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Community Banks with the Highest Returns on Average Assets

December 30, 2014, 8:28 p.m. EST 1 Min Read
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Community Banks with the Highest Returns on Average Assets

Community Banks with the Highest Returns on Average AssetsOn June 30, 2014. Dollars in thousands
Published December 30, 2014
Rank Company Type of
institution		 Return on
avg. assets		 Total
assets		 Return on
avg. equity		 Efficiency
ratio
2Q 2014 2Q 2013
1 Foundations Bank Pewaukee, Wis. commercial 19.50% 0.11% $125,090 120.07% 76.76
2 Sandhills Bank North Myrtle Beach, S.C. commercial 11.93 0.71 102,905 120.77 85.31
3 Floridian Bank Daytona Beach, Fla. commercial 11.68 0.27 388,046 138.31 82.39
4 Pan Pacific Bank Fremont, Calif. commercial 10.40 0.15 110,337 70.66 90.02
5 Peoples Bank & Trust Co. Ryan, Okla. commercial 8.87 2.15 30,752 70.43 72.73
6 Continental Bank Salt Lake City commercial 8.10 5.14 168,934 45.50 31.46
7 Live Oak Banking Co. Wilmington, N.C. commercial 6.84 2.37 501,837 65.45 54.36
8 Haverford Trust Co. Radnor, Pa. commercial 6.34 4.44 106,630 32.34 77.21
9 First Credit Bank Los Angeles commercial 6.33 10.19 391,861 15.38 13.64
10 Premier Bank & Trust North Canton, Ohio commercial 5.98 0.48 261,959 55.35 83.01
11 Bank of Eastman Ga. commercial 5.50 -1.41 193,469 99.00 41.01
12 Carolina Alliance Bank Spartanburg, S.C. commercial 5.26 0.42 410,669 49.12 38.63
13 Mohave State Bank Lake Havasu City, Ariz. commercial 5.21 0.52 301,878 47.11 73.10
14 Texas Heritage National Bank Daingerfield commercial 4.92 1.92 114,360 45.88 38.21
15 State Bank of Texas Dallas commercial 4.90 3.09 413,266 22.12 25.37
16 EvaBank Cullman, Ala. commercial 4.80 3.23 335,920 36.94 27.32
17 Premier Bank Maplewood, Minn. commercial 4.75 1.01 565,203 45.98 25.09
18 Baraboo National Bank Wis. commercial 4.67 -2.04 443,579 52.60 46.68
19 SpiritBank Tulsa, Okla. commercial 4.65 -0.36 746,681 39.84 60.23
20 Atlantic Community Bank Bluffton, S.C. commercial 4.48 0.37 79,317 43.01 129.18
  CornerStone Bank Lexington, Va. commercial 4.48 0.66 106,070 40.10 70.99
22 OptimumBank Plantation, Fla. commercial 4.36 -6.28 128,168 82.41 43.75
23 Edgebrook Bank Chicago commercial 4.34 0.13 93,610 148.69 52.82
24 First Colorado National Bank Paonia commercial 4.27 4.34 46,922 23.37 66.94
25 Peoples State Bank Cherryvale, Kan. commercial 4.17 4.17 16,168 14.49 40.88
26 RidgeStone Bank Brookfield, Wis. commercial 3.89 2.06 384,255 29.51 44.95
27 InvestorsBank Waukesha, Wis. commercial 3.69 1.70 198,293 26.91 52.03
28 American Trust Bank of East Tennessee Knoxville commercial 3.53 0.70 134,502 30.76 65.40
29 First State Bank Scottsbluff, Neb. commercial 3.43 2.96 256,830 35.33 48.02
30 Bank of Montana Missoula commercial 3.39 2.93 51,961 27.53 48.48
  St. Louis Bank Town and Country, Mo. commercial 3.39 0.22 384,757 36.46 80.58
32 Charter Bank Corpus Christi, Texas commercial 3.38 3.39 247,775 42.24 47.35
33 Baxter State Bank Baxter Springs, Kan. commercial 3.33 0.28 30,336 15.54 55.67
34 Security Bank & Trust Co. Glencoe, Minn. commercial 3.31 1.42 445,146 32.46 52.09
35 NOA Bank Duluth, Ga. commercial 3.24 3.45 175,217 25.60 45.59
36 Great Plains National Bank Elk City, Okla. commercial 3.22 2.69 590,277 39.66 64.97
37 First Bank of Chandler Okla. commercial 3.21 2.96 85,826 31.12 37.43
38 Security State Bank Littlefield, Texas commercial 3.20 0.76 114,401 30.46 53.18
39 First Western Federal Savings Bank Rapid City, S.D. savings 3.18 2.29 40,970 18.58 46.60
  NewBank Flushing, N.Y. commercial 3.18 3.77 193,429 24.96 37.10
  Clayton Bank and Trust Knoxville, Tenn. commercial 3.18 4.13 644,121 18.01 41.57
42 Sicily Island State Bank La. commercial 3.16 1.75 39,653 21.85 58.89
43 Citizens State Bank of La Crosse Wis. commercial 3.14 3.07 155,712 36.27 45.38
  Peoples Bank Rose Hill, Va. commercial 3.14 0.81 97,181 33.29 112.79
45 Noah Bank Elkins Park, Pa. commercial 3.13 1.72 292,913 29.93 49.38
46 First Bank & Trust Co. Wagoner, Okla. commercial 3.12 2.56 265,479 29.38 42.27
47 Republic Bank Bountiful, Utah commercial 3.11 4.31 357,274 23.45 20.32
48 Peoples Community Bank Greenville, Mo. commercial 3.10 3.48 311,713 19.13 40.56
  Riverside Bank Sparkman, Ark. commercial 3.10 3.49 59,067 34.09 46.14
  Wallis State Bank Texas commercial 3.10 2.48 401,341 31.03 55.26
51 Heartland Bank Bryant, Ark. commercial 3.08 2.68 216,462 19.62 49.93
  Choice Financial Group Grafton, N.D. commercial 3.08 2.33 840,348 35.13 46.17
53 Flatirons Bank Boulder, Colo. commercial 3.07 0.81 123,951 30.41 62.77
54 First Community Bank Columbus, Ohio commercial 3.05 0.89 98,240 26.12 95.48
  Charter Bank Eau Claire Wis. commercial 3.05 3.04 579,899 22.07 29.71
  Marlin Business Bank Salt Lake City commercial 3.05 2.82 672,162 19.57 46.09
57 Citizens State Bank Miles, Texas commercial 3.02 2.46 97,211 31.36 44.02
  First Missouri State Bank Poplar Bluff commercial 3.02 1.79 154,044 27.46 38.75
59 Farmers and Merchants Bank of Kendall Wis. commercial 3.01 7.02 72,418 23.08 46.88
60 5Star Bank Colorado Springs, Colo. commercial 2.96 0.52 170,287 13.57 70.22
61 FirsTier Bank Kimball, Neb. commercial 2.93 1.11 235,041 23.79 52.06
62 Builders Bank Chicago commercial 2.92 -0.01 218,891 36.80 70.74
63 First National Community Bank Dunmore, Pa. commercial 2.91 0.59 957,504 30.81 77.45
64 Yellowstone Bank Laurel, Mont. commercial 2.89 2.80 508,048 15.25 41.08
65 American Bank and Trust Co. Davenport, Iowa commercial 2.87 -0.06 363,695 29.18 80.42
  Cornerstone Bank Eureka Springs, Ark. commercial 2.87 1.59 161,495 27.21 52.68
  Peoples State Bank Summit, S.D. commercial 2.87 2.66 60,333 26.58 36.49
68 Nebraska State Bank Oshkosh commercial 2.85 2.93 49,212 27.39 39.90
69 United Community Bank of North Dakota Leeds commercial 2.83 3.28 297,270 31.23 39.26
70 Points West Community Bank Julesburg, Colo. commercial 2.82 2.38 211,067 28.57 40.29
71 Gunnison Valley Bank Utah commercial 2.81 0.11 76,929 25.10 39.97
72 Liberty Bank Beachwood, Ohio commercial 2.79 0.68 207,122 22.50 53.50
73 Home State Bank Litchfield, Minn. commercial 2.78 1.77 138,106 24.38 68.39
74 Commercial State Bank of Wagner S.D. commercial 2.76 2.84 137,297 23.81 38.59
  St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.76 2.49 459,673 25.85 45.53
76 Corydon State Bank Iowa commercial 2.74 3.86 95,695 15.92 21.10
77 First National Bank Fort Pierre, S.D. commercial 2.73 2.45 752,669 11.76 39.92
78 Farmers Bank and Trust Co. Marion, Ky. commercial 2.71 1.90 134,101 20.22 80.51
  Northpointe Bank Grand Rapids, Mich. commercial 2.71 -1.64 348,305 32.35 61.38
80 Great American Bank De Soto, Kan. commercial 2.70 1.64 78,266 17.35 58.15
81 Premier Bank Rochester Minn. commercial 2.69 2.13 151,575 28.18 52.76
82 Town and Country Bank Midwest Quincy, Ill. commercial 2.68 2.79 155,816 22.92 46.63
  Morris State Bank Okla. commercial 2.68 2.29 69,712 33.41 50.72
84 Premier Bank Rock Valley, Iowa commercial 2.67 2.92 288,700 23.22 33.99
85 Home Bank of California San Diego commercial 2.66 2.20 107,476 13.37 48.19
  University Bank Ann Arbor, Mich. commercial 2.66 4.83 127,773 28.62 85.65
87 Coffee County Bank Manchester, Tenn. commercial 2.64 2.17 126,390 21.04 46.82
  First State Bank of Healy Kan. commercial 2.64 2.54 87,168 15.82 29.83
89 Douglas National Bank Ga. commercial 2.63 3.09 154,526 20.24 52.33
  First National Bank Fabens, Texas commercial 2.63 2.82 324,903 25.07 53.13
91 Mid America Bank & Trust Co. Dixon, Mo. commercial 2.62 1.69 145,588 19.42 40.00
92 Missouri Bank II Sedalia commercial 2.61 1.72 81,380 24.34 48.83
  Premier Bank Minnesota Hastings commercial 2.61 2.41 177,544 28.39 55.75
  Venture Bank Bloomington, Minn. commercial 2.61 2.22 465,070 31.03 46.50
  Waggoner National Bank of Vernon Texas commercial 2.61 2.62 278,800 20.73 44.78
96 Bank of Hydro Okla. commercial 2.60 2.76 136,419 32.28 39.67
  Prime Bank Edmond, Okla. commercial 2.60 2.71 208,623 27.41 43.56
  Solon State Bank Iowa commercial 2.60 1.97 90,553 11.85 41.10
  State Bank & Trust of Kenmare N.D. commercial 2.60 1.62 116,715 29.51 50.28
  First Financial Bank El Dorado, Ark. commercial 2.60 3.32 879,795 24.54 56.31
101 Farmers Exchange Bank Cherokee, Okla. commercial 2.59 2.23 233,803 28.70 41.65
  Security State Bank Sutherland, Iowa commercial 2.59 2.57 99,895 29.38 35.55
103 First National Bank of Las Animas Colo. commercial 2.58 1.87 318,847 24.37 47.01
  American City Bank Tullahoma, Tenn. commercial 2.58 1.94 260,640 15.04 42.23
  Salin Bank and Trust Co. Indianapolis commercial 2.58 1.51 769,986 21.91 55.78
106 Bank of Glen Ullin N.D. commercial 2.57 4.27 52,057 23.83 40.79
  Heritage State Bank Lawrenceville, Ill. commercial 2.57 2.48 75,321 24.51 50.58
  Home State Bank Louisville, Neb. commercial 2.57 1.49 82,615 20.98 66.15
  MBank Gresham, Ore. commercial 2.57 0.89 162,700 32.30 58.06
110 Bank of Hemet Riverside, Calif. commercial 2.56 2.61 481,859 21.38 47.09
  One Bank & Trust Little Rock, Ark. commercial 2.56 -0.68 374,964 62.81 64.97
  Welcome State Bank Minn. commercial 2.56 1.86 25,610 25.55 48.35
113 AJ Smith Federal Savings Bank Midlothian, Ill. savings 2.55 0.48 221,791 18.97 91.13
114 TruBank Oskaloosa, Iowa commercial 2.54 0.94 106,436 21.46 72.67
  Fidelity Bank Edina, Minn. commercial 2.54 2.03 460,189 13.78 52.69
116 BankSouth Greensboro, Ga. savings 2.53 3.49 370,051 24.05 82.58
117 Millennium Bank Des Plaines, Ill. commercial 2.52 0.19 52,589 25.63 59.43
118 Plains Commerce Bank Hoven, S.D. commercial 2.51 2.19 521,806 18.22 55.36
  Bay Bank FSB Lutherville, Md. savings 2.51 3.83 487,561 18.71 57.75
120 Heartland State Bank Redfield, S.D. commercial 2.50 3.27 73,520 22.28 52.49
121 TexasBank Brownwood commercial 2.49 3.15 375,072 20.41 55.23
  Bank of Camden Tenn. commercial 2.49 3.63 334,896 16.96 40.11
123 AmeriState Bank Atoka, Okla. commercial 2.48 1.57 207,211 27.49 55.82
124 Abbeville First Bank S.C. savings 2.47 0.18 68,193 24.03 69.24
  Bank of Advance Mo. commercial 2.47 2.38 301,318 16.41 49.33
  Community Pride Bank Isanti, Minn. commercial 2.47 1.46 92,154 24.41 65.60
  Grant County State Bank Carson, N.D. commercial 2.47 2.36 33,339 22.89 46.17
128 Freedom Bank Huntingburg, Ind. commercial 2.46 2.42 357,788 25.64 39.48
  Security Bank Tulsa, Okla. commercial 2.46 2.58 480,506 22.68 32.88
  Union Bank & Trust Co. Livingston, Tenn. commercial 2.46 2.15 81,051 21.38 51.37
131 Crestmark Bank Troy, Mich. commercial 2.45 3.00 521,474 19.50 56.07
  Ozark Heritage Bank Mountain View, Ark. commercial 2.45 0.97 79,786 19.42 50.62
133 Bank of Cashton Wis. commercial 2.44 1.28 79,115 25.64 40.87
  First Federal Savings and Loan Bank Olathe, Kan. commercial 2.44 2.44 66,550 19.40 38.69
135 Exchange Bank and Trust Co. Perry, Okla. commercial 2.43 2.09 268,036 27.50 49.37
136 Guaranty Bank & Trust Co. of Delhi La. commercial 2.42 2.29 176,068 28.72 49.12
  PNA Bank Chicago savings 2.42 -0.26 102,372 50.55 101.91
138 Oak Creek Valley Bank Valparaiso, Neb. commercial 2.41 2.38 72,707 20.19 41.79
139 Vermillion State Bank Minn. commercial 2.40 1.95 533,058 18.77 29.99
140 Bank 7 Oklahoma City commercial 2.39 3.24 444,245 26.02 49.04
  Bank of the West Thomas, Okla. commercial 2.39 2.41 142,354 21.63 51.94
  Coastal Commerce Bank Houma, La. commercial 2.39 2.11 397,480 27.20 50.39
  WoodTrust Bank Wisconsin Rapids, Wis. commercial 2.39 1.76 364,875 24.40 54.35
144 Cowboy Bank of Texas Maypearl commercial 2.37 2.79 57,376 24.33 57.87
145 ACB Bank Cherokee, Okla. commercial 2.36 2.92 87,162 27.41 50.27
  First Enterprise Bank Oklahoma City commercial 2.36 1.54 149,816 20.42 61.86
  Lamar Bank and Trust Co. Mo. commercial 2.36 2.10 135,963 25.53 47.10
148 Bank of Morton Miss. commercial 2.35 3.37 65,539 18.69 55.16
  Progressive Ozark Bank Salem, Mo. commercial 2.35 2.26 121,771 23.46 62.06
  Tejas Bank Monahans, Texas commercial 2.35 1.85 135,276 21.18 49.14
  Crescent Bank & Trust New Orleans commercial 2.35 2.84 919,737 20.60 54.61
152 First National Bank of Hughes Springs Texas commercial 2.34 2.49 237,987 17.05 48.12
  First State Bank of Warner S.D. commercial 2.34 1.41 58,517 26.22 53.34
  First Bank of Berne Ind. commercial 2.34 2.47 537,665 24.24 47.64
155 Texas Bank Financial Weatherford commercial 2.33 0.82 116,577 27.25 74.03
  Security Bank Midland, Texas commercial 2.33 2.31 820,327 20.79 55.57
157 Bank of Buffalo Ky. commercial 2.32 2.38 71,634 20.00 36.28
  Bank of DeSoto Texas commercial 2.32 2.29 184,875 22.87 58.80
  Farmers & Merchants State Bank of Cawker City Kan. commercial 2.32 1.56 16,694 25.71 44.07
  Prime Alliance Bank Woods Cross, Utah commercial 2.32 2.30 149,323 16.60 53.59
161 Farmers Savings Bank Wever, Iowa commercial 2.31 2.07 114,532 22.47 44.87
  Wells Bank of Platte City Mo. commercial 2.31 2.95 109,927 25.02 47.20
  Nodaway Valley Bank Maryville, Mo. commercial 2.31 2.13 813,584 20.43 49.06
164 Bank of St. Elizabeth Mo. commercial 2.30 2.44 108,208 19.64 51.35
165 Sound Banking Co. Tacoma, Wash. commercial 2.29 1.72 47,671 22.14 56.63
  Spring Valley Bank Wyoming, Ohio commercial 2.29 2.57 67,741 5.86 54.55
  Citizens National Bank of Texas Waxahachie commercial 2.29 1.56 628,420 19.55 58.21
  Quail Creek Bank Oklahoma City commercial 2.29 2.30 554,238 24.17 46.69
169 Caldwell Bank & Trust Co. Columbia, La. commercial 2.28 1.41 144,817 24.38 63.82
  First Community Bank Santa Rosa, Calif. commercial 2.28 2.69 843,345 21.05 51.28
171 Bank Northwest Hamilton, Mo. commercial 2.27 1.84 103,365 26.87 51.02
  Farmers and Merchants State Bank Plankinton, S.D. commercial 2.27 3.76 93,349 22.71 44.08
  HNB National Bank Hannibal, Mo. commercial 2.27 2.25 398,512 19.34 49.43
  Homeland Federal Savings Bank Columbia, La. savings 2.27 2.26 161,039 20.86 57.29
175 Bank of Geneva Ind. commercial 2.26 2.06 212,902 21.77 49.53
  Dakota Western Bank Bowman, N.D. commercial 2.26 2.27 242,244 22.13 44.05
  First National Bank & Trust of Elk City Okla. commercial 2.26 1.97 326,866 20.98 42.61
  First National Bank of Picayune Miss. commercial 2.26 2.29 200,332 17.61 54.30
  Lowry State Bank Minn. commercial 2.26 1.64 42,760 23.16 55.40
  Patapsco Bank Dundalk, Md. commercial 2.26 -0.65 230,545 25.11 83.14
  Roundbank Waseca, Minn. commercial 2.26 1.44 283,397 20.35 58.65
182 Brunswick State Bank Neb. commercial 2.25 2.04 92,342 23.15 46.89
  Commercial State Bank Palmer, Texas commercial 2.25 1.39 70,750 27.61 59.97
  Crockett National Bank San Angelo, Texas commercial 2.25 2.67 508,040 24.10 75.30
  Peoples Bank Mendenhall, Miss. commercial 2.25 2.49 242,745 23.25 54.53
  NewFirst National Bank El Campo, Texas commercial 2.25 2.21 556,288 22.38 57.16
187 Georgia Heritage Bank Dallas commercial 2.24 0.98 68,724 51.14 57.81
  Morris Bank Dublin, Ga. commercial 2.24 1.84 469,667 21.19 49.16
189 Bank of Commerce Duncan, Okla. commercial 2.23 1.63 184,442 20.72 51.22
  Falcon National Bank Foley, Minn. commercial 2.23 1.94 158,022 24.22 55.28
  State Bank of New Richland Minn. commercial 2.23 2.28 93,630 22.16 39.36
  Farmers Bank and Trust Co. Blytheville, Ark. commercial 2.23 1.90 409,130 23.88 54.58
193 American Interstate Bank Elkhorn, Neb. commercial 2.22 1.69 106,543 20.07 43.60
  Coleman County State Bank Texas commercial 2.22 2.13 100,060 23.97 56.06
  Commercial Capital Bank Delhi, La. commercial 2.22 2.87 72,895 17.46 57.36
  High Plains Bank Keyes, Okla. commercial 2.22 1.96 70,467 18.83 50.64
  Hodge Bank & Trust Co. La. commercial 2.22 2.04 67,091 15.66 50.19
  North Valley Bank Thornton, Colo. commercial 2.22 1.63 141,072 21.46 62.04
  Security Bank and Trust Co. Paris, Tenn. commercial 2.22 2.22 177,596 23.07 40.46
200 Cross County Bank Wynne, Ark. commercial 2.21 1.03 203,529 17.93 43.82
  Cumberland Security Bank Inc. Somerset, Ky. commercial 2.21 2.42 166,355 16.16 57.55

Note: Independent banks and thrifts operating as of Aug. 25, 2014, 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.
© 2014 American Banker

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