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 Dec. 31, 2005. Dollars in thousands
Published July 6, 2006

Rank   Dec. 31, 2005 Year earlier Change Assets
1 Lexington State Bank N.C. $109,862 $97,923 12.2% $975,158
2 Riverside Bank of the Gulf Coast Cape Coral, Fla. 78,203 61,086 28.0 526,821
3 Founders Bank Worth, Ill. 75,243 71,417 5.4 895,579
4 Peoples Bank Newton, N.C. 75,242 66,013 14.0 728,362
5 Leesport Bank Wyomissing, Pa. 72,411 71,431 1.4 940,986
6 Ozaukee Bank Cedarburg, Wis. 72,293 74,803 -3.4 692,401
7 Commonwealth Bank and Trust Co. Louisville 70,064 71,870 -2.5 497,027
8 Gateway Bank and Trust Co. Elizabeth City, N.C. 69,246 29,351 135.9 874,896
9 National Bank of Indianapolis 68,201 85,778 -20.5 927,112
10 Lorain National Bank Ohio 67,157 62,143 8.1 801,100
11 Prosperity Bank St. Augustine, Fla. 66,381 41,395 60.4 927,943
12 Capital Bank Raleigh 65,594 61,925 5.9 925,399
13 River City Bank Sacramento 65,457 64,975 0.7 755,521
14 Bank of Tampa 65,129 53,939 20.7 813,940
15 Bridgehampton National Bank N.Y. 58,950 56,680 4.0 533,361
16 First Bank and Trust Evanston, Ill. 57,839 60,994 -5.2 371,611
17 Bank of Kentucky Inc. Crestview Hills 57,056 57,573 -0.9 956,023
18 Mercantile National Bank of Indiana Hammond 56,959 55,016 3.5 795,861
19 First National Bank of Chester County West Chester, Pa. 56,940 51,189 11.2 840,889
20 Farmers and Merchants Bank Granite Quarry, N.C. 52,594 47,888 9.8 502,429
21 Aliant Bank Alexander City, Ala. 51,828 42,823 21.0 856,199
22 Paramount Bank Farmington Hills, Mich. 51,073 50,248 1.6 251,410
23 Salin Bank and Trust Co. Indianapolis 51,003 52,675 -3.2 871,124
24 First Hope Bank Hope, N.J. 50,982 41,383 23.2 324,390
25 Great Lakes Bank Blue Island, Ill. 50,742 54,068 -6.2 728,146
26 EagleBank Bethesda, Md. 50,249 44,540 12.8 663,423
27 Alliance Bank Syracuse, N.Y. 49,356 46,639 5.8 977,731
28 Glenview State Bank Ill. 48,231 48,629 -0.8 886,699
29 Monarch Bank Chesapeake, Va. 47,954 34,814 37.7 331,178
30 First Volunteer Bank of Tennessee Chattanooga 47,004 47,033 -0.1 506,925
31 Bank of St. Petersburg Tampa 46,947 23,256 101.9 337,948
32 Your Community Bank New Albany, Ind. 46,408 40,209 15.4 664,689
33 Foster Bank Chicago 46,204 44,620 3.5 428,964
34 Enterprise Bank and Trust Co. Lowell, Mass. 44,716 43,124 3.7 917,785
35 Cornerstone National Bank and Trust Co. Palatine, Ill. 44,331 51,211 -13.4 293,141
36 Bank of Walnut Creek Calif. 44,202 44,731 -1.2 534,096
37 Florida Capital Bank Tarpon Springs 42,462 NA NA 206,787
38 Bar Harbor Bank and Trust Maine 42,459 45,079 -5.8 749,689
39 American National Bank and Trust Co. Danville, Va. 42,178 42,620 -1.0 622,468
40 Patriot National Bank Stamford, Conn. 41,879 32,922 27.2 470,194
41 Waukesha State Bank Wis. 41,751 42,522 -1.8 651,481
42 CapitalBank Greenwood, S.C. 41,259 37,421 10.3 598,778
43 First Federal Savings Bank of Elizabethtown Ky. 41,115 46,262 -11.1 764,086
44 HomeFederal Bank Columbus, Ind. 41,024 45,633 -10.1 849,873
45 Bank of North Carolina Thomasville 40,663 32,894 23.6 594,465
46 Carrollton Bank Baltimore, Md. 40,660 40,935 -0.7 357,244
47 First State Bank of East Detroit Eastpointe, Mich. 40,502 45,350 -10.7 704,650
48 Alliance Bank Chantilly, Va. 40,311 37,052 8.8 611,007
49 Marco Community Bank Marco Island, Fla. 40,305 39,632 1.7 156,618
50 S&C Bank New Richmond, Wis. 40,233 33,316 20.8 404,771
51 Leader Bank Arlington, Mass. 40,210 33,040 21.7 183,093
52 Central Bank Stillwater, Minn. 39,897 35,403 12.7 363,551
53 Warren Bank Mich. 39,881 40,713 -2.0 577,739
54 Montecito Bank and Trust Santa Barbara, Calif. 39,480 35,875 10.0 687,977
55 Arthur State Bank Union, S.C. 39,008 30,442 28.1 513,047
56 F&M Bank Clarksville, Tenn. 38,967 42,930 -9.2 491,687
57 First Farmers and Merchants National Bank of Columbia Tenn. 38,960 39,028 -0.2 809,008
58 First State Bank of the Florida Keys Key West 38,697 39,634 -2.4 595,433
59 Connecticut Community Bank Westport 38,510 38,687 -0.5 322,389
60 Labe Bank Chicago 38,342 27,526 39.3 498,285
61 Adams County National Bank Gettysburg, Pa. 38,317 29,520 29.8 930,857
62 Voyager Bank Eden Prairie, Minn. 38,265 32,189 18.9 532,903
63 Heritage Community Bank Glenwood, Ill. 37,967 48,105 -21.1 286,427
64 Cumberland Bank Franklin, Tenn. 37,829 31,259 21.0 739,905
65 Greenville First Bank S.C. 37,666 35,400 6.4 402,927
66 First Northern Bank of Dixon Calif. 37,531 40,177 -6.6 660,647
67 Bank of Bartlett Tenn. 37,492 35,649 5.2 451,825
68 Alliance Bank New Ulm, Minn. 37,214 44,641 -16.6 403,776
69 First National Bank of Santa Fe N.M. 37,159 39,823 -6.7 471,966
70 Community Bank of Oak Park River Forest Oak Park, Ill. 36,910 34,311 7.6 271,998
71 River Valley State Bank Wausau, Wis. 36,433 23,846 52.8 688,264
72 Middleburg Bank Va. 35,880 21,247 68.9 732,227
73 Peoples Bank Lynden, Wash. 35,583 35,860 -0.8 737,539
74 Community Bank of Wheaton and Glen Ellyn Glen Ellyn, Ill. 35,413 28,849 22.8 267,455
75 First Bank of Highland Park Ill. 35,396 29,509 19.9 835,949
76 Vintage Bank Napa, Calif. 35,169 23,440 50.0 600,437
77 Bank of Clarke County Berryville, Va. 35,088 28,470 23.2 463,186
78 Bank of American Fork Utah 35,046 35,147 -0.3 638,360
79 Whidbey Island Bank Oak Harbor, Wash. 35,000 27,525 27.2 723,935
80 Private Bank Minnesota Minneapolis 34,986 32,734 6.9 120,749
81 Crescent State Bank Cary, N.C. 34,588 31,652 9.3 410,849
82 Nexity Bank Birmingham, Ala. 34,303 29,501 16.3 784,226
83 Wilber National Bank Oneonta, N.Y. 34,058 26,851 26.8 751,553
84 Bank of Blue Valley Overland Park, Kan. 33,636 31,690 6.1 670,504
85 Park Bank Madison, Wis. 33,428 33,454 -0.1 531,435
86 First State Bank Union City, Tenn. 33,410 25,029 33.5 868,134
87 Tennessee State Bank Pigeon Forge 33,187 18,089 83.5 507,858
88 Talbot Bank of Easton, Maryland 32,958 43,919 -25.0 466,383
89 Citywide Banks Aurora, Colo. 32,904 29,958 9.8 794,187
90 Paducah Bank and Trust Co. Ky. 32,874 29,361 12.0 402,171
91 Barnes Banking Co. Kaysville, Utah 32,779 35,702 -8.2 602,814
92 Park Bank Milwaukee 32,648 32,471 0.5 691,408
93 Lakeside Bank Chicago 32,607 35,226 -7.4 707,160
94 First National Bank of Shelby N.C. 32,399 27,808 16.5 797,425
95 First National Bank of Hudson Woodbury, Minn. 32,339 31,478 2.7 389,149
96 National Bank and Trust Co. Wilmington, Ohio 32,308 34,206 -5.5 649,858
97 Palos Bank and Trust Co. Palos Heights, Ill. 32,216 32,200 0.0 455,501
98 Hawaii National Bank Honolulu 32,064 30,566 4.9 438,076
99 Merchants Bank Winona, Minn. 32,058 35,030 -8.5 495,609
100 MidCarolina Bank Burlington, N.C. 31,926 34,715 -8.0 370,636
101 Centra Bank Inc. Morgantown, W.Va. 31,827 35,190 -9.6 549,923
102 Lebanon Citizens National Bank Ohio 31,789 34,262 -7.2 535,648
103 Plumas Bank Quincy, Calif. 31,504 27,779 13.4 472,225
104 Fauquier Bank Warrenton, Va. 31,426 18,384 70.9 480,970
105 Bank of Elmwood Racine, Wis. 31,393 34,225 -8.3 289,526
106 North Valley Bank Redding, Calif. 31,247 27,647 13.0 752,353
107 NorStates Bank Waukegan, Ill. 31,226 32,258 -3.2 721,561
108 Savannah Bank Ga. 30,878 28,237 9.4 540,025
109 Oxford Bank Mich. 30,778 27,304 12.7 535,936
110 Community Bank of Dearborn Mich. 30,777 37,090 -17.0 689,724
111 Somerset Hills Bank Bernardsville, N.J. 30,533 30,699 -0.5 245,926
112 Itasca Bank and Trust Co. Ill. 30,456 27,350 11.4 370,329
113 First Banking Center Burlington, Wis. 30,440 31,626 -3.8 663,418
114 Montgomery First National Bank Sikeston, Mo. 30,234 27,988 8.0 804,497
115 Capital Bank and Trust Co. Nashville, Tenn. 30,077 27,669 8.7 473,485
116 First National Bank of Litchfield Conn. 29,989 31,618 -5.2 466,958
117 CNLBank Orlando 29,813 26,281 13.4 653,542
118 Byron Bank Byron Center, Mich. 29,809 32,468 -8.2 590,043
119 InSouth Bank Brownsville, Tenn. 29,743 27,725 7.3 502,134
120 Alpine Bank of Illinois Rockford, Ill. 29,433 26,820 9.7 472,257
121 Wainwright Bank and Trust Co. Boston 29,412 51,065 -42.4 841,954
122 TransAtlantic Bank Miami 29,242 19,377 50.9 539,110
123 Chesapeake Bank Kilmarnock, Va. 29,005 24,809 16.9 379,292
124 National Bank of Commerce Superior, Wis. 28,963 25,553 13.3 368,342
125 Western Springs National Bank and Trust Ill. 28,924 26,842 7.8 189,987
126 Kentucky Bank Paris 28,729 30,331 -5.3 572,360
127 Earthstar Bank Southampton, Pa. 28,482 19,046 49.5 187,067
128 Community Bank of Broward Dania Beach, Fla. 28,363 22,478 26.2 284,645
129 Bank of Tennessee Kingsport 28,339 28,384 -0.2 531,244
130 Butte Community Bank Chico, Calif. 28,298 16,859 67.9 493,368
131 First Eagle National Bank Hanover Park, Ill. 28,233 28,496 -0.9 276,637
132 Leaders Bank Oak Brook, Ill. 28,039 24,592 14.0 305,197
133 Queenstown Bank of Maryland 27,946 29,080 -3.9 343,500
134 American Community Bank Monroe, N.C. 27,733 21,254 30.5 436,034
135 Emprise Bank Wichita 27,688 28,293 -2.1 796,971
136 TotalBank Miami 27,681 20,844 32.8 970,488
137 Scottish Bank Charlotte 27,534 26,754 2.9 171,096
138 First Mid-Illinois Bank and Trust Mattoon 27,524 28,202 -2.4 843,937
139 First Morris Bank and Trust Morristown, N.J. 27,483 27,152 1.2 580,932
140 Monroe Bank Bloomington, Ind. 27,479 25,390 8.2 709,839
141 Christiana Bank and Trust Co. Greenville, Del. 27,195 24,069 13.0 166,086
142 Tri City National Bank Oak Creek, Wis. 27,138 26,174 3.7 743,269
143 Oxford Bank and Trust Addison, Ill. 27,118 26,962 0.6 479,446
144 Greater Community Bank Totowa, N.J. 27,105 29,178 -7.1 562,937
145 County National Bank Clearfield, Pa. 27,071 28,440 -4.8 748,193
146 Unity Bank Clinton, N.J. 26,879 25,456 5.6 613,013
147 Bank of Marin Corte Madera, Calif. 26,698 27,702 -3.6 840,449
148 Edison National Bank Fort Myers, Fla. 26,664 18,881 41.2 158,152
149 Home State Bank Loveland, Colo. 26,601 30,471 -12.7 442,053
150 United Heritage Bank Orlando 26,417 15,336 72.3 706,696

Note: Independent commercial banks, savings banks, and savings institutions with less than $1 billion of assets or whose parents have less than $1 billion of assets as of Dec. 31, 2005. Excluded are banks at which total loans constitute less than half of assets and whose credit card loans exceeded 25% of total loans. Industrial banks are also excluded.

Source:

SNL Financial
, Charlottesville, Va.
© 2006 American Banker