Banks with Assets of Less Than $1Billion, Ranked by ROA

Published February 22, 2002, 10:08 a.m. EST

Updated January 02, 1970, 9:08 a.m. EST

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Banks with Assets of Less Than $1Billion, Ranked by ROA

Banks with Assets of Less Than $1Billion, Ranked by ROA
On Sept. 30, 2001; dollars in thousands Published February 22, 2002

Rank		Return on average assets
		Sept. '01	Sept. '00	Total Assets	Return on average equity	Efficiency Ratio
1	Franklin Thrift and Loan Association Orange, Calif.	13.56%	5.43%	$2,114	39.57%	44.8
2	Pitney Bowes Bank Salt Lake City	13.04	4.27	368,329	85.04	2.17
3	Mauriceville National Bank Tex.	5.08	0.84	33,722	58.29	83.25
4	Wright Express Financial Services Corp. Salt Lake City	4.6	3.84	263,702	36.78	69.85
5	First Farmers and Merchants Grand Meadow, Minn.	4.13	0.55	24,342	31.55	71.9
6	BMW Bank of North America Salt Lake City	3.81	-0.04	767,282	33.82	21.86
7	Peoples National Bank Paris, Tex.	3.79	1.12	101,172	49.75	80.74
8	First National Bank Fort Pierre, S.D.	3.65	4.13	205,666	33.75	50.21
9	City Bank Lynnwood, Wash.	3.47	3.61	615,148	16.89	44.97
10	Utah Community Bank Sandy	3.29	-0.88	19,539	13.03	60.34
11	Peoples State Bank Cherryvale, Kan.	3.15	2.79	13,909	23.32	44.24
12	Country Bank New York	3.12	0.77	135,747	34.23	47.78
13	Central Bank Provo, Utah	2.85	2.87	332,454	17.36	50.88
	Bank of Alma Wis.	2.85	2.57	125,686	14.71	13.19
15	Security State Bank Maple Lake, Minn.	2.82	0.86	53,839	36.44	44.07
16	Gunnison Valley Bank Gunnison, Utah	2.73	2.8	41,153	26.3	34.49
17	Finance and Thrift Co. Porterville, Calif.	2.7	2.34	98,420	15.1	60.63
18	Albina Community Bank Portland, Ore.	2.64	1.27	53,118	30.72	61.05
19	Lakeside Bank of Salina Okla.	2.63	2.55	25,420	26.37	41.07
20	Community Banks of Southern Colorado Rocky Ford	2.62	1.86	93,093	31.72	53.63
21	State Bank of Riverdale Neb.	2.6	2.93	26,374	7.67	30.96
22	Bank of Steinauer Neb.	2.55	2.66	7,637	29.38	45.59
	Farmers Bank Hardinsburg, Ky.	2.55	2.76	70,578	14.79	43.84
24	Bank of the Federated States of Micronesia Kolonia	2.47	2.93	56,571	11.52	69.92
	Far West Bank Provo, Utah	2.47	2.32	255,028	19.92	52.9
26	Moorhead State Bank Moorhead, Iowa	2.43	2.34	12,709	16.68	33.23
27	Vermont State Bank Vermont, Ill.	2.42	2.25	4,986	14.52	60.35
	Custodial Trust Co. Princeton, N.J.	2.42	2.91	495,434	8.44	47.18
29	Security First National Bank of Hugo Hugo, Okla.	2.41	2.68	80,296	33.77	40.66
30	Holladay Bank and Trust Co., Salt Lake City	2.39	2.92	56,324	20.43	46.25
31	Humboldt Bank Eureka Calif.	2.38	1.82	518,456	30.44	58.35
32	La Farge State Bank La Farge, Wis.	2.36	2.43	31,672	10.56	27.46
33	Needham Co-Op Bank Needham, Mass.	2.33	2.08	377,901	7.71	24.79
34	California Chohung Bank Los Angeles	2.32	3.31	129,112	7.05	43.72
	Putnam County National Bank of Carmel Carmel, N.Y.	2.32	2.94	156,083	9.63	39.55
36	Chambers State Bank Chambers, Neb.	2.3	2.92	24,806	9	30.97
37	Middletown Valley Bank Md.	2.29	2.25	114,595	10.97	37.12
38	Liberty Bank and Trust Co. Boston	2.27	2.27	37,377	14.3	55.75
39	Farmers State Bank of Oakley Kan.	2.26	1.67	77,458	18.12	39.39
40	Mississippi River Bank Belle Chasse, La.	2.24	2.36	81,934	19.52	53.45
41	State Bank of Escanaba Mich.	2.22	2.23	97,087	11.1	38.43
42	County Bank Rehoboth Beach, Del.	2.21	1.88	178,119	25.59	50.15
43	Stearns Bank St. Cloud, Minn.	2.19	1.99	596,193	20.36	36.03
44	Vermillion State Bank Vermillion, Kan.	2.18	2.61	13,926	12.11	43.78
	Fort Gibson State Bank Okla.	2.18	0.99	42,271	28.53	55.33
	American Bank NA, Dallas	2.18	1.51	24,480	23.57	57.95
47	Peoples Webster County Bank Red Cloud, Neb.	2.17	2.54	49,875	8.1	37.32
	Wyoming Bank and Trust Co. Cheyenne	2.17	1.3	40,851	26.4	56.6
	First Western National Bank La Jara, Colo.	2.17	1.58	158,457	17.06	61.37
50	First State Bank of Healy Kan.	2.14	1.78	36,166	9.45	42.73
51	First National Bank of Wyoming Wyoming, Del.	2.13	1.96	165,789	11.94	43.75
	First National Bank of Morgan Morgan City, Utah	2.13	2.77	48,015	14.44	46.82
	Utah Independent Bank Salina	2.13	2.25	34,163	16.37	47.25
	Bankers Bank Madison, Wis.	2.13	0.9	124,432	15.28	75.8
55	Wilton Bank Wilton, Conn.	2.12	1.89	90,330	18.91	45.51
	Scandia American Bank and Trust Co. Stanley, N.D.	2.12	2.27	56,919	9.88	30.47
	Hanvit American Bank New York	2.12	2.59	314,227	11.86	55.72
	Payne County Bank Perkins, Okla.	2.12	2.03	77,888	12.87	43.05
	Citizens Bank Carthage, Tenn.	2.12	2.21	408,867	10.78	25.67
60	Summit Bank Fort Worth, Tex.	2.11	1.3	625,833	22.54	55.07
61	Bank of Commerce Idaho Falls	2.1	2.24	431,491	14.16	33.14
62	First National Bank Amarillo Tex.	2.09	1.66	362,511	14.67	50.34
63	Fireside Thrift Co. Pleasanton, Calif.	2.08	2.24	901,455	15.64	48.21
	Bryn Mawr Trust Co. Bryn Mawr, Pa.	2.08	2.03	460,160	23.14	63.09
	County Bank Greenwood, S.C.	2.08	1.9	160,509	17.16	58.07
66	First State Bank of Okabena Minn.	2.07	1.85	20,185	9.44	41.44
	First State Bank Hope, N.D.	2.07	1.71	14,195	22.97	49.29
68	First National Bank of Izard County Calico Rock, Ark.	2.06	1.83	110,562	10.38	40.86
	Peoples Bank Chatham, La.	2.06	2.48	16,388	16.89	52.81
	Shell Lake State Bank Wis.	2.06	2.04	98,479	13.73	43.91
	First National Bank of Arizona Scottsdale	2.06	0.19	371,978	31.5	82.59
	Barnes Banking Co. Kaysville, Utah	2.06	2.28	442,282	15.06	40.38
73	Metro Bank Pell City, Ala.	2.05	1.87	218,358	25.25	35.31
	Omaha State Bank	2.05	1.57	198,715	25.87	53.27
	First Pryority Bank Pryor, Okla.	2.05	2.37	123,622	19.22	39.44
	First National Bank Rosedale, Miss.	2.04%	1.69%	$46,791	17.82%	53.27
	Liberty State Bank Powers Lake, N.D.	2.04	1.93	22,877	11.06	40.56
	American Investment Financial Midvale, Utah	2.04	2.27	137,077	14.16	46.02
79	Citizens State Bank of Choteau Mont.	2.03	1.75	42,049	14.38	33.02
	Nara Bank NA Los Angeles	2.03	2.38	630,820	25.49	57.85
81	Community Bank and Trust Co. Wolfeboro, N.H.	2.02	1.74	296,592	23.79	38.98
	Enloe State Bank Enloe, Tex.	2.02	2.15	16,722	12.31	58.44
	Golf Savings Bank Mountlake Terrace, Wash.	2.02	-0.31	108,109	22.9	84.42
	Security State Bank and Trust Co. Fredericksburg, Tex.	2.02	2.29	431,179	17.75	43.8
	Pacific Continental Bank Eugene, Ore.	2.02	1.67	299,202	18.42	53.36
86	Rancho Santa Fe National Bank Calif.	2.01	1.89	236,964	22.9	47.27
	California Pacific Bank San Francisco	2.01	1.61	72,123	10.69	57.86
88	First United Bank Denver	1.99	2.67	122,056	14.89	56
	Peoples Bank and Trust Co. Owenton, Ky.	1.99	2.02	58,768	20.44	50.82
	Bank of American Fork Utah	1.99	2.18	384,657	14.24	47.12
91	Deposit Bank Carlisle, Ky.	1.98	2.11	56,481	11.22	36.04
	University National Bank St. Paul	1.98	1.77	42,705	25.44	56.94
	Clackamas County Bank Sandy, Ore.	1.98	2	152,862	13.36	55.43
	Bonneville Bank Provo, Utah	1.98	2.14	25,091	10.78	63.22
95	Bank of Southside Virginia Carson	1.97	2.35	375,288	16.47	47.44
96	Farmers and Merchants State Bank Krum, Tex.	1.96	2.03	91,711	26.24	62.06
	National Grand Bank-Marblehead Marblehead, Mass.	1.96	1.93	189,180	20.97	44.73
98	Marion Bank and Trust Co. Marion, Ala.	1.95	1.69	89,799	14.83	48.72
	Bank of Dooly Vienna, Ga.	1.95	1.97	55,307	11.09	43.97
100	First State Bank St.. Charles, Mo.	1.94	1.58	137,460	9.92	44.49
	First State Bank Claremont, S.D.	1.94	2.19	23,477	8.49	47.45
	Calvin B. Taylor Banking Co. Berlin, Md.	1.94	2.01	318,264	11.53	38.47
103	Farmers State Bank Westmoreland, Kan.	1.93	1.91	50,196	9.18	33.72
	Williamsburg National Bank Ky.	1.93	1.67	55,708	19.76	42.63
	Farmers State Bank Ewing, Neb.	1.93	2	12,762	8.58	40.04
106	Benton County State Bank Blairstown, Iowa	1.92	1.55	32,660	13.98	40.53
	Bryan County National Bank Caddo, Okla.	1.92	1.47	33,917	18.24	49.28
	Adams National Bank Washington	1.92	1.73	168,200	17.44	53.63
109	First Security Thrift Co. Orange, Calif.	1.91	1.97	167,634	15.88	24.98
	Citizens State Bank Moundridge, Kan.	1.91	1.95	131,028	15.79	44.86
	Hamlin Bank and Trust Co. Smethport, Pa.	1.91	1.96	244,633	8.53	45.31
	Bank of Granite Granite Falls, N.C.	1.91	2.54	691,076	11.18	35.96
	Bridge View Bank Englewood Cliffs, N.J.	1.91	1.85	228,383	18	47.59
	Bank of Locust Grove Okla.	1.91	2.41	29,391	20.71	50.85
115	Bank of the Cascades Bend, Ore.	1.9	1.92	474,133	23.98	50.73
	Jersey Shore State Bank Jersey Shore, Pa.	1.9	1.59	401,798	17.49	49.17
117	Peachtree Bank Maplesville, Ala.	1.89	1.86	54,650	13.86	49.92
	First National Bank of Howard Kan.	1.89	2.08	6,976	15.93	51.72
119	First National Bank of Stratton, Colo.	1.88	1.45	36,221	19.39	55.05
	Bank of Anguilla Miss.	1.88	2.24	77,823	13.92	55.7
	Drayton State Bank Drayton, N.D.	1.88	2.04	33,145	16.58	40.91
	Eden State Bank Eden, Tex.	1.88	2.49	17,033	16.85	61.78
	Citizens and Farmers Bank West Point, Va.	1.88	1.64	379,072	20.3	64.06
	Bank of Hayti Mo.	1.88	1.96	66,310	17.35	44.94
125	Farmers Bank Greenwood, Ark.	1.87	1.43	142,878	9.08	48.84
	First Westroads Bank Omaha	1.87	1.62	141,389	22.57	44.24
	Citizens Community Bank Winchester,Tenn.	1.87	2.05	84,050	15.48	45.66
128	McGehee Bank McGehee, Ark.	1.86	1.88	87,823	10.5	42.96
	Senath State Bank Senath, Mo.	1.86	1.39	36,842	11.87	49.14
	Mountain States Bank Denver	1.86	1.73	278,280	14.17	47.02
131	Mohave State Bank Lake Havasu City, Ariz.	1.85	1.84	160,691	19.92	46.09
	Colorado Mountain Bank Westcliffe	1.85	2.23	63,966	24.76	46.02
	First National Bank of Gordon Gordon, Neb.	1.85	1.69	84,302	17.37	47.56
	Bank of Prairie du Sac Wis.	1.85	1.7	167,643	11.77	40.04
	Stearns Bank Canby Canby, Minn.	1.85	1.09	72,493	17.87	26.79
	West Des Moines State Bank West Des Moines	1.85	1.83	807,500	20.53	29.29
	First Security Bank Batesville, Miss.	1.85	1.52	278,996	16.14	50.36
	American River Bank Sacramento, Calif.	1.85	1.74	221,419	19.41	43.37
139	Northwestern State Bank Orange City, Iowa	1.84	1.79	80,812	20.98	39.12
	Union Bank Morrisville, Vt.	1.84	1.97	224,862	15.88	54.5
141	Farwell State Savings Bank Farwell, Mich.	1.83	1.99	84,061	9.91	37.92
	Dutton State Bank Dutton, Mont.	1.83	1.31	15,930	14.87	50.51
	First State Bank Irvington, Ky.	1.83	1.56	112,026	18.66	53
	Peoples State Bank and Trust Co. Baxley, Ga.	1.83	2.46	51,932	14.56	56.59
145	Newton South Co-operative Bank Newton, Mass.	1.82	1.9	108,979	11.98	39.58
	Ruby Valley National Bank Twin Bridges, Mont.	1.82	2.09	42,048	17.81	50.46
	Citizens State Bank Hudson, Wis.	1.82	1.2	103,729	19.79	51.45
	Bank of Jackson Hole Jackson, Wyo.	1.82	2.09	197,282	17.46	45.71
149	Rural American Bank - Luck Luck, Wis.	1.81	1.79	55,989	24.32	48.94
	Weleetka State Bank Weleetka, Okla.	1.81	1.31	17,821	24.06	57.16
	Bank of Cleveland Cleveland, Tenn.	1.81	1.6	137,077	19.49	53.32

Community banks are defined as independent banks with assets under $1 billion or banks owned by a bank holding company
with assets under $1 billion. The following were excluded: banks with total loans/total assets under 50%; banks with credit card
loans/gross loans over 25%; banks filing S Corporation exclusion with the IRS.