Listed in order of total assets on December 31, 1994, compared with December 31, 1993 (dollar amounts in thousands) Set 1 of 3 Rank 12/94 101 Pomona First Fed. Savings & Loan Assn., Calif. (M) 102 Bankers Savings, Perth Amboy, N.J. (b) 103 Southern California Federal S&L Assn., Beverly Hills 104 Ridgewood Savings Bank, Queens, New York (M) 105 Standard Federal Bank for Savings, Chicago 106 Mid America Fed. Savings Bank, Clarendon Hills, Ill. 107 Provident Savings Bank, Jersey City, N.J. (M) 108 Sterling Savings Assn., Spokane, Wash. 109 American Federal Savings Bank, Reno, Nev. 110 Main Line Federal Savings Bank, Villanova, Pa. 111 North Side Savings Bank, Bronx, New York 112 BankAtlantic, FSB, Fort Lauderdale, Fla. 113 United Savings Bank, FSB, San Francisco 114 Jamaica Savings Bank, FSB, Lynbrook, N.Y. 115 Northwest Savings Bank, PaSA, Warren, Pa. (M) 116 AnchorBank, SSB, Madison, Wis. 117 River Bank America, New York 118 Roslyn Savings Bank, N.Y. (M) 119 MidFirst Bank, SSB, Oklahoma City 120 Society First Federal Savings Bank, Fort Myers, Fla. (b) 121 First Indiana Bank, FSB, Indianapolis 122 Staten Island Savings Bank, New York (M) 123 East West Federal Bank, FSB, San Marino, Calif. 124 Carteret Federal Savings Bank, Morristown, N.J. H (M) 125 First Federal Savings Bank, Lakewood, Colo. 126 Firstrust Savings Bank, Philadelphia 127 Stockton Savings Bank, FSB, Calif. 128 American Federal Bank, FSB, Greenville, S.C. 129 Superior Federal Bank, FSB, Fort Smith, Ark. (b) 130 Columbia Savings Bank, SLA, Fair Lawn, N.J. (M) 131 Northwestern Savings & Loan Assn., Chicago 132 Columbia Federal Savings Bank, Queens, New York 133 Mutual Savings Bank of Wisconsin, SA, Milwaukee (M) 134 Derby Savings Bank, Conn. 135 Beneficial Mutual Savings Bank, Philadelphia (M) 136 Commonwealth Savings Bank, Valley Forge, Pa. 137 Financial Fed. Trust & Savings Bank, Olympia Fields, Ill.(M) 138 First Federal Savings Bank, LaCrosse, Wis. 139 Binghamton Savings Bank, N.Y. 140 Pacific Southwest Bank, FSB, Corpus Christi, Tex. 141 Franklin Federal Bancorp, FSB, Austin, Tex. 142 Queens County Savings Bank, Queens, New York 143 American Savings Bank, New Britain, Conn. (M) 144 Magnolia Federal Bank for Savings, Hattiesburg, Miss. 145 First Federal S & L Assn., West Palm Beach, Fla. 146 Liberty Bank, Middletown, Conn. (M) 147 Investors Savings Bank, FSB, Wayzata, Minn. 148 Eagle Federal Savings Bank, Bristol, Conn. 149 InterWest Savings Bank, Oak Harbor, Wash. 150 Middlesex Savings Bank, Natick, Mass. (M) 151 D&N Bank, FSB, Hancock, Mich. 152 Andover Bank, Mass. 153 Harris Savings Bank, Harrisburg, Pa. 154 Ameribanc Savings Bank, FSB, Annandale, Va. 155 St. Francis Bank, FSB, Milwaukee 156 Home Savings Bank, FSB, Hollywood, Fla. 157 Bankers First Savings Bank, FSB, Augusta, Ga. (b) 158 Midland Savings Bank, FSB, Des Moines, Iowa 159 Key Savings Bank, Seattle (b) 160 Maryland Federal Savings & Loan Assn., Hyattsville 161 Home Savings & Loan Co., Youngstown, Ohio (M) 162 First Federal Savings & Loan Assn., Honolulu, Hawaii (b,c) 163 Life Savings Bank, FSB, Norfolk, Va. 164 Wilmington Savings Fund Society, FSB, Del. 165 Ocean Federal Savings Bank, Brick Town, N.J. (M) 166 First Federal Savings & Loan Assn., Lincoln, Neb. (c) (M) 167 Superior Bank, FSB, Oakbrook, Ill. 168 Redlands Federal Bank, FSB, Calif. 169 Cambridge Savings Bank, Cambridge, Mass. (M) 170 First Federal S&L Assn., Charleston, S.C. 171 First Bank, FSB, Clayton, Mo. (b) 172 First Bank, FSB, Hillside, Mo. 173 North Shore Bank, FSB, Brookfield, Wis. (M) 174 Springfield Institution for Savings, Mass. (M) 175 Compass Bank for Savings, New Bedford, Mass. 176 Lockport Savings Bank, N.Y. (M) 177 Medford Savings Bank, Mass. 178 York Federal Savings & Loan Assn., Pa. 179 AmeriFed Bank, FSB, Joliet, Ill. 180 Union Federal Savings Bank, Brea, Calif. 181 Advantage Bank, SSB, Kenosha, Wis. 182 Mutual Savings Bank, FSB, Bay City, Mich. 183 Reliance Federal Savings Bank, Garden City, N.Y. 184 Jefferson Savings & Loan Assn., Ballwin, Mo. 185 Parkvale Savings Bank, Monroeville, Pa. 186 Savings Bank of Manchester, Conn. (M) 187 Massbank for Savings, Reading, Mass. 188 First Federal Savings & Loan Assn., Wooster, Ohio 189 Quincy Savings Bank, Mass. 190 Richmond County Savings Bank, Staten Island, New York (M) 191 Savings Bank of Utica, N.Y. (M) 192 Harbor Federal Savings Bank, Fort Pierce, Fla. 193 PonceBank, Ponce, P.R. 194 Spencer Savings Bank, SLA, Garfield, N.J. (M) 195 First Liberty Bank, Macon, Ga. 196 First Essex Bank, FSB, Lawrence, Mass. 197 First Savings Bank, SLA, Perth Amboy, N.J. 198 Hamilton Federal Savings, FA, Brooklyn, New York 199 First Federal Savings & Loan Assn., East Hartford, Conn. 200 Co-op Bank of Concord, Mass. Set 2 of 3
Tier 1 Rank Total Assets Rank Rank Capital 12/94 12/31/94 12/31/93 12/93 Change 12/94 101 Pomona First Fe 1,764,239 1,645,945 110 9 113,835 102 Bankers Savings 1,756,717 1,622,262 114 12 166,936 103 Southern Califo 1,730,318 1,829,309 99 -4 31,325 104 Ridgewood Savin 1,699,993 1,727,062 105 1 221,639 105 Standard Federa 1,663,071 1,511,697 122 17 185,261 106 Mid America Fed 1,660,595 1,610,044 115 9 95,485 107 Provident Savin 1,617,526 1,628,613 113 6 147,193 108 Sterling Saving 1,606,206 1,130,093 157 49 82,999 109 American Federa 1,558,786 735,649 225 116 99,629 110 Main Line Feder 1,554,000 1,066,076 166 56 145,943 111 North Side Savi 1,547,839 1,434,756 128 17 103,531 112 BankAtlantic, F 1,540,189 1,360,184 133 21 104,333 113 United Savings 1,522,388 1,456,743 126 13 73,035 114 Jamaica Savings 1,509,389 1,566,868 120 6 211,850 115 Northwest Savin 1,503,407 1,359,413 134 19 169,882 116 AnchorBank, SSB 1,478,908 1,374,134 131 15 96,065 117 River Bank Amer 1,461,311 1,496,222 123 6 107,853 118 Roslyn Savings 1,443,951 1,348,491 137 19 199,534 119 MidFirst Bank, 1,423,445 1,154,963 155 36 91,280 120 Society First F 1,401,602 1,353,606 135 15 123,191 121 First Indiana B 1,393,593 1,324,204 139 18 113,590 122 Staten Island S 1,376,220 1,365,544 132 10 129,697 123 East West Feder 1,314,672 1,106,500 161 38 73,890 124 Carteret Federa 1,306,203 2,885,833 59 -65 -179,130 125 First Federal S 1,303,209 1,223,443 147 22 106,990 126 Firstrust Savin 1,289,627 1,263,115 142 16 173,569 127 Stockton Saving 1,282,536 1,122,503 158 31 73,035 128 American Federa 1,254,418 1,112,516 159 31 94,815 129 Superior Federa 1,253,858 1,226,054 146 17 66,483 130 Columbia Saving 1,244,672 1,178,534 153 23 92,252 131 Northwestern Sa 1,234,911 1,203,547 149 18 161,725 132 Columbia Federa 1,232,225 1,219,766 148 16 76,982 133 Mutual Savings 1,225,130 1,235,191 144 11 141,749 134 Derby Savings B 1,224,673 1,196,734 150 16 67,826 135 Beneficial Mutu 1,224,299 1,267,290 141 6 111,619 136 Commonwealth Sa 1,220,953 1,181,308 152 16 121,687 137 Financial Fed. 1,183,262 1,226,453 145 8 82,116 138 First Federal S 1,177,941 945,034 185 47 71,271 139 Binghamton Savi 1,171,915 1,100,136 162 23 109,360 140 Pacific Southwe 1,170,232 1,494,792 124 -16 80,469 141 Franklin Federa 1,168,902 1,606,664 116 -25 58,382 142 Queens County S 1,165,863 1,065,865 167 25 123,680 143 American Saving 1,164,936 1,089,443 163 20 176,833 144 Magnolia Federa 1,146,534 1,107,254 160 16 77,631 145 First Federal S 1,139,293 959,409 183 38 86,710 146 Liberty Bank, M 1,126,589 1,064,865 169 23 90,646 147 Investors Savin 1,125,464 1,016,047 177 30 69,671 148 Eagle Federal S 1,116,979 803,715 212 64 72,031 149 InterWest Savin 1,110,936 914,828 191 42 80,782 150 Middlesex Savin 1,097,380 1,042,356 174 24 85,494 151 D&N Bank, FSB, 1,088,693 1,065,412 168 17 52,127 152 Andover Bank, M 1,058,299 831,670 207 55 70,712 153 Harris Savings 1,058,088 1,087,006 165 12 138,941 154 Ameribanc Savin 1,055,871 1,063,422 170 16 63,154 155 St. Francis Ban 1,052,835 865,019 203 48 82,554 156 Home Savings Ba 1,047,735 1,048,509 173 17 195,961 157 Bankers First S 1,044,622 886,231 197 40 59,306 158 Midland Savings 1,044,456 912,730 192 34 68,637 159 Key Savings Ban 1,040,086 1,577,316 119 -40 143,875 160 Maryland Federa 1,039,715 838,614 205 45 77,973 161 Home Savings & 1,019,887 1,006,001 179 18 109,377 162 First Federal S 1,009,781 1,000,579 180 18 138,417 163 Life Savings Ba 997,454 792,441 215 52 103,223 164 Wilmington Savi 996,990 829,991 208 44 74,671 165 Ocean Federal S 977,618 940,601 187 22 83,907 166 First Federal S 971,129 1,055,623 171 5 67,157 167 Superior Bank, 954,166 1,053,371 172 5 60,762 168 Redlands Federa 953,742 915,894 189 21 53,716 169 Cambridge Savin 943,477 946,145 184 15 70,864 170 First Federal S 932,170 883,720 199 29 71,287 171 First Bank, FSB 930,926 637,409 263 92 76,350 172 First Bank, FSB 930,926 76,350 173 North Shore Ban 927,724 816,359 210 37 76,305 174 Springfield Ins 920,689 969,904 182 8 31,624 175 Compass Bank fo 918,734 706,840 235 60 57,734 176 Lockport Saving 916,185 914,910 190 14 95,826 177 Medford Savings 915,055 832,082 206 29 66,639 178 York Federal Sa 902,176 890,910 195 17 72,023 179 AmeriFed Bank, 889,148 876,729 201 22 68,835 180 Union Federal S 884,978 942,191 186 6 27,598 181 Advantage Bank, 883,281 677,171 248 67 63,066 182 Mutual Savings 864,542 878,023 200 18 39,031 183 Reliance Federa 860,445 740,472 224 41 114,517 184 Jefferson Savin 859,256 566,626 285 101 59,477 185 Parkvale Saving 858,698 884,509 198 13 56,436 186 Savings Bank of 848,833 792,329 216 30 66,147 187 Massbank for Sa 845,590 860,114 204 17 76,158 188 First Federal S 836,465 683,338 244 56 62,005 189 Quincy Savings 831,178 808,477 211 22 75,502 190 Richmond County 827,914 793,430 214 24 74,604 191 Savings Bank of 825,676 795,948 213 22 62,928 192 Harbor Federal 822,505 785,877 217 25 70,531 193 PonceBank, Ponc 822,084 904,153 193 67,340 194 Spencer Savings 808,405 816,493 209 15 89,821 195 First Liberty B 803,747 729,372 226 31 49,633 196 First Essex Ban 802,245 642,621 262 66 50,910 197 First Savings B 799,289 785,550 218 21 75,463 198 Hamilton Federa 797,292 705,302 236 38 73,147 199 First Federal S 789,547 678,373 246 47 53,700 200 Co-op Bank of C 788,465 661,463 254 54 47,864 Set 3 of 3
Total Rank Capital Key Capital Ratios Branches Employees 12/94 12/94 Tier 1 Total Core 12/94 12/94 101 Pomona First Fe 123,828 10.63 11.56 6.46 23 439 102 Bankers Savings 173,174 18.17 18.43 9.74 14 259 103 Southern Califo 36,703 3.32 3.89 1.81 26 293 104 Ridgewood Savin 221,480 23.9 23.78 12.74 14 507 105 Standard Federa 189,764 28.52 29.21 11.14 13 485 106 Mid America Fed 104,565 11.58 12.68 5.79 13 499 107 Provident Savin 160,344 17.08 17.08 9.1 33 474 108 Sterling Saving 88,385 9.96 10.61 5.22 41 503 109 American Federa 102,695 11.51 11.86 6.5 43 335 110 Main Line Feder 153,709 21.93 23.1 9.65 14 254 111 North Side Savi 112,792 14.02 15.27 6.6 15 306 112 BankAtlantic, F 116,266 11 12.25 6.78 32 624 113 United Savings 80,343 9.95 10.95 4.8 22 327 114 Jamaica Savings 199,746 25.57 24.11 14.41 13 361 115 Northwest Savin 170,753 11.3 11.36 11.3 45 750 116 AnchorBank, SSB 107,537 10.47 11.72 6.49 31 507 117 River Bank Amer 120,208 8.97 10.01 7.3 11 386 118 Roslyn Savings 209,155 25.92 27.17 14.31 6 241 119 MidFirst Bank, 95,871 17.11 17.97 6.38 22 403 120 Society First F 124,974 21.1 21.4 9.05 24 409 121 First Indiana B 124,164 9.86 10.78 8.16 39 580 122 Staten Island S 132,820 17.74 18.17 9.39 14 333 123 East West Feder 80,683 12.03 13.14 5.62 22 316 124 Carteret Federa -182,081 -27.31-27.76-13.68 30 419 125 First Federal S 107,617 17.32 17.42 8.2 24 312 126 Firstrust Savin 173,545 21.5 22.1 13.5 13 212 127 Stockton Saving 79,693 10.58 11.55 5.73 23 351 128 American Federa 103,269 13.97 15.21 7.57 35 579 129 Superior Federa 70,766 13.95 14.84 5.35 57 623 130 Columbia Saving 100,752 13.09 14.29 7.42 20 370 131 Northwestern Sa 168,127 31.66 32.91 13.39 6 314 132 Columbia Federa 83,583 13.87 15.06 6.27 9 260 133 Mutual Savings 141,749 22.54 22.54 11.61 33 378 134 Derby Savings B 74,669 10.21 11.24 5.57 22 275 135 Beneficial Mutu 120,373 16.06 17.31 9.06 24 442 136 Commonwealth Sa 128,192 23.4 24.7 10 26 464 137 Financial Fed. 83,340 22.04 22.37 6.84 6 189 138 First Federal S 79,133 9.36 10.39 6.08 34 595 139 Binghamton Savi 121,153 11.77 13.03 9.58 12 368 140 Pacific Southwe 86,503 12.36 13.28 6.92 25 444 141 Franklin Federa 62,153 11.32 12.05 5.01 13 253 142 Queens County S 130,543 10.51 11.09 11.35 8 301 143 American Saving 176,833 34.74 34.74 15.55 12 222 144 Magnolia Federa 89,109 12.93 14.84 6.84 60 1,112 145 First Federal S 88,642 17.26 17.65 7.58 21 302 146 Liberty Bank, M 99,569 12.81 14.07 8.3 23 372 147 Investors Savin 72,946 10.42 10.91 6.19 12 410 148 Eagle Federal S 75,376 13.48 14.11 6.52 23 275 149 InterWest Savin 84,863 13.26 13.93 7.54 28 335 150 Middlesex Savin 89,077 12.89 13.43 6.98 15 215 151 D&N Bank, FSB, 59,466 8.19 9.34 4.75 31 430 152 Andover Bank, M 73,320 12.24 13.49 6.77 10 254 153 Harris Savings 145,143 29.26 29.26 13.08 23 346 154 Ameribanc Savin 65,959 10.55 11.02 6.04 28 479 155 St. Francis Ban 85,401 16.44 17.01 7.84 13 214 156 Home Savings Ba 198,602 55.63 56.64 18.73 7 180 157 Bankers First S 70,856 8.74 10.44 5.69 22 354 158 Midland Savings 75,863 9.69 10.71 6.56 33 317 159 Key Savings Ban 150,310 28.18 29.44 13.36 185 1 160 Maryland Federa 82,350 14.62 15.44 7.54 26 276 161 Home Savings & 113,703 24.38 25.35 10.7 14 338 162 First Federal S 146,939 20.3 21.55 12.15 28 301 163 Life Savings Ba 106,278 26.64 27.43 10.32 17 207 164 Wilmington Savi 85,341 8.83 10.09 6.26 12 333 165 Ocean Federal S 86,373 19.6 20.17 8.58 8 219 166 First Federal S 71,263 14.58 15.47 6.91 55 322 167 Superior Bank, 65,376 9.15 9.84 6.42 7 477 168 Redlands Federa 61,907 7.45 8.59 5.65 16 350 169 Cambridge Savin 73,384 11.55 11.96 7.55 8 215 170 First Federal S 77,468 11.14 12.1 7.63 22 362 171 First Bank, FSB 81,877 15.06 16.15 8.21 30 282 172 First Bank, FSB 81,877 15.06 16.15 8.21 29 282 173 North Shore Ban 79,835 14.87 15.56 8.28 25 332 174 Springfield Ins 38,135 6.18 7.46 3.43 18 473 175 Compass Bank fo 70,759 10.21 11.47 6.99 24 345 176 Lockport Saving 100,018 21.15 22.08 10.23 10 244 177 Medford Savings 76,363 14.19 15.45 7.49 15 252 178 York Federal Sa 76,537 11.84 12.59 7.97 22 407 179 AmeriFed Bank, 71,144 16.27 16.81 7.79 9 289 180 Union Federal S 34,740 4.88 6.14 3.12 14 206 181 Advantage Bank, 67,931 16.24 17.5 7.21 15 220 182 Mutual Savings 40,309 15.4 15.9 4.52 25 186 183 Reliance Federa 116,093 38.82 39.35 13.31 11 167 184 Jefferson Savin 62,943 14.41 15.25 6.87 9 133 185 Parkvale Saving 61,838 13.06 14.31 6.49 27 235 186 Savings Bank of 73,675 10.98 12.23 7.81 20 285 187 Massbank for Sa 78,509 40.47 41.72 9 14 190 188 First Federal S 64,899 16.48 17.25 7.42 17 197 189 Quincy Savings 81,425 16.13 17.39 9.12 13 276 190 Richmond County 76,996 16.33 16.86 9.01 13 276 191 Savings Bank of 67,034 13.14 14 7.7 6 285 192 Harbor Federal 75,770 16.98 18.25 8.58 21 290 193 PonceBank, Ponc 74,034 12.69 13.96 8.18 20 476 194 Spencer Savings 95,172 20.98 22.23 11.09 13 155 195 First Liberty B 67,346 9.24 12.54 6.27 25 285 196 First Essex Ban 55,956 12.68 13.94 6.34 9 222 197 First Savings B 77,709 23.97 24.68 9.42 15 192 198 Hamilton Federa 76,894 24.5 25.75 9.18 14 126 199 First Federal S 56,076 21.48 22.43 6.81 12 174 200 Co-op Bank of C 57,438 11.95 14.34 6.24 15 286 === Data Sources: American Banker survey. For thrifts not responding to the survey, American Banker used regulatory data provided by Sheshunoff Information Services, Inc., Austin, Texas. To be included in the survey, a thrift must have deposits.Tier 1 capital ratio is tier 1 capital as a percentage of risk-weighted assets.Total capital ratio is total capital as a percentage of risk-weighted assets. For SAIF-insured thrifts the core capital ratio is core capital as a percentage of adjusted tangible assets. For BIF-insured thrifts the core capital ratio is the leverage capital ratio, or tier 1 capital as a percentage of average toyal assets for the fourth quarter net of goodwill and disallowed intangibles. Charter type: institutions are either stock or mutual. A mutual institution is identified with a footnote (M) after its name. All other institutions have stock charters. (M)- A mutual thrift institution. (b)- owned by a commercial banking institution, (c)- Consolidated to include thrift subsidiaries. (f)- Owned by a foreign bank. (H)- In RTC conservatorship program at yearend. Compiled by American Banker, 1995.
