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 Dec. 31, 2013. Dollars in thousands
Published May 5, 2014

Rank Company Type of
institution
Return on
avg. assets
Total
assets
Return on
avg. equity
Efficiency
ratio
4Q 2013 4Q 2012
1 Continental Bank Salt Lake City commercial bank 6.95% 6.85% $139,242 32.62% 29.22
2 First Credit Bank Los Angeles commercial bank 6.73 5.36 403,171 17.92 13.98
3 Royal Savings Bank Chicago savings bank 6.12 0.48 118,916 35.02 74.82
4 Metro Phoenix Bank commercial bank 5.93 0.37 87,613 49.53 80.36
5 Sierra Vista Bank Folsom, Calif. commercial bank 5.26 -0.60 101,748 41.68 81.98
6 Fidelity Bank of Florida Merritt Island, Fla. commercial bank 5.16 0.23 283,532 87.01 82.20
7 CFG Community Bank Baltimore commercial bank 4.93 1.68 481,195 41.34 48.90
8 Live Oak Banking Company Wilmington, N.C. commercial bank 4.81 6.19 415,565 46.18 66.74
9 Peoples State Bank Cherryvale, Kan. commercial bank 4.65 4.25 16,808 16.40 41.44
10 Home Federal Savings Bank Rochester, Minn. savings bank 4.57 0.92 647,428 38.99 80.78
11 Bank of Rison Ark. commercial bank 4.55 -4.42 25,782 29.58 62.87
12 Clarkston State Bank Mich. commercial bank 4.12 1.83 127,269 43.34 81.82
13 Republic Bank Bountiful, Utah commercial bank 4.00 3.79 459,978 31.56 13.26
14 First Central Savings Bank Glen Cove, N.Y. savings bank 3.94 0.58 504,694 50.22 85.73
15 Clayton Bank and Trust Knoxville, Tenn. commercial bank 3.88 3.08 678,563 24.96 35.96
16 Farmers and Merchants Bank of Kendall Wis. commercial bank 3.85 2.24 73,647 33.01 39.55
17 T Bank Dallas commercial bank 3.75 2.13 145,207 27.34 76.32
18 Town & Country Bank Las Vegas commercial bank 3.67 -2.96 123,172 28.50 78.54
19 Pinnacle Bank Gilroy, Calif. commercial bank 3.63 0.12 189,758 33.92 87.83
20 Bank of Camden Tenn. commercial bank 3.58 2.26 305,013 23.91 24.32
  PrinsBank Prinsburg, Minn. commercial bank 3.58 2.15 119,380 35.45 48.85
22 State Bank of Texas Dallas commercial bank 3.46 2.68 432,266 17.32 34.34
23 Americas United Bank Glendale, Calif. commercial bank 3.40 1.73 119,513 19.34 85.34
24 Crestmark Bank Troy, Mich. commercial bank 3.32 2.96 499,298 25.34 59.66
25 Guardian Savings Bank FSB West Chester, Ohio savings bank 3.30 4.37 812,501 36.09 39.29
26 Charter Bank Corpus Christi, Texas commercial bank 3.29 3.11 229,484 40.47 49.16
27 Bank of Atlanta Ga. savings bank 3.27 0.33 186,458 30.63 92.11
28 NOA Bank Duluth, Ga. commercial bank 3.26 2.46 159,647 24.64 54.10
29 Heartland Bank Bryant, Ark. commercial bank 3.23 2.90 208,005 23.03 46.14
30 Corydon State Bank Iowa commercial bank 3.21 3.40 94,099 19.93 21.92
  Victory Community Bank Fort Mitchell, Ky. savings bank 3.21 3.08 159,077 25.80 41.54
32 Peoples Community Bank Greenville, Mo. commercial bank 3.20 3.47 163,568 20.52 42.09
33 Pacific City Bank Los Angeles commercial bank 3.16 1.40 755,910 27.91 55.94
34 TexasBank Brownwood commercial bank 3.11 3.05 332,908 25.11 50.67
35 Citizens State Bank of La Crosse Wis. commercial bank 3.08 3.45 141,020 33.88 47.22
  Spring Valley Bank Wyoming, Ohio commercial bank 3.08 1.54 75,114 8.27 39.40
37 Pacific Commerce Bank Los Angeles commercial bank 3.06 0.55 173,154 21.01 94.67
38 Southwest State Bank Sentinel, Okla. commercial bank 3.02 1.80 101,902 32.16 45.43
39 Goodfield State Bank Ill. commercial bank 2.96 4.25 89,307 21.97 52.27
  Riverside Bank Sparkman, Ark. commercial bank 2.96 2.72 55,629 32.00 48.35
41 NewBank Flushing, N.Y. commercial bank 2.92 2.50 182,349 23.63 40.84
  Marlin Business Bank Salt Lake City commercial bank 2.92 2.68 631,085 19.75 44.90
43 INSOUTH Bank Brownsville, Tenn. commercial bank 2.90 0.81 301,440 36.24 90.17
  Wells Bank of Platte City Mo. commercial bank 2.90 2.98 108,316 31.65 40.19
  Pacific Valley Bank Salinas, Calif. commercial bank 2.90 1.12 212,243 24.51 76.97
46 ProAmérica Bank Los Angeles commercial bank 2.89 0.74 152,777 18.48 83.78
47 Suncrest Bank Visalia, Calif. commercial bank 2.88 0.41 126,278 23.02 86.35
48 Prime Bank Edmond, Okla. commercial bank 2.87 3.06 195,016 29.70 40.82
49 First Financial Bank El Dorado, Ark. commercial bank 2.84 3.41 855,988 27.57 55.28
  First Savings Bank Northwest Renton, Wash. savings bank 2.84 0.42 914,290 15.71 61.72
51 Charter Bank Eau Claire Wis. commercial bank 2.83 2.49 559,219 20.82 33.92
  International City Bank Long Beach, Calif. commercial bank 2.83 0.79 134,262 18.96 57.25
53 Choice Financial Group Grafton, N.D. commercial bank 2.81 2.38 653,119 26.77 51.98
  Premier Bank Rock Valley, Iowa commercial bank 2.81 2.55 291,245 25.30 31.61
55 Haverford Trust Company Radnor, Pa. commercial bank 2.79 2.24 105,293 14.89 88.31
56 Bank 7 Oklahoma City commercial bank 2.78 2.84 352,044 31.45 47.80
  Village Bank St. Francis, Minn. commercial bank 2.78 -0.78 165,398 49.23 69.24
58 First State Bank of Porter Porter, Okla. commercial bank 2.77 2.43 34,139 17.14 59.69
59 First Western Federal Savings Bank Rapid City, S.D. savings bank 2.74 3.07 38,444 14.94 59.17
  Bank of Buffalo Ky. commercial bank 2.74 2.60 70,447 24.28 32.17
61 First American Bank Stonewall, Okla. commercial bank 2.73 2.80 29,004 24.82 52.74
  Farmers and Merchants State Bank Plankinton, S.D. commercial bank 2.73 2.48 92,548 27.55 41.64
  Yellowstone Bank Laurel, Mont. commercial bank 2.73 2.78 480,861 14.67 44.28
  Murphy Bank Fresno, Calif. commercial bank 2.73 2.79 144,398 17.86 48.52
65 Evansville Commerce Bank Ind. commercial bank 2.72 -0.49 78,016 30.52 90.21
66 Heartland State Bank Redfield, S.D. commercial bank 2.71 2.32 78,959 26.94 47.93
  First Bank of Chandler Okla. commercial bank 2.71 2.57 83,883 26.69 41.01
  Ciera Bank Graham, Texas commercial bank 2.71 1.90 502,076 25.81 53.64
  First National Bank Fabens, Texas commercial bank 2.71 2.66 323,036 27.51 48.72
70 Bank of Hemet Riverside, Calif. commercial bank 2.67 2.88 455,295 22.28 46.01
  Peoples State Bank Summit, S.D. commercial bank 2.67 2.35 56,488 23.76 38.26
72 Idaho Trust Bank Boise commercial bank 2.66 2.29 75,878 11.36 83.88
73 Waggoner National Bank of Vernon Vernon, Texas commercial bank 2.65 2.83 263,195 19.80 45.98
  Midwest Bank Detroit Lakes, Minn. commercial bank 2.65 2.29 343,790 28.03 46.02
75 Security State Bank Sutherland, Iowa commercial bank 2.64 2.68 103,689 29.78 36.49
76 First State Bank Scottsbluff, Neb. commercial bank 2.63 2.22 235,521 28.40 47.99
  Bank of Glen Ullin N.D. commercial bank 2.63 2.25 47,265 24.11 43.99
78 Bank of Hydro Okla. commercial bank 2.61 2.59 121,505 31.93 41.32
79 Northstar Bank Bad Axe, Mich. commercial bank 2.58 1.99 461,291 26.99 69.40
80 Bank of Morton Miss. commercial bank 2.57 2.47 63,659 19.37 54.41
81 United Community Bank of North Dakota Leeds commercial bank 2.55 2.52 282,254 29.43 46.07
  Greer State Bank S.C. commercial bank 2.55 1.38 357,918 25.29 70.91
83 Morris State Bank Okla. commercial bank 2.54 2.54 68,925 29.82 50.77
84 Security Bank Tulsa, Okla. commercial bank 2.53 2.25 463,734 23.83 29.98
  St. Martin Bank and Trust Company St. Martinville, La. commercial bank 2.53 2.78 422,451 23.69 51.99
  Crockett National Bank San Angelo, Texas commercial bank 2.53 2.60 440,149 26.48 72.35
87 ACB Bank Cherokee, Okla. commercial bank 2.51 2.71 81,564 28.94 48.71
88 Nebraska State Bank Oshkosh commercial bank 2.49 2.26 47,151 25.64 46.27
89 Bank of the West Thomas, Okla. commercial bank 2.48 2.10 134,448 21.37 51.70
  Douglas National Bank Ga. commercial bank 2.48 1.94 154,037 18.30 51.24
91 Peoples Bank Mendenhall, Miss. commercial bank 2.47 2.40 237,114 25.21 53.27
  Almena State Bank Kan. commercial bank 2.47 1.87 30,319 31.83 65.40
  Cowboy Bank of Texas Maypearl commercial bank 2.47 2.37 55,418 26.85 54.56
94 United Bank Springdale, Ark. savings bank 2.46 1.32 136,949 16.63 78.21
95 Pony Express Bank Liberty, Mo. commercial bank 2.45 1.70 138,689 17.31 50.02
  Great Plains National Bank Elk City, Okla. commercial bank 2.45 2.74 539,275 26.87 63.07
97 Taylor County Bank Campbellsville, Ky. commercial bank 2.44 2.30 167,485 22.40 52.02
98 Abbeville Building & Loan (A State-Chartered Savings Bank) La. savings bank 2.43 1.90 55,963 9.51 56.58
99 First National Bank of Picayune Miss. commercial bank 2.42 1.91 199,897 19.66 53.26
  Freedom Bank Huntingburg, Ind. commercial bank 2.42 2.44 334,258 25.36 39.91
  CapStone Bank Raleigh, N.C. commercial bank 2.42 0.84 381,604 20.91 43.16
  Premier Business Bank Los Angeles commercial bank 2.42 0.37 175,085 19.10 89.76
103 EvaBank Cullman, Ala. commercial bank 2.40 1.71 323,275 22.38 41.79
  Marine Bank & Trust Company Vero Beach, Fla. commercial bank 2.40 -2.62 144,971 39.64 83.61
105 American City Bank Tullahoma, Tenn. commercial bank 2.39 1.90 269,057 14.94 38.01
106 First State Bank Wrens, Ga. commercial bank 2.38 -0.60 89,644 42.49 86.99
107 Points West Community Bank Julesburg, Colo. commercial bank 2.37 2.95 207,829 23.98 46.50
  First National Bank Fort Pierre, S.D. commercial bank 2.37 2.14 722,823 10.63 39.64
  Commercial State Bank of Wagner S.D. commercial bank 2.37 1.85 138,665 20.71 44.07
110 Bank of Baker Mont. commercial bank 2.35 2.25 147,658 27.10 43.01
  Citizens State Bank Miles, Texas commercial bank 2.35 2.33 86,987 23.21 51.59
  Plains Commerce Bank Hoven, S.D. commercial bank 2.35 2.32 515,115 16.64 55.52
113 First Federal Savings and Loan Bank Olathe, Kan. commercial bank 2.34 1.91 66,262 18.14 42.93
  Ruby Valley National Bank Twin Bridges, Mont. commercial bank 2.34 1.86 84,815 16.77 54.67
115 Liberty State Bank Powers Lake, N.D. commercial bank 2.33 2.29 77,117 27.64 34.85
  Liberty Savings Bank, FSB St. Cloud, Minn. savings bank 2.33 1.68 190,809 23.57 66.16
117 Beauregard Federal Savings Bank DeRidder, La. savings bank 2.30 2.29 57,660 12.70 54.87
  Progressive Ozark Bank Salem, Mo. commercial bank 2.30 2.22 118,498 22.67 63.33
  Community Bank Longview, Texas commercial bank 2.30 2.23 224,179 29.14 47.85
  Bank of Advance Mo. commercial bank 2.30 2.47 300,985 15.77 49.13
  Spring Bank Bronx, N.Y. commercial bank 2.30 2.48 98,990 18.99 67.46
122 American State Bank Sioux Center, Iowa commercial bank 2.29 2.48 637,357 19.79 42.22
  Prime Alliance Bank Woods Cross, Utah commercial bank 2.29 1.56 138,324 17.29 50.86
124 First Bank Upper Michigan Gladstone, Mich. commercial bank 2.28 2.34 165,155 12.25 52.17
  Quail Creek Bank Oklahoma City commercial bank 2.28 2.25 541,168 24.55 47.74
126 First Bank Blue Earth Minn. commercial bank 2.27 2.01 186,538 21.01 48.07
  Town and Country Bank Midwest Quincy, Ill. commercial bank 2.27 2.71 149,439 20.43 56.71
  Bloomsdale Bank Mo. commercial bank 2.27 2.40 190,798 23.13 44.11
  Hodge Bank & Trust Company La. commercial bank 2.27 2.18 66,370 17.02 48.97
130 First Bank of Berne Ind. commercial bank 2.26 2.40 547,340 22.96 51.84
  Ultima Bank Minnesota Winger commercial bank 2.26 2.40 147,147 25.18 56.20
  Oak Creek Valley Bank Valparaiso, Neb. commercial bank 2.26 2.15 69,436 20.83 40.10
  Mid America Bank & Trust Company Dixon, Mo. commercial bank 2.26 1.91 143,088 19.82 50.14
134 Bank of DeSoto Texas commercial bank 2.24 2.31 179,390 22.02 59.51
135 HNB National Bank Hannibal, Mo. commercial bank 2.22 2.31 404,334 20.69 52.69
  Farmers Exchange Bank Cherokee, Okla. commercial bank 2.22 2.59 221,846 23.72 44.47
  Sunrise Bank Cocoa Beach, Fla. commercial bank 2.22 2.06 106,134 23.28 83.27
138 First Community Bank Santa Rosa, Calif. commercial bank 2.20 0.84 779,213 19.49 49.52
  Union Bank of Mena Ark. commercial bank 2.20 2.24 189,790 21.09 60.59
  Vermillion State Bank Minn. commercial bank 2.20 2.17 492,729 17.86 30.88
  Coffee County Bank Manchester, Tenn. commercial bank 2.20 1.51 122,205 17.84 52.23
  Bank of England Ark. commercial bank 2.20 3.25 245,863 16.95 86.27
  First Bank & Trust Company Wagoner, Okla. commercial bank 2.20 1.51 288,837 21.55 47.87
  First National Bank of Hughes Springs Texas commercial bank 2.20 2.22 213,521 14.20 53.21
  Heritage State Bank Lawrenceville, Ill. commercial bank 2.20 2.39 73,335 22.13 58.36
  LincolnWay Community Bank New Lenox, Ill. commercial bank 2.20 0.41 137,494 22.66 70.51
147 United Farmers State Bank Adams, Minn. commercial bank 2.18 2.33 84,235 19.00 44.75
  City Savings Bank & Trust Company De Ridder, La. commercial bank 2.18 2.21 276,083 19.41 58.14
  Farmers and Merchants State Bank of Pierz Minn. commercial bank 2.18 2.57 175,379 21.38 50.11
  Coleman County State Bank Texas commercial bank 2.18 2.09 94,732 23.32 58.65
  Commercial Bank of Mott N.D. commercial bank 2.18 1.75 94,185 20.64 41.82
  New Horizon Bank Powhatan, Va. commercial bank 2.18 -0.15 51,997 16.92 86.77
153 Home Bank of California San Diego commercial bank 2.17 2.46 99,230 11.23 55.91
  Vintage Bank Waxahachie, Texas commercial bank 2.17 2.04 161,182 21.92 58.39
  New Era Bank Fredericktown, Mo. commercial bank 2.17 2.45 262,995 17.26 44.18
156 Century Bank of the Ozarks Gainesville, Mo. commercial bank 2.16 1.92 169,305 22.70 56.41
  Grant County State Bank Carson, N.D. commercial bank 2.16 1.87 33,653 21.07 53.91
158 American Midwest Bank Sycamore, Ill. commercial bank 2.15 0.41 464,659 19.11 74.45
  Crescent Bank & Trust New Orleans commercial bank 2.15 4.21 865,540 19.94 59.69
  First Eagle Bank Chicago commercial bank 2.15 2.13 416,584 14.63 42.60
161 Commercial State Bank Andrews, Texas commercial bank 2.14 1.49 487,608 23.57 55.56
  Venture Bank Bloomington, Minn. commercial bank 2.14 2.15 412,093 25.22 51.70
163 Bank of Alma Wis. commercial bank 2.13 1.53 193,812 6.21 20.83
  Great Plains Bank Eureka, S.D. commercial bank 2.13 2.13 101,809 21.42 45.62
  State Bank of New Richland Minn. commercial bank 2.13 2.59 93,876 21.08 43.61
166 Waukon State Bank Iowa commercial bank 2.12 2.40 236,527 16.80 41.38
  First Bank of Owasso Okla. commercial bank 2.12 1.68 225,297 18.73 53.50
  Pender State Bank Neb. commercial bank 2.12 2.04 157,828 16.28 43.15
  Verus Bank of Commerce Fort Collins, Colo. commercial bank 2.12 2.00 266,021 14.75 29.94
  Metro City Bank Doraville, Ga. commercial bank 2.12 2.11 514,914 17.62 41.97
171 Nodaway Valley Bank Maryville, Mo. commercial bank 2.11 2.01 812,665 19.15 51.72
  Exchange Bank Gibbon, Neb. commercial bank 2.11 2.35 493,436 21.06 37.31
173 Five Star Bank Rocklin, Calif. commercial bank 2.10 2.32 564,382 24.17 44.12
  Farmers Bank & Trust Company Magnolia, Ark. commercial bank 2.10 1.79 812,406 18.95 45.29
  Union Bank & Trust Company Livingston, Tenn. commercial bank 2.10 2.24 79,881 18.06 51.55
  Marion County State Bank Pella, Iowa commercial bank 2.10 2.40 262,133 19.86 40.59
  Southwest Capital Bank Las Vegas, N.M. commercial bank 2.10 2.37 238,882 22.11 51.55
  Brunswick State Bank Neb. commercial bank 2.10 2.51 94,203 23.38 45.66
  Bank of Deerfield Wis. commercial bank 2.10 2.25 115,252 15.66 54.72
  Security Bank Midland, Texas commercial bank 2.10 1.89 809,893 19.09 55.85
181 Mississippi River Bank Belle Chasse, La. commercial bank 2.09 2.64 135,952 20.25 50.89
  Lamar Bank and Trust Company Mo. commercial bank 2.09 2.22 132,265 22.61 51.57
  Fife Commercial Bank Wash. commercial bank 2.09 2.69 83,801 16.97 57.07
184 First Bank Burkburnett, Texas commercial bank 2.08 1.99 296,452 21.61 68.46
  Dakota Western Bank Bowman, N.D. commercial bank 2.08 1.89 251,279 21.11 47.52
  Justin State Bank Texas commercial bank 2.08 1.25 67,929 15.85 64.56
187 BankSouth Greensboro, Ga. savings bank 2.07 2.21 354,733 19.51 81.77
  Payne County Bank Perkins, Okla. commercial bank 2.07 2.16 141,654 11.50 58.80
  Milledgeville State Bank Ill. commercial bank 2.07 2.26 102,277 17.36 43.81
  Guaranty Bank & Trust Company of Delhi La. commercial bank 2.07 2.22 165,131 24.26 56.36
  Mountain Commerce Bank Erwin, Tenn. commercial bank 2.07 0.66 324,292 23.31 72.85
192 Security National Bank of Enid Okla. commercial bank 2.06 2.11 329,487 22.03 46.17
193 American Bank of St. Paul Minn. commercial bank 2.05 -1.25 312,984 36.44 89.09
  First State Bank Shallowater, Texas commercial bank 2.05 1.76 59,207 12.32 58.19
195 Homeland Federal Savings Bank Columbia, La. savings bank 2.04 1.95 154,244 18.98 57.61
  NewFirst National Bank El Campo, Texas commercial bank 2.04 2.15 539,103 19.87 60.59
  Maynard Savings Bank Iowa commercial bank 2.04 1.92 56,084 14.61 44.56
198 Farmers State Bank Allen Okla. commercial bank 2.03 2.05 40,001 18.27 59.93
  Cumberland Security Bank, Inc. Somerset, Ky. commercial bank 2.03 1.85 161,239 15.32 55.00
  First National Bank of Bangor Bangor, Wis. commercial bank 2.03 2.40 222,859 9.81 25.36
  Bank Northwest Hamilton, Mo. commercial bank 2.03 1.96 105,118 23.63 50.86
  Global Bank New York commercial bank 2.03 0.50 119,655 16.08 84.44

Note: Independent banks and thrifts operating as of Dec. 31, 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.
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