Community Banks and Thrifts with Highest Return on Average Assets

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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 2008. Dollars in thousands.
Published July 16, 2008

Related Table: Leaders in ROA Improvement and in Efficiency
Rank   Return on avg. assets Assets Return on average equity Efficiency ratio
1Q '08 1Q '07
1 Great Lakes Bankers Bank Gahanna, Ohio 14.62% 0.30% $53,927 161.46% 16.67%
2 Plaza Park State Bank Waite Park, Minn. 10.87 0.98 130,035 113.16 21.18
3 Richland State Bank Bruce, S.D. 7.79 3.89 32,965 45.80 29.22
4 First Bank of Delaware Wilmington 7.38 3.39 118,185 25.73 42.72
5 American National Bank Parma, Ohio 6.59 0.29 57,599 41.87 44.53
6 First Security Bank Sanborn, Minn. 6.28 -2.31 11,076 67.11 80.41
7 Peoples State Bank Cherryvale, Kan. 5.63 4.11 14,510 20.37 41.24
8 First Mountain Bank Leadville, Colo. 5.55 1.26 23,999 73.31 41.62
9 First National Bank of Fairfax Minn. 5.31 2.99 26,010 14.73 33.82
10 First Credit Bank Los Angeles 4.97 12.51 352,588 17.96 10.80
11 Millennium Bank Reston, Va. 4.56 0.45 377,023 50.05 142.80
12 Brighton Bank Salt Lake City 4.16 5.14 195,213 33.09 47.88
13 PrinsBank Prinsburg, Minn. 4.07 3.53 49,488 32.33 52.32
14 State Bank of Texas Irving 3.96 5.68 500,565 34.87 18.97
15 Bank of Baker Mont. 3.82 3.54 70,647 37.61 31.27
Farmers Bank Carnegie, Okla. 3.82 3.09 45,500 37.07 36.69
17 Justin State Bank Tex. 3.68 5.03 69,108 39.98 44.69
18 First Capital Bank Guthrie, Okla. 3.66 2.13 114,879 43.26 50.83
19 Moorhead State Bank Iowa 3.65 3.52 17,202 17.06 23.65
20 Howard State Bank Kan. 3.58 0.32 40,489 37.84 53.89
21 Lindell Bank and Trust Co. St. Louis 3.49 4.01 317,825 17.68 33.94
22 Peoples Community Bank Greenville, Mo. 3.47 2.88 84,158 21.15 41.34
23 EvergreenBank Seattle 3.44 1.03 432,030 37.39 30.51
24 California United Bank Encino 3.42 -0.49 292,450 16.80 91.01
25 Roxbury Bank Kan. 3.37 2.77 17,210 32.76 48.00
26 Bank of Commerce Wetumka, Okla. 3.35 1.18 38,975 38.22 70.33
27 Mechanics and Farmers Bank Durham, N.C. 3.34 0.70 276,880 29.87 100.00
28 Bank of Las Vegas 3.32 2.72 171,333 40.52 40.14
29 Vermillion State Bank Minn. 3.29 3.40 396,475 27.89 24.95
30 Chambers State Bank Neb. 3.28 3.09 28,440 9.88 33.14
31 Yellowstone Bank Laurel, Mont. 3.27 3.88 426,761 21.25 39.82
32 Citizens State Bank of Glenville Minn. 3.26 2.11 29,148 28.23 45.17
Pikes Peak National Bank Colorado Springs 3.26 2.47 95,293 38.43 46.62
34 Bank Oberlin, Kan. 3.20 3.11 158,604 30.49 32.38
35 Peoples Bank Coldwater, Kan. 3.18 0.73 40,158 23.76 73.16
36 Utah Independent Bank Salina 3.17 2.01 54,038 22.67 48.13
37 Continental Bank Salt Lake City 3.16 3.17 75,660 22.30 50.29
38 Vermont State Bank Ill. 3.15 3.90 12,946 33.14 35.40
39 Heritage Bank Wood River, Neb. 3.13 2.41 435,638 32.67 33.48
40 Ruby Valley National Bank Twin Bridges, Mont. 3.12 1.99 60,941 24.30 51.48
41 Alva State Bank and Trust Co. Okla. 3.11 2.19 184,009 18.90 35.65
State Bank of Wheaton Minn. 3.11 3.67 64,183 13.80 42.14
43 State Bank of Cochran Ga. 3.06 2.37 190,959 32.73 44.82
44 First National Bank of Picayune Miss. 3.04 3.56 225,760 34.12 39.90
45 Union Bank Marksville, La. 3.03 1.32 251,095 37.77 51.56
Wilburton State Bank Okla. 3.03 2.95 58,121 45.25 47.82
47 First Bank of Okarche Okla. 2.97 3.51 49,272 18.27 38.17
48 First State Bank Scottsbluff, Neb. 2.96 2.61 201,898 34.06 41.34
49 State Bank and Trust Co. Carrollton, Tex. 2.94 2.49 189,738 22.29 51.34
50 Citizens National Bank at Brownwood Tex. 2.93 3.23 171,037 23.73 44.50
51 Farmers and Merchants Bank of Kendall Wis. 2.92 3.08 46,949 33.55 41.12
52 Pioneer Trust Bank Salem, Ore. 2.90 2.52 265,960 24.09 32.20
53 Peoples Bank and Trust Co. Owenton, Ky. 2.89 2.51 77,008 23.27 44.89
54 Bank of Mauston Wis. 2.88 2.49 220,630 29.32 43.14
Columbian Bank and Trust Co. Topeka, Kan. 2.88 4.48 735,766 39.24 29.51
Texas Bank Brownwood 2.88 3.16 232,423 29.12 54.68
57 First State Bank in Temple Okla. 2.87 2.32 20,913 15.42 47.73
58 Bank of St. Croix Christiansted, Virgin Islands 2.86 2.99 103,064 26.52 55.98
Corydon State Bank Iowa 2.86 2.27 69,457 19.77 24.30
Farmers State Bank of Adams Minn. 2.86 2.70 69,524 24.92 35.27
Mason National Bank Tex. 2.86 2.85 73,939 17.16 43.74
62 Cumberland Security Bank Somerset, Ky. 2.85 1.74 169,548 27.67 41.92
Farmers Trust and Savings Bank Williamsburg, Iowa 2.85 2.35 96,278 15.21 38.53
Spring Valley Bank Wyoming, Ohio 2.85 4.74 68,224 8.74 30.62
65 1st Bank and Trust Broken Bow, Okla. 2.83 2.40 106,054 27.98 48.16
Citizens National Bank of Texas Waxahachie 2.83 2.59 456,134 26.51 62.71
Paducah Bank and Trust Co. Ky. 2.83 1.89 478,037 33.92 49.85
68 Payne County Bank Perkins, Okla. 2.82 2.26 97,336 15.82 49.55
69 Bank of Alma Wis. 2.81 2.73 186,823 9.15 12.83
First National Bank in Lamar Colo. 2.81 1.82 185,665 31.60 46.47
71 Drummond Community Bank Chiefland, Fla. 2.80 2.58 176,190 18.99 52.66
Home State Bank Royal, Iowa 2.80 2.74 36,545 9.38 31.86
73 Putnam County National Bank of Carmel N.Y. 2.77 0.96 153,254 10.50 42.02
74 Armstrong Bank Muskogee, Okla. 2.72 2.89 471,677 28.11 56.87
Farmers and Merchants Bank of Hill City Kan. 2.72 3.08 37,610 23.61 46.52
Guaranty Bond Bank Mount Pleasant, Tex. 2.72 1.07 624,481 37.23 59.58
National Republic Bank of Chicago 2.72 3.49 875,583 30.55 25.72
78 First Security Bank of Roundup Mont. 2.71 2.18 40,112 23.27 54.90
United Bank Zebulon, Ga. 2.71 2.20 654,403 27.31 56.29
80 Guaranty Bank and Trust Co. Delhi, La. 2.70 2.75 103,747 25.03 52.63
University National Bank of Lawrence Kan. 2.70 3.24 121,981 22.29 49.73
82 Bank of Louisiana New Orleans 2.69 1.68 105,357 25.31 57.29
First Bank and Trust Co. Wagoner, Okla. 2.69 3.33 180,586 28.30 41.81
First National Bank of La Grange Ill. 2.69 2.87 230,857 26.45 54.22
State Bank of Bartley Neb. 2.69 3.02 36,122 17.24 48.43
86 Bank of the Southwest Roswell, N.M. 2.67 3.88 144,488 31.35 64.48
87 Alamosa State Bank Colo. 2.66 2.82 126,665 26.44 47.07
American Bank Bozeman, Mont. 2.66 2.78 473,530 27.81 50.49
89 City Savings Bank and Trust Co. De Ridder, La. 2.64 2.07 159,909 22.80 59.49
First National Bank of Moody Tex. 2.64 2.47 37,215 12.99 49.32
Grand Timber Bank McGregor, Minn. 2.64 3.32 51,212 29.13 45.61
Nebraska State Bank Oshkosh 2.64 3.19 35,366 26.94 53.52
93 Quail Creek Bank Oklahoma City 2.63 3.30 388,703 30.36 42.47
94 Bank of Ontario Wis. 2.62 1.29 30,812 30.22 52.91
First National Bank of Deerwood Minn. 2.62 2.09 217,455 22.09 51.33
96 Farmers and Merchants State Bank of Cawker City Kan. 2.61 2.38 14,386 31.57 44.05
First Citizens Bank of Butte Mont. 2.61 2.53 64,762 26.45 56.19
First Whitney Bank and Trust Atlantic, Iowa 2.61 2.30 122,512 24.51 33.89
Peoples Community State Bank Doniphan, Mo. 2.61 2.47 112,882 22.16 47.16
Prior Lake State Bank Minn. 2.61 3.03 181,787 19.96 46.47
Western State Bank Garden City, Kan. 2.61 1.76 338,802 26.28 48.48
102 Bank of Anguilla Miss. 2.60 1.08 93,382 20.58 47.92
Farmers and Merchants State Bank of Pierz Minn. 2.60 0.94 164,622 31.53 37.02
Senath State Bank Mo. 2.60 2.88 51,539 16.77 51.95
105 Citizens State Bank of Cheney Kan. 2.59 2.54 44,276 21.00 49.91
First National Bank of Estes Park Colo. 2.59 2.88 86,689 20.39 56.85
Waggoner National Bank of Vernon Tex. 2.59 2.14 216,124 19.26 50.72
108 Banker’s Bank of Kansas Wichita 2.58 1.62 101,713 21.74 65.23
Commerce National Bank Corinth, Miss. 2.58 2.38 82,756 23.42 45.75
Cottonwood Valley Bank Cedar Point, Kan. 2.58 1.25 22,228 22.88 44.77
Shell Lake State Bank Wis. 2.58 1.98 116,197 14.74 42.60
Washington State Bank La. 2.58 1.27 117,580 24.47 51.95
113 Farmers Bank Hardinsburg, Ky. 2.57 2.48 89,376 12.99 42.76
First National Bank and Trust Fort Walton Beach, Fla. 2.57 2.79 371,565 20.33 64.24
Fort Davis State Bank Tex. 2.57 2.57 59,460 23.17 67.18
State Bank of Niantic Ill. 2.57 2.44 56,380 15.49 44.85
117 Bank of Commerce Chouteau, Okla. 2.56 2.37 33,306 26.73 61.54
Bank of Galesville Wis. 2.56 1.32 79,546 23.72 53.95
Farmers and Merchants State Bank of Appleton Minn. 2.56 2.30 35,923 18.15 41.70
120 PrimeSouth Bank Tallassee, Ala. 2.55 3.41 145,637 24.78 36.24
Pueblo Bank and Trust Co. Colo. 2.55 4.51 373,407 18.34 55.61
122 Bank of Holly Springs Miss. 2.54 2.42 170,563 21.23 57.88
Flathead Bank of Bigfork Mont. 2.54 3.05 234,403 23.52 51.90
Preston National Bank Dallas 2.54 2.73 63,958 22.60 63.67
125 American National Bank of DeKalb County Sycamore, Ill. 2.53 0.73 246,209 23.80 63.96
Central Bank Provo, Utah 2.53 3.11 616,561 14.82 44.08
Central National Bank of Poteau Okla. 2.53 2.80 174,912 28.27 50.49
Plains Commerce Bank Hoven, S.D. 2.53 2.05 326,527 17.40 54.30
Security First National Bank of Hugo Okla. 2.53 2.84 105,774 34.04 39.94
130 First Bank Wadley, Ala. 2.52 2.19 67,825 31.71 46.10
131 Coffee County Bank Manchester, Tenn. 2.51 2.29 123,310 26.57 46.31
First National Bank Fabens, Tex. 2.51 3.57 249,653 32.05 48.28
Union Bank and Trust Co. Livingston, Tenn. 2.51 2.68 80,017 27.81 47.32
134 Bank of Dooly Vienna, Ga. 2.50 1.21 95,771 14.74 49.33
First Security Bank Flower Mound, Tex. 2.50 2.32 133,814 18.96 46.23
Mercantile Bank of Louisiana Mo. 2.50 1.87 118,109 10.92 43.59
137 Farmers State Bank Hosmer, S.D. 2.49 2.66 13,966 12.25 56.46
First State Bank of Burnet Tex. 2.49 2.47 156,322 18.02 49.38
139 MontroseBank Colo. 2.48 2.53 191,198 27.70 53.13
Municipal Trust and Savings Bank Bourbonnais, Ill. 2.48 1.96 285,717 16.34 31.83
State Bank of Scotia Neb. 2.48 2.80 22,660 9.29 42.49
142 Country Club Bank Shawnee Mission, Kan. 2.47 1.41 555,438 31.33 74.53
Minnesota National Bank Sauk Centre 2.47 1.07 171,042 17.03 58.95
Town and Country Bank of Missouri La Grange 2.47 2.72 26,053 25.81 45.27
145 Community National Bank of Okarche Okla. 2.46 2.70 52,481 16.53 49.93
First Community Bank Lester Prairie, Minn. 2.46 0.99 27,167 28.38 54.80
147 Bank of Dade Trenton, Ga. 2.45 3.16 83,059 35.37 52.63
Bank of the Rio Grande Las Cruces, N.M. 2.45 3.44 102,406 22.86 60.59
First Bank Upper Michigan Gladstone 2.45 2.59 161,974 17.67 52.12
Lone Star State Bank Tex. 2.45 1.99 29,821 24.30 49.02
Peoples State Bank Summit, S.D. 2.45 2.28 45,651 27.05 44.73
Peoples State Bank of Plainview Minn. 2.45 1.30 148,388 25.83 47.64

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