Community Banks with Highest Return on Average Equity

Published March 31, 2004, 10:08 a.m. EST

Updated January 02, 1970, 9:08 a.m. EST

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Community Banks with Highest Return on Average Equity

*Community Banks with Highest Return on Average Equity**
In the fourth quarter of 2003. Dollars in thousands Published March 31, 2004
Rank		4Q '03	4Q '02	assets	Return on avg. assets	Efficiency ratio
1	Horizon National Bank Leawood, Kan.	48.48%	55.93%	$206,104	7.36%	75.09%
2	Broadway Bank Chicago	48.45	49.12	530,068	4.82	18.8
3	National Republic Bank of Chicago	48.28	42.07	458,327	4.1	23.87
4	Charter Bank Corpus Christi, Tex.	47.48	43.27	118,570	3.36	51.91
5	Jefferson Bank Dallas	44.9	14.19	129,027	2.55	75.74
6	Pueblo Bank and Trust Co. Pueblo, Colo.	44.86	38.28	349,547	3.81	51.17
7	Southern Horizon Bank Leary. Ga.	43.63	-8.94	15,049	4.64	72.19
8	Peoples National Bank Paris, Tex.	43.56	40.81	95,972	5.84	67.97
9	Community State Bank Milbank, S.D.	42.46	12.72	57,452	4.8	44.93
10	Peak National Bank Nederland, Colo.	38.41	38.4	197,812	3.03	52.12
11	First National Bank Bedford, Tex.	38.15	9.75	50,501	2.98	57.87
12	Bank Northwest Hamilton, Mo.	37.86	36.95	60,141	2.89	44.76
13	State Bank Texas Irving	37.76	13.46	155,349	3.24	38.61
14	Bank of Bloomsdale Mo.	37.73	33.19	136,767	3.08	34.49
15	Bank of Dade Trenton, Ga.	37.43	39.47	82,080	2.84	47.25
16	Brighton Bank Salt Lake City	36.86	34.27	154,434	3.61	44.68
17	Jackson State Bank and Trust Wyo.	36.63	39.07	562,234	2.87	40.22
18	Murphy Bank Calif.	36.56	35.77	92,576	4.25	38.55
19	First National Bank of Picayune Miss.	36.28	35.34	147,966	3.06	50.28
20	University National Bank Lawrence Kan.	36.21	34.1	81,149	4.15	44.22
21	State Bank of McGregor Minn.	35.64	35.16	41,972	3.32	38.59
22	Homestar Bank Manteno, Ill.	35.5	20.96	369,287	2.62	55.02
23	Farmers and Merchants State Bank Pierz, Minn.	35.08	32.69	149,506	3.22	31.39
24	Helm Bank Miami	35.02	17.15	280,425	2.18	54.93
25	State Bank of Southwest Missouri Springfield	34.77	35.17	79,952	2.27	52.09
26	Riverside Bank Sparkman, Ark.	34.59	29.92	41,590	2.58	50.13
27	Montrosebank Colo.	34.23	35.07	98,723	2.87	53.41
28	FirstBank Antlers, Okla.	34.13	28.44	113,537	3.22	54.21
29	First Bank and Trust Co. Lubbock, Tex.	34.03	37.35	202,842	2.33	72.83
30	Security First National Bank of Hugo Okla.	33.97	34.39	80,574	2.52	39.65
31	Elizabeth State Bank Ill.	33.37	24.24	75,075	2.7	43.77
32	Interstate Bank Oak Forest, Ill.	33.29	34.54	161,189	2.44	57.44
33	American Interstate Bank Manning, Iowa	33.23	21.06	31,543	2.98	34.94
34	Vermillion State Bank Minn.	32.63	33.67	283,675	3.32	30.96
35	Arkansas National Bank Bentonville, Ark.	32.61	25	497,745	2.83	47.45
36	Douglas County Bank Douglasville, Ga.	32.52	30.47	214,691	3.01	46.02
37	First Bank of Delaware Brandywine	32.51	14.34	44,537	4.51	51.28
38	First National Bank Fabens, Tex.	32.5	31.77	195,661	2.43	47.47
39	Randall State Bank Minn.	32.46	29.86	29,827	3.22	34.43
40	Falcon International Bank Laredo, Tex.	32.42	45.18	319,658	2.78	54.95
41	First National Bank of Hudson Woodbury, Minn.	32.29	32.87	337,845	2.99	53.5
42	Bank of the West Thomas, Okla.	32.19	27.41	98,433	2.56	48.66
43	County Bank Rehoboth Beach, Del.	32.1	32.23	256,132	2.69	46.9
44	Farmers and Merchants Bank Kendall, Wis.	31.66	24.56	30,981	2.71	47.26
45	North Valley Bank Thornton, Colo.	31.56	20.46	95,222	2.3	64.42
46	Commerce Bank Geneva, Minn.	31.54	30.94	80,307	2.86	37.09
47	Crescent Bank and Trust Co. New Orleans	31.5	26.25	296,987	4.11	49.45
48	First Bank Upper Michigan Gladstone	31.49	33.2	140,926	3.24	44.04
49	First Community Bank Savage, Minn.	31.36	35.13	85,231	2.58	41.49
50	Golf Savings Bank Mountlake Terrace, Wash.	31.28	31.35	168,443	4.18	71.8
51	Security Bank of Southwest Missouri Cassville	31.15	37.43	52,962	3.27	46.85
52	First State Bank Scottsbluff, Neb.	31.14	35.68	181,550	2.58	45.75
53	State Bank Tower, Minn.	31.11	40.21	43,425	2.28	61.44
54	First State Bank Barboursville, W.Va.	31.07	19.37	106,784	2.47	74.03
55	Fidelity Bank Edina, Minn.	30.9	33.64	338,541	2.44	31.53
56	Transcapital Bank Hallandale, Fla.	30.78	19.08	108,499	3.66	27.67
57	Elysian Bank Minn.	30.69	26.45	34,038	3.19	34.97
58	Gulf Coast Bank and Trust Co. New Orleans	30.66	20.88	367,875	2.21	62.28
59	First Bank Burkburnett, Tex.	30.44	35.94	132,343	2.36	60.7
60	Citizens State Bank Hudson, Wis.	30.33	22.54	123,657	2.77	53.92
61	Peotone Bank and Trust Co. Ill.	30.26	32.42	107,855	2.3	59.56
62	Talbot State Bank Woodland, Ga.	30.24	17.11	74,483	2.58	76.71
63	Community Bank Longview, Tex.	30.21	29.37	57,333	1.99	66.35
64	Chetopa State Bank and Trust Co. Kan.	30.1	25.06	25,142	2.04	54.04
65	First Mountain Bank Leadville, Colo.	30.05	30.96	21,089	2.11	67.67
66	Shoshone First Bank Cody, Wyo.	30.04	30.33	220,132	2.23	51.32
67	State Bank of Loretto Minn.	29.96	26.8	113,371	2.37	39.41
68	Bank of Mauston Wis.	29.95	12.88	164,046	3	46.75
69	Bank of DeSoto Tex.	29.93	26.58	115,621	2.46	50.15
70	State Bank New Prague, Minn.	29.88	22.82	83,295	2.65	47.82
71	Northpointe Bank Grand Rapids, Mich.	29.75	18.36	182,936	2.92	51.15
72	Byron Bank Ill.	29.64	31.41	122,702	2.79	45.76
73	Lakeside Bank Chicago	29.62	28.17	522,088	3	44.3
74	Beverly State Bank Kan.	29.61	27.27	16,013	2.36	52.66
75	Profinium Financial Truman, Minn.	29.55	13.67	192,512	3.15	59.08
76	First National Bank Chicago Heights, Ill.	29.44	20.11	446,134	2.22	49.97
77	Marine Bank of Springfield Ill.	29.4	21.92	631,761	2.34	45.6
78	State Bank of Countryside Ill.	29.39	29.81	754,543	2.97	31.35
79	First Bank and Trust Co. Wagoner, Okla.	29.28	26.93	123,954	2.96	45.81
80	Corydon State Bank Iowa	29.23	27.62	43,318	3.26	22.64
81	Farmers State Bank Alto Pass, Ill.	29.21	20.16	130,091	2.34	45.09
	First Community Bank Milton, Wis.	29.21	28.28	60,772	2.08	56.07
83	Stockmans Bank Elk Grove, Calif.	29.15	26.55	261,702	2.58	44.25
84	Bitterroot Valley Bank Lolo, Mont.	29.06	28.62	144,671	2.28	51.2
85	Heartland Bank and Trust Co. Bloomington, Ill.	28.98	27.04	707,340	2.76	48.33
86	First Valley Bank Seeley Lake, Mont.	28.95	26.48	32,196	2.24	45.08
87	Community Bank Cameron Wis.	28.89	28.62	58,328	1.96	54.17
88	First State Bank Forrest, Ill.	28.88	31.93	48,883	2.7	36.76
89	Ruby Valley National Bank Twin Bridges, Mont.	28.74	27.41	51,182	3	48.8
90	State Bank of Kimball Minn.	28.7	33.54	54,350	2.28	51.95
91	Farmers and Merchants State Bank Krum, Tex.	28.66	19.22	125,159	2.35	67.27
92	Alamosa National Bank Colo.	28.43	31.13	113,527	2.23	54.12
93	Community National Bank North Branch, Minn.	28.33	25.81	107,446	2.87	51.95
94	First Bank Kansas Salina	28.28	15.32	127,658	2.68	57.29
95	Marseilles Bank Ill.	28.27	24.52	30,444	2.49	53.03
96	Dairyland State Bank Bruce, Wis.	28.22	25.85	32,025	2.17	59.48
97	Central Bank and Trust Lander, Wyo.	28.21	35.43	66,648	2.03	55.08
98	First National Bank of Coffee County Douglas, Ga.	28.17	27.74	110,364	2.19	52.56
99	Phoenix Savings Bank Lynnwood, Wash.	28.1	36.32	83,199	3.56	77.06
100	First Security Bank of Sleepy Eye Minn.	28.06	30.35	124,527	2.12	54.28
101	First National Bank of Durango Colo.	27.94	27.94	254,750	2.13	56.65
102	Hill-Dodge Banking Co. Warsaw, Ill.	27.83	24.07	32,458	2.43	39.26
103	Unico Bank Irondale, Mo.	27.79	23.08	151,989	2.39	56.5
104	Western Bank St Paul, Minn.	27.75	28.93	314,410	2.46	54.8
105	American Interstate Bank Elkhorn, Neb.	27.59	24.33	78,899	2.08	30.38
106	State Bank in Eden Valley Minn.	27.52	16.88	34,941	2.9	38.37
107	Community State Bank Union Grove, Wis.	27.49	24.29	214,910	2.73	55.12
108	Bank of the Southwest Roswell, N.M.	27.26	24.09	106,290	2.5	65.31
109	First State Bank of the Florida Key Key West	27.25	25.44	486,779	1.87	62.99
110	First State Bank of Colfax Iowa	27.22	21.2	56,777	2.52	35.55
111	Hernando County Bank Brooksville, Fla.	27.19	31.17	53,326	2.03	64.89
112	Citizens State Bank of Clara City Minn.	27.17	33.53	134,761	2.5	44.86
113	Central Bank Stillwater, Minn.	27.11	29.48	264,890	2.13	59.37
114	Bank of Las Vegas	27.07	38.48	130,203	2.2	60.88
115	Bank of Commerce Chouteau, Okla.	27.06	34.52	32,722	2.57	54.58
116	Farmers State Bank of Adams Minn.	27.03	23.94	61,040	2.54	41.22
117	Missouri Bank Warrenton	26.97	29.85	120,129	2.11	51.65
	St. Anthony Park Bank St. Paul	26.97	28.58	163,327	2.18	56.75
119	First National Bank of Las Animas Colo.	26.94	23.66	134,317	2.1	50.82
120	Bank of Northumberland Heathsville, Va.	26.89	22.91	200,653	1.79	41.31
121	Columbian Bank and Trust Co. Topeka, Kan.	26.85	15.29	214,139	2.03	54.85
	Iowa State Bank Des Moines	26.85	28.82	229,666	2.82	48.32
123	First Bank and Trust Broken Bow, Okla.	26.8	31.03	80,536	2.63	50.01
124	First National Bank of Sarcoxie Mo.	26.78	27.22	25,362	2.83	49.27
125	New Lenox Savings Bank Ill.	26.71	24.43	995,565	1.98	46.02
126	First National Bank of La Grange Ill.	26.61	28	191,375	2.45	52.98
127	State Bank of Marietta Minn.	26.58	17.05	7,618	2.53	51.85
128	University National Bank St Paul, Minn.	26.54	27.28	105,180	1.92	44.97
129	Heritage Bank Wood River, Neb.	26.5	33.79	445,095	2.54	48.07
130	Grand Marais State Bank Minn.	26.48	36.38	67,706	1.9	54
131	First National Bank of Artesia N.M.	26.46	25.95	328,956	2.15	58.68
	Homosassa Springs Bank Fla.	26.46	27.31	66,568	2.4	52.1
133	FirstCity Bank Gibson, Ga.	26.42	2.65	63,826	2.25	54.93
134	First Coleman National Bank Tex.	26.39	32.07	55,600	2.66	45.61
135	Community National Bank Sarasota County Venice, Fla.	26.31	24.89	91,852	2.03	59.19
136	Peoples Bank and Trust Co. Owenton, Ky.	26.27	24.71	60,934	2.65	50.5
137	Countybank Greenwood, S.C.	26.22	18.17	194,070	2.92	55.44
138	Citizens Bank of Las Cruces N.M.	26.18	22.15	239,375	1.97	61.44
139	Lakes State Bank Pequot Lakes, Minn.	26.11	23.37	70,995	2.93	50.36
140	First National Bank of Wyoming Laramie	26.1	23.79	143,647	1.9	59.15
141	State Bank of Lincoln Ill.	26.03	23.83	172,754	3.62	48.89
142	Home State Bank Litchfield, Minn.	25.99	25.03	83,157	2.2	60.03
143	Williamsburg National Bank Ky.	25.88	23.44	66,837	2.35	44.47
144	First Bank of Georgia Thomson	25.82	22.01	265,899	1.92	62.82
145	Bank of Buffalo Ky.	25.81	26.88	48,446	2.77	35.42
146	Farmers Savings Bank Mineral Point, Wis.	25.79	26.6	143,682	2.12	46.16
147	First State Bank Avinger, Tex.	25.7	25.1	16,146	1.91	51.33
148	Bank of the Cascades Bend, Ore.	25.65	26.4	733,244	2.11	51.55
149	First Kansas Bank and Trust Co. Gardner	25.64	27.62	91,547	1.67	56.8
150	First Bank of Newton Kan.	25.62	26.86	106,706	1.59	60.62

*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