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

Year to date through March 31, 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 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