Seeking the Standouts: Mid-Tier Rankings

August 01, 2012, 1:00 a.m. EDT 18 Min Read

A Lower Bar

Top 200 Community Banks and Thrifts as of Dec. 31. Ranked by 3-Year Average ROE. Even as economic recovery begins, the performance of these banks as a group continues to reflect stress.

By Bonnie McGeer

May 19

They say everything's bigger in Texas. That seems to include return on equity for mid-tier banks. The Lone Star State is home to five of the top 20 mid-tiers, including top-ranked Central Bancorp, the owner of United Central Bank in Garland, which offset its weak stats for 2011 with a better results from 2010 and 2009a period that included a failed-bank purchase with a large accounting gain. The 229 mid-tiers, those banks with $2 billion to $10 billion in assets, are ranked here by three-year average return on equity.

Mid-Tiers, Ranked By 3-Year Average ROE
Rank	Company (Stock Symbol)	City, State	Total Assets ($B)	3-YR ROAE Avg. (%)	ROAE (%)	ROAA (%)	Efficiency Ratio (%)	Net interest Margin (%)	Noninterest Income (SM)	Net Income (SM)	2010 Net Income (SM)
1	Central Bancorp	Garland, TX	2.22	32.28	-3.96	-0.36	68.52	4.07	28.61	-8.99	7.3
2	Union Savings Bank*	Cincinnati, OH	2.25	31.38	38.28	2.94	36.87	2.49	75.12	63.47	46.2
3	Woodforest Financial Group*	The Woodlands, TX	3.74	22.28	17.82	1.2	83.41	2.72	408.27	62.19	69.1
4	First Financial Bancorp. (FFBC)	Cincinnati, OH	6.42	22.01	9.37	1.06	51.83	4.67	125.24	66.74	59.3
5	Southside Bancshares (SBSI)	Tyler, TX	3.22	20.95	17.65	1.25	55.81	3.6	23.47	39.13	39.1
6	Bank of the Ozarks (OZRK)	Little Rock, AR	3.84	20.94	27.06	2.7	41.12	5.85	116.15	101.32	64
7	Westamerica Bancorporation (WABC)	San Rafael, CA	5.05	19.4	16.14	1.78	44.39	5.32	61.79	87.89	94.6
8	Midland Financial Co.*	Oklahoma City, OK	9.9	18.13	24.49	2.54	59.53	3.54	194.25	256.53	75.3
9	Luther Burbank Corp.*	Santa Rosa, CA	3.79	18.12	16.36	1.77	22.71	3.86	2.73	64.32	80.1
10	Republic Bancorp (RBCAA)	Louisville, KY	3.34	17.88	22.02	2.58	43.28	4.51	117.62	94.15	64.8
11	First Security Bancorp	Searcy, AR	4.23	17.51	20.03	2.39	40.71	6.08	78.78	93.54	73.3
12	Talmer Bancorp	Troy, MI	2.17	17.02	13.8	1.81	44.68	7.47	113.25	37.15	48.2
13	BofI Holding (BOFI)	San Diego, CA	2.28	16.5	16.52	1.33	37.68	3.71	8.6	25.71	18.6
14	Burke & Herbert Bank & Trust Co. (BHRB)	Alexandria, VA	2.53	16.38	14.85	1.51	44.96	4.28	9.54	35.56	34.2
15	Nationwide Bank	Columbus, OH	4.7	16.36	14.23	1.34	74.82	2.75	278.51	55.32	51.4
16	Arrow Financial (AROW)	Glens Falls, NY	2.02	14.72	13.45	1.13	60.16	3.36	23.13	21.93	21.9
17	American State Financial Corporation	Lubbock, TX	3.16	14.43	15.85	1.48	47.37	4.26	39.98	42.12	36
18	Hometown Community Bancorp*	Morton, IL	2.66	14.34	12.22	0.9	52.72	3.07	13.37	35.6	32.9
19	First Financial Bankshares (FFIN)	Abilene, TX	4.23	13.94	14.45	1.81	48.3	4.75	50.95	68.37	59.7
20	Great Southern Bancorp (GSBC)	Springfield, MO	3.86	13.79	9.5	0.87	55.87	5.25	3.95	30.27	23.9
21	State Bank Financial Corp. (STBZ)	Atlanta, GA	2.68	13.52	11.42	1.56	36.37	7.07	95.07	43.01	45.5
22	City Holding Company (CHCO)	Cross Lanes, WV	2.78	13.23	12.87	1.51	55.48	3.93	51.84	40.68	39
23	Amarillo National Bancorp*	Amarillo, TX	3.18	13.14	12.86	1.49	50.82	3.82	39.92	66.86	65
24	Fremont Bancorporation*	Fremont, CA	2.37	12.9	21.18	1.1	71.18	3.48	72.83	38.83	20.9
25	Tompkins Financial Corp. (TMP)	Ithaca, NY	3.55	12.89	12.07	1.08	60.6	3.72	47.68	35.42	33.8
26	S.Y. Bancorp (SYBT)	Louisville, KY	2.04	12.87	13.46	1.21	55.91	3.89	32.31	23.6	23
27	Camden National Corporation (CAC)	Camden, ME	2.34	12.47	12.16	1.13	56.41	3.6	20.98	26.18	24.8
28	ServisFirst Bancshares	Birmingham, AL	2.53	12.37	14.83	1.12	45.17	3.79	6.15	23.44	17.4
29	TrustCo Bank Corp NY (TRST)	Glenville, NY	4.38	12.25	11.87	0.82	50.85	3.37	9.26	33.76	29.9
30	First of Long Island Corp. (FLIC)	Glen Head, NY	2.08	12.1	11.17	1.06	51.56	3.68	6.29	19.46	18.4
31	First Citizens Bancorporation (FCBN)	Columbia, SC	8.28	11.93	7.12	0.61	70.46	3.46	94.77	50.78	68.6
32	Bessemer Group*	Woodbridge, NJ	2.32	11.91	15.56	1.89	82.65	1.02	342.39	55.77	43.3
33	American National Corporation*	Omaha, NE	2.13	11.9	12.21	1.48	54.83	4.31	23.32	36.74	34.1
34	Hills Bancorporation (HBIA)	Hills, IA	2.1	11.74	13.04	1.36	49.16	3.76	19.25	26.78	23.3
35	Dime Community Bancshares (DCOM)	Brooklyn, NY	4.01	11.31	12.75	1.23	40.33	3.77	7.76	49.93	44.2
36	Pinnacle Bancorp*	Central City, NE	6.58	10.85	10.89	1.17	55.03	3.95	55.59	103.19	95.3
37	NBT Bancorp (NBTB)	Norwich, NY	5.78	10.85	10.73	1.06	62.42	4.15	80.97	57.9	57.4
38	OceanFirst Financial (OCFC)	Toms River, NJ	2.26	10.85	10.42	0.97	55.5	3.66	15.68	21.92	21.5
39	Stockman Financial Corp.	Miles City, MT	2.14	10.75	11.81	1.15	55.3	3.68	16.88	35.44	30.8
40	RCB Holding Company*	Claremore, OK	2.05	10.75	9.66	0.94	60.5	3.66	19.93	25.73	30.6
41	Southern BancShares (N.C.) (SBNC)	Mount Olive, NC	2.04	10.63	23.9	2.28	42.44	3.4	70.13	34.84	6.4
42	CVB Financial (CVBF)	Ontario, CA	6.51	10.47	12	1.26	48.91	4.1	33.15	81.73	63.4
43	State Bankshares	Fargo, ND	2.27	10.26	24.17	1.93	59.48	4.24	87.13	40.41	9.7
44	Lakeland Financial Corp. (LKFN)	Warsaw, IN	2.96	10.02	11.78	1.1	47.26	3.61	22.29	30.65	24.5
45	Park National Corp. (PRK)	Newark, OH	6.78	9.98	11.04	1.14	54.15	4.14	66.08	82.14	58.1
46	Santander BanCorp	Guaynabo, PR	7.22	9.87	12.43	1.34	51.8	5.87	117.99	94.36	63.4
47	Community Bank System (CBU)	De Witt, NY	6.91	9.65	10.36	1.19	61.25	3.83	89.31	73.14	63.3
48	Bremer Financial Corporation	Saint Paul, MN	8.11	9.59	10.37	1.02	59.85	3.92	88.22	81.16	68.5
49	Community Trust Bancorp (CTBI)	Pikeville, KY	3.67	9.57	10.92	1.11	60.11	4.14	43.61	38.83	33
50	Century Bancorp (CNBKA)	Medford, MA	2.86	9.43	10.78	0.63	63.28	2.5	14.11	16.69	13.6
51	First NBC Bank Holding Company	New Orleans, LA	2.32	9.43	11.22	1.14	60.58	3.45	4.26	19.44	10.2
52	Hawaiian Electric Industries (HE)	Honolulu, HI	4.96	9.42	12.09	1.23	57.32	4.27	61.78	59.84	58.5
53	INTRUST Financial Corporation*	Wichita, KS	4.11	9.27	10.78	0.7	67.21	3.07	68.98	38.99	29.7
54	Financial Institutions (FISI)	Warsaw, NY	2.46	9.11	9.82	1.01	60.8	4.03	20.45	22.8	21.3
55	First Financial Corp. (THFF)	Terre Haute, IN	2.91	9.06	10.9	1.49	53.9	4.53	34.79	37.2	28
56	BancFirst Corp. (BANF)	Oklahoma City, OK	5.74	8.94	9.65	0.85	65.58	3.3	76.33	45.62	42.3
57	United Bankshares (UBSI)	Charleston, WV	8.53	8.92	8.73	0.97	53.19	3.85	64.98	75.61	71.9
58	PlainsCapital Corp.	Dallas, TX	5.79	8.77	11.32	0.98	82.16	3.76	468.22	53.2	32.4
59	Washington Trust Bancorp (WASH)	Westerly, RI	3.03	8.75	10.61	1.02	64.1	3.2	51.67	29.72	24.1
60	SCBT Financial Corp. (SCBT)	Columbia, SC	4.05	8.74	6.11	0.58	66.06	4.63	44.05	22.6	51.9
61	First Bancorp (FBNC)	Troy, NC	3.34	8.67	3.86	0.41	59.71	4.72	26.8	13.64	10
62	Texas Capital Bancshares (TCBI)	Dallas, TX	8.56	8.62	13.39	1.11	55.1	4.62	24.51	75.98	37.2
63	Broadway Bancshares*	San Antonio, TX	2.54	8.54	8.42	1.06	62.21	4.26	28.69	29.65	30
64	Cardinal Financial (CFNL)	McLean, VA	2.61	8.52	11.59	1.27	57.38	3.81	31.94	28	18.4
65	Trustmark Corp (TRMK)	Jackson, MS	9.93	8.49	8.95	1.11	61.54	4.26	147.35	106.84	100.6
66	Independent Bankers Financial Corp.	Irving, TX	2.67	8.47	8.53	0.64	80.07	1.51	97.04	15.86	12.3
67	First National Bank Alaska (FBAK)	Anchorage, AK	2.94	8.43	8.06	1.25	62.21	3.96	35.62	34.84	40.4
68	Independent Bank Corp. (INDB)	Rockland, MA	4.99	8.37	9.93	0.96	65.82	3.95	53.4	45.44	40.2
69	Eagle Bancorp (EGBN)	Bethesda, MD	2.82	8.34	10.81	1.01	55.49	4.07	12.75	25.42	15.1
70	Farmers & Merchants Bank of Long Beach (FMBL)	Long Beach, CA	4.77	8.31	9.12	1.33	43.76	4.1	20.3	59.12	53
71	USAmeriBancorp	Clearwater, FL	2.19	8.15	8.29	0.5	62.28	4.17	10.48	10.56	9.5
72	BTC Financial Corp.	Des Moines, IA	3.11	8.09	10.33	0.59	68.98	2.92	28.26	17.44	13.8
73	Simmons First National Corp. (SFNC)	Pine Bluff, AR	3.32	8.08	6.28	0.77	68.47	3.88	55.5	25.37	37.1
74	First South Bancorp*	Lexington, TN	2.16	7.64	7.64	0.6	80.22	3.33	19.77	14.3	-10.6
75	Flushing Financial Corp. (FFIC)	Lake Success, NY	0.7	7.62	10.37	0.98	13.8	2.03	0	6.19	4.2
76	Home BancShares (HOMB)	Conway, AR	4.15	7.45	11.53	1.5	49.56	4.72	37.77	54.74	17.6
77	Community Bank	Pasadena, CA	2.67	7.39	10.11	0.98	58.59	3.79	13.13	25.17	20.7
78	Community Trust Financial Corporation	Ruston, LA	2.59	7.31	9.3	0.87	61.29	4.18	20.13	18.05	10.8
79	Farmers & Merchants Investment	Lincoln, NE	2.55	7.24	7.92	0.84	72.8	3.39	66.01	20.93	15.4
80	Carter Bank & Trust (CARE)	Martinsville, VA	4.27	7.17	9.15	0.81	53.01	3.05	11.5	30.1	22.8
81	Dollar Bank, Federal Savings Bank	Pittsburgh, PA	6.45	7.11	6.84	0.7	64.73	3.23	23.99	43.1	39.4
82	1st Source Corporation (SRCE)	South Bend, IN	4.39	7	9.51	1.1	65.72	3.69	80.57	48.2	41.2
83	First Interstate BancSystem (FIBK)	Billings, MT	7.39	6.99	5.92	0.61	61.53	3.83	78.09	44.55	37.4
84	Salem Five Bancorp	Salem, MA	3.27	6.92	7.82	0.76	68.08	3.01	26	21.53	17.5
85	Cambridge Financial Group	Cambridge, MA	2.37	6.91	7.28	0.72	66.07	3.17	11.98	16	14.3
86	Bangor Bancorp, MHC	Bangor, ME	2.59	6.89	6.68	0.74	72.16	3.78	28.67	18.38	17.5
87	Durant Bancorp*	Durant, OK	2.19	6.84	4.74	0.42	77.1	4.09	26.46	12.79	16.7
88	SNBNY Holdings Limited	Gibraltar,	5.51	6.7	7.81	0.64	62.96	1.73	47.89	30.31	25.5
89	Capitol Federal Financial (CFFN)	Topeka, KS	9.39	6.63	4.82	0.72	44.76	1.91	20.82	66.94	61.8
90	Eastern Bank Corp.	Boston, MA	7.9	6.5	9.03	1.11	71.29	3.8	129.69	84.76	60.4
91	Lone Star National Bancshares-Texas	McAllen, TX	2.14	6.49	11.02	0.98	62.05	3.61	13.25	21.52	3.7
92	Middlesex Bancorp, MHC	Natick, MA	4.09	6.44	6.64	0.71	59.64	3.24	11.54	28.54	24.9
93	TowneBank (TOWN)	Portsmouth, VA	4.14	6.38	6.62	0.84	74.28	3.89	98.61	33.32	30.3
94	Discount Bancorp	New York, NY	9.65	6.37	5.63	0.49	64.05	2.34	59.04	45.79	51.3
95	Stifel Financial Corp. (SF)	Saint Louis, MO	5.47	6.18	6.84	1.94	89.44	3.32	1,352.44	84.13	1.9
96	ViewPoint Financial Group (VPFG)	Plano, TX	3.04	6.1	8.85	0.9	65.92	3.02	24.75	27.1	18.4
97	BancPlus Corporation	Ridgeland, MS	2.33	5.99	6.8	0.73	69.42	4.41	47.41	16.23	7.7
98	Cape Cod Five Cents Savings Bank	Orleans, MA	2.14	5.91	6.44	0.64	70.03	3.03	19.14	12.97	12.6
99	Heartland Financial USA (HTLF)	Dubuque, IA	4.31	5.85	8.21	0.69	69.36	4.13	47.99	28.04	23.9
100	Univest Corp. of Pennsylvania (UVSP)	Souderton, PA	2.19	5.81	6.91	0.89	59.52	4.15	33.01	18.88	15.8
101	National Bank Holdings Corp.	Boston, MA	5.97	5.74	10.87	1.44	53.62	4.29	93.62	56.62	1.2
102	S&T Bancorp (STBA)	Indiana, PA	4.33	5.74	8.08	1.16	55.04	3.85	44.26	47.26	43.5
103	Liberty Bank	Middletown, CT	3.51	5.71	5.95	0.84	67.28	3.54	22.9	28.23	16.7
104	Renasant Corp. (RNST)	Tupelo, MS	4.18	5.69	5.34	0.6	68.18	3.78	52.7	25.63	31.7
105	Sterling Bancorp (STL)	New York, NY	2.5	5.68	7.78	0.7	73.04	3.79	40.73	17.5	7
106	Northwest Bancshares (NWBI)	Warren, PA	8.08	5.64	5.71	0.83	59.61	3.8	58.28	67.03	59.4
107	TriCo Bancshares (TCBK)	Chico, CA	2.53	5.59	8.93	0.82	60.75	4.47	42.81	18.59	6
108	WesBanco (WSBC)	Wheeling, WV	5.6	5.54	7.01	0.8	58.32	3.68	60	43.81	35.6
109	ANB Corporation	Terrell, TX	2.09	5.3	8.11	0.68	72.99	4.06	37.89	13.66	5.7
110	Oritani Financial (ORIT)	Washington Township, NJ	2.61	5.29	6.64	1.09	37.79	3.36	5.14	27.5	13.5
111	Union First Market Bankshares Corp. (UBSH)	Richmond, VA	3.95	5.1	6.9	0.79	66.24	4.6	43.26	30.45	22.9
112	Brookline Bancorp (BRKL)	Brookline, MA	4.88	5.04	5.51	0.9	52.69	3.84	4.71	27.6	NA
113	1867 Western Financial Corp.	Stockton, CA	2.05	4.98	5.39	0.68	59.98	4.63	16.47	13.03	12.4
114	BNC Bancorp (BNCN)	High Point, NC	2.41	4.96	4.41	0.32	72.12	3.65	10.52	6.93	7.7
115	Mechanics Bank (MCHB)	Richmond, CA	3.05	4.95	5.89	0.6	74.3	4.45	24.26	17.23	11
116	Provident New York Bancorp (PBNY)	Montebello, NY	3.2	4.91	2.6	0.35	79.25	3.42	14.87	10.5	21.4
117	Lakeland Bancorp (LBAI)	Oak Ridge, NJ	2.85	4.86	8.37	0.71	58.57	3.85	16.89	19.85	19.2
118	First American Financial Corp. (FAF)	Santa Ana, CA	1.49	4.82	8.27	0.65	63.55	1.35	16.23	8.3	7
119	Oriental Financial Group (OFG)	San Juan, PR	6.46	4.68	4.87	0.49	74.37	2.31	16.45	34.45	9.8
120	Apple Financial Holdings, Inc.	New York, NY	8.42	4.62	5.78	0.6	56.16	2.12	9.76	41.83	36.6
121	National Americas Holdings	New York, NY	8.61	4.62	4.51	0.63	55.9	4.56	18.13	52.43	54.5
122	Columbia Bank MHC	Fair Lawn, NJ	4.56	4.62	4.66	0.44	64.09	2.85	12.85	20.06	21.1
123	Chemical Financial Corp. (CHFC)	Midland, MI	5.45	4.55	7.38	0.81	60.36	3.81	46.22	43.05	23.1
124	Old National Bancorp (ONB)	Evansville, IN	8.58	4.51	7.24	0.86	73.8	3.88	175.62	72.46	38.2
125	Northfield Bancorp, MHC	Woodbridge, NJ	2.4	4.45	4.93	0.72	54.91	2.97	8.98	16.5	14.3
126	Liberty Bancshares	Jonesboro, AR	2.79	4.39	5.36	0.6	57.05	3.85	21.24	16.02	12.7
127	Union Savings Bank	Danbury, CT	2.52	4.36	4.27	0.32	79.45	3.41	13.23	7.82	5.2
128	Scotiabank de Puerto Rico	Hato Rey, PR	6.58	4.19	12.64	1.39	52.11	5.72	102.77	93.9	85.5
129	First Defiance Financial Corp. (FDEF)	Defiance, OH	2.13	4.17	5.91	0.8	58.58	3.87	16.97	16.38	9.1
130	Central Bancshares	Lexington, KY	2.13	4.15	6.78	0.52	72.88	4.03	31.75	11.02	6.9
131	Glacier Bancorp (GBCI)	Kalispell, MT	7.24	4.06	2.04	0.25	54.94	3.99	51.07	17.47	42.3
132	Community & Southern Holdings, Inc.	Atlanta, GA	2.16	4.03	2.42	0.42	76	5.99	18.2	9.43	17.2
133	Fidelity Southern Corp. (LION)	Atlanta, GA	2.21	3.97	7.36	0.55	70.45	3.66	51.14	11.4	10.1
134	Home Federal Bank of Tennessee	Knoxville, TN	2.06	3.87	3.46	0.53	68.06	2.86	9.94	10.81	12
135	Columbia Banking System (COLB)	Tacoma, WA	4.82	3.44	6.58	1.07	71.16	6.37	52.65	48.04	30.8
136	Mutual of Omaha Bank	Omaha, NE	5.87	3.34	5.17	0.62	70.42	4.29	27.05	32.33	22.4
137	Hudson Valley Holding Corp. (HVB)	Yonkers, NY	2.81	3.3	-0.72	-0.08	56.25	4.56	18.64	-2.14	5.1
138	Community Bancshares of Miss.	Brandon, MS	2.29	3.2	4.75	0.41	76.64	4.09	14.94	9.13	6.1
139	Sandy Spring Bancorp (SASR)	Olney, MD	3.67	3.19	8.07	0.95	63.19	3.57	40.88	34.1	23.5
140	Firstrust Savings Bank*	Conshohocken, PA	2.41	3.18	6.28	0.71	93.87	4.13	16.66	26.48	12.3
141	WSFS Financial Corporation (WSFS)	Wilmington, DE	4.32	3.13	5.38	0.55	66.75	3.64	50.14	22.7	13.4
142	Valley View Bancshares	Overland Park, KS	3.27	2.89	3.15	0.46	64.35	3.56	8.19	14.88	16.1
143	Meridian Financial Services MHC	Peabody, MA	2.17	2.82	3.39	0.59	74.77	3.38	10.78	11.95	13.4
144	Bancorp (TBBK)	Wilmington, DE	4.1	2.7	3.54	0.31	66.09	3	29.29	8.92	5.2
145	Amboy Bancorporation*	Old Bridge, NJ	2.26	2.69	-7.1	-0.39	81.8	3.05	18.89	-9.16	3.7
146	Wedbush	Los Angeles, CA	0.23	2.61	3.33	0.38	89.61	3.26	-0.45	0.78	0.6
147	Ridgewood Savings Bank	Ridgewood, NY	4.84	2.17	3.13	0.4	77.72	2.75	8	18.79	14.3
148	Boston Private Financial Holdings, Inc. (BPFH)	Boston, MA	6.15	2.05	7.27	0.64	75.77	3.28	123.27	39.14	-11
149	Taylor Capital Group (TAYC)	Rosemont, IL	4.7	2.01	36.77	2.06	64.49	3.2	45.77	91.12	-53.8
150	Bank Leumi Le-Israel Corporation	New York, NY	5.64	2	3.05	0.38	79.38	2.72	42.11	20.03	12.9
151	W.T.B. Financial Corporation (WTBFB)	Spokane, WA	4.21	1.94	3.52	0.39	60.48	3.88	25.39	15.46	8.5
152	Virginia Commerce Bancorp (VCBI)	Arlington, VA	2.95	1.87	10.23	0.95	51.17	3.96	8.37	27.09	21.5
153	F & M Bancorporation (FMBC)	Tulsa, OK	2.15	1.43	-7.07	-0.45	79.03	3.56	14.39	-8.03	5.7
154	Kearny, MHC	Fairfield, NJ	2.9	1.42	1.98	0.31	76.31	2.76	2.85	9.06	5.1
155	Bond Street Holdings	Weston, FL	3.44	1.37	-2.23	-0.54	99.24	2.85	42.55	-16.33	21.6
156	Berkshire Hills Bancorp (BHLB)	Pittsfield, MA	4	1.35	4.46	0.56	71.53	3.63	29.69	19.14	14
157	StellarOne Corporation (STEL)	Charlottesville, VA	2.93	1.27	3.7	0.54	71.02	3.81	30.91	15.89	9.8
158	Beneficial Savings Bank, MHC	Philadelphia, PA	4.59	1.2	1.95	0.24	68.75	3.28	22.92	11.36	-9.2
159	Mizuho Corporate Bank (USA)	New York, NY	3.49	0.97	1.76	0.56	63.7	1.77	16.44	18.46	8.1
160	BBCN Bancorp (BBCN)	Los Angeles, CA	5.17	0.89	6.54	0.86	53.88	4.37	21.49	27.12	-7.2
161	First Commonwealth Financial Corporation (FCF)	Indiana, PA	5.97	0.76	2	0.27	68.7	3.84	46.06	15.27	23
162	MB Financial (MBFI)	Chicago, IL	9.67	0.69	2.85	0.39	61.69	3.92	148.83	38.73	20.5
163	Capital Bank Financial Corp.	Coral Gables, FL	6.46	0.66	0.66	0.12	75.74	3.98	30.48	6.21	12.7
164	Banorte USA Corporation	McAllen, TX	2.2	0.47	1.37	0.25	76.57	2.89	32.49	5.54	-4.2
165	First National Bank Group	Edinburg, TX	3.55	0.24	-16.65	-0.84	97.77	3.16	13.88	-31.67	8.2
166	Capital City Bank Group (CCBG)	Tallahassee, FL	2.64	0.15	1.86	0.19	81.82	4.2	50.87	4.9	-0.4
167	Parkway Bancorp	Harwood Heights, IL	2.27	-0.03	5.12	0.38	55.09	2.95	17.82	9.06	-3
168	First Midwest Bancorp (FMBI)	Itasca, IL	7.99	-0.13	3.24	0.45	64.64	4.1	91.66	36.56	-9.7
169	First Community Bancshares (FCBC)	Bluefield, VA	2.2	-0.53	6.55	0.88	62.02	3.82	29.8	19.33	21.8
170	Provident Financial Services (PFS)	Jersey City, NJ	7.12	-0.59	6.09	0.83	55.19	3.56	31.82	57.34	49.7
171	First Merchants Corp. (FRME)	Muncie, IN	4.24	-0.6	5.28	0.61	66.37	3.98	40.6	25.25	6.9
172	Amalgamated Bank	New York, NY	3.9	-0.62	-4.42	-0.24	94.2	1.96	37.98	-10.37	-1.2
173	CenterState Banks (CSFL)	Davenport, FL	2.53	-0.77	3.12	0.36	65.56	3.72	90.98	7.91	-5.5
174	Pinnacle Financial Partners (PNFP)	Nashville, TN	4.79	-0.84	6.21	0.9	67.81	3.65	19.17	43.74	-24.3
175	Metro Bancorp (METR)	Harrisburg, PA	2.47	-1.1	0.13	0.01	81.38	3.97	28.58	0.29	-4.3
176	First Financial Holdings (FFCH)	Charleston, SC	3.14	-1.41	-7.13	-0.6	58.24	4.12	58.64	-19.23	-29.3
177	PacWest Bancorp (PACW)	Los Angeles, CA	5.45	-1.52	9.93	0.92	57.83	5.29	23.97	50.7	-62
178	First Bancshares	Merrillville, IN	2.15	-1.52	10.43	0.77	57.11	4.27	24.7	15.71	9.2
179	Mercantil Commercebank Holding Corp.	Coral Gables, FL	6.83	-1.7	1.84	0.16	70.77	2.25	50.47	10.94	-4.6
180	Cadence Bancorp	Houston, TX	3.78	-1.74	-1.74	-0.29	89.24	4.54	35.94	-10.67	NA
181	MainSource Financial Group (MSFG)	Greensburg, IN	2.76	-2.2	7.44	0.86	69.42	4.27	33.95	23.81	14.8
182	Southwest Bancorp (OKSB)	Stillwater, OK	2.27	-3.04	-18.06	-2.53	76.35	3.79	-8.12	-68.3	17
183	BBVAPR Holding Corp.	San Juan, PR	5.18	-3.76	5.84	0.68	62.73	3.79	35.46	33.5	7.8
184	Ameris Bancorp (ABCB)	Moultrie, GA	3.05	-3.8	7.52	0.71	58.47	4.63	38.88	21.09	-4
185	Enterprise Financial Services Corp (EFSC)	Clayton, MO	3.25	-3.89	11.91	0.82	58.45	4.04	17.67	25.42	5.6
186	Standard Bancshares	Hickory Hills, IL	2.17	-4.78	-2.53	-0.25	69.3	3.78	17.42	-5.47	-28.5
187	South Plains Financial*	Lubbock, TX	2.13	-4.98	-3.14	-0.19	78.6	3.48	27.83	-3.89	-15.4
188	Alpine Banks of Colorado	Glenwood Springs, CO	2.28	-5.13	5.28	0.5	69	4.65	19.79	11.34	-49.6
189	Wilshire Bancorp (WIBC)	Los Angeles, CA	2.66	-5.56	-11.47	-1.1	49.71	4.24	19.2	-30.33	-34.8
190	National Penn Bancshares (NPBC)	Boyertown, PA	8.52	-5.94	7.58	1.02	58.87	3.56	88.49	87.54	21.3
191	First Place Financial (FPFC)	Warren, OH	2.72	-6.13	-4.23	-0.27	73.21	3.81	36.98	-7.73	-27.1
192	Banner Corporation (BANR)	Walla Walla, WA	4.16	-6.49	1.07	0.13	77.25	4.11	14.79	5.52	-62
193	First American Bank Corp.*	Elk Grove Village, IL	2.84	-7.11	-15.67	-0.82	72.52	3.73	29.6	-22.73	-9.2
194	Western Alliance Bancorporation (WAL)	Phoenix, AZ	6.93	-7.59	5.01	0.49	63.2	4.43	5.3	31.49	-7.2
195	TotalBank	Coral Gables, FL	2.31	-8.77	1.14	0.19	75.1	3.27	8.22	4.19	-9.9
196	United Community Financial Corp. (UCFC)	Youngstown, OH	2.04	-9	0.6	0.05	78.39	3.25	14.67	1.07	-35.9
197	SWS Group (SWS)	Dallas, TX	1.34	-9.48	-1.32	-0.14	91.06	3.9	-5.74	-1.97	-46.3
198	CoBiz Financial (COBZ)	Denver, CO	2.46	-9.65	16.23	1.39	74.01	4.29	32.26	33.46	-22.6
199	American Chartered Bancorp	Schaumburg, IL	2.35	-10.65	-4.26	-0.21	83.51	3.61	6.81	-4.83	-6.6
200	Bank Mutual Corporation (BKMU)	Milwaukee, WI	2.61	-10.67	-16.78	-1.87	82.15	2.8	15.76	-47.18	-72.2
201	West Coast Bancorp (WCBO)	Lake Oswego, OR	2.41	-10.89	11.8	1.38	79.87	3.59	29.7	33.78	3.2
202	Doral Financial Corporation (DRL)	San Juan, PR	8.09	-11.82	-1.25	-0.13	87.03	2.46	93.87	-10.69	-291.9
203	CM Florida Holdings	Coral Gables, FL	4.21	-12.83	4.79	0.94	66.21	3.4	18.12	36.89	-464.4
204	Opus Bank	Irvine, CA	2.45	-13.16	-5.49	-1.61	127.33	3.78	7.5	-22.49	-32.3
205	First Busey Corporation (BUSE)	Champaign, IL	3.54	-18.64	7.13	0.86	59.08	3.54	59.04	29.87	23.2
206	Pacific Capital Bancorp (PCBC)	Santa Barbara, CA	5.85	-18.74	9.81	1.19	69.67	4.16	51.07	70.52	25.7
207	Metropolitan Bank Group	Chicago, IL	2.9	-18.74	-29.18	-2.52	102.37	4.84	-2.33	-73.93	-69.9
208	Citizens Republic Bancorp (CRBC)	Flint, MI	9.58	-19.57	0.67	0.07	66.12	3.68	80.07	6.67	-292.9
209	HomeStreet (HMST)	Seattle, WA	2.35	-19.79	14.45	0.77	82.65	2.47	64.23	17.55	-29.3
210	SKBHC Holdings LLC	Seattle, WA	2.29	-20.39	6.52	0.93	81.19	5.25	18.14	16.29	0.5
211	Dickinson Financial Corp. II	Kansas City, MO	2.24	-23.8	-4.53	-0.69	102.44	1.79	104.77	-16.74	-25.2
212	BankAtlantic	Fort Lauderdale, FL	3.82	-23.89	-0.88	-0.07	71.34	3.44	128.25	-2.61	-116.8
213	Johnson Financial Group	Racine, WI	4.05	-24.21	12.14	0.24	93.01	3.14	59.95	10.89	-243.5
214	Sabadell United Bank, N.A.	Miami, FL	3.67	-26.22	5.93	0.63	65.78	3.46	16.97	18.12	7.4
215	BancTrust Financial Group (BTFG)	Mobile, AL	2.01	-26.8	-28.63	-2.24	122.56	3.26	-15.62	-47.85	3.9
216	Sun Bancorp (SNBC)	Vineland, NJ	3.11	-28.19	-22.58	-2.05	92.29	3.48	26.8	-67.51	-185.4
217	Aurora Bank FSB	Wilmington, DE	3.78	-28.47	-34.36	-6.46	325.34	0.45	71.92	-288.45	149.9
218	Independent Bank Corp. (IBCP)	Ionia, MI	2.42	-28.47	-17.85	-0.85	93.09	4.44	40.9	-20.25	-16.8
219	Seacoast Banking Corp. of Fla. (SBCF)	Stuart, FL	2.17	-29.67	4.03	0.32	89.64	3.42	14.85	6.67	-33.2
220	Hanmi Financial Corporation (HAFC)	Los Angeles, CA	2.77	-34.63	14.1	1.01	66.6	3.66	19.8	28.15	-88
221	Anchor BanCorp Wisconsin (ABCW)	Madison, WI	2.79	-37.22	-24.68	-1	97.24	2.97	24.94	-33.06	-39.5
222	United Community Banks (UCBI)	Blairsville, GA	7.17	-42.28	-40.73	-3.15	88.72	3.43	-19.58	-226.75	-502.3
223	First Banks	Clayton, MO	6.66	-42.83	-20.16	-0.59	94.65	2.87	41.57	-41.15	-191.7
224	Ocean Bankshares	Miami, FL	3.25	-43.6	-16.69	-0.42	115.75	3.46	-23.41	-14.68	-142.5
225	Sterling Financial Corp. (STSA)	Spokane, WA	9.53	-43.63	4.82	0.42	85.35	3.44	93.65	39.13	-224.3
226	Central Pacific Financial Corp. (CPF)	Honolulu, HI	4.16	-62.95	10.06	0.9	101.32	3.1	40.22	36.57	-251
227	Hampton Roads Bankshares (HMPR)	Norfolk, VA	2.13	-94.17	-62.57	-3.85	136.59	2.98	3.13	-98.61	-211.3
228	Capitol Bancorp Ltd. (CBCR)	Lansing, MI	2.06	-110.3	NM	-1.61	123.56	2.57	12.41	-45.43	-225.2
229	FNB United Corp. (FNBN)	Asheboro, NC	2.39	-125.84	NM	-7	NM	2.32	-28.98	-137.31	-131.8

*Denotes subchapter S corporation. Where available, profitability ratios shown for S-corps reflect values that have been adjusted as though the companies paid corporate taxes with a top marginal rate of 35%.

Note: Excludes industrial banks where credit card loans exceed 25% of loans. For holding companies that do not report consolidated financials to regulators, data reflects operating subsidiaries.