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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

February 13, 2017, 4:52 p.m. EST 1 Min Read

Year to date through Sept. 30, 2016. Dollars in thousands.

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Most Efficient Bank Holding Companies

Efficiency Ratio (YTD)*

Noninterest Expense (YTD)

 Assets
Rank Company City State Sept. 2016 Sept. 2015 Sept. 2016 Sept. 2015 Change Sept. 2016
1 Sterling Bancorp Inc. Southfield Mich. 28.46 37.08 $6,913 $5,928 $16.6 $2,030,624
2 Synchrony Financial Stamford Conn. 29.06 NA 859,864 NA NA 87,158,600
3 Clayton HC Inc. Knoxville Tenn. 30.48 36 5,545 5,654 -1.9 1,250,306
4 Beal Financial Corp. Plano Texas 30.60 25.93 40,649 32,969 23.3 7,759,258
5 Briscoe Ranch Inc. Uvalde Texas 30.64 25.05 6,409 5,422 18.2 1,669,353
6 Merchants Bancorp Carmel Ind. 31.24 34.70 7,174 5,393 33.0 3,077,086
7 United National Corp. Sioux Falls S.D. 35.56 35.36 87,754 80,120 9.5 2,431,923
8 Lakeside Bancorp Inc. Chicago Ill. 36.50 41.11 6,300 5,825 8.2 1,382,340
9 Bank of the Ozarks Inc. Little Rock Ark. 36.82 36.17 78,781 45,428 73.4 18,451,783
10 United Bankshares Inc. Charleston W.Va. 37.28 49.04 62,128 57,539 8.0 14,344,696
11 ServisFirst Bancshares Inc. Birmingham Ala. 37.72 39.24 20,004 18,028 11.0 6,002,621
12 Industry Bancshares Inc. Industry Texas 38.63 33.49 11,864 10,803 9.8 3,618,223
13 Oritani Financial Corp. Township of Washington N.J. 38.75 35.71 10,304 10,777 -4.4 3,794,900
14 Discover Financial Services Riverwoods Ill. 38.80 40.07 892,458 874,578 2.0 90,540,758
15 RBB Bancorp Los Angeles Calif. 38.82 NA 7,035 NA NA 1,448,905
16 BofI Holding Inc. San Diego Calif. 39.07 33.13 32,726 22,963 42.5 7,855,042
17 PacWest Bancorp Beverly Hills Calif. 39.72 40.87 110,275 85,929 28.3 21,315,309
18 Home BancShares Inc. Conway Ark. 39.91 39.64 50,763 44,329 14.5 9,764,238
19 Eagle Bancorp Inc. Bethesda Md. 40.02 40.81 28,839 27,301 5.6 6,762,905
20 ConnectOne Bancorp Inc. Englewood Cliffs N.J. 40.78 40.71 14,551 13,301 9.4 4,327,804
21 First Security Bancorp Searcy Ark. 41.08 38.97 34,729 31,815 9 5,416,308
22 NexBank Capital Inc. Dallas Texas 41.47 46.33 11,773 10,776 9.3 4,025,548
23 Prosperity Bancshares Inc. Houston Texas 41.58 39.28 78,344 75,910 3.2 21,405,613
24 FCB Financial Holdings Inc. Weston Fla. 43.72 42.63 32,811 25,191 30.2 8,531,152
25 Northern Bancorp Inc. Woburn Mass. 43.77 43.29 7,660 6,681 14.7 1,655,999
26 Western Alliance Bancorp. Phoenix Ariz. 44.02 45.37 85,242 73,164 16.5 17,042,602
27 Villages Bancorp. Inc. The Villages Fla. 44.77 38.77 6,478 5,079 27.5 1,995,198
28 New York Community Bancorp Inc. Westbury N.Y. 44.78 45.89 161,682 147,305 9.8 49,462,620
  CVB Financial Corp. Ontario Calif. 44.78 42.68 33,002 32,636 1.1 8,044,993
30 Capitol Federal Financial Inc. Topeka Kan. 45.07 47.48 24,244 25,503 -4.9 9,284,493
31 Olney Bancshares of Texas Inc. Olney Texas 45.16 49.17 15,293 16,685 -8.3 2,891,420
32 Stearns Financial Services Inc. St. Cloud Minn. 45.34 28.33 16,857 11,858 42.2 1,974,012
33 Cathay General Bancorp Los Angeles Calif. 45.81 53.61 51,214 57,386 -10.8 14,098,789
34 Inwood Bancshares Inc. Dallas Texas 45.85 46.64 9,523 8,808 8.1 2,369,956
35 West Bancorp. Inc. West Des Moines Iowa 46.26 46.30 7,993 7,549 5.9 1,824,830
36 Washington Federal Inc. Seattle Wash. 46.55 45.74 55,786 56,921 -2.0 14,888,063
37 First of Long Island Corp. Glen Head N.Y. 46.89 50.57 11,972 11,380 5.2 3,434,495
38 NEB Corp. Fond du Lac Wis. 47.37 46.34 13,611 9,226 47.5 2,034,660
39 Manhattan Banking Corp. Manhattan Kan. 47.56 44.91 10,587 8,230 28.6 1,601,834
40 Lakeland Financial Corp. Warsaw Ind. 47.70 48.97 18,752 17,202 9.0 4,200,203
41 Ames National Corp. Ames Iowa 47.80 48.05 6,209 6,172 0.6 1,340,344
42 Central Community Corp. Temple Texas 48.01 33.37 8,325 7,809 6.6 1,396,458
43 LegacyTexas Financial Group Inc. Plano Texas 48.04 51.23 41,160 37,911 8.6 8,442,990
44 Amarillo National Bancorp Inc. Amarillo Texas 48.07 50.31 21,059 21,703 -3.0 3,841,091
45 Sterling Bancorp Montebello N.Y. 48.25 61.24 62,304 71,749 -13.2 13,622,965
46 Great Western Bancorp Inc. Sioux Falls S.D. 48.31 NA 56,499 NA NA 11,531,180
47 Blackhawk Bancorp. Inc. Milan Ill. 48.41 41.70 5,321 4,915 8.3 1,271,378
48 Dime Community Bancshares Inc. Brooklyn N.Y. 48.63 47.70 18,162 16,040 13.2 5,821,786
49 Silver Queen Financial Services Inc. Greenwood Village Colo. 48.73 70.22 3,896 4,009 -2.8 1,891,139
50 First National of Nebraska Inc. Omaha Neb. 48.77 66.82 224,658 228,642 -1.7 18,695,571
51 BCI Financial Group Inc. Miami Fla. 48.80 48.48 32,837 26,690 23.0 7,767,693
52 PrivateBancorp Inc. Chicago Ill. 49.21 51.66 90,617 84,227 7.6 19,105,560
53 First Financial Bankshares Inc. Abilene Texas 49.26 48.27 42,002 39,973 5.1 6,686,736
54 Enterprise Financial Services Corp Clayton Mo. 50.04 55.29 20,832 19,961 4.4 3,909,644
55 Capital One Financial Corp. McLean Va. 50.09 51.96 3,325,883 3,169,947 4.9 345,187,277
56 Traditional Bancorp. Inc. Mount Sterling Ky. 50.26 53.22 6,576 6,483 1.4 1,325,970
57 First Bancorp Inc. Damariscotta Maine 50.79 53.87 7,492 7,665 -2.3 1,629,003
58 Bank First National Corp. Manitowoc Wis. 50.88 48.59 6,284 5,449 15.3 1,347,227
59 S&T Bancorp Inc. Indiana Pa. 51.02 52.14 34,350 33,530 2.4 6,718,205
60 SVB Financial Group Santa Clara Calif. 51.17 50.84 221,827 184,755 20.1 43,287,937
61 Independent Bank Group Inc. McKinney Texas 51.39 60.41 26,888 25,967 3.5 5,667,195
62 Stockman Financial Corp. Miles City Mont. 51.61 53.00 18,477 17,645 4.7 3,177,509
63 Hometown Community Bancorp Inc. Morton Ill. 51.79 50.57 14,140 13,237 6.8 3,340,758
  Arbor Bancorp Inc. Ann Arbor Mich. 51.79 51.27 7,690 7,097 8.4 1,289,772
65 Franklin Financial Network Inc. Franklin Tenn. 52.01 50.46 13,707 10,832 26.5 2,703,194
66 Pinnacle Financial Partners Inc. Nashville Tenn. 52.11 53.01 63,747 45,653 39.6 10,978,390
67 Texas Capital Bancshares Inc. Dallas Texas 52.13 52.75 95,425 81,074 17.7 22,216,404
68 Amboy Bancorp. Old Bridge N.J. 52.75 92.98 11,042 24,180 -54.3 2,390,441
69 Grandpoint Capital Inc. Los Angeles Calif. 53.04 51.82 16,458 15,833 3.9 3,297,392
70 Community Trust Bancorp Inc. Pikeville Ky. 53.39 56.76 26,687 27,534 -3.1 3,930,226
71 Bridge Bancorp Inc. Bridgehampton N.Y. 53.43 56.05 19,174 19,344 -0.9 3,833,645
72 People's Utah Bancorp American Fork Utah 53.54 56.73 11,932 11,445 4.3 1,653,857
73 USAmeriBancorp Inc. Clearwater Fla. 53.55 51.54 19,291 17,578 9.7 4,040,129
74 Washington Trust Bancorp Inc. Westerly R.I. 53.71 59.80 24,656 24,503 0.6 4,205,058
75 First Internet Bancorp Fishers Ind. 53.72 60.73 8,380 6,318 32.6 1,824,196
76 Bank of Marin Bancorp Novato Calif. 53.88 61.15 11,910 11,638 2.3 2,054,821
77 Heartland Bancorp Inc. Bloomington Ill. 53.90 53.83 20,384 17,651 15.5 2,979,735
78 Investors Bancorp Inc. Short Hills N.J. 53.93 52.61 91,278 85,828 6.3 22,548,347
79 Hills Bancorp. Hills Iowa 54.05 53.59 14,571 13,629 6.9 2,595,606
80 BNC Bancorp High Point N.C. 54.08 64.90 37,364 37,416 -0.1 6,801,561
81 U.S. Bancorp Minneapolis Minn. 54.13 53.65 2,964,000 2,806,000 5.6 454,134,000
  Meridian Bancorp Inc. Peabody Mass. 54.13 60.70 19,543 18,319 6.7 4,173,426
83 Santander Holdings USA Inc. Boston Mass. 54.14 42.93 1,574,297 1,087,701 44.7 139,230,888
84 Heritage Commerce Corp. San Jose Calif. 54.20 73.25 14,295 16,415 -12.9 2,527,962
85 OFG Bancorp San Juan Puerto Rico 54.27 82.68 53,069 64,544 -17.8 6,592,113
86 Hometown Financial Group MHC Easthampton Mass. 54.28 67.58 10,042 8,318 20.7 1,953,106
87 Camden National Corp. Camden Maine 54.29 60.85 22,141 16,813 31.7 3,903,966
88 Apple Financial Holdings Inc. New York N.Y. 54.44 62.86 34,514 30,677 12.5 12,874,658
89 German American Bancorp Inc. Jasper Ind. 54.56 60.94 18,653 16,966 9.9 2,980,147
90 Westamerica Bancorp. San Rafael Calif. 54.64 51.98 27,446 26,874 2.1 5,310,042
91 East West Bancorp Inc. Pasadena Calif. 54.66 51.68 165,599 144,931 14.3 33,269,938
92 Discount Bancorp Inc. New York N.Y. 54.76 60.61 36,835 35,992 2.3 9,361,258
93 First Citizens Financial Corp. Mason City Iowa 54.89 56.93 6,326 6,158 2.7 1,256,703
94 F.N.B. Corp. Pittsburgh Pa. 55.04 56.94 120,919 97,344 24.2 21,583,914
95 BSB Bancorp Inc. Belmont Mass. 55.15 64.24 7,067 6,754 4.6 2,073,835
96 Territorial Bancorp Inc. Honolulu Hawaii 55.17 60.25 8,618 9,341 -7.7 1,848,705
97 Central Bancompany Inc. Jefferson City Mo. 55.21 60.33 81,549 79,023 3.2 12,402,517
98 Crews Banking Corp. Wauchula Fla. 55.25 58.65 9,024 8,837 2.1 1,376,261
99 M&T Bank Corp. Buffalo N.Y. 55.34 56.46 735,150 638,156 15.2 126,841,028
100 Paragon Commercial Corp. Raleigh N.C. 55.38 55.74 6,778 6,181 9.7 1,480,518
101 Pinnacle Bancorp Inc. Omaha Neb. 55.45 54.66 57,046 50,736 12.4 9,596,305
102 Summit Financial Group Inc. Moorefield W.Va. 55.48 58.53 8,454 7,790 8.5 1,657,636
103 Fifth Third Bancorp Cincinnati Ohio 55.50 58.30 970,968 941,506 3.1 143,278,886
104 First Merchants Corp. Muncie Ind. 55.51 61.36 43,365 42,324 2.5 7,022,904
105 1867 Western Financial Corp. Stockton Calif. 55.54 45.50 16,452 14,204 15.8 2,764,463
106 Veritex Holdings Inc. Dallas Texas 55.68 NA 7,030 NA NA 1,269,094
107 Bank of America Corp. Charlotte N.C. 55.79 66.50 13,705,000 13,790,000 -0.6 2,198,884,000
  Glacier Bancorp Inc. Kalispell Mont. 55.79 51.25 65,142 58,416 11.5 9,316,875
109 Provident Financial Services Inc. Iselin N.J. 56.02 55.97 45,803 43,566 5.1 9,390,000
110 FirstBank Holding Co. Lakewood Colo. 56.21 54.54 98,703 86,142 14.6 16,668,143
111 Bankwell Financial Group Inc. New Canaan Conn. 56.22 58.80 7,444 7,094 4.9 1,565,586
112 Ida Grove Bancshares Inc. Ida Grove Iowa 56.23 49.68 7,207 6,397 12.7 1,396,698
113 Pacific Premier Bancorp Inc. Irvine Calif. 56.33 54.82 25,476 17,338 46.9 3,754,831
114 Bank of Hawaii Corp. Honolulu Hawaii 56.40 65.52 87,707 93,544 -6.2 16,063,775
  Sandy Spring Bancorp Inc. Olney Md. 56.40 56.24 29,414 29,406 0.0 4,810,611
116 Stock Yards Bancorp Inc. Louisville Ky. 56.44 56.78 20,589 18,341 12.3 2,941,734
117 Parkway Bancorp Inc. Harwood Heights Ill. 56.48 59.70 10,565 9,511 11.1 2,495,726
118 First Community Bancshares Inc. Bluefield Va. 56.51 62.63 18,371 17,941 2.4 2,450,274
119 Cullen/Frost Bankers Inc. San Antonio Texas 56.58 56.55 180,301 175,526 2.7 29,639,276
  Brookline Bancorp Inc. Boston Mass. 56.58 56.44 33,369 31,132 7.2 6,397,022
  City Holding Co. Cross Lanes W.Va. 56.58 60.12 24,745 24,759 -0.1 3,865,520
  Farmers & Merchants Bancorp Lodi Calif. 56.58 53.78 16,553 13,359 24 2,727,837
123 Independence Bancshares Inc. Owensboro Ky. 56.65 50.51 11,713 9,355 25.2 1,943,976
124 Wilson Bank Holding Co. Lebanon Tenn. 56.66 57.39 14,255 13,380 6.5 2,162,285
125 Peapack-Gladstone Financial Corp. Bedminster N.J. 56.69 62.06 18,166 16,900 7.5 3,774,383
126 Longview Financial Corp. Longview Texas 56.84 58.13 14,022 13,261 5.7 2,279,389
127 TrustCo Bank Corp NY Glenville N.Y. 56.95 59.45 24,283 24,876 -2.4 4,812,572
128 First Commonwealth Financial Corp. Indiana Pa. 57.05 63.51 38,504 40,142 -4.1 6,666,483
  Peoples Financial Services Corp. Scranton Pa. 57.05 61.42 12,001 11,715 2.4 1,967,119
130 Lakeland Bancorp Inc. Oak Ridge N.J. 57.10 65.82 26,006 23,832 9.1 4,904,629
131 First Bancorp Inc. Lebanon Va. 57.25 51.86 9,890 8,497 16.4 1,565,612
132 CenterState Banks Inc. Winter Haven Fla. 57.26 64.82 36,068 31,607 14.1 5,014,512
133 CU Bancorp Los Angeles Calif. 57.37 56.83 16,781 14,935 12.4 2,893,172
  Commerce Bancshares Corp. Worcester Mass. 57.37 58.60 8,947 8,718 2.6 1,911,551
135 Southern First Bancshares Inc. Greenville S.C. 57.38 57.35 8,064 6,844 17.8 1,290,201
136 First Interstate BancSystem Inc. Billings Mont. 57.47 66.39 57,822 66,425 -13.0 8,968,918
137 Arrow Financial Corp. Glens Falls N.Y. 57.48 59.56 15,082 14,850 1.6 2,580,485
138 First Foundation Inc. Irvine Calif. 57.68 75.56 21,542 16,953 27.1 3,593,720
  First Bank Corp Fort Smith Ark. 57.68 59.74 12,165 11,993 1.4 1,676,537
140 Cadence Bancorp LLC Houston Texas 57.82 70.41 56,408 59,228 -4.8 9,444,364
141 Magnolia Banking Corp. Magnolia Ark. 57.88 51.84 8,590 7,833 9.7 1,301,009
142 BTC Financial Corp. Des Moines Iowa 57.89 64.99 23,020 25,107 -8.3 4,130,014
143 Security National Corp. Dakota Dunes S.D. 57.91 54.01 8,726 8,262 5.6 1,414,410
144 Third Federal Savings and Loan Association of Cleveland MHC Cleveland Ohio 57.97 59.62 44,098 43,056 2.4 12,906,015
145 Financial Institutions Inc. Warsaw N.Y. 57.99 60.26 20,522 19,255 6.6 3,687,365
  Valley View Bancshares Inc. Overland Park Kan. 57.99 57.71 16,361 17,019 -3.9 3,239,577
147 Charles Schwab Corp. San Francisco Calif. 58.02 62.96 1,117,000 1,012,000 10.4 209,337,000
  Hope Bancorp Inc. Los Angeles Calif. 58.02 46.80 68,831 38,494 78.8 13,510,629
149 Wells Fargo & Co. San Francisco Calif. 58.03 55.38 13,434,000 12,549,000 7.1 1,942,124,000
150 Flushing Financial Corp. Uniondale N.Y. 58.09 56.88 25,326 23,150 9.4 5,999,255
151 First Farmers Financial Corp. Converse Ind. 58.17 55.34 10,356 9,780 5.9 1,550,406
152 Hanmi Financial Corp. Los Angeles Calif. 58.18 60.45 28,568 29,022 -1.6 4,402,180
153 American Bancor, Ltd. Dickinson N.D. 58.20 57.52 12,045 12,127 -0.7 1,694,407
154 Southside Bancshares Inc. Tyler Texas 58.38 56.58 28,347 26,561 6.7 5,464,903
155 Simmons First National Corp. Pine Bluff Ark. 58.39 63.94 64,235 85,830 -25.2 8,226,992
156 Nicolet Bankshares Inc. Green Bay Wis. 58.44 66.31 19,094 9,849 93.9 2,267,490
157 Ironhorse Financial Group Inc. Muskogee Okla. 58.47 56.97 13,447 12,320 9.1 1,404,214
158 BankUnited Inc. Miami Lakes Fla. 58.58 59.90 148,039 135,501 9.3 27,265,014
159 Heritage Financial Corp. Olympia Wash. 58.61 64.26 25,809 27,824 -7.2 3,846,376
160 First Busey Corp. Champaign Ill. 58.62 60.83 40,183 27,976 43.6 5,592,241
161 Southern Missouri Bancorp Inc. Poplar Bluff Mo. 58.64 54.78 9,365 8,151 14.9 1,470,051
162 Park National Corp. Newark Ohio 58.67 60.71 46,756 47,429 -1.4 7,371,086
163 JPMorgan Chase & Co. New York N.Y. 58.68 66.94 14,723,000 15,400,000 -4.4 2,521,029,000
164 SNBNY Holdings Ltd. Gibraltar N.Y. 58.80 180.83 28,115 68,480 -58.9 7,805,670
165 International Bancshares Corp. Laredo Texas 58.89 55.09 76,437 74,509 2.6 11,937,413
166 First Financial Bancorp. Cincinnati Ohio 58.92 62.43 51,580 52,864 -2.4 8,368,481
167 Citigroup Inc. New York N.Y. 58.93 58.04 10,727,000 11,190,000 -4.1 1,818,117,000
  First Midwest Bancorp Inc. Itasca Ill. 58.93 63.76 83,153 74,192 12.1 11,578,197
169 State Bank Financial Corp. Atlanta Ga. 59.06 67.41 29,414 31,777 -7.4 3,619,443
170 Columbia Banking System Inc. Tacoma Wash. 59.14 58.90 67,573 65,792 2.7 9,586,754
  Community Bank System Inc. De Witt N.Y. 59.14 58.21 65,574 55,484 18.2 8,727,746
172 Fishback Financial Corp. Brookings S.D. 59.23 58.87 17,287 15,911 8.6 2,126,394
173 National Commerce Corp. Birmingham Ala. 59.27 66.43 12,650 9,834 28.6 1,779,278
174 Anchor Bancorp Inc. St. Paul Minn. 59.55 57.39 12,550 12,535 0.1 2,013,992
175 First Mid-Illinois Bancshares Inc. Mattoon Ill. 59.57 65.46 15,396 12,872 19.6 2,783,948
176 Independent Bank Corp. Rockland Mass. 59.74 62.01 48,495 46,904 3.4 7,502,009
177 Northfield Bancorp Inc. Woodbridge N.J. 59.76 66.73 17,389 14,871 16.9 3,784,641
178 Bremer Financial Corp. St. Paul Minn. 59.79 59.76 77,804 72,995 6.6 11,480,163
179 First Bancshares Inc. Merrillville Ind. 59.81 58.00 23,393 22,511 3.9 3,458,333
  First Texas BHC Inc. Fort Worth Texas 59.81 65.64 12,917 11,920 8.4 2,018,711
181 First York Ban Corp. York Neb. 59.88 56.67 10,468 10,152 3.1 1,471,696
182 BB&T Corp. Winston-Salem N.C. 59.92 62.56 1,723,425 1,582,762 8.9 222,622,299
  Flagstar Bancorp Inc. Troy Mich. 59.92 63.59 136,755 123,387 10.8 14,272,486
184 Mercantile Bank Corp. Grand Rapids Mich. 59.98 63.50 19,683 19,716 -0.2 3,063,964
185 Bryn Mawr Bank Corp. Bryn Mawr Pa. 59.99 63.29 25,193 25,359 -0.7 3,174,080
186 American National Corp. Omaha Neb. 60.02 59.72 20,051 18,801 6.6 3,065,021
187 Pacific Continental Corp. Eugene Ore. 60.12 55.54 13,801 11,071 24.7 2,538,451
188 Salem Five Bancorp Salem Mass. 60.13 65 23,166 21,712 6.7 4,083,080
189 Watford City Bancshares Inc. Watford City N.D. 60.18 56.91 17,130 15,663 9.4 2,229,227
190 NBT Bancorp Inc. Norwich N.Y. 60.20 59.22 59,264 55,746 6.3 8,773,024
191 Cardinal Financial Corp. McLean Va. 60.22 60.13 30,334 23,994 26.4 4,219,648
192 United Community Financial Corp. Youngstown Ohio 60.23 64.00 12,975 12,284 5.6 2,164,358
193 Ameris Bancorp Moultrie Ga. 60.24 66.68 54,726 49,904 9.7 6,493,495
194 Customers Bancorp Inc. Wyomissing Pa. 60.25 52.71 55,138 28,895 90.8 9,602,610
  American National Bankshares Inc. Danville Va. 60.25 58.67 9,779 9,553 2.4 1,615,534
196 Landrum Co. Columbia Mo. 60.30 65.26 21,248 20,430 4.0 2,585,472
197 Farmers & Merchants Investment Inc. Lincoln Neb. 60.33 70.24 30,108 27,153 10.9 3,605,132
198 South State Corp. Columbia S.C. 60.36 62.08 72,221 71,783 0.6 8,797,165
199 Home Bancorp Inc. Lafayette La. 60.39 64.83 11,184 10,585 5.7 1,549,542
200 Iberiabank Corp. Lafayette La. 60.42 66.60 138,834 145,643 -4.7 20,788,566

Only top-tier bank holding companies that file a Y-9C statement with the Fed as of Feb. 10, 2017, are included. *Noninterest expense divided by (total income minus interest expense)
Figures for prior periods are not adjusted for mergers and acquisitions.
© 2017 American Banker
Source: SNL Financial, Charlottesville, Va. (

www.snl.com
)

Banks, thrifts and holding companies