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Top 150 Banks and S&Ls with Highest Ratios of Nonperformers

January 25, 2002, 10:08 a.m. EST 1 Min Read
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Top 150 Banks and S&Ls with Highest Ratios of Nonperformers
Top 150 Banks and S&Ls with Highest Ratios of Nonperformers*

As a percentage of all loans on September 30, 2001; dollars in thousands
Published January 25, 2002 

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.		 27.80% 5.36% $5,931 8.16%
2 Webbank Corp. Park City, Utah None 24.7 0 2,840 0.12
3 Eastern Savings Bank FSB
Hunt Valley, Md.		 None 21.11 15.48 115,294 0.49
4 First National Bank of Marin Las Vegas Marin National Bancorp
Las Vegas		 18.12 16.19 43,989 28.4
5 Bank of Sierra Blanca Tex. None 14.19 6.29 1,157 6.62
6 First Bank Jacksonville Fla. None 14.04 2.99 819 0
7 Farmers Bank Hamburg, Ark. None 13.89 0.52 4,764 0.01
8 First Southern Bank Florence, Ala. First Southern Bancshares Florence, Ala. 13.4 2.96 13,876 2.35
9 State Bank of Eldred Ill. None 13.3 14.38 532 1.4
10 American Bank Welsh, La. Comm. Bancorp of Louisiana Raceland, La. 13.02 12.69 5,436 3.48
11 McClave State Bank Colo. None 12.02 3.84 1,814 3.12
12 Farmers State Bank
Hardtner, Kan.		 B-K Agency Inc. Hardtner, Kan. 11.87 0.92 1,884 4.64
13 International Finance Bank Miami None 11.8 5.67 14,282 3.44
14 Citizens State Bank Liberal, Kan. Citizens Financial Corp.
Liberal, Kan.		 11.63 9.03 3,738 2.15
15 First American Bank
Jackson, Miss.		 None 11.62 8.14 1,535 0.31
16 Triad Bank Tulsa, Okla. Triad Bancshares Inc. Tulsa, Okla. 11.29 1.19 9,634 0.51
17 Southwest Bank Ulysses, Kan. Western Kansas Banckshares Inc. Ulysses 11.23 2.79 4,059 1.17
18 Community Bank of Excelsior Spring Mo. CBES Bancorp Inc. Excelsior Spring, Mo. 11.22 8.41 11,579 2.76
19 First Commercial Bank Seguin, Tex. First Commercial Finl. Corp. Seguin, Tex. 10.84 22.32 6,346 1.04
20 Banco Financiero de Puerto Rico Ponce None 10.8 7.65 7,089 1.17
21 Beal Bank
Plano, Tex.		 None 10.41 5.46 193,205 -0.02
22 Maryland Permanent B&T Co. Owings Mills MD Permanent Capital Corp. Owings Mills, Md. 10.27 2.98 6,966 1.84
23 Bank of Bolivar Tenn. Community Financial Services
Bolivar, Tenn.		 9.84 1.65 4,464 1.9
24 Upstate National Bank Lisbon, N.Y. K & Z Company LLC Brooklyn, N.Y. 9.51 1.75 9,369 2.37
25 Valley Bank
Moreno Valley, Calif.		 None 9.26 7.21 4,238 2.64
26 Citizens State Bank Okemah, Okla. Citizens Bankshares Inc. Okemah, Okla. 9.12 7.33 1,553 3.9
27 State Bank of Seaton Ill. None 9.01 2.56 576 0.37
28 Fort Davis State Bank Tex. Fort Davis Bancshares Inc. Tex. 9 0.95 2,297 0.59
29 Cedar Valley State Bank
St. Ansgar, Iowa		 American Bancorp.
Cedar Falls, Iowa		 8.93 1.08 573 0.8
30 Fremont County Savings Bank Sidney, Iowa Southwest Co. Oakland, Iowa 8.78 0.65 1,477 0.88
31 First National Bank of Wiggins Miss. None 8.75 6.45 3,776 1.58
32 Great Eastern Bank of Florida Miami None 8.71 2.93 2,806 0.15
33 Bank of Jackson County
Graceville, Fla.		 BJC Holdings Inc. Graceville, Fla. 8.68 2.52 1,324 -0.01
34 Merrick BC South Jordan, Utah None 8.44 8.52 26,014 17.41
35 Roxbury
Bank Kan.		 Roxbury Bancshares Inc. Kan. 8.36 1.44 1,076 3.96
36 Rolette State Bank N.D. None 8.23 3.69 1,532 0.64
37 Bay Financial Savings Bank Tampa None 8.19 5.42 8,618 0.9
38 Mason National Bank Tex. Mason National Bank ESOP Tex. 8.15 0.87 3,089 0.16
39 First National Bank in Munday Tex. First Baird Bancshares Inc. Baird, Tex. 8.12 0.19 2,139 -0.12
40 Bank of Calhoun County Hardin, Ill. None 8.11 8.54 3,239 0.97
41 Stebbins National Bank Creston, Ohio Stebbins Bancshares Inc. Creston, Ohio 8.1 1.51 1,263 1.96
42 First Credit Bank Los Angeles None 8.08 1.57 15,732 0
43 Farmers and Merchants Bank Lakeland, Ga. FMB Bancshares Inc. Lakeland, Ga. 8.04 5.58 6,210 2.62
44 First NB American East Lansing, Mich. First National Bancshares East Lansing, Mich. 8 5.54 43,085 0.47
45 First National Bank of Sumner Ill. None 7.97 0.1 3,552 9.31
46 Home National Bank Racine, Ohio None 7.89 4.04 3,187 4.31
47 United Security Savings Bank Marion, Iowa United Security Financial Cedar Rapids, Iowa 7.88 8.04 2,689 -1.02
48 State Bank of Conway
Springs Kan.		 None 7.86 1.08 672 0.45
49 Beatrice National Bank and Trust Co. Neb. Cook Investment Inc.
Beatrice, Neb.		 7.78 1.46 6,540 2.6
50 Ranchers Banks Belen, N.M. New Mexico Financial Corp. Belen, N.M. 7.75 1.68 6,036 1.61
51 IBJ Whitehall Bank and Trust Co.
New York		 Industrial Bank of Japan Tokyo 7.72 2.62 170,737 4.21
52 Hamilton Bank Miami Hamilton Bancorp Inc. Miami 7.65 2.11 73,614 4.78
53 Village Bank and Trust Co.
Martelle, Iowa		 None 7.63 0.42 1,236 0.07
54 Kerman State Bank Calif. None 7.61 3.61 5,324 0.39
55 Harbor Community Bank
Raymond, Wash.		 HCB Bancorp Inc. Raymond, Wash. 7.6 6.31 2,125 0.03
56 First Bank of Cleveland Okla. Cleveland Holding Co. Cleveland, Okla. 7.58 14.69 1,280 0.87
57 Gulf Federal Bank Mobile, Ala. Gulf Financial Holdings Inc. Mobile, Ala. 7.57 3.9 796 0.09
58 First Capital Bank of North Dakota
W. Fargo		 Ideal Bancshares Inc. West Fargo, N.D. 7.57 12.91 1,102 0.12
59 First National Bank of Anson Tex. Anson Bancshares Inc. Tex. 7.51 3.89 2,411 2.67
60 First State Bank of Murdock Minn. Murdock Bancorp Inc. Mendota Heights, Minn. 7.5 0.31 490 0
61 First National Bank of Lucedale Miss. First Lucedale Bancorp Inc. Miss. 7.33 9.02 4,948 4.79
62 Farmers Bank
Ault, Colo.		 Centennial Bank Holdings Inc. Eaton, Colo. 7.19 14.05 3,387 0.44
63 Peoples Bank Taos, N.M. Winter Trust of 12/3/74
Ottawa, Kan.		 7.19 2.53 3,748 0.22
64 First Enterprise Bank
Oklahoma City		 None 7.16 2.26 9,776 0
65 Bank of Houston Mo. Ozark Bancshares Inc. Houston, Mo. 7.01 2.31 1,972 0.07
66 Texline State Bank Tex. None 6.99 2.5 774 0.59
67 First National Bank of Holdrege Neb. First Holdrege Bancshares Neb. 6.98 9.41 4,324 0.83
68 Southern Commerce Bank Tampa None 6.97 2.62 2,860 0.28
69 State Bank of Trenton Neb. Unibanc Corp. Maywood, Neb. 6.96 2.7 910 0
70 First Consumers NB Beaverton, Ore. None 6.96 4.69 9,090 8.16
71 V.I. Community Bank Christiansted None 6.92 10.9 3,471 0.08
72 Wenona State Bank Ill. Wenona Bancorp Inc. Ill. 6.91 2.77 1,004 0.08
73 Enterprise NB of Palm Beach Fla. None 6.9 6.25 5,176 0.91
74 Bank of Alamo Tenn. None 6.88 0.76 4,336 1.74
75 State Bank and Trust Co. Dallas None 6.86 0.44 5,953 0.2
76 Peoples Bank Mendenhall, Miss. None 6.80% 5.52% $5,748 0.55%
77 Citizens State Bank Kelliher, Minn. Kelliher Bancshares Inc. Minn. 6.77 1.99 712 1.08
78 PBK Bank Richmond, Ky. Community Bancshares, Inc. Richmond, Ky. 6.75 1.32 6,316 3.27
79 Cross Country Bank
Wilmington, Del.		 None 6.7 2.37 111,898 22.71
80 American B&T Co. Coushatta, La. American Bancshares-Red River
Coushatta, La.		 6.7 4.23 2,887 0.41
81 First State Bank of Warner S.D. First Bank Shares Corp. Warner, S.D. 6.7 2.81 1,632 2.08
82 Sherman County Bank
Loup City, Neb.		 Sherman County Management Loup City, Neb. 6.66 4.21 2,980 -0.06
83 Brotherhood B&T Co.
Kansas City, Kan.		 Intl. B’hood of Boilmakers Etc. Kansas City, Kan. 6.63 0.27 13,349 0.81
84 Fowler State Bank Kan. FSB Bankshares Inc. Fowler, Kan. 6.61 1.43 1,187 0.13
85 Western State Bank
Waterloo, Neb.		 None 6.61 0.18 973 2.08
86 Kinderhook State Bank Ill. None 6.51 2.83 1,237 0.23
87 First National Bank of Littlefield Tex. None 6.48 4.81 397 1.14
88 Wewahitchka State Bank Fla. Gulf Coast Comm. Bancshrs. Wewahitchka, Fla. 6.46 0.16 1,741 2.88
89 Steel Valley Bank Dillonvale, Ohio None 6.44 3.64 3,270 1.22
90 First National Bank Folkston, Ga. First National Corp.
Folkston, Ga.		 6.41 1.09 1,285 0.46
91 Castle Rock Bank Colo. Castle Rock Bank Holding Co. Colo. 6.39 4.9 4,418 -0.09
92 State Central Bank Keokuk, Iowa None 6.39 1.17 8,493 0.46
93 Savanna State Bank Savanna, Ill. Thomson Investment Co. Thomson, Ill. 6.38 5.55 1,456 0.6
94 First International Bank
Chula Vista, Calif.		 None 6.36 1.72 1,885 0.38
95 Eagle National Bank
Upper Darby, Pa.		 None 6.36 4.33 2,542 17.22
96 Net First National Bank
Boca Raton, Fla.		 First Telebanc Corp. Boca Raton, Fla. 6.35 6.07 1,413 0.09
97 Gerber State Bank Argenta, Ill. None 6.29 3.14 1,419 0.35
98 Farmers State Bank
Fairmont, Neb.		 Fairmont Farmers State Co. Neb. 6.28 4.98 291 0
99 United Banking Co. Nashville, Ga. FMB Bancshares Inc.
Lakeland, Ga.		 6.27 2.9 3,806 2.03
100 Merchants and Farmers Bank Melville, La. None 6.21 4.19 283 0.87
101 Crestmark Bank Troy, Mich. Crestmark Bancorp Inc. Troy, Mich. 6.19 5.34 4,320 2.31
102 First National Bank of Fleming Colo. Fleming Community Agency Colo. 6.06 12.17 404 1.24
103 First Capital Bank Guthrie, Okla. FCB Holdings Inc. Guthrie, Okla. 6.06 6.85 2,838 0.55
104 First National Bank in Georgetown Ill. Longview Capital Corp.
Newman, Ill.		 6.04 5.44 969 0.92
105 Peoples State Bank of Comfrey Minn. Carlson Bankshares Inc. Comfrey, Minn. 5.96 1.6 473 0.72
106 First State Bank Altus, Okla. FSB Bancorp Inc. Altus, Okla. 5.96 3.63 2,471 0.64
107 Pan American Bank Chicago JD Financial Group Inc. Chicago 5.94 2.78 1,493 2.44
108 First Comm. Bank of S.W. Bainbridge, Ga. PAB Bankshares Inc. Valdosta, Ga. 5.91 4.61 7,641 0.36
109 Patterson Bank Ga. Patterson Bankshares Inc. Ga. 5.89 4.48 4,587 0.85
110 Walhalla State Bank N.D. Walhalla BHC N.D. 5.85 9.37 1,475 4.99
111 Western Bank Alamogordo, N.M. Western Bancshares, Carlsbad, N.M. 5.83 4.64 2,710 0.8
112 Matrix Capital Bank Las Cruces, N.M. Matrix Capital Corp. Denver 5.82 8.48 69,733 0.76
113 Brickyard Bank Lincolnwood, Ill. Brickyard Bancorp Inc. Northbrook, Ill. 5.72 2.36 6,593 0.39
114 Citizens State Bank Gaylord, Minn. Progressive Growth Corp. Gaylord, Minn. 5.68 1.43 2,366 0.61
115 First National Bank of Barnesville Ga. None 5.67 4.73 4,321 3.42
116 Goodman State Bank Mo. None 5.66 2.36 585 0
117 Western State Bank Duarte, Calif. None 5.65 1.15 3,326 0.63
118 United Midwest Savings Bank De Graff, Ohio MSB Capital Corp.
Columbus, Ohio		 5.62 3.86 10,344 0.26
119 Citizens Bank of Weir Kan. None 5.57 0.97 257 -0.45
120 Life Bank San Bernardino, Calif. Life Financial Corp.
Riverside, Calif.		 5.55 3.1 12,013 1.69
121 First State Bank Hordville, Neb. Firstand Co. Hordville, Neb. 5.52 1.57 790 1.91
122 State Bank of Lebo Kan. Lebo Bancshares Inc. Kan. 5.51 0.45 776 1.97
123 Hemisphere National Bank Miami None 5.49 0.93 7,550 0.25
124 Southern Pacific Bank Los Angeles Comerica Inc. Detroit 5.47 4.57 74,415 3.95
125 Tuscola National Bank Ill. TNB Bancorp Inc. Tuscola, Ill. 5.45 5.12 2,837 2.03
126 Centennial Bank Omaha Ashland Bancshares Inc. Omaha 5.43 11.55 1,228 1.59
127 Bankfirst Sioux Falls, S.D. Bankfirst Corp. Inc.
Sioux Falls, S.D.		 5.42 6.05 43,697 15.16
128 Peoples Bank Magnolia, Ark. Golden Oaks Bancshares Inc. Magnolia, Ark. 5.39 1.29 1,525 0.17
129 Frontier State Bank Show Low, Ariz. None 5.39 2.13 3,679 0.39
130 First State Bank of Emmons Minn. Lake Bank Shares Inc. Emmons, Minn. 5.39 0.21 291 0.07
131 Firstar Credit Card Bank Waukegan, Ill. U.S. Bancorp Minneapolis 5.38 1.7 28,970 4.12
132 Citizens Bank Georgetown, Ky. Premier Financial Bancorp Georgetown, Ky. 5.37 1.64 4,485 0.31
133 First B&T Co. of Illinois Palatine Hershenhorn Bancorp Palatine, Ill. 5.34 1.08 47,649 1.27
134 Farmers and Merchants Bank Hill City, Kan. Stockton Bancshares Inc. Kan. 5.34 0.34 1,369 0
135 First National Bank in Clinton Ky. First Trust Financial Corp. Clinton, Ky. 5.34 1.45 2,102 2.89
136 First National Bank of Stratton Colo. Stratton Bancshares Inc. Stratton, Colo. 5.33 0.3 1,575 0.12
137 Bank and Trust of Puerto Rico
Hato Rey		 None 5.33 3.84 26,587 0.45
138

Farmers National
Bank of Osborne Kan.

 Osborne Investments Inc. Kan. 5.31 1.05 1,092 0.04
139 Providian Bank
Salt Lake City		 None 5.31 2.86 57,808 9.61
140 BankTennessee Collierville Cumberland Bancorp Inc. Nashville 5.3 1.7 8,719 0.64
141 Baileyville State Bank Seneca, Kan. Baileyville Bancshares Inc. Seneca, Kan. 5.29 1.32 855 0.08
142 First National B&T Pipestone, Minn. Fishback Financial Corp. Brookings, S.D. 5.29 8.78 4,101 0.25
143 Ralls County State Bank
New London, Mo.		 New London Bancshares Inc. Mo. 5.29 2.2 2,109 2.93
144 Thomasville National Bank Ga. Thomasville Bancshares Inc. Ga. 5.28 0.4 6,653 0.1
145 Genoa National Bank Neb. None 5.26 3.84 2,064 0.58
146 Harwood State Bank N.D. HSB Financial Corp.
Harwood, N.D.		 5.22 5.78 612 3.33
147 Bank of Kilmichael Miss. None 5.18 3.4 1,700 0.15
148 Reelfoot Bank Union City, Tenn. Reelfoot Bancshares Inc. Union City, Tenn. 5.18 3.88 4,092 1.73
149 Finance Factors Honolulu None 5.15 5.27 15,659 0.29
150 Commercial National Bank L’Anse, Mich. Keweenaw Financial Corp. Hancock, Mich. 5.13 1.92 1,646 0.31

*Excludes institutions with less than half of assets in loans.  Data were calculated from preliminary quarterly call reports
and financial reports from the FDIC and the Office of Thrift Supervision on 7,202 banks and 876 savings and loan institutions
insured by the FDIC

©2002 American Banker
Source: Thomson Financial/Sheshunoff Information Services (www.shesunoff.com)
Banks, thrifts and holding companies