Highest Loan/Deposit Ratios Among Bank Holding Companies

September 18, 2012, 4:59 p.m. EDT 1 Min Read

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Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn March 31, 2012. Dollars in thousands Published September 18, 2012
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.	1,036.09	1,016.39	$1,521,992	$146,897	$233,693
2	MetLife Inc. New York	856.93	889.65	89,793,032	10,478,428	59,010,405
3	Utrecht-America Holdings Inc. New York	323.42	336.59	26,711,000	8,259,000	1,841,000
4	CIT Group Inc. New York	320.73	574.86	21,857,144	6,814,716	8,456,331
5	Ally Financial Inc. Detroit	280.84	296.39	126,488,000	45,039,000	19,669,000
6	American Express Co. New York	233.84	255.94	100,884,000	43,143,000	19,913,000
7	Marlin Business Services Corp. Mount Laurel, N.J.	174.87	370.37	417,809	238,930	165,841
8	United National Corp. Sioux Falls, S.D.	150.98	136.08	1,219,199	807,503	887,560
9	Barclays Delaware Holdings LLC Wilmington	150.73	137.09	11,562,395	7,670,937	4,195,096
10	Doral Financial Corp. San Juan, Puerto Rico	139.98	130.28	6,383,858	4,560,457	873,985
11	Discover Financial Services Riverwoods, Ill.	138.12	146.75	56,064,449	40,590,353	8,703,356
12	Cass Information Systems Inc. Bridgeton, Mo.	133.81	135.00	690,357	515,916	163,379
13	New York Community Bancorp Inc. Westbury	133.50	128.73	30,709,218	23,002,813	5,584,241
14	Texas Capital Bancshares Inc. Dallas	132.73	105.77	8,048,020	6,063,560	647,509
15	Central Bancorp Inc. Somerville, Mass.	129.18	126.98	448,886	347,495	45,314
16	Pedcor Capital LLC Carmel, Ind.	123.69	105.27	127,319	102,934	44,452
17	TCF Financial Corp. Wayzata, Minn.	118.87	122.32	15,209,854	12,795,729	1,549,325
18	Republic Bancorp Inc. Louisviille, Ky.	117.93	107.68	2,416,249	2,048,799	533,493
19	Investors Bancorp MHC Millburn, N.J.	116.79	122.05	9,162,415	7,845,075	996,351
20	Cardinal Financial Corp. McLean, Va.	116.11	114.05	2,161,486	1,861,547	265,658
21	Brookline Bancorp Inc. Mass.	113.74	118.55	3,937,527	3,461,940	601,216
22	BSB Bancorp MHC Belmont, Mass.	113.45	102.46	560,523	494,061	131,995
23	BBVA PR Holding Corp. San Juan, Puerto Rico	113.32	121.03	3,704,495	3,269,173	601,725
24	Goldman Sachs Group Inc. New York	112.93	137.67	57,322,000	50,760,000	73,033,000
25	Alikat Investments Inc. Gurnee, Ill.	112.80	112.06	320,924	284,501	37,712
26	Androscoggin Bancorp MHS Lewiston, Maine	112.65	104.90	580,129	514,977	76,466
27	Lauritzen Corp. Omaha, Neb.	111.74	114.15	796,926	713,171	568,052
28	Coastal Affiliates MHC Hyannis, Mass.	111.50	104.97	552,810	495,795	63,785
29	First Financial Banc Corp. El Dorado, Ark.	111.28	115.29	679,563	610,701	66,385
30	Foster Bankshares Inc. Chicago	110.77	106.95	387,684	349,990	16,118
31	North Jersey Community Bancorp Inc. Englewood Cliffs, N.J.	110.36	104.99	690,419	625,611	64,237
32	Diamond Bancorp Inc. Washington, Mo.	109.93	119.99	673,931	613,067	64,838
33	Rockville Financial Inc. Conn.	109.16	114.38	1,512,605	1,385,679	327,650
34	C&F Financial Corp. West Point, Va.	108.66	105.11	717,794	660,615	99,469
35	Ambank Co. Inc. Sioux Center, Iowa	108.61	108.83	717,404	660,508	73,918
36	Southern National Bancorp of Virginia Inc. McLean	108.34	106.84	491,181	453,373	100,764
37	Machias Bancorp MHC Maine	108.23	104.16	847,576	783,092	119,985
38	First Connecticut Bancorp Inc. Farmington	107.82	100.27	1,347,327	1,249,583	250,196
39	Southern First Bancshares Inc. Greenville, S.C.	107.03	103.07	607,925	568,010	63,007
40	F&M Bank Corp. Timberville, Va.	106.97	109.09	475,961	444,934	46,951
41	Manhattan Banking Corp. Kan.	106.40	107.08	699,637	657,578	67,864
42	Newburyport Five Centers Bancorp MHC Mass.	106.05	NA	486,500	458,759	100,946
43	Northern Bancorp Inc. Woburn, Mass.	106.02	109.84	633,638	597,660	73,498
44	Hills Bancorp. Iowa	105.87	103.63	1,706,688	1,612,057	238,048
45	Bar Harbor Bankshares Maine	105.44	103.28	763,840	724,438	120,878
46	Boston Private Financial Holdings Inc.	105.23	98.17	4,852,775	4,611,802	583,145
47	Park Bancorp. Inc. Madison, Wis.	104.99	102.36	605,564	576,758	61,140
48	Norway Bancorp MHC Maine	104.73	111.19	755,115	721,032	106,118
49	Adam Bank Group Inc. Tampa, Fla.	104.57	103.33	731,633	699,631	153,470
50	Sword Financial Corp. Horicon, Wis.	104.55	103.86	463,386	443,234	38,262
51	Santander BanCorp San Juan, Puerto Rico	104.36	111.68	5,639,092	5,403,466	815,731
52	First BanCorp. San Juan, Puerto Rico	104.19	97.06	10,323,893	9,908,256	1,433,023
53	Taylor Capital Group Inc. Rosemont, Ill.	104.15	92.20	3,113,836	2,989,639	416,766
54	State Bankshares Inc. Fargo, N.D.	103.76	104.61	1,974,705	1,903,089	162,802
55	Monarch Financial Holdings Inc. Chesapeake, Va.	103.69	98.78	841,551	811,614	78,783
56	County Bancorp Inc. Manitowoc, Wis.	103.58	99.30	578,453	558,458	76,933
57	South Shore Bancorp MHC South Weymouth, Mass.	103.55	88.80	690,987	667,289	100,483
58	CB&T Holding Corp. New Orleans	102.86	103.81	609,283	592,342	55,186
59	Fidelity Holding Co. Minnetonka, Minn.	102.60	72.71	286,124	278,864	56,684
60	United Community Financial Corp. Grand Rapids, Mich.	102.41	106.33	377,134	368,269	38,134
61	Valley National Bancorp Wayne, N.J.	101.90	98.34	11,165,414	10,957,184	1,493,454
62	Viewpoint Financial Group Inc. Plano, Texas	101.68	NA	1,990,837	1,957,885	412,605
63	BTC Financial Corp. Des Moines, Iowa	101.62	105.94	2,231,154	2,195,525	187,140
64	Waupaca Bancorp. Inc. Wis.	101.59	99.90	675,215	664,626	81,465
65	Chicopee Bancorp Inc. Mass.	101.56	110.66	455,602	448,617	89,743
66	Teche Holding Co. New Iberia, La.	101.38	NA	642,037	633,284	82,169
67	Community West Bancshares Goleta, Calif.	101.36	110.08	517,751	510,799	51,110
68	Independent Holdings Inc. Memphis, Tenn.	101.34	101.77	690,361	681,242	93,596
69	Washington Trust Bancorp Inc. Westerly, R.I.	101.23	99.21	2,171,942	2,145,573	287,935
70	Cecil Bankshares Corp. Patten, Maine	100.97	102.90	455,188	450,831	55,893
71	Stearns Financial Services Inc. St. Cloud, Minn.	100.75	95.57	1,100,034	1,091,859	211,187
72	Mackinac Financial Corp. Manistique, Mich.	100.56	93.47	414,402	412,087	56,095
73	PlainsCapital Corp. Dallas	100.38	84.34	4,184,465	4,168,776	540,962
74	F&M Financial Corp. Clarksville, Tenn.	100.16	92.48	633,441	632,421	58,729
75	M&T Bank Corp. Buffalo, N.Y.	100.01	103.11	60,921,750	60,912,943	9,428,688
76	Delta Bancshares Co. Eureka, Mo.	99.98	107.98	393,413	393,488	60,800
77	Clayton Bancorp Inc. Knoxville, Tenn.	99.88	101.42	677,529	678,321	122,042
78	Fremont Bancorp. Calif.	99.85	86.12	1,937,614	1,940,500	140,420
79	Susquehanna Bancshares Inc. Lititz, Pa.	99.70	103.52	12,525,439	12,563,581	2,512,634
80	Security State Bancshares Inc. Charleston, Mo.	99.61	105.59	505,479	507,461	50,160
81	F&M Financial Corp. Granite Quarry, N.C.	99.60	103.17	437,334	439,112	74,772
82	Brand Group Holdings Inc. Lawrenceville, Ga.	99.15	81.53	996,968	1,005,561	143,061
83	Citizens Bancshares Inc. Bluffton, Ohio	98.76	95.23	431,540	436,958	56,230
84	Independent Bank Corp. Rockland, Mass.	98.62	101.43	3,892,343	3,946,748	478,863
85	Ida Grove Bancshares Inc. Iowa	98.54	104.60	929,839	943,599	112,520
86	Fidelity Southern Corp. Atlanta	98.14	92.16	1,833,708	1,868,372	171,922
87	Liberty Bancshares Inc. Springfield, Mo.	97.93	104.54	888,028	906,801	94,341
88	Camden National Corp. Maine	97.89	99.39	1,525,325	1,558,156	223,658
89	Guaranty Federal Bancshares Inc. Springfield, Mo.	97.76	103.05	473,928	484,794	55,045
90	AFNB Holdings Inc. Houston	97.75	89.17	693,110	709,037	116,939
91	HSBC North America Holdings Inc. Buffalo, N.Y.	97.62	107.09	132,284,045	135,509,409	35,632,185
92	Salem Five Bancorp Mass.	97.61	99.73	2,215,004	2,269,192	313,338
93	Fulton Financial Corp. Lancaster, Pa.	97.46	95.93	12,027,728	12,340,722	2,022,863
94	FSB Mutual Holdings Inc. Perkasie, Pa.	97.32	101.18	663,801	682,097	145,124
95	Fifth Third Bancorp Cincinnati	97.27	95.40	83,696,911	86,047,500	13,609,581
96	Camco Financial Corp. Cambridge, Ohio	97.26	101.35	636,713	654,678	46,109
97	Access National Corp. Reston, Va.	97.25	107.05	648,867	667,225	85,607
98	BBCN Bancorp Inc. Los Angeles	97.13	100.86	3,807,819	3,920,464	818,166
99	Montgomery Bancorp. Inc. Sikeston, Mo.	97.01	97.61	721,542	743,751	47,954
100	Community Trust Financial Corp. Ruston, La.	96.90	87.74	2,036,943	2,102,178	234,825
101	First Horizon National Corp. Memphis, Tenn.	96.86	106.46	16,404,212	16,936,196	2,674,173
102	First Community Holdings Santa Rosa, Calif.	96.69	91.39	496,600	513,623	47,281
103	Summit Financial Group Inc. Moorefield, W.Va.	96.67	93.84	977,446	1,011,139	104,399
104	SunTrust Banks Inc. Atlanta	96.46	94.45	125,461,663	130,061,563	20,241,244
105	Adbanc Inc. Ogallala, Neb.	96.33	96.85	433,093	449,582	75,765
106	JJR Holding Co. Inc. Brick, N.J.	96.27	99.90	462,736	480,653	73,058
107	Virginia Commerce Bancorp Inc. Arlington	96.21	96.74	2,153,019	2,237,848	296,637
108	Mercantile Bank Corp. Grand Rapids, Mich.	96.18	96.27	1,051,675	1,093,434	167,084
109	Eagle Bancorp Inc. Bethesda, Md.	96.04	98.67	2,274,436	2,368,235	276,017
110	Bank of Commerce Holdings Redding, Calif.	95.86	99.00	636,251	663,739	113,579
	Dimeco Inc. Honesdale, Pa.	95.86	93.78	456,066	475,765	56,128
112	Chinatrust Capital Corp. Torrance, Calif.	95.84	90.61	895,394	934,283	519,326
113	New England Bancshares Inc. Enfield, Conn.	95.72	98.14	557,943	582,906	73,370
114	Wilshire Bancorp Inc. Los Angeles	95.71	100.43	2,120,655	2,215,690	269,896
115	First National Bancshares Inc. East Lansing, Mich.	95.62	122.16	452,165	472,888	95,210
116	Carolina Bank Holdings Inc. Greensboro, N.C.	95.51	85.05	562,385	588,845	47,943
117	Community Partners Bancorp Middletown, N.J.	95.49	97.07	536,679	562,037	88,283
118	Passumpsic Bancorp St. Johnsbury, Vt.	95.23	98.84	428,096	449,544	59,795
119	Nicolet Bankshares Inc. Green Bay, Wis.	95.18	98.88	492,352	517,282	76,594
120	PSB Holdings Inc. Wausau, Wis.	95.14	99.75	444,088	466,794	51,502
121	NRBC Holding Corp. Chicago	95.11	93.94	1,101,983	1,158,590	140,728
122	Independent Bank Group Inc. McKinney, Texas	95.07	89.20	1,005,084	1,057,158	107,844
123	Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb.	94.90	95.41	533,726	562,380	63,962
124	Integrity Bancshares Inc. Camp Hill, Pa.	94.75	101.64	529,989	559,353	34,841
125	Parke Bancorp Inc. Swell, N.J.	94.66	107.11	612,930	647,494	78,352
126	Spirit Bankcorp Inc. Bristow, Okla.	94.61	94.07	977,655	1,033,300	81,257
127	S.Y. Bancorp Inc. Louisviille, Ky.	94.55	100.24	1,538,713	1,627,354	191,823
128	Olney Bancshares of Texas Inc.	94.54	96.71	1,522,543	1,610,539	199,515
129	Banner Corp. Walla Walla, Wash.	94.26	93.94	3,229,662	3,426,170	548,790
130	East Asia Holding Co. Inc. New York	93.99	122.00	571,240	607,753	139,747
131	Citizens Financial Group Inc. Providence, R.I.	93.95	94.67	88,377,330	94,066,768	23,629,222
132	Cathay General Bancorp El Monte, Calif.	93.81	97.31	6,904,331	7,359,774	1,545,523
	Horizon Bancorp Michigan City, Ind.	93.81	81.34	998,755	1,064,621	126,238
134	Farmers & Merchants Investment Inc. Lincoln, Neb.	93.75	93.91	1,960,633	2,091,440	297,541
	First Western Financial Inc. Denver	93.75	106.63	559,419	596,720	72,477
136	BancWest Corp. San Francisco	93.74	101.40	52,443,839	55,948,148	8,691,719
137	Lake Michigan Financial Corp. Holland, Mich.	93.70	101.57	778,568	830,884	72,834
138	Hampden Bancorp Inc. Springfield, Mass.	93.68	94.30	408,980	436,564	87,455
	Pinnacle Financial Partners Inc. Nashville, Tenn.	93.68	86.45	3,361,410	3,588,120	718,765
140	Beacon Bancorp Taunton, Mass.	93.60	94.77	969,044	1,035,280	193,484
141	First Community Bancshares Inc. Batesville, Ark.	93.53	95.11	571,622	611,187	69,336
142	QCR Holdings Inc. Moline, Ill.	93.44	96.73	1,211,729	1,296,749	145,767
143	Chambers Bancshares Inc. Danville, Ark.	93.37	101.03	556,783	596,308	38,508
144	GSB MHC Greenfield, Mass.	93.36	93.10	435,439	466,431	69,008
145	MountainOne Financial Partners MHC North Adams, Mass.	93.28	93.62	530,342	568,554	65,158
146	Gorham Bancorp MHC Maine	93.21	96.64	623,596	669,027	78,540
147	Wintrust Financial Corp. Lake Forest, Ill.	93.09	92.64	11,790,017	12,665,853	1,688,131
148	Bankmanagers Corp. Milwaukee	93.03	93.62	599,393	644,275	85,414
149	Lakeside Bancorp Inc. Chicago	92.98	103.43	933,618	1,004,156	88,604
150	Eagle Financial Services Inc. Berryville, Va.	92.92	91.67	416,422	448,159	59,591
151	Trinity Capital Corp. Los Alamos, N.M.	92.44	90.48	1,247,553	1,349,610	128,143
152	Southern Missouri Bancorp Inc. Poplar Bluff	92.36	96.79	553,485	599,299	92,630
153	Associated Banc-Corp Green Bay, Wis.	92.31	90.85	14,450,295	15,653,376	2,900,873
154	USAmericibancorp Inc. Clearwater, Fla.	92.26	91.53	1,644,321	1,782,173	178,487
155	Village Bank and Trust Financial Corp. Midlothian, Va.	92.21	89.38	429,119	465,393	34,310
156	Popular Inc. Hato Rey, Puerto Rico	92.15	95.51	25,062,000	27,198,000	3,967,000
157	Peoples Financial Services Corp. Hallstead, Pa.	91.99	90.03	461,947	502,176	61,161
158	Reliable Community Bancshares Inc. Perryville, Mo.	91.95	94.48	628,670	683,724	84,918
159	U.S. Bancorp Minneapolis	91.91	95.66	214,662,000	233,553,000	36,914,000
160	Bryn Mawr Bank Corp. Pa.	91.90	92.78	1,310,264	1,425,745	191,329
161	Winter Trust of 12/3/74 Lawrence, Kan.	91.89	70.72	541,554	589,346	45,812
162	First Bank Lubbock Bancshares Inc. Texas	91.66	NA	377,060	411,378	31,972
163	First Bancshares Inc. Merrillville, Ind.	91.49	88.88	1,719,899	1,879,782	168,328
164	Carolina Financial Corp. Charleston, S.C.	91.46	90.39	592,244	647,544	49,039
165	TFC Holding Co. Alhambra, Calif.	91.45	99.90	344,852	377,076	53,999
166	Franklin Financial Services Corp. Chambersburg, Pa.	91.29	100.70	763,636	836,504	88,262
167	Harleysville Savings Financial Corp. Pa.	91.28	94.61	511,950	560,886	58,026
168	Regent Bancorp Inc. Davie, Fla.	91.21	86.72	343,915	377,049	29,765
169	First Texas BHC Inc. Fort Worth	91.13	93.37	705,687	774,367	136,764
170	Hanmi Financial Corp. Los Angeles	91.10	89.39	2,153,873	2,364,192	293,719
171	Business Bancshares Inc. Clayton, Mo.	91.00	91.06	376,443	413,662	52,785
172	Huntington Bancshares Inc. Columbus, Ohio	90.94	92.73	40,979,720	45,063,523	5,599,828
	Tri-County Financial Corp. Waldorf, Md.	90.94	90.85	730,858	803,692	76,694
174	S&T Bancorp Inc. Indiana, Pa.	90.89	99.95	3,201,443	3,522,355	504,418
175	PrivateBancorp Inc. Chicago	90.88	87.98	9,471,659	10,422,712	1,312,154
	State Capital Corp. Cleveland, Miss.	90.88	84.94	654,581	720,243	111,795
177	Amarillo National Bancorp Inc. Texas	90.85	92.53	2,298,549	2,529,944	369,354
178	Bank of America Corp. Charlotte, N.C.	90.84	95.71	947,080,080	1,042,584,034	233,065,430
179	First Mutual of Richmond Inc. Ind.	90.82	102.84	427,123	470,287	63,394
180	Highlands Bankshares Inc. Petersburg, W.Va.	90.76	94.30	311,367	343,078	42,356
181	Unity Bancorp Inc. Clinton, N.J.	90.63	93.56	582,752	642,977	74,002
182	Lakeland Bancorp Inc. Oak Ridge, N.J.	90.62	88.32	2,073,466	2,288,202	241,955
	Union First Market Bankshares Corp. Bowling Green, Va.	90.62	93.10	2,915,333	3,217,046	426,104
184	Alliance Financial Services Inc. St. Paul, Minn.	90.59	92.35	465,278	513,622	52,192
185	Sterling Financial Corp. Spokane, Wash.	90.56	84.01	6,250,568	6,902,403	897,614
186	First Farmers Financial Corp. Converse, Ind.	90.54	91.62	675,125	745,701	78,728
187	Timberland Bancorp Inc. Hoquiam, Wash.	90.52	90.26	547,257	604,596	87,984
188	Bank of the Ozarks Inc. Little Rock, Ark.	90.50	91.16	2,648,917	2,927,062	446,069
189	Magyar Bancorp MHC New Brunswick, N.J.	90.45	92.12	384,867	425,502	44,679
	Southwest Bancorp Inc. Stillwater, Okla.	90.45	104.34	1,634,307	1,806,780	311,643
191	River Valley Bancorp. Inc. Merrill, Wis.	90.41	94.64	757,781	838,122	68,810
192	1st Source Corp. South Bend, Ind.	90.28	84.71	3,165,004	3,505,674	531,891
193	TriState Capital Holdings Inc. Pittsburgh	90.21	79.59	1,479,404	1,640,019	188,068
194	First National Bankers Bankshares Inc. Baton Rouge, La.	90.20	117.64	349,421	387,390	143,748
	United Bankshares Inc. Charleston, W.Va.	90.20	91.45	6,207,521	6,881,627	976,303
196	Synovus Financial Corp. Columbus, Ga.	90.16	91.45	19,960,145	22,137,702	2,821,857
197	KeyCorp Cleveland	90.10	90.84	55,452,169	61,546,191	10,116,247
198	Community Banc-Corp of Sheboygan Inc. Wis.	90.06	90.47	412,820	458,380	19,038
199	Encore Bancshares Inc. Houston	90.02	90.21	1,047,519	1,163,667	178,755
200	Two Rivers Financial Group Inc. Burlington, Iowa	89.99	85.86	439,045	487,909	76,006

Among 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 March 31, 2012.

Source:

Financial Information Systems LLC