Highest Loan/Deposit Ratios Among Bank Holding Companies

September 03, 2010, 3:23 p.m. EDT 1 Min Read

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Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn March 31, 2010. Dollars in thousands Published September 3, 2010
Rank		Loans as a % of deposits		Loans*	Deposits	Equity capital
Rank		March 31	Year earlier	Loans*	Deposits	Equity capital
1	Educational Services of America Inc. Knoxville, Tenn.	972.02%	NA	$1,100,595	$113,228	$200,639
2	MetLife Inc. New York	760.74	886.18%	76,320,603	10,032,429	35,811,390
3	CIT Group Inc. New York	687.64	1,688.96	33,382,955	4,854,710	8,527,761
4	Barclays Group US Inc. Wilmington, Del.	401.21	29,748.00	21,946,000	5,470,000	6,255,000
5	Ally Financial Inc. Detroit	327.37	NA	103,038,000	31,474,000	20,548,000
6	American Express Co. New York	269.67	277.39	90,742,532	33,648,853	13,425,327
7	Utrecht-America Holdings Inc. New York	248.85	289.98	14,062,527	5,651,004	301,135
8	First National Banker's Bankshares Inc. Baton Rouge	174.51	150.03	490,865	281,288	132,474
9	United National Corp. Sioux Falls, S.D.	153.63	206.76	1,211,426	788,555	648,528
10	Cass Information Systems Inc. Bridgeton, Mo.	149.76	193.40	664,824	443,939	134,484
11	BBVA PR Holding Corp. San Juan, Puerto Rico	141.17	130.61	3,761,915	2,664,722	548,680
12	Discover Financial Services Riverwoods, Ill.	139.07	NA	49,807,053	35,813,613	7,037,816
13	HSBC North America Holdings Inc. New York	133.21	150.30	157,294,415	118,083,553	27,014,783
14	New York Community Bancorp Inc. Westbury	126.55	155.30	28,941,747	22,869,523	5,413,461
15	Lauritzen Corp. Omaha	125.58	107.03	816,816	650,409	484,016
16	Doral GP Ltd. San Juan, Puerto Rico	124.27	135.59	5,699,105	4,586,209	3
17	TCF Financial Corp. Wayzata, Minn.	123.23	117.96	14,706,423	11,934,083	1,381,820
18	Rockville Financial MHC Inc. Vernon Rockville, Conn.	121.18	124.13	1,367,994	1,128,887	99,717
19	Republic Bancorp Inc. Louisville	120.00	118.15	2,278,989	1,899,130	357,214
20	Santander BanCorp Guaynabo, Puerto Rico	119.96	114.61	5,383,548	4,487,840	619,019
21	First Horizon National Corp. Memphis	119.38	142.29	17,990,682	15,070,362	2,975,777
22	Texas Capital Bancshares Inc. Dallas	114.21	147.69	5,036,475	4,409,829	499,996
23	Investors Bancorp MHC Short Hills, N.J.	113.83	117.44	6,884,188	6,047,935	489,265
24	Machias Bancorp MHC Maine	112.86	123.21	861,302	763,142	105,976
25	Summit Financial Group Inc. Moorefield, W.Va.	111.84	126.58	1,130,777	1,011,036	90,534
26	BTC Financial Corp. Des Moines	111.18	104.16	2,008,826	1,806,852	157,479
27	Capital One Financial Corp. McLean, Va.	111.06	87.88	130,818,581	117,786,568	24,374,382
28	Wilmington Trust Corp. Del.	110.96	113.47	8,694,613	7,835,570	1,554,019
29	Cardinal Financial Corp. McLean, Va.	109.46	114.44	1,451,618	1,326,138	208,590
30	State Bankshares Inc. Fargo, N.D.	109.38	111.78	1,765,031	1,613,726	151,616
31	Smithtown Bancorp Inc. Hauppauge, N.Y.	109.02	109.17	2,041,477	1,872,587	122,817
32	Liberty Bancshares Inc. Springfield, Mo.	108.67	113.05	839,594	772,640	75,133
33	M&T Bank Corp. Buffalo	108.22	115.16	51,444,041	47,538,405	7,915,687
34	QCR Holdings Inc. Moline, Ill.	107.77	110.99	1,238,554	1,149,289	126,236
35	Pacific Continental Corp. Eugene, Ore.	107.38	131.30	928,223	864,458	167,808
36	Susquehanna Bancshares Inc. Lititz, Pa.	106.97	106.85	9,961,666	9,312,616	2,298,207
37	Hills Bancorp. Iowa	105.60	109.53	1,539,546	1,457,890	175,338
38	Mercantile Bank Corp. Grand Rapids	105.45	107.68	1,497,624	1,420,209	138,221
39	Ida Grove Bancshares Inc. Iowa	105.38	114.11	877,261	832,487	93,423
40	Macatawa Bank Corp. Holland, Mich.	105.02	104.69	1,439,608	1,370,767	66,917
41	PlainsCapital Corp. Dallas	104.95	119.46	3,499,489	3,334,500	422,360
42	Bank of America Corp. Charlotte	104.76	107.26	1,024,966,633	978,400,417	229,823,277
43	Crescent Financial Corp. Cary, N.C.	104.32	107.66	744,622	713,792	90,471
44	Spirit Bankcorp Inc. Bristow, Okla.	104.20	118.89	1,069,455	1,026,382	104,780
45	Salem Five Bancorp Mass.	103.90	98.06	1,815,736	1,747,656	253,805
46	U.S. Bancorp Minneapolis	103.86	116.16	191,140,000	184,039,000	26,709,000
47	FSB Mutual Holdings Inc. Perkasie, Pa.	103.66	100.74	720,906	695,471	152,960
48	Franklin Financial Services Corp. Chambersburg, Pa.	103.13	106.35	750,323	727,528	80,623
49	First BanCorp. San Juan, Puerto Rico	102.97	115.72	13,261,181	12,878,234	1,488,543
50	BancWest Corp. San Francisco	102.66	115.55	51,703,644	50,363,218	7,548,715
51	Lakeside Bancorp Inc. Chicago	102.65	110.99	959,426	934,642	92,702
52	Comerica Inc. Dallas	102.12	115.59	40,874,314	40,025,043	5,665,518
53	Wells Fargo & Co. San Francisco	101.94	110.95	821,307,000	805,693,000	116,142,000
54	Camden National Corp. Maine	101.90	99.82	1,530,066	1,501,478	195,158
55	Beacon Bancorp Taunton, Mass.	101.85	107.75	895,068	878,846	172,539
56	Southwest Bancorp Inc. Stillwater, Okla.	101.71	111.70	2,597,832	2,554,166	315,341
57	Taylor Capital Group Inc. Rosemont, Ill.	101.66	102.11	3,006,771	2,957,721	253,800
58	Marshall & Ilsley Corp. Milwaukee	101.60	124.50	42,648,807	41,975,933	6,859,060
59	S&T Bancorp Inc. Indiana, Pa.	101.57	108.47	3,398,403	3,345,816	560,743
60	Bancorp Rhode Island Inc. Providence	101.51	104.67	1,123,838	1,107,128	123,679
61	Hanmi Financial Corp. Los Angeles	101.21	103.81	2,682,891	2,650,850	101,022
62	Bar Harbor Bankshares Maine	101.10	105.35	672,112	664,816	99,659
63	Paragon Commercial Corp. Raleigh	100.82	101.97	970,455	962,583	71,386
64	First Connecticut Bancorp Inc. Farmington	100.72	97.51	1,064,130	1,056,478	95,502
65	S.Y. Bancorp Inc. Louisville	100.70	107.43	1,445,041	1,435,014	157,336
66	RBC Bancorp. USA Raleigh	100.22	106.62	19,515,115	19,473,200	4,278,522
67	Eastern Virginia Bankshares Inc. Tappahannock	100.02	96.88	859,102	858,960	106,658
68	First Bancorp Inc. Damariscotta, Maine	99.96	100.43	939,159	939,547	148,542
69	Capital Bank Corp. Raleigh	99.66	95.20	1,376,084	1,380,832	138,792
70	Fremont Bancorp. Calif.	99.38	108.33	1,817,419	1,828,782	115,192
71	Olney Bancshares of Texas Inc.	99.22	97.22	1,350,876	1,361,557	164,227
72	SunTrust Banks Inc. Atlanta	99.10	109.98	117,676,438	118,749,436	22,514,209
73	Lakeland Financial Corp. Warsaw, Ind.	99.08	95.48	2,012,596	2,031,212	286,543
74	Washington Trust Bancorp Inc. Westerly, R.I.	99.03	99.42	1,942,182	1,961,239	259,529
75	Fulton Financial Corp. Lancaster, Pa.	98.87	106.11	12,018,638	12,156,455	1,969,838
76	First Commonwealth Financial Corp. Indiana, Pa.	98.76	103.20	4,595,409	4,652,906	633,079
77	Virginia Commerce Bancorp Inc. Arlington	98.63	102.23	2,268,568	2,299,989	224,259
78	First Bancorp Inc. Lebanon, Va.	98.59	108.59	960,493	974,211	94,047
79	Central Bancshares Inc. Lexington, Ky.	98.46	101.78	1,729,726	1,756,868	151,912
80	Hawthorn Bancshares Inc. Lee's Summit, Mo.	98.42	101.36	974,188	989,796	107,551
81	Home BancShares Inc. Conway, Ark.	98.40	107.09	2,185,551	2,221,088	478,338
82	Independent Bank Corp. Rockland, Mass.	98.34	100.83	3,419,066	3,476,682	418,224
83	Cascade Financial Corp. Everett, Wash.	98.19	122.73	1,152,106	1,173,352	104,253
84	Citizens Financial Group Inc. Providence, R.I.	98.10	110.93	93,681,396	95,499,706	22,383,323
85	Valley National Bancorp Wayne, N.J.	98.04	104.88	9,588,193	9,779,615	1,259,252
86	Bryn Mawr Bank Corp. Pa.	97.91	101.08	895,314	914,404	106,271
87	Glacier Bancorp Inc. Kalispell, Mont.	97.77	126.25	4,071,955	4,164,845	838,455
88	Washington Banking Co. Oak Harbor	97.56	109.26	824,914	845,571	161,192
89	Boston Private Financial Holdings Inc.	97.46	109.54	4,368,571	4,482,327	610,180
90	Green Bankshares Inc. Greeneville, Tenn.	97.37	109.75	1,994,629	2,048,558	230,189
91	Bank of Highland Park Financial Corp. Ill.	97.26	97.71	1,110,150	1,141,405	79,963
92	BancIndependent Inc. Sheffield, Ala.	97.24	91.89	752,674	774,059	87,264
93	River Valley Bancorp. Inc. Wausau, Wis.	97.06	100.19	761,936	784,977	67,758
94	Nara Bancorp Inc. Los Angeles	96.90	100.04	2,210,943	2,281,792	363,820
95	Bangor Bancorp MHC Maine	96.84	107.77	1,632,653	1,685,884	251,795
96	United Bankshares Inc. Charleston, W.Va.	96.75	105.59	5,603,716	5,791,917	769,050
97	Eagle Bancorp Inc. Bethesda, Md.	96.71	110.62	1,428,312	1,476,959	192,468
98	Dearborn Bancorp Inc. Mich.	96.35	99.23	820,894	852,017	43,180
99	Stark Bank Group Ltd. Fort Dodge, Iowa	96.33	102.06	1,152,766	1,196,638	116,770
100	Savannah Bancorp Inc. Ga.	96.31	102.67	868,516	901,792	77,905
101	Carolina Financial Corp. Charleston, S.C.	96.26	105.29	724,923	753,057	56,635
102	KeyCorp Cleveland	96.23	113.30	62,737,026	65,195,041	10,640,746
103	Community Trust Bancorp Inc. Pikeville, Ky.	96.01	98.12	2,429,264	2,530,234	324,879
104	Banner Corp. Walla Walla, Wash.	95.82	107.94	3,688,857	3,849,778	406,724
105	Tennessee Commerce Bancorp Inc. Franklin	95.67	100.79	1,186,171	1,239,835	98,407
106	Fishback Financial Corp. Brookings, S.D.	95.45	95.41	1,222,918	1,281,160	132,606
107	Patriot Bancshares Inc. Houston	95.39	125.84	1,006,870	1,055,531	105,337
108	First Co Bancorp Inc. Collinsville, Ill.	95.33	93.02	800,556	839,735	85,694
109	Harris Financial Corp. Wilmington, Del.	95.15	94.00	29,433,217	30,932,468	5,615,442
110	Commonwealth Bankshares Inc. Norfolk	95.14	130.16	1,002,153	1,053,368	79,102
	Four Oaks Fincorp Inc. N.C.	95.14	93.61	722,468	759,353	66,564
112	Wintrust Financial Corp. Lake Forest, Ill.	95.09	93.62	9,247,589	9,724,870	1,364,832
113	First Bancshares Inc. Merrillville, Ind.	95.02	89.37	1,640,802	1,726,874	128,958
114	Firstbank Corp. Alma, Mich.	94.96	110.06	1,099,860	1,158,288	146,867
115	Johnson Financial Group Inc. Racine, Wis.	94.64	95.70	4,400,798	4,649,970	340,467
116	Enterprise Financial Services Corp. Clayton, Mo.	94.63	112.66	1,801,819	1,904,055	175,234
117	FNB United Corp. Asheboro, N.C.	94.54	101.61	1,591,361	1,683,281	94,800
118	NewAlliance Bancshares Inc. New Haven	94.52	105.69	4,801,628	5,079,975	1,442,012
119	Peoples Bancorp Lynden, Wash.	94.46	96.23	920,672	974,666	106,607
120	Union First Market Bankshares Corp. Richmond, Va.	94.39	95.35	2,900,799	3,073,259	414,801
121	Fifth Third Bancorp Cincinnati	94.31	106.45	79,030,078	83,797,203	13,407,522
122	Sterling Financial Corp. Spokane	94.15	106.48	7,194,261	7,641,560	245,461
123	Heritage Commerce Corp. San Jose	94.07	103.82	1,017,568	1,081,695	168,089
124	Big Sandy Holding Co. Longmont, Colo.	94.03	111.39	1,116,170	1,187,035	72,444
125	East West Bancorp Inc. Pasadena, Calif.	93.77	95.25	13,739,453	14,652,198	2,305,789
126	Assabet Valley Bancorp Hudson, Mass.	93.75	108.91	683,585	729,132	76,769
127	Parkway Bancorp Inc. Harwood Heights, Ill.	93.68	93.49	1,952,201	2,083,973	172,651
128	Horizon Bancorp Michigan City, Ind.	93.66	96.35	818,102	873,522	115,716
129	Minnwest Corp. Montevideo, Minn.	93.62	106.10	1,285,072	1,372,594	143,624
130	Center Financial Corp. Los Angeles	93.60	99.88	1,521,367	1,625,407	257,125
131	NRBC Holding Corp. Chicago	93.41	91.85	1,038,058	1,111,330	114,925
132	Macon Bancorp Franklin, N.C.	93.38	106.69	756,106	809,747	80,988
133	CNLBancshares Inc. Orlando	93.35	110.30	1,235,630	1,323,669	146,409
134	PacWest Bancorp San Diego	93.34	115.38	3,878,299	4,155,180	474,844
135	Zions Bancorp. Salt Lake City	93.25	97.53	39,259,070	42,099,561	5,842,206
136	Bank of Marin Bancorp Novato, Calif.	93.22	107.23	920,356	987,343	112,512
137	Farmers and Merchants Investment Inc. Lincoln, Neb.	93.18	96.02	2,001,374	2,147,955	209,037
138	Peoplesbancorp MHC Holyoke, Mass.	93.05	115.42	1,005,410	1,080,520	135,816
139	NewBridge Bancorp Greensboro, N.C.	92.83	92.39	1,434,443	1,545,252	164,732
140	Southern Community Financial Corp. Winston-Salem, N.C.	92.69	100.47	1,211,439	1,306,954	116,882
141	Northwest Financial Corp. Arnolds Park, Iowa	92.45	91.51	955,171	1,033,170	115,420
142	Standard Bancshares Inc. Hickory Hills, Ill.	92.38	95.82	1,851,127	2,003,902	250,946
143	Metropolitan Bank Group Inc. Chicago	92.37	89.92	2,287,863	2,476,714	299,771
144	OceanPoint Financial Partners MHC Newport, R.I.	92.36	100.99	767,050	830,529	100,897
145	First Merchants Corp. Muncie, Ind.	92.34	99.40	3,138,186	3,398,467	488,941
146	Coppermark Bancshares Inc. Oklahoma City	92.27	97.15	952,509	1,032,285	95,687
147	National Penn Bancshares Inc. Boyertown, Pa.	92.26	95.57	5,915,219	6,411,364	1,070,788
148	Hampton Roads Bankshares Inc. Norfolk	92.25	114.21	2,366,315	2,565,154	156,509
149	Sun Bancorp Inc. Vineland, N.J.	92.23	93.45	2,697,568	2,924,815	356,129
150	Huntington Bancshares Inc. Columbus, Ohio	92.21	101.90	37,245,871	40,391,021	5,368,915
151	Amarillo National Bancorp Inc. Texas	92.09	94.21	2,028,929	2,203,118	293,123
	First National Bank Group Inc. Edinburg, Texas	92.09	84.92	2,663,151	2,891,838	177,552
153	MetroCorp Bancshares Inc. Houston	92.07	96.91	1,260,841	1,369,469	152,211
154	First Chester County Corp. West Chester, Pa.	92.05	107.45	987,546	1,072,840	53,683
	Old Point Financial Corp. Hampton, Va.	92.05	97.58	631,907	686,475	80,514
156	Inland Bancorp Inc. Oak Brook, Ill.	91.92	107.53	874,079	950,947	88,401
157	Peoples Bancorp of North Carolina Inc. Newton	91.83	103.74	769,401	837,873	100,135
158	Enterprise Bancorp Inc. Lowell, Mass.	91.82	97.88	1,091,210	1,188,474	110,449
	ServisFirst Bancshares Inc. Birmingham, Ala.	91.82	91.35	1,240,025	1,350,560	102,034
160	BB&T Corp. Winston-Salem, N.C.	91.79	110.58	104,400,506	113,741,797	16,468,395
161	Chinatrust Capital Corp. Torrance, Calif.	91.77	94.43	1,269,170	1,383,001	287,720
162	Porter Bancorp Inc. Louisville	91.66	98.43	1,361,216	1,485,040	172,737
	Sinopac Bancorp Los Angeles	91.66	88.24	1,258,616	1,373,086	245,824
164	Heritage Oaks Bancorp Paso Robles, Calif.	91.63	105.88	728,858	795,416	135,219
165	Tower Bancorp Inc. Harrisburg, Pa.	91.52	99.96	1,168,315	1,276,501	164,387
166	Popular Inc. Hato Rey, Puerto Rico	91.42	94.12	23,184,000	25,360,000	2,487,000
167	Shore Bancshares Inc. Easton, Md.	91.36	104.01	905,194	990,749	125,108
168	Lakeland Bancorp Inc. Oak Ridge, N.J.	91.13	99.81	2,008,116	2,203,496	272,684
169	Bremer Financial Corp. St. Paul	91.12	101.72	5,455,524	5,987,339	737,580
170	First State Bancshares Inc. Farmington, Mo.	91.11	90.77	795,917	873,579	104,235
171	Reliance Bancshares Inc. Frontenac, Mo.	91.09	97.42	1,104,609	1,212,683	148,224
172	First Midwest Bancorp Inc. Itasca, Ill.	91.06	100.80	5,340,243	5,864,766	1,143,768
173	Stockman Financial Corp. Miles City, Mont.	91.02	99.48	1,202,592	1,321,170	169,066
174	Pinnacle Financial Partners Inc. Nashville	91.00	93.27	3,491,147	3,836,362	700,261
175	StellarOne Corp. Charlottesville, Va.	90.93	96.50	2,191,350	2,409,931	422,492
176	F.N.B. Corp. Hermitage, Pa.	90.88	94.48	5,901,571	6,494,106	1,047,395
	Old Second Bancorp Inc. Aurora, Ill.	90.88	93.01	1,967,059	2,164,465	187,740
178	First Olathe Bancshares Inc. Overland Park, Kan.	90.87	104.18	1,222,854	1,345,675	28,920
179	Univest Corp. of Pennsylvania Souderton	90.86	92.53	1,428,970	1,572,681	267,850
180	Regions Financial Corp. Birmingham, Ala.	90.77	104.49	89,268,129	98,344,854	17,638,198
	Star Financial Group Inc. Fort Wayne, Ind.	90.77	95.69	1,193,615	1,314,964	133,857
182	First Bancorp Troy, N.C.	90.76	102.34	2,608,556	2,874,037	345,629
183	LegacyTexas Group Inc. Plano	90.72	93.55	1,179,624	1,300,334	90,668
184	Citigroup Inc. New York	90.71	89.89	751,017,000	827,914,000	151,421,000
185	Synovus Financial Corp. Columbus, Ga.	90.54	100.10	24,608,230	27,180,048	2,616,743
186	Dacotah Banks Inc. Aberdeen, S.D.	90.48	91.95	1,323,236	1,462,420	158,213
187	Heritage Financial Corp. Olympia, Wash.	90.37	93.68	757,991	838,808	159,630
188	Whitney Holding Corp. New Orleans	90.32	97.58	8,096,440	8,963,848	1,676,240
189	Guaranty Bancorp Denver	90.25	107.47	1,446,578	1,602,904	190,980
	Longview Financial Corp. Texas	90.25	87.40	973,428	1,078,626	112,950
191	Center Bancorp Inc. Union, N.J.	90.08	88.24	713,906	792,510	104,603
192	BancPlus Corp. Belzoni, Miss.	90.05	97.15	1,489,702	1,654,310	212,241
	BBVA USA Bancshares Inc. Houston	90.05	102.65	41,616,114	46,215,204	11,844,420
194	Orrstown Financial Services Inc. Shippensburg, Pa.	90.04	105.84	898,276	997,675	151,982
195	Traditional Bancorp. Inc. Mount Sterling, Ky.	89.98	94.49	716,231	796,007	85,242
196	Bank of the Ozarks Inc. Little Rock	89.87	86.93	2,024,304	2,252,455	283,513
197	ACNB Corp. Gettysburg, Pa.	89.80	91.05	659,333	734,240	90,384
	BancorpSouth Inc. Tupelo, Miss.	89.80	98.84	9,798,588	10,911,713	1,264,884
199	First National Community Bancorp Inc. Dunmore, Pa.	89.76	101.97	945,619	1,053,483	92,691
200	First Financial Corp. Terre Haute, Ind.	89.71	93.90	1,620,690	1,806,542	316,095

Among 500 top-tier bank holding companies that file Y-9C statements 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. 25, 2010.

Source:

SNL Financial