Community Banks with Largest Portfolios of Home Equity Loans

December 21, 2006, 12:00 a.m. EST 1 Min Read

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Community Banks with the Largest Portfolios of Home Equity LoansOn June 30, 2006. Dollars in thousands Published December 21, 2006
Rank		Home equity loans			Total loans and leases	Assets
Rank		Total	Closed-end	Lines of credit*	Total loans and leases	Assets
1	Leesport Bank Wyomissing, Pa.	$127,699	$128,444	-0.60%	$710,348	$967,189
2	River City Bank Sacramento	126,802	111,780	13.4	480,880	761,810
3	Bryn Mawr Trust Co. Pa.	120,343	124,938	-3.7	646,001	747,749
4	Lexington State Bank N.C.	120,308	118,106	1.9	756,845	985,571
5	Chelsea Groton Savings Bank Norwich, Conn.	117,608	93,057	26.4	481,558	666,316
6	Northwestern Bank Traverse City, Mich.	113,978	118,392	-3.7	608,623	679,361
7	Gorham Savings Bank Maine	107,900	94,934	13.7	517,988	725,459
8	HomeFederal Bank Columbus, Ind.	99,603	83,398	19.4	655,465	862,140
9	National Bank of Indianapolis	99,289	94,722	4.8	711,907	948,558
10	Kennebunk Savings Bank Maine	96,990	91,768	5.7	603,719	711,001
11	Norway Savings Bank Maine	95,981	86,481	11.0	628,070	753,703
12	First National Bank of Chester County West Chester, Pa.	95,115	95,385	-0.3	686,387	870,744
13	Macon Bank Inc. Franklin, N.C.	94,720	89,649	5.7	773,304	948,191
14	Newtown Savings Bank Conn.	93,538	85,053	10.0	607,753	737,395
15	Ozaukee Bank Cedarburg, Wis.	89,651	87,691	2.2	513,908	670,169
16	Riverside Bank of the Gulf Coast Cape Coral, Fla.	88,411	76,150	16.1	428,988	578,141
17	Founders Bank Worth, Ill.	88,206	81,609	8.1	605,745	930,043
18	Commonwealth Bank and Trust Co. Louisville	84,335	83,873	0.6	398,419	526,019
19	First Hope Bank N.J.	83,254	64,149	29.8	250,640	346,321
20	Fidelity Savings Bank Pittsburgh	82,947	67,456	23.0	421,704	722,277
21	Lorain National Bank Ohio	82,693	73,011	13.3	600,936	823,578
22	Bank of Kentucky Inc. Crestview Hills	80,998	78,185	3.6	791,217	955,778
23	Peoples Bank Newton, N.C.	78,583	77,365	1.6	610,671	781,290
24	First Banking Center Burlington, Wis.	76,399	65,606	16.5	563,251	675,171
25	Naugatuck Savings Bank Conn.	76,286	61,627	23.8	540,975	676,658
26	Bank of Tampa	73,311	63,881	14.8	558,452	815,757
27	Alliance Bank Fairfax, Va.	73,027	66,379	10.0	378,473	664,134
28	Abington Savings Bank Jenkintown, Pa.	71,902	63,865	12.6	581,772	894,693
29	Florence Savings Bank Mass.	71,361	55,416	28.8	548,722	889,462
30	Ulster Savings Bank Kingston, N.Y.	70,219	62,701	12.0	462,926	615,364
31	Legacy Banks Pittsfield, Mass.	69,136	58,634	17.9	578,269	771,360
32	First Savings Bank of Perkasie Pa.	65,822	57,228	15.0	545,934	979,490
33	Bank of Walnut Creek Calif.	64,300	67,749	-5.1	442,511	569,927
34	Hampden Bank Springfield, Mass.	64,132	53,958	18.9	321,892	468,842
35	Pioneer Savings Bank Troy, N.Y.	63,263	53,916	17.3	414,833	726,598
36	Tri City National Bank Oak Creek, Wis.	62,169	56,955	9.2	510,268	711,820
37	Peoples Bank Lynden, Wash.	60,698	53,423	13.6	704,211	771,588
38	Farmers and Merchants Bank Granite Quarry, N.C.	60,259	49,842	20.9	463,119	546,499
39	Fidelity Deposit and Discount Bank Dunmore, Pa.	59,983	50,127	19.7	423,694	574,739
40	River Valley State Bank Wausau, Wis.	59,960	47,572	26.0	568,132	718,701
41	Manasquan Savings Bank N.J.	59,935	47,853	25.2	406,148	551,886
42	Greater Community Bank Totowa, N.J.	59,892	35,122	70.5	693,995	877,942
43	Adams County National Bank Gettysburg, Pa.	59,669	51,535	15.8	518,871	944,208
44	Bridgehampton National Bank N.Y.	59,581	61,050	-2.4	311,011	526,026
45	Whidbey Island Bank Coupeville, Wash.	58,131	54,132	7.4	686,975	766,466
46	Bank of St. Petersburg Tampa	58,053	40,944	41.8	321,937	443,530
47	Union National Community Bank Mount Joy, Pa.	57,834	56,086	3.1	324,022	499,562
48	First Bank and Trust Evanston, Ill.	57,215	66,256	-13.6	314,179	366,861
49	Park Bank Madison, Wis.	57,188	49,348	15.9	532,411	595,414
50	Aliant Bank Alexander City, Ala.	57,143	50,041	14.2	667,256	868,074
51	American National Bank and Trust Co. Danville, Va.	56,754	45,514	24.7	552,439	809,265
52	Earthstar Bank Southampton, Pa.	56,615	46,906	20.7	119,535	182,471
53	First National Bank of Hudson Woodbury, Minn.	56,536	55,853	1.2	320,830	383,945
54	Monarch Bank Chesapeake, Va.	56,512	42,938	31.6	297,860	378,482
55	Waukesha State Bank Wis.	55,918	65,372	-14.5	450,854	651,795
56	Atlantic Stewardship Bank Midland Park, N.J.	55,706	50,433	10.5	361,142	491,195
57	First State Bank of East Detroit Eastpointe, Mich.	55,278	62,973	-12.2	448,420	764,575
58	Your Community Bank New Albany, Ind.	55,031	54,865	0.3	531,360	687,132
59	Salin Bank and Trust Co. Indianapolis	54,659	60,050	-9.0	698,510	878,817
60	First Morris Bank and Trust Morristown, N.J.	54,291	46,374	17.1	311,922	571,097
61	Artisans’ Bank Wilmington	54,105	50,348	7.5	453,687	601,151
62	EagleBank Bethesda, Md.	54,005	44,035	22.6	571,838	748,843
63	Talbot Bank of Easton, Maryland	53,278	51,045	4.4	400,250	490,431
64	Reliance Savings Bank Altoona, Pa.	52,828	51,375	2.8	226,918	303,456
65	Great Lakes Bank Blue Island, Ill.	52,695	56,584	-6.9	465,525	726,623
66	Glenview State Bank Ill.	52,619	52,346	0.5	526,781	874,568
67	Greater Buffalo Savings Bank	52,593	50,591	4.0	476,758	866,864
68	Leader Bank Arlington, Mass.	52,168	40,792	27.9	168,178	196,820
69	Savings Bank of Danbury Conn.	52,000	53,824	-3.4	426,427	588,144
70	Citizens First National Bank Princeton, Ill.	51,938	41,400	25.5	581,925	942,329
71	Citrus and Chemical Bank Bartow, Fla.	51,508	55,146	-6.6	435,710	856,611
72	First South Bank Washington, N.C.	51,441	48,183	6.8	759,460	894,059
73	Paramount Bank Farmington Hills, Mich.	51,434	58,592	-12.2	248,837	254,942
74	Community Bank of Bergen County Maywood, N.J.	50,975	44,506	14.5	169,273	247,281
75	Fidelity and Trust Bank Bethesda, Md.	50,628	47,479	6.6	277,293	407,041
76	Easthampton Savings Bank Mass.	50,435	40,065	25.9	511,280	685,063
77	S&C Bank New Richmond, Wis.	50,015	46,968	6.5	299,086	403,305
78	Alliance Bank Syracuse, N.Y.	49,961	51,457	-2.9	684,402	989,037
79	Bar Harbor Bank and Trust Maine	49,941	49,753	0.4	543,731	803,702
80	Bank of North Carolina Thomasville	49,617	42,226	17.5	558,343	665,797
81	Irwin Bank and Trust Co. Pa.	49,427	48,816	1.3	463,319	716,571
82	County National Bank Clearfield, Pa.	49,083	48,550	1.1	532,552	763,136
83	Laconia Savings Bank N.H.	48,906	43,214	13.2	595,698	836,415
84	Northfield Savings Bank Vt.	48,784	44,777	8.9	397,692	533,386
85	Middleburg Bank Va.	48,745	34,128	42.8	557,277	763,447
86	Voyager Bank Eden Prairie, Minn.	48,655	43,599	11.6	424,587	561,704
87	First Volunteer Bank of Tennessee Chattanooga	48,442	53,502	-9.5	373,829	516,603
88	Bank of Clarke County Berryville, Va.	48,293	38,647	25.0	373,570	487,729
89	HomeStar Bank Manteno, Ill.	48,253	46,626	3.5	338,054	463,682
90	Enterprise Bank and Trust Co. Lowell, Mass.	48,166	44,451	8.4	732,766	982,171
91	Cornerstone National Bank and Trust Co. Palatine, Ill.	48,096	58,633	-18.0	263,170	302,009
92	Orrstown Bank Shippensburg, Pa.	47,861	37,670	27.1	497,801	622,537
93	First Federal Savings Bank of Elizabethtown Ky.	46,961	52,760	-11.0	666,006	779,490
94	Byron Bank Byron Center, Mich.	46,685	42,869	8.9	485,994	627,176
95	Androscoggin Savings Bank Lewiston, Maine	46,630	40,154	16.1	436,334	555,623
96	Quakertown National Bank Pa.	46,574	37,014	25.8	332,650	587,369
97	Old Point National Bank of Phoebus Hampton, Va.	46,412	33,412	38.9	549,454	791,310
98	Foster Bank Chicago	46,228	48,794	-5.3	397,227	446,522
99	Isabella Bank and Trust Mount Pleasant, Mich.	45,811	39,503	16.0	412,466	624,951
100	Asheville Savings Bank SSB N.C.	45,155	41,019	10.1	482,842	586,326
101	Dime Bank Norwich, Conn.	45,123	37,110	21.6	449,393	579,536
102	Unity Bank Clinton, N.J.	45,058	43,837	2.8	484,620	669,735
103	Cumberland Bank Franklin, Tenn.	44,788	37,673	18.9	539,091	811,520
104	Fidelity Co-operative Bank Fitchburg, Mass.	44,612	33,826	31.9	258,240	359,261
105	Farmers and Merchants Trust Co. of Chambersburg Pa.	44,363	28,525	55.5	436,887	652,325
106	Baraboo National Bank Wis.	44,326	43,772	1.3	457,040	564,747
107	Montecito Bank and Trust Santa Barbara, Calif.	44,277	41,163	7.6	421,896	728,759
108	Bank of Elmwood Racine, Wis.	44,108	46,261	-4.7	269,106	314,653
109	Nicolet National Bank Green Bay, Wis.	44,094	36,095	22.2	362,929	441,072
110	Savings Bank of Mendocino County Ukiah, Calif.	44,047	38,984	13.0	375,836	724,773
111	First Gaston Bank of North Carolina Gastonia	44,001	23,981	83.5	483,123	726,395
112	Labe Bank Chicago	43,974	35,421	24.1	408,031	558,910
113	Insouth Bank Brownsville, Tenn.	43,892	45,111	-2.7	379,544	511,477
114	CapitalBank Greenwood, S.C.	43,844	43,799	0.1	530,555	673,115
115	Farmers National Bank of Emlenton Pa.	43,825	38,455	14.0	211,833	282,934
116	Private Bank Minnesota Minneapolis	43,286	40,124	7.9	110,328	130,138
117	Citywide Banks Aurora, Colo.	43,274	41,258	4.9	648,765	874,893
118	Arthur State Bank Union, S.C.	43,244	38,670	11.8	449,096	548,996
119	Equitable Bank SSB Wauwatosa, Wis.	43,133	39,820	8.3	539,956	606,684
120	First State Bank Union City, Tenn.	43,103	36,507	18.1	712,593	928,986
121	Royal American Bank Inverness, Ill.	43,032	31,403	37.0	500,620	556,388
122	Heartland Bank and Trust Co. Bloomington, Ill.	42,932	40,802	5.2	754,331	913,302
123	Bank of Bartlett Tenn.	42,913	40,077	7.1	295,415	498,886
124	Hudson Savings Bank Mass.	42,610	42,935	-0.8	487,151	655,947
125	First State Bank of the Florida Keys Key West	42,491	44,965	-5.5	403,973	623,032
126	Penn Security Bank and Trust Co. Scranton, Pa.	42,410	37,125	14.2	335,562	556,350
127	Carrollton Bank Baltimore	42,396	48,920	-13.3	259,277	342,637
128	South Shore Savings Bank Weymouth, Mass.	42,244	34,227	23.4	544,492	888,597
129	Central Bank Stillwater, Minn.	42,231	41,833	1.0	320,085	375,335
130	Centra Bank Inc. Morgantown, W.Va.	42,173	46,374	-9.1	543,754	618,281
131	Bank Independent Sheffield, Ala.	41,996	28,033	49.8	397,828	729,955
132	F&M Bank Clarksville, Tenn.	41,807	46,329	-9.8	404,542	514,202
133	Heritage Community Bank Glenwood, Ill.	41,693	52,291	-20.3	250,500	312,528
134	Ameriserv Financial Bank Johnstown, Pa.	41,605	47,837	-13.0	573,884	878,444
135	Founders Bank and Trust Grand Rapids, Mich.	41,602	39,447	5.5	272,565	332,806
136	Crescent State Bank Cary, N.C.	41,496	38,568	7.6	365,174	470,383
137	American Bank and Trust Co. Davenport, Iowa	41,456	37,265	11.2	342,340	506,952
138	Connecticut Community Bank Westport	41,256	42,977	-4.0	270,436	318,446
139	First National Bank of Shelby N.C.	41,057	38,166	7.6	475,177	837,840
140	Butte Community Bank Chico, Calif.	41,011	22,584	81.6	444,776	517,540
141	Sturgis Bank and Trust Co. Mich.	40,943	40,208	1.8	239,368	305,251
142	Bank of Blue Valley Overland Park, Kan.	40,679	43,591	-6.7	539,560	659,215
143	Access National Bank Chantilly, Va.	40,623	26,881	51.1	456,939	591,105
144	Community Bank-Wheaton/Glen Ellyn Glen Ellyn, Ill.	40,551	32,985	22.9	201,256	266,610
145	Lake Elmo Bank Minn.	40,309	38,601	4.4	202,811	267,911
146	Kitsap Bank Port Orchard, Wash.	40,230	31,654	27.1	536,266	685,204
147	Alliance Bank New Ulm, Minn.	40,097	47,749	-16.0	357,410	407,179
148	First Collinsville Bank Ill.	40,072	31,195	28.5	517,891	604,433
149	Spencer Savings Bank Mass.	40,014	28,994	38.0	244,793	301,102
150	Alerus Financial Grand Forks, N.D.	40,002	36,242	10.4	524,633	712,279

Notes: Independent banks 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 and those whose credit card loans exceeded 25% of gross loans. Home equity loans calculated as sum of home equity lines of credit and closed-end junior liens on 1- to 4-family homes.

Source:

SNL Financial