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 March 31, 2012. Dollars in thousands
Published July 19, 2012

Rank Type of
institution
Return on average assets Assets Return on
average equity
Efficiency
ratio
1Q 2012 1Q 2011
1 International Bank of Chicago commercial 17.49% 2.08% $481,348 143.61% 13.73%
2 Flatbush Federal Savings and Loan Association MHC Brooklyn, N.Y. savings 13.23 0.15 145,486 NA 12.58
3 Open Bank Los Angeles commercial 12.34 1.18 143,300 79.33 74.81
4 Continental Bank Salt Lake City commercial 8.75 8.23 108,985 34.09 27.92
5 Merchants Bank of Indiana Lynn commercial 5.64 5.48 725,544 56.15 21.01
6 Gary State Bank Minn. commercial 5.57 1.23 12,057 42.08 74.32
7 Citizens Bank and Trust Co. Eastman, Ga. commercial 5.56 -0.02 149,175 100.64 97.10
8 First Credit Bank Los Angeles commercial 4.78 4.74 444,963 17.04 17.88
9 Live Oak Banking Co. Wilmington, N.C. commercial 4.64 7.19 284,632 39.17 60.67
10 Guardian Savings Bank FSB West Chester, Ohio savings 4.47 3.85 790,457 55.53 34.69
11 Western Capital Bank Boise, Idaho commercial 4.21 0.33 142,122 16.42 88.31
12 Sunrise Bank Cocoa Beach, Fla. commercial 4.20 -0.66 101,005 74.65 99.60
13 Enterprise Bank of Florida North Palm Beach commercial 4.16 0.29 253,514 31.82 40.05
Bank of Camden Tenn. commercial 4.16 1.94 219,371 26.07 21.57
15 Peoples State Bank Cherryvale, Kan. commercial 4.08 4.13 16,356 15.50 25.85
16 First Community Bank of the Ozarks Branson, Mo. commercial 2.38 -1.42 101,961 35.95 44.08
17 Goodfield State Bank Ill. commercial 4.02 2.75 69,635 30.40 35.42
18 CapStar Bank Nashville, Tenn. commercial 3.87 0.31 792,571 36.70 64.65
19 Victory Community Bank Lakeside Park, Ky. savings 3.86 1.64 152,120 30.10 38.73
20 Bellevue State Bank Iowa commercial 3.80 1.82 81,112 33.92 34.70
21 Corydon State Bank Iowa commercial 3.77 3.66 83,457 24.92 21.18
22 Independence Bank of Georgia Braselton commercial 3.70 0.06 123,034 25.96 76.93
HomeTown Bank Roanoke, Va. commercial 3.70 0.30 361,785 41.78 73.62
24 Crescent Bank and Trust New Orleans commercial 3.66 2.04 679,781 32.98 57.93
25 CFG Community Bank Baltimore commercial 3.62 6.42 420,769 28.27 61.72
26 Citizens Progressive Bank Winnsboro, La. commercial 3.58 1.57 81,767 26.15 59.07
27 Peoples Community Bank Greenville, Mo. commercial 3.41 3.74 144,464 21.76 40.03
28 First State Bank of Forrest Ill. commercial 3.37 1.87 128,412 33.92 37.41
29 Campbell County Bank Herreid, S.D. commercial 3.33 1.74 103,961 26.28 47.84
30 Horizon Bank SSB Austin, Texas savings 3.31 1.90 307,749 32.28 63.20
31 Lyons State Bank Kan. commercial 3.30 0.79 89,872 32.69 59.28
32 Main Street Bank Bingham Farms, Mich. commercial 3.23 0.15 113,020 41.88 72.23
33 Bank 7 Oklahoma City commercial 3.22 24.19 226,737 32.85 51.43
34 Peoples State Bank McDonald, Kan. commercial 3.20 1.85 113,531 36.09 49.25
35 CheckSpring Bank Bronx, N.Y. commercial 3.16 -1.25 68,208 25.01 65.92
Charter Bank Corpus Christi, Texas commercial 3.16 2.48 233,147 38.86 48.57
37 State Bank of Wynnewood Okla. commercial 3.15 1.78 71,065 22.33 55.58
First State Bank in Temple Okla. commercial 3.15 2.38 22,787 16.23 47.76
39 First Financial Bank El Dorado, Ark. commercial 3.12 2.98 799,722 33.57 51.61
40 Banks of Wisconsin Kenosha commercial 3.11 -4.31 160,933 72.67 98.63
41 First American Bank Stonewall, Okla. commercial 3.07 2.84 25,539 28.77 53.11
42 Luana Savings Bank Iowa commercial 3.06 2.12 469,145 31.53 26.20
43 Riverside Bank Sparkman, Ark. commercial 3.05 1.97 56,271 34.34 44.66
44 Bank of Commerce Chouteau, Okla. commercial 3.04 -0.95 32,603 33.15 73.96
45 Premier Bank Rock Valley, Iowa commercial 3.02 2.64 243,884 27.02 30.99
Mid America Bank and Trust Co. Dixon, Mo. commercial 3.02 0.92 132,110 26.74 53.91
47 Pinnacle Bank Scottsdale, Ariz. commercial 3.01 0.05 80,187 16.03 60.63
First National Bank of Central Texas Waco commercial 3.01 1.73 623,069 36.11 47.39
Clinton State Bank Minn. commercial 3.01 2.75 68,095 22.55 23.65
50 Farmers Bank Carnegie, Okla. commercial 3.00 2.77 53,036 32.06 45.75
51 Payne County Bank Perkins, Okla. commercial 2.95 2.89 128,183 15.71 47.31
52 Central State Bank Clayton, Ill. commercial 2.94 3.66 98,433 20.21 47.92
53 State Bank in Eden Valley Minn. commercial 2.93 0.71 27,770 27.31 63.54
54 Yellowstone Bank Laurel, Mont. commercial 2.89 2.79 438,559 15.72 40.10
55 State Bank of Park Rapids Minn. commercial 2.88 1.03 85,334 26.09 66.16
Citizens State Bank of La Crosse Wis. commercial 2.88 2.42 109,506 34.47 46.65
57 State Bank of New Richland Minn. commercial 2.87 2.50 93,121 30.03 35.62
58 Choice Financial Group Grafton, N.D. commercial 2.86 0.47 595,081 28.53 42.70
59 Peoples Bank and Trust Pana, Ill. commercial 2.85 1.74 280,136 26.69 47.37
Crestmark Bank Troy, Mich. commercial 2.85 2.87 375,882 22.39 63.64
Central Bank Little Rock, Ark. commercial 2.85 1.72 88,980 18.88 45.55
62 RepublicBankAz Phoenix commercial 2.84 2.58 75,620 25.02 67.56
63 St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.80 2.26 361,844 24.04 49.98
64 PrinsBank Prinsburg, Minn. commercial 2.78 2.91 109,756 31.30 47.64
Prime Bank Edmond, Okla. commercial 2.78 2.51 154,004 28.54 43.17
Bank of Galesville Wis. commercial 2.78 1.43 83,194 18.07 51.58
67 Waggoner National Bank of Vernon Texas commercial 2.77 2.39 246,994 20.01 42.64
68 Capital Bank Rockville, Md. commercial 2.75 0.90 368,352 34.49 46.81
Bank of Hemet Riverside, Calif. commercial 2.75 2.42 453,265 23.84 45.79
70 Oak Creek Valley Bank Valparaiso, Neb. commercial 2.74 2.74 65,203 22.34 28.93
Choice Bank Oshkosh, Wis. commercial 2.74 1.04 180,865 29.48 40.26
72 Benchmark Bank Plano, Texas commercial 2.73 1.11 358,173 22.56 77.34
Bank of Union El Reno, Okla. commercial 2.73 2.35 402,377 28.59 30.77
Bank of Hydro Okla. commercial 2.73 2.62 116,079 33.34 39.04
75 Solon State Bank Iowa commercial 2.72 2.75 85,287 13.21 39.57
76 Peoples Community State Bank Doniphan, Mo. commercial 2.70 3.06 128,031 16.62 48.24
77 Morris State Bank Okla. commercial 2.67 2.36 65,513 30.41 52.37
78 First National Bank of Waseca Minn. commercial 2.66 1.56 109,164 24.75 55.13
Caldwell Bank and Trust Co. Columbia, La. commercial 2.66 1.88 100,985 28.61 68.83
80 Marlin Business Bank Salt Lake City commercial 2.65 4.07 320,512 13.27 55.45
81 Crown Bank Elizabeth, N.J. commercial 2.63 3.36 575,258 20.45 42.59
82 Murphy Bank Fresno, Calif. commercial 2.62 2.29 109,815 15.42 48.71
First State Bank Ida Grove, Iowa commercial 2.62 1.95 137,637 27.57 40.69
Farmers Trust and Savings Bank Williamsburg, Iowa commercial 2.62 2.48 132,742 13.65 40.14
Coleman County State Bank Coleman, Texas commercial 2.62 1.56 82,123 26.03 52.58
86 Ultima Bank Minnesota Winger commercial 2.61 1.85 129,056 29.52 51.75
ACB Bank Cherokee, Okla. commercial 2.61 1.14 68,851 27.80 51.65
88 Town and Country Bank of Quincy Ill. commercial 2.60 2.35 107,596 22.91 52.82
89 Great Plains National Bank Elk City, Okla. commercial 2.59 2.35 408,761 28.44 58.30
First National Bank of Fairfax Minn. commercial 2.59 1.22 26,870 6.72 41.67
Bank of Bloomsdale Mo. commercial 2.59 2.49 199,765 25.14 38.94
92 Security Bank and Trust Co. Paris, Tenn. commercial 2.58 2.72 168,560 27.68 39.31
FirstBank Antlers, Okla. commercial 2.58 2.55 231,017 31.79 64.29
Bank of Buffalo Ky. commercial 2.58 3.50 72,394 23.89 33.53
American State Bank Sioux Center, Iowa commercial 2.58 2.23 563,525 23.57 39.86
96 Abbeville Building and Loan La. savings 2.56 1.75 44,198 9.43 54.17
97 Citizens State Bank Okemah, Okla. commercial 2.55 2.36 166,104 31.59 36.33
American First National Bank Houston commercial 2.55 1.51 869,525 19.19 43.72
99 Regional Missouri Bank Marceline commercial 2.54 1.32 135,794 28.29 40.56
New Era Bank Fredericktown, Mo. commercial 2.54 2.08 282,985 21.60 38.30
101 Home Bank of California San Diego commercial 2.52 1.71 125,782 16.07 53.11
First State Bank Barboursville, W.Va. commercial 2.52 1.34 302,418 33.07 54.27
Farmers and Merchants State Bank of Pierz Minn. commercial 2.52 1.33 171,951 23.00 46.57
104 Security State Bank Sutherland, Iowa commercial 2.51 2.25 83,022 29.22 40.41
First Security Bank-Sleepy Eye Minn. commercial 2.51 2.38 190,120 18.05 44.69
Cache Valley Bank Logan, Utah commercial 2.51 2.49 481,569 22.58 40.91
Brazos National Bank Richwood, Texas commercial 2.51 1.10 26,512 14.44 86.27
108 Great American Bank De Soto, Kan. commercial 2.50 1.06 58,055 13.14 53.82
109 Home State Bank Louisville, Neb. commercial 2.49 1.12 79,503 19.70 49.25
Heartland Bank Bryant, Ark. commercial 2.49 1.52 185,788 17.03 48.31
Bank of DeSoto Texas commercial 2.49 2.50 174,404 24.38 51.67
112 Southwest Capital Bank Las Vegas, N.M. commercial 2.48 2.46 206,474 25.58 46.63
113 Farmers and Merchants State Bank Plankinton, S.D. commercial 2.47 2.82 81,226 26.65 40.40
114 Summit Community Bank Maplewood, Minn. commercial 2.46 1.04 59,969 14.95 42.40
First Federal Savings and Loan Association of Hammond Ind. savings 2.46 0.83 47,811 54.21 78.94
First Arkansas Bank and Trust Jacksonville commercial 2.46 1.79 699,632 14.33 61.81
Farmers State Bank of Adams Minn. commercial 2.46 2.73 79,132 22.36 40.61
118 West Town Savings Bank Cicero, Ill. savings 2.45 -0.66 127,580 29.27 80.13
TexasBank Brownwood commercial 2.45 3.05 314,253 18.94 51.55
Senath State Bank Mo. commercial 2.45 2.56 65,341 17.54 48.63
121 Marion County State Bank Pella, Iowa commercial 2.43 2.30 239,991 20.75 35.01
Charter Bank Eau Claire Wis. commercial 2.43 1.62 545,955 17.05 32.43
123 First Bank of Chandler Okla. commercial 2.42 2.45 80,167 23.87 45.81
Community Bank Longview, Texas commercial 2.42 2.31 153,910 33.52 45.99
125 Waukon State Bank Iowa commercial 2.41 1.94 222,624 24.66 39.44
Bank of Montgomery La. commercial 2.41 2.03 174,014 24.85 57.82
Bank of Advance Mo. commercial 2.41 2.28 260,483 15.88 47.20
128 Security First Bank Fresno, Calif. commercial 2.40 0.64 101,517 20.16 76.96
Quail Creek Bank Oklahoma City commercial 2.40 2.38 472,830 24.41 44.53
First National Bank of Bangor Wis. commercial 2.40 2.38 197,531 11.49 24.16
De Witt Bank and Trust Co. Iowa commercial 2.40 2.41 120,483 21.75 53.84
Bank of Morton Miss. commercial 2.40 0.50 59,612 19.86 57.80
133 Texas Champion Bank Corpus Christi commercial 2.39 0.71 371,117 26.17 59.96
Heritage State Bank Lawrenceville, Ill. commercial 2.39 2.49 74,880 25.01 52.47
135 United Community Bank of North Dakota Leeds commercial 2.38 2.24 246,149 27.01 38.20
Taylor County Bank Campbellsville, Ky. commercial 2.38 1.90 160,155 22.08 51.61
137 Port Richmond Savings Philadelphia savings 2.37 2.20 63,687 15.75 45.23
Great Plains Bank Eureka, S.D. commercial 2.37 2.12 95,033 26.00 41.67
139 First State Bank of Porter Okla. commercial 2.36 1.95 36,639 15.34 64.51
First Bank of Berne Ind. commercial 2.36 2.23 515,383 24.60 49.26
The Bank Oberlin, Kan. commercial 2.36 2.22 207,603 23.74 36.80
142 Lusk State Bank Wyo. commercial 2.35 2.10 48,956 22.50 50.41
First State Bank Boise City, Okla. commercial 2.35 -0.85 53,871 28.00 52.34
First Community Bank Lester Prairie, Minn. commercial 2.35 1.24 28,112 23.83 73.11
145 First Bank of Okarche Okla. commercial 2.34 2.10 65,465 17.43 41.39
Farmers State Bank Waterloo, Iowa commercial 2.34 1.54 392,797 28.52 50.39
147 Union Bank of Blair Wis. commercial 2.32 1.85 80,585 23.69 43.91
Tustin Community Bank Calif. commercial 2.32 2.19 56,937 16.09 71.46
First National Bank Fabens, Texas commercial 2.32 2.32 325,848 26.49 55.63
150 Northwoods State Bank Mason City, Iowa commercial 2.31 2.03 158,052 25.48 47.50
Lamar Bank and Trust Co. Mo. commercial 2.31 2.05 128,431 24.49 48.79
Golden Belt Bank FSA Ellis, Kan. savings 2.31 0.35 132,185 17.97 51.28
First Pryority Bank Pryor, Okla. commercial 2.31 0.96 115,324 21.56 49.75
154 Peoples State Bank Blair, Okla. commercial 2.30 2.13 17,173 25.05 64.13
Heartland State Bank Redfield, S.D. commercial 2.30 1.91 71,501 23.55 57.63
156 First State Bank Yukon, Okla. commercial 2.29 1.12 20,016 25.84 63.66
First Farmers and Merchants National Bank Luverne, Minn. commercial 2.29 2.08 151,566 17.90 61.98
Bank of St. Elizabeth Mo. commercial 2.29 2.26 100,159 20.55 49.39
159 Henderson State Bank Neb. commercial 2.28 1.61 153,696 24.50 30.71
Citizens National Bank of Wills Point Texas commercial 2.28 2.03 97,672 19.32 46.60
161 Prairie State Bank and Trust Mount Zion, Ill. commercial 2.27 1.85 669,049 23.95 52.16
Justin State Bank Texas commercial 2.27 2.13 72,259 18.76 60.48
163 Union Bank of Mena Ark. commercial 2.26 2.28 181,899 23.24 58.96
First National Bank George West, Texas commercial 2.26 1.94 246,714 21.89 50.14
Exchange Bank Gibbon, Neb. commercial 2.26 1.72 389,139 22.27 37.99
American National Bank-Fox Cities Appleton, Wis. commercial 2.26 2.39 255,159 19.11 35.46
Adrian Bank Mo. commercial 2.26 2.30 124,145 25.40 42.05
168 T Bank Dallas commercial 2.25 -6.46 115,808 18.06 86.96
Red River State Bank Halstad, Minn. commercial 2.25 1.71 49,102 21.55 46.20
Freedom Bank Huntingburg, Ind. commercial 2.25 1.17 325,595 25.55 38.98
Five Points Bank Grand Island, Neb. commercial 2.25 2.12 714,833 22.16 46.14
First Bank Upper Michigan Gladstone commercial 2.25 2.31 171,490 12.92 52.66
Bank of Baker Mont. commercial 2.25 2.29 130,525 26.28 38.65
174 First National Bank Fort Pierre, S.D. commercial 2.24 2.78 696,460 10.83 44.85
Farmers State Bank Hosmer, S.D. commercial 2.24 1.81 18,839 15.98 55.02
Clayton Bank and Trust Knoxville, Tenn. commercial 2.24 1.42 619,600 15.62 31.94
City Savings Bank and Trust Co. De Ridder, La. commercial 2.24 2.07 224,661 19.48 57.88
Citizens National Bank of Bluffton Ohio commercial 2.24 1.92 598,328 23.17 60.06
179 Union Bank and Trust Co. Livingston, Tenn. commercial 2.23 3.35 79,752 19.91 47.31
Security First National Bank of Hugo Okla. commercial 2.23 1.88 102,746 28.41 46.86
First State Bank of Le Center Minn. commercial 2.23 1.48 67,110 19.38 53.70
Butte State Bank Neb. commercial 2.23 1.13 43,650 21.71 54.76
Beauregard Federal Savings Bank Deridder, La. savings 2.23 2.67 55,496 13.06 55.23
American Bank Le Mars, Iowa commercial 2.23 1.96 237,257 20.40 43.36
185 Peoples State Bank Summit, S.D. commercial 2.22 1.58 56,250 20.20 44.83
First National Bank of Hughes Springs Texas commercial 2.22 1.30 194,102 14.86 55.03
Citizens State Bank Corrigan, Texas commercial 2.22 2.22 108,648 20.86 53.40
American Interstate Bank Elkhorn, Neb. commercial 2.22 2.19 111,417 26.68 40.12
189 Dakota Community Bank and Trust Hebron, N.D. commercial 2.21 1.36 592,515 30.30 49.08
190 Vermillion State Bank Minn. commercial 2.20 1.96 492,453 17.94 25.77
Rock Canyon Bank Orem, Utah commercial 2.20 0.56 140,777 18.42 72.11
River Bank Stoddard, Wis. commercial 2.20 2.24 424,121 19.38 38.87
Peoples Bank Mendenhall, Miss. commercial 2.20 1.86 228,962 22.92 50.76
194 Garden City State Bank Kan. commercial 2.19 1.90 69,298 17.57 54.40
First National Bank of Las Animas Colo. commercial 2.19 1.93 300,637 21.25 46.21
196 Sicily Island State Bank La. commercial 2.18 1.64 33,342 15.68 60.77
Security First Bank of North Dakota New Salem commercial 2.18 1.90 143,675 20.74 55.30
Mississippi River Bank Belle Chasse, La. commercial 2.18 1.63 153,645 18.32 51.27
First Whitney Bank and Trust Atlantic, Iowa commercial 2.18 2.14 170,374 19.76 35.07
Cowboy Bank of Texas Maypearl commercial 2.18 2.18 52,797 24.40 59.58

 

Note: Independent banks and thrifts operating as of June 8, 2012, 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