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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

May 29, 2012, 5:25 p.m. EDT 1 Min Read
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Most Efficient Bank Holding Companies

Most Efficient Bank Holding CompaniesYear to date through Dec. 31. Dollars in thousands.
Published May 29, 2012
Rank   Efficiency Ratio* Noninterest Expenses 4Q 2011
Assets
2011 2010 2011 2010 Change
1 Briscoe Ranch Inc. Uvalde, Texas 9.23 18.46 $20,715 $21,502 -3.7% $940,716
2 Berkshire Bancorp Inc New York 24.88 72.33 17,294 21,736 -20.4 861,843
3 NRBC Holding Corp. Chicago 31.20 26.11 17,089 13,663 25.1 1,298,746
4 Parke Bancorp Inc. Swell, N.J. 34.19 34.67 12,625 11,445 10.3 790,738
5 Discover Financial Services Riverwoods, Ill. 36.64 33.81 2,626,600 2,271,513 15.6 69,483,014
6 Northern Bancorp Inc. Woburn, Mass. 37.06 50.29 15,459 14,974 3.2 734,743
7 State Bank Financial Corp. Atlanta 39.18 52.07 88,645 77,562 14.3 2,747,317
8 United National Corp. Sioux Falls, S.D. 40.24 39.33 259,023 306,968 -15.6 1,799,837
9 Industry Bancshares Inc. Industry, Texas 40.66 47.90 30,755 27,157 13.2 1,881,701
10 Capitol Bancorp. Inc. Britton, S.D. 41.34 39.31 30,566 28,285 8.1 712,810
11 First Security Bancorp Searcy, Ark. 41.45 48.88 124,029 126,890 -2.3 4,171,542
12 New York Community Bancorp Inc. Westbury 41.71 38.55 599,123 575,451 4.1 42,026,245
13 JJR Holding Co. Inc. Brick, N.J. 41.84 42.28 13,017 13,896 -6.3 566,256
14 Villages Bancorp. Inc. The Villages, Fla. 42.10 48.68 19,815 20,719 -4.4 1,365,240
15 Prosperity Bancshares Inc. Houston 42.11 44.31 162,321 165,718 -2.0 9,826,111
16 SBT Bancshares Inc. Dallas 42.91 25.34 11,876 8,499 39.7 544,649
17 National Bankshares Inc. Blacksburg, Va. 43.20 45.36 22,851 22,947 -0.4 1,067,102
18 Republic Bancorp Inc. Louisville, Ky. 43.30 51.63 122,321 126,323 -3.2 3,419,991
19 Investors Bancorp MHC Millburn, N.J. 43.62 44.17 155,443 130,591 19.0 10,679,189
20 Charter Bankshares Inc. Eau Claire, Wis. 43.71 46.11 15,243 15,968 -4.5 699,238
21 Manhattan Banking Corp. Kan. 44.03 45.60 15,811 14,205 11.3 799,955
22 Clayton Bancorp Inc. Knoxville, Tenn. 44.10 42.19 18,372 17,464 5.2 933,643
23 Heritage Group Inc. Wood River, Neb. 44.62 0.00 9,703 0 NA 540,963
24 ServisFirst Bancshares Inc. Birmingham, Ala. 45.17 44.92 37,458 30,969 21.0 2,461,047
25 First Bemidji Holding Co. Minn. 45.43 0.00 10,464 0 NA 555,629
26 Intervest Bancshares Corp. New York 45.86 80.76 22,004 38,717 -43.2 1,969,540
27 Ida Grove Bancshares Inc. Iowa 46.10 46.45 21,034 21,151 -0.6 1,154,534
28 East West Bancorp Inc. Pasadena, Calif. 46.38 50.92 405,106 432,513 -6.3 21,968,902
29 The Bank of Southside Virginia Corp. Carson 46.46 45.54 13,998 13,963 0.3 553,200
30 Westamerica Bancorp. San Rafael, Calif. 46.52 45.02 130,569 130,994 -0.3 5,037,337
31 County Bancorp Inc. Manitowoc, Wis. 46.67 42.78 12,746 10,729 18.8 678,293
32 Ames National Corp. Iowa 46.74 47.43 18,865 18,276 3.2 1,035,564
33 First Paragould Bankshares Inc. Ark. 46.87 47.38 15,795 15,168 4.1 677,987
34 Lakeland Financial Corp. Warsaw, Ind. 47.30 45.57 55,088 53,416 3.1 2,890,820
35 American State Financial Corp. Lubbock, Texas 47.40 49.05 72,533 69,563 4.3 3,081,689
36 First Illinois Bancorp Inc. East St. Louis 48.02 47.90 12,178 12,661 -3.8 557,772
37 Southern Missouri Bancorp Inc. Poplar Bluff 48.03 0.00 15,905 0 NA 773,280
38 Ambank Co. Inc. Sioux Center, Iowa 48.10 49.33 18,113 17,201 5.3 818,278
39 Liberty Bancshares Inc. Springfield, Mo. 48.27 50.67 26,267 26,017 1.0 1,094,161
40 Waupaca Bancorp. Inc. Wis. 48.32 47.00 16,927 15,659 8.1 760,739
41 Herky Hawk Financial Corp. Monticello, Iowa 48.38 50.71 6,466 6,389 1.2 318,095
42 Citizens Financial Services Inc. Mansfield, Pa. 48.43 49.30 18,373 17,757 3.5 878,567
43 First Financial Bankshares Inc. Abilene, Texas 48.48 50.08 104,623 98,255 6.5 4,120,531
44 FirstBank Holding Co. Lakewood, Colo. 48.49 48.96 278,380 269,104 3.4 11,626,297
45 Blackhawk Bancorp. Inc. Milan, Ill. 48.54 53.14 18,310 19,082 -4.0 1,019,310
46 Hills Bancorp. Iowa 49.16 51.27 44,215 45,729 -3.3 2,018,297
47 Citizens and Northern Corp. Wellsboro, Pa. 49.40 52.73 32,057 31,569 1.5 1,323,735
48 WestStar Bank Holding Co. Inc. El Paso, Texas 49.49 50.26 23,356 22,606 3.3 986,432
49 Hometown Banc Corp Grand Island, Neb. 49.53 49.29 18,640 17,131 8.8 903,274
50 Stearns Financial Services Inc. St. Cloud, Minn. 49.57 55.78 42,253 44,958 -6.0 1,323,370
51 CCFNB Bancorp Inc. Bloomsburg, Pa. 49.67 59.56 15,810 16,032 -1.4 624,677
52 Olney Bancshares of Texas Inc.. 49.76 58.01 38,061 42,531 -10.5 1,850,440
53 Barclays Delaware Holdings LLC Wilmington 49.79 42.82 708,117 157,233 350.4 15,265,400
54 Farmers and Merchants Bancorp Lodi, Calif. 49.87 47.51 43,489 42,951 1.3 1,920,606
55 Gulfstream Bancshares Inc. Stuart, Fla. 49.89 51.30 10,875 11,596 -6.2 547,675
56 First Bancorp Inc. Damariscotta, Maine 49.92 48.20 26,044 25,008 4.1 1,373,456
57 Wilshire Bancorp Inc. Los Angeles 49.96 46.47 63,625 63,997 -0.6 2,696,849
58 Southern National Bancorp of Virginia Inc. McLean 49.97 0.00 14,896 0 NA 611,724
59 CVB Financial Corp. Ontario, Calif. 50.16 61.21 139,304 190,138 -26.7 6,482,915
60 Penns Wood Bancorp Inc. Jersey Shore, Pa. 50.62 52.97 19,964 19,492 2.4 763,953
61 Amarillo National Bancorp Inc. Texas 50.83 49.24 73,733 72,242 2.1 3,168,689
62 Planters Financial Group Inc. Hopkinsville, Tenn. 50.94 0.00 12,958 0 NA 675,649
63 First Bancorp Inc. Lebanon, Va. 51.09 48.30 29,092 27,694 5.0 1,250,478
64 Home BancShares Inc. Conway, Ark. 51.10 54.61 94,111 83,939 12.1 3,604,117
65 Virginia Commerce Bancorp Inc. Arlington 51.17 51.74 59,715 57,186 4.4 2,938,518
66 Traditional Bancorp. Inc. Mount Sterling, Ky. 51.20 50.67 22,353 19,750 13.2 1,079,810
67 First Financial Banc Corp. El Dorado, Ark. 51.51 54.50 26,636 24,867 7.1 791,532
68 Magnolia Banking Corp. Ark. 51.53 54.61 16,621 15,657 6.2 732,192
69 Albank Corp. Chicago 51.54 53.58 10,390 10,785 -3.7 525,329
70 The First of Long Island Corp. Glen Head, N.Y. 51.56 53.51 36,700 35,826 2.4 2,022,407
71 First Keystone Corp. Berwick, Pa. 51.62 52.17 17,618 17,272 2.0 818,546
Republic Bancorp Co. Orland Park, Ill. 51.62 62.73 39,786 38,228 4.1 1,365,353
73 U.S. Bancorp Minneapolis 51.65 51.21 9,856,000 9,282,000 6.2 340,122,000
74 Chinatrust Capital Corp. Torrance, Calif. 51.67 217.89 45,391 69,645 -34.8 1,509,921
75 Santander BanCorp San Juan, Puerto Rico 51.85 55.88 256,148 266,789 -4.0 6,897,664
76 First Farmers Financial Corp. Converse, Ind. 52.00 56.41 22,237 22,312 -0.3 912,965
77 Independence Bancshares Inc. Owensboro, Ky. 52.03 53.40 26,503 24,379 8.7 1,143,820
78 Trust No. 3 Under the Will of Charles Henderson Troy, Ala. 52.11 48.53 16,843 15,568 8.2 888,025
79 First Financial Bancorp. Cincinnati 52.12 55.22 203,344 233,680 -13.0 6,671,511
80 West Bancorp. Inc. West Des Moines, Iowa 52.45 50.12 26,337 27,433 -4.0 1,269,524
81 Lauritzen Corp. Omaha, Neb. 52.47 43.88 72,197 67,032 7.7 1,592,575
82 First Bank Corp Fort Smith, Ark. 52.55 62.49 45,176 46,242 -2.3 1,568,295
83 Chambers Bancshares Inc. Danville, Ark. 52.59 71.15 14,315 19,355 -26.0 715,847
84 Center Bancorp Inc. Union, N.J. 52.72 63.05 23,443 23,465 -0.1 1,432,738
85 Central Bancshares Inc. Golden Valley, Minn. 52.86 61.09 29,968 28,672 4.5 1,121,431
North Jersey Community Bancorp Inc. Englewood Cliffs, N.J. 52.86 0.00 15,056 0 NA 729,515
87 Crews Banking Corp. Wauchula, Fla. 52.92 57.22 30,228 32,482 -6.9 1,130,329
88 United Community Bancorp Inc. Chatham, Ill. 53.03 52.58 27,427 26,321 4.2 1,280,593
89 Cathay General Bancorp El Monte, Calif. 53.11 53.57 181,506 160,418 13.1 10,644,864
90 Peoples Financial Services Corp. Hallstead, Pa. 53.27 0.00 15,577 0 NA 621,404
91 QNB Corp. Quakertown, Pa. 53.35 54.51 18,296 17,401 5.1 868,804
92 1st Summit Bancorp of Johnstown Inc. Pa. 53.50 55.32 14,972 14,195 5.5 740,978
93 Citizens Bankshares Inc. Farmington, N.M. 53.58 52.55 15,555 15,825 -1.7 645,900
94 Hometown Community Bancorp Inc. Morton, Ill. 53.68 55.26 49,025 45,320 8.2 2,674,486
95 Bank of the Ozarks Inc. Little Rock, Ark. 53.70 53.18 122,531 87,419 40.2 3,839,987
96 Orange County Bancorp Inc. Middletown, N.Y. 53.75 51.97 14,367 12,860 11.7 632,906
97 Lakeside Bancorp Inc. Chicago 53.83 44.79 20,616 19,059 8.2 1,126,692
98 Bank of Marin Bancorp Novato, Calif. 53.91 54.39 38,283 33,354 14.8 1,393,263
99 Honat Bancorp Inc. Honesdale, Pa. 53.92 0.00 14,007 0 NA 560,993
United Bankshares Inc. Charleston, W.Va. 53.92 56.66 179,171 172,640 3.8 8,451,470
101 CBX Corp. Carrollton, Ill. 54.00 59.84 18,313 17,427 5.1 1,013,923
102 Cashmere Valley Financial Corp. Cashmere, Wash. 54.01 55.67 24,230 23,225 4.3 1,176,287
103 Brookline Bancorp Inc. Mass. 54.04 0.00 62,925 0 NA 3,299,013
104 Inwood Bancshares Inc. Dallas 54.07 54.70 27,221 27,821 -2.2 1,431,686
105 Citizens Bancorp Investment Inc. Lafayette, Tenn. 54.08 56.74 14,130 13,858 2.0 583,008
Farmers and Merchants Bankshares Inc. Stuttgart, Ark. 54.08 56.87 14,611 14,047 4.0 622,758
107 Nara Bancorp Inc. Los Angeles 54.12 49.98 81,880 63,045 29.9 5,173,624
108 WNB Bancshares I nc. Odessa, Texas 54.19 56.86 23,702 23,194 2.2 1,198,490
109 The Bank of Kentucky Financial Corp. Crestview Hills 54.49 56.17 42,114 42,423 -0.7 1,744,724
110 Longview Financial Corp. Texas 54.50 56.95 35,976 35,037 2.7 1,431,328
111 NEB Corp. Fond du Lac, Wis. 54.52 43.25 33,706 33,458 0.7 1,512,143
112 First Financial Corp. Terre Haute, Ind. 54.67 56.96 74,782 76,747 -2.6 2,943,420
113 Merchants Bancorp Inc. Hillsboro, Ohio 54.68 55.12 13,557 13,404 1.1 571,602
114 First Citizens Financial Corp. Mason City, Iowa 54.74 58.28 23,110 25,153 -8.1 1,171,387
115 Fulton Financial Corp. Lancaster, Pa. 54.79 54.18 415,634 410,907 1.2 16,345,173
116 Foresight Financial Group Inc. Rockford, Ill. 54.97 53.19 21,422 19,410 10.4 885,299
117 Parkway Bancorp Inc. Harwood Heights, Ill. 55.09 58.72 46,357 38,821 19.4 2,238,991
118 Park National Corp. Newark, Ohio 55.18 54.75 188,317 187,107 0.6 6,974,845
119 Bar Harbor Bankshares Maine 55.21 55.70 23,300 22,046 5.7 1,167,595
120 American National Corp. Omaha, Neb. 55.22 56.44 52,728 52,333 0.8 1,930,276
121 Texas Capital Bancshares Inc. Dallas 55.25 57.68 181,840 153,595 18.4 8,137,740
122 Stockman Financial Corp. Miles City, Mont. 55.33 56.84 46,289 44,145 4.9 2,141,531
123 F&M Bank Corp. Timberville, Va. 55.42 57.00 12,890 12,741 1.2 566,734
124 Planters Holding Co. Indianola, Miss. 55.44 54.09 16,414 15,983 2.7 662,064
125 Southside Bancshares Inc. Tyler, Texas 55.46 58.97 72,292 71,141 1.6 3,308,400
126 Eagle Bancorp Inc. Bethesda, Md. 55.74 60.33 63,114 50,595 24.7 2,833,494
127 City Holding Co. Cross Lanes, W.Va. 55.77 52.46 80,796 77,180 4.7 2,776,332
128 S.Y. Bancorp Inc. Louisville, Ky. 55.91 56.71 58,245 58,570 -0.6 2,053,427
129 CNB Financial Corp. Clearfield, Pa. 55.96 59.59 33,301 31,668 5.2 1,602,359
130 S&T Bancorp Inc. Indiana, Pa. 55.98 53.43 103,990 105,310 -1.3 4,119,994
131 Citizens Bancshares of Batesville Inc. Ark. 56.05 64.45 15,301 15,527 -1.5 539,636
Norwood Financial Corp., Honesdale, Pa. 56.05 52.18 15,239 12,782 19.2 668,814
133 Dimeco Inc. Honesdale, Pa. 56.09 0.00 13,358 0 NA 581,894
134 Apple Financial Holdings Inc. New York 56.16 59.85 84,973 86,948 -2.3 7,630,602
135 Provident Financial Services Inc. Jersey City, N.J. 56.26 56.69 142,124 138,469 2.6 7,097,403
136 Pinnacle Bancorp Inc. Central City, Neb. 56.38 57.26 160,295 154,399 3.8 6,474,925
137 Great Southern Bancorp Inc. Springfield, Mo. 56.40 58.79 96,872 89,138 8.7 3,792,566
138 Pacific Premier Bancorp Inc. Costa Mesa, Calif. 56.55 67.04 25,078 17,251 45.4 961,128
139 Choice Financial Holdings Inc. Grafton, N.D. 56.59 56.82 15,497 14,614 6.0 610,257
140 Citizens Bancshares Inc. Bluffton, Ohio 56.71 59.62 16,833 16,086 4.6 589,911
141 Westbrand Inc. Minot, N.D. 56.72 62.49 14,185 13,777 3.0 712,081
142 First New Mexico Financial Corp. Deming 56.81 56.23 10,185 9,820 3.7 380,799
143 Hudson Valley Holding Corp. Yonkers, N.Y. 56.82 56.84 79,543 73,462 8.3 2,797,670
144 Centrabanc Corp. Waco, Texas 56.84 57.83 12,558 12,750 -1.5 605,791
145 Popular Inc. Hato Rey, Puerto Rico 56.85 51.24 1,150,000 1,326,000 -13.3 37,348,000
146 Wood and Huston Bancorp. Inc. Marshall, Mo. 56.91 58.90 14,627 14,944 -2.1 487,435
147 Starion Bancorp. Bismarck, N.D. 56.97 57.77 21,402 19,456 10.0 924,935
148 Camden National Corp. Maine 57.05 54.58 55,573 52,949 5.0 2,302,720
149 First Bancshares Inc. Merrillville, Ind. 57.11 54.73 60,919 59,345 2.7 2,123,880
Summit Bancorp Inc. Arkadelphia, Ark. 57.11 57.94 27,312 26,511 3.0 1,131,397
151 Diamond Bancorp Inc. Washington, Mo. 57.15 57.88 16,774 16,005 4.8 850,998
152 Integrity Bancshares Inc. Camp Hill, Pa. 57.28 0.00 13,273 0 NA 586,486
153 Cardinal Financial Corp. McLean, Va. 57.55 62.26 64,465 59,469 8.4 2,602,716
154 Independent Holdings Inc. Memphis, Tenn. 57.66 57.43 21,689 21,026 3.2 819,631
155 Coppermark Bancshares Inc. Oklahoma City 57.68 59.12 33,765 34,233 -1.4 1,263,036
156 SVB Financial Group Santa Clara, Calif. 57.80 65.88 500,629 422,818 18.4 19,976,168
157 Neighbor Insurance Agency Inc. Marion, Iowa 57.82 58.90 17,158 17,460 -1.7 624,605
158 Liberty Bancshares Inc Jonesboro, Ark. 57.86 57.66 65,847 63,763 3.3 2,811,229
159 Capital One Financial Corp. McLean, Va. 57.99 49.07 9,315,763 7,868,499 18.4 206,103,658
160 Valley National Bancorp Wayne, N.J. 58.02 57.50 337,171 317,817 6.1 14,244,507
161 Central Bancompany Inc. Jefferson City, Mo. 58.07 58.69 291,266 289,499 0.6 9,702,396
162 Mid Illinois Bancorp Inc. Peoria 58.09 59.07 15,588 14,912 4.5 668,051
163 Putnam Bancshares Inc. Hurricane, W.Va. 58.10 48.96 9,485 8,858 7.1 585,593
164 American National Bankshares Inc. Danville, Va. 58.17 61.78 30,122 22,828 32.0 1,304,522
165 Talmer Bancorp Inc. Troy, Mich. 58.30 56.45 108,592 43,756 148.2 2,125,863
166 Bank of Highland Park Financial Corp. Ill. 58.40 63.83 17,180 16,057 7.0 1,086,628
167 PrivateBancorp Inc. Chicago 58.41 61.06 281,106 291,626 -3.6 12,416,870
168 Florida Community Bankshares Inc. Ocala 58.53 62.54 12,063 12,512 -3.6 546,392
Paducah Bank Shares Inc. Ky. 58.53 0.00 16,877 0 NA 534,220
170 Solvay Bank Corp. N.Y. 58.63 60.96 15,191 15,061 0.9 620,443
171 Harleysville Savings Financial Corp. Pa. 58.64 60.05 13,239 12,773 3.6 840,410
172 First Breckinridge Bancshares Inc. Irvington, Ky. 58.68 57.80 21,630 19,320 12.0 687,821
173 Security National Corp. Sioux City, S.D. 58.69 58.10 30,052 29,183 3.0 1,108,490
174 Southern Utah Bancorp. Cedar City 58.76 53.83 16,555 16,372 1.1 674,367
175 American Bancorp. Inc. Sapulpa, Okla. 58.80 55.06 18,482 17,593 5.1 752,552
176 AFNB Holdings Inc. Houston 59.03 56.10 22,058 17,753 24.2 868,864
177 Commerce Bancshares Inc. Kansas City, Mo. 59.06 59.99 661,316 659,526 0.3 20,663,043
178 Lakeland Bancorp Inc. Oak Ridge, N.J. 59.07 59.42 68,151 70,405 -3.2 2,826,006
Plains Bancorp Inc. Dimmit, Texas 59.07 61.69 24,648 23,820 3.5 1,082,319
180 Heartland BancCorp Gahanna, Ohio 59.26 63.64 15,070 15,204 -0.9 571,524
181 Southeastern Bank Financial Corp. Augusta, Ga. 59.31 62.86 40,132 40,575 -1.1 1,615,393
182 WesBanco Inc. Wheeling, W.Va. 59.34 61.46 140,618 144,788 -2.9 5,538,618
183 Educational Services of America Inc. Knoxville, Tenn. 59.41 56.60 25,906 23,868 8.5 1,469,832
184 American Central Bancorp. Inc. Mount Zion, Ill. 59.45 59.65 17,249 16,633 3.7 633,361
Independent Alliance Banks Inc. Grabill, Ind. 59.45 56.42 22,875 22,376 2.2 964,898
186 State Bankshares Inc. Fargo, N.D. 59.48 72.53 101,967 77,531 31.5 2,265,782
187 Nodaway Valley Bancshares Inc. Maryville, Mo. 59.67 58.01 20,388 18,836 8.2 762,464
188 IBT Holdings Corp. City of Industry, Calif. 59.70 71.07 10,445 11,617 -10.1 483,612
189 First Internet Bancorp Indianapolis 59.72 52.76 11,478 10,370 10.7 585,445
190 Bank of Hawaii Corp. Honolulu 59.78 56.03 349,858 348,628 0.4 13,890,116
191 Ohnward Bancshares Inc. Maquoketa, Iowa 59.79 62.21 21,571 22,936 -6.0 881,082
192 Fidelity Holding Co. Minnetonka, Minn. 59.82 55.72 7,928 8,783 -9.7 430,205
One American Corp. Vacherie, La. 59.82 57.80 21,160 20,943 1.0 704,071
194 Middlesex Bancorp MHC Natick, Mass. 59.85 60.50 80,967 82,187 -1.5 4,034,783
195 Palm Bancorp Palmerton, Pa. 59.87 58.56 16,389 15,410 6.4 697,515
196 Bremer Financial Corp. St. Paul, Minn. 60.00 61.60 231,196 230,658 0.2 8,188,047
197 Cullen/Frost Bankers Inc. San Antonio 60.03 59.32 552,095 528,976 4.4 20,386,252
198 Platte Valley Financial Service Cos. Inc. Scottsbluff, Neb. 60.06 65.12 21,179 20,769 2.0 652,882
199 Bancshares of Jackson Hole Inc. Jackson, Wyo. 60.11 0.00 13,308 0 NA 574,019
200 First Farmers Bancshares Inc. Portland, Tenn. 60.12 0.00 15,783 0 NA 522,370

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 current as of Dec. 31, 2011.

Source:

Financial Information Systems LLC

© 2012 American Banker

Banks, thrifts and holding companies