Community Banks and Thrifts with Highest Return on Average Assets

November 28, 2006, 10:08 a.m. EST 1 Min Read

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Community Banks and Thrifts with Highest Return on Average Assets
In the second quarter of 2006. Dollars in thousands Published November 28, 2006
Related Table: Leaders in ROA Improvement and Efficiency
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		2Q 2006	Year earlier	Assets	Return on avg. equity	Efficiency ratio
1	Community Development Bank Ogema, Minn.	9.28%	1.15%	$23,380	55.64%	90.00%
2	First Credit Bank Los Angeles	8.02	5.49	294,762	33.62	9.08
3	First State Bank Yukon, Okla.	7.61	1.33	15,452	95.34	37.52
4	First National Bank of Bellevue Ohio	7.20	1.05	98,436	63.81	72.43
5	Capital Community Bank Provo, Utah	6.92	1.13	91,774	65.46	55.96
6	Pioneer Bank Sergeant Bluff, Iowa	6.79	1.27	102,956	71.12	32.71
7	Eastern Savings Bank Hunt Valley, Md.	6.57	8.77	906,819	45.45	33.35
8	First Bank and Trust Co. of Illinois Palatine	6.03	4.69	481,649	35.92	36.96
9	Spring Valley Bank Wyoming, Ohio	5.99	4.34	63,012	21.12	12.90
	Custodial Trust Co. Princeton, N.J.	5.99	3.31	732,066	18.50	19.07
11	First Bank of Jacksonville Fla.	5.90	-1.87	94,722	67.97	24.47
12	Bank of St. Edward Neb.	5.88	5.37	37,764	27.68	16.51
13	Peoples State Bank Cherryvale, Kan.	5.68	6.21	13,673	22.95	39.49
14	National Family Bank Munden, Kan.	5.54	1.05	16,578	63.69	45.83
15	Philadelphia Trust Co.	5.51	4.92	28,323	14.28	73.63
16	State Bank of Texas Irving	5.20	3.86	264,908	42.35	23.65
17	Pueblo Bank and Trust Co. Colo.	5.18	4.35	356,349	45.70	41.76
18	NexBank Dallas	4.88	6.32	161,310	25.65	39.28
19	Bank of Early Blakely, Ga.	4.77	1.62	76,142	35.33	54.39
20	Brighton Bank Salt Lake City	4.60	4.11	171,171	41.85	42.70
21	Citizens State Bank of Lankin N.D.	4.58	1.22	50,871	51.85	51.49
22	Broadway Bank Chicago	4.49	4.54	911,300	43.71	15.96
23	First Coleman National Bank Tex.	4.48	4.13	56,740	40.74	37.19
24	State Bank of Downs Kan.	4.39	2.51	51,022	27.83	NM
25	First National Bank in Munday Tex.	4.37	0.79	61,970	48.26	67.96
	Utah Community Bank Sandy	4.37	3.29	62,726	33.21	27.79
27	Justin State Bank Tex.	4.32	3.89	60,941	39.29	38.07
28	Interstate Bank Oak Forest, Ill.	4.26	2.93	184,775	54.20	46.36
29	Blue Ridge Savings Bank Asheville, N.C.	4.24	3.05	257,689	43.23	26.30
30	Seattle Savings Bank	4.22	2.36	534,618	48.48	73.08
31	Commercial Capital Bank Delhi, La.	4.06	3.04	31,763	34.44	45.55
32	City Bank Lynnwood, Wash.	4.04	2.58	944,028	19.63	25.54
33	National Republic Bank of Chicago	4.00	4.54	579,213	32.84	23.07
34	Miami Valley Bank Lakeview, Ohio	3.96	4.75	160,510	42.08	29.05
35	Bank of the Southwest Roswell, N.M.	3.90	2.88	131,710	41.64	56.20
36	Prime Alliance Bank Woods Cross, Utah	3.89	-0.26	184,846	36.77	24.73
37	University National Bank of Lawrence Kan.	3.85	2.96	97,652	30.25	45.91
38	Yellowstone Bank Laurel, Mont.	3.84	3.85	356,551	23.60	33.72
39	First State Bank of Canadian Tex.	3.80	2.72	98,028	34.39	31.20
40	First Bank and Trust Co. Wagoner, Okla.	3.77	3.41	151,561	39.85	34.47
	Prinsburg State Bank Minn.	3.77	1.92	45,973	30.81	40.38
42	First National Bank Fabens, Tex.	3.76	2.98	221,492	45.58	33.15
43	Vermillion State Bank Minn.	3.75	3.69	335,076	34.20	23.68
44	Graham National Bank Tex.	3.73	2.76	90,080	35.45	44.54
45	Prior Lake State Bank Minn.	3.71	2.62	151,304	30.87	40.39
46	First State Bank of Hotchkiss Colo.	3.66	2.36	54,727	28.93	35.43
47	America West Bank Layton, Utah	3.65	1.94	157,189	39.03	50.40
	Commerce Bank Geneva, Minn.	3.65	3.79	137,728	28.49	32.67
	Moorhead State Bank Iowa	3.65	3.44	14,959	17.94	31.63
50	Farmers and Merchants Bank Monticello, Fla.	3.64	2.55	374,617	41.64	40.88
51	First National Bank Layton, Utah	3.61	2.78	298,426	36.59	46.69
	Southern Horizon Bank Leary, Ga.	3.61	3.95	22,097	36.18	69.49
53	Drummond Community Bank Chiefland, Fla.	3.60	4.07	157,032	28.59	45.43
54	Community South Bank Parsons, Tenn.	3.56	3.02	384,586	38.70	71.96
55	Continental Bank Salt Lake City	3.53	3.44	68,359	27.85	24.11
	Peoples Community Bank Greenville, Mo.	3.53	3.19	78,291	24.80	43.89
	First Bank of Okarche Okla.	3.53	3.44	42,830	19.94	32.47
58	Bank of the Rio Grande Las Cruces, N.M.	3.48	1.70	112,885	38.52	50.02
59	Bank of Baker Mont.	3.47	2.94	63,184	39.95	30.08
	First National Bank Fort Pierre, S.D.	3.47	2.78	531,150	21.84	39.59
61	Stockmans Bank Elk Grove, Calif.	3.42	2.86	351,234	28.33	33.85
62	First National Bank and Trust Co. Fort Walton Beach, Fla.	3.40	2.64	409,553	37.19	53.47
63	Farmers National Bank of Seymour Tex.	3.39	3.15	59,146	32.43	42.41
64	Heritage Community Bank Glenwood, Ill.	3.38	2.67	312,528	36.64	40.18
	North Valley Bank Thornton, Colo.	3.38	2.44	116,980	35.04	56.56
66	Lindell Bank and Trust Co. St. Louis	3.37	3.12	283,432	18.43	34.86
67	First National Bank of Picayune Miss.	3.36	2.91	228,202	49.83	39.85
	State Bank of McGregor Minn.	3.36	2.92	50,239	37.55	38.59
	Nebraska State Bank Oshkosh	3.36	3.18	32,928	36.08	50.00
70	National Bank of Andrews Tex.	3.35	2.41	73,745	37.72	59.01
	First Guaranty Bank Martin, Ky.	3.35	2.81	55,815	24.63	32.08
72	Farmers State Bank Hosmer, S.D.	3.34	3.18	13,850	14.72	49.14
73	First National Bank of Throckmorton Tex.	3.33	2.22	22,527	34.70	36.93
74	Columbian Bank and Trust Co. Topeka, Kan.	3.32	2.46	417,742	36.63	31.07
	First Security National Bank Norcross, Ga.	3.32	3.16	151,777	31.06	42.48
	Putnam County National Bank of Carmel N.Y.	0.03	0.01	160,087	0.14	0.33
77	Ruby Valley National Bank Twin Bridges, Mont.	3.31	3.57	61,351	29.70	45.52
78	Great Plains National Bank Elk City, Okla.	3.30	2.52	280,636	43.78	48.32
	Home Bank Ducktown, Tenn.	3.30	2.53	110,209	35.52	40.91
80	Merchants and Farmers Bank Comer, Ga.	3.27	3.16	136,120	30.59	47.77
	Grant County State Bank Carson, N.D.	3.27	2.22	23,834	28.55	39.71
	New City Bank Chicago	3.27	2.11	65,621	22.17	39.40
83	Douglas County Bank Douglasville, Ga.	3.26	2.68	372,616	41.03	34.20
84	Crowell State Bank Tex.	3.25	2.73	23,771	25.34	51.64
85	Texas Bank Brownwood	3.24	2.47	199,360	34.63	51.53
86	Gunnison Valley Bank Utah	3.23	3.11	55,019	26.62	30.73
87	State Bank of Townsend Mont.	3.20	1.29	39,106	35.92	53.28
	Citizens National Bank at Brownwood Tex.	3.20	2.61	150,154	27.40	42.75
	First Farmers and Merchants Luverne, Minn.	3.20	2.46	107,745	26.54	51.77
	Security Bank Pawnee, Okla.	3.20	2.84	299,863	25.30	25.14
91	Citizens National Bank of Breckenridge Tex.	3.19	2.86	72,077	30.18	39.56
92	Sterling Bank Lantana, Fla.	3.18	2.70	348,030	39.79	42.59
	State Bank of Bartley Neb.	3.18	0.99	21,761	29.02	48.25
94	Bank of Dade Trenton, Ga.	3.17	2.23	75,483	52.37	45.72
95	United Security Bank Sparta, Ga.	3.16	2.94	116,238	43.77	42.58
	Grundy Bank Morris, Ill.	3.16	2.20	177,886	29.43	51.91
	Fidelity Bank of Florida Merritt Island	3.16	2.73	322,742	25.07	13.23
	Golden Prague Federal Savings and Loan Baltimore	3.16	0.29	31,505	37.07	128.02
99	Security State Bank Centralia, Wash.	3.15	2.37	344,333	30.53	48.95
100	Riverside Bank Sparkman, Ark.	3.14	3.02	51,426	43.03	50.06
	Alamerica Bank Birmingham	3.14	2.68	60,156	20.84	37.69
102	State Bank of Wheaton Minn.	3.13	2.76	59,599	14.24	44.93
103	First National Bank USA Boutte, La.	3.12	1.51	189,552	30.16	52.07
104	First State Bank of Healy Kan.	3.11	2.45	42,308	12.97	35.69
105	TransCapital Bank Hallandale Beach, Fla.	3.10	3.98	230,260	26.92	22.98
106	Peoples Bank and Trust Co. Owenton, Ky.	3.08	2.67	54,580	20.54	50.68
	Bank of Bearden Ark.	3.08	2.81	34,145	19.11	34.95
108	Lakes State Bank Pequot Lakes, Minn.	3.07	2.73	86,040	27.28	50.20
	Preston National Bank of Dallas	3.07	2.84	54,127	24.39	59.43
	Chambers State Bank Neb.	3.07	2.93	26,464	10.21	37.53
111	First Bank Wadley, Ala.	3.05	1.64	59,208	40.45	41.42
	Elysian Bank Minn.	3.05	3.42	32,338	31.57	40.42
113	Security Bank of Southwest Missouri Cassville	3.04	3.53	63,388	34.83	48.00
114	Randall State Bank Minn.	3.03	3.10	37,017	31.35	38.45
	Farmers and Merchants Bank of Hill City Kan.	3.03	2.25	34,630	25.56	44.22
	First National Bank of Fairfax Minn.	3.03	2.94	24,656	8.76	48.45
117	Sound Community Bank Seattle	3.02	0.49	206,411	42.92	47.90
118	First State Bank Scottsbluff, Neb.	3.01	2.81	191,805	34.80	41.56
	Security Pacific Bank Los Angeles	3.01	2.80	585,160	30.07	38.09
	First National Bank of Olney Tex.	3.01	2.80	50,956	28.33	39.47
	Pinnacle Bank Elberton, Ga.	3.01	2.70	398,154	24.25	46.41
122	Fife Commercial Bank Fife, Wash.	3.00	2.78	81,802	36.91	49.84
	Bank Oberlin, Kan.	3.00	2.95	145,727	30.26	34.78
124	High Desert State Bank Albuquerque	2.99	1.32	83,211	31.63	41.77
	First National Bank of Borger Tex.	2.99	2.31	39,856	28.23	51.01
	Bank of Holly Springs Miss.	2.99	1.79	149,139	25.88	51.39
	Peoples Bank Mount Washington, Ky.	2.99	2.02	88,066	25.39	54.06
128	Peak National Bank Nederland, Colo.	2.97	2.01	221,488	36.12	53.22
129	Peoples Bank and Trust Co. Troy, Mo.	2.96	1.21	355,146	38.92	46.62
130	First Bank of Owasso Okla.	2.95	2.34	171,356	34.63	50.47
	Alliance Bank New Ulm, Minn.	2.95	2.96	407,179	25.35	44.88
	State Bank of Lincoln Ill.	2.95	3.03	173,928	21.76	49.25
133	Bank of Steinauer Neb.	2.94	2.05	8,154	30.46	40.18
	Chambers Bank Danville, Ark.	2.94	2.71	486,907	22.66	39.35
135	Bank/First Citizens Bank Cleveland, Tenn.	2.93	2.63	472,100	37.06	40.74
	Bank of Lincolnwood Ill.	2.93	2.44	223,126	35.36	50.81
	First National Bank Northwest Florida Panama City	2.93	2.01	128,562	20.89	52.30
	First National Bank of Le Roy Kan.	2.93	2.63	22,794	13.18	42.52
139	Community Bank Missoula Mont.	2.92	3.03	78,335	32.59	49.82
	Roxbury Bank Kan.	2.92	2.04	13,502	27.13	54.67
	Drayton State Bank N.D.	2.92	2.69	39,463	26.25	39.45
	Citizens State Bank of Taylor County Reynolds, Ga.	2.92	2.86	47,195	20.81	47.30
143	Live Oak State Bank Dallas	2.91	2.28	94,428	31.67	45.71
	Montana State Bank Plentywood	2.91	2.30	48,185	30.70	44.89
	Farmers State Bank of Hamel Minn.	2.91	1.23	66,460	20.05	73.08
146	Bank of Washington Mo.	2.90	2.41	509,353	22.33	43.94
	First National Bank of Howard Kan.	2.90	2.60	7,042	16.00	49.57
	California Pacific Bank San Francisco	2.90	2.40	92,848	15.18	33.79
149	Spivey State Bank Swainsboro, Ga.	2.89	2.32	102,686	29.00	46.93
	Home State Bank Louisville, Neb.	2.89	2.69	73,378	28.10	39.25

Note: Independent banks and thrifts 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)