Community Banks with the Largest C&I Loan Portfolios
December 04, 2015, 8:40 p.m. EST 1 Min Read
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Community Banks with the Largest C&I Loan Portfolios
Community Banks with the Largest C&I Loan PortfoliosOn June 30, 2015. Dollars in thousands | ||||||
---|---|---|---|---|---|---|
Rank | Type of institution | Commercial and industrial loans | Total loans and leases | |||
June 30 | Year earlier | Change | ||||
1 | Crestmark Bank Troy, Mich. | commercial | $457,970 | $400,639 | 14.3% | $555,465 |
2 | Triumph Community Bank Moline, Ill. | commercial | 356,813 | 266,607 | 33.8 | 764,961 |
3 | Western State Bank Devils Lake, N.D. | commercial | 296,434 | 230,717 | 28.5 | 703,079 |
4 | AloStar Bank of Commerce Birmingham, Ala. | commercial | 268,645 | 526,954 | -49.0 | 566,195 |
5 | First Bank & Trust Evanston, Ill. | commercial | 267,120 | 231,329 | 15.5 | 733,442 |
6 | Security Bank Midland, Texas | commercial | 255,514 | 275,282 | -7.2 | 543,194 |
7 | Park Bank Milwaukee | commercial | 241,948 | 241,215 | 0.3 | 576,166 |
8 | California First National Bank Irvine | commercial | 238,986 | 123,254 | 93.9 | 526,777 |
9 | Level One Bank Farmington Hills, Mich. | commercial | 227,573 | 162,215 | 40.3 | 689,509 |
10 | Modern Bank New York | commercial | 218,924 | 271,153 | -19.3 | 403,497 |
11 | Sterling Bank Poplar Bluff, Mo. | commercial | 212,764 | 100,517 | 111.7 | 558,585 |
12 | Xenith Bank Richmond, Va. | commercial | 212,516 | 195,251 | 8.8 | 767,989 |
13 | Citizens Bank Elizabethton, Tenn. | commercial | 205,395 | 149,084 | 37.8 | 442,287 |
14 | Metropolitan Commercial Bank New York | commercial | 202,886 | 134,425 | 50.9 | 693,524 |
15 | Veritex Community Bank Dallas | commercial | 201,712 | 174,093 | 15.9 | 647,017 |
16 | Metropolitan Bank Ridgeland, Miss. | commercial | 200,401 | 181,515 | 10.4 | 690,020 |
17 | Signature Bank Chicago | commercial | 196,644 | 189,863 | 3.6 | 386,234 |
18 | California Bank of Commerce Lafayette | commercial | 195,537 | 155,026 | 26.1 | 379,460 |
19 | Farmers & Merchants Savings Bank Manchester, Iowa | commercial | 190,938 | 148,458 | 28.6 | 462,374 |
20 | First Community Financial Bank Plainfield, Ill. | commercial | 187,780 | 166,976 | 12.5 | 729,246 |
21 | Somerset Trust Co. Pa. | commercial | 186,010 | 159,303 | 16.8 | 602,756 |
22 | Pacific Enterprise Bank Irvine, Calif. | commercial | 182,592 | 145,853 | 25.2 | 315,982 |
23 | Bank 7 Oklahoma City | commercial | 182,520 | 165,006 | 10.6 | 405,253 |
24 | Lone Star State Bank of West Texas Lubbock | commercial | 179,457 | 167,395 | 7.2 | 651,318 |
25 | BTH Bank Quitman, Texas | commercial | 178,301 | 110,377 | 61.5 | 566,679 |
26 | Mabrey Bank Bixby, Okla. | commercial | 175,305 | 162,439 | 7.9 | 608,513 |
27 | Frontier State Bank Oklahoma City | commercial | 173,785 | 145,393 | 19.5 | 501,786 |
28 | FirstCapital Bank of Texas Midland | commercial | 172,111 | 138,944 | 23.9 | 625,532 |
29 | Venture Bank Bloomington, Minn. | commercial | 169,307 | 154,757 | 9.4 | 444,962 |
30 | Live Oak Banking Co. Wilmington, N.C. | commercial | 166,584 | 121,777 | 36.8 | 594,093 |
31 | AimBank Littlefield, Texas | commercial | 166,441 | 146,436 | 13.7 | 612,283 |
32 | Missouri Bank and Trust Co. of Kansas City | commercial | 162,334 | 158,412 | 2.5 | 424,913 |
33 | Signature Bank Toledo, Ohio | commercial | 161,417 | 138,106 | 16.9 | 570,495 |
34 | CFG Community Bank Baltimore | commercial | 159,364 | 127,548 | 24.9 | 494,493 |
35 | West Texas State Bank Odessa | commercial | 152,800 | 113,944 | 34.1 | 242,273 |
36 | Congressional Bank Bethesda, Md. | commercial | 151,968 | 140,111 | 8.5 | 369,384 |
37 | NebraskaLand National Bank North Platte | commercial | 151,606 | 145,425 | 4.3 | 469,217 |
38 | Yellowstone Bank Laurel, Mont. | commercial | 149,250 | 112,223 | 33.0 | 487,385 |
39 | Westchester Bank White Plains, N.Y. | commercial | 147,907 | 141,907 | 4.2 | 429,424 |
40 | Katahdin Trust Co. Patten, Maine | commercial | 147,400 | 130,810 | 12.7 | 574,721 |
41 | Baylake Bank Sturgeon Bay, Wis. | commercial | 146,685 | 124,708 | 17.6 | 687,312 |
42 | Montgomery Bank Sikeston, Mo. | commercial | 143,148 | 165,983 | -13.8 | 688,141 |
43 | Avidbank Palo Alto, Calif. | commercial | 143,057 | 112,668 | 27.0 | 404,037 |
44 | QNB Bank Quakertown, Pa. | commercial | 141,299 | 121,546 | 16.3 | 578,722 |
45 | Central Bank Storm Lake, Iowa | commercial | 140,749 | 134,978 | 4.3 | 583,117 |
46 | Bank of San Antonio Texas | commercial | 140,658 | 123,726 | 13.7 | 386,016 |
47 | Bank Midwest Spirit Lake, Iowa | commercial | 140,648 | 109,446 | 28.5 | 604,102 |
48 | Coastal Commerce Bank Houma, La. | commercial | 140,592 | 125,098 | 12.4 | 332,789 |
49 | Meadows Bank Las Vegas | commercial | 140,508 | 119,681 | 17.4 | 418,186 |
50 | First Western Trust Bank Denver | commercial | 139,951 | 125,287 | 11.7 | 582,995 |
51 | NBC Oklahoma Oklahoma City | commercial | 139,498 | 119,322 | 16.9 | 438,692 |
52 | Post Oak Bank Houston | commercial | 138,672 | 135,539 | 2.3 | 740,507 |
53 | Blackhawk Bank Beloit, Wis. | commercial | 138,502 | 123,287 | 12.3 | 411,729 |
54 | Redding Bank of Commerce Calif. | commercial | 138,013 | 162,726 | -15.2 | 700,178 |
55 | Howard Bank Ellicott City, Md. | commercial | 137,905 | 106,553 | 29.4 | 648,461 |
56 | Bank of Springfield Ill. | commercial | 137,832 | 107,903 | 27.7 | 742,971 |
57 | Security Bank of California Riverside | commercial | 137,025 | 102,825 | 33.3 | 464,700 |
58 | Parkside Financial Bank & Trust Clayton, Mo. | commercial | 136,381 | 132,372 | 3.0 | 282,386 |
59 | First Western Bank & Trust Minot, N.D. | commercial | 134,791 | 114,227 | 18.0 | 530,651 |
60 | FirstBank Southwest Amarillo, Texas | commercial | 134,607 | 107,383 | 25.4 | 505,464 |
61 | Sunwest Bank Irvine, Calif. | commercial | 132,243 | 131,224 | 0.8 | 697,746 |
62 | Lubbock National Bank Texas | commercial | 131,477 | 145,458 | -9.6 | 495,286 |
63 | North Side Bank and Trust Co. Cincinnati | commercial | 130,779 | 123,258 | 6.1 | 365,933 |
64 | Century Bank Santa Fe, N.M. | commercial | 130,003 | 100,634 | 29.2 | 394,974 |
65 | Integrity Bank SSB Houston | savings | 128,828 | 108,860 | 18.3 | 509,057 |
66 | Bank of Commerce Ammon, Idaho | commercial | 128,632 | 123,278 | 4.3 | 582,029 |
67 | Puget Sound Bank Bellevue, Wash. | commercial | 127,267 | 114,688 | 11.0 | 331,299 |
68 | Bank of Blue Valley Overland Park, Kan. | commercial | 126,786 | 116,007 | 9.3 | 443,148 |
69 | Bank of Washington Mo. | commercial | 124,546 | 129,616 | -3.9 | 459,697 |
70 | Security National Bank of Omaha Neb. | commercial | 124,516 | 128,780 | -3.3 | 479,528 |
71 | United Community Bank Raceland, La. | commercial | 123,930 | 113,795 | 8.9 | 421,728 |
72 | Commercial State Bank Andrews, Texas | commercial | 123,741 | 158,392 | -21.9 | 343,509 |
73 | Mid Penn Bank Millersburg, Pa. | commercial | 122,021 | 77,732 | 57.0 | 705,152 |
74 | Heartland Bank Little Rock, Ark. | commercial | 121,837 | 87,020 | 40.0 | 190,429 |
75 | Meridian Bank Malvern, Pa. | commercial | 121,769 | 97,780 | 24.5 | 550,899 |
76 | Choice Financial Group Fargo, N.D. | commercial | 121,732 | 100,604 | 21.0 | 831,059 |
77 | Metropolitan Capital Bank & Trust Chicago | commercial | 120,954 | 78,702 | 53.7 | 170,164 |
78 | Bank of Maine Portland | savings | 120,879 | 132,278 | -8.6 | 649,509 |
79 | Salisbury Bank and Trust Co. Lakeville, Conn. | commercial | 120,027 | 48,052 | 149.8 | 683,085 |
80 | First Bank & Trust Lubbock, Texas | commercial | 119,594 | 107,363 | 11.4 | 596,174 |
81 | Banesco USA Coral Gables, Fla. | commercial | 119,306 | 94,544 | 26.2 | 680,080 |
82 | Bank of River Oaks Houston | commercial | 119,089 | 111,796 | 6.5 | 324,692 |
83 | Security Bank Tulsa, Okla. | commercial | 119,035 | 110,005 | 8.2 | 410,189 |
84 | Citizens Bank and Trust Co. Chillicothe, Mo. | commercial | 118,894 | 131,549 | -9.6 | 578,474 |
85 | Sabine State Bank and Trust Co. Many, La. | commercial | 118,848 | 107,402 | 10.7 | 604,736 |
86 | Two Rivers Bank & Trust Burlington, Iowa | commercial | 118,338 | 117,774 | 0.5 | 564,980 |
87 | Providence Bank Columbia, Mo. | commercial | 117,695 | 93,195 | 26.3 | 453,299 |
88 | Icon Bank of Texas Houston | commercial | 117,110 | 98,266 | 19.2 | 557,677 |
89 | Evans Bank Hamburg, N.Y. | commercial | 115,214 | 100,644 | 14.5 | 710,832 |
90 | Fairfield National Bank Ill. | commercial | 114,839 | 93,454 | 22.9 | 253,395 |
91 | Triumph Bank Memphis, Tenn. | commercial | 114,654 | 104,982 | 9.2 | 401,465 |
92 | Central National Bank Waco, Texas | commercial | 114,391 | 132,813 | -13.9 | 538,469 |
93 | Commerce Union Bank Brentwood, Tenn. | commercial | 114,116 | 27,111 | 320.9 | 615,761 |
94 | American State Bank Sioux Center, Iowa | commercial | 112,121 | 112,761 | -0.6 | 664,992 |
95 | RidgeStone Bank Brookfield, Wis. | commercial | 111,868 | 104,972 | 6.6 | 333,238 |
96 | Genesee Regional Bank Rochester, N.Y. | commercial | 111,375 | 90,655 | 22.9 | 329,318 |
97 | Waterford Bank Toledo, Ohio | commercial | 110,510 | 106,722 | 3.5 | 385,422 |
98 | Southwest Bank Odessa, Texas | commercial | 110,181 | 97,151 | 13.4 | 229,532 |
99 | Hawaii National Bank Honolulu | commercial | 109,154 | 84,188 | 29.7 | 385,486 |
100 | Horizon Bank SSB Austin, Texas | savings | 108,353 | 101,290 | 7.0 | 471,276 |
101 | Foundation Bank Bellevue, Wash. | commercial | 108,254 | 100,181 | 8.1 | 286,795 |
102 | Commonwealth Business Bank Los Angeles | commercial | 107,549 | 79,001 | 36.1 | 622,242 |
103 | Fidelity Bank Edina, Minn. | commercial | 106,848 | 87,934 | 21.5 | 429,892 |
104 | Core Bank Omaha, Neb. | commercial | 105,173 | 73,984 | 42.2 | 366,923 |
105 | First Bank Texas SSB Baird | savings | 105,114 | 85,250 | 23.3 | 369,034 |
106 | Pacific City Bank Los Angeles | commercial | 104,495 | 86,189 | 21.2 | 797,978 |
107 | Thomasville National Bank Ga. | commercial | 103,711 | 94,190 | 10.1 | 603,910 |
108 | Community Bank & Trust Waco, Texas | commercial | 103,340 | 109,623 | -5.7 | 266,046 |
109 | Oakworth Capital Bank Birmingham, Ala. | commercial | 102,947 | 70,618 | 45.8 | 283,046 |
110 | Farmers Bank and Trust Co. Blytheville, Ark. | commercial | 102,830 | 75,635 | 36.0 | 371,903 |
111 | First National Bank of Central Texas Waco | commercial | 102,763 | 91,385 | 12.5 | 549,191 |
112 | Chesapeake Bank Kilmarnock, Va. | commercial | 102,570 | 97,320 | 5.4 | 414,149 |
113 | First Community Bank Batesville, Ark. | commercial | 102,244 | 86,350 | 18.4 | 764,034 |
114 | Third Coast Bank SSB Humble, Texas | savings | 101,478 | 93,055 | 9.1 | 292,277 |
115 | Farmers Exchange Bank Cherokee, Okla. | commercial | 101,015 | 76,146 | 32.7 | 203,022 |
116 | Platinum Bank Brandon, Fla. | commercial | 100,814 | 90,884 | 10.9 | 427,325 |
117 | Pioneer Savings Bank Troy, N.Y. | savings | 100,785 | 83,854 | 20.2 | 688,869 |
118 | Presidio Bank San Francisco | commercial | 100,423 | 109,106 | -8.0 | 446,068 |
119 | mBank Manistique, Mich. | commercial | 99,622 | 82,491 | 20.8 | 608,524 |
120 | GBC International Bank Los Angeles | commercial | 99,285 | 92,074 | 7.8 | 412,741 |
121 | CNB Bank & Trust Carlinville, Ill. | commercial | 99,139 | 79,284 | 25.0 | 582,230 |
122 | MutualOne Bank Framingham, Mass. | cooperative | 99,066 | 100,348 | -1.3 | 504,074 |
123 | First Bank and Trust New Orleans | commercial | 99,052 | 87,152 | 13.7 | 678,270 |
124 | Fidelity Co-operative Bank Leominster, Mass. | cooperative | 98,208 | 99,502 | -1.3 | 447,826 |
125 | Signature Bank Minnetonka, Minn. | commercial | 98,122 | 81,339 | 20.6 | 257,258 |
126 | First Intercontinental Bank Doraville, Ga. | commercial | 98,079 | 66,124 | 48.3 | 221,275 |
127 | Provident Bank Amesbury, Mass. | savings | 98,031 | 91,808 | 6.8 | 509,670 |
128 | Citizens National Bank Bossier City, La. | commercial | 98,023 | 68,227 | 43.7 | 574,195 |
129 | Northwest Bank Boise, Idaho | commercial | 97,821 | 72,342 | 35.2 | 349,638 |
130 | Business Bank of St. Louis Clayton, Mo. | commercial | 97,628 | 99,334 | -1.7 | 421,311 |
131 | Firstar Bank Sallisaw, Okla. | commercial | 97,215 | 80,214 | 21.2 | 395,324 |
132 | Spirit of Texas Bank SSB College Station, | savings | 96,853 | 82,730 | 17.1 | 635,929 |
133 | First National Bank and Trust Co. Chickasha, Okla. | commercial | 96,122 | 94,636 | 1.6 | 308,934 |
134 | Peoples Bank of Alabama Cullman | commercial | 95,762 | 78,794 | 21.5 | 446,580 |
135 | Adirondack Bank Utica, N.Y. | commercial | 95,727 | 95,099 | 0.7 | 423,249 |
136 | Farmers & Merchants State Bank Archbold, Ohio | commercial | 95,275 | 98,292 | -3.1 | 620,591 |
137 | Cache Valley Bank Logan, Utah | commercial | 93,958 | 82,483 | 13.9 | 647,122 |
138 | Hardin County Bank Savannah, Tenn. | commercial | 93,904 | 80,339 | 16.9 | 355,326 |
139 | Bank of the Pacific Aberdeen, Wash. | commercial | 93,561 | 83,180 | 12.5 | 620,044 |
140 | Central National Bank & Trust Co. of Enid Okla. | commercial | 93,226 | 99,840 | -6.6 | 423,129 |
141 | First Bank Hamilton, N.J. | commercial | 92,904 | 97,378 | -4.6 | 580,760 |
142 | Citizens Alliance Bank Clara City, Minn. | commercial | 92,738 | 102,863 | -9.8 | 401,410 |
143 | Centennial Bank Lubbock, Texas | commercial | 92,683 | 78,326 | 18.3 | 499,140 |
144 | BankFirst Financial Services Columbus, Miss. | commercial | 91,922 | 88,063 | 4.4 | 600,518 |
145 | CoreFirst Bank & Trust Topeka, Kan. | commercial | 91,707 | 102,789 | -10.8 | 511,477 |
146 | Franklin Bank & Trust Co. Franklin, Ky. | commercial | 91,688 | 73,906 | 24.1 | 340,409 |
147 | Commercial and Savings Bank of Millersburg Ohio | commercial | 91,600 | 92,109 | -0.6 | 415,261 |
148 | Synergy Bank Houma, La. | commercial | 90,367 | 87,606 | 3.2 | 341,123 |
149 | Community National Bank & Trust Chanute, Kan. | commercial | 90,333 | 82,111 | 10.0 | 618,202 |
150 | Texas Champion Bank Corpus Christi | commercial | 90,252 | 81,943 | 10.1 | 291,878 |
151 | Brickell Bank Miami | commercial | 90,106 | 169,923 | -47.0 | 327,208 |
152 | Vermillion State Bank Minn. | commercial | 90,072 | 94,446 | -4.6 | 299,379 |
153 | Delaware Place Bank Chicago | commercial | 89,812 | 68,706 | 30.7 | 163,951 |
154 | BankWest Inc. Pierre, S.D. | commercial | 89,782 | 87,917 | 2.1 | 685,049 |
155 | United Security Bank Fresno, Calif. | commercial | 89,351 | 96,012 | -6.9 | 504,131 |
156 | Guaranty Bank Springfield, Mo. | commercial | 89,338 | 87,976 | 1.5 | 512,901 |
157 | Texas Citizens Bank Pasadena | commercial | 89,056 | 78,471 | 13.5 | 298,529 |
158 | Community Financial Services Bank Benton, Ky. | commercial | 89,032 | 88,403 | 0.7 | 643,154 |
159 | NexTier Bank Butler, Pa. | commercial | 88,648 | 52,900 | 67.6 | 670,512 |
160 | Urban Partnership Bank Chicago | commercial | 88,639 | 95,338 | -7.0 | 519,595 |
161 | First Bank & Trust East Texas Diboll | commercial | 88,596 | 87,660 | 1.1 | 612,349 |
162 | Androscoggin Savings Bank Lewiston, Maine | savings | 88,516 | 90,164 | -1.8 | 690,131 |
163 | First Bank Financial Centre Oconomowoc, Wis. | commercial | 88,051 | 71,179 | 23.7 | 663,772 |
164 | Penn Liberty Bank Wayne, Pa. | commercial | 87,911 | 88,939 | -1.2 | 505,332 |
165 | GrandSouth Bank Greenville, S.C. | commercial | 87,704 | 57,650 | 52.1 | 334,173 |
166 | Farmers State Bank Waterloo, Iowa | commercial | 87,167 | 83,236 | 4.7 | 556,388 |
167 | CommerceWest Bank Irvine, Calif. | commercial | 86,766 | 80,489 | 7.8 | 298,862 |
168 | Waukesha State Bank Waukesha, Wis. | commercial | 86,371 | 57,822 | 49.4 | 476,382 |
169 | Beneficial State Bank Oakland, Calif. | commercial | 85,962 | 58,898 | 46.0 | 305,907 |
170 | Itasca Bank & Trust Co. Ill. | commercial | 85,752 | 82,928 | 3.4 | 312,486 |
171 | Valley National Bank Tulsa, Okla. | commercial | 85,210 | 54,841 | 55.4 | 339,115 |
172 | ChoiceOne Bank Sparta, Mich. | commercial | 84,809 | 82,530 | 2.8 | 338,773 |
173 | First Sentry Bank Inc. Huntington, W.Va. | commercial | 84,787 | 81,171 | 4.5 | 367,809 |
174 | John Marshall Bank Reston, Va. | commercial | 84,522 | 98,579 | -14.3 | 726,392 |
175 | Park Bank Madison, Wis. | commercial | 84,339 | 63,775 | 32.2 | 635,106 |
176 | Centennial Bank Denver | commercial | 84,283 | 68,609 | 22.8 | 551,477 |
177 | CorTrust Bank Mitchell, S.D. | commercial | 83,657 | 90,648 | -7.7 | 501,944 |
178 | Horicon Bank Wis. | commercial | 83,550 | 78,371 | 6.6 | 548,410 |
179 | T Bank Dallas | commercial | 83,476 | 75,656 | 10.3 | 144,986 |
180 | High Point Bank and Trust Co. N.C. | commercial | 83,309 | 90,262 | -7.7 | 504,981 |
181 | Cornerstone Bank Fargo, N.D. | commercial | 83,198 | 23,583 | 252.8 | 510,260 |
182 | SpiritBank Tulsa, Okla. | commercial | 83,148 | 110,117 | -24.5 | 627,660 |
183 | Peoples State Bank Wausau, Wis. | commercial | 82,988 | 72,155 | 15.0 | 547,149 |
184 | Dakota Community Bank & Trust Hebron, N.D. | commercial | 82,852 | 79,382 | 4.4 | 502,772 |
185 | Lyons National Bank N.Y. | commercial | 82,711 | 70,189 | 17.8 | 575,881 |
186 | First Bank Burkburnett, Texas | commercial | 82,574 | 73,015 | 13.1 | 289,931 |
187 | 1st Trust Bank Inc. Hazard, Ky. | commercial | 82,509 | 49,316 | 67.3 | 157,852 |
188 | Capstone Bank Tuscaloosa, Ala. | commercial | 82,377 | 74,902 | 10.0 | 364,566 |
189 | Bennington State Bank Salina, Kan. | commercial | 82,346 | 79,630 | 3.4 | 437,370 |
190 | Crown Bank Edina, Minn. | commercial | 82,226 | 89,155 | -7.8 | 167,335 |
191 | State Bank and Trust Co. Defiance, Ohio | commercial | 82,114 | 88,600 | -7.3 | 532,470 |
192 | First National Bank and Trust Co. Beloit, Wis. | commercial | 81,880 | 87,585 | -6.5 | 586,043 |
193 | Illinois National Bank Springfield, | commercial | 81,780 | 87,722 | -6.8 | 502,309 |
194 | JD Bank Jennings, La. | commercial | 81,629 | 64,630 | 26.3 | 562,793 |
195 | Valliance Bank Oklahoma City | commercial | 81,238 | 70,645 | 15.0 | 251,044 |
196 | American Bank of Commerce Wolfforth, Texas | commercial | 80,204 | 73,997 | 8.4 | 484,545 |
197 | Alliance Bank St. Paul, Minn. | commercial | 80,089 | 87,563 | -8.5 | 462,725 |
198 | Falcon International Bank Laredo, Texas | commercial | 80,067 | 66,545 | 20.3 | 619,461 |
199 | Access Bank Omaha, Neb. | commercial | 79,955 | 59,991 | 33.3 | 197,293 |
200 | Continental Bank Salt Lake City | commercial | 79,834 | 78,127 | 2.2 | 148,271 |
Note: Independent banks with less than $1 billion of assets or whose holding companies have less than $1 billion. Rankings include only companies current as of Dec. 31 2014. Excludes industrial banks, those at which loans were less than 50% of assets, and those whose credit card loans exceeded 25% of gross loans. Figures for prior periods are not adjusted for mergers and acquisitions.
Source:
SNL Financial
, Charlottesville, Va. © 2015 American Banker