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Compensation Banks, thrifts and holding companies

U.S. Bank Holding Companies with the Highest Multiples of Net Income to Salary and Benefits

February 26, 2018, 3:12 p.m. EST 1 Min Read

Year to date through Sep. 30, 2017. Dollars in thousands.

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U.S. Bank Holding Companies with the Highest Multiples of Net Income to Salary and Benefits
Rank Company City State Multiple Net income (loss) Salary and benefits Return on average assets
1 Beal Financial Corporation Plano Tex. 4.35 $77,146 $17,755 4.34
2 Briscoe Ranch, Inc. Uvalde Tex. 3.61 7,647 2,116 1.78
3 First Community Holdings Santa Rosa Calif. 3.10 7,775 2,510 2.13
4 Inwood Bancshares, Inc. Dallas Tex. 2.42 12,551 5,188 2.03
5 Lauritzen Corporation Omaha Neb. 2.25 20,587 9,134 6.50
6 Olney Bancshares of Texas, Inc. Olney Tex. 2.18 19,239 8,836 2.38
7 Fifth Third Bancorp Cincinnati Ohio 2.07 1,013,973 490,191 2.89
8 Luther Burbank Corporation Santa Rosa Calif. 2.06 17,747 8,597 1.23
9 ServisFirst Bancshares, Inc. Birmingham Ala. 2.03 25,259 12,428 1.56
10 Sterling Bancorp, Inc. Southfield Mich. 1.99 12,050 6,056 1.87
11 Merchants Bancorp Carmel Ind. 1.97 10,465 5,306 1.32
12 United National Corporation Sioux Falls S.D. 1.91 82,599 43,205 12.10
13 Capitol Federal Financial, Inc. Topeka Kan. 1.89 20,602 10,888 0.74
14 Oritani Financial Corp. Township of Washington N.J. 1.89 11,993 6,345 1.16
15 Silver Queen Financial Services, Inc. Greenwood Village Colo. 1.84 3,775 2,047 0.84
16 Lakeside Bancorp, Inc. Chicago Ill. 1.80 7,950 4,412 2.05
17 John Deere Capital Corporation Reno Nev. 1.78 103,172 57,906 1.17
18 NexBank Capital, Inc. Dallas Tex. 1.78 14,736 8,278 0.80
19 Eagle Bancorp, Inc. Bethesda Md. 1.77 29,874 16,905 1.68
20 Cathay General Bancorp Los Angeles Calif. 1.75 49,746 28,385 1.30
21 Stearns Financial Services, Inc. Saint Cloud Minn. 1.68 14,078 8,358 2.71
22 East West Bancorp, Inc. Pasadena Calif. 1.66 132,660 79,790 1.48
23 Washington Federal, Inc. Seattle Wash. 1.66 46,104 27,741 1.22
24 First-West Texas Bancshares, Inc. Midland Tex. 1.62 4,670 2,877 1.53
25 Discover Financial Services Riverwoods Ill. 1.60 602,656 377,432 2.50
26 RBB Bancorp Los Angeles Calif. 1.58 6,611 4,178 1.66
27 First National Bancshares, Inc. East Lansing Mich. 1.58 8,764 5,541 2.66
28 Lakeland Financial Corporation Warsaw Ind. 1.58 15,825 10,039 1.42
29 PacWest Bancorp Beverly Hills Calif. 1.58 101,466 64,413 1.84
30 FCB Financial Holdings, Inc. Weston Fla. 1.57 32,160 20,441 1.29
31 Western Alliance Bancorporation Phoenix Ariz. 1.57 82,858 52,730 1.71
32 Traditional Bancorporation, Inc. Mount Sterling Ky. 1.57 6,083 3,877 1.76
33 CIT Group Inc. New York N.Y. 1.55 219,643 141,646 1.74
34 WestStar Bank Holding Company, Inc. El Paso Tex. 1.54 10,171 6,586 2.44
35 Northern Bancorp, Inc. Woburn Mass. 1.49 7,205 4,831 1.50
36 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 1.47 13,077 8,872 1.11
37 BofI Holding, Inc. San Diego Calif. 1.47 32,383 22,040 1.54
38 Dime Community Bancshares, Inc. Brooklyn N.Y. 1.46 13,313 9,101 0.85
39 Industry Bancshares, Inc. Industry Tex. 1.46 11,887 8,164 1.26
40 West Bancorporation, Inc. West Des Moines Iowa 1.45 6,405 4,430 1.30
41 Villages Bancorporation, Inc. The Villages Fla. 1.44 6,768 4,706 1.32
42 Crews Banking Corporation Wauchula Fla. 1.43 8,013 5,592 2.24
43 Prosperity Bancshares, Inc. Houston Tex. 1.42 67,908 47,866 1.22
44 Amarillo National Bancorp, Inc. Amarillo Tex. 1.41 20,308 14,422 2.09
45 Synchrony Financial Stamford Conn. 1.40 555,021 396,502 2.44
46 Cache Valley Banking Company Logan Utah 1.40 6,320 4,521 2.43
47 Ida Grove Bancshares, Inc. Ida Grove Iowa 1.36 6,179 4,542 1.72
48 Stockman Financial Corporation Miles City Mont. 1.35 17,313 12,871 2.07
49 Ambank Company, Inc. Sioux Center Iowa 1.34 5,240 3,907 1.87
50 CVB Financial Corp. Ontario Calif. 1.34 29,683 22,155 1.43
51 Sterling Bancorp Montebello N.Y. 1.32 44,852 33,920 1.14
52 Pinnacle Bancorp, Inc. Omaha Neb. 1.32 45,062 34,128 1.76
53 Hometown Community Bancorp, Inc. Morton Ill. 1.32 12,280 9,316 1.47
54 BT Holdings, Inc. Quitman Tex. 1.28 3,652 2,856 0.97
55 Bridgewater Bancshares, Inc. Bloomington Minn. 1.27 4,677 3,685 1.22
56 Choice Financial Holdings, Inc. Fargo N.D. 1.24 7,280 5,881 2.49
57 First Security Bancorp Searcy Ark. 1.22 25,762 21,055 1.91
58 Hope Bancorp, Inc. Los Angeles Calif. 1.22 44,564 36,458 1.30
59 Magnolia Banking Corporation Magnolia Ark. 1.22 5,393 4,418 1.55
60 Parkway Bancorp, Inc. Harwood Heights Ill. 1.22 5,692 4,681 0.94
61 TrustCo Bank Corp NY Glenville N.Y. 1.22 12,596 10,360 1.03
62 First Financial Bankshares, Inc. Abilene Tex. 1.21 29,374 24,249 1.68
63 Great Western Bancorp, Inc. Sioux Falls S.D. 1.21 37,661 31,184 1.32
64 New York Community Bancorp, Inc. Westbury N.Y. 1.21 110,467 91,594 0.91
65 LegacyTexas Financial Group, Inc. Plano Tex. 1.20 28,709 23,859 1.29
66 1867 Western Financial Corporation Stockton Calif. 1.20 12,040 10,012 1.77
67 Hometown Banc Corp Grand Island Neb. 1.19 4,661 3,903 1.50
68 AFNB Holdings, Inc. Houston Tex. 1.19 4,775 4,021 1.30
69 Heartland Bancorp, Inc. Bloomington Ill. 1.18 14,884 12,572 2.00
70 First of Long Island Corporation Glen Head N.Y. 1.18 9,342 7,919 1.00
71 International Bancshares Corporation Laredo Tex. 1.17 39,628 33,786 1.31
72 Westamerica Bancorporation San Rafael Calif. 1.17 15,017 12,816 1.10
73 Bankwell Financial Group, Inc. New Canaan Conn. 1.17 4,262 3,640 0.96
74 First Bancorp, Inc. Damariscotta Maine 1.17 4,982 4,258 1.10
75 BankUnited, Inc. Miami Lakes Fla. 1.17 67,779 58,149 0.93
76 First Citizens Financial Corp. Mason City Iowa 1.16 4,915 4,225 1.62
77 Republic Bancorp Co. Oak Brook Ill. 1.16 8,400 7,264 1.81
78 First Paragould Bankshares, Inc. Paragould Ark. 1.15 3,897 3,390 1.20
79 Plains Bancorp, Inc. Dimmitt Tex. 1.13 5,109 4,533 1.66
80 Texas Independent Bancshares, Inc. Texas City Tex. 1.12 3,922 3,502 1.53
81 S&T Bancorp, Inc. Indiana Pa. 1.12 22,721 20,326 1.29
82 Blackhawk Bancorporation, Inc. Milan Ill. 1.12 3,520 3,152 1.11
83 NEB Corporation Fond du Lac Wis. 1.11 6,513 5,893 1.34
84 Starion Bancorporation Bismarck N.D. 1.10 5,118 4,658 1.62
85 Ironhorse Financial Group, Inc. Muskogee Okla. 1.09 8,487 7,751 2.37
86 Louisiana Community Bancorp, Inc. Houma La. 1.09 5,401 4,940 1.86
87 Manhattan Banking Corporation Manhattan Kan. 1.08 6,599 6,083 1.54
88 National Bankshares, Inc. Blacksburg Va. 1.08 3,785 3,496 1.23
89 United Bank Corporation Barnesville Ga. 1.08 6,505 6,010 2.00
90 City Holding Company Cross Lanes W.Va. 1.08 13,930 12,899 1.37
91 FirstBank Holding Company Lakewood Colo. 1.07 55,988 52,211 1.30
92 American Express Company New York N.Y. 1.07 1,355,000 1,265,000 3.23
93 Bank First National Corporation Manitowoc Wis. 1.07 3,831 3,577 1.09
94 Ally Financial Inc. Detroit Mich. 1.07 282,000 264,000 0.69
95 Enterprise Financial Services Corp Clayton Mo. 1.07 16,315 15,277 1.28
96 Independence Bancshares, Inc. Owensboro Ky. 1.07 7,656 7,181 1.41
97 Hills Bancorporation Hills Iowa 1.07 8,552 8,029 1.24
98 E*TRADE Financial Corporation New York N.Y. 1.06 146,847 138,729 0.98
99 United Bankshares, Inc. Charleston W.Va. 1.05 56,738 53,887 1.20
100 Sterling Bancshares, Inc. Poplar Bluff Mo. 1.04 2,684 2,576 0.81
101 215 Holding Company Minneapolis Minn. 1.03 3,232 3,129 1.83
102 First Artesia Bancshares, Inc. Artesia N.M. 1.03 5,004 4,874 1.84
103 Columbia Banking System, Inc. Tacoma Wash. 1.02 40,769 39,932 1.68
104 American National Corporation Omaha Neb. 1.01 13,015 12,877 1.51
105 Southside Bancshares, Inc. Tyler Tex. 1.01 14,511 14,395 1.04
106 Meridian Bancorp, Inc. Peabody Mass. 1.01 13,333 13,252 1.10
107 Comerica Incorporated Dallas Tex. 1.00 225,385 224,801 1.26
108 Pinnacle Financial Partners, Inc. Nashville Tenn. 1.00 64,441 64,354 1.22
109 Southern BancShares (N.C.), Inc. Mount Olive N.C. 0.99 9,917 10,014 1.57
110 Franklin Financial Network, Inc. Franklin Tenn. 0.99 8,889 9,011 1.04
111 Sturm Financial Group, Inc. Denver Colo. 0.98 9,223 9,402 1.45
112 CBX Corporation Carrollton Ill. 0.98 5,304 5,421 1.36
113 Community Trust Bancorp, Inc. Pikeville Ky. 0.98 13,763 14,079 1.34
114 SVB Financial Group Santa Clara Calif. 0.97 148,620 152,645 1.19
115 Ames National Corporation Ames Iowa 0.97 3,929 4,039 1.16
116 Provident Financial Services, Inc. Iselin N.J. 0.97 26,575 27,328 1.12
117 First Fidelity Bancorp, Inc. Oklahoma City Okla. 0.97 5,759 5,927 1.50
118 Timberland Bancorp, Inc. Hoquiam Wash. 0.97 3,615 3,732 1.55
119 Citizens National Banc Corp. Meridian Miss. 0.96 5,334 5,540 1.57
120 Arbor Bancorp, Inc. Ann Arbor Mich. 0.96 5,816 6,070 1.52
121 First Internet Bancorp Fishers Ind. 0.95 4,895 5,138 0.78
122 Apple Financial Holdings, Inc. New York N.Y. 0.95 17,125 17,986 0.53
123 Watford City Bancshares, Inc. Watford City N.D. 0.95 10,452 10,986 1.74
124 First York Ban Corp. York Neb. 0.95 6,276 6,600 1.58
125 Heritage Commerce Corp San Jose Calif. 0.95 8,583 9,071 1.21
126 F.N.B. Corporation Pittsburgh Pa. 0.94 77,693 82,383 1.01
127 Pacific Premier Bancorp, Inc. Irvine Calif. 0.94 20,232 21,502 1.26
128 Charles Schwab Corporation San Francisco Calif. 0.94 618,000 659,000 1.12
129 First Bancorp, Inc. Lebanon Va. 0.93 5,846 6,255 1.44
130 Midland Bancshares, Inc. Midland Tex. 0.93 3,616 3,880 1.28
131 Carolina Financial Corporation Charleston S.C. 0.93 7,993 8,623 1.44
132 1st Summit Bancorp of Johnstown, Inc. Johnstown Pa. 0.92 2,681 2,922 1.06
133 Camden National Corporation Camden Maine 0.92 11,339 12,359 1.12
134 Norwood Financial Corp. Honesdale Pa. 0.92 2,941 3,209 1.04
135 Independent Bank Group, Inc. McKinney Tex. 0.92 23,514 25,684 1.08
136 Green Bancorp, Inc. Houston Tex. 0.91 11,407 12,486 1.10
137 Lakeland Bancorp, Inc. Oak Ridge N.J. 0.91 13,723 15,100 1.04
138 U.S. Bancorp Minneapolis Minn. 0.91 1,563,000 1,721,000 1.39
139 Valley View Bancshares, Inc. Overland Park Kan. 0.90 8,096 8,977 1.04
140 Summit Financial Group, Inc. Moorefield W.Va. 0.90 5,930 6,610 1.14
141 Bar Harbor Bankshares Bar Harbor Maine 0.90 8,619 9,618 1.00
142 Synovus Financial Corp. Columbus Ga. 0.89 98,007 109,675 1.28
143 Midland Financial Co. Oklahoma City Okla. 0.89 51,984 58,208 1.31
144 M&T Bank Corporation Buffalo N.Y. 0.89 355,923 399,089 1.19
145 Cullen/Frost Bankers, Inc. San Antonio Tex. 0.89 93,131 104,433 1.23
146 Glacier Bancorp, Inc. Kalispell Mont. 0.89 36,479 40,970 1.47
147 Hawaiian Electric Industries, Inc. Honolulu Hawaii 0.89 60,073 67,511 1.89
148 H Bancorp LLC Irvine Calif. 0.89 3,730 4,192 1.42
149 First Bank Corp Fort Smith Ark. 0.89 6,791 7,638 1.59
150 OceanFirst Financial Corp. Toms River N.J. 0.89 12,819 14,428 0.96
151 Stock Yards Bancorp, Inc. Louisville Ky. 0.89 11,704 13,181 1.55
152 United Community Bancorp, Inc. Chatham Ill. 0.88 7,488 8,469 1.21
153 Moody Bancshares, Inc. Galveston Tex. 0.88 3,406 3,865 1.34
154 River Valley Bancorporation, Inc. Wausau Wis. 0.88 4,731 5,393 1.52
155 Unity Bancorp, Inc. Clinton N.J. 0.88 3,757 4,284 1.18
156 Veritex Holdings, Inc. Dallas Tex. 0.88 5,182 5,921 0.94
157 BSB Bancorp, Inc. Belmont Mass. 0.87 4,600 5,262 0.76
158 Bank of Hawaii Corporation Honolulu Hawaii 0.87 45,881 52,493 1.08
159 PNC Financial Services Group, Inc. Pittsburgh Pa. 0.87 1,114,787 1,276,864 1.20
160 Northeast Bancorp Lewiston Maine 0.87 4,586 5,254 1.72
161 Texas Capital Bancshares, Inc. Dallas Tex. 0.87 58,684 67,816 1.00
162 JPMorgan Chase & Co. New York N.Y. 0.86 6,732,000 7,787,000 1.05
163 CapStar Financial Holdings, Inc. Nashville Tenn. 0.86 4,418 5,118 1.29
164 Citizens Financial Services, Inc. Mansfield Pa. 0.86 3,650 4,237 1.16
165 Guaranty Bancorp Denver Colo. 0.86 10,054 11,705 1.17
166 Heartland BancCorp Gahanna Ohio 0.86 2,752 3,204 1.28
167 CBB Bancorp, Inc. Los Angeles Calif. 0.86 11,037 12,905 4.34
168 United Community Financial Corp. Youngstown Ohio 0.85 7,556 8,855 1.17
169 Auburn National Bancorporation, Inc. Auburn Ala. 0.85 2,136 2,516 1.02
170 Northfield Bancorp, Inc. Woodbridge N.J. 0.85 8,125 9,594 0.83
171 Pacific City Financial Corporation Los Angeles Calif. 0.84 4,806 5,702 1.39
172 CBTX, Inc. Beaumont Tex. 0.84 10,047 11,925 1.35
173 Cadence Bancorp, LLC Houston Tex. 0.84 29,115 34,622 1.16
174 First Community Bancshares, Inc. Bluefield Va. 0.84 7,651 9,123 1.30
175 Hanmi Financial Corporation Los Angeles Calif. 0.84 14,922 17,815 1.19
176 Broadway Bancshares, Inc. San Antonio Tex. 0.84 12,326 14,760 1.15
177 German American Bancorp, Inc. Jasper Ind. 0.83 9,660 11,570 1.28
178 County Bancorp, Inc. Manitowoc Wis. 0.83 3,604 4,333 1.11
179 Amboy Bancorporation Old Bridge N.J. 0.83 4,474 5,383 0.72
180 Klein Financial, Inc. Chaska Minn. 0.83 7,326 8,820 1.50
181 Reliance Bancshares, Inc. Frontenac Mo. 0.83 2,749 3,312 0.80
182 Territorial Bancorp Inc. Honolulu Hawaii 0.83 4,174 5,039 0.86
183 Falcon Bancshares Incorporated Laredo Tex. 0.83 3,511 4,251 1.24
184 Nicolet Bankshares, Inc. Green Bay Wis. 0.83 9,511 11,521 1.35
185 Peoples Financial Services Corp. Scranton Pa. 0.82 5,350 6,494 1.04
186 INTRUST Financial Corporation Wichita Kan. 0.82 15,176 18,438 1.22
187 Sandy Spring Bancorp, Inc. Olney Md. 0.82 15,089 18,441 1.14
188 West Suburban Bancorp, Inc. Lombard Ill. 0.82 5,461 6,688 0.95
189 Longview Financial Corporation Longview Tex. 0.82 6,864 8,411 1.16
190 Citizens Bancorp Investment, Inc. Lafayette Tenn. 0.81 2,598 3,188 1.16
191 Leader Bancorp Inc. Arlington Mass. 0.81 4,597 5,643 1.54
192 First Farmers Financial Corporation Converse Ind. 0.81 5,003 6,158 1.23
193 Independent Bank Corp. Rockland Mass. 0.81 23,853 29,375 1.19
194 Southern Missouri Bancorp, Inc. Poplar Bluff Mo. 0.81 4,863 6,004 1.12
195 CNB Financial Corporation Clearfield Pa. 0.81 7,246 8,948 1.06
196 WesBanco, Inc. Wheeling W.Va. 0.81 26,356 32,686 1.06
197 Alpine Banks of Colorado Glenwood Springs Colo. 0.81 11,276 13,997 1.35
198 Bridge Bancorp, Inc. Bridgehampton N.Y. 0.80 9,443 11,766 0.89
199 Investors Bancorp, Inc. Short Hills N.J. 0.80 45,845 57,134 0.75
200 Arrow Financial Corporation Glens Falls N.Y. 0.80 7,416 9,251 1.09

Note: Only domestic holding companies that file Y-9C reports are included. Based on Y-9C filings by top tier bank holding companies with the Federal Reserve.
Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of Feb. 16, 2018.
© 2017 American Banker
Source: Financial Information Systems LLC (

www.FEDFIS.com
)

Compensation Banks, thrifts and holding companies