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Community Banks and Thrifts with Highest Return on Average Assets

August 24, 2006, 10:08 a.m. EDT 1 Min Read
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Community Banks and Thrifts with Highest Return on Average Assets

Community Banks and Thrifts with Highest Return on Average Assets
In the first quarter of 2006. Dollars in thousands
Published August 24, 2006
Related Table: Leaders in ROA Improvement and in Effciency
Rank   Return on avg. assets Assets Return on avg. equity Efficiency ratio
1Q 2006 Year earlier
1 Surety Bank Fort Worth 15.19% -4.61% $32,336 74.33% 45.80%
2 Bank of St. Edward Neb. 8.76 7.94 37,059 41.31 24.5
3 Eastern Savings Bank Hunt Valley, Md. 7.04 6.94 904,601 48.52 32.4
4 Southwest Securities Arlington, Tex. 6.58 1.77 824,012 67.81 24.3
5 Calais Federal Savings and Loan Association Maine 5.46 0.94 56,359 38.14 26.6
6 NexBank Dallas 5.26 1.06 149,595 29.83 68.7
7 Spring Valley Bank Wyoming, Ohio 5.25 4.95 62,797 19.25 23.1
8 Peoples State Bank Cherryvale, Kan. 5.19 4.15 15,140 23.41 40.1
9 Custodial Trust Co. Princeton, N.J. 5.10 3.11 693,039 20.28 16.7
10 First Credit Bank Los Angeles 5.02 5.73 332,969 22.77 17.9
11 First Federal Savings and Loan Association of Olathe Kan. 5.00 2.71 47,872 27.49 28.5
12 First National Bank and Trust Co. of Weatherford Tex. 4.78 0.75 145,576 63.23 25.9
13 Broadway Bank Chicago 4.64 4.29 799,862 41.86 14.8
14 First Bank of Delaware Wilmington 4.56 8.57 97,325 34.29 48.5
15 First Bank and Trust Co. of Illinois Palatine 4.32 3.15 476,623 24.87 37.0
16 First Coleman National Bank Tex. 4.26 3.79 60,318 39.57 37.2
17 National Republic Bank of Chicago 4.21 4.20 536,071 34.26 20.6
18 Pan American Bank Chicago 4.16 3.22 34,474 31.55 80.5
19 Pueblo Bank and Trust Co. Colo. 4.12 4.19 350,020 37.57 46.5
20 Yellowstone Bank Laurel, Mont. 4.11 3.71 344,507 24.64 30.2
21 Valley Bank and Trust Cherokee, Iowa 4.10 1.01 19,263 40.18 63.7
22 Valley Bank National Association Elk Point, S.D. 4.02 1.78 67,365 35.41 69.0
23 Omni National Bank Atlanta 4.01 1.47 522,264 46.24 62.2
24 Utah Community Bank Sandy 3.94 2.56 66,416 29.13 28.3
25 Miami Valley Bank Lakeview, Ohio 3.93 4.96 154,943 41.76 27.6
26 First National Bank Fort Pierre, S.D. 3.86 2.39 525,881 25.08 41.5
27 Justin State Bank Tex. 3.80 3.27 63,847 38.23 41.8
28 CityBank Lynnwood, Wash. 3.79 2.93 900,558 18.24 26.4
29 Prinsburg State Bank Minn. 3.76 3.18 44,185 28.78 40.1
30 Commerce Bank Geneva, Minn. 3.73 3.19 116,362 27.50 34.1
First National Bank of Fairfax Minn. 3.73 3.15 24,112 10.73 57.3
32 First Western Federal Savings Bank Rapid City, S.D. 3.72 2.49 24,201 20.98 49.2
State Bank of Texas Irving 3.72 3.10 243,026 28.21 33.3
34 Moorhead State Bank Iowa 3.70 3.22 14,171 18.26 31.1
35 Elysian Bank Minn. 3.69 3.58 31,544 34.97 34.0
36 First Security National Bank Norcross, Ga. 3.67 2.89 147,212 32.03 40.0
37 Nebraska State Bank Oshkosh 3.63 2.64 30,807 38.53 45.0
38 Farmers and Merchants Bank of Hill City Kan. 3.62 5.48 34,265 31.57 40.0
39 Columbian Bank and Trust Co. Topeka, Kan. 3.54 1.60 398,272 41.15 32.7
40 Farmers National Bank of Seymour Tex. 3.52 3.02 60,480 34.14 41.0
41 BankFirst Sioux Falls, S.D. 3.51 -5.14 533,931 26.95 58.0
42 Vermillion State Bank Minn. 3.50 3.48 336,616 31.71 26.0
First State Bank of Canadian Tex. 3.50 2.55 102,046 33.50 33.4
44 Graham National Bank Tex. 3.46 2.74 93,885 33.34 45.4
45 Bank of San Jacinto County Coldspring, Tex. 3.43 2.34 31,329 31.28 53.9
46 State Bank of Wheaton Minn. 3.42 2.52 57,796 15.37 39.9
Monterey County Bank Monterey, Calif. 3.42 1.26 161,111 34.06 65.1
48 First Bank and Trust Co. Wagoner, Okla. 3.41 2.95 152,084 36.71 36.0
49 First State Bank of Healy Kan. 3.40 2.59 41,393 14.14 31.9
50 First National Bank of Picayune Miss. 3.39 3.30 224,105 48.71 37.8
51 Prior Lake State Bank Minn. 3.38 2.32 153,188 29.25 41.1
American Bank Bozeman, Mont. 3.38 1.81 507,771 42.94 38.9
53 State Bank of McGregor Minn. 3.36 3.64 46,975 35.69 36.4
54 Marathon National Bank of New York Astoria 3.34 1.03 792,700 35.76 27.0
TransCapital Bank Hallandale Beach, Fla. 3.34 3.85 245,054 31.37 21.1
56 First National Bank Fabens, Tex. 3.32 3.85 219,621 40.50 40.6
57 Lindell Bank and Trust Co. St. Louis 3.29 3.07 285,006 18.64 34.6
58 Vermont State Bank Vermont, Ill. 3.29 3.81 8,544 28.17 42.9
59 Clinton State Bank Minn. 3.28 3.04 55,000 27.93 23.9
60 Peoples Community Bank Greenville, Mo. 3.25 2.64 75,961 22.15 46.3
61 Merchants and Farmers Bank Comer, Ga. 3.24 2.89 125,817 27.73 50.7
Union National Bank and Trust Co. of Elgin Ill. 3.24 3.58 341,343 31.54 21.4
63 Community First Bank Pikesville, Md. 3.22 1.70 81,877 33.12 86.7
America California Bank San Francisco 3.22 1.18 134,669 28.16 33.1
65 Citizens National Bank of Breckenridge Tex. 3.21 2.92 74,499 31.42 39.3
66 First Bank of Okarche Okla. 3.20 3.30 44,431 18.48 37.1
67 Haven Trust Bank Duluth, Ga. 3.19 0.38 281,044 37.47 42.9
Senath State Bank Mo. 3.19 3.45 45,494 20.39 47.5
69 Drummond Community Bank Chiefland, Fla. 3.16 3.48 157,994 24.84 49.1
Farmers Bank Carnegie, Okla. 3.16 2.69 38,744 24.36 45.8
71 Bank of the Southwest Roswell, N.M. 3.15 2.45 124,117 33.79 59.3
72 Interstate Bank SSB Perryton, Tex. 3.14 1.98 92,222 39.56 46.4
Citizens State Bank Enderlin, N.D. 3.14 2.33 67,162 19.82 32.4
74 Crescent Bank and Trust New Orleans 3.13 2.58 352,466 30.24 58.3
Stanley Bank Kan. 3.13 2.29 118,196 15.70 46.6
76 First National Bank Northwest Florida Panama City 3.12 1.59 127,262 22.03 48.1
State Bank of Downs Kan. 3.12 2.09 52,949 20.94 42.5
Stockmans Bank Elk Grove, Calif. 3.12 2.67 360,491 25.51 37.8
79 Chickasha Bank and Trust Co. Okla. 3.11 0.94 139,134 35.40 65.2
First National Bank and Trust Co. Fort Walton Beach, Fla. 3.11 2.84 427,492 35.67 56.5
81 Town and Country Bank of Quincy Ill. 3.10 2.28 111,153 35.19 37.1
82 Durden Banking Co. Inc. Twin City, Ga. 3.09 1.57 118,698 31.37 48.1
83 Chambers State Bank Neb. 3.08 2.53 26,616 10.79 32.8
Community South Bank Parsons, Tenn. 3.08 1.44 345,893 28.01 67.3
First Guaranty Bank Martin, Ky. 3.08 2.46 54,841 24.36 34.8
First National Bank of Olney Tex. 3.08 3.14 52,674 30.89 36.7
87 Bank of Baker Mont. 3.06 2.50 58,054 34.64 34.8
Farmers State Bank Ewing, Neb. 3.06 2.68 12,927 11.18 40.5
89 Farmers State Bank Hosmer, S.D. 3.05 2.88 13,777 13.49 47.3
90 Security Bank Pawnee, Okla. 3.04 2.86 290,774 22.97 27.3
91 First National Bank USA Boutte, La. 3.03 1.32 187,651 30.27 50.8
Interstate Bank Oak Forest, Ill. 3.03 2.35 177,931 40.34 56.0
93 Corydon State Bank Iowa 3.02 3.26 49,392 22.17 25.0
94 Citizens National Bank at Brownwood Tex. 3.01 2.58 148,901 25.97 43.6
First National Bank of Borger Tex. 3.01 2.57 39,706 28.73 49.4
96 FirstBank Antlers, Okla. 3.00 2.29 115,347 31.40 61.1
Great Plains Bank Eureka, S.D. 3.00 2.79 45,917 22.42 43.7
98 University National Bank of Lawrence Kan. 2.99 3.06 92,288 24.15 47.9
99 America West Bank Layton, Utah 2.97 2.02 128,521 26.49 61.3
First State Bank of Beecher City Ill. 2.97 2.70 38,242 16.99 47.3
Alliance Bank New Ulm, Minn. 2.97 2.74 399,931 26.06 42.7
102 Charter Bank Corpus Christi 2.95 3.24 129,498 53.28 54.9
103 Bank of the Rio Grande Las Cruces, N.M. 2.94 1.47 103,042 32.64 56.0
104 Farmers-Merchants Bank and Trust Co. Breaux Bridge, La. 2.94 3.35 206,986 31.77 42.8
First Bank of Baldwin Wis. 2.94 1.13 117,008 23.81 52.0
Union Bank of Mena Ark. 2.94 1.93 145,951 43.31 60.6
Home Bank Ducktown, Tenn. 2.94 2.28 123,323 33.99 50.7
108 Security Pacific Bank Los Angeles 2.93 1.95 566,152 30.23 39.1
109 Bank of Alma Wis. 2.92 3.04 170,857 10.54 12.7
Farmers Bank Ault, Colo. 2.92 2.87 128,712 24.92 36.8
Douglas County Bank Douglasville, Ga. 2.92 2.67 365,033 36.46 38.5
112 Citizens Bank Nashville, Ga. 2.91 1.95 233,349 30.97 43.0
First National Bank of Throckmorton Tex. 2.91 1.79 22,581 30.46 41.6
First Whitney Bank and Trust Atlantic, Iowa 2.91 1.90 99,756 26.65 34.9
115 Preston National Bank of Dallas 2.90 2.30 52,101 23.77 59.9
Chambers Bank Danville, Ark. 2.90 3.02 477,195 22.37 40.1
First Farmers and Merchants Luverne, Minn. 2.90 1.94 106,460 24.24 54.4
118 Blue Ridge Savings Bank Inc. Asheville, N.C. 2.87 3.12 250,446 30.05 34.3
Friona State Bank Tex. 2.87 1.93 83,530 26.05 42.1
Tower Bank and Trust Co. Fort Wayne, Ind. 2.87 0.69 571,975 32.27 40.3
121 First National Bank of Howard Kan. 2.86 2.90 7,525 16.41 53.3
Riverside Bank Sparkman, Ark. 2.86 3.50 48,102 37.98 52.8
First National Bank of America East Lansing, Mich. 2.86 2.70 345,957 17.84 52.7
Central Bank Provo, Utah 2.86 2.49 490,772 16.57 43.2
125 Drayton State Bank N.D. 2.85 2.69 38,001 25.76 42.5
Five Star Bank Rocklin, Calif. 2.85 4.53 245,203 27.02 33.0
Gunnison Valley Bank Utah 2.85 3.49 53,533 24.03 38.2
Lawrence Bank Kan. 2.85 1.53 42,200 16.49 50.8
Plains Commerce Bank Hoven, S.D. 2.85 2.92 264,518 18.88 48.1
130 Sterling Bank Lantana, Fla. 2.84 2.36 345,051 35.61 43.9
131 Farmers and Merchants State Bank of Pierz Minn. 2.83 3.02 150,982 31.74 35.2
132 Bank of Greeleyville S.C. 2.82 1.39 51,327 30.88 58.5
Home State Bank Royal, Iowa 2.82 2.52 35,496 9.87 30.9
Bank/First Citizens Bank Cleveland, Tenn. 2.82 2.33 483,584 36.42 43.5
135 California Pacific Bank San Francisco 2.81 1.32 86,551 15.09 34.0
Fidelity Bank of Florida Merritt Island 2.81 2.65 318,911 23.09 13.3
137 Peoples State Bank De Smet, S.D. 2.80 3.37 57,285 17.83 40.7
PrimeSouth Bank Tallassee 2.80 2.34 133,225 31.60 35.4
139 Bank of Vici Okla. 2.79 2.09 25,148 22.47 56.8
Covington County Bank Andalusia, Ala. 2.79 1.84 237,244 31.07 46.3
Texas Bank Brownwood 2.79 2.36 180,920 26.29 56.9
142 First Bank of Northern Kentucky Inc. Fort Mitchell 2.77 -0.15 68,977 15.88 93.7
State Bank of Niantic Ill. 2.77 0.68 48,353 16.58 47.0
144 MontroseBank Colo. 2.76 2.33 146,883 30.80 54.0
State Bank of Bartley Neb. 2.76 2.59 19,132 25.24 51.3
146 Farmers Exchange Bank Cherokee, Okla. 2.75 1.75 109,355 33.26 41.8
Pinnacle Bank Elberton, Ga. 2.75 2.49 396,293 21.85 48.7
148 ACB Bank Cherokee, Okla. 2.74 2.35 35,219 28.55 34.1
Bank of Las Vegas 2.74 0.92 143,197 32.64 45.1
Clackamas County Bank Sandy, Ore. 2.74 2.29 156,188 16.64 59.2

Note: Independent banks with less than $1 billion of assets or whose holding companies have less than $1 billion. Excludes industrial banks and those at which loans constitute less than half of assets and whose credit card loans exceed 25% of gross loans.

Source: SNL Financial, Charlottesville, Va. (www.snl.com)

© 2006 American Banker
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