Banks and Thrifts with Highest Nonperformer Ratios

January 31, 2007, 10:08 a.m. EST 1 Min Read

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Banks and Thrifts with Highest Nonperformer Ratios
On Sept. 30, 2006. Dollars in thousands Published January 31, 2007
		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Eastern Savings Bank FSB Hunt Valley, Md.	none	thrift	20.20%	18.63%	$176,398	0.01%	$949,027
2	First National Bank of Bellevue Ohio	First Bancshares Inc.	commercial bank	18.11	2.41	12,457	5.32	95,536
3	First State Bank New Braunfels, Tex.	Capitol Bankshares Inc.	commercial bank	15.93	0.56	24,091	0.04	201,381
4	First National Bank of New Holland Ohio	Community First Financial Bancorp Inc.	commercial bank	15.03	14.06	2,452	4.66	23,609
5	American Savings Inc. New Prague, Minn.	Waseca Bancshares Inc.	commercial bank	14.34	5.07	492	0	3,722
6	Bank of Paxton, Neb.	Beveridge Bancshares Inc.	commercial bank	13.87	0	1,806	22.68	17,813
7	Community Bank of Lawndale Chicago	IBC Bancorp Inc.	commercial bank	13.73	16.23	2,544	0.02	36,268
8	Flower Bank FSB Chicago	Umbrella Bancorp Inc.	thrift	12.98	22.84	3,846	2.59	41,727
9	First State Bank Danville, Va.	none	commercial bank	12.61	7.34	3,117	2.99	35,242
10	Douglass National Bank Kansas City, Mo.	Douglass Bancorp Inc.	commercial bank	10.6	0.52	5,415	8.01	75,197
11	Progressive-Home Federal Savings and Loan Assn. Pittsburgh	none	thrift	10.02	7.96	3,118	-0.05	51,565
12	Louisville Community Development Bank Ky.	none	commercial bank	9.22	13.4	1,561	3.02	32,586
13	Premier Bank Denver	PB Financial Group Inc.	commercial bank	9.06	4.6	6,422	-1.46	105,494
14	First National Bank and Trust Co. in Larned Kan.	Pawnee Bancshares Inc.	commercial bank	9.06	10.58	2,559	-0.33	53,429
15	First Credit Bank Los Angeles	none	commercial bank	8.89	5.88	23,706	0	316,542
16	Terrabank Miami	none	commercial bank	8.51	0.94	15,106	-0.04	311,096
17	Clifton Heights Savings and Loan Co. Cincinnati	none	thrift	8.42	8.04	1,218	0	15,915
18	Surety Bank Fort Worth	Surety Capital Corp.	commercial bank	8.35	1.19	1,497	-0.52	28,732
19	MyLubbockBank Lubbock, Tex.	Western Bancshares Inc.	commercial bank	8.27	10.12	3,037	1.81	54,859
20	Unity National Bank of Houston Houston	none	commercial bank	8.23	6.38	2,549	4.42	52,758
21	Farmers Deposit Bank Eminence, Ky.	Premier Financial Bancorp Inc.	commercial bank	8.09	7.76	3,659	-0.55	77,856
22	First National Bank of Ballinger Tex.	Texas Country Bancshares Inc.	commercial bank	8.04	0	4,302	0.01	91,853
23	RidgeStone Bank Brookfield, Wis.	Ridgestone Financial Services Inc.	commercial bank	7.5	0.21	5,378	-0.17	111,785
24	Prairie State Bank Augusta, Kan.	Prairie Capital Inc.	commercial bank	7.33	0.68	10,232	3.02	271,032
25	Kinderhook State Bank Ill.	none	commercial bank	7.22	3.98	792	6.07	20,609
26	Citizens Bank and Trust Co. of Chicago	Citizens Financial Corp.	commercial bank	7.08	4.43	3,821	0	74,180
27	Kent County State Bank Jayton, Tex.	Kenco Bancshares Inc.	commercial bank	7.08	5.68	932	4.37	25,316
28	Putnam County National Bank of Carmel N.Y.	none	commercial bank	7.05	10.97	7,969	0	163,033
29	Tri State Bank of Memphis	none	commercial bank	7	8.52	4,678	-0.02	114,763
30	Alliant Bank Sedgwick, Kan.	none	commercial bank	6.99	0	877	0.15	22,064
31	Bank of Montgomery Ill.	Montgomery Bancshares Inc.	commercial bank	6.88	2.53	1,405	0.15	36,850
32	First Resource Bank Savage, Minn.	Evans Bancshares Inc.	commercial bank	6.68	0	795	0	17,235
33	Beal Bank SSB Plano, Tex.	Beal Financial Corp.	savings bank	6.62	6.49	81,026	0.79	1,866,932
34	Equity Bank Dodge Center, Minn.	Equity Bank Holding Co. Inc.	commercial bank	6.56	0.04	2,955	0.12	53,821
35	Purdum State Bank Neb.	none	commercial bank	6.51	6.44	1,018	0	18,571
36	State Bank and Trust Co. Harrodsburg, Ky.	State Financial Services Inc.	commercial bank	6.47	2.49	3,681	1.34	107,815
37	Home Building and Loan Co. Greenfield, Ohio	none	thrift	6.41	0	1,355	0	37,026
38	Borrego Springs Bank Calif.	none	commercial bank	6.31	9.42	3,743	0.39	88,642
39	Nbank Commerce, Ga.	NBank Corp.	commercial bank	6.27	0.8	5,857	0.08	166,186
40	First National Bank Mount Pulaski Ill.	First National Financial Corp.	commercial bank	6.25	4.08	1,604	-0.02	40,975
41	First State Bank Ketchum, Okla.	Green Country Bancorp. Inc.	commercial bank	6.24	0.77	1,214	6.31	27,905
42	Cottonport Bank La.	Mansura Bancshares Inc.	commercial bank	6.23	3.21	8,837	0.32	214,141
43	Greater South Texas Bank Falfurrias	none	commercial bank	6.14	8.07	1,142	0	28,970
44	Hiawatha National Bank Hager City, Wis.	Hiawatha Bancshares Inc.	commercial bank	6.12	4.74	1,930	0.28	44,400
45	Bay Bank Green Bay, Wis.	Bay Bancorp.	commercial bank	6.1	0.67	4,423	0.19	98,013
46	Citizens Bank Hickman, Ky.	Citizens Bancorp of Hickman Inc.	commercial bank	6.08	5.37	3,450	3.36	84,818
47	First State Bank Valliant Okla.	none	commercial bank	6.04	7.47	2,602	1	46,909
48	Eagle Valley Bank St. Croix Falls Wis.	Financial Services of Saint Croix Falls Inc.	commercial bank	6.01	1.04	8,648	0.3	222,804
49	North American State Bank Belgrade, Minn.	NASB Shares Inc.	commercial bank	5.93	1.43	4,976	1.92	106,583
50	Peoples Bank and Trust Co. Ryan, Okla.	none	commercial bank	5.92	3.61	638	0	15,896
51	Owen Community Bank, Savings Bank Spencer, Ind.	Home Financial Bancorp	thrift	5.92	5.76	3,750	0.35	76,176
52	Grand Timber Bank McGregor, Minn.	McGregor Banco Inc.	commercial bank	5.88	4.02	2,490	0.06	48,318
53	Citizens State Bank Ashland, Kan.	none	commercial bank	5.72	5.03	317	-0.55	10,456
54	First State Bank Shelton, Neb.	Shelton Enterprises Inc.	commercial bank	5.69	1.12	2,011	9.18	40,175
55	First State Bank Keyes, Okla.	First Keyes Bancshares Inc.	commercial bank	5.62	4.25	1,119	0	37,576
56	United Midwest Savings Bank De Graff, Ohio	MSB Capital Corp.	thrift	5.58	3.51	10,555	0.33	211,726
57	Citizens Building and Loan Association Greer, S.C.	none	thrift	5.57	6.73	4,063	0	90,648
58	United Security Savings Bank FSB Marion, Iowa	United Security Financial Corp.	thrift	5.52	4.03	1,987	1.51	43,248
59	McClave State Bank Colo.	none	commercial bank	5.52	11.98	726	2.13	17,849
60	United Community Bank Oakwood, Ill.	Oakwood Bancorp Inc.	commercial bank	5.52	4.17	1,176	0.04	35,830
61	Bank of Oakfield Wis.	Oakfield Bancorp. Inc.	commercial bank	5.46	2.24	2,114	0.49	54,601
62	Gold Country Bank Marysville, Calif.	Gold Country Financial Services Inc.	commercial bank	5.46	3.46	4,878	0.31	110,757
63	First National Bank of Grand Ridge Ill.	G.R. Bancorp Ltd.	commercial bank	5.37	1.69	744	0	27,053
64	First National Bank in Exeter Neb.	McCabe Investments Inc.	commercial bank	5.28	7.17	884	0.22	25,726
65	First National Bank of Manchester Ky.	First National Financial Corp.	commercial bank	5.26	1.75	4,311	4.94	130,891
66	NorStates Bank Waukegan, Ill.	Northern States Financial Corp.	commercial bank	5.26	9.96	20,027	1.13	711,328
67	EastBank Minneapolis	JAG Financial Inc.	commercial bank	5.24	5.14	683	2.7	23,304
68	Bank of Bennington Neb.	Hilltop Bancshares Inc.	commercial bank	5.24	0.82	2,755	-0.03	62,050
69	Sumter National Bank S.C.	Community Bankshares Inc.	commercial bank	5.23	3.79	5,272	5.57	132,798
70	Commonwealth Co-operative Bank Boston	none	savings bank	5.2	0	1,619	0	42,967
71	Brickyard Bank Lincolnwood, Ill.	Brickyard Bancorp Inc.	commercial bank	5.18	0.01	4,332	-0.67	155,171
72	First Enterprise Bank Oklahoma City, Okla.	none	commercial bank	5.15	5.96	5,324	-0.03	134,360
73	Wilton Bank Conn.	none	commercial bank	5.11	1.61	3,922	-0.01	107,969
74	State Bank of Cokato Minn.	Cokato Bancshares Inc.	commercial bank	5.11	8.89	2,478	-2.12	59,222
75	First National Bank and Trust London, Ky.	First National London Bankshares Corp.	commercial bank	5.03	4.69	8,870	0.78	249,953
76	WebBank Salt Lake City	WebFinancial Corp.	commercial bank	5.03	12.24	341	0.00	7,910
77	First National Bank of Columbia Ky.	Albany Bancorp Inc.	commercial bank	5.02	4.06	5,452	1.1	166,711
78	Jennings State Bank Spring Grove, Minn.	Spring Grove Investments Inc.	commercial bank	4.98	1.93	2,440	0.22	58,824
79	First Bank and Trust of Mississippi Winona	Firstrust Corp.	commercial bank	4.91	6.34	1,794	0.14	66,442
80	Gulf Federal Bank Mobile, Ala.	Gulf Financial Holdings Inc.	thrift	4.82	11.8	577	0	19,100
81	Citizens Bank of Kansas Kingman	King Bancshares Inc.	commercial bank	4.81	6.7	3,841	-0.53	140,076
82	First National Bank of Wamego Kan.	Wamego Bancshares Inc.	commercial bank	4.71	5.2	3,354	-0.01	92,597
83	First National Bank of Lindsay Okla.	First Lindsay Corp.	commercial bank	4.7	4.79	806	8.69	25,759
84	Bank of Monticello Wis.	none	commercial bank	4.65	1.63	2,440	0	68,551
85	Peoples Bank Marion, Ky.	Peoples-Marion Bancorp Inc.	commercial bank	4.64	1.27	527	0.18	21,577
86	Independence Bank East Greenwich, R.I.	none	commercial bank	4.63	0.99	1,267	1.14	46,602
87	Amboy National Bank Old Bridge, N.J.	Amboy Bancorp.	commercial bank	4.6	0.58	100,446	0	2,749,995
88	Bank of Gravett Ark.	Gravett Bancshares Inc.	commercial bank	4.57	4.19	6,062	0.35	231,219
89	First Bank and Trust Co. of Illinois Palatine	Hershenhorn Bancorp. Inc.	commercial bank	4.57	5.92	14,533	0.04	475,947
90	Universal Financial Corp Salt Lake City, Utah	Citigroup Inc.	commercial bank	4.55	2.25	23,269	5.69	508,339
91	First National Bank of Barry Ill.	none	commercial bank	4.5	2.87	3,075	0.69	101,797
92	Citizens State Bank of Cortez Colo.	Citizens Financial Corp.	commercial bank	4.49	5.74	1,968	0.4	79,261
93	Bank of Westminster S.C.	none	commercial bank	4.48	0	720	0.72	31,715
94	American Bank Welsh, La.	Community Bancorp of Louisiana Inc.	commercial bank	4.47	2.04	1,562	0.17	60,175
95	Capital Crossing Bank Boston	none	commercial bank	4.47	3.58	37,892	0.14	1,070,645
96	Fortress Bank Westby, Wis.	Merchants and Manufacturers Bancorp.	commercial bank	4.46	2.25	6,076	1.17	170,905
97	Superior Bank Hazelwood, Mo.	Superior Bancshares Inc.	commercial bank	4.46	0	1,168	0	33,842
98	Farmers State Bank Faith, S.D.	Faith Bank Holding Co.	commercial bank	4.46	2.3	1,260	2.06	39,402
99	First State Bank of Kensington Minn.	Kensington Bancorp. Inc.	commercial bank	4.45	0.33	1,819	-0.1	62,951
100	State Bank of Chilton Wis.	Calumet Bancorp. Inc.	commercial bank	4.42	0.9	6,529	0.7	164,640
101	United Southwest Bank Cottonwood, Minn.	Empire Bancshares Inc.	commercial bank	4.41	1.87	1,013	-0.02	42,235
102	Laona State Bank Wis.	Northern Wisconsin Bank Holding Co.	commercial bank	4.4	4.06	3,055	0.34	107,562
103	Citizens Bank and Trust Rock Port, Mo.	none	commercial bank	4.38	1.71	1,456	0.31	52,508
104	Security First Bank Cheyenne, Wyo.	First State Bancshares Inc.	commercial bank	4.35	0.93	1,913	1.42	61,909
105	Paragon Bank Wells, Minn.	Southern Minnesota Bancshares Inc.	commercial bank	4.32	3.72	1,140	0.81	31,675
106	Pueblo Bank and Trust Co. Colo.	Pueblo Bancorp.	commercial bank	4.31	1.51	12,223	0	350,950
107	North Loup Valley Bank Neb.	Loup Valley Bancshares Inc.	commercial bank	4.31	2.29	412	0	17,080
108	First State Bank of Picher Oklahoma	First Picher Bancshares Inc.	commercial bank	4.29	3.91	177	0.1	5,877
109	1st National Community Bank East Liverpool, Ohio	Tri-State 1st Banc Inc.	commercial bank	4.29	0.97	2,159	0.5	99,179
110	Farmers State Bank of Trimont Minn.	FSB Holding Co. Inc.	commercial bank	4.27	1.08	1,091	1.9	39,938
111	Federation Bank Washington, Iowa	Washington Bancorp	commercial bank	4.27	3.9	3,267	-0.02	103,013
112	Woodruff Federal Savings and Loan Association S.C.	none	thrift	4.24	6.67	2,160	1.57	88,542
113	Bay Financial Savings Bank FSB Tampa, Fla.	none	thrift	4.23	4.56	2,162	0	72,859
114	Clearfield Bank and Trust Co. Pa.	CBT Financial Corp.	commercial bank	4.22	1.54	7,978	0.45	368,785
115	Bank of Lake Village Ark.	Southeast Arkansas Bank Corp.	commercial bank	4.2	9.47	1,778	-0.02	61,881
116	Hicksville Building, Loan and Savings Bank Ohio	none	savings bank	4.18	0.45	2,446	1.07	72,281
117	John O Melby & Co. Bank Whitehall, Wis.	Johnco Bancshares Inc.	commercial bank	4.16	1.89	1,003	0.05	38,937
118	Bank of Houston Mo.	Ozark Bancshares Inc.	commercial bank	4.16	3.55	1,183	2.18	45,445
119	Triad Bank, National Association Tulsa	Triad Bancshares Inc.	commercial bank	4.14	1.21	3,271	-0.01	94,279
120	Bank of Durango Colo.	Ameribanc Holdings	commercial bank	4.12	10.83	934	2.19	29,930
121	Farmers State Bank of Allen Okla.	none	commercial bank	4.11	0.57	1,037	0.09	35,095
122	American Heritage Bank Clovis, N.M.	none	commercial bank	4.11	3.51	1,385	0.32	47,674
123	Peoples Community Bank West Chester, Ohio	Peoples Community Bancorp Inc.	thrift	4.1	3.33	35,647	1.32	1,054,892
124	Corner Stone Bank South West City, Mo.	none	commercial bank	4.09	2.28	3,080	0.21	106,263
125	Bank of Blevins Ark.	First National Security Co.	commercial bank	4.07	1.22	430	0.35	15,663
126	Merchants National Bank of Kittanning Pa.	Merchants Bancorp of Pennsylvania Inc.	commercial bank	4.06	1.22	3,420	0.03	156,425
127	First Federal Savings and Loan Assn. of Martinsville Va.	none	thrift	4.05	3.64	1,013	0	46,726
128	Farmers and Merchants State Bank of Alpha Minn.	none	commercial bank	4.01	5.22	707	-0.02	24,019
129	First State Bank Abernathy, Tex.	none	commercial bank	4.01	5	443	0	21,746
130	First National Bank of Stratton Colo.	Eagle Banks Inc.	commercial bank	4	1.2	1,463	0	49,932
131	First Security Bank and Trust Co. Oklahoma City	none	commercial bank	3.98	0.13	1,603	0.05	49,968
132	Community Bank of Shell Knob Mo.	B.B. Bancshares Inc.	commercial bank	3.93	1.83	378	0.92	14,121
133	Exchange Bank Gibbon, Neb.	Exchange Co.	commercial bank	3.93	7.98	2,579	0.81	109,825
134	Farmers National Bank Phillipsburg, Kan.	none	commercial bank	3.88	1.87	1,706	-0.01	68,388
135	Citizens State Bank of Shakopee Minn.	Shakopee Bancorp. Inc.	commercial bank	3.88	3.82	446	0	23,001
136	Cache Valley Bank Logan, Utah	Cache Valley Banking Co.	commercial bank	3.88	1.81	4,288	0.44	171,796
137	Banner County Bank Inc. Harrisburg, Neb.	Banner County Ban Corp.	commercial bank	3.87	0.98	663	-0.1	27,192
138	Sicily Island State Bank La.	none	commercial bank	3.87	1.92	810	0.18	29,087
139	United Bank of Philadelphia	United Bancshares Inc.	commercial bank	3.86	3.05	1,731	-0.58	73,278
140	Lake Community Bank Long Lake, Minn.	Tysan Corp.	commercial bank	3.85	0.96	5,508	0.11	172,585
141	BankStar Financial Elkton, S.D.	Elkton Holding Co.	commercial bank	3.84	0.66	1,565	-0.02	49,359
142	Fairbank State Bank Iowa	Independence Bancshares Inc.	commercial bank	3.84	3.48	791	0.51	29,246
143	Mount Washington Savings and Loan Cincinnati	none	thrift	3.82	3.37	2,058	0	62,648
144	Denmark State Bank Wis.	Denmark Bancshares Inc.	commercial bank	3.82	2.41	10,389	0.81	359,389
145	North Valley Bank Zanesville, Ohio	North Valley Bancshares Inc.	commercial bank	3.81	1.51	4,267	0.51	141,047
146	Montrose State Bank Mich.	MSB Holding Inc.	commercial bank	3.81	3.11	1,440	-0.01	61,210
147	Bramble Savings Bank Milford, Ohio	none	savings bank	3.79	1.13	1,939	0.27	60,047
148	Lincoln Park Savings Bank Chicago	none	savings bank	3.79	0	6,634	-0.02	260,039
149	Bankhaven Haven, Kan.	Wheatland Investments Inc.	commercial bank	3.78	1.41	821	2.45	32,718
150	Alden State Bank N.Y.	none	commercial bank	3.76	4.38	4,503	0.22	182,413

Notes: Data from preliminary quarterly call reports and thrift financial reports from the FDIC and OTS. Excludes foreign holding companies and institutions whose loans were less than 50% of assets. *Nonperforming loans and leases as percent of gross loans and leases. **January through September chargeoffs, minus recoveries credited to the loan allowance. Divided by average loans and leases.

Source:

<font size="2">SNL Financial</font>

, Charlottesville, Va.