Most Efficient Bank Holding Companies
August 13, 2008, 10:08 a.m. EDT 1 Min Read
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Most Efficient Bank Holding Companies
Most Efficient Bank Holding CompaniesIn the first quarter of 2008, among the largest 500. Dollars in thousands. | |||||||
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Rank | | | 1Q 2008 assets | ||||
| | | | | |||
1 | Broadway Bancorp Inc. Chicago | 14.04% | NA | $2,120 | NA | NA | $1,118,366 |
2 | Lauritzen Corp. Omaha | 29.15 | 50.07% | 18,896 | $17,147 | 10.2% | 1,361,937 |
3 | Corus Bankshares Inc. Chicago | 35.00 | 22.45 | 16,993 | 17,801 | -4.5 | 9,072,057 |
4 | Hillcrest Bancshares Inc. Overland Park, Kan. | 35.90 | 27.06 | 6,371 | 5,473 | 16.4 | 1,883,717 |
5 | Westamerica Bancorp. San Rafael, Calif. | 36.23 | 38.36 | 23,056 | 24,664 | -6.5 | 4,349,148 |
6 | Intervest Bancshares Corp. New York | 37.53 | 21.04 | 3,518 | 2,769 | 27.0 | 2,165,017 |
7 | Cathay General Bancorp Los Angeles | 37.60 | 36.21 | 32,839 | 30,224 | 8.7 | 10,442,907 |
8 | Bank of Highland Park Financial Corp. Ill. | 38.94 | 40.73 | 2,509 | 2,436 | 3.0 | 1,153,117 |
9 | Apple Financial Holdings Inc. New York | 39.65 | 36.82 | 18,857 | 17,466 | 8.0 | 8,319,013 |
10 | New York Community Bancorp Inc. Westbury | 40.43 | 38.89 | 84,655 | 74,322 | 13.9 | 30,923,823 |
11 | Prosperity Bancshares Inc. Houston | 40.46 | 42.68 | 28,916 | 26,942 | 7.3 | 6,471,824 |
12 | Frontier Financial Corp. Everett, Wash. | 40.90 | 39.61 | 21,212 | 18,406 | 15.2 | 4,053,068 |
13 | U.S. Bancorp Minneapolis | 40.99 | 42.65 | 1,777,000 | 1,528,000 | 16.3 | 241,781,000 |
14 | Stearns Financial Services Inc. St. Cloud, Minn. | 41.22 | 34.07 | 7,702 | 9,453 | -18.5 | 1,255,993 |
15 | United National Corp. Sioux Falls, S.D. | 41.49 | 37.87 | 95,088 | 88,503 | 7.4 | 1,541,161 |
16 | Pacific Capital Bancorp Santa Barbara, Calif. | 42.42 | 39.60 | 121,854 | 115,444 | 5.6 | 7,399,381 |
17 | Fifth Third Bancorp Cincinnati | 42.44 | 56.26 | 715,832 | 792,601 | -9.7 | 111,396,404 |
18 | Ida Grove Bancshares Inc. Iowa | 42.79 | 42.49 | 4,240 | 3,792 | 11.8 | 1,020,850 |
19 | HSBC North America Holdings Inc. Mettawa, Ill. | 43.00 | 46.83 | 2,647,218 | 2,894,280 | -8.5 | 493,010,805 |
20 | Central Pacific Financial Corp. Honolulu | 43.41 | 44.33 | 27,996 | 29,595 | -5.4 | 5,800,037 |
21 | S&T Bancorp Inc. Indiana, Pa. | 44.16 | 46.10 | 18,024 | 17,531 | 2.8 | 3,463,806 |
22 | First Mutual Bancorp of Illinois Inc. Harvey | 44.22 | 46.97 | 6,145 | 5,130 | 19.8 | 1,533,522 |
23 | Bank of the Ozarks Inc. Little Rock | 44.85 | 48.84 | 12,881 | 12,138 | 6.1 | 3,051,971 |
24 | Republic Bancorp Inc. Louisville | 44.90 | 58.23 | 33,680 | 22,970 | 46.6 | 3,124,031 |
25 | Suffolk Bancorp Riverhead, N.Y. | 44.99 | 54.04 | 10,354 | 10,323 | 0.3 | 1,526,657 |
26 | Capital One Financial Corp. McLean, Va. | 45.61 | 58.69 | 1,801,979 | 2,028,568 | -11.2 | 150,608,527 |
27 | East West Bancorp Inc. Pasadena, Calif. | 45.75 | 39.08 | 53,784 | 44,358 | 21.2 | 11,760,245 |
28 | West Bancorp. Inc. West Des Moines, Iowa | 45.87 | 45.94 | 6,676 | 6,453 | 3.5 | 1,332,941 |
29 | Amarillo National Bancorp Inc. Tex. | 45.93 | 50.05 | 14,426 | 13,713 | 5.2 | 2,628,210 |
30 | Ames National Corp. Iowa | 46.25 | 52.69 | 4,259 | 4,076 | 4.5 | 902,242 |
31 | First Bancorp Inc. Damariscotta, Maine | 46.51 | 50.64 | 5,449 | 5,250 | 3.8 | 1,248,208 |
Northern Trust Corp. Chicago | 46.51 | 63.18 | 535,561 | 525,776 | 1.9 | 77,480,291 | |
33 | SBC Inc. Countryside, Ill. | 46.67 | 33.12 | 4,890 | 4,523 | 8.1 | 960,136 |
34 | Sierra Bancorp Porterville, Calif. | 47.00 | 52.24 | 8,462 | 8,912 | -5.0 | 1,281,008 |
35 | PacWest Bancorp San Diego, Calif. | 47.26 | 39.62 | 310,477 | 35,378 | 777.6 | 4,895,163 |
36 | United Bancorp. of Wyoming Inc. Jackson | 47.27 | 45.95 | 9,479 | 7,543 | 25.7 | 1,671,414 |
37 | Umpqua Holdings Corp. Portland, Ore. | 47.46 | 59.08 | 47,064 | 50,121 | -6.1 | 8,362,011 |
38 | City Holding Co. Charleston, W.Va. | 47.51 | 44.79 | 19,734 | 17,634 | 11.9 | 2,524,813 |
39 | First Regional Bancorp Century City, Calif. | 47.53 | 46.46 | 14,750 | 13,292 | 11.0 | 2,319,356 |
40 | Synovus Financial Corp. Columbus, Ga. | 47.55 | 66.11 | 201,373 | 532,152 | -62.2 | 33,759,890 |
41 | First Citizens Financial Corp. Mason City, Iowa | 47.77 | 55.63 | 4,422 | 4,365 | 1.3 | 1,018,285 |
42 | Farmers and Merchants Bancorp Lodi, Calif. | 48.02 | 53.08 | 9,785 | 11,010 | -11.1 | 1,569,781 |
43 | United Bankshares Inc. Charleston, W.Va. | 48.20 | 43.52 | 41,542 | 31,498 | 31.9 | 7,986,974 |
44 | Wilshire Bancorp Inc. Los Angeles | 48.36 | 44.67 | 12,113 | 10,878 | 11.4 | 2,260,430 |
45 | San Joaquin Bancorp Bakersfield, Calif. | 48.50 | 48.11 | 4,386 | 3,851 | 13.9 | 909,017 |
46 | Great Southern Bancorp Inc. Springfield, Mo. | 48.62 | 47.35 | 14,204 | 12,073 | 17.7 | 2,507,124 |
47 | Oriental Financial Group Inc. San Juan, Puerto Rico | 48.63 | 46.02 | 17,730 | 15,828 | 12.0 | 6,158,119 |
48 | Great Western Bancorp. Inc. Omaha | 48.70 | 57.30 | 18,588 | 20,954 | -11.3 | 3,579,472 |
49 | Marshall & Ilsley Corp. Milwaukee | 48.76 | 59.87 | 304,348 | 551,926 | -44.9 | 63,432,326 |
50 | First South Bancorp Inc. Washington, N.C. | 48.77 | 44.30 | 6,027 | 5,634 | 7.0 | 924,826 |
51 | First Bank Corp Fort Smith, Ark. | 48.80 | 47.21 | 10,418 | 10,120 | 2.9 | 1,372,267 |
52 | City National Bancshares Inc. Miami | 49.08 | 40.16 | 15,342 | 14,850 | 3.3 | 2,874,886 |
53 | Valley View Bancshares Inc. Overland Park, Kan. | 49.16 | 46.01 | 15,975 | 14,692 | 8.7 | 2,977,450 |
54 | West Coast Bancorp Lake Oswego, Ore. | 49.43 | 57.81 | 17,085 | 21,291 | -19.8 | 2,620,894 |
55 | Summit Financial Group Inc. Moorefield, W.Va. | 49.47 | 57.83 | 7,089 | 6,511 | 8.9 | 1,464,663 |
56 | Lakeside Bancorp Inc. Chicago | 49.50 | 44.92 | 4,088 | 4,349 | -6.0 | 904,459 |
57 | Nara Bancorp Inc. Los Angeles | 49.53 | 50.41 | 14,362 | 13,946 | 3.0 | 2,546,113 |
58 | NEB Corp. Fond Du Lac, Wis. | 49.54 | 49.44 | 8,142 | 7,963 | 2.2 | 1,301,946 |
59 | Horizon Financial Corp. Bellingham, Wash. | 49.56 | 49.78 | 7,024 | 7,367 | -4.7 | 1,392,178 |
60 | New Frontier Bancorp Greeley, Colo. | 49.61 | 36.76 | 7,473 | 5,222 | 43.1 | 2,025,825 |
61 | National Bankshares Inc. Blacksburg, Va. | 49.63 | 48.24 | 5,432 | 5,200 | 4.5 | 911,721 |
62 | American National Corp. Omaha | 50.22 | 47.82 | 10,502 | 9,458 | 11.0 | 1,678,282 |
Parkway Bancorp Inc. Harwood Heights, Ill. | 50.22 | 50.03 | 8,184 | 8,162 | 0.3 | 2,229,502 | |
64 | First National Community Bancorp Inc. Dunmore, Pa. | 50.46 | 47.96 | 6,149 | 5,643 | 9.0 | 1,286,761 |
65 | Cashmere Valley Financial Corp. Cashmere, Wash. | 50.47 | 51.39 | 4,830 | 4,371 | 10.5 | 916,792 |
66 | JPMorgan Chase & Co. New York | 50.48 | 53.92 | 8,888,000 | 10,655,000 | -16.6 | 1,642,862,000 |
67 | Hanmi Financial Corp. Los Angeles | 50.65 | 40.65 | 22,628 | 20,033 | 13.0 | 3,936,375 |
68 | Lakeland Financial Corp. Warsaw, Ind. | 50.82 | 56.37 | 11,288 | 10,124 | 11.5 | 2,205,222 |
69 | Alpine Banks of Colorado Glenwood Springs, Colo. | 50.86 | 51.08 | 18,819 | 16,223 | 16.0 | 2,445,906 |
70 | Park National Corp. Newark, Ohio | 50.95 | 53.99 | 43,277 | 39,309 | 10.1 | 6,781,365 |
71 | Virginia Commerce Bancorp Inc. Arlington | 51.16 | 48.04 | 10,792 | 9,489 | 13.7 | 2,501,358 |
72 | Smithtown Bancorp Inc. Hauppauge, N.Y. | 51.48 | 53.40 | 6,972 | 6,645 | 4.9 | 1,282,744 |
73 | FSB Mutual Holdings Inc. Perkasie, Pa. | 51.49 | 51.52 | 3,547 | 3,288 | 7.9 | 1,077,136 |
74 | UCBH Holdings Inc. San Francisco | 51.58 | 48.53 | 49,023 | 42,397 | 15.6 | 12,743,124 |
75 | First Financial Bankshares Inc. Abilene, Tex. | 51.61 | 53.66 | 22,660 | 21,115 | 7.3 | 3,061,936 |
76 | Berkshire Bancorp Inc. New York | 51.64 | 65.39 | 3,910 | 3,453 | 13.20 | 1,061,360 |
77 | FirstBank Holding Co. Lakewood, Colo. | 51.67 | 55.80 | 61,094 | 49,522 | 23.4 | 9,017,658 |
78 | BB&T Corp. Winston-Salem, N.C. | 51.68 | 52.98 | 935,930 | 886,848 | 5.5 | 136,417,064 |
79 | Home Bancshares Inc. Conway, Ark. | 51.74 | 62.52 | 18,536 | 14,741 | 25.7 | 2,571,145 |
80 | Stockman Financial Corp. Miles City, Mont. | 51.79 | 52.13 | 8,923 | 7,831 | 13.9 | 1,494,558 |
81 | American State Financial Corp. Lubbock, Tex. | 51.82 | 55.01 | 14,048 | 12,892 | 9.0 | 2,097,401 |
82 | M&T Bank Corp. Buffalo | 51.93 | 54.13 | 403,745 | 384,537 | 5.0 | 66,085,573 |
83 | Bank of America Corp. Charlotte | 52.01 | 48.09 | 9,266,527 | 9,132,478 | 1.5 | 1,743,478,291 |
84 | Tennessee Commerce Bancorp Inc. Franklin | 52.07 | 40.81 | 4,144 | 2,615 | 58.5 | 964,435 |
85 | CVB Financial Corp. Ontario, Calif. | 52.11 | 52.98 | 31,024 | 28,578 | 8.6 | 6,375,092 |
86 | Wells Fargo & Co. San Francisco | 52.22 | 57.87 | 5,441,000 | 5,503,000 | -1.1 | 595,221,000 |
87 | Associated Banc-Corp Green Bay, Wis. | 52.25 | 51.15 | 136,206 | 128,137 | 6.3 | 21,911,667 |
88 | Citizens Financial Group Inc. Providence, R.I. | 52.27 | 51.67 | 798,695 | 800,137 | -0.2 | 161,759,026 |
89 | Villages Bancorp. Inc. The Villages, Fla. | 52.32 | 52.07 | 5,520 | 4,951 | 11.5 | 1,066,325 |
90 | Glacier Bancorp Inc. Kalispell, Mont. | 52.41 | 55.00 | 35,401 | 34,856 | 1.6 | 4,834,872 |
91 | Bank of Hawaii Corp. Honolulu | 52.55 | 52.60 | 105,332 | 85,783 | 22.8 | 10,822,801 |
92 | Zions Bancorp. Salt Lake City | 52.56 | 56.28 | 348,390 | 348,420 | 0.0 | 53,597,715 |
93 | Porter Bancorp Inc. Louisville | 52.74 | 44.91 | 7,021 | 4,956 | 41.7 | 1,564,738 |
94 | Inwood Bancshares Inc. Dallas | 52.91 | 52.30 | 7,340 | 7,168 | 2.4 | 1,399,794 |
95 | Beverly Hills Bancorp Inc. Calabasas, Calif. | 53.00 | 42.59 | 4,225 | 3,521 | 20.0 | 1,454,607 |
96 | Hills Bancorp. Hills, Iowa | 53.18 | 55.70 | 9,152 | 8,532 | 7.3 | 1,680,023 |
97 | BBVAPR Holding Corp. San Juan, Puerto Rico | 53.37 | 55.48 | 30,099 | 29,346 | 2.6 | 6,648,678 |
98 | First BanCorp. San Juan, Puerto Rico | 53.46 | 55.08 | 82,045 | 79,183 | 3.6 | 18,149,029 |
99 | Durant Bancorp Inc. Okla. | 53.60 | 54.63 | 13,898 | 12,554 | 10.7 | 1,854,738 |
100 | Bank of Marin Bancorp Novato, Calif. | 53.63 | NA | 7,002 | NA | NA | 919,843 |
101 | SunTrust Banks Inc. Atlanta | 53.75 | 58.63 | 1,242,613 | 1,235,041 | 0.6 | 178,986,947 |
102 | First Midwest Bancorp Inc. Itasca, Ill. | 54.04 | 51.60 | 49,125 | 48,021 | 2.3 | 8,321,553 |
103 | BancWest Corp. Honolulu | 54.26 | 55.10 | 389,819 | 358,404 | 8.8 | 74,808,167 |
104 | Hudson Valley Holding Corp. Yonkers, N.Y. | 54.35 | 52.12 | 17,331 | 15,700 | 10.4 | 2,341,472 |
105 | NBT Bancorp Inc. Norwich, N.Y. | 54.49 | 55.51 | 34,110 | 30,821 | 10.7 | 5,229,771 |
106 | Camden National Corp. Maine | 54.69 | 52.78 | 12,261 | 8,565 | 43.2 | 2,298,464 |
107 | Trustmark Corp. Jackson, Miss. | 54.94 | 60.57 | 69,827 | 69,401 | 0.6 | 9,097,153 |
108 | Cascade Bancorp Bend, Ore. | 54.96 | 47.74 | 17,208 | 15,801 | 8.9 | 2,406,489 |
109 | Cascade Financial Corp. Everett, Wash. | 54.98 | 51.41 | 6,831 | 6,320 | 8.1 | 1,503,133 |
110 | National Penn Bancshares Inc. Boyertown, Pa. | 55.00 | 57.47 | 48,914 | 33,766 | 44.9 | 9,108,114 |
111 | Huntington Bancshares Inc. Columbus, Ohio | 55.12 | 59.03 | 356,848 | 241,375 | 47.8 | 55,985,225 |
112 | Centrue Financial Corp. St. Louis | 55.14 | 65.93 | 10,226 | 10,547 | -3.0 | 1,387,852 |
Paragon Commercial Corp. Raleigh | 55.14 | 52.86 | 4,035 | 3,420 | 18.0 | 1,127,317 | |
114 | Dickinson Financial Corp. II Kansas City, Mo. | 55.17 | 51.39 | 47,986 | 44,834 | 7.0 | 5,905,297 |
115 | Univest Corp. of Pennsylvania Souderton | 55.32 | 55.63 | 13,608 | 13,162 | 3.4 | 2,059,572 |
116 | First Bancorp Inc. Lebanon, Va. | 55.40 | 55.10 | 6,091 | 5,916 | 3.0 | 943,422 |
117 | ServisFirst Bancshares Inc. Birmingham, Ala. | 55.41 | NA | 4,845 | NA | NA | 960,261 |
118 | Community Bancorp Las Vegas | 55.49 | 49.24 | 11,063 | 9,420 | 17.4 | 1,723,600 |
119 | Barclays Group US Inc. Wilmington, Del. | 55.53 | 88.39 | 547,170 | 557,677 | -1.9 | 485,626,415 |
120 | American Chartered Bancorp Inc. Schaumburg, Ill. | 55.55 | 56.19 | 13,236 | 12,112 | 9.3 | 2,843,207 |
121 | Orion Bancorp Inc. Naples, Fla. | 55.63 | 44.71 | 10,812 | 10,056 | 7.5 | 2,957,827 |
122 | International Bancshares Corp. Laredo, Tex. | 55.78 | 59.27 | 70,727 | 71,730 | -1.4 | 11,016,786 |
123 | BOK Financial Corp. Tulsa | 55.89 | 57.37 | 147,714 | 127,372 | 16.0 | 21,196,896 |
124 | Community Trust Bancorp Inc. Pikeville, Ky. | 55.94 | 64.22 | 20,001 | 22,496 | -11.1 | 2,904,484 |
125 | Chinatrust Capital Corp. Torrance, Calif. | 55.95 | 50.89 | 10,313 | 12,802 | -19.4 | 2,673,155 |
126 | Green Bankshares Inc. Greeneville, Tenn. | 56.09 | 56.26 | 19,166 | 14,120 | 35.7 | 2,912,615 |
127 | Orrstown Financial Services Inc. Shippensburg, Pa. | 56.42 | 57.41 | 6,623 | 5,934 | 11.6 | 917,559 |
128 | First Financial Corp. Terre Haute, Ind. | 56.50 | 57.85 | 16,453 | 16,058 | 2.5 | 2,292,000 |
129 | BBVA USA Bancshares Inc. The Woodlands, Tex. | 56.51 | 57.04 | 439,169 | 265,328 | 65.5 | 59,953,528 |
130 | Olney Bancshares of Texas Inc. | 56.53 | 47.60 | 10,446 | 8,249 | 26.6 | 1,663,492 |
131 | Lone Star National Bancshares Pharr, Tex. | 56.56 | 57.91 | 10,006 | 9,595 | 4.3 | 1,660,336 |
132 | Pacific Continental Corp. Eugene, Ore. | 56.70 | 56.42 | 7,157 | 6,354 | 12.6 | 998,926 |
133 | PNC Financial Services Group Inc. Pittsburgh | 56.78 | 59.50 | 1,037,827 | 1,035,644 | 0.2 | 140,026,464 |
134 | Pinnacle Bancorp Inc. Central City, Neb. | 56.88 | 58.63 | 33,147 | 29,974 | 10.6 | 4,689,757 |
135 | RCB Holding Co. Inc. Claremore, Okla. | 56.96 | 62.37 | 8,414 | 7,915 | 6.3 | 1,209,766 |
136 | First Chicago Bancorp Itasca, Ill. | 57.04 | 55.04 | 5,137 | 4,410 | 16.5 | 1,174,990 |
137 | Sinopac Bancorp Los Angeles | 57.05 | 54.67 | 10,468 | 10,344 | 1.2 | 2,013,136 |
138 | Fulton Financial Corp. Lancaster, Pa. | 57.10 | 60.98 | 96,660 | 100,905 | -4.2 | 16,052,867 |
139 | Whitney Holding Corp. New Orleans | 57.12 | 59.49 | 83,940 | 86,461 | -2.9 | 10,787,077 |
140 | Arrow Financial Corp. Glens Falls, N.Y. | 57.18 | 58.11 | 10,181 | 9,365 | 8.7 | 1,628,592 |
141 | Banorte USA Corp. New York | 57.29 | 51.83 | 13,115 | 10,382 | 26.3 | 1,905,718 |
W.T.B. Financial Corp. Spokane | 57.29 | 54.60 | 25,732 | 24,154 | 6.5 | 3,827,028 | |
143 | Cullen/Frost Bankers Inc. San Antonio | 57.30 | 60.06 | 118,847 | 120,280 | -1.2 | 13,899,837 |
144 | Commerce Bank and Trust Holding Co. Topeka, Kan. | 57.36 | 64.89 | 8,579 | 7,875 | 8.9 | 1,263,237 |
145 | Wilson Bank Holding Co. Lebanon, Tenn. | 57.37 | 59.28 | 8,381 | 7,702 | 8.8 | 1,411,166 |
146 | Valley National Bancorp Wayne, N.J. | 57.67 | 44.87 | 70,107 | 64,215 | 9.2 | 12,961,211 |
147 | Liberty Financial Group Inc. Eugene, Ore. | 57.77 | 53.72 | 6,720 | 6,359 | 5.7 | 959,514 |
148 | Popular Inc. Hato Rey, Puerto Rico | 57.79 | 68.01 | 373,000 | 375,000 | -0.5 | 41,822,000 |
149 | Intrust Financial Corp. Wichita | 57.85 | 55.85 | 27,547 | 25,804 | 6.8 | 3,574,985 |
150 | Macon Bancorp Franklin, N.C. | 57.94 | 52.63 | 5,482 | 5,420 | 1.1 | 1,071,788 |
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, Charlottesville, Va.
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