Community Banks and Thrifts with Highest Returns on Average Assets

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Community Banks and Thrifts with Highest Returns on Average Assets

Community Banks and Thrifts with Highest Returns on Average AssetsOn Dec. 31, 2008. Dollars in thousands
Published April 14, 2009

Rank   Return on avg. assets Assets Return on avg. equity Efficiency ratio
4Q '08 4Q '07
1 Peoples State Bank Cherryvale, Kan. 5.38% 4.66% $17,096 19.78% 40.03%
2 Brighton Bank Salt Lake City 4.17 4.74 149,978 32.52 47.31
3 First Bank of Delaware Wilmington 4.02 6.13 116,236 13.11 56.04
4 First Credit Bank Los Angeles 3.91 6.53 490,928 15.25 10.87
5 State Bank of Texas Irving 3.57 5.68 585,494 32.76 21.45
6 Plaza Park State Bank Waite Park, Minn. 3.46 1.02 141,061 37.57 43.82
7 Peoples Community Bank Greenville, Mo. 3.40 3.12 82,592 20.29 43.05
8 Bank of Baker Mont. 3.35 3.73 89,497 36.51 35.35
9 Great Lakes Bankers Bank Gahanna, Ohio 3.20 -0.05 69,754 39.49 46.15
10 Farmers and Merchants Bank of Kendall Wis. 3.13 2.92 52,634 36.04 41.37
11 First National Bank Mattoon, Ill. 3.07 0.11 54,817 38.97 46.28
12 State Bank of Niantic Ill. 3.00 2.62 56,002 17.87 41.62
Texas Bank Brownwood 3.00 3.25 284,256 29.65 54.51
14 Corydon State Bank Iowa 2.91 2.21 64,905 19.56 21.86
15 First National Bank of Picayune Miss. 2.88 3.14 206,080 32.11 45.17
Peoples Bank and Trust Co. Owenton, Ky. 2.88 2.73 85,524 27.40 44.16
17 Ruby Valley National Bank Twin Bridges, Mont. 2.87 2.66 69,705 22.90 53.10
18 Home Bank of California San Diego 2.86 2.85 149,758 31.73 40.26
19 The Bank Oberlin, Kan. 2.83 3.16 168,915 27.83 36.11
20 State Bank of Wheaton Minn. 2.82 3.90 68,440 12.99 42.25
21 Spring Valley Bank Wyoming, Ohio 2.80 3.68 63,219 8.19 32.30
22 Vermillion State Bank Minn. 2.79 3.32 414,897 24.37 26.04
23 Yellowstone Bank Laurel, Mont. 2.76 3.65 429,700 18.05 38.47
24 Heritage State Bank Lawrenceville, Ill. 2.75 1.67 83,810 33.10 56.98
25 Peoples Community State Bank Doniphan, Mo. 2.73 2.57 111,934 23.00 46.79
26 Deposit Bank of Carlisle Ky. 2.72 2.73 75,687 11.42 37.95
27 Alamosa State Bank Colo. 2.70 2.74 133,534 26.85 47.62
28 Security Bank of Southwest Missouri Cassville 2.65 2.62 67,415 29.69 47.78
29 Continental Bank Salt Lake City 2.62 3.48 89,050 19.80 42.99
Pioneer Trust Bank Salem, Ore. 2.62 2.70 264,114 20.56 33.28
31 Drummond Community Bank Chiefland, Fla. 2.61 2.47 179,300 17.86 54.58
Heritage Bank Wood River, Neb. 2.61 2.51 409,026 26.38 39.36
33 1st Bank and Trust Broken Bow, Okla. 2.59 2.53 107,827 24.75 51.38
First Bank Upper Michigan Gladstone 2.59 2.72 152,570 18.35 50.19
Mason National Bank Tex. 2.59 2.36 91,345 16.20 43.99
Wilburton State Bank Okla. 2.59 2.60 62,605 39.54 47.95
37 PrinsBank Prinsburg, Minn. 2.58 2.79 54,908 19.56 64.94
38 First Whitney Bank and Trust Atlantic, Iowa 2.57 2.37 130,989 24.00 35.41
39 First Security Bank of Roundup Mont. 2.56 2.77 43,069 22.19 55.75
40 Bank of Dade Trenton, Ga. 2.54 2.79 88,234 36.84 51.94
City Savings Bank and Trust Co. De Ridder, La. 2.54 2.26 173,214 21.67 60.64
42 Bank of Calhoun County Hardin, Ill. 2.53 0.90 58,822 29.58 77.42
Citizens National Bank at Brownwood Tex. 2.53 3.06 191,431 21.19 47.29
44 National Bank of Andrews Tex. 2.52 2.88 99,799 27.19 66.40
45 Western Commerce Bank Carlsbad, N.M. 2.51 2.87 302,141 24.54 53.32
46 First State Bank Danville, Va. 2.49 -3.28 27,655 44.08 74.35
Quail Creek Bank Oklahoma City 2.49 2.73 402,651 30.00 45.39
48 Armstrong Bank Muskogee, Okla. 2.48 2.83 520,910 26.77 58.64
First State Bank of Beecher City Ill. 2.48 2.78 48,374 17.37 49.77
InvestorsBank Pewaukee, Wis. 2.48 1.92 270,391 27.59 19.98
51 Preston National Bank Dallas 2.47 3.38 64,174 21.54 63.49
52 First Bank of Okarche Okla. 2.46 2.60 50,713 15.11 48.90
MontroseBank Colo. 2.46 2.69 186,692 26.63 53.11
54 Bank of Bloomsdale Mo. 2.45 2.56 168,835 30.42 41.54
Solon State Bank Iowa 2.45 2.50 81,423 13.19 44.19
Welch State Bank Okla. 2.45 1.92 187,002 31.10 45.51
57 First Bank Wadley, Ala. 2.44 2.31 69,360 34.82 48.86
58 Cumberland Security Bank Somerset, Ky. 2.43 1.82 174,333 23.11 49.25
59 Citizens Bank of Las Cruces N.M. 2.42 2.61 330,588 29.18 54.68
Farmers State Bank of Adams Minn. 2.42 2.42 72,738 21.48 39.79
61 Farmers Trust and Savings Bank Williamsburg, Iowa 2.41 2.28 101,368 12.52 41.15
New Era Bank Fredericktown, Mo. 2.41 2.49 267,533 19.86 40.23
West Texas State Bank Odessa 2.41 2.39 247,041 23.43 48.36
64 Charter Bank Corpus Christi 2.40 2.62 156,327 40.17 55.36
Lusk State Bank Wyo. 2.40 2.57 40,348 28.16 53.08
Peoples Bank Taylorsville, Ky. 2.40 2.61 96,024 21.04 51.23
67 Citizens State Bank of Cheney Kan. 2.38 2.32 47,270 19.66 50.40
68 Commerce National Bank Corinth, Miss. 2.37 2.43 84,558 21.43 46.96
Horizon Bank Waverly, Neb. 2.37 1.86 118,684 25.75 41.16
Lamar Bank and Trust Co. Mo. 2.37 2.55 114,009 25.57 49.95
Security Bank Odessa, Tex. 2.37 2.23 253,536 33.88 62.63
South Lafourche Bank and Trust Co. Larose, La. 2.37 2.57 125,958 28.26 54.88
73 Bank of Grandin Mo. 2.36 2.21 131,522 17.33 37.76
Bank of Las Vegas N.M. 2.36 2.44 175,602 27.88 53.43
First National Bank of Estes Park Colo. 2.36 3.02 90,324 18.69 59.63
First State Bank of Grove City Minn. 2.36 2.11 18,915 11.33 56.88
Vermilion Bank and Trust Co. Kaplan, La. 2.36 2.30 99,605 27.29 57.75
78 First American Bank Stonewall, Okla. 2.35 2.48 20,992 23.33 55.69
First Capital Bank Guthrie, Okla. 2.35 1.47 127,365 28.44 53.86
Home State Bank Louisville, Neb. 2.35 2.59 83,980 23.83 46.82
81 Shell Lake State Bank Wis. 2.34 2.07 122,616 13.44 44.23
Sound Banking Co. Tacoma 2.34 1.31 49,605 31.00 58.34
83 Farmers Bank Carnegie, Okla. 2.33 1.41 46,190 22.17 58.18
First Bank and Trust Co. Perry, Okla. 2.33 2.01 125,519 19.08 54.70
85 Bank of Commerce Chouteau, Okla. 2.32 2.58 32,253 25.90 62.68
Crockett National Bank San Angelo, Tex. 2.32 2.00 288,332 23.91 53.86
First Security Bank Flower Mound, Tex. 2.32 2.53 162,774 19.32 45.98
Justin State Bank Tex. 2.32 3.23 72,222 24.48 53.59
Pikes Peak National Bank Colorado Springs 2.32 2.39 88,256 26.27 49.01
Union Bank and Trust Co. Livingston, Tenn. 2.32 2.02 76,646 24.71 46.03
91 Bank of the West Grapevine, Tex. 2.31 1.75 249,973 26.01 63.51
Community National Bank of Okarche Okla. 2.31 2.46 59,248 16.11 50.71
First National Bank of Hughes Springs Tex. 2.31 2.50 176,069 22.71 48.41
Security First National Bank of Hugo Okla. 2.31 2.53 101,032 29.89 42.63
95 Bank of Rantoul Ill. 2.30 2.12 186,344 30.87 41.12
Bank of the Rio Grande Las Cruces, N.M. 2.30 3.20 101,925 20.28 62.70
Central National Bank of Poteau Okla. 2.30 2.68 191,003 25.63 53.52
Clackamas County Bank Sandy, Ore. 2.30 2.86 143,054 13.24 64.07
Nebraska State Bank Oshkosh 2.30 2.83 38,392 25.14 57.30
100 Lone Star State Bank Tex. 2.29 6.23 35,666 24.05 50.86
State Bank of Lincoln Ill. 2.29 2.15 195,883 20.33 56.71
102 Bank of Rison Ark. 2.28 2.09 29,450 13.50 48.62
Senath State Bank Mo. 2.28 2.70 56,980 14.67 55.57
104 First National Bank of La Grange Ill. 2.27 2.63 257,907 23.03 56.09
Community Bank Longview, Tex. 2.27 2.42 105,936 34.02 62.54
First National Bank Fabens, Tex. 2.27 3.10 266,553 29.84 51.11
Grand Marais State Bank Minn. 2.27 1.93 64,648 26.08 55.24
Moorhead State Bank Iowa 2.27 2.97 17,951 10.85 37.03
109 First American Bank Artesia, N.M. 2.26 2.46 587,834 30.91 56.97
Bank of St. Elizabeth Mo. 2.26 2.00 92,979 20.46 49.23
First Bank and Trust Co. Wagoner, Okla. 2.26 3.36 212,686 25.40 46.13
Riverside Bank Sparkman, Ark. 2.26 2.31 51,378 28.94 57.06
113 Bank of Buffalo Ky. 2.25 1.81 60,297 24.73 36.09
Phenix-Girard Bank Phenix City, Ala. 2.25 1.96 169,823 17.59 54.87
115 FirstBank Antlers, Okla. 2.24 2.25 170,678 24.38 63.97
116 Farmers Bank Hardinsburg, Ky. 2.23 2.30 87,812 11.02 46.21
Southwest National Bank Wichita 2.23 2.04 344,514 26.08 53.35
Wells Bank of Platte City Mo. 2.23 1.94 67,472 24.52 50.86
119 Basin State Bank Stanford, Mont. 2.22 2.29 116,814 21.69 51.76
Central Bank of Kansas City Mo. 2.22 1.81 168,333 17.13 59.18
Lakeside Bank of Salina Okla. 2.22 2.60 28,094 18.98 45.24
Peoples Bank Westville, Okla. 2.22 2.41 48,317 19.42 60.94
123 Farmers and Merchants State Bank of Pierz Minn. 2.21 1.97 169,497 27.70 41.30
Valley Bank and Trust Mapleton, Iowa 2.21 1.45 56,593 13.51 55.31
125 Community Bank of El Dorado Springs Mo. 2.20 1.91 81,455 20.41 35.25
First State Bank of Northwest Arkansas Huntsville 2.20 0.64 70,709 17.19 55.46
Municipal Trust and Savings Bank Bourbonnais, Ill. 2.20 2.17 276,464 13.56 38.28
128 Bank of the West El Paso 2.19 2.28 734,910 27.14 55.70
First Bank of Chandler Okla. 2.19 2.79 69,051 22.93 51.51
Murphy Bank Fresno 2.19 1.96 119,944 16.59 47.73
Western Bank Lordsburg, N.M. 2.19 2.46 113,422 21.54 57.42
132 Western National Bank Odessa, Tex. 2.18 2.48 952,649 26.17 51.89
Bank of Union El Reno, Okla. 2.18 1.98 235,777 22.79 44.53
Drayton State Bank N.D. 2.18 2.40 45,124 19.76 38.93
First Bank of Lincoln Mont. 2.18 1.97 10,957 13.05 63.82
First National Bank Arcadia, La. 2.18 1.92 163,550 29.79 60.54
Peoples Bank Tex. 2.18 2.38 113,331 24.62 64.02
Waggoner National Bank of Vernon Tex. 2.18 2.34 226,192 16.37 51.26
139 Morris State Bank Okla. 2.17 2.30 62,549 24.17 54.59
140 Bank of Hemet Riverside, Calif. 2.16 2.57 429,271 24.19 47.61
Coffee County Bank Manchester, Tenn. 2.16 2.27 126,243 22.79 43.10
First Security Bank-Sleepy Eye Minn. 2.16 0.40 176,956 25.78 54.02
143 Auburn Banking Co. Ky. 2.15 2.05 62,401 28.14 56.70
Bank Northwest Hamilton, Mo. 2.15 2.28 87,362 26.74 52.19
First Citizens Bank of Butte Mont. 2.15 1.68 64,142 20.95 62.96
First State Bank Watonga, Okla. 2.15 2.02 40,854 20.56 63.13
147 Bank of Advance Mo. 2.14 2.01 222,567 14.94 49.72
Delta Bank Vidalia, La. 2.14 1.86 175,107 28.97 59.84
149 Marion County State Bank Pella, Iowa 2.13 1.80 199,543 25.90 39.97
150 First National Bank Chadron, Neb. 2.12 2.12 103,824 15.77 53.76

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