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Community banking

Community Banks with the Highest Returns on Average Assets (Mar. 31, 2020)

June 01, 2020, 1:10 p.m. EDT 1 Min Read
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Community Banks with the Highest Returns on Average Assets
Total
assets		 Return on
average equity		 Efficiency
ratio
Rank Company City State Type of charter Return on average assets
1Q 2020		 Return on average assets
1Q 2019
1 NBKC Bank Kansas City Mo. Commercial Bank 9.16 4.48 $933,981 66.77 65.25
2 Town and Country Bank Midwest Quincy Ill. Commercial Bank 6.65 2.37 179,007 55.37 24.78
3 Peoples State Bank Cherryvale Kan. Commercial Bank 5.28 2.56 17,301 19.39 32.74
4 Spring Valley Bank Wyoming Ohio Commercial Bank 4.75 3.99 84,114 11.71 26.38
5 FinWise Bank Murray Utah Commercial Bank 4.59 6.40 177,320 27.52 42.97
6 Lake Central Bank Annandale Minn. Commercial Bank 4.44 2.29 157,746 31.51 42.22
7 Central Bank of Kansas City Kansas City Mo. Commercial Bank 4.38 3.56 231,238 29.41 55.85
8 Jefferson Bank Greenville Miss. Commercial Bank 4.13 4.97 129,972 22.44 33.94
9 Nebraska State Bank Oshkosh Neb. Commercial Bank 4.02 3.77 51,807 22.99 38.22
10 HNB National Bank Hannibal Mo. Commercial Bank 4.01 2.46 521,367 30.77 37.34
11 Hill-Dodge Banking Company Warsaw Ill. Commercial Bank 3.95 1.49 39,066 25.30 36.53
12 Bank of Old Monroe Old Monroe Mo. Commercial Bank 3.72 2.12 412,276 24.02 46.68
13 Willamette Valley Bank Salem Ore. Commercial Bank 3.62 2.85 307,512 25.44 74.29
14 Neighbors Bank Clarence Mo. Commercial Bank 3.43 -0.49 40,579 25.16 85.12
15 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 3.42 3.33 453,525 31.64 44.20
16 Allied First Bank,sb Oswego Ill. Savings Bank 3.27 1.12 109,138 25.85 94.41
17 State Bank of Texas Dallas Tex. Commercial Bank 3.25 4.19 918,137 20.13 29.49
18 Charter Bank Corpus Christi Tex. Commercial Bank 3.22 3.52 283,761 28.19 48.30
19 American Interstate Bank Elkhorn Neb. Commercial Bank 3.12 2.89 115,254 15.79 36.00
20 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 3.09 2.71 232,323 22.30 45.96
21 Bank of Protection Protection Kan. Commercial Bank 3.08 1.19 68,204 19.63 38.10
22 Security State Bank Farwell Tex. Commercial Bank 3.01 3.47 160,220 25.14 31.54
23 Port Richmond Savings Philadelphia Pa. Savings Bank 3.00 2.34 84,674 16.26 45.68
24 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 2.98 2.70 345,035 35.12 41.88
25 Peoples Community Bank Greenville Mo. Commercial Bank 2.97 2.74 495,380 16.22 37.63
26 CBBC Bank Maryville Tenn. Commercial Bank 2.95 0.98 360,516 18.21 39.51
27 Bank of Montana Missoula Mont. Commercial Bank 2.94 2.30 120,284 25.83 45.27
Bluff View Bank Galesville Wis. Commercial Bank 2.94 1.87 105,195 14.80 52.22
FBT Bank & Mortgage Fordyce Ark. Commercial Bank 2.94 0.57 175,169 26.98 53.87
30 First Bank of Berne Berne Ind. Commercial Bank 2.91 2.08 740,707 27.54 43.38
31 Oklahoma State Bank Buffalo Okla. Commercial Bank 2.85 2.70 55,420 28.28 50.59
32 Adrian Bank Adrian Mo. Commercial Bank 2.84 2.67 144,931 23.53 38.63
Bank of Prague Prague Neb. Commercial Bank 2.84 2.78 29,860 19.90 47.77
Garrett State Bank Garrett Ind. Commercial Bank 2.84 1.66 277,147 26.16 40.73
35 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.82 2.59 42,262 27.08 44.98
36 Apex Bank Camden Tenn. Commercial Bank 2.80 4.12 598,481 17.90 47.02
37 FNB South Alma Ga. Commercial Bank 2.79 2.48 399,094 17.11 44.63
State Bank of Cochran Cochran Ga. Commercial Bank 2.79 2.19 215,217 17.20 48.53
39 State Bank of Wheaton Wheaton Minn. Commercial Bank 2.76 2.55 90,119 11.36 47.06
40 Brazos National Bank Richwood Tex. Commercial Bank 2.74 1.71 39,639 8.06 89.03
Yellowstone Bank Laurel Mont. Commercial Bank 2.74 2.93 796,974 14.10 40.22
42 Farmers and Merchants Bank Maysville Okla. Commercial Bank 2.72 2.24 20,567 32.82 53.21
43 Community Bank of Easton Easton Ill. Commercial Bank 2.70 2.84 36,764 12.45 23.72
First National Bank of Picayune Picayune Miss. Commercial Bank 2.70 2.80 208,331 17.43 49.27
45 North Valley Bank Thornton Colo. Commercial Bank 2.69 2.76 177,290 22.20 48.11
46 Bank of Mauston Mauston Wis. Commercial Bank 2.64 2.60 303,020 19.60 38.96
47 Grant County State Bank Swayzee Ind. Commercial Bank 2.63 2.41 201,509 21.96 31.50
48 City National Bank of Colorado City Colorado City Tex. Commercial Bank 2.61 0.01 149,199 32.24 61.60
49 Western State Bank Garden City Kan. Commercial Bank 2.59 1.78 480,419 20.54 49.03
50 Morris County National Bank Naples Tex. Commercial Bank 2.58 -1.91 88,496 22.87 59.87
51 Community Bank Longview Tex. Commercial Bank 2.56 2.52 215,981 21.99 40.74
First Community Bank of Tennessee Shelbyville Tenn. Commercial Bank 2.56 0.06 632,050 21.42 74.74
Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 2.56 1.54 202,237 26.57 47.52
54 Bank of Lake Mills Lake Mills Wis. Commercial Bank 2.55 1.35 248,728 20.76 51.21
Citizens Bank of Edina Edina Mo. Commercial Bank 2.55 2.22 71,328 20.28 33.99
Peoples Bank Paris Tex. Commercial Bank 2.55 0.97 147,740 25.53 58.54
57 First Bethany Bank & Trust Bethany Okla. Commercial Bank 2.54 1.06 226,676 25.68 66.20
Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.54 2.45 320,612 16.61 33.11
59 Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 2.52 2.05 206,077 21.51 81.65
60 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 2.50 2.17 59,789 20.96 29.96
Community Bank of Raymore Raymore Mo. Commercial Bank 2.50 3.61 290,741 29.90 48.86
62 First State Bank Elmore City Okla. Commercial Bank 2.48 2.85 16,266 18.09 91.06
Texas Bank Financial Weatherford Tex. Commercial Bank 2.48 2.24 447,706 24.48 59.46
64 Town-Country National Bank Camden Ala. Commercial Bank 2.47 2.22 110,454 13.04 54.54
Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.47 2.67 289,001 18.66 48.24
66 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.46 2.55 540,949 18.79 34.79
67 Tejas Bank Monahans Tex. Commercial Bank 2.45 2.99 195,093 21.28 43.14
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.45 2.19 333,319 24.31 52.33
69 Bank of Hemet Riverside Calif. Commercial Bank 2.44 2.70 680,411 20.52 43.85
First National Bank & Trust of Elk City Elk City Okla. Commercial Bank 2.44 1.74 301,668 20.38 49.48
71 Citizens Bank, National Association Abilene Tex. Commercial Bank 2.43 1.73 104,998 17.89 57.01
Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.43 1.61 73,817 15.49 49.86
First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 2.43 2.22 399,461 30.60 47.92
First State Bank of Bedias Bedias Tex. Commercial Bank 2.43 2.20 164,036 14.38 45.29
75 First National Bank Spearman Tex. Commercial Bank 2.42 1.46 229,599 17.08 64.34
Goodfield State Bank Goodfield Ill. Commercial Bank 2.42 1.80 140,006 18.88 51.24
77 CNB Bank Carlsbad N.M. Commercial Bank 2.41 1.98 462,619 27.19 47.90
First Credit Bank Los Angeles Calif. Commercial Bank 2.41 2.33 427,355 5.40 21.12
First National Bank of Bangor Bangor Wis. Commercial Bank 2.41 2.55 226,254 7.68 23.73
80 Bank of Alma Alma Wis. Commercial Bank 2.39 2.72 280,614 6.15 12.48
Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.39 2.37 232,355 24.33 42.85
First National Bank of Las Animas Las Animas Colo. Commercial Bank 2.39 2.50 395,750 17.95 48.85
83 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 2.38 2.28 407,359 23.05 59.29
First State Bank Louise Tex. Commercial Bank 2.38 2.11 518,768 25.21 52.12
85 First State Bank Gothenburg Neb. Commercial Bank 2.37 1.56 602,858 19.40 37.76
86 Eagle Bank Polson Mont. Commercial Bank 2.35 1.20 72,737 19.24 54.58
87 Coffee County Bank Manchester Tenn. Commercial Bank 2.34 2.32 202,699 19.53 48.88
First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 2.34 2.96 96,902 20.13 34.91
First National Bank of Central Texas Waco Tex. Commercial Bank 2.34 2.39 888,987 23.41 47.61
90 Commercial Bank of Mott Mott N.D. Commercial Bank 2.33 2.53 110,639 16.44 36.14
First National Bank of Eldorado Eldorado Tex. Commercial Bank 2.33 2.41 61,607 14.24 53.78
Noah Bank Elkins Park Pa. Commercial Bank 2.33 0.16 383,500 26.69 157.89
Vermillion State Bank Vermillion Minn. Commercial Bank 2.33 2.48 615,031 14.12 31.78
94 Kearny County Bank Lakin Kan. Commercial Bank 2.32 2.16 214,748 13.68 48.93
Peoples Bank of the South La Follette Tenn. Commercial Bank 2.32 1.70 158,032 17.09 55.56
Pinnacle Bank Marshalltown Iowa Commercial Bank 2.32 1.87 215,398 13.58 36.93
97 Bank7 Oklahoma City Okla. Commercial Bank 2.31 2.79 973,402 20.64 37.18
Crockett National Bank San Antonio Tex. Commercial Bank 2.31 1.46 672,339 17.28 69.57
99 First State Bank Boise City Okla. Commercial Bank 2.30 2.10 83,769 27.34 46.98
Payne County Bank Perkins Okla. Commercial Bank 2.30 2.21 182,014 12.45 45.70
101 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 2.28 1.56 223,151 25.76 52.84
First State Bank of Beecher City Beecher City Ill. Commercial Bank 2.28 2.10 73,019 15.59 52.55
103 First National Bank of Lindsay Lindsay Okla. Commercial Bank 2.27 2.02 68,820 19.40 44.14
PrinsBank Prinsburg Minn. Commercial Bank 2.27 5.37 143,785 13.80 53.33
105 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 2.26 2.24 641,427 20.70 56.16
106 Kirkpatrick Bank Edmond Okla. Commercial Bank 2.25 1.74 821,576 19.27 51.80
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 2.25 2.19 81,812 18.59 55.95
St. Henry Bank Saint Henry Ohio Commercial Bank 2.25 2.36 313,488 14.42 41.51
Union Bank & Trust Company Livingston Tenn. Commercial Bank 2.25 2.21 88,778 18.21 56.69
110 Northwestern Bank Chippewa Falls Wis. Commercial Bank 2.24 1.98 447,326 18.32 45.94
111 South Georgia Bank Glennville Ga. Commercial Bank 2.23 2.36 163,677 17.90 53.78
112 Bank of Cordell Cordell Okla. Commercial Bank 2.22 3.08 38,614 19.53 58.63
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.22 2.61 327,502 15.12 42.18
114 Midwest Community Bank Freeport Ill. Commercial Bank 2.21 0.68 296,600 19.99 79.91
TexasBank Brownwood Tex. Commercial Bank 2.21 2.63 514,858 16.47 56.52
Utah Independent Bank Salina Utah Commercial Bank 2.21 3.17 89,355 14.42 59.85
117 First National Bank of Albany Albany Tex. Commercial Bank 2.20 2.38 548,038 17.68 39.03
Flatwater Bank Gothenburg Neb. Commercial Bank 2.20 1.39 216,650 18.19 56.78
119 Bank Northwest Hamilton Mo. Commercial Bank 2.19 2.29 162,947 23.57 47.37
Bank of Elgin Elgin Neb. Commercial Bank 2.19 2.12 57,546 14.31 50.29
Bank of Hydro Hydro Okla. Commercial Bank 2.19 2.72 126,329 18.78 52.60
Crossroads Bank Yoakum Tex. Commercial Bank 2.19 2.15 224,023 19.57 47.17
First Bank of Owasso Owasso Okla. Commercial Bank 2.19 2.18 442,737 19.57 46.51
First National Bank of Anson Anson Tex. Commercial Bank 2.19 1.98 67,158 25.20 57.61
United Cumberland Bank Whitley City Ky. Commercial Bank 2.19 1.65 310,021 16.49 56.68
126 Bank of Morton Morton Miss. Commercial Bank 2.18 1.83 69,958 14.31 59.73
Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 2.18 1.76 876,519 20.37 52.32
First Eagle Bank Chicago Ill. Commercial Bank 2.18 2.62 544,524 12.28 44.30
Grundy Bank Morris Ill. Commercial Bank 2.18 2.41 255,153 19.30 54.79
Merchants and Planters Bank Raymond Miss. Commercial Bank 2.18 2.45 100,185 20.42 57.52
131 Citizens State Bank Miles Tex. Commercial Bank 2.17 2.59 158,203 22.34 46.12
Durden Banking Company, Incorporated Twin City Ga. Commercial Bank 2.17 2.37 186,632 13.19 59.19
Farmers and Merchants State Bank Langdon N.D. Commercial Bank 2.17 2.17 111,921 14.36 40.19
Farmers Trust & Savings Bank Williamsburg Iowa Commercial Bank 2.17 2.35 155,359 8.97 43.11
Magnolia Bank Magnolia Ky. Commercial Bank 2.17 1.00 340,276 21.40 90.55
Roundbank Waseca Minn. Commercial Bank 2.17 1.98 333,349 18.22 68.62
State Bank of New Richland New Richland Minn. Commercial Bank 2.17 2.17 113,867 23.23 40.82
Twin River Bank Lewiston Idaho Commercial Bank 2.17 1.65 102,385 23.95 54.67
139 Bank of Deerfield Deerfield Wis. Commercial Bank 2.16 1.60 159,878 17.84 54.72
Corydon State Bank Corydon Iowa Commercial Bank 2.16 -4.15 102,499 10.14 33.26
First Bank & Trust Company Perry Okla. Commercial Bank 2.16 1.80 209,450 19.09 63.29
142 First State Bank Ida Grove Iowa Commercial Bank 2.15 1.95 167,685 18.04 40.64
Independence Bank Havre Mont. Commercial Bank 2.15 1.86 807,016 15.86 42.50
144 Citizens First National Bank Storm Lake Iowa Commercial Bank 2.14 1.94 209,266 18.47 47.78
Prime Bank Edmond Okla. Commercial Bank 2.14 2.53 281,834 16.24 45.14
146 Citizens State Bank Marysville Kan. Commercial Bank 2.13 2.25 361,745 20.14 37.24
Commercial State Bank of Wagner Wagner S.D. Commercial Bank 2.13 2.23 177,618 18.38 48.58
Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.13 2.15 92,155 19.52 56.13
Regional Missouri Bank Marceline Mo. Commercial Bank 2.13 1.78 380,969 17.98 49.40
150 Bank of Advance Advance Mo. Commercial Bank 2.12 2.14 350,159 17.09 54.72
ESB Bank Caledonia Minn. Commercial Bank 2.12 1.40 115,149 20.29 48.12
Points West Community Bank Windsor Colo. Commercial Bank 2.12 2.50 681,370 30.12 52.77
St. Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 2.12 2.11 97,988 20.28 38.80
154 California Pacific Bank San Francisco Calif. Commercial Bank 2.11 3.34 80,748 4.98 42.41
James Polk Stone Community Bank Portales N.M. Commercial Bank 2.11 1.54 235,848 18.86 60.72
Premier Bank Rock Valley Iowa Commercial Bank 2.11 2.01 579,278 17.78 34.85
157 Security State Bank Sutherland Iowa Commercial Bank 2.10 2.29 231,867 19.62 43.10
158 Brunswick State Bank Brunswick Neb. Commercial Bank 2.09 1.50 134,390 25.44 43.23
Grand Timber Bank McGregor Minn. Commercial Bank 2.09 2.36 44,329 13.47 62.63
Manufacturers Bank & Trust Company Forest City Iowa Commercial Bank 2.09 1.57 369,416 15.07 54.45
Peoples Bank Taylorsville Ky. Commercial Bank 2.09 1.35 110,451 16.62 59.86
162 Coleman County State Bank Coleman Tex. Commercial Bank 2.08 1.75 128,139 21.22 63.17
First General Bank Rowland Heights Calif. Commercial Bank 2.08 2.36 977,852 13.97 30.40
McGehee Bank McGehee Ark. Commercial Bank 2.08 1.33 129,845 12.99 55.75
165 Bank of Columbia Columbia Ky. Commercial Bank 2.07 1.78 148,894 19.82 56.46
Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 2.07 0.97 111,724 18.57 42.85
Pine Island Bank Pine Island Minn. Commercial Bank 2.07 2.48 108,090 18.89 46.17
Senath State Bank Senath Mo. Commercial Bank 2.07 2.04 83,545 13.90 46.71
Union Bank of Mena Mena Ark. Commercial Bank 2.07 1.96 273,687 19.11 56.20
Welcome State Bank Welcome Minn. Commercial Bank 2.07 2.56 31,168 18.65 56.79
171 Cedar Valley Bank & Trust La Porte City Iowa Commercial Bank 2.06 0.85 71,638 23.65 60.41
Douglas National Bank Douglas Ga. Commercial Bank 2.06 2.65 188,904 16.70 54.67
Englewood Bank & Trust Englewood Fla. Commercial Bank 2.06 2.20 332,639 21.14 57.05
Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 2.06 2.27 88,581 24.78 55.08
First Bank Erick Okla. Commercial Bank 2.06 1.97 76,705 17.17 59.44
Freedom Bank Huntingburg Ind. Commercial Bank 2.06 2.13 456,122 19.38 43.19
Ultima Bank Minnesota Winger Minn. Commercial Bank 2.06 2.43 190,135 20.20 59.03
Wells Bank Platte City Mo. Commercial Bank 2.06 2.38 244,238 21.21 50.48
179 Bennington State Bank Salina Kan. Commercial Bank 2.05 1.55 732,399 17.17 41.19
First Community Bank of East Tennessee Rogersville Tenn. Commercial Bank 2.05 0.76 182,143 15.35 77.34
Kinmundy Bank Kinmundy Ill. Commercial Bank 2.05 1.78 49,851 15.14 41.80
182 Bank of the West Thomas Okla. Commercial Bank 2.04 2.47 153,650 15.49 55.67
F & C Bank Holden Mo. Commercial Bank 2.04 2.11 238,203 19.15 58.13
First Missouri State Bank Poplar Bluff Mo. Commercial Bank 2.04 1.37 182,347 21.97 51.64
SunMark Community Bank Hawkinsville Ga. Commercial Bank 2.04 1.25 289,608 17.92 64.38
186 Citizens State Bank Monticello Iowa Commercial Bank 2.03 1.81 421,605 14.97 43.50
First Bank & Trust Co. Duncan Okla. Commercial Bank 2.03 1.89 577,408 12.64 59.98
Great Plains Bank Eureka S.D. Commercial Bank 2.03 2.16 116,381 15.24 44.02
Nodaway Valley Bank Maryville Mo. Commercial Bank 2.03 1.92 958,539 14.38 56.30
Riverside Bank Sparkman Ark. Commercial Bank 2.03 2.36 60,404 21.75 57.51
191 Iowa Trust & Savings Bank Emmetsburg Iowa Commercial Bank 2.02 1.56 329,872 16.96 56.23
NSB Bank Mason City Iowa Commercial Bank 2.02 2.01 220,428 18.19 46.64
Tennessee State Bank Pigeon Forge Tenn. Commercial Bank 2.02 0.91 673,022 17.81 69.50
Wallis Bank Wallis Tex. Commercial Bank 2.02 2.47 838,108 17.09 56.37
195 First National Bank North Walker Minn. Commercial Bank 2.01 2.07 566,808 17.10 53.04
Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.01 2.29 295,845 25.32 59.29
Janesville State Bank Janesville Minn. Commercial Bank 2.01 1.80 73,982 15.63 49.99
North American Banking Company Roseville Minn. Commercial Bank 2.01 2.05 673,234 23.25 48.09
199 Security First National Bank of Hugo Hugo Okla. Commercial Bank 2.00 2.40 121,328 23.72 54.32
Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 2.00 2.21 144,363 18.34 50.50

Note: Independent banks and thrifts operating as of May 29, 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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