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Community banking

Community Banks with the Highest Returns on Average Assets

February 22, 2022, 12:42 p.m. EST 1 Min Read
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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 2021		 Return on
average assets
4Q 2020		 Total
assets		 Return on
average equity		 Efficiency
ratio
1 FinWise Bank Murray Utah Commercial Bank 9.43 4.54 $373,830 56.31 35.89
2 Willamette Valley Bank Salem Ore. Commercial Bank 5.90 8.75 407,850 33.55 66.66
3 Brazos National Bank Richwood Tex. Commercial Bank 5.88 8.08 28,767 14.77 81.44
4 Peoples Bank Mendenhall Miss. Commercial Bank 5.25 3.47 431,628 52.49 51.63
5 First Security Bank and Trust Company Oklahoma City Okla. Commercial Bank 5.23 0.68 61,252 52.63 46.25
6 Midwest Community Bank Freeport Ill. Commercial Bank 4.99 5.60 331,935 45.04 72.33
7 University Bank Ann Arbor Mich. Commercial Bank 4.92 7.14 488,411 43.63 73.38
8 Central Bank of Kansas City Kansas City Mo. Commercial Bank 4.78 4.39 310,782 37.60 59.22
9 Crockett National Bank San Antonio Tex. Commercial Bank 4.73 5.04 631,706 34.92 49.41
10 Bank of England England Ark. Commercial Bank 4.66 9.27 547,610 29.29 86.25
11 Riverstone Bank Eagle Neb. Commercial Bank 4.49 2.50 494,059 61.73 28.12
12 Spring Valley Bank Wyoming Ohio Commercial Bank 3.91 4.98 86,127 10.78 33.19
13 The First State Bank Abernathy Tex. Commercial Bank 3.84 1.12 55,969 34.79 64.00
14 First Credit Bank Los Angeles Calif. Commercial Bank 3.83 3.04 484,000 8.40 17.93
15 Apex Bank Camden Tenn. Commercial Bank 3.77 3.06 971,477 28.23 31.43
16 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 3.72 2.60 93,413 26.78 20.35
17 Nebraska State Bank Oshkosh Neb. Commercial Bank 3.70 3.20 68,283 25.33 38.22
18 Union Bank & Trust Company Livingston Tenn. Commercial Bank 3.63 1.94 106,794 32.04 36.91
19 Quantum National Bank Suwanee Ga. Commercial Bank 3.41 2.66 642,022 33.65 42.37
20 Crown Bank Elizabeth N.J. Commercial Bank 3.37 3.35 593,760 15.84 35.20
21 The Bippus State Bank Huntington Ind. Commercial Bank 3.32 2.71 271,336 30.35 44.43
22 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 3.16 3.60 451,795 34.86 41.07
Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 3.16 2.94 280,615 23.80 42.54
24 Charter Bank Corpus Christi Tex. Commercial Bank 3.11 3.05 341,014 31.44 50.79
25 Peoples Community Bank Greenville Mo. Commercial Bank 3.08 2.89 620,687 17.72 37.65
26 First Bank Burkburnett Tex. Commercial Bank 3.07 2.92 608,695 26.62 66.15
27 Texas National Bank Mercedes Tex. Commercial Bank 3.06 1.40 593,232 41.01 43.60
28 Bank of Alma Alma Wis. Commercial Bank 3.03 2.58 291,741 6.86 10.71
29 Continental Bank Salt Lake City Utah Commercial Bank 3.01 1.52 220,057 25.26 54.49
30 Millennium Bank Des Plaines Ill. Commercial Bank 2.99 2.17 283,227 27.88 46.97
31 New Century Bank Belleville Kan. Commercial Bank 2.98 1.36 56,481 25.23 59.18
32 Capital Community Bank Provo Utah Commercial Bank 2.97 1.41 522,298 23.77 42.73
33 Ultima Bank Minnesota Winger Minn. Commercial Bank 2.94 2.10 206,464 27.74 50.34
34 Landmark Bank Clinton La. Commercial Bank 2.92 0.64 181,626 27.98 51.26
35 PromiseOne Bank Duluth Ga. Commercial Bank 2.90 1.82 593,492 24.98 40.90
36 Lake Area Bank Lindstrom Minn. Commercial Bank 2.87 3.68 423,563 23.81 77.14
Murphy Bank Fresno Calif. Commercial Bank 2.87 2.07 350,760 25.31 40.01
38 Paradise Bank Boca Raton Fla. Commercial Bank 2.82 1.75 377,712 29.67 53.19
39 The First State Bank Boise City Okla. Commercial Bank 2.81 1.91 105,658 33.09 42.34
40 Dundee Bank Omaha Neb. Commercial Bank 2.80 2.32 479,987 30.94 47.73
NewFirst National Bank El Campo Tex. Commercial Bank 2.80 2.49 909,470 27.28 44.22
The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.80 2.35 120,937 25.81 46.52
43 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 2.79 3.23 573,805 29.21 43.15
44 Bank of Lake Mills Lake Mills Wis. Commercial Bank 2.78 1.94 291,835 20.86 51.16
45 First Bank of Ohio Tiffin Ohio Commercial Bank 2.75 1.42 269,713 8.96 32.09
First Eagle Bank Chicago Ill. Commercial Bank 2.75 2.30 603,692 14.91 35.30
47 EvaBank Cullman Ala. Commercial Bank 2.72 2.48 427,509 9.50 36.94
48 Home Bank of California San Diego Calif. Commercial Bank 2.71 2.04 196,423 21.10 40.75
49 Bank Northwest Hamilton Mo. Commercial Bank 2.70 2.37 205,988 29.94 39.91
First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.70 2.72 75,184 30.94 41.22
51 Peoples State Bank Cherryvale Kan. Commercial Bank 2.69 3.11 17,103 10.19 54.01
52 First National Bank Oldham S.D. Commercial Bank 2.68 1.11 405,074 23.11 49.16
PrinsBank Prinsburg Minn. Commercial Bank 2.68 2.13 195,129 18.77 46.73
The State Exchange Bank Lamont Okla. Commercial Bank 2.68 1.71 84,597 22.99 43.94
55 Bank of Prague Prague Neb. Commercial Bank 2.66 2.08 34,679 20.30 55.57
Prime Alliance Bank Woods Cross Utah Commercial Bank 2.66 0.14 551,705 23.02 24.76
57 BankVista Sartell Minn. Commercial Bank 2.65 1.28 471,597 30.87 41.31
Friend Bank Slocomb Ala. Commercial Bank 2.65 1.59 186,711 29.33 47.43
59 Douglas National Bank Douglas Ga. Commercial Bank 2.63 2.69 257,341 26.74 47.98
NSB Bank Mason City Iowa Commercial Bank 2.63 1.78 438,359 31.77 45.79
61 North Valley Bank Thornton Colo. Commercial Bank 2.62 2.68 225,267 23.39 44.48
62 Coffee County Bank Manchester Tenn. Commercial Bank 2.61 2.42 250,180 23.82 45.79
Nantahala Bank & Trust Company Franklin N.C. Commercial Bank 2.61 0.05 231,595 39.67 77.86
64 Security State Bank Sutherland Iowa Commercial Bank 2.60 2.23 268,983 24.47 33.82
65 Hamlin Bank and Trust Company Smethport Pa. Commercial Bank 2.55 -0.11 462,841 12.65 57.80
66 Bank of Mauston Mauston Wis. Commercial Bank 2.53 2.97 395,626 20.96 38.47
VisionBank Saint Louis Park Minn. Commercial Bank 2.53 1.72 193,108 35.80 37.75
68 The First National Bank of Eldorado Eldorado Tex. Commercial Bank 2.52 2.03 69,050 15.11 55.72
69 Grant County State Bank Swayzee Ind. Commercial Bank 2.51 2.49 274,551 21.08 27.80
Kentucky Farmers Bank Corporation Ashland Ky. Commercial Bank 2.51 2.12 270,868 14.17 46.74
71 HNB National Bank Hannibal Mo. Commercial Bank 2.50 3.32 669,775 20.48 45.34
72 Bank of St. Francisville Saint Francisville La. Commercial Bank 2.49 1.21 223,587 24.43 54.15
73 First State Bank of St. Charles, Missouri Saint Charles Mo. Commercial Bank 2.48 3.32 465,517 16.49 77.65
The First National Bank at Paris Paris Ark. Commercial Bank 2.48 1.85 234,774 19.82 54.29
75 Heartland State Bank Redfield S.D. Commercial Bank 2.47 1.93 120,993 24.48 50.53
The National Bank of Andrews Andrews Tex. Commercial Bank 2.47 1.97 265,243 24.58 58.16
77 Great Plains Bank Eureka S.D. Commercial Bank 2.46 1.71 144,497 19.47 38.33
78 First State Bank Farnam Neb. Commercial Bank 2.44 2.07 168,976 17.59 49.18
FirstBank Antlers Okla. Commercial Bank 2.44 1.82 575,740 24.24 59.21
80 The Bank of Houston Houston Mo. Commercial Bank 2.41 -0.64 51,276 20.14 54.33
The First National Bank of Bangor Bangor Wis. Commercial Bank 2.41 2.29 296,733 8.28 22.92
82 FNB South Alma Ga. Commercial Bank 2.40 2.02 533,395 16.06 43.42
83 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.39 1.95 340,569 28.84 55.05
Main Bank Albuquerque N.M. Commercial Bank 2.39 1.93 252,589 30.15 37.99
The Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.39 2.15 338,328 17.81 45.36
86 The Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 2.38 2.14 970,045 21.90 50.89
87 Embassy National Bank Lawrenceville Ga. Commercial Bank 2.37 0.76 117,791 14.77 61.98
TrustBank Olney Ill. Commercial Bank 2.37 1.58 292,037 22.59 60.66
89 CNB Bank Carlsbad N.M. Commercial Bank 2.36 2.28 501,244 25.33 48.02
T Bank, National Association Dallas Tex. Commercial Bank 2.36 1.78 577,280 18.39 58.44
The Bank of Advance Advance Mo. Commercial Bank 2.36 2.23 410,552 20.08 46.13
92 Bank of Columbia Columbia Ky. Commercial Bank 2.35 1.73 209,113 25.13 48.86
Charter West Bank West Point Neb. Commercial Bank 2.35 3.13 405,261 24.26 73.21
Peoples Bank Lebanon Ky. Commercial Bank 2.35 1.14 99,464 24.83 44.08
95 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 2.34 2.22 136,964 22.72 45.30
The MINT National Bank Kingwood Tex. Commercial Bank 2.34 1.24 346,257 20.80 47.40
97 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 2.33 2.14 243,110 22.70 38.45
98 F & C Bank Holden Mo. Commercial Bank 2.32 2.05 292,718 22.24 53.83
99 Premier Bank Rock Valley Iowa Commercial Bank 2.31 1.95 551,675 18.04 39.17
100 First Community Bank of Tennessee Shelbyville Tenn. Commercial Bank 2.30 5.72 748,340 17.84 78.77
101 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 2.28 2.65 68,377 25.20 54.19
Riverside Bank Sparkman Ark. Commercial Bank 2.28 2.21 62,136 25.01 55.11
103 American Plus Bank, National Association Arcadia Calif. Commercial Bank 2.27 1.45 591,059 14.13 28.49
Brighton Bank Salt Lake City Utah Commercial Bank 2.27 2.43 322,533 22.26 49.75
First Bank Erick Okla. Commercial Bank 2.27 2.28 92,595 22.47 51.33
106 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 2.26 1.59 245,338 25.56 48.77
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 2.26 1.95 108,386 22.34 51.39
108 Freedom Bank Freer Tex. Commercial Bank 2.25 0.91 94,849 19.68 54.27
109 First IC Bank Doraville Ga. Commercial Bank 2.24 1.01 942,129 21.14 47.62
Union Bank & Trust Company Monticello Ark. Commercial Bank 2.24 1.81 279,184 23.88 49.32
111 First Community Bank Milton Wis. Commercial Bank 2.23 2.03 142,972 22.47 48.30
Mid-America Bank Baldwin City Kan. Commercial Bank 2.23 1.68 306,026 22.88 47.69
Platte Valley Bank Torrington Wyo. Commercial Bank 2.23 1.77 571,408 21.98 46.75
114 Bank of George Las Vegas Nev. Commercial Bank 2.22 1.88 620,089 17.62 55.22
Delta Bank Vidalia La. Commercial Bank 2.22 1.69 451,072 27.49 51.33
Durden Banking Company, Incorporated Twin City Ga. Commercial Bank 2.22 1.87 245,490 15.36 55.89
Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 2.22 1.36 319,474 23.18 45.27
Genesee Regional Bank Rochester N.Y. Commercial Bank 2.22 2.19 979,606 21.57 48.82
Goodfield State Bank Goodfield Ill. Commercial Bank 2.22 2.99 177,956 18.96 49.23
Utah Independent Bank Salina Utah Commercial Bank 2.22 1.99 138,727 17.84 52.22
121 Arcadian Bank Hartland Minn. Commercial Bank 2.21 2.13 181,439 16.89 56.60
Citizens State Bank Miles Tex. Commercial Bank 2.21 2.17 205,135 23.98 43.54
ESB Bank Caledonia Minn. Commercial Bank 2.21 2.33 153,762 23.38 43.73
First Arkansas Bank and Trust Jacksonville Ark. Commercial Bank 2.21 1.74 969,700 16.24 66.81
First Bank of Owasso Owasso Okla. Commercial Bank 2.21 2.63 594,664 20.99 42.32
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.21 2.13 423,339 16.64 39.58
State Bank of New Richland New Richland Minn. Commercial Bank 2.21 2.47 113,278 21.25 42.96
The Peoples Bank Magnolia Ark. Commercial Bank 2.21 1.63 213,034 19.70 52.70
The Readlyn Savings Bank Readlyn Iowa Commercial Bank 2.21 1.47 141,679 14.83 44.75
130 BLC Community Bank Little Chute Wis. Commercial Bank 2.20 2.30 317,519 19.25 45.08
CenterBank Milford Ohio Commercial Bank 2.20 1.15 272,037 21.66 51.47
132 Prime Security Bank Karlstad Minn. Commercial Bank 2.19 1.35 107,441 24.19 50.88
Security State Bank of Oklahoma Wewoka Okla. Commercial Bank 2.19 1.92 359,987 17.92 42.45
The Union Bank of Mena Mena Ark. Commercial Bank 2.19 1.97 348,241 21.94 50.56
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.19 2.17 515,780 25.51 50.59
136 Progressive National Bank Mansfield La. Commercial Bank 2.18 0.74 106,870 26.10 54.27
137 Community State Bank Bradley Ark. Commercial Bank 2.17 1.60 32,259 19.52 55.90
Home State Bank Royal Iowa Commercial Bank 2.17 1.63 52,772 7.63 51.07
Horizon Bank Waverly Neb. Commercial Bank 2.17 2.02 340,698 14.94 33.33
Peoples Bank of the South La Follette Tenn. Commercial Bank 2.17 2.07 195,544 18.70 52.99
141 Bank of Salem Salem Ark. Commercial Bank 2.16 2.06 177,399 20.26 53.53
Heartland Bank Somers Iowa Commercial Bank 2.16 1.99 196,378 16.86 51.08
Madison Valley Bank Ennis Mont. Commercial Bank 2.16 1.59 267,437 28.33 59.69
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.16 2.31 745,515 19.69 30.73
Pony Express Bank Liberty Mo. Commercial Bank 2.16 1.66 324,038 24.30 50.29
Security Bank and Trust Company Paris Tenn. Commercial Bank 2.16 1.54 807,285 21.51 43.91
147 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.15 2.86 905,074 23.00 55.58
Flagler Bank West Palm Beach Fla. Commercial Bank 2.15 2.01 497,257 23.40 39.76
Western State Bank Garden City Kan. Commercial Bank 2.15 2.00 625,251 19.10 47.26
150 Security State Bank of Wanamingo, Incorporated Wanamingo Minn. Commercial Bank 2.13 1.28 80,921 17.36 51.82
UniBank Lynnwood Wash. Commercial Bank 2.13 1.71 455,659 13.82 51.56
152 County Bank Sigourney Iowa Commercial Bank 2.12 1.79 206,856 21.33 53.92
First State Bank Gothenburg Neb. Commercial Bank 2.12 2.21 858,139 19.47 40.12
154 Tolleson Private Bank Dallas Tex. Commercial Bank 2.11 2.10 972,280 26.76 44.84
155 Community Bank of Easton Easton Ill. Commercial Bank 2.10 2.43 42,360 9.84 23.44
International Bank of Chicago Chicago Ill. Commercial Bank 2.10 0.64 890,158 19.26 45.26
Oklahoma State Bank Buffalo Okla. Commercial Bank 2.10 2.14 59,065 21.44 58.28
State Savings Bank Creston Iowa Commercial Bank 2.10 1.53 148,736 22.45 47.47
The Bank of Deerfield Deerfield Wis. Commercial Bank 2.10 2.84 182,773 17.42 50.78
160 First Independent Bank Russell Minn. Commercial Bank 2.09 1.31 431,359 20.35 46.54
Freedom Bank Huntingburg Ind. Commercial Bank 2.09 2.13 548,497 19.97 40.60
Security State Bank Cheyenne Okla. Commercial Bank 2.09 1.32 246,060 17.20 48.23
163 American Pride Bank Macon Ga. Commercial Bank 2.08 0.45 231,533 15.00 59.53
Coleman County State Bank Coleman Tex. Commercial Bank 2.08 2.10 178,849 24.12 63.53
Commerce Bank Corinth Miss. Commercial Bank 2.08 1.21 155,560 19.39 55.28
Community Bank Longview Tex. Commercial Bank 2.08 2.34 258,763 18.77 43.98
United Citizens Bank of Southern Kentucky, Inc. Columbia Ky. Commercial Bank 2.08 1.71 188,103 16.21 48.30
168 Great American Bank Lawrence Kan. Commercial Bank 2.07 2.02 276,999 15.78 54.50
One World Bank Dallas Tex. Commercial Bank 2.07 0.83 138,791 16.06 59.01
Platinum Bank Oakdale Minn. Commercial Bank 2.07 1.52 533,418 27.61 48.84
Waterman Bank Waterman Ill. Commercial Bank 2.07 1.70 85,668 12.43 78.26
172 Bank of Cleveland Cleveland Tenn. Commercial Bank 2.06 1.59 341,423 13.21 52.67
Farmers State Bank of Alto Pass, Ill. Harrisburg Ill. Commercial Bank 2.06 1.31 326,829 26.95 62.71
First Midwest Bank of the Ozarks Poplar Bluff Mo. Commercial Bank 2.06 1.71 637,147 21.20 58.62
Solera National Bank Lakewood Colo. Commercial Bank 2.06 1.62 652,544 21.22 34.76
176 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.05 2.19 80,464 13.01 51.94
Primebank Le Mars Iowa Commercial Bank 2.05 1.24 556,335 17.57 46.91
Security Bank Tulsa Okla. Commercial Bank 2.05 1.70 762,270 20.74 37.20
The Bank of the West Thomas Okla. Commercial Bank 2.05 1.84 164,392 15.98 54.58
180 Citizens State Bank Corrigan Tex. Commercial Bank 2.04 1.74 162,295 18.41 51.68
Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 2.04 1.83 312,923 23.35 49.66
182 Citizens Bank of Rogersville Rogersville Mo. Commercial Bank 2.03 1.74 127,663 18.60 54.62
HomeBank Texas Seagoville Tex. Commercial Bank 2.03 1.89 292,350 19.88 49.49
The First State Bank Louise Tex. Commercial Bank 2.03 2.34 818,161 23.93 54.94
185 First Missouri Bank of SEMO Kennett Mo. Commercial Bank 2.02 1.07 237,646 22.62 50.13
The Idabel National Bank Idabel Okla. Commercial Bank 2.02 1.99 193,226 17.64 41.94
187 Bellevue State Bank Bellevue Iowa Commercial Bank 2.01 1.94 161,007 14.93 40.85
Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 2.01 1.71 256,167 19.96 55.21
Dakota Western Bank Bowman N.D. Commercial Bank 2.01 1.81 329,815 17.60 46.98
First Home Bank Saint Petersburg Fla. Commercial Bank 2.01 1.12 917,272 27.63 80.54
Touchmark National Bank Alpharetta Ga. Commercial Bank 2.01 1.07 421,736 15.87 38.83
192 Decatur County Bank Decaturville Tenn. Commercial Bank 2.00 0.71 198,953 22.72 59.00
The Bank of Hemet Riverside Calif. Commercial Bank 2.00 2.38 964,887 21.78 40.43
194 Bank of Elgin Elgin Neb. Commercial Bank 1.99 2.11 71,414 13.94 54.03
Commercial Bank & Trust Company Monticello Ark. Commercial Bank 1.99 1.21 257,695 20.93 51.90
CS Bank Eureka Springs Ark. Commercial Bank 1.99 1.74 480,019 21.44 54.30
Maple Bank Champlin Minn. Commercial Bank 1.99 0.19 97,713 21.02 49.55
Portage Bank Ceylon Minn. Commercial Bank 1.99 0.83 40,591 15.85 63.35
The Bank of Kremlin Kremlin Okla. Commercial Bank 1.99 1.72 344,564 16.14 48.83
200 CCB Community Bank Andalusia Ala. Commercial Bank 1.98 1.47 608,807 19.31 53.70
MRV Banks Sainte Genevieve Mo. Commercial Bank 1.98 1.74 631530 21.71 36.04
The Commercial Bank Crawford Ga. Commercial Bank 1.98 1.82 420,699 24.59 49.58

Note: Independent banks and thrifts operating as of Feb. 18, 2022 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.

© 2022 American Banker

Source:

https://www.spglobal.com/en/

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