Community Banks with Highest Return on Assets
April 04, 2006, 10:08 a.m. EDT 1 Min Read
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Community Banks with Highest Return on Assets
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Published April 4, 2006 | ||||||
Related Table: 2005 Leaders in ROA Improvement and Efficiency | ||||||
Rank | Return on avg. assets | Assets | Return on avg. equity | Efficiency ratio | ||
2005 | 2004 | |||||
1 | Eastern Savings Bank Hunt Valley, Md. | 7.91% | 6.82% | $851,028 | 49.79% | 33.63% |
2 | CityBank Lynnwood, Wash. | 6.84 | 2.95 | 832,039 | 29.85 | 31.94 |
3 | Bryant State Bank S.D. | 5.52 | 6.01 | 18,184 | 33.19 | 61.14 |
4 | Philadelphia Trust Co. | 5.27 | 6.60 | 28,713 | 14.39 | 67.88 |
5 | First Credit Bank Los Angeles | 5.26 | 3.96 | 321,918 | 25.19 | 15.89 |
NexTier Bank Evans City, Pa. | 5.26 | 0.95 | 491,933 | 48.62 | 46.12 | |
7 | Peoples State Bank Cherryvale, Kan. | 5.10 | 4.77 | 17,109 | 24.70 | 36.08 |
8 | Community State Bank Milbank, S.D. | 5.09 | 8.86 | 98,826 | 22.62 | 57.55 |
9 | Broadway Bank Chicago | 4.83 | 4.79 | 749,920 | 43.56 | 14.61 |
10 | Miami Valley Bank Lakeview, Ohio | 4.82 | 3.24 | 153,124 | 44.30 | 29.22 |
11 | Union State Bank Kerrville, Tex. | 4.63 | 0.76 | 21,625 | 66.87 | 54.95 |
12 | Spring Valley Bank Wyoming, Ohio | 4.62 | 5.01 | 58,433 | 16.76 | 22.11 |
13 | State Bank of Texas Irving | 4.58 | 3.72 | 202,411 | 35.89 | 25.18 |
14 | NexBank, SSB Dallas | 4.54 | 1.09 | 135,492 | 18.49 | 39.76 |
15 | Liberty Savings Bank FSB Saint Cloud, Minn. | 4.44 | 1.69 | 126,884 | 36.45 | 55.87 |
16 | Pueblo Bank and Trust Co., Colo. | 4.35 | 3.74 | 353,688 | 43.08 | 47.95 |
17 | First Bank and Trust Co. of Illinois Palatine | 4.31 | 1.31 | 479,871 | 28.76 | 34.46 |
18 | Elysian Bank Minn. | 4.27 | 3.18 | 33,567 | 40.92 | 28.06 |
University Bank Ann Arbor, Mich. | 4.17 | -1.13 | 64,398 | 65.36 | 72.84 | |
20 | National Republic Bank of Chicago | 4.10 | 3.91 | 527,208 | 31.36 | 25.64 |
21 | International Bank of Chicago | 3.99 | 1.54 | 141,128 | 44.98 | 41.49 |
22 | Kentucky-Farmers Bank Ashland | 3.95 | 3.24 | 117,543 | 16.87 | 41.20 |
23 | First Bank of Delaware Wilmington | 3.80 | 6.06 | 82,176 | 20.64 | 49.39 |
24 | Vermillion State Bank Minn. | 3.61 | 3.28 | 329,739 | 33.16 | 26.30 |
25 | Jasper State Bank Minn. | 3.60 | 2.03 | 17,197 | 26.90 | 57.75 |
26 | TransCapital Bank Hallandale Beach, Fla. | 3.57 | 3.81 | 222,562 | 29.88 | 23.64 |
27 | American Alliance Bank Lake City, Minn. | 3.55 | 2.68 | 163,856 | 27.55 | 47.07 |
28 | Drummond Community Bank Chiefland, Fla. | 3.54 | 3.24 | 155,318 | 26.83 | 47.13 |
29 | Commerce Bank Geneva, Minn. | 3.52 | 3.24 | 117,975 | 31.84 | 30.38 |
30 | 1st Bank Sidney, Mont. | 3.51 | 2.05 | 54,127 | 26.79 | 51.13 |
31 | Custodial Trust Co. Princeton, N.J. | 3.47 | 2.06 | 757,163 | 10.78 | 31.27 |
32 | Yellowstone Bank Laurel, Mont. | 3.46 | 3.24 | 332,638 | 21.15 | 39.39 |
33 | Security Bank of Southwest Missouri Cassville | 3.44 | 3.39 | 61,921 | 37.70 | 43.85 |
34 | Peoples Savings Bank Elma, Iowa | 3.42 | 0.99 | 53,311 | 38.30 | 29.24 |
35 | First Western Federal Savings Bank Rapid City, S.D. | 3.36 | 2.99 | 25,095 | 20.41 | 48.09 |
36 | American Interstate Bank Elkhorn, Neb. | 3.34 | 2.90 | 95,055 | 37.76 | 22.45 |
37 | State Bank of McGregor Minn. | 3.30 | 3.66 | 47,966 | 38.23 | 40.46 |
Charter Bank Corpus Christi, Tex. | 3.30 | 3.33 | 119,457 | 55.79 | 53.08 | |
39 | Citizens State Bank of Clara City Minn. | 3.27 | 2.79 | 272,562 | 41.57 | 44.99 |
40 | Blue Ridge Savings Bank Inc. Asheville, N.C. | 3.24 | 3.11 | 255,445 | 33.34 | 33.46 |
Randall State Bank Minn. | 3.24 | 3.36 | 38,140 | 33.37 | 37.93 | |
42 | Plains Commerce Bank Hoven, S.D. | 3.21 | 2.94 | 259,124 | 21.46 | 47.08 |
Citizens State Bank Petersburg, Ind. | 3.21 | 1.07 | 117,367 | 35.57 | 34.27 | |
44 | Southern Horizon Bank Leary, Ga. | 3.20 | 3.46 | 19,777 | 31.96 | 71.30 |
45 | Senath State Bank Mo. | 3.19 | 2.69 | 46,936 | 21.28 | 46.07 |
46 | Ruby Valley National Bank Twin Bridges, Mont. | 3.18 | 3.03 | 60,267 | 28.47 | 49.38 |
47 | Merchants and Farmers Bank Comer, Ga. | 3.16 | 2.98 | 119,815 | 30.45 | 51.00 |
Deposit Bank of Carlisle Ky. | 3.16 | 3.05 | 62,106 | 14.16 | 35.53 | |
49 | Murphy Bank Fresno | 3.14 | 3.89 | 105,939 | 23.93 | 42.37 |
Union National Bank and Trust Co. of Elgin Ill. | 3.14 | 3.00 | 352,560 | 30.05 | 25.67 | |
51 | Farmers and Merchants Bank of Hill City Kan. | 3.13 | 0.85 | 34,499 | 29.05 | 49.22 |
52 | Farmers Bank Ault, Colo. | 3.11 | 2.53 | 111,787 | 26.28 | 36.60 |
Farmers State Bank Hosmer, S.D. | 3.11 | 1.89 | 13,457 | 13.44 | 50.53 | |
Corydon State Bank Iowa | 3.11 | 3.17 | 49,556 | 24.48 | 23.88 | |
Farmers and Merchants State Bank of Pierz, Minn. | 3.11 | 3.17 | 154,769 | 34.55 | 33.31 | |
56 | Security State Bank Littlefield, Tex. | 3.09 | 0.64 | 73,638 | 27.78 | 59.82 |
57 | Riverside Bank Sparkman, Ark. | 3.07 | 2.96 | 47,576 | 40.05 | 51.79 |
First Bank and Trust Co. Wagoner, Okla. | 3.07 | 2.82 | 157,898 | 34.20 | 42.02 | |
Prinsburg State Bank Minn. | 3.07 | 1.82 | 43,847 | 23.13 | 44.45 | |
60 | Peoples Community Bank Greenville, Mo. | 3.06 | 2.48 | 71,903 | 21.35 | 49.52 |
61 | Moorhead State Bank Iowa | 3.04 | 2.26 | 13,934 | 15.90 | 39.95 |
62 | Alliance Bank New Ulm, Minn. | 3.02 | 1.86 | 403,776 | 28.96 | 41.26 |
63 | Security Bank Pawnee, Okla. | 3.01 | 2.64 | 279,705 | 24.97 | 27.58 |
Citizens Bank Nashville, Ga. | 3.01 | 1.94 | 222,925 | 39.31 | 48.17 | |
First National Bank of Picayune Miss. | 3.01 | 3.05 | 219,464 | 38.30 | 46.27 | |
66 | Utah Community Bank Sandy | 2.99 | 2.15 | 49,994 | 20.11 | 40.83 |
First National Bank Fabens, Tex. | 2.99 | 2.31 | 205,768 | 35.55 | 42.41 | |
68 | Haverford Trust Co. Radnor, Pa. | 2.98 | 3.08 | 146,843 | 23.25 | 81.18 |
69 | Peoples National Bank of Colorado Colorado Springs | 2.97 | 1.59 | 221,773 | 32.17 | 56.88 |
70 | Cincinnatus Savings and Loan Co. | 2.96 | 2.32 | 84,615 | 12.92 | 77.37 |
71 | Beauregard Federal Savings Bank Deridder, La. | 2.95 | 3.20 | 49,294 | 15.47 | 46.98 |
72 | Farmers and Merchants Bank of Kendall Wis. | 2.95 | 2.78 | 38,745 | 36.09 | 46.42 |
Community Bank Missoula Mont. | 2.95 | 2.28 | 75,001 | 34.24 | 48.14 | |
74 | University National Bank of Lawrence Kan. | 2.94 | 3.17 | 94,414 | 25.66 | 48.90 |
Lakeside Bank Chicago | 2.94 | 2.68 | 707,160 | 27.61 | 40.20 | |
76 | State Bank of Lincoln Ill. | 2.93 | 2.79 | 179,948 | 21.07 | 49.62 |
77 | Key West Bank Fla. | 2.92 | 2.75 | 105,173 | 32.82 | 36.92 |
Peoples State Bank De Smet, S.D. | 2.92 | 2.85 | 55,227 | 17.88 | 40.94 | |
American National Bank Parma, Ohio | 2.92 | 2.58 | 33,246 | 11.76 | 70.74 | |
80 | Bank of the Southwest Roswell, N.M. | 2.91 | 2.44 | 125,979 | 33.22 | 61.61 |
81 | Citizens State Bank of Cheney Kan. | 2.89 | 2.93 | 38,043 | 22.71 | 47.09 |
82 | Farmers-Merchants Bank and Trust Co. Breaux Bridge, La. | 2.87 | 2.42 | 190,040 | 27.76 | 44.21 |
Bank of Alma Wis. | 2.87 | 2.83 | 171,105 | 10.90 | 14.79 | |
Sun Security Bank Ellington, Mo. | 2.87 | 2.16 | 396,844 | 23.25 | 45.65 | |
85 | Home State Bank Louisville, Neb. | 2.85 | 2.91 | 73,334 | 27.88 | 41.73 |
Pioneer Trust Bank Salem, Ore. | 2.85 | 2.72 | 236,968 | 21.80 | 34.09 | |
Stockmans Bank Elk Grove, Calif. | 2.85 | 2.50 | 359,969 | 29.11 | 37.16 | |
88 | Citizens State Bank Enderlin, N.D. | 2.84 | 2.10 | 64,736 | 18.09 | 36.37 |
89 | Fidelity Bank of Florida Merritt Island | 2.83 | 2.21 | 298,045 | 22.98 | 15.98 |
Lindell Bank and Trust Co. Saint Louis | 2.83 | 2.74 | 288,558 | 17.20 | 39.63 | |
Prior Lake State Bank Minn. | 2.83 | 2.41 | 161,833 | 26.83 | 44.57 | |
92 | Bank Oberlin, Kan. | 2.82 | 2.22 | 145,930 | 27.84 | 38.54 |
Five Star Bank Rocklin, Calif. | 2.82 | 2.34 | 252,056 | 24.54 | 35.20 | |
94 | First Security National Bank Norcross, Ga. | 2.81 | 2.23 | 129,054 | 22.58 | 54.53 |
95 | Priority Bank Ozark, Ark. | 2.80 | 4.48 | 39,104 | 33.85 | 67.99 |
96 | Produce State Bank Hollandale, Minn. | 2.79 | 1.33 | 29,186 | 20.93 | 50.45 |
97 | First Commerce Bank Corpus Christi | 2.78 | 2.77 | 121,352 | 22.63 | 63.81 |
98 | Prairie Sun Bank Milan, Minn. | 2.77 | 1.38 | 31,447 | 36.96 | 53.41 |
99 | Bank of Kaukauna Wis. | 2.76 | 1.47 | 72,962 | 24.01 | 44.37 |
Heritage Community Bank Glenwood, Ill. | 2.76 | 1.92 | 286,427 | 30.89 | 48.24 | |
101 | First National Bank of America East Lansing, Mich. | 2.75 | 2.78 | 309,055 | 17.82 | 53.15 |
102 | First Guaranty Bank Martin, Ky. | 2.73 | 2.21 | 57,707 | 22.77 | 38.48 |
MontroseBank Colo. | 2.73 | 2.85 | 137,042 | 31.77 | 53.45 | |
InvestorsBank Waukesha, Wis. | 2.73 | 2.51 | 300,023 | 32.57 | 27.83 | |
105 | Justin State Bank Tex. | 2.72 | 2.71 | 63,650 | 24.66 | 55.75 |
First Bank of Chandler Okla. | 2.72 | 2.82 | 61,083 | 27.20 | 46.18 | |
1st Bank and Trust Broken Bow, Okla. | 2.72 | 2.39 | 88,731 | 28.62 | 51.71 | |
First State Bank Scottsbluff, Neb. | 2.72 | 2.55 | 203,434 | 32.07 | 44.76 | |
Bank of Hemet Riverside, Calif. | 2.72 | 2.41 | 360,422 | 32.07 | 45.59 | |
110 | FirstBank Antlers, Okla. | 2.70 | 2.64 | 114,204 | 28.07 | 61.98 |
State Bank of Wheaton Minn. | 2.70 | 2.23 | 60,138 | 12.51 | 45.67 | |
First Bank, Upper Michigan Gladstone | 2.70 | 2.97 | 157,640 | 24.01 | 48.32 | |
113 | First Bank of Okarche Okla. | 2.69 | 2.51 | 42,497 | 15.02 | 47.72 |
Bank of Dade Trenton, Ga. | 2.69 | 2.55 | 75,890 | 41.83 | 49.09 | |
Douglas County Bank Douglasville, Ga. | 2.69 | 3.07 | 345,045 | 33.52 | 42.10 | |
116 | Central State Bank State Center, Iowa | 2.68 | 2.55 | 78,102 | 16.36 | 33.91 |
First State Bank of Beecher City Ill. | 2.68 | 2.38 | 38,065 | 15.66 | 50.68 | |
Mason National Bank Tex. | 2.68 | 2.23 | 69,791 | 20.02 | 43.99 | |
First National Bank Layton, Utah | 2.68 | 1.98 | 276,358 | 25.75 | 51.54 | |
120 | Security State Bank of Aitkin Minn. | 2.67 | 3.08 | 92,944 | 24.57 | 47.31 |
Chambers Bank Danville, Ark. | 2.67 | 2.65 | 472,329 | 20.86 | 45.53 | |
122 | Pinnacle Bank Elberton, Ga. | 2.66 | 2.41 | 389,606 | 21.35 | 48.01 |
Lakes State Bank Pequot Lakes, Minn. | 2.66 | 2.62 | 80,321 | 24.38 | 54.59 | |
Sterling Bank Lantana, Fla. | 2.66 | 1.97 | 317,421 | 33.06 | 45.55 | |
125 | Mercantile Bank of Louisiana, Missouri | 2.65 | 2.65 | 113,315 | 11.64 | 39.50 |
Bank Northwest Hamilton, Mo. | 2.65 | 2.71 | 73,125 | 36.47 | 45.46 | |
Drayton State Bank N.D. | 2.65 | 2.06 | 39,352 | 23.83 | 42.57 | |
Bank/First Citizens Bank Cleveland, Tenn. | 2.65 | 2.31 | 492,641 | 34.38 | 46.60 | |
129 | Bank of Baker Mont. | 2.64 | 1.96 | 61,835 | 30.58 | 40.32 |
Community South Bank Parsons, Tenn. | 2.64 | 1.36 | 311,101 | 25.61 | 66.59 | |
131 | Bank of Perry County Lobelville, Tenn. | 2.63 | 2.60 | 84,384 | 15.95 | 44.45 |
Texas Bank Brownwood | 2.63 | 2.33 | 169,573 | 25.10 | 58.31 | |
Pan American Bank Chicago | 2.63 | 3.07 | 33,128 | 19.74 | 67.18 | |
134 | State Bank of Delano Minn. | 2.62 | 2.79 | 119,645 | 24.46 | 49.06 |
Continental Bank Salt Lake City | 2.62 | -2.08 | 62,232 | 16.01 | 35.01 | |
136 | Preston National Bank of Dallas | 2.61 | 2.06 | 51,558 | 22.83 | 63.10 |
Security Pacific Bank Los Angeles | 2.61 | 1.84 | 536,396 | 24.92 | 43.47 | |
Bank of Mauston Wis. | 2.61 | 2.84 | 189,598 | 25.77 | 50.19 | |
139 | Bank of Commerce Chouteau, Okla. | 2.60 | 2.32 | 33,720 | 27.65 | 58.26 |
Citizens National Bank at Brownwood Tex. | 2.60 | 2.12 | 145,117 | 22.57 | 47.16 | |
141 | Home Federal Bank of Hollywood Hallandale Beach, Fla. | 2.59 | 2.30 | 109,169 | 30.23 | 45.87 |
First Bank of Owasso Okla. | 2.59 | 2.02 | 181,147 | 33.03 | 49.26 | |
Bank of Buffalo Ky. | 2.59 | 2.55 | 53,203 | 27.03 | 34.22 | |
North Valley Bank Thornton, Colo. | 2.59 | 2.51 | 113,610 | 34.24 | 58.90 | |
National Bank of Andrews Tex. | 2.59 | 1.71 | 78,121 | 29.96 | 59.21 | |
First National Bank in Graham Tex. | 2.59 | 2.36 | 153,408 | 28.15 | 52.76 | |
First National Bank Heavener, Okla. | 2.59 | 2.37 | 78,949 | 35.42 | 43.44 | |
148 | Gunnison Valley Bank Utah | 2.58 | 2.56 | 52,720 | 21.16 | 40.23 |
Nebraska State Bank Oshkosh | 2.58 | 2.05 | 33,388 | 28.87 | 58.21 | |
Bank of Washington Mo. | 2.58 | 1.70 | 517,564 | 17.09 | 46.24 |
*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.
Source: SNL Financial, Charlottesville, Va. (www.snl.com)
© 2006 American Banker