Community Banks and Thrifts with Highest Return on Average Assets

Published March 13, 2008, 10:08 a.m. EDT

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 first quarter of 2007. Dollars in thousands. Published March 13, 2008
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		1Q 2007	Year earlier	Assets	Return on avg. equity	Efficiency ratio
1	Oak Bank Chicago	31.30%	0.61%	$182,245	240.58%	5.37%
2	Bank of St. Edward Neb.	20.22	8.76	40,196	95.27	13.38
3	First Credit Bank Los Angeles	12.51	5.02	318,083	46.46	5.05
4	Peoples National Bank of Colorado Colorado Springs	8.09	2.00	153,342	70.93	35.66
5	Prime Alliance Bank Woods Cross, Utah	7.62	1.56	105,694	30.51	56.39
6	Bank of Paxton Neb.	7.14	-71.36	17,522	69.84	30.77
7	HarVest Bank of Maryland Rockville	7.01	-5.09	113,056	54.32	117.29
8	State Bank of Texas Irving, Tex.	5.68	3.72	320,575	37.05	21.02
9	Broadway Bank Chicago	5.61	4.64	950,623	45.38	10.74
10	Excel National Bank Beverly Hills	5.28	-2.54	63,657	45.87	94.29
11	Brighton Bank Salt Lake City	5.14	4.37	176,172	42.35	42.58
12	Justin State Bank Tex.	5.03	3.80	61,389	48.82	35.99
13	Custodial Trust Co. Princeton, N.J.	4.94	5.10	776,873	14.91	19.91
14	Spring Valley Bank Wyoming, Ohio	4.74	5.25	68,994	15.75	22.02
15	Louisville Community Development Bank Louisville, Ky.	4.57	-2.55	33,160	30.29	53.08
16	Seattle Savings Bank Seattle	4.56	1.94	634,164	45.66	62.39
17	Pueblo Bank and Trust Co. Colo.	4.51	4.12	379,344	38.31	49.42
18	Columbian Bank and Trust Co. Topeka, Kan.	4.48	3.54	579,809	54.74	22.71
19	Utah Community Bank Sandy	4.43	3.94	69,901	30.92	26.26
20	ACB Bank Cherokee, Okla.	4.32	2.74	46,459	51.20	30.00
21	Peoples State Bank Cherryvale, Kan.	4.11	5.19	15,510	16.97	50.00
22	America West Bank Layton, Utah	4.02	2.97	207,613	46.31	35.93
23	Lindell Bank and Trust Co. St. Louis	4.01	3.29	288,955	20.62	31.70
24	First Bank and Trust Co. of Illinois Palatine	3.98	4.32	486,734	24.00	30.47
25	Vermont State Bank Ill.	3.90	3.29	10,784	38.04	33.96
26	Bank of the Southwest Roswell, N.M.	3.88	3.15	147,286	45.73	54.88
27	Yellowstone Bank Laurel, Mont.	3.88	4.11	391,859	23.89	31.01
28	First National Bank of Howard Kan.	3.87	2.86	7,243	19.23	47.52
29	State Bank of Wheaton Minn.	3.67	3.42	60,376	15.85	39.59
30	First National Bank Fabens, Tex.	3.57	3.32	232,821	43.02	38.95
31	First National Bank of Picayune Miss.	3.56	3.39	221,249	43.01	39.04
32	Bank of Baker Mont.	3.54	3.06	65,899	37.81	31.66
33	Merchants and Farmers Bank Comer, Ga.	3.54	3.24	141,153	29.38	47.25
34	First National Bank Fort Pierre, S.D.	3.53	3.86	561,482	21.16	37.96
	Commerce Bank Geneva, Minn.	3.53	3.73	154,240	25.57	30.86
	PrinsBank Prinsburg, Minn.	3.53	3.76	45,804	26.84	44.56
37	Moorhead State Bank Moorhead, Iowa	3.52	3.70	15,598	16.68	30.10
38	First Bank of Okarche Okla.	3.51	3.20	45,322	20.19	34.77
	State Bank of Lebo Kan.	3.51	2.73	28,657	44.33	48.63
40	National Republic Bank of Chicago Chicago	3.49	4.21	690,568	33.78	26.75
41	Bank of the Rio Grande Las Cruces, N.M.	3.44	2.94	111,377	36.65	53.61
42	PrimeSouth Bank Tallassee, Ala.	3.41	2.80	143,664	36.21	32.57
43	Vermillion State Bank Minn.	3.40	3.50	361,116	28.93	26.04
44	First Bank of Delaware Wilmington	3.39	4.56	141,563	17.75	58.85
45	First Bank and Trust Co. Wagoner, Okla.	3.33	3.41	161,248	33.87	36.87
46	Grand Timber Bank McGregor, Minn.	3.32	3.36	50,153	35.25	35.20
	Gunnison Valley Bank Utah	3.32	2.85	62,561	29.28	34.83
	Security State Bank Centralia, Wash.	3.32	2.66	370,571	30.86	52.42
49	Quail Creek Bank Oklahoma City, Okla.	3.30	2.58	359,244	39.57	32.35
50	Security Bank Pawnee, Okla.	3.29	3.04	328,163	28.05	24.03
51	University National Bank of Lawrence Kan.	3.24	2.99	92,786	23.79	46.28
52	Citizens National Bank at Brownwood Tex.	3.23	3.01	162,344	27.78	42.02
	First National Bank and Trust Co. of Weatherford Tex.	3.23	4.78	187,294	40.35	36.70
54	Randall State Bank Minn.	3.22	2.49	34,905	27.50	40.51
55	Nebraska State Bank Oshkosh	3.19	3.63	34,732	35.02	49.30
56	Continental Bank Salt Lake City	3.17	1.98	75,928	22.59	41.25
57	First National Bank of America East Lansing, Mich.	3.16	2.86	388,228	19.69	55.90
	Bank of Dade Trenton, Ga.	3.16	2.62	80,360	47.49	50.71
	First National Bank Layton, Utah	3.16	2.73	310,162	30.81	50.08
	Security Bank of Southwest Missouri Cassville	3.16	2.73	65,676	34.41	46.16
	Texas Bank Brownwood	3.16	2.79	219,095	31.73	52.55
62	New Century Bank Munden, Kan.	3.13	-0.53	17,696	31.10	64.92
63	Central Bank Provo, Utah	3.11	2.86	563,633	18.04	37.92
	Bank Oberlin, Kan.	3.11	2.69	147,760	30.71	33.37
65	Chambers State Bank Chambers, Neb.	3.09	3.08	27,942	10.51	31.40
	Farmers Bank Carnegie, Okla.	3.09	3.16	43,384	28.58	47.32
	First Bank of Owasso Okla.	3.09	2.72	183,791	33.16	49.31
68	Farmers and Merchants Bank of Kendall Wis.	3.08	2.62	47,642	35.55	39.64
	Farmers and Merchants Bank of Hill City Kan.	3.08	3.62	35,250	26.11	44.53
70	Interstate Bank Oak Forest, Ill.	3.07	3.03	193,473	30.62	54.12
	Stanley Bank Kan.	3.07	3.13	127,422	15.09	46.76
72	Peoples Bank of Greensboro Ala.	3.06	1.86	67,571	27.75	34.76
73	Flathead Bank of Bigfork Mont.	3.05	2.54	233,683	26.12	48.49
74	First Guaranty Bank Martin, Ky.	3.03	3.08	55,080	20.38	39.47
	Prior Lake State Bank Minn.	3.03	3.38	169,748	23.77	45.05
76	State Bank of Bartley Neb.	3.02	2.76	22,928	26.14	47.77
77	Farmers State Bank Ewing, Neb.	3.01	3.06	14,005	10.96	35.36
78	Douglas County Bank Douglasville, Ga.	3.00	2.92	406,741	36.40	39.29
	Crowell State Bank Tex.	3.00	2.42	22,426	23.59	55.85
80	Bank of St. Croix Christiansted, Virgin Islands	2.99	2.62	97,231	33.43	42.36
	First National Bank of Fairfax Minn.	2.99	3.73	23,701	8.06	46.44
82	Drayton State Bank N.D.	2.98	2.85	40,667	26.30	38.22
	Fidelity Bank of Florida, National Association Merritt Island, Fla.	2.98	2.81	373,261	24.00	13.73
	St. Martin Bank and Trust Co. St. Martinville, La.	2.98	2.58	205,077	34.73	49.31
85	First Farmers and Merchants Luverne, Minn.	2.97	2.90	114,084	23.24	55.29
86	First National Bank of Elkhart Kan.	2.94	1.28	60,241	29.06	61.52
87	Chambers Bank Danville, Ark.	2.93	2.90	501,558	21.91	36.78
88	First State Bank of Beecher City Ill.	2.91	2.97	41,242	17.12	50.17
89	Citizens State Bank Grainfield, Kan.	2.90	2.25	8,423	27.94	50.38
90	Armstrong Bank Muskogee, Okla.	2.89	1.89	412,040	30.04	60.56
91	First National Bank of Estes Park Colo.	2.88	1.73	89,840	24.80	51.68
	First State Bank of Healy Kan.	2.88	3.40	45,776	12.76	32.14
	Peoples Community Bank Greenville, Mo.	2.88	3.25	82,910	19.20	48.90
	Senath State Bank Mo.	2.88	3.19	47,302	18.33	49.33
	TransCapital Bank Hallandale Beach, Fla.	2.88	3.34	238,079	22.16	26.10
96	First National Bank of La Grange Ill.	2.87	2.70	209,630	30.64	50.66
	Town and Country Bank of Quincy Ill.	2.87	3.10	114,536	31.24	42.13
98	Mason National Bank Tex.	2.85	2.24	68,695	18.27	45.27
	Neighborhood National Bank Alexandria, Minn.	2.85	0.10	49,489	35.27	92.15
100	Security First National Bank of Hugo Okla.	2.84	2.64	104,348	39.05	35.80
101	Elysian Bank Minn.	2.83	3.69	31,603	28.09	42.96
102	Alamosa State Bank Colo.	2.82	2.28	121,464	30.19	46.90
103	Central National Bank of Poteau Okla.	2.80	2.65	162,177	33.58	50.12
	Citizens State Bank of Ouray Colo.	2.80	2.88	64,919	22.58	53.10
	State Bank of Scotia Neb.	2.80	2.53	22,490	11.23	39.21
106	First National Bank and Trust Co. Fort Walton Beach, Fla.	2.79	3.11	388,795	25.66	62.23
	Liberty Bank Salt Lake City	2.79	1.03	14,411	12.96	53.25
	New City Bank Chicago	2.79	2.38	70,804	18.79	40.06
	Peoples Bank Mount Washington, Ky.	2.79	2.58	90,384	22.70	55.74
110	American Bank Bozeman, Mont.	2.78	3.38	477,154	31.17	45.54
	Pine Island Bank Minn.	2.78	0.53	50,446	24.48	76.35
112	Roxbury Bank Kan.	2.77	2.33	15,296	25.20	52.29
113	Alamerica Bank Birmingham, Ala.	2.76	2.55	54,708	15.75	44.14
114	California Pacific Bank San Francisco	2.75	2.81	95,630	13.91	37.86
	Guaranty Bank and Trust Co. of Delhi La.	2.75	2.28	99,942	26.33	52.03
	State Bank of Riverdale Neb.	2.75	2.56	31,784	9.70	30.83
117	Bank of Washington Washington, Mo.	2.74	2.61	546,898	22.02	42.28
	1st Bank Sidney, Mont.	2.74	2.72	61,064	20.59	48.31
	Bank of Kremlin Okla.	2.74	2.38	176,175	27.38	47.42
	Home State Bank Royal, Iowa	2.74	2.82	35,802	9.40	33.94
121	Bank of Alma Wis.	2.73	2.92	178,315	9.36	15.31
	Preston National Bank of Dallas	2.73	2.90	52,023	18.13	66.40
123	Chesapeake Bank and Trust Co. Chestertown, Md.	2.72	2.31	87,370	25.52	49.54
	Bank of Hemet Riverside, Calif.	2.72	2.62	402,391	31.65	43.06
	Bank of Las Vegas N.M.	2.72	2.74	149,086	33.78	46.77
	Exchange State Bank Springville, Iowa	2.72	2.33	27,477	12.64	27.44
	Town and Country Bank of Missouri La Grange	2.72	2.66	27,472	35.13	41.40
	Union National Bank Elgin, Ill.	2.72	3.24	354,967	24.27	27.93
129	Clackamas County Bank Sandy, Ore.	2.71	2.74	155,535	16.07	60.15
	Peoples State Bank and Trust Baxley, Ga.	2.71	2.67	65,662	19.50	46.92
131	Community National Bank of Okarche Okla.	2.70	2.68	46,264	18.50	50.78
	Farmers State Bank of Adams Minnesota	2.70	2.57	65,427	24.35	35.91
	First National Bank Artesia, N.M.	2.70	2.53	493,106	38.02	53.28
	First National Bank of Albany Tex.	2.70	2.43	260,550	26.70	39.51
	Sterling Bank Lantana, Fla.	2.70	2.84	362,942	30.17	46.79
136	Home State Bank Louisville, Neb.	2.69	2.64	72,176	25.79	42.53
137	Annandale State Bank Minn.	2.68	1.75	110,032	22.61	50.45
	First Bank of Chandler Okla.	2.68	2.64	66,308	27.14	44.46
139	Live Oak State Bank Dallas	2.67	2.71	115,370	28.73	45.53
	Solon State Bank Iowa	2.67	2.71	77,538	14.88	40.49
141	Farmers State Bank Hosmer, S.D.	2.66	3.05	14,200	12.36	54.75
142	Durden Banking Co. Inc. Twin City, Ga.	2.65	3.09	146,945	28.29	48.03
	Security State Bank of Aitkin Minn.	2.65	2.61	86,990	22.53	50.72
144	Bank of Lincolnwood Ill.	2.64	2.26	239,106	31.14	52.18
145	Peotone Bank and Trust Co. Peotone, Ill.	2.62	2.37	134,075	34.03	53.23
	La Farge State Bank Wis.	2.62	2.64	40,235	8.94	29.35
147	Bank of Wrightsville Ga.	2.61	1.77	71,334	19.46	48.84
	Charter Bank Corpus Christi	2.61	2.95	144,240	43.84	53.97
	First State Bank Scottsbluff, Neb.	2.61	2.41	199,326	31.01	43.18
150	Farmers State Bank and Trust Co. Church Point, La.	2.60	1.78	71,013	30.67	53.82
	Lakeside Bank of Salina, Okla	2.60	2.15	25,309	24.49	47.60
	Lamar Bank and Trust Co. Mo.	2.60	2.45	112,042	28.38	46.55
	Lusk State Bank Wyo.	2.60	2.33	33,230	29.36	54.85
	Peoples State Bank DeSmet, S.D.	2.60	2.80	58,974	18.32	43.59
	Stock Growers Bank Napoleon, N.D.	2.60	1.87	38,496	23.24	40.52

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. Thrifts were excluded.

Source:

SNL Financial

, Charlottesville, Va.