Community Banks with the Highest Returns on Average Assets

February 16, 2016, 11:48 a.m. EST 1 Min Read

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Community Banks with the Highest Returns on Average AssetsYear to date through Dec. 31, 2015. Dollars in thousands Published February 16, 2016
Rank	Company	Type of institution	Return on avg. assets		Total assets	Return on avg. equity	Efficiency ratio
Rank	Company	Type of institution	4Q 2015	4Q 2014	Total assets	Return on avg. equity	Efficiency ratio
1	Peoples Bank & Trust Co. Ryan, Okla.	commercial	7.24	4.36	$29,994	45.06	90.57
2	Haverford Trust Co. Radnor, Pa.	commercial	6.52	4.65	110,179	37.44	79.26
3	First Credit Bank Los Angeles	commercial	6.02	5.65	404,012	13.82	9.02
4	State Bank of Texas Dallas	commercial	5.90	11.52	660,004	31.21	19.39
5	First Community Bank Sugar Land, Texas	commercial	5.61	0.76	650,984	51.97	78.99
6	Bank of George Las Vegas	commercial	5.57	0.35	143,370	50.09	72.12
7	Bank of Montana Missoula	commercial	5.28	2.11	62,051	46.00	38.06
8	Continental Bank Salt Lake City	commercial	5.20	6.74	167,695	30.53	34.34
9	Integrity First Bank Wausau, Wis.	commercial	5.12	0.53	78,828	36.60	76.66
10	Farmers & Merchants Bank Statesboro, Ga.	commercial	4.50	0.45	175,028	43.31	98.39
	First National Community Bank Chatsworth, Ga.	commercial	4.50	1.03	142,370	42.30	81.72
12	Coast National Bank San Luis Obispo, Calif.	commercial	4.49	0.41	145,288	41.53	69.22
13	Deerwood Bank Minn.	commercial	4.43	1.41	523,933	40.06	40.93
14	Centrue Bank Streator, Ill.	commercial	4.11	-0.45	953,747	36.22	83.22
15	Nebraska State Bank Oshkosh	commercial	3.93	2.97	49,841	31.95	36.53
16	Royal Savings Bank Chicago	savings	3.91	0.75	202,282	23.42	38.19
17	PrinsBank Prinsburg, Minn.	commercial	3.83	3.77	128,897	31.35	48.17
18	Community First Bank & Trust Columbia, Tenn.	commercial	3.64	0.66	467,715	37.99	78.02
19	Mid America Bank & Trust Co. Dixon, Mo.	commercial	3.48	3.24	149,580	20.19	40.85
20	First Bank of Chandler Okla.	commercial	3.46	2.97	85,043	32.86	38.70
21	Peoples Community Bank Greenville, Mo.	commercial	3.37	3.11	351,820	19.87	40.04
22	FirsTier Bank Kimball, Neb.	commercial	3.36	1.71	235,870	23.37	45.54
23	NOA Bank Duluth, Ga.	commercial	3.32	3.29	237,054	27.22	49.99
24	State Bank of Wheaton Minn.	commercial	3.29	2.20	79,457	15.93	36.10
25	Artisans' Bank Wilmington, Del.	savings	3.27	0.20	500,692	48.34	92.37
26	First Bank & Trust Co. Wagoner, Okla.	commercial	3.19	2.89	287,608	27.46	48.51
27	Partners Bank of California Mission Viejo	commercial	3.05	1.06	153,005	26.01	79.59
28	Almena State Bank Kan.	commercial	3.03	1.68	63,266	37.22	55.99
	Leaders Bank Oak Brook, Ill.	commercial	3.03	0.17	352,339	34.43	75.38
30	Northpointe Bank Grand Rapids, Mich.	commercial	3.01	2.55	459,940	32.32	59.49
31	New Resource Bank San Francisco	commercial	3.00	0.75	282,200	23.23	85.98
32	Spring Valley Bank Wyoming, Ohio	commercial	2.99	2.05	67,912	7.01	40.54
33	Corydon State Bank Iowa	commercial	2.98	2.92	101,669	16.36	19.53
34	Bank of Deerfield Wis.	commercial	2.96	2.14	128,187	22.93	55.15
	Yellowstone Bank Laurel, Mont.	commercial	2.96	2.51	693,079	18.95	37.80
36	Charter Bank Eau Claire, Wis.	commercial	2.94	2.82	826,850	22.27	42.13
37	WoodTrust Bank Wisconsin Rapids, Wis.	commercial	2.90	2.57	377,682	30.02	49.37
38	Cross River Bank Teaneck, N.J.	commercial	2.89	1.98	451,905	29.68	44.60
	Marlin Business Bank Salt Lake City	commercial	2.89	3.10	754,634	16.90	46.33
40	Frontier Bank Omaha, Neb.	commercial	2.86	1.82	651,502	30.42	43.80
41	Farmers and Merchants Bank of Kendall Wis.	commercial	2.84	2.92	73,918	21.12	47.63
42	Citizens State Bank Miles, Texas	commercial	2.83	2.82	114,922	30.58	45.02
	NewBank Flushing, N.Y.	commercial	2.83	3.06	261,964	20.85	42.86
44	Peoples State Bank Cherryvale, Kan.	commercial	2.82	3.84	19,700	11.00	51.34
45	Bank 7 Oklahoma City	commercial	2.81	2.42	563,951	29.55	40.78
	Prime Bank Edmond, Okla.	commercial	2.81	2.66	242,837	27.13	39.77
	RidgeStone Bank Brookfield, Wis.	commercial	2.81	3.10	422,706	22.49	57.20
	Texas Bank Financial Weatherford	commercial	2.81	2.17	170,935	30.42	71.76
49	Riverside Bank Sparkman, Ark.	commercial	2.80	2.89	58,714	30.19	50.45
50	EvaBank Cullman, Ala.	commercial	2.79	2.99	350,396	16.72	36.99
51	First Financial Bank El Dorado, Ark.	commercial	2.78	2.59	866,511	24.14	55.44
52	Integrity Bank & Trust Monument, Colo.	commercial	2.77	1.30	155,820	31.15	58.72
53	First State Bank Farnam, Neb.	commercial	2.76	1.70	116,950	19.11	60.51
54	Central Bank of Kansas City Mo.	commercial	2.75	1.70	139,068	15.21	65.19
	First National Bank Fort Pierre, S.D.	commercial	2.75	2.62	848,094	11.39	38.83
	Four Oaks Bank & Trust Co. N.C.	commercial	2.75	-0.38	690,200	27.61	85.79
57	Magnolia Bank Hodgenville, Ky.	commercial	2.74	1.15	180,082	26.16	75.09
	Premier Bank Rock Valley, Iowa	commercial	2.74	2.74	335,377	22.42	31.27
	Village Bank St. Francis, Minn.	commercial	2.74	2.87	206,897	29.06	67.50
60	Peoples State Bank Summit, S.D.	commercial	2.72	2.86	62,137	23.70	39.81
61	Bank of Morton Miss.	commercial	2.71	2.48	63,959	19.91	50.14
62	National Bank of Andrews Texas	commercial	2.68	2.96	187,771	27.49	54.99
63	Citizens State Bank of La Crosse Wis.	commercial	2.67	2.74	191,082	31.09	49.59
64	American Bank of the North Nashwauk, Minn.	commercial	2.64	0.63	579,768	33.44	80.73
	Security Bank Tulsa, Okla.	commercial	2.64	2.65	488,783	22.68	34.37
66	VistaBank Aiken, S.C.	commercial	2.62	0.27	112,705	26.21	102.76
67	Farmers Exchange Bank Cherokee, Okla.	commercial	2.61	2.52	304,835	28.44	35.67
	First Federal Savings and Loan Bank Olathe, Kan.	commercial	2.61	2.41	77,162	23.03	38.47
	First Home Bank Seminole, Fla.	commercial	2.61	0.89	104,935	30.37	57.33
	Great Lakes Bankers Bank Worthington, Ohio	commercial	2.61	0.40	94,601	25.78	85.39
	Metro City Bank Doraville, Ga.	commercial	2.61	2.24	672,777	20.80	39.45
	Security State Bank Sutherland, Iowa	commercial	2.61	2.58	119,246	28.81	34.15
73	Commercial Capital Bank Delhi, La.	commercial	2.60	2.47	79,985	20.27	56.60
	Farmers and Merchants State Bank Plankinton, S.D.	commercial	2.60	2.23	107,837	26.64	40.97
75	Brazos National Bank Richwood, Texas	commercial	2.59	1.47	30,170	12.76	89.27
76	BLC Community Bank Little Chute, Wis.	commercial	2.58	1.79	186,592	16.18	53.96
	Coffee County Bank Manchester, Tenn.	commercial	2.58	2.54	141,910	20.37	46.60
	Crockett National Bank San Angelo, Texas	commercial	2.58	2.07	607,918	27.03	72.71
	State Bank of Georgia Fayetteville	commercial	2.58	0.79	68,403	17.35	81.17
	Tejas Bank Monahans, Texas	commercial	2.58	2.14	131,800	22.30	46.83
81	First National Bank Fabens, Texas	commercial	2.57	2.78	335,259	23.95	50.89
82	First Carolina Bank Rocky Mount, N.C.	commercial	2.54	-0.32	157,003	23.49	84.30
	Home Bank of California San Diego	commercial	2.54	2.55	136,090	14.18	46.27
	Peoples Bank Lawrence, Kan.	commercial	2.54	1.29	451,930	25.36	82.67
85	Peoples National Bank Colorado Springs, Colo.	commercial	2.53	1.40	353,555	25.11	74.47
86	Bank of Advance Mo.	commercial	2.52	2.44	318,335	16.28	49.86
	Cowboy Bank of Texas Maypearl	commercial	2.52	2.53	71,896	25.16	54.43
	University Bank Ann Arbor, Mich.	commercial	2.52	0.67	180,995	25.21	85.49
	Waggoner National Bank of Vernon Texas	commercial	2.52	2.52	278,288	18.74	45.74
90	Grant County State Bank Carson, N.D.	commercial	2.51	2.19	36,249	21.40	50.77
91	BANK VI Salina, Kan.	commercial	2.50	0.83	76,734	24.49	66.64
	Hodge Bank & Trust Co. La.	commercial	2.50	2.35	67,328	15.86	47.02
93	Volunteer State Bank Portland, Tenn.	commercial	2.49	1.68	530,489	24.37	68.85
94	Bank of Glen Ullin N.D.	commercial	2.47	2.11	56,316	25.21	44.68
	First State Bank Scottsbluff, Neb.	commercial	2.47	2.52	249,931	25.65	45.23
96	Vermillion State Bank Minn.	commercial	2.46	2.37	537,822	19.12	27.80
97	Commercial State Bank of Wagner S.D.	commercial	2.45	2.48	149,682	22.23	40.31
	First National Bank of America East Lansing, Mich.	commercial	2.45	1.90	822,669	23.47	45.99
	Great Plains National Bank Elk City, Okla.	commercial	2.45	3.02	554,698	26.27	70.35
100	Douglas National Bank Ga.	commercial	2.44	2.55	172,625	19.23	54.49
	Murphy Bank Fresno, Calif.	commercial	2.44	2.38	220,915	21.66	45.69
102	Bank of Hydro Okla.	commercial	2.42	2.48	127,019	29.40	43.46
	Central State Bank Pleasant Hill, Ill.	commercial	2.42	1.99	125,914	16.32	49.47
	US Metro Bank Garden Grove, Calif.	commercial	2.42	0.32	154,530	16.30	80.44
105	Bank of the West Thomas, Okla.	commercial	2.41	2.47	138,780	20.67	53.55
	Guaranty Bank & Trust Co. of Delhi La.	commercial	2.41	2.22	197,243	27.75	52.97
107	Kearny County Bank Lakin, Kan.	commercial	2.40	2.18	192,437	14.13	46.35
108	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	2.39	2.49	538,493	24.77	51.21
109	1st Bank & Trust Broken Bow, Okla.	commercial	2.37	2.26	131,917	27.17	49.42
	Bank of Geneva Ind.	commercial	2.37	2.13	224,106	20.82	51.28
	Brunswick State Bank Neb.	commercial	2.37	2.39	103,794	23.98	43.70
	Freedom Bank Huntingburg, Ind.	commercial	2.37	2.40	368,883	23.72	40.08
	New Century Bank Belleville, Kan.	commercial	2.37	1.96	36,771	22.32	70.23
	Peoples Bank & Trust Co. Owenton, Ky.	commercial	2.37	1.25	55,660	13.49	59.15
	Solon State Bank Iowa	commercial	2.37	2.43	92,451	10.15	45.36
116	First Community Bank Santa Rosa, Calif.	commercial	2.36	2.12	956,800	22.09	40.95
117	First Bank of Owasso Okla.	commercial	2.34	1.89	257,533	19.02	50.42
	First National Bank of Las Animas Colo.	commercial	2.34	2.36	326,584	20.55	47.01
	One American Bank Sioux Falls, S.D.	commercial	2.34	-0.31	82,424	14.40	66.63
120	ACB Bank Cherokee, Okla.	commercial	2.33	2.03	110,585	27.87	48.18
	Genoa Community Bank Neb.	commercial	2.33	1.17	63,274	21.96	50.83
	State Bank of De Kalb Texas	commercial	2.33	2.10	176,416	19.32	52.76
123	CFG Community Bank Baltimore	commercial	2.32	1.74	600,007	20.26	59.68
	North Valley Bank Thornton, Colo.	commercial	2.32	1.88	147,814	21.87	59.83
125	Wells Bank Platte City, Mo.	commercial	2.31	2.34	144,469	25.76	47.23
126	Affinity Bank Atlanta	commercial	2.30	0.33	256,900	44.00	96.34
	Bloomsdale Bank Mo.	commercial	2.30	2.19	218,135	22.26	44.24
	HNB National Bank Hannibal, Mo.	commercial	2.30	2.23	396,128	18.36	51.65
	Ultima Bank Minnesota Winger	commercial	2.30	2.37	163,084	25.73	50.70
130	Bank of Hemet Riverside, Calif.	commercial	2.29	2.54	609,269	22.20	47.82
	Beneficial State Bank Oakland, Calif.	commercial	2.29	0.54	463,932	21.04	76.92
	Bessemer Trust Co. Woodbridge, N.J.	commercial	2.29	2.91	538,557	25.53	77.98
	First National Bank of Picayune Miss.	commercial	2.29	2.38	207,323	17.01	53.78
	Goodfield State Bank Ill.	commercial	2.29	2.18	104,668	18.82	54.53
	Venture Bank Bloomington, Minn.	commercial	2.29	2.24	559,751	24.54	52.02
136	Farmers Bank Ault, Colo.	commercial	2.28	0.83	216,135	18.55	48.96
	United Community Bank of North Dakota Leeds	commercial	2.28	2.72	322,899	24.83	45.48
138	Central Bank and Trust Co. Hutchinson, Kan.	commercial	2.27	2.20	292,902	25.35	54.24
	Kensington Bank Minn.	commercial	2.27	0.94	155,811	21.31	58.02
	MBank Gresham, Ore.	commercial	2.27	2.98	175,388	20.92	88.82
	Security State Bank Cheyenne, Okla.	commercial	2.27	2.16	187,335	18.50	41.05
	Success Bank Bloomfield, Iowa	commercial	2.27	1.66	153,815	19.69	47.78
143	American Founders Bank Inc. Louisville, Ky.	commercial	2.26	-0.21	96,918	47.02	63.67
	Bank of Alma Wis.	commercial	2.26	2.21	225,633	5.52	16.74
	First Reliance Bank Florence, S.C.	commercial	2.26	1.39	373,502	18.36	83.46
	Paradise Bank Boca Raton, Fla.	commercial	2.26	1.96	297,717	20.28	62.60
147	Bank of Baker Mont.	commercial	2.25	1.98	153,149	25.17	41.63
	Bank of Buffalo Ky.	commercial	2.25	2.45	74,755	20.70	41.40
	Stone Bank Mountain View, Ark.	commercial	2.25	2.04	103,307	16.27	53.51
150	Bank of Rantoul Ill.	commercial	2.24	2.18	226,559	20.10	40.24
	TexasBank Brownwood, Texas	commercial	2.24	2.48	411,693	18.04	54.55
152	Asian Bank Philadelphia	commercial	2.23	0.63	134,655	26.48	69.59
	Freedom Bank Columbia Falls, Mont.	commercial	2.23	1.49	57,980	21.66	60.44
	Union Bank & Trust Co. Livingston, Tenn.	commercial	2.23	2.25	82,395	18.11	50.54
155	Bank of Galesville Wis.	commercial	2.22	1.66	96,765	13.23	56.63
	Farmers and Merchants State Bank of Pierz Minn.	commercial	2.22	2.05	181,419	21.13	48.58
	Points West Community Bank Julesburg, Colo.	commercial	2.22	2.34	225,066	22.53	46.33
	Delaware County Bank and Trust Co. Powell, Ohio	commercial	2.22	0.07	541,665	23.40	93.73
159	Bank of Prague Neb.	commercial	2.21	1.74	23,006	13.86	57.49
	First National Bank of Hughes Springs Texas	commercial	2.21	1.91	251,028	15.54	51.33
	First State Bank of Healy Kan.	commercial	2.21	2.48	89,670	11.59	34.32
	Quail Creek Bank Oklahoma City	commercial	2.21	2.04	590,617	22.05	48.14
	Ruby Valley National Bank Twin Bridges, Mont.	commercial	2.21	2.03	92,146	15.43	55.93
164	Morris Bank Dublin, Ga.	commercial	2.20	2.21	557,366	20.36	53.10
165	Bank of Mauston Wis.	commercial	2.19	1.91	284,544	20.29	42.26
166	Farmers Bank and Trust Co. Blytheville, Ark.	commercial	2.18	2.19	448,378	22.93	51.35
	First Intercontinental Bank Doraville, Ga.	commercial	2.18	1.73	286,636	14.29	53.14
	First National Bank & Trust of Elk City Okla.	commercial	2.18	2.04	314,822	19.63	42.76
	Town & Country Bank and Trust Co. Bardstown, Ky.	commercial	2.18	1.04	274,188	18.68	82.80
170	First Eagle Bank Chicago	commercial	2.17	2.01	473,486	14.89	41.85
	Midwest Bank Detroit Lakes, Minn.	commercial	2.17	2.16	369,293	22.60	49.58
	Morris State Bank Okla.	commercial	2.17	2.52	75,016	26.86	56.64
	State Bank of New Richland Minn.	commercial	2.17	1.84	101,967	22.12	38.95
174	Community Bank of the South Smyrna, Ga.	commercial	2.16	1.45	369,733	22.83	60.73
	First National Bank and Trust Co. of Okmulgee Okla.	commercial	2.16	1.25	268,530	17.73	56.99
	Lowry State Bank Minn.	commercial	2.16	2.25	44,056	21.35	56.72
	McFarland State Bank Wis.	commercial	2.16	1.73	431,140	15.96	57.97
	Preston National Bank Dallas	commercial	2.16	1.98	64,053	15.60	64.29
179	Commercial Bank of Mott N.D.	commercial	2.15	2.12	97,320	17.33	46.36
	First Bank of Okarche Okla.	commercial	2.15	1.94	83,763	18.28	42.99
	Pinnacle Bank-Wyoming Torrington	commercial	2.15	1.47	713,926	23.70	54.29
	Wyoming Bank & Trust Cheyenne	commercial	2.15	1.97	169,109	20.42	82.01
183	Bank of Tescott Kan.	commercial	2.14	2.08	335,396	16.92	46.45
	Exchange Bank and Trust Co. Perry, Okla.	commercial	2.14	2.18	273,933	21.75	51.41
	Nodaway Valley Bank Maryville, Mo.	commercial	2.14	2.16	838,542	17.02	53.00
	Peoples Bank Rock Valley, Iowa	commercial	2.14	2.10	466,416	18.07	46.74
187	Bank of England Ark.	commercial	2.13	1.73	318,361	19.59	87.66
	Citizens State Bank Okemah, Okla.	commercial	2.13	1.87	336,426	23.44	78.11
	Fahey Banking Co. Marion, Ohio	commercial	2.13	1.07	207,796	9.09	47.19
	First State Bank of Beecher City Ill.	commercial	2.13	2.03	68,802	14.55	50.88
191	Bank of Okolona Miss.	commercial	2.12	2.02	159,827	18.56	54.53
	Four Corners Community Bank Farmington, N.M.	commercial	2.12	1.63	306,762	20.46	48.56
193	The Bank Oberlin, Kan.	commercial	2.11	2.01	338,397	20.51	35.74
	First State Bank Shallowater, Texas	commercial	2.11	1.86	87,448	13.89	56.30
	Luana Savings Bank Iowa	commercial	2.11	2.00	776,136	22.59	35.69
	Security First Bank of North Dakota Center	commercial	2.11	2.20	185,225	18.70	58.37
	State Bank Hoxie, Kan.	commercial	2.11	1.73	147,868	18.07	46.75
	Wallis State Bank Texas	commercial	2.11	2.26	447,608	20.56	63.12
199	BankWest Inc. Pierre, S.D.	commercial	2.10	2.10	915,092	20.13	64.03
	City Savings Bank & Trust Co. DeRidder, La.	commercial	2.10	2.13	313,402	20.32	58.59

Note: Independent banks and thrifts operating as of Feb. 16, 2016, 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