Banks and Thrifts with the Highest Nonperforming Loan Ratios

May 13, 2011, 2:30 p.m. EDT 1 Min Read

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Banks and Thrifts with the Highest Nonperforming Loan RatiosOn Dec. 31, 2010. Dollars in thousands Published May 13, 2011
Rank		Holding company	Institution type	Nonperforming loan ratio*		Adjusted NPL ratio**		Nonperformers	Net chargeoffs†	Assets
Rank		Holding company	Institution type	Dec. 31	Year earlier	Dec. 31	Year earlier	Nonperformers	Net chargeoffs†	Assets
1	Eastern Savings Bank FSB Hunt Valley, Md.		thrift	53.36%	51.37%	53.36%	51.37%	$263,187	3.50%	$746,566
2	First Choice Community Bank Dallas, Ga.	FMCB Holdings Inc.	bank	40.58	6.64	40.58	6.64	106,254	7.98	308,453
3	Wilton Bank Conn.		bank	40.14	32.93	40.14	32.93	20,066	2.29	84,285
4	Blue Ridge Savings Bank Inc. Asheville, N.C.		savings bank	39.64	6.24	39.64	6.24	44,860	3.15	171,413
5	First Security Bank of Nevada Las Vegas		bank	37.70	20.70	37.70	20.70	29,851	1.78	106,051
6	Dickinson Financial Corp. II Kansas City, Mo.		BHC	36.22	20.07	36.17	20.06	478,259	5.10	2,554,574
7	OptimumBank Fort Lauderdale, Fla.	OptimumBank Holdings Inc.	bank	35.89	31.46	35.89	31.46	42,077	7.16	190,125
8	First National Bank of Florida Milton		bank	35.25	24.03	35.25	24.03	71,763	4.07	313,215
9	Builders Financial Corp. Chicago		BHC	34.99	29.59	34.99	29.59	63,716	3.26	307,948
10	First East Side Savings Bank Sunrise, Fla.	Raddatz Family Ltd. Partnership	thrift	32.73	27.89	32.73	27.89	15,669	0.44	83,288
11	First Guaranty Bank and Trust Co. of Jacksonville Fla.		bank	32.02	21.85	32.02	21.85	102,530	1.28	440,120
12	Cortez Community Bank Brooksville, Fla.		bank	31.49	29.98	31.49	29.98	15,892	9.46	70,865
13	Capmark Bank Midvale, Utah	KKR Millennium Fund LP	bank	30.99	16.44	30.99	16.44	1,694,798	8.24	8,819,365
14	Friends Bank New Smyrna Beach, Fla.		bank	30.54	2.49	30.54	2.49	34,540	3.06	147,186
15	CenTrust Bank Northbrook, Ill.	CenTrust Financial Inc.	bank	30.46	28.36	30.46	28.36	23,815	2.37	102,800
16	First National Bank of Crestview Fla.	FNBC Financial Corp.	bank	29.33	23.16	29.33	23.16	19,855	7.63	128,751
17	Security Bank North Lauderdale, Fla.	Faro Bancorp Inc.	bank	29.17	28.89	29.17	28.89	27,846	8.27	123,496
18	Security Exchange Bank Marietta, Ga.	SEB Bancorp Inc.	bank	28.76	19.91	28.76	19.91	25,020	2.79	169,374
19	Liberty Federal Savings Bank Enid, Okla.		thrift	28.51	14.43	28.51	14.43	29,381	0.73	133,601
20	Atlantic Bank and Trust Charleston, S.C.	Atlantic Banc Holdings Inc.	thrift	28.46	10.04	28.46	10.04	46,273	0.14	239,202
21	Brooklyn Federal Savings Bank MHC N.Y.	BFS Bancorp MHC	thrift	28.41	11.96	28.41	11.96	105,647	0.02	481,871
22	WestSide Bank Hiram, Ga.		bank	27.73	29.29	27.73	29.29	26,454	1.86	138,749
23	Delta Bank Manteca, Calif.	Delta National Bancorp	bank	27.34	28.86	27.34	28.49	15,865	1.67	108,030
24	McIntosh Bancshares Inc. Jackson, Ga.		BHC	27.16	13.44	27.16	13.44	63,326	2.58	341,896
25	First Bankshares Inc. Winter Park, Fla.		BHC	26.60	26.41	26.60	26.41	68,356	5.90	352,388
26	Henry County Bancshares Inc. Stockbridge, Ga.		BHC	26.51	28.23	26.51	28.23	100,795	0.89	563,878
27	Community Federal Savings Bank Woodhaven, N.Y.	Community FSB Holding Co.	thrift	26.31	16.61	26.31	16.61	8,098	0.00	52,176
28	TransCapital Bank Sunrise, Fla.		bank	26.06	12.72	26.06	12.72	49,287	2.68	254,737
29	LINCO Bancshares Inc. Clayton, Mo.		BHC	26.02	NA	9.27	NA	122,928	NA	802,585
30	Montgomery Bank and Trust Ailey, Ga.	PFGBI LLC	bank	25.86	19.02	25.86	19.02	34,050	2.49	229,626
31	Doral Financial Corp. San Juan, Puerto Rico		BHC	25.83	NA	21.87	NA	1,525,902	NA	8,646,354
32	American Metro Bank Chicago	American Metro Bancorp Inc.	bank	25.82	19.31	25.82	19.31	18,206	0.70	94,721
33	Home Federal Bank of Hollywood Hallandale Beach, Fla.	Home Bancgroup Inc.	thrift	25.75	20.26	25.75	20.26	14,206	0.00	83,758
34	Bank of the Eastern Shore Cambridge, Md.		bank	25.72	16.93	25.72	16.93	42,116	4.29	205,248
35	Mid City Bank Inc. Omaha	304 Corp.	bank	25.45	5.71	25.45	5.71	23,242	7.56	178,175
36	Gulf Coast Community Bank Pensacola, Fla.		bank	25.33	20.49	25.33	20.49	46,479	5.04	242,267
37	Providence Bank Alpharetta, Ga.		bank	25.31	12.86	25.31	12.86	20,894	1.07	125,256
38	FNB United Corp. Asheboro, N.C.		BHC	24.94	11.85	24.91	11.80	334,472	5.78	1,921,277
39	Business Bank Burlington, Wash.		bank	24.92	12.76	24.92	12.76	15,918	2.07	88,575
40	First Commercial Bank Bloomington, Minn.	Commercial Bancshares Inc.	bank	24.75	10.56	24.75	10.56	55,884	4.67	291,791
41	Mountain National Bancshares Inc. Sevierville, Tenn.		BHC	24.72	15.29	24.72	15.29	93,454	0.93	568,650
42	CreekSide Bank Woodstock, Ga.		bank	24.60	12.79	24.60	12.68	16,700	3.77	99,762
43	Citizens State Bank Kingsland, Ga.	South Banking Co.	bank	24.47	9.14	24.47	9.14	12,755	2.30	73,177
	FirsTier Bank Kimball, Neb.	FirsTier II Bancorp	bank	24.47	9.66	24.47	9.66	49,821	2.25	256,552
45	First Federal Bank Harrison, Ark.	First Federal Bancshares of Arkansas Inc.	thrift	24.33	16.20	24.33	16.20	99,347	0.40	599,660
46	North Texas Bancshares Inc. Dallas		BHC	23.84	5.86	23.84	5.86	127,535	3.70	879,596
47	All American Bank Des Plaines, Ill.		bank	23.44	21.81	23.44	21.81	6,738	4.40	41,598
48	Great Florida Bank Miami Lakes		bank	23.21	18.25	23.21	18.25	240,894	3.01	1,556,082
49	Putnam State Bank Palatka, Fla.	Neighborhood Bank Corp.	bank	23.12	20.09	23.12	20.09	28,655	2.78	175,544
50	Fidelity Bank of Florida Merritt Island		bank	22.94	18.58	22.94	18.58	69,323	6.09	371,283
51	High Trust Bank Stockbridge, Ga.	High Trust Bancorp Inc.	bank	22.11	18.44	22.11	17.83	33,331	1.33	196,818
52	Carolina Federal Savings Bank Charleston, S.C.		thrift	21.84	13.88	21.84	13.88	11,060	0.86	59,468
53	Flagstar Bank FSB Troy, Mich.	MatlinPatterson LLC	thrift	21.77	22.06	7.64	16.83	2,190,989	2.13	13,637,338
54	First Olathe Bancshares Inc. Kan.		BHC	21.73	13.43	21.72	13.43	178,940	3.38	1,122,240
55	Westside Community Bank University Place, Wash.	Westside Banking Co.	bank	21.67	5.35	21.67	5.35	25,470	2.02	148,294
56	Mountain Heritage Bank Clayton, Ga.		bank	21.63	18.12	21.63	18.12	13,092	1.98	108,146
57	Atlantic Southern Financial Group Inc. Macon, Ga.		BHC	21.57	16.21	21.57	16.21	124,382	2.09	772,837
58	Douglas County Bank Douglasville, Ga.	Thornton Holding Co. Inc.	bank	21.53	18.73	21.53	18.73	49,412	3.01	335,603
59	Lydian Private Bank Palm Beach, Fla.	Lydian Holding Co.	thrift	21.95	19.03	21.95	19.03	281,491	-0.01	1,759,693
60	Central Progressive Bank Lacombe, La.	Blossman Bancshares Inc.	bank	21.31	15.11	21.31	15.10	53,104	1.27	421,849
61	Patriot Bank of Georgia Cumming		bank	21.30	6.54	21.30	6.54	25,091	3.21	161,106
62	Piedmont Community Bank Gray, Ga.	Piedmont Community Bank Group Inc.	bank	21.27	18.55	21.27	18.55	31,070	1.77	219,265
63	Community Bank of Oak Park River Forest Oak Park, Ill.	Oak Park River Forest Bankshares Inc.	bank	21.24	13.41	21.24	13.41	59,249	2.86	351,880
64	Pikes Peak National Bank Colorado Springs	Pikes Peak National Co.	bank	21.15	18.74	21.15	18.74	9,827	0.67	77,200
65	Security State Bank Iron River, Wis.	Security Bank Shares Inc.	bank	21.12	16.76	20.16	16.76	13,530	0.73	92,152
66	Coastal Bank Cocoa Beach, Fla.	Coastal Bancorp. Inc.	thrift	21.01	15.89	21.01	15.89	20,208	0.77	132,914
67	BankVest Inc. Castle Rock, Colo.		BHC	20.99	4.14	20.99	4.14	137,344	2.41	919,038
68	MBank Gresham, Ore.	Merchants Bancorp	bank	20.81	13.64	20.81	13.62	30,239	1.54	209,247
69	First Heritage Bank Snohomish, Wash.		bank	20.65	10.65	20.56	10.08	27,063	5.08	179,423
70	OneWest Bank FSB Pasadena, Calif.	IMB Management Holdings LP	thrift	20.42	18.78	20.42	18.78	3,333,042	-0.13	27,153,457
71	First Commercial Bank of Tampa Bay Tampa, Fla.	FCB Financial Inc.	bank	20.36	16.34	20.36	16.34	15,025	6.21	102,612
	Home Loan Investment Bank FSB Warwick, R.I.	Prospect Financial Corp.	thrift	20.36	11.48	20.36	11.48	29,990	1.68	214,166
73	Citizens Bank of Northern California Nevada City	Citizens Bancorp	bank	20.28	12.54	20.24	12.50	53,266	3.49	327,070
74	Prime Pacific Bank Lynnwood, Wash.	Prime Pacific Financial Services	bank	20.25	13.76	20.21	13.52	22,061	4.45	150,901
75	Second Federal Savings and Loan Association of Chicago		thrift	19.86	13.03	19.86	13.03	33,374	0.00	210,076
76	Bank of Coral Gables Fla.		bank	19.91	26.66	19.91	26.66	20,414	4.04	151,841
77	Plantation Federal Bank Pawleys Island, S.C.	Plantation Financial Corp.	thrift	19.86	9.60	19.86	9.60	88,322	1.01	628,487
78	Eagle Community Bank Maple Grove, Minn.	Eagle Community Bancshares Inc.	bank	19.80	2.94	19.80	2.48	3,608	0.10	25,325
79	First International Bank Plano, Texas	First International Bancorp Texas Inc.	bank	19.72	6.65	19.33	6.54	50,510	4.51	343,408
80	Central Bancorp Inc. Garland, Texas		BHC	19.56	20.25	6.43	2.84	292,777	1.07	2,503,131
81	National Bank of Cambridge Md.	Delmarva Bancshares Inc.	bank	19.55	5.16	19.55	5.16	25,988	6.50	218,607
82	GreenChoice Bank FSB Cicero, Ill.	GreenChoice Holding Co. Inc.	thrift	19.47	23.03	19.47	23.03	8,040	0.00	61,819
83	PNA Bank Downers Grove, Ill.	Polish National Alliance of the US of NA	thrift	19.30	9.23	19.30	9.23	28,026	0.50	189,779
84	PAB Bankshares Inc. Valdosta, Ga.		BHC	19.29	11.57	19.29	11.57	109,606	3.50	953,664
85	Truman Bancorp Inc. St. Louis, Mo.		BHC	19.24	11.35	19.24	11.35	58,071	3.14	393,375
86	Surety Bank Deland, Fla.		bank	19.17	16.18	19.17	16.18	17,973	2.29	121,958
87	Pilsen State Bank Lincolnville Kan.		bank	19.14	6.21	19.14	6.21	1,627	0.00	11,798
88	Benchmark Bank Gahanna, Ohio	Benchmark Bancorp Inc.	savings bank	19.04	14.24	19.04	14.24	18,956	2.61	125,472
89	BankMeridian Columbia, S.C.		bank	18.99	10.53	18.99	10.53	35,235	3.73	255,442
90	Hometown Community Bank Braselton, Ga.	Hometown Community Bancshares Inc.	bank	18.95	14.41	18.95	14.41	13,489	1.88	135,765
91	Central Florida State Bank Belleview		bank	18.87	17.05	18.87	17.05	11,146	6.54	82,882
92	Boundary Waters Bank Ely, Minn.	BW Bancorp	bank	18.81	9.14	18.76	9.14	17,761	1.74	119,073
93	First State Bank Wrens, Ga.	CSRA Bank Corp.	bank	18.78	8.51	18.78	8.51	11,489	2.05	93,058
94	Summit Bank Burlington, Wash.	Summit Banking Co.	bank	18.71	1.54	18.60	1.54	21,460	5.05	146,564
95	Bank of North Las Vegas		bank	18.69	14.70	18.69	14.70	9,748	8.18	81,875
96	Citizens Commerce National Bank Versailles, Ky.	Citizens Commerce Bancshares Inc.	bank	18.65	12.30	18.62	12.23	36,550	2.74	297,957
97	Independent Bankers' Bank of Florida Lake Mary	Bankers' Bancorp. of Florida Inc.	bank	18.62	12.12	18.62	12.12	34,728	4.56	295,675
98	Jasper Banking Co. Ga.	JBC Bancshares Inc.	bank	18.42	5.49	18.42	5.49	22,229	1.46	237,562
99	SBC Inc. Countryside, Ill.		BHC	18.37	20.52	18.37	20.52	93,577	3.50	809,837
100	Americana Community Bank Sleepy Eye, Minn.	Midwest Bancshares Inc.	bank	18.31	8.89	18.31	8.89	18,817	3.31	159,636
101	Community Bank of Rockmart Ga.		bank	18.24	7.98	18.24	7.98	7,925	2.21	62,752
	LandMark Bank of Florida Sarasota	LandMark Financial Holding Co.	bank	18.24	6.84	18.24	6.84	45,079	1.18	287,871
103	Northern States Financial Corp. Waukegan, Ill.		BHC	18.11	9.75	18.11	9.75	69,690	2.30	531,728
104	First Citizens Bank of Georgia Dawsonville	First Citizens Financial Corp.	bank	18.06	19.11	18.06	19.11	12,558	2.16	118,208
105	U.S. Century Bank Doral, Fla.		bank	18.03	11.69	18.03	11.69	278,494	1.59	1,681,051
106	Cornerstone Community Bank St. Petersburg, Fla.	Cornerstone Bancorp Inc.	bank	17.88	7.39	17.88	7.39	37,631	3.41	289,434
107	Columbia Savings Bank Cincinnati	Columbia Bancorp Inc	savings bank	17.83	10.78	17.83	10.78	7,646	1.14	55,203
108	Cecil Bancorp Inc. Elkton, Md.		BHC	17.82	NA	17.82	NA	67,703	1.10	487,323
109	Cornerstone Bank Wilson, N.C.	CB Financial Corp.	bank	17.68	8.01	17.68	8.01	18,480	5.15	166,826
110	H&R Block Bank Kansas City, Mo.	H&R Block Inc.	thrift	17.60	24.46	17.60	24.46	221,150	0.97	1,793,722
111	Reliance Bancshares Inc. Frontenac, Mo.		BHC	17.58	6.01	17.58	6.01	170,875	3.42	1,296,025
112	First Chicago Bancorp Chicago		BHC	17.53	19.20	17.53	19.20	135,317	7.74	1,004,224
	Sunstate Bank Miami		bank	17.53	10.83	17.53	10.83	17,416	3.98	172,076
114	Maple Bank Champlin, Minn.	Maple Financial Holding Co.	bank	17.49	20.75	17.49	20.75	6,646	-1.30	61,138
	Metro Phoenix Bank		bank	17.49	15.79	17.49	15.79	10,493	4.56	68,563
116	Patriot National Bancorp Inc. Stamford, Conn.	PNBK Sponsor LLC	BHC	17.40	17.17	17.33	17.10	95,663	1.32	784,325
117	Premier Bank Wilmette, Ill.	Premier Bancorp Inc.	bank	17.39	4.52	17.39	4.52	31,537	5.51	290,264
118	Northside Bank Adairsville, Ga.	Northside Bancshares Inc.	bank	17.36	5.53	17.36	5.53	14,730	1.37	129,008
119	Banks of Wisconsin Kenosha	Wisconsin Bancshares Inc.	bank	17.32	17.79	17.32	17.79	27,294	2.86	210,049
	TFC Holding Co. Alhambra, Calif.		BHC	17.32	3.62	17.32	3.62	64,164	1.21	433,509
121	Metropolitan Bank Group Inc. Chicago		BHC	17.29	10.48	17.29	10.48	363,864	4.33	2,800,630
122	Commonwealth Bankshares Inc. Norfolk		BHC	17.27	13.71	17.27	13.71	164,332	1.94	1,113,487
123	Idaho Banking Co. Boise	Idaho Bancorp	bank	17.25	16.69	17.25	16.69	22,784	4.54	185,653
	Summit Bank Prescott, Ariz.	Central Financial Corp.	bank	17.25	9.16	17.25	9.16	11,037	2.63	80,829
125	Brand Group Holdings Inc. Lawrenceville, Ga.		BHC	17.24	3.93	17.24	3.93	144,411	3.31	1,196,988
	Liberty Bank FSB West Des Moines, Iowa	Liberty Banshares Iowa Inc.	thrift	17.24	7.64	17.24	7.64	163,437	2.23	1,139,567
	One Georgia Bank Atlanta		bank	17.24	7.36	17.24	7.36	24,595	7.63	192,772
128	Holladay Bank and Trust Salt Lake City		bank	17.19	11.26	17.19	11.26	5,774	1.72	56,616
129	AnchorBank FSB Madison, Wis.	Anchor BanCorp Wisconsin Inc.	thrift	17.12	14.17	17.12	14.17	488,985	0.08	3,588,391
	Centennial Bank Fountain Valley, Calif.		bank	17.12	9.47	17.12	9.47	114,200	1.50	765,342
131	Southwest Florida Community Bancorp Inc. Fort Myers		BHC	17.01	10.37	17.01	10.37	39,783	2.68	308,966
132	Stonebridge Bank West Chester, Pa.	Stonebridge Financial Corp.	bank	16.95	10.36	16.95	10.36	45,643	3.82	385,878
133	Rocky Mountain Capital Wilson, Wyo.		BHC	16.93	NA	16.93	NA	31,269	NA	287,424
134	First United Bank Crete, Ill.	Crete Bancorp. Inc.	bank	16.88	15.49	16.88	15.49	40,629	1.33	400,007
135	SunFirst Bank St. George, Utah	SunFirst Corp.	bank	16.84	15.74	16.80	15.74	23,299	5.53	224,704
136	First South Bank Spartanburg, S.C.	First South Bancorp Inc.	bank	16.78	13.16	16.78	13.16	48,746	2.25	464,171
137	Southeastern Bank Darien, Ga.	Southeastern Banking Corp.	bank	16.77	7.89	16.77	7.79	41,191	4.50	426,754
138	Orange County Business Bank Newport Beach, Calif.		bank	16.64	7.27	16.58	7.27	23,601	1.49	210,485
139	Pan American Bank Los Angeles		bank	16.63	12.47	16.63	12.47	5,587	1.97	42,403
140	First National Bank of Brookfield Ill.	1st Brookfield Inc.	bank	16.61	16.01	16.61	16.01	20,746	3.43	180,108
141	Beach Community Bancshares Inc. Fort Walton Beach, Fla.		BHC	16.55	13.97	16.55	13.95	79,252	1.32	633,606
142	Borrego Springs Bank La Mesa, Calif.	American Heritage Holdings	bank	16.52	9.25	4.70	2.80	19,196	1.82	138,849
143	First Citizens Bank of Polson Mont.	Flathead Lake Bancorp. Inc.	bank	16.49	6.26	16.49	6.13	2,850	0.98	27,435
144	Gateway Bank FSB San Francisco	SK & LL Wang LLC	thrift	16.48	10.72	16.48	10.72	26,593	0.00	305,753
145	AztecAmerica Bank Berwyn, Ill.	AztecAmerica Bancorp Inc.	bank	16.46	16.09	16.46	16.09	11,723	1.23	94,033
	Putnam-Greene Financial Corp. Eatonton, Ga.		BHC	16.46	7.04	16.46	7.04	45,746	1.95	526,407
147	Bank of Rio Vista Calif.		bank	16.42	3.55	16.42	3.55	14,927	3.14	175,797
148	Champion Bank Parker, Colo.		bank	16.31	6.88	16.31	6.88	8,854	2.72	76,974
149	Golden State Bank Upland, Calif.		bank	16.30	7.89	16.30	7.89	16,524	2.07	123,078
150	Georgia Trust Bank Buford	Georgia Trust Bancshares Inc.	bank	16.28	2.34	14.42	2.25	14,930	2.36	144,398
151	Security Savings Bank SSB Southport, N.C.		savings bank	16.22	16.50	16.22	16.50	41,877	4.90	357,613
152	Triumph Savings Bank SSB Dallas	Triumph Consolidated Cos. LLC	savings bank	16.20	8.62	16.20	8.62	24,764	-0.01	253,999
153	Capitol City Bancshares Inc. Atlanta		BHC	16.19	13.07	16.19	13.07	38,407	0.10	295,318
	Nantahala Bank and Trust Co. Franklin, N.C.		bank	16.19	7.53	16.19	7.53	22,479	2.71	189,957
	Northpointe Bank Grand Rapids, Mich.	Northpointe Bancshares Inc.	bank	16.19	16.23	16.19	16.23	35,366	3.07	274,760
156	Southport Bank Kenosha, Wis.	Southport Financial Corp.	bank	16.15	11.30	16.09	11.17	46,839	4.52	352,391
157	Monarch Community Bank Coldwater, Mich.	Monarch Community Bancorp Inc.	bank	16.14	11.98	16.14	11.98	30,945	4.94	256,156
158	1st Regents Bank Andover, Minn.	Alliance Bank Shares Corp.	bank	16.12	8.37	16.12	8.37	8,571	3.22	75,989
159	NewDominion Bank Charlotte, N.C.		bank	16.10	5.61	16.10	5.61	50,683	3.61	505,935
160	Bank of Choice Holding Co. Greeley, Colo.		BHC	16.04	8.64	16.04	8.64	114,281	4.78	1,208,200
161	Oxford Bank Corp. Mich.		BHC	16.00	16.37	16.00	16.37	30,566	2.87	285,122
162	Old Harbor Bank Clearwater, Fla.		bank	15.99	12.60	15.99	12.60	28,326	3.96	226,694
163	First CornerStone Bank King of Prussia, Pa.		bank	15.95	9.10	15.95	9.10	20,946	0.84	187,436
164	Inland Bancorp Inc. Oak Brook, Ill.		BHC	15.94	11.76	15.94	11.76	128,544	1.25	1,240,353
165	Dearborn Bancorp Inc. Mich.		BHC	15.91	13.44	15.91	13.44	117,492	2.93	915,684
166	Bank of Shorewood Ill.	Will County Bancorp Inc.	bank	15.90	7.37	15.90	7.37	12,701	2.44	124,712
167	Devon Bank Chicago	Devon Bancorp Inc.	bank	15.89	15.95	15.89	15.95	30,438	2.27	287,120
168	Rogers Bancshares Inc. Little Rock, Ark.		BHC	15.87	19.90	15.87	19.90	121,402	2.72	1,292,686
169	HarVest Bank of Maryland Gaithersburg	HarVest Bancorp Inc.	bank	15.79	9.12	15.79	9.12	17,975	2.47	161,909
170	Central Bank of Georgia Ellaville	Middle Georgia Corp.	bank	15.77	8.53	15.72	8.53	32,023	0.71	270,423
171	Citizens Exchange Bank Pearson, Ga.	Sum Financial Corp.	bank	15.73	14.52	15.73	14.52	2,234	1.02	27,286
172	State Central Bank Keokuk, Iowa	Logan Investment Corp.	bank	15.68	1.39	15.55	1.22	27,918	4.26	241,574
173	Landmark Bank Fort Lauderdale, Fla.	Giant Holdings Inc.	bank	15.67	10.86	15.67	10.86	41,439	5.87	330,167
174	First City Bank of Florida Fort Walton Beach	Florida First City Banks Inc.	bank	15.65	14.63	15.65	14.63	30,048	2.08	284,392
	Western Community Bank Orem, Utah	Community Bancorp.	bank	15.65	13.71	15.65	13.71	12,794	4.72	110,523
176	Nevada National Bank Las Vegas	SWNB Bancorp Inc.	bank	15.62	3.85	15.62	3.85	3,069	6.07	34,561
	United Bank Springdale, Ark.	United Holding Co. Inc.	thrift	15.62	8.52	15.62	8.52	20,824	2.18	185,752
178	Bank of Versailles Mo.	BOV Holding Co.	bank	15.59	2.67	15.59	2.67	36,266	2.00	319,970
	Town and Country Bank Las Vegas	West Point Bancorp Inc.	bank	15.59	0.62	15.59	0.62	25,400	0.44	211,905
180	Washington Savings Bank FSB Bowie, Md.	WSB Holdings Inc.	thrift	15.50	12.76	15.50	12.76	39,135	0.53	393,948
181	RiverBank Wyoming, Minn.	Osceola Bancorp. Inc.	bank	15.47	10.47	15.22	10.33	50,086	3.71	425,154
182	Pueblo Bank and Trust Co. Colo.	Pueblo Bancorp.	bank	15.45	21.15	15.45	21.15	32,433	4.42	332,931
183	Central Bank Tampa, Fla.	Central Financial Holdings Inc.	bank	15.41	0.47	15.41	0.47	8,008	1.87	73,713
184	First Capital Bank Guthrie, Okla.	FCB Holdings Inc.	bank	15.37	4.80	15.37	4.80	17,304	1.83	121,505
185	Independent Southern Bancshares Inc. Brownsville, Tenn.		BHC	15.34	10.27	15.34	10.26	35,119	1.69	355,066
	Merchants Commercial Bank St. Thomas, V.I.		bank	15.34	6.54	15.34	6.54	11,162	0.71	84,008
187	American Enterprise Bank Buffalo Grove, Ill.	A. E. Bancorp Inc.	bank	15.31	16.10	15.31	16.10	38,007	2.08	384,680
188	American Heartland Bank and Trust Sugar Grove, Ill.	American Heartland Bancshares Inc.	bank	15.26	8.65	15.26	8.58	11,181	3.38	90,105
	Seaway Bank and Trust Co. Chicago	Seaway Bancshares Inc.	bank	15.26	10.21	7.57	10.21	40,085	1.62	516,584
	Tri State Bank of Memphis, Tenn.		bank	15.26	7.08	14.98	6.81	12,959	0.42	117,212
191	Community Bank of Central Wisconsin Colby	Central Wisconsin Bancorp. Inc.	bank	15.25	7.33	15.25	7.29	11,695	1.89	118,753
	Community Financial Holding Co. Inc. Duluth, Ga.		BHC	15.25	NA	15.25	NA	50,096	2.55	507,405
193	Hampton Roads Bankshares Inc. Norfolk		BHC	15.24	13.00	15.24	13.00	301,877	8.80	2,900,156
194	Sevier County Bank Sevierville, Tenn.	Sevier County Bancshares Inc.	bank	15.23	14.36	15.23	14.36	35,210	0.28	367,773
195	Country Bank Aledo, Ill.	CB Holding Corp.	bank	15.20	0.89	15.20	0.89	25,172	0.45	213,484
	First National Bank of Wayne Neb.	First National Agency Inc.	bank	15.20	6.89	15.20	6.89	2,615	5.69	32,747
197	West Tennessee Bancshares Inc. Bartlett		BHC	15.19	7.92	15.19	7.92	33,248	2.05	392,872
198	City National Bank of New Jersey Newark	City National Bancshares Corp.	bank	15.18	7.24	14.72	6.91	37,185	2.87	386,911
199	Carver Federal Savings Bank New York	Carver Bancorp Inc.	thrift	15.16	5.88	14.71	5.75	90,829	1.95	743,604
	First Community Bank of America Pinellas Park, Fla.	First Community Financial Corp.	thrift	15.16	11.39	15.16	11.39	52,222	2.90	470,613

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. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of April 20, 2011.
*Nonperforming loans and leases, including assets guaranteed by the U.S. Government, agencies, and sponsored entities, as percent of gross loans and leases.
**Nonperforming loans and leases, excluding government-guaranteed assets, as percent of gross loans and leases.
† Chargeoffs, minus recoveries credited to the loan allowance. For savings institutions, net chargeoffs related to the specific valuation allowance are included. Divided by average loans and leases.

Source:

<small>SNL Financial</small>