Top 100 Bank Holding Companies in Lending to the Consumer (YE 1999)

July 05, 2000, 10:08 a.m. EDT 1 Min Read

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Top 100 Community Banks Based on Return on Average Assets (Q1 2000)
As of March 31, 2000, dollar amounts in thousands Published June 28, 2000

Rank	Bank Name	City	State	Return on Average Assets	Total Assets 3/31/2000	Return on Average Equity	Efficiency Ratio
1	Kleberg First NB Kingsville	Kingsville	TX	10.37%	$158,581	124.86%	81.89%
2	Franklin T&LA	Orange	CA	7.94	8,514	86.73	48.50
3	Advanta Bk Corp	Draper	UT	7.93	775,766	40.44	50.10
4	Bessemer TC	Woodbridge Twp	NJ	5.47	513,095	40.29	47.48
5	Brighton Bk	Salt Lake City	UT	5.29	125,560	39.00	42.00
6	First NB	Fort Pierre	SD	5.19	172,495	56.64	44.04
7	Monroe County Bk	Forsyth	GA	5.10	45,152	63.17	37.17
8	First St Bk	Keene	TX	5.06	82,631	62.52	44.77
9	Bank of Asheville	Asheville	NC	4.90	51,561	42.64	84.68
10	State Bk of Downs	Downs	KS	4.66	48,603	31.43	27.64
11	First St Bk	Idaho Springs	CO	4.64	32,064	67.60	44.87
12	River City Bk	Louisville	KY	4.41	144,954	45.83	26.19
13	Blanco NB	Blanco	TX	4.26	61,885	45.80	12.05
14	First Coleman NB	Coleman	TX	4.12	54,894	39.37	37.38
15	Rancho Santa Fe T&LA	San Marcos	CA	4.03	80,347	22.82	41.18
16	First Mountain Bk	Big Bear Lake	CA	3.98	88,333	50.94	45.67
17	Citizens St Bk	Ashland	KS	3.97	16,956	45.36	45.57
18	Justin St Bk	Justin	TX	3.95	40,459	36.05	46.05
19	First NB of Byers	Byers	TX	3.90	47,491	37.22	58.51
20	Washita St Bk	Burns Flat	OK	3.84	7,247	48.94	58.93
21	State Bk of Wiley	Wiley	CO	3.81	53,341	16.87	22.50
22	First NB of Sarcoxie	Sarcoxie	MO	3.80	24,910	43.16	42.41
23	Citizens First NB	Princeton	IL	3.77	474,647	41.74	33.83
24	Latimer St Bk	Wilburton	OK	3.72	48,410	23.39	38.88
25	Security Bk of SW MO	Cassville	MO	3.71	49,160	37.45	38.55
26	Bank of Las Vegas	Las Vegas	NM	3.69	131,687	55.30	41.14
-	Wright Express Fncl Svc Corp	Salt Lake City	UT	3.69	195,673	34.93	72.37
28	First Valley Bk	Seeley Lake	MT	3.63	18,747	33.80	40.07
29	First NB of Olney	Olney	TX	3.61	36,734	36.39	39.27
-	International City Bk NA	Long Beach	CA	3.61	110,317	37.53	41.79
31	Chisholm Trail St Bk	Wichita	KS	3.57	56,312	36.61	40.28
32	Douglas County Bk	Douglasville	GA	3.51	125,257	42.44	42.15
33	Inwood NB of Dallas	Dallas	TX	3.50	363,310	35.37	47.57
-	Peak NB	Nederland	CO	3.50	129,469	45.21	54.03
35	First B&TC	Broken Bow	OK	3.49	69,903	42.99	43.05
36	Pueblo B&TC	Pueblo	CO	3.48	341,923	41.35	53.89
37	Farmers NB of Seymour	Seymour	TX	3.44	32,575	32.49	42.93
38	City Bk	Lynnwood	WA	3.38	522,738	17.79	42.55
39	First Cmnty Bk of GA	Roberta	GA	3.37	41,866	28.01	66.67
40	Citizens Bk	Nashville	GA	3.34	85,324	32.53	36.50
41	Bank of the Southwest	Roswell	NM	3.31	108,268	37.73	58.03
42	First Security Bk West	Beulah	ND	3.30	64,291	41.00	35.93
43	First Commercial Bk	Gideon	MO	3.28	34,619	50.57	36.21
44	Jackson St Bk	Jackson	WY	3.27	421,187	54.80	37.65
45	Home St Bk	Louisville	NE	3.26	53,314	35.05	34.72
46	University NB Lawrence	Lawrence	KS	3.25	60,385	29.05	44.28
47	First St Bk	Watonga	OK	3.24	26,932	33.06	57.93
48	First NB of Burleson	Burleson	TX	3.23	87,154	32.68	48.73
49	First St Bk	Valliant	OK	3.21	32,415	22.40	61.19
50	Port Richmond Svgs	Philadelphia	PA	3.20	34,194	26.22	35.67
51	Vermillion St Bk	Vermillion	MN	3.19	180,265	32.65	34.63
52	Broadway Bk	Chicago	IL	3.17	192,093	28.84	43.29
-	National Republic Bk	Chicago	IL	3.17	217,272	51.90	37.57
54	Peoples St Bk	De Smet	SD	3.16	47,589	19.76	32.65
55	Citizens NB at Brownwood	Brownwood	TX	3.14	110,358	27.94	43.59
56	Peoples Bk	Paragould	AR	3.12	119,112	42.05	29.14
57	Stanley Bk	Stanley	KS	3.11	102,108	19.31	43.50
58	Holladay B&TC	Salt Lake City	UT	3.10	37,371	23.05	51.87
59	California Chohung Bk	Los Angeles	CA	3.09	90,379	7.77	48.45
-	First St Bk	St Charles	MO	3.09	133,135	17.45	38.48
-	First NB of Picayune	Picayune	MS	3.09	119,395	36.90	46.04
-	Spencer St Bk	Spencer	OK	3.09	27,845	30.44	59.80
-	Yakima NB NA	Yakima	WA	3.09	27,370	24.94	72.81
64	Bank of La Belle	La Belle	MO	3.08	22,503	36.71	37.59
65	Elysian Bk	Elysian	MN	3.07	26,246	37.02	32.77
66	Valley Bk of Commerce	Roswell	NM	3.06	74,084	39.60	46.54
67	Peoples Bk	Westville	OK	3.05	36,592	20.69	48.36
68	Yellowstone Bk	Laurel	MT	3.04	216,606	18.25	37.59
-	Great Plains NB	Elk City	OK	3.04	135,722	36.33	48.43
70	Citizens St Bk of Cheney	Cheney	KS	3.03	32,812	27.38	43.60
-	Farmers St Bk	Stanberry	MO	3.03	37,140	16.22	46.57
72	First Commerce Bk	Corpus Christi	TX	3.02	107,422	24.97	61.82
-	Credicard NB	San Antonio	TX	3.02	7,334	8.75	80.06
74	The Bank	Oberlin	KS	3.00	100,836	39.40	37.47
75	First United Bk	Englewood	CO	2.99	112,043	26.19	48.72
-	Bank of Salem	Salem	OR	2.99	81,544	16.54	21.10
77	First NB of La Grange	La Grange	IL	2.97	144,294	32.37	49.51
78	Plains St Bk	Plains City	KS	2.96	41,012	19.77	50.41
-	Community Bk Katy	Katy	TX	2.96	99,229	48.50	49.54
80	Bank Northwest	Hamilton	MO	2.95	46,932	43.35	43.27
81	Citizens B&TC-Grayson Cty	Leitchfield	KY	2.94	71,549	19.57	46.45
-	Wheeler County St Bk	Alamo	GA	2.94	25,993	31.40	49.68
83	First St Bk of Arcadia	Arcadia	FL	2.93	108,263	19.78	48.57
-	Prior Lake St Bk	Prior Lake	MN	2.93	97,886	27.61	47.47
-	Frontier St Bk	Oklahoma City	OK	2.93	37,136	23.79	57.45
-	First B&TC	Wagoner	OK	2.93	104,258	32.91	41.41
87	State Bk of Countryside	Countryside	IL	2.91	503,673	41.13	35.03
88	Alamosa NB	Alamosa	CO	2.90	76,084	32.81	51.68
-	Hill Dodge Bkg Co	Warsaw	IL	2.90	25,539	35.41	39.94
-	State Bk Texas	Irving	TX	2.90	102,155	38.48	40.58
91	Randall St Bk	Randall	MN	2.89	21,041	28.88	35.60
-	Farmers Svg Bk	Spencer	OH	2.89	129,532	13.56	26.87
-	Bonneville Bk	Provo	UT	2.89	23,066	17.38	52.77
94	High Desert St Bk	Albuquerque	NM	2.88	18,485	14.45	46.92
95	Kasson St Bk	Kasson	MN	2.87	49,898	31.84	52.53
96	Commercial Bk of Leadville	Leadville	CO	2.86	82,601	28.68	48.17
97	First St Bk Rush City	Rush City	MN	2.85	40,665	30.26	46.54
-	Bank of Commerce	Chouteau	OK	2.85	29,659	30.68	49.90
99	First St Bk	Maypearl	TX	2.84	15,445	25.93	55.16
100	Farmers & Merchants Bk	Dublin	GA	2.83	323,200	17.82	35.33
-	Farmers St Bk	Watkins	MN	2.83	23,797	18.75	45.77
-	First NB	Antlers	OK	2.83	67,394	35.28	55.91
-	Great Plains Bk	Eureka	SD	2.83	35,232	26.24	47.08

Source:

Sheshunoff Information Services

, a Thomson Financial company
© 2000 American Banker
* Community Banks are defined as independent banks with total assets < $1 billion or banks owned by a bank holding company with total assets < $1 billion

The following banks were excluded:
Banks with Credit Card Loans/Gross Loans >25%
Banks with Total Loans/Total Assets <50%