© 2026 Arizent. All rights reserved.
Banks, thrifts and holding companies

Banks and Thrifts with Highest Nonperformer Ratios (Corrected)

June 19, 2008, 10:08 a.m. EDT 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 Dec. 31, 2007. Dollars in thousands
Published June 19, 2008
Rank Holding company Institution type Ratio* Year earlier Nonperformers Net chargeoffs** Assets
1 Eastern Savings Bank FSB Hunt Valley, Md. none thrift 33.46 21.34 334,391 0.23 1,117,603
2 Ameribank Welch, W.Va. JMS Investors thrift 32.57 0.56 37,201 6.09 135,892
3 BankFirst Sioux Falls, S.D. Marshall Bankfirst Corp. commercial bank 25.38 6.98 84,733 2.32 448,376
4 ANB Financial National Association Bentonville, Ark. none commercial bank 21.97 2.55 388,139 2.37 1,986,250
5 HomeTown Bank of Villa Rica Villa Rica, Ga. SunTrust Banks Inc. commercial bank 21.18 2.40 34,190 4.69 234,957
6 Douglass National Bank Kansas City, Mo. none commercial bank 19.29 15.88 5,647 2.45 52,824
7 First Piedmont Bank Winder, Ga. none commercial bank 17.99 0.00 18,892 0.00 129,427
8 First Florida Bank Naples none commercial bank 17.52 1.66 54,226 7.30 424,459
9 Horizon Bank Oskaloosa, Iowa none thrift 17.30 3.12 15,929 1.05 103,655
10 Commercial Bank Bassett, Neb. Bassett Investment Co. commercial bank 16.49 0.47 4,931 3.14 54,031
11 First Priority Bank Bradenton, Fla. none commercial bank 16.24 0.73 33,759 2.80 270,198
12 Premier Bank Denver PB Financial Group Inc. commercial bank 16.04 12.19 8,972 0.61 93,340
13 Community National Bank North Branch, Minn. Community Investment Services Inc. commercial bank 15.49 1.19 11,150 1.41 98,003
14 New Buffalo Savings Bank Mich. none thrift 13.30 4.33 12,542 -0.13 113,616
15 Gateway Bank of St. Louis Gateway Bancshares Inc. commercial bank 13.28 5.04 4,024 3.17 40,322
16 Macomb Community Bank Clinton Township, Mich. Capitol Bancorp Ltd. commercial bank 12.95 2.89 11,367 0.92 93,049
17 Citizens Community Bank Ridgewood, N.J. none commercial bank 12.59 2.85 4,489 0.00 52,448
18 First Pryority Bank Pryor, Okla. First Pryor Bancorp Inc. commercial bank 12.53 2.14 12,286 2.76 131,616
19 Louisville Community Development Bank Ky. Louisville Development Bancorp Inc. commercial bank 12.24 8.92 2,044 1.67 32,217
20 Downey Savings and Loan Association Newport Beach, Calif. Downey Financial Corp. thrift 12.22 0.77 1,397,163 0.17 13,408,965
21 Warren Bank Warren, Mich. Warren Bancorp Inc. commercial bank 12.14 3.29 55,560 0.40 626,590
22 BankCherokee St. Paul Cherokee Bancshares Inc. commercial bank 11.93 2.26 23,400 0.62 278,341
23 Florida Community Bank Immokalee Florida Community Banks Inc. commercial bank 11.86 4.47 89,513 0.05 936,363
24 Integrity Bank Alpharetta, Ga. Integrity Bancshares Inc. commercial bank 11.83 1.42 111,061 4.86 1,210,992
25 Amboy Bank Old Bridge, N.J. Amboy Bancorp. commercial bank 11.77 4.28 237,146 0.33 2,594,308
26 Pinnacle Bank of Oregon Beaverton none commercial bank 11.59 4.55 7,536 4.99 86,204
27 Bramble Savings Bank Milford, Ohio none savings bank 10.94 6.49 4,968 0.62 55,116
28 Platinum Community Bank Rolling Meadows, Ill. Platinum Bancshares Inc. thrift 10.88 1.10 7,543 -0.05 91,271
29 Anadarko Bank and Trust Co. Okla. Falcon Bancorp Inc. commercial bank 10.84 3.78 3,960 2.19 70,680
30 Lowell Co-operative Bank Mass. none savings bank 10.75 6.52 7,404 0.44 107,798
31 Marco Community Bank Marco Island, Fla. Marco Community Bancorp Inc. commercial bank 10.41 0.96 12,621 4.94 145,701
32 First Tuskegee Bank Ala. Birthright Inc. commercial bank 10.28 0.45 6,198 0.33 84,729
33 Ebank Atlanta ebank Financial Services Inc. thrift 10.20 3.77 11,156 0.35 141,706
34 Community Bank Loganville, Ga. Triangle Financial Group Inc. commercial bank 10.14 1.64 49,814 0.12 602,126
35 Prime Alliance Bank Woods Cross, Utah none commercial bank 10.07 4.53 9,099 1.86 109,974
36 Gulf State Community Bank Carrabelle, Fla. Gulf State Bancorp commercial bank 10.06 3.77 9,407 0.37 121,247
37 Premier Bank Minnesota Farmington none commercial bank 10.04 2.61 15,210 0.44 189,134
38 First Georgia Community Bank Jackson First Georgia Community Corp. commercial bank 9.89 0.00 20,707 0.82 295,399
39 Vision Bank Panama City, Fla. Park National Corp. commercial bank 9.86 1.66 63,015 1.97 859,214
40 Citizens State Bank of Lankin N.D. Citizens State Bancshares Inc. commercial bank 9.70 0.45 3,022 2.17 40,885
41 Doral Bank San Juan, Puerto Rico Doral GP Ltd. commercial bank 9.45 4.36 432,061 0.48 7,673,122
42 First State Bank of Hotchkiss Colo. Custer Bancorp. commercial bank 9.45 3.88 3,352 0.13 55,227
43 Meridian Bank Wickenburg, Ariz. Marquette Financial Cos. commercial bank 9.39 0.93 171,003 0.88 2,270,645
44 Main Street Bank Northville, Mich. Main Street Bancorp Inc. commercial bank 9.25 1.46 9,921 2.61 136,947
45 State Bank of Delano Minn. Delano State Agency Inc. commercial bank 9.19 1.51 7,356 0.64 107,403
46 FirstBank Financial Services McDonough, Ga. FirstBank Financial Services Inc. commercial bank 9.18 0.49 23,592 0.14 346,919
47 Community Trust Bank Hiram, Ga. SunTrust Banks Inc. commercial bank 9.11 2.24 22,654 1.58 318,262
48 First National Bank of Bellevue Ohio First Bancshares Inc. commercial bank 9.02 14.04 5,298 0.76 95,234
49 Premier Bank Maplewood, Minn. none commercial bank 8.85 2.11 41,545 0.62 537,963
50 Key Community Bank Inver Grove Heights, Minn. Inver Grove Bancshares Inc. commercial bank 8.80 8.77 4,114 0.90 81,836
51 First Bank and Trust Co. of Illinois Palatine Hershenhorn Bancorp. Inc. commercial bank 8.79 2.37 23,066 1.02 473,972
52 ISN Bank Cherry Hill, N.J. none commercial bank 8.79 5.96 11,982 4.38 192,570
53 Parkway Bank Rogers, Ark. Parkway Bankshares Inc. commercial bank 8.78 1.28 9,992 0.75 146,183
54 MagnetBank Salt Lake City none commercial bank 8.65 0.00 35,987 0.17 461,865
55 Ocala National Bank Ocala, Fla. ONB Financial Services Inc. commercial bank 8.63 0.00 20,468 1.19 269,626
56 Lehman Brothers Bank FSB Wilmington, Del. Lehman Brothers Holdings Inc. thrift 8.58 1.68 1,048,999 0.08 16,050,406
57 Premier Bank Rochester, Minn. none commercial bank 8.52 3.84 10,541 0.29 143,095
58 Northwestern Bank Chippewa Falls, Wis. NW Bancshares Inc. commercial bank 8.48 2.88 17,741 0.06 341,463
59 Bank of Paxton Neb. Pony Express Bancorp Inc. commercial bank 8.45 15.38 890 0.65 17,893
60 Ocean Bank Miami Ocean Bankshares Inc. commercial bank 8.37 0.74 330,694 2.95 5,554,933
61 MyLubbockBank Lubbock, Tex. Western Bancshares Inc. commercial bank 8.29 6.92 3,766 0.53 63,836
62 Lowell Five Cents Savings Bank Mass. none savings bank 8.18 0.01 28,943 0.01 672,773
63 Beach Community Bank Fort Walton Beach, Fla. Beach Community Bancshares Inc. commercial bank 7.99 0.03 38,615 0.10 728,979
64 First National Bank of Stratton Colo. none commercial bank 7.99 1.85 2,402 0.29 53,323
65 Bank of Lumber City Ga. none commercial bank 7.97 0.89 1,038 -0.09 21,535
66 Kalamazoo County State Bank Schoolcraft, Mich. none commercial bank 7.95 0.16 4,063 0.67 71,435
67 Family Merchants Bank Cedar Rapids, Iowa Family Merchants Bancorp. Inc. commercial bank 7.83 2.16 1,861 1.32 35,334
68 American Metro Bank Chicago American Metro Bancorp Inc. commercial bank 7.80 4.43 5,288 0.18 83,111
69 Brickyard Bank Lincolnwood, Ill. Brickyard Bancorp Inc. commercial bank 7.77 1.47 6,977 -0.28 167,686
70 Lapeer County Bank and Trust Co. Mich. County Bank Corp commercial bank 7.76 1.38 14,134 0.34 264,313
71 Suburban Federal Savings Bank Crofton, Md. none thrift 7.72 1.12 27,905 0.08 412,157
72 CentreBank Veedersburg, Ind. Lawrence L. Osborn Scholarship Trust commercial bank 7.64 0.07 2,832 0.31 52,392
73 IndyMac Bank, F.S.B. Pasadena, Calif. IndyMac Bancorp Inc. thrift 7.64 0.95 1,540,983 0.29 32,514,479
74 Millennium Bank Reston, Va. Millennium Bankshares Corp. commercial bank 7.63 0.92 23,032 0.22 514,616
75 Citizens State Bank Hudson, Wis. Citizens Bancshares of Woodville Inc. commercial bank 7.62 1.24 12,813 0.57 200,155
76 Security Bank of Gwinnett County Suwanee, Ga. Security Bank Corp. commercial bank 7.59 0.00 23,871 0.47 403,656
77 American Founders Bank Inc. Frankfort, Ky. American Founders Bancorp Inc. commercial bank 7.57 0.38 29,072 1.17 582,626
78 Borrego Springs Bank La Mesa, Calif. American Heritage Holdings commercial bank 7.54 8.48 4,505 0.36 81,333
79 Colorado Federal Savings Bank Greenwood Village Silver Queen Financial Services Inc. thrift 7.53 0.05 2,872 0.15 45,485
80 McClave State Bank Colo. none commercial bank 7.49 3.28 851 0.25 17,786
81 Federal Trust Bank Sanford, Fla. Federal Trust Corp. thrift 7.46 1.98 42,593 0.89 687,634
82 Southern Community Bank Fayetteville, Ga. Southern Community Bancshares Inc. commercial bank 7.30 0.14 21,240 0.50 409,058
83 Putnam County National Bank of Carmel N.Y. none commercial bank 7.22 4.98 7,684 -0.02 148,920
84 American Trust and Savings Bank Lowden, Iowa Lowden Bancshares Inc. commercial bank 7.17 0.00 1,185 -0.31 28,389
85 Security Bank of Kansas City Kan. Valley View Bancshares Inc. commercial bank 7.12 0.23 41,396 0.16 849,316
86 First Integrity Bank Staples, Minn. none commercial bank 7.10 2.01 2,813 4.74 54,994
87 Oxford Bank Mich. Oxford Bank Corp. commercial bank 7.09 4.28 23,429 1.82 463,807
88 International City Bank Long Beach, Calif. Pedcor Capital LLC commercial bank 7.07 0.09 8,665 0.37 201,281
89 Security Pacific Bank Los Angeles Security Pacific Bancorp commercial bank 7.06 2.85 37,075 1.81 594,725
90 First National Bank of New Holland Ohio none commercial bank 6.95 15.61 1,020 2.71 23,168
91 Lafayette Savings Bank FSB Lafayette, Ind. LSB Financial Corp. thrift 6.95 3.68 20,845 0.13 341,751
92 Town and Country Bank Leawood, Kan. Leawood Bancshares Inc. commercial bank 6.95 1.21 5,882 0.73 108,081
93 American Southern Bank Roswell, Ga. American Southern BanCorp Inc. commercial bank 6.91 0.00 3,618 0.77 68,200
94 First State Bank Danville, Va. none commercial bank 6.87 10.70 1,357 0.50 29,521
95 Michigan Heritage Bank Farmington Hills Michigan Heritage Bancorp Inc. commercial bank 6.87 2.81 10,539 0.47 187,694
96 Bank of Belton Mo. Overland Bancorp Inc. commercial bank 6.85 1.54 2,279 2.02 55,683
97 United Midwest Savings Bank De Graff, Ohio MSB Capital Corp. thrift 6.81 5.67 15,330 0.50 260,888
98 Jennings State Bank Spring Grove, Minn. Spring Grove Investments Inc. commercial bank 6.75 3.77 2,531 0.41 49,943
99 State Bank of Chilton Wis. Calumet Bancorp. Inc. commercial bank 6.72 4.13 9,869 1.63 180,171
100 Coastal Bank Savannah, Ga. Co.astal Bankshares Inc. commercial bank 6.71 1.59 19,158 0.66 338,311
101 Symphony Bank Indianapolis Symphony Bancorp commercial bank 6.68 0.00 2,450 0.20 51,322
102 Gateway Bank FSB San Francisco SK and LL Wang LLC thrift 6.67 0.00 24,768 0.20 403,955
103 Community National Bank Franklin, Ohio Community National Corp. commercial bank 6.63 1.97 6,125 1.69 129,671
104 First Federal Bank Harrison, Ark. First Federal Bancshares of Arkansas Inc. thrift 6.53 3.41 39,337 0.04 791,845
105 State Bank of Easton Minn. Easton Bancshares Inc. commercial bank 6.50 0.03 877 0.52 17,420
106 Texas National Bank Mercedes MNB Ventures Inc. commercial bank 6.49 2.37 3,705 0.31 78,072
107 Integrity Bank Jupiter, Fla. none commercial bank 6.48 0.00 6,347 0.21 124,057
108 First National Bank and Trust Co. in Larned Kan. Pawnee Bancshares Inc. commercial bank 6.44 7.66 2,172 0.00 57,074
109 First State Bank of Red Bud Ill. Red Bud Bancorp Inc. commercial bank 6.44 0.00 4,256 1.49 104,277
110 ProGrowth Bank Nicollet, Minn. Progressive Growth Corp. commercial bank 6.42 0.89 5,366 0.10 132,066
111 Vanguard Bank and Trust Co. Valparaiso, Fla. Synovus Financial Corp. commercial bank 6.41 0.06 36,239 2.59 642,686
112 Citizens Building and Loan Association Greer, S.C. none thrift 6.33 5.90 4,976 0.00 93,433
113 Central Progressive Bank Lacombe, La. Blossman Bancshares Inc. commercial bank 6.31 2.78 28,141 0.01 531,657
114 First State Bank of East Detroit Eastpointe, Mich. First State Financial Corp. commercial bank 6.31 3.33 27,798 1.79 746,325
115 McIntosh State Bank Jackson, Ga. McIntosh Bancshares Inc. commercial bank 6.31 0.18 21,565 0.30 461,819
116 VisionBank St. Louis Park, Minn. Vision Bancshares Inc. commercial bank 6.29 0.00 1,469 0.99 27,065
117 Clay County State Bank Louisville, Ill. Clay County State Bancshares Inc. commercial bank 6.26 3.84 2,587 0.02 67,407
118 Tri State Bank of Memphis none commercial bank 6.26 6.84 5,087 0.11 123,520
119 Security State Bank of Howard Lake Minn. Forstrom Bancorp. Inc. commercial bank 6.22 1.40 3,780 0.61 85,058
120 Equity Bank, SSB Dallas EJ Financial Corp. savings bank 6.21 1.55 13,922 0.56 251,564
121 First State Bank of Kiester Minn. Kiester Investments Inc. commercial bank 6.21 4.36 832 0.34 18,733
122 Owen Community Bank Spencer, Ind. Home Financial Bancorp thrift 6.15 5.85 3,792 0.21 71,206
123 PFF Bank and Trust Rancho Cucamonga, Calif. PFF Bancorp Inc. thrift 6.13 0.04 241,979 1.27 4,280,668
124 Heritage Community Bank Glenwood, Ill. Heritage Community Bancorp. Inc. commercial bank 6.07 3.25 13,839 0.59 298,418
125 Surety Bank Fort Worth, Tex. First Graham Bancorp Inc. commercial bank 6.04 6.51 1,714 0.65 36,651
126 Westsound Bank Bremerton, Wash. WSB Financial Group Inc. commercial bank 6.04 0.06 24,923 0.08 489,664
127 Midwest Independent Bank Jefferson City, Mo. Midwest Independent Bancshares Inc. commercial bank 6.03 0.00 15,276 0.69 310,588
128 Rosemount National Bank Rosemount, Minn. Rosemount Financial Services Inc. commercial bank 6.03 1.16 1,573 3.14 49,628
129 Freedom Bank of Georgia Commerce Freedom Bancshares Inc. commercial bank 6.01 0.79 7,105 0.15 147,270
130 AmTrust Bank Cleveland AmTrust Financial Corp. thrift 6.00 1.90 885,576 0.26 16,938,391
131 Peoples National Bank Colorado Springs, Colo. Winter Trust of 12/3/74 commercial bank 5.94 0.00 7,995 1.39 185,959
132 State Bank of Ceylon Minn. Ceylon Bancorp. Inc. commercial bank 5.94 0.77 299 0.98 9,203
133 Citizens State Bank Paola, Kan. Valley View Bancshares Inc. commercial bank 5.93 0.21 1,586 0.27 50,634
134 Town Center Bank Coppell, Tex. Town Center Holdings Inc. commercial bank 5.92 0.00 3,074 1.09 61,482
135 Landmark Community Bank Memphis MemphisFirst Corp. commercial bank 5.91 9.81 1,893 4.28 53,498
136 First DuPage Bank Westmont, Ill. First Dupage Bancorp Inc. commercial bank 5.89 1.53 15,432 0.79 312,483
137 Sun Security Bank Ellington, Mo. Sun Financial Corp. commercial bank 5.89 0.28 16,663 3.22 440,496
138 Legacy National Bank Springdale, Ark. none commercial bank 5.85 0.23 12,550 0.77 259,427
139 Heritage Bank Jonesboro, Ga. CCF Holding Co. commercial bank 5.79 0.24 18,591 0.20 422,094
140 First Standard Bank Los Angeles none commercial bank 5.78 0.19 6,732 3.38 142,018
141 Albany Bank and Trust Ga. Community Capital Bancshares Inc. commercial bank 5.76 0.42 4,758 2.07 148,867
142 First State Bank Stockbridge, Ga. Henry County Bancshares Inc. commercial bank 5.74 0.07 32,744 0.10 718,831
143 Alva State Bank and Trust Co. Okla. Grace Investment Co. Inc. commercial bank 5.73 5.45 7,863 1.70 176,430
144 Discovery Bank San Marcos, Calif. Discovery Bancorp commercial bank 5.73 1.10 8,650 0.67 185,582
145 Sutter Community Bank Yuba City, Calif. none commercial bank 5.73 0.00 1,900 0.01 45,719
146 First Resource Bank Savage, Minn. Evans Bancshares Inc. commercial bank 5.71 5.10 1,277 3.09 27,533
147 Grand Haven Bank Mich. Capitol Bancorp Ltd. commercial bank 5.71 2.20 6,972 0.66 131,228
148 Park Bank Holmen, Wis. none commercial bank 5.71 2.97 1,810 0.90 38,689
149 Select Bank Grand Rapids, Mich. Harbor Springs Financial Corp. commercial bank 5.68 1.31 5,574 1.72 109,782
150 Dryades Savings Bank FSB New Orleans Dryades Bancorp Inc. thrift 5.65 2.20 2,364 0.95 81,077


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 December 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