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Community Banks with the Highest Returns on Average Assets

November 22, 2021, 1:49 p.m. EST 1 Min Read
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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 2021 3Q 2020 assets average equity ratio
1 FinWise Bank Murray Utah 11.29 5.27 $330,333 59.22 32.92
2 Pulaski Savings Bank Chicago Ill. 7.63 0.19 50,177 89.03 31.65
3 McGehee Bank McGehee Ark. 7.34 2.11 150,639 50.20 23.76
4 First NaturalState Bank McGehee Ark. 7.30 0.95 84,542 70.07 19.42
5 Washita State Bank Burns Flat Okla. 7.25 0.79 53,905 33.70 26.23
6 Freedom Bank Freer Tex. 7.22 0.47 89,055 65.42 26.22
7 Central Bank of Kansas City Kansas City Mo. 6.59 5.13 320,104 52.42 51.35
8 Brazos National Bank Richwood Tex. 6.36 10.26 31,518 14.17 80.28
9 United Bank of Philadelphia Philadelphia Pa. 6.33 22.30 64,199 62.01 48.35
10 Friend Bank Slocomb Ala. 6.08 1.72 180,779 65.30 28.19
11 Progressive National Bank Mansfield La. 5.90 0.79 102,815 68.20 30.62
12 Willamette Valley Bank Salem Ore. 5.79 12.06 400,588 32.51 65.64
13 The First State Bank Abernathy Tex. 5.77 0.82 56,647 50.20 53.41
14 Bank of St. Francisville Saint Francisville La. 5.65 1.25 209,958 55.12 35.94
15 Millennium Bank Des Plaines Ill. 5.57 4.51 295,401 55.40 33.67
16 Commerce Bank Corinth Miss. 5.24 1.08 156,177 48.61 36.28
17 Crown Bank Elizabeth N.J. 5.23 3.09 567,331 24.28 31.91
18 Landmark Bank Clinton La. 5.07 0.90 163,135 46.06 34.59
19 The Jefferson Bank Greenville Miss. 5.06 0.81 133,824 31.50 27.46
20 Bank of Cherokee County Hulbert Okla. 5.03 0.60 173,321 60.10 39.78
21 Bank of Okolona Okolona Miss. 4.90 0.76 241,799 46.92 36.96
22 Embassy National Bank Lawrenceville Ga. 4.88 1.47 118,078 30.06 47.27
23 Midwest Community Bank Freeport Ill. 4.75 6.12 352,943 40.03 71.21
24 Bank of England England Ark. 4.72 15.45 585,281 28.50 87.09
25 Bank of Camilla Camilla Ga. 4.68 0.50 135,618 33.61 26.73
26 First Credit Bank Los Angeles Calif. 4.62 2.51 444,196 10.03 14.79
27 Texas National Bank Mercedes Tex. 4.53 2.93 727,571 70.76 31.88
28 Commercial Bank & Trust Company Monticello Ark. 4.44 1.31 254,994 45.15 35.16
29 Farmers State Bank of Alto Pass, Ill. Harrisburg Ill. 4.38 1.63 293,185 56.85 49.75
30 Peoples Bank Mendenhall Miss. 4.34 3.30 434,488 44.01 55.13
31 Bank of Franklin Meadville Miss. 4.32 0.72 191,303 40.10 34.54
32 Union Bank & Trust Company Monticello Ark. 4.25 1.90 278,301 46.77 34.35
33 CLB The Community Bank Jonesville La. 4.22 1.20 250,299 43.67 39.08
First Missouri Bank of SEMO Kennett Mo. 4.22 0.76 205,497 45.11 31.24
35 Caldwell Bank & Trust Company Columbia La. 4.21 1.07 198,564 42.96 43.53
36 Loyal Trust Bank Johns Creek Ga. 4.20 -5.25 111,350 20.21 54.31
37 Crockett National Bank San Antonio Tex. 4.12 7.19 753,538 32.18 61.82
38 Heartland State Bank Redfield S.D. 4.03 2.06 111,243 39.48 38.10
39 Pioneer Community Bank, Inc. Iaeger W.Va. 3.98 1.02 145,403 32.26 40.16
40 The Commercial Bank De Kalb Miss. 3.97 0.84 209,824 40.02 32.97
41 Crescent Bank & Trust New Orleans La. 3.96 2.95 953,950 22.13 40.74
42 Tioga-Franklin Savings Bank Philadelphia Pa. 3.94 0.48 63,151 47.67 37.91
43 Oxford University Bank Oxford Miss. 3.93 0.85 208,005 38.38 29.22
PrinsBank Prinsburg Minn. 3.93 2.05 169,044 26.58 48.28
45 Winnsboro State Bank & Trust Company Winnsboro La. 3.90 0.65 264,897 37.97 43.17
46 The Bippus State Bank Huntington Ind. 3.88 2.94 255,314 35.30 40.75
47 Chappell Hill Bank Chappell Hill Tex. 3.85 0.41 54,111 50.95 48.69
48 Bryant State Bank Bryant S.D. 3.81 1.33 41,289 30.67 51.77
Farmers Bank and Trust Company Blytheville Ark. 3.81 1.23 312,799 38.87 31.60
50 Guaranty Bank & Trust Company of Delhi Delhi La. 3.78 2.43 335,758 45.35 44.17
51 Bank of Prague Prague Neb. 3.74 3.66 34,242 28.69 36.67
52 Bank of Montana Missoula Mont. 3.73 4.74 174,482 38.44 32.05
53 Apex Bank Camden Tenn. 3.69 3.48 947,685 26.35 31.72
54 First Eagle Bank Chicago Ill. 3.64 2.03 623,362 20.00 29.54
First Federal Savings and Loan Bank Olathe Kan. 3.64 2.75 95,099 26.25 24.10
56 Spring Valley Bank Wyoming Ohio 3.60 4.90 90,876 10.04 37.27
57 Brighton Bank Brighton Tenn. 3.59 4.45 61,015 49.66 82.48
Mechanics Bank Water Valley Miss. 3.59 1.00 279,041 34.05 35.65
59 Bank of Lake Village Lake Village Ark. 3.58 0.79 73,404 28.93 18.95
60 Delta Bank Vidalia La. 3.57 1.87 433,843 42.86 38.92
61 Texas Bank Financial Weatherford Tex. 3.56 3.46 654,739 31.86 49.66
62 Home Bank of California San Diego Calif. 3.54 2.29 200,860 27.18 34.79
63 Capital Community Bank Provo Utah 3.47 1.32 522,720 27.02 41.21
64 Citizens Progressive Bank Winnsboro La. 3.45 0.88 209,533 32.55 44.18
NSB Bank Mason City Iowa 3.45 1.43 449,119 47.34 52.86
66 The National Bank of Andrews Andrews Tex. 3.43 2.21 260,208 33.41 54.03
67 Heritage Bank & Trust Columbia Tenn. 3.42 0.62 242,416 39.15 35.43
68 TrustBank Olney Ill. 3.41 1.68 295,762 33.33 49.51
69 Bank of Brookhaven Brookhaven Miss. 3.37 0.88 217,136 31.84 33.69
Security State Bank of Oklahoma Wewoka Okla. 3.37 1.06 387,088 28.15 32.47
71 Security State Bank Sutherland Iowa 3.34 2.12 270,706 31.01 27.27
72 Cumberland Security Bank, Inc. Somerset Ky. 3.33 3.20 281,882 25.16 41.07
73 First Southern Bank Columbia Miss. 3.31 1.35 244,087 31.40 44.22
Lake Area Bank Lindstrom Minn. 3.31 3.69 437,729 27.03 67.33
75 Cross Keys Bank Saint Joseph La. 3.29 1.18 477,405 27.71 47.73
76 Community First National Bank Manhattan Kan. 3.28 1.11 290,798 31.28 51.16
Quantum National Bank Suwanee Ga. 3.28 2.71 623,139 32.11 44.70
78 First Bank Burkburnett Tex. 3.26 3.72 595,946 28.43 67.73
The Cowboy Bank of Texas Maypearl Tex. 3.26 2.65 114,728 29.46 42.09
80 Charter Bank Corpus Christi Tex. 3.25 2.89 332,446 31.73 47.00
81 VisionBank Saint Louis Park Minn. 3.24 1.28 187,411 45.01 23.48
82 Nebraska State Bank Oshkosh Neb. 3.19 3.28 67,681 21.96 42.54
83 Bendena State Bank Bendena Kan. 3.17 1.63 92,931 37.73 33.75
84 Prime Alliance Bank Woods Cross Utah 3.12 -0.64 539,067 26.27 18.19
85 Firstar Bank Sallisaw Okla. 3.11 1.24 786,909 30.75 62.23
86 Farmers-Merchants Bank & Trust Company Breaux Bridge La. 3.10 1.04 404,978 26.22 41.97
Murphy Bank Fresno Calif. 3.10 2.27 351,517 27.86 37.14
88 The First National Bank of Eldorado Eldorado Tex. 3.08 1.99 72,629 17.84 49.32
89 Continental Bank Salt Lake City Utah 3.06 0.87 229,773 24.79 50.24
International Bank of Chicago Chicago Ill. 3.06 0.41 836,562 27.55 34.43
91 First National Bank Oldham S.D. 3.04 1.19 417,262 25.41 49.34
92 Robertson Banking Company Demopolis Ala. 2.99 1.19 396,474 30.63 42.65
93 Premier Bank Rock Valley Iowa 2.98 1.84 548,839 22.85 31.37
94 PromiseOne Bank Duluth Ga. 2.97 1.78 569,178 25.29 41.43
Riverstone Bank Eagle Neb. 2.97 0.17 117,366 30.66 38.47
96 Bank of Anguilla Anguilla Miss. 2.94 1.40 167,715 33.39 39.90
Maple Bank Champlin Minn. 2.94 0.79 100,971 30.19 42.51
98 First Independent Bank Russell Minn. 2.93 1.13 371,579 28.67 37.06
The First National Bank at Paris Paris Ark. 2.93 1.80 234,717 22.59 50.52
100 American Plus Bank, National Association Arcadia Calif. 2.92 1.37 584,019 17.82 23.91
Citizens State Bank - La Crosse La Crosse Wis. 2.92 4.02 411,249 31.90 44.32
102 Community Valley Bank El Centro Calif. 2.91 1.25 270,619 28.16 30.99
Peoples Bank Lebanon Ky. 2.91 1.20 106,624 29.79 38.91
Westside State Bank Westside Iowa 2.91 1.03 141,895 33.08 46.30
105 Kentucky Farmers Bank Corporation Ashland Ky. 2.90 2.23 271,872 16.74 43.43
106 Citizens Bank of Las Cruces Las Cruces N.M. 2.86 2.16 887,932 31.08 55.62
T Bank, National Association Dallas Tex. 2.86 1.93 568,241 21.56 55.41
108 Oklahoma State Bank Buffalo Okla. 2.85 1.61 58,417 28.38 50.59
109 First Farmers & Merchants State Bank of Grand Meadow Grand Meadow Minn. 2.84 -2.29 79,196 31.33 45.20
One World Bank Dallas Tex. 2.84 1.03 138,784 21.41 50.17
State Bank of Lismore Lismore Minn. 2.84 0.90 62,822 27.73 49.38
112 Peoples State Bank Cherryvale Kan. 2.82 2.67 18,288 10.74 53.88
113 Citizens State Bank Corrigan Tex. 2.79 1.60 161,897 25.40 43.85
114 Douglas National Bank Douglas Ga. 2.78 2.89 255,025 28.35 46.87
Madison Valley Bank Ennis Mont. 2.78 2.23 274,137 36.87 57.76
Security Bank New Auburn Wis. 2.78 1.62 151,493 23.07 34.22
The Tipton Latham Bank, National Association Tipton Mo. 2.78 1.92 157,012 25.22 37.09
118 Farmers National Bank of Griggsville Griggsville Ill. 2.76 1.62 123,971 27.74 47.30
Pilot Bank Tampa Fla. 2.76 1.12 638,348 30.27 38.93
120 Main Bank Albuquerque N.M. 2.75 1.67 241,256 34.41 32.74
121 Corydon State Bank Corydon Iowa 2.74 -2.28 107,936 12.45 26.69
North Valley Bank Thornton Colo. 2.74 2.44 226,293 24.73 42.35
Sycamore Bank Senatobia Miss. 2.74 0.79 308,904 33.36 44.02
124 Touchmark National Bank Alpharetta Ga. 2.72 1.15 426,005 20.51 32.51
125 BankVista Sartell Minn. 2.70 0.97 467,349 29.76 42.51
Copiah Bank Hazlehurst Miss. 2.70 0.59 289,604 28.92 45.85
FirstBank Antlers Okla. 2.70 1.74 568,814 26.44 56.40
The Bank of Houston Houston Mo. 2.70 -0.79 50,902 21.53 49.56
129 First Iowa State Bank Keosauqua Iowa 2.69 1.10 147,453 25.71 52.23
130 EvaBank Cullman Ala. 2.68 2.69 425,668 9.19 34.90
131 American Pride Bank Macon Ga. 2.66 0.63 221,918 19.04 53.28
Peoples Community Bank Greenville Mo. 2.66 2.78 614,305 15.63 39.36
The State Exchange Bank Lamont Okla. 2.66 1.57 80,624 22.62 42.09
134 BNA Bank New Albany Miss. 2.64 1.40 671,785 22.89 32.99
HNB National Bank Hannibal Mo. 2.64 3.86 672,026 22.04 43.61
136 New Millennium Bank Fort Lee N.J. 2.63 0.94 530,877 29.36 38.37
NewFirst National Bank El Campo Tex. 2.63 2.72 903,125 25.16 44.91
The Bank of Advance Advance Mo. 2.63 2.28 410,132 21.79 43.12
The Union Bank of Mena Mena Ark. 2.63 1.97 340,970 26.17 46.02
140 Aspire Bank Fargo N.D. 2.62 2.28 55,066 28.59 42.92
Charter West Bank West Point Neb. 2.62 5.09 408,778 27.55 72.09
The Hamler State Bank Hamler Ohio 2.62 1.63 97,354 17.51 32.96
WoodTrust Bank Wisconsin Rapids Wis. 2.62 2.98 603,334 27.26 42.86
144 People's Bank and Trust Company of Pickett County Byrdstown Tenn. 2.61 1.44 203,122 25.89 59.24
145 First American National Bank Iuka Miss. 2.60 0.74 371,592 25.53 58.84
Port Richmond Savings Philadelphia Pa. 2.60 1.09 97,433 14.77 39.83
Reliance Bank Faribault Minn. 2.60 0.74 198,824 25.37 47.36
The First National Bank of Bangor Bangor Wis. 2.60 1.91 265,605 8.65 23.88
Utah Independent Bank Salina Utah 2.60 0.99 133,623 20.28 44.45
150 Arcadian Bank Hartland Minn. 2.56 2.31 175,776 19.61 50.58
Coffee County Bank Manchester Tenn. 2.56 2.42 247,945 23.24 47.34
New Century Bank Belleville Kan. 2.56 1.71 58,146 21.06 63.08
153 Grant County State Bank Swayzee Ind. 2.55 2.47 244,637 21.54 27.83
Solera National Bank Lakewood Colo. 2.55 2.15 551,853 25.11 40.10
155 Pony Express Bank Liberty Mo. 2.54 1.37 291,838 29.91 45.87
156 The MINT National Bank Kingwood Tex. 2.53 1.22 336,617 21.35 62.74
157 First State Bank Loomis Neb. 2.52 1.87 171,167 18.57 35.52
Genesee Regional Bank Rochester N.Y. 2.52 2.49 975,069 23.93 46.34
Thumb Bank & Trust Pigeon Mich. 2.52 1.21 376,852 30.90 51.70
160 Bank of Bartlett Bartlett Tenn. 2.51 0.97 474,365 31.09 56.45
Commercial Capital Bank Delhi La. 2.51 1.69 246,468 21.15 34.88
Spring Bank Bronx N.Y. 2.51 0.68 336,177 29.21 37.17
163 Dundee Bank Omaha Neb. 2.50 2.67 458,486 27.78 48.28
FMS Bank Fort Morgan Colo. 2.50 0.46 249,444 24.91 59.03
Peoples Bank Rock Valley Iowa 2.50 2.05 748,228 19.83 43.11
166 BOM Bank Natchitoches La. 2.49 1.52 681,194 26.71 53.00
First Arkansas Bank and Trust Jacksonville Ark. 2.49 2.99 944,184 20.00 64.20
The First State Bank Boise City Okla. 2.49 2.59 100,574 29.48 41.57
169 Heartland Bank Somers Iowa 2.48 1.91 196,129 19.56 45.08
Waukon State Bank Waukon Iowa 2.48 1.57 367,474 23.74 39.38
171 Seiling State Bank Seiling Okla. 2.47 1.47 139,104 19.10 49.36
The Bank of Vernon Vernon Ala. 2.47 0.87 220,583 19.62 36.04
173 Bank of Columbia Columbia Ky. 2.46 1.61 182,837 25.60 46.94
Gulf Coast Bank Abbeville La. 2.46 1.48 533,421 21.00 48.57
175 First Bank of Ohio Tiffin Ohio 2.45 1.36 261,326 8.18 31.70
Sterling Bank Barron Wis. 2.45 1.94 310,572 29.16 45.90
The Citizens State Bank Marysville Kan. 2.45 1.78 385,268 24.07 34.12
178 Lincoln State Bank Hankinson N.D. 2.44 1.03 102,589 24.14 48.59
SouthernTrust Bank Marion Ill. 2.44 2.98 214,299 24.96 39.04
180 Community Bank of Easton Easton Ill. 2.43 2.71 39,706 11.05 15.73
Tennessee State Bank Pigeon Forge Tenn. 2.43 1.17 998,508 28.44 50.70
182 First Northern Bank of Wyoming Buffalo Wyo. 2.42 2.06 549,984 29.66 55.67
First United Bank and Trust Company, Inc. Madisonville Ky. 2.42 1.55 465,848 24.42 51.69
Pan American Bank & Trust Melrose Park Ill. 2.42 0.55 420,679 27.29 51.99
185 FNB South Alma Ga. 2.41 1.73 494,397 16.05 46.17
Pine Island Bank Pine Island Minn. 2.41 2.19 122,009 22.05 40.25
187 Bank of Alma Alma Wis. 2.40 2.49 282,858 5.30 12.38
188 Morgantown Bank & Trust Company, Incorporated Morgantown Ky. 2.39 0.55 254,380 29.98 48.37
State Bank of Fairmont Fairmont Minn. 2.39 1.30 128,084 22.62 39.79
190 Bank of Lake Mills Lake Mills Wis. 2.37 3.31 266,843 17.12 56.78
Feliciana Bank & Trust Company Clinton La. 2.37 0.63 149,560 22.58 51.57
First IC Bank Doraville Ga. 2.37 1.28 913,550 22.71 44.10
Foresight Bank Plainview Minn. 2.37 1.38 308,996 22.76 44.39
Noah Bank Elkins Park Pa. 2.37 -2.08 340,562 29.24 53.46
Platte Valley Bank Torrington Wyo. 2.37 1.85 566,416 22.49 48.91
196 Kearny County Bank Lakin Kan. 2.36 2.26 243,543 14.34 54.15
197 Auburn Banking Company Auburn Ky. 2.35 1.44 106,876 29.41 51.51
Citizens Bank of Rogersville Rogersville Mo. 2.35 2.19 124,743 21.33 51.30
Security Bank and Trust Company Paris Tenn. 2.35 1.26 786,632 23.40 39.69
200 Brighton Bank Salt Lake City Utah 2.34 2.07 308,262 23.13 48.29
Citizens State Bank Miles Tex. 2.34 2.64 191,326 25.61 43.58

Note: Independent banks and thrifts operating as of Nov. 19, 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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