Highest Loan/Deposit Ratios Among Bank Holding Companies
March 04, 2009, 10:08 a.m. EST 1 Min Read
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Highest Loan/Deposit Ratios Among Bank Holding Companies
Highest Loan/Deposit Ratios Among Bank Holding Companies*On Sept. 30, 2008. Dollars in thousands | ||||||
---|---|---|---|---|---|---|
Rank | | | | | ||
Sept. 30 | | |||||
1 | Barclays Group US Inc. Wilmington, Del. | 51679.2% | NA | $32,395,599 | $62,686 | $7,932,200 |
2 | MetLife Inc. New York | 1,131.7 | 1297.3% | 64,028,963 | 5,657,951 | 27,833,702 |
3 | Utrecht-America Holdings Inc. New York | 328.8 | 337.4 | 14,158,577 | 4,306,234 | 173,557 |
4 | Independent Bankers Financial Corp. Irving, Tex. | 322.1 | 147.7 | 855,223 | 265,521 | 115,620 |
5 | Taunus Corp. New York | 268.6 | 502.2 | 39,292,000 | 14,628,000 | 143,000 |
6 | Stifel Financial Corp. St. Louis | 254.5 | 367.5 | 664,326 | 261,018 | 565,388 |
7 | Cass Information Systems Inc. Bridgeton, Mo. | 233.7 | 190.5 | 575,119 | 246,101 | 107,429 |
8 | United National Corp. Sioux Falls, S.D. | 229.0 | 234.4 | 1,139,392 | 497,551 | 678,307 |
9 | Silverton Financial Services Inc. Atlanta | 168.4 | 1139.5 | 2,118,814 | 1,258,594 | 140,095 |
10 | First Horizon National Corp. Memphis | 162.0 | 136.5 | 22,320,675 | 13,779,072 | 2,577,641 |
11 | HSBC North America Holdings Inc. Mettawa, Ill. | 155.4 | 185.0 | 262,452,153 | 168,858,211 | 29,151,964 |
12 | New York Community Bancorp Inc. Westbury | 148.9 | 138.1 | 21,512,349 | 14,450,805 | 4,263,231 |
13 | Irwin Financial Corp. Columbus, Ind. | 148.3 | 162.2 | 4,695,149 | 3,165,868 | 273,549 |
14 | CU Bank Shares Inc. Dallas | 143.8 | 89.8 | 807,223 | 561,461 | 78,393 |
15 | R&G Financial Corp. Hato Rey, Puerto Rico | 142.9 | 130.7 | 6,193,992 | 4,335,680 | 283,203 |
16 | Beverly Hills Bancorp Inc. Calabasas, Calif. | 136.1 | 143.5 | 909,385 | 668,350 | 127,883 |
17 | BBVA PR Holding Corp. San Juan, Puerto Rico | 135.6 | 141.7 | 4,331,308 | 3,195,252 | 514,828 |
18 | Marquette Financial Cos. Minneapolis | 133.4 | 132.8 | 2,148,799 | 1,610,409 | 375,185 |
19 | Investors Bancorp Short Hills, N.J. | 132.9 | 103.5 | 5,350,436 | 4,025,809 | 496,790 |
20 | Peoplesbancorp Holyoke, Mass. | 132.5 | 119.3 | 1,104,112 | 833,269 | 120,457 |
TCF Financial Corp. Wayzata, Minn. | 132.5 | 122.3 | 13,105,237 | 9,893,306 | 1,111,029 | |
22 | Patriot Bancshares Inc. Houston | 130.1 | 74.3 | 861,027 | 661,792 | 68,409 |
23 | Comerica Inc. Dallas | 129.8 | 118.2 | 51,629,088 | 39,787,695 | 5,099,885 |
24 | Pacific Continental Corp. Eugene, Ore. | 129.6 | 117.4 | 925,308 | 713,918 | 113,198 |
25 | Glacier Bancorp Inc. Kalispell, Mont. | 129.2 | 103.6 | 3,922,621 | 3,036,770 | 558,991 |
26 | Republic Bancorp Inc. Louisville | 129.1 | 138.3 | 2,325,131 | 1,800,867 | 277,237 |
27 | Commonwealth Bankshares Inc. Norfolk, Va. | 127.9 | 135.0 | 962,243 | 752,094 | 106,084 |
28 | South Plains Financial Inc. Lubbock | 127.2 | 117.5 | 1,816,764 | 1,428,259 | 129,161 |
29 | Doral GP Ltd. San Juan, Puerto Rico | 127.0 | 121.1 | 5,463,178 | 4,301,797 | 3 |
30 | Rockville Financial Inc. Vernon Rockville, Conn. | 126.9 | 117.8 | 1,262,008 | 994,896 | 85,012 |
31 | Marshall & Ilsley Corp. Milwaukee | 126.3 | 133.1 | 50,417,242 | 39,929,359 | 6,491,942 |
32 | Smithtown Bancorp Inc. Hauppauge, N.Y. | 126.1 | 98.4 | 1,493,017 | 1,184,303 | 114,957 |
33 | Big Sandy Holding Co. Longmont, Colo. | 125.2 | 100.2 | 1,257,081 | 1,004,379 | 75,164 |
34 | Cooperative Bankshares Inc. Wilmington, N.C. | 124.5 | 115.2 | 884,474 | 710,691 | 55,174 |
35 | U.S. Bancorp Minneapolis | 124.0 | 125.2 | 172,979,000 | 139,504,000 | 21,675,000 |
36 | Summit Financial Group Inc. Moorefield, W.Va. | 123.5 | 120.3 | 1,167,130 | 945,224 | 80,510 |
Texas Capital Bancshares Inc. Dallas | 123.5 | 103.6 | 4,183,822 | 3,389,173 | 380,858 | |
38 | PacWest Bancorp San Diego | 123.2 | 113.5 | 3,935,330 | 3,194,361 | 376,287 |
39 | BTC Financial Corp. Des Moines | 123.1 | 117.6 | 1,918,500 | 1,558,992 | 143,202 |
40 | Stearns Financial Services Inc. St. Cloud, Minn. | 122.5 | 113.6 | 968,080 | 790,007 | 169,693 |
41 | Hills Bancorp. Iowa | 122.0 | 118.1 | 1,456,915 | 1,193,879 | 158,974 |
Plains Capital Corp. Dallas | 122.0 | 102.3 | 2,840,612 | 2,328,788 | 253,407 | |
43 | Cascade Financial Corp. Everett, Wash. | 121.8 | 118.1 | 1,209,798 | 993,603 | 119,100 |
44 | Wells Fargo & Co. San Francisco | 121.5 | 116.8 | 430,423,000 | 354,381,000 | 46,957,000 |
45 | Citizens Financial Group Inc. Providence, R.I. | 121.4 | 110.1 | 112,914,434 | 93,041,930 | 22,367,342 |
46 | KeyCorp Cleveland | 120.8 | 115.5 | 78,179,813 | 64,721,401 | 8,651,444 |
47 | Lakeside Bancorp Inc. Chicago | 120.4 | 104.8 | 939,500 | 780,427 | 95,132 |
48 | Fulton Financial Corp. Lancaster, Pa. | 120.0 | 107.9 | 11,894,619 | 9,916,555 | 1,603,910 |
49 | Hanmi Financial Corp. Los Angeles | 119.5 | 105.7 | 3,345,048 | 2,799,690 | 267,196 |
50 | Mercantile Bank Corp. Grand Rapids | 118.7 | 109.5 | 1,870,799 | 1,575,713 | 171,349 |
Pacific Capital Bancorp Santa Barbara, Calif. | 118.7 | 114.7 | 5,865,964 | 4,941,304 | 640,749 | |
52 | Boston Private Financial Holdings Inc. | 118.4 | 116.9 | 5,479,361 | 4,626,465 | 547,273 |
53 | QCR Holdings Inc. Moline, Ill. | 118.2 | 117.6 | 1,260,095 | 1,066,159 | 89,438 |
54 | Hampton Roads Bankshares Inc. Norfolk, Va. | 117.5 | 110.2 | 797,183 | 678,674 | 108,520 |
55 | CNLBancshares Inc. Orlando | 117.1 | 117.5 | 1,354,094 | 1,156,120 | 162,963 |
56 | Independent Bank Corp. Ionia, Mich. | 116.9 | 93.0 | 2,532,115 | 2,165,587 | 225,342 |
57 | Beacon Bancorp Taunton, Mass. | 116.7 | 113.8 | 892,481 | 764,962 | 164,478 |
58 | Cascade Bancorp Bend, Ore. | 116.6 | 114.0 | 2,049,695 | 1,757,903 | 276,706 |
Carolina Financial Corp. Charleston, S.C. | 116.6 | 111.1 | 809,858 | 694,616 | 45,309 | |
60 | Central Bancorp Inc. Garland, Tex. | 116.4 | NA | 736,416 | 632,505 | 62,943 |
61 | Ida Grove Bancshares Inc. Iowa | 116.2 | 122.0 | 909,861 | 783,089 | 80,460 |
62 | FBOP Corp. Oak Park, Ill. | 115.9 | 87.8 | 13,772,915 | 11,884,797 | 705,746 |
63 | Macon Bancorp Franklin, N.C. | 115.6 | 123.7 | 814,135 | 704,084 | 84,299 |
64 | Encore Bancshares Inc. Houston | 115.4 | 100.0 | 1,198,894 | 1,039,133 | 161,009 |
65 | Sterling Financial Corp. Spokane | 115.3 | 114.3 | 9,338,105 | 8,097,836 | 1,180,427 |
66 | CoBiz Financial Inc. Denver | 115.2 | 105.4 | 2,001,684 | 1,737,262 | 194,523 |
67 | Horizon Bancorp Michigan City, Ind. | 115.1 | 109.5 | 862,781 | 749,422 | 75,072 |
Enterprise Financial Services Corp. Clayton, Mo. | 115.1 | 107.9 | 1,943,120 | 1,688,054 | 184,959 | |
BancWest Corp. Honolulu | 115.1 | 104.3 | 54,437,141 | 47,311,467 | 7,615,536 | |
70 | Santander BanCorp San Juan, Puerto Rico | 114.6 | 115.9 | 6,415,575 | 5,598,116 | 555,308 |
M&T Bank Corp. Buffalo | 114.6 | 116.4 | 48,693,543 | 42,501,293 | 6,416,684 | |
72 | Associated Banc-Corp Green Bay, Wis. | 114.5 | 107.6 | 16,313,399 | 14,245,667 | 2,364,247 |
73 | First Independent Investment Group Inc. Vancouver, Wash. | 114.3 | 93.5 | 881,150 | 770,984 | 150,238 |
S&T Bancorp Inc. Indiana, Pa. | 114.3 | 105.0 | 3,578,587 | 3,131,882 | 450,717 | |
Southwest Bancorp Inc. Stillwater, Okla. | 114.3 | 104.9 | 2,512,339 | 2,198,719 | 226,123 | |
76 | Summit Bancorp Inc. Arkadelphia, Ark. | 114.1 | 98.5 | 788,474 | 690,946 | 85,203 |
77 | UnionBanCal Corp. San Francisco | 114.0 | 93.9 | 48,306,118 | 42,366,938 | 4,692,648 |
78 | Wilshire Bancorp Inc. Los Angeles | 113.6 | 99.6 | 2,034,328 | 1,790,816 | 187,880 |
Norway Bancorp Maine | 113.6 | 106.9 | 759,531 | 668,847 | 88,367 | |
80 | SunTrust Banks Inc. Atlanta | 113.4 | 111.7 | 131,478,156 | 115,911,881 | 17,956,025 |
81 | East West Bancorp Inc. Pasadena, Calif. | 113.0 | 114.2 | 8,534,158 | 7,549,815 | 1,264,881 |
Lauritzen Corp. Omaha | 113.0 | 96.6 | 734,700 | 650,175 | 482,368 | |
83 | Temecula Valley Bancorp Inc. Calif. | 112.8 | 104.6 | 1,360,058 | 1,206,162 | 101,455 |
First Chicago Bancorp Itasca, Ill. | 112.8 | 102.1 | 1,059,733 | 939,816 | 153,118 | |
85 | Frontier Financial Corp. Everett, Wash. | 112.6 | 117.8 | 3,832,053 | 3,404,071 | 443,731 |
CVB Financial Corp. Ontario, Calif. | 112.6 | 96.5 | 3,596,592 | 3,195,541 | 434,820 | |
87 | Western Alliance Bancorp. Las Vegas | 112.5 | 93.5 | 3,948,054 | 3,509,005 | 477,875 |
Cardinal Financial Corp. McLean, Va. | 112.5 | 98.3 | 1,221,084 | 1,085,564 | 154,540 | |
89 | First Financial Service Corp. Elizabethtown, Ky. | 112.3 | 110.5 | 872,485 | 776,921 | 74,456 |
90 | First Regional Bancorp Century City, Calif. | 112.1 | 116.8 | 2,317,608 | 2,067,098 | 160,742 |
Affinity Bank Holdings Inc. Ventura, Calif. | 112.1 | 116.8 | 916,832 | 817,728 | 42,652 | |
92 | NewAlliance Bancshares Inc. New Haven | 112.0 | 108.2 | 4,958,182 | 4,427,186 | 1,400,406 |
Regions Financial Corp. Birmingham, Ala. | 112.0 | 102.0 | 99,923,136 | 89,229,974 | 19,705,280 | |
94 | Firstbank Corp. Alma, Mich. | 111.8 | 111.2 | 1,154,919 | 1,033,040 | 117,515 |
95 | Vineyard National Bancorp Corona, Calif. | 111.7 | 115.3 | 1,811,256 | 1,621,379 | 2,526 |
Reliance Bancshares Inc. Frontenac, Mo. | 111.7 | 104.9 | 1,224,274 | 1,096,534 | 136,560 | |
97 | Assabet Valley Bancorp Hudson, Mass. | 111.6 | 108.3 | 720,413 | 645,274 | 74,134 |
98 | Fifth Third Bancorp Cincinnati | 111.4 | 113.6 | 86,495,930 | 77,641,796 | 10,695,727 |
Montgomery Bancorp. Inc. Sikeston, Mo. | 111.4 | 100.9 | 749,956 | 673,339 | 48,730 | |
100 | Imperial Capital Bancorp Inc. La Jolla, Calif. | 111.3 | 144.5 | 2,883,333 | 2,591,076 | 225,515 |
101 | VIST Financial Corp. Wyomissing, Pa. | 111.2 | 108.1 | 871,154 | 783,553 | 97,546 |
102 | Indiana Community Bancorp Columbus | 111.0 | 105.0 | 798,606 | 719,655 | 69,086 |
103 | Wilmington Trust Corp. Del. | 110.7 | 111.0 | 9,685,791 | 8,751,106 | 1,062,051 |
104 | Orrstown Financial Services Inc. Shippensburg, Pa. | 110.6 | 103.9 | 784,073 | 708,802 | 101,176 |
Bank of America Corp. Charlotte | 110.6 | 117.3 | 967,736,912 | 875,256,383 | 161,039,070 | |
First State Bancorp. Albuquerque | 110.6 | 97.3 | 2,761,137 | 2,497,281 | 189,647 | |
107 | Sandy Spring Bancorp Inc. Olney, Md. | 110.5 | 96.8 | 2,486,959 | 2,250,053 | 319,700 |
108 | Horizon Financial Corp. Bellingham, Wash. | 110.4 | 116.8 | 1,266,771 | 1,147,454 | 122,151 |
109 | Valley National Bancorp Wayne, N.J. | 110.3 | 99.2 | 10,059,648 | 9,123,214 | 1,088,612 |
110 | Huntington Bancshares Inc. Columbus, Ohio | 110.2 | 105.2 | 41,460,662 | 37,625,738 | 6,373,906 |
111 | TIB Financial Corp. Naples, Fla. | 110.1 | 108.4 | 1,227,183 | 1,114,244 | 96,455 |
112 | First Mariner Bancorp Baltimore | 109.7 | 100.6 | 998,379 | 909,734 | 56,831 |
113 | First Bancorp Troy, N.C. | 109.4 | 101.3 | 2,215,209 | 2,024,490 | 219,354 |
114 | BB&T Corp. Winston-Salem, N.C. | 109.3 | 105.7 | 96,681,655 | 88,423,350 | 12,935,205 |
Cathay General Bancorp Los Angeles | 109.3 | 105.9 | 7,488,990 | 6,849,170 | 1,002,153 | |
Dearborn Bancorp Inc. Mich. | 109.3 | 109.8 | 939,158 | 859,269 | 133,840 | |
117 | Bremer Financial Corp. St. Paul | 109.2 | 103.0 | 5,658,558 | 5,182,155 | 672,640 |
118 | AmericanWest Bancorp. Spokane | 109.1 | 108.5 | 1,730,834 | 1,585,928 | 146,759 |
119 | Capitol Bancorp Ltd. Lansing, Mich. | 109.0 | 110.4 | 4,669,606 | 4,283,561 | 353,108 |
Central Pacific Financial Corp. Honolulu | 109.0 | 104.1 | 4,116,736 | 3,777,072 | 510,071 | |
121 | Guaranty Bancorp Denver | 108.9 | 97.0 | 1,781,246 | 1,635,114 | 154,406 |
122 | Webster Financial Corp. Waterbury, Conn. | 108.7 | 100.6 | 12,869,651 | 11,834,799 | 1,816,569 |
BancPlus Corp. Belzoni, Miss. | 108.7 | 101.3 | 1,507,732 | 1,386,778 | 163,626 | |
Zions Bancorp. Salt Lake City | 108.7 | 105.8 | 41,930,195 | 38,578,739 | 5,566,027 | |
125 | Center Financial Corp. Los Angeles | 108.3 | 114.3 | 1,755,277 | 1,621,248 | 164,931 |
126 | State Bankshares Inc. Fargo, N.D. | 108.2 | 110.4 | 1,721,432 | 1,590,726 | 116,587 |
127 | Crescent Financial Corp. Cary, N.C. | 108.0 | 109.4 | 769,060 | 711,855 | 94,151 |
Fremont Bancorp. Calif. | 108.0 | 108.4 | 1,711,206 | 1,584,291 | 109,667 | |
Nara Bancorp Inc. Los Angeles | 108.0 | 109.1 | 2,102,038 | 1,946,843 | 230,513 | |
Bar Harbor Bankshares Maine | 108.0 | 107.4 | 624,205 | 578,163 | 62,671 | |
131 | First American Bank Corp. Elk Grove Village, Ill. | 107.9 | 91.7 | 2,110,794 | 1,955,615 | 167,244 |
Camco Financial Corp. Cambridge, Ohio | 107.9 | 121.1 | 793,257 | 734,936 | 86,578 | |
133 | Bangor Bancorp Maine | 107.8 | 104.0 | 1,708,708 | 1,585,532 | 217,463 |
134 | First Bancorp Inc. Lebanon, Va. | 107.6 | 107.6 | 859,249 | 798,633 | 78,938 |
135 | Spirit Bankcorp Inc. Bristow, Okla. | 107.5 | 108.5 | 1,045,672 | 972,935 | 74,025 |
136 | United Bankshares Inc. Charleston, W.Va. | 107.4 | 104.5 | 5,912,336 | 5,504,488 | 773,109 |
W.T.B. Financial Corp. Spokane | 107.4 | 100.3 | 3,201,227 | 2,980,999 | 330,578 | |
138 | SCBT Financial Corp. Columbia, S.C. | 107.1 | 102.3 | 2,291,145 | 2,138,727 | 219,587 |
Palmetto Bancshares Inc. Laurens, S.C. | 107.1 | 100.9 | 1,134,556 | 1,059,116 | 118,435 | |
Hawthorn Bancshares Inc. Lees Summit, Mo. | 107.1 | 95.4 | 994,559 | 928,654 | 111,939 | |
141 | Midwest Bankcentre Inc. St. Louis | 107.0 | 101.2 | 663,489 | 620,177 | 103,651 |
142 | Coppermark Bancshares Inc. Oklahoma City | 106.9 | 96.8 | 964,183 | 902,094 | 84,469 |
143 | Liberty Financial Group Inc. Eugene, Ore. | 106.8 | 111.2 | 838,864 | 785,434 | 76,443 |
144 | Aliant Financial Corp. Alexander City, Ala. | 106.4 | 99.0 | 759,756 | 714,130 | 66,129 |
Savannah Bancorp Inc. Ga. | 106.4 | 104.4 | 854,773 | 803,483 | 79,595 | |
Georgian Bancorp. Inc. Atlanta | 106.4 | 100.0 | 1,873,415 | 1,761,412 | 140,395 | |
147 | First Chester County Corp. West Chester, Pa. | 106.2 | 96.8 | 808,931 | 761,519 | 67,353 |
Renasant Corp. Tupelo, Miss. | 106.2 | 98.2 | 2,561,400 | 2,412,168 | 406,267 | |
Pacific Mercantile Bancorp Costa Mesa, Calif. | 106.2 | 95.7 | 840,123 | 791,276 | 93,835 | |
150 | First Banking Center Inc. Burlington, Wis. | 106.0 | 111.2 | 750,924 | 708,289 | 61,373 |
*Among 500 top-tier bank holding companies that file Y-9C reports with the Federal Reserve. **Includes leases
Source: SNL Financial, Charlottesville, Va.
© 2009 American Banker