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Highest Loan/Deposit Ratios Among Bank Holding Companies

January 13, 2014, 1:44 p.m. EST 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies

Highest Loan/Deposit Ratios Among Bank Holding CompaniesOn June 30, 2013. Dollars in thousands
Published January 13, 2014
Rank   Loans as a % of deposits Loans* Deposits Equity capital
June 30 Year earlier
1 John Deere Capital Corp. Reno, Nev. 17,253.77 NA $27,960,257 $162,053 $3,180,226
2 Principal Financial Group Inc. Des Moines, Iowa 648.51 602.53 13,949,151 2,150,939 9,462,467
3 General Electric Capital Corp. Norwalk, Conn. 553.60 NA 269,520,137 48,684,675 84,760,722
4 Educational Services of America Inc. Knoxville, Tenn. 503.95 1,099.27 1,957,856 388,500 259,351
5 Utrecht-America Holdings Inc. New York 273.66 332.61 27,598,218 10,084,917 1,915,857
6 American Express Co. New York 241.27 250.46 107,719,000 44,646,000 19,045,000
7 Ally Financial Inc. Detroit 204.21 263.82 101,048,000 49,483,000 19,165,000
8 CIT Group Inc. New York 200.46 292.63 22,394,063 11,171,279 8,685,456
9 United National Corp. Sioux Falls, S.D. 170.18 164.61 1,455,314 855,140 1,056,674
10 Oritani Financial Corp. Township of Washington, N.J. 159.79 143.53 2,307,163 1,443,886 518,774
11 Pedcor Capital LLC Carmel, Ind. 151.31 131.86 144,499 95,496 46,794
12 Discover Financial Services Riverwoods, Ill. 144.83 137.45 61,703,200 42,602,640 10,447,615
13 Midland Financial Co. Oklahoma City 140.46 129.26 7,912,263 5,633,201 1,233,822
14 Lamplighter Financial MHC Wauwatosa, Wis. 135.56 128.55 1,238,960 913,958 209,401
15 Doral Financial Corp. San Juan, Puerto Rico 135.00 142.94 6,711,553 4,971,557 806,164
16 Republic Bancorp Inc. Louisville, Ky. 134.05 128.30 2,642,203 1,971,047 544,067
17 Dime Community Bancshares Inc. New York 133.91 136.25 3,606,996 2,693,687 408,905
18 Malaga Financial Corp. Palos Verdes Estates, Calif. 131.35 141.12 805,250 613,041 93,547
19 Barclays Delaware Holdings LLC Wilmington 131.23 151.80 14,196,946 10,818,617 4,592,485
20 Beal Financial Corp. Plano, Tex. 129.78 99.23 5,756,974 4,435,913 2,687,103
21 Texas Capital Bancshares Inc. Dallas 129.68 129.77 10,349,193 7,980,604 1,035,330
22 Investors Bancorp MHC Millburn, N.J. 126.94 117.37 11,086,893 8,733,707 1,100,964
23 New York Community Bancorp Inc. Westbury 125.85 123.85 31,840,114 25,299,314 5,692,761
24 Capitol Federal Financial Inc. Topeka, Kan. 123.90 112.83 5,802,255 4,682,965 1,624,502
25 Cass Information Systems Inc. Bridgeton, Mo. 123.81 135.68 669,822 541,009 174,686
26 Viewpoint Financial Group Inc. Plano, Tex. 123.31 111.79 2,739,167 2,221,453 533,434
27 Raymond James Financial Inc. St. Petersburg, Fla. 122.51 126.69 11,185,944 9,130,384 3,875,142
28 Marlin Business Services Corp. Mount Laurel, N.J. 121.93 157.91 563,228 461,912 181,275
29 Astoria Financial Corp. Lake Success, N.Y. 121.57 125.71 12,691,285 10,439,365 1,443,145
30 Cardinal Financial Corp. McLean, Va. 118.11 114.00 2,485,935 2,104,790 316,087
31 Lauritzen Corp. Omaha, Neb. 117.62 112.50 857,226 728,840 669,812
32 Customers Bancorp Inc. Wyomissing, Pa. 117.46 100.24 3,260,215 2,775,709 379,773
33 ConnectOne Bancorp Inc. Englewood Cliffs, N.J. 116.08 109.52 955,713 823,345 124,575
34 Newburyport Five Centers Bancorp MHC Mass. 115.76 108.97 490,458 423,686 107,738
35 Third Federal Savings & Loan Association MHC Cleveland 114.67 115.01 10,055,465 8,768,947 1,851,892
36 Brookline Bancorp Inc. Mass. 114.49 113.91 4,209,236 3,676,571 614,871
37 Chinatrust Capital Corp. Torrance, Calif. 112.79 101.77 1,102,335 977,352 526,788
38 Southern Bancshares Inc. Houston 112.33 NA 522,404 465,043 53,101
39 Northern Bankshares Inc. McFarland, Wis. 112.25 116.25 353,407 314,853 22,584
40 BOFI Holdings Inc. San Diego 112.24 112.03 2,348,091 2,091,999 268,262
41 Severn Bancorp Inc. Annapolis, Md. 112.23 104.08 654,601 583,271 109,312
42 Hudson City Bancorp Inc. Paramus, N.J. 111.81 114.77 25,291,464 22,619,271 4,661,071
43 First Texas BHC Inc. Fort Worth, Texas 111.32 94.79 991,546 890,702 143,385
44 Silvergate Capital Corp. La Jolla, Calif. 111.29 NA 537,569 483,026 61,285
45 Sterling Financial Corp. Spokane, Wash. 111.25 93.37 7,307,804 6,568,719 1,206,336
46 Marquette Financial Cos. Minneapolis 111.14 71.73 790,859 711,619 112,335
47 First Foundation Inc. Irvine, Calif. 110.84 126.32 798,606 720,524 76,396
48 Ambank Co. Inc. Sioux Center, Iowa 110.37 109.21 792,927 718,418 79,591
  First Connecticut Bancorp Inc. Farmington 110.37 117.02 1,610,687 1,459,336 231,315
50 Fidelity Holding Co. Minnetonka, Minn. 110.36 112.50 329,231 298,322 62,609
51 State Bankshares Inc. Fargo, N.D. 109.84 112.19 2,584,506 2,352,927 200,283
52 Rollstone Bancorp MHC Fitchburg, Mass. 109.36 105.75 363,651 332,541 54,017
53 Leader Bancorp Inc. Arlington, Mass. 109.28 NA 503,218 460,480 73,924
54 TCF Financial Corp. Wayzata, Minn. 109.21 110.94 15,684,225 14,362,115 1,906,181
55 Sword Financial Corp. Horicon, Wis. 108.90 105.48 487,093 447,304 42,587
56 Androscoggin Bancorp MHS Lewiston, Maine 108.74 110.16 610,111 561,053 81,851
57 Everbank Financial Corp. Jacksonville, Fla. 108.65 101.35 14,867,778 13,684,374 1,549,383
58 FB Bancorp San Antonio 108.58 107.29 568,606 523,694 66,916
59 Southern First Bancshares Inc. Greenville, S.C. 108.46 111.29 687,482 633,851 63,562
60 Deutsche Bank Trust Corp. New York 108.37 131.51 35,972,000 33,194,000 6,950,000
61 Pulaski Financial Corp. St. Louis 108.33 99.29 1,134,488 1,047,210 123,293
62 Park Bancorp. Inc. Madison, Wis. 108.32 105.24 579,906 535,340 58,784
63 Taylor Capital Group Inc. Rosemont, Ill. 108.23 101.66 3,996,485 3,692,425 560,274
64 Hills Bancorp. Iowa 107.95 108.78 1,768,347 1,638,147 260,117
65 Coastal Affiliates MHC Hyannis, Mass. 107.84 114.62 582,644 540,279 70,230
66 Nexbank Capital Inc. Dallas 107.82 94.38 794,460 736,828 91,519
67 Adam Bank Group Inc. College Station, Tex. 107.68 107.03 786,364 730,268 166,947
68 Northern Bancorp Inc. Woburn, Mass. 107.48 113.17 849,145 790,050 86,265
69 Peoples Federal Bancshares Inc. Brighton, Mass. 107.22 104.76 457,324 426,523 106,967
70 Flushing Financial Corp. N.Y. 107.12 103.20 3,288,435 3,069,778 422,725
71 F&M Bank Corp. Timberville, Va. 107.09 111.34 487,593 455,320 50,887
72 Security State Bancshares Inc. Charleston, Mo. 106.99 106.61 529,461 494,868 51,855
73 Simplicity Bancorp Inc. Covina, Calif. 106.90 113.08 699,853 654,680 145,438
74 Sterling Bancorp Inc. Southfield, Mich. 106.82 101.15 835,735 782,360 96,958
75 Mascoma Mutual Financial Services Lebanon, N.H. 106.67 107.78 809,046 758,443 108,141
76 First Financial Banc Corp. El Dorado, Ark. 106.60 115.11 673,009 631,311 79,553
77 Machias Bancorp MHC Maine 106.22 104.14 855,276 805,211 130,262
78 Boston Private Financial Holdings Inc. 105.99 110.84 4,851,127 4,577,091 626,938
79 Community West Bancshares Goleta, Calif. 105.96 102.60 460,806 434,871 62,086
80 First National Bankers Bankshares Inc. Baton Rouge, La. 105.91 91.90 392,971 371,050 142,568
81 First Western Financial Inc. Denver 105.81 91.67 511,568 483,474 69,778
82 BSB Bancorp MHC Belmont, Mass. 105.80 111.24 736,525 696,129 128,103
83 Parke Bancorp Inc. Swell, N.J. 105.78 91.82 644,722 609,519 84,867
84 Urban Trust Holdings Inc. Lake Mary, Fla. 105.42 94.84 475,388 450,967 86,874
85 Citizens Bancshares Inc. Bluffton, Ohio 105.21 103.49 488,555 464,370 56,609
86 First Financial Northwest Inc. Renton, Wash. 105.05 91.34 666,070 634,029 187,075
87 C&F Financial Corp. West Point, Va. 105.03 113.27 728,945 694,044 105,800
88 Clayton Bancorp Inc. Knoxville, Tenn. 104.98 93.91 782,056 744,933 155,116
89 MountainOne Financial Partners MHC North Adams, Mass. 104.85 98.25 583,347 556,350 64,322
90 Washington Trust Bancorp Inc. Westerly, R.I. 104.74 105.02 2,413,869 2,304,611 303,370
91 Access National Corp. Reston, Va. 104.62 100.29 690,351 659,858 94,580
92 National Consumer Cooperative Bank Washington, D.C. 104.57 103.53 1,351,956 1,292,821 227,524
93 People's United Financial Inc. Bridgeport, Conn. 104.50 96.52 22,981,643 21,991,257 4,677,882
94 Luther Burbank Corp. Santa Rosa, Calif. 104.42 103.01 3,262,514 3,124,361 320,592
95 Adbanc Inc. Ogallala, Neb. 104.41 103.15 487,356 466,780 82,205
96 Flagstar Bancorp Inc. Troy, Mich. 104.00 116.08 7,933,006 7,628,184 1,253,735
97 MVB Financial Corp. Fairmont, W.Va. 103.80 NA 551,550 531,338 82,523
98 Hilltop Holdings Inc. Dallas 103.77 NA 4,665,960 4,496,469 1,171,800
99 Fulton Financial Corp. Lancaster, Pa. 103.66 98.54 12,706,327 12,257,809 2,028,732
  Southern Missouri Bancorp Inc. Poplar Bluff 103.66 101.05 655,552 632,379 101,829
101 CB&T Holding Corp. New Orleans 103.65 100.88 763,017 736,157 70,117
102 Montgomery Bancorp. Inc. Sikeston, Mo. 103.61 100.83 743,254 717,362 49,870
103 Berkshire Hills Bancorp Inc. Pittsfield, Mass. 103.10 100.37 3,934,776 3,816,601 672,970
104 Susquehanna Bancshares Inc. Lititz, Pa. 103.08 99.20 13,157,762 12,764,237 2,644,940
105 BTC Financial Corp. Des Moines, Iowa 102.99 103.27 2,384,576 2,315,361 200,618
106 Teche Holding Co. New Iberia, La. 102.75 106.90 668,270 650,390 86,661
107 Provident Financial Holdings Inc. Riverside, Calif. 102.52 108.63 951,382 928,026 159,973
108 GSB MHC Greenfield, Mass. 102.50 99.48 480,265 468,556 70,969
109 Columbia Bank MHC Fair Lawn, N.J. 102.44 110.85 3,258,179 3,180,580 361,771
110 Independent Bank Group Inc. McKinney, Tex. 102.37 98.64 1,520,373 1,485,129 214,182
111 South Shore Bancorp MHC South Weymouth, Mass. 102.26 102.06 702,425 686,882 102,090
112 Stearns Financial Services Inc. St. Cloud, Minn. 101.87 108.13 1,286,480 1,262,839 200,551
113 Waupaca Bancorp. Inc. Wis. 101.85 102.71 707,150 694,288 94,967
114 Mackinac Financial Corp. Manistique, Mich. 101.71 98.61 455,555 447,907 66,520
115 Rockville Financial Inc. Conn. 101.69 106.90 1,621,358 1,594,434 296,992
116 Gorham Bancorp MHC Maine 101.66 93.85 670,758 659,826 79,614
117 Santander Holdings USA Inc. Boston 101.56 108.79 50,352,595 49,577,633 13,459,971
118 HomeBancorp Inc. Tampa, Fla. 101.53 NA 713,814 703,060 61,055
119 HSB Bancorp Inc. Hebron, Md. 101.44 NA 426,005 419,973 36,854
120 First National Bancshares Inc. East Lansing, Mich. 101.34 98.04 513,998 507,178 93,961
121 Ida Grove Bancshares Inc. Iowa 101.21 101.21 976,538 964,838 117,594
122 HomeTrust Bancshares Inc. Asheville, N.C. 101.16 NA 1,174,953 1,161,525 367,515
123 Fox Chase Bancorp Inc. Hatboro, Pa. 101.13 90.91 714,767 706,753 173,426
124 Norway Bancorp MHC Maine 101.10 104.91 776,551 768,123 118,162
125 Wilshire Bancorp Inc. Los Angeles 101.05 95.36 2,209,854 2,186,890 355,334
126 Assabet Valley Bancorp Hudson, Mass. 100.92 93.53 801,406 794,095 93,088
127 BCB Bancorp Inc. Bayonne, N.J. 100.58 86.78 957,431 951,954 93,302
128 First Berne Financial Corp. Ind. 100.57 NA 391,036 388,813 54,530
  New Hampshire Thrift Bancshares Inc. Newport 100.57 97.59 921,813 916,599 129,410
130 M&T Bank Corp. Buffalo, N.Y. 100.47 100.48 65,971,866 65,661,470 10,716,330
131 First Trade Union Bancorp Inc. Boston 100.18 85.75 483,640 482,774 53,527
132 Sunwest Bancorp Inc. Tustin, Calif. 100.07 82.94 541,098 540,730 92,807
133 United Bankshares Inc. Charleston, W.Va. 99.96 92.18 6,575,542 6,577,890 1,006,058
134 Bar Harbor Bankshares Maine 99.75 105.40 852,572 854,719 120,464
  Mercantile Bank Corp. Grand Rapids, Mich. 99.75 95.96 1,058,662 1,061,315 150,938
136 BBCN Bancorp Inc. Los Angeles 99.66 100.63 4,561,233 4,576,800 781,025
137 Cathay General Bancorp El Monte, Calif. 99.64 95.27 7,682,687 7,710,522 1,539,422
138 Nutmeg Financial MHC Naugatuck, Conn. 99.61 98.18 784,098 787,174 94,338
139 Merchants Bancorp Inc. Hillsboro, Ohio 99.30 92.04 471,598 474,906 52,120
140 TFC Holding Co. Alhambra, Calif. 99.21 89.79 325,107 327,709 58,916
141 F&M Financial Corp. Clarksville, Tenn. 99.19 105.12 657,387 662,776 63,242
142 CoBiz Financial Inc. Denver 99.11 90.74 2,017,844 2,035,971 266,679
  New Hampshire Mutual Bancorp Manchester 99.11 NA 1,038,835 1,048,154 136,990
144 NASB Financial Inc. Grandview, Mo. 99.07 106.73 800,390 807,873 190,575
145 Citizens Community Bancorp Inc. Eau Claire, Wis. 99.04 101.07 438,350 442,596 53,822
  Unity Bancorp Inc. Clinton, N.J. 99.04 98.13 622,316 628,369 68,287
147 Metropolitan Bank Holding Corp. New York 99.02 86.50 441,924 446,316 52,791
148 Bank of the Ozarks Inc. Little Rock, Ark. 99.01 95.89 2,955,121 2,984,629 534,570
149 VB Texas Inc. Houston 98.99 92.82 503,473 508,631 86,372
150 Meridian Financial Services Inc. East Boston 98.89 92.03 2,039,450 2,062,440 372,680
151 Fidelity Southern Corp. Atlanta 98.88 98.65 2,130,989 2,155,047 273,102
152 Pacific Mercantile Bancorp Costa Mesa, Calif. 98.69 99.23 739,613 749,439 130,852
153 Western State Agency Inc. Devils Lake, N.D. 98.68 NA 542,689 549,936 44,054
154 Choice Financial Holdings Inc. Grafton, N.D. 98.49 91.70 572,548 581,345 51,479
155 SunTrust Banks Inc. Atlanta 98.47 99.44 125,712,822 127,659,933 21,007,052
156 Chicopee Bancorp Inc. Mass. 98.44 100.99 461,122 468,430 91,036
157 Virginia Commerce Bancorp Inc. Arlington 98.39 97.31 2,144,370 2,179,557 253,764
158 Lakeside Bancorp Inc. Chicago 98.33 94.47 960,113 976,464 103,270
159 Manhattan Banking Corp. Kan. 98.32 102.07 800,433 814,100 82,944
160 Naugatuck Valley Financial Corp. Conn. 98.26 108.62 402,046 409,172 61,024
161 Northfield MHC Northfield, Vt. 98.16 94.86 503,942 513,365 91,212
162 AFNB Holdings Inc. Houston 98.12 98.07 737,291 751,396 129,737
163 OmniAmerican Bancorp Inc. Fort Worth, Texas 98.04 92.33 808,484 824,650 202,365
164 The Prosperity Banking Co. St. Augustine, Fla. 97.99 89.58 484,660 494,613 14,557
165 Embassy Bancorp Inc. Bethlehem, Pa. 97.92 86.36 533,402 544,748 50,532
166 Independent Bank Corp. Rockland, Mass. 97.55 98.14 4,562,482 4,677,273 543,605
167 Paragon Commercial Corp. Raleigh, N.C. 97.50 90.20 738,145 757,081 75,332
168 HomeStreet Inc. Seattle 97.49 87.94 1,915,284 1,964,513 268,321
169 First Horizon National Corp. Memphis, Tenn. 97.47 103.05 16,583,210 17,012,942 2,546,351
170 First Bank Lubbock Bancshares Inc. Tex. 97.44 90.71 479,606 492,211 38,154
  ServisFirst Bancshares Inc. Birmingham, Ala. 97.44 90.94 2,606,578 2,674,977 265,189
172 Northwest Bancshares Inc. Warren, Pa. 97.38 96.55 5,698,173 5,851,420 1,128,233
173 Valley National Bancorp Wayne, N.J. 97.24 105.35 10,931,926 11,242,622 1,521,553
174 County Bancorp Inc. Manitowoc, Wis. 97.19 103.69 577,065 593,765 84,696
175 IMB Holdco LLC Pasadena, Calif. 97.11 95.98 14,831,777 15,273,456 4,296,498
176 Diamond Bancorp Inc. Washington, Mo. 97.05 109.27 583,729 601,479 53,465
  Two Rivers Financial Group Inc. Burlington, Iowa 97.05 92.15 449,434 463,087 72,843
178 Independent Holdings Inc. Memphis, Tenn. 97.02 96.62 691,916 713,153 91,497
179 First BanCorp. San Juan, Puerto Rico 96.91 104.48 9,669,682 9,977,645 1,222,328
180 Brand Group Holdings Inc. Lawrenceville, Ga. 96.83 99.04 1,310,935 1,353,791 158,213
181 Eagle Bancorp Inc. Bethesda, Md. 96.81 96.34 2,796,125 2,888,236 365,371
182 Signature Bancorp Inc. Toledo, Ohio 96.73 90.23 490,598 507,169 57,737
183 Northway Financial Inc. Berlin, N.H. 96.66 81.26 643,968 666,192 78,738
184 JJR Holding Co. Inc. Brick, N.J. 96.63 101.54 444,901 460,426 65,454
185 First Financial Holdings Inc. Charleston, S.C. 96.58 99.98 2,457,850 2,544,867 308,034
186 United Financial Bancorp Inc. West Springfield, Mass. 96.55 92.31 1,863,335 1,929,835 300,319
187 PSB Holdings Inc. Wausau, Wis. 96.54 85.51 513,615 532,011 56,222
188 Pinnacle Financial Partners Inc. Nashville, Tenn. 96.50 93.83 3,953,328 4,096,577 696,669
189 Tri-County Financial Corp. Waldorf, Md. 96.38 91.26 753,605 781,935 81,072
190 First Defiance Financial Corp. Ohio 96.33 93.75 1,577,474 1,637,559 264,497
191 PNBK Holdings LLC Stamford, Conn. 96.27 91.57 462,158 480,080 54,960
192 Monarch Financial Holdings Inc. Chesapeake, Va. 96.14 106.40 863,963 898,646 94,754
193 First Farmers Financial Corp. Converse, Ind. 96.11 87.17 873,194 908,546 92,454
194 National Commerce Corp. Birmingham, Ala. 96.02 NA 519,019 540,559 86,584
195 Southern National Bancorp of Virginia Inc. McLean 96.00 100.37 524,284 546,144 104,936
196 Hampden Bancorp Inc. Springfield, Mass. 95.90 94.63 457,035 476,577 83,659
197 Capitol Bancorp. Inc. Britton, S.D. 95.88 92.34 514,873 537,000 161,302
198 Community Bancorp Derby, Vt. 95.86 94.47 426,060 444,459 44,378
199 Beacon Bancorp Taunton, Mass. 95.81 97.49 1,048,042 1,093,829 209,477
200 Lake Michigan Financial Corp. Holland, Mich. 95.77 98.28 803,175 838,646 77,574


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 June 30, 2013. Figures for thrifts are not available for 2011 due to revised reporting standards.

Source:

Financial Information Systems LLC

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