Community Banks and Thrifts with Highest Return on Average Equity

April 27, 2007, 10:08 a.m. EDT 1 Min Read

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Community Banks and Thrifts with Highest Return on Average Equity
In the fourth quarter of 2006. Dollars in thousands Published April 27, 2007
Rank		Return on avg. equity		Assets	Return on avg. assets	Efficiency ratio
Rank		4Q 2006	Year earlier	Assets	Return on avg. assets	Efficiency ratio
1	First National Bank of Grant Park Ill.	163.50%	10.02%	$112,069	21.32%	79.27%
2	Independent Bankers Bank of Florida Lake Mary	82.78	11.42	373,050	7.56	22.56
3	Farmers State Bank Marion, S.D.	72.12	4.44	93,179	5.52	65.85
4	Grand Bank of Texas Grand Prairie	70.90	22.50	98,874	5.26	46.54
5	Union Bank and Trust Co. Monticello, Ark.	65.80	-42.77	175,479	5.07	88.93
6	Flagship Bank Minnesota Wayzata	64.27	15.25	106,033	6.70	37.70
7	First Southern Bank Florence, Ala.	61.34	11.34	103,608	6.24	72.94
8	CedarStone Bank Lebanon, Tenn.	59.56	-0.45	91,157	4.78	85.87
9	Broadway Bank Chicago	53.58	49.02	946,818	6.10	14.24
10	Unity Bank Rush City, Minn.	52.30	14.10	149,392	3.58	70.62
11	Charter Bank Corpus Christi, Tex.	47.37	67.04	132,282	2.73	50.47
12	Columbian Bank and Trust Co. Topeka, Kan.	47.10	34.83	528,816	4.08	26.24
13	Brighton Bank Salt Lake City	44.77	42.34	166,441	5.02	42.15
14	First National Bank of Lindsay Okla.	43.71	-64.50	25,696	3.05	168.31
15	Bank of Dade Trenton, Ga.	43.25	44.96	76,007	2.88	48.79
16	Haviland State Bank Haviland, Kan.	43.00	8.26	21,593	4.89	54.01
17	Grand Timber Bank McGregor, Minn.	42.90	36.19	50,009	3.84	38.82
18	Equity Bank, SSB Dallas	42.66	-0.79	146,449	3.73	32.38
19	Eastern Savings Bank FSB Hunt Valley, Md.	42.59	44.24	980,325	6.04	34.51
20	Seattle Savings Bank Seattle	42.39	25.57	609,651	3.85	65.01
21	Gulf Coast Bank and Trust Co. New Orleans	42.09	-75.98	661,039	2.64	62.72
22	Landmark Community Bank Pittston, Pa.	41.62	-13.65	129,703	3.85	93.31
23	La Plata State Bank Kirksville, Mo.	40.98	6.47	77,957	5.39	-56.14
24	North Country Bank McClusky, N.D.	40.82	7.52	47,358	3.57	65.89
25	Texas Bank Brownwood	40.58	27.94	208,680	4.00	47.64
26	State Bank of Texas Irving	39.77	48.07	303,829	5.54	25.40
27	Bank of Lincolnwood Ill.	38.64	29.36	237,702	3.23	46.60
28	Blue Ridge Savings Bank Inc. Asheville, N.C.	38.47	35.67	298,938	3.62	25.89
29	America West Bank Layton, Utah	38.21	28.01	185,435	3.14	9.03
30	State Bank of Southwest Missouri Springfield	37.95	34.77	88,400	2.37	51.40
31	First National Bank of Picayune Miss.	37.93	38.31	227,618	2.89	48.84
32	North Valley Bank Thornton, Colo.	37.65	31.12	115,828	3.10	53.25
33	First National Bank of Davis Okla.	37.14	19.33	62,849	2.99	41.25
34	Douglas County Bank Douglasville, Ga.	36.96	33.02	400,345	2.97	37.82
35	Basile State Bank La.	36.42	14.68	40,415	3.73	49.29
36	Citizens Bank of Las Cruces N.M.	36.21	36.51	320,990	2.67	52.14
37	Pueblo Bank and Trust Co. Colo.	36.03	46.13	360,483	4.23	48.16
38	Wilburton State Bank Okla.	35.96	22.47	52,959	2.39	51.96
39	Buffalo Savings Bank Iowa	35.76	10.79	40,102	3.92	69.97
40	Red Mountain Bank Birmingham, Ala.	35.47	-8.78	180,354	3.29	80.02
41	First National Bank Fabens, Tex.	35.46	27.40	220,568	2.86	51.43
42	Meetinghouse Co-operative Bank Dorchester, Mass.	35.26	2.81	47,705	2.95	114.49
43	Community National Bank Seneca, Kan.	35.18	16.86	195,070	1.94	53.10
44	Lakeside State Bank Oologah, Okla.	35.10	2.65	47,133	2.84	79.55
45	First National Bank and Trust Co. Powell, Wyo.	34.92	19.09	256,182	2.62	51.71
46	First Bank of Owasso Okla.	34.83	35.47	184,443	3.15	48.39
47	First National Bank Layton, Utah	34.61	29.32	315,340	3.39	46.05
48	First Security Bank Beaver, Okla.	34.44	21.47	85,478	2.44	41.21
49	FirstCity Bank Stockbridge, Ga.	34.14	4.12	205,844	2.84	48.28
50	National Bank of Andrews Tex.	33.99	32.74	83,368	2.99	59.79
51	Bank Star One Fulton, Mo.	33.92	9.78	98,743	2.53	43.90
52	Lusk State Bank Wyo.	33.81	28.47	33,927	2.84	50.00
53	Fife Commercial Bank Wash.	33.70	28.28	87,409	2.74	53.34
54	Sterling Bank Lantana, Fla.	33.42	34.24	372,230	2.95	41.17
55	First State Bank of Joplin Mo.	33.14	26.15	138,635	3.18	62.06
56	First Savanna Savings Bank Ill.	32.76	0.42	11,436	5.61	117.11
57	South Lafourche Bank and Trust Co. Larose, La.	32.70	12.90	107,466	2.39	44.53
58	Bank of Baker Mont.	32.67	27.84	67,739	2.88	44.55
59	Live Oak State Bank Dallas	32.51	32.95	104,815	2.89	43.51
60	First Bank Burkburnett, Tex.	32.47	25.11	188,156	2.54	59.91
61	Bank of Inverness Fla.	32.37	32.48	225,468	1.81	57.79
62	Heritage Community Bank Glenwood, Ill.	32.34	35.30	314,405	2.91	43.67
63	First State Bank Scottsbluff, Neb.	32.30	37.49	203,205	2.72	40.65
64	Croydon Savings Bank Pa.	32.28	2.24	10,511	3.40	60.76
65	United Security Bank Sparta, Ga.	31.90	27.84	129,867	2.43	41.93
66	Security First National Bank of Hugo Okla.	31.81	29.74	101,393	2.28	42.33
	Bank Northwest Hamilton, Mo.	31.81	33.02	80,204	2.27	53.19
68	Missouri Bank and Trust Co. Kansas City	31.76	34.91	292,619	2.41	56.64
69	MontroseBank Colo.	31.70	29.66	164,749	2.74	51.20
	Bank of Bloomsdale Mo.	31.70	30.84	159,016	2.42	41.41
71	Bank of St. Francisville La.	31.62	26.31	67,201	2.42	63.94
72	Citizens State Bank Grainfield, Kan.	31.60	9.44	8,482	3.16	51.01
73	Peoples Bank Tulsa	31.48	22.80	79,765	2.31	61.46
74	Farmers and Merchants Bank of Kendall Wis.	31.47	34.90	46,336	2.53	49.66
75	Security Bank of Southwest Missouri Cassville	31.45	36.64	65,460	2.85	48.22
76	First Bank and Trust Co. Wagoner, Okla.	31.25	26.43	167,635	3.11	42.31
77	CenterBank Milford, Ohio	31.08	3.92	62,828	2.65	41.53
78	Bank of Hemet Riverside, Calif.	31.07	31.91	394,203	2.75	46.20
79	Randall State Bank Minn.	31.05	32.34	35,704	3.42	36.05
80	Brush Country Bank Freer, Tex.	30.98	32.94	35,416	2.78	52.25
81	Peak National Bank Nederland, Colo.	30.81	25.14	207,613	2.95	53.71
	United Bank of Union Mo.	30.81	29.39	240,632	2.58	43.47
83	First Bank Wadley, Ala.	30.66	21.58	59,310	2.43	47.99
84	First National Bank Artesia, N.M.	30.65	28.76	478,917	2.14	62.57
85	BankFirst Sioux Falls, S.D.	30.64	21.79	618,354	3.90	62.52
86	Bank Iowa Clarinda	30.57	29.96	99,755	2.20	46.95
87	Bank of Commerce Chouteau, Okla.	30.48	34.56	32,977	2.89	58.00
88	Centennial Bank Ogden, Utah	30.42	22.20	196,954	3.14	53.48
89	Western Springs National Bank and Trust Ill.	30.14	28.77	203,159	2.69	43.33
90	Kaw Valley State Bank Eudora, Kan.	30.06	23.14	41,138	1.93	61.34
91	Bank of the Rio Grande Las Cruces, N.M.	29.98	21.81	111,119	2.98	60.12
92	Riverside Bank Sparkman, Ark.	29.96	39.12	48,933	2.36	59.69
93	PrimeSouth Bank Tallassee, Ala.	29.80	18.79	139,801	2.77	38.06
94	Santa Cruz County Bank Calif.	29.76	2.55	132,485	4.00	72.32
95	First Madison Valley Bank Ennis, Mont.	29.75	28.86	83,226	2.28	58.07
96	Bank of the West El Paso	29.70	28.06	635,874	2.43	53.41
97	Continental Bank Salt Lake City	29.68	13.93	73,186	3.98	30.56
98	American Bank Bozeman, Mont.	29.67	32.69	464,717	2.75	51.80
99	Chesapeake Bank and Trust Co. Chestertown, Md.	29.66	26.09	90,288	3.09	41.45
100	Bankwest of Kansas Goodland, Kan.	29.59	2.63	87,168	3.74	72.97
101	Western National Bank Odessa, Tex.	29.55	24.34	744,463	2.33	49.58
102	Community Resource Bank Orangeburg, S.C.	29.53	19.45	575,512	1.93	63.80
103	State Bank of New Richland Minn.	29.52	30.02	59,353	2.20	54.56
104	Paducah Bank and Trust Co. Ky.	29.51	23.91	423,255	2.45	58.56
105	Venture Bank Bloomington, Minn.	29.44	20.76	172,253	2.63	52.20
106	First Cherokee State Bank Woodstock, Ga.	29.43	26.59	333,878	2.54	55.59
107	First Community Bank of Central Alabama Wetumpka	29.42	20.18	176,867	2.15	53.29
108	Bank of the Southwest Roswell, N.M.	29.27	34.28	132,116	2.62	64.76
109	Flathead Bank of Bigfork Bigfork, Mont.	29.15	24.94	227,638	3.14	44.27
110	Farmers State Bank Booneville, Ky.	29.08	16.71	45,185	2.43	48.61
111	Central National Bank of Poteau Okla.	29.07	29.54	160,775	2.44	55.49
112	Produce State Bank Hollandale, Minn.	29.02	25.43	31,164	4.08	31.03
113	South Georgia Banking Co. Tifton	29.00	12.80	335,935	2.34	57.96
114	Town and Country Bank of Missouri La Grange	28.98	22.21	26,153	2.33	52.87
115	Commerce Bank Aurora	28.90	31.74	96,797	2.64	60.49
116	Quail Creek Bank Oklahoma City	28.85	26.28	369,048	2.36	48.86
117	Bank of Hydro Okla.	28.84	19.70	79,709	2.81	43.14
118	Converse County Bank Douglas, Wyo.	28.76	21.67	214,318	2.29	44.34
119	Bank of Bonifay Fla.	28.74	29.28	200,870	2.32	52.39
	Nevada Commerce Bank Las Vegas	28.74	15.87	148,852	2.66	43.68
121	Eitzen State Bank Minn.	28.71	24.74	47,630	2.73	42.75
122	Durden Banking Co. Inc. Twin City, Ga.	28.68	20.37	137,347	2.63	45.60
123	Prior Lake State Bank Minn.	28.66	28.01	162,621	3.59	40.35
124	First National Bank Heavener, Okla.	28.61	32.00	85,516	2.00	49.57
125	Bank of Utah Ogden	28.54	27.22	676,162	2.58	54.54
126	Security Bank Minnesota Albert Lea	28.43	7.13	72,907	2.50	48.40
127	Citizens Bank Nashville, Ga.	28.40	61.47	253,258	2.63	47.86
128	Vermillion State Bank Minn.	28.39	32.68	354,099	3.34	26.64
129	American State Bank and Trust Co. of Williston N.D.	28.38	28.10	229,360	1.77	55.89
130	State Bank and Trust Co. Golden Meadow, La.	28.35	20.14	90,757	1.90	64.52
131	High Desert State Bank Albuquerque	28.29	15.80	100,773	2.38	45.67
	American Bank of the North Nashwauk, Minn.	28.29	26.25	490,861	2.26	46.04
133	First Commercial Bank Bloomington, Minn.	28.27	21.27	174,528	2.27	35.25
134	Farmers and Merchants State Bank of Pierz Minn.	28.17	33.09	156,955	2.53	42.95
135	St. Martin Bank and Trust Co. La.	28.16	26.70	200,051	2.41	58.87
136	Merchants and Farmers Bank Comer, Ga.	28.13	28.47	136,176	3.25	48.88
	Peoples Bank of Louisiana Amite	28.13	34.44	102,610	2.09	60.01
138	Lakeside Bank of Salina Okla.	28.12	24.85	23,924	3.11	43.30
139	Community Bank Missoula Mont.	28.08	33.98	77,623	2.68	49.76
	Homosassa Springs Bank Fla.	28.08	33.90	62,181	1.82	59.89
141	FirsTier Bank Kimball, Neb.	28.06	19.53	193,616	3.28	48.66
142	Bank Oberlin, Kan.	28.01	27.24	148,084	2.77	39.21
	First National Bank USA Boutte, La.	28.01	0.50	222,511	2.75	55.55
144	First Bank of Roxton Texas	28.00	34.03	22,277	2.31	61.33
145	Miami Valley Bank Lakeview, Ohio	27.90	47.65	170,242	2.31	39.48
146	Central Bank and Trust Co. Hutchinson, Kan.	27.86	11.40	234,251	2.12	57.13
	First Federal Bank Dickson, Tenn.	27.86	30.66	422,719	2.12	46.37
148	Farmers Bank Ault, Colo.	27.84	27.42	146,475	2.92	36.80
149	Security State Bank Odessa, Tex.	27.83	28.94	211,395	1.92	64.99
150	Home State Bank Louisville, Neb.	27.79	30.43	72,392	2.86	37.63

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. Negative efficiency ratios reflect declines in full-year noninterest expenses from those reported through nine months.

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