Community Banks with the Highest Returns on Average Equity

December 28, 2015, 11:13 p.m. EST 1 Min Read

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Community Banks with the Highest Returns on Average EquityYear to date through Sept. 30, 2015. Dollars in thousands Published December 28, 2015
Rank	Company	Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank	Company	Type of institution	3Q 2015	3Q 2014	Total assets	Return on average assets	Efficiency ratio
1	Friends Bank New Smyrna Beach, Fla.	commercial	197.93%	8.56%	$98,495	17.39%	88.25
2	Coast National Bank San Luis Obispo, Calif.	commercial	147.86	2.54	144,901	16.74	40.34
3	One Bank & Trust Little Rock, Ark.	commercial	139.53	2.52	329,386	6.72	43.77
4	Almena State Bank Kan.	commercial	88.68	32.07	59,630	6.80	37.88
5	Delaware County Bank and Trust Co. Powell, Ohio	commercial	85.50	0.41	542,618	8.33	94.22
6	First Carolina Bank Rocky Mount, N.C.	commercial	85.00	-2.32	148,773	9.07	75.57
7	New Resource Bank San Francisco	commercial	79.98	6.86	280,036	10.70	89.91
8	Royal Savings Bank Chicago	savings	70.40	3.93	205,047	16.44	17.54
9	Wells Federal Bank Minn.	commercial	51.65	8.88	268,404	4.88	37.36
10	PrinsBank Prinsburg, Minn.	commercial	51.10	30.91	124,369	6.44	35.85
11	New Century Bank Belleville, Kan.	commercial	47.22	23.80	33,357	4.99	52.50
12	Continental Bank Salt Lake City	commercial	46.44	35.27	162,928	8.17	27.70
13	Bank of Washington Lynnwood	commercial	46.33	0.94	160,510	5.07	80.08
14	Haverford Trust Co. Radnor, Pa.	commercial	39.98	14.43	111,482	7.27	77.46
15	Fayette Savings Bank SSB La Grange, Texas	savings	39.21	8.97	106,658	3.16	34.82
16	Cross River Bank Teaneck, N.J.	commercial	39.20	26.34	427,350	3.76	39.86
17	CFG Community Bank Baltimore	commercial	35.71	31.51	666,443	3.71	48.08
18	Citizens State Bank of La Crosse Wis.	commercial	33.80	32.57	184,669	2.91	46.32
19	ACB Bank Cherokee, Okla.	commercial	33.72	21.78	109,301	2.81	43.55
20	Bank of Eastman Ga.	commercial	33.15	0.00	182,183	2.43	61.68
21	Merchants State Bank Freeman, S.D.	commercial	32.85	12.99	149,812	3.38	39.36
22	Riverside Bank Sparkman, Ark.	commercial	32.74	34.31	61,391	2.95	47.59
23	Crockett National Bank San Angelo, Texas	commercial	32.48	25.55	564,078	3.01	70.12
24	Freedom Bank Columbia Falls, Mont.	commercial	32.19	18.49	61,301	3.22	51.13
25	National Bank of Andrews Texas	commercial	31.93	37.36	187,912	3.17	52.61
26	Bank 7 Oklahoma City	commercial	31.75	26.90	500,764	3.11	36.95
27	State Bank of Texas Dallas	commercial	31.64	26.30	664,639	6.38	16.79
28	NOA Bank Duluth, Ga.	commercial	31.36	28.22	226,572	3.75	47.34
29	Bank of Glen Ullin N.D.	commercial	31.13	21.65	59,103	2.94	35.75
30	First Bank of Chandler Okla.	commercial	31.10	31.42	88,761	3.25	37.83
31	Texas Bank Financial Weatherford, Texas	commercial	30.98	32.18	162,176	2.81	72.57
32	Bank of Hydro Okla.	commercial	30.30	31.32	127,217	2.59	42.30
33	Cowboy Bank of Texas Maypearl	commercial	30.07	26.15	67,105	3.05	50.41
	Citizens State Bank Okemah, Okla.	commercial	30.07	21.14	348,452	2.62	75.24
35	Bank of Cherokee County Hulbert, Okla.	commercial	29.77	8.99	105,362	2.42	56.11
36	Citizens State Bank Miles, Texas	commercial	29.62	30.63	112,610	2.71	46.68
37	1st Bank & Trust Broken Bow, Okla.	commercial	29.51	22.55	130,736	2.50	46.91
38	First State Bank of Warner S.D.	commercial	29.43	18.90	65,753	2.95	45.68
39	Ultima Bank Minnesota Winger	commercial	29.26	28.03	172,875	2.63	45.84
40	Peoples Bank & Trust Co. Ryan, Okla.	commercial	28.75	35.77	29,096	4.61	93.38
41	Community Bank & Trust-West Georgia LaGrange	commercial	28.70	32.77	87,526	1.30	78.39
42	Intercredit Bank Miami	commercial	28.44	0.95	348,359	2.61	81.85
43	First Home Bank Seminole, Fla.	commercial	28.43	8.17	100,299	2.30	54.98
44	Farmers Exchange Bank Cherokee, Okla.	commercial	28.35	28.83	282,153	2.63	34.76
45	Security State Bank Sutherland, Iowa	commercial	28.21	30.34	111,784	2.57	34.97
46	Prime Bank Edmond, Okla.	commercial	28.12	29.31	224,684	2.91	37.89
47	Morris State Bank Okla.	commercial	28.08	30.40	75,194	2.26	54.94
48	Nebraska State Bank Oshkosh	commercial	28.03	30.23	52,369	3.58	43.45
49	WoodTrust Bank Wisconsin Rapids, Wis.	commercial	27.99	28.26	363,566	2.74	49.90
50	Horry County State Bank Loris, S.C.	commercial	27.83	-20.81	378,415	0.73	80.82
51	Bank of Newington Ga.	commercial	27.71	22.44	86,875	2.35	67.04
52	Farmers and Merchants State Bank Plankinton, S.D.	commercial	27.70	20.68	102,781	2.78	39.79
53	Guaranty Bank & Trust Co. of Delhi La.	commercial	27.44	26.43	198,404	2.39	53.19
54	Farmers and Merchants State Bank of Blooming Prairie Minn.	commercial	27.35	21.99	77,918	2.38	48.89
55	Volunteer State Bank Portland, Tenn.	commercial	27.08	15.95	525,982	2.77	66.89
56	Great Plains National Bank Elk City, Okla.	commercial	26.98	37.93	552,526	2.56	70.82
57	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	26.95	25.91	530,152	2.68	47.44
58	Oklahoma State Bank Buffalo	commercial	26.71	24.01	57,900	2.11	53.44
59	First Bank Burkburnett, Texas	commercial	26.59	25.06	342,572	2.47	68.00
60	Security Bank USA Bemidji Minn.	commercial	26.31	22.47	130,875	2.38	54.97
61	Peoples National Bank Colorado Springs, Colo.	commercial	26.30	14.79	359,246	2.70	73.36
62	Peoples State Bank of Commerce Nolensville, Tenn.	commercial	26.21	6.12	149,062	1.53	70.61
63	Bank of Prague Neb.	commercial	26.17	23.03	23,726	4.17	35.53
64	Bank of Baker Mont.	commercial	26.11	22.94	158,037	2.38	40.18
65	Peoples Bank Lawrence, Kan.	commercial	26.07	15.94	462,149	2.61	82.02
66	Peoples State Bank of Velva N.D.	commercial	26.06	20.06	122,501	2.10	49.39
67	Petersburg State Bank Neb.	commercial	25.97	18.73	39,386	2.25	47.05
68	Citizens State Bank Anton, Texas	commercial	25.91	12.40	31,415	2.20	63.38
69	Community Bank of the South Smyrna, Ga.	commercial	25.83	16.96	368,675	2.51	56.30
70	First State Bank Scottsbluff, Neb.	commercial	25.80	26.21	252,453	2.45	45.95
71	Central Bank of Kansas City Mo.	commercial	25.78	14.73	131,547	4.61	54.43
72	First National Bank of Central Texas Waco	commercial	25.76	21.94	792,205	2.07	47.10
73	Lowry State Bank Minn.	commercial	25.64	26.80	46,871	2.50	51.08
74	Wells Bank of Platte City Mo.	commercial	25.61	26.03	129,587	2.31	46.18
75	First Financial Bank El Dorado, Ark.	commercial	25.54	25.17	859,670	3.03	54.35
76	Peoples State Bank McDonald, Kan.	commercial	25.44	23.74	134,696	2.27	47.63
77	RidgeStone Bank Brookfield, Wis.	commercial	25.33	24.80	423,688	3.17	51.46
78	Brimfield Bank Ill.	commercial	25.32	5.83	48,142	2.81	98.62
79	Community Bank Mankato Vernon Center, Minn.	commercial	25.24	7.00	245,591	1.94	53.78
80	Heritage State Bank Lawrenceville, Ill.	commercial	25.04	24.32	81,217	2.59	50.79
81	Flagler Bank West Palm Beach, Fla.	commercial	24.97	19.25	195,011	2.31	45.64
	Farmers and Merchants Bank Maysville, Okla.	commercial	24.97	27.26	21,081	1.77	58.97
83	Luana Savings Bank Iowa	commercial	24.89	23.57	749,203	2.31	30.87
84	Bank Northwest Hamilton, Mo.	commercial	24.84	24.09	110,152	2.17	50.92
85	Peoples Bank Mt. Washington Ky.	commercial	24.80	6.98	80,524	2.92	78.14
86	Welcome State Bank Minn.	commercial	24.77	23.61	25,479	2.63	46.95
87	Points West Community Bank Julesburg, Colo.	commercial	24.74	26.63	220,547	2.44	42.81
88	First Community Bank Santa Rosa, Calif.	commercial	24.63	22.55	963,472	2.60	37.20
89	Bank of Hemet Riverside, Calif.	commercial	24.59	23.36	633,444	2.41	47.08
90	Brunswick State Bank Neb.	commercial	24.57	24.31	99,781	2.37	41.37
91	Main Street Bank Bingham Farms, Mich.	commercial	24.53	17.89	196,225	2.13	71.50
92	Bank of Cordell Okla.	commercial	24.52	16.78	43,158	2.12	53.70
93	Brazos National Bank Richwood, Texas	commercial	24.46	8.82	27,147	5.02	83.34
94	Quail Creek Bank Oklahoma City	commercial	24.44	21.98	563,810	2.44	46.50
95	KodaBank Drayton, N.D.	commercial	24.23	22.00	144,893	2.63	38.77
	Bank of England Ark.	commercial	24.23	15.08	353,890	2.54	86.38
97	NewFirst National Bank El Campo, Texas	commercial	24.18	19.75	600,820	2.48	55.90
98	Security State Bank of Kenyon Minn.	commercial	24.10	6.43	54,648	2.54	53.50
99	Citizens National Bank of Texas Waxahachie	commercial	24.05	15.62	706,660	2.68	62.19
100	State Bank of Geneva Ill.	commercial	24.03	1.47	83,363	2.26	218.54
101	Magnolia Bank Hodgenville, Ky.	commercial	24.00	13.40	166,509	2.54	79.86
102	Farmers Bank and Trust Co. Blytheville, Ark.	commercial	23.85	28.32	455,205	2.27	49.45
103	Five Star Bank Rocklin, Calif.	commercial	23.83	25.31	796,687	1.97	39.94
104	First Bank & Trust Co. Wagoner, Okla.	commercial	23.79	30.47	267,757	2.76	44.22
105	Grant County State Bank Carson, N.D.	commercial	23.76	26.04	34,894	2.87	44.82
	Pacific Alliance Bank Rosemead, Calif.	commercial	23.76	2.35	258,272	2.43	40.47
107	First State Bank Armour, S.D.	commercial	23.59	25.13	112,804	1.68	57.74
108	Community Bank Longview, Texas	commercial	23.58	25.43	219,366	2.18	44.77
109	NewBank Flushing, N.Y.	commercial	23.55	23.39	253,591	3.16	37.26
110	Farmers and Merchants State Bank of Pierz Minn.	commercial	23.49	21.13	176,536	2.45	46.19
111	Kaw Valley State Bank Eudora, Kan.	commercial	23.45	15.98	43,088	2.09	58.93
112	Dakota Community Bank & Trust Hebron, N.D.	commercial	23.40	27.44	766,447	1.92	54.56
113	Central Bank and Trust Co. Hutchinson, Kan.	commercial	23.33	23.56	279,016	2.08	54.78
114	First Northern Bank of Wyoming Buffalo	commercial	23.25	18.03	283,069	2.21	58.45
115	Midwest Bank Detroit Lakes, Minn.	commercial	23.24	23.52	361,577	2.21	50.60
116	Freedom Bank Huntingburg, Ind.	commercial	23.18	24.62	358,530	2.34	41.39
117	First National Bank Fabens, Texas	commercial	23.09	25.24	343,128	2.45	50.38
118	Morris Bank Dublin, Ga.	commercial	23.08	23.13	549,916	2.51	53.30
119	Delta Bank Vidalia, La.	commercial	23.05	23.18	254,385	1.86	60.31
120	Security Bank Tulsa, Okla.	commercial	23.04	26.53	482,714	2.61	38.01
	Caldwell Bank & Trust Co. Columbia, La.	commercial	23.04	25.55	177,209	2.15	58.50
122	North Shore Bank of Commerce Duluth, Minn.	commercial	23.02	17.37	246,435	1.45	75.66
123	Commercial State Bank of Wagner S.D.	commercial	23.01	22.06	147,177	2.58	34.28
124	Auburn Banking Co. Ky.	commercial	22.86	26.92	71,716	1.89	60.79
125	FirstBank Antlers, Okla.	commercial	22.83	24.40	290,908	1.97	69.10
126	Peoples State Bank Blair, Okla.	commercial	22.63	15.51	15,462	2.23	65.91
127	Sound Banking Co. Tacoma, Wash.	commercial	22.58	21.70	48,721	2.20	55.43
	HomeStar Bank and Financial Services Manteno, Ill.	commercial	22.58	8.90	337,351	1.17	80.89
129	Coleman County State Bank Texas	commercial	22.57	24.41	107,704	2.29	57.54
130	Citizens Bank of Las Cruces N.M.	commercial	22.52	20.20	479,079	2.14	54.83
131	Marion County State Bank Pella, Iowa	commercial	22.48	19.45	280,785	2.52	40.47
	Crowell State Bank Texas	commercial	22.48	18.69	34,994	2.24	54.63
133	Premier Bank Rock Valley, Iowa	commercial	22.46	23.25	327,627	2.72	31.53
	Bank of Soperton Ga.	commercial	22.46	20.11	41,093	2.08	66.28
135	First Federal Savings and Loan Bank Olathe, Kan.	commercial	22.44	17.38	77,739	2.43	40.00
136	Star Bank Maple Lake, Minn.	commercial	22.30	18.87	235,498	2.10	57.37
137	Charter Bank Eau Claire, Wis.	commercial	22.27	23.30	608,718	3.07	32.02
138	Provincial Bank Lakeville, Minn.	commercial	22.25	11.78	82,749	2.43	67.84
	State Savings Bank Creston, Iowa	commercial	22.25	21.53	103,452	2.05	50.77
140	Exchange Bank and Trust Co. Perry, Okla.	commercial	22.20	25.61	277,024	2.23	51.14
	Security First National Bank of Hugo Okla.	commercial	22.20	22.58	102,143	1.95	48.94
142	First Community Bank of Central Alabama Wetumpka	commercial	22.18	21.83	328,888	1.84	53.58
143	First National Bank & Trust of Elk City Okla.	commercial	22.14	20.34	314,885	2.41	41.30
	Bloomsdale Bank Mo.	commercial	22.14	22.72	214,452	2.23	46.79
145	Venture Bank Bloomington, Minn.	commercial	21.99	30.12	549,107	2.10	53.77
146	Tri Valley Bank Talmage, Neb.	commercial	21.96	21.80	42,293	1.82	38.76
147	Town and Country Bank Midwest Quincy, Ill.	commercial	21.92	33.78	170,410	2.29	68.97
148	Columbia Bank Lake City, Fla.	commercial	21.86	-1.32	177,410	2.34	96.51
149	The Bank Oberlin, Kan.	commercial	21.85	20.41	342,816	2.18	37.55
150	Basile State Bank La.	commercial	21.83	22.58	55,799	2.28	60.54
151	First State Bank Louise, Texas	commercial	21.77	21.35	362,581	1.81	60.14
152	State Bank of New Richland Minn.	commercial	21.73	25.97	99,463	2.15	37.31
153	Peoples Community Bank Greenville, Mo.	commercial	21.68	19.83	340,404	3.59	37.92
	Yampa Valley Bank Steamboat Springs, Colo.	commercial	21.68	24.56	213,715	2.03	59.25
155	Equitable Co-operative Bank Lynn, Mass.	cooperative	21.58	2.71	104,866	2.45	74.09
	Home State Bank Loveland, Colo.	commercial	21.58	16.27	862,704	1.90	63.68
157	Peoples State Bank Summit, S.D.	commercial	21.54	26.36	63,471	2.46	44.02
	Georgia Heritage Bank Dallas	commercial	21.54	48.48	74,125	1.50	67.90
159	Coastal Commerce Bank Houma, La.	commercial	21.53	24.09	427,860	2.03	53.68
160	Bank of Morton Miss.	commercial	21.45	21.24	63,526	2.95	41.59
161	City Savings Bank & Trust Co. DeRidder, La.	commercial	21.43	20.67	308,266	2.26	57.38
162	Murphy Bank Fresno, Calif.	commercial	21.42	22.29	217,154	2.39	45.57
163	Farmers and Merchants Bank of Kendall Wis.	commercial	21.41	22.54	72,551	2.86	47.29
	Community First Bank Butler, Mo.	commercial	21.41	17.91	163,062	1.83	48.39
165	Douglas National Bank Ga.	commercial	21.39	19.87	160,570	2.75	51.73
	NSB Bank Mason City, Iowa	commercial	21.39	21.53	191,192	1.95	45.83
167	Farmers State Bank Waterloo, Iowa	commercial	21.38	21.30	683,490	1.68	53.09
168	Security Bank and Trust Co. Paris, Tenn.	commercial	21.37	22.56	186,827	2.11	45.02
169	Farmers State Bank of Underwood Minn.	commercial	21.36	24.01	60,554	1.87	59.53
170	Arthur State Bank Union, S.C.	commercial	21.35	7.02	494,819	1.59	94.84
171	Bank of Okolona Miss.	commercial	21.33	18.18	158,443	2.45	58.50
172	Southwest Capital Bank Albuquerque, N.M.	commercial	21.18	20.70	335,064	1.98	53.41
	State Bank of Bellingham Minn.	commercial	21.18	12.28	46,056	1.89	31.80
174	Bank of Buffalo Ky.	commercial	21.15	23.87	74,373	2.31	41.36
175	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	21.14	24.06	166,516	2.07	56.94
176	Bank of Commerce Duncan, Okla.	commercial	21.11	20.55	289,524	2.13	54.07
177	Peoples Bank Mendenhall, Miss.	commercial	21.07	21.16	248,860	2.06	64.91
	First State Bank Boise City, Okla.	commercial	21.07	22.44	68,095	1.87	48.69
179	Central National Bank of Poteau Okla.	commercial	21.06	18.35	233,238	2.00	56.21
180	Franklin State Bank & Trust Co. Winnsboro, La.	commercial	21.01	20.30	163,194	1.81	59.67
181	First State Bank of Golva N.D.	commercial	20.88	20.74	79,421	2.04	39.75
182	Pioneer Bank St. James, Minn.	commercial	20.84	21.15	389,702	2.11	50.24
	Security National Bank of Enid Okla.	commercial	20.84	21.66	327,406	1.94	47.83
184	Clear Lake Bank and Trust Co. Iowa	commercial	20.76	20.08	353,716	1.86	54.69
185	First National Bank Arcadia, La.	commercial	20.68	25.68	222,689	1.72	68.69
186	First National Bank of America East Lansing, Mich.	commercial	20.65	15.14	795,110	2.14	47.13
187	Citizens Bank Amarillo, Texas	commercial	20.64	14.66	144,266	1.96	56.42
	Bank of Western Oklahoma Elk City	commercial	20.64	19.02	227,993	1.79	62.61
	First National Bank of Evant Texas	commercial	20.64	21.07	74,509	1.77	62.89
190	State Bank Hoxie Kan.	commercial	20.58	21.04	146,620	2.47	41.10
	Security Bank of Southwest Missouri Cassville	commercial	20.58	21.51	81,377	2.11	52.99
192	First State Bank of DeQueen Ark.	commercial	20.57	24.53	212,347	1.76	58.13
	First Southeast Bank Harmony, Minn.	commercial	20.57	18.17	99,949	1.74	58.24
194	Jonesburg State Bank Mo.	commercial	20.53	21.73	72,819	1.66	61.98
195	First Bank & Trust Lubbock, Texas	commercial	20.52	20.26	788,502	1.93	67.10
196	Rolette State Bank N.D.	commercial	20.51	16.43	38,962	1.77	66.15
197	McIntosh County Bank Ashley, N.D.	commercial	20.49	23.79	92,474	2.20	46.20
198	Middletown State Bank Ill.	commercial	20.48	17.34	35,260	2.04	38.01
	Crawford County Trust and Savings Bank Denison, Iowa	commercial	20.48	18.65	134,648	1.62	57.03
200	Coffee County Bank Manchester, Tenn.	commercial	20.47	20.41	139,034	2.57	46.53

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. 23, 2015. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial