Community Banks with the Highest Returns on Average Equity

April 03, 2012, 6:13 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityOn Dec. 31, 2011. Dollars in thousands. Published April 3, 2012
Rank		Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank		Type of institution	4Q 2011	4Q 2010	Total assets	Return on average assets	Efficiency ratio
1	Bank 7 Oklahoma City	commercial	81.09%	20.41%	$211,566	8.54%	27.25%
2	Live Oak Banking Co. Wilmington, N.C.	commercial	57.60	51.48	263,519	6.14	52.98
3	Community Bank Austin, Minn.	commercial	47.30	-7.56	38,027	3.72	91.33
4	Continental Bank Salt Lake City	commercial	44.46	66.53	113,700	10.07	29.33
5	RepublicBankAz Phoenix	commercial	42.40	-21.17	65,794	4.13	58.20
6	Bank of Montgomery La.	commercial	40.53	30.48	174,702	3.67	46.64
7	Cache Valley Bank Logan, Utah	commercial	39.67	12.16	488,018	4.80	27.16
8	Oxford Bank Mich.	commercial	39.51	-13.31	264,303	1.45	88.11
9	American First National Bank Houston	commercial	36.88	11.45	868,864	4.20	28.27
10	Charter Bank Corpus Christi, Texas	commercial	35.92	32.39	207,637	2.89	50.25
11	Lusk State Bank Wyo.	commercial	35.14	25.95	50,828	3.34	44.18
12	Bank of Buffalo Ky.	commercial	35.00	31.96	74,529	3.29	31.12
13	Royal Bank Elroy, Wis.	commercial	34.67	11.82	309,755	3.49	31.84
14	Riverside Bank Sparkman, Ark.	commercial	34.34	35.28	58,601	2.70	49.83
15	First Financial Bank El Dorado, Ark.	commercial	34.30	28.02	791,266	3.09	51.00
16	First Midwest Bank Centerville, S.D.	commercial	33.97	-92.19	89,995	3.40	48.49
17	Bank of Birmingham Mich.	commercial	33.78	7.34	123,868	3.03	76.55
18	Citizens State Bank of La Crosse Wis.	commercial	31.86	39.26	112,027	2.59	50.19
19	Bank of Hydro Okla.	commercial	31.74	20.63	115,242	2.58	40.76
20	First State Bank Ryan, Okla.	commercial	31.24	-55.74	35,349	1.66	61.38
21	FirstBank Antlers, Okla.	commercial	30.24	27.87	225,632	2.46	64.39
22	Security State Bank Sutherland, Iowa	commercial	30.22	30.47	79,275	2.55	42.67
23	WestStar Bank El Paso, Texas	commercial	29.88	26.49	986,432	2.54	47.44
24	Community Bank Longview, Texas	commercial	29.13	32.13	151,021	1.98	54.58
25	Wells Bank of Platte City Mo.	commercial	28.91	32.87	94,199	2.25	47.27
26	Exchange Bank Gibbon, Neb.	commercial	28.83	20.18	389,060	2.48	41.18
27	Peoples State Bank McDonald, Kan.	commercial	28.63	19.42	115,815	2.47	54.12
28	Security Bank and Trust Co. Paris, Tenn.	commercial	28.18	23.74	172,896	2.66	46.47
29	Mainland Bank Texas City, Texas	commercial	28.13	28.76	90,321	2.50	57.00
30	First National Bank Fabens, Texas	commercial	27.87	29.94	303,002	2.29	50.11
31	Merchants Bank of Indiana Lynn	commercial	27.83	52.35	608,659	3.26	35.80
32	American Interstate Bank Elkhorn, Neb.	commercial	27.67	27.17	110,498	2.34	41.13
33	Lowry State Bank Minn.	commercial	27.57	16.35	37,616	2.59	49.70
34	United Community Bank of North Dakota Leeds	commercial	27.51	21.73	235,981	2.30	45.53
35	Heritage State Bank Lawrenceville, Ill.	commercial	27.49	30.97	71,213	2.48	54.97
36	Great Plains National Bank Elk City, Okla.	commercial	27.40	23.26	395,101	2.41	60.71
37	Farmers and Merchants State Bank Plankinton, S.D.	commercial	27.37	27.08	84,586	2.60	41.09
38	Prime Bank Edmond, Okla.	commercial	27.21	21.35	144,490	2.61	44.59
39	Morris State Bank Okla.	commercial	27.11	25.55	62,874	2.41	53.27
40	Crestmark Bank Troy, Mich.	commercial	27.00	22.94	362,969	3.21	61.81
41	Bank of Baker Mont.	commercial	26.97	27.89	128,638	2.31	40.13
42	Main Street Bank Bingham Farms, Mich.	commercial	26.91	-7.75	107,192	1.96	80.86
43	Citizens State Bank Okemah, Okla.	commercial	26.84	27.40	164,522	2.40	35.86
44	Pilsen State Bank Lincolnville, Kan.	commercial	26.73	73.40	10,584	3.62	38.83
45	Goodfield State Bank Ill.	commercial	26.57	32.03	70,023	3.22	41.65
46	Brunswick State Bank Neb.	commercial	26.13	28.70	84,488	2.49	44.55
47	Auburn Banking Co. Ky.	commercial	25.89	24.53	64,475	2.07	55.51
48	First American Bank Stonewall, Okla.	commercial	25.84	25.10	23,921	2.79	54.65
49	Points West Community Bank Julesburg, Colo.	commercial	25.68	12.96	197,142	2.37	46.36
50	Choice Bank Oshkosh, Wis.	commercial	25.58	-30.14	175,010	2.06	54.01
51	State Bank of New Richland Minn.	commercial	25.54	25.96	91,446	2.33	45.54
52	White Rock Bank Cannon Falls, Minn.	commercial	25.53	132.64	140,501	2.56	55.16
53	Brush Country Bank Freer, Texas	commercial	25.50	25.76	46,827	2.15	57.65
54	Bank Northwest Hamilton, Mo.	commercial	25.32	26.79	106,310	2.20	50.91
55	TexasBank Brownwood	commercial	25.27	29.68	292,876	3.24	45.90
56	Southwest National Bank Wichita, Kan.	commercial	25.24	25.83	421,467	2.22	53.62
57	Peoples Bank Mendenhall, Miss.	commercial	25.23	18.78	228,911	2.32	48.74
58	Premier Bank Rock Valley, Iowa	commercial	25.13	26.03	236,456	2.67	33.88
59	Security First National Bank of Hugo Okla.	commercial	25.08	23.21	101,621	2.00	47.19
60	Cowboy Bank of Texas Maypearl	commercial	25.00	24.46	50,975	2.40	58.89
61	Sherburne State Bank Becker, Minn.	commercial	24.93	-33.23	69,283	2.17	57.80
62	Dakota Community Bank and Trust Hebron, N.D.	commercial	24.87	24.33	570,006	1.81	57.37
63	Bank of Bloomsdale Mo.	commercial	24.72	26.35	193,336	2.41	42.20
64	Quinnipiac Bank and Trust Co. Hamden, Conn.	commercial	24.71	-9.42	76,007	2.75	82.83
65	Citizens State Bank Miles, Texas	commercial	24.54	26.49	80,127	2.01	52.97
66	Lyons State Bank Kan.	commercial	24.45	5.45	95,299	2.15	49.90
67	Liberty State Bank Powers Lake, N.D.	commercial	24.42	23.03	56,746	2.17	40.83
68	Heartland State Bank Redfield, S.D.	commercial	24.39	21.00	70,964	2.20	57.27
	McKenzie County Bank Watford City, N.D.	commercial	24.39	18.80	102,959	1.75	46.80
70	Ultima Bank Minnesota Winger	commercial	24.38	20.51	123,845	2.26	55.69
71	Quail Creek Bank Oklahoma City	commercial	24.36	23.54	468,320	2.28	44.67
72	Crown Bank Elizabeth, N.J.	commercial	24.30	26.90	566,256	3.14	40.63
73	Midwest Bank Detroit Lakes, Minn.	commercial	24.19	18.42	299,802	2.21	53.43
74	First Bank of Berne Ind.	commercial	24.12	25.19	434,477	2.43	47.53
75	Sabine State Bank and Trust Co. Many, La.	commercial	23.93	26.26	683,714	1.78	59.90
76	Bank of DeSoto Texas	commercial	23.85	21.41	171,468	2.42	56.20
77	Bank of Union El Reno, Okla.	commercial	23.82	25.18	381,170	2.19	37.00
78	First National Bank of Muskogee Okla.	commercial	23.74	21.48	175,000	2.03	59.16
79	Union Bank of Mena Ark.	commercial	23.71	23.26	177,378	2.21	58.88
	Venture Bank Bloomington, Minn.	commercial	23.71	15.84	319,923	2.06	54.25
81	Lone Star State Bank Texas	commercial	23.66	27.75	39,444	1.93	45.84
82	Prairie State Bank and Trust Mount Zion, Ill.	commercial	23.65	23.29	632,958	2.09	51.21
83	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	23.40	18.45	143,353	2.36	49.93
84	Northwoods State Bank Mason City, Iowa	commercial	23.37	16.36	153,021	1.98	49.95
85	Lamar Bank and Trust Co. Mo.	commercial	23.36	24.94	124,549	2.24	50.78
86	Farmers and Merchants Bank of Kendall Wis.	commercial	23.22	25.14	54,336	2.80	40.99
87	Great Plains Bank Eureka, S.D.	commercial	23.19	18.17	93,700	1.98	48.15
88	Farmers and Merchants State Bank of Pierz Minn.	commercial	23.17	24.44	177,173	2.38	45.99
89	Capital Bank Rockville, Md.	commercial	23.05	10.32	335,601	1.95	49.86
90	Grand Marais State Bank Minn.	commercial	22.99	22.83	73,990	1.82	60.14
91	Peoples Community Bank Greenville, Mo.	commercial	22.98	17.14	136,459	3.51	42.37
92	Avenue Bank Nashville, Tenn.	commercial	22.97	1.30	625,379	2.32	82.10
93	The Bank Oberlin, Kan.	commercial	22.91	28.78	201,854	2.29	39.51
	Southwest Capital Bank Las Vegas, N.M.	commercial	22.91	16.79	205,177	2.18	51.23
95	Northpointe Bank Grand Rapids, Mich.	commercial	22.89	0.36	298,844	1.14	69.62
96	CrossFirst Bank Leawood, Kan.	commercial	22.70	3.76	346,130	2.35	62.61
97	First National Bank of Central Texas Waco	commercial	22.69	21.66	608,273	1.83	51.17
98	Farmers and Merchants Bank Maysville, Okla.	commercial	22.67	20.78	18,116	1.83	58.37
99	Guaranty Bank and Trust Co. of Delhi La.	commercial	22.60	19.78	130,432	2.19	55.44
100	First State Bank Louise, Texas	commercial	22.50	22.86	289,077	1.89	61.73
101	Crockett National Bank San Angelo, Texas	commercial	22.28	16.91	299,713	2.47	48.73
102	Community First Bank Butler, Mo.	commercial	22.24	25.51	158,580	2.01	50.96
103	First National Bank of Las Animas Colo.	commercial	22.23	16.27	249,525	2.49	54.34
104	Bank of Beaver City Beaver, Okla.	commercial	22.22	16.60	138,417	1.60	59.60
105	First Southeast Bank Harmony, Minn.	commercial	22.13	15.77	85,738	1.88	64.93
106	First State Bank Scottsbluff, Neb.	commercial	22.07	19.43	215,152	1.98	46.78
107	First Bank Roxton, Texas	commercial	22.05	5.67	52,256	1.77	103.58
108	Sterling Bank Barron, Wis.	commercial	21.98	21.14	190,381	1.87	54.14
109	Middletown State Bank Ill.	commercial	21.90	23.07	25,836	2.12	43.13
110	South Lafourche Bank and Trust Co. Larose, La.	commercial	21.89	18.64	157,469	1.77	60.01
111	Westside State Bank Iowa	commercial	21.83	18.25	69,488	2.00	60.60
112	Community First Bank New Iberia, La.	commercial	21.81	20.96	246,269	1.97	52.42
113	Peoples Bank Paris, Texas	commercial	21.80	25.94	109,127	2.01	69.05
114	First State Bank of Forrest Ill.	commercial	21.78	20.65	124,381	2.05	51.63
115	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	21.64	16.33	351,538	2.55	54.08
116	Farmers and Merchants Savings Bank Waukon, Iowa	commercial	21.52	21.29	136,167	1.95	46.79
117	First National Bank George West, Texas	commercial	21.47	16.52	230,188	2.26	53.28
	Union Bank of Blair Wis.	commercial	21.47	16.39	79,908	2.01	48.53
119	First Bank of Chandler Okla.	commercial	21.43	18.87	78,306	2.15	49.70
120	Union Bank and Trust Co. Livingston, Tenn.	commercial	21.42	22.09	77,381	2.25	49.38
121	Farmers and Merchants State Bank of Cawker City Kan.	commercial	21.36	23.26	15,669	1.75	58.32
122	First National Bank Arcadia, La.	commercial	21.31	21.20	190,266	1.77	70.18
123	Exchange Bank and Trust Co. Perry, Okla.	commercial	21.30	15.73	208,332	1.94	54.66
124	Horizon Bank SSB Austin, Texas	savings	21.29	20.90	265,386	1.93	60.50
125	Great Plains National Bank Belfield, N.D.	commercial	21.21	16.86	160,499	1.98	44.83
	Seaway Bank and Trust Co. Chicago	commercial	21.21	15.80	603,147	1.55	65.62
	Community Bank Bristow, Okla.	commercial	21.21	20.33	74,104	1.48	57.91
128	Bank of Hemet Riverside, Calif.	commercial	21.11	20.43	439,763	2.43	45.97
129	First State Bank of Bedias Texas	commercial	21.09	18.08	143,238	2.20	40.13
	Nebraska State Bank Oshkosh	commercial	21.09	24.99	47,205	2.07	60.03
131	Buffalo Ridge Bank Beardsley, Minn.	commercial	21.04	21.37	42,444	1.73	56.38
132	Farmers Savings Bank Colesburg, Iowa	commercial	21.02	22.97	144,007	1.88	36.85
133	Marion County State Bank Pella, Iowa	commercial	21.00	21.76	244,472	2.36	37.93
134	State Bank of Lima Ill.	commercial	20.98	17.21	30,834	2.16	50.54
	Clear Lake Bank and Trust Co. Iowa	commercial	20.98	20.23	245,845	1.81	56.22
136	Taylor County Bank Campbellsville, Ky.	commercial	20.95	18.47	156,113	2.14	51.33
137	State Savings Bank Creston, Iowa	commercial	20.93	21.90	85,822	1.69	62.31
138	Landmands Bank Audubon, Iowa	commercial	20.85	19.11	61,677	2.01	58.42
139	Peoples State Bank Blair, Okla.	commercial	20.84	23.09	16,834	1.97	66.24
140	Basile State Bank La.	commercial	20.81	19.65	50,998	1.97	60.50
141	American State Bank Sioux Center, Iowa	commercial	20.80	22.03	567,776	2.23	39.41
142	Peoples State Bank Summit, S.D.	commercial	20.78	21.96	55,697	2.21	44.90
143	Four Corners Community Bank Farmington, N.M.	commercial	20.75	18.12	214,356	2.03	47.58
144	Century Bank of the Ozarks Gainesville, Mo.	commercial	20.71	18.96	170,040	1.91	58.74
145	Corydon State Bank Iowa	commercial	20.68	22.65	81,891	3.04	21.58
	Casey State Bank Ill.	commercial	20.68	16.06	234,844	1.89	47.85
147	Bitterroot Valley Bank Lolo, Mont.	commercial	20.66	17.73	192,324	2.11	50.80
148	Clare Bank Platteville, Wis.	commercial	20.61	20.01	260,438	2.03	38.78
149	Bay Commercial Bank Walnut Creek, Calif.	commercial	20.59	2.73	269,611	3.98	45.06
150	F&M Bank Edmond, Okla.	commercial	20.58	7.18	231,586	2.01	67.60
151	Citizens National Bank of Bluffton Ohio	commercial	20.57	19.41	589,411	1.91	56.85
152	Citizens Bank of Las Cruces N.M.	commercial	20.51	23.75	393,709	2.07	54.38
	Farmers Bank Carnegie, Okla.	commercial	20.51	22.61	55,050	1.91	61.67
154	Grant County State Bank Swayzee, Ind.	commercial	20.48	14.23	90,027	1.85	48.25
155	NewFirst National Bank El Campo, Texas	commercial	20.46	20.23	454,161	1.93	62.71
156	First American Bank Artesia, N.M.	commercial	20.35	23.05	732,255	1.79	63.99
157	Bank of Mauston Wis.	commercial	20.34	22.64	235,575	2.21	45.85
158	Northern Hancock Bank and Trust Co. Newell, W.Va.	commercial	20.31	15.91	31,562	2.13	61.70
159	Horizon Bank Waverly, Neb.	commercial	20.29	16.80	197,517	2.04	39.36
160	Security Bank of Southwest Missouri Cassville	commercial	20.13	20.35	71,246	1.97	58.67
161	Texas National Bank of Jacksonville	commercial	20.11	17.22	308,492	1.72	40.40
162	BlackRidgeBANK Fargo, N.D.	commercial	20.09	6.00	348,257	1.68	60.62
163	Oak Creek Valley Bank Valparaiso, Neb.	commercial	20.08	17.02	63,624	2.33	42.34
164	American Bank Center Dickinson, N.D.	commercial	20.02	15.01	896,529	1.84	59.60
165	Citizens State Bank Corrigan, Texas	commercial	19.90	20.38	105,704	2.14	56.27
	Kansas State Bank of Manhattan	commercial	19.90	17.65	798,484	1.86	43.50
167	American State Bank Osceola, Iowa	commercial	19.83	19.86	137,467	1.61	60.18
168	Chesapeake Bank and Trust Co. Chestertown, Md.	commercial	19.82	16.68	92,144	2.12	52.60
169	McClave State Bank Colo.	commercial	19.80	2.53	22,661	1.83	77.43
170	Jersey Shore State Bank Williamsport, Pa.	commercial	19.79	19.02	753,288	1.67	49.70
	Savings Bank Primghar, Iowa	commercial	19.79	19.81	127,019	1.64	46.21
172	Western Bank Artesia, N.M.	commercial	19.74	19.49	149,918	1.95	50.91
173	City Savings Bank and Trust Co. De Ridder, La.	commercial	19.73	19.62	217,286	2.30	58.94
174	First Whitney Bank and Trust Atlantic, Iowa	commercial	19.66	20.82	166,354	2.22	34.28
	Farmers State Bank Waterloo, Iowa	commercial	19.66	18.46	374,642	1.53	53.91
176	Jonesburg State Bank Mo.	commercial	19.63	18.53	64,878	1.64	64.33
177	First State Bank Armour, S.D.	commercial	19.61	23.10	101,354	1.50	64.75
178	Delta Bank Vidalia, La.	commercial	19.55	22.05	222,048	1.66	62.76
179	Security First Bank of North Dakota New Salem	commercial	19.54	18.81	140,532	1.97	56.31
	Caldwell Bank and Trust Co. Columbia, La.	commercial	19.54	18.93	97,524	1.94	63.36
181	Shelby Savings Bank SSB Center, Texas	savings	19.50	18.93	258,567	2.02	56.01
	Southwest Bank Odessa, Texas	commercial	19.50	16.20	221,115	1.63	67.58
183	Republic Bank and Trust Norman, Okla.	commercial	19.40	17.50	413,191	1.75	66.55
184	First Security Bank of Roundup Mont.	commercial	19.39	8.45	49,007	1.99	59.36
185	American National Bank-Fox Cities Appleton, Wis.	commercial	19.31	13.93	258,108	2.19	34.76
	First State Bank of DeQueen Ark.	commercial	19.31	12.05	179,690	1.50	59.65
187	International Bank of Chicago	commercial	19.29	7.85	289,172	2.15	33.27
188	Amerasia Bank Flushing, N.Y.	commercial	19.26	15.70	268,299	1.83	38.37
189	First Bank Burkburnett, Texas	commercial	19.25	20.15	253,956	1.77	63.03
190	First Option Bank Osawatomie, Kan.	commercial	19.24	13.04	223,134	1.64	62.31
191	Phelps County Bank Rolla, Mo.	commercial	19.20	21.42	298,408	1.54	64.61
192	Charter West National Bank West Point, Neb.	commercial	19.19	17.10	180,540	1.91	67.31
193	Commercial Capital Bank Delhi, La.	commercial	19.18	19.82	49,527	2.15	59.58
	State Bank of Hawley Minn.	commercial	19.18	19.28	90,619	1.84	60.58
195	Table Rock Community Bank Kimberling City, Mo.	commercial	19.13	9.28	48,186	1.43	60.23
196	Farmers and Merchants Bank of Mound City Kan.	commercial	19.10	16.85	35,724	1.38	69.19
197	Ouachita Independent Bank Monroe, La.	commercial	19.09	21.40	567,658	1.85	60.34
	State Bank of Southwest Missouri Springfield	commercial	19.09	18.95	87,951	1.45	67.03
199	Crescent Bank and Trust New Orleans	commercial	19.08	15.49	624,475	2.23	69.24
200	Gateway Bank Mendota Heights, Minn.	commercial	19.05	16.97	95,059	1.81	55.90

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 March 23, 2012. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial