Community Banks with Highest Return on Assets

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Community Banks with Highest Return on Assets

Community Banks* with Highest Return on Assets
Full year 2005. Dollars in thousands
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