Community Banks with Highest Return on Assets

November 02, 2004, 10:08 a.m. EST 1 Min Read

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Community Banks with Highest Return on Assets
In the second quarter of 2004. Dollars in thousands* Published November 2, 2004
Related Table: 2Q Leaders in ROA Improvement and in Effciency
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		2Q '04	2Q '03	Assets	Return on avg. equity	Efficiency ratio
1	International City BankLong Beach, Calif.	7.86%	2.73%	$193,561	65.47%	20.69%
2	Bryant State Bank S.D.	7.32	1.29	19,009	52.67	46.15
3	First Bank of Delaware Brandywine	7.11	3.12	48,945	39.39	43.08
4	First Bank of Northern Kentucky Fort Mitchell	7.1	-5.58	67,233	61.98	137.85
5	Community State Bank Milbank, S.D.	6.4	3.02	65,877	46.95	41.45
6	Spring Valley Bank Wyoming, Ohio	5.45	5.2	50,670	22.78	22.17
7	Peoples State Bank Cherryvale, Kan.	5	2.52	13,568	24.01	42.49
8	First State Bank of Healy Kan.	4.86	2.64	38,420	19.91	38.84
9	First National Bank of Northwest Florida Panama City	4.85	0.85	127,597	45.2	39.66
10	Broadway Bank Chicago	4.77	4.79	530,813	46.47	20.78
11	National Bank of Kansas City Leawood, Kan.	4.76	9.44	310,315	39.51	77.56
12	Bank of St. Edward Neb.	4.52	4.65	34,082	20.4	18.82
13	First Commercial Bank Seguin, Tex.	4.47	0.14	76,194	37.36	42.65
14	Pueblo Bank and Trust Co. Colo.	4.09	3.75	348,065	47.36	49.55
15	First Credit Bank Los Angeles	4.08	3.39	367,561	26.07	22.35
	First National Bank of Lewellen Neb.	4.08	2.12	20,282	17.05	41.29
17	Southern Horizon Bank Leary, Ga.	4.03	7.7	17,391	41.28	70.47
18	Brighton Bank Salt Lake City	4.01	3.44	149,559	35.48	48.11
19	Murphy Bank Fresno	3.96	4.29	97,939	33.85	38.2
20	Transcapital Bank Hallandale, Fla.	3.89	3.22	136,188	30.5	27.4
21	National Republic Bank of Chicago	3.82	3.96	492,763	35.84	21.96
22	Yellowstone Bank Laurel, Mont.	3.77	4.05	294,465	23.18	33.9
23	Vermont State Bank Vermont, Ill.	3.72	3.2	5,844	24.97	46.95
24	American Interstate Bank Elkhorn, Neb.	3.64	2.07	100,061	44.62	26.91
25	University National Bank of Lawrence Kan.	3.57	4.65	91,034	30.28	45.15
26	Franklin National Bank Mount Vernon, Tex.	3.56	0.86	25,770	36.74	62.11
	State Bank of McGregor Minn.	3.56	3.08	42,582	37.55	36.53
28	Peak National Bank Nederland, Colo.	3.45	2.89	193,843	39.99	48.86
29	First National Bank Glen Rose, Tex.	3.43	2.56	47,318	34.04	46.04
	Gateway Business Bank Cerritos, Calif.	3.43	1.53	179,777	21.41	82.92
31	Randall State Bank Minn.	3.42	3.49	31,614	34.1	36.23
32	Elysian Bank Minn.	3.38	3.53	33,332	33.44	31.91
33	Security Bank of South West Missouri Cassville	3.33	3.05	58,055	34.69	45.06
	First State Bank Huntsville, Tex.	3.32	1.5	50,785	28.22	53.64
35	First Bank of Okarche Okla.	3.3	3.11	43,027	18.81	32.25
	Vermillion State Bank Minn.	3.3	3.33	292,386	32.17	30.95
37	Crescent Bank and Trust Co. New Orleans	3.29	4.26	324,067	26.49	57.18
38	Senath State Bank Mo.	3.26	3.44	43,391	22.73	45.01
39	Charter Bank Corpus Christi	3.23	3.5	110,277	49.61	53.7
40	State Bank Texas Irving	3.22	2.85	148,493	32.44	42.36
41	Great Plains Bank Eureka, S.D.	3.21	1.95	38,804	24.72	45.13
42	Corydon State Bank Iowa	3.2	3.26	43,348	26.88	24
43	Bank of Buffalo Ky.	3.18	3.2	51,751	30.93	31.89
44	Adams State Bank Neb.	3.17	2.3	26,119	12.93	37.85
	Justin State Bank Tex.	3.17	2.62	54,972	29.75	45.73
46	Bank of Alma Wis.	3.16	3.17	155,254	12.59	14.22
47	Commerce Bank Geneva, Minn.	3.14	2.72	95,766	28.01	34.11
	Douglas County Bank Douglasville, Ga.	3.14	2.98	231,609	33.35	43.92
	Drummond Community Bank Chiefland, Fla.	3.14	2.74	123,114	25.85	47.51
50	Farmers and Merchants State Bank Pierz, Minn.	3.11	3.07	148,303	35	32.02
51	State Bank of Delano Minn.	3.08	2.42	94,362	24.42	47.65
52	Citizens State Bank of Clara City Minn.	3.07	2.76	153,697	37.9	38.2
53	Deposit Bank of Carlisle Ky.	3.06	2.13	58,751	14.58	34.25
54	Arkansas National Bank Bentonville	3.04	2.72	534,817	36.94	50.85
	Bank of Mauston Wis.	3.04	3.11	168,882	29.27	44.71
	City Bank Lynnwood, Wash.	3.04	3.04	631,519	12.22	53.53
	Union National Bank Elgin, Ill.	3.04	2.51	235,280	32.47	27.53
58	First National Bank of Picayune Miss.	3.03	3.2	156,733	37.07	47.95
	Home State Bank Louisville, Neb.	3.03	2.74	62,688	28.45	39.84
60	First National Bank Rosedale, Miss.	3.02	1.59	47,377	18.92	48.49
61	First Bank and Trust Co. Wagoner, Okla.	3.01	3.23	126,838	30.35	43.56
62	First State Bank Burnet, Tex.	3	2.79	126,374	21.16	43.21
	State Bank of Countryside Ill.	3	2.99	799,237	30.69	31
64	American National Bank of Rock Springs Wyo.	2.99	3.15	49,885	23.7	45.79
	Haverford Trust Co. Radnor, Pa.	2.99	0.75	125,166	28.2	79.54
66	Golf Savings Bank Mountlake Terrace, Wash.	2.98	4.74	211,938	21.19	73.04
	Merchants and Farmers Bank Comer, Ga.	2.98	3.05	118,239	21.04	49.85
	Security State Bank Aitkin, Minn.	2.98	2.86	91,494	27.54	43.61
	State Bank New Prague, Minn.	2.98	3.36	91,643	38.41	40.64
70	FirstBank Antlers, Okla.	2.97	3.27	100,077	31.27	56.07
71	Peoples State Bank De Smet, S.D.	2.94	2.64	51,058	18.13	37.54
72	Farmers and Merchants Bank Kendall, Wis.	2.93	2.76	31,090	33.86	45.19
	First Bank Upper Michigan Gladstone	2.93	3.13	150,020	27.59	47.15
74	First National Bank of Fairfax Minn.	2.92	2.65	23,782	8.91	38.49
	Solon State Bank Iowa	2.92	3.05	65,455	16.53	39.45
76	Citizens State Bank of Cheney Kan.	2.90	2.62	35,821	23.58	47.09
	First Bank of Chandler Okla.	2.9	2.46	57,410	28.67	41.85
	State Bank of Niantic Ill.	2.9	2.41	46,068	18.98	43.72
79	Lindell Bank and Trust Co. St. Louis, Mo.	2.87	2.98	275,433	19.18	37.64
80	Farmers and Merchants Bank Dublin, Ga.	2.86	2.96	403,370	16.52	34.6
81	Riverside Bank Sparkman, Ark.	2.86	2.26	42,792	37.54	48.38
82	Lowry State Bank Minn.	2.84	1.66	25,422	27.03	42.11
83	First National Bank of Sarcoxie Mo.	2.83	2.74	25,136	26.3	49.08
	Jackson State Bank and Trust Wyo.	2.83	2.96	586,098	32.65	39.46
	Montrosebank Montrose, Colo.	2.83	3.04	103,063	32.17	52.39
	Ruby Valley National Bank Twin Bridges, Mont.	2.83	3.3	51,962	25.53	54.21
	State Bank of Lincoln Ill.	2.83	4.22	171,400	20.92	48.42
88	Bank of Las Vegas	2.82	3.27	137,333	33.55	49.93
	Peoples State Bank of Madison Lake Minn.	2.82	1.02	24,309	22.77	52.04
90	First State Bank Forrest, Ill.	2.81	2.78	51,088	28.92	38.32
	Miami Valley Bank Quincy, Ohio	2.81	1.9	131,914	28.19	36.81
92	1st Financial Bank Overland Park, Kan.	2.8	-2.38	54,087	22.47	51.83
	Bank of Galesville Wis.	2.8	2.26	61,813	29.31	57.02
	First State Bank Grove City, Minn.	2.8	1.57	15,782	13.58	53.21
	Peoples Bank and Trust Co. Owenton, Ky.	2.8	2.57	57,730	23.25	51.19
96	Central State Bank Elkader, Iowa	2.78	1.55	85,212	13.2	40.93
	First National Bank of Hudson Woodbury, Minn.	2.78	3.02	347,595	27.68	54.78
	Gunnison Valley Bank Utah	2.78	3.43	48,965	24.38	38.82
99	Farmers State Bank of Adams Minn.	2.77	2.56	61,536	28.16	36.36
	Iowa State Bank Des Moines	2.77	2.71	232,484	26.98	47.34
	Mercantile Bank Louisiana, Mo.	2.77	2.83	115,138	12.33	34.15
	Northpointe Bank Grand Rapids, Mich.	2.77	2.59	211,300	29.78	49.46
103	Clinton State Bank Minn.	2.75	2.75	56,819	22.99	29.34
104	Chambers State Bank Neb.	2.74	3.12	27,139	10.32	34.48
	First National Bank of America East Lansing, Mich.	2.74	2.08	395,892	15.27	50.53
106	Decatur State Bank Ark.	2.73	2.05	146,106	21.55	43.45
	Western Bank St. Paul	2.73	2.33	341,432	28.66	53.61
108	Corner Stone Bank Stewartsville, Mo.	2.72	2.17	100,353	22.73	49.86
	Quail Creek Bank Oklahoma City	2.72	2.52	266,640	28.14	44.77
110	Bank of San Jacinto County Coldspring, Tex.	2.71	1.7	28,246	22.95	62.03
	Connecticut Community Bank Westport	2.71	0.66	256,830	25.68	40.17
	Sun Society Bank Ellington, Mo.	2.71	1.39	258,085	22.34	48.14
113	Peoples Community Bank Greenville, Mo.	2.7	2.29	65,780	19.43	51.65
	River City Bank Louisville, Ky.	2.7	1.85	196,285	21.44	42.19
115	Bank of Hemet Riverside, Calif.	2.69	0.84	326,907	30.9	48.14
116	Farmers State Bank Watkins, Minn.	2.68	2.73	29,720	20.25	48.01
117	Bank of Bonifay Fla.	2.67	2.26	147,792	29.31	55.73
	Gary State Bank Minn.	2.67	2.52	10,142	19.78	55.53
	Pioneer Trust Bank Salem, Ore.	2.67	2.77	214,006	20.05	35.21
120	Bank of Bloomsdale Mo.	2.66	3.45	145,702	34.59	37.83
	Bank of Perry County Lobelville, Tenn.	2.66	1.65	78,541	15.66	37.23
	Hampton State Bank Iowa	2.66	1.95	47,927	22.02	54.05
123	Flathead Bank of Bigfork Mont.	2.65	2.1	159,298	24.23	49.97
	Peoples Community State Bank Doniphan, Mo.	2.65	1.95	82,548	27	50.32
125	Crowell State Bank Tex.	2.64	2.39	21,995	23.28	55.26
	Fife Commercial Bank Wash.	2.64	1.66	64,199	31.23	54.89
127	Moorhead State Bank Iowa	2.63	2.53	14,768	16.19	35.81
128	Bank of St. Elizabeth Mo.	2.62	2.46	45,476	19.38	44.05
	United Prairie Bank New Ulm Minn.	2.62	0.89	29,486	19.19	63.67
130	Bank Northwest Hamilton, Mo.	2.61	2.67	65,940	35.9	48.14
	Bank of the Southwest Roswell, N.M.	2.61	2.5	115,709	30.13	63.03
	Central State Bank State Center, Iowa	2.61	3.07	65,921	15.53	31.79
	First Commerce Bank Corpus Christi	2.61	2.19	121,665	22.04	64.77
	First National Bank of Mount Vernon Mo.	2.61	0.68	87,911	20.21	53.4
	State Bank in Eden Valley Minn.	2.61	2.72	34,545	27.25	39.88
136	Falcon International Bank Laredo, Tex.	2.6	3.06	324,274	27.79	57.34
137	Coffee County Bank Manchester, Tenn.	2.59	2.31	67,882	28	48.65
138	Community State Bank Union Grove, Wis.	2.58	2.79	225,750	24.92	56.32
	First State Bank of Beecher City Ill.	2.58	2.48	36,850	15.65	50.52
140	Chambers Bank Danville, Ark.	2.57	2.59	430,444	21.59	40.86
	First Coleman National Bank Tex.	2.57	2.85	53,322	24.82	53.1
142	First National Bank and Trust St. John, Kan.	2.56	1.79	47,391	18.6	61.58
	Merchants Bank of California Carson	2.56	2.11	56,330	16.08	77.03
144	First National Bank Fabens, Tex.	2.55	2.64	202,666	33.75	42.32
	First State Bank Bedias, Tex.	2.55	2.91	51,661	18.36	46.68
	Lakes State Bank Pequot Lakes, Minn.	2.55	2.93	71,695	22.65	54.52
	Stockmans Bank Elk Grove, Calif.	2.55	2.59	282,688	28.5	42.83
148	Bank of Kimberling City Mo.	2.53	1.43	125,641	25.31	48.76
	Georgia Banking Co. Atlanta	2.53	-0.67	127,976	28.93	73.51
	State Bank of Wiley Colo.	2.53	3.2	70,856	8.97	38.83