Highest Loan/Deposit Ratios Among Bank Holding Companies

November 02, 2006, 10:08 a.m. EST 1 Min Read

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Highest Loan/Deposit Ratios Among Bank Holding Companies*
On June 30, 2006. Dollars in thousands Published November 2, 2006
Related Table: Highest Ratios and Fastest Percentage Growth
		Loans as % of deposits**
		June 30	Year earlier	Loans**	Deposits	Equity capital
1	MetLife Inc. New York	1093.24%	1240.66%	$50,854,423	$4,651,727	$27,681,178
2	Utrecht-America Holdings Inc. New York	788.79	1,549.43	21,374,570	2,709,800	1,105,137
3	Community Financial Services Inc. Atlanta	510.79	486.64	1,213,634	237,600	115,788
4	United National Corp. Sioux Falls, S.D.	230.96	231.74	923,097	399,678	634,367
5	Countrywide Financial Corp. Calabasas, Calif.	228.09	302.94	115,303,152	50,552,049	14,296,957
6	Taunus Corp. New York	219.56	264.39	33,152,000	15,099,000	4,934,000
7	HSBC North America Holdings Inc. Prospect Heights, Ill.	201.39	203.16	277,994,491	138,037,363	33,692,470
8	Independent Bankers Financial Corp. Irving, Tex.	182.57	173.35	588,850	322,526	79,464
9	Republic Bancorp Inc. Owosso, Mich.	159.59	154.09	4,885,615	3,061,447	407,184
10	R and G Financial Corp. Hato Rey, Puerto Rico	147.48	124.98	8,999,984	6,102,503	546,604
11	ITLA Capital Corp. La Jolla, Calif.	146.93	138.52	2,686,961	1,828,731	208,923
12	New York Community Bancorp Inc. Westbury	140.68	133.66	19,447,767	13,823,869	3,697,170
13	Popular Inc. Hato Rey, Puerto Rico	137.39	126.63	32,217,000	23,450,000	3,463,000
14	National City Corp. Cleveland	136.9	142.15	113,948,894	83,235,947	12,609,764
15	Beverly Hills Bancorp Inc. Calabasas, Calif.	134.88	NA	949,015	703,623	171,355
16	Rainier Pacific Financial Group Inc. Tacoma	133.54	136.13	608,414	455,613	85,266
17	Doral Financial Corp. San Juan, Puerto Rico	132.07	92.96	5,568,519	4,216,479	1,030,661
18	Santander BanCorp San Juan, Puerto Rico	130.74	105.68	6,500,060	4,971,822	556,277
19	ANB Bancshares Inc. Rogers, Ark.	130.6	133.35	1,075,013	823,110	60,751
20	Irwin Financial Corp. Columbus, Ind.	130.5	133.17	5,048,341	3,868,313	529,581
21	Northern Empire Bancshares Santa Rosa, Calif.	130.03	120.87	1,184,795	911,159	116,826
22	Capital One Financial Corp. McLean, Va.	129.29	146.72	61,017,331	47,193,120	15,897,063
23	Franklin Resources Inc. San Mateo, Calif.	128.82	83.66	628,437	487,857	6,306,329
24	City Bancorp Springfield, Mo.	127.76	122.52	741,269	580,209	70,709
25	Affinity Bank Holdings Inc. Ventura, Calif.	127.28	132.05	824,378	647,696	52,090
26	Charles Schwab Corp. San Francisco	126.89	146.53	19,893,445	15,678,159	4,601,744
27	Wauwatosa Holdings Inc. Wis.	126.5	NA	1,373,678	1,085,948	235,538
28	Republic Bancorp Inc. Louisville, Ky.	126.44	123.45	2,197,644	1,738,154	225,614
29	BBVAPR Holding Corp. San Juan, Puerto Rico	124.5	125.55	3,900,297	3,132,820	495,255
30	Camco Financial Corp. Cambridge, Ohio	123.88	125.85	849,483	685,731	90,103
31	Marshall & Ilsley Corp. Milwaukee	122.79	123.33	40,442,881	32,935,842	5,757,526
32	Chambers Bancshares Inc. Danville, Ark.	122.58	114.52	762,246	621,817	81,143
33	Orion Bancorp Inc. Naples, Fla.	121.81	106.32	1,841,089	1,511,496	95,387
34	First Mutual Bancshares Inc. Bellevue, Wash.	121.78	118.07	929,238	763,076	63,701
35	First National Bank Holding Co. Scottsdale, Ariz.	120.34	112.62	3,449,072	2,866,045	208,309
36	Pacific Continental Corp. Eugene, Ore.	117.73	108.29	727,025	617,535	89,128
37	KeyCorp Cleveland	117.43	116.64	71,596,848	60,970,990	7,737,008
38	U.S. Bancorp Minneapolis	117.32	110.96	143,971,000	122,719,000	20,415,000
39	CNLBancshares Inc. Orlando	117.15	102.13	779,791	665,609	137,165
40	Stearns Financial Services Inc. St. Cloud, Minn.	116.8	115.62	1,418,804	1,214,776	151,236
41	Hills Bancorp. Hills, Iowa	116.2	107.58	1,246,617	1,072,860	132,831
42	Summit Financial Group Inc. Moorefield, W.Va.	115.95	120.77	882,999	761,562	76,559
43	Cooperative Bankshares Inc. Wilmington, N.C.	115.73	111.84	733,935	634,185	53,453
44	BTC Financial Corp. Des Moines	115.71	122.9	1,457,756	1,259,793	110,584
45	First Regional Bancorp Century City, Calif.	115.5	111.15	1,781,245	1,542,222	125,746
46	First Horizon National Corp. Memphis	114.96	111.85	24,942,314	21,695,788	2,442,193
47	Republic First Bancorp Inc. Philadelphia	114.86	104.41	740,577	644,765	69,369
48	ABN Amro North America Holding Co. Chicago	114.68	120.23	72,848,009	63,520,410	5,079,519
49	Macon Bancorp Franklin, N.C.	114.38	120.27	773,303	676,091	63,242
50	TCF Financial Corp. Wayzata, Minn.	114.36	116.8	11,154,185	9,753,371	977,385
51	RBC Centura Banks Inc. Raleigh	114.15	122.44	13,054,840	11,437,016	3,244,325
52	Frontier Financial Corp. Everett, Wash.	113.65	111.5	2,754,031	2,423,360	368,146
53	Peoples Community Bancorp Inc. West Chester, Ohio	113.32	120.92	899,548	793,802	94,658
54	Associated Banc-Corp Green Bay, Wis.	113.29	117.09	15,459,646	13,646,408	2,274,860
55	Rockville Financial Inc. Vernon Rockville, Conn.	113.24	109.67	964,223	851,512	84,922
56	Horizon Financial Corp. Bellingham, Wash.	112.9	111.23	1,005,603	890,733	114,401
57	Fremont Bancorp. Calif.	112.68	116.28	1,452,994	1,289,534	96,392
58	FirstBank Corp. Alma, Mich.	112.6	110.28	912,387	810,292	95,539
59	Cascade Financial Corp. Everett, Wash.	112.26	108.34	954,077	849,844	108,522
60	AmericanWest Bancorp. Spokane	112.12	116.28	1,194,757	1,065,625	148,695
61	Amboy Bancorp. Old Bridge, N.J.	112.08	109.92	2,109,261	1,881,935	214,049
62	North Fork Bancorp. Inc. Melville, N.Y.	111.72	104.07	40,957,900	36,662,398	9,062,577
63	State Bankshares Inc. Fargo, N.D.	111.72	113.17	1,416,481	1,267,838	77,634
64	Dickinson Financial Corp. II Kansas City, Mo.	111.39	111.72	3,366,850	3,022,642	487,502
65	Greene County Bancshares Inc. Greeneville, Tenn.	111.25	100.58	1,439,989	1,294,355	176,889
66	Pacific Mercantile Bancorp Costa Mesa, Calif.	111.09	104.35	713,954	642,655	80,909
67	PremierWest Bancorp Medford, Ore.	111.07	104.2	869,360	782,686	110,006
68	First Mariner Bancorp Baltimore	111.03	108.42	980,153	882,768	74,771
69	East West Bancorp Inc. Pasadena, Calif.	110.33	110.18	7,869,385	7,132,783	937,742
70	Banner Corp. Walla Walla, Wash.	109.48	106.42	2,824,033	2,579,457	232,502
71	Hillcrest Bancshares Inc. Overland Park, Kan.	109.12	108.36	1,207,695	1,106,727	110,478
72	Minnwest Corp. Minnetonka, Minn.	108.78	110.34	1,076,496	989,606	129,266
73	Huntington Bancshares Inc. Columbus, Ohio	108.16	111.65	26,649,585	24,637,913	2,939,156
74	Boston Private Financial Holdings Inc.	108.08	96.75	3,959,036	3,663,064	600,347
75	M&T Bank Corp. Buffalo	108.01	106.98	41,599,461	38,513,683	6,000,224
76	Mercantile Bank Corp. Grand Rapids, Mich.	107.92	107.76	1,670,471	1,547,912	161,659
77	QCR Holdings Inc. Moline, Ill.	107.83	113.19	867,084	804,103	56,175
78	First Community Bancorp Rancho Santa Fe, Calif.	107.82	98.84	3,435,823	3,186,611	875,330
79	Pacific Capital Bancorp Santa Barbara, Calif.	107.78	92.13	5,218,697	4,842,139	586,976
80	Cascade Bancorp Bend, Ore.	107.76	99.84	1,767,955	1,640,627	242,478
81	Capitol Bancorp Ltd. Lansing, Mich.	107.59	105.75	3,214,236	2,987,606	318,308
82	Olney Bancshares of Texas Inc.	107.36	105.28	819,617	763,424	77,662
83	Abington MHC Jenkintown, Pa.	106.94	102.05	581,772	544,009	61,876
84	South Plains Financial Inc. Lubbock, Tex.	106.92	100.38	1,042,455	975,006	75,664
85	Community Bancorp Inc. Escondido, Calif.	106.58	101.66	745,386	699,371	103,222
86	First Olathe Bancshares Inc. Overland Park, Kan.	106.29	112.31	1,121,734	1,055,399	76,208
87	Webster Financial Corp. Waterbury, Conn.	106.28	104	12,984,765	12,217,794	1,644,954
88	Big Sandy Holding Co. Longmont, Colo.	106.01	99.56	927,491	874,907	60,525
89	Peoplesbancorp MHC Holyoke, Mass.	105.85	111.62	952,962	900,276	107,212
90	Trinity Capital Corp. Los Alamos, N.M.	105.84	103.75	1,105,040	1,044,085	79,023
91	Oak Hill Financial Inc. Jackson, Ohio	105.7	105.2	1,033,814	978,038	90,246
92	Compass Bancshares Inc. Birmingham, Ala.	105.52	109.64	24,232,115	22,963,762	2,605,512
93	Harris Financial Corp. Wilmington	105.48	100.17	28,795,996	27,299,015	4,539,151
94	Stark Bank Group Ltd. Fort Dodge, Iowa	105.46	103.09	1,052,479	998,003	102,375
95	Colonial BancGroup Inc. Montgomery, Ala.	105.36	108.15	17,418,948	16,532,073	1,962,015
96	Macatawa Bank Corp. Holland, Mich.	105.2	110.09	1,655,381	1,573,628	147,899
97	Merchants & Manufacturers Bancorp. New Berlin, Wis.	105.13	103.59	1,202,693	1,143,995	92,435
98	First Indiana Corp. Indianapolis	105.09	105.36	1,660,680	1,580,272	174,160
99	S&T Bancorp Inc. Indiana, Pa.	105.06	108.21	2,624,441	2,497,948	337,598
100	Florida Community Banks Inc. Immokalee	105.01	103.11	900,740	857,756	78,660
101	SunTrust Banks Inc. Atlanta	104.97	107	131,063,112	124,852,437	17,423,920
102	First National Lincoln Corp. Damariscotta, Maine	104.95	106.92	825,939	786,961	105,630
103	Citigroup Inc. New York	104.55	102.61	675,181,000	645,805,000	115,428,000
104	Wells Fargo & Co. San Francisco	104.43	121.49	340,930,000	326,452,000	41,894,000
105	Comerica Inc. Detroit	104.34	97.47	46,540,519	44,604,277	5,189,345
106	Independent Alliance Banks Inc. Fort Wayne, Ind.	104.31	98.83	646,534	619,794	73,142
107	Salin Bancshares Inc. Indianapolis	104.14	113.34	698,510	670,731	75,075
108	Fifth Third Bancorp Cincinnati	104.04	106.18	73,507,653	70,652,481	9,555,789
109	Sterling Financial Corp. Spokane	103.91	NA	5,560,821	5,351,437	514,141
110	First Bancorp Inc. Lebanon, Va.	103.82	101.82	722,239	695,639	57,010
111	Silver State Bancorp Henderson, Nev.	103.72	98.21	794,549	766,088	88,681
112	Synovus Financial Corp. Columbus, Ga.	103.38	102.63	23,832,614	23,053,699	3,373,458
113	Enterprise Financial Services Corp St. Louis	103.37	96.7	1,111,934	1,075,714	99,196
114	Virginia Commerce Bancorp Inc. Arlington	103.36	92.67	1,476,350	1,428,393	125,073
115	CoBiz Inc. Denver	103.3	94.28	1,455,285	1,408,854	145,149
116	SCBT Financial Corp. Columbia, S.C.	103.24	101.39	1,675,776	1,623,238	154,518
117	Total Bancshares Corp. Miami	103.18	94.86	837,920	812,096	69,204
118	First Charter Corp. Charlotte	103.07	104.18	3,080,670	2,988,803	336,935
119	South Financial Group Inc. Greenville, S.C.	102.97	101.58	9,518,206	9,244,045	1,484,989
120	First Bancorp Troy, N.C.	102.96	97.06	1,639,129	1,592,028	159,915
121	S.Y. Bancorp Inc. Louisville	102.63	102.19	1,090,502	1,062,519	129,810
122	BancPlus Corp. Belzoni, Miss.	102.58	99.07	1,299,118	1,266,391	137,410
123	Fishback Financial Corp. Brookings, S.D.	102.57	96.95	963,794	939,605	98,286
124	Cathay General Bancorp Los Angeles	102.56	86.38	5,388,551	5,253,910	861,917
125	Leesport Financial Corp. Wyomissing, Pa.	102.49	102.31	710,349	693,061	95,394
126	First Merchants Corp. Muncie, Ind.	102.42	101.58	2,596,778	2,535,400	313,004
127	BB&T Corp. Winston-Salem, N.C.	102.26	99.88	80,283,633	78,512,801	11,164,113
128	Bank of Highland Park Financial Corp. Ill.	102.11	100.16	813,077	796,253	65,587
129	Marquette Financial Cos. Minneapolis	102	138.18	1,437,314	1,409,100	406,909
130	Gateway Financial Holdings Inc. Elizabeth City, N.C.	101.9	101.35	852,381	836,528	102,239
131	BancWest Corp. Honolulu	101.84	98.3	44,407,910	43,603,465	7,008,320
132	Premier Bancshares Inc. Jefferson City, Mo.	101.84	108.81	787,477	773,216	55,223
133	Cardinal Financial Corp. McLean, Va.	101.82	107.57	1,156,103	1,135,492	149,579
134	Coppermark Bancshares Inc. Oklahoma City	101.82	102.98	770,387	756,651	61,867
135	Heritage Financial Corp. Olympia, Wash.	101.74	101.37	722,585	710,198	75,331
136	Spirit Bankcorp Inc. Bristow, Okla.	101.73	111.29	743,166	730,522	51,031
137	Fulton Financial Corp. Lancaster, Pa.	101.72	99.5	10,320,923	10,146,652	1,440,188
138	Vineyard National Bancorp Corona, Calif.	101.69	120.42	1,551,313	1,525,556	128,897
139	Bank of America Corp. Charlotte	101.41	84.9	686,627,715	677,059,440	127,841,462
140	ATBancorp Dubuque, Iowa	101.41	97.28	668,236	658,931	57,208
141	Central Pacific Financial Corp. Honolulu	101.36	92.05	3,714,050	3,664,160	698,818
142	Sky Financial Group Inc. Bowling Green, Ohio	101.34	102.14	11,240,330	11,091,721	1,574,513
143	HNB Corp. Arkansas City, Kan.	101.32	93.1	657,304	648,725	70,824
144	Community Bancorp Las Vegas	101.25	92.95	803,328	793,433	114,172
145	Bremer Financial Corp. St. Paul	101.22	108.05	4,803,490	4,745,397	557,567
146	Montgomery Bancorp. Inc. Sikeston, Mo.	101.22	97.69	654,961	647,096	42,601
147	United Bankshares Inc. Charleston, W.Va.	101.21	100.26	4,812,892	4,755,489	635,027
148	Citizens Banking Corp. Flint, Mich.	101.07	106.78	5,746,218	5,685,234	649,871
149	W.T.B. Financial Corp. Spokane	101.04	97.41	2,567,037	2,540,540	275,611
150	AmSouth Bancorp. Birmingham, Ala.	101.01	95.82	37,831,731	37,453,764	3,579,061

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

SNL Financial