© 2024 Arizent. All rights reserved.
Community banking

Community Banks and Thrifts with Highest Returns on Average Assets

January 14, 2009, 10:08 a.m. EST 1 Min Read
View Table
Printer Friendly Version
Community Banks and Thrifts with Highest Returns on Average Assets

Community Banks and Thrifts with Highest Returns on Average AssetsOn Sept. 30, 2008. Dollars in thousands
Published January 14, 2009
Rank   Return on avg. assets Assets Return on avg. equity Efficiency ratio
3Q '08 3Q '07
1 First State Bank Danville, Va. 10.97% -2.91% $27,819 193.88% 39.64%
2 First Georgia Community Bank Jackson 7.91 -0.38 256,371 117.67 125.66
3 Palm Desert National Bank Calif. 7.59 1.49 403,019 83.84 33.06
4 Bank of the West Grapevine, Tex. 6.05 3.34 246,495 68.20 39.38
5 First National Bank of Holdrege Neb. 5.52 0.35 84,838 24.00 -71.76
6 Peoples State Bank Cherryvale, Kan. 5.39 5.06 14,832 19.43 38.32
7 Heritage State Bank Lawrenceville, Ill. 4.80 1.85 81,441 59.90 52.67
8 Bank of Paxton Neb. 4.69 5.74 14,871 33.57 60.87
9 PrinsBank Prinsburg, Minn. 4.57 4.52 49,219 33.85 51.60
10 Brighton Bank Salt Lake City 4.25 4.63 156,158 33.96 46.29
First Credit Bank Los Angeles 4.25 5.10 361,687 16.35 10.82
12 State Bank of Texas Irving 4.24 6.03 595,745 39.78 22.99
13 Pan American Bank Chicago 4.03 1.11 76,431 37.79 54.08
14 Choice Bank Oshkosh, Wis. 3.96 -1.77 105,212 20.02 92.07
15 Vintage Bank Waxahachie, Tex. 3.92 1.85 123,761 40.56 47.59
16 Almena State Bank Kan. 3.78 2.85 16,167 54.69 56.41
17 KSB Bank Keokuk, Iowa 3.77 1.07 104,279 36.13 52.58
18 Bank of Baker Mont. 3.74 4.29 81,657 42.34 29.81
19 Stock Growers Bank Napoleon, N.D. 3.61 2.44 44,247 33.12 35.09
20 First State Bank Armour, S.D. 3.58 3.22 79,296 40.46 45.73
Peoples Community Bank Greenville, Mo. 3.58 3.27 80,337 21.39 42.15
22 Farmers and Merchants Bank of Kendall Wis. 3.46 3.59 50,684 41.92 36.53
23 First State Bank of Beecher City Ill. 3.40 3.14 44,970 24.08 44.31
24 First National Bank Rosedale, Miss. 3.34 1.99 75,703 26.07 36.90
25 Corydon State Bank Iowa 3.30 1.53 64,655 21.78 19.66
26 Senath State Bank Mo. 3.29 2.94 48,277 20.29 46.35
27 Mason National Bank Tex. 3.24 3.13 79,653 19.66 40.21
28 Charter Oak Bank Napa, Calif. 3.22 0.14 131,279 23.56 73.86
29 Deposit Bank of Carlisle Ky. 3.19 2.79 73,906 13.54 29.24
30 First Security Bank-Sleepy Eye Minn. 3.18 1.16 170,893 40.19 55.63
31 Farmers Trust and Savings Bank Williamsburg, Iowa 3.16 2.87 96,377 16.04 36.48
32 Moorhead State Bank Iowa 3.14 3.33 17,451 15.19 30.99
33 Plains Commerce Bank Hoven, S.D. 3.13 2.09 351,736 22.72 39.67
34 Peoples Bank and Trust Co. Owenton, Ky. 3.09 2.76 74,886 29.50 43.21
35 Alamosa State Bank Colo. 3.06 2.85 132,752 30.79 42.47
36 State Bank of Niantic Ill. 3.04 2.78 57,817 18.26 42.58
37 First National Bank of Picayune Miss. 3.01 3.78 221,214 34.57 41.89
38 First Bank of Delaware Wilmington 3.00 7.58 124,466 9.66 59.00
39 Spring Valley Bank Wyoming, Ohio 2.99 3.20 63,619 8.52 31.09
40 Clinton State Bank Minn. 2.98 2.54 60,977 24.93 28.79
41 FreedomBank Elkader, Iowa 2.97 1.50 233,253 28.69 31.62
Texas Bank Brownwood 2.97 3.31 241,540 28.08 55.32
43 Roxbury Bank Kan. 2.94 2.87 18,783 30.52 49.83
44 First Bank Kansas Salina 2.92 1.75 183,820 33.62 69.94
45 Security Bank of Southwest Missouri Cassville 2.89 2.84 69,553 33.72 44.83
46 First Bank of Okarche Okla. 2.88 2.98 50,685 17.38 38.16
47 Farmers State Bank Hosmer, S.D. 2.86 2.51 16,127 15.52 49.05
48 Citizens Bank and Trust Co. of Jackson Ky. 2.84 1.59 110,062 24.48 71.29
Heritage Bank Wood River, Neb. 2.84 2.91 428,803 29.36 36.15
Peoples Community State Bank Doniphan, Mo. 2.84 2.57 110,903 24.60 45.23
51 Citizens National Bank at Brownwood Tex. 2.83 3.08 171,249 23.94 45.93
52 Exchange National Bank Cottonwood Falls, Kan. 2.81 0.39 30,062 21.84 89.12
53 1st Bank and Trust Broken Bow, Okla. 2.80 2.87 106,456 26.79 49.35
Farmers and Merchants State Bank of Blooming Prairie Minn. 2.80 2.37 62,160 34.65 46.63
Kaw Valley State Bank and Trust Co. Wamego, Kan. 2.80 1.43 129,915 34.89 55.62
56 First State Bank of Northwest Arkansas Huntsville 2.79 0.98 70,247 21.33 44.88
57 First Whitney Bank and Trust Atlantic, Iowa 2.77 2.50 121,177 26.00 32.74
State Bank of Delphos Kan. 2.77 1.75 35,117 31.92 51.93
59 Crockett National Bank Ozona, Tex. 2.74 2.07 288,701 27.90 49.11
First State Bank of Grove City Minn. 2.74 1.97 18,261 13.19 52.26
Lindell Bank and Trust Co. St. Louis 2.74 3.29 329,722 14.01 40.07
University National Bank St. Paul 2.74 2.11 120,613 24.08 57.24
63 American State Bank of Grygla Minn. 2.72 3.11 20,995 27.85 58.09
First Bank of Lincoln Mont. 2.72 2.51 11,395 16.17 55.83
NBC Oklahoma Oklahoma City 2.72 1.16 408,877 45.43 67.14
Prairie Sun Bank Milan, Minn. 2.72 1.44 31,116 36.69 49.28
Yellowstone Bank Laurel, Mont. 2.72 4.14 431,692 17.82 35.21
68 Catahoula-Lasalle Bank Jonesville, La. 2.71 2.25 91,035 21.89 52.29
First National Bank Fort Pierre, S.D. 2.71 2.53 587,559 15.02 32.98
70 First Bank of Chandler Okla. 2.70 2.87 70,286 29.17 44.60
71 Bank of Rison Ark. 2.69 2.16 29,373 15.04 44.65
Valley Bank and Trust Mapleton, Iowa 2.69 1.29 55,659 16.63 45.91
73 Citizens Bank and Trust Co. of Chicago 2.68 -2.39 73,563 36.43 63.04
City Savings Bank and Trust Co. De Ridder, La. 2.68 2.42 158,284 22.49 59.37
State Savings Bank Creston, Iowa 2.68 2.02 42,171 29.57 42.97
76 First National Bank of Hughes Springs Tex. 2.67 2.43 174,775 24.41 44.41
Scribner Bank Neb. 2.67 2.77 52,267 24.29 69.34
78 Cumberland Security Bank Somerset, Ky. 2.66 1.81 166,199 25.25 51.11
First National Bank of Le Roy Kan. 2.66 2.57 27,429 12.17 36.33
80 Elysian Bank Minn. 2.65 2.82 35,110 26.61 41.75
Farmers and Merchants State Bank Plankinton, S.D. 2.65 2.31 64,652 25.84 45.55
82 Bank of Dade Trenton, Ga. 2.64 2.68 81,766 38.69 51.18
Charter Bank Corpus Christi 2.64 2.55 155,110 45.33 53.11
Lamar Bank and Trust Co. Mo. 2.64 2.66 107,422 27.95 46.50
85 State Bank of Cochran Ga. 2.63 2.44 206,298 25.93 49.80
Welcome State Bank Minn. 2.63 2.49 19,528 25.60 47.43
87 Community Bank Longview, Tex. 2.62 2.72 99,071 39.52 57.26
Drummond Community Bank Chiefland, Fla. 2.62 2.39 179,332 18.25 54.07
State Bank of Wheaton Minn. 2.62 5.38 64,531 12.29 45.53
90 Home Exchange Bank Jamesport, Mo. 2.61 1.92 84,325 22.09 38.26
Lusk State Bank Wyo. 2.61 2.62 37,860 30.35 53.46
State Bank of Bartley Neb. 2.61 2.63 35,321 16.02 51.00
93 Bank of St. Elizabeth Mo. 2.60 2.36 88,648 23.48 45.69
Bank of Vici Okla. 2.60 2.21 30,481 25.84 56.93
Farmers State Bank of Adams Minn. 2.60 2.39 70,869 23.53 38.22
First State Bank of Burnet Tex. 2.60 2.42 159,872 19.30 48.60
Murphy Bank Fresno 2.60 2.03 119,502 19.56 45.22
98 Bennington State Bank Salina, Kan. 2.59 2.24 305,988 23.34 40.13
First Bank Upper Michigan Gladstone 2.59 2.65 155,320 18.54 48.72
Phenix-Girard Bank Phenix City, Ala. 2.59 2.52 180,182 21.49 54.19
Wilburton State Bank Okla. 2.59 2.62 59,702 40.87 46.69
102 Welch State Bank Okla. 2.58 2.16 188,689 32.64 43.59
103 Quail Creek Bank Oklahoma City 2.57 2.54 395,142 32.28 44.46
104 The Bank Oberlin, Kan. 2.56 2.88 157,972 25.57 40.78
Citizens State Bank of Cheney Kan. 2.56 2.36 45,688 21.44 47.68
First State Bank of Sharon Aneta, N.D. 2.56 -0.08 42,023 29.15 80.76
107 Bank of Ohio County Inc. Dundee, Ky. 2.55 2.37 78,558 16.85 48.95
Home Bank of California San Diego 2.55 2.61 145,242 26.61 43.71
109 Armstrong Bank Muskogee, Okla. 2.54 2.88 497,796 27.91 57.48
Bank of Bloomsdale Mo. 2.54 2.68 165,334 32.25 41.34
Peoples Bank Taylorsville, Ky. 2.54 2.84 90,994 22.00 49.88
Vermilion Bank and Trust Co. Kaplan, La. 2.54 2.51 87,936 29.14 55.76
113 Bank of Prague Neb. 2.53 2.32 17,415 14.69 32.97
First State Bank of Winchester Ill. 2.53 1.27 33,937 53.27 58.75
Payne County Bank Perkins, Okla. 2.53 2.66 101,743 14.78 45.64
Ruby Valley National Bank Twin Bridges, Mont. 2.53 2.41 64,403 20.42 55.08
State Bank of Scotia Neb. 2.53 3.00 24,677 9.77 46.18
United Bank and Trust Co. New Orleans 2.53 -1.35 25,378 40.52 77.41
119 Butte State Bank Neb. 2.52 1.87 43,987 26.01 48.00
Community First Bank Kennewick, Wash. 2.52 1.45 116,819 24.36 59.93
First Bank Wadley, Ala. 2.52 2.28 69,098 36.85 47.81
First Security Bank of Roundup Mont. 2.52 3.09 41,236 21.84 53.14
Kress National Bank Tex. 2.52 1.92 35,359 26.86 47.12
Preston National Bank Dallas 2.52 3.36 64,332 21.94 62.96
125 Bank of Delight Ark. 2.51 1.97 83,150 13.84 38.07
New Era Bank Fredericktown, Mo. 2.51 2.58 251,303 20.59 39.30
127 Peoples State Bank Blair, Okla. 2.50 3.12 13,131 21.28 74.68
128 Bank of Union El Reno, Okla. 2.49 2.15 227,153 26.43 39.72
Community Bank of El Dorado Springs Mo. 2.49 1.98 83,560 24.77 30.30
Kearny County Bank Lakin, Kan. 2.49 1.78 105,853 12.07 40.29
Lakeside Bank of Salina Okla. 2.49 2.81 26,877 19.99 46.38
132 First Security Bank Flower Mound, Tex. 2.48 2.60 153,748 21.86 42.34
133 Citizens State Bank of Choteau Mont. 2.47 1.80 68,314 13.95 34.56
First National Bank Arcadia, La. 2.47 2.06 159,851 33.11 59.23
Great Plains National Bank Elk City, Okla. 2.47 1.60 335,254 29.70 55.06
136 International Bank of Chicago 2.46 0.03 177,889 26.05 48.79
Security State Bank Odessa, Tex. 2.46 2.33 252,284 36.42 62.52
138 Bank Northwest Hamilton, Mo. 2.45 2.35 86,418 29.97 50.70
Basin State Bank Stanford, Mont. 2.45 2.36 113,117 23.70 49.22
Northwestern Bank Chippewa Falls, Wis. 2.45 -1.35 347,637 23.88 55.77
141 Central National Bank of Poteau Okla. 2.44 2.92 177,636 27.30 52.42
Citizens Bank of Las Cruces N.M. 2.44 2.64 332,459 30.14 54.63
St. Martin National Bank Minn. 2.44 2.24 15,473 18.07 56.00
Western Commerce Bank Carlsbad, N.M. 2.44 2.91 295,051 24.06 53.49
145 Farmers Bank Hardinsburg, Ky. 2.43 2.48 88,637 11.77 41.51
First Bank and Trust Co. Wagoner, Okla. 2.43 3.63 183,082 27.02 44.39
South Lafourche Bank and Trust Co. Larose, La. 2.43 2.55 123,252 29.36 55.56
148 Farmers State Bank of Denton Mont. 2.42 1.21 17,092 21.83 49.63
First American Bank Stonewall, Okla. 2.42 3.00 22,209 23.87 54.68
Waukesha State Bank Wis. 2.42 2.61 710,682 16.94 48.94

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.

© 2009 American Banker
Community banking