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Highest Loan/Deposit Ratios Among Bank Holding Companies

December 15, 2010, 3:37 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, 2010. Dollars in thousands
Published December 15, 2010
Rank   Loans as a % of deposits Loans* Deposits Equity capital
June 30 Year earlier
1 Educational Services of America Inc. Knoxville, Tenn. 1,049.85% NA $1,173,895 $111,815 $205,960
2 MetLife Inc. New York 786.64 850.05% 77,015,237 9,790,437 39,375,218
3 CIT Group Inc. New York 626.12 915.75 29,483,893 4,708,956 8,632,457
4 Utrecht-America Holdings Inc. New York 401.83 548.37 26,363,020 6,560,738 292,792
5 Barclays Group US Inc. Wilmington, Del. 348.72 5,609.07 21,767,000 6,242,000 7,760,000
6 Ally Financial Inc. Detroit 305.82 402.57 103,098,000 33,712,000 20,773,000
7 American Express Co. New York 270.42 243.03 91,302,561 33,762,674 14,512,673
8 United National Corp. Sioux Falls, S.D. 152.07 171.72 1,250,251 822,129 672,419
9 Cass Information Systems Inc. Bridgeton, Mo. 146.57 169.11 680,701 464,433 137,608
10 Discover Financial Services Riverwoods, Ill. 144.15 96.23 49,729,614 34,497,969 6,068,707
11 HSBC North America Holdings Inc. New York 129.74 147.39 151,375,491 116,679,948 27,106,304
12 New York Community Bancorp Inc. Westbury 129.02 157.43 29,150,807 22,594,812 5,446,434
13 BBVA PR Holding Corp. San Juan, Puerto Rico 127.82 149.09 3,532,300 2,763,538 564,003
14 TCF Financial Corp. Wayzata, Minn. 126.47 119.68 14,639,893 11,575,467 1,462,933
15 Taunus Corp. New York 125.66 194.97 23,172,000 18,440,000 5,407,000
16 Lauritzen Corp. Omaha 121.56 104.32 785,260 645,986 479,707
17 Republic Bancorp Inc. Louisville, Ky 120.89 132.24 2,207,304 1,825,853 365,766
18 Rockville Financial MHC Inc. Vernon Rockville, Conn. 120.55 119.88 1,396,257 1,158,239 101,551
19 Investors Bancorp MHC Short Hills, N.J. 119.43 112.91 7,276,766 6,092,850 501,392
20 Cardinal Financial Corp. McLean, Va. 118.46 115.25 1,598,987 1,349,842 216,623
21 Norway Bancorp MHC Maine 117.33 115.58 819,587 698,552 93,714
22 Santander BanCorp Guaynabo, Puerto Rico 116.49 123.65 5,222,964 4,483,765 634,978
23 First Horizon National Corp. Memphis, Tenn. 116.16 133.98 17,659,936 15,202,477 2,992,068
24 Texas Capital Bancshares Inc. Dallas 110.85 130.54 5,460,562 4,926,141 514,078
25 Hills Bancorp. Iowa 110.64 110.41 1,551,315 1,402,102 181,552
26 BancWest Corp. San Francisco 110.33 113.73 51,670,443 46,830,922 7,690,837
27 Wilmington Trust Corp. Del. 109.42 116.87 8,384,802 7,662,865 1,440,342
28 State Bankshares Inc. Fargo, N.D. 109.06 116.74 1,775,101 1,627,645 153,201
29 Capital One Financial Corp. McLean, Va. 108.88 87.35 127,748,267 117,331,543 25,269,964
30 Smithtown Bancorp Inc. Hauppauge, N.Y. 108.46 110.50 1,978,087 1,823,798 95,645
31 QCR Holdings Inc. Moline, Ill. 108.08 119.13 1,210,801 1,120,256 132,312
32 M&T Bank Corp. Buffalo, N.Y. 107.45 112.75 51,061,286 47,522,671 8,101,844
33 Susquehanna Bancshares Inc. Lititz, Pa. 106.73 109.86 9,787,056 9,170,191 2,092,451
34 Summit Financial Group Inc. Moorefield, W.Va. 106.39 123.74 1,086,390 1,021,139 88,853
35 BTC Financial Corp. Des Moines, Iowa 106.12 98.21 2,059,547 1,940,692 159,981
36 Ida Grove Bancshares Inc. Iowa 105.56 109.22 875,336 829,211 94,738
37 Salem Five Bancorp Mass. 105.55 100.26 1,854,217 1,756,741 256,729
38 Mercantile Bank Corp. Grand Rapids, Mich. 105.26 115.55 1,410,711 1,340,160 139,043
39 U.S. Bancorp Minneapolis 105.21 115.55 192,662,000 183,123,000 28,169,000
40 Liberty Bancshares Inc. Springfield, Mo. 104.89 111.94 833,632 794,754 77,570
41 Lake Michigan Financial Corp. Holland, Mich. 104.66 104.96 765,050 731,009 63,680
42 Southwest Bancorp Inc. Stillwater, Okla. 104.31 111.34 2,550,306 2,444,939 375,319
43 First Chester County Corp. West Chester, Pa. 104.26 127.11 1,034,296 992,027 53,982
44 Marshall & Ilsley Corp. Milwaukee 104.22 117.51 41,317,486 39,644,766 6,746,883
45 Macatawa Bank Corp. Holland, Mich. 104.08 102.88 1,366,312 1,312,701 66,240
46 Franklin Financial Services Corp. Chambersburg, Pa. 103.59 98.97 758,411 732,134 81,157
47 Bank of America Corp. Charlotte, N.C. 103.26 103.00 1,008,813,426 976,953,347 233,173,540
48 S&T Bancorp Inc. Indiana, Pa. 103.02 109.63 3,396,729 3,297,196 566,203
49 Boston Private Financial Holdings Inc. 103.01 106.26 4,514,650 4,382,891 540,666
50 First Connecticut Bancorp Inc. Farmington 102.72 91.39 1,116,337 1,086,795 97,255
51 Machias Bancorp MHC Maine 102.65 119.91 851,322 829,308 105,417
52 Bar Harbor Bankshares Maine 102.48 104.79 684,826 668,285 103,222
53 Spirit Bankcorp Inc. Bristow, Okla. 102.26 111.44 1,134,016 1,108,943 103,914
54 Comerica Inc. Dallas 102.00 113.23 40,631,298 39,833,902 5,791,832
55 FSB Mutual Holdings Inc. Perkasie, Pa. 101.85 100.31 713,326 700,361 155,872
56 Nara Bancorp Inc. Los Angeles 101.77 88.28 2,168,186 2,130,388 351,628
57 Washington Trust Bancorp Inc. Westerly, R.I. 101.61 100.72 1,981,296 1,949,931 265,411
58 S.Y. Bancorp Inc. Louisville, Ky. 100.69 105.77 1,484,119 1,473,883 162,035
59 BB&T Corp. Winston-Salem, N.C. 100.24 98.18 104,718,522 104,467,558 16,675,664
60 Valley National Bancorp Wayne, N.J. 100.19 103.49 9,438,313 9,420,421 1,268,667
61 Home BancShares Inc. Conway, Ark. 99.88 107.68 2,183,772 2,186,492 487,115
62 Taylor Capital Group Inc. Rosemont, Ill. 99.83 99.16 3,037,664 3,042,967 282,755
63 RBC Bancorp. USA Raleigh, N.C. 99.66 109.08 19,269,396 19,334,754 4,666,750
64 Bank of Commerce Holdings Redding, Calif. 99.60 108.68 640,474 643,025 100,478
65 Camden National Corp. Maine 99.57 102.60 1,542,074 1,548,676 199,715
66 Wells Fargo & Co. San Francisco 99.49 105.68 812,245,000 816,409,000 119,772,000
67 PlainsCapital Corp. Dallas 99.40 118.66 3,713,852 3,736,235 434,055
68 Pacific Continental Corp. Eugene, Ore. 99.22 121.26 904,778 911,926 170,758
69 Central Bancshares Inc. Lexington, Ky. 99.09 98.74 1,772,170 1,788,405 154,366
70 Fremont Bancorp. Calif. 98.87 115.25 1,868,692 1,889,987 117,392
71 First BanCorp. San Juan, Puerto Rico 98.82 108.82 12,577,138 12,727,575 1,438,289
72 Capital Bank Corp. Raleigh, N.C. 98.68 93.64 1,352,993 1,371,116 125,479
73 First Bancorp Inc. Damariscotta, Maine 98.52 107.83 935,436 949,501 150,445
74 Crescent Financial Corp. Cary, N.C. 98.41 109.66 710,759 722,237 87,095
75 Lakeside Bancorp Inc. Chicago 98.38 103.34 944,265 959,768 94,654
76 Popular Inc. Hato Rey, Puerto Rico 98.27 92.33 26,646,000 27,114,000 3,603,000
77 First Community Financial Partners Inc. Joliet, Ill. 98.06 94.33 787,746 803,321 92,856
78 Olney Bancshares of Texas Inc. 97.88 100.41 1,347,724 1,376,942 167,791
79 Eastern Virginia Bankshares Inc. Tappahannock 97.86 97.89 844,120 862,595 99,896
80 SunTrust Banks Inc. Atlanta 97.84 110.14 116,110,134 118,668,103 22,915,700
81 Virginia Commerce Bancorp Inc. Arlington 97.66 103.58 2,259,877 2,314,086 230,331
82 Citizens Financial Group Inc. Providence, R.I. 97.60 104.41 91,663,951 93,918,845 22,414,063
83 Farmers and Merchants Investment Inc. Lincoln, Neb. 97.58 97.93 2,037,188 2,087,726 210,972
84 Fulton Financial Corp. Lancaster, Pa. 97.50 103.35 12,036,888 12,345,472 2,231,211
85 Enterprise Financial Services Corp. Clayton, Mo. 97.47 108.42 1,775,844 1,821,995 176,872
86 Sinopac Bancorp Los Angeles 97.45 93.26 1,171,292 1,201,914 231,119
87 Bank of Highland Park Financial Corp. Ill. 97.34 99.49 1,062,444 1,091,502 81,747
88 United Bankshares Inc. Charleston, W.Va. 97.33 102.90 5,464,426 5,614,156 777,575
89 Hawthorn Bancshares Inc. Lee's Summit, Mo. 97.25 102.64 944,653 971,358 108,820
90 Hanmi Financial Corp. Los Angeles 97.22 96.05 2,503,426 2,575,138 73,180
91 Bangor Bancorp MHC Maine 97.18 98.84 1,644,085 1,691,721 259,592
92 KeyCorp Cleveland 97.06 105.48 60,719,515 62,561,833 10,820,596
93 Beacon Bancorp Taunton, Mass. 97.00 106.16 890,271 917,848 169,951
94 Eagle Bancorp Inc. Bethesda, Md. 96.89 106.06 1,528,904 1,578,002 196,904
95 Bancorp Rhode Island Inc. Providence, R.I. 96.80 103.03 1,136,524 1,174,046 129,127
96 Lakeland Financial Corp. Warsaw, Ind. 96.62 108.80 2,059,198 2,131,131 237,963
97 Fishback Financial Corp. Brookings, S.D. 96.48 96.97 1,236,247 1,281,286 135,208
98 Four Oaks Fincorp Inc. N.C. 96.36 97.31 710,626 737,462 67,190
99 Green Bankshares Inc. Greeneville, Tenn. 96.34 107.36 1,929,004 2,002,302 233,150
100 Tennessee Commerce Bancorp Inc. Franklin 96.27 95.30 1,197,059 1,243,456 100,782
101 NewAlliance Bancshares Inc. New Haven, Conn. 95.81 100.47 4,941,764 5,158,017 1,464,171
102 BancIndependent Inc. Sheffield, Ala. 95.54 90.15 761,262 796,808 88,559
103 Fidelity Southern Corp. Atlanta 95.46 94.75 1,492,663 1,563,621 137,143
104 Dearborn Bancorp Inc. Mich. 95.22 108.99 788,097 827,664 29,963
105 Fifth Third Bancorp Cincinnati 95.19 104.59 78,382,363 82,339,362 13,700,706
106 First Bancorp Inc. Lebanon, Va. 95.11 108.63 963,830 1,013,338 96,661
107 Community Trust Bancorp Inc. Pikeville, Ky. 95.00 99.45 2,442,688 2,571,127 330,331
108 Bryn Mawr Bank Corp. Pa. 94.76 98.93 903,544 953,502 134,181
109 Banner Corp. Walla Walla, Wash. 94.60 104.35 3,631,504 3,838,995 553,958
110 Huntington Bancshares Inc. Columbus, Ohio 94.59 99.42 37,736,005 39,895,463 5,437,784
111 Porter Bancorp Inc. Louisville, Ky. 94.57 99.84 1,337,508 1,414,326 196,225
112 Patriot Bancshares Inc. Houston 94.25 117.82 996,931 1,057,781 107,011
113 Republic Bancorp Co. Oak Brook, Ill. 94.16 97.25 1,105,011 1,173,565 153,243
114 Cathay General Bancorp El Monte, Calif. 94.05 98.17 6,852,075 7,285,816 1,424,396
115 Bank of Marin Bancorp Novato, Calif. 94.00 98.59 939,293 999,226 115,968
116 Carolina Financial Corp. Charleston, S.C. 93.96 104.05 721,964 768,414 51,911
117 Bank of the Ozarks Inc. Little Rock, Ark. 93.93 93.63 2,027,596 2,158,571 292,487
118 First Merchants Corp. Muncie, Ind. 93.79 99.62 3,058,946 3,261,340 457,529
119 First Bancshares Inc. Merrillville, Ind. 93.62 92.40 1,641,962 1,753,802 132,914
River Valley Bancorp. Inc. Wausau, Wis. 93.62 103.60 775,682 828,513 68,492
121 Johnson Financial Group Inc. Racine, Wis. 93.61 95.13 4,285,682 4,578,313 342,756
122 Independent Bank Corp. Rockland, Mass. 93.59 101.53 3,444,906 3,680,716 422,062
123 Stockman Financial Corp. Miles City, Mont. 93.57 105.95 1,267,566 1,354,713 176,320
124 First Commonwealth Financial Corp. Indiana, Pa. 93.54 101.06 4,434,291 4,740,705 654,250
125 Union First Market Bankshares Corp. Richmond, Va. 93.48 96.85 2,894,373 3,096,086 422,307
126 First State Bancshares Inc. Farmington, Mo. 93.45 93.06 810,999 867,881 106,438
127 Cascade Financial Corp. Everett, Wash. 93.43 122.11 1,105,865 1,183,681 83,779
128 First Co Bancorp Inc. Collinsville, Ill. 93.39 94.58 804,443 861,399 88,208
129 Heritage Commerce Corp. San Jose, Calif. 93.23 101.60 967,143 1,037,425 185,644
130 Southern Community Financial Corp. Winston-Salem, N.C. 93.22 101.25 1,205,147 1,292,847 116,984
131 Peoples Bancorp Lynden, Wash. 93.21 92.02 930,868 998,729 116,357
132 Shore Bancshares Inc. Easton, Md. 93.19 93.66 905,477 971,608 124,666
133 Commonwealth Bankshares Inc. Norfolk, Va. 93.17 119.90 961,482 1,031,981 76,586
134 Tower Bancorp Inc. Harrisburg, Pa. 93.10 96.10 1,231,060 1,322,342 165,343
135 Firstbank Corp. Alma, Mich. 93.08 106.99 1,082,931 1,163,379 148,206
136 First Trust Corp. New Orleans 93.01 86.66 674,717 725,403 50,496
137 NRBC Holding Corp. Chicago 92.87 93.87 1,037,259 1,116,836 120,383
138 Wintrust Financial Corp. Lake Forest, Ill. 92.82 91.76 9,861,998 10,624,742 1,384,736
139 Dacotah Banks Inc. Aberdeen, S.D. 92.81 93.78 1,367,218 1,473,060 162,448
140 Northwest Financial Corp. Arnolds Park, Iowa 92.77 94.62 943,500 1,016,995 118,395
141 Sun Bancorp Inc. Vineland, N.J. 92.70 95.08 2,745,504 2,961,816 273,161
142 Standard Bancshares Inc. Hickory Hills, Ill. 92.60 96.40 1,864,176 2,013,088 250,433
143 Minnwest Corp. Montevideo, Minn. 92.42 102.52 1,257,787 1,360,896 141,750
144 Bremer Financial Corp. St. Paul, Minn. 92.41 96.86 5,504,336 5,956,604 749,816
145 South Shore Bancorp MHC South Weymouth, Mass. 92.28 94.85 599,272 649,429 89,550
146 Assabet Valley Bancorp Hudson, Mass. 92.14 103.45 692,815 751,903 77,323
147 Lakeland Bancorp Inc. Oak Ridge, N.J. 91.94 94.97 1,995,488 2,170,501 277,862
148 Enterprise Bancorp Inc. Lowell, Mass. 91.84 93.94 1,116,261 1,215,446 112,654
149 BancPlus Corp. Ridgeland, Miss. 91.79 99.75 1,526,611 1,663,075 214,397
150 Heritage Financial Corp. Olympia, Wash. 91.76 93.42 761,182 829,517 160,828
151 Harris Financial Corp. Chicago 91.55 112.83 29,192,117 31,886,366 5,922,378
152 First Bancorp Troy, N.C. 91.51 94.25 2,558,729 2,796,008 348,738
153 East West Bancorp Inc. Pasadena, Calif. 91.49 98.25 13,712,662 14,987,389 2,338,964
154 Horizon Bancorp Michigan City, Ind. 91.46 106.73 935,679 1,022,995 116,512
155 NewBridge Bancorp Greensboro, N.C. 91.45 91.88 1,418,701 1,551,348 166,679
156 F.N.B. Corp. Hermitage, Pa. 91.43 92.13 5,974,802 6,534,658 1,058,004
157 Amarillo National Bancorp Inc. Texas 91.16 90.78 2,030,483 2,227,269 298,933
158 Zions Bancorp. Salt Lake City 91.07 97.74 38,264,753 42,017,802 6,421,842
159 CNLBancshares Inc. Orlando 91.06 101.95 1,158,222 1,271,939 145,718
160 NEB Corp. Fond Du Lac, Wis. 91.04 100.40 920,953 1,011,561 252,165
161 Macon Bancorp Franklin, N.C. 90.96 103.05 746,038 820,191 80,941
162 Sterling Financial Corp. Spokane, Wash. 90.95 106.89 6,598,515 7,255,026 193,119
163 StellarOne Corp. Charlottesville, Va. 90.94 93.56 2,171,842 2,388,185 425,440
164 Whitney Holding Corp. New Orleans 90.79 96.88 8,007,841 8,820,249 1,674,166
165 Reliance Bancshares Inc. Frontenac, Mo. 90.63 101.31 1,066,863 1,177,108 146,789
166 Big Sandy Holding Co. Longmont, Colo. 90.57 103.17 1,050,290 1,159,695 51,422
167 Regions Financial Corp. Birmingham, Ala. 90.54 103.59 87,156,820 96,261,161 17,463,116
168 Coppermark Bancshares Inc. Oklahoma City 90.30 99.40 955,706 1,058,322 97,653
First National Bank Group Inc. Edinburg, Texas 90.30 98.42 2,663,938 2,950,054 189,783
170 BBVA USA Bancshares Inc. Houston 90.29 103.41 41,596,351 46,069,958 12,632,019
171 Traditional Bancorp. Inc. Mount Sterling, Ky. 90.23 98.69 728,540 807,448 86,303
172 Univest Corp. of Pennsylvania Souderton 90.18 93.67 1,451,632 1,609,772 269,524
173 OceanPoint Financial Partners MHC Newport, R.I. 90.16 94.56 764,530 847,925 102,818
174 South Plains Financial Inc. Lubbock, Texas 90.15 112.45 1,639,900 1,819,091 130,454
175 FNB United Corp. Asheboro, N.C. 90.12 101.04 1,553,524 1,723,760 72,534
176 Parkway Bancorp Inc. Harwood Heights, Ill. 90.10 93.07 1,924,183 2,135,528 174,659
177 Park National Corp. Newark, Ohio 90.08 91.42 4,655,997 5,168,814 749,939
178 MetroCorp Bancshares Inc. Houston 90.06 95.95 1,225,022 1,360,236 156,932
179 Center Bancorp Inc. Union, N.J. 90.04 72.68 722,527 802,459 107,419
180 First Business Financial Services Inc. Madison, Wis. 89.95 93.06 844,343 938,726 54,313
181 Longview Financial Corp. Texas 89.86 92.32 1,001,400 1,114,399 116,632
182 Synovus Financial Corp. Columbus, Ga. 89.64 101.86 23,537,858 26,257,563 3,423,932
183 Hampton Roads Bankshares Inc. Norfolk, Va. 89.46 114.13 2,279,670 2,548,381 34,095
184 PacWest Bancorp San Diego 89.43 119.99 3,776,381 4,222,647 486,585
185 Glacier Bancorp Inc. Kalispell, Mont. 89.40 121.93 4,032,169 4,510,118 845,748
186 Citigroup Inc. New York 89.39 83.56 727,574,000 813,951,000 154,806,000
187 VIST Financial Corp. Wyomissing, Pa. 89.37 94.22 898,693 1,005,594 134,690
188 Peoplesbancorp MHC Holyoke, Mass. 89.35 107.71 1,014,453 1,135,393 141,408
189 American National Corp. Omaha 89.25 99.03 1,182,062 1,324,397 195,664
190 Star Financial Group Inc. Fort Wayne, Ind. 89.23 94.77 1,203,938 1,349,196 132,336
191 W.T.B. Financial Corp. Spokane, Wash. 89.12 106.09 2,918,438 3,274,639 437,214
192 Guaranty Bancorp Denver 89.06 106.16 1,375,359 1,544,277 189,005
193 NBT Bancorp Inc. Norwich, N.Y. 88.93 89.93 3,647,445 4,101,331 527,022
194 First Citizens Banc Corp. Sandusky, Ohio 88.87 90.00 790,022 889,003 100,053
195 Old Second Bancorp Inc. Aurora, Ill. 88.74 95.18 1,908,853 2,151,022 163,526
196 Liberty Bancshares Inc. Jonesboro, Ark. 88.71 94.85 1,652,557 1,862,827 294,541
Peoples Bancorp of North Carolina Inc. Newton 88.71 101.77 753,360 849,238 101,393
198 Paragon Commercial Corp. Raleigh, N.C. 88.69 108.22 929,259 1,047,718 68,677
199 Stearns Financial Services Inc. St. Cloud, Minn. 88.68 106.12 881,213 993,661 188,069
200 Center Financial Corp. Los Angeles 88.66 88.73 1,596,036 1,800,131 265,166

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 Nov. 25, 2010.

Source:

SNL Financial
, Charlottesville, Va.
© 2010 American Banker

Banks, thrifts and holding companies