Community Banks and Thrifts with Highest Return on Average Assets

April 26, 2007, 10:08 a.m. EDT 1 Min Read

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Community Banks and Thrifts with Highest Return on Average Assets
In the fourth quarter of 2006. Dollars in thousands Published April 26, 2007
Related Table: Leaders in ROA Improvement and Efficiency
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		4Q 2006	Year earlier	Assets	Return on avg. equity	Efficiency ratio
1	First National Bank of Grant Park Ill.	21.32%	0.78%	$112,069	163.50%	79.27%
2	Independent Bankers Bank of Florida Lake Mary	7.56	0.84	373,050	82.78	22.56
3	Flagship Bank Minnesota Wayzata	6.70	1.23	106,033	64.27	37.70
4	First Southern Bank Florence, Ala.	6.24	1.02	103,608	61.34	72.94
5	Broadway Bank Chicago	6.10	5.43	946,818	53.58	14.24
6	Eastern Savings Bank FSB Hunt Valley, Md.	6.04	6.79	980,325	42.59	34.51
7	First Savanna Savings Bank Savanna, Ill.	5.61	0.07	11,436	32.76	117.11
8	State Bank of Texas Irving	5.54	6.64	303,829	39.77	25.40
9	Farmers State Bank Marion, S.D.	5.52	0.37	93,179	72.12	65.85
10	La Plata State Bank Kirksville, Mo.	5.39	0.82	77,957	40.98	-56.14
11	Spring Valley Bank Wyoming, Ohio	5.38	4.45	64,519	17.47	19.60
12	Grand Bank of Texas Grand Prairie	5.26	1.62	98,874	70.90	46.54
13	Union Bank and Trust Co. Monticello, Ark.	5.07	-3.26	175,479	65.80	88.93
14	Brighton Bank Salt Lake City	5.02	4.40	166,441	44.77	42.15
	First Credit Bank Los Angeles	5.02	5.02	315,228	20.16	11.98
16	Haviland State Bank Kan.	4.89	0.93	21,593	43.00	54.01
17	Pacific West Bank West Linn, Ore.	4.86	-2.59	26,409	18.01	61.56
18	CedarStone Bank Lebanon, Tenn.	4.78	-0.05	91,157	59.56	85.87
19	First Federal Savings and Loan Association of Olathe Kan.	4.66	1.93	51,538	25.57	38.63
20	Peoples State Bank Cherryvale, Kan.	4.63	3.89	14,895	17.89	42.23
21	Custodial Trust Co. Princeton, N.J.	4.36	3.68	943,816	14.21	25.45
22	Pueblo Bank and Trust Co. Colo.	4.23	4.89	360,483	36.03	48.16
23	Columbian Bank and Trust Co. Topeka, Kan.	4.08	2.80	528,816	47.10	26.24
	Produce State Bank Hollandale, Minn.	4.08	3.58	31,164	29.02	31.03
25	Santa Cruz County Bank Calif.	4.00	0.41	132,485	29.76	72.32
	Texas Bank Brownwood	4.00	2.92	208,680	40.58	47.64
27	Continental Bank Salt Lake City	3.98	1.85	73,186	29.68	30.56
28	Buffalo Savings Bank Iowa	3.92	1.24	40,102	35.76	69.97
	BankFirst Sioux Falls, S.D.	3.90	2.94	618,354	30.64	62.52
30	Landmark Community Bank Pittston, Pa.	3.85	-1.09	129,703	41.62	93.31
	Seattle Savings Bank	3.85	2.37	609,651	42.39	65.01
32	Grand Timber Bank McGregor, Minn.	3.84	3.18	50,009	42.90	38.82
33	Commerce Bank Geneva, Minn.	3.81	3.35	143,360	26.90	30.34
34	Bankwest of Kansas Goodland	3.74	0.35	87,168	29.59	72.97
35	Basile State Bank La.	3.73	1.45	40,415	36.42	49.29
	Equity Bank Dallas	3.73	-0.08	146,449	42.66	32.38
37	Blue Ridge Savings Bank Inc. Asheville, N.C.	3.62	3.42	298,938	38.47	25.89
38	Prior Lake State Bank Minn.	3.59	3.05	162,621	28.66	40.35
39	Unity Bank Rush City, Minn.	3.58	1.28	149,392	52.30	70.62
40	North Country Bank McClusky, N.D.	3.57	0.88	47,358	40.82	65.89
41	First National Bank of Le Roy Kan.	3.52	1.37	22,686	15.41	56.93
42	First National Bank of Howard Kan.	3.47	2.58	7,410	20.96	46.94
43	Franklin County United Bank Decherd, Tenn.	3.44	-0.59	58,252	22.79	66.92
44	Bryant State Bank S.D.	3.43	-0.74	19,454	26.97	80.75
45	Randall State Bank Minn.	3.42	3.08	35,704	31.05	36.05
46	Croydon Savings Bank Pa.	3.40	0.28	10,511	32.28	60.76
47	First National Bank Layton, Utah	3.39	2.89	315,340	34.61	46.05
48	Vermillion State Bank Minn.	3.34	3.66	354,099	28.39	26.64
49	Security Bank Pawnee, Okla.	3.30	3.34	321,099	26.94	21.92
	TransCapital Bank Hallandale Beach, Fla.	3.30	3.32	250,942	27.44	23.69
51	Red Mountain Bank Birmingham, Ala.	3.29	-0.96	180,354	35.47	80.02
52	FirsTier Bank Kimball, Neb.	3.28	2.42	193,616	28.06	48.66
53	Merchants and Farmers Bank Comer, Ga.	3.25	3.17	136,176	28.13	48.88
54	Alamerica Bank Birmingham, Ala.	3.24	2.28	53,941	17.82	44.10
	First Western Federal Savings Bank Rapid City, S.D.	3.24	4.06	25,580	18.28	50.12
56	Bank of Lincolnwood Ill.	3.23	2.61	237,702	38.64	46.60
57	First Guaranty Bank Martin, Ky.	3.21	2.85	56,559	23.37	32.49
58	First National Bank of Liverpool Pa.	3.20	1.81	36,885	25.05	49.17
59	First State Bank of Joplin Mo.	3.18	2.48	138,635	33.14	62.06
	State Bank of Wheaton Minn.	3.18	2.85	63,197	14.48	39.10
61	Citizens State Bank Grainfield, Kan.	3.16	1.10	8,482	31.60	51.01
62	First Bank of Owasso Okla.	3.15	2.95	184,443	34.83	48.39
63	America West Bank Layton, Utah	3.14	2.93	185,435	38.21	9.03
	Centennial Bank Ogden, Utah	3.14	2.21	196,954	30.42	53.48
	Flathead Bank of Bigfork Mont.	3.14	2.41	227,638	29.15	44.27
66	Northern Hancock Bank and Trust Co. Newell, W.Va.	3.13	2.65	26,017	27.27	58.82
67	Western Commerce Bank Carlsbad, N.M.	3.12	2.61	260,987	26.10	50.68
68	First Bank and Trust Co. Wagoner, Okla.	3.11	2.43	167,635	31.25	42.31
	Lakeside Bank of Salina Okla.	3.11	2.86	23,924	28.12	43.30
70	Bank of Wrightsville Ga.	3.10	2.88	70,743	23.85	46.53
	First Farmers and Merchants Luverne, Minn.	3.10	2.89	116,013	25.57	52.95
	First National Bank Northwest Florida Panama City	3.10	2.88	124,784	19.99	43.93
	North Valley Bank Thornton, Colo.	3.10	2.40	115,828	37.65	53.25
	Prime Alliance Bank Woods Cross, Utah	3.10	-1.92	112,440	16.76	46.43
75	Chesapeake Bank and Trust Co. Chestertown, Md.	3.09	2.71	90,288	29.66	41.45
76	Drummond Community Bank Chiefland, Fla.	3.08	3.42	162,438	22.44	50.41
77	Central Bank of Kansas City Mo.	3.07	1.99	144,073	25.39	53.79
78	Citizens City and County Bank Trenton, Tenn.	3.06	0.68	30,466	21.76	73.24
79	First National Bank of Lindsay Okla.	3.05	-6.21	25,696	43.71	168.31
80	Preston National Bank of Dallas	3.04	3.09	58,593	26.22	59.57
81	Citizens National Bank at Brownwood Tex.	3.03	2.49	164,266	26.49	44.40
	Peoples Community Bank Greenville, Mo.	3.03	3.12	81,759	20.58	49.35
83	Chambers Bank Danville, Ark.	3.02	2.32	496,523	23.06	40.52
	First Bank of Delaware Wilmington	3.02	1.80	123,787	14.54	57.88
85	Farmers State Bank Hosmer, S.D.	3.01	2.97	14,267	14.09	51.95
86	Midtown Bank and Trust Co. Atlanta	3.00	0.21	158,015	21.76	58.63
87	Farnam Bank Farnam, Neb.	2.99	0.83	21,889	26.64	46.91
	First National Bank of Davis Okla.	2.99	1.41	62,849	37.14	41.25
	National Bank of Andrews Tex.	2.99	2.80	83,368	33.99	59.79
	Security State Bank of Aitkin Minn.	2.99	2.87	89,561	25.49	47.82
91	Bank of the Rio Grande Las Cruces, N.M.	2.98	2.00	111,119	29.98	60.12
92	Douglas County Bank Douglasville, Ga.	2.97	2.55	400,345	36.96	37.82
93	Community Bank of Texas, NA Grand Prairie, Tex.	2.96	0.84	53,537	24.60	68.24
94	Meetinghouse Co-operative Bank Dorchester, Mass.	2.95	0.23	47,705	35.26	114.49
	Peak National Bank Nederland, Colo.	2.95	2.17	207,613	30.81	53.71
	Sterling Bank Lantana, Fla.	2.95	2.78	372,230	33.42	41.17
97	Farmers Bank Ault, Colo.	2.92	3.26	146,475	27.84	36.80
	Peoples Exchange Bank of Monroe County Beatrice, Ala.	2.92	-0.17	59,645	25.47	66.11
99	Heritage Community Bank Glenwood, Ill.	2.91	3.17	314,405	32.34	43.67
100	Bank of Commerce Chouteau, Okla.	2.89	3.26	32,977	30.48	58.00
	First National Bank of Picayune Miss.	2.89	2.69	227,618	37.93	48.84
	Live Oak State Bank Dallas	2.89	2.72	104,815	32.51	43.51
	National Republic Bank of Chicago	2.89	3.31	642,345	25.94	38.36
	State Bank of Ledyard Ledyard, Iowa	2.89	2.23	26,759	17.24	53.44
105	Bank of Baker Mont.	2.88	2.28	67,739	32.67	44.55
	Bank of Dade Trenton, Ga.	2.88	2.92	76,007	43.25	48.79
	First National Bank and Trust Co. Weatherford, Okla.	2.88	1.08	86,878	16.37	52.37
108	Clackamas County Bank Sandy, Ore.	2.87	2.86	155,005	16.87	59.26
	Yellowstone Bank Laurel, Mont.	2.87	2.30	383,912	17.04	51.02
110	First National Bank Fabens, Tex.	2.86	2.32	220,568	35.46	51.43
	Home State Bank Louisville, Neb.	2.86	3.03	72,392	27.79	37.63
112	Pioneer Trust Bank Salem, Ore.	2.85	2.96	237,923	20.65	35.03
	Security Bank of Southwest Missouri Cassville	2.85	3.31	65,460	31.45	48.22
114	Bank of Choice Colorado Arvada	2.84	-0.91	476,559	24.15	56.00
	Bank of Washington Washington, Mo.	2.84	2.93	556,939	21.64	42.97
	Central Bank Provo, Utah	2.84	2.25	550,589	17.14	42.51
	FirstCity Bank Stockbridge, Ga.	2.84	0.34	205,844	34.14	48.28
	Lakeside State Bank Oologah, Okla.	2.84	0.27	47,133	35.10	79.55
	Lusk State Bank Lusk, Wyo.	2.84	2.40	33,927	33.81	50.00
	Peoples State Bank Blair, Okla.	2.84	1.69	13,294	25.34	62.40
121	Drayton State Bank N.D.	2.83	2.36	41,479	25.86	42.00
122	First Bank of Upper Michigan Gladstone	2.82	2.67	153,192	22.33	47.92
	Stockmans Bank Elk Grove, Calif.	2.82	3.06	369,440	22.20	38.83
124	Bank of Hydro Okla.	2.81	1.84	79,709	28.84	43.14
	Pinnacle Bank Elberton, Ga.	2.81	2.77	413,715	22.21	50.96
126	NexBank Dallas	2.80	2.11	270,553	18.81	51.14
127	Commonwealth Business Bank Los Angeles	2.79	-1.50	203,755	14.23	71.21
	First Bank and Trust Co. of Illinois Palatine	2.79	4.34	483,565	16.41	-24.65
129	American Alliance Bank Lake City, Minn.	2.78	2.75	166,065	20.10	45.99
	Brush Country Bank Freer, Tex.	2.78	2.64	35,416	30.98	52.25
131	Bank Oberlin, Kan.	2.77	2.71	148,084	28.01	39.21
	Lakeside Bank Chicago	2.77	3.31	846,860	20.51	34.31
	PrimeSouth Bank Tallassee	2.77	1.71	139,801	29.80	38.06
	State Bank of Bartley Neb.	2.77	2.79	22,895	24.17	36.19
135	Barnes Banking Co. Kaysville, Utah	2.76	1.96	787,082	20.74	37.29
	California Pacific Bank San Francisco	2.76	3.31	92,031	14.09	37.76
	Corydon State Bank Iowa	2.76	2.64	56,938	20.00	24.87
138	American Bank Bozeman, Mont.	2.75	2.70	464,717	29.67	51.80
	Bank of Hemet Riverside, Calif.	2.75	2.78	394,203	31.07	46.20
	First National Bank USA Boutte, La.	2.75	0.05	222,511	28.01	55.55
141	Fife Commercial Bank Wash.	2.74	2.29	87,409	33.70	53.34
	MontroseBank Colo.	2.74	2.58	164,749	31.70	51.20
143	Charter Bank Corpus Christi, Tex.	2.73	3.85	132,282	47.37	50.47
144	Eitzen State Bank Minn.	2.73	2.28	47,630	28.71	42.75
145	First State Bank Scottsbluff, Neb.	2.72	3.15	203,205	32.30	40.65
	Peoples State Bank De Smet, S.D.	2.72	2.49	59,128	16.99	42.25
147	First National Bank of New Holland Ohio	2.70	-8.68	25,693	24.41	75.86
	Utah Community Bank Sandy	2.70	2.72	71,152	19.70	44.81
149	First National Bank of Hughes Springs Tex.	2.69	2.38	148,442	24.10	46.05
	Philadelphia Trust Co.	2.69	3.42	28,128	6.52	84.09
	Western Springs National Bank and Trust Ill.	2.69	2.48	203,159	30.14	43.33

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 were less than half of assets or whose credit card loans exceeded 25% of gross loans. Negative efficiency ratios reflect declines in full-year noninterest expenses from those reported through nine months.

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