Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

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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, 2015. Dollars in thousands
Published March 15, 2016

Rank   Parent
company
Type
of institution
Adjusted nonperforming
loan ratio*
Nonperformers** Net
chargeoffs†
Assets
Dec. 31 Year earlier
1 Eastern savings, FSB, Hunt Valley, Md.   savings 43.50 60.43 93,712.00 $0 $359,085
2 Integrity Bank Plus, Wabasso, Minn. Wabasso Bancshares, Inc. commercial 29.78 0.04 14,762.00 0 58,168
3 State Central Bank, Bonaparte, Iowa Logan Investment Corporation commercial 29.76 39.99 9,359.00 0 47,723
4 South Carolina Community Bank, Columbia, S.C. SCCB Financial Corporation commercial 29.36 38.61 10,551.00 2 52,995
5 Beach Community Bank, Fort Walton Beach, Fla. Beach Community Bancshares, Inc. commercial 27.38 27.21 103,018.00 1 534,388
6 Stonebridge Bank, West Chester, Pa. Stonebridge Financial Corp. commercial 25.86 21.79 19,813.00 1 115,796
7 Lafayette State Bank, Mayo, Fla.   commercial 25.30 30.91 14,726.00 3 80,939
8 Heartland Bank, Little Rock, Ark. Rock Bancshares, Inc. commercial 20.72 1.17 41,586.00 1 241,442
9 WestSide Bank, Hiram, Ga.   commercial 20.13 23.59 12,656.00 0 114,277
10 Liberty Bank, Salt Lake City, Utah   commercial 19.32 29.88 1,188.00 0 11,397
11 Harvest Community Bank, Pennsville, N.J.   commercial 18.71 19.02 21,376.00 5 141,841
12 North Milwaukee State Bank, Milwaukee, Wis. North Milwaukee Bancshares, Inc. commercial 17.78 21.68 7,385.00 4 67,115
13 Heritage Bank, Hinesville, Ga. Liberty Shares, Inc. commercial 17.60 17.67 47,539.00 2 528,812
14 Allied Bank, Mulberry, Ark. Acme Holding Company, Inc. commercial 17.44 15.55 8,801.00 3 79,327
15 Interamerican Bank, A FSB, Miami, Fla.   savings 16.47 15.51 26,685.00 0 209,668
16 City National Bank of New Jersey, Newark, N.J. City National Bancshares Corporation commercial 16.24 17.24 21,389.00 0 250,095
17 Mechanics and Farmers Bank, Durham, N.C. M&F Bancorp, Inc. commercial 15.98 15.09 26,350.00 0 298,014
18 First City Bank of Florida, Fort Walton Beach, Fla. Florida First City Banks, Inc. commercial 15.45 15.45 21,010.00 0 211,471
19 Community 1st Bank Las Vegas, Las Vegas, N.M. FNB Financial Corporation commercial 15.19 19.55 10,174.00 3 130,000
20 Wilmington savings, Wilmington, Ohio   savings 15.01 18.24 14,661.00 0 118,209
21 First National Bank, Waupaca, Wis. Waupaca Bancorporation, Inc. commercial 14.45 7.40 61,999.00 1 547,516
22 Valley Bank of Nevada, North Las Vegas, Nev.   commercial 14.01 17.86 9,890.00 0 95,736
23 Gateway Bank, F.S.B, Oakland, Calif.   savings 13.93 11.05 12,722.00 1 137,143
24 Horry County State Bank, Loris, S.C. HCSB Financial Corporation commercial 13.89 12.41 29,091.00 1 361,387
25 Leaders Bank, Oak Brook, Ill.   commercial 13.73 16.12 38,444.00 0 352,339
26 Gwinnett Community Bank, Duluth, Ga. Community Financial Holding Company, Inc. commercial 13.45 19.97 24,896.00 2 341,216
27 Seaway Bank and Trust Company, Chicago, Ill. Seaway Bancshares, Inc. commercial 13.41 7.59 31,306.00 5 369,444
28 F & M Bank and Trust Company, Manchester, Ga. F and M Holding Company, Inc. commercial 13.19 11.54 6,962.00 0 78,702
29 Fayette County Bank, Saint Elmo, Ill. Fayette County Bancshares, Inc. commercial 13.01 9.79 3,749.00 1 36,276
30 Champion Bank, Parker, Colo.   commercial 13.00 14.02 4,817.00 0 51,343
31 Trust Company Bank, Memphis, Tenn. Heritage Bancorp, Inc. commercial 12.98 5.44 1,509.00 1 20,709
32 Beal Financial Corporation, Plano, Tex.   savings 12.96 13.48 617,241.00 8 6,822,219
33 Guaranty Financial, MHC, Milwaukee, Wis.   savings 12.90 17.58 95,155.00 1 1,034,366
34 Columbia Savings and Loan Association, Milwaukee, Wis.   savings 12.81 5.80 2,503.00 0 23,684
35 Peoples Bank, Eatonton, Ga. Peoples Bankshares, Inc. commercial 12.75 11.67 9,838.00 0 131,187
36 Stanley Bank, Overland Park, Kan. Columbus Corp. commercial 12.57 13.18 9,062.00 0 98,622
37 SOUTHBank, A Federal savings, Huntsville, Ala. Commonwealth Savingshares Corporation savings 12.49 11.77 4,113.00 -2 65,358
38 West Pointe Bank, Oshkosh, Wis. West Pointe Bancshares, Inc. commercial 12.04 16.10 26,874.00 0 273,947
39 First State Bank, Barboursville, W.Va. First Bankshares, Inc. commercial 11.78 10.98 19,725.00 3 234,265
40 American Founders Bank, Inc., Louisville, Ky.   commercial 11.53 3.26 8,326.00 0 96,918
41 Security State Bank, Iron River, Wis. Security Bank Shares, Inc. commercial 11.49 12.29 6,739.00 1 82,546
42 Brickyard Bank, Lincolnwood, Ill. Brickyard Bancorp, Inc. commercial 11.31 6.69 8,175.00 0 115,389
43 Prairie Community Bank, Marengo, Ill. Marengo Bancshares, Inc. commercial 11.17 14.91 8,482.00 2 107,137
44 Surety Bank, Deland, Fla.   commercial 11.09 12.08 5,837.00 0 92,958
45 Putnam County National Bank of Carmel, Carmel, N.Y.   commercial 10.87 14.60 8,627.00 1 157,470
46 North Side Federal Savings and Loan Association of Chicago, Chicago, Ill.   savings 10.85 11.30 2,879.00 0 45,064
47 Merchants commercial, Saint Thomas, V.I.   commercial 10.80 9.53 9,483.00 1 143,205
48 Baraboo National Bank, Baraboo, Wis. Baraboo Bancorporation, Inc. commercial 10.79 11.54 28,995.00 0 426,889
49 South Lafourche Bank & Trust Company, Larose, La. Lafourche Bancshares, Inc. commercial 10.67 12.70 14,644.00 0 162,632
50 Bay Bank, Green Bay, Wis. Bay Bancorporation, Inc. commercial 10.62 14.10 5,433.00 1 81,021
51 HomePride Bank, Mansfield, Mo. Banc 60, Inc. commercial 10.55 10.94 8,658.00 0 102,686
52 Home Loan Investment Bank, F.S.B., Warwick, R.I. Prospect Financial Corporation savings 10.46 12.36 19,958.00 0 224,192
53 Georgia Primary Bank, Atlanta, Ga.   commercial 10.41 10.45 10,813.00 0 151,614
54 Crown Bank, Elizabeth, N.J.   commercial 10.31 14.79 35,837.00 0 490,279
55 Martinsville First savings, Martinsville, Va.   savings 10.22 9.50 2,378.00 0 42,807
56 Ripley Federal savings, Ripley, Ohio   savings 10.12 12.68 5,330.00 0 67,036
57 Hometown Bank of the Hudson Valley (MHC), Walden, N.Y. Hometown Bancorp MHC savings 10.08 10.32 10,930.00 0 119,593
58 TransCapital Bank, Sunrise, Fla.   commercial 10.05 13.76 12,342.00 0 169,350
59 1st Equity Bank Northwest, Buffalo Grove, Ill. Northwest Equity Corp. commercial 9.97 15.11 2,750.00 0 36,489
60 Citizens savings, Bogalusa, La.   savings 9.96 6.99 16,263.00 0 205,776
61 Peoples State Bank, Lake City, Fla. PSB BancGroup, Inc. commercial 9.93 10.24 5,320.00 0 74,679
62 Morganton savings, S.S.B., Morganton, N.C.   savings 9.69 6.49 4,109.00 0 79,864
63 Ruby Valley National Bank, Twin Bridges, Mont. TwinCo, Inc. commercial 9.62 13.54 5,213.00 0 92,146
  Enterprise Bank of South Carolina, Ehrhardt, S.C.   commercial 9.62 17.36 16,162.00 2 315,004
65 Kopernik Bank, Baltimore, Md.   savings 9.61 7.59 4,542.00 0 69,412
  Columbia Bank, Lake City, Fla. First Columbia Bancorp, Inc. commercial 9.61 12.84 11,837.00 0 181,128
67 City First Bank of D.C., National Association, Washington, D.C. CFBanc Corporation commercial 9.52 4.04 15,867.00 0 256,997
68 Pinnacle Bank, Orange City, Fla. Pinnacle BHC, Inc. commercial 9.49 15.37 7,401.00 0 151,919
69 commercial of Oak Grove, Oak Grove, Mo. Country Agencies & Investments, Inc. commercial 9.37 10.97 3,943.00 -1 72,097
70 ABC Bank, Chicago, Ill. Greater Chicago Financial Corp. commercial 9.24 12.69 21,800.00 1 332,640
71 SunSouth Bank, Dothan, Ala. SunSouth Bancshares, Inc. commercial 9.20 9.56 8,058.00 0 150,749
72 First Credit Bank, Los Angeles, Calif.   commercial 9.17 4.23 29,139.00 0 404,012
73 Trinity Capital Corporation, Los Alamos, N.M.   BHC 9.12 11.65 77,022.00 1 1,403,325
74 Johnson County Bank, Mountain City, Tenn.   commercial 9.10 14.65 5,647.00 0 120,225
75 Regent Bank, Davie, Fla. Regent Bancorp, Inc. commercial 9.06 12.79 24,806.00 0 362,356
76 Liberty Federal savings, Enid, Okla.   savings 9.04 7.53 4,307.00 0 91,307
77 Santander BanCorp, San Juan, P.R. Banco Santander, SA BHC 9.03 7.97 368,220.00 1 5,537,749
  State Bank & Trust Company, Golden Meadow, La. SBT Bancshares, Inc. commercial 9.03 8.05 8,737.00 1 135,878
79 First BanCorp., San Juan, P.R.   BHC 9.01 11.17 837,402.00 2 12,573,019
  First Community National Bank, Cuba, Mo. Steelville Community Banc-Shares, Inc. commercial 9.01 1.58 13,191.00 3 206,583
81 Tri-State Bank of Memphis, Memphis, Tenn.   commercial 9.00 6.98 6,773.00 1 111,042
82 Grand Timber Bank, McGregor, Minn. McGregor Banco, Inc. commercial 8.86 10.09 2,462.00 0 42,815
83 Brighton Bank, Brighton, Tenn. Brighton Bancorp, Inc. commercial 8.77 8.25 3,838.00 0 53,850
84 Security State Bank of Warroad, Warroad, Minn. Warroad Bancshares, Inc. commercial 8.69 4.95 3,967.00 0 91,334
85 Citizens Bank, Mukwonago, Wis. Citizens Bank Holding, Inc. commercial 8.68 9.61 37,142.00 0 667,953
86 Farmers & Merchants Bank, Lakeland, Ga. FMB Bancshares, Inc. commercial 8.66 9.91 34,543.00 1 542,495
87 Heritage Bank, Jonesboro, Ga. CCF Holding Company commercial 8.64 9.69 23,845.00 0 394,807
88 Hebron savings, Hebron, Md. HSB Bancorp, Inc. commercial 8.63 5.21 38,195.00 1 557,141
89 Anchor commercial, Juno Beach, Fla.   commercial 8.60 16.24 6,211.00 0 109,764
90 Mohave State Bank, Lake Havasu City, Ariz. State Bank Corp. commercial 8.39 11.04 18,537.00 0 325,311
91 Central savings, Sault Sainte Marie, Mich. Central Bank Corporation commercial 8.38 10.91 11,497.00 1 246,096
92 CoreFirst Bank & Trust, Topeka, Kan. Commerce Bank and Trust Holding Company commercial 8.36 7.26 42,138.00 0 891,158
93 Commerce Bank of Arizona, Inc., Tucson, Ariz. CBOA Financial, Inc. commercial 8.33 10.69 11,784.00 0 173,525
94 Seamen's Bank, Provincetown, Mass.   savings 8.28 8.11 18,203.00 0 342,551
95 County Bank, Rehoboth Beach, Del. CB Financial Corporation commercial 8.27 8.27 20,051.00 0 337,615
  First South Bank, Spartanburg, S.C. First South Bancorp, Inc. commercial 8.27 11.53 12,824.00 0 242,783
97 CenTrust Bank, National Association, Northbrook, Ill. United Community Bancshares, Inc. commercial 8.26 11.15 4,362.00 1 73,490
98 Friends Bank, New Smyrna Beach, Fla.   commercial 8.25 15.11 5,568.00 1 94,508
99 Bank of Fincastle, Fincastle, Va.   commercial 8.22 6.39 12,221.00 3 216,062
100 Scotiabank de Puerto Rico, San Juan, P.R. Bank of Nova Scotia commercial 8.13 7.27 305,464.00 1 4,617,669
101 Urban Partnership Bank, Chicago, Ill.   commercial 8.11 1.16 39,865.00 2 635,792
102 Mutual Savings Association, FSA, Leavenworth, Kan.   savings 8.08 13.50 9,230.00 0 197,091
103 First Alliance Bank, Cordova, Tenn. First Alliance Bancshares, Inc. commercial 7.98 5.44 7,688.00 0 119,527
104 First National Bank of Wauchula, Wauchula, Fla. First Hardee Holding Corporation commercial 7.95 9.20 3,259.00 0 72,996
105 American Metro Bank, Chicago, Ill. American Metro Bancorp, Inc. commercial 7.94 14.91 3,702.00 1 63,479
106 United Bank of Philadelphia, Philadelphia, Pa. United Bancshares, Inc. commercial 7.91 7.04 3,101.00 1 59,001
107 First Federal Savings and Loan Association of Lorain, Lorain, Ohio   savings 7.89 7.41 20,982.00 1 423,294
108 Bank of Eastman, Eastman, Ga. Magnolia Bankshares, Inc. commercial 7.83 9.68 9,215.00 0 176,372
109 Securant Bank & Trust, Milwaukee, Wis. Capital Commerce Bancorp, Inc. commercial 7.82 11.25 11,186.00 0 183,539
110 Capitol National Bank, Lansing, Mich.   commercial 7.75 9.67 6,363.00 0 116,811
111 Whitaker Bank Corporation of Kentucky, Lexington, Ky.   BHC 7.70 9.27 69,904.00 1 1,792,526
112 St. Landry Homestead Federal savings, Opelousas, La.   savings 7.66 8.88 13,615.00 0 225,040
113 Royal Banks of Missouri, Saint Louis, Mo. Royal Bancshares, Inc. commercial 7.65 9.01 25,938.00 0 422,160
114 First State Bank, Danville, Va.   commercial 7.64 21.36 1,767.00 2 37,274
115 Century Bank of Florida, Tampa, Fla. Century Bancshares of Florida, Inc. commercial 7.59 8.46 3,413.00 0 74,275
116 Marathon savings, Wausau, Wis.   savings 7.58 9.02 6,106.00 0 147,811
117 Providence Bank, Alpharetta, Ga.   commercial 7.56 10.17 5,338.00 0 108,853
118 Linn County State Bank, Coggon, Iowa Community Financial Corp. commercial 7.55 6.97 1,890.00 0 37,145
119 OFG Bancorp, San Juan, P.R.   BHC 7.54 7.20 352,022.00 1 7,099,149
120 County First Bank, La Plata, Md.   commercial 7.52 7.22 10,570.00 0 226,427
  First Western Mortgage Corporation, Fort Worth, Tex.   savings 7.52 4.46 40,436.00 0 961,431
122 Century Bank of Kentucky, Inc., Lawrenceburg, Ky. Century Bancshares, Inc. commercial 7.41 8.65 5,844.00 0 115,304
123 American Bank of the North, Nashwauk, Minn. Mesaba Bancshares, Inc. commercial 7.40 8.12 33,974.00 1 579,768
124 Spring Valley Bank, Wyoming, Ohio SV Bancorp, Inc. commercial 7.37 10.92 3,864.00 0 67,912
125 Landmark Bank, National Association, Fort Lauderdale, Fla. Giant Holdings, Inc. commercial 7.32 8.51 23,026.00 0 380,925
126 Northern Michigan Bank & Trust, Escanaba, Mich. First Bancshares Corporation commercial 7.30 8.15 12,044.00 0 243,421
127 Bank of Washington, Washington, Mo. Diamond Bancorp, Inc. commercial 7.29 11.42 33,490.00 1 598,857
128 Mid America Bank, Janesville, Wis. Wisconsin Bancorp, Inc. commercial 7.27 4.36 4,343.00 1 83,372
129 Central Bank, Savannah, Tenn.   commercial 7.25 7.37 4,575.00 1 100,560
130 Golden State Bank, Glendale, Calif. Golden State Bancorp commercial 7.24 12.84 6,464.00 0 126,099
131 Lake City Federal Bank, Lake City, Minn.   savings 7.23 5.37 3,649.00 0 68,028
132 Farmers & Merchants Bank, Tomah, Wis. F. & M. Bancorp of Tomah, Inc. commercial 7.19 11.14 8,895.00 0 196,340
  Citizens Bank of Cochran, Cochran, Ga. Putnam-Greene Financial Corporation commercial 7.19 9.98 3,001.00 0 71,874
134 Ladysmith Federal Savings and Loan Association, Ladysmith, Wis.   savings 7.16 9.69 2,103.00 0 45,085
135 Republic Bank, Bountiful, Utah   commercial 7.06 0.69 7,683.00 1 132,249
136 Community State Bank, Brook, Ind.   commercial 7.02 2.13 3,013.00 0 60,893
137 First Southern Bank, Patterson, Ga.   commercial 6.97 12.44 5,021.00 2 96,907
  Georgia Heritage Bank, Dallas, Ga.   commercial 6.97 7.39 3,375.00 0 74,315
139 Community savings, Chicago, Ill.   savings 6.93 7.23 14,441.00 0 411,283
140 Equitable Bank, S.S.B., Wauwatosa, Wis.   savings 6.92 9.75 18,112.00 0 303,765
141 Bank of Kaukauna, Kaukauna, Wis. Brogan Bankshares, Inc. commercial 6.90 7.74 4,903.00 1 91,506
142 Americana Community Bank, Sleepy Eye, Minn. Midwest Bancshares, Inc. commercial 6.87 5.99 4,486.00 0 121,528
143 Farmers State Bank, Mountain City, Tenn. Farmers State Bancshares, Inc. commercial 6.82 6.16 5,512.00 0 136,623
144 First Federal Savings and Loan Association of Bath, Bath, Maine   savings 6.80 6.93 7,118.00 0 120,370
145 Mutual Federal Bank (MHC), Chicago, Ill. Mutual Federal Bancorp, MHC savings 6.79 9.56 4,369.00 0 79,666
146 State Bank of Newburg, Newburg, Wis. SBN Community Bancorp, Inc. commercial 6.77 6.44 8,628.00 0 168,220
147 United Bank of Union, Union, Mo. Cardinal Bancorp II, Inc. commercial 6.76 6.87 15,327.00 0 298,475
148 St. Johns Bank and Trust Company, Saint Louis, Mo. Unity Bancshares, L.L.C. commercial 6.74 3.96 13,932.00 0 297,853
149 Goldwater Bank, N.A., Scottsdale, Ariz.   commercial 6.71 11.04 4,084.00 0 95,747
150 Bank of Commerce, Sarasota, Fla. Bank of Commerce Holdings, Inc. commercial 6.67 6.46 9,458.00 0 209,539
151 Peoples Bank & Trust, Buford, Ga. Peoples Banktrust, Inc. commercial 6.61 4.44 9,265.00 0 269,363
152 OptimumBank, Plantation, Fla. OptimumBank Holdings, Inc. commercial 6.59 14.29 5,592.00 0 127,328
  Brighton Bank, Salt Lake City, Utah Brighton Bancorp commercial 6.59 8.08 6,578.00 0 188,170
154 Mechanics Bank, Water Valley, Miss. Mechanics Banc Holding Company commercial 6.58 4.96 9,009.00 0 215,786
155 First Capital Bank, Laurinburg, N.C. First Capital Bancshares, Inc. commercial 6.53 5.46 2,988.00 -1 51,831
156 Bank of Grandin, Grandin, Mo.   commercial 6.49 5.41 5,315.00 1 155,106
157 1st Equity Bank, Skokie, Ill. First Equity Corp. commercial 6.45 8.36 4,377.00 0 92,837
158 Community Shores Bank, Muskegon, Mich. Community Shores Bank Corporation commercial 6.44 6.16 7,907.00 0 180,055
  Citizens Bank of Newburg, Rolla, Mo. Newburg Insurance Agency, Inc. commercial 6.44 2.90 6,578.00 0 155,734
160 New York Private Bank & Trust Corporation, New York, N.Y.   BHC 6.40 7.68 264,727.00 0 6,794,404
161 Planters First Bank, Hawkinsville, Ga. Mid State Banks, Inc. commercial 6.38 8.34 12,382.00 0 276,618
162 First Arkansas Bank and Trust, Jacksonville, Ark. First Arkansas BancShares, Inc. commercial 6.36 6.16 26,942.00 0 710,764
163 U.S. Century Bank, Doral, Fla.   commercial 6.32 8.47 45,673.00 1 910,252
164 Hatboro Federal Savings, FA, Hatboro, Pa.   savings 6.28 6.55 19,428.00 0 494,431
165 Provident Financial Holdings, Inc., Riverside, Calif.   savings 6.26 6.94 62,470.00 0 1,164,542
  Civis Bank, Rogersville, Tenn. Volunteer Bancorp, Inc. commercial 6.26 7.85 4,767.00 0 109,687
167 Security State Bank of Kenyon, Kenyon, Minn. Ellingson Corporation commercial 6.25 5.09 2,637.00 0 60,273
168 Village Bank, Saint Francis, Minn. Village Bancshares, Inc. commercial 6.24 8.39 9,852.00 -1 206,897
169 Harbor Bank of Maryland, Baltimore, Md. Harbor Bankshares Corporation commercial 6.23 8.02 10,198.00 0 287,246
  International Bank, Raton, N.M. Raton Capital Corporation commercial 6.23 4.77 9,419.00 0 300,486
171 Freedom Bank, Inc., Belington, W.Va. Freedom Bancshares, Inc. commercial 6.22 8.01 7,613.00 0 154,730
172 McHenry savings, McHenry, Ill. McHenry Bancorp, Inc. savings 6.21 6.72 9,494.00 0 245,281
173 Foundations Bank, Pewaukee, Wis. Generations Bancorp, Inc. commercial 6.16 1.66 4,618.00 0 125,733
174 Gunnison Valley Bank, Gunnison, Utah GV Bancorp, Inc. commercial 6.13 8.69 4,394.00 2 83,459
  First Bank of Tennessee, Spring City, Tenn.   commercial 6.13 5.76 14,663.00 0 287,223
176 State Bank of Burnettsville, Burnettsville, Ind. SBB Bancshares, Inc. commercial 6.10 2.92 1,677.00 0 40,670
  Calumet County Bank, Brillion, Wis. Calumet Bancshares, Incorporated commercial 6.10 5.12 2,980.00 0 95,259
178 Kentland Federal Savings and Loan Association, Kentland, Ind.   savings 6.09 0.00 227.00 0 4,624
179 Tioga Franklin savings, Philadelphia, Pa.   savings 6.08 12.15 1,581.00 1 33,170
  Franklin County UNITED Bank, Decherd, Tenn. Franklin County UNITED Bancshares, Inc. commercial 6.08 15.60 3,572.00 3 77,829
181 Northern Hancock Bank & Trust Company, Newell, W.Va.   commercial 6.07 4.43 1,161.00 1 27,430
  Popular, Inc., Hato Rey, P.R.   BHC 6.07 5.99 1,402,000.00 1 35,769,000
  First Community Bank, Newell, Iowa Newell Bancshares, Inc. commercial 6.07 0.08 3,337.00 0 95,532
184 Covenant Bank, Leeds, Ala. Covenant Bancgroup, Inc. commercial 6.06 7.50 2,993.00 3 72,964
185 Peoples Bank, Marion, Ky. Peoples-Marion Bancorp, Inc. commercial 6.00 2.82 1,868.00 0 38,181
186 First National Bank of Bangor, Bangor, Wis. Bosshard Banco, Ltd. commercial 5.99 8.03 8,504.00 0 236,361
187 American Enterprise Bank, Buffalo Grove, Ill. A. E. Bancorp, Inc. commercial 5.98 5.42 8,150.00 0 223,395
188 Carter Bank & Trust, Martinsville, Va.   commercial 5.97 3.94 156,777.00 0 4,893,968
189 Independence State Bank, Independence, Wis. Northern Financial Corporation commercial 5.95 1.05 2,987.00 0 66,845
  Oxford Bank, Oxford, Mich. Oxford Bank Corporation commercial 5.95 7.95 12,613.00 0 318,409
191 Persons Banking Company, Forsyth, Ga. Persons Banking Company, Inc. commercial 5.92 4.21 13,287.00 1 322,821
  First Federal Savings and Loan Association of Greensburg, Greensburg, Ind.   savings 5.92 8.79 5,197.00 0 148,704
193 First National Bank of Winnsboro, Winnsboro, Tex. Etex Banco, Inc. commercial 5.91 10.24 5,312.00 0 139,612
194 SpiritBank, Tulsa, Okla. Spirit BankCorp, Inc. commercial 5.89 5.78 33,081.00 1 659,341
  International Finance Bank, Miami, Fla.   commercial 5.89 2.85 14,215.00 0 318,213
196 Nantahala Bank & Trust Company, Franklin, N.C.   commercial 5.88 5.69 5,596.00 1 147,365
  American Patriot Bank, Greeneville, Tenn. American Patriot Financial Group, Inc. commercial 5.88 16.41 2,394.00 1 64,732
198 Madison Bank of Maryland, Forest Hill, Md. MB Bancorp, Inc. savings 5.87 7.73 5,561.00 0 134,288
199 Millington Bank, Millington, N.J. MSB Financial Corp. savings 5.86 7.11 15,583.00 0 375,742
200 Peoples Bank of the South, LaFollette, Tenn.   commercial 5.84 5.82 7,100.00 0 138,378

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 March 11, 2016.

Source:

SNL Financial
, Charlottesville, Va.
© 2016 American Banker