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 Sept. 30, 2013. Dollars in thousands.
Published February 4, 2014

Rank Company Type of
institution
Return on average equity Total
assets
Return on
average assets
Efficiency
ratio
3Q 2013 3Q 2012
1 First Central Savings Bank Glen Cove, N.Y. savings 160.14% 15.54% $533,493 14.99% 93.34%
2 Pinnacle Bank Morgan Hill, Calif. commercial 120.87 2.44 188,238 13.27 91.79
3 Royal Savings Bank Chicago savings 116.49 4.10 111,807 22.35 75.86
4 Village Bank St. Francis, Miss. commercial 103.38 -15.05 164,646 6.24 73.53
5 Community Bank of Pickens County Jasper, Ga. commercial 77.08 6.95 332,670 4.44 59.86
6 Pacific Commerce Bank Los Angeles commercial 72.50 2.87 165,519 10.90 93.86
7 Apollo Bank Miami commercial 61.99 3.26 256,719 6.50 91.32
8 Pacific City Bank Los Angeles commercial 58.61 9.74 730,739 6.90 56.23
9 First Community Financial Bank Plainfield, Ill. commercial 58.09 14.44 848,542 6.97 64.81
10 OmniBank Jackson, Miss. commercial 52.03 -12.33 47,999 6.06 111.47
11 First Citizens Bank of Georgia Dawsonville commercial 50.86 43.03 96,126 0.71 80.65
12 PrinsBank Prinsburg, Minn. commercial 49.61 26.38 121,693 5.15 34.26
13 Charter Bank Corpus Christi, Texas commercial 44.29 36.57 220,724 3.48 49.67
14 Uniited Bank Springdale, Ark. savings 44.04 13.92 142,218 6.83 72.19
15 Live Oak Banking Co. Wilmington, N.C. commercial 42.11 42.14 426,905 4.31 67.32
16 Wells Bank of Platte City Mo. commercial 41.32 44.75 101,632 3.75 33.77
17 Continental Bank Salt Lake City commercial 39.94 23.84 140,558 8.11 27.51
18 Crockett National Bank San Angelo, Texas commercial 38.08 25.00 422,727 3.64 62.70
19 Home Federal Savings Bank Rochester, Minn. savings 37.77 5.45 562,227 4.75 71.68
20 Merchants & Planters Bank Bolivar, Tenn. commercial 35.54 9.26 89,683 4.26 48.61
21 Ameristate Bank Atoka, Okla. commercial 35.12 36.77 193,337 3.35 56.15
22 Main Street Bank Bingham Farms, Mich. commercial 33.14 56.22 155,678 3.01 59.64
23 Citizens State Bank of La Crosse Wis. commercial 33.11 42.35 130,623 3.00 46.98
24 Bank 7 Oklahoma City commercial 32.93 34.58 332,816 2.87 45.86
25 Prime Bank Edmond, Okla. commercial 32.81 34.76 193,538 3.05 37.38
26 Guardian Savings Bank FSB West Chester, Ohio savings 32.49 48.55 815,767 3.00 33.22
27 Riverside Bank Sparkman, Ark. commercial 32.44 29.90 56,066 3.06 47.03
28 Dakota Community Bank & Trust Hebron, N.D. commercial 32.26 28.07 691,313 2.32 50.32
29 United Community Bank of North Dakota Leeds commercial 31.69 37.30 278,178 2.69 44.62
30 First Bank Blue Earth Minn. commercial 31.00 17.54 173,157 3.28 44.65
31 Liberty State Bank Powers Lake, N.D. commercial 30.98 24.14 73,187 2.49 33.40
32 Bank of Hydro Okla. commercial 30.97 32.43 122,268 2.55 42.72
33 ACB Bank Cherokee, Okla. commercial 30.61 42.84 79,404 2.54 46.48
34 Cowboy Bank of Texas Maypearl commercial 30.43 32.38 56,921 2.79 50.72
35 First Bank of Chandler Okla. commercial 30.35 27.67 84,365 3.09 35.78
36 Grant County State Bank Carson, N.D. commercial 30.25 31.18 33,410 3.14 38.93
37 Brunswick State Bank Neb. commercial 29.85 30.81 88,810 2.63 41.72
38 Mountain 1st Bank & Trust Co. Hendersonville, N.C. commercial 29.61 -13.73 674,659 0.43 87.50
39 Republic Bank Bountiful, Utah commercial 29.44 28.17 504,883 3.58 15.79
40 Commercial State Bank Andrews, Texas commercial 29.40 19.10 482,969 2.67 54.40
41 Security State Bank Sutherland, Iowa commercial 29.38 32.97 97,830 2.58 36.02
42 Bank of Baker Mont. commercial 29.29 32.73 134,897 2.59 42.01
43 Venture Bank Bloomington, Minn. commercial 29.03 23.79 400,471 2.46 46.64
44 Morris State Bank Okla. commercial 28.62 29.09 68,384 2.41 53.33
45 Bank of Bloomsdale Mo. commercial 28.38 22.54 199,034 2.59 41.33
46 Bank of Buffalo Ky. commercial 28.24 18.90 72,033 3.17 29.55
47 First Bank of Owasso Okla. commercial 28.19 16.05 229,401 3.25 44.17
48 Peoples Bank Mendenhall, Miss. commercial 28.16 21.41 227,302 2.72 52.02
49 Community Bank Longview, Texas commercial 28.12 32.17 218,853 2.35 43.94
50 Intercredit Bank Miami commercial 27.91 0.40 323,154 2.07 66.24
51 Points West Community Bank Julesburg, Colo. commercial 27.82 31.14 204,583 2.69 42.94
52 Oak Creek Valley Bank Valparaiso, Neb. commercial 27.80 20.15 73,141 2.82 26.27
53 First State Bank Valliant, Okla. commercial 27.74 8.54 44,381 3.19 87.99
54 Great Plains Bank Eureka, S.D. commercial 27.68 27.54 103,431 2.77 38.31
55 West Plains Bank and Trust Co. Mo. commercial 27.62 18.81 313,425 2.53 54.04
56 Almena State Bank Kan. commercial 27.33 28.59 30,227 2.23 66.36
57 First National Bank Fabens, Texas commercial 27.20 29.75 322,223 2.73 48.10
58 First State Bank Scottsbluff, Neb. commercial 26.96 27.90 236,032 2.50 60.64
59 Bank Northwest Hamilton, Mo. commercial 26.86 19.42 98,693 2.35 48.65
60 Bank of Glen Ullin N.D. commercial 26.65 26.09 51,040 2.87 38.73
  Heartland State Bank Redfield, S.D. commercial 26.65 23.04 79,975 2.72 45.72
  First Bank of Berne Ind. commercial 26.65 29.03 517,403 2.65 46.47
63 First State Bank of Golva N.D. commercial 26.64 19.39 77,750 2.11 41.98
64 Tri Valley Bank Talmage, Neb. commercial 26.54 28.54 35,089 2.11 44.04
65 Texas Champion Bank Corpus Christi, Texas commercial 26.30 7.95 366,914 2.75 56.32
66 Premier Bank Rock Valley, Iowa commercial 26.21 19.37 284,365 2.88 30.30
67 Parkway Bank Rogers, Ark. commercial 26.10 8.17 123,772 3.13 78.14
68 Quail Creek Bank Oklahoma City commercial 26.07 27.54 531,518 2.36 47.12
  Community First Bank New Iberia, La. commercial 26.07 17.78 284,543 2.16 54.88
  Citizens State Bank of Lankin N.D. commercial 26.07 17.46 45,449 1.95 58.41
71 TexasBank Brownwood commercial 26.04 25.15 332,557 3.24 48.55
72 St. Martin Bank and Trust Co. St. Martinville, La. commercial 25.97 26.33 420,507 2.81 47.91
73 Great Plains National Bank Belfield, N.D. commercial 25.89 23.33 181,059 2.48 37.08
74 Commercial Bank of Mott N.D. commercial 25.84 23.58 91,304 2.70 42.66
75 First State Bank of DeQueen Ark. commercial 25.83 19.98 186,863 1.78 57.33
76 Farmers and Merchants State Bank Plankinton, S.D. commercial 25.73 27.99 91,584 2.63 42.79
77 Provincial Bank Lakeville, Minn. commercial 25.72 24.47 71,268 3.12 60.50
78 MBank Gresham, Ore. commercial 25.68 8.95 170,435 1.60 68.67
79 Auburn Banking Co. Ky. commercial 25.43 24.52 71,776 1.68 59.56
80 Farmers Bank and Trust Company Blytheville, Ark. commercial 25.42 10.34 403,462 2.26 49.58
81 Coleman County State Bank Coleman, Texas commercial 25.41 22.52 93,472 2.38 56.32
82 Vintage Bank Waxahachie, Texas commercial 25.29 20.80 161,187 2.43 55.44
83 First Community Bank Corpus Christi, Texas commercial 25.28 18.18 364,694 2.02 64.75
84 Bank 1440 Phoenix commercial 25.27 5.23 81,296 3.29 61.01
85 Gunnison Valley Bank Gunnison, Utah commercial 25.23 8.50 75,492 2.54 51.17
86 Security Bank Tulsa, Okla. commercial 25.20 19.80 442,564 2.68 29.17
87 First American Bank Stonewall, Okla. commercial 25.18 23.69 25,873 2.86 53.71
88 Five Star Bank Rocklin, Calif. commercial 25.12 25.14 570,160 2.14 42.96
89 First National Bank of Picayune Miss. commercial 25.09 18.15 202,724 3.05 47.21
90 Lowry State Bank Minn. commercial 24.81 31.71 42,287 2.32 52.75
91 First Neodesha Bank Kan. commercial 24.63 18.40 78,277 2.21 51.37
92 Charter Bank Eau Claire Wis. commercial 24.37 18.48 563,696 3.17 28.36
93 Freedom Bank Huntingburg, Ind. commercial 24.35 28.66 335,345 2.32 40.17
94 Security Bank and Trust Co. Paris, Tenn. commercial 24.23 24.50 174,454 2.26 40.26
95 Bank of Hemet Riverside, Calif. commercial 24.16 24.76 464,665 2.86 44.46
  Peoples Bank & Trust Co. Troy, Mo. commercial 24.16 7.58 397,879 1.30 76.35
97 Heritage State Bank Lawrenceville, Ill. commercial 24.15 30.48 74,358 2.47 53.71
98 Freedom Bank Columbia Falls, Mont. commercial 24.13 6.32 44,532 2.41 62.46
99 Bank of Stapleton Neb. commercial 24.01 17.23 24,003 2.65 59.85
100 NOA Bank Duluth, Ga. commercial 23.98 19.93 146,386 3.11 54.36
101 First State Bank Louise, Texas commercial 23.97 20.63 324,334 1.86 60.28
102 Citizens State Bank Miles, Texas commercial 23.96 22.38 90,380 2.35 51.84
103 Guaranty Bank & Trust Co. of Delhi La. commercial 23.94 23.93 173,273 2.06 57.42
  Citizens Bank New Tazewell, Tenn. commercial 23.94 -34.44 145,925 1.92 50.14
105 PrimeSouth Bank Blackshear, Ga. commercial 23.89 -8.05 325,471 1.50 64.71
106 Midwest Bank Detroit Lakes, Minn. commercial 23.84 27.00 336,734 2.30 49.11
107 First National Bank of Central Texas Waco commercial 23.72 23.01 726,202 1.61 51.82
108 Crestmark Bank Troy, Mich. commercial 23.66 25.57 472,842 3.15 55.06
109 Regional Missouri Bank Marceline commercial 23.65 54.06 164,350 2.07 43.68
110 American State Bank of Grygla Minn. commercial 23.63 16.52 24,268 2.54 57.48
111 Exchange Bank and Trust Co. Perry, Okla. commercial 23.58 24.98 249,397 1.97 51.80
112 Chetopa State Bank & Trust Co. Kan. commercial 23.54 12.71 28,772 2.18 51.76
113 First National Bank & Trust of Elk City, Okla. commercial 23.43 18.83 313,151 2.42 40.61
114 Bank of Prague Neb. commercial 23.40 21.29 22,282 3.70 37.83
115 Choice Financial Group Grafton, N.D. commercial 23.38 23.25 660,728 2.52 49.11
116 First National Bank Arcadia, La. commercial 23.28 23.99 198,392 1.97 63.36
117 First Bank & Trust Co. Wagoner, Okla. commercial 23.25 14.48 256,043 2.37 43.79
118 Great Plains National Bank Elk City, Okla. commercial 23.23 32.76 463,558 2.08 72.69
119 Farmers Exchange Bank Cherokee, Okla. commercial 23.19 23.17 209,728 2.13 46.06
120 Winnsboro State Bank & Trust Co. La. commercial 23.17 20.53 133,035 2.35 52.71
121 Lamar Bank and Trust Co. Mo. commercial 23.16 22.32 128,334 2.15 52.14
122 Central Bank and Trust Co. Hutchinson, Kan. commercial 23.06 8.34 256,252 1.91 57.10
123 Farmers and Merchants State Bank of Pierz Minn. commercial 23.05 25.94 173,423 2.25 48.41
124 Citizens Bank Amsterdam, Mo. commercial 23.04 19.06 54,373 1.71 69.45
125 Basile State Bank La. commercial 23.02 19.64 56,647 2.14 60.98
126 Welcome State Bank Minn. commercial 23.01 19.53 25,357 2.26 50.05
127 First Financial Bank El Dorado, Ark. commercial 22.97 37.00 850,657 2.40 60.53
  Farmers State Bank Waterloo, Iowa commercial 22.97 20.60 522,861 1.84 52.93
129 First Bank Burkburnett, Texas commercial 22.89 19.84 289,041 2.17 67.19
130 Jonah Bank of Wyoming Casper commercial 22.80 22.20 240,121 2.05 61.13
131 Peoples Community Bank Greenville, Mo. commercial 22.78 22.87 162,648 3.44 39.09
132 Bank of the West Thomas, Okla. commercial 22.75 17.70 128,057 2.65 52.71
133 Brush Country Bank Freer, Texas commercial 22.74 21.84 46,730 1.98 55.40
134 Petersburg State Bank Neb. commercial 22.73 22.07 33,615 2.01 51.87
135 State Bank of Texas Dallas commercial 22.69 24.00 428,077 4.56 24.33
136 Ann Arbor State Bank Mich. commercial 22.68 11.39 211,522 2.36 37.91
137 Sound Banking Co. Tacoma, Wash. commercial 22.67 24.78 44,470 2.26 57.00
138 Peoples State Bank Blair, Okla. commercial 22.63 29.26 16,489 2.06 66.27
139 Security Bank of Southwest Missouri Cassville commercial 22.53 20.70 75,291 2.05 55.16
140 Farmers Savings Bank Wever, Iowa commercial 22.52 9.42 107,262 2.29 41.94
  Ultima Bank Minnesota Winger commercial 22.52 25.48 142,200 2.03 57.10
142 The Bank Oberlin, Kan. commercial 22.46 22.40 305,746 2.18 38.36
143 Commercial Bank & Trust Co. Monticello, Ark. commercial 22.45 12.98 182,327 1.78 57.01
144 S-Bank Weymouth, Mass. cooperative 22.44 2.46 189,791 2.03 68.71
145 Coastal Commerce Bank Houma, La. commercial 22.38 24.48 392,615 1.84 55.05
146 Delta Bank Vidalia, La. commercial 22.35 19.47 238,486 1.78 60.55
147 Union Bank of Mena Ark. commercial 22.34 22.70 186,508 2.35 59.88
148 Vermilion Bank & Trust Co. Kaplan, La. commercial 22.24 16.91 107,337 1.91 59.16
  Bank of Milton Wis. commercial 22.24 22.42 99,131 1.75 53.55
150 Wyoming Bank & Trust Cheyenne commercial 22.10 22.53 137,977 2.30 82.86
151 Luana Savings Bank Iowa commercial 22.07 24.41 574,562 1.99 35.90
152 Citizens State Bank at Mohall N.D. commercial 22.06 22.66 62,629 1.73 50.08
  Community Bank Mankato Vernon Center, Minn. commercial 22.06 11.96 208,055 1.73 61.70
154 Southwest Capital Bank Las Vegas, N.M. commercial 22.05 21.76 220,973 2.00 50.96
155 First State Bank Armour, S.D. commercial 22.02 21.78 100,890 1.60 61.23
156 National Bank of Andrews Texas commercial 22.01 22.34 153,408 1.91 63.98
157 Nodaway Valley Bank Maryville, Mo. commercial 21.98 21.44 790,347 2.42 46.91
158 West Texas State Bank Snyder commercial 21.95 16.11 141,888 2.24 47.14
  Grand Marais State Bank Minn. commercial 21.95 26.53 81,048 1.48 61.75
160 Marion County State Bank Pella, Iowa commercial 21.88 19.29 258,006 2.21 36.56
161 Turtle Mountain State Bank Belcourt, N.D. commercial 21.83 10.78 29,016 2.05 67.70
162 Middletown State Bank Ill. commercial 21.82 19.77 26,846 2.05 43.75
163 Century Bank of the Ozarks Gainesville, Mo. commercial 21.79 21.54 165,886 2.11 57.56
164 Tolleson Private Bank Dallas commercial 21.78 15.84 394,748 1.81 42.84
165 Heartland Bank Bryant, Ark. commercial 21.74 16.57 193,664 3.02 47.96
166 FirstBank Antlers, Okla. commercial 21.72 29.68 242,662 1.84 72.44
  Southwest National Bank Wichita, Kan. commercial 21.72 23.25 432,145 1.80 55.05
168 Missouri Bank and Trust Co. of Kansas City commercial 21.66 22.83 589,035 1.32 65.63
169 Victory Community Bank Fort Mitchell, Ky. savings 21.64 24.26 163,216 2.72 45.67
170 First Community Bank of Central Alabama Wetumpka commercial 21.63 18.60 300,293 1.66 54.34
171 Citizens National Bank of Bluffton Ohio commercial 21.61 21.69 659,066 1.85 56.91
172 EvaBank Cullman, Ala. commercial 21.57 21.07 321,226 2.41 40.00
173 PCSB Bank Clarinda, Iowa commercial 21.56 12.85 187,832 1.85 65.28
174 Liberty Savings Bank FSB St. Cloud, Minn. savings 21.51 22.21 188,883 2.14 67.17
  Security National Bank of Enid Okla. commercial 21.51 22.11 316,726 2.03 48.12
176 First National Bank Spearman, Texas commercial 21.47 16.24 193,227 1.79 56.84
177 American Bank & Trust of the Cumberlands Livingston, Tenn. commercial 21.46 20.16 148,134 1.89 57.90
178 Bank of Montana Missoula commercial 21.45 10.16 49,472 2.47 54.52
179 Homeland Federal Savings Bank Columbia, La. savings 21.43 20.60 156,833 2.36 54.31
180 Progressive Ozark Bank Salem, Mo. commercial 21.40 20.58 116,866 2.11 64.63
181 Normangee State Bank Texas commercial 21.39 17.66 100,096 2.84 30.29
182 Golden Belt Bank, FSA Ellis, Kan. savings 21.35 18.03 141,241 2.77 47.51
183 Bank of DeSoto Texas commercial 21.32 24.14 181,054 2.17 59.22
184 Community First Bank of the Heartland Mount Vernon, Ill. commercial 21.27 22.22 163,446 1.99 56.55
185 NewBank Flushing, N.Y. commercial 21.26 20.99 168,529 2.67 37.97
186 CCB Community Bank Andalusia, Ala. commercial 21.24 22.66 418,945 2.25 51.21
187 First National Bank and Trust Co. of Okmulgee, Okla. commercial 21.23 13.86 234,488 2.40 51.41
188 Security First National Bank of Hugo Okla. commercial 21.18 21.69 104,301 1.88 51.33
189 Ramsey National Bank Devils Lake, N.D. commercial 21.15 18.70 259,766 2.19 49.20
  Countybank Greenwood, S.C. commercial 21.15 19.35 326,593 1.55 83.73
191 First State Bank Boise City, Okla. commercial 21.08 14.44 59,825 1.68 54.27
192 Peoples Bank & Trust Buford, Ga. commercial 21.07 2.07 282,825 0.88 77.20
193 SSBBank Stockbridge, Mich. commercial 21.03 -15.74 59,420 1.69 94.66
194 State Bank of Lake Park Minn. commercial 21.02 18.83 35,938 1.69 61.23
195 Mid America Bank Linn, Mo. commercial 21.01 19.52 329,540 1.56 52.33
196 City Savings Bank & Trust Co. De Ridder, La. commercial 20.97 20.66 261,661 2.36 55.36
197 Dakota Western Bank Bowman, N.D. commercial 20.95 17.44 225,501 2.04 45.84
  Bank 1st West Union, Iowa commercial 20.95 11.03 118,761 1.96 61.01
199 Jonesburg State Bank Mo. commercial 20.91 23.06 67,938 1.78 62.01
  Savings Bank Primghar, Iowa commercial 20.91 20.35 152,642 1.75 39.51

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 Nov. 25, 2013. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2014 American Banker