Community Banks with Highest Return on Average Assets
March 31, 2004, 10:08 a.m. EST 1 Min Read
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Community Banks with Highest Return on Average Assets
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Published March 31, 2004 | ||||||
Rank | Return on avg. assets | Assets | Return on avg. equity | Efficiency ratio | ||
4Q '03 | 4Q '02 | |||||
1 | Horizon National Bank Leawood, Kan. | 7.36 | 5.31 | 206,104 | 48.48 | 75.09 |
2 | Peoples National Bank Paris, Tex. | 5.84 | 4.68 | 95,972 | 43.56 | 67.97 |
3 | Broadway Bank Chicago | 4.82 | 4.71 | 530,068 | 48.45 | 18.8 |
Spring Valley Bank Wyoming, Ohio | 4.82 | 4.35 | 48,879 | 22.67 | 22.69 | |
5 | Community State Bank Milbank, S.D. | 4.8 | 1.13 | 57,452 | 42.46 | 44.93 |
6 | Southern Horizon Bank Leary, Ga. | 4.64 | -1.27 | 15,049 | 43.63 | 72.19 |
7 | First Bank of Delaware Brandywine | 4.51 | 1.86 | 44,537 | 32.51 | 51.28 |
8 | Murphy Bank Fresno | 4.25 | 3.86 | 92,576 | 36.56 | 38.55 |
9 | Golf Savings Bank Mountlake Terrace, Wash. | 4.18 | 3.17 | 168,443 | 31.28 | 71.8 |
10 | University National Bank of Lawrence Kan. | 4.15 | 3.43 | 81,149 | 36.21 | 44.22 |
11 | Crescent Bank and Trust Co. New Orleans | 4.11 | 3.43 | 296,987 | 31.5 | 49.45 |
12 | National Republic Bank of Chicago | 4.1 | 3.04 | 458,327 | 48.28 | 23.87 |
13 | Pueblo Bank and Trust Co. Colo. | 3.81 | 3.5 | 349,547 | 44.86 | 51.17 |
14 | Transcapital Bank Hallandale, Fla. | 3.66 | 2.09 | 108,499 | 30.78 | 27.67 |
15 | State Bank of Lincoln Ill. | 3.62 | 3.07 | 172,754 | 26.03 | 48.89 |
16 | Brighton Bank Salt Lake City | 3.61 | 3.6 | 154,434 | 36.86 | 44.68 |
17 | Phoenix Savings Bank Lynnwood, Wash. | 3.56 | 4.57 | 83,199 | 28.1 | 77.06 |
18 | First Credit Bank Los Angeles | 3.42 | 2.38 | 376,190 | 22.84 | 24.15 |
19 | Charter Bank Corpus Christi, Tex. | 3.36 | 3.11 | 118,570 | 47.48 | 51.91 |
20 | State Bank of McGregor Minn. | 3.32 | 3.27 | 41,972 | 35.64 | 38.59 |
Vermillion State Bank Minn. | 3.32 | 3.42 | 283,675 | 32.63 | 30.96 | |
22 | Security Bank of Southwest Missouri Cassville | 3.27 | 4.02 | 52,962 | 31.15 | 46.85 |
23 | Corydon State Bank Iowa | 3.26 | 3.08 | 43,318 | 29.23 | 22.64 |
24 | First Bank Upper Michigan Gladstone | 3.24 | 3.25 | 140,926 | 31.49 | 44.04 |
State Bank Texas Irving | 3.24 | 1.03 | 155,349 | 37.76 | 38.61 | |
26 | Farmers and Merchants State Bank Pierz, Minn. | 3.22 | 2.99 | 149,506 | 35.08 | 31.39 |
Randall State Bank Minn. | 3.22 | 2.95 | 29,827 | 32.46 | 34.43 | |
FirstBank Antlers, Okla. | 3.22 | 2.75 | 113,537 | 34.13 | 54.21 | |
29 | Elysian Bank Minn. | 3.19 | 2.66 | 34,038 | 30.69 | 34.97 |
30 | State Bank of Wiley Colo. | 3.15 | 2.87 | 67,553 | 11.03 | 28.55 |
Profinium Financial Truman, Minn. | 3.15 | 1.27 | 192,512 | 29.55 | 59.08 | |
32 | Yellowstone Bank Laurel, Mont. | 3.12 | 2.94 | 285,029 | 19.19 | 44.13 |
33 | Bank of Bloomsdale Mo. | 3.08 | 2.89 | 136,767 | 37.73 | 34.49 |
American National Bank of Rock Springs Wyo. | 3.08 | 3.33 | 49,557 | 23 | 48.58 | |
35 | First National Bank of Picayune Miss. | 3.06 | 3.02 | 147,966 | 36.28 | 50.28 |
Bank of Alma Wis. | 3.06 | 2.94 | 137,471 | 12.83 | 14.85 | |
37 | Peak National Bank Nederland, Colo. | 3.03 | 2.76 | 197,812 | 38.41 | 52.12 |
38 | City Bank Lynnwood, Wash. | 3.01 | 3.21 | 618,517 | 12.84 | 54.26 |
Douglas County Bank Douglasville, Ga. | 3.01 | 2.64 | 214,691 | 32.52 | 46.02 | |
40 | Ruby Valley National Bank Twin Bridges, Mont. | 3 | 2.66 | 51,182 | 28.74 | 48.8 |
Lakeside Bank Chicago | 3 | 2.98 | 522,088 | 29.62 | 44.3 | |
Bank of Mauston Wis. | 3 | 1.33 | 164,046 | 29.95 | 46.75 | |
43 | First National Bank of Hudson Woodbury, Minn. | 2.99 | 2.92 | 337,845 | 32.29 | 53.5 |
44 | American Interstate Bank Manning, Iowa | 2.98 | 1.69 | 31,543 | 33.23 | 34.94 |
First National Bank Bedford, Tex. | 2.98 | 0.7 | 50,501 | 38.15 | 57.87 | |
46 | State Bank of Countryside Ill. | 2.97 | 2.9 | 754,543 | 29.39 | 31.35 |
47 | First Bank and Trust Co. Wagoner, Okla. | 2.96 | 2.71 | 123,954 | 29.28 | 45.81 |
48 | Solon State Bank Iowa | 2.95 | 2.38 | 66,745 | 17.88 | 38.54 |
49 | Lakes State Bank Pequot Lakes, Minn. | 2.93 | 2.78 | 70,995 | 26.11 | 50.36 |
50 | Farmers and Merchants Bank Dublin, Ga. | 2.92 | 3.02 | 394,140 | 16.47 | 35.43 |
Northpointe Bank Grand Rapids, Mich. | 2.92 | 1.85 | 182,936 | 29.75 | 51.15 | |
Countybank Greenwood, S.C. | 2.92 | 2.02 | 194,070 | 26.22 | 55.44 | |
53 | State Bank in Eden Valley Minn. | 2.9 | 1.97 | 34,941 | 27.52 | 38.37 |
First Arkansas Bank and Trust Jacksonville | 2.9 | 2.61 | 261,624 | 19.88 | 52.36 | |
55 | Bank Northwest Hamilton, Mo. | 2.89 | 2.82 | 60,141 | 37.86 | 44.76 |
56 | Montrosebank Colo. | 2.87 | 2.84 | 98,723 | 34.23 | 53.41 |
Community National Bank North Branch, Minn. | 2.87 | 2.42 | 107,446 | 28.33 | 51.95 | |
Jackson State Bank and Trust Wyo. | 2.87 | 2.82 | 562,234 | 36.63 | 40.22 | |
59 | Commerce Bank Geneva, Minn. | 2.86 | 2.93 | 80,307 | 31.54 | 37.09 |
60 | Bank of Dade Trenton, Ga. | 2.84 | 2.97 | 82,080 | 37.43 | 47.25 |
61 | Arkansas National Bank Bentonville | 2.83 | 2 | 497,745 | 32.61 | 47.45 |
First National Bank of Sarcoxie Mo. | 2.83 | 2.76 | 25,362 | 26.78 | 49.27 | |
63 | Iowa State Bank Des Moines | 2.82 | 2.83 | 229,666 | 26.85 | 48.32 |
64 | First National Bank Rotan, Tex. | 2.8 | 2.56 | 37,718 | 22.99 | 54.54 |
65 | Merchants and Farmers Bank Comer, Ga. | 2.79 | 2.76 | 120,627 | 19.35 | 53.08 |
Byron Bank Ill. | 2.79 | 2.79 | 122,702 | 29.64 | 45.76 | |
67 | Falcon International Bank Laredo, Tex. | 2.78 | 3.3 | 319,658 | 32.42 | 54.95 |
68 | Bank of Buffalo Ky. | 2.77 | 2.84 | 48,446 | 25.81 | 35.42 |
Citizens State Bank Hudson, Wis. | 2.77 | 2.07 | 123,657 | 30.33 | 53.92 | |
70 | Drummond Community Bank Chiefland, Fla. | 2.76 | 1.86 | 129,321 | 24.52 | 52.24 |
Security State Bank Aitkin, Minn. | 2.76 | 2.74 | 90,407 | 23.31 | 46.04 | |
Heartland Bank and Trust Co. Bloomington, Ill. | 2.76 | 2.41 | 707,340 | 28.98 | 48.33 | |
73 | Great Plains Bank Eureka, S.D. | 2.75 | 2.83 | 40,045 | 21.74 | 45.68 |
74 | Citizens State Bank of Cheney Kan. | 2.73 | 2.73 | 36,796 | 22.41 | 47.63 |
Community State Bank Union Grove, Wis. | 2.73 | 2.34 | 214,910 | 27.49 | 55.12 | |
76 | Farmers and Merchants Bank Kendall, Wis. | 2.71 | 2.03 | 30,981 | 31.66 | 47.26 |
77 | Elizabeth State Bank Ill. | 2.7 | 2.03 | 75,075 | 33.37 | 43.77 |
First State Bank Forrest, Ill. | 2.7 | 2.65 | 48,883 | 28.88 | 36.76 | |
79 | County Bank Rehoboth Beach, Del. | 2.69 | 2.47 | 256,132 | 32.1 | 46.9 |
Central Bank of Kansas City Mo. | 2.69 | 2.29 | 121,858 | 21.25 | 58.94 | |
American National Bank Parma, Ohio | 2.69 | 0.34 | 32,057 | 12.14 | 65.12 | |
Gunnison Valley Bank Utah | 2.69 | 2.46 | 47,460 | 23.8 | 41.58 | |
Citizens Bank Elizabethton, Tenn. | 2.69 | 2.46 | 549,555 | 24.54 | 46.36 | |
84 | First Bank Kansas Salina | 2.68 | 1.19 | 127,658 | 28.28 | 57.29 |
85 | First Coleman National Bank Tex. | 2.66 | 3.31 | 55,600 | 26.39 | 45.61 |
86 | Peoples Bank of Greensboro Ala. | 2.65 | 2.12 | 66,368 | 20.24 | 55.59 |
Peoples Bank and Trust Co. Owenton, Ky. | 2.65 | 2.31 | 60,934 | 26.27 | 50.5 | |
First State Bank Burnet, Tex. | 2.65 | 2.63 | 130,474 | 18.5 | 47.21 | |
State Bank New Prague, Minn. | 2.65 | 2.09 | 83,295 | 29.88 | 47.82 | |
90 | State Bank of Wheaton Minn. | 2.64 | 3.18 | 66,180 | 13.83 | 38.14 |
Senath State Bank Mo. | 2.64 | 2.66 | 46,341 | 17.51 | 49.04 | |
92 | First Bank and Trust Broken Bow, Okla. | 2.63 | 3.01 | 80,536 | 26.8 | 50.01 |
93 | State Bank of Delano Minn. | 2.62 | 2.33 | 80,998 | 17.42 | 55.33 |
Homestar Bank Manteno, Ill. | 2.62 | 1.64 | 369,287 | 35.5 | 55.02 | |
Lindell Bank and Trust Co. St. Louis | 2.62 | 1.44 | 288,530 | 18.99 | 40.34 | |
96 | Home State Bank Louisville, Neb. | 2.59 | 2.96 | 62,841 | 23.78 | 43.19 |
Farmers State Bank Allen, Okla. | 2.59 | 2.3 | 30,638 | 25.32 | 52.85 | |
98 | Riverside Bank Sparkman, Ark. | 2.58 | 2.28 | 41,590 | 34.59 | 50.13 |
Talbot State Bank Woodland, Ga. | 2.58 | 1.45 | 74,483 | 30.24 | 76.71 | |
100 | First Community Bank Savage, Minn. | 2.58 | 3.05 | 85,231 | 31.36 | 41.49 |
First State Bank Scottsbluff, Neb. | 2.58 | 3.02 | 181,550 | 31.14 | 45.75 | |
Stockmans Bank Elk Grove, Calif. | 2.58 | 2.3 | 261,702 | 29.15 | 44.25 | |
103 | South Coast Trust and Loan Association Irvine, Calif. | 2.57 | 2.76 | 142,427 | 22.92 | 49.97 |
Viking State Bank and Trust Decorah, Iowa | 2.57 | 2.51 | 57,336 | 24.27 | 40.69 | |
Bank of Commerce Chouteau, Okla. | 2.57 | 3.2 | 32,722 | 27.06 | 54.58 | |
106 | State Bank of Niantic Ill. | 2.56 | 1.97 | 43,718 | 17.26 | 47.14 |
Mercantile Bank Louisiana, Mo. | 2.56 | 2.4 | 109,941 | 11.14 | 35.01 | |
Bank of the West Thomas, Okla. | 2.56 | 2.16 | 98,433 | 32.19 | 48.66 | |
109 | Gary State Bank Minn. | 2.55 | 2.53 | 10,707 | 18.37 | 61.46 |
Jefferson Bank Dallas | 2.55 | 1.08 | 129,027 | 44.9 | 75.74 | |
111 | Peoples State Bank Cherryvale, Kan. | 2.54 | 2.97 | 14,831 | 14.79 | 52.74 |
Farmers State Bank of Adams Minn. | 2.54 | 2.11 | 61,040 | 27.03 | 41.22 | |
First Safety Bank St. Bernard, Ohio | 2.54 | 2.02 | 52,226 | 18.15 | 50.74 | |
Coffee County Bank Manchester, Tenn. | 2.54 | 2.23 | 57,249 | 24.77 | 49.66 | |
Heritage Bank Wood River, Neb. | 2.54 | 2.68 | 445,095 | 26.5 | 48.07 | |
116 | State Bank of Marietta Minn. | 2.53 | 1.77 | 7,618 | 26.58 | 51.85 |
117 | First State Bank of Colfax Iowa | 2.52 | 1.78 | 56,777 | 27.22 | 35.55 |
Security First National Bank of Hugo Okla. | 2.52 | 2.5 | 80,574 | 33.97 | 39.65 | |
119 | First National Bank Glen Rose, Tex. | 2.51 | 1.79 | 44,379 | 23.95 | 54.72 |
United Community Bank Chatham, Ill. | 2.51 | 2.75 | 447,689 | 24.54 | 45.23 | |
121 | Wayne Bank and Trust Co. Cambridge City, Ind. | 2.5 | 3.05 | 119,044 | 22.63 | 52.68 |
Guaranty Bank and Trust Co of Delhi La. | 2.5 | 2.36 | 81,432 | 22.6 | 54.93 | |
Wabasha County Bank Minn. | 2.5 | 2.58 | 20,236 | 14.27 | 38.05 | |
Bank of the Southwest Roswell, N.M. | 2.5 | 2.37 | 106,290 | 27.26 | 65.31 | |
Citizens State Bank of Clara City Minn. | 2.5 | 3.12 | 134,761 | 27.17 | 44.86 | |
126 | Moorhead State Bank Iowa | 2.49 | 3.11 | 14,746 | 16.14 | 42.14 |
Marseilles Bank Ill. | 2.49 | 1.93 | 30,444 | 28.27 | 53.03 | |
128 | Quail Creek Bank Oklahoma City | 2.48 | 1.33 | 267,518 | 25.5 | 45.46 |
129 | Bank of Rantoul Ill. | 2.47 | 2.65 | 150,479 | 22.82 | 39.6 |
Prior Lake State Bank Minn. | 2.47 | 2.81 | 147,774 | 22.31 | 51.24 | |
First State Bank Barboursville, W.Va. | 2.47 | 1.57 | 106,784 | 31.07 | 74.03 | |
132 | Peoples Community Bank Greenville, Mo. | 2.46 | 2.19 | 67,384 | 18.25 | 56.57 |
Bank of DeSoto Tex. | 2.46 | 2 | 115,621 | 29.93 | 50.15 | |
Western Bank St. Paul | 2.46 | 2.47 | 314,410 | 27.75 | 54.8 | |
First National Bank of Albany Tex. | 2.46 | 2.6 | 218,744 | 20.54 | 46.33 | |
136 | First State Bank of Healy Kan. | 2.45 | 1.93 | 41,844 | 10.1 | 47.32 |
Citizens State Bank Enderlin, N.D. | 2.45 | 2.4 | 61,884 | 17.26 | 38.42 | |
Horizon Bank Waverly, Neb. | 2.45 | 2.13 | 69,348 | 25.29 | 45.48 | |
First National Bank of La Grange Ill. | 2.45 | 2.62 | 191,375 | 26.61 | 52.98 | |
140 | Interstate Bank Oak Forest, Ill. | 2.44 | 2.5 | 161,189 | 33.29 | 57.44 |
Citizens National Bank at Brownwood Tex. | 2.44 | 2.63 | 131,471 | 19.31 | 50.59 | |
Fidelity Bank Edina, Minn. | 2.44 | 2.2 | 338,541 | 30.9 | 31.53 | |
Central Bank of Missouri Sedalia | 2.44 | 2.29 | 58,973 | 23.72 | 50.61 | |
144 | Hill-Dodge Banking Co. Warsaw, Ill. | 2.43 | 1.99 | 32,458 | 27.83 | 39.26 |
Community National Bank Okarche, Okla. | 2.43 | 2.58 | 45,238 | 19 | 51.64 | |
First National Bank Fabens, Tex. | 2.43 | 2.37 | 195,661 | 32.5 | 47.47 | |
147 | First Bank of Okarche Okla. | 2.42 | 2.36 | 44,558 | 13.95 | 47.11 |
Citizens National Bank Wills Point, Tex. | 2.42 | 2.65 | 70,156 | 24.33 | 49.94 | |
Wood County National Bank Wisconsin Rapids, Wis. | 2.42 | 2.64 | 246,645 | 16.46 | 45.27 | |
150 | Corner Stone Bank Stewartsville, Mo. | 2.41 | 2.64 | 102,522 | 18.73 | 55.92 |
*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: Sheshunoff Information Services, a division of Thomson Corp.
© 2004 American Banker