Community Banks with the Highest Returns on Average Assets

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Year to date through Dec. 31, 2017. Dollars in thousands.

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Community Banks with the Highest Returns on Average Assets
Return on average assets
Total
assets
Return on
average equity
Efficiency
ratio
Rank Company City State Type of charter 4Q 2017 4Q 2016
1 State Bank of Texas Dallas Tex. Commercial Bank 8.07 6.39 $839,631 44.40 19.87
2 First Credit Bank Los Angeles Calif. Commercial Bank 5.69 5.30 460,352 14.98 9.44
3 Independence Bank East Greenwich R.I. Commercial Bank 5.14 4.37 60,810 25.01 38.48
4 Champion Bank Parker Colo. Commercial Bank 5.01 2.18 52,902 27.88 68.28
5 Georgia Heritage Bank Dallas Ga. Commercial Bank 4.97 1.15 94,708 55.76 58.61
6 Bank of Montana Missoula Mont. Commercial Bank 4.73 4.20 82,770 46.30 44.02
7 Town & Country Bank Las Vegas Nev. Commercial Bank 4.64 1.80 160,843 38.57 34.37
8 Central Bank of Kansas City Kansas City Mo. Commercial Bank 4.57 2.81 163,718 22.28 56.91
9 Haverford Trust Company Radnor Pa. Commercial Bank 4.37 5.00 140,074 27.52 84.44
10 Limestone Bank, Inc. Louisville Ky. Commercial Bank 4.02 -0.09 966,826 57.14 77.30
Spring Valley Bank Wyoming Ohio Commercial Bank 4.02 3.82 70,594 9.35 33.37
12 FinWise Bank Sandy Utah Commercial Bank 3.84 2.08 65,072 25.27 55.65
PrinsBank Prinsburg Minn. Commercial Bank 3.84 3.84 141,862 25.88 40.01
14 Nebraska State Bank Oshkosh Neb. Commercial Bank 3.78 3.40 50,881 25.75 42.63
15 Bank 7 Oklahoma City Okla. Commercial Bank 3.65 2.91 702,648 35.68 36.52
16 Apex Bank Camden Tenn. Commercial Bank 3.61 3.82 524,869 22.57 37.47
17 NOA Bank Duluth Ga. Commercial Bank 3.48 3.21 327,404 26.77 49.96
18 First American Bank, National Association Hudson Wis. Commercial Bank 3.38 0.74 120,115 33.01 48.34
19 Community Bank of Raymore Raymore Mo. Commercial Bank 3.35 1.31 238,580 39.97 63.56
20 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 3.28 3.13 84,464 30.64 32.84
21 CIBM Bank Champaign Ill. Commercial Bank 3.25 0.69 656,926 31.23 80.78
22 Charter Bank Corpus Christi Tex. Commercial Bank 3.23 2.95 256,645 28.38 47.85
23 Kopernik Bank Baltimore Md. Savings Bank 3.15 0.97 165,606 17.17 38.52
24 Bank of Morton Morton Miss. Commercial Bank 3.05 2.77 66,831 21.66 49.99
First Financial Bank El Dorado Ark. Commercial Bank 3.05 3.61 914,666 23.32 55.80
26 Home Bank of California San Diego Calif. Commercial Bank 2.95 2.68 159,084 19.36 38.79
Peoples Community Bank Greenville Mo. Commercial Bank 2.95 3.05 449,495 18.64 41.21
28 National Bank of Andrews Andrews Tex. Commercial Bank 2.93 1.98 188,885 24.99 56.12
WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 2.93 2.50 432,979 28.08 48.44
30 Peoples State Bank Summit S.D. Commercial Bank 2.90 2.73 71,769 26.20 37.36
31 Citizens Commerce National Bank Versailles Ky. Commercial Bank 2.88 0.34 223,160 34.50 75.73
32 Continental Bank Salt Lake City Utah Commercial Bank 2.85 2.55 158,530 17.20 51.58
33 Corydon State Bank Corydon Iowa Commercial Bank 2.83 3.01 120,740 14.07 20.14
Yellowstone Bank Laurel Mont. Commercial Bank 2.83 2.67 722,681 16.53 39.62
35 State Bank of Wheaton Wheaton Minn. Commercial Bank 2.81 2.84 81,914 12.43 35.15
36 Willamette Valley Bank Salem Ore. Commercial Bank 2.80 2.56 204,660 23.41 75.33
37 Grand Rivers Community Bank Grand Chain Ill. Commercial Bank 2.76 -2.81 46,016 55.56 65.02
38 Douglas National Bank Douglas Ga. Commercial Bank 2.75 2.40 179,663 22.83 48.74
Prime Bank Edmond Okla. Commercial Bank 2.75 2.77 259,085 25.02 39.36
40 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.72 2.93 285,207 21.08 43.00
41 Bank of Hydro Hydro Okla. Commercial Bank 2.70 2.63 126,280 26.27 45.24
42 U.S. Century Bank Doral Fla. Commercial Bank 2.69 0.24 994,567 28.16 85.70
43 Bank of Prague Prague Neb. Commercial Bank 2.67 1.99 24,842 16.79 56.11
US Metro Bank Garden Grove Calif. Commercial Bank 2.67 1.61 325,326 15.05 60.01
45 First Eagle Bank Chicago Ill. Commercial Bank 2.66 2.33 476,470 17.38 37.29
Security State Bank Sutherland Iowa Commercial Bank 2.66 2.65 125,984 27.26 33.75
47 First Home Bank Seminole Fla. Commercial Bank 2.65 3.50 260,106 22.71 60.24
48 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 2.64 2.29 190,530 20.10 50.85
49 Almena State Bank Almena Kan. Commercial Bank 2.63 2.54 102,881 32.81 55.10
FNB South Alma Ga. Commercial Bank 2.63 1.61 369,418 17.30 44.23
51 EvaBank Cullman Ala. Commercial Bank 2.61 2.48 376,507 13.03 38.99
52 Coffee County Bank Manchester Tenn. Commercial Bank 2.60 2.78 179,714 22.52 43.99
53 First State Bank Scottsbluff Neb. Commercial Bank 2.59 2.28 233,138 25.15 46.96
54 CFG Community Bank Baltimore Md. Commercial Bank 2.58 2.07 684,325 15.75 56.57
55 First Bank Burkburnett Tex. Commercial Bank 2.57 2.82 388,772 24.83 67.11
First Bank of Owasso Owasso Okla. Commercial Bank 2.57 2.48 338,823 21.52 46.22
Vermillion State Bank Vermillion Minn. Commercial Bank 2.57 2.43 540,092 17.56 26.79
58 North Valley Bank Thornton Colo. Commercial Bank 2.55 2.15 158,764 21.18 54.22
59 First Bank, Upper Michigan Gladstone Mich. Commercial Bank 2.53 1.98 457,135 27.51 62.86
Wallis State Bank Wallis Tex. Commercial Bank 2.53 2.30 626,252 24.71 54.56
61 Central State Bank Clayton Ill. Commercial Bank 2.52 2.26 134,943 17.38 47.75
Security Bank Tulsa Okla. Commercial Bank 2.52 2.66 547,353 21.29 35.89
63 Citizens State Bank Miles Tex. Commercial Bank 2.50 2.81 126,561 25.36 46.88
64 Bank of Mauston Mauston Wis. Commercial Bank 2.48 2.32 291,324 21.31 40.50
University Bank Ann Arbor Mich. Commercial Bank 2.48 2.30 226,986 23.24 87.41
Victor State Bank Victor Iowa Commercial Bank 2.48 2.64 54,890 9.23 22.24
67 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 2.47 2.67 245,801 29.46 49.28
Venture Bank Bloomington Minn. Commercial Bank 2.47 2.21 728,993 26.79 51.51
69 Bank of the West Thomas Okla. Commercial Bank 2.46 2.29 158,671 20.81 51.28
First Utah Bank Salt Lake City Utah Commercial Bank 2.46 1.29 336,360 22.73 70.21
State Bank of Bellingham Bellingham Minn. Commercial Bank 2.46 3.03 52,445 23.48 36.77
State Bank of New Richland New Richland Minn. Commercial Bank 2.46 2.22 105,650 24.94 39.27
73 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 2.45 2.52 52,876 21.21 45.68
Security State Bank Cheyenne Okla. Commercial Bank 2.45 2.35 176,004 16.98 43.31
75 First Bank & Trust Lubbock Tex. Commercial Bank 2.44 2.03 929,582 23.80 60.76
New Century Bank Belleville Kan. Commercial Bank 2.44 2.88 44,282 23.20 63.52
77 1st Bank & Trust Broken Bow Okla. Commercial Bank 2.43 2.18 147,652 25.00 47.46
Five Star Bank Rocklin Calif. Commercial Bank 2.43 2.04 972,801 25.55 36.34
Riverside Bank Sparkman Ark. Commercial Bank 2.43 2.33 60,261 27.87 53.21
Security Bank Minnesota Albert Lea Minn. Commercial Bank 2.43 1.44 124,493 22.57 47.87
81 First National Bank of Las Animas Las Animas Colo. Commercial Bank 2.40 2.37 338,784 20.13 46.09
82 Millennium Bank Des Plaines Ill. Commercial Bank 2.39 2.27 92,637 18.76 62.46
Mississippi River Bank Belle Chasse La. Commercial Bank 2.39 2.59 112,434 21.19 51.75
TexasBank Brownwood Tex. Commercial Bank 2.39 2.41 484,182 18.20 51.08
85 Commercial Capital Bank Delhi La. Commercial Bank 2.36 1.63 141,543 21.19 48.40
Oklahoma State Bank Buffalo Okla. Commercial Bank 2.36 2.30 54,218 23.84 54.79
Prime Alliance Bank Woods Cross Utah Commercial Bank 2.36 1.40 304,844 20.91 31.86
TransCapital Bank Sunrise Fla. Commercial Bank 2.36 1.75 202,848 14.12 47.03
89 Brazos National Bank Richwood Tex. Commercial Bank 2.35 3.98 27,923 9.06 89.09
Great Plains National Bank Hollis Okla. Commercial Bank 2.35 2.02 629,025 21.51 68.63
Murphy Bank Fresno Calif. Commercial Bank 2.35 2.43 254,116 20.55 46.93
92 Crockett National Bank San Antonio Tex. Commercial Bank 2.34 2.53 662,566 21.31 77.82
First National Bank of Picayune Picayune Miss. Commercial Bank 2.34 2.71 213,611 17.96 51.44
94 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 2.33 2.44 169,665 21.45 41.01
95 Freedom Bank Huntingburg Ind. Commercial Bank 2.31 2.50 400,706 21.92 41.54
96 NewFirst National Bank El Campo Tex. Commercial Bank 2.30 2.58 697,939 21.28 53.23
97 Grant County State Bank Swayzee Ind. Commercial Bank 2.29 2.23 169,617 21.87 33.72
KodaBank Drayton N.D. Commercial Bank 2.29 2.18 149,642 20.07 40.89
Texas Bank Financial Weatherford Tex. Commercial Bank 2.29 2.66 243,041 22.44 70.76
Ultima Bank Minnesota Winger Minn. Commercial Bank 2.29 2.49 162,998 22.73 53.95
101 Bank of Columbia Columbia Ky. Commercial Bank 2.28 1.78 134,522 22.23 54.09
Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.28 2.35 229,854 26.63 57.55
103 Commercial Bank Crawford Ga. Commercial Bank 2.27 2.04 158,122 21.10 49.84
Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.27 2.94 73,925 16.03 48.57
HNB National Bank Hannibal Mo. Commercial Bank 2.27 2.30 465,320 18.69 53.38
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.27 2.00 276,880 25.32 53.58
107 Bank of Advance Advance Mo. Commercial Bank 2.26 2.37 310,682 16.32 52.35
Paradise Bank Boca Raton Fla. Commercial Bank 2.26 1.88 309,832 21.02 60.18
Peoples Bank Mendenhall Miss. Commercial Bank 2.26 2.05 284,719 23.89 62.19
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.26 1.98 494,909 19.39 32.14
111 Bank of Hemet Riverside Calif. Commercial Bank 2.25 2.35 698,703 23.43 43.14
McFarland State Bank McFarland Wis. Commercial Bank 2.25 1.59 483,546 21.00 57.03
St. Henry Bank Saint Henry Ohio Commercial Bank 2.25 2.08 319,096 15.99 39.56
State Exchange Bank Lamont Okla. Commercial Bank 2.25 1.08 64,507 19.89 51.62
115 Alva State Bank & Trust Company Alva Okla. Commercial Bank 2.24 2.13 328,137 17.60 36.19
First National Bank in Okeene Okeene Okla. Commercial Bank 2.24 2.02 73,631 13.05 40.10
Hodge Bank & Trust Company Hodge La. Commercial Bank 2.24 2.80 68,266 13.05 45.92
118 Security Bank and Trust Company Paris Tenn. Commercial Bank 2.23 1.69 352,655 21.01 50.35
119 Bellevue State Bank Bellevue Iowa Commercial Bank 2.21 2.11 105,824 15.60 43.73
Embassy National Bank Lawrenceville Ga. Commercial Bank 2.21 1.97 114,517 20.53 70.10
Farmers Bank Ault Colo. Commercial Bank 2.21 2.21 236,712 16.54 48.32
Midwest Bank Detroit Lakes Minn. Commercial Bank 2.21 2.15 407,700 23.30 49.17
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.21 2.32 310,430 17.39 40.94
Quail Creek Bank, National Association Oklahoma City Okla. Commercial Bank 2.21 2.16 632,147 21.20 46.82
125 Peoples Bank of the South La Follette Tenn. Commercial Bank 2.20 2.08 149,411 16.00 57.84
126 First IC Bank Doraville Ga. Commercial Bank 2.19 2.27 403,915 13.75 51.98
Welcome State Bank Welcome Minn. Commercial Bank 2.19 1.91 33,679 21.16 56.52
128 Alton Bank Alton Mo. Commercial Bank 2.18 1.98 67,316 17.07 52.43
Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.18 2.13 221,159 21.77 47.77
Community Bank Longview Tex. Commercial Bank 2.18 2.02 218,761 22.57 43.33
131 Commercial State Bank Andrews Tex. Commercial Bank 2.17 1.73 587,106 18.53 56.20
South Georgia Bank Glennville Ga. Commercial Bank 2.17 2.62 164,487 19.08 57.40
United Farmers State Bank Adams Minn. Commercial Bank 2.17 2.04 153,985 17.85 45.93
134 Campbell County Bank, Inc. Herreid S.D. Commercial Bank 2.16 1.99 106,664 12.38 47.87
Citizens State Bank Marysville Kan. Commercial Bank 2.16 2.12 338,231 21.94 36.64
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 2.16 2.05 82,529 19.23 51.96
137 1st Equity Bank Northwest Buffalo Grove Ill. Commercial Bank 2.15 0.14 42,472 9.42 57.96
Dakota Western Bank Bowman N.D. Commercial Bank 2.15 1.62 261,680 17.94 47.49
Flagler Bank West Palm Beach Fla. Commercial Bank 2.15 2.22 241,482 21.89 47.75
Lamar Bank and Trust Company Lamar Mo. Commercial Bank 2.15 1.86 143,818 20.69 51.40
Morris Bank Dublin Ga. Commercial Bank 2.15 1.98 678,663 20.67 53.51
Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.15 2.00 299,209 12.13 37.63
143 Charter Bank Eau Claire Wis. Commercial Bank 2.14 2.20 863,355 16.49 41.55
Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.14 2.32 82,850 23.02 56.99
First State Bank Shallowater Tex. Commercial Bank 2.14 2.30 117,311 15.08 42.73
Union Bank & Trust Company Livingston Tenn. Commercial Bank 2.14 2.00 84,729 16.54 47.96
147 Bank of Baker Baker Mont. Commercial Bank 2.13 1.62 146,235 21.73 45.47
Bank of Geneva Geneva Ind. Commercial Bank 2.13 2.18 278,898 19.01 51.08
Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 2.13 2.14 179,794 19.47 82.03
150 American Interstate Bank Elkhorn Neb. Commercial Bank 2.12 2.01 108,331 14.81 46.96
Farmers & Stockmens Bank Clayton N.M. Commercial Bank 2.12 1.62 211,838 18.96 68.28
152 Central Bank and Trust Co. Hutchinson Kan. Commercial Bank 2.11 2.05 323,108 21.51 56.43
Century Bank of the Ozarks Gainesville Mo. Commercial Bank 2.11 2.14 177,239 22.80 57.41
Community State Bank Spencer Iowa Commercial Bank 2.11 1.50 207,240 20.02 44.65
155 Bank of St. Elizabeth Saint Elizabeth Mo. Commercial Bank 2.10 1.56 126,868 17.37 60.12
Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.10 1.99 538,056 22.19 57.59
157 First Enterprise Bank Oklahoma City Okla. Commercial Bank 2.09 2.11 167,891 18.47 62.17
Goodfield State Bank Goodfield Ill. Commercial Bank 2.09 2.30 114,810 17.26 55.80
Liberty Bank Minnesota Saint Cloud Minn. Commercial Bank 2.09 2.27 210,040 17.95 64.51
NewBank Flushing N.Y. Commercial Bank 2.09 2.21 348,642 16.07 46.28
161 Crown Bank Elizabeth N.J. Commercial Bank 2.08 2.61 536,365 12.64 58.67
Marion County State Bank Pella Iowa Commercial Bank 2.08 2.07 298,009 18.65 45.15
163 Bank Northwest Hamilton Mo. Commercial Bank 2.07 2.02 140,315 24.40 50.79
Brunswick State Bank Brunswick Neb. Commercial Bank 2.07 2.45 117,968 21.75 45.50
Taylor County Bank Campbellsville Ky. Commercial Bank 2.07 2.03 182,545 15.85 53.07
166 Farmers Exchange Bank Cherokee Okla. Commercial Bank 2.06 1.91 354,659 18.90 38.70
First State Bank of Beecher City Beecher City Ill. Commercial Bank 2.06 1.99 70,520 12.45 51.45
Four Corners Community Bank Farmington N.M. Commercial Bank 2.06 2.10 359,159 18.74 51.32
Randall State Bank Randall Minn. Commercial Bank 2.06 2.04 41,548 16.97 60.62
170 AmeriState Bank Atoka Okla. Commercial Bank 2.05 1.67 257,390 22.16 65.29
Basile State Bank Basile La. Commercial Bank 2.05 1.83 51,358 18.00 62.32
First Whitney Bank and Trust Atlantic Iowa Commercial Bank 2.05 1.94 216,737 18.76 34.36
Grundy Bank Morris Ill. Commercial Bank 2.05 1.71 274,330 18.95 53.86
174 Brighton Bank Salt Lake City Utah Commercial Bank 2.04 2.13 209,239 17.46 56.23
First Security Bank of Roundup Roundup Mont. Commercial Bank 2.04 2.13 54,109 16.91 53.62
Solon State Bank Solon Iowa Commercial Bank 2.04 2.27 97,861 8.43 50.10
Waukon State Bank Waukon Iowa Commercial Bank 2.04 1.99 274,692 15.23 41.44
178 Ciera Bank Graham Tex. Commercial Bank 2.03 2.05 546,879 15.43 54.64
FirstOak Bank Independence Kan. Commercial Bank 2.03 1.76 121,757 20.44 63.33
Points West Community Bank Windsor Colo. Commercial Bank 2.03 2.09 246,085 20.26 46.87
Wells Bank Platte City Mo. Commercial Bank 2.03 2.32 225,925 21.23 52.39
182 Bank of England England Ark. Commercial Bank 2.02 2.61 316,352 13.14 92.25
Bank of Okolona Okolona Miss. Commercial Bank 2.02 1.91 184,322 18.63 57.24
NSB Bank Mason City Iowa Commercial Bank 2.02 2.00 199,073 20.45 44.56
VisionBank Saint Louis Park Minn. Commercial Bank 2.02 1.30 78,412 19.83 48.26
186 Bank of Deerfield Deerfield Wis. Commercial Bank 2.01 2.47 139,924 15.93 53.98
Commercial Bank of Mott Mott N.D. Commercial Bank 2.01 2.08 99,500 14.73 46.26
First National Bank of Central Texas Waco Tex. Commercial Bank 2.01 1.96 828,650 22.22 49.41
Hamlin Bank and Trust Company Smethport Pa. Commercial Bank 2.01 1.43 425,373 10.48 51.44
190 Luana Savings Bank Luana Iowa Commercial Bank 2.00 2.04 984,052 22.31 32.53
Progressive Ozark Bank Salem Mo. Commercial Bank 2.00 1.67 115,261 18.21 67.16
Town and Country Bank Midwest Quincy Ill. Commercial Bank 2.00 1.84 172,342 17.93 54.82
193 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 1.99 2.12 223,787 19.64 51.64
Peoples Bank Westville Okla. Commercial Bank 1.99 2.55 47,687 14.89 59.00
State Bank of Cochran Cochran Ga. Commercial Bank 1.99 1.78 217,988 13.21 58.09
196 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 1.98 1.86 362,464 25.00 50.89
Fisher National Bank Fisher Ill. Commercial Bank 1.98 1.92 122,426 16.64 56.45
State Bank of De Kalb De Kalb Tex. Commercial Bank 1.98 2.38 216,505 17.11 59.91
Union Bank of Mena Mena Ark. Commercial Bank 1.98 1.84 252,593 19.49 58.78
200 Bank of Texas Midland Tex. Commercial Bank 1.97 1.45 349,955 16.70 35.41
Note: Independent banks and thrifts operating as of Mar. 2, 2018 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.
© 2017 American Banker
Source: SNL Financial, Charlottesville, Va. (www.snl.com)