Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

On Mar. 31, 2018. Dollars in thousands.

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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

Adjusted nonperforming loan ratio*

 
Rank Name City State Parent Name Company Type Mar. 31 Year earlier Nonperformers** Net chargeoffs*** Assets
1 State Central Bank Bonaparte Iowa Logan Investment Corporation Commercial Bank $38.18 $36.98 $7,629 -0.46 $37,525
2 Markesan State Bank Markesan Wis. Markesan Bancshares, Inc. Commercial Bank 29.04 13.93 29,601 -0.01 139,749
3 Beal Financial Corporation Plano Tex. Savings & Loan HC 21.73 11.67 1,104,547 0.49 7,604,554
4 Beach Community Bank Fort Walton Beach Fla. Beach Community Bancshares, Inc. Commercial Bank 21.64 24.32 68,361 -0.33 475,518
5 First City Bank of Florida Fort Walton Beach Fla. Florida First City Banks, Inc. Commercial Bank 15.28 16.52 17,079 -0.02 179,642
6 State Bank & Trust Company Golden Meadow La. SBT Bancshares, Inc. Commercial Bank 14.93 12.60 13,534 0.16 117,633
7 First State Bank Barboursville W.Va. First Bankshares, Inc. Commercial Bank 14.54 17.58 17,116 0.04 174,239
8 First State Bank of Healy Healy Kan. Commercial Bank 12.58 21.42 5,284 -0.25 73,850
9 Bank of Hazlehurst Hazlehurst Ga. Hazlehurst Investors, Inc. Commercial Bank 12.50 12.83 9,812 0.20 134,216
10 West Texas State Bank Snyder Tex. WTSB Bancorp, Inc. Commercial Bank 12.13 26.84 7,561 -0.04 121,180
11 Valley Bank of Nevada North Las Vegas Nev. Commercial Bank 10.80 10.67 9,212 0.00 119,080
12 Interamerican Bank, A FSB Miami Fla. Savings & Loan Assoc 10.78 13.10 16,808 -1.11 204,922
13 Stonebridge Bank West Chester Pa. Stonebridge Financial Corp. Commercial Bank 10.77 14.49 4,359 -0.10 57,698
14 First Commercial Bank Dexter Mo. Gideon Bancshares Company Commercial Bank 10.46 5.53 15,571 0.00 222,826
15 Peoples Bank & Trust Company of Hazard Hazard Ky. Hazard Bancorp Commercial Bank 9.93 10.92 18,393 2.51 248,000
16 Security State Bank Iron River Wis. Security Bank Shares, Inc. Commercial Bank 9.87 9.19 6,115 -0.03 92,531
17 Gateway Bank, F.S.B. Oakland Calif. Savings & Loan Assoc 9.65 11.93 7,066 0.00 112,450
18 Louisa Community Bank Louisa Ky. Commercial Bank 9.60 1.76 3,103 -0.07 35,980
19 First BanCorp. San Juan P.R. Bank Holding Company 9.52 9.63 835,842 1.26 12,200,386
20 First Credit Bank Los Angeles Calif. Commercial Bank 9.51 8.52 30,260 0.00 447,434
21 Grand Timber Bank McGregor Minn. McGregor Banco, Inc. Commercial Bank 9.50 7.13 2,529 0.03 41,868
22 St. Landry Homestead Federal Savings Bank Opelousas La. Savings & Loan Assoc 9.49 9.24 15,687 0.38 229,935
23 Champion Bank Parker Colo. Commercial Bank 9.41 8.28 3,125 0.00 57,202
24 McCook National Bank McCook Neb. Graff Family, Inc. Commercial Bank 9.37 4.00 22,068 -0.01 361,736
25 Bank, The Oberlin Kan. Decatur Investment, Inc. Commercial Bank 8.96 1.78 23,155 0.05 356,164
26 Santander Holdings USA, Inc. Boston Mass. Banco Santander, SA Bank Holding Company 8.91 7.38 7,315,252 2.80 129,227,891
27 Lake Country Community Bank Morristown Minn. Morristown Holding Company Commercial Bank 8.88 6.06 1,462 -0.12 25,004
28 Civis Bank Rogersville Tenn. Volunteer Bancorp, Inc. Commercial Bank 8.82 7.39 5,769 -0.02 98,364
29 Geauga Savings Bank Newbury Ohio Maple Leaf Financial, Inc. Savings & Loan Assoc 8.74 9.70 15,355 -0.24 279,741
30 United Bank of Philadelphia Philadelphia Pa. United Bancshares, Inc. Commercial Bank 8.39 8.25 3,318 -0.02 59,100
31 Gunnison Valley Bank Gunnison Utah GV Bancorp, Inc. Commercial Bank 8.36 5.68 5,369 2.35 75,542
32 Citizens State Bank of Hayfield Hayfield Minn. Country Bankers, Inc. Commercial Bank 8.33 7.02 5,756 0.00 89,550
33 North Side Federal Savings and Loan Association of Chicago Chicago Ill. Savings & Loan Assoc 8.32 6.47 1,866 0.00 40,979
34 Tri-State Bank of Memphis Memphis Tenn. Commercial Bank 8.15 6.81 4,735 0.90 91,169
United Community Bank Raceland La. Community Bancorp of Louisiana, Inc. Commercial Bank 8.15 5.20 34,920 1.36 536,806
36 Bank of Washington Washington Mo. Diamond Bancorp, Inc. Commercial Bank 8.00 9.80 41,357 -0.09 636,417
37 1st Equity Bank Northwest Buffalo Grove Ill. Northwest Equity Corp. Commercial Bank 7.95 0.14 2,730 0.00 43,759
38 Sunrise Bank Dakota Onida S.D. Adino Company Commercial Bank 7.90 0.00 3,446 9.06 64,845
39 Central Savings Bank Sault Sainte Marie Mich. Central Bank Corporation Commercial Bank 7.89 6.60 11,923 -0.03 249,013
40 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 7.87 6.28 13,647 -0.07 327,181
41 1st Equity Bank Skokie Ill. First Equity Corp. Commercial Bank 7.85 6.89 6,651 0.00 98,960
WestSide Bank Hiram Ga. Commercial Bank 7.85 13.64 6,064 0.00 121,973
43 Thayer County Bank Hebron Neb. Thayer Agency, Inc. Commercial Bank 7.77 4.31 2,718 -0.04 58,387
44 Martinsville First Savings Bank Martinsville Va. Savings & Loan Assoc 7.75 7.81 1,704 0.04 40,616
45 First Federal Savings and Loan Association of Lorain Lorain Ohio Savings & Loan Assoc 7.74 7.02 18,832 0.05 428,075
46 Peoples Bank Eatonton Ga. Peoples Bankshares, Inc. Commercial Bank 7.72 9.63 6,025 0.07 123,102
47 North Alabama Bank Hazel Green Ala. BOLC Corp. Commercial Bank 7.65 5.58 5,068 -0.02 92,734
Resolute Bank Maumee Ohio Princeton Capital Holdings LLC Savings & Loan Assoc 7.65 1.78 1,865 0.06 34,449
49 Citizens Savings Bank Bogalusa La. Savings Bank 7.57 8.50 13,317 0.12 227,653
50 Columbia Bank Lake City Fla. First Columbia Bancorp, Inc. Commercial Bank 7.53 8.72 11,051 -0.12 207,588
51 Grundy National Bank Grundy Va. GNB Bankshares Corporation Commercial Bank 7.45 7.77 11,617 -0.02 310,752
52 Security State Bank of Kenyon Kenyon Minn. Ellingson Corporation Commercial Bank 7.43 10.18 3,443 0.00 55,317
53 MidSouth Bancorp, Inc. Lafayette La. Bank Holding Company 7.36 4.51 83,787 0.52 1,857,755
54 Gwinnett Community Bank Duluth Ga. Community Financial Holding Company, Inc. Commercial Bank 7.32 6.67 11,402 -0.15 258,862
55 Citizens Savings Bank and Trust Company Nashville Tenn. CSB&T Bancorp, Inc. Commercial Bank 7.26 8.32 6,263 0.00 101,278
56 State Exchange Bank Lamont Okla. State Exchange Bancshares, Inc. Commercial Bank 7.23 5.20 4,135 0.00 65,587
57 Fidelity Bank of Florida, National Association Merritt Island Fla. Commercial Bank 7.14 11.83 8,478 0.74 171,774
58 Alma Bank Astoria N.Y. Commercial Bank 7.11 7.17 68,765 -0.02 1,076,468
59 Mechanics and Farmers Bank Durham N.C. M&F Bancorp, Inc. Commercial Bank 7.10 6.53 11,283 2.56 254,628
60 Citizens Bank of Chatsworth Chatsworth Ill. Commercial Bank 7.06 5.48 1,366 0.30 31,640
61 Bank of Grandin Grandin Mo. Commercial Bank 7.02 6.37 6,501 0.32 151,336
62 Gladewater National Bank Gladewater Tex. East Texas Financial Corporation Commercial Bank 6.99 5.32 1,619 0.00 37,255
63 Commercial Bank of Oak Grove Oak Grove Mo. Country Agencies & Investments, Inc. Commercial Bank 6.85 7.84 2,757 -0.38 69,868
River Town Bank Dardanelle Ark. Bank of Dardanelle Bankshares, Inc. Commercial Bank 6.85 4.25 6,248 0.16 136,807
South Lafourche Bank & Trust Company Larose La. Lafourche Bancshares, Inc. Commercial Bank 6.85 10.78 8,452 0.86 154,133
66 Bennington State Bank Salina Kan. Berco, Inc. Commercial Bank 6.83 1.23 34,671 -0.03 689,946
67 Patriots Bank Garnett Kan. Garnett Bancshares, Inc. Commercial Bank 6.73 4.11 5,390 0.00 113,142
68 Jackson County Bank Black River Falls Wis. Wisconsin Bank Services, Inc. Commercial Bank 6.70 0.31 12,376 1.62 251,513
Rosedale Federal Savings and Loan Association Baltimore Md. Savings & Loan Assoc 6.70 6.05 44,801 0.09 962,762
70 City National Bank of New Jersey Newark N.J. City National Bancshares Corporation Commercial Bank 6.62 6.94 8,692 0.10 229,980
71 Farmers & Merchants Bank Lakeland Ga. FMB Bancshares, Inc. Commercial Bank 6.58 8.88 25,715 0.11 506,751
72 Bank of Little Rock Little Rock Ark. Little Rock Bankshares, Inc. Commercial Bank 6.57 1.60 6,910 -0.01 210,048
73 Leaders Bank Oak Brook Ill. Commercial Bank 6.55 12.81 17,498 0.40 324,989
74 Home Loan Investment Bank, F.S.B. Warwick R.I. Prospect Financial Corporation Savings & Loan Assoc 6.54 7.83 16,064 0.16 277,415
Princeville State Bank Princeville Ill. Main Street Bancorp, Inc. Commercial Bank 6.54 1.09 2,663 0.01 77,569
76 West Pointe Bank Oshkosh Wis. West Pointe Bancshares, Inc. Commercial Bank 6.53 6.92 14,784 -0.03 276,476
77 American Founders Bank, Inc. Louisville Ky. Commercial Bank 6.47 7.79 5,974 -0.51 106,211
Crown Bank Elizabeth N.J. Commercial Bank 6.47 9.12 23,988 0.00 547,199
79 Wilmington Savings Bank Wilmington Ohio Commercial Bank 6.46 10.24 9,190 -0.08 163,412
80 F & M Bank and Trust Company Manchester Ga. F & M Holding Company, Inc. Commercial Bank 6.44 7.62 3,158 -0.02 76,019
81 Conway Bank Conway Springs Kan. Norcon Financial Corp. Commercial Bank 6.43 6.85 4,946 0.01 102,687
82 Central Bank Savannah Tenn. Commercial Bank 6.36 7.90 3,689 0.61 94,794
83 Putnam County Bank Hurricane W.Va. Putnam Bancshares, Inc. Commercial Bank 6.35 6.67 23,597 4.56 615,083
84 First National Bank of Ava Ava Ill. Headquarters Holding Company, Inc. Commercial Bank 6.28 5.09 2,137 0.56 62,293
Trinity Capital Corporation Los Alamos N.M. Bank Holding Company 6.28 6.37 44,326 1.60 1,284,414
86 Persons Banking Company Forsyth Ga. Persons Banking Company, Inc. Commercial Bank 6.26 6.64 13,008 0.13 321,036
87 Amboy Bancorporation Old Bridge N.J. Bank Holding Company 6.23 3.94 109,688 -0.06 2,342,387
88 Bank of Kaukauna Kaukauna Wis. Brogan Bankshares, Inc. Commercial Bank 6.20 7.22 4,686 0.00 94,152
Hatboro Federal Savings, FA Hatboro Pa. Savings & Loan Assoc 6.20 6.55 20,499 0.00 496,215
90 South Carolina Community Bank Columbia S.C. SCCB Financial Corporation Commercial Bank 6.13 19.08 1,943 -0.03 52,284
91 Community State Bank Brook Ind. Commercial Bank 6.06 8.42 2,719 -0.14 57,631
Seamen's Bank Provincetown Mass. Savings Bank 6.06 7.26 16,091 0.00 359,706
93 Hebron Savings Bank Hebron Md. HSB Bancorp, Inc. Commercial Bank 6.05 6.56 30,880 0.20 585,196
94 Security State Bank of Hibbing Hibbing Minn. Security Financial Services, Inc. Commercial Bank 6.04 6.56 4,060 0.01 119,370
95 Home National Bank Racine Ohio Commercial Bank 6.01 5.79 2,611 0.28 62,602
Huron National Bank Rogers City Mich. Huron National Bancorp, Inc. Commercial Bank 6.01 6.75 2,414 0.09 63,869
97 Community Shores Bank Muskegon Mich. Community Shores Bank Corporation Commercial Bank 6.00 6.59 8,622 -0.06 194,151
98 First State Bank of Swanville Swanville Minn. Swanville Bancshares, Inc. Commercial Bank 5.95 12.72 993 -0.02 25,413
99 State Bank of Downs Downs Kan. B Bank, Inc. Commercial Bank 5.94 2.98 4,371 0.04 95,833
100 Frontier State Bank Oklahoma City Okla. Commercial Bank 5.93 8.10 23,916 -0.03 602,981
101 EvaBank Cullman Ala. Commercial Bank 5.89 3.42 16,927 0.70 375,600
102 Allied First Bank,sb Oswego Ill. Allied First Bancorp, Inc. Savings Bank 5.88 3.56 3,206 -0.12 83,191
103 ESB Bank Caledonia Minn. Eitzen Independents, Inc. Commercial Bank 5.86 6.61 4,485 0.06 106,143
104 Columbia Savings and Loan Association Milwaukee Wis. Savings & Loan Assoc 5.84 7.83 1,115 0.00 23,741
105 Popular, Inc. Hato Rey P.R. Bank Holding Company 5.83 6.27 1,423,000 0.91 45,757,000
106 Freedom Bank, Inc. Belington W.Va. Freedom Bancshares, Inc. Commercial Bank 5.82 7.47 7,509 0.13 161,729
107 Synergy Bank Houma La. Synergy Bancshares, Inc. Commercial Bank 5.75 7.54 20,073 0.00 518,708
108 Carter Bank & Trust Martinsville Va. Commercial Bank 5.74 4.35 152,736 0.00 4,112,793
109 First South Bank Spartanburg S.C. First South Bancorp, Inc. Commercial Bank 5.73 8.61 9,354 -0.09 229,202
110 Carver State Bank Savannah Ga. Carver Financial Corporation Commercial Bank 5.72 5.34 1,484 0.11 41,098
111 Southwest Capital Bank Albuquerque N.M. Las Vegas Bancorporation, Inc. Commercial Bank 5.68 6.45 15,235 0.56 368,894
112 Farmers Bank Parsons Tenn. Townsend Financial Corporation Commercial Bank 5.65 2.20 1,096 0.44 36,277
State Bank of Newburg Newburg Wis. SBN Community Bancorp, Inc. Commercial Bank 5.65 5.91 7,874 0.11 171,734
114 Mutual Savings Association, FSA Leavenworth Kan. Savings & Loan Assoc 5.63 6.72 6,690 0.00 208,848
115 Grant County Bank Ulysses Kan. Resource One, Inc. Commercial Bank 5.59 6.73 7,901 0.05 226,716
116 Systematic Savings Bank Springfield Mo. Savings & Loan Assoc 5.56 0.75 2,162 0.00 44,403
117 Central Federal Savings and Loan Association Cicero Ill. Savings & Loan Assoc 5.54 6.83 6,138 0.06 180,858
First National Community Bank New Richmond Wis. One Corporation Commercial Bank 5.54 4.67 6,892 0.00 199,127
Valley Bank of Ronan Ronan Mont. Valley Holding Company Commercial Bank 5.54 1.99 3,246 0.03 101,798
120 Kentland Federal Savings and Loan Association Kentland Ind. Savings & Loan Assoc 5.53 5.86 242 0.00 4,662
121 First Federal Savings and Loan Association of Bath Bath Maine Savings & Loan Assoc 5.52 5.67 5,951 -0.06 127,230
122 Rolette State Bank Rolette N.D. Commercial Bank 5.47 5.02 1,567 0.03 39,210
123 Farmers State Bank Mountain City Tenn. Farmers State Bancshares, Inc. Commercial Bank 5.44 7.75 4,873 0.07 144,010
Plains Commerce Bank Hoven S.D. Commercial Bank 5.44 5.28 28,054 -0.04 646,743
125 First National Bank of Hope Hope Kan. Hope Bancshares, Inc. Commercial Bank 5.43 6.12 3,067 0.66 83,852
126 Community Bank and Trust Company Muscatine Iowa C-B-G, Inc. Commercial Bank 5.42 1.55 8,153 3.91 247,200
127 HomePride Bank Mansfield Mo. Banc 60, Inc. Commercial Bank 5.41 11.49 4,143 0.04 100,912
128 Woodruff Federal Savings and Loan Association Woodruff S.C. Savings & Loan Assoc 5.35 2.54 2,986 0.00 89,017
129 Community Bank of Trenton Trenton Ill. CBT Bancorp, Inc. Commercial Bank 5.30 8.41 3,067 0.22 81,712
130 Citizens State Bank Hugoton Kan. Hugoton Bancshares, Inc. Commercial Bank 5.28 0.00 4,135 -0.07 122,956
131 Sherwood State Bank Sherwood Ohio Sherwood Banc Corporation Commercial Bank 5.25 2.27 2,129 0.04 64,790
132 Blue Grass Valley Bank Blue Grass Va. Commercial Bank 5.23 5.26 1,515 -0.07 44,658
133 Normangee State Bank Normangee Tex. Normangee Bancshares, Inc. Commercial Bank 5.21 7.24 4,018 1.89 125,199
134 McHenry Savings Bank McHenry Ill. McHenry Bancorp, Inc. Savings Bank 5.20 7.30 7,694 0.09 224,602
Union State Bank of West Salem West Salem Wis. Commercial Bank 5.20 3.54 3,274 0.06 80,525
136 Gibsland Bank & Trust Company Gibsland La. Gibsland Bancshares, Inc. Commercial Bank 5.18 3.02 15,523 0.31 415,541
137 Lafayette State Bank Mayo Fla. Commercial Bank 5.16 18.37 2,774 -0.22 86,919
138 Bank of Galesville Galesville Wis. Gale Bank Holding Company, Inc. Commercial Bank 5.15 4.90 3,886 -0.31 92,895
Clover Community Bank Clover S.C. Clover Community Bankshares, Inc. Commercial Bank 5.15 2.25 3,581 0.01 130,221
Farmers Security Bank Washburn N.D. McLean Bank Holding Company Commercial Bank 5.15 3.12 1,715 0.08 57,562
141 Peoples Bank Mt. Washington Mount Washington Ky. Crossroads Bancorp, Inc. Commercial Bank 5.14 5.59 2,822 -0.03 88,662
142 New York Private Bank & Trust Corporation New York N.Y. Bank Holding Company 5.13 5.96 223,065 -0.02 6,307,781
143 Taylorsville Savings Bank, SSB Taylorsville N.C. Savings Bank 5.12 3.97 4,135 0.06 100,183
144 Park Bank Holmen Wis. Golden Oak Bancshares, Inc. Commercial Bank 5.08 4.63 1,682 1.99 58,982
145 First Security Bank & Trust Company Charles City Iowa Cedar Valley Bankshares, Ltd. Commercial Bank 5.06 4.22 15,105 0.01 495,380
International Bank of Chicago Chicago Ill. IBC Bancorp, Inc. Commercial Bank 5.06 8.09 21,472 0.01 579,218
147 Anna-Jonesboro National Bank Anna Ill. Union County Bancshares, Inc. Commercial Bank 5.05 7.15 5,951 0.55 232,866
Medallion Bank Salt Lake City Utah Medallion Financial Corp. Commercial Bank 5.05 5.74 47,814 5.34 1,008,523
149 Farmers Savings Bank Wever Iowa FSB Bancorp Commercial Bank 5.04 2.70 5,572 -0.04 132,457
150 State Savings Bank Rake Iowa Rake Bancorporation Commercial Bank 5.03 3.30 3,282 0.00 73,470
151 American Bank of the North Nashwauk Minn. Mesaba Bancshares, Inc. Commercial Bank 4.98 6.69 21,601 0.76 540,277
First Southern Bank Patterson Ga. Commercial Bank 4.98 4.60 3,670 2.82 113,652
153 First Central Savings Bank Glen Cove N.Y. Savings Bank 4.97 5.63 24,129 0.26 577,066
154 Benton State Bank Benton Wis. BSB Community Bancorporation, Inc. Commercial Bank 4.95 2.54 2,828 0.22 64,834
155 First National Bank of Wauchula Wauchula Fla. First Hardee Holding Corporation Commercial Bank 4.94 6.58 2,212 -0.04 74,395
156 Lumbee Guaranty Bank Pembroke N.C. Commercial Bank 4.93 5.41 8,550 0.01 315,607
157 Harrison Building and Loan Association Harrison Ohio Savings & Loan Assoc 4.91 5.05 5,694 0.00 218,365
158 Community State Bank Union Grove Wis. Union Bancorporation, Inc. Commercial Bank 4.88 7.02 10,543 0.29 379,025
First Federal Bank & Trust Sheridan Wyo. Savings & Loan Assoc 4.88 3.41 9,250 0.17 299,575
160 First Federal Savings Bank Rochester Ind. American Midwest Financial Corp. Savings & Loan Assoc 4.86 5.39 15,138 0.09 393,361
New Buffalo Savings Bank New Buffalo Mich. New Bancorp, Inc. Savings & Loan Assoc 4.86 3.44 4,675 0.00 121,562
162 Community First Bank Maywood Neb. UniBanc Corp. Commercial Bank 4.83 2.29 4,315 -0.20 127,263
Superior Savings Bank Superior Wis. Savings Bank 4.83 3.98 2,124 0.00 65,644
164 Morganton Savings Bank, S.S.B. Morganton N.C. Savings Bank 4.82 8.92 2,240 0.00 80,627
165 Citizens Bank Nashville Ga. Nashville Holding Company Commercial Bank 4.80 5.33 8,000 0.37 257,092
166 MCNB Bank and Trust Co. Welch W.Va. MCNB Banks, Inc. Commercial Bank 4.77 3.50 9,339 0.45 295,097
167 National Bank of Andrews Andrews Tex. Andrews Bancshares, Inc. Commercial Bank 4.74 0.99 5,274 0.09 192,540
168 Cass County Bank, Inc. Plattsmouth Neb. Citizens National Corporation Commercial Bank 4.70 0.98 2,572 -0.11 70,081
Cowboy State Bank Ranchester Wyo. Cowboy State Bancorp, Inc. Commercial Bank 4.70 1.55 1,353 0.00 44,033
170 Ladysmith Federal Savings and Loan Association Ladysmith Wis. Savings & Loan Assoc 4.68 5.82 1,597 0.00 50,102
171 Johnson County Bank Mountain City Tenn. Commercial Bank 4.66 4.57 3,091 0.07 119,965
172 Sallie Mae Bank Salt Lake City Utah SLM Corporation Commercial Bank 4.64 3.84 947,688 0.69 23,267,239
173 First National Bank of Winnsboro Winnsboro Tex. Etex Banco, Inc. Commercial Bank 4.63 5.27 4,216 0.00 141,344
Miners Exchange Bank Coeburn Va. Commercial Bank 4.63 3.83 2,492 0.28 94,866
175 Security Bank, s.b. Springfield Ill. Savings Bank 4.62 5.18 4,504 -0.01 124,007
176 Merchants & Farmers Bank of Greene County Eutaw Ala. Merchants and Farmers Bancshares, Inc. Commercial Bank 4.60 2.80 1,595 0.04 60,530
177 First Bank, Upper Michigan Gladstone Mich. First Bancshares Corporation Commercial Bank 4.58 2.90 15,292 0.10 458,053
178 Bank of Landisburg Landisburg Pa. Commercial Bank 4.57 4.52 9,585 0.04 281,311
Equity Bank Minnetonka Minn. Equity Bank Holding Company, Inc. Commercial Bank 4.57 1.65 1,893 0.00 47,212
180 First National Bank in Fairfield Fairfield Iowa Iowa First Bancshares Corp. Commercial Bank 4.56 0.69 6,003 1.42 163,705
181 First NaturalState Bank McGehee Ark. First National Financial Corporation Commercial Bank 4.55 0.57 1,337 0.01 54,280
182 First Exchange Bank Mannington W.Va. Heritage Bancshares, Inc. Commercial Bank 4.53 3.20 9,595 0.01 244,799
183 OFG Bancorp San Juan P.R. Bank Holding Company 4.51 4.04 193,902 1.10 6,247,121
Soy Capital Bank and Trust Company Decatur Ill. SCB Bancorp, Inc. Commercial Bank 4.51 1.28 11,568 -0.01 437,836
185 Ashton State Bank Ashton Neb. Commercial Bank 4.50 5.93 738 -0.10 21,771
Homestead Savings Bank Albion Mich. Savings & Loan Assoc 4.50 5.10 2,208 -0.20 66,147
187 Northwoods Bank of Minnesota Park Rapids Minn. Dorset Bancshares, Inc. Savings & Loan Assoc 4.49 3.58 2,983 0.01 112,732
188 Citizens Bank of Newburg Rolla Mo. Newburg Insurance Agency, Inc. Commercial Bank 4.48 7.24 4,569 -0.01 155,147
County Bank Rehoboth Beach Del. CB Financial Corporation Commercial Bank 4.48 5.71 11,908 0.10 350,172
Farmers-Merchants Bank & Trust Company Breaux Bridge La. Commercial Bank 4.48 7.55 9,965 0.13 303,173
191 Community National Bank in Monmouth Monmouth Ill. Commercial Bank 4.47 4.53 1,073 0.21 43,758
192 Bay Bank Green Bay Wis. Bay Bancorporation, Inc. Commercial Bank 4.45 6.35 2,576 -0.03 89,675
193 Cornerstone Bank Atlanta Ga. Cornerstone Bancshares, Inc. Savings & Loan Assoc 4.44 3.92 7,816 0.47 271,081
VISIONBank Fargo N.D. Vision Bank Holdings, Inc. Commercial Bank 4.44 4.18 7,362 0.00 182,189
195 Great Plains Bank Eureka S.D. Great Plains Bank Corporation Commercial Bank 4.43 1.87 4,117 0.00 102,596
196 Peoples State Bank Lake City Fla. PSB BancGroup, Inc. Commercial Bank 4.40 5.53 3,150 -0.02 84,551
197 Farmers and Merchants Bank of Mound City, Kansas Mound City Kan. Cunningham Agency, Inc. Commercial Bank 4.39 4.67 1,393 -0.21 38,871
First State Bank of Bigfork Bigfork Minn. Bigfork Bancshares, Inc. Commercial Bank 4.39 4.77 2,619 -0.01 77,387
Heritage Bank Hinesville Ga. Heritage Bancorporation, Inc. Commercial Bank 4.39 8.84 13,416 0.16 546,048
Security State Bank Radcliffe Iowa Drake Holding Company Commercial Bank 4.39 2.54 2,267 0.01 96,746

Data from preliminary quarterly call reports. Excludes institutions whose loans were less than 50% of assets.
*Nonperforming loans net of the delinquent U.S. government-guaranteed portion, divided by total loans.
**Sum total of nonaccruing loans (excluding debt securities and other assets) and restructured loans, minus the guaranteed portion of nonaccruing loans wholly or partially guaranteed by the U.S. government.
***Chargeoffs, minus recoveries credited to the loan allowance. For savings institutions, net chargeoffs related to specific valuation allowance are included. Divided by average loans and leases.
Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of June 22, 2018.
© 2018 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)