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Community Banks with the Highest Returns on Average Assets

November 21, 2022, 3:43 p.m. EST 1 Min Read
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READ MORE 20 community banks with the highest returns on average equity

Source: S&P Global

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Community Banks with the Highest Returns on Average Assets
Return on average assets Total Return on Efficiency
Rank Company City State 3Q 2022 3Q 2021 assets ($000) average equity ratio
1 Central Bank of Kansas City Kansas City MO 18.36 6.59 $364,085 141.14 19.16
2 Cecil Bank Elkton MD 16.08 -2.29 242,512 170.61 71.70
3 First Credit Bank Los Angeles CA 7.03 4.62 524,065 17.41 -6.41
4 First National Bank of Benton Benton LA 6.21 0.92 81,505 37.80 55.77
5 The Haverford Trust Company Radnor PA 4.91 7.25 154,758 24.70 85.49
6 FinWise Bank Murray UT 4.75 11.29 380,523 18.42 39.21
7 Spring Valley Bank Wyoming OH 4.37 3.60 79,497 10.56 30.83
8 Riverside Bank Sparkman AR 4.35 2.08 64,078 48.11 39.94
9 Bank of Prague Prague NE 4.02 3.74 40,303 39.17 36.99
Holladay Bank and Trust Holladay UT 4.02 0.81 69,128 25.37 44.25
11 Nebraska State Bank Oshkosh NE 4.00 3.19 67,180 27.35 33.77
12 Brighton Bank Salt Lake City UT 3.99 2.34 309,559 53.44 37.52
13 First Federal Savings and Loan Bank Olathe KS 3.95 3.64 93,467 27.97 20.47
14 Peoples Bank & Trust Pana IL 3.89 1.68 587,849 60.08 32.95
15 Millennium Bank Des Plaines IL 3.79 5.57 327,423 18.41 42.02
16 Capital Community Bank Provo UT 3.58 3.47 644,682 25.02 39.04
17 Crown Bank Elizabeth NJ 3.46 5.23 578,590 15.02 33.83
18 Luminate Bank Minnetonka MN 3.34 1.19 150,524 17.78 87.22
19 Bank of Wolcott Wolcott IN 3.31 1.55 224,447 50.97 34.55
20 Security Bank of the Ozarks Eminence MO 3.27 0.89 141,627 62.55 46.88
21 Paradise Bank Boca Raton FL 3.25 2.00 364,561 44.57 45.33
22 Charter Bank Corpus Christi TX 3.22 3.25 305,473 72.82 43.58
23 EvaBank Cullman AL 3.21 2.68 388,919 11.42 35.49
Quantum National Bank Suwanee GA 3.21 3.28 659,432 31.61 39.65
25 Citizens State Bank - La Crosse La Crosse WI 3.13 2.92 535,352 36.55 39.43
26 North Valley Bank Thornton CO 3.11 2.74 230,968 26.60 41.63
27 WoodTrust Bank Wisconsin Rapids WI 3.10 2.62 593,478 42.40 39.43
28 Douglas National Bank Douglas GA 3.09 2.78 249,617 37.68 42.72
29 FNB South Alma GA 3.02 2.41 563,861 20.63 36.14
30 Grant County State Bank Swayzee IN 3.00 2.55 272,118 25.72 24.58
HNB National Bank Hannibal MO 3.00 2.64 649,861 32.17 41.02
32 The Cowboy Bank of Texas Maypearl TX 2.99 3.26 117,556 26.87 42.90
VisionBank Saint Louis Park MN 2.99 3.24 198,406 33.69 30.09
34 NewFirst National Bank El Campo TX 2.98 2.63 901,405 29.65 39.52
35 HomePride Bank Mansfield MO 2.93 0.88 124,641 37.57 48.87
36 Citizens Bank and Trust Company Marks MS 2.91 0.13 121,498 35.02 54.19
The Bennington State Bank Salina KS 2.91 1.88 972,403 37.65 31.83
38 Commercial Capital Bank Delhi LA 2.89 2.51 264,095 25.27 48.03
New Century Bank Belleville KS 2.89 2.56 57,242 21.38 59.63
40 Peoples Bank Mendenhall MS 2.83 4.34 428,346 26.90 64.01
41 Bank of Texas Midland TX 2.80 1.74 626,200 24.83 25.07
42 The Bippus State Bank Huntington IN 2.78 3.88 316,403 28.56 47.00
43 Park Ridge Community Bank Park Ridge IL 2.77 2.16 466,497 21.10 34.81
44 First Bank of Owasso Owasso OK 2.74 1.79 570,964 26.08 39.05
45 Peoples Community Bank Greenville MO 2.73 2.66 641,517 18.67 40.16
46 M1 Bank Clayton MO 2.72 1.99 763,950 31.82 24.33
47 First Bank Erick OK 2.71 2.17 106,784 27.02 47.10
Ultima Bank Minnesota Winger MN 2.71 2.00 213,874 24.27 51.22
49 Bank of DeSoto, National Association Desoto TX 2.68 1.37 252,301 29.94 51.15
50 Security Bank of Southwest Missouri Cassville MO 2.67 1.83 108,780 25.59 45.89
51 McKenzie Banking Company McKenzie TN 2.66 2.86 185,468 24.80 52.62
52 Peoples State Bank Cherryvale KS 2.65 2.82 17,707 10.41 52.15
The Buckholts State Bank Buckholts TX 2.65 1.54 117,197 18.46 36.63
The First National Bank of Eldorado Eldorado TX 2.65 3.08 87,959 16.14 51.60
55 Cumberland Security Bank, Inc. Somerset KY 2.63 3.33 314,175 22.39 43.35
The Bank of Advance Advance MO 2.63 2.63 437,195 22.74 43.91
57 Coffee County Bank Manchester TN 2.62 2.56 324,573 30.51 47.32
Grant County State Bank Carson ND 2.62 0.76 41,940 21.87 43.26
Schertz Bank & Trust Schertz TX 2.62 1.60 686,948 24.82 28.68
60 American Interstate Bank Elkhorn NE 2.61 1.59 127,333 16.68 37.28
61 Tejas Bank Monahans TX 2.60 1.76 210,859 33.75 38.81
62 Bank of Alma Alma WI 2.59 2.40 297,504 5.75 11.58
Saint Clair State Bank (Incorporated) Saint Clair MN 2.59 1.76 112,502 25.56 31.85
West Pointe Bank Oshkosh WI 2.59 1.67 327,384 14.62 35.60
65 Tolleson Private Bank Dallas TX 2.57 2.19 816,754 31.60 41.00
66 Campbell County Bank Herreid SD 2.56 0.25 149,854 18.41 40.62
Connection Bank Fort Madison IA 2.56 1.62 421,601 23.56 26.95
68 First Bank of Ohio Tiffin OH 2.55 2.45 298,033 9.10 30.78
The Citizens National Bank of Bluffton Bluffton OH 2.55 2.11 965,109 28.53 47.60
70 Farmers Bank and Trust Company Blytheville AR 2.53 3.81 341,998 26.65 43.64
71 Murphy Bank Fresno CA 2.51 3.10 366,434 20.76 45.01
Utah Independent Bank Salina UT 2.51 2.60 141,449 23.14 43.70
73 The Commercial Bank Crawford GA 2.50 1.81 402,534 48.98 47.37
74 BANK Wapello IA 2.49 1.42 109,632 18.21 58.98
Hodge Bank & Trust Company Hodge LA 2.49 1.96 84,428 15.56 45.39
76 Farmers and Merchants Bank Maysville OK 2.48 1.44 23,930 37.20 54.33
The Union Bank of Mena Mena AR 2.48 2.63 342,537 32.97 46.75
78 Continental Bank Salt Lake City UT 2.47 3.06 181,069 14.70 58.66
Farmers and Merchants Bank of Kendall Kendall WI 2.47 1.86 78,591 14.43 48.74
First Bank and Trust Company of Illinois Palatine IL 2.47 1.59 204,919 24.08 57.17
81 First Eagle Bank Chicago IL 2.46 3.64 578,302 15.16 37.11
Main Bank Albuquerque NM 2.46 2.75 261,311 31.10 38.96
83 The First State Bank Boise City OK 2.45 2.49 104,414 35.61 42.15
84 Solon State Bank Solon IA 2.44 1.83 126,280 13.71 35.85
85 First Security Bank of Deer Lodge Deer Lodge MT 2.43 2.18 83,027 27.60 40.53
86 Security State Bank of Wanamingo, Incorporated Wanamingo MN 2.42 1.68 82,277 21.62 46.73
87 First National Bank of Hugo Hugo CO 2.41 1.08 149,786 33.76 20.28
First State Bank Elmore City OK 2.41 -3.85 17,402 16.41 89.31
Security State Bank Sutherland IA 2.41 3.34 302,222 22.61 35.62
90 Premier Bank Rock Valley IA 2.40 2.98 552,239 18.44 37.61
The First National Bank of Bangor Bangor WI 2.40 2.60 283,041 8.87 21.11
92 Bank Northwest Hamilton MO 2.39 2.05 184,762 26.61 44.57
Bank of Monticello Monticello GA 2.39 1.73 171,454 30.86 44.97
CLB The Community Bank Jonesville LA 2.39 4.22 272,386 29.72 51.24
Farmers State Bank Center TX 2.39 0.47 389,353 23.24 16.61
T Bank, National Association Dallas TX 2.39 2.86 578,986 15.18 63.06
97 The Bank of the West Thomas OK 2.38 1.88 161,963 19.07 51.56
The National Bank of Andrews Andrews TX 2.38 3.43 274,822 29.23 59.86
99 Citizens State Bank Miles TX 2.37 2.34 232,556 27.27 40.93
The Payne County Bank Perkins OK 2.37 2.28 212,792 18.75 46.89
101 Bank of Mauston Mauston WI 2.36 2.21 402,546 19.46 39.72
Community Bank of Easton Easton IL 2.36 2.43 40,684 10.17 11.75
Farmers Trust and Savings Bank Williamsburg IA 2.36 1.71 172,007 10.98 28.88
104 Frost State Bank Frost MN 2.35 1.47 48,295 16.05 29.10
105 American Plus Bank, National Association Arcadia CA 2.34 2.92 607,800 13.11 26.38
The Bank of Edison Edison GA 2.34 5.05 70,734 76.27 65.76
Town and Country Bank Midwest Quincy IL 2.34 1.75 216,864 23.02 48.01
108 Flagler Bank West Palm Beach FL 2.33 1.78 489,288 27.78 37.71
The First National Bank at Paris Paris AR 2.33 2.93 238,240 21.01 54.00
110 FirsTier Bank Kimball NE 2.32 1.36 832,288 22.93 39.87
State Bank of Downs Downs KS 2.32 1.38 126,584 19.68 44.89
112 1st Equity Bank Skokie IL 2.31 1.24 117,938 12.34 51.62
First State Bank Clute TX 2.31 2.12 305,449 28.39 48.65
Peoples Bank of the South La Follette TN 2.31 1.94 195,099 22.43 51.38
Prime Alliance Bank Woods Cross UT 2.31 3.12 609,119 21.35 25.04
116 Amerasia Bank Flushing NY 2.30 1.48 815,487 17.19 33.73
Bank of Western Oklahoma Elk City OK 2.30 1.32 345,312 28.42 50.78
PromiseOne Bank Duluth GA 2.30 2.97 662,026 26.83 47.99
Sicily Island State Bank Sicily Island LA 2.30 1.44 76,583 18.66 59.14
UniBank Lynnwood WA 2.30 2.30 551,457 18.09 45.30
121 Community First Bank Butler MO 2.29 1.37 259,175 27.87 44.35
The Farmers & Merchants Bank Berlin WI 2.29 1.43 653,109 35.43 32.96
123 Midwest Bank Detroit Lakes MN 2.28 1.93 695,332 26.79 42.68
124 California Pacific Bank San Francisco CA 2.27 1.87 85,987 5.35 44.67
The First National Bank of Lindsay Lindsay OK 2.27 1.54 88,489 18.37 43.67
Western Commerce Bank Carlsbad NM 2.27 1.47 673,693 31.34 44.81
127 Citizens State Bank Corrigan TX 2.26 2.79 164,471 29.69 48.95
HomeBank Texas Seagoville TX 2.26 2.00 303,475 23.76 48.87
Pioneer Trust Bank, National Association Salem OR 2.26 2.22 754,101 21.58 31.02
The Bank of Kremlin Kremlin OK 2.26 1.49 347,970 19.74 41.63
131 Durden Banking Company, Incorporated Twin City GA 2.25 1.61 264,592 20.05 52.98
First National Bank in Philip Philip SD 2.25 1.42 358,816 24.03 28.51
Pinnacle Bank Marshalltown IA 2.25 1.77 258,061 16.39 35.25
134 Bank of Locust Grove Locust Grove OK 2.24 1.72 49,112 19.95 51.39
Home Bank of California San Diego CA 2.24 3.54 241,496 19.48 42.53
Providence Bank Rocky Mount NC 2.24 1.65 780,832 19.98 31.41
Security State Bank Farwell TX 2.24 1.78 279,419 21.54 34.45
138 Arcadian Bank Albert Lea MN 2.23 2.56 188,627 18.76 55.64
First United Bank Park River ND 2.23 2.20 668,303 40.24 59.98
Security State Bank Algona IA 2.23 0.96 137,138 14.79 31.31
141 CS Bank Eureka Springs AR 2.22 1.99 496,299 22.42 52.98
Pioneer Bank Stanley VA 2.22 2.12 305,611 24.13 54.05
Security Bank Tulsa OK 2.22 2.33 733,271 20.98 38.69
Solera National Bank Lakewood CO 2.22 2.55 946,897 38.93 30.01
The Southern Bank Company Gadsden AL 2.22 0.88 112,213 25.66 62.41
146 Bank of Columbia Columbia KY 2.21 2.46 192,254 27.77 53.66
Community Bank Longview TX 2.21 2.16 295,419 22.68 40.11
McClave State Bank McClave CO 2.21 1.98 48,635 15.13 45.77
Rolette State Bank Rolette ND 2.21 0.29 48,357 28.81 57.49
The First State Bank Abernathy TX 2.21 5.77 75,562 13.17 62.39
The St. Henry Bank Saint Henry OH 2.21 2.05 390,833 26.44 35.89
152 Bank of Perry County Lobelville TN 2.19 1.81 208,670 24.32 50.33
Burling Bank Chicago IL 2.19 1.54 191,411 23.20 51.42
Commercial State Bank of Wagner Wagner SD 2.19 1.79 234,647 25.49 41.56
First & Peoples Bank and Trust Company Russell KY 2.19 1.02 241,338 17.54 47.69
First National Bank of Albany/Breckenridge Albany TX 2.19 1.21 694,090 21.33 50.34
Four Corners Community Bank Farmington NM 2.19 2.14 483,404 26.30 46.70
Glenwood State Bank (Incorporated) Glenwood MN 2.19 1.54 474,041 26.56 45.80
159 Bank of Ontario Ontario WI 2.18 1.66 73,302 21.35 54.65
F & C Bank Holden MO 2.18 2.10 311,606 22.24 51.65
First IC Bank Doraville GA 2.18 2.37 965,756 20.52 47.92
RiverBank Pocahontas AR 2.18 1.51 93,679 14.13 46.19
State Bank of Cochran Cochran GA 2.18 1.49 261,325 16.93 51.86
164 First State Bank of Swanville Swanville MN 2.17 0.34 27,254 16.44 59.36
165 Bank of the Panhandle Guymon OK 2.16 1.95 226,555 28.76 48.01
First Texas National Bank Floydada TX 2.16 1.57 144,089 21.56 38.14
Municipal Trust and Savings Bank Bourbonnais IL 2.16 1.73 356,153 14.92 38.22
The HomeTown Bank of Alabama Oneonta AL 2.16 1.84 540,358 24.48 51.27
169 Bank of Washington Washington MO 2.15 1.70 963,581 18.59 51.89
Central Bank Houston TX 2.15 1.86 958,808 27.04 61.74
Community State Bank Brook IN 2.15 1.24 102,262 21.64 40.30
Elysian Bank Elysian MN 2.15 2.20 66,102 22.35 55.13
First Northern Bank of Wyoming Buffalo WY 2.15 2.42 579,556 43.80 64.19
Great American Bank Lawrence KS 2.15 1.85 351,949 14.86 50.71
Kentucky Farmers Bank Corporation Ashland KY 2.15 2.90 262,664 16.44 52.84
Powell State Bank Powell TX 2.15 0.44 37,139 26.94 52.12
177 Peoples Bank and Trust Company of Pointe Coupee Parish New Roads LA 2.14 1.55 350,174 13.05 43.68
The Waggoner National Bank of Vernon Vernon TX 2.14 2.25 365,946 25.58 43.25
179 5Star Bank Colorado Springs CO 2.13 1.28 355,864 15.78 45.49
Bellevue State Bank Bellevue IA 2.13 1.90 154,755 20.33 38.95
First State Bank of Bedias Bedias TX 2.13 1.43 211,658 16.39 42.61
182 Bank of Delight Delight AR 2.12 1.50 164,457 15.99 41.83
Farmers State Bank Hosmer SD 2.12 1.29 23,386 14.81 57.98
High Plains Bank Keyes OK 2.12 1.77 164,441 16.63 47.02
Quoin Financial Bank Miller SD 2.12 1.23 214,047 20.06 44.96
186 Liberty Capital Bank Addison TX 2.11 1.66 477,199 24.69 37.53
Plains State Bank Humble TX 2.11 2.16 807,232 17.70 46.30
Southwest Bank Odessa TX 2.11 1.89 654,759 26.28 59.87
The Jefferson Bank Greenville MS 2.11 5.06 163,852 15.58 40.97
190 Brunswick State Bank Brunswick NE 2.10 0.91 143,948 23.11 44.08
Citizens Bank of Cumberland County, Inc. Burkesville KY 2.10 1.41 88,861 19.14 55.60
CNB Bank Carlsbad NM 2.10 2.31 613,706 24.66 49.27
193 Kinmundy Bank Kinmundy IL 2.09 1.46 64,149 18.38 36.86
Solomon State Bank Solomon KS 2.09 1.68 182,249 12.34 42.40
The Citizens State Bank Marysville KS 2.09 2.45 373,894 28.58 38.19
196 Bank of the Rockies White Sulphur Springs MT 2.08 1.61 241,301 23.26 59.61
Boundary Waters Bank Ely MN 2.08 0.85 111,416 14.39 52.65
First National Bank Spearman TX 2.08 1.82 268,331 21.39 53.39
Heartland Bank Somers IA 2.08 2.48 224,014 21.67 53.03
MRV Banks Sainte Genevieve MO 2.08 2.14 657,828 21.89 37.23
United Midwest Savings Bank, National Association De Graff OH 2.08 1.88 485,271 20.76 68.58

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

© 2023 American Banker

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

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