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 June 30, 2013. Dollars in thousands
Published October 29, 2013

Rank Company Type of
institution
Return on
avg. assets
Total
assets
Return on
avg. equity
Efficiency
ratio
2Q 2013 2Q 2012
1 First Credit Bank Los Angeles commercial 10.19% 6.29% $381,074 26.51% 12.03%
2 Greer State Bank S.C. commercial 9.01 1.43 368,953 87.36 72.47
3 Town & Country Bank Las Vegas commercial 7.54 -4.70 126,355 60.77 70.38
4 First Scottsdale Bank Ariz. commercial 7.48 -2.08 118,631 49.36 39.95
5 First Savings Bank Northwest Renton, Wash. savings 7.45 0.82 894,087 40.79 60.45
6 CFG Community Bank Lutherville, Md. commercial 7.42 0.45 477,778 69.04 38.29
7 Farmers and Merchants Bank of Kendall Wis. commercial 7.02 1.82 75,719 69.45 26.17
8 First National Bank of the Gulf Coast Naples, Fla. commercial 6.62 0.65 668,444 60.85 79.38
9 Sunrise Bank Cocoa Beach, Fla. commercial 6.14 0.95 107,113 66.28 114.71
10 SouthCoast Community Bank Mount Pleasant, S.C. commercial 5.46 0.60 440,785 51.71 83.58
11 Almena State Bank Kan. commercial 5.35 1.73 29,286 69.60 44.64
12 Continental Bank Salt Lake City commercial 5.14 5.60 129,319 23.55 34.49
13 Spring Bank Bronx, N.Y. commercial 5.03 2.52 86,305 42.01 54.26
14 T Bank Dallas commercial 5.02 2.14 125,756 36.37 70.20
15 Brookhaven Bank Atlanta commercial 4.96 0.80 178,633 41.28 73.94
16 University Bank Ann Arbor, Mich. commercial 4.83 3.04 121,804 53.87 74.99
17 PrinsBank Prinsburg, Minn. commercial 4.53 2.25 116,681 46.41 40.25
18 Haverford Trust Co. Radnor, Pa. commercial 4.44 2.89 102,747 23.86 80.99
19 Victory Community Bank Fort Mitchell, Ky. savings 4.41 2.54 158,366 35.13 34.69
20 First Colorado National Bank Paonia commercial 4.34 -0.28 45,224 23.30 67.96
21 Republic Bank Bountiful, Utah commercial 4.31 3.76 559,610 32.95 11.93
22 Bank of Glen Ullin N.D. commercial 4.27 2.43 48,292 38.34 25.01
23 Helm Bank USA Miami commercial 4.23 1.15 816,137 43.84 101.57
24 Peoples State Bank Cherryvale, Kan. commercial 4.17 3.52 15,695 14.90 44.61
25 Citizens Bank of Edmond Okla. commercial 4.04 0.61 260,438 45.02 46.67
26 Corydon State Bank Iowa commercial 3.86 2.97 91,666 24.19 15.79
27 Bay Bank FSB Lutherville, Md. savings 3.83 -0.29 470,862 36.98 59.87
28 NewBank Flushing, N.Y. commercial 3.77 3.11 176,690 31.48 36.72
29 Farmers and Merchants State Bank Plankinton, S.D. commercial 3.76 2.29 85,000 37.03 35.49
30 Iowa State Bank Clarksville commercial 3.69 1.66 248,451 45.48 -25.70
31 1st Century Bank Los Angeles commercial 3.59 0.69 489,304 34.81 83.72
32 Bank of England England, Ark. commercial 3.49 3.32 244,717 27.00 82.22
  BankSouth Greensboro, Ga. savings 3.49 1.50 358,992 32.38 74.16
  Riverside Bank Sparkman, Ark. commercial 3.49 2.92 57,158 38.12 41.90
35 Peoples Community Bank Greenville, Mo. commercial 3.48 3.62 158,361 22.37 37.32
36 NOA Bank Duluth, Ga. commercial 3.45 2.70 139,023 25.93 49.04
37 Charter Bank Corpus Christi, Texas commercial 3.39 3.01 216,659 39.02 47.91
38 Guardian Savings Bank FSB West Chester, Ohio savings 3.37 4.02 816,341 38.23 40.74
  Bank of Morton Miss. commercial 3.37 2.60 60,509 25.22 47.62
40 First Financial Bank El Dorado, Ark. commercial 3.32 3.20 836,241 32.29 52.23
41 United Community Bank of North Dakota Leeds commercial 3.28 2.74 269,541 37.27 38.48
42 Heartland State Bank Redfield, S.D. commercial 3.27 2.04 75,725 32.67 39.59
43 Advantage Bank Cambridge, Ohio commercial 3.26 0.37 755,914 37.24 94.27
44 Bank 7 Oklahoma City commercial 3.24 2.73 305,488 35.25 43.84
  First State Bank of Porter Okla. commercial 3.24 2.34 36,575 20.37 51.16
46 EvaBank Cullman, Ala. commercial 3.23 1.73 323,159 30.81 35.42
47 Calusa National Bank Punta Gorda, Fla. commercial 3.19 0.79 147,497 31.50 81.87
48 Normangee State Bank Texas commercial 3.18 2.07 100,913 23.89 36.59
49 TexasBank Brownwood commercial 3.15 3.10 292,742 24.29 50.72
50 Applied Bank Newark, Del. commercial 3.11 3.20 161,994 11.27 51.49
51 State Bank of Texas Dallas commercial 3.09 2.91 471,332 16.45 30.47
  Douglas National Bank Ga. commercial 3.09 1.57 142,652 22.92 46.36
53 Goodfield State Bank Ill. commercial 3.08 3.40 74,927 22.09 50.29
54 Citizens State Bank of La Crosse Wis. commercial 3.07 3.55 129,823 33.80 47.44
55 First Covenant Bank Commerce, Ga. commercial 3.06 0.76 171,617 49.68 63.18
56 Charter Bank Eau Claire Wis. commercial 3.04 2.62 559,392 21.78 29.26
57 Crestmark Bank Troy, Mich. commercial 3.00 3.20 470,981 23.86 56.06
58 Justin State Bank Texas commercial 2.99 1.57 68,440 22.75 46.14
59 Wyoming Bank & Trust Cheyenne commercial 2.97 2.34 131,611 29.07 79.16
60 First Bank of Chandler Okla. commercial 2.96 2.62 82,020 29.30 37.91
  First State Bank Scottsbluff, Neb. commercial 2.96 2.59 229,020 31.88 42.94
62 Wells Bank of Platte City Mo. commercial 2.95 2.83 103,556 31.93 40.68
63 Bank of Montana Missoula commercial 2.93 1.46 47,781 24.13 46.93
  Nebraska State Bank Oshkosh commercial 2.93 2.15 47,616 31.53 43.00
65 ACB Bank Cherokee, Okla. commercial 2.92 2.59 80,386 33.40 45.95
  Premier Bank Rock Valley, Iowa commercial 2.92 2.97 278,202 26.40 28.74
  State Bank of Townsend Mont. commercial 2.92 0.93 51,889 29.19 54.64
68 Payne County Bank Perkins, Okla. commercial 2.90 2.57 134,842 15.91 47.68
  Taylor County Bank Campbellsville, Ky. commercial 2.90 2.47 163,758 26.40 51.95
70 Proficio Bank Cottonwood Heights, Utah commercial 2.88 3.28 220,985 21.73 95.35
71 Commercial Capital Bank Delhi, La. commercial 2.87 2.84 62,164 27.93 47.78
  WestSide Bank Hiram, Ga. commercial 2.87 0.21 119,755 57.04 52.76
73 Crescent Bank & Trust New Orleans commercial 2.84 5.60 851,569 26.77 55.53
  Commercial State Bank of Wagner S.D. commercial 2.84 1.62 131,000 24.67 41.93
75 Abbeville Building & Loan La. savings 2.83 2.06 53,775 10.67 54.11
76 Marlin Business Bank Salt Lake City commercial 2.82 2.73 572,348 18.80 47.33
  First National Bank Fabens, Texas commercial 2.82 2.49 320,569 29.12 49.90
78 Yellowstone Bank Laurel, Mont. commercial 2.80 2.78 462,732 15.23 42.97
79 Cowboy Bank of Texas Maypearl commercial 2.79 2.13 54,619 31.24 50.90
  Town and Country Bank Midwest Quincy, Ill. commercial 2.79 2.96 151,103 29.28 54.03
81 First Security Bank-Hendricks Minn. commercial 2.77 1.50 20,853 24.09 48.43
82 Bank of Hydro Okla. commercial 2.76 2.64 118,825 33.36 40.07
  Beauregard Federal Savings Bank Deridder, La. savings 2.76 2.77 52,325 14.96 53.04
84 West Texas National Bank Midland commercial 2.75 1.85 844,253 27.48 47.12
85 First Community Bank Corpus Christi, Texas commercial 2.72 1.84 360,289 34.42 57.79
86 Prime Bank Edmond, Okla. commercial 2.71 2.98 182,918 27.43 42.72
87 First Community Bank Santa Rosa, Calif. commercial 2.69 0.29 678,317 23.37 44.42
  Great Plains National Bank Elk City, Okla. commercial 2.69 2.67 449,742 29.03 62.24
  Peoples Bank Westville, Okla. commercial 2.69 3.16 54,066 25.15 50.74
90 Heartland Bank Bryant, Ark. commercial 2.68 4.23 202,302 19.04 48.16
91 Community Bank Longview, Texas commercial 2.67 2.32 207,210 36.17 46.58
  Crockett National Bank San Angelo, Texas commercial 2.67 2.29 442,408 25.98 75.32
  Liberty State Bank Powers Lake, N.D. commercial 2.67 2.32 69,609 31.47 30.80
  Metro Phoenix Bank Ariz. commercial 2.67 0.97 81,997 23.19 61.64
95 Peoples State Bank Summit, S.D. commercial 2.66 2.34 55,465 24.02 40.58
96 Liberty Savings Bank FSB St. Cloud, Minn. savings 2.62 1.07 188,855 26.70 60.59
  Waggoner National Bank of Vernon Texas commercial 2.62 2.74 259,871 19.34 46.25
98 Bank of Hemet Riverside, Calif. commercial 2.61 3.01 460,733 21.60 46.24
99 Ruby Valley National Bank Twin Bridges, Mont. commercial 2.60 2.75 78,528 18.76 49.78
100 Commercial National Bank of Texarkana Texas commercial 2.58 1.29 189,810 31.01 75.02
  Security Bank Tulsa, Okla. commercial 2.58 1.94 433,343 23.84 29.34
102 Security State Bank Sutherland, Iowa commercial 2.57 2.87 96,710 29.09 35.98
  Spring Valley Bank Wyoming, Ohio commercial 2.57 2.06 74,945 7.16 47.47
104 First Bank & Trust Co. Wagoner, Okla. commercial 2.56 1.78 253,421 25.15 40.51
  Forreston State Bank Ill. commercial 2.56 1.72 94,832 21.26 39.71
106 Cache Valley Bank Logan, Utah commercial 2.55 1.83 527,010 21.09 44.31
107 Crescom Bank Charleston, S.C. commercial 2.53 0.82 877,677 24.69 56.40
  Peoples Community State Bank Doniphan, Mo. commercial 2.53 0.68 129,825 15.49 45.53
  State Bank of Cochran Ga. commercial 2.53 0.36 219,755 20.22 45.07
  Treasure State Bank Missoula, Mont. commercial 2.53 0.41 66,123 25.70 183.88
111 Peoples Bank Lebanon, Ky. commercial 2.52 0.39 51,991 27.60 67.57
  State Bank in Eden Valley Minn. commercial 2.52 2.35 29,447 27.89 54.81
113 First Bank Upper Michigan Gladstone commercial 2.51 2.34 168,004 13.62 50.93
114 Pony Express Bank Liberty, Mo. commercial 2.50 1.71 135,923 17.68 48.35
115 First National Bank of Hughes Springs Texas commercial 2.49 2.42 225,601 15.76 49.82
  Murphy Bank Fresno, Calif. commercial 2.49 2.34 133,441 16.19 48.37
  Peoples Bank Mendenhall, Miss. commercial 2.49 2.87 226,467 25.39 52.73
  St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.49 2.78 411,981 23.66 51.47
119 Century Bank of the Ozarks Gainesville, Mo. commercial 2.48 1.84 169,677 26.22 50.14
  First American Bank Stonewall, Okla. commercial 2.48 2.74 25,776 22.48 54.13
  FirstAtlantic Bank Jacksonville, Fla. savings 2.48 0.85 402,070 21.78 40.83
  Heritage State Bank Lawrenceville, Ill. commercial 2.48 2.84 75,663 25.20 51.21
  Wallis State Bank Texas commercial 2.48 1.96 376,877 24.20 59.87
124 First Bank of Berne Ind. commercial 2.47 2.56 513,642 24.84 46.59
  Centrue Bank Streator, Ill. commercial 2.47 0.23 885,586 32.42 91.67
  First National Bank South Alma, Ga. commercial 2.47 1.19 309,407 17.58 60.19
  Stock Growers Bank Napoleon, N.D. commercial 2.47 1.83 56,777 21.15 38.34
128 Citizens State Bank Miles, Texas commercial 2.46 2.23 84,700 23.79 48.23
  Great Plains National Bank Belfield, N.D. commercial 2.46 2.25 181,750 26.76 40.83
  Verus Bank of Commerce Fort Collins, Colo. commercial 2.46 1.98 265,761 16.96 26.39
131 First National Bank Fort Pierre, S.D. commercial 2.45 2.00 716,104 11.06 40.53
  Central State Bank Pleasant Hill, Ill. commercial 2.45 2.30 115,873 15.96 53.79
133 Americana Community Bank Sleepy Eye, Minn. commercial 2.44 -0.33 122,719 82.02 63.16
  Bank of St. Elizabeth Mo. commercial 2.44 2.23 100,175 21.73 47.57
  First Federal Savings and Loan Bank Olathe, Kan. commercial 2.44 2.33 65,160 18.81 41.82
136 Kansas State Bank of Manhattan commercial 2.42 2.21 983,785 26.42 44.39
  Cumberland Security Bank Somerset, Ky. commercial 2.42 2.20 162,508 18.33 53.80
  Freedom Bank Huntingburg, Ind. commercial 2.42 2.34 333,338 25.46 39.46
  Viking Savings Bank Alexandria, Minn. savings 2.42 2.07 150,758 12.61 44.41
140 Bank of the West Thomas, Okla. commercial 2.41 2.23 127,150 20.77 51.26
  Milledgeville State Bank Ill. commercial 2.41 2.23 97,287 19.84 40.51
  Premier Bank Minnesota Hastings commercial 2.41 0.28 170,906 27.82 73.12
  Southwest State Bank Sentinel, Okla. commercial 2.41 1.47 102,732 26.33 41.17
144 Cendera Bank Bells, Texas commercial 2.40 0.46 46,872 16.83 93.47
  First National Bank Arcadia, La. commercial 2.40 1.86 198,742 28.73 55.54
  Pender State Bank Neb. commercial 2.40 1.97 147,466 18.47 45.32
  Prime Security Bank Karlstad, Minn. commercial 2.40 -0.28 58,711 33.68 62.19
  State Bank of Chilton Wis. commercial 2.40 1.63 153,393 15.33 43.84
  Volunteer State Bank Portland, Tenn. commercial 2.40 3.48 409,103 24.69 73.82
150 Liberty Savings Bank FSB Wilmington, Ohio savings 2.39 4.04 577,168 16.18 60.14
  First Community Bank of Bedford County Shelbyville, Tenn. commercial 2.39 2.88 318,756 16.71 66.19
152 Points West Community Bank Julesburg, Colo. commercial 2.38 2.70 202,898 24.18 45.81
  Bank of Advance Mo. commercial 2.38 2.34 291,646 16.50 48.77
  Bank of Bloomsdale Mo. commercial 2.38 2.63 196,971 23.94 45.80
  Bank of Buffalo Ky. commercial 2.38 2.78 72,595 20.61 31.39
  First State Bank Yukon, Okla. commercial 2.38 1.93 21,488 29.13 67.86
  National Bank of Andrews Texas commercial 2.38 1.91 148,511 27.27 55.67
  Oak Creek Valley Bank Valparaiso, Neb. commercial 2.38 2.33 70,313 21.92 42.50
159 Exchange Bank Gibbon, Neb. commercial 2.37 2.31 471,064 23.52 36.91
  Live Oak Banking Co. Wilmington, N.C. commercial 2.37 6.01 389,523 22.53 80.46
161 Five Star Bank Rocklin, Calif. commercial 2.36 2.19 540,886 26.68 39.70
  Farmers Bank & Trust Co. Magnolia, Ark. commercial 2.36 1.70 765,371 21.06 42.59
  Peoples National Bank Colorado Springs, Colo. commercial 2.36 3.05 286,290 22.01 81.56
  First National Bank of Henning Ottertail, Minn. commercial 2.36 1.46 99,710 19.89 51.81
  Grant County State Bank Carson, N.D. commercial 2.36 2.06 32,714 23.16 49.04
  Pacific Enterprise Bank Irvine, Calif. commercial 2.36 2.21 316,783 20.15 46.24
167 Bank of Houston Mo. commercial 2.35 0.44 43,680 21.04 64.51
  McKenzie County Bank Watford City, N.D. commercial 2.35 2.04 110,682 29.53 47.36
169 Port Richmond Savings Philadelphia savings 2.34 2.14 67,440 14.82 45.02
  Southwest Capital Bank Las Vegas, N.M. commercial 2.34 3.54 217,982 24.70 47.76
171 Choice Financial Group Grafton, N.D. commercial 2.33 2.34 662,141 22.67 54.56
172 Community Bank Inc. Ronan, Mont. commercial 2.32 1.07 177,627 21.11 61.38
  Peoples State Bank McDonald, Kan. commercial 2.32 2.57 131,949 26.94 47.36
  Putnam County State Bank Unionville, Mo. commercial 2.32 1.49 158,303 22.64 17.27
175 Security Bank Midland, Texas commercial 2.31 1.85 763,719 20.70 52.85
  Farmers National Bank of Griggsville Ill. commercial 2.31 1.75 68,360 25.64 52.15
177 Brazos National Bank Richwood, Texas commercial 2.30 2.82 26,812 12.56 91.26
  Prime Alliance Bank Woods Cross, Utah commercial 2.30 1.36 138,289 18.15 48.56
  Quail Creek Bank Oklahoma City commercial 2.30 2.44 519,487 24.41 48.02
180 Morris State Bank Okla. commercial 2.29 2.67 67,109 27.24 53.25
  Bank of DeSoto Texas commercial 2.29 2.18 180,753 22.80 59.12
  Bank of Mauston Wis. commercial 2.29 1.96 254,187 20.93 44.12
  Capital Bank Rockville, Md. commercial 2.29 1.43 494,569 28.68 59.35
  First National Bank of Picayune Miss. commercial 2.29 2.11 202,866 18.90 54.61
  First Western Federal Savings Bank Rapid City, S.D. savings 2.29 2.39 35,989 12.23 62.73
  Guaranty Bank & Trust Co. of Delhi La. commercial 2.29 2.56 151,243 25.86 53.28
187 Horicon Bank Wis. commercial 2.28 1.40 529,138 18.33 55.54
  American State Bank Sioux Center, Iowa commercial 2.28 2.22 610,543 19.86 40.50
  Adrian Bank Mo. commercial 2.28 1.54 125,886 24.56 45.81
  Alliant Bank Madison, Mo. commercial 2.28 2.33 116,821 20.18 63.25
  American Bank of Commerce Provo, Utah commercial 2.28 -0.13 58,049 14.87 59.78
  Bank of Baker Mont. commercial 2.28 2.71 134,375 26.74 43.46
  State Bank of New Richland Minn. commercial 2.28 2.45 88,806 22.07 41.53
  Ultima Bank Minnesota Winge commercial 2.28 2.49 135,913 24.76 56.57
195 Brush Country Bank Freer, Texas commercial 2.27 1.72 48,123 26.11 53.57
  Dakota Western Bank Bowman, N.D. commercial 2.27 2.01 223,946 22.94 47.54
197 Homeland Federal Savings Bank Columbia, La. savings 2.26 2.06 156,305 21.12 52.78
  Midwest Bank Detroit Lakes, Minn. commercial 2.26 2.26 337,397 24.07 50.70
  Progressive Ozark Bank Salem, Mo. commercial 2.26 1.98 120,196 21.69 62.97
200 BankWest Inc. Pierre, S.D. commercial 2.25 1.34 817,970 24.02 57.97
  HNB National Bank Hannibal, Mo. commercial 2.25 2.43 410,265 21.22 51.88

Note: Independent banks and thrifts operating as of August 26, 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