Community Banks and Thrifts with Highest Return on Average Equity

December 26, 2007, 10:08 a.m. EST 1 Min Read

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Community Banks and Thrifts with Highest Return on Average EquityIn the second quarter of 2007. Dollars in thousands Published December 26, 2007
Rank		Return on avg. equity		Assets	Return on avg. assets	Efficiency ratio
Rank		2Q 2007	Year earlier	Assets	Return on avg. assets	Efficiency ratio
1	Seattle Savings Bank	359.23%	48.48%	$895,286	56.87%
2	Lone Star State Bank Lone Star, Tex.	181.95	24.46	26,550	20.70
3	Conestoga Bank Chester Springs, Pa.	103.68	3.97	637,605	10.36
4	First National Bank of Monahans Tex.	103.58	26.12	251,938	7.51
5	NorthEast Community Bank White Plains, N.Y.	58.10	3.25	291,974	15.28
6	Columbian Bank and Trust Co. Topeka, Kan.	49.80	36.63	600,876	3.95
7	Charter Bank Corpus Christi, Tex.	49.52	46.43	137,733	2.86
8	Baytree National Bank and Trust Co. Lake Forest, Ill.	46.14	-22.44	236,310	2.60
9	Marshall Bank Hallock, Minn.	46.07	10.67	76,137	6.38
10	America West Bank Layton, Utah	45.45	39.03	218,213	4.04
11	First National Bank of Picayune Miss.	44.52	49.83	224,435	3.62
12	Bank of Baker Mont.	43.32	39.95	69,054	3.97
13	Eastern Savings Bank FSB Hunt Valley, Md.	42.03	45.45	991,558	5.99
14	Bank of Dade Trenton, Ga.	41.52	52.37	80,727	2.66
15	State Bank of Texas Irving	41.50	42.35	339,830	6.55
16	First National Bank Fabens, Tex.	41.07	45.58	224,974	3.48
17	Town and Country Bank of Springfield Ill.	40.51	7.77	245,594	5.69
18	Brighton Bank Salt Lake City	40.36	41.85	162,627	4.69
19	First National Bank Artesia, N.M.	39.25	40.87	503,904	2.59
20	Priority Bank Ozark, Ark.	39.04	26.35	45,915	2.71
21	Blue Ridge Savings Bank Inc. Asheville, N.C.	38.91	43.23	297,720	3.73
22	New Century Bank Munden, Kan.	37.88	63.69	19,225	3.58
23	First Bank and Trust Co. Wagoner, Okla.	37.87	39.85	163,324	3.60
24	National Bank of Harvey Harvey, N.D.	37.71	-33.26	57,888	4.09
25	Community Bank Longview, Tex.	37.12	36.56	77,660	2.53
26	United Security Bank Sparta, Ga.	36.95	43.77	133,120	2.64
27	Bank of the Southwest Roswell, N.M.	36.91	41.64	140,820	3.17
28	Texas Bank Brownwood	36.05	34.63	218,001	3.52
29	Pueblo Bank and Trust Co. Colo.	35.96	45.70	369,616	4.17
30	Bank of the Rio Grande Las Cruces, N.M.	35.87	38.52	113,874	3.55
31	Commercial Capital Bank Delhi, La.	35.56	34.44	31,464	4.40
32	Douglas County Bank Douglasville, Ga.	35.32	41.03	411,641	2.99
33	Citizens Bank of Las Cruces N.M.	35.15	35.63	322,653	2.65
34	Wilburton State Bank Okla.	34.79	27.23	54,004	2.23
35	Western National Bank Odessa, Tex.	34.74	34.04	754,327	2.63
36	Bank of Las Vegas N.M.	34.62	31.06	162,573	2.84
37	Central National Bank of Poteau Okla.	34.61	32.26	164,645	2.86
38	National Republic Bank of Chicago	34.55	32.84	752,140	3.33
39	Farmers and Merchants State Bank of Cawker City Kan.	34.52	20.54	14,874	2.79
40	Fife Commercial Bank Wash.	34.48	36.91	98,113	2.75
41	Bank Oberlin, Kan.	34.37	30.26	146,892	3.57
42	Arbor Bank Nebraska City	34.36	3.65	155,701	2.11
43	Justin State Bank Tex.	34.14	39.29	64,015	3.77
44	Century Bank Sarasota, Fla.	34.09	24.29	888,980	2.20
45	Central Illinois Bank Champaign	34.06	18.48	428,159	4.39
46	St. Martin Bank and Trust Co. St. Martinville, La.	34.03	32.30	200,118	3.02
47	South Lafourche Bank and Trust Co. Larose, La.	33.99	29.99	103,598	2.61
48	Bank of Bloomsdale Mo.	33.78	38.07	158,964	2.57
49	Southwest Bank Odessa, Tex.	33.72	33.62	118,802	2.08
50	Security State Bank Odessa, Tex.	33.62	35.35	221,774	2.36
51	American Bank Bozeman, Mont.	33.55	32.36	485,555	2.99
52	State Bank of New Richland Minn.	33.35	34.38	63,784	2.26
53	Bank of Lincolnwood Ill.	33.34	35.36	216,555	2.83
54	Bank Northwest Hamilton, Mo.	33.32	35.62	84,126	2.46
55	First State Bank Louise, Tex.	33.30	31.82	175,120	2.45
56	Central Bank and Trust Lander, Wyo.	33.06	31.44	106,283	2.12
57	Citizens Bank Amsterdam, Mo.	32.98	26.97	31,895	2.19
	Bank McAlester, Okla.	32.98	31.46	356,201	2.54
59	Commercial State Bank Andrews, Tex.	32.92	35.49	285,002	2.34
	Western Bank of Artesia N.M.	32.92	32.50	127,606	3.30
61	Town and Country Bank of Missouri La Grange	32.91	27.74	28,100	2.58
62	MontroseBank Montrose, Colo.	32.77	30.61	171,641	2.90
63	Security First National Bank of Hugo Okla.	32.73	28.14	106,986	2.53
64	Riverside Bank Sparkman, Ark.	32.67	43.03	52,077	2.53
65	Farmers and Merchants Bank of Kendall Wis.	32.61	35.32	47,593	2.80
66	Bank of St. Edward Neb.	32.60	27.68	38,775	7.66
67	National Bank of Andrews Tex.	32.57	37.72	85,527	2.85
68	Nebraska State Bank Oshkosh, Neb.	32.49	36.08	35,880	2.93
69	First Bank of Owasso Okla.	32.44	34.63	185,835	3.00
70	First Cherokee State Bank Woodstock, Ga.	32.41	28.84	319,439	3.30
71	Community Bank of the Arbuckles Sulphur, Okla.	32.27	20.93	71,786	2.06
72	Bank of St. Croix Christiansted, Virgin Islands	32.02	41.03	104,309	2.80
73	Citizens National Bank of Texas Waxahachie	31.63	28.70	451,398	3.22
74	Alamosa State Bank Colo.	31.62	30.36	120,167	2.87
75	Town and Country Bank of Quincy Ill.	31.61	30.11	108,369	2.67
76	Northwest Bank and Trust Co. Davenport, Iowa	31.56	9.96	199,453	2.47
77	Missouri Bank and Trust Co. Kansas City	31.41	31.27	291,852	2.50
78	South Georgia Bank Glennville	31.28	23.51	117,251	2.46
79	Delta Bank Vidalia, La.	31.24	22.24	173,400	2.06
80	Excel National Bank Beverly Hills	31.20	-8.48	83,283	3.29
81	State Bank of Countryside Ill.	31.15	41.76	978,118	3.16
82	Heritage Community Bank Glenwood, Ill.	31.06	36.64	311,489	2.91
83	Quail Creek Bank, Oklahoma City	30.99	28.99	369,192	2.58
84	First National Bank of Muskogee Okla.	30.78	32.51	114,849	2.02
85	Citizens State Bank of Waverly Inc. Minn.	30.74	25.28	54,949	2.61
86	First Bank of Chandler Okla.	30.73	28.05	64,698	2.97
87	Bank of Paxton Neb.	30.70	-204.93	18,037	3.69
88	First Bank Burkburnett, Tex.	30.59	34.94	201,273	2.40
89	Gulf Coast Bank and Trust Co. New Orleans	30.54	51.42	712,315	1.96
90	Brush Country Bank Freer, Tex.	30.51	28.13	34,783	2.87
91	State Central Bank Keokuk, Iowa	30.49	6.96	243,275	2.41
92	Peoples Bank Eatonton, Ga.	30.47	12.56	153,886	2.37
93	State Bank of Southwest Missouri Springfield	30.31	33.41	88,419	1.95
94	Armstrong Bank Muskogee, Okla.	30.26	17.55	408,608	2.92
95	Community National Bank Seneca, Kan.	30.25	27.63	205,638	1.69
96	First National Bank Hays, Kan.	30.24	32.08	82,612	2.60
97	Bank of Hydro Okla.	30.23	25.95	83,934	2.81
98	First State Bank Scottsbluff, Neb.	30.20	34.80	199,666	2.56
99	Security State Bank Centralia, Wash.	30.00	30.53	372,430	3.34
100	First Mountain Bank Leadville, Colo.	29.98	22.78	23,519	2.05
101	Hill-Dodge Banking Co. Warsaw, Ill.	29.89	28.05	31,864	2.71
102	Bank of St. Francisville La.	29.88	29.53	73,207	2.40
103	State Bank of Cokato Minn.	29.81	17.91	59,298	2.20
104	Chickasha Bank and Trust Co. Okla.	29.80	16.69	164,946	2.32
105	Town and Country Bank Midwest La Belle, Mo.	29.78	26.36	20,996	2.66
106	First Security Bank Beaver, Okla.	29.71	39.26	81,380	2.20
	First National Bank Layton, Utah	29.71	36.59	314,402	3.03
108	Vermillion State Bank Minn.	29.65	34.20	361,225	3.40
	Plains State Bank Tex.	29.65	16.71	21,293	3.93
110	First Citizens Bank of Butte Mont.	29.58	27.18	65,293	2.74
111	Peotone Bank and Trust Co. Ill.	29.48	34.39	135,981	2.43
112	Security Bank USA Bemidji, Minn.	29.41	31.52	90,584	2.58
113	First Bank and Trust Co. Lubbock, Tex.	29.35	20.29	350,054	2.10
	Citizens National Bank of Springfield Mo.	29.35	19.60	330,333	1.88
115	Bank of the West El Paso	29.28	28.94	641,635	2.32
116	Gunnison Valley Bank Utah	29.24	26.62	69,078	3.26
117	Commerce Bank Geneva, Minn.	29.21	28.49	156,229	4.02
118	Farmers and Merchants State Bank of Pierz Minn.	28.92	33.55	158,048	2.18
	United Bank Zebulon, Ga.	28.92	16.25	642,359	2.56
120	Flathead Bank of Bigfork Mont.	28.80	25.14	228,976	3.32
	First Western Bank Sturgis, S.D.	28.80	27.77	394,941	2.66
122	Bank of Steinauer Neb.	28.75	30.46	8,245	2.74
123	Utah Community Bank Sandy	28.71	33.21	75,547	4.11
124	Grand Timber Bank McGregor, Minn.	28.68	37.55	51,833	2.71
125	Centinel Bank of Taos N.M.	28.66	35.12	135,573	2.29
126	State Bank and Trust Co. Golden Meadow, La.	28.64	26.21	99,396	1.95
127	Bank Iowa Clarinda	28.63	29.90	95,824	2.14
128	High Desert State Bank Albuquerque	28.53	31.63	101,030	2.45
129	First National Bank of Albany Tex.	28.51	25.00	252,032	2.58
130	Durden Banking Co. Inc. Twin City, Ga.	28.46	26.95	152,103	2.67
131	Lusk State Bank Wyo.	28.29	28.69	33,849	2.39
132	Citizens State Bank of Milford Ill.	28.27	7.59	39,283	2.22
133	Bank of Hemet Riverside, Calif.	28.21	29.55	396,957	2.43
134	American Bank of the North Nashwauk, Minn.	28.15	28.82	539,786	2.27
135	Helm Bank Miami	28.14	20.96	498,828	1.98
136	Converse County Bank Douglas, Wyo.	28.07	27.12	219,418	2.26
137	Citizens National Bank at Brownwood Tex.	28.06	27.40	159,648	3.27
138	Interstate Bank Oak Forest, Ill.	28.05	54.20	193,399	2.86
139	Peoples State Bank Summit, S.D.	28.02	29.19	41,112	2.46
140	Bank of Commerce Chouteau, Okla.	27.91	28.47	31,505	2.65
141	Ultima Bank Minnesota Winger	27.88	16.12	72,198	2.42
142	First National Bank in Graham Tex.	27.83	23.93	167,418	2.39
143	Four Corners Community Bank Farmington, N.M.	27.82	26.86	142,084	2.09
144	Community Bank Summersville, Mo.	27.79	30.39	40,537	2.65
145	First Bank Wadley, Ala.	27.75	40.45	59,551	2.21
146	Sterling Bank Lantana, Fla.	27.73	39.79	395,923	2.44
147	North Valley Bank Thornton, Colo.	27.68	35.04	127,187	2.15
148	Security Bank Pawnee, Okla.	27.52	25.30	335,866	3.00
149	Citizens State Bank Grainfield, Kan.	27.49	24.68	9,512	3.07
150	First Federal Bank Dickson, Tenn.	27.40	26.23	460,196	1.99

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.