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Community Banks and Thrifts with Highest Return on Average Assets

Published February 29, 2008, 10:08 a.m. EST
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Updated January 02, 1970, 9:08 a.m. EST
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Community Banks and Thrifts with Highest Return on Average Assets

Community Banks and Thrifts with Highest Return on Average AssetsIn the third quarter of 2005. Dollars in thousands.
Published February 29, 2008
Rank   Return on avg. assets Assets Return on avg. equity Efficiency ratio
3Q 2005 Year earlier
1 City Bank Lynnwood, Wash. 17.08% 3.03% $809,675 74.60% -81.96%
2 Eastern Savings Bank FSB Hunt Valley, Md. 9.24 8.48 778,802 56.40 30.76
3 Elysian Bank Minn. 8.97 4.20 33,822 84.37 16.69
4 NexBank SSB Dallas 8.60 -0.10 108,203 34.15 27.57
5 American Interstate Bank Elkhorn, Neb. 7.07 2.52 95,691 81.47 11.58
6 Philadelphia Trust Co. 6.48 4.74 30,459 17.69 63.42
7 Surety Bank Fort Worth 6.34 -6.16 50,595 52.56 56.88
8 Peoples State Bank Cherryvale, Kan. 6.25 4.54 15,774 29.32 31.84
9 Capital Pacific Bank Portland, Ore. 6.15 -4.56 65,225 30.74 84.27
10 First Bank and Trust Co. of Illinois Palatine 5.10 1.19 477,553 32.36 22.99
11 City National Bank Kilgore, Tex. 4.97 -0.03 154,356 49.31 35.96
12 Broadway Bank Chicago 4.92 4.74 676,701 45.87 12.58
13 First Credit Bank Los Angeles, Calif. 4.82 3.61 322,625 23.25 15.20
14 Spring Valley Bank Wyoming, Ohio 4.78 4.99 55,013 17.62 23.88
15 State Bank of Texas Irving, Tex. 4.40 4.24 212,543 30.84 24.71
16 Haverford Trust Co. Radnor, Pa. 4.36 4.07 131,662 33.87 74.51
17 National Republic Bank of Chicago 4.35 4.14 502,533 33.63 22.15
18 Yellowstone Bank Laurel, Mont. 4.04 3.59 324,094 24.73 31.87
19 Produce State Bank Hollandale, Minn. 4.03 1.49 27,939 30.03 42.51
20 First Coleman National Bank Tex. 4.02 3.16 66,231 47.11 35.90
21 Community South Bank Parsons, Tenn. 3.98 1.21 298,262 39.23 66.58
22 Pueblo Bank and Trust Co. Colo. 3.95 3.03 355,605 38.48 51.83
23 Pan American Bank Chicago 3.77 6.48 30,372 26.68 53.87
24 Hustisford State Bank Wis. 3.75 1.35 37,062 20.55 54.14
  Commerce Bank Geneva, Minn. 3.75 3.16 125,363 32.01 27.64
26 Custodial Trust Co. Princeton, N.J. 3.71 2.22 693,224 11.30 28.89
27 Gunnison Valley Bank Utah 3.70 3.02 54,404 29.88 29.98
28 State Bank of Countryside Ill. 3.66 3.09 977,166 39.71 25.61
29 Security Bank of Southwest Missouri Cassville 3.64 3.35 63,099 40.91 42.10
  Bank of St. Elizabeth Mo. 3.64 1.81 49,114 29.19 38.99
31 Vermillion State Bank Minn. 3.59 3.35 313,209 32.80 26.59
32 First State Bank of Clearbrook Minn. 3.58 1.70 25,655 32.89 50.88
33 Senath State Bank Mo. 3.57 3.13 42,671 22.66 46.17
34 Priority Bank Ozark, Ark. 3.55 4.19 39,347 42.09 60.35
  First Western FSB Rapid City, S.D. 3.55 2.43 26,375 22.20 45.07
36 First Security National Bank Norcross, Ga. 3.52 2.55 133,085 29.89 43.64
37 First Bank and Trust Co. Wagoner, Okla. 3.50 3.33 144,504 39.59 35.56
38 Palm Desert National Bank Calif. 3.48 0.90 305,787 33.78 70.66
39 Corydon State Bank Iowa 3.47 3.35 48,611 26.72 19.10
40 First Southern National Bank Lancaster, Ky. 3.47 1.02 685,681 48.89 59.79
41 Randall State Bank Minn. 3.45 3.97 35,197 35.56 35.43
  Continental Bank Salt Lake City 3.45 0.64 52,984 22.62 34.94
  University National Bank of Lawrence Kan. 3.45 3.54 96,854 31.29 42.34
44 Grand Timber Bank McGregor, Minn. 3.44 3.73 45,836 41.89 38.39
45 Merchants and Farmers Bank Comer, Ga. 3.43 3.30 124,108 32.40 48.93
  American Investors Bank and Mortgage Eden Prairie, Minn. 3.43 1.78 36,026 23.21 56.59
47 Farmers State Bank Hosmer, S.D. 3.41 2.51 13,178 14.68 49.80
48 Union National Bank Elgin, Ill. 3.38 3.84 336,480 32.99 22.69
49 Utah Community Bank Sandy 3.35 2.31 47,773 22.75 36.05
  High Trust Bank Stockbridge, Ga. 3.35 3.14 22,571 31.47 72.15
51 Blue Ridge Savings Bank Inc. Asheville, N.C. 3.32 2.99 223,405 34.07 33.47
52 Prior Lake State Bank Minn. 3.30 2.31 166,956 31.65 40.28
53 Peoples Community Bank Greenville, Mo. 3.29 2.58 69,393 22.98 47.36
0 Commonwealth National Bank Worcester, Mass. 3.29 0.13 233,376 46.29 79.10
55 TransCapital Bank Hallandale Beach, Fla. 3.28 3.40 207,887 28.38 25.87
56 Grant County State Bank Carson, N.D. 3.26 2.67 22,584 27.07 40.84
  Moorhead State Bank Iowa 3.26 2.69 14,315 16.25 35.75
  Community Bank Missoula Mont. 3.26 2.48 80,441 38.73 45.30
59 Bank of the Southwest Roswell, N.M. 3.24 2.46 123,923 37.31 58.05
60 Drummond Community Bank Chiefland, Fla. 3.22 3.21 142,847 24.66 49.84
  Plains Commerce Bank Hoven, S.D. 3.22 3.65 257,915 21.52 44.84
  Ruby Valley National Bank Twin Bridges, Mont. 3.22 3.46 59,968 29.53 49.74
63 First National Bank of Picayune Miss. 3.21 3.69 182,171 40.26 44.87
  Farmers National Bank of Seymour Tex. 3.21 2.51 58,777 33.78 43.65
65 First Bank of Okarche Okla. 3.20 2.81 43,457 17.40 35.32
66 SunSouth Bank Dothan, Ala. 3.19 1.27 119,211 39.23 48.29
  Farmers Bank Ault, Colo. 3.19 2.55 107,665 26.93 35.14
  InterBank Elk City, Okla. 3.19 2.02 147,605 40.70 56.00
69 Cornerstone Bank Enderlin, N.D. 3.16 2.34 64,716 19.63 35.09
  Farmers and Merchants State Bank of Pierz Minn. 3.16 3.26 153,421 35.38 33.01
71 Solon State Bank Iowa 3.15 3.10 66,855 16.50 35.43
  First Independent Bank of Wood Lake Minn. 3.15 1.44 17,632 30.98 55.30
  Alliance Bank Lake City, Minn. 3.15 2.65 405,735 31.18 41.00
74 Kentucky-Farmers Bank Ashland 3.13 3.86 121,511 13.03 42.87
  First State Bank of Beecher City Ill. 3.13 2.70 36,918 18.01 46.63
76 Bank of Dade Trenton, Ga. 3.11 2.76 74,700 47.91 45.60
  American State Bank of Grygla Minn. 3.11 2.95 16,823 28.76 52.78
  Lindell Bank and Trust Co. St. Louis 3.11 3.20 289,158 18.58 36.86
79 Alamerica Bank Birmingham, Ala. 3.10 2.39 55,831 16.44 41.88
  MontroseBank Colo. 3.10 2.80 136,909 36.49 48.74
81 University National Bank St. Paul 3.09 1.79 119,232 34.01 54.28
  Rural American Bank of Luck Wis. 3.09 1.84 64,117 36.39 48.18
83 State Bank of Bartley Neb. 3.07 2.44 18,191 30.73 46.77
  Murphy Bank Fresno 3.07 3.83 103,479 22.92 43.47
  First State Bank of Canadian Tex. 3.07 2.40 86,848 27.69 39.52
86 Mason National Bank Tex. 3.06 2.85 68,033 22.37 38.74
  Deposit Bank of Carlisle Ky. 3.06 3.56 61,855 13.67 33.42
88 National Bank of Andrews Tex. 3.05 1.76 74,209 34.89 55.30
89 Charter Bank Corpus Christi 3.03 3.24 126,376 51.48 54.83
90 State Bank of Lincoln Ill. 3.02 2.74 176,859 21.57 50.50
91 Pioneer Trust Bank Salem, Ore. 3.01 2.81 235,398 23.33 31.85
  First National Bank of America East Lansing, Mich. 3.01 2.93 309,966 18.93 54.44
93 1st Bank and Trust Broken Bow, Okla. 2.99 2.79 88,503 30.96 47.55
  Citizens State Bank of Cheney Kansas 2.99 3.08 37,919 23.18 45.88
  Vermont State Bank Vermont, Ill. 2.99 0.98 7,610 22.83 53.79
  Cottage Savings Bank Montgomery, Ohio 2.99 1.09 36,809 15.81 69.80
97 First Bank of Chandler Okla. 2.98 3.40 63,032 30.83 39.95
  Security Bank Pawnee, Okla. 2.98 2.75 264,399 23.26 29.89
  Rural American Bank Braham, Minn. 2.98 1.23 40,746 35.95 49.67
  Graham National Bank Tex. 2.98 2.03 92,680 32.33 49.83
101 North Valley Bank Thornton, Colo. 2.97 2.60 110,235 39.21 55.11
  Pony Express Bank Liberty, Mo. 2.97 2.16 119,598 27.47 41.06
103 Bank of Alma Wis. 2.95 2.53 166,405 11.06 14.64
  First National Bank of Olney Tex. 2.95 2.38 48,889 30.25 39.87
105 Home State Bank Royal, Iowa 2.94 2.87 35,034 10.33 28.57
  1st Bank Sidney, Mont. 2.94 2.51 51,144 21.66 48.76
  Clinton State Bank Clinton, Minn. 2.94 2.81 58,096 24.30 27.21
108 Seattle Savings Bank 2.92 1.56 321,547 29.20 81.13
  Home State Bank Louisville 2.92 2.78 68,730 29.19 40.82
  Columbian Bank and Trust Co. Topeka, Kan. 2.92 2.32 368,117 33.26 38.59
111 Justin State Bank Justin, Tex. 2.91 2.79 59,652 24.17 53.35
  Citizens National Bank of Breckenridge Tex. 2.91 2.31 70,155 34.16 40.17
113 First American Bank Stonewall, Okla. 2.89 2.05 17,790 27.64 58.88
  First Farmers and Merchants National Bank Luverne, Minn. 2.89 1.71 106,141 24.22 53.98
115 Bank of Baker Mont. 2.88 2.48 57,313 33.29 36.66
  Farmers-Merchants Bank and Trust Co. Breaux Bridge, La. 2.88 0.83 191,225 27.41 44.19
  Douglas County Bank Douglasville, Ga. 2.88 3.24 339,836 36.07 41.55
  First Arkansas Bank and Trust Jacksonville 2.88 2.48 278,147 17.80 52.68
  Lakeside Bank Chicago 2.88 2.66 688,369 28.87 41.82
120 Omaha State Bank Neb. 2.87 1.23 220,167 27.07 58.68
  Interstate Bank Oak Forest, Ill. 2.87 2.52 181,448 40.14 52.44
  Key West Bank Fla. 2.87 2.61 106,766 31.90 38.26
123 Peoples Bank Westville, Okla. 2.86 2.80 44,378 23.54 51.43
  Peoples State Bank De Smet, S.D. 2.86 2.92 52,839 16.91 40.74
  Bank of Hemet Riverside, Calif. 2.86 2.61 369,903 34.28 43.44
  First National Bank and Trust Fort Walton Beach, Fla. 2.86 1.57 449,015 34.82 55.36
127 FirstBank Antlers, Okla. 2.85 2.78 115,738 31.30 61.23
  First National Bank of Le Roy Kan. 2.85 2.10 21,958 12.89 38.95
  Central State Bank State Center, Iowa 2.85 2.66 77,882 17.63 33.56
130 Drayton State Bank N.D. 2.84 2.27 37,781 25.07 40.40
  Bank of Kremlin Okla. 2.84 2.20 149,150 28.50 45.95
  Heritage Community Bank Glenwood, Ill. 2.84 1.76 296,896 31.18 46.91
133 Plains State Bank Kan. 2.83 1.71 56,375 23.46 58.80
  Bank of Washington Washington, Mo. 2.83 2.44 476,754 18.50 42.53
135 City First Bank of DC Washington 2.82 0.50 115,888 26.70 57.62
  First State Bank Louise, Tex. 2.82 2.88 140,640 36.62 56.77
  Fife Commercial Bank Wash. 2.82 2.76 79,170 34.13 47.83
138 Security Bank and Trust Co. Maysville, Ky. 2.81 2.65 46,270 12.73 42.74
  State Bank of Downs Kan. 2.81 2.49 54,435 19.03 43.55
  Sun Security Bank Ellington, Mo. 2.81 2.27 291,378 21.54 40.23
141 First Guaranty Bank Martin, Ky. 2.80 2.38 54,767 22.52 35.31
  Farmers Trust and Savings Bank Williamsburg, Iowa 2.80 2.54 90,741 17.12 38.57
  Fidelity Bank of Florida Merritt Island 2.80 2.37 283,477 22.91 15.80
  Bank of Mauston Wis. 2.80 2.90 185,865 27.95 48.35
  Beauregard FSB Deridder, La. 2.80 3.47 43,956 14.09 49.04
146 FirsTier Bank Kimball, Neb. 2.79 2.66 113,057 27.91 39.12
  Riverside Bank Sparkman, Ark. 2.79 3.46 46,334 37.69 54.25
  First National Bank Fabens, Tex. 2.79 2.41 198,197 32.90 45.52
149 First Bank of Owasso Okla. 2.78 2.17 190,491 34.67 45.93
  Sterling Bank Lantana, Fla. 2.78 2.34 301,277 35.11 44.26
  Rural American Bank East Grand Forks 2.78 1.61 258,145 24.28 55.88

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

Community banking