Highest Loan/Deposit Ratios Among Bank Holding Companies
Published December 06, 2007, 10:08 a.m. EST
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Updated January 02, 1970, 9:08 a.m. EST
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Highest Loan/Deposit Ratios Among Bank Holding Companies
Highest Loan/Deposit Ratios Among Bank Holding Companies*On June 30, 2007. Dollars in thousands. | ||||||
|---|---|---|---|---|---|---|
| Rank | | | | | ||
| June 30 | | |||||
| 1 | MetLife Inc. New York | 1301.40% | 1093.20% | $57,039,898 | $4,383,139 | $33,556,181 |
| 2 | Community Financial Services Inc. Atlanta | 835.5 | 510.8 | 1,485,561 | 177,808 | 130,145 |
| 3 | Taunus Corp. New York | 579.3 | 219.6 | 70,240,000 | 12,126,000 | 5,141,000 |
| 4 | Utrecht-America Holdings Inc. New York | 338.9 | 788.8 | 16,693,840 | 4,926,155 | 737,527 |
| 5 | Stifel Financial Corp. St. Louis | 311.1 | NA | 437,229 | 140,561 | 388,239 |
| 6 | United National Corp. Sioux Falls, S.D. | 217.9 | 231.0 | 1,051,184 | 482,353 | 685,554 |
| 7 | Cass Information Systems Inc. Bridgeton, Mo. | 195.0 | 192.4 | 521,007 | 267,208 | 89,445 |
| 8 | HSBC North America Holdings Inc. Prospect Heights, Ill. | 189.7 | 201.4 | 282,395,533 | 148,877,697 | 32,896,564 |
| 9 | Irwin Financial Corp. Columbus, Ind. | 166.9 | 130.5 | 5,537,956 | 3,317,775 | 507,645 |
| 10 | Independent Bankers Financial Corp. Irving, Tex. | 152.8 | 182.6 | 708,655 | 463,839 | 93,677 |
| 11 | Beverly Hills Bancorp Inc. Calabasas, Calif. | 150.4 | 134.9 | 1,073,592 | 713,735 | 153,871 |
| 12 | Imperial Capital Bancorp Inc. La Jolla, Calif. | 143.8 | 146.9 | 3,130,469 | 2,176,547 | 227,359 |
| 13 | Republic Bancorp Inc. Louisville | 140.4 | 126.4 | 2,352,274 | 1,675,321 | 242,432 |
| 14 | Rainier Pacific Financial Group Inc. Tacoma | 138.4 | 133.5 | 647,385 | 467,704 | 89,910 |
| 15 | New York Community Bancorp Inc. Westbury | 135.8 | 140.7 | 18,918,430 | 13,927,669 | 3,961,471 |
| 16 | Wauwatosa Holdings Inc. Wis. | 133.5 | 126.5 | 1,385,191 | 1,037,931 | 216,829 |
| 17 | Santander BanCorp San Juan, Puerto Rico | 132.7 | 130.7 | 7,010,630 | 5,284,727 | 571,846 |
| 18 | Doral Financial Corp. San Juan, Puerto Rico | 131.4 | 132.1 | 5,121,204 | 3,896,586 | 786,287 |
| BBVAPR Holding Corp. San Juan, Puerto Rico | 131.4 | 124.5 | 4,169,262 | 3,172,473 | 536,803 | |
| 20 | Franklin Resources Inc. San Mateo, Calif. | 130.8 | 128.8 | 579,765 | 443,211 | 7,012,073 |
| 21 | Popular Inc. Hato Rey, Puerto Rico | 129.0 | 137.4 | 32,752,000 | 25,386,000 | 3,697,000 |
| 22 | U.S. Bancorp Minneapolis | 125.5 | 117.3 | 150,260,000 | 119,702,000 | 20,330,000 |
| 23 | Marquette Financial Cos. Minneapolis | 124.4 | 102.0 | 2,029,820 | 1,631,985 | 435,420 |
| 24 | R and G Financial Corp. Hato Rey, Puerto Rico | 123.8 | 147.5 | 7,812,853 | 6,310,830 | 416,741 |
| 25 | Marshall & Ilsley Corp. Milwaukee | 123.7 | 122.8 | 43,287,677 | 34,986,005 | 6,438,264 |
| 26 | Ida Grove Bancshares Inc. Ida Grove, Iowa | 123.6 | 124.7 | 825,310 | 667,646 | 67,580 |
| 27 | National City Corp. Cleveland | 123.3 | 136.9 | 114,116,695 | 92,580,312 | 12,146,526 |
| 28 | Camco Financial Corp. Cambridge, Ohio | 122.9 | 123.9 | 842,082 | 685,255 | 90,149 |
| 29 | Stearns Financial Services Inc. St. Cloud, Minn. | 121.6 | 116.8 | 1,490,964 | 1,226,165 | 177,045 |
| 30 | CNLBancshares Inc. Orlando | 118.6 | 117.2 | 1,096,032 | 923,918 | 158,046 |
| 31 | QCR Holdings Inc. Moline, Ill. | 118.4 | 107.8 | 1,015,766 | 857,671 | 72,514 |
| 32 | BTC Financial Corp. Des Moines | 118.2 | 115.7 | 1,604,187 | 1,356,768 | 126,263 |
| First Horizon National Corp. Memphis | 118.2 | 115.0 | 25,714,528 | 21,763,424 | 2,463,482 | |
| 34 | TCF Financial Corp. Wayzata, Minn. | 117.9 | 114.4 | 11,722,601 | 9,941,976 | 1,001,032 |
| 35 | Boston Private Financial Holdings Inc. | 117.7 | 108.1 | 4,594,764 | 3,905,091 | 663,695 |
| 36 | Fremont Bancorp. Calif. | 117.6 | 112.7 | 1,750,575 | 1,488,936 | 103,000 |
| 37 | KeyCorp Cleveland | 117.2 | 117.4 | 71,237,634 | 60,776,327 | 7,701,222 |
| 38 | Hills Bancorp. Hills, Iowa | 116.7 | 116.2 | 1,317,243 | 1,128,759 | 142,590 |
| 39 | First Regional Bancorp Century City, Calif. | 116.4 | 115.5 | 1,913,599 | 1,643,878 | 165,837 |
| 40 | First Mutual Bancshares Inc. Bellevue, Wash. | 116.3 | 121.8 | 888,243 | 763,957 | 73,739 |
| 41 | Wells Fargo & Co. San Francisco | 116.0 | 104.4 | 378,267,000 | 326,076,000 | 47,301,000 |
| 42 | First Community Bancorp San Diego | 115.9 | 107.8 | 3,960,521 | 3,417,931 | 1,225,106 |
| 43 | First National Bank Holding Co. Scottsdale, Ariz. | 115.8 | 120.3 | 3,763,201 | 3,251,138 | 229,671 |
| 44 | Citizens Republic Bancorp Inc. Flint, Mich. | 115.1 | 101.1 | 9,301,894 | 8,083,849 | 1,534,140 |
| Cooperative Bankshares Inc. Wilmington, N.C. | 115.1 | 115.7 | 795,784 | 691,573 | 61,365 | |
| 46 | Affinity Bank Holdings Inc. Ventura, Calif. | 114.6 | 127.3 | 825,838 | 720,598 | 48,757 |
| 47 | Peoplesbancorp MHC Holyoke, Mass. | 114.2 | 105.9 | 1,036,400 | 907,316 | 111,679 |
| Macon Bancorp Franklin, N.C. | 114.2 | 114.4 | 815,915 | 714,303 | 74,966 | |
| 49 | Bank of Florida Corp. Naples | 114.0 | 102.2 | 1,106,375 | 970,296 | 196,032 |
| 50 | Dearborn Bancorp Inc. Mich. | 113.9 | 113.8 | 946,440 | 830,731 | 142,762 |
| Carolina Financial Corp. Charleston, S.C. | 113.9 | 111.1 | 768,080 | 674,633 | 44,995 | |
| 52 | Pacific Capital Bancorp Santa Barbara, Calif. | 113.8 | 107.8 | 5,444,056 | 4,783,977 | 653,686 |
| 53 | Sterling Financial Corp. Spokane | 113.7 | 103.9 | 8,693,814 | 7,645,705 | 1,122,172 |
| 54 | Pacific Continental Corp. Eugene, Ore. | 113.6 | 117.7 | 796,150 | 701,031 | 101,435 |
| 55 | Rockville Financial MHC Inc. Vernon Rockville, Conn. | 113.5 | 113.2 | 1,077,758 | 949,467 | 86,472 |
| 56 | Orion Bancorp Inc. Naples, Fla. | 113.3 | 121.8 | 1,914,072 | 1,688,968 | 119,737 |
| 57 | Cascade Financial Corp. Everett, Wash. | 112.9 | 112.3 | 1,016,517 | 900,165 | 115,685 |
| Summit Financial Group Inc. Moorefield, W.Va. | 112.9 | 116.0 | 960,121 | 850,389 | 83,067 | |
| Beacon Bancorp Taunton, Mass. | 112.9 | 101.0 | 801,851 | 710,337 | 166,226 | |
| 60 | Frontier Financial Corp. Everett, Wash. | 112.7 | 113.7 | 3,193,516 | 2,833,115 | 381,666 |
| 61 | Bank of America Corp. Charlotte | 112.6 | 101.4 | 787,689,481 | 699,759,294 | 135,750,639 |
| 62 | Comerica Inc. Detroit | 112.5 | 104.3 | 48,867,326 | 43,440,995 | 5,017,978 |
| 63 | East West Bancorp Inc. Pasadena, Calif. | 112.2 | 110.3 | 8,027,081 | 7,153,819 | 1,055,171 |
| 64 | Horizon Financial Corp. Bellingham, Wash. | 111.8 | 112.9 | 1,104,050 | 987,809 | 125,635 |
| 65 | Green Bankshares Inc. Greeneville, Tenn. | 111.7 | 111.3 | 2,337,854 | 2,093,032 | 311,405 |
| 66 | Fifth Third Bancorp Cincinnati | 111.6 | 104.0 | 77,416,241 | 69,355,604 | 9,190,775 |
| 67 | FirstBank Corp. Alma, Mich. | 111.4 | 112.6 | 920,072 | 825,814 | 98,921 |
| 68 | Southern Community Financial Corp. Winston-Salem, N.C. | 111.2 | 98.0 | 1,109,442 | 998,180 | 139,049 |
| 69 | M&T Bank Corp. Buffalo | 111.0 | 108.0 | 43,743,822 | 39,418,635 | 6,175,307 |
| Community Bancorp Las Vegas | 111.0 | 101.3 | 1,360,881 | 1,226,537 | 230,250 | |
| 71 | Capital One Financial Corp. McLean, Va. | 110.7 | 129.3 | 94,868,640 | 85,685,150 | 25,186,661 |
| 72 | Liberty Financial Group Inc. Eugene, Ore. | 110.4 | 112.7 | 851,301 | 771,145 | 74,645 |
| First Charter Corp. Charlotte | 110.4 | 103.1 | 3,565,308 | 3,230,346 | 445,828 | |
| First Olathe Bancshares Inc. Overland Park, Kan. | 110.4 | 106.3 | 1,227,940 | 1,112,648 | 88,271 | |
| 75 | Huntington Bancshares Inc. Columbus, Ohio | 110.3 | 108.2 | 27,160,291 | 24,631,484 | 3,064,141 |
| 76 | AmericanWest Bancorp. Spokane | 109.9 | 112.1 | 1,660,123 | 1,510,195 | 282,868 |
| 77 | Cascade Bancorp Bend, Ore. | 109.7 | 107.8 | 1,958,965 | 1,785,660 | 276,901 |
| 78 | Silver State Bancorp Henderson, Nev. | 109.5 | 103.7 | 1,363,646 | 1,245,305 | 118,767 |
| 79 | West Bancorp. Inc. West Des Moines, Iowa | 109.3 | 92.2 | 937,257 | 857,704 | 116,354 |
| 80 | Vineyard National Bancorp Corona, Calif. | 109.1 | 101.7 | 2,032,168 | 1,863,147 | 172,037 |
| 81 | State Bankshares Inc. Fargo, N.D. | 108.8 | 111.7 | 1,522,720 | 1,399,566 | 85,950 |
| 82 | Spirit Bankcorp Inc. Bristow, Okla. | 108.7 | 101.7 | 883,393 | 812,386 | 57,461 |
| Wachovia Corp. Charlotte | 108.7 | 90.1 | 451,921,000 | 415,710,000 | 69,266,000 | |
| 84 | Capitol Bancorp Ltd. Lansing, Mich. | 108.5 | 107.6 | 3,823,129 | 3,523,346 | 387,917 |
| 85 | Mercantile Bank Corp. Grand Rapids, Mich. | 108.4 | 107.9 | 1,776,026 | 1,639,010 | 174,530 |
| 86 | Citizens Financial Group Inc. Providence, R.I. | 108.3 | 100.7 | 109,128,630 | 100,732,482 | 23,242,057 |
| Oak Hill Financial Inc. Jackson, Ohio | 108.3 | 105.7 | 1,037,497 | 958,200 | 94,788 | |
| 88 | Associated Banc-Corp Green Bay, Wis. | 108.2 | 113.3 | 15,229,367 | 14,077,618 | 2,228,911 |
| 89 | Cardinal Financial Corp. McLean, Va. | 108.1 | 101.8 | 1,281,575 | 1,185,833 | 154,838 |
| 90 | Big Sandy Holding Co. Longmont, Colo. | 108.0 | 106.0 | 1,014,053 | 939,163 | 70,057 |
| 91 | ABN Amro North America Holding Co. Chicago | 107.7 | 114.7 | 68,897,129 | 63,974,455 | 6,042,204 |
| 92 | S.Y. Bancorp Inc. Louisville | 107.3 | 102.6 | 1,167,956 | 1,088,411 | 141,888 |
| 93 | First Bancorp Inc. Lebanon, Va. | 107.2 | 103.8 | 772,344 | 720,282 | 66,950 |
| 94 | Harris Financial Corp. Wilmington, Del. | 107.0 | 105.5 | 33,828,666 | 31,604,064 | 4,773,652 |
| 95 | SunTrust Banks Inc. Atlanta | 106.8 | 105.0 | 131,262,654 | 122,890,702 | 17,368,853 |
| 96 | CoBiz Financial Inc. Denver | 106.7 | 103.3 | 1,679,765 | 1,573,684 | 195,687 |
| South Plains Financial Inc. Lubbock, Tex. | 106.7 | 106.9 | 1,276,388 | 1,196,294 | 86,420 | |
| 98 | BancWest Corp. Honolulu | 106.2 | 101.8 | 47,279,955 | 44,507,870 | 7,636,721 |
| 99 | Minnehaha Banshares Inc. Sioux Falls, S.D. | 105.9 | 98.7 | 689,571 | 651,283 | 97,365 |
| 100 | Hometown Community Bancorp Inc. Morton, Ill. | 105.7 | 93.6 | 1,073,525 | 1,015,481 | 88,270 |
| 101 | Fulton Financial Corp. Lancaster, Pa. | 105.6 | 101.7 | 10,899,290 | 10,318,239 | 1,531,660 |
| Bangor Bancorp MHC Maine | 105.6 | NA | 1,590,538 | 1,506,115 | 192,418 | |
| 103 | Cathay General Bancorp Los Angeles | 105.5 | 102.6 | 6,163,510 | 5,842,039 | 916,942 |
| 104 | Horizon Bancorp Michigan City, Ind. | 105.4 | 95.2 | 865,633 | 820,944 | 63,172 |
| Nara Bancorp Inc. Los Angeles | 105.4 | 94.4 | 1,896,124 | 1,798,460 | 202,327 | |
| Lakeside Bancorp Inc. Chicago | 105.4 | 114.5 | 786,227 | 745,749 | 84,155 | |
| PremierWest Bancorp Medford, Ore. | 105.4 | 111.1 | 974,153 | 924,062 | 122,837 | |
| 108 | Enterprise Financial Services Corp. St. Louis | 105.3 | 103.4 | 1,504,351 | 1,428,125 | 163,069 |
| Charles Schwab Corp. San Francisco | 105.3 | 126.9 | 21,339,201 | 20,261,427 | 5,074,357 | |
| BB&T Corp. Winston-Salem, N.C. | 105.3 | 102.3 | 88,541,979 | 84,078,623 | 12,125,337 | |
| 111 | Camden National Corp. Maine | 105.0 | 100.6 | 1,190,102 | 1,132,978 | 107,509 |
| Texas Capital Bancshares Inc. Dallas | 105.0 | 88.3 | 3,268,943 | 3,113,038 | 270,097 | |
| West Coast Bancorp Lake Oswego, Ore. | 105.0 | 97.7 | 2,146,344 | 2,045,153 | 213,863 | |
| Hillcrest Bancshares Inc. Overland Park, Kan. | 105.0 | 109.1 | 1,399,909 | 1,333,847 | 139,936 | |
| 115 | Republic First Bancorp Inc. Philadelphia | 104.8 | 114.9 | 836,598 | 798,195 | 77,469 |
| American National Corp. Omaha | 104.8 | 99.2 | 1,336,548 | 1,275,566 | 139,177 | |
| 117 | Minnwest Corp. Minnetonka, Minn. | 104.7 | 108.8 | 1,180,689 | 1,128,139 | 139,259 |
| 118 | Georgian Bancorp. Inc. Atlanta | 104.6 | 95.7 | 1,608,379 | 1,538,239 | 120,316 |
| 119 | Bremer Financial Corp. St. Paul | 104.5 | 101.2 | 5,137,900 | 4,916,986 | 601,731 |
| 120 | S&T Bancorp Inc. Indiana, Pa. | 104.4 | 105.1 | 2,743,232 | 2,626,702 | 317,707 |
| Alliance Bancshares California Culver City | 104.4 | 97.0 | 837,901 | 802,669 | 57,056 | |
| 122 | BancPlus Corp. Belzoni, Miss. | 104.1 | 102.6 | 1,437,769 | 1,381,118 | 149,927 |
| 123 | TIB Financial Corp. Naples, Fla. | 104.1 | 98.5 | 1,087,265 | 1,044,625 | 100,886 |
| 124 | Community Bankshares Inc. Greenwood Village, Colo. | 104.0 | 101.0 | 1,517,251 | 1,458,704 | 156,339 |
| 125 | Macatawa Bank Corp. Holland, Mich. | 103.8 | 105.2 | 1,726,370 | 1,662,760 | 163,524 |
| Merchants and Manufacturers Bancorp. New Berlin, Wis. | 103.8 | 105.1 | 1,175,374 | 1,132,539 | 93,531 | |
| 127 | NewAlliance Bancshares Inc. New Haven | 103.7 | 93.1 | 4,605,625 | 4,440,834 | 1,423,868 |
| 128 | Total Bancshares Corp. Miami | 103.6 | 103.2 | 998,530 | 964,074 | 84,343 |
| 129 | Integrity Bancshares Inc. Alpharetta, Ga. | 103.5 | 100.5 | 1,027,262 | 992,738 | 66,337 |
| 130 | Citigroup Inc. New York | 103.3 | 104.6 | 797,484,000 | 771,761,000 | 127,754,000 |
| Olney Bancshares of Texas Inc. | 103.3 | 107.4 | 1,046,274 | 1,012,587 | 95,295 | |
| First Merchants Corp. Muncie, Ind. | 103.3 | 102.4 | 2,808,910 | 2,719,601 | 327,380 | |
| 133 | First National Lincoln Corp. Damariscotta, Maine | 103.1 | 105.0 | 877,264 | 851,089 | 110,213 |
| 134 | Synovus Financial Corp. Columbus, Ga. | 102.9 | 103.4 | 25,732,329 | 24,997,888 | 3,925,325 |
| Center Financial Corp. Los Angeles | 102.9 | 91.5 | 1,632,468 | 1,586,418 | 153,013 | |
| SCBT Financial Corp. Columbia, S.C. | 102.9 | 103.2 | 1,834,092 | 1,783,269 | 169,836 | |
| 137 | Leesport Financial Corp. Wyomissing, Pa. | 102.8 | 102.5 | 789,699 | 768,300 | 102,937 |
| Home Federal Bancorp Columbus, Ind. | 102.8 | 97.2 | 720,608 | 701,137 | 67,448 | |
| Hanmi Financial Corp. Los Angeles | 102.8 | 96.3 | 3,055,916 | 2,973,410 | 486,034 | |
| 140 | First Indiana Corp. Indianapolis | 102.7 | 105.1 | 1,713,012 | 1,668,654 | 178,137 |
| 141 | Bancorp Inc. Wilmington, Del. | 102.6 | 94.0 | 1,181,391 | 1,151,087 | 156,924 |
| 142 | Midwest Bankcentre Inc. St. Louis | 102.4 | 90.6 | 623,496 | 608,636 | 99,322 |
| Colonial BancGroup Inc. Montgomery, Ala. | 102.4 | 105.4 | 17,497,399 | 17,084,063 | 2,209,688 | |
| Eastern Virginia Bankshares Inc. Tappahannock | 102.4 | 97.5 | 682,799 | 666,672 | 90,559 | |
| PrivateBancorp Inc. Chicago | 102.4 | 94.8 | 3,726,244 | 3,638,545 | 306,109 | |
| 146 | United Bankshares Inc. Charleston, W.Va. | 102.3 | 101.2 | 4,815,532 | 4,707,003 | 639,165 |
| 147 | Heritage Financial Corp. Olympia, Wash. | 102.2 | 101.7 | 790,193 | 773,074 | 81,570 |
| First Mariner Bancorp Baltimore | 102.2 | 111.0 | 923,600 | 904,143 | 73,439 | |
| Intermountain Community Bancorp Sandpoint, Idaho | 102.2 | 97.2 | 756,597 | 740,639 | 82,317 | |
| 150 | Bank of Choice Holding Co. Greeley, Colo. | 102.1 | 91.5 | 805,437 | 788,621 | 84,366 |
*Among 500 top tier largest bank holding companies that file Y-9C reports with the Federal Reserve. **Includes leases.
Source: SNL Financial, Charlottesville, Va.
© 2007 American Banker