Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios
March 15, 2016, 4:30 p.m. EDT 1 Min Read
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Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios
Banks and Thrifts with the Highest Adjusted Nonperforming Loan RatiosOn Dec. 31, 2015. Dollars in thousands | ||||||||
|---|---|---|---|---|---|---|---|---|
| Rank | Parent company | Type of institution | Adjusted nonperforming loan ratio* | Nonperformers** | Net chargeoffs† | Assets | ||
| Dec. 31 | Year earlier | |||||||
| 1 | Eastern savings, FSB, Hunt Valley, Md. | savings | 43.50 | 60.43 | 93,712.00 | $0 | $359,085 | |
| 2 | Integrity Bank Plus, Wabasso, Minn. | Wabasso Bancshares, Inc. | commercial | 29.78 | 0.04 | 14,762.00 | 0 | 58,168 |
| 3 | State Central Bank, Bonaparte, Iowa | Logan Investment Corporation | commercial | 29.76 | 39.99 | 9,359.00 | 0 | 47,723 |
| 4 | South Carolina Community Bank, Columbia, S.C. | SCCB Financial Corporation | commercial | 29.36 | 38.61 | 10,551.00 | 2 | 52,995 |
| 5 | Beach Community Bank, Fort Walton Beach, Fla. | Beach Community Bancshares, Inc. | commercial | 27.38 | 27.21 | 103,018.00 | 1 | 534,388 |
| 6 | Stonebridge Bank, West Chester, Pa. | Stonebridge Financial Corp. | commercial | 25.86 | 21.79 | 19,813.00 | 1 | 115,796 |
| 7 | Lafayette State Bank, Mayo, Fla. | commercial | 25.30 | 30.91 | 14,726.00 | 3 | 80,939 | |
| 8 | Heartland Bank, Little Rock, Ark. | Rock Bancshares, Inc. | commercial | 20.72 | 1.17 | 41,586.00 | 1 | 241,442 |
| 9 | WestSide Bank, Hiram, Ga. | commercial | 20.13 | 23.59 | 12,656.00 | 0 | 114,277 | |
| 10 | Liberty Bank, Salt Lake City, Utah | commercial | 19.32 | 29.88 | 1,188.00 | 0 | 11,397 | |
| 11 | Harvest Community Bank, Pennsville, N.J. | commercial | 18.71 | 19.02 | 21,376.00 | 5 | 141,841 | |
| 12 | North Milwaukee State Bank, Milwaukee, Wis. | North Milwaukee Bancshares, Inc. | commercial | 17.78 | 21.68 | 7,385.00 | 4 | 67,115 |
| 13 | Heritage Bank, Hinesville, Ga. | Liberty Shares, Inc. | commercial | 17.60 | 17.67 | 47,539.00 | 2 | 528,812 |
| 14 | Allied Bank, Mulberry, Ark. | Acme Holding Company, Inc. | commercial | 17.44 | 15.55 | 8,801.00 | 3 | 79,327 |
| 15 | Interamerican Bank, A FSB, Miami, Fla. | savings | 16.47 | 15.51 | 26,685.00 | 0 | 209,668 | |
| 16 | City National Bank of New Jersey, Newark, N.J. | City National Bancshares Corporation | commercial | 16.24 | 17.24 | 21,389.00 | 0 | 250,095 |
| 17 | Mechanics and Farmers Bank, Durham, N.C. | M&F Bancorp, Inc. | commercial | 15.98 | 15.09 | 26,350.00 | 0 | 298,014 |
| 18 | First City Bank of Florida, Fort Walton Beach, Fla. | Florida First City Banks, Inc. | commercial | 15.45 | 15.45 | 21,010.00 | 0 | 211,471 |
| 19 | Community 1st Bank Las Vegas, Las Vegas, N.M. | FNB Financial Corporation | commercial | 15.19 | 19.55 | 10,174.00 | 3 | 130,000 |
| 20 | Wilmington savings, Wilmington, Ohio | savings | 15.01 | 18.24 | 14,661.00 | 0 | 118,209 | |
| 21 | First National Bank, Waupaca, Wis. | Waupaca Bancorporation, Inc. | commercial | 14.45 | 7.40 | 61,999.00 | 1 | 547,516 |
| 22 | Valley Bank of Nevada, North Las Vegas, Nev. | commercial | 14.01 | 17.86 | 9,890.00 | 0 | 95,736 | |
| 23 | Gateway Bank, F.S.B, Oakland, Calif. | savings | 13.93 | 11.05 | 12,722.00 | 1 | 137,143 | |
| 24 | Horry County State Bank, Loris, S.C. | HCSB Financial Corporation | commercial | 13.89 | 12.41 | 29,091.00 | 1 | 361,387 |
| 25 | Leaders Bank, Oak Brook, Ill. | commercial | 13.73 | 16.12 | 38,444.00 | 0 | 352,339 | |
| 26 | Gwinnett Community Bank, Duluth, Ga. | Community Financial Holding Company, Inc. | commercial | 13.45 | 19.97 | 24,896.00 | 2 | 341,216 |
| 27 | Seaway Bank and Trust Company, Chicago, Ill. | Seaway Bancshares, Inc. | commercial | 13.41 | 7.59 | 31,306.00 | 5 | 369,444 |
| 28 | F & M Bank and Trust Company, Manchester, Ga. | F and M Holding Company, Inc. | commercial | 13.19 | 11.54 | 6,962.00 | 0 | 78,702 |
| 29 | Fayette County Bank, Saint Elmo, Ill. | Fayette County Bancshares, Inc. | commercial | 13.01 | 9.79 | 3,749.00 | 1 | 36,276 |
| 30 | Champion Bank, Parker, Colo. | commercial | 13.00 | 14.02 | 4,817.00 | 0 | 51,343 | |
| 31 | Trust Company Bank, Memphis, Tenn. | Heritage Bancorp, Inc. | commercial | 12.98 | 5.44 | 1,509.00 | 1 | 20,709 |
| 32 | Beal Financial Corporation, Plano, Tex. | savings | 12.96 | 13.48 | 617,241.00 | 8 | 6,822,219 | |
| 33 | Guaranty Financial, MHC, Milwaukee, Wis. | savings | 12.90 | 17.58 | 95,155.00 | 1 | 1,034,366 | |
| 34 | Columbia Savings and Loan Association, Milwaukee, Wis. | savings | 12.81 | 5.80 | 2,503.00 | 0 | 23,684 | |
| 35 | Peoples Bank, Eatonton, Ga. | Peoples Bankshares, Inc. | commercial | 12.75 | 11.67 | 9,838.00 | 0 | 131,187 |
| 36 | Stanley Bank, Overland Park, Kan. | Columbus Corp. | commercial | 12.57 | 13.18 | 9,062.00 | 0 | 98,622 |
| 37 | SOUTHBank, A Federal savings, Huntsville, Ala. | Commonwealth Savingshares Corporation | savings | 12.49 | 11.77 | 4,113.00 | -2 | 65,358 |
| 38 | West Pointe Bank, Oshkosh, Wis. | West Pointe Bancshares, Inc. | commercial | 12.04 | 16.10 | 26,874.00 | 0 | 273,947 |
| 39 | First State Bank, Barboursville, W.Va. | First Bankshares, Inc. | commercial | 11.78 | 10.98 | 19,725.00 | 3 | 234,265 |
| 40 | American Founders Bank, Inc., Louisville, Ky. | commercial | 11.53 | 3.26 | 8,326.00 | 0 | 96,918 | |
| 41 | Security State Bank, Iron River, Wis. | Security Bank Shares, Inc. | commercial | 11.49 | 12.29 | 6,739.00 | 1 | 82,546 |
| 42 | Brickyard Bank, Lincolnwood, Ill. | Brickyard Bancorp, Inc. | commercial | 11.31 | 6.69 | 8,175.00 | 0 | 115,389 |
| 43 | Prairie Community Bank, Marengo, Ill. | Marengo Bancshares, Inc. | commercial | 11.17 | 14.91 | 8,482.00 | 2 | 107,137 |
| 44 | Surety Bank, Deland, Fla. | commercial | 11.09 | 12.08 | 5,837.00 | 0 | 92,958 | |
| 45 | Putnam County National Bank of Carmel, Carmel, N.Y. | commercial | 10.87 | 14.60 | 8,627.00 | 1 | 157,470 | |
| 46 | North Side Federal Savings and Loan Association of Chicago, Chicago, Ill. | savings | 10.85 | 11.30 | 2,879.00 | 0 | 45,064 | |
| 47 | Merchants commercial, Saint Thomas, V.I. | commercial | 10.80 | 9.53 | 9,483.00 | 1 | 143,205 | |
| 48 | Baraboo National Bank, Baraboo, Wis. | Baraboo Bancorporation, Inc. | commercial | 10.79 | 11.54 | 28,995.00 | 0 | 426,889 |
| 49 | South Lafourche Bank & Trust Company, Larose, La. | Lafourche Bancshares, Inc. | commercial | 10.67 | 12.70 | 14,644.00 | 0 | 162,632 |
| 50 | Bay Bank, Green Bay, Wis. | Bay Bancorporation, Inc. | commercial | 10.62 | 14.10 | 5,433.00 | 1 | 81,021 |
| 51 | HomePride Bank, Mansfield, Mo. | Banc 60, Inc. | commercial | 10.55 | 10.94 | 8,658.00 | 0 | 102,686 |
| 52 | Home Loan Investment Bank, F.S.B., Warwick, R.I. | Prospect Financial Corporation | savings | 10.46 | 12.36 | 19,958.00 | 0 | 224,192 |
| 53 | Georgia Primary Bank, Atlanta, Ga. | commercial | 10.41 | 10.45 | 10,813.00 | 0 | 151,614 | |
| 54 | Crown Bank, Elizabeth, N.J. | commercial | 10.31 | 14.79 | 35,837.00 | 0 | 490,279 | |
| 55 | Martinsville First savings, Martinsville, Va. | savings | 10.22 | 9.50 | 2,378.00 | 0 | 42,807 | |
| 56 | Ripley Federal savings, Ripley, Ohio | savings | 10.12 | 12.68 | 5,330.00 | 0 | 67,036 | |
| 57 | Hometown Bank of the Hudson Valley (MHC), Walden, N.Y. | Hometown Bancorp MHC | savings | 10.08 | 10.32 | 10,930.00 | 0 | 119,593 |
| 58 | TransCapital Bank, Sunrise, Fla. | commercial | 10.05 | 13.76 | 12,342.00 | 0 | 169,350 | |
| 59 | 1st Equity Bank Northwest, Buffalo Grove, Ill. | Northwest Equity Corp. | commercial | 9.97 | 15.11 | 2,750.00 | 0 | 36,489 |
| 60 | Citizens savings, Bogalusa, La. | savings | 9.96 | 6.99 | 16,263.00 | 0 | 205,776 | |
| 61 | Peoples State Bank, Lake City, Fla. | PSB BancGroup, Inc. | commercial | 9.93 | 10.24 | 5,320.00 | 0 | 74,679 |
| 62 | Morganton savings, S.S.B., Morganton, N.C. | savings | 9.69 | 6.49 | 4,109.00 | 0 | 79,864 | |
| 63 | Ruby Valley National Bank, Twin Bridges, Mont. | TwinCo, Inc. | commercial | 9.62 | 13.54 | 5,213.00 | 0 | 92,146 |
| Enterprise Bank of South Carolina, Ehrhardt, S.C. | commercial | 9.62 | 17.36 | 16,162.00 | 2 | 315,004 | ||
| 65 | Kopernik Bank, Baltimore, Md. | savings | 9.61 | 7.59 | 4,542.00 | 0 | 69,412 | |
| Columbia Bank, Lake City, Fla. | First Columbia Bancorp, Inc. | commercial | 9.61 | 12.84 | 11,837.00 | 0 | 181,128 | |
| 67 | City First Bank of D.C., National Association, Washington, D.C. | CFBanc Corporation | commercial | 9.52 | 4.04 | 15,867.00 | 0 | 256,997 |
| 68 | Pinnacle Bank, Orange City, Fla. | Pinnacle BHC, Inc. | commercial | 9.49 | 15.37 | 7,401.00 | 0 | 151,919 |
| 69 | commercial of Oak Grove, Oak Grove, Mo. | Country Agencies & Investments, Inc. | commercial | 9.37 | 10.97 | 3,943.00 | -1 | 72,097 |
| 70 | ABC Bank, Chicago, Ill. | Greater Chicago Financial Corp. | commercial | 9.24 | 12.69 | 21,800.00 | 1 | 332,640 |
| 71 | SunSouth Bank, Dothan, Ala. | SunSouth Bancshares, Inc. | commercial | 9.20 | 9.56 | 8,058.00 | 0 | 150,749 |
| 72 | First Credit Bank, Los Angeles, Calif. | commercial | 9.17 | 4.23 | 29,139.00 | 0 | 404,012 | |
| 73 | Trinity Capital Corporation, Los Alamos, N.M. | BHC | 9.12 | 11.65 | 77,022.00 | 1 | 1,403,325 | |
| 74 | Johnson County Bank, Mountain City, Tenn. | commercial | 9.10 | 14.65 | 5,647.00 | 0 | 120,225 | |
| 75 | Regent Bank, Davie, Fla. | Regent Bancorp, Inc. | commercial | 9.06 | 12.79 | 24,806.00 | 0 | 362,356 |
| 76 | Liberty Federal savings, Enid, Okla. | savings | 9.04 | 7.53 | 4,307.00 | 0 | 91,307 | |
| 77 | Santander BanCorp, San Juan, P.R. | Banco Santander, SA | BHC | 9.03 | 7.97 | 368,220.00 | 1 | 5,537,749 |
| State Bank & Trust Company, Golden Meadow, La. | SBT Bancshares, Inc. | commercial | 9.03 | 8.05 | 8,737.00 | 1 | 135,878 | |
| 79 | First BanCorp., San Juan, P.R. | BHC | 9.01 | 11.17 | 837,402.00 | 2 | 12,573,019 | |
| First Community National Bank, Cuba, Mo. | Steelville Community Banc-Shares, Inc. | commercial | 9.01 | 1.58 | 13,191.00 | 3 | 206,583 | |
| 81 | Tri-State Bank of Memphis, Memphis, Tenn. | commercial | 9.00 | 6.98 | 6,773.00 | 1 | 111,042 | |
| 82 | Grand Timber Bank, McGregor, Minn. | McGregor Banco, Inc. | commercial | 8.86 | 10.09 | 2,462.00 | 0 | 42,815 |
| 83 | Brighton Bank, Brighton, Tenn. | Brighton Bancorp, Inc. | commercial | 8.77 | 8.25 | 3,838.00 | 0 | 53,850 |
| 84 | Security State Bank of Warroad, Warroad, Minn. | Warroad Bancshares, Inc. | commercial | 8.69 | 4.95 | 3,967.00 | 0 | 91,334 |
| 85 | Citizens Bank, Mukwonago, Wis. | Citizens Bank Holding, Inc. | commercial | 8.68 | 9.61 | 37,142.00 | 0 | 667,953 |
| 86 | Farmers & Merchants Bank, Lakeland, Ga. | FMB Bancshares, Inc. | commercial | 8.66 | 9.91 | 34,543.00 | 1 | 542,495 |
| 87 | Heritage Bank, Jonesboro, Ga. | CCF Holding Company | commercial | 8.64 | 9.69 | 23,845.00 | 0 | 394,807 |
| 88 | Hebron savings, Hebron, Md. | HSB Bancorp, Inc. | commercial | 8.63 | 5.21 | 38,195.00 | 1 | 557,141 |
| 89 | Anchor commercial, Juno Beach, Fla. | commercial | 8.60 | 16.24 | 6,211.00 | 0 | 109,764 | |
| 90 | Mohave State Bank, Lake Havasu City, Ariz. | State Bank Corp. | commercial | 8.39 | 11.04 | 18,537.00 | 0 | 325,311 |
| 91 | Central savings, Sault Sainte Marie, Mich. | Central Bank Corporation | commercial | 8.38 | 10.91 | 11,497.00 | 1 | 246,096 |
| 92 | CoreFirst Bank & Trust, Topeka, Kan. | Commerce Bank and Trust Holding Company | commercial | 8.36 | 7.26 | 42,138.00 | 0 | 891,158 |
| 93 | Commerce Bank of Arizona, Inc., Tucson, Ariz. | CBOA Financial, Inc. | commercial | 8.33 | 10.69 | 11,784.00 | 0 | 173,525 |
| 94 | Seamen's Bank, Provincetown, Mass. | savings | 8.28 | 8.11 | 18,203.00 | 0 | 342,551 | |
| 95 | County Bank, Rehoboth Beach, Del. | CB Financial Corporation | commercial | 8.27 | 8.27 | 20,051.00 | 0 | 337,615 |
| First South Bank, Spartanburg, S.C. | First South Bancorp, Inc. | commercial | 8.27 | 11.53 | 12,824.00 | 0 | 242,783 | |
| 97 | CenTrust Bank, National Association, Northbrook, Ill. | United Community Bancshares, Inc. | commercial | 8.26 | 11.15 | 4,362.00 | 1 | 73,490 |
| 98 | Friends Bank, New Smyrna Beach, Fla. | commercial | 8.25 | 15.11 | 5,568.00 | 1 | 94,508 | |
| 99 | Bank of Fincastle, Fincastle, Va. | commercial | 8.22 | 6.39 | 12,221.00 | 3 | 216,062 | |
| 100 | Scotiabank de Puerto Rico, San Juan, P.R. | Bank of Nova Scotia | commercial | 8.13 | 7.27 | 305,464.00 | 1 | 4,617,669 |
| 101 | Urban Partnership Bank, Chicago, Ill. | commercial | 8.11 | 1.16 | 39,865.00 | 2 | 635,792 | |
| 102 | Mutual Savings Association, FSA, Leavenworth, Kan. | savings | 8.08 | 13.50 | 9,230.00 | 0 | 197,091 | |
| 103 | First Alliance Bank, Cordova, Tenn. | First Alliance Bancshares, Inc. | commercial | 7.98 | 5.44 | 7,688.00 | 0 | 119,527 |
| 104 | First National Bank of Wauchula, Wauchula, Fla. | First Hardee Holding Corporation | commercial | 7.95 | 9.20 | 3,259.00 | 0 | 72,996 |
| 105 | American Metro Bank, Chicago, Ill. | American Metro Bancorp, Inc. | commercial | 7.94 | 14.91 | 3,702.00 | 1 | 63,479 |
| 106 | United Bank of Philadelphia, Philadelphia, Pa. | United Bancshares, Inc. | commercial | 7.91 | 7.04 | 3,101.00 | 1 | 59,001 |
| 107 | First Federal Savings and Loan Association of Lorain, Lorain, Ohio | savings | 7.89 | 7.41 | 20,982.00 | 1 | 423,294 | |
| 108 | Bank of Eastman, Eastman, Ga. | Magnolia Bankshares, Inc. | commercial | 7.83 | 9.68 | 9,215.00 | 0 | 176,372 |
| 109 | Securant Bank & Trust, Milwaukee, Wis. | Capital Commerce Bancorp, Inc. | commercial | 7.82 | 11.25 | 11,186.00 | 0 | 183,539 |
| 110 | Capitol National Bank, Lansing, Mich. | commercial | 7.75 | 9.67 | 6,363.00 | 0 | 116,811 | |
| 111 | Whitaker Bank Corporation of Kentucky, Lexington, Ky. | BHC | 7.70 | 9.27 | 69,904.00 | 1 | 1,792,526 | |
| 112 | St. Landry Homestead Federal savings, Opelousas, La. | savings | 7.66 | 8.88 | 13,615.00 | 0 | 225,040 | |
| 113 | Royal Banks of Missouri, Saint Louis, Mo. | Royal Bancshares, Inc. | commercial | 7.65 | 9.01 | 25,938.00 | 0 | 422,160 |
| 114 | First State Bank, Danville, Va. | commercial | 7.64 | 21.36 | 1,767.00 | 2 | 37,274 | |
| 115 | Century Bank of Florida, Tampa, Fla. | Century Bancshares of Florida, Inc. | commercial | 7.59 | 8.46 | 3,413.00 | 0 | 74,275 |
| 116 | Marathon savings, Wausau, Wis. | savings | 7.58 | 9.02 | 6,106.00 | 0 | 147,811 | |
| 117 | Providence Bank, Alpharetta, Ga. | commercial | 7.56 | 10.17 | 5,338.00 | 0 | 108,853 | |
| 118 | Linn County State Bank, Coggon, Iowa | Community Financial Corp. | commercial | 7.55 | 6.97 | 1,890.00 | 0 | 37,145 |
| 119 | OFG Bancorp, San Juan, P.R. | BHC | 7.54 | 7.20 | 352,022.00 | 1 | 7,099,149 | |
| 120 | County First Bank, La Plata, Md. | commercial | 7.52 | 7.22 | 10,570.00 | 0 | 226,427 | |
| First Western Mortgage Corporation, Fort Worth, Tex. | savings | 7.52 | 4.46 | 40,436.00 | 0 | 961,431 | ||
| 122 | Century Bank of Kentucky, Inc., Lawrenceburg, Ky. | Century Bancshares, Inc. | commercial | 7.41 | 8.65 | 5,844.00 | 0 | 115,304 |
| 123 | American Bank of the North, Nashwauk, Minn. | Mesaba Bancshares, Inc. | commercial | 7.40 | 8.12 | 33,974.00 | 1 | 579,768 |
| 124 | Spring Valley Bank, Wyoming, Ohio | SV Bancorp, Inc. | commercial | 7.37 | 10.92 | 3,864.00 | 0 | 67,912 |
| 125 | Landmark Bank, National Association, Fort Lauderdale, Fla. | Giant Holdings, Inc. | commercial | 7.32 | 8.51 | 23,026.00 | 0 | 380,925 |
| 126 | Northern Michigan Bank & Trust, Escanaba, Mich. | First Bancshares Corporation | commercial | 7.30 | 8.15 | 12,044.00 | 0 | 243,421 |
| 127 | Bank of Washington, Washington, Mo. | Diamond Bancorp, Inc. | commercial | 7.29 | 11.42 | 33,490.00 | 1 | 598,857 |
| 128 | Mid America Bank, Janesville, Wis. | Wisconsin Bancorp, Inc. | commercial | 7.27 | 4.36 | 4,343.00 | 1 | 83,372 |
| 129 | Central Bank, Savannah, Tenn. | commercial | 7.25 | 7.37 | 4,575.00 | 1 | 100,560 | |
| 130 | Golden State Bank, Glendale, Calif. | Golden State Bancorp | commercial | 7.24 | 12.84 | 6,464.00 | 0 | 126,099 |
| 131 | Lake City Federal Bank, Lake City, Minn. | savings | 7.23 | 5.37 | 3,649.00 | 0 | 68,028 | |
| 132 | Farmers & Merchants Bank, Tomah, Wis. | F. & M. Bancorp of Tomah, Inc. | commercial | 7.19 | 11.14 | 8,895.00 | 0 | 196,340 |
| Citizens Bank of Cochran, Cochran, Ga. | Putnam-Greene Financial Corporation | commercial | 7.19 | 9.98 | 3,001.00 | 0 | 71,874 | |
| 134 | Ladysmith Federal Savings and Loan Association, Ladysmith, Wis. | savings | 7.16 | 9.69 | 2,103.00 | 0 | 45,085 | |
| 135 | Republic Bank, Bountiful, Utah | commercial | 7.06 | 0.69 | 7,683.00 | 1 | 132,249 | |
| 136 | Community State Bank, Brook, Ind. | commercial | 7.02 | 2.13 | 3,013.00 | 0 | 60,893 | |
| 137 | First Southern Bank, Patterson, Ga. | commercial | 6.97 | 12.44 | 5,021.00 | 2 | 96,907 | |
| Georgia Heritage Bank, Dallas, Ga. | commercial | 6.97 | 7.39 | 3,375.00 | 0 | 74,315 | ||
| 139 | Community savings, Chicago, Ill. | savings | 6.93 | 7.23 | 14,441.00 | 0 | 411,283 | |
| 140 | Equitable Bank, S.S.B., Wauwatosa, Wis. | savings | 6.92 | 9.75 | 18,112.00 | 0 | 303,765 | |
| 141 | Bank of Kaukauna, Kaukauna, Wis. | Brogan Bankshares, Inc. | commercial | 6.90 | 7.74 | 4,903.00 | 1 | 91,506 |
| 142 | Americana Community Bank, Sleepy Eye, Minn. | Midwest Bancshares, Inc. | commercial | 6.87 | 5.99 | 4,486.00 | 0 | 121,528 |
| 143 | Farmers State Bank, Mountain City, Tenn. | Farmers State Bancshares, Inc. | commercial | 6.82 | 6.16 | 5,512.00 | 0 | 136,623 |
| 144 | First Federal Savings and Loan Association of Bath, Bath, Maine | savings | 6.80 | 6.93 | 7,118.00 | 0 | 120,370 | |
| 145 | Mutual Federal Bank (MHC), Chicago, Ill. | Mutual Federal Bancorp, MHC | savings | 6.79 | 9.56 | 4,369.00 | 0 | 79,666 |
| 146 | State Bank of Newburg, Newburg, Wis. | SBN Community Bancorp, Inc. | commercial | 6.77 | 6.44 | 8,628.00 | 0 | 168,220 |
| 147 | United Bank of Union, Union, Mo. | Cardinal Bancorp II, Inc. | commercial | 6.76 | 6.87 | 15,327.00 | 0 | 298,475 |
| 148 | St. Johns Bank and Trust Company, Saint Louis, Mo. | Unity Bancshares, L.L.C. | commercial | 6.74 | 3.96 | 13,932.00 | 0 | 297,853 |
| 149 | Goldwater Bank, N.A., Scottsdale, Ariz. | commercial | 6.71 | 11.04 | 4,084.00 | 0 | 95,747 | |
| 150 | Bank of Commerce, Sarasota, Fla. | Bank of Commerce Holdings, Inc. | commercial | 6.67 | 6.46 | 9,458.00 | 0 | 209,539 |
| 151 | Peoples Bank & Trust, Buford, Ga. | Peoples Banktrust, Inc. | commercial | 6.61 | 4.44 | 9,265.00 | 0 | 269,363 |
| 152 | OptimumBank, Plantation, Fla. | OptimumBank Holdings, Inc. | commercial | 6.59 | 14.29 | 5,592.00 | 0 | 127,328 |
| Brighton Bank, Salt Lake City, Utah | Brighton Bancorp | commercial | 6.59 | 8.08 | 6,578.00 | 0 | 188,170 | |
| 154 | Mechanics Bank, Water Valley, Miss. | Mechanics Banc Holding Company | commercial | 6.58 | 4.96 | 9,009.00 | 0 | 215,786 |
| 155 | First Capital Bank, Laurinburg, N.C. | First Capital Bancshares, Inc. | commercial | 6.53 | 5.46 | 2,988.00 | -1 | 51,831 |
| 156 | Bank of Grandin, Grandin, Mo. | commercial | 6.49 | 5.41 | 5,315.00 | 1 | 155,106 | |
| 157 | 1st Equity Bank, Skokie, Ill. | First Equity Corp. | commercial | 6.45 | 8.36 | 4,377.00 | 0 | 92,837 |
| 158 | Community Shores Bank, Muskegon, Mich. | Community Shores Bank Corporation | commercial | 6.44 | 6.16 | 7,907.00 | 0 | 180,055 |
| Citizens Bank of Newburg, Rolla, Mo. | Newburg Insurance Agency, Inc. | commercial | 6.44 | 2.90 | 6,578.00 | 0 | 155,734 | |
| 160 | New York Private Bank & Trust Corporation, New York, N.Y. | BHC | 6.40 | 7.68 | 264,727.00 | 0 | 6,794,404 | |
| 161 | Planters First Bank, Hawkinsville, Ga. | Mid State Banks, Inc. | commercial | 6.38 | 8.34 | 12,382.00 | 0 | 276,618 |
| 162 | First Arkansas Bank and Trust, Jacksonville, Ark. | First Arkansas BancShares, Inc. | commercial | 6.36 | 6.16 | 26,942.00 | 0 | 710,764 |
| 163 | U.S. Century Bank, Doral, Fla. | commercial | 6.32 | 8.47 | 45,673.00 | 1 | 910,252 | |
| 164 | Hatboro Federal Savings, FA, Hatboro, Pa. | savings | 6.28 | 6.55 | 19,428.00 | 0 | 494,431 | |
| 165 | Provident Financial Holdings, Inc., Riverside, Calif. | savings | 6.26 | 6.94 | 62,470.00 | 0 | 1,164,542 | |
| Civis Bank, Rogersville, Tenn. | Volunteer Bancorp, Inc. | commercial | 6.26 | 7.85 | 4,767.00 | 0 | 109,687 | |
| 167 | Security State Bank of Kenyon, Kenyon, Minn. | Ellingson Corporation | commercial | 6.25 | 5.09 | 2,637.00 | 0 | 60,273 |
| 168 | Village Bank, Saint Francis, Minn. | Village Bancshares, Inc. | commercial | 6.24 | 8.39 | 9,852.00 | -1 | 206,897 |
| 169 | Harbor Bank of Maryland, Baltimore, Md. | Harbor Bankshares Corporation | commercial | 6.23 | 8.02 | 10,198.00 | 0 | 287,246 |
| International Bank, Raton, N.M. | Raton Capital Corporation | commercial | 6.23 | 4.77 | 9,419.00 | 0 | 300,486 | |
| 171 | Freedom Bank, Inc., Belington, W.Va. | Freedom Bancshares, Inc. | commercial | 6.22 | 8.01 | 7,613.00 | 0 | 154,730 |
| 172 | McHenry savings, McHenry, Ill. | McHenry Bancorp, Inc. | savings | 6.21 | 6.72 | 9,494.00 | 0 | 245,281 |
| 173 | Foundations Bank, Pewaukee, Wis. | Generations Bancorp, Inc. | commercial | 6.16 | 1.66 | 4,618.00 | 0 | 125,733 |
| 174 | Gunnison Valley Bank, Gunnison, Utah | GV Bancorp, Inc. | commercial | 6.13 | 8.69 | 4,394.00 | 2 | 83,459 |
| First Bank of Tennessee, Spring City, Tenn. | commercial | 6.13 | 5.76 | 14,663.00 | 0 | 287,223 | ||
| 176 | State Bank of Burnettsville, Burnettsville, Ind. | SBB Bancshares, Inc. | commercial | 6.10 | 2.92 | 1,677.00 | 0 | 40,670 |
| Calumet County Bank, Brillion, Wis. | Calumet Bancshares, Incorporated | commercial | 6.10 | 5.12 | 2,980.00 | 0 | 95,259 | |
| 178 | Kentland Federal Savings and Loan Association, Kentland, Ind. | savings | 6.09 | 0.00 | 227.00 | 0 | 4,624 | |
| 179 | Tioga Franklin savings, Philadelphia, Pa. | savings | 6.08 | 12.15 | 1,581.00 | 1 | 33,170 | |
| Franklin County UNITED Bank, Decherd, Tenn. | Franklin County UNITED Bancshares, Inc. | commercial | 6.08 | 15.60 | 3,572.00 | 3 | 77,829 | |
| 181 | Northern Hancock Bank & Trust Company, Newell, W.Va. | commercial | 6.07 | 4.43 | 1,161.00 | 1 | 27,430 | |
| Popular, Inc., Hato Rey, P.R. | BHC | 6.07 | 5.99 | 1,402,000.00 | 1 | 35,769,000 | ||
| First Community Bank, Newell, Iowa | Newell Bancshares, Inc. | commercial | 6.07 | 0.08 | 3,337.00 | 0 | 95,532 | |
| 184 | Covenant Bank, Leeds, Ala. | Covenant Bancgroup, Inc. | commercial | 6.06 | 7.50 | 2,993.00 | 3 | 72,964 |
| 185 | Peoples Bank, Marion, Ky. | Peoples-Marion Bancorp, Inc. | commercial | 6.00 | 2.82 | 1,868.00 | 0 | 38,181 |
| 186 | First National Bank of Bangor, Bangor, Wis. | Bosshard Banco, Ltd. | commercial | 5.99 | 8.03 | 8,504.00 | 0 | 236,361 |
| 187 | American Enterprise Bank, Buffalo Grove, Ill. | A. E. Bancorp, Inc. | commercial | 5.98 | 5.42 | 8,150.00 | 0 | 223,395 |
| 188 | Carter Bank & Trust, Martinsville, Va. | commercial | 5.97 | 3.94 | 156,777.00 | 0 | 4,893,968 | |
| 189 | Independence State Bank, Independence, Wis. | Northern Financial Corporation | commercial | 5.95 | 1.05 | 2,987.00 | 0 | 66,845 |
| Oxford Bank, Oxford, Mich. | Oxford Bank Corporation | commercial | 5.95 | 7.95 | 12,613.00 | 0 | 318,409 | |
| 191 | Persons Banking Company, Forsyth, Ga. | Persons Banking Company, Inc. | commercial | 5.92 | 4.21 | 13,287.00 | 1 | 322,821 |
| First Federal Savings and Loan Association of Greensburg, Greensburg, Ind. | savings | 5.92 | 8.79 | 5,197.00 | 0 | 148,704 | ||
| 193 | First National Bank of Winnsboro, Winnsboro, Tex. | Etex Banco, Inc. | commercial | 5.91 | 10.24 | 5,312.00 | 0 | 139,612 |
| 194 | SpiritBank, Tulsa, Okla. | Spirit BankCorp, Inc. | commercial | 5.89 | 5.78 | 33,081.00 | 1 | 659,341 |
| International Finance Bank, Miami, Fla. | commercial | 5.89 | 2.85 | 14,215.00 | 0 | 318,213 | ||
| 196 | Nantahala Bank & Trust Company, Franklin, N.C. | commercial | 5.88 | 5.69 | 5,596.00 | 1 | 147,365 | |
| American Patriot Bank, Greeneville, Tenn. | American Patriot Financial Group, Inc. | commercial | 5.88 | 16.41 | 2,394.00 | 1 | 64,732 | |
| 198 | Madison Bank of Maryland, Forest Hill, Md. | MB Bancorp, Inc. | savings | 5.87 | 7.73 | 5,561.00 | 0 | 134,288 |
| 199 | Millington Bank, Millington, N.J. | MSB Financial Corp. | savings | 5.86 | 7.11 | 15,583.00 | 0 | 375,742 |
| 200 | Peoples Bank of the South, LaFollette, Tenn. | commercial | 5.84 | 5.82 | 7,100.00 | 0 | 138,378 | |
Notes: Data from preliminary quarterly call reports and thrift financial reports from the FDIC and OTS. Excludes institutions whose loans were less than 50% of assets.
*Nonperforming loans net of the delinquent U.S. government-guaranteed portion, divided by total loans.
**Sum total of nonaccruing loans (excluding debt securities and other assets) and restructured loans, less than guaranteed portion of nonaccruing loans wholly or partially guaranteed by the U.S. government.
† Chargeoffs, minus recoveries credited to the loan allowance. For savings institutions, net chargeoffs related to specific valuation allowance are included. Divided by average loans and leases.
Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of March 11, 2016.
Source:
SNL Financial
, Charlottesville, Va. © 2016 American Banker