(Ranked by 3-Year Average ROE)
Who says small can't be powerful? U.S. Banker's annual performance ranking of the top 200 publicly traded community banks proves that tiny packages can pack a huge wallop.
It's no surprise, however, that the top three banks were in the fast-growing states of California, Florida and Nevada: Temecula Valley Bancorp, Florida Community Banks and Silver State Bancorp, respectively. No. 4 Smithtown Bancorp is based in Long Island, NY, and No. 5 Severn Bancorp is based in Annapolis, MD. The five banks had three-year average ROEs ranging from 29.39 to 22.86-outstanding by any measure.
The largest bank in the ranking, $997.6 million-asset Horizon Financial Corp., had a three-year average ROE of 11.91, while the smallest bank, $550.29 million-asset Coast Financial Holdings, had an ROE of -2.56.
Total 3-Year 3-Year 3-Yr. Avg. 3-Year Market Diluted Total
Assets Avg. Median Total Capital Total Value EPS EPS After Capital
Rank/Institution Ticker (Millions) ROE (%) EPS Growth Ratio (%) Return (%) (Millions) Growth (%) Extraordinary Ratio (%)
1 Temecula Valley Bancorp TMCV $868,988 29.39 29.20 11.46 162.37 $188.65 29.20 $1.46 11.02
2 Florida Comm. Banks FLCM 907,081 25.39 44.81 11.31 NA 253.89 47.53 3.29 10.39
3 Silver State Bancorp SSBX 808,161 23.82 80.95 11.16 396.68 279.56 70.00 1.19 12.23
4 Smithtown Bancorp SMTB 878,282 23.20 11.88 11.19 173.42 235.82 10.62 1.25 10.31
5 Severn Bancorp SVBI 845,695 22.86 17.36 13.63 87.06 176.14 11.97 1.59 13.30
6 First South Bancorp FSBK 833,125 21.49 18.49 11.83 118.34 277.20 18.49 1.41 11.70
7 Alliance Bancshares Calif. ABNS 674,973 20.67 47.54 11.70 167.95 97.36 47.54 0.90 11.82
8 Southwest Comm. Bancorp SWCB 656,503 19.00 48.15 14.08 99.78 152.87 89.17 2.27 14.93
9 Comm. Bancorp CMBC 908,550 18.85 26.90 12.01 212.85 255.88 26.90 2.17 10.80
10 C&F Financial Corp. CFFI 671,957 18.60 12.00 13.10 6.88 123.01 12.00 3.36 12.20
11 MidSouth Bancorp MSL 698,815 18.40 6.47 13.03 104.81 142.65 -2.70 1.44 12.35
12 CityBank CTBK 832,039 18.26 -2.51 23.38 118.92 471.59 167.02 5.02 22.95
13 Columbia Bancorp CBBO 841,239 18.25 9.09 11.14 85.74 239.08 25.93 1.36 10.66
14 United Security Bancshares UBFO 628,859 18.02 11.11 13.84 106.11 257.42 29.73 0.96 14.07
15 Orrstown Financial Services ORRF 601,460 17.57 15.45 13.17 57.23 225.63 26.43 1.77 12.78
16 San Joaquin Bank SJQN 627,014 17.45 21.19 10.69 131.27 125.07 21.19 1.83 10.51
17 Pacific Continental Corp. PCBK 791,794 17.34 16.67 11.32 91.17 176.02 16.67 1.05 10.48
18 First Business Financial Services FBIZ 669,235 16.56 -1.98 10.77 NA 58.15 5.46 1.93 10.43
19 United Security Bancshares USBI 621,483 16.47 15.25 19.21 36.73 183.45 3.92 2.12 20.02
20 Unity Bancorp UNTY 614,172 16.22 15.66 12.05 130.37 114.40 15.66 0.96 11.23
21 Pulaski Financial Corp. PULB 789,861 16.07 26.87 11.35 123.56 167.02 26.87 0.85 10.85
22 Southeastern Bank Financial Corp. SBFC 864,277 15.75 14.11 11.84 73.67 192.15 14.11 1.86 12.35
23 Savannah Bancorp SAVB 717,901 15.70 22.52 11.94 123.40 170.56 50.00 2.04 12.77
24 Penns Woods Bancorp PWOD 568,668 15.54 -0.36 21.92 33.78 153.22 -1.44 2.74 21.00
25 North Valley Bancorp NOVB 918,415 15.54 1.80 12.47 22.91 131.89 0.00 1.17 11.92
26 NewMil Bancorp NMIL 872,991 15.46 12.72 13.57 90.03 164.16 7.69 2.10 13.09
27 Bank of Marin BMRC 840,449 15.42 20.45 11.27 70.40 172.69 20.45 2.12 11.52
28 Middleburg Financial Corp. MBRG 739,911 15.41 1.66 14.22 20.46 122.46 1.66 1.84 11.96
29 Premier Comm. Bankshares PREM 674,396 15.34 13.51 13.74 64.55 106.08 11.90 1.41 13.54
30 Washington Banking Company WBCO 725,976 15.22 9.46 11.64 104.86 141.16 51.81 1.26 11.52
31 Heritage Financial Corp. HFWA 751,152 14.99 10.74 11.08 33.23 160.72 10.74 1.65 10.75
32 Pamrapo Bancorp PBCI 646,086 14.84 3.25 15.42 21.02 99.46 0.63 1.60 15.25
33 First Guaranty Bank FGYH 713,544 14.79 22.22 10.94 NA 118.89 -29.87 1.08 10.05
34 Comm. Bancorp CBON 892,708 14.75 8.91 16.94 NA 226.76 29.09 1.42 16.29
35 American River Bankshares AMRB 612,763 14.73 18.00 11.88 93.88 151.87 35.59 1.60 11.85
36 Pacific Premier Bancorp PPBI $702,733 14.66 5.88 12.86 62.61 $59.77 5.88 $1.08 11.78
37 NorthWest Indiana Bancorp NWIN 627,439 14.65 5.80 12.10 24.67 86.65 5.80 2.37 11.60
38 Bryn Mawr Bank Corp. BMTC 727,226 14.62 0.00 12.60 24.53 188.77 22.43 1.31 12.46
39 Crescent Banking Company CSNT 704,102 14.53 33.73 13.57 78.77 107.88 NM 1.59 10.81
40 First Northern Comm. Bancorp FNRN 660,647 14.49 10.45 11.50 165.22 228.37 35.06 1.04 11.80
41 Auburn National Bancorp. AUBN 608,153 14.47 6.92 16.89 65.12 89.68 0.60 1.69 16.99
42 RCB Corp. RCBC 755,636 14.42 6.62 13.90 78.34 126.69 88.31 13.05 14.80
43 Republic First Bancorp FRBK 850,855 14.41 75.93 13.09 196.23 134.44 -2.11 0.93 11.81
44 National Bankshares NKSH 841,498 14.33 6.79 14.17 28.70 162.72 1.73 1.76 14.10
45 Nexity Financial Corp. NXTY 784,518 14.29 16.13 11.46 NA 111.85 -20.83 0.57 12.76
46 Parish National Corp. PNLC 736,390 14.16 NA 10.34 NA NA NA NA 10.48
47 First Financial Service Corp. FFKY 766,513 14.13 6.70 11.70 25.89 118.67 17.62 2.27 11.52
48 Bank of Kentucky Financial Corp. BKYF 957,338 14.11 8.39 10.53 -13.33 151.77 1.19 1.70 10.66
49 Malaga Financial Corp. MLGF 580,542 14.07 2.38 13.61 59.43 71.65 -5.32 0.89 12.95
50 Intermountain Comm. Bancorp IMCB 733,682 14.04 35.42 11.67 180.68 151.10 46.58 1.07 11.99
51 Greater Comm. Bancorp GFLS 925,798 13.95 11.00 11.96 7.75 128.93 11.00 1.11 12.19
52 Security National Corp. SNLC 880,057 13.93 0.65 14.69 66.91 174.70 3.06 NA 13.80
53 Northrim BanCorp Inc. NRIM 895,022 13.85 5.85 13.02 62.15 145.85 5.85 1.81 13.35
54 New Hampshire Thrift Bancshares NHTB 650,179 13.70 7.50 11.97 60.31 68.22 7.50 1.29 11.31
55 First Mid-Illinois Bancshares FMBH 850,573 13.66 13.30 11.40 91.87 174.71 1.41 2.16 11.87
56 IBT Bancorp IRW 685,151 13.62 6.69 14.88 -3.32 118.16 42.57 2.88 NA
57 Bank of Utica BKUT 797,230 13.62 NA! 18.40 74.44 106.25 NA NA 23.24
58 BNC Bancorp BNCN 594,550 13.61 18.29 10.74 103.73 83.14 18.29 0.97 11.27
59 Monroe Bancorp MROE 713,060 13.52 7.92 11.50 33.40 101.59 7.92 1.09 10.94
60 Hingham Institution for Savings HIFS 628,251 13.43 5.42 14.19 10.65 77.45 5.42 2.92 13.60
61 Cass Information Systems CASS 818,698 13.42 8.40 12.20 211.04 277.34 35.66 1.94 12.80
62 Foresight Financial Group FGFH 593,792 13.37 3.95 12.13 55.63 75.66 -1.27 1.56 12.04
63 Princeton National Bancorp PNBC 945,263 13.30 7.80 10.82 44.20 112.50 7.24 2.37 9.76
64 First of Long Island Corp. FLIC 944,156 13.29 6.62 26.24 28.09 162.39 6.90 3.10 25.16
65 QNB Corp. QNBC 582,205 13.21 8.94 13.38 22.87 82.83 -18.46 1.59 13.77
66 Ohio Valley Banc Corp. OVBC 749,719 13.21 13.74 13.37 43.55 106.64 -15.03 1.64 13.50
67 Enterprise Bancorp EBTC 918,477 13.20 6.86 11.22 NA 121.88 11.17 2.19 11.12
68 Baraboo Bancorp. BAOB 691,608 12.95 10.34 10.54 60.27 101.53 10.16 1.41 10.82
69 CNB Financial Corp. CCNE 764,018 12.93 3.16 12.86 -7.55 125.79 16.28 1.00 12.76
70 United Bancorp UBMI 713,779 12.92 2.54 12.57 7.08 129.95 7.93 3.13 12.20
71 American National Bankshares AMNB 623,503 12.87 1.85 16.76 4.10 144.04 27.46 1.81 17.57
72 ACNB Corp. ACNB 945,136 12.76 -13.64 14.40 -9.98 109.27 -20.47 1.36 13.94
73 Wilber Corp. GIW 752,728 12.72 -1.28 14.32 13.06 119.60 -10.39 0.69 14.37
74 North Bay Bancorp NBAN 602,697 12.66 13.89 12.99 87.37 118.21 26.83 1.56 13.01
75 Citizens Holding Company CIZ 607,709 12.63 7.19 15.51 55.65 116.07 5.37 1.57 16.20
76 First Morris Bank & Trust FMJE 580,932 12.61 12.31 11.95 60.15 70.24 -14.38 1.25 11.58
77 First Star Bancorp FSSB 629,449 12.50 3.54 18.63 22.82 20.31 3.54 NA 20.24
78 First Banking Center FBCI 665,365 12.41 0.00 12.04 NA 96.21 62.93 NA 10.92
79 DCB Financial Corp DCBF 690,896 12.31 31.25 11.53 94.79 117.29 9.60 1.94 11.50
80 FNB Bancorp FBIP 633,870 12.24 -0.65 22.43 35.41 145.33 -1.52 9.06 23.33
81 Highlands Bankshares HBKA 599,341 12.24 8.05 12.80 29.54 86.35 8.05 0.94 12.99
82 Alliance Bankshares Corp. ABVA 611,485 12.15 40.35 19.22 80.20 93.00 40.35 0.80 16.97
83 Eastern Virginia Bankshares EVBS 763,926 12.14 1.37 13.59 8.35 108.04 -7.43 1.37 13.23
84 Cambridge Bancorp CATC 743,124 12.06 36.91 17.92 1.06 112.03 -4.90 1.94 17.81
85 Shore Bancshares SHBI 851,638 12.02 7.41 14.63 51.40 237.49 26.02 1.55 13.85
86 Old Point Financial Corp. OPOF 739,993 12.01 8.47 15.05 -0.26 115.68 -15.24 1.78 14.62
87 Horizon Financial Corp. HRZB 997,570 11.91 7.14 16.34 67.28 244.58 5.00 1.26 13.68
88 PremierWest Bancorp PRWT 913,661 11.85 40.00 12.04 93.63 226.32 44.23 0.75 11.85
89 Appalachian Bancshares APAB 592,606 11.75 16.35 12.51 45.57 102.35 16.35 1.21 14.52
90 Adirondack Trust Company ADKT 600,417 11.74 NA 19.35 NA NA NA NA 19.19
91 Cooperative Bankshares COOP $746,266 11.66 7.83 11.65 101.28 $111.82 17.76 $1.26 10.85
92 Comm. Capital Corp. CPBK 598,790 11.65 8.09 12.28 49.83 82.55 23.81 1.82 10.49
93 Security Federal Corp. SFDL 585,978 11.63 28.57 12.60 10.73 59.37 -17.47 1.37 11.80
94 Westbank Corp. WBKC 808,707 11.61 -0.79 13.05 24.50 77.13 10.53 1.05 12.88
95 Kentucky Bancshares KTYB 572,750 11.52 4.35 13.50 5.84 75.50 4.35 2.16 13.40
96 First Chester County Corp. FCEC 845,108 11.52 4.20 12.39 38.09 109.66 4.20 1.24 12.19
97 PVF Capital Corp. PVFC 823,899 11.50 -15.53 10.57 4.56 77.75 -18.39 0.71 10.97
98 HMN Financial HMNF 991,237 11.43 19.91 10.88 91.54 150.79 19.91 2.77 11.09
99 Harleysville Savings Financial Corp. HARL 766,990 11.34 2.59 14.42 26.28 67.68 1.60 1.27 13.86
100 ISB Financial Corp. ISBO 669,769 11.28 -4.12 16.87 89.47 125.60 -4.12 3.96 16.86
101 Alliance Financial Corp. ALNC 980,421 11.28 2.50 14.33 14.75 101.78 2.50 2.05 11.72
102 Ames National Corp. ATLO 819,384 11.07 2.48 19.25 38.49 208.26 -6.82 1.23 18.90
103 Alerus Financial Corp. ALRS 657,120 11.04 29.03 14.65 129.01 137.58 35.00 2.16 14.20
104 Franklin Financial Services Corp. FRAF 621,357 10.90 4.82 14.21 20.30 87.15 17.53 1.81 13.85
105 Wainwright Bank & Trust WAIN 841,954 10.81 6.25 11.04 52.36 83.15 1.28 0.79 11.10
106 Bar Harbor Bankshares BHB 748,455 10.56 13.41 13.17 46.31 90.14 13.41 2.03 11.80
107 Ephrata National Bank EPNB 577,578 10.56 3.46 19.65 29.07 104.57 3.46 2.39 18.97
108 Guaranty Bancshares GNTY 568,587 10.56 -4.62 12.87 41.17 54.13 17.74 1.46 11.79
109 Federal Trust Corp. FDT 735,416 10.43 24.24 11.47 102.06 103.59 26.19 0.53 11.30
110 Farmers National Banc Corp. FMNB 827,069 10.41 12.73 16.30 -23.80 137.59 12.73 0.62 15.75
111 MidWestOne Financial Group OSKY 676,332 10.41 2.74 12.07 36.16 71.37 6.00 1.59 11.65
112 Farmers & Merchants Bancorp FMAO 720,945 10.40 4.43 16.69 NA 119.83 4.43 1.65 17.68
113 LNB Bancorp LNBB 801,121 10.40 -14.16 11.89 -7.68 117.39 -14.16 0.97 11.39
114 First Federal Bancshares of Ark. FFBH 852,411 10.30 3.45 14.02 65.82 119.06 3.45 1.50 12.06
115 Eagle Bancorp EGBN 672,252 10.29 16.95 13.97 114.38 177.08 44.93 1.00 12.05
116 Dearborn Bancorp DEAR 706,497 10.27 26.09 12.79 49.24 130.55 14.55 1.26 13.29
117 Northeast Bancorp NBN 575,900 10.16 0.00 12.87 40.66 51.33 16.30 1.57 13.54
118 Integrity Bancshares ITYC 753,075 10.09 55.56 11.33 NA 189.65 55.56 0.42 10.60
119 Fentura Financial FETM 619,089 10.03 11.05 13.75 22.74 68.60 23.94 2.64 11.85
120 HF Financial Corp. HFFC 897,874 10.00 5.69 10.47 19.75 68.84 -0.77 1.29 10.66
121 Blue Valley Ban Corp. BVBC 689,589 9.99 1.25 11.87 14.47 69.55 132.93 1.91 12.04
122 Teche Holding Company TSH 676,822 9.87 -2.75 15.21 43.57 99.24 -8.87 2.26 13.73
123 German American Bancorp GABC 946,467 9.86 -6.41 11.80 -16.87 148.26 34.85 0.89 11.27
124 Home Federal Bancorp (MHC) HOME 689,577 9.85 NA 15.80 NA 233.83 NA 0.36 20.46
125 Tri City Bankshares Corp. TRCY 742,308 9.82 3.96 20.16 -0.36 172.42 3.96 1.05 19.54
126 LSB Bancshares LXBK 975,795 9.80 -3.00 13.38 19.29 153.81 15.46 1.12 12.53
127 IBT Bancorp IBTM 741,654 9.80 0.81 16.48 43.15 230.34 0.81 1.25 17.10
128 Fidelity Bancorp FSBI 677,779 9.77 -9.29 13.61 19.09 54.89 -9.29 1.27 13.20
129 Merchants Financial Group MFGI 712,073 9.63 -5.91 15.12 47.00 99.00 -8.52 NA 14.61
130 Penseco Financial Services Corp. PFNS 575,688 9.40 -6.12 20.21 23.49 94.51 4.60 2.73 18.62
131 Riverview Bancorp RVSB 572,571 9.38 -4.32 13.68 55.58 143.62 -4.32 1.33 12.37
132 First National Bank of Shelby FNSE 797,425 9.25 NA 19.01 7.73 NA NA NA 18.68
133 FNB Bancorp FNBG 569,141 9.23 13.61 13.08 71.20 100.05 24.55 2.08 11.59
134 FirstBank NW Corp. FBNW 801,122 9.20 1.92 11.29 110.79 155.14 -0.94 1.05 10.29
135 Chemung Financial Corp. CHMG 718,039 9.19 9.64 18.15 14.73 113.07 -22.84 1.79 18.06
136 Leesport Financial Corp. FLPB 965,752 9.15 -0.76 11.46 41.30 120.42 25.38 1.63 11.13
137 Carver Bancorp CNY 626,377 8.99 -19.58 15.77 7.56 41.91 -44.92 1.03 15.61
138 BNCCORP BNCC 740,016 8.90 17.54 9.87 -2.30 43.99 17.54 1.34 10.12
139 Home Federal Bancorp HOMF 850,786 8.86 -6.52 12.62 26.99 104.68 26.45 1.53 12.08
140 RMG Capital Corp. RMGC 611,650 8.78 NA 10.71 NA NA NA NA 10.11
141 O.A.K. Financial Corp. OKFC 591,085 8.69 9.74 13.86 36.57 103.24 34.43 2.46 13.17
142 Timberland Bancorp TSBK 552,765 8.42 -2.92 21.63 51.39 117.72 24.66 1.82 17.90
143 First Farmers and Merchants. FIME 811,039 8.36 0.68 19.43 -44.00 245.28 -1.97 1.49 19.96
144 Centrue Financial Corp. TRUE 641,341 8.30 -4.62 12.47 6.98 54.47 -4.62 1.86 12.57
145 United Financial Bancorp (MHC) UBNK 906,513 8.14 NA 14.82 NA 199.76 NA NA 18.28
146 High Point Bank Corp. HPTB $663,030 8.10 0.35 19.55 65.59 $129.53 0.35 NA 19.65
147 HopFed Bancorp HFBC 639,589 8.02 3.67 16.70 12.52 60.21 3.67 1.13 15.70
148 Peoples Bancorp of NC PEBK 730,280 7.95 42.61 12.05 107.42 104.80 42.61 1.64 12.19
149 Peoples BancTrust Company PBTC 811,773 7.93 4.35 14.16 36.06 114.56 3.70 1.12 14.51
150 Pocahontas Bancorp PFSL 741,264 7.84 -5.33 11.98 8.66 58.02 -5.33 0.71 11.50
151 Slade's Ferry Bancorp SFBC 585,914 7.70 10.23 15.04 15.97 70.18 10.23 0.97 15.72
152 CenterState Banks of Florida CSFL 871,521 7.68 15.79 15.44 117.42 224.01 15.79 0.66 19.23
153 BofI Holding BOFI 609,508 7.59 14.71 12.58 NA 65.39 2.56 0.40 14.45
154 NB&T Financial Group NBTF 650,248 7.53 -16.67 14.86 -0.33 68.53 -16.67 1.30 14.96
155 First Citizens Banc Corp. FCZA 750,936 7.42 -16.36 15.47 -9.74 112.73 25.00 1.15 16.10
156 First Federal Bankshares FFSX 586,813 7.24 6.38 12.27 19.88 74.44 -22.67 1.16 12.24
157 MutualFirst Financial MFSF 971,829 7.21 5.30 14.08 0.26 93.42 25.00 1.45 10.30
158 Team Financial TFIN 696,529 7.19 -5.43 12.23 43.80 55.99 11.49 0.97 12.72
159 North Dallas Bank & Trust Co. NODB 925,530 7.18 -13.23 31.91 7.36 141.94 -13.23 2.23 31.02
160 Atlantic Coast Federal Corp. (MHC) ACFC 743,849 7.08 NA 15.05 NA 217.11 NA 0.33 15.86
161 CIVITAS BankGroup CVBG 749,516 7.02 75.00 13.12 18.68 117.55 318.18 0.46 12.22
162 Abington Comm. Bancorp (MHC) ABBC 844,072 6.88 NA 22.99 NA 228.61 NA 0.41 23.47
163 MASSBANK Corp. MASB 898,679 6.88 -5.20 38.39 7.84 143.96 1.22 1.66 39.78
164 Community Bankshares SCB 556,836 6.84 -43.31 14.00 4.26 69.18 -69.44 0.22 14.00
165 Community Bank Shares of Indiana CBIN 665,008 6.72 11.49 11.08 63.63 59.97 45.36 1.41 10.54
166 Northway Financial NWFI 632,734 6.71 -6.28 14.00 32.76 55.83 -20.98 1.77 15.24
167 Peoples Financial Corp. PFBX 845,325 6.54 15.56 23.54 47.47 117.79 1.92 1.06 21.51
168 Pacific Mercantile Bancorp PMBC 981,156 6.49 30.43 17.54 81.22 182.92 17.39 0.54 16.10
169 Berkshire Bancorp Inc. BERK 977,452 6.49 0.00 28.27 28.47 111.68 -27.27 0.80 28.60
170 MFB Corp. MFBC 554,877 6.34 39.23 11.19 17.00 39.34 39.23 1.81 11.11
171 K-Fed Bancorp (MHC) KFED 639,882 6.22 NA 16.83 NA 203.16 NA 0.36 16.74
172 Synergy Financial Group SYNF 973,887 6.14 20.13 13.27 184.88 170.41 8.11 0.40 12.84
173 Bancorp TBBK 917,471 6.06 89.29 18.93 NA 310.60 100.00 0.48 18.69
174 Willow Grove Bancorp WGBC 959,255 6.00 14.52 18.74 16.01 251.67 14.52 0.71 17.69
175 Tower Financial Corp. TOFC 557,821 5.98 35.56 12.73 47.71 78.38 37.70 0.84 13.23
176 American Bancorp of New Jersey ABNJ 555,860 5.85 -6.25 13.99 NA 161.53 -6.25 0.15 14.13
177 SI Financial Group Inc. (MHC) SIFI 691,868 5.77 NA 16.29 NA 136.61 NA 0.28 16.79
178 Vision Bancshares VBAL 587,879 5.76 395.24 11.49 169.10 122.79 395.24 1.04 11.81
179 First PacTrust Bancorp FPTB 755,177 5.69 16.94 17.07 60.39 127.09 -2.59 1.13 15.57
180 Capital Bank Corp. CBKN 960,906 5.57 25.97 12.72 12.53 187.72 25.97 0.97 13.71
181 UnionBancorp UBCD 676,222 5.40 -11.61 13.26 15.80 75.42 -11.61 0.99 13.33
182 Gateway Financial Holdings GBTS 883,373 5.27 35.29 15.08 94.89 167.40 35.29 0.46 15.17
183 Northern States Financial Corp. NSFC 722,528 5.19 -27.34 15.52 -26.00 87.19 -47.31 0.49 16.14
184 Clifton Savings Bancorp (MHC) CSBK 841,877 4.80 NA 49.67 NA 315.86 NA 0.18 50.83
185 Meta Financial Group CASH 776,349 4.74 35.88 12.38 32.46 56.53 NM -0.38 NA
186 Vail Banks VAIL 686,319 4.56 50.91 12.22 43.16 93.23 50.91 0.83 10.91
187 Westfield Financial Inc. (MHC) WFD 805,095 4.49 0.00 27.40 37.30 231.10 0.00 0.64 25.68
188 TF Financial Corp. THRD 660,839 4.05 -5.58 15.06 -5.15 82.52 -5.58 2.20 15.04
189 Citizens South Banking Corp. CSBC 701,094 3.93 -2.56 15.86 1.17 103.27 18.42 0.45 12.08
190 Benjamin Franklin Bancorp BFBC 867,057 3.91 NA 13.99 NA 119.01 NA NA 15.30
191 PSB Bancorp PSBI 560,682 3.52 -37.84 15.53 67.13 61.43 -50.00 0.20 14.88
192 Lincoln Bancorp LNCB 844,454 3.26 -12.00 13.03 10.36 97.93 -71.60 0.23 11.60
193 Legacy Bancorp LEGC 778,330 2.87 NA 15.43 NA 154.53 NA NA 20.00
194 BCSB Bankcorp (MHC) BCSB 812,745 2.12 -31.82 14.78 -9.12 78.34 -33.33 0.10 13.08
195 Rainier Pacific Financial Group RPFG 870,843 0.72 -10.42 19.96 NA 118.86 -10.42 0.43 14.05
196 Bank of Guam BKGM 794,728 -0.05 9.46 17.22 46.39 71.27 9.46 0.81 16.82
197 Coast Financial Holdings CFHI 550,294 -2.56 NA 17.47 NA 107.40 NM -0.14 21.20
198 Bancshares of Florida BOFL 569,782 -3.89 NA 13.04 129.17 186.43 NM 0.79 13.37
199 AmeriServ Financial ASRV 880,176 -7.70 NA 16.38 54.72 108.94 NM -0.45 15.61
200 Community Bancshares COMB 572,468 -10.54 NA 15.76 NA 87.63 NM 0.19 15.77
Source: SNL Financial, Charlottesville, VA (www.snl.com); data as of 01/31/05, except 3-year total returns, which are as of 6/05/06.
