Community Banks with the Highest Returns on Average Assets

October 11, 2012, 8:00 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average AssetsOn June 30, 2012. Dollars in thousands Published October 11, 2012
Rank		Type of institution	Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank		Type of institution	2Q 2012	2Q 2011	Assets	Return on avg. equity	Efficiency ratio
1	Seacoast Commerce Bank San Diego	commercial	10.35%	1.83%	$157,426	76.76%	86.33%
2	Woodland Bank Deer River, Minn.	commercial	8.12	-0.01	63,671	86.09	28.99
3	Federal Savings Bank Overland Park, Kan.	savings	7.53	18.26	110,703	71.86	69.51
4	Mitchell Bank Milwaukee	commercial	7.51	-1.01	57,475	57.75	79.21
5	Hull Federal Savings Bank Baltimore	savings	6.78	-5.46	25,227	73.52	45.75
6	First Credit Bank Los Angeles	commercial	6.29	5.89	452,201	21.09	11.87
7	First Commons Bank Newton Center, Mass.	commercial	6.18	-2.84	194,283	55.86	92.80
8	Live Oak Banking Co. Wilmington, N.C.	commercial	6.01	5.32	301,453	51.48	55.74
9	Village Bank St. George, Utah	commercial	6.00	-1.63	115,521	76.25	26.32
10	Continental Bank Salt Lake City	commercial	5.60	9.12	110,731	21.51	34.95
	Crescent Bank and Trust New Orleans	commercial	5.60	2.46	722,961	52.08	55.48
12	Merchants Bank of Indiana Lynn	commercial	5.10	3.70	842,640	51.96	20.27
13	Main Street Bank Bingham Farms, Mich.	commercial	4.94	0.88	117,573	59.20	63.38
14	Benchmark Bank Plano, Texas	commercial	4.92	0.70	362,435	38.98	68.26
15	First National Bank in Philip S.D.	commercial	4.74	1.77	161,446	34.84	54.57
16	Community Business Bank West Sacramento, Calif.	commercial	4.57	1.16	146,924	31.86	69.92
17	Idaho Trust Bank Boise	commercial	4.32	-1.33	74,382	20.70	84.78
18	TrustAtlantic Bank Raleigh, N.C.	commercial	4.26	0.17	369,835	36.92	64.68
19	Northpointe Bank Grand Rapids, Mich.	commercial	4.24	0.11	305,891	68.23	63.31
20	Heartland Bank Bryant, Ark.	commercial	4.23	2.03	182,326	28.46	35.62
21	Liberty Savings Bank FSB Wilmington, Ohio	savings	4.04	-0.37	603,380	28.88	51.13
22	Guardian Savings Bank FSB West Chester, Ohio	savings	4.02	1.20	782,860	48.61	32.28
23	First State Bank Southwest Pipestone, Minn.	commercial	3.95	1.56	202,735	36.37	40.07
24	Revere Bank Laurel, Md.	commercial	3.75	0.13	340,928	41.44	76.23
25	Union National Bank Elgin, Ill.	commercial	3.72	-19.08	379,120	61.69	49.55
26	RepublicBankAz Phoenix	commercial	3.65	1.16	77,247	31.08	68.14
27	Peoples Community Bank Greenville, Mo.	commercial	3.62	3.74	146,062	23.52	37.73
28	Peoples Bank and Trust Co. Ryan, Okla.	commercial	3.59	1.64	29,460	30.42	60.42
29	University Bank Ann Arbor, Mich.	commercial	3.57	0.05	135,810	54.19	75.13
30	Citizens State Bank of La Crosse Wis.	commercial	3.55	2.35	115,503	40.49	42.58
31	Southwest Capital Bank Las Vegas, N.M.	commercial	3.54	2.13	201,773	36.99	38.47
32	Peoples State Bank Cherryvale, Kan.	commercial	3.52	4.29	15,536	12.41	45.60
33	mBank Manistique, Mich.	commercial	3.49	0.74	523,939	32.55	61.98
34	Volunteer State Bank Portland, Tenn.	commercial	3.48	1.06	393,892	37.16	66.18
35	Goodfield State Bank Ill.	commercial	3.40	3.07	72,643	25.88	35.63
	Southern States Bank Anniston, Ala.	commercial	3.40	0.28	264,294	23.90	32.80
37	Bank of England Ark.	commercial	3.32	1.51	260,668	32.24	79.49
38	Proficio Bank Cottonwood Heights, Utah	commercial	3.28	0.02	196,835	44.81	89.21
39	Prairie Sun Bank Milan, Minn.	commercial	3.25	1.71	33,969	42.18	72.73
40	First State Bank Barboursville, W.Va.	commercial	3.22	1.59	306,733	41.97	47.16
	McClave State Bank McClave, Colo.	commercial	3.22	0.76	24,131	30.43	68.55
42	Crestmark Bank Troy, Mich.	commercial	3.20	3.39	421,135	26.34	59.87
	First Financial Bank El Dorado, Ark.	commercial	3.20	2.58	797,695	33.33	50.79
44	Peoples Bank Westville, Okla.	commercial	3.16	1.77	52,133	26.95	58.55
45	Lusk State Bank Wyo.	commercial	3.12	2.38	54,975	31.69	42.82
	Triumph Savings Bank SSB Dallas	savings	3.12	-3.05	290,258	20.90	61.13
47	Liberty Bank FSB West Des Moines, Iowa	savings	3.11	-3.81	571,672	76.19	52.87
	NewBank Flushing, N.Y.	commercial	3.11	2.44	147,018	27.84	41.39
49	Home Bank of California San Diego	commercial	3.10	2.19	125,603	19.28	44.33
	TexasBank Brownwood	commercial	3.10	3.11	293,117	23.34	47.89
51	Leader Bank Arlington, Mass.	commercial	3.05	0.98	571,570	24.42	36.68
	Peoples National Bank Colorado Springs, Colo.	commercial	3.05	0.23	194,433	29.05	81.01
53	New Century Bank Belleville, Kan.	commercial	3.03	1.64	21,841	28.49	62.03
54	Commercial Bank De Kalb, Miss.	commercial	3.02	0.29	134,882	34.24	140.44
55	Bank of Hemet Riverside, Calif.	commercial	3.01	2.73	454,176	25.67	43.23
	Charter Bank Corpus Christi, Texas	commercial	3.01	2.70	223,862	38.12	46.24
57	Tompkins State Bank Avon, Ill.	commercial	3.00	0.88	189,166	28.26	79.88
58	Prime Bank Edmond, Okla.	commercial	2.98	2.22	164,505	31.58	41.22
59	Citizens State Bank Vernon, Ala.	commercial	2.97	1.16	91,770	25.87	37.25
	Corydon State Bank Iowa	commercial	2.97	3.31	84,966	19.47	18.82
	Premier Bank Rock Valley, Iowa	commercial	2.97	2.61	250,160	26.64	30.43
62	Town and Country Bank of Quincy Ill.	commercial	2.96	2.41	102,274	25.85	47.88
63	Solon State Bank Iowa	commercial	2.95	2.81	89,309	14.06	37.75
64	Security State Bank Sutherland, Iowa	commercial	2.93	2.54	85,355	35.28	33.77
65	Riverside Bank Sparkman, Ark.	commercial	2.92	3.01	57,008	31.98	46.19
66	Marion County State Bank Pella, Iowa	commercial	2.91	2.51	244,379	24.58	38.49
	State Bank of Texas Dallas	commercial	2.91	0.02	530,019	17.20	30.11
68	First Community Bank of Bedford County Shelbyville, Tenn.	commercial	2.88	0.98	329,045	21.65	56.68
69	Peoples Bank Mendenhall, Miss.	commercial	2.87	2.33	221,259	28.78	46.09
70	Columbus Junction State Bank Iowa	commercial	2.85	0.82	57,329	32.58	65.20
71	Commercial Capital Bank Delhi, La.	commercial	2.84	3.15	53,648	27.84	50.96
	Heritage State Bank Lawrenceville, Ill.	commercial	2.84	2.85	71,959	29.08	48.62
73	Clinton State Bank Minn.	commercial	2.83	2.74	65,549	20.60	27.90
	Wells Bank of Platte City Mo.	commercial	2.83	2.53	96,041	28.79	43.88
75	Brazos National Bank Richwood, Texas	commercial	2.82	1.77	21,784	16.03	85.16
	Vision Bank-Texas Richardson	commercial	2.82	6.22	145,204	28.61	72.87
77	Garden City State Bank Kan.	commercial	2.80	2.64	69,408	22.46	49.65
78	Bank of Buffalo Ky.	commercial	2.78	3.34	73,724	25.51	35.99
	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	2.78	2.81	366,914	24.05	50.74
	Yellowstone Bank Laurel, Mont.	commercial	2.78	1.74	444,763	14.79	43.07
81	Beauregard Federal Savings Bank Deridder, La.	savings	2.77	3.20	56,503	16.10	49.24
82	American Enterprise Bank Buffalo Grove, Ill.	commercial	2.76	-3.62	265,474	30.58	67.56
	First National Bank of Bangor Wis.	commercial	2.76	2.41	201,202	12.90	21.34
	Northstar Bank Bad Axe, Mich.	commercial	2.76	1.60	244,874	26.71	58.03
85	Bank of Monticello Mo.	commercial	2.75	1.73	89,916	26.47	53.09
	Ruby Valley National Bank Twin Bridges, Mont.	commercial	2.75	2.97	77,729	19.66	42.22
87	Empire National Bank Islandia, N.Y.	commercial	2.74	0.52	421,731	27.57	89.75
	First American Bank Stonewall, Okla.	commercial	2.74	2.89	25,790	25.74	53.28
	United Community Bank of North Dakota Leeds	commercial	2.74	2.41	255,176	30.59	35.64
	Waggoner National Bank of Vernon Texas	commercial	2.74	2.19	255,929	19.23	43.77
91	Bank 7 Oklahoma City	commercial	2.73	4.47	240,443	27.55	49.28
	Bank of Union El Reno, Okla.	commercial	2.73	2.04	414,036	27.98	31.36
	Marlin Business Bank Salt Lake City	commercial	2.73	2.16	368,966	15.03	54.74
94	Haverford Trust Co. Radnor, Pa.	commercial	2.72	2.42	113,246	17.25	85.42
95	Bank of Baker Mont.	commercial	2.71	2.51	124,859	31.41	32.35
	Century Bank Eugene, Ore.	commercial	2.71	0.51	87,124	20.16	56.58
97	NOA Bank Duluth, Ga.	commercial	2.70	2.70	119,190	18.84	54.38
98	Security State Bank Ansley, Neb.	commercial	2.69	1.66	121,438	33.08	58.74
99	Great Plains National Bank Elk City, Okla.	commercial	2.67	2.40	427,469	29.34	57.22
	Morris State Bank Okla.	commercial	2.67	2.28	66,835	30.83	51.85
101	Farmers and Merchants State Bank of Pierz Minn.	commercial	2.66	2.66	171,413	23.65	45.99
102	Bank of Geneva Ind.	commercial	2.64	1.75	159,559	23.35	60.84
	Bank of Hydro Okla.	commercial	2.64	2.68	141,550	34.41	38.74
	The Bank Oberlin, Kan.	commercial	2.64	2.34	216,686	26.81	34.50
105	Bank of Bloomsdale Mo.	commercial	2.63	2.23	193,875	24.88	39.04
	First Nebraska Bank Valley	commercial	2.63	1.32	190,238	28.45	50.37
	Jefferson Bank Fayette, Miss.	commercial	2.63	3.94	93,394	16.37	49.12
108	Charter Bank Eau Claire Wis.	commercial	2.62	2.51	554,861	18.22	28.81
	Charter West National Bank West Point, Neb.	commercial	2.62	1.62	197,160	26.71	63.47
	First Bank of Chandler Okla.	commercial	2.62	2.13	77,781	25.75	43.55
	Security State Bank Tyndall, S.D.	commercial	2.62	0.66	35,597	26.17	83.42
112	Bank of Morton Miss.	commercial	2.60	3.31	59,117	20.14	53.54
113	ACB Bank Cherokee, Okla.	commercial	2.59	1.69	71,255	27.03	47.22
	Crown Bank Ocean City, N.J.	commercial	2.59	3.49	558,672	19.79	45.28
	First State Bank Scottsbluff, Neb.	commercial	2.59	2.03	218,244	28.29	42.96
	First State Bank of Beecher City Ill.	commercial	2.59	1.70	64,317	21.27	48.14
117	Farmers and Merchants Bank Milligan, Neb.	commercial	2.58	1.92	47,685	24.24	48.56
118	Payne County Bank Perkins, Okla.	commercial	2.57	2.76	131,102	13.38	51.63
	Peoples Bank and Trust Pana, Ill.	commercial	2.57	2.01	281,067	23.39	48.60
	Peoples State Bank McDonald, Kan.	commercial	2.57	2.25	117,555	29.13	49.94
121	First Bank of Berne Ind.	commercial	2.56	2.44	518,487	28.28	46.40
	Guaranty Bank and Trust Co. of Delhi La.	commercial	2.56	2.41	133,515	26.48	51.35
	Mainland Bank Texas City, Texas	commercial	2.56	2.24	90,143	28.47	65.89
124	American First National Bank Houston	commercial	2.55	1.49	865,620	18.40	38.78
125	Dakota Community Bank and Trust Hebron, N.D.	commercial	2.54	1.58	592,020	34.54	47.93
	Diamond Bank Murfreesboro, Ark.	commercial	2.54	1.20	425,491	21.87	57.13
	Peoples State Bank Blair, Okla.	commercial	2.54	2.28	17,538	27.47	62.59
	Victory Community Bank Lakeside Park, Ky.	savings	2.54	1.77	153,496	19.10	47.48
129	American Interstate Bank Elkhorn, Neb.	commercial	2.53	2.34	107,147	29.94	38.72
	Security Bank and Trust Co. Paris, Tenn.	commercial	2.53	2.75	163,769	26.14	39.54
	Senath State Bank Mo.	commercial	2.53	2.89	62,983	17.74	47.95
132	Bank of Galesville Wis.	commercial	2.52	1.80	84,983	15.82	52.81
	CheckSpring Bank Bronx, N.Y.	commercial	2.52	3.92	72,877	20.22	66.58
	Libertyville Savings Bank Fairfield, Iowa	commercial	2.52	1.21	194,644	22.19	43.17
135	Union Bank of Blair Wis.	commercial	2.51	1.92	87,925	26.10	41.84
136	Venture Bank Bloomington, Minn.	commercial	2.50	2.02	323,465	28.14	55.86
137	First National Bank Fabens, Texas	commercial	2.49	2.32	308,014	27.89	52.84
	Ultima Bank Minnesota Winger	commercial	2.49	2.22	129,367	27.24	51.26
139	Central Bank Little Rock, Ark.	commercial	2.48	1.70	88,920	15.78	49.52
	Main Bank Albuquerque, N.M.	commercial	2.48	1.50	76,003	21.41	70.94
141	Belt Valley Bank Belt, Mont.	commercial	2.47	0.11	63,769	24.61	70.16
	Priority Bank Ozark, Ark.	savings	2.47	3.44	89,291	29.07	61.13
	Taylor County Bank Campbellsville, Ky.	commercial	2.47	2.49	162,117	22.18	47.30
144	First National Bank George West, Texas	commercial	2.46	2.76	246,239	23.50	47.81
145	State Bank of New Richland Minn.	commercial	2.45	2.56	95,177	25.94	39.60
146	Quail Creek Bank Oklahoma City	commercial	2.44	2.44	485,183	24.97	43.66
147	Bank of Glen Ullin N.D.	commercial	2.43	2.18	44,153	21.70	39.59
	Farmers Trust and Savings Bank Williamsburg, Iowa	commercial	2.43	2.30	138,399	12.94	40.51
	HNB National Bank Hannibal, Mo.	commercial	2.43	2.11	396,855	22.59	50.43
150	First National Bank of Hughes Springs Texas	commercial	2.42	2.21	217,502	16.43	48.27
	New Era Bank Fredericktown, Mo.	commercial	2.42	2.41	273,519	20.01	40.60
152	Union Bank and Trust Co. Livingston, Tenn.	commercial	2.41	1.31	78,296	20.67	48.24
153	Lowry State Bank Minn.	commercial	2.40	2.34	38,783	27.04	48.81
	Tustin Community Bank Calif.	commercial	2.40	1.95	57,846	16.02	72.75
155	First Western Federal Savings Bank Rapid City, S.D.	savings	2.39	3.66	38,743	15.16	56.11
	First Whitney Bank and Trust Atlantic, Iowa	commercial	2.39	2.26	168,736	23.98	29.07
157	NewFirst National Bank El Campo, Texas	commercial	2.38	2.02	460,940	24.15	59.21
158	First National Bank in Mahnomen Minn.	commercial	2.37	0.89	70,082	24.48	70.26
159	First State Bank of Forrest Ill.	commercial	2.36	2.08	124,163	22.88	44.38
	Union Bank of Mena Ark.	commercial	2.36	2.24	182,650	24.37	58.35
161	State Bank in Eden Valley Minn.	commercial	2.35	1.93	28,050	21.75	69.04
162	Bank of Advance Mo.	commercial	2.34	2.64	260,681	14.85	49.14
	Choice Financial Group Grafton, N.D.	commercial	2.34	1.47	595,621	22.83	49.08
	First Bank Upper Michigan Gladstone	commercial	2.34	2.37	171,827	13.46	49.62
	First State Bank of Porter Okla.	commercial	2.34	2.77	37,159	15.26	64.12
	Freedom Bank Huntingburg, Ind.	commercial	2.34	1.25	327,918	26.54	38.86
	Lake Country Community Bank Morristown, Minn.	commercial	2.34	0.09	28,790	33.65	45.58
	Murphy Bank Fresno, Calif.	commercial	2.34	2.98	112,360	13.75	49.55
	Peoples State Bank Summit, S.D.	commercial	2.34	2.40	53,145	21.95	43.27
	Wyoming Bank and Trust Cheyenne	commercial	2.34	1.74	129,289	24.85	78.62
171	Alliant Bank Madison, Mo.	commercial	2.33	1.16	110,986	20.81	64.13
	First Federal Savings and Loan Bank Olathe, Kan.	commercial	2.33	1.89	65,924	18.72	45.97
	Oak Creek Valley Bank Valparaiso, Neb.	commercial	2.33	2.41	65,489	18.87	43.04
174	Admirals Bank Boston	savings	2.32	0.15	630,964	27.93	62.12
	Community Bank Longview, Texas	commercial	2.32	1.85	151,957	31.40	47.59
	First Security Bank-Sleepy Eye Minn.	commercial	2.32	1.61	194,681	16.12	51.92
	First State Bank Mendota, Ill.	commercial	2.32	-0.40	818,497	24.04	64.72
	First State Bank Louise, Texas	commercial	2.32	2.12	289,482	25.54	56.37
	Liberty State Bank Powers Lake, N.D.	commercial	2.32	2.18	60,759	24.26	37.46
180	Exchange Bank Gibbon, Neb.	commercial	2.31	2.14	414,284	22.56	35.92
	Exchange Bank and Trust Co. Perry, Okla.	commercial	2.31	2.01	220,983	25.16	49.21
	Lamar Bank and Trust Co. Mo.	commercial	2.31	2.39	128,979	24.16	48.23
183	Access Bank Omaha, Neb.	commercial	2.30	0.92	143,336	19.44	71.98
	Central State Bank Clayton, Ill.	commercial	2.30	3.11	98,246	15.32	46.84
	City National Bank and Trust Co. of Lawton Okla.	commercial	2.30	2.51	293,203	18.49	73.88
186	Crockett National Bank San Angelo, Texas	commercial	2.29	2.48	417,135	21.54	71.42
	Farmers and Merchants State Bank Plankinton, S.D.	commercial	2.29	2.54	82,155	23.71	42.44
	Farmers State Bank of Adams Minn.	commercial	2.29	2.08	79,625	20.30	45.47
189	Buffalo Ridge Bank Beardsley, Minn.	commercial	2.28	1.83	42,495	26.67	48.09
	CedarStone Bank Lebanon, Tenn.	commercial	2.28	0.64	167,092	25.81	83.49
	Waukon State Bank Iowa	commercial	2.28	1.94	221,084	17.55	41.62
192	Farmers State Bank Allen Okla.	commercial	2.27	1.54	41,247	21.30	55.52
	First Bank Blue Earth Minn.	commercial	2.27	1.67	163,312	20.40	44.37
	Mississippi River Bank Belle Chasse, La.	commercial	2.27	1.79	149,608	18.68	50.31
195	Central State Bank State Center, Iowa	commercial	2.26	1.19	172,857	17.35	47.43
	Midwest Bank Detroit Lakes, Minn.	commercial	2.26	2.42	310,272	25.23	51.01
	Vermillion State Bank Minn.	commercial	2.26	2.14	491,040	18.22	22.18
198	Citizens State Bank Okemah, Okla.	commercial	2.25	2.68	243,001	24.26	38.25
	Great Plains National Bank Belfield, N.D.	commercial	2.25	2.03	172,559	24.19	38.38
	PrinsBank Prinsburg, Minn.	commercial	2.25	1.28	112,440	24.80	50.91

Note: Independent banks and thrifts operating as of Sept. 7, 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