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Loan/Deposit Ratio Leaders Among Bank Holding Companies

January 05, 2005, 10:08 a.m. EST 1 Min Read
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Loan/Deposit Ratio Leaders Among Bank Holding Companies

Loan/Deposit Ratio Leaders Among Bank Holding Companies
On June 30, 2004. Dollars in thousands*
Published January 5, 2005
Related Table: Highest Ratios and Fastest Percentage Growth
     Loans** as percent of deposits Loans** Deposits Equity capital
June 30 Yr. earlier
1 MetLife Inc. New York 1861.61% 5056.08% $38,321,446 $2,058,512 $21,316,305
2 California First National Bancorp Irvine 748.17 2107.06 189,211 25,290 203,848
3 Community Financial Services Atlanta 532.57 1023.73 809,622 152,022 79,079
4 Countrywide Financial Corp. Calabasas, Calif. 345.84 592.00 53,502,378 15,470,279 9,444,797
5 First National Bancshares East Lansing, Mich. 194.27 179.86 394,745 203,199 138,150
6 Marin National Bancorp Las Vegas 183.61 150.28 236,197 128,639 65,584
7 Gateway Bancorp Santa Ana, Calif. 176.91 220.98 162,109 91,632 28,103
8 Charles Schwab Corp. San Francisco 160.23 231.61 16,094,173 10,044,527 4,731,949
9 Cass Information Systems Inc. Bridgeton, Mo. 159.41 175.13 474,560 297,700 65,836
10 Marquette Financial Cos. Minneapolis 156.70 195.18 714,914 456,226 365,171
11 Republic Bancorp Inc. Owosso, Mich. 156.19 157.45 4,411,116 2,824,181 381,953
12 Northpointe Bancshares Inc. Grand Rapids, Mich. 153.89 NA 185,019 120,228 14,978
13 United National Corp. Sioux Falls, S.D. 144.67 132.70 664,656 459,418 359,272
14 Guaranty Federal Bancshares Springfield, Mo. 142.68 142.74 370,384 259,582 39,305
15 South Shore MHC Weymouth, Mass. 140.41 NA 121,248 86,354 9,627
16 Greenville First Bancshares S.C. 138.21 118.23 247,582 179,139 11,941
17 Rainier Pacific Finl Group Fife, Wash. 136.79 NA 479,366 350,445 109,084
18 Arkansas National Bancshares Bentonville 134.55 137.18 445,642 331,208 34,803
19 National City Corp. Cleveland 132.82 153.79 97,004,054 73,036,089 10,334,984
20 Bancsouth Corp. Dothan, Ala. 132.46 132.41 189,811 143,294 28,440
21 ITLA Capital Corp. La Jolla, Calif. 132.30 133.75 1,596,985 1,207,106 202,029
22 Irwin Financial Corp. Columbus, Ind. 130.88 140.80 4,399,409 3,361,288 469,486
23 Optimumbank Holdings Inc. Plantation, Fla. 130.71 NA 118,180 90,411 15,824
24 First Financial Corp. Arthur, N.D. 130.57 119.34 141,311 108,228 10,012
25 Carolina Financial Corp. Charleston, S.C. 130.39 113.90 401,804 308,165 24,727
26 Paramount Bancorp Inc. Farmington Hills, Mich. 129.72 113.51 168,539 129,930 15,673
27 Berkshire Financial Services Lee, Mass. 129.39 115.81 253,573 195,971 31,257
28 Popular Inc. San Juan, Puerto Rico 129.31 114.75 24,862,000 19,227,000 2,784,000
29 Diamond Bancorp Inc. Washington, Mo. 128.82 109.85 317,359 246,349 67,657
30 Ohio Heritage Bancorp Inc. Coshocton 128.63 106.35 141,143 109,724 17,078
31 GreenPoint Financial Corp. New York 128.42 122.96 17,027,776 13,259,645 1,962,907
32 Manhattan Banking Corp. Manhattan, Kan. 127.09 107.41 330,431 260,001 25,401
33 Pedcor Bancorp Carmel, Ind. 125.82 102.27 147,982 117,618 24,126
34 R&G Financial Corp. Hato Rey, Puerto Rico 125.33 109.25 4,830,445 3,854,069 779,827
35 Farmers and Merchants Invest Milford, Neb. 124.93 122.19 1,232,426 986,494 143,107
36 Liberty Financial Group Inc. Eugene, Ore. 124.72 121.21 490,442 393,223 45,470
37 Chambers Bancshares Inc. Danville, Ark. 124.54 116.03 570,666 458,230 65,832
38 First Mutual Bancshares Inc. Bellevue, Wash. 124.34 131.01 796,464 640,531 54,771
39 Republic Bancorp Inc. Louisville, Ky. 124.06 120.19 1,697,292 1,368,105 184,257
40 FCB Bancorp Inc. Louisville, Ky. 123.74 123.18 194,801 157,426 22,854
41 Founders Financial Corp. Grand Rapids, Mich. 122.92 108.29 209,352 170,315 16,052
42 Whitman Bancorp. Inc. Colfax, Wash. 122.10 131.38 282,788 231,612 13,227
43 KeyCorp Cleveland 121.64 126.82 64,015,845 52,627,802 6,828,578
44 InvestorsBancorp Inc. Pewaukee, Wis. 120.90 125.96 184,334 152,465 9,091
45 Commercial National Financial Corp. Ithaca,. Mich. 120.85 109.33 200,188 165,645 24,515
46 EverTrust Financial Group Everett, Wash. 120.67 114.86 668,828 554,276 91,175
47 West Pointe Bancshares Inc. Oshkosh, Wis. 120.54 120.12 200,664 166,465 16,185
48 Independent Bankers Financial Corp. Irving, Tex. 120.27 127.04 566,136 470,729 65,938
49 First Horizon National Corp. Memphis 120.24 120.17 18,749,194 15,593,424 1,920,677
50 Charter One Financial Inc. Cleveland 119.86 91.66 33,032,681 27,559,396 3,307,991
51 Stearns Financial Services St. Cloud, Minn. 119.78 104.41 986,461 823,579 105,285
52 FSC Bancshares Inc. Cameron, Mo. 119.64 NA 139,530 116,624 9,516
53 Hometown Bancshares Inc. Carthage, Mo. 119.62 NA 154,772 129,385 8,863
54 Macon Bancorp Franklin, N.C. 119.23 115.95 564,831 473,747 44,364
55 Wells Fargo & Co. San Francisco 118.34 121.76 317,311,000 268,125,000 35,478,000
56 Southern Missouri Bancorp Poplar Bluff, Mo. 118.11 NA 250,333 211,955 25,952
57 Liberty Bancshares Inc. Springfield, Mo. 117.57 103.87 413,267 351,517 31,029
58 TCF Financial Corp. Wayzata, Minn. 117.28 107.35 9,254,613 7,891,045 939,152
59 New York Community Bancorp Inc. Westbury 117.18 113.33 11,877,402 10,136,154 3,040,288
60 Access National Corp. Chantilly, Va. 116.95 105.19 289,972 247,948 24,278
61 Machias Bancorp MHC Machias, Maine 116.89 106.76 395,586 338,421 65,274
62 Vineyard National Rancho Cucamonga, Calif. 116.83 90.31 939,916 804,542 58,762
63 St. Joseph Capital Corp. Mishawaka, Ind. 116.83 106.31 244,293 209,103 24,843
64 Midwest Bankers' Bancorp Jefferson City, Mo. 116.39 NA 160,750 138,115 23,667
65 QCR Holdings Inc. Moline, Ill. 116.28 101.39 592,184 509,285 42,920
66 Colonial BancGroup Inc. Montgomery, Ala. 116.10 134.21 12,851,932 11,069,472 1,283,495
67 Commonwealth Bankshares Inc. Norfolk, Va. 116.00 107.13 296,994 256,033 20,676
68 Central Bancshares Inc. Golden Valley, Minn. 115.92 107.86 248,564 214,433 17,854
69 Cooperative Bankshares Inc. Wilmington, N.C. 115.79 113.67 441,093 380,952 44,391
70 TCM Co. Crete, Neb. 115.53 NA 144,491 125,065 10,284
71 TCB Corp. Greenwood, S.C. 115.46 109.06 146,876 127,204 18,402
72 Northern Empire Bancshares Santa Rosa, Calif. 115.42 105.08 832,069 720,887 78,975
73 Citizens Bank Group Inc. St. James, Minn. 115.38 NA 141,279 122,443 8,874
74 Twenty-First Century FS Tulsa, Okla. 115.21 99.74 223,501 193,991 14,215
75 Community Bancshares Marysville, Kan. 115.02 115.11 179,929 156,439 15,559
76 First National Lincoln Damariscotta, Maine 114.71 102.80 443,433 386,573 49,515
77 Bloomfield Hills Bancorp Mich. 114.10 106.74 261,230 228,943 17,179
78 Midcarolina Financial Corp. Burlington, N.C. 113.85 109.12 203,927 179,119 14,840
79 Cecil Bancorp Inc. Elkton, Md. 113.74 NA 146,875 129,133 17,532
80 Sturgis Bancorp Inc. Mich. 113.74 104.95 233,175 205,008 28,240
81 Columbian Corp. Overland Park, Kan. 113.69 104.03 191,901 168,797 17,871
82 S&T Bancorp Inc. Indiana, Pa. 113.62 105.48 2,246,619 1,977,257 321,625
83 Finlayson Bancshares Inc. Minn. 113.43 100.83 243,412 214,599 18,624
84 Huntington Bancshares Inc. Columbus, Ohio 113.43 107.77 22,079,948 19,465,146 2,386,369
85 First Bancorp San Juan, Puerto Rico 113.36 115.75 7,884,207 6,955,096 1,128,851
86 Mercantile Bank Corp. Wyoming, Mich. 113.32 102.66 1,185,363 1,046,069 134,272
87 Centennial Bank Holdings Fort Collins, Colo. 113.20 109.18 614,527 542,875 62,709
88 ESB Acquisition Corp. New York 113.03 NA 5,694,620 5,038,317 550,379
89 Central Bancorp Inc. Somerville, Mass. 112.84 131.75 355,792 315,311 42,634
90 First Indiana Corp. Indianapolis 112.71 122.12 1,705,310 1,513,044 211,958
91 Frontenac Bancshares Inc. Earth City, Mo. 112.45 94.72 209,227 186,063 18,614
92 Uwharrie Capital Corp. Albemarle, N.C. 112.25 116.44 261,269 232,762 27,461
93 First United Corp. Oakland, Md. 112.14 106.84 863,170 769,720 84,625
94 Macatawa Bank Corp. Holland, Mich. 112.07 108.77 1,290,371 1,151,346 122,589
95 Onefinancial Corp. Little Rock 112.03 109.37 247,487 220,916 20,225
96 Alikat Investments Inc. Gurnee, Ill. 111.99 118.94 407,825 364,163 32,435
97 First National Bank Holding Scottsdale, Ariz. 111.96 87.01 2,185,695 1,952,231 141,927
98 Mutual Bancorp of Berkshires Pittsfield, Mass. 111.90 102.28 491,682 439,375 56,885
99 First State Bancshares Inc. Middlesboro, Ky. 111.87 102.88 311,798 278,706 27,485
100 Sword Financial Corp. Horicon, Wis. 111.83 111.89 287,771 257,321 17,916
101 Sterling Bancgroup Inc. Lantana, Fla. 111.82 NA 185,846 166,203 18,563
102 Seacoast Financial Services Corp. New Bedford, Mass. 111.82 125.03 4,096,980 3,663,986 497,263
103 Bradley County Financial Corp. Cleveland, Tenn. 111.82 112.09 163,690 146,386 19,532
104 Parkers Prairie Bancshares Parkers Prairie, Minn. 111.80 NA 171,172 153,111 8,589
105 Fidelity Bancshares Inc. Edina, Minn. 111.63 138.34 296,061 265,206 33,196
106 City Bancorp Springfield, Mo. 111.62 97.39 558,815 500,654 57,795
107 Beverly Financial MHC Mass. 111.61 NA 136,672 122,459 11,300
108 Peterson Holding Co. Decatur, Ark. 111.57 117.46 243,506 218,251 33,678
109 Commonwealth Bancshares Inc. Louisville, Ky. 111.49 106.77 409,809 367,581 43,143
110 Madison Bancshares Group Ltd. Blue Bell, Pa. 111.47 93.63 198,513 178,082 14,143
111 Community Bancshares Inc. Noblesville, Ind. 111.26 100.00 175,624 157,855 24,614
112 Ida Grove Bancshares Inc. Iowa 111.21 107.62 501,773 451,182 42,209
113 Freedom Bancorp. Inc. Hudson, Wis. 111.14 90.81 167,322 150,552 14,735
114 Bancshares of Jackson Hole Wyo. 111.12 104.53 226,762 204,076 25,487
115 Milford Bancorp. Iowa 111.11 100.78 175,170 157,654 9,647
116 First International Bancorp Plano, Tex. 111.03 108.75 184,297 165,991 10,853
117 Lincoln Bancorp Reinbeck, Iowa 111.00 100.96 285,072 256,826 33,408
118 Associated Banc-Corp Green Bay, Wis. 110.88 114.15 10,626,494 9,583,592 1,378,894
119 Rockwood Bancshares Inc. Eureka, Mo. 110.85 106.90 270,222 243,774 28,168
120 Greene County Bancshares Greeneville, Tenn. 110.84 109.42 987,861 891,236 105,509
121 Minnwest Corp. Minnetonka, Minn. 110.82 106.34 824,050 743,588 101,911
122 FirstBank Corp. Alma, Mich. 110.81 104.42 652,429 588,784 86,689
123 Bar Harbor Bankshares Maine 110.74 117.08 416,940 376,488 52,299
124 American Bancorp Minneapolis, Minn. 110.74 98.14 544,968 492,124 38,723
125 Quail Creek Bancshares Inc. Oklahoma City 110.71 91.03 233,509 210,926 25,421
126 Franklin Bancorp Inc. St. Paul 110.65 93.43 247,310 223,508 17,444
127 CBank and Trust Holding Corp. New Orleans 110.51 108.95 301,700 273,006 25,466
128 Stonebridge Financial Corp. West Chester, Pa. 110.50 88.09 254,242 230,073 18,278
129 First Financial Service Corp. Elizabethtown, Ky. 110.44 98.79 581,442 526,456 57,212
130 Doral Financial Corp. San Juan, Puerto Rico 110.20 123.85 3,569,694 3,239,396 1,718,270
131 Salin Bancshares Inc. Indianapolis 110.15 100.41 857,869 778,830 67,269
132 Southwest Bancorp Inc. Stillwater, Okla. 110.15 106.77 1,495,010 1,357,196 116,751
133 Unity Holdings Inc. Cartersville, Ga. 110.13 NA 147,778 134,182 13,873
134 Hillcrest Bancshares Inc. Overland Park, Kan. 110.12 109.41 886,362 804,930 77,183
135 Timberland Bancorp Inc. Hoquiam, Wash. 109.88 103.90 337,993 307,593 71,783
136 First Olathe Bancshares Inc. Overland Park, Kan. 109.79 95.51 817,607 744,693 57,197
137 Business Holding Corp. Baton Rouge, La. 109.70 NA 130,268 118,747 14,721
138 First Mutual of Richmond Inc. Ind. 109.67 102.74 494,256 450,683 66,905
139 Northeast Securities Corp. Minneapolis 109.59 100.69 233,389 212,956 19,585
140 Oak Hill Financial Inc. Jackson, Ohio 109.51 110.10 854,080 779,890 81,235
141 Ohio Valley Banc Corp. Gallipolis 109.48 108.67 590,822 539,657 56,038
142 First National London Bankshares Ky. 109.42 101.59 180,836 165,269 19,756
143 County Bancorp Inc. Manitowoc, Wis. 109.41 115.35 246,158 224,981 15,775
144 United Financial Corp. Great Falls, Mont. 109.35 93.49 263,312 240,807 29,601
145 Business Bancshares Inc. Clayton, Mo. 109.22 NA 176,173 161,301 15,112
146 Thomasville Bancshares Inc. Ga. 109.03 101.44 189,954 174,229 18,524
147 Community West Bancshares Goleta, Calif. 109.01 111.68 277,263 254,358 36,030
148 Webster Financial Corp Waterbury, Conn. 108.95 NA 11,444,293 10,504,016 1,450,916
149 Prospect Bancshares Inc. Worthington, Ohio 108.93 NA 193,054 177,225 16,349
150 Independent Southern Brownsville, Tenn. 108.85 86.73 383,633 352,440 31,375


*Among 500 largest companies that file Y-9C reports with the Federal Reserve.
**Includes leases
Source: Highline Banking Data Services (877-305-6657)
© 2005 American Banker

Banks, thrifts and holding companies