Banks and Thrifts with the Highest Nonperforming Loan Ratios

February 02, 2011, 3:38 p.m. EST 1 Min Read

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Banks and Thrifts with the Highest Nonperforming Loan RatiosOn Sept. 30, 2010. Dollars in thousands Published February 2, 2011
Rank		Holding company	Institution type	Ratio*	Year earlier	Nonperformers	Net chargeoffs**	Assets
1	Eastern Savings Bank FSB Hunt Valley, Md.		thrift	50.69%	50.22%	$262,417	5.99%	$833,486
2	Wilton Bank Conn.		bank	45.86	36.51	26,038	6.21	85,402
3	San Luis Trust Bank FSB San Luis Obispo, Calif.		thrift	43.83	17.23	95,552	4.77	297,407
4	Blue Ridge Savings Bank Inc. Asheville, N.C.		savings bank	39.07	7.27	47,177	8.76	182,792
5	First National Bank of Florida Milton		bank	36.58	17.98	75,595	6.12	321,454
6	Bank of Commerce Wood Dale, Ill.	Bancshares Holding Corp.	bank	36.05	24.05	51,440	3.37	168,693
7	Enterprise Banking Co. McDonough, Ga.	Enterprise Banking Co. Inc.	bank	35.70	11.24	25,712	19.99	100,916
8	Builders Financial Corp. Chicago		BHC	35.55	33.83	68,908	9.18	339,536
9	CenTrust Bank Northbrook, Ill.	CenTrust Financial Inc.	bank	35.36	23.83	30,362	0.00	105,299
10	First Security Bank of Nevada Las Vegas		bank	35.04	22.03	27,548	-0.01	105,394
11	OptimumBank Fort Lauderdale, Fla.	OptimumBank Holdings Inc.	bank	34.38	29.36	42,695	3.98	202,549
12	Liberty Federal Savings Bank Enid, Okla.		thrift	31.20	13.40	35,115	-0.10	147,602
13	Capmark Bank Midvale, Utah	KKR Millennium Fund LP	bank	29.99	14.13	1,772,787	7.74	9,005,412
14	Delta Bank Manteca, Calif.	Delta National Bancorp	bank	28.83	19.92	16,822	2.07	110,333
15	North Georgia Bank Watkinsville	North Georgia Bancorp Inc.	bank	28.63	23.72	32,201	2.38	166,332
16	Providence Bank Alpharetta, Ga.		bank	28.31	6.38	24,345	3.52	124,003
17	First Guaranty Bank and Trust Co. of Jacksonville Fla.		bank	28.13	13.62	91,754	4.11	434,147
18	Community Federal Savings Bank Woodhaven, N.Y.	Community FSB Holding Co.	thrift	28.01	6.99	9,238	0.00	59,263
19	First Choice Community Bank Dallas, Ga.	FMCB Holdings Inc.	bank	27.99	6.76	77,971	1.76	342,106
20	Henry County Bancshares Inc. Stockbridge, Ga.		BHC	27.92	19.03	113,550	0.16	563,557
21	Cortez Community Bank Brooksville, Fla.		bank	27.64	19.53	14,788	10.14	77,530
22	Security Bank North Lauderdale, Fla.	Faro Bancorp Inc.	bank	27.54	26.59	27,632	14.61	140,915
23	Legacy Bank Milwaukee	Legacy Bancorp Inc.	bank	27.46	13.13	44,430	1.56	205,395
24	WestSide Bank Hiram, Ga.		bank	27.40	29.95	27,690	0.86	148,009
25	Farmers National Bank of Cynthiana Ky.	Farmers National Bancorp of Cynthiana Inc.	bank	27.15	3.55	18,515	1.62	121,010
	Home Federal Bank of Hollywood Hallandale Beach, Fla.	Home Bancgroup Inc.	thrift	27.15	15.95	16,347	0.00	80,696
27	Security Exchange Bank Marietta, Ga.	SEB Bancorp Inc.	bank	27.14	21.44	24,372	5.04	178,086
28	FirsTier Bancorp Broomfield, Colo.		BHC	27.05	7.44	162,385	3.01	781,922
29	North Texas Bancshares Inc. Dallas		BHC	26.80	0.83	151,034	9.08	922,418
30	Pan American Bank Los Angeles		bank	25.98	3.79	9,501	0.00	43,119
31	Gulf Coast Community Bank Pensacola, Fla.		bank	25.87	15.32	49,590	6.45	253,739
32	Montgomery Bank and Trust Ailey, Ga.	Montgomery County Bankshares Inc.	bank	25.63	11.98	34,940	1.08	219,380
33	Habersham Bancorp Cornelia, Ga.		BHC	25.58	17.98	61,200	6.03	396,284
34	FirsTier Bank Kimball, Neb.	FirsTier II Bancorp	bank	25.44	4.75	53,599	1.67	288,591
35	First East Side Savings Bank Sunrise, Fla.	Raddatz Family Ltd. Partnership	thrift	25.09	26.92	12,688	0.21	88,459
36	Mountain National Bancshares Inc. Sevierville, Tenn.		BHC	24.86	10.95	97,550	0.40	584,085
37	American Trust Bank Roswell, Ga.	American Trust Bancorp	bank	24.68	14.43	42,503	0.75	249,285
38	Bank of the Eastern Shore Cambridge, Md.		bank	24.47	6.45	42,133	1.39	213,158
39	McIntosh Bancshares Inc. Jackson, Ga.		BHC	24.04	12.49	58,371	4.07	348,849
40	Mountain Heritage Bank Clayton, Ga.		bank	24.02	13.56	15,473	6.71	115,858
41	LandMark Bank of Florida Sarasota	LandMark Financial Holding Co.	bank	23.96	6.78	60,967	0.15	299,279
	Western Springs National Bank and Trust Ill.	Western Springs Bancorp Inc.	bank	23.96	8.00	39,071	0.57	196,400
43	Citizens State Bank Kingsland, Ga.	South Banking Co.	bank	23.68	1.77	12,921	4.62	76,642
44	First Bankshares Inc. Winter Park, Fla.		BHC	23.57	24.01	66,602	2.16	398,289
45	CreekSide Bank Woodstock, Ga.		bank	23.45	12.20	16,177	6.25	109,116
	TransCapital Bank Sunrise, Fla.		bank	23.45	15.23	45,410	1.20	251,663
47	All American Bank Des Plaines, Ill.		bank	23.35	14.74	6,653	5.09	33,972
48	First Federal Bank Harrison, Ark.	First Federal Bancshares of Arkansas Inc.	thrift	23.30	15.10	99,621	0.21	632,141
49	Bank of Coral Gables Coral Gables, Fla.		bank	22.84	24.00	24,524	-0.34	149,625
50	Putnam State Bank Palatka, Fla.	Neighborhood Bank Corp.	bank	22.82	15.88	28,097	3.65	185,167
51	First Commercial Bank of Tampa Bay Tampa, Fla.	FCB Financial Inc.	bank	22.76	16.63	18,482	11.76	110,585
52	American Metro Bank Chicago	American Metro Bancorp Inc.	bank	22.70	12.47	15,904	2.50	99,461
53	Atlantic Bank and Trust Charleston, S.C.	Atlantic Banc Holdings Inc.	thrift	22.60	2.83	38,628	-0.04	268,271
54	Rosemount National Bank Minn.	Rosemount Financial Services Inc.	bank	22.57	13.63	4,460	2.00	35,985
55	Carolina Federal Savings Bank Charleston, S.C.		thrift	22.50	8.42	11,741	2.30	60,170
56	Community Bank of Oak Park River Forest Oak Park, Ill.	Oak Park River Forest Bankshares Inc.	bank	21.86	6.47	63,324	4.14	363,857
57	Coastal Bank Cocoa Beach, Fla.	Coastal Bancorp. Inc.	thrift	21.80	15.93	22,056	0.50	142,883
58	PSB Group Inc. Madison Heights, Mich.		BHC	21.71	14.14	72,556	3.26	429,788
59	Edens Bank Wilmette, Ill.	NC Bancorp Inc.	bank	21.47	4.28	46,538	2.13	258,571
60	Security State Bank Iron River, Wis.	Security Bank Shares Inc.	bank	21.07	19.69	13,865	0.77	95,089
61	OneWest Bank FSB Pasadena, Calif.	IMB Management Holdings LP	thrift	20.93	26.35	3,217,074	0.00	26,900,072
62	Brand Group Holdings Inc. Lawrenceville, Ga.		BHC	20.84	3.92	176,265	0.43	1,197,812
63	FNB United Corp. Asheboro, N.C.		BHC	20.78	8.93	303,338	15.63	2,010,240
64	Doral Financial Corp. San Juan, Puerto Rico		BHC	20.77	NA	1,238,129	NA	9,076,102
	Douglas County Bank Douglasville, Ga.	Thornton Holding Co. Inc.	bank	20.77	13.01	48,937	9.42	335,877
66	Great Florida Bank Miami Lakes		bank	20.69	18.05	228,977	1.70	1,648,777
67	Nevada Commerce Bank Las Vegas	NCB Financial	bank	20.47	3.14	21,663	4.98	166,699
68	Valley Community Bank St. Charles, Ill.	Valley Community Bancorp Inc.	bank	20.35	16.92	19,339	1.10	135,128
69	Fidelity Bank of Florida Merritt Island		bank	20.30	15.50	64,000	8.36	395,776
70	First Olathe Bancshares Inc. Kan.		BHC	20.28	11.29	185,820	3.52	1,240,306
71	Plantation Federal Bank Pawleys Island, S.C.	Plantation Financial Corp.	thrift	20.24	5.80	98,267	1.23	666,945
72	MBank Gresham, Ore.	Merchants Bancorp	bank	20.00	20.95	29,902	0.73	213,284
73	Sunshine State Community Bank Port Orange, Fla.	Sunshine Bankshares Inc.	bank	19.93	13.78	18,120	7.43	139,450
74	Citizens Bank of Effingham Springfield, Ga.	Citizens Effingham Bancshares Inc.	bank	19.88	17.75	32,274	2.04	217,543
75	PAB Bankshares Inc. Valdosta, Ga.		BHC	19.82	7.27	118,444	6.76	1,044,200
76	Bank of Asheville N.C.	Weststar Financial Services Corp.	bank	19.76	3.59	32,664	0.55	195,056
	Family Federal Savings of Illinois Cicero	GreenChoice Holding Co. Inc.	thrift	19.76	23.04	7,400	0.00	63,477
78	Benchmark Bank Gahanna, Ohio	Benchmark Bancorp Inc.	savings bank	19.72	10.87	21,933	0.26	135,025
79	Brooklyn Federal Savings Bank MHC N.Y.	BFS Bancorp MHC	thrift	19.71	5.38	77,001	0.00	485,962
	Truman Bancorp Inc. St. Louis, Mo.		BHC	19.71	11.61	63,177	0.31	412,883
81	Lydian Private Bank Palm Beach, Fla.	Lydian Holding Co.	thrift	19.61	7.50	265,588	-0.01	1,882,340
82	Hershenhorn Bancorp. Inc. Palatine, Ill.		BHC	19.49	17.46	52,461	2.87	359,093
83	Metro Phoenix Bank		bank	19.43	6.52	11,961	0.94	71,000
84	Bank of North Las Vegas		bank	19.30	12.08	10,960	0.00	90,536
85	Banks of Wisconsin Kenosha	Wisconsin Bancshares Inc.	bank	19.21	6.57	31,493	5.81	220,904
86	First Heritage Bank Snohomish, Wash.		bank	19.14	12.54	27,500	4.73	196,897
	First National Bank of Crestview Fla.	FNBC Financial Corp.	bank	19.14	22.65	13,684	1.39	133,093
88	Boundary Waters Bank Ely, Minn.	BW Bancorp	bank	18.93	5.98	18,531	2.91	135,772
89	Citizens Bank of Northern California Nevada City	Citizens Bancorp	bank	18.91	14.59	53,220	2.50	356,827
90	National Bank of Cambridge Md.	Delmarva Bancshares Inc.	bank	18.85	6.79	25,741	0.90	223,940
91	Westside Community Bank University Place, Wash.	Westside Banking Co.	bank	18.84	9.83	23,633	1.12	150,215
92	First Chicago Bancorp		BHC	18.77	17.66	154,373	3.10	1,067,268
93	Community Financial Holding Co. Inc. Duluth, Ga.		BHC	18.75	NA	56,785	0.47	501,196
94	Landmark Bank Fort Lauderdale, Fla.	Giant Holdings Inc.	bank	18.61	8.46	50,463	14.48	335,360
95	First Asian Bank Las Vegas		bank	18.35	8.48	5,417	0.23	39,006
96	SBC Inc. Countryside, Ill.		BHC	18.32	16.51	96,133	4.12	851,941
97	Security State Bank of Kenyon Minn.	Ellingson Corp.	bank	18.18	7.17	8,240	0.36	55,331
98	First National Bank of Wayne Neb.	First National Agency Inc.	bank	18.11	6.69	3,459	1.97	36,322
	Western Community Bank Orem, Utah	Community Bancorp.	bank	18.11	9.89	14,761	5.96	113,699
100	Rogers Bancshares Inc. Little Rock, Ark.		BHC	17.95	19.26	148,422	1.72	1,334,104
101	Palm Desert National Bank Calif.	Palm Desert Investments	bank	17.90	20.36	29,707	1.46	260,262
102	Central Progressive Bank Lacombe, La.	Blossman Bancshares Inc.	bank	17.81	16.22	45,817	-0.31	416,773
103	Flagstar Bank FSB Troy, Mich.	MatlinPatterson LLC	thrift	17.73	15.71	1,814,271	3.23	13,833,304
104	New Horizons Bank East Ellijay, Ga.	New Horizons Bankshares Inc.	bank	17.72	9.99	15,400	15.38	119,040
105	Hampton Roads Bankshares Inc. Norfolk, Va.		BHC	17.69	6.98	377,832	16.75	3,067,572
106	Second Federal Savings and Loan Association of Chicago		thrift	17.62	10.77	30,683	0.00	217,551
107	Southeastern Bank Darien, Ga.	Southeastern Banking Corp.	bank	17.59	5.03	44,010	5.09	422,202
108	PNA Bank Downers Grove, Ill.	Polish National Alliance of the US of NA	thrift	17.55	7.41	26,713	0.52	192,983
109	Canyon National Bank Palm Springs, Calif.	Canyon Bancorp	bank	17.49	10.13	30,415	5.82	220,677
110	Cornerstone Bank Overland Park, Kan.	Cornerstone Bancshares Inc.	bank	17.41	5.20	29,062	2.83	209,369
111	Orange County Business Bank Newport Beach, Calif.		bank	17.39	3.81	24,965	0.81	194,442
112	Pikes Peak National Bank Colorado Springs	Pikes Peak National Co.	bank	17.37	11.04	8,543	1.99	77,820
113	Security Savings Bank SSB Southport, N.C.		savings bank	17.32	8.34	48,420	5.57	388,514
114	Piedmont Community Bank Gray, Ga.	Piedmont Community Bank Group Inc.	bank	17.16	15.77	25,700	0.85	221,347
	Prime Pacific Bank NA Lynnwood, Wash.	Prime Pacific Financial Services	bank	17.16	7.76	19,757	7.07	158,530
116	Independent Bankers' Bank of Florida Lake Mary	Bankers' Bancorp. of Florida Inc.	bank	17.15	10.53	33,746	0.88	311,709
117	Northern States Financial Corp. Waukegan, Ill.		BHC	17.12	10.13	68,224	2.96	559,387
118	Centennial Bank Fountain Valley, Calif.		bank	17.11	6.59	117,531	0.00	813,476
119	Friends Bank New Smyrna Beach, Fla.		bank	17.06	3.17	19,602	9.53	158,940
120	Patriot National Bancorp Inc. Stamford, Conn.	PNBK Sponsor LLC	BHC	17.03	19.09	101,145	1.23	787,775
121	Beach Community Bancshares Inc. Fort Walton Beach, Fla.		BHC	17.01	9.50	83,758	1.49	667,845
122	Business Bank Burlington, Wash.		bank	17.00	13.10	11,514	2.13	86,843
123	Metropolitan Bank Group Inc. Chicago		BHC	16.98	8.20	370,194	3.95	2,902,522
124	Citizens Commerce National Bank Versailles, Ky.	Citizens Commerce Bancshares Inc.	bank	16.81	13.23	36,317	2.59	296,583
125	Lead Bank Garden City, Mo.	Lead Financial Group Inc.	bank	16.71	6.04	11,431	1.27	93,762
126	Bank of George Las Vegas		bank	16.66	11.95	13,660	4.76	118,321
127	American Enterprise Bank Buffalo Grove, Ill.	A. E. Bancorp Inc.	bank	16.64	11.38	42,677	3.08	383,294
128	HarVest Bank of Maryland Gaithersburg	HarVest Bancorp Inc.	bank	16.60	8.47	20,264	6.93	171,529
129	Bank of Commerce Sarasota, Fla.	Bank of Commerce Holdings Inc.	bank	16.58	12.34	38,249	4.16	320,252
130	Bartow County Bank Cartersville, Ga.	Bartow Bancshares Inc.	bank	16.48	7.92	40,631	8.37	357,068
131	Atlantic Southern Financial Group Inc. Macon, Ga.		BHC	16.45	10.85	99,992	1.78	852,797
132	AnchorBank FSB Madison, Wis.	Anchor BanCorp Wisconsin Inc.	thrift	16.42	13.10	496,512	0.31	3,808,056
	First State Bancorp. Albuquerque, N.M.		BHC	16.42	10.68	268,292	6.45	2,315,787
134	Pueblo Bank and Trust Co. Colo.	Pueblo Bancorp.	bank	16.40	16.89	36,473	8.95	346,790
135	Patriot Bank of Georgia Cumming		bank	16.38	4.80	20,117	5.86	166,272
136	Cornerstone Bank Wilson, N.C.	CB Financial Corp.	bank	16.34	6.72	17,990	19.18	168,717
	Home Loan Investment Bank FSB Warwick, R.I.	Prospect Financial Corp.	thrift	16.34	17.33	23,543	2.62	234,835
138	Oxford Bank Corp. Mich.		BHC	16.31	13.98	32,557	2.93	296,970
	Superior Bank Birmingham, Ala.	Superior Bancorp	thrift	16.31	6.69	390,953	4.92	3,162,926
140	First Capital Bank Guthrie, Okla.	FCB Holdings Inc.	bank	16.28	3.02	18,542	-0.33	120,757
141	State Central Bank Keokuk, Iowa	Logan Investment Corp.	bank	16.26	1.28	30,968	1.55	240,175
142	Community First Bank-Chicago		bank	16.22	7.48	5,935	0.32	56,901
143	Community Bank of Rockmart Ga.		bank	16.16	9.80	7,312	6.68	65,650
144	First Sound Bank Seattle		bank	16.15	14.54	20,033	17.81	154,456
145	Triumph Savings Bank SSB Dallas	Triumph Consolidated Cos. LLC	savings bank	16.09	9.93	26,762	0.07	240,346
146	Bank of Wausau Wis.	Central Wisconsin Financial Services Inc.	bank	15.94	7.70	9,753	7.76	76,323
147	Columbia Savings Bank Cincinnati	Columbia Bancorp Inc	savings bank	15.93	11.98	6,967	0.55	57,119
148	Cornerstone Community Bank St. Petersburg, Fla.	Cornerstone Bancorp Inc.	bank	15.84	6.07	36,223	8.79	306,168
149	First South Bank Spartanburg, S.C.	First South Bancorp Inc.	bank	15.82	10.14	49,402	4.67	478,704
150	First Central Savings Bank Glen Cove, N.Y.		savings bank	15.79	11.74	85,723	1.13	645,111
151	Surety Bank Deland, Fla.		bank	15.78	10.08	15,707	0.76	127,871
152	Idaho Banking Co. Boise, Idaho	Idaho Bancorp	bank	15.72	10.90	23,246	1.17	195,360
153	Monarch Community Bank Coldwater, Mich.	Monarch Community Bancorp Inc.	bank	15.70	8.01	32,856	5.35	258,734
154	Integra Bank Corp. Evansville, Ind.		BHC	15.66	8.34	228,876	6.47	2,627,145
155	Sinopac Bancorp Los Angeles	Sinopac Holdings	foreign BHC	15.65	5.59	163,924	1.31	1,631,309
156	CommunitySouth Bank and Trust Easley, S.C.	CommunitySouth Financial Corp.	bank	15.62	7.48	36,623	5.24	440,609
157	Cecil Bancorp Inc. Elkton, Md.		BHC	15.54	NA	62,906	1.75	492,677
	Central Bank Tampa, Fla.	Central Financial Holdings Inc.	bank	15.54	0.77	8,037	0.21	84,948
159	Community Central Bank Corp. Mount Clemens, Mich.		BHC	15.51	10.91	61,625	1.30	513,735
160	Washington Savings Bank FSB Bowie, Md.	WSB Holdings Inc.	thrift	15.47	13.26	36,705	-0.10	382,931
161	Independent Southern Bancshares Inc. Brownsville, Tenn.		BHC	15.46	5.28	37,184	1.32	356,733
162	Shamrock Bank of Florida Naples		bank	15.45	7.17	8,327	8.88	84,755
163	High Trust Bank Stockbridge, Ga.	High Trust Bancorp Inc.	bank	15.43	18.07	24,297	4.01	199,315
164	First City Bank of Florida Fort Walton Beach	Florida First City Banks Inc.	bank	15.39	10.78	31,394	6.31	290,165
165	One Georgia Bank Atlanta		bank	15.37	11.97	24,171	3.55	209,310
166	Capitol City Bancshares Inc. Atlanta		BHC	15.33	4.28	36,633	0.35	304,708
167	Georgia Heritage Bank Dallas		bank	15.24	9.76	6,921	0.16	84,879
168	Idaho Independent Bank Coeur D'Alene		bank	15.18	7.16	47,621	7.40	479,628
169	Dearborn Bancorp Inc. Mich.		BHC	15.11	12.46	115,590	1.16	916,731
170	Summit Bank Prescott, Ariz.	Central Financial Corp.	bank	15.07	9.33	10,031	8.75	86,988
171	First Home Bank Seminole, Fla.	First Home Bancorp Inc.	bank	15.06	12.17	11,190	10.38	92,231
	United Bank Springdale, Ark.	United Holding Co. Inc.	thrift	15.06	3.38	21,266	2.06	181,365
173	CornerstoneBank Atlanta	Cornerstone Bancshares	thrift	14.86	14.15	45,979	0.00	495,574
174	Evergreen State Bank Stoughton, Wis.	First National Bancorp. of Stoughton Inc.	bank	14.81	5.15	23,049	18.05	246,484
175	Tennessee Central Bancshares Inc. Parsons		BHC	14.76	4.71	79,914	1.35	684,558
176	Federal Trust Bank Sanford, Fla.	Hartford Financial Services Group Inc.	thrift	14.74	17.93	33,444	0.00	407,471
177	First State Bank Cranford, N.J.		bank	14.73	8.00	29,122	4.64	257,699
	Grand Bankshares Inc. West Palm Beach, Fla.		BHC	14.73	10.68	44,528	8.83	463,820
179	Jasper Banking Co. Ga.	JBC Bancshares Inc.	bank	14.69	2.98	18,233	2.96	229,133
	Village Bank St. George, Utah	Village Bancorp	bank	14.69	12.27	20,650	6.10	218,665
181	Tri State Bank of Memphis, Tenn.		bank	14.67	5.50	12,502	0.19	119,982
182	Patterson Bank Ga.	Patterson Bankshares Inc.	bank	14.62	2.06	17,036	5.48	152,688
183	Bank of Washington Lynnwood	Washington Bancorp Inc.	bank	14.61	18.77	17,956	0.58	173,470
184	Commonwealth Bankshares Inc. Norfolk, Va.		BHC	14.60	12.28	141,856	4.31	1,180,014
185	Premier Community Bank of the Emerald Coast Crestview, Fla.		bank	14.52	9.41	16,813	0.37	163,443
186	AztecAmerica Bank Berwyn, Ill.	AztecAmerica Bancorp Inc.	bank	14.50	15.14	10,678	0.45	97,090
187	Devon Bank Chicago	Devon Bancorp Inc.	bank	14.49	14.07	27,835	0.36	288,714
188	Geauga Savings Bank Newbury, Ohio	Maple Leaf Financial Inc.	savings bank	14.47	11.09	39,383	1.67	423,169
	Ocean Bankshares Inc. Miami		BHC	14.47	21.00	389,298	4.76	3,866,106
190	Signature Bank Windsor, Colo.	Signature Bank Corp.	bank	14.44	5.83	7,891	1.21	70,885
191	Eastside Commercial Bank Bellevue, Wash.		bank	14.41	11.39	5,334	0.03	53,917
192	Mountain Pacific Bank Everett, Wash.		bank	14.40	14.48	8,877	0.41	102,169
193	SunFirst Bank St. George, Utah	SunFirst Corp.	bank	14.38	11.87	21,413	10.80	224,981
194	Covenant Bank and Trust Rock Spring, Ga.		bank	14.36	15.36	11,780	1.63	108,169
195	Northpointe Bank Grand Rapids, Mich.	Northpointe Bancshares Inc.	bank	14.35	15.33	34,141	2.98	275,696
196	Georgia Trust Bank Buford	Georgia Trust Bancshares Inc.	bank	14.27	2.60	13,726	0.99	148,892
	Maple Bank Champlin, Minn.	Maple Financial Holding Co.	bank	14.27	9.00	5,844	2.11	65,511
198	First CornerStone Bank King of Prussia, Pa.		bank	14.21	6.63	21,997	1.06	207,709
199	TFC Holding Co. Alhambra, Calif.		BHC	14.20	3.14	52,112	3.19	433,593
200	Bank of Choice Holding Co. Greeley, Colo.		BHC	14.14	6.34	107,386	3.00	1,292,147

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 Jan. 18, 2011.

Source:

<small>SNL Financial</small>