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Community Banks with the Highest Returns on Average Assets

May 24, 2021, 10:59 a.m. EDT 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
1Q 2021		 Return on
average assets
1Q 2020		 Total
assets		 Return on
average equity		 Efficiency
ratio
1 Bank of England England Ark. Commercial Bank 10.28 -0.57 $616,109 75.65 74.58
2 Brazos National Bank Richwood Tex. Commercial Bank 8.93 2.74 42,307 28.16 74.87
3 Willamette Valley Bank Salem Ore. Commercial Bank 8.00 3.62 371,908 46.88 61.83
4 Midwest Community Bank Freeport Ill. Commercial Bank 7.41 2.21 411,632 79.35 65.59
5 FinWise Bank Murray Utah Commercial Bank 6.84 4.59 325,576 48.86 43.44
6 First Security Bank and Trust Company Oklahoma City Okla. Commercial Bank 6.50 0.61 68,242 77.82 40.09
7 Hamlin Bank and Trust Company Smethport Pa. Commercial Bank 6.36 -8.69 452,736 30.38 53.59
8 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 6.31 0.90 97,778 75.69 28.48
9 First Community Bank of Tennessee Shelbyville Tenn. Commercial Bank 5.63 2.56 841,700 43.91 65.02
10 Magnolia Bank, Inc Magnolia Ky. Commercial Bank 5.49 2.17 522,511 48.95 79.27
11 Bank of Lake Mills Lake Mills Wis. Commercial Bank 5.42 2.55 263,899 43.00 33.18
12 Central Bank of Kansas City Kansas City Mo. Commercial Bank 5.09 4.38 325,569 38.69 53.90
13 Nebraska State Bank Oshkosh Neb. Commercial Bank 4.85 4.02 64,018 33.35 31.59
14 Allied First Bank, SB Oswego Ill. Savings Bank 4.81 3.27 159,161 37.96 92.54
15 Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 4.80 2.56 532,367 68.50 24.41
16 First Credit Bank Los Angeles Calif. Commercial Bank 4.56 3.79 438,345 10.20 17.70
17 The Citizens State Bank of Ouray Ouray Colo. Commercial Bank 4.33 -0.48 167,092 50.74 33.14
18 Apex Bank Camden Tenn. Commercial Bank 4.21 2.80 945,983 34.32 27.98
19 Crockett National Bank San Antonio Tex. Commercial Bank 4.20 2.31 840,313 30.40 62.52
20 Prairie Sun Bank Milan Minn. Commercial Bank 4.16 1.54 74,657 49.90 33.01
21 First State Bank of St. Charles, Missouri Saint Charles Mo. Commercial Bank 4.13 1.03 470,574 28.28 71.18
22 First Southern Bank Patterson Ga. Commercial Bank 4.11 -0.88 241,956 49.50 87.59
23 First State Bank Graham Tex. Commercial Bank 4.07 1.35 197,963 43.43 42.82
24 Anchor D Bank Texhoma Okla. Commercial Bank 4.03 1.72 243,635 31.91 58.01
25 Chambers State Bank Chambers Neb. Commercial Bank 4.01 1.79 71,957 16.88 28.80
26 Great Plains Bank Eureka S.D. Commercial Bank 4.00 2.03 140,978 31.36 30.38
27 The First State Bank Boise City Okla. Commercial Bank 3.99 2.30 98,265 47.49 33.72
28 Bank Northwest Hamilton Mo. Commercial Bank 3.94 2.19 202,013 45.52 30.40
29 Spring Valley Bank Wyoming Ohio Commercial Bank 3.90 4.75 93,795 10.58 32.37
30 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 3.89 2.82 61,108 44.14 32.69
First State Bank Farnam Neb. Commercial Bank 3.89 1.66 149,359 26.46 42.51
32 New Century Bank Belleville Kan. Commercial Bank 3.87 1.19 60,965 35.58 52.18
33 Collins State Bank Collins Wis. Commercial Bank 3.84 0.77 114,330 40.24 38.92
34 Dundee Bank Omaha Neb. Commercial Bank 3.82 1.24 413,956 41.38 44.30
35 Waterman State Bank Waterman Ill. Commercial Bank 3.80 0.18 69,383 35.30 73.37
36 State Bank of Wheaton Wheaton Minn. Commercial Bank 3.77 2.76 95,587 16.55 35.61
37 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 3.70 2.98 408,452 41.79 35.07
38 Prime Security Bank Karlstad Minn. Commercial Bank 3.68 0.96 100,807 41.64 37.42
The Farmers State Bank of Blue Mound Blue Mound Kan. Commercial Bank 3.68 1.14 52,551 21.23 45.34
40 Bank of Saint Elizabeth Saint Elizabeth Mo. Commercial Bank 3.67 1.75 185,390 31.23 46.91
41 Farmers & Stockmens Bank Clayton N.M. Commercial Bank 3.65 0.87 456,893 40.91 53.26
42 Peoples Community Bank Greenville Mo. Commercial Bank 3.60 2.97 593,569 20.26 33.84
43 The Bippus State Bank Huntington Ind. Commercial Bank 3.55 1.29 244,426 31.98 43.01
44 Bank of Prague Prague Neb. Commercial Bank 3.54 2.84 34,149 26.32 40.65
45 Madison Valley Bank Ennis Mont. Commercial Bank 3.52 1.23 240,654 44.18 48.07
Sandhills State Bank Bassett Neb. Commercial Bank 3.52 0.87 333,507 33.13 42.68
47 BANK Wapello Iowa Commercial Bank 3.47 0.63 110,444 26.24 50.94
First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 3.47 2.34 95,029 25.07 21.44
Sherburne State Bank Becker Minn. Commercial Bank 3.47 1.87 202,823 44.90 40.60
50 Atkins Savings Bank & Trust Atkins Iowa Commercial Bank 3.46 1.49 122,941 28.78 28.67
Red River State Bank Halstad Minn. Commercial Bank 3.46 1.73 123,723 37.54 35.00
52 High Plains Bank Flagler Colo. Commercial Bank 3.40 1.43 277,519 40.31 46.28
53 Citizens State Bank Norwood Young America Norwood Young America Minn. Commercial Bank 3.37 1.17 108,853 28.32 41.78
54 Durden Banking Company, Incorporated Twin City Ga. Commercial Bank 3.32 2.17 227,994 22.14 45.56
55 Peoples Bank Mendenhall Miss. Commercial Bank 3.31 1.90 417,454 34.55 47.62
56 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 3.30 2.25 105,894 32.29 43.88
57 First Bank Erick Okla. Commercial Bank 3.27 2.06 92,589 28.61 46.91
Security State Bank Cheyenne Okla. Commercial Bank 3.27 1.33 245,342 26.97 39.23
59 Timberline Bank Grand Junction Colo. Commercial Bank 3.25 0.25 604,770 43.98 41.05
United Citizens Bank of Southern Kentucky, Inc. Columbia Ky. Commercial Bank 3.25 1.63 181,911 24.75 37.16
61 Bank of Montana Missoula Mont. Commercial Bank 3.23 2.94 167,997 35.94 33.89
State Savings Bank Creston Iowa Commercial Bank 3.23 1.90 152,730 35.21 34.20
63 Continental Bank Salt Lake City Utah Commercial Bank 3.20 0.01 297,189 28.72 48.22
64 Quantum National Bank Suwanee Ga. Commercial Bank 3.18 2.55 638,118 31.53 45.34
65 ESB Bank Caledonia Minn. Commercial Bank 3.15 2.12 137,798 31.23 39.81
First Bank Burkburnett Tex. Commercial Bank 3.15 1.61 568,443 27.38 62.30
67 Farmers National Bank of Griggsville Griggsville Ill. Commercial Bank 3.14 1.34 119,022 30.96 45.33
North Shore Bank of Commerce Duluth Minn. Commercial Bank 3.14 1.11 384,742 29.37 59.53
69 American State Bank Osceola Iowa Commercial Bank 3.13 1.64 261,956 31.70 41.28
FNB South Alma Ga. Commercial Bank 3.13 2.79 469,700 20.93 38.07
71 First Bank of Owasso Owasso Okla. Commercial Bank 3.12 2.19 575,145 30.29 34.12
72 Crown Bank Elizabeth N.J. Commercial Bank 3.11 2.74 562,035 14.78 38.72
73 First National Bank in Philip Philip S.D. Commercial Bank 3.10 1.60 322,613 24.23 33.24
WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 3.10 3.42 569,485 32.57 41.11
75 Community State Bank Spencer Iowa Commercial Bank 3.09 1.36 244,028 29.76 30.35
76 Texas Bank Financial Weatherford Tex. Commercial Bank 3.08 2.48 590,109 29.20 52.85
77 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 3.07 3.09 266,764 22.95 43.65
78 Bank of Elgin Elgin Neb. Commercial Bank 3.06 2.19 67,965 21.41 39.33
First State Bank Nashua Iowa Commercial Bank 3.06 1.45 57,667 26.45 32.03
80 Bank of Zumbrota Zumbrota Minn. Commercial Bank 3.05 1.72 193,433 24.82 56.81
LINKBANK Camp Hill Pa. Commercial Bank 3.05 -4.17 421,062 25.37 92.74
Mid-America Bank Baldwin City Kan. Commercial Bank 3.05 1.09 300,656 32.34 40.00
83 The Bank of Old Monroe Old Monroe Mo. Commercial Bank 3.03 3.72 537,416 22.34 41.68
84 Charter Bank Corpus Christi Tex. Commercial Bank 3.02 3.22 351,768 30.93 45.84
85 Paradise Bank Boca Raton Fla. Commercial Bank 2.98 1.17 375,100 31.07 48.65
VisionBank Saint Louis Park Minn. Commercial Bank 2.98 1.50 193,321 45.56 29.17
Western State Bank Garden City Kan. Commercial Bank 2.98 2.59 568,612 25.21 39.75
88 Chickasaw Community Bank Oklahoma City Okla. Commercial Bank 2.96 0.50 287,748 26.74 63.58
EvaBank Cullman Ala. Commercial Bank 2.96 1.71 423,649 10.67 35.39
The Bank of Kremlin Kremlin Okla. Commercial Bank 2.96 1.36 342,892 25.65 39.12
91 Roundbank Waseca Minn. Commercial Bank 2.95 2.17 402,712 26.13 54.62
State Bank of New Richland New Richland Minn. Commercial Bank 2.95 2.17 111,984 29.42 36.18
93 Wood & Huston Bank Marshall Mo. Commercial Bank 2.94 1.49 965,864 28.63 46.88
94 CBW Bank Weir Kan. Commercial Bank 2.93 2.28 92,161 16.27 63.28
CNB Bank Carlsbad N.M. Commercial Bank 2.93 2.41 495,916 31.71 41.68
96 Flagler Bank West Palm Beach Fla. Commercial Bank 2.92 1.76 458,967 31.32 33.67
White State Bank South English Iowa Commercial Bank 2.92 1.51 47,339 18.30 32.64
98 Ultima Bank Minnesota Winger Minn. Commercial Bank 2.91 2.06 213,355 28.72 50.88
99 The Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 2.89 2.18 959,751 26.18 45.30
100 Bank of Mauston Mauston Wis. Commercial Bank 2.88 2.64 364,382 19.72 38.87
Rock Canyon Bank Provo Utah Commercial Bank 2.88 1.51 712,297 31.22 44.70
102 State Bank of Taunton Taunton Minn. Commercial Bank 2.86 0.66 54,246 27.74 56.68
103 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 2.82 1.96 286,705 30.51 42.09
104 Bank of Western Oklahoma Elk City Okla. Commercial Bank 2.81 1.52 349,853 33.86 45.45
105 Park State Bank Duluth Minn. Commercial Bank 2.80 1.39 267,349 33.21 44.98
106 Farmers State Bank Phillipsburg Kan. Commercial Bank 2.79 0.79 36,530 23.92 50.22
First State Bank of Beecher City Beecher City Ill. Commercial Bank 2.79 2.28 92,222 21.37 42.56
108 First State Bank Gothenburg Neb. Commercial Bank 2.77 2.37 778,109 25.07 35.57
109 Woodford State Bank Monroe Wis. Commercial Bank 2.76 1.68 314,568 30.76 48.53
110 First Fidelity Bank Burke S.D. Commercial Bank 2.75 1.55 465,831 28.34 42.45
Pine Island Bank Pine Island Minn. Commercial Bank 2.75 2.07 116,632 25.78 38.11
112 Bank of Hartington Hartington Neb. Commercial Bank 2.74 1.32 118,240 30.29 49.28
Little Horn State Bank Hardin Mont. Commercial Bank 2.74 0.85 132,391 29.73 43.07
114 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 2.73 2.39 304,815 29.54 36.81
Great American Bank Lawrence Kan. Commercial Bank 2.73 1.92 247,068 20.45 47.45
The National Bank of Andrews Andrews Tex. Commercial Bank 2.73 1.59 250,371 27.18 51.30
117 Lake Area Bank Lindstrom Minn. Commercial Bank 2.72 2.64 441,020 23.17 77.55
118 Campbell County Bank Herreid S.D. Commercial Bank 2.71 1.89 134,530 16.07 43.02
The Payne County Bank Perkins Okla. Commercial Bank 2.71 2.30 205,015 15.54 43.02
120 Feliciana Bank & Trust Company Clinton La. Commercial Bank 2.70 1.15 144,654 24.86 49.52
121 Banner Capital Bank Harrisburg Neb. Commercial Bank 2.69 0.77 231,841 27.52 48.30
The Bank of Deerfield Deerfield Wis. Commercial Bank 2.69 2.16 177,004 22.69 46.03
123 Security State Bank Tyndall S.D. Commercial Bank 2.68 1.80 254,234 27.09 45.41
124 Citizens Bank Minnesota New Ulm Minn. Commercial Bank 2.67 0.67 580,265 29.27 38.48
125 Cedar Valley Bank & Trust La Porte City Iowa Commercial Bank 2.66 2.06 94,014 33.34 44.51
First National Bank and Trust Phillipsburg Kan. Commercial Bank 2.66 1.20 263,844 17.78 47.32
SNB Bank, National Association Shattuck Okla. Commercial Bank 2.66 0.43 140,460 30.29 47.41
128 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 2.65 2.43 81,595 16.85 46.14
PromiseOne Bank Duluth Ga. Commercial Bank 2.65 1.41 544,796 22.84 40.20
The First National Bank of Bangor Bangor Wis. Commercial Bank 2.65 2.41 265,571 9.21 18.93
131 Citizens First Bank Viroqua Wis. Commercial Bank 2.63 1.41 263,789 22.01 42.11
Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 2.63 2.07 130,924 25.14 42.07
North Valley Bank Thornton Colo. Commercial Bank 2.63 2.69 216,813 23.43 43.99
NSB Bank Mason City Iowa Commercial Bank 2.63 2.02 241,062 30.89 37.78
135 Valor Bank Edmond Okla. Commercial Bank 2.62 1.34 151,692 33.82 62.99
136 ACB Bank Cherokee Okla. Commercial Bank 2.61 0.65 125,169 21.37 42.68
Platte Valley Bank Torrington Wyo. Commercial Bank 2.61 1.57 548,268 26.04 45.00
138 T Bank, National Association Dallas Tex. Commercial Bank 2.60 1.96 532,130 21.84 55.47
139 Coffee County Bank Manchester Tenn. Commercial Bank 2.59 2.34 233,572 23.33 43.32
Marlin Business Bank Salt Lake City Utah Commercial Bank 2.59 -3.21 880,319 16.67 70.09
The Gunnison Bank and Trust Company Gunnison Colo. Commercial Bank 2.59 1.87 171,670 29.00 44.29
142 Chesterfield State Bank Chesterfield Ill. Commercial Bank 2.58 0.39 21,205 25.59 51.33
Commercial State Bank Wausa Neb. Commercial Bank 2.58 1.13 167,001 27.85 41.36
Dakota Prairie Bank Fort Pierre S.D. Commercial Bank 2.58 1.23 119,939 24.48 46.91
Flatirons Bank Boulder Colo. Commercial Bank 2.58 1.23 296,589 28.00 47.46
146 BLC Community Bank Little Chute Wis. Commercial Bank 2.57 1.81 327,631 22.82 40.69
Security Bank Laurel Neb. Commercial Bank 2.57 1.51 281,685 21.77 51.95
Town & Country Bank Ravenna Neb. Commercial Bank 2.57 1.31 183,408 19.88 41.91
149 Community State Bank Bradley Ark. Commercial Bank 2.56 1.35 29,622 22.31 50.48
Farmers and Merchants Bank Baldwyn Miss. Commercial Bank 2.56 1.49 436,159 18.78 50.66
Peoples State Bank Cherryvale Kan. Commercial Bank 2.56 5.28 18,051 9.77 54.00
The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.56 2.13 106,365 23.43 48.29
153 Grant County State Bank Swayzee Ind. Commercial Bank 2.55 2.63 226,618 21.32 26.86
154 Bank of Alma Alma Wis. Commercial Bank 2.54 2.39 291,937 5.94 12.52
Grand Bank Tulsa Okla. Commercial Bank 2.54 1.33 467,118 21.54 41.06
The Bank of the West Thomas Okla. Commercial Bank 2.54 2.04 160,106 19.55 51.19
West Gate Bank Lincoln Neb. Commercial Bank 2.54 1.56 961,325 22.03 52.63
158 BankVista Sartell Minn. Commercial Bank 2.53 1.00 469,849 33.79 40.88
State Bank of Industry Industry Ill. Commercial Bank 2.53 1.41 59,657 17.15 43.20
160 Farmers and Merchants Bank Milligan Neb. Commercial Bank 2.52 1.81 136,772 21.46 35.36
161 Adrian Bank Adrian Mo. Commercial Bank 2.51 2.84 173,619 22.15 37.96
Citizens Savings Bank Marshalltown Iowa Commercial Bank 2.51 1.21 74,735 34.12 45.37
Connect Bank Star City Ark. Commercial Bank 2.51 1.18 108,688 16.86 54.82
Evolve Bank & Trust Memphis Tenn. Commercial Bank 2.51 0.75 670,844 29.45 82.25
Murphy Bank Fresno Calif. Commercial Bank 2.51 1.74 328,425 21.92 42.90
166 Central State Bank Clayton Ill. Commercial Bank 2.50 1.72 177,098 18.77 46.02
Coulee Bank La Crosse Wis. Commercial Bank 2.50 0.76 489,133 27.45 61.59
Security State Bank of Wanamingo, Incorporated Wanamingo Minn. Commercial Bank 2.50 1.12 74,631 20.33 51.74
Texas National Bank Mercedes Tex. Commercial Bank 2.50 1.19 469,318 32.70 48.63
170 The Equitable Bank, S.S.B. Wauwatosa Wis. Savings Bank 2.49 0.12 302,507 27.30 67.15
171 Brighton Bank Salt Lake City Utah Commercial Bank 2.48 2.35 282,262 23.19 48.82
Home Bank of California San Diego Calif. Commercial Bank 2.48 1.82 203,180 20.00 49.02
The Cornerstone Bank South West City Mo. Commercial Bank 2.48 1.50 167,394 19.85 55.12
174 Coleman County State Bank Coleman Tex. Commercial Bank 2.47 2.08 159,067 27.46 58.35
First Eagle Bank Chicago Ill. Commercial Bank 2.47 2.18 596,906 13.24 37.67
176 Freedom Bank Huntingburg Ind. Commercial Bank 2.46 2.06 538,514 23.61 36.32
HNB National Bank Hannibal Mo. Commercial Bank 2.46 4.01 671,724 19.60 45.55
International Bank of Chicago Chicago Ill. Commercial Bank 2.46 0.91 837,618 22.92 46.05
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 2.46 2.45 457,468 28.20 49.68
180 Arcadian Bank Hartland Minn. Commercial Bank 2.45 1.71 174,928 18.87 55.84
Integrity Bank Plus Wabasso Minn. Commercial Bank 2.45 1.22 84,445 23.76 52.75
The Bank of Tescott Tescott Kan. Commercial Bank 2.45 1.19 435,345 17.21 40.91
Wadena State Bank Wadena Minn. Commercial Bank 2.45 1.74 215,735 24.65 45.01
184 Community Bank, Lexington, Tennessee Lexington Tenn. Commercial Bank 2.44 1.11 188,913 25.43 48.68
Millennium Bank Des Plaines Ill. Commercial Bank 2.44 1.47 244,454 22.37 55.07
PrinsBank Prinsburg Minn. Commercial Bank 2.44 2.27 173,641 17.21 51.40
Riverside Bank Sparkman Ark. Commercial Bank 2.44 2.03 62,210 27.48 52.97
The Citizens Bank of Edina Edina Mo. Commercial Bank 2.44 2.55 84,116 20.60 33.80
189 Cleveland State Bank Cleveland Wis. Commercial Bank 2.43 1.34 172,241 23.36 44.42
Farmers & Merchants Bank of Colby Colby Kan. Commercial Bank 2.43 1.79 290,790 18.38 28.96
FirsTier Bank Kimball Neb. Commercial Bank 2.43 1.70 587,835 21.82 43.04
192 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 2.42 2.13 212,677 21.78 34.16
Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 2.42 1.88 988,958 28.59 46.21
The Bank of Grain Valley Kansas City Mo. Commercial Bank 2.42 1.72 105,863 11.99 42.52
The Commercial Bank Crawford Ga. Commercial Bank 2.42 1.91 344,106 28.78 44.07
196 Adams State Bank Adams Neb. Commercial Bank 2.41 1.47 59,034 13.79 43.76
CenBank Buffalo Lake Minn. Commercial Bank 2.41 1.10 78,476 32.41 54.68
First State Bank of Bigfork Bigfork Minn. Commercial Bank 2.41 0.87 92,542 22.65 51.60
199 Ashton State Bank Ashton Iowa Commercial Bank 2.40 0.97 54,189 18.87 39.65
Bank of Salem Salem Ark. Commercial Bank 2.40 1.97 172,746 22.27 50.72

Note: Independent banks and thrifts operating as of May 21, 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

Source:

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

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