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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

December 19, 2022, 5:38 p.m. EST 1 Min Read
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READ MORE 20 banks and thrifts with the highest adjusted nonperforming loan ratios

Source: S&P Global

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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios
Adjusted nonperforming loan ratio*
Rank Name City State Parent Name  Company Type  Sep. 30 Year earlier Nonperformers** ($000) Net chargeoffs***
(%)		 Assets($000)
1 BancCentral, National Association Alva Okla. Myers BancShares, Inc. Commercial Bank $12.11 $7.50 $26,327 1.62 $372,864
2 Vermont State Bank Vermont Ill. Commercial Bank 11.35 10.42 1,985 1.00 26,658
3 Security State Bank of Kenyon Kenyon Minn. Ellingson Corporation Commercial Bank 11.01 13.04 5,047 -0.02 72,856
4 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 9.49 1.38 2,750 -2.19 51,395
5 Fairview State Banking Company Fairview Ill. Commercial Bank 8.80 8.89 2,022 0.07 35,692
6 First Central Bank McCook McCook Neb. Central Bancshares, Inc. Commercial Bank 8.58 11.00 9,815 -0.06 146,576
7 Iowa State Bank Clarksville Iowa Clarkel, Inc. Commercial Bank 7.67 9.62 18,247 0.46 406,894
8 The First Bank and Trust Company of Murphysboro Murphysboro Ill. First of Murphysboro Corp. Commercial Bank 6.97 1.54 4,049 1.45 93,451
9 Hustisford State Bank Hustisford Wis. Hustisford Community Bancorp., Inc. Commercial Bank 6.86 5.97 2,866 0.00 69,282
10 United Bank of Philadelphia Philadelphia Pa. United Bancshares, Inc. Commercial Bank 6.42 4.63 2,220 -0.02 61,873
11 Central State Bank Clayton Ill. Clayton Bancshares, Inc. Commercial Bank 6.04 7.74 7,490 0.02 156,025
12 Farmers and Merchants Bank of Mound City, Kansas Mound City Kan. Cunningham Agency, Inc. Commercial Bank 5.98 7.61 2,068 0.04 50,755
13 Bank of Hillsboro, National Association Hillsboro Ill. Country Bancorp, Inc. Commercial Bank 5.82 7.09 19,271 0.00 542,538
14 Alma Bank Astoria N.Y. Commercial Bank 5.71 6.01 62,562 -0.07 1,304,562
15 GN Bank Chicago Ill. Groupe Nduom Savings & Loan Assoc 5.68 5.88 3,149 0.61 74,114
16 First Central Bank Cambridge Neb. Central Bancshares, Inc. Commercial Bank 5.58 6.36 5,704 -0.07 124,615
17 Bank of Morton Morton Miss. Morton Bancorp, Inc. Commercial Bank 5.49 2.16 2,228 -0.01 78,987
18 Union Bank & Trust Company Livingston Tenn. Overton Financial Services, Inc. Commercial Bank 5.34 4.86 3,194 -0.01 102,763
19 The State Exchange Bank Lamont Okla. State Exchange Bancshares, Inc. Commercial Bank 5.31 8.24 4,242 -0.02 94,365
20 State Bank of Scotia Scotia Neb. Commercial Bank 5.18 0.24 1,844 0.01 60,873
21 Marion Center Bank Indiana Pa. Community Bankers' Corporation Commercial Bank 5.06 2.46 15,325 0.05 406,138
22 Farmers State Bank Center Tex. Farmers Bancshares, Inc. Commercial Bank 4.89 6.35 9,720 0.00 389,353
23 First State Bank of Bigfork Bigfork Minn. Bigfork Bancshares, Inc. Commercial Bank 4.87 5.29 3,499 -0.33 100,593
24 Garfield County Bank Jordan Mont. Garfield County Bancshares, Inc. Commercial Bank 4.83 6.75 2,511 -0.08 93,508
25 Commercial State Bank of Wagner Wagner S.D. Commercial Holding Company Commercial Bank 4.80 4.61 6,425 0.10 234,647
Nano Banc Irvine Calif. Allegiant United Holdings, LLC Commercial Bank 4.80 1.42 39,810 0.04 1,026,271
27 California Pacific Bank San Francisco Calif. Commercial Bank 4.79 4.25 2,736 0.00 85,987
28 Marion Community Bank Marion Ala. Marion Bancshares, Inc. Commercial Bank 4.78 7.90 7,671 -0.01 305,633
29 Colonial Savings, FA Fort Worth Tex. The JSD/GMDK Irrevocable Asset Trust Savings & Loan Assoc 4.73 3.90 33,724 0.00 1,080,543
30 American Exchange Bank Elmwood Neb. American Exchange Company Commercial Bank 4.72 6.53 1,707 -0.01 72,045
31 Sicily Island State Bank Sicily Island La. Commercial Bank 4.71 4.31 2,910 0.16 76,583
32 BankProv Amesbury Mass. Provident Bancorp, Inc. Savings Bank 4.62 1.94 70,958 3.04 1,781,126
Integrity Bank Plus Wabasso Minn. Wabasso Bancshares, Inc. Commercial Bank 4.62 5.45 2,643 0.04 87,944
The Fahey Banking Company Marion Ohio Commercial Bank 4.62 3.20 8,245 -0.01 270,952
35 Noah Bank Elkins Park Pa. Commercial Bank 4.54 4.38 9,906 0.00 256,061
36 Citizens Savings Bank Bogalusa La. Savings Bank 4.52 6.77 8,983 0.17 271,697
37 First Federal Savings and Loan Association of Bath Bath Maine Savings & Loan Assoc 4.49 7.33 5,246 0.00 180,105
Santander Holdings USA, Inc. Boston Mass. Banco Santander, S.A. Bank Holding Company 4.49 5.37 4,357,220 2.19 166,828,828
The First National Bank of Winnsboro Winnsboro Tex. Etex Banco, Inc. Commercial Bank 4.49 5.56 4,332 0.06 159,587
40 Rolette State Bank Rolette N.D. Commercial Bank 4.47 4.91 1,308 0.03 48,357
41 First Credit Bank Los Angeles Calif. Commercial Bank 4.42 4.55 18,129 0.00 524,065
42 Bristol Morgan Bank Oakfield Wis. Oakfield Bancorp., Inc. Commercial Bank 4.41 1.37 6,427 0.01 170,237
43 Peoples State Bank Prairie Du Chien Wis. Peoples Bancorp, Inc. Commercial Bank 4.38 4.94 20,306 -0.01 865,054
44 Columbia Savings and Loan Association Milwaukee Wis. Savings & Loan Assoc 4.34 4.98 840 0.00 26,035
First State Bank of Beecher City Beecher City Ill. Tri-County Bancshares, Inc Commercial Bank 4.34 4.61 2,613 -0.03 106,625
46 Citizens Bank and Trust Company Marks Miss. CB&T Bancshares, Inc. Commercial Bank 4.28 10.16 3,017 0.10 121,498
47 Peoples Bank Mendenhall Miss. Peoples Bancshares, Inc. Commercial Bank 4.16 4.71 13,806 0.14 428,346
48 EvaBank Cullman Ala. Commercial Bank 4.14 3.91 12,827 -0.04 388,919
49 First Secure Community Bank Sugar Grove Ill. First Secure Bank Group, Inc. Commercial Bank 4.13 3.02 11,138 0.00 498,558
50 State Bank of Nauvoo Nauvoo Ill. Commercial Bank 4.11 3.08 938 0.32 36,933
51 First BanCorp. San Juan P.R. Bank Holding Company 4.10 4.64 463,708 0.31 18,442,034
The Putnam County National Bank of Carmel Carmel N.Y. Commercial Bank 4.10 4.67 4,816 -0.01 205,721
53 Unity National Bank of Houston Houston Tex. Commercial Bank 4.05 2.10 4,875 0.03 214,598
54 New York Private Bank & Trust Corporation New York N.Y. Bank Holding Company 4.04 4.06 171,469 1.35 5,865,853
55 ESB Financial Emporia Kan. Namyaw Corporation, Inc. Commercial Bank 4.02 4.20 7,779 0.06 351,331
The Bank Oberlin Kan. Decatur Investment, Inc. Commercial Bank 4.02 8.15 8,493 0.00 417,220
57 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 4.01 5.98 2,407 -0.01 78,591
58 Thayer County Bank Hebron Neb. Thayer Agency, Inc. Commercial Bank 4.00 3.37 1,912 -0.23 74,626
59 Farmers State Bank Elmwood Ill. Elmwood Bancshares, Inc. Commercial Bank 3.92 6.41 1,364 0.02 63,020
60 Talbot State Bank Woodland Ga. TSB Bancorp, Inc. Commercial Bank 3.91 3.75 1,301 0.04 54,722
61 First Security Bank and Trust Company Oklahoma City Okla. FSB Bancshares, Inc. Commercial Bank 3.90 2.48 2,056 0.02 74,054
62 CenTrust Bank, National Association Northbrook Ill. United Community Bancshares, Inc. Commercial Bank 3.85 1.65 3,576 0.00 152,663
North Side Federal Savings and Loan Association of Chicago Chicago Ill. Savings & Loan Assoc 3.85 5.90 989 0.00 45,085
64 Carver Bancorp, Inc. New York N.Y. Savings & Loan HC 3.83 2.48 21,984 -0.07 755,724
65 Abbeville Building and Loan, A State Chartered Savings Bank Abbeville La. Savings Bank 3.82 2.48 1,585 0.00 60,167
Hodge Bank & Trust Company Hodge La. Hodge Bancshares, Inc. Commercial Bank 3.82 4.37 1,856 0.08 84,428
67 Laona State Bank Laona Wis. Northern Wisconsin Bank Holding Company, Inc. Commercial Bank 3.78 4.09 4,892 0.01 257,596
68 Enterprise Bank Allison Park Pa. Enterprise Financial Services Group, Inc. Commercial Bank 3.77 3.14 10,681 0.16 416,401
69 Home National Bank Racine Ohio Commercial Bank 3.73 4.76 1,739 0.20 81,874
Kingstree Federal Savings and Loan Association Kingstree S.C. Kingstree Bancshares, M.H.C. Savings & Loan Assoc 3.73 5.14 908 0.00 36,824
71 Bank of Guam Hagatna Guam BankGuam Holding Company Commercial Bank 3.69 4.52 49,613 0.31 2,539,847
Mercer County State Bank Sandy Lake Pa. Mercer County State Bancorp, Inc. Commercial Bank 3.69 4.25 12,690 0.01 550,986
73 The First National Bank of Carmi Carmi Ill. Southern Illinois Bancorp, Inc. Commercial Bank 3.66 2.11 14,522 0.00 604,659
74 The Harbor Bank of Maryland Baltimore Md. Harbor Bankshares Corporation Commercial Bank 3.62 2.86 7,133 0.04 370,677
75 Sterling Federal Bank, Federal Savings Bank Sterling Ill. Savings & Loan Assoc 3.61 4.06 9,815 -0.01 464,238
76 Angelina Savings Bank, SSB Lufkin Tex. Savings Bank 3.60 2.26 1,731 0.01 79,030
77 SSB Bank Pittsburgh Pa. SSB Bancorp, MHC Savings Bank 3.55 4.36 7,155 0.16 246,585
78 Tampa State Bank Tampa Kan. Tampa State Bankshares, Inc. Commercial Bank 3.54 0.23 1,192 -0.03 66,999
79 Main Street Bank Corp. Wheeling W.Va. Main Street Financial Services Corp. Commercial Bank 3.53 2.58 14,257 0.27 604,568
80 Maspeth Federal Savings and Loan Association Maspeth N.Y. Savings & Loan Assoc 3.51 2.44 64,696 0.00 2,158,142
81 First Federal Savings Bank of Washington Washington Ind. Savings Bank 3.50 2.69 1,866 0.00 73,578
Tejas Bank Monahans Tex. Sandhills Bancshares, Inc. Commercial Bank 3.50 0.21 3,928 0.20 210,859
83 Peoples Bank & Trust Company of Hazard Hazard Ky. Hazard Bancorp Commercial Bank 3.48 8.90 6,781 0.28 286,128
84 Eastern Savings Bank Federal Savings Bank Hunt Valley Md. Savings & Loan Assoc 3.46 4.28 7,212 -0.01 326,035
85 The Bank of Commerce and Trust Company Wellington Kan. Tri-County Financial Corporation Commercial Bank 3.45 3.02 1,701 -0.01 96,119
86 Elderton State Bank Elderton Pa. Keystrong Financial, Inc. Commercial Bank 3.44 3.73 9,780 0.10 337,717
OFG Bancorp San Juan P.R. Bank Holding Company 3.44 3.09 231,962 0.68 10,058,179
Western Bank of Clovis Clovis N.M. Western Bancshares of Clovis, Inc. Commercial Bank 3.44 4.02 1,755 0.00 64,486
89 Security State Bank Iron River Wis. Security Bank Shares, Inc. Commercial Bank 3.42 3.80 2,354 1.13 123,586
90 The State Bank of Toledo Toledo Iowa Tama County Abstract Company Commercial Bank 3.37 3.96 3,152 -0.01 134,393
91 ACB Bank Cherokee Okla. Alfalfa County Bancshares, Inc. Commercial Bank 3.36 5.59 2,974 1.18 120,848
Gateway First Bank Jenks Okla. Gateway First Bancorp, Inc Commercial Bank 3.36 1.87 44,988 -0.01 1,949,186
KANZA Bank Kingman Kan. KANZA Financial Corporation Commercial Bank 3.36 0.05 6,096 -0.49 278,627
The Farmers and Merchants Bank Caldwell Ohio FarmMerc, Inc. Commercial Bank 3.36 2.51 2,442 0.81 121,309
95 The National Bank of Andrews Andrews Tex. Andrews Bancshares, Inc. Commercial Bank 3.35 3.28 5,283 -0.01 274,822
96 American Metro Bank Chicago Ill. American Metro Bancorp, Inc. Commercial Bank 3.31 5.73 2,086 -0.03 85,456
97 SpiritBank Tulsa Okla. Spirit BankCorp, Inc. Commercial Bank 3.28 1.46 21,319 -0.02 723,327
98 First Bank & Trust Company Duncan Okla. Commercial Bank 3.27 2.78 20,910 -0.01 813,958
99 The First State Bank of Healy Healy Kan. Commercial Bank 3.26 4.07 1,548 -0.11 85,754
100 GNB Bank Grundy Center Iowa GNB Bancorporation Commercial Bank 3.25 2.43 13,538 -0.01 622,427
101 Farmers-Merchants Bank & Trust Company Breaux Bridge La. Commercial Bank 3.24 3.96 7,807 0.01 464,053
Prime Alliance Bank Woods Cross Utah Commercial Bank 3.24 3.93 16,656 0.47 609,119
103 Citizens Savings Bank and Trust Company Nashville Tenn. CSB&T Bancorp, Inc. Commercial Bank 3.23 3.30 3,929 0.22 139,972
Home Loan Investment Bank, F.S.B. Warwick R.I. Prospect Financial Corporation Savings & Loan Assoc 3.23 4.22 9,524 0.39 347,557
105 Foresight Bank Plainview Minn. Plainview Bankshares, Inc. Commercial Bank 3.22 3.56 7,838 0.02 325,807
106 Raritan State Bank Raritan Ill. Raritan State Bancorp, Inc. Commercial Bank 3.18 2.33 4,766 0.03 234,557
107 West Plains Bank Ainsworth Neb. Commercial Investment Co., Inc. Commercial Bank 3.15 3.26 1,994 0.00 121,488
108 Peoples State Bank of Velva Velva N.D. Beall Bancshares Inc. Commercial Bank 3.13 3.55 3,116 -0.04 143,418
109 Farmers State Bank Mountain City Tenn. Farmers State Bancshares, Inc. Commercial Bank 3.12 2.78 3,154 0.02 195,948
110 Powell State Bank Powell Tex. Commercial Bank 3.10 3.84 606 -0.34 37,139
111 Interstate Bank Perryton Tex. ISB Holdings, Inc. Commercial Bank 3.09 4.61 4,289 0.00 244,927
112 Citizens Independent Bank Saint Louis Park Minn. Bakken Securities, Inc. Commercial Bank 3.07 3.22 6,010 -0.19 354,515
113 The Home Savings and Loan Company of Kenton Kenton Ohio Commercial Bank 3.05 2.68 3,991 0.00 175,700
114 Champlain National Bank Willsboro N.Y. Champlain Bank Corporation Commercial Bank 3.04 2.12 9,082 0.04 482,418
115 Wray State Bank Wray Colo. HOTC Investment Co. Commercial Bank 3.00 3.72 4,455 0.00 195,268
116 First State Bank Tahlequah Okla. Maxlou Bancshares, Inc. Commercial Bank 2.99 5.78 1,106 0.00 69,075
117 Bank of Ontario Ontario Wis. Ontario Bancorporation, Inc. Commercial Bank 2.98 4.97 1,921 -0.02 73,302
Cattaraugus County Bank Little Valley N.Y. C.C.Bancorp, Inc. Commercial Bank 2.98 2.28 6,177 0.45 340,581
First Exchange Bank White Hall W.Va. Heritage Bancshares, Inc. Commercial Bank 2.98 3.20 7,799 0.48 320,385
120 The Bank of Landisburg Landisburg Pa. Commercial Bank 2.97 3.84 7,654 0.00 369,584
121 Washington Savings Bank Effingham Ill. Washington Savings MHC Savings Bank 2.96 3.37 9,756 -0.01 579,093
122 BankVista Sartell Minn. ABDO Investments, Inc. Commercial Bank 2.94 1.06 11,486 0.09 465,826
The First National Bank and Trust Company of Okmulgee Okmulgee Okla. First Okmulgee Corporation Commercial Bank 2.94 3.62 4,909 0.00 283,435
124 Eastbank, National Association New York N.Y. Evergreen Holdings, LLC Commercial Bank 2.93 0.00 2,699 0.00 148,714
125 Elysian Bank Elysian Minn. Elysian, Inc. Commercial Bank 2.92 3.12 1,220 0.42 66,102
126 Oxford Bank Oxford Mich. Oxford Bank Corporation Commercial Bank 2.90 1.36 11,911 0.00 784,964
127 The Farmers State Bank Westmoreland Kan. Commercial Bank 2.89 3.30 3,738 0.00 227,707
128 Citizens Community Bank Mascoutah Ill. Citizens Bancorporation, Inc. Commercial Bank 2.88 2.99 7,068 0.00 469,193
First Neighbor Bank, National Association Toledo Ill. First Neighborhood Bancshares, Inc. Commercial Bank 2.88 4.48 11,201 0.92 511,565
Generations Bank Exeter Neb. Glaass Financial, LLC Commercial Bank 2.88 3.35 853 0.00 46,178
Moody National Bank Galveston Tex. Moody Bancshares, Inc. Commercial Bank 2.88 4.24 29,194 -0.06 1,656,711
132 Beauregard Federal Savings Bank DeRidder La. Beauregard Bancshares, Inc. Savings & Loan Assoc 2.87 1.06 1,327 -0.04 76,456
133 Bank of Grandin Grandin Mo. Commercial Bank 2.86 3.29 2,983 0.12 198,836
134 State Savings Bank Rake Iowa Rake Bancorporation Commercial Bank 2.84 4.25 1,469 0.01 76,996
Tri-County Trust Company Glasgow Mo. Bancshares of Glasgow, Inc. Commercial Bank 2.84 3.31 1,147 -0.03 59,492
136 Crossroads Bank Yoakum Tex. First State Bancshares of Yoakum, Inc. Commercial Bank 2.83 0.59 4,637 0.08 315,357
First Federal Savings Bank Rochester Ind. American Midwest Financial Corporation Savings & Loan Assoc 2.83 4.20 12,928 0.05 555,134
138 Bank of Dickson Dickson Tenn. Dickson Financial Corporation Commercial Bank 2.82 3.05 4,688 0.00 295,971
Millennium Bank Des Plaines Ill. Millennium Bancorp, Inc. Commercial Bank 2.82 1.44 5,877 -0.01 327,423
140 Community Bank Winslow Ill. Stateline Community Bancshares, Inc. Commercial Bank 2.81 2.40 4,718 -0.04 252,400
The Bank of Romney Romney W.Va. Romney Bankshares, Inc. Commercial Bank 2.81 1.57 7,571 0.09 372,123
142 First Federal Savings and Loan Association Morehead Ky. Savings & Loan Assoc 2.79 4.10 812 0.00 35,512
Union Bank Grand Rapids Mich. Union Financial Corporation Commercial Bank 2.79 4.47 5,785 0.48 332,353
144 Industrial and Commercial Bank of China (USA), National Association New York N.Y. Ministry of Finance People's Republic of China Commercial Bank 2.78 2.73 74,159 0.00 2,954,042
Neighborhood National Bank El Cajon Calif. Neighborhood Bancorp Commercial Bank 2.78 3.73 2,018 0.00 119,322
Taylorsville Savings Bank, SSB Taylorsville N.C. Savings Bank 2.78 3.98 2,513 0.01 140,101
147 Beneficial State Bank Oakland Calif. Beneficial State Foundation Commercial Bank 2.77 2.33 29,836 0.74 1,636,315
Ciera Bank Graham Tex. First Graham Bancorp, Inc. Commercial Bank 2.77 1.27 16,563 -0.01 854,724
MCNB Bank and Trust Co. Welch W.Va. MCNB Banks, Inc. Commercial Bank 2.77 3.51 7,069 0.25 355,012
150 Patriots Bank Garnett Kan. Garnett Bancshares, Inc. Commercial Bank 2.76 3.97 4,240 0.00 187,601
Plus International Bank Miami Fla. Commercial Bank 2.76 7.05 1,135 9.02 68,214
152 Conway Bank Conway Springs Kan. Norcon Financial Corp. Commercial Bank 2.75 4.47 1,747 -0.15 99,186
153 Putnam County Bank Hurricane W.Va. Putnam Bancshares, Inc. Commercial Bank 2.74 3.49 9,810 -0.09 663,816
154 Bank of Abbeville & Trust Company Abbeville La. BOA Financial Corporation Commercial Bank 2.73 2.89 3,004 -0.03 202,142
Huron State Bank Rogers City Mich. Huron National Bancorp, Inc. Commercial Bank 2.73 3.37 1,203 0.14 82,919
156 Millennium Bank Ooltewah Tenn. PBD Holdings, LLC Commercial Bank 2.72 5.69 9,816 -0.03 519,237
The First National Bank of Le Center Lonsdale Minn. Traxshares, Inc. Commercial Bank 2.72 4.08 2,383 0.00 134,100
Wayne County Bank Waynesboro Tenn. Wayne County Bancshares, Inc. Commercial Bank 2.72 3.38 6,962 -0.23 404,590
159 Quontic Bank New York N.Y. Quontic Bank Acquisition Corp. Savings & Loan Assoc 2.69 0.88 12,784 0.01 793,429
The Pioneer Savings Bank Cleveland Ohio Commercial Bank 2.69 3.33 629 -0.12 41,454
161 International Bank of Chicago Chicago Ill. IBC Bancorp, Inc. Commercial Bank 2.66 3.67 18,503 0.00 881,534
State Bank of Fairmont Fairmont Minn. Web, Inc. Commercial Bank 2.66 4.29 2,646 -0.09 128,982
Unity Bank Augusta Wis. Kimberly Leasing Corporation Commercial Bank 2.66 2.41 12,496 -0.03 591,545
164 United Valley Bank Cavalier N.D. First Holding Company of Cavalier, Inc. Commercial Bank 2.65 2.98 10,783 0.00 576,964
165 Valley Bank of Ronan Ronan Mont. Valley Holding Company Commercial Bank 2.62 3.83 2,680 0.00 177,051
166 Central Federal Savings and Loan Association Cicero Ill. Savings & Loan Assoc 2.61 2.85 2,969 -0.01 192,470
167 Peoples Bank Chatham La. Commercial Bank 2.60 1.77 1,734 -0.03 83,310
168 Hatboro Federal Savings Hatboro Pa. Savings & Loan Assoc 2.59 3.03 9,074 -0.01 565,363
169 Midstates Bank, National Association Council Bluffs Iowa Midstates Bancshares, Inc. Commercial Bank 2.57 3.64 10,135 0.00 639,170
170 Farmers & Merchants Bank Lakeland Ga. FMB Bancshares, Inc. Commercial Bank 2.56 2.62 11,152 0.92 642,591
Merchants & Farmers Bank of Greene County Eutaw Ala. Merchants and Farmers Bancshares, Inc. Commercial Bank 2.56 2.31 1,386 -0.07 94,360
172 Marine Bank Springfield Ill. Marine Bancorp, Inc. Commercial Bank 2.55 1.15 12,266 0.00 713,971
173 Bank of Clarkson Clarkson Ky. First Breckinridge Bancshares, Inc. Commercial Bank 2.54 2.79 2,051 -0.01 148,572
174 State Bank of India (California) Los Angeles Calif. India Commercial Bank 2.53 3.11 22,653 0.00 1,074,737
175 Amboy Bancorporation Old Bridge N.J. Bank Holding Company 2.52 4.61 40,289 -0.06 2,787,742
Community State Bank of Rock Falls Rock Falls Ill. Community Illinois Corporation Commercial Bank 2.52 3.58 4,865 -0.01 312,755
177 United National Bank Cairo Ga. Commercial Bank 2.50 2.80 4,975 -0.01 285,432
178 FreedomBank Elkader Iowa Freedombank Shares, Inc. Commercial Bank 2.49 3.59 7,347 -0.01 439,512
Miners Exchange Bank Coeburn Va. Commercial Bank 2.49 2.03 1,249 0.14 95,809
Northeast Bank Portland Maine Commercial Bank 2.49 3.99 36,436 -0.01 1,742,943
Rushford State Bank (Incorporated) Rushford Minn. Rushford State Bancorp, Inc. Commercial Bank 2.49 2.87 1,245 0.01 91,091
Sterling Bancorp, Inc. (Southfield, MI) Southfield Mich. Savings & Loan HC 2.49 3.94 42,140 0.47 2,450,476
183 Citizens Bank & Trust Company Covington La. Commercial Bank 2.48 0.29 3,293 0.00 172,032
184 Farmers and Merchants State Bank of Pierz Pierz Minn. Farmers & Merchants Agency, Inc. Commercial Bank 2.47 3.17 4,857 0.00 311,207
Reliance Savings Bank Altoona Pa. Reliance Bancorp, MHC Savings Bank 2.47 2.94 10,040 0.03 638,127
The Farmers Bank Carnegie Okla. Commercial Bank 2.47 5.39 1,575 -0.15 73,454
187 BankIowa Cedar Rapids Iowa Fidelity Ban Corporation Commercial Bank 2.46 2.59 12,989 0.10 769,747
First Security Bank Union Star Mo. First American Bancshares, Inc. Commercial Bank 2.46 0.93 855 -0.01 51,635
189 National Exchange Bank and Trust Fond du Lac Wis. NEB Corporation Commercial Bank 2.45 2.08 36,521 -0.05 2,593,020
190 Cornerstone Bank Fargo N.D. Cornerstone Holding Company, Inc. Commercial Bank 2.44 3.36 20,933 -0.03 1,327,208
FBT Bank & Mortgage Fordyce Ark. FBT Bancshares, Inc. Commercial Bank 2.44 1.52 2,888 -0.01 202,376
192 Bank of Dawson Dawson Ga. Dawson Bancshares, Inc. Commercial Bank 2.41 1.81 1,850 0.28 142,530
The First National Bank of Lindsay Lindsay Okla. First Lindsay Corporation Commercial Bank 2.41 2.69 1,630 0.00 88,489
194 Dakota Western Bank Bowman N.D. Dakota Western Bankshares, Inc. Commercial Bank 2.40 1.28 4,989 0.14 323,499
First State Bank Irvington Ky. First Breckinridge Bancshares, Inc. Commercial Bank 2.40 2.77 3,809 0.00 261,493
Priority Bank Fayetteville Ark. Priority One Holding Company Savings & Loan Assoc 2.40 0.87 1,711 -0.04 88,778
197 The Bank of New Glarus New Glarus Wis. Bancorp of New Glarus, Inc. Commercial Bank 2.39 2.39 6,354 0.00 408,223
198 Metropolitan Capital Bank & Trust Chicago Ill. Metropolitan Capital Bancorp, Inc. Commercial Bank 2.38 2.57 3,481 0.02 233,289
Patriot Bank, National Association Stamford Conn. Patriot National Bancorp, Inc. Commercial Bank 2.38 4.10 20,758 0.08 1,058,743
The Savings Bank of Danbury Danbury Conn. SBD Bancorp, Inc. Savings Bank 2.38 2.96 25,607 -0.07 1,419,014

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 Dec. 16, 2022.

© 2022 American Banker

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