© 2024 Arizent. All rights reserved.
Community banking

Community Banks with the Highest Returns on Average Equity

February 27, 2017, 3:52 p.m. EST 1 Min Read

Year to date through Dec. 31, 2016. Dollars in thousands

View Table
Printer Friendly Version
Community Banks with the Highest Returns on Average Equity

Return on average equity

 Total assets Return on average assets Efficiency ratio
Rank   City State Type of charter 4Q 2016 4Q 2015
1 Farmers & Merchants Bank Lakeland Ga. Commercial Bank 53.56% 4.87% $546,069 2.08% 75.08%
2 Pacific West Bank West Linn Ore. Commercial Bank 49.27 1.56 65,881 5.57 85.80
3 First Chatham Bank Savannah Ga. Commercial Bank 39.41 -5.23 387,297 2.51 76.83
4 Bank of Montana Missoula Mont. Commercial Bank 38.59 46.00 70,386 4.20 46.05
5 Wahoo State Bank Wahoo Neb. Commercial Bank 37.98 6.75 72,288 2.82 50.43
6 Benchmark Bank Gahanna Ohio Savings Bank 37.58 8.92 132,314 4.08 89.48
7 SaviBank Burlington Wash. Commercial Bank 37.12 5.40 186,342 3.66 80.38
8 First Home Bank Seminole Fla. Commercial Bank 35.90 30.37 151,255 3.50 49.19
9 Goldwater Bank Phoenix Ariz. Commercial Bank 35.83 11.86 131,174 2.73 95.02
10 State Bank of Texas Dallas Texas Commercial Bank 35.03 31.21 740,328 6.39 17.40
11 Capitol National Bank Lansing Mich. Commercial Bank 34.35 1.50 120,656 3.25 89.43
12 Ixonia Bank Ixonia Wis. Commercial Bank 34.33 0.98 314,386 4.84 81.77
13 Prairie Community Bank Marengo Ill. Commercial Bank 33.14 7.34 116,633 3.04 73.55
14 Citizens State Bank Miles Texas Commercial Bank 32.70 30.58 124,247 2.81 42.81
15 Seattle Bank Seattle Wash. Savings Bank 32.36 1.15 260,084 7.34 95.80
16 First National Bank in Howell Howell Mich. Commercial Bank 31.59 11.49 397,603 3.23 78.93
17 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 31.28 31.09 222,114 2.67 48.41
18 Bank 7 Oklahoma City Okla. Commercial Bank 30.87 29.55 613,819 2.91 42.19
19 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 30.33 -2.24 33,995 2.80 60.47
20 Northpointe Bank Grand Rapids Mich. Commercial Bank 29.85 31.08 587,956 2.74 67.42
21 Almena State Bank Almena Kan. Commercial Bank 29.67 40.45 93,898 2.54 60.40
22 Haverford Trust Co. Radnor Pa. Commercial Bank 29.49 37.44 129,616 5.00 83.12
23 Charter Bank Corpus Christi Texas Commercial Bank 29.45 37.15 243,184 2.95 46.19
24 First Bank of Chandler Chandler Okla. Commercial Bank 29.07 32.86 88,316 3.30 38.92
25 Tri-Valley Bank San Ramon Calif. Commercial Bank 29.02 0.38 134,604 3.11 94.06
26 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 29.01 23.03 81,696 3.13 34.39
27 First Financial Bank El Dorado Ark. Commercial Bank 28.96 24.14 916,921 3.61 50.12
28 Security State Bank Sutherland Iowa Commercial Bank 28.89 28.81 118,660 2.65 33.12
29 Allied First Bank SB Oswego Ill. Savings Bank 28.81 11.49 93,524 2.40 96.35
30 Peoples State Bank McDonald Kan. Commercial Bank 28.79 22.84 125,264 2.94 46.70
31 New Century Bank Belleville Kan. Commercial Bank 28.54 22.32 42,553 2.87 59.65
32 PrinsBank Prinsburg Minn. Commercial Bank 28.53 31.35 132,668 3.84 44.33
33 First Bank Burkburnett Texas Commercial Bank 28.40 21.45 382,721 2.82 65.69
34 Texas Bank Financial Weatherford Texas Commercial Bank 28.24 30.42 207,006 2.66 71.25
35 Bank of Hydro Hydro Okla. Commercial Bank 27.65 29.40 118,868 2.63 43.94
36 Guaranty Bank & Trust Co. of Delhi Delhi La. Commercial Bank 27.11 27.75 212,665 2.35 55.94
37 Bank of Cordell Cordell Okla. Commercial Bank 26.97 24.08 45,916 2.18 51.96
38 Prime Bank Edmond Okla. Commercial Bank 26.95 27.13 252,818 2.77 38.93
39 Baraboo National Bank Baraboo Wis. Commercial Bank 26.71 4.96 423,497 3.53 78.58
40 Magnolia Bank Hodgenville Ky. Commercial Bank 26.42 26.16 195,406 2.85 76.30
41 Ultima Bank Minnesota Winger Minn. Commercial Bank 26.25 25.73 166,675 2.49 50.59
42 North Shore Bank of Commerce Duluth Minn. Commercial Bank 25.94 16.59 266,713 1.70 71.04
Riverside Bank Sparkman Ark. Commercial Bank 25.94 30.19 58,742 2.33 51.11
44 Village Bank Midlothian Va. Commercial Bank 25.40 8.67 441,697 2.60 88.93
45 Crockett National Bank San Antonio Texas Commercial Bank 25.33 27.03 621,502 2.53 74.76
46 Morris State Bank Morris Okla. Commercial Bank 25.29 26.86 76,431 2.11 58.94
47 University Bank Ann Arbor Mich. Commercial Bank 25.25 25.11 193,069 2.30 83.84
48 Oklahoma State Bank Buffalo Okla. Commercial Bank 25.18 25.23 53,552 2.30 53.81
49 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 25.09 30.02 403,503 2.50 48.30
50 Cross River Bank Teaneck N.J. Commercial Bank 24.88 29.68 561,381 2.81 44.67
51 Bank of Hemet Riverside Calif. Commercial Bank 24.86 22.20 637,238 2.35 46.70
52 Peoples National Bank Colorado Springs Colo. Commercial Bank 24.85 25.11 415,360 2.43 73.94
53 NOA Bank Duluth Ga. Commercial Bank 24.77 27.22 279,853 3.21 52.74
54 Falcon National Bank Foley Minn. Commercial Bank 24.65 19.38 234,207 2.09 57.36
Nebraska State Bank Oshkosh Neb. Commercial Bank 24.65 31.95 49,775 3.40 43.44
56 Wells Bank Platte City Mo. Commercial Bank 24.60 25.76 197,580 2.32 47.81
57 Five Star Bank Rocklin Calif. Commercial Bank 24.27 22.13 840,356 2.04 39.12
58 Cowboy Bank of Texas Maypearl Texas Commercial Bank 24.18 25.16 76,889 2.32 55.79
59 Peoples Bank & Trust Co. Ryan Okla. Commercial Bank 24.17 45.06 30,557 3.93 93.53
60 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 24.13 25.21 53,815 2.52 43.81
61 Peoples State Bank Summit S.D. Commercial Bank 24.12 23.70 65,629 2.73 39.23
62 Freedom Bank Huntingburg Ind. Commercial Bank 24.07 23.72 378,381 2.50 37.72
63 1st Bank & Trust Broken Bow Okla. Commercial Bank 24.05 27.17 134,722 2.18 51.40
64 NewFirst National Bank El Campo Texas Commercial Bank 23.96 20.00 647,465 2.58 53.34
65 Brunswick State Bank Brunswick Neb. Commercial Bank 23.90 23.98 104,212 2.45 46.13
66 Commerce National Bank & Trust Winter Park Fla. Commercial Bank 23.66 10.38 95,407 2.91 78.55
67 First National Bank of Brookfield Brookfield Ill. Commercial Bank 23.64 5.36 163,815 2.23 68.68
Tri Valley Bank Talmage Neb. Commercial Bank 23.64 21.86 43,748 2.00 41.51
69 Volunteer State Bank Portland Tenn. Commercial Bank 23.57 24.37 598,906 2.52 68.38
70 Peoples Bank Lawrence Kan. Commercial Bank 23.48 25.36 475,515 2.47 83.45
71 Cornerstone Bank Wilson N.C. Commercial Bank 23.47 9.07 109,726 2.49 84.29
72 South Georgia Bank Glennville Ga. Commercial Bank 23.38 18.54 150,027 2.62 57.29
73 ACB Bank Cherokee Okla. Commercial Bank 23.36 27.87 117,521 2.01 48.54
Flagler Bank West Palm Beach Fla. Commercial Bank 23.36 18.97 228,605 2.22 46.11
75 Transportation Alliance Bank Inc. Ogden Utah Commercial Bank 23.33 9.24 671,043 2.92 71.15
76 American Bank Bozeman Mont. Commercial Bank 23.28 9.29 374,212 2.37 54.73
77 Village Bank St. Francis Minn. Commercial Bank 23.20 29.06 239,974 2.22 63.92
78 Bank of Newington Newington Ga. Commercial Bank 23.19 20.42 109,984 1.96 54.37
79 St. Martin Bank and Trust Co. St. Martinville La. Commercial Bank 23.17 24.77 580,430 2.32 51.55
80 Citizens Bank Amarillo Texas Commercial Bank 23.09 18.81 151,979 2.23 52.59
81 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 22.96 19.55 172,774 2.14 57.34
82 Midwest Bank Detroit Lakes Minn. Commercial Bank 22.93 22.60 387,051 2.15 50.04
83 Bank Northwest Hamilton Mo. Commercial Bank 22.86 21.48 126,668 2.02 50.36
84 Venture Bank Bloomington Minn. Commercial Bank 22.79 24.54 663,423 2.21 52.47
85 State Bank of Bellingham Bellingham Minn. Commercial Bank 22.73 16.93 49,147 2.24 30.65
86 Coffee County Bank Manchester Tenn. Commercial Bank 22.68 20.37 163,221 2.78 47.98
87 NBKC Bank Overland Park Kan. Commercial Bank 22.66 13.95 568,425 2.89 81.74
88 First State Bank Scottsbluff Neb. Commercial Bank 22.61 25.65 238,581 2.28 50.41
89 Commerce Bank of Temecula Valley Murrieta Calif. Commercial Bank 22.52 6.04 74,708 3.82 86.00
90 Millennium Bank Des Plaines Ill. Commercial Bank 22.51 16.46 85,545 2.27 60.87
91 First National Bank Arcadia La. Commercial Bank 22.41 20.19 243,478 1.83 66.73
92 Wallis State Bank Wallis Texas Commercial Bank 22.37 20.56 493,441 2.30 60.17
93 Continental Bank Salt Lake City Utah Commercial Bank 22.35 30.53 169,471 3.80 43.08
First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 22.35 21.99 354,828 1.86 51.62
95 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 22.27 25.79 102,258 2.18 39.72
96 Willamette Valley Bank Salem Ore. Commercial Bank 22.22 12.21 176,689 2.56 76.05
97 Community State Bank Brook Ind. Commercial Bank 22.17 -31.12 58,789 2.38 32.00
98 State Bank of New Richland New Richland Minn. Commercial Bank 22.08 22.12 99,776 2.22 40.34
99 Luana Savings Bank Luana Iowa Commercial Bank 22.03 22.59 870,820 2.04 36.45
100 Stockmans Bank Altus Okla. Commercial Bank 22.01 18.58 212,604 1.80 64.22
101 PrimeSouth Bank Blackshear Ga. Commercial Bank 21.93 15.00 370,568 2.36 59.86
102 Security Bank Tulsa Okla. Commercial Bank 21.92 22.68 525,194 2.66 34.91
103 Premier Bank Rock Valley Iowa Commercial Bank 21.91 22.42 362,672 2.64 30.58
104 First National Bank of Central Texas Waco Texas Commercial Bank 21.77 21.90 761,692 1.96 49.05
Murphy Bank Fresno Calif. Commercial Bank 21.77 21.66 238,018 2.43 46.09
106 Mainland Bank Texas City Texas Commercial Bank 21.73 16.66 130,435 2.19 55.43
107 Peoples Bank Mendenhall Miss. Commercial Bank 21.66 19.00 284,312 2.05 64.99
108 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 21.58 20.05 243,091 2.00 59.09
109 First Bank & Trust Co. Wagoner Okla. Commercial Bank 21.55 26.02 282,118 2.61 47.61
110 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 21.46 22.23 155,117 2.44 40.29
Waggoner National Bank of Vernon Vernon Texas Commercial Bank 21.46 18.74 272,102 2.93 42.94
112 Auburn Banking Co. Auburn Ky. Commercial Bank 21.37 22.89 76,591 1.80 61.92
113 Grant County State Bank Swayzee Ind. Commercial Bank 21.31 20.01 149,847 2.23 37.81
114 Farmers and Merchants Bank of Kendall Kendall Wis. Commercial Bank 21.30 21.12 75,364 2.94 46.80
115 Farmers Bank and Trust Co. Blytheville Ark. Commercial Bank 21.28 22.93 473,604 1.99 52.84
Farmers Exchange Bank Cherokee Okla. Commercial Bank 21.28 28.44 337,051 1.91 36.67
117 Peoples State Bank of Commerce Nolensville Tenn. Commercial Bank 21.17 19.32 156,681 2.15 76.52
118 First State Bank Elmore City Okla. Commercial Bank 21.09 3.86 12,059 2.24 77.65
119 Central Bank and Trust Co. Hutchinson Kan. Commercial Bank 21.05 25.35 278,685 2.05 55.72
120 Community Bank Longview Texas Commercial Bank 21.03 22.49 213,634 2.02 42.84
121 Security First National Bank of Hugo Hugo Okla. Commercial Bank 21.01 22.59 102,059 1.72 53.66
122 Bank of Monticello Monticello Ga. Commercial Bank 20.99 15.62 103,224 1.63 72.68
Central National Bank Waco Texas Commercial Bank 20.99 19.53 851,791 1.82 46.70
124 Quail Creek Bank Oklahoma City Okla. Commercial Bank 20.93 22.05 595,948 2.16 48.20
125 NSB Bank Mason City Iowa Commercial Bank 20.91 19.89 204,741 2.00 43.95
126 Farmers and Merchants Bank Maysville Okla. Commercial Bank 20.89 22.97 20,478 1.57 65.12
127 Bank of England England Ark. Commercial Bank 20.87 19.59 317,715 2.61 88.46
128 Tolleson Private Bank Dallas Texas Commercial Bank 20.79 20.02 591,560 1.56 54.93
129 Mississippi River Bank Belle Chasse La. Commercial Bank 20.76 13.19 118,106 2.59 52.46
130 Points West Community Bank Windsor Colo. Commercial Bank 20.74 22.53 229,295 2.09 48.04
131 First State Bank Watonga Okla. Commercial Bank 20.72 16.66 66,702 2.03 59.56
132 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 20.69 22.26 223,666 2.13 48.01
133 Community First Bank Butler Mo. Commercial Bank 20.58 22.18 171,234 1.76 51.24
134 Citizens State Bank Marysville Kan. Commercial Bank 20.44 18.72 331,605 2.12 37.37
135 First National Bank of Picayune Picayune Miss. Commercial Bank 20.39 17.01 208,857 2.71 48.13
136 Independence Bank East Greenwich R.I. Commercial Bank 20.36 8.86 38,739 4.37 54.51
137 FirsTier Bank Kimball Neb. Commercial Bank 20.35 23.37 259,463 3.21 48.21
138 Bank of Mauston Mauston Wis. Commercial Bank 20.32 20.29 285,676 2.32 41.39
139 Great Plains Bank Eureka S.D. Commercial Bank 20.20 15.43 99,736 2.49 42.92
140 First National Bank of Las Animas Las Animas Colo. Commercial Bank 20.19 20.55 331,825 2.37 47.96
141 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.15 18.85 785,587 1.89 54.84
Citizens National Bank of Texas Waxahachie Texas Commercial Bank 20.15 17.96 835,347 2.09 60.08
Grand Savings Bank Grove Okla. Commercial Bank 20.15 10.13 377,179 1.96 60.82
144 First Bank & Trust Lubbock Texas Commercial Bank 20.13 16.83 868,227 2.03 66.27
145 Bank of Morton Morton Miss. Commercial Bank 20.12 19.91 65,511 2.77 53.82
146 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 20.09 21.69 523,130 1.99 56.95
Peoples Community Bank Greenville Mo. Commercial Bank 20.09 19.87 426,067 3.05 41.52
148 Bank of Buffalo Buffalo Ky. Commercial Bank 20.06 20.70 74,647 2.16 40.52
First Bank Erick Okla. Commercial Bank 20.06 15.68 77,465 2.07 54.38
150 North American Banking Co. Roseville Minn. Commercial Bank 19.99 12.02 412,603 1.89 54.30
151 First Secure Community Bank Sugar Grove Ill. Commercial Bank 19.98 7.38 223,793 2.08 82.67
152 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 19.95 21.13 216,345 2.12 53.33
Primebank Le Mars Iowa Commercial Bank 19.95 13.85 394,665 2.37 48.66
154 Patriot Bank Tulsa Okla. Commercial Bank 19.93 15.84 302,260 2.19 38.98
155 1880 Bank Cambridge Md. Commercial Bank 19.91 5.33 324,490 2.68 65.03
Douglas National Bank Douglas Ga. Commercial Bank 19.91 19.23 183,008 2.40 52.35
157 Heritage Bank Jonesboro Ga. Commercial Bank 19.88 13.09 428,656 1.74 85.14
158 Wilson & Muir Bank & Trust Co. Bardstown Ky. Commercial Bank 19.81 18.11 486,955 1.69 60.05
159 First National Bank of Evant Evant Texas Commercial Bank 19.76 19.29 77,185 1.81 59.92
160 Lowry State Bank Lowry Minn. Commercial Bank 19.66 21.35 46,333 2.00 56.38
161 Clear Lake Bank and Trust Co. Clear Lake Iowa Commercial Bank 19.65 20.73 381,111 1.76 55.49
162 F&M Bank Edmond Okla. Commercial Bank 19.60 13.68 409,577 1.77 65.72
163 Sutton Bank Attica Ohio Commercial Bank 19.56 18.85 464,691 1.95 57.01
164 State Bank Hoxie Kan. Commercial Bank 19.53 18.07 151,373 2.50 42.73
165 First State Bank Louise Texas Commercial Bank 19.49 19.68 378,304 1.75 60.93
166 State Savings Bank Creston Iowa Commercial Bank 19.48 20.61 110,754 1.78 53.33
167 Heritage State Bank Lawrenceville Ill. Commercial Bank 19.44 19.64 97,961 1.89 63.58
168 Coleman County State Bank Coleman Texas Commercial Bank 19.40 16.59 104,469 1.98 62.31
Security National Bank of Enid Enid Okla. Commercial Bank 19.40 20.67 333,340 1.74 50.63
170 First State Bank of Warner Warner S.D. Commercial Bank 19.38 19.18 66,310 2.05 58.57
171 First Bank of Owasso Owasso Okla. Commercial Bank 19.36 19.02 281,306 2.48 48.19
Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 19.36 20.42 168,463 2.14 82.39
173 Liberty Bank Minnesota St. Cloud Minn. Commercial Bank 19.35 15.26 201,970 2.27 64.46
174 SouthCrest Bank Tyrone Ga. Commercial Bank 19.33 1.90 558,389 2.00 84.34
175 Bank, The Oberlin Kan. Commercial Bank 19.31 20.51 332,542 2.11 33.64
Community Bank Mankato Vernon Center Minn. Commercial Bank 19.31 17.67 271,931 1.50 60.01
177 Citizens Bank Amsterdam Mo. Commercial Bank 19.28 12.92 61,954 1.48 72.48
178 Herring Bank Amarillo Texas Commercial Bank 19.27 6.40 419,146 2.38 84.51
179 Jonesburg State Bank Jonesburg Mo. Commercial Bank 19.26 18.20 77,177 1.57 64.96
180 Dakota Community Bank & Trust Hebron N.D. Commercial Bank 19.25 23.21 763,317 1.68 58.79
Mid America Bank & Trust Co. Dixon Mo. Commercial Bank 19.25 20.19 154,626 3.74 38.60
182 Bank of the West Thomas Okla. Commercial Bank 19.24 20.67 141,912 2.29 53.34
183 Community Bank Bristow Okla. Commercial Bank 19.18 17.08 81,680 1.52 54.54
First Enterprise Bank Oklahoma City Okla. Commercial Bank 19.18 19.01 164,146 2.11 62.04
185 First Bank of Berne Berne Ind. Commercial Bank 19.17 19.72 666,222 1.81 55.18
Lamar Bank and Trust Co. Lamar Mo. Commercial Bank 19.17 20.18 144,380 1.86 51.68
187 Deerwood Bank Deerwood Minn. Commercial Bank 19.16 39.58 477,650 2.17 60.63
Peoples Bank Westville Okla. Commercial Bank 19.16 16.24 47,128 2.55 59.31
189 State Bank of De Kalb De Kalb Texas Commercial Bank 19.13 19.32 193,095 2.38 52.73
190 KodaBank Drayton N.D. Commercial Bank 19.11 18.63 143,095 2.18 42.03
191 Heartland State Bank Redfield S.D. Commercial Bank 19.05 17.80 76,431 2.31 53.77
192 FirstOak Bank Independence Kan. Commercial Bank 18.99 10.60 113,281 1.76 66.35
193 Peoples Savings Bank Elma Iowa Commercial Bank 18.98 19.08 67,137 1.94 51.40
194 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 18.95 19.13 217,172 1.66 53.04
195 Sherburne State Bank Becker Minn. Commercial Bank 18.93 17.15 101,579 1.72 59.82
196 Bank of Deerfield Deerfield Wis. Commercial Bank 18.92 22.93 141,533 2.47 54.87
197 Goodfield State Bank Goodfield Ill. Commercial Bank 18.91 18.82 113,119 2.30 53.31
198 First National Bank & Trust of Elk City Elk City Okla. Commercial Bank 18.86 19.73 319,213 2.04 44.33
199 Reliabank Dakota Estelline S.D. Commercial Bank 18.83 15.80 313,292 1.84 59.84
200 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 18.82 19.37 82,908 2.05 53.99

Note: List includes independent banks 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. Thrifts are also excluded.
List includes independent banks that were operating as of Feb. 24, 2017. Figures for prior periods are not adjusted for mergers and acquisitions.
© 2017 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)

Community banking