Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

September 12, 2016, 4:22 p.m. EDT 1 Min Read

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Banks and Thrifts with the Highest Adjusted Nonperforming Loan RatiosOn June 30, 2016. Dollars in thousands Published September 12, 2016
Rank		Parent company	Type of institution	Adjusted nonperforming loan ratio*		Nonperformers**	Net chargeoffs†	Assets
Rank		Parent company	Type of institution	June 30	Year earlier	Nonperformers**	Net chargeoffs†	Assets
1	Eastern Savings Bank FSB Hunt Valley, Md.		savings	38.57	58.06	$84,621	$0.40	$349,953
2	State Central Bank Bonaparte, Iowa	Logan Investment Corp.	commercial	35.18	32.15	9,506	-0.09	43,032
3	South Carolina Community Bank Columbia	SCCB Financial Corp.	commercial	27.80	36.23	9,629	0.88	51,578
4	Lafayette State Bank Mayo, Fla.		commercial	25.28	24.56	13,958	7.17	74,746
5	Beach Community Bank Fort Walton Beach, Fla.	Beach Community Bancshares Inc.	commercial	24.56	25.96	86,460	0.12	535,583
6	Stonebridge Bank West Chester, Pa.	Stonebridge Financial Corp.	commercial	23.79	24.97	16,475	1.70	103,088
7	Allied Bank Mulberry, Ark.	Acme Holding Co. Inc.	commercial	21.84	15.10	9,116	25.41	66,336
8	WestSide Bank Hiram, Ga.		commercial	18.77	23.84	12,467	1.52	122,372
9	Harvest Community Bank Pennsville, N.J.		commercial	17.61	18.82	18,413	0.69	132,194
10	Heartland Bank Little Rock, Ark.	Rock Bancshares Inc.	commercial	16.43	2.64	29,244	1.65	227,140
11	First City Bank of Florida Fort Walton Beach	Florida First City Banks Inc.	commercial	15.32	16.31	19,720	0.02	212,526
12	First State Bank Barboursville, W.Va.	First Bankshares Inc.	commercial	14.93	13.43	22,800	0.38	217,036
13	Liberty Bank Salt Lake City		commercial	14.84	19.01	1,113	0.00	12,100
14	City National Bank of New Jersey Newark	City National Bancshares Corp.	commercial	14.78	16.57	18,850	0.35	251,228
15	Interamerican Bank FSB Miami		savings	14.70	15.87	23,589	0.14	207,287
16	Community 1st Bank Las Vegas N.M.	FNB Financial Corp.	commercial	13.77	13.60	8,385	0.09	119,982
17	Wilmington Savings Bank Ohio		savings	13.49	19.53	13,889	0.28	127,418
18	State Bank & Trust Co. Golden Meadow, La.	SBT Bancshares Inc.	commercial	13.48	8.32	13,231	0.07	127,529
19	Fidelity Bank of Florida Merritt Island		commercial	13.44	1.91	16,598	1.39	233,667
20	Mechanics and Farmers Bank Durham, N.C.	M&F Bancorp Inc.	commercial	13.42	15.92	21,942	1.25	296,426
21	First State Bank of Healy Kan.		commercial	13.17	0.82	6,478	-0.01	84,544
22	Leaders Bank Oak Brook, Ill.		commercial	13.00	16.58	34,110	-0.02	329,794
23	Community State Bank Brook, Ind.		commercial	12.97	1.46	5,423	2.09	58,425
24	Columbia Savings and Loan Association Milwaukee		savings	12.92	15.56	2,445	0.00	23,415
25	Horry County State Bank Loris, S.C.	HCSB Financial Corp.	commercial	12.84	15.54	26,119	5.55	382,930
26	Valley Bank of Nevada North Las Vegas		commercial	12.68	17.03	9,657	0.00	96,655
27	American Founders Bank Inc. Louisville, Ky.		commercial	12.57	4.65	9,288	-0.21	96,651
28	Beal Financial Corp. Plano, Texas		savings	12.45	14.00	719,006	0.06	8,053,220
29	First National Bank Waupaca, Wis.	Waupaca Bancorp. Inc.	commercial	12.30	13.20	51,134	0.09	514,429
30	Commercial Bank of Oak Grove Mo.	Country Agencies & Investments Inc.	commercial	12.04	9.81	4,833	0.00	72,458
31	Gateway Bank FSB Oakland, Calif.		savings	11.75	13.80	10,309	1.12	133,920
32	Champion Bank Parker, Colo.		commercial	11.71	13.32	4,367	-0.06	46,533
33	First BanCorp. San Juan, Puerto Rico		BHC	11.26	9.56	1,002,035	1.07	12,508,702
	Security State Bank Iron River, Wis.	Security Bank Shares Inc.	commercial	11.26	9.27	6,604	0.56	84,301
35	South Lafourche Bank & Trust Co. Larose, La.	Lafourche Bancshares Inc.	commercial	11.25	9.60	15,331	0.21	161,426
36	Gwinnett Community Bank Duluth, Ga.	Community Financial Holding Co. Inc.	commercial	11.10	20.30	19,010	-0.17	327,455
37	Surety Bank Deland, Fla.		commercial	11.07	12.19	5,566	-0.04	91,876
38	Merchants Commercial Bank St. Thomas, V.I.		commercial	11.02	11.51	9,803	0.00	159,136
39	Brickyard Bank Lincolnwood, Ill.	Brickyard Bancorp Inc.	commercial	11.00	5.81	8,025	0.00	113,805
40	HomePride Bank Mansfield, Mo.	Banc 60 Inc.	commercial	10.97	3.03	9,060	0.00	101,975
41	Fayette County Bank St. Elmo, Ill.	Fayette County Bancshares Inc.	commercial	10.88	13.75	3,146	-0.06	34,719
42	Guaranty Financial MHC Milwaukee		savings	10.87	14.10	83,339	0.52	997,441
43	Peoples Bank & Trust Co. of Hazard Ky.	Hazard Bancorp	commercial	10.84	2.89	21,786	0.67	267,133
44	F&M Bank and Trust Co. Manchester, Ga.	F&M Holding Co. Inc.	commercial	10.75	10.53	5,480	0.37	79,739
45	Morganton Savings Bank SSB N.C.		savings	10.06	4.84	4,069	0.14	76,704
46	Grand Timber Bank McGregor, Minn.	McGregor Banco Inc.	commercial	10.04	6.53	2,729	-0.12	44,278
47	TransCapital Bank Sunrise, Fla.		commercial	10.02	10.94	12,612	0.27	179,400
48	Bay Bank Green Bay, Wis.	Bay Bancorp. Inc.	commercial	9.99	13.08	5,214	0.86	84,569
49	Seaway Bank and Trust Co. Chicago	Seaway Bancshares Inc.	commercial	9.68	9.41	21,679	0.10	378,781
50	Santander BanCorp San Juan, Puerto Rico	Banco Santander SA	BHC	9.67	8.34	383,154	1.30	5,396,415
51	Martinsville First Savings Bank Va.		savings	9.62	10.15	2,158	0.07	43,461
52	First South Bank Spartanburg, S.C.	First South Bancorp Inc.	commercial	9.61	9.06	15,406	-0.04	235,931
53	First Credit Bank Los Angeles		commercial	9.53	9.34	33,497	0.00	482,206
54	Home Loan Investment Bank FSB Warwick, R.I.	Prospect Financial Corp.	savings	9.43	12.59	19,492	0.20	240,465
55	Prairie Community Bank Marengo, Ill.	Marengo Bancshares Inc.	commercial	9.41	12.56	7,365	0.24	112,157
56	West Pointe Bank Oshkosh, Wis.	West Pointe Bancshares Inc.	commercial	9.30	15.39	20,399	-0.73	274,128
57	Tri-State Bank of Memphis Tenn.		commercial	9.20	11.27	7,023	-0.13	110,806
58	Crown Bank Elizabeth, N.J.		commercial	9.19	10.19	32,217	0.35	513,821
59	Ruby Valley National Bank Twin Bridges, Mont.	TwinCo Inc.	commercial	9.17	13.16	5,096	-0.01	93,471
60	Peoples State Bank Lake City, Fla.	PSB BancGroup Inc.	commercial	9.15	10.50	4,955	-0.09	78,796
61	First Community National Bank Cuba, Mo.	Steelville Community Banc-Shares Inc.	commercial	9.04	6.40	12,327	1.07	201,189
62	Ripley Federal Savings Bank Ohio		savings	9.01	11.19	4,753	-0.04	67,138
63	Bank of Fincastle Va.		commercial	8.97	5.34	12,793	1.85	207,983
64	Bank of Washington Mo.	Diamond Bancorp Inc.	commercial	8.91	10.85	40,649	0.07	590,634
	First State Bank of Swanville Minn.	Swanville Bancshares Inc.	commercial	8.91	0.33	1,488	0.07	24,025
66	Columbia Bank Lake City, Fla.	First Columbia Bancorp Inc.	commercial	8.86	11.53	11,843	-0.89	198,037
67	Farmers State Bank Markesan, Wis.	FS BancShares Inc.	commercial	8.83	7.58	3,913	1.41	76,445
68	Markesan State Bank Wis.	Markesan Bancshares Inc.	commercial	8.75	5.53	11,600	1.34	168,240
69	First Southern Bank Patterson, Ga.		commercial	8.64	9.04	6,013	-0.28	103,076
70	Urban Partnership Bank Chicago		commercial	8.61	2.37	35,527	1.20	601,955
71	Hebron Savings Bank Md.	HSB Bancorp Inc.	commercial	8.56	6.88	38,895	0.25	558,897
72	Trinity Capital Corp. Los Alamos, N.M.		BHC	8.55	11.36	69,244	-0.14	1,422,292
73	ABC Bank Chicago	Greater Chicago Financial Corp.	commercial	8.52	11.29	20,171	1.02	334,322
74	Citizens Savings Bank Bogalusa, La.		savings	8.46	5.92	13,859	0.00	212,476
75	Mohave State Bank Lake Havasu City, Ariz.	State Bank Corp.	commercial	8.36	7.99	18,531	-0.01	346,433
76	Carver State Bank Savannah, Ga.	Carver Financial Corp.	commercial	8.35	5.71	1,968	-0.02	39,810
77	Security State Bank of Kenyon Minn.	Ellingson Corp.	commercial	8.28	6.43	3,640	0.00	53,756
78	Bank of Kaukauna Wis.	Brogan Bankshares Inc.	commercial	8.24	9.54	5,884	0.20	92,896
	First Alliance Bank Cordova, Tenn.	First Alliance Bancshares Inc.	commercial	8.24	6.53	8,102	2.16	119,576
	Regent Bank Davie, Fla.	Regent Bancorp Inc.	commercial	8.24	12.17	23,831	-0.02	359,500
81	Scotiabank de Puerto Rico San Juan	Bank of Nova Scotia	commercial	8.10	8.27	281,988	0.95	4,348,846
82	Seamen's Bank Provincetown, Mass.		savings	7.98	7.89	18,456	0.00	342,860
83	First National Bank of Winnsboro Texas	Etex Banco Inc.	commercial	7.96	10.87	7,201	0.01	142,512
84	Liberty Federal Savings Bank Enid, Okla.		savings	7.90	10.01	4,012	-0.02	87,793
85	West Texas State Bank Snyder	WTSB Bancorp Inc.	commercial	7.83	0.10	5,932	-0.01	132,976
86	Freedom Bank Inc. Belington, W.Va.	Freedom Bancshares Inc.	commercial	7.82	7.82	9,435	0.02	155,370
87	Farmers Bank Carnegie, Okla.	Farmers Bancapital Corp.	commercial	7.79	6.35	2,176	-0.24	38,581
88	American Patriot Bank Greeneville, Tenn.	American Patriot Financial Group Inc.	commercial	7.77	8.03	2,981	0.34	59,830
89	Farmers & Merchants Bank Lakeland, Ga.	FMB Bancshares Inc.	commercial	7.72	9.56	31,510	0.02	542,489
90	OFG Bancorp San Juan, Puerto Rico		BHC	7.64	7.59	346,629	0.92	6,712,596
91	Citizens Bank Mukwonago, Wis.	Citizens Bank Holding Inc.	commercial	7.62	8.79	32,802	0.27	692,272
	Mutual Savings Association FSA Leavenworth, Kan.		savings	7.62	8.71	8,864	-0.06	192,964
93	Georgia Primary Bank Atlanta		commercial	7.61	8.44	8,432	-0.39	162,314
94	First National Bank of Wauchula Fla.	First Hardee Holding Corp.	commercial	7.59	9.40	3,055	-0.02	72,344
95	Grant County Bank Ulysses, Kan.	Resource One Inc.	commercial	7.52	3.30	10,524	0.10	232,815
96	Farmers-Merchants Bank & Trust Co. Breaux Bridge, La.		commercial	7.50	4.62	15,234	0.03	285,926
97	Johnson County Bank Mountain City, Tenn.		commercial	7.44	14.73	4,626	0.09	119,697
98	Georgia Heritage Bank Dallas		commercial	7.41	7.31	3,638	0.00	74,490
99	Bank of Eastman Ga.	Magnolia Bankshares Inc.	commercial	7.38	7.87	8,603	-1.13	170,646
100	Citizens Bank of Newburg Rolla, Mo.	Newburg Insurance Agency Inc.	commercial	7.35	6.06	7,558	0.09	159,652
	St. Landry Homestead Federal Savings Bank Opelousas, La.		savings	7.35	8.09	12,938	0.69	226,084
102	Central Bank Savannah, Tenn.		commercial	7.28	7.15	4,459	0.53	97,998
103	Century Bank of Florida Tampa	Century Bancshares of Florida Inc.	commercial	7.22	9.11	3,367	-0.32	72,104
104	Citizens National Bank at Brownwood Texas	Brownwood Bancshares Inc.	commercial	7.21	4.01	8,024	0.21	204,631
105	First Federal Savings and Loan Association of Lorain Ohio		savings	7.18	8.27	19,137	0.35	425,793
106	Texas Champion Bank Corpus Christi	Mesquite Financial Services Inc.	commercial	7.16	1.99	19,080	-0.01	353,585
107	Ladysmith Federal Savings and Loan Association Wis.		savings	7.15	10.07	2,307	0.08	47,720
108	First Capital Bank Laurinburg, N.C.	First Capital Bancshares Inc.	commercial	7.10	6.64	3,224	-0.02	52,718
109	Blue Grass Federal Savings and Loan Association Paris, Ky.		savings	7.08	5.88	1,719	-0.56	34,909
	First Federal Savings and Loan Association of Bath Maine		savings	7.08	7.45	7,344	-0.02	120,216
111	Enterprise Bank of South Carolina Ehrhardt		commercial	7.07	12.20	11,884	0.76	318,860
112	Friends Bank New Smyrna Beach, Fla.		commercial	7.06	8.96	4,608	-0.51	103,619
113	Bank of Grandin Mo.		commercial	7.05	6.92	5,836	1.23	154,406
114	Home National Bank Racine, Ohio		commercial	7.03	5.76	2,877	0.57	57,726
115	Civis Bank Rogersville, Tenn.	Volunteer Bancorp Inc.	commercial	7.02	5.82	5,034	0.03	107,592
116	Mutual Federal Bank MHC Chicago	Mutual Federal Bancorp MHC	savings	7.01	7.07	4,416	0.16	79,719
117	Community State Bank Union Grove, Wis.	Union Bancorp. Inc.	commercial	6.91	8.16	12,383	-0.02	322,513
118	Northern Michigan Bank & Trust Escanaba	First Bancshares Corp.	commercial	6.88	7.75	11,694	0.51	252,547
119	Commercial State Bank Donalsonville, Ga.	Georgia Community Bancorp Inc.	commercial	6.86	5.24	3,578	0.05	90,081
120	United Bank of Philadelphia Pa.	United Bancshares Inc.	commercial	6.83	7.42	2,808	0.39	54,493
121	Central Savings Bank Sault Sainte Marie, Mich.	Central Bank Corp.	commercial	6.82	9.84	9,668	0.03	243,696
	First Choice Bank Mercerville, N.J.		commercial	6.82	5.65	39,023	-0.46	1,101,117
	Frontier State Bank Oklahoma City		commercial	6.82	4.67	27,246	2.18	661,171
124	Century Bank of Kentucky Inc. Lawrenceburg	Century Bancshares Inc.	commercial	6.79	7.47	5,784	-0.02	117,388
125	Bank of Commerce Sarasota, Fla.	Bank of Commerce Holdings Inc.	commercial	6.74	6.40	9,144	0.77	209,077
	First National Bank of Barry Ill.	FNB Barry Bancorp Inc.	commercial	6.74	2.36	4,913	0.13	104,636
127	Providence Bank Alpharetta, Ga.		commercial	6.71	10.39	4,752	-0.05	108,440
128	Farmers State Bank Mountain City, Tenn.	Farmers State Bancshares Inc.	commercial	6.68	5.90	5,546	0.02	140,050
129	County Bank Rehoboth Beach, Del.	CB Financial Corp.	commercial	6.67	8.74	15,980	4.64	336,408
130	American Metro Bank Chicago	American Metro Bancorp Inc.	commercial	6.61	13.11	3,132	2.19	62,639
131	Whitaker Bank Corp. of Kentucky Lexington		BHC	6.54	9.17	59,150	-0.07	1,780,025
132	Hometown Bank of the Hudson Valley MHC Walden, N.Y.	Hometown Bancorp MHC	savings	6.53	9.86	7,119	0.52	120,955
133	Marathon Savings Bank Wausau, Wis.		savings	6.51	8.30	5,599	3.40	145,173
134	Farmers Security Bank Washburn, N.D.	McLean Bank Holding Co.	commercial	6.50	0.00	2,420	0.00	52,156
135	Lake City Federal Bank Minn.		savings	6.48	7.34	3,420	-0.07	72,137
136	Commerce Bank of Arizona Inc. Tucson	CBOA Financial Inc.	commercial	6.47	12.04	9,313	0.09	174,616
137	Capitol National Bank Lansing, Mich.		commercial	6.44	9.03	5,607	-0.06	126,465
	Maple Bank Champlin, Minn.	Maple Financial Holding Co.	commercial	6.44	6.31	2,597	0.00	52,309
	Mechanics Bank Water Valley, Miss.	Mechanics Banc Holding Co.	commercial	6.44	5.21	9,078	3.67	220,854
140	Citizens State Bank of Hayfield Minn.	Country Bankers Inc.	commercial	6.42	3.30	4,297	0.15	89,242
141	CoreFirst Bank & Trust Topeka, Kan.	Commerce Bank and Trust Holding Co.	commercial	6.39	7.63	33,052	1.09	885,413
142	Bank Plus Estherville, Iowa	Swea City Bancorp. Inc.	commercial	6.37	2.46	6,520	0.00	128,125
	County First Bank La Plata, Md.		commercial	6.37	7.15	8,957	-0.34	226,423
144	First National Bank Rotan, Texas	Rotan Bancshares Inc.	commercial	6.34	2.95	2,298	-0.02	69,352
145	First Security Bank & Trust Co. Charles City, Iowa	Cedar Valley Bankshares Ltd.	commercial	6.30	3.28	20,916	-0.01	515,912
	State Bank of Newburg Wis.	SBN Community Bancorp Inc.	commercial	6.30	7.28	8,232	-0.01	163,667
147	Pinnacle Bank Orange City, Fla.	Pinnacle Bank Holding Co. Inc.	commercial	6.27	13.11	4,270	0.47	118,800
	Securant Bank & Trust Milwaukee	Capital Commerce Bancorp Inc.	commercial	6.27	8.70	8,858	-0.36	212,840
149	North Side Federal Savings and Loan Association of Chicago		savings	6.25	12.00	1,609	-0.31	45,326
150	Community Savings Bank Chicago		savings	6.22	7.04	13,051	-0.03	406,502
	Santander Holdings USA Inc. Boston	Banco Santander SA	BHC	6.22	5.14	5,213,514	1.77	126,502,203
152	Rosedale Federal Savings and Loan Association Baltimore		savings	6.21	4.84	33,545	0.40	822,017
153	Kentland Federal Savings and Loan Association Ind.		savings	6.20	5.32	236	0.00	4,714
154	Popular Inc. Hato Rey, Puerto Rico		BHC	6.19	6.03	1,439,600	0.50	37,606,000
	Putnam County Bank Hurricane, W.Va.	Putnam Bancshares Inc.	commercial	6.19	1.74	27,891	0.23	649,596
156	Carter Bank & Trust Martinsville, Va.		commercial	6.18	3.61	166,382	0.14	4,905,368
157	Southern Bank Co. Gadsden, Ala.	Southern Banc Co. Inc.	commercial	6.13	2.21	3,562	10.39	98,209
158	Community Bank of Trenton Ill.	CBT Bancorp Inc.	commercial	6.12	1.66	3,333	0.00	79,599
159	Bank of Prescott Ark.	Prescott Bancshares Inc.	commercial	6.11	0.77	2,691	0.00	81,901
	First National Bank & Trust Co. of McAlester Okla.	First of McAlester Corp.	commercial	6.11	5.31	14,188	0.14	451,667
161	Nantahala Bank & Trust Co. Franklin, N.C.		commercial	6.06	6.47	5,924	0.66	147,946
162	Kopernik Bank Baltimore		savings	6.02	10.96	4,654	1.05	103,712
163	First Arkansas Bank and Trust Jacksonville	First Arkansas BancShares Inc.	commercial	6.00	5.57	25,641	0.14	716,003
164	Bay-Vanguard FSB MHC Sparrows Point, Md.	Bay-Vanguard MHC	savings	5.98	4.01	7,629	1.70	169,154
165	American Enterprise Bank Buffalo Grove, Ill.	A.E. Bancorp Inc.	commercial	5.97	6.28	8,424	-0.13	209,056
	Independence State Bank Wis.	Northern Financial Corp.	commercial	5.97	1.09	2,933	0.01	64,875
167	State Bank of Burnettsville Ind.	SBB Bancshares Inc.	commercial	5.96	4.94	1,680	-0.03	40,723
168	State Bank of Fairmont Minn.	Web Inc.	commercial	5.95	5.29	4,466	-0.05	104,153
	SunSouth Bank Dothan, Ala.	SunSouth Bancshares Inc.	commercial	5.95	9.24	5,562	1.67	151,826
170	Baraboo National Bank Wis.	Baraboo Bancorp. Inc.	commercial	5.90	9.41	15,397	0.14	405,477
171	Republic Bank Bountiful, Utah		commercial	5.89	4.21	4,436	7.83	103,919
172	Peoples Bank Eatonton, Ga.	Peoples Bankshares Inc.	commercial	5.86	12.50	4,501	0.64	126,003
173	Madison Bank of Maryland Forest Hill	MB Bancorp Inc.	savings	5.81	7.87	5,376	0.35	135,585
	Planters First Bank Hawkinsville, Ga.	Planters First Bancorp	commercial	5.81	6.38	11,779	-0.04	280,968
175	Adams County Building and Loan Co. West Union, Ohio		savings	5.80	6.35	786	0.00	24,342
176	Community Shores Bank Muskegon, Mich.	Community Shores Bank Corp.	commercial	5.78	5.71	7,350	0.21	178,267
177	CenTrust Bank Northbrook, Ill.	United Community Bancshares Inc.	commercial	5.76	9.57	3,577	2.13	81,809
178	Persons Banking Co. Forsyth, Ga.	Persons Banking Co. Inc.	commercial	5.70	6.75	12,339	1.68	325,923
179	Bank of Bartlett Tenn.	West Tennessee Bancshares Inc.	commercial	5.68	4.46	11,037	0.18	350,338
	First State Bank Danville, Va.		commercial	5.68	22.14	1,306	-0.64	33,438
181	Harbor Bank of Maryland Baltimore	Harbor Bankshares Corp.	commercial	5.67	6.74	10,743	-0.41	250,776
182	First Bank and Trust of Childress Texas	Childress Bancshares Inc.	commercial	5.66	6.16	2,942	0.00	91,968
183	Tioga Franklin Savings Bank Philadelphia		savings	5.65	10.90	1,562	0.00	33,756
184	First Bank of Tennessee Spring City		commercial	5.61	6.32	13,707	0.02	294,481
185	City First Bank Washington, D.C.	CFBanc Corp.	commercial	5.59	7.62	8,309	0.00	231,846
	Garfield County Bank Jordan, Mont.	Garfield County Bancshares Inc.	commercial	5.59	2.36	3,384	0.05	77,999
187	United Cumberland Bank Whitley City, Ky.	McCreary Bancshares Inc.	commercial	5.57	6.03	10,060	0.16	293,023
188	Citizens Independent Bank St. Louis Park, Minn.	Bakken Securities Inc.	commercial	5.55	4.57	10,216	-0.05	289,731
	United Bank of Union Mo.	Cardinal Bancorp II Inc.	commercial	5.55	6.57	12,648	0.18	306,371
190	Union Bank & Trust Co. Monticello, Ark.	First Union Financial Corp.	commercial	5.54	3.58	8,036	0.18	210,005
191	McHenry Savings Bank Ill.	McHenry Bancorp Inc.	savings	5.50	6.43	8,646	0.29	252,507
192	Bank of Louisiana Mo.	Lincoln County Bancorp Inc.	commercial	5.49	4.90	1,693	0.00	49,747
	First Federal Savings Bank Rochester, Ind.	American Midwest Financial Corp.	savings	5.49	6.12	14,319	0.75	341,940
194	Farmers & Merchants Bank Tomah, Wis.	F&M Bancorp of Tomah Inc.	commercial	5.47	8.39	7,104	0.69	198,405
	Independent Bank Corp. Grand Rapids, Mich.		BHC	5.47	7.36	88,239	-0.24	2,452,696
	Peoples Bank & Trust Buford, Ga.	Peoples Banktrust Inc.	commercial	5.47	6.52	7,586	0.25	272,910
197	FNB Bank Inc. Romney, W.Va.	Eastern Bancshares Inc.	commercial	5.46	4.35	6,310	-1.73	176,031
	Huron National Bank Rogers City, Mich.	Huron National Bancorp Inc.	commercial	5.46	4.49	2,444	0.38	63,655
199	Citizens Bank Nashville, Ga.	Nashville Holding Co.	commercial	5.45	6.37	8,469	0.38	248,136
200	Blue Grass Valley Bank Va.		commercial	5.43	2.58	1,516	0.35	37,644

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 30, 2016.

Source:

SNL Financial