Community Banks with the Highest Returns on Average Equity

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Community Banks with the Highest Returns on Average Equity

Community Banks with the Highest Returns on Average EquityYear to date through June 30, 2016. Dollars in thousands
Published August 15, 2016

Rank Company Type of
institution
Return on average equity Total
assets
Return on
average assets
Efficiency
ratio
2Q 2016 2Q 2015
1 Neighborhood National Bank San Diego commercial 106.02% 1.19% $55,464 9.02% 82.12%
2 Cornerstone Bank Wilson, N.C. commercial 74.54 11.06 108,514 7.78 86.97
3 Heritage Bank Jonesboro, Ga. commercial 64.16 6.36 415,141 5.59 80.89
4 Bank of Commerce Sarasota, Fla. commercial 62.37 -5.27 209,077 1.88 127.22
5 SouthCrest Bank Tyrone, Ga. commercial 62.07 4.23 546,870 6.30 77.66
6 State Central Bank Bonaparte, Iowa commercial 53.52 2.40 43,032 5.57 185.10
7 Northpointe Bank Grand Rapids, Mich. commercial 53.12 32.10 547,104 4.99 51.47
8 American Bank Bozeman, Mont. commercial 52.72 11.85 348,142 5.38 40.44
9 Goldwater Bank Scottsdale, Ariz. commercial 50.79 13.43 157,121 3.56 94.21
10 State Bank of Colon Neb. commercial 50.28 2.78 16,121 5.23 37.50
11 1880 Bank Cambridge, Md. commercial 48.67 6.48 305,914 6.53 65.26
12 Champion Bank Parker, Colo. commercial 48.40 20.19 46,533 7.23 94.29
13 United Bank of Philadelphia Pa. commercial 46.70 -14.97 54,493 2.33 75.68
14 Bank of Montana Missoula commercial 44.06 11.99 56,390 4.90 36.55
15 Boundary Waters Bank Ely, Minn. commercial 40.48 10.63 116,494 3.78 142.47
16 Great Plains Bank Eureka, S.D. commercial 39.55 14.39 94,206 4.91 32.45
17 First Home Bank Seminole, Fla. commercial 36.39 23.69 122,317 3.50 47.38
18 Village Bank St. Francis, Minn. commercial 36.38 23.45 224,717 3.54 51.19
19 Citizens State Bank Miles, Texas commercial 36.15 32.38 129,416 2.92 41.18
20 American Metro Bank Chicago commercial 34.77 -1.65 62,639 4.03 49.96
21 Farmers & Merchants Bank Lakeland, Ga. commercial 34.34 28.00 542,489 1.07 67.84
22 Farmers and Merchants State Bank Plankinton, S.D. commercial 34.10 26.80 103,945 3.29 35.14
23 Citizens State Bank of La Crosse Wis. commercial 33.13 35.91 209,022 2.84 46.51
24 Almena State Bank Kan. commercial 33.12 13.28 66,045 3.04 55.38
25 Texas Bank Financial Weatherford commercial 32.72 34.09 195,166 3.00 69.18
26 NOA Bank Duluth, Ga. commercial 32.06 29.45 262,124 4.19 47.69
27 First Bank Burkburnett, Texas commercial 31.78 20.93 365,078 3.15 60.07
28 Ridgestone Bank Brookfield, Wis. commercial 31.66 10.03 444,580 4.37 43.13
29 State Bank of Bellingham Minn. commercial 31.33 23.10 47,522 3.04 20.91
30 Stockmans Bank Altus, Okla. commercial 30.04 25.29 191,026 2.44 56.03
31 Nebraska State Bank Oshkosh commercial 29.93 34.86 49,189 3.89 39.60
32 First Security Bank of Deer Lodge Mont. commercial 29.83 6.07 32,929 2.84 53.91
33 Riverside Bank Sparkman, Ark. commercial 29.43 30.74 61,943 2.65 49.73
34 First Bank of Chandler Okla. commercial 29.30 27.68 86,569 3.30 39.14
35 Tri Valley Bank Talmage, Neb. commercial 29.27 21.19 44,174 2.51 39.47
36 Bank 7 Oklahoma City commercial 29.08 32.34 593,199 2.72 40.99
37 Heritage State Bank Lawrenceville, Ill. commercial 29.07 24.19 95,816 2.88 45.98
38 Tri-State Bank of Memphis Tenn. commercial 28.92 -1.19 110,806 3.97 54.29
39 WoodTrust Bank Wisconsin Rapids, Wis. commercial 28.89 32.27 374,798 3.08 48.95
40 First State Bank Scottsbluff, Neb. commercial 28.82 21.05 246,132 2.94 42.73
41 Gwinnett Community Bank Duluth, Ga. commercial 28.77 -3.08 327,455 0.86 82.82
42 Waggoner National Bank of Vernon Texas commercial 28.73 18.96 275,790 4.02 36.31
43 Fidelity Bank West Des Moines, Iowa commercial 28.53 17.23 82,609 2.94 72.48
44 Cross River Bank Teaneck, N.J. commercial 28.45 27.18 467,310 3.17 45.58
45 Legacy State Bank Loganville, Ga. commercial 28.39 -7.11 80,601 1.61 66.38
46 Security State Bank Sutherland, Iowa commercial 28.38 29.75 120,264 2.60 32.67
47 Bank of Hydro Okla. commercial 28.09 27.98 125,501 2.60 43.31
48 Oklahoma State Bank Buffalo commercial 28.03 26.50 54,562 2.49 50.62
49 University Bank Ann Arbor, Mich. commercial 27.95 69.70 216,976 2.42 83.54
50 Haverford Trust Co. Radnor, Pa. commercial 27.91 35.71 121,475 4.69 83.51
51 Wallis State Bank Texas commercial 27.84 25.27 506,120 2.77 54.71
52 Bank of Glen Ullin N.D. commercial 27.69 27.94 57,591 2.81 36.82
53 First Federal Savings and Loan Bank Olathe, Kan. commercial 27.66 22.45 83,982 3.00 35.06
54 Central Bank Tampa, Fla. commercial 27.53 4.95 119,513 2.84 46.66
55 Morris State Bank Okla. commercial 27.30 26.20 76,488 2.28 60.77
56 Citizens Bank Amsterdam, Mo. commercial 27.06 24.37 60,456 2.05 62.78
57 Chippewa Valley Bank Winter, Wis. commercial 26.96 8.73 341,789 2.50 46.91
58 Parke Bank Sewell, N.J. commercial 26.95 8.96 925,914 3.84 20.63
59 Rockhold, Brown & Co. Bank Bainbridge, Ohio commercial 26.94 5.91 34,063 2.59 62.58
60 State Bank of Texas Dallas commercial 26.86 28.90 680,138 5.07 21.76
61 Peoples National Bank Colorado Springs, Colo. commercial 26.74 33.10 352,185 2.60 73.81
62 Superior Bank Hazelwood, Mo. commercial 26.56 -37.06 29,501 1.68 93.04
63 Citizens Bank Amarillo, Texas commercial 26.55 21.02 147,556 2.57 46.52
64 Brunswick State Bank Neb. commercial 26.46 22.61 98,319 2.68 48.37
65 Crockett National Bank San Antonio commercial 26.28 29.29 613,478 2.62 73.70
66 Guaranty Bank & Trust Co. of Delhi La. commercial 26.16 30.31 203,613 2.29 57.45
67 North American Banking Co. Roseville, Minn. commercial 26.08 13.17 388,689 2.46 47.72
68 St. Martin Bank and Trust Co. St. Martinville, La. commercial 26.03 25.08 554,386 2.61 48.49
69 Quantum National Bank Suwanee, Ga. commercial 25.90 16.22 400,257 2.78 34.90
70 Bank of Cordell Okla. commercial 25.89 21.04 43,480 2.09 53.45
71 First Financial Bank El Dorado, Ark. commercial 25.86 26.90 886,902 3.23 52.76
72 Prime Bank Edmond, Okla. commercial 25.81 27.43 249,791 2.65 40.86
73 Five Star Bank Rocklin, Calif. commercial 25.61 21.40 786,906 2.13 39.43
74 Federation Bank Washington, Iowa commercial 25.58 6.87 115,147 2.52 49.92
75 Peoples State Bank Summit, S.D. commercial 25.55 26.76 64,886 2.84 37.44
76 Merit Bank Overland Park, Kan. commercial 25.30 8.75 100,623 2.46 68.03
77 Farmers and Merchants State Bank of Blooming Prairie Minn. commercial 25.04 26.38 83,387 2.18 51.50
78 First National Bank in Howell Mich. commercial 24.80 4.32 361,358 2.54 75.88
79 AmeriState Bank Atoka, Okla. commercial 24.77 10.73 224,113 2.29 61.24
80 Freedom Bank Huntingburg, Ind. commercial 24.74 23.81 367,266 2.57 35.53
81 Coffee County Bank Manchester, Tenn. commercial 24.73 20.28 153,449 3.03 46.52
82 NewFirst National Bank El Campo, Texas commercial 24.67 17.53 637,351 2.68 52.17
83 Bloomsdale Bank Mo. commercial 24.47 25.28 219,988 2.56 45.04
84 New Century Bank Belleville, Kan. commercial 24.44 20.31 41,105 2.48 62.90
85 Citizens Bank of Cochran Ga. commercial 24.40 2.60 74,357 3.29 91.05
86 National Bank of Andrews Texas commercial 24.17 26.00 171,383 2.89 53.76
87 Auburn Banking Co. Ky. commercial 24.01 23.64 76,756 2.02 58.43
  Continental Bank Salt Lake City commercial 24.01 14.27 165,850 4.16 42.36
89 Coleman County State Bank Texas commercial 23.95 22.49 102,796 2.45 56.48
90 The Bank Oberlin, Kan. commercial 23.87 22.28 347,231 2.59 30.84
  Horizon Bank SSB Austin, Texas savings 23.87 17.68 693,152 1.99 54.33
92 First National Bank of America East Lansing, Mich. commercial 23.83 23.80 929,513 2.36 43.49
93 Sound Banking Co. Tacoma, Wash. commercial 23.81 16.48 64,728 2.07 53.38
94 First Colorado National Bank Paonia commercial 23.75 15.76 60,217 4.33 60.57
95 Peoples Bank Lawrence, Kan. commercial 23.69 31.99 532,533 2.45 83.73
96 Century Bank of the Ozarks Gainesville, Mo. commercial 23.67 20.01 173,362 2.19 56.73
97 Cowboy Bank of Texas Maypearl commercial 23.66 24.09 72,542 2.29 57.18
  FirsTier Bank Kimball, Neb. commercial 23.66 48.94 248,870 3.78 50.28
99 Prosper Bank Texas commercial 23.65 28.97 80,138 2.67 55.35
100 First National Bank Arcadia, La. commercial 23.61 20.90 241,181 1.93 64.98
101 Texas Brand Bank Garland commercial 23.56 8.02 153,332 2.49 49.00
102 Home State Bank Loveland, Colo. commercial 23.54 13.71 884,455 2.27 50.74
  Security Bank Tulsa, Okla. commercial 23.54 21.14 489,830 2.85 34.04
104 1st Bank & Trust Broken Bow, Okla. commercial 23.47 31.59 136,544 2.08 49.82
105 ACB Bank Cherokee, Okla. commercial 23.43 31.71 112,559 2.04 46.23
106 Wyoming Bank & Trust Cheyenne commercial 23.41 24.94 164,160 2.58 79.50
107 Farmers Exchange Bank Cherokee, Okla. commercial 23.19 29.53 327,951 2.15 39.39
108 Avidbank Palo Alto, Calif. commercial 23.17 3.02 639,964 2.30 44.84
109 Millennium Bank Des Plaines, Ill. commercial 23.16 27.60 82,357 2.26 60.03
110 First Bank & Trust Co. Wagoner, Okla. commercial 23.12 22.37 281,668 2.78 44.84
111 Wells Bank Platte City, Mo. commercial 23.01 27.44 194,413 2.31 48.59
112 Brighton Bank Tenn. commercial 22.97 -1.14 55,302 1.06 82.18
113 Bank of Geneva Ind. commercial 22.94 20.48 231,309 2.69 45.26
114 Bank of Newington Ga. commercial 22.92 36.67 104,864 1.96 54.77
115 Willamette Valley Bank Salem, Ore. commercial 22.91 11.72 172,677 2.61 76.30
116 Farmers Bank and Trust Co. Blytheville, Ark. commercial 22.89 23.20 483,152 2.13 49.91
  Luana Savings Bank Iowa commercial 22.89 24.12 814,121 2.12 33.73
118 Welcome State Bank Minn. commercial 22.87 25.65 27,122 2.34 51.33
119 FirstOak Bank Independence, Kan. commercial 22.83 18.66 114,125 2.11 61.15
120 Security Bank USA Bemidji, Minn. commercial 22.82 24.24 133,493 2.14 58.14
121 Bank Northwest Hamilton, Mo. commercial 22.81 21.55 113,626 1.98 50.93
122 Patriot Bank Tulsa, Okla. commercial 22.80 17.06 278,789 2.49 37.05
123 First State Bank Boise City, Okla. commercial 22.69 16.56 73,183 2.00 47.23
124 United Southern Bank Hopkinsville, Ky. commercial 22.68 -15.11 248,870 2.13 60.09
125 BANKWEST Rockford, Minn. commercial 22.65 15.77 125,784 2.14 59.70
126 Midwest Bank Detroit Lakes, Minn. commercial 22.56 22.64 372,806 2.14 50.21
127 Bank of Baker Mont. commercial 22.54 28.48 145,963 2.29 44.55
  KodaBank Drayton, N.D. commercial 22.54 17.95 146,317 2.60 39.77
129 Regional Missouri Bank Marceline commercial 22.52 25.76 206,847 2.23 44.05
130 Brazos National Bank Richwood, Texas commercial 22.38 17.13 32,066 4.72 83.43
131 Ultima Bank Minnesota Winger commercial 22.32 24.61 169,733 2.11 53.88
132 Commercial State Bank of Wagner S.D. commercial 22.30 22.60 150,777 2.58 39.08
  Peoples State Bank McDonald, Kan. commercial 22.30 18.77 124,381 2.46 47.67
134 Citizens State Bank Marysville, Kan. commercial 22.29 17.41 319,776 2.33 35.73
135 Commerce National Bank & Trust Winter Park, Fla. commercial 22.04 10.81 88,456 2.61 75.78
136 Venture Bank Bloomington, Minn. commercial 22.03 25.32 588,240 2.15 52.25
137 Yampa Valley Bank Steamboat Springs, Colo. commercial 21.99 21.04 235,825 2.07 58.01
138 First Neodesha Bank Kan. commercial 21.93 16.30 93,571 2.06 53.29
139 South Georgia Bank Glennville commercial 21.88 20.03 139,776 2.44 55.35
140 Security Bank and Trust Co. Paris, Tenn. commercial 21.87 19.86 202,364 2.05 44.22
141 First Community Bank of Central Alabama Wetumpka commercial 21.85 22.37 344,168 1.84 52.55
142 Community Bank Mankato Vernon Center, Minn. commercial 21.78 22.92 253,704 1.69 58.33
143 Bank of Mauston Wis. commercial 21.77 19.75 282,663 2.47 38.12
144 Central National Bank Waco, Texas commercial 21.73 19.11 767,474 1.91 47.58
  Community Bank Longview, Texas commercial 21.73 22.87 210,756 2.09 42.70
146 Brighton Bank Salt Lake City commercial 21.72 13.71 194,490 2.67 52.15
  North Shore Bank of Commerce Duluth, Minn. commercial 21.72 17.79 255,801 1.43 75.56
  Town and Country Bank Midwest Quincy, Ill. commercial 21.72 19.49 183,102 2.22 46.30
149 Bank of Hemet Riverside, Calif. commercial 21.67 23.54 651,842 2.02 46.68
150 City National Bank of Sulphur Springs Texas commercial 21.63 17.78 467,818 2.32 60.97
151 Peoples Savings Bank Elma, Iowa commercial 21.57 18.32 63,802 2.18 49.24
152 Farmers National Bank of Griggsville Ill. commercial 21.54 19.26 81,334 2.04 54.81
153 Marine Bank Springfield, Ill. commercial 21.51 10.15 604,345 2.35 58.52
154 Bank of Nebraska La Vista commercial 21.48 13.15 148,861 1.98 68.93
155 State Savings Bank Creston, Iowa commercial 21.45 23.98 107,615 1.92 52.26
156 First National Bank of Central Texas Waco commercial 21.44 22.03 735,517 1.94 49.88
157 Southwest Capital Bank Albuquerque, N.M. commercial 21.43 27.27 345,199 2.21 53.75
158 State Bank of New Richland Minn. commercial 21.39 25.03 100,847 2.16 34.48
159 Farmers and Merchants Bank of Kendall Wis. commercial 21.38 21.35 73,044 2.94 47.21
160 Horizon Bank Waverly, Neb. commercial 21.36 14.61 257,319 2.49 38.94
161 The Bank McAlester, Okla. commercial 21.22 18.77 354,112 2.27 58.57
  Metro City Bank Doraville, Ga. commercial 21.22 21.17 793,267 2.63 43.55
163 Crowell State Bank Texas commercial 21.05 21.13 36,397 2.03 57.85
164 Community First Bank Butler, Mo. commercial 21.04 20.45 170,255 1.77 50.94
  Ericson State Bank Neb. commercial 21.04 17.74 79,288 1.97 46.17
166 Reliabank Dakota Estelline, S.D. commercial 21.03 19.27 314,427 2.06 55.14
167 PrinsBank Prinsburg, Minn. commercial 21.02 31.33 126,058 2.79 39.09
168 Security National Bank of Enid Okla. commercial 21.01 22.36 324,888 1.82 48.58
169 Points West Community Bank Julesburg, Colo. commercial 20.92 22.06 225,020 2.10 49.07
170 Quail Creek Bank Oklahoma City commercial 20.90 23.27 592,522 2.17 49.32
171 Central Bank and Trust Lander, Wyo. commercial 20.89 17.51 154,062 1.92 56.31
  Jonesburg State Bank Mo. commercial 20.89 22.73 73,336 1.71 63.43
173 Premier Bank Rock Valley, Iowa commercial 20.87 22.76 343,751 2.53 30.76
174 Citizens First National Bank Storm Lake, Iowa commercial 20.82 17.80 221,888 2.10 40.05
  State Bank Hoxie, Kan. commercial 20.82 18.96 148,575 2.63 38.31
176 Grant County State Bank Swayzee, Ind. commercial 20.81 19.78 141,136 2.13 38.12
177 Citizens National Bank of Bluffton Ohio commercial 20.75 20.52 750,816 1.96 53.43
  First Bank of Berne Ind. commercial 20.75 20.34 622,195 1.99 52.55
179 Dakota Community Bank & Trust Hebron, N.D. commercial 20.71 25.39 748,557 1.80 56.77
180 West Gate Bank Lincoln, Neb. commercial 20.70 10.11 459,580 2.23 59.66
181 Flagler Bank West Palm Beach, Fla. commercial 20.69 15.93 216,844 1.93 49.26
182 Peoples Bank & Trust Pana, Ill. commercial 20.66 11.56 390,045 1.96 52.57
183 High Plains Bank Keyes, Okla. commercial 20.65 20.70 80,537 2.33 46.43
184 Commercial State Bank Palmer, Texas commercial 20.60 18.98 69,577 1.86 62.81
185 Bank of England Ark. commercial 20.59 24.30 343,943 2.46 88.10
  NSB Bank Mason City, Iowa commercial 20.59 19.46 193,470 1.96 46.31
187 Valor Bank Grandfield, Okla. commercial 20.56 5.55 47,941 2.02 68.13
188 Douglas National Bank Ga. commercial 20.54 17.93 169,551 2.47 50.63
189 Peoples Community Bank Greenville, Mo. commercial 20.48 20.52 421,603 3.07 41.24
190 Great Plains National Bank Elk City, Okla. commercial 20.46 32.79 542,760 2.19 69.78
191 Grant County State Bank Carson, N.D. commercial 20.38 19.64 35,088 2.32 47.34
  Walker State Bank Iowa commercial 20.38 9.91 40,831 2.11 40.53
193 Citizens Bank New Tazewell, Tenn. commercial 20.34 5.41 162,606 1.75 69.06
  FirstBank Antlers, Okla. commercial 20.34 18.44 310,334 1.69 68.72
  Volunteer State Bank Portland, Tenn. commercial 20.34 30.08 603,850 2.19 71.23
196 Clear Lake Bank and Trust Co. Iowa commercial 20.33 20.12 368,521 1.86 54.42
  Mississippi River Bank Belle Chasse, La. commercial 20.33 13.12 119,437 2.58 51.15
198 Tolleson Private Bank Dallas commercial 20.31 20.20 541,076 1.49 55.84
199 State Bank of De Kalb Texas commercial 20.29 20.98 185,378 2.48 52.68
200 Farmers Bank and Trust Co. Marion, Ky. commercial 20.27 13.46 168,653 2.68 49.30

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. 15, 2016. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2016 American Banker