Community Banks with the Highest Returns on Average Assets

May 22, 2015, 3:53 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average AssetsYear to date through Dec. 31, 2014. Dollars in thousands Published May 22, 2015
Rank	Company	Type of institution	Return on avg. assets		Total assets	Return on avg. equity	Efficiency ratio
Rank	Company	Type of institution	4Q 2014	4Q 2013	Total assets	Return on avg. equity	Efficiency ratio
1	State Bank of Texas Dallas	commercial	11.52%	3.46%	$834,941	57.11%	13.07
2	Florida Bank Tampa	commercial	7.69	-0.91	565,102	68.56	92.08
3	Continental Bank Salt Lake City	commercial	6.74	6.95	172,660	37.54	33.19
4	AB&T National Bank Albany, Ga.	commercial	5.86	0.43	145,194	60.18	86.84
5	OptimumBank Plantation, Fla.	commercial	5.60	-5.01	129,227	89.58	64.40
6	First Credit Bank Los Angeles	commercial	5.47	7.21	384,264	13.34	14.19
7	Foundations Bank Pewaukee, Wis.	commercial	5.13	1.09	125,387	31.80	73.67
8	Haverford Trust Co. Radnor, Pa.	commercial	4.65	2.79	104,546	26.61	83.34
9	Peoples Bank & Trust Co. Ryan, Okla.	commercial	4.36	1.34	31,771	33.97	88.02
10	Uniti Bank Buena Park, Calif.	commercial	4.25	0.66	189,906	29.99	82.93
11	Legacy Bank of Florida Boca Raton	commercial	4.05	0.32	271,487	45.70	86.55
12	Live Oak Banking Co. Wilmington, N.C.	commercial	4.03	4.81	634,053	38.46	59.14
13	Peoples State Bank Cherryvale, Kan.	commercial	3.84	4.65	16,534	13.51	45.69
14	PrinsBank Prinsburg, Minn.	commercial	3.77	3.58	126,227	34.19	44.66
15	Hanover Community Bank Garden City Park, N.Y.	commercial	3.69	-2.07	169,021	30.97	76.26
16	Floridian Bank Daytona Beach	commercial	3.66	0.54	399,977	33.37	82.50
17	Orange County Business Bank Irvine, Calif.	commercial	3.62	0.57	206,012	18.12	93.19
18	Newton Federal Bank Covington, Ga.	savings	3.60	0.62	224,712	21.07	69.51
19	Sandhills Bank North Myrtle Beach, S.C.	commercial	3.58	0.77	102,263	34.92	79.20
20	Heartland Bank Little Rock, Ark.	commercial	3.40	3.23	234,403	23.12	47.54
21	Charter Bank Corpus Christi, Texas	commercial	3.38	3.29	252,672	42.49	46.82
22	Treasure State Bank Missoula, Mont.	commercial	3.36	0.85	71,577	30.01	85.41
23	NOA Bank Duluth, Ga.	commercial	3.29	3.26	196,608	26.25	48.54
24	First Western Federal Savings Bank Rapid City, S.D.	savings	3.25	2.74	42,206	19.12	47.53
25	Mid America Bank & Trust Co. Dixon, Mo.	commercial	3.24	2.26	145,156	23.26	37.59
26	Mountain Pacific Bank Everett, Wash.	commercial	3.14	0.28	155,486	25.70	86.59
	Republic Bank Bountiful, Utah	commercial	3.14	4.00	277,804	23.68	21.84
28	Peoples Community Bank Greenville, Mo.	commercial	3.11	3.20	320,553	19.96	41.30
29	RidgeStone Bank Brookfield, Wis.	commercial	3.10	1.86	394,511	23.80	50.56
	Marlin Business Bank Salt Lake City	commercial	3.10	2.92	704,059	19.32	44.85
31	NewBank Flushing, N.Y.	commercial	3.07	2.92	201,342	23.22	42.16
32	Patriot National Bank Stamford, Conn.	commercial	3.02	-1.22	633,095	29.51	91.09
	Great Plains National Bank Elk City, Okla.	commercial	3.02	2.45	636,758	36.92	64.90
34	EvaBank Cullman, Ala.	commercial	2.99	2.40	330,728	21.99	40.00
35	MBank Gresham, Ore.	commercial	2.98	1.16	162,700	33.80	72.05
36	First Bank of Chandler Okla.	commercial	2.97	2.71	85,208	28.86	39.75
	Nebraska State Bank Oshkosh	commercial	2.97	2.49	47,893	27.02	46.78
38	Noah Bank Elkins Park, Pa.	commercial	2.96	0.42	298,249	32.05	52.25
39	Oxford Bank Mich.	commercial	2.93	0.54	262,133	44.91	84.39
40	Corydon State Bank Iowa	commercial	2.92	3.21	96,848	16.76	20.76
	Farmers and Merchants Bank of Kendall Wis.	commercial	2.92	3.85	73,541	22.51	47.36
42	First Bank & Trust Co. Wagoner, Okla.	commercial	2.89	2.20	274,115	26.74	50.27
	Riverside Bank Sparkman, Ark.	commercial	2.89	2.95	57,924	31.31	49.04
44	Village Bank St. Francis, Minn.	commercial	2.87	2.78	186,290	35.99	69.18
45	Peoples State Bank Summit, S.D.	commercial	2.86	2.67	60,045	25.66	37.23
46	Citizens State Bank Miles, Texas	commercial	2.82	2.35	98,335	29.14	46.46
	Charter Bank Eau Claire Eau Claire, Wis.	commercial	2.82	2.83	590,257	20.36	34.13
48	First National Bank Fabens, Texas	commercial	2.78	2.71	327,660	26.45	50.26
	Freedom Bank of America St. Petersburg, Fla.	commercial	2.78	0.27	118,936	23.59	86.98
50	Prime Alliance Bank Woods Cross, Utah	commercial	2.77	2.29	164,305	19.94	45.36
51	Citizens State Bank of La Crosse Wis.	commercial	2.74	3.08	163,414	31.52	48.87
	Premier Bank Rock Valley, Iowa	commercial	2.74	2.81	305,490	23.58	33.49
53	United Community Bank of North Dakota Leeds	commercial	2.72	2.55	307,484	29.80	41.24
54	Choice Financial Group Fargo, N.D.	commercial	2.68	2.81	915,590	26.99	49.35
55	Pan Pacific Bank Fremont, Calif.	commercial	2.66	0.24	120,096	18.43	95.89
	Prime Bank Edmond, Okla.	commercial	2.66	2.87	209,991	27.77	41.81
57	Bank of Versailles Mo.	commercial	2.65	0.16	225,945	25.43	83.67
	Security Bank Tulsa, Okla.	commercial	2.65	2.53	479,071	24.48	32.34
59	Carolina Trust Bank Lincolnton, N.C.	commercial	2.63	-0.54	293,307	29.18	79.81
60	First National Bank Fort Pierre, S.D.	commercial	2.62	2.37	793,515	11.18	39.99
61	First Financial Bank El Dorado, Ark.	commercial	2.59	2.84	915,717	24.44	55.59
62	Security State Bank Sutherland, Iowa	commercial	2.58	2.64	110,800	29.35	35.66
63	CornerStone Bank Lexington, Va.	commercial	2.57	0.74	112,849	23.24	50.53
64	Today's Bank Huntsville, Ark.	commercial	2.56	1.15	105,154	18.41	60.58
65	Douglas National Bank Ga.	commercial	2.55	2.48	173,170	20.08	52.15
	Home Bank of California San Diego	commercial	2.55	2.17	121,520	12.98	48.24
	Northpointe Bank Grand Rapids, Mich.	commercial	2.55	0.61	421,350	30.30	63.22
	Anchor Bank Aberdeen, Wash.	savings	2.55	-0.15	377,781	18.57	91.39
69	Bank of Hemet Riverside, Calif.	commercial	2.54	2.67	489,353	21.37	48.33
	Coffee County Bank Manchester, Tenn.	commercial	2.54	2.20	132,525	20.11	47.77
71	Cowboy Bank of Texas Maypearl	commercial	2.53	2.47	60,309	25.30	55.48
72	Farmers Exchange Bank Cherokee, Okla.	commercial	2.52	2.22	264,054	27.90	39.37
	First State Bank Scottsbluff, Neb.	commercial	2.52	2.63	252,584	27.27	46.70
	Waggoner National Bank of Vernon Texas	commercial	2.52	2.65	272,990	19.33	46.38
	Morris State Bank Okla.	commercial	2.52	2.54	72,533	30.89	53.71
76	Yellowstone Bank Laurel, Mont.	commercial	2.51	2.73	669,841	14.42	45.20
77	Clatsop Community Bank Seaside, Ore.	commercial	2.50	0.56	71,244	23.16	79.52
78	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	2.49	2.53	525,828	24.20	49.38
79	Bank of Hydro Okla.	commercial	2.48	2.61	137,289	30.99	42.15
	Bank of Morton Miss.	commercial	2.48	2.57	63,178	19.17	54.48
	Commercial State Bank of Wagner S.D.	commercial	2.48	2.37	146,986	21.92	40.03
	First State Bank of Healy Kan.	commercial	2.48	1.42	90,831	14.40	33.77
	Neighborhood National Bank Alexandria, Minn.	commercial	2.48	0.69	51,104	23.99	55.67
	TexasBank Brownwood	commercial	2.48	3.07	377,266	20.35	52.70
85	Bank of the West Thomas, Okla.	commercial	2.47	2.48	137,152	22.11	51.81
	Citizens Bank of Logan Ohio	commercial	2.47	0.58	199,725	35.74	80.65
	Commercial Capital Bank Delhi, La.	commercial	2.47	1.93	71,742	20.10	56.04
	Town and Country Bank Midwest Quincy, Ill.	commercial	2.47	2.25	160,220	20.97	48.13
	West Town Bank & Trust North Riverside, Ill.	commercial	2.47	1.78	183,453	22.76	73.80
90	Bank of Buffalo Ky.	commercial	2.45	2.74	72,922	21.52	36.74
91	Bank of Advance Mo.	commercial	2.44	2.30	310,209	16.25	47.43
92	Solon State Bank Iowa	commercial	2.43	2.02	89,517	10.86	41.80
93	Bank 7 Oklahoma City	commercial	2.42	3.12	478,704	26.22	49.09
94	First Federal Savings and Loan Bank Olathe, Kan.	commercial	2.41	2.34	65,857	19.12	42.89
95	Freedom Bank Huntingburg, Ind.	commercial	2.40	2.42	350,325	24.69	40.17
	Plains Commerce Bank Hoven, S.D.	commercial	2.40	2.35	573,850	17.76	58.68
97	Brunswick State Bank Neb.	commercial	2.39	2.10	97,993	24.31	45.09
98	First National Bank of Picayune Miss.	commercial	2.38	2.42	200,064	18.33	54.65
	Murphy Bank Fresno, Calif.	commercial	2.38	2.73	189,195	18.56	47.25
100	Ultima Bank Minnesota Winger	commercial	2.37	2.26	158,497	26.13	52.07
	Vermillion State Bank Minn.	commercial	2.37	2.20	551,763	18.32	30.08
102	First National Bank of Las Animas Colo.	commercial	2.36	1.92	317,066	22.20	47.00
103	Hodge Bank & Trust Co. La.	commercial	2.35	2.27	66,717	16.34	48.78
104	Federal Savings Bank Chicago	savings	2.34	1.25	216,602	15.60	91.88
	Oak Creek Valley Bank Valparaiso, Neb.	commercial	2.34	2.26	71,657	18.95	40.25
	Peoples Bank Westville, Okla.	commercial	2.34	1.50	50,502	20.17	60.71
	Wells Bank of Platte City Mo.	commercial	2.34	2.90	122,421	26.00	47.93
	Points West Community Bank Julesburg, Colo.	commercial	2.34	2.37	215,371	23.85	44.73
109	Frontenac Bank Earth City, Mo.	commercial	2.31	0.24	271,175	24.42	94.11
	Missouri Bank II Sedalia, Mo.	commercial	2.31	1.68	85,031	21.21	50.51
111	Riverview Community Bank Vancouver, Wash.	savings	2.29	0.60	822,937	15.59	87.46
112	1st Bank & Trust Broken Bow, Okla.	commercial	2.26	2.35	128,302	19.94	50.62
	Cumberland Security Bank, Inc. Somerset, Ky.	commercial	2.26	2.03	164,068	16.64	56.34
	Peoples State Bank McDonald, Kan.	commercial	2.26	2.02	135,206	24.95	49.99
	Wallis State Bank Texas	commercial	2.26	2.00	396,264	22.06	63.35
116	Lowry State Bank Minn.	commercial	2.25	1.84	42,503	22.74	53.69
	Spring Bank Bronx, N.Y.	commercial	2.25	2.30	117,234	17.87	62.71
	Union Bank & Trust Co. Livingston, Tenn.	commercial	2.25	2.10	81,520	19.05	49.76
119	Farmers Bank and Trust Co. Marion, Ky.	commercial	2.24	1.92	138,670	16.73	61.71
	Venture Bank Bloomington, Minn.	commercial	2.24	2.14	493,643	27.56	53.50
	Metro City Bank Doraville, Ga.	commercial	2.24	2.12	582,909	18.59	42.54
122	Farmers and Merchants State Bank Plankinton, S.D.	commercial	2.23	2.73	101,050	22.89	43.36
	Georgia Heritage Bank Dallas	commercial	2.23	0.77	70,546	46.66	68.68
	HNB National Bank Hannibal, Mo.	commercial	2.23	2.22	399,039	18.87	51.04
	St. Henry Bank Ohio	commercial	2.23	2.23	267,665	14.92	34.04
126	First Missouri State Bank Poplar Bluff	commercial	2.22	1.18	154,363	20.46	46.97
	Guaranty Bank & Trust Co. of Delhi La.	commercial	2.22	2.07	177,831	26.55	53.59
	Peoples Bank Mendenhall, Miss.	commercial	2.22	2.47	243,010	22.86	56.07
129	Great Plains Bank Eureka, S.D.	commercial	2.21	2.13	102,301	21.21	45.89
	Heartland State Bank Redfield, S.D.	commercial	2.21	2.71	70,935	19.45	55.08
	Liberty Savings Bank FSB St. Cloud, Minn.	savings	2.21	2.33	189,743	20.38	60.34
	Morris Bank Dublin, Ga.	commercial	2.21	1.89	503,858	20.96	48.39
	Victory Community Bank Fort Mitchell, Ky.	savings	2.21	3.21	162,765	17.34	49.97
134	Central Bank and Trust Co. Hutchinson, Kan.	commercial	2.20	1.44	258,995	26.49	54.99
	Security First Bank of North Dakota Center	commercial	2.20	1.90	179,610	20.26	56.03
	State Bank of Wheaton Minn.	commercial	2.20	1.41	75,723	10.93	47.47
	Texas Heritage National Bank Daingerfield	commercial	2.20	1.58	118,946	20.52	56.13
	First Bank of Berne Ind.	commercial	2.20	2.26	549,138	22.66	48.84
139	Bloomsdale Bank Mo.	commercial	2.19	2.27	200,594	22.12	49.45
	Grant County State Bank Carson, N.D.	commercial	2.19	2.16	33,856	20.63	53.99
	Farmers Bank and Trust Co. Blytheville, Ark.	commercial	2.19	1.26	413,371	23.54	53.67
142	Bank of Commerce Duncan, Okla.	commercial	2.18	1.76	193,090	20.24	54.84
	Exchange Bank Gibbon, Neb.	commercial	2.18	2.11	673,073	21.57	42.60
	Exchange Bank and Trust Co. Perry, Okla.	commercial	2.18	1.95	288,045	24.62	50.45
	First State Bank Abernathy, Texas	commercial	2.18	1.35	30,073	18.96	63.36
	Goodfield State Bank Ill.	commercial	2.18	2.96	99,884	18.28	55.04
	Kearny County Bank Lakin, Kan.	commercial	2.18	1.69	190,954	13.73	46.39
148	First Security Bank - Canby Minn.	commercial	2.17	1.97	65,073	13.68	45.26
	Pony Express Bank Liberty, Mo.	commercial	2.17	2.45	143,273	15.81	55.00
	Texas Bank Financial Weatherford	commercial	2.17	1.68	122,304	24.85	75.10
151	Midwest Bank Detroit Lakes, Minn.	commercial	2.16	2.65	342,461	22.27	49.26
	Union Bank of Mena Ark.	commercial	2.16	2.20	203,997	20.33	59.20
	Nodaway Valley Bank Maryville, Mo.	commercial	2.16	2.11	826,713	18.67	52.16
154	Community Bank Longview, Texas	commercial	2.15	2.30	214,467	25.12	46.76
	Community Savings Bank Bethel, Ohio	savings	2.15	0.63	75,286	14.15	63.33
	First Bank & Trust Co. Duncan, Okla.	commercial	2.15	1.94	615,675	17.71	54.30
	Progressive Ozark Bank Salem, Mo.	commercial	2.15	2.30	116,327	21.05	64.31
	State Bank of New Richland Minn.	commercial	2.15	2.13	101,021	21.90	41.68
	Taylor County Bank Campbellsville, Ky.	commercial	2.15	2.44	165,474	18.74	51.95
160	Bank Northwest Hamilton, Mo.	commercial	2.14	2.03	112,867	24.74	51.17
	Bank of Deerfield Wis.	commercial	2.14	2.10	127,283	16.13	54.33
	Coleman County State Bank Texas	commercial	2.14	2.18	105,201	22.89	58.35
	First Bank Upper Michigan Gladstone	commercial	2.14	2.28	165,121	10.81	55.20
	Tejas Bank Monahans, Texas	commercial	2.14	1.83	148,233	19.64	51.46
165	Bank of Geneva Ind.	commercial	2.13	1.72	214,093	20.19	52.08
	City Savings Bank & Trust Co. DeRidder, La.	commercial	2.13	2.18	314,107	19.50	56.80
	Crestmark Bank Troy, Mich.	commercial	2.13	3.32	693,284	17.02	65.14
	First National Bank Arcadia, La.	commercial	2.13	2.01	207,269	25.01	61.85
	Verus Bank of Commerce Fort Collins, Colo.	commercial	2.13	2.12	266,662	14.37	32.99
170	Citizens Bank of Las Cruces N.M.	commercial	2.12	1.99	450,081	22.42	52.75
	Commercial Bank of Mott N.D.	commercial	2.12	2.18	98,501	18.82	45.90
	First State Bank of Porter Okla.	commercial	2.12	2.77	35,179	14.55	68.76
	Triumph Community Bank Moline, Ill.	commercial	2.12	1.63	978,251	16.86	42.31
	United Farmers State Bank Adams, Minn.	commercial	2.12	2.18	150,892	19.33	47.18
	Community Shores Bank Muskegon, Mich.	commercial	2.12	0.34	184,122	39.99	92.12
	First Community Bank Santa Rosa, Calif.	commercial	2.12	2.20	914,859	19.94	48.18
177	Bank of Glen Ullin N.D.	commercial	2.11	2.63	52,090	20.06	48.44
	Bank of Montana Missoula	commercial	2.11	1.80	52,749	17.20	59.48
	BankSouth Greensboro, Ga.	savings	2.11	2.07	380,330	19.73	82.72
	Farmers & Merchants State Bank of Cawker City Kan.	commercial	2.11	1.53	18,062	23.71	44.60
	Flatirons Bank Boulder, Colo.	commercial	2.11	0.87	125,966	20.40	66.58
	Homeland Federal Savings Bank Columbia, La.	savings	2.11	2.04	162,741	19.05	60.45
	Lamar Bank and Trust Co. Mo.	commercial	2.11	2.09	135,190	22.82	50.25
	Heritage State Bank Lawrenceville, Ill.	commercial	2.11	2.20	78,110	20.02	60.33
	Security Bank Midland, Texas	commercial	2.11	2.10	940,966	19.69	58.17
186	Dakota Western Bank Bowman, N.D.	commercial	2.10	2.08	258,376	20.49	45.27
	Millennium Bank Des Plaines, Ill.	commercial	2.10	-0.11	62,092	21.85	57.36
	Peoples Bank Rock Valley, Iowa	commercial	2.10	1.94	465,330	18.74	48.64
	State Bank of De Kalb Texas	commercial	2.10	1.52	159,782	16.84	55.60
	BankWest, Inc. Pierre, S.D.	commercial	2.10	1.61	889,163	21.82	59.15
191	Bank of DeSoto Texas	commercial	2.09	2.24	186,082	20.64	58.68
	Alliance Bank St. Paul, Minn.	commercial	2.09	0.94	550,884	16.71	67.40
193	Bank of Tescott Kan.	commercial	2.08	1.99	324,870	17.42	44.43
	First Enterprise Bank Oklahoma City	commercial	2.08	1.42	155,255	17.97	64.69
	Sicily Island State Bank La.	commercial	2.08	1.72	47,359	15.69	66.99
196	Commercial Bank Crawford, Ga.	commercial	2.07	1.03	118,150	19.25	55.73
	Cornerstone Bank Eureka Springs, Ark.	commercial	2.07	1.59	167,066	19.53	58.22
	Crockett National Bank San Angelo, Texas	commercial	2.07	2.65	489,637	21.50	76.98
	First Community Bank Corpus Christi, Texas	commercial	2.07	2.02	371,408	23.39	67.96
	Five Star Bank Rocklin, Calif.	commercial	2.07	2.10	603,753	23.99	43.63
	Goodfield State Bank Ill.	commercial	2.24	2.71	97,925	19.18	56.11

Note: Independent banks and thrifts operating as of Feb. 20, 2015, 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