Highest Loan/Deposit Ratios Among Bank Holding Companies
Published September 03, 2008, 10:08 a.m. EDT
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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 March 31, 2008. Dollars in thousands | ||||||
|---|---|---|---|---|---|---|
| Related Table: Select Ratios and Fastest Percentage Growth | ||||||
| Rank | | | | Equity capital | ||
| March 31 | | |||||
| 1 | MetLife Inc. New York | 1300.5% | 1252.0% | $62,064,212 | $4,772,419 | $32,997,957 |
| 2 | Silverton Financial Services Inc. Atlanta | 744.7 | 730.5 | 1,750,157 | 235,029 | 161,105 |
| 3 | Utrecht-America Holdings Inc. New York | 352.9 | 797.3 | 15,773,011 | 4,469,813 | -1,220,621 |
| 4 | Taunus Corp. New York | 290.9 | 583.7 | 39,556,000 | 13,597,000 | 2,979,000 |
| 5 | Stifel Financial Corp. St. Louis | 268.6 | NA | 616,910 | 229,660 | 437,038 |
| 6 | United National Corp. Sioux Falls, S.D. | 228.7 | 200.2 | 1,061,177 | 463,958 | 737,668 |
| 7 | Independent Bankers Financial Corp. Irving, Tex. | 208.9 | 166.9 | 742,304 | 355,383 | 109,020 |
| 8 | HSBC North America Holdings Inc. Mettawa, Ill. | 168.1 | 193.9 | 282,564,539 | 168,111,469 | 28,285,420 |
| 9 | Irwin Financial Corp. Columbus, Ind. | 164.3 | 158.4 | 5,586,285 | 3,399,170 | 436,006 |
| 10 | First Horizon National Corp. Memphis | 159.1 | 112.0 | 25,756,949 | 16,186,319 | 2,112,227 |
| 11 | Franklin Resources Inc. San Mateo, Calif. | 154.8 | 148.0 | 841,504 | 543,656 | 6,984,109 |
| 12 | Beverly Hills Bancorp Inc. Calabasas, Calif. | 153.2 | 141.3 | 987,664 | 644,619 | 149,455 |
| 13 | BBVAPR Holding Corp. San Juan, Puerto Rico | 150.9 | 133.5 | 4,335,662 | 2,873,870 | 527,933 |
| 14 | Imperial Capital Bancorp Inc. La Jolla, Calif. | 150.0 | 143.8 | 3,121,334 | 2,080,651 | 226,510 |
| 15 | New York Community Bancorp Inc. Westbury | 149.2 | 152.4 | 20,510,429 | 13,748,600 | 4,158,173 |
| 16 | R and G Financial Corp. Hato Rey, Puerto Rico | 138.3 | 124.2 | 5,910,004 | 4,274,457 | 330,411 |
| 17 | Pacific Continental Corp. Eugene, Ore. | 134.9 | 123.4 | 866,507 | 642,418 | 109,729 |
| 18 | Republic Bancorp Inc. Louisville | 131.4 | 125.9 | 2,371,476 | 1,805,460 | 260,541 |
| 19 | Summit Financial Group Inc. Moorefield, W.Va. | 130.1 | 107.3 | 1,088,999 | 836,944 | 91,955 |
| 20 | Doral GP Ltd. San Juan, Puerto Rico | 129.5 | NA | 5,345,495 | 4,128,535 | 3 |
| 21 | First Regional Bancorp Century City, Calif. | 129.4 | 116.2 | 2,214,733 | 1,711,000 | 177,800 |
| 22 | Affinity Bank Holdings Inc. Ventura, Calif. | 129.1 | 112.1 | 890,576 | 689,864 | 49,269 |
| 23 | Santander BanCorp San Juan, Puerto Rico | 127.5 | 136.3 | 7,087,186 | 5,558,780 | 566,849 |
| 24 | Marshall & Ilsley Corp. Milwaukee | 127.4 | 129.5 | 49,300,239 | 38,695,401 | 6,974,156 |
| 25 | Harris Financial Corp. Wilmington, Del. | 123.4 | 110.9 | 37,706,543 | 30,556,793 | 5,488,245 |
| 26 | Boston Private Financial Holdings Inc. | 123.3 | 108.9 | 5,390,015 | 4,372,864 | 668,020 |
| 27 | Dearborn Bancorp Inc. Mich. | 123.2 | 110.7 | 947,959 | 769,217 | 137,297 |
| TCF Financial Corp. Wayzata, Minn. | 123.2 | 116.3 | 12,826,194 | 10,414,392 | 1,129,870 | |
| 29 | Cascade Bancorp Bend, Ore. | 122.7 | 107.7 | 2,038,145 | 1,661,307 | 279,008 |
| 30 | National City Corp. Cleveland | 122.3 | 124.4 | 120,403,645 | 98,460,313 | 13,223,171 |
| BTC Financial Corp. Des Moines, Iowa | 122.3 | 120.8 | 1,804,715 | 1,475,765 | 146,370 | |
| 32 | Macon Bancorp Franklin, N.C. | 121.7 | 114.9 | 822,507 | 675,631 | 82,998 |
| 33 | Stearns Financial Services Inc. St. Cloud, Minn. | 121.0 | 114.2 | 1,140,047 | 941,919 | 176,855 |
| 34 | Cascade Financial Corp. Everett, Wash. | 120.7 | 116.6 | 1,149,368 | 952,437 | 123,710 |
| 35 | KeyCorp Cleveland | 120.5 | 116.3 | 78,117,428 | 64,834,885 | 8,591,866 |
| 36 | Peoplesbancorp MHC Holyoke, Mass. | 120.3 | 113.6 | 1,057,419 | 878,816 | 121,945 |
| 37 | Big Sandy Holding Co. Longmont, Colo. | 120.0 | 99.9 | 1,190,431 | 992,207 | 72,829 |
| 38 | South Plains Financial Inc. Lubbock, Tex. | 119.8 | 110.6 | 1,515,617 | 1,265,421 | 92,714 |
| 39 | Minnehaha Banshares Inc. Sioux Falls, S.D. | 119.6 | 103.8 | 764,135 | 638,741 | 107,302 |
| 40 | PacWest Bancorp San Diego | 119.5 | 107.3 | 3,967,723 | 3,321,591 | 858,313 |
| 41 | Sterling Financial Corp. Spokane | 119.1 | 112.3 | 9,373,671 | 7,868,823 | 1,191,386 |
| 42 | M&T Bank Corp. Buffalo | 118.7 | 111.7 | 49,278,881 | 41,533,010 | 6,487,962 |
| 43 | Texas Capital Bancshares Inc. Dallas | 118.3 | 100.6 | 3,734,143 | 3,156,288 | 312,017 |
| U.S. Bancorp Minneapolis | 118.3 | 126.1 | 163,541,000 | 138,270,000 | 21,572,000 | |
| 45 | Frontier Financial Corp. Everett, Wash. | 117.5 | 117.5 | 3,716,950 | 3,163,193 | 467,929 |
| Hills Bancorp. Hills, Iowa | 117.5 | 112.4 | 1,399,020 | 1,191,118 | 155,777 | |
| 47 | Spirit Bankcorp Inc. Bristow, Okla. | 117.3 | 102.3 | 1,030,306 | 878,294 | 62,125 |
| 48 | Bank of Florida Corp. Naples | 117.1 | 115.7 | 1,174,472 | 1,003,042 | 200,540 |
| 49 | East West Bancorp Inc. Pasadena, Calif. | 117.0 | 109.5 | 8,844,479 | 7,561,342 | 1,103,784 |
| 50 | Horizon Financial Corp. Bellingham, Wash. | 116.8 | 110.2 | 1,213,236 | 1,038,984 | 128,317 |
| 51 | Nexity Financial Corp. Birmingham, Ala. | 116.7 | 92.6 | 654,916 | 561,135 | 70,316 |
| 52 | Fifth Third Bancorp Cincinnati | 116.6 | 109.9 | 83,457,935 | 71,559,828 | 9,351,751 |
| Glacier Bancorp Inc. Kalispell, Mont. | 116.6 | 100.3 | 3,681,866 | 3,158,940 | 542,948 | |
| 54 | Cooperative Bankshares Inc. Wilmington, N.C. | 116.3 | 115.7 | 848,346 | 729,293 | 64,842 |
| 55 | Wells Fargo & Co. San Francisco | 116.2 | 114.8 | 416,854,000 | 358,715,000 | 48,159,000 |
| QCR Holdings Inc. Moline, Ill. | 116.2 | 112.9 | 1,151,070 | 990,865 | 88,282 | |
| 57 | Middleburg Financial Corp. Va. | 115.7 | 105.1 | 690,564 | 596,632 | 77,122 |
| Vineyard National Bancorp Corona, Calif. | 115.7 | 112.8 | 2,081,585 | 1,799,657 | 96,241 | |
| First Independent Investment Vancouver, Wash. | 115.7 | 90.3 | 769,256 | 665,036 | 159,922 | |
| 60 | Smithtown Bancorp Inc. Hauppauge, N.Y. | 115.4 | 93.3 | 1,124,033 | 973,730 | 82,965 |
| Mercantile Bank Corp. Grand Rapids, Mich. | 115.4 | 103.7 | 1,794,310 | 1,554,750 | 174,295 | |
| Lakeside Bancorp Inc. Chicago | 115.4 | 107.7 | 847,115 | 734,395 | 91,881 | |
| 63 | Ida Grove Bancshares Inc. Iowa | 115.2 | 123.2 | 880,656 | 764,170 | 76,704 |
| 64 | Liberty Financial Group Inc. Eugene, Ore. | 115.0 | 112.1 | 883,139 | 767,904 | 79,211 |
| 65 | Pacific Capital Bancorp Santa Barbara, Calif. | 114.7 | 115.1 | 5,547,463 | 4,835,204 | 733,561 |
| 66 | Associated Banc-Corp Green Bay, Wis. | 114.6 | 106.9 | 15,908,935 | 13,882,174 | 2,382,418 |
| 67 | CNLBancshares Inc. Orlando | 114.5 | 106.4 | 1,220,544 | 1,065,820 | 164,788 |
| 68 | Fulton Financial Corp. Lancaster, Pa. | 114.3 | 104.1 | 11,483,797 | 10,048,928 | 1,611,720 |
| Rockville Financial MHC Inc. Vernon Rockville, Conn. | 114.3 | 114.9 | 1,144,734 | 1,001,726 | 88,531 | |
| 70 | Plains Capital Corp. Dallas | 114.2 | 94.6 | 2,827,981 | 2,476,596 | 241,248 |
| Citizens Financial Group Inc. Providence, R.I. | 114.2 | 107.2 | 111,133,549 | 97,360,417 | 22,081,560 | |
| 72 | West Bancorp. Inc. West Des Moines, Iowa | 114.0 | 102.5 | 1,007,421 | 883,854 | 119,340 |
| 73 | Independent Bank Corp. Ionia, Mich. | 113.9 | 86.6 | 2,572,430 | 2,258,124 | 238,624 |
| 74 | Citizens Republic Bancorp Inc. Flint, Mich. | 113.8 | 109.7 | 9,654,328 | 8,487,641 | 1,577,030 |
| 75 | Capitol Bancorp Ltd. Lansing, Mich. | 113.7 | 107.6 | 4,484,849 | 3,945,754 | 387,433 |
| 76 | Bank of America Corp. Charlotte | 113.3 | 109.3 | 904,657,989 | 798,176,543 | 156,309,060 |
| First Bancorp Inc. Damariscotta, Maine | 113.3 | 102.7 | 936,095 | 826,476 | 113,611 | |
| 78 | Central Pacific Financial Corp. Honolulu | 113.1 | 102.6 | 4,274,339 | 3,780,021 | 674,663 |
| Capital One Financial Corp. McLean, Va. | 113.1 | 109.6 | 99,143,629 | 87,694,990 | 24,619,527 | |
| 80 | Green Bankshares Inc. Greeneville, Tenn. | 112.9 | 114.8 | 2,338,329 | 2,070,466 | 330,165 |
| S.Y. Bancorp Inc. Louisville | 112.9 | 103.6 | 1,296,518 | 1,148,300 | 131,547 | |
| Beacon Bancorp Taunton, Mass. | 112.9 | 110.9 | 845,434 | 748,736 | 168,766 | |
| 83 | Marquette Financial Cos. Minneapolis | 112.6 | 117.1 | 2,204,705 | 1,957,396 | 400,466 |
| 84 | SunTrust Banks Inc. Atlanta | 112.5 | 106.1 | 130,690,484 | 116,179,280 | 18,431,448 |
| 85 | Macatawa Bank Corp. Holland, Mich. | 112.4 | 105.1 | 1,766,718 | 1,571,191 | 162,986 |
| 86 | Nara Bancorp Inc. Los Angeles | 112.3 | 100.4 | 2,081,422 | 1,854,349 | 227,393 |
| 87 | State Bankshares Inc. Fargo, N.D. | 112.2 | 111.0 | 1,647,388 | 1,467,948 | 112,612 |
| Southwest Bancorp Inc. Stillwater, Okla. | 112.2 | 98.2 | 2,350,278 | 2,095,660 | 224,155 | |
| 89 | AmericanWest Bancorp. Spokane | 112.1 | 107.4 | 1,773,851 | 1,582,034 | 250,840 |
| 90 | Comerica Inc. Dallas | 112.0 | 109.8 | 52,566,267 | 46,921,458 | 5,256,839 |
| 91 | FirstBank Corp. Alma, Mich. | 111.5 | 109.5 | 1,129,408 | 1,013,234 | 119,767 |
| 92 | Center Financial Corp. Los Angeles | 111.3 | 110.6 | 1,870,875 | 1,680,297 | 160,528 |
| Assabet Valley Bancorp Hudson, Mass. | 111.3 | 112.4 | 714,206 | 641,461 | 76,479 | |
| 94 | NewAlliance Bancshares Inc. New Haven | 111.1 | 100.7 | 4,766,244 | 4,289,592 | 1,414,849 |
| Eagle Bancorp Inc. Bethesda, Md. | 111.1 | 101.2 | 761,492 | 685,748 | 83,537 | |
| 96 | Wachovia Corp. Charlotte | 111.0 | 107.7 | 495,404,000 | 446,173,000 | 77,992,000 |
| Community Bancorp Las Vegas | 111.0 | 100.8 | 1,463,703 | 1,318,797 | 238,904 | |
| 98 | Reliance Bancshares Inc. Frontenac, Mo. | 110.4 | 89.3 | 993,430 | 900,260 | 141,383 |
| 99 | First Olathe Bancshares Inc. Overland Park, Kan. | 110.1 | 109.2 | 1,335,259 | 1,212,826 | 95,138 |
| 100 | Cathay General Bancorp Los Angeles | 109.9 | 102.8 | 6,908,829 | 6,288,504 | 1,004,456 |
| 101 | BancWest Corp. Honolulu | 109.8 | 106.4 | 51,303,040 | 46,719,102 | 7,838,037 |
| 102 | VIST Financial Corp. Wyomissing, Pa. | 109.7 | 105.6 | 831,742 | 757,958 | 107,849 |
| 103 | Camco Financial Corp. Cambridge, Ohio | 109.6 | 121.3 | 805,514 | 735,016 | 86,463 |
| 104 | S&T Bancorp Inc. Indiana, Pa. | 109.4 | 106.1 | 2,850,866 | 2,605,187 | 349,073 |
| 105 | Silver State Bancorp Henderson, Nev. | 109.3 | 106.9 | 1,718,523 | 1,572,082 | 142,095 |
| 106 | Camden National Corp. Maine | 109.1 | 100.9 | 1,518,158 | 1,391,022 | 172,140 |
| Hanmi Financial Corp. Los Angeles | 109.1 | 97.8 | 3,304,038 | 3,027,785 | 370,364 | |
| Regions Financial Corp. Birmingham, Ala. | 109.1 | 100.2 | 97,318,074 | 89,196,064 | 20,021,921 | |
| 109 | Huntington Bancshares Inc. Columbus, Ohio | 109.0 | 107.8 | 41,628,761 | 38,181,066 | 5,906,579 |
| 110 | Wilmington Trust Corp. Del. | 108.9 | 99.5 | 8,837,114 | 8,113,995 | 1,143,520 |
| South Financial Group Inc. Greenville, S.C. | 108.9 | 99.8 | 10,291,772 | 9,453,374 | 1,378,322 | |
| 112 | Wilshire Bancorp Inc. Los Angeles | 108.8 | 92.9 | 1,883,500 | 1,730,507 | 177,536 |
| Enterprise Financial Services Corp St. Louis | 108.8 | 103.5 | 1,729,878 | 1,590,709 | 178,237 | |
| 114 | Bar Harbor Bankshares Maine | 108.7 | 109.0 | 607,165 | 558,419 | 65,827 |
| 115 | Bancorp Inc. Wilmington, Del. | 108.6 | 89.8 | 1,362,653 | 1,254,769 | 180,188 |
| 116 | Southern Community Financial Corp. Winston-Salem, N.C. | 108.5 | 100.6 | 1,240,062 | 1,142,734 | 144,350 |
| Bryn Mawr Bank Corp. Pa. | 108.5 | 105.2 | 821,261 | 756,954 | 93,237 | |
| 118 | Savannah Bancorp Inc. Ga. | 108.3 | 102.8 | 835,527 | 771,263 | 78,885 |
| 119 | First Chicago Bancorp Itasca, Ill. | 108.2 | 102.5 | 906,339 | 837,584 | 151,141 |
| 120 | Orrstown Financial Services Inc. Shippensburg, Pa. | 108.1 | 98.9 | 721,234 | 667,104 | 98,113 |
| 121 | SCBT Financial Corp. Columbia, S.C. | 107.8 | 105.9 | 2,173,000 | 2,016,229 | 220,030 |
| 122 | Summit Bancorp Inc. Arkadelphia, Ark. | 107.6 | 99.9 | 742,520 | 690,121 | 80,829 |
| 123 | BB&T Corp. Winston-Salem, N.C. | 107.4 | 106.9 | 93,950,544 | 87,481,057 | 12,841,889 |
| 124 | Fremont Bancorp. Calif. | 107.3 | 112.6 | 1,648,452 | 1,536,421 | 112,980 |
| 125 | United Bankshares Inc. Charleston, W.Va. | 107.2 | 99.5 | 5,807,263 | 5,419,520 | 771,153 |
| 126 | First California Financial Group Inc. Los Angeles | 106.7 | 97.1 | 778,346 | 729,819 | 138,256 |
| 127 | Hillcrest Bancshares Inc. Overland Park, Kan. | 106.6 | 93.9 | 1,654,275 | 1,551,663 | 153,341 |
| West Coast Bancorp Lake Oswego, Ore. | 106.6 | 99.7 | 2,197,648 | 2,061,847 | 207,937 | |
| 129 | Zions Bancorp. Salt Lake City | 106.4 | 99.0 | 39,943,031 | 37,541,303 | 5,327,801 |
| Republic First Bancorp Inc. Philadelphia | 106.4 | 102.3 | 797,501 | 749,546 | 77,677 | |
| Synovus Financial Corp. Columbus, Ga. | 106.4 | 102.3 | 27,301,377 | 25,663,187 | 3,530,802 | |
| 132 | Indiana Community Bancorp Columbus | 106.3 | 99.8 | 758,966 | 713,781 | 68,515 |
| 133 | Porter Bancorp Inc. Louisville | 106.2 | 103.3 | 1,314,075 | 1,236,851 | 124,745 |
| FBOP Corp. Oak Park, Ill. | 106.2 | 87.2 | 12,061,192 | 11,360,196 | 1,313,518 | |
| 135 | Temecula Valley Bancorp Inc. Calif. | 106.1 | 102.4 | 1,270,210 | 1,197,392 | 107,796 |
| 136 | Alliance Bancshares California Culver City, Calif. | 105.8 | 97.2 | 937,084 | 885,427 | 57,183 |
| 137 | Bangor Bancorp MHC Maine | 105.7 | NA | 1,688,276 | 1,597,254 | 215,993 |
| BNC Bancorp Thomasville, N.C. | 105.7 | 99.3 | 983,933 | 930,997 | 86,777 | |
| Union Bankshares Corp. Bowling Green, Va. | 105.7 | 97.3 | 1,832,113 | 1,733,611 | 214,461 | |
| 140 | CoBiz Financial Inc. Denver | 105.3 | 105.5 | 1,875,284 | 1,781,407 | 192,114 |
| Minnwest Corp. Minnetonka, Minn. | 105.3 | 105.8 | 1,260,120 | 1,196,999 | 150,535 | |
| 142 | Fidelity Southern Corp. Atlanta | 105.2 | 97.7 | 1,475,816 | 1,402,493 | 101,097 |
| Gateway Financial Holdings Inc. Virginia Beach | 105.2 | 111.1 | 1,636,026 | 1,554,997 | 165,620 | |
| 144 | First Banking Center Inc. Burlington, Wis. | 105.1 | 100.2 | 712,090 | 677,248 | 66,501 |
| 145 | Stark Bank Group Ltd. Fort Dodge, Iowa | 105.0 | 100.5 | 1,263,766 | 1,203,490 | 123,945 |
| 146 | Cardinal Financial Corp. McLean, Va. | 104.9 | 96.2 | 1,195,453 | 1,139,922 | 162,783 |
| 147 | Investors Bancorp MHC Short Hills, N.J. | 104.8 | 94.5 | 4,094,481 | 3,908,170 | 478,424 |
| FNB United Corp. Asheboro, N.C. | 104.8 | 91.4 | 1,556,240 | 1,485,649 | 216,839 | |
| 149 | Pacific Mercantile Bancorp Costa Mesa, Calif. | 104.7 | 99.2 | 794,071 | 758,191 | 96,820 |
| 150 | Intermountain Community Bancorp Sandpoint, Idaho | 104.7 | 97.1 | 763,375 | 729,346 | 91,705 |
*Among 500 top tier largest bank holding companies that file Y-9C reports with the Federal Reserve.
**Includes leases.
Source: SNL Financial, Charlottesville, Va.
© 2008 American Banker