Community Banks and Thrifts with Highest Returns on Average Equity
July 29, 2009, 3:56 p.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 March 31, 2009. Dollars in thousands | ||||||
---|---|---|---|---|---|---|
Rank | Return on avg. equity | Assets | Return on average assets | Efficiency ratio | ||
1Q '09 | 1Q '08 | |||||
1 | Grand Rivers Community Bank Grand Chain, Ill. | 71.01% | 19.11% | $14,610 | 5.92% | 79.38% |
2 | University Bank Ann Arbor, Mich. | 62.96 | 17.69 | 149,587 | 3.24 | 70.42 |
3 | First Bank Wadley, Ala. | 60.61 | 31.71 | 66,737 | 2.54 | 47.36 |
4 | Peoples Bank and Trust Co. Owenton, Ky. | 50.97 | 23.27 | 78,062 | 2.57 | 44.63 |
5 | State Bank of New Richland Minn. | 45.71 | 29.30 | 81,813 | 3.25 | 37.02 |
6 | Frontier Bank Davenport, Neb. | 42.77 | 11.49 | 19,732 | 2.65 | 49.28 |
7 | Citizens State Bank of Clayton Wis. | 41.62 | 22.18 | 71,565 | 3.11 | 43.23 |
8 | National Bank of Andrews Texas | 41.20 | 27.10 | 102,808 | 3.97 | 55.15 |
9 | Ohio State Bank Marion | 40.96 | -4.53 | 150,349 | 1.88 | 107.82 |
10 | Luana Savings Bank Iowa | 39.47 | 22.85 | 300,293 | 2.42 | 32.91 |
11 | Bank of Buffalo Ky. | 39.45 | 23.67 | 62,106 | 3.38 | 30.69 |
12 | Greystone Bank Raleigh | 39.16 | -27.35 | 644,857 | 2.94 | 19.31 |
13 | Bank of Las Vegas N.M. | 35.62 | 40.52 | 187,100 | 2.91 | 43.33 |
14 | Bank of Bloomsdale Mo. | 35.49 | 29.51 | 174,503 | 2.95 | 36.13 |
15 | Goodfield State Bank Ill. | 35.44 | 17.47 | 61,642 | 3.49 | 36.86 |
16 | Charter Bank Corpus Christi | 35.34 | 39.14 | 151,060 | 2.03 | 59.37 |
17 | Welch State Bank Okla. | 35.33 | 28.96 | 195,907 | 2.52 | 44.55 |
18 | First National Bank Fabens, Texas | 34.94 | 32.05 | 276,830 | 2.56 | 43.28 |
19 | Farmers Bank Carnegie, Okla. | 34.04 | 37.07 | 47,837 | 3.65 | 39.48 |
20 | First State Bank Camargo, Okla. | 33.94 | 4.99 | 33,727 | 2.61 | 50.80 |
21 | Community Bank Longview, Texas | 33.50 | 34.30 | 112,618 | 2.16 | 59.10 |
22 | State Bank of Lincoln Ill. | 33.18 | 20.56 | 188,163 | 4.00 | 48.98 |
23 | Bank of Dade Trenton, Ga. | 32.52 | 35.37 | 92,069 | 2.22 | 53.83 |
24 | Union Bank and Trust Co. Livingston, Tenn. | 31.70 | 27.81 | 76,403 | 2.95 | 40.74 |
25 | Heritage State Bank Lawrenceville, Ill. | 31.54 | 27.92 | 85,389 | 2.60 | 52.39 |
26 | Bank of Baker Mont. | 31.45 | 37.61 | 95,200 | 2.70 | 34.98 |
27 | First American Bank Artesia, N.M. | 31.27 | 29.72 | 611,647 | 2.35 | 57.65 |
Grapeland State Bank Texas | 31.27 | 9.90 | 21,963 | 2.34 | 72.07 | |
29 | First Star Bank Bremond, Texas | 31.26 | 17.48 | 194,292 | 2.12 | 58.56 |
30 | Westside State Bank Westside, Iowa | 31.21 | 14.64 | 55,659 | 3.19 | 55.49 |
31 | Riverside Bank Sparkman, Ark. | 31.14 | 29.38 | 49,922 | 2.43 | 50.98 |
32 | Bank of Rantoul Ill. | 30.92 | 27.23 | 184,542 | 2.22 | 37.60 |
33 | Security First National Bank of Hugo Okla. | 30.49 | 34.04 | 104,537 | 2.30 | 43.71 |
34 | Vermont State Bank Ill. | 30.36 | 33.14 | 14,414 | 2.49 | 43.71 |
35 | Farmers and Merchants Bank of Kendall Wis. | 30.04 | 33.55 | 53,497 | 2.98 | 41.56 |
36 | Morris County National Bank Naples, Texas | 29.50 | 0.33 | 81,231 | 2.51 | 50.89 |
37 | Continental Bank Salt Lake City | 29.38 | 22.30 | 95,487 | 3.34 | 38.32 |
38 | Sound Banking Co. Tacoma | 29.22 | 23.50 | 50,118 | 2.29 | 52.97 |
39 | First National Bank of Burleson Texas | 28.97 | 26.97 | 173,570 | 2.38 | 49.63 |
40 | First National Bank Arcadia, La. | 28.90 | 31.74 | 185,972 | 2.09 | 62.26 |
41 | Bank of Union El Reno, Okla. | 28.64 | 21.04 | 260,591 | 2.48 | 38.05 |
42 | Byron Bank Ill. | 28.54 | 18.32 | 202,791 | 2.30 | 45.98 |
43 | Justin State Bank Texas | 28.33 | 39.98 | 72,874 | 2.67 | 52.11 |
44 | Texas Bank Brownwood | 28.31 | 29.12 | 310,007 | 2.56 | 52.05 |
45 | Bank of Galesville Wis. | 28.18 | 23.72 | 80,831 | 3.27 | 49.18 |
46 | Citizens Bank of Las Cruces N.M. | 28.12 | 28.87 | 339,114 | 2.50 | 58.58 |
47 | Marion County State Bank Pella, Iowa | 28.07 | 24.95 | 197,713 | 2.28 | 35.61 |
48 | First National Bank of Albany Texas | 28.04 | 25.86 | 324,186 | 2.42 | 41.67 |
49 | First State Bank in Temple Okla. | 27.94 | 15.45 | 23,106 | 4.98 | 33.33 |
50 | Oregon Coast Bank Newport | 27.72 | 14.60 | 125,106 | 2.23 | 55.89 |
51 | Brunswick State Bank Neb. | 27.69 | 11.65 | 60,808 | 2.58 | 46.80 |
52 | MontroseBank Colo. | 27.38 | 27.70 | 187,233 | 2.71 | 51.88 |
53 | The Bank Oberlin, Kan. | 27.29 | 30.49 | 168,325 | 2.69 | 33.59 |
54 | Quail Creek Bank Oklahoma City | 27.25 | 30.36 | 422,764 | 2.31 | 47.26 |
55 | Bank of Mauston Wis. | 27.08 | 29.32 | 212,518 | 2.74 | 41.10 |
56 | State Bank of Kimball Minn. | 26.97 | 25.50 | 68,128 | 2.32 | 49.94 |
57 | Almena State Bank Kan. | 26.93 | 10.13 | 16,521 | 1.80 | 78.25 |
58 | First National Bank of Picayune Miss. | 26.89 | 34.12 | 206,199 | 2.78 | 47.37 |
59 | Lyons State Bank Kan. | 26.88 | 8.81 | 94,635 | 2.04 | 57.64 |
60 | Guaranty Bank and Trust Co. Cedar Rapids, Iowa | 26.85 | 5.76 | 244,576 | 1.28 | 71.59 |
61 | Jackson County Bank Black River Falls, Wis. | 26.77 | 24.00 | 190,352 | 2.64 | 41.67 |
62 | Buffalo Ridge Bank Beardsley, Minn. | 26.76 | 25.92 | 34,085 | 2.31 | 51.21 |
63 | Texas Bank Henderson | 26.73 | 27.30 | 191,354 | 1.45 | 59.69 |
64 | First State Bank Stuart, Iowa | 26.68 | 13.41 | 83,407 | 2.03 | 60.29 |
65 | Guaranty Bond Bank Mount Pleasant, Texas | 26.62 | 37.23 | 758,643 | 2.10 | 60.58 |
66 | Wells Bank of Platte City Mo. | 26.60 | 26.08 | 68,023 | 2.35 | 49.00 |
67 | Citizens State Bank Okemah, Okla. | 26.57 | 5.76 | 131,475 | 2.08 | 36.21 |
68 | State Bank of Hawley Minn. | 26.47 | 17.33 | 80,465 | 2.37 | 63.34 |
69 | First State Bank Chico, Texas | 25.66 | 22.02 | 195,115 | 1.92 | 58.82 |
70 | Bank of the Wichitas Snyder, Okla. | 25.47 | 21.44 | 122,675 | 1.94 | 57.26 |
71 | Farmers and Merchants State Bank Plankinton, S.D. | 25.44 | 21.32 | 68,085 | 2.40 | 43.18 |
72 | Minster Bank Ohio | 25.39 | 16.18 | 280,340 | 1.97 | 48.40 |
73 | Elysian Bank Minn. | 25.36 | 24.27 | 35,585 | 2.47 | 41.90 |
74 | First National Bank in Cimarron Kan. | 25.35 | 24.81 | 65,850 | 2.06 | 59.56 |
75 | Alamosa State Bank Colo. | 25.30 | 26.44 | 137,479 | 2.58 | 46.98 |
76 | Lamar Bank and Trust Co. Mo. | 25.19 | 26.61 | 114,103 | 2.38 | 48.24 |
77 | Delta Bank Vidalia, La. | 25.17 | 25.26 | 194,290 | 1.80 | 60.59 |
78 | Farmers State Bank Booneville, Ky. | 25.14 | 14.70 | 47,989 | 2.18 | 59.58 |
79 | Wayne Bank and Trust Co. Cambridge City, Ind. | 25.07 | 19.94 | 147,626 | 2.56 | 47.08 |
80 | Mainland Bank Texas City | 25.03 | 16.33 | 88,532 | 2.08 | 62.41 |
Shelby Savings Bank Center Texas | 25.03 | 19.28 | 219,272 | 1.76 | 54.60 | |
Community Bank Bristow, Okla. | 25.03 | 26.62 | 64,423 | 1.75 | 54.99 | |
83 | Morris State Bank Okla. | 25.01 | 27.24 | 65,338 | 2.05 | 57.11 |
84 | Prairie Sun Bank Milan, Minn. | 24.94 | 18.46 | 27,139 | 2.05 | 62.22 |
85 | Brighton Bank Salt Lake City | 24.90 | 33.09 | 150,708 | 3.46 | 50.45 |
86 | First Whitney Bank and Trust Atlantic, Iowa | 24.89 | 24.51 | 131,541 | 2.55 | 34.30 |
87 | Bank of Paxton Neb. | 24.85 | 5.18 | 15,182 | 3.54 | 39.58 |
Western Commerce Bank Carlsbad, N.M. | 24.85 | 20.75 | 320,194 | 2.32 | 54.76 | |
89 | Farmers and Merchants State Bank of Pierz Minn. | 24.84 | 31.53 | 172,816 | 2.06 | 45.53 |
Lone Star State Bank Texas | 24.84 | 24.30 | 40,598 | 2.04 | 47.67 | |
91 | Union Bank of Mena Ark. | 24.82 | 25.82 | 149,140 | 2.15 | 61.73 |
92 | Bank McAlester Okla. | 24.77 | 30.86 | 384,400 | 1.96 | 52.18 |
93 | Southwest National Bank Wichita | 24.63 | 24.00 | 343,610 | 2.09 | 53.18 |
94 | Lone Star Bank Moulton, Texas | 24.48 | 6.74 | 166,317 | 1.85 | 64.68 |
95 | First National Bank in Lamar Colo. | 24.46 | 31.70 | 188,968 | 2.45 | 46.84 |
96 | Falcon International Bank Laredo, Texas | 24.42 | 10.45 | 957,323 | 1.69 | 55.87 |
97 | Peoples Bank of Kankakee County Bourbonnais, Ill. | 24.41 | 10.70 | 167,011 | 1.83 | 55.93 |
98 | Clinton State Bank Minn. | 24.23 | 20.09 | 61,758 | 2.89 | 26.99 |
99 | Bank of Whitewater Kan. | 24.20 | 19.97 | 14,532 | 2.35 | 56.31 |
100 | Community State Bank Hennessey, Okla. | 24.03 | 24.62 | 35,773 | 2.06 | 68.15 |
101 | St. Martin Bank and Trust Co. St. Martinville, La. | 24.00 | 19.12 | 299,143 | 2.65 | 50.53 |
102 | Nebraska State Bank Oshkosh | 23.87 | 26.94 | 39,366 | 2.17 | 55.65 |
103 | Central National Bank of Poteau Okla. | 23.84 | 28.27 | 186,487 | 2.14 | 54.39 |
State Savings Bank Creston, Iowa | 23.84 | 22.02 | 43,424 | 2.10 | 50.30 | |
105 | Horizon Bank Waverly, Neb. | 23.83 | 22.60 | 118,612 | 2.46 | 40.76 |
106 | First National Bank and Trust Co. of Vinita Okla. | 23.77 | 22.23 | 226,430 | 2.10 | 58.72 |
107 | Citizens State Bank of Waverly Minn. | 23.75 | 27.70 | 57,402 | 1.95 | 57.09 |
108 | First National Bank Rosedale, Miss. | 23.74 | 1.49 | 66,519 | 3.24 | 43.08 |
109 | Ohio Legacy Bank Wooster | 23.67 | 0.57 | 190,132 | 1.16 | 103.68 |
110 | Vermillion State Bank Minn. | 23.64 | 27.89 | 416,323 | 2.80 | 24.77 |
111 | Bank Northwest Hamilton, Mo. | 23.62 | 28.67 | 89,256 | 1.99 | 55.14 |
Community State Bank Spencer, Iowa | 23.62 | 22.29 | 107,572 | 1.65 | 57.64 | |
113 | American Interstate Bank Elkhorn, Neb. | 23.56 | 24.95 | 105,747 | 1.86 | 47.41 |
114 | West Texas State Bank Odessa | 23.54 | 19.70 | 249,042 | 2.39 | 55.51 |
115 | First State Bank Watonga, Okla. | 23.53 | 20.37 | 39,651 | 2.61 | 54.49 |
116 | First Bank and Trust Co. Wagoner, Okla. | 23.51 | 28.30 | 216,939 | 1.96 | 49.69 |
117 | Town and Country Bank of Quincy Ill. | 23.48 | 23.35 | 115,949 | 2.28 | 45.79 |
118 | Centinel Bank of Taos N.M. | 23.39 | 25.66 | 160,036 | 1.84 | 61.23 |
119 | First State Bank Bedias, Texas | 23.35 | 16.70 | 105,212 | 2.59 | 47.02 |
120 | Farmers State Bank Allen, Okla. | 23.34 | 21.37 | 41,369 | 2.12 | 55.60 |
121 | Community Bank Granbury, Texas | 23.33 | 21.85 | 450,847 | 2.11 | 59.92 |
122 | First Bank of Berne Ind. | 23.24 | 22.72 | 403,851 | 2.04 | 47.68 |
First State Bank of Golva N.D. | 23.24 | 18.14 | 52,279 | 1.92 | 43.83 | |
124 | Heartland Bank Somers, Iowa | 23.23 | 11.49 | 85,933 | 2.82 | 48.87 |
125 | Marseilles Bank Ill. | 23.21 | 19.82 | 32,907 | 2.07 | 59.11 |
126 | First National Bank of Grayson Ky. | 23.17 | 25.73 | 202,445 | 1.75 | 51.20 |
127 | Viking State Bank and Trust Decorah, Iowa | 23.16 | 22.33 | 98,039 | 2.18 | 41.25 |
128 | Belmont Bank and Trust Co. Chicago | 23.15 | -6.07 | 137,858 | 2.03 | 75.02 |
129 | First State Bank Louise, Texas | 23.07 | 17.19 | 215,723 | 1.92 | 59.27 |
130 | Auburn Banking Co. Ky. | 23.06 | 24.49 | 62,380 | 1.97 | 59.03 |
131 | Mediapolis Savings Bank Iowa | 23.05 | -9.09 | 117,736 | 1.81 | 46.65 |
132 | Bank of Rothville Mo. | 23.03 | 16.35 | 44,642 | 3.11 | 60.36 |
133 | Security State Bank of Fergus Falls Minn. | 22.99 | 25.12 | 122,681 | 1.59 | 49.92 |
134 | United Community Bank Chatham, Ill. | 22.77 | 18.84 | 768,203 | 2.13 | 43.27 |
135 | Phelps County Bank Rolla, Mo. | 22.76 | 22.50 | 226,291 | 1.89 | 65.93 |
136 | Bank of Commerce Chouteau, Okla. | 22.71 | 26.73 | 33,284 | 2.08 | 61.11 |
137 | South Lafourche Bank and Trust Co. Larose, La. | 22.67 | 26.72 | 137,188 | 1.90 | 57.00 |
138 | Taylor County Bank Campbellsville, Ky. | 22.65 | 21.86 | 126,934 | 2.12 | 57.45 |
139 | Trego-WaKeeney State Bank Wakeeney, Kan. | 22.62 | 27.16 | 55,768 | 2.16 | 40.44 |
140 | Paducah Bank and Trust Co. Ky. | 22.59 | 33.92 | 494,094 | 1.92 | 54.99 |
141 | Corydon State Bank Iowa | 22.58 | 19.77 | 64,209 | 3.42 | 22.87 |
Fort Davis State Bank Texas | 22.58 | 23.17 | 67,814 | 2.48 | 71.71 | |
143 | Cowboy Bank of Texas Maypearl | 22.54 | 27.65 | 37,411 | 2.04 | 62.75 |
144 | Houston Community Bank | 22.51 | 21.44 | 233,368 | 1.97 | 57.94 |
First State Bank Avinger, Texas | 22.51 | 20.89 | 18,843 | 1.84 | 46.12 | |
146 | First National Bank of Waseca Minn. | 22.40 | 20.29 | 112,982 | 2.25 | 54.60 |
147 | Community Bank of Cameron Wis. | 22.39 | 17.73 | 89,807 | 1.75 | 54.39 |
148 | Washington State Bank La. | 22.24 | 24.47 | 121,597 | 2.49 | 47.83 |
149 | Vermilion Bank and Trust Co. Kaplan, La. | 22.23 | 26.08 | 92,897 | 1.85 | 60.35 |
150 | Brady National Bank Texas | 22.22 | 17.37 | 83,376 | 1.54 | 66.45 |
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.© 2009 American Banker