Banks and Thrifts with Highest Nonperformer Ratios (Corrected)
May 02, 2006, 10:08 a.m. EDT 1 Min Read
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Banks and Thrifts with Highest Nonperformer Ratios (Corrected)
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Published May 2, 2006 | ||||||||
Rank | Holding company | Institution type | Ratio* | Year earlier | Nonperformers | Net chargeoffs** | Assets | |
1 | Flower Bank FSB Chicago | Umbrella Bancorp Inc. | thrift | 23.36 | 31.98 | 8,598 | 2.26 | 46,072 |
2 | Eastern Savings Bank FSB Hunt Valley, Md. | none | thrift | 18.34 | 22.84 | 144,744 | 0.17 | 851,028 |
3 | Louisville Community Development Bank Ky. | Louisville Development Bancorp Inc. | commercial bank | 13.52 | 10.09 | 2,046 | 1.32 | 33,903 |
4 | Young Americans Bank Denver | Young Americans Education Foundation | commercial bank | 13.00 | 3.64 | 13 | 0.87 | 14,247 |
5 | Community Bank of Lawndale Chicago | IBC Bancorp Inc. | commercial bank | 12.80 | 17.95 | 2,673 | 0.10 | 38,843 |
6 | First National Bank of New Holland Ohio | Community First Financial Bancorp Inc. | commercial bank | 12.49 | 6.42 | 2,518 | 3.70 | 27,820 |
7 | McClave State Bank Colo. | none | commercial bank | 11.96 | 9.78 | 1,664 | 0.44 | 17,963 |
8 | Borrego Springs Bank La Mesa, Calif. | none | commercial bank | 10.30 | 6.05 | 4,686 | 0.67 | 88,529 |
9 | First State Bank Danville, Va. | none | commercial bank | 9.77 | 3.34 | 2,523 | 2.26 | 36,640 |
10 | Unity National Bank of Houston | none | commercial bank | 9.61 | 2.16 | 3,377 | 2.44 | 55,779 |
11 | Bank of Lake Village Ark. | Southeast Arkansas Bank Corp. | commercial bank | 9.59 | 18.79 | 3,304 | 0.05 | 53,387 |
12 | WebBank Salt Lake City | WebFinancial Corp. | commercial bank | 9.55 | 26.20 | 452 | 7.55 | 6,936 |
13 | Farmers Deposit Bank Eminence, Ky. | Premier Financial Bancorp Inc. | commercial bank | 9.45 | 12.89 | 4,140 | 1.41 | 80,901 |
14 | Progressive-Home Federal Savings and Loan Assn. Pittsburgh | none | thrift | 9.42 | 6.15 | 3,348 | 0.11 | 68,590 |
15 | First National Bank and Trust Co. in Larned Kan. | Pawnee Bancshares Inc. | commercial bank | 9.06 | 4.62 | 2,658 | 0.40 | 55,038 |
16 | Imperial Savings and Loan Association Martinsville, Va. | none | thrift | 9.00 | 5.75 | 473 | 1.49 | 8,832 |
17 | First State Bank of Biggsville Ill. | Herky Hawk Financial Corp. | commercial bank | 8.70 | 9.84 | 668 | -0.04 | 15,990 |
18 | First National Bank of Lindsay Okla. | First Lindsay Corp. | commercial bank | 8.57 | 3.87 | 1,522 | 1.02 | 28,331 |
Forrest City Bank | Forrest City Financial Corp. | commercial bank | 8.57 | 10.44 | 2,189 | 2.18 | 57,288 | |
20 | Pine Island Bank Minn. | Zumbrota Agency Inc. | commercial bank | 8.49 | 9.96 | 2,408 | -0.22 | 49,197 |
21 | Gulf Federal Bank, A Federal Savings Bank Mobile, Ala. | Gulf Financial Holdings Inc. | thrift | 8.41 | 3.70 | 883 | 0.08 | 18,848 |
22 | MyLubbockBank Lubbock, Tex. | Western Bancshares Inc. | commercial bank | 8.36 | 7.51 | 3,163 | 3.42 | 55,469 |
23 | Tri State Bank of Memphis | none | commercial bank | 8.14 | 4.36 | 5,084 | -0.21 | 113,215 |
24 | Home Federal Savings Bank Detroit | none | thrift | 8.11 | 10.32 | 619 | 0.00 | 24,515 |
25 | First National Bank, Henryetta Okla. | First Okmulgee Corp. | commercial bank | 8.07 | 7.42 | 2,933 | 1.67 | 57,502 |
26 | First National Bank of Brewster Minn. | First National Bancorp Inc. | commercial bank | 8.04 | 1.24 | 812 | 0.40 | 23,006 |
27 | NorStates Bank Waukegan, Ill. | Northern States Financial Corp. | commercial bank | 8.00 | 7.58 | 32,057 | 0.18 | 721,561 |
28 | Bank of Commerce and Trust Co. Crowley, La. | none | commercial bank | 7.96 | 8.40 | 6,165 | 0.86 | 264,929 |
29 | Central Illinois Bank Champaign | CIB Marine Bancshares Inc. | commercial bank | 7.75 | 8.22 | 19,678 | -0.12 | 578,840 |
30 | First State Bank of Miami, Texas | Miami Bancshares Inc. | commercial bank | 7.68 | 3.44 | 1,036 | 0.59 | 27,347 |
31 | Heron Lake State Bank Minn. | Heron Lake Bancshares Inc. | commercial bank | 7.64 | 5.61 | 945 | 3.21 | 24,062 |
32 | Butte Community Bank Chico, Calif. | Community Valley Bancorp | commercial bank | 7.32 | 0.02 | 29,907 | 0.00 | 493,368 |
33 | Woodruff Federal Savings and Loan Association Woodruff, S.C. | none | thrift | 7.29 | 1.76 | 3,508 | 0.00 | 94,942 |
34 | Kent County State Bank Jayton, Tex. | Kenco Bancshares Inc. | commercial bank | 7.28 | 1.64 | 1,045 | 2.73 | 27,080 |
35 | Farmers State Bank Faith, S.D. | Faith Bank Holding Co. | commercial bank | 7.27 | 0.00 | 1,921 | 0.89 | 40,202 |
36 | First National Bank in Exeter Neb. | McCabe Investments Inc. | commercial bank | 7.25 | 9.98 | 1,112 | 0.00 | 26,088 |
37 | First National Bank of St. Ignace Mich. | none | commercial bank | 7.12 | 3.57 | 7,403 | 0.71 | 190,523 |
38 | Exchange Bank Gibbon, Neb. | Exchange Co. | commercial bank | 7.11 | 11.89 | 4,356 | 0.57 | 98,661 |
39 | Greater South Texas Bank Falfurrias | none | commercial bank | 7.09 | 7.51 | 1,154 | 0.57 | 26,464 |
40 | First National Bank of Evant Tex. | none | commercial bank | 7.06 | 12.13 | 1,164 | 1.99 | 24,312 |
41 | First State Bank Valliant, Okla. | none | commercial bank | 7.02 | 6.53 | 2,738 | 0.59 | 43,109 |
42 | Traders Bank Spencer, W.Va. | Traders Bankshares Inc. | commercial bank | 6.99 | 9.64 | 4,169 | 6.11 | 106,129 |
43 | State Bank of Cokato Minn. | Cokato Bancshares Inc. | commercial bank | 6.81 | 1.29 | 3,300 | 3.97 | 58,929 |
44 | Beal Bank SSB Plano, Tex. | Beal Financial Corp. | savings bank | 6.71 | 6.39 | 108,090 | 0.59 | 2,200,234 |
45 | Citizens Bank Hickman, Ky. | Citizens Bancorp of Hickman Inc. | commercial bank | 6.69 | 1.37 | 3,720 | 0.93 | 85,736 |
46 | Clifton Heights Savings and Loan Co. Cincinnati | none | thrift | 6.68 | 1.78 | 1,000 | 0.00 | 16,261 |
47 | Bank of Leeton Mo. | Bancorp V Inc. | commercial bank | 6.57 | 0.88 | 497 | 0.83 | 10,339 |
48 | Putnam County National Bank of Carmel N.Y. | none | commercial bank | 6.47 | 7.77 | 7,861 | 2.38 | 158,336 |
19 | Peoples Bank of Talbotton Ga. | none | commercial bank | 6.41 | 3.36 | 459 | 2.04 | 18,794 |
50 | EastBank Minneapolis | Eastbank Corp. | commercial bank | 6.39 | 2.04 | 1,048 | 1.77 | 23,765 |
51 | First Bank and Trust Co. New Orleans | Firstrust Corp. | commercial bank | 6.37 | 0.94 | 32,869 | 0.85 | 623,358 |
Purdum State Bank Neb. | none | commercial bank | 6.37 | 10.60 | 920 | 0.05 | 18,979 | |
53 | CIB Bank Indianapolis | CIB Marine Bancshares Inc. | commercial bank | 6.30 | 7.99 | 2,856 | -0.01 | 93,374 |
54 | Dilley State Bank Tex. | none | commercial bank | 6.26 | 0.60 | 486 | 0.44 | 51,369 |
55 | Owen Community Bank, Savings Bank Spencer, Ind. | Home Financial Bancorp | thrift | 6.22 | 4.90 | 3,851 | 0.53 | 75,636 |
56 | Citizens Bank of Kansas, NA Kingman | King Bancshares Inc. | commercial bank | 6.15 | 6.09 | 5,277 | 1.13 | 150,920 |
57 | Alliant Bank Sedgwick, Kan. | none | commercial bank | 6.12 | 6.09 | 728 | 0.22 | 20,849 |
58 | First Bank Wadley, Ala. | Peoples Independent Bancshares Inc. | commercial bank | 6.03 | 7.18 | 1,675 | 0.36 | 55,855 |
59 | Karnes County National Bank Karnes City, Tex. | none | commercial bank | 5.99 | 1.61 | 1,897 | 0.12 | 59,159 |
60 | First National Bank of Catlin Ill. | Butler Point Inc. | commercial bank | 5.98 | 0.05 | 690 | 0.85 | 42,861 |
61 | United Midwest Savings Bank De Graff, Ohio | MSB Capital Corp. | thrift | 5.90 | 3.24 | 11,754 | 0.25 | 227,925 |
62 | American Bank and Trust Co. Tulsa | none | commercial bank | 5.89 | 0.47 | 4,273 | 0.07 | 140,146 |
63 | De Witt Bank and Trust Co. Ark. | DBT Financial Corp. | commercial bank | 5.88 | 7.44 | 4,046 | 0.56 | 105,690 |
64 | First Credit Bank Los Angeles | none | commercial bank | 5.80 | 2.31 | 15,612 | 0.00 | 321,918 |
65 | First Bank and Trust Co. of Illinois Palatine | Hershenhorn Bancorp. Inc. | commercial bank | 5.73 | 8.62 | 18,225 | 0.41 | 479,871 |
66 | First State Bank and Trust Co. of Caruthersville Mo. | First State Bancorp Inc. | commercial bank | 5.63 | 0.55 | 12,431 | 0.62 | 309,880 |
67 | Clay County State Bank Louisville, Ill. | Clay County State Bancshares Inc. | commercial bank | 5.62 | 6.04 | 2,044 | 0.28 | 62,302 |
68 | First Enterprise Bank Oklahoma City | none | commercial bank | 5.62 | 7.48 | 5,748 | 0.55 | 137,621 |
69 | Home National Bank Racine, Ohio | none | commercial bank | 5.62 | 7.00 | 2,263 | 0.67 | 53,364 |
Virgin Islands Community Bank Christiansted | none | commercial bank | 5.62 | 4.25 | 1,295 | -0.07 | 71,553 | |
71 | Baileyville State Bank Seneca, Kan. | Baileyville Bancshares Inc. | commercial bank | 5.56 | 5.20 | 840 | -0.07 | 24,120 |
72 | National Family Bank Munden, Kan. | Republic Bancorp Inc. | commercial bank | 5.55 | 6.35 | 455 | 0.13 | 16,802 |
73 | Bay Financial Savings Bank FSB Tampa | none | thrift | 5.47 | 4.11 | 3,626 | 0.00 | 82,782 |
74 | Colchester State Bank Ill. | none | commercial bank | 5.40 | 3.42 | 1,136 | 2.77 | 35,017 |
75 | Adams County Building and Loan Co. West Union, Ohio | none | thrift | 5.36 | 4.88 | 824 | 0.00 | 24,400 |
76 | Colorado Mountain Bank Westcliffe | Custer Bancorp. | commercial bank | 5.34 | 6.45 | 3,345 | -0.13 | 73,997 |
77 | Hiawatha National Bank Hager City, Wis. | Hiawatha Bancshares Inc. | commercial bank | 5.32 | 2.56 | 1,610 | 0.07 | 49,301 |
78 | Citizens State Bank Ashland, Kan. | none | commercial bank | 5.26 | 1.45 | 348 | 1.50 | 10,977 |
79 | Citizens State Bank Miles, Tex. | none | commercial bank | 5.25 | 4.06 | 1,145 | 0.97 | 36,840 |
Laura State Bank Williamsfield, Ill. | none | commercial bank | 5.25 | 0.40 | 264 | 0.20 | 10,737 | |
81 | Peachtree National Bank Peachtree City, Ga. | Synovus Financial Corp. | commercial bank | 5.24 | 1.41 | 9,917 | 0.57 | 240,068 |
82 | Bank of Blevins Ark. | First National Security Co. | commercial bank | 5.22 | 2.23 | 511 | 0.26 | 17,726 |
83 | Century Savings and Loan Association Trinidad, Colo. | none | thrift | 5.20 | 6.02 | 2,120 | 0.03 | 84,232 |
84 | First National Bank Mount Pulaski Ill. | First National Financial Corp. | commercial bank | 5.19 | 3.10 | 1,419 | 0.53 | 44,720 |
85 | First National Bank, Graford Tex. | none | commercial bank | 5.09 | 5.07 | 1,043 | 1.68 | 42,004 |
86 | First National Bank of Wamego Kan. | Wamego Bancshares Inc. | commercial bank | 5.08 | 5.83 | 3,041 | 0.21 | 85,544 |
87 | First State Bank Abernathy, Tex. | none | commercial bank | 5.07 | 7.17 | 470 | -0.52 | 21,078 |
88 | Blue Ridge Bank and Trust Co. Independence, Mo. | Blue Ridge Bancshares Inc. | commercial bank | 5.06 | 4.81 | 16,511 | 0.56 | 467,828 |
89 | Bank of Weston Mo. | Wilson Bancshares Inc. | commercial bank | 5.03 | 3.43 | 2,032 | 1.74 | 76,794 |
90 | Guaranty Savings and Homestead Association Metairie, La. | GS Financial Corp. | thrift | 5.00 | 0.78 | 3,582 | 0.00 | 176,144 |
91 | Bank of Gueydan La. | Gueydan Bancshares Inc. | commercial bank | 4.96 | 1.17 | 824 | 0.36 | 82,137 |
Continental National Bank of Harlowton Mont. | none | commercial bank | 4.96 | 4.18 | 1,083 | 0.62 | 42,594 | |
First National Bank of America East Lansing, Mich. | First National Bancshares Inc. | commercial bank | 4.96 | 3.94 | 13,321 | 0.52 | 309,055 | |
Sumter National Bank S.C. | Community Bankshares Inc. | commercial bank | 4.96 | 1.43 | 6,015 | 1.41 | 140,672 | |
95 | Elkhart State Bank Tex. | Elkhart Bancorp. Inc. | commercial bank | 4.95 | 2.13 | 558 | 4.23 | 37,060 |
96 | Exchange Bank Mound City, Mo. | Exchange Holding Co. | commercial bank | 4.94 | 5.81 | 407 | -0.01 | 19,884 |
97 | American National Bank Parma, Ohio | American National Bancorp | commercial bank | 4.90 | 3.57 | 1,351 | 0.37 | 33,246 |
Citizens Community Bank Decatur Ill. | none | commercial bank | 4.90 | 5.25 | 406 | 0.79 | 13,397 | |
First National Bank and Trust London, Ky. | First National London Bankshares Corp. | commercial bank | 4.90 | 0.81 | 8,970 | 0.69 | 250,400 | |
100 | Falfurrias State Bank Tex. | Mesquite Financial Services Inc. | commercial bank | 4.86 | 0.21 | 582 | 0.34 | 16,124 |
First National Bank of Washington Kan. | Washington 1st Banco Inc. | commercial bank | 4.86 | 4.76 | 863 | 0.11 | 52,308 | |
102 | Public Savings Bank Willow Grove, Pa. | Public Finance Service Inc. | savings bank | 4.85 | 3.41 | 1,158 | 0.05 | 27,135 |
103 | Crescent Bank and Trust New Orleans | CBank and Trust Holding Corp. | commercial bank | 4.83 | 1.13 | 14,753 | 4.44 | 330,240 |
First National Bank of Linden Tex. | Linden Bancshares Inc. | commercial bank | 4.83 | 4.27 | 937 | 0.38 | 55,242 | |
Prairie State Bank Augusta, Kan. | Prairie Capital Inc. | commercial bank | 4.83 | 1.04 | 8,150 | 1.18 | 289,196 | |
106 | Mutual Savings Bank Hartsville, S.C. | none | thrift | 4.80 | 3.31 | 1,795 | 0.42 | 52,978 |
107 | Columbia Savings and Loan Association Milwaukee | none | thrift | 4.78 | 4.39 | 805 | 0.00 | 19,205 |
108 | American Exchange Bank Elmwood, Neb. | American Exchange Co. | commercial bank | 4.75 | 4.89 | 966 | 0.49 | 32,648 |
Robert Lee State Bank Tex. | Robert Lee Bancshares Inc. | commercial bank | 4.75 | 0.45 | 945 | 0.97 | 36,764 | |
110 | Farmers State Bank Maywood, Neb. | Unibanc Corp. | commercial bank | 4.74 | 4.75 | 1,791 | 0.45 | 58,517 |
Farmers State Bank Schell City, Mo. | Farmers Financial Corp. | commercial bank | 4.74 | 0.20 | 2,077 | 0.13 | 67,630 | |
112 | First National Bank of Goliad Tex. | American Bank Holding Corp. | commercial bank | 4.71 | 6.43 | 1,131 | 1.28 | 44,584 |
113 | Belmont Savings Bank Bellaire, Ohio | none | savings bank | 4.69 | 4.48 | 2,600 | 0.72 | 276,644 |
Watonga State Bank Okla. | Watonga Bancshares Inc. | commercial bank | 4.69 | 5.66 | 1,183 | 0.13 | 67,605 | |
115 | First Integrity Bank Staples, Minn. | First Integrity Bancorp. | commercial bank | 4.68 | 3.81 | 1,782 | -0.19 | 52,715 |
First National Bank of Bellevue Ohio | First Bancshares Inc. | commercial bank | 4.68 | 0.96 | 3,523 | 0.04 | 95,324 | |
117 | American Savings Inc. Farmington, Minn. | Waseca Bancshares Inc. | commercial bank | 4.66 | 3.18 | 592 | 0.06 | 21,779 |
Capital Savings Bank El Paso | CFS Financial Corp. | savings bank | 4.66 | 4.81 | 1,823 | 0.27 | 56,739 | |
First State Bank Crossett, Ark. | Evergreen Bancshares Inc. | commercial bank | 4.66 | 3.34 | 825 | 1.95 | 27,067 | |
120 | Bank of Gravett Ark. | Gravett Bancshares Inc. | commercial bank | 4.65 | 2.27 | 6,712 | 0.30 | 246,441 |
121 | Farmers Deposit Bank Middleburg, Ky. | Middleburg Bancorp Inc. | commercial bank | 4.63 | 4.10 | 910 | 0.73 | 40,789 |
122 | Citizens Bank and Trust Co. of Chicago | Citizens Financial Corp. | commercial bank | 4.62 | 0.01 | 2,487 | 0.05 | 77,254 |
123 | Merchants and Farmers Bank Holly Springs, Miss. | M and F Bancorp Inc. | commercial bank | 4.56 | 5.03 | 1,600 | 0.43 | 60,475 |
White Hall Bank Ill. | Lima Bancshares Inc. | commercial bank | 4.56 | 5.28 | 1,449 | 0.65 | 43,644 | |
125 | Eudora Bank Ark. | Delta Bancshares of Louisiana Inc. | commercial bank | 4.55 | 0.16 | 659 | -0.01 | 30,792 |
126 | State Bank of Downs Kan. | B Bank Inc. | commercial bank | 4.55 | 0.00 | 2,123 | 0.16 | 53,298 |
127 | Peoples State Bank Winfield, Iowa | Peoples Holding Corp. | commercial bank | 4.52 | 0.12 | 474 | 0.05 | 22,720 |
128 | Orlando National Bank Longwood, Fla. | Liberty Bancorp. | commercial bank | 4.51 | 3.36 | 2,918 | -0.03 | 113,700 |
129 | Bank of Durango Colo. | Ameribanc Holdings | commercial bank | 4.50 | 8.91 | 1,148 | 3.04 | 34,377 |
First National Bank Orange Park, Fla. | Ameris Bancorp | commercial bank | 4.50 | 0.00 | 3,934 | 0.91 | 118,008 | |
131 | Elysian Bank Minn. | Elysian Inc. | commercial bank | 4.49 | 3.32 | 963 | 0.53 | 33,567 |
132 | Bank of Greensburg La. | none | commercial bank | 4.46 | 2.80 | 1,771 | 1.50 | 69,684 |
Bank of Okolona Miss. | Bancorp of Okolona | commercial bank | 4.46 | 4.69 | 1,732 | 0.68 | 57,744 | |
Farmers and Merchants Bank Duke, Okla. | none | commercial bank | 4.46 | 4.13 | 192 | 0.42 | 12,137 | |
135 | interState Net Bank Cherry Hill, N.J. | none | commercial bank | 4.44 | 0.69 | 9,280 | 0.41 | 252,368 |
136 | Park Bank Holmen, Wis. | none | commercial bank | 4.43 | 5.95 | 1,556 | 0.63 | 44,709 |
137 | Community Bank of Shelby County Cowden, Ill. | Cowden Bancorp Inc. | commercial bank | 4.41 | 3.64 | 848 | 0.58 | 52,686 |
138 | First National Bank of Saint Marys W.Va. | First National Bancorp Inc. | commercial bank | 4.38 | 7.92 | 1,051 | 1.81 | 33,392 |
139 | First Federal Savings Bank Huntington, Ind. | Northeast Indiana Bancorp Inc. | thrift | 4.36 | 0.98 | 7,711 | 0.22 | 232,523 |
140 | Heritage Bank of Ashland Ky. | Independent Community Bancorp Inc. | commercial bank | 4.35 | 4.87 | 2,477 | 3.02 | 82,569 |
Universal Financial Corp. Salt Lake City | Citigroup Inc. | commercial bank | 4.35 | 2.39 | 24,830 | 7.05 | 569,889 | |
142 | First Guaranty Bank Hammond, La. | none | commercial bank | 4.31 | 0.78 | 21,211 | 0.82 | 713,760 |
143 | Bank of Greeneville Tenn. | BG Financial Group Inc. | commercial bank | 4.29 | 1.76 | 2,783 | 0.51 | 87,758 |
Capital Crossing Bank Boston | none | commercial bank | 4.29 | 3.69 | 36,360 | 0.32 | 1,106,158 | |
Mount Washington Savings and Loan Co. Cincinnati | none | thrift | 4.29 | 2.94 | 2,127 | 0.00 | 59,153 | |
146 | First National Bank of Buhl Minn. | Timberland Bancorp | commercial bank | 4.28 | 1.74 | 549 | 5.73 | 17,752 |
147 | Merchants and Farmers Bank Melville, La. | none | commercial bank | 4.27 | 5.21 | 105 | 1.48 | 7,670 |
United Southwest Bank Cottonwood, Minn. | Empire Bancshares Inc. | commercial bank | 4.27 | 2.01 | 1,039 | -0.29 | 43,455 | |
149 | Brotherhood Bank and Trust Co. Kansas City, Kan. | International Brotherhood of Boilermakers | commercial bank | 4.25 | 6.20 | 7,871 | 0.22 | 464,575 |
Equitable Savings and Loan Co. Cadiz, Ohio | none | thrift | 4.25 | 0.35 | 120 | 0.00 | 12,845 |
Correction: An earlier version of this table should not have included Hilltop National Bank, which was listed as No. 1, at 23.87%, because of a call-report error. (Its actual ratio was 0.15%.)
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: SNL Financial, Charlottesville, Va. (www.snl.com)
© 2006 American Banker