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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

October 14, 2011, 5:57 p.m. EDT 1 Min Read
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Most Efficient Bank Holding Companies

Most Efficient Bank Holding CompaniesOn June 30, 2011. Dollars in thousands.
Published October 14, 2011
Rank   Efficiency Ratio* Noninterest Expenses 2Q 2011
Assets
2011 2010 2011 2010 Change
1 Briscoe Ranch Inc. Uvalde, Texas 9.32 23.47 $9,355 $13,433 -30.4% $851,330
2 Berkshire Bancorp Inc New York 15.36 66.74 8,719 10,130 -13.9 890,977
3 NRBC Holding Corp. Chicago 29.96 21.51 9,254 5,759 60.7 1,252,093
4 Parke Bancorp Inc. Swell, N.J. 32.96 31.52 6,458 4,977 29.8 745,525
5 SBT Bancshares Inc. Dallas 33.66 23.87 4,916 3,422 43.7 605,003
6 Republic Bancorp Inc. Louisville, Ky. 33.68 42.76 71,344 75,784 -5.9 3,104,570
7 Chinatrust Capital Corp. Torrance, Calif. 34.18 253.20 20,907 58,814 -64.5 1,603,902
8 Discover Financial Services Riverwoods, Ill. 36.68 30.87 1,269,226 1,029,625 23.3 64,304,907
9 United National Corp. Sioux Falls, S.D. 38.81 36.16 132,834 156,393 -15.1 1,859,486
10 Industry Bancshares Inc. Industry, Texas 39.25 45.38 14,609 11,968 22.1 1,664,071
11 Clayton Bancorp Inc. Knoxville, Tenn. 39.83 42.02 8,924 8,538 4.5 956,307
12 JJR Holding Co. Inc. Brick, N.J. 41.10 44.59 6,591 7,156 -7.9 534,269
13 Villages Bancorp. Inc. The Villages, Fla. 41.86 50.05 10,308 10,439 -1.3 1,289,307
14 First Security Bancorp Searcy, Ark. 42.20 49.61 60,240 58,947 2.2 3,924,665
15 New York Community Bancorp Inc. Westbury 42.29 38.86 300,796 277,531 8.4 40,612,271
16 Capitol Bancorp. Inc. Britton, S.D. 42.49 36.97 14,239 14,073 1.2 671,939
17 Prosperity Bancshares Inc. Houston 43.44 44.38 83,549 82,418 1.4 9,660,731
18 Charter Bankshares Inc. Eau Claire, Wis. 43.82 44.81 7,562 7,249 4.3 726,851
19 Lauritzen Corp. Omaha, Neb. 43.92 74.43 36,182 33,199 9.0 1,579,675
20 First Paragould Bankshares Inc. Ark. 44.82 44.89 7,245 6,915 4.8 670,852
21 Investors Bancorp MHC Millburn, N.J. 44.90 45.23 77,441 61,075 26.8 10,188,777
22 Manhattan Banking Corp. Kan. 44.96 46.31 7,534 6,924 8.8 732,718
23 First Bemidji Holding Co. Minn. 45.06 NA 5,145 0 NA 530,669
24 Stearns Financial Services Inc. St. Cloud, Minn. 45.11 55.23 19,676 23,618 -16.7 1,344,844
25 Blackhawk Bancorp. Inc. Milan, Ill. 45.29 50.13 8,269 9,100 -9.1 875,187
26 Mid State Banks Inc. Hawkinsville, Ga. 45.45 96.03 5,815 6,486 -10.3 299,813
27 National Bankshares Inc. Blacksburg, Va. 45.51 45.82 11,881 11,442 3.8 1,034,857
28 Waupaca Bancorp. Inc. Wis. 45.67 45.07 7,846 7,298 7.5 763,863
29 County Bancorp Inc. Manitowoc, Wis. 46.01 45.99 6,183 5,188 19.2 677,702
30 Barclays Delaware Holdings LLC Wilmington 46.18 NA 323,646 0 NA 14,641,992
31 Heritage Group Inc. Wood River, Neb. 46.29 NA 4,873 0 NA 556,497
32 East West Bancorp Inc. Pasadena, Calif. 46.89 59.75 203,866 288,686 -29.4 21,872,774
33 Ames National Corp. Iowa 46.98 47.85 9,294 9,147 1.6 1,000,556
34 Ida Grove Bancshares Inc. Iowa 47.10 46.55 10,608 10,351 2.5 1,135,908
35 American State Financial Corp. Lubbock, Texas 47.27 47.05 34,916 32,661 6.9 2,768,748
36 Westamerica Bancorp. San Rafael, Calif. 47.45 45.16 67,217 65,977 1.9 4,871,896
37 Nara Bancorp Inc. Los Angeles 47.57 51.40 33,402 29,987 11.4 2,967,288
38 ServisFirst Bancshares Inc. Birmingham, Ala. 47.61 45.73 17,966 14,993 19.8 2,026,262
39 Northern Bancorp Inc. Woburn, Mass. 47.79 58.36 7,883 8,045 -2.0 693,320
Parkway Bancorp Inc. Harwood Heights, Ill. 47.79 58.83 22,713 19,632 15.7 2,358,418
41 Intervest Bancshares Corp. New York 47.86 88.65 11,009 22,637 -51.4 2,050,379
42 The Bank of Southside Virginia Corp. Carson 47.93 46.01 7,168 6,803 5.4 564,910
43 West Bancorp. Inc. West Des Moines, Iowa 48.07 50.72 12,757 13,428 -5.0 1,261,136
44 Lakeland Financial Corp. Warsaw, Ind. 48.19 46.18 28,133 26,464 6.3 2,734,824
45 Liberty Bancshares Inc. Springfield, Mo. 48.36 52.42 13,353 12,996 2.7 1,074,140
46 First Bancorp Inc. Damariscotta, Maine 48.39 47.68 12,693 12,195 4.1 1,417,690
47 FirstBank Holding Co. Lakewood, Colo. 48.59 47.54 134,180 129,396 3.7 11,102,719
48 Ambank Co. Inc. Sioux Center, Iowa 48.66 51.01 8,773 8,524 2.9 756,967
49 First Illinois Bancorp Inc. East St. Louis 48.77 45.82 6,126 6,155 -0.5 550,497
50 Lakeside Bancorp Inc. Chicago 48.89 43.30 10,218 9,368 9.1 1,087,269
51 First Financial Bankshares Inc. Abilene, Texas 48.98 49.81 52,047 47,289 10.1 3,841,015
52 Hills Bancorp. Iowa 49.00 51.69 21,575 22,459 -3.9 1,941,130
53 Wilshire Bancorp Inc. Los Angeles 49.17 45.27 32,105 31,020 3.5 2,681,246
54 Southern Missouri Bancorp Inc. Poplar Bluff 49.52 NA 8,071 0 NA 688,200
55 Hometown Banc Corp Grand Island, Neb. 49.58 49.78 8,876 8,018 10.7 812,445
56 Gulfstream Bancshares Inc. Stuart, Fla. 49.90 51.79 5,590 5,874 -4.8 564,770
57 First Breckinridge Bancshares Inc. Irvington, Ky. 49.96 52.75 10,569 9,826 7.6 667,435
58 Traditional Bancorp. Inc. Mount Sterling, Ky. 50.08 52.59 11,071 9,841 12.5 1,058,492
59 Peoples Financial Services Corp. Hallstead, Pa. 50.16 NA 7,618 0 NA 586,580
60 WestStar Bank Holding Co. Inc. El Paso, Texas 50.29 55.20 11,978 12,125 -1.2 924,935
61 Farmers and Merchants Bancorp Lodi, Calif. 50.30 47.17 21,890 20,857 5.0 1,847,695
62 Southern National Bancorp of Virginia Inc. McLean 50.38 NA 6,947 0 NA 601,407
63 Citizens Financial Services Inc. Mansfield, Pa. 50.45 49.51 9,216 8,684 6.1 852,982
Sunwest Bancorp Inc. Tustin, Calif. 50.45 NA 14,093 0 NA 603,550
65 First Financial Bancorp. Cincinnati 50.48 65.74 110,287 121,510 -9.2 6,041,607
66 Herky Hawk Financial Corp. Monticello, Iowa 50.52 50.82 3,284 5,361 -38.7 306,019
67 WNB Bancshares I nc. Odessa, Texas 50.87 57.91 11,311 11,964 -5.5 1,157,489
68 Santander BanCorp San Juan, Puerto Rico 50.88 52.28 126,691 128,303 -1.3 7,237,036
69 Virginia Commerce Bancorp Inc. Arlington 50.89 52.78 28,970 27,518 5.3 2,797,775
70 Magnolia Banking Corp. Ark. 51.06 54.56 7,953 7,567 5.1 697,653
Olney Bancshares of Texas Inc.. 51.06 58.84 19,205 21,068 -8.8 1,709,381
72 Planters Financial Group Inc. Hopkinsville, Tenn. 51.10 NA 6,316 0 NA 607,795
73 Enterprise Financial Services Corp Clayton, Mo. 51.17 61.01 35,481 28,280 25.5 2,935,445
74 U.S. Bancorp Minneapolis 51.26 50.49 4,714,000 4,469,000 5.5 320,874,000
75 North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 51.35 NA 6,860 0 NA 656,175
76 Amarillo National Bancorp Inc. Texas 51.44 49.08 37,069 34,983 6.0 2,869,047
77 First Citizens Financial Corp. Mason City, Iowa 51.50 52.32 10,966 11,164 -1.8 1,129,446
Penns Wood Bancorp Inc. Jersey Shore, Pa. 51.50 55.28 9,844 9,976 -1.3 744,986
79 AFNB Holdings Inc. Houston 51.52 53.29 8,334 8,226 1.3 707,973
80 First Bank Corp Fort Smith, Ark. 51.72 60.54 22,604 22,584 0.1 1,588,377
81 Independence Bancshares Inc. Owensboro, Ky. 51.83 53.39 12,875 11,639 10.6 1,098,333
82 Citizens and Northern Corp. Wellsboro, Pa. 51.90 53.53 16,057 15,489 3.7 1,309,650
83 Home BancShares Inc. Conway, Ark. 51.93 53.75 47,421 37,109 27.8 3,694,469
84 Brookline Bancorp Inc. Mass. 52.09 NA 29,326 0 NA 3,113,854
85 First Keystone Corp. Berwick, Pa. 52.11 54.18 8,747 8,403 4.1 805,036
86 Citco Community Bancshares Inc. Elizabethton, Tenn. 52.19 63.74 7,790 8,213 -5.2 609,332
NEB Corp. Fond du Lac, Wis. 52.19 53.11 16,008 16,410 -2.4 1,496,371
88 First Bancorp Inc. Lebanon, Va. 52.21 49.09 14,465 13,646 6.0 1,187,050
89 First Farmers Financial Corp. Converse, Ind. 52.41 56.66 10,751 10,806 -0.5 864,124
The First of Long Island Corp. Glen Head, N.Y. 52.41 54.39 18,203 17,932 1.5 1,855,134
91 Bank of Marin Bancorp Novato, Calif. 52.53 55.73 19,128 16,813 13.8 1,337,393
92 American National Corp. Omaha, Neb. 52.76 58.42 23,729 25,860 -8.2 1,761,238
93 Foresight Financial Group Inc. Rockford, Ill. 52.83 51.40 10,083 9,089 10.9 860,356
94 Stockman Financial Corp. Miles City, Mont. 52.84 54.24 21,127 20,018 5.5 1,986,671
95 QNB Corp. Quakertown, Pa. 52.88 54.50 9,004 8,359 7.7 839,280
Republic Bancorp Co. Orland Park, Ill. 52.88 66.92 18,698 18,940 -1.3 1,483,175
97 Honat Bancorp Inc. Honesdale, Pa. 53.08 NA 6,842 0 NA 528,483
98 Orrstown Financial Services Inc. Shippensburg, Pa. 53.17 53.46 19,161 17,290 10.8 1,531,290
99 Trust No. 3 Under the Will of Charles Henderson Troy, Ala. 53.47 46.44 8,547 7,426 15.1 859,343
100 Fulton Financial Corp. Lancaster, Pa. 53.73 54.15 204,041 199,387 2.3 15,967,120
101 Center Bancorp Inc. Union, N.J. 53.82 65.95 11,692 12,233 -4.4 1,307,438
102 CVB Financial Corp. Ontario, Calif. 53.83 57.50 78,195 94,634 -17.4 6,460,198
103 Cashmere Valley Financial Corp. Cashmere, Wash. 53.91 56.86 12,186 11,205 8.8 1,143,088
104 1st Summit Bancorp of Johnstown Inc. Pa. 54.16 54.72 7,443 6,958 7.0 711,083
105 Popular Inc. Hato Rey, Puerto Rico 54.18 63.57 557,000 609,000 -8.5 39,013,000
106 Capital One Financial Corp. McLean, Va. 54.31 47.20 4,395,817 3,837,450 14.6 199,753,113
107 Camden National Corp. Maine 54.32 55.47 26,557 25,851 2.7 2,331,014
108 Glacier Bancorp Inc. Kalispell, Mont. 54.34 53.52 83,790 82,317 1.8 6,978,320
109 Bar Harbor Bankshares Maine 54.41 54.14 11,297 10,597 6.6 1,153,210
110 Pacific City Financial Corp. Los Angeles 54.42 66.55 8,759 7,834 11.8 513,892
111 Apple Financial Holdings Inc. New York 54.46 56.24 43,154 42,555 1.4 6,793,030
112 Center Financial Corp. Los Angeles 54.49 54.33 25,822 23,084 11.9 2,270,353
113 Planters Holding Co. Indianola, Miss. 54.51 54.75 7,981 7,564 5.5 647,670
114 Longview Financial Corp. Texas 54.59 57.90 17,785 17,099 4.0 1,366,579
United Bankshares Inc. Charleston, W.Va. 54.59 55.62 82,884 85,391 -2.9 7,133,983
116 Orange County Bancorp Inc. Middletown, N.Y. 54.71 53.44 7,213 6,396 12.8 611,263
117 Southwest Bancorp Inc. Stillwater, Okla. 54.74 50.84 32,371 31,810 1.8 2,660,495
118 First Financial Banc Corp. El Dorado, Ark. 54.78 56.78 13,111 11,955 9.7 763,158
119 Putnam Bancshares Inc. Hurricane, W.Va. 54.95 45.73 4,581 4,100 11.7 563,569
120 Citizens Bancorp Investment Inc. Lafayette, Tenn. 54.99 58.27 7,011 6,829 2.7 570,684
Inwood Bancshares Inc. Dallas 54.99 55.19 13,746 14,088 -2.4 1,318,520
122 Chambers Bancshares Inc. Danville, Ark. 55.05 87.26 7,844 10,777 -27.2 725,473
123 Farmers and Merchants Bankshares Inc. Stuttgart, Ark. 55.06 57.66 7,250 6,584 10.1 599,483
124 Cathay General Bancorp El Monte, Calif. 55.08 54.46 92,854 82,364 12.7 10,535,530
125 Citizens Bancshares Inc. Bluffton, Ohio 55.48 61.09 7,951 7,536 5.5 565,112
126 Pacific Premier Bancorp Inc. Costa Mesa, Calif. 55.75 73.80 12,920 8,140 58.7 948,111
127 First Community Financial Partners Inc. Joliet, Ill. 55.84 62.62 9,813 9,386 4.5 935,475
128 Merchants Bancorp Inc. Hillsboro, Ohio 55.87 54.84 6,930 6,779 2.2 584,582
129 Centrabanc Corp. Waco, Texas 55.88 56.11 6,056 6,272 -3.4 592,471
130 Park National Corp. Newark, Ohio 55.98 55.68 93,353 94,891 -1.6 7,328,686
131 The Bank of Kentucky Financial Corp. Crestview Hills 56.01 57.43 21,215 20,929 1.4 1,601,719
132 SVB Financial Group Santa Clara, Calif. 56.08 68.41 238,468 202,757 17.6 19,376,207
133 First Financial Corp. Terre Haute, Ind. 56.13 55.79 38,250 36,849 3.8 2,492,672
134 Security National Corp. Sioux City, S.D. 56.18 56.88 14,252 14,080 1.2 1,088,292
135 Rockhold Bancorp Kirksville, Mo. 56.22 62.89 3,322 3,189 4.2 467,611
136 Nodaway Valley Bancshares Inc. Maryville, Mo. 56.28 59.21 9,482 9,361 1.3 714,589
137 Choice Financial Holdings Inc. Grafton, N.D. 56.29 57.61 7,231 7,131 1.4 585,947
Crews Banking Corp. Wauchula, Fla. 56.29 60.79 15,311 16,338 -6.3 1,128,826
139 Valley National Bancorp Wayne, N.J. 56.32 58.08 167,376 158,521 5.6 14,469,776
140 Eagle Bancorp Inc. Bethesda, Md. 56.59 62.61 29,207 24,355 19.9 2,354,129
141 Great Southern Bancorp Inc. Springfield, Mo. 56.72 57.75 44,809 43,512 3.0 3,419,608
142 Provident Financial Services Inc. Jersey City, N.J. 56.74 56.90 71,170 68,577 3.8 6,879,545
143 Reliable Community Bancshares Inc. Perryville, Mo. 56.78 55.35 11,717 10,173 15.2 853,542
State Bankshares Inc. Fargo, N.D. 56.78 73.08 56,914 38,675 47.2 2,038,864
145 Citizens Bankshares Inc. Farmington, N.M. 56.88 52.84 8,343 7,989 4.4 606,102
146 United Community Bancorp Inc. Chatham, Ill. 56.90 51.47 14,327 11,711 22.3 1,227,834
147 S&T Bancorp Inc. Indiana, Pa. 56.92 55.13 53,652 53,939 -0.5 4,058,290
148 First New Mexico Financial Corp. Deming 56.95 56.38 4,967 4,766 4.2 378,512
149 Paducah Bank Shares Inc. Ky. 56.96 NA 8,198 0 NA 526,180
150 CNB Financial Corp. Clearfield, Pa. 57.09 60.56 16,377 15,491 5.7 1,491,194
151 Hometown Community Bancorp Inc. Morton, Ill. 57.14 54.53 24,717 20,683 19.5 2,774,614
152 Central Banco. Inc. Jefferson City, Mo. 57.27 58.92 143,429 140,710 1.9 10,006,797
153 Southside Bancshares Inc. Tyler, Texas 57.32 59.49 36,834 35,423 4.0 3,115,208
154 Westbrand Inc. Minot, N.D. 57.33 63.77 6,808 6,733 1.1 672,080
155 CBX Corp. Carrollton, Ill. 57.47 66.15 8,960 8,461 5.9 975,799
156 Florida Community Bankshares Inc. Ocala 57.49 60.45 5,920 5,994 -1.2 559,298
157 Coppermark Bancshares Inc. Oklahoma City 57.62 61.87 16,863 17,309 -2.6 1,250,599
158 First Manitowoc Bancorp Inc. Wis. 57.68 53.68 10,928 9,665 13.1 847,566
Pinnacle Bancorp Inc. Central City, Neb. 57.68 58.02 80,210 75,964 5.6 6,179,752
160 American Central Bancorp. Inc. Mount Zion, Ill. 57.69 58.44 7,926 7,214 9.9 629,792
161 First Bancshares Inc. Merrillville, Ind. 57.72 55.86 31,061 29,354 5.8 2,086,420
162 One American Corp. Vacherie, La. 57.98 58.40 10,271 10,620 -3.3 708,630
163 S.Y. Bancorp Inc. Louisville, Ky. 58.04 58.02 30,868 28,618 7.9 1,946,494
164 Summit Bancorp Inc. Arkadelphia, Ark. 58.05 57.38 13,546 12,687 6.8 1,122,011
165 Educational Services of America Inc. Knoxville, Tenn. 58.09 105.92 12,775 24,958 -48.8 1,274,625
166 First Farmers Bancshares Inc. Portland, Tenn. 58.10 NA 7,906 0 NA 533,456
167 Lakeland Bancorp Inc. Oak Ridge, N.J. 58.16 57.70 33,758 33,887 -0.4 2,741,580
168 Solvay Bank Corp. N.Y. 58.21 61.83 7,488 7,476 0.2 601,912
169 ESB Bancorp MHC Easthampton, Mass. 58.29 58.52 9,753 9,277 5.1 926,129
170 Palm Bancorp Palmerton, Pa. 58.38 56.12 7,858 7,361 6.8 683,192
171 PacWest Bancorp Los Angeles 58.39 59.39 87,997 83,128 5.9 5,398,728
172 Bank of the Ozarks Inc. Little Rock, Ark. 58.41 51.56 61,392 38,581 59.1 4,026,841
173 Arrow Financial Corp. Glens Falls, N.Y. 58.54 57.08 24,490 23,542 4.0 1,901,774
174 Norwood Financial Corp., Honesdale, Pa. 58.58 52.11 7,432 6,339 17.2 703,795
175 Dimeco Inc. Honesdale, Pa. 58.65 NA 6,959 0 NA 560,496
176 Harleysville Savings Financial Corp. Pa. 58.66 61.75 6,715 6,423 4.5 863,161
177 Southeastern Bank Financial Corp. Augusta, Ga. 58.69 64.37 19,754 19,840 -0.4 1,600,541
178 Commerce Bancshares Inc. Kansas City, Mo. 58.70 60.02 328,391 324,096 1.3 19,590,328
179 Wood and Huston Bancorp. Inc. Marshall, Mo. 58.79 56.74 6,994 6,958 0.5 476,702
180 PrivateBancorp Inc. Chicago 58.82 62.07 139,742 146,046 -4.3 12,115,377
181 PNC Financial Services Group Inc. Pittsburgh 58.87 52.59 4,258,893 4,047,411 5.2 263,259,894
182 Starion Bancorp. Bismarck, N.D. 58.88 59.61 10,211 9,422 8.4 793,642
183 F&M Bank Corp. Timberville, Va. 58.90 59.28 6,611 6,389 3.5 555,516
184 American Bancorp. Inc. Sapulpa, Okla. 58.92 55.27 9,226 8,802 4.8 729,964
185 Plains Bancorp Inc. Dimmit, Texas 58.93 62.24 12,118 11,828 2.5 1,010,043
186 First Busey Corp. Champaign, Ill. 58.94 59.38 51,028 52,880 -3.5 3,470,888
187 Mid Illinois Bancorp Inc. Peoria 59.04 59.90 7,740 7,173 7.9 667,013
188 Univest Corp. of Pennsylvania Souderton 59.07 63.18 33,152 33,988 -2.5 2,058,377
W.T.B. Financial Corp. Spokane, Wash. 59.07 58.74 51,613 53,553 -3.6 3,899,117
190 USAmericibancorp Inc. Clearwater, Fla. 59.08 67.75 25,971 8,259 214.5 2,033,591
191 National Penn Bancshares Inc. Boyertown, Pa. 59.09 62.65 110,958 124,220 -10.7 8,633,141
192 Neighbor Insurance Agency Inc. Marion, Iowa 59.10 58.82 8,767 8,514 3.0 586,863
193 M&T Bank Corp. Buffalo, N.Y. 59.13 55.35 1,063,358 930,004 14.3 77,727,154
194 Texas Capital Bancshares Inc. Dallas 59.26 58.57 87,468 75,279 16.2 6,709,755
195 Ohnward Bancshares Inc. Maquoketa, Iowa 59.39 63.45 10,513 10,778 -2.5 856,262
196 Middlesex Bancorp MHC Natick, Mass. 59.40 59.56 40,234 40,361 -0.3 3,995,678
197 City Holding Co. Cross Lanes, W.Va. 59.45 52.78 42,557 39,458 7.9 2,714,764
198 Financial Institutions Inc. Warsaw, N.Y. 59.48 59.90 30,462 29,571 3.0 2,282,944
199 Independent Holdings Inc. Memphis, Tenn. 59.60 57.61 11,047 10,478 5.4 819,980
200 Home State Bancorp Loveland, Colo. 59.61 67.51 9,443 8,848 6.7 580,519

Note: Only top-tier holding companies that file a Y-9C statement with the Fed as of June 30, 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 current as of June 30, 2011.

Source:

Financial Information Systems LLC

© 2011 American Banker

Banks, thrifts and holding companies