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Community Banks with the Highest Returns on Average Assets

July 05, 2011, 5:17 p.m. EDT 1 Min Read
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Community Banks with the Highest Returns on Average Assets

Community Banks with the Highest Returns on Average AssetsOn March 31, 2011. Dollars in thousands
Published July 5, 2011
Rank   Return on avg. assets Assets Return on
average equity		 Efficiency
ratio
1Q 2011 1Q 2010
1 First Midwest Bank Centerville, S.D. 42.60% -7.19% $115,982 640.11% 10.23%
2 Bank 7 Oklahoma City 24.19 1.86 178,144 269.06 9.47
3 Pilsen State Bank Lincolnville, Kan. 12.09 41.01 12,293 102.58 16.63
4 Royal Bank Elroy, Wis. 10.84 1.08 296,904 124.06 12.80
5 Merchants Bank of California Carson 9.17 0.61 86,546 56.43 35.34
6 McFarland State Bank Wis. 8.25 1.75 501,209 93.53 17.41
7 Continental Bank Salt Lake City 8.23 7.46 103,589 39.93 35.23
8 Live Oak Banking Co. Wilmington, N.C. 7.19 2.18 232,978 83.03 48.18
9 Oxford Bank and Trust Oak Brook, Ill. 6.46 -0.54 567,207 84.56 36.52
10 Embassy National Bank Lawrenceville, Ga. 6.22 1.32 64,170 55.09 45.29
11 Curtis State Bank Neb. 5.81 1.52 30,012 43.93 25.62
12 First Colorado National Bank Paonia 5.39 -1.91 51,018 40.28 59.85
13 First National Bank of Tom Bean Texas 5.15 0.22 43,128 49.83 87.93
14 First Credit Bank Los Angeles 4.74 6.20 479,444 19.23 17.25
15 River City Bank Inc. Louisville, Ky. 4.54 3.04 278,216 30.54 37.27
16 NewDominion Bank Charlotte, N.C. 4.46 0.01 445,593 124.96 31.70
17 Haverford Trust Co. Radnor, Pa. 4.33 3.47 109,234 26.23 77.36
18 Frontier State Bank Oklahoma City 4.32 0.65 516,478 42.62 57.44
19 Peoples State Bank De Smet, S.D. 4.25 1.20 67,053 36.84 32.79
20 CertusBank Easley, S.C. 4.23 NA 329,698 NA 36.99
21 Peoples State Bank Cherryvale, Kan. 4.13 4.29 15,511 15.95 43.95
22 La Farge State Bank Wis. 4.11 1.98 48,674 13.22 23.60
23 Marlin Business Bank Salt Lake City 4.07 3.87 157,943 15.50 36.75
24 First State Bank Mendota, Ill. 3.81 1.06 701,986 56.91 44.78
25 Bank of Rison Ark. 3.77 2.30 30,092 21.28 35.08
26 Peoples Community Bank Greenville, Mo. 3.74 3.01 123,171 24.50 39.89
27 Central State Bank Clayton, Ill. 3.66 3.38 92,072 25.76 41.71
Corydon State Bank Iowa 3.66 3.74 73,207 25.43 24.75
29 Metro Phoenix Bank 3.56 0.07 69,441 26.72 62.04
30 Bank of Buffalo Ky. 3.50 3.26 68,160 39.79 27.57
31 State Bank of Lima Ill. 3.49 1.48 32,343 38.25 35.10
32 First Bank of Delaware Wilmington 3.45 0.87 229,851 18.10 51.26
33 Crockett National Bank San Angelo, Texas 3.37 1.11 298,385 31.63 42.56
34 Crown Bank Brick, N.J. 3.36 2.75 522,987 25.16 41.54
35 Union Bank and Trust Co. Livingston, Tenn. 3.35 2.20 80,784 34.96 46.66
36 West Texas State Bank Odessa 3.30 2.33 294,621 29.41 57.49
37 CrossFirst Bank Overland Park, Kan. 3.11 0.25 225,366 29.09 74.11
38 Peoples Community State Bank Doniphan, Mo. 3.06 2.69 128,727 21.60 41.89
39 Northern Hancock Bank and Trust Co. Newell, W.Va. 3.05 1.33 32,002 29.25 54.95
Texas Bank Brownwood 3.05 5.12 294,305 26.46 46.67
41 Bank of Indiana Dana 3.04 -1.03 111,488 26.07 64.50
42 First Financial Bank El Dorado, Ark. 2.98 2.14 743,551 33.73 52.33
43 First State Bank of Colfax Iowa 2.97 2.41 67,192 23.85 22.59
44 Bank of the Rio Grande Las Cruces, N.M. 2.92 1.00 107,651 24.25 82.86
45 PrinsBank Prinsburg, Minn. 2.91 2.91 96,428 35.14 51.89
46 Payne County Bank Perkins, Okla. 2.89 2.26 123,026 16.84 46.37
47 Crestmark Bank Troy, Mich. 2.87 1.83 289,715 24.05 63.10
48 First National Bank of Clinton Mo. 2.85 0.74 71,076 21.50 63.81
49 First American Bank Stonewall, Okla. 2.84 2.62 23,699 26.66 54.34
50 Farmers and Merchants State Bank Plankinton, S.D. 2.82 2.54 73,680 29.36 43.24
51 Yellowstone Bank Laurel, Mont. 2.79 2.41 431,845 15.25 42.05
52 First National Bank Fort Pierre, S.D. 2.78 3.36 648,471 14.01 39.97
53 Farmers Bank Carnegie, Okla. 2.77 3.24 54,048 28.96 49.81
54 Farmers and Merchants Bank of Kendall Wis. 2.76 2.59 55,554 23.17 36.23
55 Clinton State Bank Minn. 2.75 2.79 67,577 21.88 30.00
Goodfield State Bank Ill. 2.75 1.90 66,529 24.79 44.30
Solon State Bank Iowa 2.75 2.75 83,949 14.59 39.12
58 First State Bank of Bedias Texas 2.74 2.10 133,338 27.04 39.84
Oak Creek Valley Bank Valparaiso, Neb. 2.74 2.24 59,770 25.80 31.51
60 Farmers State Bank of Adams, Minn. 2.73 2.61 77,070 22.03 37.36
61 Security Bank and Trust Co. Paris, Tenn. 2.72 2.44 160,911 28.29 39.98
62 Bank of Ohio County Inc. Beaver Dam, Ky. 2.65 2.66 93,845 15.90 39.93
State Bank of Texas Dallas 2.65 2.40 639,609 19.24 25.71
64 Premier Bank Rock Valley, Iowa 2.64 2.56 224,544 25.41 33.31
65 Bank of Hydro Okla. 2.62 1.45 108,194 31.89 40.05
66 Citizens State Bank of Cheney Kan. 2.61 2.60 48,599 19.56 45.01
Mainland Bank Texas City 2.61 1.82 97,120 30.70 55.48
68 Brunswick State Bank Neb. 2.60 2.36 70,055 27.56 42.09
69 RepublicBankAz Phoenix 2.58 -0.82 57,447 28.72 61.25
70 Bank of the West El Paso, Texas 2.57 2.16 908,661 30.41 48.04
71 Senath State Bank Mo. 2.56 2.52 60,638 18.11 49.10
72 FirstBank Antlers, Okla. 2.55 1.93 211,347 31.26 63.56
73 Venture Bank Bloomington, Minn. 2.54 1.36 263,490 27.67 53.53
74 Bank of Mauston Wis. 2.51 2.04 234,717 23.74 45.35
Prime Bank Edmond, Okla. 2.51 1.04 100,980 27.45 48.87
76 Bank of DeSoto Texas 2.50 1.99 162,305 24.48 56.28
State Bank of New Richland Minn. 2.50 2.44 88,327 29.15 38.83
Woodbury Banking Co. Ga. 2.50 0.42 28,120 39.23 90.30
79 Bank of Bloomsdale Mo. 2.49 2.48 192,576 26.06 41.74
Cache Valley Bank Logan, Utah 2.49 1.28 301,784 19.78 38.92
Heritage State Bank Lawrenceville, Ill. 2.49 2.31 78,185 29.66 50.54
82 Charter Bank Corpus Christi, Texas 2.48 2.61 178,790 31.60 54.51
Farmers Trust and Savings Bank Williamsburg, Iowa 2.48 3.18 126,972 13.49 42.93
84 Mount Vernon Bank and Trust Co. Iowa 2.47 1.61 95,066 18.81 40.18
85 Bank of Las Vegas N.M. 2.46 2.32 177,677 25.40 45.78
86 First Bank of Chandler Okla. 2.45 1.84 77,759 24.13 48.48
Maynard Savings Bank Iowa 2.45 1.97 47,159 18.12 41.21
88 NOA Bank Duluth, Ga. 2.44 0.30 95,472 15.19 56.90
89 Bank of Hemet Riverside, Calif. 2.42 2.01 443,512 21.59 46.12
Citizens State Bank Miles, Texas 2.42 1.66 81,344 30.23 48.83
Citizens State Bank of Clayton Wis. 2.42 2.36 97,323 30.26 49.44
92 De Witt Bank and Trust Co. Iowa 2.41 1.04 121,044 24.64 52.84
93 Commerce National Bank Corinth, Miss. 2.40 1.39 85,202 19.10 48.50
First Enterprise Bank Oklahoma City 2.40 1.39 169,917 27.02 61.59
95 American National Bank-Fox Cities Appleton, Wis. 2.39 1.10 248,140 21.01 36.35
Waggoner National Bank of Vernon Texas 2.39 2.09 236,870 18.14 45.79
97 First National Bank of Bangor Wis. 2.38 2.25 190,243 11.66 22.30
First Security Bank-Sleepy Eye Minn. 2.38 1.83 178,203 19.61 54.01
First State Bank in Temple Okla. 2.38 3.84 21,723 12.35 52.32
Quail Creek Bank Oklahoma City 2.38 2.24 446,079 25.74 44.68
101 Farmers and Merchants Bank Milligan, Neb. 2.37 1.35 49,026 24.77 51.11
Vermont State Bank Ill. 2.37 3.28 14,660 26.15 39.53
103 Citizens State Bank Okemah, Okla. 2.36 2.25 140,286 27.42 37.20
Morris State Bank Okla. 2.36 2.27 64,991 26.37 53.85
105 Bank of Union El Reno, Okla. 2.35 3.01 360,063 26.29 35.67
First National Bank of Gordon Neb. 2.35 2.54 148,228 19.04 43.85
Great Plains National Bank Elk City, Okla. 2.35 1.52 364,912 27.06 61.42
Lake Elmo Bank Minn. 2.35 -0.29 270,502 27.11 81.96
Town and Country Bank of Quincy Ill. 2.35 2.19 112,145 22.13 49.50
110 Citizens National Bank at Brownwood Texas 2.32 2.32 182,043 19.39 48.22
Community First Bank of the Heartland Mount Vernon, Ill. 2.32 1.58 88,927 23.52 44.55
First National Bank Fabens, Texas 2.32 2.44 320,068 29.76 43.68
113 Community Bank Longview, Texas 2.31 2.19 152,778 31.04 51.89
First Bank Upper Michigan Gladstone 2.31 2.31 170,652 14.25 51.32
115 Brush Country Bank Freer, Texas 2.30 2.04 41,344 25.83 58.21
Lowry State Bank Minn. 2.30 1.62 36,133 24.80 53.17
Marion County State Bank Pella, Iowa 2.30 2.28 220,279 21.86 37.70
118 Bank of Baker Mont. 2.29 2.40 116,100 27.19 37.89
Murphy Bank Fresno, Calif. 2.29 1.83 112,773 14.97 47.28
State Bank of Bartley Neb. 2.29 1.30 69,241 24.01 59.52
121 Bank of Advance Mo. 2.28 2.16 242,416 15.37 48.62
NewBank Flushing, N.Y. 2.28 0.40 133,454 22.06 36.93
Union Bank of Mena Ark. 2.28 1.96 176,148 25.38 57.65
124 Peoples State Bank and Trust Baxley, Ga. 2.27 1.68 74,489 18.79 48.78
125 Bank of Kremlin Okla. 2.26 2.18 275,351 26.22 43.25
Bank of St. Elizabeth Mo. 2.26 2.06 101,693 21.06 43.76
Farmers and Merchants Bank Baldwyn, Miss. 2.26 2.04 203,981 15.24 52.22
Shell Lake State Bank Wis. 2.26 2.07 134,762 12.47 45.41
St. Martin Bank and Trust Co. St. Martinville, La. 2.26 2.57 336,957 19.99 53.14
130 Lone Star State Bank Texas 2.25 2.09 38,189 26.14 42.59
Security State Bank Sutherland, Iowa 2.25 2.18 74,904 26.65 44.20
132 River Bank Stoddard, Wis. 2.24 2.01 394,087 20.39 39.88
United Community Bank of North Dakota Leeds 2.24 2.22 204,515 28.22 43.19
134 Alton Bank Mo. 2.23 2.23 53,102 12.30 52.81
American State Bank Sioux Center, Iowa 2.23 2.28 523,781 21.00 39.02
Bank of Lewellen Neb. 2.23 1.49 20,947 8.12 48.41
First Bank of Berne Ind. 2.23 2.35 423,694 22.99 47.33
138 The Bank Oberlin, Kan. 2.22 2.55 188,844 22.90 38.73
Basile State Bank La. 2.22 2.15 50,942 23.51 60.25
Citizens State Bank Corrigan, Texas 2.22 2.35 101,168 20.93 55.38
WoodTrust Bank Wisconsin Rapids, Wis. 2.22 2.02 312,421 21.36 57.79
142 Nebraska State Bank Oshkosh 2.21 2.19 46,182 21.60 58.10
Southwest National Bank Wichita, Kan. 2.21 2.26 358,767 24.54 54.70
144 Port Richmond Savings Philadelphia 2.20 1.74 62,328 14.84 48.01
145 American Interstate Bank Elkhorn, Neb. 2.19 2.30 111,298 26.14 43.68
Cowboy Bank of Texas Maypearl 2.19 2.20 44,689 22.90 63.07
First National Bank Izard County Calico Rock, Ark. 2.19 1.87 143,928 7.46 41.90
St. Henry Bank Ohio 2.19 1.64 220,454 13.17 32.94
Tustin Community Bank Calif. 2.19 1.24 61,061 16.59 60.56
150 Adrian Bank Mo. 2.18 2.20 119,557 27.09 49.37
Cumberland Security Bank Somerset, Ky. 2.18 2.00 157,693 18.12 55.20
Farmers and Merchants State Bank of Appleton Minn. 2.18 1.98 40,406 16.96 44.25
First Independent Bank Vancouver, Wash. 2.18 -6.72 834,616 22.09 76.42
154 First National Bank of Picayune Miss. 2.16 2.48 210,672 19.80 51.82
First State Bank and Trust Tonganoxie, Kan. 2.16 -0.24 253,499 29.93 53.77
Pacific Premier Bank Costa Mesa, Calif. 2.16 0.28 951,736 23.36 41.57
Tensas State Bank Newellton, La. 2.16 2.10 120,823 20.60 53.99
158 First State Bank of Grove City Minn. 2.15 1.18 23,149 12.22 49.40
Midwest Bank Detroit Lakes, Minn. 2.15 1.01 270,438 23.06 55.23
Pony Express Bank Liberty, Mo. 2.15 2.28 135,763 15.69 45.27
161 Farmers and Merchants State Bank of Cawker City Kan. 2.14 1.66 17,377 26.11 53.48
First Whitney Bank and Trust Atlantic, Iowa 2.14 2.32 155,104 20.29 35.36
163 Citizens State Bank Monticello, Iowa 2.13 1.70 307,420 18.27 47.83
First State Bank Watonga, Okla. 2.13 2.57 45,947 21.31 52.01
Justin State Bank Texas 2.13 1.54 66,903 18.27 78.09
Peoples Bank and Trust Co. Owenton, Ky. 2.13 -0.18 73,199 18.47 53.89
Peoples State Bank Blair, Okla. 2.13 1.81 17,004 22.06 66.41
Plaza Park State Bank Waite Park, Minn. 2.13 1.34 159,168 23.41 58.05
169 Five Points Bank Grand Island, Neb. 2.12 1.87 636,085 21.03 45.49
Great Plains Bank Eureka, S.D. 2.12 1.65 90,743 24.72 45.12
Luana Savings Bank Iowa 2.12 2.47 404,551 23.32 37.74
172 Bank of Alma Wis. 2.10 1.99 195,685 6.18 17.42
Farmers Bank Hardinsburg, Ky. 2.10 2.29 99,002 10.32 44.74
Lusk State Bank Wyo. 2.10 2.34 42,743 21.89 57.04
175 Armstrong Bank Muskogee, Okla. 2.09 1.60 588,568 21.95 59.12
Pioneer Trust Bank Salem, Ore. 2.09 2.51 294,459 13.69 36.30
Security State Bank Iron River, Wis. 2.09 0.42 89,260 16.81 55.03
Viking State Bank and Trust Decorah, Iowa 2.09 2.20 107,749 20.77 44.44
179 Chambers State Bank Neb. 2.08 1.87 37,034 7.53 43.58
First Farmers and Merchants National Bank Luverne, Minn. 2.08 1.77 150,518 17.73 62.52
International Bank of Chicago 2.08 1.34 238,656 19.95 43.73
New Era Bank Fredericktown, Mo. 2.08 2.32 284,591 18.07 44.56
183 Citizens Bank Carthage, Tenn. 2.07 2.37 505,770 12.61 28.32
City Savings Bank and Trust Co. De Ridder, La. 2.07 2.17 199,571 18.15 60.23
Metz Banking Co. Nevada, Mo. 2.07 1.43 61,753 21.17 51.19
Municipal Trust and Savings Bank Bourbonnais, Ill. 2.07 2.18 267,310 10.23 38.42
Shelby Savings Bank SSB Center, Texas 2.07 2.11 233,752 19.63 55.71
188 Beartooth Bank Billings, Mont. 2.06 -0.08 39,445 17.97 54.16
189 Citizens Bank Elizabethton, Tenn. 2.05 1.02 611,511 16.69 46.65
Farmers Savings Bank Colesburg, Iowa 2.05 1.83 140,806 24.67 39.89
Lamar Bank and Trust Co. Mo. 2.05 2.33 122,690 22.08 53.03
White Rock Bank Cannon Falls, Minn. 2.05 0.72 126,726 22.91 65.55
193 Crescent Bank and Trust New Orleans 2.04 0.74 565,583 17.18 72.66
First National Bank Sallisaw Okla. 2.04 2.30 218,156 13.28 52.45
195 Bank of Montgomery La. 2.03 2.08 159,268 24.85 57.94
Citizens National Bank of Wills Point Texas 2.03 2.17 95,256 18.57 53.94
Commercial Capital Bank Delhi, La. 2.03 1.59 41,546 17.56 63.04
Northwoods State Bank Mason City, Iowa 2.03 1.48 145,175 24.98 47.91
199 Liberty State Bank Powers Lake, N.D. 2.02 1.90 49,288 23.27 43.87
200 First National Bank and Trust of Elk City Okla. 2.01 2.11 281,244 20.17 45.52

Note: Independent banks and thrifts operating as of June 23, 2011, 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.
Source:

SNL Financial
, Charlottesville, Va.
© 2011 American Banker

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