Banks and Thrifts with Highest Nonperformer Ratios

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Banks and Thrifts with Highest Nonperformer Ratios

Banks and Thrifts with Highest Nonperformer RatiosOn June 30, 2009. Dollars in thousands
Published November 24, 2009

Rank   Holding company Institution type Ratio* Year earlier Nonperformers Net chargeoffs** Assets
1 Eastern Savings Bank FSB Hunt Valley, Md. none thrift 68.38% 43.09% $503,598 3.40% $996,722
2 H&R Block Bank Kansas City, Mo. H&R Block Inc. thrift 50.03 18.72 385,488 12.42 984,265
3 Community Bank of Lemont Ill. FBOP Corp. commercial bank 49.45 7.95 34,097 0.03 82,330
4 City Bank Lynnwood, Wash. none commercial bank 43.95 5.35 418,287 3.47 1,289,818
5 Wilton Bank Conn. none commercial bank 38.64 2.15 26,043 2.02 95,278
6 Community Banks of Northern California Tracy Community Bankshares Inc. commercial bank 33.45 6.78 29,652 1.81 121,729
7 AmTrust Bank Cleveland AmTrust Financial Corp. thrift 32.34 11.98 2,968,889 6.01 13,119,588
8 First Security Trust and Savings Bank Elmwood Park, Ill. First Security Bancorp Inc. commercial bank 32.30 0.33 42,397 34.75 205,464
9 WebBank Salt Lake City WebFinancial L.P. commercial bank 31.76 2.29 9,973 14.00 35,538
10 Gordon Bank Ga. none commercial bank 31.14 15.71 6,425 5.05 34,960
11 Florida Community Bank Immokalee, Fla. Florida Community Banks Inc. commercial bank 30.82 15.24 178,764 5.01 945,630
12 Towne Bank of Arizona Mesa Towne Bancorp Inc. commercial bank 30.72 7.78 30,486 35.71 132,794
13 Century Bank Sarasota, Fla. Century Financial Group Inc. thrift 30.71 10.03 214,663 8.98 846,931
14 First DuPage Bank Westmont, Ill. First Dupage Bancorp Inc. commercial bank 30.59 9.48 74,594 6.57 287,103
15 Builders Bank Chicago Builders Financial Corp. commercial bank 28.85 5.79 111,323 6.33 494,814
16 Hillcrest Bank Florida Naples none commercial bank 27.47 1.19 21,907 26.87 95,567
17 Benchmark Bank Aurora, Ill. Benchmark Bancorp Inc. commercial bank 26.37 0.77 41,290 0.84 201,773
18 Commerce Bank of Southwest Florida Fort Myers Florida Commerce Bancorp Inc. commercial bank 26.34 4.42 15,934 1.31 77,297
19 New South Federal Savings Bank Birmingham, Ala. New South Bancshares Inc. thrift 26.13 9.35 319,574 13.02 1,712,237
20 Key West Bank Fla. Key West Bancgroup Inc. thrift 25.79 7.93 19,492 5.11 86,377
21 Barnes Banking Co. Kaysville, Utah Barnes Bancorp. commercial bank 25.19 4.13 162,429 14.29 873,024
22 Family Federal Savings of Illinois Cicero none thrift 25.16 7.48 13,168 10.24 65,841
23 WestSide Bank Hiram, Ga. none commercial bank 24.86 3.89 27,394 0.00 157,701
24 First Commerce Community Bank Douglasville, Ga. First Commerce Community Bankshares Inc. commercial bank 24.33 8.24 49,480 2.41 276,072
25 Maritime Savings Bank West Allis, Wis. none thrift 24.25 2.65 75,391 0.02 405,420
26 Mesa Bank Ariz. Capitol Bancorp Ltd. commercial bank 24.20 7.95 30,344 3.16 233,646
27 Bank of Miami Coral Gables, Fla. Granvalor Holding Ltd. commercial bank 24.08 4.98 108,902 6.30 687,174
28 1st American State Bank of Minnesota Hancock West Central Banque Shares Inc. commercial bank 23.63 9.53 3,112 30.08 20,559
29 Olde Cypress Community Bank Clewiston, Fla. First Glades Corp. thrift 23.22 3.60 32,313 4.26 176,307
30 Premier American Bank Miami none commercial bank 23.03 6.54 73,296 -0.08 410,597
31 Washington First International Bank Seattle Washington First Financial Group Inc. commercial bank 22.75 0.30 118,617 5.30 643,749
32 Frontier Bank Everett, Wash. Frontier Financial Corp. commercial bank 22.38 3.14 764,558 10.04 3,981,590
33 Cortez Community Bank Brooksville, Fla. none commercial bank 22.36 3.64 14,421 0.00 86,345
34 First Federal Bank of California FSB Los Angeles FirstFed Financial Corp. thrift 22.31 12.25 1,366,073 5.99 6,360,871
35 Chestatee State Bank Dawsonville, Ga. Chestatee Bancshares Inc. commercial bank 22.09 11.91 46,115 1.31 290,999
36 Adams National Bank Washington Premier Financial Bancorp Inc. commercial bank 21.95 3.07 49,227 -0.17 293,403
37 Ocean Bank Miami Ocean Bankshares Inc. commercial bank 21.66 16.18 729,894 4.23 4,428,609
38 Peoples First Community Bank Panama City, Fla. Peoples First Properties Inc. thrift 21.49 9.21 306,805 13.09 1,922,845
39 Holladay Bank & Trust Salt Lake City none commercial bank 21.20 6.02 10,877 4.79 64,910
40 Seattle Bank Seattle Financial Group Inc. savings bank 20.95 7.62 122,669 10.82 745,813
41 Bank of Commerce Wood Dale, Ill. Bancshares Holding Corp. commercial bank 20.84 1.95 38,732 0.48 239,016
42 Reliance Bank FSB Fort Myers, Fla. Reliance Bancshares Inc. thrift 20.74 7.03 14,898 17.18 121,458
43 Security Exchange Bank Marietta, Ga. SEB Bancorp Inc. commercial bank 20.57 0.84 28,624 0.53 192,071
44 Metropolitan National Bank Little Rock Rogers Bancshares Inc. commercial bank 20.31 3.77 219,047 10.08 1,593,434
45 ISN Bank Cherry Hill, N.J. none commercial bank 20.12 7.38 16,947 -0.58 107,181
46 CenTrust Bank Northbrook, Ill. CenTrust Financial Inc. commercial bank 20.05 5.82 20,954 2.08 131,759
47 Desert Hills Bank Phoenix Desert Hills Capital Corp. commercial bank 20.01 3.69 79,867 2.82 504,381
48 North Georgia Bank Watkinsville North Georgia Bancorp Inc. commercial bank 19.80 5.16 27,486 4.79 192,693
49 First State Bank Stockbridge, Ga. Henry County Bancshares Inc. commercial bank 19.80 9.01 98,461 12.01 679,700
50 Bank of Hiawassee Ga. Chatuge Bank Shares Inc. commercial bank 19.76 2.39 63,013 4.76 422,232
51 Flagship National Bank Bradenton, Fla. none commercial bank 19.58 6.02 25,877 15.62 194,104
52 First East Side Savings Bank Tamarac, Fla. Raddatz Family LP thrift 19.47 8.32 11,508 8.24 89,875
53 Central Progressive Bank Lacombe, La. Blossman Bancshares Inc. commercial bank 19.45 20.05 57,655 0.62 423,116
54 Home Loan Investment Bank FSB Warwick, R.I. Prospect Financial Corp. thrift 19.43 5.55 28,190 14.46 231,509
55 Buckhead Community Bank Atlanta Buckhead Community Bancorp Inc. commercial bank 19.39 3.96 128,452 9.18 921,934
56 Doral Bank San Juan, Puerto Rico Doral GP Ltd. commercial bank 18.97 13.09 951,860 0.53 8,668,814
57 First National Bank of Georgia Carrollton WGNB Corp. commercial bank 18.97 10.04 114,724 8.29 848,293
58 HomeStreet Bank Seattle HomeStreet Inc. savings bank 18.89 2.72 454,038 4.57 3,238,530
59 Appalachian Community Bank Ellijay, Ga. Appalachian Bancshares Inc. commercial bank 18.82 1.63 146,813 6.44 1,092,833
60 New Century Bank Chicago NCB Holdings Inc. commercial bank 18.82 5.12 85,421 0.08 528,100
61 High Trust Bank Stockbridge, Ga. High Trust Bancorp Inc. commercial bank 18.70 0.00 35,154 6.54 225,597
62 Riverview Community Bank Otsego, Minn. American Eagle Financial Corp. commercial bank 18.60 6.65 13,198 7.76 111,631
63 RockBridge Commercial Bank Atlanta RockBridge Financial Holdings Inc. commercial bank 18.56 1.94 43,951 7.35 278,788
64 First Bank and Trust Co. of Illinois Palatine Hershenhorn Bancorp. Inc. commercial bank 18.53 14.35 49,005 0.04 368,688
65 First National Bank of Crestview Fla. FNBC Financial Corp. commercial bank 18.52 3.08 16,682 0.12 154,587
66 LibertyPointe Bank New York Boymelgreen Financial Holdings Inc. commercial bank 18.34 3.41 34,791 2.26 222,244
67 Palm Desert National Bank Calif. Palm Desert Investments commercial bank 18.31 9.92 45,446 5.56 278,410
68 Georgia Heritage Bank Dallas, Ga. none commercial bank 17.82 18.03 9,261 0.67 85,990
69 Vision Bank Panama City, Fla. Park National Corp. commercial bank 17.75 8.57 121,878 3.85 878,412
70 Delta Bank Manteca, Calif. Delta National Bancorp commercial bank 17.69 5.36 14,477 2.70 126,475
71 Prime Alliance Bank Woods Cross, Utah none commercial bank 17.66 6.07 19,765 11.38 139,530
72 Butler Bank MHC Lowell, Mass. Butler Bancorp MHC savings bank 17.44 15.94 39,661 7.48 293,071
73 Bank of Florida-Southwest Naples Bank of Florida Corp. commercial bank 17.32 3.14 105,274 1.91 744,646
74 MBank Gresham, Ore. Merchants Bancorp commercial bank 17.27 5.12 37,912 6.25 290,196
75 First National Bank of the South Spartanburg, S.C. First National Bancshares Inc. commercial bank 17.22 3.64 107,831 10.13 835,679
76 Chinatrust Bank USA Torrance, Calif. Chinatrust Financial Holding Co. Ltd. commercial bank 17.17 3.10 289,502 9.64 2,330,482
77 Champion Bank St. Louis Champion Bancshares Inc. commercial bank 17.16 2.86 27,921 6.43 208,862
78 Security Bank North Lauderdale, Fla. CP Capital Bancorp Inc. commercial bank 17.16 9.24 22,084 5.69 158,842
79 ShoreBank Pacific Ilwaco, Wash. ShoreBank Corp. commercial bank 17.14 3.09 19,421 1.01 223,844
80 Peninsula Bank Englewood, Fla. none commercial bank 17.12 5.60 78,448 4.41 637,938
81 Plus International Bank Miami none commercial bank 17.10 0.48 11,787 0.09 107,694
82 Interamerican Bank FSB Miami Ferrera Fuentes Pacheco Voting Trust thrift 17.05 3.38 37,692 0.71 271,416
83 Security State Bank Iron River, Wis. Security Bank Shares Inc. commercial bank 17.01 4.96 14,298 9.02 108,722
84 Westernbank Puerto Rico Mayaguez W Holding Co. Inc. commercial bank 16.88 7.40 1,499,691 1.84 14,369,220
85 Bank of Coral Gables Fla. none commercial bank 16.87 1.13 22,020 0.00 179,830
86 Habersham Bank Clarkesville, Ga. Habersham Bancorp commercial bank 16.84 9.44 51,923 6.26 515,863
87 Patriot National Bank Stamford, Conn. Patriot National Bancorp Inc. commercial bank 16.78 0.80 122,402 3.10 980,390
88 High Desert State Bank Albuquerque none commercial bank 16.66 6.13 11,351 0.79 93,946
89 Bayside Savings Bank Port St. Joe, Fla. Coastal Community Investments Inc. thrift 16.60 8.93 9,136 3.89 85,329
90 Southern Commerce Bank Tampa Dickinson Financial Corp. II commercial bank 16.54 2.07 19,038 11.30 211,210
91 Shoreline Bank Wash. Northwest Community Bancorp commercial bank 16.54 0.72 16,983 14.83 132,667
92 Centennial Bank Ogden, Utah Centennial Bankshares Inc. commercial bank 16.36 1.23 26,677 10.43 232,936
93 First Commercial Bank of Tampa Bay Tampa FCB Financial Inc. commercial bank 16.26 7.11 17,680 0.00 172,527
94 Valley Community Bank St. Charles, Ill. Valley Community Bancorp Inc. commercial bank 16.21 1.95 20,208 0.23 167,053
95 Turnberry Bank Aventura, Fla. Turnberry Financial Services Inc. thrift 15.99 4.36 34,491 3.17 253,494
96 Bank of Wrightsville Ga. Wrightsville Bancshares Inc. commercial bank 15.89 5.06 5,556 5.96 63,864
97 George Washington Savings Bank Orland Park, Ill. George Washington Bancorp Inc. savings bank 15.88 1.83 58,622 1.37 410,838
98 Liberty Bank Naples, Fla. Liberty Banshares Florida Inc. thrift 15.88 7.77 23,117 5.99 160,941
99 Peoples National Bank Colorado Springs Winter Trust of 12/3/74 commercial bank 15.72 3.19 20,911 3.82 190,375
100 Capital Community Bank Provo, Utah Capital Community Bancorp. Inc. commercial bank 15.62 4.27 14,063 4.70 126,766
101 R-G Premier Bank of Puerto Rico San Juan R&G Financial Corp. commercial bank 15.57 6.88 886,375 4.68 6,515,565
102 Liberty Bank Salt Lake City none commercial bank 15.48 11.79 2,038 4.06 17,548
103 Hillcrest Bank Overland Park, Kan. Hillcrest Bancshares Inc. commercial bank 15.44 4.93 222,512 9.08 1,864,352
104 Royal Palm Bank of Florida Naples Mercantile Bancorp Inc. commercial bank 15.40 5.85 19,683 0.83 154,184
105 First National Bank in Howell Mich. FNBH Bancorp Inc. commercial bank 15.39 8.29 45,721 5.31 361,511
106 Citizens Bank Cairo, Ga. none commercial bank 15.36 4.40 3,875 2.21 47,389
107 Citizens State Bank New Baltimore, Mich. Citizens State Bancorp Inc. commercial bank 15.35 8.54 20,916 15.49 186,374
108 K Bank Owings Mills, Md. K Capital Corp. commercial bank 15.27 8.21 79,937 3.88 661,290
109 Utah Community Bank Sandy Utah Community Bancorp commercial bank 15.26 10.99 4,952 19.92 49,671
110 Partners Bank Naples, Fla. Partners Financial Corp. thrift 15.19 3.46 7,839 2.95 68,753
111 Haven Trust Bank Florida Ponte Vedra Beach H Financial of Florida Inc. commercial bank 15.17 3.17 21,592 6.28 179,052
112 McIntosh Commercial Bank Carrollton, Ga. MCB Financial Group Inc. commercial bank 15.12 7.85 34,929 1.23 389,001
113 Northwest Bank & Trust Acworth, Ga. Northwest Bancshares Inc. commercial bank 15.12 1.63 17,613 2.30 164,591
114 Nevada Security Bank Reno Bank Holdings commercial bank 15.06 2.91 62,018 0.66 585,803
115 First Chicago Bank & Trust Eggemeyer Capital LLC commercial bank 15.05 1.14 149,672 10.68 1,215,714
116 Bank of Bonifay Fla. Bonifay Holding Co. Inc. commercial bank 14.96 9.80 25,805 0.62 250,053
117 Parkway Bank Rogers, Ark. Parkway Bankshares Inc commercial bank 14.95 6.11 11,829 0.41 122,023
118 Premier Bank Minnesota Farmington none commercial bank 14.90 7.53 22,004 0.96 197,060
119 TierOne Bank Lincoln, Neb. TierOne Corp. thrift 14.75 5.87 384,306 3.24 3,159,206
120 First Arizona Savings FSB Scottsdale FASLA Holding Co. thrift 14.71 2.57 40,713 3.76 347,191
121 First Federal Bank of North Florida Palatka none thrift 14.56 6.52 52,057 2.94 415,536
122 Northpointe Bank Grand Rapids Northpointe Bancshares Inc. commercial bank 14.52 6.81 32,501 1.70 274,868
123 BankCherokee St. Paul Cherokee Bancshares Inc. commercial bank 14.41 13.54 19,947 7.10 231,454
124 Broadway Bank Chicago Broadway Bancorp Inc. commercial bank 14.33 6.17 142,624 -0.02 1,217,997
125 International Finance Bank Miami none commercial bank 14.32 1.77 45,920 0.57 436,874
126 Polk County Bank Johnston, Iowa Polk County Bancorp. Inc. commercial bank 14.19 5.14 14,479 3.02 142,947
127 First Federal Bank Harrison, Ark. First Federal Bancshares of Arkansas Inc. thrift 14.16 7.29 78,906 0.79 786,788
128 Fidelity Bank of Florida Merritt Island none commercial bank 14.13 4.21 52,190 1.97 431,000
129 Cowlitz Bank Longview, Wash. Cowlitz Bancorp. commercial bank 14.09 2.02 56,248 3.72 579,882
130 Oconee State Bank Watkinsville, Ga. Oconee Financial Corp. commercial bank 14.06 8.40 27,231 1.39 310,058
131 Earthstar Bank Southampton, Pa. none commercial bank 14.02 6.94 13,218 2.60 138,480
132 Columbia River Bank The Dalles, Ore. Columbia Bancorp commercial bank 13.94 3.72 111,347 7.22 1,067,374
133 BankSouth Greensboro, Ga. BankSouth Holding Co. thrift 13.86 2.06 24,956 -1.48 241,507
134 American Trust Bank Roswell, Ga. American Trust Bancorp commercial bank 13.74 2.65 29,028 3.66 294,825
135 Bank Midwest Kansas City, Mo. Dickinson Financial Corp. II commercial bank 13.65 2.50 418,123 7.80 4,042,752
136 Home Valley Bank Grants Pass, Ore. Home Valley Bancorp Inc. commercial bank 13.65 2.49 28,793 0.18 254,847
137 Heritage Bank Topeka, Kan. Heritage Bancshares Inc. commercial bank 13.65 1.08 6,198 17.46 51,932
138 Consolidated Bank & Trust Co. Richmond, Va. Premier Financial Bancorp Inc. commercial bank 13.63 0.04 8,358 0.06 86,547
139 First National Bank of Central Florida Winter Park First Bankshares Inc. commercial bank 13.60 1.74 46,839 3.06 516,596
140 Texas National Bank Mercedes MNB Ventures Inc. commercial bank 13.55 11.48 7,718 0.99 68,076
141 Nexity Bank Birmingham, Ala. Nexity Financial Corp. commercial bank 13.52 6.96 85,538 1.65 1,132,608
142 Community Capital Bank Jonesboro, Ga. CCB Financial Corp. commercial bank 13.51 12.77 16,130 0.08 197,615
143 First State Bank Danville, Va. none commercial bank 13.37 4.95 2,450 0.09 27,989
144 Saehan Bank Los Angeles Saehan Bancorp commercial bank 13.36 3.54 89,791 7.74 948,336
145 First Citizens Bank of Polson Mont. Flathead Lake Bancorp. Inc. commercial bank 13.36 6.53 3,161 0.36 28,482
146 First Commercial Bank of Florida Orlando FCB Florida Bancorp. Inc. commercial bank 13.29 3.49 77,038 2.15 700,751
147 Ideal Federal Savings Bank Baltimore none thrift 13.23 12.62 724 0.36 6,717
148 First National Bank of Florida Milton none commercial bank 13.18 9.47 36,826 8.58 419,611
149 AmericasBank Towson, Md. Capital Funding Bancorp Inc. commercial bank 13.18 4.75 15,444 0.39 153,860
150 Sunshine State Community Bank Port Orange, Fla. Sunshine Bankshares Inc. commercial bank 13.16 4.75 14,909 6.88 172,319

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. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of Oct. 12, 2009. *Nonperforming loans and leases as percentage of gross loans and leases. **Chargeoffs, minus recoveries credited to the loan allowance. For savings institutions, net chargeoffs related to specific valuation allowance are included. Divided by average amount of loans and leases.

Source:

SNL Financial
, Charlottesville, Va.

© 2009 American Banker