Community Banks with the Highest Returns on Average Assets

December 01, 2011, 5:11 p.m. EST 1 Min Read

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Community Banks with the Highest Returns on Average AssetsOn June 30, 2011. Dollars in thousands Published December 1, 2011
Rank		Type of institution	Return on average assets		Total assets	Return on average equity	Efficiency ratio
Rank		Type of institution	2Q 2011	2Q 2010	Total assets	Return on average equity	Efficiency ratio
1	First Credit Bank Los Angeles	commercial	13.92%	2.79%	$488,278	52.88%	15.81%
2	Continental Bank Salt Lake City	commercial	9.12	14.42	108,304	45.88	27.86
3	Bank of Montgomery La.	commercial	8.48	3.32	178,958	97.94	29.14
4	United Kentucky Bank of Pendleton County Falmouth	commercial	7.40	0.14	27,823	95.98	29.92
5	Presidio Bank San Francisco	commercial	6.43	0.53	302,634	45.49	81.87
6	Bank of Minden Mindenmines, Mo.	commercial	6.15	0.61	30,495	48.36	88.11
7	Live Oak Banking Co. Wilmington, N.C.	commercial	5.32	4.64	231,908	49.96	58.75
8	City Bank and Trust Co. Lincoln, Neb.	commercial	4.54	0.04	202,132	39.76	63.11
9	Bank 7 Oklahoma City	commercial	4.47	2.17	184,921	40.94	34.70
10	Virginia Partners Bank Fredericksburg	commercial	4.40	-0.19	157,570	38.32	78.53
11	First National Bank of Crestview Fla.	commercial	4.38	-10.53	112,847	63.46	36.87
12	Peoples State Bank Cherryvale, Kan.	commercial	4.29	4.33	15,009	15.06	45.94
13	Hometown Bank Webster, Mass.	cooperative	4.15	0.90	308,076	40.74	38.22
14	Jefferson Bank Fayette, Miss.	commercial	3.94	14.25	92,514	24.00	9.31
15	CheckSpring Bank Bronx, N.Y.	commercial	3.92	-6.17	56,490	30.16	65.15
16	Westside State Bank Iowa	commercial	3.83	1.65	68,950	44.68	59.40
17	Peoples Community Bank Greenville, Mo.	commercial	3.74	3.41	125,772	24.88	41.08
18	Palm Desert National Bank Calif.	commercial	3.70	-2.99	144,119	101.32	74.90
19	Crown Bank Brick, N.J.	commercial	3.49	2.55	534,247	26.32	37.76
20	Providence Bank of Texas Southlake	savings	3.48	0.69	100,743	38.61	56.08
21	1st Capital Bank Monterey, Calif.	commercial	3.47	0.41	229,203	26.19	69.88
22	SouthernTrust Bank Goreville, Ill.	commercial	3.44	-0.11	53,061	39.27	79.28
23	Embassy National Bank Lawrenceville, Ga.	commercial	3.40	0.25	56,369	24.82	66.69
24	Crestmark Bank Troy, Mich.	commercial	3.39	2.59	307,375	28.85	60.15
25	Bank of Vici Okla.	commercial	3.37	1.48	41,195	44.90	71.10
26	Bank of Buffalo Ky.	commercial	3.34	2.51	69,206	36.72	29.59
27	Bank of Montana Missoula	commercial	3.33	0.62	25,308	22.91	57.95
28	Bank of Morton Miss.	commercial	3.31	2.32	57,869	30.17	54.95
	Corydon State Bank Iowa	commercial	3.31	3.18	74,605	22.60	17.84
30	First National Bank of Las Animas Colo.	commercial	3.30	1.28	244,245	29.66	62.48
31	Kennett National Bank Mo.	commercial	3.16	0.81	102,089	29.13	63.98
32	Commercial Capital Bank Delhi, La.	commercial	3.15	2.91	43,790	27.18	50.44
33	Central State Bank Clayton, Ill.	commercial	3.11	2.86	91,728	22.10	47.25
	Texas Bank Brownwood	commercial	3.11	2.59	287,222	24.94	45.95
35	Goodfield State Bank Ill.	commercial	3.07	3.32	67,996	26.01	44.23
36	Peoples Community State Bank Doniphan, Mo.	commercial	3.06	2.72	129,515	21.28	42.31
	White Rock Bank Cannon Falls, Minn.	commercial	3.06	0.61	126,780	31.05	54.07
38	Riverside Bank Sparkman, Ark.	commercial	3.01	3.83	59,229	39.01	44.12
39	Murphy Bank Fresno, Calif.	commercial	2.98	2.18	110,882	18.74	47.18
40	Ruby Valley National Bank Twin Bridges, Mont.	commercial	2.97	3.10	76,798	21.58	43.87
41	Stonegate Bank Fort Lauderdale, Fla.	commercial	2.96	0.59	839,384	21.24	31.37
42	Vermont State Bank Ill.	commercial	2.95	2.32	14,610	30.62	60.73
43	Colorado Valley Bank SSB La Grange, Texas	savings	2.93	-2.35	28,224	43.09	69.76
44	First American Bank Stonewall, Okla.	commercial	2.89	2.53	23,444	26.83	55.04
	Senath State Bank Mo.	commercial	2.89	2.36	59,172	20.05	46.37
46	First State Bank of Colfax Iowa	commercial	2.88	2.63	67,143	22.17	24.88
47	Heritage State Bank Lawrenceville, Ill.	commercial	2.85	2.66	74,084	31.36	48.15
48	Farmers and Merchants Bank of Kendall Wis.	commercial	2.82	3.00	55,443	23.27	41.17
49	Solon State Bank Iowa	commercial	2.81	2.89	81,727	14.35	38.05
	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	2.81	2.31	335,084	24.12	51.67
51	Bank of Rantoul Ill.	commercial	2.80	2.62	209,454	32.17	33.54
52	First State Bank of Porter Okla.	commercial	2.77	2.14	35,200	19.05	60.06
53	First National Bank George West, Texas	commercial	2.76	1.78	212,255	25.78	48.22
	Payne County Bank Perkins, Okla.	commercial	2.76	2.58	122,214	15.74	50.17
55	Security Bank and Trust Co. Paris, Tenn.	commercial	2.75	2.29	164,437	28.62	39.48
56	Bank of the West El Paso, Texas	commercial	2.74	2.22	925,005	32.27	46.29
	Clinton State Bank Minn.	commercial	2.74	3.11	65,567	21.34	30.00
58	Bank of Hemet Riverside, Calif.	commercial	2.73	1.89	452,224	23.80	44.28
	First National Bank South Alma, Ga.	commercial	2.73	1.19	318,972	24.92	45.85
60	Cache Valley Bank Logan, Utah	commercial	2.72	1.11	295,509	21.61	39.58
61	Charter Bank Corpus Christi, Texas	commercial	2.70	2.77	187,717	33.47	52.04
	First State Bank of Bedias Texas	commercial	2.70	3.49	138,930	26.34	40.44
	NOA Bank Duluth, Ga.	commercial	2.70	0.40	104,258	18.02	52.70
64	Bank of DeSoto Texas	commercial	2.69	2.17	163,419	26.14	54.15
65	Bank of Hydro Okla.	commercial	2.68	1.67	115,249	32.50	37.89
	Citizens State Bank Okemah, Okla.	commercial	2.68	2.47	139,687	28.10	34.14
67	Bank of Utah Ogden	commercial	2.67	1.69	716,833	23.32	69.17
	State Bank of Burnettsville Ind.	commercial	2.67	0.59	37,183	24.21	62.66
69	Farmers and Merchants State Bank of Pierz Minn.	commercial	2.66	2.60	164,770	25.62	47.70
70	Bank of Advance Mo.	commercial	2.64	2.57	246,121	17.05	46.54
	Garden City State Bank Kan.	commercial	2.64	1.83	63,586	21.17	50.00
72	Alva State Bank and Trust Co. Okla.	commercial	2.63	3.04	196,431	15.06	44.47
	WoodTrust Bank Wisconsin Rapids, Wis.	commercial	2.63	2.38	313,988	23.84	54.07
74	Premier Bank Rock Valley, Iowa	commercial	2.61	2.69	223,390	24.78	34.34
75	Commerce National Bank Corinth, Miss.	commercial	2.60	2.24	85,762	19.97	45.15
	Security First Bank Cheyenne, Wyo.	commercial	2.60	0.36	61,783	24.43	56.12
77	First Financial Bank El Dorado, Ark.	commercial	2.58	2.44	762,893	28.83	56.20
	Sargent County Bank Forman, N.D.	commercial	2.58	2.39	93,137	20.01	27.22
79	State Bank of New Richland Minn.	commercial	2.56	2.42	89,832	28.75	39.13
80	Farmers and Merchants State Bank Plankinton, S.D.	commercial	2.54	2.70	77,002	26.61	42.07
	Security State Bank Sutherland, Iowa	commercial	2.54	2.49	77,251	29.56	40.87
82	Spring Valley Bank Wyoming, Ohio	commercial	2.53	3.58	67,275	6.50	45.12
	Wells Bank of Platte City Mo.	commercial	2.53	2.52	90,877	35.14	48.12
84	Casey State Bank Ill.	commercial	2.52	1.93	247,365	27.99	45.01
85	Bank of Baker Mont.	commercial	2.51	2.93	115,916	28.94	36.28
	Charter Bank Eau Claire Wis.	commercial	2.51	1.69	543,909	19.94	28.70
	City National Bank and Trust Co. of Lawton Okla.	commercial	2.51	1.51	272,077	18.79	73.61
	Marion County State Bank Pella, Iowa	commercial	2.51	2.15	229,526	23.08	34.77
89	Amerasia Bank Flushing, N.Y.	commercial	2.49	1.47	244,835	25.52	37.62
	Brunswick State Bank Neb.	commercial	2.49	2.46	74,463	25.74	43.89
	Landmands Bank Audubon, Iowa	commercial	2.49	2.59	60,654	26.18	52.94
	Shell Lake State Bank Wis.	commercial	2.49	2.28	140,996	13.16	35.08
	Taylor County Bank Campbellsville, Ky.	commercial	2.49	1.92	151,939	24.80	48.16
94	Crockett National Bank San Angelo, Texas	commercial	2.48	1.89	287,021	23.21	47.69
95	Cowboy Bank of Texas Maypearl	commercial	2.47	2.67	45,467	25.89	59.60
96	Bank of Alma Wis.	commercial	2.46	2.12	193,806	7.26	29.70
	Crescent Bank and Trust New Orleans	commercial	2.46	2.24	577,516	20.40	69.87
	Farmers Bank Carnegie, Okla.	commercial	2.46	2.82	54,901	26.56	53.95
99	First Bank of Berne Ind.	commercial	2.44	2.34	425,534	24.50	45.58
	NewBank Flushing, N.Y.	commercial	2.44	0.93	132,851	22.29	44.35
	Quail Creek Bank Oklahoma City	commercial	2.44	2.22	453,539	26.12	42.87
	St. Henry Bank Ohio	commercial	2.44	1.64	223,261	14.41	32.51
103	Bank of Mauston Wis.	commercial	2.43	2.42	238,136	22.16	46.25
	First State Bank of Le Center Minn.	commercial	2.43	1.58	66,315	22.50	51.21
	FirstBank Antlers, Okla.	commercial	2.43	2.04	214,731	29.97	64.14
106	Bank of Houston Mo.	commercial	2.42	-0.64	46,449	22.10	58.15
	Haverford Trust Co. Radnor, Pa.	commercial	2.42	2.29	110,279	14.18	86.94
	Midwest Bank Detroit Lakes, Minn.	commercial	2.42	1.95	277,800	26.52	51.94
109	First National Bank of Bangor Wis.	commercial	2.41	2.28	192,898	11.58	23.31
	Guaranty Bank and Trust Co. of Delhi La.	commercial	2.41	2.10	121,068	23.89	52.56
	New Era Bank Fredericktown, Mo.	commercial	2.41	2.64	281,284	20.81	39.81
	Oak Creek Valley Bank Valparaiso, Neb.	commercial	2.41	1.77	60,837	20.96	44.67
	Sunwest Bank Tustin, Calif.	commercial	2.41	1.04	603,550	19.59	51.95
	Town and Country Bank of Quincy Ill.	commercial	2.41	1.86	106,747	21.34	53.33
	United Community Bank of North Dakota Leeds	commercial	2.41	0.07	208,825	28.76	41.60
116	Citizens National Bank at Brownwood Texas	commercial	2.40	2.17	183,356	19.39	47.43
	Great Plains National Bank Elk City, Okla.	commercial	2.40	2.73	372,000	27.57	61.27
	Peoples State Bank Summit, S.D.	commercial	2.40	2.22	50,140	23.12	42.44
119	Bank of Commerce Duncan, Okla.	commercial	2.39	1.86	147,172	23.17	48.24
	Cumberland Security Bank Somerset, Ky.	commercial	2.39	2.40	157,949	19.17	52.98
	Lamar Bank and Trust Co. Mo.	commercial	2.39	2.68	121,576	25.49	48.92
	Open Bank Los Angeles	commercial	2.39	-6.70	135,124	17.10	65.38
123	Home State Bank Louisville, Neb.	commercial	2.38	5.49	82,616	19.37	46.81
	Lusk State Bank Wyo.	commercial	2.38	2.65	43,607	24.75	54.07
125	Bank of Ohio County Inc. Beaver Dam, Ky.	commercial	2.37	1.76	92,024	13.56	45.88
	First Bank Upper Michigan Gladstone	commercial	2.37	2.36	167,909	14.71	50.94
127	Coleman County State Bank Coleman, Texas	commercial	2.36	1.69	76,475	22.98	63.92
	Metz Banking Co. Nevada, Mo.	commercial	2.36	1.89	63,775	23.76	46.63
129	Citizens State Bank of La Crosse Wis.	commercial	2.35	2.44	102,723	29.08	51.03
130	American Interstate Bank Elkhorn, Neb.	commercial	2.34	2.32	111,262	27.09	41.52
	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	2.34	2.17	94,214	23.22	48.77
	Lowry State Bank Minn.	commercial	2.34	1.25	36,314	24.93	50.99
	The Bank Oberlin, Kan.	commercial	2.34	3.06	191,149	23.81	36.50
134	Peoples Bank Mendenhall, Miss.	commercial	2.33	2.19	217,022	25.49	48.07
135	First National Bank Fabens, Texas	commercial	2.32	2.56	316,873	28.58	47.84
	First National Bank of Picayune Miss.	commercial	2.32	2.39	209,549	21.51	48.54
137	Home State Bank Royal, Iowa	commercial	2.31	2.41	38,406	7.50	35.12
	Provident Bank MHC Amesbury, Mass.	savings	2.31	0.64	499,307	24.71	73.05
	Southwest National Bank Wichita, Kan.	commercial	2.31	2.31	356,380	25.73	52.45
140	Farmers Trust and Savings Bank Williamsburg, Iowa	commercial	2.30	2.52	137,695	12.94	40.80
141	Commercial State Bank of Wagner S.D.	commercial	2.29	1.75	131,745	23.87	45.38
	First National Bank of America East Lansing, Mich.	commercial	2.29	1.23	500,240	15.36	53.01
143	Morris State Bank Okla.	commercial	2.28	2.33	63,518	25.62	55.37
	Peoples State Bank Blair, Okla.	commercial	2.28	2.19	16,550	24.06	62.91
	River Bank Stoddard, Wis.	commercial	2.28	1.61	405,271	20.53	38.30
146	First National Bank of Gordon Neb.	commercial	2.27	2.23	152,403	17.88	43.34
147	Farmers State Bank Hosmer, S.D.	commercial	2.26	0.40	17,088	15.80	57.37
	First Whitney Bank and Trust Atlantic, Iowa	commercial	2.26	2.64	157,615	21.05	30.58
	Justin State Bank Texas	commercial	2.26	1.98	70,020	18.95	41.85
150	Peoples Bank Cuba, Mo.	commercial	2.25	1.92	170,237	21.10	54.98
	Peoples State Bank McDonald, Kan.	commercial	2.25	1.53	98,674	25.58	59.00
152	Mainland Bank Texas City, Texas	commercial	2.24	3.20	93,300	26.04	56.79
	Union Bank of Mena Ark.	commercial	2.24	2.16	178,184	24.70	58.04
154	Bank of Bloomsdale Mo.	commercial	2.23	2.40	196,319	23.75	42.33
	Citizens Deposit Bank of Arlington Inc. Ky.	commercial	2.23	1.90	172,956	19.25	43.37
	Maynard Savings Bank Iowa	commercial	2.23	1.85	46,912	15.98	45.63
	Port Richmond Savings Philadelphia	savings	2.23	1.36	63,285	14.67	45.28
158	Bank of Tescott Kan.	commercial	2.22	1.92	286,601	21.04	39.26
	Prime Bank Edmond, Okla.	commercial	2.22	2.00	118,698	24.93	46.92
	Ultima Bank Minnesota Winger	commercial	2.22	2.19	115,653	23.55	55.54
161	Caldwell Bank and Trust Co. Columbia, La.	commercial	2.21	1.59	93,051	22.48	60.73
	Nebraska State Bank Oshkosh	commercial	2.21	2.07	46,083	23.01	58.63
	Viking State Bank and Trust Decorah, Iowa	commercial	2.21	2.22	107,735	21.76	42.11
164	Brush Country Bank Freer, Texas	commercial	2.20	2.80	41,590	23.81	58.40
	Farmers Savings Bank Colesburg, Iowa	commercial	2.20	1.65	143,292	25.53	36.36
	Middletown State Bank Ill.	commercial	2.20	2.04	25,039	22.32	42.50
	Tensas State Bank Newellton, La.	commercial	2.20	2.30	121,089	20.01	53.16
168	Home Bank of California San Diego	commercial	2.19	2.15	134,235	16.72	51.76
	Jackson County Bank Black River Falls, Wis.	commercial	2.19	1.95	202,341	22.23	48.08
	Oklahoma State Bank Buffalo	commercial	2.19	2.24	46,404	29.90	57.16
	Waggoner National Bank of Vernon Texas	commercial	2.19	2.33	239,521	16.44	46.82
172	Bank of Glen Ullin N.D.	commercial	2.18	2.07	40,506	18.08	43.72
	Community First Bank Keosauqua, Iowa	commercial	2.18	0.72	143,219	19.25	52.13
	Douglas National Bank Ga.	commercial	2.18	2.28	151,628	19.35	51.32
	Liberty State Bank Powers Lake, N.D.	commercial	2.18	1.96	51,231	24.22	42.57
176	City National Bank of Sulphur Springs Texas	commercial	2.17	1.80	414,346	25.41	63.46
177	First National Bank of Kinmundy Ill.	commercial	2.16	2.37	36,110	18.10	39.12
	International Bank of Chicago	commercial	2.16	0.89	237,591	18.91	38.97
	Marlin Business Bank Salt Lake City	commercial	2.16	2.77	187,737	7.54	61.45
180	Bank of Camden Tenn.	commercial	2.15	1.24	190,527	13.20	42.72
	Headwaters State Bank Land O'Lakes, Wis.	commercial	2.15	2.10	63,110	16.55	51.00
182	Bitterroot Valley Bank Lolo, Mont.	commercial	2.14	1.18	197,544	21.03	52.52
	Exchange Bank Gibbon, Neb.	commercial	2.14	1.40	221,120	22.94	40.56
	Heartland State Bank Redfield, S.D.	commercial	2.14	1.67	68,451	23.43	57.44
	Pacific City Bank Los Angeles	commercial	2.14	-2.84	513,881	19.52	51.72
	Vermillion State Bank Minn.	commercial	2.14	2.45	479,737	18.09	31.60
187	American National Bank-Fox Cities Appleton, Wis.	commercial	2.13	1.40	247,868	19.28	35.37
	Bank of Las Vegas N.M.	commercial	2.13	1.29	185,010	21.82	51.28
	Citizens State Bank of Cheney Kan.	commercial	2.13	2.06	51,939	15.91	53.95
	First Bank of Chandler Okla.	commercial	2.13	1.77	74,232	21.47	47.35
	Grand Marais State Bank Minn.	commercial	2.13	1.91	69,742	26.28	56.08
192	First State Bank Louise, Texas	commercial	2.12	2.39	266,871	25.71	60.85
	Paducah Bank and Trust Co. Ky.	commercial	2.12	2.20	526,059	19.37	55.96
194	Bank of Cashton Wis.	commercial	2.11	0.90	60,261	21.88	56.14
	Bank of Ontario Wis.	commercial	2.11	2.14	33,139	20.33	54.73
	HNB National Bank Hannibal, Mo.	commercial	2.11	2.20	322,023	19.41	55.72
	Shelby Savings Bank SSB Center, Texas	savings	2.11	1.79	240,816	20.01	56.16
	Vista Bank Ralls, Texas	commercial	2.11	-0.06	210,517	23.38	56.23
199	Auburn Banking Co. Ky.	commercial	2.10	1.98	66,415	26.50	54.55
	Bellevue State Bank Iowa	commercial	2.10	0.90	76,520	19.56	45.72
	Insight Bank Columbus, Ohio	commercial	2.10	0.54	144,223	18.55	72.71
	Northwoods State Bank Mason City, Iowa	commercial	2.10	1.59	146,662	25.60	55.36
	Petersburg State Bank Neb.	commercial	2.10	1.88	32,255	26.66	51.27

Note: Independent banks and thrifts operating as of Sept. 21, 2011, 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.
Source:

SNL Financial