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Community Banks with Highest Returns on Average Assets

April 08, 2011, 5:45 p.m. EDT 1 Min Read
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Community Banks with Highest Returns on Average Assets

Community Banks with Highest Returns on Average AssetsOn Dec. 31, 2010. Dollars in thousands
Published April 8, 2011
Rank   Return on avg. assets Assets Return on avg. equity Efficiency ratio
4Q 2010 4Q 2009
1 Continental Bank Salt Lake City 10.36% 5.04% $102,183 66.53% 19.95%
2 Triumph Savings Bank SSB Dallas 9.00 -1.43 253,999 87.48 23.96
3 White Rock Bank Cannon Falls, Minn. 6.98 -2.90 143,542 132.64 26.61
4 Pilsen State Bank Lincolnville Kan. 6.71 -4.07 11,798 73.40 36.09
5 First Credit Bank Los Angeles 5.05 4.43 481,618 22.45 14.43
6 Benchmark Bank Plano, Texas 4.59 2.95 367,764 49.34 61.68
7 Live Oak Banking Co. Wilmington, N.C. 4.51 1.80 245,335 51.48 52.78
8 Peoples State Bank Cherryvale, Kan. 4.43 2.57 17,687 18.82 39.84
9 First Citizens Bank Luverne, Ala. 3.81 0.09 222,845 35.36 36.85
10 Corydon State Bank Iowa 3.63 3.07 72,769 22.65 21.03
11 Texas Bank Brownwood 3.56 2.92 292,022 29.68 50.17
12 Marlin Business Bank Salt Lake City 3.52 2.86 123,809 22.75 39.92
13 Goodfield State Bank Ill. 3.38 1.34 70,753 32.03 40.22
14 Roundbank Waseca, Minn. 3.34 0.98 312,592 34.53 38.11
15 Crown Bank Brick, N.J. 3.21 3.06 525,455 26.90 41.96
16 Peoples Community Bank Greenville, Mo. 3.17 3.01 98,601 17.14 45.08
State Bank of Texas Dallas 3.17 4.22 662,484 22.35 24.18
18 Level One Bank Farmington Hills, Mich. 3.12 -1.23 424,913 27.92 43.88
19 Sentry Bank St. Joseph, Minn. 3.11 1.74 153,868 24.10 35.99
Spring Valley Bank Wyoming, Ohio 3.11 3.47 67,916 8.56 34.07
21 Ruby Valley National Bank Twin Bridges, Mont. 3.04 2.00 75,128 23.15 46.89
22 Citizens State Bank of Clayton Wis. 3.01 2.34 97,322 39.26 47.15
23 Bank of Buffalo Ky. 2.94 3.23 67,003 31.96 32.89
24 Bank The Oberlin, Kan. 2.88 2.43 185,133 28.78 36.71
25 Riverside Bank Sparkman, Ark. 2.80 2.20 57,261 35.28 47.43
26 Home State Bank Louisville, Neb. 2.77 1.91 80,453 25.42 47.89
27 Crestmark Bank Troy, Mich. 2.74 1.51 256,194 22.94 63.47
28 Farmers and Merchants State Bank Plankinton, S.D. 2.71 2.19 71,408 27.08 42.43
29 Peoples Community State Bank Doniphan, Mo. 2.70 2.57 128,279 20.54 45.65
30 Farmers and Merchants Bank of Kendall Wis. 2.68 2.26 55,950 25.14 38.78
31 Brunswick State Bank Neb. 2.67 1.78 75,187 28.70 45.12
32 Charter Bank Corpus Christi, Texas 2.66 2.36 158,936 32.39 57.25
33 First American Bank Stonewall, Okla. 2.65 2.47 22,640 25.10 54.49
Premier Bank Rock Valley, Iowa 2.65 2.06 220,760 26.03 33.96
35 First State Bank of Colfax Iowa 2.63 2.35 65,465 18.65 27.57
36 Leader Bank Arlington, Mass. 2.58 1.40 365,735 25.55 38.38
37 First Financial Bank El Dorado, Ark. 2.57 1.90 726,447 28.02 53.89
Solon State Bank Iowa 2.57 2.50 85,901 13.29 40.60
39 Fidelity Bank Edina, Minn. 2.55 2.02 373,899 14.44 41.86
40 Bank of Bloomsdale Mo. 2.53 2.52 186,004 26.35 39.43
Deutsche Bank Trust Co. Delaware Wilmington 2.53 2.32 420,363 4.30 31.87
Heritage State Bank Lawrenceville, Ill. 2.53 1.80 74,962 30.97 51.75
Senath State Bank Mo. 2.53 2.53 61,913 16.55 52.64
44 Farmers Trust and Savings Bank Williamsburg, Iowa 2.49 2.06 124,516 12.46 44.78
Security State Bank Sutherland, Iowa 2.49 2.14 75,006 30.47 43.53
46 Bank of Montgomery La. 2.46 1.89 164,765 30.48 55.16
Brush Country Bank Freer, Texas 2.46 2.26 40,785 25.76 55.94
New Era Bank Fredericktown, Mo. 2.46 2.21 283,077 20.98 38.70
Wells Bank of Platte City Mo. 2.46 2.25 86,909 32.87 48.27
50 First Bank of Berne Ind. 2.45 2.20 425,770 25.19 46.34
First Bank Upper Michigan Gladstone 2.45 2.55 164,487 15.71 49.51
52 Bank of Mauston Wis. 2.44 1.75 237,201 22.64 42.39
Mainland Bank Texas City 2.44 1.96 96,626 28.76 57.84
Peoples State Bank Blair, Okla. 2.44 2.12 15,645 23.09 64.62
USNY Bank Geneva, N.Y. 2.44 -2.04 85,760 26.02 62.40
56 Pioneer Trust Bank Salem, Ore. 2.43 2.43 283,825 16.27 34.84
57 Bank of Baker Mont. 2.41 2.50 112,010 27.89 38.53
First National Bank Fort Pierre, S.D. 2.41 2.15 653,027 12.31 38.13
59 Bank of Advance Mo. 2.40 2.15 239,634 15.20 46.89
Pinnacle Bank Sioux City Iowa 2.40 1.61 63,603 21.14 45.48
61 Lusk State Bank Wyo. 2.39 2.23 43,539 25.95 53.03
62 Yellowstone Bank Laurel, Mont. 2.38 1.75 427,576 13.74 41.14
63 Lamar Bank and Trust Co. Mo. 2.36 2.23 121,134 24.94 49.95
Northern State Bank Ashland, Wis. 2.36 1.39 222,831 30.00 63.31
65 Cowboy Bank of Texas Maypearl 2.34 1.91 43,080 24.46 60.88
First Whitney Bank and Trust Atlantic, Iowa 2.34 2.24 154,290 20.82 37.36
67 First National Bank Fabens, Texas 2.33 2.49 306,613 29.94 47.76
68 Peoples Bank Paris, Texas 2.32 2.09 111,389 25.94 65.06
69 Citizens State Bank Okemah, Okla. 2.31 1.89 171,881 27.40 37.59
First National Bank of Kinmundy Ill. 2.31 1.65 33,895 18.79 46.99
FirstBank Antlers, Okla. 2.31 1.98 208,317 27.87 62.72
Southwest National Bank Wichita, Kan. 2.31 2.14 357,123 25.83 52.58
73 City Savings Bank and Trust Co. De Ridder, La. 2.30 2.28 186,884 19.62 58.27
74 Bank of Union El Reno, Okla. 2.29 -0.33 341,182 25.18 44.21
Commercial Capital Bank Delhi, La. 2.29 1.71 40,312 19.82 57.50
76 Bank of the West El Paso, Texas 2.28 1.91 880,986 26.49 48.80
77 Bank Northwest Hamilton, Mo. 2.26 2.01 102,789 26.79 50.37
First National Bank Sallisaw Okla. 2.26 1.57 206,645 14.56 51.64
Haverford Trust Co. Radnor, Pa. 2.26 1.11 105,493 14.40 87.22
Nebraska State Bank Oshkosh 2.26 1.97 44,796 24.99 56.23
State Bank of New Richland Minn. 2.26 2.48 88,503 25.96 45.90
Vermillion State Bank Minn. 2.26 2.38 478,997 18.34 27.36
Western Commerce Bank Carlsbad, N.M. 2.26 2.27 331,650 23.09 56.81
84 Abbeville Building and Loan La. 2.25 2.35 40,799 8.57 53.81
Community Bank Longview, Texas 2.25 2.03 128,795 32.13 55.96
Frontier Bank Lamar, Colo. 2.25 1.28 186,542 17.53 49.27
87 Eclipse Bank Inc. Louisville, Ky. 2.24 -1.84 133,326 25.07 93.66
Morris State Bank Okla. 2.24 1.73 61,920 25.55 54.33
Union Bank and Trust Co. Livingston, Tenn. 2.24 2.31 81,307 22.09 48.67
90 Citizens State Bank of Cheney Kan. 2.23 2.13 46,368 16.73 48.81
Clinton State Bank Minn. 2.23 2.23 67,766 16.84 44.66
92 American Interstate Bank Elkhorn, Neb. 2.22 1.47 113,469 27.17 40.14
American State Bank Sioux Center, Iowa 2.22 1.46 528,503 22.03 40.68
Bank of Ohio County Inc. Beaver Dam, Ky. 2.22 1.87 93,177 13.50 45.25
First State Bank of Porter Okla. 2.22 2.21 34,774 16.06 65.66
96 Brazos National Bank Richwood, Texas 2.21 0.20 25,278 12.27 81.90
Citizens National Bank of Wills Point Texas 2.21 2.22 88,969 19.31 50.92
Citizens State Bank Corrigan, Texas 2.21 1.91 101,831 20.38 54.51
Purdum State Bank Neb. 2.21 1.17 19,834 17.21 72.39
Security State Bank Ansley, Neb. 2.21 2.62 94,593 26.19 65.29
101 Citizens Bank of Las Cruces N.M. 2.20 2.44 370,772 23.75 54.57
Paducah Bank and Trust Co. Ky. 2.20 2.08 520,134 21.27 55.63
103 Community First Bank Butler, Mo. 2.19 1.67 160,089 25.51 52.01
Farmers and Merchants State Bank of Pierz Minn. 2.19 1.52 168,350 24.44 43.46
Payne County Bank Perkins, Okla. 2.19 1.89 118,441 12.47 56.96
106 Iowa Trust and Savings Bank Centerville 2.18 1.59 157,877 18.87 51.14
La Farge State Bank Wis. 2.18 2.10 49,103 7.01 28.02
Waggoner National Bank of Vernon Texas 2.18 2.08 226,493 15.35 46.94
109 Alton Bank Mo. 2.17 1.16 51,252 12.10 48.40
Viking State Bank and Trust Decorah, Iowa 2.17 2.10 104,447 21.12 41.68
West Town Savings Bank Cicero, Ill. 2.17 -5.39 110,542 24.28 82.61
112 Farmers Bank Carnegie, Okla. 2.16 2.33 52,105 22.61 59.57
Farmers State Bank of Adams Minn. 2.16 2.04 76,754 17.76 44.15
Peoples State Bank Summit, S.D. 2.16 2.11 47,700 21.96 45.73
Security Bank and Trust Co. Paris, Tenn. 2.16 1.99 161,199 23.74 48.58
WoodTrust Bank Wisconsin Rapids 2.16 1.66 322,633 20.11 58.60
117 Central State Bank Clayton, Ill. 2.15 1.58 87,386 15.71 50.58
Wilburton State Bank Okla. 2.15 2.18 61,096 25.74 54.24
119 Citizens Bank Carthage, Tenn. 2.14 1.82 505,806 13.44 27.78
Cumberland Security Bank Somerset, Ky. 2.14 1.96 159,597 17.29 51.64
MontroseBank Colo. 2.14 2.42 208,477 21.13 51.93
122 Pender State Bank Neb. 2.13 1.60 130,286 15.10 45.58
123 Bank of the Wichitas Snyder, Okla. 2.12 2.60 122,979 22.05 59.58
Union Bank of Mena Ark. 2.12 2.08 168,905 23.26 59.56
125 Garden City State Bank Kan. 2.11 1.31 61,381 16.97 56.03
Heartland Bank Somers, Iowa 2.11 2.15 97,691 15.23 54.49
Oklahoma State Bank Buffalo 2.11 2.37 47,996 28.66 59.38
St. Ansgar State Bank Iowa 2.11 -0.10 100,669 16.61 45.98
129 Great Plains National Bank Elk City, Okla. 2.10 1.38 351,220 23.26 61.42
130 Bank of Hemet Riverside, Calif. 2.09 1.52 444,531 20.43 49.22
Security Bank of Southwest Missouri Cassville 2.09 1.12 67,897 20.35 59.33
132 Landmands Bank Audubon, Iowa 2.08 1.63 57,015 19.11 61.02
Marion County State Bank Pella, Iowa 2.08 1.86 218,747 21.76 40.05
State Bank of Wynnewood Okla. 2.08 2.33 63,970 16.00 55.23
135 Prairie State Bank and Trust Mount Zion, Ill. 2.07 1.55 552,892 23.29 51.90
Sargent County Bank Forman, N.D. 2.07 2.17 86,717 15.52 39.19
137 Bank of DeSoto Texas 2.06 1.75 158,239 21.41 55.60
Citizens First National Bank Storm Lake, Iowa 2.06 2.03 194,276 18.46 45.97
139 Brighton Bank Salt Lake City 2.05 1.79 142,930 14.85 61.59
Centinel Bank of Taos N.M. 2.05 1.38 165,004 23.90 64.01
Liberty State Bank Powers Lake, N.D. 2.05 1.85 47,979 23.03 43.54
Quail Creek Bank Oklahoma City 2.05 2.29 458,966 23.54 43.69
143 Bank of Galesville Wis. 2.04 2.11 84,627 15.60 54.09
Chillicothe State Bank Mo. 2.04 1.46 110,907 23.35 47.06
Five Points Bank Grand Island, Neb. 2.04 1.43 618,405 19.46 48.53
Maynard Savings Bank Iowa 2.04 1.90 47,357 15.06 45.34
147 Bank of Deerfield Wis. 2.03 1.68 91,447 16.32 53.02
Central National Bank of Poteau Okla. 2.03 2.15 207,272 22.16 56.18
First Trust and Savings Bank of Albany Ill. 2.03 1.82 125,999 15.00 43.13
Tensas State Bank Newellton, La. 2.03 1.81 120,582 19.08 55.04
151 Bank of England Ark. 2.02 1.59 213,864 20.71 79.28
Bank of Morton Miss. 2.02 1.81 57,640 17.78 57.66
California First National Bank Irvine 2.02 2.31 322,682 8.29 30.09
Commerce National Bank Corinth, Miss. 2.02 2.05 85,006 16.41 48.30
Home Bank of California San Diego 2.02 2.02 146,659 19.82 46.90
Pony Express Bank Liberty, Mo. 2.02 1.63 130,810 15.30 44.70
Shell Lake State Bank Wis. 2.02 1.91 132,850 10.93 44.63
Ultima Bank Minnesota Winger 2.02 0.94 100,276 20.51 51.61
159 American Trust Bank Kirksville, Mo. 2.01 -1.20 40,473 21.86 73.18
First Bank of Okarche Okla. 2.01 2.17 57,254 13.24 47.10
161 Bank of Alma Wis. 2.00 1.00 197,507 6.16 18.55
Citizens Bank Abilene, Texas 2.00 1.92 82,520 15.28 58.61
Murphy Bank Fresno, Calif. 2.00 1.93 115,509 14.00 44.72
164 Citizens State Bank Miles, Texas 1.99 1.57 77,020 26.49 54.75
Farmers Bank Hardinsburg, Ky. 1.99 1.75 96,868 9.30 45.73
First Security Bank-Sleepy Eye Minn. 1.99 0.05 155,902 18.85 62.44
Lone Star State Bank Texas 1.99 2.08 36,704 27.75 45.34
168 Commerce Bank of Arizona Tucson 1.98 0.07 270,491 20.81 46.04
Heartland Community Bank Bryant, Ark. 1.98 1.59 162,438 16.76 50.48
West Texas State Bank Odessa 1.98 2.21 270,662 17.21 62.44
171 Grand Marais State Bank Minn. 1.97 1.90 68,785 22.83 60.31
HNB National Bank Hannibal, Mo. 1.97 NA 326,129 21.49 57.43
River Bank Stoddard, Wis. 1.97 1.49 390,898 17.44 42.45
Sabine State Bank and Trust Co. Many, La. 1.97 0.88 685,483 26.26 61.15
175 Clarkson Bank Neb. 1.96 1.99 53,521 16.01 52.64
St. Martin Bank and Trust Co. St. Martinville, La. 1.96 2.29 323,728 16.33 59.88
177 Bank of Rantoul Ill. 1.95 0.45 195,594 22.93 40.45
First American Bank Artesia, N.M. 1.95 2.13 624,832 23.05 60.85
First Farmers and Merchants National Bank Luverne, Minn. 1.95 1.96 144,767 14.21 61.92
First State Bank of Bedias Texas 1.95 1.68 129,477 18.08 40.58
181 Auburn Banking Co. Ky. 1.94 2.11 64,528 24.53 57.14
Basin State Bank Stanford, Mont. 1.94 2.03 138,943 17.71 53.39
Farmers and Merchants State Bank of Cawker City Kan. 1.94 1.70 16,079 23.26 55.56
First Eagle Bank Hanover Park, Ill. 1.94 -0.88 332,337 14.81 43.15
Houston Community Bank 1.94 1.90 244,879 21.26 57.72
Prime Bank Edmond, Okla. 1.94 0.31 97,664 21.35 51.59
187 Armstrong Bank Muskogee, Okla. 1.93 1.71 555,395 19.06 60.10
Farmers and Merchants Savings Bank Waukon, Iowa 1.93 1.23 118,819 21.29 48.09
State Bank Hoxie, Kan. 1.93 1.86 117,926 19.10 53.71
Volunteer State Bank Portland, Tenn. 1.93 1.34 383,261 23.00 70.47
191 Community First Bank New Iberia, La. 1.92 1.04 231,659 20.96 54.70
First Bank of Chandler Okla. 1.92 2.05 71,302 18.87 50.51
Guaranty Bank and Trust Co. of Delhi La. 1.92 1.71 121,020 19.78 59.01
McFarland State Bank Wis. 1.92 1.61 354,646 19.26 44.22
Security Bank and Trust Co. Maysville, Ky. 1.92 1.91 46,346 8.70 56.62
Shelby Savings Bank SSB Center, Texas 1.92 1.00 226,027 18.93 55.95
197 Bank of St. Elizabeth Mo. 1.91 1.81 100,958 18.26 53.00
Community First Bank of the Heartland Mount Vernon, Ill. 1.91 1.46 85,985 18.45 52.69
First Bank and Trust Co. Wagoner, Okla. 1.91 1.94 245,555 20.28 49.75
Hyperion Bank Philadelphia 1.91 -1.58 90,402 21.19 97.57

Note: Independent banks and thrifts operating as of March 16, 2011, 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.
Source:

SNL Financial
, Charlottesville, Va.
© 2011 American Banker

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