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Community Banks with the Highest Returns on Average Assets

May 22, 2013, 4:26 p.m. EDT 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 Dec. 31, 2012. Dollars in thousands
Published May 22, 2013
Rank Company Type of
institution		 Return on
avg. assets		 Assets Return on
avg. equity		 Efficiency ratio
4Q 2012 4Q 2011
1 Federal Savings Bank Overland Park, Kan. savings 11.01% 7.46% $237,816 114.15% 65.11%
2 Continental Bank Salt Lake City commercial 6.85 10.07 127,977 26.68 30.99
3 Live Oak Banking Co. Wilmington, N.C. commercial 6.19 6.14 337,509 54.43 57.21
4 Merchants Bank of Indiana Lynn commercial 4.99 3.26 935,580 53.75 20.27
5 First Credit Bank Los Angeles commercial 4.96 5.50 410,923 16.35 15.64
6 International Bank of Chicago commercial 4.38 2.15 426,438 38.59 27.90
7 Guardian Savings Bank FSB West Chester, Ohio savings 4.37 2.85 817,138 52.92 32.13
8 Peoples State Bank Cherryvale, Kan. commercial 4.25 4.26 15,409 15.57 43.43
  Goodfield State Bank Ill. commercial 4.25 3.22 74,936 31.75 37.23
  Benchmark Bank Plano, Texas commercial 4.25 2.21 366,199 34.39 72.98
11 Crescent Bank and Trust New Orleans commercial 4.21 2.23 773,489 38.33 58.12
12 Volunteer State Bank Portland, Tenn. commercial 4.13 1.26 422,965 43.85 62.96
13 West Gate Bank Lincoln, Neb. commercial 4.05 1.35 354,250 37.54 42.02
14 Open Bank Los Angeles commercial 4.04 1.18 206,142 25.85 65.54
15 Triumph Savings Bank SSB Dallas savings 3.89 -1.27 301,183 24.04 66.11
16 BNC National Bank Glendale, Ariz. commercial 3.65 0.88 768,613 33.11 61.08
17 RepublicBankAz Phoenix commercial 3.62 4.13 81,665 30.13 61.43
18 Main Street Bank Bingham Farms, Mich. commercial 3.58 1.96 144,905 42.69 68.37
19 Peoples Community Bank Greenville, Mo. commercial 3.47 3.51 156,052 22.37 39.90
20 Touchmark National Bank Alpharetta, Ga. commercial 3.46 0.18 126,436 18.55 85.99
21 Citizens State Bank of La Crosse Wis. commercial 3.45 2.59 119,555 39.74 44.60
22 First Financial Bank El Dorado, Ark. commercial 3.41 3.09 821,577 35.12 49.92
23 Corydon State Bank Iowa commercial 3.40 3.04 88,526 22.21 19.23
24 Bank of England Ark. commercial 3.25 1.85 270,671 31.25 79.03
25 Pinnacle Bank Scottsdale, Ariz. commercial 3.16 0.44 98,283 18.48 76.15
26 Farmers Savings Bank Colesburg, Iowa commercial 3.11 1.88 166,926 32.58 41.99
  Charter Bank Corpus Christi, Texas commercial 3.11 2.89 226,984 37.44 48.20
28 Victory Community Bank Lakeside Park, Ky. savings 3.08 1.96 154,607 23.66 43.33
29 First Western Federal Savings Bank Rapid City, S.D. savings 3.07 3.70 35,363 18.75 50.74
30 Prime Bank Edmond, Okla. commercial 3.06 2.61 167,647 31.87 40.81
31 TexasBank Brownwood commercial 3.05 3.24 288,943 22.83 48.22
32 Wells Bank of Platte City Mo. commercial 2.98 2.25 102,117 31.01 44.67
33 Crestmark Bank Troy, Mich. commercial 2.96 3.21 407,284 23.94 62.01
34 Points West Community Bank Julesburg, Colo. commercial 2.95 2.37 201,998 28.93 40.24
35 Proficio Bank Cottonwood Heights, Utah commercial 2.92 -4.70 209,365 38.15 91.52
36 Heartland Bank Bryant, Ark. commercial 2.90 2.15 194,988 19.10 46.35
  Bank of Galesville Wis. commercial 2.90 2.17 87,230 18.05 50.47
38 Bank of Hemet Riverside, Calif. commercial 2.88 2.43 449,771 24.33 44.04
39 State Bank of Wynnewood Okla. commercial 2.87 1.90 82,392 19.62 54.27
40 Bank 7 Oklahoma City commercial 2.84 8.53 280,935 29.75 49.05
41 Waggoner National Bank of Vernon Texas commercial 2.83 2.08 258,788 19.99 43.22
  Leader Bank Arlington, Mass. commercial 2.83 1.70 587,570 22.79 39.06
43 Gary State Bank Minn. commercial 2.82 1.36 12,002 20.02 69.03
44 First American Bank Stonewall, Okla. commercial 2.80 2.79 25,478 25.90 54.25
45 Murphy Bank Fresno, Calif. commercial 2.79 2.54 121,723 16.52 47.96
46 Yellowstone Bank Laurel, Mont. commercial 2.78 1.98 475,031 15.02 43.94
  St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.78 2.55 401,604 24.20 51.90
48 Regional Missouri Bank Marceline commercial 2.75 1.63 155,264 29.03 41.64
49 Great Plains National Bank Elk City, Okla. commercial 2.74 2.41 437,683 29.52 57.70
50 Riverside Bank Sparkman, Ark. commercial 2.72 2.70 55,251 30.03 47.70
51 ACB Bank Cherokee, Okla. commercial 2.71 1.31 76,054 28.33 49.48
  Town and Country Bank of Quincy Ill. commercial 2.71 2.12 110,600 23.12 52.22
53 Fife Commercial Bank Wash. commercial 2.69 1.58 84,015 21.89 53.21
54 Security State Bank Sutherland, Iowa commercial 2.68 2.55 98,974 31.24 37.14
  State Bank of Texas Dallas commercial 2.68 0.53 461,275 15.12 32.91
54 Marlin Business Bank Salt Lake City commercial 2.68 2.41 475,911 15.60 51.41
57 First Federal Savings Bank of Boston savings 2.67 -0.58 91,008 15.61 86.50
58 First National Bank Fabens, Texas commercial 2.66 2.29 317,984 29.22 50.60
  First State Bank of Forrest Ill. commercial 2.66 2.05 130,925 25.96 41.78
60 Mississippi River Bank Belle Chasse, La. commercial 2.64 1.68 153,190 22.33 62.40
61 Bank of Wyandotte Okla. commercial 2.63 1.04 13,529 29.21 63.65
  Peoples State Bank Blair, Okla. commercial 2.63 1.97 17,704 28.91 61.98
63 Peoples National Bank Colorado Springs, Colo. commercial 2.61 1.00 241,442 24.50 81.76
64 Peoples State Bank McDonald, Kan. commercial 2.60 2.47 131,771 29.69 49.45
  Peoples Bank Westville, Okla. commercial 2.60 2.15 51,072 22.22 61.11
  Bank of Buffalo Ky. commercial 2.60 3.29 72,740 23.93 36.92
  Crockett National Bank San Angelo, Texas commercial 2.60 2.47 415,441 24.78 65.05
68 Bank of Hydro Okla. commercial 2.59 2.58 123,211 34.02 39.39
  State Bank of New Richland Minn. commercial 2.59 2.33 97,030 26.69 38.17
  Farmers Exchange Bank Cherokee, Okla. commercial 2.59 2.41 194,982 25.91 45.54
71 First Bank of Chandler Okla. commercial 2.57 2.15 80,936 25.16 43.80
  Farmers and Merchants State Bank of Pierz Minn. commercial 2.57 2.38 173,874 22.95 48.47
73 First National Bank in Philip S.D. commercial 2.55 1.81 178,996 19.18 49.92
  Premier Bank Rock Valley, Iowa commercial 2.55 2.67 273,092 23.26 39.27
75 Solon State Bank Iowa commercial 2.54 2.87 91,247 12.08 42.75
  Morris State Bank Okla. commercial 2.54 2.41 66,449 28.94 53.59
77 United Community Bank of North Dakota Leeds commercial 2.52 2.30 279,623 28.83 42.03
78 Brunswick State Bank Neb. commercial 2.51 2.49 86,402 26.81 44.86
79 Seacoast Commerce Bank San Diego commercial 2.50 1.70 200,702 19.29 89.52
80 Charter Bank Eau Claire Wis. commercial 2.49 2.15 582,324 17.13 32.18
81 Farmers and Merchants State Bank Plankinton, S.D. commercial 2.48 2.60 86,702 26.21 41.76
  Spring Bank Bronx, N.Y. commercial 2.48 1.58 88,857 20.19 65.21
  Kansas State Bank of Manhattan commercial 2.48 1.86 962,277 26.55 41.43
  American State Bank Sioux Center, Iowa commercial 2.48 2.22 606,782 22.16 39.61
85 Charter West National Bank West Point, Neb. commercial 2.47 1.91 192,315 24.66 65.09
  Bank of Advance Mo. commercial 2.47 2.51 273,850 15.58 46.24
  Bank of Morton Miss. commercial 2.47 1.68 58,477 18.91 56.92
  NewBank Flushing, N.Y. commercial 2.47 1.78 157,664 21.72 44.25
89 Home Bank of California San Diego commercial 2.46 2.06 121,576 15.14 50.72
  NOA Bank Duluth, Ga. commercial 2.46 1.88 128,771 17.52 61.17
  Fidelity Bank Edina, Minn. commercial 2.46 1.88 522,893 13.81 43.34
92 New Era Bank Fredericktown, Mo. commercial 2.45 2.21 267,676 20.01 40.73
93 Freedom Bank Huntingburg, Ind. commercial 2.44 0.93 331,719 27.28 37.41
94 First State Bank of Porter Okla. commercial 2.43 2.62 34,647 15.74 63.61
95 Central State Bank Clayton, Ill. commercial 2.42 2.54 99,998 16.00 48.16
  West Town Savings Bank Cicero, Ill. savings 2.42 0.91 140,392 25.94 80.46
97 Peoples Bank Mendenhall, Miss. commercial 2.40 2.32 221,316 23.82 49.79
  Marion County State Bank Pella, Iowa commercial 2.40 2.36 263,225 20.24 37.55
  Ultima Bank Minnesota Winger commercial 2.40 2.26 136,605 26.66 52.44
  First Bank of Berne Ind. commercial 2.40 2.43 515,043 25.75 45.12
  Waukon State Bank Iowa commercial 2.40 2.13 237,360 19.61 40.60
  First National Bank of Bangor Wis. commercial 2.40 2.35 212,059 11.23 22.63
  Bank of Bloomsdale Mo. commercial 2.40 2.41 194,346 22.39 40.51
104 Heritage State Bank Lawrenceville, Ill. commercial 2.39 2.48 76,838 25.06 55.82
105 First Community Bank of Bedford County Shelbyville, Tenn. commercial 2.38 1.28 323,950 17.73 64.47
  Choice Financial Group Grafton, N.D. commercial 2.38 1.41 651,968 22.76 49.59
107 Southwest Capital Bank Las Vegas, N.M. commercial 2.37 1.72 204,374 24.31 50.16
  Northwest Bank Boise, Idaho commercial 2.37 0.74 264,726 10.41 69.08
109 Cowboy Bank of Texas Maypearl commercial 2.36 2.40 55,897 26.27 57.22
110 Peoples State Bank Summit, S.D. commercial 2.35 2.21 55,532 20.93 41.41
  Exchange Bank Gibbon, Neb. commercial 2.35 2.48 465,475 23.17 35.00
112 Lowry State Bank Minn. commercial 2.34 2.59 40,715 26.03 48.88
  First Bank Upper Michigan Gladstone commercial 2.34 2.41 171,185 13.34 50.71
  First State Bank of Bloomington Ill. commercial 2.34 0.15 102,458 25.77 68.38
  Woodland Bank Deer River, Minn. commercial 2.34 0.51 65,844 20.75 56.55
  Citizens State Bank Okemah, Okla. commercial 2.34 2.40 344,166 29.31 30.27
117 Citizens State Bank Miles, Texas commercial 2.33 2.01 80,006 23.27 51.76
  Farmers State Bank of Adams Minn. commercial 2.33 2.30 84,102 20.49 43.84
119 Heartland State Bank Redfield, S.D. commercial 2.32 2.20 79,168 23.54 57.62
  Plains Commerce Bank Hoven, S.D. commercial 2.32 1.69 480,631 15.64 54.33
  Five Star Bank Sacramento, Calif. commercial 2.32 1.83 546,745 23.33 44.30
122 FirstBank Antlers, Okla. commercial 2.31 2.46 231,934 28.11 67.31
  American Interstate Bank Elkhorn, Neb. commercial 2.31 2.34 114,948 26.30 40.96
  Bank of DeSoto Texas commercial 2.31 2.42 177,392 23.02 55.06
  HNB National Bank Hannibal, Mo. commercial 2.31 2.08 404,232 21.31 52.10
126 Taylor County Bank Campbellsville, Ky. commercial 2.30 2.14 164,441 20.70 49.80
  Tustin Community Bank Calif. commercial 2.30 2.23 61,754 15.40 70.18
128 Beauregard Federal Savings Bank Deridder, La. savings 2.29 2.88 55,798 13.17 54.87
  The Bank Oberlin, Kan. commercial 2.29 2.29 301,508 22.77 37.93
  Midwest Bank Detroit Lakes, Minn. commercial 2.29 2.21 328,539 25.25 50.24
  Liberty State Bank Powers Lake, N.D. commercial 2.29 2.17 65,029 24.35 38.89
  Idaho Trust Bank Boise commercial 2.29 -2.13 73,570 10.85 83.25
133 Horizon Bank Waverly, Neb. commercial 2.28 2.04 201,974 20.89 37.58
  Lowell Co-operative Bank Mass. Cooperative Bank 2.28 1.54 208,921 25.65 86.63
135 Basile State Bank La. commercial 2.27 1.95 53,347 23.52 59.35
  Bank of Montgomery La. commercial 2.27 3.67 172,933 22.48 62.09
  Peoples Community State Bank Doniphan, Mo. commercial 2.27 2.58 124,899 14.01 52.60
138 Union Bank of Blair Wis. commercial 2.26 2.01 83,690 23.00 46.51
  Quality Bank Page, N.D. commercial 2.26 -0.56 26,599 25.16 80.66
  Milledgeville State Bank Ill. commercial 2.26 1.96 92,982 18.05 42.53
  Nebraska State Bank Oshkosh commercial 2.26 2.07 49,977 23.42 54.96
  Bank of Commerce Duncan, Okla. commercial 2.26 1.55 151,828 19.94 48.93
  Verity Bank Winder, Ga. commercial 2.26 0.10 172,433 21.33 69.26
144 Golden Belt Bank, FSA Ellis, Kan. savings 2.25 1.57 134,613 17.25 53.11
  Bank of Baker Mont. commercial 2.25 2.31 136,931 26.09 41.41
  Quail Creek Bank Oklahoma City commercial 2.25 2.28 533,413 23.29 46.68
  Security Bank Tulsa, Okla. commercial 2.25 1.44 447,336 21.77 30.29
  Bank of Deerfield Wis. commercial 2.25 1.88 109,851 16.25 57.92
  Dakota Community Bank and Trust Hebron, N.D. commercial 2.25 1.81 672,945 29.94 50.59
  Bank of Glen Ullin N.D. commercial 2.25 2.03 43,749 19.68 45.09
151 Haverford Trust Co. Radnor, Pa. commercial 2.24 2.74 91,890 12.74 88.96
  Union Bank and Trust Co. Livingston, Tenn. commercial 2.24 2.53 79,221 19.01 48.69
  Union Bank of Mena Ark. commercial 2.24 2.21 187,558 22.78 59.36
  Farmers and Merchants Bank of Kendall Wis. commercial 2.24 2.80 54,170 17.52 45.20
  Lusk State Bank Wyo. commercial 2.24 3.34 55,112 22.20 51.35
  Access National Bank Reston, Va. commercial 2.24 1.65 862,757 21.09 63.83
157 Community Bank Longview, Texas commercial 2.23 1.98 161,238 30.72 48.83
  Legence Bank Eldorado, Ill. commercial 2.23 1.13 253,900 17.99 57.78
159 Progressive Ozark Bank Salem, Mo. commercial 2.22 2.30 112,648 22.06 62.35
  First National Bank George West, Texas commercial 2.22 2.26 267,895 21.18 52.24
  First State Bank Scottsbluff, Neb. commercial 2.22 1.98 239,932 24.46 46.15
  Lamar Bank and Trust Co. Mo. commercial 2.22 2.24 130,779 22.94 50.52
  First National Bank of Hughes Springs Texas commercial 2.22 2.37 218,740 14.91 52.40
  Guaranty Bank and Trust Co. of Delhi La. commercial 2.22 2.19 151,243 24.46 54.56
165 City Savings Bank and Trust Co. De Ridder, La. commercial 2.21 2.30 245,417 19.18 59.31
  Horizon Bank SSB Austin, Texas savings 2.21 1.93 343,045 22.99 63.55
  First State Bank Southwest Pipestone, Minn. commercial 2.21 1.62 238,416 20.22 52.06
  First National Bank of Central Texas Waco commercial 2.21 1.83 685,685 27.31 51.57
169 First Security Bank Flower Mound, Texas commercial 2.20 1.86 179,398 16.08 45.61
  Security Bank and Trust Co. Paris, Tenn. commercial 2.20 2.66 168,970 22.86 46.35
171 Citizens National Bank of Wills Point Texas commercial 2.18 2.02 98,626 18.00 50.05
  Fannin Bank Bonham, Texas commercial 2.18 1.33 74,545 25.52 68.71
  Hodge Bank and Trust Co. La. commercial 2.18 1.73 66,656 16.79 50.98
  Applied Bank Wilmington, Del. commercial 2.18 1.36 178,939 9.05 57.36
175 Vermillion State Bank Minn. commercial 2.17 1.92 495,339 17.43 24.83
  Idabel National Bank Okla. commercial 2.17 1.44 118,283 19.57 43.68
  Exchange Bank and Trust Co. Perry, Okla. commercial 2.17 1.94 233,845 23.11 51.57
  Security First Bank of North Dakota New Salem commercial 2.17 1.97 162,316 20.83 56.43
  First Whitney Bank and Trust Atlantic, Iowa commercial 2.17 2.22 183,978 20.42 33.60
180 BankSouth Greensboro, Ga. savings 2.16 1.69 351,191 21.83 72.23
  Kaw Valley State Bank and Trust Co. Wamego, Kan. commercial 2.16 1.81 142,588 18.23 53.43
  Firstar Bank Sallisaw, Okla. commercial 2.16 2.12 421,754 17.70 65.86
  Payne County Bank Perkins, Okla. commercial 2.16 2.26 132,935 11.26 58.01
  First State Bank of Beecher City Ill. commercial 2.16 1.77 67,480 17.47 50.32
  Farmers State Bank Waterloo, Iowa commercial 2.16 1.53 458,915 25.82 50.89
  Brazos National Bank Richwood, Texas commercial 2.16 0.85 28,750 12.30 88.57
187 Kearny County Bank Lakin, Kan. commercial 2.15 2.00 202,659 10.80 44.72
  Bellevue State Bank Iowa commercial 2.15 1.89 86,982 18.78 46.00
  Buffalo Ridge Bank Beardsley, Minn. commercial 2.15 1.73 49,153 25.38 50.29
  Oak Creek Valley Bank Valparaiso, Neb. commercial 2.15 2.33 67,337 17.38 42.37
  Citizens Progressive Bank Winnsboro, La. commercial 2.15 1.53 85,946 15.22 64.15
  PrinsBank Prinsburg, Minn. commercial 2.15 1.50 122,131 23.49 53.11
  NewFirst National Bank El Campo, Texas commercial 2.15 1.93 505,882 21.56 58.10
  Spring Valley Bank Wyoming, Ohio commercial 2.15 3.12 75,356 5.56 38.84
  Northpointe Bank Grand Rapids, Mich. commercial 2.15 1.14 315,751 33.51 60.38
  Venture Bank Bloomington, Minn. commercial 2.15 2.06 362,472 24.90 55.75
197 Senath State Bank Mo. commercial 2.14 2.73 72,196 15.00 53.74
  Bank of Milton Wis. commercial 2.14 1.43 95,327 25.15 54.82
  Luana Savings Bank Iowa commercial 2.14 1.58 510,019 21.63 37.79
  First State Bank Yukon, Okla. commercial 2.14 1.29 21,191 25.07 72.28
  First National Bank Fort Pierre, S.D. commercial 2.14 2.36 736,736 10.15 41.10

Note: Independent banks and thrifts operating as of March 8, 2013, 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.
© 2013 American Banker

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