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Highest Loan/Deposit Ratios Among Bank Holding Companies

July 10, 2013, 1:46 p.m. EDT 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn Dec. 31, 2012. Dollars in thousands
Published July 10, 2013
Rank   Loans as a % of deposits Loans* Deposits Equity capital
Dec. 31 Year earlier
1 Principal Financial Group Inc. Des Moines, Iowa 611.61 NA $13,300,917 $2,174,745 $9,833,565
2 Educational Services of America Inc. Knoxville, Tenn. 478.57 911.64 1,874,699 391,731 246,572
3 Utrecht-America Holdings Inc. New York 276.90 317.91 27,319,000 9,866,000 1,904,000
4 Ally Financial Inc. Detroit 251.88 286.97 127,466,000 50,605,000 19,945,000
5 American Express Co. New York 242.51 239.15 108,959,000 44,930,000 18,896,000
6 CIT Group Inc. New York 218.24 354.56 21,135,651 9,684,514 8,339,478
7 Oritani Financial Corp. Township of Washington, N.J. 161.00 NA 2,214,072 1,375,179 506,226
8 United National Corp. Sioux Falls, S.D. 154.45 154.06 1,379,045 892,876 1,018,995
9 Barclays Delaware Holdings LLC Wilmington 150.26 175.29 14,472,986 9,632,257 4,388,686
10 Discover Financial Services Riverwoods, Ill. 148.17 148.28 62,598,623 42,247,584 9,873,202
11 Doral Financial Corp. San Juan, Puerto Rico 142.89 142.25 6,612,865 4,628,008 835,673
12 Pedcor Capital LLC Carmel, Ind. 141.78 113.52 133,862 94,415 46,026
13 Midland Financial Co. Oklahoma City 140.05 NA 7,938,455 5,668,359 1,161,871
14 Dime Community Bancshares Inc. New York 136.85 NA 3,506,368 2,562,182 391,574
15 Marlin Business Services Corp. Mount Laurel, N.J. 134.63 197.87 509,504 378,444 174,250
16 Republic Bancorp Inc. Louisville, Ky. 134.19 132.05 2,660,811 1,982,928 536,702
17 Texas Capital Bancshares Inc. Dallas 133.87 137.73 9,961,109 7,440,934 836,833
18 Lamplighter Financial MHC Wauwatosa, Wis. 131.89 NA 1,267,285 960,865 202,688
19 Malaga Financial Corp. Palos Verdes Estates, Calif. 129.62 NA 782,878 603,959 89,264
20 New York Community Bancorp Inc. Westbury 127.65 135.77 31,771,972 24,890,279 5,660,564
21 Astoria Financial Corp. Lake Success, N.Y. 125.06 NA 13,293,755 10,630,185 1,293,989
22 Viewpoint Financial Group Inc. Plano, Texas 124.73 103.73 2,752,342 2,206,572 520,871
23 Raymond James Financial Inc. St. Petersburg, Fla. 123.58 NA 11,056,473 8,946,665 3,809,581
24 Capitol Federal Financial Inc. Topeka, Kan. 122.66 NA 5,651,394 4,607,350 1,669,951
25 Fidelity Holding Co. Minnetonka, Minn. 122.65 122.43 427,353 348,420 62,211
26 Cass Information Systems Inc. Bridgeton, Mo. 122.00 122.47 687,733 563,707 174,015
27 Flagstar Bancorp Inc. Troy, Mich. 121.89 NA 10,620,510 8,712,977 1,159,362
28 Monarch Financial Holdings Inc. Chesapeake, Va. 119.79 110.60 1,080,216 901,727 88,947
29 F&M Bank Corp. Timberville, Va. 119.66 117.47 543,026 453,796 49,384
30 Investors Bancorp MHC Millburn, N.J. 118.70 120.49 10,477,063 8,826,261 1,066,816
31 Lauritzen Corp. Omaha, Neb. 118.51 123.29 870,450 734,467 607,583
32 Taylor Capital Group Inc. Rosemont, Ill. 116.39 99.71 4,106,682 3,528,342 559,603
33 First Texas BHC Inc. Fort Worth, Texas 116.01 91.34 941,350 811,472 140,823
34 Hudson City Bancorp Inc. Paramus, N.J. 115.84 NA 27,204,280 23,483,917 4,699,979
35 First Connecticut Bancorp Inc. Farmington 115.62 111.08 1,547,347 1,338,334 239,566
36 Cardinal Financial Corp. McLean, Va. 115.39 121.75 2,589,181 2,243,758 308,066
37 Brookline Bancorp Inc. Mass. 115.34 120.94 4,178,945 3,623,205 615,809
38 Provident Financial Holdings Inc. Riverside, Calif. 115.25 NA 1,085,021 941,419 155,856
39 Northern Bankshares Inc. McFarland, Wis. 115.03 NA 367,551 319,528 27,975
40 BOFI Holdings Inc. San Diego 115.02 NA 2,263,937 1,968,265 242,613
41 First Foundation Inc. Irvine, Calif. 114.42 NA 743,627 649,906 73,580
42 Severn Bancorp Inc. Annapolis, Md. 113.50 NA 680,305 599,394 108,017
43 Third Federal Savings & Loan Association MHC Cleveland 113.41 NA 10,268,201 9,054,446 1,820,006
44 Customers Bancorp Inc. Wyomissing, Pa. 113.26 95.87 2,764,356 2,440,818 269,475
45 Deutsche Bank Trust Corp. New York 113.02 NA 36,079,000 31,924,000 6,800,000
46 First Financial Banc Corp. El Dorado, Ark. 112.00 113.71 690,645 616,665 74,029
47 Beal Financial Corp. Plano, Texas 111.64 NA 5,575,627 4,994,494 2,479,801
48 First Western Mortgage Corp. Fort Worth, Texas 111.60 NA 783,750 702,283 189,977
49 Southern First Bancshares Inc. Greenville, S.C. 111.41 105.90 645,949 579,793 64,125
50 Everbank Financial Corp. Jacksonville, Fla. 110.93 NA 14,593,134 13,154,965 1,451,176
51 BSB Bancorp MHC Belmont, Mass. 110.39 123.09 671,940 608,724 133,307
  North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 110.39 103.32 849,247 769,317 72,332
53 Newburyport Five Centers Bancorp MHC Mass. 109.98 107.40 491,141 446,561 105,138
54 Northern Bancorp Inc. Woburn, Mass. 109.95 105.17 796,315 724,232 80,174
55 Androscoggin Bancorp MHS Lewiston, Maine 109.60 110.60 597,758 545,382 80,877
56 National Consumer Cooperative Bank Washington, D.C. 109.47 NA 1,357,259 1,239,833 207,384
57 TCF Financial Corp. Wayzata, Minn. 109.31 115.60 15,436,013 14,120,805 1,876,643
58 Coastal Affiliates MHC Hyannis, Mass. 109.21 110.40 571,896 523,653 68,593
59 Adam Bank Group Inc. College Station, Texas 109.07 102.90 755,057 692,239 161,164
60 Pacific Premier Bancorp Inc. Costa Mesa, Calif. 108.97 88.82 985,888 904,769 134,517
61 Rollstone Bancorp MHC Fitchburg, Mass. 108.71 NA 353,497 325,168 54,942
62 Access National Corp. Reston, Va. 108.49 103.03 728,520 671,496 91,267
63 FB Bancorp San Antonio 108.44 NA 555,532 512,273 65,726
64 C&F Financial Corp. West Point, Va. 108.18 110.53 742,836 686,652 102,197
65 Columbia Bank MHC Fair Lawn, N.J. 107.83 NA 3,273,370 3,035,678 358,286
66 Kaiser Federal Financial Group Inc. Covina, Calif. 107.80 NA 727,689 675,016 149,409
67 Flushing Financial Corp. N.Y. 107.46 NA 3,239,432 3,014,465 442,365
68 Sterling Bancorp Inc. Southfield, Mich. 106.96 NA 765,559 715,776 89,617
69 Community West Bancshares Goleta, Calif. 106.78 106.86 463,664 434,220 53,049
70 First National Bancshares Inc. East Lansing, Mich. 106.61 94.50 488,677 458,379 85,911
71 Peoples Federal Bancshares Inc. Brighton, Mass. 106.55 NA 456,524 428,449 108,834
72 Rockville Financial Inc. Conn. 106.49 110.54 1,609,627 1,511,545 320,611
73 Naugatuck Valley Financial Corp. Conn. 106.15 NA 435,070 409,882 73,112
74 Norway Bancorp MHC Maine 105.68 107.48 776,251 734,525 114,186
75 Ambank Co. Inc. Sioux Center, Iowa 105.54 100.87 773,002 732,408 77,487
76 Fremont Bancorp. Calif. 105.47 94.34 2,213,200 2,098,509 165,958
77 Machias Bancorp MHC Maine 105.46 107.23 857,058 812,719 125,422
78 Hills Bancorp. Iowa 105.29 112.53 1,750,418 1,662,544 255,911
79 Santander Holdings USA Inc. Boston 105.25 NA 53,232,353 50,575,332 13,242,002
80 Sterling Financial Corp. Spokane, Wash. 105.24 89.78 6,722,104 6,387,221 1,217,923
81 Chinatrust Capital Corp. Torrance, Calif. 105.21 94.91 1,056,528 1,004,203 532,723
82 Luther Burbank Corp. Santa Rosa, Calif. 105.12 NA 3,348,951 3,185,889 316,150
83 Gorham Bancorp MHC Maine 104.43 99.11 645,671 618,285 81,749
84 First PacTrust Bancorp Inc. Chula Vista, Calif. 104.17 NA 1,361,629 1,307,146 187,458
85 Independent Holdings Inc. Memphis, Tenn. 103.98 102.00 699,966 673,173 88,373
86 Security State Bancshares Inc. Charleston, Mo. 103.75 101.89 524,543 505,575 52,237
87 Southern Missouri Bancorp Inc. Poplar Bluff 103.45 90.27 627,332 606,406 98,934
88 Mackinac Financial Corp. Manistique, Mich. 103.36 99.12 449,177 434,557 72,448
89 HomeTrust Bancshares Inc. Asheville, N.C. 103.29 NA 1,193,098 1,155,049 373,901
90 Waupaca Bancorp. Inc. Wis. 103.27 100.65 721,268 698,408 100,674
91 State Bankshares Inc. Fargo, N.D. 103.18 103.40 2,337,394 2,265,337 184,295
92 Paragon Commercial Corp. Raleigh, N.C. 103.15 92.30 722,366 700,302 75,985
93 F&M Financial Corp. Clarksville, Tenn. 103.05 98.23 671,063 651,229 62,599
94 Ida Grove Bancshares Inc. Iowa 102.99 103.69 1,005,518 976,299 116,898
95 First Horizon National Corp. Memphis, Tenn. 102.89 103.69 17,111,359 16,630,591 2,509,207
96 Nexbank Capital Inc. Dallas 102.88 NA 569,842 553,868 83,240
97 Urban Trust Holdings Inc. Lake Mary, Fla. 102.84 NA 455,002 442,454 84,531
98 First BanCorp. San Juan, Puerto Rico 102.67 106.56 10,127,625 9,864,546 1,485,023
99 Mascoma Mutual Financial Services Lebanon, N.H. 102.66 NA 792,720 772,147 108,125
100 Bar Harbor Bankshares Maine 102.51 100.85 815,004 795,012 128,046
101 Susquehanna Bancshares Inc. Lititz, Pa. 102.50 101.53 12,894,741 12,580,057 2,595,909
102 Salem Five Bancorp Mass. 102.38 101.17 2,376,512 2,321,287 331,384
103 Pulaski Financial Corp. St. Louis 102.31 NA 1,173,240 1,146,724 120,242
104 Winter Trust of 12/3/74 Lawrence, Kan. 102.19 108.50 619,094 605,847 55,707
105 IMB Holdco LLC Pasadena, Calif. 101.94 NA 15,374,622 15,082,099 4,114,410
106 Wilshire Bancorp Inc. Los Angeles 101.66 97.53 2,207,341 2,171,401 342,417
107 Teche Holding Co. New Iberia, La. 101.64 105.28 643,288 632,915 84,767
108 Spirit Bankcorp Inc. Bristow, Okla. 101.53 105.06 825,595 813,114 58,017
109 County Bancorp Inc. Manitowoc, Wis. 101.48 105.43 621,886 612,816 80,851
110 M&T Bank Corp. Buffalo, N.Y. 101.46 101.18 66,570,957 65,611,253 10,202,593
111 Clayton Bancorp Inc. Knoxville, Tenn. 101.45 102.26 758,426 747,585 141,179
112 Washington Trust Bancorp Inc. Westerly, R.I. 101.36 101.94 2,344,059 2,312,683 295,652
113 Nutmeg Financial MHC Naugatuck, Conn. 100.95 NA 764,619 757,398 93,025
114 NASB Financial Inc. Grandview, Mo. 100.94 NA 887,515 879,234 179,860
115 GSB MHC Greenfield, Mass. 100.81 92.35 472,118 468,304 71,666
116 Citizens Bancshares Inc. Bluffton, Ohio 100.80 100.22 472,719 468,981 59,778
117 Atlantic Coast Financial Corp. Jacksonville, Fla. 100.74 NA 504,658 500,967 40,260
118 Chicopee Bancorp Inc. Mass. 100.73 99.19 469,575 466,177 89,969
119 Boston Private Financial Holdings Inc. 100.69 102.80 5,122,526 5,087,260 622,389
120 Fidelity Southern Corp. Atlanta 100.63 93.92 2,081,125 2,068,011 192,888
121 Cathay General Bancorp El Monte, Calif. 100.48 97.54 7,418,909 7,383,225 1,629,504
122 Independent Bank Corp. Rockland, Mass. 100.43 98.38 4,567,130 4,547,746 529,320
  VB Texas Inc. Houston 100.43 79.86 472,189 470,181 84,323
124 Carolina Bank Holdings Inc. Greensboro, N.C. 100.39 81.57 593,491 591,213 53,862
125 People's United Financial Inc. Bridgeport, Conn. 100.37 NA 21,846,958 21,766,550 5,038,808
126 CB&T Holding Corp. New Orleans 100.36 102.69 674,973 672,551 68,270
127 Santander BanCorp San Juan, Puerto Rico 100.14 110.06 5,845,226 5,837,011 886,020
128 South Shore Bancorp MHC South Weymouth, Mass. 100.08 99.22 683,150 682,593 104,821
129 Carolina Financial Corp. Charleston, S.C. 99.91 96.62 656,265 656,872 67,514
  USAmericibancorp Inc. Clearwater, Fla. 99.91 91.63 2,058,021 2,059,917 201,081
131 Stearns Financial Services Inc. St. Cloud, Minn. 99.85 106.78 1,250,767 1,252,658 192,766
132 Fox Chase Bancorp Inc. Hatboro, Pa. 99.79 NA 695,035 696,495 181,465
133 Cecil Bankshares Corp. Patten, Maine 99.72 103.10 481,586 482,932 58,119
134 Beacon Bancorp Taunton, Mass. 99.70 91.87 1,025,541 1,028,664 201,179
135 NRBC Holding Corp. Chicago 99.64 96.40 1,015,338 1,019,006 131,331
136 Goldman Sachs Group Inc. New York 99.40 116.61 69,586,000 70,006,000 76,224,000
137 BCB Bancorp Inc. Bayonne, N.J. 99.37 87.36 934,869 940,807 91,582
138 Berkshire Hills Bancorp Inc. Pittsfield, Mass. 99.34 NA 4,074,021 4,101,190 666,191
139 Sword Financial Corp. Horicon, Wis. 99.32 103.40 466,876 470,082 41,008
140 First Financial Northwest Inc. Renton, Wash. 99.20 NA 663,010 668,380 187,117
141 BBCN Bancorp Inc. Los Angeles 99.18 96.96 4,347,888 4,384,035 751,104
142 Independent Bank Group Inc. McKinney, Texas 99.13 95.94 1,378,676 1,390,741 124,510
143 Fairfield County Bank MHC Ridgefield, Conn. 99.12 NA 1,206,720 1,217,375 147,311
144 MountainOne Financial Partners MHC North Adams, Mass. 99.04 92.67 568,770 574,267 64,952
145 HomeStreet Inc. Seattle 98.99 NA 1,957,334 1,977,337 263,762
146 Olney Bancshares of Texas Inc.. 98.98 92.30 1,589,195 1,605,501 210,948
147 Valley National Bancorp Wayne, N.J. 98.93 101.57 11,143,028 11,264,018 1,502,377
148 Parke Bancorp Inc. Swell, N.J. 98.90 98.50 630,207 637,207 83,543
149 Assabet Valley Bancorp Hudson, Mass. 98.88 90.22 778,986 787,819 91,303
  Fifth Third Bancorp Cincinnati 98.88 97.65 88,720,445 89,726,715 13,764,462
151 Lakeside Bancorp Inc. Chicago 98.78 94.04 934,433 945,933 99,075
152 Citizens Community Bancorp Inc. Eau Claire, Wis. 98.55 NA 421,119 427,309 55,266
153 SI Financial Group Inc. Willimantic, Conn. 98.36 NA 696,839 708,456 125,759
154 First Financial Holdings Inc. Charleston, S.C. 98.27 NA 2,550,525 2,595,333 299,641
155 United Financial Bancorp Inc. West Springfield, Mass. 98.20 NA 1,819,309 1,852,699 307,189
156 Northwest Bancshares Inc. Warren, Pa. 98.15 NA 5,717,180 5,824,907 1,128,469
157 Virginia Commerce Bancorp Inc. Arlington 98.02 95.43 2,200,840 2,245,392 245,309
158 First Community Holdings Santa Rosa, Calif. 97.92 91.83 494,028 504,500 53,172
159 Fulton Financial Corp. Lancaster, Pa. 97.91 95.93 12,212,503 12,473,091 2,081,656
160 Meridian Financial Services Inc. East Boston 97.67 84.68 1,821,792 1,865,192 367,758
161 First Palmetto Financial Corp. Camden, S.C. 97.66 NA 447,280 457,995 64,331
162 ESSA Bancorp Inc. Stroudsburg, Pa. 97.52 NA 950,636 974,835 177,347
163 Manhattan Banking Corp. Kan. 97.30 100.58 769,160 790,508 78,214
164 Merchants Bancorp Inc. Hillsboro, Ohio 97.03 94.40 463,139 477,312 50,831
165 The Prosperity Banking Co. St. Augustine, Fla. 97.01 90.44 463,683 477,969 17,966
166 Capital One Financial Corp. McLean, Va. 96.99 106.37 206,212,784 212,608,580 40,500,874
  New Hampshire Thrift Bancshares Inc. Newport 96.99 NA 924,186 952,843 129,493
168 Planters Financial Group Inc. Hopkinsville, Tenn. 96.96 85.53 502,628 518,385 58,670
169 Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb. 96.94 97.70 578,322 596,608 68,485
170 United Bankshares Inc. Charleston, W.Va. 96.69 91.52 6,529,178 6,753,017 992,251
171 F&M Financial Corp. Granite Quarry, N.C. 96.42 104.55 416,333 431,780 61,721
172 Choice Financial Holdings Inc. Grafton, N.D. 96.39 92.03 550,310 570,949 51,331
173 Fidelity Mutual Holding Co. Fitchburg, Mass. 96.30 89.66 394,201 409,361 41,496
174 Metropolitan Bank Holding Corp. New York 96.23 89.80 421,089 437,568 50,741
175 Southern National Bancorp of Virginia Inc. McLean 96.16 106.84 530,151 551,309 103,176
176 Park Bancorp. Inc. Madison, Wis. 96.09 99.27 571,394 594,672 57,997
177 Adbanc Inc. Ogallala, Neb. 95.59 100.21 453,293 474,210 79,018
178 Montgomery Bancorp. Inc. Sikeston, Mo. 95.57 98.75 714,134 747,267 47,598
179 First National Bankers Bankshares Inc. Baton Rouge, La. 95.48 100.98 336,664 352,584 144,040
180 Guaranty Federal Bancshares Inc. Springfield, Mo. 95.34 101.70 477,116 500,459 50,869
181 ServisFirst Bancshares Inc. Birmingham, Ala. 95.12 86.22 2,389,008 2,511,588 233,257
182 Dimeco Inc. Honesdale, Pa. 95.07 92.35 475,894 500,585 59,937
  Independent Alliance Banks Inc. Grabill, Ind. 95.07 87.31 658,092 692,212 105,902
184 Union First Market Bankshares Corp. Bowling Green, Va. 95.01 91.10 3,134,545 3,299,130 435,863
185 SBT Bancshares Inc. Dallas 94.84 91.71 348,635 367,584 82,347
186 Bank of Commerce Holdings Redding, Calif. 94.77 97.28 664,363 701,052 110,321
187 Northfield MHC Northfield, Vt. 94.61 87.11 490,698 518,668 92,609
188 Hampden Bancorp Inc. Springfield, Mass. 94.58 94.65 435,379 460,312 86,497
189 TF Financial Corp. Newtown, Pa. 94.54 NA 534,348 565,219 82,945
190 JJR Holding Co. Inc. Brick, N.J. 94.43 97.31 443,442 469,592 64,923
191 BTC Financial Corp. Des Moines, Iowa 94.39 100.39 2,293,319 2,429,665 196,023
192 North State Bancorp Raleigh, N.C. 94.38 95.70 605,599 641,684 40,723
193 SunTrust Banks Inc. Atlanta 94.37 97.59 124,913,054 132,359,460 20,984,564
194 Park National Corp. Newark, Ohio 94.36 93.76 4,449,950 4,716,032 650,366
195 Post Oak Bancshares Inc. Houston 94.24 NA 523,067 555,065 86,022
196 Marquette Financial Cos. Minneapolis 94.12 75.23 702,127 745,964 116,996
197 Lake Michigan Financial Corp. Holland, Mich. 94.06 95.19 790,152 840,071 75,529
198 Community Partners Bancorp Middletown, N.J. 94.01 95.53 571,447 607,855 91,965
199 Farmers & Merchants Investment Inc. Lincoln, Neb. 93.98 92.61 2,048,201 2,179,289 298,046
200 Eagle Bancorp Inc. Bethesda, Md. 93.88 93.35 2,720,018 2,897,222 350,709


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

Source:

Financial Information Systems LLC

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