Highest Loan/Deposit Ratios Among Bank Holding Companies

Published March 08, 2011, 3:35 p.m. EST

Updated March 08, 2011, 2:35 p.m. EST

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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn Sept. 30, 2010. Dollars in thousands Published March 8, 2011
Rank		Loans as a % of deposits		Loans*	Deposits	Equity capital
Rank		Sept. 30	Year earlier	Loans*	Deposits	Equity capital
1	Taunus Corp. New York	163.53%	158.68%	$30,948,000	$18,925,000	$5,639,000
2	United National Corp. Sioux Falls, S.D.	140.70	171.94	1,223,870	869,845	724,905
3	Discover Financial Services Riverwoods, Ill.	139.58	77.89	48,311,872	34,613,115	6,159,575
4	Cass Information Systems Inc. Bridgeton, Mo.	137.59	137.83	689,683	501,259	145,817
5	New York Community Bancorp Inc. Westbury	131.65	158.06	29,458,722	22,376,940	5,495,298
6	TCF Financial Corp. Wayzata, Minn.	129.38	122.74	14,896,601	11,513,595	1,495,955
7	Doral Financial Corp. San Juan, Puerto Rico	125.18	NA	5,959,974	4,761,089	914,345
8	Republic Bancorp Inc. Louisville, Ky.	124.52	137.12	2,163,113	1,737,102	370,825
9	Santander BanCorp Guaynabo, Puerto Rico	124.26	125.35	5,298,539	4,264,145	724,121
10	HSBC North America Holdings Inc. New York	123.87	133.48	144,157,151	116,381,580	27,472,669
11	BBVA PR Holding Corp. San Juan, Puerto Rico	122.78	153.31	3,570,983	2,908,428	549,661
12	Investors Bancorp MHC Short Hills, N.J.	122.26	112.96	7,520,525	6,151,452	510,409
13	Cardinal Financial Corp. McLean, Va.	121.14	110.91	1,693,116	1,397,676	224,102
14	Rockville Financial MHC Inc. South Windsor, Conn.	119.74	120.64	1,403,010	1,171,719	103,631
15	Lauritzen Corp. Omaha, Neb.	118.83	104.36	774,575	651,817	484,810
16	First Horizon National Corp. Memphis	116.68	133.66	17,474,368	14,976,540	3,011,724
17	Norway Bancorp MHC Maine	116.35	116.12	803,629	690,686	97,357
18	Chinatrust Capital Corp. Torrance, Calif.	109.71	93.02	1,075,472	980,277	466,352
19	QCR Holdings Inc. Moline, Ill.	109.50	113.22	1,189,978	1,086,733	133,728
20	BancWest Corp. San Francisco	108.83	107.01	51,548,152	47,365,088	7,825,398
21	Texas Capital Bancshares Inc. Dallas	108.80	123.60	5,882,991	5,407,034	515,618
22	Hills Bancorp. Iowa	108.42	109.09	1,554,455	1,433,756	188,162
23	Ida Grove Bancshares Inc. Iowa	107.78	106.77	882,381	818,696	95,957
24	Capital One Financial Corp. McLean, Va.	106.57	85.12	127,039,223	119,212,083	26,060,908
25	U.S. Bancorp Minneapolis	106.48	111.20	199,553,000	187,406,000	29,151,000
26	Southwest Bancorp Inc. Stillwater, Okla.	106.17	109.67	2,490,300	2,345,648	376,576
27	BTC Financial Corp. Des Moines, Iowa	105.89	98.59	2,031,458	1,918,518	165,069
28	State Bankshares Inc. Fargo, N.D.	105.82	112.70	1,762,867	1,665,860	155,944
29	Susquehanna Bancshares Inc. Lititz, Pa.	105.37	110.82	9,696,800	9,202,371	2,099,663
30	Liberty Bancshares Inc. Springfield, Mo.	105.33	110.09	848,233	805,285	79,813
31	Salem Five Bancorp Mass.	104.71	101.11	1,949,705	1,862,093	264,478
32	M&T Bank Corp. Buffalo, N.Y.	104.39	111.40	50,791,558	48,654,623	8,231,773
33	Franklin Financial Services Corp. Chambersburg, Pa.	104.13	103.18	757,803	727,725	82,240
34	Marshall & Ilsley Corp. Milwaukee	103.79	110.42	39,723,134	38,271,322	6,581,194
35	Valley National Bancorp Wayne, N.J.	102.93	100.88	9,540,152	9,268,703	1,278,019
36	Lakeside Bancorp Inc. Chicago	102.17	102.48	940,289	920,353	95,364
37	S.Y. Bancorp Inc. Louisville, Ky.	102.09	104.04	1,499,360	1,468,643	167,609
38	Taylor Capital Group Inc. Rosemont, Ill.	102.03	102.02	3,032,939	2,972,668	278,741
39	S&T Bancorp Inc. Indiana, Pa.	102.01	105.08	3,370,983	3,304,570	574,507
40	Bancorp Rhode Island Inc. Providence	101.73	102.25	1,135,227	1,115,936	130,769
41	Machias Bancorp MHC Maine	101.50	124.07	848,319	835,818	108,709
42	FSB Mutual Holdings Inc. Perkasie, Pa.	101.39	102.53	707,402	697,683	151,158
43	Boston Private Financial Holdings Inc.	101.30	104.96	4,552,564	4,494,190	533,762
44	Summit Financial Group Inc. Moorefield, W.Va.	100.79	120.67	1,038,218	1,030,031	90,234
45	Lake Michigan Financial Corp. Holland, Mich.	100.68	101.91	799,184	793,792	64,875
46	Macatawa Bank Corp. Holland, Mich.	100.50	100.87	1,286,049	1,279,710	66,992
47	Bank of America Corp. Charlotte, N.C.	100.24	98.64	981,393,278	979,014,700	230,494,556
48	First Bancorp Inc. Lebanon, Va.	99.83	105.33	973,020	974,676	96,976
49	BB&T Corp. Winston-Salem, N.C.	99.61	93.45	106,013,878	106,428,368	16,718,738
50	Stearns Financial Services Inc. St. Cloud, Minn.	99.30	89.00	878,017	884,194	196,220
51	First Community Financial Partners Inc. Joliet, Ill.	99.20	101.85	800,253	806,666	91,254
52	Comerica Inc. Dallas	99.04	109.91	40,299,123	40,691,286	5,856,961
53	Olney Bancshares of Texas Inc.	99.00	102.54	1,375,558	1,389,502	168,401
54	NewAlliance Bancshares Inc. New Haven, Conn.	98.82	96.56	5,095,916	5,156,562	1,473,368
55	Washington Trust Bancorp Inc. Westerly, R.I.	98.80	101.03	2,032,122	2,056,772	267,109
56	Fidelity Southern Corp. Atlanta	98.76	89.51	1,541,742	1,561,175	139,015
57	Nara Bancorp Inc. Los Angeles	98.73	87.91	2,174,757	2,202,655	356,103
58	Wells Fargo & Co. San Francisco	98.60	105.15	803,628,000	815,038,000	123,658,000
59	Gorham Bancorp MHC Maine	98.51	115.35	639,283	648,959	74,968
60	Tennessee Commerce Bancorp Inc. Franklin	98.47	96.46	1,241,669	1,261,005	123,838
61	Tower Bancorp Inc. Harrisburg, Pa.	98.43	89.65	1,334,388	1,355,717	165,796
62	Mercantile Bank Corp. Grand Rapids, Mich.	98.32	111.25	1,329,157	1,351,864	134,735
63	ATBancorp Dubuque, Iowa	98.26	90.28	753,426	766,773	73,035
64	Hawthorn Bancshares Inc. Lee's Summit, Mo.	98.20	102.62	933,456	950,574	109,921
65	SunTrust Banks Inc. Atlanta	98.17	101.45	118,168,722	120,366,917	23,331,321
66	Wilmington Trust Corp. Del.	97.81	119.90	8,120,281	8,302,387	1,068,857
67	Horizon Bancorp Michigan City, Ind.	97.58	102.78	975,297	999,483	120,112
68	Commonwealth Bankshares Inc. Norfolk, Va.	97.54	109.58	971,819	996,375	67,242
69	Bar Harbor Bankshares Maine	97.42	105.74	680,875	698,873	106,406
70	USAmeriBancorp Inc. Clearwater, Fla.	97.35	99.63	719,564	739,121	109,352
71	Eagle Bancorp Inc. Bethesda, Md.	97.31	98.96	1,601,835	1,646,093	202,361
72	Camden National Corp. Maine	97.18	100.51	1,538,533	1,583,182	204,190
73	Cathay General Bancorp El Monte, Calif.	97.16	92.19	6,905,818	7,107,755	1,438,341
74	Crescent Financial Corp. Cary, N.C.	97.13	108.10	696,488	717,078	85,568
75	Virginia Commerce Bancorp Inc. Arlington	97.05	99.64	2,254,985	2,323,478	247,012
76	First BanCorp. San Juan, Puerto Rico	96.97	111.60	12,163,260	12,543,568	1,321,979
77	PlainsCapital Corp. Dallas	96.90	107.11	3,636,748	3,753,115	445,606
78	Fifth Third Bancorp Cincinnati	96.54	101.13	78,741,558	81,567,703	13,883,577
79	Republic Bancorp Co. Oak Brook, Ill.	96.49	99.63	1,154,008	1,195,974	158,601
80	Central Bancshares Inc. Lexington, Ky.	96.21	101.95	1,768,355	1,837,973	154,182
81	Fulton Financial Corp. Lancaster, Pa.	95.91	100.17	12,053,858	12,568,117	1,876,310
82	Farmers and Merchants Investment Inc. Lincoln, Neb.	95.80	100.44	2,026,044	2,114,895	218,022
83	Wilshire Bancorp Inc. Los Angeles	95.65	94.03	2,594,044	2,711,963	271,328
84	Porter Bancorp Inc. Louisville, Ky.	95.59	100.63	1,328,695	1,390,063	202,573
85	Amarillo National Bancorp Inc. Texas	95.49	90.65	2,073,517	2,171,482	310,174
86	KeyCorp Cleveland	95.45	99.12	58,643,637	61,440,083	11,135,090
87	Green Bankshares Inc. Greeneville, Tenn.	95.43	94.44	1,837,682	1,925,734	197,824
88	Pacific Continental Corp. Eugene, Ore.	95.42	115.97	884,350	926,763	172,579
89	Patriot Bancshares Inc. Houston	95.37	114.02	985,290	1,033,151	106,776
90	Union First Market Bankshares Corp. Richmond, Va.	95.18	97.99	2,926,648	3,074,920	430,596
91	Bank of Highland Park Financial Corp. Ill.	95.07	96.71	999,256	1,051,099	81,237
92	Community Trust Bancorp Inc. Pikeville, Ky.	95.01	99.98	2,446,730	2,575,295	336,844
93	First Bancshares Inc. Merrillville, Ind.	94.98	95.36	1,656,978	1,744,603	138,909
94	Enterprise Financial Services Corp Clayton, Mo.	94.93	114.13	1,936,805	2,040,172	180,580
95	Goldman Sachs Group Inc. New York	94.82	65.12	36,339,000	38,323,000	75,657,000
96	Reliance Bancshares Inc. Frontenac, Mo.	94.79	97.68	1,015,269	1,071,127	140,373
97	Independent Bank Corp. Rockland, Mass.	94.76	103.56	3,428,984	3,618,631	425,661
	Independent Bank Group Inc. McKinney, Texas	94.76	104.93	849,115	896,028	74,410
99	Hanmi Financial Corp. Los Angeles	94.73	99.52	2,394,291	2,527,511	172,632
100	Popular Inc. Hato Rey, Puerto Rico	94.68	92.76	26,264,000	27,740,000	4,109,000
101	Bank of the Ozarks Inc. Little Rock, Ark.	94.52	94.44	2,283,418	2,415,714	316,072
102	Eastern Virginia Bankshares Inc. Tappahannock	94.44	98.75	803,397	850,695	102,487
103	Beacon Bancorp Taunton, Mass.	94.26	107.08	877,275	930,672	174,845
	Fishback Financial Corp. Brookings, S.D.	94.26	96.57	1,210,223	1,283,928	139,527
105	Fremont Bancorp. Calif.	94.20	100.32	1,915,170	2,033,146	116,752
106	BancPlus Corp. Ridgeland, Miss.	94.07	100.71	1,548,337	1,645,941	245,231
107	Bryn Mawr Bank Corp. Pa.	93.77	99.01	1,181,124	1,259,662	158,327
108	Independent Alliance Banks Inc. Fort Wayne, Ind.	93.61	103.76	649,280	693,607	93,053
109	Northwest Financial Corp. Arnolds Park, Iowa	93.58	96.96	960,208	1,026,128	122,378
110	NRBC Holding Corp. Chicago	93.57	94.20	1,058,695	1,131,471	125,149
111	First Connecticut Bancorp Inc. Farmington	93.48	101.34	1,160,735	1,241,726	97,976
112	United Bankshares Inc. Charleston, W.Va.	93.46	96.21	5,325,806	5,698,398	784,627
113	Star Financial Group Inc. Fort Wayne, Ind.	93.45	94.72	1,202,686	1,286,998	135,708
114	Big Sandy Holding Co. Longmont, Colo.	93.29	104.08	1,032,018	1,106,263	51,148
115	First Bancorp Inc. Damariscotta, Maine	93.12	101.72	919,569	987,471	152,230
116	Banner Corp. Walla Walla, Wash.	93.02	100.91	3,498,102	3,760,486	524,839
117	South Plains Financial Inc. Lubbock, Texas	93.01	102.79	1,669,044	1,794,400	129,730
118	Huntington Bancshares Inc. Columbus, Ohio	92.94	94.81	38,227,073	41,130,806	5,566,804
119	Citizens Financial Group Inc. Providence, R.I.	92.93	99.78	89,034,061	95,804,385	22,569,065
120	Bangor Bancorp MHC Maine	92.85	102.33	1,627,608	1,752,856	264,253
121	NEB Corp. Fond Du Lac, Wis.	92.84	93.43	943,661	1,016,477	257,369
122	BancIndependent Inc. Sheffield, Ala.	92.79	99.68	764,605	824,011	90,163
123	Carolina Financial Corp. Charleston, S.C.	92.70	98.15	684,120	738,018	50,315
124	Wintrust Financial Corp. Lake Forest, Ill.	92.69	86.20	10,160,877	10,962,239	1,398,912
125	Cascade Financial Corp. Everett, Wash.	92.62	118.67	1,052,421	1,136,265	75,839
	South Shore Bancorp MHC South Weymouth, Mass.	92.62	91.97	607,019	655,367	90,842
127	Spirit Bankcorp Inc. Bristow, Okla.	92.43	100.36	1,140,856	1,234,335	102,452
128	Zions Bancorp. Salt Lake City	92.40	96.57	37,849,933	40,963,677	6,495,432
129	Shore Bancshares Inc. Easton, Md.	92.27	92.58	906,490	982,428	122,355
130	Home BancShares Inc. Conway, Ark.	92.16	110.71	2,363,502	2,564,436	498,468
131	First Co Bancorp Inc. Collinsville, Ill.	91.92	101.39	804,428	875,176	90,034
132	Stockman Financial Corp. Miles City, Mont.	91.82	103.52	1,291,378	1,406,465	180,856
133	Bank of Marin Bancorp Novato, Calif.	91.68	96.90	938,134	1,023,294	118,614
134	First State Bancshares Inc. Farmington, Mo.	91.62	92.92	902,910	985,504	109,467
135	River Valley Bancorp. Inc. Wausau, Wis.	91.58	100.49	777,102	848,563	69,399
136	Peoplesbancorp MHC Holyoke, Mass.	91.47	103.33	1,014,553	1,109,111	145,640
137	Longview Financial Corp. Texas	91.40	91.31	1,046,096	1,144,569	120,016
138	First Bancorp Troy, N.C.	91.35	92.59	2,514,307	2,752,444	350,955
139	Park National Corp. Newark, Ohio	91.31	90.23	4,656,902	5,100,030	756,627
140	Standard Bancshares Inc. Hickory Hills, Ill.	91.27	94.55	1,818,460	1,992,332	244,427
141	F.N.B. Corp. Hermitage, Pa.	91.26	93.57	6,021,306	6,597,828	1,064,846
142	Old Second Bancorp Inc. Aurora, Ill.	91.25	92.56	1,827,315	2,002,562	161,569
143	Peoples Bancorp Lynden, Wash.	91.21	90.94	935,025	1,025,098	118,716
144	First Commonwealth Financial Corp. Indiana, Pa.	90.92	103.35	4,299,573	4,729,143	741,810
	NewBridge Bancorp Greensboro, N.C.	90.92	92.77	1,373,427	1,510,593	166,600
146	First National Bank Group Inc. Edinburg, Texas	90.78	101.29	2,658,812	2,928,774	192,335
147	Florida Capital Group Inc. Jacksonville	90.71	73.27	844,473	931,008	47,452
148	Macon Bancorp Franklin, N.C.	90.69	103.23	741,319	817,406	79,320
149	StellarOne Corp. Charlottesville, Va.	90.68	94.32	2,130,859	2,349,884	429,455
150	Assabet Valley Bancorp Hudson, Mass.	90.64	98.72	692,953	764,474	78,713
	Lakeland Financial Corp. Warsaw, Ind.	90.64	106.70	2,058,389	2,270,858	245,438
152	Synovus Financial Corp. Columbus, Ga.	90.63	94.55	22,872,691	25,236,225	3,216,066
153	Regions Financial Corp. Birmingham, Ala.	90.61	99.42	86,066,045	94,988,719	17,162,583
154	1st Source Corp. South Bend, Ind.	90.49	89.87	3,227,126	3,566,194	596,323
155	Southern Community Financial Corp. Winston-Salem, N.C.	90.38	97.79	1,190,914	1,317,610	109,094
156	BBVA USA Bancshares Inc. Houston	90.34	92.62	40,897,110	45,269,629	12,706,124
	Central Bancorp Inc. Garland, Texas	90.34	70.57	1,649,086	1,825,515	258,103
158	Glacier Bancorp Inc. Kalispell, Mont.	90.18	112.05	3,983,960	4,417,842	853,654
159	PacWest Bancorp Los Angeles	90.09	110.90	4,328,067	4,804,313	493,762
160	Bremer Financial Corp. St. Paul	90.04	93.17	5,436,511	6,038,040	756,820
161	First Merchants Corp. Muncie, Ind.	90.00	97.48	2,928,754	3,254,351	462,465
	MetroCorp Bancshares Inc. Houston	90.00	93.91	1,173,568	1,303,976	159,784
163	West Bancorp. Inc. West Des Moines, Iowa	89.89	91.59	929,632	1,034,202	145,181
164	Firstbank Corp. Alma, Mich.	89.87	104.93	1,054,579	1,173,440	149,615
165	Sterling Financial Corp. Spokane, Wash.	89.83	101.65	6,229,302	6,934,462	845,047
166	Bank of Kentucky Financial Corp. Crestview Hills	89.82	96.73	1,142,071	1,271,455	146,363
167	Heartland Bancorp Inc. Bloomington, Ill.	89.41	89.15	1,270,433	1,420,933	150,762
168	State Capital Corp. Greenwood, Miss.	89.33	91.82	649,675	727,248	110,076
169	Trustmark Corp. Jackson, Miss.	89.20	96.35	6,266,841	7,025,336	1,158,792
170	PrivateBancorp Inc. Chicago	88.99	100.03	9,371,411	10,530,471	1,244,889
171	BCB Bancorp Inc. Bayonne, N.J.	88.98	92.13	807,337	907,371	97,654
	First Mariner Bancorp Baltimore	88.98	92.85	984,525	1,106,506	38,773
173	Lakeland Bancorp Inc. Oak Ridge, N.J.	88.90	91.78	1,986,851	2,234,889	260,725
174	Johnson Financial Group Inc. Racine, Wis.	88.81	92.00	4,183,236	4,710,249	297,296
175	Harris Financial Corp. Chicago	88.79	115.80	28,785,351	32,419,172	5,935,836
	OceanPoint Financial Partners MHC Newport, R.I.	88.79	92.49	749,573	844,217	105,047
177	SCBT Financial Corp. Columbia, S.C.	88.65	104.81	2,677,211	3,020,146	335,195
178	Peoples Bancorp of North Carolina Inc. Newton	88.50	98.68	745,439	842,304	102,359
179	CNLBancshares Inc. Orlando	88.40	95.67	1,116,981	1,263,551	140,522
180	Commonwealth Bancshares Inc. Louisville, Ky.	88.34	95.55	657,133	743,875	47,257
181	Provident Financial Services Inc. Jersey City	88.25	88.31	4,344,657	4,923,195	921,048
182	Minnwest Corp. Montevideo, Minn.	88.18	100.01	1,214,453	1,377,190	137,554
183	East West Bancorp Inc. Pasadena, Calif.	88.16	96.44	13,550,016	15,370,414	2,384,760
184	Center Financial Corp. Los Angeles	88.09	87.96	1,578,919	1,792,351	270,690
185	ACNB Corp. Gettysburg, Pa.	88.07	89.62	673,581	764,863	93,824
	First Business Financial Services Inc. Madison, Wis.	88.07	92.93	879,075	998,199	55,511
187	Enterprise Bancorp Inc. Lowell, Mass.	88.06	93.90	1,114,578	1,265,640	116,467
188	First Chicago Bancorp	88.05	88.43	822,655	934,262	16,512
189	Savannah Bancorp Inc. Ga.	88.00	98.46	832,987	946,628	88,729
190	Durant Bancorp Inc. Okla.	87.95	84.60	1,510,512	1,717,429	179,924
191	Independence Bancshares Inc. Owensboro, Ky.	87.94	97.79	680,132	773,390	52,176
192	Liberty Bancshares Inc. Jonesboro, Ark.	87.92	91.95	1,651,734	1,878,774	297,305
193	Sun Bancorp Inc. Vineland, N.J.	87.91	92.39	2,682,778	3,051,894	303,038
194	Dacotah Banks Inc. Aberdeen, S.D.	87.90	96.08	1,356,838	1,543,645	165,998
195	Coppermark Bancshares Inc. Oklahoma City	87.83	94.52	954,299	1,086,477	100,248
196	Whitney Holding Corp. New Orleans	87.78	95.69	7,783,094	8,866,576	1,638,661
197	Univest Corp. of Pennsylvania Souderton	87.69	94.51	1,471,183	1,677,641	270,773
198	Traditional Bancorp. Inc. Mount Sterling, Ky.	87.47	98.33	732,099	836,936	90,935
199	BancorpSouth Inc. Tupelo, Miss.	87.29	96.41	9,647,864	11,052,541	1,235,706
	Paragon Commercial Corp. Raleigh, N.C.	87.29	109.25	891,308	1,021,107	70,412

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. 16, 2011.

Source:

SNL Financial