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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

September 19, 2022, 2:24 p.m. EDT 1 Min Read
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Source: S&P Global

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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*
Jun. 30		 Adjusted
nonperforming
loan ratio*
Year earlier		 Nonperformers** ($000) Net chargeoffs (%) Assets ($000)
1 The Pioneer Savings Bank Cleveland Ohio Commercial Bank 16.20 2.99 $3,805 -0.23 $42,639
2 Ashton State Bank Ashton Neb. Commercial Bank 12.00 14.76 1,394 -0.17 19,517
3 Security State Bank of Kenyon Kenyon Minn. Ellingson Corporation Commercial Bank 11.34 13.35 5,038 -0.02 76,091
4 First Central Bank McCook McCook Neb. Central Bancshares, Inc. Commercial Bank 11.25 10.68 11,874 -0.04 127,802
5 BancCentral, National Association Alva Okla. Myers BancShares, Inc. Commercial Bank 10.56 5.64 27,796 1.26 501,250
6 Vermont State Bank Vermont Ill. Commercial Bank 10.30 9.26 1,949 0.23 26,897
7 Fairview State Banking Company Fairview Ill. Commercial Bank 8.44 8.22 1,999 -0.02 35,497
Iowa State Bank Clarksville Iowa Clarkel, Inc. Commercial Bank 8.44 10.01 19,078 1.50 421,284
9 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 8.34 1.20 2,769 0.17 62,115
10 BankPacific, Ltd. Hagatna Guam Joseph & Angela Flores Trust Savings & Loan Assoc 7.40 3.83 7,334 0.31 188,720
11 Hustisford State Bank Hustisford Wis. Hustisford Community Bancorp., Inc. Commercial Bank 7.00 6.15 2,883 -0.04 72,181
12 Bank of Hillsboro, National Association Hillsboro Ill. Country Bancorp, Inc. Commercial Bank 6.32 7.16 19,889 -0.01 530,683
13 First Central Bank Cambridge Neb. Central Bancshares, Inc. Commercial Bank 6.30 6.47 5,776 -0.25 122,905
14 Central State Bank Clayton Ill. Clayton Bancshares, Inc. Commercial Bank 6.10 8.03 7,231 1.51 166,396
15 ACB Bank Cherokee Okla. Alfalfa County Bancshares, Inc. Commercial Bank 5.99 5.89 5,330 0.14 122,670
16 Alma Bank Astoria N.Y. Commercial Bank 5.91 5.96 63,391 -0.02 1,295,406
17 Rolette State Bank Rolette N.D. Commercial Bank 5.84 4.66 1,511 0.00 51,045
18 United Bank of Philadelphia Philadelphia Pa. United Bancshares, Inc. Commercial Bank 5.61 5.67 2,020 0.04 62,709
19 Garfield County Bank Jordan Mont. Garfield County Bancshares, Inc. Commercial Bank 5.59 8.09 2,852 -0.66 98,009
20 The State Exchange Bank Lamont Okla. State Exchange Bancshares, Inc. Commercial Bank 5.53 6.16 4,402 2.10 98,394
21 Union Bank & Trust Company Livingston Tenn. Overton Financial Services, Inc. Commercial Bank 5.39 4.79 3,283 0.09 106,820
22 Farmers and Merchants State Bank of Alpha Alpha Minn. Commercial Bank 5.33 6.10 1,323 0.02 38,847
23 Marion Community Bank Marion Ala. Marion Bancshares, Inc. Commercial Bank 5.30 4.81 8,220 -0.13 302,974
Reliance Bank Faribault Minn. Reliance Bancorporation, Inc. Commercial Bank 5.30 0.23 9,153 0.00 212,458
25 Sicily Island State Bank Sicily Island La. Commercial Bank 5.19 4.54 2,936 0.17 75,894
26 Farmers and Merchants Bank of Mound City, Kansas Mound City Kan. Cunningham Agency, Inc. Commercial Bank 5.17 7.95 1,763 0.00 50,047
27 First State Bank of Bigfork Bigfork Minn. Bigfork Bancshares, Inc. Commercial Bank 5.15 5.57 3,572 0.12 99,227
28 GN Bank Chicago Ill. Groupe Nduom Savings & Loan Assoc 5.09 6.14 3,063 0.23 76,619
29 Marion Center Bank Indiana Pa. Community Bankers' Corporation Commercial Bank 5.08 1.87 14,711 0.31 396,887
The First National Bank of Winnsboro Winnsboro Tex. Etex Banco, Inc. Commercial Bank 5.08 5.61 4,345 0.03 152,772
31 Plus International Bank Miami Fla. Commercial Bank 5.07 4.44 2,352 0.00 61,613
32 Colonial Savings, FA Fort Worth Tex. The JSD/GMDK Irrevocable Asset Trust Savings & Loan Assoc 4.91 4.51 33,701 -0.05 1,085,116
33 Citizens Bank and Trust Company Marks Miss. CB&T Bancshares, Inc. Commercial Bank 4.84 11.30 3,311 2.38 131,038
34 Integrity Bank Plus Wabasso Minn. Wabasso Bancshares, Inc. Commercial Bank 4.83 5.37 2,688 -0.01 90,863
35 Unity National Bank of Houston Houston Tex. Commercial Bank 4.77 2.16 5,963 -0.10 246,637
36 Citizens Savings Bank Bogalusa La. Savings Bank 4.75 6.87 9,011 0.01 273,587
37 Farmers State Bank Elmwood Ill. Elmwood Bancshares, Inc. Commercial Bank 4.72 6.01 1,491 0.00 59,842
38 Peoples State Bank Prairie Du Chien Wis. Peoples Bancorp, Inc. Commercial Bank 4.63 5.46 21,673 -0.05 911,156
39 Santander Holdings USA, Inc. Boston Mass. Banco Santander, S.A. Bank Holding Company 4.57 5.37 4,254,748 1.12 165,323,832
40 Columbia Savings and Loan Association Milwaukee Wis. Savings & Loan Assoc 4.53 4.28 860 0.00 26,652
41 First State Bank of Beecher City Beecher City Ill. Tri-County Bancshares, Inc Commercial Bank 4.49 4.64 2,619 0.06 98,423
42 California Pacific Bank San Francisco Calif. Commercial Bank 4.45 4.31 2,742 0.00 82,083
First Credit Bank Los Angeles Calif. Commercial Bank 4.45 3.27 18,230 0.00 512,496
44 Home National Bank Racine Ohio Commercial Bank 4.40 4.82 2,037 0.12 80,539
45 First Federal Savings and Loan Association of Bath Bath Maine Savings & Loan Assoc 4.37 4.99 4,881 0.00 182,713
46 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 4.33 5.73 2,571 0.00 79,045
Putnam County National Bank Carmel N.Y. Commercial Bank 4.33 4.97 4,904 0.21 192,749
48 State Bank of Nauvoo Nauvoo Ill. Commercial Bank 4.24 3.29 931 0.41 36,374
49 EvaBank Cullman Ala. Commercial Bank 4.21 4.55 12,829 -0.05 403,882
Nano Banc Irvine Calif. Allegiant United Holdings, LLC Commercial Bank 4.21 1.44 35,715 0.00 1,030,111
51 Carrollton Federal Bank Carrollton Ky. Savings & Loan Assoc 4.18 4.75 1,111 0.02 39,294
First BanCorp. San Juan P.R. Bank Holding Company 4.18 5.01 469,443 0.21 19,531,635
53 Talbot State Bank Woodland Ga. TSB Bancorp, Inc. Commercial Bank 4.12 3.57 1,376 0.00 58,030
54 North Side Federal Savings and Loan Association of Chicago Chicago Ill. Savings & Loan Assoc 4.07 5.69 1,007 0.00 45,196
55 Peoples Bank & Trust Company of Hazard Hazard Ky. Hazard Bancorp Commercial Bank 4.06 8.39 7,442 -2.05 274,876
56 The Bank Oberlin Kan. Decatur Investment, Inc. Commercial Bank 4.05 7.03 8,806 0.00 421,314
57 New York Private Bank & Trust Corporation New York N.Y. Bank Holding Company 4.04 4.98 170,739 0.87 5,642,209
58 United Pacific Bank City of Industry Calif. Commercial Bank 4.01 0.01 4,755 -0.02 161,351
59 Iowa Savings Bank Carroll Iowa Community Grain Co. Commercial Bank 3.99 0.19 6,392 0.00 266,684
60 First National Bank Spearman Tex. Spearman Bancshares, Inc. Commercial Bank 3.92 5.42 7,356 0.00 254,574
61 Hodge Bank & Trust Company Hodge La. Hodge Bancshares, Inc. Commercial Bank 3.91 4.58 1,835 -0.05 83,494
62 First Bank & Trust Company Duncan Okla. Commercial Bank 3.89 2.62 22,242 0.00 799,781
Western Bank of Clovis Clovis N.M. Western Bancshares of Clovis, Inc. Commercial Bank 3.89 3.16 1,755 0.00 64,392
64 SSB Bank Pittsburgh Pa. SSB Bancorp, MHC Savings Bank 3.88 3.05 7,629 0.00 239,683
65 Interamerican Bank, A Federal Savings Bank Miami Fla. Savings & Loan Assoc 3.82 5.31 6,458 -0.02 277,095
66 ESB Financial Emporia Kan. Namyaw Corporation, Inc. Commercial Bank 3.80 4.36 7,514 0.01 354,141
67 Main Street Bank Corp. Wheeling W.Va. Main Street Financial Services Corp. Commercial Bank 3.78 2.50 15,186 -0.03 589,808
68 Commercial State Bank of Wagner Wagner S.D. Commercial Holding Company Commercial Bank 3.76 4.72 4,950 0.26 238,258
69 Bank of Grandin Grandin Mo. Commercial Bank 3.73 3.23 3,867 0.53 198,979
Carver Bancorp, Inc. New York N.Y. Savings & Loan HC 3.73 2.57 20,716 0.00 690,928
71 Bank of Guam Hagatna Guam BankGuam Holding Company Commercial Bank 3.69 4.43 50,090 0.23 2,649,927
72 First Federal Savings and Loan Association Morehead Ky. Savings & Loan Assoc 3.68 4.71 1,046 0.00 35,929
Moody National Bank Galveston Tex. Moody Bancshares, Inc. Commercial Bank 3.68 4.33 34,101 -0.01 1,622,747
74 KANZA Bank Kingman Kan. KANZA Financial Corporation Commercial Bank 3.67 0.05 6,749 -0.01 282,501
75 Enterprise Bank Allison Park Pa. Enterprise Financial Services Group, Inc. Commercial Bank 3.66 3.43 10,317 0.01 365,256
76 The First National Bank of Carmi Carmi Ill. Southern Illinois Bancorp, Inc. Commercial Bank 3.59 2.09 13,842 -0.01 622,507
77 American Metro Bank Chicago Ill. American Metro Bancorp, Inc. Commercial Bank 3.57 6.32 2,109 -0.05 76,173
Crossroads Bank Yoakum Tex. First State Bancshares of Yoakum, Inc. Commercial Bank 3.57 0.70 5,541 0.01 304,485
Eastern Savings Bank Federal Savings Bank Hunt Valley Md. Savings & Loan Assoc 3.57 4.33 7,059 0.27 339,345
Maspeth Federal Savings and Loan Association Maspeth N.Y. Savings & Loan Assoc 3.57 3.11 63,122 -0.02 2,186,516
81 Royal Banks of Missouri Saint Louis Mo. Royal Bancshares, Inc. Commercial Bank 3.56 0.73 23,669 -0.24 1,036,984
82 The National Bank of Andrews Andrews Tex. Andrews Bancshares, Inc. Commercial Bank 3.53 3.28 5,299 0.00 264,361
83 The Farmers and Merchants Bank Caldwell Ohio FarmMerc, Inc. Commercial Bank 3.52 3.00 2,559 1.25 119,640
84 First Exchange Bank White Hall W.Va. Heritage Bancshares, Inc. Commercial Bank 3.50 3.30 8,777 0.16 320,046
85 OFG Bancorp San Juan P.R. Bank Holding Company 3.46 3.11 233,327 0.27 10,247,774
86 Mercer County State Bank Sandy Lake Pa. Mercer County State Bancorp, Inc. Commercial Bank 3.44 4.06 11,555 0.00 552,107
87 Elderton State Bank Elderton Pa. Keystrong Financial, Inc. Commercial Bank 3.43 4.40 9,707 -0.08 334,912
Millennium Bank Des Plaines Ill. Millennium Bancorp, Inc. Commercial Bank 3.43 1.43 6,842 -0.01 324,087
89 Peoples State Bank of Velva Velva N.D. Beall Bancshares Inc. Commercial Bank 3.40 6.28 3,173 -0.07 140,403
90 State Bank of Fairmont Fairmont Minn. Web, Inc. Commercial Bank 3.38 3.25 3,280 0.00 126,919
91 GNB Bank Grundy Center Iowa GNB Bancorporation Commercial Bank 3.37 2.56 13,579 -0.02 622,385
92 Raritan State Bank Raritan Ill. Raritan State Bancorp, Inc. Commercial Bank 3.36 2.10 4,888 0.01 239,837
93 First Federal Savings Bank of Washington Washington Ind. Savings Bank 3.35 2.25 1,738 0.00 75,233
94 Eastern National Bank Miami Fla. Commercial Bank 3.34 3.10 5,070 -0.28 251,494
95 Citizens Savings Bank and Trust Company Nashville Tenn. CSB&T Bancorp, Inc. Commercial Bank 3.32 1.52 3,556 0.07 137,430
96 First Federal Savings Bank Rochester Ind. American Midwest Financial Corporation Savings & Loan Assoc 3.31 4.69 13,602 0.00 519,727
Home Loan Investment Bank, F.S.B. Warwick R.I. Prospect Financial Corporation Savings & Loan Assoc 3.31 4.25 9,383 0.17 326,160
Security State Bank Iron River Wis. Security Bank Shares, Inc. Commercial Bank 3.31 3.87 2,385 -0.01 123,375
99 Amboy Bancorporation Old Bridge N.J. Bank Holding Company 3.30 4.53 51,382 -0.31 2,835,282
Kingstree Federal Savings and Loan Association Kingstree S.C. Kingstree Bancshares, M.H.C. Savings & Loan Assoc 3.30 3.20 804 0.00 38,665
101 Foresight Bank Plainview Minn. Plainview Bankshares, Inc. Commercial Bank 3.29 3.74 7,880 0.02 326,539
102 Farmers & Merchants Bank & Trust Marinette Wis. F & M Bankshares, Inc. Commercial Bank 3.28 3.95 3,351 0.00 169,838
103 Bank of Ontario Ontario Wis. Ontario Bancorporation, Inc. Commercial Bank 3.27 5.00 1,992 -0.03 69,192
104 Farmers State Bank Phillipsburg Kan. Phillips Holdings, Inc. Commercial Bank 3.24 8.62 649 -3.47 37,741
105 The First State Bank of Healy Healy Kan. Commercial Bank 3.23 2.47 1,554 -0.58 88,032
106 Citizens Independent Bank Saint Louis Park Minn. Bakken Securities, Inc. Commercial Bank 3.21 3.05 6,061 -0.20 348,153
107 Wray State Bank Wray Colo. HOTC Investment Co. Commercial Bank 3.20 3.56 4,516 0.45 195,114
108 Interstate Bank Perryton Tex. ISB Holdings, Inc. Commercial Bank 3.19 4.58 4,137 -0.01 234,101
109 First Secure Community Bank Sugar Grove Ill. First Secure Bank Group, Inc. Commercial Bank 3.13 3.50 7,958 -0.03 507,495
MCNB Bank and Trust Co. Welch W.Va. MCNB Banks, Inc. Commercial Bank 3.13 4.30 7,515 0.00 350,339
Union Bank Grand Rapids Mich. Union Financial Corporation Commercial Bank 3.13 4.50 6,312 -0.10 315,357
112 Citizens Community Bank Mascoutah Ill. Citizens Bancorporation, Inc. Commercial Bank 3.12 2.97 7,275 0.00 459,181
113 Peoples Bank Mendenhall Miss. Peoples Bancshares, Inc. Commercial Bank 3.11 5.06 9,741 0.33 424,054
114 Sterling Federal Bank, Federal Savings Bank Sterling Ill. Savings & Loan Assoc 3.10 3.44 8,247 0.00 468,442
Taylorsville Savings Bank, SSB Taylorsville N.C. Savings Bank 3.10 4.33 2,581 0.01 142,187
The Bank of Landisburg Landisburg Pa. Commercial Bank 3.10 4.09 7,839 0.03 353,486
117 Sterling Bancorp, Inc. (Southfield, MI) Southfield Mich. Savings & Loan HC 3.08 3.90 54,993 -0.09 2,508,712
The Fahey Banking Company Marion Ohio Commercial Bank 3.08 4.03 5,364 -0.12 261,945
119 The First National Bank and Trust Company of Okmulgee Okmulgee Okla. First Okmulgee Corporation Commercial Bank 3.07 4.07 5,159 -0.02 285,521
120 Bank of Chestnut Chestnut Ill. Commercial Bank 3.04 3.02 351 0.79 22,396
121 Community State Bank of Rock Falls Rock Falls Ill. Community Illinois Corporation Commercial Bank 3.03 3.49 5,708 0.01 322,755
Home Savings Bank, FSB Ludlow Ky. Savings & Loan Assoc 3.03 2.18 490 0.00 26,643
Thayer County Bank Hebron Neb. Thayer Agency, Inc. Commercial Bank 3.03 3.72 1,405 -0.06 76,132
124 Eastbank, National Association New York N.Y. Evergreen Holdings, LLC Commercial Bank 3.00 0.00 2,699 0.00 153,223
The State Bank of Toledo Toledo Iowa Tama County Abstract Company Commercial Bank 3.00 3.89 2,751 0.72 131,766
126 BankVista Sartell Minn. ABDO Investments, Inc. Commercial Bank 2.98 0.77 10,740 0.17 453,909
Industrial and Commercial Bank of China (USA), National Association New York N.Y. China Commercial Bank 2.98 1.83 75,467 0.00 2,781,046
128 Community State Bank Brook Ind. Commercial Bank 2.96 4.39 2,189 -0.02 98,820
Powell State Bank Powell Tex. Commercial Bank 2.96 4.23 550 1.83 35,959
State Bank of Downs Downs Kan. B Bank, Inc. Commercial Bank 2.96 3.89 2,922 -0.04 127,126
Washington Savings Bank Effingham Ill. Washington Savings MHC Savings Bank 2.96 3.47 9,779 0.00 581,924
132 The Farmers State Bank Westmoreland Kan. Commercial Bank 2.94 3.11 3,844 -0.70 231,791
133 Elysian Bank Elysian Minn. Elysian, Inc. Commercial Bank 2.92 2.94 1,158 -0.02 65,014
134 Ciera Bank Graham Tex. First Graham Bancorp, Inc. Commercial Bank 2.91 1.30 17,201 0.00 868,252
Neighborhood National Bank El Cajon Calif. Neighborhood Bancorp Commercial Bank 2.91 3.21 2,108 0.00 119,027
Security National Bank Witt Ill. LBT Bancshares, Inc. Commercial Bank 2.91 1.94 1,573 0.03 103,232
137 BankGloucester Gloucester Mass. Savings Bank 2.89 2.72 8,075 -0.01 344,854
Beauregard Federal Savings Bank DeRidder La. Beauregard Bancshares, Inc. Savings & Loan Assoc 2.89 0.93 1,263 0.00 74,669
Rosedale Federal Savings and Loan Association Baltimore Md. Savings & Loan Assoc 2.89 3.71 20,687 -0.02 1,068,623
140 Patriot Bank, National Association Stamford Conn. Patriot National Bancorp, Inc. Commercial Bank 2.88 4.46 24,917 0.04 1,048,932
Peoples Bank Chatham La. Commercial Bank 2.88 1.78 1,884 -0.04 83,718
142 Millennium Bank Ooltewah Tenn. PBD Holdings, LLC Commercial Bank 2.87 4.08 9,930 -0.17 535,524
143 Bank of Abbeville & Trust Company Abbeville La. BOA Financial Corporation Commercial Bank 2.86 2.83 3,019 0.02 206,714
Putnam County Bank Hurricane W.Va. Putnam Bancshares, Inc. Commercial Bank 2.86 3.30 9,993 -0.28 676,114
Wayne County Bank Waynesboro Tenn. Wayne County Bancshares, Inc. Commercial Bank 2.86 3.58 7,101 -0.09 407,158
146 Plains State Bank Plains Kan. Plains Bancshares, Inc. Commercial Bank 2.85 2.65 4,494 -0.04 270,662
West Plains Bank Ainsworth Neb. Commercial Investment Co., Inc. Commercial Bank 2.85 0.58 1,994 0.02 129,074
148 Bank of Dickson Dickson Tenn. Dickson Financial Corporation Commercial Bank 2.84 3.00 4,523 0.01 298,797
BankIowa Cedar Rapids Iowa Fidelity Ban Corporation Commercial Bank 2.84 2.92 14,524 0.04 786,780
Generations Bank Exeter Neb. Glaass Financial, LLC Commercial Bank 2.84 2.66 797 0.00 44,859
151 Community Bank Winslow Ill. Stateline Community Bancshares, Inc. Commercial Bank 2.83 2.50 4,725 -0.08 251,172
Ergo Bank Markesan Wis. FS BancShares, Inc. Commercial Bank 2.83 3.27 3,133 -0.02 138,208
Tensas State Bank Newellton La. Tensas Bancshares, Inc. Commercial Bank 2.83 2.84 2,907 -0.01 174,736
United Valley Bank Cavalier N.D. First Holding Company of Cavalier, Inc. Commercial Bank 2.83 2.80 10,895 0.07 571,579
155 Patriots Bank Garnett Kan. Garnett Bancshares, Inc. Commercial Bank 2.82 0.13 4,241 0.05 183,270
156 CenTrust Bank, National Association Northbrook Ill. United Community Bancshares, Inc. Commercial Bank 2.80 1.37 2,629 0.00 163,977
Commodore Bank Somerset Ohio Commodore Financial Network, Inc. Commercial Bank 2.80 1.95 1,399 -0.38 97,535
Prime Alliance Bank Woods Cross Utah Commercial Bank 2.80 4.90 13,773 4.10 571,860
The First Bank and Trust Company of Murphysboro Murphysboro Ill. First of Murphysboro Corp. Commercial Bank 2.80 1.54 1,547 -0.01 88,248
160 The First National Bank of Le Center Lonsdale Minn. Traxshares, Inc. Commercial Bank 2.78 4.38 2,406 -0.03 133,112
161 Northeast Bank Portland Maine Commercial Bank 2.77 3.58 36,133 -0.03 1,582,759
162 Bank of Commerce Duncan Okla. Commerce Bancorp, Inc. Commercial Bank 2.75 3.75 6,340 -0.17 335,797
Lakeside Bank of Salina Salina Okla. First Pryor Bancorp, Inc. Commercial Bank 2.75 3.40 1,080 0.16 52,128
164 First State Bank Elmore City Okla. Bluechip Bancshares, LLC Commercial Bank 2.74 3.38 281 0.00 18,868
165 The First National Bank of Lindsay Lindsay Okla. First Lindsay Corporation Commercial Bank 2.72 2.71 1,675 0.00 83,494
166 First Federal Savings and Loan Bank Olathe Kan. First Federal of Olathe Bancorp, Inc. Commercial Bank 2.71 3.25 2,196 0.00 94,869
167 Beneficial State Bank Oakland Calif. Beneficial State Foundation Commercial Bank 2.70 1.65 25,943 0.20 1,620,805
Farmers and Merchants State Bank of Pierz Pierz Minn. Farmers & Merchants Agency, Inc. Commercial Bank 2.70 3.28 5,328 0.00 307,571
FBT Bank & Mortgage Fordyce Ark. FBT Bancshares, Inc. Commercial Bank 2.70 4.28 3,076 -0.05 200,255
Marine Bank Springfield Ill. Marine Bancorp, Inc. Commercial Bank 2.70 1.17 13,345 0.00 727,677
Valley Bank of Ronan Ronan Mont. Valley Holding Company Commercial Bank 2.70 3.86 2,718 -0.04 169,452
172 Metropolitan Capital Bank & Trust Chicago Ill. Metropolitan Capital Bancorp, Inc. Commercial Bank 2.69 2.72 4,012 -0.05 240,311
173 Hatboro Federal Savings Hatboro Pa. Savings & Loan Assoc 2.67 3.15 9,167 0.00 585,082
Midstates Bank, National Association Council Bluffs Iowa Midstates Bancshares, Inc. Commercial Bank 2.67 4.25 10,213 -0.05 643,988
175 Bank of Clarkson Clarkson Ky. First Breckinridge Bancshares, Inc. Commercial Bank 2.66 0.09 2,051 0.01 150,199
176 Gateway First Bank Jenks Okla. Gateway First Bancorp, Inc Commercial Bank 2.63 1.72 32,497 -0.01 1,877,908
Parkway Bank and Trust Company Harwood Heights Ill. Parkway Bancorp, Inc. Commercial Bank 2.63 2.97 55,840 0.03 2,913,367
Rushford State Bank (Incorporated) Rushford Minn. Rushford State Bancorp, Inc. Commercial Bank 2.63 3.24 1,247 0.00 90,230
179 Peoples Savings Bank Wellsburg Iowa PSB Corporation Commercial Bank 2.62 1.79 2,384 0.04 132,304
180 Stearns Financial Services, Inc. Saint Cloud Minn. Bank Holding Company 2.61 3.06 48,492 0.08 2,227,836
181 INTRUST Financial Corporation Wichita Kan. Bank Holding Company 2.60 3.28 95,586 0.11 7,197,122
182 FreedomBank Elkader Iowa Freedombank Shares, Inc. Commercial Bank 2.59 3.59 7,672 -0.05 457,893
Reliance Savings Bank Altoona Pa. Reliance Bancorp, MHC Savings Bank 2.59 2.58 10,276 -0.03 629,322
184 International Bank of Chicago Chicago Ill. IBC Bancorp, Inc. Commercial Bank 2.58 3.98 17,380 0.45 872,772
The Home Savings and Loan Company of Kenton Kenton Ohio Commercial Bank 2.58 3.17 3,430 0.01 176,980
186 The Bank of Romney Romney W.Va. Romney Bankshares, Inc. Commercial Bank 2.55 2.03 6,729 0.00 363,325
The Savings Bank of Danbury Danbury Conn. SBD Bancorp, Inc. Savings Bank 2.55 3.17 26,382 -0.15 1,454,658
188 First Neighbor Bank, National Association Toledo Ill. First Neighborhood Bancshares, Inc. Commercial Bank 2.53 5.13 9,561 0.18 526,290
189 National Exchange Bank and Trust Fond du Lac Wis. NEB Corporation Commercial Bank 2.52 1.40 35,571 -0.03 2,571,656
190 Bristol Morgan Bank Oakfield Wis. Oakfield Bancorp., Inc. Commercial Bank 2.50 1.48 3,756 -0.01 174,460
United National Bank Cairo Ga. Commercial Bank 2.50 2.83 5,002 0.04 287,271
192 Bank of Erath Erath La. Bank of Erath Holding Company Commercial Bank 2.47 1.46 1,603 -0.01 118,558
First State Bank of Blakely Blakely Ga. First State Bancshares of Blakely, Inc. Commercial Bank 2.47 1.50 9,207 0.02 601,285
United Bank of Union Union Mo. Cardinal Bancorp II, Inc. Commercial Bank 2.47 2.38 8,173 0.00 453,417
195 F & M Bank and Trust Company Manchester Ga. F & M Holding Company, Inc. Commercial Bank 2.45 2.89 1,052 0.01 83,154
196 First National Bank of Albany/Breckenridge Albany Tex. Albany Bancshares, Inc. Commercial Bank 2.43 3.11 10,921 0.09 700,210
State Bank Waterloo Ill. SBW Bancshares, Inc. Commercial Bank 2.43 1.00 4,092 0.33 300,956
Tioga State Bank, N.A. Spencer N.Y. TSB Services, Inc. Commercial Bank 2.43 2.12 8,170 -0.01 542,207
199 First Federal Savings and Loan Association of Newark Newark Ohio Savings & Loan Assoc 2.42 2.44 3,591 0.00 255,855
PremierBank Fort Atkinson Wis. First American Bankshares, Inc. Commercial Bank 2.42 4.26 7,168 0.09 531,089

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 Sept. 16, 2022.

© 2022 American Banker

Source: https://www.spglobal.com/en/

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