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 Return on Average EquityOn June 30, 2011. Dollars in thousands.
Published November 21, 2011

Rank Type of
institution
Return on average equity Total
assets
Return on
average assets
Efficiency
ratio
2Q 2011 2Q 2010
1 Palm Desert National Bank Calif. commercial 101.32% -82.55% $144,119 3.70% 74.90%
2 Bank of Montgomery La. commercial 97.94 40.99 178,958 8.48 29.14
3 United Kentucky Bank of Pendleton County Falmouth commercial 95.98 1.26 27,823 7.40 29.92
4 Bank of Jackson County Graceville, Fla. commercial 68.61 -110.09 30,868 1.34 98.44
5 First National Bank of Crestview Fla. commercial 63.46 -135.27 112,847 4.38 36.87
6 First Credit Bank Los Angeles commercial 52.88 12.35 488,278 13.92 15.81
7 Premier Community Bank of the Emerald Coast Crestview, Fla. commercial 52.70 -8.59 143,724 1.20 102.14
8 Oxford Bank Mich. commercial 50.79 -54.81 274,408 1.81 88.02
9 Live Oak Banking Co. Wilmington, N.C. commercial 49.96 54.63 231,908 5.32 58.75
10 Bank of Minden Mindenmines, Mo. commercial 48.36 5.31 30,495 6.15 88.11
11 Sun Security Bank Ellington, Mo. commercial 46.58 5.43 355,854 0.91 67.41
12 Continental Bank Salt Lake City commercial 45.88 100.20 108,304 9.12 27.86
13 Presidio Bank San Francisco commercial 45.49 3.57 302,634 6.43 81.87
14 Bank of Vici Okla. commercial 44.90 15.53 41,195 3.37 71.10
15 Westside State Bank Iowa commercial 44.68 18.88 68,950 3.83 59.40
16 Colorado Valley Bank SSB La Grange, Texas savings 43.09 -35.00 28,224 2.93 69.76
17 Bank 7 Oklahoma City commercial 40.94 28.06 184,921 4.47 34.70
18 Hometown Bank Webster, Mass. cooperative 40.74 8.56 308,076 4.15 38.22
19 City Bank and Trust Co. Lincoln, Neb. commercial 39.76 0.39 202,132 4.54 63.11
20 SouthernTrust Bank Goreville, Ill. commercial 39.27 -1.38 53,061 3.44 79.28
21 Riverside Bank Sparkman, Ark. commercial 39.01 48.61 59,229 3.01 44.12
22 Providence Bank of Texas Southlake savings 38.61 7.98 100,743 3.48 56.08
23 Virginia Partners Bank Fredericksburg commercial 38.32 -1.35 157,570 4.40 78.53
24 Bank of Buffalo Ky. commercial 36.72 27.38 69,206 3.34 29.59
25 Wells Bank of Platte City Mo. commercial 35.14 32.92 90,877 2.53 48.12
26 Charter Bank Corpus Christi, Texas commercial 33.47 33.79 187,717 2.70 52.04
27 Bank of Hydro Okla. commercial 32.50 19.84 115,249 2.68 37.89
28 Bank of the West El Paso, Texas commercial 32.27 25.90 925,005 2.74 46.29
29 Bank of Rantoul Ill. commercial 32.17 31.39 209,454 2.80 33.54
30 Heritage State Bank Lawrenceville, Ill. commercial 31.36 33.12 74,084 2.85 48.15
31 White Rock Bank Cannon Falls, Minn. commercial 31.05 12.25 126,780 3.06 54.07
32 Vermont State Bank Ill. commercial 30.62 24.65 14,610 2.95 60.73
33 Americana Community Bank Sleepy Eye, Minn. commercial 30.27 -166.21 124,642 0.96 81.36
34 Bank of Morton Miss. commercial 30.17 20.32 57,869 3.31 54.95
35 CheckSpring Bank Bronx, N.Y. commercial 30.16 -26.92 56,490 3.92 65.15
36 FirstBank Antlers, Okla. commercial 29.97 24.47 214,731 2.43 64.14
37 Oklahoma State Bank Buffalo commercial 29.90 31.42 46,404 2.19 57.16
38 First National Bank of Las Animas Colo. commercial 29.66 12.37 244,245 3.30 62.48
39 Security State Bank Sutherland, Iowa commercial 29.56 30.57 77,251 2.54 40.87
40 Kennett National Bank Mo. commercial 29.13 7.39 102,089 3.16 63.98
41 Citizens State Bank of La Crosse Wis. commercial 29.08 32.34 102,723 2.35 51.03
42 Bank of Baker Mont. commercial 28.94 33.31 115,916 2.51 36.28
43 Crestmark Bank Troy, Mich. commercial 28.85 21.63 307,375 3.39 60.15
44 First Financial Bank El Dorado, Ark. commercial 28.83 26.41 762,893 2.58 56.20
45 United Community Bank of North Dakota Leeds commercial 28.76 0.89 208,825 2.41 41.60
46 State Bank of New Richland Minn. commercial 28.75 27.85 89,832 2.56 39.13
47 Security Bank and Trust Co. Paris, Tenn. commercial 28.62 26.08 164,437 2.75 39.48
48 First National Bank Fabens, Texas commercial 28.58 33.24 316,873 2.32 47.84
49 Community Bank Longview, Texas commercial 28.17 34.17 149,846 1.85 54.69
50 Citizens State Bank Okemah, Okla. commercial 28.10 28.59 139,687 2.68 34.14
51 Casey State Bank Ill. commercial 27.99 21.82 247,365 2.52 45.01
52 Great Plains National Bank Elk City, Okla. commercial 27.57 30.46 372,000 2.40 61.27
53 Fidelity Bank of Florida Merritt Island commercial 27.48 -38.48 370,980 1.12 65.58
54 Commercial Capital Bank Delhi, La. commercial 27.18 25.30 43,790 3.15 50.44
55 American Interstate Bank Elkhorn, Neb. commercial 27.09 27.20 111,262 2.34 41.52
56 First American Bank Stonewall, Okla. commercial 26.83 24.66 23,444 2.89 55.04
57 Petersburg State Bank Neb. commercial 26.66 23.11 32,255 2.10 51.27
58 Farmers and Merchants State Bank Plankinton, S.D. commercial 26.61 26.80 77,002 2.54 42.07
59 Farmers Bank Carnegie, Okla. commercial 26.56 29.35 54,901 2.46 53.95
60 Midwest Bank Detroit Lakes, Minn. commercial 26.52 20.43 277,800 2.42 51.94
61 Auburn Banking Co. Ky. commercial 26.50 25.13 66,415 2.10 54.55
62 First State Bank of Bedias Texas commercial 26.34 32.57 138,930 2.70 40.44
63 Crown Bank Brick, N.J. commercial 26.32 21.71 534,247 3.49 37.76
64 Grand Marais State Bank Minn. commercial 26.28 21.48 69,742 2.13 56.08
65 1st Capital Bank Monterey, Calif. commercial 26.19 2.94 229,203 3.47 69.88
66 Landmands Bank Audubon, Iowa commercial 26.18 23.10 60,654 2.49 52.94
67 Bank of DeSoto Texas commercial 26.14 22.68 163,419 2.69 54.15
68 Quail Creek Bank Oklahoma City commercial 26.12 25.00 453,539 2.44 42.87
69 Mainland Bank Texas City, Texas commercial 26.04 37.12 93,300 2.24 56.79
70 Goodfield State Bank Ill. commercial 26.01 32.28 67,996 3.07 44.23
71 Lyons State Bank Kan. commercial 25.93 1.83 109,524 2.03 73.35
72 Cowboy Bank of Texas Maypearl commercial 25.89 28.13 45,467 2.47 59.60
73 First National Bank of Central Texas Waco commercial 25.88 20.64 570,194 2.03 50.32
74 First National Bank George West, Texas commercial 25.78 16.22 212,255 2.76 48.22
75 Brunswick State Bank Neb. commercial 25.74 26.49 74,463 2.49 43.89
76 Southwest National Bank Wichita, Kan. commercial 25.73 26.08 356,380 2.31 52.45
77 First State Bank Louise, Texas commercial 25.71 28.71 266,871 2.12 60.85
78 Farmers and Merchants State Bank of Pierz Minn. commercial 25.62 30.45 164,770 2.66 47.70
Morris State Bank Okla. commercial 25.62 26.95 63,518 2.28 55.37
80 Northwoods State Bank Mason City, Iowa commercial 25.60 20.11 146,662 2.10 55.36
81 Peoples State Bank McDonald, Kan. commercial 25.58 18.40 98,674 2.25 59.00
82 Farmers Savings Bank Colesburg, Iowa commercial 25.53 21.10 143,292 2.20 36.36
83 Amerasia Bank Flushing, N.Y. commercial 25.52 15.78 244,835 2.49 37.62
84 Lamar Bank and Trust Co. Mo. commercial 25.49 28.23 121,576 2.39 48.92
Peoples Bank Mendenhall, Miss. commercial 25.49 24.82 217,022 2.33 48.07
86 City National Bank of Sulphur Springs Texas commercial 25.41 19.42 414,346 2.17 63.46
87 Texas Bank Brownwood commercial 24.94 21.37 287,222 3.11 45.95
88 Lowry State Bank Minn. commercial 24.93 14.10 36,314 2.34 50.99
Prime Bank Edmond, Okla. commercial 24.93 22.05 118,698 2.22 46.92
90 First National Bank South Alma, Ga. commercial 24.92 11.31 318,972 2.73 45.85
91 Peoples Community Bank Greenville, Mo. commercial 24.88 18.35 125,772 3.74 41.08
92 Bank of Lindsay Neb. commercial 24.84 17.84 35,772 1.96 48.27
93 Embassy National Bank Lawrenceville, Ga. commercial 24.82 1.90 56,369 3.40 66.69
94 Taylor County Bank Campbellsville, Ky. commercial 24.80 19.64 151,939 2.49 48.16
95 Premier Bank Rock Valley, Iowa commercial 24.78 26.50 223,390 2.61 34.34
96 Lusk State Bank Wyo. commercial 24.75 28.43 43,607 2.38 54.07
97 Provident Bank MHC Amesbury, Mass. savings 24.71 7.57 499,307 2.31 73.05
98 Union Bank of Mena Ark. commercial 24.70 23.94 178,184 2.24 58.04
99 Bank Northwest Hamilton, Mo. commercial 24.61 23.23 94,135 2.02 52.71
100 Ameristate Bank Atoka, Okla. commercial 24.58 17.48 207,170 2.07 60.43
101 First Community National Bank Cuba, Mo. commercial 24.51 15.68 228,859 1.94 58.97
102 First Bank of Berne Ind. commercial 24.50 23.98 425,534 2.44 45.58
103 Security First Bank Cheyenne, Wyo. commercial 24.43 3.56 61,783 2.60 56.12
104 Liberty State Bank Powers Lake, N.D. commercial 24.22 22.02 51,231 2.18 42.57
105 State Bank of Burnettsville Ind. commercial 24.21 5.98 37,183 2.67 62.66
106 People's Bank of Seneca Mo. commercial 24.14 18.40 88,006 1.98 40.04
107 St. Martin Bank and Trust Co. St. Martinville, La. commercial 24.12 18.86 335,084 2.81 51.67
108 Peoples State Bank Blair, Okla. commercial 24.06 20.44 16,550 2.28 62.91
109 Jefferson Bank Fayette, Miss. commercial 24.00 117.91 92,514 3.94 9.31
110 First National Bank of Muskogee Okla. commercial 23.93 12.19 163,119 2.07 58.00
111 Guaranty Bank and Trust Co. of Delhi La. commercial 23.89 21.02 121,068 2.41 52.56
112 Commercial State Bank of Wagner S.D. commercial 23.87 17.34 131,745 2.29 45.38
113 WoodTrust Bank Wisconsin Rapids, Wis. commercial 23.84 22.20 313,988 2.63 54.07
114 Brush Country Bank Freer, Texas commercial 23.81 27.95 41,590 2.20 58.40
The Bank Oberlin, Kan. commercial 23.81 29.89 191,149 2.34 36.50
116 Bank of Hemet Riverside, Calif. commercial 23.80 18.94 452,224 2.73 44.28
117 Metz Banking Co. Nevada, Mo. commercial 23.76 20.07 63,775 2.36 46.63
118 Bank of Bloomsdale Mo. commercial 23.75 25.10 196,319 2.23 42.33
119 UNICO Bank Mineral Point, Mo. commercial 23.71 29.42 233,688 2.03 58.10
120 McKenzie County Bank Watford City, N.D. commercial 23.70 -1.42 90,224 1.66 48.17
121 Ultima Bank Minnesota Winger commercial 23.55 22.31 115,653 2.22 55.54
122 First State Bank of Brownsboro Texas commercial 23.48 18.54 89,131 2.04 68.39
123 Heartland State Bank Redfield, S.D. commercial 23.43 20.01 68,451 2.14 57.44
124 Vista Bank Ralls, Texas commercial 23.38 -0.76 210,517 2.11 56.23
125 Community First Bank New Iberia, La. commercial 23.35 22.04 243,452 2.05 52.66
Horizon Bank SSB Austin, Texas savings 23.35 30.24 247,987 1.88 59.87
127 Bank of Utah Ogden commercial 23.32 16.09 716,833 2.67 69.17
Lone Star State Bank Texas commercial 23.32 28.45 35,716 2.01 44.63
129 Great Plains Bank Eureka, S.D. commercial 23.30 11.46 98,305 1.98 52.56
130 Farmers and Merchants Bank of Kendall Wis. commercial 23.27 28.92 55,443 2.82 41.17
131 Bank of Grove Okla. commercial 23.22 12.00 94,936 1.69 51.53
Community First Bank of the Heartland Mount Vernon, Ill. commercial 23.22 21.10 94,214 2.34 48.77
133 Crockett National Bank San Angelo, Texas commercial 23.21 18.75 287,021 2.48 47.69
134 South Lafourche Bank and Trust Co. Larose, La. commercial 23.18 22.85 162,449 1.86 58.44
135 Bank of Commerce Duncan, Okla. commercial 23.17 16.72 147,172 2.39 48.24
136 Peoples State Bank Summit, S.D. commercial 23.12 22.94 50,140 2.40 42.44
137 Marion County State Bank Pella, Iowa commercial 23.08 23.20 229,526 2.51 34.77
138 Nebraska State Bank Oshkosh commercial 23.01 23.50 46,083 2.21 58.63
139 Coleman County State Bank Coleman, Texas commercial 22.98 20.34 76,475 2.36 63.92
140 Exchange Bank Gibbon, Neb. commercial 22.94 16.89 221,120 2.14 40.56
141 Bank of Montana Missoula commercial 22.91 3.57 25,308 3.33 57.95
142 AimBank Littlefield, Texas commercial 22.90 18.01 271,729 1.85 58.02
143 Audubon State Bank Iowa commercial 22.85 18.95 85,808 1.93 54.88
144 Farmers and Merchants Savings Bank Waukon, Iowa commercial 22.83 29.24 127,355 2.01 44.32
145 Peoples Bank and Trust Pana, Ill. commercial 22.74 13.70 267,608 2.01 55.68
146 Security First National Bank of Hugo Okla. commercial 22.73 21.78 105,880 1.77 48.90
147 Sabine State Bank and Trust Co. Many, La. commercial 22.69 44.02 702,700 1.58 61.75
148 Corydon State Bank Iowa commercial 22.60 19.39 74,605 3.31 17.84
Venture Bank Bloomington, Minn. commercial 22.60 16.31 291,076 2.02 52.27
150 First State Bank Scottsbluff, Neb. commercial 22.58 22.05 212,773 2.03 47.81
151 Buffalo Ridge Bank Beardsley, Minn. commercial 22.53 26.13 39,378 1.83 48.34
152 First State Bank of Le Center Minn. commercial 22.50 14.66 66,315 2.43 51.21
153 Caldwell Bank and Trust Co. Columbia, La. commercial 22.48 18.07 93,051 2.21 60.73
154 Bank of Union El Reno, Okla. commercial 22.46 41.74 366,894 2.04 36.14
155 Citizens National Bank of Bluffton Ohio commercial 22.45 18.01 564,623 2.08 54.14
156 Exchange Bank and Trust Co. Perry, Okla. commercial 22.40 9.10 192,266 2.01 53.28
157 Middletown State Bank Ill. commercial 22.32 25.59 25,039 2.20 42.50
158 NewBank Flushing, N.Y. commercial 22.29 9.77 132,851 2.44 44.35
159 Clear Lake Bank and Trust Co. Iowa commercial 22.25 20.30 243,465 1.93 53.86
160 Jackson County Bank Black River Falls, Wis. commercial 22.23 20.20 202,341 2.19 48.08
161 First State Bank of Colfax Iowa commercial 22.17 18.35 67,143 2.88 24.88
162 Bank of Mauston Wis. commercial 22.16 22.04 238,136 2.43 46.25
163 Bank of Houston Mo. commercial 22.10 -5.61 46,449 2.42 58.15
Central State Bank Clayton, Ill. commercial 22.10 21.39 91,728 3.11 47.25
165 Farmers and Merchants State Bank of Blooming Prairie Minn. commercial 22.08 27.24 70,501 1.80 62.26
166 Dakota Community Bank and Trust Hebron, N.D. commercial 22.04 25.87 497,586 1.58 60.78
167 First National Bank of Burleson Texas commercial 21.91 19.82 178,307 1.95 52.32
168 Bank of Beaver City Beaver, Okla. commercial 21.89 12.27 136,247 1.55 63.07
169 Bank of Cashton Wis. commercial 21.88 9.06 60,261 2.11 56.14
Basile State Bank La. commercial 21.88 15.80 51,712 2.06 63.43
171 Bank of Las Vegas N.M. commercial 21.82 13.42 185,010 2.13 51.28
172 Great Plains National Bank Belfield, N.D. commercial 21.80 17.78 142,668 2.03 43.19
173 Community Bank Bristow, Okla. commercial 21.76 19.69 76,541 1.48 58.11
Viking State Bank and Trust Decorah, Iowa commercial 21.76 21.49 107,735 2.21 42.11
175 Wallis State Bank Texas commercial 21.74 10.55 351,189 2.02 58.12
176 Bank of Steinauer Neb. commercial 21.73 14.48 11,067 1.91 59.85
177 Citizens State Bank Miles, Texas commercial 21.72 29.55 84,710 1.75 55.14
178 NewFirst National Bank El Campo, Texas commercial 21.71 14.54 421,261 2.02 62.45
179 Mid America Bank Linn, Mo. commercial 21.69 23.71 262,221 1.59 61.82
180 Cache Valley Bank Logan, Utah commercial 21.61 8.87 295,509 2.72 39.58
181 Ruby Valley National Bank Twin Bridges, Mont. commercial 21.58 23.95 76,798 2.97 43.87
182 Farmers Trust and Savings Bank Spencer, Iowa commercial 21.51 18.19 290,245 1.87 46.09
First National Bank of Picayune Miss. commercial 21.51 22.10 209,549 2.32 48.54
184 American Exchange Bank Henryetta, Okla. commercial 21.48 5.30 73,062 1.98 67.39
185 Cornerstone Bank York, Neb. commercial 21.47 14.18 989,024 1.78 58.51
First Bank of Chandler Okla. commercial 21.47 17.42 74,232 2.13 47.35
187 Delta Bank Vidalia, La. commercial 21.42 27.07 214,876 1.81 58.80
Jonesburg State Bank Mo. commercial 21.42 20.34 63,874 1.84 60.59
189 ACB Bank Cherokee, Okla. commercial 21.41 16.10 69,343 1.69 55.74
190 First Community Bank of Central Alabama Wetumpka commercial 21.35 23.27 286,624 1.74 50.05
191 Clinton State Bank Minn. commercial 21.34 23.28 65,567 2.74 30.00
Town and Country Bank of Quincy Ill. commercial 21.34 19.36 106,747 2.41 53.33
193 Peoples Community State Bank Doniphan, Mo. commercial 21.28 21.25 129,515 3.06 42.31
194 Bank of the Wichitas Snyder, Okla. commercial 21.24 25.68 124,829 1.85 59.60
Stonegate Bank Fort Lauderdale, Fla. commercial 21.24 3.68 839,384 2.96 31.37
196 State Bank of Hawley Minn. commercial 21.22 22.34 86,164 1.99 59.40
197 State Bank of Lake Park Minn. commercial 21.20 13.59 30,785 1.66 69.07
198 Garden City State Bank Kan. commercial 21.17 15.11 63,586 2.64 50.00
199 Farmers and Merchants State Bank of Cawker City Kan. commercial 21.16 24.52 16,928 1.68 57.31
200 Peoples Bank Cuba, Mo. commercial 21.10 18.33 170,237 2.25 54.98

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 Sept. 21, 2011. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2011 American Banker