Community Banks and Thrifts with Highest Return on Average Equity

November 30, 2006, 10:08 a.m. EST 1 Min Read

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Community Banks and Thrifts with Highest Return on Average Equity
In the second quarter of 2006. Dollars in thousands Published November 30, 2006
		Return on avg. equity			Return on avg. assets	Efficiency ratio
Rank		2Q 2006	Year earlier	Assets	Return on avg. assets	Efficiency ratio
1	First State Bank Yukon, Okla.	95.34%	16.92%	$15,452	7.61%	37.50%
2	Pioneer Bank Sergeant Bluff, Iowa	71.12	12.40	102,956	6.79	32.7
3	First Bank of Jacksonville Fla.	67.97	-17.45	94,722	5.90	24.5
4	Capital Community Bank Provo, Utah	65.46	11.19	91,774	6.92	56
5	First National Bank of Bellevue Ohio	63.81	8.40	98,436	7.20	72.4
6	National Family Bank Munden, Kan.	63.69	8.50	16,578	5.54	45.8
7	Community Development Bank FSB Ogema, Minn.	55.64	9.65	23,380	9.28	90.0
8	Interstate Bank Oak Forest, Ill.	54.20	39.56	184,775	4.26	46.4
9	Bank of Dade Trenton, Ga.	52.37	35.40	75,483	3.17	45.7
10	Citizens State Bank of Lankin N.D.	51.85	9.97	50,871	4.58	51.5
11	Gulf Coast Bank and Trust Co. New Orleans	51.42	27.85	671,477	2.56	62.1
12	First National Bank of Picayune Miss.	49.83	35.35	228,202	3.36	39.9
13	Seattle Savings Bank	48.48	22.47	534,618	4.22	73.1
14	First National Bank in Munday Tex.	48.26	11.62	61,970	4.37	68.0
15	Charter Bank Corpus Christi, Tex.	46.43	52.02	131,630	2.48	53.6
16	Pueblo Bank and Trust Co. Colo.	45.70	44.28	356,349	5.18	41.8
17	First National Bank Fabens, Tex.	45.58	34.77	221,492	3.76	33.2
18	Eastern Savings Bank FSB Hunt Valley, Md.	45.45	53.99	906,819	6.57	33.4
19	Great Plains National Bank Elk City, Okla.	43.78	31.75	280,636	3.30	48.3
20	United Security Bank Sparta, Ga.	43.77	41.18	116,238	3.16	42.6
21	Broadway Bank Chicago	43.71	40.87	911,300	4.49	16.0
22	Blue Ridge Savings Bank Inc. Asheville, N.C.	43.23	31.10	257,689	4.24	26.3
23	Riverside Bank Sparkman, Ark.	43.03	38.96	51,426	3.14	50.1
24	Sound Community Bank Seattle	42.92	6.79	206,411	3.02	47.9
25	State Bank of Texas Irving	42.35	31.50	264,908	5.20	23.7
26	Miami Valley Bank Lakeview, Ohio	42.08	41.29	160,510	3.96	29.1
27	Brighton Bank Salt Lake City	41.85	37.16	171,171	4.60	42.7
28	Bank of the Southwest Roswell, N.M.	41.64	32.84	131,710	3.90	56.2
	Farmers and Merchants Bank Monticello, Fla.	41.64	30.40	374,617	3.64	40.9
30	Douglas County Bank Douglasville, Ga.	41.03	33.21	372,616	3.26	34.2
31	First National Bank Artesia, N.M.	40.87	31.60	432,979	2.72	53.6
32	First Coleman National Bank Tex.	40.74	38.39	56,740	4.48	37.2
33	First Bank Wadley, Ala.	40.45	19.66	59,208	3.05	41.4
34	Bank of Baker Mont.	39.95	33.50	63,184	3.47	30.1
35	First Bank and Trust Co. Wagoner, Okla.	39.85	38.03	151,561	3.77	34.5
36	Sterling Bank Lantana, Fla.	39.79	33.13	348,030	3.18	42.6
37	Justin State Bank Tex.	39.29	34.35	60,941	4.32	38.1
38	First Security Bank Beaver, Okla.	39.26	30.25	92,930	2.46	39.4
39	America West Bank Layton, Utah	39.03	20.08	157,189	3.65	50.4
40	Peoples Bank and Trust Co. Troy, Mo.	38.92	17.52	355,146	2.96	46.6
41	Community South Bank Parsons, Tenn.	38.70	30.89	384,586	3.56	72.0
42	Bank of the Rio Grande Las Cruces, N.M.	38.52	17.68	112,885	3.48	50.0
43	Bank of Bloomsdale Mo.	38.07	33.23	157,832	2.67	36.6
44	National Bank of Andrews Tex.	37.72	27.64	73,745	3.35	59.0
45	State Bank of McGregor Minn.	37.55	35.06	50,239	3.36	38.6
46	First National Bank and Trust Co. Fort Walton Beach, Fla.	37.19	33.76	409,553	3.40	53.5
47	Golden Prague Federal Savings and Loan Baltimore	37.07	4.00	31,505	3.16	128.0
48	Bank/First Citizens Bank Cleveland, Tenn.	37.06	33.71	472,100	2.93	40.7
49	Fife Commercial Bank Wash.	36.91	33.20	81,802	3.00	49.8
50	Prime Alliance Bank Woods Cross, Utah	36.77	-1.18	184,846	3.89	24.7
51	Heritage Community Bank Glenwood, Ill.	36.64	29.99	312,528	3.38	40.2
52	Columbian Bank and Trust Co. Topeka	36.63	26.27	417,742	3.32	31.1
53	First National Bank Layton, Utah	36.59	25.74	298,426	3.61	46.7
54	Bank of Agriculture and Commerce Stockton, Calif.	36.56	24.32	391,474	2.81	52.8
	Community Bank Longview, Tex.	36.56	34.74	68,067	2.65	60.6
56	Bank of Perry Ga.	36.38	27.32	131,021	2.54	54.4
57	Homosassa Springs Bank Fla.	36.37	28.92	64,136	2.23	54.7
58	Bank of Inverness Fla.	36.30	32.16	226,287	1.91	59.2
59	Southern Horizon Bank Leary, Ga.	36.18	38.74	22,097	3.61	69.5
60	Peak National Bank Nederland, Colo.	36.12	22.79	221,488	2.97	53.2
61	Nebraska State Bank Oshkosh	36.08	35.51	32,928	3.36	50.0
62	First Bank and Trust Co. of Illinois Palatine	35.92	32.78	481,649	6.03	37.0
63	State Bank of Townsend Mont.	35.92	13.73	39,106	3.20	53.3
64	Citizens Bank of Las Cruces N.M.	35.63	33.76	304,354	2.49	53.8
65	Bank Northwest Hamilton, Mo.	35.62	40.86	76,307	2.54	48.2
66	Home Bank Ducktown, Tenn.	35.52	28.77	110,209	3.30	40.9
67	Commercial State Bank Andrews, Tex.	35.49	21.45	215,960	2.59	44.2
68	Graham National Bank Tex.	35.45	27.03	90,080	3.73	44.5
69	Bank of Lincolnwood Ill.	35.36	27.17	223,126	2.93	50.8
70	Security State Bank Odessa, Tex.	35.35	16.72	199,092	2.31	62.5
71	Bank of Early Blakely, Ga.	35.33	12.14	76,142	4.77	54.4
72	Farmers and Merchants Bank of Kendall Wis.	35.32	36.24	42,560	2.70	46.2
73	Centinel Bank of Taos N.M.	35.12	28.86	143,072	2.45	57.4
74	North Valley Bank Thornton, Colo.	35.04	33.02	116,980	3.38	56.6
75	First Bank Burkburnett, Tex.	34.94	36.02	180,861	2.76	57.0
76	Security Bank of Southwest Missouri Cassville	34.83	38.70	63,388	3.04	48.0
77	First State Bank Scottsbluff, Neb.	34.80	32.87	191,805	3.01	41.6
78	First National Bank of Throckmorton Tex.	34.70	22.13	22,527	3.33	36.9
79	First Bank of Owasso Okla.	34.63	30.57	171,356	2.95	50.5
	Texas Bank Brownwood	34.63	23.64	199,360	3.24	51.5
81	Haven Trust Bank Duluth, Ga.	34.61	27.13	309,356	2.81	45.0
82	Commercial Capital Bank Delhi, La.	34.44	29.57	31,763	4.06	45.6
83	First State Bank of Canadian Tex.	34.39	25.45	98,028	3.80	31.2
	Peotone Bank and Trust Co. Ill.	34.39	35.03	129,528	2.48	56.7
85	State Bank of New Richland Minn.	34.38	39.38	51,560	2.30	46.4
86	Vermillion State Bank Minn.	34.20	34.44	335,076	3.75	23.7
87	Farmers and Merchants State Bank of Blooming Prairie Minn.	34.18	30.86	56,674	2.58	54.4
88	Western National Bank Odessa, Tex.	34.04	25.82	636,118	2.66	48.4
89	United Prairie Bank Mountain Lake, Minn.	33.94	16.65	478,740	2.09	69.1
90	First Credit Bank Los Angeles	33.62	26.57	294,762	8.02	9.1
	Southwest Bank Odessa, Tex.	33.62	29.15	109,608	2.01	59.6
92	Southern National Bank Marietta, Ga.	33.61	18.43	328,869	2.42	52.0
93	Farmers and Merchants State Bank of Pierz Minn.	33.55	36.47	151,671	2.74	38.2
94	Bank of Bonifay Fla.	33.50	29.65	194,408	2.85	49.2
95	State Bank of Southwest Missouri Springfield	33.41	32.21	87,464	2.05	56.1
96	Utah Community Bank Sandy	33.21	22.18	62,726	4.37	27.8
97	Jacksboro National Bank Tex.	33.17	24.86	127,744	2.02	52.8
98	Dairyland State Bank Bruce, Wis.	33.13	28.45	38,376	2.45	56.4
99	Citizens Bank and Trust Co. of Chicago	32.93	6.12	72,797	2.41	44.5
100	National Republic Bank of Chicago	32.84	34.93	579,213	4.00	23.1
101	Dunnellon State Bank Fla.	32.68	21.16	57,800	1.92	60.8
102	Community Bank Missoula Mont.	32.59	34.93	78,335	2.92	49.8
103	First National Bank of Muskogee Okla.	32.51	22.65	118,670	2.05	62.2
104	Farmers National Bank of Seymour Tex.	32.43	30.61	59,146	3.39	42.4
105	Sunshine State Community Bank Port Orange, Fla.	32.40	30.61	160,733	2.41	53.9
106	American Bank Bozeman, Mont.	32.36	20.38	486,913	2.71	45.9
107	Peoples Bank of Louisiana Amite	32.35	33.81	100,193	2.22	54.4
108	St. Martin Bank and Trust Co. St. Martinville, La.	32.30	31.75	191,910	2.65	52.1
109	Central National Bank of Poteau Okla.	32.26	31.62	164,133	2.47	51.1
110	First National Bank of La Grange Ill.	32.21	29.94	210,028	2.81	50.7
111	First National Bank Hays, Kan.	32.08	18.26	82,731	2.26	97.2
112	First Valley Bank Seeley Lake, Mont.	32.05	34.52	41,500	2.43	41.8
113	First State Bank Louise, Tex.	31.82	31.32	157,470	2.18	63.5
	Northwest Georgia Bank Ringgold, Ga.	31.82	18.91	524,396	2.11	53.9
115	Live Oak State Bank Dallas	31.67	28.35	94,428	2.91	45.7
116	High Desert State Bank Albuquerque	31.63	14.43	83,211	2.99	41.8
117	Elysian Bank Minn.	31.57	34.85	32,338	3.05	40.4
	First National Bank of Goliad Tex.	31.57	12.20	43,641	2.21	62.6
119	PrimeSouth Bank Tallassee, Ala.	31.55	24.77	133,693	2.84	34.9
120	Security Bank USA Bemidji, Minn.	31.52	26.88	85,353	2.61	51.5
121	Premier Bank Minnesota Farmington	31.50	26.39	182,922	2.14	54.5
122	Brand Banking Co. Lawrenceville, Ga.	31.49	25.19	805,964	2.59	48.9
123	Venture Bank Bloomington, Minn.	31.47	23.23	159,186	2.68	48.8
124	Bank, National Association McAlester, Okla.	31.46	32.67	324,639	2.24	52.1
125	Central Bank and Trust Lander, Wyo.	31.44	26.61	84,093	2.04	49.7
126	Taylor County Bank Campbellsville, Ky.	31.37	26.44	108,540	2.77	49.3
127	Randall State Bank Minn.	31.35	31.70	37,017	3.03	38.5
128	BankFirst Winter Park, Fla.	31.34	23.33	341,566	2.25	62.6
129	Sound Banking Co. Tacoma, Wash.	31.33	24.36	54,813	2.10	57.3
130	Missouri Bank and Trust Co. Kansas City	31.27	35.03	287,077	2.33	57
131	First National Bank Heavener, Okla.	31.26	32.13	85,071	2.22	44.6
132	Security State Bank of Howard Lake Minn.	31.17	33.34	89,421	2.51	44.4
133	First Commercial Bank of Florida Orlando	31.16	24.12	642,828	1.97	34.4
134	Village Bank St. George, Utah	31.14	23.03	191,163	2.10	43.5
135	Bank of Las Vegas	31.06	31.99	147,451	2.66	47.4
	First Security National Bank Norcross, Ga.	31.06	25.22	151,777	3.32	42.5
137	First State Bank New Braunfels, Tex.	31.00	21.65	202,529	2.70	52.4
138	PlantersFirst Cordele, Ga.	30.99	23.37	401,315	2.54	54.1
	Key West Bank Fla.	30.99	36.95	104,051	2.83	40.1
140	Prior Lake State Bank Minn.	30.87	25.73	151,304	3.71	40.4
141	Citizens BankNashville, Ga.	30.85	28.98	246,477	2.88	44.1
	Covington County Bank Andalusia, Ala.	30.85	29.57	243,514	2.70	48.2
143	Bank of Eastman Ga.	30.82	37.08	247,424	2.23	53.3
144	Home Federal Bank of Hollywood Hallandale Beach, Fla.	29.16	32.38	107,263	2.52	46.8
145	BankSouth Greensboro, Ga.	27.90	25.57	266,637	2.24	57.3
146	Frontier Bank FSB Park City, Utah	27.27	35.52	260,203	1.98	64.0
147	Priority Bank Ozark, Ark.	26.35	31.76	46,265	1.86	73.6
148	First Federal Bank Dickson, Tenn.	26.23	36.60	411,062	1.98	50.9
149	Community First Bank Pikesville, Md.	25.66	13.13	79,038	2.63	98.9
150	Olde Cypress Community Bank Clewiston, Fla.	25.14	18.94	148,440	2.16	67.7

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 constitute less than half of assets or whose credit card loans exceed 25% of gross loans.

Source:

SNL Financial

, Charlottesville, Va.