Community Banks with Highest Returns on Assets

Published November 01, 2005, 10:08 a.m. EST

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

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Community Banks with Highest Returns on Assets

Community Banks with Highest Returns on Assets
2Q 2005. Dollars in thousands
		Return on avg. assets			Return on avg. equity	Efficiency ratio
Rank		2Q '05	2Q '04	Assets	Return on avg. equity	Efficiency ratio
1	Bryant State Bank S.D.	10.89%	7.32%	$18,326	67.20%	49.49%
2	Citizens National Bank Evans City, Pa.	9.64	0.86	471,298	100.06	32.59
3	Community State Bank Milbank, S.D.	6.94	6.4	86,139	30.64	55.43
4	First Bank of Delaware Brandywine	6.93	7.11	66,071	35.65	40.95
5	Bank of St. Edward Neb.	6.57	4.52	34,323	29.2	19.49
6	Philadelphia Trust Co.	5.57	6.46	28,125	15.37	65.77
7	First Credit Bank Los Angeles	5.55	4.08	317,131	27.4	14.13
8	Peoples State Bank Cherryvale, Kan.	5.38	5	15,303	25.14	36.98
9	Spring Valley Bank Wyoming, Ohio	4.61	5.45	56,458	16.72	21.85
10	Citizens State Bank Petersburg, Ind.	4.59	1.81	121,060	48.35	26.03
11	1st Bank Sidney, Mont.	4.56	1.55	51,169	35.03	48.87
12	Miami Valley Bank Quincy, Ohio	4.54	2.81	136,919	42.16	29.75
13	Broadway Bank Chicago	4.32	4.77	670,665	39.1	15.79
14	National Republic Bank of Chicago	4.29	3.82	503,007	33.72	22.75
15	Jasper State Bank Minn.	4.26	1.35	16,526	34.25	47.79
16	Pueblo Bank and Trust Co. Colo.	4.25	4.09	363,294	43.76	47.1
17	Union National Bank Elgin, Ill.	4.07	3.04	318,970	38.91	18.65
18	Farmers and Merchants Bank of Hill City Kan.	3.93	2.07	34,684	37.18	45.99
19	First Bank and Trust Co. of Illinois Palatine	3.91	1.39	497,101	28.59	36.07
20	Transcapital Bank Hallandale, Fla.	3.86	3.89	171,051	30.03	22.86
21	First Coleman National Bank Tex.	3.84	2.57	64,292	35.9	40.23
22	Yellowstone Bank Laurel, Mont.	3.73	3.77	313,603	23.28	32.93
23	Heritage Bank SSB Dallas	3.71	0	102,512	14.94	47.92
24	Drummond Community Bank Chiefland, Fla.	3.7	3.14	139,848	28.49	43.57
25	Justin State Bank Tex.	3.6	3.17	57,759	33.01	42.66
26	Vermillion State Bank Minn.	3.56	3.3	309,064	33.45	26.39
27	Commerce Bank Geneva, Minn.	3.55	3.14	127,068	34.51	30.1
28	Elysian Bank Minn.	3.54	3.38	32,237	34.77	31.25
	Southern Horizon Bank Leary, Ga.	3.54	4.03	19,430	35.96	69.46
30	Senath State Bank Mo.	3.53	3.26	45,043	24.78	42.72
31	Pan American Bank Chicago	3.49	1.69	31,152	27	64.09
32	Five Star Bank Rocklin, Calif.	3.48	1.9	213,010	28.94	32.79
33	State Bank of Texas Irving	3.47	3.22	210,022	29.9	31.06
34	First National Bank Fabens, Tex.	3.46	2.55	196,317	41.56	34.43
35	Delaware Trust Co. Wilmington	3.43	.NA	364,622	3.52	9.6
36	First Bank of Okarche Okla.	3.41	3.3	41,909	19.12	34.99
	Security Bank of South West Missouri Cassville	3.41	3.33	61,021	36.49	44.39
38	Moorhead State Bank Iowa	3.35	2.63	13,564	17.83	33.43
	Plains Commerce Bank Hoven, S.D.	3.35	2.09	247,476	22.25	48.01
40	Murphy Bank Fresno, Calif.	3.34	3.96	98,650	25.6	41.14
41	Smith River Community Bank Martinsville, Va.	3.28	-0.71	64,839	39.29	69.47
42	State Bank of McGregor Minn.	3.27	3.56	46,250	37.14	39.77
43	Gunnison Valley Bank Utah	3.26	2.78	53,294	27.41	35.11
44	Ruby Valley National Bank Twin Bridges, Mont.	3.24	2.83	57,777	28.16	51.05
	Peoples State Bank De Smet, S.D.	3.24	2.94	53,290	19.67	37.67
46	Farmers and Merchants Bank Kendall, Wis.	3.22	2.93	34,149	38.35	43.49
47	State Bank of Countryside Ill.	3.21	3	999,519	35.3	28.2
48	Riverside Bank Sparkman, Ark.	3.2	2.86	49,121	41.79	48.83
	Corydon State Bank Iowa	3.2	3.2	46,497	25.37	23.37
50	Randall State Bank Minn.	3.19	3.42	33,818	32.69	37.86
51	Vermont State Bank Ill.	3.18	3.72	7,319	24.63	39.64
	Inter National Bank McAllen, Tex.	3.18	1.88	988,098	38.98	36.51
53	First National Bank of Fairfax Minn.	3.17	2.92	23,186	9.11	36.1
54	County Bank Rehoboth Beach, Del.	3.15	2.37	298,551	30.68	45.21
55	First Bank and Trust Co. Wagoner, Okla.	3.14	3.01	143,273	35.75	39.56
	Charter Bank Corpus Christi, Tex.	3.14	3.23	122,938	51.84	53.79
57	Lindell Bank and Trust Co. St Louis	3.13	2.87	283,471	19.26	35.58
58	Farmers and Merchants State Bank Pierz, Minn.	3.12	3.11	151,852	34.31	31.78
	Investorsbank Pewaukee, Wis.	3.12	1.75	273,447	37.46	27.82
60	American Bank of Lake City Minn.	3.11	2.46	77,467	20.22	42.7
	First National Bank of Picayune Miss.	3.11	3.03	160,640	37.32	45.15
62	Farmers and Merchants Bank and Trust Co. Breaux Bridge, La.	3.1	3.17	185,984	30.14	41.73
	Reliabank Dakota Estelline, S.D.	3.1	1.9	102,466	30.33	52.03
64	Territory Bank Muskogee, Okla.	3.08	2.22	6,990	34.44	89.03
65	Merchants and Farmers Bank Comer, Ga.	3.03	2.98	123,822	29.65	52.39
66	Farmers State Bank Hosmer, S.D.	3.01	1.42	14,861	13.38	48.74
	First National Bank of Olney Tex.	3.01	2.17	43,691	26.68	42.09
68	Farmers National Bank of Seymour Tex.	3	2.18	58,170	29.45	45.75
69	Clinton State Bank Minn.	2.98	2.75	59,375	25.79	25.81
70	The Bank Oberlin, Kan.	2.97	1.98	146,290	28.27	42.04
	University National Bank of Lawrence Kan.	2.97	3.57	103,986	26.25	45.57
72	First Bank of Chandler Okla.	2.96	2.9	63,137	29.8	41.65
	Peoples Community Bank Greenville, Mo.	2.96	2.7	68,775	20.75	50.44
74	Bank of Buffalo Ky.	2.95	3.18	51,473	29.97	31.47
	Citizens State Bank of Cheney Kan.	2.95	2.9	37,615	22.97	47.96
	Farmers Bank Ault, Colo.	2.95	2.41	103,793	25.17	40.08

Note: Independent banks with less than $1 billion in 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 (877-305-6657)
© 2005 American Banker