Community Banks with the Highest Returns on Average Equity

October 24, 2013, 5:39 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityYear to date through June 30, 2013. Dollars in thousands. Published October 24, 2013
Rank	Company	Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank	Company	Type of institution	2Q 2013	2Q 2012	Total assets	Return on average assets	Efficiency ratio
1	Greer State Bank S.C.	commercial	87.36%	17.36%	$368,953	9.01%	72.47%
2	Americana Community Bank Sleepy Eye, Minn.	commercial	82.02	-8.66	122,719	2.44	63.16
3	Almena State Bank Kan.	commercial	69.60	22.72	29,286	5.35	44.64
4	Farmers and Merchants Bank of Kendall Wis.	commercial	69.45	14.31	75,719	7.02	26.17
5	CFG Community Bank Lutherville, Md.	commercial	69.04	3.57	477,778	7.42	38.29
6	Sunrise Bank Cocoa Beach, Fla.	commercial	66.28	15.04	107,113	6.14	114.71
7	First National Bank of the Gulf Coast Naples, Fla.	commercial	60.85	5.03	668,444	6.62	79.38
8	Town & Country Bank Las Vegas	commercial	60.77	-48.57	126,355	7.54	70.38
9	WestSide Bank Hiram, Ga.	commercial	57.04	3.67	119,755	2.87	52.76
10	University Bank Ann Arbor, Mich.	commercial	53.87	46.55	121,804	4.83	74.99
11	SouthCoast Community Bank Mount Pleasant, S.C.	commercial	51.71	6.69	440,785	5.46	83.58
12	First Covenant Bank Commerce, Ga.	commercial	49.68	13.78	171,617	3.06	63.18
13	First Scottsdale Bank Ariz.	commercial	49.36	-8.30	118,631	7.48	39.95
14	PrinsBank Prinsburg, Minn.	commercial	46.41	24.80	116,681	4.53	40.25
15	Iowa State Bank Clarksville	commercial	45.48	20.24	248,451	3.69	-25.70
16	Citizens Bank of Edmond Okla.	commercial	45.02	7.38	260,438	4.04	46.67
17	Helm Bank USA Miami	commercial	43.84	13.77	816,137	4.23	101.57
18	Spring Bank Bronx, N.Y.	commercial	42.01	20.22	86,305	5.03	54.26
19	Brookhaven Bank Atlanta	commercial	41.28	7.10	178,633	4.96	73.94
20	First Savings Bank Northwest Renton, Wash.	savings	40.79	5.54	894,087	7.45	60.45
21	Charter Bank Corpus Christi, Texas	commercial	39.02	38.12	216,659	3.39	47.91
22	Bank of Glen Ullin N.D.	commercial	38.34	21.70	48,292	4.27	25.01
23	Guardian Savings Bank FSB West Chester, Ohio	savings	38.23	48.61	816,341	3.37	40.74
24	Riverside Bank Sparkman, Ark.	commercial	38.12	31.98	57,158	3.49	41.90
25	Georgia Heritage Bank Dallas	commercial	37.40	-29.77	64,291	0.98	81.46
26	United Community Bank of North Dakota Leeds	commercial	37.27	30.59	269,541	3.28	38.48
27	Advantage Bank Cambridge, Ohio	commercial	37.24	5.81	755,914	3.26	94.27
28	Farmers and Merchants State Bank Plankinton, S.D.	commercial	37.03	23.71	85,000	3.76	35.49
29	Bay Bank FSB Lutherville, Md.	savings	36.98	-1.20	470,862	3.83	59.87
30	T Bank Dallas	commercial	36.37	14.70	125,756	5.02	70.20
31	Community Bank Longview, Texas	commercial	36.17	31.40	207,210	2.67	46.58
32	Bank 7 Oklahoma City	commercial	35.25	27.55	305,488	3.24	43.84
33	Village Bank St. Francis, Miss.	commercial	35.18	-49.44	163,376	1.77	67.87
34	Victory Community Bank Fort Mitchell, Ky.	savings	35.13	19.10	158,366	4.41	34.69
35	Mountain 1st Bank & Trust Co. Hendersonville, N.C.	commercial	35.06	7.48	692,085	0.97	76.21
36	1st Century Bank Los Angeles	commercial	34.81	6.89	489,304	3.59	83.72
37	Gwinnett Community Bank Duluth, Ga.	commercial	34.75	-8.57	444,715	1.06	23.51
38	First Community Bank Corpus Christi, Texas	commercial	34.42	20.83	360,289	2.72	57.79
39	Citizens State Bank of La Crosse Wis.	commercial	33.80	40.49	129,823	3.07	47.44
40	Prime Security Bank Karlstad, Minn.	commercial	33.68	-4.18	58,711	2.40	62.19
41	ACB Bank Cherokee, Okla.	commercial	33.40	27.03	80,386	2.92	45.95
42	Bank of Hydro Okla.	commercial	33.36	34.41	118,825	2.76	40.07
43	Republic Bank Bountiful, Utah	commercial	32.95	26.09	559,610	4.31	11.93
44	Heartland State Bank Redfield, S.D.	commercial	32.67	20.84	75,725	3.27	39.59
45	Centrue Bank Streator, Ill.	commercial	32.42	3.20	885,586	2.47	91.67
46	BankSouth Greensboro, Ga.	savings	32.38	15.28	358,992	3.49	74.16
47	First Financial Bank El Dorado, Ark.	commercial	32.29	33.33	836,241	3.32	52.23
48	Wells Bank of Platte City Mo.	commercial	31.93	28.79	103,556	2.95	40.68
49	First State Bank Scottsbluff, Neb.	commercial	31.88	28.29	229,020	2.96	42.94
50	Nebraska State Bank Oshkosh	commercial	31.53	24.01	47,616	2.93	43.00
51	Calusa National Bank Punta Gorda, Fla.	commercial	31.50	8.56	147,497	3.19	81.87
52	NewBank Flushing, N.Y.	commercial	31.48	27.84	176,690	3.77	36.72
53	Liberty State Bank Powers Lake, N.D.	commercial	31.47	24.26	69,609	2.67	30.80
54	Cowboy Bank of Texas Maypearl	commercial	31.24	24.60	54,619	2.79	50.90
55	Commercial National Bank of Texarkana Texas	commercial	31.01	14.64	189,810	2.58	75.02
56	EvaBank Cullman, Ala.	commercial	30.81	22.35	323,159	3.23	35.42
57	Sunrise Banks St. Paul, Minn.	commercial	30.17	24.87	682,652	1.95	73.94
58	McKenzie County Bank Watford City, N.D.	commercial	29.53	28.38	110,682	2.35	47.36
59	First Bank of Chandler Okla.	commercial	29.30	25.75	82,020	2.96	37.91
60	First State Bank Armour, S.D.	commercial	29.29	16.40	100,467	2.13	59.58
61	Town and Country Bank Midwest Quincy, Ill.	commercial	29.28	25.85	151,103	2.79	54.03
62	State Bank of Townsend Mont.	commercial	29.19	8.87	51,889	2.92	54.64
63	First State Bank Yukon, Okla.	commercial	29.13	22.25	21,488	2.38	67.86
64	First National Bank Fabens, Texas	commercial	29.12	27.89	320,569	2.82	49.90
65	Security State Bank Sutherland, Iowa	commercial	29.09	34.60	96,710	2.57	35.98
66	Wyoming Bank & Trust Cheyenne	commercial	29.07	24.85	131,611	2.97	79.16
67	Great Plains National Bank Elk City, Okla.	commercial	29.03	29.34	449,742	2.69	62.24
68	First National Bank Arcadia, La.	commercial	28.73	22.24	198,742	2.40	55.54
69	Capital Bank Rockville, Md.	commercial	28.68	17.92	494,569	2.29	59.35
70	Commercial Capital Bank Delhi, La.	commercial	27.93	27.84	62,164	2.87	47.78
71	State Bank in Eden Valley Minn.	commercial	27.89	21.75	29,447	2.52	54.81
72	Premier Bank Minnesota Hastings	commercial	27.82	3.65	170,906	2.41	73.12
73	HomeStar Bank and Financial Services Manteno, Ill.	commercial	27.68	-19.87	342,761	1.13	72.45
74	Peoples Bank Lebanon, Ky.	commercial	27.60	4.29	51,991	2.52	67.57
75	West Texas National Bank Midland	commercial	27.48	17.09	844,253	2.75	47.12
76	Prime Bank Edmond, Okla.	commercial	27.43	31.58	182,918	2.71	42.72
77	National Bank of Andrews Texas	commercial	27.27	23.22	148,511	2.38	55.67
78	Morris State Bank Okla.	commercial	27.24	30.83	67,109	2.29	53.25
79	Key Community Bank Inver Grove Heights, Minn.	commercial	27.17	-67.89	42,290	1.85	74.19
80	Bank of England England, Ark.	commercial	27.00	32.24	244,717	3.49	82.22
81	Peoples State Bank McDonald, Kan.	commercial	26.94	29.13	131,949	2.32	47.36
82	Crescent Bank & Trust New Orleans	commercial	26.77	52.08	851,569	2.84	55.53
83	Great Plains National Bank Belfield, N.D.	commercial	26.76	24.19	181,750	2.46	40.83
84	Bank of Baker Mont.	commercial	26.74	31.41	134,375	2.28	43.46
85	Liberty Savings Bank FSB St. Cloud, Minn.	savings	26.70	10.09	188,855	2.62	60.59
86	Five Star Bank Rocklin, Calif.	commercial	26.68	21.61	540,886	2.36	39.70
87	First Credit Bank Los Angeles	commercial	26.51	21.09	381,074	10.19	12.03
88	Kansas State Bank of Manhattan	commercial	26.42	23.16	983,785	2.42	44.39
89	Premier Bank Rock Valley, Iowa	commercial	26.40	26.64	278,202	2.92	28.74
	Taylor County Bank Campbellsville, Ky.	commercial	26.40	22.18	163,758	2.90	51.95
91	Southwest State Bank Sentinel, Okla.	commercial	26.33	16.25	102,732	2.41	41.17
92	Century Bank of the Ozarks Gainesville, Mo.	commercial	26.22	20.27	169,677	2.48	50.14
93	Brush Country Bank Freer, Texas	commercial	26.11	22.10	48,123	2.27	53.57
94	Community Bank Mankato Vernon Center, Minn.	commercial	26.05	19.45	198,960	2.05	57.87
95	Crockett National Bank San Angelo, Texas	commercial	25.98	21.54	442,408	2.67	75.32
96	NOA Bank Duluth, Ga.	commercial	25.93	18.84	139,023	3.45	49.04
97	Guaranty Bank & Trust Co. of Delhi La.	commercial	25.86	26.48	151,243	2.29	53.28
98	Treasure State Bank Missoula, Mont.	commercial	25.70	5.26	66,123	2.53	183.88
99	Farmers National Bank of Griggsville Ill.	commercial	25.64	19.40	68,360	2.31	52.15
100	Venture Bank Bloomington, Minn.	commercial	25.56	28.14	375,556	2.22	54.48
101	Freedom Bank Huntingburg, Ind.	commercial	25.46	26.54	333,338	2.42	39.46
102	Peoples Bank Mendenhall, Miss.	commercial	25.39	28.78	226,467	2.49	52.73
103	Bank of Morton Miss.	commercial	25.22	20.14	60,509	3.37	47.62
104	Heritage State Bank Lawrenceville, Ill.	commercial	25.20	29.08	75,663	2.48	51.21
105	Peoples Bank Westville, Okla.	commercial	25.15	26.94	54,066	2.69	50.74
	First Bank & Trust Co. Wagoner, Okla.	commercial	25.15	17.38	253,421	2.56	40.51
107	Highlands Union Bank Abingdon, Va.	commercial	25.05	8.82	599,035	1.62	82.25
108	PlantersFirst Cordele, Ga.	commercial	25.00	10.19	279,852	1.52	68.05
109	Auburn Banking Co. Ky.	commercial	24.91	24.69	69,659	1.78	58.33
110	Community Bank of Raymore Mo.	commercial	24.88	18.93	174,351	2.00	64.24
111	First Bank of Berne Ind.	commercial	24.84	28.28	513,642	2.47	46.59
112	Ultima Bank Minnesota Winger	commercial	24.76	27.24	135,913	2.28	56.57
113	Coastal Commerce Bank Houma, La.	commercial	24.74	17.87	385,293	2.11	52.64
114	Dakota Community Bank & Trust Hebron, N.D.	commercial	24.72	34.54	650,365	1.83	57.90
115	Southwest Capital Bank Las Vegas, N.M.	commercial	24.70	36.99	217,982	2.34	47.76
116	Crescom Bank Charleston, S.C.	commercial	24.69	9.91	877,677	2.53	56.40
	Volunteer State Bank Portland, Tenn.	commercial	24.69	37.16	409,103	2.40	73.82
118	Commercial State Bank of Wagner S.D.	commercial	24.67	15.24	131,000	2.84	41.93
119	State Bank of Countryside Ill.	commercial	24.58	-53.81	589,841	1.91	51.05
120	Adrian Bank Mo.	commercial	24.56	16.65	125,886	2.28	45.81
121	Community First Bank New Iberia, La.	commercial	24.55	19.47	286,425	2.03	53.79
122	Quail Creek Bank Oklahoma City	commercial	24.41	24.97	519,487	2.30	48.02
123	TexasBank Brownwood	commercial	24.29	23.34	292,742	3.15	50.72
	Security First National Bank of Hugo Okla.	commercial	24.29	25.90	103,453	2.03	47.21
125	Decatur State Bank Ark.	commercial	24.24	-112.48	111,252	1.36	98.95
126	Wallis State Bank Texas	commercial	24.20	20.07	376,877	2.48	59.87
127	Corydon State Bank Iowa	commercial	24.19	19.46	91,666	3.86	15.79
128	Points West Community Bank Julesburg, Colo.	commercial	24.18	26.61	202,898	2.38	45.81
129	Bank of Montana Missoula	commercial	24.13	10.44	47,781	2.93	46.93
130	Exchange Bank and Trust Co. Perry, Okla.	commercial	24.10	25.32	242,535	2.09	50.46
131	First Security Bank-Hendricks Minn.	commercial	24.09	13.63	20,853	2.77	48.43
132	Midwest Bank Detroit Lakes, Minn.	commercial	24.07	25.22	337,397	2.26	50.70
133	Peoples State Bank Summit, S.D.	commercial	24.02	21.95	55,465	2.66	40.58
	BankWest Inc. Pierre, S.D.	commercial	24.02	14.54	817,970	2.25	57.97
135	Bank of Bloomsdale Mo.	commercial	23.94	24.88	196,971	2.38	45.80
136	Sabine State Bank and Trust Co. Many, La.	commercial	23.91	23.15	724,636	2.19	58.08
137	Normangee State Bank Texas	commercial	23.89	15.77	100,913	3.18	36.59
138	Haverford Trust Co. Radnor, Pa.	commercial	23.86	17.25	102,747	4.44	80.99
	Crestmark Bank Troy, Mich.	commercial	23.86	26.34	470,981	3.00	56.06
140	Security Bank Tulsa, Okla.	commercial	23.84	18.67	433,343	2.58	29.34
141	Citizens State Bank Okemah, Okla.	commercial	23.83	24.26	278,957	2.02	29.18
142	Citizens State Bank Miles, Texas	commercial	23.79	22.62	84,700	2.46	48.23
143	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	23.66	24.05	411,981	2.49	51.47
	Commercial State Bank Andrews, Texas	commercial	23.66	14.87	474,265	2.12	57.08
145	First State Bank of Golva N.D.	commercial	23.57	22.38	76,982	2.02	39.89
146	Continental Bank Salt Lake City	commercial	23.55	21.51	129,319	5.14	34.49
147	First State Bank Louise, Texas	commercial	23.54	25.54	323,088	1.92	59.21
148	Exchange Bank Gibbon, Neb.	commercial	23.52	22.56	471,064	2.37	36.91
149	First Community Bank Santa Rosa, Calif.	commercial	23.37	2.74	678,317	2.69	44.42
150	Security Bank and Trust Co. Paris, Tenn.	commercial	23.34	26.14	169,591	2.22	42.21
151	First Colorado National Bank Paonia	commercial	23.30	-1.64	45,224	4.34	67.96
152	Metro Phoenix Bank Ariz.	commercial	23.19	7.64	81,997	2.67	61.64
153	Grant County State Bank Carson, N.D.	commercial	23.16	21.31	32,714	2.36	49.04
154	Security State Bank Ansley, Neb.	commercial	23.15	33.08	131,171	1.97	61.46
155	Lamar Bank and Trust Co. Mo.	commercial	23.11	24.16	131,266	2.10	50.43
156	First Federal of South Carolina MHC Walterboro	savings	22.96	-2.91	103,179	1.15	76.32
157	Dakota Western Bank Bowman, N.D.	commercial	22.94	19.76	223,946	2.27	47.54
158	Douglas National Bank Ga.	commercial	22.92	12.81	142,652	3.09	46.36
159	Farmers Exchange Bank Cherokee, Okla.	commercial	22.90	34.84	198,104	2.23	45.35
	Savings Bank Primghar, Iowa	commercial	22.90	20.42	151,040	1.87	39.35
161	First National Bank of Oklahoma Oklahoma City	commercial	22.84	19.25	268,488	2.14	50.53
162	Premier Bank Rochester Minn.	commercial	22.83	-1.13	144,461	2.13	72.44
163	Bank of DeSoto Texas	commercial	22.80	21.86	180,753	2.29	59.12
164	Coleman County State Bank Coleman, Texas	commercial	22.79	21.38	94,217	2.13	57.47
165	Justin State Bank Texas	commercial	22.75	12.74	68,440	2.99	46.14
166	Choice Financial Group Grafton, N.D.	commercial	22.67	22.83	662,141	2.33	54.56
	Brunswick State Bank Neb.	commercial	22.67	22.33	83,542	2.04	50.86
168	CoastalStates Bank Hilton Head Island, S.C.	commercial	22.65	6.46	396,254	2.03	67.75
169	Putnam County State Bank Unionville, Mo.	commercial	22.64	14.51	158,303	2.32	17.27
170	First National Bank of Central Texas Waco	commercial	22.54	23.71	705,444	1.66	51.71
171	Live Oak Banking Co. Wilmington, N.C.	commercial	22.53	51.48	389,523	2.37	80.46
172	Oglesby State Bank Texas	commercial	22.49	11.62	14,004	2.24	66.39
173	First American Bank Stonewall, Okla.	commercial	22.48	25.74	25,776	2.48	54.13
	Amerasia Bank Flushing, N.Y.	commercial	22.48	21.16	377,718	2.04	45.32
175	Bank Forward Hannaford, N.D.	commercial	22.46	9.22	480,627	2.21	81.44
	Bank Northwest Hamilton, Mo.	commercial	22.46	22.37	99,055	1.84	52.84
177	Peoples Bank of the South Bude, Miss.	commercial	22.42	5.39	82,317	1.90	71.39
178	Peoples Community Bank Greenville, Mo.	commercial	22.37	23.52	158,361	3.48	37.32
	Farmers and Merchants State Bank of Pierz Minn.	commercial	22.37	23.65	170,662	2.23	47.67
180	First State Bank of DeQueen Ark.	commercial	22.35	21.84	189,354	1.75	57.01
181	Citizens National Bank of Bluffton Ohio	commercial	22.31	23.49	666,800	1.98	62.50
182	Farmers and Merchants State Bank of Blooming Prairie Minn.	commercial	22.23	23.20	72,333	1.86	58.59
183	Intracoastal Bank Palm Coast, Fla.	commercial	22.18	13.84	194,195	2.01	61.69
184	First National Bank of Louisiana Crowley	commercial	22.12	16.27	290,925	2.02	51.27
185	Falcon National Bank Foley, Minn.	commercial	22.10	11.70	154,408	1.94	54.05
186	Goodfield State Bank Ill.	commercial	22.09	25.88	74,927	3.08	50.29
187	State Bank of Lake Park Minn.	commercial	22.08	17.53	36,694	1.83	56.57
188	State Bank of New Richland Minn.	commercial	22.07	25.94	88,806	2.28	41.53
189	Prairie State Bank and Trust Mount Zion, Ill.	commercial	22.04	20.99	686,009	2.19	48.68
190	First Community Bank of Central Alabama Wetumpka	commercial	22.02	21.39	310,526	1.81	49.22
191	Peoples National Bank Colorado Springs, Colo.	commercial	22.01	29.05	286,290	2.36	81.56
192	Oak Creek Valley Bank Valparaiso, Neb.	commercial	21.92	18.87	70,313	2.38	42.50
	First Community National Bank Cuba, Mo.	commercial	21.92	18.17	209,759	1.81	62.33
194	Eitzen State Bank Caledonia, Minn.	commercial	21.88	17.76	88,298	1.81	43.94
195	Coulee Bank La Crosse, Wis.	commercial	21.83	16.60	272,544	2.21	49.04
196	West Town Savings Bank Cicero, Ill.	savings	21.80	23.07	152,757	2.18	79.70
197	Charter Bank Eau Claire Wis.	commercial	21.78	18.22	559,392	3.04	29.26
	FirstAtlantic Bank Jacksonville, Fla.	savings	21.78	6.37	402,070	2.48	40.83
199	Citizens Bank of Forsyth County Cumming, Ga.	commercial	21.75	17.30	218,031	2.03	63.27
200	Proficio Bank Cottonwood Heights, Utah	commercial	21.73	44.81	220,985	2.88	95.35
	Bank of St. Elizabeth Mo.	commercial	21.73	19.89	100,175	2.44	47.57

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 26, 2013. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial