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Community Banks with the Largest First Mortgage Portfolios

January 21, 2010, 4:22 p.m. EST 1 Min Read
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Community Banks with the Largest First Mortgage Portfolios

Community Banks with Largest First Mortgage PortfoliosOn Sept. 30, 2009. Dollars in thousands
Published January 21, 2010
Rank   First mortgages Total loans
and leases		 Assets
Sept. 30 Year earlier Change
1 Kennebec Savings Bank Augusta, Maine $472,719 $459,362 2.9% $594,290 $703,414
2 Fidelity Homestead Savings Bank New Orleans 449,752 495,523 -9.2 573,750 903,156
3 Haven Savings Bank Hoboken, N.J. 441,732 449,674 -1.8 488,328 720,729
4 Easthampton Savings Bank Mass. 433,575 424,546 2.1 593,342 815,259
5 Saco and Biddeford Savings Institution Maine 394,282 406,387 -3.0 602,871 743,094
6 Torrington Savings Bank Conn. 392,036 397,758 -1.4 433,992 789,215
7 East Cambridge Savings Bank Cambridge, Mass. 383,317 417,513 -8.2 544,907 821,399
8 Hingham Institution for Savings Mass. 364,278 296,884 22.7 705,951 913,890
9 Great Midwest Bank SSB Brookfield, Wis. 358,212 389,412 -8.0 433,064 583,434
10 Harleysville Savings Bank Pa. 341,555 331,659 3.0 501,441 830,120
11 Avidia Bank MHC Hudson, Mass. 331,847 365,671 -9.2 689,336 953,186
12 Newtown Savings Bank Conn. 331,206 381,555 -13.2 757,089 914,599
13 Advantage Bank Cambridge, Ohio 324,792 387,094 -16.1 701,152 889,621
14 Marquette Savings Bank Erie, Pa. 317,022 297,548 6.5 418,795 648,248
15 Lisle Savings Bank Ill. 314,473 351,326 -10.5 390,424 520,702
16 First Collinsville Bank Ill. 309,197 302,245 2.3 467,685 557,546
17 Savings Bank of Danbury Conn. 302,213 315,062 -4.1 596,791 724,343
18 Ulster Savings Bank Kingston, N.Y. 295,402 316,519 -6.7 554,494 706,330
19 Newburyport Five Cents Savings Bank Mass. 294,456 277,052 6.3 470,783 607,518
20 First State Community Bank Farmington, Mo. 293,591 266,108 10.3 735,492 992,609
21 Norway Savings Bank MHC Maine 289,749 303,706 -4.6 794,017 916,874
22 Village Bank Newton, Mass. 289,407 296,726 -2.5 492,168 659,233
23 First Savings Bank of Hegewisch Chicago 269,096 233,610 15.2 288,284 531,925
24 Chelsea Groton Savings Bank Norwich, Conn. 267,592 227,456 17.6 553,872 756,916
25 Bogota Savings Bank N.J. 267,177 235,966 13.2 314,379 373,606
26 Legacy Banks Pittsfield, Mass. 265,757 316,944 -16.2 667,215 932,129
27 First National Bank of America East Lansing, Mich. 265,493 262,847 1.0 367,192 481,612
28 Guilford Savings Bank Conn. 262,111 250,815 4.5 364,023 500,039
29 Patriot National Bank Stamford, Conn. 256,870 215,181 19.4 719,960 937,000
30 South Shore Savings Bank MHC South Weymouth, Mass. 254,070 283,492 -10.4 592,424 954,764
31 Manasquan Savings Bank MHC N.J. 253,896 269,523 -5.8 438,884 708,948
32 Androscoggin Savings Bank MHC Lewiston, Maine 252,720 235,113 7.5 547,723 654,253
33 Adams County National Bank Gettysburg, Pa. 251,854 232,360 8.4 642,339 952,152
34 Citizens-Union Savings Bank MHC Fall River, Mass. 249,377 271,631 -8.2 500,362 688,009
35 Thomaston Savings Bank Conn. 249,104 223,574 11.4 387,422 592,775
36 Greenfield Savings Bank Mass. 244,569 276,471 -11.5 386,383 619,810
37 Martha's Vineyard Savings Bank Edgartown, Mass. 243,140 242,501 0.3 376,867 471,833
38 Cape Cod Cooperative Bank Hyannis, Mass. 242,031 237,918 1.7 462,207 585,005
39 Winchester Co-operative Bank Mass. 241,143 240,561 0.2 299,281 431,260
40 New Peoples Bank Honaker, Va. 240,899 206,444 16.7 764,130 846,122
41 Penn Security Bank and Trust Co. Scranton, Pa. 239,960 200,015 20.0 597,564 868,144
42 Cambridge Trust Co. Mass. 239,568 211,866 13.1 514,002 997,853
43 Middleburg Bank Va. 235,848 236,554 -0.3 689,345 991,079
44 Bank of Canton MHC Mass. 231,662 214,909 7.8 562,726 747,931
45 Mechanics Savings Bank Mansfield, Ohio 230,100 220,141 4.5 281,886 342,947
46 Ohio Valley Bank Co. Gallipolis, Ohio 229,997 240,936 -4.5 639,355 810,375
47 Southbridge Savings Bank Mass. 222,533 222,765 -0.1 365,136 435,311
48 Belmont Savings Bank Mass. 221,928 249,605 -11.1 361,526 499,907
49 Dime Bank Norwich, Conn. 221,837 250,173 -11.3 501,820 648,957
50 Winchester Savings Bank Mass. 221,705 212,553 4.3 333,673 507,933
51 Brannen Bank Inverness, Fla. 221,332 244,582 -9.5 285,211 429,181
52 Eureka Savings Bank La Salle, Ill. 220,959 211,347 4.5 240,945 365,250
53 North Easton Savings Bank South Easton, Mass. 220,940 205,377 7.6 292,861 430,591
54 Pioneer Savings Bank Troy, N.Y. 220,684 228,682 -3.5 509,046 732,366
55 Northfield Savings Bank MHC Vt. 220,289 240,617 -8.4 439,442 612,199
56 Gorham Savings Bank Maine 219,092 212,709 3.0 616,001 863,100
57 Fulton Savings Bank N.Y. 217,823 228,900 -4.8 282,649 391,869
58 Clinton Savings Bank MHC Mass. 217,728 228,859 -4.9 375,004 476,194
59 Vinton County National Bank of McArthur Ohio 213,544 128,714 65.9 496,220 707,633
60 Pentucket Bank Haverhill, Mass. 212,188 190,928 11.1 416,925 587,961
61 Northway Bank Berlin, N.H. 209,332 221,818 -5.6 579,354 773,503
62 Naugatuck Savings Bank Conn. 208,844 189,719 10.1 643,462 878,638
63 Hoyne Savings Bank Chicago 208,512 219,771 -5.1 220,016 308,538
64 Traditional Bank Mount Sterling, Ky. 206,860 187,348 10.4 717,285 934,048
65 Town and Country Bank Salem, Mo. 204,426 195,839 4.4 360,412 485,851
66 Central Co-operative Bank Somerville, Mass. 202,578 182,974 10.7 459,310 540,303
67 Lowell Five Cents Savings Bank Mass. 202,139 161,696 25.0 366,086 670,732
68 Chemung Canal Trust Co. Elmira, N.Y. 201,179 186,893 7.6 605,399 965,570
69 Kennebunk Savings Bank Maine 200,828 204,826 -2.0 633,381 821,698
70 Fidelity Savings Bank Pittsburgh 200,619 265,437 -24.4 416,183 723,965
71 StonehamBank Mass. 199,087 217,133 -8.3 324,058 412,135
72 First County Bank New Baden, Ill. 196,678 194,966 0.9 325,280 368,923
73 Geauga Savings Bank Newbury, Ohio 196,609 228,635 -14.0 315,118 453,356
74 Citizens and Farmers Bank West Point, Va. 195,880 179,248 9.3 687,142 873,007
75 Liberty Bank Springfield, Mo. 194,280 147,953 31.3 812,314 937,344
76 Asheville Savings Bank SSB N.C. 189,459 195,842 -3.3 603,100 749,676
77 BankFive Fall River, Mass. 189,187 199,874 -5.3 508,399 708,288
78 Equitable Bank SSB Wauwatosa, Wis. 188,901 212,602 -11.1 414,505 493,979
79 Bank Independent Sheffield, Ala. 187,903 173,187 8.5 751,441 930,091
80 First State Bank of the Florida Keys Key West 186,871 173,686 7.6 484,325 792,354
81 First Farmers and Merchants Bank Columbia, Tenn. 185,398 184,388 0.5 588,553 927,973
82 Highlands Union Bank Abingdon, Va. 184,940 176,441 4.8 491,418 657,925
83 Conway National Bank S.C. 183,567 177,195 3.6 586,947 913,611
84 Meredith Village Savings Bank N.H. 181,052 173,068 4.6 449,581 591,458
85 First State Bank Mendota, Ill. 180,326 142,613 26.4 360,739 454,774
86 Omni Bank Metairie, La. 180,311 157,183 14.7 565,005 744,966
87 Prosperity Bank St. Augustine, Fla. 180,226 191,280 -5.8 652,864 980,894
88 Prudential Savings Bank MHC Philadelphia 180,050 170,108 5.8 259,426 514,743
89 Machias Savings Bank MHC Maine 178,824 186,496 -4.1 841,965 938,099
90 Solvay Bank N.Y. 177,540 171,320 3.6 368,569 563,601
91 Juniata Valley Bank Mifflintown, Pa. 177,398 183,304 -3.2 310,940 430,857
92 RSI Bank Rahway, N.J. 176,780 190,968 -7.4 236,033 466,101
93 Millington Savings Bank MHC N.J. 176,232 167,346 5.3 281,662 360,320
94 North Country Savings Bank Canton, N.Y. 175,955 176,708 -0.4 203,271 239,738
95 EvaBank Cullman, Ala. 175,824 174,147 1.0 318,827 426,992
96 Sanford Institution for Savings Maine 175,571 199,125 -11.8 353,850 437,857
97 Standard Bank MHC Monroeville, Pa. 175,419 165,568 5.9 273,847 381,678
98 Community Savings Bank Chicago 174,851 181,504 -3.7 278,318 409,225
99 Tri City National Bank Oak Creek, Wis. 173,612 153,528 13.1 601,160 790,130
100 First Citizens National Bank Mansfield, Pa. 172,604 168,808 2.2 448,491 706,327
101 Espirito Santo Bank Miami 172,490 183,459 -6.0 390,802 540,497
102 Bath Savings Institution Maine 170,952 179,041 -4.5 379,290 526,053
103 Claremont Savings Bank N.H. 170,773 171,602 -0.5 248,563 313,106
104 AmeriServ Financial Bank Johnstown, Pa. 168,810 183,468 -8.0 722,540 930,337
105 Independence Bank of Kentucky Owensboro 168,402 147,051 14.5 625,862 855,029
106 Commercial Bank Harrogate, Tenn. 168,102 154,840 8.6 563,303 759,391
107 Community National Bank Derby, Vt. 168,083 163,871 2.6 372,359 495,297
108 First Columbia Bank and Trust Co. Bloomsburg, Pa. 167,538 153,645 9.0 331,099 590,615
109 UniBank for Savings MHC Whitinsville, Mass. 167,313 179,758 -6.9 481,953 850,829
110 Savers Co-operative Bank Southbridge, Mass. 166,618 176,406 -5.5 273,407 369,711
111 Cape Ann Savings Bank Gloucester, Mass. 166,442 168,113 -1.0 225,778 397,073
112 Merrimack County Savings Bank MHC Concord, N.H. 166,067 158,693 4.6 412,472 575,724
113 Essex Savings Bank Conn. 165,991 167,880 -1.1 237,350 270,618
114 Access National Bank Reston, Va. 165,792 155,933 6.3 549,477 694,523
115 Farmers State Bank Lagrange, Ind. 165,307 167,559 -1.3 348,064 447,465
116 New England Bank Enfield, Conn. 164,664 25,027 557.9 494,286 671,152
117 Merchants National Bank Hillsboro, Ohio 164,039 128,166 28.0 429,681 538,388
118 Magyar Bank MHC New Brunswick, N.J. 163,845 147,582 11.0 444,804 565,201
119 Peoples Bank Savings Bank Munster, Ind. 163,243 202,463 -19.4 464,048 679,633
120 Skowhegan Savings Bank Maine 162,531 159,903 1.6 269,734 424,050
121 Passumpsic Savings Bank MHC St. Johnsbury, Vt. 161,155 156,173 3.2 436,971 560,003
122 Fidelity Co-operative Bank Leominster, Mass. 160,304 160,317 0.0 347,358 496,932
123 Spencer Savings Bank Mass. 159,597 153,626 3.9 302,404 392,054
124 K Bank Owings Mills, Md. 158,976 107,305 48.2 510,610 658,940
125 South Side Trust and Savings Bank of Peoria Ill. 158,843 155,323 2.3 364,647 570,727
126 Bank of Versailles Mo. 158,094 153,892 2.7 275,408 346,149
127 Citizens National Bank Henderson, Texas 157,805 145,831 8.2 455,899 830,064
128 First National Bank Paragould, Ark. 157,395 152,753 3.0 492,667 639,448
129 Chicopee Savings Bank Mass. 156,854 167,201 -6.2 419,482 546,756
130 Benchmark Bank Plano, Texas 155,735 48,853 218.8 303,437 323,847
131 Putnam County Savings Bank Brewster, N.Y. 155,531 162,872 -4.5 531,545 935,267
132 United Bank Barnesville, Ga. 155,031 128,637 20.5 572,172 929,677
133 Southern Bank Poplar Bluff, Mo. 154,506 140,884 9.7 409,052 511,348
134 First Bank Richmond MHC Ind. 154,205 155,891 -1.1 519,369 637,122
135 Guaranty Bond Bank Mount Pleasant, Texas 154,174 142,896 7.9 496,847 818,010
136 Milford Bank Conn. 154,039 171,976 -10.4 308,448 351,022
137 Montgomery Bank Sikeston, Mo. 153,740 148,818 3.3 750,241 919,803
138 Savings Bank Wakefield, Mass. 153,512 145,933 5.2 239,557 414,746
139 First National Bank of Georgia Carrollton 152,918 147,677 3.5 587,861 832,580
140 Bank of Clarke County Berryville, Va. 152,570 143,428 6.4 392,314 514,531
141 Heritage Bank Hinesville, Ga. 151,870 92,635 63.9 716,456 987,968
142 Farmers Bank and Trust Co. Magnolia, Ark. 151,284 144,720 4.5 517,953 634,656
143 Monarch Bank Chesapeake, Va. 151,110 144,700 4.4 593,560 652,509
144 Northumberland National Bank Pa. 148,883 147,748 0.8 219,185 383,328
145 LCNB National Bank Lebanon, Ohio 148,345 146,725 1.1 459,998 735,684
146 Independent Bank McKinney, Texas 146,635 70,004 109.5 724,458 866,801
147 Marlborough Savings Bank Mass. 146,167 143,548 1.8 239,623 388,475
148 Webster Five Cents Savings Bank Mass. 146,118 141,405 3.3 384,014 569,210
149 Jersey Shore State Bank Pa. 146,101 146,306 -0.1 406,422 669,684
150 Farmers and Merchants Bank Timberville, Va. 145,755 105,455 38.2 450,368 498,553
151 Salisbury Bank and Trust Co. Lakeville, Conn. 144,889 137,171 5.6 315,853 554,616
152 McHenry Savings Bank Ill. 144,346 128,034 12.7 233,690 287,715
153 First Bank and Trust New Orleans 144,315 89,545 61.2 673,066 946,071
154 Queensborough National Bank and Trust Co. Louisville, Ga. 144,295 136,755 5.5 683,679 890,705
155 Farmers and Merchants Trust Co. of Chambersburg Pa. 144,002 152,639 -5.7 733,161 973,328
156 First South Bank Washington, N.C. 143,427 132,752 8.0 694,063 852,496
157 Seaside National Bank and Trust Orlando 143,397 4,605 3,013.9 450,344 830,058
158 State Bank and Trust Co. Greenwood, Miss. 143,290 147,489 -2.8 678,999 936,534
159 Embassy Bank for the Lehigh Valley Bethlehem, Pa. 142,752 119,922 19.0 348,257 461,897
160 First National Bank of Palmerton Pa. 142,208 140,053 1.5 368,649 615,279
161 SouthCoast Community Bank Mount Pleasant, S.C. 141,648 152,730 -7.3 378,347 493,483
162 Sturdy Savings Bank Cape May Court House, N.J. 141,457 142,149 -0.5 322,921 480,657
163 First Citizens National Bank Dyersburg, Tenn. 140,706 126,337 11.4 609,023 942,226
164 Clear Mountain Bank Bruceton Mills, W.Va. 140,428 121,774 15.3 292,899 373,253
165 Franklin Savings Bank N.H. 140,385 147,768 -5.0 248,114 351,771
166 Citizens Bank of Philadelphia, Miss. 138,426 131,389 5.4 446,872 818,922
167 Northwestern Bank Traverse City, Mich. 138,364 125,382 10.4 731,992 909,933
168 CapitalBank Greenwood, S.C. 137,570 149,713 -8.1 603,588 765,486
169 Citizens Bank Batesville, Ark. 137,413 124,842 10.1 350,801 507,465
170 Stoneham Savings Bank Mass. 137,300 124,376 10.4 331,431 425,738
171 Benchmark Community Bank Kenbridge, Va. 136,797 126,496 8.1 319,169 379,932
172 Commonwealth Bank and Trust Co. Louisville 136,732 119,136 14.8 575,650 795,739
173 Community State Bank of Orbisonia Pa. 136,652 120,737 13.2 210,972 243,688
174 Fauquier Bank Warrenton, Va. 135,808 129,604 4.8 460,614 548,207
175 Focus Bank Charleston, Mo. 135,562 128,596 5.4 481,500 577,849
176 First Georgia Banking Co. Franklin 135,221 136,782 -1.1 634,854 781,230
177 Ameriana Bank New Castle, Ind. 134,971 126,633 6.6 334,981 454,250
178 Piscataqua Savings Bank Portsmouth, N.H. 134,952 116,742 15.6 150,799 205,728
179 Security Savings Bank SSB Southport, N.C. 134,284 142,632 -5.9 334,826 431,817
180 Biddeford Savings Bank Maine 134,275 153,737 -12.7 207,250 310,667
181 Arthur State Bank Union, S.C. 134,086 123,895 8.2 542,832 673,591
182 Woodsville Guaranty Savings Bank N.H. 133,761 127,778 4.7 287,560 347,367
183 Farmers and Merchants Bank Granite Quarry, N.C. 133,685 139,112 -3.9 569,161 674,294
184 Indiana First Savings Bank Indiana, Pa. 133,595 122,546 9.0 183,605 235,201
185 Evangeline Bank and Trust Co. Ville Platte, La. 133,567 115,105 16.0 372,167 570,768
186 Middlefield Banking Co. Ohio 133,468 132,324 0.9 294,375 449,324
187 RiverBank North Andover, Mass. 133,383 105,706 26.2 518,442 806,953
188 CoastalStates Bank Hilton Head Island, S.C. 132,817 94,810 40.1 324,675 464,896
189 Jefferson Federal Bank Morristown, Tenn. 132,713 NA NA 486,039 655,081
190 Farmers and Merchants Bank Lakeland, Ga. 132,657 94,655 40.1 519,036 636,886
191 Reading Co-operative Bank Reading, Mass. 132,454 118,822 11.5 203,387 300,130
192 Ballston Spa National Bank N.Y. 132,008 149,236 -11.5 251,138 358,131
193 Georgia Banking Co. Atlanta 131,612 137,763 -4.5 164,358 190,885
194 Ephrata National Bank Pa. 131,569 127,508 3.2 424,254 718,389
195 Southwest Missouri Bank Carthage 130,967 118,653 10.4 413,343 543,844
196 Metropolitan National Bank Springfield, Mo. 130,747 115,986 12.7 461,052 584,511
197 Putnam County Bank Hurricane, W.Va. 130,719 120,134 8.8 345,762 526,368
198 Pathfinder Bank MHC Oswego, N.Y. 130,540 130,696 -0.1 254,427 369,688
199 National Capital Bank of Washington 130,381 103,918 25.5 221,598 268,431
200 1st Summit Bank Johnstown, Pa. 130,264 115,094 13.2 329,603 598,845

Note: 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 were excluded. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of January 8, 2010.

Source:

SNL Financial
, Charlottesville, Va.
© 2010 American Banker

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