Banks and Thrifts with Highest Nonperformer Ratios

View Table
Printer Friendly Version
Banks and Thrifts with Highest Nonperformer Ratios

Banks and Thrifts with Highest Nonperformer Ratios
On Dec. 31, 2004. Dollars in thousands
March 31, 2005
    Holding company Institution type Ratio* Year earlier Nonperformers Net chargeoffs** Assets
1 First National Bank Lubbock, Tex. Western Bancshares Inc., Van Horn, Tex. commercial bank 22.95% 18.13% $4,671 21.48% $31,503
2 Flower Bank FSB Chicago Umbrella Bancorp Inc., Summit Argo, Ill thrift 22.69 10.05 9,823 6.56 77,624
3 Bank of Lake Village Ark. Southeast Arkansas Bank Corp., Lake Village commercial bank 20.67 12.2 7,617 4.03 58,592
4 Community Bank of Lawndale Chicago IBC Bancorp Inc., Chicago commercial bank 18.66 14.41 4,574 3.33 39,741
5 Eastern Savings Bank FSB Hunt Valley, Md. none thrift 18.48 23.6 121,215 0.01 717,364
6 Asia-Europe-Americas Bank Seattle AEA Bancshares Inc., Seattle commercial bank 18.29 0.06 12,075 3.39 113,672
7 Farmers Deposit Bank Eminence, Ky. Premier Financial Bancorp, Huntington, W.Va. commercial bank 13.18 16.68 6,477 7.98 91,605
8 Georgia Community Bank Dalton none thrift 12.53 6.26 4,817 4.7 45,088
9 First National Bank of Evant Tex. none commercial bank 12.33 6.09 1,669 1.85 24,445
10 Exchange Bank Gibbon, Neb. Exchange Co., Gibbon, Neb. commercial bank 12.07 4.17 7,870 6.37 93,196
11 Purdum State Bank Purdum, Neb. none commercial bank 11.14 21.09 1,700 0.9 19,885
12 Marine Bank Wauwatosa, Wis. CIB Marine Bancshares Inc., Peawaukee, Wis. commercial bank 11.02 4.29 17,816 2.09 277,890
13 First National Bank Henryetta, Okla. First Okmulgee Corp., Okla. commercial bank 10.88 2.6 4,260 0.45 77,447
14 Bank of Anguilla Miss. none commercial bank 10.26 5.9 6,141 0.78 90,795
15 Pine Island Bank Pine Island, Minn. Zumbrota Agency Inc., Minn. commercial bank 9.95 5.49 2,378 0.86 45,297
16 First National Bank of St. Marys W.Va. First National Bancorp Inc., St. Marys, W.Va. commercial bank 9.36 5.08 2,426 0.02 36,084
17 Bank of Durango Colo. Ameribanc Holdings, Durango, Colo. commercial bank 9.22 0.72 3,335 1.51 47,009
  Pella State Bank Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 9.22 6.55 3,667 0.94 67,767
19 Holladay Bank and Trust Co. Salt Lake City none commercial bank 9.14 8.28 2,683 0.36 38,928
20 Traders Bank Spencer, W.Va. Traders Bankshares Inc., Spencer, W.Va. commercial bank 9.06 7.48 6,814 1.79 110,989
21 San Jose Tri County Bank Ill. American Heritage Banco Inc., Fremont, Ind. commercial bank 8.95 4.71 440 5.6 6,908
22 First Enterprise Bank Oklahoma City none commercial bank 8.92 9.02 10,492 2.6 137,431
23 First Bank and Trust Co. of Illinois Palatine Hershenhorn BanCorp., Palantine, Ill. commercial bank 8.58 23.54 28,428 2.42 512,896
  Van Horn State Bank Van Horn, Tex. Western Bancshares Inc., Van Horn, Tex. commercial bank 8.58 0.53 1,457 0.26 25,168
25 First National Bank of Marin Las Vegas Marin National Bancorp, Las Vegas commercial bank 8.37 12.28 21,720 14.53 215,061
26 First Bank Wadley, Ala. Peoples Independent Bancshares, Boaz, Ala. commercial bank 8.19 7.52 2,027 0.29 48,982
27 Oklahoma State Bank Oklahoma City Town and Country Bancshares Inc., Oklahoma City commercial bank 8.08 9.92 1,501 2.98 35,920
28 Central Valley Bank Ottumwa, Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 8.01 NA 7,989 0.97 121,105
29 CIB Bank Indianapolis CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 7.97 2.41 5,837 3.93 127,753
30 Central Illinois Bank Champaign CIB Marine Bancshares Inc., Pewaukee, Wis. commercial bank 7.96 3.35 29,881 5.07 687,119
31 Triad Bank Tulsa Triad Bancshares Inc., Tulsa commercial bank 7.92 9.93 6,631 0.22 88,630
32 Dutton State Bank Dutton, Mont. Dutton Bancorp. Inc., Mont. commercial bank 7.91 4.22 854 0 21,451
33 Midwestone Bank Burlington, Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 7.87 NA 10,329 0.56 179,209
34 Citizens Bank Hickman, Ky. Citizens Bancorp of Hickman, Ky. commercial bank 7.65 1.44 4,479 0.3 87,158
35 Greater South Texas Bank Falfurrias none commercial bank 7.51 NA 1,309 1.96 25,102
36 Bank of Okolona Miss. Bancorp of Okolona, Miss commercial bank 7.45 8.1 3,171 1 56,216
37 First National Bank of Le Roy Kan. Le Roy Bancshares Inc., Kan. commercial bank 7.34 9.56 1,136 -0.52 22,546
38 State Bank of Scotia Neb. none commercial bank 7.27 3.97 855 2.47 22,815
39 Midwestone Bank and Trust Co. Oskaloosa, Iowa MidWestOne Financial Group, Oskaloosa, Iowa commercial bank 7.2 5.47 16,374 0.43 273,969
40 Arkansas Diamond Bank Glenwood Bainum Bancorp, Glenwood, Ark. commercial bank 7.15 1.42 4,740 0.17 113,142
41 Farmers State Bank of Oakley Kansas Security Bancshares Inc., Scott City, Kan. commercial bank 7.1 6.64 3,130 2.6 73,930
42 First National Bank of New Holland Ohio Community First Financial Bancorp, New Holland, Ohio commercial bank 7.01 1.99 2,150 2.67 36,746
43 Home National Bank Racine, Ohio none commercial bank 6.95 5.54 2,566 0.87 52,500
44 Concordia Bank Concordia, Mo. Concordia Banc-Management, Mo. commercial bank 6.94 6.38 2,498 0.75 49,249
45 Citizens Bank of Cochran Ga. Putnam-Greene Financial Corp., Eatonton, Ga. commercial bank 6.9 5.35 3,491 7.47 76,764
46 Marquette Farmers State Bank Kan. none commercial bank 6.73 4.19 1,101 0.06 23,449
47 Security State Bank Iron River, Wis. Security Bank Shares Inc., Iron River, Wis. commercial bank 6.65 4.56 4,921 0.69 100,935
48 Grand Haven Bank Mich. Capitol Bancorp Ltd., Lansing, Mich. commercial bank 6.63 3.13 7,265 1.33 119,262
49 MemphisFirst Community Bank MemphisFirst Corp. commercial bank 6.59 3.37 998 -0.01 26,442
50 Kinderhook State Bank Ill. none commercial bank 6.57 7.64 1,055 2.64 27,904
51 Progressive-Home Federal Savings and Loan Assn. Pittsburgh none thrift 6.51 6.44 2,859 0.01 77,421
52 First National Bank of Goliad Tex. American Bank Holding Corp., Corpus Christi, Tex. commercial bank 6.45 7.18 1,724 2.62 42,503
53 Colorado Mountain Bank Westcliffe Custer Bancorp Westcliffe, Colo. commercial bank 6.43 0.42 3,642 3.59 70,665
54 Beal Bank Plano, Tex. Beal Financial Corp., Dallas savings bank 6.39 8.26 149,398 0.7 3,338,052
55 Citizens Community Bank of Decatur Ill. none commercial bank 6.33 8.15 559 -0.01 13,858
56 Putnam County National Bank of Carmel N.Y. none commercial bank 6.16 6.18 7,091 -0.04 167,029
57 First National Bank American East Lansing, Mich. First National Bancshares, East Lansing, Mich. commercial bank 6.12 5.4 17,273 0.75 324,890
  First National Bank of St. Ignace Mich. none commercial bank 6.12 4.96 6,367 0.02 190,338
59 Alliant Bank Sedgwick, Kan. none commercial bank 6.1 7.06 725 0.27 20,478
60 National Bank of Geneva N.Y. Financial Institutions Inc., Warsaw, N.Y. commercial bank 6.07 5.37 23,071 1.53 689,198
61 Mercedes National Bank Tex. Mercedes Bancorp Inc., Tex. commercial bank 6.04 4.59 1,637 0.76 36,134
62 DeWitt Bank and Trust Co. Ark. DBT Financial Corp., DeWitt, Ark. commercial bank 6.03 5.88 4,605 0.49 105,350
63 First National Bank of Wiggins Miss. none commercial bank 5.98 9.83 1,570 2.18 47,599
64 First State Bank Picher, Okla. First Picher Bancshares Inc., Okla. commercial bank 5.97 5.4 214 -0.06 6,455
65 Park Bank Holmen, Wis. none commercial bank 5.95 6.59 1,971 1.06 42,604
66 Ulster Savings Bank Kingston, N.Y. none savings bank 5.92 7.21 24,395 0.03 572,088
67 First National Bank of Lindsay Okla. First Lindsay Corp., Okla. commercial bank 5.87 6.23 939 3.44 26,143
68 Central Bank for Savings Winona, Miss. none thrift 5.84 3.42 1,541 0.17 32,169
69 BankTennessee Collierville Civitas Bankingroup Inc., Franklin, Tenn. commercial bank 5.83 6.4 7,928 1.26 200,543
70 Citizens Bank of Kansas Kingman King Bancshares Inc., Kingman, Kan. commercial bank 5.8 3.1 5,457 0.64 164,134
71 Heritage Bank Ashland, Ky. Heritage Capital Corp., Ashland, Ky. commercial bank 5.68 0.98 3,984 4.62 96,758
72 Alden State Bank Alden, N.Y. none commercial bank 5.65 2.86 6,297 1.83 182,764
73 First National Bank of Columbia Ky. Albany Bancorp Inc., Ky. commercial bank 5.63 3.02 7,509 1.63 177,144
74 First National Bank of Southern Kansas Mount Hope Mount Hope Bancshares Inc., ,Kan. commercial bank 5.55 3.75 2,116 0.22 57,127
75 Steel Valley Bank Dillonvale, Ohio none commercial bank 5.52 2.37 1,863 0.43 51,413
76 Continental National Bank of Harlowton Mont. none commercial bank 5.46 3.68 1,305 1.43 41,293
77 White Hall Bank Ill. Lima Bancshares Inc., Ill. commercial bank 5.44 0.53 1,707 0.37 45,076
78 First Premier Bank Sioux Falls, S.D. United National Corp., Sioux Falls, S.D. commercial bank 5.4 0.4 37,679 17.16 928,803
79 National Bank of Gainesville Ga. NBOG Bancorp. Inc., Gainsville, Ga. commercial bank 5.36 0.86 1,730 4.34 48,003
80 North Side Federal Savings and Loan Assn. of Chicago none thrift 5.34 1.73 1,563 0 41,800
81 New York National Bank none commercial bank 5.32 2.19 4,044 0.63 127,691
82 Franklin State Bank and Trust Co. Winnsboro, La. Franklin Bancorp Inc., Winnsbora, La. commercial bank 5.31 7.02 2,837 0.51 99,885
83 Cross Country Bank Wilmington, Del. none commercial bank 5.29 4.47 47,860 20.77 992,562
84 First National Bank of Pontotoc Miss. Pontotoc Bancshares Corp., Miss. commercial bank 5.27 2.22 7,460 0.64 201,266
85 Baileyville State Bank Seneca, Kan. Baileyville Bancshares Inc., Seneca, Kan. commercial bank 5.26 1.31 767 0.7 24,140
86 First National Bank of Graford Tex. none commercial bank 5.25 3.57 1,309 1.5 46,215
87 Kit Carson State Bank Colo. Kit Carson Insurance Agency, Colo. commercial bank 5.22 3.69 1,611 0.2 48,781
  National Bank of North East Pa. North East Bancshares Inc., Penn. commercial bank 5.22 6.44 2,713 0.19 68,678
89 Community Bank of Trenton Ill. none commercial bank 5.16 1.17 1,833 0.23 57,131
90 Merchants and Farmers Bank Holly Springs, Miss. M&F Bancorp Inc., Holly Springs, Miss. commercial bank 5.09 5.7 1,789 0.47 60,557
91 Tri-State Bank of Memphis none commercial bank 5.05 8.17 3,342 0.06 113,034
92 Bankfirst Sioux Falls, S.D. Bankfirst Corp. Inc., Sioux Falls, S.D. commercial bank 5.01 8.08 16,399 0.07 640,135
93 Union Federal Bank of Indianapolis Waterfield Mortgage Co., Fort Wayne, Ind. thrift 4.98 5.37 104,247 0.45 3,719,528
94 Merrick Bank Corp. South Jordan, Utah none commercial bank 4.97 5.98 29,357 8.85 555,232
95 First Bankcentre Broken Arrow, Okla. Healthcare Bancorp Inc., Broken Arrow, Okla. commercial bank 4.91 3.21 856 0.66 26,914
  First Federal of South Carolina Walterboro, S.C. First Carolina Bancshares MHC, Walterboro, S.C. thrift 4.91 5.64 3,166 0.14 96,597
97 Adams County B&LC West Union, Ohio none thrift 4.88 5.3 765 0 25,018
98 Fairbank State Bank Iowa Independence Bancshares Inc., Iowa commercial bank 4.84 0.79 789 0.5 25,309
99 Bank of Waukegan Ill. Northern States Financial Corp., Waukegan, Ill. commercial bank 4.76 5.47 17,769 0.54 619,607
  Independence Bank East Greenwich, R.I. none commercial bank 4.76 5.83 1,362 0.79 51,927
101 Lincoln State Bank Rochelle, Ill. Lincoln Bancorp Inc., Rochelle, Ill. savings bank 4.75 2.69 1,458 2.42 41,441
102 Bank of Greensburg La. none commercial bank 4.71 1.73 1,620 0.2 60,745
103 Independence Federal Bank Independence, Iowa none thrift 4.7 3.59 741 0 22,268
  Farmers State Bank of Hoffman Minn. Hoffman Bancshares Inc., Minn. commercial bank 4.7 3.09 575 0.54 24,151
105 Monogram Credit Card Bank Alpharetta, Ga. none commercial bank 4.69 4.32 177,854 7.63 4,764,464
106 Farmers Security Bank Washburn, N.D. McLean Bank Holding Co., Garrison, N.D. commercial bank 4.66 6.93 704 0.19 29,854
107 NBanC Tulsa NBC Corp. of Oklahoma, Oklahoma City commercial bank 4.64 1.48 5,936 0.51 145,105
108 Monroe State Bank Monroe, Iowa Monroe Bancshares Ltd., Iowa commercial bank 4.62 6.36 487 0.03 21,054
109 Heartland Community Bank Bryant, Ark. HCB Bancshares Inc., Camden, Ark. thrift 4.61 3.6 2,944 0.32 97,461
110 Security State Bank Wellington, Kan. SSB Holdings Inc., Wellington, Kan. commercial bank 4.6 1.96 918 1.65 39,108
111 First State Bank Keyes, Okla. First Keyes Bancshares Inc., Okla. commercial bank 4.58 4.61 1,115 0.46 42,496
112 Gordon Bank Ga. none commercial bank 4.57 NA 999 0.96 38,068
113 Imperial Savings and Loan Inc. Martinsville, Va. none thrift 4.56 4.05 249 1.13 9,557
114 Lyons State Bank Kan. Coronado Financial Corp., Lyon, Kan. commercial bank 4.51 3.02 2,592 0.21 82,743
115 BankPacific Ltd. Hagatna, Guam Trust of J and A Flores, Agana, Guam thrift 4.49 3.89 2,899 0.61 83,109
  Mississippi County Savings and Loan Charleston, Mo. none thrift 4.49 3.62 304 0 11,026
  Richton Bank and Trust Co. Richton, Miss. Centon Bancorp Inc., Richton, Miss. commercial bank 4.49 1.91 1,923 0.05 72,121
  First State Bank Hordville, Neb. Firstand Co., Hordville, Neb. commercial bank 4.49 1.19 627 -0.02 24,581
119 Peoples National Bank Colorado Colorado Springs Winter Trust of 12/3/74, Ottawa, Kan. commercial bank 4.48 1.24 9,749 0.19 248,125
120 Mancos Valley Bank Colo. Southern Colorado Corp., Inverness, Ill. commercial bank 4.46 5.95 1,162 -0.02 39,500
121 McClain Bank Purcell, Okla. McClain County Bancorp, Purcell, Okla. commercial bank 4.42 4.18 3,896 0.6 141,044
122 Metrobank Farmington Hills, Mich. Citizens First Bancorp, Port Huron, Mich. savings bank 4.41 3.95 5,202 0.08 164,437
  First Capital Bank Guthrie, Okla. FCB Holdings Inc., Guthrie, Okla. commercial bank 4.41 4.93 3,784 0.25 95,457
124 GE Capital Consumer Card Co. Mason, Ohio none thrift 4.35 3.13 308,056 6.13 7,484,657
125 Surety Bank Fort Worth Surety Capital Corp., Fort Worth commercial bank 4.31 1.46 1,883 2.82 54,913
126 First Farmers and Merchants State Bank Grand Meadow, Minn. 215 Holding Co., Minneapolis commercial bank 4.3 0 955 0.51 30,066
127 South Lafourche Bank and Trust Co. Larose, La. Lafourche Bancshares Inc., Larosem La. commercial bank 4.29 3.33 2,806 0.94 79,879
128 Delta Trust and Bank Parkdale, Ark. Delta Trust And Banking Corp., Little Rock commercial bank 4.26 5.28 6,296 0.88 197,091
129 Huntingdon Savings Bank Pa. none savings bank 4.25 3.37 330 0 11,818
130 First National Bank of Lewisville Ark. First National Bancshares, Hope, Ark. commercial bank 4.23 3.66 842 1.85 37,395
131 Bank of Camilla Ga. Camilla Bancshares Inc., Ga. commercial bank 4.2 4.33 1,768 1.29 73,886
132 Central National Bank Lynchburg, Va. none commercial bank 4.19 3.06 2,775 0.04 103,665
133 Celtic Bank Corp. Salt Lake City none commercial bank 4.18 3.32 2,338 0.26 70,164
134 Tioga-Franklin Savings Bank Philadelphia none savings bank 4.16 4.16 411 0 16,496
135 Liberty Bank of Arkansas Siloam Springs Liberty Bancshares Inc., Jonesboro, Ark. commercial bank 4.13 5.54 5,083 0.36 185,707
136 Builders Bank Chicago Builders Financial Corp., Chicago commercial bank 4.13 12.08 12,003 -0.06 436,823
137 Advance Bank Baltimore none thrift 4.08 5.59 1,737 0.05 73,151
138 Shenandoah National Bank Staunton, Va. none commercial bank 4.07 1.18 2,788 0.03 117,445
139 Necedah Bank Necedah, Wis. Ambanc Financial Services, Beaver Dam, Wis. commercial bank 4.06 2.56 897 -0.08 37,564
140 First National Bank of Wamego Kan. Wamego Bancshares Inc., Kan. commercial bank 4.03 2.62 2,392 0.37 78,414
141 First National Exchange Bank Roanoke, Va. none commercial bank 4.02 1.25 5,707 0.02 228,312
142 Hometown Community Bank Cyrus, Minn. Cyrus Bancshares Inc., Minn. commercial bank 3.99 2.55 647 1.7 22,043
143 Central State Bank Elkader, Iowa AJJ Bancorp Inc., Elkader, Iowa commercial bank 3.98 4.24 1,854 0.9 90,780
144 Home Savings Bank Salt Lake City Home Credit Corp., Salt Lake City commercial bank 3.98 2.9 2,252 0.18 75,159
145 First National Bank Northwest Florida Panama City First Northwest Florida Holding Co., Panama City commercial bank 3.96 1.61 3,675 0 140,185
146 Citizens Progressive Bank Columbia, La. none commercial bank 3.95 0.76 1,094 0.36 35,057
147 Bank of Orrick Mo. none commercial bank 3.93 0.49 716 0.27 33,128
148 First National Bank of Cambridge Neb. FNB Financial Services Inc., Cambridge, Neb. commercial bank 3.93 1.26 915 0.17 36,818
149 Gilmer National Bank Tex. Gilmer National Bancshares, Tex. commercial bank 3.92 4.15 3,646 0.96 176,659
150 State Central Bank Keokuk, Iowa none commercial bank 3.9 2.98 4,308 0.59 176,958


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 December 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