Community Banks with the Highest Return on Average Equity

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Community Banks with the Highest Return on Average Equity

Community Banks with the Highest Return on Average EquityOn Sept. 30, 2010. Dollars in thousands.
Published January 11, 2011

Rank Return on average equity Total
assets
Return on
average assets
Efficiency
ratio
3Q 2010 3Q 2009
1 Roundbank Waseca, Minn. 106.17% 11.17% $305,083 9.10% 19.69%
2 Borrego Springs Bank La Mesa, Calif. 79.07 5.02 158,218 5.46 53.23
3 First National Bank Goodland, Kan. 77.65 -29.96 248,078 4.53 50.69
4 Hyperion Bank Philadelphia 77.18 -15.13 90,229 7.31 101.96
5 Live Oak Banking Co. Wilmington, N.C. 71.67 29.93 207,392 6.01 45.00
6 American Trust Bank Kirksville, Mo. 67.51 -14.13 36,075 6.19 65.26
7 Bank of Cape Cod Hyannis, Mass. 66.01 7.36 114,022 6.06 90.21
8 Continental Bank Salt Lake City 64.10 53.26 102,870 10.81 19.82
9 SunSouth Bank Dothan, Ala. 59.35 -12.83 222,389 4.95 48.11
10 River Community Bank Martinsville, Va. 58.33 -3.36 98,232 5.57 27.93
11 Plaza Bank Irvine, Calif. 56.23 -15.11 360,034 6.07 33.35
12 Almena State Bank Kan. 48.96 50.00 21,598 3.27 60.54
13 Citizens State Bank of Clayton Wis. 48.91 29.68 90,453 3.84 41.12
14 Bank Northwest Hamilton, Mo. 48.70 22.99 90,260 4.29 46.09
15 First Bank and Trust New Orleans 47.26 -4.59 954,527 3.08 114.42
16 Benchmark Bank Plano, Texas 47.15 47.91 379,183 4.55 60.87
17 Border Trust Co. Augusta, Maine 46.37 -29.04 61,580 2.44 65.75
18 PlantersFirst Cordele, Ga. 44.75 -12.84 312,426 1.53 82.43
19 First Tuskegee Bank Ala. 44.71 21.75 71,751 3.64 60.23
20 Goodfield State Bank Ill. 44.35 3.17 66,427 4.78 32.57
21 First State Bank of Northwest Arkansas Huntsville 43.64 6.50 79,097 6.54 30.55
22 Security State Bank Ansley, Neb. 42.48 47.85 88,683 3.62 58.59
23 Bank of the Orient San Francisco 42.45 -12.48 674,920 3.66 47.17
24 Brunswick State Bank Neb. 41.62 21.27 72,559 3.95 40.78
25 Northern State Bank Ashland, Wis. 40.03 16.79 219,306 3.21 67.98
26 West Town Savings Bank Cicero, Ill. 39.14 -3.23 107,814 3.51 71.04
27 United Community Bank of North Dakota Leeds 38.62 28.33 203,642 3.05 39.69
28 Heritage State Bank Lawrenceville, Ill. 37.84 31.07 83,613 3.14 46.29
29 Community Bank Longview, Texas 36.05 33.29 128,593 2.55 50.12
30 Bank of Buffalo Ky. 35.86 35.88 66,246 3.32 31.58
31 Brannen Bank Inverness, Fla. 35.62 14.96 446,098 2.68 66.68
32 Wilson State Bank Kan. 35.30 16.62 63,951 3.91 61.02
33 First State Bank Armour, S.D. 34.79 27.22 85,969 2.85 50.08
34 Golden Coast Bank Long Beach, Calif. 34.33 -118.54 30,530 6.50 273.31
35 Riverside Bank Sparkman, Ark. 33.96 23.16 57,538 2.70 46.22
36 Charter Bank Corpus Christi, Texas 33.25 42.16 151,308 2.77 54.35
37 Progress Bank and Trust Huntsville, Ala. 32.64 -2.06 305,545 3.77 78.30
38 Citizens State Bank Miles, Texas 32.31 23.74 78,707 2.54 47.56
39 Central State Bank Clayton, Ill. 32.00 13.08 87,364 4.47 31.23
40 FirstBank Antlers, Okla. 31.73 25.29 196,453 2.61 62.04
41 Peoples State Bank Blair, Okla. 31.62 23.82 15,765 3.44 50.19
42 F&M Bank West Point, Neb. 31.56 3.53 243,985 1.96 66.02
43 Eagle Valley Bank St. Croix Falls, Wis. 31.29 -54.85 190,011 1.26 114.72
44 Farmers and Merchants Bank of Kendall Wis. 31.27 35.16 57,385 3.37 30.93
45 First Financial Bank El Dorado, Ark. 31.20 22.13 687,542 2.87 51.21
46 Grand Bank Hamilton, N.J. 30.84 4.20 392,711 2.65 83.83
47 Bank of Baker Mont. 30.72 33.35 107,781 2.63 34.00
48 Farmers and Merchants State Bank of Pierz Minn. 30.68 20.25 171,440 2.96 42.86
49 University National Bank St. Paul, Minn. 30.38 26.48 192,780 2.88 40.62
50 Bank of Bloomsdale Mo. 30.26 21.26 186,551 3.00 34.72
51 Security State Bank Sutherland, Iowa 30.21 22.67 74,130 2.52 40.72
52 Great Plains National Bank Elk City, Okla. 30.17 21.57 340,522 2.78 53.52
53 State Bank of Southwest Missouri Springfield 30.04 12.62 89,385 2.21 68.11
54 Lone Star State Bank Texas 29.66 32.10 43,225 2.06 42.30
55 First National Bank Fabens, Texas 29.62 35.80 294,110 2.33 47.25
56 Leader Bank Arlington, Mass. 29.56 8.31 353,693 2.97 36.76
57 Wilburton State Bank Okla. 29.53 33.23 60,976 2.54 52.69
58 Crown Bank Brick, N.J. 29.17 33.22 536,335 3.54 42.06
59 First Star Bank SSB Bremond, Texas 29.12 17.78 218,219 2.49 55.92
60 Spring Bank Brookfield, Wis. 28.84 -1.71 102,739 3.17 59.73
61 McKenzie County Bank Watford City, N.D. 28.74 23.92 74,808 2.32 42.86
62 Neighborhood National Bank San Diego 28.53 22.43 131,926 1.91 60.93
63 Bank of Montgomery La. 28.46 18.91 166,804 2.36 53.60
64 CCB Community Bank Andalusia, Ala. 28.44 12.70 392,871 2.42 45.49
65 Mainland Bank Texas City 28.36 25.31 99,495 2.42 56.40
66 Prairie State Bank and Trust Mount Zion, Ill. 28.09 19.91 548,899 2.45 50.46
67 Nebraska State Bank Oshkosh 28.05 20.94 46,273 2.59 53.05
68 Security Bank and Trust Co. Paris, Tenn. 27.93 23.59 165,759 2.57 39.28
69 Farmers and Merchants State Bank of Blooming Prairie Minn. 27.71 27.53 71,941 2.22 55.75
70 Oklahoma State Bank Buffalo 27.57 28.52 45,844 2.01 60.45
71 Sound Banking Co. Tacoma, Wash. 27.42 26.12 54,044 2.01 54.90
72 Kaw Valley State Bank and Trust Co. Wamego, Kan. 27.39 12.17 131,097 3.13 66.49
73 Merchants and Farmers Bank of Salisbury Mo. 27.35 -16.99 96,602 2.47 48.61
74 Citizens State Bank Grainfield, Kan. 27.09 27.32 10,165 2.02 54.31
75 Ruby Valley National Bank Twin Bridges, Mont. 26.96 14.09 72,091 3.66 42.07
76 Brush Country Bank Freer, Texas 26.94 23.85 38,931 2.56 53.93
77 American Interstate Bank Elkhorn, Neb. 26.89 -6.42 117,751 2.20 41.05
78 Community Bank of Raymore Mo. 26.84 11.56 146,904 2.57 60.64
79 Texas Bank Brownwood 26.77 32.02 280,073 3.42 49.37
80 Farmers and Merchants State Bank Plankinton, S.D. 26.72 25.17 71,174 2.80 42.92
81 Premier Bank Rock Valley, Iowa 26.62 21.74 215,356 2.75 32.98
82 First American Bank Stonewall, Okla. 26.57 23.97 22,756 2.84 53.25
83 Dakota Heritage Bank of North Dakota Hunter 26.52 16.44 111,020 2.67 49.13
84 Bank of England Ark. 26.49 17.68 212,702 2.58 76.15
85 Citizens State Bank Okemah, Okla. 26.37 21.14 136,160 2.25 39.60
86 First Century Bank Gainesville, Ga. 26.36 -10.25 74,222 2.22 77.40
87 First State Bank Camargo, Okla. 26.34 39.97 43,481 1.99 42.24
North Shore Bank of Commerce Duluth, Minn. 26.34 14.85 221,591 1.69 73.72
89 Southwest National Bank Wichita, Kan. 26.30 24.57 348,021 2.39 53.55
90 Bank of Rantoul Ill. 26.21 -33.63 195,053 2.31 36.24
91 Liberty State Bank Powers Lake, N.D. 26.16 18.60 47,003 2.25 39.16
92 Bank of San Antonio 25.95 1.95 170,237 4.12 80.88
93 Bank of the West El Paso, Texas 25.84 20.06 866,741 2.24 49.26
94 Crestmark Bank Troy, Mich. 25.74 11.07 232,475 3.11 61.42
95 Dakota Community Bank Hebron, N.D. 25.73 18.57 440,105 1.96 59.09
96 Wells Bank of Platte City Mo. 25.67 28.37 84,954 2.06 50.15
97 First Bank of Berne Ind. 25.55 24.37 421,363 2.50 45.38
98 State Savings Bank Creston, Iowa 25.48 24.95 50,694 2.22 46.28
99 State Bank of New Richland Minn. 25.37 37.33 84,743 2.34 42.09
100 Farmers and Merchants Bank Milligan, Neb. 25.34 12.70 47,484 2.40 50.87
First National Bank of Waseca Minn. 25.34 15.50 112,622 2.66 51.81
102 Bank of Kremlin Okla. 25.31 21.58 230,476 2.36 42.69
103 Farmers Savings Bank Colesburg, Iowa 25.29 22.77 126,244 2.17 39.17
104 Middletown State Bank Ill. 25.28 20.98 24,804 2.01 45.92
105 Heartland State Bank Redfield, S.D. 25.18 23.43 63,592 2.09 63.57
106 The Bank Oberlin, Kan. 25.11 18.14 185,208 2.52 40.67
107 Marlin Business Bank Salt Lake City 25.04 20.89 124,039 3.77 31.80
108 Grand Marais State Bank Minn. 24.90 24.63 71,920 2.04 57.49
109 Morris State Bank Okla. 24.88 19.56 63,971 2.22 54.20
110 First Tri-County Bank Swanton, Neb. 24.87 14.67 49,995 2.08 53.73
111 Luana Savings Bank Iowa 24.85 13.20 378,575 2.21 37.93
112 Purdum State Bank Neb. 24.79 8.42 19,693 3.22 53.80
113 Bank of Mauston Wis. 24.77 18.98 243,727 2.70 39.77
Lamar Bank and Trust Co. Mo. 24.77 23.05 118,284 2.39 50.10
115 Auburn Banking Co. Ky. 24.75 24.58 65,738 1.95 56.37
116 Buffalo Ridge Bank Beardsley, Minn. 24.74 20.08 36,156 2.06 54.79
117 Petersburg State Bank Neb. 24.67 22.85 31,355 1.96 50.49
118 Viking State Bank and Trust Decorah, Iowa 24.57 22.54 101,100 2.61 41.49
119 Union Bank of Mena Ark. 24.56 27.23 163,659 2.34 58.62
120 Midwest Bank Detroit Lakes, Minn. 24.52 14.18 255,094 2.36 51.60
121 Bank of Fairfield Wash. 24.50 1.64 128,796 2.29 70.72
122 Bank of Milton Wis. 24.18 21.50 66,905 2.11 54.23
123 Farmers and Merchants Bank Maysville, Okla. 24.16 21.37 17,586 2.15 49.20
124 Western Commerce Bank Carlsbad, N.M. 24.12 23.22 324,807 2.33 54.86
125 Kirkwood Bank and Trust Co. Bismarck, N.D. 24.11 5.96 159,353 1.95 69.57
126 First National Bank of Muskogee Okla. 24.03 20.94 156,414 2.03 62.37
127 Guaranty Bond Bank Mount Pleasant, Texas 23.98 21.03 944,842 2.10 58.23
128 Prime Bank Edmond, Okla. 23.94 6.31 84,860 2.26 53.79
129 Peoples State Bank McDonald, Kan. 23.93 6.94 102,676 2.01 55.94
130 Pinnacle Bank Sioux City Iowa 23.82 18.18 62,012 2.72 43.73
131 First State Bank of Brownsboro Texas 23.74 22.39 90,804 2.06 65.57
132 Commercial Capital Bank Delhi, La. 23.71 15.43 41,433 2.71 52.59
133 First State Bank Barboursville, W.Va. 23.68 19.36 229,626 1.97 57.38
134 Peoples Bank Paris, Texas 23.64 25.29 113,286 2.16 66.35
135 Citizens National Bank of Bluffton Ohio 23.59 20.71 553,039 2.05 56.79
136 First State Bank Louise, Texas 23.55 29.03 260,562 1.97 59.08
137 Ouachita Independent Bank Monroe, La. 23.54 19.79 483,113 2.01 60.43
138 Exchange Bank Gibbon, Neb. 23.52 23.97 206,636 2.04 40.92
139 Citizens State Bank of Finley N.D. 23.51 17.19 117,753 2.05 56.96
140 Citizens Bank of Las Cruces N.M. 23.47 27.23 384,629 2.17 57.59
141 Landmands Bank Audubon, Iowa 23.43 25.75 54,709 2.63 55.66
142 Farmers State Bank Algona, Iowa 23.31 8.60 84,104 1.93 54.33
143 Town and Country Bank of Quincy Ill. 23.29 23.07 111,334 2.49 46.16
144 Lone Star Bank SSB Moulton, Texas 23.28 12.27 206,901 1.82 56.46
145 Farmers and Merchants State Bank of Cawker City Kan. 23.26 26.08 15,980 1.96 52.22
146 Lusk State Bank Wyo. 23.23 24.13 43,703 2.18 52.41
147 Community Bank Bristow, Okla. 23.22 20.58 67,632 1.66 58.91
Corydon State Bank Iowa 23.22 13.52 70,883 3.82 22.32
First State Bank Boise City, Okla. 23.22 15.01 49,888 2.19 52.48
150 First State Bank of Forrest Ill. 23.21 16.88 62,823 2.08 50.83
151 Union Bank and Trust Co. Livingston, Tenn. 23.20 23.23 80,054 2.52 47.91
152 MontroseBank Colo. 23.12 24.90 205,268 2.38 52.03
153 King Southern Bank Chaplin, Ky. 23.11 9.64 172,520 1.90 64.15
154 Sterling Bank Barron, Wis. 23.04 18.14 176,736 1.94 54.45
155 First Bank West Des Moines, Iowa 22.95 -15.81 110,495 0.99 125.76
156 Central National Bank of Poteau Okla. 22.93 23.78 198,911 2.15 55.84
157 Bank of Ontario Wis. 22.87 14.66 31,198 2.33 54.91
158 State Bank of Kimball Minn. 22.81 22.43 71,524 2.10 52.58
159 First National Bank of Oklahoma Ponca City 22.80 15.62 250,108 1.74 59.33
Paducah Bank and Trust Co. Ky. 22.80 24.35 513,827 2.42 54.16
161 Jackson County Bank Black River Falls, Wis. 22.70 14.20 218,421 2.17 43.70
162 Horizon Bank SSB Austin 22.69 16.26 208,875 2.02 64.75
163 ACB Bank Cherokee, Okla. 22.65 7.78 66,016 1.72 57.84
164 First Security Bank-Sleepy Eye Minn. 22.60 -0.33 157,381 2.60 55.97
165 Farmers State Bank and Trust Co. Church Point, La. 22.57 21.07 88,497 2.02 68.89
166 Adrian Bank Adrian, Mo. 22.53 28.50 110,609 1.97 53.88
167 First Whitney Bank and Trust Atlantic, Iowa 22.50 22.01 145,219 2.61 33.19
168 Marion County State Bank Pella, Iowa 22.47 22.58 218,224 2.24 37.64
169 City Bank of Hartford Ala. 22.42 21.87 58,145 2.05 57.19
170 Red River State Bank Halstad, Minn. 22.41 19.71 45,537 2.29 52.68
171 Heights Bank Peoria Heights, Ill. 22.37 20.90 39,992 2.29 47.92
172 First State Bank Ida Grove, Iowa 22.36 19.21 117,612 2.03 49.71
173 Star Bank of Texas Lake Worth 22.34 12.86 106,660 2.14 58.98
174 Pan American Bank Chicago 22.30 26.84 199,543 1.39 60.13
175 Five Points Bank Grand Island, Neb. 22.29 16.58 572,272 2.39 43.96
176 Bank 7 Oklahoma City 22.28 15.86 130,752 1.79 56.76
177 Delta Bank Vidalia, La. 22.27 29.06 205,003 1.84 57.71
178 Great Plains Bank Eureka, S.D. 22.23 18.53 90,452 1.95 49.94
Houston Community Bank 22.23 24.62 243,944 2.03 56.05
180 Bank of Hydro Okla. 22.22 16.92 105,397 1.85 45.80
181 Welcome State Bank Minn. 22.20 26.36 22,239 2.31 52.70
182 Citizens National Bank Henderson, Texas 22.19 10.58 861,340 2.32 63.13
183 Community First Bank of the Heartland Mount Vernon, Ill. 22.18 11.60 84,155 2.33 47.97
Farmers Bank Carnegie, Okla. 22.18 18.09 52,679 2.13 58.72
Independence Bank of Kentucky Owensboro 22.18 17.74 973,200 1.51 51.39
186 Seacoast Commerce Bank Chula Vista, Calif. 22.16 -54.85 128,296 2.00 78.23
187 First Bank Burkburnett, Texas 22.14 19.02 236,451 2.00 60.82
State Bank of Lima Ill. 22.14 18.17 29,121 2.26 51.94
189 First National Bank of Central Texas Waco 22.13 22.46 543,253 1.85 51.95
190 Citizens State Bank Corrigan, Texas 22.09 19.18 99,495 2.44 51.45
191 American State Bank Sioux Center, Iowa 22.05 13.02 499,219 2.23 39.12
Valley Bank of Commerce Roswell, N.M. 22.05 19.72 108,674 1.99 53.53
193 Oak Creek Valley Bank Valparaiso, Neb. 21.99 22.04 58,607 2.48 35.04
194 Plaza Park State Bank Waite Park, Minn. 21.97 18.48 157,764 1.96 56.46
195 Bank of St. Elizabeth Mo. 21.96 19.11 100,532 2.29 46.25
Bank of the Wichitas Snyder, Okla. 21.96 30.33 123,915 2.08 61.36
Clare Bank Platteville, Wis. 21.96 21.68 249,852 2.01 44.25
NewFirst National Bank El Campo, Texas 21.96 17.39 400,044 2.03 61.52
199 First Bank and Trust Co. Wagoner, Okla. 21.94 25.22 221,685 2.05 46.09
200 Farmers State Bank Pittsfield, Ill. 21.86 14.34 231,907 2.19 52.70

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 Dec. 24, 2010. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2011 American Banker