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