Highest Loan/Deposit Ratios Among Bank Holding Companies

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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn Sept. 30, 2011. Dollars in thousands
Published March 7, 2012

Rank   Loans as a % of deposits Loans* Deposits Equity capital
Sept. 30 Year earlier
1 Educational Services of America Inc. Knoxville, Tenn. 919.86% 1,087.88% $1,142,205 $124,171 $221,001
2 MetLife Inc. New York 794.32 844.69 84,877,659 10,685,508 60,347,873
3 CIT Group Inc. New York 466.87 578.11 23,151,682 4,958,893 8,903,476
4 Utrecht-America Holdings Inc. New York 322.57 363.76 26,712,000 8,281,000 675,000
5 Ally Financial Inc. Detroit 278.36 308.83 117,457,000 42,196,000 19,732,000
6 American Express Co. New York 254.66 271.51 97,270,000 38,196,000 18,100,000
7 Marlin Business Services Corp. Mount Laurel, N.J. 236.46 387.18 372,459 157,516 162,407
8 United National Corp. Sioux Falls, S.D. 158.13 140.70 1,258,958 796,144 781,739
9 Barclays Delaware Holdings LLC Wilmington 150.63 NA 9,992,851 6,634,184 2,116,937
10 Discover Financial Services Riverwoods, Ill. 143.15 139.58 56,206,739 39,263,805 8,012,484
11 Taunus Corp. New York 141.25 163.53 32,425,000 22,955,000 4,559,000
12 Doral Financial Corp. San Juan, Puerto Rico 140.89 125.18 6,110,786 4,337,139 829,312
13 New York Community Bancorp Inc. Westbury 131.59 131.65 30,010,497 22,806,478 5,573,571
14 Texas Capital Bancshares Inc. Dallas 131.46 108.80 7,212,546 5,486,488 587,944
15 Central Bancorp Inc. Somerville, Mass. 128.97 127.76 432,820 335,597 46,760
16 Cass Information Systems Inc. Bridgeton, Mo. 125.94 137.59 692,385 549,792 160,733
17 Republic Bancorp Inc. Louisville, Ky. 123.43 124.52 2,224,637 1,802,398 453,071
18 Investors Bancorp MHC Millburn, N.J. 122.73 122.26 8,915,214 7,263,831 552,814
19 Brookline Bancorp Inc. Mass. 122.19 NA 2,665,339 2,181,278 501,888
20 Diamond Bancorp Inc. Washington, Mo. 119.81 123.32 683,326 570,344 71,701
21 BBVA PR Holding Corp. San Juan, Puerto Rico 119.68 122.78 3,513,743 2,935,908 586,924
22 Lauritzen Corp. Omaha, Neb. 118.99 118.83 799,735 672,094 556,810
23 Southern National Bancorp of Virginia Inc. McLean 116.80 NA 476,892 408,292 103,067
24 F&M Bank Corp. Timberville, Va. 116.13 113.13 517,711 445,787 45,996
25 TCF Financial Corp. Wayzata, Minn. 115.88 129.38 14,339,715 12,374,765 1,859,810
26 Cardinal Financial Corp. McLean, Va. 115.13 121.14 2,068,124 1,796,379 250,119
27 Goldman Sachs Group Inc. New York 113.35 94.82 47,261,000 41,695,000 70,088,000
28 First Financial Banc Corp. El Dorado, Ark. 112.48 115.57 670,236 595,878 63,836
29 Rockville Financial Inc. Conn. 112.42 119.74 1,462,909 1,301,262 335,355
30 Adbanc Inc. Ogallala, Neb. 111.41 NA 458,862 411,850 74,262
31 Community West Bancshares Goleta, Calif. 111.13 112.01 564,047 507,536 59,369
32 Hills Bancorp. Iowa 110.79 108.42 1,689,817 1,525,290 217,187
33 North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 110.33 NA 622,440 564,176 55,111
34 Norway Bancorp MHC Maine 110.32 116.35 778,816 705,956 102,822
35 Alikat Investments Inc. Gurnee, Ill. 110.31 110.06 343,618 311,507 39,917
36 State Bankshares Inc. Fargo, N.D. 110.20 105.82 1,952,071 1,771,407 147,265
37 Delta Bancshares Co. Eureka, Mo. 110.04 107.85 434,158 394,536 60,713
38 Foster Bankshares Inc. Chicago 109.96 109.41 435,488 396,057 31,254
39 Fidelity Holding Co. Minnetonka, Minn. 108.60 154.12 287,142 264,410 55,088
40 Security State Bancshares Inc. Charleston, Mo. 108.28 109.04 537,180 496,100 49,524
41 First Western Financial Inc. Denver 108.17 109.21 535,498 495,074 79,119
42 C&F Financial Corp. West Point, Va. 108.11 112.60 689,121 637,439 93,272
43 Sword Financial Corp. Horicon, Wis. 107.72 108.88 461,085 428,035 36,288
44 Northern Bancorp Inc. Woburn, Mass. 107.64 109.95 601,788 559,062 67,920
45 Chicopee Bancorp Inc. Mass. 107.58 114.53 447,899 416,357 90,118
46 Santander BanCorp San Juan, Puerto Rico 107.19 124.26 5,678,607 5,297,806 785,944
47 Androscoggin Bancorp MHS Lewiston, Maine 107.16 107.95 561,073 523,602 74,751
48 Access National Corp. Reston, Va. 107.11 99.08 639,346 596,902 80,176
49 Southern First Bancshares Inc. Greenville, S.C. 106.27 106.61 591,055 556,196 61,868
50 First Horizon National Corp. Memphis, Tenn. 105.92 116.68 16,628,213 15,698,978 2,448,065
51 County Bancorp Inc. Manitowoc, Wis. 105.89 103.99 589,679 556,901 73,482
52 Sinopac Bancorp Los Angeles 105.84 86.41 1,054,850 996,691 345,686
53 Camco Financial Corp. Cambridge, Ohio 105.73 108.45 663,801 627,837 46,304
54 Machias Bancorp MHC Maine 105.59 101.50 841,561 796,992 116,638
55 Pedcor Capital LLC Carmel, Ind. 105.39 94.99 126,000 119,560 35,961
56 Monarch Financial Holdings Inc. Chesapeake, Va. 105.18 118.37 754,938 717,734 75,234
57 Coastal Affiliates MHC Hyannis, Mass. 105.09 100.98 508,542 483,891 61,195
58 Ida Grove Bancshares Inc. Iowa 104.93 107.78 929,069 885,407 106,328
59 Manhattan Banking Corp. Kan. 104.90 104.87 642,119 612,130 63,644
60 Spirit Bankcorp Inc. Bristow, Okla. 104.81 92.43 1,072,911 1,023,687 91,285
61 First Paragould Bankshares Inc. Ark. 104.72 107.46 539,916 515,596 81,546
62 Stearns Financial Services Inc. St. Cloud, Minn. 104.38 99.30 1,013,383 970,856 197,572
63 F&M Financial Corp. Granite Quarry, N.C. 104.17 102.46 468,793 450,015 74,679
64 FSB Mutual Holdings Inc. Perkasie, Pa. 104.15 101.39 709,034 680,753 149,409
65 Clayton Bancorp Inc. Knoxville, Tenn. 103.97 106.63 726,908 699,171 119,016
66 Taylor Capital Group Inc. Rosemont, Ill. 103.28 102.03 3,022,129 2,926,281 288,930
67 Parke Bancorp Inc. Swell, N.J. 102.78 106.53 639,307 622,029 76,249
68 Bancorp Rhode Island Inc. Providence 102.32 101.73 1,147,584 1,121,571 138,643
69 Bank of Commerce Holdings Redding, Calif. 102.28 101.88 665,402 650,582 109,847
70 Adam Bank Group Inc. Tampa, Fla. 102.26 NA 717,381 701,516 138,093
71 SBT Bancshares Inc. Dallas 102.20 117.68 465,599 455,558 80,236
72 Southwest Bancorp Inc. Stillwater, Okla. 102.06 106.17 2,063,829 2,022,253 367,024
73 BTC Financial Corp. Des Moines, Iowa 101.97 105.89 2,130,871 2,089,660 179,093
74 Capital One Financial Corp. McLean, Va. 101.74 106.57 130,553,885 128,318,008 29,378,387
75 United Community Financial Corp. Grand Rapids, Mich. 101.73 105.58 371,506 365,172 36,031
76 Susquehanna Bancshares Inc. Lititz, Pa. 101.51 105.37 9,702,669 9,558,748 2,035,845
77 Cecil Bankshares Corp. Patten, Maine 101.45 103.51 431,701 425,520 54,567
78 Independent Holdings Inc. Memphis, Tenn. 101.43 104.03 699,504 689,621 96,715
79 Nara Bancorp Inc. Los Angeles 101.42 98.73 2,299,470 2,267,195 383,616
80 Park Bancorp. Inc. Madison, Wis. 101.35 103.36 618,967 610,713 59,895
81 Teche Holding Co. New Iberia, La. 101.31 NA 609,010 601,122 79,987
82 Citizens Bancshares Inc. Bluffton, Ohio 101.25 97.57 410,566 405,516 53,330
83 Guaranty Federal Bancshares Inc. Springfield, Mo. 101.19 102.98 499,222 493,363 54,538
84 Washington Trust Bancorp Inc. Westerly, R.I. 101.16 98.80 2,110,429 2,086,179 285,494
85 HSBC North America Holdings Inc. Buffalo, N.Y. 101.09 123.87 132,412,819 130,979,347 33,390,190
86 Montgomery Bancorp. Inc. Sikeston, Mo. 101.03 102.05 733,531 726,037 47,667
87 Ambank Co. Inc. Sioux Center, Iowa 100.58 106.63 646,748 643,043 66,950
88 Nicolet Bankshares Inc. Green Bay, Wis. 100.53 98.14 494,820 492,189 75,587
89 CB&T Holding Corp. New Orleans 100.52 98.47 525,432 522,691 49,103
90 Valley National Bancorp Wayne, N.J. 100.15 102.93 9,634,437 9,620,339 1,307,102
91 First BanCorp. San Juan, Puerto Rico 99.67 96.97 10,622,430 10,657,312 986,847
92 Wilshire Bancorp Inc. Los Angeles 99.49 95.65 2,142,351 2,153,388 301,841
93 Boston Private Financial Holdings Inc. 99.22 101.30 4,500,994 4,536,356 551,654
94 QCR Holdings Inc. Moline, Ill. 99.18 109.50 1,197,582 1,207,469 141,245
95 Harleysville Savings Financial Corp. Pa. 99.12 97.18 521,980 526,615 57,082
96 Independent Bank Corp. Rockland, Mass. 98.85 94.76 3,744,996 3,788,739 461,066
97 Integrity Bancshares Inc. Camp Hill, Pa. 98.68 NA 503,658 510,406 32,484
98 Southern Missouri Bancorp Inc. Poplar Bluff 98.62 NA 570,845 578,828 68,947
99 Gorham Bancorp MHC Maine 98.56 98.51 633,505 642,786 78,658
Farmers Bancorp Inc. Blytheville, Ark. 98.56 103.06 334,671 339,577 30,595
101 Fifth Third Bancorp Cincinnati 98.49 96.54 81,055,383 82,301,678 13,028,510
102 Park Sterling Corp. Charlotte, N.C. 98.39 NA 368,971 374,992 174,617
Cathay General Bancorp El Monte, Calif. 98.39 97.16 7,010,059 7,125,125 1,486,119
104 S.Y. Bancorp Inc. Louisville, Ky. 98.32 102.09 1,550,078 1,576,573 183,553
105 Community Trust Financial Corp. Ruston, La. 98.20 86.77 1,734,955 1,766,681 220,721
Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb. 98.20 96.29 524,333 533,965 60,291
107 M&T Bank Corp. Buffalo, N.Y. 98.18 104.39 58,401,264 59,482,389 9,375,126
Salem Five Bancorp Mass. 98.18 104.71 2,020,573 2,058,133 282,389
109 First Connecticut Bancorp Inc. Farmington 97.94 93.48 1,228,476 1,254,301 257,912
110 Chambers Bancshares Inc. Danville, Ark. 97.87 101.27 580,430 593,044 43,571
111 F&M Financial Corp. Clarksville, Tenn. 97.40 97.09 628,420 645,206 49,486
112 Waupaca Bancorp. Inc. Wis. 97.28 99.23 664,549 683,135 80,502
113 Fremont Bancorp. Calif. 97.27 94.20 1,917,702 1,971,500 124,162
114 First Mutual of Richmond Inc. Ind. 97.25 108.20 550,399 565,984 66,048
115 Tower Bancorp Inc. Harrisburg, Pa. 97.22 98.43 2,093,951 2,153,772 261,559
116 Franklin Financial Services Corp. Chambersburg, Pa. 97.04 104.13 766,606 790,017 86,476
117 East Asia Holding Co. Inc. New York 97.00 140.38 567,215 584,764 137,791
118 First National Bankers Bankshares Inc. Baton Rouge, La. 96.94 152.34 376,880 388,795 136,701
119 South Shore Bancorp MHC South Weymouth, Mass. 96.87 92.62 645,144 665,997 97,980
120 Liberty Bancshares Inc. Springfield, Mo. 96.85 105.33 883,506 912,212 90,051
121 NRBC Holding Corp. Chicago 96.78 93.57 1,088,508 1,124,764 133,439
122 Mackinac Financial Corp. Manistique, Mich. 96.75 94.61 391,903 405,059 55,477
123 Business Bancshares Inc. Clayton, Mo. 95.95 87.05 397,423 414,218 51,563
124 TFC Holding Co. Alhambra, Calif. 95.89 103.77 330,399 344,559 53,673
125 S&T Bancorp Inc. Indiana, Pa. 95.86 102.01 3,136,142 3,271,431 603,674
126 Lakeside Bancorp Inc. Chicago 95.77 102.17 922,170 962,871 93,806
127 Hampden Bancorp Inc. Springfield, Mass. 95.76 97.42 401,781 419,592 92,563
128 New England Bancshares Inc. Enfield, Conn. 95.73 97.37 544,708 568,978 72,658
129 Passumpsic Bancorp St. Johnsbury, Vt. 95.55 100.88 445,337 466,063 58,968
Olney Bancshares of Texas Inc.. 95.55 99.00 1,472,010 1,540,556 180,140
131 Choice Financial Holdings Inc. Grafton, N.D. 95.48 93.43 474,644 497,127 40,218
132 First Farmers Financial Corp. Converse, Ind. 95.45 96.14 681,789 714,256 73,860
133 BancWest Corp. San Francisco 95.28 108.83 51,260,806 53,800,624 8,432,135
134 Delmar Bancorp Md. 95.24 94.59 351,059 368,592 39,871
135 Bryn Mawr Bank Corp. Pa. 94.97 93.77 1,283,214 1,351,159 187,133
136 PSB Holdings Inc. Wausau, Wis. 94.96 97.04 441,051 464,437 49,756
137 First Community Bancshares Inc. Batesville, Ark. 94.93 99.36 551,587 581,036 66,430
Carolina Financial Corp. Charleston, S.C. 94.93 92.70 600,605 632,711 46,972
139 JJR Holding Co. Inc. Brick, N.J. 94.91 91.55 458,704 483,289 71,095
140 Beacon Bancorp Taunton, Mass. 94.85 94.26 933,845 984,597 182,753
141 SunTrust Banks Inc. Atlanta 94.82 98.17 119,742,316 126,281,660 20,078,199
142 Community Partners Bancorp Middletown, N.J. 94.79 98.74 516,763 545,173 86,398
Horizon Bancorp Michigan City, Ind. 94.79 97.58 938,140 989,749 118,680
144 Farmers & Merchants Investment Inc. Lincoln, Neb. 94.76 95.80 1,931,926 2,038,825 236,260
145 GSB MHC Greenfield, Mass. 94.73 91.68 419,206 442,536 68,472
146 West Bancorp. Inc. West Des Moines, Iowa 94.72 89.89 870,031 918,539 121,136
147 Dimeco Inc. Honesdale, Pa. 94.71 NA 443,881 468,674 54,325
148 Fulton Financial Corp. Lancaster, Pa. 94.63 95.91 11,959,209 12,637,624 1,984,659
149 Lake Michigan Financial Corp. Holland, Mich. 94.60 100.68 770,499 814,515 71,222
150 North State Bancorp Raleigh, N.C. 94.58 97.56 533,560 564,154 38,455
151 Citizens Financial Group Inc. Providence, R.I. 94.51 92.93 87,163,471 92,224,560 23,382,782
152 Trinity Capital Corp. Los Alamos, N.M. 94.48 86.25 1,206,697 1,277,132 125,162
153 Marine Bancorp Inc. Springfield, Ill. 94.12 98.61 464,316 493,312 43,665
154 Encore Bancshares Inc. Houston 94.06 84.13 985,513 1,047,696 172,178
Reliable Community Bancshares Inc. Perryville, Mo. 94.06 99.97 622,326 661,620 80,265
156 Independent Bank Group Inc. McKinney, Texas 93.96 94.76 950,625 1,011,705 83,612
157 Summit Financial Group Inc. Moorefield, W.Va. 93.82 100.79 982,592 1,047,309 95,364
158 Bank of America Corp. Charlotte, N.C. 93.74 100.24 978,108,776 1,043,374,165 230,251,778
159 Bar Harbor Bankshares Maine 93.72 97.42 714,217 762,094 117,173
160 Jacksonville Bancorp Inc. Fla. 93.59 104.96 479,083 511,879 56,064
161 Atlantic Capital Bancshares Inc. Atlanta 93.31 93.22 673,254 721,504 121,380
162 U.S. Bancorp Minneapolis 93.29 106.48 207,703,000 222,632,000 33,230,000
163 Community First Bancshares Inc. Harrison, Ark. 93.27 94.37 357,621 383,408 54,413
164 Savannah Bancorp Inc. Ga. 93.20 88.00 788,550 846,073 86,309
165 Merchants Bancorp Inc. Hillsboro, Ohio 93.18 92.99 441,491 473,785 45,860
166 Chinatrust Capital Corp. Torrance, Calif. 93.13 109.71 860,190 923,629 517,328
Community Capital Corp. Greenwood, S.C. 93.13 98.12 433,891 465,893 50,730
168 USAmericibancorp Inc. Clearwater, Fla. 92.98 97.35 1,562,838 1,680,901 129,096
169 Northwest Financial Corp. Spencer, Iowa 92.93 93.58 1,012,188 1,089,154 130,243
170 Lakeland Financial Corp. Warsaw, Ind. 92.79 90.64 2,186,453 2,356,358 268,758
South Dakota Bancshares Inc. Pierre 92.79 94.85 558,550 601,970 34,486
172 Evans Bancorp Inc. Angola, N.Y. 92.72 94.27 568,575 613,238 79,529
173 Associated Banc-Corp Green Bay, Wis. 92.71 75.26 13,704,649 14,782,410 2,850,619
174 First Citizens Bancshares Inc. Waxahachie, Texas 92.65 NA 441,628 476,665 44,822
175 Community Financial Services Inc. Benton, Ky. 92.56 NA 416,734 450,227 46,944
176 Mercantile Bank Corp. Grand Rapids, Mich. 92.30 98.32 1,094,037 1,185,333 136,733
177 BBVA USA Bancshares Inc. Houston 92.28 90.34 41,593,408 45,073,383 12,421,922
Unity Bancorp Inc. Clinton, N.J. 92.28 93.94 603,632 654,155 73,136
179 F.N.B. Corp. Hermitage, Pa. 92.27 91.26 6,798,847 7,368,289 1,214,491
180 Ponkapoag Bancorp MHC Canton, Mass. 92.20 96.21 493,554 535,284 42,481
181 Camden National Corp. Maine 92.09 97.18 1,513,074 1,642,956 221,939
182 Fidelity Southern Corp. Atlanta 92.06 98.76 1,625,362 1,765,517 163,012
183 BankFirst Capital Corp. Macon, Miss. 92.05 84.03 528,339 573,967 61,972
184 Highlands Bankshares Inc. Petersburg, W.Va. 91.98 96.72 318,154 345,905 41,970
185 Park National Corp. Newark, Ohio 91.96 91.31 4,680,197 5,089,187 759,643
186 Union First Market Bankshares Corp. Bowling Green, Va. 91.85 95.18 2,880,128 3,135,600 451,581
Capitol Bancorp. Inc. Britton, S.D. 91.85 96.89 462,934 503,997 133,146
188 Community Banc-Corp of Sheboygan Inc. Wis. 91.77 92.83 427,831 466,216 25,642
189 Pacific Premier Bancorp Inc. Costa Mesa, Calif. 91.75 83.72 734,474 800,554 84,620
190 Metropolitan Bank Holding Corp. New York 91.59 101.01 428,425 467,774 47,755
191 Community Trust Bancorp Inc. Pikeville, Ky. 91.55 95.01 2,574,383 2,811,969 361,278
192 Popular Inc. Hato Rey, Puerto Rico 91.42 94.68 25,555,000 27,954,000 4,013,000
193 Anchor Bancorp Inc. Lacey, Wash. 91.41 NA 323,782 354,206 55,729
194 BB&T Corp. Winston-Salem, N.C. 91.39 99.61 107,448,901 117,566,905 17,479,017
Blue Valley Ban Corp. Overland Park, Kan. 91.39 89.41 459,691 503,019 51,912
196 Enterprise Bancorp Inc. Lowell, Mass. 91.38 88.06 1,229,558 1,345,488 124,546
IBT Holdings Corp. City of Industry, Calif. 91.38 90.42 301,390 329,809 104,171
198 First National Bank Group Inc. Edinburg, Texas 91.37 90.78 2,485,252 2,720,097 192,683
199 Virginia Commerce Bancorp Inc. Arlington 91.35 97.05 2,163,911 2,368,939 275,546
200 First Community Financial Partners Inc. Joliet, Ill. 91.28 99.20 729,086 798,695 72,449
Bank of Highland Park Financial Corp. Ill. 91.28 95.07 853,645 935,192 84,065

Among 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 Sept. 30, 2011.

Source:

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