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Community Banks with the Highest Returns on Average Equity

November 21, 2022, 3:48 p.m. EST 1 Min Read
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Source: S&P Global

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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 2022 3Q 2021 assets ($000) average assets ratio
1 Cecil Bank Elkton Md. Commercial Bank 170.61 -30.84 $242,512 16.08 71.70
2 Central Bank of Kansas City Kansas City Mo. Commercial Bank 141.14 52.42 364,085 18.36 19.16
3 Enterprise Bank of South Carolina Ehrhardt S.C. Commercial Bank 139.42 14.33 443,566 1.44 60.99
4 Tampa State Bank Tampa Kan. Commercial Bank 125.00 -5.28 66,999 0.26 85.32
5 The Farmers State Bank Quinton Okla. Commercial Bank 98.64 25.55 168,536 1.53 68.84
6 The Bank of Old Monroe Old Monroe Mo. Commercial Bank 83.55 16.84 588,625 2.00 43.53
7 The Bank of Edison Edison Ga. Commercial Bank 76.27 57.63 70,734 2.34 65.76
8 Charter Bank Corpus Christi Tex. Commercial Bank 72.82 31.73 305,473 3.22 43.58
9 Wilson & Muir Bank & Trust Company Bardstown Ky. Commercial Bank 71.64 26.12 673,820 2.05 49.79
10 Bank of Dade Trenton Ga. Commercial Bank 64.70 17.51 141,743 1.94 51.56
11 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 63.09 21.38 546,005 2.06 51.33
12 Security Bank of the Ozarks Eminence Mo. Commercial Bank 62.55 11.37 141,627 3.27 46.88
13 Farmers and Merchants State Bank of Pierz Pierz Minn. Commercial Bank 61.52 18.92 311,207 1.90 48.56
14 Peoples Bank & Trust Pana Ill. Commercial Bank 60.08 19.39 587,849 3.89 32.95
15 Peoples Bank & Trust Company of Hazard Hazard Ky. Commercial Bank 60.06 -11.87 288,802 1.08 75.33
16 The Citizens National Bank of Somerset Somerset Ky. Commercial Bank 58.08 10.53 606,726 1.57 56.91
17 The Commercial Bank of Ozark Ozark Ala. Commercial Bank 57.00 14.46 110,832 0.61 76.66
18 Brighton Bank Salt Lake City Utah Commercial Bank 53.44 23.13 309,559 3.99 37.52
19 Community State Bank Union Grove Wis. Commercial Bank 51.65 17.69 627,226 1.38 63.35
20 Bank of Wolcott Wolcott Ind. Commercial Bank 50.97 13.30 224,447 3.31 34.55
21 The First National Bank of Cokato Cokato Minn. Commercial Bank 49.08 32.27 116,841 1.43 55.64
22 The Commercial Bank Crawford Ga. Commercial Bank 48.98 22.25 402,534 2.50 47.37
23 Riverside Bank Sparkman Ark. Commercial Bank 48.11 22.55 64,078 4.35 39.94
24 Commercial National Bank of Texarkana Texarkana Tex. Commercial Bank 46.91 21.31 300,032 1.89 54.73
25 Interstate Bank Perryton Tex. Commercial Bank 46.38 15.60 244,927 1.78 50.98
26 Paradise Bank Boca Raton Fla. Commercial Bank 44.57 20.48 364,561 3.25 45.33
27 First Northern Bank of Wyoming Buffalo Wyo. Commercial Bank 43.80 29.66 579,556 2.15 64.19
28 Farmers State Bank Elmwood Ill. Commercial Bank 42.48 0.29 63,020 0.32 88.09
29 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 42.40 27.26 593,478 3.10 39.43
30 Intracoastal Bank Palm Coast Fla. Commercial Bank 41.30 18.12 511,541 2.01 47.27
31 Crossroads Bank Yoakum Tex. Commercial Bank 41.07 16.59 315,357 2.02 47.83
32 The American National Bank of Mount Pleasant Mount Pleasant Tex. Commercial Bank 40.38 11.23 125,779 1.46 60.74
33 The Old Fort Banking Company Old Fort Ohio Commercial Bank 40.32 20.06 786,940 1.48 55.43
34 First United Bank Park River N.D. Commercial Bank 40.24 22.40 668,303 2.23 59.98
35 Fannin Bank Bonham Tex. Commercial Bank 39.99 11.01 140,931 1.01 71.89
36 Farmers Bank Ault Colo. Commercial Bank 39.44 13.35 304,456 1.92 46.06
37 The Bank of Herrin Herrin Ill. Commercial Bank 39.31 17.36 285,552 1.24 61.48
38 Bank of Prague Prague Neb. Commercial Bank 39.17 28.69 40,303 4.02 36.99
39 Solera National Bank Lakewood Colo. Commercial Bank 38.93 25.11 946,897 2.22 30.01
40 Neighborhood National Bank Mora Minn. Commercial Bank 38.77 12.06 301,415 1.24 64.13
41 Commercial Bank & Trust Company Monticello Ark. Commercial Bank 38.67 45.15 247,341 1.50 57.74
42 The Breda Savings Bank Breda Iowa Commercial Bank 38.22 14.51 85,650 1.75 43.77
43 Phelps County Bank Rolla Mo. Commercial Bank 38.20 25.60 498,320 1.86 57.06
44 First National Bank of Benton Benton La. Commercial Bank 37.80 5.50 81,505 6.21 55.77
45 Douglas National Bank Douglas Ga. Commercial Bank 37.68 28.35 249,617 3.09 42.72
46 The Bennington State Bank Salina Kan. Commercial Bank 37.65 17.55 972,403 2.91 31.83
47 HomePride Bank Mansfield Mo. Commercial Bank 37.57 9.59 124,641 2.93 48.87
48 Farmers and Merchants Bank Maysville Okla. Commercial Bank 37.20 19.34 23,930 2.48 54.33
49 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 36.55 31.90 535,352 3.13 39.43
50 Piggott State Bank Piggott Ark. Commercial Bank 36.33 14.90 114,193 1.20 62.68
51 Carson Community Bank Stilwell Okla. Commercial Bank 36.04 26.54 160,001 1.84 61.48
52 First Bethany Bank & Trust Bethany Okla. Commercial Bank 35.91 8.85 284,217 1.03 64.09
53 The First State Bank Louise Tex. Commercial Bank 35.67 26.18 814,479 1.99 55.13
54 The First State Bank Boise City Okla. Commercial Bank 35.61 29.48 104,414 2.45 42.15
55 The Farmers & Merchants Bank Berlin Wis. Commercial Bank 35.43 15.54 653,109 2.29 32.96
56 Bloomsdale Bank Bloomsdale Mo. Commercial Bank 35.41 21.53 308,365 1.76 46.85
57 Citizens Bank and Trust Company Marks Miss. Commercial Bank 35.02 2.14 121,498 2.91 54.19
58 Auburn Banking Company Auburn Ky. Commercial Bank 34.46 29.41 113,339 1.99 53.89
59 First National Bank of Hugo Hugo Colo. Commercial Bank 33.76 9.78 149,786 2.41 20.28
60 Tejas Bank Monahans Tex. Commercial Bank 33.75 14.21 210,859 2.60 38.81
61 VisionBank Saint Louis Park Minn. Commercial Bank 33.69 45.01 198,406 2.99 30.09
62 The Bank of Elk River Elk River Minn. Commercial Bank 33.18 14.46 628,466 1.09 68.72
63 HomeTown Bank Redwood Falls Minn. Commercial Bank 33.06 15.50 525,749 1.82 48.27
64 Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth Kan. Commercial Bank 33.01 14.71 246,301 1.17 64.53
65 The Union Bank of Mena Mena Ark. Commercial Bank 32.97 26.17 342,537 2.48 46.75
66 First Iowa State Bank Albia Iowa Commercial Bank 32.79 19.66 183,758 1.98 48.31
67 The Sacramento Deposit Bank Sacramento Ky. Commercial Bank 32.18 15.37 132,326 2.04 51.34
68 HNB National Bank Hannibal Mo. Commercial Bank 32.17 22.04 649,861 3.00 41.02
69 Lincoln State Bank Hankinson N.D. Commercial Bank 32.05 24.14 107,686 1.03 62.91
70 Manhattan Bank Manhattan Mont. Commercial Bank 31.96 15.75 266,815 1.48 55.34
71 American Bank Bozeman Mont. Commercial Bank 31.92 14.66 669,319 1.59 57.74
72 The Citizens State Bank of Cheney, Kansas Cheney Kan. Commercial Bank 31.86 16.79 80,454 1.83 49.91
73 M1 Bank Clayton Mo. Commercial Bank 31.82 22.83 763,950 2.72 24.33
74 First National Bank of Las Animas Las Animas Colo. Commercial Bank 31.69 19.94 562,114 2.07 44.28
75 Quantum National Bank Suwanee Ga. Commercial Bank 31.61 32.11 659,432 3.21 39.65
76 Tolleson Private Bank Dallas Tex. Commercial Bank 31.60 26.74 816,754 2.57 41.00
77 Western Commerce Bank Carlsbad N.M. Commercial Bank 31.34 20.64 673,693 2.27 44.81
78 First Bank & Trust Company Perry Okla. Commercial Bank 31.16 21.05 220,896 1.93 54.01
79 Main Bank Albuquerque N.M. Commercial Bank 31.10 34.41 261,311 2.46 38.96
80 Adrian Bank Adrian Mo. Commercial Bank 30.92 13.50 176,170 1.86 49.20
81 Bank of Monticello Monticello Ga. Commercial Bank 30.86 18.87 171,454 2.39 44.97
82 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 30.78 31.08 932,046 2.05 52.98
83 The Bank of Milan Milan Tenn. Commercial Bank 30.71 19.28 97,168 1.19 61.55
84 Coffee County Bank Manchester Tenn. Commercial Bank 30.51 23.24 324,573 2.62 47.32
85 FBT Bank & Mortgage Fordyce Ark. Commercial Bank 30.34 -9.67 202,376 1.45 65.83
86 First Bank Kansas Salina Kan. Commercial Bank 30.05 23.98 563,688 1.54 67.45
87 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 29.94 16.00 252,301 2.68 51.15
88 The Citizens Bank of Clovis Clovis N.M. Commercial Bank 29.82 9.29 434,628 1.95 43.81
89 CLB The Community Bank Jonesville La. Commercial Bank 29.72 43.67 272,386 2.39 51.24
90 Citizens State Bank Corrigan Tex. Commercial Bank 29.69 25.40 164,471 2.26 48.95
Jones Bank Seward Neb. Commercial Bank 29.69 14.47 400,673 1.19 58.33
92 The Brady National Bank Brady Tex. Commercial Bank 29.68 16.54 143,741 1.71 55.27
93 NewFirst National Bank El Campo Tex. Commercial Bank 29.65 25.16 901,405 2.98 39.52
94 Adams County Bank Kenesaw Neb. Commercial Bank 29.60 11.38 228,843 1.75 33.45
95 First Community Bank San Benito Tex. Commercial Bank 29.58 12.79 712,347 1.48 54.49
96 The Commercial National Bank of Brady Brady Tex. Commercial Bank 29.45 29.52 235,803 1.73 55.89
97 South Coast Bank & Trust Brunswick Ga. Commercial Bank 29.41 22.47 202,843 1.85 55.89
98 The National Bank of Andrews Andrews Tex. Commercial Bank 29.23 33.41 274,822 2.38 59.86
99 The State Bank of Faribault Faribault Minn. Commercial Bank 29.03 16.38 284,324 0.95 74.33
100 Waycross Bank & Trust Waycross Ga. Commercial Bank 29.01 9.90 217,092 1.32 59.13
101 McIntosh County Bank Ashley N.D. Commercial Bank 28.92 15.42 109,738 1.78 50.13
102 Reliabank Dakota Estelline S.D. Commercial Bank 28.84 17.54 785,458 0.87 61.10
103 Bendena State Bank Bendena Kan. Commercial Bank 28.83 37.73 103,083 1.40 53.02
104 Rolette State Bank Rolette N.D. Commercial Bank 28.81 3.43 48,357 2.21 57.49
105 Bank of the Panhandle Guymon Okla. Commercial Bank 28.76 16.37 226,555 2.16 48.01
106 State Street Bank and Trust Company Quincy Ill. Commercial Bank 28.69 22.93 299,129 1.80 58.82
107 The Citizens State Bank Marysville Kan. Commercial Bank 28.58 24.07 373,894 2.09 38.19
108 The Bippus State Bank Huntington Ind. Commercial Bank 28.56 35.30 316,403 2.78 47.00
109 The Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 28.53 19.48 965,109 2.55 47.60
110 Northeast Bank Minneapolis Minn. Commercial Bank 28.44 15.39 717,355 1.61 55.46
111 Bank of Western Oklahoma Elk City Okla. Commercial Bank 28.42 15.31 345,312 2.30 50.78
112 First State Bank Clute Tex. Commercial Bank 28.39 24.20 305,449 2.31 48.65
113 First Community Bank Xenia-Flora Xenia Ill. Commercial Bank 28.36 11.37 54,001 1.54 54.05
114 Shelby County State Bank Shelbyville Ill. Commercial Bank 28.35 4.01 312,912 1.41 56.31
115 Altamaha Bank and Trust Company Vidalia Ga. Commercial Bank 28.16 12.29 257,252 1.79 59.54
First State Bank of Purdy Monett Mo. Commercial Bank 28.16 13.23 208,766 1.61 58.02
117 Crawford County Trust and Savings Bank Denison Iowa Commercial Bank 28.08 19.87 267,894 1.66 48.71
118 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 27.97 26.25 93,467 3.95 20.47
119 Community First Bank Butler Mo. Commercial Bank 27.87 16.07 259,175 2.29 44.35
120 Flagler Bank West Palm Beach Fla. Commercial Bank 27.78 19.32 489,288 2.33 37.71
121 Bank of Columbia Columbia Ky. Commercial Bank 27.77 25.60 192,254 2.21 53.66
122 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 27.60 24.79 83,027 2.43 40.53
123 First Community Bank Milton Wis. Commercial Bank 27.58 22.32 138,813 1.88 51.10
124 First Colony Bank of Florida Maitland Fla. Commercial Bank 27.57 20.23 303,797 2.03 42.49
125 American State Bank Osceola Iowa Commercial Bank 27.55 14.82 289,493 1.80 55.42
126 Nebraska State Bank Oshkosh Neb. Commercial Bank 27.35 22.00 67,180 4.00 33.77
127 Lamar Bank and Trust Company Lamar Mo. Commercial Bank 27.32 20.29 227,104 1.94 53.83
128 Citizens State Bank Miles Tex. Commercial Bank 27.27 25.61 232,556 2.37 40.93
129 First Kentucky Bank, Inc. Mayfield Ky. Commercial Bank 27.10 15.85 550,081 1.51 57.99
130 Central Bank Houston Tex. Commercial Bank 27.04 18.47 958,808 2.15 61.74
131 First Bank Erick Okla. Commercial Bank 27.02 21.36 106,784 2.71 47.10
132 Powell State Bank Powell Tex. Commercial Bank 26.94 4.80 37,139 2.15 52.12
133 Peoples Bank Mendenhall Miss. Commercial Bank 26.90 44.01 428,346 2.83 64.01
134 The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 26.87 29.46 117,556 2.99 42.90
135 PromiseOne Bank Duluth Ga. Commercial Bank 26.83 25.29 662,026 2.30 47.99
136 Impact Bank Wellington Kan. Commercial Bank 26.79 8.29 148,406 1.43 64.68
Midwest Bank Detroit Lakes Minn. Commercial Bank 26.79 23.01 695,332 2.28 42.68
138 The Northwestern Bank Chippewa Falls Wis. Commercial Bank 26.72 16.22 631,154 1.69 47.23
139 Exchange Bank and Trust Company Perry Okla. Commercial Bank 26.71 15.91 371,611 1.65 57.92
140 North Star Bank Roseville Minn. Commercial Bank 26.70 15.90 351,357 1.85 52.51
141 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 26.65 38.87 341,998 2.53 43.64
142 Commercial Bank Saint Louis Mo. Commercial Bank 26.64 9.63 280,507 0.79 71.27
South Georgia Bank Glennville Ga. Commercial Bank 26.64 15.86 214,278 1.95 55.62
144 Bank Northwest Hamilton Mo. Commercial Bank 26.61 22.27 184,762 2.39 44.57
145 North Valley Bank Thornton Colo. Commercial Bank 26.60 24.73 230,968 3.11 41.63
146 Glenwood State Bank (Incorporated) Glenwood Minn. Commercial Bank 26.56 19.17 474,041 2.19 45.80
147 The St. Henry Bank Saint Henry Ohio Commercial Bank 26.44 15.15 390,833 2.21 35.89
148 The First National Bank of Jeanerette Jeanerette La. Commercial Bank 26.39 13.93 432,811 1.90 54.46
149 Odin State Bank Odin Minn. Commercial Bank 26.35 17.76 59,701 1.99 51.48
150 First National Bank of Lacon Lacon Ill. Commercial Bank 26.34 11.85 82,547 1.46 62.92
Germantown Trust & Savings Bank Breese Ill. Commercial Bank 26.34 13.33 453,871 1.68 35.75
152 Four Corners Community Bank Farmington N.M. Commercial Bank 26.30 20.04 483,404 2.19 46.70
153 Resource Bank, National Association DeKalb Ill. Commercial Bank 26.29 15.54 762,665 1.15 64.49
154 Southwest Bank Odessa Tex. Commercial Bank 26.28 21.03 654,759 2.11 59.87
155 Castroville State Bank Castroville Tex. Commercial Bank 26.25 13.68 243,754 1.77 41.61
156 Bank of Cave City Cave City Ark. Commercial Bank 26.23 14.67 162,326 1.21 68.63
157 Bank of Weston Weston Mo. Commercial Bank 26.15 5.97 210,183 1.36 63.33
The First National Bank of Henning Ottertail Minn. Commercial Bank 26.15 18.33 299,311 1.55 57.68
159 The First National Bank of Williamson Williamson W.Va. Commercial Bank 26.11 8.00 103,530 1.63 64.25
160 The Community Bank Bridgeport Tex. Commercial Bank 26.10 10.42 179,597 1.29 61.84
161 First Bank of Owasso Owasso Okla. Commercial Bank 26.08 16.74 570,964 2.74 39.05
Guardian Bank Valdosta Ga. Commercial Bank 26.08 13.70 531,624 1.53 53.91
163 Community First Bank New Iberia La. Commercial Bank 26.07 15.71 665,059 1.57 60.51
164 Integrity Bank Plus Wabasso Minn. Commercial Bank 26.00 7.61 87,944 1.67 54.88
165 United Minnesota Bank New London Minn. Commercial Bank 25.99 12.05 50,658 1.54 57.22
166 Ennis State Bank Ennis Tex. Commercial Bank 25.93 11.27 336,099 1.19 67.06
167 Arrowhead Bank Llano Tex. Commercial Bank 25.87 12.92 308,069 1.43 55.70
The Bank of Star Valley Afton Wyo. Commercial Bank 25.87 15.46 375,637 1.96 41.51
169 Grant County State Bank Swayzee Ind. Commercial Bank 25.72 21.54 272,118 3.00 24.58
170 The Southern Bank Company Gadsden Ala. Commercial Bank 25.66 8.14 112,213 2.22 62.41
171 First State Bank Wrens Ga. Commercial Bank 25.60 19.20 330,051 1.69 48.31
172 Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 25.59 18.19 108,780 2.67 45.89
Twin River Bank Lewiston Idaho Commercial Bank 25.59 15.33 157,044 2.00 51.08
174 The Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 25.58 16.51 365,946 2.14 43.25
175 Saint Clair State Bank (Incorporated) Saint Clair Minn. Commercial Bank 25.56 17.16 112,502 2.59 31.85
176 The First National Bank of Evant Evant Tex. Commercial Bank 25.51 9.88 164,164 1.43 63.46
177 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 25.49 18.85 234,647 2.19 41.56
178 Champlain National Bank Willsboro N.Y. Commercial Bank 25.38 14.13 482,418 1.35 55.43
179 Holladay Bank and Trust Holladay Utah Commercial Bank 25.37 5.36 69,128 4.02 44.25
180 Washington State Bank Washington La. Commercial Bank 25.34 10.44 294,154 1.83 55.27
181 Valley Bank of Kalispell Kalispell Mont. Commercial Bank 25.33 14.44 190,557 1.70 49.88
182 The First Bank of Baldwin Baldwin Wis. Commercial Bank 25.28 10.47 243,596 0.93 73.98
183 Citizens Bank & Trust Company of Ardmore Ardmore Okla. Commercial Bank 25.27 9.38 305,937 1.15 65.99
Commercial Capital Bank Delhi La. Commercial Bank 25.27 21.15 264,095 2.89 48.03
185 North Georgia National Bank Calhoun Ga. Commercial Bank 25.23 9.24 202,845 0.91 65.26
186 Kearney Trust Company Kearney Mo. Commercial Bank 25.15 17.21 277,674 1.54 52.03
187 Community First Bank Kennewick Wash. Commercial Bank 25.14 16.69 585,281 1.53 69.27
188 Sanibel Captiva Community Bank Sanibel Fla. Commercial Bank 25.12 22.95 706,670 1.68 46.87
189 People's Bank of Seneca Seneca Mo. Commercial Bank 25.11 19.13 364,520 1.84 43.53
190 FNB Bank, Inc. Mayfield Ky. Commercial Bank 25.04 13.53 663,829 1.75 47.57
191 Capital Community Bank Provo Utah Commercial Bank 25.02 27.02 644,682 3.58 39.04
192 State Bank of Southwest Missouri Springfield Mo. Commercial Bank 24.99 10.89 217,406 1.05 67.87
193 Premier Bank of the South Cullman Ala. Commercial Bank 24.95 17.93 329,250 1.47 63.51
Star Bank Maple Lake Minn. Commercial Bank 24.95 9.70 387,294 1.83 56.55
195 Peoples State Bank of Plainview Plainview Minn. Commercial Bank 24.92 12.18 346,955 1.13 61.69
196 First Security Bank Byron Minn. Commercial Bank 24.89 20.34 99,540 1.53 61.56
197 Bank of Texas Midland Tex. Commercial Bank 24.83 13.88 626,200 2.80 25.07
NobleBank & Trust Anniston Ala. Commercial Bank 24.83 9.65 382,430 1.20 60.15
The Gunnison Bank and Trust Company Gunnison Colo. Commercial Bank 24.83 13.49 238,637 1.89 47.57
200 Schertz Bank & Trust Schertz Tex. Commercial Bank 24.82 15.85 686,948 2.62 28.68

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. 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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