Community Banks and Thrifts with Highest Return on Average Equity

January 25, 2007, 10:08 a.m. EST 1 Min Read

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Community Banks and Thrifts with Highest Return on Average Equity
In the third quarter of 2006. Dollars in thousands
Related Table: Leaders in ROE Improvement and in Efficiency
		Return on avg. equity			Return on avg. assets	Efficiency ratio
Rank		3Q 2006	Year earlier	Assets	Return on avg. assets	Efficiency ratio
1	Citizens National Bank Wisner, Neb.	62.69%	23.23%	$98,823	4.28%	57.88%
2	First National Bank of Picayune Miss.	55.07	40.26	225,767	3.83	36.21
3	University Bank Ann Arbor, Mich.	54.01	4.12	65,632	4.23	74.4
4	Bank of Dade Trenton, Ga.	53.65	47.91	78,088	3.39	43.97
5	Broadway Bank Chicago	53.62	45.87	922,871	5.41	11.1
6	Charter Bank Corpus Christi	53.01	51.48	139,416	2.98	49.82
7	Richland State Bank Bruce, S.D.	51.28	40.97	29,397	7.84	33.49
8	First Coleman National Bank Tex.	50.79	47.11	56,305	5.78	31.72
9	Gulf Coast Bank and Trust Co. New Orleans	49.53	16.51	637,301	2.86	59.92
10	State Bank of Texas Irving	49.09	30.84	276,115	6.35	18.08
11	Farmers State Bank and Trust Co. Mount Sterling, Ill.	46.81	11.33	53,598	3.88	25.84
12	Louisville Community Development Bank	45.47	17.74	32,586	6.33	49.77
13	America West Bank Layton, Utah	45.38	28.1	172,282	4.03	44.68
14	Carver State Bank Savannah, Ga.	44.15	9.75	32,310	3.12	61.87
	Brighton Bank Salt Lake City	44.15	39.61	178,946	5.1	41.17
16	First National Bank Fabens, Tex.	43.85	32.9	221,583	3.56	39.36
17	Douglas County Bank Douglasville, Ga.	43.26	36.07	390,048	3.38	33.96
18	Graham National Bank Tex.	42.48	32.33	90,959	4.62	38.43
19	Columbian Bank and Trust Co. Topeka, Kan.	42.21	33.26	464,406	3.67	25.04
20	Farmers National Bank of Seymour Tex.	41.06	33.78	60,985	4.37	35.71
21	Bank of Baker Mont.	41.05	33.29	63,529	3.67	30.33
22	First Bank and Trust Co. Wagoner, Okla.	40.84	39.59	148,955	3.89	34.01
23	United Security Bank Sparta, Ga.	40.66	35.34	121,475	2.95	42.97
24	Bank of the Southwest Roswell, N.M.	40.62	37.31	129,722	3.75	56.65
25	Citizens National Bank of Breckenridge Tex.	40.61	34.16	82,740	4.32	33.08
26	First Western Bank Wall, S.D.	39.96	25.6	479,041	3.2	45.06
27	Sterling Bank Lantana, Fla.	39.92	35.11	361,953	3.4	40.14
28	First Security Bank Beaver, Okla.	39.49	30.54	85,053	2.59	38.5
29	First National Bank of Borger Tex.	39.1	20.65	41,730	4	41.26
30	Union Bank Gilbert, Ariz.	38.83	15.47	121,637	3.27	36
31	Miami Valley Bank Lakeview, Ohio	38.78	45.94	167,327	3.45	32.28
32	American Bank Bozeman, Mont.	38.58	25.44	448,668	3.45	44.17
33	Security Pacific Bank Los Angeles	38.51	26.85	544,504	4.18	33.51
34	North Valley Bank Thornton, Colo.	38.49	39.21	122,960	3.08	52.85
35	First Kansas Bank and Trust Co. Gardner	38.15	34.14	90,639	1.91	52.69
36	Peotone Bank and Trust Co. Ill.	38.09	32.81	128,680	2.81	51.93
37	Covenant Bank Leeds, Ala.	37.65	34.31	78,530	2.52	53.74
38	Citizens Bank of Las Cruces N.M.	37.51	37.32	309,685	2.72	51.62
	Centinel Bank of Taos N.M.	37.51	30.61	142,684	2.67	54.2
40	First National Bank of Olney Tex.	36.53	30.25	53,884	3.97	31.34
41	Community Bank Longview, Tex.	36.46	33.99	72,453	2.64	60.08
42	State Bank of Townsend Mont.	36.33	13.81	34,809	3.64	48.85
43	Pueblo Bank and Trust Co. Colo.	36.24	38.48	350,950	4.12	46.83
44	Commercial Capital Bank Delhi, La.	36.23	20.16	37,406	3.68	39.93
45	State Bank of New Richland Minn.	36.21	27.87	57,918	2.56	41.43
46	First State Bank Louise, Tex.	35.94	36.62	163,300	2.52	57.41
47	Seattle Savings Bank	35.92	29.2	520,782	3.03	72.4
48	Fife Commercial Bank Wash.	35.87	34.13	87,426	2.98	51.81
49	Central National Bank of Poteau Okla.	35.69	33.5	157,828	2.91	48.74
50	Security First National Bank of Hugo Okla.	35.54	32.3	101,278	2.69	37.7
51	Bank of Oakfield Wis.	35.44	11.47	54,601	3.77	43.97
52	High Desert State Bank Albuquerque	35.42	26.72	95,525	3.29	38.98
53	Farmers and Merchants State Bank of Blooming Prairie Minn.	35.33	32.94	58,380	2.71	52.3
54	Bank of Belton Mo.	35.27	10.14	66,959	2.69	78.63
55	State Bank of Southwest Missouri Springfield	35.24	34.93	89,288	2.13	56.47
56	Security Bank of Southwest Missouri Cassville	35.21	40.91	64,354	3.12	45.76
57	Farmers and Merchants Bank of Kendall Wis.	35.16	33.39	43,604	2.64	41.79
58	Security State Bank of Howard Lake Minn.	34.99	25.93	90,315	2.86	39.29
59	Bank of Bloomsdale Mo.	34.97	30.94	154,220	2.55	38.08
60	Texas Bank Brownwood	34.96	26.12	200,746	3.29	51.53
61	Bank McAlester, Okla.	34.94	26.43	335,720	2.56	51.51
62	University National Bank St. Paul	34.66	34.01	119,419	3.48	47.85
63	Bryant Bank Tuscaloosa, Ala.	34.63	-1.13	155,092	5.68	28.33
64	Live Oak State Bank Dallas	34.61	33.86	105,229	3.11	42.76
	Franklin National Bank of Minneapolis	34.61	15.1	126,456	3.72	51.92
66	Elysian Bank Minn.	34.35	84.37	31,415	3.54	35.53
67	Cedar Rapids State Bank Neb.	34.25	19.75	33,662	2.81	36.39
68	Farmers and Merchants State Bank of Pierz Minn.	34.16	35.38	152,574	2.88	36.77
69	First Community Bank Savage, Minn.	34.05	26.01	114,657	3	34.9
70	Peak National Bank Nederland, Colo.	34.04	19.72	208,130	3.01	53.16
71	First Bank of Owasso Okla.	33.91	34.67	182,795	2.98	52.5
72	First State Bank Scottsbluff, Neb.	33.87	31.32	198,091	2.98	44.06
73	Security Bank USA Bemidji, Minn.	33.79	30.46	90,322	2.93	49.63
74	Bank of Inverness Fla.	33.69	24.49	216,129	1.9	59.17
75	Southwest Bank Odessa, Tex.	33.61	28.78	111,781	2.07	59.01
76	Heritage Community Bank Glenwood, Ill.	33.59	31.18	319,952	3.01	43.40
77	Heartland State Bank Wessington, S.D.	33.57	17.65	38,299	2.52	56.32
78	Riverside Bank Sparkman, Ark.	33.52	37.69	49,387	2.54	56.24
	Bank of Las Vegas N.M.	33.52	29.97	146,586	2.83	45.99
80	First National Bank and Trust Co. Fort Walton Beach, Fla.	33.5	34.82	404,690	3.29	55.88
81	Citizens Bank and Trust Co. of Chicago	33.49	26.36	74,180	2.54	89.96
82	Quail Creek Bank Oklahoma City	33.4	30.63	343,426	2.74	44.22
83	Town and Country Bank of Missouri La Grange	33.37	31.84	24,487	2.81	44.26
84	Western National Bank Odessa, Tex.	33.36	27.38	631,791	2.66	50
85	Security State Bank Odessa, Tex.	33.31	23.23	207,038	2.25	62.02
86	Vermillion State Bank Minn.	33.3	32.8	336,747	3.83	21.55
87	First Commercial Bank Bloomington, Minn.	33.28	25.25	149,335	2.74	37.58
88	First National Bank Artesia, N.M.	33.09	31.03	449,887	2.22	57.53
89	Missouri Bank and Trust Co. Kansas City	32.98	35.57	291,422	2.39	57.95
90	Bank of Lincolnwood Ill.	32.96	29.28	219,268	2.85	51.06
91	Citizens State Bank Miles, Tex.	32.81	-7.39	39,391	3.12	44.66
92	First Bank Burkburnett, Tex.	32.79	32.4	177,593	2.64	60
93	Randall State Bank Minn.	32.52	35.56	35,761	3.34	35.84
94	Union National Bank and Trust Co. of Elgin Ill.	32.48	32.99	361,127	3.3	20.22
95	Bank of the Rio Grande Las Cruces, N.M.	32.2	21.02	105,778	3.15	55.99
96	Nebraska State Bank Oshkosh	32.17	31.29	36,386	2.96	56.11
97	St. Martin Bank and Trust Co. St. Martinville, La.	32.14	28.27	190,524	2.73	52.47
98	Town and Country Bank of Quincy Ill.	32.13	29.21	108,412	2.34	37.9
99	Bank Northwest Hamilton, Mo.	32.02	34.89	79,095	2.35	52.04
100	Platinum Bank Brandon, Fla.	32.01	27.03	311,704	2.12	47.02
	First National Bank of La Grange Ill.	32.01	31.22	210,158	2.89	49.94
102	Citizens Bank New Liberty, Ky.	31.93	27.94	16,666	2.59	53.94
103	First Community Bank of Central Alabama Wetumpka	31.9	10.53	174,582	2.23	49.53
104	Alamosa State Bank Colo.	31.81	27.63	113,277	2.97	46.18
105	Roxbury Bank Kan.	31.75	20.91	13,899	3.44	47.53
106	State Bank and Trust Co. Golden Meadow, La.	31.74	20.5	89,002	2.11	61.29
107	Citizens Bank Amsterdam, Mo.	31.64	27	27,968	2.14	64.07
108	AmFirst Bank McCook, Neb.	31.56	12.43	196,010	3.07	58.02
109	Brand Banking Co. Lawrenceville, Ga.	31.43	26	830,012	2.54	48.18
110	Homosassa Springs Bank Fla.	31.4	27.93	61,487	2.08	58.2
111	Friona State Bank Tex.	31.29	21.91	82,907	3.8	37.26
112	First National Bank of Muskogee Okla.	31.27	18.89	122,364	2.04	63.73
113	State Bank of Cokato Minn.	31.25	-67.8	59,222	2.05	73.78
114	Peoples Bank Tulsa	31.18	21.09	77,622	2.27	56.16
115	Bank of Hemet Riverside, Calif.	31.14	34.28	396,406	2.76	43.1
116	National Bank of Andrews Tex.	31.11	34.89	77,495	2.79	63.77
117	South Carolina Community Bank Columbia	31.08	2.29	60,729	2.5	55.5
118	First National Bank Layton, Utah	31.06	26.52	305,057	3.03	50.75
119	First National Bank Heavener, Okla.	30.99	31.04	84,731	2.26	43.82
120	First State Bank of Canadian Tex.	30.97	27.69	93,861	3.88	29.43
121	Bank of Hydro Okla.	30.96	19.51	79,805	2.96	39.73
122	Heritage Bank Wood River, Neb.	30.95	26.62	408,119	2.89	39.01
123	PrimeSouth Bank Tallassee, Ala.	30.93	24.58	137,713	2.84	34.03
124	First National Bank Arcadia, La.	30.84	25.84	127,040	2.12	62.48
125	First State Bank of Alexandria Minn.	30.78	13.92	94,202	3.48	35.69
126	Merchants and Farmers Bank Comer, Ga.	30.76	32.4	134,879	3.3	49.13
127	Farmers-Merchants Bank and Trust Co. Breaux Bridge, La.	30.74	27.41	213,737	2.82	42.94
128	Peoples Bank of Louisiana Amite	30.7	24.46	102,722	2.16	60.43
129	American Bank of the North Nashwauk, Minn.	30.66	23.98	480,711	2.45	43.72
130	Interstate Bank Oak Forest, Ill.	30.64	40.14	196,610	2.84	50.65
131	Citizens Bank Nashville, Ga.	30.49	32.06	260,272	2.81	44.99
	Community Bank Missoula Mont.	30.49	38.73	77,243	2.88	49.72
133	Bank of St. Francisville La.	30.43	26.1	64,822	2.22	65.56
	Commercial State Bank El Campo, Tex.	30.36	24.3	142,506	2.32	62.42
135	Kaw Valley State Bank Eudora, Kan.	30.34	21.04	36,653	1.97	62.61
136	Vermont State Bank Vermont, Ill.	30.29	22.83	9,473	3.46	46.75
137	MontroseBank Colo.	30.23	36.49	163,972	2.59	53.5
	Bank of Utah Ogden	30.23	29.92	654,363	2.83	52.45
139	Hill-Dodge Banking Co. Warsaw, Ill.	30.22	31.01	30,195	2.51	43.32
140	Southern National Bank Marietta, Ga.	30.16	25.89	345,851	2.19	49.79
141	First Bank Wadley, Ala.	30.14	23.68	57,216	2.26	47.94
142	Central Bank and Trust Lander, Wyo.	30.11	28.12	82,477	2.1	51.52
143	Northeast Georgia Bank Lavonia	30.08	19.09	304,156	2.97	46.32
144	Commerce Bank Aurora, Colo.	30.01	26.5	95,127	2.71	59.62
145	BankFirst Winter Park, Fla.	29.94	22.67	332,423	2.35	61.59
146	Eitzen State Bank Minn.	29.81	23.44	46,368	2.88	43.76
147	Venture Bank Bloomington, Minn.	29.8	19.32	161,022	2.57	50.1
148	Bank of Newington Ga.	29.75	20.64	91,059	2.95	36.42
149	PlantersFirst Cordele, Ga.	29.67	24.41	391,815	2.52	54.05
150	Ruby Valley National Bank Twin Bridges, Mont.	29.66	29.53	63,334	3.31	46.03

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.