Community Banks with the Highest Returns on Average Assets

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Community Banks with the Highest Returns on Average Assets
Rank Company City State Type of charter Return on
average assets
4Q 2020
Return on
average assets
4Q 2019
Total
assets
Return on
average equity
Efficiency
ratio
1 One American Bank Sioux Falls S.D. Commercial Bank 17.33 0.54 $511,180 147.98 52.86
2 Magnolia Bank, Inc. Magnolia Ky. Commercial Bank 12.42 2.52 519,757 110.38 65.46
3 Bank of England England Ark. Commercial Bank 9.27 2.72 592,196 66.62 79.10
4 Willamette Valley Bank Salem Ore. Commercial Bank 8.75 4.69 394,918 61.70 60.90
5 Brazos National Bank Richwood Tex. Commercial Bank 8.08 2.95 41,651 29.08 74.07
6 University Bank Ann Arbor Mich. Commercial Bank 7.18 1.47 552,164 74.10 69.28
7 First Community Bank of Tennessee Shelbyville Tenn. Commercial Bank 5.72 1.39 809,639 44.96 63.07
8 Midwest Community Bank Freeport Ill. Commercial Bank 5.60 2.51 412,072 63.01 68.45
9 Paramount Bank Saint Louis Mo. Commercial Bank 5.25 0.36 237,872 63.13 74.22
10 United Bank of Philadelphia Philadelphia Pa. Commercial Bank 5.05 -3.19 55,570 66.37 57.27
11 Crockett National Bank San Antonio Tex. Commercial Bank 5.04 2.63 757,159 37.17 58.79
12 Spring Valley Bank Wyoming Ohio Commercial Bank 4.98 4.82 93,119 12.94 24.64
13 Fidelity Bank West Des Moines Iowa Commercial Bank 4.75 1.14 112,254 39.19 71.55
14 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 4.70 5.34 325,696 47.98 86.13
15 FinWise Bank Murray Utah Commercial Bank 4.54 7.16 314,522 33.85 50.01
16 Allied First Bank,sb Oswego Ill. Savings Bank 4.47 3.43 146,338 37.37 92.00
17 Central Bank of Kansas City Kansas City Mo. Commercial Bank 4.39 5.80 296,918 30.69 54.54
18 Flanagan State Bank Flanagan Ill. Commercial Bank 4.18 1.68 229,320 37.62 75.55
19 Chickasaw Community Bank Oklahoma City Okla. Commercial Bank 4.02 1.24 293,241 38.24 57.86
20 Lake Area Bank Lindstrom Minn. Commercial Bank 3.68 1.54 442,475 32.38 61.90
21 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 3.60 2.77 403,491 41.98 38.09
22 Yellowstone Bank Laurel Mont. Commercial Bank 3.48 3.19 952,870 20.68 36.67
23 Peoples Bank Mendenhall Miss. Commercial Bank 3.47 2.54 393,586 35.53 53.98
24 Texas Bank Financial Weatherford Tex. Commercial Bank 3.43 2.36 554,239 33.84 53.16
25 State Bank of Texas Dallas Tex. Commercial Bank 3.40 4.67 976,977 21.38 27.45
26 Crown Bank Elizabeth N.J. Commercial Bank 3.35 4.04 525,646 15.87 41.20
27 Bank of Old Monroe Old Monroe Mo. Commercial Bank 3.34 2.29 502,037 22.32 43.57
28 First State Bank of St. Charles, Missouri Saint Charles Mo. Commercial Bank 3.32 1.70 489,510 25.51 71.28
HNB National Bank Hannibal Mo. Commercial Bank 3.32 2.64 622,678 26.27 40.75
30 Town and Country Bank Midwest Quincy Ill. Commercial Bank 3.28 2.15 197,353 26.43 39.98
31 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 3.23 3.47 510,145 30.93 42.68
32 Nebraska State Bank Oshkosh Neb. Commercial Bank 3.20 4.08 61,053 20.35 45.69
33 Charter West Bank West Point Neb. Commercial Bank 3.13 1.93 357,399 31.63 70.66
34 Bank of Montana Missoula Mont. Commercial Bank 3.11 2.38 165,424 34.59 43.86
Peoples State Bank Cherryvale Kan. Commercial Bank 3.11 1.84 17,638 11.72 45.64
36 Apex Bank Camden Tenn. Commercial Bank 3.06 3.98 904,999 24.59 37.74
37 Charter Bank Corpus Christi Tex. Commercial Bank 3.05 3.65 329,212 28.23 47.46
38 First Credit Bank Los Angeles Calif. Commercial Bank 3.04 2.48 439,042 6.89 26.91
39 Goodfield State Bank Goodfield Ill. Commercial Bank 2.99 2.15 158,528 24.13 45.44
40 Bank of Mauston Mauston Wis. Commercial Bank 2.97 2.84 347,353 22.51 36.97
41 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 2.94 3.00 257,465 22.27 42.75
42 First Bank Burkburnett Tex. Commercial Bank 2.92 2.25 536,603 26.85 63.55
Florida Capital Bank, N.A. Jacksonville Fla. Commercial Bank 2.92 1.59 475,591 28.54 64.07
44 Peoples Community Bank Greenville Mo. Commercial Bank 2.89 3.02 553,302 16.23 38.83
45 Envision Bank Stoughton Mass. Savings Bank 2.88 0.54 722,995 24.72 62.36
46 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.86 2.33 762,020 27.33 54.29
47 Bank of Deerfield Deerfield Wis. Commercial Bank 2.84 2.05 175,798 23.54 45.39
48 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.81 2.43 288,813 31.18 38.76
49 First State Bank Elmore City Okla. Commercial Bank 2.75 2.50 20,203 24.03 89.66
50 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.72 2.52 59,540 29.37 45.77
51 American Interstate Bank Elkhorn Neb. Commercial Bank 2.71 3.23 113,748 14.26 38.55
Bippus State Bank Huntington Ind. Commercial Bank 2.71 2.04 220,130 24.30 50.48
53 Douglas National Bank Douglas Ga. Commercial Bank 2.69 3.14 221,490 24.32 47.72
54 North Valley Bank Thornton Colo. Commercial Bank 2.68 2.84 203,754 22.66 46.40
55 Quantum National Bank Suwanee Ga. Commercial Bank 2.66 3.08 608,173 25.77 44.00
56 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 2.65 0.93 80,035 29.09 54.67
57 First Bank of Owasso Owasso Okla. Commercial Bank 2.63 2.20 511,577 25.10 39.60
58 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 2.60 2.92 97,584 21.06 30.69
59 Valor Bank Edmond Okla. Commercial Bank 2.59 1.73 138,961 32.24 64.91
60 Bank of Alma Alma Wis. Commercial Bank 2.58 3.06 286,183 6.27 11.90
61 State Bank of Wheaton Wheaton Minn. Commercial Bank 2.54 2.90 99,894 10.75 39.58
62 1st National Bank Lebanon Ohio Commercial Bank 2.51 0.77 259,629 31.14 66.37
63 Riverstone Bank Eagle Neb. Commercial Bank 2.50 -0.02 118,620 35.00 37.72
Vantage Bank Kent Minn. Commercial Bank 2.50 1.07 42,044 27.08 56.43
65 Grant County State Bank Swayzee Ind. Commercial Bank 2.49 2.57 224,296 21.08 30.17
NewFirst National Bank El Campo Tex. Commercial Bank 2.49 2.80 844,639 22.78 49.10
67 EvaBank Cullman Ala. Commercial Bank 2.48 2.55 433,518 9.22 38.52
68 Community Bank Topeka Kan. Commercial Bank 2.47 1.63 134,993 25.97 44.25
State Bank of New Richland New Richland Minn. Commercial Bank 2.47 2.22 111,869 24.59 41.81
70 Bank of Cordell Cordell Okla. Commercial Bank 2.44 2.33 37,732 21.19 64.22
First National Bank of Picayune Picayune Miss. Commercial Bank 2.44 2.71 242,323 16.92 51.46
72 Brighton Bank Salt Lake City Utah Commercial Bank 2.43 2.69 269,430 22.28 49.34
Community Bank of Easton Easton Ill. Commercial Bank 2.43 2.79 43,018 11.55 21.29
74 Coffee County Bank Manchester Tenn. Commercial Bank 2.42 2.37 230,023 21.10 44.91
75 Bluff View Bank Galesville Wis. Commercial Bank 2.40 1.81 123,478 12.59 56.03
Roundbank Waseca Minn. Commercial Bank 2.40 1.76 385,394 20.83 58.66
77 Elysian Bank Elysian Minn. Commercial Bank 2.39 2.09 57,565 21.35 53.76
Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.39 2.18 328,429 16.14 38.20
79 Bank of Hemet Riverside Calif. Commercial Bank 2.38 2.68 898,499 22.35 40.67
West Gate Bank Lincoln Neb. Commercial Bank 2.38 1.61 912,511 23.50 54.81
81 Bank Northwest Hamilton Mo. Commercial Bank 2.37 2.34 201,326 27.02 44.41
Sherburne State Bank Becker Minn. Commercial Bank 2.37 1.65 185,991 31.14 43.99
83 Wells Bank Platte City Mo. Commercial Bank 2.36 2.26 293,261 25.23 45.76
84 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.35 2.22 100,213 21.14 53.29
85 Community Bank Longview Tex. Commercial Bank 2.34 2.51 237,243 20.57 41.96
First State Bank Louise Tex. Commercial Bank 2.34 2.40 604,965 25.75 51.54
87 ESB Bank Caledonia Minn. Commercial Bank 2.33 1.62 133,374 23.50 45.64
88 Dundee Bank Omaha Neb. Commercial Bank 2.32 1.21 370,401 25.45 55.56
89 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.31 2.59 651,988 19.37 32.86
90 BLC Community Bank Little Chute Wis. Commercial Bank 2.30 1.51 329,664 20.11 43.96
First Bank of Berne Berne Ind. Commercial Bank 2.30 2.15 905,570 23.20 45.68
First Eagle Bank Chicago Ill. Commercial Bank 2.30 2.48 585,612 12.55 38.97
93 First National Bank of Bangor Bangor Wis. Commercial Bank 2.29 2.59 271,574 7.54 23.60
94 CNB Bank Carlsbad N.M. Commercial Bank 2.28 2.04 498,276 24.89 50.07
First Bank Erick Okla. Commercial Bank 2.28 2.43 85,259 18.33 56.70
96 Austin Capital Bank SSB Austin Tex. Savings Bank 2.26 0.84 291,816 28.02 83.23
Park State Bank Duluth Minn. Commercial Bank 2.26 1.90 222,965 22.35 49.80
98 Citizens Bank, National Association Abilene Tex. Commercial Bank 2.24 2.06 117,005 17.10 50.63
99 Bank of Advance Advance Mo. Commercial Bank 2.23 2.28 382,027 17.30 51.97
Security State Bank Sutherland Iowa Commercial Bank 2.23 2.59 262,220 21.85 37.77
101 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 2.22 1.79 119,665 20.12 43.38
102 First State Bank Gothenburg Neb. Commercial Bank 2.21 1.60 701,030 18.92 39.19
Riverside Bank Sparkman Ark. Commercial Bank 2.21 2.34 61,327 24.44 54.97
104 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.19 2.42 79,566 13.76 50.18
First State Bank of Beecher City Beecher City Ill. Commercial Bank 2.19 2.20 85,274 15.44 48.53
Genesee Regional Bank Rochester N.Y. Commercial Bank 2.19 1.50 751,390 20.44 45.78
107 First National Bank of Las Animas Las Animas Colo. Commercial Bank 2.18 2.50 489,376 17.64 48.49
108 Citizens State Bank Miles Tex. Commercial Bank 2.17 2.30 168,674 22.69 47.27
Millennium Bank Des Plaines Ill. Commercial Bank 2.17 2.67 224,726 20.17 57.80
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.17 2.50 438,288 24.08 48.98
111 St. Henry Bank Saint Henry Ohio Commercial Bank 2.15 2.40 357,259 14.84 39.83
112 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 2.14 2.07 953,506 20.80 56.23
Commercial State Bank of Wagner Wagner S.D. Commercial Bank 2.14 1.99 198,358 19.57 43.77
Oklahoma State Bank Buffalo Okla. Commercial Bank 2.14 2.64 59,497 21.46 56.09
TexasBank Brownwood Tex. Commercial Bank 2.14 2.51 613,834 17.07 55.40
116 Arcadian Bank Hartland Minn. Commercial Bank 2.13 1.82 170,489 17.93 52.18
Bank of Milton Milton Wis. Commercial Bank 2.13 1.29 164,826 22.21 46.55
Freedom Bank Huntingburg Ind. Commercial Bank 2.13 2.17 507,772 20.58 40.34
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.13 2.37 417,094 16.14 39.95
PrinsBank Prinsburg Minn. Commercial Bank 2.13 3.53 177,407 15.25 54.34
United Farmers State Bank Adams Minn. Commercial Bank 2.13 1.86 166,611 17.86 46.44
122 Kentucky Farmers Bank Corporation Ashland Ky. Commercial Bank 2.12 1.72 237,227 10.10 57.03
North Shore Bank of Commerce Duluth Minn. Commercial Bank 2.12 1.65 362,523 22.39 69.99
124 Bank of Elgin Elgin Neb. Commercial Bank 2.11 2.30 64,100 14.22 50.77
Farmers and Merchants State Bank Langdon N.D. Commercial Bank 2.11 2.15 126,440 14.12 42.06
126 Coleman County State Bank Coleman Tex. Commercial Bank 2.10 2.27 147,029 22.57 62.15
Colorado Bank and Trust Company of La Junta La Junta Colo. Commercial Bank 2.10 1.90 181,260 21.14 52.45
Main Street Bank Bingham Farms Mich. Commercial Bank 2.10 0.38 322,996 15.14 66.09
Pine Island Bank Pine Island Minn. Commercial Bank 2.10 2.07 118,774 19.76 44.19
Tolleson Private Bank Dallas Tex. Commercial Bank 2.10 2.60 704,567 24.93 46.88
Ultima Bank Minnesota Winger Minn. Commercial Bank 2.10 2.26 196,579 20.63 58.38
132 Kearny County Bank Lakin Kan. Commercial Bank 2.09 2.32 239,661 12.56 54.65
133 Bank of Prague Prague Neb. Commercial Bank 2.08 2.44 31,511 14.78 59.73
134 First State Bank Farnam Neb. Commercial Bank 2.07 1.61 146,366 14.71 52.79
Murphy Bank Fresno Calif. Commercial Bank 2.07 1.72 318,892 18.46 47.89
Peoples Bank of the South La Follette Tenn. Commercial Bank 2.07 1.94 179,466 16.50 56.53
Security Bank USA Bemidji Minn. Commercial Bank 2.07 1.79 189,051 23.91 60.18
138 Bank of Salem Salem Ark. Commercial Bank 2.06 1.49 165,615 19.26 54.26
139 Citizens Bank of Edina Edina Mo. Commercial Bank 2.05 2.11 80,547 16.72 38.92
F & C Bank Holden Mo. Commercial Bank 2.05 2.10 265,441 19.44 56.59
Legacy Bank & Trust Company Rogersville Mo. Commercial Bank 2.05 1.38 538,271 24.05 43.01
142 First State Bank Scottsbluff Neb. Commercial Bank 2.04 2.25 356,760 21.71 52.67
Home Bank of California San Diego Calif. Commercial Bank 2.04 2.74 201,935 16.13 47.09
HomeBank Texas Seagoville Tex. Commercial Bank 2.04 2.11 256,688 20.34 51.02
145 Brighton Bank Brighton Tenn. Commercial Bank 2.03 0.10 54,978 29.83 81.46
Farmers and Merchants Bank Maysville Okla. Commercial Bank 2.03 2.30 19,825 25.62 60.25
First Community Bank Milton Wis. Commercial Bank 2.03 1.71 131,662 20.78 50.86
First National Bank of Eldorado Eldorado Tex. Commercial Bank 2.03 2.70 67,261 11.81 56.92
149 FNB South Alma Ga. Commercial Bank 2.02 2.66 469,136 13.14 42.97
Great American Bank Lawrence Kan. Commercial Bank 2.02 1.90 237,342 14.80 55.95
Grundy Bank Morris Ill. Commercial Bank 2.02 2.31 317,754 19.15 54.22
Horizon Bank Waverly Neb. Commercial Bank 2.02 2.12 375,185 18.02 33.68
North American Banking Company Roseville Minn. Commercial Bank 2.02 2.24 873,941 25.07 49.08
Petefish, Skiles & Co. Virginia Ill. Commercial Bank 2.02 1.40 229,658 15.64 56.05
South Georgia Bank Glennville Ga. Commercial Bank 2.02 2.37 199,974 16.63 55.58
State Bank of Cochran Cochran Ga. Commercial Bank 2.02 2.45 244,644 13.18 56.35
157 Flagler Bank West Palm Beach Fla. Commercial Bank 2.01 1.62 400,937 20.78 43.19
158 Bank of Hydro Hydro Okla. Commercial Bank 2.00 2.64 130,788 17.50 54.95
Bank of St. Elizabeth Saint Elizabeth Mo. Commercial Bank 2.00 1.98 184,463 17.56 59.55
Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 2.00 1.85 951,710 22.85 54.28
Edmonton State Bank Edmonton Ky. Commercial Bank 2.00 2.11 653,299 14.54 55.54
First National Bank of Hughes Springs Hughes Springs Tex. Commercial Bank 2.00 2.31 324,380 16.33 60.38
Western State Bank Garden City Kan. Commercial Bank 2.00 2.06 566,889 16.33 49.31
164 Heartland Bank Somers Iowa Commercial Bank 1.99 2.17 178,114 14.97 51.94
Hodge Bank & Trust Company Hodge La. Commercial Bank 1.99 2.85 81,184 11.17 48.68
Idabel National Bank Idabel Okla. Commercial Bank 1.99 2.05 153,418 19.19 47.90
Regional Missouri Bank Marceline Mo. Commercial Bank 1.99 1.80 446,583 17.14 49.44
Utah Independent Bank Salina Utah Commercial Bank 1.99 2.74 112,905 14.95 59.04
169 Fidelity Bank Edina Minn. Commercial Bank 1.98 2.12 859,978 14.64 49.50
Patriot Bank Millington Tenn. Commercial Bank 1.98 1.16 450,766 21.00 56.09
171 First Bank, Upper Michigan Gladstone Mich. Commercial Bank 1.97 1.86 528,022 15.11 57.34
National Bank of Andrews Andrews Tex. Commercial Bank 1.97 2.82 238,110 19.55 60.52
Security Bank Laurel Neb. Commercial Bank 1.97 1.45 264,532 15.36 60.60
Twin River Bank Lewiston Idaho Commercial Bank 1.97 1.94 119,205 22.57 57.28
Union Bank of Mena Mena Ark. Commercial Bank 1.97 2.04 316,588 18.92 54.55
176 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 1.96 2.04 99,996 24.84 56.33
Jonah Bank of Wyoming Casper Wyo. Commercial Bank 1.96 1.49 458,035 21.01 49.49
State Bank of De Kalb De Kalb Tex. Commercial Bank 1.96 1.88 335,622 19.87 57.82
179 Fisher National Bank Fisher Ill. Commercial Bank 1.95 1.96 153,268 14.72 55.45
Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 1.95 2.18 318,116 25.18 58.52
Ixonia Bank Ixonia Wis. Commercial Bank 1.95 0.66 522,517 17.84 78.05
Premier Bank Rock Valley Iowa Commercial Bank 1.95 2.05 564,732 16.21 38.00
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 1.95 2.22 96,532 17.28 58.32
184 Bank of Lake Mills Lake Mills Wis. Commercial Bank 1.94 1.90 261,622 15.62 63.50
Bellevue State Bank Bellevue Iowa Commercial Bank 1.94 2.18 140,152 13.43 38.81
Manufacturers Bank & Trust Company Forest City Iowa Commercial Bank 1.94 2.02 417,490 14.15 56.00
Town-Country National Bank Camden Ala. Commercial Bank 1.94 2.13 126,209 10.40 59.52
Union Bank & Trust Company Livingston Tenn. Commercial Bank 1.94 2.20 96,532 15.76 51.80
189 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 1.93 2.17 473,944 23.60 50.77
Heartland State Bank Redfield S.D. Commercial Bank 1.93 1.74 97,492 17.22 58.15
Main Bank Albuquerque N.M. Commercial Bank 1.93 2.02 208,102 24.65 44.74
192 Campbell County Bank, Inc. Herreid S.D. Commercial Bank 1.92 1.97 132,637 12.24 50.09
Citizens State Bank Marysville Kan. Commercial Bank 1.92 2.25 371,446 18.29 39.37
Security State Bank of Fergus Falls Fergus Falls Minn. Commercial Bank 1.92 1.44 152,502 18.00 50.06
Security State Bank of Oklahoma Wewoka Okla. Commercial Bank 1.92 1.90 284,304 15.82 42.96
196 Farmers & Stockmens Bank Clayton N.M. Commercial Bank 1.91 2.08 460,442 19.01 69.46
First National Bank & Trust of Elk City Elk City Okla. Commercial Bank 1.91 1.97 301,489 14.76 51.58
First State Bank Boise City Okla. Commercial Bank 1.91 1.53 94,641 23.18 54.19
HomeTown Bank Redwood Falls Minn. Commercial Bank 1.91 1.48 470,071 18.41 53.57
200 Kinmundy Bank Kinmundy Ill. Commercial Bank 1.90 2.05 54,833 14.12 47.13

Note: Independent banks and thrifts operating as of Feb. 19, 2021 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.

© 2021 American Banker

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