Community Banks and Thrifts with Highest Return on Average Assets

October 15, 2008, 10:08 a.m. EDT 1 Min Read

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Community Banks and Thrifts with Highest Return on Average AssetsOn June 30, 2008. Dollars in thousands. Published October 15, 2008
Rank		Return on avg. assets		Assets	Return on average equity	Efficiency ratio
Rank		2Q '08	2Q '07	Assets	Return on average equity	Efficiency ratio
1	Peoples State Bank Cherryvale, Kan.	5.20%	4.44%	$14,094	18.50%	40.42%
2	Bank of Prairie Village Kan.	5.09	1.38	68,955	59.47	33.60
3	First Credit Bank Los Angeles	4.84	5.48	358,768	18.02	5.20
4	First Bank of Delaware Wilmington	4.54	5.17	124,403	14.68	54.31
5	Brighton Bank Salt Lake City	4.45	4.69	146,062	32.99	46.75
6	Spring Valley Bank Wyoming, Ohio	4.32	5.17	69,562	12.85	24.64
7	First Citizens Bank of Butte Mont.	3.98	2.74	64,980	38.65	45.01
8	Bank of Baker Mont.	3.83	3.97	74,990	41.50	29.91
9	Justin State Bank Tex.	3.80	3.77	75,701	39.67	40.62
10	Vermillion State Bank Minn.	3.71	3.40	415,287	33.03	23.30
11	Yellowstone Bank Laurel, Mont.	3.68	4.05	440,057	23.74	36.78
12	First National Bank and Trust Phillipsburg, Kan.	3.59	1.78	142,241	24.54	54.99
13	Farmers and Merchants Bank of Kendall Wis.	3.56	2.80	52,173	42.21	35.84
14	Falcon International Bank Laredo, Tex.	3.54	1.42	864,950	49.62	45.20
	Lindell Bank and Trust Co. St. Louis	3.54	3.45	322,371	18.09	34.30
	Shell Lake State Bank Wis.	3.54	2.29	117,183	19.95	32.86
	State Bank of Texas Irving	3.54	6.55	555,899	32.63	20.87
18	Mid America Bank and Trust Co. Dixon, Mo.	3.53	-0.58	89,592	32.25	36.24
19	Peoples Community Bank Greenville, Mo.	3.46	3.32	83,180	20.95	42.02
20	First Capital Bank Guthrie, Okla.	3.45	-2.02	120,771	40.82	41.99
	Ruby Valley National Bank Twin Bridges, Mont.	3.45	2.85	64,232	26.91	45.82
22	Abbeville Building and Loan La.	3.38	1.54	31,066	11.78	54.36
23	Bank Oberlin, Kan.	3.30	3.57	161,974	31.99	28.59
24	First Bank of Okarche Okla.	3.26	3.35	50,037	19.62	34.81
25	State Bank of Park Rapids Minn.	3.24	1.43	116,705	41.94	36.88
26	Exchange Bank Gibbon, Neb.	3.22	0.81	158,557	43.02	48.74
27	First National Bank of Picayune Miss.	3.15	3.62	217,954	35.26	42.89
28	First National Bank Rosedale, Miss.	3.12	2.45	66,293	21.15	39.81
29	Roxbury Bank Kan.	3.11	2.86	18,488	32.40	47.04
	Texas Bank Brownwood	3.11	3.52	238,485	31.33	53.72
31	State Bank of Niantic Ill.	3.08	2.53	56,515	18.53	40.73
32	Peoples Bank and Trust Co. Owenton, Ky.	3.06	2.76	75,486	27.71	41.63
33	Chambers State Bank Neb.	3.05	2.84	29,413	9.70	33.24
34	First State Bank of Beecher City Ill.	3.01	2.85	44,107	22.13	47.43
35	First National Bank of Hugo Colo.	2.98	2.17	67,178	30.65	48.69
36	Moorhead State Bank Iowa	2.97	3.69	17,439	13.95	30.05
37	Continental Bank Salt Lake City	2.96	3.67	76,769	21.84	41.64
38	Jacksboro National Bank Tex.	2.94	1.78	153,100	39.71	47.84
39	Bank of Commerce Wetumka, Okla.	2.92	1.10	39,160	31.62	58.90
40	Bank of St. Elizabeth Mo.	2.90	1.97	88,857	26.14	35.43
41	Drummond Community Bank Chiefland, Fla.	2.89	2.86	179,667	19.74	51.37
42	First Whitney Bank and Trust Atlantic, Iowa	2.88	2.33	117,692	27.69	28.87
43	Bank of Alma Wis.	2.87	2.81	189,047	9.22	13.43
44	Farmers Trust and Savings Bank Williamsburg, Iowa	2.85	2.57	96,597	15.12	37.56
45	State Bank of Bartley Neb.	2.83	2.53	36,606	17.99	48.83
46	Mason National Bank Tex.	2.82	1.61	73,461	16.87	44.96
47	Vermont State Bank Ill.	2.80	2.53	13,185	28.77	43.37
48	Armstrong Bank Muskogee, Okla.	2.79	2.92	488,143	30.30	56.72
	Solon State Bank Iowa	2.79	2.57	78,460	14.85	39.17
50	1st Bank and Trust Broken Bow, Okla.	2.78	2.31	106,090	27.16	48.24
51	Alamosa State Bank Colo.	2.76	2.87	126,196	27.43	45.98
	Security Bank of Southwest Cassville, Mo.	2.76	1.91	70,520	31.50	47.51
53	Greystone Bank Raleigh	2.75	-0.75	406,299	26.27	42.43
54	Bank of Dade Trenton, Ga.	2.73	2.66	81,749	39.51	49.30
	Lakeside Bank of Salina Okla.	2.73	2.65	28,053	22.87	41.30
	Pioneer Trust Bank Salem, Ore.	2.73	2.77	254,485	22.06	33.32
57	Cumberland Security Bank Somerset, Ky.	2.72	1.81	164,821	26.21	51.26
	First Southeast Bank Harmony, Minn.	2.72	1.62	47,385	31.03	50.72
59	First National Bank of Hughes Springs Tex.	2.71	3.06	165,499	25.95	46.24
60	Kleberg First National Bank of Kingsville Tex.	2.70	1.10	344,343	19.25	64.32
	Peoples Community State Bank Doniphan, Mo.	2.70	2.58	115,827	23.50	45.47
	Vision Bank, National Association Ada, Okla.	2.70	1.49	461,776	31.54	49.20
63	Clinton State Bank Minn.	2.69	1.44	60,807	22.56	29.60
	FlatIrons Bank Boulder, Colo.	2.69	0.79	41,857	12.37	52.95
65	First Bank and Trust Co. Wagoner, Okla.	2.68	3.60	179,330	29.32	38.43
66	First Community Bank Lester Prairie Minn.	2.66	1.43	27,226	35.27	53.66
	State Bank of Wheaton Minn.	2.66	2.35	65,730	12.23	46.49
68	1st Bank Sidney, Mont.	2.65	3.00	100,374	25.81	44.24
	Elysian Bank Minn.	2.65	2.68	34,886	27.48	40.15
	Preston National Bank Dallas	2.65	3.44	62,672	23.08	61.86
71	Pikes Peak National Bank Colorado Spring	2.64	2.50	91,549	30.18	49.38
	Quail Creek Bank Oklahoma City	2.64	2.58	395,207	31.12	45.02
73	Municipal Trust and Savings Bank Bourbonnais, Ill.	2.63	2.35	285,122	16.75	32.17
74	Mercantile Bank of Louisiana Mo.	2.62	2.73	115,966	11.85	36.97
75	First Security Bank of Roundup Mont.	2.61	2.75	40,213	22.51	59.35
	Welch State Bank Okla.	2.61	1.49	181,951	32.02	44.76
77	Farmers Bank Carnegie, Okla.	2.60	1.71	49,047	24.63	52.05
	Grand Marais State Bank Minn.	2.60	1.96	63,032	29.54	51.72
79	Cottonwood Valley Bank Cedar Point, Kan.	2.59	1.99	21,288	21.69	45.96
80	Bank of Bloomsdale Mo.	2.56	2.57	166,619	31.88	39.74
	Farmers and Merchants Bank Stuttgart, Ark.	2.56	2.04	479,653	21.48	52.29
82	City Savings Bank and Trust Co. De Ridder, La.	2.55	2.22	157,930	21.48	60.85
83	Citizens National Bank at Brownwood Tex.	2.54	3.27	170,742	20.88	48.05
	First Bank Upper Michigan Gladstone	2.54	2.77	156,740	18.37	50.60
85	Home Exchange Bank Jamesport, Mo.	2.53	1.79	78,567	20.04	42.78
	Home State Bank Louisville, Neb.	2.53	2.71	82,205	26.01	44.09
	National Republic Bank of Chicago	2.53	3.33	885,946	27.92	29.04
	Security State Bank Odessa, Tex.	2.53	2.36	245,965	34.78	54.44
89	First State Bank Canute, Okla.	2.52	0.67	20,161	6.72	67.09
90	Buffalo Ridge Bank Beardsley, Minn.	2.51	2.18	34,050	30.66	47.16
	Grand Timber Bank McGregor, Minn.	2.51	2.71	50,960	27.39	47.55
	National Bank of Andrews Tex.	2.51	2.85	94,611	27.18	64.18
	Peoples Bank Taylorsville, Ky.	2.51	2.58	93,204	22.21	49.76
	Union Bank and Trust Co. Livingston, Tenn.	2.51	1.82	77,982	26.61	42.83
95	First Bank of Lincoln Mont.	2.50	2.41	12,149	14.87	58.96
	First National Bank in Lamar Colo.	2.50	1.55	190,695	27.74	48.88
97	Central National Bank of Poteau Okla.	2.49	2.86	180,752	27.73	50.12
98	Bank of Hemet Riverside, Calif.	2.48	2.43	408,233	27.75	48.43
	Gunnison Valley Bank Utah	2.48	3.26	75,526	23.49	28.32
	La Farge State Bank Wis.	2.48	1.96	43,595	8.29	29.30
	Wyoming Bank and Trust Cheyenne	2.48	3.19	93,587	24.32	77.18
102	Bank of Union El Reno, Okla.	2.47	2.26	216,697	24.92	40.08
	Commerce National Bank Corinth, Miss.	2.47	2.55	81,469	22.21	48.92
	Dakota State Bank Blunt, S.D.	2.47	2.24	28,603	26.75	68.37
	First National Bank of La Grange Ill.	2.47	2.63	228,565	24.66	53.46
106	Community Bank Longview, Tex.	2.46	2.53	97,957	37.24	59.29
	First Bank of Chandler Okla.	2.46	2.97	69,210	25.85	46.33
	First National Bank Fabens, Tex.	2.46	3.48	249,154	31.54	46.77
109	Crockett National Bank Ozona, Tex.	2.45	2.07	271,358	25.49	52.04
	Utah Independent Bank Salina	2.45	2.11	54,912	17.32	56.23
111	First State Bank of Le Center Minn.	2.44	1.72	62,335	25.37	52.00
	New Era Bank Fredericktown, Mo.	2.44	2.44	252,055	20.30	39.62
113	Lusk State Bank Wyo.	2.43	2.39	34,721	27.19	53.86
	Reliabank Dakota Estelline, S.D.	2.43	1.56	136,458	26.04	61.65
	Security First National Bank of Hugo Okla.	2.43	2.53	109,543	30.79	41.43
116	Horizon Bank Waverly, Neb.	2.42	2.25	112,900	26.56	38.93
	MontroseBank Colo.	2.42	2.90	184,986	26.45	53.58
	State Bank of Lincoln Ill.	2.42	2.29	181,897	21.27	55.62
119	Coffee County Bank Manchester, Tenn.	2.41	2.28	124,987	26.12	44.49
	First Security Bank Flower Mound, Tex.	2.41	2.53	146,108	19.14	43.94
	Headwaters State Bank Land OLakes, Wis.	2.41	1.37	60,368	18.70	49.28
	Pioneer Bank and Trust Belle Fourche, S.D.	2.41	2.37	354,265	24.68	42.21
	Sicily Island State Bank La.	2.41	1.18	30,592	22.14	57.49
124	Bank of Buffalo Ky.	2.40	1.58	56,667	25.43	37.44
	Community Bank Summersville, Mo.	2.40	2.65	41,047	23.93	63.48
	Community National Bank of Okarche Okla.	2.40	2.51	52,425	16.19	51.52
	New Century Bank Belleville, Kan.	2.40	3.58	21,014	24.56	70.50
	Peoples Bank Westville, Okla.	2.40	2.60	47,532	21.26	58.85
	Wilburton State Bank Okla.	2.40	2.23	58,424	36.30	48.75
130	Bank of Holly Springs Miss.	2.39	2.49	174,249	20.67	56.55
131	Citizens State Bank of Cheney Kan.	2.38	2.02	45,898	19.69	53.53
	Citizens State Bank of Waverly Minn.	2.38	2.61	56,382	29.60	57.68
	First National Bank of Estes Park Colo.	2.38	3.01	86,292	17.97	60.44
	First National Bank of Le Roy Kan.	2.38	1.97	26,141	10.73	45.95
	Flathead Bank of Bigfork Mont.	2.38	3.32	242,416	22.44	50.54
	Lone Star State Bank Tex.	2.38	20.70	29,689	23.98	49.57
	Payne County Bank Perkins, Okla.	2.38	2.59	100,533	13.47	47.17
	Security Bank and Trust Co. Paris, Tenn.	2.38	1.57	151,850	25.05	42.06
	Waggoner National Bank of Vernon Tex.	2.38	2.31	228,496	17.93	51.52
140	Douglas National Bank Ga.	2.37	2.80	150,465	23.17	51.63
	First Financial Bank El Dorado, Ark.	2.37	2.31	601,601	26.86	59.19
	Welcome State Bank Minn.	2.37	2.73	19,555	22.98	49.80
143	Drayton State Bank N.D.	2.36	2.11	45,451	21.17	38.53
	Farmers and Merchants State Bank Blooming Prairie, Minn.	2.36	0.72	61,364	30.36	54.11
	First National Bank of Clifton Kan.	2.36	2.59	41,917	20.33	58.16
	Peoples National Bank Colorado Springs	2.36	1.78	184,417	25.52	73.62
	South Lafourche Bank and Trust Co. Larose, La.	2.36	2.61	122,549	27.95	54.37
	Tipton Latham Bank Mo.	2.36	1.76	73,759	19.32	50.30
149	Bank of Eureka Springs Ark.	2.35	0.82	113,370	21.42	56.06
	Community Bank of El Dorado Springs Mo.	2.35	2.05	80,223	22.56	28.28
	Peoples Bank Paris, Tex.	2.35	2.54	116,873	26.32	64.44
	Security State Bank Cheyenne, Okla.	2.35	1.15	98,717	20.97	44.80

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.