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Community banking

Community Banks with the Highest Returns on Average Assets

May 23, 2022, 2:49 p.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 2022		 Return on
 average assets
1Q 2021		 Total
assets($000)		 Return on
average equity		 Efficiency
 ratio
1 FinWise Bank Murray Utah Commercial Bank 11.07 6.84 $419,777 57.48 32.43
2 Pulaski Savings Bank Chicago Ill. Savings Bank 6.85 0.07 50,576 69.88 29.83
3 Frontier State Bank Oklahoma City Okla. Commercial Bank 6.49 1.79 494,757 44.26 20.18
4 Peoples Bank Mendenhall Miss. Commercial Bank 4.79 3.31 444,874 41.83 52.46
5 First Bank Erick Okla. Commercial Bank 4.74 2.89 100,787 46.23 34.01
6 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 4.48 3.47 93,663 31.45 16.29
7 First Credit Bank Los Angeles Calif. Commercial Bank 4.24 4.56 498,852 10.19 15.16
8 Spring Valley Bank Wyoming Ohio Commercial Bank 3.70 3.90 82,272 9.74 35.85
9 Apex Bank Camden Tenn. Commercial Bank 3.58 4.21 980,372 26.00 30.12
10 Capital Community Bank Provo Utah Commercial Bank 3.56 2.27 527,650 24.22 38.79
11 Charter Bank Corpus Christi Tex. Commercial Bank 3.54 3.02 314,209 41.79 45.63
12 Millennium Bank Des Plaines Ill. Commercial Bank 3.52 2.44 291,215 29.45 47.52
13 Crown Bank Elizabeth N.J. Commercial Bank 3.36 3.11 569,908 15.64 33.99
14 Farmers & Merchants Union Bank Columbus Wis. Commercial Bank 3.18 1.23 431,467 25.86 49.32
15 BOM Bank Natchitoches La. Commercial Bank 3.11 1.91 726,346 34.50 45.91
16 Prime Alliance Bank Woods Cross Utah Commercial Bank 3.08 1.46 579,837 27.09 24.60
17 Nebraska State Bank Oshkosh Neb. Commercial Bank 2.99 4.85 70,500 21.83 39.68
18 Peoples State Bank Cherryvale Kan. Commercial Bank 2.90 2.56 18,154 11.20 52.35
19 Heritage Bank Minnesota West Concord Minn. Commercial Bank 2.89 0.77 80,286 37.70 52.72
20 Stone Bank Mountain View Ark. Commercial Bank 2.78 1.41 590,941 25.46 46.79
21 First Community Bank of Tennessee Shelbyville Tenn. Commercial Bank 2.75 5.63 737,157 19.25 45.13
22 The Bippus State Bank Huntington Ind. Commercial Bank 2.74 3.55 283,016 23.96 50.40
23 M1 Bank Clayton Mo. Commercial Bank 2.70 1.88 671,981 30.31 -12.88
The Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 2.70 2.89 941,868 24.96 46.11
25 Murphy Bank Fresno Calif. Commercial Bank 2.67 2.51 359,480 22.58 42.61
26 Meramec Valley Bank Ellisville Mo. Commercial Bank 2.66 1.26 150,748 33.75 55.37
27 The First National Bank of Eldorado Eldorado Tex. Commercial Bank 2.65 1.62 76,575 16.12 54.47
WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 2.65 3.10 606,305 29.80 44.95
29 Coffee County Bank Manchester Tenn. Commercial Bank 2.63 2.59 264,373 25.86 47.37
30 Midwest Bank Detroit Lakes Minn. Commercial Bank 2.60 1.76 677,149 30.98 53.75
31 Willamette Valley Bank Salem Ore. Commercial Bank 2.59 8.00 407,319 14.30 76.75
32 EvaBank Cullman Ala. Commercial Bank 2.55 2.96 422,144 8.90 41.70
33 Central Bank of Kansas City Kansas City Mo. Commercial Bank 2.54 5.09 326,664 19.76 76.44
34 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 2.53 3.70 465,702 28.02 45.51
35 Peoples Community Bank Greenville Mo. Commercial Bank 2.52 3.60 643,433 14.85 40.96
VisionBank Saint Louis Park Minn. Commercial Bank 2.52 2.98 182,310 30.07 35.00
37 First IC Bank Doraville Ga. Commercial Bank 2.51 1.49 996,527 23.19 43.35
38 First Eagle Bank Chicago Ill. Commercial Bank 2.49 2.47 595,497 13.58 37.56
39 PromiseOne Bank Duluth Ga. Commercial Bank 2.48 2.65 584,632 22.01 45.17
Security State Bank Sutherland Iowa Commercial Bank 2.48 1.85 318,466 25.76 36.01
41 FNB South Alma Ga. Commercial Bank 2.46 3.13 544,484 17.01 39.58
The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.46 2.56 120,745 23.36 48.17
43 Premier Bank Rock Valley Iowa Commercial Bank 2.44 2.17 551,797 18.01 29.76
44 Farmers and Merchants State Bank of Appleton Appleton Minn. Commercial Bank 2.40 1.42 61,997 21.78 38.45
45 New Century Bank Belleville Kan. Commercial Bank 2.39 3.87 60,428 18.35 66.20
46 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 2.37 3.07 295,066 18.40 49.46
North Valley Bank Thornton Colo. Commercial Bank 2.37 2.63 229,171 21.08 44.69
48 Grant County State Bank Swayzee Ind. Commercial Bank 2.35 2.55 274,655 21.25 27.41
49 Farmers & Merchants Bank of Colby Colby Kan. Commercial Bank 2.32 2.43 335,132 16.08 26.78
Quantum National Bank Suwanee Ga. Commercial Bank 2.32 3.18 679,507 23.68 47.82
51 ACB Bank Cherokee Okla. Commercial Bank 2.31 2.61 122,974 18.55 41.16
Bank of George Las Vegas Nev. Commercial Bank 2.31 1.04 626,352 15.67 54.88
53 Home State Bank Jefferson Iowa Commercial Bank 2.30 1.72 348,640 26.88 51.93
54 Pinnacle Bank Marshalltown Iowa Commercial Bank 2.29 2.30 281,732 15.31 31.23
55 The Jefferson Bank Greenville Miss. Commercial Bank 2.27 1.79 145,293 14.44 37.03
56 Home Bank of California San Diego Calif. Commercial Bank 2.26 2.48 203,570 17.15 52.43
57 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 2.25 2.63 127,704 22.83 46.56
58 NewFirst National Bank El Campo Tex. Commercial Bank 2.22 2.34 941,177 21.99 46.83
The Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.22 2.54 344,368 18.29 46.34
60 Continental Bank Salt Lake City Utah Commercial Bank 2.21 3.20 209,290 14.51 62.83
PrinsBank Prinsburg Minn. Commercial Bank 2.21 2.44 183,395 15.61 60.57
62 Arcadian Bank Hartland Minn. Commercial Bank 2.20 2.45 187,321 17.21 54.34
Main Bank Albuquerque N.M. Commercial Bank 2.20 2.12 249,108 28.04 37.98
64 CNB Bank Carlsbad N.M. Commercial Bank 2.19 2.93 493,147 24.94 51.23
T Bank, National Association Dallas Tex. Commercial Bank 2.19 2.60 561,235 14.64 63.84
The Bank of Advance Advance Mo. Commercial Bank 2.19 2.00 441,444 18.35 47.50
67 Odin State Bank Odin Minn. Commercial Bank 2.18 1.38 53,961 23.68 49.87
68 The First National Bank of Lindsay Lindsay Okla. Commercial Bank 2.17 1.58 83,885 18.96 40.19
69 Pioneer Community Bank, Inc. Iaeger W.Va. Commercial Bank 2.15 0.96 149,678 17.49 62.28
State Bank of New Richland New Richland Minn. Commercial Bank 2.15 2.95 109,310 21.32 43.16
71 California Pacific Bank San Francisco Calif. Commercial Bank 2.13 1.70 92,999 5.39 36.58
Citizens Community Bank Winchester Tenn. Commercial Bank 2.13 1.31 307,924 19.25 39.96
Frontier Bank of Texas Elgin Tex. Commercial Bank 2.13 1.29 634,245 22.54 51.04
74 Bank of Alma Alma Wis. Commercial Bank 2.12 2.54 293,650 4.69 13.08
Great Plains Bank Eureka S.D. Commercial Bank 2.12 4.00 144,399 17.12 37.99
Waypoint Bank Cozad Neb. Commercial Bank 2.12 2.33 356,601 22.06 46.12
77 Goodfield State Bank Goodfield Ill. Commercial Bank 2.11 2.05 179,405 18.25 50.00
78 Auburn Banking Company Auburn Ky. Commercial Bank 2.09 1.37 111,011 26.76 53.84
The Commercial Bank Crawford Ga. Commercial Bank 2.09 2.42 405,190 30.87 45.97
80 Financial Federal Bank Memphis Tenn. Commercial Bank 2.08 2.06 818,973 17.89 41.57
First Bank Blue Earth Blue Earth Minn. Commercial Bank 2.08 1.70 310,117 28.08 55.33
82 Brighton Bank Salt Lake City Utah Commercial Bank 2.07 2.48 328,537 23.12 52.07
The Bank of Hemet Riverside Calif. Commercial Bank 2.07 2.12 998,450 23.06 39.99
84 Simmesport State Bank Mansura La. Commercial Bank 2.06 1.88 162,960 20.91 45.57
85 Community Bank of Easton Easton Ill. Commercial Bank 2.05 2.00 42,793 9.63 26.96
Douglas National Bank Douglas Ga. Commercial Bank 2.05 2.39 261,448 22.67 53.53
First Western Bank Booneville Ark. Commercial Bank 2.05 1.38 585,291 22.83 50.70
88 Bank of Mauston Mauston Wis. Commercial Bank 2.04 2.88 396,694 19.35 42.25
The First National Bank of Bangor Bangor Wis. Commercial Bank 2.04 2.65 281,634 7.99 24.56
90 Bank of Perry County Lobelville Tenn. Commercial Bank 2.03 1.71 209,788 23.26 51.56
Mid-America Bank Baldwin City Kan. Commercial Bank 2.03 3.05 319,537 19.36 48.14
Solutions North Bank Stockton Kan. Commercial Bank 2.03 2.01 330,092 18.51 60.73
93 Commercial Bank Ithaca Mich. Commercial Bank 2.02 1.30 626,889 22.65 43.82
94 First State Bank Clute Tex. Commercial Bank 2.01 1.97 280,241 22.76 53.18
Highland Bank Saint Michael Minn. Commercial Bank 2.01 2.15 646,263 20.71 56.34
Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.01 2.28 453,814 13.97 42.47
Security State Bank Farwell Tex. Commercial Bank 2.01 1.78 254,815 21.80 40.32
98 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.00 3.89 78,834 23.27 46.58
99 Pony Express Bank Liberty Mo. Commercial Bank 1.99 2.23 320,346 22.05 50.56
Riverside Bank Sparkman Ark. Commercial Bank 1.99 2.44 63,106 21.86 59.22
The Payne County Bank Perkins Okla. Commercial Bank 1.99 2.71 214,563 12.90 51.23
The Union Bank of Mena Mena Ark. Commercial Bank 1.99 1.99 348,430 21.60 52.46
103 Bank of Salem Salem Ark. Commercial Bank 1.98 2.40 177,643 18.85 54.82
Dundee Bank Omaha Neb. Commercial Bank 1.98 3.82 510,150 21.43 52.59
F & C Bank Holden Mo. Commercial Bank 1.98 2.00 308,293 19.27 57.92
Rock Canyon Bank Provo Utah Commercial Bank 1.98 2.88 809,662 22.19 52.41
Security First National Bank of Hugo Hugo Okla. Commercial Bank 1.98 2.14 138,353 23.22 53.58
The First State Bank Boise City Okla. Commercial Bank 1.98 3.99 98,478 24.07 49.05
109 All America Bank Oklahoma City Okla. Commercial Bank 1.97 1.76 475,496 19.64 54.36
First Freedom Bank Lebanon Tenn. Commercial Bank 1.97 1.41 612,321 19.22 42.40
High Plains Bank Keyes Okla. Commercial Bank 1.97 2.25 156,335 14.97 45.94
UniBank Lynnwood Wash. Commercial Bank 1.97 1.69 479,047 12.88 51.41
113 Northeast Bank Minneapolis Minn. Commercial Bank 1.96 1.50 758,212 23.80 50.20
United Community Bank Raceland La. Commercial Bank 1.96 2.11 728,054 16.18 56.21
Welch State Bank of Welch, Okla. Welch Okla. Commercial Bank 1.96 2.15 356,939 19.39 58.49
116 BOC Bank Amarillo Tex. Commercial Bank 1.95 1.76 146,246 22.91 45.65
Community Bank Longview Tex. Commercial Bank 1.95 2.11 290,645 18.74 42.79
First Bank Burkburnett Tex. Commercial Bank 1.95 3.15 615,862 16.21 74.92
First Bank of Ohio Tiffin Ohio Commercial Bank 1.95 1.89 274,265 6.66 27.50
InsBank Nashville Tenn. Commercial Bank 1.95 0.98 722,326 18.65 40.15
The Commercial National Bank of Brady Brady Tex. Commercial Bank 1.95 1.30 222,228 22.73 60.31
122 First Iowa State Bank Albia Iowa Commercial Bank 1.94 1.80 189,230 20.96 46.70
123 Henderson State Bank Henderson Neb. Commercial Bank 1.93 1.53 277,695 15.30 43.62
The Idabel National Bank Idabel Okla. Commercial Bank 1.93 2.23 223,949 18.97 29.88
Truxton Trust Company Nashville Tenn. Commercial Bank 1.93 1.65 862,695 21.47 49.02
126 Bank of Prague Prague Neb. Commercial Bank 1.92 3.54 37,133 16.46 55.96
BankVista Sartell Minn. Commercial Bank 1.92 2.53 458,125 19.66 49.62
First United Bank Park River N.D. Commercial Bank 1.92 1.03 362,583 23.94 61.68
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 1.92 2.09 743,369 17.74 36.16
SouthernTrust Bank Marion Ill. Commercial Bank 1.92 0.75 215,123 17.55 44.54
The City National Bank and Trust Company of Lawton, Oklahoma Lawton Okla. Commercial Bank 1.92 1.92 422,456 15.33 80.11
132 First Bank of the Lake Osage Beach Mo. Commercial Bank 1.91 1.79 529,972 31.64 73.00
First National Bank Oldham S.D. Commercial Bank 1.91 1.84 401,208 14.67 50.65
134 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 1.90 2.39 259,311 21.72 58.17
CS Bank Eureka Springs Ark. Commercial Bank 1.90 1.54 490,797 20.35 57.50
First Central Savings Bank Glen Cove N.Y. Savings Bank 1.90 0.65 805,985 20.31 50.75
FMS Bank Fort Morgan Colo. Commercial Bank 1.90 1.79 262,839 19.51 65.64
Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 1.90 2.20 367,443 13.73 39.93
The Peoples Bank Magnolia Ark. Commercial Bank 1.90 2.35 232,445 17.29 58.31
140 Red River State Bank Halstad Minn. Commercial Bank 1.89 3.46 133,348 19.00 38.10
141 Carson Community Bank Stilwell Okla. Commercial Bank 1.88 0.69 168,096 23.36 62.59
Central State Bank Calera Ala. Commercial Bank 1.88 1.67 485,209 19.98 53.14
Citizens State Bank Miles Tex. Commercial Bank 1.88 1.89 215,521 21.33 48.28
Tolleson Private Bank Dallas Tex. Commercial Bank 1.88 2.14 993,720 26.74 45.96
University Bank Ann Arbor Mich. Commercial Bank 1.88 6.68 480,111 13.30 87.50
146 Bank of Newington Newington Ga. Commercial Bank 1.87 1.28 181,571 20.63 54.97
First Community Bank Milton Wis. Commercial Bank 1.87 1.96 136,849 21.09 50.76
Flagler Bank West Palm Beach Fla. Commercial Bank 1.87 2.92 501,912 20.70 39.93
149 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 1.86 2.24 945,409 22.53 54.06
Midstates Bank, National Association Council Bluffs Iowa Commercial Bank 1.86 1.00 655,934 21.28 62.82
MRV Banks Sainte Genevieve Mo. Commercial Bank 1.86 1.73 630,796 20.49 39.28
Prime Security Bank Karlstad Minn. Commercial Bank 1.86 3.67 107,304 20.71 55.98
Solera National Bank Lakewood Colo. Commercial Bank 1.86 1.67 721,946 23.00 35.84
Solomon State Bank Solomon Kan. Commercial Bank 1.86 1.43 197,282 11.48 42.77
155 American Plus Bank, National Association Arcadia Calif. Commercial Bank 1.85 1.77 584,089 10.65 34.16
Bank Northwest Hamilton Mo. Commercial Bank 1.85 3.94 201,686 21.52 47.90
The Bank of the West Thomas Okla. Commercial Bank 1.85 2.54 170,662 14.61 56.92
Town and Country Bank Springfield Ill. Commercial Bank 1.85 1.35 895,160 17.38 54.43
159 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 1.84 2.65 80,447 11.50 56.93
South Georgia Bank Glennville Ga. Commercial Bank 1.84 1.87 212,458 17.97 53.65
The First National Bank at Paris Paris Ark. Commercial Bank 1.84 1.84 239,443 15.66 60.03
162 Bank of Saint Elizabeth Saint Elizabeth Mo. Commercial Bank 1.83 3.67 228,032 11.55 52.98
First State Bank Irvington Ky. Commercial Bank 1.83 1.33 258,268 17.06 48.04
Kearny County Bank Lakin Kan. Commercial Bank 1.83 1.55 263,946 12.30 58.38
The Buckholts State Bank Buckholts Tex. Commercial Bank 1.83 1.34 107,694 12.50 47.24
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 1.83 2.46 526,636 24.03 52.67
167 Primebank Le Mars Iowa Commercial Bank 1.82 1.97 570,437 17.10 48.08
Rayne State Bank & Trust Company Rayne La. Commercial Bank 1.82 2.02 489,155 16.73 54.47
Town and Country Bank Midwest Quincy Ill. Commercial Bank 1.82 2.07 218,847 16.57 52.04
170 Osgood Bank Osgood Ohio Commercial Bank 1.81 1.48 358,382 19.61 53.92
171 Peoples Bank and Trust Company of Pointe Coupee Parish New Roads La. Commercial Bank 1.80 1.80 382,468 12.71 43.67
Peoples State Bank of Velva Velva N.D. Commercial Bank 1.80 0.63 141,733 20.01 62.17
Ultima Bank Minnesota Winger Minn. Commercial Bank 1.80 2.91 211,768 16.84 62.83
174 Citizens State Bank Corrigan Tex. Commercial Bank 1.79 2.00 162,773 18.36 52.12
Fredonia Valley Bank Fredonia Ky. Commercial Bank 1.79 1.14 102,472 15.92 50.48
Kentucky Farmers Bank Corporation Ashland Ky. Commercial Bank 1.79 2.23 256,495 10.81 55.84
New Era Bank Fredericktown Mo. Commercial Bank 1.79 1.31 426,548 17.09 55.02
178 First State Bank Gothenburg Neb. Commercial Bank 1.78 2.77 861,227 17.35 41.04
The Bennington State Bank Salina Kan. Commercial Bank 1.78 1.61 956,709 18.43 42.82
180 Anstaff Bank Green Forest Ark. Commercial Bank 1.77 1.41 986,343 20.84 52.19
Central State Bank Clayton Ill. Commercial Bank 1.77 2.50 179,517 13.25 53.47
Grand Ridge National Bank Grand Ridge Ill. Commercial Bank 1.77 1.39 314,255 15.10 49.55
183 Atkins Savings Bank & Trust Atkins Iowa Commercial Bank 1.76 3.46 122,447 15.92 42.78
Community Bank Winslow Ill. Commercial Bank 1.76 1.74 253,941 12.05 37.32
Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 1.76 2.10 262,126 19.20 55.46
FBT Bank & Mortgage Fordyce Ark. Commercial Bank 1.76 2.76 206,752 19.21 61.25
Freedom Bank Huntingburg Ind. Commercial Bank 1.76 2.46 559,682 16.97 44.59
People's Bank and Trust Company of Pickett County Byrdstown Tenn. Commercial Bank 1.76 1.90 214,343 16.30 51.61
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 1.76 3.30 111,707 17.30 55.77
Security State Bank of Wanamingo, Incorporated Wanamingo Minn. Commercial Bank 1.76 2.50 82,769 15.41 53.59
191 First Federal Savings Bank Huntington Ind. Commercial Bank 1.75 1.92 419,419 15.71 49.97
Middletown State Bank Middletown Ill. Commercial Bank 1.75 1.83 41,131 20.77 41.08
The Bank of Deerfield Deerfield Wis. Commercial Bank 1.75 2.69 178,986 14.94 54.98
Wauchula State Bank Wauchula Fla. Commercial Bank 1.75 1.51 966,999 18.00 48.76
195 Classic Bank, National Association Cameron Tex. Commercial Bank 1.74 1.92 603,386 19.37 54.76
196 HNB National Bank Hannibal Mo. Commercial Bank 1.74 2.46 693,336 14.48 53.51
Hodge Bank & Trust Company Hodge La. Commercial Bank 1.74 0.96 84,254 10.59 54.00
Plains State Bank Humble Tex. Commercial Bank 1.74 1.12 822,362 14.49 45.28
199 Security Bank Stephens Ark. Commercial Bank 1.74 1.52 64,933 15.46 59.46
The Bank of Holly Springs Holly Springs Miss. Commercial Bank 1.74 0.92 401,295 16.52 57.54

Note: Independent banks and thrifts operating as of May 22, 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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