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

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Year to date through Dec. 31, 2018. 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. 3.24 $188,219 $58,021 7,429,465.00
2 NexBank Capital, Inc. Dallas Tex. 2.94 109,636 37,235 8,325,752.00
3 Lauritzen Corporation Omaha Neb. 2.80 113,216 40,379 1,357,692.00
4 ServisFirst Bancshares, Inc. Birmingham Ala. 2.64 136,940 51,849 8,007,382.00
5 Olney Bancshares of Texas, Inc. Olney Tex. 2.53 91,692 36,178 3,564,274.00
6 Sterling Bancorp, Inc. Southfield Mich. 2.29 63,468 27,737 3,198,519.00
7 Eagle Bancorp, Inc. Bethesda Md. 2.25 152,276 67,734 8,389,137.00
8 Cathay General Bancorp Los Angeles Calif. 2.18 271,885 124,899 16,784,737.00
9 Home BancShares, Inc. Conway Ark. 2.09 300,403 143,545 15,302,438.00
10 United National Corporation Sioux Falls S.D. 2.04 372,314 182,936 2,984,913.00
11 First-West Texas Bancshares, Inc. Midland Tex. 2.03 26,063 12,820 1,431,414.00
12 Oritani Financial Corp. Township of Washington N.J. 2.03 53,755 26,482 4,090,463.00
13 Inwood Bancshares, Inc. Dallas Tex. 2.03 50,857 25,110 2,823,757.00
14 John Deere Capital Corporation Reno Nev. 2.02 501,562 248,734 36,864,139.00
15 Merchants Bancorp Carmel Ind. 1.97 62,874 31,981 3,884,163.00
16 Sterling Bancorp Montebello N.Y. 1.95 447,254 228,895 31,395,303.00
17 Capitol Federal Financial, Inc. Topeka Kan. 1.89 91,474 48,280 9,320,043.00
18 Lakeland Financial Corporation Warsaw Ind. 1.88 80,398 42,744 4,877,186.00
19 East West Bancorp, Inc. Pasadena Calif. 1.85 703,701 380,754 41,042,356.00
20 Western Alliance Bancorporation Phoenix Ariz. 1.72 435,788 253,238 23,109,486.00
21 Synchrony Financial Stamford Conn. 1.71 2,789,000 1,633,000 106,792,000.00
22 E*TRADE Financial Corporation New York N.Y. 1.70 1,051,970 617,743 65,003,334.00
23 Discover Financial Services Riverwoods Ill. 1.66 2,741,742 1,650,954 109,552,902.00
24 PacWest Bancorp Beverly Hills Calif. 1.65 465,339 282,568 25,731,354.00
25 Washington Federal, Inc. Seattle Wash. 1.59 205,122 128,604 16,188,126.00
26 First Hawaiian, Inc. Honolulu Hawaii 1.58 264,394 167,162 20,695,678.00
27 International Bancshares Corporation Laredo Tex. 1.56 215,931 138,533 11,871,953.00
28 LegacyTexas Financial Group, Inc. Plano Tex. 1.56 154,193 98,952 9,058,408.00
29 Prosperity Bancshares, Inc. Houston Tex. 1.55 321,812 207,517 22,700,836.00
30 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 1.52 60,352 39,584 5,462,092.00
31 Silver Queen Financial Services, Inc. Greenwood Village Colo. 1.51 13,411 8,865 1,848,477.00
32 CVB Financial Corp. Ontario Calif. 1.49 152,003 101,697 11,529,153.00
33 Industry Bancshares, Inc. Industry Tex. 1.48 50,020 33,809 4,030,092.00
34 TrustCo Bank Corp NY Glenville N.Y. 1.46 61,445 42,107 4,960,546.00
35 Bridgewater Bancshares, Inc. Bloomington Minn. 1.45 26,920 18,620 1,973,741.00
36 Axos Financial, Inc. San Diego Calif. 1.44 164,047 113,936 9,810,096.00
37 First National Bancshares, Inc. East Lansing Mich. 1.43 36,995 25,894 1,846,161.00
38 First Financial Bankshares, Inc. Abilene Tex. 1.43 150,638 105,542 7,731,854.00
39 S&T Bancorp, Inc. Indiana Pa. 1.38 105,334 76,108 7,252,221.00
40 Amarillo National Bancorp, Inc. Amarillo Tex. 1.37 84,222 61,487 4,371,309.00
41 Enterprise Financial Services Corp Clayton Mo. 1.35 89,217 65,915 5,645,662.00
42 Westamerica Bancorporation San Rafael Calif. 1.35 71,564 53,007 5,580,659.00
43 SVB Financial Group Santa Clara Calif. 1.34 973,840 724,451 57,020,489.00
44 New York Community Bancorp, Inc. Westbury N.Y. 1.33 422,417 317,496 51,899,376.00
45 First Security Bancorp Searcy Ark. 1.33 108,783 81,989 5,412,242.00
46 Pinnacle Financial Partners, Inc. Nashville Tenn. 1.32 359,440 271,673 25,031,044.00
47 American Express Company New York N.Y. 1.32 6,926,000 5,250,000 188,596,000.00
48 Ida Grove Bancshares, Inc. Ida Grove Iowa 1.32 25,642 19,442 1,576,363.00
49 First BanCorp. San Juan P.R. 1.29 201,608 156,469 12,243,561.00
50 City Holding Company Cross Lanes W.Va. 1.29 70,001 54,462 4,897,935.00
51 BankUnited, Inc. Miami Lakes Fla. 1.28 324,866 253,737 32,164,326.00
52 United Bankshares, Inc. Charleston W.Va. 1.28 256,342 200,639 19,250,498.00
53 Stockman Financial Corporation Miles City Mont. 1.28 69,125 54,173 3,663,699.00
54 Great Western Bancorp, Inc. Sioux Falls S.D. 1.27 174,472 136,895 12,573,641.00
55 Veritex Holdings, Inc. Dallas Tex. 1.26 39,341 31,138 3,208,550.00
56 Chemical Financial Corporation Detroit Mich. 1.26 284,020 225,427 21,498,341.00
57 Comerica Incorporated Dallas Tex. 1.22 1,235,145 1,008,887 70,906,003.00
58 First Merchants Corporation Muncie Ind. 1.21 159,139 131,704 9,889,040.00
59 Hope Bancorp, Inc. Los Angeles Calif. 1.21 189,589 157,119 15,308,146.00
60 Hometown Community Bancorp, Inc. Morton Ill. 1.17 54,192 46,336 3,817,478.00
61 Pinnacle Bancorp, Inc. Omaha Neb. 1.17 171,786 147,432 10,970,611.00
62 FirstBank Holding Company Lakewood Colo. 1.16 271,116 233,096 18,578,162.00
63 Luther Burbank Corporation Santa Rosa Calif. 1.16 45,060 38,916 6,937,212.00
64 Heartland Bancorp, Inc. Bloomington Ill. 1.15 58,902 51,038 2,855,278.00
65 Charles Schwab Corporation San Francisco Calif. 1.15 3,507,000 3,040,000 296,482,000.00
66 Northfield Bancorp, Inc. Woodbridge N.J. 1.15 40,079 34,808 4,408,432.00
67 Independent Bank Group, Inc. McKinney Tex. 1.15 128,259 111,697 9,849,965.00
68 First of Long Island Corporation Glen Head N.Y. 1.14 41,573 36,465 4,241,060.00
69 Apple Financial Holdings, Inc. New York N.Y. 1.13 100,900 89,072 14,307,254.00
70 Valley View Bancshares, Inc. Overland Park Kan. 1.12 40,090 35,743 3,008,010.00
71 Great Southern Bancorp, Inc. Springfield Mo. 1.12 67,109 59,896 4,680,443.00
72 OFG Bancorp San Juan P.R. 1.12 84,410 75,359 6,583,352.00
73 Popular, Inc. Hato Rey P.R. 1.11 618,000 558,000 47,605,000.00
74 Bancorp, Inc. Wilmington Del. 1.10 88,677 80,712 4,437,911.00
75 Midland Financial Co. Oklahoma City Okla. 1.10 275,442 250,976 17,253,182.00
76 M&T Bank Corporation Buffalo N.Y. 1.09 1,918,080 1,752,264 120,097,403.00
77 Ally Financial Inc. Detroit Mich. 1.09 1,263,000 1,157,000 178,869,000.00
78 Dime Community Bancshares, Inc. Brooklyn N.Y. 1.09 51,288 47,044 6,320,578.00
79 WSFS Financial Corporation Wilmington Del. 1.08 134,743 124,341 7,248,870.00
80 215 Holding Company Minneapolis Minn. 1.08 13,513 12,548 756,717.00
81 Hills Bancorporation Hills Iowa 1.07 36,767 34,320 3,042,464.00
82 Cadence Bancorporation Houston Tex. 1.07 166,261 155,215 12,730,303.00
83 Provident Financial Services, Inc. Jersey City N.J. 1.06 118,387 111,496 9,725,769.00
84 Southside Bancshares, Inc. Tyler Tex. 1.05 74,138 70,643 6,123,494.00
85 Amboy Bancorporation Old Bridge N.J. 1.05 29,466 28,134 2,317,856.00
86 Cullen/Frost Bankers, Inc. San Antonio Tex. 1.04 454,918 435,771 32,370,165.00
87 Sandy Spring Bancorp, Inc. Olney Md. 1.04 100,864 96,998 8,243,272.00
88 Texas Capital Bancshares, Inc. Dallas Tex. 1.03 300,824 291,311 28,258,337.00
89 Camden National Corporation Camden Maine 1.03 53,071 51,513 4,297,435.00
90 Fifth Third Bancorp Cincinnati Ohio 1.03 2,192,730 2,137,353 146,069,355.00
91 Premier Financial Bancorp, Inc. Huntington W.Va. 1.02 20,168 19,803 1,690,115.00
92 First Commonwealth Financial Corporation Indiana Pa. 1.02 107,498 105,561 7,828,255.00
93 Bank of Hawaii Corporation Honolulu Hawaii 1.02 219,602 215,953 17,143,974.00
94 Southern Missouri Bancorp, Inc. Poplar Bluff Mo. 1.02 25,150 24,777 2,210,373.00
95 Capital One Financial Corporation McLean Va. 1.01 6,014,995 5,942,758 372,537,597.00
96 F.N.B. Corporation Pittsburgh Pa. 1.01 372,858 369,630 33,112,625.00
97 Stearns Financial Services, Inc. Saint Cloud Minn. 1.01 49,924 49,524 2,217,882.00
98 First Volunteer Corporation Chattanooga Tenn. 1.00 18,948 18,900 987,687.00
99 First Community Bankshares, Inc. Bluefield Va. 0.99 36,340 36,584 2,244,374.00
100 Stock Yards Bancorp, Inc. Louisville Ky. 0.99 55,518 56,232 3,304,303.00
101 Washington Trust Bancorp, Inc. Westerly R.I. 0.99 68,432 69,393 5,012,844.00
102 American National Corporation Omaha Neb. 0.98 52,638 53,500 3,718,477.00
103 WesBanco, Inc. Wheeling W.Va. 0.98 143,112 146,194 12,475,575.00
104 Bank of Marin Bancorp Novato Calif. 0.98 32,622 33,335 2,520,892.00
105 JPMorgan Chase & Co. New York N.Y. 0.98 32,474,000 33,213,000 2,622,532,000.00
106 Independent Bank Corp. Rockland Mass. 0.97 121,622 124,751 8,853,863.00
107 First Bancorp Southern Pines N.C. 0.97 89,289 91,730 5,865,088.00
108 First Bancorp, Inc. Lebanon Va. 0.97 26,367 27,152 1,810,942.00
109 PNC Financial Services Group, Inc. Pittsburgh Pa. 0.96 5,300,852 5,495,612 382,334,643.00
110 First Internet Bancorp Fishers Ind. 0.96 21,900 22,761 3,541,692.00
111 Community Trust Bancorp, Inc. Pikeville Ky. 0.96 59,228 61,562 4,201,616.00
112 U.S. Bancorp Minneapolis Minn. 0.96 7,096,000 7,393,000 467,374,000.00
113 Ambank Company, Inc. Sioux Center Iowa 0.96 18,054 18,869 1,265,336.00
114 Webster Financial Corporation Waterbury Conn. 0.95 360,418 379,307 27,630,529.00
115 Synovus Financial Corp. Columbus Ga. 0.94 428,476 453,420 32,669,192.00
116 INTRUST Financial Corporation Wichita Kan. 0.94 71,418 75,616 5,219,500.00
117 Simmons First National Corporation Pine Bluff Ark. 0.94 215,713 228,500 16,548,240.00
118 Glacier Bancorp, Inc. Kalispell Mont. 0.94 181,878 192,792 12,115,484.00
119 Old Line Bancshares, Inc. Bowie Md. 0.94 27,218 28,896 2,950,007.00
120 Horizon Bancorp, Inc. Michigan City Ind. 0.94 53,117 56,623 4,246,688.00
121 Arrow Financial Corporation Glens Falls N.Y. 0.94 36,279 38,788 2,988,334.00
122 Meridian Bancorp, Inc. Peabody Mass. 0.93 55,771 60,040 6,179,001.00
123 Commerce Bancshares, Inc. Kansas City Mo. 0.93 433,542 468,194 25,504,279.00
124 1867 Western Financial Corporation Stockton Calif. 0.92 42,046 45,463 3,179,839.00
125 Lakeland Bancorp, Inc. Oak Ridge N.J. 0.92 63,401 68,595 5,808,117.00
126 First Financial Corporation Terre Haute Ind. 0.92 46,583 50,657 3,009,730.00
127 United Community Banks, Inc. Blairsville Ga. 0.92 166,111 180,747 12,576,300.00
128 Atlantic Union Bankshares Corporation Richmond Va. 0.92 146,248 159,379 13,765,293.00
129 First Busey Corporation Champaign Ill. 0.92 98,928 107,844 7,702,357.00
130 CBTX, Inc. Houston Tex. 0.91 47,289 51,694 3,280,711.00
131 Pacific Premier Bancorp, Inc. Irvine Calif. 0.91 123,340 135,054 11,487,387.00
132 First Financial Bancorp. Cincinnati Ohio 0.91 172,595 188,990 13,986,660.00
133 Citizens Financial Group, Inc. Providence R.I. 0.91 1,721,470 1,888,005 161,004,687.00
134 CenterState Bank Corporation Winter Haven Fla. 0.91 156,435 171,606 12,337,588.00
135 American National Bankshares Inc. Danville Va. 0.91 22,579 24,879 1,862,866.00
136 German American Bancorp, Inc. Jasper Ind. 0.91 46,529 51,306 3,929,766.00
137 Brookline Bancorp, Inc. Boston Mass. 0.91 83,062 91,702 7,410,777.00
138 Southern First Bancshares, Inc. Greenville S.C. 0.91 22,289 24,621 1,901,850.00
139 BTC Financial Corporation Des Moines Iowa 0.90 58,364 64,581 4,526,203.00
140 BancFirst Corporation Oklahoma City Okla. 0.90 125,814 139,547 7,574,260.00
141 Central Bancompany, Inc. Jefferson City Mo. 0.90 177,576 198,273 13,194,170.00
142 Huntington Bancshares Incorporated Columbus Ohio 0.89 1,393,013 1,556,775 108,781,444.00
143 IBERIABANK Corporation Lafayette La. 0.89 370,249 414,741 30,833,015.00
144 First Bancshares, Inc. Merrillville Ind. 0.89 56,446 63,303 4,431,257.00
145 Regions Financial Corporation Birmingham Ala. 0.89 1,758,919 1,974,058 125,767,146.00
146 ANB Corporation Terrell Tex. 0.89 46,540 52,260 3,160,365.00
147 Carolina Financial Corporation Charleston S.C. 0.88 49,670 56,182 3,793,253.00
148 Red River Bancshares, Inc. Alexandria La. 0.88 23,056 26,094 1,860,588.00
149 First Defiance Financial Corp. Defiance Ohio 0.88 46,249 52,402 3,182,376.00
150 Pedcor Capital, LLC Carmel Ind. 0.88 6,521 7,397 426,913.00
151 Bank of America Corporation Charlotte N.C. 0.88 28,147,000 31,929,000 2,354,980,000.00
152 OceanFirst Financial Corp. Toms River N.J. 0.88 71,932 81,870 7,524,903.00
153 1st Source Corporation South Bend Ind. 0.88 82,414 93,857 6,293,749.00
154 Alpine Banks of Colorado Glenwood Springs Colo. 0.87 54,848 62,816 3,709,954.00
155 Farmers & Merchants Bancorp Lodi Calif. 0.87 45,527 52,279 3,439,112.00
156 Columbia Banking System, Inc. Tacoma Wash. 0.87 172,882 199,828 13,095,145.00
157 Investors Bancorp, Inc. Short Hills N.J. 0.86 202,576 235,745 26,310,872.00
158 BOU Bancorp, Inc. Ogden Utah 0.86 23,423 27,259 1,425,023.00
159 TriState Capital Holdings, Inc. Pittsburgh Pa. 0.86 54,424 63,646 6,035,655.00
160 Republic Bancorp, Inc. Louisville Ky. 0.85 77,852 91,189 5,240,404.00
161 Citigroup Inc. New York N.Y. 0.85 18,045,000 21,153,000 1,917,383,000.00
162 People's United Financial, Inc. Bridgeport Conn. 0.85 468,044 550,199 47,833,478.00
163 First Interstate BancSystem, Inc. Billings Mont. 0.85 160,246 188,675 13,297,831.00
164 Goldman Sachs Group, Inc. New York N.Y. 0.85 10,459,000 12,328,000 931,798,000.00
165 Century Bancorp, Inc. Medford Mass. 0.85 36,213 42,710 5,163,935.00
166 Flushing Financial Corporation Uniondale N.Y. 0.85 55,090 65,118 6,834,176.00
167 Citizens Bancorp Investment, Inc. Lafayette Tenn. 0.85 12,015 14,213 923,226.00
168 SunTrust Banks, Inc. Atlanta Ga. 0.83 2,774,766 3,331,529 215,741,757.00
169 CNB Financial Corporation Clearfield Pa. 0.83 33,719 40,649 3,221,521.00
170 Nicolet Bankshares, Inc. Green Bay Wis. 0.83 41,036 49,565 3,098,298.00
171 Cambridge Financial Group, Inc. Cambridge Mass. 0.83 38,926 47,087 3,883,772.00
172 Mercantile Bank Corporation Grand Rapids Mich. 0.82 42,024 50,982 3,363,907.00
173 Park National Corporation Newark Ohio 0.82 110,387 134,044 7,804,308.00
174 Educational Services of America, Inc. Farragut Tenn. 0.82 22,444 27,514 3,162,574.00
175 Wilson Bank Holding Company Lebanon Tenn. 0.81 32,594 40,127 2,525,693.00
176 Community Bank System, Inc. De Witt N.Y. 0.81 168,403 207,357 10,607,294.00
177 Ameris Bancorp Moultrie Ga. 0.81 121,027 149,292 11,443,515.00
178 KeyCorp Cleveland Ohio 0.81 1,865,383 2,312,926 140,037,790.00
179 First Horizon National Corporation Memphis Tenn. 0.80 545,042 677,859 40,834,325.00
180 Bar Harbor Bankshares Bar Harbor Maine 0.80 32,937 40,964 3,608,487.00
181 Hanmi Financial Corporation Los Angeles Calif. 0.80 57,868 71,982 5,502,219.00
182 CIT Group Inc. New York N.Y. 0.80 447,087 556,263 48,537,362.00
183 Seacoast Banking Corporation of Florida Stuart Fla. 0.80 67,275 84,056 6,747,658.00
184 Hancock Whitney Corporation Gulfport Miss. 0.80 323,770 404,695 28,244,914.00
185 Central Pacific Financial Corp. Honolulu Hawaii 0.79 59,486 75,352 5,807,026.00
186 Bryn Mawr Bank Corporation Bryn Mawr Pa. 0.79 63,792 81,001 4,652,485.00
187 Franklin Financial Network, Inc. Franklin Tenn. 0.79 34,505 43,836 4,246,389.00
188 QNB Corp. Quakertown Pa. 0.79 11,335 14,411 1,175,452.00
189 First Keystone Corporation Berwick Pa. 0.79 9,211 11,715 1,012,000.00
190 Heritage Commerce Corp San Jose Calif. 0.79 35,331 45,001 3,096,562.00
191 Valley National Bancorp Wayne N.J. 0.78 261,428 333,816 31,863,088.00
192 W.T.B. Financial Corporation Spokane Wash. 0.78 83,056 106,377 6,552,350.00
193 First Mid Bancshares, Inc. Mattoon Ill. 0.78 36,600 46,951 3,839,734.00
194 Bridge Bancorp, Inc. Bridgehampton N.Y. 0.78 39,227 50,458 4,699,534.00
195 South State Corporation Columbia S.C. 0.77 178,871 233,130 14,676,328.00
196 Heartland BancCorp Whitehall Ohio 0.77 11,390 14,883 1,047,426.00
197 BOK Financial Corporation Tulsa Okla. 0.76 445,646 583,131 38,212,385.00
198 Tompkins Financial Corporation Ithaca N.Y. 0.76 82,308 107,715 6,758,436.00
199 Farmers & Merchants Investment, Inc. Lincoln Neb. 0.76 59,507 78,364 4,209,594.00
200 BB&T Corporation Winston-Salem N.C. 0.75 3,237,000 4,313,000 225,697,000.00
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 May. 23, 2019.
© 2018 American Banker
Source: https://www.spglobal.com/en/