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Community Banks with the Highest Returns on Average Equity

November 22, 2021, 1:53 p.m. EST 1 Min Read
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Community Banks with the Highest Returns on Average Equity
Return on average equity Total Return on Efficiency
Rank Name City State Type of charter 3Q 2021 3Q 2020 assets average assets ratio
1 Pulaski Savings Bank Chicago Ill. Savings Bank 89.03 2.59 $50,177 7.63 31.65
2 Texas National Bank Mercedes Tex. Commercial Bank 70.76 36.43 727,571 4.53 31.88
3 First NaturalState Bank McGehee Ark. Commercial Bank 70.07 9.24 84,542 7.30 19.42
4 Progressive National Bank Mansfield La. Commercial Bank 68.20 9.67 102,815 5.90 30.62
5 Freedom Bank Freer Tex. Commercial Bank 65.42 3.46 89,055 7.22 26.22
6 Friend Bank Slocomb Ala. Commercial Bank 65.30 18.48 180,779 6.08 28.19
7 United Bank of Philadelphia Philadelphia Pa. Commercial Bank 62.01 271.24 64,199 6.33 48.35
8 Bank of Cherokee County Hulbert Okla. Commercial Bank 60.10 7.38 173,321 5.03 39.78
9 FinWise Bank Murray Utah Commercial Bank 59.22 43.53 330,333 11.29 32.92
10 Farmers State Bank of Alto Pass, Ill. Harrisburg Ill. Commercial Bank 56.85 22.90 293,185 4.38 49.75
11 Millennium Bank Des Plaines Ill. Commercial Bank 55.40 44.59 295,401 5.57 33.67
12 Bank of St. Francisville Saint Francisville La. Commercial Bank 55.12 12.59 209,958 5.65 35.94
13 Central Bank of Kansas City Kansas City Mo. Commercial Bank 52.42 35.41 320,104 6.59 51.35
14 Chappell Hill Bank Chappell Hill Tex. Commercial Bank 50.95 4.83 54,111 3.85 48.69
15 McGehee Bank McGehee Ark. Commercial Bank 50.20 15.54 150,639 7.34 23.76
The First State Bank Abernathy Tex. Commercial Bank 50.20 7.12 56,647 5.77 53.41
17 Brighton Bank Brighton Tenn. Commercial Bank 49.66 64.84 61,015 3.59 82.48
18 Commerce Bank Corinth Miss. Commercial Bank 48.61 9.72 156,177 5.24 36.28
19 Legacy Bank Hinton Okla. Commercial Bank 47.72 5.48 969,079 2.13 37.83
20 Tioga-Franklin Savings Bank Philadelphia Pa. Savings Bank 47.67 8.72 63,151 3.94 37.91
21 NSB Bank Mason City Iowa Commercial Bank 47.34 13.58 449,119 3.45 52.86
22 Bank of Okolona Okolona Miss. Commercial Bank 46.92 7.38 241,799 4.90 36.96
23 Union Bank & Trust Company Monticello Ark. Commercial Bank 46.77 19.44 278,301 4.25 34.35
24 Landmark Bank Clinton La. Commercial Bank 46.06 9.42 163,135 5.07 34.59
25 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 45.35 31.19 335,758 3.78 44.17
26 Commercial Bank & Trust Company Monticello Ark. Commercial Bank 45.15 13.00 254,994 4.44 35.16
27 First Missouri Bank of SEMO Kennett Mo. Commercial Bank 45.11 8.54 205,497 4.22 31.24
28 VisionBank Saint Louis Park Minn. Commercial Bank 45.01 18.85 187,411 3.24 23.48
29 Peoples Bank Mendenhall Miss. Commercial Bank 44.01 34.12 434,488 4.34 55.13
30 CLB The Community Bank Jonesville La. Commercial Bank 43.67 12.17 250,299 4.22 39.08
31 First Bank of the Lake Osage Beach Mo. Commercial Bank 43.02 108.09 791,678 1.36 63.94
32 Caldwell Bank & Trust Company Columbia La. Commercial Bank 42.96 11.10 198,564 4.21 43.53
33 Delta Bank Vidalia La. Commercial Bank 42.86 21.62 433,843 3.57 38.92
34 Bank of Franklin Meadville Miss. Commercial Bank 40.10 6.85 191,303 4.32 34.54
35 Midwest Community Bank Freeport Ill. Commercial Bank 40.03 66.73 352,943 4.75 71.21
36 The Commercial Bank De Kalb Miss. Commercial Bank 40.02 8.28 209,824 3.97 32.97
37 Heartland State Bank Redfield S.D. Commercial Bank 39.48 18.25 111,243 4.03 38.10
38 Heritage Bank & Trust Columbia Tenn. Commercial Bank 39.15 7.06 242,416 3.42 35.43
39 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 38.87 13.86 312,799 3.81 31.60
40 Bank of Montana Missoula Mont. Commercial Bank 38.44 55.80 174,482 3.73 32.05
41 Oxford University Bank Oxford Miss. Commercial Bank 38.38 8.59 208,005 3.93 29.22
42 Winnsboro State Bank & Trust Company Winnsboro La. Commercial Bank 37.97 7.14 264,897 3.90 43.17
43 Bendena State Bank Bendena Kan. Commercial Bank 37.73 16.50 92,931 3.17 33.75
44 Madison Valley Bank Ennis Mont. Commercial Bank 36.87 26.12 274,137 2.78 57.76
45 The Bippus State Bank Huntington Ind. Commercial Bank 35.30 26.11 255,314 3.88 40.75
46 Main Bank Albuquerque N.M. Commercial Bank 34.41 22.42 241,256 2.75 32.74
47 Mechanics Bank Water Valley Miss. Commercial Bank 34.05 9.27 279,041 3.59 35.65
48 Washita State Bank Burns Flat Okla. Commercial Bank 33.70 6.23 53,905 7.25 26.23
49 Bank of Camilla Camilla Ga. Commercial Bank 33.61 3.23 135,618 4.68 26.73
50 The National Bank of Andrews Andrews Tex. Commercial Bank 33.41 21.96 260,208 3.43 54.03
51 Bank of Anguilla Anguilla Miss. Commercial Bank 33.39 14.89 167,715 2.94 39.90
52 Sycamore Bank Senatobia Miss. Commercial Bank 33.36 8.57 308,904 2.74 44.02
53 TrustBank Olney Ill. Commercial Bank 33.33 15.14 295,762 3.41 49.51
54 Westside State Bank Westside Iowa Commercial Bank 33.08 11.61 141,895 2.91 46.30
55 Citizens Progressive Bank Winnsboro La. Commercial Bank 32.55 8.05 209,533 3.45 44.18
56 Willamette Valley Bank Salem Ore. Commercial Bank 32.51 85.50 400,588 5.79 65.64
57 Pioneer Community Bank, Inc. Iaeger W.Va. Commercial Bank 32.26 7.80 145,403 3.98 40.16
58 Crockett National Bank San Antonio Tex. Commercial Bank 32.18 52.76 753,538 4.12 61.82
59 Quantum National Bank Suwanee Ga. Commercial Bank 32.11 27.54 623,139 3.28 44.70
60 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 31.90 46.07 411,249 2.92 44.32
61 Texas Bank Financial Weatherford Tex. Commercial Bank 31.86 33.98 654,739 3.56 49.66
62 Bank of Brookhaven Brookhaven Miss. Commercial Bank 31.84 7.91 217,136 3.37 33.69
63 Charter Bank Corpus Christi Tex. Commercial Bank 31.73 27.18 332,446 3.25 47.00
64 The Jefferson Bank Greenville Miss. Commercial Bank 31.50 5.25 133,824 5.06 27.46
65 First Southern Bank Columbia Miss. Commercial Bank 31.40 12.54 244,087 3.31 44.22
66 First Farmers & Merchants State Bank of Grand Meadow Grand Meadow Minn. Commercial Bank 31.33 -22.44 79,196 2.84 45.20
67 Community First National Bank Manhattan Kan. Commercial Bank 31.28 11.98 290,798 3.28 51.16
68 Bank of Bartlett Bartlett Tenn. Commercial Bank 31.09 12.03 474,365 2.51 56.45
69 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 31.08 20.59 887,932 2.86 55.62
70 Security State Bank Sutherland Iowa Commercial Bank 31.01 21.34 270,706 3.34 27.27
71 Thumb Bank & Trust Pigeon Mich. Commercial Bank 30.90 13.97 376,852 2.52 51.70
72 Firstar Bank Sallisaw Okla. Commercial Bank 30.75 12.16 786,909 3.11 62.23
73 Bryant State Bank Bryant S.D. Commercial Bank 30.67 11.58 41,289 3.81 51.77
74 Riverstone Bank Eagle Neb. Commercial Bank 30.66 2.78 117,366 2.97 38.47
75 Robertson Banking Company Demopolis Ala. Commercial Bank 30.63 12.23 396,474 2.99 42.65
76 Pilot Bank Tampa Fla. Commercial Bank 30.27 13.33 638,348 2.76 38.93
77 Maple Bank Champlin Minn. Commercial Bank 30.19 9.85 100,971 2.94 42.51
78 Embassy National Bank Lawrenceville Ga. Commercial Bank 30.06 8.57 118,078 4.88 47.27
79 Morgantown Bank & Trust Company, Incorporated Morgantown Ky. Commercial Bank 29.98 6.56 254,380 2.39 48.37
80 Pony Express Bank Liberty Mo. Commercial Bank 29.91 12.85 291,838 2.54 45.87
81 Peoples Bank Lebanon Ky. Commercial Bank 29.79 14.95 106,624 2.91 38.91
82 BankVista Sartell Minn. Commercial Bank 29.76 15.23 467,349 2.70 42.51
83 First Northern Bank of Wyoming Buffalo Wyo. Commercial Bank 29.66 24.50 549,984 2.42 55.67
84 The First State Bank Boise City Okla. Commercial Bank 29.48 31.43 100,574 2.49 41.57
85 The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 29.46 23.41 114,728 3.26 42.09
86 Auburn Banking Company Auburn Ky. Commercial Bank 29.41 16.57 106,876 2.35 51.51
87 New Millennium Bank Fort Lee N.J. Commercial Bank 29.36 10.66 530,877 2.63 38.37
88 Noah Bank Elkins Park Pa. Commercial Bank 29.24 -25.94 340,562 2.37 53.46
89 Spring Bank Bronx N.Y. Commercial Bank 29.21 8.39 336,177 2.51 37.17
90 Sterling Bank Barron Wis. Commercial Bank 29.16 23.34 310,572 2.45 45.90
91 Bank of Lake Village Lake Village Ark. Commercial Bank 28.93 6.45 73,404 3.58 18.95
92 Copiah Bank Hazlehurst Miss. Commercial Bank 28.92 6.04 289,604 2.70 45.85
93 Bank of Prague Prague Neb. Commercial Bank 28.69 26.41 34,242 3.74 36.67
94 First Independent Bank Russell Minn. Commercial Bank 28.67 10.31 371,579 2.93 37.06
95 Aspire Bank Fargo N.D. Commercial Bank 28.59 27.80 55,066 2.62 42.92
96 Bank of England England Ark. Commercial Bank 28.50 100.82 585,281 4.72 87.09
97 Platinum Bank Oakdale Minn. Commercial Bank 28.46 23.35 476,750 2.24 49.12
98 Tennessee State Bank Pigeon Forge Tenn. Commercial Bank 28.44 11.04 998,508 2.43 50.70
99 First Bank Burkburnett Tex. Commercial Bank 28.43 35.04 595,946 3.26 67.73
100 Oklahoma State Bank Buffalo Okla. Commercial Bank 28.38 16.08 58,417 2.85 50.59
101 Douglas National Bank Douglas Ga. Commercial Bank 28.35 26.49 255,025 2.78 46.87
102 Community Valley Bank El Centro Calif. Commercial Bank 28.16 13.01 270,619 2.91 30.99
103 Security State Bank of Oklahoma Wewoka Okla. Commercial Bank 28.15 8.99 387,088 3.37 32.47
104 Murphy Bank Fresno Calif. Commercial Bank 27.86 20.09 351,517 3.10 37.14
105 Dundee Bank Omaha Neb. Commercial Bank 27.78 30.79 458,486 2.50 48.28
106 Farmers National Bank of Griggsville Griggsville Ill. Commercial Bank 27.74 15.37 123,971 2.76 47.30
107 State Bank of Lismore Lismore Minn. Commercial Bank 27.73 9.03 62,822 2.84 49.38
108 Cross Keys Bank Saint Joseph La. Commercial Bank 27.71 10.05 477,405 3.29 47.73
109 Bank of Zachary Zachary La. Commercial Bank 27.65 4.23 330,288 2.26 46.85
110 International Bank of Chicago Chicago Ill. Commercial Bank 27.55 3.64 836,562 3.06 34.43
Charter West Bank West Point Neb. Commercial Bank 27.55 50.38 408,778 2.62 72.09
112 Pan American Bank & Trust Melrose Park Ill. Commercial Bank 27.29 6.00 420,679 2.42 51.99
113 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 27.26 28.66 603,334 2.62 42.86
114 Home Bank of California San Diego Calif. Commercial Bank 27.18 18.99 200,860 3.54 34.79
115 Lake Area Bank Lindstrom Minn. Commercial Bank 27.03 32.33 437,729 3.31 67.33
116 Capital Community Bank Provo Utah Commercial Bank 27.02 11.91 522,720 3.47 41.21
117 Sherburne State Bank Becker Minn. Commercial Bank 27.00 32.21 221,694 2.11 46.46
118 Vantage Bank Kent Minn. Commercial Bank 26.80 28.30 57,403 2.10 57.63
119 Tolleson Private Bank Dallas Tex. Commercial Bank 26.74 25.56 832,894 2.19 43.79
120 BOM Bank Natchitoches La. Commercial Bank 26.71 16.56 681,194 2.49 53.00
121 PrinsBank Prinsburg Minn. Commercial Bank 26.58 15.88 169,044 3.93 48.28
122 FirstBank Antlers Okla. Commercial Bank 26.44 17.87 568,814 2.70 56.40
123 Apex Bank Camden Tenn. Commercial Bank 26.35 30.45 947,685 3.69 31.72
124 Prime Alliance Bank Woods Cross Utah Commercial Bank 26.27 -5.99 539,067 3.12 18.19
125 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 26.25 22.17 95,099 3.64 24.10
126 Farmers-Merchants Bank & Trust Company Breaux Bridge La. Commercial Bank 26.22 8.44 404,978 3.10 41.97
127 The First State Bank Louise Tex. Commercial Bank 26.18 28.40 655,331 2.29 51.82
128 The Union Bank of Mena Mena Ark. Commercial Bank 26.17 19.18 340,970 2.63 46.02
129 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 26.12 19.58 659,462 2.10 50.15
130 BancCentral, National Association Alva Okla. Commercial Bank 25.90 9.47 541,804 1.92 72.64
131 People's Bank and Trust Company of Pickett County Byrdstown Tenn. Commercial Bank 25.89 11.75 203,122 2.61 59.24
132 Yampa Valley Bank Steamboat Springs Colo. Commercial Bank 25.73 22.81 488,723 2.22 49.66
133 First Iowa State Bank Keosauqua Iowa Commercial Bank 25.71 9.69 147,453 2.69 52.23
134 Citizens State Bank Miles Tex. Commercial Bank 25.61 27.78 191,326 2.34 43.58
135 Bank of Columbia Columbia Ky. Commercial Bank 25.60 16.90 182,837 2.46 46.94
136 First Chatham Bank Savannah Ga. Commercial Bank 25.58 14.87 542,204 2.16 60.43
137 The Farmers State Bank Quinton Okla. Commercial Bank 25.55 24.67 150,387 1.92 64.41
138 First American National Bank Iuka Miss. Commercial Bank 25.53 6.65 371,592 2.60 58.84
139 Commercial Savings Bank Carroll Iowa Commercial Bank 25.44 15.63 238,396 2.00 40.76
140 First National Bank Oldham S.D. Commercial Bank 25.41 9.18 417,262 3.04 49.34
141 Citizens State Bank Corrigan Tex. Commercial Bank 25.40 13.19 161,897 2.79 43.85
142 Reliance Bank Faribault Minn. Commercial Bank 25.37 7.85 198,824 2.60 47.36
143 PromiseOne Bank Duluth Ga. Commercial Bank 25.29 15.91 569,178 2.97 41.43
144 The Tipton Latham Bank, National Association Tipton Mo. Commercial Bank 25.22 17.29 157,012 2.78 37.09
145 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 25.16 24.52 281,882 3.33 41.07
NewFirst National Bank El Campo Tex. Commercial Bank 25.16 24.68 903,125 2.63 44.91
147 Solera National Bank Lakewood Colo. Commercial Bank 25.11 19.46 551,853 2.55 40.10
148 Incommons Bank, National Association Mexia Tex. Commercial Bank 25.06 13.09 207,211 2.20 54.06
149 SouthernTrust Bank Marion Ill. Commercial Bank 24.96 37.43 214,299 2.44 39.04
150 SouthPoint Bank Birmingham Ala. Commercial Bank 24.95 25.25 672,493 2.30 62.95
151 FMS Bank Fort Morgan Colo. Commercial Bank 24.91 4.86 249,444 2.50 59.03
152 Continental Bank Salt Lake City Utah Commercial Bank 24.79 9.40 229,773 3.06 50.24
First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 24.79 21.50 71,500 2.18 40.19
154 The First National Bank of Waseca Waseca Minn. Commercial Bank 24.74 21.55 182,363 2.06 54.86
155 North Valley Bank Thornton Colo. Commercial Bank 24.73 20.61 226,293 2.74 42.35
156 OneUnited Bank Boston Mass. Commercial Bank 24.58 13.05 634,946 2.10 62.42
157 Citizens Bank Butler Mo. Commercial Bank 24.53 9.59 189,383 1.77 56.91
158 First United Bank and Trust Company, Inc. Madisonville Ky. Commercial Bank 24.42 13.29 465,848 2.42 51.69
159 Logan State Bank Logan Iowa Commercial Bank 24.31 13.51 74,381 1.83 67.81
160 Crown Bank Elizabeth N.J. Commercial Bank 24.28 14.63 567,331 5.23 31.91
161 CNB Bank Carlsbad N.M. Commercial Bank 24.21 24.70 507,823 2.31 48.97
162 First State Bank Clute Tex. Commercial Bank 24.20 16.31 274,134 2.12 52.48
163 Meramec Valley Bank Ellisville Mo. Commercial Bank 24.19 12.66 155,286 1.95 66.29
164 Lincoln State Bank Hankinson N.D. Commercial Bank 24.14 9.04 102,589 2.44 48.59
165 First National Bank of Oklahoma Oklahoma City Okla. Commercial Bank 24.08 22.74 703,641 2.12 46.42
166 The Citizens State Bank Marysville Kan. Commercial Bank 24.07 16.98 385,268 2.45 34.12
167 Fayette Savings Bank, SSB La Grange Tex. Savings Bank 24.03 14.23 305,564 2.12 46.14
168 Genesee Regional Bank Rochester N.Y. Commercial Bank 23.93 23.72 975,069 2.52 46.34
First Missouri State Bank Poplar Bluff Mo. Commercial Bank 23.93 20.55 208,675 2.27 50.06
170 Magnolia State Bank Bay Springs Miss. Commercial Bank 23.81 4.38 416,862 2.05 51.77
171 First Missouri State Bank of Cape County Cape Girardeau Mo. Commercial Bank 23.80 23.48 179,319 2.16 55.16
MRV Banks Sainte Genevieve Mo. Commercial Bank 23.80 17.54 584,037 2.14 33.78
173 Red River State Bank Halstad Minn. Commercial Bank 23.79 17.51 138,407 1.80 47.53
174 Wells Bank Platte City Mo. Commercial Bank 23.77 28.14 336,382 2.00 49.68
175 Waukon State Bank Waukon Iowa Commercial Bank 23.74 14.20 367,474 2.48 39.38
Metropolitan Capital Bank & Trust Chicago Ill. Commercial Bank 23.74 -9.04 267,575 2.00 60.15
177 Security Bank Tulsa Okla. Commercial Bank 23.62 15.42 764,913 2.33 34.54
178 Flint Community Bank Albany Ga. Commercial Bank 23.47 26.18 302,898 1.86 54.00
179 Security Bank and Trust Company Paris Tenn. Commercial Bank 23.40 16.60 786,632 2.35 39.69
180 The Valley State Bank Syracuse Kan. Commercial Bank 23.36 19.28 184,945 2.26 54.72
181 Coffee County Bank Manchester Tenn. Commercial Bank 23.24 21.48 247,945 2.56 47.34
182 Evolve Bank & Trust Memphis Tenn. Commercial Bank 23.16 39.73 628,521 2.08 83.12
183 Brighton Bank Salt Lake City Utah Commercial Bank 23.13 20.43 308,262 2.34 48.29
184 Security Bank New Auburn Wis. Commercial Bank 23.07 13.51 151,493 2.78 34.22
185 The Dart Bank Mason Mich. Commercial Bank 23.02 24.32 697,659 2.17 63.82
186 Midwest Bank Detroit Lakes Minn. Commercial Bank 23.01 23.05 655,448 1.93 46.63
187 Capitol National Bank Lansing Mich. Commercial Bank 22.99 9.20 224,869 1.82 51.11
188 RiverBank Spokane Wash. Commercial Bank 22.95 4.62 197,440 1.86 73.38
Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 22.95 25.05 757,924 1.30 56.42
190 State Street Bank and Trust Company Quincy Ill. Commercial Bank 22.93 18.70 289,517 2.04 57.43
191 BNA Bank New Albany Miss. Commercial Bank 22.89 11.84 671,785 2.64 32.99
192 Premier Bank Rock Valley Iowa Commercial Bank 22.85 15.04 548,839 2.98 31.37
193 M1 Bank Clayton Mo. Commercial Bank 22.83 19.05 579,099 1.99 28.66
194 Foresight Bank Plainview Minn. Commercial Bank 22.76 13.43 308,996 2.37 44.39
195 First IC Bank Doraville Ga. Commercial Bank 22.71 11.50 913,550 2.37 44.10
196 FortuneBank Arnold Mo. Commercial Bank 22.64 19.00 249,230 1.96 62.86
197 North American Banking Company Roseville Minn. Commercial Bank 22.63 19.07 915,761 1.51 53.54
198 The State Exchange Bank Lamont Okla. Commercial Bank 22.62 13.76 80,624 2.66 42.09
State Bank of Fairmont Fairmont Minn. Commercial Bank 22.62 11.80 128,084 2.39 39.79
200 The First National Bank at Paris Paris Ark. Commercial Bank 22.59 13.69 234,717 2.93 50.52

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

© 2021 American Banker

Source:

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

Community banking