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Community Banks with the Highest Returns on Average Assets

August 22, 2014, 5:54 p.m. EDT 1 Min Read
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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 May 31, 2014. Dollars in thousands
Published August 22, 2014
Rank Company Type of
institution		 Return on
avg. assets		 Total
assets		 Return on
avg. equity		 Efficiency
ratio
1Q 2014 1Q 2013
1 Freedom Bank of America St. Petersburg, Fla. commercial bank 11.28% -0.19% $107,062 94.66% 87.80
2 PrinsBank Prinsburg, Minn. commercial bank 8.08 3.21 122,107 74.65 29.94
3 Haverford Trust Co. Radnor, Pa. commercial bank 7.88 4.29 107,284 43.43 70.96
4 Riverview Community Bank Vancouver, Wash. savings bank 7.72 0.76 821,158 54.47 93.52
5 First Credit Bank Los Angeles commercial bank 6.28 4.17 383,263 15.88 11.60
6 Anchor Commercial Bank Juno Beach, Fla. commercial bank 6.02 0.10 104,954 65.69 86.25
7 America's Community Bank Blue Springs, Mo. commercial bank 5.54 0.25 27,026 46.30 37.56
8 Live Oak Banking Co. Wilmington, N.C. commercial bank 5.49 3.98 475,353 50.96 58.43
9 Legacy State Bank Loganville, Ga. commercial bank 5.46 -2.37 71,436 110.53 128.54
10 Continental Bank Salt Lake City commercial bank 5.45 6.95 142,541 27.42 32.46
11 State Bank of Texas Dallas commercial bank 5.39 2.95 426,550 25.03 23.54
12 CornerStone Bank Lexington, Va. commercial bank 4.57 0.74 102,753 43.93 73.88
13 Solon State Bank Solon, Iowa commercial bank 4.47 2.71 89,368 20.82 32.72
  Citizens Independent Bank St. Louis Park, Minn. commercial bank 4.47 0.43 297,198 49.31 87.28
15 Republic Bank Bountiful, Utah commercial bank 4.37 4.35 404,584 29.85 17.61
16 Peoples State Bank Cherryvale, Kan. commercial bank 4.14 4.33 16,404 14.98 44.50
17 First Western Federal Savings Bank Rapid City, S.D. savings bank 3.98 2.96 39,831 23.09 41.85
18 Libertad Bank SSB Austin, Texas savings bank 3.83 0.40 59,967 34.24 85.04
19 Decatur State Bank Ark. commercial bank 3.56 -2.86 138,357 34.17 43.54
  Marlin Business Bank Salt Lake City commercial bank 3.56 2.90 671,715 23.42 41.95
21 American Bank Bozeman, Mont. commercial bank 3.55 -0.37 325,200 36.47 74.83
22 Idaho Trust Bank Boise commercial bank 3.46 6.91 72,398 13.99 81.70
23 Bank of Versailles Mo. commercial bank 3.44 -1.11 227,616 37.00 100.03
24 Missouri Bank II Sedalia commercial bank 3.43 1.22 84,413 32.83 42.25
25 Rocky Mountain Bank Jackson, Wyo. commercial bank 3.42 -0.46 211,822 28.98 43.32
  Noah Bank Elkins Park, Pa. commercial bank 3.42 2.36 297,437 34.55 53.49
27 Security Bank of the Ozarks Eminence, Mo. commercial bank 3.40 1.38 46,579 37.41 55.68
28 NewBank Flushing, N.Y. commercial bank 3.39 3.70 190,557 26.60 40.75
  First Bank and Trust Co. of Illinois Palatine commercial bank 3.39 -0.92 278,284 36.45 134.53
30 West One Bank Kalispell, Mont. commercial bank 3.36 0.67 39,503 21.93 68.37
31 First American Bank Norman, Okla. commercial bank 3.31 0.64 294,846 35.64 54.84
32 Charter Bank Corpus Christi, Texas commercial bank 3.28 3.17 238,479 43.22 48.73
33 Heartland Bank Bryant, Ark. commercial bank 3.24 2.86 203,027 22.88 47.64
34 NOA Bank Duluth, Ga. commercial bank 3.21 2.06 164,698 24.81 51.62
35 Clayton Bank and Trust Knoxville, Tenn. commercial bank 3.14 3.99 654,689 18.92 41.20
36 Nebraska State Bank Oshkosh commercial bank 3.11 2.39 47,450 29.64 46.23
37 Corydon State Bank Iowa commercial bank 3.06 3.06 95,246 18.19 21.53
38 Oak Creek Valley Bank Valparaiso, Neb. commercial bank 2.98 2.74 73,073 26.51 29.39
  Mid America Bank & Trust Co. Dixon, Mo. commercial bank 2.98 1.76 144,775 23.89 40.14
40 First National Bank Fabens, Texas commercial bank 2.95 2.96 326,019 28.99 46.94
41 Community Bank of Raymore Mo. commercial bank 2.91 0.91 182,459 39.75 56.03
42 Bank of Buffalo Ky. commercial bank 2.88 2.76 72,091 25.33 35.15
43 Forreston State Bank Ill. commercial bank 2.83 1.40 99,693 23.57 42.87
44 Peoples Community Bank Greenville, Mo. commercial bank 2.81 3.37 307,709 21.90 44.26
  RidgeStone Bank Brookfield, Wis. commercial bank 2.81 2.28 380,458 21.23 47.25
  Prime Alliance Bank Woods Cross, Utah commercial bank 2.81 2.35 145,443 20.23 50.02
47 Commercial State Bank of Wagner S.D. commercial bank 2.79 2.28 135,050 24.83 41.40
  First Bank of Chandler Okla. commercial bank 2.79 2.11 83,079 26.95 40.71
49 Security State Bank Iron River, Wis. commercial bank 2.74 1.33 80,994 16.78 45.49
  First National Bank Fort Pierre, S.D. commercial bank 2.74 2.53 740,236 11.76 41.34
51 First State Bank of Healy Kan. commercial bank 2.73 2.10 85,656 17.11 27.29
  Charter Bank Eau Claire Wis. commercial bank 2.73 2.43 568,918 20.74 33.54
53 Premier Bank Rock Valley, Iowa commercial bank 2.71 2.76 295,950 23.69 34.45
54 Cowboy Bank of Texas Maypearl commercial bank 2.69 2.18 56,907 27.64 52.62
55 First Security Bank of Malta Mont. commercial bank 2.68 1.72 33,315 26.80 47.32
56 United Community Bank of North Dakota Leeds commercial bank 2.66 2.51 288,290 29.33 40.30
57 Union Bank & Trust Co. Livingston, Tenn. commercial bank 2.65 1.80 79,938 22.23 46.88
  St. Martin Bank and Trust Co. St. Martinville, La. commercial bank 2.65 2.68 447,652 25.15 47.43
59 Bloomsdale Bank Mo. commercial bank 2.61 2.56 197,240 27.13 52.04
  Riverside Bank Sparkman, Ark. commercial bank 2.61 2.76 56,831 27.48 51.70
  Commercial Capital Bank Delhi, La. commercial bank 2.61 2.20 70,467 21.61 56.64
62 Central State Bank Pleasant Hill, Ill. commercial bank 2.60 3.01 122,312 18.28 42.16
  Farmers Exchange Bank Cherokee, Okla. commercial bank 2.60 2.34 229,475 30.17 36.49
64 TexasBank Brownwood commercial bank 2.59 3.58 362,990 21.54 51.25
  Yellowstone Bank Laurel, Mont. commercial bank 2.59 2.81 491,788 13.62 43.18
  First Bank Hamilton, N.J. commercial bank 2.59 0.42 599,212 22.73 46.07
67 River City Bank Inc. Louisville, Ky. commercial bank 2.58 2.50 301,636 18.49 61.56
68 Farmers and Merchants Bank of Kendall Wis. commercial bank 2.56 3.91 72,893 19.87 50.42
69 Heartland State Bank Redfield, S.D. commercial bank 2.55 2.76 74,590 23.46 49.73
  First State Bank Boise City, Okla. commercial bank 2.55 2.33 61,831 31.93 46.39
71 Justin State Bank Texas commercial bank 2.54 2.33 68,946 19.57 63.73
72 Citizens State Bank Miles, Texas commercial bank 2.53 2.13 92,678 25.40 47.91
73 Security State Bank Sutherland, Iowa commercial bank 2.52 2.58 99,686 28.20 37.61
74 Bank of the West Thomas, Okla. commercial bank 2.51 2.18 135,627 22.10 51.92
  Bank of Camden Tenn. commercial bank 2.51 2.21 329,812 16.80 36.89
76 American Plus Bank Arcadia, Calif. commercial bank 2.49 1.28 284,442 17.21 31.90
77 Town and Country Bank Midwest Quincy, Ill. commercial bank 2.47 2.53 148,380 21.03 49.74
  Guardian Bank Valdosta, Ga. commercial bank 2.47 1.71 240,852 23.26 44.98
79 Bank of Hemet Riverside, Calif. commercial bank 2.46 2.73 472,105 20.33 52.15
80 Adrian Bank Mo. commercial bank 2.45 1.73 132,258 27.47 44.75
  Bank of Hydro Okla. commercial bank 2.45 2.57 121,586 28.74 43.61
  Bank of Advance Mo. commercial bank 2.45 2.29 302,118 17.34 42.98
  Morris State Bank Okla. commercial bank 2.45 3.07 68,839 29.84 55.36
84 First National Bank South Alma, Ga. commercial bank 2.44 2.10 318,502 17.66 44.34
  Payne County Bank Perkins, Okla. commercial bank 2.44 2.55 145,873 14.33 51.31
  Commonwealth Business Bank Los Angeles commercial bank 2.44 2.19 572,112 20.98 45.31
  Metro City Bank Doraville, Ga. commercial bank 2.44 2.48 550,976 20.55 38.96
88 First National Bank of Osakis Minn. commercial bank 2.43 0.81 64,306 19.38 51.00
  Vermillion State Bank Minn. commercial bank 2.43 2.05 527,873 18.97 27.79
90 Goodfield State Bank Ill. commercial bank 2.42 3.72 89,531 19.75 52.37
  Bank of Washington Lynnwood commercial bank 2.42 -0.75 133,605 20.28 64.41
92 Great Plains Bank Eureka, S.D. commercial bank 2.41 2.16 96,591 23.44 45.31
  Bank of Morton Miss. commercial bank 2.41 2.54 65,305 19.01 54.53
  Iowa State Bank Wapello commercial bank 2.41 0.94 81,276 18.78 60.09
95 Waggoner National Bank of Vernon Texas commercial bank 2.40 3.06 281,604 19.71 46.89
96 Iuka State Bank Ill. commercial bank 2.39 0.91 61,731 30.04 31.08
  Mid-America Bank Baldwin City, Kan. commercial bank 2.39 1.00 86,097 20.95 67.50
  Bank of Glen Ullin N.D. commercial bank 2.39 2.36 46,789 21.57 43.41
  Red River State Bank Halstad, Minn. commercial bank 2.39 2.31 43,304 18.51 49.05
100 Southwest Capital Bank Las Vegas, NM commercial bank 2.38 2.43 246,659 24.06 45.22
  First Bank & Trust Co. Wagoner, Okla. commercial bank 2.38 2.00 282,914 22.90 48.95
  Peoples State Bank Summit, S.D. commercial bank 2.38 2.37 61,698 21.74 41.94
  Choice Financial Group Grafton, N.D. commercial bank 2.38 2.29 648,714 24.96 51.00
104 EvaBank Cullman, Ala. commercial bank 2.37 2.29 333,752 19.90 42.65
  Security Bank Tulsa, Okla. commercial bank 2.37 2.35 476,890 21.70 31.96
  Peoples Bank Westville, Okla. commercial bank 2.37 0.65 49,228 21.19 60.08
  First National Bank of Picayune Miss. commercial bank 2.37 2.29 201,942 18.28 53.86
  Wells Bank of Platte City Mo. commercial bank 2.37 2.58 108,345 27.29 51.32
  Pony Express Bank Liberty, Mo. commercial bank 2.37 3.27 138,613 16.84 53.69
110 Bank 7 Oklahoma City commercial bank 2.35 3.05 423,724 28.64 46.86
111 Crestmark Bank Troy, Mich. commercial bank 2.34 2.68 525,892 18.01 61.97
  Douglas National Bank Ga. commercial bank 2.34 2.20 151,333 17.74 56.48
113 Great Plains National Bank Elk City, Okla. commercial bank 2.33 2.56 558,546 29.49 66.84
114 Citizens State Bank of La Crosse Wis. commercial bank 2.32 3.43 148,468 26.49 52.28
  Venture Bank Bloomington, Minn. commercial bank 2.32 1.91 432,918 27.41 50.88
  Prime Bank Edmond, Okla. commercial bank 2.32 3.02 204,831 23.71 44.07
  First Bank of Berne Ind. commercial bank 2.32 2.71 537,985 24.22 48.45
118 Progressive Ozark Bank Salem, Mo. commercial bank 2.31 2.58 122,522 23.59 60.50
  Peoples Bank Mendenhall, Miss. commercial bank 2.31 1.86 243,797 24.44 53.96
  Coffee County Bank Manchester, Tenn. commercial bank 2.31 2.34 124,282 18.28 50.33
  Hodge Bank & Trust Co. La. commercial bank 2.31 1.93 67,855 17.01 48.68
122 Campbell County Bank Inc. Herreid, S.D. commercial bank 2.30 1.45 115,998 18.74 44.28
  Security State Bank Farwell, Texas commercial bank 2.30 2.34 119,991 17.53 35.69
  Seacoast Commerce Bank San Diego commercial bank 2.30 0.46 345,650 29.26 57.15
125 Brunswick State Bank Neb. commercial bank 2.29 1.37 91,469 25.19 45.99
126 Morris Bank Dublin, Ga. commercial bank 2.28 1.72 457,362 21.53 48.91
  Coleman County State Bank Texas commercial bank 2.28 2.25 98,401 23.97 56.80
  Security Bank Midland, Texas commercial bank 2.28 2.18 828,857 20.16 57.35
  Crossroads Bank Wabash, Ind. savings bank 2.28 0.77 333,875 25.06 67.62
130 First State Bank of Roscoe S.D. commercial bank 2.27 0.85 96,280 21.74 39.54
  ACB Bank Cherokee, Okla. commercial bank 2.27 2.48 85,313 26.45 49.73
  FirsTier Bank Kimball, Neb. commercial bank 2.27 0.23 245,464 19.64 49.91
133 National Bank of New York City Flushing commercial bank 2.26 0.56 183,798 11.01 57.06
  First State Bank Scottsbluff, Neb. commercial bank 2.26 2.19 233,909 23.66 48.03
  First Missouri State Bank Poplar Bluff commercial bank 2.26 -0.77 152,784 21.66 45.42
  Murphy Bank Fresno, Calif. commercial bank 2.26 2.55 158,849 16.10 49.37
  Freedom Bank Huntingburg, Ind. commercial bank 2.26 2.47 348,085 23.28 41.13
  Ouachita Independent Bank Monroe, La. commercial bank 2.26 1.70 659,268 20.67 54.84
139 Heritage State Bank Lawrenceville, Ill. commercial bank 2.25 2.55 78,983 21.81 56.11
140 Security Bank and Trust Co. Paris, Tenn. commercial bank 2.24 2.16 176,760 23.46 41.46
  Golden Bank Houston commercial bank 2.24 0.93 563,603 17.03 47.56
142 Commerce Bank Edina, Minn. commercial bank 2.23 1.24 157,287 14.42 64.26
  First Community Bank Corpus Christi, Texas commercial bank 2.23 1.53 360,323 26.28 65.98
  AmeriState Bank Atoka, Okla. commercial bank 2.23 1.66 203,709 24.71 61.80
  Normangee State Bank Texas commercial bank 2.23 2.23 104,236 16.64 37.68
146 High Plains Bank Keyes, Okla. commercial bank 2.22 2.20 70,673 19.12 46.00
  Spring Bank Bronx, N.Y. commercial bank 2.22 1.77 100,604 18.34 68.99
148 Homeland Federal Savings Bank Columbia, La. savings bank 2.21 2.25 160,863 20.44 57.74
149 Tejas Bank Monahans, Texas commercial bank 2.20 1.57 130,218 19.88 47.69
  First Financial Bank El Dorado, Ark. commercial bank 2.20 3.20 878,004 21.06 59.70
  Quail Creek Bank Oklahoma City commercial bank 2.20 2.21 558,217 23.16 49.11
152 First State Bank of Beecher City Ill. commercial bank 2.19 2.32 71,390 16.44 49.71
  American State Bank Sioux Center, Iowa commercial bank 2.19 2.24 665,908 18.63 42.81
154 City Savings Bank & Trust Co. De Ridder, La. commercial bank 2.17 2.09 276,779 19.55 57.24
155 Marion County State Bank Pella, Iowa commercial bank 2.16 2.51 266,932 21.22 38.41
  St. Clair State Bank Inc. Minn. commercial bank 2.16 1.83 81,190 17.83 33.73
  First General Bank Rowland Heights, Calif. commercial bank 2.16 1.94 549,486 19.15 28.85
  Five Star Bank Rocklin, Calif. commercial bank 2.16 2.00 561,414 24.64 42.16
159 United Farmers State Bank Adams, Minn. commercial bank 2.15 2.02 137,783 19.51 48.24
  Grant County State Bank Carson, N.D. commercial bank 2.15 1.65 34,007 20.40 50.94
161 First Federal Savings and Loan Bank Olathe, Kan. commercial bank 2.14 2.20 67,173 16.77 44.76
  First American Bank Stonewall, Okla. commercial bank 2.14 2.73 30,403 21.16 58.83
  Community Bank Longview, Texas commercial bank 2.14 2.31 221,888 26.02 47.45
  First Bank of Tennessee Spring City commercial bank 2.14 1.54 245,370 19.86 57.51
  Key Community Bank Inver Grove Heights, Minn. commercial bank 2.14 -1.92 40,429 24.55 108.92
  Fife Commercial Bank Wash. commercial bank 2.14 2.09 82,420 16.86 57.16
167 Frontier Bank Madison, Neb. commercial bank 2.13 2.19 272,780 21.96 44.03
  Jackson County Bank Black River Falls, Wis. commercial bank 2.13 1.92 202,437 18.64 46.76
  State Exchange Bank Lamont, Okla. commercial bank 2.13 0.76 47,073 16.63 57.75
  Franklin State Bank & Trust Co. Winnsboro, La. commercial bank 2.13 2.08 150,263 24.78 58.03
  New Frontier Bank St. Charles, Mo. commercial bank 2.13 -0.19 99,380 28.74 88.04
172 Peoples State Bank McDonald, Kan. commercial bank 2.12 2.47 128,114 23.92 46.26
  Peoples Bank & Trust Co. Ryan, Okla. commercial bank 2.12 1.19 29,218 18.33 78.22
  First State Bank of Porter Okla. commercial bank 2.12 2.20 36,527 14.57 67.42
  Security First Bank of North Dakota New Salem commercial bank 2.12 1.69 174,612 19.58 53.38
  HNB National Bank Hannibal, Mo. commercial bank 2.12 2.10 403,183 18.29 53.23
  Port Richmond Savings Philadelphia savings bank 2.12 2.24 66,899 13.23 50.23
  Bank of Commerce Duncan, Okla. commercial bank 2.12 1.80 169,874 19.55 52.71
  Points West Community Bank Julesburg, Colo. commercial bank 2.12 2.05 207,315 21.65 47.90
180 Plains Commerce Bank Hoven, S.D. commercial bank 2.11 2.76 513,693 15.56 57.89
  First Bank & Trust Co. Duncan, Okla. commercial bank 2.11 1.74 573,153 17.21 55.60
182 Exchange Bank Gibbon, Neb. commercial bank 2.10 2.33 517,907 20.61 43.24
  Bank Northwest Hamilton, Mo. commercial bank 2.10 1.91 105,302 24.69 50.85
  Century Bank of the Ozarks Gainesville, Mo. commercial bank 2.10 1.91 168,261 21.74 57.63
  Bank of Cadiz and Trust Co. Ky. commercial bank 2.10 0.70 107,175 27.96 79.32
186 First National Bank Arcadia, La. commercial bank 2.09 1.48 199,206 24.63 61.61
  Bank of St. Elizabeth Mo. commercial bank 2.09 1.98 107,373 17.93 54.93
  Huntington State Bank Texas commercial bank 2.09 0.43 227,188 22.05 68.44
189 Ultima Bank Minnesota Winger commercial bank 2.08 1.94 145,694 22.79 55.77
  St. John National Bank Kan. commercial bank 2.08 1.60 88,978 19.00 53.55
  Lamar Bank and Trust Co. Mo. commercial bank 2.08 1.98 135,527 23.56 50.72
  Nodaway Valley Bank Maryville, Mo. commercial bank 2.08 1.99 816,806 18.88 51.01
193 Pavillion Bank Richardson, Texas commercial bank 2.07 0.41 81,815 16.56 55.06
  AimBank Littlefield, Texas commercial bank 2.07 1.02 487,155 24.47 55.74
195 First Farmers & Merchants National Bank Luverne, Minn. commercial bank 2.06 2.12 162,720 15.83 63.83
196 First National Bank of Gordon Neb. commercial bank 2.05 0.90 167,349 16.18 42.34
  Waukon State Bank Iowa commercial bank 2.05 1.99 240,888 15.54 41.61
  Citizens State Bank Marysville, Kan. commercial bank 2.05 1.52 303,796 19.98 37.50
  Farmers and Merchants State Bank of Pierz Minn. commercial bank 2.05 2.36 173,310 19.95 50.78
  Citizens Deposit Bank of Arlington Inc. Ky. commercial bank 2.05 1.82 173,475 14.86 46.66

Note: Independent banks and thrifts operating as of May 23, 2014, 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

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