Community Banks and Thrifts with Highest Return on Average Assets

View Table
Printer Friendly Version
Community Banks and Thrifts with Highest Return on Average Assets

Community Banks and Thrifts with Highest Return on Average AssetsIn the third quarter of 2007. Dollars in thousands.
Published February 21, 2008

Related Table: Leaders in ROA Improvement and in Efficiency
Rank   Return on avg. assets Assets Return on avg. equity Efficiency ratio
3Q 2007 Year earlier
1 Union FSB North Providence, R.I. 17.89% -0.80% $272,933 117.35% 68.32%
2 International City Bank Long Beach, Calif. 12.94 1.59 221,914 95.78 16.50
3 mBank Manistique, Mich. 8.25 1.15 400,517 91.30 70.42
4 First Bank of Delaware Wilmington 7.58 3.14 123,561 32.27 44.17
5 State Bank of Texas Irving 6.03 6.35 403,302 41.35 16.38
6 Bank of Paxton Neb. 5.74 -14.56 17,879 44.50 56.02
7 Greater Atlantic Bank Reston, Va. 5.52 -1.03 246,451 82.62 35.05
8 Johnson City Bank Tex. 5.44 2.54 67,473 41.31 52.83
9 Wilcox County State Bank Abbeville, Ga. 5.43 -2.18 42,494 56.56 95.67
10 State Bank of Wheaton Minn. 5.38 2.96 60,506 23.36 33.86
11 First Credit Bank Los Angeles 5.10 4.40 299,217 17.25 13.62
12 Peoples State Bank Cherryvale, Kan. 5.06 4.76 14,208 18.11 47.25
13 Patriot Bank Minnesota Wyoming, Minn. 5.05 -3.85 127,356 38.56 64.19
14 Brighton Bank Salt Lake City 4.63 5.10 163,418 38.90 44.81
15 PrinsBank Prinsburg, Minn. 4.52 3.81 49,463 35.04 43.90
16 Silver Lake Bank Topeka, Kan. 4.41 1.32 197,241 41.71 24.01
17 Bank of Baker Mont. 4.29 3.67 65,796 45.56 29.53
18 Pueblo Bank and Trust Co. Colo. 4.20 4.12 371,016 33.93 43.80
19 Yellowstone Bank Laurel, Mont. 4.14 4.14 408,728 26.99 32.11
20 Blue Ridge Savings Bank Inc. Asheville, N.C. 4.03 4.15 307,493 40.81 24.42
21 Continental Bank Salt Lake City 4.01 3.51 77,686 29.25 38.01
22 First National Bank of Howard Kan. 3.94 3.20 7,512 18.59 45.83
23 First Capital Bank Guthrie, Okla. 3.81 -2.13 107,300 44.50 51.87
24 First National Bank of Picayune Miss. 3.78 3.83 233,079 47.19 37.00
25 Columbian Bank and Trust Co. Topeka, Kan. 3.76 3.67 639,489 48.73 24.26
26 Grand Timber Bank McGregor, Minn. 3.71 2.16 53,324 39.71 34.37
27 Citizens State Bank Grainfield, Kan. 3.70 3.05 9,044 36.80 40.14
28 Falfurrias State Bank Tex. 3.69 2.33 16,798 29.09 57.79
29 First Bank and Trust Co. Wagoner, Okla. 3.63 3.89 169,836 38.91 33.70
30 Farmers and Merchants Bank of Kendall Wis. 3.59 2.64 47,352 41.74 34.02
31 National Bank of Andrews Tex. 3.57 2.79 83,183 39.58 56.70
32 Merchants and Farmers Bank Comer, Ga. 3.56 3.30 143,349 28.42 48.30
America West Bank Layton, Utah 3.56 4.03 229,466 42.28 39.97
34 Bank of St. Edward Neb. 3.50 4.97 39,471 14.63 19.77
35 Colfax Banking Co. La. 3.39 0.92 64,837 39.53 50.52
36 Citizens National Bank Wisner, Neb. 3.38 4.28 108,584 35.31 44.27
37 Gunnison Valley Bank Utah 3.37 3.51 73,966 31.04 29.10
38 Preston National Bank Dallas 3.36 3.15 56,649 21.41 60.02
39 Bank of the West Irving, Tex. 3.34 1.05 227,778 40.55 51.61
40 Moorhead State Bank Iowa 3.33 3.62 15,559 14.81 29.84
41 Farmers State Bank Stanberry, Mo. 3.32 0.82 46,073 19.15 40.84
42 Texas Bank Brownwood 3.31 3.29 217,610 33.73 53.17
43 Seattle Savings Bank 3.30 3.03 550,650 12.63 55.74
44 Lindell Bank and Trust Co. St. Louis 3.29 3.51 300,097 16.52 35.76
45 Vermillion State Bank Minn. 3.28 3.83 381,153 28.38 26.63
46 Bank of the Southwest Roswell, N.M. 3.27 3.75 140,233 37.21 58.25
Peoples Community Bank Greenville, Mo. 3.27 3.04 86,405 22.55 44.34
Utah Community Bank Sandy 3.27 4.09 74,904 22.14 30.79
49 State Bank of Countryside Ill. 3.25 3.67 968,367 31.12 32.93
50 First State Bank Armour, S.D. 3.22 2.74 71,995 32.50 48.32
51 EastBank Minneapolis 3.21 -0.97 20,835 22.92 77.35
52 St. Martin Bank and Trust Co. St. Martinville, La. 3.20 2.73 202,299 32.75 48.00
Spring Valley Bank Wyoming, Ohio 3.20 4.64 69,484 10.30 45.15
54 Bank of Dooly Vienna, Ga. 3.19 2.29 81,500 16.24 42.03
Home State Bank Royal, Iowa 3.19 3.03 35,904 10.92 25.89
First National Bank of Estes Park Colo. 3.19 2.01 91,177 26.74 49.77
57 Peotone Bank and Trust Co. Ill. 3.18 2.81 136,267 35.22 48.83
58 Farmers-Merchants Bank and Trust Co. Breaux Bridge, La. 3.17 2.82 211,310 33.00 45.61
First Madison Valley Bank Ennis, Mont. 3.17 2.07 87,684 41.07 50.93
Riverbend Bank Fort Worth 3.17 2.97 40,637 25.14 64.32
61 Commercial Capital Bank Delhi, La. 3.16 3.68 32,624 25.37 52.50
62 Wells Bank of Platte City Mo. 3.15 1.50 53,728 32.50 50.59
63 First State Bank of Beecher City Ill. 3.14 3.21 41,072 17.90 44.13
Vermont State Bank Vermont, Ill. 3.14 3.46 12,273 30.84 42.42
65 Mason National Bank Tex. 3.13 2.96 73,293 19.46 39.80
66 Security State Bank Centralia, Wash. 3.12 2.88 377,084 27.20 47.18
Peoples State Bank Blair, Okla. 3.12 2.52 13,343 26.58 59.77
68 American Bank Bozeman, Mont. 3.11 3.45 479,242 34.01 45.88
American State Bank of Grygla Minn. 3.11 2.54 19,703 31.78 52.45
Howard Bank Ellicott City, Md. 3.11 0.01 179,057 24.47 117.35
71 First Security Bank of Roundup Mont. 3.09 2.81 39,235 26.28 50.00
First Bank of Owasso Okla. 3.09 2.98 194,669 32.72 49.30
73 Citizens National Bank at Brownwood Tex. 3.08 3.29 166,550 26.18 44.07
74 Plains State Bank Tex. 3.06 2.87 20,366 21.31 47.27
Justin State Bank Tex. 3.06 3.19 66,203 26.61 53.53
76 Bank of Las Vegas 3.04 2.83 163,220 38.20 44.08
Farmers State Bank Ewing, Neb. 3.04% 2.91% 14,503 11.29% 35.42%
National Republic Bank of Chicago 3.04 3.43 809,215 32.78 23.28
79 Central Bank Provo, Utah 3.01 3.08 592,599 17.04 39.69
80 State Bank of Scotia Neb. 3.00 1.73 23,239 11.57 43.59
Summit National Bank Hulett, Wyo. 3.00 0.87 28,288 44.42 -3.82
First American Bank Stonewall, Okla. 3.00 2.38 19,648 28.14 56.30
83 Douglas National Bank Ga. 2.99 2.82 142,650 28.12 46.95
First National Bank Fabens, Tex. 2.99 3.56 237,656 36.63 46.61
85 First Bank of Okarche Okla. 2.98 3.21 47,544 16.85 42.14
Clackamas County Bank Sandy, Ore. 2.98 2.92 161,684 18.12 57.60
87 Bank of the Rio Grande Las Cruces, N.M. 2.97 3.15 106,852 28.08 58.44
First National Bank Layton, Utah 2.97 3.03 296,166 28.89 49.24
89 Bank of St. Croix Christiansted, Virgin Islands 2.96 3.09 96,472 37.25 43.35
90 Senath State Bank Mo. 2.94 3.46 46,592 17.27 50.59
91 Pioneer Bank Mapleton, Minn. 2.93 2.94 239,154 27.43 41.17
First Bank and Trust Co. Duncan, Okla. 2.93 2.14 327,745 23.11 50.83
Bryant State Bank S.D. 2.93 2.95 18,153 22.93 60.96
94 Central National Bank of Poteau Okla. 2.92 2.91 167,157 33.78 48.73
First Western FSB Rapid City, S.D. 2.92 2.64 24,303 15.49 53.94
96 Heritage Bank Wood River, Neb. 2.91 2.89 422,244 31.53 37.69
Western Commerce Bank Carlsbad, N.M. 2.91 2.82 270,208 26.28 49.16
TransCapital Bank Hallandale Beach, Fla. 2.91 3.60 247,857 22.59 23.24
99 Bank of Commerce Idaho Falls 2.90 2.83 722,139 18.41 24.72
First Guaranty Bank Martin, Ky. 2.90 3.31 52,723 18.33 39.88
101 Centera Bank Sublette, Kan. 2.89 1.30 173,268 35.26 45.80
Town and Country Bank of Quincy Ill. 2.89 2.34 106,038 30.67 37.35
Flathead Bank of Bigfork Mont. 2.89 2.85 238,553 25.60 50.42
104 Bank Oberlin, Kan. 2.88 2.81 151,636 28.07 39.45
Armstrong Bank Muskogee, Okla. 2.88 2.06 426,985 29.21 57.41
Iowa State Bank Des Moines 2.88 1.77 272,600 27.43 45.67
107 First Bank of Chandler Okla. 2.87 2.85 65,840 30.27 43.51
Farmers Trust and Savings Bank Williamsburg, Iowa 2.87 2.53 96,893 16.17 39.45
Roxbury Bank Kan. 2.87 3.44 15,560 25.67 47.97
1st Bank and Trust Broken Bow, Okla. 2.87 2.71 106,236 29.79 47.49
Bank of Mauston Wis. 2.87 2.66 212,106 28.87 44.07
California Pacific Bank San Francisco 2.87 2.70 90,003 12.94 30.96
113 Pioneer Trust Bank Salem, Ore. 2.86 2.72 249,337 22.33 32.63
MontroseBank Montrose, Colo. 2.86 2.59 179,279 32.11 50.90
Town and Country Bank Midwest La Belle, Mo. 2.86 2.11 21,273 31.79 42.80
116 First National Bank and Trust Co. of Okmulgee Okla. 2.85 2.75 194,423 23.31 54.00
Prior Lake State Bank Minn. 2.85 3.48 172,675 22.73 49.30
Alamosa State Bank Colo. 2.85 2.97 124,297 30.47 46.02
Grant County State Bank Carson, N.D. 2.85 3.23 22,599 23.41 45.94
Almena State Bank Kan. 2.85 1.72 14,594 39.20 65.70
121 Peoples Bank Taylorsville, Ky. 2.84 2.56 94,755 26.49 45.37
Security Bank of Southwest Missouri Cassville 2.84 3.12 65,048 31.62 51.09
123 Great Lakes Bankers Bank Gahanna, Ohio 2.82 0.15 43,120 30.66 54.88
Elysian Bank Minn. 2.82 3.54 32,889 28.16 43.54
First Resource Bank Exton, Pa. 2.82 -0.34 88,702 27.17 83.72
126 Rio Bank McAllen, Tex. 2.81 0.93 142,958 38.59 51.49
Lakeside Bank of Salina Okla. 2.81 2.81 25,705 25.02 43.79
128 Chambers Bank Danville, Ark. 2.80 2.76 467,882 19.34 37.14
Bank of Alma Wis. 2.80 3.07 185,544 9.54 14.95
Peoples Bank of Greensboro Ala. 2.80 2.60 69,550 24.62 39.58
State Bank of Townsend Mont. 2.80 3.64 39,236 26.41 56.98
132 Deposit Bank of Carlisle Ky. 2.79 3.06 64,083 11.65 38.11
Commerce National Bank Corinth, Miss. 2.79 2.58 80,536 26.58 45.68
134 Stanley Bank Kan. 2.78 2.97 128,961 13.95 47.93
State Bank of Niantic Ill. 2.78 3.10 51,246 16.41 45.57
136 Peshtigo National Bank Wis. 2.77 0.98 134,783 38.01 46.31
Guaranty Bank and Trust Co. of Delhi La. 2.77 2.73 102,040 27.11 51.15
United Bank Zebulon, Ga. 2.77 1.70 634,333 29.52 56.13
Scribner Bank Neb. 2.77 2.05 47,689 24.53 59.89
Security State Bank of Aitkin Minn. 2.77 3.13 86,776 23.32 49.17
First National Bank of Moody Tex. 2.77 2.37 36,304 13.91 47.46
142 Peoples Bank and Trust Co. Owenton, Ky. 2.76 2.75 61,847 16.98 52.00
143 State Bank of Ceylon Minn. 2.74 0.69 9,221 21.76 40.91
144 Peoples State Bank Summit, S.D. 2.73 2.17 42,834 31.06 41.83
145 Rolette State Bank N.D. 2.72 1.60 31,487 26.01 57.52
Community Bank Longview, Tex. 2.72 2.64 84,144 38.82 60.59
Louisville Community Development Bank Ky. 2.72 6.33 33,263 17.38 62.97
Douglas County Bank Douglasville, Ga. 2.72 3.38 405,400 30.79 38.35
149 Grundy Bank Morris, Ill. 2.71 2.89 211,391 25.40 54.89
Bank of Hydro Okla. 2.71 2.96 81,810 28.68 41.42
Durden Banking Co. Inc. Twin City, Ga. 2.71 2.41 157,598 28.61 47.09
Fort Davis State Bank Tex. 2.71 2.62 57,978 25.95 64.76

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.

© 2008 American Banker