Top 100 Savings and Loans by Net Interest Margin as a Pct. of Average Assets

View Table
Printer Friendly Version
Top 100 Savings and Loans by Net Interest Margin as a Pct. of Average Assets

Top 100 Savings and Loans by Net Interest Margin as a Pct. of Average Assets

Net Interest Margin as a Pct. of Average Assets as of June 30, 2000; All Dollars in Thousands ($000)
Published November 30, 2000

Rank Name City State Net interest margin/average assets June 1999 Net interest margin/average assets Net interest income June 1999 interest expense Total assets
1 Pacific Southwest Bank, FSB Corpus Christi TX 10.38 7.29 16,639 5,002 294,491
2 Security Bank Sumner NE 7.82 N/A 90 34 3,377
3 Eastern Savings Bank, FSB Hunt Valley MD 7.62 6.35 20,994 13,192 558,730
4 Home Loan and Investment Bk Providence RI 6.74 5.68 8,702 4,791 253,851
5 First Western FSB Rapid City SD 6.49 6.55 771 502 24,103
6 First Alliance Bank Jacksonville FL 6.20 5.17 2,887 827 111,531
7 Pan American Bank, FSB San Mateo CA 6.17 6.78 12,905 5,944 417,839
8 First Savings Bank, a FSB Arlington TX 6.14 5.29 9,559 7,340 344,759
9 Dollar Savings Bank Newark NJ 6.13 5.22 310 134 9,758
10 First FSB Bryan TX 6.04 5.75 2,544 1,632 84,056
11 First Investors FSB Woodbridge Twp NJ 5.56 4.61 1,562 190 44,720
12 Presidential Bank, FSB Bethesda MD 5.37 4.44 5,097 3,477 202,349
13 Marine Bank Omaha NE 5.28 N/A 427 190 20,210
¯ Capital One, FSB Falls Church VA 5.28 5.64 81,087 81,550 3,617,554
15 Frontier Bank, Fsb Park City UT 5.17 4.58 980 610 39,061
16 G & L Bank Pensacola FL 5.10 N/A 898 238 41,029
17 Ponce De Leon Federal Bank New York City NY 5.07 5.32 6,900 4,894 281,518
18 Domestic Bank Cranston RI 5.03 5.03 4,011 3,565 158,875
19 Approved FSB Virginia Beach VA 4.94 5.41 1,548 1,531 57,067
20 Pacific Trust Bank, FSB Chula Vista CA 4.88 N/A 4,038 4,308 251,032
21 N.J.M. Bank, FSB W Trenton NJ 4.84 N/A 577 187 27,967
22 Advance Bank Baltimore MD 4.82 4.52 953 480 39,584
23 First Federal Bk, N Florida Palatka FL 4.81 3.32 3,508 4,386 222,104
24 The Grange Bank Columbus OH 4.79 N/A 223 67 10,978
25 Travelers Bank & Trust, FSB Newark DE 4.76 5.42 107,679 120,353 4,937,213
¯ South Georgia Bank Glennville GA 4.76 4.03 970 807 43,123
27 Chinatown FSB New York City NY 4.75 4.91 2,604 1,993 112,718
28 Commercial Banking Company Hahira GA 4.67 3.75 1,432 1,125 65,025
29 Preferred Bank Houston TX 4.62 3.57 2,452 1,431 106,985
30 BankPacific, Ltd Agana GU 4.61 5.52 2,251 1,866 94,743
31 Wake Forest FS&LA Wake Forest NC 4.60 3.91 1,772 1,625 81,159
32 EBank Atlanta GA 4.59 4.59 1,349 1,281 69,326
33 InterAmerican Bank, a FSB Miami FL 4.55 4.08 3,545 2,794 161,132
¯ Homeland FSB Columbia LA 4.55 4.34 1,275 1,172 56,416
35 Century Bank, FSB Santa Fe NM 4.54 4.73 5,039 3,782 228,815
36 First Georgia Bank Brunswick GA 4.53 4.05 5,247 4,802 239,247
¯ Maspeth FS&LA Maspeth NY 4.53 4.32 23,508 15,860 1,035,255
38 Houston SA Houston TX 4.52 3.62 4,308 4,375 194,801
39 City and Suburban FSB Yonkers NY 4.51 4.70 9,482 7,239 427,054
40 Century South Bank Carolinas Waynesville NC 4.50 N/A 2,438 2,925 155,136
41 First S&LA of America, F.S.A Dededo GU 4.49 4.44 4,174 3,302 185,547
42 Abacus FSB New York City NY 4.48 4.09 4,125 1,875 192,130
43 Central FS & LA Of Chicago Chicago IL 4.47 4.50 2,129 1,804 97,967
44 Ideal FSB Baltimore MD 4.46 5.04 159 109 7,181
45 Coastal Bank Merritt Island FL 4.45 3.06 236 173 13,824
46 Back & Middle River FSB Essex MD 4.44 4.12 91 49 4,110
47 Dejardins FSB Hallandale FL 4.42 4.28 1,183 587 54,466
¯ Fourth FSB New York City NY 4.42 4.45 5,303 3,665 236,797
¯ Crusader Savings Bank Philadelphia PA 4.42 3.68 8,335 9,184 391,812
¯ Cavalry Banking Murfreesboro TN 4.42 4.95 8,250 6,067 366,578
51 Liberty Bank, FSB Arnolds Park IA 4.40 4.02 2,586 2,258 148,201
¯ State Bank & Trust Custer City OK 4.40 4.10 12,696 9,101 582,886
53 Colombo Bank Baltimore MD 4.39 3.79 1,496 1,281 72,444
54 Morganton FS&LA Morganton NC 4.37 4.23 1,511 1,042 69,292
¯ First FS&LA Delta OH 4.37 4.21 2,997 1,961 136,611
56 Peoples FSB Brighton MA 4.36 4.31 3,792 2,740 184,619
¯ Beacon Federal E Syracuse NY 4.36 N/A 3,982 3,148 185,918
¯ Riverview Community Bank Camas WA 4.36 4.22 7,366 6,579 352,794
59 First Citizens Bank Newnan GA 4.35 3.48 5,455 4,897 258,753
¯ Roebling Bank Roebling NJ 4.35 3.99 1,283 777 59,992
61 Fairburn Banking Company Fairburn GA 4.33 4.48 2,708 2,366 130,629
62 First Savings Bank Beresford SD 4.32 3.80 5,149 3,752 241,587
63 Federal Savings Bank Ville Platte LA 4.31 3.95 507 471 23,369
64 Metro Savings Bank, FSB Orlando FL 4.29 4.65 226 145 10,514
65 Highland Federal Bank, a FSB Los Angeles CA 4.27 4.25 14,343 15,720 692,702
¯ Blue Ridge Savings Bank, Inc Asheville NC 4.27 4.24 2,039 2,399 99,159
¯ Walden FS&LA Walden NY 4.27 3.73 1,267 990 60,559
68 Alaska Pacific Bank Juneau AK 4.26 3.94 2,609 2,015 128,638
69 BANKUSA, F.S.B. Phoenix AZ 4.25 4.77 2,464 3,166 125,138
70 Northwest Bank And Trust Co Davenport IA 4.24 3.90 3,408 2,562 160,075
71 Progressive S&L Ltd Lumberton NC 4.22 3.85 1,264 1,043 60,229
  Ameribank Welch WV 4.22 4.58 1,985 1,183 92,503
73 Principal Bank Des Moines IA 4.21 2.97 3,087 2,159 182,553
74 Citizens Union Bank Greensboro GA 4.18 4.34 2,585 2,232 126,693
¯ Carolina FSB Charleston SC 4.18 N/A 467 467 24,879
76 Nutmeg FS&LA Danbury CT 4.17 3.90 2,523 1,574 123,136
¯ Bay.Net Bank Bel Air MD 4.17 N/A 127 23 8,238
78 Gulf Federal Bank, a FSB Mobile AL 4.16 3.62 404 266 19,394
¯ Western Financial Bank, FSB Irvine CA 4.16 3.06 107,834 114,933 5,904,945
80 Peoples First Community Bank Panama City FL 4.14 4.37 22,100 22,695 1,159,784
81 Angelina SB FSB Lufkin TX 4.13 3.93 826 662 39,877
82 Profile Bank, FSB Rochester NH 4.12 3.77 1,608 1,126 80,207
¯ Gouverneur S&LA Gouverneur NY 4.12 4.37 1,513 1,302 74,925
¯ Highland FS&LA Crossville TN 4.12 3.67 1,119 923 54,428
85 United Labor Bank, FSB Oakland CA 4.11 3.60 1,956 1,649 93,425
86 Bay Financial Savings Bank Tampa FL 4.10 4.60 3,597 4,663 175,501
¯ County Savings Bank Essington PA 4.10 3.69 746 523 37,346
¯ Franklin Templeton B&T FSB Salt Lake City UT 4.10 N/A 1,051 666 84,719
89 Fitchburg Savings Bank, FSB Fitchburg MA 4.09 3.91 4,634 3,176 229,928
¯ The Seneca Falls SB Seneca Falls NY 4.09 N/A 1,218 1,544 93,000
¯ Elk County S&LA Ridgway PA 4.09 4.25 184 166 8,937
92 Gibraltar Bank, FSB Coral Gables FL 4.08 3.59 6,311 6,166 339,191
¯ American Bank Of Oklahoma Collinsville OK 4.08 3.73 617 643 32,961
94 Severn Savings Bank, FSB Annapolis MD 4.07 4.09 5,183 6,043 269,596
¯ Home FSB Hagerstown MD 4.07 4.01 4,804 4,130 240,207
96 1st United Bank Faribault MN 4.06 4.17 1,733 1,383 89,086
97 The Murray Bank Murray KY 4.05 0.34 408 352 23,734
98 First FSB of Florida Live Oak FL 4.04 3.93 5,607 4,890 276,910
¯ First Piedmont FS&LA Gaffney SC 4.04 4.20 3,955 2,873 197,878
100 The Home Bank Fsb Ducktown TN 4.03 4.23 1,244 1,165 62,569
¯ First Virgin Islands FSB Charlotte Amalie VI 4.03 4.50 1,122 1,008 56,201

Source: Sheshunoff Information Services
© 2000 American Banker