Banks and Thrifts with Highest Nonperformer Ratios (Corrected)

June 28, 2007, 10:08 a.m. EDT 1 Min Read

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Banks and Thrifts with Highest Nonperformer Ratios (Corrected)
On Dec. 31, 2006. Dollars in thousands Published June 28, 2007
					Year earlier		Net chargeoffs**
		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Eastern Savings Bank FSB Hunt Valley, Md.	none	thrift	21.34	18.34	188,383	0.05	980,325
2	Douglass National Bank Kansas City, Mo.	Douglass Bancorp Inc.	commercial bank	15.88	3.47	7,514	3.18	68,430
3	First National Bank of New HollandOhio	Community First Financial Bancorp Inc.	commercial bank	15.61	12.49	2,402	2.45	25,693
4	Bank of PaxtonNeb.	Pony Express Bancorp Inc.	commercial bank	15.38	0	1,806	3.83	18,142
5	First National Bank of BellevueOhio	First Bancshares Inc.	commercial bank	14.04	4.69	8,796	3.39	97,012
6	Community Bank of Lawndale Chicago	IBC Bancorp Inc.	commercial bank	12.43	12.8	2,690	0.17	38,235
7	Premier Bank Denver	PB Financial Group Inc.	commercial bank	12.19	2.81	8,679	0.13	101,946
8	First Credit Bank Los Angeles	none	commercial bank	10.84	5.81	26,575	-0.01	315,228
9	First State Bank Danville, Va.	none	commercial bank	10.7	9.78	2,459	4.05	33,862
10	Progressive-Home Federal Savings and Loan Assn. Pittsburgh	none	thrift	9.85	9.42	2,921	0.14	50,690
11	Louisville Community Development Bank	Louisville Development Bancorp Inc.	commercial bank	8.92	13.52	1,530	2.15	32,382
12	Key Community Bank Inver Grove Heights, Minn.	Inver Grove Bancshares Inc.	commercial bank	8.77	1.69	4,988	1.63	89,478
13	Borrego Springs Bank La Mesa, Calif.	none	commercial bank	8.48	10.31	5,167	0.24	86,074
14	Farmers and Merchants State Bank of Argonia Kan.	Farmers and Merchants Financial Corp.	commercial bank	8.48	0.29	1,609	-0.03	26,187
	First National Bank of St. Ignace Mich.	none	commercial bank	8.38	7.13	8,310	0.1	183,499
16	Terrabank Miami	none	commercial bank	8.22	3.25	13,582	0.51	304,302
17	Hiawatha National Bank Hager City, Wis.	Hiawatha Bancshares Inc.	commercial bank	7.9	5.32	2,440	-0.04	44,462
18	First State Bank Shelton, Neb.	Shelton Enterprises Inc.	commercial bank	7.73	2.01	2,488	3.08	39,321
19	First National Bank and Trust Co. in Larned Kan.	Pawnee Bancshares Inc.	commercial bank	7.66	9.06	2,257	0.44	56,421
20	Alliant Bank Sedgwick, Kan.	none	commercial bank	7.33	6.12	923	0.12	21,944
21	Farmers Deposit Bank Eminence, Ky.	Premier Financial Bancorp Inc.	commercial bank	7.18	9.46	3,211	-0.56	77,472
22	Bay Bank Green Bay, Wis.	Bay Bancorp.	commercial bank	7.09	1.89	5,108	0.53	99,815
23	Bank of MontgomeryIll.	Montgomery Bancshares Inc.	commercial bank	7.06	2.41	1,303	0.38	36,513
24	BankFirst Sioux Falls, S.D.	Marshall Bankfirst Corp.	commercial bank	6.98	0	30,358	0.29	618,354
25	MyLubbockBank Lubbock, Tex.	Western Bancshares Inc.	commercial bank	6.92	8.37	3,075	0.79	60,755
26	Beal Bank SSB Plano, Tex.	Beal Financial Corp.	savings bank	6.89	6.72	71,099	0.56	1,410,852
27	Tri State Bank of Memphis	none	commercial bank	6.84	8.14	4,724	0.28	119,901
28	Cedar Rapids State BankNeb.	Cedar Rapids State Co.	commercial bank	6.8	2	1,568	0.43	33,729
29	Gold Country Bank Marysville, Calif.	Gold Country Financial Services Inc.	commercial bank	6.69	4.24	5,665	1.27	110,658
30	Kinderhook State BankIll.	none	commercial bank	6.59	3.92	720	1.49	20,489
31	First United Bank Englewood, Colo.	United Banks of Colorado Inc.	commercial bank	6.57	0.27	8,948	0.08	179,370
32	Lowell Co-operative BankMass.	none	savings bank	6.52	1.36	5,577	0.12	126,516
33	Surety Bank Fort Worth	Surety Capital Corp.	commercial bank	6.51	3.66	1,447	2.46	33,425
34	Bramble Savings Bank Milford, Ohio	none	savings bank	6.49	1.45	3,282	0.2	58,568
35	First State Bank Ketchum, Okla.	Green Country Bancorp. Inc.	commercial bank	6.44	0.74	1,170	3.66	26,596
36	Home Building and Loan Co. Greenfield, Ohio	none	thrift	6.33	0	1,366	0	36,520
37	United Community Bank Oakwood, Ill.	Oakwood Bancorp Inc.	commercial bank	6.31	1.79	1,290	0.2	36,357
38	First National Bank of LindsayOkla.	First Lindsay Corp.	commercial bank	6.3	8.57	1,041	5.64	25,696
39	Capital Crossing Bank Boston	none	commercial bank	6.16	4.29	60,262	0.32	1,204,161
40	Flint Community Bank Albany, Ga.	Flint Community Bancshares Inc.	commercial bank	6.14	NA	1,218	0.05	29,615
41	Peoples Bank and Trust Co. Ryan, Okla.	none	commercial bank	6.11	4.23	658	0.12	16,319
42	Biltmore Bank of Arizona Phoenix	Bank Capital Corp.	commercial bank	6.01	0	12,634	2.24	250,937
43	Equity Bank Dodge Center, Minn.	Equity Bank Holding Co. Inc.	commercial bank	5.97	0.86	2,652	0.27	51,904
44	interState Net Bank Cherry Hill, N.J.	none	commercial bank	5.96	4.44	10,809	0.87	237,480
45	Citizens Building and Loan Association Greer, S.C.	none	thrift	5.9	3.87	4,320	0	92,185
46	First State Bank Keyes, Okla.	First Keyes Bancshares Inc.	commercial bank	5.88	3.95	1,304	0.5	34,947
47	Owen Community Bank, Savings Bank Spencer, Ind.	Home Financial Bancorp	thrift	5.85	6.22	3,651	0.39	74,727
48	All American Bank Des Plaines, Ill.	none	commercial bank	5.74	0	913	0.02	17,806
49	Citizens Bank Hickman, Ky.	Citizens Bancorp of Hickman Inc.	commercial bank	5.73	6.69	3,219	1.03	85,450
50	Bank of OakfieldWis.	Oakfield Bancorp. Inc.	commercial bank	5.67	2.87	2,120	0.95	55,107
51	United Midwest Savings Bank De Graff, Ohio	MSB Capital Corp.	thrift	5.67	5.91	10,542	0.32	211,467
	First National Bank of Fox Valley Neenah, Wis.	First Menasha Bancshares Inc.	commercial bank	5.63	0.33	10,487	0.26	222,651
53	Citizens State Bank Ashland, Kan.	none	commercial bank	5.59	5.27	310	-1.65	9,978
54	commercial bank Crawford, Ga.	TCB Bancshares Inc.	commercial bank	5.58	0.68	3,096	0.04	92,305
55	First State Bank Valliant, Okla.	none	commercial bank	5.56	7.03	2,545	1.81	49,341
56	Wilton BankConn.	none	commercial bank	5.54	1.54	3,921	-0.04	107,266
57	First National Bank in ExeterNeb.	McCabe Investments Inc.	commercial bank	5.49	7.26	901	0.1	24,868
58	Unity National Bank of Houston	none	commercial bank	5.46	9.62	1,603	6.39	51,226
59	State Bank of Downs Downs, Kan.	B Bank Inc.	commercial bank	5.46	4.55	2,294	-0.34	49,086
	Alva State Bank and Trust Co.Okla.	Grace Investment Co. Inc.	commercial bank	5.45	3.02	7,966	1.33	179,425
61	Pueblo Bank and Trust Co.Colo.	Pueblo Bancorp.	commercial bank	5.44	2.15	15,058	0.27	360,483
62	First National Bank Mount PulaskiIll.	First National Financial Corp.	commercial bank	5.32	5.19	1,377	0.56	42,857
63	Bank of BlevinsArk.	First National Security Co.	commercial bank	5.29	5.22	576	0.14	16,306
64	Lake Community Bank Long Lake, Minn.	Tysan Corp.	commercial bank	5.27	1.01	7,006	0.24	165,776
65	NetBank Alpharetta, Ga.	NetBank Inc.	thrift	5.25	2.56	130,721	0.39	3,637,603
66	Greater South Texas Bank Falfurrias	none	commercial bank	5.22	7.09	1,147	0.14	31,080
67	State Bank of CokatoMinn.	Cokato Bancshares Inc.	commercial bank	5.18	6.82	2,529	-0.08	60,557
68	Security Bank North Lauderdale, Fla.	CP Capital Asset Acquisition Inc.	commercial bank	5.17	0	5,066	0	121,360
69	Purdum State BankNeb.	none	commercial bank	5.15	6.37	731	2.74	18,835
70	Valley Green Bank Philadelphia	none	commercial bank	5.1	0	1,217	0	39,799
71	First Resource Bank Savage, Minn.	Evans Bancshares Inc.	commercial bank	5.1	0	795	0	22,615
	First National Bank of ColumbiaKy.	Albany Bancorp Inc.	commercial bank	5.08	3.58	5,600	0.83	169,734
73	Gateway Bank of St Louis	Gateway Bancshares Inc.	commercial bank	5.04	1.48	1,876	3.21	54,501
74	United Security Savings Bank FSB Marion, Iowa	United Security Financial Corp.	thrift	5	3.72	1,734	0.56	45,348
75	Putnam County National Bank of Carmel N.Y.	none	commercial bank	4.98	6.47	5,702	-0.01	153,656
76	Mutual Bank Harvey, Ill.	First Mutual Bancorp of Illinois Inc.	commercial bank	4.98	1.74	45,207	0.7	1,169,229
	Bank of MonticelloWis.	none	commercial bank	4.96	2.58	2,511	0.05	68,670
78	Cottonport BankLa.	Mansura Bancshares Inc.	commercial bank	4.95	3.43	6,423	1.13	212,636
79	First Louisiana Bank Shreveport	First Louisiana Bancshares Inc.	commercial bank	4.9	2.75	3,933	1.24	112,563
80	North Valley Bank Zanesville, Ohio	North Valley Bancshares Inc.	commercial bank	4.87	1.12	5,438	0.35	135,376
81	BankVista Sartell, Minn.	ABDO Investments Inc.	commercial bank	4.87	0.14	3,431	0.52	80,337
	Bay Financial Savings Bank FSB Tampa	none	thrift	4.86	5.48	2,234	0.15	67,484
83	Bank of Lake VillageArk.	Southeast Arkansas Bank Corp.	commercial bank	4.83	9.59	1,641	0.26	55,107
84	Citizens Bank Fort Scott, Kan.	First Capital Corp.	commercial bank	4.78	0.68	8,241	0.02	257,433
85	Woodruff Federal Savings and Loan Association S.C.	none	thrift	4.77	7.3	2,423	0.4	88,151
86	Mount Washington Savings and Loan Cincinnati	none	thrift	4.77	4.3	2,554	-0.03	62,688
	Laona State BankWis.	Northern Wisconsin Bank Holding Co. Inc.	commercial bank	4.74	3.58	3,263	0.17	108,893
88	First National Bank of Grand RidgeIll.	G.R. Bancorp Ltd.	commercial bank	4.68	2.1	631	-0.01	26,947
89	First Security Bank and Trust Co. Oklahoma City	none	commercial bank	4.67	0.36	1,961	1.65	54,798
90	North Loup Valley BankNeb.	Loup Valley Bancshares Inc.	commercial bank	4.61	2.51	415	-0.04	16,452
91	Bank of BenningtonNeb.	Hilltop Bancshares Inc.	commercial bank	4.6	0.66	2,412	1.53	61,825
92	First National Bank of Crystal FallsMich.	C.F.C. Bancorp Inc.	commercial bank	4.59	1.45	1,977	-0.02	60,735
93	Bank of GravettArk.	Gravett Bancshares Inc.	commercial bank	4.57	4.65	5,942	0.37	235,224
94	Woodland Bank Remer, Minn.	Remer Bancorp. Inc.	commercial bank	4.57	1.49	3,418	0.38	93,956
	Pinnacle Bank of Oregon Beaverton	none	commercial bank	4.55	0.81	3,926	1.4	90,810
96	Prime Alliance Bank Woods Cross, Utah	none	commercial bank	4.53	0	3,598	0.12	112,440
97	Bison State BankKan.	none	commercial bank	4.51	2.87	197	-0.05	8,194
98	Pioneer Savings Bank Cleveland	none	savings bank	4.49	2.35	657	0	22,135
99	Florida Community Bank Immokalee	Florida Community Banks Inc.	commercial bank	4.47	0.1	38,634	0.03	1,009,299
100	First State Bank Tabor, Iowa	Tabor Enterprises Inc.	commercial bank	4.45	0.51	655	0.17	23,492
101	United Bank of Philadelphia	United Bancshares Inc.	commercial bank	4.44	2.3	1,889	0.1	73,935
102	First State Bank of KensingtonMinn.	Kensington Bancorp. Inc.	commercial bank	4.43	0.04	1,703	0.69	61,315
103	American Heritage Bank Clovis, N.M.	none	commercial bank	4.43	2.4	1,353	0.82	47,618
	Community Bank Winslow, Ill.	Stateline Community Bancshares Inc.	commercial bank	4.43	0	2,658	-0.03	90,196
	American Metro Bank Chicago	American Metro Bancorp Inc.	commercial bank	4.43	1.84	2,597	0	73,313
	First State Bank of KiesterMinn.	Kiester Investments Inc.	commercial bank	4.36	0.79	594	0.01	19,283
107	Paragon Bank Wells, Minn.	Southern Minnesota Bancshares Inc.	commercial bank	4.36	4	1,109	0.7	33,686
	Exchange Bank Gibbon, Neb.	Exchange Co.	commercial bank	4.34	7.12	2,966	0.69	113,539
109	BankStar Financial Elkton, S.D.	Elkton Holding Co.	commercial bank	4.33	2	1,720	0.5	47,245
110	New Buffalo Savings BankMich.	none	thrift	4.33	1.83	4,440	0.01	121,066
	First National Bank of WamegoKan.	Wamego Bancshares Inc.	commercial bank	4.32	5.09	3,373	-0.06	98,535
112	Merchants and Farmers Bank Holly Springs, Miss.	M and F Bancorp Inc.	commercial bank	4.28	4.57	1,631	1.15	66,218
113	Oxford BankMich.	Oxford Bank Corp.	commercial bank	4.28	0.96	16,361	0.47	515,224
	Amboy National Bank Old Bridge, N.J.	Amboy Bancorp.	commercial bank	4.28	0.59	92,967	0.04	2,825,566
	Eagle Community Bank Maple Grove, Minn.	Eagle Community Bancshares Inc.	commercial bank	4.27	0.2	1,056	0	29,304
116	Federation Bank Washington, Iowa	Washington Bancorp	commercial bank	4.25	3.18	3,221	0	103,677
117	First National Bank of BarryIll.	none	commercial bank	4.23	3.41	2,853	0.55	106,762
118	First Savanna Savings BankIll.	none	savings bank	4.21	2.62	301	0.01	11,436
119	Hicksville Building, Loan and Savings Bank Ohio	none	savings bank	4.21	1.63	2,138	0.77	64,530
	State Bank of GilmanWis.	Old Murry Bancorp	commercial bank	4.2	2.36	1,589	0.76	55,131
121	Banner County Bank Inc. Harrisburg, Neb.	Banner County Ban Corp.	commercial bank	4.19	1.01	728	-0.51	27,574
122	First State Bank, PicherOkla.	First Picher Bancshares Inc.	commercial bank	4.17	4.18	175	0.08	6,323
123	First National Bank and Trust Co. of Broken Arrow Okla.	First Broken Arrow Corp.	commercial bank	4.15	1.32	5,380	0.04	180,525
124	Security First Bank Cheyenne, Wyo.	First State Bancshares Inc.	commercial bank	4.14	0.91	1,963	0.53	63,107
125	State Bank of ChiltonWis.	Calumet Bancorp. Inc.	commercial bank	4.13	1.03	6,277	1.42	173,210
126	Farmers State Bank of TrimontMinn.	FSB Holding Co. Inc.	commercial bank	4.12	0.7	1,078	0.54	40,707
127	Muskegon Commerce BankMich.	Capitol Bancorp Ltd.	commercial bank	4.09	1.39	3,325	1.12	96,462
128	Lake Country State Bank Long Prairie, Minn.	Tysan Corp.	commercial bank	4.08	0.43	2,216	0.01	85,731
129	Superior Bank Hazelwood, Mo.	Superior Bancshares Inc.	commercial bank	4.08	0	1,168	0	35,268
	First State Bank Crossett, Ark.	Evergreen Bancshares Inc.	commercial bank	4.07	4.66	624	0.43	27,086
131	First Security Bank RenvilleMinn.	First Sleepy Eye Bancorp. Inc.	commercial bank	4.05	1.08	1,003	0.27	45,642
132	Corner Stone Bank South West City, Mo.	none	commercial bank	4.05	3.96	3,074	0.48	106,112
	K Bank Owings Mills, Md.	K Capital Corp.	commercial bank	4.05	2.04	20,440	0.38	656,681
	Flint Creek Valley Bank Philipsburg, Mont.	Flint Creek Holding Co.	commercial bank	4.04	2.56	1,362	0	50,086
135	Citizens Bank and Trust Rock Port, Mo.	none	commercial bank	4	1.37	1,369	0.11	57,948
136	First National Bank of ManchesterKy.	First National Financial Corp.	commercial bank	4	2.95	3,295	2.21	131,756
	Citizens State Bank of CortezColo.	Citizens Financial Corp.	commercial bank	3.99	4.11	1,707	0.3	78,280
138	BankPacific Ltd. Hagatna, Guam	Trust of Joseph and Angela Flores	thrift	3.99	3.29	2,824	-0.01	84,266
	Glouster Community Bank Lancaster, Ohio	United Bancorp Inc.	commercial bank	3.98	1.03	2,819	1.63	110,813
140	Grand Timber Bank McGregor, Minn.	McGregor Banco Inc.	commercial bank	3.98	2.94	1,704	-0.03	50,009
	Rockhold, Brown and Co. Bank Bainbridge, Ohio	Rockhold-Brown Bancshares Inc.	commercial bank	3.96	3.03	1,069	0.17	33,241
142	First National Bank in Cannon FallsMinn.	Jerema Inc.	commercial bank	3.95	0.34	3,213	0.62	122,131
143	First National Bank of BarnesvilleGa.	none	commercial bank	3.93	1.47	4,024	0.01	123,569
144	First Bank and Trust of Mississippi Winona	Firstrust Corp.	commercial bank	3.89	3.37	1,615	0.42	68,780
145	Lincoln Park Savings Bank Chicago	none	savings bank	3.89	0	6,631	0.05	262,515
	First State Bank of HotchkissColo.	Custer Bancorp.	commercial bank	3.88	2.73	1,245	0	54,197
147	Alden State BankN.Y.	none	commercial bank	3.88	3.88	4,690	0.5	185,439
	Marine Bank, SpringfieldIll.	Marine Bancorp Inc.	commercial bank	3.87	1.6	17,698	1.29	622,146
149	Fortress Bank Westby, Wis.	Merchants and Manufacturers Bancorp. Inc.	commercial bank	3.87	2.21	5,294	1.49	171,359
150	Marine Bank, Springfield, Ill.	Marine Bancorp, Inc.	commercial bank	3.87	1.60	17,698	1.29	622,146

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 of all loans and leases.

Source:

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

, Charlottesville, Va.