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 Sept. 30, 2004. Dollars in thousands
Published March 1, 2005

Rank   Sept. 30, 2004 Year earlier Change Assets
1 Lexington State Bank N.C. $89,596 $69,402 29.10% $911,223
2 National Bank of Indianapolis 85,911 71,495 20.16 892,666
3 Yadkin Valley Bank and Trust Co. Elkin, N.C. 84,802 51,196 65.64 879,591
4 Woronoco Savings Bank Westfield, Mass. 84,031 80,461 4.44 898,475
5 Northwestern Savings Bank and Trust Co. Traverse City, Mich. 80,207 47,262 69.71 604,060
6 Suburban Bank of Barrington Ill. 77,577 34,774 123.09 269,105
7 Ozaukee Bank Cedarburg, Wis. 73,619 64,011 15.01 593,992
8 FNB Southeast Reidsville, N.C. 72,649 62,957 15.39 845,025
9 Kennebunk Savings Bank Maine 71,638 42,687 67.82 656,321
10 Norway Savings Bank Maine 71,321 48,992 45.58 662,505
11 Commonwealth Bank and Trust Co. Louisville, Ky. 69,710 74,970 -7.02 500,723
12 Founders Bank Worth, Ill. 67,471 47,341 42.52 737,031
13 Macon Bank Franklin, N.C. 65,800 50,555 30.16 787,091
14 Newtown Savings Bank Conn. 64,251 48,926 31.32 615,294
15 First National Bank of Damariscotta Maine 62,473 46,475 34.42 627,867
16 Lorain National Bank Lorain, Ohio 62,350 55,631 12.08 766,943
17 FSGBank Chattanooga, Tenn. 61,662 45,957 34.17 674,259
18 Peoples Bank Newton, N.C. 60,843 53,199 14.37 692,938
19 River City Bank Sacramento, Calif. 59,926 37,250 60.88 765,024
20 Capital Bank Raleigh, N.C. 59,867 53,337 12.24 874,812
21 First Bank and Trust Evanston, Ill. 59,582 51,980 14.62 348,437
22 First County Bank Stamford, Conn. 57,999 38,686 49.92 906,525
23 Bridgehampton National Bank N.Y. 55,188 47,585 15.98 568,634
24 Riverside Bank of Gulf Coast Cape Coral, Fla. 54,868 28,538 92.26 340,332
25 Bank of Tampa 54,864 46,954 16.85 709,070
26 Bank of Kentucky Crestview Hills 54,591 42,614 28.11 852,123
27 Mercantile National Bank of Indiana Hammond 54,441 46,838 16.23 785,696
28 First Mutual Bank Bellevue, Wash. 53,866 21,392 151.80 982,125
29 Great Lakes Bank NA Blue Island, Ill. 52,994 45,071 17.58 697,094
30 Centennial Bank West Fort Collins, Colo. 52,991 49,388 7.30 781,521
31 Bank of Newport R.I. 52,829 44,684 18.23 945,858
32 Hampden Bank Springfield, Mass. 52,803 41,924 25.95 414,036
33 Legacy Bank Pittsfield, Mass. 51,943 41,063 26.50 685,981
34 Rockville Bank South Windsor, Conn. 51,887 30,235 71.61 845,348
35 Heritage Bank Decatur, Ala. 51,801 31,880 62.49 541,654
36 Leesport Bank Wyomissing, Pa. 51,562 39,342 31.06 619,563
37 Savings Bank of Danbury Conn. 51,050 38,904 31.22 510,708
38 Citrus and Chemical Bank Bartow, Fla. 50,958 47,954 6.26 669,392
39 First National Bank of Chester County West Chester, Pa. 49,474 33,554 47.45 825,320
40 Wainwright Bank and Trust Co. Boston 49,226 28,206 74.52 675,201
41 Bank of the Sierra Porterville, Calif. 49,002 33,518 46.20 944,058
42 Cornerstone National Bank and Trust Co. Palatine, Ill. 48,888 32,137 52.12 218,530
43 Farmers and Merchants Bank Granite Quarry, N.C. 48,283 43,834 10.15 400,627
44 Glenview State Bank Ill. 47,898 40,358 18.68 893,286
45 Canandaigua National Bank and Trust Co. Canandaigua, N.Y. 47,738 35,460 34.62 965,009
46 Heritage Community Bank Glenwood, Ill. 47,601 49,904 -4.61 242,803
47 Gorham Savings Bank Maine 47,279 43,848 7.82 593,572
48 Paramount Bank Farmington Hills, Mich. 47,162 26,089 80.77 200,050
49 First National Bank and Trust Co. Asheboro, N.C. 46,040 40,327 14.17 664,791
50 First Federal Savings Bank Elizabethtown, Ky. 45,927 37,371 22.89 701,575
51 Alliance Bank New Ulm, Minn. 45,859 33,495 36.91 392,970
52 Pinnacle National Bank Nashville, Tenn. 45,810 22,863 100.37 684,906
53 Alliance Bank NA Syracuse, N.Y. 45,322 38,247 18.50 882,128
54 Foster Bank Chicago 45,127 35,477 27.20 344,847
55 Talbot Bank of Easton Maryland 44,226 43,907 0.73 433,356
56 First South Bank Washington, N.C. 44,100 37,850 16.51 714,511
57 Bank of Walnut Creek Calif. 43,920 44,341 -0.95 487,458
58 American National Bank and Trust Co. Danville, Va. 43,886 40,986 7.08 622,853
59 Villa Park Trust and Savings Bank Villa Park, Ill. 43,837 34,786 26.02 273,566
60 First Volunteer Bank of Tennessee Chattanooga 43,360 34,100 27.16 448,625
61 Enterprise Bank and Trust Co. Lowell, Mass. 42,793 33,055 29.46 821,512
62 Aliant Bank Alexander City, Ala. 42,558 39,488 7.77 710,955
63 First State Bank East Detroit Eastpointe, Mich. 42,528 27,980 51.99 753,300
64 Bar Harbor Banking and Trust Co. Maine 42,249 31,553 33.90 655,677
65 Farmers and Merchants Bank Clarksville, Tenn. 42,066 37,668 11.68 460,327
66 Riverside Bank Marietta, Ga. 41,485 30,646 35.37 537,611
67 Carrollton Bank Baltimore 40,911 37,664 8.62 303,418
68 Eaglebank Bethesda, Md. 40,287 31,167 29.26 490,343
69 Warren Bank Mich. 39,698 34,482 15.13 508,916
70 Palmetto Bank Laurens, S.C. 39,625 26,225 51.10 965,581
71 Naugatuck Savings Bank Conn. 39,571 30,902 28.05 622,922
72 Midwest BankCentre Lemay, Mo. 39,418 24,869 58.50 974,842
73 Home Federal Bank Columbus, Ind. 39,204 35,520 10.37 873,970
74 Waukesha State Bank Wis. 39,124 31,599 23.81 579,607
75 Community Bank Southern Indiana New Albany 38,614 30,065 28.44 566,359
76 First Hope Bank N.J. 38,119 27,720 37.51 289,783
77 First National Bank of Santa Fe N.M. 37,734 33,188 13.70 447,876
78 Horizon Bank NA Michigan City, Ind. 37,515 22,521 66.58 814,487
79 First Farmers and Merchants National Bank Columbia, Tenn. 37,506 23,961 56.53 845,548
80 First State Bank Burlington, N.C. 37,211 29,374 26.68 375,123
81 First Financial Bank Downingtown, Pa. 37,100 31,938 16.16 642,260
82 Connecticut Community Bank Westport 37,060 11,467 223.19 254,226
83 First Northern Bank of Dixon Calif. 36,788 25,561 43.92 598,309
84 PeoplesBank Holyoke, Mass. 36,701 30,563 20.08 987,219
85 First State Bank of the Florida Keys Key West 36,645 28,395 29.05 534,635
86 Montecito Bank and Trust Santa Barbara, Calif. 36,619 27,202 34.62 609,624
87 First Northwest Bank Arlington Heights, Ill. 36,377 30,167 20.59 267,479
88 Peoples Bank Lynden, Wash. 36,290 23,518 54.31 582,463
89 Marco Community Bank Marco Island, Fla. 36,235 1,282 2726.44 99,863
90 Barnes Banking Co. Kaysville, Utah 36,086 31,857 13.27 582,412
91 Capitalbank Greenwood, S.C. 35,546 23,364 52.14 542,115
92 Community Bank and Trust Co. Wolfeboro, N.H. 35,508 30,619 15.97 433,232
93 Bank of American Fork Utah 35,285 28,597 23.39 529,380
94 Prosperity Bank St. Augustine, Fla. 35,238 24,705 42.64 654,342
95 Centra Bank Morgantown, W.Va. 34,871 20,100 73.49 435,682
96 Lebanon-Citizens National Bank Ohio 34,412 28,715 19.84 513,511
97 Sturgis Bank and Trust Mich. 34,121 25,389 34.39 311,599
98 Mid Carolina Bank Burlington, N.C. 33,968 26,333 28.99 279,159
99 Merchants Bank NA Winona, Minn. 33,964 23,534 44.32 479,550
100 Lakeside Bank Chicago 33,915 30,358 11.72 566,633
101 Community Bank of Oak Park River Forest Oak Park, Ill. 33,829 25,337 33.52 195,948
102 National Bank and Trust Co. Wilmington, Ohio 33,590 28,984 15.89 644,704
103 Bank of Bartlett Tenn. 33,489 27,040 23.85 412,191
104 Voyager Bank Eden Prairie, Minn. 33,347 23,110 44.30 490,084
105 Ulster Savings Bank Kingston, N.Y. 33,306 24,658 35.07 567,047
106 Asheville Savings Bank N.C. 32,982 25,837 27.65 542,063
107 Florence Savings Bank Mass. 32,960 28,556 15.42 795,792
108 Sterling State Bank Austin, Minn. 32,910 27,605 19.22 267,552
109 1st Security Bank of Washington Lynnwood 32,765 NA NA 273,139
110 Greenville First Bank Greenville, S.C. 32,539 22,634 43.76 292,786
111 Park Bank Madison, Wis. 32,531 23,663 37.48 408,314
112 Bank of Elmwood Racine, Wis. 32,444 26,008 24.75 238,905
113 Leader Bank Arlington, Mass. 32,368 18,201 77.84 131,986
114 Central Bank Stillwater, Minn. 32,203 23,071 39.58 293,562
115 EFS Bank Elgin, Ill. 32,152 25,586 25.66 996,486
116 Palos Bank and Trust Co. Palos Heights, Ill. 31,921 27,245 17.16 416,310
117 First Banking Center of Burlington Wis. 31,712 27,429 15.61 578,226
118 Union National Community Bank Mount Joy, Pa. 31,660 24,783 27.75 382,904
119 Monarch Bank Chesapeake, Va. 31,447 18,498 70.00 216,500
120 North Easton Savings Bank Mass. 31,258 25,054 24.76 396,081
121 First National Bank of Hudson Woodbury, Minn. 31,252 19,855 57.40 348,224
122 Park Bank Milwaukee 31,158 24,717 26.06 601,933
123 Patriot National Bank Stamford, Conn. 31,139 26,655 16.82 368,467
124 Hawaii National Bank Honolulu 31,078 29,022 7.08 444,867
125 Bank of Blue Valley Overland Park, Kan. 31,019 23,703 30.87 651,507
126 Labe Bank Chicago 30,732 NA NA 412,894
127 Bank of Waukegan Ill. 30,710 28,444 7.97 634,268
128 Rainier Pacific Savings Bank Fife, Wash. 30,688 33,788 -9.17 745,490
129 Bank of North Carolina Thomasville 30,649 21,699 41.25 484,107
130 Cambridge Bank Lake Zurich, Ill. 30,633 24,510 24.98 279,377
131 Laconia Savings Bank N.H. 30,624 22,150 38.26 796,149
132 Maritime Savings Bank West Allis, Wis. 30,487 26,172 16.49 304,817
133 Crescent State Bank Cary, N.C. 30,363 20,347 49.23 330,988
134 Cumberland Bank Franklin, Tenn. 30,248 18,333 64.99 644,766
135 Bryn Mawr Trust Co. Pa. 30,235 29,910 1.09 655,321
136 Abington Savings Bank Jenkintown, Pa. 30,201 27,722 8.94 657,744
137 Newmil Bank New Milford, Conn. 30,180 26,005 16.05 730,523
138 Home State Bank Loveland, Colo. 30,163 28,360 6.36 398,140
139 Kentucky Bank Paris 30,110 25,600 17.62 506,474
140 Androscoggin Savings Bank Lewiston, Maine 30,101 27,638 8.91 472,367
141 Private Bank of Minnesota Minneapolis 29,912 26,377 13.40 123,839
142 Somerset Hills Bank Bernardsville, N.J. 29,621 24,837 19.26 187,385
143 S&C Bank New Richmond, Wis. 29,420 13,891 111.79 368,518
144 American Bank North Nashwauk, Minn. 29,419 19,229 52.99 411,170
145 Byron Center State Bank Mich. 29,368 17,143 71.31 521,040
146 Highland Bank St. Michael, Minn. 29,285 22,393 30.78 409,639
147 South Coastal Bank Rockland, Mass. 29,147 22,722 28.28 268,599
148 Northfield Savings Bank Vt. 28,995 24,457 18.56 477,963
149 First Bank of Highland Park Ill. 28,983 20,463 41.64 701,124
150 Bridge Bank San Jose, Calif. 28,853 14,504 98.93 384,561

*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)
© 2005 American Banker