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Highest Loan/Deposit Ratios Among Bank Holding Companies

August 09, 2006, 10:08 a.m. EDT 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding Companies*
On March 31, 2006. Dollars in thousands
Published August 9, 2006
Related Table: Highest Rations and Fastest Percentage Growth
Rank   Loans** as % of deposits Loans** Deposits Equity capital
March 31 Yr. Earlier
1 MetLife Inc. New York 1084.26% 1400.26% $49,350,235 $4,551,509 $28,567,007
2 Utrecht-America Holdings Inc. New York 732.49 1448.10 20,717,735 2,828,412 1,076,741
3 Community Financial Services Inc. Atlanta 452.49 335.41 1,141,023 252,164 113,924
4 Countrywide Financial Corp. Calabasas, Calif. 234.12 302.68 106,238,964 45,377,942 13,506,253
5 Taunus Corp. New York 234.06 236.37 29,178,000 12,466,000 4,594,000
6 Doral Financial Corp. San Juan, Puerto Rico 218.65 92.72 9,251,913 4,231,311 1,124,194
7 HSBC North America Holdings Inc. Prospect Heights, Ill. 208.88 199.73 265,113,262 126,921,470 32,953,590
8 United National Corp. Sioux Falls, S.D. 204.73 213.86 847,759 414,085 619,763
9 Cass Information Systems Inc. Bridgeton, Mo. 189.64 174.17 527,045 277,922 78,835
10 Independent Bankers Financial Corp. Irving, Tex. 159.67 155.15 570,986 357,602 76,923
11 Republic Bancorp Inc. Owosso, Mich. 154.72 150.98 4,771,570 3,083,975 406,487
12 ITLA Capital Corp. La Jolla, Calif. 145.69 136.32 2,666,043 1,829,895 203,997
13 New York Community Bancorp Inc. Westbury 144.88 134.18 18,143,743 12,523,566 3,324,626
14 Beverly Hills Bancorp Inc. Calabasas, Calif. 140.72 NA 962,787 684,169 172,729
15 National City Corp. Cleveland 140.07 141.81 114,060,735 81,428,969 12,622,938
16 Popular Inc. Hato Rey, Puerto Rico 134.25 135.43 31,431,000 23,412,000 3,488,000
17 Rainier Pacific Financial Group Inc. Tacoma 131.20 135.85 595,695 454,020 84,485
18 Charles Schwab Corp. San Francisco 130.22 148.18 19,406,188 14,902,764 4,631,547
19 BBVAPR Holding Corp. San Juan, Puerto Rico 127.55 116.04 3,752,074 2,941,747 494,379
20 Irwin Financial Corp. Columbus, Ind. 126.71 120.44 5,162,859 4,074,523 527,693
21 Santander BanCorp San Juan, Puerto Rico 126.15 109.18 6,756,281 5,355,837 562,569
22 Marshall & Ilsley Corp. Milwaukee 125.48 119.04 35,239,951 28,083,616 4,886,584
23 Affinity Bank Holdings Inc. Ventura, Calif. 125.17 137.31 826,497 660,294 51,943
24 Northern Empire Bancshares Santa Rosa, Calif. 125.05 124.10 1,154,498 923,256 111,962
25 Camco Financial Corp. Cambridge, Ohio 124.32 124.26 844,788 679,542 90,231
26 ANB Bancshares Inc. Bentonville, Ark. 124.31 128.38 961,545 773,530 52,050
27 Marquette Financial Cos. Minneapolis 123.59 133.86 1,390,207 1,124,844 397,617
28 Wauwatosa Holdings Inc. Wis. 123.50 NA 1,345,336 1,089,374 234,369
29 Chambers Bancshares Inc. Danville, Ark. 122.92 118.14 735,333 598,205 80,112
30 First Regional Bancorp Century City, Calif. 122.58 113.65 1,807,836 1,474,783 115,207
31 Capital One Financial Corp. McLean, Va. 122.56 146.83 58,579,486 47,797,478 15,169,246
32 Republic Bancorp Inc. Louisville, Ky. 119.67 113.70 2,116,968 1,768,958 222,080
33 KeyCorp Cleveland 118.80 118.13 70,610,455 59,436,992 7,638,077
34 Stearns Financial Services Inc. St. Cloud, Minn. 118.70 113.40 1,372,091 1,155,977 154,784
35 R&G Financial Corp. Hato Rey, Puerto Rico 118.34 120.43 7,146,577 6,038,938 831,730
36 Cascade Financial Corp. Everett, Wash. 117.62 107.71 920,561 782,662 106,921
37 Rockville Financial MHC Inc. Vernon Rockville, Conn. 117.55 102.68 932,031 792,899 83,716
38 Peoples Community Bancorp Inc. West Chester, Ohio 116.81 NA 878,526 752,087 86,590
39 ABN Amro North America Holding Co. Chicago 116.19 112.84 69,710,316 59,998,037 4,875,041
40 U.S. Bancorp Minneapolis 115.68 109.04 140,835,000 121,744,000 20,256,000
41 Summit Financial Group Inc. Moorefield, W.Va. 115.49 119.97 843,940 730,736 75,816
42 First Horizon National Corp. Memphis 115.21 97.35 24,793,391 21,519,512 2,399,608
43 Amboy Bancorp. Old Bridge, N.J. 114.69 110.85 2,086,931 1,819,579 207,698
44 Associated Banc-Corp Green Bay, Wis. 114.47 114.84 15,587,005 13,616,870 2,244,695
45 Pacific Continental Corp. Eugene, Ore. 114.06 111.59 704,085 617,289 86,284
46 Wells Fargo & Co. San Francisco 113.79 121.20 350,826,000 308,305,000 41,961,000
47 Macon Bancorp Franklin, N.C. 113.66 124.98 743,368 654,046 60,957
48 First Mutual Bancshares Inc. Bellevue, Wash. 113.60 119.52 895,380 788,200 62,054
49 RBC Centura Banks Inc. Raleigh 113.56 115.91 12,795,521 11,267,641 3,228,245
50 Orion Bancorp Inc. Naples, Fla. 113.29 103.02 1,687,297 1,489,309 90,257
51 First Olathe Bancshares Inc. Overland Park, Kan. 112.76 109.42 1,150,013 1,019,832 74,008
52 Frontier Financial Corp. Everett, Wash. 112.74 111.09 2,671,696 2,369,719 354,414
53 Horizon Financial Corp. Bellingham, Wash. 112.38 109.85 937,946 834,639 113,323
54 South Plains Financial Inc. Lubbock, Tex. 112.14 99.41 949,235 846,491 74,171
55 FirstBank Corp. Alma, Mich. 111.66 109.53 890,824 797,814 94,571
56 TCF Financial Corp. Wayzata, Minn. 111.22 114.81 10,791,898 9,702,913 968,300
57 Hills Bancorp. Hills, Iowa 110.87 101.95 1,192,375 1,075,491 129,828
58 First National Bank Holding Co. Scottsdale, Ariz. 110.52 114.58 3,187,098 2,883,631 193,156
59 Fremont Bancorp. Fremont, Calif. 110.51 100.15 1,483,272 1,342,185 95,603
60 Dickinson Financial Corp. II Kansas City, Mo. 110.42 104.38 3,184,366 2,883,973 469,263
61 Vineyard National Bancorp Rancho Cucamonga, Calif. 110.02 102.91 1,519,513 1,381,085 97,566
62 Pacific Mercantile Bancorp Costa Mesa, Calif. 108.94 97.94 681,030 625,162 80,167
63 East West Bancorp Inc. Pasadena, Calif. 108.90 113.53 7,652,336 7,027,218 903,523
64 Peoplesbancorp MHC Holyoke, Mass. 108.79 110.07 907,100 833,799 107,169
65 Mercantile Bank Corp. Grand Rapids, Mich. 108.78 106.55 1,612,351 1,482,219 158,914
66 Greene County Bancshares Inc. Greeneville, Tenn. 108.54 103.36 1,406,584 1,295,934 172,317
67 Big Sandy Holding Co. Longmont, Colo. 108.43 104.22 852,929 786,635 56,428
68 State Bankshares Inc. Fargo, N.D. 108.42 105.54 1,332,769 1,229,273 75,021
69 Minnwest Corp. Minnetonka, Minn. 108.25 108.64 1,021,298 943,451 125,406
70 First Charter Corp. Charlotte 107.83 100.30 3,019,682 2,800,348 333,627
71 Huntington Bancshares Inc. Columbus, Ohio 107.57 111.45 26,447,546 24,586,857 3,080,180
72 First Mariner Bancorp Baltimore 107.29 98.97 952,467 887,791 73,020
73 PremierWest Bancorp Medford, Ore. 107.24 101.99 828,400 772,500 106,168
74 Venture Financial Group Lacey, Wash. 107.22 125.78 626,696 584,472 77,772
75 M&T Bank Corp. Buffalo 107.04 107.66 40,858,598 38,171,385 5,919,469
76 Olney Bancshares of Texas Inc. Olney, Tex. 107.00 101.61 836,838 782,078 77,816
77 First Community Bancorp Rancho Santa Fe, Calif. 106.53 98.32 2,824,010 2,650,922 634,245
78 Banner Corp. Walla Walla, Wash. 106.38 108.39 2,570,531 2,416,456 225,685
79 AmericanWest Bancorp. Spokane 106.32 105.92 1,150,394 1,082,022 144,409
80 Stark Bank Group Ltd. Fort Dodge, Iowa 106.21 99.92 917,513 863,870 81,669
81 South Financial Group Inc. Greenville, S.C. 106.16 103.25 9,744,428 9,179,403 1,484,105
82 Webster Financial Corp. Waterbury, Conn. 105.85 109.15 12,791,853 12,084,757 1,640,762
83 First National Lincoln Corp. Damariscotta, Maine 105.41 112.59 791,315 750,714 104,579
84 Harris Financial Corp. Wilmington, Del. 105.27 94.94 27,808,798 26,417,649 4,453,319
85 Capitol Bancorp Ltd. Lansing, Mich. 105.22 107.27 3,091,709 2,938,348 310,419
86 QCR Holdings Inc. Moline, Ill. 105.13 110.95 785,750 747,388 55,459
87 Merchants and Manufacturers Bancorp. New Berlin, Wis. 104.89 102.34 1,170,060 1,115,558 93,423
88 Compass Bancshares Inc. Birmingham, Ala. 104.87 108.47 23,308,114 22,225,289 2,557,940
89 Oak Hill Financial Inc. Jackson, Ohio 104.76 109.01 1,027,288 980,654 94,234
90 SunTrust Banks Inc. Atlanta 104.69 103.89 127,481,907 121,775,742 17,157,448
91 Citizens Financial Group Inc. Providence, R.I. 104.58 93.97 103,933,763 99,382,647 22,325,903
92 Fifth Third Bancorp Cincinnati 104.57 100.61 72,165,567 69,009,872 9,468,613
93 Coppermark Bancshares Inc. Oklahoma City 104.48 101.20 766,700 733,836 58,655
94 Main Street Banks Inc. Atlanta 104.40 100.18 1,805,498 1,729,427 300,488
95 Gold Banc Corp. Inc. Leawood, Kan. 104.39 100.03 3,247,963 3,111,403 267,860
96 Colonial BancGroup Inc. Montgomery, Ala. 104.12 108.28 16,509,425 15,856,727 1,946,936
97 Southwest Bancorp Inc. Stillwater, Okla. 104.12 102.39 1,771,292 1,701,225 176,945
98 Sterling Financial Corp. Spokane 104.10 NA 5,310,299 5,101,171 508,720
99 First Indiana Corp. Indianapolis 104.04 106.02 1,567,656 1,506,760 175,741
100 BTC Financial Corp. Des Moines 104.02 118.61 1,364,657 1,311,927 111,116
101 Republic First Bancorp Inc. Philadelphia 104.01 90.49 701,910 674,876 66,928
102 BancWest Corp. Honolulu 103.79 95.02 43,683,104 42,088,295 6,881,686
103 Salin Bancshares Inc. Indianapolis 103.79 109.78 715,517 689,356 79,162
104 Synovus Financial Corp. Columbus, Ga. 103.62 105.60 22,591,822 21,801,945 3,202,081
105 Bank of Highland Park Financial Corp. Ill. 103.45 99.96 781,640 755,538 64,067
106 Abington MHC Jenkintown, Pa. 103.44 98.25 531,498 513,838 64,353
107 Florida Community Banks Inc. Immokalee 103.38 103.69 868,191 839,805 74,829
108 Macatawa Bank Corp. Holland, Mich. 103.16 104.93 1,591,742 1,542,972 145,153
109 S&T Bancorp Inc. Indiana, Pa. 103.15 106.87 2,548,817 2,470,949 349,896
110 Gateway Financial Holdings Inc. Elizabeth City, N.C. 103.10 102.45 783,614 760,079 102,456
111 International Bancorp of Miami Coral Gables, Fla. 102.96 101.87 540,436 524,920 93,324
112 Trinity Capital Corp. Los Alamos, N.M. 102.64 97.92 1,065,850 1,038,447 78,332
113 Citigroup Inc. New York 102.56 101.54 644,268,000 628,157,000 114,418,000
114 Enterprise Financial Services Corp. St. Louis 102.55 104.29 1,068,241 1,041,630 95,506
115 CNLBancshares Inc. Orlando 102.49 100.96 681,739 665,200 96,088
116 North Fork Bancorp. Inc. Melville, N.Y. 102.20 102.12 38,393,119 37,565,421 8,945,705
117 First Merchants Corp. Muncie, Ind. 102.07 98.57 2,496,658 2,446,072 316,738
118 Community Bancorp Inc. Escondido, Calif. 101.96 100.98 732,663 718,562 100,385
119 SCBT Financial Corp. Columbia, S.C. 101.91 97.35 1,625,911 1,595,440 151,764
120 Great Southern Bancorp Inc. Springfield, Mo. 101.67 100.18 1,633,528 1,606,747 157,955
121 Cascade Bancorp Bend, Ore. 101.48 99.62 1,132,370 1,115,900 110,410
122 Citizens Banking Corp. Flint, Mich. 101.46 103.31 5,605,390 5,524,611 651,544
123 Community Bancorp Las Vegas 101.42 76.16 758,123 747,540 110,301
124 Fidelity Southern Corp. Atlanta 101.38 101.51 1,170,792 1,154,882 87,032
125 Sky Financial Group Inc. Bowling Green, Ohio 101.04 102.33 11,117,313 11,002,998 1,566,571
126 BB&T Corp. Winston-Salem, N.C. 100.95 103.82 76,279,282 75,564,129 10,969,972
127 Yardville National Bancorp Hamilton, N.J. 100.88 99.25 1,990,285 1,973,019 178,396
128 Independent Alliance Banks Inc. Fort Wayne, Ind. 100.88 107.09 636,457 630,891 72,729
129 Premier Bancshares Inc. Jefferson City, Mo. 100.81 109.53 701,020 695,408 53,373
130 Camden National Corp. Maine 100.68 105.38 1,212,498 1,204,266 131,493
131 Hillcrest Bancshares Inc. Overland Park, Kan. 100.61 113.04 1,101,919 1,095,291 104,391
132 Community Bankshares Inc. Greenwood Village, Colo. 100.41 102.55 1,073,600 1,069,165 100,587
133 Comerica Inc. Detroit 100.40 96.99 44,862,945 44,682,247 5,094,243
134 Star Financial Group Inc. Fort Wayne, Ind. 100.29 96.09 1,104,561 1,101,385 117,622
135 Leesport Financial Corp. Wyomissing, Pa. 100.19 98.09 686,039 684,765 96,142
136 Western Sierra Bancorp Cameron Park, Calif. 100.17 93.99 1,030,750 1,028,978 134,931
137 Bancorp Rhode Island Inc. Providence 100.09 100.58 957,408 956,508 104,352
138 Integrity Bancshares Inc. Alpharetta, Ga. 100.06 97.19 771,123 770,673 69,268
139 First United Corp. Oakland, Md. 100.04 100.92 955,585 955,176 93,387
140 Virginia Commerce Bancorp Inc. Arlington 99.96 100.08 1,391,488 1,391,984 118,911
141 ATBancorp Dubuque, Iowa 99.88 99.05 644,136 644,887 56,905
142 United Bankshares Inc. Charleston, W.Va. 99.83 101.04 4,695,102 4,703,287 638,607
143 GBank and Trust Bancshares Inc. Gainesville, Ga. 99.79 100.18 1,273,719 1,276,456 201,769
144 Porter Bancorp Inc. Louisville, Ky. 99.72 101.38 807,736 809,964 84,982
145 Fulton Financial Corp. Lancaster, Pa. 99.67 99.11 9,921,461 9,953,846 1,448,339
146 AmSouth Bancorp. Birmingham, Ala. 99.63 94.71 37,019,896 37,155,809 3,617,742
147 Regions Financial Corp. Birmingham, Ala. 99.58 100.92 60,274,914 60,529,138 10,656,785
148 First Bancorp Troy, N.C. 99.37 96.46 1,555,838 1,565,752 158,971
149 Cathay General Bancorp Inc. Los Angeles 99.34 85.53 4,991,487 5,024,464 793,343
150 Central Pacific Financial Corp. Honolulu 99.34 96.62 3,654,840 3,679,200 686,536

* Among 500 largest companies that file Y-9C reports with the Federal Reserve. **Includes leases

Source: SNL Financial, Charlottesville, Va. (www.snl.com)

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Banks, thrifts and holding companies