Highest Loan/Deposit Ratios Among Bank Holding Companies

June 14, 2010, 3:27 p.m. EDT 1 Min Read

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Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn Dec. 31, 2009. Dollars in thousands Published June 14, 2010
Rank		Loans as a % of deposits		Loans*	Deposits	Equity capital
Rank		Dec. 31	Year earlier	Loans*	Deposits	Equity capital
1	Educational Services of America Inc. Knoxville, Tenn.	997.61%	NA	$1,156,442	$115,921	$210,464
2	MetLife Inc. New York	684.79	942.58%	69,923,043	10,210,816	33,120,700
3	CIT Group Inc. New York	674.26	NA	35,192,375	5,219,423	8,400,000
4	Barclays Group US Inc. Wilmington, Del.	418.08	31,645.58	19,170,519	4,585,399	6,077,924
5	Ally Financial Inc. Detroit	321.41	NA	98,329,000	30,593,000	20,839,000
6	Utrecht-America Holdings Inc. New York	253.14	291.02	14,021,529	5,539,064	296,899
7	American Express Co. New York	204.62	NA	66,018,845	32,264,083	14,405,418
8	First National Banker’s Bankshares Inc. Baton Rouge	175.32	203.33	498,737	284,466	130,683
9	United National Corp. Sioux Falls, S.D.	171.51	187.64	1,265,240	737,727	565,777
10	Discover Financial Services Riverwoods, Ill.	156.05	NA	52,367,683	33,558,915	7,164,502
11	Cass Information Systems Inc. Bridgeton, Mo.	146.61	213.29	641,957	437,876	129,568
12	BBVA PR Holding Corp. San Juan, Puerto Rico	140.60	135.40	3,872,121	2,754,038	532,604
13	New York Community Bancorp Inc. Westbury	126.58	151.73	28,393,123	22,430,641	5,366,902
14	TCF Financial Corp. Wayzata, Minn.	125.54	129.64	14,590,744	11,622,403	1,175,362
15	Texas Capital Bancshares Inc. Dallas	125.01	135.75	5,151,383	4,120,738	481,360
16	First Horizon National Corp. Memphis	124.96	153.42	18,577,107	14,866,958	3,007,304
17	Taunus Corp. New York	124.31	208.43	24,633,000	19,815,000	4,724,000
18	Santander BanCorp Guaynabo, Puerto Rico	124.26	122.65	5,470,403	4,402,540	595,897
19	HSBC North America Holdings Inc. New York	123.99	153.38	204,640,729	165,052,639	26,052,009
20	Doral GP Ltd. San Juan, Puerto Rico	122.54	124.28	5,689,744	4,643,021	3
21	Rockville Financial MHC Inc. Vernon Rockville, Conn.	121.03	123.52	1,373,589	1,134,894	92,340
22	Machias Bancorp MHC Maine	120.28	120.11	864,359	718,638	104,083
23	Norway Bancorp MHC Maine	117.86	117.15	807,141	684,809	90,983
24	Hills Bancorp. Iowa	114.37	121.66	1,541,117	1,347,427	174,675
25	QCR Holdings Inc. Moline, Ill.	114.23	114.71	1,244,320	1,089,323	123,895
26	Investors Bancorp MHC Short Hills, N.J.	114.05	133.03	6,697,020	5,871,843	480,968
27	Pacific Continental Corp. Eugene, Ore.	114.01	132.23	945,731	829,552	165,662
28	Cardinal Financial Corp. McLean, Va.	113.56	109.88	1,472,901	1,297,005	204,507
29	Summit Financial Group Inc. Moorefield, W.Va.	113.47	125.28	1,154,329	1,017,338	90,734
30	Liberty Bancshares Inc. Springfield, Mo.	111.12	118.79	838,533	754,633	73,197
31	First BanCorp. San Juan, Puerto Rico	109.87	99.76	13,920,048	12,669,048	1,599,063
32	Mercantile Bank Corp. Grand Rapids	109.86	116.09	1,539,818	1,401,627	150,104
33	Susquehanna Bancshares Inc. Lititz, Pa.	109.49	106.47	9,827,279	8,975,134	1,981,081
34	M&T Bank Corp. Buffalo	109.46	115.08	51,936,686	47,449,838	7,752,907
35	BTC Financial Corp. Des Moines	109.21	110.36	2,010,142	1,840,575	154,500
36	U.S. Bancorp Minneapolis	108.89	118.08	199,527,000	183,242,000	25,963,000
37	Lakeland Financial Corp. Warsaw, Ind.	108.77	97.26	2,013,531	1,851,125	279,994
38	State Bankshares Inc. Fargo, N.D.	108.04	107.73	1,779,311	1,646,935	151,557
39	Paragon Commercial Corp. Raleigh	107.09	98.66	992,685	926,956	71,297
40	PlainsCapital Corp. Dallas	106.89	108.15	3,503,971	3,278,039	422,500
41	First Independent Investment Group Inc. Vancouver, Wash.	106.79	113.64	815,847	763,990	129,972
42	Macatawa Bank Corp. Holland, Mich.	106.72	106.60	1,511,465	1,416,337	87,991
43	Beacon Bancorp Taunton, Mass.	106.70	116.32	899,573	843,108	169,077
44	Ida Grove Bancshares Inc. Iowa	106.67	116.94	885,939	830,561	89,290
45	Wilmington Trust Corp. Del.	106.42	112.26	9,207,878	8,652,341	1,306,735
46	Marshall & Ilsley Corp. Milwaukee	106.37	121.58	44,217,626	41,568,846	6,974,456
47	Home BancShares Inc. Conway, Ark.	106.26	105.86	1,950,285	1,835,423	464,973
48	Comerica Inc. Dallas	106.18	119.90	42,189,723	39,732,727	7,026,551
49	PacWest Bancorp San Diego	106.16	114.73	4,348,279	4,096,059	506,773
50	Fremont Bancorp. Calif.	105.96	116.48	1,863,644	1,758,822	116,532
51	SCBT Financial Corp. Columbia, S.C.	105.52	108.29	2,220,801	2,104,639	282,819
52	Cascade Financial Corp. Everett, Wash.	105.13	124.57	1,199,113	1,140,562	134,450
53	Crescent Financial Corp. Cary, N.C.	105.08	109.84	759,348	722,625	89,521
54	FSB Mutual Holdings Inc. Perkasie, Pa.	104.82	103.86	723,012	689,738	154,047
55	First Connecticut Bancorp Inc. Farmington	104.49	103.19	1,054,660	1,009,341	94,100
56	Bar Harbor Bankshares Maine	104.42	109.58	669,492	641,173	113,514
57	BancWest Corp. San Francisco	104.29	118.40	52,491,121	50,330,085	7,492,236
58	Lauritzen Corp. Omaha	104.25	111.38	656,890	630,124	473,751
59	Hawthorn Bancshares Inc. Lee’s Summit, Mo.	103.69	105.63	991,614	956,323	107,771
60	First Bancorp Inc. Damariscotta, Maine	103.54	105.92	955,367	922,666	147,938
61	S&T Bancorp Inc. Indiana, Pa.	103.02	110.54	3,404,407	3,304,541	553,318
62	Southwest Bancorp Inc. Stillwater, Okla.	102.90	117.03	2,667,833	2,592,730	309,778
63	Salem Five Bancorp Mass.	102.78	101.33	1,848,871	1,798,856	249,013
64	Spirit Bankcorp Inc. Bristow, Okla.	102.52	106.32	1,142,795	1,114,702	106,840
65	Hanmi Financial Corp. Los Angeles	102.51	109.49	2,819,060	2,749,971	149,744
66	Virginia Commerce Bancorp Inc. Arlington	102.35	106.61	2,281,708	2,229,327	218,868
67	Olney Bancshares of Texas Inc.	102.24	102.89	1,360,613	1,330,778	158,476
68	First Commonwealth Financial Corp. Indiana, Pa.	102.19	103.18	4,636,501	4,537,177	638,811
69	Bank of Florida Corp. Naples, Fla.	102.17	109.35	1,213,033	1,187,318	82,611
70	Camden National Corp. Maine	102.07	100.76	1,526,758	1,495,807	190,561
71	Taylor Capital Group Inc. Rosemont, Ill.	101.97	103.26	3,035,328	2,976,800	258,806
72	First Bancorp Inc. Lebanon, Va.	101.92	106.71	964,176	946,018	91,535
73	Central Bancshares Inc. Lexington, Ky.	101.90	101.18	1,737,764	1,705,340	150,979
74	Lakeside Bancorp Inc. Chicago	101.65	109.52	973,292	957,455	89,659
75	Smithtown Bancorp Inc. Hauppauge, N.Y.	101.56	123.54	2,107,346	2,075,028	135,755
76	Boston Private Financial Holdings Inc.	101.43	112.03	4,319,754	4,258,647	651,154
77	Carolina Financial Corp. Charleston, S.C.	101.37	113.30	774,891	764,422	56,138
78	Bancorp Rhode Island Inc. Providence	101.36	103.39	1,113,305	1,098,367	121,584
79	Sterling Financial Corp. Spokane	101.11	109.07	7,878,040	7,791,403	323,248
80	Big Sandy Holding Co. Longmont, Colo.	101.05	115.99	1,124,546	1,112,818	73,613
81	S.Y. Bancorp Inc. Louisville	101.02	106.45	1,432,854	1,418,389	153,615
82	Independent Bank Corp. Rockland, Mass.	100.95	103.09	3,408,614	3,376,599	412,649
83	Capital Bank Corp. Raleigh	100.85	95.33	1,390,302	1,378,522	139,786
84	Glacier Bancorp Inc. Kalispell, Mont.	100.73	126.81	4,130,245	4,100,156	685,890
	Harris Financial Corp. Wilmington, Del.	100.73	69.86	30,859,187	30,634,511	5,623,527
86	Union First Market Bankshares Corp. Richmond, Va.	100.59	98.76	1,928,504	1,917,256	282,088
87	Patriot Bancshares Inc. Houston	100.44	136.39	995,927	991,589	107,022
88	Washington Trust Bancorp Inc. Westerly, R.I.	100.34	102.83	1,929,577	1,923,068	254,946
89	Wells Fargo & Co. San Francisco	100.24	113.52	827,597,000	825,646,000	111,786,000
90	Franklin Financial Services Corp. Chambersburg, Pa.	100.09	107.66	739,813	739,166	78,766
91	First Chester County Corp. West Chester, Pa.	99.93	101.56	1,109,471	1,110,300	73,569
92	Savannah Bancorp Inc. Ga.	99.92	103.98	883,886	884,569	79,026
93	Fulton Financial Corp. Lancaster, Pa.	99.67	115.04	12,057,808	12,097,914	1,936,482
94	Eastern Virginia Bankshares Inc. Tappahannock	99.56	100.19	853,063	856,856	105,198
95	River Valley Bancorp. Inc. Wausau, Wis.	99.44	100.77	773,213	777,535	66,732
96	First Co Bancorp Inc. Collinsville, Ill.	99.30	96.26	801,372	807,026	83,510
97	Heritage Commerce Corp. San Jose	99.23	108.20	1,080,855	1,089,285	172,305
98	First State Bancorp. Albuquerque	99.18	109.20	2,017,689	2,034,353	47,031
99	Community Trust Bancorp Inc. Pikeville, Ky.	99.00	100.75	2,437,578	2,462,209	321,457
100	RBC Bancorp. USA Raleigh	98.96	102.37	20,136,525	20,348,809	3,433,922
101	Peoplesbancorp MHC Holyoke, Mass.	98.94	128.96	1,026,052	1,037,078	137,805
102	Bank of Highland Park Financial Corp. Ill.	98.85	98.25	1,159,830	1,173,379	79,998
103	Montgomery Bancorp. Inc. Sikeston, Mo.	98.49	103.59	738,786	750,089	47,662
104	Hampton Roads Bankshares Inc. Norfolk	98.47	114.41	2,456,998	2,495,094	204,637
105	Valley National Bancorp Wayne, N.J.	98.41	106.54	9,395,563	9,547,285	1,252,854
106	Bangor Bancorp MHC Maine	98.40	111.78	1,687,457	1,714,979	247,002
107	Banner Corp. Walla Walla, Wash.	98.05	104.83	3,790,121	3,865,550	405,128
	Stark Bank Group Ltd. Fort Dodge, Iowa	98.05	104.01	1,203,927	1,227,816	116,297
109	Citizens Financial Group Inc. Providence, R.I.	97.79	117.27	96,074,607	98,241,557	22,276,019
110	Macon Bancorp Franklin, N.C.	97.61	114.05	772,029	790,923	81,631
111	NewBridge Bancorp Greensboro, N.C.	97.58	96.46	1,463,094	1,499,311	164,604
112	Green Bankshares Inc. Greeneville, Tenn.	97.57	101.38	2,045,340	2,096,368	226,769
113	Bank of Marin Bancorp Novato, Calif.	97.20	104.49	917,748	944,205	109,051
114	SunTrust Banks Inc. Atlanta	97.11	115.62	118,344,667	121,863,566	22,422,659
115	Firstbank Corp. Alma, Mich.	97.09	110.63	1,122,466	1,156,056	146,880
116	Dearborn Bancorp Inc. Mich.	96.77	98.96	839,945	867,955	51,945
117	TriState Capital Holdings Inc. Pittsburgh	96.74	NA	1,294,005	1,337,554	138,995
118	Bank of America Corp. Charlotte	96.72	108.65	960,866,925	993,476,396	231,443,873
119	Zions Bancorp. Salt Lake City	96.71	101.43	40,469,024	41,845,264	5,692,658
120	Washington Banking Co. Oak Harbor, Wash.	96.53	110.46	817,084	846,430	159,521
121	Peoples Bancorp of North Carolina Inc. Newton	96.49	108.34	780,896	809,342	99,223
122	Orrstown Financial Services Inc. Shippensburg, Pa.	96.27	108.33	881,073	915,170	110,886
123	United Bankshares Inc. Charleston, W.Va.	96.16	106.50	5,742,093	5,971,123	761,550
124	KeyCorp Cleveland	96.13	118.72	63,170,299	65,716,360	10,663,517
125	Assabet Valley Bancorp Hudson, Mass.	96.11	112.69	688,740	716,633	75,795
126	First Trust Corp. New Orleans	96.08	91.12	669,009	696,320	63,938
127	Eagle Bancorp Inc. Bethesda, Md.	95.93	112.78	1,400,861	1,460,312	188,321
128	Republic Bancorp Co. Oak Brook, Ill.	95.80	103.32	1,087,609	1,135,233	144,365
129	PrivateBancorp Inc. Chicago	95.59	100.72	9,480,990	9,918,764	1,235,583
130	First Financial Service Corp. Elizabethtown, Ky.	95.55	117.75	1,003,109	1,049,816	85,131
131	Heritage Oaks Bancorp Paso Robles, Calif.	95.54	113.73	740,893	775,465	85,555
132	Stockman Financial Corp. Miles City, Mont.	95.45	97.36	1,213,835	1,271,757	164,577
133	Metropolitan Bank Group Inc. Chicago	95.44	90.66	2,334,748	2,446,275	310,892
134	Marquette Financial Cos. Minneapolis	95.43	111.83	1,344,405	1,408,713	145,048
135	Commonwealth Bankshares Inc. Norfolk	95.39	134.01	1,031,040	1,080,897	80,038
	Fishback Financial Corp. Brookings, S.D.	95.39	98.93	1,240,712	1,300,660	128,831
137	Pacific Capital Bancorp Santa Barbara, Calif.	95.22	87.65	5,185,642	5,446,194	364,603
138	BancPlus Corp. Belzoni, Miss.	95.11	108.62	1,494,914	1,571,758	207,589
139	Inland Bancorp Inc. Oak Brook, Ill.	94.94	107.34	888,360	935,737	87,575
140	Parkway Bancorp Inc. Harwood Heights, Ill.	94.77	94.61	1,985,136	2,094,630	171,412
141	Bryn Mawr Bank Corp. Pa.	94.76	103.80	888,746	937,931	103,936
142	Yadkin Valley Financial Corp. Elkin, N.C.	94.75	107.14	1,726,164	1,821,752	152,266
143	BancIndependent Inc. Sheffield, Ala.	94.73	95.05	743,951	785,322	85,990
	NewAlliance Bancshares Inc. New Haven	94.73	111.24	4,776,706	5,042,269	1,434,953
	Standard Bancshares Inc. Hickory Hills, Ill.	94.73	98.97	1,874,243	1,978,431	251,603
146	Enterprise Financial Services Corp. Clayton, Mo.	94.65	110.43	1,837,503	1,941,417	163,912
147	Coppermark Bancshares Inc. Oklahoma City	94.61	106.60	945,928	999,868	93,801
148	Enterprise Bancorp Inc. Lowell, Mass.	94.55	100.08	1,082,829	1,145,201	107,664
149	First Bancshares Inc. Merrillville, Ind.	94.54	87.74	1,623,554	1,717,400	126,252
150	Independent Bankers Financial Corp. Irving, Texas	94.50	329.12	839,343	888,234	138,075
151	Danvers Bancorp Inc. Mass.	94.47	99.98	1,668,112	1,765,803	285,666
152	Johnson Financial Group Inc. Racine, Wis.	94.43	101.98	4,553,530	4,822,360	338,657
153	First Olathe Bancshares Inc. Overland Park, Kan.	94.37	99.41	1,279,786	1,356,125	32,831
154	Tennessee Commerce Bancorp Inc. Franklin	94.27	96.97	1,171,301	1,242,542	96,292
155	First State Bancshares Inc. Farmington, Mo.	94.24	96.21	750,127	795,949	88,593
156	Tower Bancorp Inc. Harrisburg, Pa.	94.23	99.43	1,146,304	1,216,469	163,933
157	Northwest Financial Corp. Arnolds Park, Iowa	94.22	92.71	977,352	1,037,355	114,539
158	Traditional Bancorp. Inc. Mount Sterling, Ky.	94.17	95.97	723,060	767,795	83,504
159	FNB United Corp. Asheboro, N.C.	94.14	107.04	1,621,240	1,722,128	98,359
160	Old Second Bancorp Inc. Aurora, Ill.	94.02	96.11	2,074,412	2,206,467	197,208
161	Southern Community Financial Corp. Winston-Salem, N.C.	93.85	106.65	1,233,300	1,314,070	121,997
162	Bank of the Ozarks Inc. Little Rock	93.84	86.32	1,904,104	2,028,994	269,028
163	East West Bancorp Inc. Pasadena, Calif.	93.78	101.21	14,095,644	15,031,053	2,284,659
164	Horizon Bancorp Michigan City, Ind.	93.73	105.56	892,020	951,708	114,605
165	NRBC Holding Corp. Chicago	93.57	97.76	1,022,370	1,092,607	101,427
166	Pinnacle Financial Partners Inc. Nashville	93.52	95.67	3,575,823	3,823,599	701,020
167	Lakeland Bancorp Inc. Oak Ridge, N.J.	93.50	98.94	2,017,035	2,157,286	267,986
168	Regions Financial Corp. Birmingham, Ala.	93.47	108.74	92,243,486	98,691,696	17,880,826
169	MetroCorp Bancshares Inc. Houston	93.42	105.72	1,276,943	1,366,839	156,720
170	Sun Bancorp Inc. Vineland, N.J.	93.41	94.60	2,717,647	2,909,268	356,592
171	Four Oaks Fincorp Inc. N.C.	93.36	94.30	715,133	766,021	65,854
	STAR Financial Group Inc. Fort Wayne, Ind.	93.36	103.31	1,229,235	1,316,645	131,543
173	BancorpSouth Inc. Tupelo, Miss.	93.26	102.56	9,857,446	10,569,757	1,276,296
174	Fifth Third Bancorp Cincinnati	93.20	108.51	78,845,858	84,597,721	13,497,358
175	Synovus Financial Corp. Columbus, Ga.	93.16	98.04	25,557,940	27,433,534	2,851,041
176	Peoples Bancorp Lynden, Wash.	92.96	102.91	939,375	1,010,484	104,863
177	Farmers & Merchants Investment Inc. Lincoln, Neb.	92.95	100.39	2,096,011	2,254,998	209,837
178	Minnwest Corp. Montevideo, Minn.	92.81	103.80	1,331,371	1,434,571	142,578
179	First Merchants Corp. Muncie, Ind.	92.68	100.20	3,277,824	3,536,536	463,785
180	Cathay General Bancorp El Monte, Calif.	92.55	109.15	6,945,629	7,505,040	1,304,244
181	Dacotah Banks Inc. Aberdeen, S.D.	92.54	91.00	1,338,006	1,445,833	156,390
182	First National Bank Group Inc. Edinburg, Texas	92.51	87.54	2,694,116	2,912,259	169,141
183	Shore Bancshares Inc. Easton, Md.	92.49	105.11	916,557	990,937	127,810
184	First Citizens Banc Corp Sandusky, Ohio	92.38	98.36	790,818	856,052	98,797
185	BB&T Corp. Winston-Salem, N.C.	92.36	100.01	106,207,386	114,991,286	16,190,879
	Porter Bancorp Inc. Louisville	92.36	104.78	1,413,252	1,530,096	169,334
187	CNLBancshares Inc. Orlando	92.32	113.13	1,262,431	1,367,483	148,868
	FirstMerit Corp. Akron	92.32	97.87	6,940,475	7,517,544	1,065,627
189	Nara Bancorp Inc. Los Angeles	92.28	108.75	2,246,190	2,434,189	367,975
190	Prosperity Banking Co. St. Augustine, Fla.	92.23	87.29	621,721	674,091	26,346
191	Whitney Holding Corp. New Orleans	92.19	98.24	8,437,188	9,151,588	1,681,064
192	Capitol Bancorp Ltd. Lansing, Mich.	92.17	105.52	4,065,343	4,410,633	188,236
193	Renasant Corp. Tupelo, Miss.	92.13	109.74	2,373,364	2,576,100	410,122
194	Bancorp Inc. Wilmington, Del.	92.10	95.02	1,523,722	1,654,509	245,203
195	Centra Financial Holdings Inc. Morgantown, W.Va.	92.02	101.46	1,025,445	1,114,346	105,144
196	Stearns Financial Services Inc. St. Cloud, Minn.	92.01	107.91	1,059,843	1,151,862	179,190
197	AmeriServ Financial Inc. Johnstown, Pa.	91.97	101.75	722,904	786,011	107,254
198	CVB Financial Corp. Ontario, Calif.	91.93	106.36	4,080,452	4,438,654	638,228
199	Heritage Financial Corp. Olympia, Wash.	91.91	97.73	773,072	841,132	158,498
200	BBVA USA Bancshares Inc. Houston	91.90	99.61	42,777,077	46,546,480	11,815,517

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 May 26, 2010.

Source:

SNL Financial