Community Banks with the Highest Returns on Average Equity

August 22, 2014, 1:47 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityYear to date through March 31, 2014. Dollars in thousands Published August 22, 2014
Rank	Company	Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank	Company	Type of institution	1Q 2014	1Q 2013	Total assets	Return on average assets	Efficiency ratio
1	First Central Savings Bank Glen Cove, N.Y.	commercial bank	110.53%	-40.42%	$71,436	5.46%	128.54
2	Pinnacle Bank Morgan Hill, Calif.	commercial bank	94.66	-1.58	107,062	11.28	87.80
3	Royal Savings Bank Chicago	commercial bank	80.93	11.68	86,815	1.01	83.47
4	Village Bank St. Francis, Miss.	commercial bank	74.65	34.02	122,107	8.08	29.94
5	Community Bank of Pickens County Jasper, Ga.	commercial bank	65.69	4.24	104,954	6.02	86.25
6	Pacific Commerce Bank Los Angeles	savings bank	54.47	5.79	821,158	7.72	93.52
7	Apollo Bank Miami	commercial bank	53.29	49.85	457,879	0.61	83.26
8	Pacific City Bank Los Angeles	commercial bank	50.96	36.48	475,353	5.49	58.43
9	First Community Financial Bank Plainfield, Ill.	commercial bank	49.31	4.93	297,198	4.47	87.28
10	OmniBank Jackson, Miss.	commercial bank	46.30	2.44	27,026	5.54	37.56
11	First Citizens Bank of Georgia Dawsonville	commercial bank	43.93	7.16	102,753	4.57	73.88
12	PrinsBank Prinsburg, Minn.	commercial bank	43.43	22.47	107,284	7.88	70.96
13	Charter Bank Corpus Christi, Texas	commercial bank	43.22	36.52	238,479	3.28	48.73
14	Uniited Bank Springdale, Ark.	commercial bank	41.85	-74.77	132,607	1.86	61.99
15	Live Oak Banking Co. Wilmington, N.C.	commercial bank	39.75	10.87	182,459	2.91	56.03
16	Wells Bank of Platte City Mo.	commercial bank	37.41	14.98	46,579	3.40	55.68
17	Continental Bank Salt Lake City	commercial bank	37.00	-12.53	227,616	3.44	100.03
18	Crockett National Bank San Angelo, Texas	commercial bank	36.47	-3.98	325,200	3.55	74.83
19	Home Federal Savings Bank Rochester, Minn.	commercial bank	36.45	-10.62	278,284	3.39	134.53
20	Merchants & Planters Bank Bolivar, Tenn.	commercial bank	35.64	7.62	294,846	3.31	54.84
21	Ameristate Bank Atoka, Okla.	commercial bank	34.55	27.75	297,437	3.42	53.49
22	Main Street Bank Bingham Farms, Mich.	savings bank	34.24	2.84	159,967	3.83	85.04
23	Citizens State Bank of La Crosse Wis.	commercial bank	34.17	-82.51	138,357	3.56	43.54
24	Bank 7 Oklahoma City	commercial bank	32.83	12.13	84,413	3.43	42.25
25	Prime Bank Edmond, Okla.	commercial bank	31.93	31.02	61,831	2.55	46.39
26	Guardian Savings Bank FSB West Chester, Ohio	savings bank	30.97	-21.77	49,815	2.05	101.44
27	Riverside Bank Sparkman, Ark.	commercial bank	30.17	23.62	229,475	2.60	36.49
28	Dakota Community Bank & Trust Hebron, N.D.	commercial bank	30.04	10.12	61,731	2.39	31.08
29	United Community Bank of North Dakota Leeds	commercial bank	29.85	34.60	404,584	4.37	17.61
30	First Bank Blue Earth Minn.	commercial bank	29.84	35.25	68,839	2.45	55.36
31	Liberty State Bank Powers Lake, N.D.	commercial bank	29.64	26.21	47,450	3.11	46.23
32	Bank of Hydro Okla.	commercial bank	29.49	27.11	558,546	2.33	66.84
33	ACB Bank Cherokee, Okla.	commercial bank	29.33	28.35	288,290	2.66	40.30
34	Cowboy Bank of Texas Maypearl	commercial bank	29.26	4.26	345,650	2.30	57.15
35	First Bank of Chandler Okla.	commercial bank	28.99	31.00	326,019	2.95	46.94
36	Grant County State Bank Carson, N.D.	commercial bank	28.98	-4.80	211,822	3.42	43.32
37	Brunswick State Bank Neb.	commercial bank	28.74	32.67	121,586	2.45	43.61
	Mountain 1st Bank & Trust Co. Hendersonville, N.C.	commercial bank	28.74	-3.04	99,380	2.13	88.04
39	Republic Bank Bountiful, Utah	commercial bank	28.64	34.59	423,724	2.35	46.86
40	Commercial State Bank Andrews, Texas	commercial bank	28.20	28.53	99,686	2.52	37.61
41	Security State Bank Sutherland, Iowa	commercial bank	27.96	8.66	107,175	2.10	79.32
42	Bank of Baker Mont.	commercial bank	27.64	23.62	56,907	2.69	52.62
43	Venture Bank Bloomington, Minn.	commercial bank	27.48	30.14	56,831	2.61	51.70
44	Morris State Bank Okla.	commercial bank	27.47	18.69	132,258	2.45	44.75
45	Bank of Bloomsdale Mo.	commercial bank	27.42	29.92	142,541	5.45	32.46
46	Bank of Buffalo Ky.	commercial bank	27.41	22.23	432,918	2.32	50.88
47	First Bank of Owasso Okla.	commercial bank	27.29	27.19	108,345	2.37	51.32
48	Peoples Bank Mendenhall, Miss.	savings bank	27.25	42.12	99,808	1.06	110.25
49	Community Bank Longview, Texas	commercial bank	27.13	23.03	197,240	2.61	52.04
50	Intercredit Bank Miami	commercial bank	26.95	20.93	83,079	2.79	40.71
51	Points West Community Bank Julesburg, Colo.	commercial bank	26.80	16.87	33,315	2.68	47.32
52	Oak Creek Valley Bank Valparaiso, Neb.	commercial bank	26.76	17.65	274,977	1.41	64.40
53	First State Bank Valliant, Okla.	commercial bank	26.60	30.95	190,557	3.39	40.75
54	Great Plains Bank Eureka, S.D.	commercial bank	26.51	22.76	73,073	2.98	29.39
55	West Plains Bank and Trust Co. Mo.	commercial bank	26.49	37.25	148,468	2.32	52.28
56	Almena State Bank Kan.	commercial bank	26.45	27.13	85,313	2.27	49.73
57	First National Bank Fabens, Texas	commercial bank	26.28	18.64	360,323	2.23	65.98
58	First State Bank Scottsbluff, Neb.	commercial bank	26.02	30.33	221,888	2.14	47.45
59	Bank Northwest Hamilton, Mo.	commercial bank	25.95	20.73	323,009	1.97	54.81
60	Bank of Glen Ullin N.D.	commercial bank	25.65	4.39	565,978	0.63	65.77
61	Heartland State Bank Redfield, S.D.	commercial bank	25.40	20.22	92,678	2.53	47.91
62	First Bank of Berne Ind.	commercial bank	25.33	24.34	72,091	2.88	35.15
63	First State Bank of Golva N.D.	commercial bank	25.19	14.63	91,469	2.29	45.99
64	Tri Valley Bank Talmage, Neb.	commercial bank	25.15	25.11	447,652	2.65	47.43
65	Texas Champion Bank Corpus Christi	savings bank	25.06	7.92	333,875	2.28	67.62
66	Premier Bank Rock Valley, Iowa	commercial bank	25.03	15.12	426,550	5.39	23.54
67	Parkway Bank Rogers, Ark.	commercial bank	24.96	21.75	648,714	2.38	51.00
68	Quail Creek Bank Oklahoma City	commercial bank	24.83	18.84	135,050	2.79	41.40
69	Community First Bank New Iberia, La.	commercial bank	24.81	15.04	164,698	3.21	51.62
70	Citizens State Bank of Lankin N.D.	commercial bank	24.78	24.09	150,263	2.13	58.03
71	TexasBank Brownwood	commercial bank	24.71	18.25	203,709	2.23	61.80
72	St. Martin Bank and Trust Co. St. Martinville, La.	commercial bank	24.69	22.11	105,302	2.10	50.85
73	Great Plains National Bank Belfield, N.D.	commercial bank	24.64	22.89	561,414	2.16	42.16
74	Commercial Bank of Mott N.D.	commercial bank	24.63	17.94	199,206	2.09	61.61
75	First State Bank of DeQueen Ark.	commercial bank	24.55	-28.80	40,429	2.14	108.92
76	Farmers and Merchants State Bank Plankinton, S.D.	commercial bank	24.49	19.89	76,643	1.61	58.77
77	Provincial Bank Lakeville, Minn.	commercial bank	24.48	25.94	255,264	2.03	69.35
78	MBank Gresham, Ore.	commercial bank	24.47	11.88	487,155	2.07	55.74
79	Auburn Banking Co. Ky.	commercial bank	24.44	18.29	243,797	2.31	53.96
80	Farmers Bank and Trust Co. Blytheville, Ark.	commercial bank	24.22	27.55	537,985	2.32	48.45
81	Coleman County State Bank Texas	commercial bank	24.06	24.58	246,659	2.38	45.22
	Vintage Bank Waxahachie, Texas	commercial bank	24.06	19.83	199,966	1.66	58.43
83	First Community Bank Corpus Christi, Texas	commercial bank	23.97	24.04	98,401	2.28	56.80
84	Bank 1440 Phoenix	commercial bank	23.92	29.16	128,114	2.12	46.26
85	Gunnison Valley Bank Utah	commercial bank	23.91	22.02	175,793	1.96	57.16
86	Security Bank Tulsa, Okla.	commercial bank	23.90	-0.89	123,691	1.18	82.37
87	First American Bank Stonewall, Okla.	commercial bank	23.89	15.03	144,775	2.98	40.14
88	Five Star Bank Rocklin, Calif.	commercial bank	23.84	22.31	141,492	1.73	49.97
89	First National Bank of Picayune Miss.	commercial bank	23.71	29.98	204,831	2.32	44.07
90	Lowry State Bank Minn.	commercial bank	23.69	24.90	295,950	2.71	34.45
91	First Neodesha Bank Kan.	commercial bank	23.66	24.25	233,909	2.26	48.03
92	Charter Bank Eau Claire Wis.	commercial bank	23.59	25.04	122,522	2.31	60.50
93	Freedom Bank Huntingburg, Ind.	commercial bank	23.57	12.02	261,455	1.87	58.79
	Security Bank and Trust Co. Paris, Tenn.	commercial bank	23.57	11.72	99,693	2.83	42.87
95	Bank of Hemet Riverside, Calif.	commercial bank	23.56	21.11	135,527	2.08	50.72
96	Peoples Bank & Trust Co. Troy, Mo.	commercial bank	23.53	29.57	102,788	1.86	55.14
97	Heritage State Bank Lawrenceville, Ill.	commercial bank	23.51	21.92	725,597	1.79	49.38
98	Freedom Bank Columbia Falls, Mont.	commercial bank	23.46	22.51	176,760	2.24	41.46
	Bank of Stapleton Neb.	commercial bank	23.46	27.62	74,590	2.55	49.73
100	NOA Bank Duluth, Ga.	commercial bank	23.44	21.76	96,591	2.41	45.31
101	First State Bank Louise, Texas	commercial bank	23.42	19.37	671,715	3.56	41.95
102	Citizens State Bank Miles, Texas	savings bank	23.41	-36.03	74,273	1.24	92.62
103	Guaranty Bank & Trust Co. of Delhi La.	commercial bank	23.28	26.21	348,085	2.26	41.13
104	Citizens Bank New Tazewell, Tenn.	commercial bank	23.26	15.52	240,852	2.47	44.98
105	PrimeSouth Bank Blackshear, Ga.	commercial bank	23.16	23.49	558,217	2.20	49.11
106	Midwest Bank Detroit Lakes, Minn.	commercial bank	23.10	14.21	271,604	1.37	64.02
107	First National Bank of Central Texas Waco	savings bank	23.09	15.58	39,831	3.98	41.85
	Crestmark Bank Troy, Mich.	commercial bank	23.09	15.81	222,847	1.83	61.88
109	Regional Missouri Bank Marceline	commercial bank	22.90	19.60	282,914	2.38	48.95
110	American State Bank of Grygla Minn.	commercial bank	22.88	19.94	203,027	3.24	47.64
111	Exchange Bank and Trust Co. Perry, Okla.	commercial bank	22.79	21.91	145,694	2.08	55.77
112	Chetopa State Bank & Trust Co. Kan.	commercial bank	22.73	4.88	599,212	2.59	46.07
113	First National Bank & Trust of Elk City, Okla.	commercial bank	22.43	20.40	269,597	1.89	52.10
114	Bank of Prague Neb.	commercial bank	22.33	20.69	168,222	1.99	56.04
115	Choice Financial Group Grafton, N.D.	commercial bank	22.25	15.20	114,249	2.02	62.95
	First National Bank Arcadia, La.	commercial bank	22.25	18.76	309,327	1.97	69.08
117	First Bank & Trust Co. Wagoner, Okla.	commercial bank	22.23	16.13	79,938	2.65	46.88
118	Great Plains National Bank Elk City, Okla.	commercial bank	22.20	20.54	58,719	1.64	71.77
119	Farmers Exchange Bank Cherokee, Okla.	commercial bank	22.18	20.95	432,289	1.88	54.68
120	Winnsboro State Bank & Trust Co. La.	commercial bank	22.10	18.88	135,627	2.51	51.92
121	Lamar Bank and Trust Co. Mo.	commercial bank	22.05	4.58	227,188	2.09	68.44
122	Central Bank and Trust Co. Hutchinson, Kan.	commercial bank	21.96	19.97	272,780	2.13	44.03
123	Farmers and Merchants State Bank of Pierz Minn.	commercial bank	21.93	4.85	39,503	3.36	68.37
124	Citizens Bank Amsterdam, Mo.	commercial bank	21.92	15.96	476,913	1.81	59.40
125	Basile State Bank La.	commercial bank	21.91	23.71	164,124	1.89	61.68
126	Welcome State Bank Minn.	commercial bank	21.90	20.88	307,709	2.81	44.26
127	First Financial Bank El Dorado, Ark.	commercial bank	21.81	27.24	78,983	2.25	56.11
128	Farmers State Bank Waterloo, Iowa	commercial bank	21.78	20.71	651,324	1.88	33.85
129	First Bank Burkburnett, Texas	commercial bank	21.74	8.86	96,280	2.27	39.54
	Jonah Bank of Wyoming Casper	commercial bank	21.74	20.65	61,698	2.38	41.94
	Peoples Community Bank Greenville, Mo.	commercial bank	21.74	20.63	168,261	2.10	57.63
132	Bank of the West Thomas, Okla.	commercial bank	21.72	21.05	61,310	2.02	59.45
133	Brush Country Bank Freer, Texas	commercial bank	21.70	22.53	476,890	2.37	31.96
134	Petersburg State Bank Neb.	commercial bank	21.66	-8.36	152,784	2.26	45.42
135	State Bank of Texas Dallas	commercial bank	21.65	19.95	207,315	2.12	47.90
136	Ann Arbor State Bank Mich.	commercial bank	21.63	13.16	176,009	2.00	58.14
137	Sound Banking Co. Tacoma, Wash.	commercial bank	21.61	21.90	70,467	2.61	56.64
138	Peoples State Bank Blair, Okla.	commercial bank	21.57	20.93	46,789	2.39	43.41
139	Security Bank of Southwest Missouri Cassville	commercial bank	21.54	28.52	362,990	2.59	51.25
140	Farmers Savings Bank Wever, Iowa	commercial bank	21.53	17.77	457,362	2.28	48.91
141	Ultima Bank Minnesota Winger	commercial bank	21.52	18.60	80,509	1.83	56.44
142	The Bank Oberlin, Kan.	commercial bank	21.51	24.14	43,420	2.01	52.96
143	Commercial Bank & Trust Co. Monticello, Ark.	commercial bank	21.49	7.25	476,475	1.90	74.01
144	S-Bank Weymouth, Mass.	commercial bank	21.40	24.16	338,425	2.04	50.47
	Coastal Commerce Bank Houma, La.	commercial bank	21.40	22.38	711,358	1.61	57.51
146	Delta Bank Vidalia, La.	commercial bank	21.37	16.39	212,007	1.67	57.58
147	Union Bank of Mena Ark.	commercial bank	21.34	19.06	22,077	1.62	48.80
148	Vermilion Bank & Trust Co. Kaplan, La.	commercial bank	21.23	20.43	380,458	2.81	47.25
149	Bank of Milton Wis.	commercial bank	21.22	21.87	266,932	2.16	38.41
150	Wyoming Bank & Trust Cheyenne	commercial bank	21.20	32.26	208,129	1.93	60.88
151	Luana Savings Bank Iowa	commercial bank	21.19	5.84	49,228	2.37	60.08
152	Citizens State Bank at Mohall N.D.	commercial bank	21.16	25.12	30,403	2.14	58.83
153	Community Bank Mankato-Vernon Center Minn.	commercial bank	21.09	15.79	153,583	1.42	41.01
154	Southwest Capital Bank Las Vegas, N.M.	commercial bank	21.06	31.89	878,004	2.20	59.70
155	First State Bank Armour, S.D.	commercial bank	21.04	18.91	310,200	1.68	61.03
	National Bank of Andrews Texas	commercial bank	21.04	14.32	585,937	0.67	83.98
157	Nodaway Valley Bank Maryville, Mo.	commercial bank	21.03	21.92	148,380	2.47	49.74
158	West Texas State Bank Snyder	commercial bank	21.01	27.61	553,143	1.67	53.50
159	Grand Marais State Bank Minn.	commercial bank	20.98	18.31	572,112	2.44	45.31
160	Marion County State Bank Pella, Iowa	commercial bank	20.95	9.17	86,097	2.39	67.50
161	Turtle Mountain State Bank Belcourt, N.D.	commercial bank	20.85	20.35	265,391	1.83	72.62
162	Middletown State Bank Ill.	commercial bank	20.82	12.64	89,368	4.47	32.72
163	Century Bank of the Ozarks Gainesville, Mo.	commercial bank	20.79	19.47	174,290	2.01	59.85
164	Tolleson Private Bank Dallas	commercial bank	20.78	24.81	89,789	2.02	41.27
165	Heartland Bank Bryant, Ark.	commercial bank	20.74	8.38	84,023	1.95	49.92
	FirstBank Antlers, Okla.	commercial bank	20.74	16.58	568,918	2.73	33.54
167	Southwest National Bank Wichita, Kan.	commercial bank	20.67	15.47	659,268	2.26	54.84
168	Missouri Bank and Trust Co. of Kansas City	commercial bank	20.61	22.50	517,907	2.10	43.24
	Victory Community Bank Fort Mitchell, Ky.	commercial bank	20.61	-0.88	69,370	1.24	75.91
170	First Community Bank of Central Alabama Wetumpka	commercial bank	20.55	20.23	550,976	2.44	38.96
171	Citizens National Bank of Bluffton Ohio	commercial bank	20.53	20.28	149,834	1.91	58.37
	EvaBank Cullman, Ala.	commercial bank	20.53	18.25	16,354	1.76	52.23
173	PCSB Bank Clarinda, Iowa	commercial bank	20.49	7.20	107,057	1.91	52.70
174	Liberty Savings Bank FSB St. Cloud, Minn.	savings bank	20.44	21.68	160,863	2.21	57.74
175	Security National Bank of Enid Okla.	commercial bank	20.40	16.49	34,007	2.15	50.94
176	First National Bank Spearman, Texas	commercial bank	20.37	21.49	60,502	1.83	63.88
	American Bank & Trust of the Cumberlands Livingston, Tenn.	commercial bank	20.37	12.65	76,608	1.43	71.90
178	Bank of Montana Missoula	commercial bank	20.33	22.71	472,105	2.46	52.15
179	Homeland Federal Savings Bank Columbia, La.	commercial bank	20.28	-5.78	133,605	2.42	64.41
180	Progressive Ozark Bank Salem, Mo.	commercial bank	20.23	17.96	145,443	2.81	50.02
181	Normangee State Bank Texas	commercial bank	20.21	20.45	74,004	1.73	59.42
182	Golden Belt Bank FSA Ellis, Kan.	commercial bank	20.18	13.70	107,229	1.66	65.58
183	Bank of DeSoto Texas	commercial bank	20.16	19.33	828,857	2.28	57.35
184	Community First Bank of the Heartland Mount Vernon, Ill.	commercial bank	20.08	16.77	325,151	2.03	42.59
185	NewBank Flushing, N.Y.	commercial bank	20.07	16.77	186,846	1.47	59.67
186	CCB Community Bank Andalusia, Ala.	commercial bank	20.06	13.84	196,183	1.82	67.10
187	First National Bank and Trust Co. of Okmulgee, Okla.	commercial bank	20.04	12.08	973,656	1.69	83.05
188	Security First National Bank of Hugo Okla.	commercial bank	20.03	15.23	210,751	1.58	63.64
189	Ramsey National Bank Devils Lake, N.D.	commercial bank	19.99	19.27	99,582	1.70	57.40
	Countybank Greenwood, S.C.	commercial bank	19.99	22.98	399,980	1.72	60.28
191	First State Bank Boise City, Okla.	commercial bank	19.98	14.21	303,796	2.05	37.50
192	Peoples Bank & Trust Buford, Ga.	commercial bank	19.97	8.73	38,110	1.48	62.95
193	SSBBank Stockbridge, Mich.	commercial bank	19.95	21.53	173,310	2.05	50.78
194	State Bank of Lake Park Minn.	commercial bank	19.90	23.49	333,752	2.37	42.65
195	Mid America Bank Linn, Mo.	commercial bank	19.88	12.33	130,218	2.20	47.69
196	City Savings Bank & Trust Co. DeRidder, La.	commercial bank	19.87	29.47	72,893	2.56	50.42
197	Dakota Western Bank Bowman, N.D.	commercial bank	19.86	14.77	245,370	2.14	57.51
198	Bank 1st West Union, Iowa	commercial bank	19.85	10.39	312,554	1.78	56.33
199	Jonesburg State Bank Mo.	commercial bank	19.79	15.52	159,312	1.77	57.21
200	Savings Bank Primghar, Iowa	commercial bank	19.78	17.06	286,794	1.54	40.84

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 May 23, 2014. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial