Highest Loan/Deposit Ratios Among Bank Holding Companies

January 25, 2013, 5:33 p.m. EST 1 Min Read

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Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn June 30, 2012. Dollars in thousands Published January 25, 2013
Rank		Loans as a % of deposits		Loans*	Deposits	Equity capital
Rank		June 30	Year earlier	Loans*	Deposits	Equity capital
1	MetLife Inc. New York	1,171.32%	848.25%	$80,023,091	$6,831,869	$62,729,420
2	Educational Services of America Inc. Knoxville, Tenn.	1,099.27	959.71	1,671,630	152,067	240,816
3	Principal Financial Group Inc. Des Moines, Iowa	602.53	NA	12,846,909	2,132,148	9,495,413
4	Utrecht-America Holdings Inc. New York	332.61	326.21	27,231,000	8,187,000	1,853,000
5	CIT Group Inc. New York	292.63	536.06	20,963,028	7,163,572	8,384,958
6	Ally Financial Inc. Detroit	263.82	293.05	121,913,000	46,210,000	18,364,000
7	American Express Co. New York	250.46	261.69	101,777,000	40,636,000	19,277,000
8	Ameriprise Financial Inc. Minneapolis	196.82	NA	10,022,626	5,092,187	9,612,659
9	United National Corp. Sioux Falls, S.D.	164.61	135.89	1,290,578	784,028	917,441
10	Citigroup Inc. New York	163.01	77.98	674,271,000	413,642,000	185,839,000
11	Marlin Business Services Corp. Mount Laurel, N.J.	157.91	289.47	448,428	283,983	168,465
12	Barclays Delaware Holdings LLC Wilmington	151.80	139.11	12,733,778	8,388,310	4,288,520
13	Oritani Financial Corp. Washington, N.J.	143.53	NA	2,024,004	1,410,173	510,730
14	Doral Financial Corp. San Juan, Puerto Rico	142.94	139.22	6,486,623	4,537,870	843,140
15	Malaga Financial Corp. Palos Verdes Estates, Calif.	141.12	NA	794,038	562,676	85,781
16	Discover Financial Services Riverwoods, Ill.	137.45	149.61	57,454,727	41,801,448	8,940,278
17	Dime Community Bancshares Inc. New York	136.25	NA	3,352,791	2,460,843	376,299
18	Central Bancorp Inc. Somerville, Mass.	136.08	130.90	489,907	360,024	44,915
19	Cass Information Systems Inc. Bridgeton, Mo.	135.68	137.77	693,412	511,063	168,495
20	Pedcor Capital LLC Carmel, Ind.	131.86	109.60	126,985	96,304	45,102
21	Deutsche Bank Trust Corp. New York	131.51	NA	36,291,000	27,596,000	6,503,000
22	Texas Capital Bancshares Inc. Dallas	129.77	115.96	8,643,112	6,660,352	681,001
23	Midland Financial Co. Oklahoma City	129.26	NA	7,770,920	6,011,740	1,118,539
24	Lamplighter Financial MHC Wauwatosa, Wis.	128.55	NA	1,297,304	1,009,177	118,405
25	Republic Bancorp Inc. Louisville, Ky.	128.30	125.33	2,444,487	1,905,291	539,713
26	Raymond James Financial Inc. St. Petersburg, Fla.	126.69	NA	10,486,767	8,277,305	3,581,709
27	First Foundation Inc. Irvine, Calif.	126.32	NA	594,204	470,401	51,638
28	Astoria Financial Corp. Lake Success, N.Y.	125.71	NA	13,736,227	10,927,147	1,285,611
29	New York Community Bancorp Inc. Westbury	123.85	132.62	31,068,229	25,084,434	5,615,819
30	Community Financial Corp. Staunton, Va.	120.00	NA	444,662	370,539	51,462
31	First Connecticut Bancorp Inc. Farmington	117.79	100.57	1,435,565	1,218,743	248,105
32	Investors Bancorp MHC Millburn, N.J.	117.37	125.18	9,338,960	7,956,870	1,024,930
33	Northern Bankshares Inc. McFarland, Wis.	116.25	NA	377,159	324,424	31,600
34	Flagstar Bancorp Inc. Troy, Mich.	116.08	NA	10,485,261	9,032,622	1,178,349
35	First Financial Banc Corp. El Dorado, Ark.	115.11	112.60	694,050	602,957	69,866
36	Third Federal Savings and Loan Association MHC Cleveland	115.01	NA	10,457,583	9,092,850	1,805,573
37	Hudson City Bancorp Inc. Paramus, N.J.	114.77	NA	28,283,689	24,644,548	4,663,613
38	Coastal Affiliates MHC Hyannis, Mass.	114.62	106.49	562,496	490,739	65,356
39	Cardinal Financial Corp. McLean, Va.	114.00	117.04	2,268,064	1,989,490	276,422
40	First Western Mortgage Corp. Fort Worth, Texas	113.94	NA	747,401	655,944	176,208
41	Brookline Bancorp Inc. Mass.	113.91	119.35	4,013,714	3,523,625	602,804
42	C&F Financial Corp. West Point, Va.	113.27	110.26	744,794	657,540	93,905
43	Northern Bancorp Inc. Woburn, Mass.	113.17	111.43	677,443	598,587	75,886
44	Kaiser Federal Financial Group Inc. Covina, Calif.	113.08	NA	772,223	682,909	154,148
45	Capitol Federal Financial Inc. Topeka, Kan.	112.83	NA	5,222,276	4,628,648	1,832,858
46	Fidelity Holding Co. Minnetonka, Minn.	112.50	88.24	316,364	281,209	58,202
	Lauritzen Corp. Omaha, Neb.	112.50	116.74	807,351	717,646	584,015
48	State Bankshares Inc. Fargo, N.D.	112.19	109.92	2,194,768	1,956,316	169,831
49	BOFI Holdings Inc. San Diego	112.03	NA	1,809,381	1,615,088	209,416
50	Viewpoint Financial Group Inc. Plano, Texas	111.79	NA	2,525,326	2,258,952	505,576
51	F&M Bank Corp. Timberville, Va.	111.34	115.46	491,524	441,467	47,771
52	Southern First Bancshares Inc. Greenville, S.C.	111.29	103.61	618,874	556,104	63,172
53	BSB Bancorp MHC Belmont, Mass.	111.24	105.35	598,804	538,282	132,327
54	TCF Financial Corp. Wayzata, Minn.	110.94	122.01	15,244,168	13,741,144	1,755,908
55	Columbia Bank MHC Fair Lawn, N.J.	110.85	NA	3,221,880	2,906,573	398,887
56	Boston Private Financial Holdings Inc.	110.84	96.93	5,103,464	4,604,343	594,843
57	Beacon Federal Bancorp Inc. East Syracuse, N.Y.	110.26	NA	748,042	678,452	115,173
58	Androscoggin Bancorp MHS Lewiston, Maine	110.16	107.10	575,835	522,720	77,899
59	North Jersey Community Bancorp Inc. Englewood Cliffs, N.J.	109.52	107.51	729,846	666,432	67,953
60	Diamond Bancorp Inc. Washington, Mo.	109.27	120.00	652,488	597,150	64,748
61	Ambank Co. Inc. Sioux Center, Iowa	109.21	109.05	722,282	661,400	72,574
62	Newburyport Five Centers Bancorp MHC Mass.	108.97	NA	489,053	448,792	101,540
63	Santander Holdings USA Inc. Boston	108.79	NA	52,922,468	48,647,500	13,031,555
64	Hills Bancorp. Iowa	108.78	110.61	1,697,585	1,560,638	245,638
65	Provident Financial Holdings Inc. Riverside, Calif.	108.63	NA	1,049,958	966,532	144,777
66	Naugatuck Valley Financial Corp. Conn.	108.62	NA	454,290	418,248	80,655
67	Stearns Financial Services Inc. St. Cloud, Minn.	108.13	103.94	1,157,399	1,070,374	194,805
68	PlainsCapital Corp. Dallas	108.08	94.01	4,272,077	3,952,678	564,327
69	Alikat Investments Inc. Gurnee, Ill.	107.90	109.58	302,724	280,570	36,516
70	Mascoma Mutual Financial Services Lebanon, N.H.	107.78	NA	797,597	740,048	104,457
71	ESSA Bancorp Inc. Stroudsburg, Pa.	107.54	NA	748,300	695,839	163,674
72	BBVA PR Holding Corp. San Juan, Puerto Rico	107.34	119.50	3,702,317	3,449,099	612,316
73	FB Bancorp San Antonio	107.29	NA	509,073	474,485	64,445
74	Adam Bank Group Inc. Tampa, Fla.	107.03	101.03	789,719	737,861	156,451
75	Teche Holding Co. New Iberia, La.	106.90	93.11	661,053	618,384	81,680
	Rockville Financial Inc. Conn.	106.90	112.61	1,563,224	1,462,337	322,705
77	NASB Financial Inc. Grandview, Mo.	106.73	NA	931,059	872,337	161,209
78	Security State Bancshares Inc. Charleston, Mo.	106.61	106.37	526,333	493,684	51,236
79	Monarch Financial Holdings Inc. Chesapeake, Va.	106.40	96.48	907,730	853,116	81,237
80	Rollstone Bancorp MHC Fitchburg, Mass.	105.75	NA	337,952	319,563	53,762
81	Sword Financial Corp. Horicon, Wis.	105.48	105.71	471,263	446,775	38,980
82	Bar Harbor Bankshares Maine	105.40	100.30	776,931	737,096	124,554
83	Valley National Bancorp Wayne, N.J.	105.35	99.10	11,453,822	10,871,679	1,503,073
84	Park Bancorp. Inc. Madison, Wis.	105.24	102.31	595,559	565,883	60,819
85	F&M Financial Corp. Clarksville, Tenn.	105.12	95.32	669,664	637,040	60,459
86	Washington Trust Bancorp Inc. Westerly, R.I.	105.02	103.50	2,237,372	2,130,465	292,734
87	Norway Bancorp MHC Maine	104.91	110.64	763,651	727,922	108,135
88	Peoples Federal Bancshares Inc. Brighton, Mass.	104.76	NA	436,881	417,041	111,447
89	United Community Financial Corp. Grand Rapids, Mich.	104.65	106.23	387,230	370,015	38,725
90	First BanCorp. San Juan, Puerto Rico	104.48	97.12	10,343,411	9,900,173	1,448,959
91	Machias Bancorp MHC Maine	104.14	104.77	845,310	811,740	120,609
92	Severn Bancorp Inc. Annapolis, Md.	104.08	NA	675,907	649,440	106,866
93	Atlantic Coast Financial Corp. Jacksonville, Fla.	103.94	NA	523,630	503,801	43,988
94	Spirit Bankcorp Inc. Bristow, Okla.	103.82	99.35	911,517	877,965	73,998
95	County Bancorp Inc. Manitowoc, Wis.	103.69	103.48	584,613	563,826	78,821
96	National Consumer Cooperative Bank Washington	103.53	NA	1,330,527	1,285,129	201,152
97	Citizens Bancshares Inc. Bluffton, Ohio	103.49	99.57	450,795	435,598	56,613
98	BTC Financial Corp. Des Moines, Iowa	103.27	108.55	2,279,952	2,207,788	189,883
99	Flushing Financial Corp. N.Y.	103.20	NA	3,236,235	3,135,865	430,966
100	Adbanc Inc. Ogallala, Neb.	103.15	106.25	453,355	439,494	76,992
101	Salem Five Bancorp Mass.	103.12	98.72	2,314,205	2,244,228	320,974
102	First Horizon National Corp. Memphis, Tenn.	103.05	103.54	16,610,626	16,118,412	2,514,406
103	Luther Burbank Corp. Santa Rosa, Calif.	103.01	NA	3,305,410	3,208,961	296,752
104	Goldman Sachs Group Inc. New York	102.92	134.52	58,887,000	57,216,000	74,078,000
105	Santander BanCorp San Juan, Puerto Rico	102.78	108.18	5,447,743	5,300,505	834,895
106	Waupaca Bancorp. Inc. Wis.	102.71	98.81	689,071	670,894	81,632
107	Community West Bancshares Goleta, Calif.	102.60	111.25	490,749	478,311	50,378
108	Manhattan Banking Corp. Kan.	102.07	103.07	684,886	670,983	70,392
109	South Shore Bancorp MHC South Weymouth, Mass.	102.06	92.11	684,838	671,034	101,819
110	Chinatrust Capital Corp. Torrance, Calif.	101.77	90.37	972,210	955,261	528,882
111	Taylor Capital Group Inc. Rosemont, Ill.	101.66	100.32	3,237,520	3,184,610	436,408
112	JJR Holding Co. Inc. Brick, N.J.	101.54	101.15	464,933	457,866	74,051
113	First Palmetto Financial Corp. Camden, S.C.	101.43	NA	485,998	479,165	65,617
114	Everbank Financial Corp. Jacksonville, Fla.	101.35	NA	10,964,028	10,817,688	1,181,369
115	Ida Grove Bancshares Inc. Iowa	101.21	103.14	954,567	943,197	111,652
116	Sterling Bancorp Inc. Southfield, Mich.	101.15	NA	692,353	684,480	86,482
117	Citizens Community Bancorp Inc. Eau Claire, Wis.	101.07	NA	431,380	426,814	54,096
118	Southern Missouri Bancorp Inc. Poplar Bluff	101.05	100.51	590,956	584,813	94,728
119	Chicopee Bancorp Inc. Mass.	100.99	110.77	459,091	454,576	88,585
120	Cecil Bankshares Corp. Patten, Maine	100.96	102.53	477,444	472,925	56,736
121	Foster Bankshares Inc. Rolling Meadows, Ill.	100.90	105.29	361,987	358,756	14,448
122	CB&T Holding Corp. New Orleans	100.88	102.79	638,381	632,784	57,665
123	Montgomery Bancorp. Inc. Sikeston, Mo.	100.83	98.67	722,244	716,333	48,019
124	BBCN Bancorp Inc. Los Angeles	100.63	99.88	3,907,132	3,882,685	715,461
125	M&T Bank Corp. Buffalo, N.Y.	100.48	98.84	62,851,272	62,548,807	9,629,907
126	Liberty Bancshares Inc. Springfield, Mo.	100.46	99.73	869,915	865,962	98,039
127	Southern National Bancorp of Virginia Inc. McLean	100.37	109.81	546,645	544,641	103,012
	Berkshire Hills Bancorp Inc. Pittsfield, Mass.	100.37	NA	3,424,899	3,412,384	583,270
129	Access National Corp. Reston, Va.	100.29	113.64	682,910	680,931	89,048
130	Customers Bancorp Inc. Wyomissing, Pa.	100.24	NA	1,934,405	1,929,863	158,716
131	WashingtonFirst Bankshares Inc. Reston, Va.	100.06	NA	444,567	444,315	55,075
132	First Financial Holdings Inc. Charleston, S.C.	99.98	NA	2,702,771	2,703,202	287,264
133	Fifth Third Bancorp Cincinnati	99.63	97.91	84,221,766	84,537,391	13,824,178
134	GSB MHC Greenfield, Mass.	99.48	94.60	458,003	460,404	69,732
135	SunTrust Banks Inc. Atlanta	99.44	93.63	127,733,109	128,453,031	20,567,890
136	Community Trust Financial Corp. Ruston, La.	99.32	95.12	2,161,875	2,176,724	240,873
137	Pulaski Financial Corp. St. Louis	99.29	NA	1,131,918	1,140,024	124,026
138	Pacific Mercantile Bancorp Costa Mesa, Calif.	99.23	87.68	851,351	857,992	119,717
	Beal Financial Corp. Plano, Texas	99.23	NA	5,283,340	5,324,451	1,191,581
140	Susquehanna Bancshares Inc. Lititz, Pa.	99.20	102.48	12,589,612	12,690,548	2,544,730
141	Brand Group Holdings Inc. Lawrenceville, Ga.	99.04	83.56	1,052,197	1,062,366	131,253
142	East Asia Holding Co. Inc. New York	98.92	103.83	555,010	561,093	140,925
143	Fidelity Southern Corp. Atlanta	98.65	91.14	1,960,538	1,987,274	178,909
144	Independent Bank Group Inc. McKinney, Texas	98.64	93.59	1,185,369	1,201,765	109,951
145	Mackinac Financial Corp. Manistique, Mich.	98.61	98.79	419,453	425,380	60,352
146	Winter Trust of 12/3/74 Lawrence, Kan.	98.57	76.42	572,103	580,397	48,576
147	Fulton Financial Corp. Lancaster, Pa.	98.54	97.04	12,054,239	12,232,484	2,041,184
148	First PacTrust Bancorp Inc. Irvine, Calif.	98.51	NA	840,585	853,260	182,295
149	Associated Banc-Corp Green Bay, Wis.	98.34	93.66	14,856,383	15,106,871	2,909,621
150	Fairfield County Bank MHC Ridgefield, Conn.	98.30	NA	1,196,541	1,217,293	150,585
151	Lake Michigan Financial Corp. Holland, Mich.	98.28	99.03	787,865	801,649	73,506
152	MountainOne Financial Partners MHC North Adams, Mass.	98.25	91.50	560,799	570,768	65,453
153	Guaranty Federal Bancshares Inc. Springfield, Mo.	98.24	105.75	488,725	497,479	50,404
154	Nutmeg Financial MHC Naugatuck, Conn.	98.18	NA	764,252	778,429	94,955
155	First Clover Leaf Financial Corp. Edwardsville, Ill.	98.17	NA	397,831	405,252	78,211
156	Independent Bank Corp. Rockland, Mass.	98.14	98.55	4,002,970	4,078,865	483,592
157	Unity Bancorp Inc. Clinton, N.J.	98.13	95.93	604,901	616,448	74,901
158	AFNB Holdings Inc. Houston	98.07	88.20	702,204	716,002	122,429
159	First National Bancshares Inc. East Lansing, Mich.	98.04	115.25	462,303	471,547	95,919
160	NRBC Holding Corp. Chicago	97.83	96.76	1,089,036	1,113,155	144,821
161	Amarillo National Bancorp Inc. Texas	97.81	90.23	2,405,606	2,459,522	379,722
162	New Hampshire Thrift Bancshares Inc. Newport	97.59	NA	810,425	830,446	110,219
163	Beacon Bancorp Taunton, Mass.	97.49	96.07	993,381	1,018,920	195,025
164	Virginia Commerce Bancorp Inc. Arlington	97.31	95.66	2,191,055	2,251,692	303,294
165	HMN Financial Inc. Rochester, Minn.	96.90	NA	518,911	535,501	59,531
166	USAmericibancorp Inc. Clearwater, Fla.	96.74	92.84	1,803,956	1,864,803	183,867
167	Independent Holdings Inc. Memphis, Tenn.	96.62	97.20	702,659	727,251	95,454
168	Fremont Bancorp. Calif.	96.56	96.29	1,912,656	1,980,852	150,491
169	Northwest Bancshares Inc. Warren, Pa.	96.55	NA	5,675,956	5,878,530	1,169,142
170	Summit Financial Group Inc. Moorefield, W.Va.	96.52	94.60	966,806	1,001,669	105,707
	People's United Financial Inc. Bridgeport, Conn.	96.52	NA	20,718,253	21,464,578	5,146,603
172	Bank of Commerce Holdings Redding, Calif.	96.51	99.43	658,649	682,463	113,591
173	Nicolet Bankshares Inc. Green Bay, Wis.	96.49	97.62	521,234	540,186	76,219
174	Eagle Bancorp Inc. Bethesda, Md.	96.34	101.71	2,422,004	2,514,011	290,811
175	Camco Financial Corp. Cambridge, Ohio	96.31	104.61	617,368	641,044	46,775
176	Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb.	96.30	98.08	538,212	558,896	65,262
177	Horizon Bancorp Michigan City, Ind.	96.24	82.68	1,006,439	1,045,789	130,612
178	Olney Bancshares of Texas Inc..	96.05	99.50	1,521,181	1,583,756	211,356
179	F&M Financial Corp. Granite Quarry, N.C.	95.99	104.19	421,557	439,170	74,817
180	IMB Holdco LLC Pasadena, Calif.	95.98	NA	14,465,226	15,071,618	4,533,149
181	Carolina Financial Corp. Charleston, S.C.	95.97	91.77	613,644	639,380	51,297
182	Mercantile Bank Corp. Grand Rapids, Mich.	95.96	89.99	1,060,996	1,105,630	149,662
183	Bank of the Ozarks Inc. Little Rock, Ark.	95.89	85.50	2,693,407	2,808,986	463,008
184	Community Partners Bancorp Middletown, N.J.	95.80	92.59	548,956	573,000	89,465
185	New England Bancshares Inc. Enfield, Conn.	95.77	94.46	565,517	590,497	72,858
186	Camden National Corp. Maine	95.75	100.41	1,536,464	1,604,712	226,088
187	Capital One Financial Corp. McLean, Va.	95.40	102.81	204,215,323	214,057,990	37,193,292
188	Wilshire Bancorp Inc. Los Angeles	95.36	101.84	2,083,090	2,184,485	289,056
189	Cathay General Bancorp El Monte, Calif.	95.27	97.29	7,035,327	7,384,233	1,573,003
190	FSB Mutual Holdings Inc. Perkasie, Pa.	95.23	102.26	651,485	684,112	145,857
191	S.Y. Bancorp Inc. Louisville, Ky.	95.20	100.72	1,584,519	1,664,374	196,302
192	Union Bankshares Inc. Morrisville, Vt.	94.99	NA	436,410	459,407	41,028
193	First Community Holdings Santa Rosa, Calif.	94.94	93.22	461,373	485,954	48,342
194	Northfield MHC Northfield, Vt.	94.86	85.83	476,204	502,014	90,290
195	Urban Trust Holdings Inc. Lake Mary, Fla.	94.84	NA	445,007	469,198	78,235
196	State Capital Corp. Cleveland, Miss.	94.82	88.25	680,884	718,057	111,601
197	RBS Citizens Financial Group Inc. Providence, R.I.	94.80	96.00	88,276,628	93,122,355	23,853,591
198	First Texas BHC Inc. Fort Worth, Texas	94.79	88.62	752,354	793,715	136,665
199	Wintrust Financial Corp. Lake Forest, Ill.	94.77	93.28	12,374,456	13,057,581	1,722,283
200	Hampden Bancorp Inc. Springfield, Mass.	94.63	96.44	412,420	435,819	87,160

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 June 30, 2012. Figures for thrifts are not available for 2011 due to revised reporting standards.

Source:

Financial Information Systems LLC