Community Banks with the Highest Returns on Average Equity

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Year to date through Dec. 31, 2017. Dollars in thousands.

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Community Banks with the Highest Returns on Average Equity
Return on average equity
Total
assets
Return on
average assets
Efficiency
ratio
Rank Name City State Type of charter 4Q 2017 4Q 2016
1 Limestone Bank, Inc. Louisville Ky. Commercial Bank 57.14 -1.46 $966,826 4.02 77.30
2 Georgia Heritage Bank Dallas Ga. Commercial Bank 55.76 14.04 94,708 4.97 58.61
3 Grand Rivers Community Bank Grand Chain Ill. Commercial Bank 55.56 -55.20 46,016 2.76 65.02
4 Bank of Montana Missoula Mont. Commercial Bank 46.30 38.59 82,770 4.73 44.02
5 State Bank of Texas Dallas Tex. Commercial Bank 44.40 35.03 839,631 8.07 19.87
6 Community Bank of Raymore Raymore Mo. Commercial Bank 39.97 16.37 238,580 3.35 63.56
7 Town & Country Bank Las Vegas Nev. Commercial Bank 38.57 15.37 160,843 4.64 34.37
8 Bank 7 Oklahoma City Okla. Commercial Bank 35.68 30.87 702,648 3.65 36.52
9 Citizens Commerce National Bank Versailles Ky. Commercial Bank 34.50 5.97 223,160 2.88 75.73
10 First American Bank, National Association Hudson Wis. Commercial Bank 33.01 7.78 120,115 3.38 48.34
11 Almena State Bank Almena Kan. Commercial Bank 32.81 29.67 102,881 2.63 55.10
12 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 31.84 11.03 316,900 1.53 77.35
13 CIBM Bank Champaign Ill. Commercial Bank 31.23 6.97 656,926 3.25 80.78
14 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 30.64 29.01 84,464 3.28 32.84
15 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 29.46 31.28 245,801 2.47 49.28
16 Charter Bank Corpus Christi Tex. Commercial Bank 28.38 29.45 256,645 3.23 47.85
17 U.S. Century Bank Doral Fla. Commercial Bank 28.16 2.54 994,567 2.69 85.70
18 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 28.08 25.09 432,979 2.93 48.44
19 Champion Bank Parker Colo. Commercial Bank 27.88 14.79 52,902 5.01 68.28
20 Riverside Bank Sparkman Ark. Commercial Bank 27.87 25.94 60,261 2.43 53.21
21 Haverford Trust Company Radnor Pa. Commercial Bank 27.52 29.49 140,074 4.37 84.44
22 First Bank, Upper Michigan Gladstone Mich. Commercial Bank 27.51 17.92 457,135 2.53 62.86
23 Security State Bank Sutherland Iowa Commercial Bank 27.26 28.89 125,984 2.66 33.75
24 Venture Bank Bloomington Minn. Commercial Bank 26.79 22.79 728,993 2.47 51.51
25 NOA Bank Duluth Ga. Commercial Bank 26.77 24.77 327,404 3.48 49.96
26 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 26.63 27.11 229,854 2.28 57.55
27 Bank of Hydro Hydro Okla. Commercial Bank 26.27 27.65 126,280 2.70 45.24
28 Peoples State Bank Summit S.D. Commercial Bank 26.20 24.12 71,769 2.90 37.36
29 PrinsBank Prinsburg Minn. Commercial Bank 25.88 28.53 141,862 3.84 40.01
30 Nebraska State Bank Oshkosh Neb. Commercial Bank 25.75 24.65 50,881 3.78 42.63
31 Five Star Bank Rocklin Calif. Commercial Bank 25.55 24.27 972,801 2.43 36.34
32 Citizens State Bank Miles Tex. Commercial Bank 25.36 32.70 126,561 2.50 46.88
33 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 25.32 21.58 276,880 2.27 53.58
34 FinWise Bank Sandy Utah Commercial Bank 25.27 15.40 65,072 3.84 55.65
35 First State Bank Scottsbluff Neb. Commercial Bank 25.15 22.61 233,138 2.59 46.96
36 Prime Bank Edmond Okla. Commercial Bank 25.02 26.95 259,085 2.75 39.36
37 Independence Bank East Greenwich R.I. Commercial Bank 25.01 20.36 60,810 5.14 38.48
38 1st Bank & Trust Broken Bow Okla. Commercial Bank 25.00 24.05 147,652 2.43 47.46
First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 25.00 22.35 362,464 1.98 50.89
40 National Bank of Andrews Andrews Tex. Commercial Bank 24.99 17.27 188,885 2.93 56.12
41 State Bank of New Richland New Richland Minn. Commercial Bank 24.94 22.08 105,650 2.46 39.27
42 First Bank Burkburnett Tex. Commercial Bank 24.83 28.40 388,772 2.57 67.11
43 Wallis State Bank Wallis Tex. Commercial Bank 24.71 22.37 626,252 2.53 54.56
44 Bank Northwest Hamilton Mo. Commercial Bank 24.40 22.86 140,315 2.07 50.79
45 Americana Community Bank Sleepy Eye Minn. Commercial Bank 24.20 3.37 115,029 1.74 67.80
46 Brannen Bank Inverness Fla. Commercial Bank 24.05 17.45 515,260 1.61 55.95
47 Peoples Bank Mendenhall Miss. Commercial Bank 23.89 21.66 284,719 2.26 62.19
48 Oklahoma State Bank Buffalo Okla. Commercial Bank 23.84 25.18 54,218 2.36 54.79
49 First Bank & Trust Lubbock Tex. Commercial Bank 23.80 20.13 929,582 2.44 60.76
50 State Bank of Bellingham Bellingham Minn. Commercial Bank 23.48 30.74 52,445 2.46 36.77
51 Bank of Hemet Riverside Calif. Commercial Bank 23.43 24.86 698,703 2.25 43.14
52 Willamette Valley Bank Salem Ore. Commercial Bank 23.41 22.22 204,660 2.80 75.33
53 First Financial Bank El Dorado Ark. Commercial Bank 23.32 28.96 914,666 3.05 55.80
54 Midwest Bank Detroit Lakes Minn. Commercial Bank 23.30 22.93 407,700 2.21 49.17
55 University Bank Ann Arbor Mich. Commercial Bank 23.24 25.25 226,986 2.48 87.41
56 New Century Bank Belleville Kan. Commercial Bank 23.20 28.57 44,282 2.44 63.52
57 Citizens Bank Amsterdam Mo. Commercial Bank 23.17 19.28 119,938 1.76 72.78
58 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 23.02 24.18 82,850 2.14 56.99
59 First National Bank Arcadia La. Commercial Bank 23.01 22.41 255,958 1.86 65.20
60 Douglas National Bank Douglas Ga. Commercial Bank 22.83 19.91 179,663 2.75 48.74
61 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 22.80 22.96 177,239 2.11 57.41
62 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 22.78 -19.53 82,906 1.57 64.23
63 First Utah Bank Salt Lake City Utah Commercial Bank 22.73 14.01 336,360 2.46 70.21
Ultima Bank Minnesota Winger Minn. Commercial Bank 22.73 26.25 162,998 2.29 53.95
65 First Home Bank Seminole Fla. Commercial Bank 22.71 35.90 260,106 2.65 60.24
66 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 22.61 19.81 506,878 1.85 57.58
67 Apex Bank Camden Tenn. Commercial Bank 22.57 22.14 524,869 3.61 37.47
Community Bank Longview Tex. Commercial Bank 22.57 21.03 218,761 2.18 43.33
Security Bank Minnesota Albert Lea Minn. Commercial Bank 22.57 13.46 124,493 2.43 47.87
Tri Valley Bank Talmage Neb. Commercial Bank 22.57 23.64 50,073 1.93 40.49
71 Coffee County Bank Manchester Tenn. Commercial Bank 22.52 22.68 179,714 2.60 43.99
72 Texas Bank Financial Weatherford Tex. Commercial Bank 22.44 28.24 243,041 2.29 70.76
73 Luana Savings Bank Luana Iowa Commercial Bank 22.31 22.03 984,052 2.00 32.53
74 Central Bank of Kansas City Kansas City Mo. Commercial Bank 22.28 15.45 163,718 4.57 56.91
Tolleson Private Bank Dallas Tex. Commercial Bank 22.28 20.79 576,206 1.68 51.59
76 Bank of Columbia Columbia Ky. Commercial Bank 22.23 17.22 134,522 2.28 54.09
77 First National Bank of Central Texas Waco Tex. Commercial Bank 22.22 21.77 828,650 2.01 49.41
78 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 22.19 20.09 538,056 2.10 57.59
79 AmeriState Bank Atoka Okla. Commercial Bank 22.16 18.25 257,390 2.05 65.29
80 Morris State Bank Morris Okla. Commercial Bank 22.14 25.29 79,433 1.86 60.76
81 Citizens State Bank Marysville Kan. Commercial Bank 21.94 20.44 338,231 2.16 36.64
82 Freedom Bank Huntingburg Ind. Commercial Bank 21.92 24.07 400,706 2.31 41.54
83 Flagler Bank West Palm Beach Fla. Commercial Bank 21.89 23.36 241,482 2.15 47.75
84 Grant County State Bank Swayzee Ind. Commercial Bank 21.87 21.31 169,617 2.29 33.72
85 Bank of Cordell Cordell Okla. Commercial Bank 21.83 26.97 37,664 1.93 57.77
86 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 21.77 20.69 221,159 2.18 47.77
87 Brunswick State Bank Brunswick Neb. Commercial Bank 21.75 23.90 117,968 2.07 45.50
88 Bank of Baker Baker Mont. Commercial Bank 21.73 16.40 146,235 2.13 45.47
89 Bank of Morton Morton Miss. Commercial Bank 21.66 20.12 66,831 3.05 49.99
Brighton Bank Brighton Tenn. Commercial Bank 21.66 18.11 61,357 1.20 84.64
91 First Bank of Owasso Owasso Okla. Commercial Bank 21.52 19.36 338,823 2.57 46.22
First State Bank Louise Tex. Commercial Bank 21.52 19.25 406,896 1.96 60.02
93 Central Bank and Trust Co. Hutchinson Kan. Commercial Bank 21.51 21.05 323,108 2.11 56.43
Central National Bank Waco Tex. Commercial Bank 21.51 20.99 862,872 1.83 45.90
Great Plains National Bank Hollis Okla. Commercial Bank 21.51 18.59 629,025 2.35 68.63
96 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 21.45 21.46 169,665 2.33 41.01
97 Bank of Mauston Mauston Wis. Commercial Bank 21.31 20.32 291,324 2.48 40.50
Crockett National Bank San Antonio Tex. Commercial Bank 21.31 25.33 662,566 2.34 77.82
99 Security Bank Tulsa Okla. Commercial Bank 21.29 21.92 547,353 2.52 35.89
100 NewFirst National Bank El Campo Tex. Commercial Bank 21.28 23.96 697,939 2.30 53.23
101 Wells Bank Platte City Mo. Commercial Bank 21.23 24.60 225,925 2.03 52.39
102 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 21.21 24.13 52,876 2.45 45.68
103 Quail Creek Bank, National Association Oklahoma City Okla. Commercial Bank 21.20 20.93 632,147 2.21 46.82
104 Commercial Capital Bank Delhi La. Commercial Bank 21.19 14.19 141,543 2.36 48.40
Mississippi River Bank Belle Chasse La. Commercial Bank 21.19 20.76 112,434 2.39 51.75
106 North Valley Bank Thornton Colo. Commercial Bank 21.18 18.38 158,764 2.55 54.22
107 Welcome State Bank Welcome Minn. Commercial Bank 21.16 18.45 33,679 2.19 56.52
108 Commercial Bank Crawford Ga. Commercial Bank 21.10 18.50 158,122 2.27 49.84
109 Main Bank Albuquerque N.M. Commercial Bank 21.08 17.74 132,937 1.97 45.73
Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 21.08 21.46 285,207 2.72 43.00
111 Paradise Bank Boca Raton Fla. Commercial Bank 21.02 17.01 309,832 2.26 60.18
112 Security Bank and Trust Company Paris Tenn. Commercial Bank 21.01 18.18 352,655 2.23 50.35
113 McFarland State Bank McFarland Wis. Commercial Bank 21.00 14.57 483,546 2.25 57.03
114 Prime Alliance Bank Woods Cross Utah Commercial Bank 20.91 11.89 304,844 2.36 31.86
115 Bank of the West Thomas Okla. Commercial Bank 20.81 19.24 158,671 2.46 51.28
116 First State Bank Watonga Okla. Commercial Bank 20.77 20.72 72,989 1.79 57.16
117 Sherburne State Bank Becker Minn. Commercial Bank 20.76 18.93 107,948 1.78 60.65
118 Lamar Bank and Trust Company Lamar Mo. Commercial Bank 20.69 19.17 143,818 2.15 51.40
119 Morris Bank Dublin Ga. Commercial Bank 20.67 18.52 678,663 2.15 53.51
120 First National Bank of Oklahoma Oklahoma City Okla. Commercial Bank 20.64 18.10 446,543 1.82 52.78
121 Murphy Bank Fresno Calif. Commercial Bank 20.55 21.77 254,116 2.35 46.93
122 Village Bank Saint Francis Minn. Commercial Bank 20.54 23.20 282,752 1.72 63.56
123 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.53 20.15 816,684 1.91 54.48
Embassy National Bank Lawrenceville Ga. Commercial Bank 20.53 18.56 114,517 2.21 70.10
125 Delta Bank Vidalia La. Commercial Bank 20.50 18.77 286,729 1.70 60.80
126 NSB Bank Mason City Iowa Commercial Bank 20.45 20.91 199,073 2.02 44.56
127 FirstOak Bank Independence Kan. Commercial Bank 20.44 18.99 121,757 2.03 63.33
128 American State Bank Osceola Iowa Commercial Bank 20.39 17.22 201,431 1.88 56.29
129 Grand Marais State Bank Grand Marais Minn. Commercial Bank 20.32 14.87 88,257 1.41 58.38
130 Points West Community Bank Windsor Colo. Commercial Bank 20.26 20.74 246,085 2.03 46.87
131 North American Banking Company Roseville Minn. Commercial Bank 20.20 19.99 505,513 1.82 54.54
132 Coastal Bank & Trust Jacksonville N.C. Commercial Bank 20.15 5.22 94,843 1.76 80.19
133 First National Bank of Las Animas Las Animas Colo. Commercial Bank 20.13 20.19 338,784 2.40 46.09
134 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 20.10 17.81 190,530 2.64 50.85
135 KodaBank Drayton N.D. Commercial Bank 20.07 19.11 149,642 2.29 40.89
136 Phelps County Bank Rolla Mo. Commercial Bank 20.05 18.44 383,859 1.39 66.76
137 Community State Bank Spencer Iowa Commercial Bank 20.02 13.68 207,240 2.11 44.65
138 Clear Lake Bank and Trust Company Clear Lake Iowa Commercial Bank 19.98 19.65 405,764 1.74 56.13
139 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 19.91 18.95 211,377 1.67 54.92
140 State Exchange Bank Lamont Okla. Commercial Bank 19.89 9.54 64,507 2.25 51.62
141 Sound Banking Company Lakewood Wash. Commercial Bank 19.86 17.39 54,395 1.72 64.91
142 VisionBank Saint Louis Park Minn. Commercial Bank 19.83 12.03 78,412 2.02 48.26
143 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 19.76 16.51 402,805 1.39 54.56
144 Security First National Bank of Hugo Hugo Okla. Commercial Bank 19.73 21.01 114,276 1.60 56.39
145 Charlevoix State Bank Charlevoix Mich. Commercial Bank 19.71 17.16 196,060 1.69 63.00
146 First Bank of Berne Berne Ind. Commercial Bank 19.68 19.17 667,675 1.86 54.67
147 Bank of Cave City Cave City Ark. Commercial Bank 19.65 14.58 109,894 1.63 64.50
148 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 19.64 19.95 223,787 1.99 51.64
149 Urban Partnership Bank Chicago Ill. Commercial Bank 19.59 -31.92 472,317 1.44 113.61
150 Jonesburg State Bank Jonesburg Mo. Commercial Bank 19.52 19.26 83,595 1.50 65.02
151 Farmers and Merchants Bank Maysville Okla. Commercial Bank 19.49 20.89 19,358 1.49 67.68
Star Bank Maple Lake Minn. Commercial Bank 19.49 17.36 269,056 1.86 63.71
Union Bank of Mena Mena Ark. Commercial Bank 19.49 17.24 252,593 1.98 58.78
154 Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 19.47 19.36 179,794 2.13 82.03
155 Citizens National Bank of Texas Waxahachie Tex. Commercial Bank 19.42 20.15 937,446 1.92 62.69
156 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 19.39 17.49 494,909 2.26 32.14
157 Home Bank of California San Diego Calif. Commercial Bank 19.36 16.16 159,084 2.95 38.79
158 First National Bank of Cokato Cokato Minn. Commercial Bank 19.35 12.76 59,146 1.53 63.32
159 Platte Valley Bank of Missouri Platte City Mo. Commercial Bank 19.31 16.20 552,095 1.78 64.32
State Savings Bank Creston Iowa Commercial Bank 19.31 19.48 113,423 1.85 52.47
161 Glenwood State Bank Glenwood Minn. Commercial Bank 19.30 14.75 272,907 1.86 59.28
162 Crowell State Bank Crowell Tex. Commercial Bank 19.29 18.06 39,623 1.89 61.10
Northpointe Bank Grand Rapids Mich. Commercial Bank 19.29 29.85 827,634 1.86 80.12
164 First Community Bank Milton Wis. Commercial Bank 19.26 17.03 103,174 1.78 55.97
165 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 19.23 18.82 82,529 2.16 51.96
166 Community Bank Bristow Okla. Commercial Bank 19.17 19.18 81,915 1.54 54.85
167 Idabel National Bank Idabel Okla. Commercial Bank 19.14 15.54 120,909 1.75 51.88
Intracoastal Bank Palm Coast Fla. Commercial Bank 19.14 16.93 314,755 1.69 52.52
169 South Georgia Bank Glennville Ga. Commercial Bank 19.08 23.38 164,487 2.17 57.40
170 Bank of Geneva Geneva Ind. Commercial Bank 19.01 18.43 278,898 2.13 51.08
171 Citizens Bank Amarillo Tex. Commercial Bank 19.00 23.09 156,839 1.90 54.90
Peoples Savings Bank Elma Iowa Commercial Bank 19.00 18.98 71,867 1.96 49.14
173 Farmers & Stockmens Bank Clayton N.M. Commercial Bank 18.96 14.45 211,838 2.12 68.28
174 Grundy Bank Morris Ill. Commercial Bank 18.95 15.57 274,330 2.05 53.86
175 Heritage State Bank Lawrenceville Ill. Commercial Bank 18.91 19.44 97,091 1.82 57.48
176 Central National Bank of Poteau Poteau Okla. Commercial Bank 18.90 18.37 238,163 1.97 57.31
Farmers Exchange Bank Cherokee Okla. Commercial Bank 18.90 21.28 354,659 2.06 38.70
178 Flint Community Bank Albany Ga. Commercial Bank 18.89 16.58 224,920 1.57 61.63
179 Community First Bank Butler Mo. Commercial Bank 18.87 20.58 175,508 1.62 53.00
180 Alamosa State Bank Alamosa Colo. Commercial Bank 18.84 17.83 240,463 1.71 50.20
181 Stockmans Bank Altus Okla. Commercial Bank 18.79 22.01 233,904 1.61 68.33
182 First Fidelity Bank Burke S.D. Commercial Bank 18.78 17.63 367,339 1.77 56.43
183 First Whitney Bank and Trust Atlantic Iowa Commercial Bank 18.76 17.54 216,737 2.05 34.36
Millennium Bank Des Plaines Ill. Commercial Bank 18.76 22.51 92,637 2.39 62.46
185 Four Corners Community Bank Farmington N.M. Commercial Bank 18.74 18.68 359,159 2.06 51.32
186 Farmers Savings Bank Mineral Point Wis. Commercial Bank 18.72 15.02 288,028 1.65 56.52
187 Reliabank Dakota Estelline S.D. Commercial Bank 18.71 18.83 355,470 1.83 60.47
188 HNB National Bank Hannibal Mo. Commercial Bank 18.69 18.10 465,320 2.27 53.38
189 Marion County State Bank Pella Iowa Commercial Bank 18.65 18.05 298,009 2.08 45.15
190 Peoples Community Bank Greenville Mo. Commercial Bank 18.64 20.09 449,495 2.95 41.21
191 Bank of Okolona Okolona Miss. Commercial Bank 18.63 17.04 184,322 2.02 57.24
192 Farmers State Bank of Underwood Underwood Minn. Commercial Bank 18.56 18.63 66,099 1.69 63.74
193 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 18.55 16.33 141,245 1.82 57.70
194 Auburn Banking Company Auburn Ky. Commercial Bank 18.54 21.37 79,486 1.53 61.45
Bank of DeSoto, National Association Desoto Tex. Commercial Bank 18.54 15.75 190,806 1.86 60.54
196 Chesapeake Bank & Trust Company Chestertown Md. Commercial Bank 18.53 13.00 108,519 1.68 57.10
Commercial State Bank Andrews Tex. Commercial Bank 18.53 15.46 587,106 2.17 56.20
198 RiverBank Pocahontas Ark. Commercial Bank 18.52 14.54 88,860 1.72 43.39
199 Countryside Bank Countryside Ill. Commercial Bank 18.51 17.56 553,280 1.92 62.04
200 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 18.48 19.25 763,899 1.62 59.34
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 Mar. 2, 2018. Figures for prior periods are not adjusted for mergers and acquisitions.
© 2017 American Banker
Source: SNL Financial, Charlottesville, Va. (www.snl.com)