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part 1 of 6
ROA ROA
Rank Rank
1998 1997
1 1 Tri-State Bank & Trust Co., Haughton, La.
2 3 First State Bank, Idaho Springs, Colo.
3 NR State Bank of Delano, Minn.
4 NR Security National Bank of Quanah, Tex.
5 4 Avery County Bank, Newland, N.C.
6 26 Central Bank of Kansas City, Mo.
7 2 American National Bank, Parma, Ohio
8 NR First Security Bank, Lake Benton, Minn.
9 27 Wilmot State Bank, Wilmot, S.D.
10 5 First Coleman National Bank, Coleman, Tex.
11 22 State Bank of Downs, Kan.
12 NR Citadel Bank, Colorado Springs, Colo.
13 NR Kislak National Bank, North Miami, Fla.
- NR Bank of St. Edward, Neb.
15 29 Bank of Commerce, Chouteau, Okla.
16 NR Preston National Bank, Dallas
17 11 Lakeside Bank of Salina, Okla.
18 9 First National Bank of Olney, Tex.
19 NR First Liberty National Bank, Washington, D.C.
20 NR First Security Bank, Sanborn, Minn.
21 NR University National Bank, Lawrence, Kan.
- NR First National Bank of Pinedale, Wy.
23 NR First National Bank of Ely, Nev.
24 NR Cairo Banking Co., Cairo, Ga.
25 24 Liberty National Bank, Longwood, Fla.
- NR First National Bank of Sarcoxie, Mo.
27 39 Bank of Locust Grove, Okla.
28 NR Valley Bank of Commerce, Roswell, N.M.
29 NR Stanley Bank, Stanley, Kan.
- NR First B&TC, Broken Bow, Okla.
31 NR Bank of Beulah, Beulah, N.D.
32 NR Stockmens National Bank in Cotulla, Tex.
33 NR Commerce Bank of Aurora, Colo.
- NR Peoples Bank, Westville, Okla.
35 25 Western Bank, Artesia, N.M.
36 NR Golden Society Bank, Alhambra, Calif.
37 36 Oaks Bank & Trust Co., Dallas
- 37 Alamosa National Bank, Alamosa, Colo.
39 15 Home State Bank, Louisville, Neb.
40 43 Prior Lake State Bank, Prior Lake, Minn.
41 26 Citizens Bank, Nashville, Ga.
- 13 American National Bank of Rock Springs, Wy.
43 32 Colorado Springs National Bank, Colo.
44 NR Latimer State Bank, Wilburton, Okla.
45 7 Capital Bank, St. Paul, Minn. (a)
46 21 Frontier State Bank, Oklahoma City
- NR Marshall County State Bank, Newfolden, Minn.
48 NR Douglas County Bank, Douglasville, Ga.
- NR Pikes Peak National Bank, Colorado Springs, Colo.
50 46 Union Bank & Trust Co., Minneapolis
- 31 State Bank of Wiley, Colo.
- 17 First State Bank, Dime Box, Tex.
Totals and averages for the top 50
1 Eastern bank
17 Midwest banks
7 Southern banks
27 Western banks
Top 50 Small Community Banks - Asset Mix
Holdings - $ in millions
Holdings as a percentage of interest earning assets
part 2 of 6
ROA ROA Return on Return on
Rank Rank Average Assets % Average Equity %
1998 1997 1998 1997 1998
1 1 Tri-State 5.91 6.41 16.36
2 3 First Sta 4.67 4.33 61.75
3 NR State Ban 4.37 2.57 29.81
4 NR Security 4.3 1.77 49.18
5 4 Avery Cou 4.13 4.15 16.13
6 26 Central B 4.05 3.01 46.57
7 2 American 4.02 5.1 23.48
8 NR First Sec 3.96 1.06 39.29
9 27 Wilmot St 3.91 3 30
10 5 First Col 3.89 4.15 36.35
11 22 State Ban 3.79 3.12 22.81
12 NR Citadel B 3.78 2.48 42.59
13 NR Kislak Na 3.6 1.22 8
- NR Bank of S 3.6 1.23 15.5
15 29 Bank of C 3.57 2.95 40.83
16 NR Preston N 3.54 2.68 39.15
17 11 Lakeside 3.5 3.42 27.94
18 9 First Nat 3.48 3.68 35.11
19 NR First Lib 3.39 1.36 26.56
20 NR First Sec 3.38 0.96 38.75
21 NR Universit 3.36 1.8 27.07
- NR First Nat 3.36 2.42 22.86
23 NR First Nat 3.32 2.38 11.71
24 NR Cairo Ban 3.26 1.58 38.68
25 24 Liberty N 3.24 3.09 26.06
- NR First Nat 3.24 2.27 37.58
27 39 Bank of L 3.22 2.83 25.09
28 NR Valley Ba 3.18 1.81 33.53
29 NR Stanley B 3.12 2.21 20.96
- NR First B&T 3.12 2.12 39.39
31 NR Bank of B 3.11 1.91 32.69
32 NR Stockmens 3.1 1.88 31.43
33 NR Commerce 3.09 2.66 26.02
- NR Peoples B 3.09 2.38 21.2
35 25 Western B 3.06 3.05 28.42
36 NR Golden So 3.04 1.24 34.08
37 36 Oaks Bank 2.98 2.86 26.56
- 37 Alamosa N 2.98 2.85 30.83
39 15 Home Stat 2.97 3.29 30.72
40 43 Prior Lak 2.95 2.79 28.17
41 26 Citizens 2.94 3 35.85
- 13 American 2.94 3.36 21.33
43 32 Colorado 2.93 2.91 21.87
44 NR Latimer S 2.92 1.8 19.92
45 7 Capital B 2.89 3.91 29.06
46 21 Frontier 2.88 3.15 24.95
- NR Marshall 2.88 2.65 11.28
48 NR Douglas C 2.87 2.06 32.2
- NR Pikes Pea 2.87 1.59 23.43
50 46 Union Ban 2.84 2.75 27.1
- 31 State Ban 2.84 2.91 11.43
- 17 First Sta 2.84 3.22 15.48
Totals an 3.39 2.68 28.71
1 Eastern 3.39 1.36 26.56
17 Midwes 3.44 2.58 28.87
7 Souther 3.71 3.07 24.75
27 Wester 3.28 2.7 29.72
Top 50 Small Community Banks - Asset Mix
Securities Fed Funds/Repos
1998 1997 1998
Holdings - $754 682 160
Holdings a 31.2 30.3 6.6
part 3 of 6
ROA ROA Nonperforming
Rank Rank Asset %
1998 1997 1997 12/31/98 12/31/97
1 1 Tri-State 17.79 0.3 0.19
2 3 First Sta 49.54 0.45 1.48
3 NR State Ban 17.59 0.37 0.59
4 NR Security 23.62 6.29 3.2
5 4 Avery Cou 15.5 0.28 0.23
6 26 Central B 34.4 1.73 0.15
7 2 American 28.66 9.62 0.58
8 NR First Sec 10.82 0.04 0.58
9 27 Wilmot St 25.89 0.53 0.16
10 5 First Col 39.31 0.17 1.18
11 22 State Ban 17.84 0.01 0
12 NR Citadel B 24.03 0 0.01
13 NR Kislak Na 2.5 4.07 23.06
- NR Bank of S 5.6 0.05 0.11
15 29 Bank of C 36.84 0.13 0.41
16 NR Preston N 30.15 0.24 0.7
17 11 Lakeside 29.3 0 0
18 9 First Nat 36.84 0.43 0.65
19 NR First Lib 13.18 0.06 1.4
20 NR First Sec 11.38 0.18 0
21 NR Universit 14.54 0 0.34
- NR First Nat 16.97 5.15 4.03
23 NR First Nat 8.15 0 1.19
24 NR Cairo Ban 19.6 1.9 2.67
25 24 Liberty N 25.24 4.81 4.3
- NR First Nat 27.05 0.42 0.1
27 39 Bank of L 23.52 0.16 1.4
28 NR Valley Ba 19.89 0.17 0.34
29 NR Stanley B 15.34 7.89 0.06
- NR First B&T 25.85 0.86 1.27
31 NR Bank of B 23.82 0.39 1.03
32 NR Stockmens 17.87 0.45 0.36
33 NR Commerce 21.34 0.15 0.14
- NR Peoples B 17.22 0.35 0.35
35 25 Western B 29 1.97 1
36 NR Golden So 13.02 0.81 1.74
37 36 Oaks Bank 30.78 0 0
- 37 Alamosa N 30.36 0.55 0.3
39 15 Home Stat 33.38 0.34 0.45
40 43 Prior Lak 26.73 0.3 0.7
41 26 Citizens 41.13 2.34 2.55
- 13 American 25.37 0.35 0.06
43 32 Colorado 21.4 0 0
44 NR Latimer S 12.92 2.19 1.62
45 7 Capital B 37.25 1.64 0.56
46 21 Frontier 25.5 0.89 0.63
- NR Marshall 10.39 5.44 1.71
48 NR Douglas C 24.43 0.75 1.47
- NR Pikes Pea 13.07 0.14 1.82
50 46 Union Ban 27.06 1.18 0.17
- 31 State Ban 12.88 1.16 0.52
- 17 First Sta 17.47 3.43 2.33
Totals an 22.68 1.37 1.34
1 Eastern 13.18 0.06 1.4
17 Midwes 21.63 1.77 0.43
7 Souther 20.88 2.06 4.92
27 Wester 24.16 0.98 0.99
Top 50 Small Community Banks - Asset Mix
Loans and Leases C&I Loans
1997 1998 1997
Holdings - 170 1,501 1,399
Holdings a 7.5 62.2 62.2
part 4 of 6
ROA ROA 3 yr. Ann Loans as %
Rank Rank Total AssAsset Groof Assets
1998 1997 12/31/98 % 96 to '12/31/98
1 1 Tri-State $54.00 -0.9 24.4
2 3 First Sta 25.8 18.3 85.2
3 NR State Ban 50 9.7 57.9
4 NR Security 12.4 5.3 49
5 4 Avery Cou 58.3 8.1 32.2
6 26 Central B 59.9 8.4 68.6
7 2 American 31.3 0 61.2
8 NR First Sec 15 1.6 51.2
9 27 Wilmot St 20.1 5.6 52.4
10 5 First Col 56.5 2.3 70.4
11 22 State Ban 42.5 6.5 72.6
12 NR Citadel B 49 16.9 27.9
13 NR Kislak Na 89 -12.1 50
- NR Bank of S 32.4 6.6 47.2
15 29 Bank of C 26.6 10.2 60.9
16 NR Preston N 33.5 4.4 74
17 11 Lakeside 23.2 6.4 55.4
18 9 First Nat 35.3 4.8 78.6
19 NR First Lib 33.1 8.5 66.1
20 NR First Sec 9 -1.1 75.3
21 NR Universit 54 21.7 81.2
- NR First Nat 33.4 7.6 31.2
23 NR First Nat 33.9 0.9 45.3
24 NR Cairo Ban 74.1 0.2 57.5
25 24 Liberty N 48.8 0.8 69.8
- NR First Nat 24.1 8.5 75
27 39 Bank of L 25.3 5.9 56.8
28 NR Valley Ba 68.4 9.6 55.1
29 NR Stanley B 99.4 5.5 60.3
- NR First B&T 66.7 7.6 67.9
31 NR Bank of B 45.9 3.1 46.1
32 NR Stockmens 32 7.3 39.3
33 NR Commerce 71.2 5.2 46.9
- NR Peoples B 34.7 11.6 60.2
35 25 Western B 81.6 3.9 50.2
36 NR Golden So 74.6 23.8 83.1
37 36 Oaks Bank 67.8 9.2 50.2
- 37 Alamosa N 64.3 12.7 71.9
39 15 Home Stat 46.8 16.6 78.3
40 43 Prior Lak 93.3 9 57.6
41 26 Citizens 78.3 6 80
- 13 American 44.2 4 55.4
43 32 Colorado 46.4 10 49.5
44 NR Latimer S 48.8 6.1 58.8
45 7 Capital B 44.2 0.9 45.7
46 21 Frontier 34.4 12.1 42.2
- NR Marshall 17.1 3.5 62.8
48 NR Douglas C 99.5 21.2 68.9
- NR Pikes Pea 63.3 3.9 38.5
50 46 Union Ban 57.5 20.7 27.7
- 31 State Ban 48.6 9.3 63.6
- 17 First Sta 26.8 8.4 65.3
Totals an$2,506.50 7.4 57.74
1 Eastern 33.1 8.5 66.1
17 Midwes 742.5 7.5 60.1
7 Souther 502.1 3.3 54.7
27 Wester1,228.80 8.4 56.8
Top 50 Small Community Banks - Asset Mix
Construction/Land Dev.
1998 1997 1998
Holdings - 318 293 114
Holdings a 13.2 13 4.7
part 5 of 6
ROA ROA Loans Net
Rank Rank Outstandi Income as a % of Total Rev.
1998 1997 12/31/98 1998 1998
1 1 Tri-State $13.20 $3.30 23.39
2 3 First Sta 22 1 15.89
3 NR State Ban 28.9 2 28.46
4 NR Security 6.1 0.5 46.67
5 4 Avery Cou 18.8 2.3 3.06
6 26 Central B 41.1 2.3 26.86
7 2 American 19.2 1.3 37.07
8 NR First Sec 7.7 0.6 16.31
9 27 Wilmot St 10.5 0.8 29.53
10 5 First Col 39.8 2 10.47
11 22 State Ban 30.9 1.6 3.21
12 NR Citadel B 13.7 1.6 39.61
13 NR Kislak Na 44.5 2.8 33.83
- NR Bank of S 15.3 1 13.21
15 29 Bank of C 16.2 0.9 22.42
16 NR Preston N 24.8 1.2 28.99
17 11 Lakeside 12.8 0.8 13.72
18 9 First Nat 27.7 1.2 10.67
19 NR First Lib 21.9 1 13.58
20 NR First Sec 6.8 0.3 26.06
21 NR Universit 43.9 1.6 23.19
- NR First Nat 10.4 1 17.68
23 NR First Nat 15.3 1.1 6.2
24 NR Cairo Ban 42.7 2.4 35.45
25 24 Liberty N 34.1 1.5 23.55
- NR First Nat 18.1 0.7 10.12
27 39 Bank of L 14.4 0.8 20.77
28 NR Valley Ba 37.7 2.1 10.31
29 NR Stanley B 59.9 3 15.93
- NR First B&T 45.3 2 14.63
31 NR Bank of B 21.1 1.5 14.1
32 NR Stockmens 12.6 0.9 22.54
33 NR Commerce 33.3 2.1 14.64
- NR Peoples B 20.9 1 20.98
35 25 Western B 41 2.6 12.74
36 NR Golden So 62 2 5.74
37 36 Oaks Bank 34 2 24.33
- 37 Alamosa N 46.3 1.8 13.84
39 15 Home Stat 36.6 1.3 7.42
40 43 Prior Lak 53.8 2.6 16.51
41 26 Citizens 62.6 2.3 12.25
- 13 American 24.5 1.3 8.1
43 32 Colorado 23 1.3 12.16
44 NR Latimer S 28.7 1.4 12.32
45 7 Capital B 20.2 1.2 15.5
46 21 Frontier 14.5 0.9 19.65
- NR Marshall 10.7 0.5 10.95
48 NR Douglas C 68.5 2.6 16.6
- NR Pikes Pea 24.4 1.7 26.47
50 46 Union Ban 15.9 1.5 55.1
- 31 State Ban 30.9 1.3 4.74
- 17 First Sta 17.5 0.7 13.45
Totals an$1,446.50 $79.70 18.86
1 Eastern 21.9 N/M 13.58
17 Midwes 440.6 N/M 20.56
7 Souther 284.3 N/M 21.16
27 Wester 699.8 N/M 17.55
Top 50 Small Community Banks - Asset Mix
Agriculture/FarmlaCommercial RE
1997 1998 1997
Holdings - 95 195 192
Holdings a 4.2 8.1 8.5
part 6 of 6
ROA ROA NonintereAsset/LiaEfficiency
RankRank 1-year Ga Ratio Date
19981997 1997 12/31/98 1998 Established
1 1 Tri- 28.29 -10.6 25 1989
2 3 Firs 13.87 34.67 46.96 1934
3 NR Stat 11.02 0.53 37.82 1908
4 NR Secu 18.66 -10.3 50.61 1891
5 4 Aver 5.28 -5.34 22.48 1913
6 26 Cent 20.4 9.49 48.25 1950
7 2 Amer 46.71 48.96 54.48 1963
8 NR Firs 16.84 -10.89 42.09 1906
9 27 Wilm 35.1 6.43 46.63 1941
10 5 Firs 12.02 6.89 39.62 1932
11 22 Stat 2.89 -3.85 32.76 1892
12 NR Cita 40.12 -4.3 50.97 1972
13 NR Kisl 25.53 41.67 55.01 1963
- NR Bank 16 5.97 21.16 1935
15 29 Bank 16.31 -21.14 43.73 1968
16 NR Pres 31.13 25.16 60.59 1985
17 11 Lake 13.37 -14.03 41.54 1973
18 9 Firs 9.07 -24.71 41.56 1987
19 NR Firs 9.68 11.76 70.66 1988
20 NR Firs 11.89 -16.73 47.4 1901
21 NR Univ 15.68 -0.71 46.18 1988
- NR Firs 10.7 -13.54 52.08 1963
23 NR Firs 3.21 1 42.86 1907
24 NR Cair 15.71 -18.05 49.37 1900
25 24 Libe 20.78 11.5 56.72 1982
- NR Firs 9.7 -0.39 46.53 1881
27 39 Bank 22.23 -11.74 51.63 1949
28 NR Vall 8.14 16.05 44.66 1978
29 NR Stan 16.68 -2.08 44.54 1882
- NR Firs 13.94 3.49 47.98 1946
31 NR Bank 6 -35.18 47.09 1915
32 NR Stoc 23.95 1.84 49.07 1904
33 NR Comm 18.51 -17.49 54.16 1976
- NR Peop 23.02 -0.99 46.39 1903
35 25 West 12.4 -15.75 40.51 1948
36 NR Gold 7.5 17.65 48.79 1982
37 36 Oaks 25.24 15.01 46.38 1985
- 37 Alam 13.81 -22.78 51.23 1907
39 15 Home 7.52 -10.78 36.06 1915
40 43 Prio 15.65 7.8 49.97 1903
41 26 Citi 13.04 -7.04 39.2 1943
- 13 Amer 10.69 -21.33 46.62 1983
43 32 Colo 12.32 -5.91 49.06 1963
44 NR Lati 12.99 -10.89 36.35 1979
45 7 Capi 22.35 -20.17 47.13 1956
46 21 Fron 20.69 21.86 59.57 1975
- NR Mars 11.32 -12.98 34.34 1922
48 NR Doug 15.45 -12.42 48.49 1974
- NR Pike 25.93 31.22 56.88 1957
50 46 Unio 51.37 1.08 58.67 1976
- 31 Stat 5.32 9.84 25.98 1907
- 17 Firs 18.51 6.66 36.49 1905
Tota 17.2 -0.49 45.58 N/M
1 Ea 9.68 11.76 70.66 N/M
17 M 18.65 -1.97 43.59 N/M
7 So 17.73 -0.04 42.32 N/M
27 W 16.35 -0.39 46.75 N/M
Top 50 Small Community Banks - Asset Mix
1-4 Fam. Mortgage Consumer (Nonmtg.)
1998 1997 1998 1997
Holdi 313 279 326 314
Holdi 13 12.4 13.5 14
Source: Compiled by American Banker research from data provided by
