Community Banks with Highest Return on Average Assets

January 06, 2010, 3:04 p.m. EST 1 Min Read

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Community Banks with Highest Returns on Average AssetsOn Sept. 30, 2009. Dollars in thousands Published January 7, 2009
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		3Q '09	3Q '08	Assets	Return on avg. equity	Efficiency ratio
1	Central Bank and Trust Lander, Wyo.	26.06%	2.04%	$145,924	274.26%	10.38%
2	State Bank of Texas Dallas	18.42	4.24	655,935	143.08	5.10
3	First National Bank of Beardstown Ill.	7.65	2.15	85,034	56.15	32.08
4	Harvard State Bank Ill.	6.45	0.84	250,649	72.11	29.71
5	First Security Trust and Savings Bank Elmwood Park, Ill.	6.14	1.25	226,831	76.14	163.67
6	First State Bank of Burlingame Kan.	5.86	-7.39	37,429	234.47	39.96
7	First Valley Bank Seeley Lake, Mont.	5.72	1.76	53,154	66.32	27.73
8	Continental Bank Salt Lake City	5.17	1.02	114,017	53.26	24.68
9	United Bank Barnesville, Ga.	4.82	1.91	929,677	50.31	32.61
10	Old Exchange National Bank of Okawville Ill.	4.58	1.24	48,098	45.58	89.79
11	Bank of Prague Neb.	4.32	2.53	17,874	22.88	32.07
12	Benchmark Bank Plano, Texas	4.12	1.33	323,847	47.91	57.78
13	Security State Bank Ansley, Neb.	3.90	1.78	72,725	47.85	43.78
14	Crown Bank Brick, N.J.	3.85	1.32	555,825	33.22	38.73
15	Spring Valley Bank Wyoming, Ohio	3.78	2.99	65,589	10.58	39.81
16	First National Bank Rosedale, Miss.	3.76	3.34	86,033	31.34	33.59
17	New Century Bank Belleville, Kan.	3.59	1.26	20,719	34.90	65.09
18	Abbeville Building and Loan La.	3.58	0.01	33,812	12.90	52.36
19	Farmers and Merchants Bank of Kendall Wis.	3.56	3.46	56,914	35.16	33.52
20	Peoples Bank Lawrence, Kan.	3.40	1.09	337,810	47.03	96.39
21	First State Bank Camargo, Okla.	3.39	1.78	36,784	39.97	39.02
22	Peoples State Bank Cherryvale, Kan.	3.38	5.39	16,192	12.29	40.34
23	Commercial State Bank of Wagner S.D.	3.35	1.83	116,054	33.01	37.33
24	Almena State Bank Kan.	3.33	3.78	18,758	50.00	59.72
	Bank of Buffalo Ky.	3.33	1.76	61,845	35.88	31.97
26	Citizens Bank and Trust Co. of Chicago	3.24	2.68	80,641	63.05	53.63
	University National Bank St. Paul	3.24	2.74	133,987	26.48	43.21
28	First Credit Bank Los Angeles	3.13	4.25	502,378	15.49	8.86
29	First State Bank Minnesota Le Roy	3.10	1.32	58,078	34.78	39.00
	Marlin Business Bank Salt Lake City	3.10	5.10	104,313	20.89	42.31
31	Clarion County Community Bank Clarion, Pa.	3.09	0.43	93,821	29.49	72.99
32	PrinsBank Prinsburg, Minn.	3.07	4.57	54,319	24.52	58.91
33	Charter Bank Corpus Christi	2.99	2.64	151,477	42.16	43.00
34	Bank of Baker Mont.	2.97	3.74	97,561	33.35	33.40
35	Texas Bank Brownwood	2.94	2.97	287,557	32.02	50.58
	Bank of the Wichitas Snyder, Okla.	2.94	1.37	124,026	30.26	52.67
37	Clinton State Bank Minn.	2.92	2.98	60,724	21.85	33.00
38	State Bank of New Richland Minn.	2.90	2.03	86,788	37.33	43.44
	First FarmBank Greeley, Colo.	2.90	-0.63	57,697	27.44	69.51
40	State Bank of Paw Paw Ill.	2.86	1.77	49,382	25.69	68.51
	Peoples Community Bank Greenville, Mo.	2.86	3.58	87,330	15.98	49.00
42	Senath State Bank Mo.	2.85	3.29	53,018	18.13	50.07
43	Welcome State Bank Welcome, Minn.	2.84	2.63	20,381	26.36	46.92
	California First National Bank Irvine	2.84	0.92	348,687	14.60	27.96
45	Live Oak Banking Co. Wilmington, N.C.	2.82	-2.98	117,443	29.93	60.83
46	Bank of Lindsay Neb.	2.81	0.61	30,126	28.94	45.54
	Farmers Trust and Savings Bank Williamsburg, Iowa	2.81	3.16	104,072	14.29	39.16
48	Lindell Bank and Trust Co. St. Louis	2.80	2.74	363,427	15.08	43.05
49	First State Bank of Porter Okla.	2.76	1.73	33,894	20.60	62.54
50	Davison State Bank Mich.	2.75	0.72	41,306	41.27	87.40
	St. Martin National Bank Minn.	2.75	2.44	16,433	19.29	52.72
52	Washington State Bank Washington, La.	2.72	1.73	127,031	25.14	48.05
53	Bank of Dade Trenton, Ga.	2.70	2.64	91,842	38.39	49.12
54	Bank of Star City Ark.	2.69	1.88	88,484	20.79	47.52
55	Citizens State Bank of Choteau Mont.	2.68	2.47	71,272	14.13	40.39
56	Central Bank Stillwater, Minn.	2.67	1.66	768,950	33.69	36.32
	Volunteer State Bank Portland, Tenn.	2.67	1.90	314,875	31.48	69.33
	Frontier Bank Davenport, Neb.	2.67	2.39	21,896	24.72	51.46
59	American State Bank of Grygla Minn.	2.63	2.72	22,909	25.93	55.71
	Peoples State Bank Blair, Okla.	2.63	2.50	14,555	23.82	62.06
	Mason National Bank Texas	2.63	3.24	89,334	16.26	44.25
62	First State Bank Valliant, Okla.	2.62	2.05	58,660	26.63	52.71
63	Wilburton State Bank Okla.	2.60	2.59	59,196	33.23	55.58
64	First National Bank Fabens, Texas	2.58	2.19	283,918	35.80	45.05
	Quail Creek Bank Oklahoma City	2.58	2.57	435,456	29.95	43.15
66	Citizens National Bank of Texas Waxahachie	2.57	0.07	495,688	26.07	67.90
67	First National Bank of Picayune Miss.	2.56	3.01	203,760	24.44	45.28
68	Washington Business Bank Olympia	2.55	0.12	70,605	26.23	94.27
	Wyoming Bank and Trust Cheyenne	2.55	1.87	96,410	22.88	76.47
70	First National Bank of Burleson Texas	2.53	2.39	161,764	27.50	51.47
	First American Bank Stonewall, Okla.	2.53	2.42	21,945	23.97	57.07
72	Bank of Union El Reno, Okla.	2.52	2.49	294,474	29.49	35.91
	Landmands Bank Audubon, Iowa	2.52	2.10	62,487	25.75	38.09
	Elysian Bank Minn.	2.52	2.65	36,106	24.26	42.25
75	First State Bank Louise, Texas	2.51	1.59	219,758	29.03	57.53
	Citizens State Bank Grainfield, Kan.	2.51	1.68	8,905	27.32	52.07
77	Texas Savings Bank Snyder	2.50	1.62	122,970	33.91	47.49
	D’Hanis State Bank Hondo, Texas	2.50	0.86	52,459	18.80	75.85
79	Union Bank and Trust Co. Livingston, Tenn.	2.49	2.10	78,082	23.23	44.70
	Peoples State Bank and Trust Baxley, Ga.	2.49	1.67	76,741	19.59	60.36
81	Heritage State Bank Lawrenceville, Ill.	2.48	4.80	89,477	31.07	48.97
	First Bank Upper Michigan Gladstone	2.48	2.59	167,162	16.88	50.50
83	Welch State Bank Okla.	2.47	2.58	199,576	30.77	47.74
84	First National Bank of Crossett Ark.	2.46	1.34	160,008	24.52	60.86
85	Payne County Bank Perkins, Okla.	2.45	2.53	105,837	14.13	43.90
86	MontroseBank Colo.	2.44	2.33	202,904	24.90	54.33
	Kress National Bank Texas	2.44	2.52	34,772	21.55	53.00
	Security Bank and Trust Co. Maysville, Ky.	2.44	2.35	46,702	10.99	45.05
89	Adrian Bank Mo.	2.43	1.85	102,369	28.50	47.52
	Community Bank of El Dorado Springs Mo.	2.43	2.49	86,732	21.05	29.68
91	First National Bank of Albany Texas	2.42	2.79	325,028	24.75	40.53
92	Farmers and Merchants State Bank Plankinton, S.D.	2.41	2.65	70,158	25.17	45.70
	First National Bank of Hughes Springs Texas	2.41	2.67	169,659	22.68	52.73
	Peoples Community State Bank Doniphan, Mo.	2.41	2.84	122,748	19.89	50.97
95	Homestead Bank Cozad, Neb.	2.40	2.31	110,245	17.33	55.15
	Pioneer Trust Bank Salem, Ore.	2.40	2.19	270,742	16.87	34.80
	Union State Bank Rockwell City, Iowa	2.40	2.40	36,750	16.68	44.23
98	Farmers Exchange Bank Cherokee, Okla.	2.39	1.36	107,527	23.92	59.76
	St. Martin Bank and Trust Co. St. Martinville, La.	2.39	1.95	299,321	19.70	57.26
100	Citizens Bank of Las Cruces N.M.	2.38	2.44	367,032	27.23	57.83
	Main Street Bank Kingwood, Texas	2.38	0.77	427,226	22.96	37.31
	Security State Bank Cheyenne, Okla.	2.38	1.02	110,829	20.34	39.95
	Pelham Banking Co. Ga.	2.38	2.62	59,816	15.48	54.90
104	First State Bank Armour, S.D.	2.37	3.58	80,299	27.22	57.25
	Palmyra State Bank Mo.	2.37	1.41	124,112	23.76	57.30
	First State Bank Huntsville, Texas	2.37	2.15	140,880	22.79	44.60
	Bank of Rothville Mo.	2.37	1.37	42,782	18.26	64.30
108	Town and Country Bank of Quincy Ill.	2.36	1.97	113,119	23.07	45.84
109	Oklahoma State Bank Buffalo	2.35	2.01	39,348	28.52	60.03
	1st Bank and Trust Broken Bow, Okla.	2.35	2.80	107,627	19.64	53.10
	First National Bank of Bemidji Minn.	2.35	1.33	514,009	19.30	41.96
112	Farmers and Merchants State Bank of Clarkfield Minn.	2.34	1.67	37,239	24.85	63.64
	Pioneer Bank and Trust Belle Fourche, S.D.	2.34	2.03	367,454	22.15	47.67
	First National Bank Izard County Calico Rock, Ark.	2.34	2.26	137,911	8.36	42.70
115	Farmers and Merchants State Bank of Blooming Prairie Minn.	2.33	2.80	65,063	27.53	54.82
	Westside State Bank Iowa	2.33	1.82	58,938	24.36	42.71
	Farmers State Bank of Adams Minn.	2.33	2.60	71,932	19.11	41.91
118	Covenant Bank Chicago	2.32	-4.17	72,248	28.38	62.04
119	Union State Bank of Everest Kan.	2.31	1.68	157,894	30.03	55.04
	Union Bank of Mena Ark.	2.31	2.09	159,030	27.23	62.17
	Alamosa State Bank Colo.	2.31	3.06	153,010	24.39	47.10
	Paducah Bank and Trust Co. Ky.	2.31	2.07	493,615	24.35	56.06
	First Whitney Bank and Trust Atlantic, Iowa	2.31	2.77	135,301	22.01	34.85
124	Delta Bank Vidalia, La.	2.29	2.28	186,828	29.06	57.37
	Bank of Las Vegas N.M.	2.29	1.91	186,254	28.79	51.27
	State Exchange Bank Lamont, Okla.	2.29	1.51	62,301	26.34	30.87
	First Bank of Berne Ind.	2.29	2.01	395,026	24.37	44.58
	Shelby Savings Bank SSB Center, Texas	2.29	1.90	217,665	23.70	54.15
	Stock Growers Bank Napoleon, N.D.	2.29	3.61	45,930	19.53	43.53
130	Farmers National Bank of Griggsville Ill.	2.28	1.37	46,605	26.02	57.10
	Central National Bank of Poteau Okla.	2.28	2.44	184,308	23.78	54.18
	Western Commerce Bank Carlsbad, N.M.	2.28	2.44	311,816	23.22	55.00
	Farmers State Bank Hosmer, S.D.	2.28	2.86	16,693	14.27	57.74
134	Oak Creek Valley Bank Valparaiso, Neb.	2.27	0.78	55,933	22.04	36.52
	City Savings Bank and Trust Co. De Ridder, La.	2.27	2.68	173,133	19.22	60.64
136	First Community Bank San Benito, Texas	2.26	1.43	189,440	29.86	72.18
	State Bank of Hawley Minn.	2.26	1.49	79,886	26.33	58.50
	Sargent County Bank Forman, N.D.	2.26	1.80	75,109	16.26	40.37
	Bank of Advance Mo.	2.26	2.40	227,908	14.47	50.58
140	FirstBank Antlers, Okla.	2.25	2.31	188,197	25.29	59.70
	State Bank of Wynnewood Okla.	2.25	2.00	63,390	18.73	53.48
	Bank of Grandin Mo.	2.25	2.21	134,249	15.84	40.53
	Haverford Trust Co. Radnor, Pa.	2.25	0.06	107,616	15.57	85.27
144	Lone Star State Bank Texas	2.24	2.32	41,898	32.10	41.13
	Citizens State Bank of Waverly Minn.	2.24	2.08	54,583	25.51	54.84
	Peoples Bank Paris, Texas	2.24	2.13	114,185	25.29	66.43
	Peoples Bank Mendenhall, Miss.	2.24	2.14	192,048	23.98	57.42
	Citizens National Bank of Wills Point Texas	2.24	2.00	80,395	19.49	52.64
	Union Bank Jellico, Tenn.	2.24	2.02	60,667	19.03	54.84
	Waggoner National Bank of Vernon Texas	2.24	2.18	232,900	16.41	48.10
151	Brush Country Bank Freer, Texas	2.23	2.08	35,684	23.85	55.28
	Lamar Bank and Trust Co. Mo.	2.23	2.64	110,697	23.05	54.23
	Security State Bank Sutherland, Iowa	2.23	1.68	68,788	22.67	47.50
	First Bank of Chandler Okla.	2.23	2.70	67,148	22.57	49.15
	First State Bank of Healy Kan.	2.23	-0.44	61,036	12.09	41.45
	Adams State Bank Neb.	2.23	1.94	35,427	11.75	53.14
157	Sterling Bank Poplar Bluff, Mo.	2.22	0.83	168,258	20.78	55.25
	Farmers State Bank of Denton, Mont.	2.22	2.42	18,341	19.20	51.70
	Alton Bank Mo.	2.22	1.71	47,917	12.29	48.97
160	Southwest National Bank Wichita	2.21	2.30	345,129	24.57	53.65
	Maynard Savings Bank Iowa	2.21	2.19	46,126	16.91	40.55
	Bank of Rison Ark.	2.21	2.69	28,498	11.55	51.91
163	Wells Bank of Platte City Mo.	2.20	2.17	73,183	28.37	54.33
	South Lafourche Bank and Trust Co. Larose, La.	2.20	2.43	144,419	25.95	54.16
	Drummond Community Bank Chiefland, Fla.	2.20	2.62	184,836	14.22	53.11
166	Citizens State Bank of Clayton Wis.	2.19	1.53	75,000	29.68	54.20
	First Bank and Trust Co. Wagoner, Okla.	2.19	2.43	207,804	25.22	46.33
	Security Bank and Trust Co. Paris, Tenn.	2.19	2.48	164,842	23.59	46.57
	Basile State Bank La.	2.19	2.10	48,219	23.39	64.91
	First State Bank Abernathy, Texas	2.19	1.22	23,223	23.13	67.38
	First National Bank in Marlow Okla.	2.19	2.05	65,199	20.39	59.20
	Heartland Bank Somers, Iowa	2.19	1.93	87,711	16.48	54.87
	Utah Independent Bank Salina	2.19	1.32	56,367	16.07	60.68
174	Premier Bank Rock Valley, Iowa	2.18	2.10	187,457	21.74	36.83
	First Commerce Bank Marysville, Kan.	2.18	2.04	40,303	17.02	48.62
	Corydon State Bank Iowa	2.18	3.30	66,240	13.52	22.70
	Alva State Bank and Trust Co. Okla.	2.18	0.72	176,682	12.67	47.34
178	Viking State Bank and Trust Decorah, Iowa	2.17	2.06	97,578	22.54	45.27
	State Bank of Easton Minn.	2.17	1.13	17,680	15.21	60.40
	State Bank of St. Jacob Ill.	2.17	1.96	46,428	14.51	47.23
181	Farmers and Merchants State Bank of Cawker City Kan.	2.16	1.93	14,799	26.08	51.22
	Grand Marais State Bank Minn.	2.16	2.39	64,857	24.63	57.33
	First National Bank of Osakis Minn.	2.16	1.44	57,068	16.41	49.85
	Great American Bank De Soto, Kan.	2.16	-1.29	52,507	10.79	44.55
185	First State Bank of Golva N.D.	2.15	1.92	51,748	24.70	41.42
	First National Bank of Las Animas Colo.	2.15	1.88	238,571	24.53	46.53
	State Bank of Delphos Kan.	2.15	2.77	36,586	23.93	56.89
	Farmers State Bank Allen, Okla.	2.15	2.17	37,647	21.35	56.67
	Clarkson Bank Neb.	2.15	2.23	47,143	17.93	47.08
190	Community Bank Longview, Texas	2.14	2.62	120,008	33.29	59.18
	First National Bank Arcadia, La.	2.14	2.47	184,899	27.54	63.97
	Mainland Bank Texas City	2.14	2.39	94,302	25.31	60.53
	First National Bank of Oneida Tenn.	2.14	2.01	202,477	21.47	49.43
	Crockett National Bank San Angelo, Texas	2.14	2.74	270,623	18.97	57.79
195	Palo Savings Bank Iowa	2.13	1.56	31,931	18.27	46.94
196	United Community Bank Leeds, N.D.	2.12	1.89	191,799	28.33	46.03
	West Central Bank Ashland, Ill.	2.12	1.38	65,692	15.49	62.53
	First National Bank Fort Pierre, S.D.	2.12	2.71	617,526	11.26	34.41
199	Scribner Bank Neb.	2.11	2.67	58,691	18.48	71.33
	Denison State Bank Holton, Kan.	2.11	1.83	241,345	17.25	49.08

Note: List includes 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. Thrifts are also excluded. List includes independent banks and thrifts that were operating as of December 11, 2009. Figures for prior periods are not adjusted for mergers and acquisitions.

Source:

SNL Financial