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Top 150 Bank Holding Companies by Concentration in Home Equity Loans

November 28, 2001, 10:08 a.m. EST 1 Min Read
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Top 150 Bank Holding Companies by Concentration in Home Equity Loans
Top 150 Banks and S&Ls with Highest Ratios of Nonperformers*

As a percentage of all loans on June 30, 2001; dollars in thousands
Published November 21, 2001

Rank 

Holding Company 

Nonperforming loan ratio 
June 30

Nonperforming loan
ratio 
year earlier

Nonperforming loans
and
leases

Net Chargeoffs  as % of avg. loans
1 Reliance Bank White Plains, N.Y. Avant Financial LLC Syracuse, N.Y. 21.61% 13.18% $4,927 11.97%
2 Webbank Corp. Park City, Utah None 20.67 0 2,319 0.13
3 First Commercial Bank NA Seguin, Tex. First Commercial Financial Corp. Seguin, Tex. 18.89 14.95 12,418 0.82
4 Eastern Savings Bank FSB Hunt Valley, Md. None 18.53 14.75 101,305 0.45
5 Kerman State Bank Calif. None 15.61 5.08 10,658 -0.1
6 Bank of Sierra Blanca Tex. None 15.16 5.01 1,312 6.7
7 State Bank of Eldred Ill. None 15 10.11 631 0.64
8 American Bank Welsh, La. Community Bancorp of La. Raceland, La. 14.35 10.47 6,515 4.69
9 Bank of Cordell Okla. Rocky Financial Corp. Okla. 14.32 5.01 3,702 0
10 Frontier State Bank Oklahoma City None 12.85 0.29 3,521 -0.01
11 First National Bank of Marin Las Vegas Marin National Bancorp Las Vegas 12.59 12.08 26,334 29.8
12 Upstate National Bank Lisbon, N.Y. K & Z Co. LLC Marcy, N.Y. 10.72 1.79 10,715 0.24
13 State Bank of Seaton Ill. None 10.71 5.67 752 0.34
14 First Bank of Jacksonville Fla. None 10.7 0.67 685 0
15 Beal Bank Plano, Tex. None 10.65 6.55 202,565 -0.02
16 Valley Bank Calif. None 10.19 14.54 4,841 2.31
17 Banco Financiero De Puerto Rico Ponce None 9.96 6.28 6,515 1.05
18 Citizens State Bank Okemah, Okla. Citizens Bankshares Inc. Okemah, Okla. 9.88 6.52 1,733 3.18
19 Southwest Bank Ulysses, Kan. Western Kansas Bancshares Inc. Ulysses 9.47 2.4 3,365 0.37
20 Community Bank-Excelsior Springs ** Mo. CBES Bancorp. Inc Excelsior Spring, Mo. 9.33 4.22 10,562 3.63
21 First National Bank of Holdrege Neb. First Holdrege Bancshares Neb. 9.09 10.08 5,703 1.38
22 First National Bank in Georgetown Ill. Longview Capital Corp. Newman, Ill. 9.06 4.38 1,543 1.35
23 First National Bank of Claude Tex. First Caprock Bancshares Claude, Tex. 9.05 0.38 1,437 -0.84
24 Farmers & Merchants Bank Lakeland, Ga. FMB Bancshares Inc. Lakeland, Ga. 8.83 2.14 7,159 2.77
25 Farmers State Bank Hardtner, Kan. B-K Agency Inc. Hardtner, Kan. 8.52 0.9 1,482 -0.02
26 Palm Desert National Bank Calif. Palm Desert Investments Calif. 8.43 0.46 6,357 0.01
27 Western Bank Alamogordo, N.M. Western Bancshares Carlsbad, N.M. 8.4 1.73 4,052 0.75
28 Home National Bank Racine, Ohio None 8.33 5.15 3,536 0.52
29 First Bank of Cleveland Okla. Cleveland Holding Co. Okla. 8.32 16.38 1,380 0.78
30 First State Bank Nebraska Nebraska City Avoca Co. Neb. 8.2 N/A 260 0
31 Rolette State Bank N.D. None 8.19 2.96 1,518 0.63
32 Sinclair National Bank Gravette, Ark. None 8.17 3.31 1,877 0.49
33 First National Bank of Littlefield Tex. None 8.16 5.62 494 0.81
34 Dewey State Bank Ill. None 8.12 2.3 786 -0.36
  First National Bank of Lucedale Miss. First Lucedale Bancorp. Inc. Miss. 8.12 4.82 5,824 4.01
36 International Finance Bank Miami None 8.11 5.08 8,925 1.71
37 First National Bank of Sumner Ill. None 8.08 0.1 3,929 12.45
38 Peoples Bank Mendenhall, Miss. None 8.02 3.62 6,813 0.51
39 First State Bank Waynoka, Okla. Waynoka Bancshares Inc. Okla. 7.99 9.69 722 2.16
40 First American Bank Jackson, Miss. None 7.97 5.49 1,017 0.51
  Steel Valley Bank Dillonvale, Ohio None 7.97 4.08 3,941 1.33
42 Tuscola National Bank Ill. TNB Bancorp Inc. Tuscola, Ill. 7.87 6.18 4,249 3.02
43 Security Bank-Pulaski Cty Waynesville, Mo. Security Bancshares of Pulas St. Robert, Mo. 7.78 0.29 3,972 0.34
44 Enterprise National Bank Palm Beach Fla. None 7.75 6.13 5,386 1.39
45 Virgin Islands Community Bank Christiansted None 7.55 9.48 3,899 -0.09
46 Baileyville State Bank Seneca, Kan. Baileyville Bancshares Inc. Seneca, Kan. 7.48 3.46 1,192 0.13
47 State Central Bank Keokuk, Iowa None 7.47 2.31 9,773 0.62
  PBK Bank Richmond, Ky. Community Bancshares Inc. Richmond, Ky. 7.47 1.04 7,753 0.68
49 Insouth Bank of Brownsville Tenn. Ind. Southern Bancshares Brownsville, Tenn. 7.4 7.08 25,849 0.62
50 First National Bank of Wiggins Miss. None 7.38 5.53 3,211 1.91
51 Harwood State Bank N.D. HSB Financial Corp. Harwood, N.D. 7.35 3.39 875 -0.02
52 Dutton State Bank Mont. Dutton Bancorp Inc. Mont. 7.32 6.48 552 0
53 First National Bank Folkston, Ga. First National Corp. Folkston, Ga. 7.26 2.53 1,403 0.51
54 Stebbins National Bank Creston, Ohio Stebbins Bancshares Inc. Creston, Ohio 7.2 3.9 1,150 2.43
55 Crestmark Bank Troy, Mich. Crestmark Bancorp Inc. Troy, Mich. 7.19 1.23 4,458 1.85
56 First National Bank of Marquette Neb. Marquette National Co. Neb. 7.15 5.13 893 1.18
57 Franklin T&LA Orange, Calif. None 7.12 5.75 198 9.35
  Ranchers Banks Belen, N.M. New Mexico Financial Corp. Belen, N.M. 7.12 0.58 5,953 0.38
59 Bank of Houston Mo. Ozark Bancshares Inc. Houston, Mo. 7.11 2.13 1,957 0.01
60 Farmers Bank Ault, Colo. Centennial Bank Holdings Inc. Eaton, Colo. 7.08 12.76 2,594 0.7
61 Triad Bank Tulsa, Okla. Triad Bancshares Inc. Tulsa, Okla. 7.05 1.1 6,074 0.5
62 Maryland Permanent B&TC Owings Mills, Md. Maryland Permanent Capital Corp. Owing Mills 7.04 3.44 5,158 2.6
63 Farmers State Bank of Denton Mont. W.C. Edwards Holding Co. Denton, Mont. 7.03 0.99 852 0.72
64 Bank of Calhoun County Hardin, Ill. None 6.95 7.05 2,754 1.4
65 Merrick BC South Jordan, Utah None 6.94 6.44 20,932 18.98
66 Bay Financial Savings Bank Tampa, Fla. None 6.93 5.06 8,255 0.9
  State Bank of Trenton Neb. Unibanc Corp. Maywood, Neb. 6.93 2.56 877 0
  First State Bank Altus, Okla. FSB Bancorp Inc. Altus, Okla. 6.93 2.94 2,906 0.92
69 Western State Bank Waterloo, Neb. None 6.82 0.56 939 1.11
70 Fort Davis State Bank Tex. Fort Davis Bancshares Inc. Tex. 6.78 1.48 1,696 0.57
71 Hamilton Bank N.A. Miami Hamilton Bancorp. Inc. Miami 6.71 3.17 72,366 6.13
72 Gulf Federal Bank Mobile Gulf Financial Holdings Inc. Mobile, Ala. 6.67 1.61 706 0.14
73 First Alliance Bank Jacksonville, Fla. None 6.66 0.18 14,216 0.01
74 EBank Atlanta Southeastern Commerce Holding Atlanta 6.63 0 5,055 0
75 First Southern Bank Florence, Ala. First Southern Bancshares Florence, Ala. 6.57 2.74 7,610 1.58
76 Life Bank San Bernardino, Calif. Life Financial Corp. Riverside, Calif. 6.55% 1.14% $15,528 2.21%
77 Blackfeet National Bank Browning, Mont. None 6.53 12.66 693 -4.27
78 Firstar Credit Card Bank NA Waukegan, Ill. Firstar Corp. Milwaukee 6.49 1.56 34,159 3.65
79 First National Bank of Kiester Minn. Kiester Investments Inc. Minn. 6.47 0.27 812 0.07
80 Citizens State Bank Liberal, Kan. Citizens Financial Corp. Liberal, Kan. 6.42 4.78 2,224 3.41
81 Centennial Bank Omaha Ashland Bancshares Inc. Omaha 6.41 2.99 1,376 1.7
82 Cross Country Bank Wilmington, Del. None 6.4 1.76 102,617 21.9
  State Bank of Hamburg Minn. Hamburg Financial Inc. Edina, Minn. 6.4 6.43 682 0.08
84 Park Bank Holmen, Wis. None 6.37 5.35 1,618 1.81
85 Harbor Community Bank Raymond, Wash. HCB Bancorp Inc. Raymond, Wash. 6.36 4.48 1,847 0.07
86 Wewahitchka State Bank Fla. Gulf Coast Cmty. Bancshares Wewahitchka, Fla. 6.31 1.97 1,769 2.08
87 Community State Bank Houston Grimes County Capital Corp. Houston 6.29 2.25 1,757 0.06
88 Metrobank Farmington Hills, Mich. Metro Bancorp. Inc. Farmington Hills, Mich. 6.27 1.58 5,547 0.08
89 State Bank of Conway Springs Kan. None 6.26 0.37 537 0.44
  United National Bank Natoma, Kan. Republic Bancshares Inc. Russell, Kan. 6.26 3.26 2,057 -0.29
  Citizens State Bank Gaylord, Minn. Progressive Growth Corp. Gaylord, Minn. 6.26 1.46 2,498 0.37
  Shorebank Cleveland Shorebank Corp. Chicago 6.26 3.68 1,728 -0.68
93 Alden State Bank New York None 6.19 6.4 5,790 0.69
94 First State Bank Eldorado, Ill. First Eldorado Bancshares Ill. 6.16 1.93 2,998 5.86
95 Bank of Jackson County Graceville, Fla. BJC Holdings Inc. Graceville, Fla. 6.14 2.77 973 0.28
96 Sherman County Bank Loup City, Neb. Sherman County Management Loup City, Neb. 6.12 5.18 2,873 -0.1
97 United Security State Bank FSB Marion, Iowa United Security Financial Cedar Rapids, Iowa 6.11 4.58 2,044 -0.75
98 Heartland Bank N.A. Jewell, Kan. Central Financial Corp. Hutchinson, Kan. 6.1 3.59 748 0.46
99 American Exchange Bank Elmwood, Neb. American Exchange Co. Elmwood, Neb. 6.04 5.03 1,046 -0.08
100 First National Bank American E. Lansing, Mich. First National Bancshares, E. Lansing, Mich. 6 4.45 34,052 0.28
101 Farmers National Bank of Osborne Kan. Osborne Investments Inc. Kan. 5.99 1 1,226 0.08
102 First National Bank of McClusky N.D. Davis Bancshares Inc McClusky, N.D. 5.98 6.33 793 0
103 Commercial State Bank Cedar Bluffs, Neb. None 5.96 6.34 324 0
104 First State Bank Parkin, Ark. Parkin Bancorp. Inc. Ark. 5.95 1.78 1,460 7.72
105 Texline State Bank Tex. None 5.94 1.44 677 0.74
106 Timberwood Bank Wabeno, Wis. Wabeno Bancorp. Inc. Venice, Fla. 5.91 1.61 503 0.14
107 First State Bank Hordville, Neb. Firstand Co. Hordville, Neb. 5.88 1.35 827 2.92
108 Approved FSB Virginia Beach, Va. Approved Financial Corp. Virginia Beach, Va. 5.87 0 3,304 3.59
109 Union Bank Arizona NA Gilbert Heartland Bancshares Inc. Lenox, Iowa 5.84 1.3 1,253 4.72
110 Roxbury Bank Kan. Roxbury Bancshares Inc. Kan. 5.83 0.81 769 6.06
  Currie State Bank Minn. Currie Bancorp Inc. Minn. 5.83 5.9 585 -0.02
112 Matrix Capital Bank ** Las Cruces, N.M. Matrix Capital Corp. Denver 5.79 9.41 76,947 0.92
113 Gerber State Bank Argenta, Ill. None 5.77 0.97 1,302 0.25
114 Ralls County State Bank New London, Mo. New London Bancshares Inc. Mo. 5.76 2.15 2,277 4.34
115 First National Bank and Trust Pipestone, Minn. Fishback Financial Corp. Brookings, S.D. 5.72 9.48 4,484 -0.04
116 Citizens National Bank Benbrook, Tex. Bryant-Irvin Bancshares Inc. Benbrook, Tex. 5.71 4.04 3,635 1.38
117 First National Bank of Barnesville Ga. None 5.7 1.54 4,692 5.03
  First Capital Bank Guthrie, Okla. FCB Holdings Inc. Guthrie, Okla. 5.7 6.45 2,458 0.17
119 Community Bank Pittsfield, Ill. None 5.66 3.92 764 0.88
120 First State Bank of Warner S.D. First Bank Shares Corp. Warner, S.D. 5.65 3.33 1,495 0.57
121 First Consumers National Bank Beaverton, Ore. None 5.64 4.67 9,468 7.07
122 Net First National Bank Boca Raton, Fla. First Telebanc Corp. Boca Raton, Fla. 5.63 4.13 1,150 0
123 Reelfoot Bank Union City, Tenn. Reelfoot Bancshares Inc. Union City, Tenn. 5.58 3.52 4,462 1.25
124 Tri State Bank of Memphis None 5.57 3.53 4,116 0.4
125 First National Bank of Spearville Kan. None 5.54 1.35 598 2.46
126 Commercial National Bank L’Anse, Mich. Keweenaw Financial Corp. Hancock, Mich. 5.53 1.67 1,758 0.45
127 Albina Community Bank Portland, Ore. N.E. Portland Cmty. Development Bank Ore. 5.49 3.73 2,261 0.39
128 First Credit Bank Los Angeles None 5.47 2.54 10,211 0
  Bank of Benoit Miss. None 5.47 8.65 480 0.42
130 Banner County Bank Harrisburg, Neb. Banner County Bancorp. Harrisburg, Neb. 5.45 2.48 621 0.22
  IBJ Whitehall Bank and Trust Co. New York Industrial Bank of Japan Tokyo 5.45 1.81 128,897 3.11
132 Providian National Bank Tilton, N.H. None 5.44 4.56 732,334 10.05
133 Citizens Bank of Weir Kan. None 5.42 0.94 253 -0.09
134 Finance Factors Honolulu None 5.4 6.8 16,683 0.42
  Farmers State Bank Phillipsburg, Kan. Phillips Holdings, Inc. Phillipsburg, Kan. 5.4 1.61 626 0.12
  Scandia American B&T Co. Stanley, N.D. Scandia American Bancorp. Stanley, N.D. 5.4 3.42 1,634 -0.06
137 First National Bank of Jonesboro Ill. Jonesboro Banco Inc. Ill. 5.34 2.27 1,881 0.22
138 Williamsburg First National Kingstree, S.C. WFNB Bankshares Inc. Kingstree, S.C. 5.32 4.61 1,967 -0.01
139 Thayer County Bank Hebron, Neb. Thayer Agency Inc. Hebron, Neb. 5.3 1.38 1,403 0.72
140 Bankhaven Haven, Kan. Wheatland Investments Inc. Haven, Kan. 5.27 0.01 815 0
141 Century South Bank of Alabama Oxford BB&T Corp. Winston-Salem, N.C. 5.26 2.38 2,545 2.94
142 Castle Rock Bank Colo. Castle Rock Bank Holding Co. Colo. 5.24 3.91 3,424 -0.14
143 United Midwest Savings Bank ** De Graff, Ohio MSB Capital Corp. Columbus, Ohio 5.22 3.74 10,033 0.17
144 First National Bank Rotan, Tex. Rotan Bancshares Inc. Tex. 5.21 4.74 1,173 1.38
145 H F Gehant Banking Co. West Brooklyn, Ill. None 5.2 1.41 981 0.12
146 United Southwest Bank Cottonwood, Minn. Empire Bancshares Inc. Cottonwood, Minn. 5.17 2.63 1,178 0.3
147 Citizens State Bank Grafton, N.D. Citizens State Bancorp. Grafton, N.D. 5.16 2 1,592 0.08
148 First State Bank of Emmons Minn. Lake Bankshares Inc. Emmons, Minn. 5.15 0.27 289 0.11
  Citizens State Bank Kelliher, Minn. Kelliher Bancshares Inc. Minn. 5.15 2.43 549 0.19
  Traders National Bank of Tullahoma Tenn. Tracorp Inc. Tullahoma, Tenn. 5.15 1.09 4,029 -0.05

*Commercial banks unless otherwise noted. Excludes institutions with less than half of assets in loans.
**Thrifts Data calculated from from preliminary quarterly call reports and thrift financial reports from the FDIC and
the Office of Thrift Supervision on 7,202 banks and 876 thrifts insured by the FDIC.

© 2001 American Banker

Source:

 Thomson Financial/Sheshunoff Information Services (
www.<b><i>sheshunoff.</i></b>com
)