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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

December 30, 2019, 10:32 a.m. EST 1 Min Read

On Sep. 30, 2019. Dollars in thousands.

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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios
Rank Name City State Parent Name Company Type

Adjusted nonperforming loan ratio*

 Nonperformers** Net chargeoffs*** Assets
Sep. 30 Year earlier
1 State Central Bank Bonaparte Iowa Logan Investment Corporation Commercial Bank $43.51 $37.47 $8,533 -0.20 $37,744
2 First State Bank of Malta Malta Mont. FS Banco, Inc. Commercial Bank 27.44 8.07 26,723 0.11 135,574
3 First State Bank Barboursville W.Va. First Bankshares, Inc. Commercial Bank 18.39 16.93 17,672 0.25 157,725
4 Almena State Bank Almena Kan. Almena Investments LLC Commercial Bank 17.03 1.60 11,828 7.60 86,161
5 Jackson County Bank Black River Falls Wis. Wisconsin Bank Services, Inc. Commercial Bank 16.58 13.26 16,631 3.45 200,415
6 First City Bank of Florida Fort Walton Beach Fla. Florida First City Banks, Inc. Commercial Bank 16.44 17.75 13,891 0.36 146,119
7 First National Bank of Hope Hope Kan. Hope Bancshares, Inc. Commercial Bank 13.63 8.88 7,603 2.38 84,204
8 AllNations Bank Calumet Okla. AllNations Bancorporation, Inc. Commercial Bank 13.60 3.60 3,273 -0.03 44,991
9 Tri-State Bank of Memphis Memphis Tenn. Commercial Bank 12.84 9.88 6,197 0.17 89,494
10 Community Bank of Oklahoma Verden Okla. Commercial Bank 12.08 0.07 3,548 0.00 40,999
11 Security State Bank of Kenyon Kenyon Minn. Ellingson Corporation Commercial Bank 11.49 12.67 5,198 0.00 55,135
12 Home Loan State Bank Grand Junction Colo. Commercial Bank 11.15 4.26 7,555 0.00 126,516
13 Union Bank of Blair Blair Wis. Lake Shore III Corporation Commercial Bank 11.00 3.55 9,081 0.65 109,710
14 Bank of Hazlehurst Hazlehurst Ga. Hazlehurst Investors, Inc. Commercial Bank 10.99 13.22 7,201 0.06 118,774
15 Fowler State Bank Fowler Kan. FSB Bankshares, Inc. Commercial Bank 10.21 3.00 4,988 0.18 77,170
16 Sunrise Bank Dakota Onida S.D. Adino Company Commercial Bank 9.34 4.88 3,534 2.20 52,189
17 Gorham State Bank Gorham Kan. Commercial Bank 9.13 0.00 1,739 0.00 28,170
18 Iowa State Bank Clarksville Iowa Clarkel, Inc. Commercial Bank 8.86 6.19 23,303 1.52 380,664
19 State Exchange Bank Lamont Okla. State Exchange Bancshares, Inc. Commercial Bank 8.85 12.97 4,633 -0.37 66,093
20 Corydon State Bank Corydon Iowa Dentel Bancorporation Commercial Bank 8.81 2.75 7,187 11.86 100,013
21 First Central Bank McCook McCook Neb. Central Bancshares, Inc. Commercial Bank 8.34 1.98 8,695 0.49 121,035
22 Bank, The Oberlin Kan. Decatur Investment, Inc. Commercial Bank 8.27 8.66 19,337 0.00 330,653
23 Lafayette State Bank Mayo Fla. Commercial Bank 8.18 4.99 5,374 -0.71 105,507
24 United Bank of Philadelphia Philadelphia Pa. United Bancshares, Inc. Commercial Bank 8.09 8.81 2,560 0.09 49,570
25 Mercantile Bank of Louisiana, Missouri Louisiana Mo. Northeast Missouri Bancshares, Inc. Commercial Bank 7.84 1.02 5,759 -0.02 110,074
26 Bank of Grandin Grandin Mo. Commercial Bank 7.61 6.71 7,665 0.74 168,881
27 Davis Trust Company Elkins W.Va. Davis Trust Financial Corporation Commercial Bank 7.56 3.03 7,294 0.01 146,355
28 Integrity Bank Plus Wabasso Minn. Wabasso Bancshares, Inc. Commercial Bank 7.52 7.25 3,302 0.00 63,569
Marquette Farmers State Bank of Marquette Marquette Kan. Commercial Bank 7.52 8.45 1,213 0.23 28,770
Union Bank Jamestown Tenn. Jamestown Union Bancshares, Inc. Commercial Bank 7.52 4.31 7,719 0.07 198,182
31 Citizens Savings Bank Bogalusa La. Savings Bank 7.49 7.68 14,013 0.22 233,976
32 Cornerstone Bank Atlanta Ga. Cornerstone Bancshares, Inc. Savings & Loan Assoc 7.38 6.95 9,784 0.04 192,840
33 Ericson State Bank Ericson Neb. Wheeler County Bancshares, Inc. Commercial Bank 7.36 0.00 7,047 0.07 113,021
34 Rolette State Bank Rolette N.D. Commercial Bank 7.32 5.31 2,350 0.53 40,138
35 1st Equity Bank Skokie Ill. First Equity Corp. Commercial Bank 7.21 5.81 5,364 0.00 95,211
36 KansasLand Bank Quinter Kan. KansasLand Bancshares, Inc. Commercial Bank 7.14 0.56 2,550 0.00 52,661
37 Farmers Savings Bank Wever Iowa FSB Bancorp Commercial Bank 7.01 6.47 6,117 0.27 112,483
38 Martinsville First Savings Bank Martinsville Va. Savings & Loan Assoc 6.99 12.63 1,448 -0.04 39,024
39 Alma Bank Astoria N.Y. Commercial Bank 6.94 6.62 72,261 0.15 1,190,423
40 Geauga Savings Bank Newbury Ohio Maple Leaf Financial, Inc. Savings & Loan Assoc 6.86 7.37 12,586 0.02 274,832
Mutual Federal Bank (MHC) Chicago Ill. Mutual Federal Bancorp, MHC Savings & Loan Assoc 6.86 3.19 4,038 0.00 71,805
42 First BanCorp. San Juan P.R. Bank Holding Company 6.83 10.13 615,016 0.63 12,530,713
43 North Side Federal Savings and Loan Association of Chicago Chicago Ill. Savings & Loan Assoc 6.77 5.70 1,679 0.00 39,666
44 Garfield County Bank Jordan Mont. Garfield County Bancshares, Inc. Commercial Bank 6.68 6.32 4,821 0.00 88,904
45 Peoples Bank & Trust Company of Hazard Hazard Ky. Hazard Bancorp Commercial Bank 6.67 8.03 10,931 0.92 235,129
46 Farmers Bank Carnegie Okla. Farmers Bancapital Corporation Commercial Bank 6.66 1.28 4,981 26.17 90,723
47 Prairie Community Bank Marengo Ill. Marengo Bancshares, Inc. Commercial Bank 6.65 3.96 6,392 0.42 125,072
48 Amboy Bancorporation Old Bridge N.J. Bank Holding Company 6.62 7.27 108,558 -0.04 2,340,572
49 Civis Bank Rogersville Tenn. Volunteer Bancorp, Inc. Commercial Bank 6.53 8.69 3,596 0.10 88,864
50 Vermont State Bank Vermont Ill. Commercial Bank 6.50 2.47 1,605 1.05 29,932
51 Valley Bank of Ronan Ronan Mont. Valley Holding Company Commercial Bank 6.47 8.26 4,188 0.02 104,234
52 First State Bank of Healy Healy Kan. Commercial Bank 6.44 18.48 3,042 -0.05 77,099
53 Andes State Bank Lake Andes S.D. Randall Bancshares, Inc. Commercial Bank 6.41 7.82 737 -0.03 22,285
54 Southwest Capital Bank Albuquerque N.M. Las Vegas Bancorporation, Inc. Commercial Bank 6.37 4.61 15,159 -0.01 344,327
55 First Federal Savings and Loan Association of Lorain Lorain Ohio Savings & Loan Assoc 6.33 7.71 17,182 0.02 440,839
56 Baxter State Bank Baxter Springs Kan. Baxter Bancshares, Inc. Commercial Bank 6.31 7.45 921 0.03 25,447
EvaBank Cullman Ala. Commercial Bank 6.31 5.49 17,517 0.85 380,224
58 Rosedale Federal Savings and Loan Association Baltimore Md. Savings & Loan Assoc 6.30 6.02 45,088 0.02 961,485
59 St. Landry Homestead Federal Savings Bank Opelousas La. Savings & Loan Assoc 6.23 6.89 10,141 0.00 219,997
60 Popular, Inc. Hato Rey P.R. Bank Holding Company 6.21 5.88 1,666,000 1.04 52,480,000
61 First Federal Savings and Loan Association of Bath Bath Maine Savings & Loan Assoc 6.14 5.77 7,252 -0.21 135,763
62 State Savings Bank Rake Iowa Rake Bancorporation Commercial Bank 6.12 3.60 3,967 1.28 75,587
63 Concordia Bank Concordia Mo. Northern Missouri Bancshares, Inc. Commercial Bank 6.10 6.01 3,416 0.00 73,679
64 Wilmington Savings Bank Wilmington Ohio Commercial Bank 6.05 6.42 7,841 0.00 161,857
65 Gateway Bank, F.S.B. Oakland Calif. Savings & Loan Assoc 5.98 9.76 4,729 0.00 118,452
66 Farmers & Merchants Bank Lakeland Ga. FMB Bancshares, Inc. Commercial Bank 5.93 7.01 21,357 0.17 490,892
First Central Bank Cambridge Neb. Central Bancshares, Inc. Commercial Bank 5.93 0.10 4,852 -0.01 111,286
68 Beal Financial Corporation Plano Tex. Savings & Loan HC 5.92 21.50 250,216 0.16 6,358,818
69 Home National Bank Racine Ohio Commercial Bank 5.90 5.84 2,687 0.35 70,364
70 Interamerican Bank, A FSB Miami Fla. Savings & Loan Assoc 5.88 8.92 9,955 0.03 199,184
71 West Pointe Bank Oshkosh Wis. West Pointe Bancshares, Inc. Commercial Bank 5.87 5.99 13,418 -1.80 283,288
72 Sicily Island State Bank Sicily Island La. Commercial Bank 5.82 0.85 2,799 0.12 63,037
73 Whitaker Bank, Inc. Lexington Ky. Whitaker Bank Corporation of Kentucky Commercial Bank 5.80 6.50 37,518 0.30 1,168,076
74 Raritan State Bank Raritan Ill. Raritan State Bancorp, Inc. Commercial Bank 5.78 4.08 7,891 0.28 182,237
75 Valley Bank of Nevada North Las Vegas Nev. Commercial Bank 5.77 7.45 5,287 0.00 143,188
76 State Bank of Toledo Toledo Iowa Tama County Abstract Company Commercial Bank 5.72 3.57 5,923 0.00 114,211
77 Citizens State Bank of Hayfield Hayfield Minn. Country Bankers, Inc. Commercial Bank 5.63 6.63 3,960 5.24 103,109
78 West Texas State Bank Snyder Tex. WTSB Bancorp, Inc. Commercial Bank 5.59 12.04 3,735 0.06 133,121
79 Peoples Bank Eatonton Ga. Peoples Bankshares, Inc. Commercial Bank 5.58 7.59 4,502 0.20 130,029
80 First Credit Bank Los Angeles Calif. Commercial Bank 5.57 9.10 17,684 0.00 454,648
81 Ford County State Bank Spearville Kan. Commercial Bank 5.55 3.53 1,523 1.72 38,742
82 Carver State Bank Savannah Ga. Carver Financial Corporation Commercial Bank 5.54 4.08 1,371 0.05 41,252
83 Colonial Savings, F.A. Fort Worth Tex. First Western Mortgage Corporation Savings & Loan Assoc 5.52 6.52 31,463 0.05 1,121,689
Community State Bank Brook Ind. Commercial Bank 5.52 6.21 2,796 0.40 67,903
85 Santander Holdings USA, Inc. Boston Mass. Banco Santander, SA Bank Holding Company 5.49 7.34 5,097,024 2.77 147,185,414
86 New Frontier Bank Saint Charles Mo. Lincoln County Bancorp, Inc. Commercial Bank 5.47 6.57 3,482 0.00 97,483
87 Community First Bank Maywood Neb. UniBanc Corp. Commercial Bank 5.46 2.95 4,812 0.06 122,016
88 Farmers & Merchants Bank Eatonton Ga. Putnam-Greene Financial Corporation Commercial Bank 5.41 12.03 5,422 -4.02 181,367
89 Bank of Washington Washington Mo. Diamond Bancorp, Inc. Commercial Bank 5.40 6.96 32,254 -0.04 721,254
Wayne County Bank Waynesboro Tenn. Wayne County Bancshares, Inc. Commercial Bank 5.40 3.71 12,134 0.24 314,316
91 Peoples Bank Pratt Kan. Peoples Bankshares Ltd. Commercial Bank 5.39 0.28 12,308 0.33 348,890
92 F & M Bank and Trust Company Manchester Ga. F & M Holding Company, Inc. Commercial Bank 5.34 6.14 2,421 0.45 67,987
93 Alva State Bank & Trust Company Alva Okla. Grace Investment Company, Inc. Commercial Bank 5.32 4.74 15,618 4.25 405,622
94 Bank of Carbondale Carbondale Ill. Carbondale Investment Corporation Commercial Bank 5.28 1.23 7,739 0.15 246,160
Laona State Bank Laona Wis. Northern Wisconsin Bank Holding Company, Inc. Commercial Bank 5.28 3.64 6,018 -0.16 205,649
96 MCNB Bank and Trust Co. Welch W.Va. MCNB Banks, Inc. Commercial Bank 5.27 5.01 11,177 0.08 297,796
Sallie Mae Bank Salt Lake City Utah SLM Corporation Commercial Bank 5.27 4.91 1,324,024 1.13 31,019,820
98 Frontier State Bank Oklahoma City Okla. Commercial Bank 5.24 5.32 20,796 1.93 590,822
99 State Bank of Newburg Newburg Wis. SBN Community Bancorp, Inc. Commercial Bank 5.23 4.09 7,516 0.01 186,649
100 Bennington State Bank Salina Kan. Berco, Inc. Commercial Bank 5.21 6.77 24,466 -0.16 705,983
Ergo Bank Markesan Wis. FS BancShares, Inc. Commercial Bank 5.21 4.02 3,577 0.10 91,080
Four Corners Community Bank Farmington N.M. Commercial Bank 5.21 3.72 14,066 0.02 370,888
103 Foresight Bank Plainview Minn. Plainview Bankshares, Inc. Commercial Bank 5.16 3.95 10,335 -0.01 262,568
104 Eastern Savings Bank, FSB Hunt Valley Md. Savings & Loan Assoc 5.15 4.92 12,127 -0.01 315,659
105 Columbia Bank Lake City Fla. PBD Holdings, LLC Commercial Bank 5.14 6.23 8,034 -0.22 210,782
Thayer County Bank Hebron Neb. Thayer Agency, Inc. Commercial Bank 5.14 6.83 2,243 -0.01 64,334
107 Peoples State Bank Prairie Du Chien Wis. Peoples Bancorp, Inc. Commercial Bank 5.12 1.27 27,163 -0.01 792,287
108 Grand Timber Bank McGregor Minn. McGregor Banco, Inc. Commercial Bank 5.11 7.38 1,620 0.32 43,934
109 Carrollton Federal Bank Carrollton Ky. Savings & Loan Assoc 5.09 3.13 1,250 -0.05 32,086
Town & Country Bank Las Vegas Nev. West Point Bancorp, Inc. Commercial Bank 5.09 5.24 5,805 0.00 163,117
111 Grand Rivers Community Bank Grand Chain Ill. Main Street Bancshares, Inc. Commercial Bank 5.05 2.22 968 -0.02 31,814
Security State Bank Iron River Wis. Security Bank Shares, Inc. Commercial Bank 5.05 6.41 3,809 0.01 104,282
113 Farmers-Merchants Bank & Trust Company Breaux Bridge La. Commercial Bank 4.98 5.43 12,587 0.10 321,185
114 Bank of Vici Vici Okla. Vici Bancorporation Commercial Bank 4.97 5.30 931 -0.13 34,883
115 Farmers State Bank Mountain City Tenn. Farmers State Bancshares, Inc. Commercial Bank 4.96 5.18 4,639 0.38 144,451
116 Heritage State Bank Lawrenceville Ill. HBancorporation, Inc. Commercial Bank 4.94 5.14 3,485 -0.48 82,200
117 Central State Bank Clayton Ill. Clayton Bancshares, Inc. Commercial Bank 4.93 1.05 6,398 0.03 144,220
Peoples State Bank of Velva Velva N.D. Beall Bancshares Inc. Commercial Bank 4.93 3.50 4,703 -0.36 115,212
119 Farmers Bank Parsons Tenn. Townsend Financial Corporation Commercial Bank 4.89 7.27 938 1.04 37,378
120 Central Savings Bank Sault Sainte Marie Mich. Central Bank Corporation Commercial Bank 4.88 5.14 7,626 0.44 271,200
121 Farmers and Merchants Bank of Mound City, Kansas Mound City Kan. Cunningham Agency, Inc. Commercial Bank 4.86 4.76 1,542 0.52 39,715
122 Citizens Savings Bank and Trust Company Nashville Tenn. CSB&T Bancorp, Inc. Commercial Bank 4.85 4.19 3,914 0.07 99,727
123 Emerald Bank Burden Kan. Commercial Bank 4.81 2.92 519 -0.48 17,987
124 Bank of Okolona Okolona Miss. Bancorp of Okolona, Inc. Commercial Bank 4.80 1.22 6,599 0.61 200,865
Central Bank Savannah Tenn. Commercial Bank 4.80 6.12 3,150 -0.14 98,606
Murphy-Wall State Bank and Trust Company Pinckneyville Ill. Murphy-Wall Bancorp, Inc. Commercial Bank 4.80 1.72 3,666 0.29 128,520
127 Hiawatha National Bank Hager City Wis. Lake Shore III Corporation Commercial Bank 4.79 2.96 8,418 -0.03 235,657
128 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 4.76 6.83 9,394 -0.11 334,155
Huron National Bank Rogers City Mich. Huron National Bancorp, Inc. Commercial Bank 4.76 6.59 1,758 0.41 63,922
130 Columbia Savings and Loan Association Milwaukee Wis. Savings & Loan Assoc 4.72 6.96 811 0.00 22,512
131 Continental Bank Salt Lake City Utah Continental Bancorporation Commercial Bank 4.70 5.18 6,136 1.78 152,949
First National Community Bank New Richmond Wis. One Corporation Commercial Bank 4.70 5.05 6,489 0.96 206,941
133 Scotiabank de Puerto Rico San Juan P.R. Bank of Nova Scotia Commercial Bank 4.67 3.85 99,346 -0.08 3,508,462
134 Bank of Evergreen Evergreen Ala. Commercial Bank 4.64 4.68 1,617 1.15 60,379
135 First Central Savings Bank Glen Cove N.Y. Savings Bank 4.63 6.17 22,782 -0.06 595,175
SSB Bank (MHC) Pittsburgh Pa. SSB Bancorp, MHC Savings Bank 4.63 2.56 7,418 0.13 201,184
State Bank of Downs Downs Kan. B Bank, Inc. Commercial Bank 4.63 7.36 3,383 0.00 92,483
138 Commerce Bank of Arizona, Inc. Tucson Ariz. CBOA Financial, Inc. Commercial Bank 4.61 3.82 8,217 -0.23 251,412
139 Hustisford State Bank Hustisford Wis. Hustisford Community Bancorp., Inc. Commercial Bank 4.60 1.91 2,103 0.01 55,903
140 New York Private Bank & Trust Corporation New York N.Y. Bank Holding Company 4.59 5.94 193,764 0.69 5,697,320
141 Citizens Bank of Chatsworth Chatsworth Ill. CBC Financial, Inc. Commercial Bank 4.58 6.58 890 1.57 31,184
142 Grant County Bank Ulysses Kan. Resource One, Inc. Commercial Bank 4.57 5.72 6,739 0.45 227,461
143 Hodge Bank & Trust Company Hodge La. Hodge Bancshares, Inc. Commercial Bank 4.53 2.43 2,269 0.14 70,865
144 Monterey County Bank Monterey Calif. Northern California Bancorp, Inc. Commercial Bank 4.50 4.66 4,071 0.33 171,551
Seamen's Bank Provincetown Mass. Savings Bank 4.50 5.62 12,909 0.00 401,673
146 Bank of Edmonson County Brownsville Ky. Edmonson Bancshares, Inc Commercial Bank 4.48 2.58 7,166 0.00 217,905
Randall State Bank Randall Minn. Randall Bancorp, Inc. Commercial Bank 4.48 4.05 1,569 0.00 46,880
148 Resource Bank, National Association DeKalb Ill. Resource Bancshares, Inc. Commercial Bank 4.44 3.45 13,454 -0.02 526,851
149 First Security Bank & Trust Company Charles City Iowa Cedar Valley Bankshares, Ltd. Commercial Bank 4.41 5.01 13,419 0.01 493,569
150 Enterprise Bank Allison Park Pa. Enterprise Financial Services Group, Inc. Commercial Bank 4.39 2.55 11,335 0.00 310,815
Fredonia Valley Bank Fredonia Ky. Fredonia Valley Bancorp, Inc. Commercial Bank 4.39 0.79 2,511 0.55 81,047
152 Bank of Kaukauna Kaukauna Wis. Brogan Bankshares, Inc. Commercial Bank 4.37 5.83 3,130 0.00 97,640
153 SouthFirst Bank Sylacauga Ala. SouthFirst Bancshares, Inc. Savings & Loan Assoc 4.36 2.87 2,395 1.43 78,904
154 Johnson County Bank Mountain City Tenn. Commercial Bank 4.35 5.03 2,820 0.02 120,160
155 Citizens-Farmers Bank of Cole Camp Cole Camp Mo. Commercial Bank 4.33 1.26 3,729 0.29 134,895
Hebron Savings Bank Hebron Md. HSB Bancorp, Inc. Commercial Bank 4.33 5.05 22,091 0.12 609,205
Quail Creek Bank, National Association Oklahoma City Okla. Quail Creek Bancshares, Inc. Commercial Bank 4.33 4.98 21,806 0.00 689,523
VISIONBank Fargo N.D. Vision Bank Holdings, Inc. Commercial Bank 4.33 4.05 7,816 -0.03 197,573
159 Bank of Little Rock Little Rock Ark. Little Rock Bankshares, Inc. Commercial Bank 4.32 4.53 5,090 -0.13 197,159
160 FNB Community Bank Midwest City Okla. First Midwest Acquisition Corporation Commercial Bank 4.30 0.03 10,381 0.11 463,560
Lumbee Guaranty Bank Pembroke N.C. Commercial Bank 4.30 4.88 8,159 0.11 346,159
162 Harbor Bank of Maryland Baltimore Md. Harbor Bankshares Corporation Commercial Bank 4.29 3.30 8,791 0.26 305,752
Harvest Bank Kimball Minn. Cattail Bancshares, Inc. Commercial Bank 4.29 0.82 4,734 0.00 144,073
Hatboro Federal Savings, FA Hatboro Pa. Savings & Loan Assoc 4.29 5.53 16,093 -0.02 513,312
165 First National Bank & Trust Company of McAlester McAlester Okla. First of McAlester Corporation Commercial Bank 4.28 4.49 11,008 0.01 469,305
166 National Bank of Andrews Andrews Tex. Andrews Bancshares, Inc. Commercial Bank 4.24 4.53 5,773 0.00 224,469
167 First National Bank in Fairfield Fairfield Iowa Iowa First Bancshares Corp. Commercial Bank 4.21 2.71 4,710 0.47 145,471
168 International Bank of Chicago Chicago Ill. IBC Bancorp, Inc. Commercial Bank 4.20 3.50 18,693 -0.01 648,663
Normangee State Bank Normangee Tex. Normangee Bancshares, Inc. Commercial Bank 4.20 5.89 3,065 4.72 121,254
Peoples Bank Mendenhall Miss. Peoples Bancshares, Inc. Commercial Bank 4.20 2.32 10,355 0.13 310,997
171 Commerce Bank Edina Minn. Commerce Bancshares, Inc. Commercial Bank 4.19 0.76 7,555 -0.01 210,355
172 First State Bank of Bigfork Bigfork Minn. Bigfork Bancshares, Inc. Commercial Bank 4.18 4.44 2,890 0.09 80,610
173 Kaw Valley Bank Topeka Kan. Topeka Bancorp, Inc. Commercial Bank 4.17 1.01 10,729 0.03 315,862
174 Bank of Springfield Springfield Ill. Spring Bancorp, Inc. Commercial Bank 4.15 4.97 35,740 0.00 1,055,036
175 Mound City Bank Platteville Wis. Mound City Financial Services, Inc. Commercial Bank 4.14 1.42 12,341 1.45 371,274
176 Investors Community Bank Manitowoc Wis. County Bancorp, Inc. Commercial Bank 4.13 2.64 44,836 0.01 1,406,794
177 First Arkansas Bank and Trust Jacksonville Ark. First Arkansas BancShares, Inc. Commercial Bank 4.11 1.71 20,097 0.37 752,764
178 County Bank Rehoboth Beach Del. CB Financial Corporation Commercial Bank 4.10 4.74 11,430 -0.02 378,073
First Federal Savings and Loan Association Morehead Ky. Savings & Loan Assoc 4.10 3.17 1,151 0.00 33,678
Odin State Bank Odin Minn. Odin Bancshares, Inc. Commercial Bank 4.10 3.46 1,446 0.14 45,788
181 Cornerstone Bank Fargo N.D. Cornerstone Holding Company, Inc. Commercial Bank 4.09 3.25 26,392 0.06 969,801
182 First National Bank of Manchester Manchester Ky. First National Financial Corporation Commercial Bank 4.08 2.12 2,868 0.34 138,654
Star Bank Maple Lake Minn. MidWest Bancorporation, Inc. Commercial Bank 4.08 0.69 9,801 0.00 281,596
184 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 4.07 5.23 2,688 0.01 73,432
185 First Bank and Trust Company Minden Neb. First of Minden Financial Corporation Commercial Bank 4.06 0.07 1,504 0.01 68,475
First National Bank of Quitaque Quitaque Tex. Quitaque National Corporation Commercial Bank 4.06 3.50 1,448 0.02 64,929
187 Comenity Capital Bank Draper Utah Alliance Data Systems Corporation Commercial Bank 4.03 4.29 313,893 4.35 9,708,535
188 Bank of Halls Halls Tenn. Security Bancorp of Tennessee, Inc. Commercial Bank 4.01 4.52 1,799 -0.03 85,752
189 Plains Commerce Bank Hoven S.D. Commercial Bank 4.00 4.10 22,487 0.00 694,728
190 Citizens State Bank Hugoton Kan. Hugoton Bancshares, Inc. Commercial Bank 3.99 4.41 3,397 -0.06 117,280
Freedom Bank, Inc. Belington W.Va. Freedom Bancshares, Inc. Commercial Bank 3.99 4.61 5,213 0.16 167,538
Home Loan Investment Bank, F.S.B. Warwick R.I. Prospect Financial Corporation Savings & Loan Assoc 3.99 5.35 12,462 0.48 345,988
193 Marion Bank and Trust Company Marion Ala. Marion Bancshares, Inc. Commercial Bank 3.98 4.13 7,177 0.00 287,940
194 Community Bank of Pickens County Jasper Ga. Community Banks of Georgia, Inc. Commercial Bank 3.97 1.77 10,873 0.13 361,143
195 Bank of Landisburg Landisburg Pa. Commercial Bank 3.96 3.29 8,720 0.01 300,236
Citizens State Bank Norwood Young America Norwood Young America Minn. Piesco, Inc. Commercial Bank 3.96 2.53 2,286 0.22 85,974
197 Pavillion Bank Richardson Tex. AmTex Bancshares, Inc. Commercial Bank 3.94 0.41 2,038 -0.01 75,578
198 OFG Bancorp San Juan P.R. Bank Holding Company 3.92 4.38 178,771 2.98 6,333,505
Republic Bank & Trust Norman Okla. Ironhorse Financial Group, Inc. Commercial Bank 3.92 4.60 14,774 0.24 589,375
200 Superior Savings Bank Superior Wis. Savings Bank 3.91 4.36 1,704 0.00 66,302

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 Dec. 18, 2019.
© 2019 American Banker
Source:

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