Banks and Thrifts with the Highest Nonperforming Loan Ratios

November 08, 2010, 4:23 p.m. EST 1 Min Read

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Banks and Thrifts with the Highest Nonperforming Loan RatiosOn June 30, 2010. Dollars in thousands Published November 8, 2010
Rank		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Eastern Savings Bank FSB Hunt Valley, Md.	none	thrift	51.06%	49.34%	$296,109	2.95%	$894,181
2	Wilton Bank Conn.	none	bank	42.94	38.64	26,241	0.92	92,581
3	Bank of Commerce Wood Dale, Ill.	Bancshares Holding Corp.	bank	35.83	20.84	53,799	1.60	174,224
4	First National Bank of Florida Milton	none	bank	34.89	13.18	78,434	3.49	332,166
5	Builders Financial Corp. Chicago	none	BHC	33.27	28.85	71,831	2.50	417,612
6	First Security Bank of Nevada Las Vegas	none	bank	33.18	12.80	26,556	-0.78	105,579
7	CenTrust Bank Northbrook, Ill.	CenTrust Financial Inc.	bank	32.89	20.05	28,946	1.70	107,858
8	Providence Bank Alpharetta, Ga.	none	bank	31.46	7.70	28,459	0.00	118,434
9	First Guaranty Bank and Trust Co. of Jacksonville Fla.	none	bank	30.75	11.89	104,053	0.71	459,956
10	Copper Star Bank Scottsdale, Ariz.	Star Bancorp	bank	30.44	9.41	48,230	2.76	204,416
11	Security Exchange Bank Marietta, Ga.	SEB Bancorp Inc.	bank	30.40	20.57	31,570	0.23	175,314
12	OptimumBank Fort Lauderdale, Fla.	OptimumBank Holdings Inc.	bank	29.88	27.20	37,855	14.66	214,389
13	Delta Bank Manteca, Calif.	Delta National Bancorp	bank	29.30	17.69	17,957	2.88	112,133
14	Cortez Community Bank Brooksville, Fla.	none	bank	29.17	22.36	16,952	11.02	80,606
15	Security Bank North Lauderdale, Fla.	Faro Bancorp Inc.	bank	28.27	17.16	31,178	7.53	148,224
16	Gordon Bank Ga.	none	bank	28.21	31.14	4,548	11.69	29,449
17	First East Side Savings Bank Sunrise, Fla.	Raddatz Family Ltd. Partnership	thrift	27.96	19.47	14,462	1.15	93,880
18	K Capital Corp. Owings Mills, Md.	none	BHC	27.53	15.49	120,261	0.84	595,467
19	North Georgia Bank Watkinsville	North Georgia Bancorp Inc.	bank	26.94	19.80	31,040	9.24	165,558
20	Henry County Bancshares Inc. Stockbridge, Ga.	none	BHC	26.72	19.80	109,072	1.09	580,294
21	WestSide Bank Hiram, Ga.	none	bank	26.47	24.86	25,975	0.24	147,161
22	Liberty Federal Savings Bank Enid, Okla.	none	thrift	26.31	7.82	32,314	1.41	160,396
23	Enterprise Banking Co. McDonough, Ga.	Enterprise Banking Co. Inc.	bank	26.17	7.30	20,006	-0.33	104,940
24	Gulf Coast Community Bank Pensacola, Fla.	none	bank	25.76	12.31	52,573	8.28	254,117
25	Progress Bank of Florida Tampa	FA Capital LLC	bank	25.70	7.13	22,402	9.62	110,671
26	First Commercial Bank of Tampa Bay	FCB Financial Inc.	bank	25.55	16.26	21,820	1.76	122,531
27	Capmark Bank Midvale, Utah	KKR Millennium Fund LP	bank	25.47	10.79	1,641,072	12.43	9,533,221
28	American Trust Bank Roswell, Ga.	American Trust Bancorp	bank	25.09	13.74	44,781	4.56	273,625
29	All American Bank Des Plaines, Ill.	none	bank	24.98	5.31	7,152	8.22	36,364
30	FirsTier Bancorp Broomfield, Colo.	none	BHC	24.89	5.30	155,131	5.03	809,630
31	Community Financial Holding Co. Inc. Duluth, Ga.	none	BHC	24.73	NA	76,589	6.70	489,388
32	Doral GP Ltd. San Juan, Puerto Rico	none	BHC	24.48	21.10	1,411,373	3.99	9,320,973
33	Putnam State Bank Palatka, Fla.	Neighborhood Bank Corp.	bank	24.34	14.94	32,256	2.36	198,052
34	ShoreBank Corp. Chicago	none	BHC	24.29	13.20	346,702	2.68	2,376,680
35	Farmers National Bank of Cynthiana Ky.	Farmers National Bancorp of Cynthiana Inc.	bank	23.64	2.93	17,646	13.45	131,568
36	Family Federal Savings of Illinois Cicero	GreenChoice Holding Co. Inc.	thrift	23.60	25.16	9,186	0.00	56,587
37	First National Bank of Crestview Fla.	FNBC Financial Corp.	bank	22.95	18.52	16,940	21.43	137,813
38	Hershenhorn Bancorp. Inc. Palatine, Ill.	none	BHC	22.73	18.53	60,715	-0.88	363,248
39	Bank of the Eastern Shore Cambridge, Md.	none	bank	22.24	3.39	39,498	4.76	223,008
40	American Metro Bank Chicago	American Metro Bancorp Inc.	bank	22.18	11.61	16,102	0.17	101,931
41	Habersham Bancorp Cornelia, Ga.	none	BHC	22.15	16.84	55,846	2.18	409,258
42	Security State Bank Iron River, Wis.	Security Bank Shares Inc.	bank	22.07	17.01	15,280	0.45	98,893
43	Mountain National Bancshares Inc. Sevierville, Tenn.	none	BHC	22.01	9.86	87,274	0.93	602,813
44	Community Bank of Oak Park River Forest Oak Park, Ill.	Oak Park River Forest Bankshares Inc.	bank	22.00	3.68	64,123	1.86	363,696
45	Carolina Federal Savings Bank Charleston, S.C.	none	thrift	21.82	8.49	11,834	0.03	60,933
46	McIntosh Bancshares Inc. Jackson, Ga.	none	BHC	21.79	10.96	54,617	1.42	379,165
47	PSB Group Inc. Madison Heights, Mich.	none	BHC	21.63	11.11	74,465	3.35	445,552
48	Home Federal Bank of Hollywood Hallandale Beach, Fla.	Home Bancgroup Inc.	thrift	21.50	11.33	13,163	0.00	82,141
49	International Bancorp of Miami Inc. Coral Gables, Fla.	Granvalor Holding Ltd.	BHC	21.43	24.08	75,721	5.22	490,472
50	Brooklyn Federal Savings Bank MHC N.Y.	BFS Bancorp MHC	thrift	21.39	0.45	89,059	0.00	523,400
51	SunFirst Bank St. George, Utah	SunFirst Corp.	bank	21.38	8.45	32,921	2.32	222,513
52	Nevada Commerce Bank Las Vegas	NCB Financial	bank	21.32	3.43	24,099	2.94	193,527
53	First Choice Community Bank Dallas, Ga.	FMCB Holdings Inc.	bank	21.08	3.22	60,036	17.14	340,096
54	Mountain Heritage Bank Clayton, Ga.	none	bank	20.95	4.47	15,351	1.10	114,421
55	Oglethorpe Bank Brunswick, Ga.	Oglethorpe Bank Holding Co. Inc.	bank	20.92	2.83	39,269	6.20	240,478
56	Lydian Private Bank Palm Beach, Fla.	Lydian Trust Co.	thrift	20.81	6.01	295,325	-0.01	1,956,997
	PAB Bankshares Inc. Valdosta, Ga.	none	BHC	20.81	7.65	136,239	6.17	1,111,082
58	Appalachian Community Bank FSB McCaysville, Ga.	Appalachian Bancshares Inc.	thrift	20.63	7.71	11,620	1.35	89,892
59	Federal Trust Bank Sanford, Fla.	Hartford Financial Services Group Inc.	thrift	20.59	27.18	50,018	0.00	421,700
60	MBank Gresham, Ore.	Merchants Bancorp	bank	20.56	17.27	31,396	1.62	222,845
61	FCB Florida Bancorp. Inc. Orlando	none	BHC	20.52	13.29	99,675	6.80	659,522
62	Business Bank Burlington, Wash.	none	bank	20.50	9.86	15,342	3.14	94,722
63	First Arizona Savings Scottsdale	FASLA Holding Co.	thrift	20.45	14.71	35,856	0.74	272,152
64	Chestatee State Bank Dawsonville, Ga.	Chestatee Bancshares Inc.	bank	20.42	22.09	37,033	1.55	258,387
65	Central Progressive Bank Lacombe, La.	Blossman Bancshares Inc.	bank	20.36	19.45	53,098	0.87	406,315
66	Douglas County Bank Douglasville, Ga.	Thornton Holding Co. Inc.	bank	20.30	10.17	49,913	0.15	354,855
67	Valley Community Bank St. Charles, Ill.	Valley Community Bancorp Inc.	bank	20.29	16.19	20,141	2.68	141,797
68	First Sound Bank Seattle	none	bank	20.24	11.38	28,562	1.88	172,740
69	High Trust Bank Stockbridge, Ga.	High Trust Bancorp Inc.	bank	20.20	18.70	32,402	0.60	205,094
70	Western Community Bank Orem, Utah	Community Bancorp.	bank	20.15	8.70	16,847	4.73	119,049
71	CreekSide Bank Woodstock, Ga.	none	bank	20.08	11.51	14,943	1.41	112,236
72	Coastal Bank Cocoa Beach, Fla.	Coastal Bancorp. Inc.	thrift	19.97	12.66	21,298	0.21	149,349
73	FirsTier Bank Kimball, Neb.	FirsTier II Bancorp	bank	19.90	5.37	43,917	-0.02	287,030
74	Edens Bank Wilmette, Ill.	NC Bancorp Inc.	bank	19.77	3.64	43,483	1.26	265,182
75	Community Federal Savings Bank Woodhaven, N.Y.	Community FSB Holding Co.	thrift	19.69	3.25	6,824	0.00	60,261
76	Metro Phoenix Bank	none	bank	19.62	5.16	11,447	6.05	65,381
77	First South Bank Spartanburg, S.C.	First South Bancorp Inc.	bank	19.60	7.06	63,799	0.68	456,057
78	Pan American Bank Los Angeles	none	bank	19.47	3.71	6,909	0.18	43,028
79	Mountain Pacific Bank Everett, Wash.	none	bank	19.41	10.11	13,312	5.47	104,131
80	First Asian Bank Las Vegas	none	bank	19.35	10.36	5,749	5.52	39,141
81	Flagstar Bank FSB Troy, Mich.	MatlinPatterson LLC	thrift	19.10	12.62	1,729,035	2.08	13,688,836
82	Southeastern Bank Darien, Ga.	Southeastern Banking Corp.	bank	19.08	4.14	48,047	3.13	435,843
83	OneWest Bank FSB Pasadena, Calif.	IMB Management Holdings LP	thrift	18.90	24.25	2,970,693	0.00	27,898,129
84	PNA Bank Downers Grove, Ill.	Polish National Alliance of the US of NA	thrift	18.73	4.92	30,218	0.12	200,096
85	First City Bank of Florida Fort Walton Beach	Florida First City Banks Inc.	bank	18.69	11.60	39,542	-0.14	318,887
86	Orange County Business Bank Newport Beach, Calif.	none	bank	18.68	6.67	28,434	1.75	219,336
87	Great Florida Bank Miami Lakes	none	bank	18.66	12.78	210,222	2.85	1,779,911
	Legacy Bank Milwaukee	Legacy Bancorp Inc.	bank	18.66	12.48	31,132	0.35	212,096
89	Maple Bank Champlin, Minn.	Maple Financial Holding Co.	bank	18.62	6.50	7,604	0.44	63,812
90	First Bankshares Inc. Winter Park, Fla.	none	BHC	18.60	13.60	53,966	3.57	405,046
91	Rosemount National Bank Minn.	Rosemount Financial Services Inc.	bank	18.56	12.63	3,840	0.64	36,895
92	AztecAmerica Bank Berwyn, Ill.	AztecAmerica Bancorp Inc.	bank	18.55	12.95	13,929	0.44	92,553
	Western Springs National Bank and Trust Ill.	Western Springs Bancorp Inc.	bank	18.55	5.71	31,089	2.01	211,829
94	FNB United Corp. Asheboro, N.C.	none	BHC	18.49	7.99	287,185	3.44	2,022,457
95	Palm Desert National Bank Calif.	Palm Desert Investments	bank	18.46	18.31	31,096	1.09	237,455
96	Sunshine State Community Bank Port Orange, Fla.	Sunshine Bankshares Inc.	bank	18.40	13.16	17,712	1.59	152,284
97	Plantation Federal Bank Pawleys Island, S.C.	Plantation Financial Corp.	thrift	18.27	4.80	92,854	1.58	668,654
	Second Federal Savings and Loan Association of Chicago	none	thrift	18.27	10.39	32,810	0.00	217,521
99	Mid State Banks Inc. Hawkinsville, Ga.	none	BHC	18.26	11.98	45,014	0.60	316,255
100	First Federal Bank Harrison, Ark.	First Federal Bancshares of Arkansas Inc.	thrift	18.20	14.16	83,798	0.73	678,043
101	DBT Holding Co. Vidalia, Ga.	none	BHC	18.16	9.00	78,774	11.97	690,375
102	Bank of North Las Vegas	none	bank	18.12	0.91	10,607	14.89	89,439
103	San Luis Trust Bank FSB San Luis Obispo, Calif.	none	thrift	18.03	7.17	44,810	0.68	323,861
104	SBC Inc. Countryside, Ill.	none	BHC	18.00	12.78	95,955	7.37	868,809
105	Montgomery Bank and Trust Ailey, Ga.	Montgomery County Bankshares Inc.	bank	17.98	4.34	25,443	5.51	227,730
106	Peoples Community National Bank Bremen, Ga.	PCNB Bancshares Inc.	bank	17.92	7.41	7,724	2.03	76,910
107	Atlantic Southern Financial Group Inc. Macon, Ga.	none	BHC	17.84	8.09	118,690	2.27	911,989
108	First Citizens Bank of Polson Mont.	Flathead Lake Bancorp. Inc.	bank	17.82	13.36	3,488	0.12	27,460
109	Cornerstone Community Bank St. Petersburg, Fla.	Cornerstone Bancorp Inc.	bank	17.78	3.87	43,118	3.76	323,992
110	Pikes Peak National Bank Colorado Springs	Pikes Peak National Co.	bank	17.77	10.22	8,838	1.13	77,791
111	Atlantic Bank and Trust Charleston, S.C.	Atlantic Banc Holdings Inc.	thrift	17.71	1.67	31,419	0.40	270,600
112	Tifton Banking Co. Ga.	none	bank	17.67	3.13	23,308	24.53	169,682
113	Transatlantic Holding Corp. Miami	Banco Sabadell SA	foreign BHC	17.60	17.57	67,081	0.72	617,297
114	Community First Bank-Chicago	none	bank	17.58	10.51	6,657	3.03	60,517
115	Hampton Roads Bankshares Inc. Norfolk	none	BHC	17.48	4.95	398,396	6.19	2,877,111
116	Blue Ridge Savings Bank Inc. Asheville, N.C.	none	savings bank	17.47	8.86	23,389	1.35	192,389
117	Citizens Commerce National Bank Versailles, Ky.	Citizens Commerce Bancshares Inc.	bank	17.45	11.69	39,236	3.73	310,140
118	Security Savings Bank SSB Southport, N.C.	none	savings bank	17.43	5.54	51,223	1.05	441,932
119	Bartow County Bank Cartersville, Ga.	Bartow Bancshares Inc.	bank	17.39	7.80	46,241	3.06	379,911
120	Georgia Heritage Bank Dallas	none	bank	17.34	17.82	8,126	0.17	84,641
121	HomeStreet Bank Seattle	HomeStreet Inc.	savings bank	17.23	18.89	349,186	4.03	2,723,750
122	First Citizens Bank of Georgia Dawsonville	First Citizens Financial Corp.	bank	17.16	13.07	11,727	0.90	112,174
123	North Texas Bancshares Inc. Dallas	none	BHC	16.88	4.22	103,395	3.88	1,018,964
124	AnchorBank fsb Madison, Wis.	Anchor BanCorp Wisconsin Inc.	thrift	16.83	9.70	543,837	0.11	4,004,820
125	Citizens State Bank Kingsland, Ga.	South Banking Co.	bank	16.82	1.77	9,501	0.22	79,834
126	Patriot National Bancorp Inc. Stamford, Conn.	PNBK Holdings LLC	BHC	16.80	16.78	103,843	1.00	816,470
127	Fidelity Bank of Florida Merritt Island	none	bank	16.72	14.13	54,243	7.25	418,786
128	Bank of Coral Gables Fla.	none	bank	16.67	19.61	17,831	4.96	131,395
129	Rogers Bancshares Inc. Little Rock	none	BHC	16.53	20.31	143,044	0.87	1,372,896
130	First Vietnamese American Bank Westminster, Calif.	none	bank	16.51	4.61	5,870	3.26	51,877
131	Evergreen State Bank Stoughton, Wis.	First National Bancorp. of Stoughton Inc.	bank	16.48	8.58	27,989	7.40	264,630
132	Interamerican Bank FSB Miami	Voting Trust-Ferrera Fuentes Pacheco	thrift	16.44	17.02	35,784	0.01	259,091
133	Preferred Community Bank Fort Myers, Fla.	none	bank	16.40	3.12	6,784	0.93	59,821
134	Eastside Commercial Bank Bellevue, Wash.	none	bank	16.38	11.65	6,466	7.25	55,904
135	United Bank Springdale, Ark.	United Holding Co. Inc.	thrift	16.32	3.54	24,111	3.82	176,052
136	First Banking Center Inc. Burlington, Wis.	none	BHC	16.28	9.01	95,483	3.48	825,254
137	Commonwealth Bankshares Inc. Norfolk	none	BHC	16.26	7.13	156,304	0.96	1,222,145
138	Security State Bank of Kenyon Minn.	Ellingson Corp.	bank	16.25	5.81	7,677	2.15	55,473
139	Idaho Independent Bank Coeur D'Alene	none	bank	16.24	4.78	54,093	5.23	497,122
140	Central Pacific Financial Corp. Honolulu	none	BHC	16.19	6.37	436,893	4.26	4,279,343
141	First Central Savings Bank Glen Cove, N.Y.	none	savings bank	16.14	8.90	89,570	1.03	660,125
142	Surety Bank Deland, Fla.	none	bank	16.13	4.95	16,328	2.23	135,028
143	Jasper Banking Co. Ga.	JBC Bancshares Inc.	bank	16.03	4.40	22,773	0.41	248,526
144	First Suburban National Bank Maywood, Ill.	First Suburban Bancorp Corp.	bank	16.02	10.71	17,981	0.46	148,722
145	Village Bank St. George, Utah	Village Bancorp	bank	15.96	9.06	24,888	4.24	225,906
146	Sinopac Bancorp Los Angeles	Sinopac Holdings	foreign BHC	15.90	4.95	186,188	5.34	1,668,529
147	First State Bancorp. Albuquerque	none	BHC	15.88	9.41	279,803	10.85	2,627,568
148	Bank of Asheville N.C.	Weststar Financial Services Corp.	bank	15.85	1.50	27,021	29.20	213,996
	Benchmark Bank Gahanna, Ohio	Benchmark Bancorp Inc.	savings bank	15.85	12.22	18,272	0.21	148,029
150	Central Bank Tampa	Central Financial Holdings Inc.	bank	15.81	0.00	8,366	2.07	85,054
	Colombo Bank Rockville, Md.	Colombo Bancshares Inc.	thrift	15.81	5.70	17,453	-0.68	159,203
152	First Chicago Bancorp	Eggemeyer Capital LLC	BHC	15.68	15.05	132,712	8.75	1,089,956
	First National Bank of Brookfield Ill.	1st Brookfield Inc.	bank	15.68	8.99	24,259	3.75	216,367
	Pueblo Bank and Trust Co. Colo.	Pueblo Bancorp.	bank	15.68	12.53	37,081	-0.57	348,660
155	First Olathe Bancshares Inc. Olathe	none	BHC	15.66	6.12	181,116	1.35	1,532,317
156	Northern States Financial Corp. Waukegan, Ill.	none	BHC	15.64	12.08	63,042	4.47	555,981
157	Osceola Bancorp. Inc. Wis.	none	BHC	15.59	10.23	52,634	6.65	452,061
158	U.S. Century Bank Doral, Fla.	none	bank	15.57	9.27	246,432	0.18	1,825,163
159	Tennessee Central Bancshares Inc. Parsons	none	BHC	15.48	3.11	89,200	-0.72	681,430
160	Bank of George Las Vegas	none	bank	15.45	3.03	12,742	2.56	138,544
161	Idaho Banking Co. Boise	Idaho Bancorp	bank	15.44	9.48	24,282	7.03	209,460
162	Westside Community Bank University Place, Wash.	Westside Banking Co.	bank	15.33	9.48	20,081	0.25	157,029
163	Northpointe Bank Grand Rapids	Northpointe Bancshares Inc.	bank	15.32	14.52	34,567	3.72	261,387
164	Capitol City Bancshares Inc. Atlanta	none	BHC	15.31	3.22	37,167	0.05	313,153
165	American Heartland Bank and Trust Sugar Grove, Ill.	American Heartland Bancshares Inc.	bank	15.30	6.04	12,015	0.36	96,617
166	Uniti Bank Buena Park, Calif.	Uniti Financial Corp.	bank	15.26	9.31	19,938	4.11	216,882
167	FNBH Bancorp Inc. Howell, Mich.	none	BHC	15.22	15.39	37,986	4.89	304,644
168	Oxford Bank Corp. Mich.	none	BHC	15.21	11.51	31,372	3.43	305,279
169	Citizens Bank of Northern California Nevada City	Citizens Bancorp	bank	15.18	10.47	43,911	6.14	325,562
170	Shamrock Bank of Florida Naples	none	bank	15.08	5.74	8,252	2.40	78,124
171	New Horizons Bank East Ellijay, Ga.	New Horizons Bankshares Inc.	bank	15.07	9.59	14,418	1.49	123,346
172	Bank of the Rockies White Sulphur Springs, Mont.	Countricorp	bank	15.05	1.45	12,858	0.07	122,824
173	Bank of Washington Lynnwood	Washington Bancorp Inc.	bank	15.03	11.36	19,652	3.91	182,965
174	American Enterprise Bank Buffalo Grove, Ill.	A.E. Bancorp Inc.	bank	15.01	4.07	39,009	2.66	411,730
	Roxbury Bank Kan.	Roxbury Bancshares Inc.	bank	15.01	3.87	1,839	1.84	18,748
176	Monarch Community Bank Coldwater, Mich.	Monarch Community Bancorp Inc.	bank	14.99	6.59	32,563	6.43	262,859
177	Sunstate Bank Miami	none	bank	14.97	3.12	14,652	14.27	177,646
178	CornerstoneBank Atlanta	Cornerstone Bancshares	thrift	14.96	13.09	48,606	-0.01	497,681
179	BankMeridian Columbia, S.C.	none	bank	14.95	6.15	32,297	1.56	287,130
180	Devon Bank Chicago	Devon Bancorp Inc.	bank	14.93	11.08	30,570	5.95	289,643
	First National Bank of Wyoming Del.	First Wyoming Financial Corp.	bank	14.93	1.90	32,854	3.69	303,267
	Metropolitan Bank Group Inc. Chicago	none	BHC	14.93	7.65	333,373	3.55	2,921,315
183	Coconut Grove Bankshares Inc. Miami	none	BHC	14.92	7.90	57,345	6.21	655,480
184	Tennessee State Bancshares Inc. Pigeon Forge	none	BHC	14.89	5.54	80,142	0.33	797,394
185	Premier Bank Maplewood, Minn.	none	bank	14.86	10.05	67,508	6.54	605,944
186	Canyon National Bank Palm Springs, Calif.	Canyon Bancorp	bank	14.83	9.44	27,141	3.46	229,149
	First Savings Bank Northwest Renton, Wash.	First Financial Northwest Inc.	savings bank	14.83	12.91	147,052	12.66	1,296,846
188	First Commercial Bank Bloomington, Minn.	Commercial Bancshares Inc.	bank	14.80	5.22	40,718	3.06	341,602
189	Beach Community Bancshares Inc. Fort Walton Beach, Fla.	none	BHC	14.76	9.61	72,855	1.01	665,829
	Dearborn Bancorp Inc. Mich.	none	BHC	14.76	11.79	116,300	5.25	933,113
191	Centennial Bank Fountain Valley, Calif.	none	bank	14.70	2.40	102,518	0.79	811,693
	Liberty Federal Savings and Loan Association Baltimore	none	thrift	14.70	10.71	4,954	0.00	49,835
193	Home Loan Investment Bank FSB Warwick, R.I.	Prospect Financial Corp.	thrift	14.69	19.43	18,556	0.33	210,151
194	First National Bank of Coffee County Douglas, Ga.	FNC Bancorp Inc.	bank	14.66	7.23	13,125	-0.85	128,319
195	Cecil Bancorp Inc. Elkton, Md.	none	BHC	14.57	NA	61,861	1.27	505,020
196	First International Bank Plano, Texas	First International Bancorp Texas Inc.	bank	14.55	2.72	43,511	0.97	388,521
197	Sabal Palm Bank Sarasota, Fla.	none	bank	14.53	9.74	7,280	-0.20	88,335
198	Bank of Wausau Wis.	Central Wisconsin Financial Services Inc.	bank	14.51	5.31	9,091	0.01	84,352
199	Superior Bank Birmingham, Ala.	Superior Bancorp	thrift	14.49	4.95	363,480	2.23	3,356,099
200	Virginia Savings Bank FSB Front Royal	Virginia Savings Bancorp Inc.	thrift	14.48	11.45	13,910	0.19	130,080

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 and leases as percent of gross loans and leases.
**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 Oct. 21, 2010.

Source:

<small>SNL Financial</small>