Highest Loan/Deposit Ratios Among Bank Holding Companies
February 14, 2007, 10:08 a.m. EST 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies
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Published February 14, 2007 | ||||||
Related Table: Select Ratios and Fastest Percentage Growth | ||||||
Loans** as % of deposits | ||||||
Sept. 30 | Yr. earlier | Loans** | Deposits | | ||
1 | MetLife Inc. New York | 1143.70% | 1218.40% | $52,458,845 | $4,586,719 | $31,609,606 |
2 | Utrecht-America Holdings Inc. New York | 798.1 | 1379.8 | 21,795,475 | 2,730,912 | 988,317 |
3 | Community Financial Services Inc. Atlanta | 506.9 | 400.1 | 1,223,149 | 241,315 | 122,387 |
4 | Taunus Corp. New York | 240.3 | 216.2 | 37,341,000 | 15,539,000 | 5,126,000 |
5 | United National Corp. Sioux Falls, S.D. | 229.7 | 252.6 | 966,385 | 420,659 | 683,952 |
6 | HSBC North America Holdings Inc. Prospect Heights, Ill. | 205.1 | 206.8 | 279,660,027 | 136,355,240 | 33,750,854 |
7 | Independent Bankers Financial Corp. Irving, Tex. | 198.1 | 165 | 614,490 | 310,223 | 84,426 |
8 | Countrywide Financial Corp. Calabasas, Calif. | 196.4 | 272.6 | 109,803,736 | 55,895,651 | 15,099,148 |
9 | Cass Information Systems Inc. Bridgeton, Mo. | 189.2 | 189.3 | 520,748 | 275,188 | 83,973 |
10 | Republic Bancorp Inc. Owosso, Mich. | 157.3 | 145.5 | 4,773,889 | 3,034,819 | 426,979 |
11 | R and G Financial Corp. Hato Rey, Puerto Rico | 148.4 | 124 | 9,347,866 | 6,298,213 | 575,152 |
12 | New York Community Bancorp Inc. Westbury | 141.6 | 139.5 | 19,756,369 | 13,955,735 | 3,712,010 |
13 | ITLA Capital Corp. La Jolla, Calif. | 141.1 | 136.9 | 2,777,001 | 1,968,065 | 215,609 |
14 | Irwin Financial Corp. Columbus, Ind. | 138.9 | 135.2 | 5,264,224 | 3,790,194 | 523,055 |
15 | Popular Inc. Hato Rey, Puerto Rico | 137.3 | 135.3 | 31,757,000 | 23,138,000 | 3,636,000 |
16 | ANB Bancshares Inc. Rogers, Ark. | 136.3 | 128.7 | 1,227,493 | 900,827 | 68,849 |
17 | National City Corp. Cleveland | 135.9 | 144.6 | 112,480,053 | 82,793,497 | 12,901,823 |
18 | Rainier Pacific Financial Group Inc. Tacoma | 134.6 | 135 | 628,707 | 467,100 | 86,745 |
19 | Capital One Financial Corp. McLean, Va. | 132.4 | 145.4 | 64,112,046 | 48,407,814 | 16,676,977 |
20 | Republic Bancorp Inc. Louisville, Ky. | 131.8 | 117.7 | 2,213,775 | 1,679,608 | 232,978 |
21 | Franklin Resources Inc. San Mateo, Calif. | 131.2 | 114.7 | 733,784 | 559,450 | 6,684,728 |
22 | Doral Financial Corp. San Juan, Puerto Rico | 129.3 | 94.6 | 5,661,463 | 4,377,266 | 1,026,616 |
23 | Northern Empire Bancshares Santa Rosa, Calif. | 127.1 | 118.2 | 1,223,004 | 962,121 | 121,505 |
24 | First National Bank Holding Co. Scottsdale, Ariz. | 126.6 | 109.5 | 3,746,299 | 2,958,730 | 220,016 |
25 | Santander BanCorp San Juan, Puerto Rico | 125.5 | 105.8 | 6,689,005 | 5,331,799 | 576,016 |
26 | Wauwatosa Holdings Inc. (MHC) Wis. | 124.9 | NA | 1,357,644 | 1,086,895 | 238,855 |
27 | BBVAPR Holding Corp. San Juan, Puerto Rico | 124.8 | 124 | 3,887,601 | 3,116,355 | 514,303 |
28 | Marshall & Ilsley Corp. Milwaukee | 123.3 | 122.7 | 41,268,119 | 33,460,371 | 5,956,058 |
29 | Affinity Bank Holdings Inc. Ventura, Calif. | 122.4 | 128.3 | 788,601 | 644,394 | 52,447 |
30 | Camco Financial Corp. Cambridge, Ohio | 122.2 | 127.2 | 842,615 | 689,562 | 90,696 |
31 | U.S. Bancorp Minneapolis | 121.6 | 114.5 | 147,057,000 | 120,961,000 | 20,926,000 |
32 | Marquette Financial Cos. Minneapolis | 121.5 | 141.3 | 1,897,088 | 1,561,028 | 420,653 |
33 | Ida Grove Bancshares Inc. Iowa | 119.8 | 122.8 | 759,655 | 633,904 | 61,355 |
Orion Bancorp Inc. Naples, Fla. | 119.8 | 113.7 | 1,942,817 | 1,621,296 | 104,193 | |
Greene County Bancshares Inc. Greeneville, Tenn. | 119.8 | 106.9 | 1,496,073 | 1,249,321 | 181,659 | |
36 | First Mutual Bancshares Inc. Bellevue, Wash. | 119.3 | 119.2 | 929,848 | 779,368 | 67,547 |
Rockville Financial MHC Inc. Vernon Rockville, Conn. | 119.3 | 114.1 | 1,029,081 | 862,891 | 86,347 | |
38 | East West Bancorp Inc. Pasadena, Calif. | 118.8 | 107.9 | 8,443,361 | 7,105,711 | 981,370 |
39 | Hills Bancorp. Hills, Iowa | 118.2 | 107.7 | 1,271,157 | 1,075,660 | 138,669 |
40 | Chambers Bancshares Inc. Danville, Ark. | 118 | 112.1 | 744,945 | 631,501 | 83,895 |
41 | KeyCorp Cleveland | 117.9 | 118.7 | 72,701,142 | 61,659,906 | 7,947,131 |
42 | CNLBancshares Inc. Orlando | 117.7 | 92.3 | 819,944 | 696,732 | 152,366 |
43 | Cascade Financial Corp. Everett, Wash. | 117.5 | 109.3 | 988,418 | 841,124 | 112,487 |
44 | ABN AMRO North America Holding Co. Chicago | 117.2 | 121.4 | 74,256,491 | 63,366,973 | 5,644,762 |
45 | First Community Bancorp San Diego | 116.9 | 95.5 | 3,543,784 | 3,031,965 | 894,477 |
First Regional Bancorp Century City, Calif. | 116.9 | 112.3 | 1,841,785 | 1,575,808 | 136,494 | |
47 | South Plains Financial Inc. Lubbock, Tex. | 116.4 | 110.9 | 1,150,981 | 988,500 | 77,089 |
48 | TCF Financial Corp. Wayzata, Minn. | 115.5 | 113.5 | 11,295,748 | 9,781,370 | 1,031,189 |
49 | Peoples Community Bancorp Inc. West Chester, Ohio | 115.1 | 117.2 | 870,041 | 755,718 | 90,532 |
50 | Frontier Financial Corp. Everett, Wash. | 115 | 114.2 | 2,829,021 | 2,460,703 | 382,816 |
51 | Cascade Bancorp Bend, Ore. | 114.8 | 88.6 | 1,872,134 | 1,630,901 | 252,408 |
52 | Beverly Hills Bancorp Inc. Calabasas, Calif. | 114.7 | 164.5 | 942,153 | 821,604 | 151,213 |
53 | Horizon Financial Corp. Bellingham, Wash. | 114.4 | 110.4 | 1,054,024 | 921,767 | 117,850 |
54 | BTC Financial Corp. Des Moines | 114.2 | 110.8 | 1,482,661 | 1,298,468 | 120,331 |
55 | Stearns Financial Services Inc. St. Cloud, Minn. | 114.1 | 115.7 | 1,430,610 | 1,254,283 | 160,775 |
56 | Macon Bancorp Franklin, N.C. | 112.8 | 115.7 | 802,434 | 711,498 | 66,867 |
57 | North Fork Bancorp. Inc. Melville, N.Y. | 112.5 | 101.8 | 40,931,572 | 36,391,215 | 9,258,107 |
58 | FirstBank Corp. Alma, Mich. | 111.5 | 111.4 | 913,681 | 819,686 | 96,015 |
59 | Wells Fargo & Co. San Francisco | 110.7 | 118.7 | 348,021,000 | 314,319,000 | 44,862,000 |
60 | First Olathe Bancshares Inc. Overland Park, Kan. | 110.4 | 112.7 | 1,122,266 | 1,016,354 | 80,301 |
61 | Peoplesbancorp MHC Holyoke, Mass. | 110.2 | 111.2 | 1,004,186 | 911,368 | 110,572 |
62 | State Bankshares Inc. Fargo, N.D. | 110.1 | 110.1 | 1,438,111 | 1,305,992 | 80,913 |
63 | Amboy Bancorp. Old Bridge, N.J. | 110 | 115.2 | 2,184,373 | 1,986,362 | 216,691 |
64 | Minnehaha Banshares Inc. Sioux Falls, S.D. | 109.8 | 95.3 | 676,009 | 615,501 | 90,987 |
65 | Minnwest Corp. Minnetonka, Minn. | 109.5 | 111.2 | 1,103,861 | 1,007,916 | 129,579 |
66 | Charles Schwab Corp. San Francisco | 108.8 | 144.7 | 19,475,323 | 17,896,314 | 4,634,332 |
67 | CoBiz Inc. Denver | 108.6 | 96.8 | 1,516,494 | 1,396,337 | 155,628 |
68 | Leesport Financial Corp. Wyomissing, Pa. | 108.3 | 102.4 | 747,062 | 689,582 | 99,314 |
Webster Financial Corp. Waterbury, Conn. | 108.3 | 106.4 | 13,330,859 | 12,305,564 | 1,683,147 | |
Community Bancorp Inc. Escondido, Calif. | 108.3 | 99.7 | 727,852 | 671,896 | 109,375 | |
71 | Associated Banc-Corp Green Bay, Wis. | 108.2 | 116.4 | 15,371,938 | 14,208,545 | 2,270,380 |
72 | Pacific Capital Bancorp Santa Barbara, Calif. | 108.1 | 91.2 | 5,333,265 | 4,932,332 | 608,184 |
Fifth Third Bancorp Cincinnati | 108.1 | 106.9 | 74,351,435 | 68,775,004 | 10,021,745 | |
AmericanWest Bancorp. Spokane | 108.1 | 103.6 | 1,189,990 | 1,100,693 | 149,920 | |
75 | QCR Holdings Inc. Moline, Ill. | 108 | 104.5 | 942,968 | 873,254 | 57,629 |
76 | PremierWest Bancorp Medford, Ore. | 107.9 | 101.3 | 867,588 | 804,044 | 113,126 |
Abington MHC Jenkintown, Pa. | 107.9 | 107 | 596,314 | 552,877 | 63,588 | |
78 | Harris Financial Corp. Wilmington, Del. | 107.8 | 99.2 | 30,057,824 | 27,887,682 | 4,652,796 |
79 | M&T Bank Corp. Buffalo | 107.7 | 108.4 | 42,098,271 | 39,078,789 | 6,151,243 |
Boston Private Financial Holdings Inc. | 107.7 | 95.7 | 4,153,845 | 3,856,572 | 619,240 | |
81 | Fremont Bancorp. Calif. | 107.6 | 110.7 | 1,544,987 | 1,435,844 | 97,106 |
Huntington Bancshares Inc. Columbus, Ohio | 107.6 | 111.4 | 26,643,990 | 24,772,670 | 3,129,746 | |
83 | Dickinson Financial Corp. II Kansas City, Mo. | 107.5 | 107.8 | 3,571,089 | 3,323,576 | 509,781 |
84 | Gateway Financial Holdings Inc. Virginia Beach | 107.4 | 100.4 | 896,080 | 834,093 | 106,058 |
Citizens Financial Group Inc. Providence, R.I. | 107.4 | 99.6 | 107,239,735 | 99,844,707 | 23,261,563 | |
Sterling Financial Corp. Spokane | 107.4 | 99.1 | 6,415,356 | 5,973,280 | 608,721 | |
87 | Compass Bancshares Inc. Birmingham, Ala. | 107.3 | 110.3 | 24,537,734 | 22,874,056 | 2,748,244 |
88 | Community Bancorp Las Vegas | 107 | 93.6 | 909,292 | 849,527 | 118,175 |
RBC Centura Banks Inc. Raleigh | 107 | 121.3 | 13,176,384 | 12,311,419 | 3,320,093 | |
90 | TIB Financial Corp. Naples, Fla. | 106.8 | 90.6 | 1,039,390 | 972,858 | 82,661 |
Capitol Bancorp Ltd. Lansing, Mich. | 106.8 | 104.4 | 3,325,483 | 3,114,206 | 327,791 | |
92 | SunTrust Banks Inc. Atlanta | 106.7 | 108 | 132,739,040 | 124,392,950 | 18,589,307 |
93 | Oak Hill Financial Inc. Jackson, Ohio | 106.6 | 102.6 | 1,027,140 | 963,522 | 94,172 |
Colonial BancGroup Inc. Montgomery, Ala. | 106.6 | 101.5 | 16,838,013 | 15,797,799 | 2,024,101 | |
95 | Mercantile Bank Corp. Grand Rapids, Mich. | 105.9 | 106.6 | 1,710,268 | 1,614,703 | 167,548 |
Olney Bancshares of Texas Inc. | 105.9 | 105.3 | 836,584 | 789,986 | 83,226 | |
97 | Banner Corp. Walla Walla, Wash. | 105.8 | 104 | 2,902,239 | 2,744,351 | 241,720 |
Total Bancshares Corp. Miami | 105.8 | 104.4 | 871,161 | 823,800 | 76,956 | |
99 | Beacon Bancorp Taunton, Mass. | 105.5 | 87.4 | 711,072 | 673,906 | 156,755 |
Integrity Bancshares Inc. Alpharetta, Ga. | 105.5 | 98.6 | 854,839 | 810,664 | 77,045 | |
101 | First Mariner Bancorp Baltimore | 105.3 | 108.5 | 965,907 | 917,014 | 80,159 |
102 | Florida Community Banks Inc. Immokalee | 105.2 | 108.1 | 891,089 | 846,807 | 84,542 |
103 | BancPlus Corp. Belzoni, Miss. | 105 | 102.7 | 1,335,470 | 1,271,650 | 142,668 |
First Charter Corp. Charlotte | 105 | 102.2 | 3,102,706 | 2,954,854 | 352,574 | |
Summit Financial Group Inc. Moorefield, W.Va. | 105 | 118.9 | 908,191 | 865,062 | 80,630 | |
106 | Big Sandy Holding Co. Longmont, Colo. | 104.9 | 100.9 | 958,395 | 913,945 | 65,107 |
107 | Vineyard National Bancorp Corona, Calif. | 104.8 | 116.2 | 1,796,064 | 1,713,439 | 136,584 |
108 | Temecula Valley Bancorp Inc. Calif. | 104.3 | 97.5 | 1,061,515 | 1,017,456 | 72,960 |
Bank of America Corp. Charlotte | 104.3 | 90.8 | 695,211,560 | 666,561,808 | 133,596,772 | |
S.Y. Bancorp Inc. Louisville | 104.3 | 103.2 | 1,121,323 | 1,075,135 | 134,576 | |
111 | Sierra Bancorp Porterville, Calif. | 104.1 | 91.1 | 865,244 | 830,994 | 88,876 |
Premier Community Bankshares Inc. Winchester, Va. | 104.1 | 99.9 | 740,801 | 711,515 | 70,446 | |
113 | South Financial Group Inc. Greenville, S.C. | 104 | 102.4 | 9,549,988 | 9,186,441 | 1,550,232 |
Stark Bank Group Ltd. Fort Dodge, Iowa | 104 | 104.8 | 1,108,419 | 1,066,316 | 107,631 | |
115 | Merchants and Manufacturers Bancorp. Inc. New Berlin, Wis. | 103.9 | 99.2 | 1,184,351 | 1,139,756 | 94,955 |
116 | Center Financial Corp. Los Angeles | 103.7 | 87.2 | 1,477,111 | 1,424,865 | 134,258 |
W.T.B. Financial Corp. Spokane | 103.7 | 94.5 | 2,671,749 | 2,577,684 | 285,945 | |
Citigroup Inc. New York | 103.5 | 102 | 692,593,000 | 669,278,000 | 117,865,000 | |
Community Bankshares Inc. Greenwood Village, Colo. | 103.4 | 107.3 | 1,131,566 | 1,093,981 | 103,853 | |
Macatawa Bank Corp. Holland, Mich. | 103.2 | 104 | 1,684,591 | 1,633,003 | 155,125 | |
S&T Bancorp Inc. Indiana, Pa. | 103.1 | 104.4 | 2,617,255 | 2,537,701 | 335,011 | |
Southwest Bancorp Inc. Stillwater, Okla. | 103.1 | 100.6 | 1,795,705 | 1,741,996 | 191,231 | |
Hillcrest Bancshares Inc. Overland Park, Kan. | 103.1 | 101.9 | 1,185,236 | 1,150,186 | 119,619 | |
Comerica Inc. Detroit | 102.9 | 96.6 | 46,609,152 | 45,290,882 | 5,207,919 | |
SCBT Financial Corp. Columbia, S.C. | 102.9 | 102.4 | 1,704,841 | 1,657,415 | 160,331 | |
BNC Bancorp Thomasville, N.C. | 102.8 | 103.5 | 740,248 | 720,299 | 70,458 | |
Fulton Financial Corp. Lancaster, Pa. | 102.6 | 97.1 | 10,548,844 | 10,277,028 | 1,497,693 | |
Republic First Bancorp Inc. Philadelphia | 102.5 | 110.4 | 761,803 | 743,028 | 72,067 | |
Citizens Republic Bancorp Flint, Mich. | 102.5 | 107.1 | 5,765,064 | 5,625,718 | 674,307 | |
Horizon Bancorp Michigan City, Ind. | 102.5 | 91.6 | 835,360 | 815,186 | 59,490 | |
Bank of Highland Park Financial Corp. Ill. | 102.5 | 102.3 | 882,304 | 861,165 | 68,224 | |
132 | BB&T Corp. Winston-Salem, N.C. | 102.4 | 100.7 | 81,950,079 | 80,066,203 | 11,733,925 |
133 | AmSouth Bancorp. Birmingham, Ala. | 102.3 | 97.4 | 38,514,328 | 37,648,009 | 3,828,845 |
134 | Alabama National BanCorp. Birmingham | 102.2 | 95.9 | 4,898,428 | 4,790,982 | 706,113 |
135 | First Bancorp Troy, N.C. | 102.1 | 98.2 | 1,700,415 | 1,665,897 | 163,089 |
136 | Bancorp Rhode Island Inc. Providence | 102 | 97.9 | 1,008,148 | 987,958 | 109,387 |
Camden National Corp. Maine | 102 | 103 | 1,244,142 | 1,220,121 | 102,726 | |
138 | Porter Bancorp Inc. Louisville, Ky. | 101.9 | 100.8 | 817,421 | 802,418 | 105,806 |
139 | Benjamin Franklin Bancorp Inc. Franklin, Mass. | 101.8 | 100.2 | 641,603 | 630,265 | 108,371 |
140 | Synovus Financial Corp. Columbus, Ga. | 101.6 | 103.9 | 24,351,287 | 23,962,565 | 3,563,947 |
NEB Corp. Fond Du Lac, Wis. | 101.6 | 103.1 | 900,987 | 886,695 | 192,521 | |
142 | Nara Bancorp Inc. Los Angeles | 101.2 | 93.7 | 1,669,424 | 1,649,317 | 176,622 |
Bremer Financial Corp. St. Paul | 101.2 | 101.3 | 4,894,745 | 4,838,434 | 579,921 | |
144 | First Indiana Corp. Indianapolis | 101.1 | 111 | 1,692,728 | 1,674,329 | 178,508 |
F and M Bancorp. Tulsa | 101.1 | 104.3 | 1,019,984 | 1,009,000 | 98,920 | |
Pacific Mercantile Bancorp Costa Mesa, Calif. | 101.1 | 105.9 | 711,633 | 704,053 | 85,586 | |
147 | First United Corp. Oakland, Md. | 100.9 | 106.3 | 957,391 | 948,543 | 98,758 |
148 | First South Bancorp Inc. Lexington, Tenn. | 100.7 | 102.7 | 1,159,674 | 1,151,302 | 98,702 |
Cathay General Bancorp Los Angeles | 100.7 | 89.7 | 5,507,067 | 5,467,588 | 902,810 | |
Centennial Bank Holdings Inc. Denver | 100.7 | 102.8 | 1,981,506 | 1,968,214 | 595,215 | |
*Among 500 largest companies that file Y-9C reports with the Federal Reserve. **Includes leases
Source:
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, Charlottesville, Va.© 2007 American Banker