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Banks, thrifts and holding companies

Highest Loan/Deposit Ratios Among Bank Holding Companies

November 25, 2008, 10:08 a.m. EST 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding Companies*On June 30, 2008. Dollars in thousands
Published November 25, 2008
Rank   Loans as % of deposits** Loans* Deposits Equity capital
June 30 Year earlier
1 Barclays Group U.S. Inc. Wilmington, Del. 93,655.1% 6,287,442.8% $31,665,716 $33,811 $3,357,099
2 MetLife Inc. New York 1305.5 1301.4 63,333,780 4,851,209 32,540,628
3 Utrecht-America Holdings Inc. New York 395.3 338.9 16,946,696 4,287,222 214,822
4 Silverton Financial Services Inc. Atlanta 303.4 835.5 1,905,637 628,027 159,750
5 Stifel Financial Corp. St. Louis 300.8 311.1 668,481 222,249 465,071
6 Independent Bankers Financial Corp. Irving, Tex. 269.6 152.8 789,174 292,698 110,042
7 United National Corp. Sioux Falls, S.D. 247.1 217.9 1,099,729 445,098 659,123
8 Taunus Corp. New York 199.9 579.3 37,947,000 18,981,000 1,924,000
9 HSBC North America Holdings Inc. Mettawa, Ill. 165.9 189.7 271,245,780 163,523,923 27,026,011
10 First Horizon National Corp. Memphis 164.2 118.2 24,780,180 15,094,910 2,697,446
11 BBVA PR Holding Corp. San Juan, Puerto Rico 158.8 131.4 4,337,022 2,730,653 536,661
12 Irwin Financial Corp. Columbus, Ind. 155.7 166.9 5,455,048 3,504,801 329,891
13 New York Community Bancorp Inc. Westbury 154.4 135.8 20,930,215 13,555,538 4,289,261
14 Beverly Hills Bancorp Inc. Calabasas, Calif. 147.5 150.4 946,921 642,083 147,442
15 Republic Bancorp Inc. Louisville 144.9 140.4 2,360,130 1,628,953 270,988
16 R&G Financial Corp. Hato Rey, Puerto Rico 139.7 123.8 6,085,305 4,356,917 302,772
17 Marquette Financial Cos. Minneapolis 139.1 124.4 2,257,749 1,623,198 393,497
18 Summit Financial Group Inc. Moorefield, W.Va. 133.1 112.9 1,141,757 857,749 91,466
19 Pacific Continental Corp. Eugene, Ore. 132.8 113.6 898,526 676,453 111,385
20 Commonwealth Bankshares Inc. Norfolk 131.5 137.0 894,972 680,756 115,574
21 CU Bank Shares Inc. Dallas 131.3 88.9 815,872 621,543 103,447
Stearns Financial Services Inc. St. Cloud, Minn. 131.3 121.6 1,066,023 812,124 176,213
23 South Plains Financial Inc. Lubbock 130.7 106.7 1,732,468 1,325,702 117,512
24 Cascade Bancorp Bend, Ore. 130.2 109.7 2,066,091 1,586,674 276,033
25 Harris Financial Corp. Wilmington, Del. 128.6 107.0 38,098,114 29,625,312 5,487,331
26 TCF Financial Corp. Wayzata, Minn. 127.3 117.9 12,976,931 10,194,164 1,088,301
27 Boston Private Financial Holdings Inc. 125.6 117.7 5,609,617 4,466,006 641,555
U.S. Bancorp Minneapolis 125.6 125.5 169,678,000 135,131,000 21,828,000
29 Doral GP Ltd. San Juan, Puerto Rico 125.4 NA 5,430,452 4,330,728 3
30 Peoplesbancorp MHC Holyoke, Mass. 125.2 114.2 1,084,972 866,481 119,628
Wells Fargo & Co. San Francisco 125.2 116.0 425,151,000 339,597,000 47,964,000
32 Big Sandy Holding Co. Longmont, Colo. 124.2 108.0 1,240,442 998,468 72,969
Independent Bank Corp. Ionia, Mich. 124.2 90.5 2,592,478 2,087,796 238,346
34 BTC Financial Corp. Des Moines 123.4 118.2 1,859,095 1,506,418 140,745
35 Pacific Capital Bancorp Santa Barbara, Calif. 122.7 113.8 5,692,052 4,639,199 708,670
36 Marshall & Ilsley Corp. Milwaukee 122.5 123.7 50,232,520 41,023,214 6,514,230
37 Hills Bancorp. Iowa 122.4 116.7 1,430,290 1,168,375 154,256
First Independent Investment Group Inc. Vancouver, Wash. 122.4 87.4 826,519 675,499 155,434
39 PacWest Bancorp San Diego 122.3 115.9 3,908,693 3,196,351 374,744
40 Glacier Bancorp Inc. Kalispell, Mont. 122.2 100.9 3,820,952 3,125,924 549,643
QCR Holdings Inc. Moline, Ill. 122.2 118.4 1,199,680 982,091 86,547
Comerica Inc. Dallas 122.2 112.5 51,850,248 42,446,994 5,081,795
43 Smithtown Bancorp Inc. Hauppauge, N.Y. 121.7 97.5 1,353,947 1,112,717 85,739
44 Associated Banc-Corp Green Bay, Wis. 121.1 108.2 16,201,385 13,378,734 2,353,882
45 Affinity Bank Holdings Inc. Ventura, Calif. 121.0 114.6 933,413 771,192 43,573
46 KeyCorp Cleveland 120.5 117.2 77,688,208 64,453,875 8,706,039
47 CNLBancshares Inc. Orlando 120.2 118.6 1,313,411 1,093,155 165,423
48 Cascade Financial Corp. Everett, Wash. 120.1 112.9 1,191,411 992,355 125,648
49 Mercantile Bank Corp. Grand Rapids 119.2 108.4 1,840,793 1,544,704 167,714
50 Ida Grove Bancshares Inc. Iowa 119.0 123.6 904,130 759,719 76,959
51 Imperial Capital Bancorp Inc. La Jolla, Calif. 118.8 143.8 2,980,697 2,508,878 225,915
52 CoBiz Financial Inc. Denver 118.7 106.7 1,961,177 1,651,933 192,492
53 Cooperative Bankshares Inc. Wilmington, N.C. 118.5 115.1 868,246 732,785 63,607
54 Sterling Financial Corp. Spokane 118.2 113.7 9,462,543 8,006,246 1,178,184
55 Rockville Financial MHC Inc. Vernon, Conn. 118.1 113.5 1,201,924 1,017,420 87,523
56 Bank of Florida Corp. Naples 117.7 114.0 1,191,733 1,012,408 197,492
Fulton Financial Corp. Lancaster, Pa. 117.7 105.6 11,693,846 9,938,194 1,593,478
58 Investors Bancorp MHC Short Hills, N.J. 117.5 97.7 4,693,595 3,993,272 492,573
59 FBOP Corp. Oak Park, Ill. 117.4 87.4 13,374,140 11,393,100 1,309,913
60 M&T Bank Corp. Buffalo 117.2 111.0 49,114,616 41,925,690 6,519,056
61 First Regional Bancorp Century City, Calif. 116.7 116.4 2,340,757 2,005,417 159,286
62 National City Corp. Cleveland 116.5 123.3 117,910,911 101,224,362 17,981,063
63 Macon Bancorp Franklin, N.C. 116.4 114.2 810,018 695,810 83,618
64 BancWest Corp. Honolulu 116.1 106.2 53,300,035 45,926,186 7,781,761
65 East West Bancorp Inc. Pasadena, Calif. 116.0 112.2 8,737,433 7,532,047 1,272,200
66 Horizon Financial Corp. Bellingham, Wash. 115.5 111.8 1,267,054 1,096,886 127,430
Frontier Financial Corp. Everett, Wash. 115.5 112.7 3,807,278 3,296,370 462,212
68 State Bankshares Inc. Fargo, N.D. 115.2 108.8 1,728,351 1,500,808 116,559
69 Dearborn Bancorp Inc. Mich. 114.7 113.9 944,587 823,922 132,371
70 Reliance Bancshares Inc. Frontenac, Mo. 114.6 97.4 1,114,891 972,574 136,010
71 Citizens Financial Group Inc. Providence, R.I. 114.4 108.3 111,630,016 97,618,769 22,526,062
72 Lakeside Bancorp Inc. Chicago 114.3 105.4 889,500 778,338 92,506
73 Eagle Bancorp Inc. Bethesda, Md. 114.1 101.8 796,586 698,446 84,213
74 Wilshire Bancorp Inc. Los Angeles 114.0 94.5 1,986,601 1,742,127 181,686
75 NewAlliance Bancshares Inc. New Haven 113.9 103.7 4,952,826 4,348,500 1,407,110
Beacon Bancorp Taunton, Mass. 113.9 112.9 870,714 764,754 165,518
77 Santander BanCorp San Juan, Puerto Rico 113.7 132.7 6,805,955 5,984,866 561,086
78 Plains Capital Corp. Dallas 113.5 96.1 2,843,276 2,504,273 246,643
Bryn Mawr Bank Corp. Pa. 113.5 102.4 855,659 753,822 94,035
Bank of America Corp. Charlotte 113.5 112.6 891,941,544 785,927,097 162,690,664
81 Firstbank Corp. Alma, Mich. 113.4 111.4 1,153,133 1,016,664 118,120
Crescent Financial Corp. Cary, N.C. 113.4 98.5 742,855 654,948 94,064
83 First Bancorp Inc. Damariscotta, Maine 113.3 103.1 954,067 842,119 114,758
84 Hanmi Financial Corp. Los Angeles 113.2 102.8 3,352,879 2,961,626 261,505
85 Community Bancorp Las Vegas 113.0 111.0 1,502,011 1,329,223 233,833
West Bancorp. Inc. West Des Moines, Iowa 113.0 109.3 1,060,059 938,471 117,833
87 Lauritzen Corp. Omaha 112.9 92.7 712,184 630,737 483,789
88 Minnehaha Banshares Inc. Sioux Falls, S.D. 112.5 105.9 797,573 708,779 104,432
89 Texas Capital Bancshares Inc. Dallas 112.3 105.0 4,033,751 3,593,141 314,916
90 Zions Bancorp. Salt Lake City 111.4 101.7 41,909,130 37,611,603 5,273,530
Vist Financial Corp. Wyomissing, Pa. 111.4 102.8 868,486 779,440 103,664
Fifth Third Bancorp Cincinnati 111.4 111.6 86,411,916 77,580,846 10,753,743
93 S&T Bancorp Inc. Indiana, Pa. 111.3 104.4 3,467,663 3,114,559 438,499
94 Wachovia Corp. Charlotte 111.2 108.7 500,363,000 449,989,000 75,127,000
Orrstown Financial Services Inc. Shippensburg, Pa. 111.2 99.9 752,697 677,135 99,691
96 Liberty Financial Group Inc. Eugene, Ore. 111.1 110.4 864,762 778,222 78,041
97 Indiana Community Bancorp Columbus 111.0 102.8 783,040 705,508 67,403
98 Enterprise Financial Services Corp. St. Louis 110.9 105.3 1,851,081 1,669,748 182,901
Encore Bancshares Inc. Houston 110.9 98.6 1,169,151 1,054,743 160,212
100 AmericanWest Bancorp. Spokane 110.7 109.9 1,780,220 1,608,828 243,789
101 Inland Bancorp Inc. Oak Brook, Ill. 110.5 92.9 880,332 796,686 131,671
Community Bankshares Inc. Greenwood Village, Colo. 110.5 104.0 1,746,444 1,581,118 159,313
103 Southwest Bancorp Inc. Stillwater, Okla. 110.4 100.8 2,441,101 2,211,254 224,949
Citizens Republic Bancorp Inc. Flint, Mich. 110.4 115.1 9,560,559 8,662,602 1,545,686
105 Regions Financial Corp. Birmingham, Ala. 110.3 100.9 99,188,580 89,911,064 19,708,494
Nara Bancorp Inc. Los Angeles 110.3 105.4 2,126,806 1,928,579 227,680
107 Cardinal Financial Corp. McLean, Va. 110.2 108.1 1,226,831 1,113,593 159,602
108 SCBT Financial Corp. Columbia, S.C. 110.1 102.9 2,265,368 2,056,846 221,463
W.T.B. Financial Corp. Spokane 110.1 98.9 3,120,402 2,833,745 335,797
First Chicago Bancorp Itasca, Ill. 110.1 97.5 993,372 902,478 151,441
Capitol Bancorp Ltd. Lansing, Mich. 110.1 108.5 4,575,836 4,157,634 385,965
Macatawa Bank Corp. Holland, Mich. 110.1 103.8 1,766,771 1,605,225 160,826
113 Montgomery Bancorp. Inc. Sikeston, Mo. 110.0 98.7 756,799 688,305 46,699
114 First Bancorp Inc. Lebanon, Va. 109.8 107.2 839,878 764,954 77,113
115 SunTrust Banks Inc. Atlanta 109.6 106.8 131,085,696 119,579,163 17,907,152
116 CVB Financial Corp. Ontario, Calif. 109.5 94.4 3,518,793 3,213,633 434,193
117 Center Financial Corp. Los Angeles 109.4 102.9 1,815,290 1,659,078 163,179
118 Nexity Financial Corp. Birmingham, Ala. 109.0 90.8 728,988 668,635 62,176
Assabet Valley Bancorp Hudson, Mass. 109.0 113.6 715,103 655,861 75,041
Camco Financial Corp. Cambridge, Ohio 109.0 122.9 800,331 734,102 85,885
121 Bancorp Inc. Wilmington, Del. 108.6 102.6 1,427,578 1,314,367 172,663
Republic First Bancorp Inc. Philadelphia 108.6 104.8 790,875 728,599 78,399
123 Cathay General Bancorp Los Angeles 108.5 105.5 7,317,559 6,742,043 994,689
BB&T Corp. Winston-Salem, N.C. 108.5 105.3 95,715,075 88,253,741 12,800,437
125 Huntington Bancshares Inc. Columbus, Ohio 108.4 110.3 41,395,474 38,190,979 6,381,266
Bremer Financial Corp. St. Paul 108.4 104.5 5,530,987 5,102,953 649,530
First Olathe Bancshares Inc. Overland Park, Kan. 108.4 110.4 1,383,431 1,276,578 94,287
Camden National Corp. Maine 108.4 105.0 1,526,958 1,409,230 172,145
129 Gateway Financial Holdings Inc. Virginia Beach 108.3 96.0 1,752,639 1,618,541 163,684
Hawthorn Bancshares Inc. Lee’s Summit, Mo. 108.3 91.3 970,661 896,659 110,986
131 Minnwest Corp. Minnetonka, Minn. 108.2 104.7 1,357,158 1,253,868 152,965
132 Summit Bancorp Inc. Arkadelphia, Ark. 108.1 97.3 773,444 715,192 83,105
Valley National Bancorp Wayne, N.J. 108.1 98.3 9,048,257 8,372,403 951,331
134 Temecula Valley Bancorp Inc. Calif. 108.0 100.2 1,326,574 1,228,923 105,296
135 First Chester County Corp. West Chester, Pa. 107.8 90.7 786,548 729,346 68,641
UnionBanCal Corp. San Francisco 107.8 89.7 46,041,358 42,710,601 4,708,790
137 Johnson Financial Group Inc. Racine, Wis. 107.7 96.6 4,246,440 3,943,805 344,884
138 First Financial Service Corp. Elizabethtown, Ky. 107.6 106.8 844,542 785,085 75,692
BNC Bancorp Thomasville, N.C. 107.6 97.6 999,653 929,483 86,145
140 Wilmington Trust Corp. Del. 107.5 101.3 9,322,215 8,671,764 1,066,416
First Bancorp Troy, N.C. 107.5 100.3 2,170,126 2,019,365 216,677
Fremont Bancorp. Calif. 107.5 117.6 1,714,188 1,595,409 106,856
143 FNB United Corp. Asheboro, N.C. 107.3 95.5 1,594,817 1,486,134 214,882
144 Horizon Bancorp Michigan City, Ind. 107.1 105.4 848,446 792,256 73,613
145 Intermountain Community Bancorp Sandpoint, Idaho 107.0 102.2 796,288 743,913 90,548
146 United Bankshares Inc. Charleston, W.Va. 106.9 102.3 5,850,183 5,472,991 772,864
Midwest Banc Holdings Inc. Melrose Park, Ill. 106.9 96.5 2,501,082 2,340,043 370,698
Central Bancorp Inc. Garland, Tex. 106.9 NA 726,744 680,115 60,115
149 Central Pacific Financial Corp. Honolulu 106.8 101.7 4,186,491 3,920,630 507,103
150 Premier Bancshares Inc. Jefferson City, Mo. 106.7 100.9 1,332,534 1,248,884 87,630


*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

Banks, thrifts and holding companies