Highest Loan/Deposit Ratios Among Bank Holding Companies

September 22, 2009, 5:00 p.m. EDT 1 Min Read

View Table

Printer Friendly Version

Highest Loan/Deposit Ratios Among Bank Holding Companies*On March 31, 2009. Dollars in thousands Published September 23, 2009
Rank		Loans as % of deposits**		Loans**	Deposits	Equity capital
Rank		March 31	Year earlier	Loans**	Deposits	Equity capital
1	Barclays Group US Inc. Wilmington, Del.	29826.23%	NA	$23,914,672	$80,180	$6,916,218
2	CIT Group Inc. New York	1688.96	NA	51,022,055	3,020,917	7,423,613
3	MetLife Inc. New York	886.18	1300.48%	66,740,934	7,531,277	23,106,260
4	Marlin Business Services Corp. Mount Laurel, N.J.	851.84	NA	637,628	74,853	146,487
5	Utrecht-America Holdings Inc. New York	289.98	352.88	13,848,147	4,775,604	547,326
6	Independent Bankers Financial Corp. Irving, Texas	283.62	208.87	982,008	346,239	121,942
7	American Express Co. New York	277.39	NA	66,624,517	24,018,440	15,779,701
8	Midwest Independent Bancshares Inc. Jefferson City, Mo.	252.95	NA	286,895	113,420	36,940
9	United National Corp. Sioux Falls, S.D.	206.76	228.72	1,147,088	554,803	527,186
10	Taunus Corp. New York	202.75	290.92	32,042,000	15,804,000	1,367,000
11	Cass Information Systems Inc. Bridgeton, Mo.	193.40	243.75	601,171	310,843	113,943
12	First National Bancshares Inc. East Lansing, Mich.	172.45	181.02	401,392	232,753	80,630
13	New York Community Bancorp Inc. Westbury	155.30	149.18	22,293,833	14,355,337	4,235,886
14	HSBC North America Holdings Inc. Mettawa, Ill.	150.30	168.08	230,836,553	153,580,349	30,083,961
15	First National Banker’s Bankshares Inc. Baton Rouge	150.03	391.59	487,010	324,613	126,036
16	Texas Capital Bancshares Inc. Dallas	147.69	118.31	4,446,820	3,011,012	471,990
17	First Horizon National Corp. Memphis	142.29	159.13	21,216,809	14,911,006	3,212,511
18	SBT Bancshares Inc. Irving, Texas	137.74	NA	572,310	415,493	51,512
19	R&G Financial Corp. Hato Rey, Puerto Rico	136.16	138.26	6,164,865	4,527,609	205,429
20	Doral GP Ltd. San Juan, Puerto Rico	135.59	129.48	5,493,022	4,051,242	3
21	Pacific Continental Corp. Eugene, Ore.	131.30	134.88	965,624	735,426	128,209
22	East Asia Holding Co. Inc. New York	130.63	118.07	564,833	432,394	108,011
23	BBVA PR Holding Corp. San Juan, Puerto Rico	130.61	150.86	4,152,056	3,178,953	526,931
24	Commonwealth Bankshares Inc. Norfolk	130.16	130.48	1,051,359	807,750	106,513
25	Bankers’ Bank of the West Bancorp Inc. Denver	129.52	NA	342,924	264,772	55,782
26	Tamalpais Bancorp San Rafael, Calif.	127.30	NA	590,544	463,903	37,349
27	Foster Bankshares Inc. Chicago	126.80	122.15	527,302	415,865	39,228
28	Summit Financial Group Inc. Moorefield, W.Va.	126.58	130.12	1,209,326	955,358	83,604
29	Glacier Bancorp Inc. Kalispell, Mont.	126.25	116.55	4,160,692	3,295,712	681,985
30	Patriot Bancshares Inc. Houston	125.84	105.48	932,801	741,275	93,069
31	Pacific Premier Bancorp Inc. Costa Mesa, Calif.	125.37	155.10	619,435	494,070	58,211
32	Marshall & Ilsley Corp. Milwaukee	124.50	127.41	49,244,654	39,554,467	6,240,213
33	Rainier Pacific Financial Group Inc. Tacoma	124.36	137.36	640,268	514,846	39,165
34	Rockville Financial MHC Inc. Vernon Rockville, Conn.	124.13	114.28	1,347,987	1,085,952	85,414
35	Community West Bancshares Goleta, Calif.	123.38	122.11	598,435	485,015	59,778
36	Machias Bancorp MHC Maine	123.21	107.62	859,604	697,677	94,438
37	Central Bancorp Inc. Somerville, Mass.	123.16	131.09	463,878	376,651	40,239
38	Park Bancorp. Inc. Madison, Wis.	122.92	117.24	737,796	600,229	61,367
39	Cascade Financial Corp. Everett, Wash.	122.73	120.68	1,248,100	1,016,946	156,166
40	Androscoggin Bancorp MHC Lewiston, Maine	121.61	120.90	541,655	445,390	65,141
41	Diamond Bancorp Inc. Washington, Mo.	121.18	124.13	666,297	549,842	70,158
42	Community Capital Corp. Greenwood, S.C.	121.11	127.99	627,843	518,419	65,531
43	CoBiz Financial Inc. Denver	120.46	105.27	2,019,450	1,676,482	203,049
44	Chicopee Bancorp Inc. Mass.	120.34	NA	418,638	347,885	93,627
45	Plains Capital Corp. Dallas	119.46	114.19	3,240,754	2,712,790	407,082
46	C&F Financial Corp. West Point, Va.	119.25	118.96	693,662	581,692	85,572
47	Southern First Bancshares Inc. Greenville, S.C.	119.02	114.10	566,394	475,886	57,973
48	Spirit Bankcorp Inc. Bristow, Okla.	118.89	117.31	1,127,657	948,507	109,385
49	BankVest Inc. Castle Rock, Colo.	118.44	117.51	760,912	642,462	41,470
50	Republic Bancorp Inc. Louisville	118.15	131.35	2,326,188	1,968,795	303,583
51	TCF Financial Corp. Wayzata, Minn.	117.96	123.16	13,795,617	11,695,088	1,499,956
52	Community Central Bank Corp. Mount Clemens, Mich.	117.62	113.61	432,455	367,670	33,512
53	F&M Bank Corp. Timberville, Va.	117.61	111.52	428,483	364,323	36,164
54	Investors Bancorp MHC Short Hills, N.J.	117.44	104.77	5,631,632	4,795,165	455,213
55	F&M Financial Corp. Granite Quarry, N.C.	116.93	124.95	578,554	494,784	74,181
56	First Independent Investment Group Inc. Vancouver, Wash.	116.48	115.67	884,146	759,032	125,913
57	U.S. Bancorp Minneapolis	116.16	118.28	188,829,000	162,566,000	27,223,000
58	First Financial Service Corp. Elizabethtown, Ky.	116.13	111.05	954,064	821,516	92,839
59	Delta Bancshares Co. St. Louis	115.88	114.38	721,169	622,352	78,343
60	Metropolitan Bank Holding Corp. New York	115.77	NA	494,436	427,099	38,689
61	First BanCorp. San Juan, Puerto Rico	115.72	103.46	13,445,769	11,619,348	1,977,240
62	Comerica Inc. Dallas	115.59	112.03	48,660,019	42,098,390	7,176,570
63	BancWest Corp. San Francisco	115.55	109.81	54,938,942	47,545,330	7,593,205
64	Peoplesbancorp MHC Holyoke, Mass.	115.42	120.32	1,080,727	936,323	128,297
65	PacWest Bancorp San Diego	115.38	119.45	3,925,253	3,401,988	469,006
66	Alikat Investments Inc. Gurnee, Ill.	115.36	119.31	495,411	429,437	52,356
67	M&T Bank Corp. Buffalo	115.16	118.65	48,918,140	42,477,356	6,901,839
68	Northern Bancorp Inc. Woburn, Mass.	114.89	NA	450,904	392,469	51,620
69	Santander BanCorp Guaynabo, Puerto Rico	114.61	127.50	5,854,213	5,108,121	545,464
70	Independent Bank Corp. Ionia, Mich.	114.58	113.92	2,483,198	2,167,302	177,489
71	Cardinal Financial Corp. McLean, Va.	114.44	104.87	1,384,751	1,210,063	162,813
72	Fidelity Holding Co. Minnetonka, Minn.	114.36	99.42	321,806	281,398	49,131
73	Coastal Affiliates MHC Hyannis, Mass.	114.33	112.50	462,446	404,495	47,059
74	Hampton Roads Bankshares Inc. Norfolk	114.21	106.96	2,611,027	2,286,172	347,861
75	FirsTier Bancorp Broomfield, Colo.	114.16	NA	738,245	646,670	34,810
76	Norway Bancorp MHC Maine	114.14	110.72	779,194	682,665	82,428
77	Ida Grove Bancshares Inc. Iowa	114.11	115.24	920,366	806,584	85,705
78	Stearns Financial Services Inc. St. Cloud, Minn.	113.63	121.03	854,293	751,790	165,642
79	FBOP Corp. Oak Park, Ill.	113.51	106.17	13,949,629	12,289,220	504,319
80	Regent Bancorp Inc. Davie, Fla.	113.48	104.33	340,604	300,142	40,238
81	Wilmington Trust Corp. Del.	113.47	108.91	9,500,791	8,373,241	1,336,320
82	KeyCorp Cleveland	113.30	120.49	74,827,408	66,041,949	9,967,835
83	Liberty Bancshares Inc. Springfield, Mo.	113.05	108.24	800,325	707,966	69,570
84	Valley Financial Corp. Roanoke, Va.	112.90	116.54	567,747	502,860	58,615
85	Enterprise Financial Services Corp. Clayton, Mo.	112.66	108.75	1,966,634	1,745,559	166,884
86	First Financial Banc Corp. El Dorado, Ark.	112.58	108.93	524,429	465,838	44,843
87	Monarch Financial Holdings Inc. Chesapeake, Va.	112.54	NA	587,959	522,436	60,828
88	Lake Michigan Financial Corp. Holland, Mich.	112.17	104.14	741,375	660,929	57,886
89	Irwin Financial Corp. Columbus, Ind.	112.06	164.34	3,480,173	3,105,600	17,031
90	Parke Bancorp Inc. Sewell, N.J.	112.00	NA	581,151	518,891	58,139
91	Washington First Financial Group Inc. Seattle	111.98	126.61	593,861	530,337	71,778
92	First Mutual of Richmond Inc. Ind.	111.96	112.60	711,358	635,356	87,461
	Timberland Bancorp Inc. Hoquiam, Wash.	111.96	118.03	566,422	505,898	88,343
94	State Bankshares Inc. Fargo, N.D.	111.78	112.22	1,736,237	1,553,227	165,942
95	Southwest Bancorp Inc. Stillwater, Okla.	111.70	112.15	2,602,697	2,330,089	300,406
96	Big Sandy Holding Co. Longmont, Colo.	111.39	119.98	1,224,124	1,098,964	76,671
97	Jacksonville Bancorp Inc. Fla.	111.37	106.32	383,697	344,512	26,855
98	Alliance Financial Services Inc. St. Paul	111.26	108.25	630,063	566,280	70,337
99	Lakeside Bancorp Inc. Chicago	110.99	115.35	966,974	871,236	91,139
	QCR Holdings Inc. Moline, Ill.	110.99	116.17	1,205,979	1,086,588	127,881
101	Wells Fargo & Co. San Francisco	110.95	116.21	888,722,000	801,005,000	100,295,000
102	Citizens Financial Group Inc. Providence, R.I.	110.93	114.15	108,962,255	98,227,264	20,186,800
103	Ambank Co. Inc. Sioux Center, Iowa	110.79	106.08	618,639	558,401	50,463
104	Eagle Bancorp Inc. Bethesda, Md.	110.62	111.05	1,270,790	1,148,741	144,529
105	BB&T Corp. Winston-Salem, N.C.	110.58	107.40	100,239,388	90,648,174	16,137,693
106	Bank of Florida Corp. Naples, Fla.	110.55	117.09	1,288,177	1,165,267	186,334
107	LSB Corp. North Andover, Mass.	110.48	112.52	479,946	434,438	73,206
108	Gorham Bancorp MHC Maine	110.37	117.25	594,583	538,707	68,429
109	CNLBancshares Inc. Orlando	110.30	114.52	1,385,809	1,256,423	160,808
110	1st United Bancorp Inc. Boca Raton, Fla.	110.29	108.97	497,872	451,421	108,615
111	Independent Holdings Inc. Memphis	110.26	95.52	602,894	546,777	46,266
	Wilshire Bancorp Inc. Los Angeles	110.26	108.84	2,104,002	1,908,193	257,706
113	First American Bank Corp. Elk Grove Village, Ill.	110.12	98.77	2,031,176	1,844,516	158,388
114	Firstbank Corp. Alma, Mich.	110.06	111.47	1,140,760	1,036,467	147,814
115	First Litchfield Financial Corp. Conn.	110.03	97.56	396,100	359,983	32,256
116	SunTrust Banks Inc. Atlanta	109.98	112.49	130,847,004	118,972,175	21,533,610
117	Platte Valley Financial Service Cos Inc. Scottsbluff, Neb.	109.90	109.50	501,377	456,192	52,733
118	Green Bankshares Inc. Greeneville, Tenn.	109.75	112.94	2,245,443	2,046,054	384,474
119	Central Bancorp Inc. Garland, Texas	109.66	101.74	809,154	737,907	84,295
120	EvergreenBancorp Inc. Seattle	109.65	120.06	424,322	386,961	21,211
121	Boston Private Financial Holdings Inc.	109.54	123.26	5,544,006	5,061,137	657,227
	Duke Financial Group Inc. Minneapolis	109.54	106.34	565,850	516,584	45,227
123	Harleysville Savings Financial Corp. Pa.	109.53	97.27	486,229	443,910	48,988
	Hills Bancorp. Iowa	109.53	117.45	1,500,023	1,369,522	162,567
125	United Community Financial Corp. Grand Rapids	109.35	109.88	365,824	334,529	33,826
126	Washington Banking Co. Burlington	109.26	109.47	831,807	761,343	107,890
127	USAmeriBancorp Inc. Largo, Fla.	109.25	NA	528,371	483,639	56,096
128	South Plains Financial Inc. Lubbock	109.23	119.77	1,744,679	1,597,202	135,524
129	Smithtown Bancorp Inc. Hauppauge, N.Y.	109.17	115.44	1,823,185	1,670,007	122,600
130	Frontier Financial Corp. Everett, Wash.	109.11	117.51	3,659,509	3,353,894	319,398
131	Assabet Valley Bancorp Hudson, Mass.	108.91	111.34	719,550	660,676	72,381
132	Yadkin Valley Financial Corp. Elkin, N.C.	108.84	98.43	1,362,473	1,251,839	180,070
133	PrivateBancorp Inc. Chicago	108.68	102.62	8,494,939	7,816,588	866,135
134	First Bancorp Inc. Lebanon, Va.	108.59	104.34	894,343	823,592	84,081
135	SCBT Financial Corp. Columbia, S.C.	108.57	107.78	2,336,257	2,151,868	311,180
136	S&T Bancorp Inc. Indiana, Pa.	108.47	109.43	3,518,856	3,244,197	547,276
137	Fremont Bancorp. Calif.	108.33	107.29	1,860,331	1,717,233	115,083
138	Cornerstone Bancshares Inc. Chattanooga, Tenn.	108.32	121.33	378,993	349,892	33,707
139	South Financial Group Inc. Greenville, S.C.	108.16	108.87	10,026,307	9,270,044	1,552,183
140	Banner Corp. Walla Walla, Wash.	107.94	103.97	3,915,547	3,627,505	424,543
141	Beacon Bancorp Taunton, Mass.	107.75	112.91	907,296	842,040	156,699
142	Northeast Bancorp Lewiston, Maine	107.69	112.88	399,636	371,111	48,313
143	Mercantile Bank Corp. Grand Rapids	107.68	115.41	1,778,057	1,651,284	169,345
144	Fauquier Bankshares Inc. Warrenton, Va.	107.67	106.68	448,225	416,289	40,819
145	Crescent Financial Corp. Cary, N.C.	107.66	108.74	787,657	731,649	120,474
146	Southwest Florida Community Bancorp Inc. Fort Myers	107.58	104.27	470,358	437,207	27,795
147	Inland Bancorp Inc. Oak Brook, Ill.	107.53	101.61	898,344	835,401	85,052
148	Guaranty Bancorp Denver	107.47	103.21	1,762,277	1,639,817	163,573
149	S.Y. Bancorp Inc. Louisville	107.43	112.91	1,381,580	1,286,034	146,930
150	W.T.B. Financial Corp. Spokane	107.42	101.93	3,257,927	3,032,939	400,152

*Among 500 top-tier bank holding companies that file Y-9C reports with the Federal Reserve. **Includes leases. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of Aug. 18, 2009.
Source:

SNL Financial