Community Banks and Thrifts with Highest Returns on Average Assets

July 29, 2009, 3:54 p.m. EDT 1 Min Read

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Community Banks and Thrifts with Highest Returns on Average AssetsOn March 31, 2009. Dollars in thousands Published July 30, 2009
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		1Q '09	1Q '08	Assets	Return on avg. equity	Efficiency ratio
1	Grand Rivers Community Bank Grand Chain, Ill.	5.92%	1.86%	$14,610	71.01%	79.38%
2	First State Bank in Temple Okla.	4.98	2.87	23,106	27.94	33.33
3	Peoples State Bank Cherryvale, Kan.	4.42	5.63	16,460	18.34	40.30
4	State Bank of Lincoln Ill.	4.00	2.35	188,163	33.18	48.98
5	National Bank of Andrews Texas	3.97	2.63	102,808	41.20	55.15
6	Farmers Bank Carnegie, Okla.	3.65	3.82	47,837	34.04	39.48
7	Bank of Paxton Neb.	3.54	0.64	15,182	24.85	39.58
8	Spring Valley Bank Wyoming, Ohio	3.53	2.85	66,646	10.31	42.41
9	Goodfield State Bank Ill.	3.49	1.44	61,642	35.44	36.86
10	Brighton Bank Salt Lake City	3.46	4.16	150,708	24.90	50.45
11	First National Bank Camdenton, Mo.	3.45	2.25	263,523	15.73	39.76
12	Corydon State Bank Iowa	3.42	2.86	64,209	22.58	22.87
13	Bank of Buffalo Ky.	3.38	2.17	62,106	39.45	30.69
14	First Credit Bank Los Angeles	3.37	4.97	486,149	17.60	7.30
15	Continental Bank Salt Lake City	3.34	3.16	95,487	29.38	38.32
16	Bank of Galesville Wis.	3.27	2.56	80,831	28.18	49.18
17	State Bank of New Richland Minn.	3.25	2.17	81,813	45.71	37.02
18	University Bank Ann Arbor, Mich.	3.24	1.11	149,587	62.96	70.42
	First National Bank Rosedale, Miss.	3.24	0.23	66,519	23.74	43.08
20	Westside State Bank Iowa	3.19	1.32	55,659	31.21	55.49
21	Peoples Community Bank Greenville, Mo.	3.18	3.47	83,866	17.84	42.28
22	Bank of Rothville Mo.	3.11	1.83	44,642	23.03	60.36
	Citizens State Bank of Clayton Wis.	3.11	1.72	71,565	41.62	43.23
24	Moorhead State Bank Iowa	3.08	3.65	18,837	14.82	23.15
25	Yellowstone Bank Laurel, Mont.	3.04	3.27	437,225	19.33	42.43
26	Farmers and Merchants Bank of Kendall Wis.	2.98	2.92	53,497	30.04	41.56
27	Bank of Bloomsdale Mo.	2.95	2.41	174,503	35.49	36.13
	Union Bank and Trust Co. Livingston, Tenn.	2.95	2.51	76,403	31.70	40.74
29	Greystone Bank Raleigh	2.94	-2.94	644,857	39.16	19.31
30	Bank of Las Vegas N.M.	2.91	3.32	187,100	35.62	43.33
31	Clinton State Bank Minn.	2.89	2.38	61,758	24.23	26.99
32	Lindell Bank and Trust Co. St. Louis	2.87	3.49	337,730	15.79	37.39
33	Heartland Bank Somers, Iowa	2.82	1.46	85,933	23.23	48.87
34	Bank of Rison Ark.	2.80	2.13	27,998	15.95	43.39
	Vermillion State Bank Minn.	2.80	3.29	416,323	23.64	24.77
36	First National Bank of Picayune Miss.	2.78	3.04	206,199	26.89	47.37
37	Bank of Mauston Wis.	2.74	2.88	212,518	27.08	41.10
38	Bank of Alma Wis.	2.73	2.81	191,567	8.67	12.89
39	MontroseBank Colo.	2.71	2.48	187,233	27.38	51.88
40	Bank of Baker Mont.	2.70	3.82	95,200	31.45	34.98
41	The Bank Oberlin, Kan.	2.69	3.20	168,325	27.29	33.59
42	Justin State Bank Texas	2.67	3.68	72,874	28.33	52.11
43	Drummond Community Bank Chiefland, Fla.	2.66	2.80	185,047	18.24	50.77
44	Farmers Trust and Savings Bank Williamsburg, Iowa	2.65	2.85	101,424	13.67	41.73
	Frontier Bank Davenport, Neb.	2.65	1.20	19,732	42.77	49.28
	St. Martin Bank and Trust Co. St. Martinville, La.	2.65	2.05	299,143	24.00	50.53
47	Jackson County Bank Black River Falls, Wis.	2.64	2.01	190,352	26.77	41.67
48	Sargent County Bank Forman, N.D.	2.63	2.38	77,403	21.51	27.01
49	Chambers State Bank Neb.	2.61	3.28	29,425	9.07	39.88
	First State Bank Camargo, Okla.	2.61	0.38	33,727	33.94	50.80
	First State Bank Watonga, Okla.	2.61	2.22	39,651	23.53	54.49
52	Heritage State Bank Lawrenceville, Ill.	2.60	2.38	85,389	31.54	52.39
53	First State Bank Bedias, Texas	2.59	2.04	105,212	23.35	47.02
54	Alamosa State Bank Colo.	2.58	2.66	137,479	25.30	46.98
	Brunswick State Bank Neb.	2.58	1.64	60,808	27.69	46.80
	Farmers State Bank Hosmer, S.D.	2.58	2.49	15,967	15.90	52.53
	State Bank of Scotia Neb.	2.58	2.48	26,957	9.85	43.57
58	Peoples Bank and Trust Co. Owenton, Ky.	2.57	2.89	78,062	50.97	44.63
59	First National Bank Fabens, Texas	2.56	2.51	276,830	34.94	43.28
	Texas Bank Brownwood	2.56	2.88	310,007	28.31	52.05
	Wayne Bank and Trust Co. Cambridge City, Ind.	2.56	1.99	147,626	25.07	47.08
62	First Whitney Bank and Trust Atlantic, Iowa	2.55	2.61	131,541	24.89	34.30
63	Farmers State Bank of Adams Minn.	2.54	2.86	72,868	21.73	36.82
	First Bank Wadley, Ala.	2.54	2.52	66,737	60.61	47.36
	First Bank Upper Michigan Gladstone	2.54	2.45	159,053	16.85	53.91
66	Welch State Bank Okla.	2.52	2.34	195,907	35.33	44.55
67	Iowa Trust and Savings Bank Centerville	2.51	1.64	144,389	21.21	49.66
	Morris County National Bank Naples, Texas	2.51	0.02	81,231	29.50	50.89
	Peoples Community State Bank Doniphan, Mo.	2.51	2.61	118,021	19.58	47.97
70	Citizens Bank of Las Cruces N.M.	2.50	2.34	339,114	28.12	58.58
	La Farge State Bank Wis.	2.50	2.18	43,106	8.32	27.95
72	Phenix-Girard Bank Phenix City, Ala.	2.49	2.17	164,691	16.70	61.22
	Pioneer Trust Bank Salem, Ore.	2.49	2.90	267,515	17.64	35.53
	Vermont State Bank Ill.	2.49	3.15	14,414	30.36	43.71
	Washington State Bank La.	2.49	2.58	121,597	22.24	47.83
76	Bank of Union El Reno, Okla.	2.48	2.19	260,591	28.64	38.05
	Fort Davis State Bank Texas	2.48	2.57	67,814	22.58	71.71
	Peoples Bank Taylorsville, Ky.	2.48	2.03	98,136	21.30	49.65
79	Elysian Bank Minn.	2.47	2.41	35,585	25.36	41.90
	Mount Vernon Bank and Trust Co. Iowa	2.47	1.44	79,209	18.03	53.71
81	Horizon Bank Waverly, Neb.	2.46	2.06	118,612	23.83	40.76
82	First National Bank in Lamar Colo.	2.45	2.81	188,968	24.46	46.84
	First State Bank of Grove City Minn.	2.45	2.36	18,024	11.04	55.51
84	Drayton State Bank N.D.	2.44	2.03	44,437	20.95	39.02
	Farmers and Merchants State Bank of Appleton Minn.	2.44	2.56	38,331	18.61	43.11
86	First State Bank of Beecher City Ill.	2.43	2.21	48,785	18.15	46.11
	Riverside Bank Sparkman, Ark.	2.43	2.22	49,922	31.14	50.98
88	First National Bank of Albany Texas	2.42	2.49	324,186	28.04	41.67
	Luana Savings Bank Iowa	2.42	1.82	300,293	39.47	32.91
	Solon State Bank Iowa	2.42	2.38	82,949	12.93	45.31
91	Altura State Bank Minn.	2.41	1.89	43,364	17.97	41.32
92	Farmers and Merchants State Bank Plankinton, S.D.	2.40	2.18	68,085	25.44	43.18
	Payne County Bank Perkins, Okla.	2.40	2.82	105,669	14.21	47.32
	Senath State Bank Mo.	2.40	2.60	57,611	16.71	50.57
95	Cumberland Security Bank Somerset, Ky.	2.39	2.85	185,162	22.17	53.99
	West Texas State Bank Odessa	2.39	1.96	249,042	23.54	55.51
97	First National Bank of Burleson Texas	2.38	2.10	173,570	28.97	49.63
	Lamar Bank and Trust Co. Mo.	2.38	2.40	114,103	25.19	48.24
99	State Bank of Hawley Minn.	2.37	1.47	80,465	26.47	63.34
100	First American Bank Artesia, N.M.	2.35	2.22	611,647	31.27	57.65
	Bank of Whitewater Kan.	2.35	1.92	14,532	24.20	56.31
	First National Bank of Fairfax Minn.	2.35	5.31	26,049	6.33	55.18
	Wells Bank of Platte City Mo.	2.35	2.36	68,023	26.60	49.00
104	Grapeland State Bank Texas	2.34	0.73	21,963	31.27	72.07
105	First Bank of Okarche Okla.	2.33	2.97	52,194	14.98	47.45
106	Citizens State Bank of Choteau Mont.	2.32	2.18	73,259	13.14	39.75
	Municipal Trust and Savings Bank Bourbonnais, Ill.	2.32	2.48	274,555	12.96	32.89
	State Bank of Kimball Minn.	2.32	2.16	68,128	26.97	49.94
	Western Commerce Bank Carlsbad, N.M.	2.32	2.29	320,194	24.85	54.76
110	Bank of Edison Ga.	2.31	1.90	40,101	21.16	75.30
	Buffalo Ridge Bank Beardsley, Minn.	2.31	2.12	34,085	26.76	51.21
	Pioneer Bank and Trust Belle Fourche, S.D.	2.31	2.55	352,860	22.01	47.79
	Quail Creek Bank Oklahoma City	2.31	2.63	422,764	27.25	47.26
114	Byron Bank Ill.	2.30	1.46	202,791	28.54	45.98
	Security First National Bank of Hugo Okla.	2.30	2.53	104,537	30.49	43.71
116	First American Bank Stonewall, Okla.	2.29	2.43	20,883	21.76	61.40
	New Era Bank Fredericktown, Mo.	2.29	2.38	265,484	20.27	40.30
	Sound Banking Co. Tacoma	2.29	1.79	50,118	29.22	52.97
	Waggoner National Bank of Vernon Texas	2.29	2.59	227,162	17.06	45.76
120	1st Bank and Trust Broken Bow, Okla.	2.28	2.83	109,629	20.17	52.15
	Marion County State Bank Pella, Iowa	2.28	2.13	197,713	28.07	35.61
	Mercantile Bank of Louisiana Mo.	2.28	2.50	106,965	10.66	43.98
	Town and Country Bank of Quincy Ill.	2.28	2.33	115,949	23.48	45.79
124	Bank of St. Elizabeth Mo.	2.27	2.43	97,525	21.07	50.18
	Mason National Bank Texas	2.27	2.86	85,716	15.17	46.42
126	Community Bank of El Dorado Springs Mo.	2.26	2.08	85,237	20.14	33.00
	First State Bank of Northwest Arkansas Huntsville	2.26	1.16	75,816	16.62	49.33
128	Bank of Deerfield Wis.	2.25	1.97	84,223	21.59	61.94
	First National Bank of Waseca Minn.	2.25	2.03	112,982	22.40	54.60
130	First Bank and Trust Co. Perry, Okla.	2.24	2.38	122,919	16.11	58.15
	St. Martin National Bank Minn.	2.24	2.16	16,553	16.57	57.21
132	First State Bank of Colfax Iowa	2.23	1.66	65,292	17.87	31.84
	Oregon Coast Bank Newport, Ore.	2.23	1.49	125,106	27.72	55.89
	Union State Bank Rockwell City, Iowa	2.23	1.90	36,576	15.92	44.56
135	Bank of Dade Trenton, Ga.	2.22	2.45	92,069	32.52	53.83
	Bank of Rantoul Ill.	2.22	2.33	184,542	30.92	37.60
	Murphy Bank Fresno	2.22	1.90	119,684	16.58	45.81
	Shell Lake State Bank Wis.	2.22	2.58	121,790	12.76	46.07
139	Home State Bank Royal, Iowa	2.21	2.80	36,040	7.37	36.18
	Palo Savings Bank Iowa	2.21	1.98	32,119	19.04	45.82
141	First Bank of Lincoln Mont.	2.20	3.16	12,257	13.73	68.47
	Port Richmond Savings Philadelphia	2.20	0.75	59,227	15.03	44.71
143	First Security Bank of Roundup Mont.	2.19	2.71	42,354	19.23	57.96
	International Bank of Amherst Wis.	2.19	2.22	44,280	15.43	56.12
	Peoples Bank Mount Washington, Ky.	2.19	2.05	83,986	16.79	59.59
	Waukesha State Bank Wis.	2.19	2.21	754,342	17.11	54.70
147	Farmers State Bank Booneville, Ky.	2.18	1.47	47,989	25.14	59.58
	First Bank of Baldwin Wis.	2.18	2.02	166,656	16.56	53.23
	Red River State Bank Halstad, Minn.	2.18	1.53	44,398	21.84	48.22
	State Bank of St. Jacob Ill.	2.18	1.99	44,402	14.64	45.08

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. List includes independent banks and thrifts that were operating as of June 19, 2009. Figures for prior periods are not adjusted for mergers and acquisitions.

Source:

SNL Financial

, Charlottesville, Va.