Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

June 13, 2016, 5:15 p.m. EDT 1 Min Read

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Banks and Thrifts with the Highest Adjusted Nonperforming Loan RatiosOn March 31, 2016. Dollars in thousands Published June 13, 2016
Rank		Parent company	Type of institution	Adjusted nonperforming loan ratio*		Nonperformers**	Net chargeoffs†	Assets
Rank		Parent company	Type of institution	March 31	Year earlier	Nonperformers**	Net chargeoffs†	Assets
1	Eastern Savings Bank FSB Hunt Valley, Md.		savings	41.07	60.97	$88,959	$0.23	$349,318
2	State Central Bank Bonaparte, Iowa	Logan Investment Corp.	commercial	35.36	45.83	9,839	0.28	48,861
3	South Carolina Community Bank Columbia	SCCB Financial Corp.	commercial	28.88	30.75	10,150	-0.05	53,066
4	Allied Bank Mulberry, Ark.	Acme Holding Co. Inc.	commercial	25.94	11.89	12,544	0.28	72,378
5	Beach Community Bank Fort Walton Beach, Fla.	Beach Community Bancshares Inc.	commercial	25.88	27.97	92,413	-0.17	538,259
6	Lafayette State Bank Mayo, Fla.		commercial	23.02	31.41	12,924	1.80	78,902
7	WestSide Bank Hiram, Ga.		commercial	20.63	24.07	13,932	0.00	122,159
8	Harvest Community Bank Pennsville, N.J.		commercial	19.33	18.30	21,395	0.08	138,791
9	Stonebridge Bank West Chester, Pa.	Stonebridge Financial Corp.	commercial	18.13	21.75	12,999	-1.99	112,180
10	First National Bank Waupaca, Wis.	Waupaca Bancorp. Inc.	commercial	17.88	11.02	75,969	0.19	525,269
11	Heartland Bank Little Rock, Ark.	Rock Bancshares Inc.	commercial	17.65	2.00	32,337	10.45	231,392
12	Interamerican Bank FSB Miami		savings	17.11	16.13	27,074	-0.55	209,783
13	First City Bank of Florida Fort Walton Beach	Florida First City Banks Inc.	commercial	16.98	16.72	22,624	0.10	216,775
14	Mechanics and Farmers Bank Durham, N.C.	M&F Bancorp Inc.	commercial	16.18	16.76	25,996	0.00	304,346
15	Liberty Bank Salt Lake City		commercial	15.95	23.39	1,117	-0.06	11,962
16	First State Bank Barboursville, W.Va.	First Bankshares Inc.	commercial	15.71	14.65	25,007	-0.08	227,766
17	Leaders Bank Oak Brook, Ill.		commercial	15.26	15.55	40,989	-0.02	342,477
18	Wilmington Savings Bank Ohio		savings	14.39	19.36	14,049	0.13	125,667
19	Horry County State Bank Loris, S.C.	HCSB Financial Corp.	commercial	14.15	15.56	28,253	4.50	363,415
20	Fidelity Bank of Florida Merritt Island		commercial	14.11	1.87	16,740	0.69	232,808
21	Valley Bank of Nevada North Las Vegas		commercial	13.43	17.69	9,728	0.00	103,478
22	Republic Bank Bountiful, Utah		commercial	12.93	3.65	13,352	0.47	124,420
23	Baraboo National Bank Wis.	Baraboo Bancorp. Inc.	commercial	12.72	10.00	33,707	-0.11	398,824
24	Gateway Bank FSB Oakland, Calif.		savings	12.67	13.18	11,706	0.00	133,355
25	Seaway Bank and Trust Co. Chicago	Seaway Bancshares Inc.	commercial	12.59	9.30	29,469	1.98	372,982
26	State Bank & Trust Co. Golden Meadow, La.	SBT Bancshares Inc.	commercial	12.17	7.35	11,866	0.13	128,668
27	Gwinnett Community Bank Duluth, Ga.	Community Financial Holding Co. Inc.	commercial	12.16	20.68	21,699	0.80	334,981
28	Columbia Savings and Loan Association Milwaukee		savings	11.99	15.28	2,264	0.41	23,907
29	West Pointe Bank Oshkosh, Wis.	West Pointe Bancshares Inc.	commercial	11.80	15.21	25,788	-0.01	271,439
30	Guaranty Financial MHC Milwaukee		savings	11.78	15.72	90,170	0.97	1,025,119
31	Beal Financial Corp. Plano, Texas		savings	11.50	15.19	565,257	0.73	7,075,456
32	Surety Bank Deland, Fla.		commercial	11.48	9.54	5,817	0.20	91,656
33	First Credit Bank Los Angeles		commercial	11.37	10.64	33,168	0.00	417,670
34	Champion Bank Parker, Colo.		commercial	11.34	14.68	4,186	-0.08	48,604
35	Brickyard Bank Lincolnwood, Ill.	Brickyard Bancorp Inc.	commercial	11.21	7.03	8,081	0.00	111,000
36	American Founders Bank Inc. Louisville, Ky.		commercial	10.86	4.45	8,103	0.15	99,834
37	Farmers State Bank Markesan, Wis.	FS BancShares Inc.	commercial	10.82	7.01	4,388	0.42	75,446
38	TransCapital Bank Sunrise, Fla.		commercial	10.76	11.51	12,945	-0.11	175,790
39	F&M Bank and Trust Co. Manchester, Ga.	F and M Holding Co. Inc.	commercial	10.67	12.50	5,394	1.52	81,171
40	HomePride Bank Mansfield, Mo.	Banc 60 Inc.	commercial	10.60	11.56	8,602	0.13	106,110
41	South Lafourche Bank & Trust Co. Larose, La.	Lafourche Bancshares Inc.	commercial	10.53	8.38	14,634	0.85	165,251
42	First BanCorp. San Juan, Puerto Rico		BHC	10.52	10.72	963,923	0.99	12,714,370
43	Prairie Community Bank Marengo, Ill.	Marengo Bancshares Inc.	commercial	10.51	14.23	7,972	0.29	109,739
44	Fayette County Bank St. Elmo, Ill.	Fayette County Bancshares Inc.	commercial	10.40	18.05	2,925	12.56	34,419
45	Grand Timber Bank McGregor, Minn.	McGregor Banco Inc.	commercial	10.34	5.41	2,777	0.79	43,077
46	First Community National Bank Cuba, Mo.	Steelville Community Banc-Shares Inc.	commercial	10.31	4.56	14,592	0.28	202,976
47	Bay Bank Green Bay, Wis.	Bay Bancorp. Inc.	commercial	10.30	13.42	5,346	-0.06	80,667
48	Home Loan Investment Bank FSB Warwick, R.I.	Prospect Financial Corp.	savings	10.20	12.11	19,544	0.46	225,999
49	First South Bank Spartanburg, S.C.	First South Bancorp Inc.	commercial	10.17	9.11	15,784	0.06	244,431
	Ripley Federal Savings Bank Ohio		savings	10.17	11.96	5,385	-0.02	67,092
51	Morganton Savings Bank SSB N.C.		savings	10.12	5.39	4,318	0.00	78,215
52	American Metro Bank Chicago	American Metro Bancorp Inc.	commercial	9.96	13.50	4,507	-0.06	62,248
53	Kopernik Bank Baltimore		savings	9.89	9.96	4,581	-0.02	67,959
54	Peoples State Bank Lake City, Fla.	PSB BancGroup Inc.	commercial	9.61	10.96	5,163	0.04	77,876
	Tri-State Bank of Memphis Tenn.		commercial	9.61	6.39	7,318	0.25	105,233
56	Commercial Bank of Oak Grove Mo.	Country Agencies & Investments Inc.	commercial	9.54	9.99	3,928	-0.10	71,195
57	Ruby Valley National Bank Twin Bridges, Mont.	TwinCo Inc.	commercial	9.52	12.99	5,145	-0.01	94,678
58	Santander BanCorp San Juan, Puerto Rico	Banco Santander SA	BHC	9.41	8.20	376,921	1.39	5,536,433
59	Hometown Bank of the Hudson Valley MHC Walden, N.Y.	Hometown Bancorp MHC	savings	9.39	9.39	10,079	0.04	120,145
60	Johnson County Bank Mountain City, Tenn.		commercial	9.32	14.67	5,775	0.28	119,785
61	Crown Bank Elizabeth, N.J.		commercial	9.29	10.26	32,831	-0.06	515,501
62	Central Federal Savings and Loan Association Cicero, Ill.		savings	9.25	16.73	7,807	-0.01	166,185
63	Columbia Bank Lake City, Fla.	First Columbia Bancorp Inc.	commercial	9.24	12.07	11,856	0.59	187,804
64	First Alliance Bank Cordova, Tenn.	First Alliance Bancshares Inc.	commercial	9.23	7.53	8,761	0.35	117,427
65	Security State Bank Iron River, Wis.	Security Bank Shares Inc.	commercial	9.00	10.25	5,403	0.11	83,530
66	Trinity Capital Corp. Los Alamos, N.M.		BHC	8.86	11.37	73,213	0.30	1,438,223
67	Hebron Savings Bank Md.	HSB Bancorp Inc.	commercial	8.83	6.01	39,245	0.22	561,634
68	Security State Bank of Kenyon Minn.	Ellingson Corp.	commercial	8.74	3.89	3,754	0.65	55,162
69	First State Bank of Swanville Minn.	Swanville Bancshares Inc.	commercial	8.72	0.00	1,551	3.68	24,376
70	Citizens Savings Bank Bogalusa, La.		savings	8.70	7.11	14,040	0.01	210,170
71	Peoples Bank Eatonton, Ga.	Peoples Bankshares Inc.	commercial	8.68	12.31	6,639	0.33	127,164
	Stanley Bank Overland Park, Kan.	Columbus Corp.	commercial	8.68	11.91	6,191	2.63	100,774
73	Martinsville First Savings Bank Va.		savings	8.66	9.80	1,943	0.03	42,393
74	North Side Federal Savings and Loan Association of Chicago		savings	8.57	12.05	2,195	-0.05	45,209
75	Liberty Federal Savings Bank Enid, Okla.		savings	8.51	9.73	4,155	-1.84	89,489
76	Farmers & Merchants Bank Lakeland, Ga.	FMB Bancshares Inc.	commercial	8.49	9.79	33,779	0.76	543,172
77	ABC Bank Chicago	Greater Chicago Financial Corp.	commercial	8.46	12.02	19,802	0.02	329,202
	United Bank of Philadelphia	United Bancshares Inc.	commercial	8.46	7.34	3,133	0.22	54,501
79	Urban Partnership Bank Chicago		commercial	8.41	2.17	35,422	0.16	653,250
80	Bank of Eastman Ga.	Magnolia Bankshares Inc.	commercial	8.39	9.10	9,449	-0.07	176,872
81	Merchants Commercial Bank St. Thomas, V.I.		commercial	8.38	7.31	7,340	0.07	154,917
82	Regent Bank Davie, Fla.	Regent Bancorp Inc.	commercial	8.36	12.23	23,945	-0.05	357,948
83	Bank of Kaukauna Wis.	Brogan Bankshares Inc.	commercial	8.34	9.42	5,893	-0.01	90,872
84	Mohave State Bank Lake Havasu City, Ariz.	State Bank Corp.	commercial	8.28	10.20	18,292	-0.02	338,179
85	Citizens Bank Mukwonago, Wis.	Citizens Bank Holding Inc.	commercial	8.19	8.63	35,733	-0.07	683,944
86	Friends Bank New Smyrna Beach, Fla.		commercial	8.11	10.85	5,480	-0.03	104,968
87	Scotiabank de Puerto Rico San Juan	Bank of Nova Scotia	commercial	8.05	7.30	291,090	0.36	4,551,012
88	Pinnacle Bank Orange City, Fla.	Pinnacle Bank Holding Co. Inc.	commercial	8.03	11.25	5,904	0.36	126,460
89	Georgia Primary Bank Atlanta		commercial	7.97	9.25	8,403	-0.02	155,265
90	First Western Mortgage Corp. Fort Worth, Texas		savings	7.96	3.85	44,113	0.28	1,026,044
91	Landmark Bank Fort Lauderdale, Fla.	Giant Holdings Inc.	commercial	7.92	8.28	26,007	-0.02	407,344
92	Mutual Savings Association FSA Leavenworth, Kan.		savings	7.88	13.43	9,033	0.00	194,526
93	Bank of Washington Mo.	Diamond Bancorp Inc.	commercial	7.83	10.83	34,789	0.14	580,020
94	Georgia Heritage Bank Dallas		commercial	7.82	7.25	3,663	2.62	73,699
95	First Federal Savings and Loan Association of Lorain Ohio		savings	7.81	8.29	20,724	0.12	422,854
96	First National Bank of Winnsboro Texas	Etex Banco Inc.	commercial	7.79	11.52	7,005	0.02	138,862
97	County Bank Rehoboth Beach, Del.	CB Financial Corp.	commercial	7.77	8.18	18,874	0.00	336,171
98	Seamen's Bank Provincetown, Mass.		savings	7.74	7.88	17,253	0.01	333,945
99	First National Bank of Wauchula Fla.	First Hardee Holding Corp.	commercial	7.71	9.02	3,143	0.30	71,714
100	OFG Bancorp San Juan, Puerto Rico		BHC	7.61	7.58	349,848	0.94	6,874,572
101	Enterprise Bank of South Carolina Ehrhardt		commercial	7.57	14.86	12,406	2.43	313,424
102	Century Bank of Kentucky Inc. Lawrenceburg	Century Bancshares Inc.	commercial	7.49	7.66	5,993	-0.02	116,285
103	Carver State Bank Savannah, Ga.	Carver Financial Corp.	commercial	7.48	5.69	1,798	0.00	40,368
	St. Landry Homestead Federal Savings Bank Opelousas, La.		savings	7.48	8.56	13,101	0.45	227,915
105	Community State Bank Brook, Ind.		commercial	7.44	1.99	2,992	8.93	62,117
106	Central Bank Savannah, Tenn.		commercial	7.43	7.67	4,624	0.72	98,814
107	Nantahala Bank & Trust Co. Franklin, N.C.		commercial	7.42	6.91	7,151	0.18	147,461
108	Mid America Bank Janesville, Wis.	Wisconsin Bancorp Inc.	commercial	7.40	4.37	4,257	0.06	82,856
109	Bank of Commerce Sarasota, Fla.	Bank of Commerce Holdings Inc.	commercial	7.37	6.42	9,876	-3.13	211,277
110	Bank of Prescott Ark.	Prescott Bancshares Inc.	commercial	7.36	0.32	3,151	-0.03	83,822
111	Community State Bank Union Grove, Wis.	Union Bancorp. Inc.	commercial	7.35	8.94	12,291	0.00	321,394
112	Bank of Fincastle Va.		commercial	7.34	5.48	10,918	2.90	218,246
	Century Bank of Florida Tampa	Century Bancshares of Florida Inc.	commercial	7.34	9.91	3,402	0.20	73,572
	CoreFirst Bank & Trust Topeka, Kan.	Commerce Bank and Trust Holding Co.	commercial	7.34	7.62	37,394	-0.28	887,303
115	Frontier State Bank Oklahoma City		commercial	7.31	4.27	31,609	0.20	687,429
	Mutual Federal Bank MHC Chicago	Mutual Federal Bancorp MHC	savings	7.31	8.67	4,532	0.01	80,357
117	Marathon Savings Bank Wausau, Wis.		savings	7.29	6.07	5,835	0.66	144,248
118	Citizens Bank of Newburg Rolla, Mo.	Newburg Insurance Agency Inc.	commercial	7.23	3.19	7,320	0.25	164,689
119	Commerce Bank of Arizona Inc. Tucson	CBOA Financial Inc.	commercial	7.17	11.17	10,024	0.14	175,748
120	Lake City Federal Bank Minn.		savings	7.15	5.45	3,679	-0.02	68,798
121	Farmers State Bank Mountain City, Tenn.	Farmers State Bancshares Inc.	commercial	7.11	6.12	5,821	0.09	142,197
122	Central Savings Bank Sault Sainte Marie, Mich.	Central Bank Corp.	commercial	7.10	9.39	9,781	0.27	242,922
123	Village Bank St. Francis, Minn.	Village Bancshares Inc.	commercial	7.09	8.23	12,006	0.09	214,977
124	Lake Bank Two Harbors, Minn.	Mesaba Bancshares Inc.	commercial	7.08	4.47	6,419	0.07	120,909
	SunSouth Bank Dothan, Ala.	SunSouth Bancshares Inc.	commercial	7.08	8.68	6,235	2.44	149,345
126	Capitol National Bank Lansing, Mich.		commercial	7.01	10.09	5,911	-0.29	122,664
127	Northern Michigan Bank & Trust Escanaba	First Bancshares Corp.	commercial	6.98	8.72	11,983	0.02	241,918
128	CenTrust Bank Northbrook, Ill.	United Community Bancshares Inc.	commercial	6.97	9.66	3,960	-0.04	80,781
129	County First Bank La Plata, Md.		commercial	6.95	6.58	9,665	-0.05	226,001
130	Baybank Gladstone, Mich.	Baybank Corp.	commercial	6.84	5.30	3,462	0.06	91,193
131	Blue Grass Federal Savings and Loan Association Paris, Ky.		savings	6.83	6.95	1,761	0.83	37,282
132	Citizens State Bank Kingsland, Ga.	South Banking Co.	commercial	6.82	11.36	2,737	0.14	55,271
133	Talbot State Bank Woodland, Ga.	TSB Bancorp Inc.	commercial	6.76	6.78	2,487	0.37	72,334
134	Ladysmith Federal Savings and Loan Association Wis.		savings	6.73	6.28	1,987	0.65	45,997
	State Bank of Newburg Wis.	SBN Community Bancorp Inc.	commercial	6.73	6.37	8,552	-0.03	160,767
136	City First Bank of D.C. Washington, D.C.	CFBanc Corp.	commercial	6.67	3.86	10,718	0.68	251,977
137	New York Private Bank & Trust Corp.		BHC	6.64	7.69	276,829	0.01	6,674,068
	Providence Bank Alpharetta, Ga.		commercial	6.64	10.00	4,756	-0.02	110,251
139	Peoples Bank & Trust Buford, Ga.	Peoples Banktrust Inc.	commercial	6.63	6.74	9,228	0.37	268,030
140	Civis Bank Rogersville, Tenn.	Volunteer Bancorp Inc.	commercial	6.61	7.60	4,768	-0.01	108,670
	Rosedale Federal Savings and Loan Association Baltimore		savings	6.61	4.12	34,943	-2.08	816,293
142	United Bank of Union Mo.	Cardinal Bancorp II Inc.	commercial	6.55	6.67	14,617	1.99	307,353
143	Royal Banks of Missouri St. Louis	Royal Bancshares Inc.	commercial	6.51	8.98	22,163	0.01	416,641
144	First Federal Savings and Loan Association of Bath Maine		savings	6.47	6.81	6,771	0.03	118,195
145	Securant Bank & Trust Milwaukee	Capital Commerce Bancorp Inc.	commercial	6.46	9.90	9,031	0.29	185,266
146	Carter Bank & Trust Martinsville, Va.		commercial	6.45	3.84	168,631	0.02	4,923,913
	Texas Champion Bank Corpus Christi	Mesquite Financial Services Inc.	commercial	6.45	2.00	17,811	1.59	381,606
148	Community Shores Bank Muskegon, Mich.	Community Shores Bank Corp.	commercial	6.40	6.67	7,886	-0.11	191,160
149	Mechanics Bank Water Valley, Miss.	Mechanics Banc Holding Co.	commercial	6.39	5.58	8,821	0.11	220,214
150	SSBBank Stockbridge, Mich.	Stockbridge Bancorp. Inc.	commercial	6.38	6.47	2,478	1.00	61,790
151	First Arkansas Bank and Trust Jacksonville	First Arkansas BancShares Inc.	commercial	6.36	5.73	26,278	0.02	670,571
	First Southern Bank Patterson, Ga.		commercial	6.36	11.89	4,634	-0.08	107,512
153	First Capital Bank Laurinburg, N.C.	First Capital Bancshares Inc.	commercial	6.33	7.13	2,775	3.55	52,182
154	Adams County Building and Loan Co. West Union, Ohio		savings	6.32	6.11	812	0.00	24,015
155	Freedom Bank Inc. Belington, W.Va.	Freedom Bancshares Inc.	commercial	6.31	7.77	7,563	2.10	156,895
156	Kentland Federal Savings and Loan Association Ind.		savings	6.29	1.34	229	0.00	4,547
157	Persons Banking Co. Forsyth, Ga.	Persons Banking Co. Inc.	commercial	6.28	6.73	13,649	0.18	327,044
158	Markesan State Bank Wis.	Markesan Bancshares Inc.	commercial	6.26	5.69	8,260	1.60	162,649
159	Popular Inc. Hato Rey, Puerto Rico		BHC	6.21	5.88	1,443,000	0.77	36,147,000
160	Bank of Grandin Mo.		commercial	6.15	7.59	5,054	0.04	154,844
	Planters First Bank Hawkinsville, Ga.	Planters First Bancorp	commercial	6.15	8.35	11,881	-0.05	280,389
162	Hatboro Federal Savings FA Pa.		savings	6.10	6.17	18,529	0.08	495,375
163	Provident Financial Holdings Inc. Riverside, Calif.		savings	6.09	5.94	60,810	-0.05	1,173,751
164	American Patriot Bank Greeneville, Tenn.	American Patriot Financial Group Inc.	commercial	6.08	11.64	2,373	0.39	62,578
	McHenry Savings Bank Ill.	McHenry Bancorp Inc.	savings	6.08	6.67	9,359	0.63	253,084
166	Community Savings Bank Chicago		savings	6.04	6.70	12,612	-0.01	406,280
167	Community Bank of Trenton Ill.	CBT Bancorp Inc.	commercial	6.02	2.97	3,030	-0.05	77,906
168	Commercial State Bank Donalsonville, Ga.	Georgia Community Bancorp Inc.	commercial	6.01	6.29	3,022	-0.01	96,460
169	Tioga Franklin Savings Bank Philadelphia		savings	5.98	11.17	1,575	0.00	33,218
170	Covenant Bank Leeds, Ala.	Covenant Bancgroup Inc.	commercial	5.97	7.94	2,751	1.00	71,278
	Franklin County UNITED Bank Decherd, Tenn.	Franklin County UNITED Bancshares Inc.	commercial	5.97	8.79	3,467	-0.11	76,408
172	Devon Bank Chicago	Devon Bancorp Inc.	commercial	5.92	8.50	10,785	0.04	252,936
	First Federal Savings Bank Rochester, Ind.	American Midwest Financial Corp.	savings	5.92	6.52	15,046	0.14	351,603
174	State Bank of Burnettsville Ind.	SBB Bancshares Inc.	commercial	5.91	2.80	1,652	0.16	40,796
175	American Enterprise Bank Buffalo Grove, Ill.	A. E. Bancorp Inc.	commercial	5.87	4.81	8,610	-0.10	225,569
176	First Bank and Trust of Childress Texas	Childress Bancshares Inc.	commercial	5.85	1.31	2,963	0.00	90,846
177	First Federal Savings and Loan Association of Greensburg Ind.		savings	5.83	7.70	5,034	-0.06	145,318
	First National Bank of Bangor Wis.	Bosshard Banco Ltd.	commercial	5.83	7.70	8,417	0.00	225,755
	Santander Holdings USA Inc. Boston	Banco Santander SA	BHC	5.83	4.52	4,886,804	2.72	131,098,910
180	State Bank of Fairmont Minn.	Web Inc.	commercial	5.82	5.08	4,479	0.08	107,848
181	Harbor Bank of Maryland Baltimore	Harbor Bankshares Corp.	commercial	5.81	8.35	10,918	0.09	266,014
182	Gunnison Valley Bank Utah	GV Bancorp Inc.	commercial	5.80	5.94	4,303	1.63	85,210
183	Independence State Bank Wis.	Northern Financial Corp.	commercial	5.79	1.15	2,935	0.07	67,140
184	Port Byron State Bank Ill.	First Port Byron Bancorp Inc.	commercial	5.74	4.66	2,324	0.00	71,872
185	First Bank of Tennessee Spring City		commercial	5.72	5.68	13,702	2.03	291,670
	Madison Bank of Maryland Forest Hill	MB Bancorp Inc.	savings	5.72	8.35	5,374	0.00	139,351
187	Peoples Bank & Trust Co. of Hazard Ky.	Hazard Bancorp	commercial	5.68	3.31	11,661	0.40	275,533
188	American Bank of the North Nashwauk, Minn.	Mesaba Bancshares Inc.	commercial	5.67	7.19	26,045	0.01	573,301
189	Farmers & Merchants Bank Tomah, Wis.	F&M Bancorp of Tomah Inc.	commercial	5.65	11.07	7,145	-0.15	197,268
190	Cedar Security Bank Fordyce, Neb.	Cedar Financial Holding Inc.	commercial	5.64	2.86	2,567	0.06	54,141
	Independent Bank Corp. Grand Rapids, Mich.		BHC	5.64	7.71	88,374	-0.12	2,487,120
192	Oxford Bank Mich.	Oxford Bank Corp.	commercial	5.61	7.89	12,534	-0.11	328,033
	State Bank of Townsend Mont.	S.B.T. Financial Inc.	commercial	5.61	7.32	1,791	-0.01	57,504
194	Harrison Building and Loan Association Ohio		savings	5.59	7.09	6,427	0.05	220,029
195	Peoples Bank Chestertown, Md.	Peoples Bancorp Inc.	commercial	5.58	6.69	8,320	0.28	237,154
	SpiritBank Tulsa, Okla.	Spirit BankCorp Inc.	commercial	5.58	4.10	29,431	0.76	628,267
197	Davis Trust Co. Elkins, W.Va.	Davis Trust Financial Corp.	commercial	5.57	3.31	4,250	0.24	146,059
198	First National Bank of Mount Dora Fla.		commercial	5.55	3.26	5,896	-0.02	209,799
199	Alliance Bank & Trust Co. Gastonia, N.C.	AB&T Financial Corp.	commercial	5.54	3.64	6,273	0.08	143,492
200	United Community Bank Perham, Minn.	Perham State Bancshares Inc.	commercial	5.53	2.42	8,318	-0.10	271,918

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 June 13, 2016.

Source:

SNL Financial