© 2026 Arizent. All rights reserved.
Community banking

Community Banks and Thrifts with Highest Return on Average Assets

April 30, 2008, 10:08 a.m. EDT 1 Min Read
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 fourth quarter of 2007. Dollars in thousands.
Published April 30, 2008
Related Table: Leaders in ROA Improvement and in Efficiency
Rank   Return on avg. assets Assets Return on avg. equity Efficiency ratio
4Q 2007 Year earlier
1 BankFirst Sioux Falls, S.D. 34.09% 3.90% $448,376 187.27% 13.22%
2 Marshall Bank Hallock, Minn. 9.50 0.08 88,495 61.60 14.67
3 First Bank of Delaware Wilmington 8.80 3.02 119,361 33.32 31.17
4 Crawford County Trust and Savings Bank Denison, Iowa 5.84 1.27 111,850 61.72 20.56
5 Old Fort Banking Co. Ohio 5.44 1.02 378,811 65.97 33.98
6 Alva State Bank and Trust Co. Okla. 5.33 1.17 176,430 34.06 18.19
7 Peoples State Bank Cherryvale, Kan. 5.06 4.63 14,869 19.83 48.88
8 Flint Community Bank Albany, Ga. 4.98 -13.57 58,930 32.29 123.69
9 State Bank of Texas Irving 4.69 5.54 477,797 37.56 19.32
10 Foundations Bank Pewaukee, Wis. 4.67 -1.68 135,647 37.96 92.98
11 Franklin National Bank of Minneapolis 4.51 1.32 117,428 37.22 48.11
12 Brighton Bank Salt Lake City 4.50 5.02 150,614 36.42 46.67
13 Citizens First National Bank of Storm Lake Iowa 4.45 1.26 177,650 47.31 NA
14 Bank of Macks Creek Mo. 4.26 0.99 32,320 49.06 80.34
15 First National Bank of Le Roy Kan. 4.18 3.52 25,636 18.38 69.77
16 Grand Bank Tulsa 4.16 0.26 221,195 47.18 35.97
State Bank of Wheaton Minn. 4.16 3.18 64,368 18.62 33.18
18 Clay County Bank Inc. W.Va. 4.01 0.69 63,424 34.38 62.20
19 Preston National Bank Dallas 3.95 3.04 60,304 29.96 52.32
20 University National Bank St. Paul 3.75 2.09 117,530 34.05 45.56
21 American National Bank Parma, Ohio 3.73 1.08 51,383 23.28 50.49
22 1st Century Bank Los Angeles 3.59 -1.40 223,855 14.96 92.38
Prairie State Bank and Trust Mount Zion, Ill. 3.59 1.37 423,435 52.90 56.26
24 Union Bank Gilbert, Ariz. 3.58 1.44 136,660 43.65 33.19
25 1st United Bank Boca Raton, Fla. 3.52 0.07 375,652 31.40 100.24
26 First National Bank of Spearville Kan. 3.41 1.01 22,487 16.68 39.83
27 Central Bank of Kansas City Mo. 3.35 3.07 144,500 25.11 48.06
28 Ruby Valley National Bank Twin Bridges, Mont. 3.34 2.49 62,538 28.51 45.38
Western Commerce Bank Carlsbad, N.M. 3.24 3.12 271,034 27.52 48.25
30 Vermillion State Bank Minn. 3.23 3.34 381,825 28.01 25.89
31 Columbian Bank and Trust Co. Topeka, Kan. 3.19 4.08 729,252 42.41 34.62
32 America West Bank Layton, Utah 3.16 3.14 270,992 37.30 34.12
33 Bank of Baker Mont. 3.15 2.88 71,649 32.20 43.77
34 Bank of the Southwest Roswell, N.M. 3.14 2.62 139,357 35.72 59.18
Prior Lake State Bank Minn. 3.14 3.59 167,648 24.52 31.77
36 First Credit Bank Los Angeles 3.11 5.02 333,369 10.99 12.05
37 Bank Oberlin, Kan. 3.08 2.77 160,160 29.31 36.09
38 Continental Bank Salt Lake City 3.04 3.98 74,922 21.98 46.72
39 First Bank and Trust New Orleans 3.03 2.08 674,392 34.41 59.78
40 High Plains Bank Flagler, Colo. 3.03 1.67 85,427 27.40 51.01
41 Peoples Community Bank Greenville, Mo. 3.02 3.03 86,489 19.68 47.32
First Security Bank of Roundup Mont. 3.02 2.51 40,085 25.28 51.08
Texas Bank Brownwood, Tex. 3.02 4.00 229,105 30.17 55.80
44 First Bank of Owasso Okla. 3.01 3.15 192,295 30.64 50.25
45 Farmers State Bank of Underwood Minn. 3.00 1.49 40,256 36.28 47.54
46 Commercial Bank Bassett, Neb. 2.99 0.58 54,031 49.38 127.00
First National Bank of Estes Park Colo. 2.99 2.08 89,330 24.29 51.73
Merchants and Farmers Bank Comer, Ga. 2.99 3.25 142,314 23.42 53.41
State Bank of Bartley Neb. 2.99 2.77 31,353 22.33 51.04
50 Flathead Bank of Bigfork Mont. 2.97 3.14 233,936 27.50 47.39
51 Bank of Hydro Okla. 2.95 2.81 84,481 29.87 40.32
52 Clackamas County Bank Sandy, Ore. 2.92 2.87 158,090 17.62 58.65
53 First Bank and Trust Co. Wagoner, Okla. 2.89 3.11 193,819 30.65 45.10
54 Bank of Alma Wis. 2.88 2.62 187,737 9.62 16.14
Peoples Bank and Trust Co. Owenton, Ky. 2.88 2.35 66,103 19.13 47.46
56 First Bank, Upper Michigan Gladstone 2.87 2.82 153,873 21.02 46.39
First State Bank Scottsbluff, Neb. 2.87 2.72 196,256 32.41 38.31
58 State Bank of Countryside Ill. 2.86 3.39 935,760 25.98 35.64
Native American Bank Denver 2.86 0.66 99,750 24.51 79.83
60 Farmers State Bank Wathena, Kan. 2.85 1.48 52,968 15.62 46.12
First Bank and Trust Co. Duncan, Okla. 2.85 2.48 338,793 21.91 49.58
62 Bank of Commerce Chouteau, Okla. 2.82 2.89 32,054 29.20 58.14
First American Bank Stonewall, Okla. 2.82 1.97 20,211 27.12 52.21
64 Peoples Bank of Louisiana Amite 2.79 2.09 107,816 35.41 65.31
Bank of Commerce Duncan, Okla. 2.79 -0.64 90,126 22.05 55.80
Bank of the Rio Grande Las Cruces, N.M. 2.79 2.98 101,615 26.08 62.48
Grundy Bank Morris, Ill. 2.79 2.16 201,159 26.74 48.83
68 Park Midway Bank St. Paul 2.78 2.51 240,520 29.80 53.07
69 American Bank Bozeman, Mont. 2.77 2.75 472,348 29.48 50.39
Douglas National Bank Ga. 2.77 2.54 143,075 25.51 51.88
71 Morris State Bank Okla. 2.75 1.32 59,410 32.12 49.65
Citizens State Bank Grainfield, Kan. 2.75 3.16 10,326 29.05 52.45
73 Farmers-Merchants Bank and Trust Co. Breaux Bridge, La. 2.74 2.18 217,787 27.51 51.66
South Lafourche Bank and Trust Co. Larose, La. 2.74 2.39 112,205 33.75 58.00
State Bank of Niantic Ill. 2.74 2.32 51,794 16.21 43.35
76 Citizens State Bank of Glenville Minn. 2.73 2.12 28,423 22.60 50.36
77 First National Bank of Altheimer Ark. 2.72 -1.15 14,553 13.88 69.11
78 First National Bank Layton, Utah 2.71 3.39 290,400 25.47 52.39
Citizens Bank of Las Cruces N.M. 2.71 2.67 325,849 33.57 52.31
Peoples State Bank Summit, S.D. 2.71 2.14 42,985 29.94 40.25
81 Citizens State Bank of Waverly Minn. 2.70 1.96 62,230 31.79 62.52
82 Community National Bank of the Lakeway Area Morristown, Tenn. 2.69 0.48 106,518 18.03 94.94
83 Central Bank Provo, Utah 2.68 2.84 598,051 15.32 40.76
Bank of Dade Trenton, Ga. 2.68 2.88 85,605 39.43 50.31
First State Bank of Porter Okla. 2.68 2.32 34,549 21.53 60.38
86 Consolidated Bank and Trust Co. Richmond 2.67 2.10 88,702 28.56 84.48
87 Pioneer Trust Bank Salem, Ore. 2.66 2.85 249,597 21.28 36.23
Citizens National Bank at Brownwood Tex. 2.66 3.03 171,957 22.68 48.31
Commercial National Bank of Texarkana Tex. 2.66 2.21 167,519 26.78 54.28
First Security Bank Flower Mound, Tex. 2.66 2.66 131,251 19.90 41.82
91 Armstrong Bank Muskogee, Okla. 2.65 2.05 447,247 26.71 57.27
Lusk State Bank Lusk, Wyo. 2.65 2.84 36,242 31.55 50.59
93 Peoples Community State Bank Doniphan, Mo. 2.64 2.60 109,161 23.28 49.34
94 First National Bank of Michigan Kalamazoo 2.63 -1.81 63,250 9.83 81.94
Lakes State Bank Pequot Lakes, Minn. 2.63 2.53 96,790 24.39 53.51
Nebraska State Bank Oshkosh 2.63 2.25 35,341 26.83 56.81
97 Farmers and Merchants State Bank Plankinton, S.D. 2.62 1.34 64,304 25.12 43.01
Western Springs National Bank and Trust Western Springs, Ill. 2.62 2.69 209,440 28.66 43.95
First Bank of Chandler Okla. 2.62 2.54 67,956 26.46 46.94
Deposit Bank of Carlisle Ky. 2.62 2.33 64,545 10.80 42.58
National Bank of Andrews Tex. 2.62 2.99 92,491 27.87 64.12
Pioneer Bank Mapleton, Minn. 2.62 2.07 247,946 24.87 40.91
103 First Farmers and Merchants National Bank Luverne, Minn. 2.61 3.10 118,468 18.70 59.09
Malvern National Bank Ark. 2.61 0.72 371,443 21.65 36.85
105 Heron Lake State Bank Minn. 2.60 0.91 28,385 19.01 51.91
Johnson City Bank Tex. 2.60 2.28 68,262 18.65 57.98
Yellowstone Bank Laurel, Mont. 2.60 2.87 426,281 16.80 53.62
108 Wilburton State Bank Okla. 2.58 2.39 57,342 39.67 48.15
Commerce Bank Geneva, Minn. 2.58 3.81 167,401 17.98 33.85
Dakota County State Bank South Sioux City, Neb. 2.58 1.32 83,308 29.65 57.74
Security Bank of Southwest Missouri Cassville 2.58 2.85 65,156 28.22 50.30
112 Western National Bank Odessa, Tex. 2.57 2.33 770,731 31.50 49.43
Heritage Bank Wood River, Neb. 2.57 2.24 430,729 27.96 42.58
114 Bank of Louisiana Louisiana, Mo. 2.56 0.76 46,504 20.98 45.08
115 First Bank Wadley, Ala. 2.55 2.43 65,210 30.54 48.96
Ojai Community Bank Calif. 2.55 0.13 45,932 10.99 82.54
117 Bank of Bloomsdale Mo. 2.54 2.42 157,735 31.72 40.04
Lamar Bank and Trust Co. Mo. 2.54 2.53 113,573 27.18 51.68
New Era Bank Fredericktown, Mo. 2.54 2.45 257,091 19.94 40.13
Ormsby State Bank Minn. 2.54 1.15 23,816 22.36 46.40
Quail Creek Bank Oklahoma City 2.54 2.36 377,886 29.75 46.63
Utah Community Bank Sandy 2.54 2.70 75,894 16.68 31.93
123 Guaranty Bank and Trust Co. of Delhi Louisiana 2.53 2.46 100,788 25.03 57.35
124 1st Bank and Trust Broken Bow, Okla. 2.52 1.99 104,193 25.05 52.63
State Bank of Nauvoo Ill. 2.52 -0.24 28,621 24.93 98.78
Waggoner National Bank of Vernon Tex. 2.52 2.00 217,296 19.20 49.72
127 Chesapeake Bank and Trust Co. Chestertown, Md. 2.51 3.09 92,289 24.86 44.60
Abbeville Building and Loan La. 2.51 1.54 28,916 8.11 59.30
Lincoln State Bank Rochelle, Ill. 2.51 1.25 42,112 31.45 83.97
130 First National Bank of Walker Minn. 2.50 2.60 257,530 24.02 47.64
131 First National Bank in Graham Tex. 2.49 2.38 183,240 28.89 52.66
132 First Bank McComb, Miss. 2.48 1.53 240,774 20.51 53.57
State Bank and Trust Co. Carrollton, Tex. 2.48 2.65 187,396 20.00 54.01
134 First National Bank of La Grange Ill. 2.47 1.98 220,719 25.20 57.08
Charter Bank Corpus Christi 2.47 2.73 155,409 42.62 53.31
Mercantile Bank of Louisiana Missouri 2.47 2.28 112,987 10.69 41.01
MontroseBank Montrose, Colo. 2.47 2.74 186,473 27.80 54.81
Peoples Bank Taylorsville, Ky. 2.47 2.33 95,254 22.73 49.84
Randall State Bank Minn. 2.47 3.42 34,020 19.44 48.43
140 Bank of Hemet Riverside, Calif. 2.46 2.75 406,642 27.52 48.31
Citizens’ Bank Velma, Okla. 2.46 1.47 18,417 15.69 59.60
Durden Banking Co. Inc. Twin City, Ga. 2.46 2.63 161,760 26.12 48.72
Fort Davis State Bank Tex. 2.46 1.84 58,374 22.60 67.08
Venture Bank Bloomington, Minn. 2.46 2.63 207,376 30.27 53.21
145 Bank of Mauston Wis. 2.45 2.58 220,751 24.78 50.56
Fife Commercial Bank Wash. 2.45 2.74 85,265 29.61 52.68
United Bank of Union Mo. 2.45 2.58 239,968 27.55 49.24
148 Bank of Utah Ogden 2.44 2.58 696,225 25.29 53.93
Alamosa State Bank Colo. 2.44 2.26 132,979 25.49 55.14
Metropolitan Bank Oakland, Calif. 2.44 2.01 124,623 26.87 51.95
Peoples State Bank Blair, Okla. 2.44 2.84 14,635 22.04 67.16

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