© 2026 Arizent. All rights reserved.
Market Intelligence:
AI
Payments
All Research
Industry Data
Community banking

Community Banks with the Highest Returns on Average Assets

Published February 27, 2013, 3:44 p.m. EST
|
Updated February 27, 2013, 2:44 p.m. EST
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 AssetsYear to date through Sept. 30, 2012. Dollars in thousands
Published February 27, 2013
Rank   Type of
institution		 Return on avg. assets Assets Return on avg. equity Efficiency ratio
3Q 2012 3Q 2011
1 Federal Savings Bank Overland Park, Kan. savings 12.92% 7.13% $214,569 135.29% 67.26%
2 State Bank of Blue Mound Ill. commercial 11.28 0.03 34,308 213.97 29.17
3 Triumph Savings Bank SSB Dallas savings 8.51 -1.87 285,924 49.33 85.64
4 BNC National Bank Glendale, Ariz. commercial 7.37 1.29 739,686 63.42 53.94
5 Benchmark Bank Plano, Texas commercial 6.61 3.20 361,861 53.37 62.81
6 Continental Bank Salt Lake City commercial 6.43 11.34 106,887 23.84 30.56
7 Northwest Bank Boise, Idaho commercial 6.38 0.68 219,020 28.33 36.28
8 West Gate Bank Lincoln, Neb. commercial 6.07 0.99 331,637 55.80 31.17
9 Focus Business Bank San Jose, Calif. commercial 5.68 0.57 189,612 41.76 81.87
10 Regional Missouri Bank Marceline commercial 5.13 1.83 152,241 54.06 27.54
11 First Credit Bank Los Angeles commercial 5.08 3.34 428,009 16.84 17.20
12 First Federal Savings Bank of Boston savings 5.04 -0.25 82,825 30.10 79.71
13 Main Street Bank Bingham Farms, Mich. commercial 5.03 2.35 133,417 56.23 66.22
14 RepublicBankAz Phoenix commercial 5.02 2.08 78,146 41.97 55.30
15 First Western Federal Savings Bank Rapid City, S.D. savings 4.75 3.83 36,852 29.37 47.29
16 Live Oak Banking Co. Wilmington, N.C. commercial 4.73 6.09 320,748 42.14 62.41
17 Xenith Bank Richmond, Va. commercial 4.46 6.69 557,215 28.73 72.11
18 Wells Bank of Platte City Mo. commercial 4.43 2.42 95,458 44.75 44.97
19 Bank of England Ark. commercial 4.42 2.54 279,069 41.73 75.01
20 Peoples State Bank Cherryvale, Kan. commercial 4.40 4.34 16,485 16.04 42.51
State Bank of Texas Dallas commercial 4.40 1.10 501,667 24.00 25.57
22 Volunteer State Bank Portland, Tenn. commercial 4.39 1.72 405,915 49.00 61.73
23 Bank of Milton Wis. commercial 4.28 1.48 93,724 54.63 37.44
24 Goodfield State Bank Ill. commercial 4.27 4.23 74,302 32.65 37.13
25 First Sound Bank Seattle commercial 4.26 -12.12 135,351 118.35 62.89
26 ACB Bank Cherokee, Okla. commercial 4.13 2.25 71,567 42.84 42.93
27 Trust Company Bank Mason, Tenn. commercial 4.09 -4.16 35,872 33.38 79.95
28 Crescent Bank and Trust New Orleans commercial 4.08 2.12 737,072 37.52 58.38
29 Guardian Savings Bank FSB West Chester, Ohio savings 3.97 2.67 803,940 48.55 34.97
30 1st Security Bank of Washington Mountlake Terrace savings 3.89 0.33 341,201 35.15 69.34
31 Anchor D Bank Texhoma, Okla. commercial 3.86 2.11 171,408 36.96 57.53
32 Clayton Bank and Trust Knoxville, Tenn. commercial 3.72 1.34 716,628 28.07 34.96
33 Bank of Commerce Duncan, Okla. commercial 3.70 -0.11 153,854 32.40 30.59
34 Citizens State Bank of La Crosse Wis. commercial 3.67 3.44 119,223 42.35 42.66
35 First Financial Bank El Dorado, Ark. commercial 3.66 3.48 811,955 37.00 48.27
First National Bank of Volga S.D. commercial 3.66 0.40 45,449 33.94 40.37
37 Ameristate Bank Atoka, Okla. commercial 3.57 0.50 190,042 36.77 49.62
Leader Bank Arlington, Mass. commercial 3.57 0.82 589,833 29.52 30.43
39 Bank of Prague Neb. commercial 3.51 3.42 21,139 21.30 36.94
Quontic Bank Great Neck, N.Y. savings 3.51 0.29 111,813 26.68 63.25
41 Peoples Community Bank Greenville, Mo. commercial 3.50 3.50 148,547 22.87 39.51
42 TexasBank Brownwood commercial 3.45 3.48 286,468 25.15 49.06
43 American Trust Bank of East Tennessee Knoxville commercial 3.38 0.54 128,307 31.02 72.93
44 First State Bank Russellville, Ark. commercial 3.30 0.61 188,047 28.39 38.51
Proficio Bank Cottonwood Heights, Utah commercial 3.30 -12.84 304,162 45.74 90.65
46 Bank 7 Oklahoma City commercial 3.29 6.35 251,402 34.58 42.69
Citizens State Bank Okemah, Okla. commercial 3.29 2.22 327,425 31.42 25.66
48 Points West Community Bank Julesburg, Colo. commercial 3.28 4.15 195,427 31.14 35.75
49 Iowa State Savings Bank Knoxville commercial 3.27 -0.62 110,647 37.75 44.35
50 Haverford Trust Co. Radnor, Pa. commercial 3.25 2.76 101,859 17.91 84.32
51 Victory Community Bank Lakeside Park, Ky. savings 3.24 1.74 156,965 24.27 43.11
52 Prime Bank Edmond, Okla. commercial 3.23 2.82 161,337 34.76 39.19
53 Bank of Galesville Wis. commercial 3.21 2.52 82,707 19.70 48.40
54 Enterprise Bank of Florida North Palm Beach commercial 3.20 5.90 259,299 23.16 63.45
First State Bank Yukon, Okla. commercial 3.20 1.60 21,122 37.81 64.45
56 United Community Bank of North Dakota Leeds commercial 3.19 2.55 268,917 37.30 33.88
57 Bank of Union El Reno, Okla. commercial 3.15 2.24 409,379 32.20 32.25
Charter Bank Corpus Christi, Texas commercial 3.15 2.90 228,782 36.57 47.25
Park Midway Bank St. Paul, Minn. commercial 3.15 0.67 247,273 27.35 49.97
60 Farmers and Merchants Bank of Kendall Wis. commercial 3.13 3.39 53,469 24.10 41.62
61 Firstar Bank Sallisaw, Okla. commercial 3.11 2.32 404,491 30.80 67.46
Sweet Water State Bank Ala. commercial 3.11 1.31 85,414 31.34 69.27
63 Crestmark Bank Troy, Mich. commercial 3.09 3.26 407,097 25.57 60.37
64 First Financial Bank in Winnebago Minn. commercial 3.08 1.77 42,080 19.57 44.48
St. Martin Bank and Trust Co. St. Martinville, La. commercial 3.08 2.87 377,072 26.33 47.41
66 Grant County State Bank Carson, N.D. commercial 3.07 1.91 34,053 31.19 40.00
Pacific Enterprise Bank Irvine, Calif. commercial 3.07 1.02 291,586 28.40 37.59
West Town Savings Bank Cicero, Ill. savings 3.07 0.87 134,313 32.30 75.02
69 Great Plains National Bank Elk City, Okla. commercial 3.03 2.66 425,920 32.76 54.28
Peoples National Bank Colorado Springs, Colo. commercial 3.03 2.38 222,828 28.18 79.41
71 Corydon State Bank Iowa commercial 2.99 4.00 86,541 19.69 18.33
Murphy Bank Fresno, Calif. commercial 2.99 2.40 113,950 17.59 46.99
73 Bank of Glen Ullin N.D. commercial 2.98 2.61 46,613 26.09 35.83
Brunswick State Bank Neb. commercial 2.98 2.86 81,593 30.82 39.63
Waggoner National Bank of Vernon Texas commercial 2.98 1.92 256,608 20.52 42.47
76 Bank of Hemet Riverside, Calif. commercial 2.97 2.44 447,090 24.76 42.88
77 State Bank of Colon Neb. commercial 2.94 0.24 16,947 23.34 97.03
78 Farmers and Merchants State Bank of Pierz Minn. commercial 2.93 2.86 167,522 25.94 47.66
79 Cowboy Bank of Texas Maypearl commercial 2.92 2.74 55,209 32.30 51.74
80 Yellowstone Bank Laurel, Mont. commercial 2.90 2.77 445,322 15.67 42.24
81 First State Bank of Beecher City Ill. commercial 2.87 2.33 65,489 22.73 45.01
Heritage State Bank Lawrenceville, Ill. commercial 2.87 2.84 76,413 30.48 47.16
83 Bank of Baker Mont. commercial 2.84 2.74 127,553 32.73 34.63
First Bank of Chandler Okla. commercial 2.84 2.30 80,834 27.67 39.96
Peoples Community State Bank Doniphan, Mo. commercial 2.84 3.12 128,907 18.10 40.06
86 Bank of Advance Mo. commercial 2.83 2.66 263,818 17.18 44.01
Lowry State Bank Minn. commercial 2.83 3.14 40,992 31.71 45.71
88 Security State Bank Sutherland, Iowa commercial 2.79 2.55 90,030 32.97 35.39
89 Central State Bank Clayton, Ill. commercial 2.78 3.75 98,463 18.21 48.65
Nebraska State Bank Oshkosh commercial 2.78 2.00 49,358 31.08 44.83
91 First National Bank Fabens, Texas commercial 2.77 2.16 313,213 29.75 50.00
92 Bank of Deerfield Wis. commercial 2.76 2.41 105,318 20.28 55.66
93 Charter Bank Eau Claire Wis. commercial 2.74 2.45 564,990 18.48 29.49
First Community Bank of Bedford County Shelbyville, Tenn. commercial 2.74 2.17 339,050 20.24 63.55
NOA Bank Duluth, Ga. commercial 2.74 1.59 129,551 19.93 54.05
96 Peoples State Bank Blair, Okla. commercial 2.73 2.30 17,763 29.26 58.16
Provincial Bank Lakeville, Minn. commercial 2.73 1.44 70,452 24.47 65.76
98 Farmers and Merchants State Bank Plankinton, S.D. commercial 2.72 2.57 86,336 28.00 40.61
State Bank of New Richland Minn. commercial 2.72 2.94 94,313 27.25 33.86
100 Riverside Bank Sparkman, Ark. commercial 2.71 3.13 56,904 29.90 46.73
101 CFG Community Bank Lutherville, Md. commercial 2.70 -3.42 428,479 21.15 68.82
Charter West National Bank West Point, Neb. commercial 2.70 2.42 196,022 26.59 61.72
Douglas National Bank Ga. commercial 2.70 1.22 137,132 19.84 50.63
Metro City Bank Doraville, Ga. commercial 2.70 1.50 455,806 21.45 48.56
105 First Bank of Berne Ind. commercial 2.68 2.75 522,588 29.04 45.02
Vermont State Bank Ill. commercial 2.68 1.19 15,650 26.25 56.72
107 American State Bank Sioux Center, Iowa commercial 2.67 2.39 575,928 23.78 40.40
108 Commercial State Bank of Wagner S.D. commercial 2.65 2.82 129,380 23.04 40.52
Crescom Bank Charleston, S.C. commercial 2.65 0.95 840,297 30.66 50.96
Payne County Bank Perkins, Okla. commercial 2.65 2.87 130,371 13.55 45.35
111 CheckSpring Bank Bronx, N.Y. commercial 2.63 2.92 81,339 21.78 64.19
First National Bank of Waseca Minn. commercial 2.63 2.02 107,382 23.88 56.51
Home Bank of California San Diego commercial 2.63 2.11 123,070 15.90 53.51
114 Ruby Valley National Bank Twin Bridges, Mont. commercial 2.62 2.89 78,271 17.94 48.49
115 Quail Creek Bank Oklahoma City commercial 2.61 2.26 501,972 27.54 44.43
116 HNB National Bank Hannibal, Mo. commercial 2.60 2.38 394,697 22.61 49.18
New Era Bank Fredericktown, Mo. commercial 2.60 2.36 273,864 20.92 38.53
118 Farmers Savings Bank Colesburg, Iowa commercial 2.59 1.98 163,973 27.49 39.04
Town and Country Bank of Quincy Ill. commercial 2.59 2.50 101,995 21.65 56.05
120 First American Bank Stonewall, Okla. commercial 2.58 2.92 24,992 23.69 54.43
Freedom Bank Huntingburg, Ind. commercial 2.58 1.44 327,429 28.66 36.07
Great Plains Bank Eureka, S.D. commercial 2.58 2.60 98,928 27.54 37.51
123 North Valley Bank Redding, Calif. commercial 2.57 0.84 889,364 20.66 78.52
Prairie Sun Bank Milan, Minn. commercial 2.57 1.52 32,156 34.62 80.97
Security First Bank of North Dakota New Salem commercial 2.57 2.14 156,246 24.83 50.18
126 Citizens State Bank of Waverly Minn. commercial 2.56 1.62 60,563 26.42 50.85
Heartland Bank Bryant, Ark. commercial 2.56 2.28 184,602 16.57 52.12
Morris State Bank Okla. commercial 2.56 2.71 66,649 29.09 53.11
129 State Bank of Lima Ill. commercial 2.55 2.46 32,329 20.96 34.07
130 First National Bank of Northern California South San Francisco commercial 2.54 0.67 897,683 21.65 52.19
131 Oak Creek Valley Bank Valparaiso, Neb. commercial 2.52 2.92 65,123 20.15 32.83
132 First State Bank of Forrest Ill. commercial 2.51 2.29 126,610 24.24 42.56
Marlin Business Bank Salt Lake City commercial 2.51 2.08 430,818 15.14 51.86
134 Bank of Manhattan El Segundo, Calif. commercial 2.49 -1.44 465,258 21.06 78.14
Bank of Morton Miss. commercial 2.49 0.55 59,231 18.63 56.95
Choice Financial Group Grafton, N.D. commercial 2.49 1.80 616,146 23.25 47.17
First State Bank Barboursville, W.Va. commercial 2.49 1.31 308,193 31.42 41.38
Five Star Bank Sacramento, Calif. commercial 2.49 2.05 523,220 25.14 44.08
139 FirstBank Antlers, Okla. commercial 2.48 2.35 227,808 29.68 67.33
Prime Alliance Bank Woods Cross, Utah commercial 2.48 1.17 104,422 16.31 35.54
141 CCB Community Bank Andalusia, Ala. commercial 2.47 2.06 421,047 22.66 48.86
First State Bank Scottsbluff, Neb. commercial 2.47 1.89 228,161 27.90 54.35
Luana Savings Bank Iowa commercial 2.47 2.16 478,455 24.41 31.94
Midwest Bank Detroit Lakes, Minn. commercial 2.47 2.25 315,541 27.00 48.04
NewFirst National Bank El Campo, Texas commercial 2.47 2.00 480,532 24.29 53.32
146 First Bank Upper Michigan Gladstone commercial 2.45 2.48 175,904 13.99 50.23
PrinsBank Prinsburg, Minn. commercial 2.45 1.21 109,942 26.38 51.13
148 Bank of Bloomsdale Mo. commercial 2.44 2.30 199,173 22.54 40.76
149 Farmers State Bank of Adams Minn. commercial 2.43 2.52 79,135 20.94 42.52
Idabel National Bank Okla. commercial 2.43 1.43 116,222 21.82 41.58
151 Bank of St. Elizabeth Mo. commercial 2.42 2.43 100,855 21.20 47.74
Senath State Bank Mo. commercial 2.42 3.43 61,964 16.09 53.28
153 Chickasha Bank and Trust Co. Okla. commercial 2.41 2.49 176,618 23.71 65.96
City Savings Bank and Trust Co. De Ridder, La. commercial 2.41 2.84 233,043 20.66 56.40
NewBank Flushing, N.Y. commercial 2.41 1.67 145,650 20.99 41.18
Nodaway Valley Bank Maryville, Mo. commercial 2.41 2.12 789,055 21.44 46.52
157 Exchange Bank and Trust Co. Perry, Okla. commercial 2.40 1.99 225,622 25.14 49.64
First National Bank of Osakis Minn. commercial 2.40 1.80 64,568 18.76 44.99
Stock Growers Bank Napoleon, N.D. commercial 2.40 2.37 55,325 18.95 34.42
160 Bank of DeSoto Texas commercial 2.39 2.31 178,869 24.14 51.93
First Whitney Bank and Trust Atlantic, Iowa commercial 2.39 2.45 172,583 22.69 29.37
Security Bank and Trust Co. Paris, Tenn. commercial 2.39 4.27 163,734 24.50 41.02
163 Crockett National Bank San Angelo, Texas commercial 2.38 2.02 424,769 25.00 66.26
164 First Security Bank Flower Mound, Texas commercial 2.37 1.40 160,865 17.25 43.43
Golden Belt Bank, FSA Ellis, Kan. savings 2.37 2.03 133,606 18.03 52.13
166 Community Bank Longview, Texas commercial 2.35 1.98 153,677 32.17 46.39
Marion County State Bank Pella, Iowa commercial 2.35 2.46 247,706 19.29 34.93
168 Alliant Bank Madison, Mo. commercial 2.34 2.80 116,784 20.92 64.22
Exchange Bank Gibbon, Neb. commercial 2.34 2.18 440,633 23.06 32.98
Liberty Savings Bank FSB St. Cloud, Minn. savings 2.34 1.83 173,865 22.21 57.86
Ultima Bank Minnesota Winger commercial 2.34 2.37 132,279 25.48 51.98
172 The Bank Oberlin, Kan. commercial 2.33 2.31 216,348 22.40 39.00
Citizens State Bank Miles, Texas commercial 2.33 2.05 73,335 22.38 54.12
Colorado East Bank and Trust Lamar commercial 2.33 -1.23 797,747 21.93 81.55
First State Bank of Porter Okla. commercial 2.33 2.91 35,474 15.46 64.04
176 Bank of Hydro Okla. commercial 2.32 2.48 129,142 32.43 40.78
First National Bank of Hughes Springs Texas commercial 2.32 3.25 205,503 15.50 49.31
Waukon State Bank Iowa commercial 2.32 2.07 233,254 17.68 41.32
179 American Exchange Bank Elmwood, Neb. commercial 2.31 2.43 40,774 18.50 50.32
American Interstate Bank Elkhorn, Neb. commercial 2.31 2.49 111,327 26.76 40.90
Red River State Bank Halstad, Minn. commercial 2.31 1.72 46,800 19.12 52.79
Taylor County Bank Campbellsville, Ky. commercial 2.31 1.93 166,088 20.57 48.99
183 Bank of Santa Barbara Calif. commercial 2.30 1.15 118,999 19.56 76.79
Ericson State Bank Neb. commercial 2.30 1.85 54,475 24.62 40.67
Heartland State Bank Redfield, S.D. commercial 2.30 2.42 73,143 23.04 56.29
186 Bank of Montgomery La. commercial 2.29 3.15 175,272 22.49 58.55
Bank of Ontario Wis. commercial 2.29 1.83 34,027 20.21 59.10
First National Bank of Wyoming Laramie commercial 2.29 0.14 168,562 18.59 86.62
Union Bank and Trust Co. Livingston, Tenn. commercial 2.29 2.24 78,537 18.41 48.27
190 Community Pride Bank Isanti, Minn. commercial 2.28 1.39 88,601 21.72 57.13
Flanagan State Bank Ill. commercial 2.28 1.41 148,987 22.09 61.25
Sound Banking Co. Tacoma, Wash. commercial 2.28 0.49 50,582 24.78 54.53
Vermillion State Bank Minn. commercial 2.28 2.00 490,598 17.97 26.33
194 Farmers State Bank Marion, S.D. commercial 2.27 2.02 69,741 21.68 50.99
First National Bank Fort Pierre, S.D. commercial 2.27 2.11 703,314 10.61 40.28
First Security Bank-Sleepy Eye Minn. commercial 2.27 1.87 201,524 15.50 50.28
Prairie State Bank and Trust Mount Zion, Ill. commercial 2.27 2.25 676,657 23.88 50.37
Summit Community Bank Maplewood, Minn. commercial 2.27 1.18 63,641 13.24 39.32
199 Alva State Bank and Trust Co. Okla. commercial 2.26 2.34 226,348 14.07 44.75
Bank of Holly Springs Miss. commercial 2.26 1.80 192,427 15.89 58.92

 

Note: Independent banks and thrifts operating as of Dec. 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
, Charlottesville, Va.
© 2013 American Banker


Community banking