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 September 30, 2014. Dollars in thousands
Published March 5, 2015

Rank Company Type of
institution
Return on average equity Total
assets
Return on
average assets
Efficiency
ratio
3Q 2014 3Q 2013
1 Legacy Bank of Florida Boca Raton, Fla. commercial bank 157.91% 3.83% $274,934 14.92% 86.63%
2 Patriot National Bank Stamford, Conn. commercial bank 114.49 -18.03 623,941 12.60 92.74
3 MBank Gresham, Ore. commercial bank 81.08 25.68 164,488 7.80 71.50
4 Community Bank-Wheaton/Glen Ellyn Glen Ellyn, Ill. commercial bank 71.26 -6.88 335,288 5.60 81.42
5 Advantage Bank Loveland, Colo. commercial bank 69.89 -53.51 264,135 1.89 53.00
6 Edgebrook Bank Chicago, Ill. commercial bank 57.90 -8.39 94,781 2.17 97.45
7 Coastal Bank & Trust Jacksonville, N.C. commercial bank 56.24 -35.96 63,921 6.23 103.84
8 Bank of Blue Valley Overland Park, Kan. commercial bank 53.07 6.94 630,977 6.15 87.30
9 Live Oak Banking Company Wilmington, N.C. commercial bank 50.80 42.11 564,996 5.49 56.43
10 Community savings bank Bethel, Ohio savings bank 49.11 5.19 76,207 9.04 34.70
11 Georgia Heritage Bank Dallas, Ga. commercial bank 48.48 6.25 68,967 2.38 64.60
12 Builders Bank Chicago, Ill. commercial bank 46.87 -15.89 205,527 4.21 53.53
13 West Town Bank & Trust Cicero, Ill. commercial bank 45.91 12.02 173,565 4.88 61.15
14 Greenwood's State Bank Lake Mills, Wis. commercial bank 43.25 4.01 152,494 4.38 75.53
15 Charter Bank Corpus Christi, Texas commercial bank 42.51 44.29 254,612 3.49 45.64
16 Friendly Hills Bank Whittier, Calif. commercial bank 42.49 1.68 113,344 5.27 85.50
17 BANK'34 MHC Alamogordo, N.M. savings bank 41.96 -3.74 254,466 5.60 51.12
18 PlantersFirst Cordele, Ga. commercial bank 41.68 14.29 266,798 3.20 70.54
19 Cornerstone Bank Fargo, N.D. commercial bank 39.36 5.98 237,903 4.86 94.44
20 Neighborhood National Bank Alexandria, Minn. commercial bank 39.04 3.61 51,192 4.21 43.41
21 First South Bank Spartanburg, S.C. commercial bank 38.38 -41.40 259,649 0.98 74.16
22 Great Plains National Bank Elk City, Okla. commercial bank 37.93 23.23 605,930 3.09 65.76
23 First Reliance Bank Florence, S.C. commercial bank 36.21 -21.21 367,133 4.09 83.73
24 United Community Bank of North Dakota Leeds, N.D. commercial bank 36.00 31.69 305,647 3.26 34.02
25 Peoples Bank & Trust Company Ryan, Okla. commercial bank 35.77 14.00 31,468 4.54 88.42
26 Concordia Bank Concordia, Mo. commercial bank 35.47 17.10 58,829 3.76 44.53
27 Continental Bank Salt Lake City, Utah commercial bank 35.27 39.94 166,897 6.12 33.03
28 Prime Pacific Bank, National Association Lynnwood, Wash. commercial bank 34.64 8.64 128,260 3.59 51.08
29 Triumph Community Bank, National Association Moline, Ill. commercial bank 34.59 5.11 923,012 4.45 29.26
30 Riverside Bank Sparkman, Ark. commercial bank 34.31 32.44 59,943 3.08 47.30
31 Town and Country Bank Midwest Quincy, Ill. commercial bank 33.78 19.50 149,938 4.04 40.37
32 Lafayette State Bank Mayo, Fla. commercial bank 33.55 5.20 93,268 1.74 -33.79
33 Community Bank & Trust - West Georgia LaGrange, Ga. commercial bank 32.77 -18.49 88,674 1.34 78.30
34 Citizens State Bank of La Crosse La Crosse, Wis. commercial bank 32.57 33.11 157,212 2.86 47.64
35 Titan Bank, N.A. Mineral Wells, Texas commercial bank 32.28 5.48 78,679 3.32 55.06
36 Texas Bank Financial Weatherford, Texas commercial bank 32.18 19.92 113,976 2.80 71.01
37 Almena State Bank Almena, Kan. commercial bank 32.07 27.33 34,167 2.45 63.34
38 CFG Community Bank Baltimore, Md. commercial bank 31.51 15.22 567,965 4.06 47.31
39 First Bank of Chandler Chandler, Okla. commercial bank 31.42 30.35 87,002 3.21 35.19
40 Bank of Hydro Hydro, Okla. commercial bank 31.32 30.97 134,064 2.41 42.13
41 Northpointe Bank Grand Rapids, Mich. commercial bank 31.19 24.34 360,584 2.68 64.29
42 PrinsBank Prinsburg, Minn. commercial bank 30.91 49.61 122,259 3.42 45.91
43 Citizens State Bank Miles, Texas commercial bank 30.63 23.96 96,303 2.96 44.87
44 Darien Rowayton Bank Darien, Conn. commercial bank 30.58 5.20 439,555 2.34 57.62
45 First Bank & Trust Company Wagoner, Okla. commercial bank 30.47 23.25 255,898 3.36 49.03
46 Morris State Bank Morris, Okla. commercial bank 30.40 28.62 69,424 2.51 53.42
47 Security State Bank Sutherland, Iowa commercial bank 30.34 29.38 101,328 2.62 35.20
48 Nebraska State Bank Oshkosh, Neb. commercial bank 30.23 13.66 48,062 3.36 42.62
49 Venture Bank Bloomington, Minn. commercial bank 30.12 29.03 516,269 2.38 53.44
50 PrimeSouth Bank Blackshear, Ga. commercial bank 29.83 23.89 331,359 2.30 56.48
51 Prime Bank Edmond, Okla. commercial bank 29.31 32.81 214,428 2.73 40.48
52 Farmers Exchange Bank Cherokee, Okla. commercial bank 28.83 23.19 242,666 2.68 37.77
53 Choice Financial Group Fargo, N.D. commercial bank 28.68 23.38 902,215 3.03 45.89
54 Community Bank of Raymore Raymore, Mo. commercial bank 28.42 18.94 177,700 2.36 63.48
55 Farmers Bank and Trust Company Blytheville, Ark. commercial bank 28.32 25.42 407,950 2.67 49.13
56 NOA Bank Duluth, Ga. commercial bank 28.22 23.98 183,834 3.46 46.69
57 Ultima Bank Minnesota Winger, Minn. commercial bank 28.03 22.52 155,379 2.51 49.29
58 North Georgia National Bank Calhoun, Ga. commercial bank 27.91 -2.08 114,289 3.00 93.80
59 Dakota Community Bank & Trust, National Association Hebron, N.D. commercial bank 27.44 32.26 749,762 2.13 51.54
60 Wallis State Bank Wallis, Texas commercial bank 27.43 18.42 394,428 2.85 59.04
61 Farmers and Merchants Bank Maysville, Okla. commercial bank 27.26 29.46 21,397 1.96 55.70
62 Auburn Banking Company Auburn, Ky. commercial bank 26.92 25.43 73,016 2.02 56.91
63 Bank 7 Oklahoma City, Okla. commercial bank 26.90 32.93 447,644 2.53 46.48
64 Lowry State Bank Lowry, Minn. commercial bank 26.80 24.81 42,671 2.71 47.40
65 McKenzie County Bank Watford City, N.D. commercial bank 26.67 20.62 158,309 1.73 48.77
66 Points West Community Bank Julesburg, Colo. commercial bank 26.63 27.82 218,289 2.60 43.60
67 Security Bank Tulsa, Okla. commercial bank 26.53 25.20 495,523 2.82 32.08
68 Guaranty Bank & Trust Company of Delhi, Louisiana Delhi, La. commercial bank 26.43 23.94 185,470 2.23 53.86
69 Peoples State Bank Summit, S.D. commercial bank 26.36 20.85 59,981 2.95 37.31
70 Cross River Bank Teaneck, N.J. commercial bank 26.34 10.56 295,163 2.83 47.10
71 Farmers & Merchants State Bank of Cawker City Cawker City, Kan. commercial bank 26.32 16.67 16,693 2.37 43.65
72 State Bank of Texas Dallas, Texas commercial bank 26.30 22.69 376,250 6.45 15.51
73 Beardstown Savings s.b. Beardstown, Ill. savings bank 26.23 3.90 44,723 2.91 76.79
74 First State Bank Scottsbluff, Neb. commercial bank 26.21 26.96 272,198 2.28 45.38
75 Community First Bank New Iberia, La. commercial bank 26.19 26.07 313,643 2.31 53.20
76 Cowboy Bank of Texas Maypearl, Texas commercial bank 26.15 30.43 58,718 2.64 54.61
77 BankWest, Inc. Pierre, S.D. commercial bank 26.07 17.74 879,215 2.54 53.39
78 Grant County State Bank Carson, N.D. commercial bank 26.04 30.25 36,411 2.76 45.33
79 Wells Bank of Platte City Platte City, Mo. commercial bank 26.03 41.32 114,906 2.37 46.54
80 State Bank of New Richland New Richland, Minn. commercial bank 25.97 20.83 96,448 2.59 33.63
81 St. Martin Bank and Trust Company Saint Martinville, La. commercial bank 25.91 25.97 466,617 2.77 44.86
82 First National Bank Arcadia, La. commercial bank 25.68 23.28 211,202 2.19 60.58
83 Exchange Bank and Trust Company Perry, Okla. commercial bank 25.61 23.58 280,351 2.33 49.42
  Great American Bank Lawrence, Kan. commercial bank 25.61 7.41 149,230 2.90 68.31
85 Caldwell Bank & Trust Company Columbia, La. commercial bank 25.55 14.56 151,074 2.43 43.79
  Crockett National Bank San Angelo, Texas commercial bank 25.55 38.08 475,088 2.42 73.89
87 Community Bank Longview, Texas commercial bank 25.43 28.12 221,333 2.20 45.71
88 First Federal of Northern Michigan Alpena, Mich. savings bank 25.42 3.75 311,639 2.15 54.35
89 Five Star Bank Rocklin, Calif. commercial bank 25.31 25.12 623,714 2.06 41.43
90 River Community Bank, National Association Martinsville, Va. commercial bank 25.28 6.46 108,501 2.19 72.19
91 Farmers savings bank Wever, Iowa commercial bank 25.26 22.52 120,420 2.59 39.60
92 First National Bank Fabens, Texas commercial bank 25.24 27.20 322,718 2.72 50.42
93 First Financial Bank El Dorado, Ark. commercial bank 25.17 22.97 902,451 2.68 54.71
94 First State Bank Armour, S.D. commercial bank 25.13 22.02 112,713 1.77 57.71
95 First Bank Burkburnett, Texas commercial bank 25.06 22.89 332,867 2.20 67.36
96 Spring Bank Bronx, N.Y. commercial bank 24.86 9.92 105,207 3.23 52.52
97 RidgeStone Bank Brookfield, Wis. commercial bank 24.80 12.32 386,893 3.22 53.37
98 Freedom Bank Huntingburg, Ind. commercial bank 24.62 24.35 344,520 2.38 40.74
99 Yampa Valley Bank Steamboat Springs, Colo. commercial bank 24.56 14.19 199,356 2.40 55.03
100 First State Bank of DeQueen De Queen, Ark. commercial bank 24.53 25.83 201,962 1.92 57.46
101 First National Bank of Eagle Lake Eagle Lake, Texas commercial bank 24.45 -4.37 109,775 2.34 67.95
102 Coleman County State Bank Coleman, Texas commercial bank 24.41 25.41 103,850 2.29 55.79
103 FirstBank Antlers, Okla. commercial bank 24.40 21.72 268,373 2.01 71.82
104 Heritage State Bank Lawrenceville, Ill. commercial bank 24.32 24.15 76,819 2.60 52.10
105 Brunswick State Bank Brunswick, Neb. commercial bank 24.31 29.85 93,337 2.48 44.62
  Heartland Bank Little Rock, Ark. commercial bank 24.31 21.74 225,050 3.57 47.09
107 Security Bank Laurel, Neb. commercial bank 24.23 14.37 184,348 2.79 49.38
108 Providence Bank & Trust South Holland, Ill. commercial bank 24.20 6.43 495,391 2.17 46.29
109 Liberty State Bank Powers Lake, N.D. commercial bank 24.18 30.98 82,710 2.27 37.20
110 Bank Northwest Hamilton, Mo. commercial bank 24.09 26.86 105,323 2.12 52.37
  Coastal Commerce Bank Houma, La. commercial bank 24.09 22.38 413,583 2.16 55.59
112 Community First Bank of the Heartland Mount Vernon, Ill. commercial bank 24.06 21.27 170,528 2.29 54.75
113 Bank Star One Fulton, Mo. commercial bank 24.05 5.13 86,141 2.67 75.30
  Great Plains Bank Eureka, S.D. commercial bank 24.05 27.68 99,765 2.50 43.14
115 Farmers State Bank of Underwood Underwood, Minn. commercial bank 24.01 18.34 57,949 2.07 59.29
116 Bank of Buffalo Buffalo, Ky. commercial bank 23.87 28.24 73,129 2.72 37.10
117 New Century Bank Belleville, Kan. commercial bank 23.80 13.05 26,426 2.60 67.20
118 McIntosh County Bank Ashley, N.D. commercial bank 23.79 16.76 87,219 2.53 44.00
119 Priority Bank Ozark, Ark. savings bank 23.75 18.93 82,365 2.40 66.42
120 Peoples State Bank McDonald, Kan. commercial bank 23.74 17.35 133,248 2.17 53.88
121 Welcome State Bank Welcome, Minn. commercial bank 23.61 23.01 25,934 2.38 49.38
122 Luana savings bank Luana, Iowa commercial bank 23.57 22.07 674,551 2.18 32.58
123 Central Bank and Trust Co. Hutchinson, Kan. commercial bank 23.56 23.06 258,299 1.98 55.88
  Lamar Bank and Trust Company Lamar, Mo. commercial bank 23.56 23.16 133,607 2.22 48.47
125 Adams County Bank Kenesaw, Neb. commercial bank 23.53 19.91 160,135 1.69 39.87
126 Midwest Bank Detroit Lakes, Minn. commercial bank 23.52 23.84 345,851 2.30 48.27
127 Guardian savings bank, F.S.B. West Chester, Ohio savings bank 23.50 32.49 800,872 2.46 42.56
128 NewBank Flushing, N.Y. commercial bank 23.39 21.26 195,839 3.19 39.88
129 Bank of Hemet Riverside, Calif. commercial bank 23.36 24.16 491,027 2.73 44.66
130 Prime Alliance Bank Woods Cross, Utah commercial bank 23.31 12.01 163,326 3.18 37.27
131 Charter Bank Eau Claire Eau Claire, Wis. commercial bank 23.30 24.37 583,872 3.30 30.59
132 Security First Bank of North Dakota Center, N.D. commercial bank 23.26 20.41 173,719 2.51 53.39
133 Premier Bank Rock Valley, Iowa commercial bank 23.25 26.21 297,824 2.73 34.34
134 commercial bank of Mott Mott, N.D. commercial bank 23.19 25.84 98,984 2.61 43.40
135 Delta Bank Vidalia, La. commercial bank 23.18 22.35 246,370 1.88 61.02
136 First Community Bank Corpus Christi, Texas commercial bank 23.17 25.28 367,848 2.10 67.11
137 Morris Bank Dublin, Ga. commercial bank 23.13 20.26 478,986 2.46 45.70
138 Pacific Enterprise Bank Irvine, Calif. commercial bank 23.06 9.89 348,700 2.79 44.02
139 Bank of Prague Prague, Neb. commercial bank 23.03 23.40 22,254 3.73 40.88
140 Mid America Bank & Trust Company Dixon, Mo. commercial bank 23.01 20.70 146,167 3.29 38.54
141 First National Bank and Trust Company of Okmulgee Okmulgee, Okla. commercial bank 22.95 21.23 267,241 2.57 56.05
142 Bank of Baker Baker, Mont. commercial bank 22.94 29.29 157,069 1.90 49.15
143 Mid America Bank Linn, Mo. commercial bank 22.93 21.01 356,246 1.70 52.27
144 Millennium Bank Des Plaines, Ill. commercial bank 22.80 5.81 58,445 2.15 46.21
145 Bloomsdale Bank Bloomsdale, Mo. commercial bank 22.72 28.38 197,677 2.23 47.80
146 Crescent Bank & Trust New Orleans, La. commercial bank 22.70 18.04 941,137 2.54 53.87
  savings bank Primghar, Iowa commercial bank 22.70 20.91 168,247 2.00 41.20
148 North Valley Bank Thornton, Colo. commercial bank 22.69 15.41 141,910 2.41 58.56
149 BankSouth Greensboro, Ga. savings bank 22.67 19.22 375,240 2.46 79.22
150 Bank of Geneva Geneva, Ind. commercial bank 22.66 17.61 215,288 2.39 50.26
151 Basile State Bank Basile, La. commercial bank 22.58 23.02 57,671 2.16 60.52
  Security First National Bank of Hugo Hugo, Okla. commercial bank 22.58 21.18 105,272 1.97 50.28
153 Security Bank and Trust Company Paris, Tenn. commercial bank 22.56 24.23 173,074 2.23 40.94
154 1st Bank & Trust Broken Bow, Okla. commercial bank 22.55 21.44 128,422 2.57 46.85
  First Community Bank Santa Rosa, Calif. commercial bank 22.55 13.83 881,526 2.33 44.81
156 Farmers and Merchants Bank of Kendall Kendall, Wis. commercial bank 22.54 15.18 72,931 2.91 47.21
157 Security Bank USA Bemidji, Minn. commercial bank 22.47 17.95 126,303 2.03 61.39
  Village Bank Saint Francis, Minn. commercial bank 22.47 103.38 175,696 1.84 68.16
159 Bank of Newington Newington, Ga. commercial bank 22.44 14.71 82,984 1.62 72.39
  First State Bank Boise City, Okla. commercial bank 22.44 21.08 62,310 1.98 46.86
161 T Bank, National Association Dallas, Texas commercial bank 22.37 16.04 162,266 2.92 68.93
162 Murphy Bank Fresno, Calif. commercial bank 22.29 19.55 179,426 2.76 45.93
163 First National Bank of Las Animas Las Animas, Colo. commercial bank 22.26 16.32 318,035 2.37 44.80
164 Orange County Business Bank Irvine, Calif. commercial bank 22.23 1.15 201,627 4.31 84.79
165 Citizens State Bank at Mohall Mohall, N.D. commercial bank 22.21 22.06 65,383 1.84 49.45
166 First State Bank Yukon, Okla. commercial bank 22.19 8.56 21,625 1.97 71.07
167 Northland Financial Steele, N.D. commercial bank 22.15 16.20 196,639 1.93 60.60
168 Taylor County Bank Campbellsville, Ky. commercial bank 22.12 19.79 169,424 2.57 49.63
169 Bridgewater Bank Bloomington, Minn. commercial bank 22.11 18.20 662,240 1.99 34.48
170 Bank of Monticello Monticello, Ga. commercial bank 22.08 19.86 97,768 1.31 69.11
171 Commercial State Bank of Wagner Wagner, S.D. commercial bank 22.06 19.30 142,171 2.56 37.91
172 First Bank of Berne Berne, Ind. commercial bank 22.05 26.65 540,746 2.16 47.38
173 Glenwood State Bank Glenwood, Minn. commercial bank 22.00 20.08 227,137 2.04 55.32
  KodaBank Drayton, N.D. commercial bank 22.00 19.80 141,460 2.27 43.27
175 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie, Minn. commercial bank 21.99 20.14 74,512 1.91 56.39
176 Freedom Bank of Southern Missouri Cassville, Mo. commercial bank 21.98 17.33 206,871 1.66 58.68
  Quail Creek Bank, National Association Oklahoma City, Okla. commercial bank 21.98 26.07 560,863 2.06 49.58
178 First National Bank of Central Texas Waco, Texas commercial bank 21.94 23.72 742,782 1.74 50.85
179 First Community Bank of Central Alabama Wetumpka, Ala. commercial bank 21.83 21.63 315,040 1.81 53.22
180 Tri Valley Bank Talmage, Neb. commercial bank 21.80 26.54 34,333 1.93 41.13
181 ACB Bank Cherokee, Okla. commercial bank 21.78 30.61 89,688 1.88 58.72
  Bank of the West Thomas, Okla. commercial bank 21.78 22.75 138,401 2.39 52.15
183 Missouri Bank and Trust Company of Kansas City Kansas City, Mo. commercial bank 21.77 21.66 540,104 1.56 57.48
  Wyoming Bank & Trust Cheyenne, Wyo. commercial bank 21.77 22.10 144,952 2.30 83.10
185 Central National Bank Waco, Texas commercial bank 21.73 19.64 732,830 1.81 47.93
  Jonesburg State Bank Jonesburg, Mo. commercial bank 21.73 20.91 69,059 1.83 62.41
187 Sound Banking Company Tacoma, Wash. commercial bank 21.70 22.67 53,717 2.04 57.85
188 Citizens National Bank of Park Rapids Park Rapids, Minn. commercial bank 21.69 18.84 222,499 2.21 51.64
189 Security National Bank of Enid Enid, Okla. commercial bank 21.66 21.51 318,169 2.04 45.50
190 Bank of Glen Ullin Glen Ullin, N.D. commercial bank 21.65 26.65 53,367 2.20 40.89
191 NSB Bank Mason City, Iowa commercial bank 21.53 18.24 182,163 1.91 46.45
  State savings bank Creston, Iowa commercial bank 21.53 19.46 97,090 1.99 51.24
193 Security Bank of Southwest Missouri Cassville, Mo. commercial bank 21.51 22.53 79,452 2.05 53.82
194 Chesterfield State Bank Chesterfield, Ill. commercial bank 21.49 16.45 21,334 1.85 51.75
195 Oak Creek Valley Bank Valparaiso, Neb. commercial bank 21.41 27.80 75,385 2.72 28.74
196 Idabel National Bank Idabel, Okla. commercial bank 21.36 20.20 123,022 2.02 50.60
197 First State Bank Louise, Texas commercial bank 21.35 23.97 347,172 1.69 58.97
198 Stock Growers Bank Napoleon, N.D. commercial bank 21.33 20.65 60,395 2.72 32.56
199 Bank of DeSoto, National Association Desoto, Texas commercial bank 21.32 21.32 187,627 2.14 57.31
200 Farmers State Bank Waterloo, Iowa commercial bank 21.30 22.97 591,429 1.74 52.43

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. 11, 2014. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2015 American Banker