Banks and Thrifts with the Highest Noninterest Income Ratios

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Banks and Thrifts with the Highest Noninterest Income Ratios

Banks and Thrifts with the Highest Noninterest Income to Revenue RatiosOn June 30, 2011. Dollars in thousands
Published December 21, 2011

Rank   Parent name Type of institution Noninterest
income
Total revenue* Ratio Year earlier
noninterest income
Assets
1 Woodlands Commercial Bank Salt Lake City commercial bank $27,837 $22,885 121.64% $60,268 $2,160,844
2 Bank of America National Trust Delaware Wilmington other bank 34 30 113.33 55 2,892
3 CIT Group Inc. New York BHC 1,401,782 1,276,614 109.80 1,353,030 48,018,164
4 Acadia Trust Portland, Maine other bank 3,043 2,982 102.05 3,118 11,899
5 Depository Trust Co. New York other bank 201,198 197,240 102.01 177,490 3,805,926
6 Morgan Stanley New York BHC 17,019,000 16,828,000 101.14 16,532,000 830,747,000
7 Talbots Classics National Bank Lincoln, R.I. commercial bank 2,231 2,220 100.50 2,593 12,122
8 Fidelity Management Trust Co. Boston commercial bank 94,606 94,466 100.15 94,809 103,465
9 Wellington Trust Co. Boston other bank 151,694 151,502 100.13 109,020 87,830
10 Wilmington Trust Co. Del. Wilmington Trust Corp. commercial bank 22,036 22,036 100.00 128,304 1,150,601
Midwest Community Bank Plainville, Kan. Plainville Bancshares Inc. commercial bank 2,024 2,024 100.00 18 74,259
KeyTrust Co. Anchorage, Alaska other bank 551 551 100.00 564 16,603
13 Unified Trust Co. Lexington, Ky. other bank 9,068 9,069 99.99 7,866 9,007
14 General Motors Trust Bank New York other bank 16,209 16,214 99.97 65,457 15,975
15 Simmons First Trust Co. Pine Bluff, Ark. other bank 2,486 2,487 99.96 2,323 1,551
16 FDS Bank Mason, Ohio FDS Thrift Holding Co. Inc. thrift 291,337 291,496 99.95 236,041 150,236
First National Trust Co. Hermitage, Pa. other bank 12,308 12,314 99.95 10,220 21,565
Northern Trust Co. of New York other bank 1,858 1,859 99.95 1,775 9,627
19 Morgan Stanley Trust Co. Wilmington, Del. other bank 16,985 16,996 99.94 13,753 34,298
20 Credit First Brook Park, Ohio commercial bank 18,984 19,003 99.90 16,690 26,950
21 Wilmington Trust Baltimore commercial bank 18,696 18,719 99.88 0 494,885
State Street Bank and Trust Co. New York other bank 9,605 9,617 99.88 11,896 25,676
23 Vanguard National Trust Co. Malvern, Pa. other bank 33,712 33,756 99.87 30,396 64,918
Goldman Sachs Trust Co. New York other bank 16,333 16,355 99.87 12,277 33,590
25 Edward Jones Trust Co. St. Louis The Jones Financial Cos. thrift 12,789 12,807 99.86 10,300 40,497
26 Cambridge Appleton Trust Boston other bank 1,330 1,332 99.85 1,168 3,341
27 UMB Bank and Trust Kansas City, Mo. other bank 1,840 1,843 99.84 2,250 3,006
28 Credit One Bank Las Vegas commercial bank 69,509 69,625 99.83 60,339 86,961
29 Invesco National Trust Co. Atlanta commercial bank 58,044 58,149 99.82 43,973 147,145
30 First Electronic Bank Sandy, Utah commercial bank 2,630 2,635 99.81 3,017 7,544
31 Associated Trust Co. Milwaukee other bank 21,056 21,098 99.80 19,903 20,669
First Financial Trust and Asset Management Co. Abilene, Texas other bank 6,417 6,430 99.80 5,342 4,943
33 Glenmede Trust Co. Philadelphia other bank 51,939 52,047 99.79 45,538 53,460
34 US Bank Trust Co. Portland, Ore. other bank 428 429 99.77 396 13,764
35 Boston Trust and Investment Management Co. commercial bank 15,066 15,102 99.76 11,483 44,063
36 Marshall & Ilsley Trust Co. Milwaukee other bank 125,759 126,069 99.75 113,614 172,005
Synovus Trust Co. Columbus, Ga. other bank 18,728 18,774 99.75 18,278 42,618
38 Arvest Trust Co. Rogers, Ark. other bank 8,117 8,140 99.72 6,987 2,787
39 Bremer Trust St. Cloud, Minn. other bank 7,512 7,534 99.71 6,833 7,473
40 ReconTrust Co. Thousand Oaks, Calif. other bank 104,639 105,000 99.66 96,274 400,039
41 American National Trust and Investment Management Co. Muncie, Ind. other bank 10,780 10,820 99.63 8,517 14,155
42 Country Club Trust Co. Kansas City, Mo. other bank 3,890 3,906 99.59 3,268 8,547
State Street Bank and Trust Co. of California Los Angeles other bank 2,433 2,443 99.59 2,423 15,173
44 Wayne Hummer Trust Co. Lake Forest, Ill. other bank 3,201 3,215 99.56 2,939 7,837
VNB Trust Charlottesville, Va. other bank 1,124 1,129 99.56 917 6,197
46 National Independent Trust Co. Ruston, La. other bank 4,337 4,358 99.52 3,233 6,788
47 Target National Bank Sioux Falls, S.D. commercial bank 162,287 163,220 99.43 190,127 111,881
48 Blackrock Institutional Trust Co. San Francisco other bank 1,488,837 1,498,882 99.33 1,170,474 15,682,743
49 New Covenant Trust Co. Jeffersonville, Ind. other bank 4,797 4,831 99.30 4,829 6,999
50 National Advisors Trust Co. FSB Overland Park, Kan. National Advisors Holdings Inc. thrift 2,886 2,909 99.21 2,253 5,310
51 National Penn Investors Trust Co. Wyomissing, Pa. other bank 7,345 7,404 99.20 7,301 11,447
52 Legg Mason Investment Counsel and Trust Co. Baltimore commercial bank 25,564 25,789 99.13 23,867 67,728
53 US Bank Trust Co. Sioux Falls, S.D. other bank 4,486 4,526 99.12 4,221 56,153
54 Deutsche Bank National Trust Co. Los Angeles other bank 45,381 45,794 99.10 36,484 167,858
55 Target Bank Salt Lake City commercial bank 6,496 6,560 99.02 1,392 43,260
56 Northwestern Mutual Wealth Management Milwaukee Northwestern Mutual Life Insurance Co. thrift 89,292 90,279 98.91 68,939 112,226
57 Wheaton College Trust Co. Ill. other bank 360 364 98.90 334 3,207
58 Old Point Trust and Financial Services Newport News, Va. other bank 1,681 1,700 98.88 1,803 4,894
59 Sumitomo Trust and Banking Co. USA Hoboken, N.J. The Sumitomo Trust and Banking Co. Ltd. commercial bank 46,650 47,181 98.87 39,323 1,433,165
60 Bessemer Trust Co. of Delaware Wilmington other bank 5,074 5,133 98.85 3,616 11,714
61 Western National Trust Co. Los Angeles other bank 3,099 3,140 98.69 2,332 14,339
62 EquiServe Trust Co. Canton, Mass. other bank 5,013 5,083 98.62 4,557 20,758
63 The Trust Co. of Virgina Richmond TCV Financial Corp. thrift 4,325 4,390 98.52 3,723 6,723
64 Franklin Resources Inc. San Mateo, Calif. BHC 3,597,534 3,654,466 98.44 2,948,869 13,038,260
Trust Co. of Toledo Holland, Ohio other bank 2,517 2,557 98.44 2,216 4,046
66 Deutsche Bank Trust Co. New York other bank 26,892 27,332 98.39 25,783 124,407
67 Everence Trust Co. Goshen, Ind. Everence Holdings Inc. thrift 2,181 2,222 98.15 1,903 4,597
68 Private Trust Co. Cleveland other bank 3,273 3,335 98.14 2,936 15,654
69 SEI Private Trust Co. Oaks, Pa. SEI Investments Co. thrift 75,412 76,893 98.07 68,651 112,468
70 HSBC Bank Nevada Las Vegas HSBC Holdings PLC commercial bank 545,817 556,595 98.06 343,259 2,072,502
71 Aurora Bank FSB Wilmington, Del. Lehman Brothers Bancorp Inc. thrift 191,132 195,200 97.92 288,216 4,510,451
ING National Trust Minneapolis other bank 1,835 1,874 97.92 1,875 6,999
73 Cedar Hill National Bank Lawrenceville, N.C. commercial bank 1,845 1,885 97.88 1,793 11,328
74 Fidelity Personal Trust Co. FSB Boston Fidelity Thrift Holding Co. Inc. thrift 22,357 22,900 97.63 16,940 100,095
75 Capital Bank and Trust Co. FSB Irvine, Calif. The Capital Group Cos. Inc. thrift 68,145 69,988 97.37 71,888 130,130
76 UBS Trust Co. Weehawken, N.J. other bank 3,507 3,605 97.28 2,007 55,904
77 Davidson Trust Co. Great Falls, Mont. Davidson Cos. thrift 2,308 2,376 97.14 2,130 5,281
78 The Philadelphia Trust Co. commercial bank 3,942 4,063 97.02 3,320 16,652
79 Country Trust Bank Bloomington, Ill. Country Life Insurance Co. thrift 14,047 14,482 97.00 11,732 28,830
80 First Financial Trust Newton, Mass. other bank 1,480 1,529 96.80 1,407 7,489
81 Independence Trust Co. Franklin, Tenn. Independence Holding Corp. thrift 1,029 1,064 96.71 886 3,574
82 Security National Trust Co. Wheeling, W.Va. other bank 1,450 1,502 96.54 1,255 4,265
InvesTrust Oklahoma City other bank 977 1,012 96.54 871 3,132
84 Legacy Trust Co. Houston other bank 4,897 5,073 96.53 4,355 15,322
85 Mitsubishi UFJ Trust and Banking Corp. USA New York Mitsubishi UFJ Financial Group Inc. commercial bank 23,504 24,413 96.28 18,238 253,790
86 Bessemer Trust Co. of California San Francisco other bank 755 785 96.18 482 6,081
87 Stifel Financial Corp. St. Louis BHC 694,650 725,468 95.75 615,430 4,513,608
88 Citicorp Trust Palm Beach, Fla. other bank 1,744 1,826 95.51 1,107 51,733
89 First Citizens Trust Co. Mason City, Iowa other bank 1,157 1,215 95.23 1,147 5,400
90 The Bessemer Group Inc. Woodbridge, N.J. BHC 180,228 191,426 94.15 144,739 2,289,476
91 The MassMutual Trust Co. Enfield, Conn. Massachusetts Mutual Life Insurance thrift 3,369 3,589 93.87 2,590 17,001
92 Citigroup Trust Delaware Wilmington other bank 864 923 93.61 2,968 52,835
93 Mizuho Trust and Banking Co. USA New York Mizuho Financial Group Inc. commercial bank 15,048 16,089 93.53 12,684 848,305
94 First Community Trust Dubuque, Iowa other bank 1,192 1,296 91.98 1,049 5,515
95 Nordstrom FSB Scottsdale, Ariz. Nordstrom Inc. thrift 106,461 115,776 91.95 96,277 231,554
96 Home Savings of America Little Falls, Minn. Home Savings Bancorp thrift 32,125 35,205 91.25 37,510 436,697
97 US Bank Trust Wilmington, Del. other bank 9,574 10,493 91.24 9,575 574,962
98 CertusBank Easley, S.C. commercial bank 105,299 115,561 91.12 0 1,837,683
99 AMG National Trust Bank Boulder, Colo. AMG National Corp. commercial bank 10,526 11,561 91.05 9,098 229,947
DSRM National Bank Albuquerque, N.M. commercial bank 285 313 91.05 277 3,471
101 Delaware Trust Co. Wilmington other bank 6,492 7,186 90.34 6,453 353,447
102 Briscoe Ranch Inc. Uvalde, Texas BHC 89,783 99,695 90.06 47,500 851,330
103 Members Trust Co. Tampa, Fla. thrift 3,117 3,483 89.49 2,906 24,681
104 Mercantil Commercebank Trust Co. Coral Gables, Fla. other bank 875 979 89.38 1,205 8,583
105 The Haverford Trust Co. Radnor, Pa. Drexel Morgan & Co. commercial bank 9,078 10,244 88.62 8,406 110,279
106 First Investors Federal Savings Bank Edison, N.J. Neptune Distributed Assets LLC thrift 1,430 1,622 88.16 1,436 11,888
107 TIAA-CREF Trust Co. FSB St. Louis TCT Holdings Inc. thrift 23,558 26,914 87.53 17,106 337,150
108 Live Oak Banking Co. Wilmington, N.C. Live Oak Bancshares Inc. commercial bank 15,851 18,449 85.92 8,069 231,908
109 TriCentury Bank Simpson, Kan. Astra Financial Corp. commercial bank 375 438 85.62 537 4,129
110 Woodforest Financial Group Inc. The Woodlands, Texas BHC 206,479 241,906 85.36 213,228 3,438,517
111 Ameri-National Corp. Overland Park, Kan. BHC 16,375 19,211 85.24 18,665 725,879
112 Gateway Business Bank Cerritos, Calif. Gateway Bancorp commercial bank 12,605 14,887 84.67 14,839 179,880
113 Securian Trust Co. St. Paul, Minn. other bank 1,461 1,727 84.60 1,344 12,446
114 Union Federal Savings Bank North Providence, R.I. First Marblehead Corp. thrift 375 445 84.27 585 73,424
115 Ally Financial Inc. Detroit BHC 3,471,000 4,151,000 83.62 4,679,000 178,889,000
First Midwest Bank Centerville, S.D. Thomson Holdings Inc. commercial bank 4,803 5,744 83.62 279 100,598
117 Woodforest National Bank Houston Woodforest Financial Group Inc. commercial bank 204,555 245,026 83.48 181,447 3,431,480
118 First Community Bancshares Inc. Houston BHC 94,664 114,140 82.94 97,128 1,256,393
119 Merchants Bank of California Carson commercial bank 6,564 7,933 82.74 3,698 86,598
120 Grand Bank Hamilton, N.J. commercial bank 26,597 32,200 82.60 15,720 374,308
121 First Federal Savings Bank of Boston First Eastern Bankshares Corp. thrift 4,392 5,364 81.88 5,384 74,728
122 Armed Forces Benefit Association Alexandria, Va. BHC 60,781 74,562 81.52 66,982 554,373
123 Cenlar FSB Ewing Township, N.J. Cenlar Capital Corp. thrift 38,024 46,666 81.48 35,636 663,503
124 Goldman Sachs Group Inc. New York BHC 16,441,000 20,187,000 81.44 18,514,000 937,192,000
125 JRMB II Inc. Lawton, Okla. BHC 40,082 49,265 81.36 0 626,275
126 Bank of New York Mellon Corp. BHC 5,993,000 7,475,000 80.17 5,254,000 304,952,000
127 Lauritzen Corp. Omaha, Neb. BHC 65,826 82,421 79.87 28,642 1,579,675
128 Capmark Bank Midvale, Utah commercial bank 173,482 217,937 79.60 56,544 6,721,798
129 University Bank Ann Arbor, Mich. University Bancorp Inc. commercial bank 7,399 9,315 79.43 5,537 101,139
130 Dickinson Financial Corp. II Kansas City, Mo. BHC 69,914 88,348 79.13 80,147 2,342,032
131 The Business Bank Minnetonka, Minn. Business Bancorp. Inc. commercial bank 8,708 11,055 78.77 11,143 126,908
132 Palm Desert National Bank Calif. Palm Desert Investments commercial bank 6,273 7,994 78.47 2,538 144,119
133 Deutsche Bank Trust Co. Delaware Wilmington Deutsche Bank AG commercial bank 10,234 13,054 78.40 10,699 451,188
134 West Town Savings Bank Cicero, Ill. savings bank 6,393 8,174 78.21 2,924 104,022
135 Homebanc Lake Mary, Fla. Homebancorp Inc. commercial bank 9,254 11,899 77.77 7,970 352,441
136 First Colorado National Bank Paonia First Colorado Financial Corp. commercial bank 3,034 3,903 77.74 1,083 47,635
137 Bank of England Ark. MHBC Investments Limited Partnership I LLLP commercial bank 12,030 15,505 77.59 11,193 217,572
138 Generations Bank Overland Park, Kan. thrift 2,439 3,149 77.45 -6 44,801
139 American Express Co. New York BHC 11,290,000 14,649,000 77.07 9,931,967 146,701,000
140 Guaranty Bank Milwaukee Guaranty Financial Corp. thrift 61,849 80,634 76.70 60,294 1,203,512
141 Berkshire Bancorp Inc New York BHC 43,401 56,621 76.65 689 890,977
142 State Street Corp. Boston BHC 3,682,896 4,851,828 75.91 3,236,428 188,984,931
143 Northern Trust Corp. Chicago BHC 1,381,935 1,840,259 75.09 1,397,703 97,398,269
144 Independence Bank East Greenwich, R.I. commercial bank 2,529 3,376 74.91 1,109 68,312
145 Winter Trust of 12/3/74 Ottawa, Kan. BHC 29,245 39,106 74.78 11,568 616,523
146 Bankers' Bank, Northeast Glastonbury, Conn. commercial bank 3,831 5,199 73.69 4,403 116,340
147 Bankers' Bank Madison, Wis. Bankers' Bancorp. Inc. commercial bank 10,766 14,636 73.56 11,536 409,539
148 Independent Bankers Financial Corp. Irving, Texas BHC 48,206 65,602 73.48 44,015 2,324,812
149 Bank 7 Oklahoma City Haines Financial Corp commercial bank 10,758 14,685 73.26 338 184,921
150 AloStar Bank of Commerce Birmingham, Ala. commercial bank 11,521 15,731 73.24 0 851,516
151 Evolve Bank and Trust West Memphis, Ark. Evolve Financial Group Inc. commercial bank 8,268 11,311 73.10 5,754 167,495
152 MetLife Inc. New York BHC 23,387,718 32,174,524 72.69 19,110,375 771,482,771
153 ITS Bank Johnston, Iowa commercial bank 121 167 72.46 106 5,422
154 Wyoming Bank and Trust Cheyenne Farmers State Bankshares Inc. commercial bank 4,616 6,385 72.29 4,254 119,604
155 Hamilton State Bank Hoschton, Ga. Hamilton State Bancshares Inc. commercial bank 17,409 24,085 72.28 237 948,134
156 First National Bank of Crestview Fla. Fnbc Financial Corp. commercial bank 3,652 5,058 72.20 347 112,847
157 Borrego Springs Bank La Mesa, Calif. American Heritage Holdings commercial bank 7,005 9,731 71.99 3,699 137,171
158 First Federal Bank FSB Tuscaloosa, Ala. Southeastern Financial Inc. thrift 6,254 8,708 71.82 6,142 193,117
159 Tri-County Financial Group Inc. Mendota, Ill. BHC 23,723 33,042 71.80 0 688,276
160 CFG Community Bank Towson, Md. Capital Funding Bancorp Inc. commercial bank 19,224 26,859 71.57 12,030 517,249
161 Nationwide Bank Columbus, Ohio Nationwide Financial Services Inc. thrift 142,594 199,572 71.45 132,415 4,039,977
162 Royal Bank Elroy, Wis. Royal Bancshares Inc. commercial bank 13,366 18,766 71.22 899 303,032
163 Proficio Bank Salt Lake City Nhb Holdings Inc. commercial bank 5,801 8,169 71.01 4,887 144,360
164 RBC USA Holdco Corp. New York BHC 1,184,026 1,671,425 70.84 0 84,883,726
165 MidCountry Bank Marion, Ill. MidCountry Financial Corp. thrift 29,181 41,276 70.70 24,683 688,166
166 The Bankers' Bank of Kentucky Inc. Frankfort Independent Community Bancorp Inc. commercial bank 2,129 3,015 70.61 2,052 80,971
167 Delta National Bank and Trust Co. New York Delta Investment Co. Cayman commercial bank 6,185 8,803 70.26 7,064 341,561
168 Embassy National Bank Lawrenceville, Ga. Embassy Bancshares Inc. commercial bank 2,589 3,702 69.94 172 56,369
169 Midwest Independent Bancshares Inc. Jefferson City, Mo. BHC 10,252 14,702 69.73 10,499 342,289
170 Deutsche Bank Trust Co. Americas New York Deutsche Bank AG commercial bank 599,000 860,000 69.65 622,000 47,446,000
171 Fullerton Federal Savings Association Baltimore thrift 112 163 68.71 53 8,932
172 Southwest Trust Co. Oklahoma City other bank 391 573 68.24 264 54,505
173 PlainsCapital Corp. Dallas BHC 190,544 279,366 68.21 173,326 5,259,809
174 CBW Bank Weir, Kan. CB Bancshares Corp commercial bank 281 414 67.87 28 7,762
175 Eaglemark Savings Bank Carson City, Nev. commercial bank 5,476 8,085 67.73 4,992 39,091
176 Merchants Bank of Indiana Lynn P/R Bancorp commercial bank 10,121 14,982 67.55 10,414 497,353
177 Brazos National Bank Clute, Texas Gulfport Bancshares of Delaware Inc. commercial bank 973 1,444 67.38 915 26,100
178 Goldwater Bank Scottsdale, Ariz. commercial bank 5,097 7,566 67.37 6,591 181,386
179 PlainsCapital Bank Lubbock, Texas Maedgen & White Ltd. commercial bank 187,296 278,360 67.29 171,761 5,239,795
180 Kenney Bank and Trust Ill. Iteam Cos. Inc. commercial bank 1,125 1,716 65.56 565 69,057
181 T Bank Dallas T Bancshares Inc. commercial bank 4,477 6,837 65.48 3,905 104,733
182 CU Bank Shares Inc. Farmers Branch, Texas BHC 1,924 2,940 65.44 56,992 761,618
183 HSBC Trust Co. Delaware Wilmington HSBC Holdings PLC commercial bank 1,186 1,819 65.20 21,150 57,391
184 Flagstar Bank FSB Troy, Mich. Flagstar Bancorp Inc. thrift 187,159 290,866 64.35 199,517 12,648,357
185 Essex Savings Bank Conn. savings bank 8,191 12,748 64.25 6,681 298,064
186 McFarland State Bank Wis. Northern Bankshares Inc. commercial bank 13,716 21,427 64.01 858 498,002
187 NewBank Flushing, N.Y. commercial bank 4,526 7,082 63.91 1,361 132,851
188 The Oakwood State Bank Texas commercial bank 76 119 63.87 84 3,929
189 First Choice Bank Lawrenceville, N.J. commercial bank 12,684 20,036 63.31 5,509 530,733
190 Chinatrust Capital Corp. Torrance, Calif. BHC 38,936 61,607 63.20 997 1,603,902
191 Taunus Corp. New York BHC 3,356,000 5,316,000 63.13 2,716,000 412,229,000
192 The Bankers Bank Oklahoma City Bankers Bancorp of Oklahoma Inc. commercial bank 5,002 7,962 62.82 4,612 205,600
193 The First National Bank of Layton Utah FNB Bancorp commercial bank 8,032 12,792 62.79 2,014 251,698
194 Pedcor Capital LLC Carmel, Ind. BHC 5,554 8,871 62.61 7,928 319,821
195 Seaway Bank and Trust Co. Chicago Seaway Bancshares Inc. commercial bank 15,907 25,603 62.13 3,939 648,695
196 Trust Co. of America Centennial, Colo. commercial bank 11,171 18,042 61.92 10,311 592,011
197 Central Bancorp Inc. Colorado Springs, Colo. BHC 3,121 5,057 61.72 2,783 100,008
198 Urban Partnership Bank Chicago commercial bank 47,361 77,217 61.33 0 1,357,216
199 MetaBank Storm Lake, Iowa Meta Financial Group Inc. thrift 27,575 45,123 61.11 56,241 1,073,442
200 Soy Capital Bank and Trust Co. Decatur, Ill. SCB Bancorp Inc. commercial bank 10,504 17,236 60.94 9,594 389,333

Note: Data based on regulatory filings for top-tier consolidated bank holding companies, commercial banks, savings banks and savings institutions. Firms with negative total revenue were excluded. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of June 30, 2011. *Total revenues, net of interest expenses and any losses on securities holdings.

Source:

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