Performance among banks and thrifts with $2 billion to $10 billion of assets has not changed much over the past year, judging from our annual ranking.

This year 52 institutions show a three-year average return on equity in the double digits, up only slightly from last year's 49, according to data from SNL Financial.

It is perhaps even more telling that for just as many institutions in this size range — fully 52 of them — net income fell in 2013 compared with the year earlier. Two others posted losses in both years, with just one of those narrowing the loss for 2013.

Republic Bancorp's 79% drop in annual net income stands out as the harshest change. The Louisville, Ky., company, which, due to regulatory pressure, exited its lucrative tax-refund anticipation loan business as of 2013, still managed to stay in our top 10. It slid only four notches to seventh place, with a 16.62% three-year average ROE buoyed by the results for 2012 and 2011. But the 4.65% ROE it posted for 2013 hardly bodes well.

Of those in the top 25, all but eight are repeats from last year, though in most cases their order is shuffled around. At least three of those newbies — Olney Bancshares of Texas, Farmers & Merchants Bancorp. and CNB Financial Corp. — are making their debut on the list, having grown their assets past the $2 billion threshold by yearend.

Just as the majority of the best performers are familiar names from last year, so are the poor performers. But some are making dramatic changes that might help improve their standings.

Sun Bancorp, which is among those languishing near the bottom of the ranking once again, announced in July a major cost-cutting initiative under its newly appointed president and CEO, Thomas O'Brien. It plans to eliminate 242 jobs, or nearly 40% of its work force, and exit its retail mortgage, health care and asset-based lending businesses, in an effort to slash annual expenses by nearly $17 million.

Our ranking uses regulatory data, but since those registered as subchapter S corporations are not subject to federal corporate income tax, the ROEs for those institutions are adjusted accordingly to allow for a fair comparison with their peers.

To minimize the impact of deferred tax assets, the ranking excludes 28 institutions for which a negative provision for taxes contributed more than 10% to net income in 2013, 2012 or 2011. Also excluded are 34 institutions for which a three-year average ROE is unavailable.

These exclusions — along with several others listed in the footnotes — narrowed the list of public and private institutions in this ranking to 153, out of the 251 nationwide that are in the mid-tier size range.

Mid-Tier Banks Ranked by 3-Year Average ROE
  2013  
Rank Institution Location Total
Assets
($B)
3-year
ROAE
($%)
 
ROAE
(%)
 
ROAA
(%)
Tangible
Equity/Tang.
Assets (%)
Efficiency
Ratio
FTE (%)
 
NIM
(%)
Total
Noninterest
Income ($M)
Net
Income
($M)
2012 Net
Income
($M)
1 Fremont Bancorp.* Fremont, CA 2.51 28.09 28.8 2.22 8.03 61.64 3.92 130,574 80,986 75,573
2 Bank of the Ozarks Little Rock, AR 4.79 19.82 15.61 2.04 12.71 45 5.64 71,776 87,135 77,044
3 State Bankshares Fargo, ND 2.95 18.99 14.69 1.08 6.75 73.6 3.89 79,143 29,211 30,764
4 First Security Bancorp Searcy, AR 4.46 18.03 16.47 2.32 14.08 38.66 5.97 70,908 103,344 103,051
5 Heartland Bancorp * Bloomington, IL 2.57 17.92 13.77 1.14 8.17 51.58 4.26 42,471 43,467 64,722
6 Woodforest Financial Group * The Woodlands, TX 3.96 17.13 14.95 1.14 7.4 86.8 2.26 421,182 66,596 76,727
7 Republic Bancorp Louisville, KY 3.37 16.62 4.65 0.75 15.84 72.7 3.35 47,968 25,423 119,339
8 Southside Bancshares Tyler, TX 3.45 16.44 17.01 1.22 6.93 56.57 3.69 26,770 41,190 34,695
9 ServisFirst Bancshares Birmingham, AL 3.52 15.49 15.63 1.33 8.44 37.98 3.8 9,169 41,617 34,445
10 Westamerica Bancorp. San Rafael, CA 4.85 14.52 12.48 1.38 8.55 49.11 4.1 59,716 67,177 81,127
11 First Financial Bankshares Abilene, TX 5.22 14.02 13.77 1.63 9.59 50.14 4.29 61,906 78,868 74,225
12 Olney Bancshares of Texas * Olney, TX 2.17 13.94 14.82 1.56 8.22 46.59 4.21 11,342 49,024 47,246
13 Burke & Herbert Bank & Trust Co. Alexandria, VA 2.56 13.71 12.3 1.34 11.15 51.61 3.96 12,263 34,570 36,616
14 German American Bancorp Jasper, IN 2.16 13.22 13.4 1.25 8.24 58.45 3.71 21,186 25,413 24,055
15 Stockman Financial Corp.* Miles City, MT 2.6 13.08 14.03 1.36 8.83 49.87 3.65 28,820 50,988 44,801
16 Stock Yards Bancorp Louisville, KY 2.39 12.99 12.35 1.22 9.5 60.88 3.72 40,113 27,170 25,801
17 Amarillo National Bancorp * Amarillo, TX 3.78 12.81 12.33 1.29 10.82 48.45 3.51 46,324 73,186 75,164
18 Arrow Financial Corp. Glens Falls, NY 2.16 12.81 12.11 1.04 7.81 59.73 3.06 27,521 21,795 22,179
19 City Holding Co. Charleston, WV 3.37 12.59 12.93 1.43 9.49 55.57 4.35 56,090 48,215 38,945
20 First Bancshares Merrillville, IN 2.35 12.5 13.3 1.23 9.4 59.16 4.05 33,393 27,494 23,957
21 Lakeland Financial Corp. Warsaw, IN 3.18 12.19 12.5 1.29 9.99 51.01 3.28 30,178 38,826 35,381
22 Southern BancShares (N.C.) Mount Olive, NC 2.27 12.11 7.79 0.7 8.45 83.26 4.37 3,277 14,605 13,608
23 Farmers & Merchants Bancorp Lodi, CA 2.08 12.06 11.71 1.21 10.11 55.27 4.03 16,345 24,061 23,349
24 CNB Financial Corp. Clearfield, PA 2.13 11.97 11.38 0.88 6.34 59.47 3.34 13,397 16,679 17,136
25 Enterprise Financial Services Clayton, MO 3.17 11.97 12.78 1.06 7.78 60.78 4.77 9,267 33,104 28,296
26 USAmeriBancorp Clearwater, FL 2.9 11.94 16.86 1.31 7.33 53.45 3.59 36,834 35,778 19,780
27 Hometown Community Bancorp * Morton, IL 2.82 11.92 12.21 0.98 7.16 51.61 3.09 14,694 37,850 35,271
28 Cardinal Financial Corp. McLean, VA 2.89 11.86 7.96 0.92 10.76 68.47 3.53 29,911 25,510 45,297
29 Home BancShares Conway, AR 6.81 11.86 11.28 1.43 7.97 52.3 5.26 38,394 66,520 63,022
30 Eagle Bancorp Bethesda, MD 3.77 11.73 12.46 1.36 10.35 49 4.33 23,784 46,683 36,022
31 Talmer Bancorp Troy, MI 4.56 11.56 16.53 2.08 13.28 72.78 4.06 202,583 98,558 21,670
32 CVB Financial Corp. Ontario, CA 6.67 11.55 12.34 1.49 10.81 45.48 3.72 22,658 95,608 77,280
33 Park National Corp. Newark, OH 6.64 11.47 11.96 1.15 8.82 55.76 4.29 73,277 77,227 78,630
34 American National Corp.* Omaha, NE 2.58 11.43 10.79 1.13 9.41 58.26 4.1 19,604 38,256 37,622
35 Washington Trust Bancorp Westerly, RI 3.19 11.41 11.66 1.18 8.51 61.44 3.27 65,542 36,153 35,074
36 Hills Bancorp. Hills, IA 2.17 11.26 9.85 1.23 12.51 54.82 3.46 19,986 25,931 26,833
37 Community Trust Bancorp Pikeville, KY 3.58 11.16 11.05 1.24 9.85 59.21 4.04 49,349 45,172 44,862
38 Bryn Mawr Bank Corp. Bryn Mawr, PA 2.06 11.16 11.53 1.23 8.84 63.47 3.96 47,631 24,444 21,147
39 Century Bancorp Medford, MA 3.43 11.14 11.57 0.6 5.07 65.07 2.23 15,475 20,046 19,039
40 Fidelity Southern Corp. Atlanta, GA 2.56 10.9 12.16 1.09 8.9 73.11 3.63 96,689 27,638 25,327
41 Pinnacle Bancorp * Central City, NE 7.66 10.87 11.05 1.15 9.14 56.95 3.55 65,869 123,051 117,025
42 BTC Financial Corp. Des Moines, IA 3.46 10.82 12.02 0.74 6.06 67.19 2.94 37,791 24,031 18,881
43 Independent Bank Group McKinney, TX 2.16 10.75 10.17 1.04 9.21 66.35 4.28 11,475 19,800 17,377
44 Great Southern Bancorp Springfield, MO 3.56 10.75 8.91 0.89 10.57 65.36 4.74 4,559 33,729 48,707
45 Camden National Corp. Camden, ME 2.6 10.74 9.74 0.89 7.12 60.31 3.21 26,954 22,783 23,428
46 First of Long Island Corp. Glen Head, NY 2.4 10.65 10.53 0.96 8.6 51.89 3.23 7,029 21,300 20,393
47 Tompkins Financial Corp. Ithaca, NY 5 10.62 11.47 1.03 7.13 64.43 3.65 69,300 50,856 31,285
48 Bremer Financial Corp. Saint Paul, MN 8.65 10.56 10.23 1.03 9.34 63.88 3.79 106,797 86,999 91,549
49 Wilshire Bancorp Los Angeles, CA 3.62 10.18 12 1.57 10.17 52.73 4.08 33,775 45,375 92,305
50 Heartland Financial USA Dubuque, IA 5.92 10.11 8.95 0.72 6.68 76.14 3.75 79,397 36,789 49,792
51 Farmers & Merchants Lincoln, NE 2.92 10.09 11.05 1.09 9.39 69.26 3.18 76,661 30,170 28,943
52 BancFirst Corp. Oklahoma City, OK 6.04 10.02 10.09 0.93 8.4 66.58 3.05 90,011 54,317 51,900
53 Western Alliance Bancorp. Phoenix, AZ 9.31 9.85 14.04 1.35 8.92 53.59 4.38 21,683 114,523 72,834
54 Financial Institutions Warsaw, NY 2.93 9.79 10.1 0.91 7.12 58.51 3.66 22,813 25,530 23,449
55 Community Bank Pasadena, CA 3.35 9.74 9.77 0.79 7.48 63.48 3.21 9,837 24,905 25,625
56 RCB Holding Co. * Claremore, OK 2.12 9.59 9.76 0.97 7.92 62 3.57 18,616 27,327 28,154
57 TriCo Bancshares Chico, CA 2.74 9.57 11.34 1.04 8.6 67.17 4.21 36,829 27,399 18,994
58 NBT Bancorp Inc. Norwich, NY 7.65 9.52 8.1 0.85 7.16 65.36 3.67 103,376 61,747 54,558
59 First Financial Corp. Terre Haute, IN 3.03 9.42 8.35 1.06 11.46 61.98 4.18 39,876 31,534 32,812
60 Community Bank System De Witt, NY 7.1 9.41 9.04 1.1 7.24 87 3.68 108,758 78,829 77,068
61 1st Source Corp. South Bend, IN 4.72 9.39 9.55 1.2 10.76 62.84 3.67 77,810 54,958 49,633
62 Boston Private Financial Boston, MA 6.44 9.3 11.45 1.13 7.98 68 3.09 134,647 70,535 53,271
63 ANB Corp. Terrell, TX 2.44 9.25 9.67 0.85 7.03 71.89 3.42 34,963 19,391 19,146
64 Independent Bank Corp. Rockland, MA 6.1 9.23 9.1 0.87 6.91 68.38 3.54 66,229 50,254 42,627
65 BBCN Bancorp Los Angeles, CA 6.48 9.21 10.37 1.35 10.96 47.39 4.43 42,152 81,755 83,224
66 Dacotah Banks Aberdeen, SD 2.11 9.2 8.92 0.91 9.63 62.32 4.05 16,680 18,382 17,854
67 Independent Bankers Financial Irving, TX 2.19 9.16 8.94 0.85 9.6 77.7 1.53 102,723 19,171 20,096
68 Square 1 Financial Durham, NC 2.33 8.93 12.24 1.07 8.05 55.47 3.81 25,679 22,383 14,372
69 SNBNY Holdings Limited New York, NY 6.67 8.9 8.04 0.59 7.18 58.72 1.72 48,165 37,751 46,772
70 Farmers & Merchants Bank Long Beach, CA 5.22 8.87 8.4 1.21 14.56 52.08 3.3 36,086 62,165 63,387
71 Alpine Banks of Colorado Glenwood Springs, CO 2.33 8.79 12.05 1.08 8.02 66.23 4.39 22,288 24,803 20,195
72 First South Bancorp * Lexington, TN 2.26 8.77 10.4 0.91 6.21 73.9 3.76 41,150 26,903 20,516
73 QCR Holdings Moline, IL 2.4 8.74 10.24 0.64 5.96 69.95 3.03 25,382 14,938 12,618
74 PacWest Bancorp Los Angeles, CA 6.54 8.74 6.28 0.74 9.2 73.48 5.54 9,364 45,115 56,801
75 Central Bancompany Jefferson City, MO 9.57 8.67 8.4 1.1 12.46 61.08 3.57 153,025 114,705 114,111
76 Stifel Financial Corp. Saint Louis, MO 9.01 8.58 8.69 1.93 15.64 90.15 1.64 1,865,326 162,013 138,573
77 First Financial Bancorp. Cincinnati, OH 6.42 8.56 6.89 0.77 9.2 73.9 4 69,885 48,349 67,303
78 United Bankshares Charleston, WV 8.74 8.52 8.46 1.01 7.88 55.19 3.61 69,528 85,628 82,607
79 Durant Bancorp * Durant, OK 2.41 8.37 11.96 1.1 8.66 70.37 3.6 62,811 37,605 24,838
80 Salem Five Bancorp Salem, MA 3.39 8.36 7.64 0.79 10.23 66.75 2.9 36,335 26,202 30,569
81 Community Trust Financial Corp. Ruston, LA 3.22 8.36 6.38 0.72 10.14 71.08 3.2 39,735 22,337 24,910
82 Sandy Spring Bancorp Olney, MD 4.11 8.34 9.11 1.11 10.29 60 3.63 47,700 44,422 36,554
83 Carter Bank & Trust Martinsville, VA 4.66 8.31 7.1 0.56 6.65 56.37 2.3 12,742 26,076 30,347
84 Lone Star National Bancshares McAllen, TX 2.21 8.26 6.53 0.68 10.06 74.68 3.63 16,580 14,448 15,564
85 Lakeland Bancorp Oak Ridge, NJ 3.32 8.21 7.79 0.81 7.46 62.45 3.7 20,122 24,969 21,742
86 North American Bancshares Sherman, TX 2.09 8.15 10.4 1.11 9.64 57.59 3.7 14,073 22,419 17,331
87 First Interstate BancSystem Billings, MT 7.57 8.13 11.05 1.16 8.31 62.33 3.57 109,201 86,136 58,224
88 Chemical Financial Corp. Midland, MI 6.19 8.11 8.61 0.96 9.35 63.19 3.59 64,870 56,808 51,008
89 Old National Bancorp Evansville, IN 9.58 8.04 8.54 1.05 8.52 68.56 4.03 181,800 100,920 91,675
90 First National Bank Alaska Anchorage, AK 3.1 8.01 7.1 1.07 14.58 62.37 3.48 30,142 32,312 40,037
91 MainSource Financial Group Greensburg, IN 2.86 7.99 8.35 0.95 8.44 68.53 3.94 42,294 26,345 27,258
92 S&T Bancorp Indiana, PA 4.53 7.97 9.21 1.12 9 59.21 3.51 51,509 50,539 34,200
93 Broadway Bancshares * San Antonio, TX 2.91 7.82 7.56 0.88 10.37 65.01 3.43 32,400 27,469 28,771
94 WesBanco Wheeling, WV 6.15 7.76 8.72 1.05 7.3 60.52 3.61 67,246 63,925 49,544
95 Peoples Bancorp Marietta, OH 2.06 7.72 7.92 0.91 7.36 72.05 3.25 37,129 17,574 20,385
96 Union Bankshares Corp. Richmond, VA 4.18 7.65 7.91 0.85 8.93 68.18 4.24 38,382 34,497 35,411
97 First Merchants Corp. Muncie, IN 5.44 7.32 8.24 1 8.25 65.42 4.02 50,961 44,530 45,122
98 Univest Corp. Souderton, PA 2.19 7.3 7.53 0.95 10.34 66.54 3.82 43,170 21,189 20,872
99 First Community Bancshares Bluefield, VA 2.6 7.21 6.53 0.87 8.83 62.75 4.07 27,907 23,312 28,577
100 INTRUST Financial Corp.* Wichita, KS 4.38 7.2 9.17 0.56 5.49 70.45 2.71 68,896 32,993 6,127
101 TowneBank Portsmouth, VA 4.67 7.02 7.4 0.93 10.02 74.68 3.63 131,687 41,762 37,931
102 W.T.B. Financial Corp. Spokane, WA 4.44 6.99 10.35 1 9.86 66.5 3.49 42,197 43,794 30,481
103 Glacier Bancorp Kalispell, MT 7.88 6.93 10.22 1.23 10.64 54.88 3.56 82,032 95,644 75,516
104 Eastern Bank Corp. Boston, MA 8.66 6.93 5.76 0.72 9.96 76.01 2.88 152,790 61,502 60,850
105 Central Bancshares Lexington, KY 2.09 6.89 6.5 0.58 8.56 77.15 3.69 32,881 12,151 12,881
106 National Penn Bancshares Allentown, PA 8.59 6.85 4.72 0.64 10.41 75.74 3.54 98,013 53,387 98,910
107 Mechanics Bank Richmond, CA 3.37 6.83 7.17 0.66 8.87 73.92 3.73 27,486 21,560 22,348
108 First Citizens Bancorp. Columbia, SC 8.37 6.79 6.23 0.55 6.84 78.33 2.72 122,701 45,003 53,835
109 BancPlus Corp. Ridgeland, MS 2.43 6.73 7.35 0.74 9.76 76.75 3.43 54,697 17,725 14,563
110 First Financial Holdings Columbia, SC 7.94 6.73 6.92 0.78 7.97 73.85 4.96 46,636 49,219 30,032
111 Provident Financial Services Jersey City, NJ 7.49 6.68 7.08 0.97 9.19 55.54 3.38 43,268 70,534 67,267
112 Bangor Bancorp, MHC Bangor, ME 3.02 6.66 6.61 0.68 9.32 73.56 3.32 35,724 20,042 19,034
113 State Bank Financial Corp. Atlanta, GA 2.61 6.6 3 0.49 16.38 115.34 8.37 -102,859 12,747 22,742
114 Ameris Bancorp Moultrie, GA 3.67 6.55 7.22 0.7 7.56 76.12 4.93 52,138 20,018 14,435
115 Cambridge Financial Group Cambridge, MA 2.58 6.5 5.65 0.59 10.17 74.33 2.93 13,484 14,735 16,083
116 First Busey Corp. Champaign, IL 3.54 6.5 6.97 0.82 10.97 66.44 3.16 62,290 28,726 22,357
117 OFG Bancorp San Juan, PR 8.16 6.38 11.58 1.16 9.76 57.7 5.81 1,342 98,446 24,555
118 Middlesex Bancorp MHC Natick, MA 4.04 6.34 6.19 0.73 11.74 67.41 2.92 13,452 29,319 27,929
119 Community Bancshares Brandon, MS 2.47 6.27 8.21 0.75 8.31 70.68 4.16 13,345 18,027 12,045
120 Columbia Banking System Tacoma, WA 7.16 6.26 6.14 0.92 10.07 73.53 5.21 79,056 60,016 46,143
121 Simmons First National Corp. Pine Bluff, AR 4.38 6.24 5.69 0.64 7.23 78.08 4.09 42,757 23,231 27,684
122 Happy Bancshares Canyon, TX 2.45 6.24 7.99 0.73 7.83 73.52 3.65 26,818 16,213 11,166
123 Firstrust Savings Bank* Conshohocken, PA 2.54 6.09 5.38 0.7 12.07 75.4 4.28 20,917 25,047 29,338
124 1867 Western Financial Corp. Stockton, CA 2.24 5.86 5.92 0.82 12.48 63.6 3.97 15,663 17,048 16,610
125 MB Financial Chicago, IL 9.64 5.84 7.59 1.05 9.55 66.2 3.59 188,648 98,455 90,374
126 Brookline Bancorp Boston, MA 5.33 5.8 5.74 0.68 8.87 62.09 3.64 13,249 35,386 37,142
127 Liberty Bank Middletown, CT 3.59 5.75 5.6 0.86 15.73 74.78 3.54 26,199 30,237 28,247
128 Renasant Corp. Tupelo, MS 5.75 5.58 6.01 0.71 6.64 71.97 3.97 67,956 33,487 26,637
129 Bancorp Wilmington, DE 4.71 5.55 7.24 0.61 7.49 61.36 2.54 80,101 25,110 16,624
130 CBFH Beaumont, TX 2.46 5 5.63 0.75 10.33 62.76 4.06 14,180 15,223 11,441
131 TriState Capital Holdings Pittsburgh, PA 2.29 4.69 4.84 0.59 12.83 60.91 2.92 5,000 12,867 10,672
132 West Suburban Bancorp Lombard, IL 2.04 4.64 4.39 0.37 8.29 75.84 2.95 9,441 7,503 8,088
133 First Commonwealth Financial Indiana, PA 6.22 4.39 5.7 0.67 9.09 66.93 3.41 60,130 41,482 41,954
134 South Plains Financial * Lubbock, TX 2.28 4.17 8.15 0.55 6.55 79.78 3.48 30,346 15,607 12,724
135 United Financial Bancorp Glastonbury, CT 2.31 3.97 4.76 0.66 12.92 73.55 3.5 15,323 14,227 15,797
136 Valley View Bancshares Overland Park, KS 3.14 3.86 4.73 0.72 13.46 63.21 3.42 10,256 23,280 18,209
137 CenterState Banks Davenport, FL 2.42 3.76 4.47 0.51 9.4 83.94 4.72 23,532 12,243 9,905
138 Meridian Financial Services Peabody, MA 2.82 3.64 4.1 0.59 13.18 74.73 3.32 9,533 15,368 12,411
139 Union Savings Bank Danbury, CT 2.3 3.31 1.82 0.14 7.55 88.18 3 14,743 3,357 7,043
140 First American Bank Corp.* Elk Grove Village, IL 3.38 3.25 13.88 0.84 5.56 71.49 2.88 31,983 31,789 22,872
141 American Chartered Bancorp Schaumburg, IL 2.45 3.21 5.04 0.31 6.16 68.14 3.47 12,008 7,568 13,043
142 First Midwest Bancorp Itasca, IL 8.25 3.07 8.16 0.96 9.09 66.56 3.68 103,478 79,306 -21,054
143 Community & Southern Atlanta, GA 2.81 3 3.06 0.49 14.49 87.95 5.61 17,078 12,774 12,995
144 Ridgewood Savings Bank Ridgewood, NY 5.13 2.97 3.47 0.43 10.94 91.18 2.24 7,792 21,682 14,192
145 National Bank Holdings Corp. Greenwood Village, CO 4.91 1.56 0.67 0.13 16.89 90.04 3.86 27,093 6,927 -543
146 First Bancorp Southern Pines, NC 3.19 0.93 5.71 0.65 9.73 59.41 4.92 22,685 20,699 -23,406
147 Sturm Financial Group * Denver, CO 2.06 0.78 4.17 0.33 6.83 85.54 2.94 14,621 9,846 8,154
148 First Connecticut Bancorp Farmington, CT 2.11 0.27 1.57 0.19 11 90.33 3 10,618 3,704 3,707
149 FCB Financial Holdings Weston, FL 3.97 -0.29 2.35 0.49 17.2 81.9 3.71 -1,801 17,171 -4,828
150 Doral Financial Corp. San Juan, PR 8.49 -4.16 -10.84 -1.04 8.61 104.86 3.01 54,944 -88,287 -3,299
151 Standard Bancshares Hickory Hills, IL 2.18 -4.64 3.39 0.38 11.47 74.48 3.6 20,688 8,172 -30,762
152 Sun Bancorp Vineland, NJ 3.09 -14.53 -3.81 -0.31 6.76 107.36 3.06 28,779 -9,945 -50,491
153 Metropolitan Bank Group Chicago, IL 2.43 -34.21 0.35 0.02 6.67 95.14 2.29 12,982 465 -142,376
  Median     8.56 8.72 0.92 9 66.2 3.63      
  Average     8.33 8.92 0.93 9.38 66.67 3.7      


Note: This ranking is based on regulatory data as of June 30. Rank is determined by the average ROE across three years (2013, 2012 and 2011). Unless otherwise noted, additional data shown in the chart is for the full year ending Dec. 31, 2013. Analysis limited to operating top tier bank holding companies, commercial banks and savings banks with three years of data availability. Excludes industrial companies, non-depository trusts and foreign-owned companies. Excludes companies with credit card loans to total loans greater than 25%, loans to deposits less than 20% or loans to assets less than 20%. Also excludes institutions for which negative provision for taxes contributed more than 10% to net income in 2013, 2012, or 2011. Using the preceding criteria, 153 companies with $2 billion to $10 billion of assets qualified for the ranking, out of 251 in this size range as of yearend.
*Denotes a company with subchapter S (S-Corp) status. ROAA and ROAE are adjusted to reflect this status using an assumed tax rate.
Source: SNL Financial
© 2014 American Banker Magazine

 

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