Community Banks with the Highest Returns on Average Assets

August 05, 2013, 3:11 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average AssetsYear to date through March 31, 2013. Dollars in thousands Published August 5, 2013
Rank	Company	Type of institution	Return on avg. assets		Assets	Return on avg. equity	Efficiency ratio
Rank	Company	Type of institution	1Q 2013	1Q 2012	Assets	Return on avg. equity	Efficiency ratio
1	Bank of Alameda Calif.	commercial	10.11%	0.59%	$264,347	83.29%	72.15%
2	Fortune Bank Seattle	commercial	7.51	0.16	141,362	58.15	93.25
3	Open Bank Los Angeles	commercial	7.03	12.34	220,409	51.59	70.49
4	Continental Bank Salt Lake City	commercial	6.95	8.75	131,508	29.92	23.84
5	Idaho Trust Bank Boise	commercial	6.91	1.27	74,386	29.72	75.53
6	CapStone Bank Raleigh, N.C.	commercial	6.60	0.66	370,581	58.38	30.05
7	Guardian Savings Bank FSB West Chester, Ohio	savings	5.68	4.47	815,392	64.27	33.29
8	Federal Savings Bank Overland Park, Kan.	savings	4.95	2.10	219,040	41.67	80.41
9	Farmers and Merchants State Bank of Argonia Kan.	commercial	4.91	1.30	33,127	65.16	42.35
10	Republic Bank Bountiful, Utah	commercial	4.35	4.09	609,472	34.60	10.64
11	Peoples State Bank Cherryvale, Kan.	commercial	4.33	4.08	16,796	15.27	45.96
12	Haverford Trust Co. Radnor, Pa.	commercial	4.29	2.91	105,234	22.47	81.70
13	Pan American Bank Los Angeles	commercial	4.19	-2.52	39,606	54.35	68.14
14	First Credit Bank Los Angeles	commercial	4.17	4.78	372,623	11.96	18.93
15	Northern State Bank Ashland, Wis.	commercial	4.08	1.32	232,981	47.94	34.93
16	Crescent Bank & Trust New Orleans	commercial	3.98	3.66	819,007	35.16	54.97
	Live Oak Banking Co. Wilmington, N.C.	commercial	3.98	4.64	369,447	36.48	65.89
18	Farmers and Merchants Bank of Kendall Wis.	commercial	3.91	1.32	54,354	29.47	40.42
19	Valley Bank Fort Lauderdale, Fla.	commercial	3.77	4.56	107,878	64.57	43.05
20	Goodfield State Bank Ill.	commercial	3.72	4.02	74,555	25.89	41.99
21	NewBank Flushing, N.Y.	commercial	3.70	1.99	165,518	30.95	33.03
22	Victory Community Bank Lakeside Park, Ky.	savings	3.61	3.86	163,550	30.22	39.12
23	TexasBank Brownwood	commercial	3.58	2.45	295,964	28.52	51.75
24	Spring Valley Bank Wyoming, Ohio	commercial	3.47	2.04	73,966	9.39	38.45
25	CFG Community Bank Lutherville, Md.	commercial	3.46	3.62	593,139	31.14	59.96
26	Citizens State Bank of La Crosse Wis.	commercial	3.43	2.88	123,935	37.25	44.43
27	First National Bank in Howell Mich.	commercial	3.38	0.11	295,337	110.71	93.35
	First National Bank of Layton Utah	commercial	3.38	0.03	267,306	24.40	87.28
29	Peoples Community Bank Greenville, Mo.	commercial	3.37	3.41	155,503	20.88	38.16
30	Applied Bank Newark, Del.	commercial	3.29	1.34	176,282	14.29	50.65
31	Bank of Montgomery La.	commercial	3.28	2.41	179,277	32.26	52.69
32	Pony Express Bank Liberty, Mo.	commercial	3.27	1.72	136,101	22.74	44.54
33	PrinsBank Prinsburg, Minn.	commercial	3.21	2.78	116,593	34.02	47.40
34	First Financial Bank El Dorado, Ark.	commercial	3.20	3.12	839,675	31.89	51.06
35	Charter Bank Corpus Christi, Texas	commercial	3.17	3.16	225,697	36.52	48.44
36	Magnolia Bank Hodgenville, Ky.	commercial	3.13	1.13	133,249	26.64	69.78
37	Morris State Bank Okla.	commercial	3.07	2.67	69,867	35.25	40.78
38	Corydon State Bank Iowa	commercial	3.06	3.77	90,064	18.86	18.98
	Waggoner National Bank of Vernon Texas	commercial	3.06	2.77	257,023	22.04	44.77
40	Bank 7 Oklahoma City	commercial	3.05	2.67	285,760	34.59	42.97
41	Prime Bank Edmond, Okla.	commercial	3.02	2.78	172,967	29.98	42.47
42	Central State Bank Pleasant Hill, Ill.	commercial	3.01	2.94	103,170	19.42	44.80
43	First National Bank Fabens, Texas	commercial	2.96	2.32	319,720	31.00	44.68
	First Western Federal Savings Bank Rapid City, S.D.	savings	2.96	2.15	34,356	15.58	61.30
45	State Bank of Texas Dallas	commercial	2.95	2.14	474,453	15.12	36.99
46	Liberty Savings Bank FSB St. Cloud, Minn.	savings	2.92	0.75	193,406	29.20	57.19
47	Marlin Business Bank Salt Lake City	commercial	2.90	2.65	522,772	19.37	45.41
48	Heartland Bank Bryant, Ark.	commercial	2.86	2.49	194,361	19.94	48.39
49	KCB Bank Kearney, Mo.	commercial	2.83	1.59	213,133	26.01	44.60
50	Sunwest Bank Irvine, Calif.	commercial	2.81	1.73	685,487	22.30	43.70
	Yellowstone Bank Laurel, Mont.	commercial	2.81	2.89	463,565	15.52	41.31
52	Bank of Buffalo Ky.	commercial	2.76	2.58	72,221	24.34	32.43
	Heartland State Bank Redfield, S.D.	commercial	2.76	2.30	74,734	27.62	47.50
	Plains Commerce Bank Hoven, S.D.	commercial	2.76	1.80	462,585	18.89	53.49
	Premier Bank Rock Valley, Iowa	commercial	2.76	3.02	277,453	24.90	32.07
	Riverside Bank Sparkman, Ark.	commercial	2.76	3.05	56,780	30.14	49.06
57	Oak Creek Valley Bank Valparaiso, Neb.	commercial	2.74	2.74	68,718	22.76	28.11
58	Bank of Hemet Riverside, Calif.	commercial	2.73	2.75	461,598	22.71	46.01
	First American Bank Stonewall, Okla.	commercial	2.73	3.07	26,331	25.12	52.04
60	Taylor County Bank Campbellsville, Ky.	commercial	2.72	2.38	169,677	24.72	49.15
61	Bank of England Ark.	commercial	2.71	1.67	260,695	23.28	83.38
	First Bank of Berne Ind.	commercial	2.71	2.36	501,231	27.55	43.94
	Solon State Bank Iowa	commercial	2.71	2.72	88,368	12.55	38.91
64	Crestmark Bank Troy, Mich.	commercial	2.68	2.85	444,362	20.12	61.40
	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	2.68	2.80	416,039	25.11	49.18
66	Caldwell Bank & Trust Co. Columbia, La.	commercial	2.66	2.66	106,305	29.19	51.16
67	First National Bank of Henning Ottertail, Minn.	commercial	2.63	1.74	101,574	21.69	54.08
68	First Florida Bank Destin	commercial	2.60	1.73	218,687	20.81	64.09
69	Progressive Ozark Bank Salem, Mo.	commercial	2.58	2.10	113,703	25.04	60.63
	Security State Bank Sutherland, Iowa	commercial	2.58	2.49	94,545	28.53	36.82
	Wells Bank of Platte City Mo.	commercial	2.58	2.16	102,059	27.19	41.30
72	Bank of Hydro Okla.	commercial	2.57	2.73	122,994	32.67	39.39
73	Bank of Bloomsdale Mo.	commercial	2.56	2.59	198,048	23.03	40.15
	Great Plains National Bank Elk City, Okla.	commercial	2.56	2.59	453,826	27.11	58.39
75	Farmers and Merchants State Bank Plankinton, S.D.	commercial	2.55	2.47	84,824	26.42	45.16
	Heritage State Bank Lawrenceville, Ill.	commercial	2.55	2.39	79,409	27.24	53.01
	Murphy Bank Fresno, Calif.	commercial	2.55	2.62	126,082	15.92	52.14
	Payne County Bank Perkins, Okla.	commercial	2.55	2.95	136,357	13.54	47.72
79	Bank of Morton Miss.	commercial	2.54	2.40	60,591	18.75	53.42
80	First National Bank Fort Pierre, S.D.	commercial	2.53	2.24	723,487	11.73	40.39
	Town and Country Bank of Quincy Ill.	commercial	2.53	2.60	108,227	21.92	51.65
82	Marion County State Bank Pella, Iowa	commercial	2.51	2.43	261,671	21.87	37.41
	United Community Bank of North Dakota Leeds	commercial	2.51	2.38	284,662	28.35	41.53
84	Graham Savings and Loan SSB Texas	savings	2.49	1.10	125,217	22.63	44.21
85	ACB Bank Cherokee, Okla.	commercial	2.48	2.61	75,981	27.13	46.04
	Metro City Bank Doraville, Ga.	commercial	2.48	1.95	498,463	20.23	38.40
	Proficio Bank Cottonwood Heights, Utah	commercial	2.48	1.77	206,271	20.15	95.37
	State Bank of New Richland Minn.	commercial	2.48	2.87	89,624	24.81	35.50
89	Chesapeake Bank & Trust Co. Chestertown, Md.	commercial	2.47	1.57	100,395	24.22	44.19
	F&C Bank Holden, Mo.	commercial	2.47	1.42	127,673	20.73	58.35
	Freedom Bank Huntingburg, Ind.	commercial	2.47	2.25	337,614	26.21	39.91
	Peoples State Bank McDonald, Kan.	commercial	2.47	3.20	133,176	29.16	44.56
93	VisionBank St. Louis Park, Minn.	commercial	2.44	0.43	31,290	19.06	55.40
94	Bank of Nebraska La Vista	commercial	2.43	2.06	133,530	23.00	65.76
	Charter Bank Eau Claire Wis.	commercial	2.43	2.43	565,172	16.58	34.88
	Southwest Capital Bank Las Vegas, N.M.	commercial	2.43	2.48	207,363	24.58	46.84
97	Bank of Galesville Wis.	commercial	2.42	2.78	84,489	14.23	54.77
	Eastern Savings Bank FSB Hunt Valley, Md.	savings	2.42	-2.89	465,225	40.27	62.48
	Peoples Community State Bank Doniphan, Mo.	commercial	2.42	2.70	128,894	13.96	47.55
100	Crockett National Bank San Angelo, Texas	commercial	2.40	1.94	433,730	23.60	72.41
	First Farmers & Merchants National Bank Fairmont, Minn.	commercial	2.40	2.03	91,177	18.81	51.04
102	Nebraska State Bank Oshkosh	commercial	2.39	1.92	49,895	26.21	49.13
103	West Gate Bank Lincoln, Neb.	commercial	2.38	1.45	362,429	19.28	59.49
104	Peoples State Bank Summit, S.D.	commercial	2.37	2.22	55,638	20.65	41.92
105	Bank of Glen Ullin N.D.	commercial	2.36	2.01	45,596	20.93	39.63
	Farmers and Merchants State Bank of Pierz Minn.	commercial	2.36	2.52	173,245	21.53	50.39
	Noah Bank Elkins Park, Pa.	commercial	2.36	-0.19	246,847	28.64	52.52
108	Prime Alliance Bank Woods Cross, Utah	commercial	2.35	0.40	143,814	17.96	48.96
	Security Bank Tulsa, Okla.	commercial	2.35	1.70	442,082	22.53	30.17
110	Bellevue State Bank Iowa	commercial	2.34	3.80	85,784	20.15	39.37
	Coffee County Bank Manchester, Tenn.	commercial	2.34	1.20	121,741	19.67	48.73
	Farmers Exchange Bank Cherokee, Okla.	commercial	2.34	2.69	194,483	23.62	41.67
	Farmers State Bank Allen Okla.	commercial	2.34	2.02	42,840	21.49	56.70
	New Era Bank Fredericktown, Mo.	commercial	2.34	2.54	265,768	18.57	41.68
	Security State Bank Farwell, Texas	commercial	2.34	2.02	111,451	18.79	33.27
116	Exchange Bank Gibbon, Neb.	commercial	2.33	2.26	463,308	22.50	38.74
	First State Bank Boise City, Okla.	commercial	2.33	2.35	57,615	31.02	50.58
	Justin State Bank Texas	commercial	2.33	2.27	69,381	18.19	57.13
119	First State Bank of Beecher City Ill.	commercial	2.32	1.86	70,152	18.53	45.09
120	Community Bank Longview, Texas	commercial	2.31	2.42	164,417	30.33	45.88
	Red River State Bank Halstad, Minn.	commercial	2.31	2.25	45,779	19.96	50.43
122	Bank of Advance Mo.	commercial	2.29	2.41	299,705	15.93	50.98
	Choice Financial Group Grafton, N.D.	commercial	2.29	2.86	630,676	21.75	49.03
	Cumberland Security Bank Somerset, Ky.	commercial	2.29	2.13	162,424	17.26	54.30
	First National Bank of Picayune Miss.	commercial	2.29	1.87	205,121	18.51	53.72
	Pacific Enterprise Bank Irvine, Calif.	commercial	2.29	1.36	293,628	20.17	47.28
127	Commercial State Bank of Wagner S.D.	commercial	2.28	0.14	132,404	18.84	44.37
	EvaBank Cullman, Ala.	commercial	2.28	2.03	337,196	23.49	43.49
	RidgeStone Bank Brookfield, Wis.	commercial	2.28	0.20	395,803	20.43	47.22
	Security First National Bank of Hugo Okla.	commercial	2.28	2.23	104,158	29.57	47.28
131	Farmers State Bank Waterloo, Iowa	commercial	2.26	2.34	485,674	27.61	53.61
	Sentry Bank St. Joseph, Minn.	commercial	2.26	1.64	162,286	16.39	44.12
133	Bank of Doniphan Neb.	commercial	2.25	0.62	100,774	22.31	53.87
	Coleman County State Bank Coleman, Texas	commercial	2.25	2.62	92,972	24.04	56.32
	Homeland Federal Savings Bank Columbia, La.	savings	2.25	1.97	162,612	21.94	56.35
136	American State Bank Sioux Center, Iowa	commercial	2.24	2.58	623,281	19.36	42.03
	Community Bank of the Bay Oakland, Calif.	commercial	2.24	0.78	163,204	19.59	88.32
	Midwest Bank Detroit Lakes, Minn.	commercial	2.24	2.07	336,478	24.16	49.29
	Milledgeville State Bank Ill.	commercial	2.24	2.17	93,568	17.51	43.55
	Port Richmond Savings Philadelphia	savings	2.24	2.37	65,735	14.79	46.66
141	First State Bank Commerce, Okla.	commercial	2.23	1.35	12,923	22.97	62.81
	FirstBank Antlers, Okla.	commercial	2.23	2.58	231,413	25.94	68.40
143	Bank of DeSoto Texas	commercial	2.22	2.49	178,075	21.86	58.45
	Lowry State Bank Minn.	commercial	2.22	1.69	41,928	24.14	50.08
	Monterey County Bank Monterey, Calif.	commercial	2.22	-2.78	216,486	38.76	64.36
	Verus Bank of Commerce Fort Collins, Colo.	commercial	2.22	1.79	258,007	15.93	31.30
147	Holladay Bank & Trust Salt Lake City	commercial	2.21	-0.04	47,980	18.03	57.75
	Quail Creek Bank Oklahoma City	commercial	2.21	2.40	526,510	23.49	47.28
149	Commercial Capital Bank Delhi, La.	commercial	2.20	1.98	56,345	21.90	55.56
	Coulee Bank La Crosse, Wis.	commercial	2.20	1.96	283,804	21.39	48.23
	Douglas National Bank Ga.	commercial	2.20	0.81	144,257	15.86	55.14
	First Federal Savings and Loan Bank Olathe, Kan.	commercial	2.20	0.96	65,343	16.77	46.09
	First State Bank of Porter Okla.	commercial	2.20	2.36	36,413	13.82	65.94
	High Plains Bank Keyes, Okla.	commercial	2.20	1.83	64,186	18.73	50.07
155	Commonwealth Business Bank Los Angeles	commercial	2.19	1.65	500,992	18.31	50.24
	First State Bank Scottsbluff, Neb.	commercial	2.19	1.86	226,352	24.25	45.45
	Frontier Bank Madison, Neb.	commercial	2.19	1.02	197,708	19.97	43.83
	Grinnell State Bank Iowa	commercial	2.19	0.66	270,553	20.14	57.44
	Volunteer State Bank Portland, Tenn.	commercial	2.19	2.17	404,954	22.06	68.91
160	Bank of the West Thomas, Okla.	commercial	2.18	2.07	130,613	18.88	54.10
	Cowboy Bank of Texas Maypearl	commercial	2.18	2.18	55,377	23.62	58.14
	First Iowa State Bank Albia	commercial	2.18	1.79	138,964	14.80	42.28
	Security Bank Odessa, Texas	commercial	2.18	2.01	779,792	19.33	55.55
164	Alva State Bank & Trust Co. Okla.	commercial	2.17	1.99	230,140	14.45	43.54
	Bank of Alma Wis.	commercial	2.17	1.89	196,405	6.43	19.17
	First National Bank of Bangor Wis.	commercial	2.17	2.40	203,877	10.93	24.19
	Mainland Bank Texas City, Texas	commercial	2.17	-0.45	105,829	26.61	56.33
	NewFirst National Bank El Campo, Texas	commercial	2.17	1.96	494,305	21.46	59.62
169	Great Plains Bank Eureka, S.D.	commercial	2.16	2.37	95,624	21.76	41.83
	Security Bank and Trust Co. Paris, Tenn.	commercial	2.16	2.58	169,959	22.51	42.28
171	Kansas State Bank of Manhattan	commercial	2.15	2.17	949,444	23.19	44.91
	Maynard Savings Bank Iowa	commercial	2.15	1.63	53,269	14.68	41.99
173	First State Bank of Bedias Texas	commercial	2.14	1.87	147,571	17.28	44.21
	Peoples State Bank Blair, Okla.	commercial	2.14	2.30	16,585	23.89	62.32
	Union Bank of Blair Wis.	commercial	2.14	2.32	83,447	20.62	48.83
176	Citizens State Bank Miles, Texas	commercial	2.13	2.03	82,830	20.22	55.35
	Luana Savings Bank Iowa	commercial	2.13	3.06	509,140	20.71	36.66
	West Town Savings Bank Cicero, Ill.	savings	2.13	2.45	148,106	20.56	82.32
179	Alliant Bank Madison, Mo.	commercial	2.12	1.77	116,569	19.16	65.98
	Bank of Baker Mont.	commercial	2.12	2.25	139,077	24.56	46.05
	Commercial Bank of Mott N.D.	commercial	2.12	0.69	86,576	20.00	39.35
	First Bank Upper Michigan Gladstone	commercial	2.12	2.25	166,235	11.31	55.03
	First Farmers & Merchants National Bank Luverne, Minn.	commercial	2.12	2.29	160,515	16.30	63.35
	Grand Bank for Savings FSB Hattiesburg, Miss.	savings	2.12	1.63	117,249	19.43	68.91
	Texas Star Bank SSB Lott	savings	2.12	1.64	99,178	26.33	49.06
186	Bank of Wyandotte Okla.	commercial	2.11	1.25	13,210	22.12	71.59
	First Bank of Chandler Okla.	commercial	2.11	2.42	83,250	20.93	49.30
	Union Bank of Mena Ark.	commercial	2.11	2.26	191,058	20.53	61.09
189	First National Bank South Alma, Ga.	commercial	2.10	1.31	309,754	15.74	50.22
	Heartland Bank St. Louis	savings	2.10	0.58	811,479	20.93	74.60
	HNB National Bank Hannibal, Mo.	commercial	2.10	1.79	413,985	20.04	54.53
192	Bank of Tescott Kan.	commercial	2.09	1.93	313,853	18.48	41.95
	City Savings Bank & Trust Co. De Ridder, La.	commercial	2.09	2.24	247,265	18.54	59.75
	Fife Commercial Bank Wash.	commercial	2.09	1.90	85,391	16.84	55.85
195	Bank of Mauston Wis.	commercial	2.08	2.11	260,820	18.12	45.48
	Basile State Bank La.	commercial	2.08	2.09	54,533	21.49	61.39
	Franklin State Bank & Trust Co. Winnsboro, La.	commercial	2.08	1.28	138,974	24.09	58.64
	Pacific City Bank Los Angeles	commercial	2.08	1.31	652,511	18.42	55.76
199	De Witt Bank & Trust Co. Iowa	commercial	2.07	2.40	135,327	20.28	56.21
200	Commercial National Bank of Brady Texas	commercial	2.06	1.93	130,582	15.15	52.04
	First State Bank Ida Grove, Iowa	commercial	2.06	2.62	142,736	21.17	41.69
	NOA Bank Duluth, Ga.	commercial	2.06	1.08	135,026	15.04	66.59
	Prairie State Bank and Trust Mount Zion, Ill.	commercial	2.06	2.27	687,946	21.45	52.44

Note: Independent banks and thrifts operating as of June 14, 2013, 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