Community Banks with the Highest Return on Average Equity

Published March 30, 2010, 4:45 p.m. EDT

Updated May 05, 2010, 1:31 p.m. EDT

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Community Banks with the Highest Return on Average Equity

Community Banks with the Highest Return on Average EquityOn Dec. 31, 2009. Dollars in thousands. Published March 30, 2010
Rank		Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank		2009	2008	Total assets	Return on average assets	Efficiency ratio
1	Central Bank and Trust Lander, Wyo.	83.92%	25.08%	$157,348	8.22%	28.50%
2	Continental Bank Salt Lake City	47.46	19.80	121,676	5.04	31.36
3	Central Bank Stillwater, Minn.	45.91	16.90	861,034	3.67	33.84
4	Benchmark Bank Plano, Texas	37.42	-5.46	357,315	3.22	65.31
5	Almena State Bank Kan.	36.60	25.56	19,733	2.47	67.67
6	Bank of Buffalo Ky.	35.83	24.73	63,228	3.23	32.78
7	Charter Bank Corpus Christi	35.10	40.17	149,413	2.36	53.40
8	First National Bank Fabens, Texas	34.19	29.84	296,654	2.49	44.77
9	State Bank of Texas Dallas	33.77	32.76	630,938	4.22	10.78
10	State Bank of New Richland Minn.	33.43	29.95	86,860	2.48	43.28
11	Security State Bank Ansley, Neb.	33.30	14.84	75,740	2.62	65.43
12	Central Bank of Kansas City Mo.	32.13	17.13	198,126	3.78	37.37
13	Citizens State Bank of Clayton Wis.	31.56	24.08	81,437	2.34	51.43
14	Sunwest Bank Tustin, Calif.	31.24	1.98	649,937	2.86	41.70
15	Texas Bank Brownwood	31.22	29.65	278,068	2.92	50.12
16	Community Bank Longview, Texas	31.14	34.02	116,369	2.03	61.60
17	Welch State Bank of Welch Okla.	30.40	31.10	201,134	2.35	47.60
18	Oklahoma State Bank Buffalo	30.17	27.98	42,006	2.37	58.68
19	Wilburton State Bank Okla.	29.91	39.54	61,000	2.18	53.38
20	Bank of Bloomsdale Mo.	29.42	30.42	179,146	2.52	38.42
21	Bank of the Wichitas Snyder, Okla.	29.25	19.50	121,621	2.60	53.79
22	Bank of Dade Trenton, Ga.	28.88	36.84	93,176	2.01	52.95
23	UNICO Bank Mineral Point, Mo.	28.57	16.49	200,756	2.37	55.24
24	Bank of Baker Mont.	28.56	36.51	99,974	2.50	40.16
25	Riverside Bank Sparkman, Ark.	28.45	28.94	55,426	2.20	50.88
26	Frontier Bank Davenport, Neb.	27.98	19.16	22,356	2.76	48.86
27	Lone Star State Bank Texas	27.95	24.05	41,398	2.08	45.32
28	Wells Bank of Platte City Mo.	27.86	24.52	77,806	2.25	50.12
29	Citizens Bank of Las Cruces N.M.	27.77	29.18	364,833	2.44	57.78
30	Security First National Bank of Hugo Okla.	27.51	29.89	103,596	2.13	46.14
31	First State Bank Camargo, Okla.	27.17	15.24	38,396	2.20	47.01
32	Farmers and Merchants Bank of Kendall Wis.	27.12	36.04	57,683	2.73	42.77
33	First American Bank Artesia, N.M.	26.80	30.91	577,362	2.13	61.22
	Quail Creek Bank Oklahoma City	26.80	30.00	437,211	2.29	46.85
35	First Valley Bank Seeley Lake, Mont.	26.41	19.21	52,575	2.24	49.47
36	Delta Bank Vidalia, La.	26.11	28.97	193,165	1.99	59.39
37	Lusk State Bank Wyo.	25.87	28.16	41,857	2.23	54.68
38	First National Bank of Burleson Texas	25.67	29.63	168,151	2.27	53.93
39	Auburn Banking Co. Ky.	25.55	28.14	62,694	2.11	59.55
40	Brush Country Bank Freer, Texas	24.83	30.44	33,948	2.26	56.29
41	First National Bank of Picayune Miss.	24.75	32.11	208,812	2.59	49.70
42	First State Bank Louise, Texas	24.68	19.53	228,363	2.09	60.45
43	MontroseBank Colo.	24.59	26.63	201,398	2.42	53.89
44	Bank Northwest Hamilton, Mo.	24.41	26.74	99,083	2.01	52.40
45	Peoples Bank Paris, Texas	24.36	24.62	116,589	2.09	66.07
46	Southwest National Bank Wichita	24.34	26.08	356,723	2.14	51.73
47	Union Bank of Mena Ark.	24.31	24.34	161,970	2.08	61.44
48	National Bank of Andrews Texas	24.30	27.19	101,321	2.43	64.68
49	Valley Bank of Commerce Roswell, N.M.	24.29	27.50	115,596	2.08	50.02
50	The Bank Oberlin, Kan.	24.14	27.83	176,939	2.43	36.94
51	First Bank of Berne Ind.	23.93	22.95	415,717	2.20	47.14
52	Bank of Montgomery La.	23.76	12.61	155,786	1.89	61.28
53	First National Bank Arcadia, La.	23.66	29.79	188,131	1.80	65.53
54	South Lafourche Bank and Trust Co. Larose, La.	23.64	28.26	148,798	1.95	56.19
55	Citizens State Bank Okemah, Okla.	23.63	22.31	154,570	1.89	44.73
56	Peoples State Bank Summit, S.D.	23.53	22.14	46,934	2.11	46.19
57	Lamar Bank and Trust Co. Mo.	23.38	25.57	119,221	2.23	53.05
58	Western Commerce Bank Carlsbad, N.M.	23.34	24.54	314,223	2.27	56.00
59	First American Bank Stonewall, Okla.	23.29	23.33	21,813	2.47	56.68
60	Four Corners Community Bank Farmington, N.M.	23.21	23.93	194,697	1.64	52.11
61	Community Bank Bristow, Okla.	23.20	26.10	64,425	1.68	57.38
62	Crown Bank Brick, N.J.	23.19	6.48	540,198	3.06	45.09
63	Home Bank of California San Diego	23.17	31.73	163,092	2.02	46.55
64	Mainland Bank Texas City	23.12	23.98	97,033	1.96	61.52
65	Westside State Bank Iowa	23.05	17.16	63,654	2.26	53.36
66	Farmers and Merchants State Bank Plankinton, S.D.	23.04	19.80	71,499	2.19	47.62
67	Farmers Bank Carnegie, Okla.	23.03	22.17	50,257	2.33	59.01
	Central National Bank of Poteau Okla.	23.03	25.63	192,028	2.15	55.11
69	Union Bank and Trust Co. Livingston, Tenn.	23.00	24.71	80,360	2.31	49.13
70	First National Bank and Trust Co. of Vinita Okla.	22.73	23.59	223,741	1.99	58.02
71	Bank of the West El Paso	22.70	27.14	817,671	1.91	53.45
72	Paducah Bank and Trust Co. Ky.	22.61	24.32	494,320	2.08	56.31
73	Security State Bank Sutherland, Iowa	22.49	18.70	70,210	2.14	49.06
74	First Bank and Trust Co. Wagoner, Okla.	22.46	25.40	223,480	1.94	51.68
75	First Credit Bank Los Angeles	22.42	15.25	493,871	4.43	8.59
76	Phelps County Bank Rolla, Mo.	22.38	22.19	250,324	1.83	64.74
77	Houston Community Bank	22.33	22.13	234,408	1.90	58.60
78	Farmers Savings Bank Colesburg, Iowa	22.24	19.98	125,112	1.72	46.38
	First Security Bank and Trust Co. Charles City, Iowa	22.24	18.16	406,046	2.06	55.21
80	Sound Banking Co. Tacoma	22.20	31.00	48,941	1.71	64.15
	Marion County State Bank Pella, Iowa	22.20	25.90	218,018	1.86	42.04
	FirstBank Antlers, Okla.	22.20	24.38	194,770	1.98	60.84
83	Nebraska State Bank Oshkosh	22.17	25.14	42,868	1.97	60.25
84	Heritage State Bank Lawrenceville, Ill.	22.15	33.10	87,320	1.80	57.60
85	First State Bank Huntsville, Texas	22.05	20.82	151,499	2.26	47.49
86	Farmers and Merchants State Bank of Blooming Prairie Minn.	22.03	15.65	67,307	1.85	61.35
87	Viking State Bank and Trust Decorah, Iowa	22.01	21.00	100,916	2.10	42.70
88	First State Bank Avinger, Texas	22.00	23.08	22,781	1.60	53.36
89	Bank of Las Vegas N.M.	21.92	27.88	189,506	1.76	53.55
90	First State Bank Barboursville, W.Va.	21.91	15.02	219,708	1.86	60.22
91	Citizens State Bank Grainfield, Kan.	21.72	22.33	9,490	1.76	63.00
92	Farmers and Merchants State Bank of Pierz Minn.	21.67	27.70	174,120	1.81	46.67
93	Community State Bank Hennessey, Okla.	21.57	23.55	33,178	1.88	71.06
94	Alamosa State Bank Colo.	21.55	26.85	157,140	2.09	52.24
95	Country Club Bank Kansas City, Mo.	21.54	21.51	941,533	1.62	77.12
	Security State Bank of Fergus Falls Minn.	21.54	23.23	125,734	1.70	61.46
97	Vermilion Bank and Trust Co. Kaplan, La.	21.42	27.29	108,479	1.86	61.29
	First Whitney Bank and Trust Atlantic, Iowa	21.42	24.00	143,285	2.24	38.23
99	Grand Marais State Bank Minn.	21.41	26.08	65,090	1.90	61.53
100	State Bank of Kimball Minn.	21.40	16.15	70,617	1.92	56.91
101	First Financial Bank El Dorado, Ark.	21.38	22.76	636,763	1.90	61.59
102	Marseilles Bank Ill.	21.29	22.14	35,690	1.91	59.99
103	Guaranty Bond Bank Mount Pleasant, Texas	21.26	22.86	886,344	1.67	63.74
	Basile State Bank La.	21.26	22.23	50,091	1.93	66.08
105	Citizens State Bank Miles, Texas	21.20	16.76	79,830	1.57	61.39
106	Clare Bank Platteville, Wis.	21.09	18.33	241,167	1.89	41.23
107	First National Bank of Central Texas Waco	21.08	24.52	483,637	1.74	57.37
108	American State Bank Osceola, Iowa	21.03	22.81	109,569	1.63	59.35
109	Peoples Bank Mendenhall, Miss.	21.01	19.21	197,965	1.95	56.70
110	Citizens National Bank of Texas Waxahachie	20.90	12.99	507,503	2.02	66.07
111	State Bank of Hawley Minn.	20.89	18.76	81,383	1.80	62.71
112	Jackson County Bank Black River Falls, Wis.	20.88	22.17	211,883	2.04	46.40
113	Citizens National Bank of Bluffton Ohio	20.83	22.31	564,946	1.54	59.13
114	Buffalo Ridge Bank Beardsley, Minn.	20.80	23.60	38,891	1.77	60.17
115	First Bank of Chandler Okla.	20.65	22.93	68,465	2.05	51.50
	Security Bank and Trust Co. Paris, Tenn.	20.65	16.37	165,344	1.99	51.11
117	First Neodesha Bank Kan.	20.62	23.41	65,021	1.62	59.93
	First State Bank Valliant, Okla.	20.62	17.11	58,512	2.00	55.88
	Community Bank of the Arbuckles Sulphur, Okla.	20.62	25.32	78,714	1.56	65.76
120	Farmers and Merchants State Bank of Cawker City Kan.	20.61	21.59	15,383	1.70	59.58
121	Morris State Bank Okla.	20.60	24.17	62,961	1.73	60.59
122	Prairie Sun Bank Milan, Minn.	20.58	24.53	29,384	1.66	67.12
123	Premier Bank Rock Valley, Iowa	20.56	21.20	195,137	2.06	39.42
124	West Texas State Bank Odessa	20.55	23.43	272,597	2.21	58.54
125	Bitterroot Valley Bank Lolo, Mont.	20.54	20.73	208,514	1.63	54.72
	Brady National Bank Texas	20.54	20.27	84,756	1.59	61.89
127	Peoples Community State Bank Doniphan, Mo.	20.53	23.00	122,096	2.57	48.24
128	Cowboy Bank of Texas Maypearl	20.52	22.32	41,676	1.91	64.95
129	Community Bank of Cameron Wis.	20.51	20.59	98,377	1.62	57.76
130	Century Bank of the Ozarks Gainesville, Mo.	20.49	20.34	173,574	1.77	61.51
131	Great Plains Bank Eureka, S.D.	20.45	13.45	82,169	1.82	54.77
132	United Community Bank Chatham, Ill.	20.33	19.38	847,945	1.87	46.77
133	State Savings Bank Creston, Iowa	20.31	20.03	47,729	1.73	54.92
134	Union State Bank of Everest Kan.	20.23	19.80	157,753	1.77	60.21
135	McKenzie County Bank Watford City, N.D.	20.17	17.44	64,037	1.68	47.69
	First State Bank Armour, S.D.	20.17	20.94	84,326	1.77	64.40
137	Vantage Point Bank Fort Washington, Pa.	20.08	-39.59	71,119	1.71	113.03
138	Mediapolis Savings Bank Iowa	20.00	13.35	126,709	1.58	46.47
139	First State Bank Abernathy, Texas	19.98	14.43	23,489	1.85	69.66
140	Liberty State Bank Powers Lake, N.D.	19.96	7.65	40,006	1.85	45.05
141	Heartland State Bank Redfield, S.D.	19.91	3.60	59,082	1.63	70.26
142	NewFirst National Bank El Campo, Texas	19.87	20.22	392,902	1.76	64.19
143	Live Oak Banking Co. Wilmington, N.C.	19.85	NA	129,269	1.80	64.81
144	Taylor County Bank Campbellsville, Ky.	19.81	22.44	136,921	1.86	57.35
145	Citizens State Bank of Waverly Minn.	19.78	22.59	58,721	1.71	60.15
146	United Community Bank of North Dakota Leeds	19.76	19.84	193,678	1.49	53.41
	Vermillion State Bank Minn.	19.76	24.37	447,543	2.38	27.70
148	United Bank Zebulon, Ga.	19.72	19.74	895,898	1.85	51.55
149	St. Martin Bank and Trust Co. St. Martinville, La.	19.68	17.46	312,484	2.29	57.18
150	Commercial State Bank of Wagner S.D.	19.65	12.26	119,346	2.02	48.01
151	First State Bank Scottsbluff, Neb.	19.63	21.63	202,136	1.74	47.91
152	State Bank of Wynnewood Okla.	19.62	15.88	63,406	2.33	53.45
153	Farmers State Bank Allen Okla.	19.60	22.85	37,866	1.90	58.83
154	Brunswick State Bank Neb.	19.59	9.42	69,734	1.78	52.68
155	First State Bank Watonga, Okla.	19.57	20.56	40,116	2.24	60.29
	Clear Lake Bank and Trust Co. Iowa	19.57	18.54	227,194	1.62	57.93
157	Corydon State Bank Iowa	19.50	19.83	69,077	3.07	22.51
158	First Madison Valley Bank Ennis, Mont.	19.47	23.03	124,536	1.59	71.12
159	Welcome State Bank Welcome, Minn.	19.45	19.53	20,859	2.07	59.60
160	First Star Bank SSB Bremond, Texas	19.40	16.92	188,577	1.40	62.35
	New Era Bank Fredericktown, Mo.	19.40	19.86	293,304	2.21	41.94
162	Bank McAlester, Okla.	19.37	21.09	398,549	1.62	59.94
	Citizens National Bank of Wills Point Texas	19.37	18.43	81,168	2.22	51.29
164	Peoples State Bank Blair, Okla.	19.36	17.84	14,972	2.12	68.36
	State Bank of Bellingham Minn.	19.36	15.93	29,853	1.51	49.55
166	First National Bank Waupaca, Wis.	19.30	21.28	705,398	1.84	48.36
167	Farmers Trust and Savings Bank Buffalo Center, Iowa	19.29	21.91	156,021	1.84	51.82
168	Brown County State Bank Mount Sterling, Ill.	19.24	18.73	83,924	1.61	49.44
169	City Savings Bank and Trust Co. De Ridder, La.	19.23	21.67	186,383	2.28	60.59
170	Bank of DeSoto Texas	19.18	23.11	155,615	1.75	58.96
171	Ouachita Independent Bank Monroe, La.	19.16	5.40	444,517	1.58	66.15
172	Adrian Bank Mo.	19.09	20.07	102,897	1.60	57.02
173	Peoples State Bank Westhope, N.D.	19.08	24.58	59,546	1.76	55.74
174	Horizon Bank SSB Austin	19.04	12.82	181,033	1.83	64.74
	International Bank Raton, N.M.	19.04	18.96	315,059	1.57	52.87
	Farmers and Merchants State Bank of Clarkfield Minn.	19.04	18.18	41,067	1.77	62.29
177	Home State Bank Louisville, Neb.	19.02	23.83	83,750	1.91	53.42
178	Texas Savings Bank Snyder	18.88	16.46	127,144	1.48	53.35
179	Community Bank Granbury, Texas	18.87	21.22	468,937	1.67	64.17
180	Wilson and Muir Bank and Trust Co. Bardstown, Ky.	18.85	20.25	395,787	1.75	62.41
181	Lakeside Bank of Salina Okla.	18.83	18.98	30,187	1.74	52.88
182	Dakota Community Bank Hebron, N.D.	18.82	20.18	387,029	1.52	64.18
183	State Bank Hoxie, Kan.	18.80	20.05	109,599	1.86	56.11
	Community First Bank Butler, Mo.	18.80	17.04	122,830	1.67	51.31
185	Peoples Bank of Kankakee County Bourbonnais, Ill.	18.71	13.58	182,869	1.46	54.91
186	Marlin Business Bank Salt Lake City	18.69	NA	103,982	2.86	41.65
187	Basin State Bank Stanford, Mont.	18.68	21.69	129,164	2.03	53.98
	Bank of the West Thomas, Okla.	18.68	18.03	138,801	1.79	58.71
	State Bank and Trust Co. Golden Meadow, La.	18.68	21.97	100,352	1.39	69.67
190	First National Bank of Jeanerette La.	18.62	21.39	164,939	1.52	64.18
	1st Bank and Trust Broken Bow, Okla.	18.62	24.75	109,460	2.17	54.70
192	American Interstate Bank Elkhorn, Neb.	18.58	24.66	108,262	1.47	43.70
	First State Bank of Golva N.D.	18.58	19.88	52,359	1.59	49.14
194	First National Bank in Graham Texas	18.48	24.40	218,594	1.62	55.45
195	First United Bank Dimmitt, Texas	18.42	18.96	896,528	1.65	54.77
196	Luana Savings Bank Iowa	18.39	19.46	336,365	1.37	45.78
197	First National Bank of Hughes Springs Texas	18.38	22.71	163,444	1.80	53.07
198	Peoples Bank Cuba, Mo.	18.33	15.89	180,179	1.73	59.19
199	Middletown State Bank Ill.	18.32	14.02	25,371	1.50	53.82
200	Fort Morgan State Bank Colo.	18.21	10.44	65,635	1.68	64.55

Notes: Independent banks and thrifts operating as of March 26, 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