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Community banking

Community Banks with the Highest Returns on Average Equity

May 29, 2018, 11:30 a.m. EDT 1 Min Read

Year to date through Mar. 31, 2018. 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 1Q 2018 1Q 2017
1 Haverford Trust Company Radnor Pa. Commercial Bank 48.47 33.72 $140,985 8.03 75.41
2 Apex Bank Camden Tenn. Commercial Bank 44.30 37.10 546,195 6.29 29.67
3 Community Bank of Raymore Raymore Mo. Commercial Bank 43.88 38.31 245,382 3.59 45.56
4 Benchmark Bank Plano Tex. Commercial Bank 42.76 31.97 562,028 4.35 55.69
5 Independence Bank East Greenwich R.I. Commercial Bank 42.55 18.19 59,477 7.89 38.43
6 Texas National Bank Mercedes Tex. Commercial Bank 38.86 14.72 262,691 3.55 45.86
7 Wood & Huston Bank Marshall Mo. Commercial Bank 35.76 17.35 676,755 4.12 37.00
8 Bank 7 Oklahoma City Okla. Commercial Bank 34.04 42.83 705,775 3.66 36.24
9 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 33.95 28.46 388,680 3.23 45.63
10 PrinsBank Prinsburg Minn. Commercial Bank 33.50 45.15 129,638 5.23 39.30
11 First Citizens Bank of Polson, National Association Polson Mont. Commercial Bank 33.33 -13.96 18,686 2.48 66.02
12 Utah Independent Bank Salina Utah Commercial Bank 33.24 10.94 81,633 4.53 40.09
13 Commercial State Bank Palmer Tex. Commercial Bank 31.84 21.12 82,296 2.43 56.18
14 Collins State Bank Collins Wis. Commercial Bank 30.99 6.32 81,723 2.66 54.39
15 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 30.58 28.40 248,911 2.63 46.89
16 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 30.12 29.60 84,085 3.22 30.15
17 Flint Community Bank Albany Ga. Commercial Bank 29.73 16.59 221,274 2.50 50.62
18 Bank of Montana Missoula Mont. Commercial Bank 29.37 96.73 84,476 3.11 50.80
Farmers State Bank Stickney S.D. Commercial Bank 29.37 12.55 118,338 3.25 37.46
20 Rock Canyon Bank Provo Utah Commercial Bank 28.83 24.24 398,505 2.78 54.61
21 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 28.78 26.64 358,628 2.19 48.96
22 Riverside Bank Sparkman Ark. Commercial Bank 28.67 22.88 60,703 2.44 52.87
23 First National Bank at Saint James Saint James Minn. Commercial Bank 28.65 4.67 30,900 2.40 66.34
24 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 28.53 27.81 245,013 2.41 57.05
25 Sound Banking Company Lakewood Wash. Commercial Bank 28.05 22.30 58,663 2.55 50.70
26 Charter Bank Corpus Christi Tex. Commercial Bank 28.02 29.67 263,806 3.06 35.54
27 Tolleson Private Bank Dallas Tex. Commercial Bank 27.63 24.05 549,650 2.19 44.87
28 AmeriState Bank Atoka Okla. Commercial Bank 27.51 22.84 272,386 2.49 60.01
29 Wallis State Bank Wallis Tex. Commercial Bank 27.09 24.32 634,660 2.81 50.82
Welcome State Bank Welcome Minn. Commercial Bank 27.09 18.01 28,742 2.75 48.65
31 Security First National Bank of Hugo Hugo Okla. Commercial Bank 27.08 21.54 113,643 2.24 50.72
32 Bank of Hydro Hydro Okla. Commercial Bank 26.85 25.41 126,774 2.80 42.44
33 Brannen Bank Inverness Fla. Commercial Bank 26.69 23.22 514,110 1.63 56.08
34 Community Bank Bristow Okla. Commercial Bank 26.45 20.70 86,339 2.07 54.91
35 Stanley Bank Overland Park Kan. Commercial Bank 26.38 9.34 110,735 4.63 47.56
36 McKenzie Banking Company McKenzie Tenn. Commercial Bank 26.08 8.15 132,347 3.40 51.01
37 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 25.93 21.87 177,970 2.59 42.49
38 1st Bank & Trust Broken Bow Okla. Commercial Bank 25.78 24.34 152,209 2.52 46.38
39 Premier Bank Rock Valley Iowa Commercial Bank 25.41 21.72 522,994 2.61 32.25
40 Bank of Soperton Soperton Ga. Commercial Bank 25.40 14.96 71,545 2.34 60.60
41 Security State Bank Sutherland Iowa Commercial Bank 25.14 28.26 124,135 2.53 34.68
42 Commercial Bank Crawford Ga. Commercial Bank 25.09 24.68 164,849 2.64 46.06
43 High Plains Bank Keyes Okla. Commercial Bank 24.91 24.24 89,634 2.72 36.84
44 Citizens State Bank Miles Tex. Commercial Bank 24.73 24.64 125,297 2.49 47.32
45 Tri Valley Bank Talmage Neb. Commercial Bank 24.71 22.40 47,451 2.05 39.51
46 Tejas Bank Monahans Tex. Commercial Bank 24.55 17.22 151,883 2.61 46.15
47 Foresight Bank Plainview Minn. Commercial Bank 24.29 14.27 234,809 2.28 47.69
48 First Bank Burkburnett Tex. Commercial Bank 24.24 22.56 370,531 2.80 64.48
49 Central Bank and Trust Co. Hutchinson Kan. Commercial Bank 24.18 19.47 308,149 2.31 51.04
50 Security State Bank Cheyenne Okla. Commercial Bank 24.17 17.68 174,421 3.39 38.93
51 First National Bank of Central Texas Waco Tex. Commercial Bank 24.14 22.32 856,156 2.21 46.73
52 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 24.11 22.13 83,237 1.77 58.84
53 Midwest Bank Detroit Lakes Minn. Commercial Bank 24.08 21.41 419,387 2.32 46.63
54 First State Bank Boise City Okla. Commercial Bank 24.05 19.44 74,985 2.07 52.54
55 Peoples State Bank Summit S.D. Commercial Bank 24.02 23.60 71,704 2.66 39.33
56 National Bank of Andrews Andrews Tex. Commercial Bank 23.97 25.35 192,540 2.61 59.11
57 Lamar Bank and Trust Company Lamar Mo. Commercial Bank 23.87 24.41 146,641 2.46 47.31
58 State Bank of New Richland New Richland Minn. Commercial Bank 23.86 25.66 102,613 2.24 44.63
59 Heritage State Bank Lawrenceville Ill. Commercial Bank 23.79 30.11 97,548 2.38 44.44
60 Ultima Bank Minnesota Winger Minn. Commercial Bank 23.73 22.21 169,737 2.47 52.16
61 First Security Bank Beaver Okla. Commercial Bank 23.70 15.72 111,063 2.02 52.92
62 Randall State Bank Randall Minn. Commercial Bank 23.69 17.53 42,471 2.81 51.57
63 Oklahoma State Bank Buffalo Okla. Commercial Bank 23.59 24.10 53,117 2.38 55.81
64 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 23.58 19.47 223,375 2.21 47.74
65 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 23.53 18.51 415,838 1.63 54.73
66 First National Bank of Las Animas Las Animas Colo. Commercial Bank 23.49 19.47 344,227 2.88 44.33
67 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 23.43 20.00 139,502 2.31 51.25
68 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 23.36 20.84 505,740 1.87 57.49
69 Peoples Bank & Trust Pana Ill. Commercial Bank 23.35 22.29 401,382 2.26 48.26
70 New Century Bank Belleville Kan. Commercial Bank 23.30 21.62 45,544 2.57 63.65
71 Adrian Bank Adrian Mo. Commercial Bank 23.24 20.67 144,300 2.34 38.92
72 Bank of Hemet Riverside Calif. Commercial Bank 23.16 21.45 683,655 2.26 42.64
FinWise Bank Sandy Utah Commercial Bank 23.16 26.43 80,257 3.94 64.60
74 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 23.14 21.48 547,654 2.23 55.46
75 Grant County State Bank Swayzee Ind. Commercial Bank 23.02 21.67 176,070 2.47 30.62
76 Sutton Bank Attica Ohio Commercial Bank 23.01 18.56 505,918 2.32 54.30
77 Venture Bank Bloomington Minn. Commercial Bank 23.00 23.71 727,809 2.17 53.71
78 Mississippi River Bank Belle Chasse La. Commercial Bank 22.94 20.55 117,361 2.69 50.86
79 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 22.91 23.79 287,391 2.94 43.13
80 Douglas National Bank Douglas Ga. Commercial Bank 22.87 19.82 182,249 2.72 52.91
81 Nebraska State Bank Oshkosh Neb. Commercial Bank 22.82 28.30 47,382 3.48 41.81
82 Brunswick State Bank Brunswick Neb. Commercial Bank 22.76 19.05 118,548 2.14 43.13
83 Community Bank Longview Tex. Commercial Bank 22.70 22.67 222,981 2.28 43.38
84 Security State Bank Farwell Tex. Commercial Bank 22.66 25.07 140,175 2.80 33.21
85 Security National Bank of Enid Enid Okla. Commercial Bank 22.64 19.24 345,619 1.96 46.67
86 Thomasville National Bank Thomasville Ga. Commercial Bank 22.63 17.99 833,913 2.09 46.04
87 Citizens State Bank Marysville Kan. Commercial Bank 22.62 21.86 336,566 2.19 35.82
88 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 22.58 20.73 178,218 2.06 60.80
89 Bank Northwest Hamilton Mo. Commercial Bank 22.54 22.25 137,838 1.82 53.05
90 First National Bank of Cokato Cokato Minn. Commercial Bank 22.52 19.07 65,861 1.65 59.30
FNB South Alma Ga. Commercial Bank 22.52 20.71 373,021 3.31 41.56
92 PS Bank Wyalusing Pa. Commercial Bank 22.51 10.37 356,673 1.95 54.50
93 State Bank of Texas Dallas Tex. Commercial Bank 22.45 116.69 798,948 4.19 27.17
94 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 22.39 21.10 82,471 2.11 56.60
First State Bank Louise Tex. Commercial Bank 22.39 20.22 406,094 1.93 59.16
96 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 22.35 21.57 294,550 2.01 55.85
97 Central National Bank Waco Tex. Commercial Bank 22.30 22.06 829,735 1.97 47.77
98 Ericson State Bank Ericson Neb. Commercial Bank 22.27 17.57 87,548 2.23 32.50
99 Commercial State Bank Andrews Tex. Commercial Bank 22.25 16.82 595,906 2.59 53.27
100 Prime Bank Edmond Okla. Commercial Bank 22.23 24.42 261,299 2.77 41.38
101 FirstOak Bank Independence Kan. Commercial Bank 22.22 20.93 120,176 2.08 61.68
102 Community First Bank Butler Mo. Commercial Bank 22.15 18.46 168,995 1.91 56.02
103 First National Bank Heavener Okla. Commercial Bank 22.12 10.42 82,493 1.97 68.62
104 Willamette Valley Bank Salem Ore. Commercial Bank 22.06 16.76 217,203 2.59 80.66
105 NewFirst National Bank El Campo Tex. Commercial Bank 22.03 16.61 698,567 2.43 54.36
106 First National Bank of Tom Bean Tom Bean Tex. Commercial Bank 21.97 5.47 113,154 1.69 72.10
107 Main Bank Albuquerque N.M. Commercial Bank 21.74 20.54 133,701 2.11 46.27
108 First Whitney Bank and Trust Atlantic Iowa Commercial Bank 21.71 19.75 215,115 2.27 30.73
109 Central National Bank of Poteau Poteau Okla. Commercial Bank 21.67 18.83 237,093 2.23 54.82
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 21.67 18.12 488,942 2.62 33.99
111 Bank of Geneva Geneva Ind. Commercial Bank 21.60 21.51 277,769 2.32 47.85
112 Millennium Bank Des Plaines Ill. Commercial Bank 21.53 43.20 97,368 2.57 58.92
113 Peoples State Bank Manhattan Kan. Commercial Bank 21.52 8.75 216,769 2.13 50.36
114 Horizon Bank, SSB Austin Tex. Savings Bank 21.46 21.12 914,432 1.78 57.51
115 Bank of the West Thomas Okla. Commercial Bank 21.45 19.68 161,305 2.44 50.67
116 Apple River State Bank Apple River Ill. Commercial Bank 21.33 13.55 314,895 2.08 61.10
117 Coffee County Bank Manchester Tenn. Commercial Bank 21.31 21.08 182,583 2.47 48.73
118 Central State Bank Clayton Ill. Commercial Bank 21.29 17.78 133,924 3.16 42.43
119 Town and Country Bank Midwest Quincy Ill. Commercial Bank 21.26 21.65 173,867 2.37 48.03
120 Prime Alliance Bank Woods Cross Utah Commercial Bank 21.18 18.51 304,917 2.46 32.55
121 First National Bank Arcadia La. Commercial Bank 21.16 19.60 257,179 1.77 67.82
Points West Community Bank Windsor Colo. Commercial Bank 21.16 19.77 249,200 2.13 46.72
123 Freedom Bank Huntingburg Ind. Commercial Bank 21.11 21.87 406,762 2.20 42.98
124 FirstBank of Nebraska Wahoo Neb. Commercial Bank 21.10 10.46 246,417 2.03 41.43
125 Bank of Baker Baker Mont. Commercial Bank 21.07 19.21 141,429 2.23 42.98
First Bank of Owasso Owasso Okla. Commercial Bank 21.07 19.73 361,879 2.34 46.88
127 Great Plains National Bank Hollis Okla. Commercial Bank 21.05 15.28 624,162 2.33 67.55
128 Alamosa State Bank Alamosa Colo. Commercial Bank 21.02 19.96 245,621 1.93 45.87
129 Central Bank Savannah Tenn. Commercial Bank 20.93 5.34 94,794 2.06 68.74
130 Bank of Columbia Columbia Ky. Commercial Bank 20.92 20.09 136,487 2.09 56.38
131 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 20.90 17.62 109,116 2.21 47.48
132 Farmers and Merchants Bank Maysville Okla. Commercial Bank 20.88 19.88 20,658 1.63 65.53
Grand Marais State Bank Grand Marais Minn. Commercial Bank 20.88 18.56 89,566 1.55 57.14
134 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 20.85 19.24 255,671 2.06 53.35
135 Signature Bank Rosemont Ill. Commercial Bank 20.80 14.37 719,242 1.85 44.26
136 First National Bank & Trust of Elk City Elk City Okla. Commercial Bank 20.78 16.98 316,368 2.15 49.42
137 Citizens National Bank of Texas Waxahachie Tex. Commercial Bank 20.75 13.73 974,110 2.01 62.05
138 West Town Bank & Trust North Riverside Ill. Commercial Bank 20.71 15.02 329,548 2.29 56.04
139 Amerasia Bank Flushing N.Y. Commercial Bank 20.68 14.99 577,815 2.27 37.76
140 South Georgia Bank Glennville Ga. Commercial Bank 20.67 18.15 161,525 2.28 54.80
141 Gruver State Bank Gruver Tex. Commercial Bank 20.66 7.83 67,612 2.06 51.52
142 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.65 20.88 824,381 1.94 55.43
143 NSB Bank Mason City Iowa Commercial Bank 20.64 20.45 211,893 2.12 44.08
144 Plumas Bank Quincy Calif. Commercial Bank 20.59 13.89 736,088 1.84 53.65
145 North American Banking Company Roseville Minn. Commercial Bank 20.55 17.66 487,987 1.83 54.14
146 First Eagle Bank Chicago Ill. Commercial Bank 20.50 18.51 485,687 3.24 34.69
147 State Savings Bank Creston Iowa Commercial Bank 20.48 18.07 114,886 2.02 48.78
148 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 20.47 18.62 203,141 2.68 50.99
First Southern Bank Patterson Ga. Commercial Bank 20.47 12.48 113,652 0.88 82.35
150 Commercial Savings Bank Carroll Iowa Commercial Bank 20.44 16.11 177,901 1.64 48.65
151 First Bank Dalton Ga. Commercial Bank 20.38 14.96 352,939 1.61 54.31
152 Mid-America Bank Baldwin City Kan. Commercial Bank 20.34 9.99 174,174 2.16 54.83
153 Peoples Bank Cuba Mo. Commercial Bank 20.26 17.43 219,753 1.92 56.62
154 Auburn Banking Company Auburn Ky. Commercial Bank 20.23 21.09 81,158 1.67 62.46
155 Phelps County Bank Rolla Mo. Commercial Bank 20.18 19.29 368,832 1.39 67.04
156 Bank of Mauston Mauston Wis. Commercial Bank 20.17 18.98 291,779 2.39 42.93
157 Jefferson Bank Greenville Miss. Commercial Bank 20.08 22.62 118,600 3.44 36.95
158 First State Bank Scottsbluff Neb. Commercial Bank 20.04 21.55 227,170 2.14 54.85
State Guaranty Bank Okeene Okla. Commercial Bank 20.04 13.44 54,115 2.12 40.30
160 First National Bank of Picayune Picayune Miss. Commercial Bank 20.02 16.98 222,362 2.62 49.08
161 Bank of Morton Morton Miss. Commercial Bank 20.00 21.84 68,366 2.86 52.20
First National Bank of Evant Evant Tex. Commercial Bank 20.00 17.79 97,867 1.59 66.18
Trust Bank Lenox Ga. Commercial Bank 20.00 22.18 34,552 2.10 72.53
164 Frontier Bank Lamar Colo. Commercial Bank 19.97 17.53 303,491 2.04 44.12
165 First State Bank Watonga Okla. Commercial Bank 19.96 19.74 75,430 1.77 57.34
166 Four Corners Community Bank Farmington N.M. Commercial Bank 19.94 17.31 362,147 2.22 51.13
167 Adrian State Bank Adrian Minn. Commercial Bank 19.90 16.65 47,524 1.84 54.24
Continental Bank Salt Lake City Utah Commercial Bank 19.90 14.50 165,144 3.35 48.23
169 Citizens Bank Amarillo Tex. Commercial Bank 19.87 20.30 159,394 1.99 50.87
170 Wadena State Bank Wadena Minn. Commercial Bank 19.86 7.74 168,090 2.04 46.85
171 Security National Bank of Omaha Omaha Neb. Commercial Bank 19.83 13.34 875,619 2.12 65.28
172 Bank of Newington Newington Ga. Commercial Bank 19.80 16.29 120,619 1.73 50.96
173 North Valley Bank Thornton Colo. Commercial Bank 19.79 20.12 163,784 2.36 54.61
174 Star Bank Maple Lake Minn. Commercial Bank 19.73 15.30 266,092 1.89 62.28
175 Charlevoix State Bank Charlevoix Mich. Commercial Bank 19.70 16.35 183,739 1.71 60.93
First Fidelity Bank Burke S.D. Commercial Bank 19.70 17.60 365,752 1.78 55.15
177 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 19.69 16.67 190,514 2.09 63.44
178 Republic Bank, Inc. Duluth Minn. Commercial Bank 19.67 13.05 392,870 2.14 63.51
179 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 19.66 18.61 205,039 1.55 65.95
Murphy Bank Fresno Calif. Commercial Bank 19.66 21.27 257,353 2.27 49.01
181 First National Bank of Bastrop Bastrop Tex. Commercial Bank 19.65 18.18 567,435 1.92 54.50
St. Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 19.65 18.03 90,824 2.34 34.59
183 Almena State Bank Almena Kan. Commercial Bank 19.64 48.99 110,824 1.51 69.68
American State Bank Osceola Iowa Commercial Bank 19.64 16.96 211,771 1.79 57.43
Bank Forward Hannaford N.D. Commercial Bank 19.64 13.07 567,646 2.07 67.88
First Financial Bank El Dorado Ark. Commercial Bank 19.64 22.98 942,314 2.64 59.51
Peoples Bank Rose Hill Va. Commercial Bank 19.64 13.74 162,091 1.82 46.27
188 First National Bank & Trust Company of McAlester McAlester Okla. Commercial Bank 19.61 14.85 482,409 2.18 49.98
Peoples Bank Westville Okla. Commercial Bank 19.61 19.40 47,183 2.45 59.69
190 Paradise Bank Boca Raton Fla. Commercial Bank 19.60 16.72 323,558 2.07 62.63
191 Grandview Bank Grandview Tex. Commercial Bank 19.57 13.95 200,651 1.65 50.10
192 Marion County State Bank Pella Iowa Commercial Bank 19.56 18.76 300,657 2.11 44.72
193 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 19.55 22.88 53,731 2.53 44.85
194 F & C Bank Holden Mo. Commercial Bank 19.52 17.08 219,954 1.89 58.65
Intracoastal Bank Palm Coast Fla. Commercial Bank 19.52 18.98 332,768 1.71 52.84
196 Wells Bank Platte City Mo. Commercial Bank 19.51 18.20 221,591 1.80 52.93
197 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 19.46 20.24 218,723 1.95 52.11
198 Morris Bank Dublin Ga. Commercial Bank 19.45 21.41 712,346 2.01 56.46
199 HomeBank Texas Seagoville Tex. Commercial Bank 19.35 12.83 181,937 1.90 57.18
200 ACB Bank Cherokee Okla. Commercial Bank 19.33 25.44 123,181 1.59 49.22

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 May. 25, 2018. Figures for prior periods are not adjusted for mergers and acquisitions.
© 2017 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)

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