Highest Loan/Deposit Ratios Among Bank Holding Companies

September 27, 2007, 10:08 a.m. EDT 1 Min Read

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Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn March 31, 2007. Dollars in thousands. Published September 27, 2007
Related Table: Select Ratios and Fastest Percentage Growth
		Home equity loans
		March 31	Year earlier	Loans**	Deposits	Equity capital
1	MetLife Inc. New York	1252.00%	1084.30%	$56,556,713	$4,517,247	$34,068,493
2	Utrecht-America Holdings Inc. New York	797.3	732.5	22,523,153	2,825,003	1,015,011
3	Community Financial Services Inc. Atlanta	730.5	452.5	1,389,461	190,199	132,351
4	Taunus Corp. New York	583.7	234.1	67,020,000	11,482,000	5,228,000
5	United National Corp. Sioux Falls, S.D.	200.2	204.7	976,703	487,806	685,584
6	Cass Information Systems Inc. Bridgeton, Mo.	194	189.6	530,609	273,501	87,145
7	HSBC North America Holdings Inc. Prospect Heights, Ill.	193.9	208.9	282,739,685	145,848,915	32,630,470
8	Independent Bankers Financial Corp. Irving, Tex.	166.9	159.7	674,126	403,961	90,726
9	Irwin Financial Corp. Columbus, Ind.	158.4	126.7	5,459,352	3,447,482	512,869
10	New York Community Bancorp Inc. Westbury	152.4	144.9	19,287,518	12,655,701	3,711,606
11	Franklin Resources Inc. San Mateo, Calif.	148	93.6	681,975	460,724	7,030,980
12	Imperial Capital Bancorp Inc. La Jolla, Calif.	143.8	145.7	3,059,640	2,127,674	226,850
13	Beverly Hills Bancorp Inc. Calabasas, Calif.	141.3	140.7	1,081,841	765,400	157,130
14	Santander BanCorp San Juan, Puerto Rico	136.3	126.2	7,044,307	5,169,690	585,879
15	Rainier Pacific Financial Group Inc. Tacoma	134.4	131.2	638,500	475,000	88,793
16	Wauwatosa Holdings Inc. Wauwatosa, Wis.	134	123.5	1,384,521	1,033,483	230,153
17	BBVAPR Holding Corp. San Juan, Puerto Rico	133.5	127.6	4,106,443	3,074,967	534,959
18	Popular Inc. Hato Rey, Puerto Rico	132.9	134.3	32,881,000	24,739,000	3,736,000
19	Marshall & Ilsley Corp. Milwaukee	129.5	125.5	42,256,869	32,631,778	6,353,926
20	U.S. Bancorp Minneapolis	126.1	115.7	148,920,000	118,060,000	20,800,000
21	Republic Bancorp Inc. Louisville	125.9	119.7	2,322,035	1,844,763	244,433
22	National City Corp. Cleveland	124.4	140.1	110,271,145	88,647,858	13,170,369
23	R & G Financial Corp. Hato Rey, Puerto Rico	124.2	118.3	7,761,970	6,250,444	531,076
24	Pacific Continental Corp. Eugene, Ore.	123.4	114.1	788,253	638,910	98,897
25	Ida Grove Bancshares Inc. Iowa	123.2	122.7	804,868	653,304	67,224
26	First National Bank Holding Co. Scottsdale, Ariz.	122.1	110.5	4,023,212	3,295,350	238,769
27	Camco Financial Corp. Cambridge, Ohio	121.3	124.3	836,854	689,807	91,231
28	BTC Financial Corp. Des Moines	120.8	104	1,569,865	1,299,877	126,380
29	Doral Financial Corp. San Juan, Puerto Rico	120.4	218.7	5,094,354	4,229,679	891,559
30	Frontier Financial Corp. Everett, Wash.	117.5	112.7	3,018,263	2,569,742	390,762
31	Marquette Financial Cos. Minneapolis	117.1	123.6	1,903,884	1,626,305	432,741
32	Cascade Financial Corp. Everett, Wash.	116.6	117.6	1,037,437	889,982	114,967
33	KeyCorp Cleveland	116.3	118.8	69,886,330	60,093,508	7,718,731
	TCF Financial Corp. Wayzata, Minn.	116.3	111.2	11,626,067	9,999,186	1,062,008
35	First Regional Bancorp Century City, Calif.	116.2	122.6	1,851,408	1,592,751	157,110
36	Cooperative Bankshares Inc. Wilmington, N.C.	115.7	116.8	770,255	665,757	59,539
	Bank of Florida Corp. Naples	115.7	102.8	831,195	718,584	137,028
38	Pacific Capital Bancorp Santa Barbara, Calif.	115.1	95.3	5,764,636	5,009,284	669,005
39	Macon Bancorp Franklin, N.C.	114.9	113.7	800,926	697,242	73,245
	Rockville Financial MHC Inc. Vernon Rockville, Conn.	114.9	117.6	1,056,072	919,476	86,187
41	Green Bankshares Inc. Greeneville, Tenn.	114.8	108.5	1,605,686	1,398,857	189,997
	Wells Fargo & Co. San Francisco	114.8	113.8	358,602,000	312,506,000	46,135,000
43	First Mutual Bancshares Inc. Bellevue, Wash.	114.6	113.6	891,633	777,786	72,365
44	Stearns Financial Services Inc. St. Cloud, Minn.	114.2	118.7	1,466,122	1,283,957	172,633
45	Peoplesbancorp MHC Holyoke, Mass.	113.6	108.8	1,030,387	907,119	111,819
46	Orion Bancorp Inc. Naples, Fla.	112.9	113.3	1,930,850	1,710,053	117,740
	QCR Holdings Inc. Moline, Ill.	112.9	105.1	990,865	877,841	72,367
48	Vineyard National Bancorp Corona, Calif.	112.8	110	1,996,760	1,769,967	147,307
49	Fremont Bancorp. Calif.	112.6	110.5	1,642,694	1,458,582	102,544
50	Hills Bancorp. Hills, Iowa	112.4	110.9	1,307,121	1,162,906	139,586
51	Sterling Financial Corp. Spokane	112.3	104.1	8,530,042	7,595,923	1,113,730
52	Affinity Bank Holdings Inc. Ventura, Calif.	112.1	125.2	793,905	708,163	51,206
	Liberty Financial Group Inc. Eugene, Ore.	112.1	113.3	837,676	747,229	71,657
54	First Horizon National Corp. Memphis	112	115.2	25,191,757	22,493,928	2,514,676
55	M&T Bank Corp. Buffalo	111.7	107	43,507,176	38,937,906	6,253,184
56	Gateway Financial Holdings Inc. Virginia Beach, Va.	111.1	103.1	1,083,638	975,223	111,688
57	State Bankshares Inc. Fargo, N.D.	111	108.4	1,492,552	1,344,506	84,160
58	Harris Financial Corp. Wilmington, Del.	110.9	105.3	32,753,369	29,533,120	4,723,403
	Beacon Bancorp Taunton, Mass.	110.9	94.8	779,302	703,032	162,393
60	Dearborn Bancorp Inc. Mich.	110.7	107	938,592	848,036	144,970
61	South Plains Financial Inc. Lubbock, Tex.	110.6	112.1	1,185,649	1,071,607	84,012
	Center Financial Corp. Los Angeles	110.6	83.3	1,597,653	1,444,261	146,861
63	Horizon Financial Corp. Bellingham, Wash.	110.2	112.4	1,075,252	975,527	123,854
64	Fifth Third Bancorp Cincinnati	109.9	104.6	76,202,482	69,342,178	9,804,350
65	Comerica Inc. Detroit	109.8	100.4	48,083,296	43,804,676	5,119,745
66	Citizens Republic Bancorp Inc. Flint, Mich.	109.7	101.5	9,282,121	8,461,424	1,571,912
67	Capital One Financial Corp. McLean, Va.	109.6	122.6	96,051,403	87,672,749	26,020,770
68	East West Bancorp Inc. Pasadena, Calif.	109.5	108.9	8,022,065	7,323,760	1,038,198
	FirstBank Corp. Alma, Mich.	109.5	111.7	912,801	833,560	98,130
70	Bank of America Corp. Charlotte	109.3	93.7	757,811,820	693,129,758	134,855,601
71	First Olathe Bancshares Inc. Overland Park, Kan.	109.2	112.8	1,168,956	1,070,966	85,859
72	Boston Private Financial Holdings Inc.	108.9	98.8	4,467,868	4,104,128	651,282
73	Oak Hill Financial Inc. Jackson, Ohio	108.1	104.8	1,039,950	961,787	92,916
74	Huntington Bancshares Inc. Columbus, Ohio	107.8	107.6	26,543,537	24,622,551	3,051,360
	Integrity Bancshares Inc. Alpharetta, Ga.	107.8	100.1	997,396	925,306	86,992
76	Wachovia Corp. Charlotte	107.70%	89.20%	$441,643,000	$409,991,000	$69,786,000
	Lakeside Bancorp Inc. Chicago	107.7	116.2	792,536	735,992	83,425
	Cascade Bancorp Bend, Ore.	107.7	101.5	1,931,893	1,794,493	269,269
79	Capitol Bancorp Ltd. Lansing, Mich.	107.6	105.2	3,648,843	3,392,035	381,992
80	AmericanWest Bancorp. Spokane	107.4	106.3	1,253,292	1,167,197	154,731
81	First Community Bancorp San Diego	107.3	106.5	3,955,257	3,686,111	1,182,257
	Summit Financial Group Inc. Moorefield, W.Va.	107.3	115.5	940,905	877,226	82,935
83	Citizens Financial Group Inc. Providence, R.I.	107.2	104.6	107,954,529	100,682,716	23,857,884
	First Bancorp Inc. Lebanon, Va.	107.2	98.9	752,143	701,837	64,135
85	Associated Banc-Corp Green Bay, Wis.	106.9	114.5	14,948,306	13,980,967	2,236,134
	Silver State Bancorp Henderson, Nev.	106.9	98.8	1,230,870	1,151,226	112,399
	BB&T Corp Winston-Salem, N.C.	106.9	101	85,320,094	79,839,360	11,650,329
88	Total Bancshares Corp. Miami	106.8	97.7	983,401	920,802	86,119
89	First Charter Corp. Charlotte	106.7	107.8	3,543,560	3,321,366	455,372
90	Charles Schwab Corp. San Francisco	106.6	130.2	20,355,040	19,095,681	4,935,420
91	CNLBancshares Inc. Orlando	106.4	102.5	1,026,044	964,177	156,561
	BancWest Corp. Honolulu	106.4	103.8	46,335,649	43,550,197	7,519,047
93	SunTrust Banks Inc. Atlanta	106.1	104.7	130,980,347	123,438,275	17,968,538
	S&T Bancorp Inc. Indiana, Pa.	106.1	103.2	2,734,550	2,578,046	327,559
95	SCBT Financial Corp. Columbia, S.C.	105.9	101.9	1,817,206	1,716,399	166,600
96	Minnwest Corp. Minnetonka, Minn.	105.8	108.3	1,149,711	1,086,746	136,443
97	Leesport Financial Corp. Wyomissing, Pa.	105.6	100.2	775,678	734,347	103,233
	ANB Bancshares Inc. Rogers, Ark.	105.6	124.3	1,658,504	1,570,739	76,837
99	CoBiz Financial Inc. Denver	105.5	97.8	1,568,737	1,486,984	189,919
100	Macatawa Bank Corp. Holland, Mich.	105.1	103.2	1,724,164	1,640,260	163,406
	PremierWest Bancorp Medford, Ore.	105.1	107.2	927,651	883,023	119,704
102	First Indiana Corp. Indianapolis	105	104	1,675,780	1,596,544	177,374
103	Olney Bancshares of Texas Inc.	104.4	107	1,032,496	988,625	95,260
104	Hometown Community Bancorp Inc. Morton, Ill.	104.3	93.8	1,053,917	1,010,642	87,615
105	Fulton Financial Corp. Lancaster, Pa.	104.1	99.7	10,654,597	10,235,580	1,521,931
106	HNB Corp. Arkansas City, Kan.	104	94.1	682,350	656,289	70,545
107	Compass Bancshares Inc. Birmingham, Ala.	103.8	104.9	24,981,351	24,074,665	2,931,774
	Minnehaha Banshares Inc. Sioux Falls, S.D.	103.8	90.4	658,848	635,026	96,279
109	Mercantile Bank Corp. Grand Rapids, Mich.	103.7	108.8	1,748,838	1,686,157	175,481
110	S.Y. Bancorp Inc. Louisville	103.6	98.7	1,155,647	1,115,025	140,176
111	Enterprise Financial Services Corp St. Louis	103.5	102.6	1,497,110	1,446,104	158,702
112	Porter Bancorp Inc. Louisville	103.3	99.7	926,747	897,479	110,559
113	Banner Corp. Walla Walla, Wash.	103.1	106.4	3,011,821	2,921,148	281,470
114	Florida Community Banks Inc. Immokalee	103	103.4	839,801	815,675	95,244
115	Independent Alliance Banks Inc. Fort Wayne, Ind.	102.9	100.9	659,278	640,981	73,608
116	Cathay General Bancorp Los Angeles	102.8	99.3	5,885,361	5,724,740	938,638
117	First National Lincoln Corp. Damariscotta, Maine	102.7	105.4	846,774	824,761	108,800
118	Central Pacific Financial Corp. Honolulu	102.6	99.3	3,946,150	3,845,621	753,536
119	Heritage Financial Corp. Olympia, Wash.	102.5	99.5	765,510	746,701	80,176
	First Chicago Bancorp Itasca, Ill.	102.5	97.1	782,127	763,274	144,492
	West Bancorp. Inc. West Des Moines, Iowa	102.5	95.9	946,745	924,014	115,893
122	Temecula Valley Bancorp Inc. Calif.	102.4	96.7	1,179,789	1,151,853	107,744
123	Spirit Bankcorp Inc. Bristow, Okla.	102.3	95.3	808,334	790,407	57,137
	Synovus Financial Corp. Columbus, Ga.	102.3	103.6	25,404,947	24,842,378	3,836,082
	Republic First Bancorp Inc. Philadelphia	102.3	104	832,442	814,141	76,926
126	First Bancorp Troy, N.C.	101.9	99.4	1,780,616	1,747,486	165,102
127	First Merchants Corp. Muncie, Ind.	101.7	102.1	2,733,872	2,687,388	328,648
128	Webster Financial Corp. Waterbury, Conn.	101.6	105.9	12,759,281	12,559,672	1,905,014
129	Trinity Capital Corp. Los Alamos, N.M.	101.1	102.6	1,170,300	1,157,937	83,731
130	Camden National Corp. Maine	100.9	100.7	1,200,257	1,189,364	112,263
131	Johnson Financial Group Inc. Racine, Wis.	100.8	97.8	3,323,271	3,295,751	304,575
	Community Bancorp Las Vegas	100.8	101.4	1,293,169	1,282,917	224,987
	Dickinson Financial Corp. II Kansas City, Mo.	100.8	110.4	3,742,521	3,713,300	551,777
	ABN Amro North America Holding Co. Chicago	100.8	116.2	67,322,026	66,810,267	6,047,105
	GBank and Trust Bancshares Inc. Gainesville, Ga.	100.8	99.8	1,524,746	1,513,444	236,347
136	Amboy Bancorp. Old Bridge, N.J.	100.7	114.7	2,156,849	2,140,901	228,642
	NewAlliance Bancshares Inc. New Haven	100.7	89.8	4,502,063	4,469,964	1,431,489
	Bank of Highland Park Financial Corp. Ill.	100.7	103.5	966,630	960,324	72,119
139	Texas Capital Bancshares Inc. Dallas	100.6	97.1	3,106,562	3,087,047	263,616
	Southern Community Financial Corp. Winston-Salem, N.C.	100.6	92.5	1,085,479	1,078,781	138,046
141	Georgian Bancorp. Inc. Atlanta	100.5	95.9	1,459,262	1,451,619	115,576
	Stark Bank Group Ltd. Fort Dodge, Iowa	100.5	106.2	1,189,641	1,184,082	114,517
143	PrivateBancorp Inc. Chicago	100.4	95.1	3,596,326	3,582,821	299,672
	Taylor Capital Group Inc. Rosemont, Ill.	100.4	95.9	2,501,507	2,492,373	278,218
	Nara Bancorp Inc. Los Angeles	100.4	94.3	1,757,220	1,750,976	194,748
146	Virginia Commerce Bancorp Inc. Arlington, Va.	100.3	100	1,716,315	1,710,775	146,772
	Merchants and Manufacturers Bancorp. Inc. New Berlin, Wis.	100.3	104.9	1,182,076	1,178,794	94,757
	Glacier Bancorp Inc. Kalispell, Mont.	100.3	95.3	3,207,683	3,199,069	472,437
149	Regions Financial Corp. Birmingham, Ala.	100.2	99.6	95,568,197	95,360,017	20,314,166
	Citigroup Inc. New York	100.2	102.6	739,770,000	738,521,000	122,083,000
	American National Corp. Omaha	100.2	97.8	1,319,794	1,317,805	141,840

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

SNL Financial