Community Banks with the Highest Returns on Average Equity

April 23, 2014, 2:09 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityYear to date through Dec. 31, 2013. Dollars in thousands. Published April 23, 2014
Rank	Company	Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank	Company	Type of institution	4Q 2013	4Q 2012	Total assets	Return on average assets	Efficiency ratio
1	Fidelity Bank of Florida Merritt Island, Fla.	commercial bank	87.01%	5.28%	$283,532	5.16%	82.20
2	First Central Savings Bank Glen Cove, N.Y.	savings bank	50.22	13.71	504,694	3.94	85.73
3	Metro Phoenix Bank Ariz.	commercial bank	49.53	2.90	87,613	5.93	80.36
4	Village Bank St. Francis, Minn.	commercial bank	49.23	-18.73	165,398	2.78	69.24
5	Americana Community Bank Sleepy Eye, Minn.	commercial bank	49.15	-2.31	119,531	1.40	86.53
6	State Central Bank Bonaparte, Iowa	commercial bank	46.64	-45.65	71,382	1.72	62.59
7	Live Oak Banking Co. Wilmington, N.C.	commercial bank	46.18	54.43	415,565	4.81	66.74
8	Clarkston State Bank Clarkston, Mich.	commercial bank	43.34	23.49	127,269	4.12	81.82
9	First State Bank Wrens, Ga.	commercial bank	42.49	-9.92	89,644	2.38	86.99
10	Sierra Vista Bank Folsom, Calif.	commercial bank	41.68	-5.75	101,748	5.26	81.98
11	CFG Community Bank Baltimore	commercial bank	41.34	13.27	481,195	4.93	48.90
12	Charter Bank Corpus Christi, Texas	commercial bank	40.47	37.44	229,484	3.29	49.16
13	Marine Bank & Trust Co. Vero Beach, Fla.	commercial bank	39.64	-39.60	144,971	2.40	83.61
14	Home Federal Savings Bank Rochester, Minn.	savings bank	38.99	NA	647,428	4.57	80.78
15	American Bank of St. Paul St. Paul, Minn.	commercial bank	36.44	-24.69	312,984	2.05	89.09
16	INSOUTH Bank Brownsville, Tenn.	commercial bank	36.24	10.79	301,440	2.90	90.17
17	Guardian Savings Bank FSB West Chester, Ohio	savings bank	36.09	52.92	812,501	3.30	39.29
18	PrinsBank Prinsburg, Minn.	commercial bank	35.45	23.49	119,380	3.58	48.85
19	Royal Savings Bank Chicago	savings bank	35.02	3.28	118,916	6.12	74.82
20	Pinnacle Bank Gilroy, Calif.	commercial bank	33.92	1.13	189,758	3.63	87.83
21	Citizens State Bank of La Crosse La Crosse, Wis.	commercial bank	33.88	39.73	141,020	3.08	47.22
22	Farmers and Merchants Bank of Kendall Wis.	commercial bank	33.01	17.52	73,647	3.85	39.55
23	Continental Bank Salt Lake City	commercial bank	32.62	26.67	139,242	6.95	29.22
24	Southwest State Bank Sentinel, Okla.	commercial bank	32.16	19.85	101,902	3.02	45.43
25	Riverside Bank Sparkman, Ark.	commercial bank	32.00	30.03	55,629	2.96	48.35
26	Bank of Hydro Okla.	commercial bank	31.93	34.02	121,505	2.61	41.32
27	Community Bank of Pickens County Jasper, Ga.	commercial bank	31.89	4.83	336,299	1.81	63.68
28	Almena State Bank Kan.	commercial bank	31.83	24.79	30,319	2.47	65.40
29	Wells Bank of Platte City Mo.	commercial bank	31.65	31.00	108,316	2.90	40.19
30	Republic Bank Bountiful, Utah	commercial bank	31.56	27.85	459,978	4.00	13.26
31	Bank 7 Oklahoma City	commercial bank	31.45	29.75	352,044	2.78	47.80
32	Bank of Atlanta Ga.	savings bank	30.63	3.18	186,458	3.27	92.11
33	Evansville Commerce Bank Ind.	commercial bank	30.52	-5.00	78,016	2.72	90.21
34	Morris State Bank Okla.	commercial bank	29.82	28.94	68,925	2.54	50.77
35	Security State Bank Sutherland, Iowa	commercial bank	29.78	31.23	103,689	2.64	36.49
36	Prime Bank Edmond, Okla.	commercial bank	29.70	31.87	195,016	2.87	40.82
37	Bank of Rison Ark.	commercial bank	29.58	-27.17	25,782	4.55	62.87
38	United Community Bank of North Dakota Leeds	commercial bank	29.43	28.83	282,254	2.55	46.07
39	Community Bank Longview, Texas	commercial bank	29.14	30.72	224,179	2.30	47.85
40	ACB Bank Cherokee, Okla.	commercial bank	28.94	28.32	81,564	2.51	48.71
41	Town & Country Bank Las Vegas	commercial bank	28.50	-30.04	123,172	3.67	78.54
42	First State Bank Scottsbluff, Neb.	commercial bank	28.40	24.46	235,521	2.63	47.99
43	Midwest Bank Detroit Lakes, Minn.	commercial bank	28.03	25.25	343,790	2.65	46.02
44	Pacific City Bank Los Angeles	commercial bank	27.91	12.47	755,910	3.16	55.94
45	Liberty State Bank Powers Lake, N.D.	commercial bank	27.64	24.35	77,117	2.33	34.85
46	First Financial Bank El Dorado, Ark.	commercial bank	27.57	35.12	855,988	2.84	55.28
47	Farmers and Merchants State Bank Plankinton, S.D.	commercial bank	27.55	26.21	92,548	2.73	41.64
48	First National Bank Fabens, Texas	commercial bank	27.51	29.22	323,036	2.71	48.72
49	T Bank Dallas	commercial bank	27.34	15.55	145,207	3.75	76.32
50	Bank of Baker Mont.	commercial bank	27.10	26.09	147,658	2.35	43.01
51	Northstar Bank Bad Axe, Mich.	commercial bank	26.99	18.78	461,291	2.58	69.40
52	Heartland State Bank Redfield, S.D.	commercial bank	26.94	23.53	78,959	2.71	47.93
53	Great Plains National Bank Elk City, Okla.	commercial bank	26.87	29.52	539,275	2.45	63.07
54	Cowboy Bank of Texas Maypearl, Texas	commercial bank	26.85	26.29	55,418	2.47	54.56
55	Choice Financial Group Grafton, N.D.	commercial bank	26.77	22.76	653,119	2.81	51.98
56	First Bank of Chandler Okla.	commercial bank	26.69	25.15	83,883	2.71	41.01
57	Crockett National Bank San Angelo, Texas	commercial bank	26.48	24.78	440,149	2.53	72.35
58	First National Bank in Howell Mich.	commercial bank	26.41	6.88	311,229	1.01	92.69
59	Ciera Bank Graham, Texas	commercial bank	25.81	16.63	502,076	2.71	53.64
60	Victory Community Bank Fort Mitchell, Ky.	savings bank	25.80	NA	159,077	3.21	41.54
61	Nebraska State Bank Oshkosh	commercial bank	25.64	23.41	47,151	2.49	46.27
62	Freedom Bank Huntingburg, Ind.	commercial bank	25.36	27.28	334,258	2.42	39.91
63	Dakota Community Bank & Trust Hebron, N.D.	commercial bank	25.35	29.94	705,470	1.86	56.09
64	Crestmark Bank Troy, Mich.	commercial bank	25.34	23.94	499,298	3.32	59.66
65	Premier Bank Rock Valley, Iowa	commercial bank	25.30	23.26	291,245	2.81	31.61
66	Greer State Bank S.C.	commercial bank	25.29	16.16	357,918	2.55	70.91
67	Georgia Heritage Bank Dallas	commercial bank	25.28	-38.89	65,187	0.77	87.35
68	Venture Bank Bloomington, Minn.	commercial bank	25.22	24.90	412,093	2.14	51.70
69	Peoples Bank Mendenhall, Miss.	commercial bank	25.21	23.81	237,114	2.47	53.27
70	Ultima Bank Minnesota Winger	commercial bank	25.18	26.66	147,147	2.26	56.20
71	First Community Bank Corpus Christi, Texas	commercial bank	25.14	19.95	356,642	2.02	64.58
72	Peoples Bank & Trust Buford, Ga.	commercial bank	25.11	9.76	274,455	1.06	78.40
	TexasBank Brownwood	commercial bank	25.11	22.83	332,908	3.11	50.67
74	Clayton Bank and Trust Knoxville, Tenn.	commercial bank	24.96	22.01	678,563	3.88	35.96
75	McKenzie County Bank Watford City, N.D.	commercial bank	24.85	24.71	133,805	1.92	50.39
76	First American Bank Stonewall, Okla.	commercial bank	24.82	25.89	29,004	2.73	52.74
77	NOA Bank Duluth, Ga.	commercial bank	24.64	17.52	159,647	3.26	54.10
78	Quail Creek Bank Oklahoma City	commercial bank	24.55	23.29	541,168	2.28	47.74
79	Pacific Valley Bank Salinas, Calif.	commercial bank	24.51	9.43	212,243	2.90	76.97
80	Citizens Commerce National Bank Versailles, Ky.	commercial bank	24.45	5.03	208,566	0.80	107.55
81	Bank of Buffalo Ky.	commercial bank	24.28	23.92	70,447	2.74	32.17
82	Guaranty Bank & Trust Co. of Delhi La.	commercial bank	24.26	24.46	165,131	2.07	56.36
83	Security First National Bank of Hugo Okla.	commercial bank	24.19	24.75	101,676	2.01	48.25
84	Five Star Bank Rocklin, Calif.	commercial bank	24.17	23.33	564,382	2.10	44.12
85	Bank of Glen Ullin N.D.	commercial bank	24.11	19.67	47,265	2.63	43.99
86	First National Bank Arcadia, La.	commercial bank	24.08	22.61	195,610	2.01	62.45
87	Points West Community Bank Julesburg, Colo.	commercial bank	23.98	28.93	207,829	2.37	46.50
88	Iowa State Bank Clarksville	commercial bank	23.92	19.61	279,582	1.93	37.93
89	Bank of Camden Tenn.	commercial bank	23.91	14.48	305,013	3.58	24.32
90	Security Bank Tulsa, Okla.	commercial bank	23.83	21.77	463,734	2.53	29.98
91	Community First Bank New Iberia, La.	commercial bank	23.80	18.45	294,182	1.98	54.90
92	Peoples State Bank Summit, S.D.	commercial bank	23.76	20.92	56,488	2.67	38.26
93	Farmers Exchange Bank Cherokee, Okla.	commercial bank	23.72	25.91	221,846	2.22	44.47
94	St. Martin Bank and Trust Co. St. Martinville, La.	commercial bank	23.69	24.20	422,451	2.53	51.99
95	Bank Northwest Hamilton, Mo.	commercial bank	23.63	21.58	105,118	2.03	50.86
	NewBank Flushing, N.Y.	commercial bank	23.63	21.91	182,349	2.92	40.84
97	Commercial State Bank Andrews, Texas	commercial bank	23.57	16.88	487,608	2.14	55.56
	Liberty Savings Bank FSB St. Cloud, Minn.	savings bank	23.57	NA	190,809	2.33	66.16
99	Brunswick State Bank Neb.	commercial bank	23.38	26.81	94,203	2.10	45.66
100	Peoples State Bank McDonald, Kan.	commercial bank	23.34	29.68	127,701	2.02	51.22
101	Coleman County State Bank Texas	commercial bank	23.32	21.23	94,732	2.18	58.65
102	Mountain Commerce Bank Erwin, Tenn.	commercial bank	23.31	7.96	324,292	2.07	72.85
103	Auburn Banking Co. Ky.	commercial bank	23.29	24.36	72,292	1.65	59.96
104	First State Bank of DeQueen Ark.	commercial bank	23.28	20.70	192,586	1.73	56.99
	Sunrise Bank Cocoa Beach, Fla.	commercial bank	23.28	30.96	106,134	2.22	83.27
106	Citizens State Bank Miles, Texas	commercial bank	23.21	23.27	86,987	2.35	51.59
107	Farmers State Bank Waterloo, Iowa	commercial bank	23.18	25.82	536,789	1.86	53.70
108	FirstBank Antlers, Okla.	commercial bank	23.15	28.11	251,453	1.97	71.77
109	Bloomsdale Bank Mo.	commercial bank	23.13	22.39	190,798	2.27	44.11
110	First National Bank of Central Texas Waco	commercial bank	23.08	27.31	732,226	1.66	51.15
111	Heartland Bank Bryant, Ark.	commercial bank	23.03	19.10	208,005	3.23	46.14
112	Suncrest Bank Visalia, Calif.	commercial bank	23.02	3.19	126,278	2.88	86.35
113	First Bank of Berne Ind.	commercial bank	22.96	25.75	547,340	2.26	51.84
114	National Bank of Andrews Texas	commercial bank	22.91	21.01	156,403	1.97	60.09
115	Brush Country Bank Freer, Texas	commercial bank	22.81	22.05	45,204	1.95	56.92
116	Century Bank of the Ozarks Gainesville, Mo.	commercial bank	22.70	20.86	169,305	2.16	56.41
117	Progressive Ozark Bank Salem, Mo.	commercial bank	22.67	NA	118,498	2.30	63.33
118	LincolnWay Community Bank New Lenox, Ill.	commercial bank	22.66	4.60	137,494	2.20	70.51
119	Lamar Bank and Trust Co. Mo.	commercial bank	22.61	22.93	132,265	2.09	51.57
120	Exchange Bank and Trust Co. Perry, Okla.	commercial bank	22.59	23.11	251,818	1.95	51.40
121	Taylor County Bank Campbellsville, Ky.	commercial bank	22.40	20.70	167,485	2.44	52.02
122	EvaBank Cullman, Ala.	commercial bank	22.38	21.23	323,275	2.40	41.79
123	Bank of Hemet Riverside, Calif.	commercial bank	22.28	24.33	455,295	2.67	46.01
124	Heritage State Bank Lawrenceville, Ill.	commercial bank	22.13	25.05	73,335	2.20	58.36
125	Southwest Capital Bank Las Vegas, N.M.	commercial bank	22.11	24.31	238,882	2.10	51.55
126	First Community Bank of Central Alabama Wetumpka	commercial bank	22.04	19.87	308,543	1.76	51.95
127	Security National Bank of Enid Okla.	commercial bank	22.03	23.01	329,487	2.06	46.17
128	Bank of DeSoto Texas	commercial bank	22.02	23.02	179,390	2.24	59.51
	Coastal Commerce Bank Houma, La.	commercial bank	22.02	20.37	382,123	1.87	55.70
130	Goodfield State Bank Ill.	commercial bank	21.97	31.75	89,307	2.96	52.27
131	First State Bank Louise, Texas	commercial bank	21.94	21.20	332,395	1.77	61.22
132	Vintage Bank Waxahachie, Texas	commercial bank	21.92	20.95	161,182	2.17	58.39
	First Bank Burkburnett, Texas	commercial bank	21.61	20.61	296,452	2.08	68.46
134	First Bank & Trust Co. Wagoner, Okla.	commercial bank	21.55	14.41	288,837	2.20	47.87
135	Basile State Bank La.	commercial bank	21.53	23.52	59,669	2.00	62.29
136	Sunrise Banks St. Paul, Minn.	commercial bank	21.47	27.57	847,415	1.75	71.12
137	AmeriState Bank Atoka, Okla.	commercial bank	21.45	20.54	195,428	2.00	62.78
138	Great Plains Bank Eureka, S.D.	commercial bank	21.42	22.47	101,809	2.13	45.62
139	Southwest National Bank Wichita, Kan.	commercial bank	21.38	22.61	430,522	1.80	56.29
	Farmers and Merchants State Bank of Pierz Minn.	commercial bank	21.38	22.95	175,379	2.18	50.11
141	Bank of the West Thomas, Okla.	commercial bank	21.37	18.78	134,448	2.48	51.70
142	First Bank Strasburg, Va.	commercial bank	21.32	6.15	522,504	1.93	78.67
143	State Bank in Eden Valley Minn.	commercial bank	21.25	17.07	30,685	1.93	62.93
144	Security Bank of Southwest Missouri Cassville	commercial bank	21.17	20.69	75,972	1.98	55.58
145	Dakota Western Bank Bowman, N.D.	commercial bank	21.11	18.58	251,279	2.08	47.52
146	Union Bank of Mena Ark.	commercial bank	21.09	22.78	189,790	2.20	60.59
147	State Bank of New Richland Minn.	commercial bank	21.08	26.69	93,876	2.13	43.61
148	Grant County State Bank Carson, N.D.	commercial bank	21.07	19.08	33,653	2.16	53.91
149	Exchange Bank Gibbon, Neb.	commercial bank	21.06	23.16	493,436	2.11	37.31
150	First Bank Blue Earth Minn.	commercial bank	21.01	18.20	186,538	2.27	48.07
	Citizens State Bank Okemah, Okla.	commercial bank	21.01	29.31	247,549	1.88	34.23
	Pacific Commerce Bank Los Angeles	commercial bank	21.01	4.37	173,154	3.06	94.67
153	Savings Bank Primghar, Iowa	commercial bank	20.99	20.71	158,268	1.74	41.28
154	West Plains Bank and Trust Co. Mo.	commercial bank	20.97	17.11	324,640	1.98	52.73
155	Farmers and Merchants State Bank of Argonia Kan.	commercial bank	20.96	13.24	35,005	1.61	72.30
156	Audubon State Bank Iowa	commercial bank	20.94	19.32	101,936	1.83	59.58
157	CapStone Bank Raleigh, N.C.	commercial bank	20.91	6.66	381,604	2.42	43.16
158	Oak Creek Valley Bank Valparaiso, Neb.	commercial bank	20.83	17.38	69,436	2.26	40.10
159	Charter Bank Eau Claire Wis.	commercial bank	20.82	17.13	559,219	2.83	33.92
	Paradise Bank Boca Raton, Fla.	commercial bank	20.82	19.28	306,013	1.90	64.61
161	Commercial State Bank of Wagner S.D.	commercial bank	20.71	16.42	138,665	2.37	44.07
162	First State Bank of Golva N.D.	commercial bank	20.70	17.81	76,218	1.77	44.94
163	HNB National Bank Hannibal, Mo.	commercial bank	20.69	21.33	404,334	2.22	52.69
164	Commercial Bank of Mott N.D.	commercial bank	20.64	18.77	94,185	2.18	41.82
165	First State Bank Armour, S.D.	commercial bank	20.57	19.20	105,865	1.48	64.82
166	Citizens National Bank of Bluffton Ohio	commercial bank	20.55	21.53	664,841	1.82	61.03
167	Peoples Community Bank Greenville, Mo.	commercial bank	20.52	22.37	163,568	3.20	42.09
168	Security Bank and Trust Co. Paris, Tenn.	commercial bank	20.47	22.86	174,180	1.94	48.42
169	Town and Country Bank Midwest Quincy, Ill.	commercial bank	20.43	23.11	149,439	2.27	56.71
170	Peoples State Bank Blair, Okla.	commercial bank	20.31	28.89	17,458	1.86	68.26
171	Middletown State Bank Ill.	commercial bank	20.29	19.25	28,653	1.91	44.79
	Prairie State Bank and Trust Mount Zion, Ill.	commercial bank	20.29	21.61	707,732	2.00	52.14
173	Mississippi River Bank Belle Chasse, La.	commercial bank	20.25	22.33	135,952	2.09	50.89
174	Starion Financial Bismarck, N.D.	commercial bank	20.22	21.83	961,215	1.82	55.53
175	Commercial Bank & Trust Co. Monticello, Ark.	commercial bank	20.19	15.57	187,022	1.70	58.26
176	Sterling Bank Barron, Wis.	commercial bank	20.15	22.83	213,034	1.77	53.43
177	Luana Savings Bank Iowa	commercial bank	20.05	21.62	620,458	1.88	38.05
178	Henderson State Bank Neb.	commercial bank	20.02	18.21	191,201	1.64	40.51
179	Crescent Bank & Trust New Orleans, La.	commercial bank	19.94	38.33	865,540	2.15	59.69
180	Corydon State Bank Iowa	commercial bank	19.93	22.21	94,099	3.21	21.92
181	Wallis State Bank Texas	commercial bank	19.92	19.30	396,013	2.00	65.13
182	NewFirst National Bank El Campo, Texas	commercial bank	19.87	21.56	539,103	2.04	60.59
183	Marion County State Bank Pella, Iowa	commercial bank	19.86	20.24	262,133	2.10	40.59
184	Citizens Bank of Las Cruces Las Cruces, N.M.	commercial bank	19.83	18.80	435,234	1.99	57.88
185	Lowry State Bank Minn.	commercial bank	19.82	26.03	41,786	1.84	53.90
	Idabel National Bank Okla.	commercial bank	19.82	19.57	116,035	1.92	47.20
	Mid America Bank & Trust Co. Dixon, Mo.	commercial bank	19.82	16.78	143,088	2.26	50.14
188	Waggoner National Bank of Vernon Texas	commercial bank	19.80	19.99	263,195	2.65	45.98
	Texas Citizens Bank Pasadena	commercial bank	19.80	-3.33	320,530	1.79	85.00
190	American State Bank Sioux Center, Iowa	commercial bank	19.79	22.16	637,357	2.29	42.22
191	Citizens Bank Amsterdam, Mo.	commercial bank	19.78	20.63	55,862	1.45	71.84
192	First Neodesha Bank Kan.	commercial bank	19.76	17.98	79,360	1.79	57.69
193	Marlin Business Bank Salt Lake City	commercial bank	19.75	15.60	631,085	2.92	44.90
194	Tri Valley Bank Talmage, Neb.	commercial bank	19.72	24.17	36,948	1.54	43.12
195	Farmers National Bank of Griggsville Ill.	commercial bank	19.71	17.09	68,316	1.76	58.47
196	First National Bank of Picayune Miss.	commercial bank	19.66	16.55	199,897	2.42	53.26
	Grand Marais State Bank Minn.	commercial bank	19.66	23.50	81,243	1.41	64.21
	Jonah Bank of Wyoming Casper	commercial bank	19.66	18.19	254,927	1.80	64.43
	Foundation Bank Bellevue, Wash.	commercial bank	19.66	8.13	363,970	2.01	75.20
200	First South Bank Spartanburg, S.C.	commercial bank	19.65	-45.73	291,317	0.30	93.64

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. 31, 2013. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial