Community Banks with the Highest Returns on Average Equity

May 16, 2016, 1:39 p.m. EDT 1 Min Read

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Community Banks with the Highest Returns on Average EquityYear to date through March 31, 2016. Dollars in thousands Published May 16, 2016
Rank	Company	Type of institution	Return on average equity		Total assets	Return on average assets	Efficiency ratio
Rank	Company	Type of institution	1Q 2016	1Q 2015	Total assets	Return on average assets	Efficiency ratio
1	Commerce Bank of Temecula Valley Murrieta, Calif.	commercial	93.73%	1.10%	$71,434	15.55%	89.23%
2	Peoples State Bank of Commerce Nolensville, Tenn.	commercial	77.31	15.73	152,490	6.61	74.26
3	Citizens Bank of Cochran Ga.	commercial	67.66	1.49	74,614	8.42	71.78
4	Peoples Bank & Trust Co. Ryan, Okla.	commercial	67.11	102.76	31,759	11.18	84.81
5	F&M Bank and Trust Co. Manchester, Ga.	commercial	66.98	-6.02	81,171	3.19	60.24
6	Town & Country Bank and Trust Co. Bardstown, Ky.	commercial	54.69	10.25	282,810	7.09	81.54
7	Mainland Bank Texas City, Texas	commercial	53.12	20.33	124,931	5.39	37.18
8	Bank of Montana Missoula	commercial	51.57	13.62	58,143	5.90	31.16
9	Peoples State Bank McDonald, Kan.	commercial	48.52	28.10	129,428	4.59	34.12
10	North Shore Bank of Commerce Duluth, Minn.	commercial	47.79	13.36	248,215	3.13	55.28
11	State Bank of Texas Dallas	commercial	46.91	28.05	675,455	8.52	14.27
12	PrinsBank Prinsburg, Minn.	commercial	43.72	34.91	125,366	5.64	38.01
13	Haverford Trust Co. Radnor, Pa.	commercial	41.75	38.61	113,426	7.43	76.76
14	Anchor State Bank Ill.	commercial	41.22	3.10	14,118	4.47	75.59
15	First Home Bank Seminole, Fla.	commercial	35.48	27.50	115,751	3.46	47.59
16	New Century Bank Belleville, Kan.	commercial	34.40	2.99	36,822	3.54	53.82
17	Grand River Bank Grandville, Mich.	commercial	34.15	3.61	181,321	3.26	88.13
18	First Bank of Baldwin Wis.	commercial	34.11	8.47	151,633	3.47	75.23
19	First National Bank of Evant Texas	commercial	33.26	19.61	76,503	2.94	48.53
20	Citizens State Bank Miles, Texas	commercial	31.98	30.80	123,342	2.80	44.15
21	WoodTrust Bank Wisconsin Rapids, Wis.	commercial	31.49	29.25	354,915	3.00	48.82
22	Grand Savings Bank Grove, Okla.	commercial	30.94	7.71	346,562	2.95	58.68
23	First Bank of Chandler Okla.	commercial	30.68	23.69	88,359	3.49	36.85
24	Bank of Cordell Okla.	commercial	30.58	23.39	44,574	2.42	48.20
25	First Financial Bank El Dorado, Ark.	commercial	30.55	23.19	869,056	3.72	49.20
26	RidgeStone Bank Brookfield, Wis.	commercial	29.84	25.11	433,223	3.99	48.95
27	Wells Bank Platte City, Mo.	commercial	29.76	24.33	191,289	2.33	46.69
28	Volunteer State Bank Portland, Tenn.	commercial	29.70	22.69	530,740	3.40	62.59
29	Bank 7 Oklahoma City	commercial	29.54	29.52	575,489	2.71	41.74
30	First Federal Savings and Loan Bank Olathe, Kan.	commercial	29.53	23.81	81,275	3.20	33.57
31	American Exchange Bank Henryetta, Okla.	commercial	29.51	10.36	61,856	3.48	50.88
32	Columbia National Bank Ill.	commercial	29.49	4.05	49,058	3.61	45.75
33	First Chatham Bank Savannah, Ga.	commercial	29.48	-24.65	367,047	1.76	64.03
34	Bank of Hydro Okla.	commercial	29.47	27.34	124,422	2.65	41.88
35	Citizens State Bank of La Crosse Wis.	commercial	29.27	27.96	192,958	2.51	49.71
36	Security State Bank Sutherland, Iowa	commercial	28.98	28.42	118,727	2.63	33.42
37	First National Bank of Le Center Minn.	commercial	28.51	13.99	86,005	3.67	39.53
38	Cooperative Bank Roslindale, Mass.	cooperative	28.37	4.03	338,907	2.86	73.89
39	Ultima Bank Minnesota Winger	commercial	28.36	23.67	160,080	2.64	48.99
40	Farmers Exchange Bank Cherokee, Okla.	commercial	28.23	31.86	331,792	2.46	36.72
41	Premier Business Bank Los Angeles	commercial	28.13	6.78	438,219	2.49	51.56
42	Guaranty Bank & Trust Co. of Delhi Delhi, La.	commercial	28.09	26.63	203,973	2.47	54.04
43	1st Bank & Trust Broken Bow, Okla.	commercial	27.72	23.48	138,296	2.41	47.11
44	Texas Bank Financial Weatherford	commercial	27.18	22.08	181,401	2.47	72.45
45	First Heritage Bank Shenandoah, Iowa	commercial	27.15	10.47	40,264	3.03	48.91
46	Prime Bank Edmond, Okla.	commercial	27.10	24.77	246,080	2.78	37.78
47	St. Martin Bank and Trust Co. St. Martinville, La.	commercial	27.02	25.67	558,788	2.63	46.34
48	Liberty Bank Minnesota St. Cloud	commercial	26.86	12.99	197,547	3.09	54.56
49	ACB Bank Cherokee, Okla.	commercial	26.82	32.14	107,239	2.33	45.98
50	Oklahoma State Bank Buffalo	commercial	26.66	22.21	56,506	2.25	54.56
51	Primebank Le Mars, Iowa	commercial	26.50	12.56	360,408	3.09	40.08
52	Stockmens Bank Colorado Springs, Colo.	commercial	26.35	15.90	93,452	2.60	44.17
53	Commercial State Bank of Wagner S.D.	commercial	26.06	21.84	152,315	2.98	39.46
54	Riverside Bank Sparkman, Ark.	commercial	25.74	29.71	60,141	2.35	53.36
55	Preferred Community Bank Fort Myers, Fla.	commercial	25.73	7.95	110,273	2.90	38.56
	Bank of Glen Ullin N.D.	commercial	25.73	22.65	55,681	2.68	39.51
57	Heritage State Bank Lawrenceville, Ill.	commercial	25.57	22.01	86,229	2.66	49.33
58	Missouri Bank and Trust Co. of Kansas City Mo.	commercial	25.30	17.86	641,498	1.70	61.64
59	Commercial Bank Crawford, Ga.	commercial	24.97	21.31	129,344	2.67	45.84
60	Five Star Bank Rocklin, Calif.	commercial	24.87	19.95	810,487	1.99	38.71
61	Farmers and Merchants State Bank Plankinton, S.D.	commercial	24.82	27.23	102,382	2.39	39.74
62	National Bank of Andrews Texas	commercial	24.64	27.75	177,047	2.68	53.95
63	Security First National Bank of Hugo Okla.	commercial	24.60	26.09	105,745	1.88	52.16
64	State Bank of Bellingham Minn.	commercial	24.54	18.16	47,208	2.27	41.98
65	Bank of Newington Ga.	commercial	24.47	14.44	91,704	2.13	54.41
66	NOA Bank Duluth, Ga.	commercial	24.29	26.43	253,888	3.22	51.82
67	Cross River Bank Teaneck, N.J.	commercial	24.22	21.75	411,957	2.54	48.93
68	High Plains Bank Keyes, Okla.	commercial	24.06	23.57	81,336	2.59	38.93
69	Northwestern Bank Chippewa Falls, Wis.	commercial	24.05	11.19	403,148	2.71	45.33
	Community Bank Longview, Texas	commercial	24.05	24.92	223,981	2.23	41.59
	Farmers and Merchants State Bank of Blooming Prairie Minn.	commercial	24.05	19.58	79,487	2.14	53.30
72	State Bank of New Richland Minn.	commercial	23.75	22.50	98,608	2.34	39.80
73	Continental Bank Salt Lake City	commercial	23.71	27.69	171,783	4.17	43.32
74	First Community Bank of Central Alabama Wetumpka	commercial	23.65	22.43	347,505	1.92	50.00
75	Freedom Bank Huntingburg, Ind.	commercial	23.59	24.15	372,568	2.40	38.74
76	Morris State Bank Okla.	commercial	23.42	25.11	75,121	1.94	60.05
77	First State Bank of Purdy Monett, Mo.	commercial	23.16	11.99	170,026	1.86	62.33
78	Central Bank and Trust Co. Hutchinson, Kan.	commercial	23.11	27.59	291,624	2.17	52.18
79	First National Bank of America East Lansing, Mich.	commercial	23.00	18.98	900,480	2.38	46.00
80	Northpointe Bank Grand Rapids, Mich.	commercial	22.98	73.69	440,808	2.28	66.29
81	Luana Savings Bank Iowa	commercial	22.97	21.16	812,899	2.10	31.27
82	NewFirst National Bank El Campo, Texas	commercial	22.91	19.75	609,156	2.47	56.18
83	Bank Northwest Hamilton, Mo.	commercial	22.87	18.44	117,936	1.96	50.25
84	The Bank Oberlin, Kan.	commercial	22.86	16.24	332,887	2.44	31.44
85	Nebraska State Bank Oshkosh	commercial	22.83	35.93	49,678	3.04	39.17
	Farmers & Merchants State Bank of Cawker City Kan.	commercial	22.83	22.49	17,338	2.32	46.52
87	Century Bank of the Ozarks Gainesville, Mo.	commercial	22.82	18.54	172,928	2.09	58.32
88	Metro City Bank Doraville, Ga.	commercial	22.78	21.11	726,367	2.89	39.86
89	Ericson State Bank Neb.	commercial	22.73	19.89	81,437	1.95	38.39
90	Premier Bank Rock Valley, Iowa	commercial	22.71	21.94	347,506	2.78	30.48
91	NSB Bank Mason City, Iowa	commercial	22.66	20.44	195,624	2.14	40.83
92	Independence Bank East Greenwich, R.I.	commercial	22.61	10.27	39,181	4.65	56.23
93	First Utah Bank Salt Lake City	commercial	22.53	23.35	308,593	2.05	69.24
94	Brazos National Bank Richwood, Texas	commercial	22.47	3.55	30,699	4.60	81.86
95	Community Bank of Raymore Mo.	commercial	22.37	16.56	196,225	1.85	68.38
96	Venture Bank Bloomington, Minn.	commercial	22.34	29.17	572,216	2.18	52.45
97	Farmers Bank and Trust Co. Blytheville, Ark.	commercial	22.26	22.29	462,081	2.12	50.45
98	KodaBank Drayton, N.D.	commercial	22.23	20.21	140,403	2.48	43.96
	Springfield First Community Bank Mo.	commercial	22.23	0.19	422,733	1.82	48.80
100	Peoples Bank Mendenhall, Miss.	commercial	22.04	19.55	271,143	2.03	64.85
101	BOM Montgomery, La.	commercial	21.99	20.09	284,888	2.10	61.84
102	State Bank Hoxie, Kan.	commercial	21.96	19.71	148,864	2.66	37.68
103	Bank of Morton Miss.	commercial	21.87	19.97	66,278	2.97	51.13
104	Midwest Bank Detroit Lakes, Minn.	commercial	21.81	21.12	364,470	2.08	51.29
105	Peoples State Bank Summit, S.D.	commercial	21.80	24.90	62,232	2.53	41.94
106	Farmers and Merchants Bank of Kendall Wis.	commercial	21.79	20.28	71,999	2.98	46.76
	Community First Bank Butler, Mo.	commercial	21.79	24.90	168,378	1.84	50.80
108	Points West Community Bank Julesburg, Colo.	commercial	21.78	24.62	221,640	2.16	46.22
109	Brunswick State Bank Neb.	commercial	21.72	21.23	101,532	2.19	42.64
110	Bank of Buffalo Ky.	commercial	21.71	22.30	75,538	2.34	38.83
111	MidCoast Community Bank Wilmington, Del.	commercial	21.68	-2.96	194,535	1.89	90.53
	FirstBank Antlers, Okla.	commercial	21.68	16.60	314,627	1.83	68.78
113	FirsTier Bank Kimball, Neb.	commercial	21.63	12.72	240,736	3.48	42.46
	Coastal Commerce Bank Houma, La.	commercial	21.63	21.98	430,579	2.17	54.65
115	Murphy Bank Fresno, Calif.	commercial	21.58	21.88	224,486	2.41	47.14
116	Farmers and Merchants Bank of Mound City Kan.	commercial	21.56	19.28	41,419	1.41	63.84
117	Waggoner National Bank of Vernon Texas	commercial	21.52	20.87	282,207	2.87	46.83
118	Bank of Hemet Riverside, Calif.	commercial	21.50	20.81	655,589	2.06	46.99
119	First National Bank of Central Texas Waco	commercial	21.46	21.02	754,669	1.95	47.67
120	First Bank Burkburnett, Texas	commercial	21.45	19.24	349,600	2.11	70.70
121	Legence Bank Eldorado, Ill.	commercial	21.43	26.79	305,092	2.42	65.14
122	First Bank & Trust Co. Wagoner, Okla.	commercial	21.41	22.46	275,005	2.66	45.52
123	Cowboy Bank of Texas Maypearl	commercial	21.38	22.22	70,078	2.07	60.33
124	First Community Bank Santa Rosa, Calif.	commercial	21.37	18.99	988,839	2.45	40.09
125	Security National Bank of Enid Okla.	commercial	21.36	20.52	340,989	1.85	47.96
126	Community Bank Mankato Vernon Center, Minn.	commercial	21.34	22.49	259,469	1.60	56.64
127	First Commerce Bank Lakewood, N.J.	commercial	21.19	12.98	718,455	1.81	37.29
128	First National Bank of Las Animas Colo.	commercial	21.15	22.49	335,976	2.45	52.47
129	Central National Bank of Poteau Okla.	commercial	20.97	17.79	239,880	2.07	54.66
130	West Texas State Bank Odessa	commercial	20.95	12.62	411,191	2.20	65.30
131	NewBank Flushing, N.Y.	commercial	20.92	23.70	275,316	2.70	38.45
132	First National Bank South Alma, Ga.	commercial	20.89	15.25	341,619	3.18	44.40
	First State Bank Watonga, Okla.	commercial	20.89	18.54	61,955	2.08	57.49
134	First National Bank Fabens, Texas	commercial	20.86	29.85	345,755	2.34	52.64
135	PrimeSouth Bank Blackshear, Ga.	commercial	20.84	16.18	362,464	2.08	56.65
	Tri Valley Bank Talmage, Neb.	commercial	20.84	22.60	43,564	1.75	40.29
137	Citizens Bank Amsterdam, Mo.	commercial	20.79	20.68	60,653	1.51	72.20
138	St. Clair State Bank Inc. Minn.	commercial	20.78	18.49	84,940	2.55	30.41
139	Coffee County Bank Manchester, Tenn.	commercial	20.75	18.15	146,466	2.62	49.11
140	Bank of Commerce Duncan, Okla.	commercial	20.71	18.63	286,174	2.47	54.51
141	Quail Creek Bank Oklahoma City	commercial	20.70	21.10	584,489	2.16	49.32
142	Bank of Mauston Wis.	commercial	20.62	20.96	287,430	2.25	42.46
143	Heartland State Bank Redfield, S.D.	commercial	20.58	19.59	78,216	2.47	50.92
	Bank of the West Thomas, Okla.	commercial	20.58	21.06	141,432	2.41	52.63
145	Central National Bank Waco, Texas	commercial	20.54	18.51	782,634	1.76	48.13
146	Crockett National Bank San Antonio	commercial	20.51	22.37	619,593	1.91	80.77
147	First Bank of Owasso Okla.	commercial	20.43	16.09	276,444	2.52	47.18
	State Savings Bank Creston, Iowa	commercial	20.43	21.02	108,074	1.88	51.64
149	Freedom Bank of Southern Missouri Cassville	commercial	20.38	17.02	236,128	1.81	57.21
150	First Security Bank of Roundup Mont.	commercial	20.34	14.32	49,853	2.30	53.61
151	Flint Community Bank Albany, Ga.	commercial	20.33	11.19	196,575	1.68	59.50
152	Peoples State Bank Blair, Okla.	commercial	20.30	19.40	16,492	1.95	68.11
153	Alva State Bank & Trust Co. Okla.	commercial	20.27	15.27	338,530	2.24	34.67
154	Vermont State Bank Ill.	commercial	20.26	19.69	24,608	1.69	58.89
155	Farmers and Merchants State Bank of Pierz Minn.	commercial	20.25	18.03	176,718	2.21	50.53
	Central Bank and Trust Lander, Wyo.	commercial	20.25	19.46	156,941	1.87	54.42
157	Tolleson Private Bank Dallas	commercial	20.24	18.41	571,399	1.43	54.96
158	Grant County State Bank Swayzee, Ind.	commercial	20.22	21.07	143,496	2.12	39.38
159	Security Bank USA Bemidji, Minn.	commercial	20.21	22.57	133,125	1.90	59.92
160	Southwest Capital Bank Albuquerque, N.M.	commercial	20.20	24.53	337,323	2.04	46.97
161	Red River State Bank Halstad, Minn.	commercial	20.17	16.60	78,309	2.03	64.55
162	Wallis State Bank Texas	commercial	20.16	18.95	479,825	2.03	60.86
163	Flagler Bank West Palm Beach, Fla.	commercial	20.13	14.61	215,421	1.89	50.53
164	Citizens State Bank Marysville, Kan.	commercial	20.11	19.64	309,511	2.13	36.03
165	First National Bank & Trust of Elk City Okla.	commercial	20.10	21.55	320,054	2.26	41.67
	Jonesburg State Bank Mo.	commercial	20.10	19.64	72,025	1.61	62.98
167	Security Bank Tulsa, Okla.	commercial	20.07	21.75	496,562	2.43	34.91
168	Peoples Community Bank Greenville, Mo.	commercial	20.06	19.08	420,597	3.04	41.81
169	Security Bank and Trust Co. Paris, Tenn.	commercial	20.05	23.11	197,146	1.92	47.73
	First Security Bank of Deer Lodge Mont.	commercial	20.05	10.49	31,275	1.79	59.66
171	Farmers State Bank Waterloo, Iowa	commercial	20.00	18.11	731,051	1.60	51.25
172	First National Bank Arcadia, La.	commercial	19.99	18.75	231,751	1.61	68.78
173	Savoy Bank New York	commercial	19.94	5.28	214,738	2.28	47.80
	First Whitney Bank and Trust Atlantic, Iowa	commercial	19.94	20.31	210,228	2.19	29.99
175	Cowboy State Bank Ranchester, Wyo.	commercial	19.92	-0.74	43,198	1.86	68.12
176	Bank of Commerce Stilwell, Okla.	commercial	19.83	12.56	87,123	2.48	50.61
177	Stockmans Bank Altus, Okla.	commercial	19.82	13.10	189,888	1.57	67.66
178	Citizens Bank Amarillo, Texas	commercial	19.81	17.36	148,050	1.87	55.47
179	Peoples Bank of the South LaFollette, Tenn.	commercial	19.76	10.66	139,843	2.85	52.56
180	Clear Lake Bank and Trust Co. Iowa	commercial	19.73	21.52	369,729	1.78	54.69
181	Citizens Bank of Las Cruces N.M.	commercial	19.72	21.66	510,852	1.89	56.92
182	Crowell State Bank Texas	commercial	19.71	16.51	36,666	1.77	61.11
183	Sound Banking Co. Tacoma, Wash.	commercial	19.69	18.63	50,454	2.03	58.75
184	The Bank McAlester, Okla.	commercial	19.60	24.88	363,257	2.03	57.39
	Adams County Bank Kenesaw, Neb.	commercial	19.60	20.20	164,901	1.46	43.49
186	State Bank of De Kalb Texas	commercial	19.56	17.45	184,387	2.45	52.68
187	Bloomsdale Bank Mo.	commercial	19.53	19.96	217,363	2.06	51.97
188	King Southern Bank Chaplin, Ky.	commercial	19.43	17.18	177,058	2.15	54.38
189	First General Bank Rowland Heights, Calif.	commercial	19.42	15.39	756,417	2.20	25.86
190	Community First Bank of the Heartland Mount Vernon, Ill.	commercial	19.40	19.90	167,272	1.83	59.47
191	Bank of Geneva Ind.	commercial	19.38	22.53	224,017	2.25	50.37
192	Lowry State Bank Minn.	commercial	19.31	18.40	44,850	1.98	57.47
193	Mid America Bank & Trust Co. Dixon, Mo.	commercial	19.23	19.67	151,025	3.57	39.14
	Middletown State Bank Middletown, Ill.	commercial	19.23	17.91	33,243	2.00	39.57
	First Bank Erick, Okla.	commercial	19.23	7.86	81,195	1.90	57.96
196	First Enterprise Bank Oklahoma City	commercial	19.18	17.55	163,713	2.15	63.28
197	First National Bank of Oklahoma Oklahoma City	commercial	19.17	17.88	377,041	1.74	56.38
198	North Valley Bank Thornton, Colo.	commercial	19.16	19.80	151,333	2.19	56.81
	Georgia Heritage Bank Dallas	commercial	19.16	24.46	73,699	1.51	58.78
200	Auburn Banking Co. Ky.	commercial	19.11	23.99	75,777	1.66	64.98

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

SNL Financial