Top Community Banks Ranked by Return on Average Assets

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Top Community Banks Ranked by Return on Average Assets
Top Community Banks* Ranked by Return on Average Assets

In 2001 dollars in thousands
Published March 27, 2002

 

Return on Average Assets 

Yearend assets 

Return on average equity 

Efficiency ratio  

1 Franklin Trust and Loan Association Orange, Calif. 26.37% $2,389 63.52% 33.69%
2 Pitney Bowes Bank Salt Lake City 12.69 403,261 79.75 1.99
3 Horizon National Bank Leawood, Kan. 6.02 107,385 53.63 73.93
4 Wright Express Financial Services Corp. Salt Lake City 4.87 195,231 35.32 70.4
5 Brighton Bank Salt Lake City 4.32 140,192 36.44 44.23
6 State Bank of Wiley Colo. 4.31 63,535 16.86 22.43
7 State Bank of Downs Kan. 4.23 60,168 31.66 28.09
8 BMW Bank of North America Salt Lake City 4.16 856,184 37.85 21.34
9 Security Bank of Southwest Missouri Cassville 3.93 51,174 36.76 36.96
10 First Farmers and Merchants State Bank Grand Meadow, Minn. 3.72 25,024 27.95 72.4
11 Rancho Santa Fe Trust and Loan Association San Marcos, Calif. 3.6 107,215 20.1 38.45
12 Broadway Bank Chicago 3.59 334,957 31.82 33.38
¯ First Coleman National Bank Coleman, Tex. 3.59 54,512 34.72 40.77
14 Commerce Bank Aurora, Colo. 3.47 84,970 35.3 49.02
15 Crescent Bank and Trust Co. New Orleans 3.42 259,821 29.61 50.72
16 Spencer State Bank Spencer, Okla. 3.4 29,978 29.17 60.79
17 City Bank Lynnwood, Wash. 3.34 590,895 16.07 46.41
18 University National Bank Lawrence, Kan. 3.33 77,883 33.21 47.58
19 First Bank and Trust Co. Broken Bow, Okla. 3.32 74,908 35.8 45.07
20 State Bank of McGregor Minn. 3.3 37,773 33.68 39.93
21 Pioneer Bank Mapleton, Minn. 3.29 140,738 36.23 48.83
22 Gary State Bank Gary, Minn. 3.28 9,942 22.62 54.57
¯ Peoples National Bank Paris, Tex. 3.28 109,630 40.84 82.91
24 Pueblo Bank and Trust Co. Pueblo, Colo. 3.27 342,420 37.27 54.14
¯ First State Bank Scottsbluff, Neb. 3.27 173,718 40.93 36.15
26 Vermillion State Bank Vermillion, Minn. 3.24 228,288 31.26 33.8
27 Marked Tree Bank Marked Tree, Ark. 3.15 30,075 28.52 70.34
28 Jackson State Bank Jackson, Wyo. 3.11 474,184 44.96 38.43
29 Peoples State Bank Cherryvale, Kan. 3.07 15,073 22.88 45.33
¯ American National Bank of Rock Springs Wyo. 3.07 47,812 23.43 44.85
31 Spring Valley Bank Wyoming, Ohio 3.06 38,831 17.05 31.6
¯ Lakeside Bank Chicago 3.06 362,810 28.7 47.95
¯ First National Bank Fort Pierre, S.D. 3.06 215,572 28.1 51.61
34 First Bank Upper Michigan Gladstone 2.99 117,569 31.07 48.29
35 Bank of Commerce Chouteau, Okla. 2.98 33,685 33.69 48.63
36 Central Bank of Kansas City Mo. 2.95 75,387 39.09 60.03
¯ Capital Bank St. Paul 2.95 46,228 31 47.89
38 Farmers and Merchants Bank Dublin, Ga. 2.94 360,374 17.74 35.46
39 The Bank Oberlin, Kan. 2.93 104,684 30.98 38.8
¯ Peak National Bank Nederland, Colo. 2.93 182,186 39 54.42
41 Farmers and Merchants State Bank Pierz, Minn. 2.91 128,515 32.36 34.17
¯ Bank Northwest Hamilton, Mo. 2.91 53,823 39.39 45.54
¯ Peoples Bank Westville, Okla. 2.91 38,189 18.76 50.51
¯ Mason National Bank Mason, Tex. 2.91 55,928 22.75 47.3
¯ First National Bank of Olney Tex. 2.91 40,554 28.94 44.42
46 Republic Bank West Bountiful, Utah 2.89 119,248 25.24 18.36
47 Montrosebank Montrose, Colo. 2.88 75,354 36.04 50.34
48 Central State Bank State Center, Iowa 2.87 45,423 14.11 31.89
¯ Phoenix Savings Bank Lynnwood, Wash. 2.87 79,034 23.87 78.51
¯ Inwood National Bank of Dallas 2.87 581,421 28.17 52.08
51 Security State Bank Aitkin, Minn. 2.86 81,237 26.15 47.58
52 Bank of Monticello Ga. 2.85 64,610 36.12 35.77
¯ Prior Lake State Bank Minn. 2.85 123,128 26.46 48.65
¯ First Valley Bank Seeley Lake, Mont. 2.85 21,797 27.82 47.29
55 First National Bank of La Grange Ill. 2.84 168,275 28.16 50.58
56 Firstbank Antlers, Okla. 2.83 92,170 30.29 57.5
¯ First National Bank of Burleson Tex. 2.83 96,185 33.98 52.31
58 First Arkansas Bank and Trust Jacksonville 2.82 236,281 19.78 53.79
59 Peoples State Bank De Smet, S.D. 2.81 52,423 16.73 35.83
60 Cottonwood Valley Bank Cedar Point, Kan. 2.8 19,589 21.79 55.4
¯ First Community Bank Savage, Minn. 2.8 64,416 34.15 38.96
¯ Utah Community Bank Sandy 2.8 19,075 11.35 64.32
63 Peoples National Bank Colorado Springs 2.78 236,150 34.31 69.82
¯ Central Bank Provo, Utah 2.78 342,303 16.89 49.97
65 Randall State Bank Randall, Minn. 2.76 25,309 27.68 35.73
66 First National Bank of Trinity Tex. 2.75 35,473 26.18 67.12
67 Finance and Thrift Co. Porterville, Calif. 2.74 101,369 15.47 59.86
68 Charter Bank Corpus Christi, Tex. 2.73 79,979 37.69 58.49
69 Douglas County Bank Douglasville, Ga. 2.72 176,558 32.55 46.85
70 Golden Security Bank Alhambra, Calif. 2.71 105,887 30.8 40.43
¯ State Bank of Delano Minn. 2.71 66,341 18.12 50.43
72 Interstate Bank Oak Forest, Ill. 2.7 133,102 37.3 55.3
¯ First Bank and Trust Co. Wagoner, Okla. 2.7 118,522 27.59 38.9
74 State Bank in Eden Valley Minn. 2.69 28,222 22.47 47.05
¯ Bank of Alma Wis. 2.69 123,397 13.66 14.35
76 Merchants and Farmers Bank Comer, Ga. 2.68 91,244 15.83 55.99
¯ National Republic Bank Chicago 2.68% $301,087 33.34% 39.30%
¯ State Bank of Countryside Ill. 2.68 625,924 29.58 32.46
79 First Credit Bank Los Angeles 2.67 247,206 16.17 26.94
80 State Bank of Marietta Minn. 2.66 7,132 23.48 54.49
81 Citizens State Bank of Cheney Kan. 2.65 35,762 22.81 50.03
¯ First National Bank of Fabens Tex. 2.65 163,565 33.78 48.49
83 First National Bank of Picayune Miss. 2.63 128,739 30.44 53.38
¯ Citizens National Bank at Brownwood Tex. 2.63 123,960 20.72 49.88
85 First State Bank Valliant, Okla. 2.62 31,630 17.8 55.34
¯ Yellowstone Bank Laurel, Mont. 2.62 246,268 15.76 44.06
87 Bank of St. Edward Neb. 2.6 32,651 11.69 33.98
88 Wilson & Muir Bank and Trust Co. Bardstown, Ky. 2.59 254,879 23.55 56.55
¯ Wood County National Bank Wisconsin Rapids, Wis. 2.59 231,105 16.87 45.09
90 Bank of Dade Trenton, Ga. 2.57 73,031 32.45 52.95
¯ Bank NA McAlester, Okla. 2.57 267,760 25.51 54.7
92 First National Bank Albany/Breckenridge Albany, Tex. 2.56 194,983 20.82 43.3
93 Cumberland Security Bank Somerset, Ky. 2.55 122,019 22.6 52.47
¯ Grant County State Bank Carson, N.D. 2.55 23,000 22.28 47.57
¯ First Commerce Bank Corpus Christi, Tex. 2.55 115,945 19.71 64.61
¯ American National Bank Omaha 2.55 745,308 31.31 46.13
¯ Bank of La Belle Mo. 2.55 21,955 29.91 44.81
98 Lakeside Bank of Salina Okla. 2.54 26,098 25.67 41.24
99 State Bank of Wheaton Minn. 2.53 67,808 12.53 41.23
¯ Johnson City Bank Tex. 2.53 41,744 20 51.73
101 First National Bank of Sarcoxie Mo. 2.52 24,769 25.26 47.32
¯ Bank of Baker Mont. 2.52 43,407 26.6 44.98
¯ State Bank of Lincoln Ill. 2.52 169,543 19.24 46.67
104 State Bank of Chilton Wis. 2.51 109,488 13.31 51.82
105 Bank of Buffalo Ky. 2.5 43,047 22.53 34.62
¯ Bank of the Wichitas Snyder, Okla. 2.5 46,998 21.75 57.68
107 State Bank of Southwest Missouri Springfield 2.48 77,111 38.52 47.78
108 City Savings Bank and Trust Co. De Ridder, La. 2.47 95,310 22.79 58.57
¯ First Security Bank West Beulah, N.D. 2.47 62,997 22.52 41.08
¯ Community National Bank Okarche, Okla. 2.47 39,914 22.17 51.17
111 Home Bank of California San Diego 2.46 120,219 29.44 37.12
¯ First State Bank of St. Joseph Minn. 2.46 52,331 25.85 46.85
¯ First National Bank and Trust Co. Okmulgee, Okla. 2.46 109,122 20.19 53.49
114 County Bank Rehoboth Beach, Del. 2.45 191,132 28.93 45.79
¯ Farmers State Bank Darwin, Minn. 2.45 19,690 22.35 56.06
¯ State Bank of Kimball Minn. 2.45 44,932 31.94 51.67
117 Solon State Bank Solon, Iowa 2.44 66,382 16.75 44.23
118 Great Plains Bank Eureka, S.D. 2.43 39,375 21.75 51.74
¯ First National Bank of Hudson Woodbury, Minn. 2.43 301,826 29.9 56.82
120 Municipal Trust and Savings Bank Bourbonnais, Ill. 2.42 244,640 19.74 34.4
¯ Blaine State Bank Blaine, Minn. 2.42 23,294 32.85 62.63
¯ National Bank of Adams County West Union, Ohio 2.42 54,177 14.2 43.79
¯ Citizens National Bank Wills Point, Tex. 2.42 60,538 28.13 53.46
124 First State Bank of Arcadia Fla. 2.41 113,826 15.27 52.61
¯ Lamar Bank and Trust Co. Lamar, Mo. 2.41 100,493 24.9 47.57
¯ Security Bank and Trust Co. of Glencoe Minn. 2.41 148,986 21.62 43.57
¯ First Security Bank Sleepy Eye, Minn. 2.41 120,638 32.03 50.11
128 Murphy Bank Fresno, Calif. 2.4 76,986 22.68 44.91
¯ Farmers Bank and Trust Co. Great Bend, Kan. 2.4 300,761 21.62 39.21
130 Union National Bank and Trust Co. Elgin, Ill. 2.39 132,354 24.65 46.18
¯ Golf Savings Bank Mountlake Terrace, Wash. 2.39 106,984 26.21 83.45
132 First State Bank Idaho Springs, Colo. 2.38 35,444 28.13 53.38
¯ Home Federal Savings Bank Columbus, Ind. 2.38 862,403 20.04 49.88
¯ First State Bank Shelton Neb. 2.38 32,219 20.37 47.22
135 Bank of the Federated States of Micronesia Kolonia 2.37 58,260 11.14 71.11
¯ Farmers State Bank of Madelia Minn. 2.37 42,675 22.67 51.23
¯ Bank of Bloomsdale Mo. 2.37 121,610 27.3 39.19
¯ Farmers and Merchants State Bank Plankinton, S.D. 2.37 53,155 14.82 46.72
139 Peoples Bank and Trust Co. Owenton, Ky. 2.36 59,591 24.33 50.42
¯ Needham Co-Op Bank Needham, Mass. 2.36 386,345 7.75 23.22
141 Wheeler County State Bank Alamo, Ga. 2.35 34,515 22.53 52.62
¯ Hill Dodge Banking Co. Warsaw, Ill. 2.35 30,070 28.65 41.45
¯ First State Bank Watonga, Okla. 2.35 30,824 23.62 59.1
¯ Security First National Bank of Hugo Okla. 2.35 81,090 33.43 40.58
145 State Bank Texas Irving 2.34 143,696 31.37 43.23
¯ International Bank of Amherst Wis. 2.34 33,710 18.93 48.48
147 Citizens Bank Elizabethton, Tenn. 2.33 552,938 23.01 49.63
¯ Southwest National Bank of Wichita Kan. 2.33 130,591 28.54 58.1
149 Heritage Bank of Schaumburg Ill. 2.32 92,813 33.97 55.39
¯ Western National Bank Odessa, Tex. 2.32 348,165 22.54 55.65
¯ Great Plains National Bank Elk City, Okla. 2.32 153,974 26.55 56.2

*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 those whose credit card loans exceeded 25% of gross loans.

© 2002 American Banker
Source: Thomson Financial/Sheshunoff Information Services (www.sheshunoff.com)