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Largest Banking Companies Ranked by Return on Assets

Published May 26, 2005, 10:08 a.m. EDT
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Updated January 02, 1970, 9:08 a.m. EST
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Largest Banking Companies Ranked by Return on Assets

Largest Banking Companies Ranked by Return on Assets
In the fourth quarter of 2004. Dollars in thousands
Published May 26, 2005
Rank   Fourth quarter 12-month ROA
Average assets Net income ROA
1 MBNA Corp. Wilmington, Del. $60,827,419 $31,730 4.96% 4.39%
2 Doral Financial Corp. San Juan, Puerto Rico 12,387,447 150,514 4.04 3.85
3 Fremont General Corp. Santa Monica, Calif. 9,812,220 90,102 3.69 3.63
4 National City Corp. Cleveland 121,968,500 484,142 2.77 2.24
5 Corus Bankshares Inc. Chicago 3,951,100 28,120 2.30 2.40
6 TCF Financial Corp. Minneapolis 11,834,634 67,402 2.22 2.15
7 Mellon Financial Corp. Pittsburgh 33,676,000 255,000 2.19 2.34
8 U.S. Bancorp Minneapolis 191,078,000 1,071,000 2.16 2.17
9 Washington Federal Inc. Seattle 7,356,254 36,259 1.96 1.96
10 Synovus Financial Corp. Columbus, Ga. 24,719,836 116,734 1.91 1.88
11 Bank of Hawaii Corp. Honolulu 9,622,550 45,522 1.89 1.78
12 R&G Financial Corp. Hato Rey, Puerto Rico 8,876,068 43,912 1.81 1.78
13 Westamerica Bancorp. San Rafael, Calif. 4,516,870 21,166 1.81 2.10
14 Oriental Financial Group Inc. San Juan, Puerto Rico 4,053,281 18,515 1.78 1.94
15 E-Trade Financial Corp. New York 22,404,879 91,994 1.76 1.76
16 Marshall & Ilsley Corp. Milwaukee 36,756,237 169,580 1.75 1.69
17 BB&T Corp. Winston-Salem, N.C. 95,895,663 395,384 1.68 1.62
18 Mercantile Bankshares Corp. Baltimore 13,939,265 62,627 1.68 1.64
19 Wells Fargo and Co. San Francisco 408,114,000 1,856,000 1.67 1.71
20 Park National Corp. Newark, Ohio 5,044,612 20,897 1.64 1.81
21 Comerica Inc. Detroit 50,919,500 199,000 1.63 1.49
22 Commercial Capital Bancorp Inc. Irvine, Calif. 3,384,145 23,087 1.61 1.55
23 United Bankshares Inc. Charleston, W.Va. 6,292,932 25,500 1.60 1.55
24 UCBH Holdings Inc. San Francisco 5,893,857 23,743 1.57 1.44
25 East West Bancorp Inc. San Marino, Calif. 4,849,100 23,519 1.57 1.57
26 PNC Financial Services Group Pittsburgh 74,677,000 354,000 1.55 1.59
27 Cullen/Frost Bankers Inc. San Antonio 9,550,177 37,367 1.52 1.47
28 CVB Financial Corp. Ontario, Calif. 4,156,312 17,701 1.52 1.47
29 UnionBanCal Corp. San Francisco 44,844,745 181,977 1.51 1.62
30 Fulton Financial Corp. Lancaster, Pa. 10,309,931 41,531 1.51 1.48
31 Wilmington Trust Corp. Del. 9,570,550 35,300 1.51 1.56
32 North Fork Bancorp. Inc. Melville, N.Y. 28,596,021 259,035 1.50 1.68
33 Valley National Bancorp Wayne, N.J. 10,175,056 39,851 1.50 1.51
34 Silicon Valley Bancshares Santa Clara, Calif. 4,707,768 19,555 1.50 1.40
35 Chemical Financial Corp. Midland, Mich. 3,861,012 14,401 1.50 1.47
36 Associated Banc-Corp. Green Bay, Wis. 15,930,830 77,470 1.49 1.58
37 Commerce Bancshares Inc. Kansas City, Mo. 14,155,318 52,660 1.48 1.56
38 Citigroup Inc. New York 1,460,327,500 5,441,000 1.46 1.26
39 Capital One Financial Corp. Falls Church, Va. 50,196,351 506,562 1.46 3.05
40 First Midwest Bancorp Inc. Itasca, Ill. 6,897,472 25,207 1.46 1.45
41 Texas Regional Bancshares Inc. McAllen 5,226,646 20,848 1.46 1.45
42 M&T Bank Corp. Buffalo 51,316,500 189,290 1.45 1.40
43 Hudson United Bancorp Mahwah, N.J. 8,525,024 29,731 1.45 1.49
44 Umpqua Holdings Corp. Portland, Ore. 3,252,371 16,269 1.45 1.20
45 Westcorp Irvine, Calif. 15,448,670 55,511 1.44 1.39
46 Cathay General Bancorp Los Angeles 5,717,521 24,960 1.44 1.51
47 AmSouth Bancorp. Birmingham, Ala. 47,754,621 178,645 1.42 1.30
48 New York Community Bancorp Inc. Flushing 25,191,004 91,082 1.41 1.42
49 Hibernia Corp. New Orleans 20,212,700 85,776 1.41 1.43
50 Bank of New York Co. Inc. 99,234,500 379,000 1.40 1.45
51 First Horizon National Corp. Memphis 26,969,368 109,209 1.40 1.66
52 City National Corp. Beverly Hills 13,274,358 49,746 1.40 1.54
53 Trustmark Corp. Jackson, Miss. 8,156,831 28,848 1.40 1.43
54 Compass Bancshares Inc. Birmingham, Ala. 27,575,936 98,756 1.39 1.34
55 Hancock Holding Co. Gulfport, Miss. 4,408,132 15,438 1.39 1.39
56 Investors Financial Services Corp. Boston 10,190,246 35,279 1.38 1.10
57 First BanCorp Santurce, Puerto Rico 13,524,716 53,431 1.37 1.31
58 International Bancshares Corp. Laredo, Tex. 9,679,296 33,113 1.37 1.47
59 MB Financial Inc. Chicago 4,741,099 17,646 1.36 1.34
60 Bank of America Corp. Charlotte 1,033,832,500 4,695,000 1.33 1.35
61 Zions Bancorp. Salt Lake City 30,841,239 110,234 1.33 1.31
62 Sky Financial Group Inc. Bowling Green, Ohio 13,378,125 49,329 1.33 1.43
63 W Holding Co. Inc. Mayaguez, Puerto Rico 12,713,601 46,105 1.33 1.33
64 Golden West Financial Corp. Oakland, Calif. 103,568,084 348,250 1.31 1.37
65 Whitney Holding Corp. New Orleans 7,843,040 26,998 1.31 1.23
66 Chittenden Corp. Burlington, Vt. 5,867,173 20,028 1.31 1.27
67 BancWest Corp. Honolulu 40,365,771 136,604 1.27 1.15
68 Hudson City Bancorp Inc. Paramus, N.J. 18,400,972 61,929 1.27 1.29
69 BOK Financial Corp. Tulsa 13,923,782 52,055 1.27 1.28
70 FirstMerit Corp. Akron 10,350,653 30,088 1.26 1.00
71 IndyMac Bancorp Inc. Pasadena, Calif. 16,574,449 65,476 1.25 1.25
72 F.N.B. Corp. Hermitage, Pa. 4,723,234 15,812 1.24 1.29
73 Wachovia Corp. Charlotte 419,100,500 1,621,000 1.22 1.22
74 BankAtlantic Bancorp Inc. Fort Lauderdale, Fla. 4,919,033 19,878 1.22 1.36
75 Bremer Financial Corp. St. Paul 5,798,486 18,432 1.22 1.10
76 Dime Community Bancshares Inc. Brooklyn, N.Y. 3,341,298 10,230 1.20 1.38
77 Northern Trust Corp. Chicago 40,798,850 139,100 1.19 1.22
78 Popular Inc. Hato Rey, Puerto Rico 39,346,242 162,879 1.18 1.23
79 Independence Community Bank Corp. Brooklyn, N.Y. 15,095,034 52,367 1.18 1.37
80 Downey Financial Corp. Newport Beach, Calif. 13,681,308 51,739 1.18 0.77
81 Greater Bay Bancorp Palo Alto, Calif. 7,487,742 21,510 1.18 1.25
82 NBT Bancorp Inc. Norwich, N.Y. 4,106,050 12,491 1.18 1.21
83 Republic Bancorp Inc. Owosso, Mich. 5,615,806 16,804 1.17 1.18
84 Alabama National Bancorp. Birmingham 4,774,509 15,387 1.17 1.13
85 SunTrust Banks Inc. Atlanta 129,923,900 492,294 1.16 1.18
86 Provident Bankshares Corp. Baltimore 5,985,038 18,108 1.16 1.00
87 Community Bank System Inc. Dewitt, N.Y. 5,663,123 13,334 1.15 1.20
88 First Interstate BancSystem Inc. Billings, Mont. 4,140,228 12,045 1.14 1.14
89 Huntington Bancshares Inc. Columbus, Ohio 31,314,000 96,519 1.13 1.27
90 Regions Financial Corp. Birmingham, Ala. 63,952,276 241,641 1.12 1.23
91 Central Pacific Financial Corp. Honolulu 2,719,931 17,205 1.12 1.25
92 Anchor BanCorp Wisconsin Inc. Madison 3,926,572 10,920 1.11 1.17
93 Sovereign Bancorp Inc. Philadelphia 49,836,669 146,151 1.10 0.90
94 Santander BanCorp Hato Rey, Puerto Rico 7,595,737 21,329 1.08 1.10
95 People's Bank Bridgeport, Conn. 10,629,350 28,000 1.06 1.86
96 First Commonwealth Financial Corp. Indiana, Pa. 5,771,951 15,219 1.06 0.66
97 MAF Bancorp Inc. Clarendon Hills, Ill. 9,210,954 24,177 1.05 1.10
98 Citizens Banking Corp. Flint, Mich. 7,688,763 20,286 1.05 0.99
99 Provident Financial Services Inc. Jersey City, N.J. 5,101,104 15,022 1.05 0.93
100 United Community Banks Inc. Blairsville, Ga. 4,355,610 12,649 1.05 1.05
101 First Niagara Financial Group Lockport, N.Y. 4,928,630 21,095 1.05 1.06
102 Amcore Financial Inc. Rockford, Ill. 4,719,947 12,050 1.04 0.96
103 First Charter Corp. Concord, N.C. 4,306,585 11,559 1.04 0.98
104 Susquehanna Bancshares Inc. Lititz, Pa. 6,664,909 19,249 1.03 1.04
105 First Financial Bancorp Hamilton, Ohio 3,908,073 10,726 1.03 1.05
106 Commerce Bancorp Inc. Cherry Hill, N.J. 29,466,563 77,137 1.01 1.03
107 Colonial BancGroup Inc. Montgomery, Ala. 17,238,041 52,491 1.01 1.01
108 Irwin Financial Corp. Columbus, Ind. 5,246,149 14,425 1.00 1.30
109 First Citizens Bancorp. Inc. Columbia, S.C. 4,449,471 11,414 1.00 0.82
110 Bank Mutual Corp. Brown Deer, Wis. 3,153,649 8,328 0.99 0.93
111 HSBC USA Inc. Buffalo 109,621,000 269,000 0.98 1.12
112 Pacific Capital Bancorp Santa Barbara, Calif. 5,671,536 59,406 0.98 1.55
113 PFF Bancorp Inc. Pomona, Calif. 3,948,079 9,575 0.97 1.23
114 National Penn Bancshares Inc. Boyertown, Pa. 3,907,225 14,010 0.96 1.20
115 KeyCorp Cleveland 85,933,500 264,000 0.95 1.10
116 FirstFed Financial Corp. Santa Monica, Calif. 6,953,761 18,492 0.95 1.12
117 Amegy Bancorp Houston 6,365,057 17,369 0.94 1.05
118 BancorpSouth Inc. Tupelo, Miss. 10,552,654 31,744 0.93 1.05
119 First Banks Inc. Clayton, Mo. 7,457,971 18,888 0.93 1.10
120 WesBanco Inc. Wheeling, W.Va. 3,527,571 9,032 0.92 1.07
121 Sterling Financial Corp. Spokane 6,304,439 15,528 0.91 0.88
122 Washington Mutual Inc. Seattle 281,882,000 902,000 0.90 1.01
123 Wintrust Financial Corp. Lake Forest, Ill. 5,325,993 14,171 0.90 0.94
124 1st Source Corp. South Bend, Ind. 3,315,106 7,860 0.89 0.75
125 Astoria Financial Corp. Lake Success, N.Y. 22,605,079 59,479 0.87 0.97
126 Capitol Federal Financial Topeka, Kan. 8,566,888 17,482 0.87 -1.09
127 Flagstar Bancorp Inc. Bloomfield Hills, Mich. 12,040,974 19,778 0.85 1.18
128 Franklin Bank Corp. Houston 2,832,185 6,953 0.85 0.80
129 Old National Bancorp Evansville, Ind. 9,143,682 19,440 0.83 0.74
130 Northwest Bancorp Inc. Warren, Pa. 6,343,236 14,263 0.83 0.86
131 Countrywide Financial Corp. Calabasas, Calif. 116,442,079 688,852 0.77 2.08
132 State Street Corp. Boston 97,283,500 226,000 0.76 0.84
133 South Financial Group Inc. Greenville, S.C. 11,949,756 34,559 0.75 0.98
134 First Citizens Bancshares Inc. Raleigh 12,789,663 24,997 0.74 0.58
135 NewAlliance Bancshares Inc. New Haven, Conn. 5,311,378 11,561 0.74 0.07
136 Fifth Third Bancorp Cincinnati 94,497,500 405,000 0.72 1.61
137 First Republic Bank San Francisco 6,630,805 13,197 0.72 0.69
138 Commercial Federal Corp. Omaha 11,808,422 19,510 0.68 0.65
139 UMB Financial Corp. Kansas City, Mo. 6,908,316 11,659 0.68 0.62
140 Gold Banc Corp. Inc. Leawood, Kan. 4,296,672 7,318 0.68 0.45
141 BankUnited Financial Corp. Coral Gables, Fla. 8,718,877 13,556 0.67 0.68
142 Fidelity Bankshares Inc. West Palm Beach, Fla. 3,311,328 6,816 0.61 0.69
143 J.P. Morgan Chase & Co. New York 930,267,000 2,264,000 0.57 0.46
144 Charles Schwab Corp. San Francisco 46,534,000 145,000 0.46 0.57
145 Partners Trust Financial Group Inc. Utica, N.Y. 2,192,045 4,017 0.44 0.51
146 Webster Financial Corp. Waterbury, Conn. 16,306,104 47,495 0.38 0.94
147 TD Banknorth Inc. Portland, Maine 28,105,386 20,698 0.29 1.08
148 BFC Financial Corp. Fort Lauderdale, Fla. 6,609,593 4,400 0.18 0.25
149 NetBank Inc. Alpharetta, Ga. 4,555,226 -2,029 -1.48 0.09
150 Riggs National Corp. Washington 6,198,240 -57,831 -3.73 -1.88

Note: This table includes only publicly traded companies.

Source: Highline Banking Data Services (877-305-6657)

© 2005 American Banker

Banks, thrifts and holding companies