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Community banking

Community Banks with the Highest Returns on Average Equity

February 22, 2022, 12:46 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 2021		 Return on
 average equity
 4Q 2020		  Total
assets		 Return on
 average assets		 Efficiency ratio
1 Riverstone Bank Eagle Neb. Commercial Bank 61.73 35.00 $494,059 4.49 28.12
2 First Bank of the Lake Osage Beach Mo. Commercial Bank 57.28 47.95 650,674 1.74 54.18
3 FinWise Bank Murray Utah Commercial Bank 56.31 33.85 373,830 9.43 35.89
4 First Security Bank and Trust Company Oklahoma City Okla. Commercial Bank 52.63 8.15 61,252 5.23 46.25
5 Peoples Bank Mendenhall Miss. Commercial Bank 52.49 35.53 431,628 5.25 51.63
6 Midwest Community Bank Freeport Ill. Commercial Bank 45.04 63.01 331,935 4.99 72.33
7 University Bank Ann Arbor Mich. Commercial Bank 43.63 73.72 488,411 4.92 73.38
8 Texas National Bank Mercedes Tex. Commercial Bank 41.01 17.15 593,232 3.06 43.60
9 Nantahala Bank & Trust Company Franklin N.C. Commercial Bank 39.67 0.66 231,595 2.61 77.86
10 Central Bank of Kansas City Kansas City Mo. Commercial Bank 37.60 30.69 310,782 4.78 59.22
11 VisionBank Saint Louis Park Minn. Commercial Bank 35.80 23.30 193,108 2.53 37.75
12 Crockett National Bank San Antonio Tex. Commercial Bank 34.92 37.17 631,706 4.73 49.41
13 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 34.86 41.98 451,795 3.16 41.07
14 The First State Bank Abernathy Tex. Commercial Bank 34.79 9.85 55,969 3.84 64.00
15 Quantum National Bank Suwanee Ga. Commercial Bank 33.65 25.77 642,022 3.41 42.37
16 Willamette Valley Bank Salem Ore. Commercial Bank 33.55 61.70 407,850 5.90 66.66
17 The First State Bank Boise City Okla. Commercial Bank 33.09 23.18 105,658 2.81 42.34
18 Legacy Bank Hinton Okla. Commercial Bank 32.72 12.77 845,145 1.47 48.61
19 Union Bank & Trust Company Livingston Tenn. Commercial Bank 32.04 15.76 106,794 3.63 36.91
20 NSB Bank Mason City Iowa Commercial Bank 31.77 17.19 438,359 2.63 45.79
21 Charter Bank Corpus Christi Tex. Commercial Bank 31.44 28.23 341,014 3.11 50.79
22 Dundee Bank Omaha Neb. Commercial Bank 30.94 25.45 479,987 2.80 47.73
First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 30.94 29.37 75,184 2.70 41.22
24 BankVista Sartell Minn. Commercial Bank 30.87 18.32 471,597 2.65 41.31
25 The Bippus State Bank Huntington Ind. Commercial Bank 30.35 24.30 271,336 3.32 44.43
26 Main Bank Albuquerque N.M. Commercial Bank 30.15 24.65 252,589 2.39 37.99
27 Bank Northwest Hamilton Mo. Commercial Bank 29.94 27.02 205,988 2.70 39.91
28 Paradise Bank Boca Raton Fla. Commercial Bank 29.67 16.95 377,712 2.82 53.19
29 Friend Bank Slocomb Ala. Commercial Bank 29.33 17.04 186,711 2.65 47.43
30 Bank of England England Ark. Commercial Bank 29.29 66.62 547,610 4.66 86.25
31 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 29.21 30.93 573,805 2.79 43.15
32 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 28.84 25.18 340,569 2.39 55.05
33 Madison Valley Bank Ennis Mont. Commercial Bank 28.33 18.37 267,437 2.16 59.69
34 Apex Bank Camden Tenn. Commercial Bank 28.23 24.59 971,477 3.77 31.43
35 Landmark Bank Clinton La. Commercial Bank 27.98 6.67 181,626 2.92 51.26
36 Millennium Bank Des Plaines Ill. Commercial Bank 27.88 20.17 283,227 2.99 46.97
37 Ultima Bank Minnesota Winger Minn. Commercial Bank 27.74 20.63 206,464 2.94 50.34
38 First Home Bank Saint Petersburg Fla. Commercial Bank 27.63 20.45 917,272 2.01 80.54
39 Platinum Bank Oakdale Minn. Commercial Bank 27.61 19.90 533,418 2.07 48.84
40 Delta Bank Vidalia La. Commercial Bank 27.49 19.77 451,072 2.22 51.33
41 NewFirst National Bank El Campo Tex. Commercial Bank 27.28 22.78 909,470 2.80 44.22
42 Farmers State Bank of Alto Pass, Ill. Harrisburg Ill. Commercial Bank 26.95 17.51 326,829 2.06 62.71
43 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 26.78 21.06 93,413 3.72 20.35
44 Tolleson Private Bank Dallas Tex. Commercial Bank 26.76 24.93 972,280 2.11 44.84
45 Douglas National Bank Douglas Ga. Commercial Bank 26.74 24.32 257,341 2.63 47.98
46 First Bank Burkburnett Tex. Commercial Bank 26.62 26.85 608,695 3.07 66.15
47 Progressive National Bank Mansfield La. Commercial Bank 26.10 8.99 106,870 2.18 54.27
48 The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 25.81 21.14 120,937 2.80 46.52
49 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 25.56 16.93 245,338 2.26 48.77
50 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 25.51 24.08 515,780 2.19 50.59
51 Sherburne State Bank Becker Minn. Commercial Bank 25.50 31.14 227,468 1.97 47.95
52 CNB Bank Carlsbad N.M. Commercial Bank 25.33 24.89 501,244 2.36 48.02
Nebraska State Bank Oshkosh Neb. Commercial Bank 25.33 20.35 68,283 3.70 38.22
54 Murphy Bank Fresno Calif. Commercial Bank 25.31 18.46 350,760 2.87 40.01
55 Continental Bank Salt Lake City Utah Commercial Bank 25.26 13.84 220,057 3.01 54.49
56 New Century Bank Belleville Kan. Commercial Bank 25.23 13.65 56,481 2.98 59.18
57 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 25.20 29.09 68,377 2.28 54.19
58 Bank of Columbia Columbia Ky. Commercial Bank 25.13 17.71 209,113 2.35 48.86
59 Riverside Bank Sparkman Ark. Commercial Bank 25.01 24.44 62,136 2.28 55.11
60 PromiseOne Bank Duluth Ga. Commercial Bank 24.98 15.78 593,492 2.90 40.90
61 Peoples Bank Lebanon Ky. Commercial Bank 24.83 13.08 99,464 2.35 44.08
62 The Commercial Bank Crawford Ga. Commercial Bank 24.59 20.56 420,699 1.98 49.58
63 The National Bank of Andrews Andrews Tex. Commercial Bank 24.58 19.55 265,243 2.47 58.16
64 Heartland State Bank Redfield S.D. Commercial Bank 24.48 17.22 120,993 2.47 50.53
65 Security State Bank Sutherland Iowa Commercial Bank 24.47 21.85 268,983 2.60 33.82
66 Bank of St. Francisville Saint Francisville La. Commercial Bank 24.43 12.22 223,587 2.49 54.15
67 North American Banking Company Roseville Minn. Commercial Bank 24.34 25.07 950,258 1.62 52.67
68 Pony Express Bank Liberty Mo. Commercial Bank 24.30 14.75 324,038 2.16 50.29
69 Charter West Bank West Point Neb. Commercial Bank 24.26 31.63 405,261 2.35 73.21
70 FirstBank Antlers Okla. Commercial Bank 24.24 19.41 575,740 2.44 59.21
71 Prime Security Bank Karlstad Minn. Commercial Bank 24.19 15.90 107,441 2.19 50.88
72 Coleman County State Bank Coleman Tex. Commercial Bank 24.12 22.57 178,849 2.08 63.53
73 Citizens State Bank Miles Tex. Commercial Bank 23.98 22.69 205,135 2.21 43.54
74 The First State Bank Louise Tex. Commercial Bank 23.93 25.75 818,161 2.03 54.94
75 Union Bank & Trust Company Monticello Ark. Commercial Bank 23.88 18.07 279,184 2.24 49.32
76 Coffee County Bank Manchester Tenn. Commercial Bank 23.82 21.10 250,180 2.61 45.79
77 Lake Area Bank Lindstrom Minn. Commercial Bank 23.81 32.38 423,563 2.87 77.14
78 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 23.80 22.27 280,615 3.16 42.54
79 Capital Community Bank Provo Utah Commercial Bank 23.77 12.65 522,298 2.97 42.73
80 Flagler Bank West Palm Beach Fla. Commercial Bank 23.40 20.78 497,257 2.15 39.76
81 North Valley Bank Thornton Colo. Commercial Bank 23.39 22.66 225,267 2.62 44.48
82 ESB Bank Caledonia Minn. Commercial Bank 23.38 23.50 153,762 2.21 43.73
Red River State Bank Halstad Minn. Commercial Bank 23.38 16.84 133,183 1.94 40.95
84 First Northern Bank of Wyoming Buffalo Wyo. Commercial Bank 23.37 17.87 569,100 1.85 63.09
85 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 23.35 18.42 312,923 2.04 49.66
86 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 23.28 24.54 728,808 1.36 55.94
87 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 23.18 15.64 319,474 2.22 45.27
88 Westside State Bank Westside Iowa Commercial Bank 23.15 9.53 153,090 1.98 57.75
89 First National Bank Oldham S.D. Commercial Bank 23.11 8.77 405,074 2.68 49.16
90 Auburn Banking Company Auburn Ky. Commercial Bank 23.09 16.78 107,458 1.87 57.53
91 Prime Alliance Bank Woods Cross Utah Commercial Bank 23.02 1.35 551,705 2.66 24.76
92 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 23.00 27.33 905,074 2.15 55.58
93 The State Exchange Bank Lamont Okla. Commercial Bank 22.99 14.66 84,597 2.68 43.94
94 The Citizens State Bank and Trust Company Council Grove Kan. Commercial Bank 22.91 18.91 65,890 1.80 56.79
95 Mid-America Bank Baldwin City Kan. Commercial Bank 22.88 18.62 306,026 2.23 47.69
96 Wells Bank Platte City Mo. Commercial Bank 22.84 25.23 337,033 1.93 50.41
97 The First National Bank of Cokato Cokato Minn. Commercial Bank 22.76 17.17 107,231 1.58 53.28
98 Decatur County Bank Decaturville Tenn. Commercial Bank 22.72 9.88 198,953 2.00 59.00
Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 22.72 20.12 136,964 2.34 45.30
100 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 22.70 19.57 243,110 2.33 38.45
101 First Missouri Bank of SEMO Kennett Mo. Commercial Bank 22.62 11.69 237,646 2.02 50.13
102 TrustBank Olney Ill. Commercial Bank 22.59 13.88 292,037 2.37 60.66
103 Prairie Sun Bank Milan Minn. Commercial Bank 22.52 16.42 107,292 1.89 45.34
104 First Bank Erick Okla. Commercial Bank 22.47 18.33 92,595 2.27 51.33
First Community Bank Milton Wis. Commercial Bank 22.47 20.78 142,972 2.23 48.30
106 State Savings Bank Creston Iowa Commercial Bank 22.45 16.22 148,736 2.10 47.47
107 Bank of Bartlett Bartlett Tenn. Commercial Bank 22.40 11.14 491,950 1.83 64.15
Bank of Western Oklahoma Elk City Okla. Commercial Bank 22.40 19.76 353,562 1.90 55.01
109 Sterling Bank Barron Wis. Commercial Bank 22.36 22.43 322,042 1.87 52.06
110 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 22.34 17.28 108,386 2.26 51.39
111 Security First National Bank of Hugo Hugo Okla. Commercial Bank 22.32 20.30 136,383 1.94 51.59
112 Brighton Bank Salt Lake City Utah Commercial Bank 22.26 22.28 322,533 2.27 49.75
113 F & C Bank Holden Mo. Commercial Bank 22.24 19.44 292,718 2.32 53.83
114 Valor Bank Edmond Okla. Commercial Bank 22.15 32.24 195,384 1.70 68.52
115 Logan State Bank Logan Iowa Commercial Bank 22.11 16.13 77,945 1.63 61.79
116 Platte Valley Bank Torrington Wyo. Commercial Bank 21.98 16.72 571,408 2.23 46.75
117 The Union Bank of Mena Mena Ark. Commercial Bank 21.94 18.92 348,241 2.19 50.56
118 The Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 21.90 20.80 970,045 2.38 50.89
119 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 21.87 31.18 314,377 1.89 46.80
First National Bank of Oklahoma Oklahoma City Okla. Commercial Bank 21.87 20.31 746,853 1.95 48.75
121 Western Commerce Bank Carlsbad N.M. Commercial Bank 21.84 22.05 631,495 1.58 54.94
122 Middletown State Bank Middletown Ill. Commercial Bank 21.83 19.55 42,409 1.89 38.28
123 The Bank of Hemet Riverside Calif. Commercial Bank 21.78 22.35 964,887 2.00 40.43
124 MRV Banks Sainte Genevieve Mo. Commercial Bank 21.71 19.33 631,530 1.98 36.04
125 CenterBank Milford Ohio Commercial Bank 21.66 12.96 272,037 2.20 51.47
126 Genesee Regional Bank Rochester N.Y. Commercial Bank 21.57 20.44 979,606 2.22 48.82
127 First State Bank Clute Tex. Commercial Bank 21.52 18.81 274,676 1.94 56.24
128 Security Bank and Trust Company Paris Tenn. Commercial Bank 21.51 18.12 807,285 2.16 43.91
129 CS Bank Eureka Springs Ark. Commercial Bank 21.44 22.29 480,019 1.99 54.30
Oklahoma State Bank Buffalo Okla. Commercial Bank 21.44 21.46 59,065 2.10 58.28
131 Midwest Bank Detroit Lakes Minn. Commercial Bank 21.35 16.37 700,095 1.82 47.83
132 County Bank Sigourney Iowa Commercial Bank 21.33 17.53 206,856 2.12 53.92
133 State Bank of New Richland New Richland Minn. Commercial Bank 21.25 24.59 113,278 2.21 42.96
134 Solera National Bank Lakewood Colo. Commercial Bank 21.22 14.05 652,544 2.06 34.76
135 First Midwest Bank of the Ozarks Poplar Bluff Mo. Commercial Bank 21.20 17.72 637,147 2.06 58.62
M1 Bank Clayton Mo. Commercial Bank 21.20 19.95 619,576 1.86 31.44
137 First IC Bank Doraville Ga. Commercial Bank 21.14 9.06 942,129 2.24 47.62
138 Home Bank of California San Diego Calif. Commercial Bank 21.10 16.13 196,423 2.71 40.75
139 Grant County State Bank Swayzee Ind. Commercial Bank 21.08 21.08 274,551 2.51 27.80
140 Maple Bank Champlin Minn. Commercial Bank 21.02 2.20 97,713 1.99 49.55
141 The Old Fort Banking Company Old Fort Ohio Commercial Bank 21.00 20.88 805,045 1.60 54.31
142 First Bank of Owasso Owasso Okla. Commercial Bank 20.99 25.10 594,664 2.21 42.32
143 Bank of Mauston Mauston Wis. Commercial Bank 20.96 22.51 395,626 2.53 38.47
144 Commercial Bank & Trust Company Monticello Ark. Commercial Bank 20.93 11.95 257,695 1.99 51.90
145 Bank of Lake Mills Lake Mills Wis. Commercial Bank 20.86 15.62 291,835 2.78 51.16
146 Flatirons Bank Boulder Colo. Commercial Bank 20.83 17.02 290,635 1.96 51.28
147 The MINT National Bank Kingwood Tex. Commercial Bank 20.80 11.72 346,257 2.34 47.40
148 Vantage Bank Kent Minn. Commercial Bank 20.77 27.08 61,791 1.64 63.45
149 Woodford State Bank Monroe Wis. Commercial Bank 20.76 20.21 371,496 1.78 61.38
150 Security Bank Tulsa Okla. Commercial Bank 20.74 16.35 762,270 2.05 37.20
151 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 20.64 16.47 249,937 1.79 60.09
152 Bendena State Bank Bendena Kan. Commercial Bank 20.63 15.92 95,210 1.75 49.12
153 Farmers Trust & Savings Bank Earling Iowa Commercial Bank 20.62 17.67 120,430 1.71 49.72
154 Bank of Cherokee County Hulbert Okla. Commercial Bank 20.59 6.75 169,405 1.69 67.75
155 HNB National Bank Hannibal Mo. Commercial Bank 20.48 26.27 669,775 2.50 45.34
156 Citizens Bank Butler Mo. Commercial Bank 20.42 18.34 188,764 1.47 62.46
Flint Community Bank Albany Ga. Commercial Bank 20.42 21.58 290,457 1.67 56.30
158 Evolve Bank & Trust Memphis Tenn. Commercial Bank 20.37 22.32 788,114 1.88 85.13
159 First Independent Bank Russell Minn. Commercial Bank 20.35 11.56 431,359 2.09 46.54
160 First Missouri State Bank Poplar Bluff Mo. Commercial Bank 20.31 18.52 208,547 1.90 52.71
Tioga-Franklin Savings Bank Philadelphia Pa. Savings Bank 20.31 5.38 58,704 1.55 61.16
162 Bank of Prague Prague Neb. Commercial Bank 20.30 14.78 34,679 2.66 55.57
163 Bank of Salem Salem Ark. Commercial Bank 20.26 19.26 177,399 2.16 53.53
164 The Bank of Houston Houston Mo. Commercial Bank 20.14 -5.77 51,276 2.41 54.33
165 The State Bank of Geneva Geneva Ill. Commercial Bank 20.12 5.51 108,683 1.80 62.85
166 Jonah Bank of Wyoming Casper Wyo. Commercial Bank 20.10 21.01 510,754 1.90 55.42
167 The Bank of Advance Advance Mo. Commercial Bank 20.08 17.30 410,552 2.36 46.13
168 Southwest Bank Odessa Tex. Commercial Bank 20.06 18.50 748,697 1.76 65.56
169 Freedom Bank Huntingburg Ind. Commercial Bank 19.97 20.58 548,497 2.09 40.60
170 Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 19.96 17.95 256,167 2.01 55.21
171 HomeBank Texas Seagoville Tex. Commercial Bank 19.88 18.93 292,350 2.03 49.49
172 The First National Bank at Paris Paris Ark. Commercial Bank 19.82 13.94 234,774 2.48 54.29
173 The Citizens State Bank Marysville Kan. Commercial Bank 19.81 18.29 390,087 1.97 39.18
174 First Colony Bank of Florida Maitland Fla. Commercial Bank 19.76 18.63 314,151 1.78 45.06
175 Security Bank USA Bemidji Minn. Commercial Bank 19.73 23.91 217,192 1.77 62.53
The Tri-County Bank Stuart Neb. Commercial Bank 19.73 12.97 193,602 1.66 56.09
177 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 19.71 17.90 297,697 1.64 59.93
178 The Peoples Bank Magnolia Ark. Commercial Bank 19.70 15.56 213,034 2.21 52.70
179 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 19.69 19.37 745,515 2.16 30.73
180 Freedom Bank Freer Tex. Commercial Bank 19.68 6.65 94,849 2.25 54.27
181 Clear Lake Bank and Trust Company Clear Lake Iowa Commercial Bank 19.67 16.12 556,094 1.57 57.41
182 BOM Bank Natchitoches La. Commercial Bank 19.66 16.78 703,802 1.83 62.03
183 The Dart Bank Mason Mich. Commercial Bank 19.64 19.55 698,469 1.86 66.50
184 Northwest Bank & Trust Company Davenport Iowa Commercial Bank 19.54 17.66 220,560 1.73 70.35
185 Community State Bank Bradley Ark. Commercial Bank 19.52 13.55 32,259 2.17 55.90
186 American State Bank Osceola Iowa Commercial Bank 19.49 17.29 272,429 1.95 53.37
187 First State Bank Gothenburg Neb. Commercial Bank 19.47 18.92 858,139 2.12 40.12
Great Plains Bank Eureka S.D. Commercial Bank 19.47 13.30 144,497 2.46 38.33
189 Commerce Bank Corinth Miss. Commercial Bank 19.39 10.80 155,560 2.08 55.28
190 CCB Community Bank Andalusia Ala. Commercial Bank 19.31 13.87 608,807 1.98 53.70
191 TrailWest Bank Lolo Mont. Commercial Bank 19.28 16.88 910,065 1.68 54.84
192 Firstar Bank Sallisaw Okla. Commercial Bank 19.27 10.84 805,479 1.93 59.94
193 International Bank of Chicago Chicago Ill. Commercial Bank 19.26 5.57 890,158 2.10 45.26
194 BLC Community Bank Little Chute Wis. Commercial Bank 19.25 20.11 317,519 2.20 45.08
Community First National Bank Manhattan Kan. Commercial Bank 19.25 12.93 290,729 1.97 64.45
196 Cornhusker Bank Lincoln Neb. Commercial Bank 19.21 11.87 867,559 1.56 63.31
197 First Community Bank Harbor Springs Mich. Commercial Bank 19.18 17.18 456,295 1.58 61.86
198 Timberline Bank Grand Junction Colo. Commercial Bank 19.17 14.35 646,914 1.38 57.39
199 Bank of Grand Lake Grove Okla. Commercial Bank 19.12 14.13 239,140 1.35 61.48
Bank of Okolona Okolona Miss. Commercial Bank 19.12 8.77 249,601 1.95 57.80
Cornerstone Community Bank Red Bluff Calif. Commercial Bank 19.12 15.23 603,280 1.56 38.29
Security Bank of the Ozarks Eminence Mo. Commercial Bank 19.12 12.73 132,279 1.53 61.61

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. 18, 2022. Figures for prior periods are not adjusted for mergers and acquisitions.

© 2022 American Banker

Source:

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

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