{Ranked by 3-Year Average ROE}

Mid-tier banks fight a two-front war. Big banks have more resources and can offer less expensive services, while small banks tout personal service. USB's annual ranking measures publicly traded banks, with between $1 billion and $10 billion in assets, on three-year average return on equity. Mid tiers posted a median ROE of 15.65 percent, which was higher than that of large banks (15.15 percent) and community banks (14.05 percent) for the same period. Top banks are Temecula Valley Bancorp*, with 30.4 percent, Westamerica Bancorp, with 26.6 percent, and Wilshire Bancorp, with 26.4 percent.

Rank/Institution Ticker Total Assets (Thousands) 3-Year Avg. ROE (%) 3-Year Median EPS Growth 3-Yr. Avg. Total Capital Ratio (%) 3-Year Total Return (%) Market Value (Millions) EPS Growth (%) Diluted EPS After Extraordinary Total Capital Ratio (%)

1 Temecula Valley Bancorp TMCV $1,028,227 30.4 33.3 10.7 174.2 $216.2 14.6 0.5 10.3

2 Westamerica Bancorp WABC 4,906,886 26.6 7.0 11.0 16.4 1483.3 -7.2 0.8 10.9

3 Wilshire Bancorp WIBC 1,853,814 26.4 35.3 12.9 282.1 550.1 26.1 0.3 13.5

4 TrustCo Bank Corp NY TRST 2,967,789 25.4 5.3 17.6 4.1 805.2 -15.0 0.2 16.7

5 First Regional Bancorp FRGB 1,999,944 25.2 49.0 10.9 365.6 390.3 49.0 2.2 NA

6 Bank of the Ozarks OZRK 2,420,597 22.9 21.1 12.8 66.9 510.7 2.2 0.5 11.9

7 CVB Financial Corp. CVBF 5,952,419 21.9 8.7 13.0 34.5 1098.6 8.7 0.3 12.7

8 Vineyard National Bancorp VNBC 1,863,962 21.8 29.7 13.9 134.8 297.4 8.3 0.5 14.9

9 Suffolk Bancorp SUBK 1,443,104 21.6 8.7 10.8 5.0 318.3 10.0 0.6 10.2

10 EuroBancshares EUBK 2,444,308 21.5 -46.1 12.3 NA 184.3 -36.0 0.2 12.9

11 City Holding Co. CHCO 2,522,021 21.4 8.5 15.5 28.0 675.2 8.5 0.8 15.5

12 Corus Bankshares CORS 9,571,933 21.4 51.9 16.9 96.7 1259.1 51.9 0.8 14.9

13 Sierra Bancorp BSRR 1,148,504 21.1 24.1 14.0 126.8 321.9 38.9 0.5 14.4

14 Capital Crossing Bank CAPX 1,055,947 20.2 12.9 18.1 70.1 135.4 12.9 0.7 NA

15 Virginia Commerce Bancorp VCBI 1,728,666 19.9 25.0 11.9 132.7 504.6 40.0 0.3 11.9

16 Nara Bancorp NARA 1,987,480 19.9 27.8 11.8 102.1 474.9 30.4 0.3 12.9

17 Center Financial Corp. CLFC 1,649,305 19.8 27.8 11.2 175.1 389.3 27.8 0.5 11.1

18 Cascade Bancorp CACB 2,147,038 19.7 21.7 11.0 145.1 765.9 46.4 0.4 11.5

19 West Bancorp WTBA 1,347,255 19.4 8.3 11.8 13.8 282.3 -3.5 0.3 10.4

20 Coastal Financial Corp. CFCP 1,624,081 19.3 14.3 13.4 48.8 255.9 14.3 0.2 NA

21 Frontier Financial Corp. FTBK 3,099,500 18.8 21.6 12.0 106.2 1154.4 26.7 0.6 12.4

22 Independent Bank Corp. IBCP 3,442,721 18.7 -2.3 10.6 20.2 564.7 -9.4 0.5 10.4

23 First Midwest Bancorp FMBI 8,692,828 18.4 0.0 11.3 30.3 1760.5 -1.7 0.6 11.2

24 Beverly Hills Bancorp BHBC 1,465,514 18.4 0.0 16.0 138.7 196.8 0.0 0.2 19.8

25 UCBH Holdings UCBH 8,291,093 18.2 16.7 12.3 13.6 1576.9 -3.7 0.3 11.4

26 Capital Corp of the West CCOW 1,806,553 18.0 21.3 11.8 79.9 335.0 21.3 0.6 12.3

27 F.N.B. Corp. FNB 6,072,739 18.0 -9.7 11.4 8.9 966.7 -9.7 0.3 11.1

28 Park National Corp. PRK 5,412,447 17.9 -1.2 16.1 -1.2 1386.0 -1.2 1.7 15.4

29 S.Y. Bancorp SYBT 1,340,101 17.8 8.1 15.0 66.7 390.7 8.1 0.4 14.7

30 Great Southern Bancorp GSBC 2,244,160 17.6 -27.0 11.9 38.3 361.6 -27.0 0.5 NA

31 Northern Empire Bancshares NREB 1,328,763 17.6 20.0 12.0 113.1 256.7 19.4 0.4 11.8

32 Glacier Bancorp GBCI 3,913,382 17.5 9.8 14.2 105.9 1042.4 9.8 0.5 13.0

33 Old Second Bancorp OSBC 2,423,139 17.5 7.9 11.0 58.3 401.0 -4.2 0.5 11.0

34 First Busey Corp. BUSE 2,342,375 17.2 6.5 10.8 37.4 446.9 6.5 0.3 10.6

35 Camden National Corp. CAC 1,755,674 17.2 10.9 12.1 74.1 285.9 5.6 0.8 11.5

36 Republic Bancorp RBNC 6,346,590 16.7 5.0 12.5 45.5 976.8 -4.4 0.2 12.0

37 Summit Financial Group SMMF 1,179,648 16.6 13.2 11.7 37.3 137.4 -14.0 0.4 NA

38 First Mutual Bancshares FMSB 1,103,173 16.5 11.1 11.8 65.1 143.6 11.1 0.5 11.1

39 Intervest Bancshares Corp. IBCA 1,791,672 16.4 14.9 13.8 247.1 337.5 14.9 0.8 14.6

40 U.S.B. Holding Co. UBH 2,820,286 16.4 -18.0 15.0 56.4 482.6 -18.0 0.3 NA

41 Merchants Bancshares MBVT $1,119,474 16.2 -8.2 13.9 19.7 $144.9 -12.5 0.4 13.6

42 West Coast Bancorp WCBO 2,295,410 16.1 12.5 11.5 62.7 455.9 12.5 0.5 11.2

43 Summit Bancshares SBIT 1,160,731 16.0 12.0 11.5 142.5 349.6 12.0 0.3 11.5

44 Sterling Bancorp STL 1,994,934 16.0 -6.1 14.2 15.9 355.7 -16.1 0.3 12.9

45 Arrow Financial Corp. AROW 1,516,334 16.0 -2.2 14.2 17.0 262.5 -6.8 0.4 13.8

46 Hancock Holding Co. HBHC 6,155,192 16.0 20.0 13.7 133.6 1672.7 20.0 0.7 NA

47 TriCo Bancshares TCBK 1,871,156 15.9 15.4 11.7 83.4 386.2 14.3 0.4 11.1

48 Preferred Bank PFBC 1,215,791 15.9 26.1 12.1 238.4 391.2 36.2 0.8 12.7

49 Western Alliance Bancorp WAL 3,889,900 15.8 20.9 12.5 NA 982.9 18.8 0.4 11.0

50 S&T Bancorp STBA 3,301,896 15.7 6.3 11.7 18.3 776.4 -25.9 0.4 11.3

51 Commercial Bankshares CLBK 1,056,074 15.6 6.7 13.8 55.4 216.2 4.2 0.5 13.4

52 First Financial Holdings FFCH 2,653,440 15.6 4.0 11.5 25.3 387.4 20.4 0.6 NA

53 NBT Bancorp NBTB 4,995,912 15.6 5.3 10.9 27.1 765.7 2.5 0.4 11.2

54 Lakeland Financial Corp. LKFN 1,727,561 15.6 8.3 12.2 64.5 283.9 8.3 0.4 11.9

55 United Bankshares UBSI 6,717,873 15.5 3.6 11.4 34.0 1490.9 5.3 0.6 11.4

56 First Financial Bankshares FFIN 2,715,423 15.5 7.8 17.3 56.9 770.9 7.8 0.6 15.5

57 Tompkins Trustco TMP 2,136,688 15.5 -1.6 13.5 35.0 416.8 -2.9 0.7 13.7

58 State Bancorp STBC 1,631,590 15.4 -6.3 11.7 27.2 218.3 0.0 0.3 8.3

59 Trustmark Corp. TRMK 8,234,588 15.3 7.6 11.2 31.8 1768.6 41.0 0.6 10.9

60 Royal Bancshares of Penn. RBPAA 1,359,209 15.2 9.7 18.6 30.8 268.1 -35.7 0.4 18.8

61 Harbor Florida Bancshares HARB 3,219,540 15.1 4.8 17.3 84.7 1060.2 3.9 0.5 15.8

62 Southwest Bancorp OKSB 2,188,102 15.1 11.1 13.9 60.0 358.9 12.5 0.5 13.8

63 PrivateBancorp PVTB 3,650,855 15.1 10.7 11.1 158.4 950.1 38.2 0.5 10.6

64 Independent Bank Corp. INDB 2,921,927 14.9 5.8 11.7 32.9 481.0 5.8 0.6 11.6

65 PFF Bancorp PFB 4,487,517 14.9 16.2 11.2 118.0 931.6 26.5 0.6 10.9

66 BancFirst Corp. BANF 3,389,689 14.8 8.6 13.8 87.4 740.2 8.6 0.8 NA

67 Washington Trust Bancorp WASH 2,432,277 14.8 9.8 10.9 14.4 348.0 9.8 0.5 10.9

68 CoBiz COBZ 2,095,163 14.7 20.0 12.6 116.4 503.4 31.6 0.3 NA

69 Enterprise Financial Services EFSC 1,306,236 14.5 24.1 11.2 107.9 291.2 24.1 0.4 11.1

70 BankAtlantic Bancorp BBX 6,402,357 14.4 3.6 11.3 38.8 781.4 -65.8 0.1 NA

71 MB Financial MBFI 5,908,883 14.4 10.9 12.4 32.8 991.3 -1.6 0.6 12.4

72 Harrington West Financial Group HWFG 1,125,553 14.4 5.7 10.6 47.9 89.3 5.7 0.4 NA

73 Sandy Spring Bancorp SASR 2,586,353 14.3 1.9 14.0 18.3 518.5 1.9 0.5 13.1

74 Republic Bancorp RBCAA 2,800,679 14.3 0.0 13.3 48.6 346.4 -21.1 0.3 NA

75 Univest Corp. of Pennsylvania UVSP 1,851,573 14.3 0.0 12.1 33.5 360.6 0.0 0.5 NA

76 Flushing Financial Corp. FFIC 2,640,242 14.3 -2.9 13.2 29.9 353.1 -9.1 0.3 12.6

77 Harleysville National Corp. HNBC 3,217,018 14.2 0.0 12.6 12.8 551.1 -5.7 0.3 NA

78 Community Trust Bancorp CTBI 2,965,211 14.2 8.3 12.7 71.2 548.6 16.1 0.7 12.7

79 WSFS Financial Corp. WSFS 3,036,630 14.2 15.5 14.4 42.8 408.8 21.1 1.1 13.0

80 Provident Financial Holdings PROV 1,622,470 14.2 -4.8 12.3 57.4 210.1 -17.7 0.6 13.4

81 Colony Bankcorp CBAN 1,169,161 14.2 16.1 11.3 39.6 143.8 16.1 0.4 11.4

82 Community Bancorp CBON 1,009,513 14.1 28.9 15.8 NA 247.2 72.4 0.5 15.0

83 Cathay General Bancorp CATY 7,457,650 14.1 15.9 11.3 66.8 1869.4 9.8 0.6 10.5

84 Horizon Financial Corp. HRZB 1,190,780 14.0 19.4 14.6 98.0 302.0 24.3 0.5 NA

85 Macatawa Bank Corp. MCBC 1,981,318 14.0 9.4 11.2 88.7 361.3 9.4 0.4 10.9

86 Southside Bancshares SBSI 1,875,676 14.0 0.0 18.3 87.9 301.1 -3.5 0.3 NA

87 Union Bankshares Corp. UBSH 2,077,522 14.0 0.0 11.6 56.0 368.2 0.0 0.8 NA

88 Sterling Financial Corp. SLFI 3,094,126 13.9 10.0 12.7 51.6 618.9 6.1 0.4 12.6

89 Horizon Bancorp HBNC 1,131,141 13.9 1.8 12.2 27.5 81.4 7.6 0.6 NA

90 First Charter Corp. FCTR 4,363,274 13.9 4.4 11.5 41.6 724.2 0.0 0.4 12.0

91 PAB Bankshares PABK 1,060,046 13.8 22.2 13.9 51.4 174.9 15.6 0.4 NA

92 United Community Banks UCBI 6,331,136 13.8 16.7 11.3 79.7 1272.5 17.1 0.4 11.3

93 Anchor BanCorp Wisconsin ABCW 4,356,921 13.8 -5.8 10.8 33.3 646.1 -5.8 0.5 10.5

94 First National Lincoln Corp. FNLC 1,100,583 13.8 10.7 12.3 43.2 171.3 3.2 0.3 NA

95 Dime Community Bancshares DCOM 3,123,921 13.7 0.0 13.7 -4.9 510.3 30.0 0.3 13.4

96 OceanFirst Financial Corp. OCFC 2,100,745 13.7 2.5 10.8 -6.7 259.7 2.5 0.4 NA

97 National Penn Bancshares NPBC 5,225,420 13.6 6.5 11.4 26.8 881.9 3.0 0.3 11.0

98 First Community Bancshares FCBC 1,979,632 13.6 10.0 11.5 -2.8 341.4 18.2 0.7 NA

99 FNB Financial Services Corp. FNBF 1,027,827 13.6 13.8 11.1 21.9 102.9 13.8 0.3 NA

100 Mid-State Bancshares MDST 2,327,660 13.5 5.1 12.8 40.1 582.7 -4.9 0.4 11.9 (c) 2006 U.S. Banker and SourceMedia, Inc. All Rights Reserved. http://www.us-banker.com http://www.sourcemedia.com

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