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 Dec. 31, 2014. Dollars in thousands
Published May 22, 2015

Rank Company Type of
institution
Return on average equity Total
assets
Return on
average assets
Efficiency
ratio
4Q 2014 4Q 2013
1 OptimumBank Plantation, Fla. commercial 89.58% -77.46% $129,227 5.60% 64.40
2 Florida Bank Tampa commercial 68.56 -11.99 565,102 7.69 92.08
3 AB&T National Bank Albany, Ga. commercial 60.18 5.06 145,194 5.86 86.84
4 State Bank of Texas Dallas commercial 57.11 17.32 834,941 11.52 13.07
5 Georgia Heritage Bank Dallas commercial 46.66 25.28 70,546 2.23 68.68
6 Advantage Bank Loveland, Colo. commercial 46.21 -59.50 261,922 1.33 63.83
7 Legacy Bank of Florida Boca Raton commercial 45.70 6.16 271,487 4.05 86.55
8 Oxford Bank Mich. commercial 44.91 9.57 262,133 2.93 84.39
9 Charter Bank Corpus Christi, Texas commercial 42.49 40.47 252,672 3.38 46.82
10 Community Shores Bank Muskegon, Mich. commercial 39.99 7.12 184,122 2.12 92.12
11 Live Oak Banking Co. Wilmington, N.C. commercial 38.46 46.18 634,053 4.03 59.14
12 Continental Bank Salt Lake City commercial 37.54 32.62 172,660 6.74 33.19
13 Great Plains National Bank Elk City, Okla. commercial 36.92 26.87 636,758 3.02 64.90
14 Village Bank St. Francis, Minn. commercial 35.99 49.23 186,290 2.87 69.18
15 Citizens Bank of Logan Ohio commercial 35.74 11.00 199,725 2.47 80.65
16 Sandhills Bank North Myrtle Beach, S.C. commercial 34.92 7.43 102,263 3.58 79.20
17 PrinsBank Prinsburg, Minn. commercial 34.19 35.45 126,227 3.77 44.66
18 Peoples Bank & Trust Co. Ryan, Okla. commercial 33.97 11.99 31,771 4.36 88.02
19 MBank Gresham, Ore. commercial 33.80 19.48 162,700 2.98 72.05
20 Floridian Bank Daytona Beach commercial 33.37 5.25 399,977 3.66 82.50
21 Noah Bank Elkins Park, Pa. commercial 32.05 4.89 298,249 2.96 52.25
22 Foundations Bank Pewaukee, Wis. commercial 31.80 10.49 125,387 5.13 73.67
23 Citizens State Bank of La Crosse Wis. commercial 31.52 33.88 163,414 2.74 48.87
24 Riverside Bank Sparkman, Ark. commercial 31.31 31.85 57,924 2.89 49.04
25 Bank of Hydro Okla. commercial 30.99 31.93 137,289 2.48 42.15
26 Hanover Community Bank Garden City Park, N.Y. commercial 30.97 -15.39 169,021 3.69 76.26
27 Morris State Bank Okla. commercial 30.89 29.82 72,533 2.52 53.71
28 Northpointe Bank Grand Rapids, Mich. commercial 30.30 8.10 421,350 2.55 63.22
29 Treasure State Bank Missoula, Mont. commercial 30.01 8.57 71,577 3.36 85.41
30 Uniti Bank Buena Park, Calif. commercial 29.99 5.02 189,906 4.25 82.93
31 United Community Bank of North Dakota Leeds commercial 29.80 29.43 307,484 2.72 41.24
32 Edgebrook Bank Chicago commercial 29.75 -56.52 95,169 0.97 100.28
33 Patriot National Bank Stamford, Conn. commercial 29.51 -13.45 633,095 3.02 91.09
34 Security State Bank Sutherland, Iowa commercial 29.35 29.78 110,800 2.58 35.66
35 Carolina Trust Bank Lincolnton, N.C. commercial 29.18 -6.16 293,307 2.63 79.81
36 Citizens State Bank Miles, Texas commercial 29.14 23.21 98,335 2.82 46.46
37 First Bank of Chandler Okla. commercial 28.86 26.69 85,208 2.97 39.75
38 Monterey County Bank Calif. commercial 28.71 1.62 211,083 1.87 70.24
39 Farmers Exchange Bank Cherokee, Okla. commercial 27.90 23.72 264,054 2.52 39.37
40 Prime Bank Edmond, Okla. commercial 27.77 29.70 209,991 2.66 41.81
41 Venture Bank Bloomington, Minn. commercial 27.56 25.22 493,643 2.24 53.50
42 First State Bank Scottsbluff, Neb. commercial 27.27 28.40 252,584 2.52 46.70
43 Nebraska State Bank Oshkosh commercial 27.02 25.64 47,893 2.97 46.78
44 Choice Financial Group Fargo, N.D. commercial 26.99 26.77 915,590 2.68 49.35
45 First Bank & Trust Co. Wagoner, Okla. commercial 26.74 21.55 274,115 2.89 50.27
46 Haverford Trust Co. Radnor, Pa. commercial 26.61 14.89 104,546 4.65 83.34
47 Guaranty Bank & Trust Co. of Delhi La. commercial 26.55 24.26 177,831 2.22 53.59
48 Central Bank and Trust Co. Hutchinson, Kan. commercial 26.49 16.87 258,995 2.20 54.99
49 First National Bank Fabens, Texas commercial 26.45 27.51 327,660 2.78 50.26
50 NOA Bank Duluth, Ga. commercial 26.25 24.64 196,608 3.29 48.54
51 Bank 7 Oklahoma City commercial 26.22 35.20 478,704 2.42 49.09
52 Ultima Bank Minnesota Winger commercial 26.13 25.18 158,497 2.37 52.07
53 Wells Bank of Platte City Mo. commercial 26.00 31.65 122,421 2.34 47.93
54 Mountain Pacific Bank Everett, Wash. commercial 25.70 2.33 155,486 3.14 86.59
55 Peoples State Bank Summit, S.D. commercial 25.66 23.76 60,045 2.86 37.23
56 Farmers & Merchants Bank Lakeland, Ga. commercial 25.54 -7.54 552,594 0.73 68.38
57 Bank of Versailles Mo. commercial 25.43 1.84 225,945 2.65 83.67
58 Cowboy Bank of Texas Maypearl commercial 25.30 26.85 60,309 2.53 55.48
59 Bank of Eastman Ga. commercial 25.19 -19.37 187,419 1.45 72.07
60 Community Bank Longview, Texas commercial 25.12 29.14 214,467 2.15 46.76
61 Dakota Community Bank & Trust Hebron, N.D. commercial 25.09 25.35 784,401 1.92 54.81
  Peoples Bank & Trust Buford, Ga. commercial 25.09 25.11 273,424 1.48 65.11
63 First National Bank Arcadia, La. commercial 25.01 24.08 207,269 2.13 61.85
64 Peoples State Bank McDonald, Kan. commercial 24.95 23.34 135,206 2.26 49.99
65 PrimeSouth Bank Blackshear, Ga. commercial 24.89 16.73 326,172 1.84 61.69
66 Texas Bank Financial Weatherford commercial 24.85 18.79 122,304 2.17 75.10
67 Auburn Banking Co. Ky. commercial 24.81 23.29 72,937 1.80 58.78
68 Bank Northwest Hamilton, Mo. commercial 24.74 23.63 112,867 2.14 51.17
69 Freedom Bank Huntingburg, Ind. commercial 24.69 25.36 350,325 2.40 40.17
70 Exchange Bank and Trust Co. Perry, Okla. commercial 24.62 22.59 288,045 2.18 50.45
71 Security Bank Tulsa, Okla. commercial 24.48 23.83 479,071 2.65 32.34
72 First Financial Bank El Dorado, Ark. commercial 24.44 27.57 915,717 2.59 55.59
73 Frontenac Bank Earth City, Mo. commercial 24.42 2.65 271,175 2.31 94.11
74 Brunswick State Bank Neb. commercial 24.31 23.38 97,993 2.39 45.09
75 St. Martin Bank and Trust Co. St. Martinville, La. commercial 24.20 23.69 525,828 2.49 49.38
  Farmers and Merchants Bank Maysville, Okla. commercial 24.20 26.59 21,692 1.70 60.79
77 Neighborhood National Bank Alexandria, Minn. commercial 23.99 7.00 51,104 2.48 55.67
  Five Star Bank Rocklin, Calif. commercial 23.99 24.17 603,753 2.07 43.63
79 Points West Community Bank Julesburg, Colo. commercial 23.85 23.98 215,371 2.34 44.73
80 RidgeStone Bank Brookfield, Wis. commercial 23.80 15.57 394,511 3.10 50.56
81 Farmers & Merchants State Bank of Cawker City Kan. commercial 23.71 17.70 18,062 2.11 44.60
82 Republic Bank Bountiful, Utah commercial 23.68 31.56 277,804 3.14 21.84
83 ACB Bank Cherokee, Okla. commercial 23.67 28.94 97,235 2.03 57.68
84 Freedom Bank of America St. Petersburg, Fla. commercial 23.59 2.39 118,936 2.78 86.98
85 Premier Bank Rock Valley, Iowa commercial 23.58 25.30 305,490 2.74 33.49
86 Farmers Bank and Trust Co. Blytheville, Ark. commercial 23.54 14.24 413,371 2.19 53.67
87 FirstBank Antlers, Okla. commercial 23.47 23.15 283,827 1.91 71.58
88 Bank of Baker Mont. commercial 23.44 27.10 162,811 1.98 45.00
89 First Community Bank Corpus Christi, Texas commercial 23.39 25.14 371,408 2.07 67.96
90 Community Bank-Wheaton/Glen Ellyn Ill. commercial 23.36 -10.53 343,164 1.74 85.33
91 Mid America Bank & Trust Co. Dixon, Mo. commercial 23.26 19.82 145,156 3.24 37.59
92 Coastal Commerce Bank Houma, La. commercial 23.25 22.02 414,528 2.04 56.20
93 CornerStone Bank Lexington, Va. commercial 23.24 7.45 112,849 2.57 50.53
94 NewBank Flushing, N.Y. commercial 23.22 23.63 201,342 3.07 42.16
95 Clatsop Community Bank Seaside, Ore. commercial 23.16 5.09 71,244 2.50 79.52
96 Heartland Bank Little Rock, Ark. commercial 23.12 23.03 234,403 3.40 47.54
97 Farmers and Merchants State Bank Plankinton, S.D. commercial 22.89 27.55 101,050 2.23 43.36
  Coleman County State Bank Texas commercial 22.89 23.32 105,201 2.14 58.35
99 Peoples Bank Mendenhall, Miss. commercial 22.86 25.21 243,010 2.22 56.07
  First State Bank of DeQueen Ark. commercial 22.86 23.28 203,080 1.73 58.15
101 First Community Bank of Central Alabama Wetumpka commercial 22.85 22.04 335,236 1.83 53.83
102 Lamar Bank and Trust Co. Mo. commercial 22.82 22.61 135,190 2.11 50.25
103 Security First National Bank of Hugo Okla. commercial 22.77 24.19 104,802 1.88 51.51
104 West Town Bank & Trust North Riverside, Ill. commercial 22.76 16.92 183,453 2.47 73.80
  Community First Bank New Iberia, La. commercial 22.76 23.80 326,925 1.93 57.11
106 Lowry State Bank Minn. commercial 22.74 19.82 42,503 2.25 53.69
107 First Bank of Berne Ind. commercial 22.66 22.96 549,138 2.20 48.84
108 Clear Lake Bank and Trust Co. Iowa commercial 22.59 19.31 353,864 1.92 53.84
109 AmeriState Bank Atoka, Okla. commercial 22.56 21.45 216,636 2.02 63.62
110 Farmers and Merchants Bank of Kendall Wis. commercial 22.51 33.01 73,541 2.92 47.36
111 Citizens Bank of Las Cruces N.M. commercial 22.42 19.83 450,081 2.12 52.75
112 First National Bank of Central Texas Waco commercial 22.33 23.08 732,244 1.75 51.03
113 Midwest Bank Detroit Lakes, Minn. commercial 22.27 28.03 342,461 2.16 49.26
114 First National Bank of Las Animas Colo. commercial 22.20 18.77 317,066 2.36 47.00
115 Bloomsdale Bank Mo. commercial 22.12 23.13 200,594 2.19 49.45
  Almena State Bank Kan. commercial 22.12 31.83 33,691 1.68 72.41
117 Bank of the West Thomas, Okla. commercial 22.11 21.37 137,152 2.47 51.81
118 Wallis State Bank Texas commercial 22.06 19.92 396,264 2.26 63.35
119 First State Bank Louise, Texas commercial 22.04 21.11 358,236 1.74 61.21
120 Luana Savings Bank Iowa commercial 22.02 20.05 708,312 2.00 34.73
121 EvaBank Cullman, Ala. commercial 21.99 22.38 330,728 2.99 40.00
122 Commercial State Bank of Wagner S.D. commercial 21.92 20.71 146,986 2.48 40.03
123 State Bank of New Richland Minn. commercial 21.90 21.08 101,021 2.15 41.68
124 Community First Bank of the Heartland Mount Vernon, Ill. commercial 21.87 19.44 171,486 2.02 56.86
125 Millennium Bank Des Plaines, Ill. commercial 21.85 -1.13 62,092 2.10 57.36
126 BankWest, Inc. Pierre, S.D. commercial 21.82 17.33 889,163 2.10 59.15
127 Exchange Bank Gibbon, Neb. commercial 21.57 21.06 673,073 2.18 42.60
128 Quail Creek Bank Oklahoma City commercial 21.54 24.55 574,631 2.04 48.39
129 Bank of Buffalo Ky. commercial 21.52 24.28 72,922 2.45 36.74
130 Caldwell Bank & Trust Co. Columbia, La. commercial 21.51 16.08 146,797 2.04 63.58
131 Crockett National Bank San Angelo, Texas commercial 21.50 26.48 489,637 2.07 76.98
132 Mid America Bank Linn, Mo. commercial 21.40 17.58 365,483 1.59 52.33
133 Bank of Hemet Riverside, Calif. commercial 21.37 22.28 489,353 2.54 48.33
134 Howard Bank Ellicott City, Md. commercial 21.36 5.48 691,345 1.92 52.36
135 First Bank Burkburnett, Texas commercial 21.35 21.61 328,684 1.93 69.56
136 Brush Country Bank Freer, Texas commercial 21.26 22.81 47,045 1.94 59.17
137 Missouri Bank II Sedalia, Mo. commercial 21.21 16.41 85,031 2.31 50.51
  Great Plains Bank Eureka, S.D. commercial 21.21 21.42 102,301 2.21 45.89
139 Savings Bank Primghar, Iowa commercial 21.14 20.99 178,700 1.82 41.15
140 Newton Federal Bank Covington, Ga. savings 21.07 4.16 224,712 3.60 69.51
  Southwest National Bank Wichita, Kan. commercial 21.07 21.38 441,679 1.83 55.03
142 Progressive Ozark Bank Salem, Mo. commercial 21.05 22.67 116,327 2.15 64.31
143 Town and Country Bank Midwest Quincy, Ill. commercial 20.97 20.31 160,220 2.47 48.13
144 Morris Bank Dublin, Ga. commercial 20.96 19.35 503,858 2.21 48.39
145 Security Bank of Southwest Missouri Cassville commercial 20.88 21.17 79,794 1.92 55.63
146 First State Bank of Warner S.D. commercial 20.80 11.46 61,136 1.90 61.33
147 Basile State Bank La. commercial 20.68 21.49 57,676 1.93 60.80
148 Bank of DeSoto Texas commercial 20.64 22.02 186,082 2.09 58.68
149 Grant County State Bank Carson, N.D. commercial 20.63 21.07 33,856 2.19 53.99
150 PlantersFirst Cordele, Ga. commercial 20.62 16.39 267,507 1.53 74.80
151 Tri Valley Bank Talmage, Neb. commercial 20.58 19.72 38,603 1.75 44.94
152 Texas Heritage National Bank Daingerfield commercial 20.52 15.33 118,946 2.20 56.13
153 Darien Rowayton Bank Conn. commercial 20.51 4.27 475,164 1.57 76.42
154 Dakota Western Bank Bowman, N.D. commercial 20.49 21.11 258,376 2.10 45.27
155 First Missouri State Bank Poplar Bluff commercial 20.46 12.34 154,363 2.22 46.97
  Vintage Bank Waxahachie, Texas commercial 20.46 21.92 181,739 1.93 61.14
157 Flatirons Bank Boulder, Colo. commercial 20.40 8.89 125,966 2.11 66.58
158 Liberty Savings Bank St. Cloud, Minn. savings 20.38 23.57 189,743 2.21 60.34
  Falcon National Bank Foley, Minn. commercial 20.38 18.60 172,091 1.85 59.92
160 Farmers State Bank of Underwood Minn. commercial 20.37 17.00 58,122 1.79 59.96
161 Charter Bank Eau Claire Wis. commercial 20.36 20.82 590,257 2.82 34.13
162 TexasBank Brownwood commercial 20.35 24.76 377,266 2.48 52.70
163 Yampa Valley Bank Steamboat Springs, Colo. commercial 20.34 13.20 200,265 1.95 59.40
164 Union Bank of Mena Ark. commercial 20.33 21.09 203,997 2.16 59.20
165 Commercial State Bank Andrews, Texas commercial 20.30 23.57 565,913 1.82 55.71
166 American Bank of St. Paul Minn. commercial 20.28 36.44 301,721 1.58 85.10
167 Security First Bank of North Dakota Center commercial 20.26 17.90 179,610 2.20 56.03
168 Central National Bank Waco, Texas commercial 20.25 18.62 729,763 1.69 49.30
169 Bank of Commerce Duncan, Okla. commercial 20.24 16.80 193,090 2.18 54.84
170 Bank of Geneva Ind. commercial 20.19 16.06 214,093 2.13 52.08
  Century Bank of the Ozarks Gainesville, Mo. commercial 20.19 22.70 172,105 1.95 59.53
172 First Bank & Trust Lubbock, Texas commercial 20.18 18.70 739,907 1.85 68.27
173 Peoples Bank Westville, Okla. commercial 20.17 13.82 50,502 2.34 60.71
174 Coffee County Bank Manchester, Tenn. commercial 20.11 17.84 132,525 2.54 47.77
175 Commercial Capital Bank Delhi, La. commercial 20.10 17.14 71,742 2.47 56.04
176 Douglas National Bank Ga. commercial 20.08 18.30 173,170 2.55 52.15
  NewFirst National Bank El Campo, Texas commercial 20.08 19.87 617,095 1.99 59.43
178 Bank of Glen Ullin N.D. commercial 20.06 24.11 52,090 2.11 48.44
179 Security National Bank of Enid Okla. commercial 20.03 22.03 341,431 1.89 47.70
180 Heritage State Bank Lawrenceville, Ill. commercial 20.02 22.13 78,110 2.11 60.33
181 Peoples Community Bank Greenville, Mo. commercial 19.96 20.52 320,553 3.11 41.30
182 Prime Alliance Bank Woods Cross, Utah commercial 19.94 17.29 164,305 2.77 45.36
  1st Bank & Trust Broken Bow, Okla. commercial 19.94 21.16 128,302 2.26 50.62
  First Community Bank Santa Rosa, Calif. commercial 19.94 19.49 914,859 2.12 48.18
185 The Bank Oberlin, Kan. commercial 19.91 19.56 331,592 2.01 36.52
186 Farmers and Merchants State Bank of Pierz Minn. commercial 19.90 21.38 185,410 2.05 50.40
187 Southwest Capital Bank Las Vegas, N.M. commercial 19.88 22.11 277,008 1.90 55.16
  Farmers State Bank Waterloo, Iowa commercial 19.88 23.18 600,596 1.61 55.19
189 BankSouth Greensboro, Ga. savings 19.73 19.51 380,330 2.11 82.72
190 Security Bank Midland, Texas commercial 19.69 19.09 940,966 2.11 58.17
  Paradise Bank Boca Raton, Fla. commercial 19.69 20.82 305,085 1.96 66.04
192 First State Bank Wilmot, S.D. commercial 19.68 8.91 43,137 2.06 48.00
193 Tejas Bank Monahans, Texas commercial 19.64 14.92 148,233 2.14 51.46
194 Adrian Bank Mo. commercial 19.58 17.53 133,803 1.85 54.92
195 Cornerstone Bank Eureka Springs, Ark. commercial 19.53 15.73 167,066 2.07 58.22
196 Security Bank and Trust Co. Paris, Tenn. commercial 19.52 20.47 171,211 1.92 48.21
197 Titan Bank Mineral Wells, Texas commercial 19.51 11.53 79,441 1.98 68.21
198 City Savings Bank & Trust Co. DeRidder, La. commercial 19.50 19.41 314,107 2.13 56.80
199 Heartland State Bank Redfield, S.D. commercial 19.45 26.94 70,935 2.21 55.08
200 Delta Bank Vidalia, La. commercial 19.41 18.79 253,046 1.54 65.02

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 Feb. 25, 2015. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2015 American Banker