Community Banks with the Highest Returns on Average Assets

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Community Banks with the Highest Returns on Average Assets
Rank Company City State Type of charter Return on
average assets
4Q 2019
Return on
average assets
4Q 2018
Total
assets
Return on
average equity
Efficiency
ratio
1 DR Bank Darien Conn. Commercial Bank 25.77 -1.88 $370,236 235.58 117.32
2 FinWise Bank Murray Utah Commercial Bank 7.16 4.89 170,891 42.55 43.96
3 NBKC Bank Kansas City Mo. Commercial Bank 6.76 1.62 833,228 53.03 67.64
4 Central Bank of Kansas City Kansas City Mo. Commercial Bank 5.80 4.78 238,195 35.16 50.89
5 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 5.34 -0.66 187,526 59.14 88.20
6 Beach Community Bank Fort Walton Beach Fla. Commercial Bank 4.88 -11.17 510,423 40.40 114.92
7 Spring Valley Bank Wyoming Ohio Commercial Bank 4.82 4.21 82,040 11.67 24.95
8 Independence Bank East Greenwich R.I. Commercial Bank 4.78 9.54 65,892 17.05 41.75
9 Willamette Valley Bank Salem Ore. Commercial Bank 4.69 3.53 268,938 36.87 70.15
10 State Bank of Texas Dallas Tex. Commercial Bank 4.67 4.61 853,091 28.41 23.66
11 CenTrust Bank, National Association Northbrook Ill. Commercial Bank 4.48 0.68 130,498 46.33 73.65
12 Bank of Commerce Stilwell Okla. Commercial Bank 4.46 2.25 131,854 43.03 55.51
13 First Credit Bank Los Angeles Calif. Commercial Bank 4.24 6.12 429,706 9.58 25.23
14 Nebraska State Bank Oshkosh Neb. Commercial Bank 4.08 4.15 49,707 24.13 39.10
15 Crown Bank Elizabeth N.J. Commercial Bank 4.04 1.86 523,218 20.73 41.41
16 Apex Bank Camden Tenn. Commercial Bank 3.98 3.95 581,088 28.62 39.80
17 Charter Bank Corpus Christi Tex. Commercial Bank 3.65 3.26 294,632 33.86 46.89
18 PrinsBank Prinsburg Minn. Commercial Bank 3.53 3.70 146,642 21.52 42.42
19 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 3.47 3.18 441,172 30.86 44.04
20 Allied First Bank,sb Oswego Ill. Savings Bank 3.42 -0.38 109,678 29.13 93.16
21 American Interstate Bank Elkhorn Neb. Commercial Bank 3.23 2.67 101,583 17.36 34.08
22 Yellowstone Bank Laurel Mont. Commercial Bank 3.19 2.88 793,600 16.91 44.00
23 Douglas National Bank Douglas Ga. Commercial Bank 3.14 2.89 180,606 25.38 48.24
24 WestSide Bank Hiram Ga. Commercial Bank 3.10 0.79 135,250 31.56 81.88
25 Quantum National Bank Suwanee Ga. Commercial Bank 3.08 2.84 512,653 27.10 43.43
26 Calwest Bank Irvine Calif. Commercial Bank 3.06 0.99 234,170 30.66 83.32
Magnolia Bank Magnolia Ky. Commercial Bank 3.06 1.41 313,272 30.62 86.44
28 Peoples Community Bank Greenville Mo. Commercial Bank 3.02 2.81 489,241 17.28 39.43
29 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 3.00 2.93 215,876 22.12 45.67
30 Brazos National Bank Richwood Tex. Commercial Bank 2.95 2.79 29,476 9.90 87.56
California First National Bank Irvine Calif. Commercial Bank 2.95 2.62 138,610 7.00 44.62
32 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 2.92 3.00 96,953 24.83 27.84
33 State Bank of Wheaton Wheaton Minn. Commercial Bank 2.90 2.98 88,375 11.96 36.19
34 Hodge Bank & Trust Company Hodge La. Commercial Bank 2.85 3.07 71,424 15.24 42.86
35 Bank of Mauston Mauston Wis. Commercial Bank 2.84 2.65 295,312 21.85 39.24
North Valley Bank Thornton Colo. Commercial Bank 2.84 2.54 179,550 23.69 49.22
37 National Bank of Andrews Andrews Tex. Commercial Bank 2.82 2.95 214,931 26.58 58.02
38 NewFirst National Bank El Campo Tex. Commercial Bank 2.80 2.58 745,470 23.87 49.73
39 Community Bank of Easton Easton Ill. Commercial Bank 2.79 2.54 37,917 13.75 19.73
40 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 2.77 2.64 329,986 32.02 47.50
41 Virginia Partners Bank Fredericksburg Va. Commercial Bank 2.76 0.64 448,984 27.04 82.74
42 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.75 2.85 295,292 20.16 44.23
43 Farmers & Merchants Savings Bank Manchester Iowa Commercial Bank 2.74 1.69 582,350 22.91 43.86
Home Bank of California San Diego Calif. Commercial Bank 2.74 3.05 177,359 19.62 40.73
PromiseOne Bank Duluth Ga. Commercial Bank 2.74 2.84 450,362 20.90 52.70
Solon State Bank Solon Iowa Commercial Bank 2.74 2.10 96,180 11.12 48.18
Utah Independent Bank Salina Utah Commercial Bank 2.74 2.80 88,100 17.81 54.25
48 Bank of England England Ark. Commercial Bank 2.72 1.41 464,504 20.12 91.29
49 First National Bank of Picayune Picayune Miss. Commercial Bank 2.71 2.67 202,876 18.23 50.18
50 First National Bank of Eldorado Eldorado Tex. Commercial Bank 2.70 2.56 61,706 15.92 52.75
Wallis Bank Wallis Tex. Commercial Bank 2.70 2.96 796,690 22.63 53.70
52 Brighton Bank Salt Lake City Utah Commercial Bank 2.69 2.45 219,734 21.16 50.71
53 Bank of Hemet Riverside Calif. Commercial Bank 2.68 2.57 692,472 24.65 40.37
Tejas Bank Monahans Tex. Commercial Bank 2.68 2.85 190,437 23.93 44.38
55 Millennium Bank Des Plaines Ill. Commercial Bank 2.67 2.52 153,551 23.12 58.54
Mississippi River Bank Belle Chasse La. Commercial Bank 2.67 2.88 106,155 19.17 54.06
57 FNB South Alma Ga. Commercial Bank 2.66 2.87 411,952 16.39 45.91
58 Bank of Hydro Hydro Okla. Commercial Bank 2.64 2.77 127,533 23.25 48.49
HNB National Bank Hannibal Mo. Commercial Bank 2.64 2.42 517,723 19.34 49.83
Oklahoma State Bank Buffalo Okla. Commercial Bank 2.64 3.08 55,972 25.10 53.38
61 Bank of Texas Midland Tex. Commercial Bank 2.63 2.41 395,158 20.55 31.88
62 Tolleson Private Bank Dallas Tex. Commercial Bank 2.60 1.79 552,275 28.40 44.09
63 First National Bank of Bangor Bangor Wis. Commercial Bank 2.59 2.90 233,929 8.24 24.25
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.59 2.49 539,180 20.39 32.05
Security State Bank Sutherland Iowa Commercial Bank 2.59 2.53 228,070 26.42 41.20
66 Grant County State Bank Swayzee Ind. Commercial Bank 2.57 2.48 196,412 22.18 29.40
67 Crockett National Bank San Antonio Tex. Commercial Bank 2.56 2.15 660,762 20.65 72.79
Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 2.56 2.14 206,728 21.73 80.41
69 EvaBank Cullman Ala. Commercial Bank 2.55 2.84 382,838 9.48 41.29
Prime Bank Edmond Okla. Commercial Bank 2.55 2.63 285,956 19.98 39.72
71 Peoples Bank Mendenhall Miss. Commercial Bank 2.54 1.99 309,299 25.65 62.51
72 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 2.53 2.21 381,717 25.46 55.92
73 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.52 2.15 40,267 24.35 47.74
74 Community Bank Longview Tex. Commercial Bank 2.51 2.38 213,488 22.64 42.10
Midwest Community Bank Freeport Ill. Commercial Bank 2.51 0.97 244,416 22.92 79.43
TexasBank Brownwood Tex. Commercial Bank 2.51 2.58 495,325 18.48 52.77
77 Farmers Bank Ault Colo. Commercial Bank 2.50 2.42 255,768 18.19 46.13
First National Bank of Las Animas Las Animas Colo. Commercial Bank 2.50 2.51 377,118 20.08 46.77
First State Bank Elmore City Okla. Commercial Bank 2.50 1.19 13,709 18.72 90.66
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.50 2.36 319,985 25.91 50.78
81 Northside Community Bank Gurnee Ill. Commercial Bank 2.49 1.26 243,562 10.70 63.03
82 First Eagle Bank Chicago Ill. Commercial Bank 2.48 2.76 538,085 14.25 39.44
83 First Security Bank of Nevada Las Vegas Nev. Commercial Bank 2.46 2.34 228,967 11.59 42.01
Lake Central Bank Annandale Minn. Commercial Bank 2.46 1.81 158,401 18.15 51.80
85 State Bank of Cochran Cochran Ga. Commercial Bank 2.45 2.46 217,462 14.88 52.83
86 Bank of Prague Prague Neb. Commercial Bank 2.44 2.35 29,509 16.77 58.82
87 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.43 2.26 231,636 25.13 44.35
First Bank Erick Okla. Commercial Bank 2.43 2.14 72,316 19.79 56.02
89 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.42 2.79 73,818 15.54 48.08
Prime Alliance Bank Woods Cross Utah Commercial Bank 2.42 2.50 499,297 22.81 28.08
91 Vermillion State Bank Vermillion Minn. Commercial Bank 2.41 2.40 597,824 15.15 33.21
92 Bank of Ontario Ontario Wis. Commercial Bank 2.40 1.85 49,173 20.46 55.18
First State Bank Louise Tex. Commercial Bank 2.40 2.29 518,824 25.72 54.24
St. Henry Bank Saint Henry Ohio Commercial Bank 2.40 2.30 309,775 15.57 40.71
95 Central Bank and Trust Lander Wyo. Commercial Bank 2.39 0.41 159,053 24.58 55.62
96 Bank of Montana Missoula Mont. Commercial Bank 2.38 4.04 96,540 19.18 58.40
97 Coffee County Bank Manchester Tenn. Commercial Bank 2.37 2.65 199,092 20.32 47.48
Heritage Bank, National Association Spicer Minn. Commercial Bank 2.37 0.37 403,053 25.11 61.33
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.37 2.26 313,610 16.66 39.93
Pony Express Bank Liberty Mo. Commercial Bank 2.37 2.38 176,255 18.94 52.40
South Georgia Bank Glennville Ga. Commercial Bank 2.37 2.37 163,406 18.87 54.89
102 Texas Bank Financial Weatherford Tex. Commercial Bank 2.36 2.46 441,769 25.06 60.35
103 Bank of the West Thomas Okla. Commercial Bank 2.35 2.38 163,386 18.28 52.26
Embassy National Bank Lawrenceville Ga. Commercial Bank 2.35 2.52 109,617 14.00 63.28
Security State Bank Cheyenne Okla. Commercial Bank 2.35 2.85 167,899 15.74 46.48
106 Bank Northwest Hamilton Mo. Commercial Bank 2.34 2.36 171,788 24.67 46.76
Riverside Bank Sparkman Ark. Commercial Bank 2.34 2.38 60,349 26.77 54.03
108 Bank of Cordell Cordell Okla. Commercial Bank 2.33 1.68 37,430 21.60 57.91
Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.33 2.33 613,543 22.10 54.70
110 California Pacific Bank San Francisco Calif. Commercial Bank 2.32 2.30 77,392 5.50 50.48
Commercial Bank of Mott Mott N.D. Commercial Bank 2.32 2.21 107,873 16.21 42.48
Englewood Bank & Trust Englewood Fla. Commercial Bank 2.32 2.14 314,440 24.18 52.25
Kearny County Bank Lakin Kan. Commercial Bank 2.32 1.97 218,701 13.07 52.99
114 First National Bank of Hughes Springs Hughes Springs Tex. Commercial Bank 2.31 1.67 267,974 17.76 60.45
Grundy Bank Morris Ill. Commercial Bank 2.31 2.17 275,209 20.77 53.12
Midwest Bank Detroit Lakes Minn. Commercial Bank 2.31 2.39 527,460 24.10 44.01
117 Bank of Elgin Elgin Neb. Commercial Bank 2.30 2.15 61,328 15.11 48.83
Butte State Bank Butte Neb. Commercial Bank 2.30 0.68 42,811 18.13 56.59
Citizens State Bank Miles Tex. Commercial Bank 2.30 2.61 158,984 23.95 45.77
Farmers and Merchants Bank Maysville Okla. Commercial Bank 2.30 1.70 18,280 27.46 61.06
KodaBank Drayton N.D. Commercial Bank 2.30 2.29 154,617 17.68 41.08
122 Bank of Old Monroe Old Monroe Mo. Commercial Bank 2.29 1.95 391,852 15.00 49.75
123 American National Bank-Fox Cities Appleton Wis. Commercial Bank 2.28 1.90 301,912 16.41 48.87
Commercial Bank Crawford Ga. Commercial Bank 2.28 2.47 232,672 21.20 52.54
First National Bank of Anson Anson Tex. Commercial Bank 2.28 1.89 65,538 24.94 58.21
Hamlin Bank and Trust Company Smethport Pa. Commercial Bank 2.28 0.39 388,807 10.26 56.42
127 Bank of Advance Advance Mo. Commercial Bank 2.27 2.40 325,998 16.91 52.23
Coleman County State Bank Coleman Tex. Commercial Bank 2.27 2.03 124,911 22.93 63.63
129 Bank of Bozeman Bozeman Mont. Commercial Bank 2.26 0.79 80,301 19.88 85.73
Ultima Bank Minnesota Winger Minn. Commercial Bank 2.26 2.39 188,654 21.82 54.84
Wells Bank Platte City Mo. Commercial Bank 2.26 2.09 249,659 22.90 50.63
132 BOC Bank Amarillo Tex. Commercial Bank 2.25 1.96 49,856 13.44 58.82
Citizens State Bank Marysville Kan. Commercial Bank 2.25 2.18 354,208 21.88 36.58
First Bank Burkburnett Tex. Commercial Bank 2.25 2.28 478,725 20.03 68.98
First State Bank Scottsbluff Neb. Commercial Bank 2.25 2.60 301,352 23.07 55.92
136 Grand Timber Bank McGregor Minn. Commercial Bank 2.24 1.55 44,292 15.23 59.92
North American Banking Company Roseville Minn. Commercial Bank 2.24 1.99 667,289 24.15 50.64
Security First National Bank of Hugo Hugo Okla. Commercial Bank 2.24 2.34 118,030 24.42 52.01
139 Central State Bank Clayton Ill. Commercial Bank 2.23 2.74 144,404 14.49 48.47
Citizens First National Bank Storm Lake Iowa Commercial Bank 2.23 2.15 209,171 19.37 46.72
Wauchula State Bank Wauchula Fla. Commercial Bank 2.23 2.09 724,975 18.46 49.61
142 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.22 2.20 89,572 20.96 56.06
New Haven Bank New Haven Conn. Commercial Bank 2.22 0.52 147,685 21.45 81.84
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 2.22 2.31 78,810 17.65 56.22
State Bank of New Richland New Richland Minn. Commercial Bank 2.22 2.41 119,248 23.88 42.15
146 First State Bank Shallowater Tex. Commercial Bank 2.21 2.43 95,194 11.98 57.07
Senath State Bank Senath Mo. Commercial Bank 2.21 1.97 83,698 14.48 51.95
148 First Bank of Owasso Owasso Okla. Commercial Bank 2.20 2.27 408,475 20.72 45.06
First State Bank of Beecher City Beecher City Ill. Commercial Bank 2.20 2.33 71,367 12.72 51.44
Town Center Bank New Lenox Ill. Commercial Bank 2.20 1.74 106,841 18.26 92.60
Union Bank & Trust Company Livingston Tenn. Commercial Bank 2.20 2.20 85,796 16.59 50.95
152 First State Bank and Trust Company of Larned Larned Kan. Commercial Bank 2.19 1.33 165,875 16.42 57.04
153 Bellevue State Bank Bellevue Iowa Commercial Bank 2.18 2.27 121,869 14.82 41.06
Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.18 2.31 296,830 26.33 60.76
Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.18 2.25 312,961 13.25 38.72
156 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 2.17 2.10 394,595 27.37 50.44
Freedom Bank Huntingburg Ind. Commercial Bank 2.17 2.27 447,085 20.77 43.56
Heartland Bank Somers Iowa Commercial Bank 2.17 1.98 160,107 15.88 53.15
Lowry State Bank Lowry Minn. Commercial Bank 2.17 2.55 52,223 23.17 52.81
160 Badger Bank Fort Atkinson Wis. Commercial Bank 2.16 1.02 136,705 16.36 53.80
Brunswick State Bank Brunswick Neb. Commercial Bank 2.16 2.45 136,893 22.63 41.56
Ciera Bank Graham Tex. Commercial Bank 2.16 1.24 631,956 17.45 57.14
Rockwood Bank Eureka Mo. Commercial Bank 2.16 1.02 243,230 14.58 56.74
164 Adrian Bank Adrian Mo. Commercial Bank 2.15 1.55 140,485 18.50 52.28
Citizens Bank Amarillo Tex. Commercial Bank 2.15 2.12 181,167 20.40 51.71
Esquire Bank, National Association Jericho N.Y. Commercial Bank 2.15 1.74 790,602 16.68 50.43
Farmers and Merchants State Bank Langdon N.D. Commercial Bank 2.15 1.82 110,763 14.86 43.04
First American Bank, National Association Hudson Wis. Commercial Bank 2.15 0.76 130,548 15.24 45.75
First Bank of Berne Berne Ind. Commercial Bank 2.15 1.93 714,301 21.02 49.35
First General Bank Rowland Heights Calif. Commercial Bank 2.15 2.31 977,318 15.67 30.73
First State Bank of Le Center Le Center Minn. Commercial Bank 2.15 1.66 86,916 19.51 53.68
Goodfield State Bank Goodfield Ill. Commercial Bank 2.15 2.97 134,438 16.49 54.28
Town and Country Bank Midwest Quincy Ill. Commercial Bank 2.15 2.22 192,075 19.59 52.72
174 First Colony Bank of Florida Maitland Fla. Commercial Bank 2.14 2.17 231,322 21.54 45.03
175 Community Bank Bristow Okla. Commercial Bank 2.13 2.13 87,138 23.85 50.88
Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 2.13 2.02 145,082 20.09 55.31
Town-Country National Bank Camden Ala. Commercial Bank 2.13 1.98 111,439 11.54 55.31
178 Bank of Columbia Columbia Ky. Commercial Bank 2.12 2.06 148,828 20.72 56.41
Bank, The Oberlin Kan. Commercial Bank 2.12 1.89 360,047 15.89 43.52
Farmers Trust & Savings Bank Williamsburg Iowa Commercial Bank 2.12 2.06 154,287 8.42 46.15
Fidelity Bank Edina Minn. Commercial Bank 2.12 1.82 534,016 12.08 53.56
First Whitney Bank and Trust Atlantic Iowa Commercial Bank 2.12 2.12 231,742 19.07 36.69
Horizon Bank Waverly Neb. Commercial Bank 2.12 2.29 354,526 15.68 39.36
184 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 2.11 2.14 178,904 21.12 54.16
Citizens Bank of Edina Edina Mo. Commercial Bank 2.11 2.00 73,639 17.25 37.51
Edmonton State Bank Edmonton Ky. Commercial Bank 2.11 1.99 546,125 14.66 55.18
HomeBank Texas Seagoville Tex. Commercial Bank 2.11 2.16 201,434 19.35 54.08
Lindell Bank & Trust Company Saint Louis Mo. Commercial Bank 2.11 1.92 517,968 10.90 49.60
Paradise Bank Boca Raton Fla. Commercial Bank 2.11 2.16 333,057 19.19 62.05
190 Central National Bank Waco Tex. Commercial Bank 2.10 1.97 938,698 22.92 45.10
Durden Banking Company, Incorporated Twin City Ga. Commercial Bank 2.10 1.88 177,000 13.14 58.57
F & C Bank Holden Mo. Commercial Bank 2.10 1.92 234,223 19.99 58.13
193 Elysian Bank Elysian Minn. Commercial Bank 2.09 1.76 50,617 18.47 55.93
First State Bank of Bedias Bedias Tex. Commercial Bank 2.09 1.79 160,313 12.91 48.26
195 Farmers & Stockmens Bank Clayton N.M. Commercial Bank 2.08 2.06 223,079 16.02 71.37
McKenzie Banking Company McKenzie Tenn. Commercial Bank 2.08 2.22 132,194 14.49 64.53
197 Basile State Bank Basile La. Commercial Bank 2.07 1.90 56,230 18.09 61.74
Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 2.07 1.96 877,477 20.62 53.02
Lusk State Bank Lusk Wyo. Commercial Bank 2.07 1.91 54,255 14.87 57.20
PBK Bank, Inc. Stanford Ky. Commercial Bank 2.07 1.69 118,641 15.41 59.30
Pine Island Bank Pine Island Minn. Commercial Bank 2.07 1.93 109,290 18.48 45.10
Ramsey National Bank Devils Lake N.D. Commercial Bank 2.07 1.78 255587 15.57 56.25

Note: Independent banks and thrifts operating as of Mar. 6, 2020 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.

© 2019 American Banker

Source: https://www.spglobal.com/en/