Community Banks with the Highest Returns on Average Equity (Mar. 31, 2020)

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Community Banks with the Highest Returns on Average Equity
Rank Name City State Type of charter Return on average equity 4Q 2019 Return on average equity 4Q 2018 Total assets Return on average assets Efficiency ratio
1 DR Bank Darien Conn. Commercial Bank 235.58 -17.39 $370,236 25.77 117.32
2 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 59.14 -9.17 187,526 5.34 88.20
3 NBKC Bank Kansas City Mo. Commercial Bank 53.03 12.69 833,228 6.76 67.64
4 CenTrust Bank, National Association Northbrook Ill. Commercial Bank 46.33 8.08 130,498 4.48 73.65
5 Bank of Commerce Stilwell Okla. Commercial Bank 43.03 18.19 131,854 4.46 55.51
6 FinWise Bank Murray Utah Commercial Bank 42.55 29.02 170,891 7.16 43.96
7 Beach Community Bank Fort Walton Beach Fla. Commercial Bank 40.40 -196.08 510,423 4.88 114.92
8 Willamette Valley Bank Salem Ore. Commercial Bank 36.87 29.84 268,938 4.69 70.15
9 Central Bank of Kansas City Kansas City Mo. Commercial Bank 35.16 25.71 238,195 5.80 50.89
10 Charter Bank Corpus Christi Tex. Commercial Bank 33.86 31.53 294,632 3.65 46.89
11 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 32.02 30.39 329,986 2.77 47.50
12 WestSide Bank Hiram Ga. Commercial Bank 31.56 8.87 135,250 3.10 81.88
13 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 30.86 31.45 441,172 3.47 44.04
14 Calwest Bank Irvine Calif. Commercial Bank 30.66 9.84 234,170 3.06 83.32
15 Magnolia Bank Magnolia Ky. Commercial Bank 30.62 14.11 313,272 3.06 86.44
16 Brannen Bank Inverness Fla. Commercial Bank 30.60 29.74 542,405 1.98 53.71
17 Cornerstone Bank Mount Laurel N.J. Commercial Bank 29.29 4.90 259,346 2.00 98.28
18 Allied First Bank,sb Oswego Ill. Savings Bank 29.13 -3.33 109,678 3.42 93.16
19 Apex Bank Camden Tenn. Commercial Bank 28.62 32.23 581,088 3.98 39.80
20 State Bank of Texas Dallas Tex. Commercial Bank 28.41 26.29 853,091 4.67 23.66
21 Tolleson Private Bank Dallas Tex. Commercial Bank 28.40 21.44 552,275 2.60 44.09
22 Farmers and Merchants Bank Maysville Okla. Commercial Bank 27.46 21.33 18,280 2.30 61.06
23 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 27.37 28.32 394,595 2.17 50.44
24 Quantum National Bank Suwanee Ga. Commercial Bank 27.10 24.74 512,653 3.08 43.43
25 Virginia Partners Bank Fredericksburg Va. Commercial Bank 27.04 6.59 448,984 2.76 82.74
26 Riverside Bank Sparkman Ark. Commercial Bank 26.77 28.17 60,349 2.34 54.03
27 National Bank of Andrews Andrews Tex. Commercial Bank 26.58 27.28 214,931 2.82 58.02
28 Security State Bank Sutherland Iowa Commercial Bank 26.42 24.89 228,070 2.59 41.20
29 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 26.33 27.75 296,830 2.18 60.76
30 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 25.91 26.43 319,985 2.50 50.78
31 First State Bank Louise Tex. Commercial Bank 25.72 26.58 518,824 2.40 54.24
32 Peoples Bank Mendenhall Miss. Commercial Bank 25.65 20.96 309,299 2.54 62.51
33 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 25.46 26.05 381,717 2.53 55.92
34 Douglas National Bank Douglas Ga. Commercial Bank 25.38 23.95 180,606 3.14 48.24
35 CNB Bank Carlsbad N.M. Commercial Bank 25.19 23.60 449,551 2.04 49.93
36 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 25.13 25.95 231,636 2.43 44.35
37 Heritage Bank, National Association Spicer Minn. Commercial Bank 25.11 4.06 403,053 2.37 61.33
38 Oklahoma State Bank Buffalo Okla. Commercial Bank 25.10 29.90 55,972 2.64 53.38
39 Texas Bank Financial Weatherford Tex. Commercial Bank 25.06 24.58 441,769 2.36 60.35
40 First National Bank of Anson Anson Tex. Commercial Bank 24.94 22.85 65,538 2.28 58.21
41 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 24.83 27.20 96,953 2.92 27.84
42 Bank Northwest Hamilton Mo. Commercial Bank 24.67 27.58 171,788 2.34 46.76
43 Bank of Hemet Riverside Calif. Commercial Bank 24.65 25.38 692,472 2.68 40.37
44 Central Bank and Trust Lander Wyo. Commercial Bank 24.58 4.45 159,053 2.39 55.62
45 Security First National Bank of Hugo Hugo Okla. Commercial Bank 24.42 26.15 118,030 2.24 52.01
Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 24.42 23.08 89,041 2.04 57.32
47 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 24.35 20.87 40,267 2.52 47.74
48 Englewood Bank & Trust Englewood Fla. Commercial Bank 24.18 25.05 314,440 2.32 52.25
49 North American Banking Company Roseville Minn. Commercial Bank 24.15 22.98 667,289 2.24 50.64
50 Nebraska State Bank Oshkosh Neb. Commercial Bank 24.13 26.44 49,707 4.08 39.10
51 Midwest Bank Detroit Lakes Minn. Commercial Bank 24.10 25.72 527,460 2.31 44.01
52 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 23.98 24.11 450,862 1.76 55.03
53 Citizens State Bank Miles Tex. Commercial Bank 23.95 26.18 158,984 2.30 45.77
54 Tejas Bank Monahans Tex. Commercial Bank 23.93 26.24 190,437 2.68 44.38
55 State Bank of New Richland New Richland Minn. Commercial Bank 23.88 25.17 119,248 2.22 42.15
56 NewFirst National Bank El Campo Tex. Commercial Bank 23.87 22.76 745,470 2.80 49.73
57 Community Bank Bristow Okla. Commercial Bank 23.85 25.68 87,138 2.13 50.88
58 Citizens Bank Butler Mo. Commercial Bank 23.79 19.04 151,033 2.01 61.20
59 North Valley Bank Thornton Colo. Commercial Bank 23.69 21.92 179,550 2.84 49.22
60 Bank of Hydro Hydro Okla. Commercial Bank 23.25 25.90 127,533 2.64 48.49
61 Lowry State Bank Lowry Minn. Commercial Bank 23.17 24.66 52,223 2.17 52.81
62 Millennium Bank Des Plaines Ill. Commercial Bank 23.12 21.45 153,551 2.67 58.54
63 First State Bank Scottsbluff Neb. Commercial Bank 23.07 23.72 301,352 2.25 55.92
64 Coleman County State Bank Coleman Tex. Commercial Bank 22.93 20.30 124,911 2.27 63.63
65 Midwest Community Bank Freeport Ill. Commercial Bank 22.92 8.74 244,416 2.51 79.43
Central National Bank Waco Tex. Commercial Bank 22.92 22.17 938,698 2.10 45.10
67 Farmers & Merchants Savings Bank Manchester Iowa Commercial Bank 22.91 15.05 582,350 2.74 43.86
68 Wells Bank Platte City Mo. Commercial Bank 22.90 22.05 249,659 2.26 50.63
69 Bank of Western Oklahoma Elk City Okla. Commercial Bank 22.83 22.69 304,841 1.91 57.90
70 Prime Alliance Bank Woods Cross Utah Commercial Bank 22.81 23.43 499,297 2.42 28.08
71 Twin River Bank Lewiston Idaho Commercial Bank 22.73 17.37 105,837 1.94 56.67
72 Community Bank Longview Tex. Commercial Bank 22.64 22.80 213,488 2.51 42.10
73 Wallis Bank Wallis Tex. Commercial Bank 22.63 26.98 796,690 2.70 53.70
Brunswick State Bank Brunswick Neb. Commercial Bank 22.63 26.53 136,893 2.16 41.56
First State Bank Spearman Tex. Commercial Bank 22.63 16.16 144,956 1.85 61.18
76 Grant County State Bank Swayzee Ind. Commercial Bank 22.18 22.86 196,412 2.57 29.40
77 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 22.12 22.30 215,876 3.00 45.67
78 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 22.10 23.85 613,543 2.33 54.70
79 Main Bank Albuquerque N.M. Commercial Bank 22.08 20.42 166,880 2.02 47.06
80 Citizens State Bank Marysville Kan. Commercial Bank 21.88 22.82 354,208 2.25 36.58
81 Bank of Mauston Mauston Wis. Commercial Bank 21.85 22.05 295,312 2.84 39.24
82 Ultima Bank Minnesota Winger Minn. Commercial Bank 21.82 23.31 188,654 2.26 54.84
83 Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 21.73 21.35 206,728 2.56 80.41
84 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 21.63 20.50 862,614 1.85 56.32
85 Bank of Cordell Cordell Okla. Commercial Bank 21.60 16.24 37,430 2.33 57.91
86 First Colony Bank of Florida Maitland Fla. Commercial Bank 21.54 21.63 231,322 2.14 45.03
87 PrinsBank Prinsburg Minn. Commercial Bank 21.52 23.30 146,642 3.53 42.42
88 New Haven Bank New Haven Conn. Commercial Bank 21.45 5.25 147,685 2.22 81.84
89 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 21.37 22.94 295,579 2.01 53.41
90 Commercial Bank Crawford Ga. Commercial Bank 21.20 23.07 232,672 2.28 52.54
91 Brighton Bank Salt Lake City Utah Commercial Bank 21.16 21.68 219,734 2.69 50.71
92 Thomasville National Bank Thomasville Ga. Commercial Bank 21.13 21.34 955,436 1.97 46.05
93 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 21.12 23.06 178,904 2.11 54.16
94 Phelps County Bank Rolla Mo. Commercial Bank 21.08 23.05 374,866 1.61 64.86
95 First Bank of Berne Berne Ind. Commercial Bank 21.02 20.63 714,301 2.15 49.35
96 First National Bank of Evant Evant Tex. Commercial Bank 20.99 20.07 99,257 1.92 63.34
97 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 20.96 22.32 89,572 2.22 56.06
98 Benchmark Bank Plano Tex. Commercial Bank 20.93 22.78 800,874 1.93 74.04
99 PromiseOne Bank Duluth Ga. Commercial Bank 20.90 22.86 450,362 2.74 52.70
100 Idabel National Bank Idabel Okla. Commercial Bank 20.86 19.47 131,764 2.05 50.88
101 Grundy Bank Morris Ill. Commercial Bank 20.77 19.67 275,209 2.31 53.12
Freedom Bank Huntingburg Ind. Commercial Bank 20.77 21.70 447,085 2.17 43.56
103 Crown Bank Elizabeth N.J. Commercial Bank 20.73 10.61 523,218 4.04 41.41
104 First Bank of Owasso Owasso Okla. Commercial Bank 20.72 21.04 408,475 2.20 45.06
Bank of Columbia Columbia Ky. Commercial Bank 20.72 20.81 148,828 2.12 56.41
Marion County State Bank Pella Iowa Commercial Bank 20.72 18.02 470,484 2.05 52.36
107 Charlevoix State Bank Charlevoix Mich. Commercial Bank 20.66 21.29 194,466 1.91 61.58
108 Crockett National Bank San Antonio Tex. Commercial Bank 20.65 18.12 660,762 2.56 72.79
109 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.62 21.04 877,477 2.07 53.02
110 Middletown State Bank Middletown Ill. Commercial Bank 20.58 19.83 37,802 1.98 37.80
Delta Bank Vidalia La. Commercial Bank 20.58 20.82 309,638 1.74 63.65
112 Bank of Texas Midland Tex. Commercial Bank 20.55 21.09 395,158 2.63 31.88
113 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 20.54 22.19 217,320 1.78 61.16
Sherburne State Bank Becker Minn. Commercial Bank 20.54 15.69 131,371 1.65 55.07
115 Grand Marais State Bank Grand Marais Minn. Commercial Bank 20.53 21.42 90,163 1.59 59.66
116 Bank of Ontario Ontario Wis. Commercial Bank 20.46 16.26 49,173 2.40 55.18
Bendena State Bank Bendena Kan. Commercial Bank 20.46 16.29 65,621 2.01 53.30
118 Charter West Bank West Point Neb. Commercial Bank 20.42 13.68 288,563 1.93 74.08
119 Citizens Bank Amarillo Tex. Commercial Bank 20.40 20.85 181,167 2.15 51.71
120 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 20.39 20.67 539,180 2.59 32.05
121 Community Bank of Raymore Raymore Mo. Commercial Bank 20.36 26.53 269,093 1.70 67.23
122 Coffee County Bank Manchester Tenn. Commercial Bank 20.32 23.08 199,092 2.37 47.48
123 Intracoastal Bank Palm Coast Fla. Commercial Bank 20.31 21.47 344,313 1.88 50.57
124 Southwest Bank Odessa Tex. Commercial Bank 20.30 20.78 456,302 1.73 66.17
125 Old Fort Banking Company Old Fort Ohio Commercial Bank 20.27 21.53 566,263 1.63 59.01
126 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 20.16 22.19 295,292 2.75 44.23
127 Fresno First Bank Fresno Calif. Commercial Bank 20.15 17.00 538,319 1.89 48.86
128 Bank of Star Valley Afton Wyo. Commercial Bank 20.14 20.06 237,130 2.05 46.47
129 Bank of England England Ark. Commercial Bank 20.12 9.10 464,504 2.72 91.29
130 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 20.09 20.35 145,082 2.13 55.31
131 First National Bank of Las Animas Las Animas Colo. Commercial Bank 20.08 21.51 377,118 2.50 46.77
First State Bank Watonga Okla. Commercial Bank 20.08 21.83 72,846 2.06 52.48
133 Colorado Bank and Trust Company of La Junta La Junta Colo. Commercial Bank 20.04 19.59 142,296 1.90 58.45
134 First Bank Burkburnett Tex. Commercial Bank 20.03 19.76 478,725 2.25 68.98
135 F & C Bank Holden Mo. Commercial Bank 19.99 19.52 234,223 2.10 58.13
136 Prime Bank Edmond Okla. Commercial Bank 19.98 20.89 285,956 2.55 39.72
Auburn Banking Company Auburn Ky. Commercial Bank 19.98 22.35 84,493 1.82 61.01
138 First Bank and Trust New Orleans La. Commercial Bank 19.93 17.82 977,512 1.97 63.42
139 Georgia Community Bank Dawson Ga. Commercial Bank 19.92 4.36 331,527 1.88 67.26
140 Jonesburg State Bank Jonesburg Mo. Commercial Bank 19.91 18.32 100,347 1.60 63.39
141 Bank of Bozeman Bozeman Mont. Commercial Bank 19.88 7.78 80,301 2.26 85.73
142 Bank of Weston Weston Mo. Commercial Bank 19.83 16.26 149,639 1.66 64.38
143 First Bank Erick Okla. Commercial Bank 19.79 18.97 72,316 2.43 56.02
144 First State Bank & Trust Company Fremont Neb. Commercial Bank 19.78 17.87 258,760 1.87 60.30
145 Cornerstone Bank Eureka Springs Ark. Commercial Bank 19.68 15.91 336,837 1.59 62.89
146 Home Bank of California San Diego Calif. Commercial Bank 19.62 20.73 177,359 2.74 40.73
147 Peoples Bank Paris Tex. Commercial Bank 19.61 16.36 153,482 1.61 71.44
148 Town and Country Bank Midwest Quincy Ill. Commercial Bank 19.59 19.53 192,075 2.15 52.72
149 FirstBank of Nebraska Wahoo Neb. Commercial Bank 19.54 20.42 282,384 2.06 39.92
150 Union Bank of Mena Mena Ark. Commercial Bank 19.52 21.11 266,934 2.04 56.97
151 First State Bank of Le Center Le Center Minn. Commercial Bank 19.51 15.74 86,916 2.15 53.68
152 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 19.47 23.94 180,266 1.99 43.12
Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 19.47 25.84 564,599 1.63 50.57
154 Alamosa State Bank Alamosa Colo. Commercial Bank 19.45 21.88 253,177 1.99 47.90
155 Tri Valley Bank Talmage Neb. Commercial Bank 19.41 22.32 51,935 1.70 47.81
156 Security Bank USA Bemidji Minn. Commercial Bank 19.40 18.17 156,443 1.79 64.57
157 Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 19.39 29.87 180,124 1.89 58.09
158 Citizens First National Bank Storm Lake Iowa Commercial Bank 19.37 19.69 209,171 2.23 46.72
159 HomeBank Texas Seagoville Tex. Commercial Bank 19.35 21.61 201,434 2.11 54.08
160 HNB National Bank Hannibal Mo. Commercial Bank 19.34 18.97 517,723 2.64 49.83
161 Platte Valley Bank Torrington Wyo. Commercial Bank 19.27 15.57 452,945 1.98 49.80
162 Woodford State Bank Monroe Wis. Commercial Bank 19.25 20.41 254,520 1.76 57.10
163 Great Plains National Bank Hollis Okla. Commercial Bank 19.24 22.10 814,382 1.94 71.66
164 Security State Bank Tyndall S.D. Commercial Bank 19.20 18.00 219,417 1.83 48.60
165 Paradise Bank Boca Raton Fla. Commercial Bank 19.19 20.86 333,057 2.11 62.05
166 Bank of Montana Missoula Mont. Commercial Bank 19.18 35.36 96,540 2.38 58.40
167 Mississippi River Bank Belle Chasse La. Commercial Bank 19.17 24.68 106,155 2.67 54.06
168 ValueBank Texas Corpus Christi Tex. Commercial Bank 19.14 12.69 237,567 2.06 60.96
Crowell State Bank Crowell Tex. Commercial Bank 19.14 18.09 41,287 2.03 59.92
170 FirstOak Bank Independence Kan. Commercial Bank 19.12 17.69 186,144 2.05 56.49
Premier Bank Minnesota Farmington Minn. Commercial Bank 19.12 19.30 266,510 1.89 56.78
172 First Whitney Bank and Trust Atlantic Iowa Commercial Bank 19.07 20.19 231,742 2.12 36.69
Farmers State Bank of Underwood Underwood Minn. Commercial Bank 19.07 17.87 73,006 1.79 61.72
174 Grand Savings Bank Grove Okla. Commercial Bank 19.05 19.73 541,467 1.79 62.78
175 Valor Bank Edmond Okla. Commercial Bank 19.03 30.22 100,086 1.73 69.25
176 Sound Banking Company Lakewood Wash. Commercial Bank 19.02 21.06 54,721 1.84 63.79
177 Crawford County Trust and Savings Bank Denison Iowa Commercial Bank 19.00 17.50 199,967 1.86 57.33
178 Adrian State Bank Adrian Minn. Commercial Bank 18.95 17.18 54,856 1.79 56.58
179 Pony Express Bank Liberty Mo. Commercial Bank 18.94 19.33 176,255 2.37 52.40
180 Ennis State Bank Ennis Tex. Commercial Bank 18.92 17.84 261,061 1.88 59.91
181 South Georgia Bank Glennville Ga. Commercial Bank 18.87 20.97 163,406 2.37 54.89
182 First State Bank Clute Tex. Commercial Bank 18.84 21.14 201,422 1.78 60.59
183 American State Bank Osceola Iowa Commercial Bank 18.78 20.64 221,431 1.79 55.11
184 First State Bank Elmore City Okla. Commercial Bank 18.72 11.54 13,709 2.50 90.66
Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 18.72 20.38 215,337 1.63 55.22
186 Farmers Trust & Savings Bank Earling Iowa Commercial Bank 18.71 16.29 98,093 1.82 57.89
First Bank Kansas Salina Kan. Commercial Bank 18.71 21.38 443,125 1.76 65.08
188 North Shore Bank of Commerce Duluth Minn. Commercial Bank 18.67 15.78 286,645 1.65 74.16
189 Plumas Bank Quincy Calif. Commercial Bank 18.66 20.88 864,533 1.89 48.13
190 Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 18.64 18.45 198,377 1.76 58.55
191 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 18.63 21.69 231,229 1.99 52.65
Community First Bank Kansas City Kan. Commercial Bank 18.63 18.42 205,103 1.79 52.39
193 Bippus State Bank Huntington Ind. Commercial Bank 18.54 18.78 189,852 2.04 58.34
Sterling Bank Barron Wis. Commercial Bank 18.54 18.41 248,865 1.64 56.09
195 Adrian Bank Adrian Mo. Commercial Bank 18.50 14.78 140,485 2.15 52.28
Lake Elmo Bank Lake Elmo Minn. Commercial Bank 18.50 18.22 376,074 1.82 58.66
197 TexasBank Brownwood Tex. Commercial Bank 18.48 19.51 495,325 2.51 52.77
Pine Island Bank Pine Island Minn. Commercial Bank 18.48 17.00 109,290 2.07 45.10
199 Elysian Bank Elysian Minn. Commercial Bank 18.47 16.02 50,617 2.09 55.93
200 Wauchula State Bank Wauchula Fla. Commercial Bank 18.46 18.12 724,975 2.23 49.61
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. 6, 2020. Figures for prior periods are not adjusted for mergers and acquisitions.

© 2019 American Banker

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