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Community banking

Community Banks with the Highest Returns on Average Equity

June 03, 2019, 11:10 a.m. EDT 1 Min Read

Year to date through Mar. 31, 2019. Dollars in thousands.

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Community Banks with the Highest Returns on Average Equity

Return on average equity

  
Rank Name City State Type of charter 1Q 2019 1Q 2018 Total assets Return on
average assets		 Efficiency
ratio
1 Bank of Louisiana New Orleans La. Commercial Bank 113.23 -11.90 $79,479 10.74 117.69
2 City National Bank of New Jersey Newark N.J. Commercial Bank 95.13 6.09 155,922 2.73 142.01
3 Bank of Bozeman Bozeman Mont. Commercial Bank 75.35 6.74 78,574 8.20 83.24
4 Valley Bank of Kalispell Kalispell Mont. Commercial Bank 51.26 9.34 120,558 5.76 36.99
5 Citizens National Bank at Brownwood Brownwood Tex. Commercial Bank 48.90 13.97 211,763 6.17 27.62
6 Badger Bank Fort Atkinson Wis. Commercial Bank 48.59 6.76 136,342 6.27 34.02
7 Community Bank of Raymore Raymore Mo. Commercial Bank 47.86 43.88 264,096 3.61 43.71
8 Independence Bank East Greenwich R.I. Commercial Bank 42.78 42.55 65,846 11.44 24.36
9 Butte State Bank Butte Neb. Commercial Bank 42.15 4.53 41,199 5.21 36.70
10 FinWise Bank Murray Utah Commercial Bank 41.33 23.16 130,632 6.40 45.72
11 First State Bank of Le Center Le Center Minn. Commercial Bank 39.98 18.14 84,197 4.34 38.34
12 NBKC Bank Kansas City Mo. Commercial Bank 35.58 11.56 719,314 4.48 71.17
13 Brannen Bank Inverness Fla. Commercial Bank 33.98 26.69 526,844 2.10 53.63
14 Charter Bank Corpus Christi Tex. Commercial Bank 33.77 28.02 277,439 3.52 46.88
15 PrinsBank Prinsburg Minn. Commercial Bank 33.16 33.50 137,246 5.37 35.87
16 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 32.69 33.95 403,056 3.33 43.90
17 Apex Bank Camden Tenn. Commercial Bank 31.80 46.37 578,245 4.12 40.93
18 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 31.75 30.58 290,759 2.70 46.71
19 Bank of Cordell Cordell Okla. Commercial Bank 30.68 18.12 39,815 3.08 47.22
20 Mainstreet Community Bank of Florida Deland Fla. Commercial Bank 29.91 15.36 426,964 2.43 62.40
21 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 29.85 22.58 181,309 2.89 51.84
22 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 29.76 28.78 378,929 2.22 50.45
23 Sound Banking Company Lakewood Wash. Commercial Bank 29.09 28.05 55,861 2.85 48.51
24 Sutton Bank Attica Ohio Commercial Bank 28.88 23.01 553,199 2.99 50.76
25 Riverside Bank Sparkman Ark. Commercial Bank 28.26 28.67 62,341 2.36 56.42
26 Northstar Bank Bad Axe Mich. Commercial Bank 28.16 10.40 649,760 2.82 60.61
27 Jefferson Bank Greenville Miss. Commercial Bank 28.12 20.08 126,542 4.97 28.44
28 National Bank of Andrews Andrews Tex. Commercial Bank 28.01 23.97 219,381 2.89 57.31
29 Farmers and Merchants Bank Maysville Okla. Commercial Bank 27.85 20.88 19,600 2.24 60.00
30 Security State Bank Farwell Tex. Commercial Bank 27.82 22.66 153,470 3.47 27.26
31 Haverford Trust Company Radnor Pa. Commercial Bank 27.78 48.47 131,631 5.20 84.50
32 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 27.58 24.11 83,451 2.27 52.35
33 Security First National Bank of Hugo Hugo Okla. Commercial Bank 27.35 27.08 110,015 2.40 50.04
34 Citizens State Bank Miles Tex. Commercial Bank 27.28 24.73 148,393 2.59 40.77
35 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 27.19 28.53 256,412 2.29 57.71
36 Oklahoma State Bank Buffalo Okla. Commercial Bank 27.15 23.59 54,773 2.70 52.18
37 Tejas Bank Monahans Tex. Commercial Bank 27.14 24.55 177,410 2.99 39.40
38 State Bank of Texas Dallas Tex. Commercial Bank 27.06 22.45 886,174 4.19 26.30
39 Quantum National Bank Suwanee Ga. Commercial Bank 26.93 19.12 498,452 3.07 44.80
40 First Security Bank Beaver Okla. Commercial Bank 26.79 23.70 117,052 2.59 42.80
41 State Bank of Bellingham Bellingham Minn. Commercial Bank 26.59 16.16 51,788 2.81 33.96
42 1st Bank & Trust Broken Bow Okla. Commercial Bank 26.46 25.78 159,105 2.83 43.79
43 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 26.14 30.12 94,750 2.96 30.29
44 CNB Bank Carlsbad N.M. Commercial Bank 26.08 21.46 411,416 1.98 50.50
45 Bank Northwest Hamilton Mo. Commercial Bank 25.77 22.54 170,378 2.29 46.93
46 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 25.63 23.58 226,893 2.37 45.19
47 Peoples Bank Mendenhall Miss. Commercial Bank 25.50 9.01 311,250 2.40 59.49
48 Tolleson Private Bank Dallas Tex. Commercial Bank 25.43 27.63 571,895 2.34 47.08
49 Northside Community Bank Gurnee Ill. Commercial Bank 25.38 4.02 236,828 5.97 65.38
50 Bank of Hemet Riverside Calif. Commercial Bank 25.20 23.16 699,000 2.70 40.51
51 Merchants and Planters Bank Raymond Miss. Commercial Bank 25.19 5.21 91,706 2.45 56.71
52 First State Bank Boise City Okla. Commercial Bank 25.15 24.05 79,112 2.10 49.45
53 Adrian Bank Adrian Mo. Commercial Bank 24.86 23.24 143,296 2.67 39.91
54 Security State Bank Cheyenne Okla. Commercial Bank 24.72 24.17 172,923 3.46 37.40
55 Community Bank Bristow Okla. Commercial Bank 24.69 26.45 87,790 2.08 53.05
56 Prime Alliance Bank Woods Cross Utah Commercial Bank 24.60 21.18 432,723 2.53 25.89
57 Wells Bank Platte City Mo. Commercial Bank 24.58 19.51 221,713 2.38 47.85
58 First Bank and Trust New Orleans La. Commercial Bank 24.57 15.11 930,619 2.48 58.32
59 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 24.49 18.99 39,219 2.59 46.28
60 Bank of Hydro Hydro Okla. Commercial Bank 24.44 26.85 127,445 2.72 46.17
61 First National Bank of Central Texas Waco Tex. Commercial Bank 24.38 24.14 860,504 2.39 44.37
62 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 24.28 23.36 520,177 2.06 54.08
63 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 24.24 26.31 368,572 2.28 58.74
64 Points West Community Bank Windsor Colo. Commercial Bank 24.22 21.16 255,375 2.50 47.75
65 Englewood Bank & Trust Englewood Fla. Commercial Bank 24.20 24.38 307,386 2.20 54.35
66 Alliance Bank Saint Paul Minn. Commercial Bank 24.13 12.04 602,846 2.71 67.78
67 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 23.91 22.35 314,843 2.19 52.80
68 Commercial Bank Crawford Ga. Commercial Bank 23.84 25.09 184,161 2.53 45.99
69 Texas Bank Financial Weatherford Tex. Commercial Bank 23.80 18.63 374,938 2.24 61.55
70 Midwest Bank Detroit Lakes Minn. Commercial Bank 23.77 24.08 469,885 2.31 47.08
71 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 23.70 19.11 336,240 1.56 66.01
72 Willamette Valley Bank Salem Ore. Commercial Bank 23.65 22.06 263,939 2.85 75.48
73 State Bank of New Richland New Richland Minn. Commercial Bank 23.59 23.86 109,527 2.17 43.06
Ultima Bank Minnesota Winger Minn. Commercial Bank 23.59 23.73 175,462 2.43 53.14
75 NewFirst National Bank El Campo Tex. Commercial Bank 23.55 22.03 698,121 2.74 52.04
76 First State Bank Louise Tex. Commercial Bank 23.52 22.39 482,877 2.11 57.66
77 First National Bank of Anson Anson Tex. Commercial Bank 23.47 21.16 65,637 1.98 61.12
78 BOM Bank Natchitoches La. Commercial Bank 23.44 18.77 428,699 2.26 60.61
79 Farmers & Merchants Bank Tomah Wis. Commercial Bank 23.37 6.24 195,117 2.87 76.60
80 North Valley Bank Thornton Colo. Commercial Bank 23.36 19.79 175,508 2.76 50.49
81 Bank7 Oklahoma City Okla. Commercial Bank 23.32 34.04 786,422 2.79 34.11
Community Bank Longview Tex. Commercial Bank 23.32 22.70 219,745 2.52 41.24
83 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 23.31 20.85 269,956 2.27 52.95
84 Bank of Star Valley Afton Wyo. Commercial Bank 23.24 18.32 217,366 2.27 44.39
Welcome State Bank Welcome Minn. Commercial Bank 23.24 27.09 30,607 2.56 49.74
86 Franklin State Bank & Trust Company Winnsboro La. Commercial Bank 23.08 15.42 168,649 2.17 59.45
87 Auburn Banking Company Auburn Ky. Commercial Bank 23.04 20.23 79,700 2.09 57.76
88 Nebraska State Bank Oshkosh Neb. Commercial Bank 22.82 22.82 49,234 3.77 42.04
89 Citizens State Bank Marysville Kan. Commercial Bank 22.76 22.62 344,196 2.25 35.12
90 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 22.75 25.93 186,618 2.23 45.80
91 Bank of Texas Midland Tex. Commercial Bank 22.74 19.12 365,285 2.75 30.47
Morris Bank Dublin Ga. Commercial Bank 22.74 19.45 762,304 2.44 59.52
93 Security State Bank Sutherland Iowa Commercial Bank 22.73 25.14 144,732 2.29 35.63
94 Alamosa State Bank Alamosa Colo. Commercial Bank 22.70 21.02 257,492 2.24 43.03
95 Jonesburg State Bank Jonesburg Mo. Commercial Bank 22.57 19.29 97,244 1.78 58.27
96 Old Fort Banking Company Old Fort Ohio Commercial Bank 22.49 19.25 539,967 1.75 55.15
97 Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 22.45 18.34 200,726 2.01 55.47
98 Idabel National Bank Idabel Okla. Commercial Bank 22.44 17.20 127,466 2.05 50.38
99 North American Banking Company Roseville Minn. Commercial Bank 22.43 20.55 537,889 2.05 52.24
100 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 22.38 23.14 574,344 2.24 55.80
101 Main Bank Albuquerque N.M. Commercial Bank 22.31 21.74 141,488 2.13 46.08
102 Bank of Western Oklahoma Elk City Okla. Commercial Bank 22.23 18.09 301,131 1.86 58.68
103 Mississippi River Bank Belle Chasse La. Commercial Bank 22.15 22.94 110,617 2.89 50.51
Security State Bank of Oklahoma Wewoka Okla. Commercial Bank 22.15 18.28 253,170 2.30 44.10
105 Pine Island Bank Pine Island Minn. Commercial Bank 22.04 14.90 100,778 2.48 40.33
106 Ericson State Bank Ericson Neb. Commercial Bank 21.96 22.27 106,114 2.02 35.16
107 First National Bank of Cokato Cokato Minn. Commercial Bank 21.86 22.52 62,208 1.84 57.89
Western States Bank Laramie Wyo. Commercial Bank 21.86 8.45 462,520 2.56 49.67
109 High Plains Bank Keyes Okla. Commercial Bank 21.83 24.91 96,822 2.42 43.55
110 Grundy Bank Morris Ill. Commercial Bank 21.82 18.21 271,970 2.41 50.88
111 Thomasville National Bank Thomasville Ga. Commercial Bank 21.80 22.63 956,186 1.98 47.03
112 Farmers State Bank of Underwood Underwood Minn. Commercial Bank 21.74 16.43 70,264 2.01 58.52
First National Bank of Evant Evant Tex. Commercial Bank 21.74 20.00 103,032 1.90 62.30
114 Town and Country Bank Midwest Quincy Ill. Commercial Bank 21.73 21.26 191,738 2.37 46.51
115 Douglas National Bank Douglas Ga. Commercial Bank 21.67 22.87 186,616 2.65 54.55
116 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 21.65 23.53 455,596 1.55 57.29
117 Phelps County Bank Rolla Mo. Commercial Bank 21.63 20.18 358,633 1.57 66.24
118 Seiling State Bank Seiling Okla. Commercial Bank 21.62 13.58 117,091 1.81 58.46
119 Crowell State Bank Crowell Tex. Commercial Bank 21.58 19.21 40,501 2.12 55.10
120 First State Bank Elmore City Okla. Commercial Bank 21.55 7.91 12,885 3.74 89.84
121 Southwest Bank Odessa Tex. Commercial Bank 21.54 16.65 435,615 1.84 65.28
122 Spring Bank Bronx N.Y. Commercial Bank 21.46 16.65 187,010 2.74 62.18
123 First Security Bank of Nevada Las Vegas Nev. Commercial Bank 21.45 7.41 226,130 4.45 29.39
124 First Bank of Owasso Owasso Okla. Commercial Bank 21.41 21.07 432,109 2.18 44.05
125 PromiseOne Bank Duluth Ga. Commercial Bank 21.35 16.35 391,090 2.82 51.86
126 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 21.34 23.43 142,579 2.21 53.38
127 McIntosh County Bank Ashley N.D. Commercial Bank 21.29 18.08 87,185 2.47 45.81
128 First Community Bank Milton Wis. Commercial Bank 21.23 18.03 102,740 2.08 56.21
129 Legacy Bank & Trust Company Rogersville Mo. Commercial Bank 21.20 11.13 261,456 2.34 45.87
130 First Bank of Berne Berne Ind. Commercial Bank 21.19 19.19 695,479 2.08 49.95
131 Utah Independent Bank Salina Utah Commercial Bank 21.17 33.24 82,874 3.17 48.95
132 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 21.14 22.39 88,649 2.15 57.19
133 Central National Bank Waco Tex. Commercial Bank 21.11 22.30 911,118 1.91 47.34
Peoples Bank Westville Okla. Commercial Bank 21.11 19.61 48,993 2.55 58.17
135 Gwinnett Community Bank Duluth Ga. Commercial Bank 21.10 8.73 225,214 0.79 75.07
136 KodaBank Drayton N.D. Commercial Bank 21.05 18.70 144,525 2.61 41.19
137 Security State Bank Tyndall S.D. Commercial Bank 21.03 17.15 235,452 1.89 46.87
138 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 20.93 22.91 299,773 2.67 42.92
139 First National Bank of Albany Albany Tex. Commercial Bank 20.90 15.59 589,774 2.38 38.69
140 Ipava State Bank Ipava Ill. Commercial Bank 20.89 15.40 145,932 1.74 60.22
Lowry State Bank Lowry Minn. Commercial Bank 20.89 16.42 51,708 2.33 52.98
142 Citizens Bank Amarillo Tex. Commercial Bank 20.88 19.87 160,331 2.23 48.78
Signature Bank Rosemont Ill. Commercial Bank 20.88 20.80 793,073 2.08 44.00
144 Liberty Capital Bank Addison Tex. Commercial Bank 20.82 17.58 271,016 1.86 45.97
145 First National Bank of Las Animas Las Animas Colo. Commercial Bank 20.81 23.49 373,262 2.50 45.98
146 State Guaranty Bank Okeene Okla. Commercial Bank 20.67 20.04 54,034 2.29 39.47
147 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 20.62 -61.93 158,144 1.65 95.40
148 Tri Valley Bank Talmage Neb. Commercial Bank 20.59 24.71 45,419 1.89 42.52
149 Bank of Mauston Mauston Wis. Commercial Bank 20.56 20.17 292,601 2.60 40.48
Grant County State Bank Swayzee Ind. Commercial Bank 20.56 23.02 183,667 2.41 31.96
151 Citizens Bank Butler Mo. Commercial Bank 20.55 14.52 115,495 1.82 64.00
152 Wallis Bank Wallis Tex. Commercial Bank 20.53 27.09 718,071 2.47 55.68
153 Central Bank of Kansas City Kansas City Mo. Commercial Bank 20.51 17.56 164,541 3.56 63.27
154 Bank Forward Hannaford N.D. Commercial Bank 20.44 19.64 645,725 2.12 65.03
Friend Bank Slocomb Ala. Commercial Bank 20.44 15.24 130,400 1.96 54.01
156 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 20.41 19.66 212,443 1.65 62.82
157 Fresno First Bank Fresno Calif. Commercial Bank 20.39 16.87 471,476 1.85 49.46
158 Bank of Kremlin Kremlin Okla. Commercial Bank 20.36 18.74 309,895 2.08 49.79
159 Ennis State Bank Ennis Tex. Commercial Bank 20.34 17.14 228,960 1.97 60.06
160 F & C Bank Holden Mo. Commercial Bank 20.27 19.52 222,438 2.11 57.37
161 Liberty Trust & Savings Bank Durant Iowa Commercial Bank 20.22 6.55 147,363 4.17 28.85
162 Amerasia Bank Flushing N.Y. Commercial Bank 20.18 20.68 634,397 2.38 35.13
FirstOak Bank Independence Kan. Commercial Bank 20.18 22.22 183,678 2.13 54.77
164 First Colony Bank of Florida Maitland Fla. Commercial Bank 20.13 17.53 220,453 2.01 49.64
Freedom Bank Huntingburg Ind. Commercial Bank 20.13 21.11 422,958 2.13 43.55
166 Citizens Alliance Bank Clara City Minn. Commercial Bank 20.12 19.22 792,677 1.71 55.36
167 ACB Bank Cherokee Okla. Commercial Bank 20.08 19.33 132,386 1.72 40.01
168 Brighton Bank Salt Lake City Utah Commercial Bank 20.06 18.68 209,117 2.49 52.09
169 Intracoastal Bank Palm Coast Fla. Commercial Bank 20.05 19.52 337,676 1.85 51.40
170 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 20.02 20.47 212,981 2.71 49.90
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 20.02 21.67 499,794 2.55 36.26
Plumas Bank Quincy Calif. Commercial Bank 20.02 20.59 830,683 1.90 48.00
173 Coffee County Bank Manchester Tenn. Commercial Bank 19.95 21.31 195,706 2.32 48.23
174 Quail Creek Bank, National Association Oklahoma City Okla. Commercial Bank 19.92 19.08 684,740 1.94 48.94
175 First Farmers State Bank Minier Ill. Commercial Bank 19.90 12.12 172,134 2.36 50.85
176 Progressive National Bank Mansfield La. Commercial Bank 19.87 4.25 69,026 1.56 70.59
177 Community First Bank Butler Mo. Commercial Bank 19.82 22.15 172,777 1.78 50.35
First Whitney Bank and Trust Atlantic Iowa Commercial Bank 19.82 21.71 226,715 2.14 34.37
179 Commercial Savings Bank Carroll Iowa Commercial Bank 19.77 20.44 192,793 1.56 54.22
180 South Georgia Bank Glennville Ga. Commercial Bank 19.74 20.67 162,932 2.36 54.06
181 United Midwest Savings Bank, National Association De Graff Ohio Commercial Bank 19.73 15.44 296,334 2.01 67.01
182 NBC Oklahoma Oklahoma City Okla. Commercial Bank 19.68 11.35 695,911 1.52 63.02
Twin River Bank Lewiston Idaho Commercial Bank 19.68 15.07 102,879 1.65 59.48
184 TexasBank Brownwood Tex. Commercial Bank 19.66 19.07 502,646 2.63 51.07
185 Bank of Idaho Idaho Falls Idaho Commercial Bank 19.64 9.48 333,313 2.03 85.65
186 Adrian State Bank Adrian Minn. Commercial Bank 19.63 19.90 48,950 1.85 54.36
187 State Savings Bank Creston Iowa Commercial Bank 19.58 20.48 122,487 1.96 49.32
188 Crossroads Bank Yoakum Tex. Commercial Bank 19.56 16.58 202,949 2.15 50.44
189 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 19.54 17.03 822,638 1.69 57.48
190 HomeBank Texas Seagoville Tex. Commercial Bank 19.52 19.35 192,855 2.09 54.26
191 Exchange Bank Gibbon Neb. Commercial Bank 19.49 15.94 934,775 2.00 42.55
192 Bank of Commerce Greenwood Miss. Commercial Bank 19.47 15.91 475,040 1.90 37.98
193 First State Bank Scottsbluff Neb. Commercial Bank 19.42 20.04 217,077 2.25 53.97
194 Bank of the West Thomas Okla. Commercial Bank 19.40 21.45 148,119 2.47 51.69
First National Bank of Picayune Picayune Miss. Commercial Bank 19.40 20.02 212,358 2.80 48.28
196 Home Bank of California San Diego Calif. Commercial Bank 19.37 17.49 171,371 2.81 41.76
197 Brighton Bank Brighton Tenn. Commercial Bank 19.34 -40.87 41,606 1.59 80.90
198 FirstBank of Nebraska Wahoo Neb. Commercial Bank 19.32 21.10 268,351 1.90 42.19
199 First State Bank Spearman Tex. Commercial Bank 19.31 15.86 148,320 1.47 61.68
200 Charlevoix State Bank Charlevoix Mich. Commercial Bank 19.30 19.70 187,283 1.79 60.94

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. 30, 2019. Figures for prior periods are not adjusted for mergers and acquisitions.
© 2019 American Banker
Source:

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

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