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Community Banks with the Highest Return on Average Assets

January 10, 2011, 2:20 p.m. EST 1 Min Read
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Community Banks with the Highest Return on Average Assets

Community Banks with the Highest Return on Average AssetsOn Sept. 30, 2010. Dollars in thousands.
Published January 10, 2011
Rank Return on average assets Total
assets		 Return on
average equity		 Efficiency
ratio
3Q 2010 3Q 2009
1 Continental Bank Salt Lake City 10.81% 5.17% $102,870 64.10% 19.82%
2 Roundbank Waseca, Minn. 9.10 1.14 305,083 106.17 19.69
3 Hyperion Bank Philadelphia 7.31 -1.48 90,229 77.18 101.96
4 First State Bank of Northwest Arkansas Huntsville 6.54 0.90 79,097 43.64 30.55
5 Golden Coast Bank Long Beach, Calif. 6.50 -13.80 30,530 34.33 273.31
6 American Trust Bank Kirksville, Mo. 6.19 -1.49 36,075 67.51 65.26
7 Plaza Bank Irvine, Calif. 6.07 -2.03 360,034 56.23 33.35
8 Bank of Cape Cod Hyannis, Mass. 6.06 0.79 114,022 66.01 90.21
9 Live Oak Banking Co. Wilmington, N.C. 6.01 2.82 207,392 71.67 45.00
10 River Community Bank Martinsville, Va. 5.57 -0.29 98,232 58.33 27.93
11 Borrego Springs Bank La Mesa, Calif. 5.46 0.46 158,218 79.07 53.23
12 SunSouth Bank Dothan, Ala. 4.95 -1.00 222,389 59.35 48.11
13 First Credit Bank Los Angeles 4.87 3.13 495,294 21.63 18.93
14 Goodfield State Bank Ill. 4.78 0.30 66,427 44.35 32.57
15 Peoples State Bank Cherryvale, Kan. 4.66 3.38 17,179 18.20 38.55
16 Benchmark Bank Plano, Texas 4.55 4.12 379,183 47.15 60.87
17 First National Bank Goodland, Kan. 4.53 -3.10 248,078 77.65 50.69
18 Central State Bank Clayton, Ill. 4.47 1.53 87,364 32.00 31.23
19 Bank Northwest Hamilton, Mo. 4.29 1.89 90,260 48.70 46.09
20 Spring Valley Bank Wyoming, Ohio 4.25 3.78 70,736 11.95 12.29
21 Bank of San Antonio 4.12 0.33 170,237 25.95 80.88
22 Brunswick State Bank Neb. 3.95 1.92 72,559 41.62 40.78
23 Wilson State Bank Kan. 3.91 1.83 63,951 35.30 61.02
24 Citizens State Bank of Clayton Wis. 3.84 2.19 90,453 48.91 41.12
25 Corydon State Bank Iowa 3.82 2.18 70,883 23.22 22.32
26 Marlin Business Bank Salt Lake City 3.77 3.10 124,039 25.04 31.80
Progress Bank and Trust Huntsville, Ala. 3.77 -0.26 305,545 32.64 78.30
28 Deutsche Bank Trust Co. Delaware Wilmington 3.71 2.14 469,847 6.23 30.34
29 Bank of the Orient San Francisco 3.66 -1.10 674,920 42.45 47.17
Ruby Valley National Bank Twin Bridges, Mont. 3.66 1.74 72,091 26.96 42.07
31 Bank of Prague Neb. 3.65 4.32 19,438 21.00 35.71
32 First Tuskegee Bank Ala. 3.64 1.61 71,751 44.71 60.23
33 Security State Bank Ansley, Neb. 3.62 3.90 88,683 42.48 58.59
34 Community Capital Bank of Virginia Christiansburg 3.60 2.46 44,626 17.40 21.62
35 Crown Bank Brick, N.J. 3.54 3.85 536,335 29.17 42.06
State Bank of Paw Paw Ill. 3.54 -0.91 33,638 21.65 71.49
37 West Town Savings Bank Cicero, Ill. 3.51 -0.30 107,814 39.14 71.04
38 Peoples State Bank Blair, Okla. 3.44 2.63 15,765 31.62 50.19
39 Texas Bank Brownwood 3.42 2.94 280,073 26.77 49.37
40 Farmers and Merchants Bank of Kendall Wis. 3.37 3.56 57,385 31.27 30.93
41 Peoples Community Bank Greenville, Mo. 3.36 2.86 91,591 18.31 42.76
42 Bank of Buffalo Ky. 3.32 3.33 66,246 35.86 31.58
43 Frontier Bank Davenport, Neb. 3.28 2.67 23,975 21.08 40.72
44 Almena State Bank Kan. 3.27 3.33 21,598 48.96 60.54
45 Purdum State Bank Neb. 3.22 1.03 19,693 24.79 53.80
46 Northern State Bank Ashland, Wis. 3.21 1.38 219,306 40.03 67.98
47 Payne County Bank Perkins, Okla. 3.18 2.45 115,329 17.46 44.39
48 Spring Bank Brookfield, Wis. 3.17 -0.31 102,739 28.84 59.73
49 Heritage State Bank Lawrenceville, Ill. 3.14 2.48 83,613 37.84 46.29
50 Kaw Valley State Bank and Trust Co. Wamego, Kan. 3.13 1.36 131,097 27.39 66.49
51 Crestmark Bank Troy, Mich. 3.11 1.38 232,475 25.74 61.42
52 First Bank and Trust New Orleans 3.08 -0.42 954,527 47.26 114.42
53 United Community Bank of North Dakota Leeds 3.05 2.12 203,642 38.62 39.69
54 Bank of Bloomsdale Mo. 3.00 1.85 186,551 30.26 34.72
55 Leader Bank Arlington, Mass. 2.97 0.80 353,693 29.56 36.76
56 Farmers and Merchants State Bank of Pierz Minn. 2.96 1.71 171,440 30.68 42.86
57 Clinton State Bank Minn. 2.94 2.92 65,454 21.80 30.32
58 Senath State Bank Mo. 2.89 2.85 56,345 17.74 49.04
State Bank of Scotia Neb. 2.89 1.47 26,098 10.69 43.23
60 University National Bank St.Paul, Minn. 2.88 3.24 192,780 30.38 40.62
61 First Financial Bank El Dorado, Ark. 2.87 1.97 687,542 31.20 51.21
First National Bank in Lamar Colo. 2.87 1.55 182,653 21.40 43.74
63 First State Bank of Colfax Iowa 2.86 1.95 64,222 19.37 27.57
64 First State Bank Armour, S.D. 2.85 2.37 85,969 34.79 50.08
65 First American Bank Stonewall, Okla. 2.84 2.53 22,756 26.57 53.25
Solon State Bank Iowa 2.84 2.00 84,058 14.66 37.34
67 Farmers Trust and Savings Bank Williamsburg, Iowa 2.81 2.81 117,683 13.57 42.41
68 Bank of Galesville Wis. 2.80 1.07 83,059 21.27 47.81
Farmers and Merchants State Bank Plankinton, S.D. 2.80 2.41 71,174 26.72 42.92
Fidelity Bank Edina, Minn. 2.80 1.97 468,201 17.41 38.08
71 Great Plains National Bank Elk City, Okla. 2.78 1.93 340,522 30.17 53.52
72 Charter Bank Corpus Christi, Texas 2.77 2.99 151,308 33.25 54.35
73 Pender State Bank Neb. 2.76 1.74 129,262 19.78 40.47
74 Premier Bank Rock Valley, Iowa 2.75 2.18 215,356 26.62 32.98
75 Pinnacle Bank Sioux City Iowa 2.72 1.93 62,012 23.82 43.73
76 Commercial Capital Bank Delhi, La. 2.71 1.94 41,433 23.71 52.59
Sargent County Bank Forman, N.D. 2.71 2.26 82,843 19.42 28.74
78 Bank of Mauston Wis. 2.70 1.89 243,727 24.77 39.77
Riverside Bank Sparkman, Ark. 2.70 1.77 57,538 33.96 46.22
80 Brannen Bank Inverness, Fla. 2.68 1.04 446,098 35.62 66.68
Peoples Community State Bank Doniphan, Mo. 2.68 2.41 126,213 20.48 45.67
82 Dakota Heritage Bank of North Dakota Hunter 2.67 1.63 111,020 26.52 49.13
First National Bank of Kinmundy Ill. 2.67 1.68 33,160 21.14 44.42
84 Bank of Advance Mo. 2.66 2.26 226,812 15.99 45.88
First National Bank of Waseca Minn. 2.66 1.59 112,622 25.34 51.81
86 Grand Bank Hamilton, N.J. 2.65 0.31 392,711 30.84 83.83
Henry State Bank Ill. 2.65 1.41 101,496 21.83 47.43
88 Bank of Baker Mont. 2.63 2.97 107,781 30.72 34.00
Bank of Deerfield Wis. 2.63 1.60 92,195 21.17 49.94
Landmands Bank Audubon, Iowa 2.63 2.52 54,709 23.43 55.66
91 State Bank of Texas Dallas 2.62 18.42 621,354 17.62 31.94
92 First Whitney Bank and Trust Atlantic, Iowa 2.61 2.31 145,219 22.50 33.19
FirstBank Antlers, Okla. 2.61 2.25 196,453 31.73 62.04
Viking State Bank and Trust Decorah, Iowa 2.61 2.17 101,100 24.57 41.49
95 First Security Bank-Sleepy Eye Minn. 2.60 -0.03 157,381 22.60 55.97
First State Bank of Grove City Minn. 2.60 0.81 22,538 14.68 41.94
97 Nebraska State Bank Oshkosh 2.59 1.84 46,273 28.05 53.05
98 Bank of England Ark. 2.58 1.60 212,702 26.49 76.15
Bank of Ohio County Inc. Beaver Dam, Ky. 2.58 1.43 92,911 15.06 42.71
100 Community Bank of Raymore Mo. 2.57 0.96 146,904 26.84 60.64
Security Bank and Trust Co. Paris, Tenn. 2.57 2.19 165,759 27.93 39.28
102 Brush Country Bank Freer, Texas 2.56 2.23 38,931 26.94 53.93
103 Community Bank Longview, Texas 2.55 2.14 128,593 36.05 50.12
Kress National Bank Texas 2.55 2.44 33,552 20.72 65.91
105 Citizens State Bank Miles, Texas 2.54 1.74 78,707 32.31 47.56
Wilburton State Bank Okla. 2.54 2.60 60,976 29.53 52.69
107 The Bank Oberlin, Kan. 2.52 1.84 185,208 25.11 40.67
Security State Bank Sutherland, Iowa 2.52 2.23 74,130 30.21 40.72
Union Bank and Trust Co. Livingston, Tenn. 2.52 2.49 80,054 23.20 47.91
110 New Era Bank Fredericktown, Mo. 2.51 2.10 273,028 20.97 37.50
111 First Bank of Berne Ind. 2.50 2.29 421,363 25.55 45.38
First Bank Upper Michigan Gladstone 2.50 2.48 170,094 16.05 49.75
Vantage Bank of Alabama Albertville 2.50 0.75 73,504 16.77 66.18
114 First Star Bank SSB Bremond, Texas 2.49 1.33 218,219 29.12 55.92
Security Bank and Trust Co. Maysville, Ky. 2.49 2.44 46,843 11.08 44.69
Town and Country Bank of Quincy Ill. 2.49 2.36 111,334 23.29 46.16
117 Oak Creek Valley Bank Valparaiso, Neb. 2.48 2.27 58,607 21.99 35.04
118 First Iowa State Bank Albia 2.47 0.89 143,566 18.61 40.69
Home State Bank Royal, Iowa 2.47 2.06 39,361 8.07 31.85
Merchants and Farmers Bank of Salisbury Mo. 2.47 -1.34 96,602 27.35 48.61
121 Bank of Holly Springs Miss. 2.46 0.93 183,371 18.68 57.05
122 First National Bank Izard County Calico Rock, Ark. 2.45 2.34 139,887 8.29 39.55
Pioneer Trust Bank Salem, Ore. 2.45 2.40 283,668 16.54 34.77
Prairie State Bank and Trust Mount Zion, Ill. 2.45 1.82 548,899 28.09 50.46
125 Border Trust Co. Augusta, Maine 2.44 -1.90 61,580 46.37 65.75
Citizens State Bank Corrigan Texas 2.44 2.03 99,495 22.09 51.45
127 Stock Growers Bank Napoleon, N.D. 2.43 2.29 48,590 19.89 38.06
128 Bank of Morton Miss. 2.42 1.90 57,104 21.26 57.31
CCB Community Bank Andalusia, Ala. 2.42 1.08 392,871 28.44 45.49
First Community Bank of Bedford County Shelbyville, Tenn. 2.42 1.47 298,725 19.91 54.52
First National Bank Fort Pierre, S.D. 2.42 2.12 639,031 12.30 38.40
Mainland Bank Texas City 2.42 2.14 99,495 28.36 56.40
Paducah Bank and Trust Co. Ky. 2.42 2.31 513,827 22.80 54.16
134 Deposit Bank of Carlisle Ky. 2.41 2.55 70,262 14.69 45.42
Justin State Bank Texas 2.41 1.17 70,049 21.33 52.40
136 Farmers and Merchants Bank Milligan, Neb. 2.40 1.07 47,484 25.34 50.87
137 Five Points Bank Grand Island, Neb. 2.39 1.66 572,272 22.29 43.96
Gothenburg State Bank Neb. 2.39 1.32 106,819 20.12 66.61
Haverford Trust Co. Radnor, Pa. 2.39 2.25 112,742 14.74 86.10
Lamar Bank and Trust Co. Mo. 2.39 2.23 118,284 24.77 50.10
Southwest National Bank Wichita 2.39 2.21 348,021 26.30 53.55
142 First National Bank in Philip S.D. 2.38 0.97 152,679 19.32 54.93
MontroseBank Colo. 2.38 2.44 205,268 23.12 52.03
Tipton Latham Bank Tipton, Mo. 2.38 1.76 89,913 21.27 47.67
145 Garfield County Bank Jordan, Mont. 2.37 1.69 40,321 19.34 41.71
146 Bank of Kremlin Okla. 2.36 2.10 230,476 25.31 42.69
Bank of Montgomery La. 2.36 1.50 166,804 28.46 53.60
Bank of the Bluegrass and Trust Co. Lexington, Ky. 2.36 -0.35 216,582 19.31 71.79
Midwest Bank Detroit Lakes, Minn. 2.36 1.38 255,094 24.52 51.60
150 Davison State Bank Mich. 2.35 2.75 43,513 14.69 93.70
151 Bank of Alma Wis. 2.34 2.00 195,534 7.08 16.56
152 Bank of Lake Village Ark. 2.34 0.59 58,816 21.61 64.33
City Savings Bank and Trust Co. De Ridder, La. 2.34 2.27 184,729 19.57 58.76
State Bank of New Richland Minn. 2.34 2.90 84,743 25.37 42.09
Union Bank of Mena Ark. 2.34 2.31 163,659 24.56 58.62
156 Bank of Ontario Wis. 2.33 1.38 31,198 22.87 54.91
Community First Bank of the Heartland Mount Vernon, Ill. 2.33 1.41 84,155 22.18 47.97
First National Bank Fabens, Texas 2.33 2.58 294,110 29.62 47.25
First State Bank of Porter Okla. 2.33 2.76 34,068 16.82 64.14
Western Commerce Bank Carlsbad, N.M. 2.33 2.28 324,807 24.12 54.86
161 Citizens National Bank Henderson, Texas 2.32 1.02 861,340 22.19 63.13
McKenzie County Bank Watford City, N.D. 2.32 2.05 74,808 28.74 42.86
Northern Hancock Bank and Trust Co. Newell, W.Va. 2.32 1.36 30,794 21.61 61.88
PremierBank Fort Atkinson, Wis. 2.32 1.70 291,598 15.17 42.59
River Bank Stoddard, Wis. 2.32 1.77 375,644 20.37 39.91
166 Bank of Rantoul Ill. 2.31 -2.39 195,053 26.21 36.24
Citizens State Bank of Cheney Kan. 2.31 2.08 47,754 17.17 50.14
Welcome State Bank Minn. 2.31 2.84 22,239 22.20 52.70
169 Brighton Bank Salt Lake City 2.30 1.14 153,110 16.55 58.20
First State Bank of St.Joseph Minn. 2.30 1.61 156,612 17.21 43.19
Yellowstone Bank Laurel, Mont. 2.30 0.98 429,003 13.39 42.75
172 Bank of Fairfield Wash. 2.29 0.17 128,796 24.50 70.72
Bank of St. Elizabeth Mo. 2.29 2.04 100,532 21.96 46.25
Clarkson Bank Neb. 2.29 2.15 49,237 17.81 55.38
Heights Bank Peoria Heights, Ill. 2.29 1.97 39,992 22.37 47.92
Red River State Bank Halstad, Minn. 2.29 2.08 45,537 22.41 52.68
177 Gateway Business Bank Cerritos, Calif. 2.28 -1.73 201,708 15.70 81.92
178 Bank of Gibson City Ill. 2.27 0.92 74,141 19.43 56.86
Shell Lake State Bank Wis. 2.27 2.11 133,770 12.18 39.26
180 Bank of Glen Ullin N.D. 2.26 1.80 40,113 18.59 40.75
Farmers State Bank of Adams Minn. 2.26 2.33 77,609 18.52 42.16
First Community Bank Xenia-Flora Xenia, Ill. 2.26 1.52 32,321 17.05 55.79
Prime Bank Edmond, Okla. 2.26 0.74 84,860 23.94 53.79
State Bank of Lima Ill. 2.26 1.76 29,121 22.14 51.94
State Bank of St. Jacob Ill. 2.26 2.17 48,534 14.71 42.57
WoodTrust Bank Wisconsin Rapids 2.26 1.82 321,401 20.18 57.40
187 Alton Bank Mo. 2.25 2.22 51,276 12.46 47.16
Citizens State Bank Okemah, Okla. 2.25 1.66 136,160 26.37 39.60
Home State Bank Louisville, Neb. 2.25 1.71 85,795 20.39 41.90
Liberty State Bank Powers Lake, N.D. 2.25 1.75 47,003 26.16 39.16
191 Bank of the West El Paso, Texas 2.24 1.68 866,741 25.84 49.26
Heartland Community Bank Bryant, Ark. 2.24 1.83 157,463 19.76 47.78
Marion County State Bank Pella, Iowa 2.24 1.91 218,224 22.47 37.64
194 American State Bank Sioux Center, Iowa 2.23 1.27 499,219 22.05 39.12
Vermillion State Bank Minn. 2.23 2.10 448,693 18.13 27.26
196 Farmers and Merchants State Bank of Blooming Prairie Minn. 2.22 2.33 71,941 27.71 55.75
First Century Bank Gainesville, Ga. 2.22 -0.66 74,222 26.36 77.40
Morris State Bank Okla. 2.22 1.68 63,971 24.88 54.20
State Savings Bank Creston, Iowa 2.22 2.08 50,694 25.48 46.28
Waukon State Bank Iowa 2.22 0.74 115,209 18.20 48.62

Note: Independent banks and thrifts operating as of Dec. 24, 2010, 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 or whose credit card loans exceeded 25% of gross loans Thrifts are also excluded. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2011 American Banker

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