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Highest Loan/Deposit Ratios Among Bank Holding Companies

October 22, 2013, 5:43 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 March 31, 2013. Dollars in thousands
Published October 22, 2013
Rank   Loans as a % of deposits Loans* Deposits Equity capital
March 31 Year earlier
1 John Deere Capital Corp. Reno, Nev. 16,308.11 NA $26,315,415 $161,364 $3,106,629
2 General Electric Capital Corp. Norwalk, Conn. 546.26 NA 270,790,730 49,571,616 84,468,679
3 Educational Services of America Inc. Knoxville, Tenn. 459.33 1,036.09 1,839,028 400,369 253,810
4 Utrecht-America Holdings Inc. New York 267.65 323.42 26,810,331 10,016,811 1,908,773
5 American Express Co. New York 232.39 233.84 106,216,000 45,705,000 19,333,000
6 Ally Financial Inc. Detroit 232.38 280.84 115,016,000 49,494,000 20,475,000
7 CIT Group Inc. New York 209.04 320.73 22,371,645 10,701,891 8,502,044
8 Oritani Financial Corp. Township of Washington, N.J. 162.35 137.77 2,254,229 1,388,459 511,630
9 United National Corp. Sioux Falls, S.D. 153.37 150.98 1,356,352 884,341 1,040,114
10 Pedcor Capital LLC Carmel, Ind. 145.81 123.69 138,926 95,280 48,576
11 Midland Financial Co. Oklahoma City 142.75 124.36 8,198,895 5,743,703 1,191,808
12 Discover Financial Services Riverwoods, Ill. 142.34 138.12 60,383,861 42,421,935 10,298,819
13 Doral Financial Corp. San Juan, Puerto Rico 138.28 139.36 6,614,007 4,782,893 821,831
14 Barclays Delaware Holdings LLC Wilmington 134.61 150.73 13,889,303 10,318,466 4,457,787
15 Lamplighter Financial MHC Wauwatosa, Wis. 132.68 122.15 1,229,105 926,343 207,160
16 Dime Community Bancshares Inc. New York 130.36 136.99 3,546,823 2,720,767 400,500
17 Marlin Business Services Corp. Mount Laurel, N.J. 126.94 174.87 532,985 419,887 177,435
18 Cass Information Systems Inc. Bridgeton, Mo. 126.76 133.81 679,890 536,346 176,386
19 Republic Bancorp Inc. Louisville, Ky. 126.43 117.93 2,619,368 2,071,796 542,735
20 New York Community Bancorp Inc. Westbury 125.53 133.50 31,998,048 25,489,620 5,669,914
21 Deutsche Bank Trust Corp. New York 125.35 153.05 37,696,000 30,072,000 6,877,000
22 Malaga Financial Corp. Palos Verdes Estates, Calif. 125.33 144.04 779,876 622,260 91,363
23 Texas Capital Bancshares Inc. Dallas 122.62 132.73 9,498,142 7,745,837 1,013,402
24 Astoria Financial Corp. Lake Success, N.Y. 121.32 118.43 12,936,695 10,662,975 1,437,492
25 Capitol Federal Financial Inc. Topeka, Kan. 120.68 111.18 5,726,100 4,744,761 1,643,007
26 Raymond James Financial Inc. St. Petersburg, Fla. 120.26 119.09 10,912,984 9,074,352 3,911,883
27 Investors Bancorp MHC Millburn, N.J. 120.14 116.79 10,627,994 8,846,072 1,089,617
28 Customers Bancorp Inc. Wyomissing, Pa. 117.46 82.52 2,978,672 2,535,826 276,910
29 Northern Bankshares Inc. McFarland, Wis. 117.02 115.21 361,052 308,530 24,075
30 Beal Financial Corp. Plano, Texas 116.55 105.34 5,762,435 4,943,968 2,692,670
31 BSB Bancorp MHC Belmont, Mass. 116.25 113.45 717,784 617,448 132,029
32 Brookline Bancorp Inc. Mass. 114.89 113.74 4,174,824 3,633,856 617,250
33 Newburyport Five Centers Bancorp MHC Mass. 114.54 106.05 487,477 425,595 107,589
34 First Connecticut Bancorp Inc. Farmington 113.56 107.82 1,568,721 1,381,428 242,869
35 Hudson City Bancorp Inc. Paramus, N.J. 113.29 114.74 26,240,978 23,163,092 4,711,614
36 ConnectOne Bancorp Inc. Englewood Cliffs, N.J. 112.83 110.36 901,571 799,078 122,439
37 Third Federal Savings & Loan Association MHC Cleveland 112.39 113.03 10,047,213 8,939,952 1,835,344
38 Severn Bancorp Inc. Annapolis, Md. 112.08 106.65 665,632 593,900 109,349
39 Viewpoint Financial Group Inc. Plano, Texas 111.78 101.68 2,501,206 2,237,534 530,967
40 First Foundation Inc. Irvine, Calif. 111.43 126.67 785,760 705,144 75,499
41 Cardinal Financial Corp. McLean, Va. 110.94 116.11 2,317,622 2,089,018 313,620
42 Northern Bancorp Inc. Woburn, Mass. 110.19 106.02 803,906 729,589 82,856
43 Chinatrust Capital Corp. Torrance, Calif. 110.07 95.84 1,066,329 968,771 532,123
44 BOFI Holdings Inc. San Diego 109.61 107.50 2,305,087 2,102,936 260,704
45 Lauritzen Corp. Omaha, Neb. 109.18 111.74 826,379 756,900 665,990
46 Rollstone Bancorp MHC Fitchburg, Mass. 108.99 107.56 353,506 324,344 55,608
47 TCF Financial Corp. Wayzata, Minn. 108.78 118.87 15,633,563 14,371,187 1,900,159
48 Sterling Bancorp Inc. Southfield, Mich. 108.69 97.76 805,049 740,673 92,592
49 Adam Bank Group Inc. College Station, Texas 108.08 104.57 755,726 699,259 164,022
50 Androscoggin Bancorp MHS Lewiston, Maine 108.07 112.65 606,644 561,352 82,442
51 Southern First Bancshares Inc. Greenville, S.C. 107.98 107.03 665,244 616,065 64,427
52 Simplicity Bancorp Inc. Covina, Calif. 107.74 104.80 721,944 670,059 146,356
53 Boston Private Financial Holdings Inc. 107.67 105.23 5,072,647 4,711,170 634,516
54 First Financial Banc Corp. El Dorado, Ark. 107.43 111.28 681,075 633,980 76,124
55 Everbank Financial Corp. Jacksonville, Fla. 107.21 93.29 14,671,893 13,685,250 1,504,442
56 First Texas BHC Inc. Fort Worth 107.12 91.13 925,787 864,282 142,458
57 Mackinac Financial Corp. Manistique, Mich. 106.78 100.56 454,051 425,236 73,039
58 Ambank Co. Inc. Sioux Center, Iowa 106.77 108.61 780,131 730,631 82,117
59 Sword Financial Corp. Horicon, Wis. 106.67 104.55 482,842 452,631 42,135
60 Coastal Affiliates MHC Hyannis, Mass. 106.12 111.50 569,137 536,297 69,637
61 F&M Bank Corp. Timberville, Va. 106.07 106.97 486,872 458,996 50,164
62 Flagstar Bancorp Inc. Troy, Mich. 106.01 122.32 8,520,678 8,037,240 1,184,028
63 FB Bancorp San Antonio 106.00 105.00 549,748 518,629 66,431
64 Naugatuck Valley Financial Corp. Conn. 105.79 111.29 428,793 405,331 66,265
65 Columbia Bank MHC Fair Lawn, N.J. 105.59 113.13 3,294,653 3,120,272 363,736
66 Machias Bancorp MHC Maine 105.40 108.23 853,781 810,053 128,290
67 Peoples Federal Bancshares Inc. Brighton, Mass. 105.39 102.84 453,076 429,884 108,228
68 Independent Holdings Inc. Memphis, Tenn. 105.38 101.34 700,861 665,083 89,707
69 Community West Bancshares Goleta, Calif. 105.15 101.36 456,356 434,019 54,070
70 Luther Burbank Corp. Santa Rosa, Calif. 105.10 105.23 3,311,153 3,150,427 320,719
71 State Bankshares Inc. Fargo, N.D. 104.82 103.76 2,373,477 2,264,308 192,447
72 First National Bancshares Inc. East Lansing, Mich. 104.15 95.62 504,860 484,737 90,255
73 Fidelity Southern Corp. Atlanta 104.13 98.14 2,143,204 2,058,151 199,301
  Mascoma Mutual Financial Services Lebanon, N.H. 104.13 105.79 785,615 754,462 108,560
75 Sterling Financial Corp. Spokane, Wash. 103.75 90.56 6,773,401 6,528,448 1,237,005
76 National Consumer Cooperative Bank Washington, D.C. 103.65 97.17 1,328,105 1,281,342 222,805
77 Hills Bancorp. Iowa 103.64 105.87 1,737,104 1,676,148 256,313
78 Santander Holdings USA Inc. Boston 103.56 103.52 52,424,082 50,620,841 13,471,899
79 MountainOne Financial Partners MHC North Adams, Mass. 103.41 93.28 577,519 558,491 65,310
80 Flushing Financial Corp. N.Y. 103.39 101.87 3,211,103 3,105,884 443,883
81 Norway Bancorp MHC Maine 103.38 104.73 770,550 745,351 117,485
  Pulaski Financial Corp. St. Louis 103.38 101.90 1,135,669 1,098,512 122,901
83 Wilshire Bancorp Inc. Los Angeles 103.32 95.71 2,239,066 2,167,107 353,713
84 Park Bancorp. Inc. Madison, Wis. 103.26 104.99 573,239 555,144 58,555
85 C&F Financial Corp. West Point, Va. 102.79 108.66 716,118 696,671 104,914
86 Chicopee Bancorp Inc. Mass. 102.68 101.56 463,193 451,082 90,653
87 Taylor Capital Group Inc. Rosemont, Ill. 102.57 104.15 3,891,731 3,794,394 573,332
88 VB Texas Inc. Houston 102.53 85.60 497,554 485,265 85,238
89 First PacTrust Bancorp Inc. Chula Vista, Calif. 102.51 98.25 1,741,853 1,699,269 188,299
90 Susquehanna Bancshares Inc. Lititz, Pa. 102.43 99.70 12,999,703 12,691,439 2,639,489
91 CB&T Holding Corp. New Orleans 102.39 102.86 730,909 713,849 73,267
92 Security State Bancshares Inc. Charleston, Mo. 102.36 99.61 523,954 511,882 52,906
93 ServisFirst Bancshares Inc. Birmingham, Ala. 102.25 88.21 2,477,958 2,423,521 257,547
94 People's United Financial Inc. Bridgeport, Conn. 102.10 96.82 22,257,643 21,799,617 4,886,130
95 Bar Harbor Bankshares Maine 102.01 105.44 817,226 801,100 128,052
96 Stearns Financial Services Inc. St. Cloud, Minn. 102.00 100.75 1,254,394 1,229,776 210,461
97 Rockville Financial Inc. Conn. 101.86 109.16 1,580,134 1,551,313 320,992
98 Waupaca Bancorp. Inc. Wis. 101.62 101.59 729,446 717,838 99,137
99 GSB MHC Greenfield, Mass. 101.51 93.36 474,560 467,510 71,974
100 Parke Bancorp Inc. Swell, N.J. 101.49 94.66 632,956 623,678 84,901
101 Washington Trust Bancorp Inc. Westerly, R.I. 101.43 101.23 2,352,944 2,319,667 301,291
102 M&T Bank Corp. Buffalo, N.Y. 101.28 100.01 65,924,267 65,089,726 10,422,957
103 First Financial Northwest Inc. Renton, Wash. 101.17 90.55 661,371 653,734 188,745
104 Clayton Bancorp Inc. Knoxville, Tenn. 101.14 99.88 761,930 753,332 149,165
105 HomeTrust Bancshares Inc. Asheville, N.C. 100.81 NA 1,180,581 1,171,120 372,127
106 Virginia Commerce Bancorp Inc. Arlington 100.59 96.21 2,199,727 2,186,932 253,803
107 Gorham Bancorp MHC Maine 100.58 93.21 662,429 658,626 81,561
108 Independent Bank Group Inc. McKinney, Texas 100.49 95.07 1,421,997 1,415,099 124,141
109 First Horizon National Corp. Memphis, Tenn. 100.47 96.86 16,281,536 16,205,499 2,599,727
110 Fulton Financial Corp. Lancaster, Pa. 100.42 97.46 12,440,333 12,388,460 2,061,763
111 Monarch Financial Holdings Inc. Chesapeake, Va. 100.38 103.69 934,867 931,372 92,346
112 First Western Mortgage Corp. Fort Worth, Texas 100.37 112.26 688,356 685,842 204,432
113 County Bancorp Inc. Manitowoc, Wis. 100.35 103.58 600,094 598,003 82,254
114 BCB Bancorp Inc. Bayonne, N.J. 100.12 85.68 944,948 943,842 92,744
115 Provident Financial Holdings Inc. Riverside, Calif. 99.97 105.25 940,839 941,131 157,469
116 New Hampshire Thrift Bancshares Inc. Newport 99.96 91.92 918,466 918,859 130,288
117 BBCN Bancorp Inc. Los Angeles 99.85 97.13 4,548,987 4,555,673 772,276
118 Lakeside Bancorp Inc. Chicago 99.41 92.98 944,161 949,803 102,076
119 Independent Bank Corp. Rockland, Mass. 99.38 98.62 4,524,114 4,552,172 537,575
120 First Trade Union Bancorp Inc. Boston 99.32 84.34 473,343 476,587 54,254
121 Southern Missouri Bancorp Inc. Poplar Bluff 99.12 92.36 625,315 630,897 100,668
122 Beacon Bancorp Taunton, Mass. 99.07 93.60 1,031,452 1,041,100 208,944
123 Cathay General Bancorp El Monte, Calif. 99.04 93.81 7,354,154 7,425,674 1,549,565
  South Shore Bancorp MHC South Weymouth, Mass. 99.04 103.55 688,731 695,399 104,895
125 Paragon Commercial Corp. Raleigh, N.C. 98.74 89.80 729,876 739,201 76,487
126 Manhattan Banking Corp. Kan. 98.61 106.40 767,353 778,165 80,267
127 Montgomery Bancorp. Inc. Sikeston, Mo. 98.54 97.01 722,399 733,132 48,760
128 Integrity Bancshares Inc. Camp Hill, Pa. 98.50 94.75 575,508 584,293 40,328
129 First BanCorp. San Juan, Puerto Rico 98.42 104.19 9,825,801 9,983,569 1,404,000
130 Metropolitan Bank Holding Corp. New York 98.17 88.43 435,742 443,855 52,760
131 Fox Chase Bancorp Inc. Hatboro, Pa. 97.82 97.47 689,081 704,444 179,419
132 Fremont Bancorp. Calif. 97.81 99.85 2,080,925 2,127,521 188,767
133 BTC Financial Corp. Des Moines, Iowa 97.66 101.62 2,343,407 2,399,599 200,589
134 NASB Financial Inc. Grandview, Mo. 97.64 114.27 802,727 822,161 190,318
135 Citizens Bancshares Inc. Bluffton, Ohio 97.58 98.76 463,934 475,428 59,724
136 Marquette Financial Cos. Minneapolis 97.49 77.30 703,333 721,422 115,223
137 Pinnacle Financial Partners Inc. Nashville, Tenn. 97.43 93.68 3,802,691 3,902,895 691,533
138 USAmericibancorp Inc. Clearwater, Fla. 97.29 92.26 2,118,307 2,177,315 206,298
139 Assabet Valley Bancorp Hudson, Mass. 97.28 89.14 778,976 800,718 93,117
140 Nutmeg Financial MHC Naugatuck, Conn. 97.25 98.56 765,850 787,474 94,409
141 Diamond Bancorp Inc. Washington, Mo. 97.19 109.93 600,493 617,829 53,243
142 Fairfield County Bank MHC Ridgefield, Conn. 97.16 99.17 1,201,647 1,236,776 150,806
143 United Financial Bancorp Inc. West Springfield, Mass. 97.13 90.76 1,843,804 1,898,326 306,355
144 Teche Holding Co. New Iberia, La. 97.08 101.38 644,013 663,364 86,631
145 IMB Holdco LLC Pasadena, Calif. 96.99 95.71 14,658,705 15,113,318 4,218,090
146 First Western Financial Inc. Denver 96.92 93.75 519,232 535,733 71,185
147 United Bankshares Inc. Charleston, W.Va. 96.87 90.20 6,473,803 6,682,705 1,000,249
148 Valley National Bancorp Wayne, N.J. 96.85 101.90 10,946,551 11,302,591 1,507,999
149 Ida Grove Bancshares Inc. Iowa 96.80 98.54 964,230 996,128 120,874
150 Access National Corp. Reston, Va. 96.74 97.25 709,282 733,167 93,973
  Choice Financial Holdings Inc. Grafton, N.D. 96.74 88.32 545,297 563,679 47,726
152 Nicolet Bankshares Inc. Green Bay, Wis. 96.72 95.18 544,733 563,198 78,402
153 Citizens Community Bancorp Inc. Eau Claire, Wis. 96.66 97.91 422,135 436,729 55,072
154 Berkshire Hills Bancorp Inc. Pittsfield, Mass. 96.58 95.40 3,961,419 4,101,683 673,882
155 First Financial Holdings Inc. Charleston, S.C. 96.52 106.22 2,509,894 2,600,520 304,689
156 Cecil Bankshares Corp. Patten, Maine 96.47 100.97 478,999 496,534 58,593
157 F&M Financial Corp. Clarksville, Tenn. 96.36 100.16 642,904 667,209 63,421
158 First Community Holdings Santa Rosa, Calif. 96.24 96.69 496,420 515,796 56,516
159 AFNB Holdings Inc. Houston 96.22 97.75 704,457 732,147 127,261
160 Fifth Third Bancorp Cincinnati 96.14 97.27 88,367,515 91,915,797 13,919,863
161 Embassy Bancorp Inc. Bethlehem, Pa. 96.05 82.95 520,631 542,041 51,234
162 First National Bankers Bankshares Inc. Baton Rouge, La. 96.00 90.20 348,988 363,548 144,611
  Meridian Financial Services Inc. East Boston 96.00 86.73 1,879,929 1,958,240 372,902
164 Dimeco Inc. Honesdale, Pa. 95.99 95.86 470,900 490,582 60,770
165 NRBC Holding Corp. Chicago 95.93 95.11 955,525 996,026 87,383
166 Northwest Bancshares Inc. Warren, Pa. 95.86 94.59 5,617,160 5,859,917 1,147,580
167 TFC Holding Co. Alhambra, Calif. 95.85 91.45 328,059 342,270 58,085
168 Community Partners Bancorp Middletown, N.J. 95.72 95.49 578,916 604,783 93,046
169 Oriental Financial Group Inc. San Juan, Puerto Rico 95.60 76.93 5,310,076 5,554,616 870,241
170 SI Financial Group Inc. Willimantic, Conn. 95.55 88.43 683,172 714,989 125,715
171 North State Bancorp Raleigh, N.C. 95.52 88.65 584,258 611,667 41,310
172 SunTrust Banks Inc. Atlanta 95.45 96.46 124,059,316 129,979,186 21,194,382
173 Eagle Bancorp Inc. Bethesda, Md. 95.30 96.04 2,680,722 2,812,930 361,648
174 Signature Bancorp Inc. Toledo, Ohio 95.04 89.95 480,205 505,248 57,021
175 Synovus Financial Corp. Columbus, Ga. 94.94 90.16 19,521,248 20,561,193 3,578,200
176 Enterprise Bancorp Inc. Lowell, Mass. 94.81 89.07 1,407,681 1,484,668 142,714
177 Goldman Sachs Group Inc. New York 94.46 112.93 68,531,000 72,548,000 77,660,000
178 Hilltop Holdings Inc. Dallas 94.37 NA 4,490,689 4,758,438 1,178,585
179 First Community Bancshares Inc. Batesville, Ark. 94.31 93.53 596,790 632,798 73,052
180 Community Financial Services Inc. Benton, Ky. 94.29 88.01 491,918 521,720 52,355
181 Atlantic Coast Financial Corp. Jacksonville, Fla. 94.27 111.07 474,765 503,608 37,346
182 The Prosperity Banking Co. St. Augustine, Fla. 94.26 87.75 470,585 499,229 16,904
183 PSB Holdings Inc. Wausau, Wis. 94.08 95.14 500,021 531,464 55,706
184 Amarillo National Bancorp Inc. Texas 94.03 90.85 2,653,462 2,821,815 382,980
185 Cape Bancorp Inc. Cape May Court House, N.J. 93.99 95.65 733,367 780,272 151,346
186 HomeStreet Inc. Seattle 93.97 81.05 1,818,244 1,934,851 270,405
187 PNBK Holdings LLC Stamford, Conn. 93.93 85.28 464,424 494,450 57,952
188 JJR Holding Co. Inc. Brick, N.J. 93.65 96.27 441,029 470,937 65,793
  TriState Capital Holdings Inc. Pittsburgh 93.65 90.21 1,692,117 1,806,885 220,152
190 Mercantile Bank Corp. Grand Rapids, Mich. 93.61 96.18 1,022,957 1,092,789 149,692
191 HMN Financial Inc. Rochester, Minn. 93.59 98.58 458,469 489,881 61,053
192 Union First Market Bankshares Corp. Bowling Green, Va. 93.58 90.62 3,100,653 3,313,427 430,773
193 Northfield MHC Northfield, Vt. 93.57 89.27 486,325 519,737 93,460
194 Peoples Bancorp Lynden, Wash. 93.55 85.86 1,040,831 1,112,640 125,644
195 BancIndependent Inc. Sheffield, Ala. 93.53 88.68 861,921 921,499 106,473
196 ESSA Bancorp Inc. Stroudsburg, Pa. 93.46 110.93 947,162 1,013,457 171,757
197 First Palmetto Financial Corp. Camden, S.C. 93.39 100.85 426,899 457,103 64,406
198 Boiling Springs Savings Bank MHC Rutherford, N.J. 93.35 84.64 1,026,781 1,099,979 198,919
199 Popular Inc. Hato Rey, Puerto Rico 93.28 92.15 25,198,000 27,013,000 3,971,000
200 Tri-County Financial Corp. Waldorf, Md. 93.26 90.94 743,269 796,964 80,686


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 March 31, 2013. Figures for thrifts are not available for 2011 due to revised reporting standards.

Source:

Financial Information Systems LLC

© 2013 American Banker

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