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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

Community Banks* with Highest Return on Average Assets
In the fourth quarter of 2003. Dollars in thousands
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

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