Highest Loan/Deposit Ratios Among Bank Holding Companies
March 12, 2008, 10:08 a.m. EDT 1 Min Read
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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 | ||||||
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Related Table: Select Ratios and Fastest Percentage Growth | ||||||
Rank | | | | | ||
Sept. 30 | | |||||
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.
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