Community Banks with the Highest Returns on Average Assets

December 01, 2015, 8:19 p.m. EST 1 Min Read

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Community Banks with the Highest Returns on Average AssetsYear to date through June 30, 2015. Dollars in thousands Published December 1, 2015
Rank	Company	Type of institution	Return on avg. assets		Total assets	Return on avg. equity	Efficiency ratio
Rank	Company	Type of institution	2Q 2015	2Q 2014	Total assets	Return on avg. equity	Efficiency ratio
1	Deerwood Bank Minn.	commercial	20.38%	2.11%	$568,838	141.41%	12.93
2	Integrity First Bank Wausau, Wis.	commercial	18.96	0.53	76,457	136.24	79.55
3	VistaBank Aiken, S.C.	commercial	10.46	0.09	111,848	106.42	94.38
4	Four Oaks Bank & Trust Co. N.C.	savings	9.25	1.34	720,534	94.24	83.12
5	United Midwest Savings Bank De Graff, Ohio	commercial	7.60	0.64	177,371	76.66	83.33
6	Macon Bank Inc. Franklin, N.C.	commercial	7.40	0.33	969,036	59.23	105.51
7	Atlantic Community Bank Bluffton, S.C.	commercial	7.08	4.48	81,075	63.90	71.98
8	First Reliance Bank Florence, S.C.	commercial	6.97	0.57	379,416	56.61	96.22
9	FirsTier Bank Kimball, Neb.	commercial	6.71	2.70	239,182	48.94	28.80
10	University Bank Ann Arbor, Mich.	commercial	6.46	2.66	167,524	69.70	66.56
11	State Bank of Herscher Ill.	savings	6.32	-2.42	122,497	467.14	42.99
12	American Bank of the North Nashwauk, Minn.	savings	6.31	0.70	577,242	80.25	79.04
13	Haverford Trust Co. Radnor, Pa.	commercial	6.24	6.34	99,091	35.71	80.59
14	First Credit Bank Los Angeles	commercial	5.99	6.33	393,636	13.59	11.93
15	Grand Mountain Bank FSB Granby, Colo.	commercial	5.83	0.05	89,476	77.34	91.88
16	State Bank of Texas Dallas	commercial	5.43	4.90	714,833	28.90	21.25
17	Taylorsville Savings Bank SSB N.C.	commercial	5.37	0.25	97,698	62.27	85.78
18	Tejas Bank Monahans, Texas	commercial	5.00	2.35	129,232	42.32	33.21
19	Peoples Bank & Trust Co. Owenton, Ky.	commercial	4.80	1.45	56,850	23.69	41.21
20	Farmers State Bank of Blue Mound Kan.	commercial	4.66	0.80	45,750	28.80	41.62
21	Yellowstone Bank Laurel, Mont.	commercial	4.58	2.89	661,002	29.13	28.24
22	First Home Bank Mountain Grove, Mo.	commercial	4.57	0.33	202,691	54.71	87.04
23	Albina Community Bank Portland, Ore.	commercial	4.47	0.24	153,802	43.26	48.58
24	Magnolia Bank Hodgenville, Ky.	commercial	4.45	0.59	173,580	45.14	63.06
25	Federal Savings Bank Chicago	commercial	4.35	1.39	287,704	34.80	82.67
26	1st Bank Broadus, Mont.	commercial	4.29	0.76	47,439	40.69	33.80
27	Nebraska State Bank Oshkosh	commercial	4.04	2.85	49,756	34.86	35.32
28	First Security Bank Beaver, Okla.	commercial	4.03	-0.95	114,081	49.13	31.22
29	Grand Timber Bank McGregor, Minn.	commercial	3.96	1.23	41,436	24.47	71.03
30	First National Bank and Trust Co. of Okmulgee Okla.	commercial	3.84	-0.83	269,885	31.92	44.36
31	PrinsBank Prinsburg, Minn.	commercial	3.79	1.67	123,092	31.33	45.53
32	Town & Country Bank and Trust Co. Bardstown, Ky.	commercial	3.75	1.03	265,114	32.76	84.48
33	US Metro Bank Garden Grove, Calif.	commercial	3.70	-2.59	127,238	25.23	105.95
34	CFG Community Bank Baltimore	commercial	3.69	1.16	634,194	31.97	49.59
35	Dutton State Bank Mont.	commercial	3.64	1.04	53,830	37.67	52.53
36	Canyon Community Bank Tucson, Ariz.	commercial	3.63	-3.20	67,612	57.91	129.57
37	National Bank of Kansas City Overland Park, Kan.	commercial	3.60	0.73	624,535	28.18	74.12
38	NOA Bank Duluth, Ga.	commercial	3.51	3.24	212,593	29.45	50.15
39	NewBank Flushing, N.Y.	commercial	3.49	3.18	220,955	23.63	38.70
40	McFarland State Bank Wis.	commercial	3.45	1.62	428,173	24.69	54.83
41	Peoples Community Bank Greenville, Mo.	commercial	3.44	3.10	336,702	20.52	37.68
42	Harvard Savings Bank Ill.	commercial	3.40	0.70	156,310	42.01	96.67
43	Mid America Bank & Trust Co. Dixon, Mo.	commercial	3.39	2.62	146,188	20.05	41.03
	Peoples National Bank Colorado Springs, Colo.	commercial	3.39	1.78	344,014	33.10	70.13
45	First Utah Bank Salt Lake City	commercial	3.35	1.32	347,214	47.20	63.05
46	Brazos National Bank Richwood, Texas	commercial	3.30	1.14	26,907	17.13	87.33
47	OmniBank Bay Springs, Miss.	commercial	3.28	-0.93	46,525	28.40	88.02
48	Titan Bank Mineral Wells, Texas	commercial	3.27	0.98	80,951	31.05	55.19
49	Peoples Bank & Trust Buford, Ga.	commercial	3.24	1.04	273,375	41.61	44.60
50	Texas Bank Financial Weatherford	commercial	3.22	2.33	136,272	34.09	71.09
51	WoodTrust Bank Wisconsin Rapids, Wis.	commercial	3.20	2.39	370,851	32.27	46.59
52	EvaBank Cullman, Ala.	commercial	3.17	4.80	334,480	19.24	36.20
53	Choice Financial Group Fargo, N.D.	commercial	3.16	3.08	935,093	30.09	52.45
54	First Colorado National Bank Paonia	commercial	3.12	4.27	53,796	15.76	70.60
55	Bank 7 Oklahoma City	commercial	3.10	2.39	493,668	32.34	38.13
	Peoples Bank Lawrence, Kan.	commercial	3.10	1.37	497,886	31.99	80.64
	Peoples State Bank Summit, S.D.	commercial	3.10	2.87	60,740	26.76	36.20
58	Peoples State Bank Cherryvale, Kan.	commercial	3.09	4.17	19,693	12.63	48.25
59	Citizens State Bank Miles, Texas	commercial	3.08	3.02	102,454	32.38	42.36
60	Citizens State Bank of La Crosse Wis.	commercial	3.06	3.14	175,817	35.91	45.82
	First Financial Bank El Dorado, Ark.	commercial	3.06	2.60	878,826	26.90	52.72
62	Community Bank of the South Smyrna, Ga.	commercial	3.03	1.45	361,818	32.67	61.28
63	First National Bank of Weatherford Texas	commercial	3.00	0.76	206,715	33.07	50.79
	Volunteer State Bank Portland, Tenn.	commercial	3.00	2.11	520,898	30.08	66.54
65	Private Bank of Buckhead Atlanta	commercial	2.99	0.40	263,991	33.63	70.55
66	Benchmark Bank Plano, Texas	commercial	2.95	1.59	482,750	30.71	72.06
67	Bank of Newington Ga.	commercial	2.93	1.71	82,682	36.67	70.98
68	Northpointe Bank Grand Rapids, Mich.	savings	2.92	2.71	417,625	32.10	61.15
69	Farmers and Merchants Bank of Kendall Wis.	commercial	2.91	3.01	72,003	21.35	46.59
	First National Bank Fort Pierre, S.D.	commercial	2.91	2.73	790,051	12.06	38.46
	Heartland Bank Little Rock, Ark.	commercial	2.91	3.08	244,548	20.92	48.76
72	Great Plains National Bank Elk City, Okla.	commercial	2.90	3.22	606,452	32.79	68.09
	Riverside Bank Sparkman, Ark.	commercial	2.90	3.10	58,390	30.74	49.88
74	Peoples Bank & Trust Co. Ryan, Okla.	commercial	2.87	8.87	30,165	17.85	96.84
	Prosper Bank Texas	commercial	2.87	0.30	78,236	28.97	103.19
76	Marlin Business Bank Salt Lake City	commercial	2.86	3.05	713,692	16.24	46.18
77	Corydon State Bank Iowa	commercial	2.85	2.74	98,124	15.65	18.46
	First Bank of Chandler Okla.	commercial	2.85	3.21	87,437	27.68	35.60
	Prime Bank Edmond, Okla.	commercial	2.85	2.60	217,148	27.43	40.95
80	Premier Bank Rock Valley, Iowa	commercial	2.83	2.67	313,023	22.76	31.12
	Jacksonville Bank Fla.	commercial	2.83	0.76	500,911	25.21	68.60
82	Sevier County Bank Sevierville, Tenn.	commercial	2.82	-0.18	315,537	57.77	94.89
83	Bank of Glen Ullin N.D.	commercial	2.80	2.57	56,383	27.94	37.69
	Bank of Grandin Mo.	commercial	2.80	1.95	155,930	18.50	26.86
85	Charter Bank Eau Claire Wis.	commercial	2.78	3.05	594,574	19.83	31.63
	Home Bank of California San Diego	commercial	2.78	2.66	121,861	15.18	42.08
87	Guardian Savings Bank FSB West Chester, Ohio	commercial	2.76	1.51	847,533	25.76	47.62
88	Bank of Advance Mo.	commercial	2.73	2.47	303,712	17.29	48.43
89	Countryside Bank Ill.	commercial	2.71	1.92	582,636	26.29	53.61
	First Bank of Lincoln Mont.	commercial	2.71	1.91	20,408	20.30	53.03
91	Cross River Bank Teaneck, N.J.	commercial	2.70	2.08	382,060	27.18	44.82
	Farmers and Merchants State Bank Plankinton, S.D.	commercial	2.70	2.27	98,228	26.80	41.09
	Farmers Exchange Bank Cherokee, Okla.	commercial	2.70	2.59	277,275	29.53	35.88
94	Spring Valley Bank Wyoming, Ohio	commercial	2.69	2.29	67,262	6.47	44.31
95	Crockett National Bank San Angelo, Texas	commercial	2.68	2.25	585,135	29.29	71.22
	Guaranty Bank & Trust Co. of Delhi La.	commercial	2.68	2.42	185,858	30.31	47.35
97	First Bank Texas SSB Baird, Texas	commercial	2.67	0.95	427,077	29.19	59.21
	State Bank of Wheaton Minn.	commercial	2.67	1.77	76,915	12.74	40.20
99	First Intercontinental Bank Doraville, Ga.	commercial	2.66	1.64	273,187	17.23	44.93
	Metro City Bank Doraville, Ga.	commercial	2.66	2.09	643,775	21.17	38.21
	Stone Bank Mountain View, Ark.	commercial	2.66	2.45	88,977	19.56	49.78
102	Security State Bank Sutherland, Iowa	commercial	2.65	2.59	113,796	29.75	32.71
	Solon State Bank Iowa	commercial	2.65	2.60	87,905	11.26	41.35
104	Welcome State Bank Minn.	commercial	2.64	2.56	25,836	25.65	46.30
105	ACB Bank Cherokee, Okla.	commercial	2.63	2.36	100,913	31.71	46.13
106	Bank of Morton Miss.	commercial	2.62	2.35	64,097	19.75	54.57
107	First Western Federal Savings Bank Rapid City, S.D.	commercial	2.61	3.18	44,756	16.22	52.81
	Wallis State Bank Texas	commercial	2.61	3.10	446,375	25.27	58.30
	Wyoming Bank & Trust Cheyenne	commercial	2.61	1.71	156,540	24.94	79.61
110	Bloomsdale Bank Mo.	commercial	2.60	1.94	209,120	25.28	38.43
	First National Bank of Picayune Miss.	savings	2.60	2.26	203,114	19.36	50.24
112	1st Bank & Trust Broken Bow, Okla.	commercial	2.59	2.38	128,765	31.59	47.57
	Sargent County Bank Forman, N.D.	commercial	2.59	2.46	115,646	17.44	27.29
	Heritage State Bank Lawrenceville, Ill.	commercial	2.59	2.57	84,154	24.19	51.30
115	American Federal Bank Fargo, N.D.	commercial	2.58	1.12	503,160	28.06	51.26
	First Savings Bank Beresford, S.D.	commercial	2.58	1.42	543,308	15.21	46.72
	Freedom Bank Columbia Falls, Mont.	commercial	2.58	1.44	56,551	25.00	58.80
	Millennium Bank Des Plaines, Ill.	commercial	2.58	2.52	81,919	27.60	53.79
119	Hodge Bank & Trust Co. La.	commercial	2.57	2.22	67,999	16.52	46.19
120	First Bank & Trust Co. Wagoner, Okla.	commercial	2.56	3.12	269,252	22.37	46.93
	Orange County Business Bank Irvine, Calif.	commercial	2.56	0.29	199,991	10.56	106.06
	Paradise Bank Boca Raton, Fla.	commercial	2.56	1.53	318,652	23.68	55.57
	Waggoner National Bank of Vernon Texas	commercial	2.56	2.61	278,915	18.96	45.65
124	Bank of Hemet Riverside, Calif.	savings	2.55	2.56	586,041	23.54	45.15
	Coffee County Bank Manchester, Tenn.	commercial	2.55	2.64	137,533	20.28	45.69
	Fahey Banking Co. Marion, Ohio	commercial	2.55	0.84	213,705	11.15	43.73
127	Payne County Bank Perkins, Okla.	commercial	2.54	2.54	153,940	14.43	46.32
	State Bank of De Kalb Texas	commercial	2.54	2.11	175,531	20.98	51.46
129	Farmers Bank Ault, Colo.	commercial	2.51	1.45	226,185	20.79	50.11
	Kearny County Bank Lakin, Kan.	commercial	2.51	2.20	191,498	14.84	45.55
131	Bank of Baker Mont.	commercial	2.50	2.20	158,766	28.48	39.50
	Central Bank and Trust Co. Hutchinson, Kan.	commercial	2.50	2.02	264,981	27.82	53.80
133	Bank of Montgomery La.	commercial	2.48	2.09	223,245	25.62	57.06
	First National Bank of America East Lansing, Mich.	savings	2.48	2.17	748,060	23.80	45.82
	Wells Bank of Platte City Platte City, Mo.	commercial	2.48	2.31	129,683	27.44	47.79
136	First Federal Savings and Loan Bank Olathe, Kan.	commercial	2.47	2.44	77,742	22.45	39.10
137	State Bank of New Richland Minn.	commercial	2.46	2.23	99,078	25.03	37.44
138	Central State Bank Pleasant Hill, Ill.	commercial	2.45	2.09	121,743	16.34	46.40
	Commercial State Bank of Wagner S.D.	commercial	2.45	2.76	146,720	22.60	38.35
	Martha's Vineyard Savings Bank Edgartown, Mass.	commercial	2.45	0.75	629,807	19.64	68.79
141	Bank of the Rockies White Sulphur Springs, Mont.	commercial	2.44	1.06	130,868	21.06	75.04
	Fife Commercial Bank Wash.	commercial	2.44	2.18	86,122	20.44	56.57
	Murphy Bank Fresno, Calif.	commercial	2.44	2.08	210,875	21.60	45.65
144	T Bank Dallas	commercial	2.43	1.47	171,816	17.15	73.41
145	Bank of Buffalo Ky.	commercial	2.42	2.32	73,783	22.27	39.71
	Bank of England Ark.	commercial	2.42	2.06	387,993	24.30	85.21
	HNB National Bank Hannibal, Mo.	commercial	2.42	2.27	390,542	19.99	50.97
	Town and Country Bank Midwest Quincy, Ill.	commercial	2.42	2.68	148,685	19.49	51.95
	Vermillion State Bank Minn.	commercial	2.42	2.40	538,214	19.36	28.84
150	Goodfield State Bank Ill.	commercial	2.41	2.17	98,911	19.92	53.56
	Waukon State Bank Iowa	commercial	2.41	2.16	256,590	17.30	34.23
152	Bank of Hazlehurst Ga.	commercial	2.40	1.01	114,721	18.33	49.30
	Cowboy Bank of Texas Maypearl	commercial	2.40	2.37	62,530	24.09	56.66
	Prime Alliance Bank Woods Cross, Utah	commercial	2.40	2.32	172,937	17.31	43.22
	Security Bank Tulsa, Okla.	commercial	2.40	2.46	503,917	21.14	33.53
	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	2.40	2.76	531,396	25.08	49.87
157	First Community Bank of Bedford County Shelbyville, Tenn.	commercial	2.38	1.10	409,567	18.67	68.49
	Great American Bank Lawrence, Kan.	commercial	2.38	1.35	160,798	16.23	54.46
	TexasBank Brownwood	commercial	2.38	2.49	409,691	19.28	53.11
160	Citizens State Bank Okemah, Okla.	commercial	2.37	1.99	379,183	29.38	77.35
161	Bank of the West Thomas, Okla.	commercial	2.36	2.39	138,874	20.61	53.14
	Grant County State Bank Carson, N.D.	commercial	2.36	2.47	32,865	19.64	48.84
163	Bank of Commerce McLean, Texas	commercial	2.35	1.60	34,615	16.41	35.93
	Champion Bank Parker, Colo.	commercial	2.35	-0.16	53,107	20.19	66.81
	Commercial Bank of Mott N.D.	commercial	2.35	1.93	99,967	19.25	39.53
	Freedom Bank Huntingburg, Ind.	commercial	2.35	2.46	365,836	23.81	40.24
	Live Oak Banking Co. Wilmington, N.C.	commercial	2.35	6.84	844,760	24.07	67.73
168	BankSouth Greensboro, Ga.	commercial	2.34	2.53	419,245	20.77	83.78
	Continental Bank Salt Lake City	commercial	2.34	8.10	163,191	14.27	42.91
	Douglas National Bank Ga.	commercial	2.34	2.63	154,775	17.93	55.18
	Quail Creek Bank Oklahoma City	commercial	2.34	2.29	558,302	23.27	48.08
172	First Community Bank Santa Rosa, Calif.	commercial	2.33	2.28	953,437	21.71	42.43
	Regional Missouri Bank Marceline	commercial	2.33	0.92	193,900	25.76	43.92
	Venture Bank Bloomington, Minn.	commercial	2.33	2.61	524,925	25.32	52.31
175	Bank of Geneva Ind.	commercial	2.32	2.26	217,741	20.48	51.88
	Farmers State Bank Allen, Okla.	savings	2.32	2.08	43,696	20.04	56.56
	First National Bank in Philip S.D.	commercial	2.32	1.54	244,113	22.00	45.18
	Southwest Capital Bank Albuquerque, N.M.	commercial	2.32	1.90	316,957	27.27	47.99
179	Campbell County Bank Inc. Herreid, S.D.	commercial	2.31	1.92	106,716	16.25	43.63
	Gunnison Valley Bank Utah	commercial	2.31	-2.81	79,343	20.54	46.42
	High Plains Bank Keyes, Okla.	commercial	2.31	2.22	75,345	20.70	45.79
	PlantersFirst Cordele, Ga.	commercial	2.31	0.68	270,825	25.79	63.57
	Chelsea State Bank Mich.	commercial	2.31	1.40	269,383	21.17	59.09
184	Enloe State Bank Cooper, Texas	commercial	2.30	1.68	28,602	20.71	47.61
185	The Bank Oberlin, Kan.	commercial	2.29	2.04	348,031	22.28	32.89
	Commercial Bank Crawford, Ga.	savings	2.29	1.98	124,035	22.39	50.56
	First National Bank Wichita Falls, Texas	commercial	2.29	1.34	425,547	23.17	65.02
	First National Bank Fabens, Texas	commercial	2.29	2.63	347,589	21.67	55.11
	First State Bank of Warner S.D.	commercial	2.29	2.34	62,010	22.99	54.77
190	First National Bank of Las Animas Colo.	commercial	2.28	2.58	322,447	20.24	46.93
	St. Henry Bank Ohio	commercial	2.28	2.32	271,548	15.08	35.54
192	Bank of Hydro Okla.	commercial	2.27	2.60	128,949	27.98	44.95
	Petersburg State Bank Neb.	commercial	2.27	2.20	37,871	25.41	46.03
194	Farmers and Merchants State Bank of Blooming Prairie Minn.	commercial	2.26	1.66	76,266	26.38	48.28
	Farmers Bank and Trust Co. Blytheville, Ark.	commercial	2.26	2.23	424,421	23.20	50.16
	First National Bank Goodland, Kan.	commercial	2.26	0.72	181,219	15.84	80.66
	First National Bank of Hughes Springs Texas	commercial	2.26	2.34	265,586	15.45	50.19
198	Commercial Capital Bank Delhi, La.	commercial	2.25	2.22	73,695	17.37	57.92
	Cumberland Security Bank Inc. Somerset, Ky.	commercial	2.25	2.21	171,261	17.11	55.48
	First Security Bank Canby, Minn.	commercial	2.25	2.02	67,413	14.26	44.86

Note: Independent banks and thrifts operating as of Aug. 28, 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