Highest Loan/Deposit Ratios Among Bank Holding Companies

March 30, 2006, 10:08 a.m. EST 1 Min Read

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Highest Loan/Deposit Ratios Among Bank Holding Companies*
On Dec. 31, 2005. Dollars in thousands Published March 30, 2006
Related Table: Highest Ratios and Fastest Percentage Growth
Rank		Loans as % of deposits**
Rank		Dec. 31	Yr. earlier	Loans**	Deposits	Equity Capital
1	John Hancock Holdings Wilmington, Del.	2900.72%	2537.42%	$10,913,071	$376,219	$11,926,766
2	Utrecht-America Holdings Inc. New York	1,233.44	1,522.77	19,701,773	1,597,309	1,005,593
3	MetLife Inc. New York	1,130.51	1,600.06	49,068,331	4,340,372	29,101,331
4	Community Financial Services Inc. Atlanta	421.99	441.66	1,124,268	266,421	112,140
5	Countrywide Financial Corp. Calabasas, Calif.	270.98	384.91	107,009,536	39,489,256	12,815,860
6	United National Corp. Sioux Falls, S.D.	218.99	219.57	866,477	395,661	529,118
7	HSBC North America Holdings Inc. Prospect Heights, Ill.	209.88	200.88	259,254,274	123,523,525	30,926,188
8	JPMorgan Chase New York	204.24	225.44	50,906,000	24,925,000	23,380,000
	CMC Holding Delaware Inc. Newark	204.24	225.39	50,905,867	24,924,750	22,927,592
10	Popular North America Inc. San Juan, Puerto Rico	201.44	220.62	17,026,000	8,452,000	1,160,000
11	Beverly Hills Bancorp Inc. Calabasas, Calif.	158.3	NA	957,316	604,752	172,642
12	Deutsche Bank Trust Co. New York	156.86	170.94	23,873,000	15,219,000	4,369,000
13	Republic Bancorp Inc. Owosso, Mich.	148.48	150	4,666,517	3,142,943	404,459
14	Irwin Financial Corp. Columbus, Ind.	148.3	127.86	5,782,362	3,899,041	512,334
15	ITLA Capital Corp. La Jolla, Calif.	146.59	126.39	2,571,368	1,754,098	204,481
16	Popular Inc. Hato Rey, Puerto Rico	140.07	140.63	31,710,000	22,638,000	3,449,000
17	New York Community Bancorp Inc. Westbury	138.66	127	17,028,950	12,281,302	3,324,877
18	National City Corp. Cleveland	137.76	130.96	115,719,259	83,999,398	12,612,871
19	Charles Schwab Corp. San Francisco	136.53	150.2	19,261,872	14,108,521	4,450,357
20	Affinity Bank Holdings Inc. Ventura, Calif.	131.59	128.89	804,109	611,072	52,610
21	MBNA Corp. Wilmington, Del.	130.86	108.06	37,507,197	28,661,184	13,409,884
22	ANB Bancshares Inc. Bentonville, Ark.	128.87	129.93	846,781	657,077	48,448
23	Camco Financial Corp. Cambridge, Ohio	127.87	124.61	849,439	664,321	90,763
24	Nortrust Holding Corp. Chicago	126.83	120.69	1,191,617	939,531	117,875
25	Independent Bankers Financial Corp. Irving, Tex.	126.17	147.8	573,281	454,360	74,326
26	Marquette Financial Cos. Minneapolis	126.11	130.99	1,347,261	1,068,283	393,317
27	Capital One Financial Corp. McLean, Va.	125.44	150.95	60,193,621	47,986,038	14,128,914
28	Northern Empire Bancshares Santa Rosa, Calif.	124.04	119.7	1,101,520	888,026	107,307
29	Marshall & Ilsley Corp. Milwaukee	123.61	111.65	34,200,799	27,668,143	4,667,810
30	R&G Financial Corp. Hato Rey, Puerto Rico	121.28	128.75	7,280,833	6,003,082	884,271
31	Summit Financial Group Inc. Moorefield, W.Va.	121.12	118.52	816,257	673,900	73,803
32	BBVAPR Holding Corp. San Juan, Puerto Rico	120.85	121.87	3,680,202	3,045,150	489,799
33	Republic Bancorp Inc. Louisville, Ky.	120.72	121.33	2,067,238	1,712,434	213,574
34	First Regional Bancorp Century City, Calif.	119.81	115.43	1,705,934	1,423,904	106,140
35	Peoples Community Bancorp Inc. West Chester, Ohio	119.07	NA	864,714	726,239	86,047
36	KeyCorp Cleveland	118.83	118.35	69,858,258	58,788,629	7,598,653
37	First National Bank Holding Co. Scottsdale, Ariz.	118.56	113.71	3,369,046	2,841,738	181,618
38	ABN AMRO North America Holding Co. Chicago	117.72	111.12	67,234,849	57,116,097	4,874,255
39	Macon Bancorp Franklin, N.C.	117.68	121.24	736,095	625,487	58,337
40	First Mutual Bancshares Inc. Bellevue, Wash.	116.87	120.8	892,746	763,898	60,027
41	Stearns Financial Services Inc. St. Cloud, Minn.	116.83	116.37	1,363,686	1,167,235	139,678
42	Orion Bancorp Inc. Naples, Fla.	116.14	105.93	1,487,032	1,280,345	83,080
43	Frontier Financial Corp. Everett, Wash.	115.9	110.15	2,389,224	2,061,397	296,097
44	RBC Centura Banks Inc. Raleigh	115.78	112.26	12,637,896	10,915,054	3,219,100
45	LaSalle Bank Corp. Chicago	115.65	108.38	66,874,228	57,822,857	11,117,958
46	Fremont Bancorp. Calif.	115.04	101.03	1,452,587	1,262,700	94,329
47	First Olathe Bancshares Inc. Overland Park, Kan.	114.24	117.65	1,123,257	983,268	71,683
48	Amboy Bancorp. Old Bridge, N.J.	113.55	110.64	2,035,200	1,792,415	196,342
49	Rockville Financial MHC Inc. Vernon, Conn.	113.34	100.88	868,384	766,199	82,998
50	TCF Financial Corp. Wayzata, Minn.	113.13	118.4	10,447,433	9,235,060	998,472
51	Pacific Mercantile Bancorp Costa Mesa, Calif.	112.89	104.62	655,154	580,349	78,517
52	Santander BanCorp San Juan, Puerto Rico	112.55	117.59	6,018,748	5,347,518	569,775
53	Associated Banc-Corp Green Bay, Wis.	112.46	109.08	15,264,174	13,573,089	2,324,978
54	Wells Fargo & Co. San Francisco	111.94	118.62	351,983,000	314,450,000	40,660,000
55	U.S. Bancorp Minneapolis	111.85	105.81	139,492,000	124,709,000	20,086,000
56	Hills Bancorp. Hills, Iowa	111.71	106.13	1,157,778	1,036,415	130,113
57	Horizon Financial Corp. Bellingham, Wash.	111.5	108.97	908,636	814,892	110,576
58	South Plains Financial Inc. Lubbock, Tex.	111.49	104.7	934,577	838,228	71,277
59	Olney Bancshares of Texas Inc. Olney, Tex.	110.69	98.39	858,143	775,277	73,054
60	Huntington Bancshares Inc. Columbus, Ohio	110.33	113.65	24,764,848	22,445,618	2,557,501
61	UBC Holding Co. Inc. Charleston, W.Va.	110.25	113.42	2,817,137	2,555,311	304,138
62	Cascade Financial Corp. Everett, Wash.	110.1	111.38	877,302	796,791	105,193
63	Mercantile Bank Corp. Grand Rapids, Mich.	110.04	113.63	1,561,812	1,419,352	155,125
64	State Bankshares Inc. Fargo, N.D.	109.65	107.54	1,307,924	1,192,827	72,166
65	Dickinson Financial Corp. II Kansas City, Mo.	109.43	103.5	3,016,530	2,756,539	453,763
66	Community Bankshares Inc. Greenwood Village, Colo.	108.94	108.43	1,050,205	964,006	98,774
67	M&T Bank Corp. Buffalo, N.Y.	108.71	108.38	40,330,645	37,100,174	5,876,386
68	Peoplesbancorp MHC Holyoke, Mass.	108.47	111.41	876,149	807,733	107,219
69	FirstBank Corp. Alma, Mich.	108.4	111.64	879,186	811,030	93,577
70	East West Bancorp Inc. San Marino, Calif.	108.39	113.34	6,793,086	6,267,310	734,138
71	QCR Holdings Inc. Moline, Ill.	108.27	110.26	756,254	698,514	54,467
72	First National Lincoln Corp. Damariscotta, Maine	108.18	129.33	772,347	713,964	103,452
73	Capitol Bancorp Ltd. Lansing, Mich.	108.17	109	3,012,827	2,785,259	303,832
74	First Indiana Corp. Indianapolis	108.06	108.86	1,567,186	1,450,249	175,442
75	Webster Financial Corp. Waterbury, Conn.	107.86	112.07	12,553,279	11,637,975	1,647,226
76	First Mariner Bancorp Baltimore	107.75	100.08	943,937	876,010	72,375
77	AmericanWest Bancorp. Spokane	107.6	103.68	965,649	897,429	121,477
78	Columbia Bancorp Columbia, Md.	107.53	105.07	1,060,036	985,829	97,318
79	Vineyard National Bancorp Rancho Cucamonga, Calif.	107.52	106.37	1,373,099	1,277,012	99,985
80	Florida Community Banks Inc. Immokalee	107.37	106.13	791,609	737,256	70,076
81	Salin Bancshares Inc. Indianapolis	107.14	109.43	733,978	685,075	78,015
82	First Horizon National Corp. Memphis	106.82	109.17	25,038,833	23,440,386	2,312,311
83	Fifth Third Bancorp Cincinnati	105.63	103.68	71,228,860	67,434,151	9,446,411
84	First Charter Corp. Charlotte	105.46	93.67	2,952,192	2,799,479	323,595
85	Greene County Bancshares Inc. Greeneville, Tenn.	105.4	104.13	1,381,328	1,310,502	168,021
86	SCBT Financial Corp. Columbia, S.C.	105.13	99.58	1,548,862	1,473,289	148,403
87	SunTrust Banks Inc. Atlanta	105.08	104.49	128,250,508	122,053,179	16,887,395
88	Minnwest Corp. Minnetonka, Minn.	105.03	108.29	994,715	947,072	122,682
89	Banner Corp. Walla Walla, Wash.	105.01	108.67	2,439,731	2,323,313	221,665
90	PremierWest Bancorp Medford, Ore.	104.93	99.91	806,338	768,419	102,784
91	Oak Hill Financial Inc. Jackson, Ohio	104.81	106.86	1,025,408	978,396	94,081
92	Fifth Third Financial Corp. Cincinnati	104.64	103.68	71,228,860	68,069,997	10,752,577
93	Compass Bancshares Inc. Birmingham, Ala.	104.59	110.05	21,372,215	20,434,133	2,236,029
94	Main Street Banks Inc. Atlanta	104.57	99.61	1,810,584	1,731,483	295,248
95	Citigroup Inc. New York	104.48	103.16	619,160,000	592,595,000	112,537,000
96	Southwest Bancorp Inc. Stillwater, Okla.	104.38	107.88	1,732,191	1,659,488	170,444
97	Virginia Commerce Bancorp Inc. Arlington	104.27	97.41	1,296,624	1,243,506	111,818
98	SunTrust Bank Holding Co. Orlando, Fla.	104.12	105.03	128,371,966	123,296,778	18,903,551
99	Gold Banc Corp. Inc. Leawood, Kan.	104.11	98.87	3,158,843	3,034,131	277,445
100	Stark Bank Group Ltd. Fort Dodge, Iowa	103.98	100.02	894,989	860,770	77,336
101	Sky Financial Group Inc. Bowling Green, Ohio	103.88	102.6	11,173,406	10,755,676	1,553,877
102	Community Bancorp Inc. Escondido, Calif.	103.74	98.14	737,072	710,473	96,258
103	BTC Financial Corp. Des Moines, Iowa	103.67	110.54	1,349,686	1,301,870	109,144
104	Synovus Financial Corp. Columbus, Ga.	103.61	105.51	21,535,491	20,784,364	2,949,329
105	USB Holdings Inc. Minneapolis	103.48	100.05	139,492,000	134,806,000	21,681,000
106	First Merchants Corp. Muncie, Ind.	103.35	100.97	2,462,337	2,382,576	313,396
107	Colonial BancGroup Inc. Montgomery, Ala.	103.25	114.01	15,997,756	15,494,920	1,932,691
108	BancWest Corp. Honolulu	103.23	97.46	43,782,762	42,411,477	6,751,634
109	Gateway Financial Holdings Inc. Elizabeth City, N.C.	103.16	94.02	666,652	646,262	98,744
110	North Fork Bancorp. Inc. Melville, N.Y.	102.98	105.75	37,591,501	36,502,578	9,002,241
111	S&T Bancorp Inc. Indiana, Pa.	102.97	105.07	2,491,506	2,419,543	352,421
112	Midamerica Financial Corp. Des Moines	102.92	109.66	1,349,686	1,311,353	117,889
113	Citizens Banking Corp. Flint, Mich.	102.89	102.3	5,632,518	5,474,119	656,463
114	GBank and Trust Bancshares Inc. Gainesville, Ga.	102.87	102.94	1,231,410	1,197,026	205,459
115	Macatawa Bank Corp. Holland, Mich.	102.8	103.54	1,550,210	1,507,971	141,744
116	S.Y. Bancorp Inc. Louisville, Ky.	102.67	104.24	1,061,764	1,034,117	125,797
117	South Financial Group Inc. Greenville, S.C.	102.61	105.99	9,478,065	9,236,909	1,487,532
118	BancPlus Corp. Belzoni, Miss.	102.53	97.39	1,204,675	1,175,002	130,999
119	First Community Bancorp Rancho Santa Fe, Calif.	102.48	87.01	2,467,828	2,408,039	500,778
120	Sterling Financial Corp. Spokane	102.44	NA	4,948,914	4,831,227	506,685
121	First South Bancorp Inc. Lexington, Tenn.	101.89	102.23	998,082	979,578	82,742
122	Harris Financial Corp. Wilmington, Del.	101.7	93.65	26,658,322	26,212,892	4,398,500
123	Leesport Financial Corp. Wyomissing, Pa.	101.68	98.99	670,800	659,729	94,756
124	Camden National Corp. Maine	101.57	105.39	1,182,175	1,163,905	129,538
125	Wilmington Trust Corp. Del.	101.37	98.21	7,425,089	7,325,053	1,013,011
126	Centennial Bank Holdings Inc. Denver	101.28	108.92	2,074,433	2,048,314	598,967
127	First State Bancorp. Albuquerque	101.05	98.55	1,525,927	1,510,007	160,179
	Comerica Inc. Detroit	101.05	98.79	43,397,721	42,945,508	5,068,314
129	BB&T Corp. Winston-Salem, N.C.	101	100.68	75,023,488	74,281,799	11,129,114
130	United Bankshares Inc. Charleston, W.Va.	100.77	102.9	4,653,153	4,617,475	635,205
131	First United Corp. Oakland, Md.	100.53	107.15	960,960	955,854	92,039
132	Fidelity Southern Corp. Atlanta	100.51	97.93	1,129,777	1,124,013	86,739
133	CoBiz Inc. Denver	100.43	97.15	1,332,668	1,326,953	136,544
134	Smithtown Bancorp Inc. Hauppauge, N.Y.	100.21	110.73	698,421	696,925	55,850
135	Yardville National Bancorp Hamilton, N.J.	100.01	98.49	1,972,840	1,972,717	177,458
136	Western Sierra Bancorp Cameron Park, Calif.	99.85	91.52	1,047,161	1,048,695	130,233
137	AmSouth Bancorp. Birmingham, Ala.	99.82	95.61	36,312,905	36,377,078	3,634,577
138	Regions Financial Corp. Birmingham, Ala.	99.77	101.3	60,247,903	60,388,768	10,614,283
	Citizens Financial Group Inc. Providence, R.I.	99.77	92.94	100,000,266	100,228,087	21,882,948
140	Cardinal Financial Corp. McLean, Va.	99.76	103.78	1,067,312	1,069,872	147,879
141	Minnehaha Banshares Inc. Sioux Falls, S.D.	99.67	111.02	690,325	692,630	85,332
142	TD Banknorth Inc. Portland, Maine	99.59	97.18	20,214,259	20,298,266	6,483,873
143	Farmers and Merchants Investment Inc. Lincoln, Neb.	99.44	107.22	1,096,658	1,102,850	165,960
144	Capital City Bank Group Inc. Tallahassee, Fla.	99.37	96.4	2,067,494	2,080,703	305,776
145	STAR Financial Group Inc. Fort Wayne, Ind.	99.35	94.19	1,071,311	1,078,268	143,669
146	First Bancorp Troy, N.C.	99.34	98.48	1,486,510	1,496,428	155,728
147	Great Southern Bancorp Inc. Springfield, Mo.	99.24	104.86	1,538,719	1,550,485	152,802
148	Central Pacific Financial Corp. Honolulu	99.2	93.63	3,613,287	3,642,244	676,234
149	Security Bank Corp. Macon, Ga.	98.97	101.27	1,277,941	1,291,253	179,305
150	NEB Corp. Fond Du Lac, Wis.	98.9	96.35	906,417	916,525	180,402

*Among 500 largest companies that file Y-9C reports with the Federal Reserve.
**Includes leases
Sources:

SNL Financial