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 Return on
average assets
2Q 2020
Return on
average assets
2Q 2019
Total
assets
Return on
average equity
Efficiency
ratio
1 Magnolia Bank, Inc. Magnolia Ky. 20.61 3.64 $367,395 198.63 46.85
2 One American Bank Sioux Falls S.D. 16.35 1.14 168,823 148.08 59.89
3 Bank of England England Ark. 12.12 2.96 543,694 95.33 74.36
4 Willamette Valley Bank Salem Ore. 9.60 5.26 352,966 75.91 58.89
5 University Bank Ann Arbor Mich. 9.21 1.21 540,107 106.41 61.10
6 Fidelity Bank West Des Moines Iowa 8.81 1.52 89,917 75.80 49.87
7 First Community Bank of Tennessee Shelbyville Tenn. 8.62 1.90 729,088 77.72 51.69
8 Brazos National Bank Richwood Tex. 7.97 2.44 37,234 33.29 70.96
9 First Bank of the Lake Osage Beach Mo. 7.87 2.14 619,080 218.26 16.78
10 Goldwater Bank, N.A. Phoenix Ariz. 6.76 6.53 284,140 75.55 86.06
11 Plains Commerce Bank Hoven S.D. 6.12 1.72 931,884 48.76 60.49
12 Midwest Community Bank Freeport Ill. 5.66 2.19 410,918 73.91 65.03
13 VisionBank Saint Louis Park Minn. 5.45 2.03 168,374 75.67 18.43
14 Chickasaw Community Bank Oklahoma City Okla. 5.29 1.60 258,107 55.23 49.96
15 Spring Valley Bank Wyoming Ohio 5.27 4.53 89,322 13.47 21.56
16 Paramount Bank Saint Louis Mo. 5.13 0.62 171,254 63.70 76.53
17 Bank of Montana Missoula Mont. 5.06 2.57 135,546 55.51 27.68
18 Citizens Bank of Las Cruces Las Cruces N.M. 4.74 2.28 706,062 45.71 52.41
19 Citizens State Bank of La Crosse La Crosse Wis. 4.56 2.78 378,352 54.95 32.49
20 Flanagan State Bank Flanagan Ill. 4.55 1.96 209,453 44.07 75.68
21 Aspire Bank Fargo N.D. 4.53 0.64 51,141 52.92 30.81
22 Farmers & Stockmens Bank Clayton N.M. 4.51 2.28 411,015 47.18 49.60
23 Charter West Bank West Point Neb. 4.40 2.45 331,852 45.55 57.48
24 Peoples Bank & Trust Company Ryan Okla. 4.33 -0.40 84,430 50.59 51.85
25 Vantage Bank Kent Minn. 4.25 0.87 40,948 46.68 45.52
26 Community Bank Topeka Kan. 4.24 1.44 132,478 46.28 34.37
27 Lake Area Bank Lindstrom Minn. 4.20 1.57 421,300 38.80 53.64
28 Cape Ann Savings Bank Gloucester Mass. 4.04 1.66 727,221 17.92 64.86
29 First Security Bank of Deer Lodge Deer Lodge Mont. 4.00 2.72 52,076 41.99 33.82
30 Community Bank of Pickens County Jasper Ga. 3.94 1.66 409,414 34.49 31.03
31 First Bank of Owasso Owasso Okla. 3.90 2.12 538,420 38.22 30.92
Texana Bank, National Association Linden Tex. 3.90 0.67 234,098 45.57 60.57
33 First Bank Burkburnett Tex. 3.85 2.30 552,415 36.97 58.60
34 Nebraska State Bank Oshkosh Neb. 3.82 4.25 59,760 26.47 37.60
35 Bloomsdale Bank Bloomsdale Mo. 3.80 2.25 302,483 45.77 30.53
36 Eagle Community Bank Maple Grove Minn. 3.79 0.22 33,943 52.06 45.02
37 1st National Bank Lebanon Ohio 3.76 0.63 243,782 48.82 57.85
38 First State Bank Elmore City Okla. 3.72 3.65 18,925 33.41 83.31
39 Citizens State Bank Waco Tex. 3.69 0.70 181,394 41.19 -46.98
40 Oxford Bank & Trust Oak Brook Ill. 3.67 1.33 691,681 36.87 65.50
41 Central Bank and Trust Lander Wyo. 3.66 1.74 176,994 39.38 40.87
42 Security Bank Laurel Neb. 3.62 1.80 252,382 29.03 52.84
43 North Shore Bank of Commerce Duluth Minn. 3.61 1.76 360,051 44.21 58.32
Town and Country Bank Midwest Quincy Ill. 3.61 2.36 194,543 28.53 36.20
45 Titan Bank, N.A. Mineral Wells Tex. 3.59 1.87 295,634 44.95 35.44
46 Farmers & Merchants Savings Bank Manchester Iowa 3.58 1.57 672,011 30.25 33.12
47 Texas Bank Financial Weatherford Tex. 3.57 2.20 504,666 36.60 51.70
48 Bank Northwest Hamilton Mo. 3.48 2.30 178,714 41.13 34.29
49 Community Bank of Raymore Raymore Mo. 3.47 2.85 323,699 41.45 38.31
50 Peoples Bank Mendenhall Miss. 3.46 2.27 402,287 36.44 50.46
51 Buckeye State Bank Powell Ohio 3.44 -0.79 240,315 41.65 75.11
52 Eagle State Bank Eagle Neb. 3.43 0.95 51,595 42.57 38.76
53 Bank of Old Monroe Old Monroe Mo. 3.42 2.31 471,485 23.95 36.14
54 First Credit Bank Los Angeles Calif. 3.41 6.05 424,644 7.69 16.34
WoodTrust Bank Wisconsin Rapids Wis. 3.41 3.42 524,423 32.61 34.57
56 Utah Independent Bank Salina Utah 3.40 2.93 115,169 25.58 44.72
57 First State Bank Shallowater Tex. 3.36 2.39 103,938 16.93 49.28
58 Goodfield State Bank Goodfield Ill. 3.35 2.24 152,846 27.76 42.11
59 State Bank Northwest Spokane Valley Wash. 3.34 1.45 187,941 34.01 48.32
60 Bank of Kaukauna Kaukauna Wis. 3.30 0.71 115,127 35.08 56.58
61 Bank of Mauston Mauston Wis. 3.26 2.73 333,828 24.40 35.93
62 Coleman County State Bank Coleman Tex. 3.23 3.02 145,320 34.58 50.03
Twin City Bank Longview Wash. 3.23 0.71 74,216 35.54 44.79
64 Peoples Community Bank Greenville Mo. 3.22 3.24 536,792 18.23 37.33
65 North Valley Bank Thornton Colo. 3.14 3.06 191,963 26.85 42.23
66 Central Bank of Kansas City Kansas City Mo. 3.13 6.51 261,514 21.72 58.43
67 American Interstate Bank Elkhorn Neb. 3.12 3.23 111,027 16.36 38.51
State Bank of New Richland New Richland Minn. 3.12 2.32 117,432 31.90 33.12
69 Austin Capital Bank SSB Austin Tex. 3.11 2.74 194,774 35.15 78.67
Ultima Bank Minnesota Winger Minn. 3.11 2.11 206,707 31.07 45.67
71 Anchor D Bank Texhoma Okla. 3.07 1.31 231,959 26.78 61.57
72 Cumberland Security Bank, Inc. Somerset Ky. 3.06 3.03 259,364 23.95 43.66
73 Envision Bank Stoughton Mass. 3.02 0.94 725,374 26.92 62.31
74 Legacy Bank & Trust Company Rogersville Mo. 3.01 1.19 449,389 37.00 36.09
75 Allied First Bank,sb Oswego Ill. 3.00 3.16 137,014 25.07 93.12
West Gate Bank Lincoln Neb. 3.00 1.28 936,728 32.87 47.63
77 Bippus State Bank Huntington Ind. 2.99 1.70 215,255 27.72 46.60
78 Lakeview Bank Lakeville Minn. 2.98 1.28 134,830 37.19 42.50
79 Bank of Milton Milton Wis. 2.97 1.16 149,893 30.88 39.02
Freedom Bank Huntingburg Ind. 2.97 2.20 496,405 29.06 33.83
81 United Bank Atmore Ala. 2.96 1.28 871,343 32.05 41.31
82 American Bank & Trust of the Cumberlands Livingston Tenn. 2.95 1.31 286,415 33.93 47.15
Charter Bank Corpus Christi Tex. 2.95 3.61 322,513 27.35 46.86
84 NewFirst National Bank El Campo Tex. 2.94 2.96 863,084 27.59 45.58
85 Prime Security Bank Karlstad Minn. 2.93 1.17 102,950 34.96 39.59
86 Bank of Glen Ullin Glen Ullin N.D. 2.91 2.47 64,243 25.77 36.70
87 Collins State Bank Collins Wis. 2.89 1.23 106,792 31.93 52.85
Coulee Bank La Crosse Wis. 2.89 1.04 441,635 31.42 54.61
Flagler Bank West Palm Beach Fla. 2.89 1.81 408,387 31.22 34.32
Minnesota Lakes Bank Delano Minn. 2.89 0.31 156,408 31.56 53.88
Security State Bank of Oklahoma Wewoka Okla. 2.89 1.65 287,018 24.36 39.60
Twin River Bank Lewiston Idaho 2.89 2.08 121,183 33.58 47.72
93 Bank of Deerfield Deerfield Wis. 2.88 2.02 171,224 24.14 46.92
ONB Bank Rochester Minn. 2.88 1.13 132,226 27.20 47.06
95 First National Bank of Hughes Springs Hughes Springs Tex. 2.87 2.00 299,642 23.80 50.96
96 State Bank of Texas Dallas Tex. 2.86 6.37 915,442 18.81 28.60
97 CNB Bank Carlsbad N.M. 2.85 2.46 483,113 31.92 42.90
98 First State Bank of Kiester Kiester Minn. 2.83 0.77 26,077 27.14 47.00
99 Lamont Bank of St. John Saint John Wash. 2.82 1.79 53,819 20.52 33.76
State Bank of Southwest Missouri Springfield Mo. 2.82 1.05 162,881 44.99 42.64
101 Crockett National Bank San Antonio Tex. 2.81 2.70 716,695 21.55 70.38
Security Bank and Trust Company Paris Tenn. 2.81 1.50 612,226 35.21 40.24
Tri Valley Bank Talmage Neb. 2.81 1.84 54,690 36.27 38.85
104 Citizens State Bank Norwood Young America Norwood Young America Minn. 2.80 1.80 96,929 21.51 46.51
First State Bank of St. Charles, Missouri Saint Charles Mo. 2.80 1.58 458,477 23.31 76.67
106 First Midwest Bank of Dexter Dexter Mo. 2.79 1.26 421,122 28.38 45.72
Rock Canyon Bank Provo Utah 2.79 3.13 638,905 31.02 53.51
United Farmers State Bank Adams Minn. 2.79 1.52 157,858 22.85 38.11
109 BLC Community Bank Little Chute Wis. 2.77 1.36 320,368 19.50 44.63
110 Bank of St. Elizabeth Saint Elizabeth Mo. 2.76 2.22 176,148 24.32 49.76
Citizens Bank & Trust Co. Hutchinson Minn. 2.76 1.37 276,951 34.68 37.39
HNB National Bank Hannibal Mo. 2.76 2.64 568,405 22.71 44.20
Municipal Trust and Savings Bank Bourbonnais Ill. 2.76 2.26 324,804 18.64 32.13
Sherburne State Bank Becker Minn. 2.76 1.50 163,006 37.03 41.75
115 FirstBank of Nebraska Wahoo Neb. 2.75 2.16 314,584 27.01 32.01
Security State Bank of Fergus Falls Fergus Falls Minn. 2.75 1.78 146,698 25.63 42.05
117 Community Bank of Louisiana Mansfield La. 2.74 1.71 584,920 28.03 41.22
Crown Bank Elizabeth N.J. 2.74 4.85 526,757 13.26 41.70
Forreston State Bank Forreston Ill. 2.74 1.25 242,318 30.74 54.56
Ramsey National Bank Devils Lake N.D. 2.74 2.43 271,020 20.04 44.57
121 Cedar Security Bank Fordyce Neb. 2.73 1.02 51,569 18.58 63.77
First National Bank Spearman Tex. 2.73 2.13 240,141 19.13 65.05
123 Douglas National Bank Douglas Ga. 2.72 2.99 229,666 26.77 45.47
First Heritage Bank Shenandoah Iowa 2.72 0.63 47,493 27.30 45.16
Grand Marais State Bank Grand Marais Minn. 2.72 1.70 108,592 35.90 45.60
West Valley National Bank Goodyear Ariz. 2.72 -1.17 132,191 38.86 64.57
127 Great American Bank Lawrence Kan. 2.71 1.95 233,197 20.35 48.05
North American Banking Company Roseville Minn. 2.71 2.35 788,652 35.03 41.96
Passumpsic Bank Saint Johnsbury Vt. 2.71 0.93 792,129 23.12 62.63
Riverside Bank Sparkman Ark. 2.71 2.40 64,083 30.24 50.20
131 First National Bank of Bangor Bangor Wis. 2.70 2.46 243,752 8.80 22.62
First State Bank Graham Tex. 2.70 1.70 175,946 29.04 49.28
Peoples Bank & Trust Pana Ill. 2.70 1.32 460,673 26.56 45.56
134 BankNorth Arthur N.D. 2.69 1.72 432,656 22.75 43.39
135 American Exchange Bank Elmwood Neb. 2.68 1.89 56,361 25.09 42.26
Bluff View Bank Galesville Wis. 2.68 1.85 118,342 13.98 55.13
Elysian Bank Elysian Minn. 2.68 2.09 53,461 24.28 51.95
First State Bank of Beecher City Beecher City Ill. 2.68 2.00 79,273 18.86 45.67
First State Bank Southwest Worthington Minn. 2.68 1.85 289,553 22.52 50.49
140 Park State Bank Duluth Minn. 2.65 1.97 233,144 24.08 38.55
141 American National Bank-Fox Cities Appleton Wis. 2.63 2.33 347,725 19.47 42.66
Farmers and Merchants State Bank Plankinton S.D. 2.63 1.73 117,936 23.53 38.47
Farmers and Merchants State Bank Langdon N.D. 2.63 2.38 117,326 18.15 35.15
144 Petefish, Skiles & Co. Virginia Ill. 2.62 1.28 223,549 20.49 50.10
145 Carson Bank Mulvane Kan. 2.61 1.17 144,511 32.32 58.83
Farmers and Merchants Bank of Kendall Kendall Wis. 2.61 2.82 76,697 16.45 48.44
147 Bank of Alma Alma Wis. 2.60 3.78 295,911 6.44 12.76
148 Drummond Community Bank Chiefland Fla. 2.59 1.13 778,766 21.49 46.52
Lafayette State Bank Mayo Fla. 2.59 1.57 134,634 35.79 60.81
150 First Eagle Bank Chicago Ill. 2.58 2.55 569,007 14.40 36.03
151 EvaBank Cullman Ala. 2.56 3.42 420,327 9.71 35.19
Grand Rapids State Bank Grand Rapids Minn. 2.56 1.29 278,899 27.18 53.94
Ixonia Bank Ixonia Wis. 2.56 0.64 479,976 23.91 61.89
154 Community Bank of Easton Easton Ill. 2.55 3.11 37,906 11.94 15.35
Edmonton State Bank Edmonton Ky. 2.55 2.14 622,215 18.26 47.71
Ennis State Bank Ennis Tex. 2.55 1.73 292,996 26.98 47.88
157 Bank of Hemet Riverside Calif. 2.54 2.81 855,086 23.25 38.79
158 Woodlands National Bank Onamia Minn. 2.53 1.20 325,746 22.61 39.10
159 Bank of Louisiana New Orleans La. 2.52 0.15 85,462 29.03 111.19
Brighton Bank Salt Lake City Utah 2.52 2.64 285,682 24.19 46.28
161 Yellowstone Bank Laurel Mont. 2.51 2.81 942,410 15.09 38.66
162 Center National Bank Litchfield Minn. 2.50 1.33 215,579 21.62 47.69
HomeTown Bank Redwood Falls Minn. 2.50 1.53 420,295 24.04 46.78
Phelps County Bank Rolla Mo. 2.50 1.75 423,699 31.48 51.59
United Community Bank Milford Iowa 2.50 1.01 221,998 23.32 46.60
Vermillion State Bank Vermillion Minn. 2.50 2.69 680,885 16.11 25.45
167 Grant County State Bank Swayzee Ind. 2.49 2.58 210,767 21.08 29.52
River Falls State Bank River Falls Wis. 2.49 1.27 110,098 18.48 48.06
169 Farmers State Bank of Hartland Hartland Minn. 2.48 2.01 182,682 21.29 49.13
FNB South Alma Ga. 2.48 3.04 458,727 16.14 36.47
171 First State Bank of Malta Malta Mont. 2.47 -0.03 149,347 15.66 59.18
172 First Whitney Bank and Trust Atlantic Iowa 2.46 2.27 242,591 24.23 28.03
173 Cowboy Bank of Texas Maypearl Tex. 2.45 2.27 94,453 22.41 51.28
Gulf Capital Bank Houston Tex. 2.45 NA 135,446 5.48 62.36
State Exchange Bank Lamont Okla. 2.45 1.76 71,371 21.41 47.45
176 Apex Bank Camden Tenn. 2.44 4.67 873,722 20.60 34.95
First Bank of Berne Berne Ind. 2.44 2.13 858,589 24.71 44.11
178 First National Bank of Eldorado Eldorado Tex. 2.43 2.71 63,589 14.65 42.11
Security State Bank Sutherland Iowa 2.43 2.31 263,748 23.83 35.90
180 Bank, National Association McAlester Okla. 2.42 1.75 430,267 22.21 44.23
First Security Bank - Canby Canby Minn. 2.42 1.57 71,688 16.06 45.55
United Minnesota Bank New London Minn. 2.42 1.53 37,185 35.81 52.59
183 Bank of Elgin Elgin Neb. 2.41 2.12 62,303 16.76 46.94
Bank of Kremlin Kremlin Okla. 2.41 2.09 335,945 20.67 45.44
Bank of Morton Morton Miss. 2.41 0.68 74,640 16.52 51.36
Columbus Bank and Trust Company Columbus Neb. 2.41 1.67 160,241 22.69 48.65
First National Bank of Picayune Picayune Miss. 2.41 2.88 230,649 16.75 50.49
Northview Bank Sandstone Minn. 2.41 1.95 361,734 19.38 56.06
Oklahoma State Bank Buffalo Okla. 2.41 2.64 61,786 24.35 49.99
190 Community First Bank Kansas City Kan. 2.40 1.62 224,242 23.94 44.12
Home State Bank Royal Iowa 2.40 2.29 43,341 7.52 37.25
MinnStar Bank National Association Lake Crystal Minn. 2.40 0.86 143,235 26.24 53.34
Peoples State Bank of Plainview Plainview Minn. 2.40 1.35 311,056 25.75 48.62
Premier Bank Minnesota Farmington Minn. 2.40 2.09 309,802 24.23 42.89
195 Crossroads Bank Yoakum Tex. 2.39 2.06 253,106 21.85 45.11
F & M Community Bank, National Association Preston Minn. 2.39 0.79 161,343 22.65 56.05
St. Martin National Bank Saint Martin Minn. 2.39 1.99 23,435 15.62 50.00
Woodford State Bank Monroe Wis. 2.39 1.78 278,805 25.70 50.60
199 First Federal Savings and Loan Bank Olathe Kan. 2.38 2.98 97,016 19.77 36.61
Monterey County Bank Monterey Calif. 2.38 1.01 199,086 23.53 120.35
Security First Bank of North Dakota Center N.D. 2.38 1.82 197,191 16.81 59.92
Waypoint Bank Cozad Neb. 2.38 1.82 308,617 18.98 45.67

Note: Independent banks and thrifts operating as of Aug. 28, 2020 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.

© 2020 American Banker

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