Most Efficient Bank Holding Companies
May 12, 2009, 10:08 a.m. EDT 1 Min Read
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Most Efficient Bank Holding Companies
Most Efficient Bank Holding CompaniesAmong the largest 500 in the fourth quarter of 2008. Dollars in thousands. | |||||||
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Rank | | | 4Q 2008 assets | ||||
| | | | | |||
1 | Broadway Bancorp Inc. Chicago | 20.82% | 11.17% | $10,807 | $6,948 | 55.5% | $1,198,828 |
2 | NRBC Holding Corp. Chicago | 29.07 | NA | 9,935 | NA | NA | 1,059,194 |
3 | Bank of Highland Park Financial Corp. Ill. | 39.08 | 43.74 | 11,649 | 10,491 | 11.0 | 1,365,776 |
4 | Westamerica Bancorp. San Rafael, Calif. | 39.52 | 40.24 | 102,999 | 101,428 | 1.5 | 4,044,273 |
5 | Oriental Financial Group Inc. San Juan, Puerto Rico | 40.10 | 44.78 | 72,741 | 66,858 | 8.8 | 6,198,098 |
6 | Stearns Financial Services Inc. St. Cloud, Minn. | 40.91 | 33.99 | 29,019 | 35,917 | -19.2 | 1,101,025 |
7 | Hillcrest Bancshares Inc. Overland Park, Kan. | 40.94 | 27.89 | 27,972 | 21,989 | 27.2 | 1,935,040 |
8 | Bank of the Ozarks Inc. Little Rock | 41.06 | 46.31 | 54,398 | 48,252 | 12.7 | 3,233,303 |
9 | Cathay General Bancorp El Monte, Calif. | 41.17 | 36.25 | 138,565 | 129,300 | 7.2 | 11,582,639 |
10 | Parkway Bancorp Inc. Harwood Heights, Ill. | 42.23 | 48.29 | 32,137 | 32,724 | -1.8 | 2,614,872 |
Ida Grove Bancshares Inc. Iowa | 42.23 | 40.22 | 18,271 | 15,239 | 19.9 | 1,078,764 | |
12 | Prosperity Bancshares Inc. Houston | 42.27 | 40.03 | 129,151 | 116,369 | 11.0 | 9,081,436 |
13 | SBC Inc. Countryside, Ill. | 43.26 | 33.88 | 16,358 | 17,352 | -5.7 | 986,864 |
14 | Frontier Financial Corp. Everett, Wash. | 43.76 | 37.94 | 157,843 | 76,778 | 105.6 | 4,104,296 |
15 | Wilshire Bancorp Inc. Los Angeles | 43.98 | 42.02 | 47,506 | 45,846 | 3.6 | 2,450,006 |
16 | Intervest Bancshares Corp. New York | 44.01 | 25.27 | 18,873 | 12,875 | 46.6 | 2,271,833 |
17 | West Bancorp. Inc. West Des Moines | 44.04 | 42.61 | 26,956 | 24,732 | 9.0 | 1,553,188 |
18 | S&T Bancorp Inc. Indiana, Pa. | 44.15 | 46.31 | 84,431 | 73,413 | 15.0 | 4,438,368 |
19 | Lakeside Bancorp Inc. Chicago | 44.27 | 47.35 | 15,466 | 16,767 | -7.8 | 995,448 |
20 | U.S. Bancorp Minneapolis | 44.58 | 45.98 | 7,326,000 | 6,774,000 | 8.1 | 267,032,000 |
21 | Tennessee Commerce Bancorp Inc. Franklin | 45.38 | 44.03 | 17,608 | 13,263 | 32.8 | 1,218,084 |
22 | Farmers and Merchants Bancorp Lodi, Calif. | 45.50 | 50.27 | 37,959 | 41,961 | -9.5 | 1,685,216 |
23 | United National Corp. Sioux Falls, S.D. | 45.94 | 43.40 | 380,995 | 389,965 | -2.3 | 1,540,915 |
24 | City Holding Co. Charleston, W.Va. | 45.96 | 45.82 | 74,954 | 71,113 | 5.4 | 2,582,406 |
25 | First Bancorp Inc. Damariscotta, Maine | 46.26 | 49.65 | 22,899 | 22,167 | 3.3 | 1,325,744 |
26 | East West Bancorp Inc. Pasadena, Calif. | 47.35 | 39.22 | 194,309 | 184,276 | 5.4 | 12,423,491 |
27 | San Joaquin Bancorp Bakersfield, Calif. | 47.41 | 47.28 | 17,484 | 16,222 | 7.8 | 936,008 |
28 | Amarillo National Bancorp Inc. Tex. | 47.47 | 52.55 | 63,601 | 62,723 | 1.4 | 2,715,857 |
29 | Apple Financial Holdings Inc. New York | 47.61 | 34.51 | 74,851 | 72,998 | 2.5 | 6,866,518 |
30 | HSBC North America Holdings Inc. Mettawa, Ill. | 48.39 | 52.16 | 10,787,974 | 16,654,446 | -35.2 | 434,715,911 |
31 | Sierra Bancorp Porterville, Calif. | 48.60 | 49.54 | 35,611 | 35,568 | 0.1 | 1,326,292 |
32 | United Bankshares Inc. Charleston, W.Va. | 48.72 | 50.00 | 170,835 | 157,489 | 8.5 | 8,102,091 |
33 | CVB Financial Corp. Ontario, Calif. | 49.20 | 53.12 | 127,031 | 116,197 | 9.3 | 6,654,354 |
34 | Porter Bancorp Inc. Louisville | 49.22 | 45.90 | 27,494 | 22,070 | 24.6 | 1,647,857 |
35 | FirstBank Holding Co. Lakewood, Colo. | 49.23 | 54.61 | 237,554 | 203,960 | 16.5 | 9,278,304 |
36 | Glacier Bancorp Inc. Kalispell, Mont. | 49.43 | 52.66 | 144,954 | 137,063 | 5.8 | 5,553,970 |
37 | Cashmere Valley Financial Corp. Wash. | 49.50 | 51.86 | 20,965 | 18,799 | 11.5 | 1,001,172 |
38 | New York Private Bank and Trust Corp. | 49.63 | 55.25 | 223,808 | 214,204 | 4.5 | 14,744,507 |
39 | Beverly Hills Bancorp Inc. Calabasas, Calif. | 49.75 | 44.24 | 13,988 | 17,570 | -20.4 | 1,496,481 |
40 | Hanmi Financial Corp. Los Angeles | 49.92 | 42.62 | 193,918 | 187,358 | 3.5 | 3,875,824 |
41 | PacWest Bancorp San Diego | 50.04 | 44.53 | 901,672 | 142,382 | 533.3 | 4,497,183 |
42 | Virginia Commerce Bancorp Inc. Arlington | 50.05 | 47.58 | 44,776 | 39,695 | 12.8 | 2,715,922 |
43 | Great Southern Bancorp Inc. Springfield, Mo. | 50.16 | 49.35 | 54,998 | 52,274 | 5.2 | 2,660,746 |
44 | Villages Bancorp. Inc. The Villages, Fla. | 50.17 | 58.13 | 20,671 | 22,061 | -6.3 | 1,024,726 |
45 | First Financial Bankshares Inc. Abilene, Tex. | 50.18 | 51.97 | 91,587 | 86,826 | 5.5 | 3,212,385 |
46 | Inwood Bancshares Inc. Dallas | 50.37 | 48.45 | 27,688 | 27,867 | -0.6 | 1,367,841 |
47 | Suffolk Bancorp Riverhead, N.Y. | 50.72 | 52.16 | 42,701 | 40,385 | 5.7 | 1,582,818 |
48 | First BanCorp. San Juan, Puerto Rico | 50.97 | 56.81 | 323,740 | 308,005 | 5.1 | 19,491,268 |
49 | Valley View Bancshares Inc. Overland Park, Kan. | 51.15 | 42.13 | 66,992 | 63,459 | 5.6 | 3,024,688 |
50 | First National Community Bancorp Inc. Dunmore, Pa. | 51.16 | 49.46 | 25,717 | 23,835 | 7.9 | 1,313,759 |
51 | First Citizens Financial Corp. Mason City, Iowa | 51.19 | 56.57 | 19,197 | 19,643 | -2.3 | 991,406 |
52 | Bank of America Corp. Charlotte | 51.20 | 52.89 | 41,427,424 | 37,203,152 | 11.4 | 1,822,068,028 |
53 | Park National Corp. Newark, Ohio | 51.42 | 53.96 | 234,501 | 224,164 | 4.6 | 7,070,720 |
54 | Camden National Corp. Maine | 51.43 | 51.37 | 46,816 | 33,686 | 39.0 | 2,341,496 |
55 | BB&T Corp. Winston-Salem, N.C. | 51.51 | 52.51 | 3,901,830 | 3,634,605 | 7.4 | 152,015,025 |
56 | NEB Corp. Fond Du Lac, Wis. | 51.59 | 48.84 | 34,185 | 32,703 | 4.5 | 1,366,504 |
57 | Umpqua Holdings Corp. Portland, Ore. | 51.63 | 58.95 | 208,976 | 214,591 | -2.6 | 8,605,203 |
58 | Associated Banc-Corp Green Bay, Wis. | 51.69 | 52.35 | 552,828 | 534,297 | 3.5 | 24,198,697 |
59 | National Americas Holdings LLC New York | 51.77 | NA | 58,415 | NA | NA | 4,423,292 |
60 | Nara Bancorp Inc. Los Angeles | 51.78 | 46.59 | 59,424 | 56,449 | 5.3 | 2,672,054 |
61 | Capital One Financial Corp. McLean, Va. | 51.83 | 53.77 | 8,195,333 | 7,954,718 | 3.0 | 165,913,451 |
62 | Cascade Financial Corp. Everett, Wash. | 51.85 | 51.72 | 28,114 | 26,269 | 7.0 | 1,637,319 |
63 | American National Corp. Omaha | 52.02 | 48.88 | 43,207 | 40,248 | 7.4 | 1,780,182 |
64 | Smithtown Bancorp Inc. Hauppauge, N.Y. | 52.07 | 52.46 | 31,950 | 26,954 | 18.5 | 1,865,390 |
65 | Commonwealth Bankshares Inc. Norfolk | 52.36 | 51.71 | 20,110 | 20,132 | -0.1 | 1,085,294 |
66 | American State Financial Corp. Lubbock | 52.43 | 54.83 | 59,911 | 55,833 | 7.3 | 2,203,424 |
67 | Summit Financial Group Inc. Moorefield, W.Va. | 52.48 | 74.19 | 29,433 | 36,354 | -19.0 | 1,627,063 |
68 | Hudson Valley Holding Corp. Yonkers, N.Y. | 52.55 | 52.71 | 72,066 | 66,508 | 8.4 | 2,542,638 |
69 | First Midwest Bancorp Inc. Itasca, Ill. | 52.73 | 52.11 | 192,347 | 197,450 | -2.6 | 8,530,940 |
70 | M&T Bank Corp. Buffalo | 52.92 | 52.28 | 1,626,550 | 1,565,955 | 3.9 | 65,815,757 |
71 | Bank of Marin Bancorp Novato, Calif. | 53.01 | 56.92 | 28,663 | 27,674 | 3.6 | 1,049,557 |
72 | FSB Mutual Holdings Inc. Perkasie, Pa. | 53.13 | 49.24 | 14,992 | 13,292 | 12.8 | 1,069,546 |
73 | Citizens Financial Group Inc. Providence, R.I. | 53.49 | 48.65 | 4,951,034 | 3,167,018 | 56.3 | 160,444,183 |
74 | Doral GP Ltd. San Juan, Puerto Rico | 53.52 | 232.24 | 208,095 | 147,181 | 41.4 | 10,355,717 |
75 | National Penn Bancshares Inc. Boyertown, Pa. | 53.54 | 55.83 | 216,531 | 138,773 | 56.0 | 9,395,588 |
76 | Lakeland Financial Corp. Warsaw, Ind. | 53.76 | 55.73 | 47,457 | 42,244 | 12.3 | 2,378,017 |
77 | UCBH Holdings Inc. San Francisco | 53.86 | 46.48 | 214,485 | 175,753 | 22.0 | 13,526,809 |
78 | Dickinson Financial Corp. II Kansas City, Mo. | 53.95 | 51.37 | 185,586 | 187,420 | -1.0 | 6,095,996 |
79 | ServisFirst Bancshares Inc. Birmingham, Ala. | 54.03 | 54.06 | 20,576 | 14,798 | 39.0 | 1,162,272 |
80 | Hills Bancorp. Iowa | 54.07 | 55.49 | 39,102 | 35,827 | 9.1 | 1,780,793 |
81 | Bank of Hawaii Corp. Honolulu | 54.33 | 53.72 | 393,557 | 348,189 | 13.0 | 10,763,475 |
82 | Wells Fargo & Co. San Francisco | 54.34 | 57.56 | 23,085,000 | 22,758,000 | 1.4 | 1,309,639,000 |
83 | BancWest Corp. San Francisco | 54.39 | 55.06 | 1,579,326 | 1,468,834 | 7.5 | 79,858,266 |
84 | First Chicago Bancorp Itasca, Ill. | 54.43 | 53.85 | 59,532 | 19,846 | 200.0 | 1,300,147 |
85 | Valley National Bancorp Wayne, N.J. | 54.52 | 49.26 | 285,248 | 251,164 | 13.6 | 14,718,129 |
86 | Arrow Financial Corp. Glens Falls, N.Y. | 54.65 | 57.31 | 42,398 | 37,940 | 11.8 | 1,665,086 |
87 | Fifth Third Bancorp Cincinnati | 54.91 | 59.69 | 4,564,269 | 3,310,403 | 37.9 | 119,763,812 |
88 | Lakeland Bancorp Inc. Oak Ridge, N.J. | 54.93 | 60.06 | 60,070 | 58,190 | 3.2 | 2,643,062 |
89 | First Regional Bancorp Century City, Calif. | 55.05 | 50.08 | 58,351 | 58,319 | 0.1 | 2,463,196 |
90 | NBT Bancorp Inc. Norwich, N.Y. | 55.15 | 53.01 | 147,198 | 123,502 | 19.2 | 5,336,088 |
91 | CM Florida Holdings Inc. Coral Gables | 55.17 | NA | 12,218 | NA | NA | 4,343,645 |
92 | Southside Bancshares Inc. Tyler, Tex. | 55.19 | 64.92 | 60,178 | 47,274 | 27.3 | 2,700,238 |
93 | Pacific Continental Corp. Eugene, Ore. | 55.20 | 53.43 | 29,541 | 25,841 | 14.3 | 1,092,095 |
94 | Trustmark Corp. Jackson, Miss. | 55.29 | 57.46 | 283,299 | 276,426 | 2.5 | 9,790,909 |
95 | Marshall & Ilsley Corp. Milwaukee | 55.31 | 55.15 | 2,927,076 | 1,311,002 | 123.3 | 62,517,618 |
Cascade Bancorp Bend, Ore. | 55.31 | 46.81 | 62,885 | 62,510 | 0.6 | 2,376,631 | |
97 | First Financial Corp. Terre Haute, Ind. | 55.38 | 57.10 | 66,478 | 64,650 | 2.8 | 2,304,922 |
98 | Crews Banking Corp. Wauchula, Fla. | 55.46 | 54.51 | 31,366 | 30,490 | 2.9 | 1,137,461 |
99 | WNB Bancshares Inc. Odessa, Tex. | 55.64 | 51.65 | 23,352 | 19,843 | 17.7 | 953,243 |
100 | SVB Financial Group Santa Clara, Calif. | 55.66 | 56.70 | 300,946 | 339,065 | -11.2 | 9,751,359 |
101 | Huntington Bancshares Inc. Columbus, Ohio | 55.68 | 62.86 | 1,436,177 | 1,314,822 | 9.2 | 54,355,998 |
102 | American Chartered Bancorp Inc. Schaumburg, Ill. | 55.82 | 53.42 | 54,494 | 48,594 | 12.1 | 3,162,917 |
103 | Peoples Bancorp Inc. Marietta, Ohio | 55.84 | 57.02 | 53,485 | 51,452 | 4.0 | 2,002,818 |
104 | BBVA PR Holding Corp. San Juan, Puerto Rico | 55.87 | 58.11 | 128,619 | 123,737 | 3.9 | 6,037,142 |
105 | Amboy Bancorp. Old Bridge, N.J. | 55.92 | 27.13 | 35,323 | 30,270 | 16.7 | 2,629,739 |
106 | First Bank Corp Fort Smith, Ark. | 56.12 | 50.55 | 43,106 | 41,147 | 4.8 | 1,423,929 |
107 | Olney Bancshares of Texas Inc. | 56.30 | 47.72 | 42,214 | 33,985 | 24.2 | 1,603,940 |
108 | Fulton Financial Corp. Lancaster, Pa. | 56.31 | 61.02 | 496,625 | 405,455 | 22.5 | 16,185,106 |
109 | First Bancorp Inc. Lebanon, Va. | 56.33 | 54.38 | 25,100 | 23,783 | 5.5 | 998,736 |
110 | Orrstown Financial Services Inc. Shippensburg, Pa. | 56.35 | 55.93 | 27,880 | 24,848 | 12.2 | 1,051,783 |
111 | Citizens and Northern Corp. Wellsboro, Pa. | 56.45 | 67.37 | 33,446 | 33,137 | 0.9 | 1,281,637 |
112 | Republic Bancorp Inc. Louisville | 56.52 | 65.86 | 107,486 | 87,256 | 23.2 | 3,939,368 |
113 | Cullen/Frost Bankers Inc. San Antonio | 56.59 | 56.23 | 481,282 | 457,073 | 5.3 | 15,131,905 |
114 | Bremer Financial Corp. St. Paul | 56.86 | 59.51 | 212,838 | 198,294 | 7.3 | 7,719,803 |
115 | Broadway Bancshares Inc. San Antonio | 56.89 | 58.04 | 67,459 | 61,965 | 8.9 | 1,887,546 |
116 | International Bancshares Corp. Laredo, Tex. | 56.90 | 59.45 | 301,157 | 299,412 | 0.6 | 12,439,341 |
117 | First of Long Island Corp. Glen Head, N.Y. | 56.92 | 59.72 | 29,689 | 27,384 | 8.4 | 1,261,609 |
118 | S.Y. Bancorp Inc. Louisville | 56.93 | 55.71 | 49,437 | 47,889 | 3.2 | 1,628,763 |
119 | Wilson Bank Holding Co. Lebanon, Tenn. | 57.10 | 58.78 | 34,507 | 31,792 | 8.5 | 1,397,342 |
120 | Paragon Commercial Corp. Raleigh | 57.20 | 55.38 | 16,096 | 15,752 | 2.2 | 1,238,125 |
121 | Chemical Financial Corp. Midland, Mich. | 57.23 | 58.73 | 108,549 | 105,298 | 3.1 | 3,874,313 |
122 | Pinnacle Bancorp Inc. Central City, Neb. | 57.29 | 58.44 | 138,796 | 128,210 | 8.3 | 5,162,792 |
123 | Zions Bancorp. Salt Lake City | 57.38 | 55.10 | 1,811,963 | 1,412,127 | 28.3 | 55,339,951 |
124 | Investors Bancorp Short Hills, N.J. | 57.39 | 78.82 | 83,804 | 74,985 | 11.8 | 7,186,399 |
First United Corp. Oakland, Md. | 57.39 | 61.41 | 40,576 | 38,475 | 5.5 | 1,635,408 | |
126 | Lone Star National Bancshares-Texas Inc. Pharr | 57.40 | 53.28 | 40,107 | 39,080 | 2.6 | 1,776,994 |
127 | First Bancorp Troy, N.C. | 57.44 | 58.46 | 62,615 | 57,528 | 8.8 | 2,755,977 |
128 | Hyde Park Bancorp Mass. | 57.53 | NA | 12,044 | NA | NA | 965,907 |
129 | First Interstate BancSystem Inc. Billings, Mont. | 57.65 | 59.49 | 205,480 | 172,529 | 19.1 | 6,627,161 |
130 | Bar Harbor Bankshares Maine | 57.84 | 60.45 | 20,514 | 18,201 | 12.7 | 972,288 |
131 | Durant Bancorp Inc. Okla. | 57.87 | 54.55 | 59,279 | 51,981 | 14.0 | 2,041,274 |
132 | Community Trust Bancorp Inc. Pikeville, Ky. | 57.95 | 57.18 | 82,532 | 83,055 | -0.6 | 2,954,531 |
133 | Banorte USA Corp. New York | 57.97 | 54.57 | 56,725 | 47,453 | 19.5 | 1,994,607 |
134 | W.T.B. Financial Corp. Spokane | 58.14 | 54.98 | 102,656 | 100,598 | 2.0 | 4,088,909 |
TriCo Bancshares Chico, Calif. | 58.14 | 59.43 | 68,738 | 68,904 | -0.2 | 2,043,190 | |
136 | MainSource Financial Group Inc. Greensburg, Ind. | 58.21 | 61.91 | 73,999 | 68,020 | 8.8 | 2,899,835 |
137 | PNC Financial Services Group Inc. Pittsburgh | 58.22 | 62.50 | 4,417,457 | 4,296,106 | 2.8 | 291,092,876 |
138 | BBVA USA Bancshares Inc. Houston | 58.53 | 56.56 | 2,472,154 | 833,663 | 196.5 | 62,305,413 |
Central Bancompany Inc. Jefferson City, Mo. | 58.53 | 61.68 | 280,873 | 253,071 | 11.0 | 8,962,338 | |
140 | Univest Corp. of Pennsylvania Souderton | 58.56 | 55.82 | 57,225 | 52,211 | 9.6 | 2,084,797 |
141 | First Bancshares Inc. Merrillville, Ind. | 58.68 | 60.20 | 57,363 | 53,540 | 7.1 | 1,968,570 |
142 | FirstMerit Corp. Akron | 58.69 | 61.12 | 330,655 | 330,262 | 0.1 | 11,101,201 |
143 | Bank of Kentucky Financial Corp. Crestview Hills | 58.81 | 63.16 | 34,223 | 33,719 | 1.5 | 1,255,382 |
144 | Macon Bancorp Franklin, N.C. | 58.82 | 53.79 | 21,362 | 21,563 | -0.9 | 1,115,950 |
145 | BOK Financial Corp. Tulsa | 58.91 | 58.58 | 610,883 | 563,199 | 8.5 | 22,840,287 |
146 | Sandy Spring Bancorp Inc. Olney, Md. | 58.95 | 61.92 | 102,089 | 99,787 | 2.3 | 3,313,638 |
147 | Barnes Bancorp. Kaysville, Utah | 58.97 | 38.80 | 20,715 | 21,377 | -3.1 | 971,173 |
148 | RCB Holding Co. Inc. Claremore, Okla. | 59.02 | 61.13 | 34,408 | 32,317 | 6.5 | 1,297,893 |
149 | Columbia Banking System Inc. Tacoma | 59.06 | 62.66 | 94,419 | 91,153 | 3.6 | 3,097,250 |
150 | Centrue Financial Corp. St. Louis | 59.09 | 62.06 | 35,409 | 37,303 | -5.1 | 1,400,711 |
Note: Only top-tier bank holding companies that file a Y-9C reports 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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