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Highest Loan/Deposit Ratios Among Bank Holding Companies

March 04, 2009, 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 Sept. 30, 2008. Dollars in thousands
Published March 4, 2009
Rank   Loans as % of deposits** Loans** Deposits Equity capital
Sept. 30 Year earlier
1 Barclays Group US Inc. Wilmington, Del. 51679.2% NA $32,395,599 $62,686 $7,932,200
2 MetLife Inc. New York 1,131.7 1297.3% 64,028,963 5,657,951 27,833,702
3 Utrecht-America Holdings Inc. New York 328.8 337.4 14,158,577 4,306,234 173,557
4 Independent Bankers Financial Corp. Irving, Tex. 322.1 147.7 855,223 265,521 115,620
5 Taunus Corp. New York 268.6 502.2 39,292,000 14,628,000 143,000
6 Stifel Financial Corp. St. Louis 254.5 367.5 664,326 261,018 565,388
7 Cass Information Systems Inc. Bridgeton, Mo. 233.7 190.5 575,119 246,101 107,429
8 United National Corp. Sioux Falls, S.D. 229.0 234.4 1,139,392 497,551 678,307
9 Silverton Financial Services Inc. Atlanta 168.4 1139.5 2,118,814 1,258,594 140,095
10 First Horizon National Corp. Memphis 162.0 136.5 22,320,675 13,779,072 2,577,641
11 HSBC North America Holdings Inc. Mettawa, Ill. 155.4 185.0 262,452,153 168,858,211 29,151,964
12 New York Community Bancorp Inc. Westbury 148.9 138.1 21,512,349 14,450,805 4,263,231
13 Irwin Financial Corp. Columbus, Ind. 148.3 162.2 4,695,149 3,165,868 273,549
14 CU Bank Shares Inc. Dallas 143.8 89.8 807,223 561,461 78,393
15 R&G Financial Corp. Hato Rey, Puerto Rico 142.9 130.7 6,193,992 4,335,680 283,203
16 Beverly Hills Bancorp Inc. Calabasas, Calif. 136.1 143.5 909,385 668,350 127,883
17 BBVA PR Holding Corp. San Juan, Puerto Rico 135.6 141.7 4,331,308 3,195,252 514,828
18 Marquette Financial Cos. Minneapolis 133.4 132.8 2,148,799 1,610,409 375,185
19 Investors Bancorp Short Hills, N.J. 132.9 103.5 5,350,436 4,025,809 496,790
20 Peoplesbancorp Holyoke, Mass. 132.5 119.3 1,104,112 833,269 120,457
TCF Financial Corp. Wayzata, Minn. 132.5 122.3 13,105,237 9,893,306 1,111,029
22 Patriot Bancshares Inc. Houston 130.1 74.3 861,027 661,792 68,409
23 Comerica Inc. Dallas 129.8 118.2 51,629,088 39,787,695 5,099,885
24 Pacific Continental Corp. Eugene, Ore. 129.6 117.4 925,308 713,918 113,198
25 Glacier Bancorp Inc. Kalispell, Mont. 129.2 103.6 3,922,621 3,036,770 558,991
26 Republic Bancorp Inc. Louisville 129.1 138.3 2,325,131 1,800,867 277,237
27 Commonwealth Bankshares Inc. Norfolk, Va. 127.9 135.0 962,243 752,094 106,084
28 South Plains Financial Inc. Lubbock 127.2 117.5 1,816,764 1,428,259 129,161
29 Doral GP Ltd. San Juan, Puerto Rico 127.0 121.1 5,463,178 4,301,797 3
30 Rockville Financial Inc. Vernon Rockville, Conn. 126.9 117.8 1,262,008 994,896 85,012
31 Marshall & Ilsley Corp. Milwaukee 126.3 133.1 50,417,242 39,929,359 6,491,942
32 Smithtown Bancorp Inc. Hauppauge, N.Y. 126.1 98.4 1,493,017 1,184,303 114,957
33 Big Sandy Holding Co. Longmont, Colo. 125.2 100.2 1,257,081 1,004,379 75,164
34 Cooperative Bankshares Inc. Wilmington, N.C. 124.5 115.2 884,474 710,691 55,174
35 U.S. Bancorp Minneapolis 124.0 125.2 172,979,000 139,504,000 21,675,000
36 Summit Financial Group Inc. Moorefield, W.Va. 123.5 120.3 1,167,130 945,224 80,510
Texas Capital Bancshares Inc. Dallas 123.5 103.6 4,183,822 3,389,173 380,858
38 PacWest Bancorp San Diego 123.2 113.5 3,935,330 3,194,361 376,287
39 BTC Financial Corp. Des Moines 123.1 117.6 1,918,500 1,558,992 143,202
40 Stearns Financial Services Inc. St. Cloud, Minn. 122.5 113.6 968,080 790,007 169,693
41 Hills Bancorp. Iowa 122.0 118.1 1,456,915 1,193,879 158,974
Plains Capital Corp. Dallas 122.0 102.3 2,840,612 2,328,788 253,407
43 Cascade Financial Corp. Everett, Wash. 121.8 118.1 1,209,798 993,603 119,100
44 Wells Fargo & Co. San Francisco 121.5 116.8 430,423,000 354,381,000 46,957,000
45 Citizens Financial Group Inc. Providence, R.I. 121.4 110.1 112,914,434 93,041,930 22,367,342
46 KeyCorp Cleveland 120.8 115.5 78,179,813 64,721,401 8,651,444
47 Lakeside Bancorp Inc. Chicago 120.4 104.8 939,500 780,427 95,132
48 Fulton Financial Corp. Lancaster, Pa. 120.0 107.9 11,894,619 9,916,555 1,603,910
49 Hanmi Financial Corp. Los Angeles 119.5 105.7 3,345,048 2,799,690 267,196
50 Mercantile Bank Corp. Grand Rapids 118.7 109.5 1,870,799 1,575,713 171,349
Pacific Capital Bancorp Santa Barbara, Calif. 118.7 114.7 5,865,964 4,941,304 640,749
52 Boston Private Financial Holdings Inc. 118.4 116.9 5,479,361 4,626,465 547,273
53 QCR Holdings Inc. Moline, Ill. 118.2 117.6 1,260,095 1,066,159 89,438
54 Hampton Roads Bankshares Inc. Norfolk, Va. 117.5 110.2 797,183 678,674 108,520
55 CNLBancshares Inc. Orlando 117.1 117.5 1,354,094 1,156,120 162,963
56 Independent Bank Corp. Ionia, Mich. 116.9 93.0 2,532,115 2,165,587 225,342
57 Beacon Bancorp Taunton, Mass. 116.7 113.8 892,481 764,962 164,478
58 Cascade Bancorp Bend, Ore. 116.6 114.0 2,049,695 1,757,903 276,706
Carolina Financial Corp. Charleston, S.C. 116.6 111.1 809,858 694,616 45,309
60 Central Bancorp Inc. Garland, Tex. 116.4 NA 736,416 632,505 62,943
61 Ida Grove Bancshares Inc. Iowa 116.2 122.0 909,861 783,089 80,460
62 FBOP Corp. Oak Park, Ill. 115.9 87.8 13,772,915 11,884,797 705,746
63 Macon Bancorp Franklin, N.C. 115.6 123.7 814,135 704,084 84,299
64 Encore Bancshares Inc. Houston 115.4 100.0 1,198,894 1,039,133 161,009
65 Sterling Financial Corp. Spokane 115.3 114.3 9,338,105 8,097,836 1,180,427
66 CoBiz Financial Inc. Denver 115.2 105.4 2,001,684 1,737,262 194,523
67 Horizon Bancorp Michigan City, Ind. 115.1 109.5 862,781 749,422 75,072
Enterprise Financial Services Corp. Clayton, Mo. 115.1 107.9 1,943,120 1,688,054 184,959
BancWest Corp. Honolulu 115.1 104.3 54,437,141 47,311,467 7,615,536
70 Santander BanCorp San Juan, Puerto Rico 114.6 115.9 6,415,575 5,598,116 555,308
M&T Bank Corp. Buffalo 114.6 116.4 48,693,543 42,501,293 6,416,684
72 Associated Banc-Corp Green Bay, Wis. 114.5 107.6 16,313,399 14,245,667 2,364,247
73 First Independent Investment Group Inc. Vancouver, Wash. 114.3 93.5 881,150 770,984 150,238
S&T Bancorp Inc. Indiana, Pa. 114.3 105.0 3,578,587 3,131,882 450,717
Southwest Bancorp Inc. Stillwater, Okla. 114.3 104.9 2,512,339 2,198,719 226,123
76 Summit Bancorp Inc. Arkadelphia, Ark. 114.1 98.5 788,474 690,946 85,203
77 UnionBanCal Corp. San Francisco 114.0 93.9 48,306,118 42,366,938 4,692,648
78 Wilshire Bancorp Inc. Los Angeles 113.6 99.6 2,034,328 1,790,816 187,880
Norway Bancorp Maine 113.6 106.9 759,531 668,847 88,367
80 SunTrust Banks Inc. Atlanta 113.4 111.7 131,478,156 115,911,881 17,956,025
81 East West Bancorp Inc. Pasadena, Calif. 113.0 114.2 8,534,158 7,549,815 1,264,881
Lauritzen Corp. Omaha 113.0 96.6 734,700 650,175 482,368
83 Temecula Valley Bancorp Inc. Calif. 112.8 104.6 1,360,058 1,206,162 101,455
First Chicago Bancorp Itasca, Ill. 112.8 102.1 1,059,733 939,816 153,118
85 Frontier Financial Corp. Everett, Wash. 112.6 117.8 3,832,053 3,404,071 443,731
CVB Financial Corp. Ontario, Calif. 112.6 96.5 3,596,592 3,195,541 434,820
87 Western Alliance Bancorp. Las Vegas 112.5 93.5 3,948,054 3,509,005 477,875
Cardinal Financial Corp. McLean, Va. 112.5 98.3 1,221,084 1,085,564 154,540
89 First Financial Service Corp. Elizabethtown, Ky. 112.3 110.5 872,485 776,921 74,456
90 First Regional Bancorp Century City, Calif. 112.1 116.8 2,317,608 2,067,098 160,742
Affinity Bank Holdings Inc. Ventura, Calif. 112.1 116.8 916,832 817,728 42,652
92 NewAlliance Bancshares Inc. New Haven 112.0 108.2 4,958,182 4,427,186 1,400,406
Regions Financial Corp. Birmingham, Ala. 112.0 102.0 99,923,136 89,229,974 19,705,280
94 Firstbank Corp. Alma, Mich. 111.8 111.2 1,154,919 1,033,040 117,515
95 Vineyard National Bancorp Corona, Calif. 111.7 115.3 1,811,256 1,621,379 2,526
Reliance Bancshares Inc. Frontenac, Mo. 111.7 104.9 1,224,274 1,096,534 136,560
97 Assabet Valley Bancorp Hudson, Mass. 111.6 108.3 720,413 645,274 74,134
98 Fifth Third Bancorp Cincinnati 111.4 113.6 86,495,930 77,641,796 10,695,727
Montgomery Bancorp. Inc. Sikeston, Mo. 111.4 100.9 749,956 673,339 48,730
100 Imperial Capital Bancorp Inc. La Jolla, Calif. 111.3 144.5 2,883,333 2,591,076 225,515
101 VIST Financial Corp. Wyomissing, Pa. 111.2 108.1 871,154 783,553 97,546
102 Indiana Community Bancorp Columbus 111.0 105.0 798,606 719,655 69,086
103 Wilmington Trust Corp. Del. 110.7 111.0 9,685,791 8,751,106 1,062,051
104 Orrstown Financial Services Inc. Shippensburg, Pa. 110.6 103.9 784,073 708,802 101,176
Bank of America Corp. Charlotte 110.6 117.3 967,736,912 875,256,383 161,039,070
First State Bancorp. Albuquerque 110.6 97.3 2,761,137 2,497,281 189,647
107 Sandy Spring Bancorp Inc. Olney, Md. 110.5 96.8 2,486,959 2,250,053 319,700
108 Horizon Financial Corp. Bellingham, Wash. 110.4 116.8 1,266,771 1,147,454 122,151
109 Valley National Bancorp Wayne, N.J. 110.3 99.2 10,059,648 9,123,214 1,088,612
110 Huntington Bancshares Inc. Columbus, Ohio 110.2 105.2 41,460,662 37,625,738 6,373,906
111 TIB Financial Corp. Naples, Fla. 110.1 108.4 1,227,183 1,114,244 96,455
112 First Mariner Bancorp Baltimore 109.7 100.6 998,379 909,734 56,831
113 First Bancorp Troy, N.C. 109.4 101.3 2,215,209 2,024,490 219,354
114 BB&T Corp. Winston-Salem, N.C. 109.3 105.7 96,681,655 88,423,350 12,935,205
Cathay General Bancorp Los Angeles 109.3 105.9 7,488,990 6,849,170 1,002,153
Dearborn Bancorp Inc. Mich. 109.3 109.8 939,158 859,269 133,840
117 Bremer Financial Corp. St. Paul 109.2 103.0 5,658,558 5,182,155 672,640
118 AmericanWest Bancorp. Spokane 109.1 108.5 1,730,834 1,585,928 146,759
119 Capitol Bancorp Ltd. Lansing, Mich. 109.0 110.4 4,669,606 4,283,561 353,108
Central Pacific Financial Corp. Honolulu 109.0 104.1 4,116,736 3,777,072 510,071
121 Guaranty Bancorp Denver 108.9 97.0 1,781,246 1,635,114 154,406
122 Webster Financial Corp. Waterbury, Conn. 108.7 100.6 12,869,651 11,834,799 1,816,569
BancPlus Corp. Belzoni, Miss. 108.7 101.3 1,507,732 1,386,778 163,626
Zions Bancorp. Salt Lake City 108.7 105.8 41,930,195 38,578,739 5,566,027
125 Center Financial Corp. Los Angeles 108.3 114.3 1,755,277 1,621,248 164,931
126 State Bankshares Inc. Fargo, N.D. 108.2 110.4 1,721,432 1,590,726 116,587
127 Crescent Financial Corp. Cary, N.C. 108.0 109.4 769,060 711,855 94,151
Fremont Bancorp. Calif. 108.0 108.4 1,711,206 1,584,291 109,667
Nara Bancorp Inc. Los Angeles 108.0 109.1 2,102,038 1,946,843 230,513
Bar Harbor Bankshares Maine 108.0 107.4 624,205 578,163 62,671
131 First American Bank Corp. Elk Grove Village, Ill. 107.9 91.7 2,110,794 1,955,615 167,244
Camco Financial Corp. Cambridge, Ohio 107.9 121.1 793,257 734,936 86,578
133 Bangor Bancorp Maine 107.8 104.0 1,708,708 1,585,532 217,463
134 First Bancorp Inc. Lebanon, Va. 107.6 107.6 859,249 798,633 78,938
135 Spirit Bankcorp Inc. Bristow, Okla. 107.5 108.5 1,045,672 972,935 74,025
136 United Bankshares Inc. Charleston, W.Va. 107.4 104.5 5,912,336 5,504,488 773,109
W.T.B. Financial Corp. Spokane 107.4 100.3 3,201,227 2,980,999 330,578
138 SCBT Financial Corp. Columbia, S.C. 107.1 102.3 2,291,145 2,138,727 219,587
Palmetto Bancshares Inc. Laurens, S.C. 107.1 100.9 1,134,556 1,059,116 118,435
Hawthorn Bancshares Inc. Lee’s Summit, Mo. 107.1 95.4 994,559 928,654 111,939
141 Midwest Bankcentre Inc. St. Louis 107.0 101.2 663,489 620,177 103,651
142 Coppermark Bancshares Inc. Oklahoma City 106.9 96.8 964,183 902,094 84,469
143 Liberty Financial Group Inc. Eugene, Ore. 106.8 111.2 838,864 785,434 76,443
144 Aliant Financial Corp. Alexander City, Ala. 106.4 99.0 759,756 714,130 66,129
Savannah Bancorp Inc. Ga. 106.4 104.4 854,773 803,483 79,595
Georgian Bancorp. Inc. Atlanta 106.4 100.0 1,873,415 1,761,412 140,395
147 First Chester County Corp. West Chester, Pa. 106.2 96.8 808,931 761,519 67,353
Renasant Corp. Tupelo, Miss. 106.2 98.2 2,561,400 2,412,168 406,267
Pacific Mercantile Bancorp Costa Mesa, Calif. 106.2 95.7 840,123 791,276 93,835
150 First Banking Center Inc. Burlington, Wis. 106.0 111.2 750,924 708,289 61,373


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

Source:

SNL Financial
, Charlottesville, Va.
© 2009 American Banker

Banks, thrifts and holding companies