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Banks, thrifts and holding companies

Banks and Thrifts with the Highest Adjusted Nonperforming Loan Ratios

June 13, 2016, 5:15 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 March 31, 2016. Dollars in thousands
Published June 13, 2016
Rank   Parent
company		 Type
of institution		 Adjusted nonperforming
loan ratio*		 Nonperformers** Net
chargeoffs†		 Assets
March 31 Year earlier
1 Eastern Savings Bank FSB Hunt Valley, Md.   savings 41.07 60.97 $88,959 $0.23 $349,318
2 State Central Bank Bonaparte, Iowa Logan Investment Corp. commercial 35.36 45.83 9,839 0.28 48,861
3 South Carolina Community Bank Columbia SCCB Financial Corp. commercial 28.88 30.75 10,150 -0.05 53,066
4 Allied Bank Mulberry, Ark. Acme Holding Co. Inc. commercial 25.94 11.89 12,544 0.28 72,378
5 Beach Community Bank Fort Walton Beach, Fla. Beach Community Bancshares Inc. commercial 25.88 27.97 92,413 -0.17 538,259
6 Lafayette State Bank Mayo, Fla.   commercial 23.02 31.41 12,924 1.80 78,902
7 WestSide Bank Hiram, Ga.   commercial 20.63 24.07 13,932 0.00 122,159
8 Harvest Community Bank Pennsville, N.J.   commercial 19.33 18.30 21,395 0.08 138,791
9 Stonebridge Bank West Chester, Pa. Stonebridge Financial Corp. commercial 18.13 21.75 12,999 -1.99 112,180
10 First National Bank Waupaca, Wis. Waupaca Bancorp. Inc. commercial 17.88 11.02 75,969 0.19 525,269
11 Heartland Bank Little Rock, Ark. Rock Bancshares Inc. commercial 17.65 2.00 32,337 10.45 231,392
12 Interamerican Bank FSB Miami   savings 17.11 16.13 27,074 -0.55 209,783
13 First City Bank of Florida Fort Walton Beach Florida First City Banks Inc. commercial 16.98 16.72 22,624 0.10 216,775
14 Mechanics and Farmers Bank Durham, N.C. M&F Bancorp Inc. commercial 16.18 16.76 25,996 0.00 304,346
15 Liberty Bank Salt Lake City   commercial 15.95 23.39 1,117 -0.06 11,962
16 First State Bank Barboursville, W.Va. First Bankshares Inc. commercial 15.71 14.65 25,007 -0.08 227,766
17 Leaders Bank Oak Brook, Ill.   commercial 15.26 15.55 40,989 -0.02 342,477
18 Wilmington Savings Bank Ohio   savings 14.39 19.36 14,049 0.13 125,667
19 Horry County State Bank Loris, S.C. HCSB Financial Corp. commercial 14.15 15.56 28,253 4.50 363,415
20 Fidelity Bank of Florida Merritt Island   commercial 14.11 1.87 16,740 0.69 232,808
21 Valley Bank of Nevada North Las Vegas   commercial 13.43 17.69 9,728 0.00 103,478
22 Republic Bank Bountiful, Utah   commercial 12.93 3.65 13,352 0.47 124,420
23 Baraboo National Bank Wis. Baraboo Bancorp. Inc. commercial 12.72 10.00 33,707 -0.11 398,824
24 Gateway Bank FSB Oakland, Calif.   savings 12.67 13.18 11,706 0.00 133,355
25 Seaway Bank and Trust Co. Chicago Seaway Bancshares Inc. commercial 12.59 9.30 29,469 1.98 372,982
26 State Bank & Trust Co. Golden Meadow, La. SBT Bancshares Inc. commercial 12.17 7.35 11,866 0.13 128,668
27 Gwinnett Community Bank Duluth, Ga. Community Financial Holding Co. Inc. commercial 12.16 20.68 21,699 0.80 334,981
28 Columbia Savings and Loan Association Milwaukee   savings 11.99 15.28 2,264 0.41 23,907
29 West Pointe Bank Oshkosh, Wis. West Pointe Bancshares Inc. commercial 11.80 15.21 25,788 -0.01 271,439
30 Guaranty Financial MHC Milwaukee   savings 11.78 15.72 90,170 0.97 1,025,119
31 Beal Financial Corp. Plano, Texas   savings 11.50 15.19 565,257 0.73 7,075,456
32 Surety Bank Deland, Fla.   commercial 11.48 9.54 5,817 0.20 91,656
33 First Credit Bank Los Angeles   commercial 11.37 10.64 33,168 0.00 417,670
34 Champion Bank Parker, Colo.   commercial 11.34 14.68 4,186 -0.08 48,604
35 Brickyard Bank Lincolnwood, Ill. Brickyard Bancorp Inc. commercial 11.21 7.03 8,081 0.00 111,000
36 American Founders Bank Inc. Louisville, Ky.   commercial 10.86 4.45 8,103 0.15 99,834
37 Farmers State Bank Markesan, Wis. FS BancShares Inc. commercial 10.82 7.01 4,388 0.42 75,446
38 TransCapital Bank Sunrise, Fla.   commercial 10.76 11.51 12,945 -0.11 175,790
39 F&M Bank and Trust Co. Manchester, Ga. F and M Holding Co. Inc. commercial 10.67 12.50 5,394 1.52 81,171
40 HomePride Bank Mansfield, Mo. Banc 60 Inc. commercial 10.60 11.56 8,602 0.13 106,110
41 South Lafourche Bank & Trust Co. Larose, La. Lafourche Bancshares Inc. commercial 10.53 8.38 14,634 0.85 165,251
42 First BanCorp. San Juan, Puerto Rico   BHC 10.52 10.72 963,923 0.99 12,714,370
43 Prairie Community Bank Marengo, Ill. Marengo Bancshares Inc. commercial 10.51 14.23 7,972 0.29 109,739
44 Fayette County Bank St. Elmo, Ill. Fayette County Bancshares Inc. commercial 10.40 18.05 2,925 12.56 34,419
45 Grand Timber Bank McGregor, Minn. McGregor Banco Inc. commercial 10.34 5.41 2,777 0.79 43,077
46 First Community National Bank Cuba, Mo. Steelville Community Banc-Shares Inc. commercial 10.31 4.56 14,592 0.28 202,976
47 Bay Bank Green Bay, Wis. Bay Bancorp. Inc. commercial 10.30 13.42 5,346 -0.06 80,667
48 Home Loan Investment Bank FSB Warwick, R.I. Prospect Financial Corp. savings 10.20 12.11 19,544 0.46 225,999
49 First South Bank Spartanburg, S.C. First South Bancorp Inc. commercial 10.17 9.11 15,784 0.06 244,431
  Ripley Federal Savings Bank Ohio   savings 10.17 11.96 5,385 -0.02 67,092
51 Morganton Savings Bank SSB N.C.   savings 10.12 5.39 4,318 0.00 78,215
52 American Metro Bank Chicago American Metro Bancorp Inc. commercial 9.96 13.50 4,507 -0.06 62,248
53 Kopernik Bank Baltimore   savings 9.89 9.96 4,581 -0.02 67,959
54 Peoples State Bank Lake City, Fla. PSB BancGroup Inc. commercial 9.61 10.96 5,163 0.04 77,876
  Tri-State Bank of Memphis Tenn.   commercial 9.61 6.39 7,318 0.25 105,233
56 Commercial Bank of Oak Grove Mo. Country Agencies & Investments Inc. commercial 9.54 9.99 3,928 -0.10 71,195
57 Ruby Valley National Bank Twin Bridges, Mont. TwinCo Inc. commercial 9.52 12.99 5,145 -0.01 94,678
58 Santander BanCorp San Juan, Puerto Rico Banco Santander SA BHC 9.41 8.20 376,921 1.39 5,536,433
59 Hometown Bank of the Hudson Valley MHC Walden, N.Y. Hometown Bancorp MHC savings 9.39 9.39 10,079 0.04 120,145
60 Johnson County Bank Mountain City, Tenn.   commercial 9.32 14.67 5,775 0.28 119,785
61 Crown Bank Elizabeth, N.J.   commercial 9.29 10.26 32,831 -0.06 515,501
62 Central Federal Savings and Loan Association Cicero, Ill.   savings 9.25 16.73 7,807 -0.01 166,185
63 Columbia Bank Lake City, Fla. First Columbia Bancorp Inc. commercial 9.24 12.07 11,856 0.59 187,804
64 First Alliance Bank Cordova, Tenn. First Alliance Bancshares Inc. commercial 9.23 7.53 8,761 0.35 117,427
65 Security State Bank Iron River, Wis. Security Bank Shares Inc. commercial 9.00 10.25 5,403 0.11 83,530
66 Trinity Capital Corp. Los Alamos, N.M.   BHC 8.86 11.37 73,213 0.30 1,438,223
67 Hebron Savings Bank Md. HSB Bancorp Inc. commercial 8.83 6.01 39,245 0.22 561,634
68 Security State Bank of Kenyon Minn. Ellingson Corp. commercial 8.74 3.89 3,754 0.65 55,162
69 First State Bank of Swanville Minn. Swanville Bancshares Inc. commercial 8.72 0.00 1,551 3.68 24,376
70 Citizens Savings Bank Bogalusa, La.   savings 8.70 7.11 14,040 0.01 210,170
71 Peoples Bank Eatonton, Ga. Peoples Bankshares Inc. commercial 8.68 12.31 6,639 0.33 127,164
  Stanley Bank Overland Park, Kan. Columbus Corp. commercial 8.68 11.91 6,191 2.63 100,774
73 Martinsville First Savings Bank Va.   savings 8.66 9.80 1,943 0.03 42,393
74 North Side Federal Savings and Loan Association of Chicago   savings 8.57 12.05 2,195 -0.05 45,209
75 Liberty Federal Savings Bank Enid, Okla.   savings 8.51 9.73 4,155 -1.84 89,489
76 Farmers & Merchants Bank Lakeland, Ga. FMB Bancshares Inc. commercial 8.49 9.79 33,779 0.76 543,172
77 ABC Bank Chicago Greater Chicago Financial Corp. commercial 8.46 12.02 19,802 0.02 329,202
  United Bank of Philadelphia United Bancshares Inc. commercial 8.46 7.34 3,133 0.22 54,501
79 Urban Partnership Bank Chicago   commercial 8.41 2.17 35,422 0.16 653,250
80 Bank of Eastman Ga. Magnolia Bankshares Inc. commercial 8.39 9.10 9,449 -0.07 176,872
81 Merchants Commercial Bank St. Thomas, V.I.   commercial 8.38 7.31 7,340 0.07 154,917
82 Regent Bank Davie, Fla. Regent Bancorp Inc. commercial 8.36 12.23 23,945 -0.05 357,948
83 Bank of Kaukauna Wis. Brogan Bankshares Inc. commercial 8.34 9.42 5,893 -0.01 90,872
84 Mohave State Bank Lake Havasu City, Ariz. State Bank Corp. commercial 8.28 10.20 18,292 -0.02 338,179
85 Citizens Bank Mukwonago, Wis. Citizens Bank Holding Inc. commercial 8.19 8.63 35,733 -0.07 683,944
86 Friends Bank New Smyrna Beach, Fla.   commercial 8.11 10.85 5,480 -0.03 104,968
87 Scotiabank de Puerto Rico San Juan Bank of Nova Scotia commercial 8.05 7.30 291,090 0.36 4,551,012
88 Pinnacle Bank Orange City, Fla. Pinnacle Bank Holding Co. Inc. commercial 8.03 11.25 5,904 0.36 126,460
89 Georgia Primary Bank Atlanta   commercial 7.97 9.25 8,403 -0.02 155,265
90 First Western Mortgage Corp. Fort Worth, Texas   savings 7.96 3.85 44,113 0.28 1,026,044
91 Landmark Bank Fort Lauderdale, Fla. Giant Holdings Inc. commercial 7.92 8.28 26,007 -0.02 407,344
92 Mutual Savings Association FSA Leavenworth, Kan.   savings 7.88 13.43 9,033 0.00 194,526
93 Bank of Washington Mo. Diamond Bancorp Inc. commercial 7.83 10.83 34,789 0.14 580,020
94 Georgia Heritage Bank Dallas   commercial 7.82 7.25 3,663 2.62 73,699
95 First Federal Savings and Loan Association of Lorain Ohio   savings 7.81 8.29 20,724 0.12 422,854
96 First National Bank of Winnsboro Texas Etex Banco Inc. commercial 7.79 11.52 7,005 0.02 138,862
97 County Bank Rehoboth Beach, Del. CB Financial Corp. commercial 7.77 8.18 18,874 0.00 336,171
98 Seamen's Bank Provincetown, Mass.   savings 7.74 7.88 17,253 0.01 333,945
99 First National Bank of Wauchula Fla. First Hardee Holding Corp. commercial 7.71 9.02 3,143 0.30 71,714
100 OFG Bancorp San Juan, Puerto Rico   BHC 7.61 7.58 349,848 0.94 6,874,572
101 Enterprise Bank of South Carolina Ehrhardt   commercial 7.57 14.86 12,406 2.43 313,424
102 Century Bank of Kentucky Inc. Lawrenceburg Century Bancshares Inc. commercial 7.49 7.66 5,993 -0.02 116,285
103 Carver State Bank Savannah, Ga. Carver Financial Corp. commercial 7.48 5.69 1,798 0.00 40,368
  St. Landry Homestead Federal Savings Bank Opelousas, La.   savings 7.48 8.56 13,101 0.45 227,915
105 Community State Bank Brook, Ind.   commercial 7.44 1.99 2,992 8.93 62,117
106 Central Bank Savannah, Tenn.   commercial 7.43 7.67 4,624 0.72 98,814
107 Nantahala Bank & Trust Co. Franklin, N.C.   commercial 7.42 6.91 7,151 0.18 147,461
108 Mid America Bank Janesville, Wis. Wisconsin Bancorp Inc. commercial 7.40 4.37 4,257 0.06 82,856
109 Bank of Commerce Sarasota, Fla. Bank of Commerce Holdings Inc. commercial 7.37 6.42 9,876 -3.13 211,277
110 Bank of Prescott Ark. Prescott Bancshares Inc. commercial 7.36 0.32 3,151 -0.03 83,822
111 Community State Bank Union Grove, Wis. Union Bancorp. Inc. commercial 7.35 8.94 12,291 0.00 321,394
112 Bank of Fincastle Va.   commercial 7.34 5.48 10,918 2.90 218,246
  Century Bank of Florida Tampa Century Bancshares of Florida Inc. commercial 7.34 9.91 3,402 0.20 73,572
  CoreFirst Bank & Trust Topeka, Kan. Commerce Bank and Trust Holding Co. commercial 7.34 7.62 37,394 -0.28 887,303
115 Frontier State Bank Oklahoma City   commercial 7.31 4.27 31,609 0.20 687,429
  Mutual Federal Bank MHC Chicago Mutual Federal Bancorp MHC savings 7.31 8.67 4,532 0.01 80,357
117 Marathon Savings Bank Wausau, Wis.   savings 7.29 6.07 5,835 0.66 144,248
118 Citizens Bank of Newburg Rolla, Mo. Newburg Insurance Agency Inc. commercial 7.23 3.19 7,320 0.25 164,689
119 Commerce Bank of Arizona Inc. Tucson CBOA Financial Inc. commercial 7.17 11.17 10,024 0.14 175,748
120 Lake City Federal Bank Minn.   savings 7.15 5.45 3,679 -0.02 68,798
121 Farmers State Bank Mountain City, Tenn. Farmers State Bancshares Inc. commercial 7.11 6.12 5,821 0.09 142,197
122 Central Savings Bank Sault Sainte Marie, Mich. Central Bank Corp. commercial 7.10 9.39 9,781 0.27 242,922
123 Village Bank St. Francis, Minn. Village Bancshares Inc. commercial 7.09 8.23 12,006 0.09 214,977
124 Lake Bank Two Harbors, Minn. Mesaba Bancshares Inc. commercial 7.08 4.47 6,419 0.07 120,909
  SunSouth Bank Dothan, Ala. SunSouth Bancshares Inc. commercial 7.08 8.68 6,235 2.44 149,345
126 Capitol National Bank Lansing, Mich.   commercial 7.01 10.09 5,911 -0.29 122,664
127 Northern Michigan Bank & Trust Escanaba First Bancshares Corp. commercial 6.98 8.72 11,983 0.02 241,918
128 CenTrust Bank Northbrook, Ill. United Community Bancshares Inc. commercial 6.97 9.66 3,960 -0.04 80,781
129 County First Bank La Plata, Md.   commercial 6.95 6.58 9,665 -0.05 226,001
130 Baybank Gladstone, Mich. Baybank Corp. commercial 6.84 5.30 3,462 0.06 91,193
131 Blue Grass Federal Savings and Loan Association Paris, Ky.   savings 6.83 6.95 1,761 0.83 37,282
132 Citizens State Bank Kingsland, Ga. South Banking Co. commercial 6.82 11.36 2,737 0.14 55,271
133 Talbot State Bank Woodland, Ga. TSB Bancorp Inc. commercial 6.76 6.78 2,487 0.37 72,334
134 Ladysmith Federal Savings and Loan Association Wis.   savings 6.73 6.28 1,987 0.65 45,997
  State Bank of Newburg Wis. SBN Community Bancorp Inc. commercial 6.73 6.37 8,552 -0.03 160,767
136 City First Bank of D.C. Washington, D.C. CFBanc Corp. commercial 6.67 3.86 10,718 0.68 251,977
137 New York Private Bank & Trust Corp.   BHC 6.64 7.69 276,829 0.01 6,674,068
  Providence Bank Alpharetta, Ga.   commercial 6.64 10.00 4,756 -0.02 110,251
139 Peoples Bank & Trust Buford, Ga. Peoples Banktrust Inc. commercial 6.63 6.74 9,228 0.37 268,030
140 Civis Bank Rogersville, Tenn. Volunteer Bancorp Inc. commercial 6.61 7.60 4,768 -0.01 108,670
  Rosedale Federal Savings and Loan Association Baltimore   savings 6.61 4.12 34,943 -2.08 816,293
142 United Bank of Union Mo. Cardinal Bancorp II Inc. commercial 6.55 6.67 14,617 1.99 307,353
143 Royal Banks of Missouri St. Louis Royal Bancshares Inc. commercial 6.51 8.98 22,163 0.01 416,641
144 First Federal Savings and Loan Association of Bath Maine   savings 6.47 6.81 6,771 0.03 118,195
145 Securant Bank & Trust Milwaukee Capital Commerce Bancorp Inc. commercial 6.46 9.90 9,031 0.29 185,266
146 Carter Bank & Trust Martinsville, Va.   commercial 6.45 3.84 168,631 0.02 4,923,913
  Texas Champion Bank Corpus Christi Mesquite Financial Services Inc. commercial 6.45 2.00 17,811 1.59 381,606
148 Community Shores Bank Muskegon, Mich. Community Shores Bank Corp. commercial 6.40 6.67 7,886 -0.11 191,160
149 Mechanics Bank Water Valley, Miss. Mechanics Banc Holding Co. commercial 6.39 5.58 8,821 0.11 220,214
150 SSBBank Stockbridge, Mich. Stockbridge Bancorp. Inc. commercial 6.38 6.47 2,478 1.00 61,790
151 First Arkansas Bank and Trust Jacksonville First Arkansas BancShares Inc. commercial 6.36 5.73 26,278 0.02 670,571
  First Southern Bank Patterson, Ga.   commercial 6.36 11.89 4,634 -0.08 107,512
153 First Capital Bank Laurinburg, N.C. First Capital Bancshares Inc. commercial 6.33 7.13 2,775 3.55 52,182
154 Adams County Building and Loan Co. West Union, Ohio   savings 6.32 6.11 812 0.00 24,015
155 Freedom Bank Inc. Belington, W.Va. Freedom Bancshares Inc. commercial 6.31 7.77 7,563 2.10 156,895
156 Kentland Federal Savings and Loan Association Ind.   savings 6.29 1.34 229 0.00 4,547
157 Persons Banking Co. Forsyth, Ga. Persons Banking Co. Inc. commercial 6.28 6.73 13,649 0.18 327,044
158 Markesan State Bank Wis. Markesan Bancshares Inc. commercial 6.26 5.69 8,260 1.60 162,649
159 Popular Inc. Hato Rey, Puerto Rico   BHC 6.21 5.88 1,443,000 0.77 36,147,000
160 Bank of Grandin Mo.   commercial 6.15 7.59 5,054 0.04 154,844
  Planters First Bank Hawkinsville, Ga. Planters First Bancorp commercial 6.15 8.35 11,881 -0.05 280,389
162 Hatboro Federal Savings FA Pa.   savings 6.10 6.17 18,529 0.08 495,375
163 Provident Financial Holdings Inc. Riverside, Calif.   savings 6.09 5.94 60,810 -0.05 1,173,751
164 American Patriot Bank Greeneville, Tenn. American Patriot Financial Group Inc. commercial 6.08 11.64 2,373 0.39 62,578
  McHenry Savings Bank Ill. McHenry Bancorp Inc. savings 6.08 6.67 9,359 0.63 253,084
166 Community Savings Bank Chicago   savings 6.04 6.70 12,612 -0.01 406,280
167 Community Bank of Trenton Ill. CBT Bancorp Inc. commercial 6.02 2.97 3,030 -0.05 77,906
168 Commercial State Bank Donalsonville, Ga. Georgia Community Bancorp Inc. commercial 6.01 6.29 3,022 -0.01 96,460
169 Tioga Franklin Savings Bank Philadelphia   savings 5.98 11.17 1,575 0.00 33,218
170 Covenant Bank Leeds, Ala. Covenant Bancgroup Inc. commercial 5.97 7.94 2,751 1.00 71,278
  Franklin County UNITED Bank Decherd, Tenn. Franklin County UNITED Bancshares Inc. commercial 5.97 8.79 3,467 -0.11 76,408
172 Devon Bank Chicago Devon Bancorp Inc. commercial 5.92 8.50 10,785 0.04 252,936
  First Federal Savings Bank Rochester, Ind. American Midwest Financial Corp. savings 5.92 6.52 15,046 0.14 351,603
174 State Bank of Burnettsville Ind. SBB Bancshares Inc. commercial 5.91 2.80 1,652 0.16 40,796
175 American Enterprise Bank Buffalo Grove, Ill. A. E. Bancorp Inc. commercial 5.87 4.81 8,610 -0.10 225,569
176 First Bank and Trust of Childress Texas Childress Bancshares Inc. commercial 5.85 1.31 2,963 0.00 90,846
177 First Federal Savings and Loan Association of Greensburg Ind.   savings 5.83 7.70 5,034 -0.06 145,318
  First National Bank of Bangor Wis. Bosshard Banco Ltd. commercial 5.83 7.70 8,417 0.00 225,755
  Santander Holdings USA Inc. Boston Banco Santander SA BHC 5.83 4.52 4,886,804 2.72 131,098,910
180 State Bank of Fairmont Minn. Web Inc. commercial 5.82 5.08 4,479 0.08 107,848
181 Harbor Bank of Maryland Baltimore Harbor Bankshares Corp. commercial 5.81 8.35 10,918 0.09 266,014
182 Gunnison Valley Bank Utah GV Bancorp Inc. commercial 5.80 5.94 4,303 1.63 85,210
183 Independence State Bank Wis. Northern Financial Corp. commercial 5.79 1.15 2,935 0.07 67,140
184 Port Byron State Bank Ill. First Port Byron Bancorp Inc. commercial 5.74 4.66 2,324 0.00 71,872
185 First Bank of Tennessee Spring City   commercial 5.72 5.68 13,702 2.03 291,670
  Madison Bank of Maryland Forest Hill MB Bancorp Inc. savings 5.72 8.35 5,374 0.00 139,351
187 Peoples Bank & Trust Co. of Hazard Ky. Hazard Bancorp commercial 5.68 3.31 11,661 0.40 275,533
188 American Bank of the North Nashwauk, Minn. Mesaba Bancshares Inc. commercial 5.67 7.19 26,045 0.01 573,301
189 Farmers & Merchants Bank Tomah, Wis. F&M Bancorp of Tomah Inc. commercial 5.65 11.07 7,145 -0.15 197,268
190 Cedar Security Bank Fordyce, Neb. Cedar Financial Holding Inc. commercial 5.64 2.86 2,567 0.06 54,141
  Independent Bank Corp. Grand Rapids, Mich.   BHC 5.64 7.71 88,374 -0.12 2,487,120
192 Oxford Bank Mich. Oxford Bank Corp. commercial 5.61 7.89 12,534 -0.11 328,033
  State Bank of Townsend Mont. S.B.T. Financial Inc. commercial 5.61 7.32 1,791 -0.01 57,504
194 Harrison Building and Loan Association Ohio   savings 5.59 7.09 6,427 0.05 220,029
195 Peoples Bank Chestertown, Md. Peoples Bancorp Inc. commercial 5.58 6.69 8,320 0.28 237,154
  SpiritBank Tulsa, Okla. Spirit BankCorp Inc. commercial 5.58 4.10 29,431 0.76 628,267
197 Davis Trust Co. Elkins, W.Va. Davis Trust Financial Corp. commercial 5.57 3.31 4,250 0.24 146,059
198 First National Bank of Mount Dora Fla.   commercial 5.55 3.26 5,896 -0.02 209,799
199 Alliance Bank & Trust Co. Gastonia, N.C. AB&T Financial Corp. commercial 5.54 3.64 6,273 0.08 143,492
200 United Community Bank Perham, Minn. Perham State Bancshares Inc. commercial 5.53 2.42 8,318 -0.10 271,918

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 June 13, 2016.

Source:

SNL Financial
, Charlottesville, Va.
© 2016 American Banker

Banks, thrifts and holding companies