Highest Loan/Deposit Ratios Among Bank Holding Companies

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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding Companies*
On Sept. 30, 2006. Dollars in thousands
Published February 14, 2007
Related Table: Select Ratios and Fastest Percentage Growth
  Loans** as % of deposits  
  Sept. 30 Yr. earlier Loans** Deposits Equity capital
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:

<font size="2">SNL Financial</font>
, Charlottesville, Va.

© 2007 American Banker