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Community banking

Community Banks with the Highest Returns on Average Assets

March 05, 2015, 12:00 p.m. EST 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 September 30, 2014. Dollars in thousands
Published March 5, 2015
Rank Co. Type of
institution		 Return on
avg. assets		 Total
assets		 Return on
avg. equity		 Efficiency
ratio
3Q 2014 3Q 2013
1 Legacy Bank of Florida Boca Raton commercial bank 14.92% 0.19% $274,934 157.91% 86.63%
2 Patriot National Bank Stamford, Conn. commercial bank 12.60 -1.62 623,941 114.49 92.74
3 Community Savings Bank Bethel, Ohio savings bank 9.04 0.69 76,207 49.11 34.70
4 M Bank Gresham, Ore. commercial bank 7.80 1.60 164,488 81.08 71.50
5 State Bank of Texas Dallas commercial bank 6.45 4.56 376,250 26.30 15.51
6 Coastal Bank & Trust Jacksonville, N.C. commercial bank 6.23 -3.19 63,921 56.24 103.84
7 Bank of Blue Valley Overland Park, Kan. commercial bank 6.15 0.71 630,977 53.07 87.30
8 Continental Bank Salt Lake City commercial bank 6.12 8.11 166,897 35.27 33.03
9 First Credit Bank Los Angeles commercial bank 5.72 6.26 400,006 13.87 13.92
10 BANK'34 MHC Alamogordo, N.M. savings bank 5.60 -0.48 254,466 41.96 51.12
  Community Bank-Wheaton/Glen Ellyn Ill. commercial bank 5.60 -0.44 335,288 71.26 81.42
12 Live Oak Banking Co. Wilmington, N.C. commercial bank 5.49 4.31 564,996 50.80 56.43
13 Friendly Hills Bank Whittier, Calif. commercial bank 5.27 0.20 113,344 42.49 85.50
14 West Town Bank & Trust Cicero, Ill. commercial bank 4.88 1.27 173,565 45.91 61.15
15 Cornerstone Bank Fargo, N.D. commercial bank 4.86 0.69 237,903 39.36 94.44
16 Peoples Bank & Trust Co. Ryan, Okla. commercial bank 4.54 1.56 31,468 35.77 88.42
17 Triumph Community Bank Moline, Ill. commercial bank 4.45 0.62 923,012 34.59 29.26
18 Greenwood's State Bank Lake Mills, Wis. commercial bank 4.38 0.42 152,494 43.25 75.53
19 Orange County Business Bank Irvine, Calif. commercial bank 4.31 0.21 201,627 22.23 84.79
20 Peoples State Bank Cherryvale, Kan. commercial bank 4.29 5.37 16,316 14.90 44.71
21 Builders Bank Chicago commercial bank 4.21 -1.17 205,527 46.87 53.53
  Neighborhood National Bank Alexandria, Minn. commercial bank 4.21 0.34 51,192 39.04 43.41
23 First Reliance Bank Florence, S.C. commercial bank 4.09 -2.57 367,133 36.21 83.73
24 CFG Community Bank Baltimore commercial bank 4.06 1.94 567,965 31.51 47.31
25 Town and Country Bank Midwest Quincy, Ill. commercial bank 4.04 2.26 149,938 33.78 40.37
26 Concordia Bank Mo. commercial bank 3.76 1.74 58,829 35.47 44.53
27 Clayton Bank and Trust Knoxville, Tenn. commercial bank 3.74 3.76 671,957 20.36 38.04
28 Bank of Prague Neb. commercial bank 3.73 3.70 22,254 23.03 40.88
29 Prime Pacific Bank Lynnwood, Wash. commercial bank 3.59 0.77 128,260 34.64 51.08
30 Heartland Bank Little Rock, Ark. commercial bank 3.57 3.02 225,050 24.31 47.09
31 Charter Bank Corpus Christi, Texas commercial bank 3.49 3.48 254,612 42.51 45.64
32 NOA Bank Duluth, Ga. commercial bank 3.46 3.11 183,834 28.22 46.69
33 PrinsBank Prinsburg, Minn. commercial bank 3.42 5.15 122,259 30.91 45.91
34 First Bank & Trust Co. Wagoner, Okla. commercial bank 3.36 2.37 255,898 30.47 49.03
  Nebraska State Bank Oshkosh commercial bank 3.36 1.36 48,062 30.23 42.62
36 Titan Bank Mineral Wells, Texas commercial bank 3.32 0.57 78,679 32.28 55.06
37 Charter Bank Eau Claire Wis. commercial bank 3.30 3.17 583,872 23.30 30.59
38 Mid America Bank & Trust Co. Dixon, Mo. commercial bank 3.29 2.31 146,167 23.01 38.54
39 United Community Bank of North Dakota Leeds commercial bank 3.26 2.69 305,647 36.00 34.02
40 Spring Bank Bronx, N.Y. commercial bank 3.23 1.25 105,207 24.86 52.52
  Spring Valley Bank Wyoming, Ohio commercial bank 3.23 3.67 67,158 7.69 49.06
42 Peoples Community Bank Greenville, Mo. commercial bank 3.22 3.44 314,395 19.83 40.89
  RidgeStone Bank Brookfield, Wis. commercial bank 3.22 1.49 386,893 24.80 53.37
44 First Bank of Chandler Okla. commercial bank 3.21 3.09 87,002 31.42 35.19
45 PlantersFirst Cordele, Ga. commercial bank 3.20 0.92 266,798 41.68 70.54
46 NewBank Flushing, N.Y. commercial bank 3.19 2.67 195,839 23.39 39.88
47 Prime Alliance Bank Woods Cross, Utah commercial bank 3.18 1.60 163,326 23.31 37.27
48 Great Plains National Bank Elk City, Okla. commercial bank 3.09 2.08 605,930 37.93 65.76
49 Home Bank of California San Diego commercial bank 3.08 2.61 115,469 15.95 42.94
  Riverside Bank Sparkman, Ark. commercial bank 3.08 3.06 59,943 34.31 47.30
51 TomatoBank Alhambra, Calif. commercial bank 3.05 1.98 456,942 18.76 70.28
52 Choice Financial Group Fargo, N.D. commercial bank 3.03 2.52 902,215 28.68 45.89
53 North Georgia National Bank Calhoun, Ga. commercial bank 3.00 -0.20 114,289 27.91 93.80
54 Corydon State Bank Iowa commercial bank 2.97 3.08 94,290 16.72 22.13
55 Citizens State Bank Miles, Texas commercial bank 2.96 2.35 96,303 30.63 44.87
56 Marlin Business Bank Salt Lake City commercial bank 2.95 2.96 677,762 18.09 44.68
  Peoples State Bank Summit, S.D. commercial bank 2.95 2.34 59,981 26.36 37.31
58 T Bank Dallas commercial bank 2.92 2.24 162,266 22.37 68.93
59 Beardstown Savings Bank Ill. savings bank 2.91 0.40 44,723 26.23 76.79
  Farmers and Merchants Bank of Kendall Wis. commercial bank 2.91 1.78 72,931 22.54 47.21
61 Great American Bank Lawrence, Kan. commercial bank 2.90 1.10 149,230 25.61 68.31
62 Upper Peninsula State Bank Escanaba, Mich. commercial bank 2.89 0.97 181,664 16.65 38.00
63 Citizens State Bank of La Crosse Wis. commercial bank 2.86 3.00 157,212 32.57 47.64
64 Wallis State Bank Texas commercial bank 2.85 1.82 394,428 27.43 59.04
65 Cross River Bank Teaneck, N.J. commercial bank 2.83 1.16 295,163 26.34 47.10
  Waggoner National Bank of Vernon Texas commercial bank 2.83 2.52 272,025 20.97 44.16
67 Bank of Advance Mo. commercial bank 2.82 2.64 306,132 18.13 43.57
  EvaBank Cullman, Ala. commercial bank 2.82 2.41 330,881 19.76 45.15
  Security Bank Tulsa, Okla. commercial bank 2.82 2.68 495,523 26.53 32.08
70 Texas Bank Financial Weatherford commercial bank 2.80 1.74 113,976 32.18 71.01
71 Pacific Enterprise Bank Irvine, Calif. commercial bank 2.79 1.11 348,700 23.06 44.02
  Security Bank Laurel, Neb. commercial bank 2.79 1.47 184,348 24.23 49.38
73 St. Martin Bank and Trust Co. St. Martinville, La. commercial bank 2.77 2.81 466,617 25.91 44.86
74 Bank of Camden Tenn. commercial bank 2.76 5.78 335,605 17.96 39.67
  Grant County State Bank Carson, N.D. commercial bank 2.76 3.14 36,411 26.04 45.33
  Murphy Bank Fresno, Calif. commercial bank 2.76 2.96 179,426 22.29 45.93
77 Bank of Hemet Riverside, Calif. commercial bank 2.73 2.86 491,027 23.36 44.66
  Bank of Morton Miss. commercial bank 2.73 2.53 66,815 21.24 51.86
  Premier Bank Rock Valley, Iowa commercial bank 2.73 2.88 297,824 23.25 34.34
  Prime Bank Edmond, Okla. commercial bank 2.73 3.05 214,428 29.31 40.48
81 Bank of Buffalo Ky. commercial bank 2.72 3.17 73,129 23.87 37.10
  First National Bank Fabens, Texas commercial bank 2.72 2.73 322,718 25.24 50.42
  Oak Creek Valley Bank Valparaiso, Neb. commercial bank 2.72 2.82 75,385 21.41 28.74
  Stock Growers Bank Napoleon, N.D. commercial bank 2.72 2.54 60,395 21.33 32.56
85 First National Bank Fort Pierre, S.D. commercial bank 2.71 2.31 757,951 11.49 39.05
  Lowry State Bank Minn. commercial bank 2.71 2.32 42,671 26.80 47.40
  Solon State Bank Iowa commercial bank 2.71 2.72 88,361 11.82 41.67
88 Yellowstone Bank Laurel, Mont. commercial bank 2.70 2.82 641,388 15.08 41.83
89 First Western Federal Savings Bank Rapid City, S.D. savings bank 2.69 2.33 41,380 15.95 53.67
90 Farmers Exchange Bank Cherokee, Okla. commercial bank 2.68 2.13 242,666 28.83 37.77
  First Financial Bank El Dorado, Ark. commercial bank 2.68 2.40 902,451 25.17 54.71
  Northpointe Bank Grand Rapids, Mich. commercial bank 2.68 1.84 360,584 31.19 64.29
93 Bank Star One Fulton, Mo. commercial bank 2.67 0.50 86,141 24.05 75.30
  Farmers Bank and Trust Co. Blytheville, Ark. commercial bank 2.67 2.26 407,950 28.32 49.13
  Justin State Bank Texas commercial bank 2.67 0.85 73,193 19.95 60.08
96 Cowboy Bank of Texas Maypearl commercial bank 2.64 2.79 58,718 26.15 54.61
  Plains Commerce Bank Hoven, S.D. commercial bank 2.64 1.74 553,846 19.57 54.04
98 Idaho Trust Bank Boise commercial bank 2.62 1.62 76,791 10.74 71.12
  Security State Bank Sutherland, Iowa commercial bank 2.62 2.58 101,328 30.34 35.20
100 Commercial Bank of Mott N.D. commercial bank 2.61 2.70 98,984 23.19 43.40
101 Golden Belt Bank FSA Ellis, Kan. savings bank 2.60 2.77 147,348 19.30 51.51
  Heritage State Bank Lawrenceville, Ill. commercial bank 2.60 2.47 76,819 24.32 52.10
  New Century Bank Belleville, Kan. commercial bank 2.60 1.39 26,426 23.80 67.20
  Points West Community Bank Julesburg, Colo. commercial bank 2.60 2.69 218,289 26.63 43.60
105 Farmers Savings Bank Wever, Iowa commercial bank 2.59 2.29 120,420 25.26 39.60
  Landmark Bank Fort Lauderdale, Fla. commercial bank 2.59 1.07 348,177 20.49 39.00
  Peoples Exchange Bank Belleville, Kan. commercial bank 2.59 0.75 65,542 18.25 45.56
  State Bank of New Richland Minn. commercial bank 2.59 2.14 96,448 25.97 33.63
109 First Colorado National Bank Paonia commercial bank 2.58 1.98 48,904 13.74 74.71
  First National Bank of Hughes Springs Texas commercial bank 2.58 2.10 238,862 18.52 48.00
111 1st Bank & Trust Broken Bow, Okla. commercial bank 2.57 2.39 128,422 22.55 46.85
  First National Bank and Trust Co. of Okmulgee Okla. commercial bank 2.57 2.40 267,241 22.95 56.05
  First State Bank of Beecher City Ill. commercial bank 2.57 2.26 68,587 18.23 47.07
  Taylor County Bank Campbellsville, Ky. commercial bank 2.57 2.16 169,424 22.12 49.63
115 Coffee County Bank Manchester, Tenn. commercial bank 2.56 2.13 130,356 20.41 50.21
  Commercial State Bank of Wagner S.D. commercial bank 2.56 2.17 142,171 22.06 37.91
117 Central Bank of Kansas City Mo. commercial bank 2.55 1.52 134,837 14.73 70.59
118 BankWest Inc. Pierre, S.D. commercial bank 2.54 1.62 879,215 26.07 53.39
  Commercial Bank Crawford, Ga. commercial bank 2.54 1.08 112,629 20.84 53.41
  Crescent Bank & Trust New Orleans commercial bank 2.54 1.92 941,137 22.70 53.87
  Douglas National Bank Ga. commercial bank 2.54 2.60 168,793 19.87 51.78
122 Bank 7 Oklahoma City commercial bank 2.53 2.87 447,644 26.90 46.48
  McIntosh County Bank Ashley, N.D. commercial bank 2.53 1.71 87,219 23.79 44.00
124 Morris State Bank Okla. commercial bank 2.51 2.41 69,424 30.40 53.42
  Security First Bank of North Dakota Center commercial bank 2.51 2.18 173,719 23.26 53.39
  Ultima Bank Minnesota Winger commercial bank 2.51 2.03 155,379 28.03 49.29
127 Farmers Bank and Trust Co. Marion, Ky. commercial bank 2.50 2.06 137,645 17.98 55.29
  Great Plains Bank Eureka, S.D. commercial bank 2.50 2.77 99,765 24.05 43.14
129 Brunswick State Bank Neb. commercial bank 2.48 2.63 93,337 24.31 44.62
  Crown Bank Elizabeth, N.J. commercial bank 2.48 1.01 517,606 18.39 57.63
131 Bank of St. Elizabeth Mo. commercial bank 2.46 2.19 110,280 21.01 48.26
  BankSouth Greensboro, Ga. savings bank 2.46 2.02 375,240 22.67 79.22
  Central State Bank Pleasant Hill, Ill. commercial bank 2.46 1.19 118,028 16.54 48.45
  Guardian Savings Bank FSB West Chester, Ohio savings bank 2.46 3.00 800,872 23.50 42.56
  Morris Bank Dublin, Ga. commercial bank 2.46 1.98 478,986 23.13 45.70
136 Almena State Bank Kan. commercial bank 2.45 2.23 34,167 32.07 63.34
  Bank of Deerfield Wis. commercial bank 2.45 2.11 119,021 18.16 51.28
  First National Bank of Picayune Miss. commercial bank 2.45 3.05 199,939 18.94 54.59
139 Cumberland Security Bank Inc. Somerset, Ky. commercial bank 2.44 2.06 160,074 17.67 54.77
  Republic Bank Bountiful, Utah commercial bank 2.44 3.58 304,931 20.79 24.49
141 Caldwell Bank & Trust Co. Columbia, La. commercial bank 2.43 1.36 151,074 25.55 43.79
142 American City Bank Tullahoma, Tenn. commercial bank 2.42 2.55 253,324 13.49 48.23
  Commercial Capital Bank Delhi, La. commercial bank 2.42 2.32 80,604 19.71 53.63
  Crockett National Bank San Angelo, Texas commercial bank 2.42 3.64 475,088 25.55 73.89
145 Bank of Hydro Okla. commercial bank 2.41 2.55 134,064 31.32 42.13
  First State Bank of Healy Kan. commercial bank 2.41 2.32 83,251 13.52 33.40
  North Valley Bank Thornton, Colo. commercial bank 2.41 1.56 141,910 22.69 58.56
148 Priority Bank Ozark, Ark. savings bank 2.40 1.77 82,365 23.75 66.42
  Westbound Bank Katy, Texas commercial bank 2.40 0.46 146,562 14.92 71.96
  Yampa Valley Bank Steamboat Springs, Colo. commercial bank 2.40 1.35 199,356 24.56 55.03
151 Bank of Geneva Ind. commercial bank 2.39 1.87 215,288 22.66 50.26
  Bank of the West Thomas, Okla. commercial bank 2.39 2.65 138,401 21.78 52.15
  Hodge Bank & Trust Co. La. commercial bank 2.39 2.27 66,423 16.29 48.43
  Nodaway Valley Bank Maryville, Mo. commercial bank 2.39 2.42 807,136 20.23 48.07
  Vermillion State Bank Minn. commercial bank 2.39 2.44 538,992 18.30 30.53
156 Federal Savings Bank Chicago savings bank 2.38 -0.38 209,287 16.43 92.01
  First Security Bank - Canby Minn. commercial bank 2.38 2.04 64,320 14.40 42.07
  Freedom Bank Huntingburg, Ind. commercial bank 2.38 2.32 344,520 24.62 40.74
  Georgia Heritage Bank Dallas commercial bank 2.38 0.19 68,967 48.48 64.60
  Heartland Bank Somers, Iowa commercial bank 2.38 2.14 122,332 16.73 49.72
  Security First Bank Fresno, Calif. commercial bank 2.38 0.43 104,111 19.73 91.37
  Venture Bank Bloomington, Minn. commercial bank 2.38 2.46 516,269 30.12 53.44
  Welcome State Bank Minn. commercial bank 2.38 2.26 25,934 23.61 49.38
164 Durden Banking Co. Inc. Twin City, Ga. commercial bank 2.37 1.98 152,591 18.08 56.44
  Farmers & Merchants State Bank of Cawker City Kan. commercial bank 2.37 1.48 16,693 26.32 43.65
  First National Bank of Las Animas Colo. commercial bank 2.37 1.63 318,035 22.26 44.80
  Wells Bank of Platte City Mo. commercial bank 2.37 3.75 114,906 26.03 46.54
168 Community Bank of Raymore Mo. commercial bank 2.36 1.43 177,700 28.42 63.48
  Farmers State Bank Hosmer, S.D. commercial bank 2.36 1.88 21,219 17.44 53.76
  Sicily Island State Bank La. commercial bank 2.36 2.01 46,776 17.51 64.50
171 Darien Rowayton Bank Conn. commercial bank 2.34 0.40 439,555 30.58 57.62
  First National Bank of Eagle Lake Texas commercial bank 2.34 -0.39 109,775 24.45 67.95
173 Exchange Bank and Trust Co. Perry, Okla. commercial bank 2.33 1.97 280,351 25.61 49.42
  First Community Bank Santa Rosa, Calif. commercial bank 2.33 1.60 881,526 22.55 44.81
  TexasBank Brownwood commercial bank 2.33 3.24 379,592 19.08 54.02
176 City Savings Bank & Trust Co. De Ridder, La. commercial bank 2.32 2.36 290,769 20.67 53.42
  State Bank Hoxie, Kan. commercial bank 2.32 1.62 147,606 21.04 40.18
178 Campbell County Bank Inc. Herreid, S.D. commercial bank 2.31 1.58 116,283 17.10 41.84
  Community First Bank New Iberia, La. commercial bank 2.31 2.16 313,643 26.19 53.20
  Viking Savings Bank Alexandria, Minn. savings bank 2.31 1.86 160,669 13.24 42.18
181 Midwest Bank Detroit Lakes, Minn. commercial bank 2.30 2.30 345,851 23.52 48.27
  PrimeSouth Bank Blackshear, Ga. commercial bank 2.30 1.50 331,359 29.83 56.48
  State Bank of Chilton Wis. commercial bank 2.30 1.73 171,550 14.85 44.58
  Tejas Bank Monahans, Texas commercial bank 2.30 2.12 142,042 20.97 49.77
  Wyoming Bank & Trust Cheyenne commercial bank 2.30 2.30 144,952 21.77 83.10
186 Coleman County State Bank Texas commercial bank 2.29 2.38 103,850 24.41 55.79
  Community First Bank of the Heartland Mount Vernon, Ill. commercial bank 2.29 1.99 170,528 24.06 54.75
188 Bank of Kremlin Okla. commercial bank 2.28 1.78 249,818 21.22 49.45
  First State Bank Scottsbluff, Neb. commercial bank 2.28 2.50 272,198 26.21 45.38
  St. Clair State Bank Inc. Minn. commercial bank 2.28 2.03 80,605 18.05 33.07
191 KodaBank Drayton, N.D. commercial bank 2.27 2.05 141,460 22.00 43.27
  Liberty State Bank Powers Lake, N.D. commercial bank 2.27 2.49 82,710 24.18 37.20
193 First Savings Bank Beresford, S.D. savings bank 2.26 1.21 499,777 14.18 46.52
  Homeland Federal Savings Bank Columbia, La. savings bank 2.26 2.36 161,702 19.91 60.60
  Red River State Bank Halstad, Minn. commercial bank 2.26 2.54 41,363 17.06 51.90
  United Farmers State Bank Adams, Minn. commercial bank 2.26 2.36 143,129 20.72 43.63
197 Financial Federal Bank Memphis, Tenn. commercial bank 2.25 1.95 363,054 14.01 49.71
  First State Bank Farnam, Neb. commercial bank 2.25 2.03 55,038 14.87 56.67
  State Bank of De Kalb Texas commercial bank 2.25 1.51 160,550 18.57 52.38
200 Crestmark Bank Troy, Mich. commercial bank 2.24 3.15 625,512 17.05 64.03
  Goodfield State Bank Ill. commercial bank 2.24 2.71 97,925 19.18 56.11

Note: Independent banks and thrifts operating as of Nov. 21, 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.
© 2015 American Banker

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