U.S. Bank Holding Companies with Highest 5-Year Return on Equity

April 22, 2004, 10:08 a.m. EDT 1 Min Read

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U.S. Bank Holding Companies with Highest 5-Year Return on Equity
As of yearend 2003 Published April 22, 2004
		Return on average equity
		5-year	3-year	1-year
1	United National Corp. Sioux Falls,, S.D.	76.25%	65.01%	28.81%
2	Amboy Bancorp Old Bridge, N.J.	41.04	42.97	39.95
3	Pueblo Bancorp Pueblo, Colo.	38.54	36.11	40.34
4	Marine Bancorp Inc. Springfield, Ill.	37.23	35.97	36.62
5	First National Bank Group Edinburg, Tex.	36.6	41.6	35.13
6	Woodforest Financial Group Inc. The Woodlands, Tex.	35.9	33.55	31.53
7	Crescent Banking Co. Jasper, Ga.	35.3	44.77	38.36
8	CB&T Corp. New Orleans	35.26	34.11	34.25
9	United Bancorp of Wyoming Jackson	34.3	31.59	28.61
10	Fidelity Bancshares Inc. Edina, Minn.	34.29	39	37.22
11	SBC Inc. Countryside, Ill.	33.07	31.63	28.89
12	City National Bancshares Miami	32.68	32.48	29.9
13	Lakeside Bancorp Inc. Chicago	32.45	33.97	32.91
14	Inwood Bancshares Inc. Dallas	32.38	28.46	26.01
15	First Community Bancshares Inc. Houston	32.04	36.75	33.13
16	Vermillion Bancshares Inc. Minn.	32.02	33.31	31.71
17	FirstBank Holding Co. Lakewood, Colo.	31.55	32.01	25.02
18	Charter 95 Corp. St. Paul	29.87	33.9	32.32
19	Western Bancshares Inc. St. Paul	28.61	29.26	27.55
20	American National Corp. Omaha	28.21	27.23	24.5
21	Mesaba Bancshares Inc. Grand Rapids, Minn.	28.2	27.59	31.63
22	Heartland Bancorp Inc. Bloomington, Ill.	28.05	30.86	32.97
23	Doral Financial Corp. San Juan, Puerto Rico	27.2	28.61	25.13
24	MBNA Corp. Wilmington, Del.	26.92	25.25	23.51
25	Republic Financial Corp. Wichita	26.9	26.29	24.32
26	Smithtown Bancorp Inc. Smithtown, N.Y.	26.87	27.66	24.74
27	North Fork Bancorp. Melville, N.Y.	26.8	27.11	26.31
28	Commerce Financial Corp. Topeka, Kan.	26.63	31.2	27.46
29	Citizens Bankshares Inc. Farmington, N.M.	26.57	31.38	26.46
30	Citywide Banks of Colorado Aurora	26.56	28.37	28.37
31	FCT Bancshares Inc. Waco, Tex.	26.55	26.48	22.39
32	INB Financial Corp. McAllen, Tex.	25.88	24.44	24.03
33	Cascade Bancorp Bend, Ore.	25.85	26.64	24.7
34	Community Bancshares Marysville, Kan.	25.83	24.94	21.82
35	Carlsbad Bancorp Inc. N.M.	25.75	26.27	23.73
36	Stearns Financial Services St. Cloud, Minn.	25.68	25.57	27.94
37	Homestar Financial Group Inc. Manteno, Ill.	25.61	27.53	41.6
38	WestAmerica Bancorp. San Rafael, Calif.	25.32	27.27	27.53
39	F.N.B.C. of La Grange Inc. Ill.	25.29	25.05	23.37
40	Arkansas National Bancshares Bentonville	25.25	28.25	34.81
41	Orion Bancorp Inc. Naples, Fla.	24.98	26.53	24.8
42	FBOP Corp. Oak Park, Ill.	24.92	24.45	18.89
43	Manhattan Banking Corp. Manhattan, Kan.	24.8	24.08	23.62
44	Pulaski Investment Corp. Little Rock	24.5	28.19	22.73
45	United Community Bancorp Chatham, Ill.	24.49	26.08	21.01
46	Mellon Financial Corp. Pittsburgh	24.41	24.93	19.77
47	New York Community Bancorp Inc. Westbury	24.34	25.05	19.81
48	First Tennessee National Corp. Memphis	24.11	25.99	26.33
49	Oriental Financial Group Inc. San Juan, Puerto Rico	23.98	28.36	27.58
50	Wood & Huston Bancorp. Marshall, Mo.	23.98	23.74	21.82
51	Marquette Financial Cos. Minneapolis	23.96	27.39	8.17
52	Great Southern Bancorp Inc. Springfield, Mo.	23.93	24.67	20.57
53	Bridge Bancorp Inc. Bridgehampton, N.Y.	23.92	24.55	22.85
54	Community Bancshares Inc. Neosho, Mo.	23.78	23.94	19.97
55	Humboldt Bancorp Roseville, Calif.	23.75	25.74	31.63
56	Community Bankers Inc. Granbury, Tex.	23.68	24.32	23.98
57	Hardeman County Invest Co. Bolivar, Tenn.	23.58	20.92	21.41
58	Bankfirst Corp. Inc. Sioux Falls, S.D.	23.53	15.4	25.26
59	Kleberg & Co. Bankers Kingsville, Tex.	23.48	24.61	25.32
60	Greater Chicago Financial Co.	23.42	25.59	21.15
61	Amador Bancshares Inc. Las Cruces, N.M.	23.33	24.53	25.82
62	Franklin Financial Corp. Tenn.	23.25	24.71	18.34
63	Durant Bancorp Okla.	23.22	22.36	24.91
64	WNB Bancshares Inc. Odessa, Tex.	23.09	24.23	23.57
65	Guaranty Development Co. Livingston, Mont.	22.99	22.93	20.13
66	TCF Financial Corp. Wayzata, Minn.	22.81	24.02	22.71
67	Ambank Co. Inc. Sioux Center, Iowa	22.78	23.34	21.82
68	Legacy Texas Group Inc. Plano	22.76	18.79	12.11
69	Highland Bancshares Inc. Bloomington, Minn.	22.75	22.08	19.85
70	Lincolnwood Bancorp Inc. Ill.	22.63	20	18.63
71	Walker Ban Co. Minn.	22.59	25.42	25.13
72	Security National Corp. Omaha	22.47	22.76	24.57
73	National City Corp. Cleveland	22.34	22.71	23.83
74	New Lenox Holding Co. Ill.	22.22	22.85	22.91
75	CVB Financial Corp. Ontario, Calif.	22.14	21.53	19.39
76	Greater Bay Bancorp Palo Alto, Calif.	22.07	20.35	12.90
77	West Bancorp. Inc. West Des Moines, Iowa	22.04	21.05	19.34
78	Cherokee Bancshares Inc. St. Paul	22.03	20.95	16.72
79	Coastal Bancshares Inc. Pearland, Tex.	21.97	22.69	19.12
80	Northern Empire Bancshares Santa Rosa, Calif.	21.95	21.19	18.87
81	Bank of New York Co. Inc.	21.95	17.54	15.1
82	American State BHC Williston, N.D.	21.93	22.07	22.49
83	Quail Creek Bancshares Inc. Oklahoma City	21.91	22.14	26.26
84	UCBH Holdings Inc. San Francisco	21.91	22.42	18.89
85	Fidelity Financial Corp. of Michigan Birmingham	21.87	20.58	18.96
86	Heritage Group Inc. Aurora, Neb.	21.82	24.01	19.14
87	Hudson United Bancorp Mahwah, N.J.	21.75	26.86	26.24
88	First Southwest Bancorp Bismarck, N.D.	21.71	23	24.31
89	S. Y. Bancorp Inc. Louisville	21.71	21.4	18.97
90	CNB Bancshares Inc. Sevierville, Tenn.	21.51	21.44	17.69
91	First Artesia Bancshares N.M.	21.49	24.38	26.06
92	Irwin Financial Corp. Columbus, Ind.	21.47	21.14	18.54
93	West Plains Bancshares Inc. Mo.	21.46	21.46	19.81
94	Valley National Bancorp Wayne, N.J.	21.42	22.34	24.14
95	Paducah Bank Shares Inc. Ky.	21.37	24.44	27.98
96	Fifth Third Bancorp Cincinnati	21.36	21.23	20.13
97	Citigroup Inc. New York	21.33	19.83	19.38
98	Sulphur Springs Bancshares Tex.	21.29	18	17.85
99	Commerce Bancorp Inc. Cherry Hill, N.J.	21.27	21.18	18.01
100	Investors Financial Services Boston	21.25	20.84	18.82
101	Palos Bancshares Inc. Palos Heights, Ill.	21.24	21.87	19.45
102	State Street Corp. Boston	21.17	19.87	13.93
103	Pacific Capital Bancorp Santa Barbara, Calif.	21.11	20.58	19.21
104	Guaranty Capital Corp. Belzoni, Miss.	21.07	18.59	15.73
105	Resource Bankshares Corp. Virginia Beach	21.07	25.22	22.98
106	Olney Bancshares of Texas Olney	21.03	16.56	17.01
107	Riverside Banking Co. Fort Pierce, Fla.	21.03	22.12	19.02
108	Bank of the Ozarks Inc. Little Rock	21.02	23.79	23.52
109	Redwood Empire Bancorp Santa Rosa, Calif.	21	26.05	26.83
110	Synovus Financial Corp. Columbus, Ga.	20.95	20.75	18.04
111	Fremont Bancorp Calif.	20.92	25.1	27.49
112	Amarillo National Bancorp Tex.	20.87	19.96	17.08
113	Raton Capital Corp. N.M.	20.81	18.16	13.02
114	International Bancshares Corp. Laredo, Tex.	20.8	21.39	22.09
115	Suffolk Bancorp Riverhead, N.Y.	20.74	21.34	21.13
116	Ida Grove Bancshares Inc. Iowa	20.69	21.38	21.5
117	Nodaway Valley Bancshares Maryville, Mo.	20.61	20.46	17.01
118	Independent Bank Corp. Ionia, Mich.	20.56	22.73	24.93
119	Stockman Financial Corp. Miles City, Mont.	20.51	20.09	21.37
120	C&F Financial Corp. West Point, Va.	20.49	21.81	21.3
121	Southeast Bancshares Inc. Chanute, Kan.	20.48	20.91	19.75
122	Albany Bancshares Inc. Tex.	20.47	20.96	20.52
123	Stockmens Bancorp Kingman, Ariz.	20.45	21.34	19.93
124	First Bancorp Inc. Lebanon, Va.	20.44	20.06	19.11
125	Midwest Banc Holdings Inc. Melrose Park, Ill.	20.43	21.4	15.68
126	Sky Financial Group Inc. Bowling Green, Ohio	20.32	19.41	17.32
127	U.S. Bancorp Minneapolis	20.25	19.47	19.64
128	First York Ban Corp. Neb.	20.21	21.27	16.35
129	Guaranty Corp. Denver	20.18	17.64	14.42
130	Heritage Community Bancorp Riverdale, Ill.	20.16	18.74	18.26
131	Wilmington Trust Corp. Wilmington, Del.	20.15	19.43	17.4
132	NBM Corp. McAlester, Okla.	20.15	25.24	23.02
133	Pelican Financial Inc. Ann Arbor, Mich.	20.14	23.42	23.41
134	Main Street Banks Inc. Kennesaw, Ga.	20.11	18.78	15.73
135	Alpine Banks of Colorado Glenwood Springs	20.08	19.99	19.31
136	East West Bancorp Inc. San Marino, Calif.	20.08	19.84	17.93
137	First Citizens Bancorp Cleveland, Tenn.	20.07	23.21	24.2
138	Southside Bancshares Inc. Tyler, Tex.	20.02	19.59	15.42
139	Salin Bancshares Inc. Indianapolis	19.92	20.58	16.43
140	Centrabanc Corp. Waco, Tex.	19.86	19.76	19.81
141	Henry County Bancshares Inc. Stockbridge, Ga.	19.81	18.47	15.79
142	Sun Financial Corp. St. Peters, Mo.	19.81	20.09	18.64
143	FNBC Bancorp Inc. Ash Flat, Ark.	19.79	23.08	22.72
144	Community First Bankshares Fargo, N.D.	19.63	20.09	20.1
145	Lone Star National Bancshares Pharr, Tex.	19.62	19.81	18.75
146	Charter One Financial Inc. Cleveland	19.59	20.14	19.48
147	Carbon County Holding Co. Rawlins, Wyo.	19.53	20.09	18.15
148	Waupaca Bancorp. Inc. Wis.	19.53	19.04	16.58
149	Prosperity Bancshares Inc. Houston	19.5	19.88	15.25
150	Hudson Valley Holding Corp. Yonkers, N.Y.	19.49	18.98	17.24

Data for bank holding companies based on Y-9 filings. Foreign holding companies were excluded.
Source: Sheshunoff Information Services, a division of Thomson Corp.
© 2004 American Banker