Largest Net Interest Margins: All U.S. Banking Companies - Corrected
December 23, 2004, 10:08 a.m. EST 1 Min Read
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Largest Net Interest Margins: All U.S. Banking Companies - Corrected
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| Originally Published December 23, 2004; Corrected January 4, 2005 | |||||||
| Rank | 2nd quarter | Net interest margins | Assets | ||||
| Year earlier | Change | ||||||
| 1 | WebFinancial Corp. | New York | 15.33% | NA | NA | $25,771 | |
| 2 | Macatawa Bank Corp. | Holland | Mich. | 9.62 | 3.64% | 5.98 | 1,525,977 |
| 3 | United PanAm Financial Corp. | San Mateo | Calif. | 7.02 | 5.97 | 1.05 | 1,668,665 |
| 4 | Capital Crossing Bank | Boston | 6.63 | 6.42 | 0.21 | 1,193,077 | |
| 5 | C and F Financial Corp. | West Point | Va. | 6.35 | 6.43 | -0.08 | 594,465 |
| 6 | AmericanWest Bancorp. | Spokane | 6.30 | NA | NA | 1,086,051 | |
| 7 | Capital One Financial Corp. | Falls Church | Va. | 6.22 | 7.52 | -1.3 | 50,069,661 |
| 8 | Columbia Bancorp | The Dalles | Ore. | 6.19 | 6.15 | 0.04 | 666,789 |
| 9 | Northrim BanCorp Inc. | Anchorage | 6.03 | 6.11 | -0.08 | 739,269 | |
| 10 | City Bank | Lynnwood | Wash. | 6.01 | 5.77 | 0.24 | 631,519 |
| 11 | Pacific Continental Corp. | Eugene | Ore. | 5.74 | NA | NA | 460,709 |
| 12 | Cascade Bancorp | Bend | Ore. | 5.72 | 6.36 | -0.64 | 874,955 |
| 13 | First Community Bancorp | Rancho Santa Fe | Calif. | 5.61 | 5.41 | 0.2 | 2,721,810 |
| 14 | Sonoma Valley Bancorp | Sonoma | Calif. | 5.47 | 5.07 | 0.4 | 210,143 |
| 15 | Community Valley Bancorp | Chico | Calif. | 5.42 | 5.01 | 0.41 | 414,586 |
| Sunwest Bank | Tustin | Calif. | 5.42 | 5.02 | 0.4 | 303,394 | |
| 17 | Abigail Adams National Bancorp | Washington | 5.40 | 5.07 | 0.33 | 238,664 | |
| 18 | Westcorp | Irvine | Calif. | 5.35 | 5.00 | 0.35 | 14,999,112 |
| 19 | Community Bancorp Inc. | Escondido | Calif. | 5.34 | 4.98 | 0.36 | 531,852 |
| 20 | Jeffersonville Bancorp | Jeffersonville | N.Y. | 5.30 | 5.28 | 0.02 | 361,154 |
| 21 | TriCo Bancshares | Chico | Calif. | 5.27 | 5.02 | 0.25 | 1,545,173 |
| 22 | PremierWest Bancorp | Medford | Ore. | 5.22 | 5.30 | -0.08 | 775,570 |
| Sierra Bancorp | Porterville | Calif. | 5.22 | 6.81 | -1.59 | 932,729 | |
| 24 | Westamerica Bancorp | San Rafael | Calif. | 5.21 | 5.43 | -0.22 | 4,611,811 |
| 25 | Silicon Valley Bancshares | Santa Clara | Calif. | 5.20 | 5.50 | -0.3 | 4,857,521 |
| 26 | Heritage Financial Corp. | Olympia | Wash. | 5.14 | 5.43 | -0.29 | 665,491 |
| 27 | Union Bankshares Inc. | Morrisville | Vt. | 5.13 | 5.22 | -0.09 | 344,084 |
| 28 | Western Sierra Bancorp | Cameron Park | Calif. | 5.11 | 5.18 | -0.07 | 1,174,644 |
| 29 | FNB Bancorp | San Francisco | 5.09 | 5.31 | -0.22 | 470,006 | |
| MBNA Corp. | Wilmington | Del. | 5.09 | 5.33 | -0.24 | 60,856,258 | |
| Washington Banking Co. | Oak Harbor | 5.09 | 5.35 | -0.26 | 633,471 | ||
| 32 | Frontier Financial Corp. | Everett | Wash. | 5.05 | 5.17 | -0.12 | 2,198,503 |
| 33 | Bridge Bancorp Inc. | Bridgehampton | N.Y. | 5.00 | 5.10 | -0.1 | 555,952 |
| 34 | Consumers Bancorp Inc. | Minerva | Ohio | 5.00 | NA | NA | 186,237 |
| 35 | Independent Bank Corp. | Ionia | Mich. | 5.00 | 4.85 | 0.15 | 2,778,659 |
| 36 | Capital City Bank Group Inc. | Tallahassee | Fla. | 4.99 | 5.40 | -0.41 | 2,026,830 |
| 37 | Cowlitz Bancorp. | Longview | Wash. | 4.97 | 4.01 | 0.96 | 259,754 |
| 38 | First Midwest Financial Inc. | Storm Lake | Iowa | 4.90 | 2.17 | 2.73 | 757,533 |
| Mid-State Bancshares | Arroyo Grande | Calif. | 4.90 | 5.67 | -0.77 | 2,252,015 | |
| Riverview Bancorp Inc. | Vancouver | Wash. | 4.90 | 4.95 | -0.05 | 515,371 | |
| 41 | Suffolk Bancorp | Riverhead | N.Y. | 4.89 | 5.13 | -0.24 | 1,424,365 |
| 42 | Fremont General Corp. | Santa Monica | Calif. | 4.88 | 5.28 | -0.4 | 10,375,674 |
| MidSouth Bancorp Inc. | Lafayette | La. | 4.88 | NA | NA | 477,388 | |
| 44 | United Security Bancshares | Fresno | 4.86 | 3.83 | 1.03 | 562,165 | |
| 45 | American River Bankshares | Sacramento | 4.85 | 5.28 | -0.43 | 431,097 | |
| Timberland Bancorp Inc. | Hoquiam | Wash. | 4.85 | 4.51 | 0.34 | 437,688 | |
| 47 | Wells Fargo & Co. | San Francisco | 4.83 | 5.12 | -0.29 | 420,305,000 | |
| 48 | Tarpon Coast Bancorp Inc. | Port Charlotte | Fla. | 4.81 | 4.81 | 0 | 129,725 |
| 49 | BWC Financial Corp. | Walnut Creek | Calif. | 4.80 | NA | NA | 501,217 |
| 50 | Bridge Capital Holdings | Santa Clara | Calif. | 4.80 | 4.90 | -0.1 | 340,097 |
| LSB Bancshares Inc. | Lexington | N.C. | 4.80 | 5.00 | -0.2 | 900,075 | |
| North Bay Bancorp | Napa | Calif. | 4.80 | NA | N A | 521,829 | |
| Vineyard National Bancorp | Rancho Cucamonga | Calif. | 4.80 | 4.70 | 0.1 | 1,155,207 | |
| 54 | Sterling Financial Corp. | Lancaster | Pa. | 4.78 | 4.66 | 0.12 | 2,376,447 |
| 55 | Sterling Bancorp | New York | N.Y. | 4.75 | 5.46 | -0.71 | 1,798,619 |
| 56 | Bank of Marin | Corte Madera | Calif. | 4.73 | 5.48 | -0.75 | 691,307 |
| Capitol Bancorp Ltd. | Lansing | Mich. | 4.73 | 4.71 | 0.02 | 2,991,830 | |
| 58 | Horizon Financial Services Corp. | Oskaloosa | Iowa | 4.72 | NA | NA | 99,038 |
| 59 | Central Valley Community Bancorp | Clovis | Calif. | 4.71 | 5.07 | -0.36 | 350,865 |
| Palmetto Bancshares Inc. | Laurens | S.C. | 4.71 | 4.64 | 0.07 | 941,494 | |
| 61 | National Bankshares Inc. | Blacksburg | Va. | 4.70 | NA | N A | 788,429 |
| 62 | Eastern Virginia Bankshares Inc. | Tappahannock | Va. | 4.69 | 4.96 | -0.27 | 687,547 |
| 63 | Community First Bankshares Inc. | Fargo | N.D. | 4.68 | 5.11 | -0.43 | 5,574,395 |
| Rome Bancorp Inc. | N.Y. | 4.68 | 4.72 | -0.04 | 265,315 | ||
| West Coast Bancorp | Lake Oswego | Ore. | 4.68 | 4.78 | -0.1 | 1,717,343 | |
| 66 | Plumas Bancorp | Quincy | Calif. | 4.67 | 5.58 | -0.91 | 404,250 |
| United Tennessee Bankshares Inc. | Newport | 4.67 | 4.78 | -0.11 | 123,430 | ||
| 68 | CB Bancshares Inc. | Honolulu | 4.66 | 4.88 | -0.22 | 1,883,491 | |
| 69 | Foothill Independent Bancorp | Glendora | Calif. | 4.65 | 5.08 | -0.43 | 744,299 |
| 70 | Citizens Holding Co. | Philadelphia | Miss. | 4.63 | 4.43 | 0.2 | 567,723 |
| Highlands Bankshares Inc. | Petersburg | W.Va. | 4.63 | 4.12 | 0.51 | 301,542 | |
| 72 | Fauquier Bankshares Inc. | Warrenton | Va. | 4.62 | 4.63 | -0.01 | 414,483 |
| Glen Burnie Bancorp | Glen Burnie | Md. | 4.62 | 4.57 | 0.05 | 308,315 | |
| 74 | First Financial Bancorp | Lodi | Calif. | 4.61 | 5.11 | -0.5 | 324,138 |
| Redwood Empire Bancorp | Santa Rosa | Calif. | 4.61 | 4.62 | -0.01 | 515,421 | |
| 76 | United Bancorp of Alabama Inc. | Atmore | 4.60 | 4.35 | 0.25 | 278,631 | |
| 77 | First South Bancorp Inc. | Washington | N.C. | 4.59 | 4.41 | 0.18 | 719,777 |
| North Valley Bancorp | Redding | Calif. | 4.59 | 4.84 | -0.25 | 734,383 | |
| 79 | Umpqua Holdings Corp. | Roseburg | Ore. | 4.57 | 4.74 | -0.17 | 3,153,291 |
| 80 | First Banks Inc. | Clayton | Mo. | 4.56 | 4.44 | 0.12 | 7,324,076 |
| 81 | Commercial Bancshares Inc. | Upper Sandusky | Ohio | 4.55 | 4.57 | -0.02 | 275,054 |
| Hudson Valley Holding Corp. | Yonkers | N.Y. | 4.55 | 4.26 | 0.29 | 1,811,367 | |
| ITLA Capital Corp. | La Jolla | Calif. | 4.55 | 5.10 | -0.55 | 1,883,496 | |
| Sterling Bancshares Inc. | Houston | 4.55 | 4.96 | -0.41 | 3,090,208 | ||
| University Bancorp Inc. | Ann Arbor | Mich. | 4.55 | 4.74 | -0.19 | 45,757 | |
| 86 | Nara Bancorp Inc. | Los Angeles | 4.54 | 4.57 | -0.03 | 1,397,955 | |
| Park National Corp. | Newark | Ohio | 4.54 | 4.49 | 0.05 | 5,074,731 | |
| 88 | SCBT Financial Corp. | Columbia | S.C. | 4.53 | 4.52 | 0.01 | 1,330,806 |
| TCF Financial Corp. | Minneapolis | 4.53 | 4.45 | 0.08 | 11,942,863 | ||
| 90 | Central Coast Bancorp | Salinas | Calif. | 4.52 | 4.45 | 0.07 | 1,049,485 |
| 91 | Alaska Pacific Bancshares Inc. | Juneau | 4.51 | 4.15 | 0.36 | 166,985 | |
| First Community Bancshares Inc. | Bluefield | Va. | 4.51 | 4.55 | -0.04 | 1,849,238 | |
| First Financial Bankshares Inc. | Abilene | Tex. | 4.51 | 4.44 | 0.07 | 2,080,706 | |
| 94 | FNBH Bancorp Inc. | Howell | Mich. | 4.50 | 4.82 | -0.32 | 449,216 |
| City National Corp. | Beverly Hills | 4.49 | 4.79 | -0.30 | 13,473,900 | ||
| Community Bank System Inc. | Dewitt | N.Y. | 4.49 | 4.75 | -0.26 | 4,357,754 | |
| TIB Financial Corp. | Naples | Fla. | 4.49 | NA | NA | 760,520 | |
| 98 | Capital Corp of the West | Merced | Calif. | 4.48 | 4.58 | -0.1 | 1,314,180 |
| 99 | FLAG Financial Corp. | Atlanta | 4.46 | 4.52 | -0.06 | 749,371 | |
| Texas United Bancshares Inc. | La Grange | 4.46 | 5.16 | -0.7 | 751,631 | ||
| 101 | Commercial National Financial Corp. | Ithaca | Mich. | 4.45 | 4.47 | -0.02 | 243,151 |
| Pointe Financial Corp. | Boca Raton | Fla. | 4.45 | 4.33 | 0.12 | 374,265 | |
| 103 | Bank of Commerce Holdings Inc. | Redding | Calif. | 4.43 | NA | NA | 409,872 |
| 104 | Bank of the Ozarks Inc. | Little Rock | 4.43 | 4.70 | -0.27 | 1,516,175 | |
| 105 | FirstBank Corp. | Alma | Mich. | 4.42 | 4.51 | -0.09 | 786,056 |
| Main Street Banks Inc. | Kennesaw | Ga. | 4.42 | 5.02 | -0.6 | 2,147,165 | |
| Pacific Capital Bancorp | Santa Barbara | Calif. | 4.42 | 4.71 | -0.29 | 5,684,329 | |
| Security Bank Corp. | Macon | Ga. | 4.42 | NA | NA | 993,038 | |
| 109 | Hancock Holding Co. | Gulfport | Miss. | 4.40 | 4.37 | 0.03 | 4,464,937 |
| 110 | First State Bancorp. | Albuquerque | 4.39 | 4.94 | -0.55 | 1,699,043 | |
| 111 | National Mercantile Bancorp | Los Angeles | 4.38 | NA | NA | 387,197 | |
| Vail Banks Inc. | Avon | Colo. | 4.38 | 4.77 | -0.39 | 590,427 | |
| 113 | First Interstate BancSystem Inc. | Billings | Mont. | 4.36 | 4.52 | -0.16 | 4,002,056 |
| Four Oaks Fincorp Inc. | Four Oaks | N.C. | 4.36 | NA | NA | 384,940 | |
| 115 | Pennsylvania Commerce Bancorp | Camp Hill | 4.35 | 4.29 | 0.06 | 1,184,870 | |
| 116 | Cass Information Systems Inc. | Bridgeton | Mo. | 4.33 | 5.02 | -0.69 | 688,162 |
| Madison Bancshares Inc. | Palm Harbor | Fla. | 4.33 | 4.56 | -0.23 | 225,430 | |
| State Bancorp Inc. | New Hyde Park | N.Y. | 4.33 | 4.12 | 0.21 | 1,497,403 | |
| 119 | Alliance Bancshares California | Culver City | Calif. | 4.31 | 4.05 | 0.26 | 345,808 |
| Central Pacific Financial Corp. | Honolulu | 4.31 | 4.79 | -0.48 | 2,498,829 | ||
| FirstBank North West Corp. | Clarkston | Wash. | 4.31 | 4.10 | 0.21 | 732,662 | |
| Provident Bancorp Inc. | Montebello | N.Y. | 4.31 | 4.44 | -0.13 | 1,782,670 | |
| Texas Regional Bancshares Inc. | McAllen | 4.31 | 3.88 | 0.43 | 5,438,748 | ||
| Whitney Holding Corp. | New Orleans | La. | 4.31 | 4.43 | -0.12 | 7,789,126 | |
| 125 | Classic Bancshares Inc. | Ashland | Ky. | 4.30 | NA | NA | 335,975 |
| Northern Empire Bancshares | Santa Rosa | Calif. | 4.30 | 4.24 | 0.06 | 959,771 | |
| 127 | Columbia Bancorp | Columbia | Md. | 4.29 | NA | NA | 1,126,916 |
| Commerce Bancorp Inc. | Cherry Hill | N.J. | 4.29 | 4.41 | -0.12 | 26,738,671 | |
| Farmers and Merchants Bancorp | Lodi | Calif. | 4.29 | 4.42 | -0.13 | 1,187,252 | |
| Greater Bay Bancorp | Palo Alto | Calif. | 4.29 | 4.11 | 0.18 | 7,613,295 | |
| Stewardship Financial Corp. | Midland Park | N.J. | 4.29 | 3.84 | 0.45 | 405,926 | |
| 132 | PAB Bankshares Inc. | Valdosta | Ga. | 4.28 | 4.13 | 0.15 | 739,237 |
| U.S. Bancorp | Minneapolis | 4.28 | 4.50 | -0.22 | 190,230,000 | ||
| 134 | Community Capital Corp. | Greenwood | S.C. | 4.27 | NA | NA | 532,614 |
| Heritage Commerce Corp. | San Jose | Calif. | 4.27 | 4.38 | -0.11 | 1,083,387 | |
| 136 | Carrollton Bancorp | Baltimore | 4.26 | NA | NA | 306,118 | |
| First Bancorp | Troy | N.C. | 4.26 | 4.53 | -0.27 | 1,558,251 | |
| North Fork Bancorp. Inc. | Melville | N.Y. | 4.26 | 4.00 | 0.26 | 26,471,859 | |
| Southwest Georgia Financial Corp. | Moultrie | 4.26 | 4.69 | -0.43 | 293,019 | ||
| 140 | Dearborn Bancorp Inc. | Mich. | 4.25 | 3.70 | 0.55 | 475,452 | |
| S.Y. Bancorp Inc. | Louisville | Ky. | 4.25 | 4.25 | 0 | 1,128,051 | |
| United Financial Corp. | Great Falls | Mont. | 4.25 | 3.95 | 0.3 | 334,063 | |
| 143 | Mercantile Bankshares Corp. | Baltimore | 4.24 | 4.38 | -0.14 | 14,130,145 | |
| Synovus Financial Corp. | Columbus | Ga. | 4.24 | 4.25 | -0.01 | 23,560,216 | |
| 145 | Rainier Pacific Financial Group | Fife | Wash. | 4.23 | NA | NA | 760,582 |
| 146 | Horizon Financial Corp. | Bellingham | Wash. | 4.22 | 4.30 | -0.08 | 877,543 |
| Illini Corp. | Springfield | Ill. | 4.22 | 3.17 | 1.05 | 239,830 | |
| 148 | 1st Constitution Bancorp | Cranbury | N.J. | 4.21 | 3.97 | 0.24 | 325,280 |
| First Chester County Corp. | West Chester | Pa. | 4.21 | 4.28 | -0.07 | 759,329 | |
| Middleburg Financial Corp. | Middleburg | Va. | 4.21 | NA | NA | 547,232 | |
Source: Highline Banking Data Services (877-305-6657)
Notes: *Publicly traded companies only. **Estimates from Highline. These firms do not file an average daily balance sheet for financial notes form.
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