Revenue drivers: The top 200 publicly traded community banks

The nation’s top-performing community banks managed to boost profits and minimize loan losses despite fallout from the coronavirus pandemic.

The banking industry received considerable help from the federal government, including leniency with loan deferrals and fees from the Paycheck Protection Program. But the top performers were also able to increase revenue at nearly twice the rate of expenses.

As a result, the average return on equity for the 200 top-performing banks with less than $2 billion of assets fell nominally in 2020 from a year earlier to 11.23%, according to data compiled by Capital Performance Croup. Average ROE for the 479 banks and thrifts that fit the criteria fell by 62 basis points to 8.60%.

“The main takeaway is that the industry did much better than most expected last March,” said Claude Hanley, a partner at Capital Performance Group. "Asset quality actually got better.”

Shortly after virus outbreaks took hold in March 2020, the industry braced for loan losses by building reserves and slowing traditional lending.

The PPP, a program for small businesses administered by the Small Business Administration and the Treasury Department, infused billions of dollars of loans into small businesses, helping stave off business failures. It also gave a significant boost to banks’ loan portfolios at a time when overall demand from commercial borrowers was particularly weak.

“The relief programs were critical,” said Emma Metzler, a senior analyst at Capital Performance Group.

Median nonperforming assets, as a percentage of total assets, among the top-performing banks fell from 0.6% in 2019 to 0.5% last year. For the larger peer group, the ratio declined from 0.63% to 0.52%.

Fees generated from PPP lending and mortgage refinancing — the positive effect of low interest rates imposed by the Federal Reserve during the earliest days of the pandemic — bolstered revenue.

See rankings from past years:

Most banks made due without adding staff, helping to contain costs. The top 200 community banks had median revenue growth in 2020 of 12.3%, up from 7.3% a year earlier but easily offsetting the 6.8% rise in expenses.

Net interest margins were under pressure across the board because of low rates and shrinking loan yields. But the top banks posted a median ratio of net interest income to average assets of 3.3%, or 10 basis points higher than the peer group, partly as a result of modestly greater loan volumes and lower funding costs.

Metzler said lenders will need to get commercial lending back on track this year or risk absorbing revenue hits that could be difficult to make up. Banks, however, have cautioned that they intend to grow methodically as they assess the strengths of business lines coming out of the pandemic this year. Many are leery of loans tied to offices, retail, restaurants, hotels — businesses that have proven to be particularly vulnerable during the pandemic.

“The big challenge for almost everyone in the year ahead is loan growth,” Hanley said.

For American Banker’s paid subscribers only: If you have a paid subscription to American Banker, you can request an Excel chart with all publicly traded banks and additional analysis by Capital Performance Group for a limited time. To receive a reply, the request for this subscriber bonus must be received by bonnie.mcgeer@arizent.com no later than May 24 and sent from the email address tied to the subscription. Include the subscriber's name and the name of the institution in the body of the email. Please put “top 200 ranking request” in the subject line. Subscriptions will be verified and replies will follow at some point AFTER May 21. (Please note the Excel sheet will not be sent before that date.)

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Revenue drivers: The top 200 publicly traded community banks
Total Assets ROAA 3-Year Avg ROAE ROAE Net Interest Margin (FTE) Efficiency Ratio (FTE) Total Noninterest Income Net Income Assets Total Deposits Growth
Rank Institution Name/Ticker City State 12/31/20 2020 2018-2020 2020 2020 2020 2020 2020 12/31/20 12/31/20 2019-2020
1 Oregon Bancorp (ORBN) Salem OR 395,889 8.57 41.66 60.20 3.81 61.91 89,723 28,292 26.97 10.01 82.42
2 University Bancorp (UNIB) Ann Arbor MI 551,451 7.88 28.34 65.36 2.60 67.73 126,821 30,841 72.81 95.55 100.34
3 MetroCity Bankshares (MCBS0 Doraville GA 1,897,489 2.17 22.73 16.02 4.18 43.93 27,112 36,394 2.11 32.00 (7.57)
4 Thomasville Bancshares (THVB) Thomasville GA 1,226,592 1.75 20.64 19.41 3.56 45.89 15,015 19,421 42.26 4.35 11.78
5 Allied First Bancorp (AFBA) Oswego IL 146,364 4.47 19.93 37.37 3.04 92.00 102,889 5,762 12.69 36.67 63.48
6 CF Bankshares (CFBK) Worthington OH 1,476,995 2.59 19.91 32.04 2.54 46.24 59,993 29,608 26.41 21.11 162.72
7 Bank7 Corp. (BSVN) Oklahoma City OK 1,016,669 2.03 19.75 18.82 5.01 35.61 1,665 19,266 70.36 27.23 12.24
8 Plumas Bancorp (PLBC) Reno NV 1,111,576 1.43 19.68 15.54 4.02 50.46 8,245 14,475 23.23 53.07 2.34
9 BNCCORP (BNCC) Bismarck ND 1,074,131 4.21 19.24 37.09 3.24 47.64 84,826 44,614 3.90 28.05 99.05
10 Mission Bancorp (MSBC) Bakersfield CA 1,279,888 1.45 18.80 16.93 3.86 48.97 6,029 15,688 36.49 11.64 15.62
11 First Savings Financial Group (FSFG) Jeffersonville IN 1,872,911 2.58 18.78 28.85 3.50 68.75 160,879 40,803 9.87 28.10 116.49
12 Communities First Financial Corp. (CFST) Fresno CA 871,347 1.60 18.59 19.29 3.92 44.93 7,074 11,512 12.76 25.04 31.96
13 FFD Financial Corporation (FFDF) Dover OH 552,155 1.68 17.33 19.28 3.47 46.46 3,843 8,500 6.21 23.42 18.44
14 United Bancorporation of Alabama (UBAB) Atmore AL 993,907 1.44 17.21 13.36 3.53 71.43 8,332 12,169 20.23 56.20 3.83
15 Greene County Bancorp MHC (GCBC) Catskill NY 1,864,929 1.18 16.25 15.38 3.10 49.04 8,540 19,821 25.91 2.36 13.62
16 Morris State Bancshares (MBLU) Dublin GA 1,249,416 1.57 16.16 14.56 4.53 52.94 4,160 17,408 17.74 5.28 23.98
17 SouthPoint Bancshares (SOUB) Birmingham AL 566,518 1.48 15.96 17.86 3.82 64.53 15,170 7,389 9.62 4.39 61.53
18 Cornerstone Bancorp (CNBP) Palatine IL 891,183 1.10 15.81 19.60 3.55 65.92 10,222 8,374 34.34 38.47 42.16
19 Truxton Corporation (TRUX) Nashville TN 741,618 1.74 15.79 16.06 3.00 52.24 12,199 11,149 24.09 0.12 13.05
20 Unity Bancorp (UNTY) Clinton NJ 1,958,914 1.35 15.72 14.20 3.85 50.79 12,853 23,644 1.67 29.51 17.12
21 FS Bancorp (FXLG) Lagrange IN 993,506 1.59 15.64 16.19 3.62 53.52 5,972 14,314 14.21 9.62 7.15
22 Minster Financial (MTFC) Minster OH 637,677 1.30 15.61 15.52 3.06 56.36 6,042 7,545 24.91 31.89 13.36
23 CNB Community Bancorp (CNBB) Hillsdale MI 937,900 1.15 15.31 14.90 3.87 61.74 11,059 10,104 25.46 48.99 (10.69)
24 Capital Bancorp (CBNK) Rockville MD 1,876,593 1.56 15.20 18.00 5.14 68.00 61,041 25,823 34.32 40.87 57.72
25 KS Bancorp (KSBI) Smithfield NC 485,828 0.96 15.10 14.79 3.47 66.46 2,944 4,371 13.50 29.06 16.42
26 Cornerstone Community Bancorp (CRSB) Red Bluff CA 497,361 1.11 14.96 16.74 3.45 47.76 1,148 4,626 14.93 43.14 23.05
27 Union Bankshares (UNB) Morrisville VT 1,093,554 1.33 14.77 16.87 3.54 62.64 15,752 12,805 16.50 24.33 16.73
28 Summit Bank Group (SBKO) Eugene OR 761,136 1.16 14.64 14.43 4.26 52.04 1,709 7,933 NA NA 17.71
29 Santa Cruz County Bank (SCZC) Santa Cruz CA 1,422,872 1.36 14.61 10.98 3.99 46.45 4,213 17,550 24.04 8.40 37.71
30 Redwood Capital Bancorp (RWCB) Eureka CA 498,111 1.00 14.50 13.36 3.63 59.48 3,843 4,405 21.74 7.43 14.85
31 Timberland Bancorp (TSBK) Hoquiam WA 1,588,405 1.69 14.47 13.63 3.68 48.70 17,788 24,907 26.34 5.91 4.71
32 High Country Bancorp (HCBC) Salida CO 365,182 1.44 14.41 13.92 5.03 61.86 5,028 4,774 25.32 55.46 21.65
33 Integrated Financial Holdings (IFHI) Raleigh NC 396,539 2.43 14.37 12.03 4.70 69.35 33,506 8,714 23.98 28.23 55.69
34 LifeStore Financial Group MHC (LSFG) West Jefferson NC 377,164 1.69 14.37 15.77 2.87 63.26 11,632 5,693 22.51 22.27 15.11
35 Bank of South Carolina Corporation (BKSC) Charleston SC 532,495 1.29 14.22 11.96 3.52 57.42 3,395 6,461 38.52 10.53 0.41
36 Valley Republic Bancorp (VLLX) Bakersfield CA 1,236,010 1.12 14.11 14.46 3.19 47.95 2,428 12,530 23.59 23.29 22.51
37 Community Bancorp. (CMTV) Derby VT 918,233 1.32 13.82 13.48 3.68 58.31 6,772 10,759 15.70 14.67 12.86
38 CSB Bancorp (CBMI) Chelsea MI 379,038 1.33 13.74 11.76 3.38 60.46 839 4,715 32.56 6.27 4.79
39 Peoples Limited (PPLL) Wyalusing PA 443,640 1.26 13.73 12.63 3.19 57.61 4,593 5,200 4.60 31.47 17.98
40 Fentura Financial (FETM) Fenton MI 1,251,343 1.29 13.70 14.05 3.50 58.33 18,712 15,464 4.18 13.07 36.57
41 Crystal Valley Financial Corp. (CYVF) Middlebury IN 682,561 1.71 13.62 14.33 3.99 55.74 6,293 11,167 18.60 3.28 14.84
42 Benchmark Bankshares (BMBN) Kenbridge VA 870,825 1.32 13.56 14.04 4.25 65.45 7,467 10,219 26.10 25.88 7.34
43 First National Corporation (FXNC) Strasburg VA 950,932 0.98 13.49 10.92 3.50 62.52 8,185 8,858 12.10 27.23 2.99
44 Citizens Financial Services (CZFS) Mansfield PA 1,891,674 1.46 13.40 14.21 3.92 51.00 11,158 25,103 NA NA 26.07
45 Redwood Financial (REDW) Redwood Falls MN 470,858 1.81 13.40 17.43 3.62 54.95 9,192 7,467 11.83 59.26 34.03
46 American Bank Incorporated (AMBK) Allentown PA 734,500 1.34 13.20 13.11 3.05 44.32 2,457 9,423 17.85 9.90 12.85
47 Mountain Commerce Bancorp (MCBI) Knoxville TN 1,109,970 0.93 13.19 10.45 3.39 43.23 2,267 10,170 (8.69) 23.64 19.71
48 Landmark Bancorp (LARK) Manhattan KS 1,188,027 1.77 13.12 16.70 3.72 57.65 24,939 19,493 13.92 25.96 32.70
49 Northeast Bank NBN) Lewiston ME 1,234,092 2.25 13.12 17.42 5.14 53.05 13,324 29,064 46.36 7.79 12.89
50 Wayne Savings Bancshares (WAYN) Wooster OH 591,591 1.25 13.05 13.39 3.34 52.96 3,038 6,690 8.66 16.43 6.40
51 PB Financial Corporation (PBNC) Rocky Mount NC 586,559 1.24 13.00 12.13 3.52 45.02 1,119 6,808 8.23 3.08 1.78
52 Community Financial Group (CFGW) Spokane WA 615,339 1.23 12.80 12.58 3.91 69.73 9,110 6,516 27.81 49.88 9.43
53 Golden Valley Bancshares (GVYB) Chico CA 406,324 1.03 12.76 12.87 3.50 54.69 1,064 4,093 NA NA 24.04
54 Meridian Corporation (MRBK) Malvern PA 1,720,197 1.78 12.75 21.37 3.39 68.96 85,573 26,438 18.94 9.50 100.34
55 Trinity Bank N.A. (TYBT) Fort Worth TX 378,106 1.32 12.69 11.74 3.42 48.95 539 4,716 20.31 23.67 12.40
56 Home Loan Financial Corporation (HLFN) Coshocton OH 248,353 1.53 12.68 11.99 3.86 51.75 2,305 3,642 7.60 16.40 3.78
57 Hawthorn Bancshares (HWBK) Jefferson City MO 1,733,731 0.88 12.65 11.74 3.48 64.87 14,649 14,293 14.06 27.64 17.75
58 BEO Bancorp (BEOB) Heppner OR 666,772 0.93 12.61 14.08 4.97 73.46 3,122 5,523 34.55 58.13 12.73
59 Farmers Bancorp (FABP) Frankfort IN 710,919 1.37 12.61 11.50 3.72 56.30 6,576 9,147 11.89 8.36 6.36
60 Commercial National Financial Corp. (CEFC) Ithaca MI 547,780 0.82 12.59 10.87 3.07 62.38 2,217 4,364 12.50 10.53 3.55
61 Oconomowoc Bancshares (OCNB) Oconomowoc WI 1,448,013 1.70 12.57 17.01 3.71 62.91 39,632 22,182 10.45 3.09 36.64
62 First IC Corporation (FIEB) Doraville GA 764,450 1.01 12.56 9.06 3.28 58.30 8,925 7,390 40.86 30.91 (3.89)
63 First Bancshares (FIBH) Bellevue OH 285,944 1.17 12.54 11.98 3.86 61.31 1,864 3,119 8.34 19.29 9.89
64 Citizens Financial Corp. (CIWV) Elkins WV 321,925 1.41 12.51 14.18 4.22 56.11 3,983 4,310 5.05 19.48 20.94
65 Village Bank and Trust Financial Corp. (VBFC) Midlothian VA 706,236 1.28 12.49 17.98 3.41 62.76 12,233 8,554 22.05 37.68 29.51
66 Lyons Bancorp (LYBC) Lyons NY 1,423,147 0.78 12.48 11.06 3.37 65.63 14,376 10,300 0.01 30.70 11.26
67 CSB Bancorp (CSBB) Millersburg OH 1,031,632 1.13 12.46 11.71 3.22 57.54 6,939 10,568 13.96 7.82 3.77
68 PSB Holdings (PSBQ) Wausau WI 1,131,955 1.01 12.34 10.83 3.19 54.71 10,909 10,689 13.08 3.38 12.01
69 Main Street Financial Services Corp. (MSWV) Wheeling WV 510,636 0.88 12.32 9.96 3.43 62.85 444 4,416 (3.21) 22.26 (3.73)
70 CW Bancorp (CWBK) Irvine CA 1,320,462 1.06 12.29 13.93 3.35 43.41 7,281 9,091 NA NA 34.25
71 Blue Ridge Bankshares (BRBS) Luray VA 1,498,258 1.30 12.23 17.69 3.48 64.96 56,613 17,697 32.62 44.46 159.15
72 Pacific Financial Corporation (PFLC) Aberdeen WA 1,167,293 1.07 12.22 10.33 3.70 69.02 20,146 11,384 30.90 33.40 9.35
73 United Bancshares (UBOH) Columbus Grove OH 978,532 1.42 12.21 13.53 3.77 61.36 26,711 13,755 10.30 5.91 42.41
74 Sturgis Bancorp (STBI) Sturgis MI 643,606 0.99 12.18 13.53 3.22 62.80 9,173 6,006 16.32 27.67 27.31
75 Oxford Bank Corporation (OXBC) Oxford MI 698,124 1.03 12.17 13.83 3.28 57.25 2,810 7,001 20.55 24.13 7.55
76 Huron Valley Bancorp (HVLM) Milford MI 192,276 0.88 12.13 9.25 3.60 63.43 543 1,593 15.26 41.53 1.07
77 Woodlands Financial Services Co. (WDFN) Williamsport PA 502,463 1.02 11.98 10.07 3.30 67.89 4,219 4,764 20.60 5.15 0.75
78 Northeast Indiana Bancorp (NIDB) Huntington IN 391,277 1.44 11.97 12.72 3.41 53.64 4,644 5,600 0.80 15.64 13.73
79 F&M Bancorp (FMOO) Miamisburg OH 227,010 1.32 11.91 12.44 4.17 57.84 857 2,713 9.80 35.94 14.86
80 Mountain Pacific Bancorp (MBCP) Everett WA 511,643 0.96 11.91 10.88 3.38 58.91 3,263 4,437 11.39 24.43 15.73
81 Embassy Bancorp (EMYB) Bethlehem PA 1,442,030 0.98 11.90 12.07 3.03 54.58 2,317 12,810 3.99 23.09 12.76
82 Heartland BancCorp (HLAN) Whitehall OH 1,547,747 1.05 11.82 11.13 3.63 57.45 13,832 14,768 8.01 32.06 24.82
83 First Citrus Bancorporation (FCIT) Tampa FL 528,745 0.97 11.82 12.34 3.42 62.60 2,362 4,901 24.60 38.26 18.04
84 Cashmere Valley Bank (CSHX) Cashmere WA 1,994,288 1.42 11.82 11.57 2.82 53.18 18,496 25,521 7.58 4.79 6.09
85 Oak Valley Bancorp (OVLY) Oakdale CA 1,511,478 1.01 11.81 11.39 3.59 59.80 4,815 13,687 26.84 66.38 8.57
86 Cortland Bancorp (CLDB) Cortland OH 821,305 1.07 11.79 10.68 3.33 62.52 7,360 8,263 10.09 28.35 5.29
87 FNB Bancorp (FBIP) Newtown PA 1,148,783 0.92 11.78 9.57 2.52 62.93 6,488 9,745 18.24 14.45 (6.11)
88 Katahdin Bankshares Corporation (KTHN) Patten ME 937,007 1.02 11.78 13.32 3.45 67.25 5,702 9,519 11.97 18.95 10.00
89 Centric Financial Corporation (CFCX) Harrisburg PA 1,118,012 0.94 11.68 11.13 3.65 61.43 3,393 9,057 3.30 4.35 15.49
90 FNCB Bancorp (FNCB) Dunmore PA 1,465,679 1.13 11.64 10.66 3.35 60.07 6,551 15,347 15.22 27.51 9.98
91 Baker Boyer Bancorp (BBBK) Walla Walla WA 725,108 0.80 11.62 8.85 3.28 81.18 12,553 5,298 29.36 23.69 (3.69)
92 Esquire Financial Holdings (ESQ) Jericho NY 936,714 1.45 11.59 10.69 4.47 55.04 14,647 12,618 50.78 44.29 13.42
93 Malaga Financial Corporation (MLGF) Palos Verdes Estates CA 1,312,294 1.43 11.58 12.16 3.01 31.99 785 18,335 13.35 18.93 13.21
94 Northern California National Bank (NCNB) Chico CA 309,969 1.06 11.55 11.53 2.84 50.52 561 3,231 22.29 24.36 7.26
95 CMUV Bancorp (CMUV) El Centro CA 259,646 1.42 11.55 13.90 4.53 51.79 260 3,387 12.57 34.68 11.20
96 Fidelity Federal Bancorp (FDLB) Evansville IN 1,402,300 1.76 11.53 15.29 2.29 58.61 30,089 19,966 6.15 6.64 24.11
97 U & I Financial Corp. (UNIF) Lynnwood WA 403,898 1.69 11.47 11.42 4.22 52.22 4,502 6,213 24.71 23.67 18.53
98 Summit State Bank (SSBI) Santa Rosa CA 865,854 1.33 11.44 14.68 3.91 52.23 3,574 10,518 (0.06) 6.49 31.95
99 Killbuck Bancshares (KLIB) Killbuck OH 685,912 0.99 11.42 9.34 2.97 64.12 2,920 6,049 29.87 42.24 (8.67)
100 Logansport Financial Corp. (LOGN) Logansport IN 220,365 1.80 11.39 14.87 3.68 59.09 2,291 3,915 10.13 17.45 32.53
101 Coastal Financial Corporation (CCB) Everett WA 1,766,122 0.98 11.38 11.44 3.83 58.14 8,182 15,146 31.77 46.70 30.88
102 Consumers Bancorp (CBKM) Minerva OH 754,060 1.06 11.38 11.81 3.82 61.51 4,251 7,492 3.86 6.03 35.00
103 River Valley Community Bancorp (RVCB) Yuba City CA 496,487 0.84 11.37 9.70 3.05 56.71 796 4,129 25.66 44.92 15.45
104 FFW Corporation (FFWC) Wabash IN 467,714 1.34 11.36 12.42 3.45 62.99 5,862 6,030 (0.91) 20.15 21.01
105 United Security Bancshares (UBFO) Fresno CA 1,092,654 0.86 11.36 7.55 3.39 57.96 4,790 8,961 61.66 7.54 (14.34)
106 Chino Commercial Bancorp (CCBC) Chino CA 314,840 0.92 11.36 10.69 3.81 59.74 1,655 2,625 15.02 16.32 9.62
107 OP Bancorp (OPBK) Los Angeles CA 1,366,826 1.03 11.35 9.35 3.72 57.12 10,558 13,127 25.96 46.63 2.67
108 Kish Bancorp (KISB) Belleville PA 1,106,609 0.79 11.33 12.18 3.21 72.99 9,509 8,039 5.46 15.82 13.54
109 S.B.C.P. Bancorp (SBBI) Cross Plains WI 1,613,193 1.07 11.30 9.71 3.60 59.50 19,239 15,614 17.27 42.86 34.19
110 Victory Bancorp (VTYB) Limerick PA 429,425 0.61 11.28 11.03 3.48 67.00 580 2,275 26.58 32.31 12.79
111 GrandSouth Bancorporation (GRRB) Greenville SC 1,089,779 0.88 11.25 10.64 4.42 68.40 2,160 8,645 13.62 25.34 6.13
112 Century Financial Corporation (CYFL) Coldwater MI 400,619 1.37 11.24 11.89 3.34 59.97 6,220 5,149 45.83 5.26 4.64
113 People's Bank of Commerce (PBCO) Medford OR 523,331 1.32 11.22 12.66 3.86 63.00 10,322 6,131 23.88 8.20 25.72
114 Southeastern Banking Corporation (SEBC) Darien GA 542,981 1.16 11.19 9.10 3.77 59.80 3,504 5,712 32.86 26.62 1.98
115 Mifflinburg Bancorp (MIFF) Mifflinburg PA 510,746 1.11 11.15 11.20 3.21 57.43 2,353 5,384 9.79 6.61 7.66
116 Town and Country Financial Corp. (TWCF) Springfield IL 898,670 0.81 11.14 10.04 3.34 66.77 16,561 7,067 2.82 14.20 17.69
117 Chesapeake Financial Shares (CPKF) Kilmarnock VA 1,204,733 1.06 11.14 10.27 3.80 71.89 18,403 11,749 2.12 8.66 7.65
118 Kentucky Bancshares (KTYB) Paris KY 1,239,505 0.97 11.14 9.54 3.29 71.78 15,630 11,697 4.43 23.75 3.37
119 Susquehanna Community Financial (SQCF) West Milton PA 501,740 1.16 11.11 10.32 3.23 66.50 3,843 5,340 15.23 5.01 14.02
120 York Traditions Bank (YRKB) York PA 640,562 1.39 11.08 13.53 3.48 56.99 14,561 8,368 27.60 18.08 47.42
121 CNB Corporation (CNBW) Conway SC 1,497,575 1.02 11.05 10.50 2.76 59.08 8,409 14,066 (5.07) 11.60 (0.90)
122 Pioneer Bankcorp (PBKC) Clewiston FL 498,991 0.96 11.05 11.21 3.81 63.18 3,011 4,495 10.07 39.22 16.15
123 FCN Banc Corp. (FBVI) Brookville IN 683,214 1.14 11.04 10.23 2.93 63.68 6,003 6,958 4.03 22.82 27.33
124 United Bancorp (UBCP) Martins Ferry OH 693,402 1.13 11.03 11.45 3.76 62.26 4,322 7,953 1.67 21.05 9.75
125 Community Bancorp of Santa Maria (CYSM) Santa Maria CA 338,796 0.72 11.03 8.18 4.01 70.75 864 2,209 14.30 44.99 4.77
126 Ledyard Financial Group (LFGP) Hanover NH 680,912 1.11 11.02 11.03 2.90 71.82 13,614 6,729 6.67 18.56 5.46
127 Fidelity D & D Bancorp (FDBC) Dunmore PA 1,699,510 0.87 10.97 9.06 3.30 58.70 14,553 13,035 5.74 6.64 40.21
128 Horizon Bancorp (HRRB) Lake Havasu City AZ 475,720 0.88 10.92 12.05 3.86 70.94 4,030 3,770 26.66 33.32 11.05
129 Muncy Bank Financial (MYBF) Muncy PA 531,574 1.13 10.91 11.11 3.65 64.60 3,033 5,748 (5.70) 4.26 9.91
130 Pinnacle Bank (PBNK) Gilroy CA 617,747 0.71 10.89 7.11 3.84 67.46 3,727 3,942 30.51 47.34 4.82
131 Ballston Spa Bancorp (BSPA) Ballston Spa NY 691,264 0.78 10.86 9.21 3.36 71.15 4,401 4,982 14.29 12.81 12.55
132 Tri-County Financial Group, (TYFG) Mendota IL 1,331,271 1.70 10.78 16.44 3.39 55.26 37,215 21,239 (1.26) 38.10 47.32
133 Eagle Financial Services (EFSI) Berryville VA 1,130,152 1.10 10.77 11.03 3.74 67.58 7,887 11,172 7.61 11.27 12.02
134 First Northern Community Bancorp (FNRN) Dixon CA 1,655,376 0.79 10.76 8.41 3.20 64.63 7,513 12,161 21.52 8.83 1.55
135 First Capital (FCAP) Corydon IN 1,017,551 1.12 10.75 9.65 3.39 61.41 8,579 10,144 27.52 8.09 (1.27)
136 BankFirst Capital Corporation (BFCC) Columbus MS 1,729,355 0.89 10.75 10.34 3.41 69.98 19,400 13,482 11.16 6.35 26.82
137 PCB Bancorp (PCB) Los Angeles CA 1,922,853 0.84 10.74 7.08 3.53 53.52 11,731 16,175 11.83 33.89 (2.74)
138 Riverview Bancorp (RVSB) Vancouver WA 1,436,184 0.74 10.72 6.61 3.60 63.10 11,146 9,952 16.48 7.28 (4.68)
139 First Farmers and Merchants Corp. (FFMH) Columbia TN 1,802,145 0.89 10.71 9.18 2.93 69.67 13,256 14,210 13.29 26.57 1.80
140 Century Next Financial Corporation (CTUY) Ruston LA 515,070 1.03 10.70 9.89 4.29 67.42 4,167 5,214 19.69 9.46 4.92
141 Somerset Trust Holding Company (SOME) Somerset PA 1,610,627 0.76 10.68 9.27 3.83 75.85 18,023 11,563 10.36 5.43 14.77
142 Summit Bancshares (SMAL) Oakland CA 306,669 0.93 10.66 7.74 4.32 64.62 727 2,784 44.52 52.67 (1.37)
143 Washington Business Bank (WBZB) Olympia WA 108,286 1.34 10.63 12.47 3.99 56.92 103 1,352 16.00 23.62 6.79
144 Croghan Bancshares (CHBH) Fremont OH 1,028,452 1.42 10.62 10.66 3.99 56.47 8,010 13,719 3.76 15.45 10.83
145 Bank of San Francisco (BSFO) San Francisco CA 674,407 0.85 10.61 10.81 3.42 51.36 685 4,658 4.63 43.44 25.80
146 Citizens National Bancshares of Bossier (CNBL) Bossier City LA 1,226,818 0.94 10.59 8.57 3.34 65.91 7,322 10,814 30.53 0.85 3.93
147 Jefferson Security Bank (JFWV) Shepherdstown WV 380,710 0.83 10.58 9.77 3.12 66.60 1,827 2,876 20.89 17.99 3.82
148 MainStreet Bancshares (MNSB) Fairfax VA 1,643,165 1.05 10.57 10.54 3.21 56.67 7,493 15,717 25.49 30.94 20.72
149 Aquesta Financial Holdings (AQFH) Cornelius NC 680,168 0.84 10.56 9.37 3.25 62.24 2,599 5,263 18.05 33.59 15.50
150 Metro Phoenix Bank (MPHX) Phoenix AZ 326,012 1.65 10.55 14.04 4.53 45.26 1,800 5,039 21.59 33.66 33.31
151 Norwood Financial Corp. (NWFL) Honesdale PA 1,851,864 0.97 10.53 9.06 3.55 54.55 7,709 15,080 (5.19) 23.46 28.93
152 CBC Holding Company (CBHC) Fitzgerald GA 198,172 1.06 10.50 8.57 3.88 59.01 1,245 1,872 20.92 21.19 0.77
153 Surrey Bancorp (SRYB) Mount Airy NC 431,064 1.18 10.50 9.32 3.49 58.55 2,915 4,578 39.40 36.17 (2.45)
154 Avidbank Holdings (AVBH) San Jose CA 1,430,626 0.72 10.48 7.76 3.46 69.71 2,631 9,627 49.95 1.25 0.30
155 Virginia National Bankshares Corp. (VABK) Charlottesville VA 848,410 1.00 10.47 10.01 3.17 58.73 5,822 7,978 8.54 7.84 9.80
156 Commencement Bancorp (CBWA) Tacoma WA 527,952 0.83 10.46 8.11 3.31 62.32 1,234 4,032 NA NA 7.17
157 Oak Ridge Financial Services (BKOR) Oak Ridge NC 540,630 0.62 10.46 7.76 3.50 67.34 3,162 3,259 7.32 20.23 7.55
158 Shore Bancshares (SHBI) Easton MD 1,933,315 0.92 10.42 7.95 3.27 59.56 10,749 15,730 20.41 55.63 5.39
159 Eastern Michigan Financial Corp. (EFIN) Croswell MI 467,965 1.03 10.41 10.82 2.86 61.82 2,851 4,418 43.51 5.99 7.49
160 First United Corporation (FUNC) Oakland MD 1,734,030 0.89 10.36 11.24 3.34 63.74 18,577 14,257 21.02 13.55 8.13
161 Blackhawk Bancorp (BHWB) Beloit WI 1,141,599 1.02 10.34 10.35 3.78 62.70 19,112 10,847 16.18 27.23 19.87
162 Penns Woods Bancorp (PWOD) Williamsport PA 1,834,643 0.86 10.31 9.67 2.93 65.56 10,549 15,224 NA NA (2.92)
163 NorthWest Indiana Bancorp (NWIN) Munster IN 1,497,525 1.16 10.31 11.51 3.47 64.69 15,722 16,604 (1.06) 3.58 16.40
164 First Home Bancorp (FHBI) Saint Petersburg FL 1,544,691 1.06 10.31 22.65 2.88 75.08 97,695 12,703 33.37 19.63 85.72
165 Harleysville Financial Corporation (HARL) Harleysville PA 873,410 0.88 10.30 9.39 2.80 58.88 2,656 7,307 9.56 3.55 (4.44)
166 Marquette National Corporation (MNAT) Chicago IL 1,921,322 1.32 10.29 13.68 3.15 80.64 19,392 23,778 (3.61) 1.23 8.49
167 QNB Corp. (QNBC) Quakertown PA 1,440,229 0.90 10.27 9.76 2.92 64.37 7,040 12,083 35.65 16.66 5.23
168 Community Bankers Trust Corporation (EXSB) Richmond VA 1,644,809 0.99 10.27 9.58 3.52 58.57 5,664 15,548 2.71 38.56 3.67
169 Quaint Oak Bancorp (QNTO) Southampton PA 484,075 0.83 10.26 12.06 2.93 68.03 6,852 3,245 6.08 14.59 27.58
170 Tri City Bankshares Corporation (TRCY) Oak Creek WI 1,797,841 0.87 10.26 7.77 3.22 73.65 17,937 14,216 23.47 4.47 0.46
171 Dimeco (DIMC) Honesdale PA 882,804 1.08 10.24 9.74 3.82 60.71 5,660 8,856 (3.49) 8.02 9.41
172 Colony Bankcorp (CBAN) Fitzgerald GA 1,763,974 0.70 10.21 8.56 3.50 71.72 22,292 11,815 17.28 3.79 25.55
173 Bank of Botetourt (BORT) Buchanan VA 596,595 0.83 10.18 8.86 3.29 63.32 4,070 4,631 6.98 12.29 6.31
174 Touchmark Bancshares (TMAK) Alpharetta GA 427,428 1.07 10.18 9.37 2.71 49.71 3,369 4,781 19.50 9.45 8.85
175 ENB Financial Corp (ENBP) Ephrata PA 1,462,313 0.96 10.14 10.12 3.24 68.23 14,627 12,299 20.68 12.68 11.49
176 Southern Michigan Bancorp (SOMC) Coldwater MI 997,574 0.82 10.12 8.43 3.22 67.41 8,378 7,386 17.53 5.45 5.08
177 Solera National Bancorp (SLRK) Lakewood CO 436,043 1.60 10.12 13.54 3.74 40.71 954 5,934 17.43 61.62 45.63
178 Security Bancorp (SCYT) McMinnville TN 260,821 0.94 10.10 9.01 3.12 65.25 2,014 2,300 15.71 43.02 (0.50)
179 GNB Financial Services (GNBF) Gratz PA 430,480 1.05 10.10 11.58 3.04 60.13 1,729 4,203 5.75 52.27 3.21
180 Pontiac Bancorp (PONT) Pontiac IL 626,580 1.39 10.07 10.98 3.57 49.21 6,446 8,280 16.00 21.52 15.30
181 1st Constitution Bancorp (FCCY) Cranbury NJ 1,806,909 1.05 10.06 10.20 3.71 56.10 14,467 18,086 25.40 7.40 31.14
182 SVB&T Corporation (SVBT) French Lick IN 496,118 1.00 10.05 10.04 3.65 64.85 7,793 4,841 6.26 4.75 27.93
183 JD BANCSHARES INC. (JDVB) Jennings LA 1,287,760 0.70 10.05 7.69 3.81 76.42 9,761 7,204 28.57 6.34 (1.86)
184 Middlebury National Corporation (MDVT) Middlebury VT 486,304 0.92 10.04 10.03 3.13 71.39 4,286 4,003 17.84 4.05 8.43
185 NMB Financial Corporation (NMBF) Fort Lee NJ 457,416 0.72 9.99 7.62 3.21 58.75 4,062 3,122 0.04 24.07 6.81
186 John Marshall Bancorp (JMSB) Reston VA 1,885,496 1.06 9.96 10.49 3.32 49.89 1,613 18,526 0.01 12.10 17.02
187 Community West Bancshares (CWBC) Goleta CA 975,435 0.85 9.96 9.70 3.89 67.96 3,912 8,245 4.40 23.74 6.68
188 Eagle Bancorp Montana (EBMT) Helena MT 1,257,634 1.74 9.95 15.02 3.92 65.19 48,343 21,206 12.10 5.76 46.25
189 United National Bank (UNBK) Cairo GA 247,006 1.42 9.91 9.81 4.41 53.94 922 3,244 35.80 14.47 (1.55)
190 Premier Financial Bancorp (PFBI) Huntington WV 1,945,822 1.20 9.90 8.82 3.89 54.80 8,444 22,438 5.86 29.85 (0.15)
191 Farmers Bankshares (FBVA) Windsor VA 551,918 1.14 9.90 9.40 3.11 71.30 8,984 5,872 7.39 9.71 5.25
192 Pinnacle Bancshares (PCLB) Jasper AL 276,129 1.19 9.90 10.05 3.76 62.82 1,775 3,181 0.91 31.15 3.40
193 PSB Holding Corporation (PSBP) Preston MD 549,353 0.94 9.88 10.32 3.50 66.44 3,260 4,772 (0.36) 38.05 13.20
194 Fauquier Bankshares (FBSS) Warrenton VA 867,173 0.74 9.88 8.36 3.46 70.46 5,651 5,877 20.25 7.42 2.87
195 CNB Bank Shares (CNBN) Carlinville IL 1,493,620 1.01 9.88 10.11 3.43 60.08 12,942 14,511 0.05 20.30 8.65
196 Bancorp. of Southern Indiana (BCSO) Seymour IN 706,613 1.06 9.85 11.17 3.07 67.44 11,896 6,955 10.97 20.09 17.73
197 Sound Financial Bancorp (SFBC) Seattle WA 861,402 1.10 9.82 10.97 3.51 64.83 7,445 8,937 22.12 35.99 12.72
198 1st Summit Bancorp of Johnstown (FSMK) Johnstown PA 1,257,438 0.75 9.82 7.55 2.57 66.94 5,140 8,822 (12.35) 4.29 (0.34)
199 Bank of Commerce Holdings (BOCH) Sacramento CA 1,763,954 0.86 9.81 8.27 3.60 55.95 3,725 14,164 8.67 8.94 2.97
200 Oregon Pacific Bancorp (ORPB) Florence OR 537,141 0.90 9.81 11.08 4.00 65.57 5,146 4,353 19.17 48.25 25.45