U.S. BANKER RANKINGS       
The Second Hundred Largest Community Banks — Fiscal Year 2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $1.12 Bil. to $673 Mil.
As of Dec. 31, 2000, except where otherwise noted

        Total Equity/ 1-Yr 1-Yr 1-Yr EPS 1-Yr EPS 1-Yr
1-Yr       Assets Assets ROAE ROAE Growth Growth TOTAL
RANK Company Industry Ticker ($Mil.) (%) (%) RANK (%) RANK SCORE
                   
1 Suffolk Bancorp, Riverhead, NY Bank SUBK 1,050 8.39 20.42 2 25.00 17 19
2 Hanmi Financial Corp., Los Angeles Bank HAFC 1,035 8.35 19.81 3 28.28 16 19
3 S.Y. Bancorp, Louisville, KY Bank SYI 852 7.07 21.21 1 20.57 20 21
4 MetroWest Bank, Farmingham, MA Thrift MWBX 882 6.94 17.97 8 30.91 13 21
5 Camden National Corp., Camden, ME Bank CAC 1,011 8.99 16.43 17 33.07 9 26
6 Prosperity Bancshares, Houston Bank PRSP 703 7.48 17.41 10 23.33 18 28
7 Tucker Anthony Sutro, Boston Broker/Dealer TA 798 41.51 15.61 24 35.66 6 30
8 Boston Private Financial Holdings, Boston Bank BPFH 922 10.69 16.97 13 21.67 19 32
9 NASB Financial, Grandview, MO*** Thrift NASB 985 8.50 17.69 9 16.43 28 37
10 Centennial Bancorp, Eugene, OR Bank CEBC 853 10.57 17.15 12 17.31 25 37
11 Lakeland Bancorp, Oak Ridge, NJ Bank LBAI 907 8.67 13.43 39 87.50 2 41
12 Arrow Financial Corp., Glens Falls, NY Bank AROW 1,081 7.47 18.60 7 12.05 37 44
13 Coastal Financial Corp., Myrtle Beach, SC*** Thrift CFCP 769 6.11 19.52 6 10.78 41 47
14 Main Street Banks, Kennesaw, GA Bank MSBK 1,009 8.57 16.67 15 14.10 32 47
15 Century Bancorp, Medford, MA Bank CNBKA 1,084 6.60 16.09 20 16.67 27 47
16 Capital Corp of the West, Merced, CA Bank CCOW 683 7.83 13.81 35 31.73 12 47
17 Capital Crossing Bank, Boston Bank CAPX 771 8.87 13.84 33 29.20 15 48
18 Oak Hill Financial, Jackson, OH Bank OAKF 695 7.18 12.94 46 59.21 3 49
19 SJNB Financial Corp., San Jose, CA Bank SJNB 688 9.24 15.33 25 17.28 26 51
20 Abington Bancorp, Abington, MA Thrift ABBK 728 4.71 15.14 27 17.50 24 51
21 First National Corp., Orangeburg, SC Bank FNC 970 8.76 13.14 43 31.86 11 54
22 Central Coast Bancorp, Salinas, CA Bank CCBN 707 8.47 16.01 22 14.00 33 55
23 Community Banks, Millersburg, PA Bank CTY 1,121 7.77 16.84 14 10.39 42 56
24 HF Financial Corp., Sioux Falls, SD** Thrift HFFC 725 6.47 11.27 57 458.33 1 58
25 NBC Capital Corp., Starkville, MS Bank NBY 1,010 11.90 12.15 52 34.25 7 59
26 UNB Corp., Canton, OH Bank UNBO 1,054 7.20 19.76 5 5.47 55 60
27 American Bank of Connecticut, Waterbury, CT Thrift BKC 907 7.94 16.57 16 9.52 47 63
28 TriCo Bancshares, Chico, CA Bank TCBK 972 8.77 16.03 21 10.26 43 64
29 Progress Financial Corp., Blue Bell, PA Thrift PFNC 914 5.49 15.16 26 10.91 39 65
30 First Defiance Financial Corp., Defiance, OH Thrift FDEF 1,072 9.28 11.71 55 32.56 10 65
31 Farmers & Merchants, Lodi, CA Bank FMCB 906 10.04 12.94 45 20.51 21 66
32 Bancorp Rhode Island, Providence, RI Bank BARI 739 7.21 11.58 56 30.70 14 70
33 State Bancorp, New Hyde Park, NY Bank STB 1,021 7.08 17.39 11 3.70 61 72
34 Lafayette Bancorp., Lafayette, IN Bank LAYB 741 7.12 14.11 32 10.83 40 72
35 ABC Bancorp, Moultrie, GA Bank ABCB 826 9.76 13.19 42 15.53 30 72
36 Hills Bancorp., Hills, IA Bank HBIA 876 7.82 14.94 28 9.72 45 73
37 Rurban Financial Corp., Defiance, OH Bank RBNF 701 7.15 13.05 44 16.39 29 73
38 Merchants Bancshares, Burlington, VT Bank MBVT 746 9.04 16.12 19 4.18 59 78
39 Interchange Financial Services Corp., Saddle Brook, NJ Bank IFCJ 770 8.05 16.18 18 3.68 63 81
40 Glacier Bancorp, Kalispell, MT Bank GBCI 1,057 9.28 15.83 23 5.22 58 81
41 FVNB Corp., Victoria, TX Bank FVNB 709 9.51 12.47 50 14.14 31 81
42 PrivateBancorp, Chicago Bank PVTB 830 6.54 8.72 74 33.33 8 82
43 People's Bancshares, New Bedford, MA Thrift PBKB 1,003 1.77 19.78 4 -9.03 79 83
44 Granite State Bankshares, Keene, NH Bank GSBI 955 7.69 14.25 31 6.43 53 84
45 Union Bankshares Corp., Bowling Green, VA Bank UBSH 882 8.88 10.60 62 20.24 22 84
46 Vista Bancorp, Phillipsburg, NJ Bank VBNJ 695 7.76 13.65 37 8.66 49 86
47 Firstbank Corp., Alma, MI Bank FBMI 733 8.76 13.63 38 9.49 48 86
48 CNB Financial Corp., Canajoharie, NY Bank CNBF 951 6.64 12.52 49 12.05 38 87
49 HMN Financial, Spring Valley, MN Thrift HMNF 716 9.31 9.81 67 19.86 23 90
50 Banc Corp., Birmingham, AL Bank TBNC 1,029 7.27 6.03 86 50.00 4 90
51 First National Bancorp, Joliet, IL Bank FNBJ 1,068 8.99 12.61 48 9.86 44 92
52 First United Corp., Oakland, MD Bank FUNC 848 7.73 13.40 40 5.38 57 97
53 Chemung Financial Corp., Elmira, NY Bank CHMG 676 10.99 12.86 47 5.42 56 103
54 Aames Financial Corp., Los Angeles** Specialty Lender AAM 790 9.42 -111.23 100 48.00 5 105
55 Heritage Commerce Corp., San Jose, CA Bank HTBK 846 7.77 9.07 72 13.95 34 106
56 TF Financial Corp., Newtown, PA Thrift THRD 723 7.34 9.18 71 12.50 36 107
57 Home Federal Bancorp, Seymour, IN** Thrift HOMF 832 8.35 13.84 34 -3.59 74 108
58 Baylake Corp., Sturgeon Bay, WI Bank BYLK 772 6.88 13.76 36 -3.33 73 109
59 PennRock Financial Services Corp., Blue Ball, PA Bank PRFS 911 7.97 14.93 29 -10.61 81 110
60 American Bancorp., Wheeling, WV Bank AMBC 705 5.75 14.39 30 -12.28 82 112
61 FMS Financial Corp., Burlington, NJ Thrift FMCO 839 5.65 11.14 59 5.71 54 113
62 Camco Financial Corp., Cambridge, OH Thrift CAFI 1,038 7.59 10.11 65 7.84 51 116
63 Bank of the Ozarks, Little Rock, AR Bank OZRK 827 5.85 13.21 41 -8.57 77 118
64 FNB Financial Services Corp., Reidsville, NC Bank FNBF 686 8.22 8.96 73 9.68 46 119
65 Southside Bancshares Corp., St. Louis Bank SBCO 737 9.41 9.76 68 6.94 52 120
66 First Bell Bancorp, Pittsburgh Thrift FBBC 833 7.40 12.28 51 -2.48 71 122
67 MASSBANK Corp., Reading, MA Thrift MASB 939 11.53 10.93 60 3.69 62 122
68 Community Savings Bankshares, North Palm Beach, FL Thrift CMSV 963 11.68 5.58 89 13.85 35 124
69 Umpqua Holdings Corp., Roseburg, OR Bank UMPQ 786 10.03 11.94 54 -3.17 72 126
70 Omega Financial Corp., State College, PA Bank OMEF 1,114 13.93 11.18 58 1.08 68 126
71 LSB Bancshares, Lexington, NC Bank LXBK 796 9.33 12.04 53 -5.50 75 128
72 Brookline Bancorp, Brookline, MA Thrift BRKL 1,036 27.27 7.83 80 8.11 50 130
73 Main Street Trust, Champaign, IL Bank MSTI 1,091 11.49 10.03 66 2.78 65 131
74 FFLC Bancorp, Leesburg, FL Thrift FFLC 711 8.33 9.24 70 -0.68 69 139
75 Cascade Financial Corp., Everett, WA** Thrift CASB 676 5.51 10.38 63 -8.70 78 141
76 Horizon Financial Corp., Bellingham, WA* Thrift HRZB 714 13.44 9.35 69 -6.48 76 145
77 Thistle Group Holdings, Co., Philadelphia Thrift THTL 700 11.86 6.80 85 4.17 60 145
78 Exchange National Bancshares, Jefferson City, MO Bank EXJF 720 10.23 8.49 76 -0.97 70 146
79 GA Financial, Pittsburgh Thrift GAF 889 10.42 7.79 81 1.64 67 148
80 Citizens & Northern Corp., Wellsboro, PA Bank CZNC 719 12.37 10.76 61 -26.15 88 149
81 First Federal Bancshares of Arkansas, Harrison, AR Thrift FFBH 714 10.73 7.21 83 1.91 66 149
82 MetroCorp Bancshares, Houston Bank MCBI 737 7.97 10.26 64 -21.00 86 150
83 Columbia Bancorp, Columbia, MD Bank CBMD 813 7.94 8.36 77 -9.88 80 157
84 AMRESCO, Dallas Specialty Lender AMMB 715 23.16 -69.70 99 3.00 64 163
85 First Bancorp, Troy, NC Bank FBNC 915 12.09 8.49 75 -27.97 89 164
86 Fidelity National Corp., Atlanta Bank LION 948 6.11 6.80 84 -16.98 84 168
87 PAB Bankshares, Valdosta, GA Bank PAB 795 8.90 8.10 78 -32.58 91 169
88 Sun Bancorp, Selinsgrove, PA Bank SUBI 744 8.41 7.96 79 -46.88 93 172
89 First M & F Corp., Kosciusko, MS Bank FMFC 1,020 9.51 7.70 82 -28.84 90 172
90 Klamath First Bancorp, Klamath Falls, OR*** Thrift KFBI 996 10.92 5.82 88 -20.34 85 173
91 Ambanc Holding Co., Amsterdam, NY Thrift AHCI 707 10.91 4.66 92 -12.64 83 175
92 First Mariner Bancorp, Baltimore Bank FMAR 677 4.11 2.85 93 -23.08 87 180
93 German American Bancorp, Jasper, IN Bank GABC 1,080 9.01 5.52 90 -45.05 92 182
94 Drovers Bancshares Corp., York, PA Bank DROV 796 6.93 5.88 87 -59.87 96 183
95 UnionBancorp, Ottawa, IL Bank UBCD 759 7.78 5.09 91 -48.03 94 185
96 State Financial Services Corp., Hales Corners, WI Bank SFSW 1,081 9.85 2.73 94 -52.50 95 189
97 Premier Financial Bancorp, Georgetown, KY Bank PFBI 890 6.27 2.53 95 -70.45 97 192
98 SouthBanc Shares, Anderson, SC*** Thrift SBAN 673 11.91 -1.62 96 -117.37 98 194
99 New Century Financial Corp., Irvine, CA Specialty Lender NCEN 837 18.17 -14.16 97 -183.41 99 196
100 Resource Bancshares Mortgage Grp, Columbia, SC Specialty Lender RBMG 1,070 14.19 -23.23 98 -953.57 100 198

* Fiscal year ended March 30, 2000
** Fiscal year ended June 30, 2000
*** Fiscal year ended Sept. 30, 2000
+ Diluted EPS after extraordinary items
Where total score is equal, company with the higher ROAE receives the superior rank.
Includes only those companies for which necessary ROAE and EPS data were available.
Source: Raw data from SNL Securities

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.