Community Banks and Thrifts with Highest Return on Average Assets

January 24, 2007, 10:08 a.m. EST 1 Min Read

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Community Banks and Thrifts with Highest Return on Average Assets
In the third quarter of 2006. Dollars in thousands Published January 24, 2006
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		3Q 2006	Year earlier	Assets	Return on avg. equity	Efficiency ratio
1	Richland State Bank Bruce, S.D.	7.84%	7.38%	$29,397	51.28%	33.49%
2	State Bank of Texas Irving	6.35	4.40	276,115	49.09	18.08
3	Louisville Community Development Bank	6.33	2.31	32,586	45.47	49.77
4	First Coleman National Bank Tex.	5.78	4.02	56,305	50.79	31.72
5	Bryant Bank Tuscaloosa, Ala.	5.68	-0.55	155,092	34.63	28.33
6	Broadway Bank Chicago	5.41	4.92	922,871	53.62	11.10
7	Brighton Bank Salt Lake City	5.10	4.00	178,946	44.15	41.17
	Custodial Trust Co. Princeton, N.J.	5.10	3.71	671,327	15.96	21.61
9	Bank of St. Edward Neb.	4.97	-5.03	38,753	23.54	26.48
10	Peoples State Bank Cherryvale, Kan.	4.76	6.25	13,604	17.89	49.71
11	Spring Valley Bank Wyoming, Ohio	4.64	4.78	59,743	15.54	23.04
	Graham National Bank Tex.	4.62	2.98	90,959	42.48	38.43
13	First Credit Bank Los Angeles	4.40	4.82	316,542	17.11	19.59
14	Farmers National Bank of Seymour Tex.	4.37	3.21	60,985	41.06	35.71
15	Citizens National Bank of Breckenridge Tex.	4.32	2.91	82,740	40.61	33.08
16	Citizens National Bank Wisner, Neb.	4.28	2.26	98,823	62.69	57.88
17	Northwest Bank Lake Oswego, Ore.	4.23	NA	69,885	13.75	76.49
	University Bank Ann Arbor, Mich.	4.23	0.24	65,632	54.01	74.40
19	Security Pacific Bank Los Angeles, Calif.	4.18	2.71	544,504	38.51	33.51
20	Yellowstone Bank Laurel, Mont.	4.14	4.04	363,393	24.94	31.99
21	Pueblo Bank and Trust Co. Colo.	4.12	3.95	350,950	36.24	46.83
22	Utah Community Bank Sandy	4.09	3.35	65,513	29.59	32.11
23	America West Bank Layton, Utah	4.03	2.54	172,282	45.38	44.68
24	First National Bank of Borger Tex.	4.00	2.08	41,730	39.10	41.26
25	First National Bank of Olney Tex.	3.97	2.95	53,884	36.53	31.34
26	First Bank and Trust Co. Wagoner, Okla.	3.89	3.50	148,955	40.84	34.01
	Prime Alliance Bank Woods Cross, Utah	3.89	1.93	151,401	29.47	32.05
28	Farmers State Bank and Trust Co. Mount Sterling, Ill.	3.88	0.91	53,598	46.81	25.84
	First State Bank of Canadian Tex.	3.88	3.07	93,861	30.97	29.43
30	First National Bank of Picayune Miss.	3.83	3.21	225,767	55.07	36.21
	Vermillion State Bank Minn.	3.83	3.59	336,747	33.30	21.55
32	PrinsBank Prinsburg, Minn.	3.81	2.31	44,907	28.62	41.49
33	Friona State Bank Tex.	3.80	2.48	82,907	31.29	37.26
34	First Bank and Trust Co. of Illinois Palatine	3.79	5.10	475,947	22.82	37.10
35	Bank of Oakfield Wis.	3.77	1.19	54,601	35.44	43.97
36	Bank of the Southwest Roswell, N.M.	3.75	3.24	129,722	40.62	56.65
37	Franklin National Bank of Minneapolis	3.72	1.60	126,456	34.61	51.92
38	Commercial Capital Bank Delhi, La.	3.68	1.76	37,406	36.23	39.93
39	Bank of Baker Mont.	3.67	2.88	63,529	41.05	30.33
	Columbian Bank and Trust Co. Topeka, Kan.	3.67	2.92	464,406	42.21	25.04
41	State Bank of Townsend Mont.	3.64	1.38	34,809	36.33	48.85
42	Moorhead State Bank Iowa	3.62	3.26	15,891	18.14	30.66
43	TransCapital Bank Hallandale Beach, Fla.	3.60	3.28	244,568	28.96	22.57
44	First National Bank Fabens, Tex.	3.56	2.79	221,583	43.85	39.36
45	NexBank SSB Dallas	3.55	8.60	242,294	20.04	47.76
46	Elysian Bank Minn.	3.54	8.97	31,415	34.35	35.53
47	Continental Bank Salt Lake City	3.51	3.45	71,137	27.48	36.10
	Gunnison Valley Bank Utah	3.51	3.70	58,649	28.25	31.42
	Lindell Bank and Trust Co. St. Louis	3.51	3.11	285,948	18.88	34.11
50	First State Bank of Alexandria Minn.	3.48	1.38	94,202	30.78	35.69
	Prior Lake State Bank Minn.	3.48	3.30	159,772	28.04	43.66
	University National Bank St. Paul	3.48	3.09	119,419	34.66	47.85
53	Senath State Bank Mo.	3.46	3.57	42,991	20.90	45.74
	Vermont State Bank Ill.	3.46	2.99	9,473	30.29	46.75
55	Alamerica Bank Birmingham, Ala.	3.45	3.10	54,822	20.66	38.12
	Miami Valley Bank Lakeview, Ohio	3.45	4.88	167,327	38.78	32.28
	University National Bank of Lawrence Kan.	3.45	3.45	95,063	27.45	44.17
	American Bank Bozeman, Mont.	3.45	2.40	448,668	38.58	44.17
59	Roxbury Bank Kan.	3.44	2.21	13,899	31.75	47.53
60	National Republic Bank of Chicago	3.43	4.35	592,359	28.81	26.69
61	Security Bank Pawnee, Okla.	3.41	2.98	319,999	27.97	23.68
62	Sterling Bank Lantana, Fla.	3.40	2.78	361,953	39.92	40.14
63	Bank of Dade Trenton, Ga.	3.39	3.11	78,088	53.65	43.97
64	Douglas County Bank Douglasville, Ga.	3.38	2.88	390,048	43.26	33.96
65	Randall State Bank Minn.	3.34	3.45	35,761	32.52	35.84
66	First Guaranty Bank Martin, Ky.	3.31	2.80	57,454	24.07	37.42
	Ruby Valley National Bank Twin Bridges, Mont.	3.31	3.22	63,334	29.66	46.03
	State Bank and Trust Co. Carrollton, Tex.	3.31	2.16	194,237	28.34	32.16
69	First Security National Bank Norcross, Ga.	3.30	3.52	151,578	29.61	44.01
	Merchants and Farmers Bank Comer, Ga.	3.30	3.43	134,879	30.76	49.13
	Union National Bank and Trust Co. of Elgin Ill.	3.30	3.38	361,127	32.48	20.22

72	Citizens National Bank at Brownwood Tex.	3.29	2.72	158,406	28.72	41.30
	High Desert State Bank Albuquerque	3.29	2.21	95,525	35.42	38.98
	Texas Bank Brownwood	3.29	2.73	200,746	34.96	51.53
	First National Bank and Trust Co. Fort Walton Beach, Fla.	3.29	2.86	404,690	33.50	55.88
76	Far West Bank Provo, Utah	3.28	2.43	419,610	24.48	47.37
77	Union Bank Gilbert, Ariz.	3.27	1.21	121,637	38.83	36.00
78	Stockmans Bank Elk Grove, Calif.	3.25	2.77	364,382	25.65	37.56
79	Alva State Bank and Trust Co. Okla.	3.23	2.51	175,709	25.27	32.54
	Grant County State Bank Carson, N.D.	3.23	3.26	23,805	26.95	41.98
81	First Bank of Okarche Okla.	3.21	3.20	44,821	17.63	38.37
	First State Bank of Beecher City Ill.	3.21	3.13	38,161	18.43	45.33
	Pinnacle Bank Elberton, Ga.	3.21	2.69	408,760	25.44	45.75
84	First Western Bank Wall, S.D.	3.20	2.38	479,041	39.96	45.06
85	Justin State Bank Tex.	3.19	2.91	61,004	26.25	55.10
86	Bank of Vici Okla.	3.18	2.47	24,669	25.96	47.65
87	1st Bank Sidney, Mont.	3.16	2.94	58,365	24.01	43.66
88	Bank of the Rio Grande Las Cruces, N.M.	3.15	2.03	105,778	32.20	55.99
	Preston National Bank of Dallas	3.15	2.18	57,801	26.13	60.64
90	First Bank of Delaware Wilmington	3.14	0.93	112,388	12.62	55.15
91	Security State Bank of Aitkin Minn.	3.13	2.67	90,951	26.69	45.23
92	Carver State Bank Savannah, Ga.	3.12	0.67	32,310	44.15	61.87
	Citizens State Bank Miles, Tex.	3.12	-0.68	39,391	32.81	44.66
	Security Bank of Southwest Missouri Cassville	3.12	3.64	64,354	35.21	45.76
	Wyoming Bank and Trust Cheyenne	3.12	2.62	79,643	26.52	77.00
96	Haverford Trust Co. Radnor, Pa.	3.11	4.36	153,452	27.08	76.89
	Live Oak State Bank Dallas	3.11	2.74	105,229	34.61	42.76
98	State Bank of Niantic Ill.	3.10	2.73	51,134	19.00	42.00
99	First Farmers and Merchants Luverne, Minn.	3.09	2.89	102,689	24.60	55.87
100	Connecticut River Community Bank Wethersfield	3.08	-0.52	102,905	27.81	96.25
	North Valley Bank Thornton, Colo.	3.08	2.97	122,960	38.49	52.85
	Central Bank Provo, Utah	3.08	2.77	539,949	18.26	38.97
103	AmFirst Bank McCook, Neb.	3.07	1.16	196,010	31.56	58.02
	Bank of Alma Wis.	3.07	2.95	171,172	10.60	12.84
105	Deposit Bank of Carlisle Ky.	3.06	3.06	62,098	13.03	34.77
106	Citizens State Bank Grainfield Kan.	3.05	2.35	8,794	28.57	49.26
	Pony Express Bank Braymer, Mo.	3.05	2.97	137,100	27.49	39.79
108	Drayton State Bank N.D.	3.04	2.84	40,454	27.75	38.52
	First National Bank of Fairfax Minn.	3.04	1.39	23,522	8.45	46.13
	Peoples Community Bank Greenville, Mo.	3.04	3.29	80,104	21.34	49.15
111	Bank of Holly Springs Miss.	3.03	1.86	154,183	26.26	51.18
	First National Bank Layton, Utah	3.03	2.71	305,057	31.06	50.75
	Home State Bank Royal, Iowa	3.03	2.94	36,127	10.61	27.68
	Seattle Savings Bank	3.03	2.92	520,782	35.92	72.40
115	First National Bank USA Boutte, La.	3.01	1.54	203,968	29.19	54.14
	Gruver State Bank Tex.	3.01	1.92	32,240	18.32	59.60
	Heritage Community Bank Glenwood, Ill.	3.01	2.84	319,952	33.59	43.40
	Peak National Bank Nederland, Colo.	3.01	1.64	208,130	34.04	53.16
119	Farmers State Bank Hosmer, S.D.	3.00	3.41	14,717	14.14	50.43
	First Community Bank Savage, Minn.	3.00	2.29	114,657	34.05	34.90
	New City Bank Chicago	3.00	2.29	76,826	20.16	39.33
	Bank of Washington Mo.	3.00	2.83	502,374	22.79	44.39
123	Charter Bank Corpus Christi	2.98	3.03	139,416	53.01	49.82
	Fife Commercial Bank Wash.	2.98	2.82	87,426	35.87	51.81
	First Bank of Owasso Okla.	2.98	2.78	182,795	33.91	52.50
	First State Bank Scottsbluff, Neb.	2.98	2.63	198,091	33.87	44.06
	FirsTier Bank Kimball, Neb.	2.98	2.79	152,132	21.93	33.27
	Peoples Bank Westville, Okla.	2.98	2.86	43,175	25.04	52.64
129	Alamosa State Bank Colo.	2.97	2.55	113,277	31.81	46.18
	First National Bank Northwest Florida Panama City	2.97	2.29	124,008	20.59	51.09
	Riverbend Bank Fort Worth	2.97	2.37	43,715	25.75	62.89
	Stanley Bank Kan.	2.97	2.26	125,670	14.98	47.64
	Northeast Georgia Bank Lavonia	2.97	1.97	304,156	30.08	46.32
134	Bank of Hydro Okla.	2.96	1.96	79,805	30.96	39.73
	Mason National Bank Tex.	2.96	3.06	74,020	20.03	40.65
	Nebraska State Bank Oshkosh	2.96	2.65	36,386	32.17	56.11
	State Bank of Wheaton Minn.	2.96	2.65	59,167	13.49	46.55
138	Bank of Newington Ga.	2.95	1.86	91,059	29.75	36.42
	Bank of Wrightsville Ga.	2.95	2.27	69,666	23.62	44.91
	Bryant State Bank S.D.	2.95	1.02	18,227	18.26	61.32
	First National Bank of Evant Tex.	2.95	0.58	28,124	22.06	53.89
	United Security Bank Sparta, Ga.	2.95	2.45	121,475	40.66	42.97
143	Pioneer Bank Mapleton, Minn.	2.94	2.68	233,587	28.23	42.39
144	Security Bank USA Bemidji, Minn.	2.93	2.40	90,322	33.79	49.63
	Alliance Bank New Ulm, Minn.	2.93	3.15	416,044	25.86	45.13
146	Clackamas County Bank Sandy, Ore.	2.92	2.77	157,476	18.00	57.07
147	Central National Bank of Poteau Okla.	2.91	2.76	157,828	35.69	48.74
	Drummond Community Bank Chiefland, Fla.	2.91	3.22	161,766	22.37	53.59
	Farmers State Bank Ewing, Neb.	2.91	2.46	13,844	10.89	35.03
	American Alliance Bank Lake City, Minn.	2.91	4.80	164,124	21.56	44.62

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 constitute less than half of assets and whose credit card loans exceed 25% of gross loans.

Source: SNL Financial, Charlottesville, Va. (www.snl.com)