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Community banking

Community Banks with the Highest Returns on Average Assets

August 27, 2018, 11:18 a.m. EDT 1 Min Read

Year to date through Jun. 30, 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 2Q 2018 2Q 2017
1 Independence Bank East Greenwich R.I. 13.46 7.47 $63,257 62.98 29.71
2 OptimumBank Plantation Fla. 9.26 -0.12 90,576 80.26 103.55
3 Native American Bank, National Association Denver Colo. 9.24 0.80 102,090 85.45 79.64
4 Haverford Trust Company Radnor Pa. 5.92 4.50 132,856 33.09 81.74
5 First Credit Bank Los Angeles Calif. 5.43 4.93 464,736 13.43 9.08
6 State Bank of Texas Dallas Tex. 5.26 4.57 814,368 28.47 25.68
7 Central Bank of Kansas City Kansas City Mo. 5.20 1.12 153,854 27.36 52.12
8 Champion Bank Parker Colo. 4.73 5.43 54,314 23.26 58.94
9 Willamette Valley Bank Salem Ore. 4.62 3.40 224,219 40.40 71.18
10 West Town Bank & Trust North Riverside Ill. 4.51 0.62 304,038 38.44 43.88
11 FinWise Bank Sandy Utah 4.39 3.34 91,813 25.27 62.66
12 CFG Community Bank Baltimore Md. 4.36 3.05 809,373 25.06 49.54
13 FBT Bank & Mortgage Fordyce Ark. 4.34 0.78 156,784 43.08 44.17
14 Surety Bank Deland Fla. 4.16 1.94 123,317 39.16 46.06
15 First South Bank Spartanburg S.C. 4.14 -2.78 229,369 42.52 77.26
16 Nebraska State Bank Oshkosh Neb. 4.11 4.08 48,557 27.17 38.11
17 FNB South Alma Ga. 4.09 4.13 372,522 26.59 42.21
18 Great Plains National Bank Hollis Okla. 4.08 2.34 699,974 40.33 56.00
19 Apex Bank Camden Tenn. 4.06 3.52 542,222 36.39 42.80
20 Exchange State Bank Adair Iowa 3.92 0.83 34,667 24.96 39.36
21 TransCapital Bank Sunrise Fla. 3.87 2.49 200,610 22.91 37.92
22 Spring Valley Bank Wyoming Ohio 3.86 3.50 70,854 8.86 30.44
23 Jefferson Bank Greenville Miss. 3.83 1.55 130,400 22.58 34.85
24 Corydon State Bank Corydon Iowa 3.63 2.96 119,723 18.22 17.39
25 Bank 7 Oklahoma City Okla. 3.62 4.17 726,807 32.56 35.84
26 Community Bank of Raymore Raymore Mo. 3.61 7.80 246,940 44.77 49.34
27 Pinnacle Bank Orange City Fla. 3.60 -1.03 88,940 55.62 -50.82
28 Citizens Building and Loan, SSB Greer S.C. 3.50 0.59 130,014 16.30 39.18
Swedish-American State Bank Courtland Kan. 3.50 -2.39 43,323 37.43 60.12
30 National Bank of Andrews Andrews Tex. 3.49 3.19 193,611 31.24 49.71
31 BANK Wapello Iowa 3.48 0.23 90,185 28.34 49.75
32 Farmers & Merchants Savings Bank Waukon Iowa 3.38 1.88 160,091 24.89 54.21
New Century Bank Belleville Kan. 3.38 2.37 45,872 30.54 56.56
34 Bank of Montana Missoula Mont. 3.37 1.20 86,965 31.48 47.94
35 WoodTrust Bank Wisconsin Rapids Wis. 3.33 3.02 393,480 32.00 45.43
36 Bank of Soperton Soperton Ga. 3.31 1.84 75,424 36.63 51.26
Peoples State Bank Cherryvale Kan. 3.31 3.39 17,031 11.87 50.83
38 Quantum National Bank Suwanee Ga. 3.30 2.00 470,246 28.73 41.20
39 Lowry State Bank Lowry Minn. 3.29 2.04 48,779 31.85 46.19
40 Charter Bank Corpus Christi Tex. 3.26 2.87 271,853 31.55 47.78
41 First Federal of South Carolina, FSB (MHC) Walterboro S.C. 3.17 0.68 88,279 42.37 94.52
42 Security State Bank Cheyenne Okla. 3.14 2.54 174,863 22.44 36.75
43 Home Bank of California San Diego Calif. 3.10 3.01 166,316 21.59 35.41
44 EvaBank Cullman Ala. 3.07 2.25 378,621 13.62 37.33
45 Bank of Baker Baker Mont. 3.04 1.88 144,169 27.96 35.87
PrinsBank Prinsburg Minn. 3.04 2.78 132,597 19.35 47.31
47 Central State Bank Clayton Ill. 3.03 2.68 130,793 19.40 46.03
48 NOA Bank Duluth Ga. 3.02 3.45 351,964 24.70 44.58
49 Bank of Morton Morton Miss. 3.00 2.68 67,621 20.98 51.73
Hodge Bank & Trust Company Hodge La. 3.00 1.99 69,541 17.31 43.24
51 California First National Bank Irvine Calif. 2.95 1.10 298,670 8.31 52.96
52 NBKC Bank Kansas City Mo. 2.93 3.12 662,316 22.78 78.51
53 Cumberland Security Bank, Inc. Somerset Ky. 2.92 2.57 198,264 22.29 47.59
54 Bank of Glen Ullin Glen Ullin N.D. 2.91 3.06 54,133 22.40 39.30
Security State Bank Farwell Tex. 2.91 1.95 132,098 21.81 30.26
56 State Bank of Wheaton Wheaton Minn. 2.90 2.70 77,439 12.14 36.76
57 Peoples Community Bank Greenville Mo. 2.88 2.97 460,014 17.98 42.86
58 Commercial State Bank Andrews Tex. 2.87 1.87 638,758 25.39 49.61
59 First State Bank Shallowater Tex. 2.85 -0.24 110,522 18.41 44.11
60 Bank of Hydro Hydro Okla. 2.84 2.58 124,732 26.91 41.98
61 Community Bank of Easton Easton Ill. 2.83 2.21 35,152 15.62 14.60
High Plains Bank Keyes Okla. 2.83 2.39 87,017 23.70 39.17
United Bank Atmore Ala. 2.83 0.98 651,521 34.18 42.96
64 Coffee County Bank Manchester Tenn. 2.82 2.64 189,994 24.80 42.52
Commercial Capital Bank Delhi La. 2.82 2.50 164,849 22.65 40.98
66 Florida Business Bank Melbourne Fla. 2.81 0.91 125,078 21.05 56.17
67 Peoples Bank Westville Okla. 2.80 3.36 46,538 22.15 58.12
Texas Bank Financial Weatherford Tex. 2.80 2.33 304,565 26.95 63.28
69 Bank of Alma Alma Wis. 2.79 1.90 223,933 6.16 17.62
70 Waggoner National Bank of Vernon Vernon Tex. 2.78 2.70 285,273 21.57 41.89
71 Douglas National Bank Douglas Ga. 2.77 2.81 177,766 23.22 52.98
First Resource Bank Lino Lakes Minn. 2.77 0.08 200,245 40.59 79.46
73 Citizens State Bank of La Crosse La Crosse Wis. 2.76 2.47 260,376 31.54 49.81
74 Bank of Mauston Mauston Wis. 2.75 2.42 289,010 23.07 41.70
First National Bank of Bangor Bangor Wis. 2.75 2.12 224,772 9.91 24.58
International Bank of Chicago Chicago Ill. 2.75 2.16 601,972 22.39 54.61
Peoples State Bank Summit S.D. 2.75 2.84 75,857 24.86 37.34
78 Crockett National Bank San Antonio Tex. 2.74 2.92 671,027 23.72 73.37
79 Beacon Business Bank, National Association San Francisco Calif. 2.73 0.68 136,919 19.95 59.79
First National Bank of Picayune Picayune Miss. 2.73 2.41 217,831 21.09 47.71
81 Cape Ann Savings Bank Gloucester Mass. 2.72 0.70 603,898 10.07 61.65
82 Tejas Bank Monahans Tex. 2.71 1.04 154,707 25.79 45.08
83 Welcome State Bank Welcome Minn. 2.70 3.39 28,361 24.94 52.20
84 American Interstate Bank Elkhorn Neb. 2.69 2.13 109,272 16.50 41.41
Farmers and Merchants Bank of Kendall Kendall Wis. 2.69 2.13 71,202 17.43 49.86
86 American Bank of Commerce Provo Utah 2.68 1.38 94,060 18.59 59.27
First Eagle Bank Chicago Ill. 2.68 2.50 499,623 17.11 37.97
88 Farmers & Stockmens Bank Clayton N.M. 2.67 2.23 207,216 21.89 63.43
First IC Bank Doraville Ga. 2.67 2.00 445,469 16.97 50.24
FirsTier Bank Kimball Neb. 2.67 1.89 307,707 17.92 47.93
TexasBank Brownwood Tex. 2.67 2.90 483,537 20.44 49.68
Venture Bank Bloomington Minn. 2.67 2.52 733,898 28.02 47.05
93 First Colorado National Bank Paonia Colo. 2.66 5.04 65,234 13.16 74.59
First Federal Savings and Loan Bank Olathe Kan. 2.66 3.31 84,009 23.52 37.11
95 Brazos National Bank Richwood Tex. 2.65 3.68 28,099 9.25 89.76
Wallis State Bank Wallis Tex. 2.65 2.20 681,223 24.85 53.31
97 California Pacific Bank San Francisco Calif. 2.64 1.86 71,299 6.08 43.16
First State Bank of Beecher City Beecher City Ill. 2.64 1.74 70,778 15.31 49.72
First Utah Bank Salt Lake City Utah 2.64 2.72 359,180 22.87 67.89
Prime Bank Edmond Okla. 2.64 2.61 269,350 20.97 43.35
101 Bank of England England Ark. 2.63 2.21 343,910 17.92 91.46
102 NewBank Flushing N.Y. 2.61 2.03 347,739 19.19 45.79
Oklahoma State Bank Buffalo Okla. 2.61 2.30 54,399 25.58 52.65
104 KodaBank Drayton N.D. 2.60 2.52 146,413 21.59 38.80
105 Cedar Security Bank Fordyce Neb. 2.59 0.61 52,557 20.97 44.79
Commerce National Bank & Trust Winter Park Fla. 2.59 1.73 116,751 20.66 65.75
Riverside Bank Sparkman Ark. 2.59 2.48 61,989 30.80 50.55
108 Commercial Bank of Mott Mott N.D. 2.58 2.25 99,912 19.09 38.90
109 Advantage Bank Loveland Colo. 2.57 1.81 312,076 23.68 45.95
Citizens State Bank Miles Tex. 2.57 2.62 128,246 25.02 47.03
Commercial Bank Crawford Ga. 2.57 2.37 165,102 24.29 48.26
First General Bank Rowland Heights Calif. 2.57 1.56 911,374 21.07 24.92
Pioneer Trust Bank, National Association Salem Ore. 2.57 2.14 496,522 21.45 35.29
Wyoming Bank & Trust Cheyenne Wyo. 2.57 2.69 186,265 25.58 79.30
115 1st Bank & Trust Broken Bow Okla. 2.56 2.52 154,512 26.26 45.80
Yellowstone Bank Laurel Mont. 2.56 2.94 723,148 14.20 42.81
117 Utah Independent Bank Salina Utah 2.55 1.78 82,016 17.75 50.22
118 Bank of Advance Advance Mo. 2.54 2.50 317,138 18.70 48.12
First Financial Bank El Dorado Ark. 2.54 3.01 999,602 18.69 61.63
Security State Bank Sutherland Iowa 2.54 2.78 131,511 24.81 32.91
121 Bloomsdale Bank Bloomsdale Mo. 2.53 2.61 222,038 29.79 43.77
122 Glenwood State Bank Glenwood Minn. 2.52 3.18 280,068 25.92 49.89
NewFirst National Bank El Campo Tex. 2.52 2.54 685,942 22.44 50.47
State Bank of New Richland New Richland Minn. 2.52 2.78 102,518 25.87 44.57
Vermillion State Bank Vermillion Minn. 2.52 2.67 540,974 16.85 28.21
126 Brunswick State Bank Brunswick Neb. 2.51 2.14 125,909 27.37 40.48
First National Bank of Nokomis Nokomis Ill. 2.51 1.26 150,532 23.44 50.95
North Valley Bank Thornton Colo. 2.51 2.73 176,283 22.16 51.10
Rocky Mountain Bank & Trust Florence Colo. 2.51 0.86 64,698 28.22 62.63
Security Bank of Southwest Missouri Cassville Mo. 2.51 2.22 82,632 21.68 49.49
131 Bank of Hemet Riverside Calif. 2.50 2.30 719,053 24.20 40.89
Bank of St. Elizabeth Saint Elizabeth Mo. 2.50 2.39 132,321 19.57 55.43
133 McKenzie Banking Company McKenzie Tenn. 2.49 1.11 130,429 18.06 57.11
Points West Community Bank Windsor Colo. 2.49 1.93 247,378 24.53 45.58
135 Buckholts State Bank Buckholts Tex. 2.48 2.14 73,894 14.84 44.30
136 Citizens Community Bank Hahira Ga. 2.47 1.23 134,762 22.07 61.15
First National Bank Fort Pierre S.D. 2.47 2.07 968,192 10.09 36.57
138 First Colony Bank of Florida Maitland Fla. 2.46 1.88 207,638 24.64 44.06
139 Coleman County State Bank Coleman Tex. 2.45 0.18 110,660 24.67 57.27
Horizon Bank Waverly Neb. 2.45 2.21 275,697 15.92 40.57
Randall State Bank Randall Minn. 2.45 2.07 46,105 21.64 53.19
142 First Central Bank McCook McCook Neb. 2.44 1.57 115,093 23.79 43.28
143 First State Bank of Grove City Grove City Minn. 2.42 1.70 25,017 10.81 67.18
Lake Central Bank Annandale Minn. 2.42 1.12 148,856 20.91 51.29
Yampa Valley Bank Steamboat Springs Colo. 2.42 2.51 304,986 27.55 50.84
146 Ultima Bank Minnesota Winger Minn. 2.41 2.05 179,412 23.52 52.56
147 Bank of Texas Midland Tex. 2.40 1.95 371,579 21.42 31.68
Farmers Bank Ault Colo. 2.40 2.07 228,912 17.21 44.87
First Bank Burkburnett Tex. 2.40 2.40 384,531 20.46 69.27
Grant County State Bank Swayzee Ind. 2.40 2.33 179,077 22.78 31.30
HNB National Bank Hannibal Mo. 2.40 2.37 462,592 19.43 52.08
MINT National Bank Kingwood Tex. 2.40 2.23 184,582 18.55 51.25
Mississippi River Bank Belle Chasse La. 2.40 1.93 115,053 20.15 52.06
Payne County Bank Perkins Okla. 2.40 2.28 164,460 13.11 47.80
State Bank of Cochran Cochran Ga. 2.40 2.08 214,401 15.54 51.52
Union Bank & Trust Company Livingston Tenn. 2.40 2.03 83,809 19.45 48.38
157 First Whitney Bank and Trust Atlantic Iowa 2.39 2.01 212,000 23.87 30.06
Municipal Trust and Savings Bank Bourbonnais Ill. 2.39 2.15 295,944 13.48 34.26
159 Goodfield State Bank Goodfield Ill. 2.38 2.09 115,587 19.55 52.69
160 First Enterprise Bank Oklahoma City Okla. 2.37 2.06 163,429 19.60 59.88
First National Bank of Central Texas Waco Tex. 2.37 2.05 855,755 25.95 44.53
First National Bank of Fleming Fleming Colo. 2.37 -3.19 24,099 19.48 60.47
First National Bank of Las Animas Las Animas Colo. 2.37 2.35 349,259 20.46 47.89
164 Commercial State Bank of Wagner Wagner S.D. 2.36 2.34 178,307 24.54 40.74
Georgia Heritage Bank Dallas Ga. 2.36 2.27 94,348 18.79 52.44
Security Bank Midland Tex. 2.36 2.17 835,198 17.84 61.35
167 Peoples Bank Mendenhall Miss. 2.35 1.99 287,020 24.65 65.66
Trust Bank Lenox Ga. 2.35 1.30 35,547 20.55 71.95
169 Bellevue State Bank Bellevue Iowa 2.34 2.43 110,100 16.03 43.88
Community Bank Longview Tex. 2.34 2.17 218,709 22.76 42.42
Heritage Bank of Nevada Reno Nev. 2.34 1.78 814,002 20.69 36.32
172 Park Ridge Community Bank Park Ridge Ill. 2.33 2.10 326,536 18.59 39.69
Woodford State Bank Monroe Wis. 2.33 1.52 223,853 26.67 44.41
174 Bank of Geneva Geneva Ind. 2.32 2.26 286,653 21.59 48.21
Taylor County Bank Campbellsville Ky. 2.32 2.32 185,929 17.56 53.34
176 Farmers Trust & Savings Bank Williamsburg Iowa 2.31 2.15 134,591 9.70 43.91
Midwest Bank Detroit Lakes Minn. 2.31 2.18 445,883 25.55 43.49
South Georgia Bank Glennville Ga. 2.31 2.23 159,710 20.94 55.30
179 Brighton Bank Salt Lake City Utah 2.30 1.97 213,255 20.21 54.30
Campbell County Bank, Inc. Herreid S.D. 2.30 2.15 100,823 13.09 46.55
Farmers Bank and Trust Company Blytheville Ark. 2.30 1.63 252,841 22.99 54.20
182 First State Bank Scottsbluff Neb. 2.29 2.34 220,451 20.55 52.10
Verus Bank of Commerce Fort Collins Colo. 2.29 2.01 255,764 16.62 35.56
184 Bank of the West Thomas Okla. 2.28 2.43 155,825 19.46 52.67
Heartland State Bank Redfield S.D. 2.28 1.79 82,026 18.08 57.19
Sound Banking Company Lakewood Wash. 2.28 2.53 64,153 25.06 53.40
Town and Country Bank Midwest Quincy Ill. 2.28 2.13 172,410 20.49 51.07
188 United Farmers State Bank Adams Minn. 2.27 2.24 155,379 19.73 44.32
189 Citizens Bank of Las Cruces Las Cruces N.M. 2.26 2.18 544,617 22.98 55.78
First Bank Erick Okla. 2.26 2.03 76,308 20.40 54.27
First Secure Bank and Trust Co. Palos Hills Ill. 2.26 0.44 126,126 24.15 48.79
First State Bank of Golva Golva N.D. 2.26 1.75 79,372 23.66 23.00
Regional Missouri Bank Marceline Mo. 2.26 1.86 231,106 22.97 46.27
Town-Country National Bank Camden Ala. 2.26 2.02 107,620 13.28 52.86
Wood & Huston Bank Marshall Mo. 2.26 1.97 701,946 19.61 51.90
196 Community State Bank Lamar Colo. 2.25 1.36 112,858 17.73 49.93
First Westroads Bank, Inc. Omaha Neb. 2.25 1.86 252,265 18.39 57.56
Grant County State Bank Carson N.D. 2.25 2.13 34,100 18.95 51.69
NSB Bank Mason City Iowa 2.25 2.09 200,706 21.74 43.11
200 Citizens National Bank of Texas Waxahachie Tex. 2.24 2.27 998,921 23.65 59.99

Note: Independent banks and thrifts operating as of Aug. 24, 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.
© 2018 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)

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