Community Banks with the Highest Returns on Average Equity (Mar. 31, 2020)

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Community Banks with the Highest Returns on Average Equity
Rank Name City State Type of charter Return on average equity
'1Q 2020
Return on average equity
'1Q 2019
Total
assets
Return on
average assets
Efficiency
ratio
1 NBKC Bank Kansas City Mo. Commercial Bank 66.77 35.58 $933,981 9.16 65.25
2 Town and Country Bank Midwest Quincy Ill. Commercial Bank 55.37 21.73 179,007 6.65 24.78
3 Citizens State Bank of La Crosse La Crosse Wis. Commercial Bank 35.12 31.75 345,035 2.98 41.88
4 Farmers and Merchants Bank Maysville Okla. Commercial Bank 32.82 27.85 20,567 2.72 53.21
5 City National Bank of Colorado City Colorado City Tex. Commercial Bank 32.24 0.14 149,199 2.61 61.60
6 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 31.64 32.69 453,525 3.42 44.20
7 Lake Central Bank Annandale Minn. Commercial Bank 31.51 18.55 157,746 4.44 42.22
8 HNB National Bank Hannibal Mo. Commercial Bank 30.77 17.51 521,367 4.01 37.34
9 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 30.60 29.76 399,461 2.43 47.92
10 Points West Community Bank Windsor Colo. Commercial Bank 30.12 24.22 681,370 2.12 52.77
11 Community Bank of Raymore Raymore Mo. Commercial Bank 29.90 47.86 290,741 2.50 48.86
12 Central Bank of Kansas City Kansas City Mo. Commercial Bank 29.41 20.51 231,238 4.38 55.85
13 Oklahoma State Bank Buffalo Okla. Commercial Bank 28.28 27.15 55,420 2.85 50.59
14 Charter Bank Corpus Christi Tex. Commercial Bank 28.19 33.77 283,761 3.22 48.30
15 First Bank of Berne Berne Ind. Commercial Bank 27.54 21.19 740,707 2.91 43.38
16 FinWise Bank Murray Utah Commercial Bank 27.52 41.33 177,320 4.59 42.97
17 First State Bank Boise City Okla. Commercial Bank 27.34 25.15 83,769 2.30 46.98
18 CNB Bank Carlsbad N.M. Commercial Bank 27.19 26.08 462,619 2.41 47.90
19 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 27.08 24.49 42,262 2.82 44.98
20 FBT Bank & Mortgage Fordyce Ark. Commercial Bank 26.98 5.38 175,169 2.94 53.87
21 Noah Bank Elkins Park Pa. Commercial Bank 26.69 1.42 383,500 2.33 157.89
22 Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 26.57 14.71 202,237 2.56 47.52
23 Garrett State Bank Garrett Ind. Commercial Bank 26.16 15.56 277,147 2.84 40.73
24 Allied First Bank,sb Oswego Ill. Savings Bank 25.85 9.66 109,138 3.27 94.41
25 Bank of Montana Missoula Mont. Commercial Bank 25.83 18.11 120,284 2.94 45.27
26 Citizens Bank & Trust Co. Hutchinson Minn. Commercial Bank 25.76 18.54 223,151 2.28 52.84
27 First Bethany Bank & Trust Bethany Okla. Commercial Bank 25.68 11.81 226,676 2.54 66.20
28 Peoples Bank Paris Tex. Commercial Bank 25.53 12.26 147,740 2.55 58.54
29 Brunswick State Bank Brunswick Neb. Commercial Bank 25.44 16.12 134,390 2.09 43.23
Willamette Valley Bank Salem Ore. Commercial Bank 25.44 23.65 307,512 3.62 74.29
31 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 25.32 27.19 295,845 2.01 59.29
32 Hill-Dodge Banking Company Warsaw Ill. Commercial Bank 25.30 9.94 39,066 3.95 36.53
33 Brannen Bank Inverness Fla. Commercial Bank 25.24 33.98 574,563 1.65 57.59
34 First State Bank Louise Tex. Commercial Bank 25.21 23.52 518,768 2.38 52.12
35 First National Bank of Anson Anson Tex. Commercial Bank 25.20 23.47 67,158 2.19 57.61
36 Neighbors Bank Clarence Mo. Commercial Bank 25.16 -2.86 40,579 3.43 85.12
37 Security State Bank Farwell Tex. Commercial Bank 25.14 27.82 160,220 3.01 31.54
38 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 24.78 27.58 88,581 2.06 55.08
39 Texas Bank Financial Weatherford Tex. Commercial Bank 24.48 23.80 447,706 2.48 59.46
40 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 24.33 25.63 232,355 2.39 42.85
41 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 24.31 23.91 333,319 2.45 52.33
42 Bank of Old Monroe Old Monroe Mo. Commercial Bank 24.02 14.27 412,276 3.72 46.68
43 Twin River Bank Lewiston Idaho Commercial Bank 23.95 19.68 102,385 2.17 54.67
44 Security First National Bank of Hugo Hugo Okla. Commercial Bank 23.72 27.35 121,328 2.00 54.32
45 Cedar Valley Bank & Trust La Porte City Iowa Commercial Bank 23.65 11.16 71,638 2.06 60.41
46 Bank Northwest Hamilton Mo. Commercial Bank 23.57 25.77 162,947 2.19 47.37
47 Adrian Bank Adrian Mo. Commercial Bank 23.53 24.86 144,931 2.84 38.63
48 First National Bank of Central Texas Waco Tex. Commercial Bank 23.41 24.38 888,987 2.34 47.61
49 North American Banking Company Roseville Minn. Commercial Bank 23.25 22.43 673,234 2.01 48.09
50 State Bank of New Richland New Richland Minn. Commercial Bank 23.23 23.59 113,867 2.17 40.82
51 Charlotte State Bank & Trust Port Charlotte Fla. Commercial Bank 23.05 24.24 407,359 2.38 59.29
52 Nebraska State Bank Oshkosh Neb. Commercial Bank 22.99 22.82 51,807 4.02 38.22
53 Morris County National Bank Naples Tex. Commercial Bank 22.87 -21.25 88,496 2.58 59.87
54 Sherburne State Bank Becker Minn. Commercial Bank 22.45 15.99 135,496 1.87 52.16
55 Jefferson Bank Greenville Miss. Commercial Bank 22.44 27.93 129,972 4.13 33.94
56 Citizens State Bank Miles Tex. Commercial Bank 22.34 27.28 158,203 2.17 46.12
57 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 22.30 20.02 232,323 3.09 45.96
58 North Valley Bank Thornton Colo. Commercial Bank 22.20 23.36 177,290 2.69 48.11
59 Community Bank Bristow Okla. Commercial Bank 22.16 24.69 89,456 1.90 55.78
60 Phelps County Bank Rolla Mo. Commercial Bank 22.15 21.63 378,464 1.85 61.47
61 Main Bank Albuquerque N.M. Commercial Bank 22.06 22.31 181,789 1.93 46.67
62 Community Bank Longview Tex. Commercial Bank 21.99 23.32 215,981 2.56 40.74
63 First Missouri State Bank Poplar Bluff Mo. Commercial Bank 21.97 11.88 182,347 2.04 51.64
64 Grant County State Bank Swayzee Ind. Commercial Bank 21.96 20.56 201,509 2.63 31.50
65 Dakota Community Bank & Trust, National Association Hebron N.D. Commercial Bank 21.78 19.54 842,062 1.88 57.86
FirstBank Antlers Okla. Commercial Bank 21.78 17.91 481,165 1.79 66.62
67 Riverside Bank Sparkman Ark. Commercial Bank 21.75 28.26 60,404 2.03 57.51
68 Eagle Community Bank Maple Grove Minn. Commercial Bank 21.72 6.34 27,493 1.85 69.75
69 Tolleson Private Bank Dallas Tex. Commercial Bank 21.64 25.43 560,828 1.98 50.90
70 Wyoming Bank & Trust Cheyenne Wyo. Commercial Bank 21.51 18.83 206,077 2.52 81.65
71 First Community Bank of Tennessee Shelbyville Tenn. Commercial Bank 21.42 0.45 632,050 2.56 74.74
72 Magnolia Bank Magnolia Ky. Commercial Bank 21.40 10.31 340,276 2.17 90.55
73 Tejas Bank Monahans Tex. Commercial Bank 21.28 27.14 195,093 2.45 43.14
74 Coleman County State Bank Coleman Tex. Commercial Bank 21.22 17.87 128,139 2.08 63.17
75 Wells Bank Platte City Mo. Commercial Bank 21.21 24.58 244,238 2.06 50.48
76 Englewood Bank & Trust Englewood Fla. Commercial Bank 21.14 24.20 332,639 2.06 57.05
77 State Bank of Toledo Toledo Iowa Commercial Bank 21.00 16.85 115,481 1.96 58.28
78 Bank of Glen Ullin Glen Ullin N.D. Commercial Bank 20.96 16.73 59,789 2.50 29.96
79 Commercial Bank Crawford Ga. Commercial Bank 20.95 23.84 253,347 1.91 52.97
80 Farmers State Bank Quinton Okla. Commercial Bank 20.88 9.05 115,250 1.61 73.77
81 Bank of Lake Mills Lake Mills Wis. Commercial Bank 20.76 11.15 248,728 2.55 51.21
82 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 20.70 22.38 641,427 2.26 56.16
83 Bank7 Oklahoma City Okla. Commercial Bank 20.64 23.32 973,402 2.31 37.18
84 Western State Bank Garden City Kan. Commercial Bank 20.54 14.50 480,419 2.59 49.03
85 Bank of Hemet Riverside Calif. Commercial Bank 20.52 25.20 680,411 2.44 43.85
86 Central National Bank Waco Tex. Commercial Bank 20.45 21.11 962,471 1.92 47.82
87 Merchants and Planters Bank Raymond Miss. Commercial Bank 20.42 25.19 100,185 2.18 57.52
88 First National Bank & Trust of Elk City Elk City Okla. Commercial Bank 20.38 16.15 301,668 2.44 49.48
89 Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 20.37 17.97 876,519 2.18 52.32
90 Produce State Bank Hollandale Minn. Commercial Bank 20.36 18.20 95,165 1.49 59.30
91 Lowry State Bank Lowry Minn. Commercial Bank 20.31 20.89 55,556 1.75 62.49
92 Citizens Bank Butler Mo. Commercial Bank 20.29 20.55 160,814 1.75 58.96
ESB Bank Caledonia Minn. Commercial Bank 20.29 14.41 115,149 2.12 48.12
94 Citizens Bank of Edina Edina Mo. Commercial Bank 20.28 18.59 71,328 2.55 33.99
First Century Bank Tazewell Tenn. Commercial Bank 20.28 14.85 421,847 1.90 46.74
St. Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 20.28 17.72 97,988 2.12 38.80
97 Ultima Bank Minnesota Winger Minn. Commercial Bank 20.20 23.59 190,135 2.06 59.03
98 Citizens State Bank Marysville Kan. Commercial Bank 20.14 22.76 361,745 2.13 37.24
99 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 20.13 26.14 96,902 2.34 34.91
State Bank of Texas Dallas Tex. Commercial Bank 20.13 27.06 918,137 3.25 29.49
101 Community First Bank Butler Mo. Commercial Bank 20.06 19.82 178,473 1.82 49.37
102 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 20.04 21.65 481,588 1.53 56.38
103 Midwest Community Bank Freeport Ill. Commercial Bank 19.99 5.99 296,600 2.21 79.91
104 Sound Banking Company Lakewood Wash. Commercial Bank 19.94 29.09 58,402 1.94 58.02
105 Bank of Prague Prague Neb. Commercial Bank 19.90 18.94 29,860 2.84 47.77
106 Jonesburg State Bank Jonesburg Mo. Commercial Bank 19.87 22.57 102,696 1.69 60.68
107 Bank of Columbia Columbia Ky. Commercial Bank 19.82 18.04 148,894 2.07 56.46
108 First State Bank Scottsbluff Neb. Commercial Bank 19.73 19.42 300,095 1.94 54.17
109 Southwest Bank Odessa Tex. Commercial Bank 19.69 20.04 459,829 1.67 64.44
110 Harvest Bank Kimball Minn. Commercial Bank 19.68 14.90 158,930 1.84 55.59
111 Middletown State Bank Middletown Ill. Commercial Bank 19.67 19.09 38,501 1.80 40.50
112 Bank of Protection Protection Kan. Commercial Bank 19.63 8.62 68,204 3.08 38.10
113 Security State Bank Sutherland Iowa Commercial Bank 19.62 22.73 231,867 2.10 43.10
114 Bank of Mauston Mauston Wis. Commercial Bank 19.60 20.56 303,020 2.64 38.96
State Savings Bank Creston Iowa Commercial Bank 19.60 19.58 129,327 1.90 49.21
116 Crossroads Bank Yoakum Tex. Commercial Bank 19.57 19.56 224,023 2.19 47.17
First Bank of Owasso Owasso Okla. Commercial Bank 19.57 21.41 442,737 2.19 46.51
118 Bank of Cordell Cordell Okla. Commercial Bank 19.53 30.68 38,614 2.22 58.63
Coffee County Bank Manchester Tenn. Commercial Bank 19.53 19.95 202,699 2.34 48.88
120 Cowboy Bank of Texas Maypearl Tex. Commercial Bank 19.52 21.14 92,155 2.13 56.13
121 First National Bank of Lindsay Lindsay Okla. Commercial Bank 19.40 17.08 68,820 2.27 44.14
First State Bank Gothenburg Neb. Commercial Bank 19.40 12.70 602,858 2.37 37.76
123 Peoples State Bank Cherryvale Kan. Commercial Bank 19.39 9.39 17,301 5.28 32.74
124 Freedom Bank Huntingburg Ind. Commercial Bank 19.38 20.13 456,122 2.06 43.19
125 Grundy Bank Morris Ill. Commercial Bank 19.30 21.82 255,153 2.18 54.79
126 Kirkpatrick Bank Edmond Okla. Commercial Bank 19.27 16.21 821,576 2.25 51.80
127 Eagle Bank Polson Mont. Commercial Bank 19.24 11.84 72,737 2.35 54.58
128 Central Bank and Trust Lander Wyo. Commercial Bank 19.16 12.21 155,059 1.91 56.82
129 F & C Bank Holden Mo. Commercial Bank 19.15 20.27 238,203 2.04 58.13
130 Union Bank of Mena Mena Ark. Commercial Bank 19.11 18.91 273,687 2.07 56.20
131 AmeriState Bank Atoka Okla. Commercial Bank 19.10 10.74 290,687 1.70 66.75
Home Bank and Trust Company Eureka Kan. Commercial Bank 19.10 15.32 116,281 1.43 68.78
133 First Bank & Trust Company Perry Okla. Commercial Bank 19.09 13.51 209,450 2.16 63.29
134 Intracoastal Bank Palm Coast Fla. Commercial Bank 18.96 20.05 360,536 1.74 49.86
135 Bank of Kilmichael Kilmichael Miss. Commercial Bank 18.95 19.25 198,422 1.80 56.84
136 Idabel National Bank Idabel Okla. Commercial Bank 18.91 22.44 132,025 1.88 52.20
137 Pine Island Bank Pine Island Minn. Commercial Bank 18.89 22.04 108,090 2.07 46.17
138 Goodfield State Bank Goodfield Ill. Commercial Bank 18.88 13.88 140,006 2.42 51.24
139 James Polk Stone Community Bank Portales N.M. Commercial Bank 18.86 13.56 235,848 2.11 60.72
140 First State Bank Wrens Ga. Commercial Bank 18.85 16.34 165,166 1.64 59.43
141 Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 18.79 20.02 540,949 2.46 34.79
142 Bank of Hydro Hydro Okla. Commercial Bank 18.78 24.44 126,329 2.19 52.60
143 Gunnison Bank and Trust Company Gunnison Colo. Commercial Bank 18.75 15.64 116,883 1.87 58.40
144 Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 18.66 20.93 289,001 2.47 48.24
145 Welcome State Bank Welcome Minn. Commercial Bank 18.65 23.24 31,168 2.07 56.79
146 MRV Banks Sainte Genevieve Mo. Commercial Bank 18.64 17.46 435,236 1.58 41.89
147 Commercial Bank Mason Tex. Commercial Bank 18.60 15.73 57,124 1.65 55.60
148 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 18.59 17.32 81,812 2.25 55.95
149 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 18.57 9.17 111,724 2.07 42.85
150 First Colony Bank of Florida Maitland Fla. Commercial Bank 18.54 20.13 222,770 1.84 46.85
151 First Security Bank Beaver Okla. Commercial Bank 18.49 26.79 117,856 1.85 45.35
152 Citizens First National Bank Storm Lake Iowa Commercial Bank 18.47 17.64 209,266 2.14 47.78
Grand Marais State Bank Grand Marais Minn. Commercial Bank 18.47 18.82 87,763 1.49 59.47
154 First Bank Kansas Salina Kan. Commercial Bank 18.46 18.98 449,331 1.81 65.50
155 County Bank Sigourney Iowa Commercial Bank 18.44 13.88 176,281 1.95 60.49
156 First State Bank Clute Tex. Commercial Bank 18.42 19.29 211,522 1.80 61.87
157 Peoples Bank Mendenhall Miss. Commercial Bank 18.41 25.50 312,516 1.90 68.74
158 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 18.38 22.75 177,618 2.13 48.58
159 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 18.36 16.73 226,333 1.96 55.46
160 Security State Bank of Marine Marine On Saint Croix Minn. Commercial Bank 18.34 21.34 144,363 2.00 50.50
161 Northwestern Bank Chippewa Falls Wis. Commercial Bank 18.32 18.77 447,326 2.24 45.94
162 KodaBank Drayton N.D. Commercial Bank 18.31 21.05 282,326 1.85 55.37
163 Lamar Bank and Trust Company Lamar Mo. Commercial Bank 18.30 16.16 170,018 1.97 52.98
164 Bank of Perry County Lobelville Tenn. Commercial Bank 18.28 17.84 174,108 1.69 57.66
State Bank of De Kalb De Kalb Tex. Commercial Bank 18.28 17.16 297,674 1.82 59.70
166 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 18.25 23.31 302,284 1.57 54.91
167 Roundbank Waseca Minn. Commercial Bank 18.22 18.11 333,349 2.17 68.62
168 CBBC Bank Maryville Tenn. Commercial Bank 18.21 6.36 360,516 2.95 39.51
Union Bank & Trust Company Livingston Tenn. Commercial Bank 18.21 17.74 88,778 2.25 56.69
170 Adrian State Bank Adrian Minn. Commercial Bank 18.20 19.63 52,998 1.72 52.85
171 Flatwater Bank Gothenburg Neb. Commercial Bank 18.19 13.51 216,650 2.20 56.78
NSB Bank Mason City Iowa Commercial Bank 18.19 18.61 220,428 2.02 46.64
173 Bank of Commerce Chanute Kan. Commercial Bank 18.12 9.48 326,893 1.36 45.74
174 Charlevoix State Bank Charlevoix Mich. Commercial Bank 18.09 19.30 195,768 1.69 62.30
First State Bank Elmore City Okla. Commercial Bank 18.09 21.55 16,266 2.48 91.06
176 Flagler Bank West Palm Beach Fla. Commercial Bank 18.06 18.28 339,314 1.76 51.86
177 First State Bank Ida Grove Iowa Commercial Bank 18.04 17.80 167,685 2.15 40.64
178 Regional Missouri Bank Marceline Mo. Commercial Bank 17.98 17.84 380,969 2.13 49.40
179 Colorado Bank and Trust Company of La Junta La Junta Colo. Commercial Bank 17.95 18.64 150,532 1.87 59.09
First National Bank of Las Animas Las Animas Colo. Commercial Bank 17.95 20.81 395,750 2.39 48.85
181 Surety Bank Deland Fla. Commercial Bank 17.93 11.44 137,117 1.96 66.10
182 SunMark Community Bank Hawkinsville Ga. Commercial Bank 17.92 11.70 289,608 2.04 64.38
183 Apex Bank Camden Tenn. Commercial Bank 17.90 31.80 598,481 2.80 47.02
RiverHills Bank Milford Ohio Commercial Bank 17.90 12.74 201,249 1.37 70.93
South Georgia Bank Glennville Ga. Commercial Bank 17.90 19.74 163,677 2.23 53.78
186 Citizens Bank Amarillo Tex. Commercial Bank 17.89 20.88 190,781 1.76 50.49
Citizens Bank, National Association Abilene Tex. Commercial Bank 17.89 13.18 104,998 2.43 57.01
Woodford State Bank Monroe Wis. Commercial Bank 17.89 19.22 256,172 1.68 58.19
189 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 17.85 24.28 551,427 1.54 55.57
190 Bank of Deerfield Deerfield Wis. Commercial Bank 17.84 12.69 159,878 2.16 54.72
191 Tennessee State Bank Pigeon Forge Tenn. Commercial Bank 17.81 8.15 673,022 2.02 69.50
192 State Street Bank and Trust Company Quincy Ill. Commercial Bank 17.80 14.54 234,838 1.67 63.20
193 Bank of Western Oklahoma Elk City Okla. Commercial Bank 17.79 22.23 311,552 1.52 63.05
194 Bank of Kaukauna Kaukauna Wis. Commercial Bank 17.78 7.67 99,383 1.69 77.90
Premier Bank Rock Valley Iowa Commercial Bank 17.78 18.18 579,278 2.11 34.85
196 Freedom Bank Saint Petersburg Fla. Commercial Bank 17.77 12.39 338,918 1.61 59.32
197 Grandview Bank Grandview Tex. Commercial Bank 17.76 18.09 266,664 1.70 50.85
198 Quail Creek Bank, National Association Oklahoma City Okla. Commercial Bank 17.73 19.92 707,917 1.74 49.62
199 First National Bank of Albany Albany Tex. Commercial Bank 17.68 20.90 548,038 2.20 39.03
200 Mid America Bank Jefferson City Mo. Commercial Bank 17.62 14.94 521,477 1.88 49.46
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 29, 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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