Community Banks with the Highest Returns on Average Assets

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Community Banks with the Highest Returns on Average Assets

Community Banks with the Highest Returns on Average AssetsYear to date through Sept. 30, 2013. Dollars in thousands
Published February 5, 2014

Rank Company Type of
institution
Return on
avg. assets
Total
assets
Return on
avg. equity
Efficiency
ratio
3Q 2013 3Q 2012
1 Royal Savings Bank Chicago savings 22.35% 0.59% $111,807 116.49% 75.86%
2 First Central Savings Bank Glen Cove, N.Y. savings 14.99 0.67 533,493 160.14 93.34
3 Pinnacle Bank Morgan Hill, Calif. commercial 13.27 0.26 188,238 120.87 91.79
4 Pacific Commerce Bank Los Angeles commercial 10.90 0.37 165,519 72.50 93.86
5 Continental Bank Salt Lake City commercial 8.11 6.43 140,558 39.94 27.51
6 First Community Financial Bank Plainfield, Ill. commercial 6.97 1.66 848,542 58.09 64.81
7 Pacific City Bank Los Angeles commercial 6.90 1.12 730,739 58.61 56.23
8 Uniited Bank Springdale, Ark. savings 6.83 1.68 142,218 44.04 72.19
9 Apollo Bank Miami commercial 6.50 0.38 256,719 61.99 91.32
10 First Credit Bank Los Angeles commercial 6.26 5.08 372,882 16.15 13.18
11 Village Bank St. Francis, Miss. commercial 6.24 -0.61 164,646 103.38 73.53
12 OmniBank Jackson, Miss. commercial 6.06 -1.02 47,999 52.03 111.47
13 Peoples State Bank Cherryvale, Kan. commercial 5.37 4.40 15,643 18.53 34.11
14 PrinsBank Prinsburg, Minn. commercial 5.15 2.45 121,693 49.61 34.26
15 Home Federal Savings Bank Rochester, Minn. savings 4.75 0.52 562,227 37.77 71.68
16 Abbeville Building & Loan La. savings 4.63 1.22 54,929 18.59 38.68
17 State Bank of Texas Dallas commercial 4.56 4.40 428,077 22.69 24.33
18 Community Bank of Pickens County Jasper, Ga. commercial 4.44 0.35 332,670 77.08 59.86
19 Live Oak Banking Co. Wilmington, N.C. commercial 4.31 4.73 426,905 42.11 67.32
20 Merchants & Planters Bank Bolivar, Tenn. commercial 4.26 1.00 89,683 35.54 48.61
21 Wells Bank of Platte City Mo. commercial 3.75 4.43 101,632 41.32 33.77
22 Bank of Prague Neb. commercial 3.70 3.51 22,282 23.40 37.83
23 Spring Valley Bank Wyoming, Ohio commercial 3.67 1.05 74,509 9.78 34.40
24 Crockett National Bank San Angelo, Texas commercial 3.64 2.38 422,727 38.08 62.70
25 Republic Bank Bountiful, Utah commercial 3.58 3.79 504,883 29.44 15.79
26 Charter Bank Corpus Christi, Texas commercial 3.48 3.15 220,724 44.29 49.67
  Haverford Trust Co. Radnor, Pa. commercial 3.48 3.25 108,330 18.29 85.87
28 Peoples Community Bank Greenville, Mo. commercial 3.44 3.50 162,648 22.78 39.09
29 Ameristate Bank Atoka, Okla. commercial 3.35 3.57 193,337 35.12 56.15
30 Bank 1440 Phoenix commercial 3.29 0.66 81,296 25.27 61.01
31 First Bank Blue Earth Minn. commercial 3.28 1.97 173,157 31.00 44.65
32 First Bank of Owasso Okla. commercial 3.25 1.74 229,401 28.19 44.17
33 TexasBank Brownwood commercial 3.24 3.45 332,557 26.04 48.55
34 First State Bank Valliant, Okla. commercial 3.19 0.92 44,381 27.74 87.99
  First State Bank of Porter Okla. commercial 3.19 2.33 33,775 19.07 56.75
36 Charter Bank Eau Claire Wis. commercial 3.17 2.74 563,696 24.37 28.36
  Bank of Buffalo Ky. commercial 3.17 2.06 72,033 28.24 29.55
38 Crestmark Bank Troy, Mich. commercial 3.15 3.09 472,842 23.66 55.06
39 Grant County State Bank Carson, N.D. commercial 3.14 3.07 33,410 30.25 38.93
40 Parkway Bank Rogers, Ark. commercial 3.13 0.96 123,772 26.10 78.14
41 Provincial Bank Lakeville, Minn. commercial 3.12 2.73 71,268 25.72 60.50
42 NOA Bank Duluth, Ga. commercial 3.11 2.74 146,386 23.98 54.36
43 First Bank of Chandler Okla. commercial 3.09 2.84 84,365 30.35 35.78
44 Corydon State Bank Iowa commercial 3.08 2.99 91,732 19.11 19.51
45 Riverside Bank Sparkman, Ark. commercial 3.06 2.71 56,066 32.44 47.03
46 First National Bank of Picayune Miss. commercial 3.05 2.09 202,724 25.09 47.21
  Prime Bank Edmond, Okla. commercial 3.05 3.23 193,538 32.81 37.38
48 Heartland Bank Bryant, Ark. commercial 3.02 2.56 193,664 21.74 47.96
49 Main Street Bank Bingham Farms, Mich. commercial 3.01 5.03 155,678 33.14 59.64
50 Guardian Savings Bank FSB West Chester, Ohio savings 3.00 3.97 815,767 32.49 33.22
  Citizens State Bank of La Crosse Wis. commercial 3.00 3.67 130,623 33.11 46.98
52 Summit Community Bank Maplewood, Minn. commercial 2.99 2.27 66,240 17.11 46.85
53 Marlin Business Bank Salt Lake City commercial 2.96 2.51 591,540 20.55 44.90
  Murphy Bank Fresno, Calif. commercial 2.96 2.99 138,402 19.55 45.98
55 Premier Bank Rock Valley, Iowa commercial 2.88 2.10 284,365 26.21 30.30
56 Bank 7 Oklahoma City commercial 2.87 3.29 332,816 32.93 45.86
  Bank of Glen Ullin N.D. commercial 2.87 2.98 51,040 26.65 38.73
58 Bank of Hemet Riverside, Calif. commercial 2.86 2.97 464,665 24.16 44.46
  First American Bank Stonewall, Okla. commercial 2.86 2.58 25,873 25.18 53.71
60 Normangee State Bank Texas commercial 2.84 2.39 100,096 21.39 30.29
61 Oak Creek Valley Bank Valparaiso, Neb. commercial 2.82 2.52 73,141 27.80 26.27
  Yellowstone Bank Laurel, Mont. commercial 2.82 2.90 470,686 15.09 43.97
63 Applied Bank Newark, Del. commercial 2.81 2.31 184,553 11.07 57.11
  St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.81 3.08 420,507 25.97 47.91
65 First State Bank Shallowater, Texas commercial 2.80 1.77 60,947 17.08 48.36
66 Cowboy Bank of Texas Maypearl commercial 2.79 2.92 56,921 30.43 50.72
67 Golden Belt Bank, FSA Ellis, Kan. savings 2.77 2.37 141,241 21.35 47.51
  Great Plains Bank Eureka, S.D. commercial 2.77 2.58 103,431 27.68 38.31
69 Texas Champion Bank Corpus Christi, Texas commercial 2.75 0.79 366,914 26.30 56.32
70 First National Bank Fabens, Texas commercial 2.73 2.77 322,223 27.20 48.10
71 Heartland State Bank Redfield, S.D. commercial 2.72 2.30 79,975 26.65 45.72
  Peoples Bank Mendenhall, Miss. commercial 2.72 2.21 227,302 28.16 52.02
  Solon State Bank Iowa commercial 2.72 1.95 87,175 12.89 40.68
  Victory Community Bank Fort Mitchell, Ky. savings 2.72 3.24 163,216 21.64 45.67
75 Goodfield State Bank Ill. commercial 2.71 4.27 82,225 20.25 54.04
  Peoples Community State Bank Doniphan, Mo. commercial 2.71 2.84 132,337 17.18 41.67
77 Commercial Bank of Mott N.D. commercial 2.70 2.22 91,304 25.84 42.66
78 Points West Community Bank Julesburg, Colo. commercial 2.69 3.28 204,583 27.82 42.94
  United Community Bank of North Dakota Leeds commercial 2.69 3.19 278,178 31.69 44.62
80 Solon State Bank Iowa commercial 2.68 2.04 442,564 25.20 29.17
81 Commercial State Bank Andrews, Texas commercial 2.67 1.67 482,969 29.40 54.40
  NewBank Flushing, N.Y. commercial 2.67 2.41 168,529 21.26 37.97
83 First Bank of Berne Ind. commercial 2.65 2.68 517,403 26.65 46.47
  Bank of Stapleton Neb. commercial 2.65 1.68 24,003 24.01 59.85
  Bank of the West Thomas, Okla. commercial 2.65 2.03 128,057 22.75 52.71
86 Bank of Advance Mo. commercial 2.64 2.83 292,031 17.62 45.52
87 Brunswick State Bank Neb. commercial 2.63 2.98 88,810 29.85 41.72
  Farmers and Merchants State Bank Plankinton, S.D. commercial 2.63 2.72 91,584 25.73 42.79
89 Home Bank of California San Diego commercial 2.61 2.63 102,727 13.08 51.23
90 Douglas National Bank Ga. commercial 2.60 2.70 143,597 19.12 50.49
91 Bank of Baker Mont. commercial 2.59 2.84 134,897 29.29 42.01
  Bank of Bloomsdale Mo. commercial 2.59 2.44 199,034 28.38 41.33
93 Security State Bank Sutherland, Iowa commercial 2.58 2.79 97,830 29.38 36.02
94 Bank of Hydro Okla. commercial 2.55 2.32 122,268 30.97 42.72
95 ACB Bank Cherokee, Okla. commercial 2.54 4.13 79,404 30.61 46.48
  American State Bank of Grygla Minn. commercial 2.54 1.85 24,268 23.63 57.48
  Gunnison Valley Bank Gunnison, Utah commercial 2.54 0.86 75,492 25.23 51.17
  Red River State Bank Halstad, Minn. commercial 2.54 2.31 44,691 20.41 46.47
  Stock Growers Bank Napoleon, N.D. commercial 2.54 2.40 56,641 20.65 36.13
100 Bank of Morton Miss. commercial 2.53 2.49 62,307 19.04 55.65
  State Bank of Industry Ill. commercial 2.53 1.88 45,139 20.21 37.13
  West Plains Bank and Trust Co. Mo. commercial 2.53 1.83 313,425 27.62 54.04
103 Choice Financial Group Grafton, N.D. commercial 2.52 2.49 660,728 23.38 49.11
  Waggoner National Bank of Vernon Texas commercial 2.52 2.98 265,177 19.08 45.46
105 Farmers and Merchants State Bank Langdon, N.D. commercial 2.51 1.83 79,448 20.84 39.37
106 First State Bank Scottsbluff, Neb. commercial 2.50 2.47 236,032 26.96 60.64
107 First Federal Savings and Loan Bank Olathe, Kan. commercial 2.49 1.75 66,822 19.12 43.24
  Liberty State Bank Powers Lake, N.D. commercial 2.49 2.23 73,187 30.98 33.40
109 Great Plains National Bank Belfield, N.D. commercial 2.48 2.16 181,059 25.89 37.08
110 Bank of Montana Missoula commercial 2.47 1.31 49,472 21.45 54.52
  Heritage State Bank Lawrenceville, Ill. commercial 2.47 2.87 74,358 24.15 53.71
112 Payne County Bank Perkins, Okla. commercial 2.46 2.65 133,286 14.03 51.53
  Venture Bank Bloomington, Minn. commercial 2.46 2.11 400,471 29.03 46.64
114 Vermillion State Bank Minn. commercial 2.44 2.28 512,698 19.82 27.92
115 Vintage Bank Waxahachie, Texas commercial 2.43 2.05 161,187 25.29 55.44
116 Nodaway Valley Bank Maryville, Mo. commercial 2.42 2.41 790,347 21.98 46.91
  Fife Commercial Bank Wash. commercial 2.42 2.00 81,797 19.91 53.43
  First National Bank & Trust of Elk City, Okla. commercial 2.42 2.04 313,151 23.43 40.61
119 Morris State Bank Okla. commercial 2.41 2.56 68,384 28.62 53.33
  EvaBank Cullman, Ala. commercial 2.41 1.76 321,226 21.57 40.00
  Freedom Bank Columbia Falls, Mont. commercial 2.41 0.53 44,532 24.13 62.46
122 First Financial Bank El Dorado, Ark. commercial 2.40 3.66 850,657 22.97 60.53
  First National Bank and Trust Co. of Okmulgee, Okla. commercial 2.40 1.62 234,488 21.23 51.41
  Security State Bank Farwell, Texas commercial 2.40 2.07 109,145 16.59 33.17
125 Pony Express Bank Liberty, Mo. commercial 2.39 1.84 133,112 16.50 52.24
126 Coleman County State Bank Coleman, Texas commercial 2.38 2.25 93,472 25.41 56.32
127 First Bank & Trust Co. Wagoner, Okla. commercial 2.37 1.62 256,043 23.25 43.79
128 Ann Arbor State Bank Mich. commercial 2.36 1.25 211,522 22.68 37.91
  City Savings Bank & Trust Co. De Ridder, La. commercial 2.36 2.41 261,661 20.97 55.36
  Farmers State Bank of Adams Minn. commercial 2.36 2.43 84,518 20.26 42.98
  Homeland Federal Savings Bank Columbia, La. savings 2.36 2.08 156,833 21.43 54.31
  Quail Creek Bank Oklahoma City commercial 2.36 2.61 531,518 26.07 47.12
133 Bank Northwest Hamilton, Mo. commercial 2.35 1.82 98,693 26.86 48.65
  Citizens State Bank Miles, Texas commercial 2.35 2.33 90,380 23.96 51.84
  Community Bank Longview, Texas commercial 2.35 2.35 218,853 28.12 43.94
  Union Bank of Mena Ark. commercial 2.35 2.24 186,508 22.34 59.88
  Winnsboro State Bank & Trust Co. La. commercial 2.35 2.28 133,035 23.17 52.71
138 Peoples State Bank Summit, S.D. commercial 2.34 2.10 56,486 20.85 41.55
139 First Western Federal Savings Bank Rapid City, S.D. savings 2.33 4.75 35,807 12.96 64.42
140 Dakota Community Bank & Trust Hebron, N.D. commercial 2.32 2.16 691,313 32.26 50.32
  Commercial Capital Bank Delhi, La. commercial 2.32 1.91 66,883 19.75 52.14
  Freedom Bank Huntingburg, Ind. commercial 2.32 2.58 335,345 24.35 40.17
  Lowry State Bank Minn. commercial 2.32 2.83 42,287 24.81 52.75
144 Harbor Community Bank Indiantown, Fla. commercial 2.31 0.25 620,824 16.51 65.92
  First National Bank Fort Pierre, S.D. commercial 2.31 2.27 719,228 10.25 39.48
  Mid America Bank & Trust Co. Dixon, Mo. commercial 2.31 1.60 142,762 20.70 48.89
147 Midwest Bank Detroit Lakes, Minn. commercial 2.30 2.47 336,734 23.84 49.11
  Union Bank & Trust Co. Livingston, Tenn. commercial 2.30 2.29 78,468 19.38 51.04
  Wyoming Bank & Trust Cheyenne commercial 2.30 2.23 137,977 22.10 82.86
150 American State Bank Sioux Center, Iowa commercial 2.29 2.67 620,236 19.63 42.40
  Commercial National Bank of Brady Texas commercial 2.29 2.02 133,063 18.26 45.66
  Farmers Savings Bank Wever, Iowa commercial 2.29 0.91 107,262 22.52 41.94
  Union State Bank Greenfield, Iowa commercial 2.29 2.01 66,366 15.05 41.60
154 First Bank & Trust Co. Duncan, Okla. commercial 2.28 1.65 562,372 18.98 53.20
155 America California Bank San Francisco commercial 2.27 0.15 137,721 18.57 51.16
  Hodge Bank & Trust Co. La. commercial 2.27 1.95 67,041 17.02 50.38
157 Farmers Bank and Trust Company Blytheville, Ark. commercial 2.26 0.90 403,462 25.42 49.58
  First State Bank of Beecher City Ill. commercial 2.26 2.87 69,320 17.17 47.34
  Mississippi River Bank Belle Chasse, La. commercial 2.26 1.93 141,865 20.76 50.52
  Security Bank and Trust Co. Paris, Tenn. commercial 2.26 2.39 174,454 24.23 40.26
  Sound Banking Co. Tacoma, Wash. commercial 2.26 2.28 44,470 22.67 57.00
  Town and Country Bank Midwest Quincy, Ill. commercial 2.26 2.59 144,496 19.50 55.12
  Welcome State Bank Minn. commercial 2.26 1.83 25,357 23.01 50.05
164 CCB Community Bank Andalusia, Ala. commercial 2.25 2.47 418,945 21.24 51.21
  Farmers and Merchants State Bank of Pierz Minn. commercial 2.25 2.93 173,423 23.05 48.41
166 T Bank Dallas commercial 2.24 1.74 131,797 16.04 78.95
  First Bank Upper Michigan Gladstone commercial 2.24 2.45 165,740 12.21 53.39
  West Texas State Bank Snyder commercial 2.24 1.71 141,888 21.95 47.14
169 Almena State Bank Kan. commercial 2.23 2.19 30,227 27.33 66.36
  First Security Bank Flower Mound, Texas commercial 2.23 2.37 173,232 17.95 47.14
171 Waukon State Bank Iowa commercial 2.22 2.32 238,259 18.10 41.63
172 First Neodesha Bank Kan. commercial 2.21 1.53 78,277 24.63 51.37
  First Federal Savings Bank of Frankfort MHC Ky. savings 2.21 1.17 240,144 11.79 45.74
  Marion County State Bank Pella, Iowa commercial 2.21 2.35 258,006 21.88 36.56
  Union Bank of Blair Wis. commercial 2.21 1.76 80,791 20.57 49.27
176 BLC Community Bank Little Chute, Wis. commercial 2.20 0.31 178,977 15.23 45.12
  First State Bank of Grove City Minn. commercial 2.20 2.04 23,516 11.39 49.31
  Lusk State Bank Wyo. commercial 2.20 2.10 54,455 20.79 54.80
179 Bank of St. Elizabeth Mo. commercial 2.19 2.42 102,132 18.88 49.66
  Metro City Bank Doraville, Ga. commercial 2.19 2.70 501,799 18.62 43.18
  Ramsey National Bank Devils Lake, N.D. commercial 2.19 1.96 259,766 21.15 49.20
  Ruby Valley National Bank Twin Bridges, Mont. commercial 2.19 -0.07 80,606 15.25 60.60
183 Chetopa State Bank & Trust Co. Kan. commercial 2.18 1.13 28,772 23.54 51.76
  The Bank Oberlin, Kan. commercial 2.18 2.33 305,746 22.46 38.36
  Beauregard Federal Savings Bank Deridder, La. savings 2.18 2.02 54,449 11.85 55.46
  Jackson County Bank Black River Falls, Wis. commercial 2.18 2.21 210,264 20.04 45.67
  Security First Bank of North Dakota New Salem commercial 2.18 2.57 166,599 20.41 57.09
188 Heartland Bank St. Louis savings 2.17 2.17 866,913 20.66 62.54
  Bank of DeSoto Texas commercial 2.17 2.39 181,054 21.32 59.22
  Commercial State Bank of Wagner S.D. commercial 2.17 2.65 133,551 19.30 44.99
  First Bank Burkburnett, Texas commercial 2.17 1.91 289,041 22.89 67.19
  First National Bank of Moose Lake Minn. commercial 2.17 1.82 73,240 17.53 57.23
193 Community First Bank New Iberia, La. commercial 2.16 1.70 284,543 26.07 54.88
  First Eagle Bank Chicago commercial 2.16 2.10 414,293 15.29 40.39
  Great State Bank Wilkesboro, N.C. commercial 2.16 1.11 84,359 18.97 64.49
  Taylor County Bank Campbellsville, Ky. commercial 2.16 2.31 167,666 19.79 53.44
197 HNB National Bank Hannibal, Mo. commercial 2.15 2.60 403,939 20.11 54.25
  Lamar Bank and Trust Co. Mo. commercial 2.15 2.20 128,334 23.16 52.14
199 National Bank of Commerce Superior, Wis. commercial 2.14 1.54 518,206 17.21 56.40
  Five Star Bank Rocklin, Calif. commercial 2.14 2.49 570,160 25.12 42.96
  Basile State Bank La. commercial 2.14 1.87 56,647 23.02 60.98
  Heartland Bank Somers, Iowa commercial 2.14 1.93 116,819 15.61 50.14
  Liberty Savings Bank FSB St. Cloud, Minn. savings 2.14 2.34 188,883 21.51 67.17
  State Bank of New Richland Minn. commercial 2.14 2.72 88,029 20.83 43.10

Note: Independent banks and thrifts operating as of Nov. 25, 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
, Charlottesville, Va.
© 2014 American Banker