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Community banking

Community Banks with the Highest Returns on Average Assets

May 29, 2018, 11:20 a.m. EDT 1 Min Read

Year to date through Mar. 31, 2018. 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 1Q 2018 1Q 2017
1 Haverford Trust Company Radnor Pa. Commercial Bank 8.03 5.59 $140,985 48.47 75.41
2 Independence Bank East Greenwich R.I. Commercial Bank 7.89 4.06 59,477 42.55 38.43
3 Apex Bank Camden Tenn. Commercial Bank 6.29 5.99 546,195 44.30 29.67
4 PrinsBank Prinsburg Minn. Commercial Bank 5.23 6.54 129,638 33.50 39.30
5 First Credit Bank Los Angeles Calif. Commercial Bank 4.99 6.29 447,434 12.08 19.33
6 Stanley Bank Overland Park Kan. Commercial Bank 4.63 1.55 110,735 26.38 47.56
7 Utah Independent Bank Salina Utah Commercial Bank 4.53 1.44 81,633 33.24 40.09
8 Benchmark Bank Plano Tex. Commercial Bank 4.35 3.08 562,028 42.76 55.69
9 State Bank of Texas Dallas Tex. Commercial Bank 4.19 18.00 798,948 22.45 27.17
10 Spring Valley Bank Wyoming Ohio Commercial Bank 4.16 4.42 70,658 9.49 33.56
11 Wood & Huston Bank Marshall Mo. Commercial Bank 4.12 1.97 676,755 35.76 37.00
12 FinWise Bank Sandy Utah Commercial Bank 3.94 3.58 80,257 23.16 64.60
13 Bank 7 Oklahoma City Okla. Commercial Bank 3.66 4.19 705,775 34.04 36.24
14 Community Bank of Raymore Raymore Mo. Commercial Bank 3.59 2.74 245,382 43.88 45.56
15 Texas National Bank Mercedes Tex. Commercial Bank 3.55 1.33 262,691 38.86 45.86
16 Nebraska State Bank Oshkosh Neb. Commercial Bank 3.48 4.02 47,382 22.82 41.81
17 First Colorado National Bank Paonia Colo. Commercial Bank 3.44 -1.30 64,255 17.14 73.53
Jefferson Bank Greenville Miss. Commercial Bank 3.44 3.60 118,600 20.08 36.95
19 McKenzie Banking Company McKenzie Tenn. Commercial Bank 3.40 1.10 132,347 26.08 51.01
20 Security State Bank Cheyenne Okla. Commercial Bank 3.39 2.48 174,421 24.17 38.93
21 Continental Bank Salt Lake City Utah Commercial Bank 3.35 2.31 165,144 19.90 48.23
22 FNB South Alma Ga. Commercial Bank 3.31 3.05 373,021 22.52 41.56
23 Farmers State Bank Stickney S.D. Commercial Bank 3.25 1.32 118,338 29.37 37.46
24 First Eagle Bank Chicago Ill. Commercial Bank 3.24 2.69 485,687 20.50 34.69
25 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 3.23 2.74 388,680 33.95 45.63
26 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 3.22 3.13 84,085 30.12 30.15
27 Central State Bank Clayton Ill. Commercial Bank 3.16 2.54 133,924 21.29 42.43
28 Hodge Bank & Trust Company Hodge La. Commercial Bank 3.12 2.07 71,719 18.28 37.59
29 Bank of Montana Missoula Mont. Commercial Bank 3.11 10.12 84,476 29.37 50.80
30 Central Bank of Kansas City Kansas City Mo. Commercial Bank 3.06 9.05 155,846 17.56 63.04
Charter Bank Corpus Christi Tex. Commercial Bank 3.06 3.13 263,806 28.02 35.54
32 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.94 2.99 287,391 22.91 43.13
33 First National Bank of Las Animas Las Animas Colo. Commercial Bank 2.88 2.32 344,227 23.49 44.33
34 Bank of Morton Morton Miss. Commercial Bank 2.86 2.99 68,366 20.00 52.20
35 Peoples Community Bank Greenville Mo. Commercial Bank 2.83 2.91 467,873 17.43 42.02
36 Randall State Bank Randall Minn. Commercial Bank 2.81 2.21 42,471 23.69 51.57
Wallis State Bank Wallis Tex. Commercial Bank 2.81 2.53 634,660 27.09 50.82
38 Bank of Hydro Hydro Okla. Commercial Bank 2.80 2.61 126,774 26.85 42.44
First Bank Burkburnett Tex. Commercial Bank 2.80 2.36 370,531 24.24 64.48
Port Richmond Savings Philadelphia Pa. Savings Bank 2.80 2.42 69,080 14.47 42.78
Security State Bank Farwell Tex. Commercial Bank 2.80 3.01 140,175 22.66 33.21
42 Rock Canyon Bank Provo Utah Commercial Bank 2.78 2.43 398,505 28.83 54.61
Victor State Bank Victor Iowa Commercial Bank 2.78 2.62 55,082 10.25 17.96
44 Prime Bank Edmond Okla. Commercial Bank 2.77 2.64 261,299 22.23 41.38
45 Welcome State Bank Welcome Minn. Commercial Bank 2.75 1.89 28,742 27.09 48.65
46 Yellowstone Bank Laurel Mont. Commercial Bank 2.73 2.63 736,682 15.25 41.20
47 Douglas National Bank Douglas Ga. Commercial Bank 2.72 2.29 182,249 22.87 52.91
High Plains Bank Keyes Okla. Commercial Bank 2.72 2.58 89,634 24.91 36.84
49 Mississippi River Bank Belle Chasse La. Commercial Bank 2.69 2.26 117,361 22.94 50.86
50 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 2.68 2.36 203,141 20.47 50.99
51 CFG Community Bank Baltimore Md. Commercial Bank 2.66 2.74 697,303 15.24 57.51
Collins State Bank Collins Wis. Commercial Bank 2.66 0.56 81,723 30.99 54.39
Peoples State Bank Summit S.D. Commercial Bank 2.66 2.62 71,704 24.02 39.33
54 First National Bank of Bangor Bangor Wis. Commercial Bank 2.65 2.26 224,366 9.83 22.16
55 Commercial Bank Crawford Ga. Commercial Bank 2.64 2.48 164,849 25.09 46.06
First Financial Bank El Dorado Ark. Commercial Bank 2.64 2.88 942,314 19.64 59.51
57 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 2.63 2.37 248,911 30.58 46.89
58 First National Bank of Picayune Picayune Miss. Commercial Bank 2.62 2.21 222,362 20.02 49.08
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.62 2.08 488,942 21.67 33.99
60 National Bank of Andrews Andrews Tex. Commercial Bank 2.61 2.89 192,540 23.97 59.11
Premier Bank Rock Valley Iowa Commercial Bank 2.61 2.74 522,994 25.41 32.25
Tejas Bank Monahans Tex. Commercial Bank 2.61 1.86 151,883 24.55 46.15
63 Home Bank of California San Diego Calif. Commercial Bank 2.60 2.50 162,577 17.49 45.64
64 Commercial State Bank Andrews Tex. Commercial Bank 2.59 1.95 595,906 22.25 53.27
Commercial State Bank of Wagner Wagner S.D. Commercial Bank 2.59 2.35 177,970 25.93 42.49
Willamette Valley Bank Salem Ore. Commercial Bank 2.59 2.02 217,203 22.06 80.66
67 Millennium Bank Des Plaines Ill. Commercial Bank 2.57 4.91 97,368 21.53 58.92
New Century Bank Belleville Kan. Commercial Bank 2.57 2.25 45,544 23.30 63.65
69 First State Bank Shallowater Tex. Commercial Bank 2.56 2.90 108,005 17.32 46.05
70 California First National Bank Irvine Calif. Commercial Bank 2.55 1.11 367,851 9.65 39.44
Sound Banking Company Lakewood Wash. Commercial Bank 2.55 2.07 58,663 28.05 50.70
72 California Pacific Bank San Francisco Calif. Commercial Bank 2.54 1.79 72,924 6.52 37.71
State Bank of Wheaton Wheaton Minn. Commercial Bank 2.54 2.36 79,020 10.78 44.81
Vermillion State Bank Vermillion Minn. Commercial Bank 2.54 2.30 539,553 16.96 26.39
75 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 2.53 2.66 53,731 19.55 44.85
Community Bank of Easton Easton Ill. Commercial Bank 2.53 1.70 34,310 13.85 24.19
Security State Bank Sutherland Iowa Commercial Bank 2.53 2.71 124,135 25.14 34.68
78 1st Bank & Trust Broken Bow Okla. Commercial Bank 2.52 2.31 152,209 25.78 46.38
79 Farmers State Bank of Waupaca Waupaca Wis. Commercial Bank 2.51 1.30 184,024 18.49 47.37
80 Flint Community Bank Albany Ga. Commercial Bank 2.50 1.37 221,274 29.73 50.62
81 AmeriState Bank Atoka Okla. Commercial Bank 2.49 2.06 272,386 27.51 60.01
Citizens State Bank Miles Tex. Commercial Bank 2.49 2.30 125,297 24.73 47.32
83 First Citizens Bank of Polson, National Association Polson Mont. Commercial Bank 2.48 -1.23 18,686 33.33 66.02
First National Bank Fort Pierre S.D. Commercial Bank 2.48 2.16 961,772 10.32 36.72
85 American Pride Bank Macon Ga. Commercial Bank 2.47 1.48 170,982 16.09 59.20
Coffee County Bank Manchester Tenn. Commercial Bank 2.47 2.46 182,583 21.31 48.73
Grant County State Bank Swayzee Ind. Commercial Bank 2.47 2.23 176,070 23.02 30.62
Ultima Bank Minnesota Winger Minn. Commercial Bank 2.47 2.16 169,737 23.73 52.16
89 EvaBank Cullman Ala. Commercial Bank 2.46 2.05 375,600 11.01 39.64
Lamar Bank and Trust Company Lamar Mo. Commercial Bank 2.46 2.44 146,641 23.87 47.31
Prime Alliance Bank Woods Cross Utah Commercial Bank 2.46 2.09 304,917 21.18 32.55
TexasBank Brownwood Tex. Commercial Bank 2.46 2.31 485,846 19.07 51.70
93 Peoples Bank Westville Okla. Commercial Bank 2.45 2.56 47,183 19.61 59.69
94 Bank of the West Thomas Okla. Commercial Bank 2.44 2.35 161,305 21.45 50.67
Riverside Bank Sparkman Ark. Commercial Bank 2.44 2.02 60,703 28.67 52.87
96 Commercial State Bank Palmer Tex. Commercial Bank 2.43 1.75 82,296 31.84 56.18
NewFirst National Bank El Campo Tex. Commercial Bank 2.43 1.78 698,567 22.03 54.36
98 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.41 2.71 70,188 16.15 50.33
Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.41 2.37 245,013 28.53 57.05
100 Chambers State Bank Chambers Neb. Commercial Bank 2.40 1.46 61,604 8.91 37.44
First National Bank at Saint James Saint James Minn. Commercial Bank 2.40 0.37 30,900 28.65 66.34
Solon State Bank Solon Iowa Commercial Bank 2.40 1.96 96,993 10.22 50.94
103 Bank of Mauston Mauston Wis. Commercial Bank 2.39 2.15 291,779 20.17 42.93
104 American Interstate Bank Elkhorn Neb. Commercial Bank 2.38 1.81 108,262 15.97 43.05
Heritage State Bank Lawrenceville Ill. Commercial Bank 2.38 2.93 97,548 23.79 44.44
Oklahoma State Bank Buffalo Okla. Commercial Bank 2.38 2.27 53,117 23.59 55.81
107 Farmers Bank Ault Colo. Commercial Bank 2.37 2.17 227,828 17.38 47.88
Town and Country Bank Midwest Quincy Ill. Commercial Bank 2.37 2.32 173,867 21.26 48.03
109 Farmers & Merchants Savings Bank Waukon Iowa Commercial Bank 2.36 1.84 160,749 18.01 40.28
North Valley Bank Thornton Colo. Commercial Bank 2.36 2.46 163,784 19.79 54.61
111 Palo Savings Bank Palo Iowa Commercial Bank 2.35 1.49 33,052 18.17 45.58
112 Adrian Bank Adrian Mo. Commercial Bank 2.34 2.06 144,300 23.24 38.92
Bank of Advance Advance Mo. Commercial Bank 2.34 2.11 317,443 17.94 51.68
Bank of Soperton Soperton Ga. Commercial Bank 2.34 1.48 71,545 25.40 60.60
First Bank of Owasso Owasso Okla. Commercial Bank 2.34 2.44 361,879 21.07 46.88
St. Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 2.34 2.13 90,824 19.65 34.59
117 Great Plains National Bank Hollis Okla. Commercial Bank 2.33 1.72 624,162 21.05 67.55
118 Bank of Geneva Geneva Ind. Commercial Bank 2.32 2.45 277,769 21.60 47.85
First IC Bank Doraville Ga. Commercial Bank 2.32 2.20 410,908 14.85 54.16
Midwest Bank Detroit Lakes Minn. Commercial Bank 2.32 2.02 419,387 24.08 46.63
Sutton Bank Attica Ohio Commercial Bank 2.32 1.88 505,918 23.01 54.30
122 Central Bank and Trust Co. Hutchinson Kan. Commercial Bank 2.31 1.90 308,149 24.18 51.04
Heartland State Bank Redfield S.D. Commercial Bank 2.31 1.86 78,941 17.62 53.90
Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 2.31 2.06 139,502 23.43 51.25
125 Bank of Alma Alma Wis. Commercial Bank 2.30 2.17 225,569 5.16 20.38
126 Kinmundy Bank Kinmundy Ill. Commercial Bank 2.29 1.75 46,139 17.63 43.70
West Town Bank & Trust North Riverside Ill. Commercial Bank 2.29 1.56 329,548 20.71 56.04
128 Bellevue State Bank Bellevue Iowa Commercial Bank 2.28 2.14 107,956 16.09 43.04
Community Bank Longview Tex. Commercial Bank 2.28 2.16 222,981 22.70 43.38
Foresight Bank Plainview Minn. Commercial Bank 2.28 1.58 234,809 24.29 47.69
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.28 2.18 312,417 18.04 40.25
South Georgia Bank Glennville Ga. Commercial Bank 2.28 2.00 161,525 20.67 54.80
133 Amerasia Bank Flushing N.Y. Commercial Bank 2.27 1.58 577,815 20.68 37.76
First Home Bank Seminole Fla. Commercial Bank 2.27 3.29 295,425 18.53 75.15
First Whitney Bank and Trust Atlantic Iowa Commercial Bank 2.27 2.12 215,115 21.71 30.73
Murphy Bank Fresno Calif. Commercial Bank 2.27 2.41 257,353 19.66 49.01
137 Bank of Hemet Riverside Calif. Commercial Bank 2.26 2.04 683,655 23.16 42.64
Peoples Bank & Trust Pana Ill. Commercial Bank 2.26 2.06 401,382 23.35 48.26
139 Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.25 2.02 304,723 12.43 37.16
140 Security First National Bank of Hugo Hugo Okla. Commercial Bank 2.24 1.72 113,643 27.08 50.72
State Bank of New Richland New Richland Minn. Commercial Bank 2.24 2.50 102,613 23.86 44.63
Union Bank & Trust Company Livingston Tenn. Commercial Bank 2.24 2.39 84,466 17.30 50.83
Winona National Bank Winona Minn. Commercial Bank 2.24 0.35 302,745 16.79 71.78
144 Bank of Baker Baker Mont. Commercial Bank 2.23 1.86 141,429 21.07 42.98
Central National Bank of Poteau Poteau Okla. Commercial Bank 2.23 1.89 237,093 21.67 54.82
Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.23 1.93 547,654 23.14 55.46
Ericson State Bank Ericson Neb. Commercial Bank 2.23 1.70 87,548 22.27 32.50
First National Bank in Okeene Okeene Okla. Commercial Bank 2.23 2.31 77,683 13.50 34.16
Goodfield State Bank Goodfield Ill. Commercial Bank 2.23 1.91 118,091 18.22 53.25
150 Commercial Capital Bank Delhi La. Commercial Bank 2.22 2.37 162,970 18.53 58.06
Four Corners Community Bank Farmington N.M. Commercial Bank 2.22 1.89 362,147 19.94 51.13
152 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.21 1.93 223,375 23.58 47.74
Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 2.21 1.88 109,116 20.90 47.48
First National Bank of Central Texas Waco Tex. Commercial Bank 2.21 2.00 856,156 24.14 46.73
155 Freedom Bank Huntingburg Ind. Commercial Bank 2.20 2.28 406,762 21.11 42.98
HNB National Bank Hannibal Mo. Commercial Bank 2.20 2.26 477,815 17.77 52.77
Peoples Bank Rock Valley Iowa Commercial Bank 2.20 2.00 499,686 16.78 47.03
Pony Express Bank Liberty Mo. Commercial Bank 2.20 1.96 171,035 18.06 54.11
St. Henry Bank Saint Henry Ohio Commercial Bank 2.20 2.22 308,407 15.62 41.38
160 Citizens State Bank Marysville Kan. Commercial Bank 2.19 2.13 336,566 22.62 35.82
First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 2.19 2.02 358,628 28.78 48.96
First State Bank of Malta Malta Mont. Commercial Bank 2.19 0.67 135,515 13.60 37.60
KodaBank Drayton N.D. Commercial Bank 2.19 2.23 147,318 18.70 44.33
Tolleson Private Bank Dallas Tex. Commercial Bank 2.19 1.71 549,650 27.63 44.87
165 Citizens State Bank Monticello Iowa Commercial Bank 2.18 1.88 398,607 18.57 44.62
First National Bank & Trust Company of McAlester McAlester Okla. Commercial Bank 2.18 1.56 482,409 19.61 49.98
First State Bank of Beecher City Beecher City Ill. Commercial Bank 2.18 1.57 71,677 12.78 51.57
Welch State Bank of Welch, Oklahoma Welch Okla. Commercial Bank 2.18 1.73 266,598 17.84 55.69
169 Venture Bank Bloomington Minn. Commercial Bank 2.17 2.20 727,809 23.00 53.71
170 Mid-America Bank Baldwin City Kan. Commercial Bank 2.16 1.15 174,174 20.34 54.83
State Bank of Cochran Cochran Ga. Commercial Bank 2.16 1.63 219,692 14.12 53.47
172 Bank of Commerce Stilwell Okla. Commercial Bank 2.15 1.33 80,196 16.48 60.68
First General Bank Rowland Heights Calif. Commercial Bank 2.15 1.71 907,073 18.10 28.26
First National Bank & Trust of Elk City Elk City Okla. Commercial Bank 2.15 1.77 316,368 20.78 49.42
175 Brunswick State Bank Brunswick Neb. Commercial Bank 2.14 1.86 118,548 22.76 43.13
First State Bank Scottsbluff Neb. Commercial Bank 2.14 2.19 227,170 20.04 54.85
Gothenburg State Bank Gothenburg Neb. Commercial Bank 2.14 1.77 153,050 16.03 54.37
Republic Bank, Inc. Duluth Minn. Commercial Bank 2.14 1.39 392,870 19.67 63.51
179 Alton Bank Alton Mo. Commercial Bank 2.13 2.13 67,854 16.40 55.40
Bank of Elgin Elgin Neb. Commercial Bank 2.13 1.51 59,625 16.07 47.07
Clackamas County Bank Sandy Ore. Commercial Bank 2.13 1.44 221,191 17.96 63.36
First Farmers & Merchants National Bank Luverne Minn. Commercial Bank 2.13 1.81 174,829 13.56 51.99
Peoples State Bank Manhattan Kan. Commercial Bank 2.13 0.81 216,769 21.52 50.36
Points West Community Bank Windsor Colo. Commercial Bank 2.13 1.94 249,200 21.16 46.72
185 Heritage Bank of Nevada Reno Nev. Commercial Bank 2.12 1.65 830,865 19.29 39.55
Horizon Bank Waverly Neb. Commercial Bank 2.12 1.75 275,076 14.44 44.94
NSB Bank Mason City Iowa Commercial Bank 2.12 1.91 211,893 20.64 44.08
Peoples Bank and Trust Company of Pointe Coupee Parish New Roads La. Commercial Bank 2.12 1.71 265,432 16.43 42.10
Security National Bank of Omaha Omaha Neb. Commercial Bank 2.12 1.39 875,619 19.83 65.28
State Guaranty Bank Okeene Okla. Commercial Bank 2.12 1.52 54,115 20.04 40.30
191 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.11 1.93 82,471 22.39 56.60
Main Bank Albuquerque N.M. Commercial Bank 2.11 1.91 133,701 21.74 46.27
Marion County State Bank Pella Iowa Commercial Bank 2.11 2.04 300,657 19.56 44.72
Quantum National Bank Suwanee Ga. Commercial Bank 2.11 2.17 460,287 19.12 43.18
195 Bank of Texas Midland Tex. Commercial Bank 2.10 1.88 354,967 19.12 35.14
Brighton Bank Salt Lake City Utah Commercial Bank 2.10 1.86 218,843 18.68 56.81
Trust Bank Lenox Ga. Commercial Bank 2.10 1.95 34,552 20.00 72.53
198 Bank of Columbia Columbia Ky. Commercial Bank 2.09 2.00 136,487 20.92 56.38
Bank of DeSoto, National Association Desoto Tex. Commercial Bank 2.09 1.65 190,514 19.69 63.44
Commerce National Bank & Trust Winter Park Fla. Commercial Bank 2.09 1.61 108,249 16.28 71.78

Note: Independent banks and thrifts operating as of May. 25, 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
)

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