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 March 31, 2016. Dollars in thousands
Published May 16, 2016

Rank Company Type of
institution
Return on
avg. assets
Total
assets
Return on
avg. equity
Efficiency
ratio
1Q 2016 1Q 2015
1 Commerce Bank of Temecula Valley Murrieta, Calif. commercial 15.55% 0.16% $71,434 93.73% 89.23%
2 Peoples Bank & Trust Co. Ryan, Okla. commercial 11.18 16.09 31,759 67.11 84.81
3 State Bank of Texas Dallas commercial 8.52 4.90 675,455 46.91 14.27
4 Citizens Bank of Cochran Ga. commercial 8.42 0.15 74,614 67.66 71.78
5 Haverford Trust Co. Radnor, Pa. commercial 7.43 6.37 113,426 41.75 76.76
6 Town & Country Bank and Trust Co. Bardstown, Ky. commercial 7.09 1.15 282,810 54.69 81.54
7 Peoples State Bank of Commerce Nolensville, Tenn. commercial 6.61 0.84 152,490 77.31 74.26
8 Bank of Montana Missoula commercial 5.90 1.58 58,143 51.57 31.16
9 PrinsBank Prinsburg, Minn. commercial 5.64 4.00 125,366 43.72 38.01
10 Mainland Bank Texas City, Texas commercial 5.39 1.90 124,931 53.12 37.18
11 First Credit Bank Los Angeles commercial 5.30 6.09 417,670 12.09 9.97
12 Independence Bank East Greenwich, R.I. commercial 4.65 1.82 39,181 22.61 56.23
13 Brazos National Bank Richwood, Texas commercial 4.60 0.73 30,699 22.47 81.86
14 Peoples State Bank McDonald, Kan. commercial 4.59 2.52 129,428 48.52 34.12
15 Anchor State Bank Ill. commercial 4.47 0.29 14,118 41.22 75.59
16 Continental Bank Salt Lake City commercial 4.17 4.54 171,783 23.71 43.32
17 RidgeStone Bank Brookfield, Wis. commercial 3.99 3.11 433,223 29.84 48.95
18 First Financial Bank El Dorado, Ark. commercial 3.72 2.49 869,056 30.55 49.20
19 First National Bank of Le Center Minn. commercial 3.67 1.84 86,005 28.51 39.53
20 Columbia National Bank Ill. commercial 3.61 0.45 49,058 29.49 45.75
21 Mid America Bank & Trust Co. Dixon, Mo. commercial 3.57 3.20 151,025 19.23 39.14
22 New Century Bank Belleville, Kan. commercial 3.54 0.33 36,822 34.40 53.82
23 First Bank of Chandler Okla. commercial 3.49 2.44 88,359 30.68 36.85
24 American Exchange Bank Henryetta, Okla. commercial 3.48 1.18 61,856 29.51 50.88
  FirsTier Bank Kimball, Neb. commercial 3.48 1.67 240,736 21.63 42.46
26 First Bank of Baldwin Wis. commercial 3.47 0.75 151,633 34.11 75.23
27 First Home Bank Seminole, Fla. commercial 3.46 2.41 115,751 35.48 47.59
28 Volunteer State Bank Portland, Tenn. commercial 3.40 2.25 530,740 29.70 62.59
29 Solon State Bank Iowa commercial 3.36 2.01 90,615 13.94 40.50
30 Grand River Bank Grandville, Mich. commercial 3.26 0.39 181,321 34.15 88.13
31 NOA Bank Duluth, Ga. commercial 3.22 3.20 253,888 24.29 51.82
32 First Federal Savings and Loan Bank Olathe, Kan. commercial 3.20 2.98 81,275 29.53 33.57
33 F&M Bank and Trust Co. Manchester, Ga. commercial 3.19 -0.29 81,171 66.98 60.24
34 First National Bank South Alma, Ga. commercial 3.18 2.25 341,619 20.89 44.40
35 Spring Valley Bank Wyoming, Ohio commercial 3.14 2.65 68,564 7.41 42.03
36 North Shore Bank of Commerce Duluth, Minn. commercial 3.13 0.86 248,215 47.79 55.28
37 Liberty Bank Minnesota St. Cloud commercial 3.09 1.47 197,547 26.86 54.56
  Primebank Le Mars, Iowa commercial 3.09 1.45 360,408 26.50 40.08
39 Nebraska State Bank Oshkosh commercial 3.04 4.14 49,678 22.83 39.17
  Peoples Community Bank Greenville, Mo. commercial 3.04 3.30 420,597 20.06 41.81
41 First Heritage Bank Shenandoah, Iowa commercial 3.03 1.05 40,264 27.15 48.91
42 WoodTrust Bank Wisconsin Rapids, Wis. commercial 3.00 2.70 354,915 31.49 48.82
43 Commercial State Bank of Wagner S.D. commercial 2.98 2.38 152,315 26.06 39.46
  Farmers and Merchants Bank of Kendall Wis. commercial 2.98 2.73 71,999 21.79 46.76
45 Bank of Morton Miss. commercial 2.97 2.66 66,278 21.87 51.13
46 Grand Savings Bank Grove, Okla. commercial 2.95 0.74 346,562 30.94 58.68
47 First National Bank of Evant Texas commercial 2.94 1.64 76,503 33.26 48.53
48 Bank of Prague Neb. commercial 2.93 2.21 23,084 17.15 49.88
  Central Bank of Kansas City Mo. commercial 2.93 3.14 143,039 14.91 61.93
50 Corydon State Bank Iowa commercial 2.92 2.70 104,478 15.54 21.51
51 Preferred Community Bank Fort Myers, Fla. commercial 2.90 0.95 110,273 25.73 38.56
52 Metro City Bank Doraville, Ga. commercial 2.89 2.70 726,367 22.78 39.86
53 Waggoner National Bank of Vernon Texas commercial 2.87 2.81 282,207 21.52 46.83
54 Cooperative Bank Roslindale, Mass. cooperative 2.86 0.43 338,907 28.37 73.89
55 Peoples Bank of the South LaFollette, Tenn. commercial 2.85 1.46 139,843 19.76 52.56
56 Citizens State Bank Miles, Texas commercial 2.80 2.95 123,342 31.98 44.15
57 Premier Bank Rock Valley, Iowa commercial 2.78 2.73 347,506 22.71 30.48
  Prime Bank Edmond, Okla. commercial 2.78 2.53 246,080 27.10 37.78
59 State Bank of Wheaton Minn. commercial 2.73 4.63 84,190 13.50 35.83
60 First National Bank Fort Pierre, S.D. commercial 2.72 2.88 859,606 11.21 39.60
61 Bank 7 Oklahoma City commercial 2.71 2.71 575,489 29.54 41.74
  Hodge Bank & Trust Co. La. commercial 2.71 2.47 67,012 16.53 47.93
  Northwestern Bank Chippewa Falls, Wis. commercial 2.71 1.41 403,148 24.05 45.33
64 NewBank Flushing, N.Y. commercial 2.70 3.35 275,316 20.92 38.45
65 Bank of Glen Ullin N.D. commercial 2.68 2.33 55,681 25.73 39.51
  National Bank of Andrews Texas commercial 2.68 2.59 177,047 24.64 53.95
67 Commercial Bank Crawford, Ga. commercial 2.67 2.17 129,344 24.97 45.84
68 First Bank & Trust Co. Wagoner, Okla. commercial 2.66 2.52 275,005 21.41 45.52
  Heritage State Bank Lawrenceville, Ill. commercial 2.66 2.37 86,229 25.57 49.33
  State Bank Hoxie, Kan. commercial 2.66 2.18 148,864 21.96 37.68
71 Bank of Alma Wis. commercial 2.65 2.07 226,062 6.59 15.88
  Bank of Hydro Okla. commercial 2.65 2.08 124,422 29.47 41.88
73 Ultima Bank Minnesota Winger commercial 2.64 2.11 160,080 28.36 48.99
74 Security State Bank Sutherland, Iowa commercial 2.63 2.58 118,727 28.98 33.42
  St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.63 2.39 558,788 27.02 46.34
76 Coffee County Bank Manchester, Tenn. commercial 2.62 2.33 146,466 20.75 49.11
77 EvaBank Cullman, Ala. commercial 2.61 2.75 358,327 14.86 37.82
78 First Eagle Bank Chicago commercial 2.60 1.96 476,422 18.20 38.35
  Stockmens Bank Colorado Springs, Colo. commercial 2.60 1.50 93,452 26.35 44.17
80 High Plains Bank Keyes, Okla. commercial 2.59 2.53 81,336 24.06 38.93
81 First Intercontinental Bank Doraville, Ga. commercial 2.57 2.00 298,594 15.74 47.37
82 St. Clair State Bank Inc. Minn. commercial 2.55 2.28 84,940 20.78 30.41
83 Cross River Bank Teaneck, N.J. commercial 2.54 2.17 411,957 24.22 48.93
  Jefferson Bank Greenville, Miss. commercial 2.54 1.61 100,957 14.25 40.07
85 Peoples State Bank Summit, S.D. commercial 2.53 2.93 62,232 21.80 41.94
86 First Bank of Owasso Okla. commercial 2.52 1.96 276,444 20.43 47.18
87 Citizens State Bank of La Crosse Wis. commercial 2.51 2.49 192,958 29.27 49.71
  First State Bank of Healy Kan. commercial 2.51 3.04 88,791 13.21 31.48
89 Surety Bank Deland, Fla. commercial 2.50 1.25 91,656 19.08 53.84
  Yellowstone Bank Laurel, Mont. commercial 2.50 2.55 698,253 15.84 41.86
91 Premier Business Bank Los Angeles commercial 2.49 0.73 438,219 28.13 51.56
92 Bank of Commerce Stilwell, Okla. commercial 2.48 1.44 87,123 19.83 50.61
  KodaBank Drayton, N.D. commercial 2.48 2.16 140,403 22.23 43.96
94 Bank of Commerce Duncan, Okla. commercial 2.47 2.06 286,174 20.71 54.51
  Guaranty Bank & Trust Co. of Delhi La. commercial 2.47 2.30 203,973 28.09 54.04
  Heartland State Bank Redfield, S.D. commercial 2.47 2.36 78,216 20.58 50.92
  NewFirst National Bank El Campo, Texas commercial 2.47 1.93 609,156 22.91 56.18
  Texas Bank Financial Weatherford commercial 2.47 2.07 181,401 27.18 72.45
99 Central State Bank Pleasant Hill, Ill. commercial 2.46 2.66 127,968 16.70 46.81
  Farmers Exchange Bank Cherokee, Okla. commercial 2.46 2.88 331,792 28.23 36.72
  Vermillion State Bank Minn. commercial 2.46 2.14 533,691 17.84 27.51
  Marlin Business Bank Salt Lake City commercial 2.46 3.06 777,862 14.74 48.72
103 First Community Bank Santa Rosa, Calif. commercial 2.45 1.99 988,839 21.37 40.09
  First National Bank of Las Animas Colo. commercial 2.45 2.56 335,976 21.15 52.47
  State Bank of De Kalb Texas commercial 2.45 2.11 184,387 19.56 52.68
106 The Bank Oberlin, Kan. commercial 2.44 1.70 332,887 22.86 31.44
107 Security Bank Tulsa, Okla. commercial 2.43 2.56 496,562 20.07 34.91
  TransCapital Bank Sunrise, Fla. commercial 2.43 2.09 175,790 14.58 63.53
109 Bank of Cordell Okla. commercial 2.42 1.95 44,574 30.58 48.20
  Legence Bank Eldorado, Ill. commercial 2.42 2.99 305,092 21.43 65.14
111 1st Bank & Trust Broken Bow, Okla. commercial 2.41 2.29 138,296 27.72 47.11
  Bank of the West Thomas, Okla. commercial 2.41 2.42 141,432 20.58 52.63
  Murphy Bank Fresno, Calif. commercial 2.41 2.54 224,486 21.58 47.14
114 Freedom Bank Huntingburg, Ind. commercial 2.40 2.38 372,568 23.59 38.74
115 Farmers and Merchants State Bank Plankinton, S.D. commercial 2.39 2.57 102,382 24.82 39.74
116 First National Bank of America East Lansing, Mich. commercial 2.38 2.10 900,480 23.00 46.00
117 First State Bank of Beecher City Ill. commercial 2.37 2.08 70,495 15.12 48.91
118 Farmers Trust & Savings Bank Williamsburg, Iowa commercial 2.36 2.12 134,939 10.33 43.29
119 First State Bank Shallowater, Texas commercial 2.35 1.62 99,359 15.53 49.86
  Riverside Bank Sparkman, Ark. commercial 2.35 2.85 60,141 25.74 53.36
121 Bank of Buffalo Ky. commercial 2.34 2.43 75,538 21.71 38.83
  First National Bank Fabens, Texas commercial 2.34 3.18 345,755 20.86 52.64
  State Bank of New Richland Minn. commercial 2.34 2.19 98,608 23.75 39.80
124 ACB Bank Cherokee, Okla. commercial 2.33 2.72 107,239 26.82 45.98
  CFG Community Bank Baltimore commercial 2.33 0.39 616,676 18.17 59.70
  First National Bank of Picayune Miss. commercial 2.33 2.13 206,986 17.00 50.84
  Plains Commerce Bank Hoven, S.D. commercial 2.33 2.01 595,260 17.27 60.04
  Wells Bank Platte City, Mo. commercial 2.33 2.15 191,289 29.76 46.69
129 Douglas National Bank Ga. commercial 2.32 2.43 170,274 19.02 53.97
  Farmers & Merchants State Bank of Cawker City Kan. commercial 2.32 2.27 17,338 22.83 46.52
  TexasBank Brownwood commercial 2.32 2.31 409,379 17.17 54.23
132 First Security Bank of Roundup Mont. commercial 2.30 1.45 49,853 20.34 53.61
  Security State Bank Cheyenne, Okla. commercial 2.30 2.17 186,982 17.01 40.59
134 First State Bank Farnam, Neb. commercial 2.29 1.05 114,624 16.60 51.11
  NBKC Bank Overland Park, Kan. commercial 2.29 0.70 674,666 17.51 81.38
136 Home State Bank Royal, Iowa commercial 2.28 1.77 47,137 8.29 38.62
  Northpointe Bank Grand Rapids, Mich. commercial 2.28 6.20 440,808 22.98 66.29
  Peoples State Bank Cherryvale, Kan. commercial 2.28 2.02 18,809 9.61 57.09
  Savoy Bank New York commercial 2.28 0.51 214,738 19.94 47.80
140 First National Bank in Okeene Okla. commercial 2.27 1.72 71,555 13.13 42.28
  Kearny County Bank Lakin, Kan. commercial 2.27 2.18 193,550 13.07 44.82
  State Bank of Bellingham Minn. commercial 2.27 1.57 47,208 24.54 41.98
143 First National Bank & Trust of Elk City Okla. commercial 2.26 2.45 320,054 20.10 41.67
144 Bank of Geneva Ind. commercial 2.25 2.54 224,017 19.38 50.37
  Bank of Mauston Wis. commercial 2.25 2.30 287,430 20.62 42.46
  Oklahoma State Bank Buffalo commercial 2.25 1.70 56,506 26.66 54.56
147 Alva State Bank & Trust Co. Okla. commercial 2.24 1.77 338,530 20.27 34.67
148 Bank of Advance Mo. commercial 2.23 2.40 305,071 16.59 53.89
  Community Bank Longview, Texas commercial 2.23 2.22 223,981 24.05 41.59
150 First Colorado National Bank Paonia commercial 2.22 2.76 60,163 12.13 72.07
151 Farmers and Merchants State Bank of Pierz Minn. commercial 2.21 1.89 176,718 20.25 50.53
  HNB National Bank Hannibal, Mo. commercial 2.21 2.17 402,681 16.72 53.40
  Justin State Bank Texas commercial 2.21 1.53 66,102 16.27 58.33
154 Bank of Galesville Wis. commercial 2.20 2.19 93,889 12.42 57.43
  First General Bank Rowland Heights, Calif. commercial 2.20 1.89 756,417 19.42 25.86
  First National Bank of Bemidji Minn. commercial 2.20 2.05 643,654 14.98 48.53
  West Texas State Bank Odessa commercial 2.20 1.13 411,191 20.95 65.30
158 Brunswick State Bank Neb. commercial 2.19 2.17 101,532 21.72 42.64
  First Whitney Bank and Trust Atlantic, Iowa commercial 2.19 2.19 210,228 19.94 29.99
  Maynard Savings Bank Iowa commercial 2.19 2.01 58,010 15.20 38.46
  North Valley Bank Thornton, Colo. commercial 2.19 2.04 151,333 19.16 56.81
162 Bellevue State Bank Iowa commercial 2.18 2.08 93,939 16.08 45.76
  Home Bank of California San Diego commercial 2.18 2.12 134,292 13.06 49.88
  Peoples Bank Rock Valley, Iowa commercial 2.18 2.12 461,276 18.07 46.59
  Venture Bank Bloomington, Minn. commercial 2.18 2.57 572,216 22.34 52.45
166 Central Bank and Trust Co. Hutchinson, Kan. commercial 2.17 2.46 291,624 23.11 52.18
  Coastal Commerce Bank Houma, La. commercial 2.17 1.95 430,579 21.63 54.65
168 Liberty State Bank Powers Lake, N.D. commercial 2.16 2.35 82,056 18.73 32.54
  Points West Community Bank Julesburg, Colo. commercial 2.16 2.46 221,640 21.78 46.22
  Quail Creek Bank Oklahoma City commercial 2.16 2.09 584,489 20.70 49.32
  Security State Bank Farwell, Texas commercial 2.16 2.66 137,024 17.87 37.95
172 Farmers Bank Ault, Colo. commercial 2.15 1.90 215,842 16.37 49.12
  First Enterprise Bank Oklahoma City commercial 2.15 1.93 163,713 19.18 63.28
  King Southern Bank Chaplin, Ky. commercial 2.15 1.83 177,058 19.43 54.38
  Twin Lakes Community Bank Flippin, Ark. commercial 2.15 1.09 122,466 16.86 49.67
176 Charter Bank Eau Claire, Wis. commercial 2.14 2.53 826,024 16.51 41.18
  Farmers and Merchants State Bank of Blooming Prairie Minn. commercial 2.14 1.68 79,487 24.05 53.30
  Goodfield State Bank Ill. commercial 2.14 2.33 106,041 17.38 54.33
  NSB Bank Mason City, Iowa commercial 2.14 1.84 195,624 22.66 40.83
180 Bank of Newington Ga. commercial 2.13 1.10 91,704 24.47 54.41
  Citizens State Bank Marysville, Kan. commercial 2.13 2.11 309,511 20.11 36.03
  Marion County State Bank Pella, Iowa commercial 2.13 2.19 284,256 19.01 41.25
183 Cambridge State Bank Minn. commercial 2.12 0.50 67,108 15.65 59.66
  Farmers Bank and Trust Co. Blytheville, Ark. commercial 2.12 2.15 462,081 22.26 50.45
  Grant County State Bank Swayzee, Ind. commercial 2.12 2.12 143,496 20.22 39.38
  Resurgens Bank Tucker, Ga. commercial 2.12 1.82 155,357 17.98 57.94
  St. Henry Bank Ohio commercial 2.12 2.02 311,013 15.35 37.29
188 Bank of England Ark. commercial 2.11 2.30 340,668 16.69 88.27
  First Bank Burkburnett, Texas commercial 2.11 1.85 349,600 21.45 70.70
  Haviland State Bank Kan. commercial 2.11 1.58 41,383 17.06 41.07
  Titan Bank Mineral Wells, Texas commercial 2.11 2.10 88,347 18.06 63.74
192 BOM Montgomery, La. commercial 2.10 2.02 284,888 21.99 61.84
  International Bank of Chicago commercial 2.10 1.57 502,978 15.68 43.39
  Luana Savings Bank Iowa commercial 2.10 2.03 812,899 22.97 31.27
  Security First Bank of North Dakota Center commercial 2.10 1.87 178,556 16.92 58.18
196 Century Bank of the Ozarks Gainesville, Mo. commercial 2.09 1.74 172,928 22.82 58.32
  Municipal Trust and Savings Bank Bourbonnais, Ill. commercial 2.09 2.11 286,825 10.24 39.73
  Union Bank & Trust Co. Livingston, Tenn. commercial 2.09 2.87 81,420 16.64 50.84
199 City Savings Bank & Trust Co. DeRidder, La. commercial 2.08 2.33 319,413 18.94 58.85
  First State Bank Watonga, Okla. commercial 2.08 1.95 61,955 20.89 57.49

Note: Independent banks and thrifts operating as of May 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
, Charlottesville, Va.
© 2016 American Banker