Top 200 Community Banks and Thrifts as Ranked by 3-Year Average ROE
April 27, 2012, 8:42 p.m. EDT 1 Min Read
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Top 200 Community Banks and Thrifts as Ranked by 3-Year Average ROE
Top 200 Community Banks and Thrifts as Ranked by 3-Year Average ROE | |||||||||||||
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Rank | Institution | Location | Total Assets ($000) | Market Value ($M) | Closing Price ($) | 3-YR ROAE Avg. (%) | ROE (%) | ROA (%) | Net Interest Margin (%) | Net Income ($000) | Total Noninterest Income ($000) | Efficiency Ratio (%) | Total Risk-Based Capital |
1 | HBancorporation (HBIN) | Lawrenceville, IL | 72,748 | 3.9 | 15 | 26.87 | 27.37 | 2.48 | 5.63 | 1,852 | 113 | 55.02 | 12.73 |
2 | Guaranty Bancshares (GNTY) | Mount Pleasant, TX | 1,090,803 | 91.1 | 26.5 | 20.96 | 17.68 | 1.39 | 3.61 | 14,257 | 9,487 | 69.86 | 14.37 |
3 | Tri-County Financial Group (TYFG) | Mendota, IL | 751,855 | 29.9 | 83 | 19.59 | 15.9 | 1.2 | 3.98 | 8,573 | 42,202 | 75.73 | 13.62 |
4 | Sunwest Bank (SWBC) | Irvine, CA | 609,179 | 61.7 | 27,000.00 | 19.03 | 10.13 | 1.26 | 6.93 | 7,748 | 1,592 | 64.78 | 18.16 |
5 | Citizens Financial Services (CZFS) | Mansfield, PA | 878,567 | 105.9 | 36.5 | 17.88 | 17.85 | 1.52 | 3.94 | 12,832 | 6,695 | 48.65 | 16.23 |
6 | Southern Missouri Bancorp (SMBC) | Poplar Bluff, MO | 772,584 | 81.4 | 25.04 | 15.48 | 16.11 | 1.43 | 4.32 | 10,116 | 3,822 | 45.77 | 19.98 |
7 | Chesapeake Bancorp (CPKB) | Chestertown, MD | 92,144 | 12.1 | 34 | 15.44 | 19.85 | 2.12 | 4.16 | 1,986 | 409 | 58.28 | 17.03 |
8 | Minster Financial Corp. (MTFC) | Minster, OH | 327,959 | 45.5 | 44 | 15.43 | 14.24 | 1.26 | 3.86 | 3,986 | 2,669 | 59.13 | 13.97 |
9 | Bridge Bancorp (BDGE) | Bridgehampton, NY | 1,337,458 | 183.8 | 21.69 | 15.08 | 14.37 | 0.88 | 3.97 | 10,359 | 6,814 | 58.64 | 16.2 |
10 | Merchants Bancshares (MBVT) | South Burlington, VT | 1,611,869 | 160.3 | 27.1 | 14.98 | 14.11 | 0.97 | 3.51 | 14,620 | 9,386 | 67.67 | 15.92 |
11 | Arrow Financial Corp. (AROW) | Glens Falls, NY | 1,962,684 | 291.4 | 24.5 | 14.72 | 13.45 | 1.13 | 3.36 | 21,933 | 23,133 | 60.16 | 15.96 |
12 | Cass Information Systems (CASS) | Bridgeton, MO | 1,319,301 | 420.7 | 40.52 | 14.54 | 15.17 | 1.77 | 4.31 | 23,009 | 62,781 | 65.7 | 19.03 |
13 | Commercial National Financial Corp. (CEFC) | Ithaca, MI | 376,647 | 25.7 | 7.9 | 14.39 | 11.84 | 0.63 | 3.63 | 2,484 | 1,668 | 69.28 | 13.77 |
14 | Hingham Institution for Savings (HIFS) | Hingham, MA | 1,127,276 | 114.8 | 53.99 | 14.26 | 15.32 | 1.14 | 3.5 | 12,062 | 1,700 | 40.11 | 13.55 |
15 | Canandaigua National Corp. (CNND) | Canandaigua, NY | 1,761,470 | 171.7 | 91 | 14.04 | 12.4 | 0.94 | 4.01 | 15,925 | 28,999 | 65.09 | 13.61 |
16 | Chesapeake Financial Shares (CPKF) | Kilmarnock, VA | 637,953 | 44 | 13.45 | 14 | 15.31 | 1.13 | 4.7 | 6,981 | 14,706 | 70.48 | 13.43 |
17 | Malaga Financial Corp. (MLGF) | Palos Verdes Estates, CA | 827,000 | 86.3 | 14.65 | 13.99 | 12.14 | 1.36 | 3.62 | 11,115 | 615 | 33 | 20.2 |
18 | Penns Woods Bancorp (PWOD) | Williamsport, PA | 763,953 | 150.5 | 39.23 | 13.85 | 16.6 | 1.69 | 4.69 | 12,362 | 7,598 | 50.62 | 15.27 |
19 | Baker Boyer Bancorp (BBBK) | Walla Walla, WA | 502,019 | 124.1 | 95 | 13.83 | 14.45 | 1.22 | 4.06 | 5,962 | 9,854 | 66.35 | 13.5 |
20 | 1st Summit Bancorp of Johnstown (FSMK) | Johnstown, PA | 740,978 | 81.8 | 74.5 | 13.82 | 14.51 | 1.04 | 3.54 | 7,406 | 3,867 | 53.44 | 15.17 |
21 | Cambridge Bancorp (CATC) | Cambridge, MA | 1,275,860 | 129.4 | 34 | 13.78 | 13.26 | 1.06 | 3.98 | 12,477 | 17,595 | 68.47 | 15.29 |
22 | HomeTown Bank, N.A. | Galveston, TX | 426,033 | NA | NA | 13.78 | 14.05 | 1.3 | 4.79 | 5,060 | 1,665 | 56.62 | 15.76 |
23 | Peoples Financial Services Corp. (PFIS) | Hallstead, PA | 621,404 | 90.4 | 29 | 13.76 | 14.79 | 1.33 | 4.18 | 7,817 | 3,958 | 54.89 | 12.69 |
24 | Lyons Bancorp (LYBC) | Lyons, NY | 555,451 | 40.3 | 31.25 | 13.64 | 14.78 | 0.96 | 3.5 | 5,138 | 5,966 | 68.62 | 13.84 |
25 | Access National Corp. (ANCX) | Reston, VA | 809,758 | 106 | 10.4 | 13.56 | 14.8 | 1.5 | 3.82 | 11,388 | 36,429 | 70.84 | 15.59 |
26 | Country Bank Holding Co. (CYHC) | New York, NY | 470,229 | 15.7 | 9,000.00 | 13.55 | 11.96 | 0.65 | 3.51 | 3,020 | 1,399 | 72.76 | 12.52 |
27 | American Business Bank (AMBZ) | Los Angeles, CA | 1,177,726 | 110.5 | 24.95 | 13.53 | 13.01 | 0.91 | 3.39 | 9,886 | 1,645 | 63.48 | 17.84 |
28 | West Milton Bancorp (WMBC) | West Milton, PA | 323,941 | 36.8 | 48 | 13.46 | 14.87 | 1.24 | 3.52 | 3,903 | 1,423 | 49.98 | 15.96 |
29 | Tri City Bankshares Corp. (TRCY) | Oak Creek, WI | 1,215,143 | 150.9 | 16.95 | 13.32 | 8.1 | 0.85 | 4.69 | 9,516 | 11,842 | 66.06 | 17.08 |
30 | Muncy Bank Financial (MYBF) | Muncy, PA | 300,003 | 48.9 | 32 | 13.22 | 15.52 | 1.48 | 4.44 | 4,317 | 1,481 | 53.22 | 13.6 |
31 | FPB Financial Corp. (FPBF) | Hammond, LA | 174,720 | 11.7 | 33.25 | 13.08 | 11.71 | 1.04 | 5.12 | 1,818 | 2,107 | 68.09 | 15.01 |
32 | Union Bankshares (UNB) | Morrisville, VT | 552,751 | 85.1 | 19.11 | 13.07 | 12.56 | 1.04 | 4.13 | 5,219 | 7,131 | 71.99 | 12.15 |
33 | RBC (RBCI) | Demopolis, AL | 259,619 | 23.4 | 45 | 12.78 | 14.31 | 1.44 | 3.95 | 3,480 | 2,112 | 61.42 | 14.24 |
34 | Commercial National Financial Corp. (CNAF) | Latrobe, PA | 401,046 | 71.7 | 25.07 | 12.73 | 13.72 | 1.76 | 4.82 | 6,715 | 2,868 | 58.1 | 21.63 |
35 | New Tripoli Bancorp (NTBP) | New Tripoli, PA | 321,756 | 58.4 | 800 | 12.61 | 13.24 | 1.55 | 4.05 | 4,798 | 716 | 46.21 | 18.82 |
36 | Somerset Trust Holding Co. (SOME) | Somerset, PA | 715,376 | 68.9 | 28.13 | 12.5 | 14.85 | 1.1 | 4.74 | 7,421 | 7,263 | 67.88 | 13.22 |
37 | Steuben Trust Corp. (SBHO) | Hornell, NY | 390,652 | 37 | 22.5 | 12.48 | 12.01 | 1.17 | 4.29 | 4,340 | 4,337 | 66.27 | 17.92 |
38 | Woodlands Financial Services Co. (WDFN) | Williamsport, PA | 314,910 | 26.5 | 35.5 | 12.41 | 12.53 | 1.05 | 3.73 | 3,127 | 2,591 | 69.28 | 13.8 |
39 | National Bankshares (NKSH) | Blacksburg, VA | 1,067,102 | 199 | 28.67 | 12.4 | 12.89 | 1.71 | 4.59 | 17,638 | 8,399 | 40.99 | 20.9 |
40 | CNB Financial Corp. (CCNE) | Clearfield, PA | 1,602,207 | 209.4 | 16.86 | 12.28 | 12.36 | 1 | 3.55 | 15,104 | 10,402 | 54.96 | 15.14 |
41 | Farmers & Merchants Bancorp (FMCB) | Lodi, CA | 1,919,684 | 276.7 | 355 | 12.23 | 12.1 | 1.19 | 4.4 | 22,209 | 12,179 | 49.19 | 14.86 |
42 | First Community Financial Corp. (FMFP) | Mifflintown, PA | 387,883 | 42.9 | 30.5 | 12.19 | 13.8 | 1.1 | 3.86 | 4,146 | 3,045 | 56.66 | 18.2 |
43 | Benchmark Bankshares (BMBN) | Kenbridge, VA | 416,196 | 39.2 | 15.11 | 12.03 | 12.89 | 1.27 | 4.99 | 5,278 | 3,429 | 53.87 | 15.21 |
44 | Berkshire Bancorp (BERK) | New York, NY | 861,843 | 106.2 | 7.35 | 12.03 | 54.96 | 5.81 | 3.19 | 49,538 | 43,814 | 24.88 | 35.3 |
45 | Thomasville Bancshares (THVB) | Thomasville, GA | 460,982 | 63 | 22.5 | 11.88 | 13.23 | 1.13 | 3.54 | 5,084 | 5,557 | 50.29 | 12.66 |
46 | Honat Bancorp (HONT) | Honesdale, PA | 560,993 | 81.3 | 317 | 11.73 | 11.92 | 1.45 | 4.19 | 7,776 | 5,334 | 53.74 | 16.87 |
47 | Security National Corp. (SNLC) | Dakota Dunes, SD | 1,108,490 | 116.2 | 63 | 11.73 | 12.63 | 1.22 | 3.33 | 13,503 | 17,144 | 58.66 | 16.97 |
48 | Circle Bancorp | Novato, CA | 316,154 | NA | NA | 11.72 | 9.21 | 0.72 | 4.86 | 2,211 | 1,015 | 73.69 | 13.07 |
49 | Bank of Marin Bancorp (BMRC) | Novato, CA | 1,393,263 | 200.6 | 37.52 | 11.72 | 12.02 | 1.16 | 5.2 | 15,564 | 6,122 | 51.48 | 13.13 |
50 | Trinity Bank, N.A. (TYBT) | Fort Worth, TX | 166,941 | 28.5 | 27.01 | 11.66 | 12.72 | 1.46 | 3.38 | 2,282 | 426 | 47.12 | 18.49 |
51 | German American Bancorp (GABC) | Jasper, IN | 1,873,767 | 263.2 | 20.9 | 11.66 | 12.67 | 1.11 | 3.84 | 20,249 | 17,507 | 57.12 | 13.52 |
52 | Greene County Bancorp (MHC) (GCBC) | Catskill, NY | 559,583 | 74.8 | 18 | 11.6 | 11.69 | 1.02 | 3.85 | 5,619 | 4,724 | 59.22 | 17.55 |
53 | LCNB Corp. (LCNB) | Lebanon, OH | 791,570 | 83.8 | 12.5 | 11.56 | 10.89 | 1.02 | 3.7 | 8,115 | 6,816 | 63.35 | 14.54 |
54 | MNB Holdings Corp. (MNBO) | San Francisco, CA | 185,847 | 8.1 | 17.65 | 11.51 | 7.06 | 0.53 | 4.5 | 1,040 | 1,526 | 68.32 | 13.72 |
55 | American Bancorp (ABNC) | Opelousas, LA | 156,831 | 13.9 | 120 | 11.47 | 11.47 | 1.23 | 3.91 | 1,710 | 1,064 | 71.49 | 17.47 |
56 | Embassy Bancorp (EMYB) | Bethlehem, PA | 576,068 | 32.3 | 4.51 | 11.44 | 12.35 | 1.05 | 3.87 | 5,592 | 1,404 | 58.58 | 13.83 |
57 | QNB Corp. (QNBC) | Quakertown, PA | 868,804 | 79.3 | 25 | 11.42 | 13.99 | 1.06 | 3.46 | 8,880 | 4,246 | 56.52 | 12.71 |
58 | Mifflinburg Bank & Trust Co. (MIFF) | Mifflinburg, PA | 330,289 | NA | 44 | 11.41 | 10.76 | 1.11 | 3.53 | 3,514 | 2,039 | 56.31 | 15.7 |
59 | BCB Bancorp (BCBP) | Bayonne, NJ | 1,216,978 | 100.3 | 10.2 | 11.4 | 6.15 | 0.54 | 3.6 | 6,051 | 2,238 | 67.73 | 15.83 |
60 | Jonestown Bank and Trust Co. (JNES) | Jonestown, PA | 378,312 | 28.7 | 19 | 11.24 | 11.3 | 1.04 | 3.82 | 3,697 | 2,654 | 61.96 | 12.13 |
61 | Jeff Davis Bancshares (JDVB) | Jennings, LA | 549,989 | 70.6 | 45.25 | 11.18 | 10.45 | 1.24 | 4.66 | 6,542 | 7,359 | 64.45 | 20.41 |
62 | First Bankers Trustshares (FBTT) | Quincy, IL | 721,854 | 45.3 | 22.05 | 11.17 | 9.97 | 0.85 | 3.05 | 6,057 | 10,656 | 63.95 | 15.54 |
63 | First Keystone Corp. (FKYS) | Berwick, PA | 818,546 | 117.1 | 21.5 | 11.15 | 11.57 | 1.21 | 3.99 | 9,907 | 4,389 | 50.76 | 13.09 |
64 | Northeast Bancorp (NBN) | Lewiston, ME | 594,555 | 39.7 | 12 | 11.09 | 2.55 | 0.28 | 3.44 | 1,665 | 8,994 | 97.11 | 19.28 |
65 | Washington Federal Bank for Savings (WFBS) | Chicago, IL | 107,488 | 2.6 | 19 | 11.06 | 14.71 | 1.39 | 5.08 | 1,437 | 148 | 53.03 | 19.89 |
66 | Denver Bankshares (DNVB) | Denver, CO | 192,118 | 21.7 | 265 | 10.97 | 10.71 | 1.08 | 5.15 | 2,042 | 1,049 | 65.98 | 14.23 |
67 | Parke Bancorp (PKBK) | Sewell, NJ | 790,738 | 33.9 | 6.94 | 10.78 | 10.92 | 1.09 | 4.46 | 8,204 | 4,725 | 34.3 | 15.46 |
68 | First Citizens Bancshares (FIZN) | Dyersburg, TN | 1,053,549 | 119.1 | 33 | 10.76 | 12.22 | 1.18 | 4.24 | 11,862 | 11,831 | 58.31 | 17 |
69 | Rockport National Bancorp (RPOR) | Rockport, MA | 178,905 | 11.2 | 54.75 | 10.76 | 10.32 | 0.82 | 4.4 | 1,414 | 955 | 70.07 | 15.15 |
70 | CB Financial Services (CBFV) | Carmichaels, PA | 533,540 | 51.4 | 21.24 | 10.67 | 11.06 | 0.89 | 3.38 | 4,411 | 3,184 | 67.05 | 12.86 |
71 | Patriot Federal Bank (PFDB) | Canajoharie, NY | 97,359 | 8.6 | 9 | 10.58 | 9.32 | 0.85 | 3.88 | 784 | 279 | 66.59 | 16.91 |
72 | Bar Harbor Bankshares (BHB) | Bar Harbor, ME | 1,167,466 | 124.4 | 32.07 | 10.55 | 9.94 | 0.96 | 3.23 | 11,043 | 6,322 | 55.24 | 16.06 |
73 | Norwood Financial Corp. (NWFL) | Honesdale, PA | 668,814 | 85.2 | 25.94 | 10.51 | 9.26 | 1.18 | 4.08 | 7,356 | 3,762 | 52.05 | 17.04 |
74 | Cashmere Valley Financial Corp. (CVYF) | Cashmere, WA | 1,176,287 | 99.7 | 24.7 | 10.46 | 11.93 | 1.08 | 3.01 | 12,261 | 9,163 | 56.51 | 15.6 |
75 | Siuslaw Financial Group (SFGP) | Florence, OR | 317,690 | 30.8 | 7.5 | 10.44 | 6.86 | 0.68 | 4.31 | 2,229 | 4,123 | 74.5 | 17.55 |
76 | Bank of Utica (BKUT) | Utica, NY | 878,058 | 90 | 360 | 10.41 | 11.04 | 1.52 | 2.75 | 13,620 | 459 | 22.58 | 16.65 |
77 | Solvay Bank Corp. (SOBS) | Solvay, NY | 618,700 | 49.9 | 24.5 | 10.35 | 10.69 | 1 | 3.75 | 5,988 | 4,364 | 58.48 | 20.04 |
78 | Blue Ridge Bankshares (BRBS) | Luray, VA | 200,137 | 10.2 | 10.85 | 10.32 | 9.07 | 0.85 | 3.63 | 1,248 | 683 | 65.66 | 15.47 |
79 | ASB Financial Corp. (ASBN) | Portsmouth, OH | 226,657 | 19.1 | 11.95 | 10.32 | 8.65 | 0.78 | 3.77 | 1,787 | 1,127 | 62.58 | 14.97 |
80 | Washington Banking Co. (WBCO) | Oak Harbor, WA | 1,670,613 | 214.9 | 13.94 | 10.24 | 9.84 | 0.95 | 5.47 | 15,952 | 8,542 | 59.7 | 19.73 |
81 | Centrix Bank & Trust (CXBT) | Bedford, NH | 757,556 | 54.8 | 17.75 | 10.2 | 10.15 | 0.85 | 3.83 | 6,114 | 724 | 57.63 | 14.25 |
82 | Central Bancshares (CBSI) | Houston, TX | 447,500 | 18.4 | 3,925.00 | 10.18 | 12.85 | 0.92 | 4.77 | 3,906 | 1,622 | 70.95 | 14.2 |
83 | Iowa First Bancshares Corp. (IOFB) | Muscatine, IA | 414,574 | 31.4 | 28 | 10.16 | 10.59 | 0.83 | 3.4 | 3,530 | 3,585 | 62.31 | 13.68 |
84 | Adirondack Trust Co. (ADKT) | Saratoga Springs, NY | 909,063 | 104.4 | 1,366.00 | 10.03 | 9.58 | 1.02 | 3.13 | 9,397 | 16,281 | 77.25 | 18.02 |
85 | Northumberland Bancorp (NUBC) | Northumberland, PA | 451,047 | 37.4 | 28 | 10.03 | 11.53 | 0.96 | 2.87 | 4,212 | 2,664 | 61.99 | 20.02 |
86 | Dimeco (DIMC) | Honesdale, PA | 581,894 | 56.2 | 35.15 | 10.03 | 10.07 | 0.96 | 3.82 | 5,336 | 3,921 | 59.45 | 12.31 |
87 | Ballston Spa Bancorp (BSPA) | Ballston Spa, NY | 387,792 | 23.5 | 31.7 | 10.02 | 9.24 | 0.59 | 3.23 | 2,316 | 2,167 | 75.81 | 14.63 |
88 | Keweenaw Financial Corp. (KEFI) | Hancock, MI | 512,052 | 39.7 | 92 | 10.02 | 10.12 | 1.13 | 3.48 | 5,484 | 3,220 | 57.08 | 20.18 |
89 | GNB Financial Services (GNBF) | Gratz, PA | 175,213 | 25.3 | 50 | 10.01 | 10.31 | 1.3 | 3.99 | 2,052 | 604 | 54.31 | 23.15 |
90 | Ames National Corp. (ATLO) | Ames, IA, | 1,035,564 | 211.9 | 22.76 | 10.01 | 10.82 | 1.38 | 3.6 | 13,921 | 5,945 | 45.64 | 18 |
91 | Penn Bancshares (PEBA) | Pennsville, NJ | 198,416 | 14.2 | 36 | 9.95 | 7.96 | 0.78 | 3.2 | 1,550 | 1,480 | 68.47 | 18.1 |
92 | National Capital Bank of Washington (NACB) | Washington, DC | 368,522 | 62.8 | 218.25 | 9.94 | 10.75 | 1.18 | 3.84 | 4,132 | 1,429 | 49.88 | 19.91 |
93 | Community Bancorp. (CMTV) | Derby, VT | 552,906 | 46.1 | 9.75 | 9.92 | 8.9 | 0.66 | 3.76 | 3,584 | 5,196 | 75.84 | 12.5 |
94 | Virginia Heritage Bank (VGBK) | Vienna, VA | 577,496 | 45.5 | 10.5 | 9.9 | 9.94 | 1 | 3.79 | 5,138 | 6,421 | 64.71 | 13.57 |
95 | Juniata Valley Financial Corp. (JUVF) | Mifflintown, PA | 447,433 | 76.1 | 18 | 9.77 | 9.29 | 1.05 | 3.97 | 4,680 | 3,940 | 63.69 | 18.83 |
96 | Kish Bancorp (KISB) | Reedsville, PA | 560,092 | 34.6 | 58 | 9.71 | 9.41 | 0.65 | 3.54 | 3,631 | 7,150 | 79.72 | 13.85 |
97 | Heartland BancCorp (HLAN) | Gahanna, OH | 571,524 | 40.8 | 26.5 | 9.71 | 10.53 | 0.91 | 3.96 | 5,069 | 2,980 | 60.77 | 14.38 |
98 | C&F Financial Corp. (CFFI) | West Point, VA | 928,124 | 95.1 | 29.75 | 9.65 | 13.66 | 1.43 | 7.66 | 12,976 | 26,976 | 59.78 | 16.4 |
99 | PSB Holdings (PSBQ) | Wausau, WI | 622,867 | 39.6 | 25 | 9.59 | 10.78 | 0.87 | 3.55 | 5,305 | 5,305 | 56.95 | 14.99 |
100 | Stonegate Bank (SGBK) | Fort Lauderdale, FL | 854,904 | 129.8 | 15.75 | 9.58 | 10.54 | 1.47 | 4.19 | 11,544 | 2,690 | 70.07 | 18.67 |
101 | Home Loan Financial Corp. (HLFN) | Coshocton, OH | 161,335 | 18.7 | 13.25 | 9.55 | 10.64 | 1.26 | 4.6 | 2,045 | 1,017 | 55.92 | 17.13 |
102 | Harleysville Savings Financial Corp. (HARL) | Harleysville, PA | 832,630 | 61.2 | 16.5 | 9.54 | 9.86 | 0.65 | 2.32 | 5,543 | 1,999 | 62.4 | 13.33 |
103 | Independent Alliance Banks (IALB) | Fort Wayne, IN | 964,398 | 74 | 53.75 | 9.5 | 8.04 | 0.81 | 3.37 | 7,798 | 8,755 | 61.06 | 14.36 |
104 | F.S. Bancorp (FXLG) | Lagrange, IN | 481,287 | 50.3 | 45 | 9.48 | 10.05 | 0.95 | 4.02 | 4,444 | 4,292 | 64.18 | 14.37 |
105 | Bryn Mawr Bank Corp. (BMTC) | Bryn Mawr, PA | 1,774,907 | 292.4 | 22.08 | 9.46 | 11.08 | 1.14 | 3.96 | 19,713 | 32,464 | 61.99 | 13.83 |
106 | Consumers Bancorp (CBKM) | Minerva, OH | 311,312 | 26.8 | 13.05 | 9.44 | 9.98 | 0.84 | 4.15 | 2,519 | 2,409 | 68.64 | 14.3 |
107 | CCFNB Bancorp (CCFN) | Bloomsburg, PA | 624,677 | 79.8 | 36.25 | 9.43 | 9.68 | 1.09 | 3.52 | 6,776 | 6,443 | 57.12 | 18.14 |
108 | Grand Bank Corp. (GABK) | Marblehead, MA | 278,294 | 51.1 | 4,200.00 | 9.41 | 8.16 | 1.19 | 3.85 | 3,027 | 1,753 | 57.2 | 19.32 |
109 | Teche Holding Co. (TSH) | New Iberia, LA | 813,545 | 77.7 | 37.57 | 9.4 | 9 | 0.92 | 4.25 | 7,176 | 15,521 | 69.62 | 15.31 |
110 | Bank of South Carolina Corp. (BKSC) | Charleston, SC | 334,029 | 48.7 | 10.95 | 9.38 | 10.48 | 1.03 | 3.83 | 3,189 | 1,653 | 62.32 | 13.48 |
111 | Horizon Bancorp (HBNC) | Michigan City, IN | 1,547,162 | 87.4 | 17.59 | 9.29 | 10.78 | 0.9 | 3.61 | 12,797 | 18,275 | 68.83 | 14.2 |
112 | Luzerne National Bank Corp. (LUZR) | Luzerne, PA | 300,733 | 21.8 | 32.15 | 9.28 | 8.29 | 0.77 | 4.21 | 2,162 | 1,851 | 68.65 | 12.49 |
113 | Alliance Financial Corp. (ALNC) | Syracuse, NY | 1,409,090 | 152.4 | 31.85 | 9.25 | 9.88 | 0.92 | 3.43 | 13,297 | 18,677 | 66.74 | 15.97 |
114 | Citizens Holding Co. (CIZN) | Philadelphia, MS | 853,945 | 94.4 | 19.45 | 9.16 | 8.78 | 0.87 | 4.19 | 7,218 | 6,727 | 67.36 | 17.53 |
115 | United Tennessee Bankshares (UNTN) | Newport, TN | 188,741 | 8.8 | 10.5 | 9.1 | 9.44 | 0.8 | 3.7 | 1,453 | 647 | 53.39 | 18.61 |
116 | First Guaranty Bancshares (FGBI) | Hammond, LA | 1,353,866 | 108.7 | 19 | 9.07 | 7.3 | 0.65 | 3.39 | 8,000 | 6,665 | 59.52 | 14.73 |
117 | Monarch Financial Holdings (MNRK) | Chesapeake, VA | 908,477 | 51.8 | 8.75 | 9.07 | 10.28 | 0.94 | 4.45 | 7,585 | 54,324 | 80.17 | 12.43 |
118 | Bank of Southside Virginia Corp. (BSSC) | Carson, VA | 553,200 | 91 | 165 | 9.01 | 8.67 | 1.68 | 5.02 | 9,468 | 5,175 | 45.27 | 31.34 |
119 | Wellesley Bancorp (WEBK) | Wellesley, MA | 303,148 | 29.9 | 12.41 | 8.99 | 9.3 | 0.74 | 3.94 | 2,005 | 497 | 62.4 | 11.91 |
120 | County Commerce Bank (CNYB) | Ventura, CA | 185,462 | 16.3 | 13.5 | 8.92 | 10.05 | 0.87 | 3.86 | 1,533 | 315 | 57.34 | 14.94 |
121 | Enterprise Bancorp (EBTC) | Lowell, MA | 1,489,163 | 154.5 | 16.25 | 8.9 | 8.98 | 0.75 | 4.37 | 10,944 | 11,276 | 69.04 | 11.42 |
122 | Pioneer Bankshares (PNBI) | Stanley, VA | 164,519 | 15.7 | 15.14 | 8.86 | 9.56 | 0.96 | 5 | 1,602 | 974 | 60.38 | 15.15 |
123 | Farmers National Banc Corp. (FMNB) | Canfield, OH | 1,067,871 | 113.4 | 6.04 | 8.85 | 8.76 | 0.89 | 4.01 | 9,218 | 10,700 | 67.28 | 17.43 |
124 | First Manitowoc Bancorp (FMWC) | Manitowoc, WI | 911,518 | 92.6 | 14.05 | 8.83 | 9.57 | 1 | 4.01 | 8,547 | 6,635 | 58.47 | 12.27 |
125 | CBT Financial Corp. (CBTC) | Clearfield, PA | 405,461 | 25.9 | 26 | 8.77 | 8.47 | 0.75 | 3.98 | 2,888 | 4,102 | 70.33 | 17.23 |
126 | Mission Bancorp (MSBC) | Bakersfield, CA | 246,418 | 30.4 | 24 | 8.77 | 8.04 | 0.88 | 4.51 | 2,113 | 1,663 | 62.09 | 18.14 |
127 | FNBPA Bancorp (FNBP) | Port Allegany, PA | 97,869 | 8.7 | 33 | 8.77 | 9.39 | 0.92 | 3.92 | 918 | 350 | 69.82 | 19.62 |
128 | ACNB Corp. (ACNB) | Gettysburg, PA | 1,004,823 | 86.2 | 14.5 | 8.77 | 8.8 | 0.85 | 3.74 | 8,502 | 11,736 | 62.14 | 14.02 |
129 | First National Bank of Groton (FIGR) | Groton, NY | 129,256 | 19.8 | 330 | 8.73 | 7.99 | 1.1 | 4.7 | 1,436 | 992 | 59.09 | 27.64 |
130 | Penseco Financial Services Corp. (PFNS) | Scranton, PA | 924,674 | 123.7 | 37.75 | 8.71 | 8.48 | 1.15 | 4.13 | 10,705 | 12,580 | 59.77 | 17.03 |
131 | Ohio Valley Banc Corp. (OVBC) | Gallipolis, OH | 804,177 | 73.4 | 18.21 | 8.71 | 8.35 | 0.68 | 4.23 | 5,835 | 8,446 | 64.64 | 15.6 |
132 | IFB Holdings (IFBH) | Chillicothe, MO | 66,816 | 3.4 | 18.5 | 8.68 | 7.7 | 0.89 | 3.39 | 595 | 403 | 65.58 | 27.87 |
133 | Glenville Bank Holding Co. (GLNV) | Scotia, NY | 373,853 | 14.3 | 77.5 | 8.68 | 8.51 | 0.58 | 3.9 | 2,143 | 2,734 | 78.19 | 10.27 |
134 | Comunibanc Corp. (CBCZ) | Napoleon, OH | 241,272 | 16.2 | 19.6 | 8.68 | 8.73 | 0.92 | 3.79 | 2,183 | 956 | 70.13 | 17.29 |
135 | BEO Bancorp (BEOB) | Heppner, OR | 260,437 | 12 | 13 | 8.6 | 12.12 | 0.79 | 5.18 | 2,012 | 2,066 | 67.69 | 12.85 |
136 | Dacotah Banks (DBIN) | Aberdeen, SD | 1,905,762 | 153.6 | 138 | 8.59 | 9.37 | 0.91 | 4.08 | 16,546 | 15,031 | 61.72 | 13.09 |
137 | Mauch Chunk Trust Financial Corp. (MCHT) | Jim Thorpe, PA | 313,254 | 37.9 | 12.35 | 8.57 | 8.79 | 0.88 | 3.84 | 2,698 | 2,528 | 66.75 | 16.13 |
138 | Franklin Financial Services Corp. (FRAF) | Chambersburg, PA | 990,248 | 61.1 | 15.1 | 8.57 | 7.68 | 0.66 | 3.73 | 6,569 | 10,283 | 62.51 | 12.14 |
139 | Katahdin Bankshares Corp. (KTHN) | Patten, ME | 527,724 | 40.8 | 12 | 8.54 | 8.22 | 0.88 | 4.22 | 4,561 | 3,369 | 69.42 | 15.03 |
140 | Chemung Financial Corp. (CHMG) | Elmira, NY | 1,216,227 | 114.2 | 25 | 8.53 | 8.82 | 0.9 | 4.07 | 10,538 | 17,465 | 69.36 | 13.27 |
141 | Elmira Savings Bank (ESBK) | Elmira, NY | 523,358 | 37.6 | 17.34 | 8.52 | 8.4 | 1 | 3.71 | 5,029 | 4,279 | 60.77 | 18.65 |
142 | Bay Commercial Bank (BCML) | Walnut Creek, CA | 269,611 | 36.7 | 7.6 | 8.5 | 20.59 | 3.98 | 4.8 | 7,314 | 587 | 66.72 | 21.98 |
143 | Commercial Bancshares (CMOH) | Upper Sandusky, OH | 287,779 | 21.5 | 18.5 | 8.49 | 10.73 | 0.94 | 4.89 | 2,779 | 2,211 | 66.93 | 12 |
144 | Redwood Financial (REDW) | Redwood Falls, MN | 199,351 | 5.1 | 11.6 | 8.48 | 8.3 | 0.88 | 4.63 | 1,845 | 2,229 | 60.37 | 15.92 |
145 | Orange County Bancorp (OCBI) | Middletown, NY | 632,906 | 76.1 | 38.75 | 8.48 | 8.48 | 1.26 | 4.18 | 7,601 | 3,529 | 53.75 | 26.21 |
146 | Alerus Financial Corp. (ALRS) | Grand Forks, ND | 1,157,007 | 126.7 | 28.25 | 8.47 | 10.17 | 0.95 | 4.22 | 10,774 | 60,473 | 76.9 | 14.93 |
147 | Farmers and Merchants Bank (FMFG) | Upperco, MD | 253,901 | 18.4 | 23.55 | 8.46 | 9.41 | 0.9 | 4.7 | 2,267 | 1,559 | 61.06 | 13.56 |
148 | Central Bank Corp. (CBSU) | Sault Sainte Marie, MI | 243,520 | 13.6 | 12.25 | 8.46 | 7.85 | 0.79 | 3.4 | 1,913 | 1,948 | 67.81 | 17.33 |
149 | Northrim BanCorp (NRIM) | Anchorage, AK | 1,085,258 | 136.9 | 21.17 | 8.45 | 9.69 | 1.12 | 4.53 | 11,827 | 12,671 | 67.58 | 16.46 |
150 | Fauquier Bankshares (FBSS) | Warrenton, VA | 614,224 | 44.4 | 12.2 | 8.45 | 8.93 | 0.69 | 4 | 4,117 | 6,361 | 68.52 | 13.31 |
151 | Clarion County Community Bank (CCYY) | Clarion, PA | 120,318 | 8.3 | 5 | 8.44 | 9.73 | 0.9 | 3.96 | 1,083 | 325 | 61.59 | 15.99 |
152 | Enterprise Financial Services Group, Inc (EFSG) | Allison Park, PA | 248,160 | 5.8 | 6.6 | 8.44 | 10.14 | 0.74 | 4.24 | 1,692 | 1,681 | 70.74 | 12.72 |
153 | Fresno First Bank (FSNF) | Fresno, CA | 177,726 | 16.9 | 9.55 | 8.43 | 11.05 | 1.22 | 4.41 | 1,916 | 788 | 72.21 | 19.54 |
154 | Great American Bancorp (GTPS) | Champaign, IL | 160,295 | 17.9 | 37 | 8.42 | 7.09 | 0.69 | 3.81 | 1,106 | 3,133 | 79.41 | 18.82 |
155 | Turbotville National Bancorp (TVNB) | Turbotville, PA | 118,450 | 15.8 | 65 | 8.42 | 9.42 | 1.29 | 3.33 | 1,524 | 396 | 52.77 | 26.25 |
156 | F&M Bank Corp. (FMBM) | Timberville, VA | 566,164 | 36.2 | 14.5 | 8.4 | 10.46 | 0.86 | 3.87 | 4,750 | 3,092 | 55.72 | 14.09 |
157 | FNB Bancorp (FBIP) | Newtown, PA | 787,574 | 79.4 | 98 | 8.4 | 7.39 | 0.8 | 3.66 | 6,072 | 6,497 | 64.77 | 21.92 |
158 | Hocking Valley Bancshares (HCKG) | Athens, OH | 238,126 | 28.7 | 580 | 8.39 | 7.75 | 0.77 | 3.79 | 1,840 | 1,422 | 69.71 | 17.1 |
159 | Gotham Bank of New York (GOBN) | New York, NY | 433,248 | 37.2 | 125.9 | 8.38 | 13.25 | 0.96 | 2.7 | 3,957 | 451 | 69.87 | 17.67 |
160 | First Bancorp (FNLC) | Damariscotta, ME | 1,372,867 | 146.1 | 14.87 | 8.33 | 8.12 | 0.87 | 3.27 | 12,364 | 8,457 | 46.93 | 15.66 |
161 | Fairmount Bancorp (FMTB) | Baltimore, MD | 79,863 | 8 | 16.04 | 8.32 | 12.95 | 2.01 | 3.9 | 1,479 | 92 | 61.66 | 25.29 |
162 | Northeast Indiana Bancorp (NIDB) | Huntington, IN | 261,524 | 17.4 | 14.02 | 8.31 | 8.17 | 0.79 | 3.73 | 2,036 | 2,346 | 59.21 | 15.36 |
163 | ESB Financial Corp. (ESBF) | Ellwood City, PA | 1,964,791 | 195.1 | 13.33 | 8.29 | 8.91 | 0.81 | 2.67 | 15,821 | 3,816 | 53.64 | 15.1 |
164 | PSB Holding Corp. (PSBP) | Preston, MD | 256,310 | 11.3 | 25 | 8.27 | 8.76 | 0.73 | 3.93 | 1,886 | 1,338 | 71.32 | 11.82 |
165 | Kinderhook Bank Corp. (NUBK) | Kinderhook, NY | 265,157 | 18.7 | 25.55 | 8.25 | 8.46 | 0.81 | 4.03 | 2,094 | 2,860 | 74.17 | 16.98 |
166 | NB&T Financial Group (NBTF) | Wilmington, OH | 675,588 | 68.2 | 19.93 | 8.25 | 5.33 | 0.56 | 3.77 | 3,801 | 7,796 | 79.3 | 19.15 |
167 | Kentucky Bancshares (KTYB) | Paris, KY | 659,453 | 59.8 | 22 | 8.21 | 8.69 | 0.88 | 4.09 | 5,687 | 9,293 | 72.5 | 14.01 |
168 | Bank of Kentucky Financial Corp. (BKYF) | Crestview Hills, KY | 1,744,724 | 195.8 | 26.28 | 8.17 | 10.1 | 1 | 3.73 | 16,489 | 20,754 | 53.54 | 12.95 |
169 | Farmers Bank of Appomattox (FBPA) | Appomattox, VA | 186,239 | 17.8 | 16.4 | 8.15 | 8.22 | 0.98 | 4.33 | 1,826 | 862 | 62.98 | 19.61 |
170 | Community Bankers’ Corp. (CTYP) | Indiana, PA | 251,915 | 19 | 9 | 8.14 | 9.25 | 0.53 | 3.1 | 1,321 | 605 | 87.93 | 13.52 |
171 | Union Bank & Trust Co. | Oxford, NC | 188,997 | NA | NA | 8.07 | 8.47 | 0.96 | 4.69 | 1,842 | 449 | 63.55 | 16.57 |
172 | Landmark Bancorp (LDKB) | Pittston, PA | 234,730 | 20.7 | 12 | 8.07 | 8.87 | 0.82 | 3.99 | 1,755 | 785 | 66.34 | 12.21 |
173 | United Bancorp (UBCP) | Martins Ferry, OH | 415,567 | 49 | 9.14 | 8.07 | 8.53 | 0.73 | 4.18 | 3,091 | 3,057 | 69.34 | 14 |
174 | New Hampshire Thrift Bancshares (NHTB) | Newport, NH | 1,041,819 | 71.2 | 12.2 | 8.06 | 7.71 | 0.74 | 3.11 | 7,669 | 7,297 | 75.78 | 15.01 |
175 | Diamond Bancshares (DMNB) | Antwerp, OH | 81,677 | 4.6 | 32 | 8.05 | 10.62 | 1.01 | 3.63 | 818 | 310 | 65.05 | 16.9 |
176 | ENB Financial Corp (ENBP) | Ephrata, PA | 764,182 | 67 | 23.45 | 8.03 | 9.18 | 0.95 | 3.56 | 7,148 | 5,845 | 69.92 | 17.87 |
177 | Elmer Bancorp (ELMA) | Elmer, NJ | 214,201 | 16.1 | 14 | 8 | 7.65 | 0.74 | 4.34 | 1,583 | 1,182 | 72.9 | 14.5 |
178 | National Bank of Coxsackie (NCXS) | Coxsackie, NY | 206,436 | 36.1 | 92.86 | 7.99 | 6.19 | 0.72 | 3.74 | 1,418 | 784 | 73.46 | 19.21 |
179 | First Mid-Illinois Bancshares (FMBH) | Mattoon, IL | 1,500,956 | 138.4 | 23 | 7.95 | 8.52 | 0.76 | 3.49 | 11,372 | 16,187 | 62.16 | 14.48 |
180 | First West Virginia Bancorp (FWV) | Wheeling, WV | 293,024 | 26.7 | 16.18 | 7.94 | 7.69 | 0.86 | 3.78 | 2,488 | 1,302 | 66.88 | 21.43 |
181 | Merchants & Marine Bancorp (MMPM) | Pascagoula, MS | 555,432 | 46.2 | 34.75 | 7.86 | 7.49 | 0.76 | 3.68 | 4,131 | 6,671 | 65.78 | 17.9 |
182 | Meta Financial Group (CASH) | Storm Lake, IA | 1,359,205 | 65.6 | 20.55 | 7.85 | 9.16 | 0.59 | 3.13 | 7,010 | 50,750 | 91.39 | 18.58 |
183 | Citizens Bancorp (CZBC) | Corvallis, OR | 448,957 | 51.6 | 11 | 7.82 | 8.69 | 1.1 | 4.94 | 4,765 | 2,848 | 62.79 | 17.57 |
184 | TPB Bancorp (TPBB) | Brownstown, IN | 155,806 | NA | NA | 7.8 | 7.92 | 0.84 | 3.84 | 1,224 | 634 | 67.51 | 20.52 |
185 | Bank of Commerce Holdings (BOCH) | Redding, CA | 940,691 | 70 | 4.21 | 7.8 | 7.22 | 0.85 | 3.97 | 7,804 | 16,220 | 60.5 | 15.7 |
186 | Greater Hudson Bank, National Association (GHDS) | Middletown, NY | 299,185 | 47 | 4.7 | 7.71 | 7.46 | 0.89 | 3.64 | 2,582 | 216 | 59.78 | 17.45 |
187 | Farmers & Merchants Bancorp (FMAO) | Archbold, OH | 922,993 | 91.3 | 19.5 | 7.71 | 8.56 | 0.93 | 3.33 | 8,514 | 7,505 | 60.85 | 16.54 |
188 | Peapack-Gladstone Financial Corp. (PGC) | Bedminster, NJ | 1,600,335 | 112.5 | 12.68 | 7.71 | 10.41 | 0.79 | 3.46 | 12,168 | 15,479 | 66.92 | 13.76 |
189 | American National Bankshares (AMNB) | Danville, VA | 1,304,706 | 168.4 | 21.5 | 7.68 | 8.88 | 1.07 | 4.35 | 11,571 | 9,245 | 51.91 | 15.55 |
190 | Glen Burnie Bancorp (GLBZ) | Glen Burnie, MD | 365,260 | 27.2 | 10 | 7.67 | 10.4 | 0.84 | 4.21 | 2,993 | 1,681 | 67.82 | 14.35 |
191 | First Robinson Financial Corp. (FRFC) | Robinson, IL | 221,342 | 14.1 | 33 | 7.66 | 10.77 | 0.77 | 3.32 | 1,600 | 2,738 | 61.06 | 15.56 |
192 | First Pulaski National Corp. | Pulaski, TN | 635,099 | NA | NA | 7.65 | 11.04 | 1.01 | 4.26 | 6,249 | 4,990 | 61.3 | 15.06 |
193 | Delaware Bancshares (DBAI) | Walton, NY | 259,701 | 17.7 | 19.15 | 7.62 | 7.57 | 0.62 | 3.54 | 1,641 | 1,440 | 76.25 | 20.12 |
194 | Highlands Community Bank | Covington, VA | 114,330 | NA | NA | 7.62 | 8.48 | 0.86 | 3.77 | 936 | 417 | 56.74 | 17.1 |
195 | First Menasha Bancshares (FMBJ) | Neenah, WI | 317,985 | 16 | 49.5 | 7.62 | 10.1 | 0.85 | 3.92 | 2,648 | 1,530 | 61.7 | 16.42 |
196 | Suffolk Bancorp (SUBK) | Riverhead, NY | 1,484,227 | 127.6 | 13.12 | 7.55 | -0.06 | 0 | 4.59 | -78 | 9,469 | 74.26 | 14.26 |
197 | CSB Bancorp (CSBB) | Millersburg, OH | 551,233 | 48.9 | 17.89 | 7.5 | 7.57 | 0.78 | 3.71 | 3,687 | 3,271 | 65.22 | 13.94 |
198 | Merchants Financial Group (MFGI) | Winona, MN | 1,249,170 | 76.5 | 28 | 7.5 | 8.67 | 0.73 | 4.45 | 8,778 | 13,534 | 79.02 | 14.55 |
199 | NorthWest Indiana Bancorp (NWIN) | Munster, IN | 651,758 | 53 | 18.75 | 7.49 | 8.9 | 0.84 | 3.96 | 5,385 | 3,654 | 70 | 14.3 |
200 | Delhi Bank Corp. (DWNX) | Delhi, NY | 239,756 | 36.8 | 25.65 | 7.49 | 7.81 | 0.75 | 3.17 | 1,664 | 1,570 | 77.23 | 24.47 |
Note: List includes banks and thrifts with less than $2 billion in total assets as of Dec. 31, 2011 that are either exchange-traded or file with the SEC. Shown are the most profitable 200 institutions of all 1,012 fitting the criteria. Ranking based on average return on equity for the three years ending Dec. 31, 2009, 2010 and 2011. Financial data drawn from GAAP filings; if unavailable, regulatory filing information was used. The data is for full-year 2011, except where indicated. Market value is calculated using the most recently publicly available information regarding share count and the closing price on March 20.
Source: SNL Financial
© 2012 American Banker Magazine