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Community banking

Community Banks with the Highest Returns on Average Equity

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

Year to date through Jun. 30, 2019. Dollars in thousands.

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Community Banks with the Highest Returns on Average Equity
Rank Name City State Type of charter

Return on average equity

 Total assets Return on average assets Efficiency ratio
2Q 2019 2Q 2018
1 Laurel Road Bank 1 Darien Conn. Commercial Bank 934.45 -23.75 $393,925 99.75 87.59
2 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 78.73 14.99 169,765 6.53 85.06
3 First American Bank Fort Dodge Iowa Commercial Bank 65.77 7.41 855,758 7.65 27.45
4 Fort Gibson State Bank Fort Gibson Okla. Commercial Bank 51.33 13.42 60,976 1.31 70.43
5 Willamette Valley Bank Salem Ore. Commercial Bank 44.20 40.40 257,072 5.26 67.87
6 FinWise Bank Murray Utah Commercial Bank 43.76 25.27 135,898 7.72 41.48
7 Millennium Bank Des Plaines Ill. Commercial Bank 39.92 17.05 141,518 4.69 46.34
8 Central Bank of Kansas City Kansas City Mo. Commercial Bank 39.42 27.36 203,053 6.51 49.78
9 State Bank of Texas Dallas Tex. Commercial Bank 39.10 28.47 887,249 6.37 19.04
10 Magnolia Bank Magnolia Ky. Commercial Bank 36.67 10.79 279,700 3.64 83.06
11 ValueBank Texas Corpus Christi Tex. Commercial Bank 36.50 11.34 249,730 3.87 47.01
12 National Bank of Andrews Andrews Tex. Commercial Bank 35.96 31.24 218,938 3.88 50.16
13 Apex Bank Camden Tenn. Commercial Bank 34.44 36.39 583,399 4.67 35.42
14 Charter Bank Corpus Christi Tex. Commercial Bank 33.23 31.55 288,190 3.61 47.07
15 Community Bank of Raymore Raymore Mo. Commercial Bank 33.16 44.77 257,575 2.85 48.70
16 First National Bank of Williamson Williamson W.Va. Commercial Bank 32.89 5.42 86,262 3.41 53.74
17 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 31.69 31.54 298,124 2.78 48.64
18 NBKC Bank Kansas City Mo. Commercial Bank 31.68 22.78 800,768 3.89 77.34
19 FBT Bank & Mortgage Fordyce Ark. Commercial Bank 31.45 43.08 166,520 3.54 45.96
20 Brannen Bank Inverness Fla. Commercial Bank 31.10 28.88 534,935 2.06 52.43
21 First State Bank Elmore City Okla. Commercial Bank 30.56 3.77 14,204 3.65 88.37
22 Coleman County State Bank Coleman Tex. Commercial Bank 30.46 24.67 118,658 3.02 55.34
23 CNB Bank Carlsbad N.M. Commercial Bank 29.66 23.10 409,927 2.46 45.78
24 Haverford Trust Company Radnor Pa. Commercial Bank 29.44 33.09 133,446 5.89 83.34
25 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 29.25 26.55 267,073 2.50 57.01
26 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 29.00 32.00 395,939 3.42 42.48
27 Rock Canyon Bank Provo Utah Commercial Bank 28.78 20.94 449,863 3.13 52.37
28 Commercial Bank Crawford Ga. Commercial Bank 28.70 24.29 186,719 3.23 45.68
29 Quantum National Bank Suwanee Ga. Commercial Bank 28.60 28.73 510,246 3.22 41.46
30 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 28.38 27.98 381,070 2.22 49.18
31 Riverside Bank Sparkman Ark. Commercial Bank 28.16 30.80 61,207 2.40 53.41
32 CoreFirst Bank & Trust Topeka Kan. Commercial Bank 27.96 10.21 946,283 2.64 54.06
33 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 27.73 23.71 84,821 2.30 51.52
34 Allied First Bank,sb Oswego Ill. Savings Bank 27.51 -9.83 92,041 3.16 93.64
35 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 27.40 27.06 539,831 2.30 50.00
36 Tolleson Private Bank Dallas Tex. Commercial Bank 27.39 24.51 570,976 2.45 45.57
37 First National Bank of Anson Anson Tex. Commercial Bank 27.03 23.48 61,779 2.48 55.40
38 1st Bank & Trust Broken Bow Okla. Commercial Bank 27.02 26.26 159,300 2.96 42.83
39 First State Bank Scottsbluff Neb. Commercial Bank 26.95 20.55 290,658 2.48 58.84
40 Charter West Bank West Point Neb. Commercial Bank 26.42 10.41 285,688 2.45 67.83
41 Goose River Bank Mayville N.D. Commercial Bank 26.35 12.39 116,480 2.81 52.62
42 Bendena State Bank Bendena Kan. Commercial Bank 26.21 15.56 65,926 2.58 52.08
43 First National Bank of Central Texas Waco Tex. Commercial Bank 26.17 25.95 829,091 2.58 42.53
44 Nebraska State Bank Oshkosh Neb. Commercial Bank 26.16 27.17 50,094 4.25 37.68
45 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 26.15 20.60 40,690 2.72 45.80
46 Crown Bank Elizabeth N.J. Commercial Bank 25.98 12.98 515,528 4.85 40.28
47 Bank of Hemet Riverside Calif. Commercial Bank 25.97 24.20 744,526 2.81 39.31
48 Farmers and Merchants Bank Maysville Okla. Commercial Bank 25.92 21.24 18,992 2.12 60.69
49 North Valley Bank Thornton Colo. Commercial Bank 25.78 22.16 178,459 3.06 47.47
50 Bank Northwest Hamilton Mo. Commercial Bank 25.60 25.79 167,379 2.30 47.61
51 Welcome State Bank Welcome Minn. Commercial Bank 25.48 24.94 30,215 2.90 48.60
52 Freedom Bank Saint Petersburg Fla. Commercial Bank 25.46 11.69 344,230 2.23 54.05
53 PromiseOne Bank Duluth Ga. Commercial Bank 25.34 24.70 419,858 3.36 48.16
54 Prairie Sun Bank Milan Minn. Commercial Bank 25.28 13.71 48,988 2.26 62.56
55 Oklahoma State Bank Buffalo Okla. Commercial Bank 25.23 25.58 54,120 2.64 53.06
56 Midwest Bank Detroit Lakes Minn. Commercial Bank 25.18 25.55 506,389 2.41 43.61
Wallis Bank Wallis Tex. Commercial Bank 25.18 24.85 752,993 3.03 51.88
58 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 25.16 23.52 94,325 2.98 28.17
Sound Banking Company Lakewood Wash. Commercial Bank 25.16 25.06 53,396 2.50 51.47
60 Douglas National Bank Douglas Ga. Commercial Bank 25.14 23.22 189,504 2.99 49.80
61 Mississippi River Bank Belle Chasse La. Commercial Bank 24.97 20.40 112,641 3.38 49.90
62 North American Banking Company Roseville Minn. Commercial Bank 24.89 23.70 537,544 2.35 49.88
63 State Bank of New Richland New Richland Minn. Commercial Bank 24.86 25.87 114,007 2.32 38.91
64 NewFirst National Bank El Campo Tex. Commercial Bank 24.80 22.44 721,289 2.96 50.23
65 Bank of Western Oklahoma Elk City Okla. Commercial Bank 24.73 19.00 304,029 2.05 57.46
66 Englewood Bank & Trust Englewood Fla. Commercial Bank 24.68 25.69 309,684 2.27 52.76
67 Adrian Bank Adrian Mo. Commercial Bank 24.67 13.56 142,057 2.83 40.13
68 Twin River Bank Lewiston Idaho Commercial Bank 24.65 17.78 99,972 2.08 55.49
69 Security First National Bank of Hugo Hugo Okla. Commercial Bank 24.51 23.16 113,027 2.28 51.68
70 Tilden Bank Tilden Neb. Commercial Bank 24.47 9.75 84,205 2.73 69.47
71 Texas Bank Financial Weatherford Tex. Commercial Bank 24.18 26.95 400,313 2.20 61.79
72 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 24.14 27.55 312,887 2.32 52.03
73 First State Bank Louise Tex. Commercial Bank 24.09 25.41 481,832 2.25 56.69
74 First Bank Erick Okla. Commercial Bank 23.97 20.40 74,185 2.92 48.45
75 Southwest Bank Odessa Tex. Commercial Bank 23.90 24.65 431,404 2.08 60.33
76 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 23.79 29.79 231,452 2.25 46.03
77 Crowell State Bank Crowell Tex. Commercial Bank 23.74 22.14 39,483 2.55 54.00
78 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 23.72 29.17 373,553 2.32 58.73
Ciera Bank Graham Tex. Commercial Bank 23.72 13.91 595,688 2.97 57.02
80 First Bank of the Lake Osage Beach Mo. Commercial Bank 23.69 12.24 106,802 2.14 52.73
81 Bank of Hydro Hydro Okla. Commercial Bank 23.67 26.91 123,037 2.69 47.58
82 Austin Capital Bank SSB Austin Tex. Savings Bank 23.57 3.30 128,255 2.74 83.58
83 Citizens Bank Butler Mo. Commercial Bank 23.40 18.93 115,631 2.01 61.97
84 Central National Bank Waco Tex. Commercial Bank 23.35 22.22 912,330 2.13 44.62
85 Bank of Okolona Okolona Miss. Commercial Bank 23.28 19.39 198,424 2.28 54.35
86 Peoples Bank Mendenhall Miss. Commercial Bank 23.17 24.65 315,374 2.27 65.36
87 Phelps County Bank Rolla Mo. Commercial Bank 23.13 25.38 365,817 1.75 62.75
88 Citizens Bank Hartford Ky. Commercial Bank 22.92 10.75 115,237 1.87 52.85
89 Community Bank Longview Tex. Commercial Bank 22.87 22.76 222,362 2.54 41.78
90 Interstate Bank, SSB Perryton Tex. Savings Bank 22.73 18.49 189,792 2.36 49.56
91 First State Bank & Trust Company Fremont Neb. Commercial Bank 22.68 17.53 257,179 2.13 54.25
Security State Bank Sutherland Iowa Commercial Bank 22.68 24.81 144,212 2.31 36.23
93 Security Bank USA Bemidji Minn. Commercial Bank 22.47 19.08 151,061 2.04 60.67
94 Grant County State Bank Swayzee Ind. Commercial Bank 22.46 22.78 189,398 2.58 30.15
95 Bank of Texas Midland Tex. Commercial Bank 22.43 21.42 372,380 2.92 30.75
96 BOM Bank Natchitoches La. Commercial Bank 22.38 19.81 450,593 2.18 61.69
97 Citizens State Bank Marysville Kan. Commercial Bank 22.31 23.18 350,799 2.25 36.86
98 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 22.27 22.29 215,735 3.03 46.34
99 Citizens State Bank Miles Tex. Commercial Bank 22.24 25.02 152,423 2.16 48.47
100 Bank of Cordell Cordell Okla. Commercial Bank 22.17 15.22 39,209 2.36 57.09
101 Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 22.14 21.08 200,247 2.09 56.61
102 Community Bank Bristow Okla. Commercial Bank 22.13 24.37 88,085 1.98 53.16
103 High Plains Bank Keyes Okla. Commercial Bank 22.05 23.70 149,250 2.12 51.50
104 Prime Bank Edmond Okla. Commercial Bank 22.04 20.97 278,971 2.79 37.39
Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 22.04 21.00 141,130 2.33 54.18
106 Bank7 Oklahoma City Okla. Commercial Bank 22.03 32.56 797,419 2.67 36.11
Robertson Banking Company Demopolis Ala. Commercial Bank 22.03 16.87 324,549 2.30 49.43
108 Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 21.99 25.58 192,665 2.64 81.73
109 Crockett National Bank San Antonio Tex. Commercial Bank 21.98 23.72 671,918 2.70 70.96
110 First State Bank Spearman Tex. Commercial Bank 21.94 20.32 143,043 1.77 58.31
111 Bank of England England Ark. Commercial Bank 21.93 17.92 398,912 2.96 90.48
112 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 21.88 24.54 191,701 2.16 41.60
113 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 21.85 28.49 461,983 1.56 55.84
114 First National Bank of Evant Evant Tex. Commercial Bank 21.84 21.90 101,380 1.91 62.33
115 First Colony Bank of Florida Maitland Fla. Commercial Bank 21.83 24.64 224,774 2.18 47.00
116 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 21.72 22.45 85,333 2.27 54.90
117 Adrian State Bank Adrian Minn. Commercial Bank 21.70 17.85 49,863 2.05 50.66
Prime Alliance Bank Woods Cross Utah Commercial Bank 21.70 19.00 455,117 2.29 29.53
119 St. Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 21.65 17.95 93,245 2.38 37.65
120 First State Bank Boise City Okla. Commercial Bank 21.58 20.27 83,021 1.83 56.20
121 Citizens Tri-County Bank Dunlap Tenn. Commercial Bank 21.50 18.82 903,808 2.16 50.37
122 Town and Country Bank Midwest Quincy Ill. Commercial Bank 21.41 20.49 186,839 2.36 49.79
123 Main Bank Albuquerque N.M. Commercial Bank 21.40 21.53 158,363 2.01 47.76
124 First Whitney Bank and Trust Atlantic Iowa Commercial Bank 21.38 23.87 214,807 2.27 32.06
Grand Marais State Bank Grand Marais Minn. Commercial Bank 21.38 20.99 89,699 1.70 57.01
126 Premier Bank Minnesota Farmington Minn. Commercial Bank 21.37 17.04 253,155 2.09 56.51
127 Idabel National Bank Idabel Okla. Commercial Bank 21.30 20.88 130,188 2.02 51.77
128 Freedom Bank Huntingburg Ind. Commercial Bank 21.27 21.31 441,267 2.20 43.14
129 CenTrust Bank, National Association Northbrook Ill. Commercial Bank 21.20 7.43 129,826 1.91 62.60
Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 21.20 24.76 213,741 1.81 58.67
131 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 21.18 22.98 576,923 2.28 55.90
132 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 21.15 21.57 287,715 2.87 42.90
133 Great Plains National Bank Hollis Okla. Commercial Bank 21.12 40.33 799,078 2.09 70.53
134 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 21.10 22.40 61,683 2.47 40.98
135 Thomasville National Bank Thomasville Ga. Commercial Bank 21.09 22.26 961,484 1.94 46.94
136 Community First Bank Butler Mo. Commercial Bank 21.08 19.74 171,577 1.98 51.94
137 First National Bank of Las Animas Las Animas Colo. Commercial Bank 21.06 20.46 377,144 2.59 46.36
Wauchula State Bank Wauchula Fla. Commercial Bank 21.06 19.47 699,612 2.51 46.66
139 Community National Bank Monett Mo. Commercial Bank 21.05 17.60 136,738 2.01 56.89
140 Florida Capital Bank, N.A. Jacksonville Fla. Commercial Bank 21.04 9.11 454,661 1.86 77.43
141 Benchmark Bank Plano Tex. Commercial Bank 20.99 18.82 646,484 1.99 75.20
Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.99 20.82 848,460 2.10 52.12
FirstBank of Nebraska Wahoo Neb. Commercial Bank 20.99 19.91 274,116 2.16 38.75
144 Bank of Mauston Mauston Wis. Commercial Bank 20.97 23.07 291,659 2.73 40.78
145 First Bank of Berne Berne Ind. Commercial Bank 20.95 21.55 693,583 2.13 50.07
146 Grundy Bank Morris Ill. Commercial Bank 20.94 19.73 295,557 2.43 51.08
Platte Valley Bank of Missouri Platte City Mo. Commercial Bank 20.94 19.40 605,022 2.05 59.58
148 American State Bank Osceola Iowa Commercial Bank 20.93 21.99 224,513 1.97 54.42
149 Security State Bank Tyndall S.D. Commercial Bank 20.90 21.24 234,660 1.89 47.48
150 Coffee County Bank Manchester Tenn. Commercial Bank 20.84 24.80 195,614 2.43 46.90
151 Platte Valley Bank Torrington Wyo. Commercial Bank 20.80 15.08 441,748 2.11 48.27
152 Bank of Star Valley Afton Wyo. Commercial Bank 20.79 18.36 225,378 2.13 46.91
Charlevoix State Bank Charlevoix Mich. Commercial Bank 20.79 19.88 184,906 1.98 60.04
154 Jonesburg State Bank Jonesburg Mo. Commercial Bank 20.75 19.44 99,061 1.65 63.01
State Savings Bank Creston Iowa Commercial Bank 20.75 22.55 118,930 2.00 46.49
156 Old Fort Banking Company Old Fort Ohio Commercial Bank 20.66 22.34 550,499 1.66 57.43
157 Bank of Central Florida Lakeland Fla. Commercial Bank 20.63 16.20 519,486 1.68 55.15
First Bank of Owasso Owasso Okla. Commercial Bank 20.63 20.96 429,815 2.12 45.60
159 Bank of Columbia Columbia Ky. Commercial Bank 20.60 21.46 146,420 2.12 57.57
160 Brighton Bank Salt Lake City Utah Commercial Bank 20.53 20.21 205,647 2.64 51.49
Pony Express Community Bank Saint Joseph Mo. Commercial Bank 20.53 5.14 73,982 2.21 62.86
162 Auburn Banking Company Auburn Ky. Commercial Bank 20.52 22.67 81,161 1.85 60.49
163 Fresno First Bank Fresno Calif. Commercial Bank 20.49 17.20 459,968 2.02 48.31
164 Dakota Western Bank Bowman N.D. Commercial Bank 20.44 19.13 277,097 2.34 45.72
165 Lake Elmo Bank Lake Elmo Minn. Commercial Bank 20.42 18.32 369,831 1.99 56.42
166 Ultima Bank Minnesota Winger Minn. Commercial Bank 20.39 23.52 186,673 2.11 56.36
167 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 20.38 20.53 216,615 2.13 50.10
168 Union Bank of Mena Mena Ark. Commercial Bank 20.35 20.51 266,892 2.10 56.80
169 Midwest Community Bank Freeport Ill. Commercial Bank 20.34 10.68 237,374 2.19 81.16
170 Citizens Bank Amarillo Tex. Commercial Bank 20.33 18.73 161,910 2.21 50.78
171 Farmers and Merchants Bank of Mound City, Kansas Mound City Kan. Commercial Bank 20.27 19.94 40,589 1.48 64.97
172 First Bank Burkburnett Tex. Commercial Bank 20.23 20.46 442,725 2.30 68.31
Ipava State Bank Ipava Ill. Commercial Bank 20.23 18.76 140,613 1.82 61.43
174 Marion County State Bank Pella Iowa Commercial Bank 20.20 18.79 312,979 1.99 45.98
175 Lafayette State Bank Mayo Fla. Commercial Bank 20.16 3.03 107,624 1.57 75.39
176 Tri Valley Bank Talmage Neb. Commercial Bank 20.13 22.92 47,405 1.84 44.02
177 Merchants Bank Rugby N.D. Commercial Bank 20.11 15.58 164,144 1.93 37.89
178 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 20.09 21.24 834,519 1.72 59.07
179 Grand Savings Bank Grove Okla. Commercial Bank 20.07 22.96 498,391 1.88 61.54
Intracoastal Bank Palm Coast Fla. Commercial Bank 20.07 21.17 335,113 1.88 52.16
181 Wells Bank Platte City Mo. Commercial Bank 20.05 23.62 227,437 1.98 54.53
182 KodaBank Drayton N.D. Commercial Bank 20.02 21.59 147,996 2.60 41.53
183 Amerasia Bank Flushing N.Y. Commercial Bank 19.94 19.33 648,325 2.40 33.09
184 Bank of Montana Missoula Mont. Commercial Bank 19.92 31.48 84,595 2.57 52.86
Farmers Trust & Savings Bank Earling Iowa Commercial Bank 19.92 16.29 93,605 1.91 56.33
186 Bank of Ontario Ontario Wis. Commercial Bank 19.91 15.39 51,558 2.31 49.00
187 Paradise Bank Boca Raton Fla. Commercial Bank 19.89 20.94 326,055 2.23 60.09
Points West Community Bank Windsor Colo. Commercial Bank 19.89 24.53 255,786 2.14 51.45
189 North Shore Bank of Commerce Duluth Minn. Commercial Bank 19.87 14.32 274,858 1.76 73.04
190 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 19.83 22.99 276,073 1.91 55.10
191 Commercial Bank of Mott Mott N.D. Commercial Bank 19.76 19.09 111,023 2.74 37.68
192 NSB Bank Mason City Iowa Commercial Bank 19.74 21.74 202,231 2.17 44.27
193 F & C Bank Holden Mo. Commercial Bank 19.73 21.02 228,989 2.09 57.05
First Bank Kansas Salina Kan. Commercial Bank 19.73 23.51 441,053 1.78 63.65
195 Home Bank of California San Diego Calif. Commercial Bank 19.68 21.59 179,229 2.72 40.31
196 HomeBank Texas Seagoville Tex. Commercial Bank 19.67 21.79 196,203 2.14 54.18
197 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 19.66 21.45 507,624 2.52 38.21
198 Bank of Kremlin Kremlin Okla. Commercial Bank 19.62 15.09 304,333 2.09 51.21
199 Peoples Bank of Alabama Cullman Ala. Commercial Bank 19.61 15.32 823,976 1.86 67.54
200 Middletown State Bank Middletown Ill. Commercial Bank 19.60 20.80 36,267 1.94 36.79

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 August 29, 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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