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Community Banks with the Highest Returns on Average Assets

December 28, 2015, 2:57 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 AssetsYear to date through Sept. 30, 2015. Dollars in thousands
Published December 28, 2015
Rank Company Type of
institution		 Return on
avg. assets		 Total
assets		 Return on
avg. equity		 Efficiency
ratio
3Q 2015 3Q 2014
1 Friends Bank New Smyrna Beach, Fla. commercial 17.39% 0.53% $98,495 197.93% 88.25
2 Coast National Bank San Luis Obispo, Calif. commercial 16.74 0.24 144,901 147.86 40.34
3 Royal Savings Bank Chicago savings 16.44 0.70 205,047 70.40 17.54
4 New Resource Bank San Francisco commercial 10.70 0.89 280,036 79.98 89.91
5 First Carolina Bank Rocky Mount, N.C. commercial 9.07 -0.26 148,773 85.00 75.57
6 Delaware County Bank and Trust Co. Powell, Ohio commercial 8.33 0.04 542,618 85.50 94.22
7 Continental Bank Salt Lake City commercial 8.17 6.12 162,928 46.44 27.70
8 Haverford Trust Co. Radnor, Pa. commercial 7.27 2.33 111,482 39.98 77.46
9 Almena State Bank Kan. commercial 6.80 2.45 59,630 88.68 37.88
10 One Bank & Trust Little Rock, Ark. commercial 6.72 0.11 329,386 139.53 43.77
11 PrinsBank Prinsburg, Minn. commercial 6.44 3.42 124,369 51.10 35.85
12 State Bank of Texas Dallas commercial 6.38 6.45 664,639 31.64 16.79
13 First Credit Bank Los Angeles commercial 6.13 5.72 403,137 14.31 2.71
14 Bank of Washington Lynnwood commercial 5.07 0.10 160,510 46.33 80.08
15 Brazos National Bank Richwood, Texas commercial 5.02 1.87 27,147 24.46 83.34
16 New Century Bank Belleville, Kan. commercial 4.99 2.60 33,357 47.22 52.50
17 Wells Federal Bank Minn. commercial 4.88 0.89 268,404 51.65 37.36
18 Spring Valley Bank Wyoming, Ohio commercial 4.87 3.23 65,593 11.31 23.83
19 Central Bank of Kansas City Mo. commercial 4.61 2.55 131,547 25.78 54.43
  Peoples Bank & Trust Co. Ryan, Okla. commercial 4.61 4.54 29,096 28.75 93.38
21 Bank of Prague Neb. commercial 4.17 3.73 23,726 26.17 35.53
22 Cross River Bank Teaneck, N.J. commercial 3.76 2.83 427,350 39.20 39.86
23 NOA Bank Duluth, Ga. commercial 3.75 3.46 226,572 31.36 47.34
24 CFG Community Bank Baltimore commercial 3.71 4.06 666,443 35.71 48.08
25 Peoples Community Bank Greenville, Mo. commercial 3.59 3.22 340,404 21.68 37.92
26 Nebraska State Bank Oshkosh commercial 3.58 3.36 52,369 28.03 43.45
27 Mid America Bank & Trust Co. Dixon, Mo. commercial 3.54 3.29 147,892 20.20 39.54
28 Merchants State Bank Freeman, S.D. commercial 3.38 1.23 149,812 32.85 39.36
29 Independence Bank East Greenwich, R.I. commercial 3.26 -0.34 37,643 16.86 53.95
30 First Bank of Chandler Okla. commercial 3.25 3.21 88,761 31.10 37.83
31 Freedom Bank Columbia Falls, Mont. commercial 3.22 1.87 61,301 32.19 51.13
32 National Bank of Andrews Texas commercial 3.17 3.75 187,912 31.93 52.61
  RidgeStone Bank Brookfield, Wis. commercial 3.17 3.22 423,688 25.33 51.46
34 Fayette Savings Bank La Grange, Texas savings 3.16 0.71 106,658 39.21 34.82
  NewBank Flushing, N.Y. commercial 3.16 3.19 253,591 23.55 37.26
36 Bank 7 Oklahoma City commercial 3.11 2.53 500,764 31.75 36.95
37 Charter Bank Eau Claire, Wis. commercial 3.07 3.30 608,718 22.27 32.02
  Marlin Business Bank Salt Lake City commercial 3.07 2.95 733,615 17.71 46.44
39 Cowboy Bank of Texas Maypearl commercial 3.05 2.64 67,105 30.07 50.41
40 First Financial Bank El Dorado, Ark. commercial 3.03 2.68 859,670 25.54 54.35
  First National Bank South Alma, Ga. commercial 3.03 1.57 330,218 19.44 40.57
42 Crockett National Bank San Angelo, Texas commercial 3.01 2.42 564,078 32.48 70.12
43 First National Bank Fort Pierre, S.D. commercial 2.97 2.71 802,630 12.09 37.35
44 Bank of Morton Miss. commercial 2.95 2.73 63,526 21.45 41.59
  Corydon State Bank Iowa commercial 2.95 2.97 101,754 16.29 19.46
  First State Bank of Warner S.D. commercial 2.95 1.79 65,753 29.43 45.68
  Riverside Bank Sparkman, Ark. commercial 2.95 3.08 61,391 32.74 47.59
48 Bank of Glen Ullin N.D. commercial 2.94 2.20 59,103 31.13 35.75
49 Solon State Bank Iowa commercial 2.93 2.71 90,172 12.70 40.20
50 Peoples Bank Mt. Washington Ky. commercial 2.92 0.79 80,524 24.80 78.14
51 Citizens State Bank of La Crosse Wis. commercial 2.91 2.86 184,669 33.80 46.32
  Prime Bank Edmond, Okla. commercial 2.91 2.73 224,684 28.12 37.89
53 Grant County State Bank Carson, N.D. commercial 2.87 2.76 34,894 23.76 44.82
54 Farmers and Merchants Bank of Kendall Wis. commercial 2.86 2.91 72,551 21.41 47.29
55 First State Bank Farnam, Neb. commercial 2.85 2.25 59,322 17.57 50.35
56 ACB Bank Cherokee, Okla. commercial 2.81 1.88 109,301 33.72 43.55
  Brimfield Bank Ill. commercial 2.81 0.60 48,142 25.32 98.62
  Texas Bank Financial Weatherford commercial 2.81 2.80 162,176 30.98 72.57
59 First Colorado National Bank Paonia commercial 2.80 2.58 54,729 13.86 74.68
60 Farmers and Merchants State Bank Plankinton, S.D. commercial 2.78 2.02 102,781 27.70 39.79
61 Volunteer State Bank Portland, Tenn. commercial 2.77 1.59 525,982 27.08 66.89
62 First Bank & Trust Co. Wagoner, Okla. commercial 2.76 3.36 267,757 23.79 44.22
  State Bank of Wheaton Minn. commercial 2.76 1.82 78,295 13.50 36.22
64 Douglas National Bank Ga. commercial 2.75 2.54 160,570 21.39 51.73
65 WoodTrust Bank Wisconsin Rapids, Wis. commercial 2.74 2.78 363,566 27.99 49.90
66 Crown Bank Elizabeth, N.J. commercial 2.72 2.48 513,668 20.28 54.80
  Premier Bank Rock Valley, Iowa commercial 2.72 2.73 327,627 22.46 31.53
68 Citizens State Bank Miles, Texas commercial 2.71 2.96 112,610 29.62 46.68
69 Peoples National Bank Colorado Springs, Colo. commercial 2.70 1.42 359,246 26.30 73.36
70 Citizens National Bank of Texas Waxahachie commercial 2.68 1.85 706,660 24.05 62.19
  St. Martin Bank and Trust Co. St. Martinville, La. commercial 2.68 2.77 530,152 26.95 47.44
72 First State Bank of Beecher City Ill. commercial 2.67 2.57 69,031 17.68 46.81
73 Bank of Advance Mo. commercial 2.66 2.82 306,779 16.24 49.70
74 Central State Bank Pleasant Hill, Ill. commercial 2.65 2.46 122,567 17.82 46.60
75 Farmers Exchange Bank Cherokee, Okla. commercial 2.63 2.68 282,153 28.35 34.76
  KodaBank Drayton, N.D. commercial 2.63 2.27 144,893 24.23 38.77
  Ultima Bank Minnesota Winger commercial 2.63 2.51 172,875 29.26 45.84
  Welcome State Bank Minn. commercial 2.63 2.38 25,479 24.77 46.95
79 Citizens State Bank Okemah, Okla. commercial 2.62 2.00 348,452 30.07 75.24
80 Intercredit Bank Miami commercial 2.61 0.08 348,359 28.44 81.85
  Peoples Bank Lawrence, Kan. commercial 2.61 1.53 462,149 26.07 82.02
  Security Bank Tulsa, Okla. commercial 2.61 2.82 482,714 23.04 38.01
83 First Community Bank Santa Rosa, Calif. commercial 2.60 2.33 963,472 24.63 37.20
84 Bank of Hydro Okla. commercial 2.59 2.41 127,217 30.30 42.30
  Peoples State Bank Cherryvale, Kan. commercial 2.59 4.29 18,625 10.88 55.57
  Waggoner National Bank of Vernon Texas commercial 2.59 2.83 271,542 19.35 43.78
  Heritage State Bank Lawrenceville, Ill. commercial 2.59 2.60 81,217 25.04 50.79
88 Commercial State Bank of Wagner S.D. commercial 2.58 2.56 147,177 23.01 34.28
  Home Bank of California San Diego commercial 2.58 3.08 124,025 14.16 45.06
  Yellowstone Bank Laurel, Mont. commercial 2.58 2.70 672,816 16.51 41.64
91 Coffee County Bank Manchester, Tenn. commercial 2.57 2.56 139,034 20.47 46.53
  Kearny County Bank Lakin, Kan. commercial 2.57 1.98 189,379 15.14 44.29
  Security State Bank Cheyenne, Okla. commercial 2.57 2.24 187,417 19.93 39.12
  Security State Bank Sutherland, Iowa commercial 2.57 2.62 111,784 28.21 34.97
95 Great Plains National Bank Elk City, Okla. commercial 2.56 3.09 552,526 26.98 70.82
96 Hodge Bank & Trust Co. La. commercial 2.55 2.39 66,697 15.96 46.52
97 Bank of England Ark. commercial 2.54 1.76 353,890 24.23 86.38
  Magnolia Bank Hodgenville, Ky. commercial 2.54 1.35 166,509 24.00 79.86
  Security State Bank of Kenyon Minn. commercial 2.54 0.64 54,648 24.10 53.50
100 Ruby Valley National Bank Twin Bridges, Mont. commercial 2.53 1.82 91,456 17.62 51.24
101 HNB National Bank Hannibal, Mo. commercial 2.52 2.17 391,063 19.73 49.96
  Marion County State Bank Pella, Iowa commercial 2.52 2.10 280,785 22.48 40.47
  Vermillion State Bank Minn. commercial 2.52 2.39 529,622 19.92 27.77
104 Community Bank of the South Smyrna, Ga. commercial 2.51 1.39 368,675 25.83 56.30
  Morris Bank Dublin, Ga. commercial 2.51 2.46 549,916 23.08 53.30
  Plains Commerce Bank Hoven, S.D. commercial 2.51 2.64 588,109 19.04 57.46
107 1st Bank & Trust Broken Bow, Okla. commercial 2.50 2.57 130,736 29.51 46.91
  Lowry State Bank Minn. commercial 2.50 2.71 46,871 25.64 51.08
109 EvaBank Cullman, Ala. commercial 2.48 2.82 344,662 14.77 36.65
  First State Bank Shallowater, Texas commercial 2.48 1.67 83,844 16.12 50.54
  NewFirst National Bank El Campo, Texas commercial 2.48 2.00 600,820 24.18 55.90
112 Bank of Alma Wis. commercial 2.47 2.24 217,518 6.05 16.50
  First Bank Burkburnett, Texas commercial 2.47 2.20 342,572 26.59 68.00
  First Bank of Owasso Okla. commercial 2.47 2.09 260,580 19.76 49.31
  State Bank Hoxie, Kan. commercial 2.47 2.32 146,620 20.58 41.10
116 Peoples State Bank Summit, S.D. commercial 2.46 2.95 63,471 21.54 44.02
117 Bank of Okolona Miss. commercial 2.45 2.17 158,443 21.33 58.50
  Equitable Co-operative Bank Lynn, Mass. cooperative 2.45 0.27 104,866 21.58 74.09
  Farmers and Merchants State Bank of Pierz Minn. commercial 2.45 2.19 176,536 23.49 46.19
  First National Bank Fabens, Texas commercial 2.45 2.72 343,128 23.09 50.38
  First State Bank Scottsbluff, Neb. commercial 2.45 2.28 252,453 25.80 45.95
  Goodfield State Bank Ill. commercial 2.45 2.24 99,056 20.10 52.25
123 First National Bank of Picayune Miss. commercial 2.44 2.45 205,351 18.40 51.08
  Points West Community Bank Julesburg, Colo. commercial 2.44 2.60 220,547 24.74 42.81
  Quail Creek Bank Oklahoma City commercial 2.44 2.06 563,810 24.44 46.50
  St. Clair State Bank Inc. Minn. commercial 2.44 2.28 81,933 19.53 31.55
127 Bank of Deerfield Wis. commercial 2.43 2.45 128,994 18.81 51.73
  Bank of Eastman Ga. commercial 2.43 0.00 182,183 33.15 61.68
  Farmers State Bank Hosmer, S.D. commercial 2.43 2.36 19,850 16.55 57.80
  First Federal Savings and Loan Bank Olathe, Kan. commercial 2.43 2.17 77,739 22.44 40.00
  Metro City Bank Doraville, Ga. commercial 2.43 2.20 665,496 19.88 39.17
  Nodaway Valley Bank Maryville, Mo. commercial 2.43 2.39 827,988 19.11 48.42
  Pacific Alliance Bank Rosemead, Calif. commercial 2.43 0.28 258,272 23.76 40.47
  Provincial Bank Lakeville, Minn. commercial 2.43 1.24 82,749 22.25 67.84
135 Bank of Cherokee County Hulbert, Okla. commercial 2.42 0.65 105,362 29.77 56.11
136 Bank of Hemet Riverside, Calif. commercial 2.41 2.73 633,444 24.59 47.08
  First National Bank & Trust of Elk City Okla. commercial 2.41 2.17 314,885 22.14 41.30
  Payne County Bank Perkins, Okla. commercial 2.41 2.37 157,001 13.38 50.49
139 Guaranty Bank & Trust Co. of Delhi La. commercial 2.39 2.23 198,404 27.44 53.19
  Murphy Bank Fresno, Calif. commercial 2.39 2.76 217,154 21.42 45.57
  State Bank of De Kalb Texas commercial 2.39 2.25 181,220 20.01 51.51
142 Bank of Baker Mont. commercial 2.38 1.90 158,037 26.11 40.18
  Farmers and Merchants State Bank of Blooming Prairie Minn. commercial 2.38 1.91 77,918 27.35 48.89
  Security Bank USA Bemidji, Minn. commercial 2.38 2.03 130,875 26.31 54.97
145 Brunswick State Bank Neb. commercial 2.37 2.48 99,781 24.57 41.37
146 Farmers Bank Ault, Colo. commercial 2.36 1.70 219,029 19.10 47.50
147 Bank of Newington Ga. commercial 2.35 1.62 86,875 27.71 67.04
  United Farmers State Bank Adams, Minn. commercial 2.35 2.26 142,224 20.34 39.81
149 Columbia Bank Lake City, Fla. commercial 2.34 -0.13 177,410 21.86 96.51
  Freedom Bank Huntingburg, Ind. commercial 2.34 2.38 358,530 23.18 41.39
151 Bank of the West Thomas, Okla. commercial 2.32 2.39 134,625 19.72 53.41
  Campbell County Bank Inc. Herreid, S.D. commercial 2.32 2.31 105,699 14.70 43.92
  Verus Bank of Commerce Fort Collins, Colo. commercial 2.32 2.17 277,069 15.32 26.04
154 Bank of Buffalo Ky. commercial 2.31 2.72 74,373 21.15 41.36
  Flagler Bank West Palm Beach, Fla. commercial 2.31 1.91 195,011 24.97 45.64
  High Plains Bank Keyes, Okla. commercial 2.31 2.18 78,842 20.19 48.30
  Luana Savings Bank Iowa commercial 2.31 2.18 749,203 24.89 30.87
  Wells Bank of Platte City Mo. commercial 2.31 2.37 129,587 25.61 46.18
159 First Home Bank Seminole, Fla. commercial 2.30 0.70 100,299 28.43 54.98
  First Intercontinental Bank Doraville, Ga. commercial 2.30 2.18 317,353 15.49 55.73
  TransCapital Bank Sunrise, Fla. commercial 2.30 1.67 179,720 15.09 30.71
162 Coleman County State Bank Texas commercial 2.29 2.29 107,704 22.57 57.54
  First National Bank of Bemidji Minn. commercial 2.29 2.18 640,336 16.08 46.00
  First National Bank of Las Animas Colo. commercial 2.29 2.37 322,030 20.15 47.98
  Town and Country Bank Midwest Quincy, Ill. commercial 2.29 4.04 170,410 21.92 68.97
166 Basile State Bank La. commercial 2.28 2.16 55,799 21.83 60.54
  Teton Banks Fairfield, Mont. commercial 2.28 1.46 207,747 19.56 44.21
168 Commercial Capital Bank Delhi, La. commercial 2.27 2.42 78,906 17.55 56.80
  Farmers Bank and Trust Co. Blytheville, Ark. commercial 2.27 2.67 455,205 23.85 49.45
  First Eagle Bank Chicago commercial 2.27 2.02 482,065 15.73 39.87
  Heartland State Bank Redfield, S.D. commercial 2.27 1.84 77,799 19.86 53.88
  Peoples State Bank McDonald, Kan. commercial 2.27 2.17 134,696 25.44 47.63
  Peoples State Bank & Trust Baxley, Ga. commercial 2.27 2.15 81,563 18.94 51.72
  Randall State Bank Minn. commercial 2.27 1.73 37,332 17.41 55.97
175 Bellevue State Bank Iowa commercial 2.26 2.03 91,097 16.85 44.06
  City Savings Bank & Trust Co. DeRidder, La. commercial 2.26 2.32 308,266 21.43 57.38
  Morris State Bank Okla. commercial 2.26 2.51 75,194 28.08 54.94
  State Bank of Geneva Ill. commercial 2.26 0.12 83,363 24.03 218.54
179 Bank of Galesville Wis. commercial 2.25 1.51 95,457 13.43 56.69
  Drake Bank St. Paul, Minn. commercial 2.25 1.71 88,043 20.25 61.50
  First State Bank Valliant, Okla. commercial 2.25 1.89 45,604 20.01 91.13
  Petersburg State Bank Neb. commercial 2.25 1.60 39,386 25.97 47.05
183 Bank of Tescott Kan. commercial 2.24 2.03 331,188 17.57 47.59
  Crowell State Bank Texas commercial 2.24 1.84 34,994 22.48 54.63
  First National Bank of Hughes Springs Texas commercial 2.24 2.58 240,772 15.45 50.54
  Preston National Bank Dallas commercial 2.24 1.94 65,127 16.30 64.66
187 Bank of Geneva Ind. commercial 2.23 2.39 219,506 19.35 52.15
  Bloomsdale Bank Mo. commercial 2.23 2.23 214,452 22.14 46.79
  Exchange Bank and Trust Co. Perry, Okla. commercial 2.23 2.33 277,024 22.20 51.14
  Peoples State Bank Blair, Okla. commercial 2.23 1.37 15,462 22.63 65.91
191 Cumberland Security Bank Inc. Somerset, Ky. commercial 2.22 2.44 168,412 16.59 56.99
  Farmers Trust & Savings Bank Williamsburg, Iowa commercial 2.22 2.15 139,076 10.32 44.12
193 First Northern Bank of Wyoming Buffalo commercial 2.21 1.58 283,069 23.25 58.45
  Midwest Bank Detroit Lakes, Minn. commercial 2.21 2.30 361,577 23.24 50.60
  Tri-County Trust Co. Glasgow, Mo. commercial 2.21 2.02 53,826 19.73 46.90
196 Bank of Hazlehurst Ga. commercial 2.20 2.10 119,714 16.65 50.73
  Citizens State Bank Anton, Texas commercial 2.20 1.03 31,415 25.91 63.38
  First Missouri State Bank Poplar Bluff commercial 2.20 2.15 165,069 19.51 47.01
  McIntosh County Bank Ashley, N.D. commercial 2.20 2.53 92,474 20.49 46.20
  Sound Banking Co. Tacoma, Wash. commercial 2.20 2.04 48,721 22.58 55.43

Note: Independent banks and thrifts operating as of Nov. 23, 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

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