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Community Banks and Thrifts with Highest Return on Average Equity

August 17, 2006, 10:08 a.m. EDT 1 Min Read
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Community Banks and Thrifts with Highest Return on Average Equity

Community Banks and Thrifts with Highest Return on Average Equity
In the first quarter of 2006. Dollars in thousands
Published August 17, 2006
Related Table: Leaders in ROE Improvement and Efficiency
Rank   Return on average equity Assets Return on avg. assets Efficiency ratio
1Q 2006 1Q 2005
1 Surety Bank Fort Worth,Tex. 74.33% -37.14% $32,336 15.19% 45.80%
2 Southwest Securities FSB Arlington, Tex. 67.81 19.97 824,012 6.58 24.3
3 First National Bank and Trust Co. of Weatherford Tex. 63.23 9.95 145,576 4.78 25.9
4 Charter Bank Corpus Christi 53.28 52.97 129,498 2.95 54.9
5 First National Bank of Picayune Miss. 48.71 39.27 224,105 3.39 37.8
6 Eastern Savings Bank FSB Hunt Valley, Md. 48.52 44.38 904,601 7.04 32.4
7 Omni National Bank Atlanta 46.24 20.23 522,264 4.01 62.2
8 Union Bank of Mena Ark. 43.31 20.39 145,951 2.94 60.6
9 American Bank Bozeman, Mont. 42.94 17.00 507,771 3.38 38.9
10 Bank of Dade Trenton, Ga. 42.39 39.09 77,772 2.62 52.2
11 Gulf Coast Bank and Trust Co. New Orleans 41.91 31.94 694,443 1.90 65.8
12 Broadway Bank Chicago 41.86 37.43 799,862 4.64 14.8
13 Miami Valley Bank Lakeview, Ohio 41.76 42.36 154,943 3.93 27.6
14 Bank of St. Edward Neb. 41.31 35.01 37,059 8.76 24.5
15 Columbian Bank and Trust Co. Topeka, Kan. 41.15 15.82 398,272 3.54 32.7
16 First National Bank Fabens, Tex. 40.50 47.59 219,621 3.32 40.6
17 Interstate Bank Oak Forest, Ill. 40.34 30.29 177,931 3.03 56.0
18 Valley Bank and Trust Cherokee, Iowa 40.18 10.72 19,263 4.10 63.7
19 First Coleman National Bank Tex. 39.57 31.81 60,318 4.26 37.2
20 Interstate Bank SSB Perryton, Tex. 39.56 22.30 92,222 3.14 46.4
21 Dunnellon State Bank Fla. 39.15 21.86 61,160 2.18 59.8
22 Nebraska State Bank Oshkosh 38.53 28.26 30,807 3.63 45.0
23 Justin State Bank Tex. 38.23 31.65 63,847 3.80 41.8
24 Peoples Bank of Louisiana Amite 38.19 29.89 98,213 2.59 52.3
25 Calais Federal Savings and Loan Association Maine 38.14 5.93 56,359 5.46 26.6
26 State Bank of New Richland Minn. 38.13 40.63 50,250 2.74 40.8
27 Riverside Bank Sparkman, Ark. 37.98 44.57 48,102 2.86 52.8
28 Security First National Bank of Hugo Okla. 37.95 37.87 97,307 2.64 39.7
29 Pueblo Bank and Trust Co. Colo. 37.57 43.42 350,020 4.12 46.5
30 Haven Trust Bank Duluth, Ga. 37.47 4.57 281,044 3.19 42.9
31 First Kansas Bank and Trust Co. Gardner 36.80 30.94 96,953 2.02 54.3
32 First Bank and Trust Co. Wagoner, Okla. 36.71 33.19 152,084 3.41 36.0
33 Douglas County Bank Douglasville, Ga. 36.46 31.70 365,033 2.92 38.5
34 Bank/First Citizens Bank Cleveland, Tenn. 36.42 30.02 483,584 2.82 43.5
35 First National Bank Artesia, N.M. 36.23 26.78 426,002 2.53 54.0
36 Homosassa Springs Bank Fla. 35.87 30.87 69,664 2.03 55.0
37 First Commercial Bank Bloomington, Minn. 35.82 26.62 143,071 2.69 36.1
38 Marathon National Bank of New York Astoria 35.76 10.98 792,700 3.34 27.0
39 State Bank of McGregor Minn. 35.69 39.76 46,975 3.36 36.4
40 First National Bank and Trust Co. Fort Walton Beach, Fla. 35.67 36.11 427,492 3.11 56.5
41 Sterling Bank Lantana, Fla. 35.61 29.19 345,051 2.84 43.9
42 United Security Bank Sparta, Ga. 35.55 36.10 114,731 2.54 42.3
43 Valley Bank National Association Elk Point, S.D. 35.41 15.14 67,365 4.02 69.0
44 Chickasha Bank and Trust Co. Okla. 35.40 10.71 139,134 3.11 65.2
45 Town and Country Bank of Quincy Ill. 35.19 27.64 111,153 3.10 37.1
46 Bank of Bloomsdale Mo. 35.02 33.54 158,277 2.43 39.5
47 Elysian Bank Minn. 34.97 35.60 31,544 3.69 34.0
48 Central National Bank of Poteau Okla. 34.88 26.34 162,801 2.65 51.3
49 First Security Bank Beaver, Okla. 34.68 32.21 81,569 2.28 41.4
50 Bank of Baker Mont. 34.64 27.84 58,054 3.06 34.8
51 Central Bank and Trust Lander, Wyo. 34.59 29.09 86,951 2.22 48.5
52 First Bank of Delaware Wilmington 34.29 56.61 97,325 4.56 48.5
53 National Republic Bank of Chicago 34.26 32.04 536,071 4.21 20.6
54 North Valley Bank Thornton, Colo. 34.15 33.60 116,260 2.63 57.5
55 Farmers National Bank of Seymour Tex. 34.14 27.23 60,480 3.52 41.0
56 First National Bank Hays, Kan. 34.08 15.28 86,689 2.27 96.7
57 Monterey County Bank Calif. 34.06 13.51 161,111 3.42 65.1
58 Home Bank Ducktown, Tenn. 33.99 26.79 123,323 2.94 50.7
59 Missouri Bank and Trust Co. Kansas City 33.85 29.52 273,685 2.65 50.8
60 First Valley Bank Seeley Lake, Mont. 33.84 31.43 41,705 2.54 41.9
61 Bank of the Southwest Roswell, N.M. 33.79 28.27 124,117 3.15 59.3
62 Peotone Bank and Trust Co. Ill. 33.62 38.79 125,046 2.37 55.9
63 First National Bank Heavener, Okla. 33.52 47.37 82,898 2.29 46.8
64 First State Bank of Canadian Tex. 33.50 23.28 102,046 3.50 33.4
65 Graham National Bank Tex. 33.34 24.07 93,885 3.46 45.4
66 Farmers Exchange Bank Cherokee, Okla. 33.26 22.25 109,355 2.75 41.8
67 Bank of Inverness Fla. 33.25 32.19 230,443 1.71 60.5
68 Community First Bank Pikesville, Md. 33.12 16.78 81,877 3.22 86.7
69 Community Bank Longview, Tex. 32.97 35.03 68,030 2.46 62.7
70 Citizens Bank of Las Cruces N.M. 32.78 28.78 285,753 2.34 56.6
71 Audubon State Bank Iowa 32.68 27.39 68,971 2.51 55.4
72 Bank of Las Vegas 32.64 11.12 143,197 2.74 45.1
73 Bank of the Rio Grande Las Cruces, N.M. 32.64 15.58 103,042 2.94 56.0
74 Farmers and Merchants Bank of Kendall Wis. 32.59 40.02 40,404 2.62 46.0
75 State Bank of Lebo Kan. 32.52 25.73 26,034 2.73 46.6
76 Guardian Savings Bank Cincinnati 32.36 8.06 525,096 2.59 94.5
77 Tower Bank and Trust Co. Fort Wayne, Ind. 32.27 7.26 571,975 2.87 40.3
78 Bank Northwest Hamilton, Mo. 32.23 37.39 72,427 2.24 51.2
79 St. Martin Bank and Trust Co. Saint Martinville, La. 32.22 27.13 180,706 2.58 53.0
80 FirstCity Bank Stockbridge, Ga. 32.19 28.20 165,650 2.72 50.6
81 First Security National Bank Norcross, Ga. 32.03 20.61 147,212 3.67 40.0
82 First Bank of Owasso Okla. 32.00 31.12 180,285 2.72 51.4
83 Citizens Bank and Trust Co. Eastman, Ga. 31.97 32.00 150,424 2.45 48.1
84 Farmers-Merchants Bank and Trust Co. Breaux Bridge, La. 31.77 32.34 206,986 2.94 42.8
85 Farmers and Merchants State Bank of Pierz Minn. 31.74 33.38 150,982 2.83 35.2
86 Vermillion State Bank Minn. 31.71 32.75 336,616 3.50 26.0
87 Centinel Bank of Taos N.M. 31.62 28.07 142,558 2.22 58.6
88 PrimeSouth Bank Tallassee, Ala. 31.60 30.33 133,225 2.80 35.4
89 Farmers and Merchants Bank of Hill City Kan. 31.57 53.93 34,265 3.62 40.0
90 Pan American Bank Chicago 31.55 26.02 34,474 4.16 80.5
91 Union National Bank and Trust Co. of Elgin Ill. 31.54 33.67 341,343 3.24 21.4
92 Citizens National Bank of Breckenridge Tex. 31.42 26.02 74,499 3.21 39.3
93 Western National Bank Odessa, Tex. 31.42 21.95 647,087 2.50 49.6
94 FirstBank Antlers, Okla. 31.40 22.13 115,347 3.00 61.1
95 Durden Banking Co. Inc. Twin City, Ga. 31.37 16.63 118,698 3.09 48.1
TransCapital Bank Hallandale Beach, Fla. 31.37 29.12 245,054 3.34 21.1
97 Sound Banking Co. Tacoma 31.34 23.32 46,390 2.15 55.2
98 Bank of San Jacinto County Coldspring, Tex. 31.28 19.92 31,329 3.43 53.9
99 Bank of Eastman Ga. 31.12 23.51 239,542 2.41 49.3
100 Covington County Bank Andalusia, Ala. 31.07 24.23 237,244 2.79 46.3
101 Citizens Bank Nashville, Ga. 30.97 24.78 233,349 2.91 43.0
102 First Financial Bank El Dorado, Ark. 30.94 3.52 504,464 2.60 53.3
103 First National Bank of Olney Tex. 30.89 26.36 52,674 3.08 36.7
104 Bank of Greeleyville S.C. 30.88 15.56 51,327 2.82 58.5
105 First National Bank of La Grange Ill. 30.88 30.99 211,556 2.70 51.4
106 BankFirst Winter Park, Fla. 30.85 18.42 331,386 2.16 62.5
107 MontroseBank Montrose, Colo. 30.80 26.92 146,883 2.76 54.0
Security Bank of Southwest Missouri Cassville 30.80 34.50 63,449 2.73 52.6
109 Great Plains National Bank Elk City, Okla. 30.69 34.69 261,590 2.37 57.0
110 Fife Commercial Bank Wash. 30.63 25.66 84,071 2.51 52.5
111 Town and Country Bank of Missouri La Grange 30.60 29.85 23,058 2.66 47.6
112 Farmers State Bank of Underwood Minn. 30.50 25.29 37,479 2.27 53.8
113 First National Bank of Throckmorton Tex. 30.46 18.54 22,581 2.91 41.6
114 Community State Bank Galva, Ill. 30.44 12.09 65,003 2.52 67.2
115 Live Oak State Bank Dallas 30.40 30.37 92,865 2.71 48.1
116 First National Bank USA Boutte, La. 30.27 11.88 187,651 3.03 50.8
117 Crescent Bank and Trust New Orleans 30.24 20.48 352,466 3.13 58.3
118 Security Pacific Bank Los Angeles, Calif. 30.23 18.70 566,152 2.93 39.1
119 Covenant Bank Leeds, Ala. 30.18 29.75 74,655 2.07 58.1
120 Blue Ridge Savings Bank Inc. Asheville, N.C. 30.05 32.20 250,446 2.87 34.3
121 First National Bank of Coffee County Douglas, Ga. 30.00 29.33 124,369 2.47 52.6
122 Security State Bank of Howard Lake Minn. 29.96 33.10 85,214 2.56 39.6
123 First National Bank of Oneida Tenn. 29.90 25.82 193,457 2.23 44.4
124 Community Bank Bristow, Okla. 29.89 21.46 63,021 1.96 52.6
125 Bank National Association McAlester, Okla. 29.88 22.05 315,546 2.20 53.2
126 Commerce Bank Aurora, Colo. 29.84 21.75 96,413 2.64 58.1
127 NexBank SSB Dallas 29.83 4.01 149,595 5.26 68.7
128 State Bank of Southwest Missouri Springfield, Mo. 29.78 30.55 87,687 1.95 56.9
129 Security State Bank Odessa, Tex. 29.75 18.79 206,796 1.94 65.7
130 National Bank of Andrews Tex. 29.65 24.68 75,692 2.54 61.2
131 First Bank Burkburnett, Tex. 29.54 29.57 175,797 2.28 63.1
132 Helm Bank Miami, Fla. 29.51 29.07 421,179 1.99 55.3
133 Four Corners Community Bank Farmington 29.40 25.19 114,587 2.24 51.7
134 First Commercial Bank of Florida Orlando 29.35 23.21 631,699 1.88 34.6
135 Bank of Hemet Riverside, Calif. 29.34 28.36 385,015 2.62 45.3
136 Prior Lake State Bank Minn. 29.25 21.63 153,188 3.38 41.1
137 Quail Creek Bank Oklahoma City 29.23 26.89 317,570 2.58 46.8
138 Farmers and Merchants Bank Monticello, Fla. 29.21 28.20 384,593 2.48 49.3
First Bank of Roxton Texas 29.21 6.89 21,416 2.41 61.4
140 Douglas National Bank Ga. 29.16 21.10 110,909 2.51 48.6
141 Sunshine State Community Bank Port Orange, Fla. 29.15 28.23 157,694 2.33 54.0
142 Utah Community Bank Sandy 29.13 16.70 66,416 3.94 28.3
Home Federal Bank of Hollywood Hallandale Beach, Fla. 29.13 29.04 106,483 2.57 45.9
144 Palm Desert National Bank Calif. 29.05 11.53 319,886 2.54 70.4
145 Heritage Community Bank Glenwood, Ill. 29.02 26.48 295,709 2.70 48.0
146 First National Bank Arcadia, La. 28.95 25.35 119,074 2.03 62.8
147 Prinsburg State Bank Minn. 28.78 24.34 44,185 3.76 40.1
148 Community Bank Granbury, Tex. 28.73 24.15 372,394 2.57 60.3
First National Bank of Borger Tex. 28.73 18.50 39,706 3.01 49.4
150 First State Bank Scottsbluff, Neb. 28.67 26.61 197,661 2.41 47.3

*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, Charlottesbville, Va. (www.snl.com)

© 2006 American Banker
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