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Community banking

Community Banks with the Highest Returns on Average Equity

March 11, 2019, 12:12 p.m. EDT 1 Min Read

Year to date through Dec. 31, 2018. Dollars in thousands.

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Community Banks with the Highest Returns on Average Equity

Return on average equity

 Total Return on  Efficiency
Rank Name City State Type of charter 4Q 2018 4Q 2017 assets average assets ratio
1 Independence Bank East Greenwich R.I. Commercial Bank 43.89 25.01 $63,827 9.54 32.74
2 Haverford Trust Company Radnor Pa. Commercial Bank 43.63 27.52 128,577 7.82 76.87
3 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 35.48 30.20 328,585 1.80 73.15
4 First Secure Bank and Trust Co. Palos Hills Ill. Commercial Bank 35.41 6.94 148,993 3.45 60.11
5 Bank of Montana Missoula Mont. Commercial Bank 35.36 46.30 86,550 4.04 48.05
6 Valley Bank of Nevada North Las Vegas Nev. Commercial Bank 34.81 9.96 134,537 3.06 86.05
7 Golden State Bank Glendale Calif. Commercial Bank 33.58 11.60 307,840 3.68 60.17
8 Town & Country Bank Las Vegas Nev. Commercial Bank 33.12 38.57 172,757 3.90 52.13
9 Apex Bank Camden Tenn. Commercial Bank 32.23 18.62 559,994 3.95 40.00
10 Bank 7 Oklahoma City Okla. Commercial Bank 31.78 35.68 769,508 3.49 35.83
11 Heritage Bank Hinesville Ga. Commercial Bank 31.77 -11.84 590,842 2.54 76.54
12 Northern State Bank of Virginia Virginia Minn. Commercial Bank 31.68 10.36 71,954 2.74 40.93
13 Charter Bank Corpus Christi Tex. Commercial Bank 31.53 28.38 282,122 3.26 45.88
14 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 31.45 28.08 420,967 3.18 45.91
15 Central Bank Savannah Tenn. Commercial Bank 31.33 7.37 94,170 3.27 81.20
16 Golden Pacific Bank, National Association Sacramento Calif. Commercial Bank 31.20 9.99 128,396 3.14 78.89
17 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 30.39 29.46 280,047 2.64 49.22
18 Valor Bank Edmond Okla. Commercial Bank 30.22 10.17 82,938 2.71 59.60
19 Oklahoma State Bank Buffalo Okla. Commercial Bank 29.90 23.84 56,628 3.08 49.30
20 Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 29.87 17.50 105,391 2.97 54.82
21 Willamette Valley Bank Salem Ore. Commercial Bank 29.84 23.41 241,136 3.53 75.32
22 Platinum Bank Oakdale Minn. Commercial Bank 29.80 12.05 254,539 2.58 58.26
23 Brannen Bank Inverness Fla. Commercial Bank 29.74 24.05 524,415 1.77 55.16
24 State Bank of Southwest Missouri Springfield Mo. Commercial Bank 29.66 17.43 117,073 2.10 59.96
25 FinWise Bank Murray Utah Commercial Bank 29.02 25.27 116,270 4.89 56.88
26 New Century Bank Belleville Kan. Commercial Bank 28.34 23.20 55,863 3.07 58.19
27 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 28.32 25.00 373,533 2.10 50.57
28 Riverside Bank Sparkman Ark. Commercial Bank 28.17 27.87 62,570 2.38 52.67
29 Peoples Bank Eatonton Ga. Commercial Bank 27.95 -0.94 119,968 1.35 75.50
30 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 27.75 26.63 253,711 2.31 59.61
31 Bank Northwest Hamilton Mo. Commercial Bank 27.58 24.40 166,014 2.36 52.22
32 National Bank of Andrews Andrews Tex. Commercial Bank 27.28 24.99 216,144 2.95 56.00
33 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 27.20 30.64 91,128 3.00 32.77
34 Wallis Bank Wallis Tex. Commercial Bank 26.98 24.71 719,184 2.96 50.52
35 First State Bank Louise Tex. Commercial Bank 26.58 21.29 483,190 2.29 56.21
36 Brunswick State Bank Brunswick Neb. Commercial Bank 26.53 21.75 133,745 2.45 40.48
Community Bank of Raymore Raymore Mo. Commercial Bank 26.53 39.97 257,150 2.15 65.14
38 Nebraska State Bank Oshkosh Neb. Commercial Bank 26.44 25.75 52,123 4.15 37.41
39 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 26.43 25.32 314,141 2.36 51.26
40 EH National Bank Beverly Hills Calif. Commercial Bank 26.34 4.31 206,024 4.55 89.83
41 State Bank of Texas Dallas Tex. Commercial Bank 26.29 44.40 919,422 4.61 25.78
42 Tejas Bank Monahans Tex. Commercial Bank 26.24 16.66 176,873 2.85 42.69
43 Citizens State Bank Miles Tex. Commercial Bank 26.18 25.36 149,385 2.61 44.01
44 Security First National Bank of Hugo Hugo Okla. Commercial Bank 26.15 19.73 111,917 2.34 52.36
45 Security Bank, s.b. Springfield Ill. Savings Bank 26.08 2.92 147,726 2.53 83.13
46 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 26.05 22.77 348,341 2.21 55.86
47 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 25.95 21.77 224,420 2.26 45.50
48 Bank of Hydro Hydro Okla. Commercial Bank 25.90 26.27 126,267 2.77 45.35
49 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 25.84 22.61 519,326 2.00 55.98
50 Midwest Bank Detroit Lakes Minn. Commercial Bank 25.72 23.30 466,891 2.39 45.26
51 1st Bank & Trust Broken Bow Okla. Commercial Bank 25.71 25.00 152,040 2.56 47.42
Central Bank of Kansas City Kansas City Mo. Commercial Bank 25.71 22.28 177,251 4.78 57.06
53 Community Bank Bristow Okla. Commercial Bank 25.68 19.17 85,846 2.13 53.74
54 Bank of Hemet Riverside Calif. Commercial Bank 25.38 23.43 724,035 2.57 40.20
55 State Bank of New Richland New Richland Minn. Commercial Bank 25.17 24.94 111,034 2.41 41.48
56 Englewood Bank & Trust Englewood Fla. Commercial Bank 25.05 23.26 285,027 2.14 50.70
57 Security State Bank Sutherland Iowa Commercial Bank 24.89 27.26 139,969 2.53 33.93
58 Quantum National Bank Suwanee Ga. Commercial Bank 24.74 16.15 489,828 2.84 43.66
59 Lowry State Bank Lowry Minn. Commercial Bank 24.66 17.95 50,913 2.55 49.28
60 Points West Community Bank Windsor Colo. Commercial Bank 24.62 20.26 252,303 2.47 45.78
61 Texas Bank Financial Weatherford Tex. Commercial Bank 24.58 22.44 348,428 2.46 63.62
62 Mississippi River Bank Belle Chasse La. Commercial Bank 24.36 21.19 112,459 2.88 50.95
63 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 24.11 19.76 447,930 1.69 53.78
64 Bank of Soperton Soperton Ga. Commercial Bank 24.04 18.39 79,062 2.22 60.31
65 Douglas National Bank Douglas Ga. Commercial Bank 23.95 22.83 179,334 2.89 51.61
66 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 23.94 21.45 178,976 2.32 40.19
67 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 23.85 22.19 559,864 2.33 54.89
Goodfield State Bank Goodfield Ill. Commercial Bank 23.85 17.26 122,073 2.97 47.75
69 Village Bank Saint Francis Minn. Commercial Bank 23.74 20.54 295,686 1.87 58.85
70 First State Bank Scottsbluff Neb. Commercial Bank 23.72 25.15 218,213 2.60 49.59
71 First National Bank of Central Texas Waco Tex. Commercial Bank 23.68 22.22 851,721 2.15 48.55
72 Welcome State Bank Welcome Minn. Commercial Bank 23.63 21.16 30,559 2.53 56.73
73 Bank of Baker Baker Mont. Commercial Bank 23.55 21.73 130,054 2.61 40.49
74 Sutton Bank Attica Ohio Commercial Bank 23.45 16.30 525,258 2.41 53.75
75 Prime Alliance Bank Woods Cross Utah Commercial Bank 23.43 20.91 420,942 2.50 30.01
76 Ultima Bank Minnesota Winger Minn. Commercial Bank 23.31 22.73 176,649 2.39 52.78
77 PrinsBank Prinsburg Minn. Commercial Bank 23.30 25.88 138,847 3.70 45.80
78 Coffee County Bank Manchester Tenn. Commercial Bank 23.08 22.52 191,293 2.65 45.31
Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 23.08 22.78 82,320 1.80 60.11
80 Commercial Bank Crawford Ga. Commercial Bank 23.07 21.10 183,315 2.47 49.06
81 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 23.06 22.80 179,759 2.14 58.24
82 Phelps County Bank Rolla Mo. Commercial Bank 23.05 20.05 361,892 1.51 65.31
83 North American Banking Company Roseville Minn. Commercial Bank 22.98 20.20 582,603 1.99 52.44
84 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 22.94 16.12 266,601 2.27 53.59
85 Grant County State Bank Swayzee Ind. Commercial Bank 22.86 21.87 177,183 2.48 30.94
NOA Bank Duluth Ga. Commercial Bank 22.86 26.77 387,614 2.84 51.27
87 First National Bank of Anson Anson Tex. Commercial Bank 22.85 15.73 62,995 1.89 59.01
88 Citizens State Bank Marysville Kan. Commercial Bank 22.82 21.94 347,756 2.18 37.58
89 Community Bank Longview Tex. Commercial Bank 22.80 22.57 219,573 2.38 42.80
90 Benchmark Bank Plano Tex. Commercial Bank 22.78 18.04 582,756 2.28 69.04
91 First National Bank of Cokato Cokato Minn. Commercial Bank 22.77 19.35 62,114 1.71 58.98
92 NewFirst National Bank El Campo Tex. Commercial Bank 22.76 21.28 712,353 2.58 51.30
93 Bank of Western Oklahoma Elk City Okla. Commercial Bank 22.69 17.10 288,186 1.94 58.46
94 Auburn Banking Company Auburn Ky. Commercial Bank 22.35 18.54 78,621 1.87 59.72
95 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 22.32 23.02 81,937 2.20 56.53
Tri Valley Bank Talmage Neb. Commercial Bank 22.32 22.57 47,467 1.93 41.36
97 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 22.30 20.10 204,761 2.93 47.27
98 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 22.19 17.49 206,336 1.70 62.52
Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 22.19 21.08 294,284 2.85 42.04
100 Central National Bank Waco Tex. Commercial Bank 22.17 21.51 883,973 1.97 47.01
101 Great Plains National Bank Hollis Okla. Commercial Bank 22.10 21.51 769,862 2.29 69.73
102 Bank of Mauston Mauston Wis. Commercial Bank 22.05 21.31 291,045 2.65 41.44
Wells Bank Platte City Mo. Commercial Bank 22.05 21.23 230,288 2.09 50.06
104 Southwest Bank Odessa Tex. Commercial Bank 21.97 17.00 417,655 1.91 65.32
105 North Valley Bank Thornton Colo. Commercial Bank 21.92 21.18 169,563 2.54 51.68
106 Horizon Bank, SSB Austin Tex. Savings Bank 21.89 16.95 990,721 1.83 54.87
107 Alamosa State Bank Alamosa Colo. Commercial Bank 21.88 18.84 245,654 2.02 46.92
108 First Fidelity Bank Burke S.D. Commercial Bank 21.86 18.78 362,483 1.98 53.07
109 Freedom Bank Huntingburg Ind. Commercial Bank 21.70 21.92 419,791 2.27 43.10
110 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 21.69 19.64 224,796 2.14 51.39
111 Brighton Bank Salt Lake City Utah Commercial Bank 21.68 17.46 208,859 2.45 53.05
112 Native American Bank, National Association Denver Colo. Commercial Bank 21.67 7.51 113,297 2.35 90.95
113 First Colony Bank of Florida Maitland Fla. Commercial Bank 21.63 18.42 216,878 2.17 47.21
114 HomeBank Texas Seagoville Tex. Commercial Bank 21.61 15.53 189,096 2.16 54.02
115 Security National Bank of Enid Enid Okla. Commercial Bank 21.57 13.02 326,532 1.90 49.08
116 Premier Bank Rock Valley Iowa Commercial Bank 21.56 13.62 552,325 2.28 33.70
117 First National Bank Arcadia La. Commercial Bank 21.54 23.01 247,353 1.88 67.38
118 Old Fort Banking Company Old Fort Ohio Commercial Bank 21.53 16.84 532,827 1.57 57.98
119 First National Bank of Las Animas Las Animas Colo. Commercial Bank 21.51 20.13 361,632 2.51 46.64
120 Intracoastal Bank Palm Coast Fla. Commercial Bank 21.47 19.14 326,316 1.80 51.96
121 Millennium Bank Des Plaines Ill. Commercial Bank 21.45 18.76 116,804 2.52 60.13
122 Tolleson Private Bank Dallas Tex. Commercial Bank 21.44 22.28 515,892 1.79 44.89
123 Grand Marais State Bank Grand Marais Minn. Commercial Bank 21.42 20.32 87,973 1.54 57.76
Peoples Bank & Trust Company Ryan Okla. Commercial Bank 21.42 36.58 39,979 2.99 95.07
125 First Bank Kansas Salina Kan. Commercial Bank 21.38 17.86 429,298 1.70 62.94
Signature Bank Rosemont Ill. Commercial Bank 21.38 14.67 875,269 1.89 42.61
127 Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 21.35 19.47 197,445 2.14 81.64
128 Thomasville National Bank Thomasville Ga. Commercial Bank 21.34 16.86 879,101 2.00 46.92
129 Farmers and Merchants Bank Maysville Okla. Commercial Bank 21.33 19.49 18,800 1.70 67.22
130 Charlevoix State Bank Charlevoix Mich. Commercial Bank 21.29 19.71 186,601 1.87 61.44
131 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 21.16 21.21 52,372 2.73 44.69
132 Bank of Morton Morton Miss. Commercial Bank 21.15 21.66 67,784 3.06 52.29
133 First State Bank Clute Tex. Commercial Bank 21.14 15.04 190,333 1.79 61.66
134 Union Bank of Mena Mena Ark. Commercial Bank 21.11 19.49 259,013 2.19 55.38
135 Bank of Texas Midland Tex. Commercial Bank 21.09 16.70 375,768 2.41 32.37
136 Sound Banking Company Lakewood Wash. Commercial Bank 21.06 19.86 61,217 1.97 63.03
137 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 21.04 20.53 858,390 1.96 54.74
First Bank of Owasso Owasso Okla. Commercial Bank 21.04 21.52 393,619 2.27 46.02
139 South Georgia Bank Glennville Ga. Commercial Bank 20.97 19.08 159,559 2.37 56.67
Waycross Bank & Trust Waycross Ga. Commercial Bank 20.97 14.15 157,805 2.02 67.07
141 Peoples Bank Mendenhall Miss. Commercial Bank 20.96 23.89 297,303 1.99 70.00
142 First Security Bank Beaver Okla. Commercial Bank 20.91 16.42 120,830 1.89 53.45
First State Bank Boise City Okla. Commercial Bank 20.91 14.59 77,953 1.72 58.06
144 Prime Bank Edmond Okla. Commercial Bank 20.89 25.02 267,899 2.63 43.30
145 Plumas Bank Quincy Calif. Commercial Bank 20.88 13.65 823,797 1.89 50.41
146 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 20.87 16.85 39,475 2.15 53.58
147 Paradise Bank Boca Raton Fla. Commercial Bank 20.86 21.02 299,473 2.16 62.07
148 Citizens Bank Amarillo Tex. Commercial Bank 20.85 19.00 159,818 2.12 52.35
149 Ericson State Bank Ericson Neb. Commercial Bank 20.84 16.72 103,404 2.06 39.08
150 Delta Bank Vidalia La. Commercial Bank 20.82 20.50 296,921 1.67 61.82
151 Bank of Columbia Columbia Ky. Commercial Bank 20.81 22.23 139,065 2.06 58.54
152 Rabun County Bank Clayton Ga. Commercial Bank 20.78 10.89 176,217 2.57 69.99
153 Wood & Huston Bank Marshall Mo. Commercial Bank 20.77 15.51 713,950 2.41 50.73
154 Home Bank of California San Diego Calif. Commercial Bank 20.73 19.36 163,685 3.05 38.00
155 Morris Bank Dublin Ga. Commercial Bank 20.72 20.67 749,629 2.15 52.45
156 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 20.67 19.39 501,366 2.49 33.87
157 American State Bank Osceola Iowa Commercial Bank 20.64 20.39 212,080 1.86 55.66
158 First Bank of Berne Berne Ind. Commercial Bank 20.63 19.68 711,379 1.93 51.77
159 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 20.50 18.48 810,090 1.76 58.16
160 Community First Bank Butler Mo. Commercial Bank 20.48 18.87 180,413 1.80 53.16
161 First National Bank of Layton Layton Utah Commercial Bank 20.42 14.34 334,709 2.69 56.95
FirstBank of Nebraska Wahoo Neb. Commercial Bank 20.42 13.17 269,734 1.95 42.38
Main Bank Albuquerque N.M. Commercial Bank 20.42 21.08 143,543 1.97 46.10
164 Woodford State Bank Monroe Wis. Commercial Bank 20.41 17.57 229,846 1.80 54.79
165 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 20.38 19.91 206,702 1.63 55.91
166 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 20.35 18.55 143,319 2.02 55.46
167 Coleman County State Bank Coleman Tex. Commercial Bank 20.30 11.00 114,980 2.03 65.59
168 Security State Bank Cheyenne Okla. Commercial Bank 20.29 16.98 173,984 2.85 40.24
169 NSB Bank Mason City Iowa Commercial Bank 20.24 20.45 203,747 2.12 44.19
170 First National Bank of Picayune Picayune Miss. Commercial Bank 20.23 17.96 208,597 2.67 49.79
West Town Bank & Trust North Riverside Ill. Commercial Bank 20.23 9.48 261,336 2.35 56.72
172 First Whitney Bank and Trust Atlantic Iowa Commercial Bank 20.19 18.76 226,083 2.12 36.07
173 First Bank Dalton Ga. Commercial Bank 20.18 16.70 366,458 1.63 54.45
174 Star Bank Maple Lake Minn. Commercial Bank 20.11 19.49 290,404 1.95 60.04
175 Bank of the West Thomas Okla. Commercial Bank 20.08 20.81 152,656 2.38 51.95
176 First National Bank of Evant Evant Tex. Commercial Bank 20.07 17.40 98,277 1.62 66.47
177 Bank of Star Valley Afton Wyo. Commercial Bank 20.06 15.56 213,076 1.95 50.28
178 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 20.03 18.54 172,864 2.22 59.46
179 Heritage Bank of Nevada Reno Nev. Commercial Bank 20.02 14.36 829,650 2.31 37.18
180 Middletown State Bank Middletown Ill. Commercial Bank 19.83 18.06 38,255 1.89 39.39
181 FirstBank Antlers Okla. Commercial Bank 19.80 17.40 335,689 1.75 72.84
182 Clear Lake Bank and Trust Company Clear Lake Iowa Commercial Bank 19.77 19.98 425,053 1.70 56.94
183 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 19.76 18.14 113,858 2.08 46.93
First Bank Burkburnett Tex. Commercial Bank 19.76 24.83 420,019 2.28 69.68
185 Regional Missouri Bank Marceline Mo. Commercial Bank 19.75 17.91 244,113 1.96 51.30
186 First National Bank of Oklahoma Oklahoma City Okla. Commercial Bank 19.73 20.64 499,973 1.66 56.39
Grand Savings Bank Grove Okla. Commercial Bank 19.73 16.37 477,591 1.77 63.00
188 Grandview Bank Grandview Tex. Commercial Bank 19.72 8.46 202,974 1.67 49.53
189 Heartland State Bank Redfield S.D. Commercial Bank 19.70 15.19 87,210 2.43 54.41
190 Citizens First National Bank Storm Lake Iowa Commercial Bank 19.69 17.53 217,198 2.15 46.32
191 Grundy Bank Morris Ill. Commercial Bank 19.67 18.95 271,353 2.17 54.30
192 Foresight Bank Plainview Minn. Commercial Bank 19.63 16.11 245,797 1.79 52.23
193 Lamar Bank and Trust Company Lamar Mo. Commercial Bank 19.61 20.69 160,464 2.00 55.44
194 Colorado Bank and Trust Company of La Junta La Junta Colo. Commercial Bank 19.59 6.51 134,365 1.61 63.00
195 Valley State Bank Syracuse Kan. Commercial Bank 19.58 16.15 141,181 1.76 63.41
196 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 19.57 19.23 79,523 2.31 52.75
197 State Savings Bank Creston Iowa Commercial Bank 19.56 19.31 118,297 1.92 51.79
198 Town and Country Bank Midwest Quincy Ill. Commercial Bank 19.53 17.93 167,003 2.22 53.06
199 F & C Bank Holden Mo. Commercial Bank 19.52 18.19 222,158 1.92 58.74
200 TexasBank Brownwood Tex. Commercial Bank 19.51 18.20 486,790 2.58 50.43

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. 8, 2019. Figures for prior periods are not adjusted for mergers and acquisitions.
© 2018 American Banker Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)

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