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Community Banks with the Highest Returns on Average Equity

August 23, 2021, 11:40 a.m. EDT 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
2Q 2021		 Return on
average equity
2Q 2020		 Total
assets		 Return on
average assets		 Efficiency
ratio
1 First Security Bank and Trust Company Oklahoma City Okla. Commercial Bank 112.81 22.68 $63,352 11.48 28.35
2 The First State Bank Abernathy Tex. Commercial Bank 100.88 9.23 49,712 10.85 45.46
3 First Bank of the Lake Osage Beach Mo. Commercial Bank 83.24 -25.01 962,637 2.07 45.41
4 FinWise Bank Murray Utah Commercial Bank 56.44 11.08 281,800 9.16 38.96
5 The State Bank of Geneva Geneva Ill. Commercial Bank 56.27 5.09 110,750 4.88 38.88
6 Peoples Bank Mendenhall Miss. Commercial Bank 52.07 36.44 422,771 5.00 51.66
7 LimeBank Bolivar Mo. Commercial Bank 51.92 1.74 76,449 5.70 45.09
8 Landmark Bank Clinton La. Commercial Bank 48.28 4.65 158,375 4.87 39.32
9 Native American Bank, National Association Denver Colo. Commercial Bank 47.96 5.72 166,287 4.81 41.36
10 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 45.51 16.96 239,696 3.94 37.12
11 Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 44.79 44.95 512,810 3.11 28.39
12 The First State Bank Boise City Okla. Commercial Bank 44.36 24.05 102,531 3.80 31.61
13 First National Bank and Trust Atmore Ala. Commercial Bank 43.20 12.30 205,141 4.48 41.68
14 Westside State Bank Westside Iowa Commercial Bank 42.57 6.68 146,545 3.58 49.39
15 Midwest Community Bank Freeport Ill. Commercial Bank 42.30 73.91 367,092 4.56 75.67
16 First State Bank Elmore City Okla. Commercial Bank 41.95 33.41 17,398 5.74 79.80
17 Ultima Bank Minnesota Winger Minn. Commercial Bank 41.94 31.07 211,473 4.37 38.86
18 Red River State Bank Halstad Minn. Commercial Bank 41.79 23.35 143,734 3.39 33.28
19 Coleman County State Bank Coleman Tex. Commercial Bank 41.70 34.58 163,443 3.61 47.91
20 VisionBank Saint Louis Park Minn. Commercial Bank 41.48 75.67 203,150 2.71 29.23
21 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 41.24 50.59 79,706 3.57 46.43
22 Peoples Bank Lubbock Tex. Commercial Bank 40.80 14.75 889,851 3.64 59.09
23 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 40.43 26.13 111,774 2.95 43.44
24 The Bank of Houston Houston Mo. Commercial Bank 40.39 -12.88 55,821 4.50 38.01
25 NewFirst National Bank El Campo Tex. Commercial Bank 40.00 27.59 876,689 4.12 38.32
26 Bank of Columbia Columbia Ky. Commercial Bank 39.18 16.00 179,912 3.68 38.31
27 First Security Bank Mackinaw Ill. Commercial Bank 38.75 10.44 95,053 3.65 43.07
28 Paradise Bank Boca Raton Fla. Commercial Bank 38.57 10.26 393,050 3.81 44.72
29 The Bank of Edison Edison Ga. Commercial Bank 38.54 5.16 65,722 2.93 56.87
30 CBW Bank Weir Kan. Commercial Bank 38.52 25.77 100,639 7.24 35.76
31 Security Bank of the Ozarks Eminence Mo. Commercial Bank 38.46 15.57 130,763 3.08 46.69
32 First National Bank Bagley Minn. Commercial Bank 37.65 11.02 107,999 2.98 44.03
33 Great Plains Bank Eureka S.D. Commercial Bank 37.04 16.94 143,557 4.69 23.71
34 Dundee Bank Omaha Neb. Commercial Bank 35.76 23.33 436,501 3.15 45.40
35 Crescent Bank & Trust New Orleans La. Commercial Bank 35.59 -46.07 931,742 6.18 39.02
36 Peoples Bank Lebanon Ky. Commercial Bank 35.48 16.80 113,980 3.02 36.41
37 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 35.31 54.95 407,603 3.15 41.13
38 Willamette Valley Bank Salem Ore. Commercial Bank 35.23 75.91 376,530 6.09 66.69
39 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 34.90 41.99 66,705 3.11 39.86
40 West Town Bank & Trust North Riverside Ill. Commercial Bank 34.81 -13.81 395,935 3.56 55.82
41 Charter Bank Corpus Christi Tex. Commercial Bank 33.95 27.35 342,504 3.21 58.85
42 BankVista Sartell Minn. Commercial Bank 33.76 16.90 445,965 2.93 39.53
43 The State Exchange Bank Lamont Okla. Commercial Bank 33.54 21.41 79,996 3.81 35.54
44 Central Bank of Kansas City Kansas City Mo. Commercial Bank 33.35 21.72 335,534 4.24 60.38
45 First Iowa State Bank Albia Iowa Commercial Bank 33.21 14.04 184,579 3.50 33.48
46 Main Bank Albuquerque N.M. Commercial Bank 32.84 22.48 236,098 2.57 35.57
47 FirstBank Antlers Okla. Commercial Bank 32.79 20.99 565,876 3.21 52.29
48 Arbor Bank Nebraska City Neb. Commercial Bank 32.62 16.25 519,290 2.55 57.69
49 Apex Bank Camden Tenn. Commercial Bank 32.33 20.60 934,556 4.26 24.33
50 Northwest Bank & Trust Company Davenport Iowa Commercial Bank 32.01 13.26 221,153 2.76 58.01
51 Logan State Bank Logan Iowa Commercial Bank 31.43 17.22 78,026 2.28 49.92
52 Riverstone Bank Eagle Neb. Commercial Bank 31.40 36.27 113,461 2.91 40.13
53 County Bank Sigourney Iowa Commercial Bank 31.22 21.15 208,450 3.04 43.60
54 Bank of Montana Missoula Mont. Commercial Bank 31.05 45.95 161,928 3.00 41.17
55 F & C Bank Holden Mo. Commercial Bank 30.94 21.31 283,274 3.14 47.16
56 Security First National Bank of Hugo Hugo Okla. Commercial Bank 30.76 18.84 137,805 2.65 45.96
57 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 30.47 20.17 259,983 3.18 32.44
58 Peoples State Bank of Velva Velva N.D. Commercial Bank 30.44 16.97 135,753 2.75 47.55
59 Bank Northwest Hamilton Mo. Commercial Bank 30.41 41.13 195,983 2.69 38.53
60 Phelps County Bank Rolla Mo. Commercial Bank 30.37 31.48 484,043 2.21 53.96
61 Sabal Palm Bank Sarasota Fla. Commercial Bank 30.15 9.68 412,177 2.37 48.42
62 Utah Independent Bank Salina Utah Commercial Bank 30.12 25.58 127,124 3.78 37.71
63 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 30.01 32.61 576,522 2.92 43.01
64 Aspire Bank Fargo N.D. Commercial Bank 29.90 23.08 55,029 2.60 48.43
65 Texas Bank Financial Weatherford Tex. Commercial Bank 29.89 36.60 620,486 3.24 51.76
66 The Breda Savings Bank Breda Iowa Commercial Bank 29.80 12.96 74,614 2.96 27.92
67 The First National Bank of Cokato Cokato Minn. Commercial Bank 29.70 17.26 95,790 2.12 49.16
68 First State Bank of Roscoe Roscoe S.D. Commercial Bank 29.58 10.50 131,793 3.21 30.95
69 The Gary State Bank Gary Minn. Commercial Bank 29.52 14.04 17,323 3.58 47.46
70 Continental Bank Salt Lake City Utah Commercial Bank 29.44 7.99 290,053 3.13 51.98
71 Marlin Business Bank Salt Lake City Utah Commercial Bank 29.42 -28.18 918,130 4.96 71.31
72 Ashton State Bank Ashton Neb. Commercial Bank 29.32 -0.58 20,262 2.51 61.97
73 Sterling Bank Barron Wis. Commercial Bank 29.21 24.27 308,013 2.45 46.07
74 The First National Bank in Falfurrias Falfurrias Tex. Commercial Bank 29.18 19.07 91,765 2.49 42.48
75 First Northern Bank of Wyoming Buffalo Wyo. Commercial Bank 29.17 18.37 527,452 2.30 57.26
76 Crockett National Bank San Antonio Tex. Commercial Bank 29.12 21.55 802,246 3.79 65.12
77 Welch State Bank of Welch, Okla. Welch Okla. Commercial Bank 28.95 18.73 312,294 3.12 48.21
Collins State Bank Collins Wis. Commercial Bank 28.95 31.93 126,593 2.67 51.73
79 State Savings Bank Creston Iowa Commercial Bank 28.91 18.99 148,339 2.69 43.61
80 First Community Bank Milton Wis. Commercial Bank 28.90 21.88 130,694 2.88 41.94
81 Douglas National Bank Douglas Ga. Commercial Bank 28.88 26.77 242,319 2.83 45.70
82 Delta Bank Vidalia La. Commercial Bank 28.61 27.10 428,029 2.23 50.54
The Farmers State Bank Quinton Okla. Commercial Bank 28.61 12.49 146,524 2.09 61.05
84 The Riley State Bank of Riley Kansas Riley Kan. Commercial Bank 28.48 9.32 116,328 2.64 40.01
85 United Farmers State Bank Adams Minn. Commercial Bank 28.47 22.85 180,370 3.18 32.75
86 Allied First Bank, SB Oswego Ill. Savings Bank 28.35 25.07 161,870 3.67 93.05
87 Quantum National Bank Suwanee Ga. Commercial Bank 28.04 21.65 614,918 2.82 45.43
88 Citizens Commerce Bank Versailles Ky. Commercial Bank 27.90 8.12 307,706 2.77 41.83
Austin Capital Bank SSB Austin Tex. Savings Bank 27.90 35.15 383,436 1.90 80.15
90 Tolleson Private Bank Dallas Tex. Commercial Bank 27.89 27.72 870,695 2.10 45.25
91 The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 27.88 22.41 107,049 2.97 45.51
92 Security State Bank Sutherland Iowa Commercial Bank 27.85 23.83 275,242 2.86 30.32
93 The First National Bank of Hughes Springs Hughes Springs Tex. Commercial Bank 27.83 23.80 334,034 2.94 47.53
94 Citizens Bank Butler Mo. Commercial Bank 27.61 24.28 190,065 1.94 55.28
95 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 27.48 23.53 135,189 2.79 40.61
96 First State Bank & Trust Company Fremont Neb. Commercial Bank 27.31 20.71 288,086 2.51 51.26
97 Prime Alliance Bank Woods Cross Utah Commercial Bank 27.30 2.88 499,980 3.15 29.39
98 The Tri-County Bank Stuart Neb. Commercial Bank 27.26 20.13 193,603 2.16 48.26
99 First Bank Burkburnett Tex. Commercial Bank 27.19 36.97 576,080 3.07 65.10
100 Oklahoma State Bank Buffalo Okla. Commercial Bank 27.14 24.35 60,941 2.59 53.18
101 Lewisburg Banking Company Lewisburg Ky. Commercial Bank 27.10 15.12 164,507 2.61 48.89
102 Citizens Bank Columbia Miss. Commercial Bank 27.08 13.48 486,567 2.59 47.10
103 Millennium Bank Des Plaines Ill. Commercial Bank 27.03 17.17 259,786 2.85 47.56
104 PromiseOne Bank Duluth Ga. Commercial Bank 26.92 18.98 561,556 3.03 36.49
105 Alliant Bank Madison Mo. Commercial Bank 26.58 11.73 202,124 2.48 55.71
106 Farmers Bank & Trust Company Marion Ky. Commercial Bank 26.53 20.72 470,750 2.69 48.39
107 Riverside Bank Sparkman Ark. Commercial Bank 26.51 30.24 61,518 2.42 52.97
108 State Bank of New Richland New Richland Minn. Commercial Bank 26.49 31.90 109,587 2.74 39.77
109 Partners Bank Helena Ark. Commercial Bank 26.42 6.47 345,006 2.31 50.83
110 Nebraska State Bank Oshkosh Neb. Commercial Bank 26.34 26.47 65,557 3.68 38.14
111 Swedish-American State Bank Courtland Kan. Commercial Bank 26.30 12.83 49,208 3.02 44.25
112 New Frontier Bank Saint Charles Mo. Commercial Bank 26.12 20.60 125,603 2.49 48.04
113 The Commercial Bank Crawford Ga. Commercial Bank 26.09 22.65 359,263 2.08 50.39
114 Texas Heritage National Bank Daingerfield Tex. Commercial Bank 26.06 7.90 287,558 2.55 50.77
115 The First Security Bank Overbrook Kan. Commercial Bank 26.05 16.50 75,307 2.32 53.53
116 Jonah Bank of Wyoming Casper Wyo. Commercial Bank 26.03 19.85 479,689 2.51 51.41
117 INSOUTH Bank Brownsville Tenn. Commercial Bank 25.83 13.49 418,940 2.36 52.85
118 Peoples Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 25.81 9.92 45,684 2.39 50.60
119 The First National Bank at Paris Paris Ark. Commercial Bank 25.75 11.66 230,741 3.16 48.74
First Security Bank Union Star Mo. Commercial Bank 25.75 12.56 44,321 1.88 52.05
121 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 25.67 20.49 644,227 2.08 49.79
122 First State Bank Ida Grove Iowa Commercial Bank 25.63 16.22 182,562 3.08 31.67
123 Community Bank, Lexington, Tennessee Lexington Tenn. Commercial Bank 25.60 20.94 192,502 2.45 50.01
124 Peoples Bank of Moniteau County Jamestown Mo. Commercial Bank 25.57 6.69 68,552 2.27 42.54
125 West Valley National Bank Goodyear Ariz. Commercial Bank 25.56 38.86 116,161 1.85 64.48
126 Woodford State Bank Monroe Wis. Commercial Bank 25.55 25.70 326,545 2.16 60.73
127 McHenry Savings Bank McHenry Ill. Savings Bank 25.44 2.41 267,872 2.24 73.27
128 Home Bank of California San Diego Calif. Commercial Bank 25.43 12.03 205,588 3.17 37.55
129 Citizens State Bank Miles Tex. Commercial Bank 25.37 18.56 192,881 2.28 41.17
130 Farmers State Bank Groesbeck Tex. Commercial Bank 25.07 14.86 165,783 2.18 59.59
131 Texas National Bank Mercedes Tex. Commercial Bank 25.06 20.63 725,369 1.87 57.80
132 CNB Bank Carlsbad N.M. Commercial Bank 25.05 31.92 488,634 2.32 47.86
133 North Valley Bank Thornton Colo. Commercial Bank 25.04 26.85 218,732 2.80 42.87
134 Iowa Savings Bank Carroll Iowa Commercial Bank 25.00 16.15 251,380 2.04 45.72
135 Murphy Bank Fresno Calif. Commercial Bank 24.94 15.53 351,734 2.81 40.40
NewBank Flushing N.Y. Commercial Bank 24.94 11.49 553,278 2.71 40.57
137 Bank of Mauston Mauston Wis. Commercial Bank 24.89 24.40 396,841 2.95 34.45
Texas Heritage Bank Boerne Tex. Commercial Bank 24.89 11.73 198,962 1.91 64.25
139 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 24.88 19.77 94,996 3.47 21.04
Wood & Huston Bank Marshall Mo. Commercial Bank 24.88 19.47 984,328 2.54 46.28
141 New Century Bank Belleville Kan. Commercial Bank 24.82 9.34 59,849 2.84 58.71
142 Greater Community Bank Rome Ga. Commercial Bank 24.79 13.10 305,170 2.41 59.54
Brighton Bank Brighton Tenn. Commercial Bank 24.79 2.33 60,059 1.72 85.47
144 CLB The Community Bank Jonesville La. Commercial Bank 24.77 16.30 242,164 2.28 52.77
145 Coffee County Bank Manchester Tenn. Commercial Bank 24.67 20.47 233,585 2.74 42.95
SouthernTrust Bank Marion Ill. Commercial Bank 24.67 5.33 235,874 2.27 41.46
147 The Peoples Bank Magnolia Ark. Commercial Bank 24.53 14.18 219,170 2.69 49.90
148 Flagler Bank West Palm Beach Fla. Commercial Bank 24.48 31.22 477,463 2.15 38.61
Madison Valley Bank Ennis Mont. Commercial Bank 24.48 25.12 253,236 1.91 55.68
150 The First State Bank Louise Tex. Commercial Bank 24.46 26.41 654,458 2.09 53.15
151 CenBank Buffalo Lake Minn. Commercial Bank 24.38 24.27 79,894 1.77 59.75
152 Oklahoma Heritage Bank Stratford Okla. Commercial Bank 24.37 7.04 94,026 2.43 57.64
State Bank of Southwest Missouri Springfield Mo. Commercial Bank 24.37 44.99 184,971 1.40 63.01
154 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 24.14 22.81 287,988 2.08 47.89
Endeavor Bank San Diego Calif. Commercial Bank 24.14 4.13 463,855 1.38 47.76
156 Prime Security Bank Karlstad Minn. Commercial Bank 24.12 34.96 98,905 2.18 52.40
157 Platte Valley Bank Torrington Wyo. Commercial Bank 24.06 18.39 536,117 2.44 46.69
158 Solera National Bank Lakewood Colo. Commercial Bank 24.03 12.27 531,969 2.27 34.62
159 Peoples Bank & Trust Company Manchester Tenn. Commercial Bank 23.97 9.36 141,501 2.55 42.97
160 Pilot Bank Tampa Fla. Commercial Bank 23.96 17.48 646,358 1.98 42.01
161 Cowboy State Bank Ranchester Wyo. Commercial Bank 23.94 4.58 55,270 2.03 64.20
162 Citizens Savings Bank Marshalltown Iowa Commercial Bank 23.93 19.70 76,745 1.81 52.54
163 Bank of the Rockies White Sulphur Springs Mont. Commercial Bank 23.91 8.54 201,483 2.33 72.94
164 Bank of Hartington Hartington Neb. Commercial Bank 23.82 20.07 119,998 2.11 55.44
165 CS Bank Eureka Springs Ark. Commercial Bank 23.81 23.46 444,977 2.15 51.51
166 Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 23.78 18.26 241,830 2.39 48.18
167 First Heritage Bank Shenandoah Iowa Commercial Bank 23.77 27.30 54,861 2.17 50.23
168 The First National Bank of Eldorado Eldorado Tex. Commercial Bank 23.71 14.65 72,473 3.90 41.54
169 First Community Bank of the Heartland, Inc. Clinton Ky. Commercial Bank 23.66 12.98 343,520 2.35 57.44
Grand Marais State Bank Grand Marais Minn. Commercial Bank 23.66 35.90 127,128 1.59 52.16
171 Bank of Lumber City Lumber City Ga. Commercial Bank 23.64 1.05 25,323 3.65 54.04
Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 23.64 17.63 483,206 1.99 51.63
173 Bank of Salem Salem Ark. Commercial Bank 23.58 20.43 171,796 2.48 47.99
M1 Bank Macks Creek Mo. Commercial Bank 23.58 19.13 577,632 2.07 29.24
175 Exchange State Bank Ames Iowa Commercial Bank 23.57 8.80 136,112 2.12 46.98
Community Bank of Cameron Cameron Wis. Commercial Bank 23.57 21.82 158,834 2.07 50.43
177 HNB National Bank Hannibal Mo. Commercial Bank 23.55 22.71 658,787 2.82 42.12
178 First Iowa State Bank Keosauqua Iowa Commercial Bank 23.54 13.17 153,887 2.35 54.96
179 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 23.49 23.95 268,228 3.15 43.11
The Bippus State Bank Huntington Ind. Commercial Bank 23.49 27.72 245,774 2.50 51.52
181 State Bank of Taunton Taunton Minn. Commercial Bank 23.46 7.24 55,353 2.32 59.04
182 Bank of Western Oklahoma Elk City Okla. Commercial Bank 23.45 22.85 350,382 2.00 52.68
183 Platinum Bank Oakdale Minn. Commercial Bank 23.40 16.48 425,554 1.77 48.76
184 Lamar Bank and Trust Company Lamar Mo. Commercial Bank 23.36 12.08 218,695 2.50 46.49
185 Genesee Regional Bank Rochester N.Y. Commercial Bank 23.31 17.78 824,500 2.50 46.49
186 Decatur County Bank Decaturville Tenn. Commercial Bank 23.28 16.14 195,588 2.01 55.66
187 Wells Bank Platte City Mo. Commercial Bank 23.27 23.31 326,954 1.95 51.11
188 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 23.24 26.40 778,275 1.31 55.54
189 Bank of Grand Lake Grove Okla. Commercial Bank 23.17 16.93 211,645 1.65 63.63
190 Ipava State Bank Ipava Ill. Commercial Bank 23.14 22.84 205,037 1.69 57.91
191 First State Bank Graham Tex. Commercial Bank 22.96 29.04 215,287 2.03 58.43
192 Bank of Newington Newington Ga. Commercial Bank 22.94 15.20 167,742 1.94 53.36
193 Heritage Bank, National Association Spicer Minn. Commercial Bank 22.92 20.51 448,416 2.34 61.67
Heartland State Bank Redfield S.D. Commercial Bank 22.92 17.03 114,035 2.23 51.39
195 Farmers State Bank of Alto Pass, Ill. Harrisburg Ill. Commercial Bank 22.89 16.31 321,047 1.66 68.43
196 Middletown State Bank Middletown Ill. Commercial Bank 22.83 19.44 39,740 2.03 36.31
197 Sound Banking Company Lakewood Wash. Commercial Bank 22.82 18.13 77,866 1.53 53.74
198 State Street Bank and Trust Company Quincy Ill. Commercial Bank 22.81 24.04 283,219 1.94 58.12
199 Auburn Banking Company Auburn Ky. Commercial Bank 22.78 14.53 107,796 1.78 59.22
200 BOM Bank Natchitoches La. Commercial Bank 22.74 4.90 655,404 2.18 58.66
Lead Bank Kansas City Mo. Commercial Bank 22.74 16.78 723,630 1.73 86.71

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. 20, 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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