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

November 14, 2017, 4:33 p.m. EST 1 Min Read

Year to date through June 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. 7.03 $94,736 $13,484 5.19
2 Clayton HC, Inc. Knoxville Tenn. 4.26 13,462 3,157 4.34
3 Briscoe Ranch, Inc. Uvalde Tex. 3.48 7,792 2,240 1.78
4 First Community Holdings Santa Rosa Calif. 3.11 8,361 2,686 2.51
5 Merchants Bancorp Carmel Ind. 2.87 14,758 5,135 2.06
6 Inwood Bancshares, Inc. Dallas Tex. 2.26 11,979 5,294 1.99
7 Olney Bancshares of Texas, Inc. Olney Tex. 2.14 19,094 8,914 2.38
8 Lakeside Bancorp, Inc. Chicago Ill. 2.02 8,880 4,404 2.38
9 RBB Bancorp Los Angeles Calif. 2.01 8,536 4,243 2.28
10 ServisFirst Bancshares, Inc. Birmingham Ala. 2.01 24,164 12,031 1.55
11 Luther Burbank Corporation Santa Rosa Calif. 2.00 18,922 9,438 1.37
12 Cathay General Bancorp Los Angeles Calif. 1.97 51,415 26,145 1.47
13 Capitol Federal Financial, Inc. Topeka Kan. 1.94 21,370 11,042 0.76
14 Stearns Financial Services, Inc. Saint Cloud Minn. 1.88 14,939 7,956 2.93
15 United National Corporation Sioux Falls S.D. 1.88 81,890 43,651 12.21
16 Home BancShares, Inc. Conway Ark. 1.79 50,097 28,034 1.86
17 Lauritzen Corporation Omaha Neb. 1.75 15,499 8,880 4.95
18 FCB Financial Holdings, Inc. Weston Fla. 1.66 35,081 21,149 1.46
19 Eagle Bancorp, Inc. Bethesda Md. 1.65 27,772 16,869 1.60
20 Silver Queen Financial Services, Inc. Greenwood Village Colo. 1.62 3,335 2,054 0.76
21 Villages Bancorporation, Inc. The Villages Fla. 1.60 7,161 4,488 1.40
22 Lakeland Financial Corporation Warsaw Ind. 1.57 15,351 9,803 1.40
23 Traditional Bancorporation, Inc. Mount Sterling Ky. 1.56 6,147 3,940 1.79
24 Bridgewater Bancshares, Inc. Bloomington Minn. 1.55 4,795 3,093 1.37
25 BofI Holding, Inc. San Diego Calif. 1.54 32,550 21,121 1.55
26 Western Alliance Bancorporation Phoenix Ariz. 1.53 79,971 52,246 1.71
27 Washington Federal, Inc. Seattle Wash. 1.51 44,112 29,250 1.17
28 Sterling Bancorp, Inc. Southfield Mich. 1.50 8,481 5,656 1.49
29 NexBank Capital, Inc. Dallas Tex. 1.49 20,131 13,477 1.39
30 WestStar Bank Holding Company, Inc. El Paso Tex. 1.48 9,673 6,541 2.39
31 Discover Financial Services Riverwoods Ill. 1.47 545,678 372,465 2.32
32 East West Bancorp, Inc. Pasadena Calif. 1.46 118,330 80,973 1.35
33 E*TRADE Financial Corporation New York N.Y. 1.45 192,232 132,617 1.35
34 Prosperity Bancshares, Inc. Houston Tex. 1.45 68,554 47,343 1.22
35 Choice Financial Holdings, Inc. Fargo N.D. 1.44 7,445 5,173 2.58
36 PacWest Bancorp Beverly Hills Calif. 1.43 93,647 65,288 1.71
37 West Bancorporation, Inc. West Des Moines Iowa 1.43 6,365 4,449 1.32
38 Customers Bancorp, Inc. Wyomissing Pa. 1.42 23,722 16,687 0.92
39 Republic Bancorp Co. Oak Brook Ill. 1.39 9,024 6,490 1.96
40 Hometown Banc Corp Grand Island Neb. 1.38 4,765 3,444 1.53
41 Ida Grove Bancshares, Inc. Ida Grove Iowa 1.37 6,182 4,500 1.75
42 Industry Bancshares, Inc. Industry Tex. 1.37 11,304 8,233 1.20
43 Pedcor Financial, LLC Carmel Ind. 1.37 3,981 2,913 2.52
44 Northern Bancorp, Inc. Woburn Mass. 1.36 6,441 4,752 1.40
45 Magnolia Banking Corporation Magnolia Ark. 1.34 5,803 4,333 1.66
46 Pinnacle Bancorp, Inc. Omaha Neb. 1.30 42,603 32,710 1.74
47 First-West Texas Bancshares, Inc. Midland Tex. 1.30 3,693 2,841 1.22
48 Synchrony Financial Stamford Conn. 1.29 496,039 384,439 2.22
49 CVB Financial Corp. Ontario Calif. 1.29 28,373 22,022 1.35
50 Sterling Bancorp Montebello N.Y. 1.28 42,400 33,098 1.15
51 TrustCo Bank Corp NY Glenville N.Y. 1.28 12,239 9,559 1.00
52 First Security Bancorp Searcy Ark. 1.27 25,585 20,126 1.90
53 Crews Banking Corporation Wauchula Fla. 1.27 7,169 5,642 2.00
54 Midland Financial Co. Oklahoma City Okla. 1.27 72,907 57,448 1.85
55 First Bancorp, Inc. Damariscotta Maine 1.27 4,883 3,860 1.10
56 Dime Community Bancshares, Inc. Brooklyn N.Y. 1.26 11,989 9,508 0.78
57 Manhattan Banking Corporation Manhattan Kan. 1.25 7,417 5,945 1.78
58 New York Community Bancorp, Inc. Westbury N.Y. 1.24 115,256 92,859 0.94
59 International Bancshares Corporation Laredo Tex. 1.24 40,569 32,738 1.35
60 Parkway Bancorp, Inc. Harwood Heights Ill. 1.24 5,530 4,465 0.92
61 Amarillo National Bancorp, Inc. Amarillo Tex. 1.22 18,664 15,298 1.93
62 Westamerica Bancorporation San Rafael Calif. 1.22 15,799 12,981 1.17
63 Hometown Community Bancorp, Inc. Morton Ill. 1.22 11,281 9,281 1.37
64 Amboy Bancorporation Old Bridge N.J. 1.21 6,941 5,714 1.13
65 Heartland Bancorp, Inc. Bloomington Ill. 1.21 14,781 12,202 1.98
66 LegacyTexas Financial Group, Inc. Plano Tex. 1.21 27,935 23,125 1.32
67 First Financial Bankshares, Inc. Abilene Tex. 1.20 28,255 23,566 1.65
68 First of Long Island Corporation Glen Head N.Y. 1.18 9,133 7,720 1.00
69 Central Community Corporation Temple Tex. 1.18 5,195 4,398 1.46
70 Bank First National Corporation Manitowoc Wis. 1.17 4,211 3,591 1.21
71 Royal Bancshares of Pennsylvania, Inc. Bala Cynwyd Pa. 1.17 3,007 2,573 1.45
72 Stockman Financial Corporation Miles City Mont. 1.14 14,784 12,912 1.82
73 S&T Bancorp, Inc. Indiana Pa. 1.14 22,765 19,903 1.29
74 Timberland Bancorp, Inc. Hoquiam Wash. 1.14 4,277 3,741 1.86
75 NEB Corporation Fond du Lac Wis. 1.13 6,782 5,977 1.46
76 City Holding Company Cross Lanes W.Va. 1.13 14,689 12,961 1.43
77 John Deere Capital Corporation Reno Nev. 1.13 69,186 61,208 0.81
78 Hope Bancorp, Inc. Los Angeles Calif. 1.13 39,937 35,366 1.18
79 Independence Bancshares, Inc. Owensboro Ky. 1.13 7,855 6,982 1.47
80 Great Southern Bancorp, Inc. Springfield Mo. 1.12 16,177 14,405 1.45
81 BankUnited, Inc. Miami Lakes Fla. 1.10 66,407 60,251 0.94
82 Cache Valley Banking Company Logan Utah 1.09 4,693 4,296 1.82
83 Bankwell Financial Group, Inc. New Canaan Conn. 1.09 3,770 3,456 0.86
84 FirstBank Holding Company Lakewood Colo. 1.08 54,872 50,765 1.28
85 CIT Group Inc. New York N.Y. 1.07 156,653 146,452 1.13
86 Great Western Bancorp, Inc. Sioux Falls S.D. 1.07 35,060 32,777 1.25
87 First Paragould Bankshares, Inc. Paragould Ark. 1.05 3,564 3,397 1.15
88 Bancorp, Inc. Wilmington Del. 1.04 18,864 18,108 1.79
89 Security Star Bancshares, Inc. Midland Tex. 1.04 3,926 3,770 2.06
90 United Bank Corporation Barnesville Ga. 1.04 6,201 5,961 1.94
91 National Bankshares, Inc. Blacksburg Va. 1.04 3,570 3,438 1.15
92 AFNB Holdings, Inc. Houston Tex. 1.04 4,122 3,980 1.16
93 American Express Company New York N.Y. 1.04 1,339,000 1,293,000 3.20
94 Starion Bancorporation Bismarck N.D. 1.02 4,704 4,614 1.49
95 Green Bancorp, Inc. Houston Tex. 1.02 12,898 12,655 1.26
96 First Citizens Financial Corp. Mason City Iowa 1.02 4,234 4,167 1.39
97 Carolina Financial Corporation Charleston S.C. 1.01 9,339 9,254 1.73
98 Veritex Holdings, Inc. Dallas Tex. 0.99 3,616 3,642 0.96
99 Louisiana Community Bancorp, Inc. Houma La. 0.99 4,882 4,926 1.66
100 Citizens National Banc Corp. Meridian Miss. 0.98 5,434 5,520 1.62
101 First Bank Corp Fort Smith Ark. 0.98 7,456 7,581 1.75
102 Pinnacle Financial Partners, Inc. Nashville Tenn. 0.98 43,087 43,826 1.29
103 Sturm Financial Group, Inc. Denver Colo. 0.98 8,985 9,146 1.41
104 Chemical Financial Corporation Midland Mich. 0.98 52,014 52,982 1.14
105 BT Holdings, Inc. Quitman Tex. 0.98 2,770 2,830 0.80
106 USAmeriBancorp, Inc. Clearwater Fla. 0.97 12,730 13,094 1.19
107 Franklin Financial Network, Inc. Franklin Tenn. 0.97 8,866 9,129 1.02
108 Southside Bancshares, Inc. Tyler Tex. 0.97 14,481 14,915 1.04
109 H Bancorp LLC Irvine Calif. 0.96 4,102 4,272 1.55
110 M&T Bank Corporation Buffalo N.Y. 0.96 381,053 398,900 1.26
111 Northwest Financial Corp. Arnolds Park Iowa 0.95 7,720 8,100 1.80
112 Plains Bancorp, Inc. Dimmitt Tex. 0.95 4,276 4,492 1.42
113 Apple Financial Holdings, Inc. New York N.Y. 0.95 17,134 18,047 0.53
114 Ally Financial Inc. Detroit Mich. 0.95 252,000 266,000 0.62
115 First Fidelity Bancorp, Inc. Oklahoma City Okla. 0.94 5,697 6,043 1.48
116 Ambank Company, Inc. Sioux Center Iowa 0.94 4,236 4,506 1.51
117 United Community Financial Corp. Youngstown Ohio 0.93 8,189 8,797 1.27
118 Comerica Incorporated Dallas Tex. 0.93 203,243 218,483 1.14
119 United Community Bancorp, Inc. Chatham Ill. 0.93 7,810 8,421 1.25
120 Arbor Bancorp, Inc. Ann Arbor Mich. 0.91 6,281 6,874 1.64
121 1st Summit Bancorp of Johnstown, Inc. Johnstown Pa. 0.91 2,631 2,880 1.05
122 OFG Bancorp San Juan P.R. 0.91 17,104 18,788 1.09
123 Provident Financial Services, Inc. Iselin N.J. 0.91 24,383 26,910 1.02
124 Territorial Bancorp Inc. Honolulu Hawaii 0.91 4,301 4,751 0.91
125 Guaranty Bancorp Denver Colo. 0.90 10,125 11,231 1.19
126 First Farmers Financial Corporation Converse Ind. 0.90 5,218 5,802 1.30
127 Ironhorse Financial Group, Inc. Muskogee Okla. 0.90 7,159 7,967 2.00
128 JPMorgan Chase & Co. New York N.Y. 0.90 7,029,000 7,823,000 1.10
129 First Merchants Corporation Muncie Ind. 0.89 24,136 27,076 1.28
130 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 0.89 7,683 8,632 0.68
131 First Citizens BancShares, Inc. Raleigh N.C. 0.89 134,660 151,302 1.57
132 Lakeland Bancorp, Inc. Oak Ridge N.J. 0.89 13,370 15,096 1.02
133 Valley View Bancshares, Inc. Overland Park Kan. 0.88 7,965 9,009 1.04
134 Blackhawk Bancorporation, Inc. Milan Ill. 0.88 2,834 3,211 0.88
135 U.S. Bancorp Minneapolis Minn. 0.88 1,500,000 1,703,000 1.34
136 Post Oak Bancshares, Inc. Houston Tex. 0.88 4,305 4,899 1.32
137 F.N.B. Corporation Pittsburgh Pa. 0.88 74,406 84,899 0.98
138 Bank of Hawaii Corporation Honolulu Hawaii 0.88 44,662 50,995 1.08
139 Charles Schwab Corporation San Francisco Calif. 0.87 575,000 660,000 1.03
140 Ames National Corporation Ames Iowa 0.87 3,472 3,990 1.01
141 Meridian Bancorp, Inc. Peabody Mass. 0.87 11,347 13,099 0.97
142 American National Corporation Omaha Neb. 0.86 10,544 12,218 1.25
143 Moody Bancshares, Inc. Galveston Tex. 0.86 3,277 3,802 1.31
144 1867 Western Financial Corporation Stockton Calif. 0.86 8,765 10,173 1.32
145 Sterling Bancshares, Inc. Poplar Bluff Mo. 0.86 2,149 2,496 0.64
146 Glacier Bancorp, Inc. Kalispell Mont. 0.86 33,687 39,186 1.39
147 Northfield Bancorp, Inc. Woodbridge N.J. 0.86 8,411 9,784 0.86
148 German American Bancorp, Inc. Jasper Ind. 0.86 9,839 11,460 1.32
149 PNC Financial Services Group, Inc. Pittsburgh Pa. 0.86 1,086,278 1,266,067 1.17
150 Pacific City Financial Corporation Los Angeles Calif. 0.86 4,860 5,676 1.49
151 First York Ban Corp. York Neb. 0.85 5,400 6,323 1.37
152 Klein Financial, Inc. Chaska Minn. 0.85 7,337 8,618 1.50
153 Security National Corporation Dakota Dunes S.D. 0.85 4,615 5,431 1.29
154 Norwood Financial Corp. Honesdale Pa. 0.85 2,724 3,212 0.97
155 Cullen/Frost Bankers, Inc. San Antonio Tex. 0.85 85,553 101,040 1.14
156 WesBanco, Inc. Wheeling W.Va. 0.84 26,342 31,347 1.07
157 First Artesia Bancshares, Inc. Artesia N.M. 0.84 4,129 4,924 1.51
158 Hanmi Financial Corporation Los Angeles Calif. 0.84 14,457 17,254 1.19
159 People's Utah Bancorp American Fork Utah 0.84 6,494 7,763 1.53
160 BSB Bancorp, Inc. Belmont Mass. 0.84 4,012 4,804 0.69
161 Auburn National Bancorporation, Inc. Auburn Ala. 0.83 1,995 2,392 0.96
162 First Bancorp, Inc. Lebanon Va. 0.83 5,222 6,275 1.27
163 Capital Bank Financial Corp. Charlotte N.C. 0.83 23,806 28,626 0.94
164 Pedcor Capital, LLC Carmel Ind. 0.83 1,513 1,820 1.71
165 SVB Financial Group Santa Clara Calif. 0.83 123,193 148,511 1.04
166 United Financial Bancorp, Inc. Glastonbury Conn. 0.83 16,200 19,575 0.96
167 Camden National Corporation Camden Maine 0.83 10,234 12,376 1.03
168 Farmers & Merchants Bancorp, Inc. Archbold Ohio 0.82 3,223 3,920 1.21
169 Central Valley Community Bancorp Fresno Calif. 0.82 4,948 6,021 1.37
170 Community Trust Bancorp, Inc. Pikeville Ky. 0.82 11,541 14,044 1.14
171 First Busey Corporation Champaign Ill. 0.82 16,479 20,061 1.23
172 Valley National Bancorp Wayne N.J. 0.82 50,065 61,338 0.86
173 Adam Bank Group, Inc. College Station Tex. 0.82 3,086 3,785 1.12
174 Stock Yards Bancorp, Inc. Louisville Ky. 0.81 10,602 13,025 1.42
175 INTRUST Financial Corporation Wichita Kan. 0.81 15,113 18,575 1.21
176 Flushing Financial Corporation Uniondale N.Y. 0.81 12,725 15,641 0.82
177 Popular, Inc. Hato Rey P.R. 0.81 96,000 118,000 0.93
178 River Valley Bancorporation, Inc. Wausau Wis. 0.81 4,272 5,252 1.39
179 Peoples Financial Services Corp. Scranton Pa. 0.81 5,659 6,979 1.11
180 Citizens Bancorp Investment, Inc. Lafayette Tenn. 0.81 2,493 3,077 1.13
181 Texas Capital Bancshares, Inc. Dallas Tex. 0.81 51,095 63,136 0.96
182 Heritage Commerce Corp San Jose Calif. 0.81 7,449 9,209 1.12
183 Broadway Bancshares, Inc. San Antonio Tex. 0.81 11,810 14,607 1.33
184 First Mid-Illinois Bancshares, Inc. Mattoon Ill. 0.81 8,200 10,143 1.16
185 Pacific Continental Corporation Eugene Ore. 0.81 7,127 8,821 1.09
186 Sandy Spring Bancorp, Inc. Olney Md. 0.81 14,741 18,284 1.13
187 Citizens & Northern Corporation Wellsboro Pa. 0.81 4,121 5,116 1.33
188 NorthWest Indiana Bancorp Munster Ind. 0.81 2,529 3,140 1.11
189 1st Source Corporation South Bend Ind. 0.80 16,669 20,712 1.19
190 Citizens Financial Services, Inc. Mansfield Pa. 0.80 3,468 4,324 1.12
191 Cummins-American Corp. Glenview Ill. 0.80 2,893 3,615 0.91
192 Unity Bancorp, Inc. Clinton N.J. 0.80 3,444 4,318 1.10
193 215 Holding Company Minneapolis Minn. 0.80 2,493 3,128 1.41
194 Isabella Bank Corporation Mount Pleasant Mich. 0.80 3,844 4,834 0.87
195 Third Federal Savings and Loan Association of Cleveland, MHC Cleveland Ohio 0.79 18,698 23,560 0.56
196 Arrow Financial Corporation Glens Falls N.Y. 0.79 7,208 9,084 1.08
197 Bank of Highland Park Financial Corporation Highland Park Ill. 0.79 3,236 4,101 0.85
198 Premier Financial Bancorp, Inc. Huntington W.Va. 0.79 3,919 4,973 1.04
199 Banterra Corp. Eldorado Ill. 0.78 5,234 6,671 1.39
200 Summit Financial Group, Inc. Moorefield W.Va. 0.78 5,278 6,758 1.01

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 Oct. 27, 2017.
© 2017 American Banker
Source: Financial Information Systems LLC (

www.FEDFIS.com
)

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