Community Banks with the Highest Returns on Average Equity

May 22, 2013, 2:47 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityOn Dec. 31, 2012. Dollars in thousands. Published May 22, 2013
Rank	Company	Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank	Company	Type of institution	4Q 2012	4Q 2011	Total assets	Return on average assets	Efficiency ratio
1	Federal Savings Bank Overland Park, Kan.	savings	114.15%	68.48%	$237,816	11.01%	65.11%
2	Live Oak Banking Co. Wilmington, N.C.	commercial	54.43	57.60	337,509	6.19	57.21
3	Merchants Bank of Indiana Lynn	commercial	53.75	27.83	935,580	4.99	20.27
4	Guardian Savings Bank FSB West Chester, Ohio	savings	52.92	36.82	817,138	4.37	32.13
5	Volunteer State Bank Portland, Tenn.	commercial	43.85	14.68	422,965	4.13	62.96
6	Main Street Bank Bingham Farms, Mich.	commercial	42.69	26.91	144,905	3.58	68.37
7	Citizens State Bank of La Crosse Wis.	commercial	39.74	31.86	119,555	3.45	44.60
8	International Bank of Chicago	commercial	38.59	19.29	426,438	4.38	27.90
9	Crescent Bank and Trust New Orleans	commercial	38.33	19.08	773,489	4.21	58.12
10	Proficio Bank Cottonwood Heights, Utah	commercial	38.15	-40.66	209,365	2.92	91.52
11	West Gate Bank Lincoln, Neb.	commercial	37.54	14.30	354,250	4.05	42.02
12	Charter Bank Corpus Christi, Texas	commercial	37.44	35.92	226,984	3.11	48.20
13	First Sound Bank Seattle	commercial	36.23	-120.53	131,367	1.23	89.07
14	First Financial Bank El Dorado, Ark.	commercial	35.12	34.30	821,577	3.41	49.92
15	Benchmark Bank Plano, Texas	commercial	34.39	19.04	366,199	4.25	72.98
16	Bank of Hydro Okla.	commercial	34.02	31.74	123,211	2.59	39.39
17	Northpointe Bank Grand Rapids, Mich.	commercial	33.51	22.89	315,751	2.15	60.38
18	BNC National Bank Glendale, Ariz.	commercial	33.11	9.74	768,613	3.65	61.08
19	Farmers Savings Bank Colesburg, Iowa	commercial	32.58	21.02	166,926	3.11	41.99
20	Prime Bank Edmond, Okla.	commercial	31.87	27.21	167,647	3.06	40.81
21	Goodfield State Bank Ill.	commercial	31.75	26.57	74,936	4.25	37.23
22	Bank of England Ark.	commercial	31.25	17.92	270,671	3.25	79.03
23	Security State Bank Sutherland, Iowa	commercial	31.24	30.22	98,974	2.68	37.14
24	American Founders Bank Inc. Lexington, Ky.	commercial	31.04	-45.91	344,495	1.12	78.52
25	Wells Bank of Platte City Mo.	commercial	31.01	28.91	102,117	2.98	44.67
26	Sunrise Bank Cocoa Beach, Fla.	commercial	30.97	4.31	101,183	2.06	84.19
27	Community Bank Longview, Texas	commercial	30.72	29.13	161,238	2.23	48.83
28	RepublicBankAz Phoenix	commercial	30.13	42.40	81,665	3.62	61.43
29	Riverside Bank Sparkman, Ark.	commercial	30.03	34.34	55,251	2.72	47.70
30	Dakota Community Bank and Trust Hebron, N.D.	commercial	29.94	24.87	672,945	2.25	50.59
31	Bank 7 Oklahoma City	commercial	29.75	81.08	280,935	2.84	49.05
32	Peoples State Bank McDonald, Kan.	commercial	29.69	28.63	131,771	2.60	49.45
33	Great Plains National Bank Elk City, Okla.	commercial	29.52	27.40	437,683	2.74	57.70
34	Citizens State Bank Okemah, Okla.	commercial	29.31	26.84	344,166	2.34	30.27
35	First National Bank Fabens, Texas	commercial	29.22	27.87	317,984	2.66	50.60
36	Bank of Wyandotte Okla.	commercial	29.21	13.50	13,529	2.63	63.65
37	Regional Missouri Bank Marceline	commercial	29.03	18.63	155,264	2.75	41.64
38	Morris State Bank Okla.	commercial	28.94	27.11	66,449	2.54	53.59
39	Points West Community Bank Julesburg, Colo.	commercial	28.93	25.68	201,998	2.95	40.24
40	Peoples State Bank Blair, Okla.	commercial	28.91	20.84	17,704	2.63	61.98
41	United Community Bank of North Dakota Leeds	commercial	28.83	27.51	279,623	2.52	42.03
42	ACB Bank Cherokee, Okla.	commercial	28.33	15.88	76,054	2.71	49.48
43	FirstBank Antlers, Okla.	commercial	28.11	30.24	231,934	2.31	67.31
44	First National Bank of Central Texas Waco	commercial	27.31	22.69	685,685	2.21	51.57
45	Freedom Bank Huntingburg, Ind.	commercial	27.28	10.26	331,719	2.44	37.41
46	Brunswick State Bank Neb.	commercial	26.81	26.13	86,402	2.51	44.86
47	State Bank of New Richland Minn.	commercial	26.69	25.54	97,030	2.59	38.17
48	Continental Bank Salt Lake City	commercial	26.68	44.46	127,977	6.85	30.99
49	Ultima Bank Minnesota Winger	commercial	26.66	24.38	136,605	2.40	52.44
50	Kansas State Bank of Manhattan	commercial	26.55	19.90	962,277	2.48	41.43
51	American Interstate Bank Elkhorn, Neb.	commercial	26.30	27.67	114,948	2.31	40.96
52	Cowboy Bank of Texas Maypearl	commercial	26.27	25.00	55,897	2.36	57.22
53	Farmers and Merchants State Bank Plankinton, S.D.	commercial	26.21	27.37	86,702	2.48	41.76
54	Bank of Baker Mont.	commercial	26.09	26.97	136,931	2.25	41.41
55	Lowry State Bank Minn.	commercial	26.03	27.57	40,715	2.34	48.88
56	First State Bank of Forrest Ill.	commercial	25.96	21.78	130,925	2.66	41.78
57	West Town Savings Bank Cicero, Ill.	savings	25.94	10.78	140,392	2.42	80.46
58	Farmers Exchange Bank Cherokee, Okla.	commercial	25.91	24.85	194,982	2.59	45.54
59	First American Bank Stonewall, Okla.	commercial	25.90	25.84	25,478	2.80	54.25
60	Open Bank Los Angeles	commercial	25.85	8.54	206,142	4.04	65.54
61	Farmers State Bank Waterloo, Iowa	commercial	25.82	19.66	458,915	2.16	50.89
62	First State Bank of Bloomington Ill.	commercial	25.77	1.48	102,458	2.34	68.38
63	First Bank of Berne Ind.	commercial	25.75	24.12	515,043	2.40	45.12
64	Lowell Co-operative Bank Mass.	cooperative	25.65	18.71	208,921	2.28	86.63
65	Fannin Bank Bonham, Texas	commercial	25.52	16.74	74,545	2.18	68.71
66	Buffalo Ridge Bank Beardsley, Minn.	commercial	25.38	21.04	49,153	2.15	50.29
67	Prairie Sun Bank Milan, Minn.	commercial	25.26	8.50	33,209	1.93	77.86
68	Midwest Bank Detroit Lakes, Minn.	commercial	25.25	24.19	328,539	2.29	50.24
69	First Bank of Chandler Okla.	commercial	25.16	21.43	80,936	2.57	43.80
	Quality Bank Page, N.D.	commercial	25.16	-6.88	26,599	2.26	80.66
71	Bank of Milton Wis.	commercial	25.15	17.00	95,327	2.14	54.82
72	First State Bank Yukon, Okla.	commercial	25.07	14.12	21,191	2.14	72.28
73	Heritage State Bank Lawrenceville, Ill.	commercial	25.06	27.49	76,838	2.39	55.82
74	Venture Bank Bloomington, Minn.	commercial	24.90	23.71	362,472	2.15	55.75
75	Almena State Bank Kan.	commercial	24.79	17.46	28,900	1.87	72.37
76	Crockett National Bank San Angelo, Texas	commercial	24.78	22.28	415,441	2.60	65.05
77	Security First National Bank of Hugo Okla.	commercial	24.75	25.08	109,635	2.04	47.39
78	McKenzie County Bank Watford City, N.D.	commercial	24.71	24.39	113,852	1.80	47.17
79	Charter West National Bank West Point, Neb.	commercial	24.66	19.19	192,315	2.47	65.09
80	Peoples National Bank Colorado Springs, Colo.	commercial	24.50	9.74	241,442	2.61	81.76
81	First State Bank Scottsbluff, Neb.	commercial	24.46	22.07	239,932	2.22	46.15
	Guaranty Bank and Trust Co. of Delhi La.	commercial	24.46	22.60	151,243	2.22	54.56
83	Auburn Banking Co. Ky.	commercial	24.36	25.89	68,274	1.93	56.47
	Union National Bank Elgin, Ill.	commercial	24.36	-73.16	356,094	1.55	64.95
85	Liberty State Bank Powers Lake, N.D.	commercial	24.35	24.42	65,029	2.29	38.89
86	Bank of Hemet Riverside, Calif.	commercial	24.33	21.11	449,771	2.88	44.04
87	Southwest Capital Bank Las Vegas, N.M.	commercial	24.31	18.28	204,374	2.37	50.16
88	Security State Bank Ansley, Neb.	commercial	24.21	16.43	126,258	1.98	65.93
89	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	24.20	21.64	401,604	2.78	51.90
90	Tri Valley Bank Talmage, Neb.	commercial	24.18	13.82	37,004	1.88	44.60
91	Crescom Bank Charleston, S.C.	commercial	24.15	-1.90	887,890	2.07	59.51
92	Triumph Savings Bank SSB Dallas	savings	24.04	-7.90	301,183	3.89	66.11
93	Crestmark Bank Troy, Mich.	commercial	23.94	27.00	407,284	2.96	62.01
94	Bank of Buffalo Ky.	commercial	23.93	35.00	72,740	2.60	36.92
95	Shattuck National Bank Okla.	commercial	23.91	16.77	64,041	1.98	64.31
96	Peoples Bank Mendenhall, Miss.	commercial	23.82	25.23	221,316	2.40	49.79
97	Security State Bank Tyndall, S.D.	commercial	23.69	4.01	84,925	2.12	75.68
98	Heartland State Bank Redfield, S.D.	commercial	23.54	24.39	79,168	2.32	57.62
99	Basile State Bank La.	commercial	23.52	20.57	53,347	2.27	59.35
100	Grand Marais State Bank Minn.	commercial	23.50	22.99	79,712	1.88	58.45
101	PrinsBank Prinsburg, Minn.	commercial	23.49	17.19	122,131	2.15	53.11
	Clarkston State Bank Mich.	commercial	23.49	-37.40	123,446	1.83	88.67
103	Nebraska State Bank Oshkosh	commercial	23.42	21.09	49,977	2.26	54.96
104	Five Star Bank Sacramento, Calif.	commercial	23.33	17.27	546,745	2.32	44.30
105	Quail Creek Bank Oklahoma City	commercial	23.29	24.36	533,413	2.25	46.68
106	Citizens State Bank Miles, Texas	commercial	23.27	24.54	80,006	2.33	51.76
107	Premier Bank Rock Valley, Iowa	commercial	23.26	25.13	273,092	2.55	39.27
108	Oxford Bank Mich.	commercial	23.19	39.51	259,868	1.04	80.29
109	Sabine State Bank and Trust Co. Many, La.	commercial	23.18	23.93	704,801	2.10	57.83
110	Exchange Bank Gibbon, Neb.	commercial	23.17	28.83	465,475	2.35	35.00
111	Town and Country Bank of Quincy Ill.	commercial	23.12	18.81	110,600	2.71	52.22
112	Exchange Bank and Trust Co. Perry, Okla.	commercial	23.11	21.30	233,845	2.17	51.57
113	Bank of DeSoto Texas	commercial	23.02	23.85	177,392	2.31	55.06
114	Union Bank of Blair Wis.	commercial	23.00	21.47	83,690	2.26	46.51
115	Horizon Bank SSB Austin	savings	22.99	21.29	343,045	2.21	63.55
116	Farmers and Merchants State Bank of Pierz Minn.	commercial	22.95	23.17	173,874	2.57	48.47
117	Lamar Bank and Trust Co. Mo.	commercial	22.94	23.36	130,779	2.22	50.52
118	Security Bank and Trust Co. Paris, Tenn.	commercial	22.86	28.18	168,970	2.20	46.35
119	TexasBank Brownwood	commercial	22.83	25.27	288,943	3.05	48.22
	Sterling Bank Barron, Wis.	commercial	22.83	21.98	206,914	1.98	51.66
121	Leader Bank Arlington, Mass.	commercial	22.79	13.41	587,570	2.83	39.06
122	Union Bank of Mena Ark.	commercial	22.78	23.71	187,558	2.24	59.36
123	The Bank Oberlin, Kan.	commercial	22.77	22.94	301,508	2.29	37.93
124	Choice Financial Group Grafton, N.D.	commercial	22.76	14.91	651,968	2.38	49.59
125	First National Bank Arcadia, La.	commercial	22.61	21.31	191,952	1.89	67.07
	Southwest National Bank Wichita, Kan.	commercial	22.61	25.24	444,283	1.87	55.55
127	Bank of Montgomery La.	commercial	22.48	40.53	172,933	2.27	62.09
128	Great Plains Bank Eureka, S.D.	commercial	22.47	23.19	94,233	2.13	46.64
129	Bank of Bloomsdale Mo.	commercial	22.39	24.72	194,346	2.40	40.51
130	Farmers and Merchants State Bank of Cawker City Kan.	commercial	22.38	21.36	17,049	1.90	52.95
131	Peoples Community Bank Greenville, Mo.	commercial	22.37	22.98	156,052	3.47	39.90
132	NSB Bank Mason City, Iowa	commercial	22.34	23.37	171,658	2.03	47.96
	Business Bank Minnetonka, Minn.	commercial	22.34	8.73	215,184	1.89	86.20
134	Mississippi River Bank Belle Chasse, La.	commercial	22.33	14.96	153,190	2.64	62.40
135	Peoples Bank Westville, Okla.	commercial	22.22	18.95	51,072	2.60	61.11
136	Corydon State Bank Iowa	commercial	22.21	20.68	88,526	3.40	19.23
137	Lusk State Bank Wyo.	commercial	22.20	35.14	55,112	2.24	51.35
138	American State Bank Sioux Center, Iowa	commercial	22.16	20.80	606,782	2.48	39.61
139	Clear Lake Bank and Trust Co. Iowa	commercial	22.03	20.98	264,628	1.95	55.70
140	Noah Bank Elkins Park, Pa.	commercial	21.98	3.73	228,886	1.75	59.65
141	Great Plains National Bank Belfield, N.D.	commercial	21.94	21.21	187,091	2.02	42.48
142	Fife Commercial Bank Wash.	commercial	21.89	13.99	84,015	2.69	53.21
143	Lone Star State Bank Texas	commercial	21.86	23.66	41,661	1.75	47.00
144	Starion Financial Bismarck, N.D.	commercial	21.83	17.20	978,576	2.00	52.84
145	Missouri Bank and Trust Co. of Kansas City	commercial	21.82	15.35	669,486	1.39	62.62
146	University Bank Ann Arbor, Mich.	commercial	21.80	-4.33	133,605	1.47	80.85
147	Security Bank Tulsa, Okla.	commercial	21.77	13.69	447,336	2.25	30.29
148	NewBank Flushing, N.Y.	commercial	21.72	16.46	157,664	2.47	44.25
149	First State Bank Louise, Texas	commercial	21.70	22.50	319,279	1.99	60.13
150	Luana Savings Bank Iowa	commercial	21.63	16.78	510,019	2.14	37.79
	Texas Star Bank SSB Lott	savings	21.63	7.98	95,118	1.74	55.21
152	Prairie State Bank and Trust Mount Zion, Ill.	commercial	21.61	23.65	696,033	2.04	52.50
153	Bank Northwest Hamilton, Mo.	commercial	21.58	25.32	104,998	1.96	52.15
154	NewFirst National Bank El Campo, Texas	commercial	21.56	20.46	505,882	2.15	58.10
155	Citizens National Bank of Bluffton Ohio	commercial	21.53	20.57	668,083	2.04	57.45
156	Park Midway Bank St. Paul, Minn.	commercial	21.44	8.15	259,118	2.01	57.72
157	Verity Bank Winder, Ga.	commercial	21.33	0.91	172,433	2.26	69.26
158	HNB National Bank Hannibal, Mo.	commercial	21.31	18.68	404,232	2.31	52.10
159	Coleman County State Bank Coleman, Texas	commercial	21.30	18.25	93,971	2.10	59.98
160	Bank of the Wichitas Snyder, Okla.	commercial	21.26	17.59	120,275	1.83	62.07
161	Capital Bank Rockville, Md.	commercial	21.25	23.05	436,335	1.71	62.69
162	EvaBank Cullman, Ala.	commercial	21.23	9.20	340,410	1.71	48.47
163	First National Bank George West, Texas	commercial	21.18	21.47	267,895	2.22	52.24
164	Access National Bank Reston, Va.	commercial	21.09	15.59	862,757	2.24	63.83
165	Bank of Commerce Chouteau, Okla.	commercial	20.98	15.01	35,310	1.85	73.13
166	Wyoming Bank and Trust Cheyenne	commercial	20.96	12.25	139,364	1.98	81.97
167	Vintage Bank Waxahachie, Texas	commercial	20.95	13.66	154,953	2.04	60.73
168	Peoples State Bank Summit, S.D.	commercial	20.93	20.78	55,532	2.35	41.41
169	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	20.89	23.40	164,596	2.06	56.85
	Horizon Bank Waverly, Neb.	commercial	20.89	20.29	201,974	2.28	37.58
171	Jonesburg State Bank Mo.	commercial	20.88	19.63	69,357	1.75	61.90
172	State Bank of Southwest Missouri Springfield	commercial	20.86	19.09	93,901	1.52	64.68
	Century Bank of the Ozarks Gainesville, Mo.	commercial	20.86	20.71	174,879	1.92	60.06
174	Security First Bank of North Dakota New Salem	commercial	20.83	19.54	162,316	2.17	56.43
175	Woodland Bank Deer River, Minn.	commercial	20.75	6.83	65,844	2.34	56.55
176	First State Bank of DeQueen Ark.	commercial	20.70	19.31	187,973	1.74	57.63
	Taylor County Bank Campbellsville, Ky.	commercial	20.70	20.95	164,441	2.30	49.80
178	Security Bank of Southwest Missouri Cassville	commercial	20.69	20.13	75,702	2.09	54.73
179	Citizens Bank Amsterdam, Mo.	commercial	20.64	13.53	52,782	1.54	71.62
180	First Bank Burkburnett, Texas	commercial	20.61	19.25	260,817	1.99	65.06
181	Savings Bank Primghar, Iowa	commercial	20.59	19.79	142,906	1.71	43.22
182	Ameristate Bank Atoka, Okla.	commercial	20.54	11.89	191,715	1.93	65.92
183	First United Bank Park River, N.D.	commercial	20.50	16.94	175,650	1.66	52.93
184	Farmers State Bank of Adams Minn.	commercial	20.49	18.67	84,102	2.33	43.84
185	Biscayne Bank Coconut Grove, Fla.	commercial	20.46	5.66	260,547	1.71	48.90
186	First Whitney Bank and Trust Atlantic, Iowa	commercial	20.42	19.66	183,978	2.17	33.60
187	Coastal Commerce Bank Houma, La.	commercial	20.38	17.34	368,570	1.74	56.93
188	Eitzen State Bank Caledonia, Minn.	commercial	20.24	17.13	85,542	1.82	47.65
	Marion County State Bank Pella, Iowa	commercial	20.24	21.00	263,225	2.40	37.55
190	First State Bank Southwest Pipestone, Minn.	commercial	20.22	15.67	238,416	2.21	52.06
191	State Bank of Bellingham Minn.	commercial	20.20	4.67	37,303	1.58	43.26
192	Spring Bank Bronx, N.Y.	commercial	20.19	11.57	88,857	2.48	65.21
193	Anchor D Bank Texhoma, Okla.	commercial	20.18	13.75	175,217	2.05	64.29
194	Gary State Bank Minn.	commercial	20.02	10.48	12,002	2.82	69.03
195	New Era Bank Fredericktown, Mo.	commercial	20.01	18.76	267,676	2.45	40.73
196	Waggoner National Bank of Vernon Texas	commercial	19.99	15.45	258,788	2.83	43.22
197	First Community Bank Corpus Christi, Texas	commercial	19.95	14.98	342,288	1.72	67.45
198	American Bank and Trust Co. Inc. Bowling Green, Ky.	commercial	19.94	16.95	245,025	1.87	57.20
	Bank of Commerce Duncan, Okla.	commercial	19.94	14.81	151,828	2.26	48.93
200	First Community Bank of Central Alabama Wetumpka	commercial	19.87	18.68	294,356	1.73	52.19

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 8, 2013. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial