Community Banks with the Highest Returns on Average Equity

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Community Banks with the Highest Returns on Average Equity
Rank Name City State Type of charter Return on
average equity
2Q 2020
Return on
average equity
2Q 2019
Total
assets
Return on
average assets
Efficiency
ratio
1 First Bank of the Lake Osage Beach Mo. Commercial Bank 218.26 23.69 $619,080 7.87 16.78
2 Magnolia Bank, Inc. Magnolia Ky. Commercial Bank 198.63 36.67 367,395 20.61 46.85
3 One American Bank Sioux Falls S.D. Commercial Bank 148.08 7.79 168,823 16.35 59.89
4 University Bank Ann Arbor Mich. Commercial Bank 106.41 12.04 540,107 9.21 61.10
5 Bank of England England Ark. Commercial Bank 95.33 21.93 543,694 12.12 74.36
6 First Community Bank of Tennessee Shelbyville Tenn. Commercial Bank 77.72 15.36 729,088 8.62 51.69
7 Willamette Valley Bank Salem Ore. Commercial Bank 75.91 44.20 352,966 9.60 58.89
8 Fidelity Bank West Des Moines Iowa Commercial Bank 75.80 13.41 89,917 8.81 49.87
9 VisionBank Saint Louis Park Minn. Commercial Bank 75.67 19.17 168,374 5.45 18.43
10 Goldwater Bank, N.A. Phoenix Ariz. Commercial Bank 75.55 78.73 284,140 6.76 86.06
11 Midwest Community Bank Freeport Ill. Commercial Bank 73.91 20.34 410,918 5.66 65.03
12 Paramount Bank Saint Louis Mo. Commercial Bank 63.70 4.45 171,254 5.13 76.53
13 Bank of Montana Missoula Mont. Commercial Bank 55.51 19.92 135,546 5.06 27.68
14 Chickasaw Community Bank Oklahoma City Okla. Commercial Bank 55.23 15.09 258,107 5.29 49.96
15 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 54.95 31.69 378,352 4.56 32.49
16 Aspire Bank Fargo N.D. Commercial Bank 52.92 5.60 51,141 4.53 30.81
17 Eagle Community Bank Maple Grove Minn. Commercial Bank 52.06 2.58 33,943 3.79 45.02
18 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 50.59 -3.19 84,430 4.33 51.85
19 1st National Bank Lebanon Ohio Commercial Bank 48.82 7.49 243,782 3.76 57.85
20 Plains Commerce Bank Hoven S.D. Commercial Bank 48.76 12.04 931,884 6.12 60.49
21 Farmers & Stockmens Bank Clayton N.M. Commercial Bank 47.18 17.34 411,015 4.51 49.60
22 Vantage Bank Kent Minn. Commercial Bank 46.68 9.14 40,948 4.25 45.52
23 Community Bank Topeka Kan. Commercial Bank 46.28 14.22 132,478 4.24 34.37
24 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 45.77 23.79 302,483 3.80 30.53
25 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 45.71 21.18 706,062 4.74 52.41
26 Texana Bank, National Association Linden Tex. Commercial Bank 45.57 8.06 234,098 3.90 60.57
27 Charter West Bank West Point Neb. Commercial Bank 45.55 26.42 331,852 4.40 57.48
28 State Bank of Southwest Missouri Springfield Mo. Commercial Bank 44.99 14.44 162,881 2.82 42.64
29 Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 44.95 19.15 295,634 3.59 35.44
30 North Shore Bank of Commerce Duluth Minn. Commercial Bank 44.21 19.87 360,051 3.61 58.32
31 Flanagan State Bank Flanagan Ill. Commercial Bank 44.07 19.28 209,453 4.55 75.68
32 Eagle State Bank Eagle Neb. Commercial Bank 42.57 11.28 51,595 3.43 38.76
33 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 41.99 26.15 52,076 4.00 33.82
34 Buckeye State Bank Powell Ohio Commercial Bank 41.65 -5.99 240,315 3.44 75.11
35 Community Bank of Raymore Raymore Mo. Commercial Bank 41.45 33.16 323,699 3.47 38.31
36 Citizens State Bank Waco Tex. Commercial Bank 41.19 7.51 181,394 3.69 -46.98
37 Bank Northwest Hamilton Mo. Commercial Bank 41.13 25.60 178,714 3.48 34.29
38 Central Bank and Trust Lander Wyo. Commercial Bank 39.38 17.86 176,994 3.66 40.87
39 West Valley National Bank Goodyear Ariz. Commercial Bank 38.86 -11.43 132,191 2.72 64.57
40 Lake Area Bank Lindstrom Minn. Commercial Bank 38.80 14.43 421,300 4.20 53.64
41 First Bank of Owasso Owasso Okla. Commercial Bank 38.22 20.63 538,420 3.90 30.92
42 Lakeview Bank Lakeville Minn. Commercial Bank 37.19 13.85 134,830 2.98 42.50
43 Sherburne State Bank Becker Minn. Commercial Bank 37.03 19.07 163,006 2.76 41.75
44 Legacy Bank & Trust Company Rogersville Mo. Commercial Bank 37.00 10.75 449,389 3.01 36.09
45 First Bank Burkburnett Tex. Commercial Bank 36.97 20.23 552,415 3.85 58.60
46 Oxford Bank & Trust Oak Brook Ill. Commercial Bank 36.87 13.64 691,681 3.67 65.50
47 Texas Bank Financial Weatherford Tex. Commercial Bank 36.60 24.18 504,666 3.57 51.70
48 Peoples Bank Mendenhall Miss. Commercial Bank 36.44 23.17 402,287 3.46 50.46
49 Tri Valley Bank Talmage Neb. Commercial Bank 36.27 20.13 54,690 2.81 38.85
50 Grand Marais State Bank Grand Marais Minn. Commercial Bank 35.90 21.38 108,592 2.72 45.60
51 United Minnesota Bank New London Minn. Commercial Bank 35.81 19.16 37,185 2.42 52.59
52 Lafayette State Bank Mayo Fla. Commercial Bank 35.79 20.16 134,634 2.59 60.81
53 Community Bank & Trust - West Georgia LaGrange Ga. Commercial Bank 35.70 -1.19 83,617 1.06 81.66
54 Twin City Bank Longview Wash. Commercial Bank 35.54 6.76 74,216 3.23 44.79
55 Security Bank and Trust Company Paris Tenn. Commercial Bank 35.21 15.72 612,226 2.81 40.24
56 Austin Capital Bank SSB Austin Tex. Savings Bank 35.15 23.57 194,774 3.11 78.67
57 Bank of Kaukauna Kaukauna Wis. Commercial Bank 35.08 6.95 115,127 3.30 56.58
58 North American Banking Company Roseville Minn. Commercial Bank 35.03 24.89 788,652 2.71 41.96
59 Prime Security Bank Karlstad Minn. Commercial Bank 34.96 12.85 102,950 2.93 39.59
60 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 34.68 16.43 276,951 2.76 37.39
61 Coleman County State Bank Coleman Tex. Commercial Bank 34.58 30.46 145,320 3.23 50.03
62 Community Bank of Pickens County Jasper Ga. Commercial Bank 34.49 14.41 409,414 3.94 31.03
63 State Bank Northwest Spokane Valley Wash. Commercial Bank 34.01 12.26 187,941 3.34 48.32
64 American Bank & Trust of the Cumberlands Livingston Tenn. Commercial Bank 33.93 14.94 286,415 2.95 47.15
65 Twin River Bank Lewiston Idaho Commercial Bank 33.58 24.65 121,183 2.89 47.72
66 First State Bank Elmore City Okla. Commercial Bank 33.41 30.56 18,925 3.72 83.31
67 Brazos National Bank Richwood Tex. Commercial Bank 33.29 8.40 37,234 7.97 70.96
68 West Gate Bank Lincoln Neb. Commercial Bank 32.87 12.66 936,728 3.00 47.63
69 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 32.61 29.00 524,423 3.41 34.57
70 Carson Bank Mulvane Kan. Commercial Bank 32.32 14.65 144,511 2.61 58.83
71 United Bank Atmore Ala. Commercial Bank 32.05 14.20 871,343 2.96 41.31
72 Collins State Bank Collins Wis. Commercial Bank 31.93 13.43 106,792 2.89 52.85
73 CNB Bank Carlsbad N.M. Commercial Bank 31.92 29.66 483,113 2.85 42.90
74 State Bank of New Richland New Richland Minn. Commercial Bank 31.90 24.86 117,432 3.12 33.12
75 Minnesota Lakes Bank Delano Minn. Commercial Bank 31.56 2.65 156,408 2.89 53.88
76 Phelps County Bank Rolla Mo. Commercial Bank 31.48 23.13 423,699 2.50 51.59
77 Coulee Bank La Crosse Wis. Commercial Bank 31.42 11.40 441,635 2.89 54.61
78 Flagler Bank West Palm Beach Fla. Commercial Bank 31.22 19.00 408,387 2.89 34.32
79 Ultima Bank Minnesota Winger Minn. Commercial Bank 31.07 20.39 206,707 3.11 45.67
80 Rock Canyon Bank Provo Utah Commercial Bank 31.02 28.78 638,905 2.79 53.51
81 Bank of Milton Milton Wis. Commercial Bank 30.88 12.68 149,893 2.97 39.02
82 Forreston State Bank Forreston Ill. Commercial Bank 30.74 10.87 242,318 2.74 54.56
83 Farmers State Bank Pine Bluffs Wyo. Commercial Bank 30.69 -8.71 27,308 2.33 52.87
84 Farmers & Merchants Savings Bank Manchester Iowa Commercial Bank 30.25 14.15 672,011 3.58 33.12
85 Riverside Bank Sparkman Ark. Commercial Bank 30.24 28.16 64,083 2.71 50.20
86 Bank of Belleville Belleville Ill. Commercial Bank 29.43 5.68 285,741 2.13 41.31
87 Freedom Bank Huntingburg Ind. Commercial Bank 29.06 21.27 496,405 2.97 33.83
88 First State Bank Graham Tex. Commercial Bank 29.04 17.95 175,946 2.70 49.28
89 Bank of Louisiana New Orleans La. Commercial Bank 29.03 1.40 85,462 2.52 111.19
Security Bank Laurel Neb. Commercial Bank 29.03 15.24 252,382 3.62 52.84
91 Timberline Bank Grand Junction Colo. Commercial Bank 28.95 15.55 482,769 2.13 55.84
92 Legacy Bank Altoona Iowa Commercial Bank 28.73 10.22 138,129 2.01 63.05
93 Town and Country Bank Midwest Quincy Ill. Commercial Bank 28.53 21.41 194,543 3.61 36.20
94 First Midwest Bank of Dexter Dexter Mo. Commercial Bank 28.38 11.25 421,122 2.79 45.72
95 Community Bank of Louisiana Mansfield La. Commercial Bank 28.03 19.22 584,920 2.74 41.22
96 Goodfield State Bank Goodfield Ill. Commercial Bank 27.76 17.30 152,846 3.35 42.11
97 Bippus State Bank Huntington Ind. Commercial Bank 27.72 15.46 215,255 2.99 46.60
Tolleson Private Bank Dallas Tex. Commercial Bank 27.72 27.39 583,183 2.33 43.31
99 NewFirst National Bank El Campo Tex. Commercial Bank 27.59 24.80 863,084 2.94 45.58
100 Charter Bank Corpus Christi Tex. Commercial Bank 27.35 33.23 322,513 2.95 46.86
101 First Heritage Bank Shenandoah Iowa Commercial Bank 27.30 5.36 47,493 2.72 45.16
102 ONB Bank Rochester Minn. Commercial Bank 27.20 9.29 132,226 2.88 47.06
103 Grand Rapids State Bank Grand Rapids Minn. Commercial Bank 27.18 12.53 278,899 2.56 53.94
104 First State Bank of Kiester Kiester Minn. Commercial Bank 27.14 6.20 26,077 2.83 47.00
105 Delta Bank Vidalia La. Commercial Bank 27.10 17.29 356,077 2.30 55.24
TransPecos Banks, SSB Pecos Tex. Commercial Bank 27.10 16.06 391,615 1.82 64.94
107 FirstBank of Nebraska Wahoo Neb. Commercial Bank 27.01 20.99 314,584 2.75 32.01
108 Ennis State Bank Ennis Tex. Commercial Bank 26.98 17.21 292,996 2.55 47.88
109 Envision Bank Stoughton Mass. Savings Bank 26.92 8.72 725,374 3.02 62.31
110 North Valley Bank Thornton Colo. Commercial Bank 26.85 25.78 191,963 3.14 42.23
111 Anchor D Bank Texhoma Okla. Commercial Bank 26.78 12.18 231,959 3.07 61.57
112 Douglas National Bank Douglas Ga. Commercial Bank 26.77 25.14 229,666 2.72 45.47
113 Bank 21 Carrollton Mo. Commercial Bank 26.63 13.73 154,801 2.18 55.59
114 Peoples Bank & Trust Pana Ill. Commercial Bank 26.56 12.57 460,673 2.70 45.56
115 Nebraska State Bank Oshkosh Neb. Commercial Bank 26.47 26.16 59,760 3.82 37.60
116 First State Bank Louise Tex. Commercial Bank 26.41 24.09 587,961 2.37 50.49
117 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 26.40 21.85 566,381 1.83 46.04
118 Valor Bank Edmond Okla. Commercial Bank 26.37 17.09 118,539 2.08 68.80
119 MinnStar Bank National Association Lake Crystal Minn. Commercial Bank 26.24 9.23 143,235 2.40 53.34
120 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 26.13 27.73 99,008 2.05 53.35
121 Brannen Bank Inverness Fla. Commercial Bank 25.96 31.10 618,684 1.74 55.72
122 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 25.77 21.10 64,243 2.91 36.70
123 Peoples State Bank of Plainview Plainview Minn. Commercial Bank 25.75 14.11 311,056 2.40 48.62
124 Woodford State Bank Monroe Wis. Commercial Bank 25.70 19.52 278,805 2.39 50.60
125 Security State Bank of Fergus Falls Fergus Falls Minn. Commercial Bank 25.63 16.77 146,698 2.75 42.05
126 Utah Independent Bank Salina Utah Commercial Bank 25.58 18.88 115,169 3.40 44.72
127 Lowry State Bank Lowry Minn. Commercial Bank 25.53 18.66 58,348 2.11 52.75
128 Patriot Bank Millington Tenn. Commercial Bank 25.52 13.62 433,161 2.36 51.67
129 Cedar Valley Bank & Trust La Porte City Iowa Commercial Bank 25.32 15.07 79,321 2.09 51.07
130 SSB Community Bank Strasburg Ohio Commercial Bank 25.25 17.13 116,757 2.00 57.93
131 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 25.21 20.09 924,582 2.17 52.45
132 Madison Valley Bank Ennis Mont. Commercial Bank 25.12 13.61 201,897 2.33 50.73
133 American Exchange Bank Elmwood Neb. Commercial Bank 25.09 16.64 56,361 2.68 42.26
134 Allied First Bank,sb Oswego Ill. Savings Bank 25.07 27.51 137,014 3.00 93.12
135 Home Bank and Trust Company Eureka Kan. Commercial Bank 24.96 18.64 123,219 1.87 56.78
136 Legacy Bank Hinton Okla. Commercial Bank 24.91 8.60 796,710 1.53 50.22
137 Security Bank USA Bemidji Minn. Commercial Bank 24.90 22.47 182,124 2.03 57.67
138 Security Bank & Trust Company Glencoe Minn. Commercial Bank 24.77 16.96 664,958 2.21 43.99
139 First Bank of Berne Berne Ind. Commercial Bank 24.71 20.95 858,589 2.44 44.11
140 Western Commerce Bank Carlsbad N.M. Commercial Bank 24.66 32.21 581,854 1.69 45.73
141 FortuneBank Arnold Mo. Commercial Bank 24.64 7.68 258,588 1.78 59.77
142 National Bank of Andrews Andrews Tex. Commercial Bank 24.54 35.96 246,768 2.36 57.93
143 Community Bank Bristow Okla. Commercial Bank 24.44 22.13 94,608 2.13 50.86
144 Bank of Mauston Mauston Wis. Commercial Bank 24.40 20.97 333,828 3.26 35.93
145 Security State Bank of Oklahoma Wewoka Okla. Commercial Bank 24.36 15.10 287,018 2.89 39.60
146 Oklahoma State Bank Buffalo Okla. Commercial Bank 24.35 25.23 61,786 2.41 49.99
147 Bank of St. Elizabeth Saint Elizabeth Mo. Commercial Bank 24.32 18.71 176,148 2.76 49.76
148 State Savings Bank West Des Moines Iowa Commercial Bank 24.31 14.39 169,454 2.28 45.39
149 Citizens Bank Butler Mo. Commercial Bank 24.28 23.40 169,331 2.00 54.67
Elysian Bank Elysian Minn. Commercial Bank 24.28 18.54 53,461 2.68 51.95
151 CenBank Buffalo Lake Minn. Commercial Bank 24.27 11.08 72,833 1.86 64.18
Citizens State Bank and Trust Company Council Grove Kan. Commercial Bank 24.27 17.82 55,671 2.21 54.09
Sterling Bank Barron Wis. Commercial Bank 24.27 16.20 279,542 2.04 50.37
154 First Whitney Bank and Trust Atlantic Iowa Commercial Bank 24.23 21.38 242,591 2.46 28.03
Premier Bank Minnesota Farmington Minn. Commercial Bank 24.23 21.37 309,802 2.40 42.89
156 Brighton Bank Salt Lake City Utah Commercial Bank 24.19 20.53 285,682 2.52 46.28
157 Bank of Deerfield Deerfield Wis. Commercial Bank 24.14 15.92 171,224 2.88 46.92
First Bank Kansas Salina Kan. Commercial Bank 24.14 19.73 494,504 2.32 56.02
159 Park State Bank Duluth Minn. Commercial Bank 24.08 15.36 233,144 2.65 38.55
160 First State Bank Boise City Okla. Commercial Bank 24.05 21.58 94,161 1.91 45.23
161 HomeTown Bank Redwood Falls Minn. Commercial Bank 24.04 13.68 420,295 2.50 46.78
State Street Bank and Trust Company Quincy Ill. Commercial Bank 24.04 18.19 261,155 2.20 57.19
163 Granite Community Bank Cold Spring Minn. Commercial Bank 24.02 12.43 149,963 1.86 45.67
164 Commercial State Bank Wausa Neb. Commercial Bank 24.01 13.68 151,349 2.21 48.14
165 Bank of Old Monroe Old Monroe Mo. Commercial Bank 23.95 15.03 471,485 3.42 36.14
Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 23.95 22.27 259,364 3.06 43.66
167 Community First Bank Kansas City Kan. Commercial Bank 23.94 17.09 224,242 2.40 44.12
168 Ixonia Bank Ixonia Wis. Commercial Bank 23.91 5.21 479,976 2.56 61.89
169 Security State Bank Sutherland Iowa Commercial Bank 23.83 22.68 263,748 2.43 35.90
170 First Reliance Bank Florence S.C. Commercial Bank 23.82 9.78 760,802 2.37 50.35
171 First National Bank of Hughes Springs Hughes Springs Tex. Commercial Bank 23.80 15.28 299,642 2.87 50.96
172 Bank of the Valley Bellwood Neb. Commercial Bank 23.68 11.06 336,625 1.97 64.51
173 Security National Bank of Enid Enid Okla. Commercial Bank 23.62 18.88 362,194 2.20 39.89
174 Valley State Bank Syracuse Kan. Commercial Bank 23.58 15.29 180,436 2.09 58.51
175 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 23.53 16.01 117,936 2.63 38.47
Monterey County Bank Monterey Calif. Commercial Bank 23.53 10.07 199,086 2.38 120.35
177 First State Bank and Trust Tonganoxie Kan. Commercial Bank 23.47 9.33 355,983 1.91 62.21
178 Cornerstone Bank Eureka Springs Ark. Commercial Bank 23.46 16.65 394,088 1.78 56.99
179 Red River State Bank Halstad Minn. Commercial Bank 23.35 13.85 99,346 2.30 50.70
180 Dundee Bank Omaha Neb. Commercial Bank 23.33 5.43 370,126 2.11 57.21
181 United Community Bank Milford Iowa Commercial Bank 23.32 10.34 221,998 2.50 46.60
182 First State Bank of St. Charles, Missouri Saint Charles Mo. Commercial Bank 23.31 12.18 458,477 2.80 76.67
Wells Bank Platte City Mo. Commercial Bank 23.31 20.05 265,769 2.17 49.63
184 RiverHills Bank Milford Ohio Commercial Bank 23.30 17.64 228,473 1.37 66.30
185 Missouri Bank Warrenton Mo. Commercial Bank 23.26 12.97 365,919 2.29 53.44
186 Bank of Hemet Riverside Calif. Commercial Bank 23.25 25.97 855,086 2.54 38.79
187 Passumpsic Bank Saint Johnsbury Vt. Savings Bank 23.12 7.50 792,129 2.71 62.63
188 Florida Capital Bank, N.A. Jacksonville Fla. Commercial Bank 23.10 21.04 525,221 2.20 72.76
189 Guadalupe Bank Kerrville Tex. Commercial Bank 23.07 18.10 198,459 2.06 51.85
190 HomeBank Texas Seagoville Tex. Commercial Bank 22.98 19.67 253,456 2.20 47.42
191 Bank of Western Oklahoma Elk City Okla. Commercial Bank 22.85 24.73 329,968 1.89 50.83
United Farmers State Bank Adams Minn. Commercial Bank 22.85 12.66 157,858 2.79 38.11
193 Ipava State Bank Ipava Ill. Commercial Bank 22.84 20.23 180,590 1.68 59.15
194 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 22.81 20.38 255,389 2.25 45.17
195 NSB Bank Mason City Iowa Commercial Bank 22.77 19.74 242,906 2.33 32.97
196 BankNorth Arthur N.D. Commercial Bank 22.75 14.18 432,656 2.69 43.39
First Midwest Bank of Poplar Bluff Poplar Bluff Mo. Commercial Bank 22.75 15.25 490,286 2.14 50.90
198 HNB National Bank Hannibal Mo. Commercial Bank 22.71 19.05 568,405 2.76 44.20
199 Columbus Bank and Trust Company Columbus Neb. Commercial Bank 22.69 14.75 160,241 2.41 48.65
200 First Security Bank and Trust Company Oklahoma City Okla. Commercial Bank 22.68 7.40 64,602 1.83 67.99

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 Aug. 28, 2020. Figures for prior periods are not adjusted for mergers and acquisitions.

© 2020 American Banker

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