Community Banks and Thrifts with Highest Return on Average Assets

December 26, 2007, 10:08 a.m. EST 1 Min Read

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Community Banks and Thrifts with Highest Return on Average AssetsIn the second quarter of 2007. Dollars in thousands Published December 26, 2007
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		2Q 2007	Year earlier	Assets	Return on avg. equity	Efficiency ratio
1	Seattle Savings Bank	56.87%	4.22%	$895,286	359.23%	11.11%
2	Lone Star State Bank Lone Star, Tex.	20.70	1.89	26,550	181.95	15.77
3	NorthEast Community Bank White Plains, N.Y.	15.28	0.52	291,974	58.10	12.19
4	Conestoga Bank Chester Springs, Pa.	10.36	0.29	637,605	103.68	NM
5	Bank of St. Edward Neb.	7.66	5.88	38,775	32.60	14.05
6	First National Bank of Monahans Tex.	7.51	2.00	251,938	103.58	30.30
7	State Bank of Texas Irving	6.55	5.20	339,830	41.50	19.16
8	Marshall Bank Hallock, Minn.	6.38	1.64	76,137	46.07	48.23
9	Eastern Savings Bank Hunt Valley, Md.	5.99	6.57	991,558	42.03	34.53
10	Town and Country Bank of Springfield Ill.	5.69	1.12	245,594	40.51	66.81
11	First Credit Bank Los Angeles	5.48	8.02	310,686	19.37	10.95
12	First Bank of Delaware Wilmington	5.17	2.00	139,056	26.55	48.74
	Spring Valley Bank Wyoming, Ohio	5.17	5.99	67,993	17.29	14.08
14	Brighton Bank Salt Lake City	4.69	4.60	162,627	40.36	42.53
15	Custodial Trust Co. Princeton, N.J.	4.68	5.99	850,757	15.81	20.74
16	Peoples State Bank Cherryvale, Kan.	4.44	5.68	14,581	17.63	48.81
17	Commercial Capital Bank Delhi, La.	4.40	4.06	31,464	35.56	46.39
18	Central Illinois Bank Champaign	4.39	1.58	428,159	34.06	60.36
19	Pueblo Bank and Trust Co. Colo.	4.17	5.18	369,616	35.96	45.43
20	Utah Community Bank Sandy	4.11	4.37	75,547	28.71	25.64
21	National Bank of Harvey N.D.	4.09	-3.37	57,888	37.71	43.37
22	Kentucky Farmers Bank Ashland, Ky.	4.07	1.68	126,151	17.53	58.81
23	Yellowstone Bank Laurel, Mont.	4.05	3.84	404,712	25.44	32.42
24	America West Bank Layton, Utah	4.04	3.65	218,213	45.45	34.52
25	Commerce Bank Geneva, Minn.	4.02	3.65	156,229	29.21	28.76
	First National Bank of Howard Kan.	4.02	2.90	7,049	19.04	47.89
	First Bank and Trust Co. of Illinois Palatine	4.02	6.03	498,500	24.12	30.19
28	Bank of Baker Mont.	3.97	3.47	69,054	43.32	29.41
29	Columbian Bank and Trust Co. Topeka, Kan.	3.95	3.32	600,876	49.80	23.17
30	Plains State Bank Tex.	3.93	2.07	21,293	29.65	44.01
31	Peoples Building Loan and Savings Co. Mason, Ohio	3.88	0.19	35,118	18.96	94.76
32	First National Bank Fort Pierre, S.D.	3.87	3.47	580,826	22.66	36.71
33	Justin State Bank Tex.	3.77	4.32	64,015	34.14	45.44
34	Blue Ridge Savings Bank Inc. Asheville, N.C.	3.73	4.24	297,720	38.91	28.78
35	Gateway Business Bank Cerritos, Calif.	3.71	1.38	214,126	22.95	71.65
36	Bank of Paxton Neb.	3.69	-10.66	18,037	30.70	70.73
	Moorhead State Bank Iowa	3.69	3.65	15,408	16.97	26.87
38	Continental Bank Salt Lake City	3.67	3.53	82,463	26.86	35.99
39	First National Bank of Picayune Miss.	3.62	3.36	224,435	44.52	39.89
40	First Bank and Trust Co. Wagoner, Okla.	3.60	3.77	163,324	37.87	34.21
41	New Century Bank Munden, Kan.	3.58	5.54	19,225	37.88	63.04
42	Bank Oberlin, Kan.	3.57	3.00	146,892	34.37	27.49
	Colonial Savings Fort Worth	3.57	1.64	914,782	26.13	69.00
44	First Savanna Savings Bank Ill.	3.56	0.24	11,266	20.77	116.05
45	Bank of the Rio Grande Las Cruces, N.M.	3.55	3.48	113,874	35.87	47.06
46	First National Bank of Fairfax Minn.	3.54	3.03	23,974	9.38	43.99
47	Texas Bank Brownwood	3.52	3.24	218,001	36.05	51.81
48	First National Bank Fabens, Tex.	3.48	3.76	224,974	41.07	39.47
49	Lindell Bank and Trust Co. St. Louis	3.45	3.37	291,935	17.32	34.74
50	Preston National Bank of Dallas	3.44	3.07	52,019	21.41	59.17
51	Vermillion State Bank Minn.	3.40	3.75	361,225	29.65	25.40
52	Peoples State Bank De Smet, S.D.	3.37	2.86	59,133	26.61	37.86
53	First Bank of Okarche Okla.	3.35	3.53	45,561	18.97	34.15
54	Security State Bank Centralia, Wash.	3.34	3.15	372,430	30.00	46.01
55	National Republic Bank of Chicago	3.33	4.00	752,140	34.55	24.81
56	Flathead Bank of Bigfork Mont.	3.32	2.50	228,976	28.80	43.32
57	Peoples Community Bank Greenville, Mo.	3.32	3.53	84,090	22.33	44.33
58	First Cherokee State Bank Woodstock, Ga.	3.30	2.37	319,439	32.41	49.69
	Western Bank of Artesia N.M.	3.30	2.87	127,606	32.92	38.63
60	Excel National Bank Beverly Hills	3.29	-1.40	83,283	31.20	88.31
61	Citizens National Bank at Brownwood Tex.	3.27	3.20	159,648	28.06	42.40
62	Gunnison Valley Bank Utah	3.26	3.23	69,078	29.24	30.05
63	Senath State Bank Mo.	3.25	2.79	45,028	19.95	46.29
64	Citizens National Bank of Texas Waxahachie	3.22	2.64	451,398	31.63	58.61
65	TransCapital Bank Hallandale Beach, Fla.	3.20	3.10	248,441	22.94	21.99
66	Bank of Dooly Vienna, Ga.	3.19	2.19	83,800	17.50	39.37
	Wyoming Bank and Trust Cheyenne	3.19	2.76	89,081	27.06	75.58
68	Bank of the Southwest Roswell	3.17	3.90	140,820	36.91	58.21
69	State Bank of Countryside Ill.	3.16	3.78	978,118	31.15	33.60
70	Prior Lake State Bank Minn.	3.12	3.71	161,716	25.16	43.91
71	Home State Bank Royal, Iowa	3.10	2.83	37,241	11.11	27.69
72	Citizens State Bank Grainfield, Kan.	3.07	2.68	9,512	27.49	53.28
73	State Bank of Kansas Fredonia	3.06	2.37	73,865	26.73	36.37
74	First National Bank Layton, Utah	3.03	3.61	314,402	29.71	49.58
	Pan American Bank Chicago	3.03	0.93	33,180	21.07	76.46
	Stanley Bank Kan.	3.03	2.86	133,221	14.90	45.07
77	St. Martin Bank and Trust Co. St. Martinville, La.	3.02	2.65	200,118	34.03	49.01
78	First National Bank of Estes Park Colo.	3.01	1.84	88,797	24.86	50.88
79	1st Bank Sidney, Mont.	3.00	2.45	94,338	21.46	40.15
	First Bank of Owasso Okla.	3.00	2.95	185,835	32.44	50.75
	Security Bank Pawnee, Okla.	3.00	3.20	335,866	27.52	24.88
	University National Bank of Lawrence Kan.	3.00	3.85	97,431	22.67	48.34
83	Merchants and Farmers Bank Comer, Ga.	2.99	3.27	140,563	24.66	53.29
	American Bank Bozeman, Mont.	2.99	2.71	485,555	33.55	44.07
	Douglas County Bank Douglasville, Ga.	2.99	3.26	411,641	35.32	37.08
86	Deposit Bank of Carlisle Ky.	2.97	2.88	62,440	12.29	36.13
	First Bank of Chandler Okla.	2.97	2.79	64,698	30.73	41.98
	First Guaranty Bank Martin, Ky.	2.97	3.35	53,595	19.39	39.14
89	Farmers State Bank Hosmer, S.D.	2.95	3.34	14,253	14.00	49.77
90	Nebraska State Bank Oshkosh	2.93	3.36	35,880	32.49	53.74
91	Randall State Bank Minn.	2.92	3.03	35,324	25.28	44.24
	Armstrong Bank Muskogee, Okla.	2.92	2.05	408,608	30.26	58.35
93	Grant County State Bank Carson, N.D.	2.91	3.27	23,533	25.23	43.29
	Heritage Community Bank Glenwood, Ill.	2.91	3.38	311,489	31.06	45.05
95	MontroseBank Montrose, Colo.	2.90	2.67	171,641	32.77	49.11
	First Western Federal Savings Bank Rapid City, S.D.	2.90	2.56	24,672	15.80	53.69
97	First National Bank of Gordon Neb.	2.88	1.73	105,779	22.94	44.06
	PrinsBank Prinsburg, Minn.	2.88	3.77	49,327	23.44	52.13
99	Alamosa State Bank Colo.	2.87	2.83	120,167	31.62	44.89
	Brush Country Bank Freer, Tex.	2.87	2.57	34,783	30.51	54.01
	Central Bank Provo, Utah	2.87	2.79	562,708	16.26	40.47
102	Central National Bank of Poteau Okla.	2.86	2.47	164,645	34.61	50.24
	Charter Bank Corpus Christi	2.86	2.48	137,733	49.52	54.78
	Drummond Community Bank Chiefland, Fla.	2.86	3.60	168,422	21.26	50.46
	First State Bank of Porter Okla.	2.86	2.41	35,122	24.20	59.94
	Interstate Bank Oak Forest, Ill.	2.86	4.26	193,399	28.05	53.32
	Roxbury Bank Kan.	2.86	2.92	15,386	26.11	47.20
108	First State Bank of Beecher City Ill.	2.85	2.50	41,468	16.56	43.88
	National Bank of Andrews Tex.	2.85	3.35	85,527	32.57	62.05
	Ruby Valley National Bank Twin Bridges, Mont.	2.85	3.31	62,299	24.14	50.05
111	Bank of Las Vegas N.M.	2.84	2.66	162,573	34.62	46.63
	Chambers State Bank Neb.	2.84	3.07	27,732	9.35	38.93
113	Guaranty Bank and Trust Co. of Delhi La.	2.83	2.43	94,409	27.01	54.60
	Bank of Lincolnwood Ill.	2.83	2.93	216,555	33.34	50.77
115	Bank of Alma Wis.	2.81	2.86	179,833	9.52	16.54
	Bank of Hydro Okla.	2.81	2.51	83,934	30.23	40.09
	Clackamas County Bank Sandy, Ore.	2.81	2.80	160,152	16.70	59.33
118	Bank of St. Croix Christiansted, Virgin Islands	2.80	3.01	104,309	32.02	46.28
	Douglas National Bank Ga.	2.80	2.62	135,923	26.81	47.60
	Farmers and Merchants Bank of Kendall Wis.	2.80	2.70	47,593	32.61	36.65
121	Farmers and Merchants State Bank of Cawker City Kan.	2.79	1.76	14,874	34.52	43.33
	Western Commerce Bank Carlsbad	2.79	2.64	269,394	25.41	51.76
123	Community Bank of Missoula Mont.	2.78	2.92	75,874	27.14	52.55
124	First Bank of Upper Michigan Gladstone	2.77	2.41	152,089	20.76	49.89
	Pioneer Trust Bank Salem, Ore.	2.77	2.73	241,052	22.24	34.05
	First Farmers and Merchants Luverne, Minn.	2.77	3.20	108,701	21.22	59.36
127	Bank of Commerce Idaho Falls	2.76	2.86	706,503	17.94	26.72
	Peoples Bank and Trust Co. Owenton, Ky.	2.76	3.08	56,234	17.39	52.10
	State Bank of Townsend Mont.	2.76	3.20	36,154	26.43	58.31
130	Farmers and Merchants Bank of Hill City Kan.	2.75	3.03	34,713	21.98	47.79
	Fife Commercial Bank Wash.	2.75	3.00	98,113	34.48	49.44
	First National Bank Camdenton, Mo.	2.75	1.64	251,345	16.38	45.21
	First Security Bank of Roundup Mont.	2.75	2.80	38,368	24.14	52.36
	State Bank of Riverdale Neb.	2.75	2.48	31,545	9.39	33.47
135	Bank of Steinauer Neb.	2.74	2.94	8,245	28.75	37.61
	First Citizens Bank of Butte Mont.	2.74	2.36	65,293	29.58	71.05
	Peoples State Bank Blair, Okla.	2.74	1.94	13,563	24.01	61.33
	Pony Express Bank Liberty, Mo.	2.74	2.52	139,485	23.39	42.77
	Surety Bank De Land, Fla.	2.74	2.62	101,748	25.35	33.51
140	High Plains Bank Flagler, Colo.	2.73	1.62	88,172	26.72	53.91
	Mercantile Bank of Louisiana Missouri	2.73	2.59	112,306	12.13	37.03
	Welcome State Bank Minn.	2.73	2.71	18,055	26.17	48.66
	First National Bank and Trust Co. Fort Walton Beach, Fla.	2.73	3.40	396,884	25.17	62.56
144	Grand Timber Bank McGregor, Minn.	2.71	3.36	51,833	28.68	51.14
	Hill-Dodge Banking Co. Warsaw, Ill.	2.71	2.44	31,864	29.89	39.67
	Home State Bank Louisville, Neb.	2.71	2.89	75,866	26.54	40.15
	First Federal Savings and Loan Association of Olathe Kan.	2.71	2.50	52,856	15.33	36.29
	Priority Bank Ozark, Ark.	2.71	1.86	45,915	39.04	61.37
149	Peak National Bank Nederland, Colo.	2.70	2.97	212,516	26.40	55.50
	Chambers Bank Danville, Ark.	2.70	2.94	473,051	19.41	37.51

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.

Source:

SNL Financial

, Charlottesville, Va.