Community Banks with Highest Return on Average Equity

June 24, 2004, 10:08 a.m. EDT 1 Min Read

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Community Banks with Highest Return on Average Equity
In the first quarter of 2004. Dollars in thousands Published June 24, 2004
Related Table: Leaders in ROE Improvement and in Efficiency
Rank		Return on avg. equity		Assets	Return on avg. assets	Efficiency ratio
Rank		1Q 2004	1Q 2003	Assets	Return on avg. assets	Efficiency ratio
1	First Commercial Bank Seguin, Tex.	103.32%	-4.74%	$76,158	11.56%	26.54%
2	Intertiol City Bank Long Beach, Calif.	69.60	14.36	184,879	8.00	19.42
3	American Interstate Bank Manning, Iowa	63.64	21.02	22,403	8.66	19.04
4	Stearns Bank Arizona Scottsdale	52.54	19.59	98,532	6.44	31.21
5	Community State Bank Milbank, S.D.	50.16	11.44	58,469	6.73	41.23
6	First State Bank Huntsville, Tex.	49.51	18.33	47,059	5.59	45.51
7	Pueblo Bank and Trust Co. Colo.	49.05	41.32	339,879	4.09	49.49
8	Charter Bank Corpus Christi	49.01	39.03	112,626	3.30	53.56
9	Bryant State Bank S.D.	48.54	3.38	18,151	6.45	48.02
10	Connecticut Community Bank Westport	45.68	6.37	234,158	4.81	29.29
11	Broadway Bank Chicago	45.47	45.81	533,242	4.69	21.49
12	First Bank of Delaware Brandywine	43.54	30.28	55,394	7.43	44.63
13	Peoples State Bank Madison Lake Minn.	43.20	7.47	24,997	5.34	32.08
14	Community National Bank Pasco County Zephyrhills, Fla.	40.96	8.39	183,561	2.96	36.79
15	1st Financial Bank Overland Park, Kan.	40.78	-10.72	54,641	4.83	39.12
16	Citizens State Bank of Clara City Minn.	38.15	23.30	163,271	3.16	38.03
17	King Southern Bank Chaplin, Ky.	37.76	23.44	93,144	2.42	49.04
18	State Bank of McGregor Minn.	37.14	33.68	41,255	3.64	35.30
19	White Hall National Bank Ill.	36.98	18.90	43,331	2.50	46.62
20	First-Knox National Bank Mount Vernon, Ohio	36.94	35.92	729,102	1.96	42.30
21	First National Bank of Picayune Miss.	36.63	36.60	153,168	3.08	46.79
22	Bank of Dade Trenton, Ga.	36.26	34.41	80,809	2.47	50.71
23	Brighton Bank Salt Lake City	36.10	40.57	166,725	4.04	47.92
24	State Bank New Prague, Minn.	35.84	37.34	89,086	2.93	42.05
25	Farmers Savings Bank Mineral Point, Wis.	35.75	30.14	144,672	2.89	44.23
26	National Republic Bank Chicago	35.08	56.79	463,658	3.76	20.97
	Security First National Bank of Hugo Okla.	35.08	39.69	81,670	2.48	43.43
28	Security Bank of South West Missouri Cassville	34.98	29.15	57,048	3.46	43.87
29	Southern Horizon Bank Leary, Ga.	34.93	56.18	16,851	3.39	74.35
30	Douglas County Bank Douglasville, Ga.	34.89	31.34	222,336	3.33	41.06
31	Elysian Bank Minn.	34.61	35.21	32,900	3.56	29.02
32	Riverside Bank Sparkman, Ark.	34.50	23.56	42,512	2.62	50.95
33	Peak National Bank Nederland, Colo.	34.38	38.22	197,705	2.88	53.64
34	Transcapital Bank Hallandale, Fla.	34.34	31.12	126,390	4.49	24.25
35	Murphy Bank Fresno	34.32	38.05	97,561	3.98	38.29
36	Farmers and Merchants Bank Kendall, Wis.	34.28	32.79	32,078	2.94	45.43
37	First National Bank Heavener, Okla.	34.00	20.87	68,035	2.60	45.14
38	State Savings Bank Creston, Iowa	33.89	-2.05	30,822	2.83	54.52
39	First State Bank of Thermopolis Wyo.	33.87	22.26	49,039	2.79	43.57
40	Bank of Bloomsdale Mo.	33.81	43.33	145,075	2.67	37.74
41	Farmers and Merchants State Bank Pierz, Minn.	33.64	27.52	148,611	3.14	31.02
42	First National Bank Fabens, Tex.	33.46	34.34	201,692	2.53	44.42
43	Jackson State Bank and Trust Wyo.	33.28	38.89	588,093	2.86	39.04
44	State Bank Tower, Minn.	33.26	23.87	42,663	2.50	61.23
45	State Bank Texas Irving	33.18	30.40	157,306	3.14	40.89
46	First Credit Bank Los Angeles	33.12	23.84	364,548	5.11	20.48
47	Bank of Hemet Riverside, Calif.	33.04	-5.53	323,325	2.85	46.89
48	Interstate Bank Oak Forest, Ill.	32.98	35.28	168,118	2.42	53.95
49	Community Bank Longview, Tex.	32.74	34.12	58,278	2.25	63.82
50	Arkansas National Bank Bentonville	32.47	31.53	519,013	2.74	53.43
51	FirstBank Antlers, Okla.	32.37	31.58	105,735	2.97	54.70
52	Vermillion State Bank Minn.	32.33	34.69	282,115	3.34	30.70
53	First Kansas Bank and Trust Co. Gardner	32.11	32.51	95,518	2.07	52.31
54	First Community Bank Milton, Wis.	32.02	28.58	61,081	2.30	51.31
55	Taylor County Bank Campbellsville, Ky.	31.79	19.09	113,086	2.86	49.82
56	Commerce Bank Geneva, Minn.	31.58	29.83	82,417	3.48	32.51
57	Peoples Bank Tallassee Ala.	31.38	18.90	77,148	2.60	44.14
58	Monroe County Bank Forsyth, Ga.	31.36	2.76	80,031	2.19	75.83
59	First Citizens Bank of Butte Mont.	31.33	24.68	59,571	2.67	51.85
60	Bank of the Wichitas Snyder, Okla.	31.29	10.05	50,478	2.30	57.68
61	Alamosa National Bank Colo.	31.28	30.16	114,864	2.56	49.75
62	Randall State Bank Minn.	31.26	33.31	29,541	3.26	37.00
63	First National Bank and Trust Pipestone, Minn.	31.23	8.14	120,151	3.75	30.39
64	Bank of the West Thomas, Okla.	31.17	27.77	106,073	2.46	48.84
65	Stearns Bank NA St. Cloud, Minn.	31.06	47.42	845,394	3.90	36.05
66	Bank of the Southwest Roswell, N.M.	30.95	25.47	113,530	2.62	63.41
67	Bank of Buffalo Buffalo, Ky.	30.86	29.32	51,589	3.21	30.53
68	Haverford Trust Co. Radnor, Pa.	30.77	9.06	149,802	2.99	78.02
69	First Valley Bank Seeley Lake, Mont.	30.67	28.25	33,134	2.29	44.40
70	Southwest State Bank Sentinel, Okla.	30.56	10.07	37,513	2.07	55.73
71	Peotone Bank and Trust Co. Ill.	30.55	30.12	107,636	2.19	54.06
72	Wauchula State Bank Fla.	30.53	23.87	385,954	2.42	42.88
73	State Bank of Countryside Ill.	30.52	29.32	774,841	3.04	31.43
74	Bank of Bonifay Fla.	30.44	23.21	131,199	2.62	58.36
75	Great Plains National Bank Elk City, Okla.	30.34	20.36	198,872	2.46	52.92
76	St. Anthony Park Bank St. Paul	30.30	25.78	165,520	2.47	53.95
77	Kirkwood Bank and Trust Co. Bismarck, N.D.	30.21	13.38	94,064	2.44	48.15
78	First Community Bank Savage, Minn.	30.20	34.97	89,713	2.52	41.79
79	Fife Commercial Bank Fife, Wash.	30.06	22.38	66,679	2.48	55.40
80	North Valley Bank Thornton, Colo.	30.02	29.72	94,548	2.36	64.41
81	Bank of Dadeville Ala.	29.89	24.04	80,552	2.15	39.76
82	Hyden Citizens Bank Ky.	29.87	16.30	100,329	2.33	54.51
83	Gulf Coast Bank and Trust Co. New Orleans	29.79	18.03	388,122	2.22	62.85
84	Century National Bank Zanesville, Ohio	29.47	31.95	479,145	1.76	47.91
85	National Bank of Kansas City Leawood, Kan.	29.45	72.43	224,152	4.09	80.92
86	Dairyland State Bank Bruce, Wis.	29.40	25.25	32,049	2.31	58.21
87	First State Bank Watonga, Okla.	29.37	20.39	33,429	3.01	51.90
88	Northpointe Bank Grand Rapids, Mich.	29.27	25.88	201,442	2.80	51.06
	Bank of DeSoto NA Tex.	29.27	29.32	115,845	2.61	50.84
90	First National Bank in Mahnomen Minn.	29.17	8.08	52,541	2.83	63.89
91	Bank Northwest Hamilton, Mo.	29.17	32.51	61,565	2.14	55.48
92	Justin State Bank Tex.	29.13	26.36	55,208	2.97	47.28
93	Ocala National Bank Fla.	29.04	24.09	92,553	2.10	60.49
94	Stockmans Bank Elk Grove, Calif.	29.00	29.34	270,675	2.62	43.76
95	Falcon International Bank Laredo, Tex.	28.93	41.57	321,801	2.70	56.09
96	First National Bank Glen Rose, Tex.	28.80	23.38	45,307	2.93	51.10
97	First National Bank of Mount Vernon Mo.	28.78	3.13	89,263	3.66	45.82
	First Bank and Trust Co. Wagoner, Okla.	28.78	30.65	123,116	2.91	43.48
99	Corydon State Bank Iowa	28.75	32.61	43,031	3.39	23.60
100	Montrosebank Montrose, Colo.	28.66	33.20	101,082	2.52	54.69
101	Farmers Bank Carnegie, Okla.	28.58	25.76	30,451	3.13	45.98
102	First National Bank of Las Animas Colo.	28.55	26.47	135,590	2.42	46.94
103	North Jackson Bank Stevenson, Ala.	28.54	19.40	115,044	2.61	38.72
104	Western Bank St. Paul	28.49	24.73	329,238	2.75	52.85
105	First National Bank of Davis Okla.	28.41	19.43	49,160	2.38	53.04
106	FirstCity Bank Gibson, Ga.	28.38	21.32	71,828	2.27	55.04
107	Union National Bank Elgin, Ill.	28.36	27.00	209,931	2.71	29.70
108	Bank of Mauston Wis.	28.30	30.17	163,450	2.91	47.47
109	Marseilles Bank Ill.	28.28	25.91	29,277	2.59	51.53
110	Meramec Valley Bank Valley Park, Mo.	28.26	11.34	120,516	2.33	61.96
111	First National Banking Co. Ash Flat, Ark.	28.22	22.08	260,727	2.45	55.74
112	Spring Valley Bank Wyoming, Ohio	28.15	15.93	48,425	6.65	19.75
	Western National Bank Odessa, Tex.	28.15	24.82	500,279	2.20	52.98
114	Citizens State Bank Clearwater, Neb.	28.10	19.42	14,969	2.53	50.00
115	Kansas State Bank Manhattan	28.04	23.28	380,599	2.09	43.88
116	Bank of Coweta Newnan, Ga.	28.03	24.77	354,954	2.10	38.26
117	First Bank of Chandler Okla.	28.00	23.27	58,035	2.87	42.14
118	Grand Marais State Bank Minn.	27.99	25.01	65,509	2.12	53.15
119	Siwooganock Bank Lancaster, N.H.	27.93	4.77	79,721	2.61	78.60
120	Peoples State Bank Cherryvale, Kan.	27.84	15.67	13,851	5.66	39.93
121	First National Bank and Trust St. John, Kan.	27.78	12.59	47,416	3.77	64.58
122	GreatBank Algonquin, Ill.	27.74	13.57	274,783	1.73	60.39
123	North Community Bank Chicago	27.72	38.47	380,003	2.04	56.40
124	First National Bank of Coffee County Douglas, Ga.	27.69	14.90	113,080	2.23	51.68
	First National Bank Sallisaw, Okla.	27.69	27.21	176,709	2.11	52.16
126	Wemple State Bank Waverly, Ill.	27.68	24.10	37,798	2.38	45.88
127	First National Bank of Sarcoxie Mo.	27.67	24.92	25,143	2.98	49.05
128	American Interstate Bank Elkhorn, Neb.	27.65	27.92	81,476	2.09	32.05
129	Inter National Bank McAllen, Tex.	27.52	25.89	756,671	1.98	43.93
130	First State Bank Forrest, Ill.	27.51	30.04	50,133	2.71	39.11
131	Iowa State Bank Des Moines	27.41	24.89	231,376	2.84	46.52
	Nebraska State Bank Oshkosh	27.41	18.70	28,984	2.61	53.05
133	First State Bank Shelton, Neb.	27.41	24.74	36,105	2.92	38.59
134	Chetopa State Bank and Trust Co. Kan.	27.40	27.45	26,562	1.97	53.67
135	First State Bank of Kansas City Kan.	27.38	18.49	83,324	2.06	55.43
136	Bank of Tucson	27.33	29.36	159,920	1.99	44.81
137	First National Bank of Walker Minn.	27.32	23.05	225,893	2.37	49.89
138	Quail Creek Bank Oklahoma City	27.26	25.81	269,324	2.62	45.46
139	First National Bank of Hudson Woodbury, Minn.	27.18	31.51	329,511	2.76	57.22
140	Community National Bank Sarasota County Venice, Fla.	27.16	25.45	99,092	2.07	56.97
141	Evabank Eva, Ala.	27.10	14.62	162,422	2.22	32.84
	Security Bank Pawnee, Okla.	27.10	26.89	222,030	2.40	34.91
143	Citizens Bank Fort Valley, Ga.	27.04	27.42	104,857	2.08	40.43
144	Farmers Exchange Bank Cherokee, Okla.	26.99	21.25	100,488	2.06	53.33
145	Bankwest Rockford, Minn.	26.97	28.55	94,770	2.31	61.03
146	Diamond State Bank Murfreesboro, Ark.	26.95	23.86	185,461	2.21	53.93
147	Citizens National Bank of Wisner Neb.	26.93	20.58	33,930	2.50	51.67
148	United Bank of Iowa Ida Grove	26.90	24.14	404,293	2.28	44.69
149	Williamsburg National Bank Ky.	26.87	29.51	65,124	2.42	51.78
150	American National Bank Omaha	26.84	30.30	997,562	2.15	47.89

*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)