Community Banks with Largest Portfolios of Home Equity Loans

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Community Banks with Largest Portfolios of Home Equity Loans

Community Banks* with the Largest Portfolios of Home Equity LoansOn June 30, 2004. Dollars in thousands
Published October 20, 2004

Rank   June 30, 2004 Year earlier Change Assets
1 Yadkin Valley Bank and Trust Co. Elkin, N.C. $82,318 $47,943 71.70% $874,059
2 Lexington State Bank N.C. 81,591 67,489 20.90 899,376
3 Woronoco Savings Bank Westfield, Mass. 80,578 80,991 -0.51 881,909
4 National Bank of Indianapolis 80,300 72,319 11.04 847,426
5 Placer Sierra Bank Auburn, Calif. 79,757 62,296 28.03 986,317
6 Ozaukee Bank Cedarburg, Wis. 71,111 55,880 27.26 585,440
7 Northwestern Savings Bank and Trust Co. Traverse City, Mich. 71,100 47,088 50.99 577,723
8 NLSB Plainfield, Ill. 70,333 56,932 23.54 982,743
9 FNB Southeast Reidsville, N.C. 68,791 61,452 11.94 786,053
10 Norway Savings Bank Maine 68,057 44,037 54.55 655,445
11 Commonwealth Bank and Trust Co. Louisville 66,626 73,182 -8.96 489,103
12 Kennebunk Savings Bank Maine 65,659 38,159 72.07 613,818
13 Macon Bank Franklin, N.C. 62,281 48,682 27.93 782,336
14 Lorain National Bank Ohio 61,835 54,219 14.05 757,513
15 Newtown Savings Bank Conn. 61,546 48,414 27.12 601,294
16 FSG Bank Chattanooga, Tenn. 60,667 25,809 135.06 657,790
17 Founders Bank Worth, Ill. 59,952 44,577 34.49 728,257
18 Capital Bank Raleigh 59,724 48,266 23.74 884,951
19 Suburban Bank of Barrington Ill. 59,085 32,633 81.06 266,306
20 First National Bank of Damariscotta Maine 58,857 42,784 37.57 611,739
21 Peoples Bank Newton, N.C. 58,045 52,044 11.53 684,270
22 Bridgehampton National Bank N.Y. 54,546 43,986 24.01 557,512
23 Centennial Bank West Fort Collins, Colo. 53,975 43,152 25.08 691,115
24 First Bank and Trust Evanston, Ill. 53,964 52,283 3.22 344,228
25 River City Bank Sacramento 53,365 35,012 52.42 725,300
26 Mercantile National Bank of Indiana Hammond 53,071 44,458 19.37 780,587
27 Bank of Tampa 53,038 46,259 14.65 695,994
28 First Mutual Bank Bellevue, Wash. 52,481 21,991 138.65 962,657
29 Great Lakes Bank Blue Island, Ill. 52,433 46,707 12.26 686,295
30 Bank of Newport R.I. 52,381 43,980 19.10 922,821
31 First County Bank Stamford, Conn. 51,804 37,067 39.76 936,420
32 Leesport Bank Wyomissing, Pa. 50,218 34,157 47.02 618,366
33 Hampden Bank Springfield, Mass. 50,058 39,268 27.48 410,306
34 Citrus and Chemical Bank Bartow, Fla. 50,033 47,058 6.32 654,246
35 Bank of Kentucky Crestview Hills 49,773 40,831 21.90 831,783
36 Legacy Bank Pittsfield, Mass. 49,614 38,212 29.84 646,962
37 Salin Bank and Trust Co. Indianapolis 48,614 39,433 23.28 997,936
38 Savings Bank of Danbury Conn. 48,136 35,776 34.55 521,256
39 Glenview State Bank Ill. 48,061 42,734 12.47 889,969
40 Riverside Bank of Gulf Coast Cape Coral, Fla. 47,327 22,749 108.04 323,092
41 Heritage Bank Decatur, Ala. 47,050 29,700 58.42 543,993
42 Rockville Bank South Windsor, Conn. 46,821 29,295 59.83 800,735
43 Farmers and Merchants Bank Granite Quarry N.C. 46,806 42,394 10.41 385,387
44 Cornerstone National Bank and Trust Co. Palatine, Ill. 46,083 28,646 60.87 218,669
45 Heritage Community Bank Glenwood Ill. 45,860 50,485 -9.16 235,240
46 First National Bank of Chester County West Chester, Pa. 45,166 28,526 58.33 756,431
47 Danvers Savings Bank Mass. 45,000 46,297 -2.80 975,906
48 Canandaigua National Bank and Trust Co. N.Y. 44,800 30,891 45.03 914,700
49 Wainwright Bank and Trust Co. Boston 44,759 27,285 64.04 676,809
50 First National Bank and Trust Co. Asheboro, N.C. 44,643 39,756 12.29 651,411
51 American National Bank and Trust Co. Danville, Va. 44,622 39,635 12.58 629,997
52 Northview Bank and Trust Co. Northfield, Ill. 44,249 38,547 14.79 337,910
53 Villa Park Trust and Savings Bank Ill. 44,220 33,278 32.88 260,725
54 First Federal Savings Bamk of Elizabethtown Ky. 44,168 35,824 23.29 689,216
55 Bank of Walnut Creek Calif. 44,047 44,917 -1.94 481,644
56 First South Bank Washington, N.C. 43,557 37,028 17.63 719,204
57 Gorham Savings Bank Maine 43,465 42,327 2.69 575,975
58 Talbot Bank of Easton Maryland 43,325 41,613 4.11 437,730
59 Bank of the Sierra Porterville, Calif. 43,121 27,604 56.21 930,288
60 Alliance Bank Syracuse, N.Y. 43,062 36,450 18.14 857,468
61 Riverside Bank Marietta, Ga. 42,619 29,996 42.08 495,750
62 Aliant Bank Alexander City, Ala. 42,469 40,357 5.23 697,971
63 First Volunteer Bank of Tennessee Chattanooga 42,395 31,686 33.80 441,561
64 Foster Bank Chicago 42,166 34,730 21.41 338,379
65 Farmers and Merchants Bank Clarksville, Tenn. 42,023 35,428 18.62 445,984
66 Paramount Bank Farmington Hills, Mich. 41,995 21,996 90.92 173,389
67 Enterprise Bank and Trust Co. Lowell, Mass. 41,273 32,566 26.74 805,769
68 Alliance Bank New Ulm, Minn. 40,877 29,239 39.80 385,871
69 Carrollton Bank Baltimore 40,652 37,911 7.23 302,971
70 Bar Harbor Banking and Trust Co. Maine 40,023 31,764 26.00 671,222
71 First State Bank of East Detroit Eastpointe, Mich. 39,290 23,702 65.77 734,382
72 Oak Hill Bank Jackson, Ohio 38,739 29,229 32.54 970,296
73 First National Bank of Santa Fe N.M. 38,502 32,508 18.44 452,637
74 Warren Bank Mich. 38,263 31,410 21.82 467,224
75 Community Bank of Southern Indiana New Albany 37,983 29,743 27.70 555,009
76 Eaglebank Bethesda, Md. >37,939 30,492 24.42 >476,739
77 Naugatuck Savings Bank Naugatuck, Conn. 37,044 28,391 30.48 611,132
78 Home Federal Bank Columbus, Ind. 37,002 36,800 0.55 856,044
79 Midwest BankCentre Lemay, Mo. 36,173 20,315 78.06 975,179
80 Palmetto Bank Laurens, S.C. 36,117 21,825 65.48 941,084
81 First Financial Bank Downingtown, Pa. 36,100 32,696 10.41 641,229
82 First State Bank Burlington, N.C. 36,045 28,804 25.14 377,381
83 Waukesha State Bank Wis. 35,963 30,258 18.85 574,300
84 Bank of Granite Granite Falls, N.C. 35,881 22,669 58.28 957,106
85 First State Bank of the Florida Keys Key West 35,770 24,672 44.98 526,350
86 First Hope Bank Hope, N.J. 35,692 27,123 31.59 282,866
87 Barnes Banking Co. Kaysville, Utah 35,466 31,911 11.14 556,641
88 Montecito Bank and Trust Santa Barbara, Calif. 35,052 26,651 31.52 611,008
89 Bank of American Fork Utah 34,760 25,888 34.27 521,871
90 Pinnacle National Bank Nashville 34,207 19,113 78.97 585,841
91 Lebanon-Citizens National Bank Lebanon, Ohio 33,984 27,031 25.72 497,647
92 First Northern Bank of Dixon Calif. 33,895 24,556 38.03 586,229
93 PeoplesBank Holyoke, Mass. 33,689 30,177 11.64 950,120
94 First Farmers and Merchants Bank of Columbia Tenn. 33,634 22,619 48.70 833,738
95 Lakeside Bank Chicago 33,387 28,494 17.17 556,458
96 National Bank and Trust Co. Wilmington, Ohio 33,345 26,347 26.56 649,207
97 First North West Bank Arlington Heights, Ill. 33,290 26,153 27.29 236,037
98 Community Bank and Trust Co. Wolfeboro, N.H. 33,001 25,631 28.75 429,547
99 Florence Savings Bank Mass. 32,938 28,006 17.61 776,768
100 Horizon Bank Michigan City, Ind. 32,934 20,790 58.41 804,785
101 Capitalbank Greenwood, S.C. 32,867 22,755 44.44 531,658
102 Community Bank of Oak Park River Forest Oak Park, Ill. 32,549 25,442 27.93 189,941
103 Connecticut Community Bank Westport 32,548 10,349 214.50 256,830
104 Sterling State Bank Austin, Minn. 32,450 27,344 18.67 276,239
105 Prosperity Bank St. Augustine, Fla. 32,080 19,577 63.87 633,227
106 CNB National Bank Lake City, Fla. 32,048 20,912 53.25 847,355
107 Mid Carolina Bank Burlington, N.C. 32,004 24,351 31.43 252,589
108 Ulster Savings Bank Kingston, N.Y. 31,833 23,639 34.66 563,436
109 Sturgis Bank and Trust Co. Mich. 31,698 21,757 45.69 313,405
110 Labe Bank Chicago 31,343 NA NA 396,909
111 Asheville Savings Bank N.C. 31,205 25,265 23.51 528,446
112 Home State Bank Loveland, Colo. 31,171 27,475 13.45 392,995
113 Centra Bank Morgantown, W.Va. 31,090 17,472 77.94 398,882
114 EFS Bank Elgin, Ill. 31,067 24,509 26.76 946,935
115 First Banking Center ofBurlington Wis. 30,887 26,245 17.69 564,173
116 Merchants Bank Winona, Minn. 30,847 21,869 41.05 467,704
117 Greenville First Bank S.C. 30,737 21,743 41.37 273,093
118 Cambridge Bank Lake Zurich, Ill. 30,663 21,464 42.86 277,201
119 Bank of Elmwood Racine, Wis. 30,439 24,769 22.89 238,875
120 Hawaii National Bank Honolulu 30,392 29,631 2.57 445,098
121 Rainier Pacific Savings Bank Fife, Wash. 30,369 32,808 -7.43 759,183
122 North Easton Savings Bank North Easton, Mass. 30,122 25,459 18.32 393,874
123 Bank of Waukegan Ill. 30,094 28,771 4.60 663,448
124 Voyager Bank Eden Prairie, Minn. 30,089 21,853 37.69 471,254
125 Union National Community Bank Mount Joy, Pa. 30,088 22,453 34.00 372,389
126 Palos Bank and Trust Co. Palos Heights, Ill. 29,800 26,542 12.27 415,314
127 Leader Bank Arlington, Mass. 29,661 12,622 134.99 122,874
128 Private Bank Minneapolis 29,476 25,488 15.65 126,487
129 Newmil Bank New Milford, Conn. 29,297 24,565 19.26 730,830
130 Bank of Blue Valley Overland Park, Kan. 29,258 21,452 36.39 77,983
131 Bridge Bank San Jose 29,253 11,866 146.53 29,253
132 Abington Savings Bank Jenkintown, Pa. 29,107 28,940 0.58 263,948
133 Park Bank Madison 29,102 20,476 42.13 101,299
134 Laconia Savings Bank N.H. 29,086 21,966 32.41 203,047
135 First National Bank of Hudson Woodbury, Minn. 29,028 18,514 56.79 121,459
136 Park Bank Milwaukee 28,810 24,122 19.43 50,654
137 First Bank of Highland Park Ill. 28,757 17,593 63.46 64,210
138 Maritime Savings Bank West Allis, Wis. 28,734 25,667 11.95 168,950
139 Central Bank Stillwater, Minn. 28,729 21,767 31.98 57,347
140 Androscoggin Savings Bank Lewiston, Maine 28,692 27,855 3.00 151,149
141 Kentucky Bank Paris 28,626 25,173 13.72 159,942
142 Bryn Mawr Trust Co. Pa. 28,612 28,608 0.01 227,603
143 Greater Community Bank Totowa, N.J. 28,592 23,366 22.37 90,496
144 Crescent State Bank Cary, N.C. 28,497 16,233 75.55 57,504
145 Northfield Savings Bank Vt. 28,322 22,574 25.46 220,859
146 South Coastal Bank Rockland, Mass. 28,084 14,865 88.93 118,920
147 Community Bank Glen Ellyn, Ill. 27,944 26,800 4.27 47,047
148 Marco Community Bank Marco Island, Fla. 27,941 NA NA 36,179
149 Citywide Banks Aurora Colo. 27,936 23,839 17.19 50,726
150 Bank of the Cascades Bend, Ore. 27,859 22,870 21.81 58,624

*Independent banks with less than $1 billion of assets or whose holding companies have less than $1 billion of assets. Excluded are those at which loans constituted less than half of assets and whose credit card loans exceeded 25% of gross loans.

Source: Highline Banking Data Services (877-305-6657)
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