Community Banks with the Highest Return on Average Equity

July 24, 2013, 7:16 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityYear to date through March 31, 2013. Dollars in thousands. Published July 24, 2013
Rank	Company	Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank	Company	Type of institution	1Q 2013	1Q 2012	Total assets	Return on average assets	Efficiency ratio
1	First National Bank in Howell Mich.	commercial	110.71%	4.43%	$295,337	3.38%	93.35%
2	Bank of Alameda Calif.	commercial	83.29	5.14	264,347	10.11	72.15
3	Farmers and Merchants State Bank of Argonia Kan.	commercial	65.16	17.76	33,127	4.91	42.35
4	Valley Bank Fort Lauderdale, Fla.	commercial	64.57	81.29	107,878	3.77	43.05
5	Guardian Savings Bank FSB West Chester, Ohio	savings	64.27	55.53	815,392	5.68	33.29
6	American Patriot Bank Greeneville, Tenn.	commercial	63.43	5.01	78,716	1.69	70.99
7	CapStone Bank Raleigh, N.C.	commercial	58.38	5.24	370,581	6.60	30.05
8	Fortune Bank Seattle	commercial	58.15	1.35	141,362	7.51	93.25
9	Pan American Bank Los Angeles	commercial	54.35	-38.46	39,606	4.19	68.14
10	Open Bank Los Angeles	commercial	51.59	79.33	220,409	7.03	70.49
11	Northern State Bank Ashland, Wis.	commercial	47.94	15.96	232,981	4.08	34.93
12	Liberty Federal Savings Bank Enid, Okla.	savings	42.12	NA	108,741	1.35	85.70
13	Federal Savings Bank Overland Park, Kan.	savings	41.67	21.42	219,040	4.95	80.41
14	Eastern Savings Bank FSB Hunt Valley, Md.	savings	40.27	NA	465,225	2.42	62.48
15	First Chatham Bank Savannah, Ga.	commercial	39.82	-23.93	430,060	1.33	68.87
16	Monterey County Bank Monterey, Calif.	commercial	38.76	-48.50	216,486	2.22	64.36
17	Fidelity Bank of Florida Merritt Island	commercial	37.41	-44.67	299,597	1.97	71.01
18	Citizens State Bank of La Crosse Wis.	commercial	37.25	34.47	123,935	3.43	44.43
19	Charter Bank Corpus Christi, Texas	commercial	36.52	38.86	225,697	3.17	48.44
20	Live Oak Banking Co. Wilmington, N.C.	commercial	36.48	39.17	369,447	3.98	65.89
21	Morris State Bank Okla.	commercial	35.25	30.41	69,867	3.07	40.78
22	Crescent Bank & Trust New Orleans	commercial	35.16	32.98	819,007	3.98	54.97
23	Republic Bank Bountiful, Utah	commercial	34.60	28.58	609,472	4.35	10.64
24	Bank 7 Oklahoma City	commercial	34.59	27.41	285,760	3.05	42.97
25	PrinsBank Prinsburg, Minn.	commercial	34.02	31.30	116,593	3.21	47.40
26	Bank of Hydro Okla.	commercial	32.67	33.34	122,994	2.57	39.39
27	Bank of Montgomery La.	commercial	32.26	24.85	179,277	3.28	52.69
28	First Financial Bank El Dorado, Ark.	commercial	31.89	33.57	839,675	3.20	51.06
29	CFG Community Bank Lutherville, Md.	commercial	31.14	28.27	593,139	3.46	59.96
30	First State Bank Boise City, Okla.	commercial	31.02	27.99	57,615	2.33	50.58
31	First National Bank Fabens, Texas	commercial	31.00	26.49	319,720	2.96	44.68
32	NewBank Flushing, N.Y.	commercial	30.95	18.07	165,518	3.70	33.03
33	Community Bank Longview, Texas	commercial	30.33	33.52	164,417	2.31	45.88
34	Victory Community Bank Lakeside Park, Ky.	savings	30.22	NA	163,550	3.61	39.12
35	Riverside Bank Sparkman, Ark.	commercial	30.14	34.33	56,780	2.76	49.06
36	Prime Bank Edmond, Okla.	commercial	29.98	28.54	172,967	3.02	42.47
37	Continental Bank Salt Lake City	commercial	29.92	34.09	131,508	6.95	23.84
38	Idaho Trust Bank Boise	commercial	29.72	6.23	74,386	6.91	75.53
39	Security First National Bank of Hugo Okla.	commercial	29.57	28.41	104,158	2.28	47.28
40	Farmers and Merchants Bank of Kendall Wis.	commercial	29.47	10.50	54,354	3.91	40.42
41	Liberty Savings Bank FSB St. Cloud, Minn.	savings	29.20	NA	193,406	2.92	57.19
42	Caldwell Bank & Trust Co. Columbia, La.	commercial	29.19	28.61	106,305	2.66	51.16
43	Peoples State Bank McDonald, Kan.	commercial	29.16	36.08	133,176	2.47	44.56
44	Northside Bank Adairsville, Ga.	commercial	28.83	31.78	133,545	1.57	73.64
45	Noah Bank Elkins Park, Pa.	commercial	28.64	-2.63	246,847	2.36	52.52
46	Security State Bank Sutherland, Iowa	commercial	28.53	28.99	94,545	2.58	36.82
47	TexasBank Brownwood	commercial	28.52	18.94	295,964	3.58	51.75
48	Village Bank St. Francis, Miss.	commercial	28.42	-20.13	173,655	1.32	72.76
49	United Community Bank of North Dakota Leeds	commercial	28.35	27.01	284,662	2.51	41.53
50	Heartland State Bank Redfield, S.D.	commercial	27.62	23.55	74,734	2.76	47.50
51	Farmers State Bank Waterloo, Iowa	commercial	27.61	28.52	485,674	2.26	53.61
52	First Bank of Berne Ind.	commercial	27.55	24.60	501,231	2.71	43.94
53	Goldwater Bank Scottsdale, Ariz.	commercial	27.52	-49.42	126,486	1.36	99.95
54	Heritage State Bank Lawrenceville, Ill.	commercial	27.24	25.01	79,409	2.55	53.01
55	Wells Bank of Platte City Mo.	commercial	27.19	23.57	102,059	2.58	41.30
56	ACB Bank Cherokee, Okla.	commercial	27.13	27.79	75,981	2.48	46.04
57	Great Plains National Bank Elk City, Okla.	commercial	27.11	28.44	453,826	2.56	58.39
58	Magnolia Bank Hodgenville, Ky.	commercial	26.64	9.96	133,249	3.13	69.78
59	Mainland Bank Texas City, Texas	commercial	26.61	-5.05	105,829	2.17	56.33
60	Farmers and Merchants State Bank Plankinton, S.D.	commercial	26.42	26.64	84,824	2.55	45.16
61	Texas Star Bank SSB Lott	savings	26.33	20.56	99,178	2.12	49.06
62	Freedom Bank Huntingburg, Ind.	commercial	26.21	25.55	337,614	2.47	39.91
	Nebraska State Bank Oshkosh	commercial	26.21	18.89	49,895	2.39	49.13
64	KCB Bank Kearney, Mo.	commercial	26.01	15.00	213,133	2.83	44.60
65	Citizens State Bank Okemah, Okla.	commercial	25.96	31.58	347,374	2.05	27.04
66	FirstBank Antlers, Okla.	commercial	25.94	31.79	231,413	2.23	68.40
67	Goodfield State Bank Ill.	commercial	25.89	30.40	74,555	3.72	41.99
68	Main Street Bank Bingham Farms, Mich.	commercial	25.37	41.87	153,007	2.03	71.55
69	First American Bank Stonewall, Okla.	commercial	25.12	28.75	26,331	2.73	52.04
70	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	25.11	24.04	416,039	2.68	49.18
71	Progressive Ozark Bank Salem, Mo.	commercial	25.04	NA	113,703	2.58	60.63
72	Premier Bank Rock Valley, Iowa	commercial	24.90	27.02	277,453	2.76	32.07
73	State Bank of New Richland Minn.	commercial	24.81	30.03	89,624	2.48	35.50
74	Taylor County Bank Campbellsville, Ky.	commercial	24.72	22.08	169,677	2.72	49.15
75	Southwest Capital Bank Las Vegas, N.M.	commercial	24.58	26.72	207,363	2.43	46.84
76	Bank of Baker Mont.	commercial	24.56	26.28	139,077	2.12	46.05
77	First National Bank of Layton Utah	commercial	24.40	0.25	267,306	3.38	87.28
78	Bank of Buffalo Ky.	commercial	24.34	23.89	72,221	2.76	32.43
79	First State Bank Scottsbluff, Neb.	commercial	24.25	20.49	226,352	2.19	45.45
80	Chesapeake Bank & Trust Co. Chestertown, Md.	commercial	24.22	14.43	100,395	2.47	44.19
81	Midwest Bank Detroit Lakes, Minn.	commercial	24.16	23.27	336,478	2.24	49.29
82	Lowry State Bank Minn.	commercial	24.14	18.90	41,928	2.22	50.08
83	Franklin State Bank & Trust Co. Winnsboro, La.	commercial	24.09	14.01	138,974	2.08	58.64
84	Coleman County State Bank Coleman, Texas	commercial	24.04	26.03	92,972	2.25	56.32
85	CornerstoneBank Atlanta	savings	23.92	NA	313,500	0.88	84.69
86	Peoples State Bank Blair, Okla.	commercial	23.89	25.05	16,585	2.14	62.32
87	National Bank of Andrews Texas	commercial	23.71	16.91	150,501	2.03	59.10
88	Lone Star Bank SSB Moulton, Texas	savings	23.65	18.27	278,236	1.96	54.98
89	Cowboy Bank of Texas Maypearl	commercial	23.62	24.40	55,377	2.18	58.14
	Farmers Exchange Bank Cherokee, Okla.	commercial	23.62	26.58	194,483	2.34	41.67
91	Crockett National Bank San Angelo, Texas	commercial	23.60	16.64	433,730	2.40	72.41
92	EvaBank Cullman, Ala.	commercial	23.49	28.35	337,196	2.28	43.49
	Quail Creek Bank Oklahoma City	commercial	23.49	24.41	526,510	2.21	47.28
94	Tri Valley Bank Talmage, Neb.	commercial	23.31	26.25	36,664	1.83	42.53
95	Bank of England Ark.	commercial	23.28	17.04	260,695	2.71	83.38
96	University Bank Ann Arbor, Mich.	commercial	23.27	22.02	114,706	1.91	87.70
97	Kansas State Bank of Manhattan	commercial	23.19	22.91	949,444	2.15	44.91
98	Bank of Bloomsdale Mo.	commercial	23.03	25.14	198,048	2.56	40.15
99	Bank of Nebraska La Vista	commercial	23.00	19.40	133,530	2.43	65.76
100	Coastal Commerce Bank Houma, La.	commercial	22.98	20.02	376,876	2.01	56.95
101	First State Bank Commerce, Okla.	commercial	22.97	13.53	12,923	2.23	62.81
102	First Bexley Bank Ohio	savings	22.94	14.21	262,422	1.91	50.95
103	Five Star Bank Rocklin, Calif.	commercial	22.89	18.89	576,601	2.00	43.99
104	Oak Creek Valley Bank Valparaiso, Neb.	commercial	22.76	22.34	68,718	2.74	28.11
105	Pony Express Bank Liberty, Mo.	commercial	22.74	12.16	136,101	3.27	44.54
106	Bank of Hemet Riverside, Calif.	commercial	22.71	23.84	461,598	2.73	46.01
107	Graham Savings and Loan SSB Texas	savings	22.63	11.30	125,217	2.49	44.21
108	Security Bank Tulsa, Okla.	commercial	22.53	16.18	442,082	2.35	30.17
109	Security Bank and Trust Co. Paris, Tenn.	commercial	22.51	27.68	169,959	2.16	42.28
110	Exchange Bank Gibbon, Neb.	commercial	22.50	22.27	463,308	2.33	38.74
111	Haverford Trust Co. Radnor, Pa.	commercial	22.47	18.25	105,234	4.29	81.70
112	Priority Bank Ozark, Ark.	savings	22.40	NA	93,564	1.87	63.35
113	Dakota Community Bank & Trust Hebron, N.D.	commercial	22.38	30.30	657,394	1.71	54.67
114	Bank of Doniphan Neb.	commercial	22.31	5.95	100,774	2.25	53.87
	McKenzie County Bank Watford City, N.D.	commercial	22.31	24.75	115,469	1.75	48.87
116	Grand Bank Hamilton Square, N.J.	commercial	22.30	7.21	237,124	2.02	91.56
	Sunwest Bank Irvine, Calif.	commercial	22.30	13.14	685,487	2.81	43.70
118	Darien Rowayton Bank Darien, Conn.	commercial	22.25	9.30	257,672	1.90	88.61
119	Venture Bank Bloomington, Minn.	commercial	22.23	24.70	371,511	1.91	52.88
120	Bank of Wyandotte Okla.	commercial	22.12	15.09	13,210	2.11	71.59
121	Bank Northwest Hamilton, Mo.	commercial	22.11	20.72	104,823	1.91	51.47
122	Volunteer State Bank Portland, Tenn.	commercial	22.06	22.97	404,954	2.19	68.91
123	Waggoner National Bank of Vernon Texas	commercial	22.04	20.01	257,023	3.06	44.77
124	Guaranty Bank & Trust Co. of Delhi La.	commercial	22.02	20.58	157,702	1.92	58.80
125	Grand Marais State Bank Minn.	commercial	21.95	25.01	77,072	1.74	59.17
126	Homeland Federal Savings Bank Columbia, La.	savings	21.94	NA	162,612	2.25	56.35
127	First National Bank of Central Texas Waco	commercial	21.92	36.11	700,879	1.67	51.33
	Town and Country Bank of Quincy Ill.	commercial	21.92	22.91	108,227	2.53	51.65
129	Ultima Bank Minnesota Winger	commercial	21.91	29.52	132,906	1.94	59.71
130	Commercial Capital Bank Delhi, La.	commercial	21.90	19.47	56,345	2.20	55.56
131	Marion County State Bank Pella, Iowa	commercial	21.87	20.75	261,671	2.51	37.41
132	Bank of DeSoto Texas	commercial	21.86	24.38	178,075	2.22	58.45
133	Great Plains Bank Eureka, S.D.	commercial	21.76	26.00	95,624	2.16	41.83
134	Choice Financial Group Grafton, N.D.	commercial	21.75	28.53	630,676	2.29	49.03
	Savings Bank Primghar, Iowa	commercial	21.75	20.58	149,769	1.80	40.29
136	Henderson State Bank Neb.	commercial	21.70	24.50	170,675	1.75	44.99
	Mother Lode Bank Sonora, Calif.	commercial	21.70	2.34	65,250	1.78	111.36
138	First National Bank of Henning Ottertail, Minn.	commercial	21.69	14.84	101,574	2.63	54.08
139	Liberty State Bank Powers Lake, N.D.	commercial	21.65	22.65	68,912	1.99	38.99
140	Ericson State Bank Neb.	commercial	21.60	15.58	56,328	1.98	40.89
141	Farmers and Merchants State Bank of Pierz Minn.	commercial	21.53	23.00	173,245	2.36	50.39
142	Basile State Bank La.	commercial	21.49	21.26	54,533	2.08	61.39
	Farmers State Bank Allen Okla.	commercial	21.49	19.17	42,840	2.34	56.70
144	NewFirst National Bank El Campo, Texas	commercial	21.46	20.47	494,305	2.17	59.62
145	Prairie State Bank and Trust Mount Zion, Ill.	commercial	21.45	23.95	687,946	2.06	52.44
146	Coulee Bank La Crosse, Wis.	commercial	21.39	18.43	283,804	2.20	48.23
147	Freedom Bank of Southern Missouri Cassville	commercial	21.32	17.67	175,168	1.59	53.16
148	NexBank SSB Dallas	savings	21.28	3.57	817,416	1.96	52.56
149	First State Bank Ida Grove, Iowa	commercial	21.17	27.57	142,736	2.06	41.69
150	Lamar Bank and Trust Co. Mo.	commercial	21.11	24.49	134,890	1.98	52.21
151	Integrity Bank Plus Wabasso, Minn.	commercial	21.05	16.69	62,063	1.92	59.40
152	Southwest Bank Odessa, Texas	commercial	21.03	20.61	265,564	1.55	69.60
153	Southwest National Bank Wichita, Kan.	commercial	20.95	23.16	436,789	1.80	56.92
154	Bank of Glen Ullin N.D.	commercial	20.93	16.92	45,596	2.36	39.63
	First Bank of Chandler Okla.	commercial	20.93	23.87	83,250	2.11	49.30
	Heartland Bank St. Louis	savings	20.93	NA	811,479	2.10	74.60
157	Peoples Community Bank Greenville, Mo.	commercial	20.88	21.76	155,503	3.37	38.16
158	First Florida Bank Destin	commercial	20.81	13.12	218,687	2.60	64.09
159	Audubon State Bank Iowa	commercial	20.78	18.35	98,851	1.80	59.20
160	American Bank & Trust Co. Inc. Bowling Green, Ky.	commercial	20.73	17.46	251,551	1.90	58.85
	F&C Bank Holden, Mo.	commercial	20.73	11.70	127,673	2.47	58.35
	First Community Bank of Central Alabama Wetumpka	commercial	20.73	18.88	304,649	1.78	54.60
163	Luana Savings Bank Iowa	commercial	20.71	31.53	509,140	2.13	36.66
164	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	20.69	20.25	160,678	1.98	55.92
165	Bank of Union El Reno, Okla.	commercial	20.66	28.59	387,771	1.82	52.15
166	Peoples State Bank Summit, S.D.	commercial	20.65	20.20	55,638	2.37	41.92
167	Century Bank of the Ozarks Gainesville, Mo.	commercial	20.63	21.06	174,721	1.91	59.86
168	Union Bank of Blair Wis.	commercial	20.62	23.68	83,447	2.14	48.83
169	State Savings Bank Creston, Iowa	commercial	20.59	20.83	95,520	1.83	52.24
170	West Town Savings Bank Cicero, Ill.	savings	20.56	29.27	148,106	2.13	82.32
171	Citizens Bank Amsterdam, Mo.	commercial	20.54	18.05	52,633	1.45	72.06
172	Union Bank of Mena Ark.	commercial	20.53	23.24	191,058	2.11	61.09
173	Great Plains National Bank Belfield, N.D.	commercial	20.51	20.47	192,521	1.86	42.05
174	Brush Country Bank Freer, Texas	commercial	20.46	25.25	49,250	1.64	58.49
175	Farmers and Merchants State Bank of Blooming Prairie Minn.	commercial	20.45	18.37	73,139	1.70	60.60
176	RidgeStone Bank Brookfield, Wis.	commercial	20.43	2.08	395,803	2.28	47.22
	Sterling Bank Barron, Wis.	commercial	20.43	21.60	205,126	1.76	54.39
178	Exchange Bank and Trust Co. Perry, Okla.	commercial	20.40	21.87	242,406	1.87	52.42
179	Jonah Bank of Wyoming Casper	commercial	20.35	16.72	226,372	1.93	63.59
180	First Southern Bank Patterson, Ga.	commercial	20.29	-37.77	110,616	0.76	59.09
181	De Witt Bank & Trust Co. Iowa	commercial	20.28	21.74	135,327	2.07	56.21
182	Horizon Bank SSB Austin	savings	20.27	31.76	398,974	1.95	60.07
183	Crescom Bank Charleston, S.C.	commercial	20.26	13.61	856,566	2.03	64.04
184	Metro City Bank Doraville, Ga.	commercial	20.23	15.60	498,463	2.48	38.40
185	Citizens State Bank Miles, Texas	commercial	20.22	22.27	82,830	2.13	55.35
186	Peoples Bank Mt. Washington Ky.	commercial	20.21	-15.29	90,455	1.95	81.48
187	Farmers Savings Bank Wever, Iowa	commercial	20.17	11.40	103,316	2.01	49.69
	Pacific Enterprise Bank Irvine, Calif.	commercial	20.17	14.18	293,628	2.29	47.28
189	Bellevue State Bank Iowa	commercial	20.15	33.92	85,784	2.34	39.37
	Proficio Bank Cottonwood Heights, Utah	commercial	20.15	23.96	206,271	2.48	95.37
191	Grinnell State Bank Iowa	commercial	20.14	6.33	270,553	2.19	57.44
192	Crestmark Bank Troy, Mich.	commercial	20.12	22.39	444,362	2.68	61.40
193	Concordia Bank Mo.	commercial	20.04	14.83	64,269	1.85	59.68
	HNB National Bank Hannibal, Mo.	commercial	20.04	17.72	413,985	2.10	54.53
195	Commercial Bank of Mott N.D.	commercial	20.00	7.92	86,576	2.12	39.35
196	Frontier Bank Madison, Neb.	commercial	19.97	8.79	197,708	2.19	43.83
197	Red River State Bank Halstad, Minn.	commercial	19.96	21.54	45,779	2.31	50.43
198	Heartland Bank Bryant, Ark.	commercial	19.94	17.03	194,361	2.86	48.39
199	Auburn Banking Co. Ky.	commercial	19.89	24.27	71,114	1.56	61.33
200	First State Bank of DeQueen Ark.	commercial	19.83	23.29	193,237	1.66	57.53

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 14, 2013. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial