Community Banks with the Highest Returns on Average Equity

View Table
Printer Friendly Version
Community Banks with the Highest Returns on Average Equity

Community Banks with the Highest Returns on Average EquityOn Sept. 30, 2012. Dollars in thousands.
Published February 27, 2013

Rank Type of
institution
Return on average equity Total
assets
Return on
average assets
Efficiency
ratio
3Q 2012 3Q 2011
1 State Bank of Blue Mound Ill. commercial 213.97% 0.48% $34,308 11.28% 29.17%
2 Federal Savings Bank Overland Park, Kan. savings 135.29 55.76 214,569 12.92 67.26
3 First Sound Bank Seattle commercial 118.35 -374.44 135,351 4.26 62.89
4 BNC National Bank Glendale, Ariz. commercial 63.42 13.27 739,686 7.37 53.94
5 Main Street Bank Bingham Farms, Mich. commercial 56.23 30.50 133,417 5.03 66.22
6 West Gate Bank Lincoln, Neb. commercial 55.80 10.30 331,637 6.07 31.17
7 Bank of Milton Wis. commercial 54.63 17.86 93,724 4.28 37.44
8 Regional Missouri Bank Marceline commercial 54.06 20.35 152,241 5.13 27.54
9 Benchmark Bank Plano, Texas commercial 53.37 24.56 361,861 6.61 62.81
10 Triumph Savings Bank SSB Dallas savings 49.33 -11.09 285,924 8.51 85.64
11 Volunteer State Bank Portland, Tenn. commercial 49.00 19.33 405,915 4.39 61.73
12 Fidelity Bank of Florida Merritt Island commercial 48.96 2.08 321,630 2.17 75.22
13 Guardian Savings Bank FSB West Chester, Ohio savings 48.55 33.91 803,940 3.97 34.97
14 Proficio Bank Cottonwood Heights, Utah commercial 45.74 -114.12 304,162 3.30 90.65
15 Wells Bank of Platte City Mo. commercial 44.75 27.68 95,458 4.43 44.97
16 Texas Savings Bank SSB Snyder savings 44.12 3.80 88,765 2.18 83.33
17 First Citizens Bank of Georgia Dawsonville commercial 43.03 2.49 93,300 1.48 74.65
18 ACB Bank Cherokee, Okla. commercial 42.84 25.57 71,567 4.13 42.93
19 HomeStar Bank and Financial Services Manteno, Ill. commercial 42.62 22.07 355,064 1.78 67.91
20 Citizens State Bank of La Crosse Wis. commercial 42.35 42.19 119,223 3.67 42.66
21 Live Oak Banking Co. Wilmington, N.C. commercial 42.14 54.38 320,748 4.73 62.41
22 RepublicBankAz Phoenix commercial 41.97 21.73 78,146 5.02 55.30
23 Focus Business Bank San Jose, Calif. commercial 41.76 3.60 189,612 5.68 81.87
24 Bank of England Ark. commercial 41.73 24.44 279,069 4.42 75.01
25 First State Bank Yukon, Okla. commercial 37.81 17.25 21,122 3.20 64.45
26 Iowa State Savings Bank Knoxville commercial 37.75 -7.34 110,647 3.27 44.35
27 Crescent Bank and Trust New Orleans commercial 37.52 18.45 737,072 4.08 58.38
28 United Community Bank of North Dakota Leeds commercial 37.30 29.98 268,917 3.19 33.88
29 First Financial Bank El Dorado, Ark. commercial 37.00 38.13 811,955 3.66 48.27
30 Anchor D Bank Texhoma, Okla. commercial 36.96 19.78 171,408 3.86 57.53
31 Ameristate Bank Atoka, Okla. commercial 36.77 5.71 190,042 3.57 49.62
32 Charter Bank Corpus Christi, Texas commercial 36.57 36.04 228,782 3.15 47.25
33 1st Security Bank of Washington Mountlake Terrace savings 35.15 3.44 341,201 3.89 69.34
34 Prime Bank Edmond, Okla. commercial 34.76 28.73 161,337 3.23 39.19
35 Prairie Sun Bank Milan, Minn. commercial 34.62 18.13 32,156 2.57 80.97
36 Bank 7 Oklahoma City commercial 34.58 55.86 251,402 3.29 42.69
37 First National Bank of Volga S.D. commercial 33.94 3.84 45,449 3.66 40.37
38 Trust Company Bank Mason, Tenn. commercial 33.38 -30.25 35,872 4.09 79.95
39 Security State Bank Sutherland, Iowa commercial 32.97 30.63 90,030 2.79 35.39
40 Great Plains National Bank Elk City, Okla. commercial 32.76 30.16 425,920 3.03 54.28
41 Bank of Baker Mont. commercial 32.73 31.77 127,553 2.84 34.63
42 Goodfield State Bank Ill. commercial 32.65 33.80 74,302 4.27 37.13
43 Bank of Hydro Okla. commercial 32.43 30.84 129,142 2.32 40.78
44 Bank of Commerce Duncan, Okla. commercial 32.40 -1.08 153,854 3.70 30.59
45 Cowboy Bank of Texas Maypearl commercial 32.30 27.91 55,209 2.92 51.74
West Town Savings Bank Cicero, Ill. savings 32.30 9.76 134,313 3.07 75.02
47 Bank of Union El Reno, Okla. commercial 32.20 24.22 409,379 3.15 32.25
48 Community Bank Longview, Texas commercial 32.17 30.16 153,677 2.35 46.39
49 Lowry State Bank Minn. commercial 31.71 32.68 40,992 2.83 45.71
50 Citizens State Bank Okemah, Okla. commercial 31.42 23.34 327,425 3.29 25.66
First State Bank Barboursville, W.Va. commercial 31.42 15.50 308,193 2.49 41.38
52 Sweet Water State Bank Ala. commercial 31.34 13.58 85,414 3.11 69.27
53 Grant County State Bank Carson, N.D. commercial 31.19 18.29 34,053 3.07 40.00
54 Points West Community Bank Julesburg, Colo. commercial 31.14 50.43 195,427 3.28 35.75
55 Nebraska State Bank Oshkosh commercial 31.08 21.07 49,358 2.78 44.83
56 American Trust Bank of East Tennessee Knoxville commercial 31.02 5.37 128,307 3.38 72.93
57 Brunswick State Bank Neb. commercial 30.82 29.47 81,593 2.98 39.63
58 Firstar Bank Sallisaw, Okla. commercial 30.80 15.64 404,491 3.11 67.46
59 Crescom Bank Charleston, S.C. commercial 30.66 18.75 840,297 2.65 50.96
60 Heritage State Bank Lawrenceville, Ill. commercial 30.48 30.86 76,413 2.87 47.16
61 First Federal Savings Bank of Boston savings 30.10 -1.41 82,825 5.04 79.71
62 Riverside Bank Sparkman, Ark. commercial 29.90 40.22 56,904 2.71 46.73
63 First National Bank Fabens, Texas commercial 29.75 26.04 313,213 2.77 50.00
64 FirstBank Antlers, Okla. commercial 29.68 28.78 227,808 2.48 67.33
65 University Bank Ann Arbor, Mich. commercial 29.58 -46.37 129,610 2.00 78.42
66 Leader Bank Arlington, Mass. commercial 29.52 6.44 589,833 3.57 30.43
67 First Western Federal Savings Bank Rapid City, S.D. savings 29.37 23.92 36,852 4.75 47.29
68 Peoples State Bank Blair, Okla. commercial 29.26 23.90 17,763 2.73 58.16
69 Morris State Bank Okla. commercial 29.09 30.62 66,649 2.56 53.11
70 First Bank of Berne Ind. commercial 29.04 26.76 522,588 2.68 45.02
71 Xenith Bank Richmond, Va. commercial 28.73 38.33 557,215 4.46 72.11
72 Freedom Bank Huntingburg, Ind. commercial 28.66 15.79 327,429 2.58 36.07
73 Almena State Bank Kan. commercial 28.59 26.44 27,617 2.19 70.87
74 Union National Bank Elgin, Ill. commercial 28.56 1.18 373,307 1.98 60.99
75 Tri Valley Bank Talmage, Neb. commercial 28.55 15.44 33,765 2.19 39.84
76 Premier Bank Denver commercial 28.46 4.21 46,380 1.21 79.10
77 Pacific Enterprise Bank Irvine, Calif. commercial 28.40 9.91 291,586 3.07 37.59
78 First State Bank Russellville, Ark. commercial 28.39 5.39 188,047 3.30 38.51
79 Northwest Bank Boise, Idaho commercial 28.33 2.29 219,020 6.38 36.28
80 Peoples National Bank Colorado Springs, Colo. commercial 28.18 22.39 222,828 3.03 79.41
81 Clayton Bank and Trust Knoxville, Tenn. commercial 28.07 9.72 716,628 3.72 34.96
Dakota Community Bank and Trust Hebron, N.D. commercial 28.07 29.59 611,296 2.16 50.35
83 Farmers and Merchants State Bank Plankinton, S.D. commercial 28.00 26.79 86,336 2.72 40.61
84 First State Bank Scottsbluff, Neb. commercial 27.90 21.21 228,161 2.47 46.00
85 First Bank of Chandler Okla. commercial 27.67 22.99 80,834 2.84 39.96
86 Great Plains Bank Eureka, S.D. commercial 27.54 31.27 98,928 2.58 37.51
Quail Creek Bank Oklahoma City commercial 27.54 24.33 501,972 2.61 44.43
88 Farmers Savings Bank Colesburg, Iowa commercial 27.49 21.51 163,973 2.59 39.04
89 Park Midway Bank St. Paul, Minn. commercial 27.35 6.49 247,273 3.15 49.97
90 State Bank of New Richland Minn. commercial 27.25 31.06 94,313 2.72 33.86
91 Heritage Bank Jonesboro, Ga. commercial 27.00 9.70 352,119 1.31 83.44
Midwest Bank Detroit Lakes, Minn. commercial 27.00 24.57 315,541 2.47 48.04
93 State Bank Fenton, Mich. commercial 26.80 -3.31 303,330 2.25 81.44
94 American Interstate Bank Elkhorn, Neb. commercial 26.76 29.04 111,327 2.31 40.90
95 Quontic Bank Great Neck, N.Y. savings 26.68 2.20 111,813 3.51 63.25
96 Charter West National Bank West Point, Neb. commercial 26.59 23.97 196,022 2.70 61.72
97 Grand Marais State Bank Minn. commercial 26.53 24.39 82,932 2.07 55.29
98 Citizens State Bank of Waverly Minn. commercial 26.42 18.50 60,563 2.56 50.85
99 PrinsBank Prinsburg, Minn. commercial 26.38 13.60 109,942 2.45 51.13
100 St. Martin Bank and Trust Co. St. Martinville, La. commercial 26.33 23.50 377,072 3.08 47.41
101 Vermont State Bank Ill. commercial 26.25 11.39 15,650 2.68 56.72
102 North Shore Bank of Commerce Duluth, Minn. commercial 26.23 17.58 232,847 1.61 73.79
103 Bank of Glen Ullin N.D. commercial 26.09 22.52 46,613 2.98 35.83
104 McHenry Savings Bank Ill. savings 26.00 -7.89 252,807 0.95 80.27
105 Farmers and Merchants State Bank of Pierz Minn. commercial 25.94 26.83 167,522 2.93 47.66
106 Crestmark Bank Troy, Mich. commercial 25.57 27.55 407,097 3.09 60.37
107 Ultima Bank Minnesota Winger commercial 25.48 26.16 132,279 2.34 51.98
108 Peoples State Bank McDonald, Kan. commercial 25.34 32.57 126,195 2.20 47.76
109 Buffalo Ridge Bank Beardsley, Minn. commercial 25.33 27.49 45,424 2.12 49.68
110 Sterling Bank Barron, Wis. commercial 25.26 25.17 198,111 2.23 47.89
111 TexasBank Brownwood commercial 25.15 25.70 286,468 3.45 49.06
112 Exchange Bank and Trust Co. Perry, Okla. commercial 25.14 21.25 225,622 2.40 49.64
Five Star Bank Sacramento, Calif. commercial 25.14 19.06 523,220 2.49 44.08
114 Farmers State Bank Carroll, Neb. commercial 25.03 11.42 23,727 2.02 52.31
115 Crockett National Bank San Angelo, Texas commercial 25.00 18.06 424,769 2.38 66.26
116 Heartland Bank St. Louis savings 24.97 -20.96 889,172 2.17 57.92
117 Business Bank Minnetonka, Minn. commercial 24.87 11.88 228,642 1.97 85.70
118 Security First Bank of North Dakota New Salem commercial 24.83 20.84 156,246 2.57 50.18
119 Goldwater Bank Scottsdale, Ariz. commercial 24.80 -14.16 137,420 1.00 93.45
120 Sound Banking Co. Tacoma, Wash. commercial 24.78 6.00 50,582 2.28 54.53
121 Bank of Hemet Riverside, Calif. commercial 24.76 20.87 447,090 2.97 42.88
122 Ericson State Bank Neb. commercial 24.62 21.32 54,475 2.30 40.67
123 Auburn Banking Co. Ky. commercial 24.52 28.65 67,116 1.93 57.11
124 Peoples Bank Lawrence, Kan. commercial 24.51 6.77 441,436 2.00 85.70
125 Security Bank and Trust Co. Paris, Tenn. commercial 24.50 45.33 163,734 2.39 41.02
State Savings Bank Creston, Iowa commercial 24.50 23.15 88,986 2.21 47.77
127 Coastal Commerce Bank Houma, La. commercial 24.48 12.81 354,267 2.11 54.69
128 Provincial Bank Lakeville, Minn. commercial 24.47 16.00 70,452 2.73 65.76
129 Kansas State Bank of Manhattan commercial 24.44 23.24 891,020 2.23 41.66
130 Luana Savings Bank Iowa commercial 24.41 22.40 478,455 2.47 31.94
131 Fannin Bank Bonham, Texas commercial 24.38 21.50 70,437 2.12 68.31
132 NewFirst National Bank El Campo, Texas commercial 24.29 20.82 480,532 2.47 53.32
133 Victory Community Bank Lakeside Park, Ky. savings 24.27 14.84 156,965 3.24 43.11
134 First State Bank of Forrest Ill. commercial 24.24 22.87 126,610 2.51 42.56
135 Adams County Bank Kenesaw, Neb. commercial 24.22 15.18 143,319 1.85 39.90
136 Bank of DeSoto Texas commercial 24.14 23.02 178,869 2.39 51.93
Liberty State Bank Powers Lake, N.D. commercial 24.14 26.94 62,156 2.23 42.77
138 Farmers and Merchants Bank of Kendall Wis. commercial 24.10 28.00 53,469 3.13 41.62
139 State Bank of Bellingham Minn. commercial 24.09 15.82 35,113 1.93 39.12
140 First Bank Texas SSB Baird savings 24.02 9.67 363,050 1.76 66.32
141 First National Bank Arcadia, La. commercial 24.00 24.85 195,906 2.04 65.75
State Bank of Texas Dallas commercial 24.00 7.33 501,667 4.40 25.57
143 Guaranty Bank and Trust Co. of Delhi La. commercial 23.93 23.88 158,059 2.12 55.19
144 Horizon Bank SSB Austin, Texas savings 23.89 20.32 342,448 2.15 60.91
145 Bank of Grove Okla. commercial 23.88 24.19 104,099 1.78 56.42
First National Bank of Waseca Minn. commercial 23.88 19.58 107,382 2.63 56.51
Prairie State Bank and Trust Mount Zion, Ill. commercial 23.88 25.11 676,657 2.27 50.37
148 Continental Bank Salt Lake City commercial 23.84 48.78 106,887 6.43 30.56
149 First Star Bank SSB Bremond, Texas savings 23.82 31.86 287,556 2.12 49.43
First State Bank Mendota, Ill. commercial 23.82 15.44 943,757 2.15 66.46
151 Venture Bank Bloomington, Minn. commercial 23.79 27.31 349,934 2.11 58.06
152 American State Bank Sioux Center, Iowa commercial 23.78 22.10 575,928 2.67 40.40
153 Chickasha Bank and Trust Co. Okla. commercial 23.71 25.18 176,618 2.41 65.96
154 First American Bank Stonewall, Okla. commercial 23.69 26.61 24,992 2.58 54.43
155 Texas Star Bank SSB Lott savings 23.68 11.40 87,948 1.91 51.38
156 Commercial Bank of Mott N.D. commercial 23.58 15.89 86,900 2.22 36.00
157 Crawford County Trust and Savings Bank Denison, Iowa commercial 23.39 20.65 125,804 1.88 51.35
158 State Bank of Colon Neb. commercial 23.34 2.24 16,947 2.94 97.03
159 Great Plains National Bank Belfield, N.D. commercial 23.33 24.68 172,834 2.16 39.90
Shattuck National Bank Okla. commercial 23.33 20.02 64,670 1.97 62.32
161 Choice Financial Group Grafton, N.D. commercial 23.25 18.36 616,146 2.49 47.17
Southwest National Bank Wichita, Kan. commercial 23.25 25.23 449,671 1.93 55.25
163 Starion Financial Bismarck, N.D. commercial 23.19 17.33 960,430 2.14 50.37
164 Enterprise Bank of Florida North Palm Beach commercial 23.16 53.71 259,299 3.20 63.45
165 NBC Oklahoma Oklahoma City commercial 23.15 16.39 513,210 1.91 68.04
166 Georgia Banking Co. Atlanta commercial 23.11 2.00 330,454 1.77 65.05
167 First State Bank Avinger, Texas commercial 23.09 20.10 22,209 1.78 48.92
168 Exchange Bank Gibbon, Neb. commercial 23.06 23.48 440,633 2.34 32.98
Jonesburg State Bank Mo. commercial 23.06 23.40 66,222 1.94 59.17
170 Commercial State Bank of Wagner S.D. commercial 23.04 26.93 129,380 2.65 40.52
Heartland State Bank Redfield, S.D. commercial 23.04 27.14 73,143 2.30 56.29
172 First National Bank of Central Texas Waco commercial 23.01 23.41 689,045 1.85 52.29
173 Lone Star Bank SSB Moulton, Texas savings 22.94 24.11 281,964 1.83 57.04
174 Peoples Community Bank Greenville, Mo. commercial 22.87 23.10 148,547 3.50 39.51
175 Missouri Bank and Trust Co. of Kansas City commercial 22.83 20.07 534,709 1.50 61.37
176 American Bank and Trust Co. Inc. Bowling Green, Ky. commercial 22.76 18.61 240,655 2.15 55.89
Arkansas County Bank DeWitt commercial 22.76 22.51 165,356 2.16 50.20
178 First State Bank of Beecher City Ill. commercial 22.73 18.72 65,489 2.87 45.01
Sabine State Bank and Trust Co. Many, La. commercial 22.73 23.99 699,291 2.16 57.11
180 Union Bank of Mena Ark. commercial 22.70 22.18 179,344 2.24 60.06
181 First Whitney Bank and Trust Atlantic, Iowa commercial 22.69 21.07 172,583 2.39 29.37
182 BankSouth Greensboro, Ga. savings 22.67 11.82 352,674 2.24 65.32
183 CCB Community Bank Andalusia, Ala. commercial 22.66 22.05 421,047 2.47 48.86
Citizens State Bank at Mohall N.D. commercial 22.66 20.65 58,954 1.68 50.93
185 Lone Star State Bank Texas commercial 22.63 23.05 39,657 1.77 45.71
Security State Bank Ansley, Neb. commercial 22.63 18.99 122,057 1.88 67.75
187 HNB National Bank Hannibal, Mo. commercial 22.61 20.77 394,697 2.60 49.18
188 First United Bank Park River, N.D. commercial 22.57 18.75 162,276 1.81 49.73
189 Bank of Bloomsdale Mo. commercial 22.54 23.29 199,173 2.44 40.76
190 Bank of Whitewater Kan. commercial 22.53 8.16 20,855 1.87 58.65
Coleman County State Bank Coleman, Texas commercial 22.53 18.20 87,667 2.25 56.97
Wyoming Bank and Trust Cheyenne commercial 22.53 24.59 132,302 2.23 82.70
193 Bank of Montgomery La. commercial 22.49 33.10 175,272 2.29 58.55
194 The Bank Oberlin, Kan. commercial 22.40 22.75 216,348 2.33 39.00
195 Houston Community Bank commercial 22.39 24.28 262,097 2.24 65.22
196 Citizens State Bank Miles, Texas commercial 22.38 25.55 73,335 2.33 54.12
197 Green Belt Bank and Trust Iowa Falls commercial 22.34 20.76 325,723 2.07 42.11
198 Lamar Bank and Trust Co. Mo. commercial 22.32 24.30 126,006 2.20 50.00
199 Premier Bank of Jacksonville Ill. commercial 22.30 18.80 231,585 1.76 58.03
200 Mainland Bank Texas City, Texas commercial 22.23 27.38 93,228 1.99 64.69

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 Dec. 7, 2012. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2013 American Banker