Highest Loan/Deposit Ratios Among Bank Holding Companies
December 01, 2009, 2:19 p.m. EST 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies
Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn June 30, 2009. Dollars in thousands | ||||||
---|---|---|---|---|---|---|
Rank | Loans as % of deposits | Loans* | Deposits | Equity capital | ||
June 30 | Year earlier | |||||
1 | Barclays Group US Inc. Wilmington, Del. | 5624.15% | 93655.07% | $21,279,046 | $378,351 | $5,798,712 |
2 | CIT Group Inc. New York | 915.75 | NA | 49,146,784 | 5,366,827 | 6,079,013 |
3 | MetLife Inc. New York | 850.05 | 1,305.53 | 66,362,302 | 7,806,897 | 27,292,505 |
4 | GMAC Inc. Detroit | 402.57 | NA | 103,332,000 | 25,668,000 | 26,046,000 |
5 | Utrecht-America Holdings Inc. New York | 290.81 | 314.94 | 14,146,002 | 4,864,346 | 299,866 |
6 | American Express Co. New York | 243.03 | NA | 63,421,214 | 26,096,229 | 13,420,059 |
7 | Independent Bankers Financial Corp. Irving, Texas | 226.40 | 269.62 | 907,493 | 400,843 | 129,929 |
8 | Taunus Corp. New York | 194.97 | 199.92 | 29,417,000 | 15,088,000 | 2,148,000 |
9 | First National Banker’s Bankshares Inc. Baton Rouge | 173.31 | 445.01 | 496,776 | 286,643 | 130,362 |
10 | United National Corp. Sioux Falls, S.D. | 171.72 | 247.08 | 1,189,592 | 692,733 | 537,998 |
11 | New York Community Bancorp Inc. Westbury | 157.43 | 154.40 | 22,777,756 | 14,468,573 | 4,210,666 |
12 | BBVA PR Holding Corp. San Juan, Puerto Rico | 149.09 | 158.83 | 4,101,376 | 2,750,992 | 520,148 |
13 | HSBC North America Holdings Inc. Mettawa, Ill. | 147.39 | 165.88 | 222,012,684 | 150,631,950 | 27,223,564 |
14 | Doral GP Ltd. San Juan, Puerto Rico | 136.27 | 125.39 | 5,538,456 | 4,064,257 | 3 |
15 | First Horizon National Corp. Memphis | 133.98 | 164.16 | 20,067,782 | 14,978,139 | 3,098,816 |
16 | Republic Bancorp Inc. Louisville | 132.24 | 144.89 | 2,320,465 | 1,754,788 | 309,544 |
17 | Texas Capital Bancshares Inc. Dallas | 130.54 | 112.26 | 4,756,534 | 3,643,598 | 464,026 |
18 | R&G Financial Corp. Hato Rey, Puerto Rico | 129.60 | 139.67 | 5,839,920 | 4,506,188 | 187,562 |
19 | First Chester County Corp. West Chester, Pa. | 126.99 | 107.84 | 1,289,523 | 1,015,434 | 88,201 |
20 | Summit Financial Group Inc. Moorefield, W.Va. | 123.74 | 133.11 | 1,180,747 | 954,223 | 83,753 |
21 | Santander BanCorp Guaynabo, Puerto Rico | 123.65 | 113.72 | 5,707,429 | 4,615,744 | 559,324 |
22 | Cascade Financial Corp. Everett, Wash. | 122.11 | 120.06 | 1,223,516 | 1,001,945 | 132,320 |
23 | Glacier Bancorp Inc. Kalispell, Mont. | 121.93 | 122.23 | 4,129,039 | 3,386,464 | 689,664 |
24 | Pacific Continental Corp. Eugene, Ore. | 121.26 | 132.83 | 965,296 | 796,056 | 119,360 |
25 | PacWest Bancorp San Diego | 119.99 | 122.29 | 3,905,407 | 3,254,653 | 464,097 |
26 | Machias Bancorp MHC Maine | 119.91 | 105.76 | 848,478 | 707,577 | 97,935 |
27 | Commonwealth Bankshares Inc. Norfolk | 119.90 | 131.47 | 1,055,624 | 880,398 | 106,984 |
28 | Rockville Financial MHC Inc. Conn. | 119.88 | 118.13 | 1,344,997 | 1,121,983 | 87,320 |
29 | TCF Financial Corp. Wayzata, Minn. | 119.68 | 127.30 | 13,962,656 | 11,666,548 | 1,142,535 |
30 | First Financial Service Corp. Elizabethtown, Ky. | 119.60 | 107.57 | 981,852 | 820,978 | 93,021 |
31 | QCR Holdings Inc. Moline, Ill. | 119.13 | 122.16 | 1,225,850 | 1,029,036 | 125,541 |
32 | PlainsCapital Corp. Dallas | 118.66 | 113.54 | 3,477,770 | 2,930,959 | 422,429 |
33 | Stifel Financial Corp. St. Louis | 118.51 | 300.78 | 557,511 | 470,430 | 702,703 |
34 | Patriot Bancshares Inc. Houston | 117.82 | 107.55 | 974,794 | 827,340 | 93,580 |
35 | Marshall & Ilsley Corp. Milwaukee | 117.51 | 122.45 | 48,183,144 | 41,003,969 | 6,583,771 |
36 | Wilmington Trust Corp. Del. | 116.87 | 107.50 | 9,246,178 | 7,911,797 | 1,310,681 |
37 | State Bankshares Inc. Fargo, N.D. | 116.74 | 115.16 | 1,777,829 | 1,522,879 | 164,809 |
38 | U.S. Bancorp Minneapolis | 115.55 | 125.57 | 189,368,000 | 163,883,000 | 24,171,000 |
Mercantile Bank Corp. Grand Rapids, Mich. | 115.55 | 119.17 | 1,708,524 | 1,478,633 | 181,693 | |
40 | Fremont Bancorp. Calif. | 115.25 | 107.45 | 1,949,491 | 1,691,531 | 114,506 |
Cardinal Financial Corp. McLean, Va. | 115.25 | 110.17 | 1,430,868 | 1,241,580 | 196,599 | |
42 | Hampton Roads Bankshares Inc. Norfolk | 114.13 | 113.51 | 2,598,639 | 2,276,953 | 299,231 |
43 | BancWest Corp. San Francisco | 113.73 | 116.06 | 54,259,763 | 47,709,283 | 7,546,356 |
44 | Comerica Inc. Dallas | 113.23 | 122.15 | 46,589,042 | 41,146,963 | 7,088,584 |
45 | Investors Bancorp MHC Short Hills, N.J. | 112.91 | 117.54 | 6,248,937 | 5,534,221 | 462,459 |
46 | Harris Financial Corp. Wilmington, Del. | 112.83 | 128.60 | 32,977,166 | 29,227,362 | 4,866,244 |
47 | M&T Bank Corp. Buffalo | 112.75 | 117.15 | 52,714,644 | 46,754,707 | 7,400,164 |
48 | South Plains Financial Inc. Lubbock | 112.45 | 130.68 | 1,756,580 | 1,562,149 | 136,408 |
49 | First Regional Bancorp Century City, Calif. | 111.74 | 116.72 | 2,246,024 | 2,010,005 | 129,724 |
50 | First Independent Investment Group Inc. Vancouver, Wash. | 111.53 | 122.36 | 855,609 | 767,166 | 122,128 |
51 | Spirit Bankcorp Inc. Bristow, Okla. | 111.44 | 106.15 | 1,258,465 | 1,129,319 | 109,498 |
52 | Southwest Bancorp Inc. Stillwater, Okla. | 111.34 | 110.39 | 2,730,332 | 2,452,295 | 305,416 |
53 | CoBiz Financial Inc. Denver | 110.98 | 118.72 | 1,951,775 | 1,758,634 | 193,132 |
54 | Smithtown Bancorp Inc. Hauppauge, N.Y. | 110.50 | 121.68 | 1,970,527 | 1,783,339 | 153,386 |
55 | Hills Bancorp. Iowa | 110.41 | 122.42 | 1,498,711 | 1,357,458 | 164,613 |
56 | SunTrust Banks Inc. Atlanta | 110.14 | 109.62 | 130,847,290 | 118,801,471 | 22,838,623 |
57 | Susquehanna Bancshares Inc. Lititz, Pa. | 109.86 | 102.66 | 9,916,618 | 9,026,228 | 1,949,840 |
58 | Crescent Financial Corp. Cary, N.C. | 109.66 | 113.42 | 775,301 | 707,025 | 121,227 |
59 | S&T Bancorp Inc. Indiana, Pa. | 109.63 | 111.34 | 3,459,771 | 3,155,852 | 533,094 |
60 | Ida Grove Bancshares Inc. Iowa | 109.22 | 119.01 | 896,302 | 820,643 | 85,415 |
61 | RBC Bancorp. USA Raleigh | 109.08 | 100.77 | 21,106,334 | 19,349,888 | 3,767,202 |
62 | Dearborn Bancorp Inc. Mich. | 108.99 | 114.65 | 886,265 | 813,167 | 87,877 |
63 | First BanCorp. San Juan, Puerto Rico | 108.82 | 105.85 | 13,097,028 | 12,035,426 | 1,840,686 |
64 | Lakeland Financial Corp. Warsaw, Ind. | 108.80 | 104.44 | 1,887,849 | 1,735,136 | 212,105 |
65 | First Bancorp Inc. Lebanon, Va. | 108.63 | 109.79 | 922,284 | 849,026 | 87,896 |
66 | Bank of Florida Corp. Naples | 108.59 | 117.71 | 1,267,349 | 1,167,052 | 180,803 |
67 | Enterprise Financial Services Corp. Clayton, Mo. | 108.42 | 110.86 | 1,907,344 | 1,759,263 | 166,224 |
68 | Paragon Commercial Corp. Raleigh | 108.22 | 99.20 | 960,768 | 887,753 | 71,524 |
69 | Pacific Capital Bancorp Santa Barbara, Calif. | 108.02 | 122.69 | 5,667,448 | 5,246,807 | 413,409 |
70 | First Bancorp Inc. Damariscotta, Maine | 107.83 | 113.29 | 985,498 | 913,949 | 146,198 |
71 | Peoplesbancorp MHC Holyoke, Mass. | 107.71 | 125.22 | 1,061,479 | 985,511 | 130,980 |
72 | Home BancShares Inc. Conway, Ark. | 107.68 | 102.60 | 1,972,704 | 1,832,065 | 343,354 |
73 | Green Bankshares Inc. Greeneville, Tenn. | 107.36 | 103.58 | 2,187,388 | 2,037,385 | 233,192 |
74 | Firstbank Corp. Alma, Mich. | 106.99 | 113.42 | 1,132,867 | 1,058,895 | 147,931 |
75 | Sterling Financial Corp. Spokane | 106.89 | 118.19 | 8,894,371 | 8,320,953 | 1,096,459 |
76 | Horizon Bancorp Michigan City, Ind. | 106.73 | 107.09 | 905,223 | 848,150 | 107,194 |
77 | Montgomery Bancorp. Inc. Sikeston, Mo. | 106.32 | 109.95 | 765,267 | 719,757 | 48,277 |
78 | Boston Private Financial Holdings Inc. | 106.26 | 125.61 | 5,589,356 | 5,260,010 | 644,535 |
79 | Guaranty Bancorp Denver | 106.16 | 105.15 | 1,656,822 | 1,560,738 | 153,607 |
Beacon Bancorp Taunton, Mass. | 106.16 | 113.86 | 892,166 | 840,414 | 161,586 | |
81 | Stearns Financial Services Inc. St. Cloud, Minn. | 106.12 | 131.26 | 822,691 | 775,239 | 166,747 |
82 | W.T.B. Financial Corp. Spokane | 106.09 | 110.12 | 3,260,144 | 3,073,057 | 400,386 |
83 | Eagle Bancorp Inc. Bethesda, Md. | 106.06 | 114.05 | 1,323,896 | 1,248,243 | 145,248 |
84 | Stockman Financial Corp. Miles City, Mont. | 105.95 | 95.88 | 1,179,079 | 1,112,838 | 157,806 |
85 | S.Y. Bancorp Inc. Louisville | 105.77 | 104.96 | 1,414,276 | 1,337,080 | 149,524 |
86 | PrivateBancorp Inc. Chicago | 105.73 | 104.42 | 8,752,751 | 8,278,150 | 1,079,228 |
87 | Wells Fargo & Co. San Francisco | 105.68 | 125.19 | 869,018,000 | 822,306,000 | 114,623,000 |
88 | Independent Bank Corp. Ionia, Mich. | 105.52 | 124.17 | 2,510,019 | 2,378,650 | 175,286 |
89 | KeyCorp Cleveland | 105.48 | 120.53 | 71,711,747 | 67,986,111 | 10,851,254 |
90 | Inland Bancorp Inc. Oak Brook, Ill. | 105.27 | 110.50 | 878,979 | 834,950 | 86,210 |
91 | Frontier Financial Corp. Everett, Wash. | 105.14 | 115.50 | 3,416,220 | 3,249,351 | 269,486 |
92 | SCBT Financial Corp. Columbia, S.C. | 105.03 | 110.14 | 2,290,015 | 2,180,366 | 279,752 |
93 | Bar Harbor Bankshares Maine | 104.79 | 106.46 | 665,370 | 634,959 | 85,413 |
94 | Stark Bank Group Ltd. Fort Dodge, Iowa | 104.66 | 104.78 | 1,388,770 | 1,326,966 | 124,025 |
95 | Fifth Third Bancorp Cincinnati | 104.59 | 111.38 | 84,768,267 | 81,048,536 | 13,699,933 |
96 | Orrstown Financial Services Inc. Shippensburg, Pa. | 104.49 | 111.16 | 845,472 | 809,122 | 106,425 |
97 | Citizens Financial Group Inc. Providence, R.I. | 104.41 | 114.35 | 104,136,866 | 99,735,711 | 20,437,369 |
98 | Banner Corp. Walla Walla, Wash. | 104.35 | 105.76 | 3,913,081 | 3,749,843 | 409,474 |
99 | Lauritzen Corp. Omaha | 104.32 | 112.91 | 674,980 | 647,015 | 451,393 |
100 | Carolina Financial Corp. Charleston, S.C. | 104.05 | 98.80 | 814,340 | 782,644 | 52,518 |
101 | MB Financial Inc. Chicago | 104.04 | 99.39 | 6,485,359 | 6,233,525 | 1,046,790 |
102 | First Financial Bancorp. Cincinnati | 103.84 | 96.40 | 2,899,147 | 2,791,845 | 446,636 |
103 | Central Bancorp Inc. Garland, Texas | 103.65 | 106.86 | 868,074 | 837,482 | 83,542 |
104 | Regions Financial Corp. Birmingham, Ala. | 103.59 | 110.32 | 98,138,538 | 94,734,683 | 18,736,857 |
105 | Virginia Commerce Bancorp Inc. Arlington | 103.58 | 105.46 | 2,269,864 | 2,191,474 | 243,013 |
106 | Valley National Bancorp Wayne, N.J. | 103.49 | 108.07 | 9,645,973 | 9,320,447 | 1,318,896 |
107 | Assabet Valley Bancorp Hudson, Mass. | 103.45 | 109.03 | 706,472 | 682,934 | 73,122 |
108 | BBVA USA Bancshares Inc. Houston | 103.41 | 100.62 | 37,725,424 | 36,479,997 | 12,776,545 |
109 | Fulton Financial Corp. Lancaster, Pa. | 103.35 | 117.67 | 12,109,257 | 11,716,297 | 1,872,928 |
110 | Lakeside Bancorp Inc. Chicago | 103.34 | 114.28 | 974,599 | 943,107 | 90,260 |
111 | Big Sandy Holding Co. Longmont, Colo. | 103.17 | 124.23 | 1,191,056 | 1,154,437 | 71,861 |
112 | Macon Bancorp Franklin, N.C. | 103.05 | 116.41 | 797,777 | 774,161 | 88,108 |
113 | Bancorp Rhode Island Inc. Providence | 103.03 | 101.88 | 1,117,655 | 1,084,749 | 149,188 |
114 | Bank of America Corp. Charlotte | 103.00 | 113.49 | 1,001,372,926 | 972,201,429 | 255,152,421 |
115 | United Bankshares Inc. Charleston, W.Va. | 102.90 | 106.89 | 5,902,347 | 5,735,919 | 756,383 |
116 | Macatawa Bank Corp. Holland, Mich. | 102.88 | 109.00 | 1,622,706 | 1,577,310 | 116,634 |
117 | First Olathe Bancshares Inc. Overland Park, Kan. | 102.85 | 108.37 | 1,377,190 | 1,339,017 | 76,956 |
118 | Hawthorn Bancshares Inc. Lee’s Summit, Mo. | 102.64 | 108.25 | 1,010,088 | 984,144 | 106,585 |
119 | Camden National Corp. Maine | 102.60 | 108.35 | 1,515,134 | 1,476,798 | 177,229 |
120 | Minnwest Corp. Montevideo, Minn. | 102.52 | 108.24 | 1,415,921 | 1,381,105 | 152,664 |
121 | First Chicago Bancorp | 102.42 | 110.07 | 994,757 | 971,239 | 79,861 |
122 | First State Bancorp. Albuquerque | 102.18 | 103.13 | 2,245,904 | 2,197,894 | 129,201 |
123 | CNLBancshares Inc. Orlando | 101.95 | 120.15 | 1,367,377 | 1,341,252 | 156,699 |
124 | Synovus Financial Corp. Columbus, Ga. | 101.86 | 106.18 | 27,933,298 | 27,423,814 | 3,018,361 |
125 | Wilshire Bancorp Inc. Los Angeles | 101.85 | 114.03 | 2,499,707 | 2,454,253 | 269,158 |
126 | Savannah Bancorp Inc. Ga. | 101.80 | 103.90 | 862,300 | 847,037 | 78,980 |
127 | Peoples Bancorp of North Carolina Inc. Newton | 101.77 | 104.66 | 780,937 | 767,355 | 98,459 |
128 | First Mariner Bancorp Baltimore | 101.68 | 103.97 | 1,114,370 | 1,095,926 | 42,143 |
129 | Heritage Commerce Corp. San Jose | 101.60 | 104.23 | 1,182,172 | 1,163,547 | 174,582 |
130 | Independent Bank Corp. Rockland, Mass. | 101.53 | 103.99 | 3,376,530 | 3,325,802 | 397,560 |
131 | Reliance Bancshares Inc. Frontenac, Mo. | 101.31 | 114.63 | 1,223,414 | 1,207,572 | 171,844 |
132 | First Commonwealth Financial Corp. Indiana, Pa. | 101.06 | 95.33 | 4,536,771 | 4,489,236 | 633,310 |
133 | FNB United Corp. Asheboro, N.C. | 101.04 | 107.31 | 1,656,770 | 1,639,755 | 192,727 |
134 | Midwest Banc Holdings Inc. Melrose Park, Ill. | 100.82 | 106.88 | 2,559,257 | 2,538,490 | 219,671 |
135 | Washington Trust Bancorp Inc. Westerly, R.I. | 100.72 | 106.14 | 1,897,393 | 1,883,746 | 242,293 |
136 | Camco Financial Corp. Cambridge, Ohio | 100.63 | 109.02 | 719,414 | 714,905 | 71,930 |
137 | NewAlliance Bancshares Inc. New Haven | 100.47 | 113.90 | 4,905,941 | 4,883,187 | 1,407,248 |
138 | Southern Community Financial Corp. Winston-Salem, N.C. | 100.43 | 105.73 | 1,259,268 | 1,253,879 | 133,699 |
139 | Olney Bancshares of Texas Inc. | 100.41 | 94.41 | 1,305,081 | 1,299,762 | 154,449 |
140 | NEB Corp. Fond Du Lac, Wis. | 100.40 | 105.59 | 990,392 | 986,465 | 236,216 |
141 | FSB Mutual Holdings Inc. Perkasie, Pa. | 100.31 | 97.87 | 709,022 | 706,813 | 151,700 |
142 | Salem Five Bancorp Mass. | 100.26 | 105.05 | 1,898,058 | 1,893,151 | 235,127 |
143 | Indiana Community Bancorp Columbus, Ind. | 100.05 | 110.99 | 779,915 | 779,493 | 88,929 |
144 | Porter Bancorp Inc. Louisville | 99.84 | 105.94 | 1,362,059 | 1,364,192 | 166,143 |
145 | BancPlus Corp. Belzoni, Miss. | 99.82 | 102.62 | 1,468,164 | 1,470,798 | 206,384 |
146 | First Merchants Corp. Muncie, Ind. | 99.62 | 105.52 | 3,577,299 | 3,590,923 | 473,378 |
147 | Bank of Highland Park Financial Corp. Ill. | 99.49 | 96.40 | 1,173,709 | 1,179,671 | 80,520 |
148 | Community Trust Bancorp Inc. Pikeville, Ky. | 99.45 | 99.87 | 2,380,855 | 2,393,953 | 314,774 |
149 | Huntington Bancshares Inc. Columbus, Ohio | 99.42 | 108.39 | 39,035,502 | 39,264,577 | 5,219,218 |
150 | Coppermark Bancshares Inc. Oklahoma City | 99.40 | 105.20 | 985,833 | 991,742 | 89,925 |
Among 500 top-tier bank holding companies that file Y-9C reports with the Federal Reserve. *Includes leases. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of Nov. 20, 2009.
Source: SNL Financial, Charlottesville, Va.
© 2009 American Banker