Community Banks with the Highest Returns on Average Assets

View Table
Printer Friendly Version
Community Banks with the Highest Returns on Average Assets

Community Banks with the Highest Returns on Average AssetsOn Sept. 30, 2011. Dollars in thousands
Published January 17, 2012

Rank   Type of
institution
Return on avg. assets Assets Return on avg. equity Efficiency ratio
3Q 2011 3Q 2010
1 American First National Bank Houston commercial 12.40% 1.04% $967,540 118.39% 9.05%
2 Continental Bank Salt Lake City commercial 11.34 10.81 107,728 48.78 27.27
3 Iowa State Bank Clarksville commercial 8.28 1.06 205,729 126.82 -121.23
4 American State Bank Arp, Texas commercial 7.10 1.05 207,830 42.69 29.80
5 American Riviera Bank Santa Barbara, Calif. commercial 6.79 1.27 135,720 43.38 75.00
6 Xenith Bank Richmond, Va. commercial 6.69 -3.30 468,614 38.33 35.85
7 First Bank Roxton Texas commercial 6.49 0.20 53,303 92.93 104.40
8 Bank 7 Oklahoma City commercial 6.35 1.79 201,285 55.86 31.36
9 Lyons State Bank Kan. commercial 6.17 0.81 88,531 64.11 23.62
10 Live Oak Banking Co. Wilmington, N.C. commercial 6.09 6.01 259,006 54.38 51.78
11 Enterprise Bank of Florida North Palm Beach commercial 5.90 0.09 240,259 53.71 64.06
12 First General Bank Rowland Heights, Calif. commercial 5.35 0.72 510,810 60.62 26.71
13 Capital Bank Rockville, Md. commercial 5.15 0.82 325,141 60.85 75.99
14 First Colorado National Bank Paonia commercial 4.93 -1.65 48,261 29.11 55.28
15 Spring Valley Bank Wyoming, Ohio commercial 4.50 4.25 66,558 11.40 11.20
16 Peoples State Bank Cherryvale, Kan. commercial 4.34 4.66 15,528 15.19 46.63
17 Merchants Bank of Indiana Lynn commercial 4.32 7.57 536,282 35.54 30.46
18 Security Bank and Trust Co. Paris, Tenn. commercial 4.27 2.57 175,412 45.33 33.21
19 Goodfield State Bank Ill. commercial 4.23 4.78 68,471 33.80 38.03
20 Preston National Bank Dallas commercial 4.21 1.53 57,974 29.43 50.04
21 Points West Community Bank Julesburg, Colo. commercial 4.15 1.44 201,051 50.43 35.64
22 Central Bank Tampa, Fla. commercial 4.13 0.97 79,697 32.62 63.97
23 Corydon State Bank Iowa commercial 4.00 3.82 77,076 26.67 21.15
24 Central State Bank Clayton, Ill. commercial 3.75 4.47 90,726 26.18 37.12
25 Foothills Bank Yuma, Ariz. commercial 3.64 1.22 284,261 33.81 33.65
26 Peoples Community Bank Greenville, Mo. commercial 3.50 3.36 131,191 23.10 43.68
27 First Financial Bank El Dorado, Ark. commercial 3.48 2.87 779,842 38.13 47.85
TexasBank Brownwood commercial 3.48 3.42 293,337 25.70 44.16
29 Citizens State Bank of La Crosse Wis. commercial 3.44 3.84 105,015 42.19 40.98
30 Senath State Bank Mo. commercial 3.43 2.89 57,189 22.23 42.49
31 Bank of Prague Neb. commercial 3.42 3.65 21,358 21.11 38.22
32 Farmers and Merchants Bank of Kendall Wis. commercial 3.39 3.37 56,040 28.00 37.51
33 First Credit Bank Los Angeles commercial 3.34 4.87 459,860 11.86 28.58
34 Bank of Monticello Ga. commercial 3.32 0.01 99,580 41.34 39.09
35 Crestmark Bank Troy, Mich. commercial 3.26 3.11 360,428 27.55 60.58
36 Citizens Bank Claude, Texas commercial 3.25 1.44 112,129 31.76 67.48
First National Bank of Hughes Springs Texas commercial 3.25 2.01 181,700 24.91 47.52
38 Landmark Community Bank Collierville, Tenn. commercial 3.24 0.48 278,714 29.13 56.67
39 Farmers Trust and Savings Bank Williamsburg, Iowa commercial 3.23 2.81 131,936 17.80 38.45
40 Bank of Commerce McLean, Texas commercial 3.22 1.68 25,409 26.79 47.74
41 Benchmark Bank Plano, Texas commercial 3.20 4.55 320,609 24.56 73.86
42 American Trust and Savings Bank Dubuque, Iowa commercial 3.18 1.30 849,188 28.47 68.09
43 BankAsiana Palisades Park, N.J. commercial 3.17 1.19 180,007 21.77 56.47
44 Bank of Montgomery La. commercial 3.15 2.36 173,179 33.10 47.86
45 Bank of Buffalo Ky. commercial 3.14 3.32 70,509 33.22 32.38
Lowry State Bank Minn. commercial 3.14 1.42 37,575 32.68 44.49
47 Riverside Bank Sparkman, Ark. commercial 3.13 2.70 61,396 40.22 45.38
48 Peoples Community State Bank Doniphan, Mo. commercial 3.12 2.68 131,396 21.55 42.74
49 First Tuskegee Bank Ala. commercial 3.11 3.64 66,726 35.07 63.27
50 Sargent County Bank Forman, N.D. commercial 3.09 2.71 95,155 21.73 24.07
51 West Town Savings Bank Cicero, Ill. savings 3.05 3.51 116,796 33.10 74.41
52 Lubbock National Bank Texas commercial 3.03 0.54 710,638 30.45 66.32
53 Solon State Bank Iowa commercial 3.02 2.84 83,503 15.04 37.57
54 State Bank of New Richland Minn. commercial 2.94 2.34 90,517 31.06 35.01
55 Clinton State Bank Minn. commercial 2.93 2.94 67,398 21.61 29.89
56 CheckSpring Bank Bronx, N.Y. commercial 2.92 -3.83 57,574 20.89 68.11
First American Bank Stonewall, Okla. commercial 2.92 2.84 24,623 26.61 54.91
Oak Creek Valley Bank Valparaiso, Neb. commercial 2.92 2.48 63,489 24.15 29.99
59 Crown Bank Brick, N.J. commercial 2.91 3.54 575,954 22.84 43.12
First State Bank of Porter Okla. commercial 2.91 2.33 34,915 19.34 59.46
Landmands Bank Audubon, Iowa commercial 2.91 2.63 59,082 29.23 51.49
62 Charter Bank Corpus Christi, Texas commercial 2.90 2.77 200,561 36.04 50.04
63 Ruby Valley National Bank Twin Bridges, Mont. commercial 2.89 3.66 77,750 20.91 44.76
64 Flagler Bank West Palm Beach, Fla. commercial 2.88 -1.07 113,063 47.09 93.77
UNICO Bank Mineral Point, Mo. commercial 2.88 1.07 231,384 31.34 61.75
66 Empire National Bank Islandia, N.Y. commercial 2.87 0.60 310,131 27.69 87.03
Payne County Bank Perkins, Okla. commercial 2.87 3.18 124,850 15.77 43.89
St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.87 1.75 338,675 23.50 51.08
69 Brunswick State Bank Neb. commercial 2.86 3.95 74,698 29.47 42.06
Farmers and Merchants State Bank of Pierz Minn. commercial 2.86 2.96 169,671 26.83 45.65
71 City Savings Bank and Trust Co. De Ridder, La. commercial 2.84 2.34 209,218 24.05 52.32
First Star Bank SSB Bremond, Texas savings 2.84 2.49 249,731 31.86 58.01
Heritage State Bank Lawrenceville, Ill. commercial 2.84 3.14 72,483 30.86 49.04
74 Cache Valley Bank Logan, Utah commercial 2.83 1.37 316,045 20.91 39.10
75 Commercial State Bank of Wagner S.D. commercial 2.82 1.73 128,844 26.93 36.30
Prime Bank Edmond, Okla. commercial 2.82 2.26 128,825 28.73 42.90
77 First Bank and Trust Co. Lubbock, Texas commercial 2.81 0.14 530,732 31.31 61.35
78 Alliant Bank Madison, Mo. commercial 2.80 1.14 107,859 28.19 62.00
79 Farmers State Bank Hosmer, S.D. commercial 2.78 1.41 16,891 18.09 52.83
Peoples State Bank McDonald, Kan. commercial 2.78 2.01 108,596 32.57 52.07
81 Community First Bank of the Heartland Mount Vernon, Ill. commercial 2.77 2.33 99,907 27.61 43.99
Premier Bank Rock Valley, Iowa commercial 2.77 2.75 236,089 26.07 32.42
Yellowstone Bank Laurel, Mont. commercial 2.77 2.30 433,395 15.17 32.92
84 First National Bank of Fairfax Minn. commercial 2.76 1.27 26,978 7.51 39.60
Haverford Trust Co. Radnor, Pa. commercial 2.76 2.39 102,566 15.35 86.03
Pioneer Savings Bank Cleveland savings 2.76 0.62 27,777 12.61 76.24
87 First Bank of Berne Ind. commercial 2.75 2.50 420,199 26.76 43.33
88 Bank of Baker Mont. commercial 2.74 2.63 121,817 31.77 32.65
Farmers Bank Carnegie, Okla. commercial 2.74 2.13 55,147 29.57 49.69
90 Cowboy Bank of Texas Maypearl commercial 2.73 2.10 48,391 27.82 55.94
91 Morris State Bank Okla. commercial 2.71 2.22 64,430 30.62 50.26
92 Bank of Ohio County Inc. Beaver Dam, Ky. commercial 2.68 2.58 90,713 14.74 41.31
Commercial Capital Bank Delhi, La. commercial 2.68 2.71 49,803 23.56 52.40
94 Bank of Advance Mo. commercial 2.66 2.66 246,977 16.35 45.71
Great Plains National Bank Elk City, Okla. commercial 2.66 2.78 379,334 30.16 58.57
96 Sicily Island State Bank La. commercial 2.64 1.91 35,278 18.38 57.27
97 Bank of Las Vegas N.M. commercial 2.62 1.32 193,527 28.28 48.16
98 Bank of Glen Ullin N.D. commercial 2.61 2.26 43,190 22.52 38.11
99 Great Plains Bank Eureka, S.D. commercial 2.60 1.95 99,804 31.27 35.80
100 First National Bank George West, Texas commercial 2.59 1.95 222,957 24.54 49.85
101 Bitterroot Valley Bank Lolo, Mont. commercial 2.57 1.42 198,871 25.19 48.94
Farmers and Merchants State Bank Plankinton, S.D. commercial 2.57 2.80 80,422 26.79 39.43
First National Bank of Las Animas Colo. commercial 2.57 1.61 248,151 22.22 56.32
104 Ashton State Bank Iowa commercial 2.56 0.59 36,849 21.05 38.22
Garden City State Bank Kan. commercial 2.56 2.19 66,613 19.85 49.40
Guthrie County State Bank Panora, Iowa commercial 2.56 1.52 108,860 28.54 60.30
107 Security State Bank Sutherland, Iowa commercial 2.55 2.52 79,854 30.63 40.17
United Community Bank of North Dakota Leeds commercial 2.55 3.05 226,557 29.98 40.46
109 Bank of England Ark. commercial 2.54 2.58 235,110 24.44 75.02
Lusk State Bank Wyo. commercial 2.54 2.18 49,197 27.28 50.79
Mainland Bank Texas City, Texas commercial 2.54 2.42 94,393 27.38 57.45
Tustin Community Bank Calif. commercial 2.54 2.04 58,269 17.13 66.85
113 First State Bank of Le Center Minn. commercial 2.53 2.07 66,309 23.16 49.90
Home State Bank Royal, Iowa commercial 2.53 2.47 39,413 8.05 30.19
Peoples Bank Mendenhall, Miss. commercial 2.53 1.92 223,740 27.06 47.23
116 Bank of Galesville Wis. commercial 2.52 2.80 83,125 17.30 53.20
Farmers State Bank of Adams Minn. commercial 2.52 2.26 80,667 19.86 39.13
Northstar Bank Bad Axe, Mich. commercial 2.52 1.47 237,895 22.91 63.20
Peoples Bank of Wisconsin Hayward commercial 2.52 1.51 273,546 16.39 34.53
120 Catahoula-LaSalle Bank Jonesville, La. commercial 2.50 2.19 101,458 21.02 51.45
First Southeast Bank Harmony, Minn. commercial 2.50 1.16 79,503 32.07 66.18
Town and Country Bank of Quincy Ill. commercial 2.50 2.49 104,377 21.20 56.99
Wyoming Bank and Trust Cheyenne commercial 2.50 1.14 117,824 24.59 78.84
124 American Interstate Bank Elkhorn, Neb. commercial 2.49 2.20 107,498 29.04 39.91
Chickasha Bank and Trust Co. Okla. commercial 2.49 1.11 169,580 25.18 70.09
First State Bank of Healy Kan. commercial 2.49 0.97 68,519 12.63 40.23
OakStar Bank Springfield, Mo. commercial 2.49 0.63 188,682 21.49 71.40
128 Bank of Hydro Okla. commercial 2.48 1.85 116,065 30.84 42.31
Bank of the West El Paso, Texas commercial 2.48 2.24 972,004 29.22 47.41
First Bank Upper Michigan Gladstone commercial 2.48 2.50 172,955 15.03 47.67
First National Bank of Muskogee Okla. commercial 2.48 2.03 161,510 28.66 54.85
132 Marion County State Bank Pella, Iowa commercial 2.46 2.24 225,137 21.30 36.84
St. Henry Bank Ohio commercial 2.46 1.75 230,465 14.58 30.12
State Bank of Lima Ill. commercial 2.46 2.26 31,331 22.65 50.80
Union State Bank of Everest Kan. commercial 2.46 1.85 209,854 22.75 53.05
136 Charter Bank Eau Claire Wis. commercial 2.45 1.65 542,714 18.79 27.69
First Whitney Bank and Trust Atlantic, Iowa commercial 2.45 2.61 159,992 21.07 30.87
Liberty State Bank Powers Lake, N.D. commercial 2.45 2.25 57,394 26.94 38.14
139 Bank of Hemet Riverside, Calif. commercial 2.44 2.14 446,743 20.87 44.59
140 American Exchange Bank Elmwood, Neb. commercial 2.43 1.32 42,174 20.07 49.44
American State Bank of Grygla Minn. commercial 2.43 2.00 23,787 22.10 56.45
Bank of St. Elizabeth Mo. commercial 2.43 2.29 99,058 22.96 50.73
143 Bank of Commerce Stilwell, Okla. commercial 2.42 1.26 97,805 21.75 65.74
Charter West National Bank West Point, Neb. commercial 2.42 2.11 182,464 23.97 62.29
First State Bank Louise, Texas commercial 2.42 1.97 280,245 27.83 55.01
Heartland Bank Somers, Iowa commercial 2.42 2.12 103,635 16.96 56.35
Heartland State Bank Redfield, S.D. commercial 2.42 2.09 72,492 27.14 50.68
Wells Bank of Platte City Mo. commercial 2.42 2.06 88,122 27.68 44.76
149 Bank of Deerfield Wis. commercial 2.41 2.63 90,964 16.96 53.89
150 Central Bank Little Rock, Ark. commercial 2.40 0.63 88,167 16.30 47.84
Murphy Bank Fresno, Calif. commercial 2.40 1.89 109,186 14.55 44.78
152 American State Bank Sioux Center, Iowa commercial 2.39 2.23 546,028 22.10 37.39
153 Framingham Co-operative Bank Mass. cooperative 2.38 1.48 403,092 10.79 58.29
HNB National Bank Hannibal, Mo. commercial 2.38 2.00 322,580 20.77 52.44
Lamar Bank and Trust Co. Mo. commercial 2.38 2.39 121,548 24.30 50.43
Peoples National Bank Colorado Springs commercial 2.38 0.70 179,212 22.39 85.53
157 Stock Growers Bank Napoleon, N.D. commercial 2.37 2.43 51,760 19.58 35.55
Ultima Bank Minnesota Winger commercial 2.37 2.12 120,449 26.16 54.19
159 Great Plains National Bank Belfield, N.D. commercial 2.36 1.64 148,080 24.68 43.19
New Era Bank Fredericktown, Mo. commercial 2.36 2.51 273,970 19.62 39.78
161 FirstBank Antlers, Okla. commercial 2.35 2.61 220,184 28.78 66.13
Main Street Bank Bingham Farms, Mich. commercial 2.35 -2.30 98,723 30.50 76.12
McIntosh County Bank Ashley, N.D. commercial 2.35 1.42 83,328 23.63 44.92
Middletown State Bank Ill. commercial 2.35 2.01 23,992 22.98 41.27
Peoples Bank and Trust Co. Ryan, Okla. commercial 2.35 1.03 25,582 18.61 73.60
166 Alva State Bank and Trust Co. Okla. commercial 2.34 0.15 204,067 13.31 40.75
Clare Bank Platteville, Wis. commercial 2.34 2.01 253,148 23.54 37.16
Exchange State Bank Adair, Iowa commercial 2.34 -11.03 40,525 19.68 57.93
First National Bank of Gordon Neb. commercial 2.34 2.05 153,216 18.04 39.11
Peoples State Bank Summit, S.D. commercial 2.34 1.89 52,944 21.39 44.65
171 Bank Northwest Hamilton, Mo. commercial 2.33 4.29 93,887 25.82 52.18
First National Bank of Burleson Texas commercial 2.33 1.82 183,182 26.06 47.18
First State Bank of Beecher City Ill. commercial 2.33 2.18 62,175 18.72 45.72
Venture Bank Bloomington, Minn. commercial 2.33 1.38 311,549 27.31 50.06
175 Commerce National Bank Corinth, Miss. commercial 2.32 1.83 87,633 17.55 49.79
First Eagle Bank Hanover Park, Ill. commercial 2.32 2.02 334,390 15.69 41.98
First National Bank Sallisaw Okla. commercial 2.32 2.13 216,269 15.64 53.85
178 Armstrong Bank Muskogee, Okla. commercial 2.31 2.07 583,574 21.33 58.03
Auburn Banking Co. Ky. commercial 2.31 1.95 64,294 28.65 53.43
Bank of DeSoto Texas commercial 2.31 1.85 179,527 23.02 59.00
The Bank Oberlin, Kan. commercial 2.31 2.52 190,542 22.75 41.23
Guaranty Bank and Trust Co. of Delhi La. commercial 2.31 1.82 131,516 23.88 53.71
Southwest National Bank Wichita, Kan. commercial 2.31 2.39 382,552 25.23 54.72
184 Bank of Bloomsdale Mo. commercial 2.30 3.00 192,782 23.29 45.90
First Bank of Chandler Okla. commercial 2.30 2.05 78,226 22.99 43.85
Peoples State Bank Blair, Okla. commercial 2.30 3.44 17,305 23.90 60.36
187 Bank of Columbia Ky. commercial 2.29 1.54 133,176 25.36 57.09
Bank of Monticello Mo. commercial 2.29 1.57 89,413 21.32 50.00
Buffalo Ridge Bank Beardsley, Minn. commercial 2.29 2.06 41,091 27.49 50.00
First State Bank of Forrest Ill. commercial 2.29 2.08 123,331 22.87 49.96
191 Alton Bank Mo. commercial 2.28 2.25 55,811 12.94 49.00
Citizens State Bank Corrigan, Texas commercial 2.28 2.44 104,711 21.11 54.94
Farmers and Merchants Savings Bank Waukon, Iowa commercial 2.28 1.83 131,059 23.95 40.72
Farmers Bank Hardinsburg, Ky. commercial 2.28 2.05 91,947 11.37 40.60
Farmers-Merchants Bank and Trust Co. Breaux Bridge, La. commercial 2.28 1.06 241,963 19.05 52.35
Heartland Bank Bryant, Ark. commercial 2.28 2.24 181,069 16.73 49.40
KodaBank Drayton, N.D. commercial 2.28 2.14 85,076 20.05 43.04
Peoples Bank and Trust Co. Owenton, Ky. commercial 2.28 -0.08 69,251 19.59 52.21
State Bank Hoxie, Kan. commercial 2.28 1.90 123,343 22.05 44.12
State Bank of Hawley Minn. commercial 2.28 1.96 87,979 23.06 55.27

Note: Independent banks and thrifts operating as of Dec. 27, 2011, 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.
© 2012 American Banker