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 Largest Portfolios of Home Equity LoansOn December 31, 2007. Dollars in thousands
Published April 10, 2008

Rank   Home equity loans Year earlier Change Total loans and leases
Total Closed-end Line of credit*
1 Chelsea Groton Savings Bank Norwich, Conn. $136,431 $122,962 $13,469 $122,663 11.2% $519,265
2 River City Bank Sacramento 132,920 92,468 40,452 140,843 -5.6 504,760
3 Northwestern Bank Traverse City, Mich. 132,681 45,660 87,021 115,301 15.1 636,662
4 Norway Savings Bank Maine 111,922 16,987 94,935 100,643 11.2 729,951
5 Indiana Bank and Trust Co. Columbus, Ind. 109,035 66,590 42,445 107,012 1.9 749,845
6 Gorham Savings Bank Maine 104,051 52,249 51,802 108,817 -4.4 577,470
7 Newtown Savings Bank Conn. 101,233 38,737 62,496 98,994 2.3 701,850
8 Harleysville Savings Bank Pa. 97,495 75,294 22,201 99,244 -1.8 430,938
9 Legacy Banks Pittsfield, Mass. 94,337 37,072 57,265 73,300 28.7 659,198
10 First National Bank of Chester County West Chester, Pa. 93,220 39,997 53,223 93,790 -0.6 743,440
11 Naugatuck Savings Bank Conn. 92,841 48,850 43,991 80,487 15.3 586,156
12 First Banking Center Burlington, Wis. 92,661 66,893 25,768 81,919 13.1 667,264
13 Kennebunk Savings Bank Maine 91,693 24,240 67,453 100,315 -8.6 621,256
14 Riverside Bank of the Gulf Coast Cape Coral, Fla. 88,397 4,917 83,480 87,021 1.6 403,606
15 Peoples Bank Newton, N.C. 85,140 5,823 79,317 76,367 11.5 722,277
16 Florence Savings Bank Mass. 80,373 45,369 35,004 77,032 4.3 642,843
17 Commonwealth Bank and Trust Co. Louisville 78,874 10,021 68,853 83,610 -5.7 471,521
18 Peoples Bank Lynden, Wash. 76,128 40,972 35,156 66,444 14.6 834,765
19 First Hope Bank Hope, N.J. 75,431 32,460 42,971 77,356 -2.5 270,351
20 Bank of Tampa 75,227 3,565 71,662 74,441 1.1 628,496
21 Tri City National Bank Oak Creek, Wis. 74,072 50,087 23,985 64,934 14.1 586,278
22 Founders Bank Worth, Ill. 74,038 13,603 60,435 83,037 -10.8 641,154
23 Union National Community Bank Lancaster, Pa. 72,661 49,759 22,902 66,122 9.9 364,337
24 Adams County National Bank Gettysburg, Pa. 71,134 23,836 47,298 64,591 10.1 548,202
25 Orrstown Bank Shippensburg, Pa. 69,082 40,477 28,605 55,587 24.3 700,500
26 Talbot Bank of Easton Maryland 68,714 26,145 42,569 55,161 24.6 461,250
27 Atlantic Stewardship Bank Midland Park, N.J. 68,489 39,102 29,387 56,292 21.7 420,146
28 Monarch Bank Chesapeake, Va. 68,110 2,531 65,579 59,770 14.0 419,211
29 Fidelity Deposit and Discount Bank Dunmore, Pa. 66,714 56,593 10,121 60,598 10.1 426,290
30 Farmers and Merchants Bank Granite Quarry, N.C. 65,446 4,258 61,188 63,845 2.5 525,062
31 Laconia Savings Bank N.H. 65,347 13,184 52,163 56,807 15.0 624,268
32 Pioneer Bank Troy, N.Y. 65,066 41,998 23,068 66,172 -1.7 449,555
33 Ulster Savings Bank Kingston, N.Y. 64,648 42,644 22,004 67,203 -3.8 499,091
34 Merchants Bank Winona, Minn. 64,452 15,942 48,510 37,905 70.0 537,640
35 Farmers and Merchants Trust Co. of Chambersburg Pa. 64,221 45,665 18,556 55,194 16.4 571,617
36 River Valley Bank Wausau, Wis. 64,007 27,496 36,511 63,009 1.6 688,878
37 PeoplesBank, a Codorus Valley Co. York, Pa. 63,204 28,459 34,745 42,804 47.7 447,455
38 CNB Bank Clearfield, Pa. 62,592 31,870 30,722 50,634 23.6 593,120
39 Middleburg Bank Va. 62,537 14,496 48,041 49,273 26.9 645,786
40 Whidbey Island Bank Oak Harbor, Wash. 61,968 24,717 37,251 59,889 3.5 805,862
41 Aliant Bank Alexander City, Ala. 61,904 4,096 57,808 54,233 14.1 708,854
42 Park Bank Madison 61,631 22,176 39,455 61,555 0.1 595,660
43 Manasquan Savings Bank N.J. 61,417 36,419 24,998 61,914 -0.8 444,253
44 Community FirstBank of Charleston S.C. 61,290 12,054 49,236 34,909 75.6 364,387
45 HomeStar Bank Manteno, Ill. 60,994 28,975 32,019 57,430 6.2 350,850
46 Bridgehampton National Bank N.Y. 60,938 1,442 59,496 62,687 -2.8 375,236
47 Easthampton Savings Bank Mass. 60,039 39,661 20,378 56,374 6.5 564,305
48 First Bank and Trust Evanston, Ill. 59,670 3,821 55,849 54,469 9.5 361,495
49 EVB Tappahannock, Va. 59,320 24,981 34,339 42,321 40.2 708,817
50 EagleBank Bethesda, Md. 59,283 861 58,422 50,893 16.5 714,785
51 Byron Bank Byron Center, Mich. 59,244 22,415 36,829 48,813 21.4 582,296
52 Bank of St. Petersburg Tampa 59,233 1,594 57,639 60,878 -2.7 429,025
53 Leader Bank Arlington, Mass. 58,988 11,363 47,625 55,494 6.3 181,334
54 New Peoples Bank Honaker, Va. 58,632 52,997 5,635 44,069 33.0 683,757
55 Your Community Bank New Albany, Ind. 58,527 15,211 43,316 60,472 -3.2 537,129
56 Hampden Bank Springfield, Mass. 57,972 0 57,972 63,171 -8.2 347,736
57 Artisans’ Bank Wilmington 57,323 40,175 17,148 60,763 -5.7 433,567
58 Isabella Bank Mount Pleasant, Mich. 56,669 37,489 19,180 45,816 23.7 612,687
59 Kitsap Bank Port Orchard, Wash. 56,643 26,741 29,902 44,330 27.8 652,142
60 Glenview State Bank Glenview, Ill. 55,688 7,190 48,498 50,606 10.0 558,075
61 Florida Capital Bank Tarpon Springs 55,306 20,141 35,165 49,131 12.6 637,961
62 Foster Bank Chicago 55,300 10,983 44,317 43,795 26.3 481,233
63 Waukesha State Bank Wis. 55,176 22,666 32,510 53,818 2.5 508,812
64 American National Bank and Trust Co. Danville, Va. 55,101 6,788 48,313 58,659 -6.1 551,391
65 Unity Bank Clinton, N.J. 54,893 36,122 18,771 50,395 8.9 565,492
66 Great Lakes Bank Blue Island, Ill. 54,600 3,833 50,767 54,612 0.0 491,508
67 Reliance Savings Bank Altoona, Pa. 54,581 36,197 18,384 53,641 1.8 238,464
68 Spencer Savings Bank Mass. 54,271 37,737 16,534 44,422 22.2 275,622
69 Crescent State Bank Cary, N.C. 54,241 11,036 43,205 43,797 23.8 675,916
70 Savings Bank of Danbury Conn. 53,965 3,661 50,304 51,463 4.9 476,482
71 First South Bank Washington, N.C. 53,859 29,049 24,810 52,556 2.5 767,225
72 Community Bank-Wheaton/Glen Ellyn Glen Ellyn, Ill. 53,760 3,867 49,893 42,337 27.0 229,710
73 Fidelity Co-operative Bank Fitchburg, Mass. 53,602 21,079 32,523 47,675 12.4 313,159
74 Dime Bank Norwich, Conn. 53,565 32,227 21,338 46,222 15.9 494,155
75 Northfield Savings Bank Vt. 53,237 29,406 23,831 53,164 0.1 420,760
76 Colorado Capital Bank Castle Rock, Colo. 52,855 8,417 44,438 37,115 42.4 548,214
77 Old Point National Bank of Phoebus Hampton, Va. 52,297 21,914 30,383 48,781 7.2 598,508
78 Community Resource Bank Orangeburg, S.C. 51,981 4,516 47,465 32,638 59.3 463,207
79 South Shore Savings Bank South Weymouth, Mass. 51,775 27,983 23,792 48,335 7.1 600,921
80 Greater Community Bank Totowa, N.J. 51,651 23,460 28,191 53,062 -2.7 804,427
81 Somerset Hills Bank Bernardsville, N.J. 51,518 20,828 30,690 43,726 17.8 208,253
82 Irwin Bank Pa. 51,483 33,065 18,418 48,941 5.2 474,503
83 QNB Bank Quakertown, Pa. 51,463 36,304 15,159 48,377 6.4 381,016
84 Southern First Bank Greenville, S.C. 51,416 4,180 47,236 39,992 28.6 508,850
85 Lincoln Bank Plainfield, Ind. 51,398 13,264 38,134 49,193 4.5 642,104
86 Rainier Pacific Savings Bank Tacoma 51,009 26,378 24,631 46,017 10.8 637,000
87 Farmington Savings Bank Conn. 50,479 23,000 27,479 44,413 13.7 678,998
88 Salin Bank and Trust Co. Indianapolis 50,369 3,258 47,111 49,704 1.3 615,043
89 Asheville Savings Bank N.C. 50,334 2,600 47,734 44,018 14.3 522,628
90 Penn Security Bank and Trust Co. Scranton, Pa. 50,309 27,877 22,432 47,799 5.3 404,639
91 Bank Independent Sheffield, Ala. 50,081 9,589 40,492 45,484 10.1 538,049
92 Bar Harbor Bank and Trust Maine 50,077 13,260 36,817 48,152 4.0 579,711
93 Herget Bank Pekin, Ill. 49,851 27,504 22,347 38,705 28.8 143,605
94 American Bank and Trust Co. Davenport, Iowa 49,695 24,417 25,278 45,828 8.4 485,338
95 Community Bank of Bergen County Maywood, N.J. 49,649 42,812 6,837 50,248 -1.2 166,393
96 Farmers National Bank of Emlenton Pa. 49,426 45,816 3,610 47,414 4.2 233,076
97 Barnes Banking Co. Kaysville, Utah 49,033 5,678 43,355 35,947 36.4 779,013
98 First State Bank of East Detroit Eastpointe, Mich. 48,941 21,308 27,633 52,593 -6.9 439,422
99 First Federal Savings Bank of Elizabethtown Ky. 48,820 15,161 33,659 47,079 3.7 767,256
100 Alliance Bank Corp. Chantilly, Va. 48,786 12,111 36,675 91,819 -46.9 398,224
101 Private Bank Minnesota Minneapolis 48,308 5,270 43,038 44,545 8.4 119,806
102 Butte Community Bank Chico, Calif. 48,249 4,103 44,146 45,176 6.8 446,582
103 Androscoggin Savings Bank Lewiston, Maine 48,196 16,310 31,886 46,262 4.2 487,854
104 Alliance Bank St. Paul 48,194 10,649 37,545 40,393 19.3 529,584
105 Bank of Clarke County Berryville, Va. 48,112 14,016 34,096 49,426 -2.7 389,661
106 Bank of American Fork Utah 47,849 1,090 46,759 42,403 12.8 724,385
107 First Volunteer Bank of Tennessee Chattanooga 47,818 5,665 42,153 46,525 2.8 410,335
108 Arthur State Bank Union, S.C. 47,766 2,815 44,951 46,944 1.8 477,721
109 LCNB National Bank Lebanon, Ohio 47,622 11,166 36,456 34,676 37.3 446,887
110 Iowa State Bank and Trust Co. Iowa City 47,300 32,571 14,729 39,441 19.9 339,698
111 Timberland Bank Hoquiam, Wash. 47,071 41,093 5,978 38,434 22.5 543,144
112 Earthstar Bank Southampton, Pa. 47,031 25,460 21,571 51,429 -8.6 122,116
113 Montecito Bank and Trust Santa Barbara, Calif. 46,958 98 46,860 44,277 6.1 458,159
114 Muncy Bank and Trust Co. Pa. 46,847 40,893 5,954 41,704 12.3 154,658
115 Commercial Bank and Trust Co. Paris, Tenn. 46,640 16,899 29,741 37,091 25.7 399,568
116 Savings Bank of Mendocino County Ukiah, Calif. 46,571 22,099 24,472 46,636 -0.1 392,873
117 F&M Bank Clarksville, Tenn. 46,334 8,692 37,642 40,992 13.0 500,241
118 First National Bank and Trust Co. of Newtown Pa. 45,972 36,027 9,945 33,176 38.6 360,536
119 Cape Cod Co-operative Bank Yarmouth Port, Mass. 45,879 5,272 40,607 38,465 19.3 412,179
120 Chesapeake Bank Kilmarnock, Va. 45,774 7,061 38,713 38,008 20.4 361,647
121 Bank of Bartlett Tenn. 45,596 2,644 42,952 43,617 4.5 318,659
122 CapitalBank Greenwood, S.C. 45,341 2,713 42,628 43,148 5.1 646,146
123 Bank of Elmwood Racine, Wis. 45,027 10,249 34,778 42,166 6.8 302,021
124 Suburban Bank and Trust Co. Elmhurst, Ill. 44,925 5,300 39,625 36,780 22.1 442,369
125 Bank of Blue Valley Overland Park, Kan. 44,853 6,364 38,489 40,610 10.4 596,646
126 Sturgis Bank and Trust Co. Mich. 44,742 9,125 35,617 40,790 9.7 272,898
127 Avidia Bank Hudson, Mass. 44,624 6,140 38,484 43,934 1.6 711,308
128 Citizens-Union Savings Bank Fall River, Mass. 44,550 32,021 12,529 39,936 11.6 425,989
129 Liberty Bank Springfield, Mo. 44,362 9,562 34,800 36,144 22.7 703,397
130 Central Bank Stillwater, Minn. 44,215 6,762 37,453 44,673 -1.0 332,089
131 First Reliance Bank Florence, S.C. 44,115 4,611 39,504 32,366 36.3 468,135
132 BankFive Fall River, Mass. 44,114 22,712 21,402 39,846 10.7 484,453
133 Community First Bank and Trust Columbia, Tenn. 44,059 9,473 34,586 30,886 42.7 441,908
134 MidCarolina Bank Burlington, N.C. 43,983 2,504 41,479 35,665 23.3 371,246
135 Conestoga Bank Chester Springs, Pa. 43,884 33,919 9,965 41,505 5.7 402,927
136 Founders Bank and Trust Grand Rapids, Mich. 43,825 25,380 18,445 42,798 2.4 275,965
137 Cape Fear Bank Wilmington, N.C. 43,818 4,752 39,066 36,150 21.2 370,678
138 Paramount Bank Farmington Hills, Mich. 43,580 12,469 31,111 48,676 -10.5 251,403
139 Fidelity and Trust Bank Bethesda, Md. 43,577 32,114 11,463 43,762 -0.4 332,425
140 Independence Bank of Kentucky Owensboro 43,487 18,085 25,402 37,862 14.9 525,090
141 Great Midwest Bank Brookfield, Wis. 43,453 24,045 19,408 36,644 18.6 491,175
142 Carrollton Bank Ill. 43,365 22,477 20,888 42,079 3.1 527,401
143 Fauquier Bank Warrenton, Va. 43,203 6,875 36,328 43,041 0.4 413,299
144 First National Bank of Shelby N.C. 43,029 10,470 32,559 40,983 5.0 536,692
145 Baraboo National Bank Wis. 43,003 26,136 16,867 43,689 -1.6 482,836
146 Tennessee State Bank Pigeon Forge 42,939 3,121 39,818 42,257 1.6 482,480
147 RiverBank Wyoming, Minn. 42,905 27,236 15,669 34,459 24.5 396,520
148 First Bank Strasburg, Va. 42,886 12,376 30,510 39,999 7.2 449,587
149 First Citizens National Bank Mansfield, Pa. 42,819 35,003 7,816 41,805 2.4 423,379
150 First Northern Bank of Dixon Calif. 42,675 7,667 35,008 39,735 7.4 508,847

Note: Independent banks with less than $1 billion of assets or whose holding companies have less than $1 billion. Excludes industrial banks, those at which loans were less than half of assets, and those whose credit card loans exceeded 25% of gross loans. Thrifts are excluded. *Total committed loans.

Source:

SNL Financial
, Charlottesville, Va.
© 2008 American Banker