Community Banks with Highest Returns on Equity

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Community Banks with Highest Returns on Equity

Community Banks with Highest Returns on Equity
2Q 2005. Dollars in thousands
    Return on avg. equity   Return on avg. assets Efficiency ratio
Rank   2Q '05 2Q '04 Assets
1 Citizens National Bank Evans City, Pa. 100.06% 10.15% $471,298 9.64% 32.59%
2 Bryant State Bank S.D. 67.2 52.67 18,326 10.89 49.49
3 Charter Bank Corpus Christi, Tex. 51.84 49.61 122,938 3.14 53.79
4 Citizens State Bank Petersburg, Ind. 48.35 15.85 121,060 4.59 26.03
5 Pueblo Bank and Trust Co. Colo. 43.76 47.36 363,294 4.25 47.1
6 Miami Valley Bank Quincy, Ohio 42.16 28.19 136,919 4.54 29.75
7 Riverside Bank Sparkman, Ark. 41.79 37.54 49,121 3.2 48.83
8 First National Bank Fabens, Tex. 41.56 33.75 196,317 3.46 34.43
9 First National Bank Heavener, Okla. 39.47 31.67 79,704 2.88 41.51
10 Smith River Community Bank Martinsville, Va. 39.29 -9.64 64,839 3.28 69.47
11 Bank Northwest Hamilton, Mo. 39.18 35.9 69,167 2.83 42.57
12 Broadway Bank Chicago 39.1 46.47 670,665 4.32 15.79
13 United Security Bank Sparta, Ga. 38.98 26.34 96,505 2.81 40.64
14 Inter National Bank McAllen, Tex. 38.98 24.79 988,098 3.18 36.51
15 Union National Bank Elgin, Ill. 38.91 32.47 318,970 4.07 18.65
16 Farmers and Merchants Bank Kendall, Wis. 38.35 33.86 34,149 3.22 43.49
17 State Bank of New Richland Minn. 37.77 23.8 49,501 2.74 39.8
18 State Bank New Prague, Minn. 37.62 38.41 100,066 2.86 39.8
19 Investorsbank Pewaukee, Wis. 37.46 19.17 273,447 3.12 27.82
20 First National Bank of Picayune Miss. 37.32 37.07 160,640 3.11 45.15
21 Farmers and Merchants Bank of Hill City Kan. 37.18 20.54 34,684 3.93 45.99
22 State Bank of McGregor Minn. 37.14 37.55 46,250 3.27 39.77
23 Bank of Dade Trenton, Ga. 36.95 37.45 77,079 2.39 51.19
24 Security Bank of South West Missouri Cassville 36.49 34.69 61,021 3.41 44.39
25 Peotone Bank and Trust Co. Ill. 36.41 29.22 117,720 2.58 52.61
26 Southern Horizon Bank Leary, Ga. 35.96 41.28 19,430 3.54 69.46
27 First Coleman National Bank Tex. 35.9 24.82 64,292 3.84 40.23
28 First Bank and Trust Co. Wagoner, Okla. 35.75 30.35 143,273 3.14 39.56
29 First Bank of Delaware Brandywine 35.65 39.39 66,071 6.93 40.95
30 State Bank of Countryside Ill. 35.3 30.69 999,519 3.21 28.2
31 Interstate Bank Oak Forest, Ill. 35.06 32.95 174,312 2.67 55.64
32 1st Bank Sidney, Mont. 35.03 12.04 51,169 4.56 48.87
33 Security First National Bank of Hugo Okla. 34.99 32.97 90,983 2.38 38.44
34 First National Bank and Trust Fort Walton Beach, Fla. 34.9 19.5 443,672 2.78 56.51
35 Community Bank Longview, Tex. 34.9 32.01 62,627 2.51 62.37
36 Elysian Bank Minn. 34.77 33.44 32,237 3.54 31.25
37 Commerce Bank Geneva, Minn. 34.51 28.01 127,068 3.55 30.1
38 Territory Bank Muskogee, Okla. 34.44 16.79 6,990 3.08 89.03
39 Farmers and Merchants State Bank Pierz, Minn. 34.31 35 151,852 3.12 31.78
40 Jasper State Bank Minn. 34.25 13.62 16,526 4.26 47.79
41 National Republic Bank of Chicago 33.72 35.84 503,007 4.29 22.75
42 Hernando County Bank Brooksville, Fla. 33.6 26.45 59,857 2.25 63.09
43 Vermillion State Bank Minn. 33.45 32.17 309,064 3.56 26.39
44 Community National Bank of Sarasota County Venice, Fla. 33.3 27.06 105,134 2.63 50.74
45 Bank of Bloomsdale Mo. 33.21 34.59 150,167 2.51 37.8
46 North Valley Bank Thornton, Colo. 33.2 31.56 107,800 2.5 59.08
47 Great Plains National Bank Elk City, Okla. 33.12 30.66 235,078 2.66 52.82
48 Rural American Bank – Luck Wis. 33.08 23.31 58,798 2.54 49.42
49 Justin State Bank Tex. 33.01 29.75 57,759 3.6 42.66
50 First Valley Bank 33 31.36 41,152 2.35 40.84
51 Security State Bank Howard Lake, Minn. 32.95 19.39 87,049 2.59 42.84
52 Peak National Bank Nederland, Colo. 32.7 39.99 183,026 2.9 56.8
53 Randall State Bank Minn. 32.69 34.1 33,818 3.19 37.86
54 First Bank Burkburnett, Tex. 32.64 26.27 151,762 2.46 58.61
55 Douglas County Bank Douglasville, Ga. 32.62 33.35 314,352 2.68 44.37
56 Missouri Bank and Trust Co. Kansas City 32.29 20.85 250,308 2.44 51.96
57 Community Bank Missoula 32.01 24.63 67,030 2.84 49.97
58 Citizens State Bank of Clara City Minn. 31.98 37.9 161,310 2.57 40.02
59 Stockmans Bank 31.94 28.5 324,084 2.77 36.99
60 Bank of Inverness Fla. 31.8 29.46 231,683 2.42 52.57
61 Bank/First Citizens Bank Cleveland, Tenn. 31.73 25.41 433,924 2.49 49.68
62 Coffee County Bank Manchester, Tenn. 31.66 28 89,485 2.59 43.63
63 State Bank of South West Missouri Springfield 31.51 25.45 82,039 2.02 56.28
64 King Southern Bank Chaplin, Ky. 31.5 34.3 128,087 2.05 49.64
65 Peoples Bank of Louisiana Amite 31.43 26.15 84,008 2.25 56.44
66 Nebraska State Bank Oshkosh 31.35 27.22 32,198 2.84 53.39
67 Citizens Bank of Las Cruces N.M. 31.26 25.65 287,106 2.21 57.98
68 Bank of Hemet Riverside, Calif. 31.21 30.9 377,565 2.64 44.92
69 Sterling Bank Lantana, Fla. 31.21 21.02 278,145 2.53 47.17
70 First Security Bank Beaver, Okla. 31.07 23.47 73,546 1.84 44.37
71 First State Bank Louise, Tex. 30.93 25.24 135,039 2.43 58.04
72 First Bank and Trust Broken Bow, Okla. 30.83 25.46 88,164 2.87 48.2
73 First National Bank of Coffee County Douglas, Ga. 30.78 26.34 123,846 2.53 52.14
74 Bank of Baker Mont. 30.72 21.32 55,954 2.75 37.99
75 County Bank Rehoboth Beach, Del. 30.68 26.37 298,551 3.15 45.21


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