Community Banks and Thrifts with Highest Return on Average Equity

February 28, 2008, 10:08 a.m. EST 1 Min Read

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Community Banks and Thrifts with Highest Return on Average EquityIn the third quarter of 2007. Dollars in thousands. Published February 28, 2008
Rank		Return on avg. equity		Assets	Return on avg. assets	Efficiency ratio
Rank		3Q 2007	Year earlier	Assets	Return on avg. assets	Efficiency ratio
1	Union FSB North Providence, R.I.	117.35%	-7.47%	$272,933	17.89%	68.32%
2	International City Bank Long Beach, Calif.	95.78	15.03	221,914	12.94	16.50
3	mBank Manistique, Mich.	91.30	14.66	400,517	8.25	70.42
4	Greater Atlantic Bank Reston, Va.	82.62	-15.23	246,451	5.52	35.05
5	Wilcox County State Bank Abbeville, Ga.	56.56	-24.19	42,494	5.43	95.67
6	Columbian Bank and Trust Co. Topeka, Kan.	48.73	42.21	639,489	3.76	24.26
7	First National Bank of Picayune Miss.	47.19	55.07	233,079	3.78	37.00
8	Bank of Baker Mont.	45.56	41.05	65,796	4.29	29.53
9	Bank of Paxton Neb.	44.50	-203.18	17,879	5.74	56.02
	First Capital Bank Guthrie, Okla.	44.50	-32.71	107,300	3.81	51.87
11	Summit National Bank Hulett, Wyo.	44.42	15.09	28,288	3.00	-3.82
12	Charter Bank Corpus Christi	44.06	53.01	139,792	2.55	56.96
13	America West Bank Layton, Utah	42.28	45.38	229,466	3.56	39.97
14	Wilburton State Bank Okla.	42.12	69.52	56,152	2.62	46.30
15	Farmers and Merchants Bank of Kendall Wis.	41.74	35.16	47,352	3.59	34.02
16	Silver Lake Bank Topeka, Kan.	41.71	14.00	197,241	4.41	24.01
17	State Bank of Texas Irving	41.35	49.09	403,302	6.03	16.38
18	Johnson City Bank Tex.	41.31	20.98	67,473	5.44	52.83
19	First Madison Valley Bank Ennis, Mont.	41.07	28.38	87,684	3.17	50.93
20	Bank of Dade Trenton, Ga.	40.88	53.65	78,957	2.68	50.63
21	Blue Ridge Savings Bank Inc. Asheville, N.C.	40.81	42.94	307,493	4.03	24.42
22	Bank of the West Irving, Tex.	40.55	12.61	227,778	3.34	51.61
23	Gulf Coast Bank and Trust Co. New Orleans	39.85	49.53	729,487	2.57	66.09
24	Grand Timber Bank McGregor, Minn.	39.71	25.95	53,324	3.71	34.37
25	National Bank of Andrews Tex.	39.58	31.11	83,183	3.57	56.70
26	Colfax Banking Co. La.	39.53	11.39	64,837	3.39	50.52
27	Almena State Bank Kan.	39.20	22.69	14,594	2.85	65.70
28	First Bank and Trust Co. Wagoner, Okla.	38.91	40.84	169,836	3.63	33.70
29	Brighton Bank Salt Lake City	38.90	44.15	163,418	4.63	44.81
30	Community Bank Longview, Tex.	38.82	36.46	84,144	2.72	60.59
31	Rio Bank McAllen, Tex.	38.59	13.02	142,958	2.81	51.49
32	Patriot Bank Minnesota Wyoming	38.56	-37.43	127,356	5.05	64.19
33	First National Bank Artesia, N.M.	38.37	33.09	515,092	2.49	55.92
34	Bank of Las Vegas N.M.	38.20	33.52	163,220	3.04	44.08
35	Peshtigo National Bank Wis.	38.01	14.68	134,783	2.77	46.31
36	Priority Bank Ozark, Ark.	37.65	11.22	45,965	2.61	57.68
37	Bank of St. Croix Christiansted, Virgin Islands	37.25	44.10	96,472	2.96	43.35
38	Bank of the Southwest Roswell, N.M.	37.21	40.62	140,233	3.27	58.25
39	Citizens State Bank Grainfield, Kan.	36.80	28.57	9,044	3.70	40.14
40	First National Bank Fabens, Tex.	36.63	43.85	237,656	2.99	46.61
41	Citizens National Bank Wisner, Neb.	35.31	62.69	108,584	3.38	44.27
42	Centera Bank Sublette, Kan.	35.26	16.83	173,268	2.89	45.80
43	Peotone Bank and Trust Co. Ill.	35.22	38.09	136,267	3.18	48.83
44	PrinsBank Prinsburg, Minn.	35.04	28.62	49,463	4.52	43.90
45	Commercial State Bank Andrews, Tex.	34.94	28.50	290,451	2.50	42.07
46	Bank of Bloomsdale Mo.	34.89	34.97	162,810	2.68	38.01
47	First Bank Farmersville, Tex.	34.75	25.47	108,169	2.66	59.09
48	Heritage Bank Hinesville, Ga.	34.55	23.71	605,462	2.34	56.86
49	Security State Bank Odessa, Tex.	34.02	33.31	240,143	2.33	64.97
50	American Bank Bozeman, Mont.	34.01	38.58	479,242	3.11	45.88
51	Pueblo Bank and Trust Co. Colo.	33.93	36.24	371,016	4.20	43.80
	Citizens Bank of Las Cruces N.M.	33.93	37.51	316,469	2.64	52.63
53	Central National Bank of Poteau Okla.	33.78	35.69	167,157	2.92	48.73
54	First State Bank Louise, Tex.	33.77	35.94	179,310	2.43	54.98
55	Texas Bank Brownwood	33.73	34.96	217,610	3.31	53.17
56	State Bank and Trust Co. Golden Meadow, La.	33.05	31.74	97,568	2.20	59.12
57	Farmers-Merchants Bank and Trust Co. Breaux Bridge, La.	33.00	30.74	211,310	3.17	45.61
58	National Republic Bank of Chicago	32.78	28.81	809,215	3.04	23.28
59	St. Martin Bank and Trust Co. St. Martinville, La.	32.75	32.14	202,299	3.20	48.00
60	First Bank of Owasso Okla.	32.72	33.91	194,669	3.09	49.30
61	First State Bank Armour, S.D.	32.50	28.99	71,995	3.22	48.32
	Wells Bank of Platte City Mo.	32.50	17.00	53,728	3.15	50.59
63	First Bank of Delaware Wilmington	32.27	12.62	123,561	7.58	44.17
64	Centinel Bank of Taos N.M.	32.26	37.51	140,001	2.53	57.20
65	Security First National Bank of Hugo Okla.	32.20	35.54	104,172	2.59	37.11
66	South Lafourche Bank and Trust Co. Larose, La.	32.14	21.77	110,007	2.55	56.28
67	MontroseBank Colo.	32.11	30.23	179,279	2.86	50.90
68	Town and Country Bank Midwest La Belle, Mo.	31.79	24.26	21,273	2.86	42.80
69	American State Bank of Grygla Minn.	31.78	24.46	19,703	3.11	52.45
70	Security Bank of Southwest Missouri Cassville	31.62	35.21	65,048	2.84	51.09
71	Farmers and Merchants State Bank of Blooming Prairie Minn.	31.61	35.33	60,745	2.37	52.96
72	Heritage Bank Wood River, Neb.	31.53	30.95	422,244	2.91	37.69
73	Southwest Bank Odessa, Tex.	31.48	33.61	127,024	1.97	64.50
74	State Bank of Countryside Ill.	31.12	39.73	968,367	3.25	32.93
75	Bank Northwest Hamilton, Mo.	31.08	32.02	86,026	2.35	51.01
76	Peoples State Bank Summit, S.D.	31.06	28.78	42,834	2.73	41.83
	Western National Bank Odessa, Tex.	31.06	33.36	726,208	2.43	52.53
78	Gunnison Valley Bank Utah	31.04	28.25	73,966	3.37	29.10
	Quail Creek Bank Oklahoma City	31.04	33.40	368,714	2.54	44.75
80	Vermont State Bank Ill.	30.84	30.29	12,273	3.14	42.42
81	Lusk State Bank Wyo.	30.80	28.88	35,090	2.62	52.44
82	Douglas County Bank Douglasville, Ga.	30.79	43.26	405,400	2.72	38.35
83	American Bank of the North Nashwauk, Minn.	30.74	30.66	556,364	2.51	43.28
84	Town and Country Bank of Quincy Ill.	30.67	32.13	106,038	2.89	37.35
85	Great Lakes Bankers Bank Gahanna, Ohio	30.66	1.59	43,120	2.82	54.88
86	Farmers and Merchants State Bank of Pierz Minn.	30.64	34.16	165,798	2.35	38.66
87	First Bank Burkburnett, Tex.	30.57	32.79	200,875	2.43	55.46
88	Citizens Bank and Trust Co. Eastman, Ga.	30.56	24.26	171,249	2.52	46.83
89	Alamosa State Bank Colo.	30.47	31.81	124,297	2.85	46.02
	Citizens State Bank of Waverly Minn.	30.47	22.03	52,208	2.63	60.28
91	InvestorsBank Pewaukee, Wis.	30.45	22.27	307,482	2.61	24.47
92	Town and Country Bank of Missouri La Grange	30.38	33.37	27,901	2.56	43.08
93	American State Bank and Trust Co. of Williston N.D.	30.32	29.08	220,476	1.98	55.79
94	First Bank of Chandler Okla.	30.27	29.52	65,840	2.87	43.51
95	First Bank Roxton, Tex.	30.14	28.65	21,644	2.56	58.98
96	Bank of Hemet Riverside, Calif.	30.07	31.14	389,374	2.67	45.61
97	Mainland Bank Texas City	29.99	23.03	72,826	2.53	58.52
98	First National Bank Arcadia, La.	29.94	30.84	152,533	2.06	68.82
99	Bank Iowa Clarinda	29.88	27.34	95,756	2.31	45.35
100	United Security Bank Sparta, Ga.	29.86	40.66	138,227	2.32	47.04
101	Fife Commercial Bank Wash.	29.80	35.87	87,249	2.41	52.68
102	1st Bank and Trust Broken Bow, Okla.	29.79	28.41	106,236	2.87	47.49
103	Signature Bank Minnetonka, Minn.	29.68	13.33	144,487	2.62	39.92
104	Peoples Bank Tulsa	29.65	31.18	86,564	2.34	59.40
105	United Bank Zebulon, Ga.	29.52	16.61	634,333	2.77	56.13
106	State Bank of New Richland Minn.	29.37	36.21	61,715	1.97	47.23
107	Continental Bank Salt Lake City	29.25	27.48	77,686	4.01	38.01
108	First National Bank Heavener, Okla.	29.24	30.99	91,852	2.18	48.05
109	Armstrong Bank Muskogee, Okla.	29.21	17.38	426,985	2.88	57.41
110	First Security Bank Beaver, Okla.	29.19	39.49	82,418	2.41	36.10
111	Bank of St. Francisville La.	29.11	30.43	75,375	2.44	59.94
112	Falfurrias State Bank Tex.	29.09	17.92	16,798	3.69	57.79
	First State Bank Scottsbluff, Neb.	29.09	33.87	194,822	2.56	43.37
114	Bank of Lincolnwood Ill.	29.00	32.96	209,595	2.69	55.13
115	First National Bank Layton, Utah	28.89	31.06	296,166	2.97	49.24
	First State Bank Chico, Tex.	28.89	25.83	143,523	2.16	52.71
	Delta Bank Vidalia, La.	28.89	24.45	158,853	1.90	61.70
118	Bank of Mauston Wis.	28.87	26.91	212,106	2.87	44.07
119	Bank of the West El Paso	28.85	29.07	653,365	2.28	53.30
120	Bank of Eastman Ga.	28.82	27.91	277,530	2.14	50.28
121	Union Bank of Mena Ark.	28.81	28.53	141,869	2.36	59.77
122	Morris State Bank Okla.	28.79	18.97	59,161	2.46	51.59
123	First National Bank of Jeanerette La.	28.72	22.09	119,882	2.58	54.48
124	Bank of Hydro Okla.	28.68	30.96	81,810	2.71	41.42
125	First Community Bank of Central Alabama Wetumpka	28.67	31.90	207,661	2.14	52.99
126	First Federal Bank Dickson, Tenn.	28.65	28.39	467,742	1.97	48.71
127	Durden Banking Co. Inc. Twin City, Ga.	28.61	24.83	157,598	2.71	47.09
128	Community Bank of Lawndale Chicago	28.60	-25.94	34,955	2.16	78.93
129	Lamar Bank and Trust Co. Mo.	28.58	28.69	108,623	2.66	45.65
	State Bank of Bartley Neb.	28.58	26.08	29,697	2.63	50.98
131	First Bank Wadley, Ala.	28.46	30.14	58,925	2.28	52.29
132	Merchants and Farmers Bank Comer, Ga.	28.42	30.76	143,349	3.56	48.30
133	Vermillion State Bank Minn.	28.38	33.30	381,153	3.28	26.63
134	Elysian Bank Minn.	28.16	34.35	32,889	2.82	43.54
135	First American Bank Stonewall, Okla.	28.14	22.31	19,648	3.00	56.30
	Security Bank USA Bemidji, Minn.	28.14	33.79	94,767	2.47	52.66
137	Douglas National Bank Ga.	28.12	27.06	142,650	2.99	46.95
138	Bank of the Rio Grande Las Cruces, N.M.	28.08	32.20	106,852	2.97	58.44
139	The Bank Oberlin, Kan.	28.07	28.15	151,636	2.88	39.45
140	Vermilion Bank and Trust Co. Kaplan, La.	28.06	25.54	77,025	2.51	57.76
141	Missouri Bank and Trust Co. Kansas City	27.92	32.98	294,472	2.18	59.99
142	First National Bank of Santa Fe N.M.	27.90	27.77	554,024	2.33	54.60
143	Herring Bank Amarillo, Tex.	27.89	-8.32	338,365	2.66	59.23
144	State Bank of Southwest Missouri Springfield	27.81	35.24	94,603	1.73	60.73
145	Stockmans Bank Altus, Okla.	27.75	21.64	108,206	2.04	64.75
146	South Georgia Bank Glennville	27.69	24.88	118,934	2.19	52.31
147	Bank of Greeleyville S.C.	27.64	21.72	62,634	2.15	66.47
148	Citizens Bank New Liberty, Ky.	27.61	31.93	17,675	2.24	58.95
149	Five Star Bank Rocklin, Calif.	27.49	24.61	314,869	2.35	40.04
150	Ultima Bank of Minnesota Winger	27.48	20.93	75,658	2.34	51.30

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.