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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

June 09, 2014, 3:57 p.m. EDT 1 Min Read
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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

Banks and Thrifts with the Highest Adjusted Nonperforming Loan RatiosOn Dec. 31, 2013. Dollars in thousands
Published June 9, 2014
Rank   Parent
company		 Type
of institution		 Adjusted nonperforming
loan ratio*		 Nonperformers** Net
chargeoffs†		 Assets
Dec. 31 Year earlier
1 Eastern Savings Bank FSB Hunt Valley, Md.   savings 52.34 50.62 $138,563 1.60 $424,881
2 NRBC Holding Corp. Chicago   BHC 42.45 20.15 343,168 1.05 1,080,147
3 Eastside Commercial Bank Conyers, Ga. Eastside Commercial Bancshares Inc. commercial 38.98 35.76 43,450 0.67 170,055
4 State Central Bank Bonaparte, Iowa Logan Investment Corp. commercial 38.46 23.42 16,951 1.62 71,382
5 American Metro Bank Chicago American Metro Bancorp Inc. commercial 30.58 27.67 13,710 7.51 70,501
6 First CornerStone Bank King of Prussia, Pa.   commercial 28.36 15.31 20,465 1.52 132,424
7 Georgia Bancshares Inc. Peachtree City, Ga.   BHC 28.23 24.60 58,783 0.74 313,142
8 Georgia Primary Bank Atlanta   commercial 27.17 25.93 35,060 1.08 184,203
9 WestSide Bank Hiram, Ga.   commercial 26.05 30.39 19,279 4.82 118,718
10 CenTrust Bank Northbrook, Ill. United Community Bancshares Inc. commercial 24.56 23.48 8,957 6.43 61,940
11 First State Bank of Miami Texas Miami Bancshares Inc. commercial 23.86 4.03 5,595 3.22 37,878
12 Wilmington Savings Bank Ohio   savings 23.81 25.68 25,340 1.71 129,275
13 First State Bank Danville, Va.   commercial 23.58 4.82 6,872 0.21 39,274
14 Beach Community Bancshares Inc. Fort Walton Beach, Fla.   BHC 23.15 24.70 94,232 0.56 563,466
15 Cecil Bank Elkton, Md. Cecil Bancorp Inc. commercial 22.49 18.19 53,540 2.35 359,122
16 Independent Bankers' Bank of Florida Lake Mary Bankers' Bancorp. of Florida Inc. commercial 22.19 24.15 22,736 5.08 187,776
17 Capitol City Bancshares Inc. Atlanta   BHC 21.98 19.50 46,003 1.28 288,074
18 ProBank Tallahassee, Fla. Pro Financial Holdings Inc. commercial 21.71 18.07 7,471 3.49 55,996
19 Valley Bank of Nevada North Las Vegas   commercial 20.67 25.69 12,649 0.07 88,820
20 Liberty Shares Inc. Hinesville, Ga.   BHC 20.62 20.14 71,843 1.38 593,103
21 Guaranty Financial MHC Milwaukee   BHC 20.57 16.24 117,848 4.06 1,094,593
22 Porter Bancorp Inc. Louisville, Ky.   BHC 20.50 16.45 145,465 3.71 1,076,121
23 Anchor Commercial Bank Juno Beach, Fla.   commercial 20.41 20.90 14,184 2.34 103,085
24 AztecAmerica Bank Berwyn, Ill. AztecAmerica Bancorp Inc. commercial 20.38 18.40 9,672 2.18 66,273
25 South Carolina Community Bank Columbia SCCB Financial Corp. commercial 19.54 18.98 9,161 0.48 67,883
26 FirstSecure Bank and Trust Co. Palos Hills, Ill. Community Holdings Corp. commercial 19.40 16.45 6,836 0.34 56,534
27 TransCapital Bank Sunrise, Fla.   commercial 19.36 20.49 24,851 0.51 185,470
28 Enterprise Bank of South Carolina Ehrhardt   commercial 19.31 13.94 33,448 3.11 323,445
29 City National Bank of New Jersey Newark City National Bancshares Corp. commercial 19.17 20.29 31,589 0.48 285,118
30 First Southern Bank Patterson, Ga. Patterson Bankshares Inc. commercial 18.89 16.93 12,080 1.04 95,357
31 Crown Bank Elizabeth, N.J.   commercial 18.70 18.02 74,578 0.85 493,101
32 High Desert Bank Bend, Ore.   savings 18.61 17.00 3,713 3.09 28,754
33 Pinnacle Bank Orange City, Fla. Pinnacle Bank Holding Co. Inc. commercial 18.21 25.71 17,727 2.40 165,253
34 Flint River National Bank Camilla, Ga. Flint River Bancshares Inc. commercial 18.05 11.51 1,817 -0.01 19,135
35 Northern States Financial Corp. Waukegan, Ill.   BHC 17.88 26.25 40,279 5.89 392,412
36 Pan American Bank Los Angeles   commercial 17.83 21.59 6,074 0.66 40,880
37 First Security Trust and Savings Bank Elmwood Park, Ill. First Security Bancorp Inc. commercial 17.78 23.37 20,588 3.56 211,519
38 Security State Bank Iron River, Wis. Security Bank Shares Inc. commercial 17.68 20.05 9,441 -0.59 81,520
39 Bay Bank Green Bay, Wis. Bay Bancorp. commercial 17.58 16.04 9,365 2.61 83,239
40 PNA Bank Downers Grove, Ill. Polish National Alliance of the US of NA savings 17.20 18.27 15,167 1.55 106,830
41 Leaders Bank Oak Brook, Ill. Leaders Group Inc. commercial 17.08 12.71 50,846 0.79 348,476
42 Providence Bank Alpharetta, Ga.   commercial 16.84 29.63 10,795 0.00 118,344
43 OptimumBank Plantation, Fla. OptimumBank Holdings Inc. commercial 16.63 19.48 13,543 2.87 128,603
44 Prairie Community Bank Marengo, Ill. Marengo Bancshares Inc. commercial 16.51 15.46 12,903 1.63 110,499
45 First City Bank of Florida Fort Walton Beach Florida First City Banks Inc. commercial 16.49 22.28 24,282 0.35 233,307
46 Citizens State Bank Kingsland, Ga. South Banking Co. commercial 16.41 24.12 6,573 0.12 59,383
47 Wawel Bank MHC Wallington, N.J. Wawel Financial Services MHC savings 16.39 6.88 7,787 2.31 86,695
48 Granite Mountain Bank Inc. Philipsburg, Mont. Flint Creek Holding Co. commercial 16.25 4.50 6,630 0.10 64,967
49 F&M Bank and Trust Co. Manchester, Ga. F&M Holding Co. Inc. commercial 16.19 10.37 8,403 0.46 76,168
50 Securant Bank & Trust Milwaukee Capital Commerce Bancorp Inc. commercial 15.92 15.82 22,219 2.19 186,566
50 Regent Bancorp Inc. Davie, Fla.   BHC 15.87 11.60 45,490 1.03 344,715
52 Monarch Community Bank Coldwater, Mich. Monarch Community Bancorp Inc. commercial 15.84 16.57 19,343 0.65 169,128
53 Village Bank and Trust Financial Corp. Midlothian, Va.   BHC 15.82 14.45 46,671 1.48 444,091
54 Peoples Bank Eatonton, Ga. Peoples Bankshares Inc. commercial 15.81 14.35 12,222 0.15 127,783
55 Idaho Banking Co. Boise Idaho Bancorp commercial 15.79 16.36 9,822 1.01 99,770
56 Harrington Bank FSB Chapel Hill, N.C. Community First Financial Group Inc. savings 15.69 12.80 27,595 2.04 225,416
57 1st Advantage Bank St. Peters, Mo. Banc Investors LLC commercial 15.58 13.17 9,378 0.49 76,660
58 Bank of Eastman Ga. Magnolia Bankshares Inc. commercial 15.56 12.25 19,275 0.93 190,243
58 Mutual Federal Bank MHC Chicago Mutual Federal Bancorp MHC savings 15.22 19.46 9,140 0.82 77,744
60 Spring Valley Bank Wyoming, Ohio SV Bancorp Inc. commercial 15.21 8.93 6,951 0.13 75,114
61 Surety Bank Deland, Fla.   commercial 15.18 16.09 9,398 4.66 99,656
62 Century Bank of Florida Tampa Century Bancshares of Florida Inc. commercial 15.14 17.00 6,572 0.30 70,386
63 Gateway Bank FSB Oakland, Calif. SK&LLWang LLC savings 15.01 10.46 16,830 0.61 212,120
64 First Tuskegee Bank Ala. Birthright Inc. commercial 14.89 24.47 4,561 0.13 58,011
65 Interamerican Bank FSB Miami Voting Trust-Ferrera, Fuentes, Pacheco savings 14.82 16.28 25,537 0.56 219,100
66 Doral Financial Corp. San Juan, Puerto Rico   BHC 14.62 16.84 985,574 1.17 8,493,455
67 Columbia Bank Lake City, Fla. First Columbia Bancorp Inc. commercial 14.57 19.96 15,882 3.59 185,807
68 Bank of Kaukauna Wis. Brogan Bankshares Inc. commercial 14.56 11.47 10,377 1.51 89,832
69 Neighborhood National Bank San Diego Neighborhood Bancorp commercial 14.55 21.01 6,998 1.81 83,773
70 Legacy State Bank Loganville, Ga.   commercial 14.42 17.26 5,538 -2.63 68,500
71 North Milwaukee State Bank North Milwaukee Bancshares Inc. commercial 14.23 13.59 8,246 1.80 80,216
72 Home Loan Investment Bank FSB Warwick, R.I. Prospect Financial Corp. savings 13.99 16.06 24,170 0.62 204,003
  GreenChoice Bank FSB Chicago GreenChoice Holding Co. Inc. savings 13.94 14.93 7,735 1.51 75,642
74 American Patriot Bank Greeneville, Tenn. American Patriot Financial Group Inc. commercial 13.93 8.44 6,300 0.17 74,904
75 Champion Bank Parker, Colo.   commercial 13.77 18.93 6,955 0.49 62,958
76 CornerstoneBank Atlanta Cornerstone Bancshares Inc. savings 13.74 11.18 27,304 1.01 300,774
77 Frontenac Bank Earth City, Mo. Frontenac Bancshares Inc. commercial 13.73 11.90 26,746 0.37 271,094
78 Golden State Bank Upland, Calif.   commercial 13.65 18.48 7,667 0.49 77,584
79 Stonebridge Bank West Chester, Pa. Stonebridge Financial Corp. commercial 13.64 16.65 15,668 2.33 171,693
80 First Citizens Bank of Polson Mont. Flathead Lake Bancorp. Inc. commercial 13.63 17.89 1,754 0.37 18,842
81 State Bank of Arthur Ill. Arthur Bancshares Corp. commercial 13.60 1.01 8,088 0.40 114,190
82 Hometown Bank of the Hudson Valley MHC Walden, N.Y. Hometown Bancorp MHC savings 13.55 10.59 16,023 2.47 136,020
83 Slavie Federal Savings Bank MHC Bel Air, Md. Slavie Bancorp MHC savings 13.45 8.61 12,782 1.92 142,825
84 Mechanics and Farmers Bank Durham, N.C. M&F Bancorp Inc. commercial 13.40 11.74 25,395 0.19 301,300
85 Ripley Federal Savings Bank Ohio   savings 13.32 12.72 6,661 0.12 68,664
86 International Finance Bank Miami   commercial 13.29 16.74 32,513 1.72 360,844
87 Regal Financial Bank Seattle   commercial 13.23 17.78 10,310 1.86 103,413
88 Northside Bank Adairsville, Ga. Northside Bancshares Inc. commercial 13.16 16.40 11,111 0.40 135,835
89 Putnam County National Bank of Carmel Carmel, N.Y.   commercial 13.02 7.50 10,835 1.14 157,357
90 Peoples State Bank Lake City, Fla. PSB BancGroup Inc. commercial 13.01 10.05 6,680 0.17 66,316
91 Strategic Growth Bancorp, Incorporated El Paso, Texas Strategic Growth Bank Inc. BHC 13.01 7.66 135,431 0.30 1,937,165
92 West Pointe Bank Oshkosh, Wis. West Pointe Bancshares Inc. commercial 12.94 21.11 30,776 2.29 288,271
93 Broadway Federal Bank FSB Los Angeles Broadway Financial Corp. savings 12.92 19.52 33,341 0.82 332,465
94 Farmers & Merchants Bank Statesboro, Ga. FMB Equibanc Inc. commercial 12.89 15.13 12,104 2.04 160,516
95 Trinity Capital Corp. Los Alamos, N.M.   BHC 12.88 11.08 137,150 1.55 1,559,764
96 Diamond Bancorp Inc. Washington, Mo.   BHC 12.78 4.97 67,784 1.63 726,618
97 First Federal of South Carolina FSB MHC Walterboro First Carolina Bancshares MHC savings 12.77 15.53 6,658 0.69 98,175
98 Mutual Savings Association FSA Leavenworth, Kan.   savings 12.71 15.86 13,773 0.53 206,491
99 HCSB Financial Corp. Loris, S.C.   BHC 12.68 14.65 32,524 1.15 435,046
100 Lake Area Bank Lindstrom, Minn. Freedom Bancorp. Inc. commercial 12.56 12.28 20,323 1.44 259,270
101 River Valley Bancorp Inc. Davenport, Iowa   BHC 12.44 3.59 46,552 2.40 594,203
  Heritage Bank Jonesboro, Ga. CCF Holding Co. commercial 12.37 13.29 31,689 0.43 369,581
103 Superior Bank Hazelwood, Mo. Superior Bancshares Inc. commercial 12.37 14.99 2,369 3.01 30,618
  Park State Bank & Trust Woodland Park, Colo.   commercial 12.35 13.04 5,804 0.38 85,945
105 Merchants Commercial Bank St. Thomas, V.I.   commercial 12.35 14.40 8,602 0.68 129,297
106 Ruby Valley National Bank Twin Bridges, Mont. TwinCo Inc. commercial 12.34 5.22 6,905 -0.05 84,815
107 Persons Banking Co. Inc. Macon, Ga.   BHC 12.25 14.16 30,227 0.73 361,270
108 Tennessee State Bancshares Inc. Pigeon Forge   BHC 12.24 13.88 49,448 1.26 658,104
109 NBRS Financial Bank Rising Sun, Md. Rising Sun Bancorp commercial 12.23 16.59 17,010 2.07 206,543
110 Central Federal Savings and Loan Association Cicero, Ill.   savings 12.22 12.35 11,067 0.72 171,809
111 Grand Bankshares Inc. West Palm Beach, Fla.   BHC 12.21 14.05 16,326 0.54 216,048
112 Columbia Savings Bank Cincinnati Columbia Bancorp, Inc savings 12.20 12.59 3,311 0.43 37,544
113 Landmark Bank Fort Lauderdale Giant Holdings Inc. commercial 11.99 14.71 26,955 0.53 268,522
114 Columbia Savings and Loan Association Milwaukee   savings 11.96 11.28 2,306 0.54 23,694
115 Oxford Bank Mich. Oxford Bank Corp. commercial 11.89 14.81 21,720 0.34 261,112
116 Baraboo Bancorp. Inc. Wis.   BHC 11.88 8.86 48,847 2.62 632,567
117 State Bank of Herscher Ill. Hershare Financial Corp. commercial 11.85 15.40 10,915 5.47 150,275
118 Friends Bank New Smyrna Beach, Fla.   commercial 11.84 11.00 7,838 0.09 100,788
119 Liberty First Bank Monroe, Ga.   commercial 11.83 12.41 7,790 0.16 115,527
120 Homeland Community Bank McMinnville, Tenn.   commercial 11.79 5.96 9,929 0.41 135,137
121 Peoples Bank Mt. Washington Ky. Crossroads Bancorp Inc. commercial 11.76 15.31 6,273 0.14 77,215
122 Mohave State Bank Lake Havasu City, Ariz. State Bank Corp. commercial 11.75 12.20 23,735 0.31 287,857
123 ColoEast Bankshares Inc. Lamar, Colo.   BHC 11.63 12.42 48,546 0.59 776,583
124 Treasure State Bank Missoula, Mont.   commercial 11.63 9.60 5,303 0.81 65,802
125 Community 1st Bank Las Vegas N.M. FNB Financial Corp. commercial 11.56 7.24 10,388 3.31 152,663
126 U.S. Century Bank Doral, Fla.   commercial 11.53 15.60 83,848 0.25 931,120
127 Valley Community Bank Pleasanton, Calif.   commercial 11.50 12.72 10,484 0.80 138,445
128 Farmers State Bank Mountain City, Tenn. Farmers State Bancshares Inc. commercial 11.41 12.25 8,918 0.72 134,049
129 Grand Timber Bank McGregor, Minn. McGregor Banco Inc. commercial 11.24 9.89 3,216 0.49 40,107
130 Allied Bank Mulberry, Ark. Acme Holding Co. Inc. commercial 11.13 11.18 9,880 2.18 138,597
131 Commerce Bank and Trust Holding Co. Topeka, Kan.   BHC 11.05 11.67 56,969 0.36 945,445
132 Chambers Bancshares Inc. Danville, Ark.   BHC 11.03 11.29 61,346 1.52 751,058
133 First Mountain Bank Big Bear Lake, Calif.   commercial 11.02 19.65 9,997 0.10 134,398
134 Grand Mountain Bank FSB Granby, Colo. Grand Mountain Bancshares Inc. savings 10.92 14.99 7,080 0.15 91,182
135 Heritage Bank of Central Illinois Trivoli Trivoli Bancorp Inc. commercial 10.90 5.06 22,517 0.23 288,745
  Bank of Lincoln County Fayetteville, Tenn.   commercial 10.74 7.51 9,114 0.06 126,331
137 Johnson County Bank Mountain City, Tenn.   commercial 10.68 10.91 6,793 0.25 119,338
138 First Central Savings Bank Glen Cove, N.Y.   savings 10.68 11.47 32,405 0.45 504,694
139 Grant County Deposit Bank Williamstown, Ky. Grant County Bancorp Inc. commercial 10.62 7.91 4,786 0.39 80,475
140 Mid State Banks Inc. Hawkinsville, Ga.   BHC 10.56 11.76 19,041 0.75 277,830
141 Benchmark Bank Gahanna, Ohio Benchmark Bancorp Inc. savings 10.55 13.82 9,669 0.46 117,272
  Mesaba Bancshares Inc. Grand Rapids, Minn.   BHC 10.52 13.10 52,198 0.44 642,830
143 Northwoods Bank of Minnesota Park Rapids Dorset Bancshares Inc. savings 10.51 11.70 5,733 0.46 104,381
144 St. Landry Homestead Federal Savings Bank Opelousas, La.   savings 10.48 9.75 19,089 0.51 227,472
145 Edgebrook Bank Chicago Edgebrook Bancorp Inc. commercial 10.45 13.14 7,779 0.29 90,512
146 New York Private Bank & Trust Corp.   BHC 10.44 11.20 414,446 0.10 6,459,957
147 Texas Savings Bank SSB Snyder Texas Bancshares Inc. savings 10.43 17.92 4,548 1.52 79,190
148 Commerce Bank of Arizona Inc. Tucson CBOA Financial Inc. commercial 10.43 10.62 15,504 1.02 201,050
149 St. Louis Bancshares Inc. Town and Country, Mo.   BHC 10.39 10.36 25,693 0.71 401,683
150 Community Bank of the South Smyrna, Ga. CBS Financial Corp. commercial 10.38 11.45 28,317 0.58 350,482
151 Advantage Bank Loveland, Colo. Advantage Bancorp Inc. commercial 10.37 13.01 18,930 2.25 256,811
152 Sutter Community Bank Yuba City, Calif.   commercial 10.36 7.93 5,225 -0.01 66,099
153 Franklin County UNITED Bank Decherd, Tenn. Franklin County UNITED Bancshares Inc. commercial 10.33 11.51 6,574 5.04 85,802
154 Parke Bancorp Inc. Sewell, N.J.   BHC 10.33 13.90 68,856 0.47 794,943
155 Grand Bank for Savings FSB Hattiesburg, Miss. Grand Financial Corp. savings 10.31 7.86 7,226 0.57 107,890
  Freedom Bank Inc. Belington, W.Va. Freedom Bancshares Inc. commercial 10.30 8.91 9,694 0.33 145,446
157 Peoples Bank & Trust Buford, Ga. Peoples Banktrust Inc. commercial 10.25 11.96 17,284 0.01 274,455
158 Citizens Bank & Trust Co. Covington, La.   commercial 10.25 6.26 7,094 -0.10 111,286
159 Crews Banking Corp. Wauchula, Fla.   BHC 10.24 10.73 77,388 2.05 1,171,690
160 First National Bank Ronceverte, W.Va. First National Bankshares Corp. commercial 10.21 12.47 12,898 1.00 238,979
161 Fidelity Bank of Florida Merritt Island   commercial 10.19 20.99 16,132 3.11 283,532
162 First BanCorp. San Juan, Puerto Rico   BHC 10.12 14.66 981,634 4.06 12,656,925
162 First South Bank Spartanburg, S.C. First South Bancorp Inc. commercial 10.11 12.31 16,495 0.57 291,317
164 Flagship Community Bank Clearwater, Fla.   commercial 10.11 10.98 7,413 0.25 92,826
165 Community First Inc. Columbia, Tenn.   BHC 10.08 10.99 27,602 0.61 449,275
  Peoples Bank Chestertown, Md. Peoples Bancorp Inc. commercial 10.07 10.86 14,530 -0.22 241,748
167 Community Bank of Oak Park River Forest Oak Park, Ill. Oak Park River Forest Bankshares Inc. commercial 10.03 13.69 18,005 1.84 269,249
168 Columbus Junction State Bank Iowa CJSB Bancorp. commercial 10.01 1.36 2,920 2.36 55,285
169 Flagler Bank West Palm Beach, Fla.   commercial 10.01 13.36 8,330 0.32 154,371
170 Bank of Rison Ark. Sigma Holdings Inc. commercial 9.89 12.06 1,527 1.73 25,782
171 North Georgia National Bank Calhoun, Ga. North Georgia Community Financial Partners Inc. commercial 9.87 10.31 6,557 0.34 114,949
172 Royal Banks of Missouri St. Louis Royal Bancshares Inc. commercial 9.86 11.22 33,634 0.48 427,154
173 Martinsville First Savings Bank Va.   savings 9.85 11.18 2,439 0.19 45,575
174 North Alabama Bank Hazel Green North Alabama Bancshares Inc. commercial 9.82 4.53 5,791 -0.05 100,310
  First National Bank in Howell Mich. FNBH Bancorp Inc. commercial 9.81 10.70 16,201 0.18 311,229
176 Mercantile Bank of Louisiana Mo.   commercial 9.79 10.95 6,070 0.21 100,530
  Ponce De Leon Federal Bank Bronx, N.Y.   savings 9.77 11.05 56,574 0.60 731,576
178 First National Bank of Wauchula Fla. First Hardee Holding Corp. commercial 9.77 11.75 4,209 0.36 72,285
179 Capitol National Bank Lansing, Mich.   commercial 9.76 12.54 7,641 0.71 120,558
180 Georgia Heritage Bank Dallas   commercial 9.75 10.57 3,913 0.35 65,187
180 Northpointe Bank Grand Rapids, Mich. Northpointe Bancshares Inc. commercial 9.73 11.07 25,323 0.62 299,620
182 1st Equity Bank Northwest Buffalo Grove, Ill. Northwest Equity Corp. commercial 9.72 10.08 3,011 0.66 41,829
183 Linn County State Bank Coggon, Iowa Iowa State Financial Services Corp. commercial 9.68 4.68 2,068 0.08 31,374
184 State Bank of Drummond Wis. Drummond Bancshares Inc. commercial 9.65 8.59 2,024 0.60 41,708
185 Kaw Valley Bank Topeka, Kan. Kaw Valley Bancorp Inc. commercial 9.64 10.81 24,055 1.10 363,523
185 FirsTier Bank Kimball, Neb. FirsTier II Bancorp. commercial 9.64 9.11 12,119 0.74 226,516
187 Signature Bank of Arkansas Fayetteville White River Bancshares Co. commercial 9.57 11.21 36,271 0.99 491,348
188 FMB Bancshares Inc. Lakeland, Ga.   BHC 9.56 11.40 38,331 1.45 557,626
188 Provident Financial Holdings Inc. Riverside, Calif.   BHC 9.55 9.30 85,867 0.38 1,134,062
190 Liberty Federal Savings Bank Enid, Okla.   savings 9.50 14.39 5,085 -0.37 99,770
191 Lake City Federal Bank Minn.   savings 9.45 10.11 4,931 0.14 71,118
192 North Side Federal Savings and Loan Association of Chicago Ill.   savings 9.45 13.33 2,592 0.33 45,030
193 Frontier Bank FSB Palm Desert, Calif. Western Community Bancshares Inc. savings 9.45 9.48 5,415 1.23 95,203
194 Mission Oaks National Bank Temecula, Calif. Mission Oaks Bancorp commercial 9.41 6.63 6,526 0.63 95,632
195 First National Bank Northwest Florida Panama City First Northwest Florida Holding Co. commercial 9.33 9.09 6,024 -0.21 105,344
196 Waterman State Bank Ill. Waterman Bancshares Inc. commercial 9.29 11.18 2,054 3.61 41,058
197 Village Bank St. Francis, Minn. Village Bancshares Inc. commercial 9.28 14.24 10,942 -0.11 165,398
198 1st Equity Bank Skokie, Ill. First Equity Corp. commercial 9.27 13.60 6,326 0.57 102,001
199 Bank of Coral Gables Fla.   commercial 9.27 14.43 5,834 -0.58 102,733
  Bank of Alma Wis. Dairyland Bank Holding Corp. commercial 9.25 10.21 9,119 0.25 193,812

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 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, less than 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. 31, 2013.

Source:

SNL Financial
, Charlottesville, Va.
© 2014 American Banker

Banks, thrifts and holding companies