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Community Banks with the Highest Return on Average Assets

July 16, 2010, 8:34 p.m. EDT 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 March 31, 2010. Dollars in thousands.
Published July 16, 2010
Rank Return on average assets Total
assets		 Return on
average equity		 Efficiency
ratio
1Q 2010 1Q 2009
1 First Citizens Bank Luverne, Ala. † 20.78% 1.32% $238,959 159.17% 5.98%
2 Continental Bank Salt Lake City 7.46 3.34 106,296 62.95 18.90
3 First Credit Bank Los Angeles 6.20 3.37 484,483 28.60 15.39
4 Bank of Upson Thomaston, Ga. 5.87 0.62 394,711 57.60 23.85
5 Texas Bank Brownwood 5.12 2.56 270,990 46.07 53.48
6 Battle Creek State Bank Neb. 4.97 0.46 28,098 80.00 41.38
7 Maple Bank Champlin, Minn. 4.63 -6.44 60,625 42.42 42.92
8 CFG Community Bank Baltimore 4.47 -5.83 310,555 31.40 38.99
Level One Bank Farmington Hills, Mich. 4.47 -1.96 178,231 46.11 81.95
10 First State Bank of St. Joseph Minn. 4.23 1.57 149,936 35.65 28.04
11 Marlin Business Bank Salt Lake City 3.87 1.64 111,686 24.28 35.31
12 First State Bank in Temple Okla. 3.84 4.98 23,274 21.48 37.53
13 Benchmark Bank Plano, Texas 3.75 1.66 342,936 40.56 66.31
14 Corydon State Bank Iowa 3.74 3.42 69,361 22.64 20.98
15 Northern State Bank Ashland, Wis. 3.71 1.42 210,563 50.30 60.88
16 ANZ Amerika Samoa Bank Pago Pago, American Samoa 3.54 0.46 132,884 30.93 90.06
17 Haverford Trust Co. Radnor, Pa. 3.47 0.66 109,742 23.74 79.90
18 National Bank and Trust Co. Wilmington, Ohio 3.44 0.57 716,704 31.19 44.50
19 Central State Bank Clayton, Ill. 3.38 1.93 86,053 25.87 42.31
20 First National Bank Fort Pierre, S.D. 3.36 1.78 628,807 17.29 34.80
21 State Bank of Paw Paw Ill. 3.29 1.22 35,303 23.89 62.74
22 Vermont State Bank Ill. 3.28 2.49 14,811 37.60 41.40
23 Bank of Buffalo Ky. 3.26 3.38 63,939 35.13 32.72
24 Farmers Bank Carnegie, Okla. 3.24 3.65 52,066 33.88 44.92
25 United Minnesota Bank New London 3.23 0.13 25,447 42.63 58.46
26 Farmers Trust and Savings Bank Williamsburg, Iowa 3.18 2.65 103,533 15.49 40.31
27 Central Bank of Kansas City Mo. 3.16 1.16 186,480 22.32 48.64
28 Virginia Heritage Bank Fairfax 3.07 0.34 380,972 32.95 73.27
29 River City Bank Inc. Louisville, Ky. 3.04 0.72 257,465 20.76 42.00
30 State Bank of Delphos Kan. 3.02 1.75 38,677 34.04 50.08
31 Bank of Union El Reno, Okla. 3.01 2.48 317,237 37.31 37.89
Peoples Community Bank Greenville, Mo. 3.01 3.18 89,670 16.00 43.41
33 mBank Manistique, Mich. 3.00 0.16 502,522 30.32 75.06
34 Frontier Bank Davenport, Neb. 2.96 2.65 22,122 19.07 43.19
35 Bitterroot Valley Bank Lolo, Mont. 2.91 1.64 204,287 32.62 30.47
German-American State Bank German Valley, Ill. 2.91 0.77 170,961 33.71 33.24
PrinsBank Prinsburg, Minn. 2.91 1.69 54,311 23.91 59.89
38 Holladay Bank and Trust Salt Lake City 2.88 -2.59 58,467 23.49 50.11
Union National Bank Elgin, Ill. 2.88 1.31 478,667 33.77 35.02
40 Peoples State Bank Cherryvale, Kan. 2.84 4.42 17,425 11.90 41.95
41 Bank of Rantoul Ill. 2.82 2.22 193,301 34.11 35.22
42 Clinton State Bank Minn. 2.79 2.89 62,220 21.14 30.84
43 First State Bank of Le Center Minn. 2.76 1.97 61,940 24.79 52.14
44 Crown Bank Brick, N.J. 2.75 1.11 551,963 23.50 47.44
First State Bank Stockbridge, Ga. 2.75 -1.42 600,134 67.31 42.11
Solon State Bank Iowa 2.75 2.42 83,900 14.45 36.75
47 Profinium Financial Inc. Truman, Minn. 2.73 -3.22 320,503 32.68 81.77
48 Northeast Bank Minneapolis 2.69 0.40 389,654 27.63 61.42
Peoples Community State Bank Doniphan, Mo. 2.69 2.51 128,066 20.48 45.28
50 First Bank of Okarche Okla. 2.68 2.33 52,838 17.25 40.00
51 Bank of Ohio County Inc. Beaver Dam, Ky. 2.66 2.08 85,540 16.51 40.32
Garden City State Bank Kan. 2.66 1.81 59,609 21.89 49.72
53 Central Bank Stillwater, Minn. 2.63 1.43 837,490 35.21 57.71
54 First American Bank Stonewall, Okla. 2.62 2.29 22,833 25.16 54.60
55 Charter Bank Corpus Christi 2.61 2.03 144,293 31.43 61.95
Farmers State Bank of Adams Minn. 2.61 2.54 73,922 21.28 36.77
First Eagle Bank Hanover Park, Ill. 2.61 1.15 322,423 21.03 38.31
Heartland Bank Somers, Iowa 2.61 2.82 93,131 19.83 53.98
59 Citizens State Bank of Cheney Kan. 2.60 1.89 47,602 20.20 46.18
Sargent County Bank Forman, N.D. 2.60 2.63 84,325 20.09 29.21
61 Citizens Bank of Oregon Mo. 2.59 0.16 20,046 26.00 105.93
Farmers and Merchants Bank of Kendall Wis. 2.59 2.98 56,927 25.38 39.00
Riverside Bank Sparkman, Ark. 2.59 2.43 53,482 32.55 50.00
64 Bank of Tullahoma Tenn. 2.58 0.14 99,338 16.37 91.16
65 First State Bank Watonga, Okla. 2.57 2.61 40,463 22.27 54.11
St. Martin Bank and Trust Co. St. Martinville, La. 2.57 2.65 306,260 21.49 52.71
67 Premier Bank Rock Valley, Iowa 2.56 2.14 204,771 25.07 33.98
68 Bank of the Wichitas Snyder, Okla. 2.55 1.94 120,308 25.93 56.75
The Bank Oberlin, Kan. 2.55 2.69 182,672 25.25 36.67
State Bank of Wynnewood Okla. 2.55 2.11 60,618 20.01 52.45
71 Allied Bank Mulberry, Ark. 2.54 1.36 181,298 28.96 57.66
Farmers and Merchants State Bank Plankinton, S.D. 2.54 2.40 68,683 26.58 42.74
73 Senath State Bank Mo. 2.52 2.40 57,777 16.83 49.18
West Texas State Bank Snyder 2.52 1.70 118,967 25.75 53.61
75 Pioneer Trust Bank Salem, Ore. 2.51 2.49 273,089 16.69 33.85
76 Oklahoma State Bank Buffalo 2.50 2.58 42,606 32.36 57.70
77 Bank of Bloomsdale Mo. 2.48 2.95 184,141 27.03 39.91
First National Bank of Picayune Miss. 2.48 2.78 210,148 22.62 51.06
MontroseBank Colo. 2.48 2.71 205,238 24.96 51.84
Ruby Valley National Bank Twin Bridges, Mont. 2.48 1.69 72,179 20.08 53.50
Sandhills State Bank Bassett, Neb. 2.48 0.14 30,244 19.47 88.58
82 First National Bank Fabens, Texas 2.44 2.56 309,695 32.40 43.44
Security Bank and Trust Co. Paris, Tenn. 2.44 2.11 172,917 27.24 40.30
State Bank of New Richland Minn. 2.44 3.25 81,940 30.58 40.27
85 First State Bank Camargo, Okla. 2.42 2.61 39,586 31.45 44.26
First State Bank Chico, Texas 2.42 1.92 209,759 31.48 47.03
87 First State Bank of Colfax Iowa 2.41 2.23 69,013 16.66 29.60
Yellowstone Bank Laurel, Mont. 2.41 3.04 426,901 14.12 39.22
89 Bank of Baker Mont. 2.40 2.70 102,953 26.98 36.23
State Bank of Scotia Neb. 2.40 2.58 25,396 8.97 46.15
State Bank of Texas Dallas 2.40 1.16 624,562 17.70 26.17
92 Friendly Hills Bank Whittier, Calif. 2.39 -2.62 90,214 15.62 91.10
93 Citizens Bank Carthage, Tenn. 2.37 1.31 501,513 14.94 27.00
94 Brunswick State Bank Neb. 2.36 2.58 70,124 25.69 43.63
Citizens State Bank of Clayton Wis. 2.36 3.11 81,760 32.11 51.56
96 Citizens State Bank Corrigan, Texas 2.35 1.72 98,933 21.78 51.64
First Bank of Berne Ind. 2.35 2.04 406,507 24.49 46.27
98 Intracoastal Bank Palm Coast, Fla. 2.34 -0.97 95,940 16.16 81.86
Lusk State Bank Wyo. 2.34 1.63 40,797 25.75 57.88
100 Alva State Bank and Trust Co. Okla. 2.33 1.10 182,935 14.12 44.61
Brighton Bank Salt Lake City 2.33 3.46 151,651 17.14 63.13
Campbell County Bank Herreid, S.D. 2.33 1.58 95,610 20.24 64.17
First State Bank Huntsville, Texas 2.33 2.05 153,845 22.69 46.86
Lamar Bank and Trust Co. Mo. 2.33 2.38 119,511 25.40 50.64
West Texas State Bank Odessa 2.33 2.39 259,048 21.30 59.83
106 Bank of Las Vegas N.M. 2.32 2.91 186,714 27.97 50.52
Citizens National Bank at Brownwood Texas 2.32 1.94 171,697 18.65 50.76
Commercial State Bank of Wagner S.D. 2.32 1.27 121,926 22.48 43.78
First State Bank Valliant, Okla. 2.32 2.10 59,029 22.75 53.35
First Whitney Bank and Trust Atlantic, Iowa 2.32 2.55 137,991 21.47 36.82
New Era Bank Fredericktown, Mo. 2.32 2.29 273,001 20.68 39.60
Security Bank of Southwest Missouri Cassville 2.32 1.80 65,110 22.67 56.54
113 First Bank Upper Michigan Gladstone 2.31 2.54 165,174 14.88 52.51
Heritage State Bank Lawrenceville, Ill. 2.31 2.60 92,249 29.05 45.67
115 American Interstate Bank Elkhorn, Neb. 2.30 1.86 104,453 28.49 41.17
Bank of Rison Ark. 2.30 2.80 28,980 12.81 47.52
Deposit Bank of Carlisle Ky. 2.30 2.74 71,350 8.87 44.64
First National Bank Sallisaw, Okla. 2.30 1.38 207,203 15.04 49.18
119 Citizens State Bank of Choteau Fairfield, Mont. 2.29 2.32 165,974 11.84 48.73
Farmers Bank Hardinsburg, Ky. 2.29 2.02 93,361 10.69 42.19
121 American State Bank Sioux Center, Iowa 2.28 1.86 483,120 23.06 40.00
Athol-Clinton Co-operative Bank Athol, Mass. 2.28 -0.60 92,084 22.74 105.97
Farmers State Bank Allen, Okla. 2.28 2.12 38,473 21.94 57.83
Marion County State Bank Pella, Iowa 2.28 2.28 217,738 25.66 35.34
Pony Express Bank Liberty, Mo. 2.28 1.46 149,183 18.70 41.79
126 Bank of Prague Neb. 2.27 1.34 18,988 12.47 50.43
Morris State Bank Okla. 2.27 2.05 64,083 26.64 52.33
128 First State Bank of Beecher City Ill. 2.26 2.43 52,516 16.90 48.55
Payne County Bank Perkins, Okla. 2.26 2.40 114,742 13.17 48.32
Southwest National Bank Wichita 2.26 2.09 358,667 25.60 53.01
131 1st Bank and Trust Broken Bow, Okla. 2.25 2.28 108,458 18.69 51.61
Citizens State Bank Okemah, Okla. 2.25 2.08 155,867 27.95 37.50
First National Bank of Bangor Wis. 2.25 1.93 195,367 11.88 22.67
134 Oak Creek Valley Bank Valparaiso, Neb. 2.24 1.74 55,718 20.40 37.98
Quail Creek Bank Oklahoma City 2.24 2.31 437,068 25.02 44.17
136 Alton Bank Mo. 2.23 2.04 48,980 12.87 49.76
Luana Savings Bank Iowa 2.23 2.15 354,157 26.37 32.05
138 Home Bank of California San Diego 2.22 1.26 161,895 23.32 47.32
Security First National Bank of Hugo Okla. 2.22 2.30 104,314 29.47 46.24
United Community Bank of North Dakota Leeds 2.22 0.86 195,863 26.79 46.31
141 Elysian Bank Minn. 2.21 2.47 36,729 21.82 46.55
Waukon State Bank Iowa 2.21 1.69 109,417 19.75 47.52
143 Adrian Bank Mo. 2.20 1.78 107,910 26.02 48.66
Cowboy Bank of Texas Maypearl 2.20 2.04 42,930 24.83 62.00
Peoples Bank Paris, Texas 2.20 1.83 115,268 25.37 64.79
Red River State Bank Halstad, Minn. 2.20 2.18 43,711 21.13 46.00
TrustBank Olney, Ill. 2.20 0.31 157,906 19.59 65.03
Union Bank and Trust Co. Livingston, Tenn. 2.20 2.95 80,357 23.20 47.40
149 Viking State Bank and Trust Decorah, Iowa 2.20 2.18 96,864 22.48 42.38
150 Community Bank Longview, Texas 2.19 2.16 122,468 32.27 56.46
Heritage Bank of Nevada Reno 2.19 1.43 450,927 23.21 34.94
Nebraska State Bank Oshkosh 2.19 2.17 41,867 25.06 55.04
State Bank of St. Jacob Ill. 2.19 2.18 47,437 15.13 43.18
Town and Country Bank of Quincy Ill. 2.19 2.28 125,866 22.99 47.10
Vermillion State Bank Minn. 2.19 2.80 450,478 17.77 26.79
156 Bank of Kremlin Okla. 2.18 1.28 215,212 23.00 44.03
Live Oak Banking Co. Wilmington, N.C. 2.18 -1.83 180,937 23.61 72.50
Municipal Trust and Savings Bank Bourbonnais, Ill. 2.18 2.32 268,576 11.40 37.67
Paducah Bank and Trust Co. Ky. 2.18 1.92 503,367 22.06 55.03
Security Bank Waconia Minn. 2.18 1.36 170,911 24.80 40.55
Security State Bank Sutherland, Iowa 2.18 2.05 69,611 25.97 47.29
Wells Bank of Platte City Mo. 2.18 2.35 80,215 29.33 49.03
163 Citizens National Bank of Wills Point Texas 2.17 2.10 84,428 18.65 51.64
City Savings Bank and Trust Co. De Ridder, La. 2.17 2.09 220,489 18.49 58.73
State Bank Hoxie, Kan. 2.17 1.81 110,592 21.89 49.44
Welcome State Bank Minn. 2.17 2.01 20,753 20.30 54.01
167 Bank of Advance Mo. 2.16 1.94 226,372 14.42 50.03
Bank of the West El Paso 2.16 1.82 856,050 25.11 51.18
Community State Bank Hennessey, Okla. 2.16 2.06 34,278 23.81 69.08
170 Basile State Bank La. 2.15 1.70 51,194 24.06 63.79
Central National Bank of Poteau Okla. 2.15 2.14 197,280 23.59 54.13
First Bank and Trust Co. Wagoner, Okla. 2.15 1.96 228,450 24.29 45.33
173 First Financial Bank El Dorado, Ark. 2.14 1.69 646,268 23.32 57.25
Moorhead State Bank Iowa 2.14 3.08 18,983 10.85 33.79
Morris County National Bank Naples, Texas 2.14 2.51 84,629 24.12 66.25
176 Bank of Dade Trenton, Ga. 2.13 2.22 96,137 26.24 52.04
Flagship Bank Minnesota Wayzata 2.13 0.52 125,906 22.59 99.01
Tipton Latham Bank Mo. 2.13 0.99 86,214 18.38 59.06
179 Buffalo Ridge Bank Beardsley, Minn. 2.12 2.31 36,419 24.23 53.62
Citizens Bank of Las Cruces N.M. 2.12 2.50 374,073 23.79 52.30
Rocky Mountain Bank Wilson, Wyo. 2.12 0.65 323,346 19.54 55.67
182 First National Bank and Trust Elk City, Okla. 2.11 1.85 253,192 19.60 45.99
Pinnacle Bank Sioux City, Iowa 2.11 1.22 56,642 18.41 48.21
Sacramento Deposit Bank 2.11 1.99 61,611 17.33 46.18
Shelby Savings Bank Center, Texas 2.11 1.76 223,999 21.03 54.06
Sound Banking Co. Tacoma 2.11 2.29 52,708 27.29 55.37
Western Commerce Bank Carlsbad, N.M. 2.11 2.32 314,184 21.11 56.63
188 First State Bank Bedias, Texas 2.10 2.59 118,072 19.96 45.74
Iowa State Bank Des Moines 2.10 0.30 290,933 17.45 48.22
McKenzie County Bank Watford City, N.D. 2.10 0.11 67,201 22.66 46.58
Tensas State Bank Newellton, La. 2.10 2.16 114,321 19.88 55.66
192 Bank of Cashton Wis. 2.09 1.13 56,050 21.56 57.43
Community Bank of the Arbuckles Sulphur, Okla. 2.09 2.16 82,410 24.86 59.31
First State Bank Boise City, Okla. 2.09 0.95 46,651 23.48 59.84
Lone Star State Bank Texas 2.09 2.04 44,125 29.62 42.11
Prairie Sun Bank Milan, Minn. 2.09 2.05 27,015 24.11 63.19
Waggoner National Bank of Vernon Texas 2.09 2.29 227,558 15.04 48.22
198 Bank of Montgomery La. 2.08 1.18 154,841 26.47 57.34
First National Bank of Las Animas Colo. 2.08 1.75 230,553 20.75 49.07
200 Shell Lake State Bank Wis. 2.07 2.22 126,038 11.40 43.52

Note: Independent banks and thrifts operating as of June 23, 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. †The return for First Citizens Bank (Luverne, Ala.) was affected by a one-time nonrecurring bargain purchase in the first quarter of 2010.
Source:

SNL Financial
, Charlottesville, Va.
© 2010 American Banker

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