Highest Loan/Deposit Ratios Among Bank Holding Companies

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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn June 30, 2009. Dollars in thousands
Published December 2, 2009

Rank   Loans as % of deposits Loans* Deposits Equity capital
June 30 Year earlier
1 Barclays Group US Inc. Wilmington, Del. 5624.15% 93655.07% $21,279,046 $378,351 $5,798,712
2 CIT Group Inc. New York 915.75 NA 49,146,784 5,366,827 6,079,013
3 MetLife Inc. New York 850.05 1,305.53 66,362,302 7,806,897 27,292,505
4 GMAC Inc. Detroit 402.57 NA 103,332,000 25,668,000 26,046,000
5 Utrecht-America Holdings Inc. New York 290.81 314.94 14,146,002 4,864,346 299,866
6 American Express Co. New York 243.03 NA 63,421,214 26,096,229 13,420,059
7 Independent Bankers Financial Corp. Irving, Texas 226.40 269.62 907,493 400,843 129,929
8 Taunus Corp. New York 194.97 199.92 29,417,000 15,088,000 2,148,000
9 First National Banker’s Bankshares Inc. Baton Rouge 173.31 445.01 496,776 286,643 130,362
10 United National Corp. Sioux Falls, S.D. 171.72 247.08 1,189,592 692,733 537,998
11 New York Community Bancorp Inc. Westbury 157.43 154.40 22,777,756 14,468,573 4,210,666
12 BBVA PR Holding Corp. San Juan, Puerto Rico 149.09 158.83 4,101,376 2,750,992 520,148
13 HSBC North America Holdings Inc. Mettawa, Ill. 147.39 165.88 222,012,684 150,631,950 27,223,564
14 Doral GP Ltd. San Juan, Puerto Rico 136.27 125.39 5,538,456 4,064,257 3
15 First Horizon National Corp. Memphis 133.98 164.16 20,067,782 14,978,139 3,098,816
16 Republic Bancorp Inc. Louisville 132.24 144.89 2,320,465 1,754,788 309,544
17 Texas Capital Bancshares Inc. Dallas 130.54 112.26 4,756,534 3,643,598 464,026
18 R&G Financial Corp. Hato Rey, Puerto Rico 129.60 139.67 5,839,920 4,506,188 187,562
19 First Chester County Corp. West Chester, Pa. 126.99 107.84 1,289,523 1,015,434 88,201
20 Summit Financial Group Inc. Moorefield, W.Va. 123.74 133.11 1,180,747 954,223 83,753
21 Santander BanCorp Guaynabo, Puerto Rico 123.65 113.72 5,707,429 4,615,744 559,324
22 Cascade Financial Corp. Everett, Wash. 122.11 120.06 1,223,516 1,001,945 132,320
23 Glacier Bancorp Inc. Kalispell, Mont. 121.93 122.23 4,129,039 3,386,464 689,664
24 Pacific Continental Corp. Eugene, Ore. 121.26 132.83 965,296 796,056 119,360
25 PacWest Bancorp San Diego 119.99 122.29 3,905,407 3,254,653 464,097
26 Machias Bancorp MHC Maine 119.91 105.76 848,478 707,577 97,935
27 Commonwealth Bankshares Inc. Norfolk 119.90 131.47 1,055,624 880,398 106,984
28 Rockville Financial MHC Inc. Conn. 119.88 118.13 1,344,997 1,121,983 87,320
29 TCF Financial Corp. Wayzata, Minn. 119.68 127.30 13,962,656 11,666,548 1,142,535
30 First Financial Service Corp. Elizabethtown, Ky. 119.60 107.57 981,852 820,978 93,021
31 QCR Holdings Inc. Moline, Ill. 119.13 122.16 1,225,850 1,029,036 125,541
32 PlainsCapital Corp. Dallas 118.66 113.54 3,477,770 2,930,959 422,429
33 Stifel Financial Corp. St. Louis 118.51 300.78 557,511 470,430 702,703
34 Patriot Bancshares Inc. Houston 117.82 107.55 974,794 827,340 93,580
35 Marshall & Ilsley Corp. Milwaukee 117.51 122.45 48,183,144 41,003,969 6,583,771
36 Wilmington Trust Corp. Del. 116.87 107.50 9,246,178 7,911,797 1,310,681
37 State Bankshares Inc. Fargo, N.D. 116.74 115.16 1,777,829 1,522,879 164,809
38 U.S. Bancorp Minneapolis 115.55 125.57 189,368,000 163,883,000 24,171,000
Mercantile Bank Corp. Grand Rapids, Mich. 115.55 119.17 1,708,524 1,478,633 181,693
40 Fremont Bancorp. Calif. 115.25 107.45 1,949,491 1,691,531 114,506
Cardinal Financial Corp. McLean, Va. 115.25 110.17 1,430,868 1,241,580 196,599
42 Hampton Roads Bankshares Inc. Norfolk 114.13 113.51 2,598,639 2,276,953 299,231
43 BancWest Corp. San Francisco 113.73 116.06 54,259,763 47,709,283 7,546,356
44 Comerica Inc. Dallas 113.23 122.15 46,589,042 41,146,963 7,088,584
45 Investors Bancorp MHC Short Hills, N.J. 112.91 117.54 6,248,937 5,534,221 462,459
46 Harris Financial Corp. Wilmington, Del. 112.83 128.60 32,977,166 29,227,362 4,866,244
47 M&T Bank Corp. Buffalo 112.75 117.15 52,714,644 46,754,707 7,400,164
48 South Plains Financial Inc. Lubbock 112.45 130.68 1,756,580 1,562,149 136,408
49 First Regional Bancorp Century City, Calif. 111.74 116.72 2,246,024 2,010,005 129,724
50 First Independent Investment Group Inc. Vancouver, Wash. 111.53 122.36 855,609 767,166 122,128
51 Spirit Bankcorp Inc. Bristow, Okla. 111.44 106.15 1,258,465 1,129,319 109,498
52 Southwest Bancorp Inc. Stillwater, Okla. 111.34 110.39 2,730,332 2,452,295 305,416
53 CoBiz Financial Inc. Denver 110.98 118.72 1,951,775 1,758,634 193,132
54 Smithtown Bancorp Inc. Hauppauge, N.Y. 110.50 121.68 1,970,527 1,783,339 153,386
55 Hills Bancorp. Iowa 110.41 122.42 1,498,711 1,357,458 164,613
56 SunTrust Banks Inc. Atlanta 110.14 109.62 130,847,290 118,801,471 22,838,623
57 Susquehanna Bancshares Inc. Lititz, Pa. 109.86 102.66 9,916,618 9,026,228 1,949,840
58 Crescent Financial Corp. Cary, N.C. 109.66 113.42 775,301 707,025 121,227
59 S&T Bancorp Inc. Indiana, Pa. 109.63 111.34 3,459,771 3,155,852 533,094
60 Ida Grove Bancshares Inc. Iowa 109.22 119.01 896,302 820,643 85,415
61 RBC Bancorp. USA Raleigh 109.08 100.77 21,106,334 19,349,888 3,767,202
62 Dearborn Bancorp Inc. Mich. 108.99 114.65 886,265 813,167 87,877
63 First BanCorp. San Juan, Puerto Rico 108.82 105.85 13,097,028 12,035,426 1,840,686
64 Lakeland Financial Corp. Warsaw, Ind. 108.80 104.44 1,887,849 1,735,136 212,105
65 First Bancorp Inc. Lebanon, Va. 108.63 109.79 922,284 849,026 87,896
66 Bank of Florida Corp. Naples 108.59 117.71 1,267,349 1,167,052 180,803
67 Enterprise Financial Services Corp. Clayton, Mo. 108.42 110.86 1,907,344 1,759,263 166,224
68 Paragon Commercial Corp. Raleigh 108.22 99.20 960,768 887,753 71,524
69 Pacific Capital Bancorp Santa Barbara, Calif. 108.02 122.69 5,667,448 5,246,807 413,409
70 First Bancorp Inc. Damariscotta, Maine 107.83 113.29 985,498 913,949 146,198
71 Peoplesbancorp MHC Holyoke, Mass. 107.71 125.22 1,061,479 985,511 130,980
72 Home BancShares Inc. Conway, Ark. 107.68 102.60 1,972,704 1,832,065 343,354
73 Green Bankshares Inc. Greeneville, Tenn. 107.36 103.58 2,187,388 2,037,385 233,192
74 Firstbank Corp. Alma, Mich. 106.99 113.42 1,132,867 1,058,895 147,931
75 Sterling Financial Corp. Spokane 106.89 118.19 8,894,371 8,320,953 1,096,459
76 Horizon Bancorp Michigan City, Ind. 106.73 107.09 905,223 848,150 107,194
77 Montgomery Bancorp. Inc. Sikeston, Mo. 106.32 109.95 765,267 719,757 48,277
78 Boston Private Financial Holdings Inc. 106.26 125.61 5,589,356 5,260,010 644,535
79 Guaranty Bancorp Denver 106.16 105.15 1,656,822 1,560,738 153,607
Beacon Bancorp Taunton, Mass. 106.16 113.86 892,166 840,414 161,586
81 Stearns Financial Services Inc. St. Cloud, Minn. 106.12 131.26 822,691 775,239 166,747
82 W.T.B. Financial Corp. Spokane 106.09 110.12 3,260,144 3,073,057 400,386
83 Eagle Bancorp Inc. Bethesda, Md. 106.06 114.05 1,323,896 1,248,243 145,248
84 Stockman Financial Corp. Miles City, Mont. 105.95 95.88 1,179,079 1,112,838 157,806
85 S.Y. Bancorp Inc. Louisville 105.77 104.96 1,414,276 1,337,080 149,524
86 PrivateBancorp Inc. Chicago 105.73 104.42 8,752,751 8,278,150 1,079,228
87 Wells Fargo & Co. San Francisco 105.68 125.19 869,018,000 822,306,000 114,623,000
88 Independent Bank Corp. Ionia, Mich. 105.52 124.17 2,510,019 2,378,650 175,286
89 KeyCorp Cleveland 105.48 120.53 71,711,747 67,986,111 10,851,254
90 Inland Bancorp Inc. Oak Brook, Ill. 105.27 110.50 878,979 834,950 86,210
91 Frontier Financial Corp. Everett, Wash. 105.14 115.50 3,416,220 3,249,351 269,486
92 SCBT Financial Corp. Columbia, S.C. 105.03 110.14 2,290,015 2,180,366 279,752
93 Bar Harbor Bankshares Maine 104.79 106.46 665,370 634,959 85,413
94 Stark Bank Group Ltd. Fort Dodge, Iowa 104.66 104.78 1,388,770 1,326,966 124,025
95 Fifth Third Bancorp Cincinnati 104.59 111.38 84,768,267 81,048,536 13,699,933
96 Orrstown Financial Services Inc. Shippensburg, Pa. 104.49 111.16 845,472 809,122 106,425
97 Citizens Financial Group Inc. Providence, R.I. 104.41 114.35 104,136,866 99,735,711 20,437,369
98 Banner Corp. Walla Walla, Wash. 104.35 105.76 3,913,081 3,749,843 409,474
99 Lauritzen Corp. Omaha 104.32 112.91 674,980 647,015 451,393
100 Carolina Financial Corp. Charleston, S.C. 104.05 98.80 814,340 782,644 52,518
101 MB Financial Inc. Chicago 104.04 99.39 6,485,359 6,233,525 1,046,790
102 First Financial Bancorp. Cincinnati 103.84 96.40 2,899,147 2,791,845 446,636
103 Central Bancorp Inc. Garland, Texas 103.65 106.86 868,074 837,482 83,542
104 Regions Financial Corp. Birmingham, Ala. 103.59 110.32 98,138,538 94,734,683 18,736,857
105 Virginia Commerce Bancorp Inc. Arlington 103.58 105.46 2,269,864 2,191,474 243,013
106 Valley National Bancorp Wayne, N.J. 103.49 108.07 9,645,973 9,320,447 1,318,896
107 Assabet Valley Bancorp Hudson, Mass. 103.45 109.03 706,472 682,934 73,122
108 BBVA USA Bancshares Inc. Houston 103.41 100.62 37,725,424 36,479,997 12,776,545
109 Fulton Financial Corp. Lancaster, Pa. 103.35 117.67 12,109,257 11,716,297 1,872,928
110 Lakeside Bancorp Inc. Chicago 103.34 114.28 974,599 943,107 90,260
111 Big Sandy Holding Co. Longmont, Colo. 103.17 124.23 1,191,056 1,154,437 71,861
112 Macon Bancorp Franklin, N.C. 103.05 116.41 797,777 774,161 88,108
113 Bancorp Rhode Island Inc. Providence 103.03 101.88 1,117,655 1,084,749 149,188
114 Bank of America Corp. Charlotte 103.00 113.49 1,001,372,926 972,201,429 255,152,421
115 United Bankshares Inc. Charleston, W.Va. 102.90 106.89 5,902,347 5,735,919 756,383
116 Macatawa Bank Corp. Holland, Mich. 102.88 109.00 1,622,706 1,577,310 116,634
117 First Olathe Bancshares Inc. Overland Park, Kan. 102.85 108.37 1,377,190 1,339,017 76,956
118 Hawthorn Bancshares Inc. Lee’s Summit, Mo. 102.64 108.25 1,010,088 984,144 106,585
119 Camden National Corp. Maine 102.60 108.35 1,515,134 1,476,798 177,229
120 Minnwest Corp. Montevideo, Minn. 102.52 108.24 1,415,921 1,381,105 152,664
121 First Chicago Bancorp 102.42 110.07 994,757 971,239 79,861
122 First State Bancorp. Albuquerque 102.18 103.13 2,245,904 2,197,894 129,201
123 CNLBancshares Inc. Orlando 101.95 120.15 1,367,377 1,341,252 156,699
124 Synovus Financial Corp. Columbus, Ga. 101.86 106.18 27,933,298 27,423,814 3,018,361
125 Wilshire Bancorp Inc. Los Angeles 101.85 114.03 2,499,707 2,454,253 269,158
126 Savannah Bancorp Inc. Ga. 101.80 103.90 862,300 847,037 78,980
127 Peoples Bancorp of North Carolina Inc. Newton 101.77 104.66 780,937 767,355 98,459
128 First Mariner Bancorp Baltimore 101.68 103.97 1,114,370 1,095,926 42,143
129 Heritage Commerce Corp. San Jose 101.60 104.23 1,182,172 1,163,547 174,582
130 Independent Bank Corp. Rockland, Mass. 101.53 103.99 3,376,530 3,325,802 397,560
131 Reliance Bancshares Inc. Frontenac, Mo. 101.31 114.63 1,223,414 1,207,572 171,844
132 First Commonwealth Financial Corp. Indiana, Pa. 101.06 95.33 4,536,771 4,489,236 633,310
133 FNB United Corp. Asheboro, N.C. 101.04 107.31 1,656,770 1,639,755 192,727
134 Midwest Banc Holdings Inc. Melrose Park, Ill. 100.82 106.88 2,559,257 2,538,490 219,671
135 Washington Trust Bancorp Inc. Westerly, R.I. 100.72 106.14 1,897,393 1,883,746 242,293
136 Camco Financial Corp. Cambridge, Ohio 100.63 109.02 719,414 714,905 71,930
137 NewAlliance Bancshares Inc. New Haven 100.47 113.90 4,905,941 4,883,187 1,407,248
138 Southern Community Financial Corp. Winston-Salem, N.C. 100.43 105.73 1,259,268 1,253,879 133,699
139 Olney Bancshares of Texas Inc. 100.41 94.41 1,305,081 1,299,762 154,449
140 NEB Corp. Fond Du Lac, Wis. 100.40 105.59 990,392 986,465 236,216
141 FSB Mutual Holdings Inc. Perkasie, Pa. 100.31 97.87 709,022 706,813 151,700
142 Salem Five Bancorp Mass. 100.26 105.05 1,898,058 1,893,151 235,127
143 Indiana Community Bancorp Columbus, Ind. 100.05 110.99 779,915 779,493 88,929
144 Porter Bancorp Inc. Louisville 99.84 105.94 1,362,059 1,364,192 166,143
145 BancPlus Corp. Belzoni, Miss. 99.82 102.62 1,468,164 1,470,798 206,384
146 First Merchants Corp. Muncie, Ind. 99.62 105.52 3,577,299 3,590,923 473,378
147 Bank of Highland Park Financial Corp. Ill. 99.49 96.40 1,173,709 1,179,671 80,520
148 Community Trust Bancorp Inc. Pikeville, Ky. 99.45 99.87 2,380,855 2,393,953 314,774
149 Huntington Bancshares Inc. Columbus, Ohio 99.42 108.39 39,035,502 39,264,577 5,219,218
150 Coppermark Bancshares Inc. Oklahoma City 99.40 105.20 985,833 991,742 89,925

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 Nov. 20, 2009.
Source:

SNL Financial
, Charlottesville, Va.
© 2009 American Banker