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Community banking

Community Banks with the Highest Returns on Average Assets

June 03, 2019, 10:58 a.m. EDT 1 Min Read

Year to date through Mar. 31, 2019. Dollars in thousands.

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Community Banks with the Highest Returns on Average Assets

Return on average assets

  
Rank Company City State Type of charter 1Q 2019 1Q 2018 Total
assets		  Return on
average equity		  Efficiency ratio
1 Independence Bank East Greenwich R.I. Commercial Bank 11.44 7.89 $65,846 42.78 24.36
2 Bank of Louisiana New Orleans La. Commercial Bank 10.74 -1.08 79,479 113.23 117.69
3 Bank of Bozeman Bozeman Mont. Commercial Bank 8.20 0.69 78,574 75.35 83.24
4 FinWise Bank Murray Utah Commercial Bank 6.40 3.94 130,632 41.33 45.72
5 Badger Bank Fort Atkinson Wis. Commercial Bank 6.27 0.79 136,342 48.59 34.02
6 Citizens National Bank at Brownwood Brownwood Tex. Commercial Bank 6.17 1.75 211,763 48.90 27.62
7 Northside Community Bank Gurnee Ill. Commercial Bank 5.97 0.90 236,828 25.38 65.38
8 Valley Bank of Kalispell Kalispell Mont. Commercial Bank 5.76 1.05 120,558 51.26 36.99
9 PrinsBank Prinsburg Minn. Commercial Bank 5.37 5.23 137,246 33.16 35.87
10 Butte State Bank Butte Neb. Commercial Bank 5.21 0.58 41,199 42.15 36.70
11 Haverford Trust Company Radnor Pa. Commercial Bank 5.20 8.03 131,631 27.78 84.50
12 Jefferson Bank Greenville Miss. Commercial Bank 4.97 3.44 126,542 28.12 28.44
13 NBKC Bank Kansas City Mo. Commercial Bank 4.48 1.51 719,314 35.58 71.17
14 First Security Bank of Nevada Las Vegas Nev. Commercial Bank 4.45 1.33 226,130 21.45 29.39
15 First State Bank of Le Center Le Center Minn. Commercial Bank 4.34 1.89 84,197 39.98 38.34
16 First National Bank of Fairfax Fairfax Minn. Commercial Bank 4.20 1.71 30,289 11.35 35.81
17 State Bank of Texas Dallas Tex. Commercial Bank 4.19 4.19 886,174 27.06 26.30
18 First Credit Bank Los Angeles Calif. Commercial Bank 4.18 4.99 436,598 9.70 24.97
19 Liberty Trust & Savings Bank Durant Iowa Commercial Bank 4.17 1.24 147,363 20.22 28.85
20 Apex Bank Camden Tenn. Commercial Bank 4.12 6.29 578,245 31.80 40.93
21 Spring Valley Bank Wyoming Ohio Commercial Bank 3.99 4.16 77,231 9.64 29.58
22 Nebraska State Bank Oshkosh Neb. Commercial Bank 3.77 3.48 49,234 22.82 42.04
23 First State Bank Elmore City Okla. Commercial Bank 3.74 0.80 12,885 21.55 89.84
24 Community Bank of Raymore Raymore Mo. Commercial Bank 3.61 3.59 264,096 47.86 43.71
25 Central Bank of Kansas City Kansas City Mo. Commercial Bank 3.56 3.06 164,541 20.51 63.27
26 Charter Bank Corpus Christi Tex. Commercial Bank 3.52 3.06 277,439 33.77 46.88
27 Security State Bank Farwell Tex. Commercial Bank 3.47 2.80 153,470 27.82 27.26
28 Security State Bank Cheyenne Okla. Commercial Bank 3.46 3.39 172,923 24.72 37.40
29 California Pacific Bank San Francisco Calif. Commercial Bank 3.34 2.54 75,759 8.01 35.71
30 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 3.33 3.23 403,056 32.69 43.90
31 Crown Bank Elizabeth N.J. Commercial Bank 3.28 1.09 536,015 17.61 46.33
32 Cape Ann Savings Bank Gloucester Mass. Savings Bank 3.20 1.32 658,456 13.39 66.92
33 Utah Independent Bank Salina Utah Commercial Bank 3.17 4.53 82,874 21.17 48.95
34 Bank of Cordell Cordell Okla. Commercial Bank 3.08 1.89 39,815 30.68 47.22
35 Quantum National Bank Suwanee Ga. Commercial Bank 3.07 2.11 498,452 26.93 44.80
36 Hodge Bank & Trust Company Hodge La. Commercial Bank 3.01 3.12 71,633 16.52 40.71
37 Sutton Bank Attica Ohio Commercial Bank 2.99 2.32 553,199 28.88 50.76
Tejas Bank Monahans Tex. Commercial Bank 2.99 2.61 177,410 27.14 39.40
39 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 2.96 3.22 94,750 26.14 30.29
40 Central State Bank Clayton Ill. Commercial Bank 2.93 3.16 140,648 19.14 44.82
Yellowstone Bank Laurel Mont. Commercial Bank 2.93 2.73 753,862 15.64 38.85
42 American Interstate Bank Elkhorn Neb. Commercial Bank 2.89 2.38 109,637 17.51 35.65
Century Bank of the Ozarks Gainesville Mo. Commercial Bank 2.89 2.06 181,309 29.85 51.84
Mississippi River Bank Belle Chasse La. Commercial Bank 2.89 2.69 110,617 22.15 50.51
National Bank of Andrews Andrews Tex. Commercial Bank 2.89 2.61 219,381 28.01 57.31
46 Farmers & Merchants Bank Tomah Wis. Commercial Bank 2.87 0.70 195,117 23.37 76.60
47 Sound Banking Company Lakewood Wash. Commercial Bank 2.85 2.55 55,861 29.09 48.51
Willamette Valley Bank Salem Ore. Commercial Bank 2.85 2.59 263,939 23.65 75.48
49 Community Bank of Easton Easton Ill. Commercial Bank 2.84 2.53 34,836 14.49 23.08
50 1st Bank & Trust Broken Bow Okla. Commercial Bank 2.83 2.52 159,105 26.46 43.79
51 Northstar Bank Bad Axe Mich. Commercial Bank 2.82 0.96 649,760 28.16 60.61
PromiseOne Bank Duluth Ga. Commercial Bank 2.82 2.06 391,090 21.35 51.86
53 Home Bank of California San Diego Calif. Commercial Bank 2.81 2.60 171,371 19.37 41.76
State Bank of Bellingham Bellingham Minn. Commercial Bank 2.81 1.77 51,788 26.59 33.96
55 First National Bank of Picayune Picayune Miss. Commercial Bank 2.80 2.62 212,358 19.40 48.28
56 Bank7 Oklahoma City Okla. Commercial Bank 2.79 3.66 786,422 23.32 34.11
57 Bank of Prague Prague Neb. Commercial Bank 2.78 1.78 28,144 18.94 50.35
58 North Valley Bank Thornton Colo. Commercial Bank 2.76 2.36 175,508 23.36 50.49
59 Bank of Texas Midland Tex. Commercial Bank 2.75 2.10 365,285 22.74 30.47
60 NewFirst National Bank El Campo Tex. Commercial Bank 2.74 2.43 698,121 23.55 52.04
Peoples Community Bank Greenville Mo. Commercial Bank 2.74 2.83 488,246 16.08 40.81
Spring Bank Bronx N.Y. Commercial Bank 2.74 1.88 187,010 21.46 62.18
63 City National Bank of New Jersey Newark N.J. Commercial Bank 2.73 0.22 155,922 95.13 142.01
Embassy National Bank Lawrenceville Ga. Commercial Bank 2.73 2.02 112,900 17.09 68.86
65 Bank of Alma Alma Wis. Commercial Bank 2.72 2.30 232,439 5.88 13.80
Bank of Hydro Hydro Okla. Commercial Bank 2.72 2.80 127,445 24.44 46.17
Hamlin Bank and Trust Company Smethport Pa. Commercial Bank 2.72 1.29 398,982 12.75 50.57
68 Alliance Bank Saint Paul Minn. Commercial Bank 2.71 1.33 602,846 24.13 67.78
Chambers State Bank Chambers Neb. Commercial Bank 2.71 2.40 59,975 9.12 37.67
Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 2.71 2.68 212,981 20.02 49.90
71 Bank of Hemet Riverside Calif. Commercial Bank 2.70 2.26 699,000 25.20 40.51
Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 2.70 2.63 290,759 31.75 46.71
Oklahoma State Bank Buffalo Okla. Commercial Bank 2.70 2.38 54,773 27.15 52.18
74 Adrian Bank Adrian Mo. Commercial Bank 2.67 2.34 143,296 24.86 39.91
Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.67 2.94 299,773 20.93 42.92
76 Buckholts State Bank Buckholts Tex. Commercial Bank 2.66 2.25 76,553 15.67 41.42
Solon State Bank Solon Iowa Commercial Bank 2.66 2.40 100,455 11.12 46.84
78 Douglas National Bank Douglas Ga. Commercial Bank 2.65 2.72 186,616 21.67 54.55
79 Farmers Bank Ault Colo. Commercial Bank 2.64 2.37 236,737 18.68 46.04
80 TexasBank Brownwood Tex. Commercial Bank 2.63 2.46 502,646 19.66 51.07
81 First Eagle Bank Chicago Ill. Commercial Bank 2.62 3.24 506,277 15.66 38.88
82 KodaBank Drayton N.D. Commercial Bank 2.61 2.19 144,525 21.05 41.19
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.61 2.28 312,007 18.76 37.85
84 Bank of Mauston Mauston Wis. Commercial Bank 2.60 2.39 292,601 20.56 40.48
85 Citizens State Bank Miles Tex. Commercial Bank 2.59 2.49 148,393 27.28 40.77
First Security Bank Beaver Okla. Commercial Bank 2.59 2.02 117,052 26.79 42.80
First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.59 1.96 39,219 24.49 46.28
88 Peoples State Bank Cherryvale Kan. Commercial Bank 2.56 2.02 16,716 9.39 56.05
Welcome State Bank Welcome Minn. Commercial Bank 2.56 2.75 30,607 23.24 49.74
Western States Bank Laramie Wyo. Commercial Bank 2.56 0.92 462,520 21.86 49.67
91 First National Bank of Bangor Bangor Wis. Commercial Bank 2.55 2.65 219,417 8.57 24.47
Peoples Bank Westville Okla. Commercial Bank 2.55 2.45 48,993 21.11 58.17
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.55 2.62 499,794 20.02 36.26
State Bank of Wheaton Wheaton Minn. Commercial Bank 2.55 2.54 82,014 10.61 40.63
95 Commercial Bank Crawford Ga. Commercial Bank 2.53 2.64 184,161 23.84 45.99
Commercial Bank of Mott Mott N.D. Commercial Bank 2.53 2.04 102,857 18.15 40.11
EvaBank Cullman Ala. Commercial Bank 2.53 2.46 373,989 9.96 41.13
Prime Alliance Bank Woods Cross Utah Commercial Bank 2.53 2.46 432,723 24.60 25.89
Prime Bank Edmond Okla. Commercial Bank 2.53 2.77 267,501 19.13 44.00
100 Community Bank Longview Tex. Commercial Bank 2.52 2.28 219,745 23.32 41.24
101 Farmers and Merchants Bank Baldwyn Miss. Commercial Bank 2.51 1.52 347,610 18.20 50.88
102 First National Bank of Las Animas Las Animas Colo. Commercial Bank 2.50 2.88 373,262 20.81 45.98
Points West Community Bank Windsor Colo. Commercial Bank 2.50 2.13 255,375 24.22 47.75
104 Brighton Bank Salt Lake City Utah Commercial Bank 2.49 2.10 209,117 20.06 52.09
105 First Bank and Trust New Orleans La. Commercial Bank 2.48 1.41 930,619 24.57 58.32
FNB South Alma Ga. Commercial Bank 2.48 3.31 382,698 15.69 49.61
Pine Island Bank Pine Island Minn. Commercial Bank 2.48 1.71 100,778 22.04 40.33
Vermillion State Bank Vermillion Minn. Commercial Bank 2.48 2.54 560,092 15.81 28.93
109 Bank of the West Thomas Okla. Commercial Bank 2.47 2.44 148,119 19.40 51.69
McIntosh County Bank Ashley N.D. Commercial Bank 2.47 1.91 87,185 21.29 45.81
Wallis Bank Wallis Tex. Commercial Bank 2.47 2.81 718,071 20.53 55.68
112 HNB National Bank Hannibal Mo. Commercial Bank 2.46 2.20 475,900 17.51 52.34
113 Merchants and Planters Bank Raymond Miss. Commercial Bank 2.45 0.45 91,706 25.19 56.71
Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.45 2.25 309,874 14.51 35.58
115 Morris Bank Dublin Ga. Commercial Bank 2.44 2.01 762,304 22.74 59.52
116 First National Bank in Okeene Okeene Okla. Commercial Bank 2.43 2.23 84,635 14.70 35.41
Mainstreet Community Bank of Florida Deland Fla. Commercial Bank 2.43 1.21 426,964 29.91 62.40
Ultima Bank Minnesota Winger Minn. Commercial Bank 2.43 2.47 175,462 23.59 53.14
119 High Plains Bank Keyes Okla. Commercial Bank 2.42 2.72 96,822 21.83 43.55
120 Grant County State Bank Swayzee Ind. Commercial Bank 2.41 2.47 183,667 20.56 31.96
Grundy Bank Morris Ill. Commercial Bank 2.41 2.08 271,970 21.82 50.88
122 Peoples Bank Mendenhall Miss. Commercial Bank 2.40 0.87 311,250 25.50 59.49
Security First National Bank of Hugo Hugo Okla. Commercial Bank 2.40 2.24 110,015 27.35 50.04
Stockgrowers State Bank Ashland Kan. Commercial Bank 2.40 0.91 131,433 16.73 67.98
125 First National Bank of Central Texas Waco Tex. Commercial Bank 2.39 2.21 860,504 24.38 44.37
126 Amerasia Bank Flushing N.Y. Commercial Bank 2.38 2.27 634,397 20.18 35.13
First National Bank of Albany Albany Tex. Commercial Bank 2.38 1.86 589,774 20.90 38.69
First State Bank Shallowater Tex. Commercial Bank 2.38 2.56 107,270 14.42 52.18
Wells Bank Platte City Mo. Commercial Bank 2.38 1.80 221,713 24.58 47.85
130 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.37 2.21 226,893 25.63 45.19
Durden Banking Company, Incorporated Twin City Ga. Commercial Bank 2.37 1.72 180,201 15.41 56.78
Town and Country Bank Midwest Quincy Ill. Commercial Bank 2.37 2.37 191,738 21.73 46.51
133 First Farmers State Bank Minier Ill. Commercial Bank 2.36 1.37 172,134 19.90 50.85
First General Bank Rowland Heights Calif. Commercial Bank 2.36 2.15 954,328 18.04 28.22
Grand Timber Bank McGregor Minn. Commercial Bank 2.36 1.42 42,523 16.25 58.57
Riverside Bank Sparkman Ark. Commercial Bank 2.36 2.44 62,341 28.26 56.42
South Georgia Bank Glennville Ga. Commercial Bank 2.36 2.28 162,932 19.74 54.06
St. Henry Bank Saint Henry Ohio Commercial Bank 2.36 2.20 297,470 15.60 40.82
139 Farmers Trust & Savings Bank Williamsburg Iowa Commercial Bank 2.35 1.94 135,032 9.28 42.17
140 Heritage Bank of Nevada Reno Nev. Commercial Bank 2.34 2.12 840,486 18.41 35.29
Legacy Bank & Trust Company Rogersville Mo. Commercial Bank 2.34 1.01 261,456 21.20 45.87
Port Richmond Savings Philadelphia Pa. Savings Bank 2.34 2.80 76,744 12.76 50.64
Tolleson Private Bank Dallas Tex. Commercial Bank 2.34 2.19 571,895 25.43 47.08
144 Lowry State Bank Lowry Minn. Commercial Bank 2.33 1.71 51,708 20.89 52.98
145 BOC Bank Amarillo Tex. Commercial Bank 2.32 2.54 50,984 13.60 61.54
Coffee County Bank Manchester Tenn. Commercial Bank 2.32 2.47 195,706 19.95 48.23
Vermilion Valley Bank Piper City Ill. Commercial Bank 2.32 1.93 124,577 13.46 38.59
148 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 2.31 2.09 177,963 19.11 59.67
Midwest Bank Detroit Lakes Minn. Commercial Bank 2.31 2.32 469,885 23.77 47.08
150 Bank of Montana Missoula Mont. Commercial Bank 2.30 3.11 84,206 18.11 58.33
Bellevue State Bank Bellevue Iowa Commercial Bank 2.30 2.28 115,993 16.03 39.75
Security State Bank of Oklahoma Wewoka Okla. Commercial Bank 2.30 1.77 253,170 22.15 44.10
153 Bank Northwest Hamilton Mo. Commercial Bank 2.29 1.82 170,378 25.77 46.93
Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.29 2.41 256,412 27.19 57.71
Lake Central Bank Annandale Minn. Commercial Bank 2.29 2.00 149,603 18.55 54.70
Pony Express Bank Liberty Mo. Commercial Bank 2.29 2.20 179,475 18.45 53.30
Security State Bank Sutherland Iowa Commercial Bank 2.29 2.53 144,732 22.73 35.63
State Guaranty Bank Okeene Okla. Commercial Bank 2.29 2.12 54,034 20.67 39.47
159 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 2.28 2.20 368,572 24.24 58.74
160 Bank of Star Valley Afton Wyo. Commercial Bank 2.27 1.83 217,366 23.24 44.39
Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 2.27 1.77 83,451 27.58 52.35
Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 2.27 2.06 269,956 23.31 52.95
163 BOM Bank Natchitoches La. Commercial Bank 2.26 1.80 428,699 23.44 60.61
164 Citizens State Bank Marysville Kan. Commercial Bank 2.25 2.19 344,196 22.76 35.12
First State Bank Scottsbluff Neb. Commercial Bank 2.25 2.14 217,077 19.42 53.97
166 Alamosa State Bank Alamosa Colo. Commercial Bank 2.24 1.93 257,492 22.70 43.03
Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.24 2.23 574,344 22.38 55.80
Farmers and Merchants Bank Maysville Okla. Commercial Bank 2.24 1.63 19,600 27.85 60.00
Lindell Bank & Trust Company Saint Louis Mo. Commercial Bank 2.24 1.98 528,959 11.93 45.29
Northwestern Bank Orange City Iowa Commercial Bank 2.24 2.02 220,308 15.48 37.04
Oregon Community Bank Oregon Wis. Commercial Bank 2.24 1.73 480,531 15.27 41.08
Texas Bank Financial Weatherford Tex. Commercial Bank 2.24 2.05 374,938 23.80 61.55
173 Citizens Bank Amarillo Tex. Commercial Bank 2.23 1.99 160,331 20.88 48.78
Commercial State Bank of Wagner Wagner S.D. Commercial Bank 2.23 2.59 186,618 22.75 45.80
Millennium Bank Des Plaines Ill. Commercial Bank 2.23 2.57 129,362 19.24 66.23
Sooner State Bank Tuttle Okla. Commercial Bank 2.23 1.64 217,476 19.09 53.57
177 Citizens Bank of Edina Edina Mo. Commercial Bank 2.22 1.96 69,632 18.59 36.07
First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 2.22 2.19 378,929 29.76 50.45
Grant County State Bank Carson N.D. Commercial Bank 2.22 1.88 36,773 18.54 51.58
Town-Country National Bank Camden Ala. Commercial Bank 2.22 2.00 109,019 12.49 52.29
181 Payne County Bank Perkins Okla. Commercial Bank 2.21 1.87 170,313 12.12 48.75
Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 2.21 2.31 142,579 21.34 53.38
Union Bank & Trust Company Livingston Tenn. Commercial Bank 2.21 2.24 80,709 17.74 49.85
184 Englewood Bank & Trust Englewood Fla. Commercial Bank 2.20 2.04 307,386 24.20 54.35
First National Bank of Hughes Springs Hughes Springs Tex. Commercial Bank 2.20 1.76 279,349 17.91 59.71
First State Bank of Bedias Bedias Tex. Commercial Bank 2.20 1.93 157,474 14.11 47.36
State Bank of Downs Downs Kan. Commercial Bank 2.20 1.78 88,911 17.28 51.60
188 Home State Bank Royal Iowa Commercial Bank 2.19 2.04 46,611 7.73 39.51
McKenzie Banking Company McKenzie Tenn. Commercial Bank 2.19 3.40 130,260 15.93 62.60
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 2.19 2.02 81,243 17.32 52.67
State Bank of Cochran Cochran Ga. Commercial Bank 2.19 2.16 214,219 13.53 53.59
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.19 2.01 314,843 23.91 52.80
193 First Bank of Owasso Owasso Okla. Commercial Bank 2.18 2.34 432,109 21.41 44.05
Security Bank Midland Tex. Commercial Bank 2.18 1.94 907,416 15.86 59.08
195 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 2.17 2.53 57,014 16.73 49.81
Community State Bank Lamar Colo. Commercial Bank 2.17 1.80 118,288 16.27 50.74
Farmers and Merchants State Bank Langdon N.D. Commercial Bank 2.17 1.85 106,846 15.41 40.14
Franklin State Bank & Trust Company Winnsboro La. Commercial Bank 2.17 1.54 168,649 23.08 59.45
State Bank of New Richland New Richland Minn. Commercial Bank 2.17 2.24 109,527 23.59 43.06
200 First Farmers & Merchants Bank Cannon Falls Minn. Commercial Bank 2.16 1.93 312,814 15.22 54.97
Great Plains Bank Eureka S.D. Commercial Bank 2.16 1.87 112,566 17.36 42.68
Kearny County Bank Lakin Kan. Commercial Bank 2.16 1.71 205,068 12.62 51.13

Note: Independent banks and thrifts operating as of May. 30, 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.
© 2019 American Banker
Source:

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

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