Community Banks with the Highest Returns on Average Equity

July 18, 2012, 3:31 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityOn March 31, 2012. Dollars in thousands. Published July 18, 2012
Rank		Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank		Type of institution	1Q 2012	1Q 2011	Total assets	Return on average assets	Efficiency ratio
1	International Bank of Chicago	commercial	143.61%	19.95%	$481,348	17.49%	13.73%
2	Citizens Bank and Trust Co. Eastman, Ga.	commercial	100.64	-0.37	149,175	5.56	97.10
3	Open Bank Los Angeles	commercial	79.33	9.33	143,300	12.34	74.81
4	Sunrise Bank Cocoa Beach, Fla.	commercial	74.65	-86.17	101,005	4.20	99.60
5	Banks of Wisconsin Kenosha	commercial	72.67	-69.08	160,933	3.11	98.63
6	Mountain National Bank Sevierville, Tenn.	commercial	63.50	-27.61	514,442	1.35	88.68
7	First Community Bank of the Ozarks Branson, Mo.	commercial	60.92	-25.04	101,961	4.04	44.08
8	Merchants Bank of Indiana Lynn	commercial	56.15	47.24	725,544	5.64	21.01
9	Guardian Savings Bank FSB West Chester, Ohio	savings	55.53	50.94	790,457	4.47	34.69
10	Gary State Bank Minn.	commercial	42.08	9.50	12,057	5.57	74.32
11	Main Street Bank Bingham Farms, Mich.	commercial	41.88	2.18	113,020	3.23	72.23
12	HomeTown Bank Roanoke, Va.	commercial	41.78	3.79	361,785	3.70	73.62
13	Live Oak Banking Co. Wilmington, N.C.	commercial	39.17	83.03	284,632	4.64	60.67
14	Charter Bank Corpus Christi, Texas	commercial	38.86	31.60	233,147	3.16	48.57
15	CapStar Bank Nashville, Tenn.	commercial	36.70	2.46	792,571	3.87	64.65
16	First National Bank of Central Texas Waco	commercial	36.11	20.93	623,069	3.01	47.39
17	Peoples State Bank McDonald, Kan.	commercial	36.09	21.44	113,531	3.20	49.25
18	State Bank of Geneva Ill.	commercial	35.25	7.58	87,133	2.03	88.91
19	Capital Bank Rockville, Md.	commercial	34.49	10.40	368,352	2.75	46.81
20	Citizens State Bank of La Crosse Wis.	commercial	34.47	30.26	109,506	2.88	46.65
21	Riverside Bank Sparkman, Ark.	commercial	34.34	25.68	56,271	3.05	44.66
22	American Bank of the North Nashwauk, Minn.	commercial	34.11	18.00	627,161	2.14	77.33
23	Continental Bank Salt Lake City	commercial	34.09	39.93	108,985	8.75	27.92
24	Bellevue State Bank Iowa	commercial	33.92	17.43	81,112	3.80	34.70
	First State Bank of Forrest Ill.	commercial	33.92	24.98	128,412	3.37	37.41
26	First Financial Bank El Dorado, Ark.	commercial	33.57	33.73	799,722	3.12	51.61
27	Community Bank Longview, Texas	commercial	33.52	31.04	153,910	2.42	45.99
28	Bank of Hydro Okla.	commercial	33.34	31.89	116,079	2.73	39.04
29	Bank of Commerce Chouteau, Okla.	commercial	33.15	-11.31	32,603	3.04	73.96
30	First State Bank Barboursville, W.Va.	commercial	33.07	16.26	302,418	2.52	54.27
31	Crescent Bank and Trust New Orleans	commercial	32.98	17.18	679,781	3.66	57.93
32	Bank 7 Oklahoma City	commercial	32.85	269.10	227,039	3.22	47.27
33	Lyons State Bank Kan.	commercial	32.69	10.51	89,872	3.30	59.28
34	Horizon Bank SSB Austin	savings	32.28	23.88	307,789	3.31	62.60
35	Farmers Bank Carnegie, Okla.	commercial	32.06	28.96	53,036	3.00	45.75
36	Enterprise Bank of Florida North Palm Beach	commercial	31.82	2.64	253,514	4.16	40.05
37	FirstBank Antlers, Okla.	commercial	31.79	31.26	231,017	2.58	64.29
38	Northside Bank Adairsville, Ga.	commercial	31.78	-7.79	129,376	1.05	78.59
39	Monterey County Bank Monterey, Calif.	commercial	31.68	-21.99	239,112	2.00	76.64
40	Citizens State Bank Okemah, Okla.	commercial	31.59	27.42	166,104	2.55	36.33
41	Luana Savings Bank Iowa	commercial	31.53	23.32	469,145	3.06	26.20
42	PrinsBank Prinsburg, Minn.	commercial	31.30	35.14	109,756	2.78	47.64
43	Morris State Bank Okla.	commercial	30.41	26.37	65,513	2.67	52.37
44	Goodfield State Bank Ill.	commercial	30.40	24.79	69,635	4.02	35.42
45	Dakota Community Bank and Trust Hebron, N.D.	commercial	30.30	18.65	592,515	2.21	49.08
46	State Bank of New Richland Minn.	commercial	30.03	29.15	93,121	2.87	35.62
47	Ultima Bank Minnesota Winger	commercial	29.52	18.48	129,056	2.61	51.75
48	Choice Bank Oshkosh, Wis.	commercial	29.48	13.54	180,865	2.74	40.26
49	West Town Savings Bank Cicero, Ill.	savings	29.27	-8.10	127,580	2.45	80.13
50	Security State Bank Sutherland, Iowa	commercial	29.22	26.65	83,022	2.51	40.41
51	First American Bank Stonewall, Okla.	commercial	28.77	26.66	25,539	3.07	53.11
52	Caldwell Bank and Trust Co. Columbia, La.	commercial	28.61	20.94	100,985	2.66	68.83
53	Bank of Union El Reno, Okla.	commercial	28.59	26.29	402,377	2.73	30.77
54	Prime Bank Edmond, Okla.	commercial	28.54	27.45	154,004	2.78	43.17
55	Choice Financial Group Grafton, N.D.	commercial	28.53	5.42	595,081	2.86	42.70
56	Farmers State Bank Waterloo, Iowa	commercial	28.52	21.26	392,797	2.34	50.39
57	Great Plains National Bank Elk City, Okla.	commercial	28.44	27.06	408,761	2.59	58.30
58	Security First National Bank of Hugo Okla.	commercial	28.41	25.29	102,746	2.23	46.86
59	EvaBank Cullman, Ala.	commercial	28.35	2.69	353,393	2.03	41.69
60	Regional Missouri Bank Marceline	commercial	28.29	15.99	135,794	2.54	40.56
61	CFG Community Bank Baltimore	commercial	28.27	68.80	420,769	3.62	61.72
62	First State Bank Danville, Va.	commercial	28.03	7.44	37,786	1.11	97.79
63	First State Bank Boise City, Okla.	commercial	28.00	-10.19	53,871	2.35	52.34
64	ACB Bank Cherokee, Okla.	commercial	27.80	15.90	68,851	2.61	51.65
65	Security Bank and Trust Co. Paris, Tenn.	commercial	27.68	28.29	168,560	2.58	39.31
66	First State Bank Ida Grove, Iowa	commercial	27.57	23.00	137,637	2.62	40.69
67	State Bank in Eden Valley Minn.	commercial	27.31	8.75	27,770	2.93	63.54
68	Premier Bank Rock Valley, Iowa	commercial	27.02	25.41	243,884	3.02	30.99
69	United Community Bank of North Dakota Leeds	commercial	27.01	28.22	246,149	2.38	38.20
70	Community Bank Mankato Vernon Center, Minn.	commercial	26.88	19.86	192,256	2.05	52.67
71	Mid America Bank and Trust Co. Dixon, Mo.	commercial	26.74	9.20	132,110	3.02	53.91
72	Peoples Bank and Trust Pana, Ill.	commercial	26.69	21.16	280,136	2.85	47.37
73	American Interstate Bank Elkhorn, Neb.	commercial	26.68	26.14	111,417	2.22	40.12
74	Farmers and Merchants State Bank Plankinton, S.D.	commercial	26.65	29.36	81,226	2.47	40.40
75	First National Bank Fabens, Texas	commercial	26.49	29.76	325,848	2.32	55.63
76	Bank of Baker Mont.	commercial	26.28	27.19	130,525	2.25	38.65
	Campbell County Bank Herreid, S.D.	commercial	26.28	14.55	103,961	3.33	47.84
78	Tri Valley Bank Talmage, Neb.	commercial	26.25	11.59	33,289	2.06	38.54
79	Guernsey Bank Worthington, Ohio	commercial	26.17	8.34	128,545	2.15	73.94
	Texas Champion Bank Corpus Christi	commercial	26.17	7.59	371,117	2.39	59.96
81	Citizens Progressive Bank Winnsboro, La.	commercial	26.15	11.09	81,767	3.58	59.07
82	Buffalo Ridge Bank Beardsley, Minn.	commercial	26.11	22.31	42,152	2.13	49.36
83	State Bank of Park Rapids Minn.	commercial	26.09	12.37	85,334	2.88	66.16
84	Bank of Camden Tenn.	commercial	26.07	11.92	219,371	4.16	21.57
85	Coleman County State Bank Coleman, Texas	commercial	26.03	16.44	82,123	2.62	52.58
86	Great Plains Bank Eureka, S.D.	commercial	26.00	24.72	95,033	2.37	41.67
87	Independence Bank of Georgia Braselton	commercial	25.96	0.40	123,034	3.70	76.93
88	Fannin Bank Bonham, Texas	commercial	25.87	12.44	67,931	2.16	71.35
89	First State Bank Yukon, Okla.	commercial	25.84	12.21	20,016	2.29	63.66
90	Proficio Bank Cottonwood Heights, Utah	commercial	25.71	-10.61	193,067	1.90	89.65
91	Greer State Bank S.C.	commercial	25.59	0.38	386,716	1.99	77.98
92	Southwest Capital Bank Las Vegas, N.M.	commercial	25.58	25.40	206,474	2.48	46.63
93	Freedom Bank Huntingburg, Ind.	commercial	25.55	12.89	325,595	2.25	38.98
94	Northwoods State Bank Mason City, Iowa	commercial	25.48	24.98	158,052	2.31	47.50
95	Adrian Bank Mo.	commercial	25.40	28.54	124,145	2.26	42.05
	Peoples Bank and Trust Buford, Ga.	commercial	25.40	-24.71	320,100	0.83	89.64
97	Brush Country Bank Freer, Texas	commercial	25.25	25.83	49,121	1.86	58.06
98	Sabine State Bank and Trust Co. Many, La.	commercial	25.24	21.68	698,969	2.15	58.26
99	Bank of Bloomsdale Mo.	commercial	25.14	26.06	199,765	2.59	38.94
100	Peoples State Bank Blair, Okla.	commercial	25.05	22.06	17,173	2.30	64.13
101	RepublicBankAz Phoenix	commercial	25.02	28.72	75,620	2.84	67.56
102	CheckSpring Bank Bronx, N.Y.	commercial	25.01	-9.01	68,208	3.16	65.92
	Grand Marais State Bank Minn.	commercial	25.01	23.78	70,380	2.04	53.13
	Heritage State Bank Lawrenceville, Ill.	commercial	25.01	29.66	74,880	2.39	52.47
105	Corydon State Bank Iowa	commercial	24.92	25.43	83,457	3.77	21.18
106	Bank of Montgomery La.	commercial	24.85	24.85	174,014	2.41	57.82
107	McKenzie County Bank Watford City, N.D.	commercial	24.76	22.52	108,405	1.73	47.59
108	First National Bank of Waseca Minn.	commercial	24.75	14.75	109,164	2.66	55.13
109	Venture Bank Bloomington, Minn.	commercial	24.70	27.67	327,005	2.09	51.42
110	Highlands Independent Bank Sebring, Fla.	commercial	24.66	-1.79	270,363	1.68	84.29
	Waukon State Bank Iowa	commercial	24.66	16.74	222,624	2.41	39.44
112	First Bank of Berne Ind.	commercial	24.60	22.99	515,383	2.36	49.26
113	Henderson State Bank Neb.	commercial	24.50	19.23	153,696	2.28	30.71
114	Lamar Bank and Trust Co. Mo.	commercial	24.49	22.08	128,431	2.31	48.79
	Sound Banking Co. Tacoma, Wash.	commercial	24.49	19.38	52,478	1.97	57.19
116	American Enterprise Bank Buffalo Grove, Ill.	commercial	24.48	-15.26	277,070	1.92	70.12
117	Quail Creek Bank Oklahoma City	commercial	24.41	25.74	472,830	2.40	44.53
118	Cowboy Bank of Texas Maypearl	commercial	24.40	22.80	52,797	2.18	59.58
119	Bank of DeSoto Texas	commercial	24.38	24.48	174,404	2.49	51.67
120	Auburn Banking Co. Ky.	commercial	24.27	24.66	67,383	1.95	55.75
121	Security State Bank Ansley, Neb.	commercial	24.26	15.48	117,185	1.94	64.19
122	Ameristate Bank Atoka, Okla.	commercial	24.22	22.33	193,004	2.17	63.04
123	Tennessee State Bank Pigeon Forge	commercial	24.16	-28.12	759,732	2.08	64.95
124	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	24.04	19.99	361,844	2.80	49.98
125	Community First Bank and Trust Columbia, Tenn.	commercial	24.01	0.07	582,713	1.28	65.15
126	Prairie State Bank and Trust Mount Zion, Ill.	commercial	23.95	21.00	669,049	2.27	52.16
127	Bank of Buffalo Ky.	commercial	23.89	39.79	72,394	2.58	33.53
128	First Bank of Chandler Okla.	commercial	23.87	24.13	80,167	2.42	45.81
129	Bank of Hemet Riverside, Calif.	commercial	23.84	21.59	453,265	2.75	45.79
130	Bank of Commerce Sarasota, Fla.	commercial	23.83	1.55	248,346	0.71	101.13
	First Community Bank Lester Prairie, Minn.	commercial	23.83	14.90	28,112	2.35	73.11
132	The Bank Oberlin, Kan.	commercial	23.74	22.90	207,603	2.36	36.80
133	Union Bank of Blair Wis.	commercial	23.69	20.44	80,585	2.32	43.91
134	American State Bank Sioux Center, Iowa	commercial	23.57	21.00	563,525	2.58	39.86
	Wells Bank of Platte City Mo.	commercial	23.57	31.93	92,694	2.16	47.61
136	Heartland State Bank Redfield, S.D.	commercial	23.55	21.67	71,501	2.30	57.63
137	Brunswick State Bank Neb.	commercial	23.54	27.56	82,757	2.15	46.28
138	Bitterroot Valley Bank Lolo, Mont.	commercial	23.29	17.31	380,250	1.83	38.36
	First State Bank of DeQueen Ark.	commercial	23.29	19.02	185,660	1.89	55.26
	First State Bank of Roscoe S.D.	commercial	23.29	10.48	97,147	2.17	45.53
141	Midwest Bank Detroit Lakes, Minn.	commercial	23.28	23.06	311,724	2.07	51.72
142	Union Bank of Mena Ark.	commercial	23.24	25.38	181,899	2.26	58.96
143	Premier Bank Denver	commercial	23.22	-13.54	53,413	0.76	87.01
	TransPecos Banks Pecos, Texas	commercial	23.22	-6.86	138,850	2.11	76.64
145	Citizens National Bank of Bluffton Ohio	commercial	23.17	21.50	598,328	2.24	60.06
146	Southwest National Bank Wichita, Kan.	commercial	23.16	24.54	444,123	1.87	54.99
147	Lone Star State Bank Texas	commercial	23.10	26.14	38,899	1.83	45.18
148	Farmers and Merchants State Bank of Pierz Minn.	commercial	23.00	14.07	171,951	2.52	46.57
149	Volunteer State Bank Portland, Tenn.	commercial	22.97	7.78	373,947	2.17	68.98
150	Peoples Bank Mendenhall, Miss.	commercial	22.92	21.25	228,962	2.20	50.76
151	Kansas State Bank of Manhattan	commercial	22.91	18.95	791,284	2.17	43.00
	Town and Country Bank of Quincy Ill.	commercial	22.91	22.13	107,596	2.60	52.82
153	Liberty State Bank Powers Lake, N.D.	commercial	22.65	23.27	57,410	2.17	39.41
154	Farmers and Merchants Savings Bank Waukon, Iowa	commercial	22.63	18.74	139,517	2.12	43.79
155	Cache Valley Bank Logan, Utah	commercial	22.58	19.78	481,569	2.51	40.91
156	Benchmark Bank Plano, Texas	commercial	22.56	10.69	358,173	2.73	77.34
157	Clinton State Bank Minn.	commercial	22.55	21.88	68,095	3.01	23.65
158	Lusk State Bank Wyo.	commercial	22.50	21.89	48,956	2.35	50.41
159	Mid-America Bank Baldwin City, Kan.	commercial	22.49	10.59	62,714	2.17	51.67
160	People's Bank of Seneca Mo.	commercial	22.44	11.31	94,810	2.01	44.58
161	Crestmark Bank Troy, Mich.	commercial	22.39	24.05	375,882	2.85	63.64
	Texas Savings Bank SSB Snyder	savings	22.39	-128.83	102,696	1.16	62.33
163	Bank of Grove Okla.	commercial	22.36	23.81	95,220	1.65	51.58
	Farmers State Bank of Adams Minn.	commercial	22.36	22.03	79,132	2.46	40.61
165	Oak Creek Valley Bank Valparaiso, Neb.	commercial	22.34	25.80	65,203	2.74	28.93
166	State Bank of Wynnewood Okla.	commercial	22.33	14.02	71,065	3.15	55.58
167	Citizens State Bank Miles, Texas	commercial	22.28	30.23	78,654	2.03	55.26
168	Exchange Bank Gibbon, Neb.	commercial	22.27	19.23	389,139	2.26	37.99
169	Five Points Bank Grand Island, Neb.	commercial	22.16	21.03	714,833	2.25	46.14
170	Taylor County Bank Campbellsville, Ky.	commercial	22.08	19.98	160,155	2.38	51.61
171	Vintage Bank Waxahachie, Texas	commercial	22.03	9.41	146,623	2.08	61.73
172	University Bank Ann Arbor, Mich.	commercial	22.02	0.29	124,641	1.39	87.38
173	First National Bank George West, Texas	commercial	21.89	18.59	246,714	2.26	50.14
174	Exchange Bank and Trust Co. Perry, Okla.	commercial	21.87	18.32	223,328	2.00	53.22
175	Muncy Bank and Trust Co. Pa.	commercial	21.84	19.43	310,129	2.09	40.97
176	Peoples Community Bank Greenville, Mo.	commercial	21.76	24.50	144,464	3.41	40.03
177	De Witt Bank and Trust Co. Iowa	commercial	21.75	24.64	120,483	2.40	53.84
178	Clear Lake Bank and Trust Co. Iowa	commercial	21.74	19.60	256,635	1.93	52.73
179	Butte State Bank Neb.	commercial	21.71	13.38	43,650	2.23	54.76
180	New Era Bank Fredericktown, Mo.	commercial	21.60	18.07	282,985	2.54	38.30
	Sterling Bank Barron, Wis.	commercial	21.60	19.87	196,406	1.83	53.89
182	First Pryority Bank Pryor, Okla.	commercial	21.56	9.68	115,324	2.31	49.75
183	Red River State Bank Halstad, Minn.	commercial	21.55	17.90	49,102	2.25	46.20
184	First Bank of Newton Kan.	commercial	21.47	14.59	147,611	1.66	58.13
185	First State Bank Watonga, Okla.	commercial	21.45	21.31	55,493	2.14	54.02
186	Federal Savings Bank Overland Park, Kan.	savings	21.42	-11.54	75,325	2.10	81.84
187	Basile State Bank La.	commercial	21.27	23.51	52,407	2.09	63.25
188	First National Bank of Las Animas Colo.	commercial	21.25	18.32	300,637	2.19	46.21
189	Farmers and Merchants State Bank of Cawker City Kan.	commercial	21.21	26.11	15,779	1.73	56.79
190	First State Bank of Brownsboro Texas	commercial	21.17	20.93	97,069	1.89	61.53
191	White Hall Bank Ill.	commercial	21.16	6.46	55,228	1.80	49.85
192	Charter West National Bank West Point, Neb.	commercial	21.13	12.26	189,776	2.09	68.78
193	Century Bank of the Ozarks Gainesville, Mo.	commercial	21.06	20.56	176,350	1.96	59.61
194	Security Bank of Southwest Missouri Cassville	commercial	20.98	18.28	74,032	2.10	54.87
195	Farmers and Merchants Savings Bank Manchester, Iowa	commercial	20.91	16.13	339,764	1.97	50.54
196	Amerasia Bank Flushing, N.Y.	commercial	20.89	13.66	284,168	1.92	38.54
197	Citizens State Bank Corrigan, Texas	commercial	20.86	20.93	108,648	2.22	53.40
198	First National Bank Arcadia, La.	commercial	20.85	17.63	203,228	1.69	68.84
199	Farmers State Bank Algona, Iowa	commercial	20.84	16.93	99,360	1.68	52.43
200	State Savings Bank Creston, Iowa	commercial	20.83	18.19	92,370	1.78	53.10
	Trust Bank Lenox, Ga.	commercial	20.83	10.30	29,871	1.78	70.28

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 June 8, 2012. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial