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 March 31, 2011. Dollars in thousands
Published September 2, 2011

Rank   Loans as a % of deposits Loans* Deposits Equity capital
March 31 Year earlier
1 Discover Financial Services Riverwoods, Ill. 146.75% 139.07% $51,625,584 $35,179,005 $7,002,137
2 Goldman Sachs Group Inc. New York 137.67 88.12 53,177,000 38,626,000 72,469,000
3 Barclays Delaware Holdings LLC Wilmington 137.09 NA 9,461,805 6,901,763 2,072,411
4 United National Corp. Sioux Falls, S.D. 136.08 153.63 1,220,285 896,759 699,262
5 Cass Information Systems Inc. Bridgeton, Mo. 135.00 149.76 709,622 525,648 147,348
6 Doral Financial Corp. San Juan, Puerto Rico 130.28 NA 5,844,475 4,486,248 860,705
7 New York Community Bancorp Inc. Westbury 128.73 126.55 28,675,115 22,276,019 5,540,586
8 TCF Financial Corp. Wayzata, Minn. 122.32 123.23 14,796,541 12,096,180 1,707,944
9 Investors Bancorp MHC Short Hills, N.J. 122.05 113.83 8,264,478 6,771,651 525,878
10 BBVA PR Holding Corp. San Juan, Puerto Rico 121.03 141.17 3,543,176 2,927,443 557,480
11 Brookline Bancorp Inc. Mass. 118.55 NA 2,525,204 2,130,057 497,582
12 First National Bankers Bankshares Inc. Baton Rouge, La. 117.64 174.51 425,753 361,902 133,215
13 Rockville Financial Inc. Vernon Rockville, Conn. 114.38 121.18 1,432,718 1,252,541 336,074
14 Lauritzen Corp. Omaha, Neb. 114.15 125.58 768,685 673,376 516,401
15 Cardinal Financial Corp. McLean, Va. 114.05 109.46 1,581,785 1,386,913 229,344
16 Santander BanCorp Guaynabo, Puerto Rico 111.68 119.96 5,252,877 4,703,475 727,511
17 Norway Bancorp MHC Maine 111.19 116.69 776,683 698,493 101,351
18 Republic Bancorp Inc. Louisville, Ky. 107.68 120.00 2,180,267 2,024,711 440,435
19 HSBC North America Holdings Inc. New York 107.09 133.21 135,825,496 126,838,046 32,462,345
20 First Horizon National Corp. Memphis, Tenn. 106.46 119.38 16,343,823 15,352,138 2,344,892
21 BTC Financial Corp. Des Moines, Iowa 105.94 111.18 2,113,853 1,995,262 166,192
22 Texas Capital Bancshares Inc. Dallas 105.77 114.21 5,523,312 5,222,001 544,925
23 Bancorp Rhode Island Inc. Providence 104.76 101.51 1,154,448 1,101,990 130,192
24 State Bankshares Inc. Fargo, N.D. 104.61 109.38 1,828,518 1,747,967 162,328
25 Ida Grove Bancshares Inc. Iowa 104.60 105.38 911,046 870,986 101,947
26 Liberty Bancshares Inc Springfield, Mo. 104.54 108.67 900,224 861,088 85,385
27 Southwest Bancorp Inc. Stillwater, Okla. 104.34 101.71 2,314,928 2,218,571 379,350
28 Machias Bancorp MHC Maine 104.16 112.86 827,704 794,659 114,420
29 Hills Bancorp. Iowa 103.63 105.60 1,606,974 1,550,650 193,205
30 Susquehanna Bancshares Inc. Lititz, Pa. 103.52 106.97 9,607,998 9,281,133 1,999,492
31 Lakeside Bancorp Inc. Chicago 103.43 102.65 953,293 921,723 91,439
32 Bar Harbor Bankshares Maine 103.28 101.10 727,658 704,543 104,950
33 M&T Bank Corp. Buffalo, N.Y. 103.11 108.22 52,118,681 50,548,099 8,507,518
34 Lake Michigan Financial Corp. Holland, Mich. 101.57 103.24 779,411 767,371 66,333
35 Independent Bank Corp. Rockland, Mass. 101.43 98.34 3,636,745 3,585,593 447,985
36 Clayton Bancorp Inc Knoxville, Tenn. 101.42 101.70 735,413 725,114 117,953
37 BancWest Corp. San Francisco 101.40 102.66 51,115,004 50,411,583 7,995,305
38 FSB Mutual Holdings Inc. Perkasie, Pa. 101.18 103.66 701,580 693,428 151,000
39 Nara Bancorp Inc. Los Angeles 100.86 96.90 2,194,801 2,176,098 364,336
40 Franklin Financial Services Corp. Chambersburg, Pa. 100.70 103.13 763,518 758,218 84,340
41 Wilshire Bancorp Inc. Los Angeles 100.43 83.57 2,283,884 2,274,147 177,753
42 First Connecticut Bancorp Inc. Farmington 100.27 100.72 1,178,858 1,175,637 95,977
43 S.Y. Bancorp Inc. Louisville, Ky. 100.24 100.70 1,520,117 1,516,528 173,361
44 S&T Bancorp Inc. Indiana, Pa. 99.95 101.57 3,304,321 3,305,839 580,115
45 Cascade Bancorp Bend, Ore. 99.86 84.57 1,173,580 1,175,184 209,543
46 Salem Five Bancorp Mass. 99.73 103.90 1,889,285 1,894,360 269,620
47 Capital One Financial Corp. McLean, Va. 99.42 111.06 124,722,093 125,446,270 27,550,099
48 Camden National Corp. Maine 99.39 101.90 1,536,463 1,545,957 210,725
49 ATBancorp Dubuque, Iowa 99.31 97.43 755,800 761,046 75,482
50 Washington Trust Bancorp Inc. Westerly, R.I. 99.21 99.03 2,032,622 2,048,861 273,885
51 Bank of Commerce Holdings Redding, Calif. 99.00 101.06 621,839 628,089 103,528
52 Eagle Bancorp Inc. Bethesda, Md. 98.67 96.71 1,802,543 1,826,880 210,206
53 RBC USA Holdco Corp. New York 98.50 NA 21,082,496 21,403,176 9,766,289
54 Commonwealth Bankshares Inc. Norfolk, Va. 98.48 95.14 897,937 911,776 21,337
55 Valley National Bancorp Wayne, N.J. 98.34 98.04 9,560,777 9,722,375 1,307,524
56 Boston Private Financial Holdings Inc. 98.17 97.46 4,459,732 4,542,889 522,111
57 BB&T Corp. Winston-Salem, N.C. 98.11 91.79 104,886,756 106,912,573 16,611,429
58 Sinopac Bancorp Los Angeles 97.88 91.66 1,078,184 1,101,580 337,592
59 Cathay General Bancorp El Monte, Calif. 97.31 88.63 6,888,871 7,079,308 1,443,729
60 First Community Financial Partners Inc. Joliet, Ill. 97.28 103.17 783,128 805,011 77,764
61 First BanCorp. San Juan, Puerto Rico 97.06 102.97 11,372,004 11,716,436 1,027,269
62 Virginia Commerce Bancorp Inc. Arlington 96.74 98.63 2,183,424 2,256,970 253,373
63 QCR Holdings Inc. Moline, Ill. 96.73 107.77 1,155,768 1,194,858 131,205
64 Olney Bancshares of Texas Inc. 96.71 99.22 1,416,079 1,464,248 173,250
65 Mercantile Bank Corp. Grand Rapids, Mich. 96.27 105.45 1,206,885 1,253,644 126,814
66 Fulton Financial Corp. Lancaster, Pa. 95.93 98.87 11,904,111 12,408,610 1,910,322
67 Bank of America Corp. Charlotte, N.C. 95.71 104.76 978,376,121 1,022,276,597 230,875,931
68 U.S. Bancorp Minneapolis 95.66 103.86 199,256,000 208,293,000 30,507,000
69 Patriot Bancshares Inc. Houston 95.61 95.39 968,128 1,012,541 107,485
70 Stearns Financial Services Inc. St. Cloud, Minn. 95.57 88.13 972,362 1,017,452 202,276
71 Popular Inc. Hato Rey, Puerto Rico 95.51 91.42 25,976,000 27,196,000 3,805,000
72 Fifth Third Bancorp Cincinnati 95.40 94.31 78,756,066 82,554,473 12,162,045
73 Beacon Bancorp Taunton, Mass. 94.77 101.85 916,411 966,939 184,447
74 Citizens Financial Group Inc. Providence, R.I. 94.67 98.10 87,018,434 91,921,121 22,841,946
75 River Valley Bancorp. Inc. Wausau, Wis. 94.64 97.06 754,841 797,570 68,541
76 SunTrust Banks Inc. Atlanta 94.45 99.10 117,138,097 124,025,761 19,092,825
77 Spirit Bankcorp Inc. Bristow, Okla. 94.07 104.20 1,015,584 1,079,635 97,634
78 Franklin Resources Inc. San Mateo, Calif. 94.03 64.47 738,794 785,683 8,327,608
79 Banner Corp. Walla Walla, Wash. 93.94 95.82 3,326,081 3,540,648 504,743
NRBC Holding Corp. Chicago 93.94 93.41 1,086,577 1,156,696 122,728
81 Farmers and Merchants Investment Inc. Lincoln, Neb. 93.91 93.18 1,885,330 2,007,630 225,953
82 Summit Financial Group Inc. Moorefield, W.Va. 93.84 111.84 996,717 1,062,119 89,329
83 Tower Bancorp Inc. Harrisburg, Pa. 93.77 91.52 2,089,137 2,227,929 253,946
84 Wells Fargo & Co. San Francisco 93.76 101.94 785,704,000 838,006,000 133,471,000
85 Central Bancshares Inc. Lexington, Ky. 93.66 98.46 1,725,975 1,842,847 158,667
86 Comerica Inc. Dallas 93.28 102.12 39,200,540 42,026,544 5,877,117
87 Union First Market Bankshares Corp. Richmond, Va. 93.10 94.39 2,857,512 3,069,359 435,489
88 Bryn Mawr Bank Corp. Pa. 92.78 97.91 1,221,003 1,316,079 170,639
89 Huntington Bancshares Inc. Columbus, Ohio 92.73 92.21 38,398,313 41,409,057 5,038,192
90 Community Trust Bancorp Inc. Pikeville, Ky. 92.65 96.01 2,587,000 2,792,235 344,512
91 Wintrust Financial Corp. Lake Forest, Ill. 92.64 95.09 10,112,101 10,915,169 1,453,253
92 Amarillo National Bancorp Inc. Texas 92.53 92.09 2,064,061 2,230,781 330,555
93 First National Bank Group Inc. Edinburg, Texas 92.51 92.09 2,647,811 2,862,151 190,980
94 Bank of Highland Park Financial Corp. Ill. 92.21 97.26 885,110 959,871 75,824
95 Taylor Capital Group Inc. Rosemont, Ill. 92.20 101.66 2,836,759 3,076,858 229,039
96 Longview Financial Corp. Texas 92.17 90.25 1,083,645 1,175,710 125,006
97 Fidelity Southern Corp. Atlanta 92.16 89.38 1,546,498 1,678,033 141,555
98 First Bancorp Inc. Lebanon, Va. 92.15 98.59 952,894 1,034,017 101,623
99 Lakeland Financial Corp. Warsaw, Ind. 91.83 99.08 2,105,063 2,292,467 251,053
100 Bangor Bancorp MHC Maine 91.63 96.84 1,661,425 1,813,118 267,801
101 Republic Bancorp Co. Oak Brook, Ill. 91.58 88.83 1,143,290 1,248,414 149,016
102 NewBridge Bancorp Greensboro, N.C. 91.54 92.83 1,332,214 1,455,296 161,386
103 USAmeriBancorp Inc. Clearwater, Fla. 91.53 96.89 1,474,030 1,610,490 120,264
104 Synovus Financial Corp. Columbus, Ga. 91.45 90.54 21,220,725 23,205,879 2,882,605
United Bankshares Inc. Charleston, W.Va. 91.45 96.75 5,223,848 5,711,939 799,463
106 Big Sandy Holding Co. Longmont, Colo. 91.32 94.03 966,714 1,058,607 29,780
Macatawa Bank Corp. Holland, Mich. 91.32 105.02 1,154,934 1,264,665 69,153
108 Savannah Bancorp Inc. Ga. 91.20 96.31 819,152 898,171 85,870
109 Bank of the Ozarks Inc. Little Rock, Ark. 91.16 89.87 2,351,961 2,580,043 334,830
110 Associated Banc-Corp Green Bay, Wis. 90.85 77.68 12,740,815 14,023,643 3,194,714
111 KeyCorp Cleveland 90.84 96.23 55,297,039 60,874,154 9,423,878
112 Pacific Continental Corp. Eugene, Ore. 90.82 107.38 842,665 927,870 173,750
113 Provident Financial Services Inc. Iselin, N.J. 90.79 88.22 4,457,128 4,909,462 926,106
114 Zions Bancorp. Salt Lake City 90.74 93.25 36,835,983 40,596,564 6,745,852
115 Chinatrust Capital Corp. Torrance, Calif. 90.61 91.77 845,377 932,939 511,093
116 Paragon Commercial Corp. Raleigh, N.C. 90.57 100.82 820,021 905,411 65,786
117 Hawthorn Bancshares Inc. Lee's Summit, Mo. 90.52 98.42 874,481 966,026 101,945
118 Trinity Capital Corp. Los Alamos, N.M. 90.48 87.98 1,191,078 1,316,452 125,031
119 Amboy Bancorp. Old Bridge, N.J. 90.35 84.63 1,548,079 1,713,439 124,246
120 Encore Bancshares Inc. Houston 90.21 87.92 938,949 1,040,792 167,914
121 Eastern Virginia Bankshares Inc. Tappahannock 90.17 100.02 766,087 849,624 92,839
122 Crescent Financial Corp. Cary, N.C. 90.12 104.32 653,588 725,202 71,668
123 Bank of Marin Bancorp Novato, Calif. 89.94 93.22 978,950 1,088,429 125,484
124 Heritage Financial Corp. Olympia, Wash. 89.85 90.37 988,758 1,100,513 203,333
125 Shore Bancshares Inc. Easton, Md. 89.68 91.36 884,715 986,486 120,926
126 Enterprise Bancorp Inc. Lowell, Mass. 89.62 91.82 1,151,654 1,285,046 119,105
127 BancIndependent Inc. Sheffield, Ala. 89.43 97.24 753,727 842,819 91,965
128 Hanmi Financial Corp. Los Angeles 89.39 101.21 2,173,415 2,431,449 184,051
Park National Corp. Newark, Ohio 89.39 87.25 4,750,975 5,314,678 745,238
130 Independent Bank Group Inc. McKinney, Texas 89.20 97.17 874,986 980,970 76,801
131 First Bancshares Inc. Merrillville, Ind. 88.88 95.02 1,608,226 1,809,334 144,386
132 F.N.B. Corp. Hermitage, Pa. 88.85 90.88 6,566,206 7,390,311 1,128,414
133 South Shore Bancorp MHC South Weymouth, Mass. 88.80 92.50 589,957 664,398 92,436
134 Pacific Mercantile Bancorp Costa Mesa, Calif. 88.78 83.05 736,710 829,832 64,311
135 STAR Financial Group Inc. Fort Wayne, Ind. 88.60 90.77 1,137,102 1,283,482 137,638
136 National Penn Bancshares Inc. Boyertown, Pa. 88.41 92.26 5,245,146 5,933,016 1,097,609
137 Northwest Financial Corp. Arnolds Park, Iowa 88.33 92.45 960,773 1,087,729 123,625
138 Lakeland Bancorp Inc. Oak Ridge, N.J. 88.32 91.13 1,977,446 2,238,999 245,071
139 Tennessee Commerce Bancorp Inc. Franklin 88.22 95.67 1,208,610 1,370,057 116,210
140 BCB Bancorp Inc. Bayonne, N.J. 88.10 84.36 774,355 878,912 99,981
141 Macon Bancorp Franklin, N.C. 88.08 93.38 689,078 782,372 56,330
142 First Commonwealth Financial Corp. Indiana, Pa. 88.00 98.76 4,074,270 4,629,969 752,132
143 PrivateBancorp Inc. Chicago 87.98 87.40 9,348,369 10,625,976 1,238,027
144 StellarOne Corp. Charlottesville, Va. 87.85 90.93 2,077,815 2,365,233 428,869
145 First NBC Bank Holding Co. New Orleans 87.78 85.72 1,186,282 1,351,387 141,427
146 First Merchants Corp. Muncie, Ind. 87.75 92.34 2,766,239 3,152,442 462,522
147 Community Trust Financial Corp. Ruston, La. 87.74 84.47 1,431,729 1,631,770 161,023
148 Bank Leumi Le-Israel Corp. New York 87.63 79.70 3,581,535 4,086,982 649,584
149 Center Financial Corp. Los Angeles 87.58 93.60 1,558,581 1,779,617 278,907
150 West Bancorp. Inc. West Des Moines, Iowa 87.53 73.27 831,619 950,074 150,369
151 Peoples Bancorp Lynden, Wash. 87.51 94.46 928,413 1,060,877 123,380
152 First Bancorp Troy, N.C. 87.50 90.76 2,489,661 2,845,356 349,390
153 ACNB Corp. Gettysburg, Pa. 87.45 89.80 664,490 759,861 95,037
154 Assabet Valley Bancorp Hudson, Mass. 87.29 93.75 685,117 784,889 79,229
155 Johnson Financial Group Inc. Racine, Wis. 87.26 94.64 3,362,006 3,852,950 114,688
156 Penseco Financial Services Corp. Scranton, Pa. 87.23 93.26 611,021 700,481 123,275
157 Capitol Bancorp Ltd. Lansing, Mich. 87.20 87.88 2,553,650 2,928,650 -56,425
158 First Business Financial Services Inc. Madison, Wis. 87.13 88.61 867,906 996,117 56,317
159 ServisFirst Bancshares Inc. Birmingham, Ala. 87.03 91.82 1,473,060 1,692,511 122,408
160 Four Oaks Fincorp Inc. N.C. 87.02 95.14 681,332 782,969 34,824
161 First United Corp. Oakland, Md. 86.94 81.13 981,580 1,129,041 96,964
162 Univest Corp. of Pennsylvania Souderton 86.69 90.86 1,443,588 1,665,225 268,673
163 Fishback Financial Corp. Brookings, S.D. 86.65 95.45 1,151,751 1,329,215 146,336
164 Independent Alliance Banks Inc. Fort Wayne, Ind. 86.52 99.90 623,052 720,090 94,264
165 BBVA USA Bancshares Inc. Houston 86.48 90.05 40,132,105 46,404,372 12,193,648
166 Pinnacle Financial Partners Inc. Nashville, Tenn. 86.45 91.00 3,226,211 3,731,884 681,225
167 Porter Bancorp Inc. Louisville, Ky. 86.18 91.66 1,277,497 1,482,323 189,734
168 Fremont Bancorp. Calif. 86.12 99.38 1,769,854 2,055,056 123,406
169 Regions Financial Corp. Birmingham, Ala. 86.11 90.77 82,989,291 96,380,654 16,619,439
170 VIST Financial Corp. Wyomissing, Pa. 86.10 85.43 989,208 1,148,968 132,001
171 First State Bancshares Inc. Farmington, Mo. 86.09 91.11 902,622 1,048,519 112,825
172 MetroCorp Bancshares Inc. Houston 86.08 92.07 1,096,207 1,273,520 160,456
PacWest Bancorp Los Angeles 86.08 93.34 3,947,634 4,586,027 491,360
174 OceanPoint Financial Partners MHC Newport, R.I. 85.91 92.36 728,597 848,063 106,064
175 Midwest Bankcentre Inc. St. Louis 85.86 81.72 662,829 771,980 115,003
176 NEB Corp. Fond Du Lac, Wis. 85.83 89.49 879,641 1,024,882 264,077
177 State Bancorp Inc. Jericho, N.Y. 85.75 78.89 1,148,269 1,339,125 157,446
178 Heritage Oaks Bancorp Paso Robles, Calif. 85.27 91.63 670,513 786,351 121,823
179 First Bancorp Inc. Damariscotta, Maine 85.17 99.96 895,134 1,050,949 151,544
180 NBT Bancorp Inc. Norwich, N.Y. 85.16 87.08 3,626,994 4,258,942 539,076
181 Peoples Bancorp of North Carolina Inc. Newton 85.05 91.83 713,581 838,980 97,201
182 Indiana Community Bancorp Columbus 84.98 86.42 746,295 878,152 90,350
183 Coppermark Bancshares Inc. Oklahoma City 84.97 92.27 926,119 1,089,955 106,164
184 State Capital Corp. Greenwood, Miss. 84.94 88.00 623,510 734,073 110,817
185 First Midwest Bancorp Inc. Itasca, Ill. 84.91 91.06 5,451,700 6,420,469 1,123,876
186 Heartland Bancorp Inc. Bloomington, Ill. 84.83 85.68 1,189,867 1,402,623 148,744
187 Green Bankshares Inc. Greeneville, Tenn. 84.77 97.37 1,681,209 1,983,150 132,830
188 Southern Community Financial Corp. Winston-Salem, N.C. 84.74 92.69 1,084,065 1,279,210 91,854
189 1st Source Corp. South Bend, Ind. 84.71 88.42 3,057,185 3,609,007 490,467
190 CoBiz Financial Inc. Denver 84.63 89.04 1,636,164 1,933,284 205,658
191 Dacotah Banks Inc. Aberdeen, S.D. 84.62 90.48 1,340,818 1,584,478 169,939
192 Reliance Bancshares Inc. Frontenac, Mo. 84.55 91.09 898,290 1,062,476 98,496
193 Old Second Bancorp Inc. Aurora, Ill. 84.37 90.88 1,604,950 1,902,361 80,186
194 PlainsCapital Corp. Dallas 84.34 104.95 3,468,287 4,112,191 447,851
195 First Community Bancshares Inc. Bluefield, Va. 84.20 84.10 1,378,299 1,637,017 277,846
196 Chemical Financial Corp. Midland, Mich. 84.12 86.15 3,686,549 4,382,271 563,739
197 Independence Bancshares Inc. Owensboro, Ky. 84.04 84.15 673,173 801,032 56,030
Metropolitan Bank Group Inc. Chicago 84.04 91.84 2,208,109 2,627,399 279,169
199 Sterling Financial Corp. Spokane, Wash. 84.01 94.15 5,691,445 6,775,007 774,461
Stockman Financial Corp. Miles City, Mont. 84.01 91.02 1,224,244 1,457,316 180,457

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. 26, 2011.

Source:

SNL Financial
, Charlottesville, Va.
© 2011 American Banker