Community Banks with Highest Return on Average Equity

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Community Banks with Highest Return on Average Equity

Community Banks with Highest Return on Average EquityOn June 30, 2009. Dollars in thousands
Published October 1, 2009

Rank   Return on avg. equity Assets Return on
average assets
Efficiency ratio
2Q '09 2Q '08
1 First State Bank Keyes, Okla. 59.92% -8.92% $38,734 4.65% 43.02%
2 Security State Bank Ansley, Neb. 57.76 25.43 70,651 4.32 41.14
3 Peoples Bank and Trust Co. Owenton, Ky. 52.38 27.71 86,023 2.52 44.28
4 Hiawatha National Bank Hager City, Wis. 51.66 -3.06 42,916 5.97 0
5 Benchmark Bank Plano, Tex. 49.95 3.52 330,572 4.28 55.48
6 Grand Bank Hamilton, N.J. 49.37 14.78 378,049 3.02 66.47
7 Frontier Bank Davenport, Neb. 46.63 15.78 20,264 2.76 49.33
8 TriCentury Bank Simpson, Kan. 44.95 -35.97 3,119 5.87 88.74
9 State Bank of Texas Irving 40.87 32.63 602,887 4.69 15.13
10 Bank of Dade Trenton, Ga. 38.65 39.51 91,118 2.61 51.35
11 Almena State Bank Kan. 37.07 9.05 17,975 2.57 67.33
12 First Security Bank-Lake Benton Minn. 36.77 0.77 26,227 2.75 53.57
13 Bank of Bloomsdale Mo. 36.22 31.88 182,861 3.02 38.30
14 Citizens State Bank of Clayton Wis. 35.51 25.55 73,792 2.65 48.11
15 Madison National Bank Hauppauge, N.Y. 35.44 -1.60 286,945 3.73 80.85
16 Bank of Buffalo Ky. 35.29 25.43 60,712 3.12 33.80
17 First State Bank Barboursville, W.Va. 35.00 20.80 204,436 3.02 55.58
18 Country Club Bank Shawnee Mission, Kan. 34.72 19.88 679,779 2.61 75.34
19 Community Bank Longview, Tex. 34.11 37.24 116,526 2.22 57.62
20 State Bank of New Richland Minn. 33.89 31.15 85,333 2.44 36.24
21 Welch State Bank Okla. 33.70 32.02 197,873 2.49 45.50
22 First National Bank Fabens, Tex. 33.41 31.54 286,369 2.45 44.13
23 State Bank of Danvers Minn. 33.36 6.80 37,462 3.85 41.68
24 Vermont State Bank Ill. 33.18 28.77 14,835 2.86 39.23
25 Bank of the Wichitas Snyder, Okla. 32.95 14.31 122,359 2.76 54.54
26 Charter Bank Corpus Christi 31.74 37.80 148,861 1.92 58.31
27 Continental Bank Salt Lake City 31.45 21.84 92,930 3.51 40.33
28 Bank at Broadmoor Colorado Springs 30.80 15.36 165,125 2.61 53.72
Bank of Baker Mont. 30.80 41.50 93,215 2.69 36.57
30 Home Bank of California San Diego 30.26 36.48 165,286 2.55 42.71
31 Riverside Bank Sparkman, Ark. 30.03 26.03 53,295 2.34 48.76
32 Texas Bank Brownwood 29.97 31.33 309,105 2.68 51.95
33 Bank of Rantoul Ill. 29.96 31.10 187,666 1.99 46.27
34 Farmers and Merchants Bank of Kendall Wis. 29.84 42.21 55,930 2.96 44.16
35 Oklahoma State Bank Buffalo 29.68 25.92 39,552 2.30 58.63
36 Lusk State Bank Wyo. 29.63 27.19 37,868 2.60 51.15
37 Farmers and Merchants State Bank of Pierz Minn. 29.50 23.04 175,302 2.39 44.63
38 Bank of Union El Reno, Okla. 29.42 24.92 260,110 2.61 37.02
39 Delta Bank Vidalia, La. 29.33 30.46 189,590 2.14 56.87
40 Auburn Banking Co. Ky. 29.24 28.24 62,862 2.43 62.04
41 First State Bank Chico, Tex. 29.22 22.39 194,993 2.14 52.96
42 Wells Bank of Platte City Mo. 28.91 24.47 69,937 2.33 48.58
43 State Bank of Lincoln Ill. 28.77 21.27 194,810 3.53 56.57
44 Wilburton State Bank Okla. 28.73 36.30 59,403 2.00 57.76
45 Citizens Bank of Las Cruces N.M. 28.70 28.57 345,858 2.49 56.73
46 Lone Star State Bank Tex. 28.65 23.98 43,985 2.14 41.31
47 First State Bank Camargo, Okla. 28.34 22.80 32,404 2.38 45.42
48 Tennessee State Bank Pigeon Forge 28.25 17.65 747,252 2.24 55.62
49 Farmers and Merchants State Bank of Blooming Prairie Minn. 28.18 30.36 65,043 2.34 54.13
50 Luana Savings Bank Iowa 27.89 20.84 316,594 1.89 36.24
51 Farmers Bank Carnegie, Okla. 27.35 24.63 48,616 2.86 50.40
52 International Bank Raton, N.M. 27.32 18.10 297,883 1.98 52.67
53 Quail Creek Bank Oklahoma City 27.18 31.12 423,515 2.28 48.63
54 Citizens State Bank Okemah, Okla. 26.83 17.95 131,312 2.10 36.41
55 Chickasha Bank and Trust Co. Okla. 26.76 19.42 171,104 2.42 55.15
56 Sound Banking Co. Tacoma 26.69 26.69 48,420 2.10 57.17
57 First American Bank Stonewall, Okla. 26.38 20.35 21,727 2.84 51.98
58 MidAmerican Bank and Trust Co. Leavenworth, Kan. 26.31 16.26 110,195 2.26 56.93
59 Bank of Las Vegas N.M. 26.27 27.14 180,565 2.13 51.20
60 Farmers State Bank Phillipsburg, Kan. 26.20 14.75 32,362 2.19 59.66
61 First Century Bank Gainesville, Ga. 26.09 -159.60 71,438 1.51 78.62
Sargent County Bank Forman, N.D. 26.09 17.43 77,101 3.27 30.49
63 First National Bank of Picayune Miss. 25.83 35.26 200,027 2.68 49.21
64 First American Bank Artesia, N.M. 25.75 30.71 596,753 2.01 63.05
65 First National Bank Arcadia, La. 25.65 30.13 182,335 1.94 66.44
66 Security First National Bank of Hugo Okla. 25.64 30.79 103,757 2.03 47.97
67 Borrego Springs Bank La Mesa, Calif. 25.63 -13.67 96,230 2.31 79.48
68 McKenzie County Bank Watford City, N.D. 25.58 17.14 60,033 2.06 47.49
69 First Community Bank Lester Prairie, Minn. 25.54 35.27 28,063 1.97 59.49
70 First Bank of Berne Ind. 25.39 25.29 396,146 2.29 46.84
71 Heritage State Bank Lawrenceville, Ill. 25.31 27.51 84,996 2.09 53.88
72 First Capital Bank Guthrie, Okla. 25.27 40.82 121,632 2.05 52.25
73 American Interstate Bank Elkhorn, Neb. 25.21 25.99 106,707 2.01 45.17
74 First Bank Ketchikan, Alaska 25.13 22.74 433,895 2.01 61.37
75 Buffalo Ridge Bank Beardsley, Minn. 25.03 30.66 34,449 2.13 54.70
76 FirstBank Antlers, Okla. 25.00 25.32 177,975 2.26 60.97
77 Brush Country Bank Freer, Tex. 24.94 26.97 37,432 2.30 55.83
78 Centinel Bank of Taos N.M. 24.93 23.43 166,553 1.91 70.39
79 The Bank Oberlin, Kan. 24.81 31.99 172,670 2.45 36.32
80 Jackson County Bank Black River Falls, Wis. 24.74 27.02 186,727 2.51 43.32
81 Farmers National Bank of Griggsville Ill. 24.73 23.37 46,455 2.15 59.25
82 Union Bank of Mena Ark. 24.70 25.99 161,194 2.12 61.52
83 Peoples Bank Paris, Tex. 24.66 26.32 117,259 2.05 65.73
84 Community Bank Bristow, Okla. 24.62 27.34 63,018 1.82 56.48
85 Great Plains Bank Eureka, S.D. 24.61 8.07 77,889 2.19 52.21
86 American Exchange Bank Elmwood, Neb. 24.47 2.93 32,439 3.16 44.33
87 Western Commerce Bank Carlsbad, N.M. 24.41 27.21 308,690 2.29 54.64
88 State Exchange Bank Lamont, Okla. 24.39 25.31 61,363 2.00 40.65
89 First Exchange Bank Mannington, W.Va. 24.32 19.30 198,455 1.73 56.26
90 Trust Co. San Antonio 24.30 -4.33 57,206 4.06 68.90
91 First National Bank in Dalhart Tex. 24.16 11.14 47,191 2.14 57.81
92 Clinton State Bank Minn. 24.15 22.56 60,022 3.25 26.08
First Financial Bank El Dorado, Ark. 24.15 26.86 617,810 2.16 61.93
94 Exchange Bank Gibbon, Neb. 24.12 43.02 177,994 1.49 51.49
95 Morris State Bank Okla. 24.08 25.51 65,340 1.99 58.00
96 Vermillion State Bank Minn. 23.93 26.18 416,959 2.87 24.87
97 Phelps County Bank Rolla, Mo. 23.92 22.33 233,549 1.97 67.03
98 Southwest National Bank Wichita 23.70 27.13 340,279 2.08 54.52
99 Welcome State Bank Minn. 23.68 22.98 19,583 2.48 51.07
100 First Bank and Trust Co. Wagoner, Okla. 23.65 29.32 205,699 2.05 48.74
101 Peoples Bank of Kankakee County Bourbonnais, Ill. 23.63 11.34 170,538 1.83 53.99
102 Community State Bank Hennessey, Okla. 23.58 26.22 33,973 2.02 69.56
103 Petersburg State Bank Neb. 23.55 12.91 28,754 2.04 52.53
104 American State Bank Osceola, Iowa 23.48 24.81 112,468 1.77 55.38
105 Farmers Savings Bank Colesburg, Iowa 23.43 21.89 112,628 1.81 47.70
United Community Bank of North Dakota Leeds 23.43 19.46 175,278 1.67 53.11
107 Brentwood Bank MHC Bethel Park, Pa. 23.39 6.87 449,718 1.46 56.78
108 First State Bank Huntsville, Tex. 23.33 23.06 132,573 2.36 46.94
109 Citizens National Bank of Bluffton Ohio 23.32 23.47 569,623 1.65 58.80
110 State Bank of Kimball Minn. 23.21 17.23 67,358 2.06 53.21
111 Bank Northwest Hamilton, Mo. 23.20 24.22 93,217 1.81 56.75
112 Peoples State Bank Blair, Okla. 23.17 15.14 14,855 2.56 61.78
113 Leader Bank Arlington, Mass. 23.09 3.68 324,415 2.07 51.20
114 Paducah Bank and Trust Co. Ky. 23.04 20.74 484,492 2.04 55.92
115 Town and Country Bank of Quincy Ill. 23.01 7.81 112,926 2.33 49.27
116 Cowboy Bank of Texas Maypearl 22.94 25.25 39,215 2.14 65.80
117 Central Bank and Trust Lander, Wyo. 22.87 28.08 98,814 1.87 59.66
118 First Neodesha Bank Kan. 22.81 23.66 62,029 1.79 57.10
119 Peoples Bank Mendenhall, Miss. 22.77 17.55 185,524 2.08 56.40
120 Byron Bank Ill. 22.76 20.36 204,007 1.87 53.60
Central National Bank of Poteau Okla. 22.76 27.73 185,136 2.09 56.80
First State Bank Louise, Tex. 22.76 22.27 214,634 1.91 61.43
Peoples Independent Bank Boaz, Ala. 22.76 19.56 173,102 1.43 59.65
124 First Credit Bank Los Angeles 22.72 18.02 492,035 4.54 8.98
125 Alamosa State Bank Colo. 22.69 27.43 145,529 2.27 50.80
126 Security Bank and Trust Co. Paris, Tenn. 22.66 7.08 157,070 2.30 44.44
127 First State Bank of Forrest Ill. 22.63 14.51 62,473 2.01 47.72
128 Ruby Valley National Bank Twin Bridges, Mont. 22.62 26.91 70,345 2.74 51.35
129 Casey State Bank Ill. 22.58 20.56 201,864 1.91 50.89
130 Grand Marais State Bank Minn. 22.54 29.54 62,853 2.05 58.80
131 Citizens State Bank of Waverly Minn. 22.52 29.60 55,681 1.92 59.88
132 MontroseBank Colo. 22.48 26.45 191,998 2.24 56.63
133 Caldwell Bank and Trust Co. Columbia, La. 22.47 14.68 92,515 1.84 68.54
134 First State Bank Watonga, Okla. 22.46 20.95 38,822 2.56 56.24
135 Security State Bank of Fergus Falls Minn. 22.42 25.15 119,712 1.75 56.29
136 Peoples State Bank Summit, S.D. 22.31 26.78 46,361 2.02 50.96
137 Pan American Bank Chicago 22.26 5.72 114,485 1.50 66.46
138 Citizens State Bank Miles, Tex. 22.21 13.30 69,325 1.63 61.38
139 First Bank and Trust Co. Lubbock, Tex. 22.18 13.90 470,735 1.76 68.18
140 State Bank of Wynnewood Okla. 22.14 17.47 60,549 2.60 52.48
141 Farmers and Merchants Bank Laotto, Ind. 22.13 16.91 81,898 1.83 82.42
142 Lamar Bank and Trust Co. Mo. 22.09 23.15 114,297 2.10 55.16
143 United Community Bank Chatham, Ill. 22.00 19.75 773,906 2.04 44.98
144 Peoples Bank of Greensboro Ala. 21.96 19.95 74,468 2.21 45.57
145 Metz Banking Co. Nevada, Mo. 21.94 10.00 56,670 2.02 48.99
146 Omaha State Bank 21.85 20.08 262,567 2.12 55.01
147 1st Bank and Trust Broken Bow, Okla. 21.84 27.16 107,209 2.49 49.33
148 Community Bank of Cameron Wis. 21.82 24.60 91,297 1.72 53.96
149 First National Bank in Graham Tex. 21.81 26.66 214,682 1.80 59.64
150 Liberty State Bank Powers Lake, N.D. 21.76 7.71 38,641 2.00 42.49

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 September 18, 2009. Figures for prior periods are not adjusted for mergers and acquisitions.

Source:

SNL Financial
, Charlottesville, Va.
© 2009 American Banker