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 Sept. 30, 2007. Dollars in thousands
Published March 12, 2008

Related Table: Select Ratios and Fastest Percentage Growth
Rank   Loans as % of deposits** Loans** Deposits Equity capital
Sept. 30 Year earlier
1 MetLife Inc. New York 1297.30% 1143.70% $58,400,145 $4,501,703 $34,746,837
2 Silverton Financial Services Inc. Atlanta 1139.5 506.9 1,533,893 134,615 137,191
3 Taunus Corp. New York 502.2 240.3 59,863,000 11,920,000 3,909,000
4 Stifel Financial Corp. St. Louis 367.5 NA 629,902 171,411 406,646
5 Utrecht-America Holdings Inc. New York 337.4 798.1 16,597,843 4,919,217 427,347
6 United National Corp. Sioux Falls, S.D. 234.4 229.7 1,076,339 459,213 735,409
7 Cass Information Systems Inc. Bridgeton, Mo. 190.5 189.2 511,207 268,365 94,366
8 HSBC North America Holdings Inc. Prospect Heights, Ill. 185.0 205.1 291,766,568 157,752,298 31,028,523
9 Franklin Resources Inc. San Mateo, Calif. 170.1 131.2 772,023 453,840 7,332,275
10 Irwin Financial Corp. Columbus, Ind. 162.2 138.9 5,681,037 3,503,073 488,796
11 Independent Bankers Financial Corp. Irving, Tex. 147.7 198.1 707,646 478,976 97,881
12 Imperial Capital Bancorp Inc. La Jolla, Calif. 144.5 141.1 3,185,623 2,204,700 227,311
13 Beverly Hills Bancorp Inc. Calabasas, Calif. 143.5 114.7 1,057,407 736,793 156,127
14 BBVAPR Holding Corp. San Juan, Puerto Rico 141.7 124.8 4,218,460 2,977,756 521,829
15 Republic Bancorp Inc. Louisville 138.3 131.8 2,399,014 1,734,309 243,970
16 New York Community Bancorp Inc. Westbury 138.1 141.6 19,001,516 13,759,990 4,031,474
17 First Horizon National Corp. Memphis 136.5 97.9 25,440,342 18,634,234 2,421,827
18 Rainier Pacific Financial Group Inc. Tacoma 135.5 134.6 633,319 467,341 89,638
19 Marshall & Ilsley Corp. Milwaukee 133.1 123.3 44,972,764 33,780,917 7,021,963
20 Marquette Financial Cos. Minneapolis 132.8 121.5 2,175,065 1,638,345 438,842
21 R and G Financial Corp. Hato Rey, Puerto Rico 130.7 148.4 8,204,952 6,278,273 370,361
22 National City Corp. Cleveland 126.2 135.9 123,987,829 98,258,722 13,842,851
23 Popular Inc. Hato Rey, Puerto Rico 125.3 137.3 33,321,000 26,602,000 3,804,000
24 U.S. Bancorp Minneapolis 125.2 121.6 153,640,000 122,748,000 20,686,000
25 First National Bank Holding Co. Scottsdale, Ariz. 124.4 126.6 3,912,170 3,145,827 222,672
26 Macon Bancorp Franklin, N.C. 123.7 112.8 829,764 670,735 78,586
27 TCF Financial Corp. Wayzata, Minn. 122.3 115.5 12,028,067 9,838,029 1,043,447
28 Ida Grove Bancshares Inc. Iowa 122.0 119.8 852,262 698,631 71,153
29 Orion Bancorp Inc. Naples, Fla. 121.8 119.8 2,006,617 1,646,956 126,324
30 Doral GP Ltd. San Juan, Puerto Rico 121.1 NA 4,961,131 4,095,718 573,250
31 Camco Financial Corp. Cambridge, Ohio 121.1 122.2 844,786 697,840 88,838
32 Summit Financial Group Inc. Moorefield, W.Va. 120.3 105.0 996,601 828,597 93,475
33 Peoplesbancorp MHC Holyoke, Mass. 119.3 110.2 1,052,252 881,935 114,086
34 Minnehaha Banshares Inc. Sioux Falls, S.D. 119.1 109.8 747,274 627,515 100,085
35 Comerica Inc. Dallas 118.2 102.9 49,695,520 42,049,741 5,076,611
36 Hills Bancorp. Hills, Iowa 118.1 118.2 1,348,283 1,141,528 148,126
Cascade Financial Corp. Everett, Wash. 118.1 117.5 1,071,726 907,684 118,881
38 Frontier Financial Corp. Everett, Wash. 117.8 115.0 3,318,236 2,817,432 398,137
Rockville Financial MHC Inc. Vernon Rockville, Conn. 117.8 119.3 1,125,344 955,729 87,168
40 BTC Financial Corp. Des Moines 117.6 114.2 1,652,270 1,405,065 133,893
QCR Holdings Inc. Moline, Ill. 117.6 108.0 1,052,949 895,490 75,780
42 CNLBancshares Inc. Orlando 117.5 117.7 1,140,255 970,206 160,855
South Plains Financial Inc. Lubbock, Tex. 117.5 116.4 1,374,790 1,169,841 88,152
44 Pacific Continental Corp. Eugene, Ore. 117.4 121.4 804,332 684,881 104,417
45 Bank of America Corp. Charlotte 117.3 104.3 821,988,217 700,685,484 138,510,090
46 Citizens Republic Bancorp Inc. Flint, Mich. 117.0 102.5 9,295,610 7,944,368 1,561,873
Bank of Florida Corp. Naples 117.0 110.3 1,152,263 985,149 198,762
48 Boston Private Financial Holdings Inc. 116.9 107.7 5,040,955 4,313,240 690,303
49 Affinity Bank Holdings Inc. Ventura, Calif. 116.8 122.4 841,637 720,348 47,111
First Regional Bancorp Century City, Calif. 116.8 116.9 1,979,881 1,694,934 168,315
Horizon Financial Corp. Bellingham, Wash. 116.8 114.4 1,165,008 997,706 128,066
Wells Fargo & Co. San Francisco 116.8 110.7 393,632,000 337,122,000 47,738,000
53 Capital One Financial Corp. McLean, Va. 116.7 132.4 97,267,047 83,345,149 24,786,852
54 M&T Bank Corp. Buffalo 116.4 107.7 44,778,472 38,473,179 6,238,004
55 Santander BanCorp San Juan, Puerto Rico 115.9 125.5 7,041,830 6,077,526 573,268
56 KeyCorp Cleveland 115.5 117.9 73,790,094 63,865,765 7,819,692
57 Vineyard National Bancorp Corona, Calif. 115.3 104.8 2,134,382 1,851,400 175,369
58 Cooperative Bankshares Inc. Wilmington, N.C. 115.2 114.6 816,546 708,762 63,484
59 First Mutual of Richmond Inc. Ind. 115.0 120.4 690,901 600,623 82,669
60 Pacific Capital Bancorp Santa Barbara, Calif. 114.7 108.1 5,560,517 4,848,647 665,117
61 Sterling Financial Corp. Spokane 114.3 107.4 8,899,062 7,784,859 1,158,718
62 Green Bankshares Inc. Greeneville, Tenn. 114.3 119.8 2,332,652 2,041,106 321,174
Center Financial Corp. Los Angeles 114.3 103.7 1,737,907 1,521,055 158,847
64 East West Bancorp Inc. Pasadena, Calif. 114.2 118.8 8,551,747 7,489,431 1,166,555
65 Macatawa Bank Corp. Holland, Mich. 114.1 103.2 1,737,611 1,522,311 163,731
Bancorp Inc. Wilmington, Del. 114.1 92.8 1,262,333 1,105,925 162,584
67 Cascade Bancorp Bend, Ore. 114.0 114.8 2,041,534 1,790,472 284,737
68 Harris Financial Corp. Wilmington, Del. 113.8 107.8 34,200,623 30,053,286 5,110,739
Beacon Bancorp Taunton, Mass. 113.8 105.5 835,057 733,857 169,904
70 Stearns Financial Services Inc. St. Cloud, Minn. 113.6 114.1 1,455,836 1,281,377 180,550
Fifth Third Bancorp Cincinnati 113.6 108.1 79,013,651 69,571,536 9,292,927
72 First Community Bancorp San Diego 113.5 116.9 3,909,014 3,445,727 1,182,772
73 First Olathe Bancshares Inc. Overland Park, Kan. 113.0 110.4 1,252,705 1,108,929 92,263
74 Silver State Bancorp Henderson, Nev. 112.2 100.1 1,522,071 1,356,069 152,088
75 Southern Community Financial Corp. Winston-Salem, N.C. 112.0 99.5 1,158,168 1,033,718 140,836
76 Wachovia Corp. Charlotte 111.9 94.0 475,627,000 425,184,000 70,140,000
77 SunTrust Banks Inc. Atlanta 111.7 106.7 129,423,840 115,859,713 17,907,247
78 Liberty Financial Group Inc. Eugene, Ore. 111.2 118.8 857,617 771,421 77,418
FirstBank Corp. Alma, Mich. 111.2 111.5 1,117,206 1,005,162 117,837
80 Carolina Financial Corp. Charleston, S.C. 111.1 109.9 770,274 693,137 47,941
81 Wilmington Trust Corp. Del. 111.0 98.6 8,365,609 7,538,152 1,098,048
82 First Financial Service Corp. Elizabethtown, Ky. 110.5 112.1 769,623 696,604 72,309
83 State Bankshares Inc. Fargo, N.D. 110.4 110.1 1,524,665 1,380,741 88,083
Capitol Bancorp Ltd. Lansing, Mich. 110.4 106.8 4,056,364 3,673,950 390,466
85 Citizens Financial Group Inc. Providence, R.I. 110.1 107.4 110,873,479 100,721,774 23,365,337
First National Lincoln Corp. Damariscotta, Maine 110.1 97.7 892,988 811,396 112,105
87 West Bancorp. Inc. West Des Moines, Iowa 109.9 92.5 943,393 858,218 120,045
88 Dearborn Bancorp Inc. Mich. 109.8 113.9 945,756 861,534 139,524
89 Mercantile Bank Corp. Grand Rapids, Mich. 109.5 105.9 1,796,963 1,640,984 177,724
Horizon Bancorp Michigan City, Ind. 109.5 102.5 871,240 795,844 67,666
91 Republic First Bancorp Inc. Philadelphia 109.3 102.5 841,774 769,925 78,372
92 Nara Bancorp Inc. Los Angeles 109.1 101.2 1,979,318 1,814,463 212,627
93 First Charter Corp. Charlotte 108.7 105.0 3,487,768 3,208,026 457,488
Community Bancorp Las Vegas 108.7 107.0 1,368,355 1,258,903 235,761
S.Y. Bancorp Inc. Louisville 108.7 104.3 1,160,408 1,067,830 138,623
96 Spirit Bankcorp Inc. Bristow, Okla. 108.5 97.6 907,418 836,052 59,957
AmericanWest Bancorp. Spokane 108.5 108.1 1,732,542 1,597,279 288,153
98 Fremont Bancorp. Calif. 108.4 107.6 1,674,482 1,545,078 105,908
TIB Financial Corp. Naples, Fla. 108.4 106.8 1,105,597 1,020,114 99,022
100 Assabet Valley Bancorp Hudson, Mass. 108.3 112.5 710,840 656,363 63,859
101 Bryn Mawr Bank Corp. Pa. 108.2 105.7 780,980 721,624 88,856
PremierWest Bancorp Medford, Ore. 108.2 107.9 1,002,725 926,685 125,148
NewAlliance Bancshares Inc. New Haven, Conn. 108.2 97.7 4,678,143 4,323,780 1,418,832
104 VIST Financial Corp. Wyomissing, Pa. 108.1 108.3 808,253 747,891 104,921
105 Fulton Financial Corp. Lancaster, Pa. 107.9 102.6 11,104,758 10,291,186 1,554,120
Enterprise Financial Services Corp. St. Louis 107.9 99.4 1,560,003 1,446,435 169,243
107 Associated Banc-Corp Green Bay, Wis. 107.6 108.2 15,237,390 14,158,369 2,291,182
First Bancorp Inc. Lebanon, Va. 107.6 104.0 791,107 735,570 69,077
109 South Financial Group Inc. Greenville, S.C. 107.3 104.0 10,192,809 9,503,588 1,548,251
110 Merchants & Manufacturers Bancorp. New Berlin, Wis. 106.7 103.9 1,186,505 1,111,910 93,466
Amboy Bancorp. Old Bridge, N.J. 106.7 110.0 2,085,579 1,955,524 238,678
112 Synovus Financial Corp. Columbus, Ga. 106.6 101.6 25,940,493 24,325,044 4,054,356
Community Bankshares Inc. Greenwood Village, Colo. 106.6 103.4 1,554,444 1,457,794 159,823
114 Hillcrest Bancshares Inc. Overland Park, Kan. 106.1 103.1 1,505,313 1,419,224 146,678
115 Cathay General Bancorp Los Angeles 105.9 100.7 6,428,353 6,070,806 948,919
116 Zions Bancorp. Salt Lake City 105.8 100.3 37,846,124 35,773,970 5,256,980
117 BB&T Corp. Winston-Salem, N.C. 105.7 102.4 90,059,466 85,185,058 12,402,452
Hanmi Financial Corp. Los Angeles 105.7 95.8 3,219,850 3,047,577 482,909
119 BBVA USA Bancshares Inc. The Woodlands, Tex. 105.5 107.3 25,645,839 24,318,483 9,136,422
Eastern Virginia Bankshares Inc. Tappahannock 105.5 98.6 697,283 661,181 89,489
121 CoBiz Financial Inc. Denver 105.4 108.6 1,748,333 1,659,030 192,024
122 Minnwest Corp. Minnetonka, Minn. 105.3 109.5 1,193,798 1,133,863 142,351
123 Huntington Bancshares Inc. Columbus, Ohio 105.2 107.6 40,457,756 38,453,039 6,249,674
Citigroup Inc. New York 105.2 103.5 854,724,000 812,850,000 127,113,000
125 Home Federal Bancorp Columbus, Ind. 105.0 96.9 731,181 696,359 68,880
Hometown Community Bancorp Inc. Morton, Ill. 105.0 91.1 1,098,269 1,046,302 90,840
S&T Bancorp Inc. Indiana, Pa. 105.0 103.1 2,751,564 2,621,764 327,863
128 Crescent Banking Co. Jasper, Ga. 104.9 106.0 802,920 765,108 65,851
Southwest Bancorp Inc. Stillwater, Okla. 104.9 103.1 2,007,950 1,913,744 213,838
Reliance Bancshares Inc. Des Peres, Mo. 104.9 88.3 838,822 799,599 138,659
131 Lakeside Bancorp Inc. Chicago 104.8 111.3 771,414 736,333 86,764
132 Temecula Valley Bancorp Inc. Calif. 104.6 104.3 1,204,474 1,151,552 104,944
133 United Bankshares Inc. Charleston, W.Va. 104.5 100.1 5,587,280 5,346,237 755,269
134 Stark Bank Group Ltd. Fort Dodge, Iowa 104.4 104.0 1,202,101 1,152,011 120,315
Savannah Bancorp Inc. Ga. 104.4 103.4 778,303 745,878 75,164
136 BancWest Corp. Honolulu 104.3 100.5 48,161,055 46,155,922 7,776,482
PrivateBancorp Inc. Chicago 104.3 97.1 3,741,785 3,588,062 318,400
138 Greater Community Bancorp Totowa, N.J. 104.2 98.8 789,410 757,320 70,995
139 First Merchants Corp. Muncie, Ind. 104.1 98.2 2,873,329 2,759,175 332,741
Central Pacific Financial Corp. Honolulu 104.1 100.1 4,103,924 3,942,259 743,972
Gateway Financial Holdings Inc. Virginia Beach 104.1 107.4 1,408,720 1,353,297 140,933
142 Bangor Bancorp MHC Bangor, Maine 104.0 NA 1,663,368 1,599,390 199,532
143 ANB Bancshares Inc. Rogers, Ark. 103.9 136.3 1,778,251 1,710,954 88,635
Orrstown Financial Services Inc. Shippensburg, Pa. 103.9 96.7 684,430 658,870 94,266
145 StellarOne Corp. Culpeper, Va. 103.7 94.1 1,217,962 1,174,459 159,152
146 Texas Capital Bancshares Inc. Dallas 103.6 98.1 3,414,711 3,295,979 284,209
New Frontier Bancorp Greeley, Colo. 103.6 95.6 1,435,575 1,385,748 121,552
Glacier Bancorp Inc. Kalispell, Mont. 103.6 100.3 3,487,060 3,366,731 515,273
149 West Coast Bancorp Lake Oswego, Ore. 103.5 93.4 2,185,809 2,111,453 217,911
Investors Bancorp MHC Short Hills, N.J. 103.5 94.9 3,877,482 3,747,387 477,226


*Among 500 top tier largest bank holding companies that file Y-9C reports with the Federal Reserve. **Includes leases.
Source:

SNL Financial
, Charlottesville, Va.
© 2008 American Banker