© 2026 Arizent. All rights reserved.
Market Intelligence:
AI
Payments
All Research
Industry Data
Banks, thrifts and holding companies

Banks and Thrifts with Highest Nonperformer Ratios (Corrected)

Published March 18, 2008, 10:08 a.m. EDT
|
Updated January 02, 1970, 9:08 a.m. EST
1 Min Read
View Table
Printer Friendly Version
Banks and Thrifts with Highest Nonperformer Ratios (Corrected)

Banks and Thrifts with Highest Nonperformer Ratios (Corrected)On Sept. 30, 2007. Dollars in thousands
Published March 18, 2008
Rank Holding company Institution type Ratio* Year earlier Nonperformers Net chargeoffs** Assets
1 South Central State Bank Campbell, Neb. Campbell State Co. commercial bank 50.52 0.47 30,776 2.59 80,027
2 Eastern Savings Bank Hunt Valley, Md. none thrift 31.29 20.20 301,089 0.29 1,033,965
3 Ameribank Welch, W.Va. JMS Investors thrift 23.85 0.32 32,196 0.57 143,747
4 Commercial Bank Bassett, Neb. Bassett Investment Co. commercial bank 21.59 0.04 8,472 9.78 57,944
5 Farmers Exchange Bank Cherokee, Okla. Farmers Exchange Bancorp. Inc. commercial bank 18.89 1.50 13,792 1.23 105,456
6 BankFirst Sioux Falls, S.D. Marshall Bankfirst Corp. commercial bank 18.64 3.24 67,955 1.46 503,608
7 Pinnacle Bank of Oregon Beaverton none commercial bank 17.95 3.24 12,572 10.97 76,130
8 HomeTown Bank of Villa Rica Ga. GBank and Trust Bancshares Inc. commercial bank 17.26 1.86 31,316 3.40 246,593
9 Douglass National Bank Kansas City, Mo. Liberty Financial Services Inc. commercial bank 16.96 10.60 5,608 1.59 58,515
10 Community Bank of Lawndale Chicago IBC Bancorp Inc. commercial bank 14.02 13.73 2,654 -0.15 34,955
11 Coast Bank of Florida Bradenton First Banks Inc. commercial bank 13.46 0.15 76,018 0.97 664,445
12 First Florida Bank Naples Synovus Financial Corp. commercial bank 12.69 1.00 40,367 20.24 403,850
13 Ebank Atlanta ebank Financial Services Inc. thrift 12.21 3.32 13,300 0.28 146,003
14 Horizon Bank Oskaloosa, Iowa Horizon Financial Services Corp. thrift 12.09 1.51 12,258 0.44 112,330
15 Alliant Bank Sedgwick, Kan. none commercial bank 11.40 6.99 1,074 0.00 18,442
16 Macomb Community Bank Clinton Township, Mich. Capitol Bancorp Ltd. commercial bank 11.36 0.40 10,573 2.45 97,005
17 Marco Community Bank Marco Island, Fla. Marco Community Bancorp Inc. commercial bank 11.33 0.67 14,329 0.23 149,480
18 First Integrity Bank Staples, Minn. First Integrity Bancorp. commercial bank 11.00 2.94 4,335 0.51 55,613
19 Alva State Bank and Trust Co. Okla. Grace Investment Co. Inc. commercial bank 10.62 2.31 14,224 3.74 169,839
20 Gateway Bank of St. Louis St. Louis Gateway Bancshares Inc. commercial bank 10.14 3.38 3,108 6.40 45,376
21 First National Bank of Bellevue Ohio First Bancshares Inc. commercial bank 10.12 18.11 5,981 0.89 92,365
22 Premier Bank Denver PB Financial Group Inc. commercial bank 10.11 9.06 5,819 0.64 94,518
23 Warren Bank Mich. Warren Bancorp Inc. commercial bank 10.00 2.00 44,515 0.12 635,277
24 Bramble Savings Bank Milford, Ohio none savings bank 10.00 3.79 4,670 0.18 54,470
25 Mid America Bank and Trust Co. Dixon, Mo. Mid America Banking Corp. commercial bank 9.98 0.13 6,923 4.72 88,086
26 First Tuskegee Bank Ala. Birthright Inc. commercial bank 9.83 0.12 6,233 0.38 88,139
27 Florida Community Bank Immokalee Florida Community Banks Inc. commercial bank 9.83 1.05 75,338 0.06 944,629
28 Louisville Community Development Bank Ky. Louisville Development Bancorp Inc. commercial bank 9.48 9.22 1,723 3.43 33,263
29 Key Community Bank Inver Grove Heights, Minn. Inver Grove Bancshares Inc. commercial bank 9.28 2.70 4,323 1.22 85,800
30 Golden First Bank Great Neck, N.Y. none thrift 9.27 0.00 1,306 0.00 24,756
31 Millennium Bank Reston, Va. Millennium Bankshares Corp. commercial bank 9.26 0.85 29,505 0.28 554,409
32 First State Bank of Hotchkiss Colo. Custer BanCorp. commercial bank 9.22 3.55 3,101 0.30 54,446
33 First Bank and Trust Co. of Illinois Palatine Hershenhorn Bancorp. Inc. commercial bank 9.09 4.57 23,353 3.23 480,865
34 Northwestern Bank Chippewa Falls, Wis. NW Bancshares Inc. commercial bank 9.02 3.08 18,818 0.05 332,902
35 Integrity Bank Alpharetta, Ga. Integrity Bancshares Inc. commercial bank 8.93 0.06 88,786 0.01 1,298,761
36 State Bank of Downs Kan. B Bank Inc. commercial bank 8.91 2.25 3,580 0.48 48,839
37 Grand Timber Bank McGregor, Minn. McGregor Banco Inc. commercial bank 8.84 5.88 3,683 0.08 53,324
38 Amboy Bank Old Bridge, N.J. Amboy Bancorp. commercial bank 8.71 4.60 181,221 -0.06 2,688,855
39 Doral Bank San Juan, Puerto Rico Doral GP Ltd. commercial bank 8.68 2.38 349,695 0.30 7,749,696
40 New Buffalo Savings Bank Mich. none thrift 8.59 3.73 8,203 0.00 114,724
41 MyLubbockBank Tex. Western Bancshares Inc. commercial bank 8.42 8.27 3,605 0.27 62,103
42 State Bank of Chilton Wis. Calumet Bancorp. Inc. commercial bank 8.40 4.42 12,667 2.74 172,981
43 Ocean Bank Miami Ocean Bankshares Inc. commercial bank 8.36 0.72 348,331 2.61 5,812,028
44 Bank of Belton Mo. Overland Bancorp Inc. commercial bank 8.28 1.23 2,613 0.31 58,783
45 BankCherokee St. Paul Cherokee Bancshares Inc. commercial bank 8.26 1.87 16,967 0.76 276,925
46 Citizens State Bank Hudson, Wis. Citizens Bancshares of Woodville Inc. commercial bank 8.16 0.14 13,178 0.06 203,727
47 Dryades Savings Bank FSB New Orleans Dryades Bancorp Inc. thrift 8.08 1.79 3,361 1.49 80,453
48 Texas National Bank Mercedes MNB Ventures Inc. commercial bank 7.99 2.78 4,326 1.68 68,930
49 Family Merchants Bank Cedar Rapids, Iowa Family Merchants Bancorp. Inc. commercial bank 7.97 0.00 1,926 0.59 36,726
50 Lowell Co-operative Bank Lowell, Mass. none savings bank 7.93 2.26 5,752 0.16 111,436
51 Bank of Paxton Paxton, Neb. Pony Express Bancorp Inc. commercial bank 7.81 13.87 801 0.49 17,879
52 First Priority Bank Bradenton, Fla. none commercial bank 7.73 1.35 16,362 0.54 276,219
53 McClave State Bank Colo. none commercial bank 7.58 5.52 872 3.28 17,855
54 Farmers and Merchants State Bank of Argonia Kan. Farmers and Merchants Financial Corp. commercial bank 7.56 0.00 1,139 -0.03 24,913
55 Alden State Bank Mich. none commercial bank 7.56 3.25 11,247 0.70 177,110
56 Parkway Bank Rogers, Ark. Parkway Bankshares Inc. commercial bank 7.51 1.40 9,222 0.66 158,217
57 Rosemount National Bank Minn. Rosemount Financial Services Inc. commercial bank 7.45 1.38 2,233 0.87 51,861
58 International City Bank Long Beach, Calif. Pedcor Capital LLC commercial bank 7.30 0.04 8,802 0.00 221,914
59 American Founders Bank Inc. Frankfort, Ky. American Founders Bancorp Inc. commercial bank 7.29 0.34 29,276 1.87 556,673
60 Oxford Bank Mich. Oxford Bank Corp. commercial bank 7.25 2.83 25,186 1.16 484,931
61 Pueblo Bank and Trust Co. Colo. Pueblo Bancorp. commercial bank 7.21 4.31 19,405 0.22 371,016
62 Lafayette Savings Bank FSB Ind. LSB Financial Corp. thrift 7.09 2.73 21,329 0.03 344,635
63 First National Bank of New Holland Ohio Community First Financial Bancorp Inc. commercial bank 7.08 15.03 1,056 7.79 21,883
64 Bank of Coweta Newnan, Ga. Synovus Financial Corp. commercial bank 7.05 0.15 24,391 0.90 410,789
65 First State Bank Danville, Va. none commercial bank 7.05 12.61 1,404 -0.13 29,559
66 Kearny County Bank Lakin, Kan. Lakin Bancshares Inc. commercial bank 7.04 0.01 3,859 0.00 96,815
67 Federal Trust Bank Sanford, Fla. Federal Trust Corp. thrift 6.96 1.64 42,427 2.49 723,410
68 Insignia Bank Sarasota, Fla. none commercial bank 6.94 NA 2,471 0.00 50,632
69 Neighborhood Community Bank Newnan, Ga. Newnan Co.weta Bancshares Inc. commercial bank 6.94 0.00 12,859 0.08 231,738
70 Pinnacle Bank Rogers, Ark. Pinnacle Bancshares Inc. commercial bank 6.86 0.30 8,797 2.38 161,959
71 Lowell Five Cents Savings Bank Mass. none savings bank 6.85 0.04 24,323 0.00 697,922
72 State Bank and Trust Co. Harrodsburg, Ky. State Financial Services Inc. commercial bank 6.80 6.47 3,567 -0.05 104,683
73 Bank of Monticello Wis. none commercial bank 6.78 4.65 3,339 0.04 66,918
74 Gulf State Community Bank Carrabelle, Fla. Gulf State Bancorp commercial bank 6.76 0.00 6,502 0.00 123,941
75 State Bank of Easton Minn. Easton Bancshares Inc. commercial bank 6.61 0.21 869 0.15 17,256
76 Albany Bank and Trust Ga. Community Capital Bancshares Inc. commercial bank 6.59 0.06 6,368 -0.01 167,682
77 Town and Country Bank Leawood, Kan. Leawood Bancshares Inc. commercial bank 6.58 1.66 5,589 1.18 116,814
78 United Midwest Savings Bank De Graff, Ohio MSB Capital Corp. thrift 6.58 5.58 13,849 0.47 248,224
79 VisionBank Saint Louis Park, Minn. Vision Bancshares Inc. commercial bank 6.54 0.00 1,593 1.90 27,464
80 Gateway Bank FSB San Francisco SK and LL Wang LLC thrift 6.53 0.30 21,302 0.17 378,826
81 Community Bank of Oak Park River Forest Ill. Oak Park River Forest Bankshares Inc. commercial bank 6.47 1.19 16,068 0.00 294,689
82 Main Street Bank Northville, Mich. Main Street Bancorp Inc. commercial bank 6.47 0.79 7,989 0.91 153,946
83 First National Bank and Trust Co. in Larned Kan. Pawnee Bancshares Inc. commercial bank 6.47 9.06 2,231 0.02 58,260
84 American Trust and Savings Bank Lowden, Iowa Lowden Bancshares Inc. commercial bank 6.36 0.00 1,141 0.81 27,334
85 First National Bank and Trust Co. of Broken Arrow Okla. First Broken Arrow Corp. commercial bank 6.33 0.76 7,800 0.03 190,983
86 Borrego Springs Bank La Mesa, Calif. American Heritage Holdings commercial bank 6.30 6.31 3,510 0.00 84,738
87 Landmark Community Bank Memphis MemphisFirst Corp. commercial bank 6.29 2.59 1,811 9.34 52,370
88 First National Bank Midwest Oskaloosa, Iowa IT&S of Iowa Inc. commercial bank 6.27 0.00 7,260 0.00 135,746
89 Peoples Bank Chatham, La. none commercial bank 6.23 2.21 731 0.00 17,456
90 Security Pacific Bank Los Angeles Security Pacific Bancorp commercial bank 6.20 1.26 33,380 1.00 615,544
91 First State Bank of Bigfork Minn. Bigfork Bancshares Inc. commercial bank 6.08 2.58 1,915 0.08 43,920
92 Citizens State Bank of Lankin N.D. Citizens State Bancshares Inc. commercial bank 6.07 0.91 2,051 -0.69 42,703
93 Platinum Community Bank Rolling Meadows, Ill. Platinum Bancshares Inc. thrift 5.96 1.68 5,194 0.11 110,308
94 First State Bank of Sharon Aneta, N.D. First Sharon Holding Co. Inc. commercial bank 5.96 3.74 1,506 -1.07 37,787
95 Lehman Brothers Bank FSB Wilmington, Del. Lehman Brothers Holdings Inc. thrift 5.92 1.19 959,992 0.01 17,656,994
96 First State Bank of East Detroit Eastpointe, Mich. First State Financial Corp. commercial bank 5.91 2.88 25,796 1.98 768,718
97 Community National Bank Franklin, Ohio Community National Corp. commercial bank 5.89 2.21 5,837 -1.98 142,612
98 First National Bank of Mount Pulaski Mount Pulaski, Ill. Illinois National Bancorp Inc. commercial bank 5.85 6.25 1,394 1.26 41,589
99 Bank of Macks Creek Mo. Macks Creek Bancshares Inc. commercial bank 5.85 0.67 1,428 8.72 31,952
100 State Bank of Delano Minn. Delano State Agency Inc. commercial bank 5.84 1.99 4,909 0.56 109,661
101 First Bank of Kansas City Bancorp III Inc. commercial bank 5.81 1.83 1,160 4.72 27,262
102 Baylake Bank Sturgeon Bay, Wis. Baylake Corp. commercial bank 5.78 2.77 45,216 0.77 1,090,712
103 Citizens Community Bank Ridgewood, N.J. none commercial bank 5.76 3.59 2,211 0.00 53,127
104 First State Bank of Kiester Minn. Kiester Investments Inc. commercial bank 5.76 2.01 803 0.00 18,346
105 Suburban Federal Savings Bank Crofton, Md. none thrift 5.75 1.10 22,147 0.03 421,651
106 Arkansas Valley State Bank Broken Arrow, Okla. Arkansas Valley Bancshares Inc. commercial bank 5.72 1.11 10,405 0.27 301,724
107 Beal Bank SSB Plano, Tex. Beal Financial Corp. commercial bank 5.70 6.62 45,721 1.10 1,310,348
108 Spencer State Bank Neb. none commercial bank 5.68 0.00 551 2.25 17,323
109 Lake Community Bank Long Lake, Minn. Tysan Corp. commercial bank 5.66 3.85 7,009 0.50 168,500
110 Georgia Trust Bank Buford Georgia Trust Bancshares Inc. commercial bank 5.66 0.00 5,104 0.38 116,467
111 First State Bank Crossett, Ark. Evergreen Bancshares Inc. commercial bank 5.65 3.73 883 0.34 28,192
112 Access Bank Champlin, Minn. Access Bancshares Inc. commercial bank 5.61 1.62 1,676 0.00 43,629
113 Hillcrest Bank Overland Park, Kan. Hillcrest Bancshares Inc. commercial bank 5.60 0.30 84,345 0.01 1,724,281
114 Legacy National Bank Springdale, Ark. none commercial bank 5.58 0.02 11,620 0.43 233,131
115 Community National Bank North Branch, Minn. Community Investment Services Inc. commercial bank 5.56 1.66 4,129 4.73 104,126
116 North Valley Bank Zanesville, Ohio North Valley Bancshares Inc. commercial bank 5.50 3.81 5,657 0.10 131,619
117 Partners Bank Naples, Fla. Partners Financial Corp. thrift 5.49 0.00 2,001 0.04 58,568
118 Surety Bank Fort Worth Surety Capital Corp. commercial bank 5.48 8.35 1,613 0.28 36,285
119 Merchants and Farmers Bank Dumas, Ark. M and F Financial Corp. commercial bank 5.47 3.19 2,757 9.03 75,088
120 Regal Bank and Trust Owings Mills, Md. Regal Bancorp Inc. commercial bank 5.40 1.22 6,292 -0.02 137,300
121 Bison State Bank Kan. none commercial bank 5.40 0.69 233 -0.46 7,473
122 Community Bank Alton, Iowa Alton Bancorp. commercial bank 5.37 0.67 1,985 0.20 40,446
123 First Century Bank Gainesville, Ga. First Century Bancorp. commercial bank 5.35 2.42 1,025 0.09 35,112
124 Salt Lick Deposit Bank Owingsville, Ky. Central Bancshares Inc. commercial bank 5.29 2.42 2,005 0.71 70,294
125 Peoples State Bank Hamtramck, Mich. PSB Group Inc. commercial bank 5.29 0.80 22,247 4.12 503,283
126 Bank of Bennington Neb. Hilltop Bancshares Inc. commercial bank 5.29 5.24 2,214 0.21 58,108
127 First National Bank of Southern Kansas Mount Hope Mount Hope Bancshares Inc. commercial bank 5.22 2.21 2,215 0.62 61,005
128 Tri State Bank of Memphis Memphis none commercial bank 5.21 7.00 4,256 0.01 129,038
129 Westernbank Puerto Rico Mayaguez W Holding Co. Inc. commercial bank 5.21 1.51 490,436 4.06 17,973,003
130 Farmers Deposit Bank Eminence, Ky. Premier Financial Bancorp Inc. commercial bank 5.20 8.09 2,345 -0.62 71,935
131 Ocala National Bank Fla. ONB Financial Services Inc. commercial bank 5.18 0.00 12,750 1.17 281,644
132 Farmers State Bank of Munith Mich. none commercial bank 5.18 0.53 2,554 0.22 63,215
133 Bank of Cashton Wis. Eagle Bancshares Inc. commercial bank 5.16 1.42 1,696 5.97 49,534
134 Fortress Bank Westby, Wis. Merchants and Manufacturers Bancorp. Inc. commercial bank 5.12 4.46 7,430 0.54 178,120
135 Quoin Financial Bank Miller, S.D. M and H Financial Services Inc. commercial bank 5.12 1.11 3,591 0.59 107,725
136 First National Bank of Fox Valley Neenah, Wis. NEB Corp. commercial bank 5.11 3.55 8,406 0.40 196,273
137 Security Bank of Kansas City Kan. Valley View Bancshares Inc. commercial bank 5.10 0.38 28,048 -0.01 810,992
138 Southern Community Bank Fayetteville, Ga. Southern Community Bancshares Inc. commercial bank 5.09 1.62 15,527 0.33 391,471
139 Bank of Lake Village Ark. Southeast Arkansas Bank Corp. commercial bank 5.06 4.20 2,235 2.48 65,011
140 Tri-Valley Bank Randolph, Iowa none commercial bank 5.04 0.65 2,129 0.20 52,032
141 Minden Exchange Bank and Trust Co. Neb. Armstrong Financial Co. commercial bank 5.04 2.47 4,196 6.55 123,695
142 Premier Bank Maplewood, Minn. none commercial bank 5.03 1.11 23,764 0.75 546,996
143 Central State Bank Beulah, Mich. Central-State Bancorp Inc. commercial bank 5.01 2.64 2,163 -0.01 66,799
144 Northside Community Bank Gurnee, Ill. Alikat Investments Inc. commercial bank 4.98 0.03 27,595 -0.08 623,690
145 Farmers and Merchants State Bank of Bushnell Ill. Prairieland Bancorp Inc. commercial bank 4.98 0.57 2,149 0.04 61,035
146 CSB Bank Capac, Mich. Capac Bancorp Inc. commercial bank 4.94 1.40 7,633 0.00 208,679
147 Oculina Bank Fort Pierce, Fla. Colonial Banc Corp. thrift 4.93 1.59 2,621 0.00 68,750
148 RiverBank Wyoming, Minn. Osceola Bancorp. Inc. commercial bank 4.92 0.36 19,621 0.08 449,512
149 Purdum State Bank Neb. none commercial bank 4.91 6.51 712 2.07 18,671
150 Meridian Bank Wickenburg, Ariz. Marquette Financial commercial bank 4.90 0.33 87,453 0.19 2,212,776


Notes: Data from preliminary quarterly call reports and thrift financial reports from the FDIC and OTS. Excludes 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:

SNL Financial
, Charlottesville, Va.
© 2008 American Banker


Banks, thrifts and holding companies