Highest Loan/Deposit Ratios Among Bank Holding Companies
November 02, 2006, 10:08 a.m. EST 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies
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Published November 2, 2006 | ||||||
Related Table: Highest Ratios and Fastest Percentage Growth | ||||||
Loans** as % of deposits | ||||||
June 30 | Year earlier | Loans** | Deposits | Equity capital | ||
1 | MetLife Inc. New York | 1093.24% | 1240.66% | $50,854,423 | $4,651,727 | $27,681,178 |
2 | Utrecht-America Holdings Inc. New York | 788.79 | 1,549.43 | 21,374,570 | 2,709,800 | 1,105,137 |
3 | Community Financial Services Inc. Atlanta | 510.79 | 486.64 | 1,213,634 | 237,600 | 115,788 |
4 | United National Corp. Sioux Falls, S.D. | 230.96 | 231.74 | 923,097 | 399,678 | 634,367 |
5 | Countrywide Financial Corp. Calabasas, Calif. | 228.09 | 302.94 | 115,303,152 | 50,552,049 | 14,296,957 |
6 | Taunus Corp. New York | 219.56 | 264.39 | 33,152,000 | 15,099,000 | 4,934,000 |
7 | HSBC North America Holdings Inc. Prospect Heights, Ill. | 201.39 | 203.16 | 277,994,491 | 138,037,363 | 33,692,470 |
8 | Independent Bankers Financial Corp. Irving, Tex. | 182.57 | 173.35 | 588,850 | 322,526 | 79,464 |
9 | Republic Bancorp Inc. Owosso, Mich. | 159.59 | 154.09 | 4,885,615 | 3,061,447 | 407,184 |
10 | R and G Financial Corp. Hato Rey, Puerto Rico | 147.48 | 124.98 | 8,999,984 | 6,102,503 | 546,604 |
11 | ITLA Capital Corp. La Jolla, Calif. | 146.93 | 138.52 | 2,686,961 | 1,828,731 | 208,923 |
12 | New York Community Bancorp Inc. Westbury | 140.68 | 133.66 | 19,447,767 | 13,823,869 | 3,697,170 |
13 | Popular Inc. Hato Rey, Puerto Rico | 137.39 | 126.63 | 32,217,000 | 23,450,000 | 3,463,000 |
14 | National City Corp. Cleveland | 136.9 | 142.15 | 113,948,894 | 83,235,947 | 12,609,764 |
15 | Beverly Hills Bancorp Inc. Calabasas, Calif. | 134.88 | NA | 949,015 | 703,623 | 171,355 |
16 | Rainier Pacific Financial Group Inc. Tacoma | 133.54 | 136.13 | 608,414 | 455,613 | 85,266 |
17 | Doral Financial Corp. San Juan, Puerto Rico | 132.07 | 92.96 | 5,568,519 | 4,216,479 | 1,030,661 |
18 | Santander BanCorp San Juan, Puerto Rico | 130.74 | 105.68 | 6,500,060 | 4,971,822 | 556,277 |
19 | ANB Bancshares Inc. Rogers, Ark. | 130.6 | 133.35 | 1,075,013 | 823,110 | 60,751 |
20 | Irwin Financial Corp. Columbus, Ind. | 130.5 | 133.17 | 5,048,341 | 3,868,313 | 529,581 |
21 | Northern Empire Bancshares Santa Rosa, Calif. | 130.03 | 120.87 | 1,184,795 | 911,159 | 116,826 |
22 | Capital One Financial Corp. McLean, Va. | 129.29 | 146.72 | 61,017,331 | 47,193,120 | 15,897,063 |
23 | Franklin Resources Inc. San Mateo, Calif. | 128.82 | 83.66 | 628,437 | 487,857 | 6,306,329 |
24 | City Bancorp Springfield, Mo. | 127.76 | 122.52 | 741,269 | 580,209 | 70,709 |
25 | Affinity Bank Holdings Inc. Ventura, Calif. | 127.28 | 132.05 | 824,378 | 647,696 | 52,090 |
26 | Charles Schwab Corp. San Francisco | 126.89 | 146.53 | 19,893,445 | 15,678,159 | 4,601,744 |
27 | Wauwatosa Holdings Inc. Wis. | 126.5 | NA | 1,373,678 | 1,085,948 | 235,538 |
28 | Republic Bancorp Inc. Louisville, Ky. | 126.44 | 123.45 | 2,197,644 | 1,738,154 | 225,614 |
29 | BBVAPR Holding Corp. San Juan, Puerto Rico | 124.5 | 125.55 | 3,900,297 | 3,132,820 | 495,255 |
30 | Camco Financial Corp. Cambridge, Ohio | 123.88 | 125.85 | 849,483 | 685,731 | 90,103 |
31 | Marshall & Ilsley Corp. Milwaukee | 122.79 | 123.33 | 40,442,881 | 32,935,842 | 5,757,526 |
32 | Chambers Bancshares Inc. Danville, Ark. | 122.58 | 114.52 | 762,246 | 621,817 | 81,143 |
33 | Orion Bancorp Inc. Naples, Fla. | 121.81 | 106.32 | 1,841,089 | 1,511,496 | 95,387 |
34 | First Mutual Bancshares Inc. Bellevue, Wash. | 121.78 | 118.07 | 929,238 | 763,076 | 63,701 |
35 | First National Bank Holding Co. Scottsdale, Ariz. | 120.34 | 112.62 | 3,449,072 | 2,866,045 | 208,309 |
36 | Pacific Continental Corp. Eugene, Ore. | 117.73 | 108.29 | 727,025 | 617,535 | 89,128 |
37 | KeyCorp Cleveland | 117.43 | 116.64 | 71,596,848 | 60,970,990 | 7,737,008 |
38 | U.S. Bancorp Minneapolis | 117.32 | 110.96 | 143,971,000 | 122,719,000 | 20,415,000 |
39 | CNLBancshares Inc. Orlando | 117.15 | 102.13 | 779,791 | 665,609 | 137,165 |
40 | Stearns Financial Services Inc. St. Cloud, Minn. | 116.8 | 115.62 | 1,418,804 | 1,214,776 | 151,236 |
41 | Hills Bancorp. Hills, Iowa | 116.2 | 107.58 | 1,246,617 | 1,072,860 | 132,831 |
42 | Summit Financial Group Inc. Moorefield, W.Va. | 115.95 | 120.77 | 882,999 | 761,562 | 76,559 |
43 | Cooperative Bankshares Inc. Wilmington, N.C. | 115.73 | 111.84 | 733,935 | 634,185 | 53,453 |
44 | BTC Financial Corp. Des Moines | 115.71 | 122.9 | 1,457,756 | 1,259,793 | 110,584 |
45 | First Regional Bancorp Century City, Calif. | 115.5 | 111.15 | 1,781,245 | 1,542,222 | 125,746 |
46 | First Horizon National Corp. Memphis | 114.96 | 111.85 | 24,942,314 | 21,695,788 | 2,442,193 |
47 | Republic First Bancorp Inc. Philadelphia | 114.86 | 104.41 | 740,577 | 644,765 | 69,369 |
48 | ABN Amro North America Holding Co. Chicago | 114.68 | 120.23 | 72,848,009 | 63,520,410 | 5,079,519 |
49 | Macon Bancorp Franklin, N.C. | 114.38 | 120.27 | 773,303 | 676,091 | 63,242 |
50 | TCF Financial Corp. Wayzata, Minn. | 114.36 | 116.8 | 11,154,185 | 9,753,371 | 977,385 |
51 | RBC Centura Banks Inc. Raleigh | 114.15 | 122.44 | 13,054,840 | 11,437,016 | 3,244,325 |
52 | Frontier Financial Corp. Everett, Wash. | 113.65 | 111.5 | 2,754,031 | 2,423,360 | 368,146 |
53 | Peoples Community Bancorp Inc. West Chester, Ohio | 113.32 | 120.92 | 899,548 | 793,802 | 94,658 |
54 | Associated Banc-Corp Green Bay, Wis. | 113.29 | 117.09 | 15,459,646 | 13,646,408 | 2,274,860 |
55 | Rockville Financial Inc. Vernon Rockville, Conn. | 113.24 | 109.67 | 964,223 | 851,512 | 84,922 |
56 | Horizon Financial Corp. Bellingham, Wash. | 112.9 | 111.23 | 1,005,603 | 890,733 | 114,401 |
57 | Fremont Bancorp. Calif. | 112.68 | 116.28 | 1,452,994 | 1,289,534 | 96,392 |
58 | FirstBank Corp. Alma, Mich. | 112.6 | 110.28 | 912,387 | 810,292 | 95,539 |
59 | Cascade Financial Corp. Everett, Wash. | 112.26 | 108.34 | 954,077 | 849,844 | 108,522 |
60 | AmericanWest Bancorp. Spokane | 112.12 | 116.28 | 1,194,757 | 1,065,625 | 148,695 |
61 | Amboy Bancorp. Old Bridge, N.J. | 112.08 | 109.92 | 2,109,261 | 1,881,935 | 214,049 |
62 | North Fork Bancorp. Inc. Melville, N.Y. | 111.72 | 104.07 | 40,957,900 | 36,662,398 | 9,062,577 |
63 | State Bankshares Inc. Fargo, N.D. | 111.72 | 113.17 | 1,416,481 | 1,267,838 | 77,634 |
64 | Dickinson Financial Corp. II Kansas City, Mo. | 111.39 | 111.72 | 3,366,850 | 3,022,642 | 487,502 |
65 | Greene County Bancshares Inc. Greeneville, Tenn. | 111.25 | 100.58 | 1,439,989 | 1,294,355 | 176,889 |
66 | Pacific Mercantile Bancorp Costa Mesa, Calif. | 111.09 | 104.35 | 713,954 | 642,655 | 80,909 |
67 | PremierWest Bancorp Medford, Ore. | 111.07 | 104.2 | 869,360 | 782,686 | 110,006 |
68 | First Mariner Bancorp Baltimore | 111.03 | 108.42 | 980,153 | 882,768 | 74,771 |
69 | East West Bancorp Inc. Pasadena, Calif. | 110.33 | 110.18 | 7,869,385 | 7,132,783 | 937,742 |
70 | Banner Corp. Walla Walla, Wash. | 109.48 | 106.42 | 2,824,033 | 2,579,457 | 232,502 |
71 | Hillcrest Bancshares Inc. Overland Park, Kan. | 109.12 | 108.36 | 1,207,695 | 1,106,727 | 110,478 |
72 | Minnwest Corp. Minnetonka, Minn. | 108.78 | 110.34 | 1,076,496 | 989,606 | 129,266 |
73 | Huntington Bancshares Inc. Columbus, Ohio | 108.16 | 111.65 | 26,649,585 | 24,637,913 | 2,939,156 |
74 | Boston Private Financial Holdings Inc. | 108.08 | 96.75 | 3,959,036 | 3,663,064 | 600,347 |
75 | M&T Bank Corp. Buffalo | 108.01 | 106.98 | 41,599,461 | 38,513,683 | 6,000,224 |
76 | Mercantile Bank Corp. Grand Rapids, Mich. | 107.92 | 107.76 | 1,670,471 | 1,547,912 | 161,659 |
77 | QCR Holdings Inc. Moline, Ill. | 107.83 | 113.19 | 867,084 | 804,103 | 56,175 |
78 | First Community Bancorp Rancho Santa Fe, Calif. | 107.82 | 98.84 | 3,435,823 | 3,186,611 | 875,330 |
79 | Pacific Capital Bancorp Santa Barbara, Calif. | 107.78 | 92.13 | 5,218,697 | 4,842,139 | 586,976 |
80 | Cascade Bancorp Bend, Ore. | 107.76 | 99.84 | 1,767,955 | 1,640,627 | 242,478 |
81 | Capitol Bancorp Ltd. Lansing, Mich. | 107.59 | 105.75 | 3,214,236 | 2,987,606 | 318,308 |
82 | Olney Bancshares of Texas Inc. | 107.36 | 105.28 | 819,617 | 763,424 | 77,662 |
83 | Abington MHC Jenkintown, Pa. | 106.94 | 102.05 | 581,772 | 544,009 | 61,876 |
84 | South Plains Financial Inc. Lubbock, Tex. | 106.92 | 100.38 | 1,042,455 | 975,006 | 75,664 |
85 | Community Bancorp Inc. Escondido, Calif. | 106.58 | 101.66 | 745,386 | 699,371 | 103,222 |
86 | First Olathe Bancshares Inc. Overland Park, Kan. | 106.29 | 112.31 | 1,121,734 | 1,055,399 | 76,208 |
87 | Webster Financial Corp. Waterbury, Conn. | 106.28 | 104 | 12,984,765 | 12,217,794 | 1,644,954 |
88 | Big Sandy Holding Co. Longmont, Colo. | 106.01 | 99.56 | 927,491 | 874,907 | 60,525 |
89 | Peoplesbancorp MHC Holyoke, Mass. | 105.85 | 111.62 | 952,962 | 900,276 | 107,212 |
90 | Trinity Capital Corp. Los Alamos, N.M. | 105.84 | 103.75 | 1,105,040 | 1,044,085 | 79,023 |
91 | Oak Hill Financial Inc. Jackson, Ohio | 105.7 | 105.2 | 1,033,814 | 978,038 | 90,246 |
92 | Compass Bancshares Inc. Birmingham, Ala. | 105.52 | 109.64 | 24,232,115 | 22,963,762 | 2,605,512 |
93 | Harris Financial Corp. Wilmington | 105.48 | 100.17 | 28,795,996 | 27,299,015 | 4,539,151 |
94 | Stark Bank Group Ltd. Fort Dodge, Iowa | 105.46 | 103.09 | 1,052,479 | 998,003 | 102,375 |
95 | Colonial BancGroup Inc. Montgomery, Ala. | 105.36 | 108.15 | 17,418,948 | 16,532,073 | 1,962,015 |
96 | Macatawa Bank Corp. Holland, Mich. | 105.2 | 110.09 | 1,655,381 | 1,573,628 | 147,899 |
97 | Merchants & Manufacturers Bancorp. New Berlin, Wis. | 105.13 | 103.59 | 1,202,693 | 1,143,995 | 92,435 |
98 | First Indiana Corp. Indianapolis | 105.09 | 105.36 | 1,660,680 | 1,580,272 | 174,160 |
99 | S&T Bancorp Inc. Indiana, Pa. | 105.06 | 108.21 | 2,624,441 | 2,497,948 | 337,598 |
100 | Florida Community Banks Inc. Immokalee | 105.01 | 103.11 | 900,740 | 857,756 | 78,660 |
101 | SunTrust Banks Inc. Atlanta | 104.97 | 107 | 131,063,112 | 124,852,437 | 17,423,920 |
102 | First National Lincoln Corp. Damariscotta, Maine | 104.95 | 106.92 | 825,939 | 786,961 | 105,630 |
103 | Citigroup Inc. New York | 104.55 | 102.61 | 675,181,000 | 645,805,000 | 115,428,000 |
104 | Wells Fargo & Co. San Francisco | 104.43 | 121.49 | 340,930,000 | 326,452,000 | 41,894,000 |
105 | Comerica Inc. Detroit | 104.34 | 97.47 | 46,540,519 | 44,604,277 | 5,189,345 |
106 | Independent Alliance Banks Inc. Fort Wayne, Ind. | 104.31 | 98.83 | 646,534 | 619,794 | 73,142 |
107 | Salin Bancshares Inc. Indianapolis | 104.14 | 113.34 | 698,510 | 670,731 | 75,075 |
108 | Fifth Third Bancorp Cincinnati | 104.04 | 106.18 | 73,507,653 | 70,652,481 | 9,555,789 |
109 | Sterling Financial Corp. Spokane | 103.91 | NA | 5,560,821 | 5,351,437 | 514,141 |
110 | First Bancorp Inc. Lebanon, Va. | 103.82 | 101.82 | 722,239 | 695,639 | 57,010 |
111 | Silver State Bancorp Henderson, Nev. | 103.72 | 98.21 | 794,549 | 766,088 | 88,681 |
112 | Synovus Financial Corp. Columbus, Ga. | 103.38 | 102.63 | 23,832,614 | 23,053,699 | 3,373,458 |
113 | Enterprise Financial Services Corp St. Louis | 103.37 | 96.7 | 1,111,934 | 1,075,714 | 99,196 |
114 | Virginia Commerce Bancorp Inc. Arlington | 103.36 | 92.67 | 1,476,350 | 1,428,393 | 125,073 |
115 | CoBiz Inc. Denver | 103.3 | 94.28 | 1,455,285 | 1,408,854 | 145,149 |
116 | SCBT Financial Corp. Columbia, S.C. | 103.24 | 101.39 | 1,675,776 | 1,623,238 | 154,518 |
117 | Total Bancshares Corp. Miami | 103.18 | 94.86 | 837,920 | 812,096 | 69,204 |
118 | First Charter Corp. Charlotte | 103.07 | 104.18 | 3,080,670 | 2,988,803 | 336,935 |
119 | South Financial Group Inc. Greenville, S.C. | 102.97 | 101.58 | 9,518,206 | 9,244,045 | 1,484,989 |
120 | First Bancorp Troy, N.C. | 102.96 | 97.06 | 1,639,129 | 1,592,028 | 159,915 |
121 | S.Y. Bancorp Inc. Louisville | 102.63 | 102.19 | 1,090,502 | 1,062,519 | 129,810 |
122 | BancPlus Corp. Belzoni, Miss. | 102.58 | 99.07 | 1,299,118 | 1,266,391 | 137,410 |
123 | Fishback Financial Corp. Brookings, S.D. | 102.57 | 96.95 | 963,794 | 939,605 | 98,286 |
124 | Cathay General Bancorp Los Angeles | 102.56 | 86.38 | 5,388,551 | 5,253,910 | 861,917 |
125 | Leesport Financial Corp. Wyomissing, Pa. | 102.49 | 102.31 | 710,349 | 693,061 | 95,394 |
126 | First Merchants Corp. Muncie, Ind. | 102.42 | 101.58 | 2,596,778 | 2,535,400 | 313,004 |
127 | BB&T Corp. Winston-Salem, N.C. | 102.26 | 99.88 | 80,283,633 | 78,512,801 | 11,164,113 |
128 | Bank of Highland Park Financial Corp. Ill. | 102.11 | 100.16 | 813,077 | 796,253 | 65,587 |
129 | Marquette Financial Cos. Minneapolis | 102 | 138.18 | 1,437,314 | 1,409,100 | 406,909 |
130 | Gateway Financial Holdings Inc. Elizabeth City, N.C. | 101.9 | 101.35 | 852,381 | 836,528 | 102,239 |
131 | BancWest Corp. Honolulu | 101.84 | 98.3 | 44,407,910 | 43,603,465 | 7,008,320 |
132 | Premier Bancshares Inc. Jefferson City, Mo. | 101.84 | 108.81 | 787,477 | 773,216 | 55,223 |
133 | Cardinal Financial Corp. McLean, Va. | 101.82 | 107.57 | 1,156,103 | 1,135,492 | 149,579 |
134 | Coppermark Bancshares Inc. Oklahoma City | 101.82 | 102.98 | 770,387 | 756,651 | 61,867 |
135 | Heritage Financial Corp. Olympia, Wash. | 101.74 | 101.37 | 722,585 | 710,198 | 75,331 |
136 | Spirit Bankcorp Inc. Bristow, Okla. | 101.73 | 111.29 | 743,166 | 730,522 | 51,031 |
137 | Fulton Financial Corp. Lancaster, Pa. | 101.72 | 99.5 | 10,320,923 | 10,146,652 | 1,440,188 |
138 | Vineyard National Bancorp Corona, Calif. | 101.69 | 120.42 | 1,551,313 | 1,525,556 | 128,897 |
139 | Bank of America Corp. Charlotte | 101.41 | 84.9 | 686,627,715 | 677,059,440 | 127,841,462 |
140 | ATBancorp Dubuque, Iowa | 101.41 | 97.28 | 668,236 | 658,931 | 57,208 |
141 | Central Pacific Financial Corp. Honolulu | 101.36 | 92.05 | 3,714,050 | 3,664,160 | 698,818 |
142 | Sky Financial Group Inc. Bowling Green, Ohio | 101.34 | 102.14 | 11,240,330 | 11,091,721 | 1,574,513 |
143 | HNB Corp. Arkansas City, Kan. | 101.32 | 93.1 | 657,304 | 648,725 | 70,824 |
144 | Community Bancorp Las Vegas | 101.25 | 92.95 | 803,328 | 793,433 | 114,172 |
145 | Bremer Financial Corp. St. Paul | 101.22 | 108.05 | 4,803,490 | 4,745,397 | 557,567 |
146 | Montgomery Bancorp. Inc. Sikeston, Mo. | 101.22 | 97.69 | 654,961 | 647,096 | 42,601 |
147 | United Bankshares Inc. Charleston, W.Va. | 101.21 | 100.26 | 4,812,892 | 4,755,489 | 635,027 |
148 | Citizens Banking Corp. Flint, Mich. | 101.07 | 106.78 | 5,746,218 | 5,685,234 | 649,871 |
149 | W.T.B. Financial Corp. Spokane | 101.04 | 97.41 | 2,567,037 | 2,540,540 | 275,611 |
150 | AmSouth Bancorp. Birmingham, Ala. | 101.01 | 95.82 | 37,831,731 | 37,453,764 | 3,579,061 |
Notes: *Among 500 largest companies that file Y-9C reports with the Federal Reserve. **Includes leases
Source: SNL Financial, Charlottesville, Va.
© 2006 American Banker