Banks and Thrifts with Highest Nonperformer Ratios

December 01, 2005, 10:08 a.m. EST 1 Min Read

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Banks and Thrifts with Highest Nonperformer Ratios
On June 30, 2005. Dollars in thousands Published Dec. 1, 2005
		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net Chargeoffs**	Assets
1	Asia-Europe-Americas Bank Seattle	AEA Bancshares Inc., Seattle	commercial bank	24.69%	8.52%	$12,444	2.95%	$89,587
2	National Bank of Geneva N.Y.	Financial Institutions Inc., Warsaw, N.Y.	commercial bank	21.89	5.26	72,573	13.28	654,904
3	Community Bank of Lawndale Chicago	IBC Bancorp Inc., Chicago	commercial bank	16.21	23	3,454	0.17	40,884
4	Eastern Savings Bank FSB Hunt Valley, Md.	none	thrift	16.12	19.84	105,154	0.26	719,991
5	Flower Bank FSB Chicago	Umbrella Bancorp Inc., Summit Argo, Il.	thrift	15.64	10.28	7,322	4.62	66,324
6	First National Bank of New Holland Ohio	Community First Financial Bancorp, New Holland, Ohio	commercial bank	14.73	8.28	3,826	3.65	31,064
7	Bank of Lake Village Ark.	Southeast Arkansas Bank Corp, Lake Village	commercial bank	14.41	17.63	5,235	-0.03	56,054
8	WebBank Salt Lake City	none	commercial bank	14.14	8.32	577	0	7,989
9	First National Bank of Evant Tex.	none	commercial bank	13.12	12.93	1,707	1.1	23,863
10	Pine Island Bank Minn.	Zumbrota Agency Inc., Minn.	commercial bank	12.74	11.9	3,412	-0.16	46,120
11	Holladay Bank and Trust Co. Salt Lake City	none	commercial bank	12.72	13.04	3,226	-0.47	41,934
12	MyLubbockBank Tex.	Western Bancshares Inc., Van Horn, Tex.	commercial bank	12.33	6.43	4,200	3.42	53,756
13	Georgia Community Bank Dalton	none	thrift	11.96	15	3,920	3.01	42,019
14	Wyoming County Bank Warsaw, N.Y.	Financial Institutions Inc., Warsaw, N.Y.	commercial bank	11.49	3.44	55,969	5.91	738,460
15	Kent County State Bank Jayton, Tex.	Kenco Bancshares Inc., Jayton, Tex.	commercial bank	11.36	1.57	2,174	1.7	30,785
16	Farmers Deposit Bank Eminence, Ky.	Premier Financial Bancorp, Huntington, W.Va.	commercial bank	11.09	12.4	4,938	2.62	85,127
17	Bank of Anguilla Miss.	none	commercial bank	10.63	11.28	6,241	0.05	88,595
18	First National Bank of Buhl Minn.	Timberland Bancorp, Baxter, Minn.	commercial bank	9.99	1.34	1,300	12.62	17,573
19	Purdum State Bank Neb.	none	commercial bank	9.98	21.08	1,522	0.31	18,527
20	Unity National Bank of Houston	none	commercial bank	9.15	5.28	3,710	1.27	52,924
21	Mercedes National Bank Tex.	Mercedes Bancorp Inc.,Tex.	commercial bank	9.13	4.17	2,608	2.35	36,996
22	Greater South Texas Bank Falfurrias	none	commercial bank	8.97	NA	1,451	1.09	25,485
23	Montezuma State Bank Iowa	Kercheval Ltd Partnership, Largo, Fla.	commercial bank	8.91	2.88	1,942	0.08	32,084
24	Traders Bank Spencer, W.Va.	Traders Bankshares Inc., Spencer, W.Va.	commercial bank	8.88	10.53	6,021	5.06	103,598
25	First State Bank Crossett, Ark.	Evergreen Bancshares Inc., Crossett,Ark.	commercial bank	8.8	0.58	1,626	0.24	27,407
26	Bank of Durango Colo.	Ameribanc Holdings, Durango, Colo.	commercial bank	8.66	1.4	2,611	4.29	41,100
27	First State Bank of Miami Tex.	Miami Bancshares Inc., Tex.	commercial bank	8.47	0.11	1,174	0.47	25,637
28	First State Bank Keyes, Okla.	First Keyes Bancshares Inc., Okla.	commercial bank	8.42	7.63	1,877	0.02	40,198
	First National Bank Graford Tex.	none	commercial bank	8.42	3.47	1,843	2.53	40,787
30	San Jose Tri-County Bank Ill.	American Heritage Banco Inc., Fremont, Ind.	commercial bank	8.41	3.7	369	1.94	6,004
31	Moorhead State Bank Iowa	MSB Holding Co. Inc., Moorehead, Iowa	commercial bank	8.39	5.86	1,056	-0.05	13,564
32	Brickyard Bank Lincolnwood, Ill.	Brickyard Bancorp Inc., Lincolnwood, Ill.	commercial bank	8.28	9.37	6,267	-0.62	145,069
33	Central Valley Bank Ottumwa, Iowa	MidWestOne Financial Group,Osklaoosa, Iowa	commercial bank	8.15	6.02	8,499	0.81	128,496
34	Exchange Bank Gibbon, Neb.	Exchange Co..Gibbon, Neb.	commercial bank	8.11	14.55	5,094	0.61	96,536
35	Triad Bank Tulsa	Triad Bancshares Inc.,Tulsa	commercial bank	8.09	12.12	6,631	0.01	92,190
36	Bank of Jefferson S.C.	none	commercial bank	8.06	1.31	628	0.94	15,037
37	Bath National Bank Bath, N.Y.	Financial Institutions Inc., Warsaw, N.Y.	commercial bank	8.03	3.23	18,507	3.63	459,253
38	Midwestone Bank Burlington, Iowa	MidWestOne Financial Group,Oskaloosa, Iowa	commercial bank	8.02	6.81	10,290	0.86	174,045
	Tri-State Bank of Memphis	none	commercial bank	8.02	6.7	5,170	-0.27	120,580
40	Citizens State Bank Miles, Tex.	none	commercial bank	7.96	1.93	1,738	0.12	37,217
41	First National Bank of St. Ignace Mich.	none	commercial bank	7.82	3.65	8,314	1.25	194,743
42	Interstate Net Bank Cherry Hill, N.J.	none	commercial bank	7.74	0.51	17,816	0.4	275,645
43	First National Bank of St. Marys W.Va.	First National Bancorp Inc., St. Marys, W.Va.	commercial bank	7.73	7.41	1,973	1.88	34,820
44	Farmers State Bank of Denton Mont.	W.C. Edwards Holding Co., Denton, Mont.	commercial bank	7.61	0.21	1,004	1.22	15,703
45	First National Bank Henryetta, Okla.	First Okmulgee Corp., Okla.	commercial bank	7.52	6.97	2,947	0.88	60,403
46	Eastbank Minneapolis	Eastbank Corp., Minneapolis	commercial bank	7.42	0.88	1,386	3.41	29,264
47	First National Bank American East Lansing, Mich.	First National Bancshares, East Lansing, Mich.	commercial bank	7.18	4.46	19,289	0.28	310,222
48	Wilson State Bank Kan.	Wilson Bancshares Inc., Kan.	commercial bank	7.14	0	1,531	0.15	34,426
49	Putnam County National Bank of Carmel N.Y.	none	commercial bank	6.99	5.69	8,727	-1.18	164,393
	Beal Bank SSB Plano, Tex.	Beal Financial Corp., Dallas	thrift	6.99	6.63	112,731	0.52	2,242,029
51	Citizens Bank and Trust Co. of Chicago	Citizens Financial Corp., Chicago	commercial bank	6.79	0	3,498	0.03	69,473
52	First National Bank of Lindsay Okla.	First Lindsay Corp., Lindsay, Okla.	commercial bank	6.72	7.37	1,154	0.18	27,893
53	Coleridge National Bank Neb.	Gray Bancorp., Coleridge, Neb.	commercial bank	6.71	2.01	1,241	4.5	32,620
54	Farmers Bank Oconto, Neb.	Woodriver Banco Inc., Oconto, Neb.	commercial bank	6.7	4.46	846	0.57	20,121
55	Progressive-Home Federal Savings and Loan Assn. Pittsburgh	none	thrift	6.61	6.29	2,505	-0.05	73,179
56	Citizens Bank of Kansas Kingman	King Bancshares Inc., Kingman, Kan.	commercial bank	6.41	3.66	5,809	1.02	153,173
57	Nebraska State Bank Oshkosh	O and F Cattle Co., Oshkosh, Neb.	commercial bank	6.4	1.22	1,536	0	32,198
58	First Bank Wadley, Ala.	Peoples Independent Bancshares,Boaz, Ala.	commercial bank	6.39	7.39	1,719	0.67	53,454
59	Monroe State Bank Iowa	Monroe Bancshares Ltd.,Monroe, Iowa	commercial bank	6.38	4.7	692	0	20,423
60	First State Bank Danville, Va.	none	commercial bank	6.25	3.2	1,948	2.76	41,553
61	State Bank Benkelman, Neb.	Amfirst Financial Services, McCook, Neb.	commercial bank	6.2	0.34	1,526	1.04	36,544
62	State Bank of Scotia Neb.	none	commercial bank	6.16	4.84	830	0.95	23,382
63	McClain Bank Purcell, Okla.	McClain County Bancorp, Purcell, Okla.	commercial bank	6.04	3.81	5,541	0.17	143,605
64	De Witt Bank and Trust Co. Ark.	DBT Financial Corp., De Witt,Ark.	commercial bank	6.02	6.6	4,389	-0.03	103,132
	First Credit Bank Los Angeles	none	commercial bank	6.02	3.62	15,612	0	317,131
66	Surety Bank Fort Worth, Tex.	Surety Capital Corp., Fort Worth	commercial bank	6.01	2.58	2,608	0.25	48,825
67	Home National Bank Racine, Ohio	none	commercial bank	5.95	6.79	2,247	0.96	53,719
68	Kinderhook State Bank Ill.	none	commercial bank	5.86	6.38	762	0.71	24,337
69	Hodge Bank and Trust Co. La.	Hodge Bancshares Inc.,La.	commercial bank	5.85	2.32	1,664	0.18	48,194
70	Citizens Community Bank Decatur Ill.	none	commercial bank	5.82	7.88	490	2.19	14,074
71	Pella State Bank Iowa	MidWestOne Financial Group, Oskaloosa, Iowa	commercial bank	5.81	7.9	2,436	0.99	67,090
72	First National Bank of Southern Kansas Mount Hope	Mount Hope Bancshares Inc., Kan.	commercial bank	5.8	3.77	2,172	0.11	57,855
73	First State Bank Picher, Okla.	First Picher Bancshares Inc., Okla.	commercial bank	5.79	6.94	234	0.16	6,163
74	Independence Federal Bank Independence, Iowa	none	thrift	5.78	3.54	897	0	22,169
75	American National Bank Parma, Ohio	American National Bancorp, Parma, Ohio	commercial bank	5.75	4.34	1,464	0.84	30,445
76	First National Bank of Stratton Colo.	Stratton Bancshares Inc., Colo.	commercial bank	5.73%	2.86%	$1,623	0.00%	$41,941
77	Hometown Community Bank Cyrus, Minn.	Cyrus Bancshares Inc., Minn.	commercial bank	5.69	0.85	906	3.42	20,581
78	Metrobank Farmington Hills, Mich.	Citizens First Bancorp, Port Huron, Mich.	thrift	5.67	3.43	7,294	0.02	175,901
79	Bank of Weston Mo.	Wilson Bancshares Inc., Weston, Mo.	commercial bank	5.62	0.02	2,364	3.13	75,717
80	First Neighbor Bank Toledo, Ill.	First Neighborhood Bancshares, Toledo, Ill.	commercial bank	5.58	3.81	8,501	1.08	194,475
	Bank of Okolona Miss.	Bancorp of Okolona, Miss.	commercial bank	5.58	6.72	2,360	0.75	56,282
82	Crestmark Bank Troy, Mich.	Crestmark Bancorp Inc., Troy, Mich.	commercial bank	5.56	1.86	7,098	1.94	144,007
83	Alden State Bank N.Y.	none	commercial bank	5.55	3.99	6,215	0.93	182,366
84	North Side Federal Savings and Loan Assn. of Chicago	none	thrift	5.46	1.68	1,590	0	39,394
85	Farmers State Bank Schell City, Mo.	Farmers Financial Corp., Bolivar, Mo.	commercial bank	5.45	0.99	2,412	0.16	57,696
86	Ashton State Bank Neb.	none	commercial bank	5.43	0.86	376	0.03	10,406
87	Community Bank of Trenton Ill.	none	commercial bank	5.39	5.81	2,111	0.15	57,932
	Continental National Bank Harlowton Mont.	none	commercial bank	5.39	4	1,336	0.83	39,766
89	Alliant Bank Sedgwick, Kan.	none	commercial bank	5.38	7.99	704	0	20,765
90	Citizens Bank Hickman, Ky.	Citizens Bancorp of Hickman, Ky.	commercial bank	5.35	1.36	3,115	1.86	84,573
	Rolette State Bank N.D.	none	commercial bank	5.35	2.03	872	1.18	26,678
92	White Hall Bank White Hall, Ill.	Lima Bancshares Inc., Ill.	commercial bank	5.28	3.24	1,756	0.63	43,706
93	State Bank of Townsend Mont.	S.B.T. Financial Inc., Townsend, Mont.	commercial bank	5.25	2.84	1,218	0.01	35,821
94	First National Bank of Wiggins Miss.	none	commercial bank	5.24	7.4	1,342	0.05	45,627
95	Colorado Mountain Bank Westcliffe, Colo.	Custer Bancorp, Westcliffe, Colo.	commercial bank	5.21	6.85	3,148	-0.32	74,077
96	State Central Bank Keokuk, Iowa	Logan Investment Corp.,Keokuk, Iowa	commercial bank	5.19	3.47	6,525	0.36	169,861
97	First Federal Savings and Loan Assn. of Shelbyville Ill.	none	thrift	5.07	0.5	870	0	27,157
	Scotiabank de Puerto Rico Hato Rey	Bank of Nova Scotia, Toronto	commercial bank	5.07	3.89	61,670	-0.32	1,273,946
99	Citizens Progressive Bank Columbia, La.	none	commercial bank	5.06	1.02	1,502	0.16	37,483
100	First State Bank Bigfork, Minn.	Bigfork Bancshares Inc., Minn.	commercial bank	5.05	3.88	1,710	-0.07	39,914
101	Bank of Greensburg La.	none	commercial bank	5.04	4.17	1,981	1.05	58,727
102	Citizens Bank of Weir Kan.	none	commercial bank	5.02	1.52	261	-0.12	7,180
	New Richmond National bank Ohio	New Richmond Bancorp., Ohio	commercial bank	5.02	2.99	3,059	0.7	74,213
	First Bankcentre Broken Arrow, Okla.	Healthcare Bancorp Inc., Broken Arrow, Okla.	commercial bank	5.02	5.64	850	1.22	27,759
105	First Farmers and Merchants National Bank Fairmont, Minn.	215 Holding Co., Minneapolis	commercial bank	5	0.36	2,620	-0.02	59,984
106	Citizens State Bank Shakopee, Minn.	Shakopee Bancorp. Inc., Minn.	commercial bank	4.99	2.39	626	0.02	21,976
	First Enterprise Bank Oklahoma City	none	commercial bank	4.99	9.66	4,972	1.03	133,553
	Reelfoot Bank Union City, Tenn.	Reelfoot Bancshares Inc., Union City, Tenn.	commercial bank	4.99	1.01	4,947	0.19	139,680
109	First National Bank of Goliad Tex.	American Bank Holding Corp.,Corpus Christi, Tex.	commercial bank	4.96	7.17	1,306	1.64	42,201
110	Farmers and Merchants State Bank Alpha, Minn.	none	commercial bank	4.94	1.9	798	0.24	22,758
111	Bank of Greeneville Tenn.	BG Financial Group Inc., Greeneville, Tenn.	commercial bank	4.89	1.92	3,298	0.76	86,121
112	Park Bank Holmen, Wis.	none	commercial bank	4.83	6.63	1,718	0.67	45,748
113	Imperial Savings and Loan Association Inc. Martinsville, Va.	none	thrift	4.81	3.5	260	0.04	9,158
114	Colchester State Bank Ill.	none	commercial bank	4.8	3.56	1,023	0.54	34,617
115	Farmers Security Bank Washburn, N.D.	McLean Bank Holding Co., Garrison, N.D.	commercial bank	4.77	4.98	720	2.74	26,702
116	Merchants and Farmers Bank Holly Springs, Miss.	M&F Bancorp Inc., Holly Springs, Miss.	commercial bank	4.76	4.48	1,663	0.23	61,775
117	Baileyville State Bank Seneca, Kan.	Baileyville Bancshares Inc., Seneca, Kan.	commercial bank	4.73	6.66	719	-0.11	24,225
118	Mancos Valley Bank Colo.	Southern Colorado Corp., Inverness, Ill.	commercial bank	4.72	5.95	1,165	0	41,832
	Tioga-Franklin Savings Bank Philadelphia	none	thrift	4.72	5.2	482	0	16,841
120	Cottonport Bank La.	Mansura Bancshares Inc., La.	commercial bank	4.71	5.36	6,868	0.42	207,535
121	Bay Financial Savings Bank FSB Tampa	none	thrift	4.7	3.49	3,690	0.25	105,991
122	Regent Bank and Trust Co. Nowata, Okla.	Regent Bancshares Inc., Nowata, Okla.	commercial bank	4.68	3.88	2,127	0.06	76,721
123	Farmers Deposit Bank Middleburg, Ky.	Middleburg Bancorp Inc., Ky.	commercial bank	4.66	2.24	994	1.09	42,429
124	First Farmers and Merchants State Bank Grand Meadow, Minn.	215 Holding Co., Minneapolis	commercial bank	4.63	1.15	990	1.19	28,240
	First National Bank of Pontotoc Miss.	Pontotoc Bancshares Corp., Miss.	commercial bank	4.63	2.52	6,771	1.44	204,813
126	Heritage Bank Ashland, Ky.	Heritage Capital Corp., Ashland, Ky.	commercial bank	4.6	5.89	2,791	3.59	85,347
	Heron Lake State Bank Minn.	Heron Lake Bancshares Inc., Minn.	commercial bank	4.6	4.78	582	6.05	24,500
128	First National Bank of Brownstown Ill.	First Brownstown Bancorp, Ill.	commercial bank	4.56	1.88	609	1.31	21,343
	National Bank of North East North East, Pa.	North East Bancshares Inc., North East, Pa.	commercial bank	4.56	6.05	2,355	0.02	64,968
130	Anadarko Bank and Trust Co. Okla.	Falcon Bancorp Inc., Anadarko, Okla.	commercial bank	4.55	2.69	1,880	0.28	75,449
131	Delta Trust and Banking Parkdale, Ark.	Delta Trust and Banking Corp., Little Rock	commercial bank	4.53	4.43	7,571	1.8	211,724
	Carlinville National Bank Ill.	Carlinville National Bank Shares, Ill.	commercial bank	4.53	2.75	5,146	0.03	157,920
	Paragon Bank Wells, Minn.	Southern Minnesota Bancshares, Wells	commercial bank	4.53	1.51	1,266	1.22	32,965
134	Midwestone Bank and Trust Co. Oskaloosa, Iowa	MidWestOne Financial Group,Oskaloosa, Iowa	commercial bank	4.51	6.14	10,725	0.56	283,889
135	Adams County Bank and Loan Co. West Union, Ohio	none	thrift	4.49	5.9	704	0	24,729
	Omnibank Houston	Bancshares Inc., Houston	commercial bank	4.49	2.5	12,188	0.45	324,057
137	Alabama Trust BankSylacauga	none	commercial bank	4.48	2	1,509	0.8	62,142
138	Woodsfield Savings Bank Ohio	none	savings bank	4.47	0.7	777	0.38	32,957
139	Dutton State Bank Mont.	Dutton Bancorp. Inc., Mount.	commercial bank	4.42	4.32	534	0.67	20,957
140	First Bank and Trust Co. of Illinois Palatine	Hershenhorn Bancorp.,Palatine, Ill.	commercial bank	4.41	17.4	16,908	-0.11	497,101
141	First National Bank of Mount Pulaski Ill.	First National Financial Corp., Mount Pulaski, Ill.	commercial bank	4.35	3.76	1,273	0.65	47,637
142	Citizens State Bank Cortez, Colo.	Cortez Investment Co., Colo.	commercial bank	4.33	1.97	2,110	0.2	78,104
143	Gulf Federal Bank Mobile, Ala.	Gulf Financial Holdings Inc., Mobile, Ala.	thrift	4.32	4.47	438	0.38	18,413
144	Southwestern Bank Oklahoma City	Southwestern Bancshares Inc., Oklahoma City	commercial bank	4.31	3.35	3,900	0.52	127,209
145	Laona State Bank Wis.	Northern Wisconsin BHC, Laona	commercial bank	4.29	3.69	2,755	0.18	102,684
146	Fairbank State Bank Iowa	Independence Bancshares Inc., Iowa	commercial bank	4.28	2.03	687	0.11	26,729
147	United Community Bank Oakwood, Ill.	Oakwood Bancorp Inc., Springfield, Ill.	commercial bank	4.27	0.48	1,047	0.38	40,051
	First Capital Bank Guthrie,. Okla.	FCB Holdings Inc.,Guthrie, Okla.	commercial bank	4.27	4.28	3,327	0.37	87,896
149	Guide Rock State Bank Neb.	none	commercial bank	4.26	0.94	761	0.05	22,553
150	Peoples Bank Lyons, Ga.	South Georgia Bankshares Corp., Lyons	commercial bank	4.23	4.77	1,941	0	62,047

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 June chargeoffs, minus recoveries credited to the loan allowance. Divided by average loans and leases.
Source: Highline Banking Data Services (877-305-6657)
© 2005 American Banker