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Community banking

Community Banks with the Highest Returns on Average Equity

August 27, 2018, 11:25 a.m. EDT 1 Min Read

Year to date through Jun. 30, 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 2Q 2018 2Q 2017
1 Native American Bank, National Association Denver Colo. Commercial Bank 85.45 7.74 $102,090 9.24 79.64
2 OptimumBank Plantation Fla. Commercial Bank 80.26 -1.51 90,576 9.26 103.55
3 Independence Bank East Greenwich R.I. Commercial Bank 62.98 35.62 63,257 13.46 29.71
4 Pinnacle Bank Orange City Fla. Commercial Bank 55.62 -40.61 88,940 3.60 -50.82
5 Community Bank of Raymore Raymore Mo. Commercial Bank 44.77 94.52 246,940 3.61 49.34
6 FBT Bank & Mortgage Fordyce Ark. Commercial Bank 43.08 7.90 156,784 4.34 44.17
7 First South Bank Spartanburg S.C. Commercial Bank 42.52 -43.05 229,369 4.14 77.26
8 First Federal of South Carolina, FSB (MHC) Walterboro S.C. Savings Bank 42.37 10.74 88,279 3.17 94.52
9 First Resource Bank Lino Lakes Minn. Commercial Bank 40.59 0.23 200,245 2.77 79.46
10 Willamette Valley Bank Salem Ore. Commercial Bank 40.40 28.08 224,219 4.62 71.18
11 Great Plains National Bank Hollis Okla. Commercial Bank 40.33 21.57 699,974 4.08 56.00
12 Surety Bank Deland Fla. Commercial Bank 39.16 15.16 123,317 4.16 46.06
13 West Town Bank & Trust North Riverside Ill. Commercial Bank 38.44 5.92 304,038 4.51 43.88
14 Swedish-American State Bank Courtland Kan. Commercial Bank 37.43 -29.77 43,323 3.50 60.12
15 Bank of Soperton Soperton Ga. Commercial Bank 36.63 20.13 75,424 3.31 51.26
16 Apex Bank Camden Tenn. Commercial Bank 36.39 22.87 542,222 4.06 42.80
17 United Bank Atmore Ala. Commercial Bank 34.18 11.67 651,521 2.83 42.96
18 Haverford Trust Company Radnor Pa. Commercial Bank 33.09 29.17 132,856 5.92 81.74
19 Bank 7 Oklahoma City Okla. Commercial Bank 32.56 41.12 726,807 3.62 35.84
20 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 32.00 27.35 393,480 3.33 45.43
21 Lowry State Bank Lowry Minn. Commercial Bank 31.85 20.70 48,779 3.29 46.19
22 Charter Bank Corpus Christi Tex. Commercial Bank 31.55 24.53 271,853 3.26 47.78
23 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 31.54 30.08 260,376 2.76 49.81
24 Bank of Montana Missoula Mont. Commercial Bank 31.48 11.92 86,965 3.37 47.94
25 National Bank of Andrews Andrews Tex. Commercial Bank 31.24 26.08 193,611 3.49 49.71
26 Riverside Bank Sparkman Ark. Commercial Bank 30.80 29.66 61,989 2.59 50.55
27 New Century Bank Belleville Kan. Commercial Bank 30.54 22.63 45,872 3.38 56.56
28 Brighton Bank Brighton Tenn. Commercial Bank 29.82 24.37 67,750 1.46 90.49
29 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 29.79 25.87 222,038 2.53 43.77
30 Commercial State Bank Palmer Tex. Commercial Bank 28.89 20.01 82,648 2.19 58.01
31 Brannen Bank Inverness Fla. Commercial Bank 28.88 23.24 522,935 1.73 55.56
32 Quantum National Bank Suwanee Ga. Commercial Bank 28.73 16.86 470,246 3.30 41.20
33 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 28.49 19.36 418,866 1.94 49.34
34 State Bank of Texas Dallas Tex. Commercial Bank 28.47 25.34 814,368 5.26 25.68
35 BANK Wapello Iowa Commercial Bank 28.34 1.70 90,185 3.48 49.75
36 Rocky Mountain Bank & Trust Florence Colo. Commercial Bank 28.22 10.46 64,698 2.51 62.63
37 Venture Bank Bloomington Minn. Commercial Bank 28.02 27.06 733,898 2.67 47.05
38 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 27.98 24.13 357,193 2.07 51.38
39 Bank of Baker Baker Mont. Commercial Bank 27.96 19.00 144,169 3.04 35.87
40 Bank of Wrightsville Wrightsville Ga. Commercial Bank 27.86 10.86 56,937 2.06 62.04
41 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 27.55 28.01 304,986 2.42 50.84
42 Brunswick State Bank Brunswick Neb. Commercial Bank 27.37 22.42 125,909 2.51 40.48
43 Central Bank of Kansas City Kansas City Mo. Commercial Bank 27.36 5.21 153,854 5.20 52.12
44 Nebraska State Bank Oshkosh Neb. Commercial Bank 27.17 29.18 48,557 4.11 38.11
45 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 27.06 22.05 489,013 2.11 54.86
46 Texas Bank Financial Weatherford Tex. Commercial Bank 26.95 22.95 304,565 2.80 63.28
47 Bank of Hydro Hydro Okla. Commercial Bank 26.91 25.07 124,732 2.84 41.98
48 Woodford State Bank Monroe Wis. Commercial Bank 26.67 16.85 223,853 2.33 44.41
49 FNB South Alma Ga. Commercial Bank 26.59 27.03 372,522 4.09 42.21
50 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 26.55 24.38 246,513 2.20 59.94
51 1st Bank & Trust Broken Bow Okla. Commercial Bank 26.26 26.30 154,512 2.56 45.80
52 First National Bank of Central Texas Waco Tex. Commercial Bank 25.95 22.16 855,755 2.37 44.53
53 Glenwood State Bank Glenwood Minn. Commercial Bank 25.92 32.14 280,068 2.52 49.89
54 State Bank of New Richland New Richland Minn. Commercial Bank 25.87 27.79 102,518 2.52 44.57
55 Bank Northwest Hamilton Mo. Commercial Bank 25.79 24.19 136,154 2.10 54.43
Tejas Bank Monahans Tex. Commercial Bank 25.79 9.90 154,707 2.71 45.08
57 Oklahoma State Bank Buffalo Okla. Commercial Bank 25.58 22.93 54,399 2.61 52.65
Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 25.58 23.65 186,265 2.57 79.30
59 Midwest Bank Detroit Lakes Minn. Commercial Bank 25.55 23.27 445,883 2.31 43.49
60 First State Bank Louise Tex. Commercial Bank 25.41 21.68 409,125 2.19 56.35
61 Commercial State Bank Andrews Tex. Commercial Bank 25.39 15.77 638,758 2.87 49.61
62 Phelps County Bank Rolla Mo. Commercial Bank 25.38 20.35 364,776 1.64 63.37
63 FinWise Bank Sandy Utah Commercial Bank 25.27 23.71 91,813 4.39 62.66
64 CFG Community Bank Baltimore Md. Commercial Bank 25.06 18.00 809,373 4.36 49.54
Sound Banking Company Lakewood Wash. Commercial Bank 25.06 28.96 64,153 2.28 53.40
66 Citizens State Bank Miles Tex. Commercial Bank 25.02 25.71 128,246 2.57 47.03
67 Exchange State Bank Adair Iowa Commercial Bank 24.96 5.77 34,667 3.92 39.36
68 Welcome State Bank Welcome Minn. Commercial Bank 24.94 31.46 28,361 2.70 52.20
69 Farmers & Merchants Savings Bank Waukon Iowa Commercial Bank 24.89 14.49 160,091 3.38 54.21
70 Peoples State Bank Summit S.D. Commercial Bank 24.86 25.59 75,857 2.75 37.34
71 Wallis State Bank Wallis Tex. Commercial Bank 24.85 21.67 681,223 2.65 53.31
72 Security State Bank Sutherland Iowa Commercial Bank 24.81 29.29 131,511 2.54 32.91
73 Coffee County Bank Manchester Tenn. Commercial Bank 24.80 23.02 189,994 2.82 42.52
74 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 24.76 17.54 209,208 1.83 58.55
75 NOA Bank Duluth Ga. Commercial Bank 24.70 25.84 351,964 3.02 44.58
76 Coleman County State Bank Coleman Tex. Commercial Bank 24.67 1.75 110,660 2.45 57.27
77 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 24.65 17.79 333,644 1.12 70.11
Peoples Bank Mendenhall Miss. Commercial Bank 24.65 21.32 287,020 2.35 65.66
Southwest Bank Odessa Tex. Commercial Bank 24.65 15.66 391,011 2.15 64.30
80 First Colony Bank of Florida Maitland Fla. Commercial Bank 24.64 18.18 207,638 2.46 44.06
81 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 24.54 21.38 178,307 2.36 40.74
82 Points West Community Bank Windsor Colo. Commercial Bank 24.53 19.35 247,378 2.49 45.58
83 Tolleson Private Bank Dallas Tex. Commercial Bank 24.51 24.33 556,168 1.95 43.43
84 Community Bank Bristow Okla. Commercial Bank 24.37 20.19 86,479 1.98 55.41
85 Commercial Bank Crawford Ga. Commercial Bank 24.29 21.88 165,102 2.57 48.26
86 Bank of Hemet Riverside Calif. Commercial Bank 24.20 23.72 719,053 2.50 40.89
87 First Secure Bank and Trust Co. Palos Hills Ill. Commercial Bank 24.15 4.77 126,126 2.26 48.79
88 Cortland Savings and Banking Company Cortland Ohio Commercial Bank 24.00 9.21 659,262 2.08 51.76
89 HomeStar Bank and Financial Services Manteno Ill. Commercial Bank 23.96 13.91 362,684 1.80 69.87
90 First Whitney Bank and Trust Atlantic Iowa Commercial Bank 23.87 19.04 212,000 2.39 30.06
91 First Central Bank McCook McCook Neb. Commercial Bank 23.79 13.32 115,093 2.44 43.28
92 Crockett National Bank San Antonio Tex. Commercial Bank 23.72 26.82 671,027 2.74 73.37
93 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 23.71 26.72 81,950 1.83 57.48
94 High Plains Bank Keyes Okla. Commercial Bank 23.70 21.52 87,017 2.83 39.17
North American Banking Company Roseville Minn. Commercial Bank 23.70 19.88 515,686 2.06 51.36
96 Advantage Bank Loveland Colo. Commercial Bank 23.68 18.33 312,076 2.57 45.95
97 First State Bank of Golva Golva N.D. Commercial Bank 23.66 17.74 79,372 2.26 23.00
98 Citizens National Bank of Texas Waxahachie Tex. Commercial Bank 23.65 22.80 998,921 2.24 59.99
99 Wells Bank Platte City Mo. Commercial Bank 23.62 24.66 218,811 2.23 51.12
100 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 23.52 31.20 84,009 2.66 37.11
Ultima Bank Minnesota Winger Minn. Commercial Bank 23.52 20.83 179,412 2.41 52.56
102 First Bank Kansas Salina Kan. Commercial Bank 23.51 20.37 447,441 1.76 62.23
103 First National Bank of Anson Anson Tex. Commercial Bank 23.48 14.31 64,707 1.90 59.06
104 First National Bank of Nokomis Nokomis Ill. Commercial Bank 23.44 11.85 150,532 2.51 50.95
105 Champion Bank Parker Colo. Commercial Bank 23.26 30.79 54,314 4.73 58.94
106 Douglas National Bank Douglas Ga. Commercial Bank 23.22 23.63 177,766 2.77 52.98
107 Citizens State Bank Marysville Kan. Commercial Bank 23.18 22.20 344,387 2.21 37.08
108 Security First National Bank of Hugo Hugo Okla. Commercial Bank 23.16 20.34 112,456 2.05 52.97
109 Alamosa State Bank Alamosa Colo. Commercial Bank 23.07 20.26 247,336 2.07 44.23
Bank of Mauston Mauston Wis. Commercial Bank 23.07 20.54 289,010 2.75 41.70
111 First Security Bank Beaver Okla. Commercial Bank 23.03 14.55 116,470 2.05 49.82
112 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 22.99 17.08 252,841 2.30 54.20
113 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 22.98 23.13 544,617 2.26 55.78
114 Regional Missouri Bank Marceline Mo. Commercial Bank 22.97 18.34 231,106 2.26 46.27
115 Community Bank of Santa Maria Santa Maria Calif. Commercial Bank 22.96 7.25 250,467 2.05 51.44
Grand Savings Bank Grove Okla. Commercial Bank 22.96 17.16 464,847 2.03 58.62
117 Tri Valley Bank Talmage Neb. Commercial Bank 22.92 21.22 45,921 2.05 39.30
118 TransCapital Bank Sunrise Fla. Commercial Bank 22.91 14.99 200,610 3.87 37.92
119 First Utah Bank Salt Lake City Utah Commercial Bank 22.87 25.17 359,180 2.64 67.89
120 Grant County State Bank Swayzee Ind. Commercial Bank 22.78 22.45 179,077 2.40 31.30
NBKC Bank Kansas City Mo. Commercial Bank 22.78 25.21 662,316 2.93 78.51
122 Bank of Commerce Greenwood Miss. Commercial Bank 22.76 14.46 453,018 2.13 38.15
Community Bank Longview Tex. Commercial Bank 22.76 22.51 218,709 2.34 42.42
124 Auburn Banking Company Auburn Ky. Commercial Bank 22.67 10.56 79,444 1.85 59.29
125 Commercial Capital Bank Delhi La. Commercial Bank 22.65 22.28 164,849 2.82 40.98
126 Jefferson Bank Greenville Miss. Commercial Bank 22.58 10.40 130,400 3.83 34.85
127 State Savings Bank Creston Iowa Commercial Bank 22.55 21.10 112,700 2.22 44.73
128 Village Bank Saint Francis Minn. Commercial Bank 22.48 19.36 293,733 1.75 63.73
129 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 22.45 26.82 78,871 2.19 57.00
130 NewFirst National Bank El Campo Tex. Commercial Bank 22.44 23.63 685,942 2.52 50.47
Security State Bank Cheyenne Okla. Commercial Bank 22.44 17.54 174,863 3.14 36.75
132 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 22.40 27.30 54,133 2.91 39.30
133 International Bank of Chicago Chicago Ill. Commercial Bank 22.39 15.81 601,972 2.75 54.61
134 Old Fort Banking Company Old Fort Ohio Commercial Bank 22.34 16.86 523,886 1.60 56.76
135 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 22.29 19.72 198,264 2.92 47.59
136 Thomasville National Bank Thomasville Ga. Commercial Bank 22.26 18.11 844,676 2.11 45.95
137 Central National Bank Waco Tex. Commercial Bank 22.22 21.83 893,626 1.99 47.21
138 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 22.20 22.15 176,004 2.06 59.57
139 North Valley Bank Thornton Colo. Commercial Bank 22.16 22.39 176,283 2.51 51.10
140 Peoples Bank Westville Okla. Commercial Bank 22.15 25.42 46,538 2.80 58.12
141 Crowell State Bank Crowell Tex. Commercial Bank 22.14 20.81 38,910 2.22 53.07
142 Citizens Community Bank Hahira Ga. Commercial Bank 22.07 11.26 134,762 2.47 61.15
143 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 22.03 21.80 206,889 1.75 53.17
144 American State Bank Osceola Iowa Commercial Bank 21.99 26.02 213,109 1.95 54.56
145 First National Bank of Evant Evant Tex. Commercial Bank 21.90 20.68 96,576 1.72 63.77
146 Farmers & Stockmens Bank Clayton N.M. Commercial Bank 21.89 19.79 207,216 2.67 63.43
147 Horizon Bank, SSB Austin Tex. Savings Bank 21.82 19.60 959,029 1.84 55.69
148 Security State Bank Farwell Tex. Commercial Bank 21.81 15.41 132,098 2.91 30.26
149 HomeBank Texas Seagoville Tex. Commercial Bank 21.79 15.91 185,175 2.15 53.91
150 Delta Bank Vidalia La. Commercial Bank 21.75 18.22 293,163 1.70 62.13
151 NSB Bank Mason City Iowa Commercial Bank 21.74 21.78 200,706 2.25 43.11
152 Lewisburg Banking Company Lewisburg Ky. Commercial Bank 21.71 15.95 116,234 2.19 53.83
153 First National Bank of Cokato Cokato Minn. Commercial Bank 21.70 18.64 59,822 1.59 61.21
154 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 21.68 20.16 82,632 2.51 49.49
155 Randall State Bank Randall Minn. Commercial Bank 21.64 17.06 46,105 2.45 53.19
156 Bank of Geneva Geneva Ind. Commercial Bank 21.59 19.81 286,653 2.32 48.21
Home Bank of California San Diego Calif. Commercial Bank 21.59 19.90 166,316 3.10 35.41
KodaBank Drayton N.D. Commercial Bank 21.59 21.74 146,413 2.60 38.80
159 Signature Bank Rosemont Ill. Commercial Bank 21.57 14.14 780,086 1.84 44.37
Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 21.57 20.64 285,273 2.78 41.89
161 Morris Bank Dublin Ga. Commercial Bank 21.56 21.85 717,491 2.23 51.97
162 First Bank of Berne Berne Ind. Commercial Bank 21.55 19.94 691,576 2.02 52.08
163 Main Bank Albuquerque N.M. Commercial Bank 21.53 22.90 134,252 2.09 46.70
164 Carver State Bank Savannah Ga. Commercial Bank 21.52 12.46 41,188 2.09 72.97
165 Bank of Columbia Columbia Ky. Commercial Bank 21.46 23.87 137,118 2.15 58.69
166 Central Bank Houston Tex. Commercial Bank 21.45 14.01 699,313 2.01 60.82
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 21.45 18.40 496,522 2.57 35.29
168 Bank of Texas Midland Tex. Commercial Bank 21.42 16.11 371,579 2.40 31.68
169 State Savings Bank West Des Moines Iowa Commercial Bank 21.37 18.36 138,356 2.06 49.38
170 Freedom Bank Huntingburg Ind. Commercial Bank 21.31 20.80 410,216 2.22 44.53
171 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 21.24 19.30 752,908 1.81 58.87
Farmers and Merchants Bank Maysville Okla. Commercial Bank 21.24 18.99 20,018 1.64 66.93
Security State Bank Tyndall S.D. Commercial Bank 21.24 14.47 208,232 2.00 46.12
174 First State Bank Wilmot S.D. Commercial Bank 21.22 17.35 50,568 2.15 44.70
175 Intracoastal Bank Palm Coast Fla. Commercial Bank 21.17 20.26 321,641 1.75 53.13
176 First National Bank of Picayune Picayune Miss. Commercial Bank 21.09 18.89 217,831 2.73 47.71
177 Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 21.08 19.69 186,484 1.85 60.59
Grandview Bank Grandview Tex. Commercial Bank 21.08 13.61 207,759 1.70 49.07
179 First General Bank Rowland Heights Calif. Commercial Bank 21.07 13.96 911,374 2.57 24.92
180 Plumas Bank Quincy Calif. Commercial Bank 21.06 17.10 764,089 1.92 49.27
181 Florida Business Bank Melbourne Fla. Commercial Bank 21.05 6.10 125,078 2.81 56.17
Volunteer State Bank Portland Tenn. Commercial Bank 21.05 16.07 665,340 1.86 70.50
183 F & C Bank Holden Mo. Commercial Bank 21.02 17.59 217,706 2.05 57.11
184 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 21.00 19.11 144,932 2.07 54.18
185 Grand Marais State Bank Grand Marais Minn. Commercial Bank 20.99 19.43 91,078 1.49 57.61
186 Bank of Morton Morton Miss. Commercial Bank 20.98 19.47 67,621 3.00 51.73
Enloe State Bank Cooper Tex. Commercial Bank 20.98 16.66 34,249 2.02 50.48
188 Cedar Security Bank Fordyce Neb. Commercial Bank 20.97 5.18 52,557 2.59 44.79
Prime Bank Edmond Okla. Commercial Bank 20.97 24.29 269,350 2.64 43.35
190 First Bank of Owasso Owasso Okla. Commercial Bank 20.96 22.04 385,046 2.23 45.80
191 Paradise Bank Boca Raton Fla. Commercial Bank 20.94 20.82 320,642 2.12 60.70
Rock Canyon Bank Provo Utah Commercial Bank 20.94 21.34 393,888 2.12 59.24
South Georgia Bank Glennville Ga. Commercial Bank 20.94 19.72 159,710 2.31 55.30
Star Bank Maple Lake Minn. Commercial Bank 20.94 20.02 269,822 2.03 59.97
195 Lake Central Bank Annandale Minn. Commercial Bank 20.91 9.57 148,856 2.42 51.29
196 Idabel National Bank Idabel Okla. Commercial Bank 20.88 18.91 122,849 1.80 57.96
197 Citizens First National Bank Storm Lake Iowa Commercial Bank 20.87 18.56 202,571 2.20 46.08
198 First National Bank of Oklahoma Oklahoma City Okla. Commercial Bank 20.84 17.08 459,644 1.79 55.18
199 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.82 21.40 820,032 1.93 54.97
200 Middletown State Bank Middletown Ill. Commercial Bank 20.80 18.64 35,723 2.01 38.26

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 Aug. 24, 2018. 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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