Top 150 Community Banks Ranked by Return on Average Assets

November 07, 2002, 10:08 a.m. EST 1 Min Read

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*Top 150 Community Banks Ranked by Return on Average Assets**
In the second quarter of 2002. Dollars in thousands Published November 7, 2002
		Return on average assets
Rank		2nd quarter	Year earlier	Total assets	Return on average equity	Efficiency ratio
1	Pitney Bowes Bank Salt Lake City	13.32%	13.18%	$416,987	91.01%	1.52%
2	Benchmark Bank Plano, Tex.	11.02	0.78	78,546	136.49	42.08
3	First Farmers and Merchants State Bank Grand Meadow, Minn.	7.3	5.05	22,480	51.39	53.96
4	Advanta Bank Corp. Draper, Utah	6.88	5.26	887,059	37.84	52.93
5	First National Bank of Lucedale Miss.	5.19	-1.04	91,313	129.03	63.18
6	First National Bank of Arizona Scottsdale	4.93	1.78	442,761	67.04	67.25
7	Bank of St. Edward Neb.	4.89	4.62	30,928	21.35	16.77
8	Wright Express Financial Services Corp. Salt Lake City	4.8	4.32	252,207	25.12	73.51
9	Central Bank Spirit Lake, Iowa	4.78	0.66	38,617	66.88	33.68
10	Broadway Bank Chicago	4.66	3.43	394,045	49.82	20.16
11	Volkswagen Bank USA Salt Lake City	4.65	N.A	387,678	19.84	16.29
12	First National Bank of Nevada Laughlin	4.58	0.4	280,134	55.87	47.69
13	Peoples National Bank Paris, Tex.	4.28	3.61	103,321	40.23	85.5
14	Security Bank of Southwest Missouri Cassville, Mo.	4.09	4.28	50,437	38.61	38.26
15	Murphy Bank Fresno	4.02	1.97	83,552	37.47	37.1
16	Republic Bank West Bountiful, Utah	3.96	2.31	149,083	35.83	13.59
17	Horizon National Bank Leawood, Kan.	3.95	7.15	106,792	38.25	79.03
18	American Investment Financial Midvale, Utah	3.8	1.89	138,114	26.55	27.75
19	Wayne Bank and Trust Co. Cambridge City, Ind.	3.77	2.08	100,628	31.1	34.95
20	Moorhead State Bank Iowa	3.74	2.42	12,860	27.33	29.04
21	Advantage Bank Spencer, Okla.	3.68	2.82	32,118	31.92	59.51
22	Crescent Bank and Trust Co. New Orleans	3.65	3.42	256,355	27.76	52.78
23	Pueblo Bank and Trust Co. Colo.	3.57	3.74	348,109	38.85	52.31
24	First National Bank of Williamson W.Va.	3.55	1.55	76,688	20.71	48.71
25	Yellowstone Bank Laurel, Mont.	3.49	2.94	241,326	21	34.12
26	First National Bank of Pinedale Wyo.	3.48	3.33	32,749	19.26	45.86
27	Chambers State Bank Neb.	3.47	2.76	25,280	12.98	29.28
28	Carver State Bank Savannah, Ga.	3.47	-1.35	26,367	45.77	67.89
29	First Community Bank Savage, Minn.	3.45	2.53	66,485	41.01	33.66
30	Vermillion State Bank Minn.	3.45	3.06	234,880	34.08	28.51
31	Pulaski Bank and Trust Co. Little Rock	3.45	1.51	327,557	44.4	64.63
32	Bank of Las Vegas	3.43	2.86	131,212	57.16	51.56
33	State Bank of Downs Kan.	3.42	4.48	65,238	27.51	30.13
34	Golden Security Bank Alhambra, Calif.	3.42	2.45	103,875	37.31	35.77
35	First Bank of Delaware Brandywine, Del.	3.41	1.08	37,605	27.86	53.35
36	Bank of Alma Wis.	3.38	2.78	124,391	15.61	11.64
37	American National Bank of Rock Springs Wyo.	3.35	2.86	47,210	25.55	42.04
38	First Coleman National Bank Tex.	3.32	3.95	54,687	31.68	42.94
39	City Bank Lynnwood, Wash.	3.32	3.54	612,480	14.92	49.21
40	University National Bank of Lawrence Kan.	3.31	3.71	84,139	32.51	43.52
41	Falcon International Bank Laredo, Tex.	3.3	2.04	232,786	46.23	50.89
42	Bank of Commerce Chouteau, Okla.	3.28	2.74	34,069	36.31	46.56
43	Bank of Okolona Miss.	3.28	2.54	59,355	21.24	37.61
44	Heritage Bank Doniphan, Neb.	3.28	3.61	4,985	7.44	51.54
45	First Bank of Okarche Okla.	3.26	2.85	42,139	19.22	31.34
46	Mason National Bank Tex.	3.23	3.2	56,239	25.42	40.77
47	State Bank of Wheaton Minn.	3.23	2.23	64,939	15.79	37.36
48	Citizens State Bank of Clara City Minn.	3.2	2.44	117,349	36	50.66
49	Home Bank of California San Diego	3.2	2.54	125,211	38.3	32.01
50	First Bank and Trust Co. Broken Bow, Okla.	3.19	3.66	79,134	33.37	44.22
51	State Bank of McGregor Minn.	3.17	3.21	39,565	34.12	40.42
52	Farmers State Bank Silver Creek, Neb.	3.15	1.35	15,022	36.84	41.94
53	First National Bank of Olney Tex.	3.14	3.1	40,766	30.23	42.06
54	State Bank of Wiley Colo.	3.14	3.92	66,261	12.32	26.01
55	Peotone Bank and Trust Co. Ill.	3.13	2.54	93,907	39.73	46.91
56	Peoples Bank Westville, Okla.	3.12	2.65	40,195	22.41	50.21
57	Farmers and Merchants Bank Dublin, Ga.	3.12	2.92	380,493	18.68	33.72
58	Peoples State Bank Cherryvale, Kan.	3.11	3.24	15,686	22.35	45.24
59	First National Bank Rotan, Tex.	3.11	1.31	41,742	31.28	49.68
60	First Bank Upper Michigan Gladstone	3.11	2.69	118,644	31.97	46.08
61	National Republic Bank of Chicago	3.11	3.39	338,783	42.08	29.47
62	First National Bank of Picayune Miss.	3.1	2.68	131,631	36.78	48.15
63	Justin State Bank Tex.	3.08	3.42	49,085	27.24	46.54
64	Charter Bank Corpus Christi, Tex.	3.05	2.54	85,952	44.09	57.3
65	Cedar Creek Bank Seven Points, Tex.	3.04	1.86	102,112	30.91	52.56
66	Cumberland Security Bank Somerset, Ky.	3.04	2.26	126,136	37.15	46.97
67	Central State Bank State Center, Iowa	3.03	2.19	49,662	15.74	30.02
68	Affinity Bank Ventura, Calif.	3.03	1.29	676,061	47.54	35.93
69	Wabasha County Bank Minn.	3.02	2.31	18,381	19.1	31.77
70	Security State Bank of Pecos Tex.	3.01	1.19	90,687	34.86	58.41
71	Corydon State Bank Iowa	3.01	1.76	35,414	27.26	27.19
72	Bank of Dade Trenton, Ga.	3	2.49	73,906	42.07	45.7
73	Bessemer Trust Co. Woodbridge, N.J.	3	4.11	510,597	23.37	65.73
74	Golf Savings Bank Mountlake Terrace, Wash.	2.99	2.1	113,690	28.08	77.99
75	PFC Bank Ford City, Pa.	2.98	1.39	341,635	24.72	49.6
76	State Bank of Kimball Minn.	2.97%	2.57%	$44,525	37.61%	43.78%
77	Citizens State Bank of Cheney Kan.	2.96	2.54	35,935	25.71	47.49
78	Lakeside Bank Chicago	2.96	2.41	391,516	27.19	48.24
79	Spring Valley Bank Wyoming, Ohio	2.96	2.75	38,431	15.6	32.19
80	First National Bank of Fairfax Minn.	2.95	-0.34	24,320	10.35	35.12
81	First National Bank of Burleson Tex.	2.94	2.83	100,732	35.85	48.97
82	Rancho Santa Fe Trust and Loan Association San Marcos, Calif.	2.94	3.81	92,631	13.93	41.36
83	Foster Bank Chicago	2.92	1.55	278,586	43.61	43.76
84	Iowa State Bank Des Moines	2.92	2.06	216,661	30.94	46.47
85	First State Bank Scottsbluff, Neb.	2.92	2.92	174,254	34.69	39.29
86	Bank Northwest Hamilton, Mo.	2.91	2.61	54,945	38.9	43.83
87	Western Bank Artesia, N.M.	2.91	3.13	87,335	24.91	45.73
88	State Bank of Countryside Ill.	2.9	2.58	648,635	30.87	32.16
89	Farmers and Merchants State Bank Pierz, Minn.	2.88	2.55	131,798	32.73	30.72
90	Heritage Bank of Schaumburg Ill.	2.87	2.02	93,888	39.01	57.44
91	State Bank of Lincoln Ill.	2.87	2.67	161,809	22.36	45.88
92	Inwood National Bank of Dallas	2.87	2.89	645,562	28.72	49
93	First Utah Bank Salt Lake City	2.85	0.39	99,468	43.56	51.76
94	Finance and Thrift Co. Porterville, Calif.	2.84	2.57	108,274	16.7	59.84
95	Randall State Bank Minn.	2.83	2.68	26,125	28.82	39.28
96	Peak National Bank Nederland, Colo.	2.83	3.11	187,714	39.71	54.58
97	Clinton State Bank Minn.	2.82	2.76	55,462	23.64	26.73
98	First Bank and Trust Co. Wagoner, Okla.	2.82	3.01	114,521	28.3	37.92
99	Richland State Bank Bruce, S.D.	2.82	2.85	29,265	21.01	59.85
100	First National Bank of Albany Tex.	2.81	2.66	199,821	22.73	40.6
101	Merchants and Farmers Bank Comer, Ga.	2.81	3.06	97,863	18.07	52.39
102	Bank National Association McAlester, Okla.	2.8	2.49	282,843	29.32	52.6
103	Union National Bank Elgin, Ill.	2.79	2.64	139,227	29.56	36.21
104	Gilmore Bank Los Angeles	2.79	1.83	82,653	15.29	47.05
105	First National Bank of Berryville Ark.	2.78	1.33	125,144	19.37	52.12
106	FirstBank of Breckenridge Colo.	2.78	2.35	81,048	37.11	43.07
107	First State Bank Shelton, Neb.	2.77	2.17	33,814	24.9	43.03
108	Bank of Bloomsdale Mo.	2.76	2.35	127,106	31.69	36.05
109	First National Bank of Hudson Woodbury, Minn.	2.76	2.21	294,033	31.4	53.16
110	Bank of Bonifay Fla.	2.76	1.15	97,540	27.78	52.77
111	Rocky Mountain Bank and Trust of Florence Colo.	2.75	1.33	52,686	34.9	59.99
112	Community National Bank Okarche, Okla.	2.75	2.55	37,583	22.42	49.48
113	Commerce Bank Aurora, Colo.	2.74	3.68	92,134	29.28	57.41
114	Farmers and Merchants Bank Kendall, Wis.	2.73	1.76	28,657	32.96	44.19
115	Farmers State Bank of Darwin Minn.	2.72	2.87	19,485	25.33	53.23
116	First Bank of Chandler Okla.	2.72	2.17	52,052	28.39	40.37
117	Bank of San Jacinto County Coldspring, Tex.	2.71	2.22	27,800	24.69	62.75
118	Bank of Mauston Wis.	2.71	2.32	168,067	26.72	44.52
119	Phoenix Savings Bank Lynnwood, Wash.	2.71	2.31	77,079	19.04	80.76
120	Gunnison Valley Bank Utah	2.7	2.54	46,154	26.6	37.41
121	Citizens National Bank at Brownwood Tex.	2.7	2.85	125,137	21.67	47.78
122	Wood County National Bank Wisconsin Rapids, Wis.	2.7	2.77	222,001	17.32	42.01
123	Farmers National Bank of Seymour Tex.	2.7	2.68	31,579	25.76	50.08
124	Commerce Bank Geneva, Minn.	2.69	0.99	47,820	28.92	43.21
125	Senath State Bank Mo.	2.68	1.68	38,602	17.87	46.97
126	Montrosebank Colo.	2.68	2.56	77,138	32.92	51.84
127	Prior Lake State Bank Minn.	2.68	2.58	128,019	25.51	49.43
128	Corner Stone Bank South West City, Mo.	2.68	2.29	89,709	19	50.24
129	International Bank of Amherst Wis.	2.68	2.4	34,897	21.55	46.49
130	Great Plains Bank Eureka, S.D.	2.67	1.61	37,153	22.44	48.77
131	South Coast Trust and Loan Association Irvine, Calif.	2.67	1.29	130,080	25.1	46.98
132	Bank of Rantoul Ill.	2.67	1.88	146,108	28.3	37.86
133	Security State Bank Wellington, Kan.	2.67	2.8	42,369	18.03	51.38
134	Elysian Bank Minn.	2.66	1.86	30,944	27.16	41.29
135	Farmers Bank and Trust Co. Great Bend, Kan.	2.66	2.32	303,400	24.12	34.7
136	Gary State Bank Minn.	2.66	2.84	9,333	18.5	55.76
137	Citizens National Bank Wills Point, Tex.	2.64	2	62,366	28.48	49.66
138	Pioneer Bank Mapleton, Minn.	2.64	2.25	144,267	29.85	46.32
139	Omaha State Bank Neb.	2.64	1.93	199,829	31.4	47.45
140	Hawkeye State Bank Iowa City	2.64	2.33	149,001	17.49	28.94
141	Mercantile Bank Louisiana, Mo.	2.64	1.63	113,360	11.69	39.25
142	Jackson State Bank and Trust Wyo.	2.63	3.26	465,969	37.1	44.16
143	FirstBank Antlers, Okla.	2.62	2.95	92,153	27.62	61.76
144	First Bank Burkburnett, Tex.	2.62	2.08	131,154	36.6	49.46
145	Interstate Bank Oak Forest, Ill.	2.62	3.33	140,135	36.46	53.49
146	First Commerce Bank Corpus Christi, Tex.	2.62	2.7	119,806	21.58	66.58
147	First National Bank and Trust Co. of Okmulgee Okla.	2.62	2.34	110,986	21.18	54.88
148	First State Bank Valliant, Okla.	2.62	2.17	32,770	17.77	55.12
149	Stanton National Bank Neb.	2.61	0.49	26,298	28.06	63.26
150	State Bank Tower, Minn.	2.6	1.75	42,124	37.33	51.97

*Independent banks with less than $1 billion of assets or whose holding companies have less than $1 billion of assets. Excluded are banks at which loans constituted less than half of assets and whose credit card loans exceeded 25% of gross loans.