Community Banks with the Highest Returns on Average Equity

December 30, 2014, 7:39 p.m. EST 1 Min Read

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Community Banks with the Highest Returns on Average EquityYear to date through June 30, 2014. Dollars in thousands Published December 30, 2014
Rank	Company	Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank	Company	Type of institution	2Q 2014	2Q 2013	Total assets	Return on average assets	Efficiency ratio
1	Edgebrook Bank Chicago	commercial	148.69%	2.76%	$93,610	4.34%	52.82
2	Floridian Bank Daytona Beach, Fla.	commercial	138.31	2.62	388,046	11.68	82.39
3	Sandhills Bank North Myrtle Beach, S.C.	commercial	120.77	6.48	102,905	11.93	85.31
4	Foundations Bank Pewaukee, Wis.	commercial	120.07	1.09	125,090	19.50	76.76
5	Bank of Eastman Ga.	commercial	99.00	-30.31	193,469	5.50	41.01
6	OptimumBank Plantation, Fla.	commercial	82.41	-95.31	128,168	4.36	43.75
7	Pan Pacific Bank Fremont, Calif.	commercial	70.66	1.08	110,337	10.40	90.02
8	Peoples Bank & Trust Co. Ryan, Okla.	commercial	70.43	19.60	30,752	8.87	72.73
9	Live Oak Banking Co. Wilmington, N.C.	commercial	65.45	22.53	501,837	6.84	54.36
10	One Bank & Trust Little Rock, Ark.	commercial	62.81	-14.63	374,964	2.56	64.97
11	Premier Bank & Trust North Canton, Ohio	commercial	55.35	4.42	261,959	5.98	83.01
12	Foothills Community Bank Dawsonville, Ga.	commercial	54.23	-106.36	83,123	0.84	84.22
13	Baraboo National Bank Wis.	commercial	52.60	-21.79	443,579	4.67	46.68
14	Georgia Heritage Bank Dallas	commercial	51.14	37.40	68,724	2.24	57.81
15	PNA Bank Chicago	savings	50.55	-7.71	102,372	2.42	101.91
16	Carolina Alliance Bank Spartanburg, S.C.	commercial	49.12	3.21	410,669	5.26	38.63
17	Mohave State Bank Lake Havasu City, Ariz.	commercial	47.11	5.19	301,878	5.21	73.10
18	Premier Bank Maplewood, Minn.	commercial	45.98	11.19	565,203	4.75	25.09
19	Texas Heritage National Bank Daingerfield	commercial	45.88	18.79	114,360	4.92	38.21
20	Continental Bank Salt Lake City	commercial	45.50	23.55	168,934	8.10	31.46
21	Atlantic Community Bank Bluffton, S.C.	commercial	43.01	4.13	79,317	4.48	129.18
22	Charter Bank Corpus Christi, Texas	commercial	42.24	39.02	247,775	3.38	47.35
23	CornerStone Bank Lexington, Va.	commercial	40.10	6.53	106,070	4.48	70.99
24	SpiritBank Tulsa, Okla.	commercial	39.84	-4.04	746,681	4.65	60.23
25	Great Plains National Bank Elk City, Okla.	commercial	39.66	29.03	590,277	3.22	64.97
26	EvaBank Cullman, Ala.	commercial	36.94	30.81	335,920	4.80	27.32
27	Builders Bank Chicago	commercial	36.80	-0.11	218,891	2.92	70.74
28	St. Louis Bank Town and Country, Mo.	commercial	36.46	2.65	384,757	3.39	80.58
29	Citizens State Bank of La Crosse Wis.	commercial	36.27	33.80	155,712	3.14	45.38
30	First State Bank Scottsbluff, Neb.	commercial	35.33	31.88	256,830	3.43	48.02
31	Choice Financial Group Grafton, N.D.	commercial	35.13	22.67	840,348	3.08	46.17
32	Riverside Bank Sparkman, Ark.	commercial	34.09	38.12	59,067	3.10	46.14
33	Morris State Bank Okla.	commercial	33.41	27.24	69,712	2.68	50.72
34	Peoples Bank Rose Hill, Va.	commercial	33.29	9.62	97,181	3.14	112.79
35	Bank of the Carolinas Mocksville, N.C.	commercial	33.18	-16.41	427,727	0.90	110.05
36	Security Bank & Trust Co. Glencoe, Minn.	commercial	32.46	16.03	445,146	3.31	52.09
37	Northpointe Bank Grand Rapids, Mich.	commercial	32.35	-22.53	348,305	2.71	61.38
38	Haverford Trust Co. Radnor, Pa.	commercial	32.34	23.86	106,630	6.34	77.21
39	MBank Gresham, Ore.	commercial	32.30	14.84	162,700	2.57	58.06
40	Bank of Hydro Okla.	commercial	32.28	33.36	136,419	2.60	39.67
41	Citizens State Bank Miles, Texas	commercial	31.36	23.79	97,211	3.02	44.02
42	United Community Bank of North Dakota Leeds	commercial	31.23	37.27	297,270	2.83	39.26
43	First Bank of Chandler Okla.	commercial	31.12	29.30	85,826	3.21	37.43
44	Venture Bank Bloomington, Minn.	commercial	31.03	25.56	465,070	2.61	46.50
	Wallis State Bank Texas	commercial	31.03	24.20	401,341	3.10	55.26
46	First National Community Bank Dunmore, Pa.	commercial	30.81	7.21	957,504	2.91	77.45
47	American Trust Bank of East Tennessee Knoxville	commercial	30.76	7.19	134,502	3.53	65.40
48	Security State Bank Littlefield, Texas	commercial	30.46	7.63	114,401	3.20	53.18
49	Flatirons Bank Boulder, Colo.	commercial	30.41	8.11	123,951	3.07	62.77
50	Noah Bank Elkins Park, Pa.	commercial	29.93	18.15	292,913	3.13	49.38
51	Farmers & Merchants Bank Lakeland, Ga.	commercial	29.85	1.97	553,491	0.81	74.21
52	RidgeStone Bank Brookfield, Wis.	commercial	29.51	17.49	384,255	3.89	44.95
	State Bank & Trust of Kenmare N.D.	commercial	29.51	19.09	116,715	2.60	50.28
54	First Bank & Trust Co. Wagoner, Okla.	commercial	29.38	25.15	265,479	3.12	42.27
	Security State Bank Sutherland, Iowa	commercial	29.38	29.09	99,895	2.59	35.55
56	American Bank and Trust Co. Davenport, Iowa	commercial	29.18	-0.64	363,695	2.87	80.42
57	Guaranty Bank & Trust Co. of Delhi La.	commercial	28.72	25.86	176,068	2.42	49.12
58	Farmers Exchange Bank Cherokee, Okla.	commercial	28.70	22.90	233,803	2.59	41.65
	Northern Star Bank Mankato, Minn.	commercial	28.70	-153.52	20,425	0.60	89.63
60	University Bank Ann Arbor, Mich.	commercial	28.62	53.87	127,773	2.66	85.65
61	Points West Community Bank Julesburg, Colo.	commercial	28.57	24.18	211,067	2.82	40.29
62	Premier Bank Minnesota Hastings	commercial	28.39	27.82	177,544	2.61	55.75
63	Premier Bank Rochester Minn.	commercial	28.18	22.83	151,575	2.69	52.76
64	Commercial State Bank Palmer, Texas	commercial	27.61	17.77	70,750	2.25	59.97
65	Bank of Montana Missoula	commercial	27.53	24.13	51,961	3.39	48.48
66	Exchange Bank and Trust Co. Perry, Okla.	commercial	27.50	24.10	268,036	2.43	49.37
67	AmeriState Bank Atoka, Okla.	commercial	27.49	16.85	207,211	2.48	55.82
68	First Missouri State Bank Poplar Bluff	commercial	27.46	19.20	154,044	3.02	38.75
69	McKenzie County Bank Watford City, N.D.	commercial	27.44	29.53	147,789	1.93	46.93
70	ACB Bank Cherokee, Okla.	commercial	27.41	33.40	87,162	2.36	50.27
	Prime Bank Edmond, Okla.	commercial	27.41	27.43	208,623	2.60	43.56
72	Nebraska State Bank Oshkosh	commercial	27.39	31.53	49,212	2.85	39.90
73	Texas Bank Financial Weatherford	commercial	27.25	8.61	116,577	2.33	74.03
74	UNICO Bank Mineral Point, Mo.	commercial	27.22	7.12	244,242	2.10	62.65
75	Cornerstone Bank Eureka Springs, Ark.	commercial	27.21	15.88	161,495	2.87	52.68
76	Coastal Commerce Bank Houma, La.	commercial	27.20	24.74	397,480	2.39	50.39
77	InvestorsBank Waukesha, Wis.	commercial	26.91	13.41	198,293	3.69	52.03
78	Bank Northwest Hamilton, Mo.	commercial	26.87	22.46	103,365	2.27	51.02
79	Peoples State Bank Summit, S.D.	commercial	26.58	24.02	60,333	2.87	36.49
80	Ohio State Bank Marion	commercial	26.26	-14.89	91,896	1.35	95.64
81	First State Bank of Warner S.D.	commercial	26.22	20.07	58,517	2.34	53.34
82	First Community Bank Columbus, Ohio	commercial	26.12	8.57	98,240	3.05	95.48
83	Bank 7 Oklahoma City	commercial	26.02	35.25	444,245	2.39	49.04
84	Bank of Baker Mont.	commercial	25.91	26.74	152,830	2.20	41.36
85	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	25.85	23.66	459,673	2.76	45.53
86	Farmers & Merchants State Bank of Cawker City Kan.	commercial	25.71	18.52	16,694	2.32	44.07
87	Bank of Cashton Wis.	commercial	25.64	12.40	79,115	2.44	40.87
	Freedom Bank Huntingburg, Ind.	commercial	25.64	25.46	357,788	2.46	39.48
89	Millennium Bank Des Plaines, Ill.	commercial	25.63	1.90	52,589	2.52	59.43
90	NOA Bank Duluth, Ga.	commercial	25.60	25.93	175,217	3.24	45.59
91	Welcome State Bank Minn.	commercial	25.55	19.60	25,610	2.56	48.35
92	Jonesburg State Bank Mo.	commercial	25.54	19.62	67,605	2.13	56.50
93	Lamar Bank and Trust Co. Mo.	commercial	25.53	23.11	135,963	2.36	47.10
94	Patapsco Bank Dundalk, Md.	commercial	25.11	-7.75	230,545	2.26	83.14
95	Gunnison Valley Bank Utah	commercial	25.10	1.15	76,929	2.81	39.97
96	First National Bank Fabens, Texas	commercial	25.07	29.12	324,903	2.63	53.13
97	Wells Bank of Platte City Mo.	commercial	25.02	31.93	109,927	2.31	47.20
98	NewBank Flushing, N.Y.	commercial	24.96	31.48	193,429	3.18	37.10
99	Five Star Bank Rocklin, Calif.	commercial	24.95	26.68	615,305	2.12	42.47
100	Petersburg State Bank Neb.	commercial	24.94	20.32	35,403	2.20	46.66
101	First National Community Bank Chatsworth, Ga.	commercial	24.86	-13.46	124,088	2.02	58.67
102	Cornerstone Bank Wilson, N.C.	commercial	24.81	1.06	120,754	1.32	77.60
103	Central Bank and Trust Co. Hutchinson, Kan.	commercial	24.71	14.14	260,057	2.02	54.57
104	Citizens Bank of Logan Ohio	commercial	24.64	18.06	204,049	1.61	72.66
105	First National Bank Arcadia, La.	commercial	24.59	28.73	199,690	2.11	61.73
106	First Financial Bank El Dorado, Ark.	commercial	24.54	32.29	879,795	2.60	56.31
107	Heritage State Bank Lawrenceville, Ill.	commercial	24.51	25.20	75,321	2.57	50.58
	Independence State Bank Wis.	commercial	24.51	2.44	64,632	2.00	97.88
109	Community Pride Bank Isanti, Minn.	commercial	24.41	13.49	92,154	2.47	65.60
110	Auburn Banking Co. Ky.	commercial	24.40	24.91	74,453	1.70	58.95
	WoodTrust Bank Wisconsin Rapids, Wis.	commercial	24.40	17.57	364,875	2.39	54.35
112	Caldwell Bank & Trust Co. Columbia, La.	commercial	24.38	15.30	144,817	2.28	63.82
	Home State Bank Litchfield, Minn.	commercial	24.38	15.67	138,106	2.78	68.39
114	First National Bank of Las Animas Colo.	commercial	24.37	18.60	318,847	2.58	47.01
115	Missouri Bank II Sedalia, Mo.	commercial	24.34	17.30	81,380	2.61	48.83
	Village Bank St. Francis, Minn.	commercial	24.34	35.18	164,387	1.91	66.90
117	Cowboy Bank of Texas Maypearl	commercial	24.33	31.24	57,376	2.37	57.87
118	Security First National Bank of Hugo Okla.	commercial	24.32	24.29	103,039	2.02	49.02
119	Bank of Newington Ga.	commercial	24.29	4.44	80,222	1.71	67.29
120	First Bank of Berne Ind.	commercial	24.24	24.84	537,665	2.34	47.64
121	Falcon National Bank Foley, Minn.	commercial	24.22	22.10	158,022	2.23	55.28
122	First Community Bank of Central Alabama Wetumpka	commercial	24.19	22.02	318,801	1.93	49.19
123	Quail Creek Bank Oklahoma City	commercial	24.17	24.41	554,238	2.29	46.69
124	Crockett National Bank San Angelo, Texas	commercial	24.10	25.98	508,040	2.25	75.30
125	Community Bank Longview, Texas	commercial	24.09	36.17	220,471	2.06	48.09
126	BankSouth Greensboro, Ga.	savings	24.05	32.38	370,051	2.53	82.58
127	Abbeville First Bank S.C.	savings	24.03	1.84	68,193	2.47	69.24
128	Dakota Community Bank & Trust Hebron, N.D.	commercial	24.00	24.72	705,256	1.83	57.41
129	Coleman County State Bank Texas	commercial	23.97	22.79	100,060	2.22	56.06
130	Chesterfield State Bank Ill.	commercial	23.95	19.33	21,445	1.97	46.76
131	Farmers Bank and Trust Co. Blytheville, Ark.	commercial	23.88	21.50	409,130	2.23	54.58
132	Savings Bank Primghar, Iowa	commercial	23.85	22.90	163,711	2.03	40.38
133	Liberty State Bank Powers Lake, N.D.	commercial	23.84	31.47	79,634	2.16	36.34
134	Bank of Glen Ullin N.D.	commercial	23.83	38.34	52,057	2.57	40.79
135	Commercial State Bank of Wagner S.D.	commercial	23.81	24.67	137,297	2.76	38.59
136	FirsTier Bank Kimball, Neb.	commercial	23.79	10.14	235,041	2.93	52.06
137	PrimeSouth Bank Blackshear, Ga.	commercial	23.77	18.01	332,532	1.66	63.51
138	FirstBank Antlers, Okla.	commercial	23.72	20.65	258,942	1.95	71.51
139	Almena State Bank Kan.	commercial	23.68	69.60	31,852	1.76	70.42
140	Security State Bank of Wewoka Okla.	commercial	23.67	3.25	153,053	2.06	50.53
141	First Bank & Trust Co. Lubbock, Texas	commercial	23.66	20.67	658,938	2.17	66.82
142	Progressive Ozark Bank Salem, Mo.	commercial	23.46	21.69	121,771	2.35	62.06
143	Republic Bank Bountiful, Utah	commercial	23.45	32.95	357,274	3.11	20.32
144	First Community Bank Corpus Christi, Texas	commercial	23.38	34.42	363,172	2.10	67.16
145	First Colorado National Bank Paonia	commercial	23.37	23.30	46,922	4.27	66.94
146	Peoples Bank Mendenhall, Miss.	commercial	23.25	25.39	242,745	2.25	54.53
147	Mid America Bank Linn, Mo.	commercial	23.24	16.67	347,964	1.76	49.29
148	Premier Bank Rock Valley, Iowa	commercial	23.22	26.40	288,700	2.67	33.99
149	Lowry State Bank Minn.	commercial	23.16	17.59	42,760	2.26	55.40
150	Brunswick State Bank Neb.	commercial	23.15	22.67	92,342	2.25	46.89
151	First State Bank of DeQueen Ark.	commercial	23.09	22.35	201,882	1.72	55.65
152	Farmers and Merchants Bank of Kendall Wis.	commercial	23.08	69.45	72,418	3.01	46.88
153	Security Bank and Trust Co. Paris, Tenn.	commercial	23.07	23.34	177,596	2.22	40.46
154	Four Oaks Bank & Trust Co. N.C.	commercial	22.96	1.98	832,871	1.34	70.64
155	Town and Country Bank Midwest Quincy, Ill.	commercial	22.92	29.28	155,816	2.68	46.63
156	Grant County State Bank Carson, N.D.	commercial	22.89	23.16	33,339	2.47	46.17
157	Bank of DeSoto Texas	commercial	22.87	22.80	184,875	2.32	58.80
158	Southwest National Bank Wichita, Kan.	commercial	22.74	19.54	432,282	1.97	54.23
159	Farmers and Merchants State Bank Plankinton, S.D.	commercial	22.71	37.03	93,349	2.27	44.08
160	Security Bank Tulsa, Okla.	commercial	22.68	23.84	480,506	2.46	32.88
161	First National Bank of Central Texas Waco	commercial	22.66	22.54	722,977	1.76	52.29
162	Luana Savings Bank Iowa	commercial	22.51	19.51	649,972	2.02	33.48
163	Liberty Bank Beachwood, Ohio	commercial	22.50	5.90	207,122	2.79	53.50
164	Farmers Savings Bank Wever, Iowa	commercial	22.47	20.91	114,532	2.31	44.87
165	NewFirst National Bank El Campo, Texas	commercial	22.38	21.24	556,288	2.25	57.16
166	Monterey County Bank Calif.	commercial	22.37	-28.36	194,228	1.42	60.77
167	Brush Country Bank Freer, Texas	commercial	22.29	26.11	44,577	2.08	59.25
168	Heartland State Bank Redfield, S.D.	commercial	22.28	32.67	73,520	2.50	52.49
169	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	22.25	21.70	168,623	2.04	55.85
	Tri-County Trust Co. Glasgow, Mo.	commercial	22.25	19.56	54,926	2.15	48.11
	Vintage Bank Waxahachie, Texas	commercial	22.25	20.96	178,697	2.08	59.23
172	Farmers State Bank & Trust Co. Church Point, La.	commercial	22.24	9.12	100,787	2.10	62.94
173	State Bank of New Richland Minn.	commercial	22.16	22.07	93,630	2.23	39.36
174	Bank of Floyd Va.	commercial	22.15	-3.10	264,540	1.47	131.95
175	First Bank Burkburnett, Texas	commercial	22.14	17.44	326,944	1.98	69.52
	Sound Banking Co. Tacoma, Wash.	commercial	22.14	16.53	47,671	2.29	56.63
177	Dakota Western Bank Bowman, N.D.	commercial	22.13	22.94	242,244	2.26	44.05
178	State Bank of Texas Dallas	commercial	22.12	16.45	413,266	4.90	25.37
179	Bank of Montgomery La.	commercial	22.10	15.74	208,012	2.09	58.94
180	Charter Bank Eau Claire Wis.	commercial	22.07	21.78	579,899	3.05	29.71
181	Gwinnett Community Bank Duluth, Ga.	commercial	22.02	34.75	401,726	0.66	79.76
182	Community Bank of Raymore Mo.	commercial	22.01	24.88	180,893	1.73	70.89
183	Salin Bank and Trust Co. Indianapolis	commercial	21.91	13.64	769,986	2.58	55.78
184	Midwest Bank Detroit Lakes, Minn.	commercial	21.90	24.07	347,096	2.13	50.20
185	Sicily Island State Bank La.	commercial	21.85	12.73	39,653	3.16	58.89
186	Horizon Bank SSB Austin, Texas	savings	21.80	12.75	495,115	1.88	51.75
187	Bank of Geneva Ind.	commercial	21.77	18.78	212,902	2.26	49.53
188	Freedom Bank of Southern Missouri Cassville	commercial	21.72	21.22	209,833	1.52	59.04
189	Bank of the West Thomas, Okla.	commercial	21.63	20.77	142,354	2.39	51.94
	Grant County State Bank Swayzee, Ind.	commercial	21.63	18.97	123,994	2.01	40.57
191	Volunteer State Bank Portland, Tenn.	commercial	21.57	24.69	464,732	2.11	71.45
192	Ultima Bank Minnesota Winger	commercial	21.54	24.76	153,667	1.96	53.45
	Valley Bank of Glasgow Mont.	commercial	21.54	9.53	36,885	1.92	54.16
194	Peoples State Bank of Velva N.D.	commercial	21.48	21.33	108,400	1.80	56.58
195	North Valley Bank Thornton, Colo.	commercial	21.46	16.33	141,072	2.22	62.04
	TruBank Oskaloosa, Iowa	commercial	21.46	7.95	106,436	2.54	72.67
197	Bank of Hemet Riverside, Calif.	commercial	21.38	21.60	481,859	2.56	47.09
	Union Bank & Trust Co. Livingston, Tenn.	commercial	21.38	18.95	81,051	2.46	51.37
199	Community First Bank New Iberia, La.	commercial	21.37	24.55	310,785	1.79	58.41
200	Commercial State Bank Andrews, Texas	commercial	21.31	23.66	542,116	1.86	54.17

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 Aug. 25, 2014. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial