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Community Banks and Thrifts with Highest Return on Average Equity

Published March 13, 2008, 10:08 a.m. EDT
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Updated January 02, 1970, 9:08 a.m. EST
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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 first quarter of 2007. Dollars in thousands.
Published March 13, 2008
Rank   Return on avg. equity Assets Return on avg. assets Efficiency ratio
1Q 2007 Year earlier
1 Oak Bank Chicago 240.58% 6.76% $182,245 31.30% 5.37%
2 Bank of St. Edward Neb. 95.27 41.31 40,196 20.22 13.38
3 Peoples National Bank Colorado Colorado Springs 70.93 21.69 153,342 8.09 35.66
4 Bank of Paxton Neb. 69.84 -754.61 17,522 7.14 30.77
5 Columbian Bank and Trust Co. Topeka, Kan. 54.74 41.15 579,809 4.48 22.71
6 HarVest Bank of Maryland Rockville 54.32 -26.90 113,056 7.01 117.29
7 ACB Bank Cherokee, Okla. 51.20 28.55 46,459 4.32 30.00
8 Justin State Bank Tex. 48.82 38.23 61,389 5.03 35.99
9 Bank of Dade Trenton, Ga. 47.49 42.39 80,360 3.16 50.71
10 First Credit Bank Los Angeles 46.46 22.77 318,083 12.51 5.05
11 America West Bank Layton, Utah 46.31 26.49 207,613 4.02 35.93
12 Excel National Bank Beverly Hills 45.87 -9.73 63,657 5.28 94.29
13 Bank of the Southwest Roswell, N.M. 45.73 33.79 147,286 3.88 54.88
14 Seattle Savings Bank 45.66 20.67 634,164 4.56 62.39
15 Broadway Bank Chicago 45.38 41.86 950,623 5.61 10.74
16 State Bank of Lebo Lebo, Kan. 44.33 32.52 28,657 3.51 48.63
17 Charter Bank Corpus Christi 43.84 53.28 144,240 2.61 53.97
18 First National Bank Fabens, Tex. 43.02 40.50 232,821 3.57 38.95
19 First National Bank of Picayune Miss. 43.01 48.71 221,249 3.56 39.04
20 Brighton Bank Salt Lake City 42.35 41.03 176,172 5.14 42.58
21 First National Bank and Trust Co. of Weatherford Tex. 40.35 63.23 187,294 3.23 36.70
22 Quail Creek Bank Oklahoma City 39.57 29.23 359,244 3.30 32.35
23 Security First National Bank of Hugo Okla. 39.05 37.95 104,348 2.84 35.80
24 Pueblo Bank and Trust Co. Colo. 38.31 37.57 379,344 4.51 49.42
25 Vermont State Bank Ill. 38.04 28.17 10,784 3.90 33.96
26 First National Bank Artesia, N.M. 38.02 36.23 493,106 2.70 53.28
27 Bank of Baker Mont. 37.81 34.64 65,899 3.54 31.66
28 State Bank of Texas Irving 37.05 28.21 320,575 5.68 21.02
29 Bank of the Rio Grande Las Cruces, N.M. 36.65 32.64 111,377 3.44 53.61
30 PrimeSouth Bank Tallassee, Ala. 36.21 31.60 143,664 3.41 32.57
31 Community Bank Longview, Tex. 35.99 32.97 76,208 2.58 60.69
32 Farmers and Merchants Bank of Kendall Wis. 35.55 32.59 47,642 3.08 39.64
33 Neighborhood National Bank Alexandria, Minn. 35.27 1.24 49,489 2.85 92.15
34 Grand Timber Bank McGregor, Minn. 35.25 35.69 50,153 3.32 35.20
35 Town and Country Bank of Missouri La Grange 35.13 30.60 27,472 2.72 41.40
36 Covenant Bank Leeds, Ala. 35.10 30.18 80,214 2.52 55.10
37 Nebraska State Bank Oshkosh 35.02 38.53 34,732 3.19 49.30
38 St. Martin Bank and Trust Co. St. Martinville, La. 34.73 32.22 205,077 2.98 49.31
39 First Kansas Bank and Trust Co. Gardner 34.41 36.80 89,954 1.95 54.69
40 Security Bank of Southwest Missouri Cassville 34.41 30.80 65,676 3.16 46.16
41 Gulf Coast Bank and Trust Co. New Orleans 34.07 41.91 667,988 2.21 65.38
42 First Bank and Trust Co. Wagoner, Okla. 33.87 36.71 161,248 3.33 36.87
43 Bank of St. Francisville La. 33.83 27.19 71,815 2.58 58.63
44 Bank of Las Vegas 33.78 32.64 149,086 2.72 46.77
45 National Republic Bank of Chicago 33.78 34.26 690,568 3.49 26.75
46 Central National Bank of Poteau Okla. 33.58 34.88 162,177 2.80 50.12
47 Bank of St. Croix Christiansted, Virgin Islands 33.43 31.06 97,231 2.99 42.36
48 First Bank of Owasso Okla. 33.16 32.00 183,791 3.09 49.31
49 Riverside Bank Sparkman, Ark. 32.81 37.98 49,418 2.55 58.21
50 Emerald Bank Burden, Kan. 32.75 9.63 13,018 2.51 85.47
51 South Lafourche Bank and Trust Co. Larose, La. 32.71 0.51 107,989 2.38 54.94
52 Citizens Bank of Las Cruces N.M. 32.67 32.78 317,855 2.43 54.31
53 Centinel Bank of Taos N.M. 32.53 31.62 138,848 2.45 57.92
54 First Capital Bank Guthrie, Okla. 31.74 22.68 101,407 2.13 69.53
55 Texas Bank Brownwood 31.73 26.29 219,095 3.16 52.55
56 Bank of Hemet Riverside, Calif. 31.65 29.34 402,391 2.72 43.06
57 Bank of Bloomsdale Mo. 31.52 35.02 164,789 2.44 40.19
58 Central Bank and Trust Lander, Wyo. 31.28 34.59 100,343 2.11 49.00
59 Town and Country Bank of Quincy Quincy, Ill. 31.24 35.19 114,536 2.87 42.13
60 Missouri Bank and Trust Co. Kansas City 31.14 33.85 290,381 2.42 55.77
61 New Century Bank Munden, Kan. 31.10 -5.80 17,696 3.13 64.92
62 First State Bank Scottsbluff, Neb. 31.01 28.67 199,326 2.61 43.18
63 Security State Bank Odessa, Tex. 31.00 29.75 211,941 2.19 65.13
64 Utah Community Bank Sandy 30.92 29.13 69,901 4.43 26.26
65 Security State Bank Centralia, Wash. 30.86 27.10 370,571 3.32 52.42
66 First National Bank Layton, Utah 30.81 27.16 310,162 3.16 50.08
67 Bank Oberlin, Kan. 30.71 27.37 147,760 3.11 33.37
68 Farmers State Bank and Trust Co. Church Point, La. 30.67 20.15 71,013 2.60 53.82
69 Interstate Bank Oak Forest, Ill. 30.62 40.34 193,473 3.07 54.12
70 First Bank Burkburnett, Tex. 30.57 29.54 197,878 2.42 60.65
71 Prime Alliance Bank Woods Cross, Utah 30.51 17.32 105,694 7.62 56.39
72 FirstCity Bank Stockbridge, Ga. 30.35 32.19 224,682 2.52 49.90
73 Louisville Community Development Bank Ky. 30.29 -19.53 33,160 4.57 53.08
74 Brush Country Bank Freer, Tex. 30.28 23.59 39,406 2.47 54.67
75 State Bank of New Richland Minn. 30.28 38.13 58,878 2.21 45.44
76 Alamosa State Bank Colo. 30.19 23.58 121,464 2.82 46.90
77 Sterling Bank Lantana, Fla. 30.17 35.61 362,942 2.70 46.79
78 United Security Bank Sparta, Ga. 29.97 35.55 134,212 2.17 46.71
79 State Bank of Southwest Missouri Springfield 29.79 29.78 86,922 1.92 58.33
80 Farmers and Merchants State Bank of Cawker City Kan. 29.72 21.85 14,494 2.38 48.48
81 HomeStar Bank Manteno, Ill. 29.69 9.05 454,722 2.26 62.65
82 First Community Bank of Central Alabama Wetumpka 29.63 13.44 190,070 2.18 53.10
83 Merchants and Farmers Bank Co.mer, Ga. 29.38 27.73 141,153 3.54 47.25
84 Lusk State Bank Wyo. 29.36 26.77 33,230 2.60 54.85
85 First National Bank Heavener, Okla. 29.29 33.52 89,045 2.06 49.19
86 Gunnison Valley Bank Utah 29.28 24.03 62,561 3.32 34.83
87 First National Bank of Elkhart Kan. 29.06 12.12 60,241 2.94 61.52
88 Hill-Dodge Banking Co. Warsaw, Ill. 29.01 28.45 31,680 2.58 43.44
89 Vermillion State Bank Minn. 28.93 31.71 361,116 3.40 26.04
90 Buffalo Ridge Bank Beardsley, Minn. 28.83 24.51 32,083 2.44 46.25
91 MontroseBank Montrose, Colo. 28.78 30.80 172,085 2.53 52.73
92 Live Oak State Bank Dallas, Tex. 28.73 30.40 115,370 2.67 45.53
93 Farmers Bank Carnegie, Okla. 28.58 24.36 43,384 3.09 47.32
94 Fife Commercial Bank Wash. 28.50 30.63 91,397 2.32 54.16
95 Bank Northwest Hamilton, Mo. 28.41 32.23 82,708 2.04 55.04
96 Lamar Bank and Trust Co. Mo. 28.38 26.77 112,042 2.60 46.55
97 Coleman County State Bank Tex. 28.34 12.72 52,182 2.58 60.50
98 Durden Banking Co. Inc. Twin City, Ga. 28.29 31.37 146,945 2.65 48.03
99 First Citizens Bank of Butte Mont. 28.20 18.79 64,228 2.53 59.13
100 Community Bank of Louisiana Mansfield 28.17 25.74 141,583 1.83 63.63
101 First Security Bank Beaver, Okla. 28.14 34.68 84,097 2.11 45.63
102 First State Bank Louise, Tex. 28.13 26.08 167,308 2.17 59.18
103 National Bank of Andrews Tex. 28.12 29.65 84,539 2.51 64.68
104 Elysian Bank Minn. 28.09 34.97 31,603 2.83 42.96
105 North Valley Bank Thornton, Colo. 28.09 34.15 122,193 2.31 59.21
106 Security Bank Pawnee, Okla. 28.05 22.97 328,163 3.29 24.03
107 Farmers-Merchants Bank and Trust Co. Breaux Bridge, La. 27.96 31.77 210,219 2.56 47.54
108 Citizens State Bank Grainfield, Kan. 27.94 22.00 8,423 2.90 50.38
109 First National Bank in Graham Tex. 27.89 22.37 164,619 2.48 52.36
110 Citizens National Bank at Brownwood Tex. 27.78 25.97 162,344 3.23 42.02
111 Town and Country Bank Midwest La Belle, Mo. 27.76 28.44 23,026 2.45 45.14
112 Peoples Bank of Greensboro Ala. 27.75 16.93 67,571 3.06 34.76
113 Randall State Bank Minn. 27.50 25.49 34,905 3.22 40.51
114 South Georgia Bank Glennville, Ga. 27.48 21.74 110,984 2.16 53.56
115 Bank of Kremlin Okla. 27.38 24.84 176,175 2.74 47.42
116 Commerce Bank Aurora, Colo. 27.37 29.84 103,548 2.50 60.85
117 First Bank of Chandler Okla. 27.14 25.43 66,308 2.68 44.46
118 First Bank Wadley, Ala. 27.09 40.49 60,351 2.19 50.57
119 First Community Bank Savage, Minn. 27.04 26.33 114,539 2.55 40.37
120 High Desert State Bank Albuquerque 26.96 23.09 101,371 2.30 50.56
121 Heritage Community Bank Glenwood, Ill. 26.94 29.02 318,855 2.52 48.69
122 PrinsBank Prinsburg, Minn. 26.84 28.78 45,804 3.53 44.56
123 Southwest Bank Odessa, Tex. 26.79 27.42 121,508 1.70 64.69
124 United Bank of Union Mo. 26.77 24.96 251,865 2.21 49.49
125 Western Bank Lordsburg, N.M. 26.73 27.59 102,508 2.54 53.68
126 First National Bank of Albany Tex. 26.70 24.89 260,550 2.70 39.51
127 Citizens Bank Nashville, Ga. 26.56 30.97 252,680 2.54 48.52
128 Peoples State Bank Summit, S.D. 26.52 27.89 41,532 2.28 45.55
129 Cowboy State Bank Ranchester, Wyo. 26.47 8.80 41,098 2.39 55.19
130 First National Bank of Muskogee Okla. 26.39 25.20 115,462 1.77 65.08
131 Great Plains National Bank Elk City, Okla. 26.33 30.69 299,368 2.02 56.67
132 Guaranty Bank and Trust Co. of Delhi La. 26.33 20.83 99,942 2.75 52.03
133 Drayton State Bank N.D. 26.30 25.76 40,667 2.98 38.22
134 State Bank and Trust Co. Golden Meadow, La. 26.30 22.72 100,300 1.82 64.13
135 State Bank of Bartley Bartley, Neb. 26.14 25.24 22,928 3.02 47.77
136 Vermilion Bank and Trust Co. Kaplan, La. 26.13 17.97 78,380 2.15 61.40
137 First State Bank Wilmot, S.D. 26.12 20.64 42,398 2.26 41.88
138 Flathead Bank of Bigfork Mont. 26.12 25.19 233,683 3.05 48.49
139 Farmers and Merchants Bank of Hill City Kan. 26.11 31.57 35,250 3.08 44.53
140 Commercial State Bank Andrews, Tex. 26.08 24.43 266,001 1.87 49.49
141 Lone Star State Bank Tex. 26.06 21.95 38,208 1.99 55.96
142 Citizens Bank of Edina Mo. 26.02 23.20 67,846 2.22 33.26
143 RiverBank Wyoming, Minn. 25.98 16.25 445,794 2.08 53.69
144 Citizens National Bank of Texas Waxahachie 25.97 23.96 438,245 2.59 62.92
145 Citizens State Bank of Clara City Minn. 25.93 26.49 263,376 2.25 47.37
146 Union Bank of Mena Mena, Ark. 25.93 43.31 145,316 2.05 62.44
147 Haven Trust Bank Duluth, Ga. 25.91 37.47 380,252 2.38 52.90
148 First National Bank USA Boutte, La. 25.82 30.27 230,981 2.53 55.90
149 Citizens State Bank of Waverly Inc. Minn. 25.80 25.21 48,944 2.27 62.87
150 Covington County Bank Andalusia, Ala. 25.80 31.07 267,082 2.22 50.96

Note: Independent banks 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. Thrifts were excluded.

Source:

SNL Financial
, Charlottesville, Va.

© 2008 American Banker

Community banking