Community Banks with the Highest Returns on Average Equity

January 11, 2012, 3:24 p.m. EST 1 Min Read

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Community Banks with the Highest Return on Average EquityAnnualized returns for the quarter ended Sept. 30. Dollars in thousands. Published January 11, 2012
Rank		Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank		Type of institution	3Q 2011	3Q 2010	Total assets	Return on average assets	Efficiency ratio
1	Iowa State Bank Clarksville	commercial	126.82%	15.92%	$205,729	8.28%	-121.23%
2	American First National Bank Houston	commercial	118.39	9.96	967,540	12.40	9.05
3	First Bank Roxton Texas	commercial	92.93	2.90	53,303	6.49	104.40
4	Lyons State Bank Kan.	commercial	64.11	10.37	88,531	6.17	23.62
5	Capital Bank Rockville, Md.	commercial	60.85	9.92	325,141	5.15	75.99
6	First General Bank Rowland Heights, Calif.	commercial	60.62	6.06	510,810	5.35	26.71
7	Bank 7 Oklahoma City	commercial	55.86	22.28	201,285	6.35	31.36
8	Live Oak Banking Co. Wilmington, N.C.	commercial	54.38	71.67	259,006	6.09	51.78
9	Enterprise Bank of Florida North Palm Beach	commercial	53.71	0.93	240,259	5.90	64.06
10	Points West Community Bank Julesburg, Colo.	commercial	50.43	14.37	201,051	4.15	35.64
11	Continental Bank Salt Lake City	commercial	48.78	64.10	107,728	11.34	27.27
12	Flagler Bank West Palm Beach, Fla.	commercial	47.09	-16.00	113,063	2.88	93.77
13	Security Bank and Trust Co. Paris, Tenn.	commercial	45.33	27.93	175,412	4.27	33.21
14	American Riviera Bank Santa Barbara, Calif.	commercial	43.38	9.31	135,720	6.79	75.00
15	American State Bank Arp, Texas	commercial	42.69	10.63	207,830	7.10	29.80
16	Citizens State Bank of La Crosse Wis.	commercial	42.19	48.91	105,015	3.44	40.98
17	Bank of Monticello Ga.	commercial	41.34	0.14	99,580	3.32	39.09
18	Riverside Bank Sparkman, Ark.	commercial	40.22	33.96	61,396	3.13	45.38
19	Xenith Bank Richmond, Va.	commercial	38.33	-15.17	468,614	6.69	35.85
20	First Financial Bank El Dorado, Ark.	commercial	38.13	31.20	779,842	3.48	47.85
21	Charter Bank Corpus Christi, Texas	commercial	36.04	33.25	200,561	2.90	50.04
22	Merchants Bank of Indiana Lynn	commercial	35.54	58.12	536,282	4.32	30.46
23	First Tuskegee Bank Ala.	commercial	35.07	44.71	66,726	3.11	63.27
24	Foothills Bank Yuma, Ariz.	commercial	33.81	9.82	284,261	3.64	33.65
25	Goodfield State Bank Ill.	commercial	33.80	44.35	68,471	4.23	38.03
26	Bank of Buffalo Ky.	commercial	33.22	35.86	70,509	3.14	32.38
27	Bank of Montgomery La.	commercial	33.10	28.46	173,179	3.15	47.86
	West Town Savings Bank Cicero, Ill.	savings	33.10	40.08	116,796	3.05	74.41
29	EvaBank Cullman, Ala.	commercial	32.70	8.37	369,307	2.08	44.84
30	Lowry State Bank Minn.	commercial	32.68	16.73	37,575	3.14	44.49
31	Central Bank Tampa, Fla.	commercial	32.62	10.00	79,697	4.13	63.97
32	Peoples State Bank McDonald, Kan.	commercial	32.57	23.93	108,596	2.78	52.07
33	First Southeast Bank Harmony, Minn.	commercial	32.07	13.46	79,503	2.50	66.18
34	First Star Bank SSB Bremond, Texas	savings	31.86	29.12	249,731	2.84	58.01
35	Bank of Baker Mont.	commercial	31.77	30.72	121,817	2.74	32.65
36	Citizens Bank Claude, Texas	commercial	31.76	13.31	112,129	3.25	67.48
37	UNICO Bank Mineral Point, Mo.	commercial	31.34	11.16	231,384	2.88	61.75
38	First Bank and Trust Co. Lubbock, Texas	commercial	31.31	1.71	530,732	2.81	61.35
39	Great Plains Bank Eureka, S.D.	commercial	31.27	22.23	99,804	2.60	35.80
40	State Bank of New Richland Minn.	commercial	31.06	25.37	90,517	2.94	35.01
41	Heritage State Bank Lawrenceville, Ill.	commercial	30.86	37.84	72,483	2.84	49.04
42	Bank of Hydro Okla.	commercial	30.84	22.22	116,065	2.48	42.31
43	Security State Bank Sutherland, Iowa	commercial	30.63	30.21	79,854	2.55	40.17
44	Morris State Bank Okla.	commercial	30.62	24.88	64,430	2.71	50.26
45	Main Street Bank Bingham Farms, Mich.	commercial	30.50	-27.64	98,723	2.35	76.12
46	Lubbock National Bank Texas	commercial	30.45	6.11	710,638	3.03	66.32
47	Community Bank Longview, Texas	commercial	30.16	36.05	154,025	1.98	53.59
	Great Plains National Bank Elk City, Okla.	commercial	30.16	30.17	379,334	2.66	58.57
49	Community South Bank Parsons, Tenn.	commercial	30.00	-43.58	591,878	1.42	69.57
50	United Community Bank of North Dakota Leeds	commercial	29.98	38.62	226,557	2.55	40.46
51	Dakota Community Bank and Trust Hebron, N.D.	commercial	29.59	25.73	531,568	2.16	53.61
52	Farmers Bank Carnegie, Okla.	commercial	29.57	22.18	55,147	2.74	49.69
53	Brunswick State Bank Neb.	commercial	29.47	41.62	74,698	2.86	42.06
54	Preston National Bank Dallas	commercial	29.43	10.78	57,974	4.21	50.04
55	Landmands Bank Audubon, Iowa	commercial	29.23	23.43	59,082	2.91	51.49
56	Bank of the West El Paso, Texas	commercial	29.22	25.84	972,004	2.48	47.41
57	Landmark Community Bank Collierville, Tenn.	commercial	29.13	5.27	278,714	3.24	56.67
58	First Colorado National Bank Paonia	commercial	29.11	-14.12	48,261	4.93	55.28
59	American Interstate Bank Elkhorn, Neb.	commercial	29.04	26.89	107,498	2.49	39.91
60	FirstBank Antlers, Okla.	commercial	28.78	31.73	220,184	2.35	66.13
61	Prime Bank Edmond, Okla.	commercial	28.73	23.94	128,825	2.82	42.90
62	First National Bank of Muskogee Okla.	commercial	28.66	24.03	161,510	2.48	54.85
63	Auburn Banking Co. Ky.	commercial	28.65	24.75	64,294	2.31	53.43
64	Guthrie County State Bank Panora, Iowa	commercial	28.54	19.26	108,860	2.56	60.30
65	American Trust and Savings Bank Dubuque, Iowa	commercial	28.47	12.61	849,188	3.18	68.09
66	Bank of Las Vegas N.M.	commercial	28.28	13.74	193,527	2.62	48.16
67	Alliant Bank Madison, Mo.	commercial	28.19	13.56	107,859	2.80	62.00
68	Farmers and Merchants Bank of Kendall Wis.	commercial	28.00	31.27	56,040	3.39	37.51
69	First State Bank Louise, Texas	commercial	27.83	23.55	280,245	2.42	55.01
70	Cowboy Bank of Texas Maypearl	commercial	27.82	20.99	48,391	2.73	55.94
71	Empire National Bank Islandia, N.Y.	commercial	27.69	5.97	310,131	2.87	87.03
72	Wells Bank of Platte City Mo.	commercial	27.68	25.67	88,122	2.42	44.76
73	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	27.61	22.18	99,907	2.77	43.99
74	Crestmark Bank Troy, Mich.	commercial	27.55	25.74	360,428	3.26	60.58
75	Buffalo Ridge Bank Beardsley, Minn.	commercial	27.49	24.74	41,091	2.29	50.00
76	Mainland Bank Texas City, Texas	commercial	27.38	28.36	94,393	2.54	57.45
77	Venture Bank Bloomington, Minn.	commercial	27.31	16.16	311,549	2.33	50.06
78	Lusk State Bank Wyo.	commercial	27.28	23.23	49,197	2.54	50.79
79	Heartland State Bank Redfield, S.D.	commercial	27.14	25.18	72,492	2.42	50.68
80	Peoples Bank Mendenhall, Miss.	commercial	27.06	21.10	223,740	2.53	47.23
81	Liberty State Bank Powers Lake, N.D.	commercial	26.94	26.16	57,394	2.45	38.14
82	Commercial State Bank of Wagner S.D.	commercial	26.93	16.88	128,844	2.82	36.30
83	Farmers and Merchants State Bank of Pierz Minn.	commercial	26.83	30.68	169,671	2.86	45.65
84	Bank of Commerce McLean, Texas	commercial	26.79	11.45	25,409	3.22	47.74
	Farmers and Merchants State Bank Plankinton, S.D.	commercial	26.79	26.72	80,422	2.57	39.43
86	First Bank of Berne Ind.	commercial	26.76	25.55	420,199	2.75	43.33
87	Corydon State Bank Iowa	commercial	26.67	23.22	77,076	4.00	21.15
88	First American Bank Stonewall, Okla.	commercial	26.61	26.57	24,623	2.92	54.91
89	Sterling Bank Poplar Bluff, Mo.	commercial	26.52	14.48	349,821	2.14	40.37
90	Farmers and Merchants Bank of Mound City Kan.	commercial	26.47	12.51	35,951	1.96	70.69
91	Almena State Bank Kan.	commercial	26.44	48.96	22,516	2.11	71.59
92	Central State Bank Clayton, Ill.	commercial	26.18	32.00	90,726	3.75	37.12
93	Ultima Bank Minnesota Winger	commercial	26.16	21.65	120,449	2.37	54.19
94	Premier Bank Rock Valley, Iowa	commercial	26.07	26.62	236,089	2.77	32.42
95	First National Bank of Burleson Texas	commercial	26.06	19.90	183,182	2.33	47.18
96	First National Bank Fabens, Texas	commercial	26.04	29.62	306,484	2.16	54.66
97	Bank Northwest Hamilton, Mo.	commercial	25.82	48.70	93,887	2.33	52.18
98	Security First National Bank of Hugo Okla.	commercial	25.72	20.75	104,099	2.14	47.03
99	TexasBank Brownwood	commercial	25.70	26.77	293,337	3.48	44.16
100	Tidelands Bank Mount Pleasant, S.C.	commercial	25.59	1.00	531,963	1.37	78.74
101	ACB Bank Cherokee, Okla.	commercial	25.57	22.65	68,104	2.25	49.57
102	Citizens State Bank Miles, Texas	commercial	25.55	32.31	83,943	2.05	51.17
103	Bank of Columbia Ky.	commercial	25.36	16.22	133,176	2.29	57.09
104	First State Bank Armour, S.D.	commercial	25.24	34.79	95,493	1.97	58.62
105	Southwest National Bank Wichita, Kan.	commercial	25.23	26.30	382,552	2.31	54.72
106	Bitterroot Valley Bank Lolo, Mont.	commercial	25.19	14.11	198,871	2.57	48.94
107	Chickasha Bank and Trust Co. Okla.	commercial	25.18	12.12	169,580	2.49	70.09
108	Sterling Bank Barron, Wis.	commercial	25.17	23.04	190,712	2.17	49.45
109	Prairie State Bank and Trust Mount Zion, Ill.	commercial	25.11	28.09	575,772	2.25	47.72
110	Spivey State Bank Swainsboro, Ga.	commercial	25.05	9.11	92,808	2.20	70.40
111	First National Bank of Hughes Springs Texas	commercial	24.91	16.68	181,700	3.25	47.52
112	First National Bank Arcadia, La.	commercial	24.85	15.15	190,446	2.14	67.52
113	Great Plains National Bank Belfield, N.D.	commercial	24.68	19.13	148,080	2.36	43.19
114	Wyoming Bank and Trust Cheyenne	commercial	24.59	11.95	117,824	2.50	78.84
115	First Community Bank of the Ozarks Branson, Mo.	commercial	24.57	-21.77	96,642	1.17	-45.57
	Midwest Bank Detroit Lakes, Minn.	commercial	24.57	24.52	284,869	2.25	52.63
117	Benchmark Bank Plano, Texas	commercial	24.56	47.15	320,609	3.20	73.86
118	First National Bank George West, Texas	commercial	24.54	18.05	222,957	2.59	49.85
119	McKenzie County Bank Watford City, N.D.	commercial	24.46	28.74	95,505	1.77	45.41
120	Bank of England Ark.	commercial	24.44	26.49	235,110	2.54	75.02
121	Grand Marais State Bank Minn.	commercial	24.39	24.90	77,810	1.92	58.26
122	Brush Country Bank Freer, Texas	commercial	24.37	26.94	45,088	2.01	58.89
123	Quail Creek Bank Oklahoma City	commercial	24.33	14.32	456,671	2.26	44.05
124	Lamar Bank and Trust Co. Mo.	commercial	24.30	24.77	121,548	2.38	50.43
125	Houston Community Bank	commercial	24.28	22.23	259,794	2.25	65.29
126	Bank of Union El Reno, Okla.	commercial	24.22	20.35	376,780	2.24	33.84
127	Bank of Grove Okla.	commercial	24.19	19.01	96,912	1.83	49.62
128	Oak Creek Valley Bank Valparaiso, Neb.	commercial	24.15	21.99	63,489	2.92	29.99
129	Lone Star Bank SSB Moulton, Texas	savings	24.11	23.28	224,051	2.08	56.36
130	Union Bank of Blair Wis.	commercial	24.09	18.11	78,032	2.27	45.33
131	Brannen Bank Inverness, Fla.	commercial	24.08	35.62	420,818	2.12	63.58
132	City Savings Bank and Trust Co. De Ridder, La.	commercial	24.05	19.57	209,218	2.84	52.32
133	Delta Bank Vidalia, La.	commercial	24.01	22.27	205,007	2.11	60.27
134	Sabine State Bank and Trust Co. Many, La.	commercial	23.99	16.00	671,803	1.87	58.68
135	Charter West National Bank West Point, Neb.	commercial	23.97	19.20	182,464	2.42	62.29
136	Farmers and Merchants Savings Bank Waukon, Iowa	commercial	23.95	19.00	131,059	2.28	40.72
137	Peoples State Bank Blair, Okla.	commercial	23.90	31.62	17,305	2.30	60.36
138	Guaranty Bank and Trust Co. of Delhi La.	commercial	23.88	18.62	131,516	2.31	53.71
139	Oxford Bank Mich.	commercial	23.72	-29.03	273,154	0.92	76.45
140	McIntosh County Bank Ashley, N.D.	commercial	23.63	13.55	83,328	2.35	44.92
141	State Bank of Gibbon Minn.	commercial	23.58	15.69	23,855	2.16	50.56
142	Commercial Capital Bank Delhi, La.	commercial	23.56	23.71	49,803	2.68	52.40
143	Clare Bank Platteville, Wis.	commercial	23.54	21.96	253,148	2.34	37.16
144	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	23.50	14.51	338,675	2.87	51.08
145	Exchange Bank Gibbon, Neb.	commercial	23.48	23.52	223,502	2.18	37.57
146	First National Bank of Central Texas Waco	commercial	23.41	22.13	579,379	1.89	51.69
147	Jonesburg State Bank Mo.	commercial	23.40	20.04	65,043	2.00	59.61
148	Welcome State Bank Minn.	commercial	23.36	22.20	24,383	2.20	49.67
149	Citizens State Bank Okemah, Okla.	commercial	23.34	26.37	142,038	2.22	37.84
150	Bank of Bloomsdale Mo.	commercial	23.29	30.26	192,782	2.30	45.90
	Magnolia State Bank Bay Springs, Miss.	commercial	23.29	18.38	263,065	2.01	56.13
152	Wemple State Bank Waverly, Ill.	commercial	23.28	13.22	65,701	1.99	56.61
153	First-Lockhart National Bank Texas	commercial	23.26	16.52	156,541	2.24	61.51
154	Kansas State Bank of Manhattan	commercial	23.24	19.41	738,731	2.16	39.35
155	First State Bank of Le Center Minn.	commercial	23.16	18.33	66,309	2.53	49.90
156	State Savings Bank Creston, Iowa	commercial	23.15	25.48	54,406	2.02	47.92
157	Peoples Community Bank Greenville, Mo.	commercial	23.10	18.31	131,191	3.50	43.68
158	State Bank of Hawley Minn.	commercial	23.06	21.12	87,979	2.28	55.27
159	Lone Star State Bank Texas	commercial	23.05	29.66	40,207	1.81	47.52
160	Bank of DeSoto Texas	commercial	23.02	19.47	179,527	2.31	59.00
161	Community Bank of Raymore Mo.	commercial	22.99	26.84	165,181	2.11	58.04
	First Bank of Chandler Okla.	commercial	22.99	20.41	78,226	2.30	43.85
163	Middletown State Bank Ill.	commercial	22.98	25.28	23,992	2.35	41.27
164	Bank of St. Elizabeth Mo.	commercial	22.96	21.96	99,058	2.43	50.73
165	First Security Bank Beaver, Okla.	commercial	22.92	11.21	105,146	1.91	38.18
166	Northstar Bank Bad Axe, Mich.	commercial	22.91	13.80	237,895	2.52	63.20
167	Clear Lake Bank and Trust Co. Iowa	commercial	22.88	21.31	249,572	2.00	54.10
168	First State Bank of Forrest Ill.	commercial	22.87	23.21	123,331	2.29	49.96
169	South Lafourche Bank and Trust Co. Larose, La.	commercial	22.85	16.18	159,583	1.86	59.98
170	Crown Bank Brick, N.J.	commercial	22.84	29.17	575,954	2.91	43.12
171	Community First Bank Butler, Mo.	commercial	22.82	12.52	147,649	2.12	53.81
172	Farmers and Merchants State Bank of Blooming Prairie Minn.	commercial	22.78	27.71	74,289	1.83	55.94
173	The Bank Oberlin, Kan.	commercial	22.75	25.11	190,542	2.31	41.23
	Union State Bank of Everest Kan.	commercial	22.75	17.79	209,854	2.46	53.05
175	Park State Bank and Trust Woodland Park, Colo.	commercial	22.69	-39.68	87,801	1.47	139.44
176	First Tri-County Bank Swanton, Neb.	commercial	22.68	24.87	54,086	1.91	54.03
177	State Bank of Lima Ill.	commercial	22.65	22.14	31,331	2.46	50.80
178	Citizens State Bank Hudson, Wis.	commercial	22.63	3.76	136,115	1.18	77.84
179	Bank of Glen Ullin N.D.	commercial	22.52	18.59	43,190	2.61	38.11
180	Arkansas County Bank DeWitt	commercial	22.51	17.56	162,333	2.14	49.68
181	Sunrise Bank Cocoa Beach, Fla.	commercial	22.47	-13.91	109,438	0.98	77.87
182	First State Bank of Brownsboro Texas	commercial	22.44	23.74	96,534	2.03	62.05
183	Citizens Bank Amsterdam, Mo.	commercial	22.42	19.00	50,201	1.67	67.90
184	Luana Savings Bank Iowa	commercial	22.40	23.87	429,261	2.16	37.87
185	Peoples National Bank Colorado Springs, Colo.	commercial	22.39	7.46	179,212	2.38	85.53
186	Community Financial Services Bank Benton, Ky.	commercial	22.24	9.89	544,774	2.14	49.04
187	Senath State Bank Mo.	commercial	22.23	17.74	57,189	3.43	42.49
188	First National Bank of Las Animas Colo.	commercial	22.22	15.13	248,151	2.57	56.32
189	Union Bank of Mena Ark.	commercial	22.18	24.56	176,956	2.11	60.56
	White Rock Bank Cannon Falls, Minn.	commercial	22.18	10.48	135,184	2.27	55.58
191	American State Bank Sioux Center, Iowa	commercial	22.10	22.05	546,028	2.39	37.39
	American State Bank of Grygla Minn.	commercial	22.10	18.59	23,787	2.43	56.45
193	Grant County State Bank Swayzee, Ind.	commercial	22.07	14.90	88,643	2.05	45.60
	HomeStar Bank and Financial Services Manteno, Ill.	commercial	22.07	-82.40	388,759	0.91	72.55
195	CCB Community Bank Andalusia, Ala.	commercial	22.05	28.44	390,921	2.06	44.43
	State Bank Hoxie, Kan.	commercial	22.05	18.55	123,343	2.28	44.12
197	Northwoods State Bank Mason City, Iowa	commercial	21.88	2.19	147,683	1.91	49.34
198	Garnavillo Savings Bank Iowa	commercial	21.87	13.99	38,106	2.06	53.53
199	Community First Bank New Iberia, La.	commercial	21.85	21.65	250,485	2.08	50.07
200	Preferred Bank Rothville, Mo.	commercial	21.82	0.26	73,523	2.19	60.73

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 Dec. 27, 2011. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial