Top Performers Among All Public and Private Banks Under $2 Billion of Assets

May 01, 2015, 5:33 p.m. EDT 1 Min Read

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Top Performers Among All Public and Private Banks Under $2 Billion of Assets Of the nearly 5,000 institutions that fit our criteria for this ranking, these are the 500 most profitable as measured by their three-year average return on equity.
Rank	Institution	Location	Total Assets ($000)	3-YR ROAE Avg. (%)	ROAE (%)	ROAA (%)	Net Income Growth, YOY (%)	Net Loan Growth, YOY (%)	Efficiency Ratio (%)	Net Interest Margin (%)	NPAs / Total Assets (%)
1	Federal Savings Bank	Chicago	216,602	46.36	15.60	2.34	71.92	67.46	91.88	3.68	0.19
2	Live Oak Banking Co.*	Wilmington, NC	634,053	34.62	38.46	4.03	9.89	64.83	59.14	3.93	3.13
3	Charter Bank*	Corpus Christi, TX	252,672	32.45	34.10	2.71	12.97	14.58	46.82	7.30	0.08
4	Main Street Bank	Bingham Farms, MI	176,602	25.15	14.66	1.32	-8.75	14.34	79.43	4.35	1.10
5	Northpointe Bank	Grand Rapids, MI	421,350	23.97	30.30	2.55	346.32	45.53	63.22	4.73	5.30
6	Security First National Bank of Hugo	Hugo, OK	104,802	23.90	22.77	1.88	-6.90	8.21	51.51	5.59	1.60
7	Citizens State Bank of La Crosse*	La Crosse, WI	163,414	23.16	20.83	1.81	5.63	14.95	48.87	4.38	0.47
8	NewBank	Flushing, NY	201,342	22.92	23.22	3.07	19.78	18.28	42.16	4.49	0.59
9	Watford City Bancshares Inc.*	Watford City, ND	1,972,627	22.61	24.05	1.55	32.16	21.29	54.61	4.55	2.14
10	Crestmark Bank	Troy, MI	693,284	22.10	17.02	2.13	-18.68	22.99	65.14	13.59	0.47
11	West Town Bank & Trust	North Riverside, IL	183,453	21.87	22.76	2.47	59.13	22.45	73.80	4.39	3.77
12	EvaBank	Cullman, AL	330,728	21.87	21.99	2.99	25.60	-2.49	40.00	8.34	5.14
13	Philadelphia Trust Co.	Philadelphia	18,658	21.64	20.62	15.63	7.42	80.36	63.27	2.08	0.00
14	United Community Bank of North Dakota*	Leeds, ND	307,484	21.56	21.38	1.95	13.49	7.21	41.24	5.29	0.20
15	Independence Bancshares, Inc.	Owensboro, KY	1,582,261	21.37	21.28	1.46	13.07	13.67	52.81	4.20	0.20
16	Continental Bank*	Salt Lake City	172,660	21.36	24.59	4.42	15.52	27.76	33.19	11.35	3.95
17	Bank of Hydro*	Hydro, OK	137,289	21.33	20.45	1.64	1.67	5.70	42.15	4.03	0.00
18	Carolina Financial Corporation	Charleston, SC	1,200,580	21.22	9.40	0.84	-50.58	41.45	78.88	3.56	0.55
19	Choice Financial Holdings Inc.*	Fargo, ND	917,268	21.17	20.13	1.63	20.84	13.45	50.92	4.21	0.29
20	Security State Bank*	Sutherland, IA	110,800	21.13	20.56	1.81	3.06	8.04	35.66	4.41	0.00
21	Mid-Missouri Bancshares, Inc.	Springfield, MO	597,546	21.08	20.91	0.80	30.33	6.73	75.14	3.76	1.82
22	Bank of England	England, AR	321,539	20.83	14.29	1.73	-12.28	37.36	88.76	4.01	2.62
23	Crockett National Bank*	San Angelo, TX	489,637	20.82	17.26	1.66	-13.10	21.20	76.98	3.92	0.56
24	Manhattan Banking Corp.*	Manhattan, KS	1,292,391	20.73	19.23	1.58	6.56	19.25	45.95	3.84	0.44
25	Riverside Bank*	Sparkman, AR	57,924	20.61	20.74	1.91	0.71	5.71	49.04	5.36	0.29
26	PrinsBank*	Prinsburg, MN	126,227	20.56	22.63	2.50	10.03	4.61	44.66	4.59	0.60
27	Stearns Financial Services Inc.*	St. Cloud, MN	1,907,785	20.56	20.77	2.42	-6.68	21.76	46.84	7.02	1.78
28	First Financial Banc Corp.*	El Dorado, AR	915,984	20.36	17.00	1.67	-4.03	-0.09	55.84	4.16	3.40
29	FCT Bancshares Inc.*	Waco, TX	732,503	20.30	18.36	1.16	6.92	7.73	51.90	3.83	0.45
30	Wells Bank of Platte City*	Platte City, MO	122,421	20.18	17.61	1.58	-12.68	18.28	47.93	4.55	0.00
31	CB&T Holding Corp.*	New Orleans	977,733	20.08	12.82	1.02	-15.26	10.90	54.35	12.21	2.61
32	Bank 7*	Oklahoma City	478,704	19.98	17.08	1.57	10.90	33.55	49.09	5.59	0.42
33	Mid America Bank & Trust Company	Dixon, MO	145,156	19.95	23.26	3.24	46.03	2.17	37.59	4.27	1.19
34	Farmers Exchange Bank*	Cherokee, OK	264,054	19.87	20.82	1.88	34.01	40.55	39.37	4.87	0.28
35	Prime Bank*	Edmond, OK	209,991	19.65	18.33	1.75	5.79	8.73	41.81	4.47	0.00
36	AMG National Trust Bank	Englewood, CO	281,688	19.50	21.07	1.75	19.72	37.70	74.35	1.94	0.00
37	Liberty State Bank*	Powers Lake, ND	85,600	19.49	19.02	1.74	14.21	5.58	35.44	4.14	0.00
38	State Bank of Texas*	Dallas	834,941	19.40	37.12	7.49	260.71	67.24	13.07	6.56	2.66
39	First-West Texas Bancshares Inc.*	Midland, TX	1,073,464	19.38	17.75	1.05	-13.62	35.70	51.51	3.55	0.17
40	Henderson State Bank	Henderson, NE	228,559	19.13	19.16	1.64	12.88	21.02	40.11	4.27	0.14
41	Volunteer State Bank*	Portland, TN	464,109	19.01	12.19	1.23	-3.47	19.46	74.93	4.50	1.51
42	Republic Bank*	Bountiful, UT	277,804	18.85	16.16	2.14	-50.38	-46.62	21.84	3.88	0.54
43	Community Bank*	Longview, TX	214,467	18.70	16.58	1.42	2.44	1.88	46.76	3.63	0.00
44	ACB Bank*	Cherokee, OK	97,235	18.58	16.43	1.41	-10.25	23.57	57.68	5.07	0.35
45	First National Bank*	Fabens, TX	327,660	18.36	17.50	1.84	4.24	10.37	50.26	4.26	0.28
46	Horizon Bank	Waverly, NE	226,597	18.33	15.96	1.87	-0.98	3.18	43.01	4.17	0.42
47	First State Bank*	Scottsbluff, NE	252,584	18.25	18.56	1.71	4.20	9.38	46.70	4.37	1.30
48	South Dakota Bancshares Inc.*	Pierre, SD	890,700	18.18	19.83	1.20	38.04	6.33	65.01	4.53	1.27
49	Peoples State Bank*	McDonald, KS	135,206	18.16	17.64	1.60	12.77	13.91	49.99	5.45	1.16
50	Venture Bank*	Bloomington, MN	493,643	18.11	19.23	1.57	27.91	18.60	53.50	4.61	0.89
51	Almena State Bank*	Almena, KS	33,691	17.97	15.11	1.15	-25.61	13.88	72.41	5.74	0.03
52	Karnes County National Bank of Karnes City	Karnes City, TX	375,535	17.83	18.61	1.19	15.57	18.15	43.36	3.11	0.18
53	Farmers and Merchants State Bank*	Plankinton, SD	101,050	17.80	15.97	1.56	-13.68	11.27	43.36	4.49	0.10
54	Community Bank	Bristow, OK	83,572	17.79	17.21	1.30	-0.84	-3.39	59.80	4.03	0.09
55	First Bank of Chandler*	Chandler, OK	85,208	17.78	19.06	1.96	12.83	7.39	39.75	5.27	0.40
56	Capital Bank, National Association	Rockville, MD	612,661	17.72	14.16	1.28	-1.72	27.96	69.66	5.61	1.16
57	McKenzie County Bank*	Watford City, ND	175,232	17.71	15.81	1.04	-5.01	1.34	56.87	3.81	0.60
58	National Bank of Andrews*	Andrews, TX	207,047	17.43	21.96	2.04	71.68	11.22	51.54	4.02	0.08
59	Cowboy Bank of Texas*	Maypearl, TX	60,309	17.37	16.84	1.68	4.63	11.16	55.48	4.81	0.32
60	Exchange Bank*	Gibbon, NE	673,073	17.32	17.48	1.77	23.44	31.42	42.60	4.30	0.75
61	Ultima Bank Minnesota*	Winger, MN	158,497	17.17	17.26	1.56	14.12	8.23	52.07	5.09	1.32
62	Treynor State Bank	Treynor, IA	284,884	17.08	16.61	1.36	26.52	-15.55	60.26	4.18	0.34
63	Bank of Baker*	Baker, MT	162,811	17.07	15.65	1.32	-6.35	0.39	45.00	4.11	0.29
64	Amerasia Bank	Flushing, NY	430,422	17.07	15.00	1.61	3.65	15.83	40.19	5.14	0.70
65	Bank of Rantoul*	Rantoul, IL	217,334	17.04	16.62	1.69	8.52	5.44	38.33	4.32	0.12
66	Nebraska State Bank*	Oshkosh, NE	47,893	17.02	18.08	1.99	18.02	5.90	46.78	4.24	0.00
67	Freedom Bank*	Huntingburg, IN	350,325	17.01	16.33	1.59	3.48	4.94	40.17	3.62	0.43
68	Midwest Bank*	Detroit Lakes, MN	342,461	17.00	15.02	1.45	-16.95	3.28	49.26	4.05	0.26
69	Exchange Bank and Trust Co.*	Perry, OK	288,045	16.98	17.80	1.58	24.88	10.84	50.45	4.16	1.34
70	Guaranty Bank & Trust Co. of Delhi, Louisiana*	Delhi, LA	177,831	16.95	17.85	1.49	19.30	18.77	53.59	4.67	0.27
71	Starion Bancorp.*	Bismarck, ND	1,107,534	16.92	15.28	1.25	2.09	10.26	60.54	3.66	0.66
72	Biscayne Bank	Coconut Grove, FL	505,535	16.92	15.26	1.30	30.95	46.90	41.27	4.05	0.23
73	Peoples Bank*	Mendenhall, MS	243,010	16.91	16.18	1.57	-3.83	2.32	56.07	5.92	4.97
74	Goodfield State Bank*	Goodfield, IL	99,884	16.91	12.97	1.55	-11.16	17.85	55.04	4.47	0.46
75	Premier Bank*	Rock Valley, IA	305,490	16.88	16.49	1.92	3.26	9.14	33.49	4.33	0.00
76	State Bank of Schaller	Schaller, IA	32,969	16.85	14.72	1.43	30.55	-11.12	49.64	3.28	0.27
77	Farmers State Bank*	Waterloo, IA	600,596	16.83	14.58	1.18	-0.79	9.70	55.19	4.11	0.31
78	Heartland State Bank*	Redfield, SD	70,935	16.78	14.09	1.60	-22.21	-0.72	55.08	5.92	0.49
79	Community National Bank*	Seneca, KS	379,454	16.76	16.94	1.53	9.49	6.33	49.85	3.09	0.66
80	First State Bank of Golva*	Golva, ND	83,518	16.72	15.70	1.47	-0.88	4.18	45.82	4.15	0.00
81	Gold Coast Bank	Chicago	348,022	16.71	17.42	1.64	10.60	11.37	39.46	4.66	0.62
82	University Bank	Ann Arbor, MI	127,922	16.71	11.46	1.09	-42.94	19.72	94.39	4.67	1.32
83	Peoples State Bank*	Summit, SD	60,045	16.68	18.17	2.02	14.29	3.38	37.23	4.96	0.42
84	Citizens State Bank*	Miles, TX	98,335	16.65	19.25	1.86	32.92	20.93	46.46	5.66	0.13
85	FirstBank*	Antlers, OK	283,827	16.59	15.58	1.27	7.84	9.91	71.58	6.98	0.46
86	Horizon Bank*	Austin, TX	550,765	16.58	17.40	1.51	28.69	29.09	57.81	4.77	0.01
87	Bloomsdale Bank*	Bloomsdale, MO	200,594	16.56	16.46	1.63	-2.91	9.22	49.45	4.26	0.80
88	Farmers Savings Bank*	Colesburg, IA	168,163	16.54	10.42	1.32	-3.76	3.53	51.15	4.35	0.59
89	First National Bank & Trust Co. of Williston*	Williston, ND	490,062	16.51	16.58	1.39	12.74	4.57	42.04	3.00	0.00
90	Oak Creek Valley Bank*	Valparaiso, NE	71,657	16.48	15.93	1.96	6.42	6.51	40.25	4.67	0.64
91	Currie State Bank	Currie, MN	67,047	16.41	18.27	1.53	23.14	9.13	50.12	5.11	0.53
92	First Whitney Bank and Trust*	Atlantic, IA	208,152	16.41	15.61	1.68	1.26	5.75	34.99	3.88	0.00
93	Security Bank and Trust Co.*	Paris, TN	171,211	16.40	15.47	1.52	0.69	-5.65	48.21	4.25	0.00
94	Bank Northwest*	Hamilton, MO	112,867	16.33	17.32	1.50	9.12	10.29	51.17	4.59	1.19
95	First Western Mortgage Corp.*	Fort Worth, TX	1,072,067	16.30	6.74	1.50	-61.10	17.54	79.59	5.64	8.68
96	Idabel National Bank*	Idabel, OK	124,159	16.20	16.03	1.51	-0.18	-1.82	50.80	3.76	0.18
97	Farmers and Merchants Bank*	Maysville, OK	21,692	16.18	16.00	1.12	-7.05	10.61	60.79	3.93	0.00
98	First General Bank	Rowland Heights, CA	585,152	16.16	15.39	1.77	9.25	1.51	35.07	4.28	1.76
99	Farmers and Merchants Bank of Kendall*	Kendall, WI	73,541	16.13	14.92	1.93	-22.48	4.31	47.36	5.06	0.26
100	Arbor Bancorp, Inc.	Ann Arbor, MI	1,075,680	16.09	16.77	1.16	20.29	12.98	58.78	4.52	0.26
101	Auburn Banking Co.*	Auburn, KY	72,937	16.09	16.50	1.19	14.18	9.71	58.78	4.09	1.41
102	Atkins Savings Bank & Trust	Atkins, IA	80,974	16.08	15.51	1.59	-0.48	18.34	37.21	3.67	0.00
103	Bank of Commerce	Greenwood, MS	334,922	16.08	16.04	1.32	8.71	11.70	43.95	4.32	0.14
104	First Farmers Financial Corporation	Converse, IN	1,339,670	16.06	15.14	1.29	2.59	5.30	54.65	3.95	1.40
105	Hingham Institution for Savings	Hingham, MA	1,552,229	16.05	19.37	1.52	66.51	14.81	37.19	3.27	0.40
106	Access National Corporation	Reston, VA	1,052,880	16.05	14.47	1.45	5.44	15.75	60.52	3.84	0.26
107	Liberty Bancshares, Inc.	Springfield, MO	1,080,578	16.04	16.94	1.67	16.06	-0.26	53.02	4.49	0.86
108	Bank of Cushing	Cushing, OK	121,002	16.04	14.19	1.60	-17.58	-5.71	53.06	5.07	0.00
109	Western Bank, Artesia, New Mexico*	Artesia, NM	183,930	16.00	16.10	1.41	1.72	17.42	42.06	3.64	0.52
110	First National Bank*	Arcadia, LA	207,269	16.00	16.78	1.43	8.96	5.73	61.85	5.48	1.01
111	St. Martin Bank and Trust Co.*	St. Martinville, LA	525,828	15.97	15.96	1.65	10.62	26.52	49.38	5.55	0.97
112	WestStar Bank Holding Co.*	El Paso, TX	1,080,410	15.91	15.37	1.43	-1.99	2.30	53.74	4.24	0.80
113	Marion County State Bank*	Pella, IA	281,049	15.89	15.50	1.64	1.30	11.52	41.49	3.87	0.00
114	Bank of Buffalo*	Buffalo, KY	72,922	15.89	14.66	1.67	-11.03	3.09	36.74	4.35	0.97
115	Regional Missouri Bank*	Marceline, MO	192,235	15.81	12.95	1.12	3.00	18.65	54.84	4.09	1.03
116	Iowa State Bank*	Clarksville, IA	310,248	15.80	14.54	1.15	-8.15	14.11	38.86	3.31	0.45
117	Bridgewater Bank	Bloomington, MN	699,915	15.79	18.14	1.59	51.00	25.67	38.19	4.55	1.43
118	Ironhorse Financial Group Inc.*	Muskogee, OK	1,132,291	15.78	15.67	1.63	19.13	7.37	57.20	5.38	1.48
119	State Bank of New Richland*	New Richland, MN	101,021	15.75	14.96	1.47	5.10	12.19	41.68	3.87	0.66
120	USNY Bank	Geneva, NY	217,251	15.67	14.49	1.32	12.36	20.73	45.30	4.11	0.00
121	Pacific Enterprise Bank	Irvine, CA	402,251	15.67	13.77	1.59	9.08	13.26	57.78	5.50	0.43
122	First State Bank*	Louise, TX	358,236	15.66	16.13	1.27	7.80	24.05	61.21	4.79	0.35
123	State Bank of Bellingham	Bellingham, MN	45,676	15.66	12.86	1.08	1.12	9.98	51.20	4.30	0.00
124	City National Bank of Colorado City*	Colorado City, TX	131,240	15.65	14.98	1.05	1.69	15.18	55.45	3.27	0.04
125	Brunswick State Bank*	Brunswick, NE	97,993	15.64	15.24	1.50	24.94	3.46	45.09	3.82	0.32
126	Great Plains Bank*	Eureka, SD	102,301	15.61	14.93	1.56	5.76	3.23	45.89	4.59	0.15
127	Union Bankshares, Inc.	Morrisville, VT	624,063	15.57	14.89	1.29	7.83	5.63	66.88	4.16	0.52
128	First Community Bank of Central Alabama*	Wetumpka, AL	335,236	15.53	16.39	1.31	9.01	4.71	53.83	4.12	0.73
129	First Bank*	Conroe, TX	371,810	15.51	14.24	1.10	-32.17	3.45	66.07	4.82	0.56
130	Ambank Company Inc.*	Sioux Center, IA	1,030,881	15.43	14.32	1.31	-1.77	10.22	52.30	3.66	0.85
131	Security Bank*	Tulsa, OK	479,071	15.41	15.99	1.73	12.70	5.32	32.34	4.25	0.17
132	Southwest Capital Bank*	Las Vegas, NM	277,008	15.40	14.36	1.37	7.94	24.83	55.16	4.89	0.17
133	Lowry State Bank*	Lowry, MN	42,503	15.38	15.23	1.51	26.07	4.33	53.69	4.92	2.55
134	United Community Bank of West Kentucky Inc.	Morganfield, KY	219,906	15.37	14.44	1.55	3.19	4.18	50.20	4.28	0.11
135	Community Bank of Oelwein	Oelwein, IA	101,438	15.37	15.01	1.33	17.64	6.28	37.23	2.77	0.19
136	Citizens Financial Services, Inc.	Mansfield, PA	925,049	15.37	13.73	1.48	0.07	2.62	50.58	3.79	1.16
137	Charter Bankshares Inc.*	Eau Claire, WI	780,024	15.32	14.46	1.77	1.63	11.73	44.53	4.54	0.95
138	First Community Bank*	Corpus Christi, TX	371,408	15.31	15.75	1.39	2.78	10.35	67.96	5.68	0.62
139	Clear Lake Bank and Trust Co.*	Clear Lake, IA	353,864	15.31	16.25	1.38	34.93	8.27	53.84	4.04	0.11
140	Lakeside State Bank*	Fargo, ND	442,238	15.30	18.21	1.07	55.84	39.41	38.17	2.85	0.06
141	Bank of Hemet*	Riverside, CA	489,353	15.30	14.40	1.71	-1.38	1.56	48.33	4.49	0.32
142	First American Bank*	Stonewall, OK	30,718	15.30	11.56	1.19	-27.37	-0.26	60.89	4.99	1.04
143	Tri Valley Bank*	Talmage, NE	38,603	15.28	14.63	1.24	9.21	11.90	44.94	4.06	0.00
144	Commercial State Bank of Wagner*	Wagner, SD	146,986	15.28	16.66	1.89	9.22	9.29	40.03	5.19	0.53
145	The Bank*	Oberlin, KS	331,592	15.27	14.64	1.48	11.25	21.46	36.52	3.88	0.03
146	Southwest State Bank*	Sentinel, OK	97,223	15.25	11.43	1.10	-48.53	10.31	55.60	3.69	0.37
147	Citizens Savings Bank*	Anamosa, IA	130,202	15.25	16.37	1.42	24.99	5.91	48.17	3.94	0.24
148	CFG Community Bank*	Baltimore	591,245	15.24	9.08	1.19	-62.92	23.26	69.52	5.05	0.37
149	Lamar Bank and Trust Co.*	Lamar, MO	135,190	15.24	15.33	1.42	3.90	3.52	50.25	3.91	0.37
150	NOA Bank*	Duluth, GA	196,608	15.23	17.81	2.23	27.07	21.74	48.54	4.31	0.72
151	First Resource Bank*	Lino Lakes, MN	78,993	15.21	14.21	4.23	-11.08	-1.61	54.88	7.60	5.11
152	Farmers and Merchants Bank	Milford, NE	587,275	15.21	16.44	1.51	15.24	1.24	49.74	3.03	0.01
153	Falls City National Bank	Falls City, TX	344,991	15.18	16.37	1.27	16.57	11.80	32.94	3.63	0.87
154	Sterling Bank*	Barron, WI	212,172	15.18	13.63	1.20	-9.62	0.34	57.19	4.03	0.76
155	Guaranty Capital Corp.*	Belzoni, MS	604,463	15.16	14.08	1.14	-13.85	1.49	59.28	4.00	3.42
156	Eastman National Bank of Newkirk	Newkirk, OK	228,216	15.15	15.06	1.45	14.32	12.10	50.17	4.22	0.39
157	First State Bank of DeQueen*	De Queen, AR	203,080	15.14	15.60	1.18	5.94	7.61	58.15	4.50	0.66
158	Cheaha Bank	Oxford, AL	186,810	15.13	16.25	1.72	20.87	6.63	48.84	5.09	0.15
159	Commonwealth Business Bank	Los Angeles	653,450	15.13	15.95	1.84	20.62	21.74	46.60	3.88	1.26
160	Peoples Community Bank*	Greenville, MO	320,553	15.13	14.51	2.26	89.59	86.80	39.25	5.46	0.57
161	First Bank Lubbock Bancshares Inc.*	Lubbock, TX	740,401	15.13	16.65	1.14	16.06	16.21	70.91	3.89	1.95
162	Security Star Bancshares Inc.*	Midland, TX	941,449	15.08	15.90	1.43	13.14	-2.76	59.00	5.26	0.27
163	Citizens State Bank*	Okemah, OK	251,804	15.08	12.02	1.25	-13.64	7.12	46.23	3.44	0.78
164	Nodaway Valley Bancshares Inc.*	Maryville, MO	830,635	15.05	14.78	1.27	1.47	1.70	55.06	3.79	1.05
165	1st Bank & Trust*	Broken Bow, OK	128,302	15.04	14.18	1.61	2.07	17.44	50.62	4.40	0.18
166	First York Ban Corp.*	York, NE	1,394,551	15.03	14.67	1.19	6.36	10.25	59.13	4.09	1.06
167	Community Bank of Louisiana*	Mansfield, LA	408,465	15.03	13.19	1.17	-7.49	10.44	57.18	3.46	1.35
168	Coastal Commerce Bank*	Houma, LA	414,528	15.03	15.92	1.40	14.18	8.14	56.20	4.67	1.03
169	Independence Bank	Havre, MT	555,338	15.03	14.23	1.84	3.24	11.67	38.46	4.79	0.69
170	TexasBank*	Brownwood, TX	377,266	15.02	13.52	1.65	-5.94	8.65	52.70	5.04	0.29
171	NSB Bank*	Mason City, IA	185,742	15.02	14.34	1.25	7.95	8.75	49.13	3.53	0.69
172	Farmers and Merchants State Bank of Pierz*	Pierz, MN	185,410	15.00	13.83	1.43	-5.05	9.83	50.40	4.44	3.21
173	Corydon State Bank*	Corydon, IA	96,848	14.99	12.94	2.25	-5.40	4.05	20.76	4.91	2.24
174	Coleman County State Bank*	Coleman, TX	105,201	14.98	15.26	1.43	6.42	1.55	58.35	4.80	0.16
175	Southwest National Bank*	Wichita, KS	441,679	14.98	14.60	1.27	2.35	1.12	55.03	4.39	0.05
176	American Bancor, Ltd.	Dickinson, ND	1,296,746	14.95	13.65	1.03	3.31	13.95	62.51	3.79	0.63
177	Citizens Bank & Trust Company	St. Paul, NE	153,475	14.95	13.84	1.40	-1.14	5.25	47.94	4.58	0.06
178	Security State Bank*	Cheyenne, OK	198,079	14.94	14.69	1.61	5.84	10.87	41.92	3.53	0.52
179	Community First Bank of the Heartland*	Mount Vernon, IL	171,486	14.92	15.60	1.44	15.30	5.91	56.86	4.92	0.41
180	Gulf Coast Bank and Trust Company	New Orleans	1,219,842	14.91	17.80	1.68	31.43	22.02	65.99	6.67	2.17
181	Gibsland Bank & Trust Company	Gibsland, LA	357,825	14.90	12.96	1.21	11.67	13.59	58.35	5.44	1.09
182	RidgeStone Bank	Brookfield, WI	394,511	14.90	23.80	3.10	64.35	0.96	50.56	5.43	3.92
183	Lakeside Bank of Salina	Salina, OK	31,543	14.88	14.72	1.55	-2.82	1.74	57.86	5.91	3.42
184	Ouachita Bancshares Corp.*	Monroe, LA	636,662	14.86	14.38	1.25	6.47	-3.56	61.86	4.14	0.72
185	First State Bank	Boise City, OK	64,093	14.84	16.82	1.43	20.95	7.42	52.33	5.27	0.46
186	Integrity Bancshares, Inc.	Camp Hill, PA	844,182	14.84	16.70	1.31	32.76	15.27	47.73	3.65	1.76
187	Savings Bank*	Primghar, IA	178,700	14.84	14.97	1.29	13.48	17.34	41.15	3.66	0.08
188	Mid-America Bank	Baldwin City, KS	99,834	14.80	15.31	1.68	75.20	28.00	66.41	4.74	0.73
189	Heritage State Bank*	Lawrenceville, IL	78,110	14.79	13.22	1.39	-3.85	10.07	60.33	5.39	0.68
190	Dakota Western Bank*	Bowman, ND	258,376	14.77	14.89	1.53	8.01	14.94	45.27	4.15	0.35
191	1st Bank*	Broadus, MT	53,074	14.76	23.19	2.77	156.94	-68.59	40.84	2.87	0.00
192	Victory Community Bank*	Fort Mitchell, KY	162,765	14.71	11.46	1.46	-29.90	-1.95	49.97	3.09	2.02
193	First Dakota Financial Corporation	Yankton, SD	1,106,401	14.71	14.86	1.06	15.98	10.31	66.25	4.47	1.33
194	Security Bank of Southwest Missouri*	Cassville, MO	79,794	14.71	14.56	1.34	2.11	7.11	55.63	4.15	2.33
195	Lyons Bancorp, Inc.	Lyons, NY	806,844	14.70	13.96	0.94	2.49	8.74	64.35	3.44	0.49
196	Community First Bank*	New Iberia, LA	326,925	14.65	15.32	1.30	4.43	14.59	57.11	4.61	0.28
197	Home Loan Savings Bank	Coshocton, OH	178,317	14.65	14.32	1.70	2.18	8.64	51.06	4.98	1.12
198	Sundown State Bank	Sundown, TX	192,155	14.61	14.93	1.04	25.76	2.11	59.76	3.88	0.00
199	International Bank of Chicago*	Chicago	525,268	14.60	9.45	0.99	20.12	2.81	45.59	3.91	2.98
200	Security National Bank of Enid*	Enid, OK	341,431	14.59	13.51	1.28	-8.68	2.37	47.70	3.54	0.22
201	Pioneer Trust Bank, National Association	Salem, OR	372,925	14.56	15.11	1.85	9.97	14.83	38.52	3.63	0.63
202	Farmers & Merchants State Bank of Cawker City*	Cawker City, KS	18,062	14.56	15.98	1.42	46.53	12.92	44.60	4.09	0.21
203	Mississippi River Bank*	Belle Chasse, LA	133,281	14.55	10.91	1.26	-21.18	-0.35	53.36	4.48	0.78
204	Basile State Bank*	Basile, LA	57,676	14.55	14.06	1.31	1.78	9.38	60.80	5.28	1.51
205	Brush Country Bank*	Freer, TX	47,045	14.54	14.03	1.28	-5.40	2.03	59.17	4.46	0.53
206	WoodTrust Bank*	Wisconsin Rapids, WI	370,410	14.54	17.90	1.71	42.50	10.05	52.74	2.87	1.20
207	Waggoner National Bank of Vernon*	Vernon, TX	272,990	14.52	14.27	1.86	0.76	3.89	46.38	4.35	0.53
208	Taylor County Bank*	Campbellsville, KY	165,474	14.52	13.27	1.52	-11.10	12.64	51.95	4.66	0.96
209	HomeTown Bank of Alabama	Oneonta, AL	308,818	14.51	14.71	1.66	14.40	11.95	53.49	4.61	1.91
210	Western Commerce Bank*	Carlsbad, NM	440,170	14.48	14.32	1.13	2.30	2.59	57.82	3.97	1.34
211	Northern Bancorp, Inc.	Woburn, MA	1,281,665	14.47	15.16	1.32	22.04	21.80	44.58	4.15	0.22
212	Progressive Ozark Bank*	Salem, MO	116,327	14.47	13.90	1.42	-4.15	-0.37	64.31	4.42	1.30
213	First National Bank of Burleson*	Burleson, TX	176,678	14.45	15.49	1.42	38.87	-19.60	46.84	3.48	0.89
214	Fannin Bank*	Bonham, TX	81,147	14.45	11.97	0.93	7.77	5.48	71.58	4.90	0.11
215	Heartland Bank*	Little Rock, AR	234,403	14.45	15.30	2.25	16.42	4.95	47.54	7.03	1.32
216	Vintage Bank*	Waxahachie, TX	181,739	14.45	13.84	1.31	1.90	1.37	61.14	4.54	2.12
217	Bank of DeSoto*	Desoto, TX	186,082	14.45	13.62	1.38	-3.60	-0.18	58.68	7.20	2.86
218	Bank of Glen Ullin*	Glen Ullin, ND	52,090	14.44	13.56	1.43	-14.87	13.64	48.44	5.08	0.52
219	First United Bank*	Park River, ND	191,648	14.44	13.22	1.16	2.01	9.82	55.79	4.11	0.25
220	Farmers Bancorp Inc.*	Blytheville, AR	413,830	14.43	17.36	1.46	89.21	8.81	54.63	4.49	2.30
221	Bank, The	Jennings, LA	198,229	14.41	14.11	1.36	5.92	6.19	59.91	5.24	0.11
222	Oklahoma State Bank*	Buffalo, OK	60,224	14.41	15.75	1.17	15.16	14.64	59.98	3.90	0.01
223	Sargent County Bank*	Forman, ND	117,285	14.41	13.94	1.96	2.66	10.62	33.21	4.40	0.00
224	First National Bank of Albany*	Albany, TX	486,698	14.38	14.03	1.46	3.12	5.57	36.79	3.66	0.17
225	Citizens Community Bank	Winchester, TN	204,489	14.34	15.37	1.73	10.40	1.79	46.17	5.53	2.65
226	Farmers and Merchants National Bank of Fairview*	Fairview, OK	105,918	14.34	12.97	1.49	4.41	10.75	48.81	4.15	0.00
227	Muncy Bank and Trust Company	Muncy, PA	360,027	14.33	13.14	1.30	3.48	7.48	52.78	3.96	0.68
228	AmeriState Bank*	Atoka, OK	216,636	14.31	14.97	1.34	7.68	8.38	63.62	4.52	0.67
229	Verus Bank of Commerce	Fort Collins, CO	266,662	14.30	14.37	2.13	1.84	2.11	32.99	4.73	0.46
230	Security State Bank	Pearsall, TX	518,486	14.29	14.17	1.38	7.67	5.11	49.40	3.53	0.91
231	Somerset Trust Holding Company	Somerset, PA	912,637	14.28	13.48	1.18	0.91	15.89	69.84	4.33	0.51
232	First National Bank of Las Animas*	Las Animas, CO	317,066	14.27	15.86	1.69	27.13	11.21	47.00	4.79	0.52
233	Town and Country Bank Midwest*	Quincy, IL	160,220	14.27	13.95	1.64	19.65	0.98	48.13	4.73	0.32
234	Winter Trust of 12/3/74	Lawrence, KS	774,740	14.25	14.12	0.95	85.78	19.62	88.55	4.06	2.81
235	Minster Bank	Minster, OH	393,852	14.24	13.24	1.12	1.44	6.44	57.80	3.38	0.52
236	Grandview Bank	Grandview, TX	142,031	14.24	13.48	1.36	2.21	5.88	58.03	4.70	0.12
237	Washington Federal Bank for Savings	Chicago	135,068	14.23	13.77	1.51	8.85	2.94	45.40	4.77	0.00
238	Eitzen State Bank*	Caledonia, MN	87,434	14.23	13.15	1.19	2.86	4.16	49.28	3.06	0.26
239	Tolleson Wealth Management Inc.*	Dallas	527,959	14.21	15.04	1.33	4.45	12.26	75.03	2.34	0.01
240	First Bank*	Burkburnett, TX	328,434	14.18	14.21	1.28	7.95	8.25	68.46	4.75	1.06
241	Ciera Bank*	Graham, TX	493,978	14.17	11.04	1.41	12.56	10.89	53.04	4.80	1.41
242	American State Bank*	Osceola, IA	175,230	14.16	13.53	1.17	10.79	15.61	61.24	4.24	0.40
243	Farmers and Merchants State Bank of Argonia	Argonia, KS	36,885	14.14	8.23	0.61	-59.59	11.11	85.67	4.99	0.41
244	Granite Falls Bank*	Granite Falls, MN	249,015	14.14	14.43	1.18	15.16	12.98	37.19	3.02	0.41
245	Farmers Savings Bank*	Wever, IA	121,846	14.12	14.63	1.49	21.37	18.11	48.03	4.39	2.43
246	People's Bank of Seneca	Seneca, MO	133,398	14.12	13.95	1.21	16.87	17.93	60.80	3.90	1.59
247	Union Bank of Mena*	Mena, AR	203,997	14.12	13.42	1.43	3.14	4.06	59.20	4.78	0.27
248	Texas National Bank of Jacksonville	Jacksonville, TX	403,788	14.12	11.49	1.09	-12.28	14.64	55.35	4.36	0.78
249	Sabine Bancshares Inc.*	Many, LA	782,256	14.10	12.59	1.28	3.38	5.31	66.77	4.13	0.92
250	First Nebraska Bancs Inc.*	Sidney, NE	599,887	14.09	13.20	1.16	7.49	7.79	56.68	3.71	0.74
251	Citizens Bank of Las Cruces*	Las Cruces, NM	450,081	14.09	15.44	1.46	14.45	4.00	52.75	4.12	0.69
252	Putnam County State Bank	Unionville, MO	168,895	14.07	13.69	1.56	5.18	10.65	36.95	3.97	0.08
253	American Interstate Bank*	Elkhorn, NE	108,789	14.07	11.83	1.33	4.64	-0.01	46.66	3.67	0.02
254	Bank of Wyandotte*	Wyandotte, OK	14,674	14.05	9.01	0.79	-22.70	3.55	79.66	5.67	1.27
255	Delta Bank*	Vidalia, LA	253,046	14.05	14.57	1.16	4.99	3.66	65.02	4.39	0.40
256	Cherokee State Bank	Cherokee, IA	195,773	14.04	14.85	1.70	9.44	12.47	39.31	4.13	0.36
257	Century Bank of the Ozarks*	Gainesville, MO	172,105	14.03	13.33	1.28	-10.99	1.56	59.53	4.72	1.10
258	University Financial Corp, GBC*	St. Paul, MN	941,383	14.02	10.00	0.51	-18.39	4.62	89.55	3.03	0.86
259	Security First Bank of North Dakota*	Center, ND	179,610	14.02	14.08	1.53	22.98	9.99	56.03	4.92	0.37
260	FirstState Bank	Lineville, AL	210,972	14.00	13.09	1.30	1.12	8.37	57.14	4.31	1.11
261	Synergy Bank	Houma, LA	465,824	13.99	14.07	1.32	6.52	12.50	52.34	3.89	0.52
262	Citizens Bancshares Inc.*	Bluffton, OH	683,010	13.97	13.00	1.22	-1.71	6.04	57.22	4.02	0.92
263	Commercial Bank of Mott*	Mott, ND	98,501	13.96	13.02	1.47	2.14	5.32	45.90	4.16	0.00
264	1st Summit Bancorp of Johnstown, Inc.	Johnstown, PA	910,585	13.95	13.40	1.08	5.63	3.18	54.34	3.36	0.41
265	Midland Bancshares, Inc.	Midland, TX	1,157,650	13.92	14.68	1.01	26.14	10.90	53.70	3.53	0.22
266	First Bank & Trust Co.*	Wagoner, OK	274,115	13.89	17.75	1.92	34.53	3.30	50.27	4.76	1.23
267	Audubon State Bank*	Audubon, IA	112,718	13.89	13.53	1.16	-3.05	9.38	60.86	3.61	0.70
268	Peoples Bank and Trust Co. of Pointe Coupee Parish	New Roads, LA	219,902	13.85	15.60	1.58	24.82	4.38	46.90	4.15	1.37
269	First State Bank*	Ida Grove, IA	137,256	13.85	12.52	1.31	-7.05	2.88	52.53	4.25	1.61
270	United Farmers State Bank*	Adams, MN	150,892	13.84	13.65	1.50	57.64	65.83	47.18	4.43	0.27
271	Central Bancshares*	Golden Valley, MN	1,179,736	13.83	11.76	0.79	1.11	13.01	73.58	4.54	2.32
272	Planters Financial Group Inc.*	Clarksville, TN	857,108	13.83	13.39	1.12	6.56	16.35	54.91	3.75	0.19
273	Citizens Bank of Edina	Edina, MO	68,800	13.82	15.24	1.64	20.79	5.60	40.38	4.56	0.04
274	Bank of Montgomery*	Montgomery, LA	209,237	13.82	11.47	1.11	-8.41	8.58	67.77	4.98	0.28
275	Valley Green Bank	Philadelphia	424,567	13.79	13.07	1.16	-1.97	19.60	56.66	4.89	0.37
276	Magnolia Banking Corp.*	Magnolia, AR	1,202,797	13.76	13.21	1.25	2.93	54.22	51.46	4.06	1.96
277	Ericson State Bank	Ericson, NE	75,479	13.75	13.99	1.21	15.90	16.26	47.45	4.59	0.83
278	Wyoming Bank & Trust*	Cheyenne, WY	145,861	13.75	13.53	1.42	12.38	2.64	83.36	3.67	1.08
279	First Western Federal Savings Bank*	Rapid City, SD	42,206	13.74	12.62	2.15	33.67	11.59	47.53	6.29	1.04
280	Union Bank & Trust Co.*	Livingston, TN	81,520	13.73	13.64	1.61	9.97	1.19	49.76	5.33	3.74
281	Founders Bank & Trust	Grand Rapids, MI	459,748	13.70	11.96	1.07	-15.28	8.58	67.88	3.66	1.08
282	Bank of the West*	Thomas, OK	137,152	13.68	14.57	1.63	6.67	2.54	51.81	5.22	0.05
283	Grand Marais State Bank*	Grand Marais, MN	83,012	13.66	11.45	0.79	-14.82	-4.07	67.73	3.47	0.65
284	Du Quoin State Bank*	Du Quoin, IL	105,626	13.66	13.48	1.32	-20.33	-6.96	56.14	4.53	0.52
285	Grant County State Bank*	Carson, ND	33,856	13.64	13.63	1.45	6.54	-7.02	53.99	4.78	0.00
286	Bank of Protection	Protection, KS	63,665	13.64	12.31	1.28	5.42	14.34	56.62	4.12	0.00
287	First State Bank*	Armour, SD	115,729	13.62	13.01	0.91	-6.25	8.55	65.15	3.12	0.00
288	Trinity Bank, N.A.	Fort Worth, TX	215,474	13.61	14.22	1.68	14.12	5.08	41.60	3.56	0.14
289	First National Bank	Heavener, OK	75,509	13.59	12.23	1.16	-11.39	8.61	69.14	5.05	0.68
290	Preferred Bank*	Rothville, MO	109,096	13.58	11.88	0.97	-22.30	6.21	59.83	3.41	0.27
291	West Bancorporation Inc.	West Des Moines, IA	1,615,833	13.58	15.19	1.32	18.64	19.50	50.66	3.62	0.26
292	C&F Financial Corp.	West Point, VA	1,339,311	13.57	10.35	0.93	-14.28	0.97	62.96	6.54	0.79
293	BankSouth*	Greensboro, GA	380,330	13.56	13.03	1.39	4.76	20.23	82.72	4.92	2.66
294	Morris Bank*	Dublin, GA	503,858	13.55	14.27	1.51	25.69	9.27	48.39	4.89	1.99
295	HNB National Bank*	Hannibal, MO	399,039	13.55	12.55	1.49	-1.04	1.21	51.04	4.56	1.38
296	Planters Holding Company	Indianola, MS	793,554	13.53	13.49	1.14	4.18	8.79	54.73	3.47	1.02
297	Peoples State Bank*	Blair, OK	17,047	13.53	8.11	0.71	-39.49	0.97	73.95	4.76	0.12
298	South Central State Bank	Campbell, NE	119,033	13.50	11.76	1.22	-14.75	6.66	59.23	3.43	1.73
299	Bank of Locust Grove	Locust Grove, OK	32,523	13.50	14.93	1.50	25.26	24.85	61.07	5.34	0.33
300	Wallis State Bank*	Wallis, TX	396,264	13.49	14.56	1.49	19.76	20.45	63.35	4.51	1.09
301	First National Bank of Lindsay	Lindsay, OK	54,047	13.49	13.15	1.11	7.42	-3.96	52.25	3.42	1.64
302	First State Bank of Forrest*	Forrest, IL	151,586	13.49	10.55	0.99	-10.30	10.27	58.23	3.63	1.18
303	First Citizens Bancshares Inc.*	Waxahachie, TX	647,624	13.48	13.00	1.19	31.21	13.80	68.66	4.51	2.19
304	Farmers & Merchants Bank	Trezevant, TN	304,916	13.48	13.15	1.14	-0.29	5.76	57.16	5.67	1.64
305	Centrabanc Corp.*	Waco, TX	729,763	13.47	14.24	1.07	14.10	7.25	51.65	3.54	0.01
306	Citizens Bankshares Inc.*	Farmington, NM	733,606	13.47	13.92	1.23	0.79	6.88	53.59	3.23	0.47
307	Farmers Savings Bank*	Mineral Point, WI	260,765	13.44	11.60	1.00	-10.38	2.70	58.53	3.16	0.90
308	Tri-County Trust Co.*	Glasgow, MO	51,671	13.44	14.63	1.50	6.90	1.25	52.11	4.74	0.32
309	American Eagle Bank	South Elgin, IL	171,208	13.43	15.71	1.30	16.35	3.76	51.91	4.73	2.59
310	West Milton State Bank	West Milton, PA	354,384	13.43	13.11	1.34	1.23	10.29	52.84	3.68	0.03
311	Frost State Bank	Frost, MN	44,487	13.42	12.54	1.37	5.62	5.37	35.24	4.15	1.65
312	Farmers and Merchants Bank	Caldwell, OH	105,130	13.41	13.58	1.56	11.16	9.85	51.77	5.26	1.49
313	Commercial State Bank*	Andrews, TX	565,913	13.39	13.53	1.21	-4.27	0.72	55.71	4.84	1.37
314	West Plains Bank and Trust Co.*	West Plains, MO	343,896	13.37	12.96	1.33	-2.13	3.74	54.81	3.69	0.24
315	Security Savings Bank*	Gowrie, IA	121,007	13.37	12.86	1.10	10.46	9.82	54.10	3.56	0.16
316	Home State Bank*	Jefferson, IA	193,373	13.36	13.67	1.13	6.91	9.36	54.55	3.70	0.62
317	Farmers State Bank*	McPherson, KS	100,548	13.36	13.57	1.21	5.19	6.81	59.27	4.33	0.00
318	Evergreen Bank Group	Oak Brook, IL	606,007	13.35	12.50	1.21	-9.72	14.69	53.59	4.77	0.49
319	First Central Bank McCook	McCook, NE	101,030	13.33	14.31	1.46	26.76	11.60	49.27	4.52	0.81
320	Community Bank*	Alva, OK	104,870	13.33	14.55	1.30	39.71	8.21	50.43	3.24	0.00
321	Hometown Banc Corp*	Grand Island, NE	1,235,335	13.32	11.14	1.09	-4.55	10.79	49.50	3.47	0.02
322	First National Bank & Trust of Elk City*	Elk City, OK	320,574	13.31	13.88	1.48	9.97	8.20	43.10	3.87	0.22
323	Farmers & Merchants Savings Bank*	Waukon, IA	148,520	13.31	13.57	1.40	23.62	6.81	47.34	3.68	0.40
324	Peoples Bank & Trust Co.*	Ryan, OK	31,771	13.31	22.70	2.91	229.18	15.56	88.02	5.06	3.97
325	Cross River Bank	Teaneck, NJ	320,101	13.31	19.11	1.98	108.18	49.92	57.14	4.61	0.00
326	Cambridge Bancorp	Cambridge, MA	1,573,693	13.30	12.87	0.97	5.69	14.69	67.38	3.39	0.10
327	Sacramento Deposit Bank*	Sacramento, KY	71,444	13.29	13.47	1.60	9.74	10.46	50.48	4.89	0.42
328	Jonah Bank of Wyoming*	Casper, WY	302,416	13.28	13.86	1.24	-20.34	11.99	67.41	4.02	0.00
329	Waukon State Bank*	Waukon, IA	248,460	13.28	11.65	1.59	-2.94	5.48	39.87	4.15	0.22
330	Prairie Sun Bank*	Milan, MN	33,187	13.27	8.59	0.53	-26.49	-0.83	72.33	3.99	1.13
331	Bank of Perry County*	Lobelville, TN	147,126	13.26	13.12	1.29	3.57	-1.05	58.47	4.85	2.05
332	First Bancorp, Inc.	Lebanon, VA	1,392,630	13.26	12.78	1.33	5.91	7.61	52.18	3.86	1.89
333	Grant County State Bank*	Swayzee, IN	122,045	13.26	13.24	1.26	17.69	17.46	42.45	3.93	0.77
334	Commercial Bank & Trust Co.*	Monticello, AR	191,583	13.25	13.38	1.12	-8.18	4.28	59.63	4.19	1.29
335	Citizens Bank	Carthage, TN	533,088	13.24	14.48	2.31	2.22	-7.11	29.02	4.89	1.42
336	First State Bank Southwest*	Pipestone, MN	258,159	13.21	13.75	1.44	36.14	7.33	53.36	3.80	0.08
337	Peoples Bank Co.	Coldwater, OH	433,438	13.21	13.05	1.22	10.10	7.26	45.04	3.05	0.01
338	Affiliated Bank	Arlington, TX	500,435	13.20	14.28	1.64	75.15	29.43	67.58	5.43	1.00
339	First National Bank of Kinmundy	Kinmundy, IL	41,201	13.19	13.74	1.81	52.85	9.90	41.95	5.21	0.11
340	Liberty Savings Bank*	St. Cloud, MN	189,743	13.19	13.48	1.46	-5.86	-2.68	60.34	3.10	0.06
341	West Gate Bank*	Lincoln, NE	397,763	13.19	7.15	0.72	-13.13	2.67	74.70	3.80	0.65
342	Liberty Financial Services, Inc.	New Orleans	583,204	13.17	13.37	0.91	-9.15	0.65	78.13	4.34	2.04
343	Lakeside Bancorp Inc.*	Chicago	1,207,469	13.16	12.40	1.28	-14.67	4.83	39.87	4.23	2.46
344	Bank of Milton*	Milton, WI	102,833	13.16	9.23	0.78	-24.88	2.32	65.24	4.30	1.08
345	Adrian Bank*	Adrian, MO	133,803	13.16	13.74	1.29	18.51	2.38	54.92	4.27	0.53
346	Alerus Financial Corporation	Grand Forks, ND	1,484,602	13.16	12.21	1.39	-0.20	19.98	75.02	3.92	0.57
347	Paradise Bank*	Boca Raton, FL	305,085	13.15	12.99	1.29	5.55	0.79	66.04	3.86	1.39
348	Stock Growers Bank*	Napoleon, ND	83,515	13.15	11.82	1.39	-10.70	4.48	46.21	4.09	0.00
349	Union State Bank of Everest*	Everest, KS	259,167	13.14	13.20	1.31	3.29	8.37	56.25	4.42	1.43
350	Caldwell Bank & Trust Co.*	Columbia, LA	146,797	13.13	14.84	1.40	69.17	46.83	63.58	6.15	1.09
351	Central Bank Illinois	Geneseo, IL	497,969	13.13	12.35	1.42	3.57	7.22	45.89	4.21	1.52
352	Jersey State Bank	Jerseyville, IL	142,318	13.13	10.84	1.29	28.49	8.94	50.19	3.50	0.76
353	State Savings Bank*	Creston, IA	99,785	13.13	13.05	1.20	7.28	13.96	55.98	4.13	0.46
354	Central Bank and Trust Co.*	Hutchinson, KS	258,995	13.10	19.40	1.61	57.87	9.74	54.99	3.97	0.27
355	Farmers State Bank of Newcastle	Newcastle, TX	43,742	13.10	14.48	1.11	21.82	-5.15	55.94	3.45	0.29
356	Mid America Bank*	Linn, MO	365,483	13.10	14.77	1.10	33.26	6.66	52.33	3.80	0.58
357	Bank of Morton*	Morton, MS	63,178	13.10	13.13	1.70	1.40	13.53	54.48	5.12	2.41
358	Cass Information Systems Inc.	St. Louis	1,500,731	13.09	12.01	1.69	2.28	2.65	69.35	3.42	0.03
359	Clayton HC Inc.*	Knoxville, TN	1,026,457	13.09	11.84	2.27	-5.35	3.93	40.26	5.35	5.69
360	City Savings Bank & Trust Co.*	DeRidder, LA	314,107	13.09	13.12	1.43	9.38	18.88	56.80	5.21	0.12
361	Sterling Bancorp, Inc.	Southfield, MI	1,240,274	13.09	16.24	1.70	17.87	27.97	40.08	4.42	0.50
362	Central National Bank of Poteau*	Poteau, OK	231,894	13.08	13.62	1.24	4.81	10.71	60.38	4.01	0.35
363	American Bank & Trust of the Cumberlands*	Livingston, TN	190,586	13.06	12.81	1.06	5.64	28.79	61.11	4.33	0.54
364	Hershey State Bank	Hershey, NE	76,370	13.05	12.97	1.70	14.33	15.03	50.86	5.16	0.51
365	Farmers Enterprises Inc.*	Great Bend, KS	733,708	13.03	10.16	1.47	-7.13	19.62	63.78	3.47	2.58
366	Citizens State Bank	Roma, TX	82,185	13.01	12.37	1.19	-14.98	13.81	73.66	4.66	0.83
367	Franklin Bank*	Franklin, IL	43,195	12.97	13.87	1.12	-1.80	5.59	54.73	3.69	0.00
368	SouthTrust Bank*	George West, TX	356,956	12.97	11.01	1.06	-3.71	34.89	62.05	4.59	0.89
369	Panora State Bank*	Panora, IA	72,124	12.96	12.90	2.10	11.70	0.66	23.11	4.46	0.00
370	First State Bank	Nashua, IA	47,928	12.96	12.15	1.30	5.84	8.38	45.62	3.48	0.42
371	Northstar Bank*	Bad Axe, MI	484,982	12.95	8.38	0.85	-22.18	7.34	72.12	4.21	3.78
372	Pocahontas State Bank*	Pocahontas, IA	101,068	12.94	11.94	2.37	3.02	5.69	19.63	4.69	0.00
373	Monarch Financial Holdings, Inc.	Chesapeake, VA	1,066,737	12.94	11.05	1.13	1.09	13.44	82.71	4.29	0.41
374	First Bank Blue Earth*	Blue Earth, MN	197,514	12.92	12.15	1.29	-10.73	1.94	48.84	3.62	0.95
375	Fisher National Bank*	Fisher, IL	106,058	12.92	12.92	1.35	11.61	15.85	55.12	4.23	1.00
376	Garrison State Bank and Trust	Garrison, ND	119,265	12.91	14.12	1.30	24.13	13.51	55.52	4.35	0.31
377	United Community Bancorp Inc.*	Chatham, IL	1,780,852	12.89	12.69	0.92	20.41	3.79	60.94	3.43	0.78
378	Concordia Bank*	Concordia, MO	56,898	12.88	16.50	1.72	3.59	-1.20	62.47	4.54	2.25
379	Bank of Tescott*	Tescott, KS	324,870	12.87	12.53	1.50	7.85	6.04	44.43	4.34	0.26
380	Penns Woods Bancorp, Inc.	Williamsport, PA	1,245,011	12.86	10.85	1.20	3.72	11.82	62.29	3.80	1.49
381	Citizens Bank*	Amsterdam, MO	58,617	12.86	11.85	0.85	-4.51	1.92	76.29	5.43	2.06
382	Charter West National Bank*	West Point, NE	207,164	12.84	9.47	0.92	-22.25	20.60	76.43	4.13	0.60
383	First National Bank of Stigler*	Stigler, OK	106,750	12.83	9.02	0.69	-48.35	-14.42	53.94	3.56	1.21
384	Sundance State Bank	Sundance, WY	181,201	12.82	11.78	1.05	-0.40	-4.72	52.60	3.59	0.54
385	Table Rock Community Bank	Kimberling City, MO	61,315	12.80	11.96	1.01	6.92	15.26	65.26	4.93	1.21
386	First State Bank of Bedias*	Bedias, TX	159,819	12.80	11.79	1.46	-5.31	-11.14	44.70	3.94	1.12
387	Iowa State Bank*	Des Moines, IA	355,097	12.79	11.67	1.72	-5.06	-0.48	48.22	3.79	1.09
388	JRMB II Inc.*	Lawton, OK	685,012	12.78	12.65	1.57	55.52	3.29	75.48	3.47	0.89
389	Vinings Bank	Smyrna, GA	269,577	12.78	11.58	1.42	1.39	5.22	52.21	4.05	2.05
390	Peoples Bank*	Rock Valley, IA	465,330	12.77	13.74	1.54	13.96	18.78	48.64	4.29	0.21
391	Legence Bank*	Eldorado, IL	291,666	12.77	14.02	1.48	45.72	10.86	61.46	5.45	1.73
392	Plains Bancorp Inc.*	Dimmitt, TX	1,176,448	12.75	13.43	1.09	17.37	12.95	58.33	3.66	0.46
393	Peoples Savings Bank*	Elma, IA	58,838	12.75	13.06	1.29	9.50	-2.79	52.53	4.30	1.01
394	Jonesburg State Bank*	Jonesburg, MO	69,245	12.74	12.88	1.08	12.04	5.09	65.87	4.48	1.13
395	CCB Community Bank*	Andalusia, AL	434,586	12.74	12.96	1.36	1.14	3.58	55.76	4.95	1.63
396	Bank of Old Monroe	Old Monroe, MO	292,791	12.72	11.85	1.43	21.89	25.72	48.00	3.84	0.12
397	Bank of Lindsay	Lindsay, NE	49,935	12.72	10.33	0.82	-11.68	10.72	75.67	4.09	0.00
398	First National Bank of Oklahoma*	Oklahoma City	326,575	12.71	12.09	1.10	2.39	11.89	57.78	4.29	0.46
399	Dakota Heritage Bank of North Dakota*	Hunter, ND	148,476	12.71	12.70	1.18	-3.61	16.64	55.12	4.33	0.00
400	Merchants Bancorp Inc.	Hillsboro, OH	641,350	12.71	11.89	1.10	3.83	7.45	55.35	4.03	1.31
401	Victor State Bank*	Victor, IA	51,995	12.71	11.16	2.46	-0.14	17.75	21.13	4.89	0.00
402	Platte Valley Financial Service Cos.	Scottsbluff, NE	952,305	12.70	11.78	1.19	8.17	24.23	61.71	4.55	0.92
403	Welch State Bank*	Welch, OK	222,460	12.69	12.50	1.56	9.40	12.22	57.16	5.13	0.35
404	First State Bank of San Diego*	San Diego, TX	76,166	12.68	12.07	0.88	0.70	11.88	64.30	3.17	0.03
405	Anchor D Bank*	Texhoma, OK	177,889	12.67	13.69	1.37	92.73	7.09	59.91	4.19	0.37
406	Freedom Bank of Southern Missouri*	Cassville, MO	211,560	12.67	13.15	0.97	24.08	12.50	61.56	4.10	0.53
407	Adams County Bank*	Kenesaw, NE	168,363	12.67	13.39	0.95	18.73	-1.85	51.65	3.16	0.15
408	Security State Bank of Wewoka, Oklahoma	Wewoka, OK	167,985	12.66	15.34	1.36	90.82	4.91	51.11	4.73	0.72
409	Bank of Beaver City*	Beaver, OK	142,305	12.66	12.11	0.99	13.88	8.74	64.79	4.18	0.40
410	State Bank*	Spencer, IA	70,079	12.64	12.27	0.90	-0.12	8.48	69.98	3.80	0.23
411	Citizens First National Bank*	Storm Lake, IA	209,483	12.63	11.43	1.16	-8.52	-0.58	53.26	3.12	0.00
412	Fidelity Bank	Wichita Falls, TX	379,825	12.62	13.41	1.28	40.54	35.93	57.28	4.71	0.57
413	First National Bank of Picayune*	Picayune, MS	200,064	12.61	12.69	1.65	-2.00	-2.51	54.65	4.88	3.81
414	Homeland Federal Savings Bank*	Columbia, LA	162,741	12.61	12.58	1.39	5.01	13.11	60.45	5.42	1.66
415	Farmers National Bank of Griggsville*	Griggsville, IL	76,025	12.59	12.11	1.09	-6.11	13.84	60.90	4.42	0.29
416	Citizens State Bank*	Corrigan, TX	121,674	12.58	12.47	1.23	2.23	-1.55	55.69	4.17	0.05
417	Landmands Bank*	Audubon, IA	68,339	12.56	11.73	1.07	-9.71	0.43	65.79	4.04	0.20
418	Citizens State Bank*	Marysville, KS	310,355	12.55	13.54	1.42	10.94	8.61	39.38	3.56	0.39
419	Westbrand, Inc.	Minot, ND	950,015	12.54	16.10	1.25	45.90	18.26	52.83	3.59	0.27
420	Bank of Commerce*	Duncan, OK	193,090	12.54	13.36	1.44	34.91	26.03	54.84	4.58	1.74
421	Benchmark Community Bank	Kenbridge, VA	489,936	12.53	11.60	1.30	-0.61	12.53	62.36	4.56	1.18
422	First Sentinel Bank	Richlands, VA	173,783	12.53	10.82	1.05	-7.24	9.97	61.70	5.22	2.35
423	First Business Financial Services, Inc.	Madison, WI	1,629,387	12.52	11.79	1.04	2.86	30.96	59.83	3.62	0.83
424	Bank of Mauston*	Mauston, WI	262,120	12.52	12.45	1.33	-3.10	5.38	46.56	3.87	3.56
425	Plains Commerce Bank*	Hoven, SD	573,850	12.51	12.98	1.75	13.62	15.72	58.68	5.45	2.62
426	United State Bank*	Lewistown, MO	137,627	12.51	12.41	1.09	4.05	11.90	57.08	3.86	0.90
427	BankVista	Sartell, MN	148,251	12.50	13.37	1.26	7.40	21.07	56.92	4.32	2.17
428	Farmers State Bank of Underwood*	Underwood, MN	58,122	12.50	13.71	1.20	25.25	10.84	59.96	4.63	0.10
429	Bank of Princeton	Princeton, NJ	955,262	12.50	12.56	0.99	2.27	15.64	61.68	3.92	1.51
430	Marseilles Bank*	Marseilles, IL	51,693	12.48	12.03	1.11	-8.73	7.46	56.90	3.93	0.15
431	Heartland Bank	Geneva, NE	402,317	12.48	11.74	1.16	53.25	72.43	58.19	4.15	0.20
432	State Bank & Trust of Kenmare*	Kenmare, ND	119,008	12.47	13.65	1.19	27.14	14.17	54.57	3.35	0.00
433	New Tripoli Bank	New Tripoli, PA	379,945	12.47	10.41	1.26	-8.12	7.43	45.79	4.04	2.36
434	Peoples Bank*	Westville, OK	50,502	12.46	13.48	1.57	49.43	1.95	60.71	4.78	0.67
435	BTC Bank	Bethany, MO	373,122	12.46	11.92	1.43	4.93	8.85	45.33	4.08	1.40
436	First Missouri State Bank*	Poplar Bluff, MO	154,363	12.45	13.72	1.49	77.03	5.78	46.97	4.25	2.10
437	Middletown State Bank*	Middletown, IL	33,573	12.45	10.85	1.22	9.54	26.52	44.17	3.45	0.00
438	Sterling Bank	Poplar Bluff, MO	608,225	12.44	13.36	1.25	39.17	50.70	54.60	4.16	0.29
439	Bank Star of the BootHeel	Steele, MO	93,190	12.44	11.73	1.01	0.69	3.17	72.33	4.48	0.69
440	Farmers State Bank, Allen, Oklahoma*	Allen, OK	42,979	12.44	11.72	1.38	-1.41	7.95	60.99	5.43	1.01
441	Blackhawk Bancorporation, Inc.	Milan, IL	1,154,361	12.44	10.36	1.15	-6.56	8.45	45.99	3.58	1.42
442	Steele Street Bank & Trust*	Denver	572,850	12.43	12.83	1.31	20.47	20.72	51.81	4.18	0.00
443	First Trust & Savings Bank of Albany, Illinois*	Albany, IL	217,420	12.41	12.54	1.28	23.44	21.47	48.38	3.99	0.18
444	Citizens Savings Bank	Spillville, IA	100,934	12.40	11.74	1.39	7.93	3.37	45.29	3.94	0.57
445	First State Bank*	Lynnville, IA	162,699	12.39	10.88	1.18	1.54	38.68	52.03	4.19	0.84
446	First State Bank*	Yukon, OK	20,837	12.39	10.08	0.88	0.00	10.61	76.38	5.80	1.39
447	West Iowa Bank	West Bend, IA	120,527	12.37	12.42	1.22	11.56	8.40	51.67	3.77	0.07
448	NebraskaLand National Bank	North Platte, NE	618,907	12.37	10.26	1.06	0.25	14.52	58.40	3.86	0.56
449	Platte Valley Bank of Missouri*	Platte City, MO	435,193	12.37	13.19	1.13	12.16	7.10	66.13	4.21	0.22
450	Farmers and Merchants State Bank of Blooming Prairie*	Blooming Prairie, MN	77,615	12.37	12.52	1.08	3.41	9.29	62.83	4.31	2.87
451	First State Bank	Britt, IA	103,662	12.36	12.29	1.39	8.54	8.37	33.98	3.23	0.13
452	Texas Bank Financial*	Weatherford, TX	122,304	12.36	16.39	1.43	63.07	37.71	75.10	5.24	1.89
453	Crawford County Trust and Savings Bank*	Denison, IA	133,873	12.35	11.69	0.92	-3.96	6.19	62.30	3.50	0.01
454	Carroll County Bancshares, Inc.	Carroll, IA	721,649	12.35	11.60	1.06	4.38	6.57	60.15	3.72	0.43
455	Security Bank & Trust Co.*	Glencoe, MN	443,865	12.34	14.04	1.37	107.11	51.65	56.22	4.12	2.20
456	First State Bank of Bloomington*	Bloomington, IL	112,169	12.33	11.48	0.97	61.91	5.14	66.46	4.51	1.44
457	Commercial Capital Bank*	Delhi, LA	71,742	12.32	13.27	1.63	51.97	24.26	56.04	4.54	0.04
458	Iowa State Savings Bank*	Knoxville, IA	124,597	12.32	10.40	0.87	-2.84	1.94	67.89	3.99	1.29
459	Clarkson Bank*	Clarkson, NE	61,523	12.31	13.01	1.11	-16.30	12.53	50.12	3.15	0.20
460	Cumberland Bank & Trust	Clarksville, TN	170,210	12.31	11.28	1.14	-0.63	1.26	59.17	4.66	1.49
461	First Option Bank*	Osawatomie, KS	285,969	12.30	13.59	1.12	10.84	-1.85	60.64	3.39	0.76
462	First State Bank of Purdy*	Monett, MO	171,210	12.29	13.76	0.82	56.13	8.01	66.27	3.53	1.04
463	Malaga Financial Corporation	Palos Verdes Estates, CA	947,281	12.29	11.05	1.22	-2.46	5.95	35.85	3.30	0.01
464	Cleveland State Bank	Cleveland, WI	103,648	12.28	10.36	0.99	-12.48	4.79	60.89	4.24	1.39
465	Valley Bank of Commerce*	Roswell, NM	163,722	12.26	11.72	0.84	6.12	-3.49	52.88	2.53	0.05
466	First National Bank*	Rotan, TX	78,807	12.25	11.41	1.13	11.11	9.80	57.31	3.97	0.47
467	Bank of Hays	Hays, KS	275,672	12.24	12.02	0.95	10.45	12.58	52.03	3.21	0.74
468	Bank of South Carolina Corporation	Charleston, SC	367,360	12.22	12.56	1.23	7.90	8.35	60.22	4.27	0.51
469	Meade County Bank	Brandenburg, KY	183,494	12.20	13.60	1.16	23.20	4.97	55.02	3.36	0.18
470	Alamosa State Bank*	Alamosa, CO	208,260	12.19	11.76	1.06	3.44	13.80	55.16	3.43	0.08
471	Citizens State Bank	Tyler, TX	317,515	12.19	12.54	1.31	13.61	6.10	56.21	4.09	0.03
472	Farmers and Merchants Bank of Mound City, Kansas*	Mound City, KS	38,678	12.19	12.42	0.83	1.64	9.03	67.73	3.81	2.64
473	Union Bank	Halliday, ND	145,919	12.19	8.84	0.86	0.41	10.97	54.55	4.23	1.64
474	Citizens State Bank at Mohall*	Mohall, ND	65,283	12.18	11.92	1.00	3.66	1.78	57.03	3.72	0.03
475	Southwest Bank*	Odessa, TX	310,978	12.18	10.94	0.89	9.72	22.50	69.80	4.38	0.37
476	CBX Corp.*	Carrollton, IL	1,208,844	12.18	11.53	0.79	6.53	4.20	61.99	3.01	0.13
477	Hardin County Savings Bank*	Eldora, IA	193,981	12.17	15.75	1.05	28.73	4.40	71.39	3.23	0.26
478	Coffee County Bank*	Manchester, TN	132,525	12.16	14.20	1.79	21.99	10.31	47.77	5.01	4.24
479	Cayuga Lake National Bank	Union Springs, NY	143,200	12.15	11.74	0.97	-1.56	0.93	60.01	3.74	0.00
480	First National Bank of Grayson	Grayson, KY	215,532	12.15	10.52	1.08	-6.76	7.08	66.23	3.99	1.14
481	Middlefield Banc Corp.	Middlefield, OH	680,182	12.14	12.17	1.08	2.19	8.30	62.07	3.86	1.87
482	Cornhusker Bank*	Lincoln, NE	450,768	12.14	12.08	1.06	8.34	7.48	63.94	3.88	0.59
483	Ida Grove Bancshares Inc.*	Ida Grove, IA	1,270,647	12.13	11.90	1.22	8.98	-1.34	48.68	3.36	0.28
484	Evolve Bank & Trust	Memphis, TN	377,710	12.13	5.59	0.49	-58.15	75.05	93.95	4.11	1.47
485	Pecos County State Bank*	Fort Stockton, TX	204,877	12.12	13.70	1.07	11.23	14.47	61.71	3.97	0.08
486	Western Bank of Wolf Point*	Wolf Point, MT	89,104	12.12	12.70	1.22	9.41	1.20	54.68	3.97	0.17
487	PS Bank	Wyalusing, PA	299,163	12.12	12.64	1.02	16.09	5.54	68.74	3.89	0.47
488	Welcome State Bank*	Welcome, MN	26,456	12.12	12.95	1.30	18.07	8.63	59.24	4.26	0.15
489	Peoples Trust and Savings Bank	Riverside, IA	29,362	12.11	13.88	1.11	31.86	46.30	52.02	3.71	0.00
490	First National Bank*	Malden, MO	186,642	12.11	10.91	0.94	16.04	6.38	61.27	3.88	0.13
491	Iowa State Bank	Hull, IA	511,889	12.10	11.01	1.35	50.76	33.53	46.37	3.82	0.55
492	American Exchange Bank, Lindsay, Oklahoma	Lindsay, OK	57,808	12.10	7.06	0.77	-28.93	21.08	74.12	3.82	0.00
493	First Security Bank-Hendricks*	Hendricks, MN	23,830	12.09	14.25	1.62	36.08	9.70	46.94	3.97	0.18
494	State Bank of Wynnewood*	Wynnewood, OK	82,110	12.07	10.09	1.40	4.46	-0.67	54.86	4.34	0.71
495	First Bank and Trust Co.*	Cozad, NE	268,719	12.07	11.52	1.33	1.67	10.60	49.91	4.12	1.07
496	Town & Country Bank	Ravenna, NE	163,706	12.06	12.21	1.19	13.02	8.72	49.54	3.67	0.57
497	Century Bank	Shenandoah, IA	86,105	12.06	11.35	1.03	-7.30	9.45	55.62	3.59	0.00
498	Merchants Bancshares, Inc.	South Burlington, VT	1,723,484	12.06	9.84	0.73	-19.87	0.94	72.15	3.11	0.05
499	Murphy Bank*	Fresno, CA	189,195	12.06	12.68	1.62	10.54	29.64	47.25	5.61	0.56
500	Premier Bank	Maplewood, MN	597,358	12.05	18.37	1.90	99.43	13.79	43.31	3.99	6.50

Don't see your bank? For American Banker subscribers only, an Excel sheet with the full ranking of all 5,000 institutions in this size range is available by request through May 29. Send an email to

bonnie.mcgeer@sourcemedia.com

. (Please note that the request needs to come from the email address that is affiliated with your AB subscription.)

Note: Financial data is based on regulatory financials. Institutions are ranked based on three-year average ROAE from 2012 to 2014. In the event of a tie of the three-year average ROAE, the 2014 year-end ROAE was used as a tie-breaker. In the event of subsequent ties, the 2013 year-end ROAE was used as a final tie-breaker. Data as of the year ended 12/31/14, unless otherwise indicated. Growth calculations are year-over-year, 2013 vs. 2014.

Top consolidated bank holding companies, banks, and thrifts with total assets of less than $2 billion as of 12/31/14. Excludes industrial banks, nondepository trusts, foreign-owned banks, and bankers' banks. Institutions with credit cards to total loans of more than 25%, loans to total assets of less than 20%, loans to total deposits of less than 20%, leverage ratio of less than 5%, Tier 1 risk-based capital ratio of less than 6%, or total risk-based capital ratio of less than 10% as of 12/31/14 were excluded. Also excludes institutions that did not report data for any year between 2012 and 2014, or institutions that received a tax benefit of greater than 10% of net income for any year between 2012 and 2014.

An institution was denoted as an S corporation if it operated as a subchapter S corporation for at least one quarter between 2012 and 2014. Profitability ratios (ROAE, ROAA) were adjusted for S corporations using an assumed tax rate. * Denotes subchapter S Corp.

Institution was acquired or mergered between Jan. 1, 2015, and March 23, 2015.

Source:

Capital Performance Group

analysis of data provided by SNL Financial