Most Efficient Bank Holding Companies
December 28, 2005, 10:08 a.m. EST 1 Min Read
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Most Efficient Bank Holding Companies
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Published December 28, 2005 | |||||||
Related Table: Most Improved in Efficiency and Noninterest Expense | |||||||
Rank | Efficiency ratio* | Noninterest expense | June 30 assets | ||||
2Q 2005 | Year earlier | 2Q 2005 | Year earlier | Change | |||
1 | First Financial Holdings Renton, Wash. | 19.84% | 17.41% | $1,946 | $1,584 | 22.85% | $789,182 |
2 | Corus Bankshares Inc. Chicago | 24.92 | 34.23 | 29,305 | 28,423 | 3.10 | 6,504,221 |
3 | Intervest Bancshares Corp. New York | 25.15 | 25.43 | 5,123 | 3,963 | 29.27 | 1,511,604 |
4 | Amboy Bancorp. Old Bridge, N.J. | 25.85 | 34.95 | 14,381 | 17,247 | -16.62 | 2,643,539 |
5 | W Holding Co. Inc. Mayaguez, Puerto Rico | 28.50 | 30.36 | 50,622 | 48,479 | 4.42 | 15,272,044 |
6 | New York Community Bancorp Inc. Westbury | 28.77 | 19.80 | 105,437 | 100,428 | 4.99 | 25,210,431 |
7 | SBC Inc. Countryside, Ill. | 28.99 | 31.94 | 6,971 | 6,127 | 13.78 | 999,519 |
8 | Florida Community Banks Inc. Immokalee | 29.72 | 36.53 | 6,047 | 5,876 | 2.91 | 789,272 |
9 | Bank of Highland Park Financial Ill. | 33.76 | 34.08 | 3,869 | 3,939 | -1.78 | 778,172 |
10 | Stearns Financial Services St. Cloud, Minn. | 35.38 | 40.17 | 16,391 | 15,039 | 8.99 | 1,388,041 |
11 | West Bancorp. Inc. West Des Moines, Iowa | 35.85 | 37.82 | 9,205 | 8,662 | 6.27 | 1,187,793 |
12 | Cathay General Bancorp Los Angeles | 36.41 | 40.23 | 46,948 | 45,550 | 3.07 | 6,073,302 |
13 | Hillcrest Bancshares Inc. Overland Park, Kan. | 36.56 | 46.51 | 9,158 | 9,768 | -6.24 | 1,195,558 |
14 | Westamerica Bancorp. San Rafael, Calif. | 37.58 | 39.99 | 51,898 | 52,186 | -0.55 | 5,196,691 |
15 | Pacific Capital Bancorp Santa Barbara, Calif. | 37.61 | 46.53 | 101,873 | 91,813 | 10.96 | 6,168,802 |
16 | INB Financial Corp. McAllen, Tex. | 38.81 | 43.12 | 10,690 | 8,669 | 23.31 | 989,765 |
17 | North Fork Bancorp. Melville, N.Y. | 38.87 | 35.98 | 496,744 | 185,994 | 167.08 | 60,385,689 |
18 | Northern Empire Bancshares Santa Rosa, Calif. | 39.22 | 37.03 | 9,603 | 7,491 | 28.19 | 1,187,300 |
19 | Wilshire Bancorp Inc. Los Angeles | 40.36 | NA | 15,400 | NA | NA | 1,457,020 |
20 | Silver State Bancorp Henderson, Nev. | 40.41 | 58.58 | 8,408 | 7,370 | 14.08 | 727,632 |
21 | East West Bancorp Inc. San Marino, Calif. | 40.75 | 41.41 | 57,026 | 42,192 | 35.16 | 6,701,685 |
22 | Big Sandy Holding Co. Limon, Colo. | 41.17 | 41.83 | 7,228 | 4,610 | 56.79 | 827,783 |
23 | First Bancorp San Juan, Puerto Rico | 41.29 | 41.87 | 108,217 | 88,830 | 21.82 | 18,822,119 |
24 | Hanmi Financial Corp. Los Angeles | 41.42 | 53.06 | 33,710 | 28,643 | 17.69 | 3,251,747 |
25 | Frontier Financial Corp. Everett, Wash. | 41.80 | 42.40 | 27,492 | 24,338 | 12.96 | 2,508,821 |
26 | First Regional Bancorp.Los Angeles | 42.10 | 64.05 | 16,808 | 14,131 | 18.94 | 1,450,537 |
27 | Delta Bancshares Co. St. Louis | 42.44 | 44.19 | 4,953 | 4,909 | 0.90 | 769,146 |
28 | RCB Corp. Sacramento, Calif. | 43.04 | 72.11 | 11,249 | 11,183 | 0.59 | 753,705 |
29 | S&T Bancorp Inc. Indiana, Pa. | 43.13 | 43.15 | 31,421 | 29,564 | 6.28 | 3,079,663 |
30 | Ocean Bankshares Inc. Miami | 43.22 | 44.92 | 52,975 | 49,526 | 6.96 | 4,882,938 |
31 | United National Corp. Sioux Falls, S.D. | 43.36 | 42.78 | 154,225 | 129,839 | 18.78 | 1,047,984 |
32 | Bank of the Ozarks Inc. Little Rock | 43.99 | 47.15 | 19,504 | 17,993 | 8.40 | 1,902,817 |
33 | UCBH Holdings Inc. San Francisco | 44.09 | 41.82 | 58,505 | 45,466 | 28.68 | 7,040,457 |
Orion Bancorp Inc. Naples, Fla. | 44.09 | 53.89 | 13,747 | 12,938 | 6.25 | 1,434,265 | |
35 | United Bankshares Inc. Charleston, W.Va. | 44.24 | 51.17 | 59,335 | 76,391 | -22.33 | 6,528,700 |
36 | Republic Bancorp Inc. Owosso, Mich. | 44.88 | 46.13 | 44,131 | 44,401 | -0.61 | 6,075,228 |
37 | City National Bancshares Miami | 44.88 | 44.41 | 25,362 | 23,630 | 7.33 | 2,837,681 |
38 | U.S. Bancorp Minneapolis | 45.07 | 42.78 | 2,931,000 | 2,696,100 | 8.71 | 203,981,000 |
39 | Hudson Valley Holding Corp. Yonkers, N.Y. | 45.17 | 45.53 | 21,386 | 17,458 | 22.50 | 1,988,986 |
40 | Gold Banc Corp. Inc. Leawood, Kan. | 45.30 | 72.10 | 49,007 | 72,076 | -32.01 | 4,094,592 |
41 | Georgian Bancorp. Inc. Powder Springs, Ga. | 45.47 | 64.43 | 7,138 | 4,440 | 60.77 | 954,537 |
42 | United Bancorp. of Wyoming Jackson | 45.86 | 51.02 | 11,540 | 10,532 | 9.57 | 1,031,769 |
43 | Ames National Corp. Ames, Iowa | 45.97 | 43.74 | 7,638 | 7,331 | 4.19 | 835,312 |
44 | Valley View Bancshares Inc. Overland Park, Kan. | 46.00 | 47.44 | 26,550 | 25,887 | 2.56 | 2,453,839 |
45 | NSB Holding Corp. Staten Island, N.Y. | 46.04 | 43.09 | 10,942 | 9,991 | 9.52 | 1,522,271 |
46 | Stockman Financial Corp. Miles City, Mont. | 46.13 | 53.49 | 11,612 | 11,583 | 0.25 | 1,055,748 |
47 | Parkway Bancorp Inc. Harwood Heights, Ill. | 46.55 | 46.34 | 15,265 | 14,208 | 7.44 | 1,583,993 |
48 | ANB Bancshares Inc. Rogers, Ark. | 46.82 | 51.76 | 9,933 | 8,625 | 15.17 | 790,357 |
49 | CVB Financial Corp. Ontario, Calif. | 46.84 | 49.38 | 51,907 | 46,041 | 12.74 | 4,811,854 |
50 | City Holding Co. Charleston, W.Va. | 46.98 | 47.67 | 32,920 | 33,761 | -2.49 | 2,508,448 |
51 | FSB Mutual Holdings Inc. Perkasie, Pa. | 47.25 | 51.83 | 6,247 | 6,348 | -1.59 | 966,745 |
52 | Center Financial Corp. Los Angeles | 47.37 | 56.57 | 18,874 | 15,849 | 19.09 | 1,502,755 |
Virginia Commerce Bancorp Arlington | 47.37 | 47.81 | 13,784 | 10,326 | 33.49 | 1,394,030 | |
54 | First South Bancorp Inc. Washington, N.C. | 47.41 | 51.01 | 10,272 | 9,698 | 5.92 | 792,399 |
55 | Mercantile Bank Corp. Grand Rapids, Mich. | 47.78 | 47.94 | 14,045 | 10,555 | 33.06 | 1,709,157 |
56 | FirstBank Holding Co. Lakewood, Colo. | 47.92 | 50.08 | 87,698 | 86,138 | 1.81 | 7,101,386 |
57 | Porter Bancorp Inc. Shepherdsville, Ky. | 48.20 | 52.67 | 9,852 | 8,538 | 15.39 | 951,550 |
58 | PrivateBancorp Inc. Chicago | 48.27 | 49.34 | 25,482 | 21,761 | 17.10 | 3,202,072 |
59 | Central Coast Bancorp Salinas, Calif. | 48.35 | 50.99 | 14,483 | 12,127 | 19.43 | 1,248,599 |
60 | Lone Star National Bancshares of Texas Pharr | 48.59 | 53.94 | 12,596 | 10,572 | 19.14 | 1,152,574 |
61 | Park National Corp. Newark, Ohio | 48.78 | 46.23 | 68,738 | 61,820 | 11.19 | 5,633,319 |
62 | Royal Bancshares of Pennsylvania Inc. Narberth | 48.82 | 46.18 | 13,588 | 12,377 | 9.78 | 1,263,713 |
63 | Great Southern Bancorp Inc. Springfield, Mo. | 48.86 | 46.18 | 21,351 | 18,931 | 12.78 | 2,004,337 |
American National Corp. Omaha | 48.86 | 49.48 | 17,729 | 17,038 | 4.06 | 1,480,796 | |
65 | First Citizens Financial Corp. Mason City, Iowa | 48.88 | 48.03 | 7,291 | 7,170 | 1.69 | 775,398 |
66 | Mercantile Bankshares Corp. Baltimore | 49.12 | 50.43 | 204,066 | 186,753 | 9.27 | 16,092,994 |
67 | Texas Regional Bancshares McAllen | 49.18 | 51.39 | 80,002 | 65,371 | 22.38 | 6,226,165 |
68 | Olney Bancshares of Texas | 49.35 | 57.83 | 7,182 | 6,720 | 6.88 | 952,865 |
69 | Prosperity Bancshares Inc. Houston | 49.58 | 47.29 | 33,590 | 24,472 | 37.26 | 3,455,669 |
70 | Camden National Corp. Camden, Maine | 49.62 | 53.25 | 15,745 | 15,763 | -0.11 | 1,586,984 |
71 | ITLA Capital Corp. La Jolla, Calif. | 49.63 | 41.49 | 22,280 | 23,482 | -5.12 | 2,849,163 |
72 | Minnwest Corp. Minnetonka, Minn. | 49.66 | 49.23 | 12,292 | 10,941 | 12.35 | 1,095,572 |
73 | Valley National Bancorp Wayne, N.J. | 49.69 | 48.27 | 116,122 | 107,878 | 7.64 | 12,267,025 |
NEB Corp. Fond du Lac, Wis. | 49.69 | 60.69 | 13,350 | 14,285 | -6.55 | 1,105,926 | |
75 | Hometown Community Bancorp Morton, Ill. | 49.76 | 51.36 | 7,639 | 7,263 | 5.18 | 1,140,411 |
76 | Associated Banc-Corp Green Bay, Wis. | 50.02 | 47.74 | 237,576 | 178,871 | 32.82 | 20,775,692 |
Commercial Bankshares Inc. Miami | 50.02 | 47.90 | 9,189 | 8,235 | 11.58 | 963,869 | |
78 | First Midwest Bancorp Inc. Itasca, Ill. | 50.13 | 52.05 | 80,702 | 79,950 | 0.94 | 7,075,693 |
79 | Bank of America Corp. Charlotte | 50.32 | 56.08 | 14,066,242 | 12,621,714 | 11.44 | 1,251,037,147 |
80 | Vineyard National Bancorp Rancho Cucamonga, Calif. | 50.42 | 49.99 | 16,752 | 13,169 | 27.21 | 1,620,760 |
81 | Glacier Bancorp Inc. Kalispell, Mont. | 50.47 | 50.66 | 44,212 | 37,593 | 17.61 | 3,531,935 |
82 | Villages Bancorp. Inc. Lady Lake, Fla. | 50.63 | 51.91 | 7,643 | 6,255 | 22.19 | 754,431 |
83 | Republic Bancorp Inc. Louisville | 50.78 | 52.12 | 35,010 | 33,123 | 5.70 | 2,594,403 |
84 | MBT Financial Corp. Monroe, Mich. | 50.99 | 47.18 | 17,166 | 15,807 | 8.60 | 1,583,533 |
85 | Cascade Bancorp Bend, Ore. | 51.05 | 53.99 | 17,150 | 14,879 | 15.26 | 1,164,841 |
86 | Suffolk Bancorp Riverhead, N.Y. | 51.12 | 51.97 | 18,758 | 18,311 | 2.44 | 1,417,962 |
87 | U.S.B. Holding Co. Inc. Orangeburg, N.Y. | 51.19 | 52.95 | 26,417 | 24,828 | 6.40 | 2,878,782 |
88 | American Chartered Bancorp Schaumburg, Ill. | 51.20 | 53.98 | 18,034 | 15,691 | 14.93 | 1,833,015 |
89 | First Financial Bankshares Inc. Abilene, Tex. | 51.30 | 51.84 | 37,407 | 32,388 | 15.50 | 2,425,817 |
90 | Crews Banking Corp. Wauchula, Fla. | 51.31 | 57.02 | 13,263 | 11,576 | 14.57 | 1,039,339 |
91 | Horizon Financial Corp Bellingham, Wash. | 51.52 | 50.29 | 11,721 | 10,017 | 17.01 | 1,027,958 |
92 | First Busey Corp. Urbana, Ill. | 51.58 | 52.72 | 23,226 | 19,643 | 18.24 | 2,027,862 |
93 | Nara Bancorp Inc. Los Angeles | 51.61 | 56.10 | 23,834 | 21,570 | 10.50 | 1,717,381 |
94 | Independent Alliance Banks Fort Wayne, Ind. | 51.63 | 52.25 | 6,378 | 5,191 | 22.87 | 822,476 |
95 | Boiling Springs MHC Rutherford, N.J. | 51.83 | 53.99 | 9,829 | 9,809 | 0.20 | 1,148,753 |
96 | Central Pacific Financial Honolulu | 52.01 | 51.75 | 58,151 | 27,925 | 108.24 | 4,918,781 |
97 | First National Community Bancorp Dunmore, Pa. | 52.01 | 55.87 | 9,133 | 8,332 | 9.61 | 955,334 |
98 | Southwest Bancorp Inc. Stillwater,. Okla. | 52.16 | 53.78 | 26,209 | 21,115 | 24.13 | 2,038,295 |
99 | Harleysville Savings Financial Corp. Pa. | 52.30 | 53.08 | 4,014 | 3,762 | 6.70 | 755,533 |
100 | Security National Corp. Sioux City, Iowa | 52.39 | 52.27 | 11,040 | 11,102 | -0.56 | 826,414 |
101 | First National Security Co. De Queen, Ark. | 52.40 | 44.76 | 6,637 | 5,176 | 28.23 | 862,388 |
102 | Fifth Third Bancorp Cincinnati | 52.47 | 48.85 | 1,431,752 | 1,417,542 | 1.00 | 103,159,676 |
103 | Taylor Capital Group Inc. Rosemont, Ill. | 52.53 | 66.35 | 34,500 | 37,435 | -7.84 | 3,073,989 |
104 | Berkshire Bancorp Inc. New York | 52.61 | 49.97 | 6,571 | 6,134 | 7.12 | 1,002,927 |
105 | Cascade Financial Corp Everett, Wash. | 52.65 | 57.63 | 11,189 | 10,028 | 11.58 | 1,158,819 |
106 | First National Lincoln Corp. Damariscotta, Maine | 52.72 | 49.37 | 10,513 | 6,358 | 65.35 | 958,572 |
107 | International Bancshares Corp. Laredo, Tex. | 52.85 | 51.51 | 124,858 | 78,822 | 58.41 | 10,272,677 |
108 | Bank of Hawaii Corp. Honolulu | 52.88 | 59.18 | 164,745 | 187,011 | -11.91 | 10,059,798 |
109 | AmSouth Bancorp. Birmingham, Ala. | 52.90 | 55.18 | 634,546 | 634,213 | 0.05 | 50,559,721 |
110 | Shore Bancshares Inc. Easton, Md. | 53.02 | 56.26 | 12,348 | 10,798 | 14.35 | 819,795 |
111 | EuroBancshares Inc. Hato Rey, Puerto Rico | 53.29 | 54.51 | 22,141 | 16,239 | 36.34 | 2,275,586 |
112 | City National Corp. Beverly Hills | 53.42 | 52.59 | 214,669 | 190,173 | 12.88 | 14,478,873 |
113 | Lauritzen Corp. Omaha | 53.44 | 51.33 | 28,617 | 25,074 | 14.13 | 1,205,158 |
114 | City Bancorp Springfield, Mo. | 53.48 | 59.05 | 7,441 | 5,852 | 27.15 | 765,780 |
115 | Bank of Granite Corp. Granite Falls, N.C. | 53.49 | 55.04 | 15,560 | 15,108 | 2.99 | 1,069,897 |
116 | First Bank Corp. Fort Smith, Ark. | 53.50 | 55.41 | 18,048 | 16,033 | 12.57 | 1,214,751 |
117 | National Bankshares Inc. Blacksburg, Va. | 53.52 | 50.14 | 11,230 | 9,611 | 16.85 | 819,574 |
118 | Columbia Bancorp The Dalles, Ore. | 53.52 | 55.69 | 13,406 | 11,404 | 17.56 | 782,747 |
119 | Harleysville National Corp. Pa. | 53.54 | 51.14 | 32,396 | 28,410 | 14.03 | 3,032,588 |
120 | M&T Bank Buffalo | 53.56 | 56.18 | 720,627 | 728,653 | -1.11 | 54,481,946 |
121 | Brand Group Holdings Inc. Lawrenceville, Ga. | 53.58 | 55.44 | 9,457 | 1,361 | 594.86 | 724,668 |
122 | CBS Banc-Corp. Russellville, Ala. | 53.64 | 54.25 | 7,063 | 6,948 | 1.66 | 738,912 |
123 | Yardville National Bancorp Hamilton, N.J. | 53.88 | 56.37 | 24,098 | 20,871 | 15.46 | 2,930,412 |
124 | Main Street Banks Inc. Kennesaw, Ga. | 54.22 | 57.26 | 32,803 | 31,372 | 4.56 | 2,372,970 |
125 | American State Financial Corp. Lubbock, Tex. | 54.29 | 55.52 | 22,837 | 22,577 | 1.15 | 1,859,187 |
126 | Mid-State Bancshares Arroyo Grande, Calif. | 54.53 | 60.98 | 37,713 | 40,843 | -7.66 | 2,351,096 |
127 | BB&T Corp. Winston-Salem, N.C. | 54.62 | 54.74 | 1,554,844 | 1,488,022 | 4.49 | 105,835,324 |
128 | Macon Bancorp Franklin, N.C. | 54.72 | 63.76 | 9,553 | 8,985 | 6.32 | 852,231 |
129 | CNB Corp. Conway, S.C. | 54.74 | 55.84 | 9,402 | 8,631 | 8.93 | 721,070 |
130 | Hills Bancorp. Hills, Iowa | 54.83 | 56.58 | 15,604 | 15,146 | 3.02 | 1,367,224 |
131 | Chemical Financial Corp. Midland, Mich. | 54.84 | 54.53 | 50,311 | 51,157 | -1.65 | 3,722,100 |
Arrow Financial Corp. Glens Falls, N.Y. | 54.84 | 51.16 | 17,665 | 16,300 | 8.37 | 1,454,305 | |
133 | Capital One Financial Corp McLean, Va. | 54.86 | NA | 2,641,145 | NA | NA | 56,995,967 |
134 | Comerica Inc. Detroit | 55.23 | 55.45 | 759,841 | 740,904 | 2.56 | 55,111,472 |
135 | Hibernia Corp. New Orleans | 55.27 | 53.89 | 354,345 | 306,159 | 15.74 | 22,084,608 |
136 | Durant Bancorp Durant, Okla. | 55.28 | 49.76 | 17,517 | 13,392 | 30.80 | 1,296,477 |
137 | Macatawa Bank Corp. Holland, Mich. | 55.43 | 59.35 | 21,112 | 17,846 | 18.30 | 1,780,632 |
138 | Massbank Corp. Reading, Mass. | 55.44 | 57.69 | 6,404 | 6,120 | 4.64 | 930,061 |
Univest Corp. of Pennsylvania Souderton | 55.54 | 58.31 | 23,101 | 23,410 | -1.32 | 1,699,635 | |
140 | Compass Bancshares Birmingham, Ala. | 55.58 | 56.68 | 443,651 | 418,464 | 6.02 | 29,586,124 |
141 | South Financial Group Greenville, S.C. | 55.59 | 53.20 | 146,045 | 111,737 | 30.70 | 14,882,469 |
142 | Fishback Financial Corp Brookings, S.D. | 55.59 | 54.19 | 16,084 | 13,631 | 18.00 | 916,826 |
143 | First Olathe Bancshares Inc. Overland Park, Kan. | 55.62 | 50.54 | 15,490 | 14,474 | 7.02 | 1,307,025 |
144 | Zions Bancorp. Salt Lake City | 55.75 | 57.36 | 482,531 | 451,845 | 6.79 | 32,875,294 |
145 | Smithtown Bancorp Inc. Hauppauge, N.Y. | 55.75 | 49.05 | 10,596 | 7,025 | 50.83 | 794,582 |
146 | Columbia Bancorp Md. | 55.77 | 59.34 | 16,802 | 15,047 | 11.66 | 1,284,115 |
147 | First National Bank Group Edinburg, Tex. | 55.84 | 46.40 | 35,270 | 26,527 | 32.96 | 2,873,624 |
148 | Stark Bank Group Ltd. Fort Dodge, Iowa | 55.87 | 58.94 | 11,613 | 10,414 | 11.51 | 1,091,276 |
Wilson Bank Holding Co. Lebanon, Tenn. | 55.87 | 55.74 | 12,056 | 11,418 | 5.59 | 990,091 | |
150 | West Suburban Bancorp Inc. Lombard, Ill. | 55.88 | 55.46 | 22,562 | 21,883 | 3.10 | 1,781,603 |
Notes: Includes only bank holding companies filing Y-9C reports with the Federal Reserve at the highest reporting level. Excludes S&L holding companies and bank holding companies owned by foreign holding companies.
* Noninterest expense divided by (total income minus interest expense)
Source: Highline Banking Data Services (877-305-6657)
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