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Community banking

Community Banks with the Highest Returns on Average Assets

November 30, 2020, 12:45 p.m. EST 1 Min Read
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Community Banks with the Highest Returns on Average Assets
Rank Company City State Return on
average assets
3Q 2020		 Return on
average assets
3Q 2019		 Total
assets		 Return on
average equity		 Efficiency
ratio
1 One American Bank Sioux Falls S.D. 37.61 1.60 $301,289 262.06 44.46
2 Magnolia Bank, Inc. Magnolia Ky. 18.18 6.65 400,460 148.29 57.37
3 Bank of England England Ark. 15.45 4.42 585,985 100.82 72.08
4 Willamette Valley Bank Salem Ore. 12.06 5.85 383,470 85.50 55.58
5 University Bank Ann Arbor Mich. 10.85 3.30 613,929 111.46 62.36
6 Paramount Bank Saint Louis Mo. 10.31 0.86 217,335 142.74 60.99
7 Brazos National Bank Richwood Tex. 10.26 4.12 42,183 38.87 68.69
8 First Community Bank of Tennessee Shelbyville Tenn. 9.33 2.14 813,778 68.59 54.00
9 Chickasaw Community Bank Oklahoma City Okla. 8.53 0.73 263,147 80.98 40.91
10 Goldwater Bank, N.A. Phoenix Ariz. 7.93 7.18 306,142 80.81 76.35
11 Flanagan State Bank Flanagan Ill. 7.58 2.40 215,258 64.39 65.24
12 Crockett National Bank San Antonio Tex. 7.19 3.50 691,512 52.76 51.71
13 Fidelity Bank West Des Moines Iowa 7.06 2.31 99,403 55.72 61.25
14 Florida Capital Bank, N.A. Jacksonville Fla. 6.40 2.22 529,741 61.97 46.72
15 Midwest Community Bank Freeport Ill. 6.12 3.66 381,225 66.73 67.98
16 Envision Bank Stoughton Mass. 5.79 0.70 725,171 49.55 45.05
17 FinWise Bank Murray Utah 5.27 9.44 314,560 43.53 52.26
18 Central Bank of Kansas City Kansas City Mo. 5.13 5.83 288,330 35.41 51.64
19 Charter West Bank West Point Neb. 5.09 2.87 347,651 50.38 61.89
20 First State Bank of St. Charles, Missouri Saint Charles Mo. 4.98 2.48 452,044 39.41 64.86
21 Spring Valley Bank Wyoming Ohio 4.90 5.62 91,779 13.01 23.42
22 Allied First Bank,sb Oswego Ill. 4.76 6.46 142,020 41.46 90.80
23 Bank of Montana Missoula Mont. 4.74 3.36 162,306 55.80 24.62
Texico State Bank Texico Ill. 4.74 0.35 11,297 49.79 61.40
25 Millennium Bank Des Plaines Ill. 4.51 2.24 217,453 44.59 44.39
26 Brighton Bank Brighton Tenn. 4.45 0.55 46,505 64.84 73.55
27 Home Savings Bank Madison Wis. 4.16 0.02 177,833 45.21 79.60
28 Citizens State Bank of La Crosse La Crosse Wis. 4.02 3.07 377,916 46.07 32.62
29 Bank of Old Monroe Old Monroe Mo. 3.95 2.43 484,217 26.53 44.23
30 HNB National Bank Hannibal Mo. 3.86 2.94 587,736 30.52 36.69
31 Bank of Cordell Cordell Okla. 3.81 2.16 39,080 33.45 67.65
32 First Bank Burkburnett Tex. 3.72 2.95 544,197 35.04 59.22
33 Lake Area Bank Lindstrom Minn. 3.69 1.76 430,402 32.33 63.40
34 Bank of Prague Prague Neb. 3.66 4.61 32,461 26.41 38.52
35 Apex Bank Camden Tenn. 3.48 2.82 872,746 30.45 33.32
36 Texas Bank Financial Weatherford Tex. 3.46 2.71 504,933 33.98 54.93
37 State Bank of Texas Dallas Tex. 3.45 4.14 958,506 21.44 25.49
38 Park State Bank Duluth Minn. 3.43 2.29 228,031 37.94 61.73
39 Bank of Deerfield Deerfield Wis. 3.42 2.17 172,828 27.98 42.54
40 Goodfield State Bank Goodfield Ill. 3.36 2.42 153,177 27.45 39.47
41 Bank of Lake Mills Lake Mills Wis. 3.31 2.92 245,263 26.31 49.45
42 Peoples Bank Mendenhall Miss. 3.30 2.67 426,625 34.12 54.20
43 Nebraska State Bank Oshkosh Neb. 3.28 3.78 56,558 20.94 41.82
44 Evolve Bank & Trust Memphis Tenn. 3.26 1.38 646,885 39.73 78.00
First National Bank and Trust Phillipsburg Kan. 3.26 1.13 245,613 21.15 46.91
46 First State Bank Elmore City Okla. 3.20 3.02 19,445 30.35 90.06
Cumberland Security Bank, Inc. Somerset Ky. 3.20 3.18 264,099 24.52 40.16
48 West Gate Bank Lincoln Neb. 3.15 1.97 897,348 31.61 48.05
49 Marquette Farmers State Bank of Marquette Marquette Kan. 3.09 0.53 30,058 18.27 81.68
Crown Bank Elizabeth N.J. 3.09 4.70 550,537 14.63 38.38
51 Austin Capital Bank SSB Austin Tex. 2.99 0.10 226,474 39.06 79.62
First Arkansas Bank and Trust Jacksonville Ark. 2.99 2.17 831,606 17.73 59.29
53 SouthernTrust Bank Marion Ill. 2.98 0.52 192,955 37.43 35.62
WoodTrust Bank Wisconsin Rapids Wis. 2.98 3.62 522,939 28.66 41.98
55 Crescent Bank & Trust New Orleans La. 2.95 0.32 926,233 21.73 45.44
56 Bippus State Bank Huntington Ind. 2.94 2.52 214,958 26.11 49.05
57 Texas National Bank Mercedes Tex. 2.93 1.35 419,706 36.43 48.61
Bloomsdale Bank Bloomsdale Mo. 2.93 2.63 302,609 33.53 35.15
59 Security Bank and Trust Company Miami Okla. 2.90 0.10 91,630 27.94 54.53
60 Charter Bank Corpus Christi Tex. 2.89 3.35 317,600 27.18 46.74
Douglas National Bank Douglas Ga. 2.89 3.46 218,343 26.49 46.09
Bank of Mauston Mauston Wis. 2.89 2.89 342,268 22.52 39.07
63 First State Bank Scottsbluff Neb. 2.81 2.02 334,569 30.31 42.54
64 Henderson State Bank Henderson Neb. 2.79 -0.70 281,773 23.49 55.51
First State Bank of Beecher City Beecher City Ill. 2.79 2.74 81,707 19.95 44.41
66 Logansport Savings Bank Logansport Ind. 2.78 1.31 223,485 22.99 44.99
Peoples Community Bank Greenville Mo. 2.78 3.34 540,804 15.95 40.22
68 First Federal Savings and Loan Bank Olathe Kan. 2.75 3.52 98,846 22.17 26.26
69 Idabel National Bank Idabel Okla. 2.74 2.25 151,072 25.66 36.54
70 NewFirst National Bank El Campo Tex. 2.72 2.76 817,101 24.68 46.97
BANK Wapello Iowa 2.72 0.61 100,364 21.82 57.09
72 Quantum National Bank Suwanee Ga. 2.71 3.11 651,784 27.54 41.63
Community Bank of Easton Easton Ill. 2.71 3.18 37,904 12.70 14.08
74 1st National Bank Lebanon Ohio 2.70 0.74 258,354 33.96 59.11
Farmers & Merchants Bank Berlin Wis. 2.70 1.13 391,496 26.93 44.44
76 American Interstate Bank Elkhorn Neb. 2.69 3.46 108,747 14.46 36.02
EvaBank Cullman Ala. 2.69 2.24 431,812 9.96 32.86
78 State Bank of Wheaton Wheaton Minn. 2.68 2.67 89,866 11.29 34.51
79 Dundee Bank Omaha Neb. 2.67 1.96 392,702 30.79 52.96
Peoples State Bank Cherryvale Kan. 2.67 2.52 17,816 10.25 50.87
81 State Bank of New Richland New Richland Minn. 2.66 2.40 113,305 25.11 39.59
Peoples Bank Pratt Kan. 2.66 0.87 468,816 21.45 48.91
Fidelity Bank Edina Minn. 2.66 2.34 971,866 21.38 29.63
84 Cowboy Bank of Texas Maypearl Tex. 2.65 2.55 96,442 23.41 49.73
Municipal Trust and Savings Bank Bourbonnais Ill. 2.65 2.13 324,366 17.62 35.35
86 Citizens State Bank Miles Tex. 2.64 2.16 170,015 27.78 43.43
87 Wells Bank Platte City Mo. 2.62 2.21 272,328 28.14 42.42
88 Vantage Bank Kent Minn. 2.61 1.68 42,435 28.30 53.09
89 Elysian Bank Elysian Minn. 2.60 2.53 53,976 23.16 51.68
90 First State Bank Boise City Okla. 2.59 2.05 92,362 31.43 43.58
Collins State Bank Collins Wis. 2.59 1.42 112,989 28.33 56.01
First Security Bank - West Beulah N.D. 2.59 1.86 73,407 20.14 51.63
93 Passumpsic Bank Saint Johnsbury Vt. 2.58 1.56 810,548 20.89 52.36
94 First State Bank Louise Tex. 2.57 2.53 613,346 28.40 46.74
Bank of Zumbrota Zumbrota Minn. 2.57 2.07 181,383 20.69 45.70
96 Legacy Bank & Trust Company Rogersville Mo. 2.56 1.06 524,997 32.50 34.94
97 Crown Bank Edina Minn. 2.55 2.35 245,372 26.74 51.68
First Community Bank Milton Wis. 2.55 1.70 126,636 25.91 42.84
Vermillion State Bank Vermillion Minn. 2.55 2.83 692,881 16.93 24.36
100 First Reliance Bank Florence S.C. 2.54 1.21 779,917 25.20 51.47
101 Yellowstone Bank Laurel Mont. 2.52 2.99 937,634 16.07 41.48
102 Home Bank and Trust Company Eureka Kan. 2.51 1.84 134,199 32.99 58.53
First Credit Bank Los Angeles Calif. 2.51 5.16 412,451 5.45 41.68
104 Citizens National Bank of Bluffton Bluffton Ohio 2.50 2.27 953,806 24.72 50.12
105 Heritage Bank, National Association Spicer Minn. 2.49 1.43 485,489 26.77 59.83
Genesee Regional Bank Rochester N.Y. 2.49 1.72 746,410 23.72 41.85
Bank of Alma Alma Wis. 2.49 2.77 276,310 5.86 12.83
108 North Shore Bank of Commerce Duluth Minn. 2.48 2.05 360,391 26.20 64.98
109 Grant County State Bank Swayzee Ind. 2.47 2.61 216,329 20.94 30.36
110 Equitable Bank, S.S.B. (MHC) Wauwatosa Wis. 2.46 0.79 302,638 30.91 66.56
111 North Valley Bank Thornton Colo. 2.44 3.06 195,645 20.61 47.76
112 Guaranty Bank & Trust Company of Delhi Delhi La. 2.43 2.30 315,011 31.19 53.72
113 Patriot Bank Millington Tenn. 2.42 1.31 467,583 25.93 53.01
Bank of Salem Salem Ark. 2.42 1.49 160,492 23.07 50.01
Coffee County Bank Manchester Tenn. 2.42 2.39 223,800 21.48 42.45
116 First Bank of Berne Berne Ind. 2.41 2.11 864,370 24.28 43.70
Ixonia Bank Ixonia Wis. 2.41 0.76 506,536 22.71 78.61
Bank of Elgin Elgin Neb. 2.41 2.82 63,168 16.38 45.86
119 Jonah Bank of Wyoming Casper Wyo. 2.40 1.58 526,604 25.72 44.80
ESB Bank Caledonia Minn. 2.40 1.77 129,790 24.77 43.88
Bellevue State Bank Bellevue Iowa 2.40 2.37 130,637 16.43 36.19
122 Cleveland State Bank Cleveland Wis. 2.39 1.58 153,149 21.04 47.21
First National Bank of Picayune Picayune Miss. 2.39 2.94 234,191 17.18 49.53
124 Great North Bank Florence Wis. 2.38 0.64 143,245 24.76 74.38
Farmers and Merchants State Bank Langdon N.D. 2.38 2.31 117,331 15.58 35.87
126 Sherburne State Bank Becker Minn. 2.37 2.14 178,666 32.21 43.37
Solon State Bank Solon Iowa 2.37 2.66 112,727 9.82 43.33
128 Seattle Bank Seattle Wash. 2.36 1.11 730,682 22.99 93.44
129 CNB Bank Carlsbad N.M. 2.34 2.04 483,405 24.70 45.24
130 Bank of Hemet Riverside Calif. 2.33 2.75 854,584 23.13 39.51
131 Alliant Bank Madison Mo. 2.32 1.63 173,461 21.26 62.00
132 First State Bank of the Southeast, Inc. Middlesboro Ky. 2.31 -2.04 351,127 25.03 45.37
Farmers State Bank of Hartland Hartland Minn. 2.31 1.82 189,822 19.96 47.03
Peoples Bank Mt. Washington Mount Washington Ky. 2.31 1.75 97,547 18.92 59.94
135 Citizens Bank and Trust Lake Wales Fla. 2.30 1.20 871,913 27.32 72.96
Waterman State Bank Waterman Ill. 2.30 0.15 62,332 23.58 60.96
137 Plains State Bank Plains Kan. 2.29 0.29 252,746 22.92 51.92
Commercial State Bank of Wagner Wagner S.D. 2.29 1.34 206,581 21.79 40.36
Home Bank of California San Diego Calif. 2.29 2.74 205,853 18.99 41.48
140 Aspire Bank Fargo N.D. 2.28 0.23 54,238 27.80 45.63
Bank of Advance Advance Mo. 2.28 2.33 356,176 16.90 51.96
First State Bank Farnam Neb. 2.28 1.89 145,362 15.75 48.94
143 Murphy Bank Fresno Calif. 2.27 1.86 319,605 20.09 44.14
144 Kearny County Bank Lakin Kan. 2.26 2.74 229,826 13.51 57.56
145 Community Bank Longview Tex. 2.25 2.50 238,273 19.82 41.41
Grant County Bank Ulysses Kan. 2.25 1.37 258,225 16.19 59.19
147 First Bank of Owasso Owasso Okla. 2.24 2.31 530,067 22.36 41.46
Roundbank Waseca Minn. 2.24 2.08 371,398 19.56 61.42
Northwestern Bank Chippewa Falls Wis. 2.24 2.13 517,558 19.36 44.10
Freedom Bank of Southern Missouri Cassville Mo. 2.24 1.42 486,733 16.56 55.93
151 Madison Valley Bank Ennis Mont. 2.23 1.33 239,707 26.12 65.74
Bank of Baker Baker Mont. 2.23 2.21 169,143 23.26 34.97
United Midwest Savings Bank, National Association De Graff Ohio 2.23 2.19 356,286 20.98 67.66
Kentucky Farmers Bank Corporation Ashland Ky. 2.23 1.98 228,111 10.39 48.11
155 Pioneer Trust Bank, National Association Salem Ore. 2.22 2.55 629,904 19.00 34.49
156 Grundy Bank Morris Ill. 2.21 2.50 319,907 22.08 49.92
National Bank of Andrews Andrews Tex. 2.21 2.42 242,685 21.96 57.76
158 Security Bank USA Bemidji Minn. 2.20 2.04 193,417 25.52 59.51
BLC Community Bank Little Chute Wis. 2.20 1.57 314,979 19.34 39.53
First State Bank Norton Kan. 2.20 1.23 478,647 18.22 43.74
Bluff View Bank Galesville Wis. 2.20 2.12 121,008 11.80 55.39
162 Valor Bank Edmond Okla. 2.19 1.98 127,398 28.06 66.59
HomeTown Bank Redwood Falls Minn. 2.19 1.77 451,862 21.82 51.17
Pine Island Bank Pine Island Minn. 2.19 2.22 117,062 21.42 43.57
Farmers and Merchants State Bank Plankinton S.D. 2.19 2.54 123,231 19.95 45.59
Citizens Bank of Rogersville Rogersville Mo. 2.19 1.43 97,567 19.23 56.21
United Farmers State Bank Adams Minn. 2.19 1.72 162,787 18.14 42.73
Union Bank Company Columbus Grove Ohio 2.19 1.26 995,426 17.84 49.81
Lamont Bank of St. John Saint John Wash. 2.19 0.37 55,815 15.15 32.10
Republic Banking Company Republic Ohio 2.19 2.06 52,960 13.57 41.15
171 Farmers and Merchants State Bank of Blooming Prairie Blooming Prairie Minn. 2.18 2.27 100,859 28.56 52.53
SouthPoint Bank Birmingham Ala. 2.18 1.45 557,083 25.25 62.13
173 Peoples Bank & Trust Company Ryan Okla. 2.17 5.84 82,381 26.85 51.69
Dart Bank Mason Mich. 2.17 0.65 613,525 24.32 57.32
Hodge Bank & Trust Company Hodge La. 2.17 2.96 80,740 12.57 6.30
176 Tolleson Private Bank Dallas Tex. 2.16 2.88 620,906 25.56 45.35
Great Plains National Bank Hollis Okla. 2.16 2.04 952,668 23.52 69.01
Deerwood Bank Waite Park Minn. 2.16 1.43 907,703 23.26 40.58
Citizens Bank of Las Cruces Las Cruces N.M. 2.16 2.42 744,061 20.59 54.88
McKenzie Banking Company McKenzie Tenn. 2.16 2.23 155,149 16.60 61.13
181 Solera National Bank Lakewood Colo. 2.15 1.51 404,659 19.46 38.55
182 Riverside Bank Sparkman Ark. 2.14 2.43 63,470 24.27 54.61
Bank of Milton Milton Wis. 2.14 1.41 156,406 22.50 47.79
184 First National Bank of Las Animas Las Animas Colo. 2.13 2.57 465,866 17.56 48.08
American National Bank-Fox Cities Appleton Wis. 2.13 3.38 343,410 15.66 44.45
Farmers and Merchants Bank of Kendall Kendall Wis. 2.13 2.74 74,699 13.17 50.63
187 HomeBank Texas Seagoville Tex. 2.12 2.23 255,975 21.43 48.11
Security State Bank Sutherland Iowa 2.12 3.09 258,816 21.34 35.05
Frontier Bank Omaha Neb. 2.12 1.09 956,968 19.79 44.56
First National Bank of Middle Tennessee McMinnville Tenn. 2.12 1.44 571,882 16.41 56.86
191 First Missouri State Bank of Cape County Cape Girardeau Mo. 2.11 1.01 177,986 23.48 56.01
First Enterprise Bank Oklahoma City Okla. 2.11 1.81 196,886 19.84 60.60
Petefish, Skiles & Co. Virginia Ill. 2.11 1.93 225,702 16.54 54.16
194 McGehee Bank McGehee Ark. 2.10 2.22 146,615 15.54 52.37
Denison State Bank Holton Kan. 2.10 1.70 404,123 14.77 49.30
Main Street Bank Bingham Farms Mich. 2.10 1.26 337,472 14.75 57.49
197 Bank Northwest Hamilton Mo. 2.09 2.44 182,272 23.58 48.75
Bank of Little Rock Little Rock Ark. 2.09 0.83 236,598 21.46 78.32
Peoples Bank of Deer Lodge Deer Lodge Mont. 2.09 0.79 38,488 20.02 53.68
First Farmers State Bank Minier Ill. 2.09 1.56 196,820 17.29 53.11

Note: Independent banks and thrifts operating as of Nov. 27, 2020 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.

© 2020 American Banker

Source:

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

Community banking