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Highest Loan/Deposit Ratios Among Bank Holding Companies

June 10, 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 Companies*On Dec. 31, 2007. Dollars in thousands
Published June 10, 2008
Related Table: Select Ratios and Fastest Percentage Growth
Rank   Loans as % of deposits** Loans* Deposits Equity capital
Dec. 31 Year earlier
1 MetLife Inc. New York 1345.4% 1184.3% $60,999,739 $4,533,880 $35,178,824
2 Silverton Financial Services Inc. Atlanta 834.1 587.4 1,538,234 184,427 145,778
3 Taunus Corp. New York 572.7 334.0 68,239,000 11,916,000 2,623,000
4 Utrecht-America Holdings Inc. New York 354.4 778.1 17,068,686 4,816,611 -654,166
5 Stifel Financial Corp. St. Louis 324.0 NA 623,642 192,487 424,637
6 United National Corp. Sioux Falls, S.D. 232.2 232.1 1,107,266 476,796 698,327
7 Independent Bankers Financial Corp. Irving, Tex. 191.6 189.1 787,697 411,210 98,826
8 Cass Information Systems Inc. Bridgeton, Mo. 182.2 173.9 498,455 273,596 99,452
9 HSBC North America Holdings Inc. Mettawa, Ill. 176.5 200.0 291,343,534 165,098,532 24,812,436
10 Irwin Financial Corp. Columbus, Ind. 171.5 153.9 5,701,922 3,325,506 469,043
11 Franklin Resources Inc. San Mateo, Calif. 165.3 93.0 883,483 534,369 7,012,891
12 Beverly Hills Bancorp Inc. Calabasas, Calif. 157.2 123.4 1,002,051 637,629 154,534
13 New York Community Bancorp Inc. Westbury 152.9 153.9 20,365,070 13,317,741 4,182,313
14 First Horizon National Corp. Memphis 151.8 123.6 25,856,817 17,034,023 2,135,596
15 BBVAPR Holding Corp. San Juan, Puerto Rico 150.7 130.5 4,369,483 2,898,612 530,660
16 Imperial Capital Bancorp Inc. La Jolla, Calif. 144.3 145.5 3,177,871 2,202,753 227,567
17 Santander BanCorp San Juan, Puerto Rico 137.1 130.5 7,075,308 5,161,166 542,670
18 Rainier Pacific Financial Group Inc. Tacoma 136.6 137.9 637,000 466,400 86,820
19 R and G Financial Corp. Hato Rey, Puerto Rico 132.0 130.2 5,868,662 4,447,132 338,221
20 Marshall & Ilsley Corp. Milwaukee 131.6 123.0 46,296,952 35,171,551 7,032,729
21 TCF Financial Corp. Wayzata, Minn. 129.3 116.4 12,494,371 9,663,190 1,099,012
22 Summit Financial Group Inc. Moorefield, W.Va. 128.3 104.9 1,062,912 828,687 89,420
23 Pacific Continental Corp. Eugene, Ore. 127.3 119.8 822,744 646,390 107,509
24 Marquette Financial Cos. Minneapolis 127.1 128.7 2,153,068 1,694,670 418,962
25 Capital One Financial Corp. McLean, Va. 124.0 124.9 102,908,785 82,991,117 24,294,112
26 Doral GP Ltd. San Juan, Puerto Rico 123.9 NA 5,284,525 4,264,456 3
27 First Community Bancorp San Diego 123.6 117.8 4,017,487 3,251,734 1,138,352
28 Orion Bancorp Inc. Naples, Fla. 123.3 119.7 2,050,248 1,662,405 130,525
National City Corp. Cleveland 123.3 124.2 120,322,067 97,565,108 13,407,828
30 Macon Bancorp Franklin, N.C. 123.1 113.6 832,389 676,459 81,080
31 Frontier Financial Corp. Everett, Wash. 122.7 118.5 3,612,122 2,943,270 459,612
32 Cascade Bancorp Bend, Ore. 122.5 113.6 2,041,478 1,667,213 275,286
33 Bank of Florida Corp. Naples 122.2 113.4 1,144,762 937,116 198,931
34 Minnehaha Banshares Inc. Sioux Falls 122.0 113.4 810,043 664,074 103,532
Republic Bancorp Inc. Louisville 122.0 128.1 2,401,351 1,968,812 248,860
36 Cascade Financial Corp. Everett, Wash. 121.9 117.6 1,104,429 905,744 122,096
37 Affinity Bank Holdings Inc. Ventura, Calif. 121.8 120.2 830,929 682,420 47,553
38 East West Bancorp Inc. Pasadena, Calif. 121.3 114.1 8,839,899 7,288,920 1,171,823
39 U.S. Bancorp Minneapolis 120.7 117.6 158,646,000 131,445,000 21,046,000
40 Hills Bancorp. Hills, Iowa 120.6 117.5 1,379,096 1,143,926 152,895
41 Boston Private Financial Holdings Inc. 120.3 105.8 5,267,740 4,379,950 673,246
42 Horizon Financial Corp. Bellingham, Wash. 119.9 111.6 1,211,091 1,010,041 127,938
First National Bank Holding Co. Scottsdale, Ariz. 119.9 134.2 3,798,150 3,168,485 211,190
44 KeyCorp Cleveland 119.3 117.2 75,559,216 63,311,632 7,745,320
45 QCR Holdings Inc. Moline, Ill. 119.1 109.7 1,106,900 929,427 86,066
46 Texas Capital Bancshares Inc. Dallas 118.6 95.7 3,636,688 3,066,383 295,138
47 Sterling Financial Corp. Spokane 118.5 106.2 9,110,264 7,691,531 1,185,330
48 CNLBancshares Inc. Orlando 118.3 116.3 1,202,624 1,016,941 163,221
49 Rockville Financial MHC Inc. Vernon Rockville, Conn. 118.1 117.3 1,126,960 954,270 87,923
First Regional Bancorp Century City, Calif. 118.1 112.5 2,055,106 1,740,337 174,606
51 Wells Fargo & Co. San Francisco 118.0 113.9 409,958,000 347,396,000 47,628,000
First Bancorp Inc. Damariscotta, Maine 118.0 104.1 921,981 781,280 112,668
53 Camco Financial Corp. Cambridge, Ohio 117.9 120.2 822,898 697,762 88,633
54 Harris Financial Corp. Wilmington, Del. 117.8 101.6 35,023,851 29,741,302 5,238,372
55 Green Bankshares Inc. Greeneville, Tenn. 117.7 114.8 2,358,707 2,004,093 322,477
56 Ida Grove Bancshares Inc. Iowa 117.4 115.9 864,763 736,345 72,791
57 Stearns Financial Services Inc. St. Cloud, Minn. 117.1 116.0 1,301,649 1,112,067 172,598
58 M&T Bank Corp. Buffalo 116.4 107.6 48,021,562 41,266,188 6,485,256
59 AmericanWest Bancorp. Spokane 116.1 108.8 1,775,201 1,529,469 283,987
60 Peoplesbancorp MHC Holyoke, Mass. 116.0 113.3 1,049,239 904,198 117,378
61 BTC Financial Corp. Des Moines 115.9 110.0 1,717,824 1,482,146 140,172
Dearborn Bancorp Inc. Mich. 115.9 119.7 953,150 822,627 137,548
63 VIST Financial Corp. Wyomissing, Pa. 115.7 109.6 824,164 712,646 106,592
64 Citizens Republic Bancorp Inc. Flint, Mich. 115.4 108.1 9,577,076 8,302,677 1,577,880
65 South Plains Financial Inc. Lubbock, Tex. 115.3 115.8 1,428,282 1,238,399 91,744
66 Cooperative Bankshares Inc. Wilmington, N.C. 115.2 115.6 823,784 715,414 65,177
67 Macatawa Bank Corp. Holland, Mich. 115.1 103.0 1,753,759 1,523,888 160,625
68 Liberty Financial Group Inc. Eugene, Ore. 115.0 115.0 869,128 755,916 79,657
69 Community Bancorp Las Vegas 114.9 106.3 1,413,988 1,230,462 235,119
70 Spirit Bankcorp Inc. Bristow, Okla. 114.8 98.1 934,625 814,248 62,310
71 Fremont Bancorp. Calif. 114.7 119.0 1,666,059 1,452,125 106,927
72 Comerica Inc. Dallas 114.6 104.7 50,960,854 44,463,843 5,117,095
Center Financial Corp. Los Angeles 114.6 108.4 1,810,139 1,580,008 157,453
74 Silver State Bancorp Henderson, Nev. 114.1 106.4 1,627,839 1,426,504 157,617
75 Southern Community Financial Corp. Winston-Salem, N.C. 113.9 100.9 1,190,366 1,045,237 142,339
76 First Olathe Bancshares Inc. Overland Park, Kan. 113.7 107.1 1,325,458 1,166,122 94,447
77 Glacier Bancorp Inc. Kalispell, Mont. 113.4 100.2 3,611,537 3,184,479 528,576
78 Mercantile Bank Corp. Grand Rapids, Mich. 113.1 106.0 1,799,880 1,591,181 178,155
79 Plains Capital Corp. Dallas 112.7 93.3 2,697,377 2,393,354 232,781
Bank of America Corp. Charlotte 112.7 104.3 908,519,184 806,344,786 146,803,412
Capitol Bancorp Ltd. Lansing, Mich. 112.7 108.1 4,331,120 3,844,745 389,145
82 Beacon Bancorp Taunton, Mass. 112.2 108.2 837,697 746,408 170,541
83 Fulton Financial Corp. Lancaster, Pa. 111.9 103.7 11,308,408 10,105,445 1,574,920
Fifth Third Bancorp Cincinnati 111.9 108.6 84,580,053 75,618,598 9,161,061
85 Associated Banc-Corp Green Bay, Wis. 111.7 106.5 15,610,693 13,973,913 2,329,705
Assabet Valley Bancorp Hudson, Mass. 111.7 112.2 711,308 637,090 73,857
87 PrivateBancorp Inc. Chicago 111.6 99.0 4,197,153 3,761,138 500,793
88 Big Sandy Holding Co. Longmont, Colo. 111.5 100.9 1,151,943 1,033,289 74,034
89 SunTrust Banks Inc. Atlanta 111.3 107.4 131,170,689 117,842,650 18,052,518
90 FirstBank Corp. Alma, Mich. 110.9 109.0 1,124,056 1,013,955 118,611
91 Carolina Financial Corp. Charleston, S.C. 110.8 111.2 772,331 696,892 49,345
92 State Bankshares Inc. Fargo, N.D. 110.5 109.1 1,605,057 1,452,276 90,993
93 Cardinal Financial Corp. McLean, Va. 110.3 97.2 1,210,171 1,096,925 159,463
94 Nara Bancorp Inc. Los Angeles 110.2 102.2 2,021,033 1,833,345 222,180
95 Vineyard National Bancorp Corona, Calif. 110.1 105.3 2,132,025 1,936,218 128,698
96 Community Bankshares Inc. Greenwood Village, Colo. 109.8 105.6 1,660,651 1,511,948 158,985
97 PremierWest Bancorp Medford, Ore. 109.5 104.7 1,024,288 935,315 127,675
98 Hanmi Financial Corp. Los Angeles 109.4 97.5 3,284,699 3,001,844 371,545
99 Pacific Capital Bancorp Santa Barbara, Calif. 109.3 113.3 5,427,499 4,963,812 668,356
100 Reliance Bancshares Inc. Frontenac, Mo. 109.2 98.4 911,738 834,596 139,892
First Charter Corp. Charlotte 109.2 190.0 3,517,152 3,221,619 468,344
102 Citizens Financial Group Inc. Providence, R.I. 109.1 105.9 111,762,690 102,444,609 22,350,324
S.Y. Bancorp Inc. Louisville 109.1 103.9 1,206,979 1,106,633 133,024
104 Paragon Commercial Corp. Raleigh 109.0 95.4 787,810 722,687 71,079
BNC Bancorp Thomasville, N.C. 109.0 98.7 933,485 856,525 86,392
Amboy Bancorp. Old Bridge, N.J. 109.0 105.2 2,029,750 1,862,416 233,085
SCBT Financial Corp. Columbia, S.C. 109.0 104.5 2,100,505 1,928,040 215,065
108 Orrstown Financial Services Inc. Shippensburg, Pa. 108.6 96.9 701,964 646,356 96,124
109 Sierra Bancorp Porterville, Calif. 108.4 101.8 921,588 850,146 99,464
110 United Bankshares Inc. Charleston, W.Va. 108.3 99.6 5,794,754 5,349,779 761,199
111 West Bancorp. Inc. West Des Moines, Iowa 108.2 97.7 985,423 910,925 121,606
112 Gateway Financial Holdings Inc. Virginia Beach 108.1 107.7 1,523,184 1,408,918 164,407
113 First Bancorp Inc. Lebanon, Va. 108.0 103.8 814,367 754,319 72,186
114 StellarOne Corp. Charlottesville, Va. 107.8 92.8 1,233,032 1,143,354 162,768
Montgomery Bancorp. Inc. Sikeston, Mo. 107.8 94.6 746,482 692,690 46,359
116 Wachovia Corp. Charlotte 107.7 107.1 485,984,000 451,055,000 76,872,000
Wilmington Trust Corp. Del. 107.7 97.1 8,530,020 7,924,052 1,120,315
118 NewAlliance Bancshares Inc. New Haven 107.6 97.4 4,730,664 4,397,662 1,407,107
119 Bar Harbor Bankshares Maine 107.5 111.8 579,711 539,116 65,974
TIB Financial Corp. Naples, Fla. 107.5 103.5 1,129,156 1,050,277 94,416
121 Southwest Bancorp Inc. Stillwater, Okla. 107.3 101.2 2,208,165 2,058,317 217,609
Huntington Bancshares Inc. Columbus, Ohio 107.3 105.4 40,529,497 37,784,109 5,949,141
First Independent Investment Group Inc. Vancouver, Wash. 107.3 94.8 726,158 677,005 159,284
124 Hillcrest Bancshares Inc. Overland Park, Kan. 107.2 104.7 1,545,125 1,441,796 147,991
125 Greater Community Bancorp Totowa, N.J. 107.1 99.2 802,865 749,472 72,389
126 BancWest Corp. Honolulu 107.0 99.7 50,290,804 46,987,793 7,838,123
127 Union Bankshares Corp. Bowling Green, Va. 106.8 94.2 1,773,068 1,659,691 212,082
128 Synovus Financial Corp. Columbus, Ga. 106.8 102.2 26,652,022 24,959,816 3,441,590
Washington Banking Co. Oak Harbor, Wash. 106.8 102.6 808,209 756,986 73,570
130 First BanCorp. San Juan, Puerto Rico 106.7 102.2 11,778,171 11,034,520 1,421,646
131 S&T Bancorp Inc. Indiana, Pa. 106.6 103.9 2,796,939 2,623,388 337,560
Temecula Valley Bancorp Inc. Calif. 106.6 105.7 1,237,717 1,161,071 108,544
133 Cathay General Bancorp Los Angeles 106.3 101.1 6,673,062 6,278,367 971,919
Summit Bancorp Inc. Arkadelphia, Ark. 106.3 100.3 729,228 686,148 77,946
135 Zions Bancorp. Salt Lake City 106.0 98.9 39,128,486 36,927,313 5,292,800
CoBiz Financial Inc. Denver 106.0 104.6 1,846,327 1,742,689 189,270
137 Indiana Community Bancorp Columbus 105.9 93.3 756,957 714,673 67,454
138 Savannah Bancorp Inc. Ga. 105.8 102.1 808,831 764,218 76,272
Barnes Bancorp. Kaysville, Utah 105.8 99.6 779,014 736,274 126,567
140 First Chicago Bancorp Itasca, Ill. 105.7 96.8 860,976 814,631 149,242
BB&T Corp. Winston-Salem, N.C. 105.7 103.2 91,685,699 86,765,549 12,632,128
142 First Security Group Inc. Chattanooga, Tenn. 105.6 91.9 953,105 902,629 147,693
Popular Inc. Hato Rey, Puerto Rico 105.6 134.0 29,911,000 28,335,000 3,582,000
144 Encore Bancshares Inc. Houston 105.5 NA 1,098,664 1,041,524 157,479
First Chester County Corp. West Chester, Pa. 105.5 95.8 743,440 704,898 67,979
146 Investors Bancorp MHC Short Hills, N.J. 105.3 94.8 4,012,622 3,812,297 476,074
147 Banner Corp. Walla Walla, Wash. 105.2 106.1 3,809,617 3,620,593 437,846
Republic First Bancorp Inc. Philadelphia 105.2 105.9 821,549 780,915 80,467
149 Valley National Bancorp Wayne, N.J. 105.1 98.2 8,499,205 8,091,004 949,060
150 Alliance Bancshares California Culver City 105.0 99.0 902,936 860,332 56,798


*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

Banks, thrifts and holding companies