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, 2015. Dollars in thousands
Published February 16, 2016

Rank Company Type of
institution
Return on average equity Total
assets
Return on
average assets
Efficiency
ratio
4Q 2015 4Q 2014
1 First Community Bank Sugar Land, Texas commercial 51.97% 7.73% $650,984 5.61% 78.99
2 Bank of George Las Vegas commercial 50.09 3.28 143,370 5.57 72.12
3 Artisans' Bank Wilmington, Del. savings 48.34 3.47 500,692 3.27 92.37
4 American Founders Bank Inc. Louisville, Ky. commercial 47.02 -5.00 96,918 2.26 63.67
5 Bank of Montana Missoula, Mont. commercial 46.00 17.20 62,051 5.28 38.06
6 Peoples Bank & Trust Co. Ryan, Okla. commercial 45.06 33.97 29,994 7.24 90.57
7 Affinity Bank Atlanta commercial 44.00 7.67 256,900 2.30 96.34
8 Farmers & Merchants Bank Statesboro, Ga. commercial 43.31 8.37 175,028 4.50 98.39
9 First National Community Bank Chatsworth, Ga. commercial 42.30 11.58 142,370 4.50 81.72
10 Coast National Bank San Luis Obispo, Calif. commercial 41.53 4.89 145,288 4.49 69.22
11 Deerwood Bank Minn. commercial 40.06 11.50 523,933 4.43 40.93
12 Community First Bank & Trust Columbia, Tenn. commercial 37.99 7.68 467,715 3.64 78.02
13 Haverford Trust Co. Radnor, Pa. commercial 37.44 26.61 110,179 6.52 79.26
14 Almena State Bank Kan. commercial 37.22 22.12 63,266 3.03 55.99
15 Integrity First Bank Wausau, Wis. commercial 36.60 4.83 78,828 5.12 76.66
16 Centrue Bank Streator, Ill. commercial 36.22 -5.73 953,747 4.11 83.22
17 Leaders Bank Oak Brook, Ill. commercial 34.43 2.16 352,339 3.03 75.38
18 American Bank of the North Nashwauk, Minn. commercial 33.44 10.49 579,768 2.64 80.73
19 First Bank of Chandler Okla. commercial 32.86 28.86 85,043 3.46 38.70
20 Northpointe Bank Grand Rapids, Mich. commercial 32.32 30.30 459,940 3.01 59.49
21 Nebraska State Bank Oshkosh commercial 31.95 27.02 49,841 3.93 36.53
22 PrinsBank Prinsburg, Minn. commercial 31.35 34.19 128,897 3.83 48.17
23 State Bank of Texas Dallas commercial 31.21 57.11 660,004 5.90 19.39
24 Integrity Bank & Trust Monument, Colo. commercial 31.15 14.23 155,820 2.77 58.72
25 Citizens State Bank of La Crosse Wis. commercial 31.09 31.52 191,082 2.67 49.59
26 Citizens State Bank Miles, Texas commercial 30.58 29.14 114,922 2.83 45.02
27 Continental Bank Salt Lake City commercial 30.53 37.54 167,695 5.20 34.34
28 Frontier Bank Omaha, Neb. commercial 30.42 18.85 651,502 2.86 43.80
  Texas Bank Financial Weatherford, Texas commercial 30.42 24.85 170,935 2.81 71.76
30 First Home Bank Seminole, Fla. commercial 30.37 10.93 104,935 2.61 57.33
31 Riverside Bank Sparkman, Ark. commercial 30.19 31.31 58,714 2.80 50.45
32 WoodTrust Bank Wisconsin Rapids, Wis. commercial 30.02 26.96 377,682 2.90 49.37
33 Cross River Bank Teaneck, N.J. commercial 29.68 19.11 451,905 2.89 44.60
34 Bank 7 Oklahoma City commercial 29.55 26.22 563,951 2.81 40.78
35 Bank of Hydro Okla. commercial 29.40 30.99 127,019 2.42 43.46
36 Village Bank St. Francis, Minn. commercial 29.06 35.99 206,897 2.74 67.50
37 Security State Bank Sutherland, Iowa commercial 28.81 29.35 119,246 2.61 34.15
38 Farmers Exchange Bank Cherokee, Okla. commercial 28.44 27.90 304,835 2.61 35.67
39 ACB Bank Cherokee, Okla. commercial 27.87 23.67 110,585 2.33 48.18
40 Guaranty Bank & Trust Co. of Delhi La. commercial 27.75 26.55 197,243 2.41 52.97
41 Four Oaks Bank & Trust Co. N.C. commercial 27.61 -5.96 690,200 2.75 85.79
42 National Bank of Andrews Texas commercial 27.49 31.85 187,771 2.68 54.99
43 First Bank & Trust Co. Wagoner, Okla. commercial 27.46 26.74 287,608 3.19 48.51
44 NOA Bank Duluth, Ga. commercial 27.22 26.25 237,054 3.32 49.99
45 1st Bank & Trust Broken Bow, Okla. commercial 27.17 19.94 131,917 2.37 49.42
46 Prime Bank Edmond, Okla. commercial 27.13 27.77 242,837 2.81 39.77
47 Crockett National Bank San Angelo, Texas commercial 27.03 21.50 607,918 2.58 72.71
48 Morris State Bank Okla. commercial 26.86 30.89 75,016 2.17 56.64
49 Farmers and Merchants State Bank Plankinton, S.D. commercial 26.64 22.89 107,837 2.60 40.97
50 Asian Bank Philadelphia commercial 26.48 7.00 134,655 2.23 69.59
51 Great Plains National Bank Elk City, Okla. commercial 26.27 36.92 554,698 2.45 70.35
52 VistaBank Aiken, S.C. commercial 26.21 3.33 112,705 2.62 102.76
53 Magnolia Bank Hodgenville, Ky. commercial 26.16 11.16 180,082 2.74 75.09
54 Partners Bank of California Mission Viejo commercial 26.01 9.24 153,005 3.05 79.59
55 Great Lakes Bankers Bank Worthington, Ohio commercial 25.78 4.27 94,601 2.61 85.39
56 Wells Bank Platte City, Mo. commercial 25.76 26.00 144,469 2.31 47.23
57 Ultima Bank Minnesota Winger commercial 25.73 26.13 163,084 2.30 50.70
58 First State Bank Scottsbluff, Neb. commercial 25.65 27.27 249,931 2.47 45.23
59 Bessemer Trust Co. Woodbridge, N.J. commercial 25.53 32.37 538,557 2.29 77.98
60 Peoples Bank & Trust Buford, Ga. commercial 25.44 25.09 269,363 2.05 71.86
61 Peoples Bank Lawrence, Kan. commercial 25.36 13.40 451,930 2.54 82.67
62 Central Bank and Trust Co. Hutchinson, Kan. commercial 25.35 26.49 292,902 2.27 54.24
63 University Bank Ann Arbor, Mich. commercial 25.21 7.07 180,995 2.52 85.49
  Bank of Glen Ullin N.D. commercial 25.21 20.06 56,316 2.47 44.68
65 Bank of Baker Mont. commercial 25.17 23.44 153,149 2.25 41.63
66 Cowboy Bank of Texas Maypearl commercial 25.16 25.30 71,896 2.52 54.43
67 Peoples National Bank Colorado Springs, Colo. commercial 25.11 13.80 353,555 2.53 74.47
68 United Community Bank of North Dakota Leeds commercial 24.83 29.80 322,899 2.28 45.48
69 St. Martin Bank and Trust Co. St. Martinville, La. commercial 24.77 24.20 538,493 2.39 51.21
70 Venture Bank Bloomington, Minn. commercial 24.54 27.56 559,751 2.29 52.02
71 BANK VI Salina, Kan. commercial 24.49 8.23 76,734 2.50 66.64
72 Volunteer State Bank Portland, Tenn. commercial 24.37 16.70 530,489 2.49 68.85
73 First Financial Bank El Dorado, Ark. commercial 24.14 24.44 866,511 2.78 55.44
74 Bank of Cordell Okla. commercial 24.08 16.32 43,602 2.01 55.03
75 Kendall State Bank Valley Falls, Kan. commercial 24.02 6.18 36,220 1.95 65.31
76 Brunswick State Bank Neb. commercial 23.98 24.31 103,794 2.37 43.70
77 First National Bank Fabens, Texas commercial 23.95 26.45 335,259 2.57 50.89
78 Freedom Bank Huntingburg, Ind. commercial 23.72 24.69 368,883 2.37 40.08
79 Peoples State Bank Summit, S.D. commercial 23.70 25.66 62,137 2.72 39.81
  Pinnacle Bank Wyoming Torrington commercial 23.70 15.97 713,926 2.15 54.29
81 First Carolina Bank Rocky Mount, N.C. commercial 23.49 -2.89 157,003 2.54 84.30
82 First National Bank of America East Lansing, Mich. commercial 23.47 16.34 822,669 2.45 45.99
83 Citizens State Bank Okemah, Okla. commercial 23.44 17.95 336,426 2.13 78.11
84 Royal Savings Bank Chicago savings 23.42 4.05 202,282 3.91 38.19
85 Delaware County Bank and Trust Co. Powell, Ohio commercial 23.40 0.78 541,665 2.22 93.73
86 FirsTier Bank Kimball, Neb. commercial 23.37 13.72 235,870 3.36 45.54
87 New Resource Bank San Francisco commercial 23.23 5.84 282,200 3.00 85.98
88 Dakota Community Bank & Trust Hebron, N.D. commercial 23.21 25.09 779,575 1.89 56.35
89 First Federal Savings and Loan Bank Olathe, Kan. commercial 23.03 19.12 77,162 2.61 38.47
90 Farmers and Merchants Bank Maysville, Okla. commercial 22.97 24.20 20,967 1.62 62.18
91 Bank of Deerfield Wis. commercial 22.93 16.13 128,187 2.96 55.15
  Farmers Bank and Trust Co. Blytheville, Ark. commercial 22.93 23.54 448,378 2.18 51.35
93 Auburn Banking Co. Ky. commercial 22.89 24.81 73,343 1.92 60.19
94 Community Bank of the South Smyrna, Ga. commercial 22.83 18.13 369,733 2.16 60.73
95 Peoples State Bank McDonald, Kan. commercial 22.82 24.95 134,536 2.04 51.89
96 Community Bank of Raymore Mo. commercial 22.75 17.52 195,500 1.84 69.65
97 Security Bank Tulsa, Okla. commercial 22.68 24.48 488,783 2.64 34.37
  Private Bank of Buckhead Atlanta commercial 22.68 8.74 280,450 2.05 72.13
99 Midwest Bank Detroit Lakes, Minn. commercial 22.60 22.27 369,293 2.17 49.58
  Security Bank USA Bemidji, Minn. commercial 22.60 17.70 134,966 2.09 59.68
101 Luana Savings Bank Iowa commercial 22.59 22.02 776,136 2.11 35.69
  Security First National Bank of Hugo Okla. commercial 22.59 22.77 106,814 1.85 50.67
103 Points West Community Bank Julesburg, Colo. commercial 22.53 23.85 225,066 2.22 46.33
104 RidgeStone Bank Brookfield, Wis. commercial 22.49 23.80 422,706 2.81 57.20
  Community Bank Longview, Texas commercial 22.49 25.12 215,568 2.04 45.01
106 Bank of Milton Wis. commercial 22.47 12.77 111,455 1.97 53.84
107 Premier Bank Rock Valley, Iowa commercial 22.42 23.58 335,377 2.74 31.27
108 New Century Bank Belleville, Kan. commercial 22.32 18.12 36,771 2.37 70.23
109 Tejas Bank Monahans, Texas commercial 22.30 19.64 131,800 2.58 46.83
110 Charter Bank Eau Claire, Wis. commercial 22.27 20.36 826,850 2.94 42.13
111 Bloomsdale Bank Mo. commercial 22.26 22.12 218,135 2.30 44.24
112 Commercial State Bank of Wagner S.D. commercial 22.23 21.92 149,682 2.45 40.31
113 Bank of Hemet Riverside, Calif. commercial 22.20 21.37 609,269 2.29 47.82
114 Community First Bank Butler, Mo. commercial 22.18 18.41 169,168 1.92 48.39
115 Five Star Bank Rocklin, Calif. commercial 22.13 23.99 811,358 1.93 41.61
116 State Bank of New Richland Minn. commercial 22.12 18.81 101,967 2.17 38.95
117 Coastal Commerce Bank Houma, La. commercial 22.11 23.25 416,370 2.06 55.23
118 Southwest Capital Bank Las Vegas, N.M. commercial 22.10 19.88 338,602 2.05 52.48
119 First Community Bank Santa Rosa, Calif. commercial 22.09 19.94 956,800 2.36 40.95
120 Quail Creek Bank Oklahoma City commercial 22.05 21.54 590,617 2.21 48.14
121 Great Plains State Bank Petersburg, Neb. commercial 22.02 16.87 46,290 1.90 54.18
122 First Community Bank of Central Alabama Wetumpka commercial 21.99 22.85 335,661 1.80 52.50
123 Genoa Community Bank Neb. commercial 21.96 12.15 63,274 2.33 50.83
124 First National Bank of Central Texas Waco commercial 21.90 22.33 779,671 1.81 51.21
125 First Security Bank Beaver, Okla. commercial 21.88 1.05 115,125 1.88 49.72
126 North Valley Bank Thornton, Colo. commercial 21.87 18.01 147,814 2.32 59.83
127 Tri Valley Bank Talmage, Neb. commercial 21.86 20.58 44,520 1.84 41.58
128 Exchange Bank and Trust Co. Perry, Okla. commercial 21.75 24.62 273,933 2.14 51.41
129 Citizens Bank of Las Cruces Las Cruces, N.M. commercial 21.69 22.42 489,246 2.05 54.94
130 Farmers and Merchants State Bank of Blooming Prairie Minn. commercial 21.68 18.82 78,463 1.87 56.38
  First Utah Bank Salt Lake City commercial 21.68 5.57 314,427 1.61 76.62
132 Murphy Bank Fresno, Calif. commercial 21.66 18.56 220,915 2.44 45.69
  Freedom Bank Columbia Falls, Mont. commercial 21.66 14.68 57,980 2.23 60.44
  Securant Bank & Trust Milwaukee commercial 21.66 18.59 183,539 1.44 88.56
135 Bank Northwest Hamilton, Mo. commercial 21.48 24.74 114,743 1.85 53.53
136 First Bank Burkburnett, Texas commercial 21.45 21.35 347,492 2.03 68.17
137 Grant County State Bank Carson, N.D. commercial 21.40 20.63 36,249 2.51 50.77
138 Lowry State Bank Minn. commercial 21.35 22.74 44,056 2.16 56.72
139 Kensington Bank Minn. commercial 21.31 8.66 155,811 2.27 58.02
140 Farmers and Merchants State Bank of Pierz Minn. commercial 21.13 19.90 181,419 2.22 48.58
141 Farmers and Merchants Bank of Kendall Wis. commercial 21.12 22.51 73,918 2.84 47.63
142 Beneficial State Bank Oakland, Calif. commercial 21.04 4.92 463,932 2.29 76.92
143 Coleman County State Bank Texas commercial 20.96 22.89 107,959 2.07 60.01
144 MBank Gresham, Ore. commercial 20.92 33.80 175,388 2.27 88.82
145 NewBank Flushing, N.Y. commercial 20.85 23.15 261,964 2.83 42.86
146 Bank of Geneva Ind. commercial 20.82 20.19 224,106 2.37 51.28
147 Metro City Bank Doraville, Ga. commercial 20.80 18.59 672,777 2.61 39.45
  Security Bank Rich Hill, Mo. commercial 20.80 4.91 47,155 1.87 66.22
149 One Bank & Trust Little Rock, Ark. commercial 20.74 2.63 325,945 0.97 82.56
150 Clear Lake Bank and Trust Co. Iowa commercial 20.73 22.59 370,641 1.83 54.25
151 Bank of Buffalo Ky. commercial 20.70 21.52 74,755 2.25 41.40
  Audubon State Bank Iowa commercial 20.70 19.34 113,848 1.87 58.26
153 Bank of the West Thomas, Okla. commercial 20.67 22.11 138,780 2.41 53.55
  Security National Bank of Enid Okla. commercial 20.67 20.03 340,208 1.89 48.40
155 State Savings Bank Creston, Iowa commercial 20.61 18.55 106,992 1.88 53.56
156 Wallis State Bank Texas commercial 20.56 22.06 447,608 2.11 63.12
157 First National Bank of Las Animas Colo. commercial 20.55 22.20 326,584 2.34 47.01
158 The Bank Oberlin, Kan. commercial 20.51 19.91 338,397 2.11 35.74
159 Four Corners Community Bank Farmington, N.M. commercial 20.46 17.84 306,762 2.12 48.56
160 Wyoming Bank & Trust Cheyenne commercial 20.42 18.80 169,109 2.15 82.01
  Bank of Newington Ga. commercial 20.42 16.94 86,756 1.68 73.74
162 Citizens Alliance Bank Clara City, Minn. commercial 20.39 17.53 614,852 1.79 52.82
163 Coffee County Bank Manchester, Tenn. commercial 20.37 20.11 141,910 2.58 46.60
164 Morris Bank Dublin, Ga. commercial 20.36 20.96 557,366 2.20 53.10
165 City Savings Bank & Trust Co. DeRidder, La. commercial 20.32 19.50 313,402 2.10 58.59
166 Bank of Mauston Wis. commercial 20.29 17.86 284,544 2.19 42.26
167 Paradise Bank Boca Raton, Fla. commercial 20.28 19.69 297,717 2.26 62.60
168 Commercial Capital Bank Delhi, La. commercial 20.27 20.10 79,985 2.60 56.60
169 CFG Community Bank Baltimore commercial 20.26 13.36 600,007 2.32 59.68
170 Royal Bank America Bala Cynwyd, Pa. commercial 20.25 10.62 783,929 1.51 80.62
171 First National Bank Wichita Falls, Texas commercial 20.24 14.88 415,872 2.03 66.44
172 Liberty State Bank Powers Lake, N.D. commercial 20.22 25.41 82,509 2.03 39.28
173 HOMEBANK Palmyra, Mo. commercial 20.21 13.75 333,779 1.89 68.70
174 Mid America Bank & Trust Co. Dixon, Mo. commercial 20.19 23.26 149,580 3.48 40.85
  First National Bank Arcadia, La. commercial 20.19 25.01 230,425 1.68 68.47
176 Lamar Bank and Trust Co. Mo. commercial 20.18 22.82 138,241 1.95 53.52
177 BankWest Inc. Pierre, S.D. commercial 20.13 21.82 915,092 2.10 64.03
178 Bank of Rantoul Ill. commercial 20.10 21.34 226,559 2.24 40.24
179 United Community Bank Poynette, Wis. commercial 20.08 8.38 166,106 1.94 69.51
180 FirstBank Antlers, Okla. commercial 20.06 23.47 294,021 1.71 71.36
181 Yampa Valley Bank Steamboat Springs, Colo. commercial 20.05 20.34 222,207 1.88 60.38
182 Tolleson Private Bank Dallas commercial 20.02 17.09 538,695 1.44 54.62
183 Grant County State Bank Swayzee, Ind. commercial 20.01 19.24 130,869 2.01 41.06
184 NewFirst National Bank El Campo, Texas commercial 20.00 20.08 605,953 2.03 54.16
  First State Bank Louise, Texas commercial 20.00 21.37 370,181 1.66 62.51
186 Bank of Morton Miss. commercial 19.91 19.17 63,959 2.71 50.14
187 NSB Bank Mason City, Iowa commercial 19.89 19.04 192,181 1.75 48.46
188 Peoples Community Bank Greenville, Mo. commercial 19.87 19.96 351,820 3.37 40.04
189 First Bank of Berne Ind. commercial 19.72 22.66 594,933 1.96 55.77
190 Success Bank Bloomfield, Iowa commercial 19.69 14.03 153,815 2.27 47.78
191 Heritage State Bank Lawrenceville, Ill. commercial 19.64 20.02 83,412 2.07 61.65
  Savings Bank Primghar, Iowa commercial 19.64 21.14 185,035 1.81 39.46
193 First National Bank & Trust of Elk City Okla. commercial 19.63 19.18 314,822 2.18 42.76
194 Bank of England Ark. commercial 19.59 14.29 318,361 2.13 87.66
  Regional Missouri Bank Marceline commercial 19.59 17.50 198,082 1.81 50.03
196 Farmers Savings Bank Wever, Iowa commercial 19.56 18.84 134,100 2.02 44.46
197 Century Bank of the Ozarks Gainesville, Mo. commercial 19.55 20.19 176,571 1.81 61.27
198 Central National Bank Waco, Texas commercial 19.53 20.25 789,560 1.64 49.19
199 Merchants State Bank Freeman, S.D. commercial 19.51 13.03 156,907 1.96 52.28
200 First State Bank of DeQueen Ark. commercial 19.49 22.86 216,535 1.66 59.14

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. 16, 2016. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:

SNL Financial
, Charlottesville, Va.
© 2016 American Banker