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 Dec. 31, 2011. Dollars in thousands
Published June 14, 2012

Rank   Loans as a % of deposits Loans* Deposits Equity capital
Dec. 31 Year earlier
1 Educational Services of America Inc. Knoxville, Tenn. 911.64% 1,079.20% $1,300,265 $142,629 $226,205
2 MetLife Inc. New York 891.22 807.83 93,644,924 10,507,520 60,171,391
3 CIT Group Inc. New York 354.56 567.04 21,960,198 6,193,665 8,894,017
4 Utrecht-America Holdings Inc. New York 317.91 348.93 26,692,000 8,396,000 1,809,000
5 Ally Financial Inc. Detroit 286.97 305.23 123,312,000 42,971,000 19,329,000
6 American Express Co. New York 239.15 275.91 102,886,000 43,021,000 18,796,000
7 Marlin Business Services Corp. Mount Laurel, N.J. 197.87 386.38 393,192 198,717 164,101
8 Barclays Delaware Holdings LLC Wilmington 175.29 148.94 12,163,911 6,939,439 4,130,893
9 Taunus Corp. New York 159.41 208.91 44,134,000 27,685,000 5,160,000
10 United National Corp. Sioux Falls, S.D. 154.06 156.20 1,262,176 819,259 834,109
11 Discover Financial Services Riverwoods, Ill. 148.28 154.39 58,762,498 39,629,654 8,358,252
12 Doral Financial Corp. San Juan, Puerto Rico 142.25 127.92 6,251,390 4,394,716 840,154
13 Texas Capital Bancshares Inc. Dallas 137.73 108.26 7,652,845 5,556,380 616,736
14 New York Community Bancorp Inc. Westbury 135.77 133.43 30,322,744 22,333,162 5,570,004
15 Republic Bancorp Inc. Louisville, Ky. 132.05 95.13 2,289,687 1,733,978 452,367
16 Central Bancorp Inc. Somerville, Mass. 125.72 124.12 421,176 335,007 44,799
17 BBVA PR Holding Corp. San Juan, Puerto Rico 124.82 130.99 3,697,314 2,962,102 594,765
18 Lauritzen Corp. Omaha, Neb. 123.29 119.03 833,469 676,017 550,007
19 BSB Bancorp MHC Belmont, Mass. 123.09 98.94 530,617 431,096 131,505
20 Cass Information Systems Inc. Bridgeton, Mo. 122.47 136.65 671,565 548,368 160,548
21 Fidelity Holding Co. Minnetonka, Minn. 122.43 132.90 330,941 270,316 55,117
22 Cardinal Financial Corp. McLean, Va. 121.75 115.08 2,161,382 1,775,260 257,817
23 Brookline Bancorp Inc. Mass. 120.94 NA 2,726,081 2,254,132 507,002
24 Investors Bancorp MHC Millburn, N.J. 120.49 118.04 8,928,569 7,409,934 966,678
25 F&M Bank Corp. Timberville, Va. 117.47 110.25 512,113 435,947 46,180
26 Goldman Sachs Group Inc. New York 116.61 122.31 53,677,000 46,030,000 71,829,000
27 TCF Financial Corp. Wayzata, Minn. 115.60 127.12 14,164,576 12,252,566 1,878,627
28 First Financial Banc Corp. El Dorado, Ark. 113.71 115.76 683,529 601,105 64,027
29 Pedcor Capital LLC Carmel, Ind. 113.52 105.26 128,790 113,451 44,355
30 Hills Bancorp. Iowa 112.53 108.12 1,716,681 1,525,476 236,255
31 Alikat Investments Inc. Gurnee, Ill. 112.18 111.14 331,394 295,408 37,964
32 First Connecticut Bancorp Inc. Farmington 111.08 105.09 1,313,954 1,182,932 251,980
33 Monarch Financial Holdings Inc. Chesapeake, Va. 110.60 104.02 819,194 740,649 76,847
Androscoggin Bancorp MHS Lewiston, Maine 110.60 112.18 560,345 506,650 75,160
35 Rockville Financial Inc. Conn. 110.54 116.60 1,473,246 1,332,758 333,471
36 C&F Financial Corp. West Point, Va. 110.53 111.80 714,817 646,701 96,090
37 Coastal Affiliates MHC Hyannis, Mass. 110.40 105.53 534,370 484,028 62,588
38 Santander BanCorp San Juan, Puerto Rico 110.06 122.04 5,679,533 5,160,218 801,533
39 Foster Bankshares Inc. Chicago 108.56 111.35 399,680 368,170 20,259
40 Winter Trust of 12/3/74 Lawrence, Kan. 108.50 76.36 609,088 561,378 44,877
41 Norway Bancorp MHC Maine 107.48 112.12 764,510 711,277 103,381
42 Machias Bancorp MHC Maine 107.23 99.03 851,468 794,072 118,600
43 Community West Bancshares Goleta, Calif. 106.86 112.08 546,325 511,262 50,626
44 Southern National Bancorp of Virginia Inc. McLean 106.84 NA 492,970 461,390 99,116
45 Stearns Financial Services Inc. St. Cloud, Minn. 106.78 95.15 1,026,299 961,171 199,924
46 First BanCorp. San Juan, Puerto Rico 106.56 98.98 10,557,404 9,907,754 1,444,144
47 Diamond Bancorp Inc. Washington, Mo. 106.47 118.04 681,155 639,743 64,656
48 Capital One Financial Corp. McLean, Va. 106.37 103.55 136,484,163 128,310,872 29,667,234
49 Southern First Bancshares Inc. Greenville, S.C. 105.90 106.34 598,634 565,289 62,539
50 County Bancorp Inc. Manitowoc, Wis. 105.43 105.32 577,913 548,158 75,332
51 Teche Holding Co. New Iberia, La. 105.28 NA 633,005 601,253 81,112
52 Northern Bancorp Inc. Woburn, Mass. 105.17 112.32 615,898 585,612 71,543
53 Spirit Bankcorp Inc. Bristow, Okla. 105.06 103.84 1,065,476 1,014,194 87,242
54 Delta Bancshares Co. Eureka, Mo. 104.81 105.25 414,301 395,279 60,587
55 Camco Financial Corp. Cambridge, Ohio 104.64 104.90 662,653 633,260 46,379
56 F&M Financial Corp. Granite Quarry, N.C. 104.55 101.84 454,431 434,661 74,709
57 Ida Grove Bancshares Inc. Iowa 103.69 107.02 938,540 905,114 107,827
First Horizon National Corp. Memphis, Tenn. 103.69 112.83 16,811,720 16,213,757 2,684,636
59 Sword Financial Corp. Horicon, Wis. 103.40 108.67 451,270 436,420 37,317
State Bankshares Inc. Fargo, N.D. 103.40 101.46 1,978,807 1,913,734 156,281
61 North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 103.32 NA 629,510 609,294 56,827
62 Bancorp Rhode Island Inc. Providence 103.20 103.12 1,167,404 1,131,216 137,645
63 First Western Financial Inc. Denver 103.19 106.36 548,354 531,379 79,174
64 Cecil Bankshares Corp. Patten, Maine 103.10 101.11 437,797 424,643 55,102
65 Access National Corp. Reston, Va. 103.03 91.39 664,526 645,013 82,815
66 Adam Bank Group Inc. Tampa, Fla. 102.90 NA 749,229 728,121 150,675
67 Boston Private Financial Holdings Inc. 102.80 100.02 4,662,297 4,535,171 587,816
68 CB&T Holding Corp. New Orleans 102.69 100.11 556,617 542,036 50,115
69 Clayton Bancorp Inc. Knoxville, Tenn. 102.26 104.84 706,328 690,751 118,607
70 Independent Holdings Inc. Memphis, Tenn. 102.00 97.54 700,947 687,226 92,163
71 Washington Trust Bancorp Inc. Westerly, R.I. 101.94 98.68 2,167,499 2,126,342 281,351
72 Security State Bancshares Inc. Charleston, Mo. 101.89 105.45 515,880 506,308 50,418
73 Guaranty Federal Bancshares Inc. Springfield, Mo. 101.70 107.61 493,277 485,049 54,235
74 Valley National Bancorp Wayne, N.J. 101.57 100.65 9,824,810 9,673,102 1,266,248
75 Susquehanna Bancshares Inc. Lititz, Pa. 101.53 104.80 10,447,930 10,290,544 2,189,628
76 M&T Bank Corp. Buffalo, N.Y. 101.18 104.39 60,096,005 59,394,649 9,271,209
77 Salem Five Bancorp Mass. 101.17 102.75 2,042,342 2,018,715 285,780
78 First National Bankers Bankshares Inc. Baton Rouge, La. 100.98 143.54 368,323 364,741 142,500
79 Ambank Co. Inc. Sioux Center, Iowa 100.87 104.01 682,666 676,748 69,025
80 Bar Harbor Bankshares Maine 100.85 98.92 729,002 722,890 118,000
81 Community Trust Financial Corp. Ruston, La. 100.83 90.23 1,923,518 1,907,690 225,856
82 Waupaca Bancorp. Inc. Wis. 100.65 99.06 672,836 668,493 80,516
83 Manhattan Banking Corp. Kan. 100.58 100.62 674,955 671,064 63,740
84 BTC Financial Corp. Des Moines, Iowa 100.39 100.17 2,136,437 2,128,241 182,984
85 FSB Mutual Holdings Inc. Perkasie, Pa. 100.24 100.61 685,062 683,437 144,670
86 Citizens Bancshares Inc. Bluffton, Ohio 100.22 99.04 423,281 422,365 55,426
87 Adbanc Inc. Ogallala, Neb. 100.21 NA 451,103 450,151 74,670
88 Integrity Bancshares Inc. Camp Hill, Pa. 100.00 NA 520,015 519,996 33,519
89 Taylor Capital Group Inc. Rosemont, Ill. 99.71 102.23 3,114,283 3,123,211 409,528
90 QCR Holdings Inc. Moline, Ill. 99.61 105.18 1,200,745 1,205,458 144,433
91 United Community Financial Corp. Grand Rapids, Mich. 99.49 102.57 373,559 375,485 37,357
92 Park Bancorp. Inc. Madison, Wis. 99.27 102.13 596,806 601,170 60,470
93 South Shore Bancorp MHC South Weymouth, Mass. 99.22 92.43 656,194 661,341 99,783
94 Chicopee Bancorp Inc. Mass. 99.19 111.40 449,682 453,377 90,782
95 Mackinac Financial Corp. Manistique, Mich. 99.12 99.05 401,246 404,788 55,263
96 Gorham Bancorp MHC Maine 99.11 100.18 634,385 640,066 79,201
97 Jacksonville Bancorp Inc. Fla. 98.90 93.58 468,745 473,935 55,527
98 Horizon Bancorp Michigan City, Ind. 98.75 91.50 997,283 1,009,865 121,465
Montgomery Bancorp. Inc. Sikeston, Mo. 98.75 100.61 714,188 723,203 47,748
100 Parke Bancorp Inc. Swell, N.J. 98.50 105.71 625,342 634,855 77,273
101 CBM Florida Holding Co. Bradenton 98.45 NA 548,973 557,615 74,593
102 Independent Bank Corp. Rockland, Mass. 98.38 98.74 3,814,609 3,877,546 469,057
103 F&M Financial Corp. Clarksville, Tenn. 98.23 97.43 633,030 644,417 57,429
104 AFNB Holdings Inc. Houston 98.21 90.81 699,815 712,580 113,334
105 Chambers Bancshares Inc. Danville, Ark. 98.14 101.44 573,966 584,831 37,140
106 Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb. 97.70 96.92 534,108 546,709 61,630
107 HSBC North America Holdings Inc. Buffalo, N.Y. 97.66 119.95 134,391,513 137,615,869 35,446,583
108 Fifth Third Bancorp Cincinnati 97.65 97.28 83,971,659 85,988,306 13,250,617
109 SunTrust Banks Inc. Atlanta 97.59 97.10 124,876,476 127,963,186 20,146,993
110 Cathay General Bancorp El Monte, Calif. 97.54 98.17 7,051,523 7,229,132 1,515,632
111 Wilshire Bancorp Inc. Los Angeles 97.53 100.17 2,151,485 2,206,015 309,582
112 Tower Bancorp Inc. Harrisburg, Pa. 97.52 96.53 2,074,443 2,127,093 264,497
113 JJR Holding Co. Inc. Brick, N.J. 97.31 95.61 459,860 472,572 72,314
114 Bank of Commerce Holdings Redding, Calif. 97.28 99.23 649,093 667,273 113,590
115 PlainsCapital Corp. Dallas 97.21 92.28 4,127,539 4,246,206 519,284
116 Franklin Financial Services Corp. Chambersburg, Pa. 97.14 101.81 766,410 788,956 87,182
117 Nara Bancorp Inc. Los Angeles 96.91 99.93 3,821,234 3,942,904 796,244
118 Liberty Bancshares Inc. Springfield, Mo. 96.78 106.85 889,471 919,032 92,678
119 Summit Financial Group Inc. Moorefield, W.Va. 96.73 97.67 983,229 1,016,500 102,566
120 Regent Bancorp Inc. Davie, Fla. 96.72 91.37 351,729 363,671 29,071
121 Carolina Financial Corp. Charleston, S.C. 96.62 98.25 605,611 626,828 45,640
122 Mercantile Bank Corp. Grand Rapids, Mich. 96.43 99.12 1,072,422 1,112,075 164,999
123 NRBC Holding Corp. Chicago 96.40 95.37 1,095,241 1,136,087 139,606
124 Two Rivers Financial Group Inc. Burlington, Iowa 96.02 83.72 434,560 452,561 75,100
125 Independent Bank Group Inc. McKinney, Texas 95.94 92.67 988,672 1,030,484 85,700
126 Fulton Financial Corp. Lancaster, Pa. 95.93 97.00 12,015,979 12,525,739 1,992,539
127 Harleysville Savings Financial Corp. Pa. 95.90 95.15 516,809 538,923 58,032
128 Customers Bancorp Inc. Wyomissing, Pa. 95.87 NA 1,517,512 1,582,918 147,748
129 New England Bancshares Inc. Enfield, Conn. 95.82 98.06 554,019 578,172 73,339
130 S.Y. Bancorp Inc. Louisville, Ky. 95.77 101.83 1,549,556 1,618,069 187,686
131 North State Bancorp Raleigh, N.C. 95.70 97.91 540,183 564,439 38,989
132 Community Partners Bancorp Middletown, N.J. 95.53 97.63 530,130 554,949 87,134
133 First Farmers Financial Corp. Converse, Ind. 95.46 100.72 698,277 731,479 76,229
134 Virginia Commerce Bancorp Inc. Arlington 95.43 98.88 2,187,505 2,292,158 283,771
135 Camden National Corp. Maine 95.41 100.85 1,520,089 1,593,188 218,876
136 Lake Michigan Financial Corp. Holland, Mich. 95.19 104.81 781,811 821,301 71,626
137 Passumpsic Bancorp St. Johnsbury, Vt. 94.92 97.58 437,058 460,435 58,917
138 Chinatrust Capital Corp. Torrance, Calif. 94.91 101.12 857,016 902,954 517,445
139 Banner Corp. Walla Walla, Wash. 94.84 94.76 3,296,338 3,475,654 532,450
140 BancWest Corp. San Francisco 94.70 104.94 52,063,947 54,977,712 8,540,140
141 Evans Bancorp Inc. Angola, N.Y. 94.68 96.97 583,405 616,202 80,318
142 Hampden Bancorp Inc. Springfield, Mass. 94.65 97.21 405,388 428,301 86,362
143 Associated Banc-Corp Green Bay, Wis. 94.63 83.82 14,280,266 15,090,655 2,865,794
144 First Paragould Bankshares Inc. Ark. 94.59 99.52 507,611 536,649 81,634
145 First National Bancshares Inc. East Lansing, Mich. 94.50 111.22 454,848 481,327 91,504
146 Brand Group Holdings Inc. Lawrenceville, Ga. 94.49 80.55 905,591 958,364 149,554
147 Merchants Bancorp Inc. Hillsboro, Ohio 94.40 93.30 448,580 475,181 45,901
148 Fremont Bancorp. Calif. 94.34 103.96 1,838,408 1,948,674 130,908
149 F.N.B. Corp. Hermitage, Pa. 94.25 91.80 6,870,942 7,289,768 1,210,199
150 Lakeside Bancorp Inc. Chicago 94.04 102.92 930,555 989,573 88,294
151 Citizens Financial Group Inc. Providence, R.I. 93.95 95.20 87,381,176 93,003,418 23,392,897
152 Fidelity Southern Corp. Atlanta 93.92 100.00 1,757,720 1,871,516 167,280
153 S&T Bancorp Inc. Indiana, Pa. 93.91 101.40 3,132,609 3,335,859 490,526
154 First Community Bancshares Inc. Batesville, Ark. 93.88 97.58 560,124 596,651 67,683
155 IBT Holdings Corp. City of Industry, Calif. 93.87 89.35 312,363 332,763 114,149
156 Bryn Mawr Bank Corp. Pa. 93.82 89.57 1,296,980 1,382,374 185,913
157 Enterprise Bancorp Inc. Lowell, Mass. 93.77 91.89 1,250,488 1,333,559 127,448
158 Park National Corp. Newark, Ohio 93.76 92.88 4,685,893 4,997,712 744,964
159 Wintrust Financial Corp. Lake Forest, Ill. 93.61 95.62 11,521,194 12,307,267 1,543,755
160 Huntington Bancshares Inc. Columbus, Ohio 93.53 92.79 40,527,471 43,329,225 5,468,100
161 First Mutual of Richmond Inc. Ind. 93.52 106.88 523,464 559,750 65,845
162 Eagle Bancorp Inc. Bethesda, Md. 93.35 101.70 2,233,082 2,392,095 267,570
163 Trinity Capital Corp. Los Alamos, N.M. 93.32 89.45 1,238,406 1,327,124 126,214
164 Encore Bancshares Inc. Houston 93.19 88.78 1,025,264 1,100,237 173,389
165 Bank of America Corp. Charlotte, N.C. 93.10 98.08 961,825,565 1,033,115,867 230,704,571
166 Ameriana Bancorp New Castle, Ind. 93.04 93.23 316,893 340,614 34,505
167 U.S. Bancorp Minneapolis 92.89 99.04 214,465,000 230,885,000 34,971,000
168 Lakeland Financial Corp. Warsaw, Ind. 92.70 95.21 2,236,662 2,412,697 273,289
169 MountainOne Financial Partners MHC North Adams, Mass. 92.67 91.93 527,796 569,516 65,285
170 Farmers and Merchants Investment Inc. Lincoln, Neb. 92.61 94.08 1,958,951 2,115,368 289,110
171 Peoples Financial Corp. Biloxi, Miss. 92.54 84.86 432,407 467,263 109,953
172 PSB Holdings Inc. Wausau, Wis. 92.49 94.54 445,537 481,716 50,362
173 Dimeco Inc. Honesdale, Pa. 92.35 NA 447,254 484,284 55,100
GSB MHC Greenfield, Mass. 92.35 92.55 423,028 458,080 69,264
175 Olney Bancshares of Texas Inc.. 92.30 96.75 1,466,697 1,589,073 187,777
Paragon Commercial Corp. Raleigh, N.C. 92.30 92.02 686,977 744,313 71,286
177 Reliable Community Bancshares Inc. Perryville, Mo. 92.29 97.58 622,210 674,199 82,500
178 East Asia Holding Co. Inc. New York 92.10 130.34 571,670 620,684 138,364
179 Alliance Financial Services Inc. St. Paul, Minn. 92.05 97.58 468,483 508,923 52,552
180 Midwest Bankcentre Inc. Lemay, Mo. 92.03 86.60 707,422 768,696 120,570
Choice Financial Holdings Inc. Grafton, N.D. 92.03 92.12 483,787 525,700 42,788
182 Unity Bancorp Inc. Clinton, N.J. 92.02 94.07 592,592 643,981 73,558
183 Tri-County Financial Group Inc. Mendota, Ill. 91.96 NA 569,685 619,478 68,615
184 Beacon Bancorp Taunton, Mass. 91.87 96.23 943,897 1,027,390 187,525
185 First Community Holdings Santa Rosa, Calif. 91.83 92.98 508,658 553,896 43,731
Timberland Bancorp Inc. Hoquiam, Wash. 91.83 92.74 541,014 589,175 87,330
187 First Bancshares Inc. Merrillville, Ind. 91.73 93.78 1,688,503 1,840,653 162,772
188 First Bancorp Inc. Damariscotta, Maine 91.72 91.37 864,988 943,121 150,858
189 SBT Bancshares Inc. Dallas 91.71 101.70 418,156 455,954 76,976
190 USAmericibancorp Inc. Clearwater, Fla. 91.63 92.95 1,578,294 1,722,432 172,654
191 Eagle Financial Services Inc. Berryville, Va. 91.52 95.14 410,424 448,465 58,090
United Bankshares Inc. Charleston, W.Va. 91.52 92.19 6,240,612 6,819,103 968,844
193 First National Bank Group Inc. Edinburg, Texas 91.47 92.39 2,377,000 2,598,726 171,990
194 Village Bank and Trust Financial Corp. Midlothian, Va. 91.46 94.81 444,039 485,521 43,402
195 Bank of the Ozarks Inc. Little Rock, Ark. 91.45 92.65 2,692,206 2,943,919 427,973
196 BBVA USA Bancshares Inc. Houston 91.43 89.07 42,113,035 46,059,467 10,520,285
197 First Texas BHC Inc. Fort Worth, Texas 91.34 101.96 677,933 742,177 136,649
Bankmanagers Corp. Milwaukee 91.34 95.58 612,762 670,875 83,188
199 Southwest Bancorp Inc. Stillwater, Okla. 91.26 106.79 1,753,415 1,921,382 307,186
200 Heritage Financial Corp. Olympia, Wash. 91.24 88.13 1,037,223 1,136,825 202,520


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 Dec. 31, 2011.

Source:

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