Community Banks with the Highest Return on Average Equity

July 13, 2010, 2:41 p.m. EDT 1 Min Read

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Community Banks with the Highest Return on Average EquityOn March 31, 2010. Dollars in thousands. Published July 13, 2010
Rank		Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank		1Q 2010	1Q 2009	Total assets	Return on average assets	Efficiency ratio
1	First Citizens Bank Luverne, Ala. †	159.17%	12.42%	$238,959	20.78%	5.98%
2	Battle Creek State Bank Neb.	80.00	5.30	28,098	4.97	41.38
3	First State Bank Stockbridge, Ga.	67.31	-16.30	600,134	2.75	42.11
4	Continental Bank Salt Lake City	62.95	29.38	106,296	7.46	18.90
5	Bank of Upson Thomaston, Ga.	57.60	6.31	394,711	5.87	23.85
6	Northern State Bank Ashland, Wis.	50.30	17.50	210,563	3.71	60.88
7	Level One Bank Farmington Hills, Mich.	46.11	-13.63	178,231	4.47	81.95
8	Texas Bank Brownwood	46.07	28.31	270,990	5.12	53.48
9	United Minnesota Bank New London	42.63	1.66	25,447	3.23	58.46
10	Maple Bank Champlin, Minn.	42.42	-60.22	60,625	4.63	42.92
11	Benchmark Bank Plano, Texas	40.56	18.81	342,936	3.75	66.31
12	First State Bank of Burlingame Kan.	38.17	-497.05	33,520	1.36	96.81
13	Vermont State Bank Ill.	37.60	30.36	14,811	3.28	41.40
14	Bank of Union El Reno, Okla.	37.31	29.34	317,237	3.01	37.89
15	First State Bank of St. Joseph Minn.	35.65	11.40	149,936	4.23	28.04
16	Central Bank Stillwater, Minn.	35.21	15.21	837,490	2.63	57.71
17	Bank of Buffalo Ky.	35.13	39.45	63,939	3.26	32.72
18	Bank of Rantoul Ill.	34.11	30.92	193,301	2.82	35.22
19	State Bank of Delphos Kan.	34.04	19.93	38,677	3.02	50.08
20	Farmers Bank Carnegie, Okla.	33.88	34.04	52,066	3.24	44.92
21	Union National Bank Elgin, Ill.	33.77	14.81	478,667	2.88	35.02
22	German-American State Bank German Valley, Ill.	33.71	9.32	170,961	2.91	33.24
23	Virginia Heritage Bank Fairfax	32.95	2.90	380,972	3.07	73.27
24	Profinium Financial, Inc. Truman, Minn.	32.68	-35.47	320,503	2.73	81.77
25	Bitterroot Valley Bank Lolo, Mont.	32.62	20.91	204,287	2.91	30.47
26	Riverside Bank Sparkman, Ark.	32.55	31.14	53,482	2.59	50.00
27	First National Bank Fabens, Texas	32.40	34.94	309,695	2.44	43.44
28	Oklahoma State Bank Buffalo	32.36	35.14	42,606	2.50	57.70
29	Community Bank Longview, Texas	32.27	33.50	122,468	2.19	56.46
30	Union Bank Marksville, La.	32.20	12.75	245,684	2.04	58.64
31	Citizens State Bank of Clayton Wis.	32.11	41.62	81,760	2.36	51.56
32	First State Bank Chico, Texas	31.48	25.66	209,759	2.42	47.03
33	First State Bank Camargo, Okla.	31.45	33.94	39,586	2.42	44.26
34	Charter Bank Corpus Christi	31.43	35.34	144,293	2.61	61.95
35	CFG Community Bank Baltimore	31.40	-140.40	310,555	4.47	38.99
36	National Bank and Trust Co. Wilmington, Ohio	31.19	4.91	716,704	3.44	44.50
37	ANZ Amerika Samoa Bank Pago Pago, American Samoa	30.93	3.66	132,884	3.54	90.06
38	State Bank of New Richland Minn.	30.58	45.71	81,940	2.44	40.27
39	mBank Manistique, Mich.	30.32	1.75	502,522	3.00	75.06
40	Bank of Whitman Colfax, Wash.	30.06	2.68	786,466	1.51	60.76
41	Lone Star State Bank Texas	29.62	24.84	44,125	2.09	42.11
42	Security First National Bank of Hugo Okla.	29.47	30.49	104,314	2.22	46.24
43	Wells Bank of Platte City Mo.	29.33	26.60	80,215	2.18	49.03
44	Heritage State Bank Lawrenceville, Ill.	29.05	31.54	92,249	2.31	45.67
45	Allied Bank Mulberry, Ark.	28.96	13.23	181,298	2.54	57.66
46	First Credit Bank Los Angeles	28.60	17.60	484,483	6.20	15.39
47	American Interstate Bank Elkhorn, Neb.	28.49	23.56	104,453	2.30	41.17
48	Bank of Las Vegas N.M.	27.97	35.62	186,714	2.32	50.52
49	Citizens State Bank Okemah, Okla.	27.95	26.57	155,867	2.25	37.50
50	Farmers and Merchants Bank of Mound City Kan.	27.93	19.28	39,376	1.87	67.29
51	Northeast Bank Minneapolis	27.63	4.37	389,654	2.69	61.42
52	Sound Banking Co. Tacoma	27.29	29.22	52,708	2.11	55.37
53	Security Bank and Trust Co. Paris, Tenn.	27.24	20.86	172,917	2.44	40.30
54	Bank of Bloomsdale Mo.	27.03	35.49	184,141	2.48	39.91
55	Bank of Baker Mont.	26.98	31.45	102,953	2.40	36.23
56	United Community Bank of ND Leeds	26.79	12.01	195,863	2.22	46.31
57	Morris State Bank Okla.	26.64	25.01	64,083	2.27	52.33
58	Farmers and Merchants State Bank Plankinton, S.D.	26.58	25.44	68,683	2.54	42.74
59	Bank of Montgomery La.	26.47	14.59	154,841	2.08	57.34
60	Luana Savings Bank Iowa	26.37	34.69	354,157	2.23	32.05
61	Bank of Dade Trenton, Ga.	26.24	32.52	96,137	2.13	52.04
62	Adrian Bank Mo.	26.02	21.94	107,910	2.20	48.66
63	Citizens Bank of Oregon Mo.	26.00	1.24	20,046	2.59	105.93
64	Security State Bank Sutherland, Iowa	25.97	21.50	69,611	2.18	47.29
65	Bank of the Wichitas Snyder, Okla.	25.93	25.47	120,308	2.55	56.75
66	Central State Bank Clayton, Ill.	25.87	17.42	86,053	3.38	42.31
67	Lusk State Bank Lusk, Wyo.	25.75	19.49	40,797	2.34	57.88
	West Texas State Bank Snyder	25.75	18.80	118,967	2.52	53.61
69	Brunswick State Bank Neb.	25.69	27.69	70,124	2.36	43.63
70	Marion County State Bank Pella, Iowa	25.66	28.07	217,738	2.28	35.34
71	Southwest National Bank Wichita	25.60	24.63	358,667	2.26	53.01
72	Citizens State Bank Woodville, Texas	25.55	7.02	114,127	2.03	79.51
73	Lamar Bank and Trust Co. Mo.	25.40	25.19	119,511	2.33	50.64
74	Citizens State Bank Grainfield, Kan.	25.38	16.76	10,568	1.63	60.00
	Farmers and Merchants Bank of Kendall Wis.	25.38	30.04	56,927	2.59	39.00
76	Peoples Bank Paris, Texas	25.37	21.78	115,268	2.20	64.79
77	The Bank Oberlin, Kan.	25.25	27.29	182,672	2.55	36.67
78	First National Bank in Cimarron Kan.	25.23	25.35	72,806	2.03	58.22
79	First American Bank Stonewall, Okla.	25.16	21.76	22,833	2.62	54.60
80	Bank of the West El Paso	25.11	21.43	856,050	2.16	51.18
81	Premier Bank Rock Valley, Iowa	25.07	21.50	204,771	2.56	33.98
82	Nebraska State Bank Oshkosh	25.06	23.87	41,867	2.19	55.04
83	Quail Creek Bank Oklahoma City	25.02	27.25	437,068	2.24	44.17
84	First Security Bank-Lake Benton Minn.	24.96	10.31	20,700	2.01	58.94
	MontroseBank Colo.	24.96	27.38	205,238	2.48	51.84
86	Community Bank of the Arbuckles Sulphur, Okla.	24.86	29.71	82,410	2.09	59.31
87	Longview State Bank Sidney, Ill.	24.85	15.63	65,069	1.58	60.79
88	Cowboy Bank of Texas Maypearl	24.83	22.54	42,930	2.20	62.00
89	Security Bank Waconia Minn.	24.80	15.02	170,911	2.18	40.55
90	First State Bank of Le Center Minn.	24.79	19.10	61,940	2.76	52.14
91	First State Bank Commerce, Okla.	24.54	11.03	13,291	1.93	60.31
92	First Bank of Berne Ind.	24.49	23.24	406,507	2.35	46.27
93	Wilburton State Bank Okla.	24.34	33.07	62,297	1.95	55.78
94	First Bank and Trust Co. Wagoner, Okla.	24.29	23.51	228,450	2.15	45.33
95	Marlin Business Bank Salt Lake City	24.28	10.21	111,686	3.87	35.31
96	Buffalo Ridge Bank Beardsley, Minn.	24.23	26.76	36,419	2.12	53.62
97	Securant Bank and Trust Milwaukee	24.21	-3.01	259,156	1.77	71.17
98	Morris County National Bank Naples, Texas	24.12	29.50	84,629	2.14	66.25
99	Prairie Sun Bank Milan, Minn.	24.11	24.94	27,015	2.09	63.19
100	State Savings Bank Creston, Iowa	24.07	23.84	47,439	2.06	47.64
101	Basile State Bank La.	24.06	19.25	51,194	2.15	63.79
102	Auburn Banking Co. Ky.	23.97	23.06	65,648	1.90	58.28
103	PrinsBank Prinsburg, Minn.	23.91	12.57	54,311	2.91	59.89
104	State Bank of Paw Paw Ill.	23.89	10.34	35,303	3.29	62.74
105	Citizens State Bank Miles, Texas	23.88	19.53	80,521	1.66	57.45
106	First Community National Bank Cuba, Mo.	23.84	19.99	212,095	2.06	56.63
107	Community State Bank Hennessey, Okla.	23.81	24.03	34,278	2.16	69.08
108	Citizens Bank of Las Cruces N.M.	23.79	28.12	374,073	2.12	52.30
109	Haverford Trust Co. Radnor, Pa.	23.74	4.58	109,742	3.47	79.90
110	Live Oak Banking Co. Wilmington, N.C.	23.61	-21.82	180,937	2.18	72.50
111	Central National Bank of Poteau Okla.	23.59	23.84	197,280	2.15	54.13
112	Crown Bank Brick, N.J.	23.50	7.04	551,963	2.75	47.44
113	Holladay Bank and Trust Salt Lake City	23.49	-21.86	58,467	2.88	50.11
114	First State Bank Boise City, Okla.	23.48	10.32	46,651	2.09	59.84
115	Bank 7 Oklahoma City	23.45	12.51	116,848	1.86	52.01
116	Farmers Savings Bank Colesburg, Iowa	23.33	17.38	126,301	1.83	44.29
117	First Financial Bank El Dorado, Ark.	23.32	19.13	646,268	2.14	57.25
	Home Bank of California San Diego	23.32	14.63	161,895	2.22	47.32
119	Heritage Bank of Nevada Reno	23.21	13.81	450,927	2.19	34.94
120	Union Bank and Trust Co. Livingston, Tenn.	23.20	31.70	80,357	2.20	47.40
121	Ericson State Bank Neb.	23.16	14.26	52,224	1.67	47.96
122	King Southern Bank Chaplin, Ky.	23.13	15.87	168,768	1.65	56.92
123	American State Bank Sioux Center, Iowa	23.06	18.93	483,120	2.28	40.00
124	Bank of Kremlin Okla.	23.00	13.97	215,212	2.18	44.03
125	Town and Country Bank of Quincy Ill.	22.99	23.48	125,866	2.19	47.10
126	FirstBank Antlers, Okla.	22.92	21.66	198,815	1.93	62.88
127	State Exchange Bank Lamont, Okla.	22.86	20.38	67,125	1.82	34.91
128	Grand Marais State Bank Minn.	22.76	21.01	65,386	2.00	58.17
129	First State Bank Valliant, Okla.	22.75	22.16	59,029	2.32	53.35
	Planters Bank Hopkinsville, Ky.	22.75	19.77	524,975	1.86	50.73
131	Athol-Clinton Co-operative Bank Athol, Mass.	22.74	-5.51	92,084	2.28	105.97
132	First State Bank Huntsville, Texas	22.69	20.52	153,845	2.33	46.86
133	Houston Community Bank	22.68	22.51	234,852	2.05	57.54
134	Security Bank of Southwest Missouri Cassville	22.67	18.41	65,110	2.32	56.54
135	First National Bank and Trust Co. of Vinita Okla.	22.66	23.77	231,986	1.93	63.95
	McKenzie County Bank Watford City, N.D.	22.66	1.48	67,201	2.10	46.58
137	Corydon State Bank Iowa	22.64	22.58	69,361	3.74	20.98
138	First National Bank of Picayune Miss.	22.62	26.89	210,148	2.48	51.06
139	Flagship Bank Minnesota Wayzata	22.59	5.92	125,906	2.13	99.01
140	Town and Country Bank Midwest La Belle, Mo.	22.55	17.14	22,432	2.05	53.23
141	Surety Bank Deland, Fla.	22.49	9.81	138,598	1.57	42.99
142	Commercial State Bank of Wagner S.D.	22.48	11.68	121,926	2.32	43.78
	Viking State Bank and Trust Decorah, Iowa	22.48	23.16	96,864	2.20	42.38
144	Union Bank of Mena Ark.	22.46	24.82	164,321	1.96	61.72
145	Phelps County Bank Rolla, Mo.	22.45	22.76	256,924	1.71	64.16
146	People's Bank of Seneca Mo.	22.42	19.30	84,200	1.59	53.41
147	First National Bank Arcadia, La.	22.35	28.90	194,443	1.70	68.52
148	Central Bank of Kansas City Mo.	22.32	9.67	186,480	3.16	48.64
149	First State Bank Watonga, Okla.	22.27	23.53	40,463	2.57	54.11
150	First State Bank Ida Grove, Iowa	22.23	21.38	115,380	1.85	48.17
151	Peoples Bank of Kankakee County Bourbonnais, Ill.	22.19	24.41	190,242	1.78	55.33
152	Paducah Bank and Trust Co. Ky.	22.06	22.59	503,367	2.18	55.03
153	Fife Commercial Bank Wash.	22.02	20.18	90,660	1.99	56.53
154	Huntington State Bank Texas	22.01	12.35	268,209	1.66	68.12
	Metropolitan Bank Oakland, Calif.	22.01	12.43	151,837	1.86	52.60
156	DMB Community Bank De Forest, Wis.	21.96	9.88	359,952	1.76	51.83
157	Farmers State Bank Allen Okla.	21.94	23.34	38,473	2.28	57.83
	South Lafourche Bank and Trust Co. Larose, La.	21.94	22.67	150,184	1.83	56.84
	Valley Bank of Commerce Roswell, N.M.	21.94	29.30	111,627	1.85	52.74
160	First National Bank of Burleson Texas	21.90	28.97	165,859	1.95	56.91
161	Garden City State Bank Kan.	21.89	14.82	59,609	2.66	49.72
	State Bank Hoxie, Kan.	21.89	18.84	110,592	2.17	49.44
163	Elysian Bank Minn.	21.82	25.36	36,729	2.21	46.55
164	Citizens State Bank Corrigan, Texas	21.78	16.38	98,933	2.35	51.64
165	American Bank of the North Nashwauk, Minn.	21.74	17.25	666,740	1.84	52.24
166	First National Bank of Evant Texas	21.73	14.00	57,773	1.84	60.97
167	Security State Bank Ansley, Neb.	21.72	19.11	76,545	1.83	61.52
168	Four Corners Community Bank Farmington, N.M.	21.65	16.97	199,365	1.97	47.02
169	First National Bank of Muskogee Okla.	21.64	17.77	147,496	1.83	61.55
170	Community Bank of Cameron Wis.	21.62	22.39	101,352	1.65	53.54
171	Mainland Bank Texas City	21.57	25.03	91,988	1.82	62.70
172	Bank of Cashton Wis.	21.56	10.69	56,050	2.09	57.43
173	Alamosa State Bank Colo.	21.55	25.30	159,659	1.97	50.21
174	First State Bank Avinger, Texas	21.53	22.51	24,269	1.43	52.31
175	Community State Bank Spencer, Iowa	21.52	23.62	116,451	1.76	54.62
176	St. Martin Bank and Trust Co. St. Martinville, La.	21.49	24.00	306,260	2.57	52.71
177	First State Bank in Temple Okla.	21.48	27.94	23,274	3.84	37.53
178	First Whitney Bank and Trust Atlantic, Iowa	21.47	24.89	137,991	2.32	36.82
179	Sabine State Bank and Trust Co. Many, La.	21.39	17.31	678,163	1.55	60.33
180	First and Farmers Bank Portland, N.D.	21.34	6.39	43,490	1.65	71.97
181	First Internet Bank of Indiana Indianapolis	21.33	-1.42	507,733	1.88	52.82
182	West Texas State Bank Odessa	21.30	23.54	259,048	2.33	59.83
183	State Bank of Hawley Minn.	21.29	26.47	80,326	1.85	59.61
184	Farmers State Bank of Adams Minn.	21.28	21.73	73,922	2.61	36.77
185	First State Bank Louise, Texas	21.27	23.07	233,115	1.81	62.06
186	Grand Savings Bank Grove, Okla.	21.20	21.93	219,766	2.03	54.68
187	Clinton State Bank Minn.	21.14	24.23	62,220	2.79	30.84
188	First National Bank of Central Texas Waco	21.13	21.56	496,370	1.77	54.62
	Peoples State Bank McDonald, Kan.	21.13	18.94	101,378	1.75	51.23
	Red River State Bank Halstad, Minn.	21.13	21.84	43,711	2.20	46.00
191	State Bank of Kimball Minn.	21.12	26.97	69,810	1.89	53.77
192	Western Commerce Bank Carlsbad, N.M.	21.11	24.85	314,184	2.11	56.63
193	Jonesburg State Bank Mo.	21.10	19.79	68,866	1.65	60.32
194	First Eagle Bank Hanover Park, Ill.	21.03	10.34	322,423	2.61	38.31
	Shelby Savings Bank Center, Texas	21.03	25.03	223,999	2.11	54.06
196	NewFirst National Bank El Campo, Texas	21.01	20.08	421,873	1.82	63.39
197	Bank of DeSoto Texas	20.96	20.67	158,262	1.99	57.82
198	First Security Bank-Sleepy Eye Minn.	20.90	0.86	154,690	1.83	60.71
199	Delta Bank Vidalia, La.	20.83	25.17	197,589	1.60	62.76
200	River City Bank, Inc. Louisville, Ky.	20.76	4.90	257,465	3.04	42.00

Note: List includes independent banks 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. List includes independent banks that were operating as of June 23, 2010. 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