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Community banking

Community Banks with the Highest Returns on Average Equity

February 22, 2021, 1:03 p.m. EST 1 Min Read
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Community Banks with the Highest Returns on Average Equity
Rank Name City State Type of charter Return on
average equity
4Q 2020		 Return on
average equity
4Q 2019		 Total
assets		 Return on
average assets		 Efficiency ratio
1 One American Bank Sioux Falls S.D. Commercial Bank 147.98 3.95 $511,180 17.33 52.86
2 Magnolia Bank, Inc. Magnolia Ky. Commercial Bank 110.38 25.45 519,757 12.42 65.46
3 University Bank Ann Arbor Mich. Commercial Bank 74.10 14.56 552,164 7.18 69.28
4 Bank of England England Ark. Commercial Bank 66.62 20.12 592,196 9.27 79.10
5 United Bank of Philadelphia Philadelphia Pa. Commercial Bank 66.37 -61.36 55,570 5.05 57.27
6 Paramount Bank Saint Louis Mo. Commercial Bank 63.13 3.03 237,872 5.25 74.22
7 Midwest Community Bank Freeport Ill. Commercial Bank 63.01 22.92 412,072 5.60 68.45
8 Willamette Valley Bank Salem Ore. Commercial Bank 61.70 36.87 394,918 8.75 60.90
9 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 47.98 59.14 325,696 4.70 86.13
10 First Bank of the Lake Osage Beach Mo. Commercial Bank 47.95 17.22 647,684 1.47 55.94
11 First Community Bank of Tennessee Shelbyville Tenn. Commercial Bank 44.96 11.23 809,639 5.72 63.07
12 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 41.98 32.02 403,491 3.60 38.09
13 Fidelity Bank West Des Moines Iowa Commercial Bank 39.19 10.17 112,254 4.75 71.55
14 Chickasaw Community Bank Oklahoma City Okla. Commercial Bank 38.24 12.01 293,241 4.02 57.86
15 Flanagan State Bank Flanagan Ill. Commercial Bank 37.62 16.42 229,320 4.18 75.55
16 Allied First Bank,sb Oswego Ill. Savings Bank 37.37 29.23 146,338 4.47 92.00
17 Crockett National Bank San Antonio Tex. Commercial Bank 37.17 21.37 757,159 5.04 58.79
18 Peoples Bank Mendenhall Miss. Commercial Bank 35.53 25.65 393,586 3.47 53.98
19 Riverstone Bank Eagle Neb. Commercial Bank 35.00 -0.27 118,620 2.50 37.72
20 Bank of Montana Missoula Mont. Commercial Bank 34.59 19.18 165,424 3.11 43.86
21 FinWise Bank Murray Utah Commercial Bank 33.85 42.55 314,522 4.54 50.01
22 Texas Bank Financial Weatherford Tex. Commercial Bank 33.84 25.06 554,239 3.43 53.16
23 Lake Area Bank Lindstrom Minn. Commercial Bank 32.38 14.04 442,475 3.68 61.90
24 Valor Bank Edmond Okla. Commercial Bank 32.24 19.03 138,961 2.59 64.91
25 Charter West Bank West Point Neb. Commercial Bank 31.63 20.42 357,399 3.13 70.66
26 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 31.18 25.13 288,813 2.81 38.76
27 1st National Bank Lebanon Ohio Commercial Bank 31.14 9.06 259,629 2.51 66.37
Sherburne State Bank Becker Minn. Commercial Bank 31.14 20.54 185,991 2.37 43.99
29 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 30.93 30.86 510,145 3.23 42.68
30 Central Bank of Kansas City Kansas City Mo. Commercial Bank 30.69 35.16 296,918 4.39 54.54
31 Brighton Bank Brighton Tenn. Commercial Bank 29.83 1.56 54,978 2.03 81.46
32 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 29.37 24.35 59,540 2.72 45.77
33 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 29.09 7.30 80,035 2.65 54.67
34 Brazos National Bank Richwood Tex. Commercial Bank 29.08 9.90 41,651 8.08 74.07
35 Florida Capital Bank, N.A. Jacksonville Fla. Commercial Bank 28.54 17.83 475,591 2.92 64.07
36 Charter Bank Corpus Christi Tex. Commercial Bank 28.23 33.86 329,212 3.05 47.46
37 Austin Capital Bank SSB Austin Tex. Savings Bank 28.02 7.40 291,816 2.26 83.23
38 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 27.33 22.10 762,020 2.86 54.29
39 Vantage Bank Kent Minn. Commercial Bank 27.08 11.29 42,044 2.50 56.43
40 Bank Northwest Hamilton Mo. Commercial Bank 27.02 24.67 201,326 2.37 44.41
41 First Bank Burkburnett Tex. Commercial Bank 26.85 20.03 536,603 2.92 63.55
42 Town and Country Bank Midwest Quincy Ill. Commercial Bank 26.43 19.59 197,353 3.28 39.98
43 HNB National Bank Hannibal Mo. Commercial Bank 26.27 19.34 622,678 3.32 40.75
44 Community Bank Topeka Kan. Commercial Bank 25.97 16.26 134,993 2.47 44.25
45 Quantum National Bank Suwanee Ga. Commercial Bank 25.77 27.10 608,173 2.66 44.00
46 First State Bank Louise Tex. Commercial Bank 25.75 25.72 604,965 2.34 51.54
47 Farmers and Merchants Bank Maysville Okla. Commercial Bank 25.62 27.46 19,825 2.03 60.25
48 First State Bank of St. Charles, Missouri Saint Charles Mo. Commercial Bank 25.51 12.89 489,510 3.32 71.28
49 Dundee Bank Omaha Neb. Commercial Bank 25.45 13.41 370,401 2.32 55.56
50 Wells Bank Platte City Mo. Commercial Bank 25.23 22.90 293,261 2.36 45.76
51 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 25.18 26.33 318,116 1.95 58.52
52 First Bank of Owasso Owasso Okla. Commercial Bank 25.10 20.72 511,577 2.63 39.60
53 North American Banking Company Roseville Minn. Commercial Bank 25.07 24.15 873,941 2.02 49.08
54 Home Bank and Trust Company Eureka Kan. Commercial Bank 24.95 17.22 143,357 1.88 63.92
55 Tolleson Private Bank Dallas Tex. Commercial Bank 24.93 28.40 704,567 2.10 46.88
56 CNB Bank Carlsbad N.M. Commercial Bank 24.89 25.19 498,276 2.28 50.07
57 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 24.84 24.42 99,996 1.96 56.33
58 Envision Bank Stoughton Mass. Savings Bank 24.72 4.84 722,995 2.88 62.36
59 Main Bank Albuquerque N.M. Commercial Bank 24.65 22.08 208,102 1.93 44.74
60 Apex Bank Camden Tenn. Commercial Bank 24.59 28.62 904,999 3.06 37.74
State Bank of New Richland New Richland Minn. Commercial Bank 24.59 23.88 111,869 2.47 41.81
62 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 24.54 23.98 612,059 1.71 52.21
63 Riverside Bank Sparkman Ark. Commercial Bank 24.44 26.77 61,327 2.21 54.97
64 Douglas National Bank Douglas Ga. Commercial Bank 24.32 25.38 221,490 2.69 47.72
65 Bippus State Bank Huntington Ind. Commercial Bank 24.30 18.54 220,130 2.71 50.48
66 Goodfield State Bank Goodfield Ill. Commercial Bank 24.13 16.49 158,528 2.99 45.44
67 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 24.08 25.91 438,288 2.17 48.98
68 Legacy Bank & Trust Company Rogersville Mo. Commercial Bank 24.05 12.74 538,271 2.05 43.01
69 First State Bank Elmore City Okla. Commercial Bank 24.03 18.72 20,203 2.75 89.66
70 Security Bank USA Bemidji Minn. Commercial Bank 23.91 19.40 189,051 2.07 60.18
71 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 23.60 27.37 473,944 1.93 50.77
72 Bank of Deerfield Deerfield Wis. Commercial Bank 23.54 16.35 175,798 2.84 45.39
73 ESB Bank Caledonia Minn. Commercial Bank 23.50 16.32 133,374 2.33 45.64
West Gate Bank Lincoln Neb. Commercial Bank 23.50 15.99 912,511 2.38 54.81
75 VisionBank Saint Louis Park Minn. Commercial Bank 23.30 16.84 169,630 1.72 43.50
76 First Bank of Berne Berne Ind. Commercial Bank 23.20 21.02 905,570 2.30 45.68
77 First State Bank Boise City Okla. Commercial Bank 23.18 18.07 94,641 1.91 54.19
78 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 22.85 21.63 951,710 2.00 54.28
79 NewFirst National Bank El Campo Tex. Commercial Bank 22.78 23.87 844,639 2.49 49.10
80 Citizens State Bank Miles Tex. Commercial Bank 22.69 23.95 168,674 2.17 47.27
81 North Valley Bank Thornton Colo. Commercial Bank 22.66 23.69 203,754 2.68 46.40
82 Coleman County State Bank Coleman Tex. Commercial Bank 22.57 22.93 147,029 2.10 62.15
Twin River Bank Lewiston Idaho Commercial Bank 22.57 22.73 119,205 1.97 57.28
84 Bank of Mauston Mauston Wis. Commercial Bank 22.51 21.85 347,353 2.97 36.97
85 Sterling Bank Barron Wis. Commercial Bank 22.43 18.54 284,196 1.88 52.51
86 North Shore Bank of Commerce Duluth Minn. Commercial Bank 22.39 18.67 362,523 2.12 69.99
Vinings Bank Smyrna Ga. Commercial Bank 22.39 13.19 690,908 1.52 57.07
88 Bank of Hemet Riverside Calif. Commercial Bank 22.35 24.65 898,499 2.38 40.67
Park State Bank Duluth Minn. Commercial Bank 22.35 14.54 222,965 2.26 49.80
90 Bank of Old Monroe Old Monroe Mo. Commercial Bank 22.32 15.00 502,037 3.34 43.57
Evolve Bank & Trust Memphis Tenn. Commercial Bank 22.32 10.81 691,611 1.89 84.71
92 CS Bank Eureka Springs Ark. Commercial Bank 22.29 19.68 431,453 1.74 57.97
93 Brighton Bank Salt Lake City Utah Commercial Bank 22.28 21.16 269,430 2.43 49.34
94 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 22.27 22.12 257,465 2.94 42.75
95 Bank of Milton Milton Wis. Commercial Bank 22.21 13.94 164,826 2.13 46.55
96 Western Commerce Bank Carlsbad N.M. Commercial Bank 22.05 29.47 555,863 1.64 49.91
97 Security State Bank Sutherland Iowa Commercial Bank 21.85 26.42 262,220 2.23 37.77
98 First State Bank Scottsbluff Neb. Commercial Bank 21.71 23.07 356,760 2.04 52.67
99 Phelps County Bank Rolla Mo. Commercial Bank 21.70 21.08 458,103 1.73 61.51
100 Flint Community Bank Albany Ga. Commercial Bank 21.58 16.37 271,783 1.69 56.38
101 Oklahoma State Bank Buffalo Okla. Commercial Bank 21.46 25.10 59,497 2.14 56.09
102 State Bank of Texas Dallas Tex. Commercial Bank 21.38 28.41 976,977 3.40 27.45
103 Elysian Bank Elysian Minn. Commercial Bank 21.35 18.47 57,565 2.39 53.76
104 Bank of Cordell Cordell Okla. Commercial Bank 21.19 21.60 37,732 2.44 64.22
105 Colorado Bank and Trust Company of La Junta La Junta Colo. Commercial Bank 21.14 20.04 181,260 2.10 52.45
Cowboy Bank of Texas Maypearl Tex. Commercial Bank 21.14 20.96 100,213 2.35 53.29
107 Coffee County Bank Manchester Tenn. Commercial Bank 21.10 20.32 230,023 2.42 44.91
108 Grant County State Bank Swayzee Ind. Commercial Bank 21.08 22.18 224,296 2.49 30.17
109 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 21.06 24.83 97,584 2.60 30.69
110 Jonah Bank of Wyoming Casper Wyo. Commercial Bank 21.01 14.24 458,035 1.96 49.49
Lowry State Bank Lowry Minn. Commercial Bank 21.01 23.17 58,927 1.74 60.96
112 Patriot Bank Millington Tenn. Commercial Bank 21.00 12.07 450,766 1.98 56.09
113 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 20.99 18.72 291,879 1.68 51.78
114 Old Fort Banking Company Old Fort Ohio Commercial Bank 20.88 20.27 728,775 1.66 54.82
115 Roundbank Waseca Minn. Commercial Bank 20.83 15.22 385,394 2.40 58.66
116 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.80 20.62 953,506 2.14 56.23
117 First Community Bank Milton Wis. Commercial Bank 20.78 17.03 131,662 2.03 50.86
Flagler Bank West Palm Beach Fla. Commercial Bank 20.78 17.01 400,937 2.01 43.19
119 Yellowstone Bank Laurel Mont. Commercial Bank 20.68 16.91 952,870 3.48 36.67
120 Grand Marais State Bank Grand Marais Minn. Commercial Bank 20.65 20.53 118,047 1.44 58.45
121 Ultima Bank Minnesota Winger Minn. Commercial Bank 20.63 21.82 196,579 2.10 58.38
122 Freedom Bank Huntingburg Ind. Commercial Bank 20.58 20.77 507,772 2.13 40.34
123 Community Bank Longview Tex. Commercial Bank 20.57 22.64 237,243 2.34 41.96
124 Commercial Bank Crawford Ga. Commercial Bank 20.56 21.20 307,519 1.82 55.90
125 Genesee Regional Bank Rochester N.Y. Commercial Bank 20.44 13.94 751,390 2.19 45.78
126 Nebraska State Bank Oshkosh Neb. Commercial Bank 20.35 24.13 61,053 3.20 45.69
127 HomeBank Texas Seagoville Tex. Commercial Bank 20.34 19.35 256,688 2.04 51.02
128 First National Bank of Oklahoma Oklahoma City Okla. Commercial Bank 20.31 18.24 616,777 1.73 50.04
129 Security First National Bank of Hugo Hugo Okla. Commercial Bank 20.30 24.42 127,171 1.70 56.47
130 Woodford State Bank Monroe Wis. Commercial Bank 20.21 19.25 301,037 1.86 55.84
131 Central Bank and Trust Lander Wyo. Commercial Bank 20.20 24.58 201,196 1.80 58.07
132 Millennium Bank Des Plaines Ill. Commercial Bank 20.17 23.12 224,726 2.17 57.80
133 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 20.12 16.39 119,665 2.22 43.38
134 BLC Community Bank Little Chute Wis. Commercial Bank 20.11 12.78 329,664 2.30 43.96
135 M1 Bank Macks Creek Mo. Commercial Bank 19.95 8.89 489,358 1.73 34.28
136 Cedar Valley Bank & Trust La Porte City Iowa Commercial Bank 19.93 15.30 87,676 1.65 59.12
137 Platinum Bank Oakdale Minn. Commercial Bank 19.90 16.35 396,712 1.52 54.44
138 State Bank of De Kalb De Kalb Tex. Commercial Bank 19.87 18.22 335,622 1.96 57.82
139 Collins State Bank Collins Wis. Commercial Bank 19.83 15.66 112,018 1.79 67.24
140 Cornerstone Community Bank Grafton Wis. Commercial Bank 19.79 12.83 228,089 1.79 47.93
141 Delta Bank Vidalia La. Commercial Bank 19.77 20.58 386,966 1.69 61.37
142 Bank of Western Oklahoma Elk City Okla. Commercial Bank 19.76 22.83 340,774 1.65 56.39
Pine Island Bank Pine Island Minn. Commercial Bank 19.76 18.48 118,774 2.10 44.19
144 Great Plains National Bank Hollis Okla. Commercial Bank 19.69 19.24 945,007 1.89 70.12
145 RiverHills Bank Milford Ohio Commercial Bank 19.61 15.54 240,557 1.33 71.65
146 Community Bank Bristow Okla. Commercial Bank 19.60 23.85 95,878 1.72 56.31
147 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 19.57 19.47 198,358 2.14 43.77
148 Dart Bank Mason Mich. Commercial Bank 19.55 7.77 622,173 1.78 64.12
Middletown State Bank Middletown Ill. Commercial Bank 19.55 20.58 40,256 1.75 40.91
National Bank of Andrews Andrews Tex. Commercial Bank 19.55 26.58 238,110 1.97 60.52
151 F & C Bank Holden Mo. Commercial Bank 19.44 19.99 265,441 2.05 56.59
152 FirstBank Antlers Okla. Commercial Bank 19.41 16.99 531,693 1.82 65.68
153 Eagle Community Bank Maple Grove Minn. Commercial Bank 19.37 1.02 35,585 1.48 68.13
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 19.37 20.39 651,988 2.31 32.86
155 State Street Bank and Trust Company Quincy Ill. Commercial Bank 19.35 16.89 274,783 1.78 60.95
156 MRV Banks Sainte Genevieve Mo. Commercial Bank 19.33 16.63 530,210 1.74 39.60
157 Bank of Salem Salem Ark. Commercial Bank 19.26 12.88 165,615 2.06 54.26
158 Idabel National Bank Idabel Okla. Commercial Bank 19.19 20.86 153,418 1.99 47.90
159 Community First Bank Butler Mo. Commercial Bank 19.18 17.91 212,877 1.62 52.12
160 Grundy Bank Morris Ill. Commercial Bank 19.15 20.77 317,754 2.02 54.22
161 Farmers & Stockmens Bank Clayton N.M. Commercial Bank 19.01 16.02 460,442 1.91 69.46
162 First State Bank Wrens Ga. Commercial Bank 18.99 17.37 208,378 1.61 58.97
163 First State Bank Gothenburg Neb. Commercial Bank 18.92 13.04 701,030 2.21 39.19
Union Bank of Mena Mena Ark. Commercial Bank 18.92 19.52 316,588 1.97 54.55
165 Citizens State Bank and Trust Company Council Grove Kan. Commercial Bank 18.91 15.43 60,209 1.63 60.29
166 TransPecos Banks, SSB Pecos Tex. Commercial Bank 18.90 6.76 471,729 1.28 67.71
167 Bank of Kaukauna Kaukauna Wis. Commercial Bank 18.83 8.95 126,579 1.78 72.97
168 City National Bank of Colorado City Colorado City Tex. Commercial Bank 18.81 10.91 173,524 1.52 59.87
First State Bank Clute Tex. Commercial Bank 18.81 18.84 258,134 1.61 60.39
170 Jonesburg State Bank Jonesburg Mo. Commercial Bank 18.80 19.91 120,568 1.52 62.79
171 Ennis State Bank Ennis Tex. Commercial Bank 18.72 18.92 284,884 1.81 58.07
172 First Colony Bank of Florida Maitland Fla. Commercial Bank 18.63 21.54 257,003 1.73 45.31
173 Farmers Savings Bank Mineral Point Wis. Commercial Bank 18.62 12.97 378,469 1.81 46.48
First Federal Community Bank, National Association Dover Ohio Commercial Bank 18.62 16.27 550,259 1.59 48.43
Mid-America Bank Baldwin City Kan. Commercial Bank 18.62 13.54 280,832 1.68 53.67
176 Guadalupe Bank Kerrville Tex. Commercial Bank 18.55 15.31 210,638 1.64 59.69
177 First Missouri State Bank Poplar Bluff Mo. Commercial Bank 18.52 13.41 204,722 1.70 55.00
178 Southwest Bank Odessa Tex. Commercial Bank 18.50 20.30 534,227 1.39 66.61
179 SSB Community Bank Strasburg Ohio Commercial Bank 18.49 17.31 130,675 1.43 65.71
180 Fresno First Bank Fresno Calif. Commercial Bank 18.46 20.15 871,735 1.64 43.97
Murphy Bank Fresno Calif. Commercial Bank 18.46 16.13 318,892 2.07 47.89
182 Intracoastal Bank Palm Coast Fla. Commercial Bank 18.45 20.31 483,613 1.60 46.03
183 First State Bank & Trust Company Fremont Neb. Commercial Bank 18.44 19.78 281,394 1.72 61.07
184 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 18.42 18.63 278,586 1.83 52.73
185 HomeTown Bank Redwood Falls Minn. Commercial Bank 18.41 13.19 470,071 1.91 53.57
186 Madison Valley Bank Ennis Mont. Commercial Bank 18.37 14.07 230,344 1.59 65.08
187 Citizens Bank Butler Mo. Commercial Bank 18.34 23.79 178,001 1.49 62.53
188 First Bank Erick Okla. Commercial Bank 18.33 19.79 85,259 2.28 56.70
189 BankVista Sartell Minn. Commercial Bank 18.32 10.53 499,925 1.28 55.64
190 Farmers State Bank Quinton Okla. Commercial Bank 18.31 5.90 130,824 1.47 73.54
Financial Security Bank Kerkhoven Minn. Commercial Bank 18.31 10.30 126,424 1.51 60.33
192 Countybank Greenwood S.C. Commercial Bank 18.30 13.84 567,349 1.43 78.26
First Missouri State Bank of Cape County Cape Girardeau Mo. Commercial Bank 18.30 10.66 170,260 1.65 60.08
194 Citizens State Bank Marysville Kan. Commercial Bank 18.29 21.88 371,446 1.92 39.37
195 First State Bank Graham Tex. Commercial Bank 18.15 16.96 178,237 1.72 60.64
Oxford Bank & Trust Oak Brook Ill. Commercial Bank 18.15 12.57 730,806 1.82 64.44
197 West Valley National Bank Goodyear Ariz. Commercial Bank 18.14 -6.30 124,557 1.24 74.00
198 Security Bank and Trust Company Paris Tenn. Commercial Bank 18.12 14.96 741,406 1.54 53.39
199 Union Bank & Trust Company Monticello Ark. Commercial Bank 18.07 16.75 250,411 1.81 54.69
200 Horizon Bank Waverly Neb. Commercial Bank 18.02 15.68 375,185 2.02 33.68

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. 19, 2021. Figures for prior periods are not adjusted for mergers and acquisitions.

© 2021 American Banker

Source:

https://www.spglobal.com/en/

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