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Community banking

Community Banks with the Highest Returns on Average Assets

March 11, 2019, 11:17 a.m. EDT 1 Min Read

Year to date through Dec. 31, 2018. Dollars in thousands.

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Community Banks with the Highest Returns on Average Assets

Return on average assets

 Total Return on  Efficiency
Rank Company City State Type of charter 4Q 2018 4Q 2017 assets average equity ratio
1 Independence Bank East Greenwich R.I. Commercial Bank 9.54 5.14 $63,827 43.89 32.74
2 Haverford Trust Company Radnor Pa. Commercial Bank 7.82 4.37 128,577 43.63 76.87
3 First Credit Bank Los Angeles Calif. Commercial Bank 5.66 5.69 476,271 14.03 9.66
4 FinWise Bank Murray Utah Commercial Bank 4.89 3.84 116,270 29.02 56.88
5 Central Bank of Kansas City Kansas City Mo. Commercial Bank 4.78 4.57 177,251 25.71 57.06
6 State Bank of Texas Dallas Tex. Commercial Bank 4.61 8.07 919,422 26.29 25.78
7 EH National Bank Beverly Hills Calif. Commercial Bank 4.55 0.60 206,024 26.34 89.83
8 Spring Valley Bank Wyoming Ohio Commercial Bank 4.21 4.02 76,230 9.79 30.09
9 Nebraska State Bank Oshkosh Neb. Commercial Bank 4.15 3.78 52,123 26.44 37.41
10 Bank of Montana Missoula Mont. Commercial Bank 4.04 4.73 86,550 35.36 48.05
11 Apex Bank Camden Tenn. Commercial Bank 3.95 2.96 559,994 32.23 40.00
12 Town & Country Bank Las Vegas Nev. Commercial Bank 3.90 4.64 172,757 33.12 52.13
13 PrinsBank Prinsburg Minn. Commercial Bank 3.70 3.84 138,847 23.30 45.80
14 Golden State Bank Glendale Calif. Commercial Bank 3.68 1.05 307,840 33.58 60.17
15 Willamette Valley Bank Salem Ore. Commercial Bank 3.53 2.80 241,136 29.84 75.32
16 Bank 7 Oklahoma City Okla. Commercial Bank 3.49 3.65 769,508 31.78 35.83
17 First Secure Bank and Trust Co. Palos Hills Ill. Commercial Bank 3.45 0.63 148,993 35.41 60.11
18 Central Bank Savannah Tenn. Commercial Bank 3.27 0.67 94,170 31.33 81.20
19 Charter Bank Corpus Christi Tex. Commercial Bank 3.26 3.23 282,122 31.53 45.88
20 CFG Community Bank Baltimore Md. Commercial Bank 3.20 2.58 832,274 18.64 55.79
21 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 3.18 2.93 420,967 31.45 45.91
22 Golden Pacific Bank, National Association Sacramento Calif. Commercial Bank 3.14 0.93 128,396 31.20 78.89
23 Oklahoma State Bank Buffalo Okla. Commercial Bank 3.08 2.36 56,628 29.90 49.30
24 Bank of Alma Alma Wis. Commercial Bank 3.07 1.72 235,265 6.77 15.77
Hodge Bank & Trust Company Hodge La. Commercial Bank 3.07 2.24 69,188 17.30 40.81
New Century Bank Belleville Kan. Commercial Bank 3.07 2.44 55,863 28.34 58.19
27 Bank of Morton Morton Miss. Commercial Bank 3.06 3.05 67,784 21.15 52.29
Valley Bank of Nevada North Las Vegas Nev. Commercial Bank 3.06 0.88 134,537 34.81 86.05
29 Home Bank of California San Diego Calif. Commercial Bank 3.05 2.95 163,685 20.73 38.00
30 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 3.00 3.28 91,128 27.20 32.77
31 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 2.99 6.30 39,979 21.42 95.07
32 State Bank of Wheaton Wheaton Minn. Commercial Bank 2.98 2.81 85,362 12.60 33.73
33 Goodfield State Bank Goodfield Ill. Commercial Bank 2.97 2.09 122,073 23.85 47.75
Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 2.97 1.85 105,391 29.87 54.82
35 Wallis Bank Wallis Tex. Commercial Bank 2.96 2.53 719,184 26.98 50.52
36 National Bank of Andrews Andrews Tex. Commercial Bank 2.95 2.93 216,144 27.28 56.00
37 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 2.93 2.64 204,761 22.30 47.27
38 First National Bank of Bangor Bangor Wis. Commercial Bank 2.90 1.94 230,926 10.27 21.56
39 Douglas National Bank Douglas Ga. Commercial Bank 2.89 2.75 179,334 23.95 51.61
40 Mississippi River Bank Belle Chasse La. Commercial Bank 2.88 2.39 112,459 24.36 50.95
Yellowstone Bank Laurel Mont. Commercial Bank 2.88 2.83 744,624 15.87 40.94
42 FNB South Alma Ga. Commercial Bank 2.87 2.63 371,807 18.50 43.33
43 Security State Bank Cheyenne Okla. Commercial Bank 2.85 2.45 173,984 20.29 40.24
Tejas Bank Monahans Tex. Commercial Bank 2.85 1.81 176,873 26.24 42.69
Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.85 2.72 294,284 22.19 42.04
46 EvaBank Cullman Ala. Commercial Bank 2.84 2.61 371,717 12.28 38.79
NOA Bank Duluth Ga. Commercial Bank 2.84 3.48 387,614 22.86 51.27
Quantum National Bank Suwanee Ga. Commercial Bank 2.84 1.86 489,828 24.74 43.66
49 Peoples Community Bank Greenville Mo. Commercial Bank 2.81 2.95 469,116 17.31 42.06
50 Utah Independent Bank Salina Utah Commercial Bank 2.80 1.64 80,735 19.37 53.44
51 Brazos National Bank Richwood Tex. Commercial Bank 2.79 2.35 26,678 9.26 88.05
Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.79 2.27 75,269 18.40 47.98
53 Bank of Hydro Hydro Okla. Commercial Bank 2.77 2.70 126,267 25.90 45.35
54 First Eagle Bank Chicago Ill. Commercial Bank 2.76 2.66 506,632 17.56 37.35
55 Central State Bank Clayton Ill. Commercial Bank 2.74 2.52 139,711 17.80 46.07
Northern State Bank of Virginia Virginia Minn. Commercial Bank 2.74 0.81 71,954 31.68 40.93
57 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 2.73 2.45 52,372 21.16 44.69
58 Valor Bank Edmond Okla. Commercial Bank 2.71 0.86 82,938 30.22 59.60
59 First National Bank of Layton Layton Utah Commercial Bank 2.69 1.82 334,709 20.42 56.95
60 American Interstate Bank Elkhorn Neb. Commercial Bank 2.67 2.12 117,422 17.03 39.17
First National Bank of Picayune Picayune Miss. Commercial Bank 2.67 2.34 208,597 20.23 49.79
62 Bank of Mauston Mauston Wis. Commercial Bank 2.65 2.48 291,045 22.05 41.44
Coffee County Bank Manchester Tenn. Commercial Bank 2.65 2.60 191,293 23.08 45.31
64 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 2.64 2.47 280,047 30.39 49.22
First Colorado National Bank Paonia Colo. Commercial Bank 2.64 1.42 69,231 12.96 75.11
66 Prime Bank Edmond Okla. Commercial Bank 2.63 2.75 267,899 20.89 43.30
67 California First National Bank Irvine Calif. Commercial Bank 2.62 1.59 272,063 7.44 44.07
68 Bank of Baker Baker Mont. Commercial Bank 2.61 2.13 130,054 23.55 40.49
Citizens State Bank Miles Tex. Commercial Bank 2.61 2.50 149,385 26.18 44.01
70 First State Bank Scottsbluff Neb. Commercial Bank 2.60 2.59 218,213 23.72 49.59
71 First National Bank Fort Pierre S.D. Commercial Bank 2.58 1.59 997,633 10.46 36.15
NewFirst National Bank El Campo Tex. Commercial Bank 2.58 2.30 712,353 22.76 51.30
Platinum Bank Oakdale Minn. Commercial Bank 2.58 1.11 254,539 29.80 58.26
TexasBank Brownwood Tex. Commercial Bank 2.58 2.39 486,790 19.51 50.43
75 Bank of Hemet Riverside Calif. Commercial Bank 2.57 2.25 724,035 25.38 40.20
Rabun County Bank Clayton Ga. Commercial Bank 2.57 1.21 176,217 20.78 69.99
77 1st Bank & Trust Broken Bow Okla. Commercial Bank 2.56 2.43 152,040 25.71 47.42
78 Lowry State Bank Lowry Minn. Commercial Bank 2.55 1.74 50,913 24.66 49.28
79 Community Bank of Easton Easton Ill. Commercial Bank 2.54 1.85 37,214 13.67 21.34
Heritage Bank Hinesville Ga. Commercial Bank 2.54 -0.97 590,842 31.77 76.54
North Valley Bank Thornton Colo. Commercial Bank 2.54 2.55 169,563 21.92 51.68
82 Continental Bank Salt Lake City Utah Commercial Bank 2.53 2.21 165,317 15.59 60.10
Security Bank, s.b. Springfield Ill. Savings Bank 2.53 0.28 147,726 26.08 83.13
Security State Bank Sutherland Iowa Commercial Bank 2.53 2.66 139,969 24.89 33.93
Welcome State Bank Welcome Minn. Commercial Bank 2.53 2.19 30,559 23.63 56.73
86 Embassy National Bank Lawrenceville Ga. Commercial Bank 2.52 2.21 103,095 18.30 64.11
Millennium Bank Des Plaines Ill. Commercial Bank 2.52 2.39 116,804 21.45 60.13
88 First National Bank of Las Animas Las Animas Colo. Commercial Bank 2.51 2.40 361,632 21.51 46.64
Peoples State Bank Cherryvale Kan. Commercial Bank 2.51 1.68 16,919 9.16 55.05
90 Prime Alliance Bank Woods Cross Utah Commercial Bank 2.50 2.36 420,942 23.43 30.01
91 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.49 2.26 501,366 20.67 33.87
92 Grant County State Bank Swayzee Ind. Commercial Bank 2.48 2.29 177,183 22.86 30.94
93 Commercial Bank Crawford Ga. Commercial Bank 2.47 2.27 183,315 23.07 49.06
Points West Community Bank Windsor Colo. Commercial Bank 2.47 2.03 252,303 24.62 45.78
95 State Bank of Cochran Cochran Ga. Commercial Bank 2.46 1.99 218,625 15.32 51.67
Texas Bank Financial Weatherford Tex. Commercial Bank 2.46 2.29 348,428 24.58 63.62
97 Brighton Bank Salt Lake City Utah Commercial Bank 2.45 2.04 208,859 21.68 53.05
Brunswick State Bank Brunswick Neb. Commercial Bank 2.45 2.07 133,745 26.53 40.48
99 TransCapital Bank Sunrise Fla. Commercial Bank 2.44 2.36 204,107 14.05 44.18
100 First State Bank Shallowater Tex. Commercial Bank 2.43 2.14 112,292 15.62 51.05
Heartland State Bank Redfield S.D. Commercial Bank 2.43 1.94 87,210 19.70 54.41
102 Farmers Bank Ault Colo. Commercial Bank 2.42 2.21 233,683 17.67 46.12
HNB National Bank Hannibal Mo. Commercial Bank 2.42 2.27 469,791 18.97 51.42
104 Bank of Texas Midland Tex. Commercial Bank 2.41 1.97 375,768 21.09 32.37
Farmers & Merchants Savings Bank Waukon Iowa Commercial Bank 2.41 1.82 158,721 17.25 49.55
State Bank of New Richland New Richland Minn. Commercial Bank 2.41 2.46 111,034 25.17 41.48
Sutton Bank Attica Ohio Commercial Bank 2.41 1.65 525,258 23.45 53.75
Wood & Huston Bank Marshall Mo. Commercial Bank 2.41 1.81 713,950 20.77 50.73
109 Bank of Advance Advance Mo. Commercial Bank 2.40 2.26 335,784 17.73 49.70
Vermillion State Bank Vermillion Minn. Commercial Bank 2.40 2.57 556,823 15.89 31.84
111 Midwest Bank Detroit Lakes Minn. Commercial Bank 2.39 2.21 466,891 25.72 45.26
Ultima Bank Minnesota Winger Minn. Commercial Bank 2.39 2.29 176,649 23.31 52.78
113 Bank of the West Thomas Okla. Commercial Bank 2.38 2.46 152,656 20.08 51.95
Community Bank Longview Tex. Commercial Bank 2.38 2.18 219,573 22.80 42.80
Pony Express Bank Liberty Mo. Commercial Bank 2.38 1.95 171,255 19.33 52.21
Riverside Bank Sparkman Ark. Commercial Bank 2.38 2.43 62,570 28.17 52.67
117 South Georgia Bank Glennville Ga. Commercial Bank 2.37 2.17 159,559 20.97 56.67
118 Bank Northwest Hamilton Mo. Commercial Bank 2.36 2.07 166,014 27.58 52.22
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.36 2.27 314,141 26.43 51.26
120 Bank of Prague Prague Neb. Commercial Bank 2.35 2.67 27,850 15.87 56.68
Commerce National Bank & Trust Winter Park Fla. Commercial Bank 2.35 1.95 109,332 18.76 69.23
Native American Bank, National Association Denver Colo. Commercial Bank 2.35 0.76 113,297 21.67 90.95
West Town Bank & Trust North Riverside Ill. Commercial Bank 2.35 1.06 261,336 20.23 56.72
124 First Security Bank of Nevada Las Vegas Nev. Commercial Bank 2.34 1.29 202,392 12.36 44.45
Security First National Bank of Hugo Hugo Okla. Commercial Bank 2.34 1.60 111,917 26.15 52.36
126 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.33 2.10 559,864 23.85 54.89
First State Bank of Beecher City Beecher City Ill. Commercial Bank 2.33 2.06 72,895 13.23 52.82
128 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 2.32 2.33 178,976 23.94 40.19
129 First General Bank Rowland Heights Calif. Commercial Bank 2.31 1.31 947,186 18.67 29.19
Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.31 2.28 253,711 27.75 59.61
Heritage Bank of Nevada Reno Nev. Commercial Bank 2.31 1.58 829,650 20.02 37.18
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 2.31 2.16 79,523 19.57 52.75
133 California Pacific Bank San Francisco Calif. Commercial Bank 2.30 0.99 73,339 5.56 46.88
St. Henry Bank Saint Henry Ohio Commercial Bank 2.30 2.25 319,392 16.52 40.41
135 First State Bank Louise Tex. Commercial Bank 2.29 1.94 483,190 26.58 56.21
Great Plains National Bank Hollis Okla. Commercial Bank 2.29 2.35 769,862 22.10 69.73
Horizon Bank Waverly Neb. Commercial Bank 2.29 1.97 298,219 14.95 41.49
KodaBank Drayton N.D. Commercial Bank 2.29 2.29 147,317 18.89 42.13
139 Benchmark Bank Plano Tex. Commercial Bank 2.28 1.74 582,756 22.78 69.04
First Bank Burkburnett Tex. Commercial Bank 2.28 2.57 420,019 19.76 69.68
Liberty Bank Minnesota Saint Cloud Minn. Commercial Bank 2.28 2.09 211,084 18.77 62.28
Premier Bank Rock Valley Iowa Commercial Bank 2.28 1.58 552,325 21.56 33.70
143 Bellevue State Bank Bellevue Iowa Commercial Bank 2.27 2.21 117,943 15.63 44.28
Campbell County Bank, Inc. Herreid S.D. Commercial Bank 2.27 2.16 102,403 12.62 48.35
Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 2.27 1.62 266,601 22.94 53.59
First Bank of Owasso Owasso Okla. Commercial Bank 2.27 2.57 393,619 21.04 46.02
Freedom Bank Huntingburg Ind. Commercial Bank 2.27 2.31 419,791 21.70 43.10
Security Bank Midland Tex. Commercial Bank 2.27 1.34 871,904 17.13 59.25
149 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.26 2.18 224,420 25.95 45.50
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.26 2.21 311,494 17.86 38.81
151 Bank of George Las Vegas Nev. Commercial Bank 2.25 1.58 238,478 16.32 57.49
Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.25 2.15 299,887 12.79 37.67
Peoples Bank Westville Okla. Commercial Bank 2.25 1.99 47,763 18.19 59.97
154 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 2.22 1.86 172,864 20.03 59.46
Bank of Soperton Soperton Ga. Commercial Bank 2.22 1.74 79,062 24.04 60.31
McKenzie Banking Company McKenzie Tenn. Commercial Bank 2.22 1.17 128,798 15.93 63.06
Town and Country Bank Midwest Quincy Ill. Commercial Bank 2.22 2.00 167,003 19.53 53.06
158 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 2.21 1.94 348,341 26.05 55.86
Commercial Bank of Mott Mott N.D. Commercial Bank 2.21 2.01 99,568 16.24 43.80
First Farmers & Merchants National Bank Luverne Minn. Commercial Bank 2.21 1.74 180,953 13.79 50.53
161 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.20 2.14 81,937 22.32 56.53
Kinmundy Bank Kinmundy Ill. Commercial Bank 2.20 1.62 47,532 16.79 41.36
Security Bank Tulsa Okla. Commercial Bank 2.20 2.52 544,391 18.32 38.38
Union Bank & Trust Company Livingston Tenn. Commercial Bank 2.20 2.14 82,047 17.38 50.22
165 Union Bank of Mena Mena Ark. Commercial Bank 2.19 1.98 259,013 21.11 55.38
166 Citizens State Bank Marysville Kan. Commercial Bank 2.18 2.16 347,756 22.82 37.58
Peoples Bank Midwest Hayward Wis. Commercial Bank 2.18 1.93 373,698 10.75 46.34
168 First Colony Bank of Florida Maitland Fla. Commercial Bank 2.17 1.92 216,878 21.63 47.21
Grundy Bank Morris Ill. Commercial Bank 2.17 2.05 271,353 19.67 54.30
170 First Enterprise Bank Oklahoma City Okla. Commercial Bank 2.16 2.09 160,051 17.65 63.43
First IC Bank Doraville Ga. Commercial Bank 2.16 2.19 500,705 14.33 52.76
FirsTier Bank Kimball Neb. Commercial Bank 2.16 1.74 349,300 14.25 54.50
HomeBank Texas Seagoville Tex. Commercial Bank 2.16 1.50 189,096 21.61 54.02
Paradise Bank Boca Raton Fla. Commercial Bank 2.16 2.26 299,473 20.86 62.07
175 Bank of Elgin Elgin Neb. Commercial Bank 2.15 1.91 61,334 16.22 48.17
Bank of St. Elizabeth Saint Elizabeth Mo. Commercial Bank 2.15 2.10 140,064 17.04 60.31
Citizens First National Bank Storm Lake Iowa Commercial Bank 2.15 1.92 217,198 19.69 46.32
Community Bank of Raymore Raymore Mo. Commercial Bank 2.15 3.35 257,150 26.53 65.14
Crockett National Bank San Antonio Tex. Commercial Bank 2.15 2.34 643,198 18.12 79.10
First National Bank of Central Texas Waco Tex. Commercial Bank 2.15 2.01 851,721 23.68 48.55
First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.15 1.75 39,475 20.87 53.58
Morris Bank Dublin Ga. Commercial Bank 2.15 2.15 749,629 20.72 52.45
183 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 2.14 2.11 179,759 23.06 58.24
Dakota Western Bank Bowman N.D. Commercial Bank 2.14 2.15 280,686 18.86 47.85
Englewood Bank & Trust Englewood Fla. Commercial Bank 2.14 1.98 285,027 25.05 50.70
Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 2.14 1.99 224,796 21.69 51.39
First Bank Erick Okla. Commercial Bank 2.14 1.83 72,290 18.97 56.19
First Utah Bank Salt Lake City Utah Commercial Bank 2.14 2.46 378,936 18.37 74.50
Verus Bank of Commerce Fort Collins Colo. Commercial Bank 2.14 1.70 258,797 15.37 39.98
Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 2.14 2.13 197,445 21.35 81.64
191 City National Bank and Trust Company of Lawton, Oklahoma Lawton Okla. Commercial Bank 2.13 1.82 341,114 17.31 76.62
Community Bank Bristow Okla. Commercial Bank 2.13 1.54 85,846 25.68 53.74
193 Citizens Bank Amarillo Tex. Commercial Bank 2.12 1.90 159,818 20.85 52.35
First Whitney Bank and Trust Atlantic Iowa Commercial Bank 2.12 2.05 226,083 20.19 36.07
NSB Bank Mason City Iowa Commercial Bank 2.12 2.02 203,747 20.24 44.19
United Farmers State Bank Adams Minn. Commercial Bank 2.12 2.17 153,673 18.20 47.12
Western State Bank Garden City Kan. Commercial Bank 2.12 1.84 478,918 18.06 50.15
198 First Farmers & Merchants Bank Cannon Falls Minn. Commercial Bank 2.11 1.73 323,576 15.41 56.18
Four Corners Community Bank Farmington N.M. Commercial Bank 2.11 2.06 351,314 18.82 51.35
200 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 2.10 1.98 373,533 28.32 50.57
Solon State Bank Solon Iowa Commercial Bank 2.10 2.04 97,450 9.04 52.09
State Bank of Southwest Missouri Springfield Mo. Commercial Bank 2.1 1.23 117073 29.66 59.96

Note: Independent banks and thrifts operating as of Mar. 8, 2019 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.
© 2018 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)

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