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Community Banks and Thrifts with Highest Returns on Average Equity

October 16, 2008, 10:08 a.m. EDT 1 Min Read
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Community Banks and Thrifts with Highest Returns on Average Equity

Community Banks and Thrifts with Highest Returns on Average EquityOn June 30, 2008. Dollars in thousands.
Published October 16, 2008
Rank   Return on avg. equity Assets Return on average assets Efficiency
ratio
2Q '08 2Q '07
1 Bank of Prairie Village Kan. 59.47% 16.22% $68,955 5.09% 33.60%
2 Falcon International Bank Laredo, Tex. 49.62 19.65 864,950 3.54 45.20
3 Exchange Bank Gibbon, Neb. 43.02 9.87 158,557 3.22 48.74
4 Farmers and Merchants Bank of Kendall Wis. 42.21 32.61 52,173 3.56 35.84
5 State Bank of Park Rapids Minn. 41.94 19.40 116,705 3.24 36.88
6 Bank of Baker Mont. 41.50 43.32 74,990 3.83 29.91
7 First Capital Bank Guthrie, Okla. 40.82 -26.69 120,771 3.45 41.99
8 Jacksboro National Bank Tex. 39.71 26.21 153,100 2.94 47.84
9 Justin State Bank Tex. 39.67 34.14 75,701 3.80 40.62
10 Bank of Dade Trenton, Ga. 39.51 41.52 81,749 2.73 49.30
11 First Citizens Bank of Butte Mont. 38.65 29.58 64,980 3.98 45.01
12 Charter Bank Corpus Christi 37.80 49.52 152,814 2.33 56.24
13 Community Bank Longview, Tex. 37.24 37.12 97,957 2.46 59.29
14 Wilburton State Bank Okla. 36.30 34.79 58,424 2.40 48.75
15 First Community Bank Lester Prairie, Minn. 35.27 15.80 27,226 2.66 53.66
16 First National Bank of Picayune Miss. 35.26 44.52 217,954 3.15 42.89
17 Security State Bank Odessa, Tex. 34.78 33.62 245,965 2.53 54.44
18 Vermillion State Bank Minn. 33.03 29.65 415,287 3.71 23.30
19 Brighton Bank Salt Lake City 32.99 40.36 146,062 4.45 46.75
20 State Bank of Texas Irving 32.63 41.50 555,899 3.54 20.87
21 Roxbury Bank Kan. 32.40 26.11 18,488 3.11 47.04
22 Mid America Bank and Trust Co. Dixon, Mo. 32.25 -5.52 89,592 3.53 36.24
23 Welch State Bank Okla. 32.02 18.56 181,951 2.61 44.76
24 Bank Oberlin, Kan. 31.99 34.37 161,974 3.30 28.59
25 Bank of Bloomsdale Mo. 31.88 33.78 166,619 2.56 39.74
26 Bank of Commerce Wetumka, Okla. 31.62 12.77 39,160 2.92 58.90
27 First National Bank Fabens, Tex. 31.54 41.07 249,154 2.46 46.77
Vision Bank Ada, Okla. 31.54 18.11 461,776 2.70 49.20
29 Security Bank of Southwest Missouri Cassville 31.50 21.42 70,520 2.76 47.51
30 Texas Bank Brownwood 31.33 36.05 238,485 3.11 53.72
31 Gulf Coast Bank and Trust Co. New Orleans 31.30 30.54 818,569 2.15 70.67
32 State Bank of New Richland Minn. 31.15 33.35 73,805 2.13 39.92
33 American State Bank and Trust Co. of Williston N.D. 31.12 27.01 265,446 2.08 49.30
Quail Creek Bank Oklahoma City 31.12 30.99 395,207 2.64 45.02
35 Bank of Rantoul Ill. 31.10 22.75 180,835 2.26 41.05
36 First Southeast Bank Harmony, Minn. 31.03 21.47 47,385 2.72 50.72
37 Security First National Bank of Hugo Okla. 30.79 32.73 109,543 2.43 41.43
38 First National Bank Artesia, N.M. 30.71 39.25 535,760 2.29 60.01
39 Buffalo Ridge Bank Beardsley, Minn. 30.66 26.54 34,050 2.51 47.16
40 First National Bank of Hugo Colo. 30.65 23.07 67,178 2.98 48.69
41 Delta Bank Vidalia, La. 30.46 31.24 179,710 2.25 55.59
42 Farmers and Merchants State Bank of Blooming Prairie Minn. 30.36 9.81 61,364 2.36 54.11
43 Texas Bank Henderson 30.32 25.11 183,219 2.21 52.13
44 Armstrong Bank Muskogee, Okla. 30.30 30.26 488,143 2.79 56.72
45 Four Corners Community Bank Farmington, N.M. 30.25 27.82 163,024 2.24 52.04
46 Pikes Peak National Bank Colorado Springs 30.18 28.91 91,549 2.64 49.38
47 First National Bank Arcadia, La. 30.13 24.28 162,627 2.23 60.82
48 Bank McAlester, Okla. 29.89 32.98 402,197 2.21 49.32
49 Citizens State Bank of Waverly Minn. 29.60 30.74 56,382 2.38 57.68
50 Grand Marais State Bank Minn. 29.54 23.21 63,032 2.60 51.72
51 First Bank and Trust Co. Wagoner, Okla. 29.32 37.87 179,330 2.68 38.43
First Tuskegee Bank Ala. 29.32 4.95 82,790 2.05 82.94
53 Vermont State Bank Ill. 28.77 25.07 13,185 2.80 43.37
54 Citizens Bank of Las Cruces N.M. 28.57 35.15 327,242 2.33 55.65
55 Citizens Bank New Liberty, Ky. 28.33 26.81 17,139 2.32 56.19
56 Auburn Banking Co. Ky. 28.24 26.72 60,125 2.16 56.19
57 Great Plains National Bank Elk City, Okla. 28.15 22.96 333,662 2.29 56.78
58 South Lafourche Bank and Trust Co. Larose, La. 27.95 33.99 122,549 2.36 54.37
59 National Republic Bank of Chicago 27.92 34.55 885,946 2.53 29.04
60 Marion County State Bank Pella, Iowa 27.91 23.62 188,203 2.33 39.90
61 Bank of the West El Paso 27.81 29.28 716,134 2.20 56.05
62 Bank of Hemet Riverside, Calif. 27.75 28.21 408,233 2.48 48.43
63 First National Bank in Lamar Colo. 27.74 16.60 190,695 2.50 48.88
64 Central National Bank of Poteau Okla. 27.73 34.61 180,752 2.49 50.12
65 Peoples Bank and Trust Co. Owenton, Ky. 27.71 17.39 75,486 3.06 41.63
66 First Whitney Bank and Trust Atlantic, Iowa 27.69 23.36 117,692 2.88 28.87
67 Heritage State Bank Lawrenceville, Ill. 27.51 19.94 76,727 2.25 51.99
68 Elysian Bank Minn. 27.48 27.25 34,886 2.65 40.15
69 Alamosa State Bank Colo. 27.43 31.62 126,196 2.76 45.98
70 Grand Timber Bank McGregor, Minn. 27.39 28.68 50,960 2.51 47.55
71 AimBank Littlefield, Tex. 27.37 21.12 137,535 1.98 65.52
First State Bank Graham, Tex. 27.37 30.63 112,559 2.18 50.33
73 Community Bank Bristow, Okla. 27.34 26.63 65,195 2.03 51.79
74 Carver State Bank Savannah, Ga. 27.28 5.46 36,519 2.10 71.01
75 Lusk State Bank Wyo. 27.19 28.29 34,721 2.43 53.86
76 National Bank of Andrews Tex. 27.18 32.57 94,611 2.51 64.18
77 1st Bank and Trust Broken Bow, Okla. 27.16 24.75 106,090 2.78 48.24
78 Bank of Las Vegas 27.14 34.62 172,429 2.31 47.15
79 Southwest National Bank Wichita 27.13 23.40 327,177 2.33 52.72
80 Citizens State Bank Grainfield, Kan. 27.04 27.49 10,977 2.29 50.41
81 Jackson County Bank Black River Falls, Wis. 27.02 21.76 227,551 2.14 39.91
82 Ruby Valley National Bank Twin Bridges, Mont. 26.91 24.14 64,232 3.45 45.82
83 Anadarko Bank and Trust Co. Okla. 26.88 17.55 65,658 2.32 93.59
84 First Financial Bank El Dorado, Ark. 26.86 26.96 601,601 2.37 59.19
85 Bank of the Southwest Roswell, N.M. 26.81 36.91 144,359 2.31 67.33
86 Peoples State Bank Summit, S.D. 26.78 28.02 45,616 2.34 46.03
87 Dakota State Bank Blunt, S.D. 26.75 26.60 28,603 2.47 68.37
88 Sound Banking Co. Tacoma 26.69 25.63 49,787 2.05 57.37
89 First National Bank in Graham Tex. 26.66 27.83 205,537 2.19 50.93
90 Union Bank and Trust Co. Livingston, Tenn. 26.61 20.46 77,982 2.51 42.83
91 Rushford State Bank Minn. 26.58 7.10 43,137 1.87 57.46
92 Horizon Bank Waverly, Neb. 26.56 25.46 112,900 2.42 38.93
93 East Dubuque Savings Bank Dubuque, Iowa 26.53 9.98 207,782 2.12 47.33
94 MontroseBank Colo. 26.45 32.77 184,986 2.42 53.58
95 Peoples Bank Paris, Tex. 26.32 24.32 116,873 2.35 64.44
96 First National Bank of Jeanerette La. 26.30 25.53 131,824 2.22 53.96
Ultima Bank Minnesota Winger 26.30 27.88 83,756 2.17 49.01
98 Greystone Bank Raleigh 26.27 -1.76 406,299 2.75 42.43
99 Mainland Bank Texas City 26.26 27.76 89,859 2.17 57.53
100 Community State Bank Hennessey, Okla. 26.22 24.77 33,528 2.29 66.06
101 Cumberland Security Bank Somerset, Ky. 26.21 17.94 164,821 2.72 51.26
102 Bank of St. Elizabeth Mo. 26.14 17.16 88,857 2.90 35.43
103 Coffee County Bank Manchester, Tenn. 26.12 24.98 124,987 2.41 44.49
104 First Community Bank Milton, Wis. 26.04 20.63 71,298 2.15 52.44
Reliabank Dakota Estelline, S.D. 26.04 15.13 136,458 2.43 61.65
106 Riverside Bank Sparkman, Ark. 26.03 32.67 52,241 1.99 59.56
107 Home State Bank Louisville, Neb. 26.01 26.54 82,205 2.53 44.09
108 American Interstate Bank Elkhorn, Neb. 25.99 20.93 100,293 2.14 45.29
Union Bank of Mena Ark. 25.99 27.11 153,326 2.24 59.12
110 First National Bank of Hughes Springs Tex. 25.95 28.22 165,499 2.71 46.24
111 Western National Bank Odessa, Tex. 25.91 34.74 830,997 2.16 51.98
112 First National Bank of Albany Tex. 25.90 28.51 320,761 2.26 41.97
113 First Bank of Chandler Okla. 25.85 30.73 69,210 2.46 46.33
114 1st Bank Sidney, Mont. 25.81 21.46 100,374 2.65 44.24
115 Unico Bank Irondale, Mo. 25.79 18.72 191,717 1.98 52.36
116 First National Bank and Trust Co. of Vinita Okla. 25.72 15.12 208,917 2.15 59.31
117 Bank of Greeleyville S.C. 25.65 18.48 66,822 2.16 61.79
118 Vermilion Bank and Trust Co. Kaplan, La. 25.63 25.68 85,027 2.24 60.31
119 Peoples National Bank Colorado Springs 25.52 16.20 184,417 2.36 73.62
120 Morris State Bank Okla. 25.51 26.08 61,491 2.32 52.80
121 Crockett National Bank Ozona, Tex. 25.49 20.77 271,358 2.45 52.04
122 Bank of Buffalo Ky. 25.43 18.10 56,667 2.40 37.44
Bank of DeSoto Tex. 25.43 17.98 144,308 2.32 52.45
Security State Bank Ansley, Neb. 25.43 19.23 54,252 1.95 60.95
125 First State Bank of Le Center Minn. 25.37 18.19 62,335 2.44 52.00
126 Fife Commercial Bank Wash. 25.33 34.48 90,103 2.09 55.59
127 FirstBank Antlers, Okla. 25.32 23.35 159,604 2.33 65.76
128 State Exchange Bank Lamont, Okla. 25.31 26.40 49,975 1.72 39.06
129 First Bank of Berne Ind. 25.29 16.62 396,733 2.04 47.06
130 Community Bank of the Arbuckles Sulphur, Okla. 25.26 32.27 78,389 1.56 61.02
131 Cowboy Bank of Texas Maypearl 25.25 16.44 35,917 2.11 61.35
First National Bank of Las Animas Colo. 25.25 24.22 212,729 2.04 50.36
133 Community Bank of Parkersburg W.Va. 25.24 19.43 222,273 1.95 58.47
134 First State Bank and Trust Co. Fremont, Neb. 25.16 26.08 183,663 2.06 49.58
135 Security State Bank of Fergus Falls Minn. 25.15 15.65 123,584 1.75 53.01
136 Nebraska State Bank Oshkosh 25.12 32.49 36,661 2.27 56.49
137 Bank of Commerce Chouteau, Okla. 25.09 27.91 34,750 2.23 64.44
138 Security Bank and Trust Co. Paris, Tenn. 25.05 16.19 151,850 2.38 42.06
139 Guaranty Bond Bank Mount Pleasant, Tex. 24.97 16.70 642,617 1.84 58.29
140 Prairie Sun Bank Milan, Minn. 24.93 16.45 29,953 1.86 65.18
141 Bank of Union El Reno, Okla. 24.92 20.66 216,697 2.47 40.08
142 Kansas State Bank of Manhattan 24.88 20.75 649,400 2.00 43.64
143 Carrollton Bank Ill. 24.87 16.71 696,321 1.92 48.07
144 American State Bank Osceola, Iowa 24.81 20.36 96,406 1.96 52.25
145 Farmers and Merchants State Bank of Cawker City Kan. 24.79 34.52 15,157 2.05 52.53
146 First National Bank of Central Texas Waco 24.76 23.76 379,076 2.15 50.81
147 First National Bank of Muskogee Okla. 24.72 30.78 139,121 1.76 61.05
148 Farmers Savings Bank Mineral Point, Wis. 24.68 19.57 213,330 1.68 47.98
Pioneer Bank and Trust Belle Fourche, S.D. 24.68 26.01 354,265 2.41 42.21
150 First National Bank of La Grange Ill. 24.66 27.30 228,565 2.47 53.46

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.

© 2008 American Banker
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