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Community banking

Community Banks with the Highest Returns on Average Assets

August 22, 2022, 2:15 p.m. EDT 1 Min Read
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Community Banks with the Highest Returns on Average Assets
Rank Company City State Type of charter Return on
average assets
2Q 2022		 Return on
average assets
2Q 2021		 Total
assets($000)		 Return on
average equity		 Efficiency
ratio
1 The Haverford Trust Company Radnor Pa. Commercial Bank 9.02 8.57 $185,237 45.02 75.10
2 FinWise Bank Murray Utah Commercial Bank 7.69 9.16 359,169 35.40 37.52
3 First Credit Bank Los Angeles Calif. Commercial Bank 5.10 4.66 512,496 12.26 10.44
4 The Pataskala Banking Company Pataskala Ohio Commercial Bank 4.55 0.07 43,268 95.18 41.50
5 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 3.98 3.47 94,869 28.06 20.62
6 Endeavor Bank San Diego Calif. Commercial Bank 3.83 1.38 468,054 34.70 60.39
7 Peoples Bank Mendenhall Miss. Commercial Bank 3.75 5.00 424,054 33.81 60.30
8 Central Bank of Kansas City Kansas City Mo. Commercial Bank 3.74 4.24 347,187 30.38 68.81
9 Capital Community Bank Provo Utah Commercial Bank 3.73 2.61 615,323 24.32 39.18
10 Crown Bank Elizabeth N.J. Commercial Bank 3.40 2.35 577,273 15.33 31.89
Nebraska State Bank Oshkosh Neb. Commercial Bank 3.40 3.67 68,288 25.54 35.39
12 Spring Valley Bank Wyoming Ohio Commercial Bank 3.36 3.86 77,639 8.57 39.69
13 Noah Bank Elkins Park Pa. Commercial Bank 3.30 0.51 275,185 31.01 113.87
14 Charter Bank Corpus Christi Tex. Commercial Bank 3.08 3.21 316,057 51.94 48.57
New Century Bank Belleville Kan. Commercial Bank 3.08 2.84 59,825 23.51 59.30
16 PrinsBank Prinsburg Minn. Commercial Bank 2.98 2.44 179,650 20.43 61.15
17 FNB South Alma Ga. Commercial Bank 2.97 2.82 552,932 20.16 38.92
18 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 2.90 3.15 510,869 33.09 39.96
WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 2.90 2.92 649,801 36.13 41.94
20 Lowry State Bank Lowry Minn. Commercial Bank 2.87 1.45 65,910 35.27 42.52
21 Grant County State Bank Swayzee Ind. Commercial Bank 2.82 2.55 286,278 25.60 24.24
22 Apex Bank Camden Tenn. Commercial Bank 2.81 4.26 982,738 19.51 34.21
23 Frontier State Bank Oklahoma City Okla. Commercial Bank 2.78 1.48 468,617 19.04 34.74
24 Murphy Bank Fresno Calif. Commercial Bank 2.75 2.81 361,050 23.15 41.89
25 Peoples Community Bank Greenville Mo. Commercial Bank 2.72 3.61 650,610 17.40 39.89
26 Quantum National Bank Suwanee Ga. Commercial Bank 2.71 2.82 659,711 27.17 43.98
27 Coffee County Bank Manchester Tenn. Commercial Bank 2.70 2.74 290,879 28.37 47.90
28 The Bippus State Bank Huntington Ind. Commercial Bank 2.69 2.50 295,787 24.93 44.35
29 Home Bank of California San Diego Calif. Commercial Bank 2.67 3.17 226,118 21.90 41.34
30 Douglas National Bank Douglas Ga. Commercial Bank 2.66 2.83 265,566 32.10 43.21
31 Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 2.64 3.15 296,073 21.39 46.15
Farmers & Merchants Union Bank Columbus Wis. Commercial Bank 2.64 2.41 425,645 21.01 43.26
33 First Bank Erick Okla. Commercial Bank 2.62 1.99 105,263 25.74 46.95
34 EvaBank Cullman Ala. Commercial Bank 2.61 2.55 403,882 9.37 39.03
Iowa State Bank Sac City Iowa Commercial Bank 2.61 2.00 175,480 25.50 35.14
36 Solera National Bank Lakewood Colo. Commercial Bank 2.59 2.27 816,415 38.70 34.15
37 Commercial Capital Bank Delhi La. Commercial Bank 2.58 2.05 259,822 24.20 48.03
Liberty Bank, Inc. Salt Lake City Utah Commercial Bank 2.58 -8.23 12,614 22.15 85.66
39 First National Bank and Trust Company of Weatherford Weatherford Tex. Commercial Bank 2.55 0.97 968,772 31.92 51.09
40 The Waggoner National Bank of Vernon Vernon Tex. Commercial Bank 2.52 2.97 375,873 26.08 40.11
41 NewFirst National Bank El Campo Tex. Commercial Bank 2.51 4.12 901,672 24.51 41.76
42 T Bank, National Association Dallas Tex. Commercial Bank 2.50 2.03 579,170 15.83 62.34
The First National Bank of Bangor Bangor Wis. Commercial Bank 2.50 2.15 278,172 9.33 19.86
44 The Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 2.49 2.42 966,843 25.40 49.85
45 First Eagle Bank Chicago Ill. Commercial Bank 2.48 2.29 580,815 14.67 36.84
PromiseOne Bank Duluth Ga. Commercial Bank 2.48 3.03 619,217 24.85 43.65
47 Red River State Bank Halstad Minn. Commercial Bank 2.47 0.57 131,889 23.30 40.03
48 McKenzie Banking Company McKenzie Tenn. Commercial Bank 2.46 2.48 192,552 24.11 51.83
49 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.44 3.11 79,548 27.39 37.40
Premier Bank Rock Valley Iowa Commercial Bank 2.44 2.08 527,724 18.07 32.95
51 Community Bank & Trust, Waco, Texas Waco Tex. Commercial Bank 2.43 1.00 561,455 21.72 47.48
52 Main Bank Albuquerque N.M. Commercial Bank 2.42 2.57 251,384 30.73 36.81
Mid-America Bank Baldwin City Kan. Commercial Bank 2.42 2.02 324,221 22.99 42.43
The Commercial Bank Crawford Ga. Commercial Bank 2.42 2.08 392,555 42.99 44.77
55 First Iowa State Bank Keosauqua Iowa Commercial Bank 2.41 2.35 145,722 30.67 56.18
56 Kentucky Farmers Bank Corporation Ashland Ky. Commercial Bank 2.38 3.04 260,608 16.67 45.08
Premier Bank Dubuque Iowa Commercial Bank 2.38 1.28 374,126 34.02 62.22
The Bank of Advance Advance Mo. Commercial Bank 2.38 2.24 431,296 20.49 47.37
59 Louisiana National Bank Ruston La. Commercial Bank 2.37 1.13 369,632 24.39 60.27
Lusk State Bank Lusk Wyo. Commercial Bank 2.37 2.88 69,034 19.54 45.58
61 Portage Bank Bellevue Wash. Commercial Bank 2.36 2.39 54,030 24.98 49.13
62 Community Bank of Easton Easton Ill. Commercial Bank 2.35 2.43 42,481 10.78 15.70
The Buckholts State Bank Buckholts Tex. Commercial Bank 2.35 2.03 109,861 16.22 38.94
The First Bank of Baldwin Baldwin Wis. Commercial Bank 2.35 1.55 243,593 43.56 52.53
65 Peoples Bank of the South La Follette Tenn. Commercial Bank 2.34 2.59 195,079 22.49 49.35
66 Central State Bank State Center Iowa Commercial Bank 2.33 2.25 408,986 23.06 35.86
The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.33 2.97 118,369 22.01 49.89
The State Exchange Bank Lamont Okla. Commercial Bank 2.33 3.81 98,394 21.73 43.87
69 Security Bank Stephens Ark. Commercial Bank 2.32 1.78 63,558 21.11 52.64
70 American Plus Bank, National Association Arcadia Calif. Commercial Bank 2.31 1.90 592,141 12.88 25.33
Bank of Mauston Mauston Wis. Commercial Bank 2.31 2.95 409,276 21.08 40.33
72 Bank of DeSoto, National Association Desoto Tex. Commercial Bank 2.28 1.93 253,314 28.08 54.60
73 The Union Bank of Mena Mena Ark. Commercial Bank 2.27 2.02 349,949 28.01 48.75
74 Municipal Trust and Savings Bank Bourbonnais Ill. Commercial Bank 2.26 1.81 361,460 16.85 36.87
UniBank Lynnwood Wash. Commercial Bank 2.26 2.32 522,899 16.01 47.59
76 Bank Northwest Hamilton Mo. Commercial Bank 2.25 2.69 191,708 26.94 43.27
Century Bank Lucedale Miss. Commercial Bank 2.25 0.83 456,780 29.85 38.72
First Security State Bank Evansdale Iowa Commercial Bank 2.25 1.39 96,851 20.08 52.27
Peoples State Bank Cherryvale Kan. Commercial Bank 2.25 2.88 18,673 9.09 57.13
80 The First National Bank of Eldorado Eldorado Tex. Commercial Bank 2.24 3.90 73,037 13.64 55.96
81 Citizens Savings Bank Marshalltown Iowa Commercial Bank 2.23 1.81 77,032 27.23 49.47
The Bank of Kremlin Kremlin Okla. Commercial Bank 2.23 2.09 344,555 19.74 42.50
83 Bank of Alma Alma Wis. Commercial Bank 2.21 4.74 294,471 4.88 14.67
LincolnWay Community Bank New Lenox Ill. Commercial Bank 2.21 1.63 287,931 19.22 43.92
85 First State Bank Clute Tex. Commercial Bank 2.19 1.80 289,238 25.85 50.22
The Greenwood's State Bank Lake Mills Wis. Commercial Bank 2.19 1.23 521,999 20.42 50.13
87 Farmers Bank and Trust Company Blytheville Ark. Commercial Bank 2.18 1.65 326,286 23.37 47.68
First Bank and Trust Company of Illinois Palatine Ill. Commercial Bank 2.18 1.44 214,588 23.16 58.42
89 Citizens State Bank Miles Tex. Commercial Bank 2.17 2.28 224,149 24.55 41.02
CS Bank Eureka Springs Ark. Commercial Bank 2.17 2.15 499,694 22.87 52.01
91 Bank of St. Francisville Saint Francisville La. Commercial Bank 2.16 1.74 219,702 21.73 58.60
State Bank of New Richland New Richland Minn. Commercial Bank 2.16 2.74 111,709 21.88 48.81
93 McClave State Bank McClave Colo. Commercial Bank 2.15 1.51 48,417 15.16 44.26
The First State Bank Boise City Okla. Commercial Bank 2.15 3.80 102,213 29.32 46.04
95 Community State Bank Bradley Ark. Commercial Bank 2.14 2.43 25,677 16.48 57.97
First State Bank and Trust Company, Inc. Caruthersville Mo. Commercial Bank 2.14 1.57 511,368 20.95 52.35
Northwest Bank & Trust Company Davenport Iowa Commercial Bank 2.14 2.76 213,790 22.44 67.31
State Bank of Downs Downs Kan. Commercial Bank 2.14 1.30 127,126 19.06 44.21
The Breda Savings Bank Breda Iowa Commercial Bank 2.14 2.96 77,356 34.28 18.22
100 Park Ridge Community Bank Park Ridge Ill. Commercial Bank 2.13 2.22 457,880 15.56 39.29
The First National Bank of Le Center Lonsdale Minn. Commercial Bank 2.13 1.00 133,112 21.66 52.34
102 Commerce Bank Corinth Miss. Commercial Bank 2.12 1.13 156,019 26.11 53.90
Dundee Bank Omaha Neb. Commercial Bank 2.12 3.15 557,402 24.80 53.14
The Jefferson Bank Greenville Miss. Commercial Bank 2.12 1.09 168,595 14.96 41.58
105 Guaranty Bank & Trust Company of Delhi Delhi La. Commercial Bank 2.11 1.83 344,257 24.03 55.85
The First National Bank at Paris Paris Ark. Commercial Bank 2.11 3.16 241,595 18.85 56.07
107 Bank of Perry County Lobelville Tenn. Commercial Bank 2.10 1.87 206,493 24.20 51.31
Crossroads Bank Yoakum Tex. Commercial Bank 2.10 2.40 304,485 33.57 44.76
The Bennington State Bank Salina Kan. Commercial Bank 2.10 1.79 979,309 25.19 38.57
110 VisionBank Saint Louis Park Minn. Commercial Bank 2.09 2.71 187,626 23.12 33.86
111 Bank of Delight Delight Ark. Commercial Bank 2.08 1.19 162,364 16.16 44.81
Tolleson Private Bank Dallas Tex. Commercial Bank 2.08 2.10 903,599 28.36 42.57
113 Grand Ridge National Bank Grand Ridge Ill. Commercial Bank 2.07 1.56 303,733 16.91 49.30
Great American Bank Lawrence Kan. Commercial Bank 2.07 2.10 344,868 14.36 51.94
Integrity Bank Plus Wabasso Minn. Commercial Bank 2.07 1.05 90,863 27.97 49.95
Middletown State Bank Middletown Ill. Commercial Bank 2.07 2.03 40,383 23.09 37.71
Riverside Bank Sparkman Ark. Commercial Bank 2.07 2.42 63,144 23.47 57.53
Security Bank of Southwest Missouri Cassville Mo. Commercial Bank 2.07 2.11 110,435 20.66 52.28
The First State Bank Louise Tex. Commercial Bank 2.07 2.09 804,328 32.24 51.52
120 F & C Bank Holden Mo. Commercial Bank 2.06 3.14 319,620 20.67 57.32
The First National Bank of Ballinger Ballinger Tex. Commercial Bank 2.06 1.64 261,200 28.69 54.44
Wells Bank Platte City Mo. Commercial Bank 2.06 1.95 366,126 25.12 45.81
123 Bank of Cleveland Cleveland Tenn. Commercial Bank 2.05 2.06 356,485 13.67 52.68
Brighton Bank Salt Lake City Utah Commercial Bank 2.05 2.18 306,164 25.88 49.23
Financial Federal Bank Memphis Tenn. Commercial Bank 2.05 1.93 818,805 17.11 41.73
126 Seattle Bank Seattle Wash. Savings Bank 2.04 0.86 751,551 16.30 43.40
The First National Bank and Trust Company, Chickasha, Oklahoma Chickasha Okla. Commercial Bank 2.04 1.85 986,168 20.25 43.98
The First National Bank of Lindsay Lindsay Okla. Commercial Bank 2.04 2.30 83,494 16.86 41.94
The Southern Bank Company Gadsden Ala. Commercial Bank 2.04 0.63 115,791 22.14 61.37
130 Auburn Banking Company Auburn Ky. Commercial Bank 2.03 1.78 112,218 30.57 53.06
Burling Bank Chicago Ill. Commercial Bank 2.03 1.56 197,746 21.92 51.13
Carson Community Bank Stilwell Okla. Commercial Bank 2.03 1.97 165,603 32.29 57.12
Gateway Bank Rison Ark. Commercial Bank 2.03 1.65 114,916 20.99 51.54
Union Bank & Trust Company Monticello Ark. Commercial Bank 2.03 1.55 274,526 25.75 54.15
135 Bank of Texas Midland Tex. Commercial Bank 2.02 1.79 571,704 18.26 33.41
Bellevue State Bank Bellevue Iowa Commercial Bank 2.02 2.14 156,533 19.20 38.06
Continental Bank Salt Lake City Utah Commercial Bank 2.02 3.13 193,269 12.58 62.80
International Bank of Chicago Chicago Ill. Commercial Bank 2.02 1.27 872,772 19.04 42.30
Pioneer Trust Bank, National Association Salem Ore. Commercial Bank 2.02 2.11 749,862 18.92 35.40
140 Bank of Ontario Ontario Wis. Commercial Bank 2.01 1.83 69,192 19.51 57.39
First Missouri Bank Brookfield Mo. Commercial Bank 2.01 1.93 377,030 20.53 52.58
Hodge Bank & Trust Company Hodge La. Commercial Bank 2.01 1.50 83,494 12.77 47.66
MRV Banks Sainte Genevieve Mo. Commercial Bank 2.01 2.08 644,478 21.76 36.86
144 BankFirst Norfolk Neb. Commercial Bank 2.00 1.56 976,734 16.32 37.12
Flagler Bank West Palm Beach Fla. Commercial Bank 2.00 2.15 480,820 23.23 40.15
Security State Bank Farwell Tex. Commercial Bank 2.00 1.77 257,382 19.50 35.20
147 Community Bank of Oelwein Oelwein Iowa Commercial Bank 1.99 1.23 110,034 16.66 35.63
Farmers and Merchants State Bank of Appleton Appleton Minn. Commercial Bank 1.99 1.72 61,691 18.32 44.26
Goodfield State Bank Goodfield Ill. Commercial Bank 1.99 2.39 177,648 18.35 52.14
The Bank of the West Thomas Okla. Commercial Bank 1.99 2.00 171,358 16.58 54.09
151 Citizens Bank of Las Cruces Las Cruces N.M. Commercial Bank 1.98 2.00 923,407 27.45 53.38
Citizens Community Bank Winchester Tenn. Commercial Bank 1.98 1.43 301,177 19.20 39.49
First NaturalState Bank McGehee Ark. Commercial Bank 1.98 0.88 86,909 22.13 45.11
Heartland Bank Somers Iowa Commercial Bank 1.98 2.42 212,337 19.30 54.94
155 First Bank of Ohio Tiffin Ohio Commercial Bank 1.97 1.99 286,357 6.86 31.73
HNB National Bank Hannibal Mo. Commercial Bank 1.97 2.82 671,244 18.68 50.80
State Bank of Taunton Taunton Minn. Commercial Bank 1.97 2.32 60,771 25.71 63.97
158 First Bank of Owasso Owasso Okla. Commercial Bank 1.96 2.13 621,678 19.28 44.43
Lamont Bank of St. John Saint John Wash. Commercial Bank 1.96 2.02 67,295 17.51 34.31
Welch State Bank of Welch, Okla. Welch Okla. Commercial Bank 1.96 3.12 356,902 22.04 57.10
161 Exchange Bank and Trust Company Perry Okla. Commercial Bank 1.95 1.61 388,333 25.66 56.19
Schertz Bank & Trust Schertz Tex. Commercial Bank 1.95 1.60 652,850 18.90 35.24
Springfield State Bank Springfield Ky. Commercial Bank 1.95 1.23 381,473 17.11 20.09
Western Commerce Bank Carlsbad N.M. Commercial Bank 1.95 1.58 617,420 25.17 50.92
165 Central State Bank Calera Ala. Commercial Bank 1.94 1.76 493,680 22.07 51.69
First National Bank Oldham S.D. Commercial Bank 1.94 2.45 408,411 15.20 46.60
Four Corners Community Bank Farmington N.M. Commercial Bank 1.94 1.38 482,893 21.48 50.87
Lamar Bank and Trust Company Lamar Mo. Commercial Bank 1.94 2.50 231,656 23.62 52.55
The City National Bank and Trust Company of Lawton, Oklahoma Lawton Okla. Commercial Bank 1.94 0.84 418,684 16.06 80.62
170 Bank of Columbia Columbia Ky. Commercial Bank 1.93 3.68 176,770 22.24 57.78
Benton County State Bank Blairstown Iowa Commercial Bank 1.93 1.86 48,956 15.01 45.82
The Denison State Bank Holton Kan. Commercial Bank 1.93 2.42 437,248 17.25 48.35
The Payne County Bank Perkins Okla. Commercial Bank 1.93 2.23 216,584 13.73 54.53
174 First Community Bank of Central Alabama Wetumpka Ala. Commercial Bank 1.92 1.64 541,022 43.55 52.28
First National Bank of Las Animas Las Animas Colo. Commercial Bank 1.92 2.20 554,925 24.41 46.39
HomeBank Texas Seagoville Tex. Commercial Bank 1.92 2.21 300,600 20.01 51.18
Providence Bank Rocky Mount N.C. Commercial Bank 1.92 1.68 749,059 17.06 34.90
The National Bank of Andrews Andrews Tex. Commercial Bank 1.92 1.85 264,361 21.90 64.85
Tioga State Bank, N.A. Spencer N.Y. Commercial Bank 1.92 1.60 542,207 19.48 46.94
180 Bank of Salem Salem Ark. Commercial Bank 1.91 2.48 182,794 19.06 54.27
Casey State Bank Casey Ill. Commercial Bank 1.91 1.22 419,743 21.75 45.21
Putnam 1st Mercantile Bank Cookeville Tenn. Commercial Bank 1.91 1.31 151,215 23.07 49.95
The HomeTown Bank of Alabama Oneonta Ala. Commercial Bank 1.91 1.66 535,277 18.50 54.71
184 Farmers & Merchants Bank of Colby Colby Kan. Commercial Bank 1.90 1.86 335,911 13.61 33.33
First IC Bank Doraville Ga. Commercial Bank 1.90 1.72 980,216 18.20 49.05
186 State Bank of Chilton Chilton Wis. Commercial Bank 1.89 1.78 421,239 18.82 44.39
187 American Continental Bank City of Industry Calif. Commercial Bank 1.88 1.56 324,449 14.06 44.51
Empire State Bank Staten Island N.Y. Commercial Bank 1.88 0.99 504,516 19.32 52.55
High Plains Bank Keyes Okla. Commercial Bank 1.88 1.95 159,092 14.37 50.93
Merchants State Bank Freeman S.D. Commercial Bank 1.88 1.86 223,805 18.64 47.70
NewBank Flushing N.Y. Commercial Bank 1.88 2.71 563,960 17.28 45.12
Port Richmond Savings Philadelphia Pa. Savings Bank 1.88 2.31 105,723 11.47 40.23
193 All America Bank Oklahoma City Okla. Commercial Bank 1.87 1.66 493,662 19.11 52.76
CNB Bank Carlsbad N.M. Commercial Bank 1.87 2.32 621,648 22.88 50.10
Farmers State Bank of Trimont Trimont Minn. Commercial Bank 1.87 1.24 71,614 13.65 51.70
First State Bank of Bedias Bedias Tex. Commercial Bank 1.87 1.48 210,721 13.86 49.24
Security Bank Tulsa Okla. Commercial Bank 1.87 1.93 762,068 18.86 39.21
TrustBank Olney Ill. Commercial Bank 1.87 1.66 421,588 19.15 63.05
West Town Bank & Trust North Riverside Ill. Commercial Bank 1.87 3.56 389,211 15.45 66.69
200 Bank of Odessa Odessa Mo. Commercial Bank 1.86 1.47 367,524 12.97 29.52
200 Community Bank Longview Tex. Commercial Bank 1.86 2.18 298,973 18.93 43.05
200 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 1.86 2.79 133,260 19.68 52.51
200 First Community Bank Milton Wis. Commercial Bank 1.86 2.88 136,583 23.53 52.84
200 Primebank Le Mars Iowa Commercial Bank 1.86 2.33 588,138 18.26 46.98
200 Sicily Island State Bank Sicily Island La. Commercial Bank 1.86 2.12 75,894 15.59 62.47
200 The Citizens Bank of Clovis Clovis N.M. Commercial Bank 1.86 1.18 431,737 23.33 42.72

Note: Independent banks and thrifts operating as of Aug. 19, 2022 with less than $1 billion of assets or whose holding companies have less than $1 billion.

Excludes industrial banks and those at which loans were less than half of assets or whose credit card loans exceeded 25% of gross loans.

© 2022 American Banker

Source: https://www.spglobal.com/en/

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