Community Banks with the Highest Returns on Average Assets

Published April 04, 2012, 5:15 p.m. EDT

Updated April 04, 2012, 4:15 p.m. EDT

1 Min Read

View Table

Printer Friendly Version

Community Banks with the Highest Returns on Average Assets

Community Banks with the Highest Returns on Average AssetsOn Dec. 31, 2011. Dollars in thousands Published April 4, 2012
Rank		Type of institution	Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		Type of institution	4Q 2011	4Q 2010	Assets	Return on avg. equity	Efficiency ratio
1	Continental Bank Salt Lake City	commercial	10.07%	10.36%	$113,700	44.46%	29.33%
2	Bank 7 Oklahoma City	commercial	8.54	1.62	211,566	81.09	27.25
3	Live Oak Banking Co. Wilmington, N.C.	commercial	6.14	4.51	263,519	57.60	52.98
4	Cache Valley Bank Logan, Utah	commercial	4.80	1.52	488,018	39.67	27.16
5	First Credit Bank Los Angeles	commercial	4.71	7.02	438,101	17.08	18.18
6	Peoples State Bank Cherryvale, Kan.	commercial	4.26	4.43	16,734	15.58	45.45
7	American First National Bank Houston	commercial	4.20	1.16	868,864	36.88	28.27
8	RepublicBankAz Phoenix	commercial	4.13	-2.08	65,794	42.40	58.20
9	Bay Commercial Bank Walnut Creek, Calif.	commercial	3.98	0.41	269,611	20.59	45.06
10	Community Bank Austin, Minn.	commercial	3.72	-0.50	38,027	47.30	91.33
11	Bank of Montgomery La.	commercial	3.67	2.46	174,702	40.53	46.64
12	Pilsen State Bank Lincolnville, Kan.	commercial	3.62	6.71	10,584	26.73	38.83
13	Peoples Community Bank Greenville, Mo.	commercial	3.51	3.17	136,459	22.98	42.37
14	Royal Bank Elroy, Wis.	commercial	3.49	1.14	309,755	34.67	31.84
15	First Midwest Bank Centerville, S.D.	commercial	3.40	-4.13	89,995	33.97	48.49
16	Lusk State Bank Wyo.	commercial	3.34	2.39	50,828	35.14	44.18
17	Bank of Buffalo Ky.	commercial	3.29	2.94	74,529	35.00	31.12
18	Merchants Bank of Indiana Lynn	commercial	3.26	6.65	608,659	27.83	35.80
19	TexasBank Brownwood	commercial	3.24	3.56	292,876	25.27	45.90
20	Goodfield State Bank Ill.	commercial	3.22	3.38	70,023	26.57	41.65
21	Crestmark Bank Troy, Mich.	commercial	3.21	2.74	362,969	27.00	61.81
22	Crown Bank Elizabeth, N.J.	commercial	3.14	3.21	566,256	24.30	40.63
23	Spring Valley Bank Wyoming, Ohio	commercial	3.12	3.11	67,501	7.93	30.98
24	First Financial Bank El Dorado, Ark.	commercial	3.09	2.57	791,266	34.30	51.00
25	Corydon State Bank Iowa	commercial	3.04	3.63	81,891	20.68	21.58
26	Bank of Birmingham Mich.	commercial	3.03	0.62	123,868	33.78	76.55
27	Charter Bank Corpus Christi, Texas	commercial	2.89	2.66	207,637	35.92	50.25
28	Solon State Bank Iowa	commercial	2.87	1.40	83,562	14.63	40.40
29	Farmers and Merchants Bank of Kendall Wis.	commercial	2.80	2.68	54,336	23.22	40.99
30	First American Bank Stonewall, Okla.	commercial	2.79	2.65	23,921	25.84	54.65
31	Quinnipiac Bank and Trust Co. Hamden, Conn.	commercial	2.75	-1.33	76,007	24.71	82.83
32	Haverford Trust Co. Radnor, Pa.	commercial	2.74	2.26	107,720	15.74	87.86
33	Senath State Bank Mo.	commercial	2.73	2.53	65,986	18.56	50.30
34	Riverside Bank Sparkman, Ark.	commercial	2.70	2.80	58,601	34.34	49.83
35	Premier Bank Rock Valley, Iowa	commercial	2.67	2.65	236,456	25.13	33.88
	La Farge State Bank Wis.	commercial	2.67	2.18	49,626	8.29	23.64
37	Security Bank and Trust Co. Paris, Tenn.	commercial	2.66	2.16	172,896	28.18	46.47
38	First Colorado National Bank Paonia	commercial	2.64	0.02	46,989	16.67	63.70
39	First State Bank of Porter Okla.	commercial	2.62	2.22	34,352	17.72	61.74
40	Prime Bank Edmond, Okla.	commercial	2.61	1.94	144,490	27.21	44.59
41	Farmers and Merchants State Bank Plankinton, S.D.	commercial	2.60	2.71	84,586	27.37	41.09
42	Citizens State Bank of La Crosse Wis.	commercial	2.59	3.01	112,027	31.86	50.19
	Lowry State Bank Minn.	commercial	2.59	1.42	37,616	27.57	49.70
44	Bank of Hydro Okla.	commercial	2.58	1.74	115,242	31.74	40.76
	Peoples Community State Bank Doniphan, Mo.	commercial	2.58	2.70	126,938	17.75	42.67
46	White Rock Bank Cannon Falls, Minn.	commercial	2.56	6.98	140,501	25.53	55.16
47	Security State Bank Sutherland, Iowa	commercial	2.55	2.49	79,275	30.22	42.67
	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	2.55	1.96	351,538	21.64	54.08
49	WestStar Bank El Paso, Texas	commercial	2.54	2.28	986,432	29.88	47.44
	Central State Bank Clayton, Ill.	commercial	2.54	2.15	92,632	17.64	44.89
	Murphy Bank Fresno, Calif.	commercial	2.54	2.00	109,218	15.76	46.17
52	Bank of Advance Mo.	commercial	2.51	2.40	262,367	16.05	46.85
53	Mainland Bank Texas City, Texas	commercial	2.50	2.44	90,321	28.13	57.00
54	Brunswick State Bank Neb.	commercial	2.49	2.67	84,488	26.13	44.55
	First National Bank of Las Animas Colo.	commercial	2.49	1.69	249,525	22.23	54.34
56	Exchange Bank Gibbon, Neb.	commercial	2.48	1.71	389,060	28.83	41.18
	Heritage State Bank Lawrenceville, Ill.	commercial	2.48	2.53	71,213	27.49	54.97
58	Peoples State Bank McDonald, Kan.	commercial	2.47	1.64	115,815	28.63	54.12
	Crockett National Bank San Angelo, Texas	commercial	2.47	1.78	299,713	22.28	48.73
60	FirstBank Antlers, Okla.	commercial	2.46	2.31	225,632	30.24	64.39
61	First Bank of Berne Ind.	commercial	2.43	2.45	434,477	24.12	47.53
	Bank of Hemet Riverside, Calif.	commercial	2.43	2.09	439,763	21.11	45.97
63	Bank of DeSoto Texas	commercial	2.42	2.06	171,468	23.85	56.20
64	Great Plains National Bank Elk City, Okla.	commercial	2.41	2.10	395,101	27.40	60.71
	Morris State Bank Okla.	commercial	2.41	2.24	62,874	27.11	53.27
	Bank of Bloomsdale Mo.	commercial	2.41	2.53	193,336	24.72	42.20
	Commerce National Bank Corinth, Miss.	commercial	2.41	2.02	88,607	18.59	47.90
	First Bank Upper Michigan Gladstone	commercial	2.41	2.45	168,435	14.60	49.56
	Marlin Business Bank Salt Lake City	commercial	2.41	3.52	268,216	9.90	56.51
70	Citizens State Bank Okemah, Okla.	commercial	2.40	2.31	164,522	26.84	35.86
	Cowboy Bank of Texas Maypearl	commercial	2.40	2.34	50,975	25.00	58.89
	American Riviera Bank Santa Barbara, Calif.	commercial	2.40	0.75	142,235	16.29	72.56
73	Farmers and Merchants State Bank of Pierz Minn.	commercial	2.38	2.19	177,173	23.17	45.99
	Ruby Valley National Bank Twin Bridges, Mont.	commercial	2.38	3.04	79,284	17.42	49.75
75	Points West Community Bank Julesburg, Colo.	commercial	2.37	1.28	197,142	25.68	46.36
	First National Bank of Hughes Springs Texas	commercial	2.37	0.72	186,451	18.65	50.10
77	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	2.36	1.91	143,353	23.40	49.93
	Marion County State Bank Pella, Iowa	commercial	2.36	2.08	244,472	21.00	37.93
	Garden City State Bank Kan.	commercial	2.36	2.11	67,723	18.56	50.28
	Farmers Trust and Savings Bank Williamsburg, Iowa	commercial	2.36	2.49	131,776	12.95	45.05
	First National Bank Fort Pierre, S.D.	commercial	2.36	2.41	696,810	11.69	40.09
82	CrossFirst Bank Leawood, Kan.	commercial	2.35	0.37	346,130	22.70	62.61
	First National Bank of Bangor Wis.	commercial	2.35	1.60	203,707	11.32	22.31
84	American Interstate Bank Elkhorn, Neb.	commercial	2.34	2.22	110,498	27.67	41.13
85	State Bank of New Richland Minn.	commercial	2.33	2.26	91,446	25.54	45.54
	Oak Creek Valley Bank Valparaiso, Neb.	commercial	2.33	1.87	63,624	20.08	42.34
	First Eagle Bank Hanover Park, Ill.	commercial	2.33	1.94	336,958	16.19	41.67
88	Peoples Bank Mendenhall, Miss.	commercial	2.32	1.68	228,911	25.23	48.74
	Avenue Bank Nashville, Tenn.	commercial	2.32	0.12	625,379	22.97	82.10
	Farmers State Bank Hosmer, S.D.	commercial	2.32	1.09	17,941	15.79	56.85
91	Bank of Baker Mont.	commercial	2.31	2.41	128,638	26.97	40.13
	City National Bank and Trust Co. of Lawton Okla.	commercial	2.31	1.54	287,660	17.39	74.39
93	United Community Bank of North Dakota Leeds	commercial	2.30	1.73	235,981	27.51	45.53
	City Savings Bank and Trust Co. De Ridder, La.	commercial	2.30	2.30	217,286	19.73	58.94
	Farmers State Bank of Adams Minn.	commercial	2.30	2.16	82,918	18.67	43.14
96	First National Bank Fabens, Texas	commercial	2.29	2.33	303,002	27.87	50.11
	The Bank Oberlin, Kan.	commercial	2.29	2.88	201,854	22.91	39.51
	Embassy National Bank Lawrenceville, Ga.	commercial	2.29	-1.17	55,064	16.50	71.50
	Maynard Savings Bank Iowa	commercial	2.29	2.04	49,945	16.38	42.11
100	Quail Creek Bank Oklahoma City	commercial	2.28	2.05	468,320	24.36	44.67
101	Bank of Minden Mindenmines, Mo.	commercial	2.27	0.81	28,814	17.40	75.34
102	Ultima Bank Minnesota Winger	commercial	2.26	2.02	123,845	24.38	55.69
	First National Bank George West, Texas	commercial	2.26	1.79	230,188	21.47	53.28
	Preston National Bank Dallas	commercial	2.26	1.57	59,823	15.80	67.53
	Payne County Bank Perkins, Okla.	commercial	2.26	2.19	124,720	12.66	56.93
106	Wells Bank of Platte City Mo.	commercial	2.25	2.46	94,199	28.91	47.27
	Union Bank and Trust Co. Livingston, Tenn.	commercial	2.25	2.24	77,381	21.42	49.38
108	Lamar Bank and Trust Co. Mo.	commercial	2.24	2.36	124,549	23.36	50.78
109	American State Bank Sioux Center, Iowa	commercial	2.23	2.22	567,776	20.80	39.41
	Crescent Bank and Trust New Orleans	commercial	2.23	1.64	624,475	19.08	69.24
	Sargent County Bank Forman, N.D.	commercial	2.23	2.07	98,625	16.60	34.34
	Tustin Community Bank Calif.	commercial	2.23	1.86	57,075	15.94	65.24
113	Southwest National Bank Wichita, Kan.	commercial	2.22	2.31	421,467	25.24	53.62
	First Whitney Bank and Trust Atlantic, Iowa	commercial	2.22	2.34	166,354	19.66	34.28
	Citizens State Bank of Cheney Kan.	commercial	2.22	2.23	51,231	16.92	49.58
116	Midwest Bank Detroit Lakes, Minn.	commercial	2.21	1.77	299,802	24.19	53.43
	Union Bank of Mena Ark.	commercial	2.21	2.12	177,378	23.71	58.88
	Peoples State Bank Summit, S.D.	commercial	2.21	2.16	55,697	20.78	44.90
	Bank of Mauston Wis.	commercial	2.21	2.44	235,575	20.34	45.85
	Benchmark Bank Plano, Texas	commercial	2.21	4.59	358,515	19.04	77.13
	New Era Bank Fredericktown, Mo.	commercial	2.21	2.46	278,818	18.76	41.29
122	Bank Northwest Hamilton, Mo.	commercial	2.20	2.26	106,310	25.32	50.91
	Heartland State Bank Redfield, S.D.	commercial	2.20	1.77	70,964	24.39	57.27
	First State Bank of Bedias Texas	commercial	2.20	1.95	143,238	21.09	40.13
	First National Bank of Gordon Neb.	commercial	2.20	2.10	152,928	17.28	44.10
126	Bank of Union El Reno, Okla.	commercial	2.19	2.29	381,170	23.82	37.00
	Guaranty Bank and Trust Co. of Delhi La.	commercial	2.19	1.92	130,432	22.60	55.44
	American National Bank-Fox Cities Appleton, Wis.	commercial	2.19	1.58	258,108	19.31	34.76
	Alva State Bank and Trust Co. Okla.	commercial	2.19	1.74	206,324	12.61	43.75
	Royal Business Bank Los Angeles	commercial	2.19	-1.52	502,366	12.19	68.47
131	Southwest Capital Bank Las Vegas, N.M.	commercial	2.18	1.56	205,177	22.91	51.23
132	Sherburne State Bank Becker, Minn.	commercial	2.17	-2.74	69,283	24.93	57.80
	Liberty State Bank Powers Lake, N.D.	commercial	2.17	2.05	56,746	24.42	40.83
	First State Bank of Colfax Iowa	commercial	2.17	2.63	68,337	16.90	26.70
	Clinton State Bank Minn.	commercial	2.17	2.23	67,044	16.54	45.31
	Bank of Galesville Wis.	commercial	2.17	2.04	86,707	15.09	55.80
137	State Bank of Lima Ill.	commercial	2.16	1.69	30,834	20.98	50.54
138	Brush Country Bank Freer, Texas	commercial	2.15	2.46	46,827	25.50	57.65
	Lyons State Bank Kan.	commercial	2.15	0.42	95,299	24.45	49.90
	First Bank of Chandler Okla.	commercial	2.15	1.92	78,306	21.43	49.70
	International Bank of Chicago	commercial	2.15	0.77	289,172	19.29	33.27
	Commercial Capital Bank Delhi, La.	commercial	2.15	2.29	49,527	19.18	59.58
	Peoples Bank Westville, Okla.	commercial	2.15	1.87	50,797	18.95	60.17
	Charter Bank Eau Claire Wis.	commercial	2.15	1.25	549,908	16.62	31.35
	Heartland Bank Bryant, Ark.	commercial	2.15	1.98	186,005	15.99	51.09
146	Taylor County Bank Campbellsville, Ky.	commercial	2.14	1.80	156,113	20.95	51.33
	Citizens State Bank Corrigan, Texas	commercial	2.14	2.21	105,704	19.90	56.27
	First National Bank of Kinmundy Ill.	commercial	2.14	2.31	36,735	17.79	42.06
149	Northern Hancock Bank and Trust Co. Newell, W.Va.	commercial	2.13	1.66	31,562	20.31	61.70
	Waukon State Bank Iowa	commercial	2.13	1.90	119,798	17.52	47.46
151	Middletown State Bank Ill.	commercial	2.12	1.82	25,836	21.90	43.13
	Chesapeake Bank and Trust Co. Chestertown, Md.	commercial	2.12	1.79	92,144	19.82	52.60
	Town and Country Bank of Quincy Ill.	commercial	2.12	1.78	103,822	18.81	57.81
	First National Bank Sallisaw Okla.	commercial	2.12	2.26	223,553	14.13	52.47
155	Bitterroot Valley Bank Lolo, Mont.	commercial	2.11	1.73	192,324	20.66	50.80
156	Prairie State Bank and Trust Mount Zion, Ill.	commercial	2.09	2.07	632,958	23.65	51.21
	Paducah Bank and Trust Co. Ky.	commercial	2.09	2.20	534,103	18.76	57.40
158	HNB National Bank Hannibal, Mo.	commercial	2.08	1.97	319,595	18.68	55.52
	Waggoner National Bank of Vernon Texas	commercial	2.08	2.18	244,209	15.45	44.03
160	Auburn Banking Co. Ky.	commercial	2.07	1.94	64,475	25.89	55.51
	Nebraska State Bank Oshkosh	commercial	2.07	2.26	47,205	21.09	60.03
	Citizens Bank of Las Cruces N.M.	commercial	2.07	2.20	393,709	20.51	54.38
	Cumberland Security Bank Somerset, Ky.	commercial	2.07	2.14	157,914	16.58	51.93
164	Choice Bank Oshkosh, Wis.	commercial	2.06	-3.54	175,010	25.58	54.01
	Venture Bank Bloomington, Minn.	commercial	2.06	1.37	319,923	23.71	54.25
	Home Bank of California San Diego	commercial	2.06	2.02	128,100	15.28	51.18
	Bank of Alma Wis.	commercial	2.06	2.00	199,508	6.07	19.14
168	First State Bank of Forrest Ill.	commercial	2.05	1.86	124,381	21.78	51.63
169	Horizon Bank Waverly, Neb.	commercial	2.04	1.76	197,517	20.29	39.36
	River Bank Stoddard, Wis.	commercial	2.04	1.97	421,886	18.25	40.09
171	First National Bank of Muskogee Okla.	commercial	2.03	1.81	175,000	23.74	59.16
	Four Corners Community Bank Farmington, N.M.	commercial	2.03	1.68	214,356	20.75	47.58
	Clare Bank Platteville, Wis.	commercial	2.03	1.81	260,438	20.61	38.78
	Bank of Glen Ullin N.D.	commercial	2.03	1.82	42,465	17.09	46.94
175	Shelby Savings Bank SSB Center, Texas	savings	2.02	1.92	258,567	19.50	56.01
	Citizens National Bank of Wills Point Texas	commercial	2.02	2.21	97,458	18.05	52.87
	Bank of Feather River Yuba City, Calif.	commercial	2.02	0.51	51,141	13.57	77.92
178	Citizens State Bank Miles, Texas	commercial	2.01	1.99	80,127	24.54	52.97
	Community First Bank Butler, Mo.	commercial	2.01	2.19	158,580	22.24	50.96
	Peoples Bank Paris, Texas	commercial	2.01	2.32	109,127	21.80	69.05
	Union Bank of Blair Wis.	commercial	2.01	1.63	79,908	21.47	48.53
	Landmands Bank Audubon, Iowa	commercial	2.01	2.08	61,677	20.85	58.42
	F&M Bank Edmond, Okla.	commercial	2.01	0.72	231,586	20.58	67.60
	Citizens Deposit Bank of Arlington Inc. Ky.	commercial	2.01	1.88	178,730	17.21	45.83
185	Security First National Bank of Hugo Okla.	commercial	2.00	1.84	101,621	25.08	47.19
	Westside State Bank Iowa	commercial	2.00	1.66	69,488	21.83	60.60
	American Bank Le Mars, Iowa	commercial	2.00	1.80	242,684	18.42	47.74
188	First Security Bank of Roundup Mont.	commercial	1.99	0.93	49,007	19.39	59.36
	Home State Bank Louisville, Neb.	commercial	1.99	2.77	79,779	16.02	53.71
190	Community Bank Longview, Texas	commercial	1.98	2.25	151,021	29.13	54.58
	Northwoods State Bank Mason City, Iowa	commercial	1.98	1.32	153,021	23.37	49.95
	Great Plains Bank Eureka, S.D.	commercial	1.98	1.59	93,700	23.19	48.15
	First State Bank Scottsbluff, Neb.	commercial	1.98	1.64	215,152	22.07	46.78
	Great Plains National Bank Belfield, N.D.	commercial	1.98	1.44	160,499	21.21	44.83
	WoodTrust Bank Wisconsin Rapids, Wis.	commercial	1.98	2.16	331,215	18.45	58.52
	American Bank and Trust Wessington Springs, S.D.	commercial	1.98	1.51	378,139	17.97	57.40
	First Farmers and Merchants National Bank Luverne, Minn.	commercial	1.98	1.95	154,111	16.30	64.42
	Citizens State Bank Monticello, Iowa	commercial	1.98	1.82	316,782	16.12	46.99
	Hershey State Bank Neb.	commercial	1.98	1.66	47,991	12.62	49.98
	Yellowstone Bank Laurel, Mont.	commercial	1.98	2.38	437,304	10.92	45.30

Note: Independent banks and thrifts operating as of March 23, 2012, 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