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Highest Loan/Deposit Ratios Among Bank Holding Companies

March 01, 2010, 11:24 a.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 Sept. 30, 2009. Dollars in thousands
Published March 1, 2010
Rank   Loans as a % of deposits Loans* Deposits Equity capital
Sept. 30 Year earlier
1 CIT Group Inc. New York 875.00% NA $45,692,838 $5,222,027 $5,085,753
2 Barclays Group US Inc. Wilmington, Del. 803.32 51,679.16% 20,604,306 2,564,907 5,722,713
3 MetLife Inc. New York 762.54 1,131.66 63,839,806 8,372,043 34,267,830
4 GMAC Inc. Detroit 363.94 NA 103,388,000 28,408,000 24,941,000
5 Utrecht-America Holdings Inc. New York 273.41 328.79 14,201,331 5,194,139 313,133
6 American Express Co. New York 213.08 NA 63,092,812 29,609,286 13,942,921
7 Independent Bankers Financial Corp. Irving, Tex. 192.99 322.09 855,976 443,525 135,839
8 United National Corp. Sioux Falls, S.D. 171.94 229.00 1,235,519 718,573 578,414
9 First National Banker's Bankshares Inc. Baton Rouge 165.89 518.93 495,048 298,412 131,591
10 Taunus Corp. New York 158.68 268.61 26,931,000 16,972,000 3,014,000
11 New York Community Bancorp Inc. Westbury 158.06 148.87 23,039,284 14,576,276 4,340,539
12 BBVA PR Holding Corp. San Juan, Puerto Rico 153.31 135.55 4,151,495 2,707,866 517,836
13 Cass Information Systems Inc. Bridgeton, Mo. 137.83 233.69 620,843 450,456 126,512
14 Republic Bancorp Inc. Louisville 137.12 129.11 2,301,510 1,678,433 314,923
15 R & G Financial Corp. Hato Rey, Puerto Rico 134.51 142.86 5,721,623 4,253,709 187,127
16 First Horizon National Corp. Memphis 133.66 161.99 19,028,148 14,235,800 3,075,045
17 HSBC North America Holdings Inc. New York 133.48 155.43 215,225,674 161,240,389 27,164,447
18 Doral GP Ltd. San Juan, Puerto Rico 131.81 127.00 5,556,152 4,215,314 3
19 Santander BanCorp Guaynabo, Puerto Rico 125.35 114.83 5,563,216 4,438,247 575,689
20 Machias Bancorp MHC Maine 124.07 101.52 841,965 678,630 103,114
21 Texas Capital Bancshares Inc. Dallas 123.60 123.45 4,840,829 3,916,568 474,044
22 TCF Financial Corp. Wayzata, Minn. 122.74 132.47 14,329,264 11,674,686 1,176,235
23 Summit Financial Group Inc. Moorefield, W.Va. 120.67 123.48 1,170,503 970,022 91,937
24 Rockville Financial MHC Inc. Vernon Rockville, Conn. 120.64 126.85 1,368,068 1,134,014 89,427
25 Wilmington Trust Corp. Del. 119.90 110.68 9,154,942 7,635,703 1,314,470
26 Cascade Financial Corp. Everett, Wash. 118.67 121.76 1,227,517 1,034,431 136,558
27 First Chester County Corp. West Chester, Pa. 116.11 106.23 1,145,023 986,114 79,539
28 Pacific Continental Corp. Eugene, Ore. 115.97 129.61 960,189 827,963 120,309
29 Harris Financial Corp. Wilmington, Del. 115.80 105.17 31,390,417 27,106,334 5,286,638
30 Enterprise Financial Services Corp Clayton, Mo. 114.13 115.11 2,115,495 1,853,631 166,671
31 Patriot Bancshares Inc. Houston 114.02 130.11 974,793 854,927 93,852
32 First Independent Investment Group Inc. Vancouver, Wash. 113.96 114.29 835,101 732,776 129,300
33 QCR Holdings Inc. Moline, Ill. 113.22 118.19 1,241,738 1,096,768 126,819
34 Investors Bancorp MHC Short Hills, N.J. 112.96 132.90 6,394,665 5,660,782 471,202
35 State Bankshares Inc. Fargo, N.D. 112.70 108.22 1,772,141 1,572,412 152,720
36 Glacier Bancorp Inc. Kalispell, Mont. 112.05 129.17 4,046,252 3,611,018 698,103
37 First BanCorp. San Juan, Puerto Rico 111.60 98.76 13,724,882 12,298,790 1,698,843
38 M&T Bank Corp. Buffalo 111.40 114.57 52,203,772 46,861,851 7,612,363
39 Mercantile Bank Corp. Grand Rapids 111.25 118.73 1,614,226 1,450,968 177,292
40 U.S. Bancorp Minneapolis 111.20 124.00 188,776,000 169,755,000 25,171,000
41 Cardinal Financial Corp. McLean, Va. 110.91 112.48 1,415,097 1,275,876 203,350
42 PacWest Bancorp San Diego 110.90 123.20 4,489,777 4,048,544 517,549
43 Susquehanna Bancshares Inc. Lititz, Pa. 110.82 102.82 9,863,705 8,900,526 1,979,082
44 Home BancShares Inc. Conway, Ark. 110.71 102.87 1,971,039 1,780,285 446,536
45 Marshall & Ilsley Corp. Milwaukee 110.42 126.27 46,106,314 41,753,839 6,391,374
46 Liberty Bancshares Inc Springfield, Mo. 110.09 119.47 812,314 737,862 71,463
47 Comerica Inc. Dallas 109.91 129.76 43,599,689 39,669,309 7,030,706
48 Southwest Bancorp Inc. Stillwater, Okla. 109.67 114.26 2,712,267 2,473,162 309,118
49 Commonwealth Bankshares Inc. Norfolk 109.58 127.94 1,052,982 960,926 94,552
50 Paragon Commercial Corp. Raleigh 109.25 94.86 976,445 893,762 74,464
51 Hills Bancorp. Iowa 109.09 122.03 1,515,820 1,389,533 170,549
52 Hampton Roads Bankshares Inc. Norfolk 108.66 117.46 2,514,789 2,314,293 286,309
53 Crescent Financial Corp. Cary, N.C. 108.10 108.04 771,996 714,167 123,515
54 PlainsCapital Corp. Dallas 107.11 121.98 3,480,689 3,249,771 431,068
55 Beacon Bancorp Taunton, Mass. 107.08 116.67 895,283 836,103 167,370
56 BancWest Corp. San Francisco 107.01 115.06 53,058,555 49,581,530 7,594,869
57 Ida Grove Bancshares Inc. Iowa 106.77 116.19 894,315 837,633 87,739
58 Lakeland Financial Corp. Warsaw, Ind. 106.70 100.70 1,943,046 1,821,031 219,624
59 Bar Harbor Bankshares Maine 105.74 107.96 654,604 619,097 94,405
60 First Financial Service Corp. Elizabethtown, Ky. 105.35 112.30 987,850 937,718 94,165
61 First Bancorp Inc. Lebanon, Va. 105.33 107.59 947,740 899,763 89,346
62 Wells Fargo & Co. San Francisco 105.15 121.46 841,336,000 800,108,000 122,150,000
63 S&T Bancorp Inc. Indiana, Pa. 105.08 114.26 3,446,347 3,279,784 541,682
64 Boston Private Financial Holdings Inc. 104.96 118.44 4,348,681 4,143,100 615,676
65 Firstbank Corp. Alma, Mich. 104.93 111.80 1,127,733 1,074,760 149,156
66 SCBT Financial Corp. Columbia, S.C. 104.81 107.13 2,229,480 2,127,119 281,783
67 Lauritzen Corp. Omaha 104.36 113.00 657,631 630,179 439,753
68 Big Sandy Holding Co. Longmont, Colo. 104.08 125.16 1,145,769 1,100,859 74,128
69 S.Y. Bancorp Inc. Louisville 104.04 104.18 1,417,358 1,362,287 153,265
70 RBC Bancorp. (USA) Raleigh 103.91 101.94 20,509,734 19,738,611 3,930,977
71 Independent Bank Corp. Rockland, Mass. 103.56 101.79 3,400,084 3,283,232 406,575
72 Stockman Financial Corp. Miles City, Mont. 103.52 97.27 1,212,282 1,171,117 163,230
73 First Commonwealth Financial Corp. Indiana, Pa. 103.35 98.10 4,649,034 4,498,477 643,145
74 Peoplesbancorp MHC Holyoke, Mass. 103.33 132.50 1,035,860 1,002,518 137,023
75 Macon Bancorp Franklin, N.C. 103.23 115.63 785,065 760,503 89,838
76 Franklin Financial Services Corp. Chambersburg, Pa. 103.18 107.72 733,161 710,596 77,636
77 South Plains Financial Inc. Lubbock 102.79 127.20 1,741,458 1,694,150 136,695
78 Horizon Bancorp Michigan City, Ind. 102.78 115.13 881,828 857,997 113,833
79 Hawthorn Bancshares Inc. Lee's Summit, Mo. 102.62 107.10 993,452 968,135 108,491
80 Olney Bancshares of Texas Inc. 102.54 101.80 1,325,850 1,293,031 159,357
81 FSB Mutual Holdings Inc. Perkasie, Pa. 102.53 102.96 707,528 690,062 156,210
82 Lakeside Bancorp Inc. Chicago 102.48 120.38 975,380 951,766 90,447
83 Bank of Florida Corp. Naples 102.44 104.01 1,253,257 1,223,369 103,883
84 Bangor Bancorp MHC Maine 102.33 107.77 1,667,710 1,629,719 245,643
85 Bancorp Rhode Island Inc. Providence 102.25 103.75 1,116,627 1,092,032 122,474
86 Orrstown Financial Services Inc. Shippensburg, Pa. 102.16 110.62 867,435 849,093 110,649
87 Taylor Capital Group Inc. Rosemont, Ill. 102.02 95.56 3,114,254 3,052,730 289,020
88 Central Bancshares Inc. Lexington, Ky. 101.95 102.04 1,657,203 1,625,576 144,430
89 Lake Michigan Financial Corp. Holland, Mich. 101.91 102.09 749,709 735,674 60,117
90 First Bancorp Inc. Damariscotta, Maine 101.72 104.69 976,617 960,070 147,614
91 Sterling Financial Corp. Spokane 101.65 114.32 8,432,783 8,295,735 665,848
92 SunTrust Banks Inc. Atlanta 101.45 113.43 121,065,487 119,331,042 22,797,236
93 First Co Bancorp Inc. Collinsville, Ill. 101.39 98.89 792,965 782,092 82,960
94 First Connecticut Bancorp Inc. Farmington 101.34 101.59 996,891 983,746 93,759
95 First National Bank Group Inc. Edinburg, Tex. 101.29 84.96 2,722,266 2,687,676 171,104
96 Fifth Third Bancorp Cincinnati 101.13 111.40 80,479,431 79,578,791 13,687,761
97 Salem Five Bancorp Mass. 101.11 101.94 1,827,549 1,807,522 244,143
98 Washington Trust Bancorp Inc. Westerly, R.I. 101.03 101.89 1,913,664 1,894,203 252,146
99 Washington Banking Co. Oak Harbor 100.96 105.26 819,267 811,452 109,592
100 Banner Corp. Walla Walla, Wash. 100.91 105.50 3,896,194 3,861,175 406,723
101 Valley National Bancorp Wayne, N.J. 100.88 110.26 9,525,631 9,442,471 1,284,102
102 Macatawa Bank Corp. Holland, Mich. 100.87 104.03 1,559,837 1,546,311 97,674
103 BancPlus Corp. Belzoni, Miss. 100.71 108.72 1,477,168 1,466,767 208,003
104 Bank of Choice Holding Co. Greeley, Colo. 100.67 105.92 911,539 905,455 86,486
105 Porter Bancorp Inc. Louisville 100.63 105.54 1,387,359 1,378,656 171,115
106 Camden National Corp. Maine 100.51 100.66 1,520,979 1,513,334 186,771
107 Smithtown Bancorp Inc. Hauppauge, N.Y. 100.49 126.07 2,090,714 2,080,590 157,885
108 Farmers & Merchants Investment Inc. Lincoln, Neb. 100.44 97.37 2,100,008 2,090,775 205,884
109 Stark Bank Group Ltd. Fort Dodge, Iowa 100.36 105.46 1,279,594 1,275,023 123,011
Spirit Bankcorp Inc. Bristow, Okla. 100.36 107.48 1,215,143 1,210,791 110,128
111 Fremont Bancorp. Calif. 100.32 108.01 1,798,322 1,792,632 116,454
112 Capital City Bank Group Inc. Tallahassee, Fla. 100.20 98.02 1,958,032 1,954,083 268,415
113 Fulton Financial Corp. Lancaster, Pa. 100.17 119.95 12,053,012 12,032,680 1,923,763
114 PrivateBancorp Inc. Chicago 100.03 99.97 9,563,779 9,560,778 1,068,303
115 Minnwest Corp. Montevideo, Minn. 100.01 103.44 1,411,718 1,411,535 148,885
116 Community Trust Bancorp Inc. Pikeville, Ky. 99.98 101.24 2,403,451 2,403,954 318,640
117 Citizens Financial Group Inc. Providence, R.I. 99.78 121.36 99,577,333 99,796,105 21,507,076
118 Virginia Commerce Bancorp Inc. Arlington 99.64 105.29 2,226,651 2,234,804 215,994
119 Republic Bancorp Co. Oak Brook, Ill. 99.63 103.59 1,047,676 1,051,568 125,885
120 Hanmi Financial Corp. Los Angeles 99.52 119.48 2,977,504 2,991,952 187,120
121 Regions Financial Corp. Birmingham, Ala. 99.42 111.98 94,334,469 94,889,312 18,492,164
122 KeyCorp Cleveland 99.12 120.79 66,808,571 67,403,402 10,970,349
123 Bryn Mawr Bank Corp. Pa. 99.01 102.78 890,612 899,513 102,047
124 Eagle Bancorp Inc. Bethesda, Md. 98.96 103.17 1,318,157 1,332,015 201,516
125 First Olathe Bancshares Inc. Overland Park, Kan. 98.87 103.00 1,346,047 1,361,405 50,495
126 Heritage Commerce Corp San Jose 98.85 105.41 1,103,544 1,116,374 173,423
127 First State Bancorp. Albuquerque 98.80 110.57 2,125,792 2,151,683 77,664
128 Eastern Virginia Bankshares Inc. Tappahannock 98.75 102.65 844,113 854,785 103,465
129 Inland Bancorp Inc. Oak Brook, Ill. 98.72 105.07 880,874 892,309 88,077
Assabet Valley Bancorp Hudson, Mass. 98.72 111.64 689,337 698,258 75,005
131 Peoples Bancorp of North Carolina Inc. Newton, N.C. 98.68 101.49 783,849 794,318 99,498
132 Bank of America Corp. Charlotte 98.64 110.57 963,624,252 976,898,748 257,682,873
133 BTC Financial Corp. Des Moines 98.59 123.06 1,982,120 2,010,428 157,676
134 Pacific Mercantile Bancorp Costa Mesa, Calif. 98.51 106.17 845,430 858,194 76,378
135 Savannah Bancorp Inc. Ga. 98.46 106.38 867,505 881,111 79,049
136 W.T.B. Financial Corp. Spokane 98.34 107.39 3,152,516 3,205,745 406,148
137 Traditional Bancorp. Inc. Mount Sterling, Ky. 98.33 98.93 717,285 729,491 83,318
138 Carolina Financial Corp. Charleston, S.C. 98.15 116.59 773,295 787,910 54,907
139 Union First Market Bankshares Corp. Richmond, Va. 97.99 104.08 1,927,170 1,966,657 340,231
140 Capital Bank Corp. Raleigh 97.95 99.57 1,357,243 1,385,639 149,525
141 Frontier Financial Corp. Everett, Wash. 97.69 112.57 3,151,004 3,225,475 129,667
142 Reliance Bancshares Inc. Frontenac, Mo. 97.68 111.65 1,191,684 1,220,011 167,220
143 Pacific Capital Bancorp Santa Barbara, Calif. 97.57 118.71 5,391,068 5,525,153 394,761
Guaranty Bancorp Denver 97.57 108.94 1,592,766 1,632,449 195,670
145 First Merchants Corp. Muncie, Ind. 97.48 105.71 3,423,895 3,512,495 475,900
146 CoBiz Financial Inc. Denver 97.24 115.22 1,879,969 1,933,418 234,081
147 American National Corp. Omaha 97.21 101.82 1,255,125 1,291,197 183,380
148 Northwest Financial Corp. Arnolds Park, Iowa 96.96 92.79 967,262 997,580 119,949
149 Yadkin Valley Financial Corp. Elkin, N.C. 96.94 105.02 1,693,237 1,746,745 149,109
150 Independent Bank Corp. Ionia, Mich. 96.93 116.93 2,413,539 2,490,086 158,384
151 Bank of Marin Bancorp Novato, Calif. 96.90 98.79 919,844 949,302 107,416
152 FirstMerit Corp. Akron 96.82 99.44 7,042,305 7,273,532 1,059,209
153 Bank of Kentucky Financial Corp. Crestview Hills 96.73 100.78 1,113,128 1,150,763 138,870
154 Bank of Highland Park Financial Corp. Ill. 96.71 96.60 1,186,866 1,227,192 87,834
155 Southern Community Financial Corp. Winston-Salem, N.C. 96.63 104.85 1,250,808 1,294,471 134,062
156 Zions Bancorp. Salt Lake City 96.57 108.69 41,536,022 43,011,389 5,502,355
Fishback Financial Corp. Brookings, S.D. 96.57 102.09 1,247,936 1,292,196 128,928
158 NewAlliance Bancshares Inc. New Haven 96.56 111.99 4,820,462 4,992,199 1,427,487
159 Tennessee Commerce Bancorp Inc. Franklin 96.46 100.93 1,159,705 1,202,285 92,772
160 East West Bancorp Inc. Pasadena, Calif. 96.44 113.04 8,388,567 8,698,200 1,521,782
161 BancorpSouth Inc. Tupelo, Miss. 96.41 101.94 9,839,106 10,205,604 1,286,220
162 Trustmark Corp. Jackson, Miss. 96.35 99.38 6,619,592 6,870,435 1,221,361
163 United Bankshares Inc. Charleston, W.Va. 96.21 107.41 5,794,414 6,022,682 766,546
164 Dacotah Banks Inc. Aberdeen, S.D. 96.08 93.38 1,329,483 1,383,677 153,990
165 Midwest Banc Holdings Inc. Melrose Park, Ill. 96.04 99.25 2,454,101 2,555,189 180,239
166 Dearborn Bancorp Inc. Mich. 95.91 109.30 867,901 904,954 47,890
167 Whitney Holding Corp. New Orleans 95.69 100.33 8,500,815 8,883,426 1,465,431
168 CNLBancshares Inc. Orlando 95.67 117.12 1,321,924 1,381,777 154,120
169 Colony Bankcorp Inc. Fitzgerald, Ga. 95.62 99.25 970,988 1,015,414 104,067
170 First Bancshares Inc. Merrillville, Ind. 95.36 87.71 1,638,271 1,718,031 124,428
171 Encore Bancshares Inc. Houston 94.96 115.37 1,106,169 1,164,833 186,460
172 First Financial Corp. Terre Haute, Ind. 94.92 97.49 1,639,916 1,727,686 309,223
173 Pinnacle Financial Partners Inc. Nashville 94.85 97.66 3,623,221 3,819,909 710,091
174 Huntington Bancshares Inc. Columbus, Ohio 94.81 110.19 37,816,680 39,886,922 5,674,322
175 Renasant Corp. Tupelo, Miss. 94.75 106.19 2,426,514 2,560,984 410,473
176 STAR Financial Group Inc. Fort Wayne, Ind. 94.72 101.60 1,243,655 1,312,974 136,000
177 First American Bank Corp. Elk Grove Village, Ill. 94.63 107.94 1,891,863 1,999,241 159,869
178 FNB United Corp. Asheboro, N.C. 94.62 105.90 1,629,050 1,721,742 128,603
179 Synovus Financial Corp. Columbus, Ga. 94.55 99.70 26,524,799 28,054,191 3,136,660
Standard Bancshares Inc. Hickory Hills, Ill. 94.55 98.95 1,856,222 1,963,288 255,198
181 Coppermark Bancshares Inc. Oklahoma City 94.52 106.88 965,040 1,020,958 91,406
182 Univest Corp. of Pennsylvania Souderton 94.51 95.65 1,452,567 1,536,903 268,052
183 First Security Group Inc. Chattanooga, Tenn. 94.47 103.97 964,295 1,020,731 145,189
184 Bank of the Ozarks Inc. Little Rock 94.44 89.31 1,931,372 2,045,156 345,954
Green Bankshares Inc. Greeneville, Tenn. 94.44 101.73 2,100,332 2,223,874 227,388
186 StellarOne Corp. Charlottesville, Va. 94.32 97.70 2,268,662 2,405,408 384,927
187 NRBC Holding Corp. Chicago 94.20 NA 974,973 1,034,958 105,317
188 Citizens Republic Bancorp Inc. Flint, Mich. 94.15 105.31 8,278,284 8,792,750 1,403,430
189 Wilshire Bancorp Inc. Los Angeles 94.03 113.60 2,515,352 2,675,104 272,487
190 MetroCorp Bancshares Inc. Houston 93.91 105.67 1,311,538 1,396,634 163,767
191 Enterprise Bancorp Inc. Lowell, Mass. 93.90 96.24 1,058,897 1,127,701 97,458
192 W Holding Co. Inc. Mayaguez, Puerto Rico 93.69 84.28 8,753,696 9,343,339 981,915
193 Centra Financial Holdings Inc. Morgantown, W.Va. 93.62 97.77 1,033,593 1,104,008 103,231
194 F.N.B. Corp. Hermitage, Pa. 93.57 95.78 5,856,465 6,258,783 1,052,589
195 VIST Financial Corp. Wyomissing, Pa. 93.53 111.18 904,917 967,554 125,056
196 BB&T Corp. Winston-Salem, N.C. 93.45 109.34 107,027,357 114,527,025 16,094,703
197 NEB Corp. Fond Du Lac, Wis. 93.43 102.93 977,074 1,045,773 242,846
198 South Financial Group Inc. Greenville, S.C. 93.37 102.55 8,886,165 9,516,930 1,198,700
199 Capitol Bancorp Ltd. Lansing, Mich. 93.25 109.01 4,203,966 4,508,343 237,934
200 Bremer Financial Corp. St. Paul 93.17 109.19 5,618,215 6,029,884 712,045

Among 500 top tier bank holding companies that file Y-9C statements with the Federal Reserve. *Includes leases. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of Feb. 26, 2010.

Source:

SNL Financial
, Charlottesville, Va.
© 2010 American Banker

Banks, thrifts and holding companies