Community Banks with Highest Return on Average Assets

June 23, 2004, 10:08 a.m. EDT 1 Min Read

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Community Banks with Highest Return on Average Assets
In the first quarter of 2004. Dollars in thousands* Published June 23, 2004
Related Table: Leaders in ROA Improvement and in Efficiency
Rank		Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		1Q 2004	1Q 2003	Assets	Return on avg. equity	Efficiency ratio
1	First Commercial Bank Seguin, Tex.	11.56%	-0.42%	$76,158	103.32%	26.54%
2	American Investment Bank Salt Lake City	8.83	2.73	160,878	23.22	79.53
3	American Interstate Bank Manning, Iowa	8.66	1.76	22,403	63.64	19.04
4	Intertiol City Bank Long Beach, Calif.	8.00	1.35	184,879	69.60	19.42
5	First Bank of Delaware Brandywine	7.43	3.89	55,394	43.54	44.63
6	Community State Bank Milbank, S.D.	6.73	1.13	58,469	50.16	41.23
7	Spring Valley Bank Wyoming, Ohio	6.65	3.13	48,425	28.15	19.75
8	Bryant State Bank S.D.	6.45	0.40	18,151	48.54	48.02
9	Stearns Bank Arizona Scottsdale	6.44	1.97	98,532	52.54	31.21
10	First State Bank of Healy Kan.	6.09	2.28	40,435	25.53	42.10
11	First National Bank of Lewellen Neb.	5.74	2.49	21,378	24.61	36.14
12	Peoples State Bank Cherryvale, Kan.	5.66	2.54	13,851	27.84	39.93
13	First State Bank Huntsville, Tex.	5.59	1.66	47,059	49.51	45.51
14	Peoples State Bank of Madison Lake Minn.	5.34	0.88	24,997	43.20	32.08
15	First Credit Bank Los Angeles	5.11	3.63	364,548	33.12	20.48
16	1st Financial Bank Overland Park, Kan.	4.83	-1.12	54,641	40.78	39.12
17	Connecticut Community Bank Westport	4.81	0.60	234,158	45.68	29.29
18	Broadway Bank Chicago	4.69	4.74	533,242	45.47	21.49
19	Bank of St. Edward St. Edward, Neb.	4.53	4.81	34,943	20.39	19.35
20	Transcapital Bank Hallandale, Fla.	4.49	3.36	126,390	34.34	24.25
21	Pueblo Bank and Trust Co. Colo.	4.09	3.59	339,879	49.05	49.49
	National Bank of Kansas City Leawood, Kan.	4.09	9.63	224,152	29.45	80.92
23	Brighton Bank Salt Lake City	4.04	3.92	166,725	36.10	47.92
24	Murphy Bank Fresno	3.98	4.29	97,561	34.32	38.29
25	Stearns Bank St. Cloud, Minn.	3.90	5.79	845,394	31.06	36.05
26	First National Bank and Trust St. John, Kan.	3.77	1.75	47,416	27.78	64.58
27	National Republic Bank of Chicago	3.76	4.03	463,658	35.08	20.97
28	Central State Bank Elkader, Iowa	3.75	1.66	86,451	17.91	34.36
	First National Bank and Trust Pipestone, Minn.	3.75	1.24	120,151	31.23	30.39
	Yellowstone Bank Laurel, Mont.	3.75	4.02	285,883	23.18	33.52
31	First National Bank of Mount Vernon Mo.	3.66	0.34	89,263	28.78	45.82
32	M&T Bank Oakfield, N.Y.	3.65	1.41	406,319	17.33	58.06
33	State Bank of McGregor Minn.	3.64	3.26	41,255	37.14	35.30
34	First Bank of Okarche Okla.	3.57	3.20	41,843	20.74	30.88
35	Elysian Bank Minn.	3.56	3.61	32,900	34.61	29.02
36	Community Bank Owatonna Minn.	3.51	-8.86	23,329	21.28	112.11
37	Commerce Bank Geneva, Minn.	3.48	2.76	82,417	31.58	32.51
38	Security Bank of South West Missouri Cassville	3.46	3.16	57,048	34.98	43.87
39	American National Bank Parma, Ohio	3.45	1.84	32,118	14.45	60.49
40	Bank of Alma Wis.	3.44	3.17	153,105	13.83	13.07
41	United Prairie Bank New Ulm Minn.	3.42	0.47	27,727	24.45	69.27
42	SunTrust Bancard Orlando	3.40	0.01	179,413	22.62	82.25
43	Southern Horizon Bank Leary, Ga.	3.39	5.50	16,851	34.93	74.35
	Corydon State Bank Corydon, Iowa	3.39	3.71	43,031	28.75	23.60
45	Vermillion State Bank Minn.	3.34	3.43	282,115	32.33	30.70
46	Douglas County Bank Douglasville, Ga.	3.33	2.89	222,336	34.89	41.06
	Crescent Bank and Trust Co. New Orleans	3.33	4.89	315,308	26.22	55.65
48	Charter Bank Corpus Christi	3.30	2.97	112,626	49.01	53.56
49	Randall State Bank Minn.	3.26	3.39	29,541	31.26	37.00
50	Citizens State Bank of Cheney Kan.	3.25	2.67	36,387	26.72	42.88
	Stearns Bank of Holdingford Minn.	3.25	1.44	52,463	22.06	28.55
52	University National Bank of Lawrence Kan.	3.24	4.92	85,186	26.70	47.84
53	Bank of Buffalo Buffalo, Ky.	3.21	3.25	51,589	30.86	30.53
54	Corner Stone Bank Stewartsville, Mo.	3.18	2.64	101,345	26.77	49.61
55	Citizens State Bank of Clara City Minn.	3.16	2.13	163,271	38.15	38.03
56	Vermont State Bank Vermont, Ill.	3.15	2.79	5,856	21.71	53.53
	Davis Trust Co. Elkins, W.Va.	3.15	1.03	125,905	19.57	73.03
58	Farmers and Merchants State Bank Pierz, Minn.	3.14	2.57	148,611	33.64	31.02
	State Bank Texas Irving	3.14	2.39	157,306	33.18	40.89
60	Farmers Bank Carnegie, Okla.	3.13	2.90	30,451	28.58	45.98
61	Deposit Bank of Carlisle Ky.	3.11	1.86	59,005	14.87	32.82
62	River City Bank Louisville, Ky.	3.08	3.00	199,483	25.04	35.25
	First National Bank of Picayune Miss.	3.08	3.19	153,168	36.63	46.79
64	State Bank of Countryside Ill.	3.04	3.00	774,841	30.52	31.43
65	Drummond Community Bank Chiefland, Fla.	3.03	2.89	130,672	25.04	48.01
66	First State Bank Watonga, Okla.	3.01	2.18	33,429	29.37	51.90
67	Solon State Bank Solon, Iowa	3.00	4.03	66,651	17.08	41.17
68	Haverford Trust Co. Radnor, Pa.	2.99	1.06	149,802	30.77	78.02
69	First National Bank of Sarcoxie Mo.	2.98	2.69	25,143	27.67	49.05
70	FirstBank Antlers, Okla.	2.97	3.05	105,735	32.37	54.70
	Justin State Bank Tex.	2.97	2.89	55,208	29.13	47.28
72	Community National Bank Pasco County Zephyrhills, Fla.	2.96	0.50	183,561	40.96	36.79
	State Bank of Niantic Ill.	2.96	2.32	46,034	19.26	43.89
74	Central Valley Bank Ottumwa, Iowa	2.95	NA	118,014	15.96	47.04
	First State Bank of Beecher City Ill.	2.95	2.32	36,256	17.71	46.39
	First State Bank Burnet, Tex.	0.03	0.03	128,418	0.21	0.44
77	Farmers State Bank Parkston, S.D.	2.94	1.02	101,119	19.69	50.54
	Farmers and Merchants Bank Kendall, Wis.	2.94	2.74	32,078	34.28	45.43
79	Merchants and Farmers Bank Comer, Ga.	2.93	3.38	124,336	20.78	50.50
	State Bank New Prague, Minn.	2.93	3.36	89,086	35.84	42.05
	First National Bank Glen Rose, Tex.	2.93	2.46	45,307	28.80	51.10
82	Mercantile Bank Louisiana, Mo.	2.92	2.82	108,601	12.62	32.86
	First State Bank Shelton, Neb.	2.92	2.53	36,105	27.41	38.59
84	First Bank and Trust Co. Wagoner, Okla.	2.91	3.20	123,116	28.78	43.48
	Bank of Mauston Wis.	2.91	3.06	163,450	28.30	47.47
86	Moorhead State Bank Iowa	2.90	2.60	14,467	17.83	32.91
	Clinton State Bank Minn.	2.90	2.69	56,519	23.86	24.93
	State Bank of Delano Minn.	2.90	2.13	91,068	22.16	49.55
	Stearns Bank of Upsala Minn.	2.90	0.22	35,576	21.42	37.03
	Lindell Bank and Trust Co. St. Louis	2.90	2.58	272,661	19.29	37.73
91	State Bank of Lincoln Ill.	2.89	4.53	174,373	21.02	46.48
	Farmers Savings Bank Mineral Point, Wis.	2.89	2.49	144,672	35.75	44.23
93	Peak National Bank Nederland, Colo.	2.88	2.92	197,705	34.38	53.64
	Farmers and Merchants Bank Dublin, Ga.	2.88	2.84	410,852	16.53	34.82
95	First Bank of Chandler Okla.	2.87	2.41	58,035	28.00	42.14
96	Taylor County Bank Campbellsville, Ky.	2.86	1.75	113,086	31.79	49.82
	City Bank Lynnwood, Wash.	2.86	3.04	626,500	11.60	54.23
	Jackson State Bank and Trust Wyo.	2.86	2.93	588,093	33.28	39.04
99	Bank of Hemet Riverside, Calif.	2.85	-0.42	323,325	33.04	46.89
	Senath State Bank Mo.	2.85	3.30	44,752	20.30	45.78
	Peoples State Bank De Smet, S.D.	2.85	2.47	53,273	17.77	37.51
102	Iowa State Bank Des Moines	2.84	2.57	231,376	27.41	46.52
	Hampton State Bank Iowa	2.84	1.80	47,951	23.12	58.71
	First Bank Upper Michigan Gladstone	2.84	2.97	149,394	26.35	48.28
	American Bank St. Paul	2.84	1.11	565,189	21.68	58.84
106	State Savings Bank Creston, Iowa	2.83	-0.16	30,822	33.89	54.52
	First National Bank in Mahnomen Minn.	2.83	0.73	52,541	29.17	63.89
108	American National Bank of Rock Springs Wyo.	2.82	3.15	49,293	22.17	47.35
109	Northpointe Bank Grand Rapids, Mich.	2.80	2.45	201,442	29.27	51.06
	Union Bank Kansas City, Mo.	2.80	1.35	501,964	24.61	34.25
111	Farmers State Bank of Darwin Minn.	2.79	2.08	20,885	25.58	48.14
	First State Bank of Thermopolis Wyo.	2.79	1.68	49,039	33.87	43.57
113	First National Bank American East Lansing, Mich.	2.77	1.75	394,255	15.49	52.08
114	Central State Bank State Center, Iowa	2.76	3.53	65,149	16.32	30.06
	First State Bank Grove City, Minn.	2.76	1.25	15,146	13.07	53.29
	First National Bank of Hudson Woodbury, Minn.	2.76	2.86	329,511	27.18	57.22
	Sun Society Bank Ellington, Mo.	2.76	1.53	256,995	22.67	49.75
	Bank of St. Elizabeth Mo.	2.76	1.53	46,457	20.25	43.23
	Chambers State Bank Chambers, Neb.	2.76	3.50	27,567	10.51	31.33
	Gunnison Valley Bank Utah	2.76	3.17	48,282	24.48	39.36
121	Decatur State Bank Ark.	2.75	1.60	139,660	21.98	44.24
	Exchange State Bank Springville, Iowa	2.75	2.12	25,524	16.57	31.37
	Western Bank St. Paul	2.75	2.09	329,238	28.49	52.85
	First National Bank Rosedale, Miss.	2.75	2.60	39,340	16.61	56.46
125	Arkansas National Bank Bentonville	2.74	2.71	519,013	32.47	53.43
126	Bank of Perry County Lobelville, Tenn.	2.72	1.57	78,494	15.81	38.05
127	Walker State Bank Iowa	2.71	1.26	22,417	25.62	41.65
	Union National Bank Elgin, Ill.	2.71	2.78	209,931	28.36	29.70
	First State Bank Forrest, Ill.	2.71	2.70	50,133	27.51	39.11
130	Falcon International Bank Laredo, Tex.	2.70	3.19	321,801	28.93	56.09
	Community State Bank Union Grove, Wis.	2.70	2.57	216,605	25.87	55.29
132	Fisher National Bank Fisher, Ill.	2.69	1.78	42,948	22.45	46.78
133	Amerika Samoa Bank Pago Pago, American Somoa	2.68	2.07	79,308	22.82	43.59
	Home State Bank Louisville, Neb.	2.68	3.05	62,426	25.32	42.21
135	Peoples Bank and Trust Co. Owenton, Ky.	2.67	2.05	58,983	22.52	51.87
	Bank of Bloomsdale Mo.	2.67	3.61	145,075	33.81	37.74
	First Citizens Bank of Butte Mont.	2.67	2.18	59,571	31.33	51.85
138	Androscoggin Savings Bank Lewiston, Maine	2.66	0.52	481,748	22.90	39.02
139	First National Bank of Fairfax Minn.	2.65	2.87	24,325	8.24	43.47
	Pioneer Trust Bank Salem, Ore.	2.65	2.78	218,984	19.58	34.52
	Bank of San Jacinto County Coldspring, Tex.	2.65	1.74	27,111	22.49	62.38
142	Merchants Bank of California Carson, Calif.	2.64	2.14	54,335	16.71	76.06
	First National Bank of Bancroft Neb.	2.64	1.60	14,952	14.25	52.53
144	Farmers State Bank of Adams Minn.	2.63	2.53	60,965	26.29	37.45
145	Riverside Bank Sparkman, Ark.	2.62	1.74	42,512	34.50	50.95
	Meridian Bank Wickenburg, Ariz.	2.62	2.89	594,448	14.61	62.83
	Stockmans Bank Elk Grove, Calif.	2.62	2.54	270,675	29.00	43.76
	Bank of Bonifay Fla.	2.62	2.23	131,199	30.44	58.36
	Bank of the Southwest Roswell, N.M.	2.62	2.40	113,530	30.95	63.41
	Quail Creek Bank Oklahoma City	2.62	2.50	269,324	27.26	45.46

*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: Highline Banking Data Services (877-299-9424)