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Community Banks and Thrifts with Highest Return on Average Equity

February 29, 2008, 10:08 a.m. EST 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 EquityIn the third quarter of 2005. Dollars in thousands.
Published February 29, 2008
Rank   Return on avg. equity Assets Return on avg. assets Efficiency ratio
3Q 2005 Year earlier
1 Elysian Bank, Minn. 84.37% 41.48% $33,822 8.97% 16.69%
2 American Interstate Bank, Elkhorn, Neb. 81.47 27.97 95,691 7.07 11.58
3 City Bank, Lynnwood, Wash. 74.60 12.47 809,675 17.08 -81.96
4 Eastern Savings Bank FSB, Hunt Valley, Md. 56.40 54.94 778,802 9.24 30.76
5 Surety Bank, Fort Worth 52.56 -39.53 50,595 6.34 56.88
6 Charter Bank, Corpus Christi 51.48 51.33 126,376 3.03 54.83
7 City National Bank, Kilgore, Tex. 49.31 -0.29 154,356 4.97 35.96
8 First Southern National Bank, Lancaster, Ky. 48.89 13.20 685,681 3.47 59.79
9 Bank of Dade, Trenton, Ga. 47.91 41.46 74,700 3.11 45.60
10 First Coleman National Bank, Tex. 47.11 28.12 66,231 4.02 35.90
11 Commonwealth National Bank, Worcester, Mass. 46.29 1.55 233,376 3.29 79.10
12 Broadway Bank, Chicago 45.87 44.44 676,701 4.92 12.58
13 Priority Bank, Ozark, Ark. 42.09 51.26 39,347 3.55 60.35
14 Grand Timber Bank, McGregor, Minn. 41.89 41.44 45,836 3.44 38.39
15 Security Bank of Southwest Missouri, Cassville 40.91 36.09 63,099 3.64 42.10
16 InterBank, Elk City, Okla. 40.70 26.84 147,605 3.19 56.00
17 First National Bank of Picayune, Miss. 40.26 47.55 182,171 3.21 44.87
18 Interstate Bank, Oak Forest, Ill. 40.14 33.21 181,448 2.87 52.44
19 State Bank of Countryside, Ill. 39.71 32.65 977,166 3.66 25.61
20 First Bank and Trust Co., Wagoner, Okla. 39.59 35.28 144,504 3.50 35.56
21 Community South Bank, Parsons, Tenn. 39.23 12.08 298,262 3.98 66.58
22 SunSouth Bank, Dothan, Ala. 39.23 15.17 119,211 3.19 48.29
23 North Valley Bank, Thornton, Colo. 39.21 35.19 110,235 2.97 55.11
24 Community Bank Missoula, Mont. 38.73 30.14 80,441 3.26 45.30
25 Pueblo Bank and Trust Co., Colo. 38.48 33.00 355,605 3.95 51.83
26 Riverside Bank, Sparkman, Ark. 37.69 43.89 46,334 2.79 54.25
27 Citizens Bank of Las Cruces, N.M. 37.32 27.79 292,462 2.57 53.49
28 Bank of the Southwest, Roswell, N.M. 37.31 27.22 123,923 3.24 58.05
29 Southwest State Bank, Sentinel, Okla. 36.70 41.49 45,608 2.54 51.84
30 First State Bank, Louise, Tex. 36.62 34.19 140,640 2.82 56.77
31 First Federal Bank, Dickson, Tenn. 36.50 37.92 336,811 2.45 43.91
32 MontroseBank, Montrose, Colo. 36.49 32.06 136,909 3.10 48.74
33 Rural American Bank of Luck, Wis. 36.39 24.32 64,117 3.09 48.18
34 Douglas County Bank, Douglasville, Ga. 36.07 36.01 339,836 2.88 41.55
35 Rural American Bank, Braham, Minn. 35.95 15.14 40,746 2.98 49.67
36 First Valley Bank, Seeley Lake, Mont. 35.66 31.96 43,916 2.53 38.66
37 Missouri Bank and Trust Co., Kansas City, Mo. 35.57 24.43 257,995 2.65 52.38
38 Randall State Bank, Minn. 35.56 43.36 35,197 3.45 35.43
39 Farmers and Merchants State Bank of Pierz, Minn. 35.38 37.94 153,421 3.16 33.01
40 United Security Bank, Sparta, Ga. 35.34 36.45 108,448 2.45 43.54
41 Sterling Bank, Lantana, Fla. 35.11 28.63 301,277 2.78 44.26
42 State Bank of Southwest Missouri, Springfield 34.93 30.99 84,811 2.18 56.37
43 National Bank of Andrews, Tex. 34.89 19.51 74,209 3.05 55.30
44 Bank Northwest, Hamilton, Mo. 34.89 37.93 72,194 2.59 47.01
45 Bank of Wyoming, Thermopolis 34.87 35.82 66,761 2.58 50.65
46 First National Bank and Trust, Fort Walton Beach, Fla. 34.82 19.25 449,015 2.86 55.36
47 First Bank of Owasso, Okla. 34.67 32.73 190,491 2.78 45.93
48 Covenant Bank, Leeds, Ala. 34.31 17.72 73,057 2.41 54.68
49 Bank of Hemet, Riverside, Calif. 34.28 29.82 369,903 2.86 43.44
50 Citizens National Bank of Breckenridge, Tex. 34.16 20.82 70,155 2.91 40.17
51 NexBank SSB, Dallas 34.15 -0.50 108,203 8.60 27.57
52 Fife Commercial Bank, Wash. 34.13 30.73 79,170 2.82 47.83
53 Blue Ridge Savings Bank Inc., Asheville, N.C. 34.07 31.99 223,405 3.32 33.47
54 University National Bank, St. Paul 34.01 18.55 119,232 3.09 54.28
55 Community Bank, Longview, Tex. 33.99 35.75 63,533 2.54 62.34
56 Haverford Trust Co., Radnor, Pa. 33.87 31.24 131,662 4.36 74.51
57 Live Oak State Bank, Dallas 33.86 26.28 88,941 2.74 45.59
58 Palm Desert National Bank, Palm Desert, Calif. 33.78 11.53 305,787 3.48 70.66
59 Farmers National Bank of Seymour, Tex. 33.78 23.42 58,777 3.21 43.65
60 National Republic Bank of Chicago 33.63 38.37 502,533 4.35 22.15
61 Central National Bank of Poteau, Okla. 33.50 27.18 153,442 2.76 51.26
62 Farmers and Merchants Bank of Kendall, Wis. 33.39 33.06 36,246 2.72 49.06
63 Bank of Baker, Mont. 33.29 30.23 57,313 2.88 36.66
64 Columbian Bank and Trust Co., Topeka, Kan. 33.26 20.07 368,117 2.92 38.59
65 Union National Bank, Elgin, Ill. 32.99 42.31 336,480 3.38 22.69
66 Farmers and Merchants State Bank, Blooming Prairie, Minn. 32.94 27.28 54,785 2.56 52.36
67 First National Bank, Fabens, Tex. 32.90 31.62 198,197 2.79 45.52
68 First State Bank of Clearbrook, Minn. 32.89 15.72 25,655 3.58 50.88
69 Peoples Bank, Lawrence, Kan. 32.87 23.36 324,671 2.70 65.69
70 Premier Bank Minnesota, Farmington 32.84 16.83 174,547 2.37 53.32
71 Peotone Bank and Trust Co., Ill. 32.81 33.67 122,599 2.26 58.76
72 Vermillion State Bank, Minn. 32.80 32.59 313,209 3.59 26.59
73 Village Bank, St. Francis, Minn. 32.66 29.73 187,972 2.62 53.49
74 Citizens State Bank of Clara City, Minn. 32.58 36.46 168,245 2.77 36.75
75 Merchants and Farmers Bank, Comer, Ga. 32.40 25.89 124,108 3.43 48.93
76 First Bank, Burkburnett, Tex. 32.40 37.18 164,155 2.41 59.62
77 First Bank and Trust Co. of Illinois, Palatine 32.36 10.12 477,553 5.10 22.99
78 Graham National Bank, Tex. 32.33 19.98 92,680 2.98 49.83
79 Sundown State Bank, Tex. 32.33 27.86 77,124 2.30 56.33
80 Security First National Bank of Hugo, Okla. 32.30 30.03 93,596 2.30 37.76
81 Bank of Eastman, Ga. 32.18 26.43 217,541 2.50 51.40
82 Citizens Bank, Nashville, Ga. 32.06 23.45 161,083 2.48 42.66
83 Commerce Bank, Geneva, Minn. 32.01 28.73 125,363 3.75 27.64
84 Ultima Bank Minnesota, Winger, Minn. 31.91 26.18 54,929 2.46 53.45
85 Key West Bank, Fla. 31.90 27.60 106,766 2.87 38.26
86 Farmers and Merchants Bank, Monticello, Fla. 31.87 25.68 361,069 2.60 48.54
87 Town and Country Bank of Missouri, La Grange 31.84 26.08 22,337 2.71 51.69
88 Prior Lake State Bank, Minn. 31.65 22.51 166,956 3.30 40.28
89 High Trust Bank, Stockbridge, Ga. 31.47 30.11 22,571 3.35 72.15
90 First State Bank, Scottsbluff, Neb. 31.32 27.62 193,423 2.63 47.52
91 FirstBank, Antlers, Okla. 31.30 27.05 115,738 2.85 61.23
92 University National Bank of Lawrence, Kan. 31.29 30.57 96,854 3.45 42.34
93 Nebraska State Bank, Oshkosh 31.29 19.70 35,436 2.65 57.06
94 First National Bank of La Grange, Ill. 31.22 27.72 207,093 2.68 50.02
95 Alliance Bank, Lake City, Minn. 31.18 26.92 405,735 3.15 41.00
96 Heritage Community Bank, Glenwood, Ill. 31.18 19.64 296,896 2.84 46.91
97 First National Bank, Heavener, Okla. 31.04 28.16 79,579 2.32 44.53
98 First National Bank, Artesia, N.M. 31.03 29.25 389,468 2.22 57.80
99 Hill-Dodge Banking Co., Warsaw, Ill. 31.01 30.15 31,913 2.66 38.67
100 First Independent Bank of Wood Lake, Minn. 30.98 15.88 17,632 3.15 55.30
101 1st Bank and Trust, Broken Bow, Okla. 30.96 30.10 88,503 2.99 47.55
102 Bank of Bloomsdale, Mo. 30.94 34.24 152,385 2.30 38.26
103 Lusk State Bank, Wyo. 30.86 27.76 32,708 2.52 52.51
104 State Bank of Texas, Irving 30.84 37.40 212,543 4.40 24.71
105 First Bank of Chandler, Okla. 30.83 33.74 63,032 2.98 39.95
106 Capital Pacific Bank, Portland, Ore. 30.74 -10.89 65,225 6.15 84.27
107 State Bank of Bartley, Neb. 30.73 24.28 18,191 3.07 46.77
108 Quail Creek Bank , Oklahoma City 30.63 25.04 301,760 2.75 44.85
109 Centinel Bank of Taos, N.M. 30.61 24.29 128,762 2.23 59.86
110 Bank of Agriculture and Commerce, Stockton, Calif. 30.55 28.62 385,014 2.30 58.02
111 First Security Bank, Beaver, Okla. 30.54 12.33 70,578 1.98 44.62
112 Security Bank USA, Bemidji, Minn. 30.46 19.71 87,721 2.40 51.68
113 Bank of Commerce, Chouteau, Okla. 30.43 25.23 34,507 2.74 58.22
114 Gateway Bank FSB, San Francisco 30.37 22.20 401,329 2.29 93.01
115 Great Plains National Bank, Elk City, Okla. 30.36 33.96 244,794 2.42 54.55
116 First National Bank of Olney, Tex. 30.25 22.96 48,889 2.95 39.87
117 Dakota Heritage Bank of North Dakota, Hunter, N.D. 30.09 15.24 51,551 2.18 55.36
118 Haven Trust Bank, Duluth, Ga. 30.07 16.78 244,879 2.43 43.23
119 Produce State Bank, Hollandale, Minn. 30.03 11.67 27,939 4.03 42.51
120 Bank of Perry, Ga. 30.01 26.10 118,744 2.37 58.65
121 Helm Bank, Miami 30.00 28.84 385,898 2.06 55.12
122 Farmers State Bank, Faith, S.D. 29.99 29.66 39,094 2.44 54.24
123 Bank of Las Vegas, N.M. 29.97 24.44 142,916 2.50 46.25
124 Bank of Utah, Ogden 29.92 20.81 595,856 2.72 61.52
125 First Security National Bank, Norcross, Ga. 29.89 19.50 133,085 3.52 43.64
126 Gunnison Valley Bank, Utah 29.88 25.50 54,404 3.70 29.98
127 Central Bank, Stillwater, Minn. 29.71 26.76 344,316 2.42 53.73
128 Heritage State Bank, Lawrenceville, Ill. 29.61 21.09 75,052 2.50 41.55
129 Capital Bank, Fort Oglethorpe, Ga. 29.54 20.91 153,549 2.34 57.66
130 Ruby Valley National Bank, Twin Bridges, Mont. 29.53 30.38 59,968 3.22 49.74
131 InvestorsBank, Pewaukee, Wis. 29.53 39.53 277,307 2.46 25.85
132 Coffee County Bank, Manchester, Tenn. 29.49 39.47 92,959 2.37 46.00
133 Bank of St. Croix, Christiansted, Virgin Islands 29.41 31.12 85,527 2.61 47.40
134 Home Federal Bank of Hollywood, Hallandale Beach, Fla. 29.36 27.53 109,590 2.54 44.95
135 Riverbend Bank, Fort Worth 29.35 24.82 39,379 2.37 66.82
136 Peoples State Bank, Cherryvale, Kan. 29.32 21.42 15,774 6.25 31.84
137 Bank of Lincolnwood, Ill. 29.28 23.06 208,357 2.67 53.71
138 Western Springs National Bank and Trust, Ill. 29.27 30.85 184,218 2.46 46.24
139 Marseilles Bank, Ill. 29.26 29.01 32,074 2.36 51.56
140 First Financial Bank, El Dorado, Ark. 29.25 26.74 474,246 2.53 53.57
141 Sunshine State Community Bank, Port Orange, Fla. 29.24 20.24 135,816 2.51 52.64
142 Town and Country Bank of Quincy, Ill. 29.21 27.22 110,469 2.51 41.84
143 Dairyland State Bank, Bruce, Wis. 29.21 31.49 35,063 2.18 60.83
144 Seattle Savings Bank 29.20 10.75 321,547 2.92 81.13
145 Bank of St. Elizabeth, Mo. 29.19 14.44 49,114 3.64 38.99
146 Home State Bank, Louisville, Neb. 29.19 25.73 68,730 2.92 40.82
147 First National Bank of Coffee County, Douglas, Ga. 29.11 25.15 126,334 2.44 54.36
148 First Option Bank, Osawatomie, Kan. 29.08 24.52 124,475 2.31 71.80
149 State Bank of Tower, Minn. 28.93 21.90 49,570 2.24 63.18
150 Silver State Bank, Henderson, Nev. 28.92 21.88 790,235 2.52 35.82

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
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