Most Efficient Bank holding Companies out of the Largest 500

View Table
Printer Friendly Version
Most Efficient Bank holding Companies out of the Largest 500

Most Efficient Bank holding Companies out of the Largest 500
Data as of 31. Dollar amounts in thousands ($000)
Only companies that file Y9-C reports to the Federal Reserve were included
Published May 31, 2001

Rank  Company

Efficiency
ratio
Dec '00 

Efficiency ratio
Dec '99 

Noninterest expense
Dec '00 

Noninterest expense
Dec '99  

Noninterest expense
% change 

Dec. '00
assets ($000)
 

1 Hershenhorn Bancorp Palatine, Ill. 12.37% 16.85% $7,949 $7,135 11.41% $1,256,692
2 West Bancorp West Des Moines 27.98 27.89 9,595 9,515 0.84 828,046
3 Amboy Bancorp Old Bridge, N.J. 29.02 33.02 19,099 21,291 -10.3 1,483,466
4 Hudson City Paramus, N.J. 30.58 28.35 79,160 68,693 15.24 9,380,265
5 GBC Bancorp Los Angeles 34.23 39.66 38,349 34,555 10.98 1,969,106
6 Corus Bankshares Chicago 34.62 49.77 54,654 63,095 -13.38 2,598,467
7 Cathay Bancorp Los Angeles 36.97 36.71 39,008 32,494 20.05 2,206,834
8 MBT Financial Corp Monroe, Mich. 37.05

N/A

23,103 N/A

N/A

1,380,535
9 Bank of Granite Corp.
Granite Falls, N.C.
37.35 40.76 17,340 17,707 -2.07 661,652
10 United National Corp.
Sioux Falls, S.D.
37.4 29.57 128,852 54,885 134.77 731,055
11 Trustco Bank Corp.
Schenectady, N.Y.
38.59 38.68 47,767 45,636 4.67 2,461,610
12 NSB Holding Corp . Ithaca, N.Y. 38.96 44.49 9,545 10,591 -9.88 733,018
13 Valley View Bancshares
Overland Park, Kan.
39.58 40.05 39,539 33,283 18.8 2,026,714
14 China Trust Holdings NV New York 39.82 46.18 29,723 27,530 7.97 1,636,865
15 Brookline Bancorp Brookline, Mass. 40.61 37.08 17,399 14,617 19.03 1,036,830
16 Silicon Valley Bancshares
Santa Clara, Calif.
40.7 47.23 197,690 125,659 57.32 5,642,087
17 Delta Bancshares Co. St. Louis 41.4 42.52 8,577 8,254 3.91 654,018
18 S & T Bancorp. Indiana, Pa. 41.41 41.27 45,731 43,342 5.51 2,310,294
19 Merchants N.Y. Bancorp. New York 41.67 44.96 28,076 26,773 4.87 1,476,790
20 North Fork Bancorp. Melville, N.Y. 43.47 34.79 301,765 178,075 69.46 14,840,962
21 Frontier Financial Corp.
Everett, Wash.
43.67 40.66 38,563 28,321 36.16 1,690,943
22 City National Bancshares Miami 44.54 47.56 40,441 37,309 8.39 1,856,422
  Fifth Third Bancorp Cincinnati 44.54 48.53 1,118,821 1,121,956 -0.28 45,856,906
24 Valley National Bancorp Wayne, N.J. 45.09 44.92 141,015 137,946 2.22 6,425,837
25 BSB Bancorp. Binghamton, N.Y. 45.11 50.62 47,531 50,802 -6.44 2,318,144
26 Mercantile Bankshares Corp. Baltimore 45.17 46.58 243,505 230,420 5.68 8,938,030
27 UCBH Holdings San Francisco 45.19 48.99 40,099 37,198 7.8 2,502,119
28 Medford Bancorp. Medford, Mass. 45.45 51.48 19,931 19,226 3.67 1,310,749
  Capital Holdings Sylvania, Ohio 45.45 46.57 16,431 14,786 11.13 1,137,109
30 Texas Regional Bancshares
Mcallen, Tex.
45.63 46.05 54,280 46,447 16.86 2,426,097
31 Stearns Financial Services
St. Cloud, Minn.
46.03 41.62 23,602 20,048 17.73 923,755
32 Hillcrest Bancshares
Overland Park, Kan.
46.14 50.98 17,254 13,634 26.55 817,892
33 Mississippi Valley Bancshares
St. Louis
46.18 41.1 32,138 28,454 12.95 1,889,121
34 W Holding Co. Mayaguez, P.R. 46.38 46.41 51,942 52,923 -1.85 4,260,857
35 Financial Institutions Warsaw, N.Y. 46.44 47.42 30,066 26,954 11.55 1,289,327
36 Investors Bancorp Millburn, N.J. 46.48 43.98 33,717 33,323 1.18 4,832,518
37 Massbank Corp. Reading, Mass. 46.55 47.1 12,467 12,507 -0.32 940,872
38 First Independent Invest Group Vancouver, Wash. 46.65 48.46 17,346 16,571 4.68 675,334
39 Central Coast Bancorp
Salinas, Calif.
46.74 50.95 17,394 16,043 8.42 706,693
40 United Bankshares
Charleston, W.Va.
47 49.31 110,422 117,519 -6.04 4,904,547
41 Charter One Financial Cleveland 47.02 51.3 609,029 635,283 -4.13 33,033,878
42 First National Bancshares East Lansing, Mich. 47.22 42.51 23,883 19,279 23.88 880,793
43 FBOP Corp. Oak Park, Ill. 47.34 47.7 126,341 113,311 11.5 5,515,312
44 National City Bancorp. Minneapolis 47.47 48.3 29,953 29,090 2.97 1,193,612
45 Park National Corp. Newark, Ohio 47.56 46.19 82,919 67,540 22.77 3,211,068
46 Stockman Financial Corp.
Miles City, Mont.
47.74 48.16 13,112 11,106 18.06 670,477
47 Comerica Inc. Detroit 47.75 49.36 1,188,370 1,116,957 6.39 42,032,150
48 International Bancshares
Laredo, Tex.
47.78 48.88 112,042 106,992 4.72 5,860,714
49 United Bancorporation of Wyo. Jackson, Wyo. 47.8 48.51 16,805 14,711 14.23 689,174
50 U.S.B. Holding Co. Orangeburg, N.Y. 47.98 49.53 31,777 29,273 8.55 1,886,265
51 CVB Financial Corp. Ontario, Calif. 48.06 58.2 59,143 66,260 -10.74 2,307,996
52 Great Southern Bancorp
Springfield, Mo.
48.1 52.2 25,210 25,167 0.17 1,130,616
53 Security Banc Corp.
Springfield, Ohio
48.11 47.02 24,477 23,548 3.95 994,751
54 American National Corp. Omaha 48.28 49.28 17,567 16,905 3.92 718,480
55 Firstar Corp. Milwaukee 48.29 55.48 2,056,301 2,278,569 -9.75 77,584,892
56 Andover Bancorp Andover, Mass. 48.3 42 27,851 21,722 28.22 1,825,024
57 First Bancorp San Juan, P.R. 48.61 46.72 113,688 101,752 11.73 5,919,657
58 East-West Bancorp
San Marino, Calif.
48.94 47.81 53,431 42,428 25.93 2,485,971
59 Hanmi Financial Corp. Los Angeles

48.99

N/A

27,571

N/A

N/A

1,034,354
60 Lauritzen Corp. Omaha 49.12 47.16 38,715 37,596 2.98 1,169,001
61 CIB Marine Bancshares
Pewaukee, Wis.
49.34 54.2 41,497 33,215 24.93 2,367,882
62 NEB Corp. Fond du Lac, Wis. 49.53 79.87 21,419 30,090 -28.82 909,543
63 Hudson Valley Holding Corp. Yonkers, N.Y. 49.57 51.09 25,578 23,411 9.26 1,294,357
64 Centennial Bancorp Portland, Ore. 49.68 51.15 26,840 22,792 17.76 852,612
65 Minnwest Corp. Minnetonka, Minn. 49.72 50.31 16,863 15,294 10.26 774,068
66 Emigrant Bancorp New York 49.9 49.05 138,075 125,690 9.85 8,238,255
67 Pacific Crest Capital
Agoura Hills, Calif.
50.05 53.4 9,669 10,867 -11.02 649,187
68 Bankfirst Corp. Sioux Falls, S.D. 50.12 51.74 151,225 132,592 14.05 765,810
69 First Community Bancshares Bluefield, Va. 50.16 47.37 31,468 27,727 13.49 1,217,462
70 First Financial Corp.
Terre Haute, Ind.
50.8 52.4 42,703 43,543 -1.93 2,043,267
71 Firstmerit Corp. Akron, Ohio 50.95 59.72 278,542 322,132 -13.53 10,215,421
72 Great Western Securities Omaha 51.01 60.26 20,330 19,420 4.69 668,322
73 Cummins-American Corp.
Glenview, Ill.
51.08 54.39 21,178 20,325 4.2 743,311
74 Bank of New York Co. New York 51.16 42.06 2,478,911 2,107,280 17.64 77,113,797
75 Dickinson Financial Corp.
Kansas City, Mo.
51.2 50.36 84,699 73,925 14.57 2,773,647
Rank  Company

Efficiency
ratio
Dec '00 

Efficiency ratio
Dec '99 

Noninterest expense
Dec '00 

Noninterest expense
Dec '99  

Noninterest expense
% change 

Dec. '00
assets ($000)
 

76 Westamerica Bancorp.
San Rafael, Calif.
51.26% 43.60% $140,373 $100,133 40.19% $4,040,963
  West Suburban Bancorp.
Lombard, Ill.
51.26 49.89 34,327 32,864 4.45 1,431,956
78 Security National Corp.
Sioux City, Iowa
51.3 55.41 20,139 21,234 -5.16 767,180
79 Doral Financial Corp. San Juan, P.R. 51.52 55.13 106,659 97,558 9.33 5,463,386
80 Fulton Financial Corp. Lancaster, Pa. 51.57 52.67 165,022 160,988 2.51 6,571,155
81 Camden National Corp.
Camden, Maine
51.72 58.63 25,336 27,604 -8.22 1,010,883
82 Trinity Capital Corp.
Los Alamos, N.M.
51.78 53.54 14,588 13,372 9.09 678,809
83 State Bancorp New Hyde Park, N.Y. 51.86 51.21 21,947 20,427 7.44 1,021,223
84 Horizon Financial Corp
Bellingham, Wash.
52.02 49.98 13,894 13,105 6.02 733,427
85 Parkway Bancorp
Harwood Heights, Ill.
52.16 50.48 23,888 21,648 10.35 1,187,582
86 First Citizens Financial Corp.
Mason City, Iowa
52.29 50.56 12,033 11,519 4.46 716,399
87 New York Comm Bancorp
Westbury, N.Y.
52.64 29.98 49,824 21,388 132.95 4,715,138
88 Summit Bancorp.
Princeton, N.J.
52.73 52.37 957,208 869,490 10.09 39,668,367
89 Suffolk Bancorp Riverhead, N.Y. 52.76 56.95 32,090 30,717 4.47 1,047,982
90 Greater Bay Bancorp Palo Alto, Calif. 52.86 58.58 144,879 80,784 79.34 5,130,378
91 First Financial Bankshares
Abilene, Tex.
52.93 55.4 51,692 51,933 -0.46 1,753,814
  Prosperity Bancshares Houston 52.93 53.96 14,880 12,079 23.19 703,073
93 Harleysville National Corp. Harleysville, Pa. 53 51.81 44,677 38,438 16.23 1,935,213
94 Trustmark Corp. Jackson, Miss. 53.06 52.87 189,377 187,071 1.23 6,886,988
95 Sky Financial Group Bowling Green, Ohio 53.07 68.94 235,407 302,497 -22.18 8,386,802
96 First Financial Bancorp Hamilton, Ohio 53.22 57.06 116,803 120,661 -3.2 3,932,512
97 First Merchants Corp. Muncie, Ind. 53.27 51.91 40,083 36,710 9.19 1,621,063
  U.S. Bancorp Minneapolis 53.27 51.72 3,606,600 3,142,400 14.77 87,336,000
99 Associated Banc-Corp.
Green Bay, Wis.
53.29 53.37 317,736 305,092 4.14 13,128,394
100 First Mutual Bancshares
Bellevue, Wash.
53.31 54.85 12,019 12,023 -0.03 643,231
101 Firstbank Holding Co. Lakewood, Colo. 53.48 54.43 137,163 129,462 5.95 4,915,355
102 Integra Bank Corp. Evansville, Ind. 53.75 54.53 63,573 60,406 5.24 3,068,818
103 Chemical Financial Corp.
Midland, Mich.
53.81 53.89 52,597 50,718 3.7 1,973,424
104 Regions Financial Corp. Birmingham, Ala. 54.11 53.26 1,118,346 1,065,158 4.99 43,909,839
105 Yardville National Bancorp Mercerville, N.J. 54.31 54.52 22,965 18,583 23.58 1,619,312
106 Arrow Financial Corp.
Glens Falls, N.Y.
54.33 56.09 27,589 27,298 1.07 1,081,354
107 First Midwest Bancorp Itasca, Ill. 54.35 56.57 144,292 149,803 -3.68 5,906,619
108 Community Banks Millersburg, Pa. 54.5 54.4 25,774 22,937 12.37 1,121,372
109 Hibernia Corp. New Orleans, La. 54.52 54.44 476,099 441,083 7.94 16,698,046
110 Midwest Banc Holdings
Melrose Park, Ill.
54.88 54.65 29,366 25,787 13.88 1,467,770
111 F & M Bancorp. Tulsa, Okla. 54.93 56.33 24,691 22,556 9.47 885,453
112 Sun Bancorp Selinsgrove, Pa. 54.97 47.18 14,115 11,950 18.12 743,588
113 First Bank Corp. Fort Smith, Ark. 55.02 56.72 26,595 26,385 0.8 876,646
114 Colonial BancGroup
Montgomery, Ala.
55.1 56.89 274,168 301,392 -9.03 11,741,202
115 Fleetboston Financial Corp. Boston 55.38 68.04 8,630,000 9,354,000 -7.74 179,519,000
116 Bancwest Corp. Honolulu, Hawaii 55.43 60.31 533,961 535,075 -0.21 18,457,066
117 Glacier Bancorp Kalispell, Mont. 55.46 52.56 31,028 23,979 29.4 1,056,712
118 Farmers & Merchants Bancorp Lodi, Calif. 55.56 60.19 27,631 26,936 2.58 906,958
119 Greenpoint Financial Corp. New York 55.66 58.06 511,548 557,249 -8.2 15,764,810
120 UNB Corp. Canton, Ohio 55.71 57.95 27,705 27,488 0.79 1,054,235
121 Seacoast Financial Serv. Corp. New Bedford, Mass. 55.76 53.78 51,705 46,188 11.94 2,890,765
122 Wilmington Trust Corp. Wilmington, Del. 55.79 58.84 267,109 261,282 2.23 7,370,738
123 First Commonwealth Financial Corp. Indiana, Pa. 55.82 51.26 99,461 93,586 6.28 4,383,199
124 Pacific Capital Bancorp
Santa Barbara, Calif.
55.87 57.81 131,716 110,421 19.29 3,677,626
125 R&G Financial Corp. San Juan, P.R. 55.91 53.91 81,456 69,290 17.56 3,539,492
126 Bessemer Group Inc.
Woodbridge Twp, N.J.
55.96 57.86 130,341 113,479 14.86 1,489,972
127 Bank of the Ozarks Inc.
Little Rock, Ark.
56.05 55.23 17,009 16,472 3.26 826,952
128 Oak Hill Financial Jackson, Ohio 56.07 57.11 15,632 14,642 6.76 696,882
129 Mid-State Bancshares
Arroyo Grande, Calif.
56.18 61.63 57,982 57,488 0.86 1,455,878
130 SJNB Financial Corp. San Jose, Calif. 56.2 55.42 20,441 13,049 56.65 686,766
131 1867 Western Financial Corp. Stockton, Calif. 56.3 60.93 35,308 36,692 -3.77 1,158,188
132 Penn Rock Financial Services
Blue Bell, Pa.
56.31 54.76 20,535 18,939 8.43 910,950
133 Bank of America Corp.
Charlotte, N.C.
56.37 57 18,633,000 18,511,000 0.66 642,191,000
134 City National Corp. Beverly Hills 56.43 58.43 294,770 241,803 21.91 9,096,529
135 NBC Capital Corp. Starkville, Miss. 56.47 65.26 30,917 33,802 -8.53 1,009,515
136 First Farmers & Merchants Corp. Columbia, Tenn. 56.49 56.81 19,168 18,095 5.93 652,066
137 Hills Bancorp. Hills, Iowa 56.5 56.21 20,069 18,269 9.85 876,220
138 Southside Bancshares Tyler, Tex. 56.6 62.38 25,472 22,592 12.75 1,151,846
139 Southtrust Corp. Birmingham, Ala. 56.65 55.31 1,087,195 1,010,501 7.59 45,146,531
140 North American Bancshares Sherman, Tex. 56.66 59.22 23,205 19,381 19.73 790,025
141 Bancfirst Ohio Corp. Zanesville, Ohio 56.69 59.77 32,601 30,673 6.29 1,562,219
142 American State Financial Corp. Lubbock, Tex. 56.72 57.03 32,533 30,882 5.35 1,294,308
143 North Country Financial Corp. Traverse City, Mich. 56.78 56.71 20,111 15,937 26.19 666,676
144 Hamilton Bancorp Inc. Miami 56.8 47.98 44,668 38,889 14.86 1,752,688
145 S.Y. Bancorp Inc. Louisville, Ky. 56.87 59.68 26,892 24,130 11.45 853,118
146 Local Financial Corp. Oklahoma City 57.07 60.26 55,121 55,721 -1.08 2,377,011
147 Omega Financial Corp.
State College, Pa.
57.08 55.1 34,385 33,597 2.35 1,116,417
148 American Chartered Bancorp Schaumburg, Ill. 57.11 58.74 15,742 13,402 17.46 662,166
149 Chambers Bancshares Danville, Ark. 57.15 56.91 18,241 17,216 5.95 820,144
150 M&T Bank Corp. Buffalo 57.2 54.12 694,453 578,958 19.95 28,949,456
  Tompkins Trustco Ithaca, N.Y. 57.2 56.42 38,819 34,332 13.07 1,304,894


Source: Sheshunoff Information Services
©  2001 American Banker