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Banks, thrifts and holding companies

Banks and Thrifts with Highest Nonperformer Ratios

August 05, 2004, 10:08 a.m. EDT 1 Min Read
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Banks and Thrifts with Highest Nonperformer Ratios

Banks and Thrifts with Highest Nonperformer Ratios
On March 31, 2004. Dollars in thousands
Published August 5, 2004
Rank   Holding company Institution type Ratio* Year earlier Nonperformers Net chargeoffs** Assets
1 Purdum State Bank Neb. none commercial bank 20.85% 19.84% $3,360 0.50% $20,371
2 Eastern Savings Bank Hunt Valley, Md. none thrift 20.69 25.96 123,558 0.47 691,954
3 First Bank and Trust Co. of Illinois Palatine Hershenhorn Bancorp Palatine, Ill. commercial bank 17.52 14.09 57,043 -1.02 543,040
4 Farmers Deposit Bank Eminence, Ky. Premier Financial Bancorp Huntington , W.Va. commercial bank 17.04 0.61 11,436 1.41 105,670
5 First National Bank Lubbock, Tex. Western Bancshares Inc. Van Horn, Tex. commercial bank 16.41 2.54 4,467 7.61 39,152
6 Community Bank of Lawndale Chicago IBC Bancorp Inc., Chicago commercial bank 15.74 4.97 4,110 -0.07 41,635
7 Bank of Lake Village Ark. Southeast Arkansas Bank Corp. Lake Village commercial bank 14.31 8.52 6,277 2.30 64,638
8 Greater South Texas Bank Falfurrias none thrift 13.62 14.22 2,885 1.54 29,408
9 Holladay Bank and Trust Co. Salt Lake City none commercial bank 13.37 11.33 3,709 0.13 41,028
10 First Bank and Trust of Memphis Falcon BancorpMemphis, Tex. commercial bank 13.09 3.76 3,690 0.17 38,335
11 First National Bank of Gaylord Mich. North Bancorp Inc. Gaylord, Mich. commercial bank 12.57 2.99 14,047 1.24 162,334
12 Georgia Community Bank Dalton none thrift 12.29 0.70 5,865 0.49 52,852
13 Exchange Bank Gibbon, Neb. Exchange Co.Gibbon, Neb. commercial bank 12.12 0.20 8,612 8.29 100,538
14 First National Bank of Marin Las Vegas Marin National BancorpLas Vegas commercial bank 11.42 16.17 26,642 15.75 202,242
15 Bank of Anguilla Miss. none commercial bank 11.34 9.19 5,375 1.48 81,299
16 Farmers State Bank of Oakley Kansas Security Bancshares Inc.Scott City, Kan. commercial bank 10.17 8.04 4,403 0.12 72,836
17 Citizens Community Bank of Decatur Ill. none commercial bank 10.04 13.38 890 -0.49 14,250
18 CIB Bank Hillside, Ill. CIB Marine Bancshares Inc. Pewaukee, Wis. commercial bank 9.91 2.49 106,154 0.16 1,493,288
19 Builders Bank Chicago Builders Financial Corp. Chicago commercial bank 9.81 7.11 26,437 -1.30 405,092
20 First State Bank Keyes, Okla. First Keyes Bancshares Inc. Keyes, Okla. commercial bank 9.68 3.48 2,123 -0.02 42,298
21 Bank of Okolona Miss. Bancorp of Okolona Miss. commercial bank 9.06 7.45 3,774 0.69 56,115
WebBank Salt Lake City none commercial bank 9.06 6.57 1,263 1.41 18,441
23 First Bank of Northern Kentucky Fort Mitchell F.N.B. Bancorp. Inc. Fort Michell, Ky. commercial bank 9.04 9.67 4,437 -2.59 66,345
24 First National Bank of Gilmer Tex. First Gilmer Bankshares Inc.Tex. commercial bank 8.98 3.71 8,508 3.62 170,537
25 Triad Bank Tulsa Triad Bancshares Inc.Tulsa commercial bank 8.79 14.82 6,333 0.25 83,799
26 First National Bank of Goliad Tex. American Bank Holding Corp. Corpus Christi commercial bank 8.33 1.99 2,409 0.82 40,998
27 Countryside Bank Meriden, Kan. Denison Bancshares Inc. Holton, Kan. commercial bank 8.20 1.38 1,933 -0.35 33,604
28 State Bank of Burrton Kan. none commercial bank 8.15 2.41 356 0.09 8,401
29 First Enterprise Bank Oklahoma City none commercial bank 8.14 10.17 9,825 3.26 152,949
30 First State Bank Fort Lauderdale Fla. none commercial bank 8.03 3.30 1,473 0.55 28,353
31 Genesee Regional Bank Rochester, N.Y. none commercial bank 7.84 13.83 2,437 1.83 43,763
32 Necedah Bank Wis. Ambanc Financial ServicesBeaver Dam, Wis. commercial bank 7.83 3.03 1,478 -0.54 36,363
33 Forrest City Bank Ark. Forrest City Financial Corp.Ark commercial bank 7.81 4.62 2,848 0.40 70,727
34 First National Bank of Lindsay Okla. First Lindsay Corp. Lindsay, Okla. commercial bank 7.77 6.57 1,092 0.65 26,023
35 Concordia Bank Mo. Concordia Banc-Management Mo. commercial bank 7.72 0.57 2,812 0.03 50,334
36 Independence Bank East Greenwich, R.I. none commercial bank 7.62 0.00 1,787 1.14 38,386
37 DeWitt Bank and Trust Co. Ark. DBT Financial Corp. DeWitt, Ark. commercial bank 7.61 2.31 6,828 -0.23 129,015
38 Unity National Bank of Houston none commercial bank 7.60 5.14 3,308 4.83 57,823
39 First National Bank and Trust Co. in Larned Pawnee Bancshares Inc. Larned, Kan. commercial bank 7.59 2.55 2,732 1.05 67,722
40 North Country Bank and Trust Co. Manistique, Mich. North Country Financial Corp.Manistique, Mich. commercial bank 7.48 10.04 19,033 13.46 399,151
41 Heron Lake State Bank Minn. Heron Lake Bancshares Inc. Minn. commercial bank 7.43 7.94 1,147 -0.02 29,341
42 First State Bank of Hotchkiss Colo. Custer Bancorp Westcliffe, Colo. commercial bank 7.37 0.94 2,439 -0.06 47,010
First National Bank of Wiggins Miss. none commercial bank 7.37 11.03 2,055 1.85 51,119
44 Tri-State Bank of Memphis none commercial bank 7.31 7.12 4,820 0.12 124,752
45 Liberty National Bank Longwood, Fla. Liberty Bancorp Longwood, Fla. commercial bank 7.30 6.16 3,758 1.37 71,302
46 First National Bank of Le Roy Kan. Le Roy Bancshares Inc. Kan. commercial bank 7.28 2.39 1,180 -1.90 21,994
47 Traders Bank Spencer, W.Va. Traders Bankshares Inc. Spencer, W.Va. commercial bank 7.26 3.27 6,520 0.68 116,413
48 Oakland State Bank Oakland, Iowa Oak Bancorp Oakland, Iowa commercial bank 7.23 0.47 1,306 0.14 30,453
49 Americana National Bank Albert Lea, Minn. Americana Capital Corp. Albert Lea, Minn. commercial bank 7.21 4.60 3,469 1.01 91,749
First National Bank of St. Marys W.Va. First National Bancorp Inc. St. Marys,W.VA. commercial bank 7.21 5.81 1,798 -0.21 39,437
51 First National Bank of Claude Tex. Triple J Financial Inc. Claude, Tex. commercial bank 7.08 0.28 1,239 1.21 28,039
52 Hershey State Bank Neb. Amerigroup Inc. Hershey, Neb. commercial bank 7.07 3.38 1,865 0.62 34,337
53 First Federal of South Carolina Walterboro First Carolina Bancshares Walterboro, S.C. thrift 7.02 2.78 4,203 -0.03 97,569
54 Farmers Bank Oconto, Neb. Woodriver Banco Inc. Oconte, Neb. commercial bank 6.99 1.91 783 -0.07 19,017
55 BankTennessee Collierville Civitas Bankingroup Inc. Franklin, Tenn. commercial bank 6.86 8.10 9,329 0.06 187,371
56 Home National Bank Racine, Ohio none commercial bank 6.84 4.34 2,548 0.20 52,849
Mason National Bank Mason, Tex. Mason National Bancshares Inc. Tex. commercial bank 6.84 4.86 2,438 -0.19 58,854
58 Delta Trust and Bank Parkdale, Ark. Delta Trust and Banking Corp. Ark. commercial bank 6.83 5.04 8,822 0.40 181,324
59 Marquette Farmers State Bank Kan. none commercial bank 6.78 4.55 1,018 -0.03 22,642
60 MemphisFirst Community Bank MemphisFirst Corp. commercial bank 6.72 2.65 1,099 0.05 26,967
61 National Bank of North East Pa. North East Bancshares Inc. Pa. commercial bank 6.70 5.98 3,495 0.43 78,661
62 Colorado Mountain Bank Westcliffe Custer Bancorp Westcliffe, Colo. commercial bank 6.67 0.06 3,898 12.08 71,825
63 Franklin State Bank and Trust Co. Winnsboro, La. Franklin Bancorp Inc. Winnsboro, La. commercial bank 6.63 3.78 3,787 0.28 98,491
64 First State Bank Beardstown, Ill. First Beardstown Bancorp Ill. commercial bank 6.59 2.35 1,682 -2.69 50,236
Kinderhook State Bank Ill. none commercial bank 6.59 3.85 1,185 0.66 28,239
Van Horn State Bank Tex. Western Bancshares Inc. Van Horn, Tex. commercial bank 6.59 1.23 1,167 0.55 25,469
Bank of Ephraim Utah Utah Bancshares Inc. Ephraim commercial bank 6.59 10.66 2,436 3.87 56,774
68 First State Bank Boise City, Okla. none commercial bank 6.53 1.48 1,226 -0.37 29,693
69 Alliant Bank Sedgwick, Kan. none commercial bank 6.35 0.96 781 0.00 21,095
70 Community Development Bank Ogema, Minn. none thrift 6.26 0.00 562 0.14 15,923
Capital Bank and Trust Co. Albany, N.Y. none commercial bank 6.26 2.22 4,064 0.20 85,948
72 Progressive-Home Federal Savings and Loan Association Pittsburgh none thrift 6.20 4.46 2,987 0.07 82,849
73 Park Bank Holmen, Wis. none commercial bank 6.18 6.52 2,072 1.44 42,643
74 Pella State Bank Iowa MidWestOne Financial Group Oskaloosa, Iowa commercial bank 6.17 6.73 1,922 0.67 61,037
National Bank of Harvey N.D. First Bank Holding Co. Harvey, N.D. commercial bank 6.17 5.42 1,509 -0.52 47,207
Adams County Building and Loan Co. West Union, Ohio none thrift 6.17 4.63 936 0.00 25,751
77 Fullerton National Bank Fullerton, Neb. Lisco State Co. Neb. commercial bank 6.15 0.49 925 0.00 22,739
Potter State Bank Neb. Enevoldsen Management Co. Potter, Neb. commercial bank 6.15 4.37 683 2.35 17,313
Synergy Bank SSB Waco, Tex. Premier Bancshares Inc., Dallas savings bank 6.15 1.25 3,243 0.91 68,092
80 Bank of Houston Houston, Mo. Ozark Bancshares Inc. Houston, Mo. commercial bank 6.12 6.23 1,717 -0.40 51,919
81 First National Bank Henryetta, Okla. First Okmulgee Corp. Okla. commercial bank 6.11 2.15 2,005 0.22 63,445
82 Citizens Bank of Cochran Ga. Putnam-Greene Financial Corp. Eatonton, Ga. commercial bank 6.10 1.39 3,426 8.40 83,523
83 Bank of Calhoun County Hardin, Ill. none commercial bank 6.04 7.73 1,669 -0.17 50,370
84 Resource Bank De Kalb, Ill. Resource Bancshares Inc. De Kalb, Ill. commercial bank 6.02 6.90 8,266 -0.08 219,159
85 Farmers State Bank of Trimont Minn. FSB Holding Co. Inc. Trimons, Minn. commercial bank 6.01 4.86 1,290 -0.03 38,136
86 Bank of Warrensburg Ill. North Adams Bancshares Inc. Ursa, Ill. commercial bank 5.96 1.62 372 -0.06 8,474
87 Garfield County Bank Jordan, Mont. Garfield County Bancshares Jordan, Mont. commercial bank 5.92 4.38 1,000 0.07 25,457
Dakota Western Bank Bowman, N.D. Dakota Western BanksharesBowman, N.D. commercial bank 5.92 3.68 4,271 0.04 103,716
89 Central Bank and Trust Co. Hutchinson, Kan. Central Financial Corp.Hutchinson, Kan. commercial bank 5.91 4.85 8,208 5.72 214,101
90 First State Bank of Healy Kan. none commercial bank 5.84 5.09 1,349 -8.22 40,435
91 Peak National Bank Nederland, Colo. Peak Banks of Colorado Inc. Nederland commercial bank 5.81 2.05 8,026 0.26 197,705
Putnam County National Bank of Carmel N.Y. none commercial bank 5.81 8.19 5,926 -0.05 173,734
93 Ulster Savings Bank Kingston N.Y. none savings bank 5.76 7.51 21,326 -0.01 556,198
94 High Desert State Bank Albuquerque none commercial bank 5.73 4.65 1,204 0.92 32,420
95 National Bank of Geneva N.Y. Financial Institutions Inc. Warsaw, N.Y. commercial bank 5.71 4.50 25,092 2.54 707,540
96 South Lafourche Bank and Trust Co. Larose, La. Lafourche Bancshares Inc. Larose, La. commercial bank 5.69 2.01 3,500 1.60 74,433
Citizens State Bank Okemah, Okla. Citizens Bankshares Inc. Okemah, Okla. commercial bank 5.69 4.20 832 1.81 26,877
98 Farmers State Bank Maywood, Neb. Unibanc Corp. Maywood, Neb. commercial bank 5.67 7.32 2,310 1.33 57,835
99 Sobieski Bank South Bend, Ind. Sobieski Bancorp Inc. South Bend, Ind. thrift 5.66 5.68 3,496 3.05 108,551
100 Elgin State Bank Ill. Elgin State Bancorp Inc. Ill. commercial bank 5.64 1.31 8,855 -0.36 224,033
101 Baileyville State Bank Seneca, Kan. Baileyville Bancshares Inc. Seneca, Kan. commercial bank 5.61 0.66 745 0.18 25,085
102 First State Bank Parkin, Ark. Parkin Bancorp Inc. Ark. commercial bank 5.59 6.15 634 0.54 22,511
Cottonwood Valley Bank Cedar Point, Kan. Cedar Point Bancshares Inc. Kan. commercial bank 5.59 0.06 587 -0.11 18,696
104 Bank of Waukegan Ill. Northern States Financial Corp. Waukegan, Ill. commercial bank 5.58 5.80 20,134 1.67 666,242
105 Security State Bank Sebeka, Minn. Sebeka Bancshares Inc. Minn. commercial bank 5.56 2.26 714 0.00 24,780
106 Community Bank Loganville, Ga. Triangle Financial Group Inc. Loganville, Ga. commercial bank 5.48 0.47 13,124 -0.01 273,542
First National Bank of Waverly Ohio Central Ohio Bancorp Waverly commercial bank 5.48 4.27 4,554 0.16 162,657
108 First Bankcentre Broken Arrow, Okla. Healthcare Bancorp Inc. Broken Arrow, Okla. commercial bank 5.47 N/A 1,062 0.23 28,641
109 Cottonport Bank La. Mansura Bancshares Inc. La. commercial bank 5.44 3.95 7,120 0.16 206,735
110 Bank of Commerce Downers Grove, Ill. none commercial bank 5.40 5.76 2,856 -0.52 59,901
First National Bank of Evant Tex. none commercial bank 5.40 2.43 910 -0.12 25,933
112 Merrick Bank South Jordan, Utah none commercial bank 5.39 9.56 26,093 10.20 432,408
113 Petit Jean State Bank Morrilton, Ark. Petit Jean Bancshares Inc. Morrilton, Ark. commercial bank 5.37 3.07 4,055 1.37 93,970
114 Merchants and Farmers Bank Holly Springs, Miss. M&F Bancorp Inc. Holly Springs, Miss. commercial bank 5.36 1.49 1,959 0.37 66,303
115 State Bank of Townsend Mont. S.B.T. Financial Inc. Townsend, Mont. commercial bank 5.34 3.92 1,097 -0.18 34,138
Bankfirst Sioux Falls, S.D. Bankfirst Corp. Inc. Sioux Falls, S.D. commercial bank 5.34 5.75 26,685 24.25 696,753
117 Calumet County Bank Brillion, Wis. Calumet Bancshares Inc. Brillion, Wis. commercial bank 5.32 5.48 2,055 0.07 58,952
118 Citrus Bank Vero Beach, Fla. CIB Marine Bancshares Inc. Pewaukee, Wis. commercial bank 5.31 1.17 5,925 -0.26 202,548
119 Bank of the Rockies White Sulphr Springs, Mont. Countricorp White Suphur Springs, Mont. commercial bank 5.28 4.37 2,215 0.11 58,253
Gladewater National Bank Tex. East Texas Financial Corp. Kilgore, Tex. commercial bank 5.28 5.74 917 0.62 26,495
121 Gordon Bank Ga. none thrift 5.25 7.16 1,140 3.16 38,853
122 Kit Carson State Bank Colo. Kit Carson Insurance Agency Colo. commercial bank 5.24 3.60 1,584 -0.09 48,792
123 Bank and Trust of Puerto Rico Hato Rey none commercial bank 5.22 4.42 19,657 0.45 550,624
124 American State Bank Tulsa ASB Corp. Tulsa. commercial bank 5.20 5.01 327 3.72 9,485
125 Parkway Bank and Trust Co. Harwood Heights, Ill. Parkway Bancorp Inc. Harwood Heights,Ill. commercial bank 5.19 1.26 60,960 0.05 1,568,935
State Bank of Aurora Minn. Aurora Holding Co. Minn. commercial bank 5.19 2.44 1,280 0.16 28,763
Hamlin National Bank Hamlin, Tex. Hamlin Financial Corp. Tex. commercial bank 5.19 4.68 2,506 -0.18 90,083
128 Central Illinois Bank Champaign CIB Marine Bancshares Inc. Pewaukee, Wis. commercial bank 5.18 2.36 32,512 -0.10 837,746
Abbeville Building and Loan La. none savings bank 5.18 1.80 982 0.00 29,970
Mount Washington Savings and Loan Cincinnati none thrift 5.18 3.68 2,549 0.00 62,450
131 Peoples Bank Ewing, Va. none commercial bank 5.15 1.98 1,371 0.11 40,734
132 Minden Exchange Bank and Trust Co. Neb. Armstrong Financial Co.Minden, Neb. commercial bank 5.13 5.57 4,509 -0.06 132,048
133 Advance Bank Baltimore none thrift 5.09 1.49 2,329 0.08 78,233
134 State Bank of Wheaton Minn. Traverse City Investment Corp. Wheaton, Minn. commercial bank 5.07 6.49 2,419 1.58 62,474
135 Union Federal Bank of Indianapolis Waterfield Mortgage Co. Fort Wayne, Ind. thrift 5.06 3.06 124,440 0.09 3,610,707
136 Garnavillo Savings Bank Iowa Garnavillo Bank Corp. Iowa commercial bank 5.04 5.11 774 0.11 24,524
137 First National Bank and Trust Co. Kokomo, Ind. Hasten Bancshares, Indianapolis commercial bank 5.02 5.49 39,363 0.75 1,415,074
138 First National Bank in Amboy Ill. Amboy Bancorp Inc. Ill. commercial bank 4.98 3.92 3,229 0.18 119,890
Edgar County Bank and Trust Co. Paris, Ill. Edgar County Banc Shares Paris, Ill. commercial bank 4.98 5.43 5,569 -0.01 167,301
Tioga-Franklin Savings Bank Philadelphia none savings bank 4.98 1.68 526 0.00 16,091
141 Premier Bank Denver PB Financial Group Inc. Denver commercial bank 4.97 2.09 4,322 0.39 126,448
142 Belt Valley Bank Belt, Mont. none commercial bank 4.94 6.03 1,481 0.30 53,546
143 Citizens State Bank Kelliher, Minn. Kelliher Bancshares Inc. Minn. commercial bank 4.91 0.72 452 -0.13 14,855
144 Amistad Bank Del Rio, Tex. Eden Financial Corp. San Angelo, Tex. commercial bank 4.87 4.49 493 0.19 14,448
145 Cumberland Valley National Bank and Trust Co. East Bernstadt, Ky. Cumberland Valley Financial Corp. London, Ky. commercial bank 4.85 4.53 12,136 0.71 438,709
146 Western Bank of Chinook Mont. Citizens Development Co. Billings. Mont. commercial bank 4.84 3.61 1,067 0.12 31,199
147 MidWestOne Bank and Trust Co. Oskaloosa, Iowa MidWestOne Financial Group Oskaloosa, Iowa commercial bank 4.81 6.40 9,955 0.26 258,970
148 First Security Bank of Malta Mont. Milk River Banquo Inc. Malta, Mont. commercial bank 4.80 7.26 711 0.13 23,253
149 Alamerica Bank Birmingham, Ala. Alamerica Banccorp Inc. Birmingham, Ala. commercial bank 4.79 0.15 1,804 0.00 57,536
150 Peoples Bank Lyons, Ga. South Georgia Bankshares Corp. Lyons commercial bank 4.78 0.31 2,265 0.00 64,027

Notes: Data from preliminary quarterly call reports and thrift financial reports from the FDIC and OTS. Excludes foreign holding companies. Excludes institutions whose assets were less than 50% loans.
*Nonperforming loans and leases as percent of gross loans and leases.

**Chargeoffs, minus recoveries credited to the loan-loss allowance, divided by average loans and leases.

Source: Highline Banking Data Services (877-299-9424)

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