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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

August 01, 2016, 1:32 p.m. EDT 1 Min Read
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Most Efficient Bank Holding Companies

Most Efficient Bank Holding CompaniesYear to date through March 31, 2016. Dollars in thousands
Published Aug. 1, 2016
Rank   Efficiency Ratio* Noninterest Expenses 1Q 2016
Assets
1Q 2016 1Q 2015 1Q 2016 1Q 2015 Change
1 Dime Community Bancshares, Inc. Brooklyn, N.Y. 17.08 43.19 $17,824 $13,795 -$12.1 $5,517,359
2 Beal Financial Corporation Plano, Tex. 26.98 27.26 30,631 34,283 -41.4 7,075,456
3 Briscoe Ranch, Inc. Uvalde, Tex. 27.37 15 5,964 4,888 12.0 1,678,030
4 Synchrony Financial Stamford, Conn. 29.04 NA 810,516 NA 2.3 81,655,558
5 Sterling Bancorp, Inc. Southfield, Mich. 29.15 38.26 6,310 5,403 -6.6 1,766,653
6 First Security Bancorp Searcy, Ark. 29.98 39.94 31,843 32,013 -9.4 5,120,462
7 BofI Holding, Inc. San Diego, Calif. 31.56 33.93 29,405 20,307 -15.0 7,705,622
8 Stearns Financial Services, Inc. Saint Cloud, Minn. 31.76 29.46 14,323 10,515 5.0 2,011,506
9 Bank of the Ozarks, Inc. Little Rock, Ark. 34.22 42.40 47,686 50,184 -9.6 11,427,419
10 United National Corporation Sioux Falls, S.D. 34.78 34.50 86,425 77,746 -6.0 2,834,385
11 Industry Bancshares, Inc. Industry, Tex. 36.50 36.71 11,714 10,776 22.8 3,480,618
12 Oritani Financial Corp. Township of Washington, N.J. 36.64 39.92 10,402 10,906 4.9 3,604,626
13 Home BancShares, Inc. Conway, Ark. 37.35 41.26 45,353 40,474 -7.0 9,397,451
14 NexBank Capital, Inc. Dallas, Tex. 37.81 39.24 8,844 10,133 -30.1 3,005,110
15 PacWest Bancorp Beverly Hills, Calif. 38.38 37.94 111,914 84,658 -11.5 21,031,465
16 Prosperity Bancshares, Inc. Houston, Tex. 39.16 39.99 79,836 78,851 0.5 22,067,070
17 Discover Financial Services Riverwoods, Ill. 39.65 40.27 880,518 871,690 -0.6 88,093,339
18 Merchants Bancorp Carmel, Ind. 39.79 28.35 5,787 4,421 -12.5 2,472,071
19 ServisFirst Bancshares, Inc. Birmingham, Ala. 39.99 46.34 19,198 18,836 -27.3 5,378,599
20 Eagle Bancorp, Inc. Bethesda, Md. 40.35 45.76 28,099 28,502 -16.5 6,131,722
21 Villages Bancorporation, Inc. The Villages, Fla. 40.93 44.53 5,124 5,036 -8.5 1,978,730
22 ConnectOne Bancorp, Inc. Englewood Cliffs, N.J. 41.88 41.36 14,354 12,631 -133.6 4,091,763
23 Capitol Federal Financial, Inc. Topeka, Kan. 42.38 44.12 23,414 23,102 -19.3 9,333,802
24 New York Community Bancorp, Inc. Westbury, N.Y. 43.28 44.92 158,443 156,828 0.5 48,515,572
25 Western Alliance Bancorporation Phoenix, Ariz. 45.11 46.67 75,874 54,622 11.4 15,248,039
26 Lakeside Bancorp, Inc. Chicago, Ill. 45.34 44.85 5,594 5,247 -23.4 1,321,255
27 Olney Bancshares of Texas, Inc. Olney, Tex. 45.69 47.05 15,131 14,078 -1.5 2,851,617
28 NEB Corporation Fond du Lac, Wis. 46.03 44.09 9,106 9,318 1.4 1,845,372
29 First Financial Corporation Terre Haute, Ind. 46.21 63.58 23,282 23,983 -8.4 2,931,656
  Great Western Bancorp, Inc. Sioux Falls, S.D. 46.21 NA 44,666 NA -11.4 9,942,295
31 LegacyTexas Financial Group, Inc. Plano, Tex. 46.61 57.19 37,631 38,040 N/A 7,564,739
32 Cathay General Bancorp Los Angeles, Calif. 46.68 45.46 51,581 43,972 -17.9 13,262,019
33 CVB Financial Corp. Ontario, Calif. 46.74 62.37 34,115 44,436 -3.8 7,920,836
34 Manhattan Banking Corporation Manhattan, Kan. 46.88 44.19 9,048 7,167 -6.6 1,535,389
35 West Bancorporation, Inc. West Des Moines, Iowa 46.91 48.25 7,799 7,446 -14.7 1,755,119
36 FCB Financial Holdings, Inc. Weston, Fla. 47.01 NA 33,210 30,492 -3.1 7,836,124
37 Washington Federal, Inc. Seattle, Wash. 47.90 47.95 58,305 56,295 1.7 14,670,823
38 Lakeland Financial Corporation Warsaw, Ind. 48.13 49.76 17,379 16,897 3.4 3,811,130
39 Ida Grove Bancshares, Inc. Ida Grove, Iowa 48.71 50.90 6,357 5,929 -2.4 1,368,963
40 State Bankshares, Inc. Fargo, N.D. 48.72 73.18 51,188 37,187 -9.3 3,976,057
41 BCI Financial Group, Inc. Miami, Fla. 48.96 55.17 28,582 26,733 0.7 7,115,668
42 Northern Bancorp, Inc. Woburn, Mass. 49.11 47.21 7,247 6,469 -6.9 1,462,950
43 United Bankshares, Inc. Charleston, W.Va. 49.23 49.31 57,803 56,977 -4.1 12,606,884
44 First Financial Bankshares, Inc. Abilene, Tex. 49.28 46.88 41,080 33,942 -12.4 6,525,185
45 USAmeriBancorp, Inc. Clearwater, Fla. 49.55 57.16 18,276 17,017 -8.0 3,766,163
46 East West Bancorp, Inc. Pasadena, Calif. 49.71 46.50 144,315 130,537 -15.7 33,109,185
47 Hope Bancorp, Inc. Los Angeles, Calif. 49.88 50.99 40,557 38,697 2.8 8,063,752
48 Republic Bancorp, Inc. Louisville, Ky. 50.37 59.56 32,541 31,166 3.4 4,246,765
49 Green Bancorp, Inc. Houston, Tex. 50.62 60.74 20,043 13,912 -0.1 3,850,244
50 Traditional Bancorporation, Inc. Mount Sterling, Ky. 50.76 53.83 6,396 6,390 -0.8 1,261,736
51 Capital One Financial Corporation McLean, Va. 51.00 52.03 3,278,226 3,053,774 -6.8 330,489,235
52 Ames National Corporation Ames, Iowa 51.07 49.22 6,477 6,083 -8.7 1,334,901
53 North American Bancshares, Inc. Sherman, Tex. 51.10 52.78 12,721 11,712 -26.4 2,303,336
54 First of Long Island Corporation Glen Head, N.Y. 51.17 51.81 12,429 11,145 -11.1 3,234,376
55 Santander Holdings USA, Inc. Boston, Mass. 51.20 42.07 1,224,868 990,899 -3.2 131,098,910
56 Franklin Financial Network, Inc. Franklin, Tenn. 51.26 63.92 11,832 9,985 -10.4 2,299,859
57 Amarillo National Bancorp, Inc. Amarillo, Tex. 51.41 51.57 21,830 21,629 -12.6 3,683,458
58 International Bancshares Corporation Laredo, Tex. 51.46 52.73 66,845 67,314 2.4 11,878,689
59 PrivateBancorp, Inc. Chicago, Ill. 51.58 52.54 89,862 81,929 1.7 17,667,372
60 Hills Bancorporation Hills, Iowa 51.66 54.31 13,005 13,154 -8.1 2,599,488
61 First Bancorp, Inc. Damariscotta, Maine 51.72 56.93 7,206 7,308 -8.5 1,568,525
62 Inwood Bancshares, Inc. Dallas, Tex. 51.73 51.71 10,311 9,440 -55.1 2,283,772
63 Hometown Community Bancorp, Inc. Morton, Ill. 51.85 52.04 13,342 13,031 11.5 3,089,264
64 American Chartered Bancorp, Inc. Schaumburg, Ill. 51.90 54.43 15,029 14,845 6.0 2,808,374
65 Grandpoint Capital, Inc. Los Angeles, Calif. 52.42 53.14 15,795 15,167 -2.6 3,242,077
66 Pinnacle Financial Partners, Inc. Nashville, Tenn. 52.59 51.74 53,641 36,421 0.5 9,262,345
67 Discount Bancorp, Inc. New York, N.Y. 52.76 58.19 35,550 35,224 -6.9 9,299,090
68 Enterprise Financial Services Corp Clayton, Mo. 52.77 59.53 20,775 19,963 -1.0 3,709,905
69 Westamerica Bancorporation San Rafael, Calif. 52.81 52.89 26,617 27,394 -0.7 5,200,374
70 Hometown Banc Corp Grand Island, Neb. 53.16 50.99 6,160 5,847 -14.2 1,229,444
71 1867 Western Financial Corporation Stockton, Calif. 53.27 56.18 14,923 13,943 -7.5 2,665,120
  First Bank Corp Fort Smith, Ark. 53.27 55.77 11,838 11,567 1.0 1,666,376
73 Investors Bancorp, Inc. Short Hills, N.J. 53.35 49.71 87,072 76,840 -10.9 21,200,387
74 Customers Bancorp, Inc. Wyomissing, Pa. 53.49 52.21 33,697 27,009 0.5 9,038,882
75 Bridge Bancorp, Inc. Bridgehampton, N.Y. 54.09 60.95 18,880 13,282 -7.9 3,912,863
76 Independence Bancshares, Inc. Owensboro, Ky. 54.14 52.75 10,451 9,115 -6.9 1,902,387
77 U.S. Bancorp Minneapolis, Minn. 54.25 53.31 2,779,000 2,659,000 -11.0 428,638,000
78 Community Trust Bancorp, Inc. Pikeville, Ky. 54.63 58.54 26,242 25,818 -25.3 3,879,838
79 WesBanco, Inc. Wheeling, W.Va. 55.03 70.08 45,168 53,315 -16.7 8,574,347
80 Farmers & Merchants Bancorp Lodi, Calif. 55.04 55.53 17,769 14,222 -8.4 2,593,435
81 Parkway Bancorp, Inc. Harwood Heights, Ill. 55.16 43.15 9,608 9,403 -11.4 2,322,462
82 Independent Bank Group, Inc. McKinney, Tex. 55.29 59.97 28,486 24,386 -2.0 5,261,967
83 SVB Financial Group Santa Clara, Calif. 55.36 52.90 204,034 190,542 -1.7 43,597,787
84 Brookline Bancorp, Inc. Boston, Mass. 55.49 57.64 31,966 31,228 -51.0 6,196,677
85 Cardinal Financial Corporation McLean, Va. 55.65 52.93 26,292 24,143 -5.4 4,074,545
86 Stockman Financial Corporation Miles City, Mont. 55.76 52.75 17,484 15,099 -9.0 3,123,130
87 Hanmi Financial Corporation Los Angeles, Calif. 55.96 67.36 25,692 30,700 -0.1 4,310,748
88 Security National Corporation Dakota Dunes, S.D. 56.09 55.09 8,143 7,626 0.3 1,395,474
89 Texas Capital Bancshares, Inc. Dallas, Tex. 56.16 54.02 87,728 77,041 -6.2 20,210,931
90 Crews Banking Corporation Wauchula, Fla. 56.22 59.17 8,852 8,708 2.6 1,354,766
  Provident Financial Services, Inc. Iselin, N.J. 56.22 57.66 44,831 43,399 -17.6 9,026,174
92 CU Bancorp Los Angeles, Calif. 56.26 62.33 15,173 14,913 -6.1 2,739,533
93 WestStar Bank Holding Company, Inc. El Paso, Tex. 56.33 59.12 7,625 7,552 3.0 1,238,306
94 Arrow Financial Corporation Glens Falls, N.Y. 56.37 58.37 14,370 13,955 1.3 2,478,871
95 Bank of Marin Bancorp Novato, Calif. 56.40 60.88 12,010 11,857 3.8 1,943,602
96 S&T Bancorp, Inc. Indiana, Pa. 56.44 61.92 38,315 33,621 -33.7 6,479,162
97 Glacier Bancorp, Inc. Kalispell, Mont. 56.51 54.99 61,658 54,835 -7.3 9,120,383
98 City Holding Company Charleston, W.Va. 56.52 42.75 24,069 22,945 5.9 3,828,781
99 Allegiance Bancshares, Inc. Houston, Tex. 56.82 68.39 14,371 13,749 -6.2 2,209,686
  First York Ban Corp. York, Neb. 56.82 59.54 9,717 9,493 -1.7 1,424,405
101 First Farmers Financial Corporation Converse, Ind. 56.85 60.28 9,401 8,865 -14.2 1,486,341
102 Pinnacle Bancorp, Inc. Omaha, Neb. 56.90 57.46 56,677 50,115 -2.3 9,383,161
103 Silver Queen Financial Services, Inc. Greenwood Village, Colo. 56.91 79.22 4,210 4,464 -6.3 1,839,189
104 Longview Financial Corporation Longview, Tex. 56.97 62.52 13,675 12,901 0.2 2,263,105
105 Heritage Commerce Corp San Jose, Calif. 57.06 63.71 14,685 12,400 -13.7 2,327,333
106 BNC Bancorp High Point, N.C. 57.28 66.40 34,589 30,840 0.9 5,700,768
107 FirstBank Holding Company Lakewood, Colo. 57.30 57.35 91,099 85,691 -1.8 16,074,822
108 Commerce Bancshares Corp. Worcester, Mass. 57.33 60.37 9,248 8,712 -9.2 2,177,288
109 RBB Bancorp Los Angeles, Calif. 57.42 NA 7,685 NA 19.7 1,448,402
110 Cullen/Frost Bankers, Inc. San Antonio, Tex. 57.50 56.89 179,120 171,233 -37.9 28,477,488
111 First Bancorp, Inc. Lebanon, Va. 57.60 54.29 9,511 8,226 -21.4 1,497,724
112 Southside Bancshares, Inc. Tyler, Tex. 57.68 62.42 29,257 29,298 -6.3 5,019,012
113 Wells Fargo & Company San Francisco, Calif. 57.75 57.53 13,178,000 12,581,000 0.1 1,849,182,000
114 Central Community Corporation Temple, Tex. 57.95 58.70 8,320 8,098 1.4 1,476,938
115 Summit Financial Group, Inc. Moorefield, W.Va. 57.96 53.73 8,451 7,482 19.4 1,508,568
116 Valley View Bancshares, Inc. Overland Park, Kan. 58.00 59.12 16,411 16,352 -13.0 3,237,144
117 Bar Harbor Bankshares Bar Harbor, Maine 58.10 55.87 7,998 7,397 -23.4 1,622,493
118 Mercantile Bank Corporation Grand Rapids, Mich. 58.12 64.65 19,889 19,259 1.8 2,926,056
  Peoples Financial Services Corp. Scranton, Pa. 58.12 59.31 11,596 11,113 -16.6 1,858,067
120 M&T Bank Corporation Buffalo, N.Y. 58.21 60.97 758,057 672,458 4.7 124,625,632
121 Stock Yards Bancorp, Inc. Louisville, Ky. 58.25 56.47 19,977 17,967 -3.5 2,826,333
122 Bank of Hawaii Corporation Honolulu, Hawaii 58.29 61.35 89,001 87,000 -0.7 15,705,449
123 Washington Trust Bancorp, Inc. Westerly, R.I. 58.30 57.86 25,450 23,519 -14.8 3,839,059
124 Southern Missouri Bancorp, Inc. Poplar Bluff, Mo. 58.42 55.68 8,519 8,184 -14.5 1,344,610
125 Bankwell Financial Group, Inc. New Canaan, Conn. 58.48 66.35 7,029 6,943 -20.3 1,420,210
126 People's Utah Bancorp American Fork, Utah 58.52 59.43 12,107 11,217 -3.5 1,555,672
127 Pacific Continental Corporation Eugene, Ore. 58.71 73.84 12,005 11,918 -21.4 1,965,788
128 Central Bancompany, Inc. Jefferson City, Mo. 58.76 61.81 77,135 76,099 -2.9 12,106,043
129 Territorial Bancorp Inc. Honolulu, Hawaii 58.81 60.16 9,029 8,876 -6.0 1,850,108
130 TrustCo Bank Corp NY Glenville, N.Y. 59.01 56.76 24,943 23,239 -11.8 4,767,769
131 Wilson Bank Holding Co. Lebanon, Tenn. 59.10 55.80 13,763 12,100 -33.7 2,065,720
132 Sterling Bancorp Montebello, N.Y. 59.13 61.29 68,794 46,311 -9.9 12,874,990
133 Citigroup Inc. New York, N.Y. 59.27 56.02 10,914,000 11,351,000 0.7 1,800,967,000
134 Southern First Bancshares, Inc. Greenville, S.C. 59.34 66.09 7,359 6,806 -19.1 1,239,431
135 First Bancshares, Inc. Merrillville, Ind. 59.38 60.62 21,080 20,091 -10.0 3,186,423
136 First BanCorp. San Juan, P.R. 59.46 57.32 93,424 96,937 -21.5 12,714,370
137 QCR Holdings, Inc. Moline, Ill. 59.52 69.49 16,955 17,233 -25.8 2,640,673
138 Cadence Bancorp, LLC Houston, Tex. 59.58 69.52 54,127 59,192 -3.9 9,001,802
  National Commerce Corporation Birmingham, Ala. 59.58 70.83 12,053 9,285 -28.6 1,735,940
140 BB&T Corporation Winston-Salem, N.C. 59.68 59.95 1,545,537 1,420,567 -15.2 212,405,266
141 First Internet Bancorp Fishers, Ind. 59.74 63.74 7,099 6,465 -7.3 1,527,719
142 First Commonwealth Financial Corporation Indiana, Pa. 59.83 63.81 38,050 39,614 -11.0 6,699,154
143 Ironhorse Financial Group, Inc. Muskogee, Okla. 59.85 57.73 12,976 10,424 0.5 1,385,416
144 JPMorgan Chase & Co. New York, N.Y. 59.87 61.01 14,121,000 14,916,000 -3.4 2,423,808,000
145 Republic Bancorp Co. Oak Brook, Ill. 59.88 65.81 11,184 11,184 3.1 1,775,279
146 American National Bankshares Inc. Danville, Va. 59.94 61.97 9,813 10,052 -7.2 1,582,554
147 Simmons First National Corporation Pine Bluff, Ark. 59.95 78.12 62,117 60,105 7.9 7,537,076
148 Pacific Premier Bancorp, Inc. Irvine, Calif. 60.06 80.47 23,584 20,389 -9.6 3,563,085
149 Meridian Bancorp, Inc. Peabody, Mass. 60.08 65.46 19,494 18,205 4.4 3,729,680
150 Civista Bancshares Inc. Sandusky, Ohio 60.11 66.88 10,907 10,608 -3.9 1,506,896
151 United Community Bancorp, Inc. Chatham, Ill. 60.12 55.56 11,307 10,959 -5.4 1,798,121
152 First Guaranty Bancshares, Inc. Hammond, La. 60.13 58.65 8,062 7,844 -5.5 1,468,997
153 Heartland Bancorp, Inc. Bloomington, Ill. 60.14 53.28 22,415 17,686 -7.9 2,959,278
154 Paragon Commercial Corporation Raleigh, N.C. 60.19 60.71 6,600 5,883 3.3 1,343,204
155 BankUnited, Inc. Miami Lakes, Fla. 60.58 59.22 141,532 118,783 -2.9 24,819,488
156 BSB Bancorp, Inc. Belmont, Mass. 60.59 72.95 7,320 6,956 -67.7 1,916,234
157 First Financial Bancorp. Cincinnati, Ohio 60.64 61.52 50,841 47,700 -9.7 8,193,554
158 First Defiance Financial Corp. Defiance, Ohio 60.69 61.17 17,221 16,374 -2.0 2,358,931
159 CBFH, Inc. Beaumont, Tex. 60.72 64.26 18,203 17,725 -2.1 2,818,200
160 Chemical Financial Corporation Midland, Mich. 60.76 63.74 60,305 52,066 -5.4 9,303,632
161 United Community Banks, Inc. Blairsville, Ga. 60.79 61.16 58,023 44,476 -7.5 9,783,598
162 First Busey Corporation Champaign, Ill. 60.83 69.01 27,650 30,595 -23.9 3,890,630
163 BancFirst Corporation Oklahoma City, Okla. 60.90 63.85 47,509 44,653 -10.5 6,741,028
164 NBT Bancorp Inc. Norwich, N.Y. 61.04 63.13 58,501 57,927 -5.6 8,472,964
165 Cambridge Bancorp Cambridge, Mass. 61.07 69.59 13,991 13,007 72.8 1,771,193
166 Financial Institutions, Inc. Warsaw, N.Y. 61.15 60.20 21,130 18,948 -3.1 3,516,572
167 Third Federal Savings and Loan Association of Cleveland, MHC Cleveland, Ohio 61.16 65.20 44,733 46,274 4.5 12,466,521
168 Magnolia Banking Corporation Magnolia, Ark. 61.25 59.12 8,659 8,287 -6.7 1,262,888
169 Bryn Mawr Bank Corporation Bryn Mawr, Pa. 61.26 67.62 24,791 27,381 -7.2 3,058,247
170 American Bancor, Ltd. Dickinson, N.D. 61.27 64.04 13,051 10,606 -6.9 1,636,727
171 PNC Financial Services Group, Inc. Pittsburgh, Pa. 61.39 61.33 2,297,776 2,317,840 -2.8 361,187,040
172 Commerce Bancshares, Inc. Kansas City, Mo. 61.41 62.30 179,201 165,728 1.2 24,519,161
173 State Bank Financial Corporation Atlanta, Ga. 61.55 63.61 29,093 32,117 5.4 3,532,971
174 Minnwest Corporation Minnetonka, Minn. 61.60 65.54 10,633 9,958 -5.9 1,633,499
175 First National of Nebraska, Inc. Omaha, Neb. 61.64 62.09 213,515 198,272 -10.9 18,509,333
176 Southeastern Bank Financial Corporation Augusta, Ga. 61.66 61.81 11,712 11,132 -65.6 1,877,895
177 Farmers Capital Bank Corporation Frankfort, Ky. 61.68 77.18 14,027 14,810 17.8 1,772,702
  Popular, Inc. Hato Rey, P.R. 61.68 63.54 304,000 300,000 -8.1 36,147,000
179 Columbia Banking System, Inc. Tacoma, Wash. 61.70 62.31 66,098 68,567 -39.0 9,035,932
180 Camden National Corporation Camden, Maine 61.77 63.72 22,996 16,807 3.9 3,762,546
  First Farmers and Merchants Corporation Columbia, Tenn. 61.77 68.16 8,227 8,030 -2.1 1,303,393
182 WSFS Financial Corporation Wilmington, Del. 61.84 64.31 43,249 39,087 3.7 5,686,188
183 IBERIABANK Corporation Lafayette, La. 61.85 74.76 138,402 133,983 -5.4 20,092,563
184 Bremer Financial Corporation Saint Paul, Minn. 61.87 60.87 74,219 70,481 14.5 10,929,047
  First Community Bancshares, Inc. Bluefield, Va. 61.87 61.82 18,151 17,604 -5.6 2,470,287
  Webster Financial Corporation Waterbury, Conn. 61.87 60.24 152,096 133,806 -7.6 24,940,906
187 Independent Bank Corp. Rockland, Mass. 61.91 79.69 47,205 54,733 -9.3 7,189,268
188 Regions Financial Corporation Birmingham, Ala. 61.93 68 895,630 885,269 -5.8 125,747,379
189 First Interstate BancSystem, Inc. Billings, Mont. 62.09 63.19 60,175 59,933 3.4 8,683,323
190 Berkshire Hills Bancorp, Inc. Pittsfield, Mass. 62.12 75.01 46,970 44,912 -10.2 7,817,319
191 Charles Schwab Corporation San Francisco, Calif. 62.15 67.67 1,106,000 1,041,000 -6.5 190,998,000
192 South State Corporation Columbia, S.C. 62.22 62.88 71,560 69,646 -12.7 8,678,296
193 RCB Holding Company, Inc. Claremore, Okla. 62.24 62.87 16,030 15,795 11.5 2,545,707
194 Red River Bancshares, Inc. Alexandria, La. 62.35 63.68 9,384 8,963 -18.3 1,563,048
195 Midland Financial Co. Oklahoma City, Okla. 62.41 63.26 84,575 86,908 -4.8 11,988,136
196 CNB Financial Corporation Clearfield, Pa. 62.43 58.55 14,180 13,086 0.5 2,301,012
197 Suffolk Bancorp Riverhead, N.Y. 62.44 67.01 13,152 13,108 -19.7 2,256,386
198 Tompkins Financial Corporation Ithaca, N.Y. 62.53 65.85 39,506 39,692 -3.7 5,764,971
199 Fishback Financial Corporation Brookings, S.D. 62.55 60.92 15,616 15,102 2.6 2,080,885
200 First Citizens Bancshares, Inc. Dyersburg, Tenn. 62.57 65.65 10,467 10,560 -6.2 1,558,295


Note: Only top-tier holding companies that file a Y-9C statement with the Fed as of Aug. 1, 2016, are included. *Noninterest expense divided by (total income minus interest expense). Figures for prior periods are not adjusted for mergers and acquisitions.

Source:

SNL Financial
, Charlottesville, Va.
© 2016 American Banker

Banks, thrifts and holding companies