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Loan/Deposit Ratio Leaders Among Bank Holding Companies

Published October 06, 2005, 10:08 a.m. EDT
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Updated January 02, 1970, 9:08 a.m. EST
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Loan/Deposit Ratio Leaders Among Bank Holding Companies

Loan/Deposit Ratio Leaders Among Bank Holding Companies
On March 31, 2005. Dollars in thousands*
Published October 6, 2005
Related Table: Highest Ratios and Fastest Percentage Growth
Rank   Loans** as % of deposits Loans** Deposits Equity capital
March 31, 2005 Year earlier
1 MetLife Inc. New York 1400.26% 2303.34% $42,521,676 $3,036,702 $23,038,988
2 California First National Bancorp Irvine 441.59 856.75 218,867 49,563 185,406
3 Community Financial Services Atlanta 335.41 474.29 999,571 298,019 102,822
4 Countrywide Financial Corp. Calabasas, Calif. 302.68 403.91 77,726,164 25,679,739 10,952,047
5 United National Corp. Sioux Falls, S.D. 213.86 137.20 791,410 370,058 536,601
6 First National Bancshares East Lansing, Mich. 198.06 185.41 326,920 165,057 139,163
7 Midwest Bankers’ Bancorp Jefferson City, Mo. 191.40 115.32 172,337 90,039 26,609
8 Gateway Bancorp Santa Ana, Calif. 186.28 136.49 198,630 106,632 29,669
9 Cass Information Systems Inc. Bridgeton, Mo. 174.17 171.24 508,997 292,237 70,663
10 Independent Bankers Financial Corp. Irving, Tex. 155.15 102.11 596,402 384,402 70,563
11 Northpointe Bancshares Inc. Grand Rapids, Mich. 151.76 152.93 228,486 150,557 16,439
12 Fidelity and Trust Financial Corp. Bethesda, Md. 151.04 NA 178,966 118,491 29,561
13 Republic Bancorp Inc. Owosso, Mich. 150.98 149.04 4,518,536 2,992,746 404,948
14 Charles Schwab Corp. San Francisco 148.18 165.57 16,933,930 11,428,055 4,275,008
15 Capital One Financial Corp. McLean, Va. 146.83 NA 38,077,822 25,933,550 8,979,730
16 National City Corp. Cleveland 141.81 137.48 114,425,209 80,689,736 12,643,489
17 Affinity Bank Holdings Inc. Ventura, Calif. 137.31 NA 816,032 594,311 55,597
18 Guaranty Federal Bancshares Springfield, Mo. 136.95 145.22 414,419 302,617 39,698
19 South Shore MHC Weymouth, Mass. 136.89 NA 139,841 102,153 10,047
20 ITLA Capital Corp. La Jolla, Calif. 136.32 101.83 2,023,011 1,483,978 194,021
21 Berkshire Financial Services Lee, Mass. 135.87 128.79 269,523 198,364 32,589
22 Rainier Pacific Financial Group Tacoma, Wash. 135.85 130.04 498,154 366,699 87,536
23 Popular Inc. San Juan, Puerto Rico 135.43 128.48 29,427,000 21,729,000 3,065,000
24 Bancsouth Corp. Dothan, Ala. 135.25 137.15 203,825 150,702 30,269
25 TCB Corp. Greenwood, S.C. 134.57 111.87 164,552 122,279 19,207
26 Greenville First Bancshares S.C. 134.25 130.69 295,708 220,272 28,660
27 New York Community Bancorp Inc. Westbury 134.18 107.27 14,524,423 10,824,746 3,198,597
28 Marquette Financial Cos. Minneapolis 133.86 132.62 769,089 574,533 381,091
29 SBT Bancshares Inc. Irving, Tex. 133.31 NA 156,862 117,667 19,008
30 Ohio Heritage Bancorp Inc. Coshocton 132.12 122.87 150,517 113,924 18,694
31 Whitman Bancorp. Inc. Colfax, Wash. 130.60 118.14 313,197 239,806 16,602
32 Optimumbank Holdings Inc. Fort Lauderdale, Fla. 130.22 NA 131,463 100,951 17,143
33 ANB Bancshares Inc. Rogers, Ark. 128.38 128.26 585,885 456,362 35,804
34 Commonwealth Bankshares Inc. Norfolk, Va. 127.10 101.46 368,283 289,759 38,670
35 FSC Bancshares Inc. Cameron, Mo. 127.03 NA 149,712 117,852 10,321
36 Paramount Bancorp Inc. Farmington Hills, Mich. 126.34 121.15 220,172 174,272 16,421
37 TCM Co. Crete, Neb. 126.06 119.11 160,572 127,381 11,649
38 Founders Financial Corp. Grand Rapids, Mich. 125.87 114.16 235,984 187,475 17,944
39 Venture Financial Group Inc. Lacey, Wash. 125.78 98.76 452,188 359,494 58,022
40 Macon Bancorp Franklin, N.C. 124.98 113.73 626,333 501,139 51,826
41 FCB Bancorp Inc. Louisville 124.77 127.93 205,984 165,093 22,874
42 Camco Financial Corp. Cambridge, Ohio 124.26 NA 842,260 677,841 89,579
43 Bankers' Bancorp. of Florida Lake Mary 124.15 77.09 208,936 168,294 23,359
44 Northern Empire Bancshares Santa Rosa, Calif. 124.10 113.96 995,894 802,477 94,110
45 Columbian Corp. Overland Park, Kan. 123.95 114.86 259,344 209,240 19,822
46 Liberty Financial Group Inc. Eugene, Ore. 123.52 120.36 559,444 452,909 50,864
47 City Bancorp Springfield, Mo. 123.00 116.30 655,787 533,179 61,057
48 Liberty Bancshares Inc. Springfield, Mo. 122.68 111.17 455,009 370,877 33,617
49 West Pointe Bancshares Inc. Oshkosh, Wis. 121.91 116.61 217,642 178,532 17,319
50 Stonebridge Financial Corp. West Chester, Pa. 121.86 86.07 257,810 211,560 20,547
51 Wells Fargo & Co. San Francisco 121.20 120.23 331,081,000 273,163,000 38,477,000
Merchants Bancorp Gresham, Ore. 121.20 108.33 187,880 155,022 18,622
53 First Mutual of Richmond Inc. Ind. 120.86 107.06 531,745 439,956 70,364
54 First International Bancorp Plano, Tex. 120.48 109.99 203,878 169,223 16,458
55 Irwin Financial Corp. Columbus, Ind. 120.44 127.48 4,541,029 3,770,443 503,849
56 R&G Financial Corp. San Juan, Puerto Rico 120.43 120.66 6,379,613 5,297,451 888,183
57 Summit Financial Group Inc. Moorefield, W.Va. 119.97 103.17 644,770 537,435 66,400
58 First Mutual Bancshares Inc. Bellevue, Wash. 119.52 126.17 832,363 696,397 60,965
59 Dairyland Bank Holding Corp. La Crosse, Wis. 119.50 103.89 162,843 136,271 52,540
60 First Financial Corp. Arthur, N.D. 119.38 104.63 135,860 113,804 11,098
61 Hometown Bancshares Inc. Carthage, Mo. 119.37 120.15 173,277 145,157 9,612
62 Bar Harbor Bankshares Maine 119.15 111.42 457,766 384,204 54,994
63 Marshall & Ilsley Corp. Milwaukee 119.04 112.52 30,610,991 25,714,486 4,022,402
64 BTC Financial Corp. Des Moines, Iowa 118.61 103.85 1,241,166 1,046,383 101,355
65 Pedcor Bancorp Carmel, Ind. 118.52 115.76 156,647 132,173 25,476
First Bancorp San Juan, Puerto Rico 118.52 112.65 10,959,690 9,247,190 1,233,885
67 Western Bancshares Inc. St. Paul 118.42 103.20 324,156 273,736 35,344
68 Carolina Financial Corp. Charleston, S.C. 118.16 137.48 439,101 371,617 26,569
69 Chambers Bancshares Inc. Danville, Ark. 118.14 116.06 598,144 506,315 73,310
70 KeyCorp Cleveland 118.13 124.94 67,548,685 57,181,888 7,161,917
71 Bloomfield Hills Bancorp Mich. 117.61 114.16 316,610 269,195 19,775
72 Bankers’ Bank of the West Bancorp. Denver 117.37 84.04 173,938 148,193 28,591
73 Outsource Holdings Inc. Lubbock, Tex. 117.18 NA 154,718 132,029 9,869
74 Manhattan Banking Corp. Kan. 116.84 119.70 372,154 318,518 28,543
75 Central Bancorp Inc. Somerville, Mass. 116.20 120.29 388,603 334,434 38,239
76 Bank of St. Petersburg Holdings Tampa, Fla. 116.17 NA 172,104 148,146 30,884
77 Peoples Bancorp Inc. Chestertown, Md. 115.68 98.98 183,931 159,004 21,728
78 Cecil Bancorp Inc. Elkton, Md. 115.62 112.07 186,889 161,642 18,791
79 Southern Missouri Bancorp Poplar Bluff, Mo. 115.55 NA 266,644 230,754 25,818
80 Cooperative Bankshares Inc. Wilmington, N.C. 114.98 112.43 508,618 442,356 47,480
81 Associated Banc-Corp Green Bay, Wis. 114.84 109.32 14,003,171 12,193,904 2,025,071
82 TCF Financial Corp. Wayzata, Minn. 114.81 112.79 9,786,230 8,523,651 926,343
83 Finlayson Bancshares Inc. Minn. 114.71 107.38 261,091 227,612 21,087
84 Commercial National Fin’l. Corp. Ithaca, Mich. 114.65 112.86 213,739 186,425 14,724
85 First National Bank Holding Scottsdale, Ariz. 114.58 121.36 2,711,944 2,366,817 155,173
86 Ida Grove Bancshares Inc. Iowa 114.27 105.28 570,559 499,319 47,813
87 Bitterroot Holding Co. Lolo, Mont. 114.24 NA 136,613 119,582 11,906
88 Tri-County Financial Corp. Waldorf, Md. 114.22 100.13 320,067 280,227 32,022
89 Northeast Bancorp Auburn, Maine 114.17 NA 459,964 402,884 38,537
90 Community West Bancshares Goleta, Calif. 114.11 110.88 313,418 274,659 38,420
91 Diamond Bancorp Inc. Washington, Mo. 113.94 117.60 369,375 324,184 65,558
92 Keystone Financial Corp. Kalamazoo, Mich. 113.83 NA 144,159 126,646 11,720
93 Republic Bancorp Inc. Louisville 113.70 119.82 1,868,344 1,643,165 205,853
94 First Regional Bancorp. Los Angeles 113.65 109.50 1,251,353 1,101,064 83,071
95 American Bancorp. of Minnesota Brainerd 113.58 107.82 251,709 221,605 24,406
96 East West Bancorp Inc. San Marino, Calif. 113.53 99.87 5,390,084 4,747,515 534,029
97 Lakeside Bancorp Inc. Chicago 113.51 106.95 596,751 525,747 59,231
98 Stearns Financial Services St. Cloud, Minn. 113.40 112.52 1,188,861 1,048,388 119,837
99 Peoples Service Co. Nixa, Mo. 113.16 97.37 239,436 211,583 11,045
100 Union Bankshares Co. Ellsworth, Maine 113.15 99.28 328,351 290,195 40,522
101 MBT Bancorp West Harrison, Ind. 113.14 NA 126,746 112,029 15,810
102 Assabet Valley Bancorp Hudson, Mass. 113.08 108.93 441,613 390,522 48,780
103 Hillcrest Bancshares Inc. Overland Park, Kan. 113.04 110.67 924,509 817,884 85,709
104 Citizens Bancshares Inc. Bluffton, Ohio 112.87 NA 314,109 278,288 29,365
105 First National Lincoln Corp. Damariscotta, Maine 112.59 108.20 682,668 606,357 99,715
106 Dearborn Bancorp Inc. Mich. 112.53 106.54 616,430 547,807 76,947
Park Bancorp. Inc. Madison, Wis. 112.53 105.20 410,719 364,995 23,075
108 Northern Bankshares Inc. Mc Farland, Wis. 112.18 NA 171,955 153,286 12,956
109 Charter 95 Corp. St. Paul 111.97 97.04 310,215 277,048 34,075
110 Security Pacific Bancorp Los Angeles 111.90 93.64 333,942 298,429 33,733
111 Northern Bancorp Inc. Woburn, Mass. 111.83 100.84 307,053 274,563 34,161
112 1st Centennial Bancorp Redlands, Calif. 111.74 93.44 339,396 303,739 29,127
113 InvestorsBancorp Inc. Pewaukee, Wis. 111.71 120.42 246,206 220,402 8,988
114 Onefinancial Corp. Little Rock 111.64 109.23 274,146 245,564 21,347
115 Mutual Bancorp of Berkshires Pittsfield, Mass. 111.61 112.57 523,611 469,132 59,403
116 Community Bancshares Marysville, Kan. 111.60 113.81 188,436 168,857 15,281
117 Pacific Continental Corp. Eugene, Ore. 111.59 104.78 486,391 435,887 51,113
118 Citco Community Bancshares Elizabethton, Tenn. 111.47 98.38 416,279 373,458 58,270
119 Huntington Bancshares Inc. Columbus, Ohio 111.45 112.78 24,450,714 21,937,763 2,589,773
120 Citizens Bancshares Woodville, Wis. 111.12 NA 141,271 127,133 10,289
121 Frontier Financial Corp. Everett, Wash. 111.09 106.32 2,094,888 1,885,725 263,593
122 QCR Holdings Inc. Moline, Ill. 110.95 109.65 652,637 588,252 51,569
123 Amboy Bancorp. Old Bridge, N.J. 110.85 104.29 1,907,030 1,720,312 173,163
124 United Financial Corp. Great Falls, Mont. 110.81 103.74 281,691 254,215 30,692
125 First Medicine Lodge Bancshares Overland Park, Kan. 110.76 NA 154,655 139,629 11,309
126 Bancshares of Jackson Hole Jackson, Wyo. 110.74 108.91 249,331 225,142 25,533
127 Community Bank Shares of Indiana New Albany 110.65 104.99 482,964 436,468 41,655
128 Monona Bankshares Inc. Wis. 110.63 108.13 210,680 190,439 26,068
129 Ohio Valley Banc Corp. Gallipolis 110.57 110.27 589,973 533,575 56,927
130 Citizens First Corp. Bowling Green, Ky. 110.46 108.80 149,484 135,328 18,466
131 First Bancshares Corp. Gladstone, Mich. 110.26 NA 126,768 114,971 20,382
132 Royal American Corp. Inverness, Ill. 110.23 94.29 394,182 357,591 40,593
133 Hemet Bancorp Riverside, Calif. 110.07 103.90 337,225 306,367 19,912
PeoplesBancorp MHC Holyoke, Mass. 110.07 103.16 719,753 653,929 103,392
135 Bankers’ Bancorp. Inc. Madison, Wis. 110.01 68.94 95,304 86,634 31,970
136 Horizon Financial Corp. Bellingham, Wash. 109.85 99.23 820,816 747,200 107,024
137 Denmark Bancshares Inc. Wis. 109.80 101.90 306,640 279,277 50,147
138 Salin Bancshares Inc. Indianapolis 109.78 105.01 812,456 740,044 70,058
139 FSB Bancorp MHC Farmington, Maine 109.72 98.32 234,931 214,110 62,194
Sword Financial Corp. Horicon, Wis. 109.72 107.38 322,326 293,773 20,141
141 Mid-Missouri Holding Co. Sullivan 109.59 102.98 226,041 206,263 23,833
142 FirstBank Corp. Alma, Mich. 109.53 111.34 676,817 617,948 73,273
Central Bancshares Inc. Golden Valley, Minn. 109.53 113.80 269,756 246,292 20,362
Premier Bancshares Inc. Jefferson City, Mo. 109.53 108.24 429,887 392,499 32,832
145 First Olathe Bancshares Inc. Overland Park, Kan. 109.42 107.29 974,554 890,615 64,129
146 K Capital Corp. Owings Mills, Md. 109.41 105.23 494,754 452,204 50,135
147 Citizens Bank Group Inc. St. James, Minn. 109.40 110.94 167,866 153,447 13,526
148 DCB Financial Corp. Lewis Center, Ohio 109.35 95.57 509,272 465,744 54,994
149 Alikat Investments Inc. Gurnee, Ill. 109.30 114.09 442,133 404,518 37,052
F&M Bank Corp. Timberville, Va. 109.30 90.11 279,327 255,565 34,684

*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