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 | ||||||
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Related Table: Select Ratios and Fastest Percentage Growth | ||||||
Rank | | | | | ||
Dec. 31 | | |||||
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.
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