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Community banking

Community Banks with the Highest Returns on Average Assets

September 03, 2019, 9:55 a.m. EDT 1 Min Read

Year to date through Jun. 30, 2019. Dollars in thousands.

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Community Banks with the Highest Returns on Average Assets
Rank Company City State Type of charter

Return on average assets

Total assets

 Return on average equity  Efficiency ratio
2Q 2019 2Q 2018
1 Laurel Road Bank 1 Darien Conn. Commercial Bank 99.75 -2.64 $393,925 934.45 87.59
2 FinWise Bank Murray Utah Commercial Bank 7.72 4.39 135,898 43.76 41.48
3 First American Bank Fort Dodge Iowa Commercial Bank 7.65 0.71 855,758 65.77 27.45
4 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 6.53 1.03 169,765 78.73 85.06
5 Central Bank of Kansas City Kansas City Mo. Commercial Bank 6.51 5.20 203,053 39.42 49.78
6 State Bank of Texas Dallas Tex. Commercial Bank 6.37 5.26 887,249 39.10 19.04
7 First Credit Bank Los Angeles Calif. Commercial Bank 6.05 5.43 455,664 13.80 5.54
8 Haverford Trust Company Radnor Pa. Commercial Bank 5.89 5.92 133,446 29.44 83.34
9 Willamette Valley Bank Salem Ore. Commercial Bank 5.26 4.62 257,072 44.20 67.87
10 Crown Bank Elizabeth N.J. Commercial Bank 4.85 2.22 515,528 25.98 40.28
11 Millennium Bank Des Plaines Ill. Commercial Bank 4.69 1.96 141,518 39.92 46.34
12 Apex Bank Camden Tenn. Commercial Bank 4.67 4.06 583,399 34.44 35.42
13 Spring Valley Bank Wyoming Ohio Commercial Bank 4.53 3.86 78,856 11.09 18.07
14 Independence Bank East Greenwich R.I. Commercial Bank 4.25 13.46 66,269 15.49 28.67
Nebraska State Bank Oshkosh Neb. Commercial Bank 4.25 4.11 50,094 26.16 37.68
16 NBKC Bank Kansas City Mo. Commercial Bank 3.89 2.93 800,768 31.68 77.34
17 National Bank of Andrews Andrews Tex. Commercial Bank 3.88 3.49 218,938 35.96 50.16
18 ValueBank Texas Corpus Christi Tex. Commercial Bank 3.87 1.06 249,730 36.50 47.01
19 Bank of Alma Alma Wis. Commercial Bank 3.78 2.79 233,844 8.04 13.00
20 First State Bank Elmore City Okla. Commercial Bank 3.65 0.36 14,204 30.56 88.37
21 Magnolia Bank Magnolia Ky. Commercial Bank 3.64 1.11 279,700 36.67 83.06
22 Charter Bank Corpus Christi Tex. Commercial Bank 3.61 3.26 288,190 33.23 47.07
23 FBT Bank & Mortgage Fordyce Ark. Commercial Bank 3.54 4.34 166,520 31.45 45.96
24 EvaBank Cullman Ala. Commercial Bank 3.42 3.07 378,216 12.89 37.92
WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 3.42 3.33 395,939 29.00 42.48
26 First National Bank of Williamson Williamson W.Va. Commercial Bank 3.41 0.72 86,262 32.89 53.74
27 Mississippi River Bank Belle Chasse La. Commercial Bank 3.38 2.40 112,641 24.97 49.90
28 PromiseOne Bank Duluth Ga. Commercial Bank 3.36 3.02 419,858 25.34 48.16
29 California Pacific Bank San Francisco Calif. Commercial Bank 3.35 2.64 75,282 7.94 36.03
30 Corydon State Bank Corydon Iowa Commercial Bank 3.25 3.63 102,941 15.42 19.92
31 Peoples Community Bank Greenville Mo. Commercial Bank 3.24 2.88 490,804 19.00 36.39
32 American Interstate Bank Elkhorn Neb. Commercial Bank 3.23 2.69 104,381 17.06 33.59
Commercial Bank Crawford Ga. Commercial Bank 3.23 2.57 186,719 28.70 45.68
34 Quantum National Bank Suwanee Ga. Commercial Bank 3.22 3.30 510,246 28.60 41.46
35 Allied First Bank,sb Oswego Ill. Savings Bank 3.16 -1.18 92,041 27.51 93.64
36 Rock Canyon Bank Provo Utah Commercial Bank 3.13 2.12 449,863 28.78 52.37
37 Community Bank of Easton Easton Ill. Commercial Bank 3.11 2.83 35,415 15.21 14.03
38 North Valley Bank Thornton Colo. Commercial Bank 3.06 2.51 178,459 25.78 47.47
39 FNB South Alma Ga. Commercial Bank 3.04 4.09 391,720 18.93 44.67
40 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 3.03 2.92 215,735 22.27 46.34
Wallis Bank Wallis Tex. Commercial Bank 3.03 2.65 752,993 25.18 51.88
42 Coleman County State Bank Coleman Tex. Commercial Bank 3.02 2.45 118,658 30.46 55.34
Hodge Bank & Trust Company Hodge La. Commercial Bank 3.02 3.00 71,417 16.28 43.28
44 Douglas National Bank Douglas Ga. Commercial Bank 2.99 2.77 189,504 25.14 49.80
45 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 2.98 2.66 94,325 25.16 28.17
46 Ciera Bank Graham Tex. Commercial Bank 2.97 1.89 595,688 23.72 57.02
47 1st Bank & Trust Broken Bow Okla. Commercial Bank 2.96 2.56 159,300 27.02 42.83
Bank of England England Ark. Commercial Bank 2.96 2.63 398,912 21.93 90.48
NewFirst National Bank El Campo Tex. Commercial Bank 2.96 2.52 721,289 24.80 50.23
50 State Bank of Wheaton Wheaton Minn. Commercial Bank 2.95 2.90 79,462 11.96 38.34
51 Continental Bank Salt Lake City Utah Commercial Bank 2.93 1.41 160,236 17.22 53.57
Utah Independent Bank Salina Utah Commercial Bank 2.93 2.55 83,806 18.88 50.44
53 Bank of Texas Midland Tex. Commercial Bank 2.92 2.40 372,380 22.43 30.75
First Bank Erick Okla. Commercial Bank 2.92 2.26 74,185 23.97 48.45
55 Welcome State Bank Welcome Minn. Commercial Bank 2.90 2.70 30,215 25.48 48.60
56 First National Bank of Picayune Picayune Miss. Commercial Bank 2.88 2.73 204,257 19.42 47.72
57 California First National Bank Irvine Calif. Commercial Bank 2.87 2.95 165,496 7.55 46.61
Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.87 2.78 287,715 21.15 42.90
59 Community Bank of Raymore Raymore Mo. Commercial Bank 2.85 3.61 257,575 33.16 48.70
60 Adrian Bank Adrian Mo. Commercial Bank 2.83 1.41 142,057 24.67 40.13
61 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.82 2.69 72,942 18.02 46.96
62 Bank of Hemet Riverside Calif. Commercial Bank 2.81 2.50 744,526 25.97 39.31
Goose River Bank Mayville N.D. Commercial Bank 2.81 1.25 116,480 26.35 52.62
Yellowstone Bank Laurel Mont. Commercial Bank 2.81 2.56 756,036 14.83 40.45
65 Prime Bank Edmond Okla. Commercial Bank 2.79 2.64 278,971 22.04 37.39
66 BOC Bank Amarillo Tex. Commercial Bank 2.78 1.79 53,261 16.41 66.12
Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 2.78 2.76 298,124 31.69 48.64
68 TransCapital Bank Sunrise Fla. Commercial Bank 2.77 3.87 203,957 15.30 40.03
69 Central State Bank Clayton Ill. Commercial Bank 2.76 3.03 142,165 17.59 46.63
Solon State Bank Solon Iowa Commercial Bank 2.76 1.67 104,806 11.46 43.31
71 Austin Capital Bank SSB Austin Tex. Savings Bank 2.74 0.42 128,255 23.57 83.58
Commercial Bank of Mott Mott N.D. Commercial Bank 2.74 2.58 111,023 19.76 37.68
73 Bank of Mauston Mauston Wis. Commercial Bank 2.73 2.75 291,659 20.97 40.78
Tilden Bank Tilden Neb. Commercial Bank 2.73 0.99 84,205 24.47 69.47
75 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.72 2.14 40,690 26.15 45.80
Home Bank of California San Diego Calif. Commercial Bank 2.72 3.10 179,229 19.68 40.31
77 Farmers Bank Ault Colo. Commercial Bank 2.71 2.40 240,910 19.28 45.34
First National Bank of Eldorado Eldorado Tex. Commercial Bank 2.71 2.74 59,663 16.03 53.11
79 Crockett National Bank San Antonio Tex. Commercial Bank 2.70 2.74 671,918 21.98 70.96
80 Bank of Hydro Hydro Okla. Commercial Bank 2.69 2.84 123,037 23.67 47.58
Vermillion State Bank Vermillion Minn. Commercial Bank 2.69 2.52 561,303 16.98 26.08
82 Bank7 Oklahoma City Okla. Commercial Bank 2.67 3.62 797,419 22.03 36.11
83 Brighton Bank Salt Lake City Utah Commercial Bank 2.64 2.30 205,647 20.53 51.49
CoreFirst Bank & Trust Topeka Kan. Commercial Bank 2.64 0.93 946,283 27.96 54.06
HNB National Bank Hannibal Mo. Commercial Bank 2.64 2.40 480,009 19.05 50.65
Oklahoma State Bank Buffalo Okla. Commercial Bank 2.64 2.61 54,120 25.23 53.06
Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 2.64 2.57 192,665 21.99 81.73
88 Lake Central Bank Annandale Minn. Commercial Bank 2.61 2.42 155,064 19.30 51.05
89 KodaBank Drayton N.D. Commercial Bank 2.60 2.60 147,996 20.02 41.53
90 First National Bank of Las Animas Las Animas Colo. Commercial Bank 2.59 2.37 377,144 21.06 46.36
PBK Bank, Inc. Stanford Ky. Commercial Bank 2.59 1.84 118,688 19.20 52.39
Security State Bank Farwell Tex. Commercial Bank 2.59 2.91 142,476 18.97 33.99
93 Bendena State Bank Bendena Kan. Commercial Bank 2.58 1.40 65,926 26.21 52.08
First National Bank of Central Texas Waco Tex. Commercial Bank 2.58 2.37 829,091 26.17 42.53
Grant County State Bank Swayzee Ind. Commercial Bank 2.58 2.40 189,398 22.46 30.15
Senath State Bank Senath Mo. Commercial Bank 2.58 2.10 78,874 17.41 45.36
97 Bank of Montana Missoula Mont. Commercial Bank 2.57 3.37 84,595 19.92 52.86
Commercial Capital Bank Delhi La. Commercial Bank 2.57 1.32 163,623 19.44 51.09
PrinsBank Prinsburg Minn. Commercial Bank 2.57 3.04 134,002 15.51 55.70
100 Crowell State Bank Crowell Tex. Commercial Bank 2.55 2.22 39,483 23.74 54.00
First Eagle Bank Chicago Ill. Commercial Bank 2.55 2.68 507,575 14.71 38.85
102 Bank of Advance Advance Mo. Commercial Bank 2.54 2.54 327,119 18.69 49.21
Community Bank Longview Tex. Commercial Bank 2.54 2.34 222,362 22.87 41.78
104 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.52 2.57 507,624 19.66 38.21
105 Wauchula State Bank Wauchula Fla. Commercial Bank 2.51 2.20 699,612 21.06 46.66
106 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.50 2.20 267,073 29.25 57.01
Sound Banking Company Lakewood Wash. Commercial Bank 2.50 2.28 53,396 25.16 51.47
108 Marathon Bank Wausau Wis. Commercial Bank 2.49 0.62 152,597 19.49 94.00
109 Bank of the West Thomas Okla. Commercial Bank 2.48 2.28 152,664 19.14 52.14
First National Bank of Anson Anson Tex. Commercial Bank 2.48 1.90 61,779 27.03 55.40
First State Bank Scottsbluff Neb. Commercial Bank 2.48 2.29 290,658 26.95 58.84
Grant County State Bank Carson N.D. Commercial Bank 2.48 2.25 33,182 19.08 51.38
113 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 2.47 2.91 61,683 21.10 40.98
Dolores State Bank Dolores Colo. Commercial Bank 2.47 1.57 264,078 17.08 49.83
Payne County Bank Perkins Okla. Commercial Bank 2.47 2.40 171,229 12.98 47.97
TexasBank Brownwood Tex. Commercial Bank 2.47 2.67 499,334 18.51 53.34
117 CNB Bank Carlsbad N.M. Commercial Bank 2.46 1.68 409,927 29.66 45.78
First National Bank of Bangor Bangor Wis. Commercial Bank 2.46 2.75 211,930 7.85 26.08
119 Charter West Bank West Point Neb. Commercial Bank 2.45 0.99 285,688 26.42 67.83
Tolleson Private Bank Dallas Tex. Commercial Bank 2.45 1.95 570,976 27.39 45.57
121 Brazos National Bank Richwood Tex. Commercial Bank 2.44 2.65 29,252 8.40 90.51
Farmers State Bank Lincolnton Ga. Commercial Bank 2.44 1.82 124,707 14.18 57.53
St. Henry Bank Saint Henry Ohio Commercial Bank 2.44 2.22 293,320 15.88 39.09
124 Coffee County Bank Manchester Tenn. Commercial Bank 2.43 2.82 195,614 20.84 46.90
Grundy Bank Morris Ill. Commercial Bank 2.43 2.16 295,557 20.94 51.08
Horizon Bank Waverly Neb. Commercial Bank 2.43 2.45 331,093 17.98 32.90
Ramsey National Bank Devils Lake N.D. Commercial Bank 2.43 1.83 268,058 18.27 55.08
128 Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.42 2.33 319,136 17.07 39.23
129 Midwest Bank Detroit Lakes Minn. Commercial Bank 2.41 2.31 506,389 25.18 43.61
130 Amerasia Bank Flushing N.Y. Commercial Bank 2.40 2.18 648,325 19.94 33.09
Riverside Bank Sparkman Ark. Commercial Bank 2.40 2.59 61,207 28.16 53.41
132 First State Bank Shallowater Tex. Commercial Bank 2.39 2.85 99,833 13.02 53.95
Grand Timber Bank McGregor Minn. Commercial Bank 2.39 1.21 43,621 16.46 60.13
134 Farmers and Merchants State Bank Langdon N.D. Commercial Bank 2.38 1.73 106,735 16.70 37.51
St. Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 2.38 2.18 93,245 21.65 37.65
136 Butte State Bank Butte Neb. Commercial Bank 2.37 0.87 41,647 18.26 55.95
137 Bank of Cordell Cordell Okla. Commercial Bank 2.36 1.60 39,209 22.17 57.09
Interstate Bank, SSB Perryton Tex. Savings Bank 2.36 1.83 189,792 22.73 49.56
Town and Country Bank Midwest Quincy Ill. Commercial Bank 2.36 2.28 186,839 21.41 49.79
140 North American Banking Company Roseville Minn. Commercial Bank 2.35 2.06 537,544 24.89 49.88
Partners Bank Spencer Wis. Commercial Bank 2.35 0.99 213,588 16.16 62.75
South Georgia Bank Glennville Ga. Commercial Bank 2.35 2.31 161,867 19.07 54.48
143 Dakota Western Bank Bowman N.D. Commercial Bank 2.34 2.19 277,097 20.44 45.72
State Bank of Cochran Cochran Ga. Commercial Bank 2.34 2.40 209,452 14.71 53.08
145 American National Bank-Fox Cities Appleton Wis. Commercial Bank 2.33 1.97 302,510 16.70 44.48
Buckholts State Bank Buckholts Tex. Commercial Bank 2.33 2.48 74,974 13.25 46.60
Pony Express Bank Liberty Mo. Commercial Bank 2.33 2.25 173,556 18.95 51.74
Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 2.33 2.07 141,130 22.04 54.18
State Bank of Chilton Chilton Wis. Commercial Bank 2.33 1.61 287,076 19.56 43.51
150 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 2.32 2.41 373,553 23.72 58.73
McKenzie Banking Company McKenzie Tenn. Commercial Bank 2.32 2.49 131,142 16.18 62.68
State Bank of New Richland New Richland Minn. Commercial Bank 2.32 2.52 114,007 24.86 38.91
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.32 2.42 312,887 24.14 52.03
154 Bank of Old Monroe Old Monroe Mo. Commercial Bank 2.31 1.81 372,998 15.03 47.83
Bank of Ontario Ontario Wis. Commercial Bank 2.31 1.78 51,558 19.91 49.00
Security State Bank Sutherland Iowa Commercial Bank 2.31 2.54 144,212 22.68 36.23
157 Bank Northwest Hamilton Mo. Commercial Bank 2.30 2.10 167,379 25.60 47.61
Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 2.30 1.83 84,821 27.73 51.52
First Bank Burkburnett Tex. Commercial Bank 2.30 2.40 442,725 20.23 68.31
Robertson Banking Company Demopolis Ala. Commercial Bank 2.30 1.75 324,549 22.03 49.43
Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 2.30 2.11 539,831 27.40 50.00
162 Citizens Bank of Edina Edina Mo. Commercial Bank 2.29 1.98 71,092 18.77 36.86
Home State Bank Royal Iowa Commercial Bank 2.29 -6.12 46,627 8.15 36.48
Prime Alliance Bank Woods Cross Utah Commercial Bank 2.29 2.12 455,117 21.70 29.53
Western State Bank Garden City Kan. Commercial Bank 2.29 2.03 454,445 17.95 46.93
166 Bank of Okolona Okolona Miss. Commercial Bank 2.28 1.98 198,424 23.28 54.35
Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.28 2.26 576,923 21.18 55.90
Dakota Heritage Bank of North Dakota Hunter N.D. Commercial Bank 2.28 2.12 202,806 19.02 47.63
Farmers & Stockmens Bank Clayton N.M. Commercial Bank 2.28 2.67 206,552 17.34 69.00
Security First National Bank of Hugo Hugo Okla. Commercial Bank 2.28 2.05 113,027 24.51 51.68
Union Bank & Trust Company Livingston Tenn. Commercial Bank 2.28 2.40 81,105 16.94 47.79
172 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.27 2.19 85,333 21.72 54.90
Englewood Bank & Trust Englewood Fla. Commercial Bank 2.27 2.12 309,684 24.68 52.76
First Whitney Bank and Trust Atlantic Iowa Commercial Bank 2.27 2.39 214,807 21.38 32.06
Gruver State Bank Gruver Tex. Commercial Bank 2.27 1.74 72,051 19.33 49.13
Peoples Bank Mendenhall Miss. Commercial Bank 2.27 2.35 315,374 23.17 65.36
Verus Bank of Commerce Fort Collins Colo. Commercial Bank 2.27 2.29 268,424 17.28 33.45
178 Bank, The Oberlin Kan. Commercial Bank 2.26 1.58 332,717 17.02 40.08
Community Bank of Oklahoma Verden Okla. Commercial Bank 2.26 1.54 43,665 17.00 58.06
Farmers Trust & Savings Bank Williamsburg Iowa Commercial Bank 2.26 2.31 137,826 8.82 43.12
Heartland Bank Somers Iowa Commercial Bank 2.26 1.95 153,106 16.71 50.70
Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.26 2.39 309,130 13.61 34.40
Prairie Sun Bank Milan Minn. Commercial Bank 2.26 1.04 48,988 25.28 62.56
Security State Bank Cheyenne Okla. Commercial Bank 2.26 3.14 169,969 15.27 46.46
185 Beacon Business Bank, National Association San Francisco Calif. Commercial Bank 2.25 2.55 137,478 17.19 68.20
Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.25 2.53 231,452 23.79 46.03
Citizens State Bank Marysville Kan. Commercial Bank 2.25 2.21 350,799 22.31 36.86
First General Bank Rowland Heights Calif. Commercial Bank 2.25 2.57 961,244 16.34 29.07
First State Bank Louise Tex. Commercial Bank 2.25 2.19 481,832 24.09 56.69
190 Bank of Dawson Dawson Ga. Commercial Bank 2.24 1.92 118,466 11.91 51.79
Goodfield State Bank Goodfield Ill. Commercial Bank 2.24 2.38 124,758 17.30 50.98
Peoples Bank Westville Okla. Commercial Bank 2.24 2.80 48,170 19.42 64.42
Peoples State Bank of Wells Wells Minn. Commercial Bank 2.24 -1.32 53,444 17.98 81.82
194 Freedom Bank Saint Petersburg Fla. Commercial Bank 2.23 0.98 344,230 25.46 54.05
Paradise Bank Boca Raton Fla. Commercial Bank 2.23 2.12 326,055 19.89 60.09
196 Bank of St. Elizabeth Saint Elizabeth Mo. Commercial Bank 2.22 2.50 151,803 18.71 56.07
Campbell County Bank, Inc. Herreid S.D. Commercial Bank 2.22 2.30 107,387 12.08 48.69
First Bank & Trust Company Perry Okla. Commercial Bank 2.22 1.95 148,733 16.91 54.18
First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 2.22 2.07 381,070 28.38 49.18
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 2.22 2.51 80,762 17.29 59.55

Note: Independent banks and thrifts operating as of August 29, 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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