Banks and Thrifts with Highest Nonperformer Ratios

Published November 09, 2007, 10:08 a.m. EST

Updated January 02, 1970, 9:08 a.m. EST

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Banks and Thrifts with Highest Nonperformer Ratios

Banks and Thrifts with Highest Nonperformer RatiosOn June 30, 2007. Dollars in thousands Published November 9, 2007
		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Eastern Savings Bank Hunt Valley, Md.	none	thrift	26.49	18.16	233,037	0.21	991,558
2	Mesilla Valley Bank Las Cruces, N.M.	New Mexico First Financial Inc.	commercial bank	19.92	0.00	2,686	26.79	22,859
3	BankFirst Sioux Falls, S.D.	Marshall Bankfirst Corp.	commercial bank	18.38	1.08	72,307	3.41	541,569
4	Horizon Bank Oskaloosa, Iowa	Horizon Financial Services Corp.	thrift	16.44	1.43	17,532	3.18	120,325
5	Douglass National Bank Kansas City, Mo.	Douglass Bancorp Inc.	commercial bank	16.23	9.00	6,170	3.86	60,567
6	Community Bank of Lawndale Chicago, Ill.	IBC Bancorp Inc.	commercial bank	13.71	13.28	2,670	-0.04	35,115
7	HomeTown Bank of Villa Rica Ga.	GBank and Trust Bancshares Inc.	commercial bank	12.55	0.54	24,432	1.97	259,870
8	Mid America Bank and Trust Co. Dixon, Mo.	Mid America Banking Corp.	commercial bank	12.20	0.13	8,545	3.87	87,396
9	Golden First Bank Great Neck, N.Y.	none	thrift	12.14	0.00	1,757	-0.03	26,300
10	Marco Community Bank Marco Island, Fla.	Marco Community Bancorp Inc.	commercial bank	11.54	0.68	14,862	13.02	162,080
11	Miami Valley Bank Lakeview, Ohio	none	commercial bank	11.24	0.69	10,015	0.18	125,362
12	Coast Bank of Florida Bradenton	Coast Financial Holdings Inc.	commercial bank	10.96	0.23	63,671	0.60	741,663
13	Premier Bank Denver	PB Financial Group Inc.	commercial bank	10.55	5.26	6,671	1.69	93,998
14	First National Bank of Bellevue Ohio	First Bancshares Inc.	commercial bank	10.27	14.39	6,045	0.02	90,229
15	NetBank Alpharetta, Ga.	NetBank Inc.	thrift	10.14	2.43	166,533	0.32	2,473,806
	Family Merchants Bank Cedar Rapids, Iowa	Family Merchants Bancorp. Inc.	commercial bank	10.14	0.00	2,534	3.09	40,863
17	First National Bank and Trust Co. in Larned Kan.	Pawnee Bancshares Inc.	commercial bank	9.94	9.51	3,297	0.00	55,241
18	Merchants and Farmers Bank Dumas, Ark.	M and F Financial Corp.	commercial bank	9.70	3.66	4,862	3.73	78,183
19	Bramble Savings Bank Milford, Ohio	none	savings bank	9.66	3.26	4,571	1.64	56,920
20	First State Bank of Hotchkiss Colo.	Custer Bancorp.	commercial bank	9.61	3.32	3,219	0.20	53,310
21	Bank of the Wichitas Snyder, Okla.	none	commercial bank	9.54	0.78	6,368	0.29	87,890
22	Premier Bank Wilmette, Ill.	Premier Bancorp Inc.	commercial bank	9.53	1.61	14,462	0.98	216,307
23	Macomb Community Bank Clinton Township, Mich.	Capitol Bancorp Ltd.	commercial bank	9.42	1.92	8,202	0.42	90,391
24	First National Bank of Lindsay Okla.	First Lindsay Corp.	commercial bank	9.34	4.50	1,188	-3.18	23,018
25	Bank of Belton Mo.	Overland Bancorp Inc.	commercial bank	9.22	0.00	3,207	5.15	60,310
26	Key Community Bank Inver Grove Heights, Minn.	Inver Grove Bancshares Inc.	commercial bank	9.18	3.71	4,429	0.74	89,260
27	First State Bank Danville, Va.	none	commercial bank	9.11	14.61	1,923	0.98	31,197
28	ISN Bank Cherry Hill, N.J.	none	commercial bank	8.62	3.08	13,390	1.42	209,044
29	Bank of Cashton Wis.	Eagle Bancshares Inc.	commercial bank	8.45	0.32	3,008	0.31	50,274
30	Dryades savings bank FSB New Orleans	Dryades Bancorp Inc.	thrift	8.34	2.13	3,704	0.01	86,305
31	First National Bank of New Holland Ohio	Community First Financial Bancorp Inc.	commercial bank	8.28	12.70	1,308	0.81	22,573
32	Amboy National Bank Old Bridge, N.J.	Amboy Bancorp.	commercial bank	8.26	2.86	175,281	1.33	2,859,005
33	Louisville Community Development Bank Ky.	Louisville Development Bancorp Inc.	commercial bank	8.11	11.25	1,423	-0.26	32,863
34	Ebank Atlanta	ebank Financial Services Inc.	thrift	7.98	0.32	8,407	0.19	141,942
35	State Bank of Chilton Wis.	Calumet Bancorp. Inc.	commercial bank	7.96	4.35	12,245	0.13	167,951
36	Community National Bank North Branch, Minn.	Community Investment Services Inc.	commercial bank	7.91	1.40	6,416	0.02	110,615
37	Spencer State Bank Neb.	none	commercial bank	7.88	0.00	784	1.11	18,079
38	Alden State Bank Mich.	none	commercial bank	7.53	3.56	11,079	4.25	172,884
39	Warren Bank Mich.	Warren Bancorp Inc.	commercial bank	7.42	1.34	32,779	0.32	636,183
40	Kearny County Bank Lakin, Kan.	Lakin Bancshares Inc.	commercial bank	7.30	0.02	3,849	0.00	101,618
41	Bank of Weston Mo.	Wilson Bancshares Inc.	commercial bank	7.26	5.37	3,224	-0.02	75,971
42	Community Bank of Oak Park River Forest Oak Park, Ill.	Oak Park River Forest Bankshares Inc.	commercial bank	7.21	0.17	16,422	0.00	277,755
43	BankCherokee St. Paul	Cherokee Bancshares Inc.	commercial bank	7.08	1.68	14,651	0.91	267,867
44	State Bank and Trust Co. Harrodsburg, Ky.	State Financial Services Inc.	commercial bank	7.07	5.42	3,719	0.39	103,516
45	American Trust and Savings Bank Lowden, Iowa	Lowden Bancshares Inc.	commercial bank	6.91	0.00	1,195	-0.40	27,267
46	First Integrity Bank Staples, Minn.	First Integrity Bancorp.	commercial bank	6.89	4.00	2,603	0.00	54,005
47	First Florida Bank Naples	Synovus Financial Corp.	commercial bank	6.86	0.92	23,629	0.08	420,859
48	Ocean Bank Miami	Ocean Bankshares Inc.	commercial bank	6.83	0.72	297,430	6.94	5,948,593
49	Lowell Co-operative Bank Lowell, Mass.	none	savings bank	6.77	0.67	5,113	-0.41	115,726
50	Grand Timber Bank McGregor, Minn.	McGregor Banco Inc.	commercial bank	6.76	4.62	2,849	-0.02	51,833
51	Lake Community Bank Long Lake, Minn.	Tysan Corp.	commercial bank	6.75	2.76	8,461	3.05	158,494
52	New Buffalo savings bank Mich.	none	thrift	6.71	3.35	6,365	-0.53	116,214
53	Citizens State Bank Hudson, Wis.	Citizens Bancshares of Woodville Inc.	commercial bank	6.55	0.23	11,209	0.00	201,285
54	Farmers and Merchants State Bank of Argonia Kan.	Farmers and Merchants Financial Corp.	commercial bank	6.53	0.28	1,119	-0.35	24,338
55	Pinnacle Bank of Oregon Beaverton	none	commercial bank	6.52	2.69	4,904	-0.02	92,848
56	Fremont Investment and Loan Anaheim, Calif.	Fremont General Corp.	commercial bank	6.49	0.69	423,813	9.50	10,767,474
57	Citizens State Bank of Kelliher Minn.	Kelliher Bancshares Inc.	commercial bank	6.37	3.28	801	-0.03	16,699
	Hicksville Building Loan and savings bank Ohio	none	savings bank	6.37	3.92	2,594	-2.44	54,220
59	Bank of Monticello Wis.	none	commercial bank	6.34	4.58	3,163	0.03	67,372
60	United Community Bank Oakwood, Ill.	Oakwood Bancorp Inc.	commercial bank	6.31	5.11	1,289	0.44	34,098
61	Minden Exchange Bank and Trust Co. Neb.	Armstrong Financial Co.	commercial bank	6.30	3.23	5,034	0.50	122,814
62	Millennium Bank Reston, Va.	Millennium Bankshares Corp.	commercial bank	6.24	0.77	20,312	0.35	552,903
63	First Tuskegee Bank Ala.	Birthright Inc.	commercial bank	6.16	0.14	3,982	0.17	89,508
64	Borrego Springs Bank La Mesa, Calif.	none	commercial bank	6.14	7.10	3,214	1.41	88,470
65	United Midwest Savings Bank De Graff, Ohio	MSB Capital Corp.	thrift	6.05	5.45	12,109	0.61	247,350
66	VisionBank St. Louis Park, Minn.	Vision Bancshares Inc.	commercial bank	6.02	0.00	1,347	0.20	24,631
67	Kinderhook State Bank Ill.	none	commercial bank	6.00	2.89	637	-0.16	18,872
68	First State Bank Shelton, Neb.	Shelton Enterprises Inc.	commercial bank	5.98	4.83	1,982	2.37	39,533
69	Tri State Bank of Memphis	none	commercial bank	5.95	7.54	4,279	0.12	127,679
	Oxford Bank Mich.	Oxford Bank Corp.	commercial bank	5.95	1.21	21,210	0.87	489,657
71	Peoples Bank Chatham, La.	none	commercial bank	5.94	1.87	759	0.38	17,569
72	Alva State Bank and Trust Co. Okla.	Grace Investment Co. Inc.	commercial bank	5.93	2.57	8,269	0.00	174,994
73	Central Illinois Bank Champaign	CIB Marine Bancshares Inc.	commercial bank	5.86	6.20	14,144	-0.16	428,159
74	First National Bank of Barry Ill.	none	commercial bank	5.85	4.31	4,043	-0.61	103,036
75	Baylake Bank Sturgeon Bay, Wis.	Baylake Corp.	commercial bank	5.80	3.49	47,294	1.11	1,103,017
76	Pueblo Bank and Trust Co. Colo.	Pueblo Bancorp.	commercial bank	5.78	2.47	15,802	0.76	369,616
77	State Bank of Downs Kan.	B Bank Inc.	commercial bank	5.74	4.26	2,375	-0.01	48,151
	Merchants and Citizens Bank McRae, Ga.	none	commercial bank	5.74	2.09	3,029	1.11	103,013
79	Hillcrest Bank Overland Park, Kan.	Hillcrest Bancshares Inc.	commercial bank	5.72	0.30	80,094	0.03	1,630,171
80	Meridian Bank Eldred, Ill.	none	commercial bank	5.71	1.84	1,393	1.15	45,415
81	First National Bank of Fox Valley Neenah, Wis.	First Menasha Bancshares Inc.	commercial bank	5.68	0.49	9,287	0.71	201,861
82	Bison State Bank Kan.	none	commercial bank	5.66	0.98	240	-0.46	7,518
83	Park State Bank and Trust Woodland Park, Colo.	none	commercial bank	5.63	0.42	4,054	0.77	99,747
84	Florida Community Bank Immokalee	Florida Community Banks Inc.	commercial bank	5.61	0.93	45,351	0.10	969,808
85	First National Bank in Pawhuska Okla.	Pawhuska Financial Corp.	commercial bank	5.49	2.22	1,399	0.19	34,335
86	Butler Bank MHC Lowell, Mass.	Butler Bancorp MHC	savings bank	5.46	0.06	10,357	1.01	215,094
87	Gateway Bank of St Louis Mo.	Gateway Bancshares Inc.	commercial bank	5.43	4.72	1,798	5.65	48,041
88	First National Bank in Howell Mich.	FNBH Bancorp Inc.	commercial bank	5.40	1.82	20,641	1.18	451,923
89	First National Bank Mount Pulaski Ill.	First National Financial Corp.	commercial bank	5.39	6.06	1,336	0.32	43,206
90	Lafayette Community Bank Ind.	Lafayette Community Bancorp	commercial bank	5.37	1.38	5,425	5.31	143,319
91	Town and Country Bank Leawood, Kan.	Leawood Bancshares Inc.	commercial bank	5.35	1.95	4,904	0.61	110,730
	Equity Bank Dallas, Tex.	EJ Financial Corp.	savings bank	5.35	2.14	8,759	1.21	202,463
93	Citizens Building and Loan Association Greer, S.C.	none	thrift	5.34	5.01	4,016	0.00	95,119
94	First National Bank and Trust Co. of Broken Arrow Okla.	First Broken Arrow Corp.	commercial bank	5.32	0.78	6,590	0.00	193,720
95	First National Bank of St. Ignace Mich.	none	commercial bank	5.30	7.28	5,228	3.43	187,914
96	Bank of Bennington Neb.	Hilltop Bancshares Inc.	commercial bank	5.27	6.01	2,222	0.17	54,745
	Bank of Lake Village Ark.	Southeast Arkansas Bank Corp.	commercial bank	5.27	4.73	2,202	0.00	63,486
98	Citizens State Bank of Lankin N.D.	Citizens State Bancshares Inc.	commercial bank	5.25	0.65	1,917	0.47	50,529
99	Hiawatha National Bank Hager City, Wis.	Hiawatha Bancshares Inc.	commercial bank	5.24	4.72	1,509	1.47	42,503
100	Surety Bank Fort Worth	Surety Capital Corp.	commercial bank	5.22	9.62	1,651	-0.44	38,087
101	Lafayette savings bank FSB Lafayette, Ind.	LSB Financial Corp.	thrift	5.14	3.24	15,559	0.39	349,955
102	First Choice Community Bank 1874 Newnan, Ga.	FMCB Holdings Inc.	commercial bank	5.12	0.18	7,405	0.23	159,129
103	Premier Bank Maplewood, Minn.	none	commercial bank	5.10	0.44	23,333	0.09	542,713
	Farmers Deposit Bank Eminence, Ky.	Premier Financial Bancorp Inc.	commercial bank	5.10	7.53	2,360	-2.15	75,388
	First State Bank of Sharon N.D.	First Sharon Holding Co. Inc.	commercial bank	5.10	2.52	1,426	0.45	40,644
106	Ameribank Welch, W.Va.	JMS Investors	thrift	5.07	0.37	7,352	1.60	157,960
107	MyLubbockBank Lubbock, Tex.	Western Bancshares Inc.	commercial bank	5.03	7.61	2,209	0.93	61,801
108	Integrity Bank Alpharetta, Ga.	Integrity Bancshares Inc.	commercial bank	4.94	0.07	50,710	13.62	1,252,516
	Prime Alliance Bank Woods Cross, Utah	none	commercial bank	4.94	0.00	2,824	-1.20	95,446
110	Community Bank Alton, Iowa	Alton Bancorp.	commercial bank	4.92	0.72	1,842	0.02	40,048
111	First State Bank Athens, Tex.	Jane Austin Chapman Limited Partnership LP	commercial bank	4.90	0.07	7,817	0.11	302,513
112	Gold Country Bank Marysville, Calif.	Gold Country Financial Services Inc.	commercial bank	4.89	5.01	3,546	-0.31	102,313
113	First National Bank of Barnesville Ga.	none	commercial bank	4.88	1.03	4,952	0.03	126,849
114	Citizens Bank Hickman, Ky.	Citizens Bancorp of Hickman Inc.	commercial bank	4.86	7.16	2,757	0.06	85,460
115	Owen Community Bank Spencer, Ind.	Home Financial Bancorp	thrift	4.84	6.17	3,009	0.25	74,655
116	Fortress Bank Westby, Wis.	Merchants and Manufacturers Bancorp. Inc.	commercial bank	4.83	3.69	6,751	1.38	172,981
117	Clay County State Bank Louisville, Ill.	Clay County State Bancshares Inc.	commercial bank	4.75	4.57	1,858	-0.03	67,424
118	McClave State Bank Colo.	none	commercial bank	4.74	11.56	558	-1.17	17,556
119	Premier Bank Rochester Rochester, Minn.	none	commercial bank	4.70	0.18	5,716	0.00	145,010
120	Colchester State Bank Ill.	none	commercial bank	4.67	2.56	1,064	0.36	38,569
121	Community Bank Hoopeston, Ill.	Wellington Bancorp Inc.	commercial bank	4.66	1.80	1,371	0.77	56,561
	First Choice Bank Geneva, Ill.	First Choice Bancorp	commercial bank	4.66	0.77	7,678	0.09	200,374
123	Baxter State Bank Baxter Springs, Kan.	Baxter Bancshares Inc.	commercial bank	4.65	0.44	927	0.02	29,734
124	CSB Bank Capac, Mich.	Capac Bancorp Inc.	commercial bank	4.64	2.41	7,054	0.01	211,890
125	Lowell Five Cents Savings Bank Lowell, Mass.	none	savings bank	4.63	0.02	16,658	0.02	692,038
	Lake Country State Bank Long Prairie, Minn.	Tysan Corp.	commercial bank	4.63	0.63	2,194	0.51	77,465
	FlatIrons Bank Boulder	FlatIrons Bank Holding Co.	commercial bank	4.63	0.06	1,681	0.02	47,986
128	New Millennium Bank New Brunswick, N.J.	none	commercial bank	4.61	1.82	5,614	0.56	155,248
129	First Federal Savings and Loan Association of Martinsville Va.	none	thrift	4.60	3.44	1,239	0.00	47,390
130	First National Bank in Cannon Falls Cannon Falls, Minn.	Jerema Inc.	commercial bank	4.59	0.71	3,537	0.27	116,684
131	Anadarko Bank and Trust Co. Anadarko, Okla.	Falcon Bancorp Inc.	commercial bank	4.54	2.56	1,944	0.89	76,644
132	Scotiabank de Puerto Rico Hato Rey, Puerto Rico	Bank of Nova Scotia	commercial bank	4.51	2.87	62,721	0.12	1,584,156
	Bay Bank Green Bay, Wis.	Bay Bancorp.	commercial bank	4.51	5.70	3,181	1.23	98,728
134	First Federal Bank Harrison, Ark.	First Federal Bancshares of Arkansas Inc.	thrift	4.50	1.52	28,964	0.02	820,458
	First State Bank of East Detroit Eastpointe, Mich.	First State Financial Corp.	commercial bank	4.50	3.06	19,538	1.79	775,631
	First State Bank Keyes, Okla.	First Keyes Bancshares Inc.	commercial bank	4.50	5.37	1,060	-0.13	35,750
137	All American Bank Des Plaines, Ill.	none	commercial bank	4.49	0.00	663	2.26	24,821
	Pineland State Bank Metter, Ga.	South Banking Co.	commercial bank	4.49	2.14	2,087	0.01	70,943
139	First State Bank of Bigfork Bigfork, Minn.	Bigfork Bancshares Inc.	commercial bank	4.46	2.94	1,414	-0.08	43,962
	American Metro Bank Chicago	American Metro Bancorp Inc.	commercial bank	4.46	2.25	2,758	0.73	80,454
141	Mutual Savings Bank Hartsville, S.C.	none	thrift	4.45	4.19	1,468	0.02	52,175
142	Putnam County National Bank of Carmel N.Y.	none	commercial bank	4.44	7.02	4,981	0.00	156,118
	First Personal Bank Orland Park, Ill.	First Personal Financial Corp.	commercial bank	4.44	1.36	6,597	-0.10	191,754
144	Parkway Bank Rogers, Ark.	Parkway Bankshares Inc.	commercial bank	4.43	1.30	5,631	0.11	172,031
145	Roxbury-Highland Co-operative Bank Jamaica Plain, Mass.	none	savings bank	4.42	2.13	653	0.00	25,703
146	Grafton State Bank Wis.	Merchants and Manufacturers Bancorp. Inc.	commercial bank	4.41	0.05	6,374	0.00	177,372
147	Farmers State Bank of Denton, Montana	W.C. Edwards Holding Co. Inc.	commercial bank	4.40	1.11	616	0.00	17,862
148	Peoples State Bank of Madison Lake Madison Lake, Minn.	Van Deusen Bancorp Inc.	commercial bank	4.39	1.54	663	0.47	24,769
	Premier Bank Minnesota Farmington	none	commercial bank	4.39	0.16	6,486	0.00	198,260
150	Green Lake State Bank, Wis	Baraboo Bancorporation, Inc.	commercial bank	4.38	2.45	3,031	0.10	81,037

Notes: Data from preliminary quarterly call reports and thrift financial reports from the FDIC and OTS. Excludes institutions whose loans were less than 50% of assets. *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:

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