
	Mount Washington Savings and Loan Corp. Cincinnati	none	thrift	4.29	5.18	2,082	0.00	58,897
142	Independence Bank East Greenwich, R.I.	none	commercial bank	4.28	7.62	1,150	-0.21	49,377
143	Fairbank State Bank Iowa	Independence Bancshares Inc.Iowa	commercial bank	4.27	0.00	680	0.22	26,469
144	United Bank of Philadelphia	United Bancshares Inc., Philadelphia	commercial bank	4.26	3.58	2,063	-0.01	72,952
145	Farnam Bank Neb.	Nebraska Bankshares Inc., Farnam	commercial bank	4.23	1.85	587	0.94	20,658
146	Carlinville National Bank Ill.	Carlinville National Bank Shares, Ill.	commercial bank	4.22	1.56	4,667	0.06	173,156
	Wyoming County Bank Warsaw, N.Y.	Financial Institutions Inc., Warsaw, N.Y.	commercial bank	4.22	2.26	21,571	0.73	779,208
	First Commercial Bank Seguin, Tex.	First Commercial Financial Corp., Seguin, Tex.	commercial bank	4.22	3.33	2,393	0.04	76,019
149	Woodsfield Savings Bank Ohio	none	savings bank	4.21	0.53	730	0.46	33,161
	Bank of St. Croix Christiansted, Virgin Islands	none	commercial bank	4.21	2.53	1,792	0.00	83,591

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 March chargeoffs, minus recoveries credited to the loan allowance, divided by average loans and leases.

Source: Highline Banking Data Services (877-305-6657)