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 March 31, 2015. Dollars in thousands
Published July 20, 2015

Rank Company Type of
institution
Return on
avg. assets
Total
assets
Return on
avg. equity
Efficiency
ratio
1Q 2015 1Q 2014
1 Farmers & Merchants Bank Statesboro, Ga. commercial 17.85% 0.09% $169,570 207.29% 94.12
2 Peoples Bank & Trust Co. Ryan, Okla. commercial 16.09 2.12 29,430 102.76 81.77
3 First State Bank of Swanville Minn. commercial 9.04 1.25 27,869 69.03 74.46
4 Federal Savings Bank Chicago savings 7.05 -1.42 308,359 49.45 77.35
5 Haverford Trust Co. Radnor, Pa. commercial 6.37 7.88 105,078 38.61 78.62
6 Northpointe Bank Grand Rapids, Mich. commercial 6.20 1.42 455,153 73.69 38.84
7 First Credit Bank Los Angeles commercial 6.09 6.28 385,794 13.88 5.82
8 BANK VI Salina, Kan. commercial 5.77 0.62 69,290 56.78 72.83
9 First National Bank Waupaca, Wis. commercial 4.98 1.96 633,163 42.55 35.88
10 State Bank of Texas Dallas commercial 4.90 5.39 774,339 28.05 21.05
11 Resolute Bank Maumee, Ohio savings 4.84 -1.90 38,068 52.36 72.46
12 BankSouth Greensboro, Ga. savings 4.68 1.17 400,401 40.06 70.79
13 State Bank of Wheaton Minn. commercial 4.63 1.56 75,262 22.03 40.75
14 Continental Bank Salt Lake City commercial 4.54 5.45 167,737 27.69 37.17
15 BankCherokee St. Paul, Minn. commercial 4.53 0.78 266,663 67.29 73.87
16 Nebraska State Bank Oshkosh commercial 4.14 3.11 50,250 35.93 28.80
17 PrinsBank Prinsburg, Minn. commercial 4.00 8.08 123,008 34.91 44.99
18 Security Bank Rich Hill, Mo. commercial 3.97 -1.05 46,802 43.46 49.10
19 Bay Commercial Bank Walnut Creek, Calif. commercial 3.90 0.62 613,955 33.17 49.85
20 Grant County State Bank Carson, N.D. commercial 3.84 2.15 35,376 32.99 37.40
21 Farmers and Merchants Bank Caldwell, Ohio commercial 3.71 1.56 107,094 30.65 37.23
22 Heartland Bank Little Rock, Ark. commercial 3.70 3.24 242,075 26.33 43.30
23 First Century Bank Gainesville, Ga. commercial 3.67 -0.82 109,663 51.08 76.65
24 Live Oak Banking Co. Wilmington, N.C. commercial 3.55 5.49 678,531 38.12 54.24
25 American Bank of the North Nashwauk, Minn. commercial 3.48 0.85 557,982 51.42 82.97
26 NewBank Flushing, N.Y. commercial 3.35 3.39 212,425 23.70 36.39
27 Peoples Community Bank Greenville, Mo. commercial 3.30 2.81 329,790 19.08 39.81
28 Bank of Milton Wis. commercial 3.23 0.27 100,716 37.72 42.85
29 Mid America Bank & Trust Co. Dixon, Mo. commercial 3.20 2.98 146,404 19.67 38.55
  NOA Bank Duluth, Ga. commercial 3.20 3.21 210,881 26.43 52.36
31 First National Bank Fabens, Texas commercial 3.18 2.95 337,950 29.85 44.50
32 Central Bank of Kansas City Mo. commercial 3.14 0.74 144,413 17.26 62.21
33 RidgeStone Bank Brookfield, Wis. commercial 3.11 2.81 398,451 25.11 53.94
34 Marlin Business Bank Salt Lake City commercial 3.06 3.56 712,870 18.02 39.69
35 First State Bank of Healy Kan. commercial 3.03 2.73 87,065 16.62 26.46
36 Legence Bank Eldorado, Ill. commercial 2.99 2.18 303,919 26.79 65.91
37 First Federal Savings and Loan Bank Olathe, Kan. commercial 2.98 2.14 72,425 23.81 39.95
38 Citizens State Bank Miles, Texas commercial 2.95 2.53 99,288 30.80 44.17
39 Peoples State Bank Summit, S.D. commercial 2.93 2.38 60,177 24.90 36.63
40 Farmers Exchange Bank Cherokee, Okla. commercial 2.88 2.60 273,458 31.86 37.64
  First National Bank Fort Pierre, S.D. commercial 2.88 2.74 789,167 12.23 39.89
42 Union Bank & Trust Co. Livingston, Tenn. commercial 2.87 2.65 82,477 23.45 47.68
43 Riverside Bank Sparkman, Ark. commercial 2.85 2.61 57,670 29.71 52.00
44 Waggoner National Bank of Vernon Texas commercial 2.81 2.40 282,410 20.87 45.39
45 First Colorado National Bank Paonia commercial 2.76 -0.90 48,725 14.65 69.32
  Prime Alliance Bank Woods Cross, Utah commercial 2.76 2.81 170,754 19.34 45.98
47 EvaBank Cullman, Ala. commercial 2.75 2.37 335,264 17.08 39.87
48 Farmers and Merchants Bank of Kendall Wis. commercial 2.73 2.56 71,207 20.28 48.04
  Ozark Heritage Bank Mountain View, Ark. commercial 2.73 1.75 85,393 21.57 47.91
  Premier Bank Rock Valley, Iowa commercial 2.73 2.71 302,321 21.94 31.24
51 ACB Bank Cherokee, Okla. commercial 2.72 2.27 97,905 32.14 44.59
52 Bank 7 Oklahoma City commercial 2.71 2.30 486,580 29.52 41.68
  Bank of Commerce Chelsea, Okla. commercial 2.71 1.07 157,653 23.95 65.32
54 Corydon State Bank Iowa commercial 2.70 3.06 97,320 14.84 23.66
  Metro City Bank Doraville, Ga. commercial 2.70 2.44 607,719 21.11 36.75
  WoodTrust Bank Wisconsin Rapids, Wis. commercial 2.70 2.19 384,434 29.25 50.37
57 Peoples Bank Lawrence, Kan. commercial 2.67 0.15 469,877 27.69 81.96
58 Bank of Morton Miss. commercial 2.66 2.41 65,190 19.97 52.35
  Central State Bank Pleasant Hill, Ill. commercial 2.66 2.60 120,910 18.00 49.00
  Oak Creek Valley Bank Valparaiso, Neb. commercial 2.66 2.98 71,367 18.72 29.24
  Security State Bank Farwell, Texas commercial 2.66 2.30 120,520 20.63 32.09
62 Spring Valley Bank Wyoming, Ohio commercial 2.65 0.46 67,196 6.15 41.25
63 BankWest Inc. Pierre, S.D. commercial 2.64 1.46 872,663 24.60 66.70
64 Great Plains National Bank Elk City, Okla. commercial 2.63 2.33 632,248 29.58 68.69
65 Americas United Bank Glendale, Calif. commercial 2.61 0.37 165,266 16.97 86.27
  Bank of Lake Mills Wis. commercial 2.61 1.17 201,734 24.51 49.87
  Ramsey National Bank Devils Lake, N.D. commercial 2.61 1.50 266,409 23.15 58.41
68 First Western Federal Savings Bank Rapid City, S.D. savings 2.58 3.98 43,534 15.53 54.66
  Impact Bank Wellington, Kan. commercial 2.58 0.70 132,484 24.32 71.77
  Security State Bank Sutherland, Iowa commercial 2.58 2.52 107,162 28.42 35.52
71 Farmers and Merchants State Bank Plankinton, S.D. commercial 2.57 1.94 96,087 27.23 40.38
  Venture Bank Bloomington, Minn. commercial 2.57 2.32 507,093 29.17 48.29
73 First National Bank of Las Animas Colo. commercial 2.56 1.92 319,939 22.49 48.31
  Metropolitan Bank Oakland, Calif. commercial 2.56 1.45 138,875 22.92 53.02
  Security Bank Tulsa, Okla. commercial 2.56 2.37 477,671 21.75 33.69
76 Yellowstone Bank Laurel, Mont. commercial 2.55 2.59 643,593 16.68 40.22
77 Bank of Geneva Ind. commercial 2.54 1.73 213,662 22.53 52.02
  Murphy Bank Fresno, Calif. commercial 2.54 2.26 200,401 21.88 44.56
79 Charter Bank Eau Claire Wis. commercial 2.53 2.73 596,520 17.78 35.02
  High Plains Bank Keyes, Okla. commercial 2.53 2.22 79,641 23.57 40.96
  Prime Bank Edmond, Okla. commercial 2.53 2.32 217,087 24.77 44.88
82 First Bank & Trust Co. Wagoner, Okla. commercial 2.52 2.38 274,227 22.46 47.03
  Peoples State Bank McDonald, Kan. commercial 2.52 2.12 133,958 28.10 45.39
84 Metamora State Bank Ohio commercial 2.51 0.30 63,807 26.76 54.04
85 Community Bank & Trust-West Georgia LaGrange commercial 2.50 -5.70 91,258 59.11 65.78
  First State Bank Scottsbluff, Neb. commercial 2.50 2.26 249,024 25.77 42.08
  Choice Financial Group Fargo, N.D. commercial 2.50 2.38 942,383 23.81 48.75
88 Citizens State Bank of La Crosse Wis. commercial 2.49 2.32 165,522 27.96 52.04
  First Financial Bank El Dorado, Ark. commercial 2.49 2.20 912,382 23.19 55.52
90 Hodge Bank & Trust Co. La. commercial 2.47 2.31 67,411 16.23 47.03
  Peoples Bank Westville, Okla. commercial 2.47 2.37 47,903 19.87 57.68
92 Central Bank and Trust Co. Hutchinson, Kan. commercial 2.46 1.87 260,070 27.59 54.12
  Farmers Savings Bank Wever, Iowa commercial 2.46 1.82 124,313 24.27 43.64
  Points West Community Bank Julesburg, Colo. commercial 2.46 2.12 220,239 24.62 45.82
95 First National Bank & Trust of Elk City Okla. commercial 2.45 2.03 325,814 21.55 41.02
96 First Bank of Chandler Okla. commercial 2.44 2.79 86,658 23.69 46.02
97 Bank of Buffalo Ky. commercial 2.43 2.88 75,483 22.30 38.87
  Douglas National Bank Ga. commercial 2.43 2.34 153,465 18.70 55.15
99 Bank of the West Thomas, Okla. commercial 2.42 2.51 137,983 21.06 53.33
100 First Home Bank Seminole, Fla. commercial 2.41 0.68 91,052 27.50 65.25
101 Bank of Advance Mo. commercial 2.40 2.45 303,898 15.97 46.70
102 St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.39 2.65 533,295 25.67 48.66
103 Commercial State Bank of Wagner S.D. commercial 2.38 2.79 150,734 21.84 43.57
  Freedom Bank Huntingburg, Ind. commercial 2.38 2.26 362,038 24.15 39.55
105 Bank of Hemet Riverside, Calif. commercial 2.37 2.46 514,212 20.81 48.40
  Heritage State Bank Lawrenceville, Ill. commercial 2.37 2.25 77,364 22.01 58.04
  Security Bank and Trust Co. Paris, Tenn. commercial 2.37 2.24 178,931 23.11 44.35
108 Citizens Alliance Bank Clara City, Minn. commercial 2.36 1.55 611,776 27.64 56.02
  Heartland State Bank Redfield, S.D. commercial 2.36 2.55 73,505 19.59 52.84
  Peoples National Bank Colorado Springs, Colo. commercial 2.36 0.78 316,192 23.72 76.28
111 Hometown Bank Kent, Ohio savings 2.35 0.30 164,021 24.81 45.66
  Paradise Bank Boca Raton, Fla. commercial 2.35 1.97 329,269 21.49 60.80
  Town and Country Bank Midwest Quincy, Ill. commercial 2.35 2.47 150,100 20.37 48.62
114 Bank of Glen Ullin N.D. commercial 2.33 2.39 52,388 22.65 47.33
  City Savings Bank & Trust Co. DeRidder, La. commercial 2.33 2.17 312,365 23.50 53.97
  Coffee County Bank Manchester, Tenn. commercial 2.33 2.31 135,211 18.15 49.19
  Fidelity Bank West Des Moines, Iowa commercial 2.33 0.63 75,283 20.68 74.20
  Goodfield State Bank Ill. commercial 2.33 2.42 100,551 19.55 52.97
119 The Bank McAlester, Okla. commercial 2.31 1.53 375,829 24.88 52.59
  TexasBank Brownwood commercial 2.31 2.59 412,361 18.56 54.69
121 Bank of England Ark. commercial 2.30 1.26 363,112 21.04 85.99
  Bank of Mauston Wis. commercial 2.30 1.85 266,263 20.96 41.89
  Dakota Heritage Bank of North Dakota Hunter commercial 2.30 1.44 192,145 20.78 49.79
  Grand Bank for Savings FSB Hattiesburg, Miss. savings 2.30 0.55 90,147 16.59 68.02
  Guaranty Bank & Trust Co. of Delhi La. commercial 2.30 1.96 188,280 26.63 54.28
  Southwest State Bank Sentinel, Okla. commercial 2.30 1.74 93,326 23.38 51.48
127 1st Bank & Trust Broken Bow, Okla. commercial 2.29 2.23 127,198 23.48 47.64
  Private Bank of Buckhead Atlanta commercial 2.29 0.24 263,413 24.61 68.75
129 St. Clair State Bank Inc. Minn. commercial 2.28 2.16 84,267 18.49 32.48
  United Farmers State Bank Adams, Minn. commercial 2.28 2.15 142,967 20.57 41.19
131 Farmers & Merchants State Bank of Cawker City Kan. commercial 2.27 1.76 16,293 22.49 46.55
132 Adrian Bank Mo. commercial 2.26 2.45 140,766 23.79 42.60
  American National Bank-Fox Cities Appleton, Wis. commercial 2.26 1.88 245,672 17.61 44.37
  Victory Community Bank Fort Mitchell, Ky. savings 2.26 2.01 166,655 17.27 47.58
135 First National Bank South Alma, Ga. commercial 2.25 2.44 321,357 15.25 43.51
  Southwest Capital Bank Las Vegas, N.M. commercial 2.25 2.38 281,455 24.53 49.30
  Volunteer State Bank Portland, Tenn. commercial 2.25 1.60 506,481 22.69 70.58
138 Cowboy Bank of Texas Maypearl commercial 2.24 2.69 60,527 22.22 57.22
  Financial Federal Bank Memphis, Tenn. commercial 2.24 1.85 392,899 14.13 49.25
  Level One Bank Farmington Hills, Mich. commercial 2.24 0.71 843,357 21.92 51.67
141 Kensington Bank Minn. commercial 2.23 0.85 144,619 21.96 57.18
142 Community Bank Longview, Texas commercial 2.22 2.14 219,889 24.92 44.61
143 Bank of Prague Neb. commercial 2.21 1.66 24,196 13.95 54.52
  Basile State Bank La. commercial 2.21 1.83 58,236 22.46 57.57
  Petersburg State Bank Neb. commercial 2.21 1.67 37,082 25.92 45.03
146 Jackson County Bank Black River Falls, Wis. commercial 2.20 2.13 207,076 18.65 49.56
147 Bank of Galesville Wis. commercial 2.19 1.34 92,051 13.10 56.91
  Coleman County State Bank Texas commercial 2.19 2.28 105,580 22.85 57.57
  First Security Bank-Canby Minn. commercial 2.19 2.48 64,806 14.16 43.52
  First Whitney Bank and Trust Atlantic, Iowa commercial 2.19 2.00 210,674 20.31 30.89
  Marion County State Bank Pella, Iowa commercial 2.19 2.16 270,578 19.18 40.73
  Morris Bank Dublin, Ga. commercial 2.19 2.28 490,420 20.35 50.26
153 Community First Bank Butler, Mo. commercial 2.18 1.46 166,082 24.90 44.46
  Crockett National Bank San Angelo, Texas commercial 2.18 1.22 547,086 22.37 74.92
  Exchange Bank and Trust Co. Perry, Okla. commercial 2.18 1.89 285,606 23.53 48.52
  Kearny County Bank Lakin, Kan. commercial 2.18 2.03 187,965 13.16 48.07
  State Bank Hoxie, Kan. commercial 2.18 1.67 152,308 19.71 42.11
158 Brunswick State Bank Neb. commercial 2.17 2.29 97,976 21.23 45.64
  Commercial Bank Crawford, Ga. commercial 2.17 1.91 121,267 21.31 50.72
  Cross River Bank Teaneck, N.J. commercial 2.17 1.03 344,088 21.75 47.78
  Grand Bank & Trust of Florida West Palm Beach commercial 2.17 0.91 211,711 20.74 100.47
  HNB National Bank Hannibal, Mo. commercial 2.17 2.12 400,113 17.81 50.42
  Red River State Bank Halstad, Minn. commercial 2.17 2.39 48,269 16.60 52.36
164 KodaBank Drayton, N.D. commercial 2.16 1.09 136,156 20.21 44.84
  North Central Bank Hennepin, Ill. commercial 2.16 0.94 130,846 17.59 56.24
166 Farmers Bank and Trust Co. Blytheville, Ark. commercial 2.15 1.68 418,413 22.29 51.60
  Wells Bank of Platte City Mo. commercial 2.15 2.37 128,524 24.33 48.71
168 Bloomsdale Bank Mo. commercial 2.14 2.61 209,581 19.96 46.03
  Four Corners Community Bank Farmington, N.M. commercial 2.14 1.30 315,390 21.59 46.90
  Spring Bank Bronx, N.Y. commercial 2.14 2.22 118,155 16.59 62.72
  Vermillion State Bank Minn. commercial 2.14 2.43 556,574 16.54 29.57
172 Alliance Bank St. Paul, Minn. commercial 2.13 1.18 563,098 16.83 59.72
  First National Bank of Picayune Miss. commercial 2.13 2.37 202,990 15.61 55.56
  Heritage Bank Jonesboro, Ga. commercial 2.13 -0.18 385,705 27.81 76.31
  Republic Bank Bountiful, Utah commercial 2.13 4.37 227,022 14.86 39.56
  Sawyer Savings Bank Saugerties, N.Y. savings 2.13 0.77 204,513 17.93 98.30
  Security Bank USA Bemidji, Minn. commercial 2.13 1.26 129,634 22.57 58.10
178 Farmers Trust & Savings Bank Williamsburg, Iowa commercial 2.12 1.99 135,434 9.85 44.13
  Grant County State Bank Swayzee, Ind. commercial 2.12 1.65 129,243 21.07 41.30
  Home Bank of California San Diego commercial 2.12 2.00 124,190 11.75 55.14
  Mississippi River Bank Belle Chasse, La. commercial 2.12 2.03 147,425 19.18 51.95
  Peoples Bank Rock Valley, Iowa commercial 2.12 1.83 450,275 18.13 46.73
  Welcome State Bank Minn. commercial 2.12 1.73 26,350 21.30 54.65
184 Citizens State Bank Marysville, Kan. commercial 2.11 2.05 304,250 19.64 37.20
  First Bank of Berne Ind. commercial 2.11 2.32 550,506 21.29 52.24
  Homeland Federal Savings Bank Columbia, La. savings 2.11 2.21 164,352 18.77 64.53
  Municipal Trust and Savings Bank Bourbonnais, Ill. commercial 2.11 1.54 286,165 10.01 36.89
  State Bank of De Kalb Texas commercial 2.11 1.89 171,064 17.45 55.66
  Tustin Community Bank Calif. commercial 2.11 0.92 72,127 16.01 59.21
  Ultima Bank Minnesota Winger commercial 2.11 2.08 159,892 23.67 52.71
191 Bank of Tescott Kan. commercial 2.10 2.00 325,013 17.06 44.36
  First National Bank of America East Lansing, Mich. commercial 2.10 1.97 732,043 18.98 49.50
  Nodaway Valley Bank Maryville, Mo. commercial 2.10 2.08 840,734 16.98 52.13
  Palo Savings Bank Iowa commercial 2.10 1.96 32,814 15.92 46.17
  Taylor County Bank Campbellsville, Ky. commercial 2.10 1.71 179,540 17.85 53.35
  Titan Bank Mineral Wells, Texas commercial 2.10 3.11 80,099 20.71 73.26
  Vermilion Valley Bank Piper City, Ill. commercial 2.10 1.66 122,230 15.37 36.90
  American State Bank Sioux Center, Iowa commercial 2.10 2.19 703,351 17.97 43.43
199 Lamar Bank and Trust Co. Mo. commercial 2.09 2.08 139,001 22.27 49.45
  Quail Creek Bank Oklahoma City commercial 2.09 2.20 575,221 21.10 48.86

Note: Independent banks and thrifts operating as of May 29, 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
, Charlottesville, Va.
© 2015 American Banker