Community Banks and Thrifts with Highest Returns on Average Equity

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Community Banks and Thrifts with Highest Returns on Average Equity

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

Rank   Return on avg. equity Assets Return on average assets Efficiency ratio
4Q '08 4Q '07
1 First State Bank Danville, Va. 44.08% -48.98% $27,655 2.49% 74.35%
2 Charter Bank Corpus Christi 40.17 44.97 156,327 2.40 55.36
3 Wilburton State Bank Okla. 39.54 40.54 62,605 2.59 47.95
4 Great Lakes Bankers Bank Gahanna, Ohio 39.49 -0.59 69,754 3.20 46.15
5 First National Bank Mattoon, Ill. 38.97 1.62 54,817 3.07 46.28
6 Plaza Park State Bank Waite Park, Minn. 37.57 11.92 141,061 3.46 43.82
7 Bank of Dade Trenton, Ga. 36.84 42.30 88,234 2.54 51.94
8 Bank of Baker Mont. 36.51 39.53 89,497 3.35 35.35
9 Farmers and Merchants Bank of Kendall Wis. 36.04 33.88 52,634 3.13 41.37
10 First Bank Wadley, Ala. 34.82 28.49 69,360 2.44 48.86
11 Community Bank Longview, Tex. 34.02 34.63 105,936 2.27 62.54
12 Security Bank Odessa, Tex. 33.88 31.60 253,536 2.37 62.63
13 Heritage State Bank Lawrenceville, Ill. 33.10 20.22 83,810 2.75 56.98
14 State Bank of Texas Irving 32.76 39.40 585,494 3.57 21.45
15 Brighton Bank Salt Lake City 32.52 39.53 149,978 4.17 47.31
16 First National Bank of Picayune Miss. 32.11 38.21 206,080 2.88 45.17
17 Home Bank of California San Diego 31.73 29.72 149,758 2.86 40.26
18 Welch State Bank Okla. 31.10 23.44 187,002 2.45 45.51
19 Sound Banking Co. Tacoma 31.00 18.27 49,605 2.34 58.34
20 First American Bank Artesia, N.M. 30.91 36.07 587,834 2.26 56.97
21 Bank of Rantoul Ill. 30.87 22.36 186,344 2.30 41.12
22 Brush Country Bank Freer, Tex. 30.44 27.08 39,856 2.05 54.21
23 Bank of Bloomsdale Mo. 30.42 32.97 168,835 2.45 41.54
24 Quail Creek Bank Oklahoma City 30.00 32.75 402,651 2.49 45.39
25 State Bank of New Richland Minn. 29.95 29.13 79,836 2.09 43.76
26 Security First National Bank of Hugo Okla. 29.89 32.95 101,032 2.31 42.63
27 First National Bank Fabens, Tex. 29.84 37.83 266,553 2.27 51.11
28 First National Bank Arcadia, La. 29.79 27.59 163,550 2.18 60.54
29 Security Bank of Southwest Missouri Cassville 29.69 28.93 67,415 2.65 47.78
30 Texas Bank Brownwood 29.65 32.85 284,256 3.00 54.51
31 Bank of Calhoun County Hardin, Ill. 29.58 11.66 58,822 2.53 77.42
32 Citizens Bank of Las Cruces N.M. 29.18 33.83 330,588 2.42 54.68
33 Delta Bank Vidalia, La. 28.97 26.64 175,107 2.14 59.84
34 Riverside Bank Sparkman, Ark. 28.94 29.58 51,378 2.26 57.06
35 First Capital Bank Guthrie, Okla. 28.44 19.04 127,365 2.35 53.86
36 South Lafourche Bank and Trust Co. Larose, La. 28.26 33.16 125,958 2.37 54.88
37 Lusk State Bank Wyo. 28.16 30.03 40,348 2.40 53.08
38 Auburn Banking Co. Ky. 28.14 25.49 62,401 2.15 56.70
39 Bank of Las Vegas N.M. 27.88 30.18 175,602 2.36 53.43
40 The Bank Oberlin, Kan. 27.83 30.59 168,915 2.83 36.11
41 Farmers and Merchants State Bank of Pierz Minn. 27.70 24.97 169,497 2.21 41.30
42 InvestorsBank Pewaukee, Wis. 27.59 22.29 270,391 2.48 19.98
43 Peoples Bank and Trust Co. Owenton, Ky. 27.40 17.43 85,524 2.88 44.16
44 Vermilion Bank and Trust Co. Kaplan, La. 27.29 26.45 99,605 2.36 57.75
45 National Bank of Andrews Tex. 27.19 31.96 99,799 2.52 66.40
46 Bank of the West El Paso 27.14 28.54 734,910 2.19 55.70
47 Alamosa State Bank Colo. 26.85 29.37 133,534 2.70 47.62
48 Armstrong Bank Muskogee, Okla. 26.77 29.00 520,910 2.48 58.64
49 Bank Northwest Hamilton, Mo. 26.74 30.89 87,362 2.15 52.19
50 MontroseBank Colo. 26.63 30.34 186,692 2.46 53.11
51 Heritage Bank Wood River, Neb. 26.38 27.02 409,026 2.61 39.36
52 Pikes Peak National Bank Colorado Springs 26.27 27.69 88,256 2.32 49.01
53 Western National Bank Odessa, Tex. 26.17 31.80 952,649 2.18 51.89
54 Community Bank Bristow, Okla. 26.10 26.35 62,806 1.89 53.32
55 Grand Marais State Bank Minn. 26.08 22.98 64,648 2.27 55.24
Southwest National Bank Wichita 26.08 23.70 344,514 2.23 53.35
57 Bank of the West Grapevine, Tex. 26.01 20.88 249,973 2.31 63.51
58 Bank of Commerce Chouteau, Okla. 25.90 26.93 32,253 2.32 62.68
Marion County State Bank Pella, Iowa 25.90 21.11 199,543 2.13 39.97
60 First Security Bank-Sleepy Eye Minn. 25.78 5.36 176,956 2.16 54.02
61 Horizon Bank Waverly, Neb. 25.75 21.26 118,684 2.37 41.16
62 Central National Bank of Poteau Okla. 25.63 31.44 191,003 2.30 53.52
63 Lamar Bank and Trust Co. Mo. 25.57 27.59 114,009 2.37 49.95
64 Almena State Bank Kan. 25.56 24.11 16,883 1.77 75.62
65 First Bank Burkburnett, Tex. 25.44 29.88 229,070 2.02 58.52
66 First Bank and Trust Co. Wagoner, Okla. 25.40 35.27 212,686 2.26 46.13
67 Community Bank of the Arbuckles Sulphur, Okla. 25.32 17.75 76,932 1.64 62.13
68 Texas Bank Henderson 25.18 22.87 194,317 1.75 58.41
69 Nebraska State Bank Oshkosh 25.14 30.34 38,392 2.30 57.30
70 1st Bank and Trust Broken Bow, Okla. 24.75 25.97 107,827 2.59 51.38
71 Bank of Buffalo Ky. 24.73 20.13 60,297 2.25 36.09
72 Union Bank and Trust Co. Livingston, Tenn. 24.71 22.27 76,646 2.32 46.03
73 American Interstate Bank Elkhorn, Neb. 24.66 16.91 101,905 2.01 46.36
74 Peoples Bank Paris, Tex. 24.62 23.06 113,331 2.18 64.02
75 First Community Bank Milton, Wis. 24.57 21.52 75,228 2.01 53.41
76 Western Commerce Bank Carlsbad, N.M. 24.54 25.32 302,141 2.51 53.32
77 Prairie Sun Bank Milan, Minn. 24.53 18.71 30,752 1.87 61.84
78 First National Bank of Central Texas Waco 24.52 23.46 389,757 2.11 52.83
Wells Bank of Platte City Mo. 24.52 20.99 67,472 2.23 50.86
80 Justin State Bank Tex. 24.48 30.23 72,222 2.32 53.59
81 First National Bank in Graham Tex. 24.40 28.01 220,665 1.93 54.28
82 FirstBank Antlers, Okla. 24.38 23.84 170,678 2.24 63.97
83 Vermillion State Bank Minn. 24.37 28.73 414,897 2.79 26.04
84 Union Bank of Mena Ark. 24.34 27.65 146,582 2.10 59.44
85 Paducah Bank and Trust Co. Ky. 24.32 25.15 487,855 2.02 54.53
86 Bank of Hemet Riverside, Calif. 24.19 29.34 429,271 2.16 47.61
87 Morris State Bank Okla. 24.17 27.51 62,549 2.17 54.59
88 Ultima Bank Minnesota Winger 24.15 25.46 89,652 2.01 52.65
89 Citizens State Bank of Clayton Wis. 24.08 11.22 66,982 1.81 60.68
90 Fife Commercial Bank Wash. 24.06 30.59 88,527 2.00 55.95
91 Lone Star State Bank Tex. 24.05 62.68 35,666 2.29 50.86
92 First Whitney Bank and Trust Atlantic, Iowa 24.00 22.50 130,989 2.57 35.41
93 Mainland Bank Texas City 23.98 27.23 91,614 1.99 57.18
94 First State Bank Chico, Tex. 23.96 24.59 176,039 1.80 58.21
95 Four Corners Community Bank Farmington, N.M. 23.93 18.81 181,935 1.81 54.10
96 Crockett National Bank San Angelo, Tex. 23.91 20.30 288,332 2.32 53.86
97 Home State Bank Louisville, Neb. 23.83 25.44 83,980 2.35 46.82
98 Great Plains National Bank Elk City, Okla. 23.75 11.30 338,733 1.97 61.91
99 Buffalo Ridge Bank Beardsley, Minn. 23.60 23.60 36,427 1.97 55.75
100 First National Bank and Trust Co. of Vinita Okla. 23.59 16.98 216,186 1.99 59.61
101 First Community Bank of Central Alabama Wetumpka 23.57 26.42 235,900 1.69 58.74
102 Community State Bank Hennessey, Okla. 23.55 22.53 32,825 2.04 68.39
103 West Texas State Bank Odessa 23.43 25.14 247,041 2.41 48.36
104 First Neodesha Bank Kan. 23.41 22.71 61,062 1.81 56.32
105 Centinel Bank of Taos N.M. 23.40 28.94 151,435 1.90 64.03
106 First American Bank Stonewall, Okla. 23.33 23.60 20,992 2.35 55.69
107 First National Bank Heavener, Okla. 23.28 28.31 89,635 1.71 51.20
108 Security State Bank of Fergus Falls Minn. 23.23 15.84 125,176 1.55 55.73
109 Bank of DeSoto Tex. 23.11 18.90 152,082 2.11 57.47
Cumberland Security Bank Somerset, Ky. 23.11 18.03 174,333 2.43 49.25
111 First State Bank Avinger, Tex. 23.08 20.87 18,996 2.10 50.66
112 First Community Bank Lester Prairie, Minn. 23.06 13.11 28,078 1.87 59.02
113 Bank of the Southwest Roswell, N.M. 23.04 38.85 143,714 2.01 69.48
114 First National Bank of La Grange Ill. 23.03 27.30 257,907 2.27 56.09
First Madison Valley Bank Ennis, Mont. 23.03 27.06 86,219 1.85 65.16
116 Peoples Community State Bank Doniphan, Mo. 23.00 23.15 111,934 2.73 46.79
117 First State Bank and Trust Co. Fremont, Neb. 22.99 17.46 194,317 1.90 53.38
118 First Bank of Berne Ind. 22.95 17.81 406,458 1.87 47.65
First National Bank of Las Animas Colo. 22.95 23.69 230,247 1.87 48.81
120 First Bank of Chandler Okla. 22.93 28.62 69,051 2.19 51.51
121 Ruby Valley National Bank Twin Bridges, Mont. 22.90 22.67 69,705 2.87 53.10
122 Guaranty Bond Bank Mount Pleasant, Tex. 22.86 16.03 706,628 1.72 58.80
123 Farmers State Bank Allen, Okla. 22.85 14.53 40,936 1.93 55.06
124 American State Bank Osceola, Iowa 22.81 21.42 101,618 1.78 56.63
125 Bank of Union El Reno, Okla. 22.79 18.29 235,777 2.18 44.53
Coffee County Bank Manchester, Tenn. 22.79 24.51 126,243 2.16 43.10
127 First Financial Bank El Dorado, Ark. 22.76 25.64 601,167 2.00 61.26
128 First National Bank of Hughes Springs Tex. 22.71 22.89 176,069 2.31 48.41
129 Northern State Bank Ashland, Wis. 22.69 22.97 165,587 1.85 54.56
130 First Southeast Bank Harmony, Minn. 22.68 19.00 48,635 1.99 59.94
131 First National Bank of Santa Fe N.M. 22.67 26.90 628,260 1.89 60.98
132 West Texas State Bank Snyder 22.64 21.45 119,655 1.96 59.55
133 Citizens State Bank of Waverly Minn. 22.59 29.74 66,141 1.89 62.66
134 Taylor County Bank Campbellsville, Ky. 22.44 2.81 119,445 2.03 58.26
135 Citizens State Bank Grainfield, Kan. 22.33 30.34 9,694 1.92 56.43
136 Cowboy Bank of Texas Maypearl 22.32 21.68 38,985 1.90 65.20
137 Citizens National Bank of Bluffton Ohio 22.31 20.03 542,933 1.50 60.87
Citizens State Bank Okemah, Okla. 22.31 10.12 131,108 1.92 46.02
139 Basile State Bank La. 22.23 18.33 47,327 1.96 63.43
140 Bank of Hydro Okla. 22.22 28.41 95,575 2.05 46.26
Farmers and Merchants Bank of Mound City Kan. 22.22 14.97 43,403 1.35 60.32
142 First Security Bank of Roundup Mont. 22.19 23.62 43,069 2.56 55.75
Phelps County Bank Rolla, Mo. 22.19 23.31 226,940 1.71 60.76
144 Farmers Bank Carnegie, Okla. 22.17 13.05 46,190 2.33 58.18
Jackson County Bank Black River Falls, Wis. 22.17 21.58 187,947 1.79 45.37
146 Marseilles Bank Ill. 22.14 20.77 31,482 1.82 61.72
Peoples State Bank Summit, S.D. 22.14 28.93 46,873 1.93 43.19
148 Houston Community Bank 22.13 22.58 216,205 1.91 58.06
149 First National Bank of Muskogee Okla. 22.12 25.45 142,804 1.61 66.06
150 Hyden Citizens Bank Ky. 21.97 18.92 123,213 1.63 62.95

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