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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

September 11, 2012, 3:20 p.m. EDT 1 Min Read
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Most Efficient Bank Holding Companies

Most Efficient Bank Holding CompaniesYear to date through March 31. Dollars in thousands.
Published September 11, 2012
Rank   Efficiency Ratio* Noninterest Expenses 1Q 2012
Assets
2012 2011 2012 2011 Change
1 The Leaders Group Inc. Oak Brook, Ill. 4.00 140.44 $3 $3,101 -99.9% $7,071
2 Briscoe Ranch Inc. Uvalde, Texas 6.44 10.22 4,502 4,284 5.1 1,026,150
3 NRBC Holding Corp. Chicago 24.79 31.41 3,880 4,855 -20.1 1,332,612
4 Republic Bancorp Inc. Louisville, Ky. 27.06 24.96 41,153 42,818 -3.9 3,344,834
5 Villages Bancorp. Inc. The Villages, Fla. 33.27 44.85 4,568 5,171 -11.7 1,448,518
6 SBT Bancshares Inc. Dallas 33.47 26.48 1,814 2,252 -19.4 535,758
7 Clayton Bancorp Inc. Knoxville, Tenn. 34.29 40.65 4,995 4,599 8.6 924,111
8 Industry Bancshares Inc. Industry, Texas 36.41 40.59 7,611 7,468 1.9 1,969,257
9 United National Corp. Sioux Falls, S.D. 36.87 40.15 62,052 67,673 -8.3 1,835,037
10 ServisFirst Bancshares Inc. Birmingham, Ala. 36.96 45.23 8,981 8,597 4.5 2,531,484
11 Discover Financial Services Riverwoods, Ill. 37.83 36.31 688,445 618,139 11.4 71,208,923
12 Apple Financial Holdings Inc. New York 38.75 55.33 21,472 21,932 -2.1 8,419,275
13 Hudson Valley Holding Corp. Yonkers, N.Y. 38.81 60.58 20,781 20,006 3.9 2,805,276
14 Parke Bancorp Inc. Swell, N.J. 39.31 30.93 3,508 3,197 9.7 774,604
15 First Security Bancorp Searcy, Ark. 40.85 42.32 31,875 30,063 6.0 4,231,878
16 Lauritzen Corp. Omaha, Neb. 41.41 35.52 15,008 14,848 1.1 1,633,299
17 CU Bank Shares Inc. Farmers Branch, Texas 41.50 199.60 3,541 4,539 -22.0 666,183
18 Prosperity Bancshares Inc. Houston 41.64 43.61 40,116 41,360 -3.0 10,893,502
19 BBCN Bancorp Inc. Los Angeles 42.35 49.86 30,306 16,606 82.5 5,169,315
20 New York Community Bancorp Inc. Westbury 42.92 41.65 150,004 146,524 2.4 43,042,450
21 JJR Holding Co. Inc. Brick, N.J. 43.32 41.95 3,293 3,318 -0.8 575,258
22 American State Financial Corp. Lubbock, Texas 43.40 43.05 17,285 16,874 2.4 3,160,972
23 Charter Bankshares Inc. Eau Claire, Wis. 43.56 45.41 3,766 3,844 -2.0 695,145
24 Manhattan Banking Corp. Kan. 43.73 44.70 4,555 3,649 24.8 792,763
25 AFNB Holdings Inc. Houston 44.21 51.18 6,449 4,134 56.0 869,525
26 Citizens Bank Holding Inc. Mukwonago, Wis. 44.49 72.11 4,094 4,186 -2.2 667,843
27 Olney Bancshares of Texas Inc.. 44.59 54.74 9,332 10,098 -7.6 1,883,418
28 National Bankshares Inc. Blacksburg, Va. 44.63 45.89 5,963 5,952 0.2 1,083,842
29 Choice Financial Holdings Inc. Grafton, N.D. 44.80 56.58 3,546 3,564 -0.5 611,831
30 First Bemidji Holding Co. Minn. 44.99 43.59 2,496 2,452 1.8 558,168
31 Ambank Co. Inc. Sioux Center, Iowa 45.34 47.04 4,472 4,248 5.3 810,100
32 Educational Services of America Inc. Knoxville, Tenn. 45.38 58.84 6,795 6,152 10.5 1,751,915
33 First Paragould Bankshares Inc. Ark. 45.45 46.56 3,687 3,629 1.6 722,665
34 CVB Financial Corp. Ontario, Calif. 45.55 53.78 29,962 38,688 -22.6 6,506,083
35 Capitol Bancorp. Inc. Britton, S.D. 45.58 40.83 8,577 6,724 27.6 713,388
36 Hometown Banc Corp Grand Island, Neb. 45.64 46.93 4,590 4,101 11.9 942,259
37 East West Bancorp Inc. Pasadena, Calif. 46.93 47.56 109,415 99,998 9.4 21,749,819
38 Park National Corp. Newark, Ohio 46.97 55.84 47,808 46,346 3.2 6,776,851
39 Intervest Bancshares Corp. New York 46.99 45.23 5,412 4,991 8.4 1,909,052
40 Heritage Group Inc. Wood River, Neb. 47.18 48.23 2,698 2,475 9.0 555,740
41 Waupaca Bancorp. Inc. Wis. 47.24 49.24 4,170 4,370 -4.6 759,146
42 Ames National Corp. Iowa 47.31 47.47 4,807 4,604 4.4 1,094,656
43 Peoples Financial Services Corp. Hallstead, Pa. 47.39 51.41 3,336 3,402 -1.9 631,749
44 Westamerica Bancorp. San Rafael, Calif. 47.40 45.84 32,604 32,179 1.3 5,052,996
45 First Manitowoc Bancorp Inc. Wis. 47.57 53.04 5,036 5,143 -2.1 923,281
46 Blackhawk Bancorp. Inc. Milan, Ill. 47.66 45.88 4,892 4,232 15.6 1,069,098
47 Bank of the Ozarks Inc. Little Rock, Ark. 47.73 54.24 28,607 26,192 9.2 3,837,382
48 Wilshire Bancorp Inc. Los Angeles 48.18 43.84 15,169 16,425 -7.6 2,662,496
49 Honat Bancorp Inc. Honesdale, Pa. 48.36 54.25 3,503 3,398 3.1 574,264
50 First Financial Bankshares Inc. Abilene, Texas 48.39 49.27 26,468 26,160 1.2 4,227,250
51 Liberty Bancshares Inc. Springfield, Mo. 48.41 46.48 7,036 6,252 12.5 1,085,293
52 Citizens Financial Services Inc. Mansfield, Pa. 48.55 51.82 4,855 4,641 4.6 909,426
53 Amboy Bancorp. Old Bridge, N.J. 48.57 43.66 11,399 12,138 -6.1 2,260,256
54 First Illinois Bancorp Inc. East St. Louis 48.69 50.80 2,902 3,095 -6.2 545,224
55 Ida Grove Bancshares Inc. Iowa 48.77 48.04 5,391 5,330 1.1 1,174,770
56 Cashmere Valley Financial Corp. Cashmere, Wash. 48.84 54.90 5,503 6,257 -12.1 1,186,699
57 Central Bancshares Inc. Golden Valley, Minn. 49.06 70.99 9,271 6,505 42.5 1,092,739
58 Stockman Financial Corp. Miles City, Mont. 49.15 56.14 10,619 10,579 0.4 2,140,148
59 Center Bancorp Inc. Union, N.J. 49.30 54.85 5,807 5,935 -2.2 1,476,595
60 Barclays Delaware Holdings LLC Wilmington 49.69 43.35 189,731 160,928 17.9 15,644,921
61 The Bank of Southside Virginia Corp. Carson 49.86 48.73 3,468 3,543 -2.1 560,608
62 Lakeside Bancorp Inc. Chicago 50.04 44.49 5,652 4,709 20.0 1,141,817
63 SNBNY Holdings Ltd. New York 50.06 63.45 18,109 18,926 -4.3 5,511,048
64 Lakeland Financial Corp. Warsaw, Ind. 50.11 48.66 14,677 14,164 3.6 2,956,134
65 The First of Long Island Corp. Glen Head, N.Y. 50.14 52.57 9,174 9,067 1.2 2,081,899
66 County Bancorp Inc. Manitowoc, Wis. 50.16 45.30 3,493 3,135 11.4 689,517
67 FirstBank Holding Co. Lakewood, Colo. 50.23 49.48 70,372 67,638 4.0 12,092,584
68 Heartland Bancorp Inc. Bloomington, Ill. 50.26 47.19 13,097 10,088 29.8 1,986,397
69 First Bancorp Inc. Damariscotta, Maine 50.41 48.27 6,136 6,442 -4.8 1,423,792
70 Citizens and Northern Corp. Wellsboro, Pa. 50.45 56.48 8,517 8,276 2.9 1,316,764
71 Traditional Bancorp. Inc. Mount Sterling, Ky. 50.53 49.61 5,661 5,384 5.1 1,085,828
72 Southern National Bancorp of Virginia Inc. McLean 50.65 53.35 4,312 3,454 24.8 610,848
73 Northern Bancorp Inc. Woburn, Mass. 50.84 47.23 4,391 3,899 12.6 751,241
74 Home BancShares Inc. Conway, Ark. 50.86 52.10 24,161 23,726 1.8 4,147,952
75 Hills Bancorp. Iowa 50.92 50.64 11,626 10,924 6.4 2,102,672
76 NEB Corp. Fond du Lac, Wis. 50.94 55.39 8,402 8,201 2.5 1,483,780
77 First Bancorp Inc. Lebanon, Va. 50.95 51.80 7,499 7,205 4.1 1,246,531
78 Planters Financial Group Inc. Hopkinsville, Tenn. 51.07 50.65 3,304 3,049 8.4 668,354
79 Penns Wood Bancorp Inc. Jersey Shore, Pa. 51.20 52.09 5,464 4,988 9.5 793,114
80 Independence Bancshares Inc. Owensboro, Ky. 51.38 50.80 6,914 6,212 11.3 1,145,587
81 First Farmers Financial Corp. Converse, Ind. 51.41 52.13 6,021 5,396 11.6 929,129
82 Amarillo National Bancorp Inc. Texas 51.51 51.48 19,149 18,520 3.4 3,181,070
83 Foresight Financial Group Inc. Rockford, Ill. 51.70 53.40 5,079 5,005 1.5 893,101
84 United Community Bancorp Inc. Chatham, Ill. 51.73 57.53 7,246 7,006 3.4 1,284,173
85 1st Summit Bancorp of Johnstown Inc. Pa. 51.77 55.16 3,826 3,691 3.7 761,877
86 First Keystone Corp. Berwick, Pa. 51.88 51.74 4,585 4,312 6.3 823,693
87 S.Y. Bancorp Inc. Louisville, Ky. 51.91 58.49 15,330 15,341 -0.1 2,041,168
North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 51.91 50.88 4,146 3,312 25.2 762,868
89 U.S. Bancorp Minneapolis 52.03 51.53 2,570,000 2,301,000 11.7 340,762,000
90 First Financial Banc Corp. El Dorado, Ark. 52.14 52.87 6,902 6,532 5.7 799,988
91 Cathay General Bancorp El Monte, Calif. 52.19 58.89 44,223 49,278 -10.3 10,573,436
92 Stearns Financial Services Inc. St. Cloud, Minn. 52.34 49.30 11,064 9,513 16.3 1,438,920
Talmer Bancorp Inc. Troy, Mich. 52.34 63.43 26,691 23,540 13.4 2,169,322
94 West Bancorp. Inc. West Des Moines, Iowa 52.41 47.27 6,858 6,417 6.9 1,321,204
95 Southern Bancshares Corp. St. Louis 52.61 67.65 3,292 3,566 -7.7 513,683
96 Texas Capital Bancshares Inc. Dallas 52.62 62.16 49,896 42,925 16.2 8,560,309
97 Magnolia Banking Corp. Ark. 52.70 47.94 4,187 3,648 14.8 751,426
98 Planters Holding Co. Indianola, Miss. 52.71 54.44 3,865 3,977 -2.8 702,250
99 Westbrand Inc. Minot, N.D. 52.78 58.38 3,415 3,356 1.8 772,740
100 City Holding Co. Cross Lanes, W.Va. 52.80 55.38 19,381 19,648 -1.4 2,779,963
101 First Bank Corp Fort Smith, Ark. 52.90 50.53 11,028 11,105 -0.7 1,578,721
102 First Southern Bancorp Inc. Stanford, Ky. 53.17 64.55 5,615 5,467 2.7 735,658
103 CBX Corp. Carrollton, Ill. 53.24 57.17 4,882 4,381 11.4 1,027,716
104 Farmers and Merchants Bancorp Lodi, Calif. 53.33 50.37 12,127 10,975 10.5 1,945,788
105 Crews Banking Corp. Wauchula, Fla. 53.43 55.88 7,826 7,825 0.0 1,191,770
Bar Harbor Bankshares Maine 53.43 54.13 5,786 5,535 4.5 1,224,671
107 Eagle Bancorp Inc. Bethesda, Md. 53.49 57.48 18,610 14,274 30.4 2,816,236
108 Whitcorp Financial Co. Garden City, Kan. 53.71 57.23 3,747 4,136 -9.4 684,305
109 Bank of Marin Bancorp Novato, Calif. 53.94 51.95 9,835 9,130 7.7 1,421,284
110 Merchants Bancorp Inc. Hillsboro, Ohio 54.19 57.66 3,430 3,552 -3.4 595,548
111 National Americas Holdings LLC New York 54.42 70.85 48,887 59,650 -18.0 8,606,078
112 Camden National Corp. Maine 54.55 55.27 12,962 13,285 -2.4 2,339,158
113 Gulfstream Bancshares Inc. Stuart, Fla. 54.57 46.19 2,921 2,608 12.0 544,455
114 University Financial Corp. Inc. dba Sunrise Community Banks St. Paul, Minn. 54.58 50.27 6,537 5,568 17.4 1,033,154
115 Citco Community Bancshares Inc. Elizabethton, Tenn. 54.83 49.71 4,253 3,894 9.2 638,057
116 Norwood Financial Corp., Honesdale, Pa. 54.87 57.87 4,029 3,512 14.7 685,529
117 Centrabanc Corp. Waco, Texas 54.95 57.15 3,161 3,025 4.5 598,809
118 Orange County Bancorp Inc. Middletown, N.Y. 54.96 55.43 3,693 3,601 2.6 663,701
119 Florida Community Bankshares Inc. Ocala 55.00 62.09 3,014 3,155 -4.5 550,626
120 First Citizens Financial Corp. Mason City, Iowa 55.06 37.33 5,987 5,428 10.3 1,180,064
121 Longview Financial Corp. Texas 55.09 56.09 9,390 9,008 4.2 1,483,209
122 Provident Financial Services Inc. Jersey City, N.J. 55.10 56.99 36,677 35,285 3.9 7,121,062
123 WNB Bancshares Inc. Odessa, Texas 55.11 49.91 5,982 5,676 5.4 1,202,395
124 First Financial Bancorp. Cincinnati 55.41 51.95 53,504 57,790 -7.4 6,416,568
125 Dimeco Inc. Honesdale, Pa. 55.46 61.90 3,500 3,597 -2.7 582,946
126 Investors Bancorp MHC Millburn, N.J. 55.48 45.44 54,414 38,252 42.3 11,246,252
127 Inwood Bancshares Inc. Dallas 55.72 59.06 7,163 7,295 -1.8 1,445,308
128 Glacier Bancorp Inc. Kalispell, Mont. 55.81 54.35 42,762 41,067 4.1 7,241,845
129 1867 Western Financial Corp. Stockton, Calif. 55.92 67.81 12,420 15,608 -20.4 2,050,536
130 United Bankshares Inc. Charleston, W.Va. 55.99 55.55 48,538 41,936 15.7 8,529,469
131 Security National Corp. Sioux City, S.D. 56.08 57.38 7,074 7,081 -0.1 1,156,692
132 F&M Bank Corp. Timberville, Va. 56.12 60.81 3,251 3,272 -0.6 557,421
133 First Merchants Corp. Muncie, Ind. 56.17 67.85 32,556 31,274 4.1 4,237,153
134 Citizens Bankshares Inc. Farmington, N.M. 56.28 58.48 4,108 4,195 -2.1 674,925
135 Virginia Commerce Bancorp Inc. Arlington 56.36 51.81 16,627 14,448 15.1 2,954,658
136 WestStar Bank Holding Co. Inc. El Paso, Texas 56.40 53.33 6,667 6,306 5.7 1,013,015
137 National Penn Bancshares Inc. Boyertown, Pa. 56.46 59.64 52,440 56,837 -7.7 8,524,035
138 Central Bancompany Inc. Jefferson City, Mo. 56.49 57.57 72,254 71,475 1.1 10,332,348
139 American Central Bancorp. Inc. Mount Zion, Ill. 56.69 59.72 4,514 3,890 16.0 669,432
International Bancshares Corp. Laredo, Texas 56.69 56.57 68,105 75,643 -10.0 11,811,661
141 Pinnacle Bancorp Inc. Central City, Neb. 56.72 58.75 41,298 40,912 0.9 6,582,383
142 Middlefield Banc Corp Ohio 56.74 61.13 3,848 3,705 3.9 656,889
143 Nodaway Valley Bancshares Inc. Maryville, Mo. 56.94 57.44 4,768 4,801 -0.7 788,330
CNB Financial Corp. Clearfield, Pa. 56.94 59.27 8,925 8,258 8.1 1,686,651
145 Sunwest Bancorp Inc. Tustin, Calif. 56.97 48.18 6,417 7,050 -9.0 612,424
146 Fidelity Holding Co. Minnetonka, Minn. 56.99 63.81 2,152 1,841 16.9 365,665
Linco Bancshares Inc. Columbia, Mo. 56.99 51.42 6,451 5,915 9.1 678,060
148 Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb. 57.00 66.29 5,255 5,497 -4.4 670,885
149 Midwest Banc Holding Co. Pierce, Neb. 57.02 62.35 3,100 3,046 1.8 504,447
150 Bancshares of Jackson Hole Inc. Jackson, Wyo. 57.08 62.47 3,705 3,219 15.1 558,939
151 ESB Bancorp MHC Easthampton, Mass. 57.13 58.62 4,999 4,837 3.3 961,790
152 Cardinal Financial Corp. McLean, Va. 57.15 60.92 18,081 13,690 32.1 2,608,666
153 Oconomowoc Bancshares Inc. Wis. 57.17 62.14 5,606 4,641 20.8 712,185
154 Fulton Financial Corp. Lancaster, Pa. 57.25 54.19 110,662 101,563 9.0 16,510,887
155 Suburban Illinois Bancorp Inc. Elmhurst 57.28 81.37 4,394 4,586 -4.2 585,858
156 QNB Corp. Quakertown, Pa. 57.29 52.63 4,851 4,420 9.8 882,940
157 Liberty Bancshares Inc Jonesboro, Ark. 57.33 61.39 16,676 16,477 1.2 2,793,879
158 Summit Bancorp Inc. Arkadelphia, Ark. 57.35 56.97 7,091 6,624 7.1 1,155,577
159 Coppermark Bancshares Inc. Oklahoma City 57.38 57.67 8,138 8,292 -1.9 1,293,831
160 Bank of Hawaii Corp. Honolulu 57.44 58.38 84,999 86,728 -2.0 13,782,251
Trust No. 3 Under the Will of Charles Henderson Troy, Ala. 57.44 52.92 4,507 4,272 5.5 884,131
162 Lakeland Bancorp Inc. Oak Ridge, N.J. 57.64 58.54 16,275 17,026 -4.4 2,852,421
163 First Co Bancorp Inc. Collinsville, Ill. 57.65 59.01 6,556 6,497 0.9 1,025,985
Santander BanCorp San Juan, Puerto Rico 57.65 54.06 68,797 65,860 4.5 7,224,041
165 Community Trust Bancorp Inc. Pikeville, Ky. 57.70 60.78 25,750 26,547 -3.0 3,674,013
166 German American Bancorp Inc. Jasper, Ind. 57.84 68.20 12,593 13,870 -9.2 1,911,653
167 First Guaranty Bancshares Inc. Hammond, La. 57.91 61.03 7,069 6,577 7.5 1,358,919
168 The Bank of Kentucky Financial Corp. Crestview Hills 57.97 57.37 11,342 10,349 9.6 1,752,781
169 First York Ban Corp. Neb. 58.05 64.42 8,254 7,984 3.4 1,112,863
170 Farmers and Merchants Bankshares Inc. Stuttgart, Ark. 58.13 53.96 3,677 3,685 -0.2 630,413
171 American National Corp. Omaha, Neb. 58.15 52.26 14,221 11,686 21.7 2,129,741
172 Carlinville National Bank Shares Inc. Ill. 58.20 68.66 4,381 4,575 -4.2 707,603
173 BB&T Corp. Winston-Salem, N.C. 58.24 65.80 1,335,842 1,271,588 5.1 174,751,894
174 Diamond Bancorp Inc. Washington, Mo. 58.32 60.59 4,320 4,037 7.0 814,826
175 Wilson Bank Holding Co. Lebanon, Tenn. 58.47 61.41 9,978 9,890 0.9 1,619,359
176 Independent Alliance Banks Inc. Grabill, Ind. 58.49 62.21 5,831 5,783 0.8 964,500
177 Fifth Third Bancorp Cincinnati 58.50 63.00 974,357 917,424 6.2 116,747,098
178 Great Southern Bancorp Inc. Springfield, Mo. 58.54 56.92 27,243 22,333 22.0 3,860,246
179 Ohio Valley Banc Corp. Gallipolis, Ohio 58.59 54.67 7,318 7,086 3.3 853,874
180 BOK Financial Corp. Tulsa, Okla. 58.64 60.57 188,587 178,147 5.9 25,873,271
181 Financial Institutions Inc. Warsaw, N.Y. 58.69 60.18 15,632 15,332 2.0 2,460,820
Horizon Bancorp Michigan City, Ind. 58.69 64.83 11,160 10,258 8.8 1,546,831
183 Mid Illinois Bancorp Inc. Peoria 58.79 57.72 3,903 3,699 5.5 677,081
184 PrivateBancorp Inc. Chicago 58.98 57.65 75,080 69,771 7.6 12,623,164
185 Columbia Banking System Inc. Tacoma, Wash. 58.99 85.30 49,149 55,136 -10.9 4,815,432
People's Utah Bancorp American Fork 58.99 63.06 7,373 6,828 8.0 907,006
187 American National Bankshares Inc. Danville, Va. 59.01 64.31 10,170 5,757 76.7 1,323,260
188 Southern Utah Bancorp. Cedar City 59.02 62.63 4,232 4,350 -2.7 693,277
189 Viewpoint Financial Group Inc. Plano, Texas 59.04 0.00 18,445 0 NA 3,040,707
190 Southern Missouri Bancorp Inc. Poplar Bluff 59.05 50.38 5,034 4,153 21.2 752,720
191 Commerce Bancshares Inc. Kansas City, Mo. 59.09 59.78 164,392 163,296 0.7 20,541,914
192 Red River Bancshares Inc. Alexandria, La. 59.10 65.42 6,386 6,244 2.3 1,071,668
Independent Holdings Inc. Memphis, Tenn. 59.10 61.47 5,755 5,695 1.1 808,752
194 CCFNB Bancorp Inc. Bloomsburg, Pa. 59.29 62.81 3,911 4,144 -5.6 631,223
195 Southside Bancshares Inc. Tyler, Texas 59.30 60.16 18,522 18,512 0.1 3,217,444
196 MidWestOne Financial Group Inc. Iowa City, Iowa 59.33 63.33 10,907 10,652 2.4 1,725,844
197 Citizens Bancshares of Batesville Inc. Ark. 59.41 65.19 3,671 3,849 -4.6 555,904
198 First American Bancorp Athens, Ga. 59.42 0.00 3,098 0 NA 562,503
Pacific Premier Bancorp Inc. Costa Mesa, Calif. 59.42 43.15 6,408 6,097 5.1 985,171
200 Ohnward Bancshares Inc. Maquoketa, Iowa 59.44 61.33 5,379 5,312 1.3 902,770
Western Alliance Bancorp. Phoenix 59.44 69.34 44,190 41,967 5.3 6,925,292


Note: Only top-tier holding companies that file a Y-9C statement with the Fed as of Dec. 31, 2011, are included. Excludes thrift holding companies. *Noninterest expense divided by (total income minus interest expense). Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies operating as of March 31, 2012.

Source:

Financial Information Systems LLC

© 2012 American Banker

 

Banks, thrifts and holding companies