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

July 31, 2017, 3:15 p.m. EDT 1 Min Read

Year to date through March 31, 2017. Dollars in thousands

View Table

Printer Friendly Version


Rank	Company	City	State	Multiple	Net income (loss)	Salary and benefits	Return on average assets
1	Beal Financial Corp.	Plano	Texas	5.67	$78,993	$13,940	4.30
2	Clayton HC Inc.	Knoxville	Tenn.	3.75	13,583	3,623	4.40
3	Oritani Financial Corp.	Township of Washington	N.J.	3.68	24,266	6,595	2.37
4	Briscoe Ranch Inc.	Uvalde	Texas	3.21	7,221	2,250	1.68
5	United National Corp.	Sioux Falls	S.D.	2.84	120,015	42,263	18.43
6	NexBank Capital Inc.	Dallas	Texas	2.77	26,461	9,569	2.13
7	First Community Holdings	Santa Rosa	Calif.	2.65	7,193	2,714	2.38
8	Merchants Bancorp	Carmel	Ind.	2.37	9,130	3,845	1.39
9	Sterling Bancorp Inc.	Southfield	Mich.	2.30	10,761	4,680	1.95
10	Amboy Bancorp.	Old Bridge	N.J.	2.29	12,273	5,366	1.98
11	Lauritzen Corp.	Omaha	Neb.	2.16	18,465	8,534	5.94
12	Olney Bancshares of Texas Inc.	Olney	Texas	2.11	18,590	8,816	2.46
13	Capitol Federal Financial Inc.	Topeka	Kan.	2.09	21,587	10,324	0.77
14	East West Bancorp Inc.	Pasadena	Calif.	2.00	169,736	84,787	1.94
15	BofI Holding Inc.	San Diego	Calif.	1.94	40,994	21,166	1.94
16	FCB Financial Holdings Inc.	Weston	Fla.	1.93	38,989	20,219	1.70
17	ServisFirst Bancshares Inc.	Birmingham	Ala.	1.92	22,519	11,713	1.43
18	Cathay General Bancorp	Los Angeles	Calif.	1.89	48,941	25,871	1.40
19	Cache Valley Banking Co.	Logan	Utah	1.73	7,524	4,353	2.99
20	Home BancShares Inc.	Conway	Ark.	1.71	46,856	27,421	1.84
21	Silver Queen Financial Services Inc.	Greenwood Village	Colo.	1.66	3,546	2,133	0.81
22	Eagle Bancorp Inc.	Bethesda	Md.	1.62	27,017	16,677	1.60
23	Lakeside Bancorp Inc.	Chicago	Ill.	1.61	6,854	4,252	1.88
24	Customers Bancorp Inc.	Wyomissing	Pa.	1.59	25,747	16,163	1.07
25	Discover Financial Services	Riverwoods	Ill.	1.54	564,054	366,874	2.39
26	First-West Texas Bancshares Inc.	Midland	Texas	1.52	4,035	2,646	1.39
27	Villages Bancorp. Inc.	The Villages	Fla.	1.50	6,558	4,386	1.31
28	Lakeland Financial Corp.	Warsaw	Ind.	1.47	14,514	9,863	1.35
	Washington Federal Inc.	Seattle	Wash.	1.47	42,070	28,693	1.13
30	Stearns Financial Services Inc.	St. Cloud	Minn.	1.46	16,221	11,080	3.18
	Industry Bancshares Inc.	Industry	Texas	1.46	11,356	7,773	1.22
32	Stark Bank Group Ltd.	Fort Dodge	Iowa	1.45	6,794	4,671	2.68
	ConnectOne Bancorp Inc.	Englewood Cliffs	N.J.	1.45	11,880	8,206	1.08
	WestStar Bank Holding Co. Inc.	El Paso	Texas	1.45	9,310	6,433	2.41
	American Bank Holding Corp.	Corpus Christi	Texas	1.45	10,061	6,956	3.17
36	Inwood Bancshares Inc.	Dallas	Texas	1.44	9,462	6,580	1.60
37	M&F Bancorp Inc.	Holly Springs	Miss.	1.43	773	539	3.15
38	Western Alliance Bancorp.	Phoenix	Ariz.	1.42	73,357	51,620	1.68
	Prosperity Bancshares Inc.	Houston	Texas	1.42	68,565	48,444	1.23
40	West Bancorp. Inc.	West Des Moines	Iowa	1.41	6,106	4,337	1.33
41	Traditional Bancorp. Inc.	Mount Sterling	Ky.	1.36	5,534	4,068	1.61
42	Sterling Bancshares Inc.	Poplar Bluff	Mo.	1.34	3,436	2,570	1.00
43	Hometown Banc Corp	Grand Island	Neb.	1.32	4,745	3,599	1.53
44	RBB Bancorp	Los Angeles	Calif.	1.31	5,493	4,183	1.53
	Hometown Community Bancorp Inc.	Morton	Ill.	1.31	11,959	9,146	1.46
	Synchrony Financial	Stamford	Conn.	1.31	499,440	382,217	2.23
	CVB Financial Corp.	Ontario	Calif.	1.31	28,504	21,825	1.41
48	Bridgewater Bancshares Inc.	Bloomington	Minn.	1.29	4,090	3,167	1.25
	Amarillo National Bancorp Inc.	Amarillo	Texas	1.29	17,083	13,261	1.78
50	United Bankshares Inc.	Charleston	W.Va.	1.25	38,809	30,937	1.08
	Northern Bancorp Inc.	Woburn	Mass.	1.25	5,945	4,765	1.38
52	Lowell Five Bancorp MHC	Lowell	Mass.	1.24	6,639	5,333	2.46
	Ida Grove Bancshares Inc.	Ida Grove	Iowa	1.24	5,587	4,498	1.59
54	City Holding Co.	Cross Lanes	W.Va.	1.22	16,027	13,113	1.60
	Luther Burbank Corp.	Santa Rosa	Calif.	1.22	12,295	10,072	0.95
56	PacWest Bancorp	Beverly Hills	Calif.	1.21	78,668	64,880	1.45
57	Crews Banking Corp.	Wauchula	Fla.	1.20	6,598	5,482	1.90
	Meta Financial Group Inc.	Sioux Falls	S.D.	1.20	32,142	26,766	2.95
59	Stockman Financial Corp.	Miles City	Mont.	1.19	14,196	11,900	1.78
	Sterling Bancorp	Montebello	N.Y.	1.19	39,067	32,857	1.11
61	John Deere Capital Corp.	Reno	Nev.	1.18	68,640	58,033	0.83
	First Security Bancorp	Searcy	Ark.	1.18	24,692	20,881	1.83
	Green Dot Corp.	Pasadena	Calif.	1.18	40,754	34,617	9.00
64	First of Long Island Corp.	Glen Head	N.Y.	1.17	9,081	7,733	1.01
	First Bancorp Inc.	Damariscotta	Maine	1.17	4,637	3,958	1.06
	Citizens National Banc Corp.	Meridian	Miss.	1.17	6,491	5,558	1.91
67	Magnolia Banking Corp.	Magnolia	Ark.	1.15	5,620	4,880	1.70
	Westamerica Bancorp.	San Rafael	Calif.	1.15	15,049	13,070	1.12
69	CIT Group Inc.	New York	N.Y.	1.14	179,941	157,298	1.13
	First Financial Bankshares Inc.	Abilene	Texas	1.14	26,599	23,363	1.56
	Pinnacle Bancorp Inc.	Omaha	Neb.	1.14	37,328	32,867	1.55
72	Hills Bancorp.	Hills	Iowa	1.13	8,874	7,834	1.33
	Manhattan Banking Corp.	Manhattan	Kan.	1.13	6,562	5,800	1.59
	Parkway Bancorp Inc.	Harwood Heights	Ill.	1.13	5,172	4,581	0.85
75	Apple Financial Holdings Inc.	New York	N.Y.	1.11	19,119	17,148	0.59
76	First Citizens Financial Corp.	Mason City	Iowa	1.10	4,499	4,107	1.48
77	Republic Bancorp Co.	Oak Brook	Ill.	1.09	6,502	5,954	1.40
	Great Western Bancorp Inc.	Sioux Falls	S.D.	1.09	35,162	32,283	1.25
	New York Community Bancorp Inc.	Westbury	N.Y.	1.09	103,957	95,554	0.85
	Independence Bancshares Inc.	Owensboro	Ky.	1.09	7,367	6,780	1.44
81	E-Trade Financial Corp.	New York	N.Y.	1.08	145,413	135,061	1.08
82	TrustCo Bank Corp NY	Glenville	N.Y.	1.07	10,948	10,210	0.90
	Bank First National Corp.	Manitowoc	Wis.	1.07	3,993	3,746	1.15
	Hope Bancorp Inc.	Los Angeles	Calif.	1.07	36,960	34,681	1.11
85	Florence Bancorp MHC	Florence	Mass.	1.06	5,249	4,937	1.63
	Dime Community Bancshares Inc.	Brooklyn	N.Y.	1.06	11,157	10,512	0.74
87	BankUnited Inc.	Miami Lakes	Fla.	1.05	62,293	59,508	0.90
88	Choice Financial Holdings Inc.	Fargo	N.D.	1.04	6,047	5,820	2.10
89	Pinnacle Financial Partners Inc.	Nashville	Tenn.	1.03	39,653	38,352	1.39
	Bankwell Financial Group Inc.	New Canaan	Conn.	1.03	3,701	3,591	0.92
	National Bankshares Inc.	Blacksburg	Va.	1.03	3,649	3,543	1.19
92	Northfield Bancorp Inc.	Woodbridge	N.J.	1.00	9,948	9,975	1.03
	AFNB Holdings Inc.	Houston	Texas	1.00	4,007	4,025	1.17
94	Blue Hills Bancorp Inc.	Norwood	Mass.	0.99	7,486	7,563	1.21
	Franklin Financial Network Inc.	Franklin	Tenn.	0.99	7,934	8,032	0.97
96	American Express Co.	New York	N.Y.	0.98	1,238,000	1,264,000	3.13
	United Bank Corp.	Barnesville	Ga.	0.98	5,686	5,815	1.81
	International Bancshares Corp.	Laredo	Texas	0.98	32,004	32,731	1.08
	Bank of Hawaii Corp.	Honolulu	Hawaii	0.98	51,176	52,378	1.25
100	Central Community Corp.	Temple	Texas	0.96	4,788	4,979	1.36
	USAmeriBancorp Inc.	Clearwater	Fla.	0.96	11,857	12,348	1.12
102	American National Corp.	Omaha	Neb.	0.95	10,562	11,083	1.26
	Midland Financial Co.	Oklahoma City	Okla.	0.95	56,611	59,752	1.54
104	Republic Bancorp Inc.	Louisville	Ky.	0.94	20,017	21,211	1.65
	Southside Bancshares Inc.	Tyler	Texas	0.94	14,989	15,919	1.07
	NEB Corp.	Fond du Lac	Wis.	0.94	5,869	6,253	1.19
	Heartland Bancorp Inc.	Bloomington	Ill.	0.94	12,074	12,888	1.62
	Plains Bancorp Inc.	Dimmitt	Texas	0.94	4,175	4,460	1.39
109	First Artesia Bancshares Inc.	Artesia	N.M.	0.93	4,254	4,568	1.56
	Independent Bank Group Inc.	McKinney	Texas	0.93	15,671	16,837	1.07
	QNB Corp.	Quakertown	Pa.	0.93	2,860	3,086	1.06
112	1st Summit Bancorp of Johnstown Inc.	Johnstown	Pa.	0.91	2,621	2,865	1.05
113	Blackhawk Bancorp. Inc.	Milan	Ill.	0.90	2,941	3,251	0.92
	First Merchants Corp.	Muncie	Ind.	0.90	23,193	25,732	1.29
	First Paragould Bankshares Inc.	Paragould	Ark.	0.90	3,133	3,478	1.06
	Narragansett Financial Corp.	Swansea	Mass.	0.90	6,738	7,514	2.13
	Starion Bancorp.	Bismarck	N.D.	0.90	4,229	4,721	1.37
118	Ames National Corp.	Ames	Iowa	0.89	3,610	4,053	1.05
	H Bancorp LLC	Irvine	Calif.	0.89	3,532	3,979	1.35
	S&T Bancorp Inc.	Indiana	Pa.	0.89	18,188	20,541	1.05
121	Hometown Financial Group MHC	Easthampton	Mass.	0.88	5,731	6,485	1.11
	First Bancorp Inc.	Lebanon	Va.	0.88	5,493	6,231	1.34
	First Farmers Financial Corp.	Converse	Ind.	0.88	5,370	6,099	1.34
	United Services Automobile Association	San Antonio	Texas	0.88	842,783	958,337	2.25
	First Bank Corp	Fort Smith	Ark.	0.88	6,755	7,693	1.60
	Territorial Bancorp Inc.	Honolulu	Hawaii	0.88	4,321	4,934	0.91
	Provident Financial Services Inc.	Iselin	N.J.	0.88	23,508	26,848	0.99
128	Ironhorse Financial Group Inc.	Muskogee	Okla.	0.87	6,804	7,848	1.94
	FirstBank Holding Co.	Lakewood	Colo.	0.87	48,562	56,062	1.14
	Comerica Inc.	Dallas	Texas	0.87	202,013	233,532	1.12
131	U.S. Bancorp	Minneapolis	Minn.	0.86	1,473,000	1,705,000	1.33
132	Commerce Bancshares Corp.	Worcester	Mass.	0.85	4,817	5,652	0.94
	Louisiana Community Bancorp Inc.	Houma	La.	0.85	4,401	5,177	1.49
	Sandy Spring Bancorp Inc.	Olney	Md.	0.85	15,112	17,800	1.18
135	PNC Financial Services Group Inc.	Pittsburgh	Pa.	0.84	1,057,219	1,251,210	1.15
	First Keystone Corp.	Berwick	Pa.	0.84	2,286	2,732	0.91
	German American Bancorp Inc.	Jasper	Ind.	0.84	9,556	11,444	1.30
138	Timberland Bancorp Inc.	Hoquiam	Wash.	0.83	3,128	3,755	1.35
	Camden National Corp.	Camden	Maine	0.83	10,076	12,147	1.03
	WesBanco Inc.	Wheeling	W.Va.	0.83	25,886	31,212	1.06
	Guaranty Bancorp	Denver	Colo.	0.83	9,840	11,897	1.17
	BT Holdings Inc.	Quitman	Texas	0.83	2,279	2,762	0.73
143	United Community Bancorp Inc.	Chatham	Ill.	0.82	6,871	8,331	1.15
	First York Ban Corp.	York	Neb.	0.82	5,231	6,386	1.40
	People's Utah Bancorp	American Fork	Utah	0.82	6,521	7,967	1.56
	FirstSun Capital Bancorp	Salina	Kan.	0.82	6,977	8,536	1.49
	Western New England Bancorp Inc.	Westfield	Mass.	0.82	5,103	6,253	0.98
148	Bridge Bancorp Inc.	Bridgehampton	N.Y.	0.81	9,171	11,304	0.91
	Valley View Bancshares Inc.	Overland Park	Kan.	0.81	7,683	9,507	0.99
	Charles Schwab Corp.	San Francisco	Calif.	0.81	564,000	698,000	1.01
	Old Line Bancshares Inc.	Bowie	Md.	0.81	3,974	4,926	0.92
152	Glacier Bancorp Inc.	Kalispell	Mont.	0.80	31,255	38,946	1.33
	Cullen/Frost Bankers Inc.	San Antonio	Texas	0.80	84,941	105,954	1.13
	1867 Western Financial Corp.	Stockton	Calif.	0.80	7,898	9,866	1.18
	Investors Bancorp Inc.	Short Hills	N.J.	0.80	46,020	57,500	0.79
	Lakeland Bancorp Inc.	Oak Ridge	N.J.	0.80	12,312	15,417	0.96
	Third Federal Savings and Loan Association of Cleveland MHC	Cleveland	Ohio	0.80	19,187	24,097	0.59
158	Auburn National Bancorp. Inc.	Auburn	Ala.	0.79	1,890	2,381	0.90
	Veritex Holdings Inc.	Dallas	Texas	0.79	3,097	3,908	0.82
	Midland Bancshares Inc.	Midland	Texas	0.79	2,911	3,674	1.12
	Stock Yards Bancorp Inc.	Louisville	Ky.	0.79	10,791	13,630	1.44
	Bank of Highland Park Financial Corp.	Highland Park	Ill.	0.79	3,099	3,922	0.83
163	BSB Bancorp Inc.	Belmont	Mass.	0.78	3,666	4,672	0.66
	Security National Corp.	Dakota Dunes	S.D.	0.78	4,187	5,342	1.18
	Pacific City Financial Corp.	Los Angeles	Calif.	0.78	4,398	5,624	1.40
	Hanmi Financial Corp.	Los Angeles	Calif.	0.78	13,783	17,643	1.16
	Texas Independent Bancshares Inc.	Texas City	Texas	0.78	4,057	5,198	1.59
	Grandpoint Capital Inc.	Los Angeles	Calif.	0.78	8,173	10,503	1.01
	Unity Bancorp Inc.	Clinton	N.J.	0.78	3,192	4,113	1.06
	M&T Bank Corp.	Buffalo	N.Y.	0.78	348,927	449,862	1.14
171	JPMorgan Chase & Co.	New York	N.Y.	0.77	6,448,000	8,342,000	1.02
	Peoples Financial Services Corp.	Scranton	Pa.	0.77	4,800	6,219	0.96
	Southern Missouri Bancorp Inc.	Poplar Bluff	Mo.	0.77	3,954	5,140	1.07
	First Financial Bancorp.	Cincinnati	Ohio	0.77	24,414	31,751	1.16
	OFG Bancorp	San Juan	P.R.	0.77	15,150	19,705	0.95
	Cadence Bancorp LLC	Houston	Texas	0.77	26,020	33,871	1.08
	Chemical Financial Corp.	Midland	Mich.	0.77	47,604	61,977	1.09
	Enterprise Financial Services Corp.	Clayton	Mo.	0.77	12,391	16,183	1.08
179	Citizens Financial Services Inc.	Mansfield	Pa.	0.76	3,303	4,319	1.08
	1st Source Corp.	South Bend	Ind.	0.76	16,206	21,345	1.19
	First Volunteer Corp.	Chattanooga	Tenn.	0.76	3,245	4,277	1.40
	Norway Bancorp MHC	Norway	Maine	0.76	3,731	4,927	1.38
	Community Trust Bancorp Inc.	Pikeville	Ky.	0.76	11,277	14,924	1.13
184	Great Southern Bancorp Inc.	Springfield	Mo.	0.75	11,518	15,259	1.03
	Home Bancorp Inc.	Lafayette	La.	0.75	5,006	6,642	1.28
	LegacyTexas Financial Group Inc.	Plano	Texas	0.75	18,191	24,168	0.89
	Central Pacific Financial Corp.	Honolulu	Hawaii	0.75	13,079	17,387	0.96
	Moody Bancshares Inc.	Galveston	Texas	0.75	2,918	3,884	1.18
	Ally Financial Inc.	Detroit	Mich.	0.75	214,000	285,000	0.53
	Ambank Co. Inc.	Sioux Center	Iowa	0.75	3,000	4,000	1.06
	Watford City Bancshares Inc.	Watford City	N.D.	0.75	7,716	10,307	1.34
	Arbor Bancorp Inc.	Ann Arbor	Mich.	0.75	4,213	5,653	1.11
193	OceanFirst Financial Corp.	Toms River	N.J.	0.74	12,018	16,138	0.92
	Popular Inc.	Hato Rey	P.R.	0.74	93,000	125,000	0.94
	Macatawa Bank Corp.	Holland	Mich.	0.74	4,460	5,996	1.04
	Sturm Financial Group Inc.	Denver	Colo.	0.74	7,367	9,943	1.11
	Citigroup Inc.	New York	N.Y.	0.74	4,090,000	5,534,000	0.89
	Norwood Financial Corp.	Honesdale	Pa.	0.74	2,376	3,218	0.85
	Premier Financial Bancorp Inc.	Huntington	W.Va.	0.74	3,664	4,970	0.98
	Arrow Financial Corp.	Glens Falls	N.Y.	0.74	6,631	9,008	1.01