Banks and Thrifts with Highest Nonperformer Ratios (Corrected)

Published January 26, 2006, 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 (Corrected)

Banks and Thrifts with Highest Nonperformer Ratios (Corrected)
On Sept. 30, 2005. Dollars in thousands Published January 26, 2006
		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Security State Bank Ansley, Neb.	Mackey Banco Inc., Ansley, Neb.	commercial bank	66.10%	0.27%	$7,227	0.11%	$14,328
2	Flower Bank FSB Chicago	Umbrella Bancorp Inc., Summit, Ill.	thrift	22.83	47.27	9,403	2.31	58,414
3	First Bank of Linden Ala.	First Linden Bancshares Inc., Ala.	commercial bank	18.77	1.98	13,198	0.38	102,040
4	Eastern Savings Bank FSB Hunt Valley, Md.	none	thrift	18.63	27.1	134,003	0.22	778,802
5	First National Bank New Holland, Ohio	Community First Financial Bancorp Inc., New Holland, Ohio	commercial bank	14.06	7.68	3,224	1.56	29,296
6	Asia-Europe-Americas Bank Seattle	AEA Bancshares Inc., Seattle	commercial bank	13.95	7.61	6,565	3.42	92,818
7	WebBank Salt Lake City	WebFinancial Corp., NewYork	commercial bank	12.23	15.8	451	10.01	5,608
8	McClave State Bank Colo.	none	commercial bank	11.98	12.27	1,620	-0.31	17,964
9	Gulf Federal Bank, A Federal Savings Bank Mobile, Ala.	Gulf Financial Holdings Inc., Mobile, Ala.	thrift	11.8	5.28	1,207	0.22	19,750
10	Putnam County National Bank of Carmel N.Y.	none	commercial bank	10.96	7.28	13,946	-0.76	179,667
11	Bank of Durango Colo.	Ameribanc Holdings, Durango, Colo.	commercial bank	10.83	1.42	2,695	3.59	37,005
12	First National Bank of Buhl Minn.	Timberland Bancorp, Baxter, Minn.	commercial bank	10.57	1.38	1,342	7.85	17,635
13	MyLubbockBank Tex.	Western Bancshares Inc., Coahoma, Tex.	commercial bank	10.12	6.2	3,569	4.6	52,870
14	Bank of Waukegan Ill.	Northern States Financial Corp., Waukegan, Ill.	commercial bank	9.96	5.61	33,251	0.25	624,472
15	Pine Island Bank Minn.	Zumbrota Agency Inc., Zumbrota, Minn.	commercial bank	9.78	9.23	2,639	-0.3	48,219
16	Bank of Lake Village Ark.	Southeast Arkansas Bank Corp., Lake Village, Ark.	commercial bank	9.46	16.95	3,842	0.1	60,378
17	First National Bank of Evant Tex.	none	commercial bank	9.23	10.48	1,329	1.54	23,009
18	State Bank of Cokato Minn.	Cokato Bancshares Inc., Minn.	commercial bank	8.89	0	4,107	3.39	58,939
19	Traders Bank Spencer, W.Va.	Traders Bankshares Inc., Spencer, W.Va.	commercial bank	8.68	12.2	5,585	3.29	102,673
20	San Jose Tri-County Bank Ill.	American Heritage Banco Inc., Fremont, Ind.	commercial bank	8.66	2.51	368	1.12	5,877
21	First Integrity Bank Staples, Minn.	First Integrity Bancorp., Staples, Minn.	commercial bank	8.62	8.96	3,318	-1.47	54,666
22	Tri State Bank of Memphis	none	commercial bank	8.52	5.52	5,369	-0.22	116,499
23	Greater South Texas Bank Falfurrias	none	commercial bank	8.06	11.04	1,249	0.76	26,012
24	Clifton Heights Savings and Loan Co. Cincinnati	none	thrift	8.04	3.41	1,148	0	15,590
25	Exchange Bank Gibbon, Neb.	Exchange Co., Gibbon, Neb.	commercial bank	7.97	17.69	5,152	0.38	100,119
26	Progressive-Home Federal Savings & Loan Assn. Pittsburgh	none	thrift	7.95	6.81	2,985	0.08	70,231
27	Colchester State Bank Colchester, Ill.	none	commercial bank	7.92	4.22	1,716	1.08	34,121
28	Farmers Deposit Bank Eminence, Ky.	Premier Financial Bancorp Inc., Huntington, W.Va.	commercial bank	7.75	13.26	3,483	2.14	82,365
29	Blue Ridge Bank and Trust Co. Independence, Mo.	Blue Ridge Bancshares Inc., Independence, Mo.	commercial bank	7.5	3.2	25,058	0.23	470,780
30	Metrobank Farmington Hills, Mich.	Citizens First Bancorp Inc., Port Huron, Mich.	thrift	7.49	3.79	9,902	0.01	181,828
31	First State Bank Valliant, Okla.	none	commercial bank	7.47	6.89	2,827	0.2	42,097
32	First State Bank Danville, Va.	none	commercial bank	7.33	4.49	2,023	1.87	40,000
33	National Bank of North East North East, Pa.	North East Bancshares Inc., Penn.	commercial bank	7.3	6.59	3,645	0.21	66,571
34	First National Bank Graford, Tex.	none	commercial bank	7.23	4.25	1,551	1.73	41,304
35	First National Bank of St. Ignace Mich.	none	commercial bank	7.22	4.34	7,600	0.86	200,660
36	First National Bank in Exeter Neb.	McCabe Investments Inc., Exeter, Neb.	commercial bank	7.17	11.12	1,134	0	26,142
37	Citizens Building and Loan Association Greer, S.C.	none	thrift	6.72	4.31	4,504	0	92,677
38	Citizens Bank of Kansas Kingman	King Bancshares Inc., Kingman, Kan.	commercial bank	6.7	5.09	5,873	1.04	146,113
39	Interamerica Bank Albuquerque	Fremont Bank Corp., Canon City, Colo.	commercial bank	6.62	4.84	1,233	0.47	30,169
40	Bank of Leeton Mo.	Bancorp V Inc., Stilwell, Kan.	commercial bank	6.61	3.35	427	1.13	9,032
41	Beal Bank SSB Plano, Tex.	Beal Financial Corp. Tex.	thrift	6.49	9.83	106,025	0.55	2,253,244
42	American Bank and Trust Co. Tulsa	none	commercial bank	6.48	0.61	4,344	0.1	132,646
43	Purdum State Bank Neb.	none	commercial bank	6.43	12.87	988	0.3	18,725
44	Unity National Bank of Houston	none	commercial bank	6.37	3.68	2,456	1.36	51,397
45	DeWitt Bank and Trust Co. Ark.	DBT Financial Corp., Dewitt, Ark.	commercial bank	6.34	8.79	4,696	-0.07	105,806
46	First Bank and Trust of Mississippi Winona	Firstrust Corp., New Orleans	commercial bank	6.33	NA	1,947	NA	38,043
47	First National Bank Henryetta Okla.	First Okmulgee Corp., Okla.	commercial bank	6.25	6.29	2,405	1.4	58,918
48	First Independent Bank Vancouver, Wash.	First Independent Investment Group Inc., Vancouver, Wash.	commercial bank	6.11	2.88	30,131	0.02	820,639
49	First National Bank of Saint Marys W.Va.	First National Bancorp Inc., Saint Marys, W.Va.	commercial bank	6.06	8.11	1,542	2.19	34,582
50	Century National Bank of Oklahoma Pryor	CNBO Bancorp Inc., Pryor, Okla.	commercial bank	6.03	0.66	817	0.53	20,287
51	First Enterprise Bank Oklahoma City	none	commercial bank	5.96	10.03	5,845	0.71	136,714
52	First Bank and Trust Co. of Illinois Palatine	Hershenhorn Bancorp. Inc., Palatine, Ill.	commercial bank	5.91	20.49	20,490	1.04	477,553
53	First Credit Bank Los Angeles	none	commercial bank	5.87	2.14	15,612	0	322,625
54	First State Bank of Miami Texas	Miami Bancshares Inc., Tex.	commercial bank	5.83	1.47	825	0.87	26,143
55	Owen Community Bank Savings Bank Spencer, Ind.	Home Financial Bancorp, Spencer, Ind.	thrift	5.76	6.12	3,359	0.44	70,650
56	Citizens State Bank of Cortez Colo.	Cortez Investment Co., Colo.	commercial bank	5.74	2.17	2,723	0.39	79,073
57	Bank of Jefferson S.C.	none	commercial bank	5.68	1.81	438	1.6	15,344
58	Kent County State Bank Jayton, Tex.	Kenco Bancshares Inc., Jayton, Tex.	commercial bank	5.67	4.24	883	3.38	26,591
59	Adams County Building and Loan Co. West Union, Ohio	none	thrift	5.65	5.62	891	0	24,525
60	White Hall Bank Ill.	Lima Bancshares Inc., Lima, Ill.	commercial bank	5.64	3.89	1,710	0.38	43,194
61	Enterprise Bank Allison Park, Pa.	Seed Money Limited Partnership, Allison Park, Penn.	commercial bank	5.53	3.98	5,386	0.46	124,450
62	American National Bank Parma, Ohio	American National Bancorp, Parma, Ohio	commercial bank	5.51	3.4	1,408	0.55	30,338
63	Clay County State Bank Louisville, Ill.	none	commercial bank	5.49	6.08	2,024	0.2	60,363
64	Bank of Anguilla Miss.	none	commercial bank	5.48	9.42	3,403	2.34	92,519
65	Citizens Bank Hickman, Ky.	Citizens Bancorp of Hickman Inc., Ky.	commercial bank	5.37	2.11	3,117	1.23	84,035
66	Lake Area National Bank Trinity, Tex.	none	commercial bank	5.34	0.49	630	0.43	20,316
67	OmniBank Houston	Bancshares Inc., Houston	commercial bank	5.33	5.02	14,398	0.44	325,607
68	First National Bank of America East Lansing, Mich.	First National Bancshares Inc., East Lansing, Mich.	commercial bank	5.33	3.85	14,385	0.48	309,966
69	Home National Bank Racine, Ohio	none	commercial bank	5.29	8.24	2,055	0.9	54,013
70	Citizens State Bank Miles, Tex.	none	commercial bank	5.22	2.84	1,164	1.3	35,341
71	Farmers and Merchants State Bank of Alpha Minn.	none	commercial bank	5.22	1.88	813	0.21	24,977
72	First National Bank of Wamego Kan.	Wamego Bancshares Inc., Kan.	commercial bank	5.2	9.33	3,143	0.31	84,363
73	EastBank Minneapolis	Eastbank Corp., Minneapolis	commercial bank	5.14	0.64	866	2.63	25,948
74	First State Bank of Pond Creek Okla.	none	commercial bank	5.11	1.11	1,285	1.84	29,865
75	Bank of Weston Mo.	Wilson Bancshares Inc., Weston, Mo.	commercial bank	5.1	4.3	2,119	2.11	72,769
76	Colorado Mountain Bank Westcliffe	Custer Bancorp., Westcliffe, Colo.	commercial bank	5.09%	7.12%	$3,167	-0.21%	$75,976
77	American Savings Inc. Farmington, Minn.	Waseca Bancshares Inc., Minn.	commercial bank	5.06	0.41	657	-0.16	22,684
78	Citizens State Bank Ashland, Kan.	none	commercial bank	5.02	1.11	371	1.68	11,287
79	New Richmond National Bank Ohio	New Richmond Bancorp., Ohio	commercial bank	5	4.57	3,005	0.47	73,538
80	Standard Bank FSB Monterey Park, Calif.	none	thrift	4.91	0.79	26,084	0	914,040
81	Farmers State Bank Schell City, Mo.	Farmers Financial Corp., Bolivar, Mo.	commercial bank	4.81	0.21	2,120	0.11	58,742
82	Farmers Bank and Trust Co. Blytheville, Ark.	Farmers Bancorp Inc., Blytheville, Ark.	commercial bank	4.81	3.92	7,587	0.25	222,765
83	First National Bank of Lindsay Okla.	First Lindsay Corp., Okla.	commercial bank	4.78	5.79	814	0.15	28,149
84	Continental National Bank of Harlowton Mont.	none	commercial bank	4.76	3.01	1,195	0.67	39,196
85	Community Bank of Trenton Ill.	none	commercial bank	4.75	5.44	1,909	0.1	57,024
86	Lawrence Bank Kan.	First Bancshares Inc., Kansas City, Kan.	commercial bank	4.74	1.47	1,479	0.13	34,522
87	Hiawatha National Bank Hager City, Wis.	Hiawatha Bancshares Inc., Hager City, Wis.	commercial bank	4.74	3.3	1,390	0.06	49,137
88	Merchants and Farmers Bank Holly Springs, Miss.	M and F Bancorp Inc., Holly Springs, Miss.	commercial bank	4.7	5.12	1,693	0.25	61,094
89	First National Bank and Trust London, Ky.	First National London Bankshares Corp., London, Ky.	commercial bank	4.68	1.2	8,519	0.58	248,681
90	Baileyville State Bank Seneca, Kan.	Baileyville Bancshares Inc., Seneca, Kan.	commercial bank	4.66	6.09	707	-0.09	24,258
91	American Exchange Bank Elmwood, Neb.	American Exchange Co., Elmwood, Neb.	commercial bank	4.64	3.86	980	0.68	31,822
92	Farmers State Bank Maywood, Neb.	Unibanc Corp., Maywood, Neb.	commercial bank	4.63	5.11	1,736	0.42	56,188
93	Heritage Bank of Ashland Inc. Ky.	Heritage Capital Corp., Ashland, Ky.	commercial bank	4.61	4.9	2,676	2.75	83,156
94	Premier Bank Denver	PB Financial Group Inc., Denver, Ky.	commercial bank	4.59	5.18	3,719	0.2	115,116
95	Bank of Greensburg La.	none	commercial bank	4.58	4.74	1,790	1.58	65,007
96	Bay Financial Savings Bank FSB Tampa	none	thrift	4.55	4.34	3,320	0	91,949
97	Columbia Savings and Loan Association Milwaukee	none	thrift	4.53	6.19	764	0	19,839
98	Farmers Security Bank Washburn, N.D.	McLean Bank Holding Co., Garrison, N.D.	commercial bank	4.5	5.17	679	1.94	25,884
99	Rolette State Bank N.D.	none	commercial bank	4.48	0.86	761	1.04	29,148
100	Citizens Bank and Trust Co. of Chicago	Citizens Financial Corp., Chicago	commercial bank	4.43	0	2,492	0	71,338
101	Citizens Community Bank Decatur, Ill.	none	commercial bank	4.42	9.85	391	1.09	13,798
102	Alden State Bank N.Y.	none	commercial bank	4.37	3.99	4,951	1.04	180,633
103	First National Bank of Goliad Tex.	American Bank Holding Corp., Corpus Christi, Tex.	commercial bank	4.34	7.66	1,119	1.15	43,901
104	Imperial Savings and Loan Association Martinsville, Va.	none	thrift	4.29	4.57	229	0	9,228
105	First Capital Bank Guthrie, Okla.	FCB Holdings Inc., Guthrie, Okla.	commercial bank	4.25	6.22	3,266	0.27	89,466
106	First State Bank Keyes, Okla.	First Keyes Bancshares Inc., Okla.	commercial bank	4.24	6.86	925	0.15	40,198
107	Southwestern Bank Oklahoma City, Okla.	Southwestern Bancshares Inc., Oklahoma City	commercial bank	4.22	3.43	3,860	0.36	126,677
108	State Bank of Scotia Neb.	none	commercial bank	4.21	4.94	552	0.98	23,056
109	Bank of Gravett Ark.	Gravett Bancshares Inc., Ark.	commercial bank	4.19	3.07	6,028	0.26	243,698
110	Pikes Peak National Bank Colorado Springs	Pikes Peak National Co., Colorado Springs	commercial bank	4.17	1.38	1,806	0.39	86,348
111	United Community Bank Oakwood, Ill.	Oakwood Bancorp Inc., Springfield, Ill.	commercial bank	4.17	4.87	963	0.77	38,374
112	First National Bank Saint Marys, Ga.	First National Banc Inc., Saint Marys, Ga.	commercial bank	4.16	1.28	4,825	2.48	171,800
113	Crestmark Bank Troy, Mich.	Crestmark Bancorp Inc., Troy, Mich.	commercial bank	4.1	1.8	5,153	1.66	141,939
114	Capital Savings Bank, SSB El Paso	CFS Financial Corp., El Paso	thrift	4.09	4.26	1,518	0.11	54,012
115	Peachtree National Bank Peachtree City, Ga.	Synovus Financial Corp., Columbus, Ga.	commercial bank	4.08	2.92	7,979	0.56	249,086
116	First National Bank Mount Pulaski Ill.	First National Financial Corp., Mount Pulaski, Ill.	commercial bank	4.07	4.46	1,154	0.36	46,778
117	First National Bank of Columbia Ky.	Albany Bancorp Inc., Ky.	commercial bank	4.06	3.77	4,730	2.26	187,657
118	Laona State Bank Wis.	Northern Wisconsin Bank Holding Co. Inc., Laona	commercial bank	4.06	2.97	2,650	0.14	108,603
119	Carlinville National Bank Ill.	Carlinville National Bank Shares Inc., Ill.	commercial bank	4.04	2.72	4,794	0.62	171,177
120	Citicorp Trust Bank Wilmington, Del.	Citigroup Inc., New York	thrift	4.03	2.24	1,324,859	0.47	33,741,842
121	Bank of St. Edward Neb.	St. Edward Management Co., Neb.	commercial bank	4.03	0	711	-0.9	33,298
122	United Security Savings Bank FSB Marion, Iowa	United Security Financial Corp., Cedar Rapids, Iowa.	thrift	4.02	3.7	1,462	0.12	45,383
123	First State Bank of Northwest Arkansas Huntsville	Mathias Bancshares Inc., Springdale, Ark.	commercial bank	4.02	5.63	1,973	0.24	67,072
124	Citizens State Bank Okemah, Okla.	Citizens Bankshares Inc., Okemah, Okla.	commercial bank	4.02	4.52	759	0.44	29,773
125	State Bank of McGregor Minn.	McGregor Banco Inc., Minn.	commercial bank	4.02	4.01	1,600	-0.04	45,836
126	First Federal Savings Bank Huntington, Ind.	Northeast Indiana Bancorp Inc., Huntington	thrift	4.02	0.96	7,043	0.28	231,845
127	First Citizens Bank New Washington, Ohio	First Citizens Banc Corp., Sandusky, Ohio	commercial bank	4	1.14	7,724	-0.3	284,464
128	First National Bank of Fremont Ind.	American Heritage Banco Inc., Fremont, Ind.	commercial bank	3.99	1.51	2,831	0.83	102,030
129	Heron Lake State Bank Minn.	Heron Lake Bancshares Inc., Minn.	commercial bank	3.99	7.12	510	4.04	24,019
130	Peoples Bank Lyons, Ga.	South Georgia Bankshares Corp., Lyons	commercial bank	3.98	3.61	1,746	0	62,039
131	Kinderhook State Bank Ill.	none	commercial bank	3.97	6.88	553	-0.15	23,896
132	Reelfoot Bank Union City, Tenn.	Reelfoot Bancshares Inc., Union City, Tenn.	commercial bank	3.96	1.9	3,917	0.26	138,777
133	Elysian Bank Minn.	Elysian Inc., Minn.	commercial bank	3.92	3.58	882	0.04	33,822
134	First State Bank Picher, Okla.	First Picher Bancshares Inc., Okla.	commercial bank	3.9	1.26	155	0.1	6,150
135	BankPacific Ltd. Hagatna, Guam	Trust of Joseph and Angela Flores, Agana, Guam	thrift	3.9	8.59	2,562	0	80,213
136	Federation Bank Washington, Iowa	Washington Bancorp, Washington, Iowa	commercial bank	3.89	4.08	2,860	0.2	105,742
137	Bank of Greeneville Tenn.	BG Financial Group Inc., Greeneville, Tenn.	commercial bank	3.87	2.3	2,649	0.61	84,810
138	Delta Trust and Bank Parkdale, Ark.	Delta Trust and Banking Corp., Little Rock	commercial bank	3.86	6.33	6,212	1.32	204,214
139	Mutual Savings Bank Hartsville,S.C.	none	thrift	3.85	2.54	1,394	0.56	52,945
140	Citizens State Bank of Shakopee Minn.	Shakopee Bancorp. Inc., Minn.	commercial bank	3.81	0	487	0	23,622
141	Central National Bank Lynchburg, Va.	none	commercial bank	3.79	3.12	2,554	0.22	120,566
142	Sumter National Bank S.C.	Community Bankshares Inc., Orangeburg, S.C.	commercial bank	3.78	1.74	4,645	0.99	141,874
143	Bank of Ridgeway S.C.	Community Bankshares Inc., Orangeburg, S.C.	commercial bank	3.78	0.59	2,399	0.02	98,427
144	McClain Bank Purcell, Okla.	McClain County Bancorp. Inc., Purcell, Okla.	commercial bank	3.77	3.27	3,587	0.34	140,054
145	Scotiabank de Puerto Rico Hato Rey	Bank of Nova Scotia, Toronto	commercial bank	3.76	4.92	46,079	-0.12	1,283,926
146	First Bank Sterling, Kan.	Coronado Inc., Sterling, Kan.	commercial bank	3.75	4.63	1,434	-0.04	72,997
147	Delta Bank Cooper, Tex.	Cooper Lake Financial Corp., Tex.	commercial bank	3.74	7.35	352	0.07	18,315
148	Park Federal Savings Bank Chicago	Park Bancorp Inc., Chicago	thrift	3.73	0.99	6,060	0	246,933
149	Paragon Bank Wells, Minn.	Southern Minnesota Bancshares Inc., Wells	commercial bank	3.72	1.75	1,019	0.9	31,928
150	First State Bank, Hordville, Neb.	Firstand Company, Hordville, Neb.	commercial bank	3.71	0.83	569	0.34	24,414

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 September chargeoffs, minus recoveries credited to the loan allowance. Divided by average loans and leases.
Source: SNL Financial, Charlottesville, Va. (