Community Banks with the Highest Returns on Average Equity

October 09, 2012, 3:41 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityOn June 30, 2012. Dollars in thousands. Published October 9, 2012
Rank		Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank		Type of institution	2Q 2012	2Q 2011	Total assets	Return on average assets	Efficiency ratio
1	Woodland Bank Deer River, Minn.	commercial	86.09%	-0.10%	$63,671	8.12%	28.99%
2	Seacoast Commerce Bank San Diego	commercial	76.76	15.31	157,426	10.35	86.33
3	Village Bank St. George, Utah	commercial	76.25	-26.04	115,521	6.00	26.32
4	Liberty Bank FSB West Des Moines, Iowa	savings	76.19	-134.32	571,672	3.11	52.87
5	Hull Federal Savings Bank Baltimore	savings	73.52	-67.65	25,227	6.78	45.75
6	Federal Savings Bank Overland Park, Kan.	savings	71.86	182.03	110,703	7.53	69.51
7	Northpointe Bank Grand Rapids, Mich.	commercial	68.23	2.19	305,891	4.24	63.31
8	Union National Bank Elgin, Ill.	commercial	61.69	-282.49	379,120	3.72	49.55
9	Main Street Bank Bingham Farms, Mich.	commercial	59.20	12.09	117,573	4.94	63.38
10	Mitchell Bank Milwaukee	commercial	57.75	-7.59	57,475	7.51	79.21
11	First Commons Bank Newton Center, Mass.	commercial	55.86	-19.23	194,283	6.18	92.80
12	University Bank Ann Arbor, Mich.	commercial	54.19	0.82	135,810	3.57	75.13
13	Crescent Bank and Trust New Orleans	commercial	52.08	20.40	722,961	5.60	55.48
14	Merchants Bank of Indiana Lynn	commercial	51.96	29.39	842,640	5.10	20.27
15	Live Oak Banking Co. Wilmington, N.C.	commercial	51.48	49.96	301,453	6.01	55.74
16	Guardian Savings Bank FSB West Chester, Ohio	savings	48.61	15.36	782,860	4.02	32.28
17	Mountain National Bank Sevierville, Tenn.	commercial	44.86	-247.49	508,133	1.15	68.85
18	Proficio Bank Cottonwood Heights, Utah	commercial	44.81	0.13	196,835	3.28	89.21
19	Prairie Sun Bank Milan, Minn.	commercial	42.18	20.49	33,969	3.25	72.73
20	First State Bank Barboursville, W.Va.	commercial	41.97	18.29	306,733	3.22	47.16
21	Revere Bank Laurel, Md.	commercial	41.44	1.07	340,928	3.75	76.23
22	Citizens State Bank of La Crosse Wis.	commercial	40.49	29.08	115,503	3.55	42.58
23	Benchmark Bank Plano, Texas	commercial	38.98	6.17	362,435	4.92	68.26
24	Charter Bank Corpus Christi, Texas	commercial	38.12	33.47	223,862	3.01	46.24
25	First Citizens Bank of Georgia Dawsonville	commercial	37.67	1.27	94,795	1.08	76.73
26	Volunteer State Bank Portland, Tenn.	commercial	37.16	12.72	393,892	3.48	66.18
27	Southwest Capital Bank Las Vegas, N.M.	commercial	36.99	21.82	201,773	3.54	38.47
28	TrustAtlantic Bank Raleigh, N.C.	commercial	36.92	1.62	369,835	4.26	64.68
29	First State Bank Southwest Pipestone, Minn.	commercial	36.37	15.22	202,735	3.95	40.07
30	Security State Bank Sutherland, Iowa	commercial	35.28	29.56	85,355	2.93	33.77
31	First National Bank in Philip S.D.	commercial	34.84	15.09	161,446	4.74	54.57
32	Dakota Community Bank and Trust Hebron, N.D.	commercial	34.54	22.04	592,020	2.54	47.93
33	Commercial Bank De Kalb, Miss.	commercial	34.24	3.67	134,882	3.02	140.44
34	Lake Country Community Bank Morristown, Minn.	commercial	33.65	1.37	28,790	2.34	45.58
35	First Financial Bank El Dorado, Ark.	commercial	33.33	28.83	797,695	3.20	50.79
36	Security State Bank Ansley, Neb.	commercial	33.08	19.91	121,438	2.69	58.74
37	Columbus Junction State Bank Iowa	commercial	32.58	9.88	57,329	2.85	65.20
38	mBank Manistique, Mich.	commercial	32.55	7.30	523,939	3.49	61.98
39	Riverside Bank Sparkman, Ark.	commercial	31.98	39.01	57,008	2.92	46.19
40	Community Business Bank West Sacramento, Calif.	commercial	31.86	8.60	146,924	4.57	69.92
41	Lusk State Bank Wyo.	commercial	31.69	24.75	54,975	3.12	42.82
42	Prime Bank Edmond, Okla.	commercial	31.58	24.93	164,505	2.98	41.22
43	Community Bank Longview, Texas	commercial	31.40	28.17	151,957	2.32	47.59
44	RepublicBankAz Phoenix	commercial	31.08	11.71	77,247	3.65	68.14
45	Morris State Bank Okla.	commercial	30.83	25.62	66,835	2.67	51.85
46	United Community Bank of North Dakota Leeds	commercial	30.59	28.76	255,176	2.74	35.64
47	American Enterprise Bank Buffalo Grove, Ill.	commercial	30.58	-36.60	265,474	2.76	67.56
48	McClave State Bank Colo.	commercial	30.43	8.44	24,131	3.22	68.55
49	Peoples Bank and Trust Co. Ryan, Okla.	commercial	30.42	13.29	29,460	3.59	60.42
50	American Interstate Bank Elkhorn, Neb.	commercial	29.94	27.09	107,147	2.53	38.72
51	Great Plains National Bank Elk City, Okla.	commercial	29.34	27.57	427,469	2.67	57.22
52	Peoples State Bank McDonald, Kan.	commercial	29.13	25.58	117,555	2.57	49.94
53	Heritage State Bank Lawrenceville, Ill.	commercial	29.08	31.36	71,959	2.84	48.62
54	Priority Bank Ozark, Ark.	savings	29.07	38.45	89,291	2.47	61.13
55	Peoples National Bank Colorado Springs, Colo.	commercial	29.05	2.23	194,433	3.05	81.01
56	Liberty Savings Bank FSB Wilmington, Ohio	savings	28.88	-5.47	603,380	4.04	51.13
57	Wells Bank of Platte City Mo.	commercial	28.79	35.14	96,041	2.83	43.88
58	Peoples Bank Mendenhall, Miss.	commercial	28.78	25.49	221,259	2.87	46.09
59	Vision Bank-Texas Richardson	commercial	28.61	58.03	145,204	2.82	72.87
60	New Century Bank Belleville, Kan.	commercial	28.49	15.92	21,841	3.03	62.03
61	Mainland Bank Texas City, Texas	commercial	28.47	26.04	90,143	2.56	65.89
62	Heartland Bank Bryant, Ark.	commercial	28.46	16.48	182,326	4.23	35.62
63	First Nebraska Bank Valley	commercial	28.45	15.34	190,238	2.63	50.37
64	McKenzie County Bank Watford City, N.D.	commercial	28.38	23.70	102,341	2.04	44.32
65	First State Bank Scottsbluff, Neb.	commercial	28.29	22.58	218,244	2.59	42.96
66	First Bank of Berne Ind.	commercial	28.28	24.50	518,487	2.56	46.40
67	Tompkins State Bank Avon, Ill.	commercial	28.26	8.04	189,166	3.00	79.88
68	Venture Bank Bloomington, Minn.	commercial	28.14	22.60	323,465	2.50	55.86
69	Admirals Bank Boston	savings	27.93	1.12	630,964	2.32	62.12
70	First National Bank Fabens, Texas	commercial	27.89	28.58	308,014	2.49	52.84
71	Commercial Capital Bank Delhi, La.	commercial	27.84	27.18	53,648	2.84	50.96
	NewBank Flushing, N.Y.	commercial	27.84	22.29	147,018	3.11	41.39
73	Empire National Bank Islandia, N.Y.	commercial	27.57	5.62	421,731	2.74	89.75
74	Noah Bank Elkins Park, Pa.	commercial	27.52	5.88	190,556	2.17	56.95
75	Peoples State Bank Blair, Okla.	commercial	27.47	24.06	17,538	2.54	62.59
76	Ultima Bank Minnesota Winger	commercial	27.24	23.55	129,367	2.49	51.26
77	Heritage Bank Jonesboro, Ga.	commercial	27.16	-37.68	367,954	1.16	73.66
78	Lowry State Bank Minn.	commercial	27.04	24.93	38,783	2.40	48.81
79	ACB Bank Cherokee, Okla.	commercial	27.03	21.41	71,255	2.59	47.22
80	Peoples Bank Westville, Okla.	commercial	26.95	16.06	52,133	3.16	58.55
81	The Bank Oberlin, Kan.	commercial	26.81	23.81	216,686	2.64	34.50
82	Charter West National Bank West Point, Neb.	commercial	26.71	16.36	197,160	2.62	63.47
	Northstar Bank Bad Axe, Mich.	commercial	26.71	14.81	244,874	2.76	58.03
84	Buffalo Ridge Bank Beardsley, Minn.	commercial	26.67	22.53	42,495	2.28	48.09
85	Premier Bank Rock Valley, Iowa	commercial	26.64	24.78	250,160	2.97	30.43
86	Freedom Bank Huntingburg, Ind.	commercial	26.54	13.44	327,918	2.34	38.86
87	Guaranty Bank and Trust Co. of Delhi La.	commercial	26.48	23.89	133,515	2.56	51.35
88	Farmers State Bank Waterloo, Iowa	commercial	26.44	18.88	402,139	2.22	51.91
89	Crestmark Bank Troy, Mich.	commercial	26.34	28.85	421,135	3.20	59.87
90	Security State Bank Tyndall, S.D.	commercial	26.17	6.39	35,597	2.62	83.42
91	Security Bank and Trust Co. Paris, Tenn.	commercial	26.14	28.62	163,769	2.53	39.54
92	Union Bank of Blair Wis.	commercial	26.10	20.94	87,925	2.51	41.84
93	Patapsco Bank Dundalk, Md.	commercial	26.08	-41.24	254,487	1.81	80.35
94	State Bank of New Richland Minn.	commercial	25.94	28.75	95,177	2.45	39.60
95	Security First National Bank of Hugo Okla.	commercial	25.90	22.73	102,474	2.16	46.14
96	Goodfield State Bank Ill.	commercial	25.88	26.01	72,643	3.40	35.63
97	Citizens State Bank Vernon, Ala.	commercial	25.87	11.86	91,770	2.97	37.25
98	Town and Country Bank of Quincy Ill.	commercial	25.85	21.34	102,274	2.96	47.88
99	CedarStone Bank Lebanon, Tenn.	commercial	25.81	7.26	167,092	2.28	83.49
100	First Bank of Chandler Okla.	commercial	25.75	21.47	77,781	2.62	43.55
101	First American Bank Stonewall, Okla.	commercial	25.74	26.83	25,790	2.74	53.28
102	First State Bank Louise, Texas	commercial	25.54	25.71	289,482	2.32	56.37
103	First Security Bank and Trust Co. Oklahoma City	commercial	25.52	14.13	46,192	2.20	77.45
	Southwest National Bank Wichita, Kan.	commercial	25.52	25.73	447,035	2.11	52.53
105	Shattuck National Bank Okla.	commercial	25.49	13.63	61,815	2.10	59.79
106	Jonesburg State Bank Mo.	commercial	25.31	21.42	68,261	2.09	53.96
107	Midwest Bank Detroit Lakes, Minn.	commercial	25.23	26.52	310,272	2.26	51.01
108	Exchange Bank and Trust Co. Perry, Okla.	commercial	25.16	22.40	220,983	2.31	49.21
109	FirstBank Antlers, Okla.	commercial	24.98	29.97	228,939	2.02	68.70
110	Quail Creek Bank Oklahoma City	commercial	24.97	26.12	485,183	2.44	43.66
111	Farmers and Merchants State Bank of Cawker City Kan.	commercial	24.92	21.16	15,687	2.13	49.43
112	Wyoming Bank and Trust Cheyenne	commercial	24.85	18.98	129,289	2.34	78.62
113	PrinsBank Prinsburg, Minn.	commercial	24.80	14.12	112,440	2.25	50.91
114	Belt Valley Bank Belt, Mont.	commercial	24.61	1.25	63,769	2.47	70.16
	Cowboy Bank of Texas Maypearl	commercial	24.61	25.98	56,560	2.13	58.94
116	Marion County State Bank Pella, Iowa	commercial	24.58	23.08	244,379	2.91	38.49
117	First National Bank in Mahnomen Minn.	commercial	24.48	10.33	70,082	2.37	70.26
118	Leader Bank Arlington, Mass.	commercial	24.42	7.80	571,570	3.05	36.68
119	F&M Bank Clarksville, Tenn.	commercial	24.41	7.74	819,628	1.97	70.65
120	Union Bank of Mena Ark.	commercial	24.37	24.70	182,650	2.36	58.35
121	Citizens State Bank Okemah, Okla.	commercial	24.26	28.10	243,001	2.25	38.25
	Liberty State Bank Powers Lake, N.D.	commercial	24.26	24.22	60,759	2.32	37.46
123	Farmers and Merchants Bank Milligan, Neb.	commercial	24.24	19.00	47,685	2.58	48.56
124	Great Plains National Bank Belfield, N.D.	commercial	24.19	21.80	172,559	2.25	38.38
125	Lamar Bank and Trust Co. Mo.	commercial	24.16	25.49	128,979	2.31	48.23
126	NewFirst National Bank El Campo, Texas	commercial	24.15	21.71	460,940	2.38	59.21
127	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	24.05	24.12	366,914	2.78	50.74
128	First State Bank Mendota, Ill.	commercial	24.04	-5.33	818,497	2.32	64.72
129	First Whitney Bank and Trust Atlantic, Iowa	commercial	23.98	21.05	168,736	2.39	29.07
130	King Southern Bank Chaplin, Ky.	commercial	23.90	15.23	172,661	2.22	58.43
	Southern States Bank Anniston, Ala.	commercial	23.90	1.86	264,294	3.40	32.80
132	Ameristate Bank Atoka, Okla.	commercial	23.81	24.58	188,523	2.21	61.38
133	Farmers and Merchants State Bank Plankinton, S.D.	commercial	23.71	26.61	82,155	2.29	42.44
	First National Bank of Central Texas Waco	commercial	23.71	25.88	619,722	1.96	51.90
135	Farmers and Merchants State Bank of Pierz Minn.	commercial	23.65	25.62	171,413	2.66	45.99
136	Stockmans Bank Altus, Okla.	commercial	23.61	16.16	140,193	1.87	64.50
137	Lowell Co-operative Bank Mass.	cooperative	23.54	-5.22	187,631	2.04	86.55
138	Peoples Community Bank Greenville, Mo.	commercial	23.52	24.88	146,062	3.62	37.73
139	First National Bank George West, Texas	commercial	23.50	25.78	246,239	2.46	47.81
140	Citizens National Bank of Bluffton Ohio	commercial	23.49	22.45	610,644	2.23	57.10
141	Heartland Bank St. Louis	savings	23.44	-11.13	860,593	1.90	67.22
	Petersburg State Bank Neb.	commercial	23.44	26.66	32,332	1.95	51.81
143	Peoples Bank and Trust Pana, Ill.	commercial	23.39	22.74	281,067	2.57	48.60
144	Grand Marais State Bank Minn.	commercial	23.37	26.28	70,240	2.00	58.92
145	TexasBank Brownwood	commercial	23.34	24.94	293,117	3.10	47.89
146	National Bank of Andrews Texas	commercial	23.22	19.65	141,858	1.91	62.12
147	Farmers and Merchants State Bank of Blooming Prairie Minn.	commercial	23.20	22.08	69,818	1.86	59.31
148	Kansas State Bank of Manhattan	commercial	23.16	19.62	827,506	2.21	42.62
149	Sabine State Bank and Trust Co. Many, La.	commercial	23.15	22.69	688,892	2.09	57.83
150	West Town Savings Bank Cicero, Ill.	savings	23.07	8.77	131,637	2.11	80.30
151	Farmers State Bank and Trust Co. Church Point, La.	commercial	23.04	17.31	94,789	2.04	66.35
152	Citizens Bank Amsterdam, Mo.	commercial	22.99	15.82	50,885	1.69	70.21
153	Clear Lake Bank and Trust Co. Iowa	commercial	22.93	22.25	254,600	2.02	54.48
154	Wemple State Bank Waverly, Ill.	commercial	22.91	12.97	65,034	2.10	52.42
155	Commercial Bank of Mott N.D.	commercial	22.88	15.34	88,582	2.09	37.03
	First State Bank of Forrest Ill.	commercial	22.88	20.41	124,163	2.36	44.38
157	Choice Financial Group Grafton, N.D.	commercial	22.83	15.83	595,621	2.34	49.08
158	Almena State Bank Kan.	commercial	22.72	7.64	25,977	1.73	73.24
159	Citizens State Bank Miles, Texas	commercial	22.62	21.72	78,684	2.23	52.21
160	Fannin Bank Bonham, Texas	commercial	22.59	19.63	67,524	1.92	68.21
	HNB National Bank Hannibal, Mo.	commercial	22.59	19.41	396,855	2.43	50.43
162	Exchange Bank Gibbon, Neb.	commercial	22.56	22.94	414,284	2.31	35.92
163	Garden City State Bank Kan.	commercial	22.46	21.17	69,408	2.80	49.65
164	First State Bank of Golva N.D.	commercial	22.39	20.80	68,314	2.14	37.12
165	EvaBank Cullman, Ala.	commercial	22.35	8.18	356,994	1.73	42.70
166	Brunswick State Bank Neb.	commercial	22.33	25.74	78,317	2.07	48.65
167	First State Bank Yukon, Okla.	commercial	22.25	16.21	20,148	1.93	74.81
	Paradise Bank Boca Raton, Fla.	commercial	22.25	12.64	299,271	2.02	72.97
169	First National Bank Arcadia, La.	commercial	22.24	20.86	200,101	1.86	67.55
170	Libertyville Savings Bank Fairfield, Iowa	commercial	22.19	11.94	194,644	2.52	43.17
171	Taylor County Bank Campbellsville, Ky.	commercial	22.18	24.80	162,117	2.47	47.30
172	Farmers Bank Carnegie, Okla.	commercial	22.17	26.56	55,779	1.97	59.56
173	Union Bank Halliday, N.D.	commercial	22.16	10.15	80,926	1.70	48.87
174	Brush Country Bank Freer, Texas	commercial	22.10	23.81	48,130	1.72	61.29
175	West Gate Bank Lincoln, Neb.	commercial	22.04	11.45	317,769	2.25	55.03
176	Peoples State Bank Summit, S.D.	commercial	21.95	23.12	53,145	2.34	43.27
177	Heartland Bank Gahanna, Ohio	commercial	21.88	11.44	570,956	1.99	48.44
178	Diamond Bank Murfreesboro, Ark.	commercial	21.87	11.85	425,491	2.54	57.13
179	1st Advantage Bank St. Peters, Mo.	commercial	21.86	-1.18	77,129	1.21	72.30
180	First State Bank of DeQueen Ark.	commercial	21.84	18.48	185,065	1.81	57.25
181	Northwoods State Bank Mason City, Iowa	commercial	21.79	25.60	157,463	1.97	49.91
182	Farmers and Merchants Bank of Mound City Kan.	commercial	21.77	17.66	35,498	1.64	79.25
183	State Bank in Eden Valley Minn.	commercial	21.75	20.81	28,050	2.35	69.04
184	Lone Star State Bank Texas	commercial	21.69	23.32	38,893	1.84	45.91
185	Basile State Bank La.	commercial	21.67	21.88	53,730	2.06	65.24
186	First Community Bank of Bedford County Shelbyville, Tenn.	commercial	21.65	8.33	329,045	2.88	56.68
	Vintage Bank Waxahachie, Texas	commercial	21.65	11.03	148,210	2.11	58.91
188	Medina Savings and Loan Association N.Y.	savings	21.62	-4.23	43,500	1.88	110.24
189	Five Star Bank Sacramento	commercial	21.61	18.33	505,647	2.19	44.80
190	Crockett National Bank San Angelo, Texas	commercial	21.54	23.21	417,135	2.29	71.42
	Pacific Enterprise Bank Irvine, Calif.	commercial	21.54	14.93	273,570	2.21	45.72
	Sterling Bank Barron, Wis.	commercial	21.54	20.73	194,440	1.87	52.58
193	Continental Bank Salt Lake City	commercial	21.51	45.88	110,731	5.60	34.95
	Starion Financial Bismarck, N.D.	commercial	21.51	17.19	940,117	1.92	51.79
195	Main Bank Albuquerque, N.M.	commercial	21.41	14.26	76,003	2.48	70.94
196	First Community Bank of Central Alabama Wetumpka	commercial	21.40	21.35	293,890	1.83	47.00
197	Coleman County State Bank Coleman, Texas	commercial	21.39	22.98	82,804	2.15	60.74
198	Del Norte Bank Colo.	savings	21.31	8.40	49,048	1.81	53.73
	Grant County State Bank Carson, N.D.	commercial	21.31	13.25	31,944	2.06	49.85
200	Farmers State Bank Allen Okla.	commercial	21.30	14.91	41,247	2.27	55.52

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. 7, 2012. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial