Community Banks with Highest Return on Assets

Published March 24, 2005, 10:08 a.m. EST

Updated January 02, 1970, 9:08 a.m. EST

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Community Banks with Highest Return on Assets

Community Banks with Highest Return on Assets
In the fourth quarter of 2004. Dollars in thousands* March 24, 2005
Related Table: 4Q Leaders in ROA Improvement and in Efficiency
		Return on avg. assets
Rank		4Q '04	4Q '03	Assets	Return on avg. equity	Efficiency ratio
1	Community State Bank Milbank, S.D.	8.76%	4.80%	$83,576	49.75%	22.54%
2	Philadelphia Trust Co.	6.53	5.27	23,551	17.14	63.95
3	First Bank of Delaware Brandywine	6.5	4.51	58,608	34.48	42.12
4	Bryant State Bank S.D.	6.01	1.87	18,466	40.46	61.98
5	International City BankLong Beach, Calif.	5.45	2.03	211,365	43.8	26.68
6	Communitys Bank Bridgeport, Conn.	5.29	-0.56	27,509	43.62	48.24
7	Spring Valley Bank Wyoming, Ohio	5	4.82	47,757	19.72	23.29
8	First Bank of Northern Kentucky Fort Mitchell	4.91	-8.29	64,565	37.59	126.86
9	Broadway Bank Chicago	4.76	4.82	565,074	44.29	18.58
	Peoples State Bank Cherryvale, Kan.	4.76	2.54	13,266	22.36	44.33
11	National Bank of Kansas City Leawood, Kan.	4.01	7.36	339,949	36.24	79.58
12	National Republic Bank Chicago	3.96	4.1	482,705	35.85	24.59
13	First National Bank Northwest Florida Panama City	3.94	0.95	140,185	35.17	42.36
14	First Credit Bank Los Angeles	3.92	3.42	323,158	23.6	24.79
15	Murphy Bank Fresno	3.91	4.25	97,034	32.59	37.86
16	Brighton Bank Salt Lake City	3.88	3.61	160,363	35.02	47.97
17	Kasson State Bank Minn.	3.85	1.31	60,808	37.58	38.37
18	Transcapital Bank Hallandale, Fla.	3.79	3.66	147,923	29.45	27.02
19	Pueblo Bank and Trust Co. Colo.	3.75	3.81	365,426	41.88	50.92
20	State Bank of McGregor Minn.	3.64	3.32	44,609	38.13	36.37
21	State Bank of Texas Irving	3.6	3.24	185,671	35.3	37.73
22	Southern Horizon Bank Leary, Ga.	3.49	4.64	18,552	35.09	73.58
23	Helm Bank Miami	3.43	2.18	355,515	51.08	41.51
24	Security Bank of South West Missouri Cassville	3.41	3.27	55,962	35.3	44.83
25	Randall State Bank Minn.	3.38	3.22	33,968	34.29	34.26
26	First State Bank of Healy Kan.	3.32	2.45	40,708	13.43	54.18
	Vermillion State Bank Minn.	3.32	3.32	310,432	31.95	29.69
28	Commerce Bank Geneva, Minn.	3.27	2.86	121,219	30.31	33.41
29	Charter Bank Corpus Christi, Tex.	3.26	3.36	127,995	50.69	51.8
30	Corydon State Bank Iowa	3.23	3.26	45,724	26.7	23.26
31	Yellowstone Bank Laurel, Mont.	3.21	3.12	304,328	20.17	42.16
	Elysian Bank Minn.	3.21	3.19	33,596	31.07	36.05
	Drummond Community Bank Chiefland, Fla.	3.21	2.76	137,427	25.87	47.93
34	Farmers and Merchants State Bank Pierz, Minn.	3.19	3.22	149,475	34.77	32.48
35	University National Bank of Lawrence Kan.	3.17	4.15	88,577	26.79	49.41
36	Pan American Bank Chicago	3.15	-3.12	31,061	28.9	76.22
37	Haverford Trust Co. Radnor, Pa.	3.13	1.35	123,396	26.94	80.26
38	Miami Valley Bank Quincy, Ohio	3.11	2.18	128,728	30.48	35.87
39	Douglas County Bank Douglasville, Ga.	3.09	3.01	271,376	33.81	44.26
	Deposit Bank of Carlisle Ky.	3.09	2.3	58,617	14.36	32.7
41	First National Bank of Picayune Miss.	3.08	3.06	161,008	37.73	46.99
42	Security State Bank Aitkin, Minn.	3.07	2.76	89,765	28.81	43.13
43	Ruby Valley National Bank Twin Bridges, Mont.	3.04	3	53,524	26.99	51.1
44	Union National Bank Elgin, Ill.	3.03	2.31	253,597	31.97	32.27
45	State Bank of Countryside Ill.	3.02	2.97	878,262	31.31	30.21
46	Peak National Bank Nederland, Colo.	3.01	3.03	182,862	34.78	52.16
47	American Interstate Bank Elkhorn, Neb.	3	2.08	106,229	35.64	28.42
48	Merchants and Farmers Bank Comer, Ga.	2.99	2.79	119,232	22.72	51.24
49	First Bank Upper Michigan Gladstone	2.98	3.24	151,949	27.72	46.25
50	Citizens State Bank of Cheney Kan.	2.97	2.73	35,215	23.49	47.08
51	Plains Commerce Bank Hoven, S.D.	2.96	1.8	234,679	19.67	46.2
	City Bank Lynnwood, Wash.	2.96	3.01	667,362	12.13	54.37
	Riverside Bank Sparkman, Ark.	2.96	2.58	44,046	38.45	50.97
54	Great Plains Bank Eureka, S.D.	2.93	2.75	39,487	22.14	44.72
55	Home State Bank Louisville, Neb.	2.92	2.59	61,083	27.21	40.83
56	Solon State Bank Iowa	2.91	2.95	64,904	16.13	41.68
57	Jackson State Bank and Trust Wyo.	2.9	2.87	664,761	34.06	37.84
	First Coleman National Bank Tex.	2.9	2.66	53,723	26.89	50.42
59	Bank of Alma Wis.	2.89	3.06	162,064	11.39	15.3
	American National Bank of Rock Springs Wyo.	2.89	3.08	48,957	22.86	47.35
61	Golf Savings Bank Mountlake Terrace, Wash.	2.88	4.18	270,936	22.22	72.45
62	Bank of Mauston Wis.	2.86	3	172,181	27.63	46.72
63	Montrosebank Montrose, Colo.	2.85	2.87	119,629	32.41	51.77
64	First National Bank of Sarcoxie Mo.	2.84	2.83	25,222	26.19	48.76
	State Bank of Niantic Ill.	2.84	2.56	47,040	18.52	43.7
66	Peoples State Bank De Smet, S.D.	2.83	2.39	53,244	17.24	40.07
67	First Bank of Chandler Okla.	2.79	2.4	59,032	27.34	45.72
68	Farmers and Merchants Bank Kendall, Wis.	2.78	2.71	32,029	32.31	47.69
	First National Bank American East Lansing, Mich.	2.78	2.31	324,890	17.22	51.68
	First Commerce Bank Corpus Christi, Tex.	2.78	2.21	122,121	23.69	62.58
71	Arkansas National Bank Bentonville	2.77	2.83	631,493	34.64	51.25
	Citizens State Bank of Clara City Minn.	2.77	2.5	174,848	34.31	40.16
	State Bank of Delano Minn.	2.77	2.62	108,113	23.06	50.47
74	Lindell Bank and Trust Co. St. Louis	2.76	2.62	281,797	18.13	36.75
	State Bank of Lincoln Ill.	2.76	3.62	175,368	20.4	50.24
	First Bank and Trust Co. Wagoner, Okla.	2.76	2.96	143,679	28.93	48.52
77	Summit Community Bank Moorefield, W.Va.	2.73	0.95	603,950	33.63	46.79
	Iowa State Bank Des Moines	2.73	2.82	236,990	26.23	48.65
	First State Bank Forrest, Ill.	2.73	2.7	53,536	28.02	39.02
80	Crescent Bank and Trust Co. New Orleans	2.72	4.11	306,937	21.81	60.21
	Pioneer Trust Bank Salem, Ore.	2.72	2.79	222,752	20.29	35.53
	Peoples Bank and Trust Co. Owenton, Ky.	2.72	2.65	59,115	22.62	52.73
83	Justin State Bank Tex.	2.71	2.28	59,268	25.25	54.66
84	Metropolitan National Bank Springfield, Mo.	2.7	1.6	466,497	23.51	53.76
85	Bank Northwest Hamilton, Mo.	2.69	2.89	64,529	36.85	46.96
86	County Bank Rehoboth Beach, Del.	2.68	2.69	283,707	29.09	46.69
87	Lakeside Bank Chicago	2.68	3	588,322	26.03	45.46
	American Bank Lake City Minn.	2.68	1.75	77,753	17.81	45.17
89	Fife Commercial Bank Wash.	2.67	1.73	68,901	31.09	54.19
90	Community National Bank North Branch, Minn.	2.66	2.87	125,657	23.55	55.79
91	State Bank of Wiley Colo.	2.65	3.15	84,524	9.83	37.68
	First State Bank Grove City, Minn.	2.65	2	16,150	12.92	55.83
	Chambers Bank Danville, Ark.	2.65	2.27	446,311	22.02	42.04
	First National Bank of Hudson Woodbury, Minn.	2.65	2.99	361,134	26.48	55.9
	Lowry State Bank Minn.	2.65	2.09	27,079	24.87	41.68
	Senath State Bank Mo.	2.65	2.64	50,457	18.37	47.39
97	Security Bank Pawnee, Okla.	2.64	1.87	240,428	27.64	29.32
	Bank of Bonifay Fla.	2.64	2.31	157,522	28.07	54.51
99	Mercantile Bank Louisiana, Mo.	2.63	2.56	115,033	11.78	37.34
	Sun Society Bank Ellington, Mo.	2.63	1.25	272,006	20.97	46.27
	Lakes State Bank Pequot Lakes, Minn.	2.63	2.93	72,949	23.7	54.36
	Bank of Bloomsdale Mo.	2.63	3.08	142,927	33.62	37.86
103	Farmers State Bank of Adams Minn.	2.62	2.54	63,335	26.31	41.5
	FirstBank Antlers, Okla.	2.62	3.22	101,232	26.68	58.81
	Jefferson Bank Fayette, Miss.	2.62	0.35	37,642	35.46	69.64
106	First State Bank Burnet, Tex.	2.61	2.65	135,026	18.62	47.79
107	Central Bank of Missouri Sedalia	2.6	2.44	61,358	26.14	45.07
108	Bank of Perry County Lobelville, Tenn.	2.59	1.29	77,230	15.12	39.36
	Tensas State Bank Newellton, La.	2.59	1.24	75,446	18.96	65.54
110	First State Bank Scottsbluff, Neb.	2.58	2.58	191,205	29.77	47.08
	Northpointe Bank Grand Rapids, Mich.	2.58	2.92	252,706	29.42	48.68
	Gunnison Valley Bank Utah	2.58	2.69	51,365	22.33	44.28
	Bank of Buffalo Ky.	2.58	2.77	50,723	25.45	36.7
114	Western Bank St. Paul	2.57	2.46	351,257	27.06	55.59
	State Bank in Eden Valley Minn.	2.57	2.9	34,096	26.34	42.12
	Central State Bank State Center, Iowa	2.57	2.23	70,796	15.37	31.38
	Bank of Dade Trenton, Ga.	2.57	2.84	76,979	38.13	50.5
118	Falcon International Bank Laredo, Tex.	2.56	2.78	359,918	27.35	57.94
	Bank of Hemet Riverside, Calif.	2.56	1.4	357,411	29.41	48.57
	Decatur State Bank Ark.	2.56	2.18	167,672	20.52	47.5
	Peoples State Bank Madison Lake Minn.	2.56	0.99	24,997	20.33	54.05
	Coffee County Bank Manchester, Tenn.	2.56	2.54	77,428	28.37	46.72
123	Park Ridge Community Bank Ill.	2.55	2.14	180,591	26.72	36.72
	American National Bank Parma, Ohio	2.55	2.69	31,128	10.57	66.71
	Farmers State Bank Jesup, Iowa	2.55	1.2	101,370	27.02	46.98
126	Gary State Bank Minn.	2.54	2.55	10,899	18.74	60.07
	First State Bank of Colfax Iowa	2.54	2.52	56,004	25.55	33.33
	North Valley Bank Thornton, Colo.	2.54	2.3	106,661	33.37	60.14
129	Farmers and Merchants State Bank Plankinton, S.D.	2.53	2.2	57,572	22.83	43.29
130	Corner Stone Bank Stewartsville, Mo.	2.52	2.41	102,625	21.16	56.37
	State Bank New Prague, Minn.	2.52	2.65	98,564	32.6	48.9
	Farmers State Bank of Darwin Minn.	2.52	2.31	21,695	23.72	53.32
	Farmers Bank Ault, Colo.	2.52	1.32	86,655	20.86	43.48
134	First Arkansas Bank and Trust Jacksonville	2.51	2.9	268,116	16.22	54.9
	Quail Creek Bank Oklahoma City	2.51	2.48	273,870	25.92	46.94
	Citizens State Bank Oakland, Iowa	2.51	2.37	67,402	24.08	39.33
	Peoples Community Bank Greenville, Mo.	2.51	2.46	70,765	18.05	55.87
138	Farmers and Merchants Bank and Trust Co. Breaux Bridge, La.	2.5	2.71	183,218	26.53	41.12
	First Bank of Okarche Okla.	2.5	2.42	42,812	14.09	48.17
140	Stockmans Bank Elk Grove, Calif.	2.49	2.58	328,296	28.39	41.91
	New Era Bank Fredericktown, Mo.	2.49	2.21	225,101	19.29	40.62
142	Fidelity Bank Edina, Minn.	2.48	2.44	366,741	21.73	40.4
	Investorsbank Pewaukee, Wis.	2.48	1.8	236,635	27.87	32.55
	First Bank Roxton Texas	2.48	2.02	19,166	26.97	61.29
	Tama State Bank Marshalltown, Iowa	2.48	0.71	89,337	30.04	43.38
	Reliabank Dakota Estelline, S.D.	2.48	1.11	108,843	27.47	55.22
147	First Community Bank Savage, Minn.	2.47	2.58	97,133	28.92	41.41
148	Marseilles Bank Ill.	2.46	2.49	31,598	28.61	52.24
149	Commercial State Bank Donalsonville, Ga.	2.45	2.16	81,210	20.04	47.02
150	Bank of the West Thomas, Okla.	2.44	2.56	109,057	29.96	48.73
	Bank of the Southwest Roswell, N.M.	2.44	2.5	117,435	28	64.35

*Independent banks with less than $1 billion of assets or whose holding companies have less than $1 billion. Excludes industrial banks and those at which loans constitute less than half of assets and whose credit card loans exceed 25% of gross loans.