Most Efficient Bank Holding Companies

Published May 29, 2008, 10:08 a.m. EDT

Updated January 02, 1970, 9:08 a.m. EST

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Most Efficient Bank Holding Companies

Most Efficient Bank Holding CompaniesIn the fourth quarter of 2007, among the largest 500. Dollars in thousands. Published May 29, 2008
Related Table: Most Improved in Efficiency and Noninterest Expense
Rank		Efficiency ratio*		Noninterest expense			4Q 2007 assets
Rank		4Q 2007	4Q 2006	4Q 2007	4Q 2006	Change	4Q 2007 assets
1	Broadway Bancorp Inc. Chicago	11.17%	NA	$6,948	NA	NA	$1,094,432
2	Corus Bankshares Inc. Chicago	23.74	18.38%	76,949	$65,746	17.0%	8,926,577
3	Intervest Bancshares Corp. New York	25.27	22.79	12,875	13,027	-1.2	2,021,392
4	Amboy Bancorp. Old Bridge, N.J.	27.13	23.01	30,270	30,583	-1	2,662,172
5	Hillcrest Bancshares Inc. Overland Park, Kan.	27.89	28.04	21,989	20,304	8.3	1,781,178
6	New Frontier Bancorp Greeley, Colo.	32.80	36.70	23,690	17,208	37.7	1,979,445
7	SBC Inc. Countryside, Ill.	33.88	28.53	17,352	17,160	1.1	935,760
8	Stearns Financial Services Inc. St. Cloud, Minn.	33.99	33.75	35,917	36,882	-2.6	1,412,493
9	Apple Financial Holdings Inc. New York	34.51	NA	72,998	NA	NA	7,444,317
10	Cathay General Bancorp Los Angeles	36.25	35.69	129,300	114,306	13.1	10,402,532
11	New York Community Bancorp Inc. Westbury	37.23	41.83	324,154	301,747	7.4	30,599,738
12	Frontier Financial Corp. Everett, Wash.	37.94	37.33	76,778	67,322	14	3,995,690
13	Barnes Bancorp. Kaysville, Utah	38.83	37.76	21,370	18,152	17.7	879,693
14	East West Bancorp Inc. Pasadena, Calif.	39.22	39.08	184,276	162,835	13.2	11,852,332
15	Prosperity Bancshares Inc. Houston	40.03	41.76	116,369	77,387	50.4	6,381,996
16	Ida Grove Bancshares Inc. Iowa	40.22	42.37	15,239	14,035	8.6	985,132
17	Westamerica Bancorp. San Rafael, Calif.	40.24	37.77	101,428	101,724	-0.3	4,566,337
18	Florida Community Banks Inc. Immokalee	41.03	27.21	17,657	15,069	17.2	946,571
19	Wilshire Bancorp Inc. Los Angeles	42.02	38.54	45,846	41,214	11.2	2,196,700
20	Valley View Bancshares Inc. Overland Park, Kan.	42.13	44.74	63,459	55,823	13.7	2,822,501
21	West Bancorp. Inc. West Des Moines, Iowa	42.61	41.86	24,732	24,676	0.2	1,339,968
22	Hanmi Financial Corp. Los Angeles	42.62	38.46	187,358	75,770	147.3	3,983,420
23	United National Corp. Sioux Falls, S.D.	43.40	44.53	389,965	361,829	7.8	1,492,440
24	Bank of Highland Park Financial Corp. Ill.	43.74	45.46	10,491	10,210	2.8	1,151,813
25	United Bancorp. of Wyoming Inc. Jackson	43.91	41.73	31,622	27,087	16.7	1,697,872
26	Tennessee Commerce Bancorp Inc. Franklin	44.03	42.84	13,263	9,056	46.5	900,014
27	First Community Bancorp San Diego	44.53	44.57	142,382	122,916	15.8	5,185,627
28	Oriental Financial Group Inc. San Juan, Puerto Rico	44.78	65.00	66,858	63,345	5.5	5,999,855
29	Beverly Hills Bancorp Inc. Calabasas, Calif.	44.85	36.62	17,770	15,432	15.2	1,509,482
30	First South Bancorp Inc. Washington, N.C.	45.23	43.60	23,339	22,631	3.1	918,277
31	Chinatrust Capital Corp. Torrance, Calif.	45.62	69.68	42,343	68,610	-38.3	2,572,377
32	City Holding Co. Charleston, W.Va.	45.82	43.94	71,113	69,968	1.6	2,482,704
33	W Holding Co. Inc. Mayaguez, Puerto Rico	45.87	23.59	158,963	121,963	30.3	18,001,639
34	Silver State Bancorp Henderson, Nev.	45.88	43.88	41,348	27,827	48.6	1,763,954
35	First Mutual Bancorp of Illinois Inc. Harvey	45.89	39.83	21,230	17,442	21.7	1,524,484
36	Porter Bancorp Inc. Louisville	45.90	45.93	22,070	19,785	11.5	1,456,020
37	U.S. Bancorp Minneapolis	45.98	42.38	6,774,000	6,133,000	10.5	237,615,000
38	Bank of the Ozarks Inc. Little Rock	46.31	48.75	48,252	46,390	4	2,711,398
	S&T Bancorp Inc. Indiana, Pa.	46.31	44.96	73,413	68,584	7	3,407,903
40	UCBH Holdings Inc. San Francisco	46.48	49.32	175,753	158,819	10.7	11,803,566
41	Nara Bancorp Inc. Los Angeles	46.59	46.80	56,449	53,957	4.6	2,423,410
42	Central Pacific Financial Corp. Honolulu	46.77	48.60	125,160	128,310	-2.5	5,728,386
43	City National Bancshares Inc. Miami	46.80	44.45	62,480	55,386	12.8	2,761,338
44	Cascade Bancorp Bend, Ore.	46.81	44.92	62,510	53,425	17	2,394,566
45	Orion Bancorp Inc. Naples, Fla.	47.18	42.60	41,035	39,288	4.4	2,682,330
46	National Bankshares Inc. Blacksburg, Va.	47.33	49.16	20,956	21,658	-3.2	887,647
47	Georgian Bancorp. Inc. Atlanta	47.53	46.07	31,893	25,445	25.3	2,042,824
48	Virginia Commerce Bancorp Inc. Arlington	47.58	45.04	39,695	34,289	15.8	2,339,697
49	ANB Bancshares Inc. Rogers, Ark.	47.64	33.25	41,162	30,563	34.7	1,989,775
50	Olney Bancshares of Texas Inc.	47.72	44.10	33,985	25,540	33.1	1,657,865
51	Parkway Bancorp Inc. Harwood Heights, Ill.	48.29	46.70	32,724	30,780	6.3	2,031,286
52	Horizon Financial Corp. Bellingham, Wash.	48.31	47.38	29,440	27,154	8.4	1,391,315
53	Inwood Bancshares Inc. Dallas	48.45	50.25	27,867	28,020	-0.5	1,368,505
54	Citizens Financial Group Inc. Providence, R.I.	48.65	48.98	3,167,018	3,127,476	1.3	160,286,202
55	NEB Corp. Fond Du Lac, Wis.	48.84	47.61	32,703	30,701	6.5	1,291,710
56	American National Corp. Omaha	48.88	47.96	40,248	36,776	9.4	1,635,054
57	Stockman Financial Corp. Miles City, Mont.	49.04	46.13	32,681	29,145	12.1	1,487,312
58	FSB Mutual Holdings Inc. Perkasie, Pa.	49.24	49.56	13,292	12,356	7.6	1,021,140
59	Valley National Bancorp Wayne, N.J.	49.26	49.44	251,164	250,340	0.3	12,748,959
60	Great Southern Bancorp Inc. Springfield, Mo.	49.35	48.30	52,274	49,128	6.4	2,437,146
61	First National Community Bancorp Inc. Dunmore, Pa.	49.46	48.09	23,835	20,753	14.9	1,296,203
62	Sierra Bancorp Porterville, Calif.	49.54	49.79	35,568	33,473	6.3	1,233,735
63	First Bancorp Inc. Damariscotta, Maine	49.66	51.63	22,167	22,439	-1.2	1,223,250
64	Pacific Capital Bancorp Santa Barbara, Calif.	49.88	57.69	277,466	317,479	-12.6	7,386,696
65	United Bankshares Inc. Charleston, W.Va.	50.00	48.50	157,489	145,010	8.6	7,994,739
66	First Regional Bancorp Century City, Calif.	50.08	39.64	58,319	46,323	25.9	2,172,724
67	Farmers and Merchants Bancorp Lodi, Calif.	50.27	53.36	41,961	43,098	-2.6	1,521,549
68	First Bank Corp Fort Smith, Ark.	50.55	48.95	41,147	39,483	4.2	1,380,051
69	Community Bancorp Las Vegas	51.11	47.78	39,552	27,476	44	1,693,521
70	1867 Western Financial Corp. Stockton, Calif.	51.17	50.79	56,928	57,336	-0.7	1,870,663
71	Camden National Corp. Maine	51.37	50.99	33,686	35,861	-6.1	1,716,788
	Dickinson Financial Corp. II Kansas City, Mo.	51.37	50.46	187,420	169,867	10.3	5,582,293
73	First Community Bancshares Inc. Bluefield, Va.	51.43	51.01	50,464	49,843	1.2	2,149,836
74	Metropolitan Bank Group Inc. Chicago	51.52	55.24	108,581	93,052	16.7	3,068,165
75	Cascade Financial Corp. Everett, Wash.	51.72	53.68	26,269	24,441	7.5	1,417,588
76	Bancorp Inc. Wilmington, Del.	51.76	64.96	31,204	44,138	-29.3	1,568,382
77	Cashmere Valley Financial Corp. Cashmere, Wash.	51.86	49.82	18,799	16,415	14.5	893,387
78	First Financial Bankshares Inc. Abilene, Tex.	51.97	52.63	86,826	83,136	4.4	3,070,309
79	First Midwest Bancorp Inc. Itasca, Ill.	52.11	50.28	197,450	191,955	2.9	8,095,585
80	HSBC North America Holdings Inc. Mettawa, Ill.	52.16	48.25	16,654,446	11,353,678	46.7	487,754,828
	Suffolk Bancorp Riverhead, N.Y.	52.16	50.92	40,385	39,979	1	1,469,419
82	M&T Bank Corp. Buffalo	52.28	50.79	1,565,955	1,499,382	4.4	64,875,639
83	Associated Banc-Corp Green Bay, Wis.	52.35	49.40	534,297	496,215	7.7	21,592,083
84	Hudson Valley Holding Corp. Yonkers, N.Y.	52.43	49.47	66,168	58,106	13.9	2,330,712
85	Smithtown Bancorp Inc. Hauppauge, N.Y.	52.46	49.86	26,954	24,413	10.4	1,121,149
86	BB&T Corp. Winston-Salem, N.C.	52.51	53.25	3,634,605	3,506,865	3.6	132,617,601
87	Amarillo National Bancorp Inc. Tex.	52.55	52.45	62,723	54,045	16.1	2,635,996
88	Glacier Bancorp Inc. Kalispell, Mont.	52.66	52.25	137,063	118,131	16	4,817,326
89	Alpine Banks of Colorado Glenwood Springs	52.83	55.02	71,822	64,330	11.6	2,394,384
	Green Bankshares Inc. Greeneville, Tenn.	52.83	55.13	69,329	53,057	30.7	2,947,741
91	Bank of America Corp. Charlotte	52.89	46.00	37,203,152	35,675,157	4.3	1,720,688,423
92	NBT Bancorp Inc. Norwich, N.Y.	53.01	55.44	123,502	122,966	0.4	5,201,776
93	Liberty Financial Group Inc. Eugene, Ore.	53.09	52.06	26,525	23,357	13.6	943,769
94	CVB Financial Corp. Ontario, Calif.	53.12	46.97	116,197	105,687	9.9	6,294,063
95	Center Financial Corp. Los Angeles	53.17	46.35	49,570	43,488	14	2,077,586
96	Lone Star National Bancshares of Texas Inc. Pharr	53.28	51.84	39,080	32,977	18.5	1,579,005
97	Bridgeview Bancorp Inc. Chicago	53.37	36.86	30,257	37,015	-18.3	1,414,195
98	American Chartered Bancorp Inc. Schaumburg, Ill.	53.42	55.31	48,594	45,843	6	2,708,548
99	Pacific Continental Corp. Eugene, Ore.	53.43	53.46	25,841	23,738	8.9	950,804
100	Bank of Hawaii Corp. Honolulu	53.72	52.87	348,189	334,683	4	10,472,942
101	Capital One Financial Corp. McLean, Va.	53.77	56.51	7,954,718	6,917,878	15	150,590,369
102	Macon Bancorp Franklin, N.C.	53.79	51.88	21,563	20,219	6.6	1,049,408
103	First Chicago Bancorp Itasca, Ill.	53.85	57.40	19,846	9,510	108.7	1,132,417
104	Park National Corp. Newark, Ohio	53.96	49.47	224,164	141,002	59	6,501,102
105	Synovus Financial Corp. Columbus, Ga.	54.08	65.83	840,093	2,170,677	-61.3	33,018,452
106	First Bancorp Inc. Lebanon, Va.	54.38	51.52	23,783	21,409	11.1	937,511
107	Durant Bancorp Inc. Okla.	54.51	53.34	51,981	46,016	13	1,843,073
108	Crews Banking Corp. Wauchula, Fla.	54.52	52.44	30,494	29,879	2.1	1,101,588
109	Banorte USA Corp. New York	54.57	70.01	47,453	7,336	546.9	1,804,556
110	FirstBank Holding Co. Lakewood, Colo.	54.61	51.68	203,960	184,790	10.4	8,690,219
111	American State Financial Corp. Lubbock, Tex.	54.83	53.99	55,833	52,629	6.1	2,076,375
112	W.T.B. Financial Corp. Spokane	54.98	54.68	100,598	94,536	6.4	3,719,753
113	BancWest Corp. Honolulu	55.06	54.98	1,468,834	1,440,131	2	74,209,491
114	Zions Bancorp. Salt Lake City	55.10	55.12	1,412,127	1,332,709	6	52,947,444
115	Marshall & Ilsley Corp. Milwaukee	55.15	61.61	1,311,002	2,154,396	-39.1	59,857,466
116	New York Private Bank and Trust Corp.	55.25	57.75	214,204	205,691	4.1	14,357,765
117	Great Western Bancorp. Inc. Omaha	55.35	58.12	85,251	84,196	1.3	3,549,220
118	Paragon Commercial Corp. Raleigh	55.38	51.21	15,752	11,926	32.1	990,063
119	Colonial BancGroup Inc. Montgomery, Ala.	55.43	53.73	559,602	518,930	7.8	25,971,125
120	Minnwest Corp. Minnetonka, Minn.	55.46	51.22	32,542	28,775	13.1	1,466,015
121	Hills Bancorp. Hills, Iowa	55.49	55.57	35,827	34,041	5.2	1,661,098
122	S.Y. Bancorp Inc. Louisville	55.71	55.47	47,889	47,449	0.9	1,482,519
123	Lakeland Financial Corp. Warsaw, Ind.	55.73	54.88	42,244	39,522	6.9	1,988,984
124	Univest Corp. of Pennsylvania Souderton	55.82	54.60	52,211	49,958	4.5	1,972,505
125	National Penn Bancshares Inc. Boyertown, Pa.	55.83	56.56	138,773	133,331	4.1	5,824,421
126	Yadkin Valley Financial Corp. Elkin, N.C.	55.85	55.94	33,424	32,166	3.9	1,211,322
127	Savannah Bancorp Inc. Ga.	55.86	54.05	21,139	19,953	5.9	932,459
128	Orrstown Financial Services Inc. Shippensburg, Pa.	55.93	54.21	24,848	21,550	15.3	884,979
129	United Community Banks Inc. Blairsville, Ga.	56.09	55.54	190,061	161,427	17.7	8,207,302
130	First Olathe Bancshares Inc. Overland Park, Kan.	56.10	55.12	38,438	35,976	6.8	1,623,187
131	Trinity Capital Corp. Los Alamos, N.M.	56.10	57.91	32,441	31,365	3.4	1,379,723
132	Cullen/Frost Bankers Inc. San Antonio, Tex.	56.23	56.08	457,073	408,018	12	13,646,450
133	City National Corp. Beverly Hills	56.44	54.39	531,385	476,219	11.6	15,893,886
134	Whitney Holding Corp. New Orleans	56.50	58.58	348,436	339,793	2.5	11,029,846
135	BBVA USA Bancshares Inc. The Woodlands, Tex.	56.56	55.79	833,663	1,037,867	-19.7	58,869,241
136	First Citizens Financial Corp. Mason City, Iowa	56.57	56.80	19,643	18,173	8.1	1,017,637
137	Riverside Banking Co. Fort Pierce, Fla.	56.60	59.39	103,907	97,287	6.8	4,805,174
138	JPMorgan Chase & Co. New York	56.70	59.25	42,210,000	38,585,000	9.4	1,562,147,000
139	SVB Financial Group Santa Clara, Calif.	56.70	62.84	339,065	317,098	6.9	6,454,369
140	Sinopac Bancorp Los Angeles	56.73	63.30	43,625	45,480	-4.1	2,045,586
141	First BanCorp. San Juan, Puerto Rico	56.81	54.12	308,005	286,718	7.4	17,186,931
142	Bank of Marin Bancorp Novato, Calif.	56.92	NA	27,674	NA	NA	933,989
143	Gateway Financial Holdings Inc. Virginia Beach	56.95	76.29	44,940	34,974	28.5	1,868,186
144	Columbia Bancorp The Dalles, Ore.	57.01	54.84	37,113	34,390	7.9	1,043,354
145	Peoples Bancorp Inc. Marietta, Ohio	57.02	57.19	51,452	51,297	0.3	1,886,068
146	First Financial Corp. Terre Haute, Ind.	57.10	60.38	64,650	64,656	0	2,231,868
147	Taylor Capital Group Inc. Rosemont, Ill.	57.13	56.04	94,729	73,346	29.2	3,551,537
148	Community Trust Bancorp Inc. Pikeville, Ky.	57.18	56.22	83,055	80,407	3.3	2,902,684
149	Arrow Financial Corp. Glens Falls, N.Y.	57.31	56.71	37,940	36,818	3	1,584,846
150	Trustmark Corp. Jackson, Miss.	57.46	57.94	276,426	260,407	6.2	8,966,802

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed are included. Excludes thrift holding companies. * Noninterest expense divided by (total income minus interest expense)
Source:

SNL Financial