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Community Banks and Thrifts with Highest Returns on Average Equity

January 15, 2009, 10:08 a.m. EST 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 Sept. 30, 2008. Dollars in thousands
Published January 15, 2009
Rank   Return on avg. equity Assets Return on average assets Efficiency ratio
3Q '08 3Q '07
1 First State Bank Danville, Va. 193.88% -43.68% $27,819 10.97% 39.64%
2 First Georgia Community Bank Jackson 117.67 -4.43 256,371 7.91 125.66
3 Palm Desert National Bank Calif. 83.84 17.52 403,019 7.59 33.06
4 Bank of the West Grapevine, Tex. 68.20 40.55 246,495 6.05 39.38
5 Heritage State Bank Lawrenceville, Ill. 59.90 22.95 81,441 4.80 52.67
6 Almena State Bank Kan. 54.69 39.20 16,167 3.78 56.41
7 First State Bank of Winchester Ill. 53.27 18.78 33,937 2.53 58.75
8 NBC Oklahoma Oklahoma City 45.43 15.22 408,877 2.72 67.14
9 Charter Bank Corpus Christi 45.33 44.06 155,110 2.64 53.11
10 Bank of Baker Mont. 42.34 45.56 81,657 3.74 29.81
11 Farmers and Merchants Bank of Kendall Wis. 41.92 41.74 50,684 3.46 36.53
12 Wilburton State Bank Okla. 40.87 42.12 59,702 2.59 46.69
13 Vintage Bank Waxahachie, Tex. 40.56 19.72 123,761 3.92 47.59
14 United Bank and Trust Co. New Orleans 40.52 -14.78 25,378 2.53 77.41
15 First State Bank Armour, S.D. 40.46 32.50 79,296 3.58 45.73
16 First Security Bank-Sleepy Eye Minn. 40.19 14.89 170,893 3.18 55.63
17 State Bank of Texas Irving 39.78 41.35 595,745 4.24 22.99
18 Community Bank Longview, Tex. 39.52 38.82 99,071 2.62 57.26
19 Bank of Dade Trenton, Ga. 38.69 40.88 81,766 2.64 51.18
20 Pan American Bank Chicago 37.79 7.29 76,431 4.03 54.08
21 First Bank Wadley, Ala. 36.85 28.46 69,098 2.52 47.81
22 Prairie Sun Bank Milan, Minn. 36.69 20.57 31,116 2.72 49.28
23 Citizens Bank and Trust Co. of Chicago 36.43 -32.75 73,563 2.68 63.04
24 Security State Bank Odessa, Tex. 36.42 34.02 252,284 2.46 62.52
25 KSB Bank Keokuk, Iowa 36.13 10.46 104,279 3.77 52.58
26 Kaw Valley State Bank and Trust Co. Wamego, Kan. 34.89 14.73 129,915 2.80 55.62
27 Farmers and Merchants State Bank of Blooming Prairie Minn. 34.65 31.61 62,160 2.80 46.63
28 First National Bank of Picayune Miss. 34.57 47.19 221,214 3.01 41.89
29 Bank of Rantoul Ill. 34.30 24.74 182,193 2.36 38.39
30 Brighton Bank Salt Lake City 33.96 38.90 156,158 4.25 46.29
31 PrinsBank Prinsburg, Minn. 33.85 35.04 49,219 4.57 51.60
32 Security Bank of Southwest Missouri Cassville 33.72 31.62 69,553 2.89 44.83
33 First Bank Kansas Salina 33.62 20.83 183,820 2.92 69.94
34 Bank of Paxton Neb. 33.57 44.50 14,871 4.69 60.87
35 First National Bank Artesia, N.M. 33.34 38.37 568,590 2.33 56.22
36 Stock Growers Bank Napoleon, N.D. 33.12 20.27 44,247 3.61 35.09
37 First National Bank Arcadia, La. 33.11 29.94 159,851 2.47 59.23
38 Delta Bank Vidalia, La. 32.74 28.89 176,326 2.28 59.29
39 Welch State Bank Okla. 32.64 26.13 188,689 2.58 43.59
40 Quail Creek Bank Oklahoma City 32.28 31.04 395,142 2.57 44.46
41 Bank of Bloomsdale Mo. 32.25 34.89 165,334 2.54 41.34
42 State Bank of Delphos Kan. 31.92 21.08 35,117 2.77 51.93
43 Auburn Banking Co. Ky. 31.43 26.35 61,411 2.20 56.23
44 First Security Bank-Lake Benton Minn. 31.29 20.67 24,923 2.24 48.49
45 Alamosa State Bank Colo. 30.79 30.47 132,752 3.06 42.47
46 Mainland Bank Texas City 30.74 29.99 88,601 2.39 52.58
47 Four Corners Community Bank Farmington, N.M. 30.54 23.69 168,764 2.22 50.78
48 Roxbury Bank Kan. 30.52 25.67 18,783 2.94 49.83
49 State Bank of New Richland Minn. 30.45 29.37 75,187 2.03 40.56
50 Lusk State Bank Wyo. 30.35 30.80 37,860 2.61 53.46
51 Texas Heritage Bank Cross Plains 30.27 19.25 77,211 2.31 73.65
52 Citizens Bank of Las Cruces N.M. 30.14 33.93 332,459 2.44 54.63
53 Bank Northwest Hamilton, Mo. 29.97 31.08 86,418 2.45 50.70
54 Gulf Coast Bank and Trust Co. New Orleans 29.89 39.85 884,588 2.06 70.50
55 American State Bank and Trust Co. of Williston N.D. 29.84 30.32 265,851 1.91 49.43
56 Citizens State Bank Okemah, Okla. 29.74 14.61 129,000 2.30 32.74
57 Great Plains National Bank Elk City, Okla. 29.70 21.03 335,254 2.47 55.06
58 State Savings Bank Creston, Iowa 29.57 22.89 42,171 2.68 42.97
59 Security Savings Bank Eagle Grove, Iowa 29.56 18.89 97,806 2.36 43.29
60 Peoples Bank and Trust Co. Owenton, Ky. 29.50 16.98 74,886 3.09 43.21
61 Heritage Bank Wood River, Neb. 29.36 31.53 428,803 2.84 36.15
South Lafourche Bank and Trust Co. Larose, La. 29.36 32.14 123,252 2.43 55.56
63 The Bank McAlester, Okla. 29.19 26.87 379,750 2.17 51.58
64 First Bank of Chandler Okla. 29.17 30.27 70,286 2.70 44.60
65 Farmers and Merchants State Bank of Pierz Minn. 29.16 30.64 163,713 2.23 40.04
66 First State Bank of Sharon Aneta, N.D. 29.15 -0.94 42,023 2.56 80.76
67 Vermilion Bank and Trust Co. Kaplan, La. 29.14 28.06 87,936 2.54 55.76
68 Sound Banking Co. Tacoma 28.89 25.33 51,705 2.13 54.45
69 FreedomBank Elkader, Iowa 28.69 14.66 233,253 2.97 31.62
70 First National Bank in Graham Tex. 28.66 27.37 220,431 2.11 52.88
71 First Community Bank of Central Alabama Wetumpka 28.58 28.67 233,314 2.04 46.89
First National Bank Fabens, Tex. 28.58 36.63 261,211 2.19 53.01
73 Luana Savings Bank Iowa 28.49 17.51 271,787 1.90 48.92
74 Cumberland County Bank Crossville, Tenn. 28.27 24.27 227,921 1.92 50.20
75 Grand Marais State Bank Minn. 28.20 26.16 64,876 2.39 52.32
76 First National Bank in Cimarron Kan. 28.16 24.99 63,687 2.01 58.37
Unico Bank Mineral Point, Mo. 28.16 18.01 186,385 2.06 52.01
78 Texas Bank Brownwood 28.08 33.73 241,540 2.97 55.32
79 Lamar Bank and Trust Co. Mo. 27.95 28.58 107,422 2.64 46.50
80 Bank of the West El Paso 27.93 28.85 723,632 2.17 56.42
81 Armstrong Bank Muskogee, Okla. 27.91 29.21 497,796 2.54 57.48
82 Crockett National Bank Ozona, Tex. 27.90 20.59 288,701 2.74 49.11
83 American State Bank of Grygla Minn. 27.85 31.78 20,995 2.72 58.09
84 Security First National Bank of Hugo Okla. 27.80 32.20 100,553 2.23 43.00
85 Grand Rivers Community Bank Grand Chain, Ill. 27.71 7.92 15,825 2.26 71.18
86 First Community State Bank Staunton, Ill. 27.66 3.16 51,997 2.26 74.85
87 Falcon International Bank Laredo, Tex. 27.59 15.93 890,163 2.05 54.61
88 Marion County State Bank Pella, Iowa 27.39 23.85 196,466 2.24 36.86
89 Central National Bank of Poteau Okla. 27.30 33.78 177,636 2.44 52.42
90 First State Bank and Trust Co. Fremont, Neb. 27.18 23.04 188,532 2.19 50.49
91 First Bank and Trust Co. Wagoner, Okla. 27.02 38.91 183,082 2.43 44.39
92 Southwest National Bank Wichita 27.00 24.95 337,079 2.30 51.40
93 Rock River Bank Oregon, Ill. 26.91 13.64 90,163 1.58 51.29
94 Kress National Bank Tex. 26.86 21.39 35,359 2.52 47.12
95 1st Bank and Trust Broken Bow, Okla. 26.79 29.79 106,456 2.80 49.35
National Republic Bank of Chicago 26.79 32.78 957,433 2.31 28.72
97 Riverside Bank Sparkman, Ark. 26.76 23.81 50,500 2.13 57.59
98 Western National Bank Odessa, Tex. 26.66 31.06 896,497 2.21 51.54
99 National Bank of Andrews Tex. 26.63 39.58 95,623 2.40 66.06
100 Elysian Bank Minn. 26.61 28.16 35,110 2.65 41.75
Home Bank of California San Diego 26.61 29.40 145,242 2.55 43.71
102 Capital Bank St. Paul 26.47 18.26 40,053 2.00 54.41
103 Buffalo Ridge Bank Beardsley, Minn. 26.44 24.94 33,704 2.19 53.55
104 Bank of Union El Reno, Okla. 26.43 19.87 227,153 2.49 39.72
105 American Interstate Bank Elkhorn, Neb. 26.34 24.28 104,723 2.14 44.11
106 Sundown State Bank Tex. 26.29 19.32 106,939 2.04 54.03
107 First National Bank Rosedale, Miss. 26.07 14.72 75,703 3.34 36.90
108 International Bank of Chicago 26.05 0.42 177,889 2.46 48.79
109 Bank of Hemet Riverside, Calif. 26.03 30.07 434,319 2.36 48.09
Central Bank and Trust Lander, Wyo. 26.03 33.16 94,749 2.04 54.21
Farmers State Bank Allen, Okla. 26.03 14.66 40,951 2.17 49.41
First National Bank and Trust Co. of Vinita Okla. 26.03 18.36 216,621 2.16 59.55
113 Butte State Bank Neb. 26.01 18.80 43,987 2.52 48.00
114 First Whitney Bank and Trust Atlantic, Iowa 26.00 23.84 121,177 2.77 32.74
115 Nebraska State Bank Oshkosh 25.96 27.44 42,094 2.27 57.60
116 Ultima Bank Minnesota Winger 25.95 27.48 85,345 2.12 54.52
117 State Bank of Cochran Ga. 25.93 19.61 206,298 2.63 49.80
118 Alpine Bank and Trust Co. Rockford, Ill. 25.89 16.03 891,969 1.82 70.77
119 Bank of Vici Okla. 25.84 21.47 30,481 2.60 56.93
Farmers and Merchants State Bank Plankinton, S.D. 25.84 21.94 64,652 2.65 45.55
121 First National Bank of Central Texas Waco 25.82 23.91 393,477 2.13 50.69
122 Rock Springs National Bank Wyo. 25.80 27.39 301,668 1.96 49.59
123 Peoples Bank Paris, Tex. 25.71 23.62 120,435 2.13 64.02
124 Bank of Ontario Wis. 25.69 24.16 29,134 2.18 58.31
125 Taylor County Bank Campbellsville, Ky. 25.62 -32.55 119,163 2.31 54.53
126 FirstBank Antlers, Okla. 25.60 23.71 164,903 2.31 62.00
Welcome State Bank Minn. 25.60 24.09 19,528 2.63 47.43
128 The Bank Oberlin, Kan. 25.57 28.07 157,972 2.56 40.78
129 United Community Bank of North Dakota Leeds 25.56 26.01 170,989 1.89 47.96
130 First State Bank Chico, Tex. 25.55 28.89 170,685 1.84 61.79
131 First National Bank in Lamar Colo. 25.46 20.13 191,619 2.34 44.36
132 Fife Commercial Bank Wash. 25.45 29.80 88,507 2.12 54.95
133 Mediapolis Savings Bank Iowa 25.41 9.23 117,702 1.76 43.80
134 Hyden Citizens Bank Ky. 25.31 20.25 118,848 1.73 61.40
135 First National Bank of Santa Fe N.M. 25.29 27.90 597,615 2.08 58.32
136 Bank of St. Croix Christiansted, Virgin Islands 25.26 37.25 100,327 2.32 58.47
Metropolitan Bank Oakland, Calif. 25.26 17.27 137,973 2.23 45.16
138 Cumberland Security Bank Somerset, Ky. 25.25 17.90 166,199 2.66 51.11
139 MontroseBank Colo. 25.10 32.11 188,988 2.33 52.23
Paducah Bank and Trust Co. Ky. 25.10 24.83 478,266 2.07 55.26
141 Clinton State Bank Minn. 24.93 21.30 60,977 2.98 28.79
Shelby Savings Bank Center, Tex. 24.93 19.20 205,937 1.90 51.63
143 Security State Bank of Fergus Falls Minn. 24.85 16.68 123,252 1.64 55.57
144 Volunteer State Bank Portland, Tenn. 24.84 24.16 309,424 1.90 70.14
145 Community Bank of El Dorado Springs Mo. 24.77 15.57 83,560 2.49 30.30
Union Bank of Mena Ark. 24.77 28.81 153,894 2.09 59.71
147 First National Bank of Jeanerette La. 24.75 28.72 135,879 2.14 56.07
148 Texas Bank Henderson 24.68 23.20 194,967 1.75 53.18
149 Bank of Commerce Chouteau, Okla. 24.63 25.88 33,729 2.12 64.26
150 First Bank of Berne Ind. 24.62 19.45 401,652 2.01 47.96

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
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