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Community Banks with the Highest Returns on Average Assets

August 23, 2021, 11:34 a.m. EDT 1 Min Read
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Community Banks with the Highest Returns on Average Assets
Rank Company City State Type of charter Return on
average assets
2Q 2021		 Return on
average assets
2Q 2020		 Total
assets		 Return on
average equity		 Efficiency
ratio
1 First Security Bank and Trust Company Oklahoma City Okla. Commercial Bank 11.48 1.83 $63,352 112.81 28.35
2 The First State Bank Abernathy Tex. Commercial Bank 10.85 0.98 49,712 100.88 45.46
3 FinWise Bank Murray Utah Commercial Bank 9.16 1.54 281,800 56.44 38.96
4 CBW Bank Weir Kan. Commercial Bank 7.24 3.56 100,639 38.52 35.76
5 Crescent Bank & Trust New Orleans La. Commercial Bank 6.18 -6.29 931,742 35.59 39.02
6 Willamette Valley Bank Salem Ore. Commercial Bank 6.09 9.60 376,530 35.23 66.69
7 First State Bank Elmore City Okla. Commercial Bank 5.74 3.72 17,398 41.95 79.80
8 LimeBank Bolivar Mo. Commercial Bank 5.70 0.19 76,449 51.92 45.09
9 Peoples Bank Mendenhall Miss. Commercial Bank 5.00 3.46 422,771 52.07 51.66
10 Marlin Business Bank Salt Lake City Utah Commercial Bank 4.96 -3.07 918,130 29.42 71.31
11 The State Bank of Geneva Geneva Ill. Commercial Bank 4.88 0.48 110,750 56.27 38.88
12 Landmark Bank Clinton La. Commercial Bank 4.87 0.45 158,375 48.28 39.32
13 Native American Bank, National Association Denver Colo. Commercial Bank 4.81 0.50 166,287 47.96 41.36
14 Bank of Alma Alma Wis. Commercial Bank 4.74 2.60 277,317 11.02 8.16
15 Brazos National Bank Richwood Tex. Commercial Bank 4.71 7.97 32,898 12.65 83.44
16 Great Plains Bank Eureka S.D. Commercial Bank 4.69 2.22 143,557 37.04 23.71
17 First Credit Bank Los Angeles Calif. Commercial Bank 4.66 3.40 441,344 10.25 17.41
18 Midwest Community Bank Freeport Ill. Commercial Bank 4.56 5.66 367,092 42.30 75.67
19 The Bank of Houston Houston Mo. Commercial Bank 4.50 -1.34 55,821 40.39 38.01
20 First National Bank and Trust Atmore Ala. Commercial Bank 4.48 1.33 205,141 43.20 41.68
21 Ultima Bank Minnesota Winger Minn. Commercial Bank 4.37 3.11 211,473 41.94 38.86
22 Apex Bank Camden Tenn. Commercial Bank 4.26 2.44 934,556 32.33 24.33
23 Central Bank of Kansas City Kansas City Mo. Commercial Bank 4.24 3.13 335,534 33.35 60.38
24 NewFirst National Bank El Campo Tex. Commercial Bank 4.12 2.94 876,689 40.00 38.32
25 Century Bank of the Ozarks Gainesville Mo. Commercial Bank 3.94 1.57 239,696 45.51 37.12
26 The First National Bank of Eldorado Eldorado Tex. Commercial Bank 3.90 2.43 72,473 23.71 41.54
27 Spring Valley Bank Wyoming Ohio Commercial Bank 3.86 5.27 92,752 10.71 33.56
28 Paradise Bank Boca Raton Fla. Commercial Bank 3.81 1.05 393,050 38.57 44.72
The State Exchange Bank Lamont Okla. Commercial Bank 3.81 2.45 79,996 33.54 35.54
30 The First State Bank Boise City Okla. Commercial Bank 3.80 1.91 102,531 44.36 31.61
31 Crockett National Bank San Antonio Tex. Commercial Bank 3.79 2.81 802,246 29.12 65.12
32 Utah Independent Bank Salina Utah Commercial Bank 3.78 3.40 127,124 30.12 37.71
33 Bank of Columbia Columbia Ky. Commercial Bank 3.68 1.54 179,912 39.18 38.31
Nebraska State Bank Oshkosh Neb. Commercial Bank 3.68 3.82 65,557 26.34 38.14
35 Allied First Bank, SB Oswego Ill. Commercial Bank 3.67 3.00 161,870 28.35 93.05
36 Bank of Lumber City Lumber City Ga. Commercial Bank 3.65 0.16 25,323 23.64 54.04
First Security Bank Mackinaw Ill. Commercial Bank 3.65 1.00 95,053 38.75 43.07
38 Peoples Bank Lubbock Tex. Commercial Bank 3.64 1.43 889,851 40.80 59.09
39 Abbeville Building and Loan, A State Chartered Savings Bank Abbeville La. Commercial Bank 3.61 0.01 61,930 12.73 50.52
Coleman County State Bank Coleman Tex. Commercial Bank 3.61 3.23 163,443 41.70 47.91
Peoples Community Bank Greenville Mo. Commercial Bank 3.61 3.22 607,278 21.09 34.58
42 The Gary State Bank Gary Minn. Commercial Bank 3.58 1.89 17,323 29.52 47.46
Westside State Bank Westside Iowa Commercial Bank 3.58 0.56 146,545 42.57 49.39
44 Peoples Bank & Trust Company Ryan Okla. Commercial Bank 3.57 4.33 79,706 41.24 46.43
45 West Town Bank & Trust North Riverside Ill. Commercial Bank 3.56 -1.53 395,935 34.81 55.82
46 First Iowa State Bank Albia Iowa Commercial Bank 3.50 1.74 184,579 33.21 33.48
47 First Federal Savings and Loan Bank Olathe Kan. Commercial Bank 3.47 2.38 94,996 24.88 21.04
48 Red River State Bank Halstad Minn. Commercial Bank 3.39 2.30 143,734 41.79 33.28
49 Waterman Bank Waterman Ill. Commercial Bank 3.27 1.51 77,680 20.44 71.74
50 Texas Bank Financial Weatherford Tex. Commercial Bank 3.24 3.57 620,486 29.89 51.76
51 Charter Bank Corpus Christi Tex. Commercial Bank 3.21 2.95 342,504 33.95 58.85
First State Bank of Roscoe Roscoe S.D. Commercial Bank 3.21 1.29 131,793 29.58 30.95
FirstBank Antlers Okla. Commercial Bank 3.21 2.03 565,876 32.79 52.29
54 Commercial State Bank of Wagner Wagner S.D. Commercial Bank 3.18 2.19 259,983 30.47 32.44
United Farmers State Bank Adams Minn. Commercial Bank 3.18 2.79 180,370 28.47 32.75
56 Home Bank of California San Diego Calif. Commercial Bank 3.17 1.54 205,588 25.43 37.55
57 The First National Bank at Paris Paris Ark. Commercial Bank 3.16 1.55 230,741 25.75 48.74
58 Citizens State Bank - La Crosse La Crosse Wis. Commercial Bank 3.15 4.56 407,603 35.31 41.13
Cumberland Security Bank, Inc. Somerset Ky. Commercial Bank 3.15 3.06 268,228 23.49 43.11
Dundee Bank Omaha Neb. Commercial Bank 3.15 2.11 436,501 35.76 45.40
Prime Alliance Bank Woods Cross Utah Commercial Bank 3.15 0.30 499,980 27.30 29.39
62 F & C Bank Holden Mo. Commercial Bank 3.14 2.25 283,274 30.94 47.16
Union State Bank Greenfield Iowa Commercial Bank 3.14 1.64 91,825 21.74 40.00
64 Continental Bank Salt Lake City Utah Commercial Bank 3.13 0.83 290,053 29.44 51.98
65 Welch State Bank of Welch, Okla. Welch Okla. Commercial Bank 3.12 1.86 312,294 28.95 48.21
66 First Security Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 3.11 4.00 66,705 34.90 39.86
Titan Bank, N.A. Mineral Wells Tex. Commercial Bank 3.11 3.59 512,810 44.79 28.39
68 First State Bank Ida Grove Iowa Commercial Bank 3.08 1.93 182,562 25.63 31.67
Security Bank of the Ozarks Eminence Mo. Commercial Bank 3.08 1.40 130,763 38.46 46.69
70 First Bank Burkburnett Tex. Commercial Bank 3.07 3.85 576,080 27.19 65.10
71 County Bank Sigourney Iowa Commercial Bank 3.04 2.16 208,450 31.22 43.60
72 PromiseOne Bank Duluth Ga. Commercial Bank 3.03 2.18 561,556 26.92 36.49
73 Peoples Bank Lebanon Ky. Commercial Bank 3.02 1.44 113,980 35.48 36.41
Swedish-American State Bank Courtland Kan. Commercial Bank 3.02 1.53 49,208 26.30 44.25
75 Bank of Montana Missoula Mont. Commercial Bank 3.00 4.14 161,928 31.05 41.17
76 First National Bank Bagley Minn. Commercial Bank 2.98 0.95 107,999 37.65 44.03
77 The Cowboy Bank of Texas Maypearl Tex. Commercial Bank 2.97 2.45 107,049 27.88 45.51
78 The Breda Savings Bank Breda Iowa Commercial Bank 2.96 1.51 74,614 29.80 27.92
79 Bank of Mauston Mauston Wis. Commercial Bank 2.95 3.26 396,841 24.89 34.45
Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. Commercial Bank 2.95 2.05 111,774 40.43 43.44
81 The First National Bank of Hughes Springs Hughes Springs Tex. Commercial Bank 2.94 2.87 334,034 27.83 47.53
82 BankVista Sartell Minn. Commercial Bank 2.93 1.18 445,965 33.76 39.53
The Bank of Edison Edison Ga. Commercial Bank 2.93 0.45 65,722 38.54 56.87
84 WoodTrust Bank Wisconsin Rapids Wis. Commercial Bank 2.92 3.41 576,522 30.01 43.01
85 Riverstone Bank Eagle Neb. Commercial Bank 2.91 2.81 113,461 31.40 40.13
86 RiverBank Pocahontas Ark. Savings Bank 2.90 1.77 93,043 22.19 35.01
87 First Community Bank Milton Wis. Commercial Bank 2.88 2.10 130,694 28.90 41.94
Peoples State Bank Cherryvale Kan. Commercial Bank 2.88 2.19 17,211 10.95 49.90
89 Security State Bank Sutherland Iowa Savings Bank 2.86 2.43 275,242 27.85 30.32
90 Millennium Bank Des Plaines Ill. Commercial Bank 2.85 1.84 259,786 27.03 47.56
91 New Century Bank Belleville Kan. Commercial Bank 2.84 0.91 59,849 24.82 58.71
92 Douglas National Bank Douglas Ga. Commercial Bank 2.83 2.72 242,319 28.88 45.70
93 FNB South Alma Ga. Commercial Bank 2.82 2.48 485,849 18.68 39.94
HNB National Bank Hannibal Mo. Commercial Bank 2.82 2.76 658,787 23.55 42.12
Quantum National Bank Suwanee Ga. Commercial Bank 2.82 2.20 614,918 28.04 45.43
96 Murphy Bank Fresno Calif. Commercial Bank 2.81 1.75 351,734 24.94 40.40
97 North Valley Bank Thornton Colo. Commercial Bank 2.80 3.14 218,732 25.04 42.87
98 Farmers and Merchants State Bank Plankinton S.D. Commercial Bank 2.79 2.63 135,189 27.48 40.61
99 Citizens Commerce Bank Versailles Ky. Commercial Bank 2.77 0.80 307,706 27.90 41.83
Durden Banking Company, Incorporated Twin City Ga. Commercial Bank 2.77 1.88 231,013 19.24 52.48
101 Northwest Bank & Trust Company Davenport Iowa Commercial Bank 2.76 1.12 221,153 32.01 58.01
102 Peoples State Bank of Velva Velva N.D. Commercial Bank 2.75 1.62 135,753 30.44 47.55
103 Coffee County Bank Manchester Tenn. Commercial Bank 2.74 2.33 233,585 24.67 42.95
First Arkansas Bank and Trust Jacksonville Ark. Commercial Bank 2.74 0.94 946,302 20.01 60.65
State Bank of New Richland New Richland Minn. Commercial Bank 2.74 3.12 109,587 26.49 39.77
106 The Cornerstone Bank South West City Mo. Commercial Bank 2.73 0.53 178,074 22.40 55.34
107 NewBank Flushing N.Y. Commercial Bank 2.71 1.28 553,278 24.94 40.57
VisionBank Saint Louis Park Minn. Commercial Bank 2.71 5.45 203,150 41.48 29.23
109 First State Bank of St. Charles, Missouri Saint Charles Mo. Commercial Bank 2.70 2.80 462,945 18.19 76.27
110 Bank Northwest Hamilton Mo. Commercial Bank 2.69 3.48 195,983 30.41 38.53
Farmers Bank & Trust Company Marion Ky. Commercial Bank 2.69 2.21 470,750 26.53 48.39
State Savings Bank Creston Iowa Commercial Bank 2.69 1.81 148,339 28.91 43.61
The Peoples Bank Magnolia Ark. Commercial Bank 2.69 1.43 219,170 24.53 49.90
114 Collins State Bank Collins Wis. Commercial Bank 2.67 2.89 126,593 28.95 51.73
115 Security First National Bank of Hugo Hugo Okla. Commercial Bank 2.65 1.56 137,805 30.76 45.96
116 The Riley State Bank of Riley Kansas Riley Kan. Commercial Bank 2.64 0.98 116,328 28.48 40.01
117 Capital Community Bank Provo Utah Commercial Bank 2.61 1.73 491,868 22.11 47.52
Lewisburg Banking Company Lewisburg Ky. Commercial Bank 2.61 1.54 164,507 27.10 48.89
119 Aspire Bank Fargo N.D. Commercial Bank 2.60 1.90 55,029 29.90 48.43
Edmonton State Bank Edmonton Ky. Commercial Bank 2.60 2.55 699,760 20.81 44.65
First Security Bank - Canby Canby Minn. Commercial Bank 2.60 2.42 79,556 19.52 40.09
122 Bank of George Las Vegas Nev. Commercial Bank 2.59 0.90 543,692 22.40 50.60
Citizens Bank Columbia Miss. Commercial Bank 2.59 1.22 486,567 27.08 47.10
Oklahoma State Bank Buffalo Okla. Commercial Bank 2.59 2.41 60,941 27.14 53.18
Peoples Bank of the South La Follette Tenn. Commercial Bank 2.59 1.61 187,026 22.63 46.41
126 Main Bank Albuquerque N.M. Commercial Bank 2.57 1.65 236,098 32.84 35.57
NorthStar Bank Estherville Iowa Savings Bank 2.57 1.01 218,209 21.30 52.21
State Bank of Wheaton Wheaton Minn. Commercial Bank 2.57 2.32 96,316 11.30 41.09
129 Arbor Bank Nebraska City Neb. Commercial Bank 2.55 1.17 519,290 32.62 57.69
EvaBank Cullman Ala. Commercial Bank 2.55 2.56 423,894 8.98 39.11
Grant County State Bank Swayzee Ind. Commercial Bank 2.55 2.49 233,926 21.23 26.40
Peoples Bank & Trust Company Manchester Tenn. Commercial Bank 2.55 1.11 141,501 23.97 42.97
Texas Heritage National Bank Daingerfield Tex. Commercial Bank 2.55 0.80 287,558 26.06 50.77
134 Wood & Huston Bank Marshall Mo. Commercial Bank 2.54 2.13 984,328 24.88 46.28
135 State Bank of Cochran Cochran Ga. Commercial Bank 2.53 2.23 252,071 19.24 48.91
136 Ashton State Bank Ashton Neb. Commercial Bank 2.51 -0.06 20,262 29.32 61.97
Bank of Saint Elizabeth Saint Elizabeth Mo. Commercial Bank 2.51 2.76 188,320 21.44 52.06
First State Bank & Trust Company Fremont Neb. Commercial Bank 2.51 1.92 288,086 27.31 51.26
Jonah Bank of Wyoming Casper Wyo. Commercial Bank 2.51 1.79 479,689 26.03 51.41
140 Genesee Regional Bank Rochester N.Y. Commercial Bank 2.50 1.82 824,500 23.31 46.49
Lamar Bank and Trust Company Lamar Mo. Commercial Bank 2.50 1.31 218,695 23.36 46.49
The Bippus State Bank Huntington Ind. Commercial Bank 2.50 2.99 245,774 23.49 51.52
143 New Frontier Bank Saint Charles Mo. Commercial Bank 2.49 1.78 125,603 26.12 48.04
Security State Bank of Wanamingo, Incorporated Wanamingo Minn. Commercial Bank 2.49 1.36 75,349 20.51 46.89
The First National Bank in Falfurrias Falfurrias Tex. Commercial Bank 2.49 1.84 91,765 29.18 42.48
146 Alliant Bank Madison Mo. Commercial Bank 2.48 1.24 202,124 26.58 55.71
Bank of Salem Salem Ark. Commercial Bank 2.48 2.16 171,796 23.58 47.99
Lake Area Bank Lindstrom Minn. Commercial Bank 2.48 4.20 438,392 21.36 73.37
149 Fresno First Bank Fresno Calif. Commercial Bank 2.46 1.71 988,014 21.89 32.70
150 Community Bank, Lexington, Tennessee Lexington Tenn. Commercial Bank 2.45 2.01 192,502 25.60 50.01
First National Bank Oldham S.D. Commercial Bank 2.45 1.19 412,741 21.56 51.02
Pine Island Bank Pine Island Minn. Commercial Bank 2.45 1.96 114,869 22.28 40.19
Sterling Bank Barron Wis. Commercial Bank 2.45 2.04 308,013 29.21 46.07
154 Platte Valley Bank Torrington Wyo. Commercial Bank 2.44 1.90 536,117 24.06 46.69
PrinsBank Prinsburg Minn. Commercial Bank 2.44 1.10 166,107 17.05 58.68
156 Community Bank of Easton Easton Ill. Commercial Bank 2.43 2.55 40,098 11.47 16.98
Community State Bank Bradley Ark. Commercial Bank 2.43 2.20 30,071 22.19 53.39
Oklahoma Heritage Bank Stratford Okla. Commercial Bank 2.43 0.71 94,026 24.37 57.64
159 Heartland Bank Somers Iowa Commercial Bank 2.42 2.27 192,044 19.22 49.34
Riverside Bank Sparkman Ark. Commercial Bank 2.42 2.71 61,518 26.51 52.97
The Citizens National Bank of Bluffton Bluffton Ohio Commercial Bank 2.42 1.80 947,302 22.52 53.03
The Denison State Bank Holton Kan. Commercial Bank 2.42 1.72 435,202 18.05 42.98
163 Farmers & Merchants Union Bank Columbus Wis. Commercial Bank 2.41 1.32 430,567 19.67 31.55
Greater Community Bank Rome Ga. Commercial Bank 2.41 1.13 305,170 24.79 59.54
165 Pike National Bank McComb Miss. Commercial Bank 2.40 0.68 314,411 19.54 49.62
166 Community First Bank of the Heartland Mount Vernon Ill. Commercial Bank 2.39 1.66 241,830 23.78 48.18
Goodfield State Bank Goodfield Ill. Commercial Bank 2.39 3.35 174,029 20.41 46.44
Peoples Bank of Deer Lodge Deer Lodge Mont. Commercial Bank 2.39 1.03 45,684 25.81 50.60
Portage Bank Ceylon Minn. Commercial Bank 2.39 1.19 30,558 18.69 56.80
170 Sabal Palm Bank Sarasota Fla. Commercial Bank 2.37 0.77 412,177 30.15 48.42
171 Farmers State Bank, Allen, Oklahoma Allen Okla. Commercial Bank 2.36 1.65 50,219 20.69 57.03
INSOUTH Bank Brownsville Tenn. Commercial Bank 2.36 1.26 418,940 25.83 52.85
173 Crown Bank Elizabeth N.J. Commercial Bank 2.35 2.74 563,361 11.24 33.53
First Community Bank of the Heartland, Inc. Clinton Ky. Commercial Bank 2.35 1.27 343,520 23.66 57.44
First Iowa State Bank Keosauqua Iowa Commercial Bank 2.35 1.46 153,887 23.54 54.96
176 Heritage Bank, National Association Spicer Minn. Commercial Bank 2.34 1.90 448,416 22.92 61.67
Simmesport State Bank Simmesport La. Commercial Bank 2.34 1.66 146,984 19.70 46.20
178 Bank of the Rockies White Sulphur Springs Mont. Commercial Bank 2.33 0.88 201,483 23.91 72.94
Primebank Le Mars Iowa Commercial Bank 2.33 0.88 553,964 20.00 44.49
180 CNB Bank Carlsbad N.M. Commercial Bank 2.32 2.85 488,634 25.05 47.86
State Bank of Taunton Taunton Minn. Commercial Bank 2.32 0.77 55,353 23.46 59.04
The First Security Bank Overbrook Kan. Commercial Bank 2.32 1.35 75,307 26.05 53.53
UniBank Lynnwood Wash. Commercial Bank 2.32 1.59 417,079 14.78 48.78
184 First State Bank Farnam Neb. Commercial Bank 2.31 2.25 152,653 16.38 47.31
Partners Bank Helena Ark. Commercial Bank 2.31 0.66 345,006 26.42 50.83
Port Richmond Savings Philadelphia Pa. Commercial Bank 2.31 1.72 97,105 13.33 44.31
187 First Northern Bank of Wyoming Buffalo Wyo. Commercial Bank 2.30 1.52 527,452 29.17 57.26
The First National Bank of Lindsay Lindsay Okla. Commercial Bank 2.30 1.85 84,332 20.66 41.92
189 Dakota Western Bank Bowman N.D. Commercial Bank 2.29 1.67 309,197 20.09 44.43
First Eagle Bank Chicago Ill. Commercial Bank 2.29 2.58 618,956 12.63 38.84
Roundbank Waseca Minn. Commercial Bank 2.29 1.93 384,214 20.47 58.71
192 Bank of Grandin Grandin Mo. Commercial Bank 2.28 1.18 194,721 15.63 45.76
Charter Bank Johnston Iowa Commercial Bank 2.28 1.96 208,199 22.22 41.57
Citizens State Bank Miles Tex. Commercial Bank 2.28 1.76 192,881 25.37 41.17
CLB The Community Bank Jonesville La. Commercial Bank 2.28 1.64 242,164 24.77 52.77
Liberty Bank Geraldine Ala. Commercial Bank 2.28 0.72 180,217 20.74 45.19
Logan State Bank Logan Iowa Commercial Bank 2.28 1.21 78,026 31.43 49.92
The Bank of Old Monroe Old Monroe Mo. Commercial Bank 2.28 3.42 554,114 18.81 44.41
199 ACB Bank Cherokee Okla. Commercial Bank 2.27 1.21 122,316 18.34 49.12
Bank of Elgin Elgin Neb. Commercial Bank 2.27 2.41 66,166 16.45 46.25
First Bank Erick Okla. Commercial Bank 2.27 1.89 94,899 19.75 54.19
Peoples Bank of Moniteau County Jamestown Mo. Commercial Bank 2.27 0.63 68,552 25.57 42.54

Note: Independent banks and thrifts operating as of Aug. 20, 2021 with less than $1 billion of assets or whose holding companies have less than $1 billion.

Excludes industrial banks and those at which loans were less than half of assets or whose credit card loans exceeded 25% of gross loans.

© 2021 American Banker

Source:

https://www.spglobal.com/en/

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