Community Banks with Highest Return on Average Equity

January 06, 2010, 3:03 p.m. EST 1 Min Read

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Community Banks with Highest Returns on Average EquityOn September 30, 2009. Dollars in thousands Published January 7, 2010
Rank		Return on avg. equity		Assets	Return on average assets	Efficiency ratio
Rank		3Q '09	3Q '08	Assets	Return on average assets	Efficiency ratio
1	Central Bank and Trust Lander, Wyo.	274.26%	26.03%	$145,924	26.06%	10.38%
2	First State Bank of Burlingame Kan.	234.47	-129.72	37,429	5.86	39.96
3	State Bank of Texas Dallas	143.08	39.78	655,935	18.42	5.10
4	Winona National Bank Minn.	108.28	23.02	334,871	1.92	55.74
5	First Security Trust and Savings Bank Elmwood Park, Ill.	76.14	9.56	226,831	6.14	163.67
6	Harvard State Bank Ill.	72.11	7.33	250,649	6.45	29.71
7	First National Bank of Gilman Ill.	69.87	2.53	38,756	2.03	85.25
8	First Valley Bank Seeley Lake, Mont.	66.32	22.33	53,154	5.72	27.73
9	Citizens Bank and Trust Co. of Chicago	63.05	36.43	80,641	3.24	53.63
10	First National Bank of Beardstown Ill.	56.15	11.48	85,034	7.65	32.08
11	Continental Bank Salt Lake City	53.26	7.47	114,017	5.17	24.68
12	United Bank Barnesville, Ga.	50.31	18.58	929,677	4.82	32.61
13	Almena State Bank Kan.	50.00	54.69	18,758	3.33	59.72
14	Benchmark Bank Plano, Texas	47.91	15.59	323,847	4.12	57.78
15	Security State Bank Ansley, Neb.	47.85	23.21	72,725	3.90	43.78
16	Peoples Bank Lawrence, Kan.	47.03	15.43	337,810	3.40	96.39
17	Old Exchange National Bank of Okawville Ill.	45.58	13.60	48,098	4.58	89.79
18	Charter Bank Corpus Christi	42.16	45.33	151,477	2.99	43.00
19	Davison State Bank Mich.	41.27	9.16	41,306	2.75	87.40
20	First State Bank Camargo, Okla.	39.97	21.75	36,784	3.39	39.02
21	Bank of Dade Trenton, Ga.	38.39	38.69	91,842	2.70	49.12
22	State Bank of New Richland Minn.	37.33	30.45	86,788	2.90	43.44
23	Bank of Buffalo Ky.	35.88	19.36	61,845	3.33	31.97
24	First National Bank Fabens, Texas	35.80	28.58	283,918	2.58	45.05
25	Farmers and Merchants Bank of Kendall Wis.	35.16	41.92	56,914	3.56	33.52
26	New Century Bank Belleville, Kan.	34.90	13.25	20,719	3.59	65.09
27	First State Bank Minnesota Le Roy	34.78	16.17	58,078	3.10	39.00
28	Texas Savings Bank Snyder	33.91	19.17	122,970	2.50	47.49
29	Central Bank Stillwater, Minn.	33.69	18.37	768,950	2.67	36.32
30	Bank of Baker Mont.	33.35	42.34	97,561	2.97	33.40
31	Community Bank Longview, Texas	33.29	39.52	120,008	2.14	59.18
32	Wilburton State Bank Okla.	33.23	40.87	59,196	2.60	55.58
33	Crown Bank Brick, N.J.	33.22	7.41	555,825	3.85	38.73
34	Commercial State Bank of Wagner S.D.	33.01	12.40	116,054	3.35	37.33
35	Lone Star State Bank Texas	32.10	23.93	41,898	2.24	41.13
36	Texas Bank Brownwood	32.02	28.08	287,557	2.94	50.58
37	Volunteer State Bank Portland, Tenn.	31.48	24.84	314,875	2.67	69.33
38	First National Bank Rosedale, Miss.	31.34	26.07	86,033	3.76	33.59
39	Heritage State Bank Lawrenceville, Ill.	31.07	59.90	89,477	2.48	48.97
40	Welch State Bank Okla.	30.77	32.64	199,576	2.47	47.74
41	Bank of the Wichitas Snyder, Okla.	30.26	18.44	124,026	2.94	52.67
42	Union State Bank of Everest Kan.	30.03	20.23	157,894	2.31	55.04
43	Quail Creek Bank Oklahoma City	29.95	32.28	435,456	2.58	43.15
44	Live Oak Banking Co. Wilmington, N.C.	29.93	-26.01	117,443	2.82	60.83
45	First Community Bank San Benito, Texas	29.86	19.12	189,440	2.26	72.18
46	Citizens State Bank of Clayton Wis.	29.68	20.50	75,000	2.19	54.20
47	Clarion County Community Bank Clarion, Pa.	29.49	3.97	93,821	3.09	72.99
	Bank of Union El Reno, Okla.	29.49	26.43	294,474	2.52	35.91
49	Delta Bank Vidalia, La.	29.06	32.74	186,828	2.29	57.37
50	First State Bank Louise, Texas	29.03	21.42	219,758	2.51	57.53
51	Bank of Lindsay Neb.	28.94	7.02	30,126	2.81	45.54
52	Bank of Las Vegas N.M.	28.79	22.43	186,254	2.29	51.27
53	Oklahoma State Bank Buffalo	28.52	28.57	39,348	2.35	60.03
54	Adrian Bank Mo.	28.50	22.29	102,369	2.43	47.52
55	Poca Valley Bank Inc. Walton, W.Va.	28.39	9.22	295,398	1.90	71.08
56	Covenant Bank Chicago	28.38	-23.75	72,248	2.32	62.04
57	Wells Bank of Platte City Mo.	28.37	23.64	73,183	2.20	54.33
58	United Community Bank Leeds, N.D.	28.33	25.56	191,799	2.12	46.03
59	Four Corners Community Bank Farmington, N.M.	27.90	30.54	208,980	1.83	48.08
60	First National Bank Arcadia, La.	27.54	33.11	184,899	2.14	63.97
61	Farmers and Merchants State Bank of Blooming Prairie Minn.	27.53	34.65	65,063	2.33	54.82
62	First National Bank of Burleson Texas	27.50	31.80	161,764	2.53	51.47
63	First FarmBank Greeley, Colo.	27.44	-4.69	57,697	2.90	69.51
64	Citizens State Bank Grainfield, Kan.	27.32	18.61	8,905	2.51	52.07
65	American Marine Bank Bainbridge Island, Wash.	27.29	3.06	373,185	0.98	100.51
66	Citizens Bank of Las Cruces N.M.	27.23	30.14	367,032	2.38	57.83
	Union Bank of Mena Ark.	27.23	24.77	159,030	2.31	62.17
68	First State Bank Armour, S.D.	27.22	40.46	80,299	2.37	57.25
69	Pan American Bank Chicago	26.84	37.79	126,185	1.73	62.22
70	First State Bank Valliant, Okla.	26.63	20.65	58,660	2.62	52.71
71	University National Bank St. Paul	26.48	24.08	133,987	3.24	43.21
72	Welcome State Bank Minn.	26.36	25.60	20,381	2.84	46.92
73	State Exchange Bank Lamont, Okla.	26.34	18.40	62,301	2.29	30.87
74	State Bank of Hawley Minn.	26.33	18.23	79,886	2.26	58.50
75	Washington Business Bank Olympia	26.23	1.12	70,605	2.55	94.27
76	Sound Banking Co. Tacoma	26.12	28.89	51,920	1.97	56.74
77	Farmers and Merchants State Bank of Cawker City Kan.	26.08	23.32	14,799	2.16	51.22
78	Citizens National Bank of Texas Waxahachie	26.07	0.66	495,688	2.57	67.90
79	Farmers National Bank of Griggsville Ill.	26.02	16.18	46,605	2.28	57.10
80	South Lafourche Bank and Trust Co. Larose, La.	25.95	29.36	144,419	2.20	54.16
81	American State Bank of Grygla Minn.	25.93	27.85	22,909	2.63	55.71
82	Landmands Bank Audubon, Iowa	25.75	22.56	62,487	2.52	38.09
83	State Bank of Paw Paw Ill.	25.69	15.28	49,382	2.86	68.51
84	First American Bank Artesia, N.M.	25.65	33.34	593,631	2.08	63.24
85	Citizens State Bank of Waverly Minn.	25.51	24.43	54,583	2.24	54.84
86	Mainland Bank Texas City	25.31	30.74	94,302	2.14	60.53
87	FirstBank Antlers, Okla.	25.29	25.60	188,197	2.25	59.70
	Peoples Bank Paris, Texas	25.29	25.71	114,185	2.24	66.43
89	First Bank and Trust Co. Wagoner, Okla.	25.22	27.02	207,804	2.19	46.33
90	Farmers and Merchants State Bank Plankinton, S.D.	25.17	25.84	70,158	2.41	45.70
91	Washington State Bank La.	25.14	15.42	127,031	2.72	48.05
92	State Savings Bank Creston, Iowa	24.95	29.57	47,404	2.08	50.61
93	MontroseBank Colo.	24.90	25.10	202,904	2.44	54.33
94	Unico Bank Mineral Point, Mo.	24.88	28.16	200,769	2.10	53.47
95	Jonesburg State Bank Mo.	24.87	23.15	64,577	1.95	55.89
96	Farmers and Merchants State Bank of Clarkfield Minn.	24.85	18.23	37,239	2.34	63.64
97	First National Bank of Santa Fe N.M.	24.84	25.29	681,180	2.09	54.78
98	First National Bank of Albany Texas	24.75	32.75	325,028	2.42	40.53
99	Frontier Bank Davenport, Neb.	24.72	24.52	21,896	2.67	51.46
100	First State Bank of Golva N.D.	24.70	23.13	51,748	2.15	41.42
101	Grand Marais State Bank Minn.	24.63	28.20	64,857	2.16	57.33
102	Houston Community Bank	24.62	22.35	230,226	2.08	56.18
103	Auburn Banking Co. Ky.	24.58	31.43	63,289	1.98	58.72
104	Southwest National Bank Wichita	24.57	27.00	345,129	2.21	53.65
105	First National Bank of Las Animas Colo.	24.53	23.09	238,571	2.15	46.53
106	PrinsBank Prinsburg, Minn.	24.52	33.85	54,319	3.07	58.91
	First National Bank of Crossett Ark.	24.52	12.66	160,008	2.46	60.86
108	First National Bank of Picayune Miss.	24.44	34.57	203,760	2.56	45.28
109	Alamosa State Bank Colo.	24.39	30.79	153,010	2.31	47.10
110	First Bank of Berne Ind.	24.37	24.62	395,026	2.29	44.58
111	Westside State Bank Iowa	24.36	20.47	58,938	2.33	42.71
	Security First National Bank of Hugo Okla.	24.36	27.80	104,287	1.96	50.21
113	Paducah Bank and Trust Co. Ky.	24.35	25.10	493,615	2.31	56.06
114	Professional Bank Dallas	24.34	-26.40	125,000	1.93	87.09
115	Elysian Bank Minn.	24.26	26.61	36,106	2.52	42.25
116	First National Bank of Jeanerette La.	24.20	24.75	149,070	1.97	58.31
117	Lusk State Bank Wyo.	24.13	30.35	41,042	2.09	62.34
118	Peoples Bank Mendenhall, Miss.	23.98	21.73	192,048	2.24	57.42
119	First American Bank Stonewall, Okla.	23.97	23.87	21,945	2.53	57.07
	Exchange Bank Gibbon, Neb.	23.97	3.54	181,293	1.74	40.06
121	State Bank of Delphos Kan.	23.93	31.92	36,586	2.15	56.89
122	Farmers Exchange Bank Cherokee, Okla.	23.92	15.35	107,527	2.39	59.76
	McKenzie County Bank Watford City, N.D.	23.92	20.37	62,243	2.05	49.07
	Phelps County Bank Rolla, Mo.	23.92	20.25	237,641	1.96	61.97
125	Brush Country Bank Freer, Texas	23.85	35.49	35,684	2.23	55.28
126	Peoples State Bank Blair, Okla.	23.82	21.28	14,555	2.63	62.06
127	Central National Bank of Poteau Okla.	23.78	27.30	184,308	2.28	54.18
128	Palmyra State Bank Mo.	23.76	14.86	124,112	2.37	57.30
129	Citizens State Bank Miles, Texas	23.74	14.56	72,233	1.74	58.01
130	Shelby Savings Bank SSB Center, Texas	23.70	24.93	217,665	2.29	54.15
131	Bitterroot Valley Bank Lolo, Mont.	23.67	21.07	200,927	1.90	54.87
132	Mediapolis Savings Bank Iowa	23.60	25.41	126,529	1.85	39.57
133	Security Bank and Trust Co. Paris, Tenn.	23.59	25.91	164,842	2.19	46.57
134	Heartland State Bank Redfield, S.D.	23.43	-16.44	56,615	1.90	63.09
135	Basile State Bank La.	23.39	24.34	48,219	2.19	64.91
136	First Madison Valley Bank Ennis, Mont.	23.35	25.02	124,637	1.67	75.30
137	Citizens National Bank of Paris Ill.	23.25	11.49	248,921	2.06	47.43
138	Union Bank and Trust Co. Livingston, Tenn.	23.23	21.60	78,082	2.49	44.70
139	Western Commerce Bank Carlsbad, N.M.	23.22	24.06	311,816	2.28	55.00
140	Riverside Bank Sparkman, Ark.	23.16	26.76	54,708	1.77	51.52
141	First State Bank Abernathy, Texas	23.13	13.26	23,223	2.19	67.38
142	Town and Country Bank of Quincy Ill.	23.07	21.37	113,119	2.36	45.84
143	Peoples State Bank Summit, S.D.	23.06	8.09	46,041	2.07	47.02
144	Lamar Bank and Trust Co. Mo.	23.05	27.95	110,697	2.23	54.23
145	Excel National Bank Beverly Hills	23.03	-9.83	226,695	1.62	51.84
146	Sundown State Bank Texas	23.00	26.29	122,235	1.68	56.79
147	Bank Northwest Hamilton, Mo.	22.99	29.97	90,401	1.89	49.56
148	Main Street Bank Kingwood, Texas	22.96	6.69	427,226	2.38	37.31
149	First United Bank Dimmitt, Texas	22.92	21.56	849,610	2.08	50.92
150	Bank of Prague Neb.	22.88	14.69	17,874	4.32	32.07
	Wyoming Bank and Trust Cheyenne	22.88	17.59	96,410	2.55	76.47
152	Petersburg State Bank Neb.	22.85	21.32	29,573	1.91	55.41
153	Regional Missouri Bank Marceline	22.81	-15.73	108,813	1.94	51.07
154	First State Bank Huntsville, Texas	22.79	22.46	140,880	2.37	44.60
155	Farmers Savings Bank Colesburg, Iowa	22.77	22.73	120,539	1.75	47.23
156	First National Bank of Hughes Springs Texas	22.68	24.41	169,659	2.41	52.73
157	Security State Bank Sutherland, Iowa	22.67	17.80	68,788	2.23	47.50
	Community First Bank Butler, Mo.	22.67	19.49	113,243	2.03	46.67
159	Vermilion Bank and Trust Co. Kaplan, La.	22.65	29.14	90,886	2.03	59.65
160	First National Bank in Graham Texas	22.64	28.66	211,543	2.06	55.25
161	Bank of Commerce Chouteau, Okla.	22.62	24.63	32,974	1.98	67.49
162	Marion County State Bank Pella, Iowa	22.58	27.39	210,180	1.91	38.05
163	First Bank of Chandler Okla.	22.57	29.17	67,148	2.23	49.15
	Coastal Commerce Bank Houma, La.	22.57	21.90	345,779	1.66	54.63
165	Viking State Bank and Trust Decorah, Iowa	22.54	22.66	97,578	2.17	45.27
	Marseilles Bank Ill.	22.54	20.91	36,293	2.04	58.63
167	First National Bank of Central Texas Waco	22.46	25.82	454,808	1.86	55.17
168	State Bank of Kimball Minn.	22.43	20.93	67,766	2.07	53.57
	Neighborhood National Bank San Diego	22.43	16.17	142,989	1.68	67.31
170	First State Bank of Brownsboro Texas	22.39	19.03	86,738	1.86	63.91
171	Bank of Bartlett Tenn.	22.29	4.65	427,598	1.39	87.69
172	Cowboy Bank of Texas Maypearl	22.25	22.04	39,563	2.10	63.37
173	Farmers and Merchants Bank Crescent, Okla.	22.19	10.28	127,175	2.10	60.76
174	Evans Bank Hamburg, N.Y.	22.16	10.50	601,323	1.64	52.42
175	Pioneer Bank and Trust Belle Fourche, S.D.	22.15	21.44	367,454	2.34	47.67
176	First Financial Bank El Dorado, Ark.	22.13	24.52	637,487	1.97	61.04
177	Northwoods State Bank Mason City, Iowa	22.10	23.98	132,211	1.71	52.45
178	Roxbury Bank Kan.	22.09	30.52	18,822	1.86	66.54
179	Oak Creek Valley Bank Valparaiso, Neb.	22.04	9.15	55,933	2.27	36.52
180	First National Bank of the North Sandstone, Minn.	22.03	2.63	63,688	1.95	59.74
181	First Whitney Bank and Trust Atlantic, Iowa	22.01	26.00	135,301	2.31	34.85
182	Peotone Bank and Trust Co. Ill.	21.89	22.83	141,523	1.14	103.47
183	City Bank of Hartford Ala.	21.87	13.71	52,803	2.00	67.96
	American State Bank Osceola, Iowa	21.87	23.52	110,007	1.69	63.04
185	Clinton State Bank Minn.	21.85	24.93	60,724	2.92	33.00
186	Great Plains National Bank Belfield, N.D.	21.83	19.07	102,321	1.97	49.66
187	Security State Bank of Fergus Falls Minn.	21.78	24.85	121,111	1.82	73.46
188	Premier Bank Rock Valley, Iowa	21.74	22.44	187,457	2.18	36.83
189	Clare Bank Platteville, Wis.	21.68	20.10	231,414	1.94	41.22
190	Texas Bank Henderson	21.62	24.68	201,553	1.55	58.80
191	Bank of Kremlin Okla.	21.58	14.70	204,630	2.10	50.58
	Metz Banking Co. Nevada, Mo.	21.58	13.05	58,659	2.05	54.57
193	Great Plains National Bank Elk City, Okla.	21.57	29.70	324,373	1.93	59.17
194	Kress National Bank Texas	21.55	26.86	34,772	2.44	53.00
195	Bank of Milton Wis.	21.50	12.20	63,761	1.92	58.90
196	First National Bank in Cimarron Kan.	21.49	28.16	67,385	1.83	66.55
197	Bank of DeSoto Texas	21.48	22.47	155,276	1.97	56.37
198	First National Bank of Oneida Tenn.	21.47	21.46	202,477	2.14	49.43
199	Farmers State Bank Allen, Okla.	21.35	26.03	37,647	2.15	56.67
200	Centinel Bank of Taos N.M.	21.34	22.15	160,045	1.66	65.28

Note: List includes 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 were less than half of assets or whose credit card loans exceeded 25% of gross loans. Thrifts are also excluded. List includes independent banks that were operating as of December 11, 2009. Figures for prior periods are not adjusted for mergers and acquisitions.

Source:

SNL Financial