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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

December 22, 2015, 5:40 p.m. EST 1 Min Read
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Most Efficient Bank Holding Companies

Most Efficient Bank Holding CompaniesYear to date through June 30, 2015. Dollars in thousands
Published December 22, 2015
Rank   Efficiency Ratio* Noninterest Expenses 2Q 2015
Assets
2015 2014 2015 2014 Change
1 Briscoe Ranch Inc. Uvalde, Texas 23.15 15.69 $4,775 $5,534 -13.7% $1,514,334
2 Stearns Financial Services Inc. St. Cloud, Minn. 25.17 45.84 11,391 15,531 -26.7 1,921,549
3 Merchants Bancorp Carmel, Ind. 28.98 26.14 5,092 3,381 50.6 2,226,052
4 SNBNY Holdings Ltd. Gibraltar, N.Y. 30.38 94.29 15,348 33,664 -54.4 6,671,160
5 Bank of the Ozarks Inc. Little Rock, Ark. 35.22 43.29 43,724 37,879 15.4 8,710,435
6 United National Corp. Sioux Falls, S.D. 36.41 38.10 78,559 75,176 4.5 2,258,377
7 Industry Bancshares Inc. Texas 36.67 35.40 10,819 9,451 14.5 3,038,383
8 PacWest Bancorp Los Angeles 37.57 79.43 85,984 170,481 -49.6 16,699,159
9 Home BancShares Inc. Conway, Ark. 40.24 40.94 42,989 38,390 12.0 8,074,382
10 Prosperity Bancshares Inc. Houston 40.54 41.36 79,090 88,033 -10.2 21,687,419
11 ServisFirst Bancshares Inc. Birmingham, Ala. 40.77 43.39 17,900 15,287 17.1 4,492,539
12 Eagle Bancorp Inc. Bethesda, Md. 41.41 46.76 26,574 22,121 20.1 5,754,320
  First Security Bancorp Searcy, Ark. 41.41 39.97 32,490 30,098 7.9 4,966,263
14 Discover Financial Services Riverwoods, Ill. 42.13 36.79 920,607 803,678 14.5 84,911,199
15 Lakeside Bancorp Inc. Chicago 42.16 40.93 5,498 4,865 13.0 1,257,832
16 CVB Financial Corp. Ontario, Calif. 42.85 47.07 31,398 31,308 0.3 7,697,358
17 Villages Bancorp. Inc. The Villages, Fla. 42.87 41.88 5,065 5,082 -0.3 1,787,264
18 New York Community Bancorp Inc. Westbury, N.Y. 43.20 43.40 151,933 147,825 2.8 48,648,532
19 Santander Holdings USA Inc. Boston 44.07 38.30 1,184,130 997,606 18.7 126,127,126
20 NEB Corp. Fond du Lac, Wis. 44.64 37.96 9,472 7,267 30.3 1,758,465
21 ConnectOne Bancorp Inc. Englewood Cliffs, N.J. 45.28 50.37 14,973 6,744 122.0 3,657,714
22 First Financial Bankshares Inc. Abilene, Texas 46.51 50.74 35,207 35,003 0.6 6,115,236
23 East West Bancorp Inc. Pasadena, Calif. 46.79 50.08 126,532 128,768 -1.7 30,064,322
  Northern Bancorp Inc. Woburn, Mass. 46.79 45.25 6,607 5,808 13.8 1,340,481
25 Manhattan Banking Corp. Kan. 46.80 47.62 7,983 6,206 28.6 1,371,144
26 Cathay General Bancorp Los Angeles 46.85 45.52 49,746 43,351 14.8 11,918,316
  Inwood Bancshares Inc. Dallas 46.85 50.56 8,684 8,194 6.0 2,004,673
28 West Bancorp. Inc. West Des Moines, Iowa 46.89 49.03 7,443 7,299 2.0 1,654,461
29 Olney Bancshares of Texas Inc. 47.05 49.51 15,409 13,316 15.7 2,893,515
30 Hometown Banc Corp Grand Island, Neb. 47.14 48.22 5,588 5,614 -0.5 1,194,119
31 Barclays Delaware Holdings LLC Wilmington 47.23 51.68 302,350 267,183 13.2 26,353,405
32 Bank First National Corp. Manitowoc, Wis. 47.52 49.22 5,341 5,183 3.0 1,126,510
33 National Bankshares Inc. Blacksburg, Va. 47.54 45.10 6,638 6,280 5.7 1,148,271
34 Blackhawk Bancorp. Inc. Milan, Ill. 47.96 44.51 4,769 4,824 -1.1 1,152,769
35 United Bankshares Inc. Charleston, W.Va. 48.22 49.18 56,829 56,607 0.4 12,414,566
36 Customers Bancorp Inc. Wyomissing, Pa. 48.69 57.32 26,067 24,672 5.7 7,618,608
37 Lakeland Financial Corp. Warsaw, Ind. 48.81 47.40 16,737 15,826 5.8 3,573,471
38 Flushing Financial Corp. Uniondale, N.Y. 48.86 52.55 23,031 20,470 12.5 5,359,964
39 BBCN Bancorp Inc. Los Angeles 49.22 47.89 38,583 37,608 2.6 7,333,319
40 Investors Bancorp Inc. Short Hills, N.J. 49.31 75.86 79,754 110,589 -27.9 19,954,834
41 Ida Grove Bancshares Inc. Iowa 49.63 48.90 6,293 5,875 7.1 1,289,100
42 CM Florida Holdings Inc. Coral Gables, Fla. 49.97 57.78 26,084 26,574 -1.8 6,120,067
43 North American Bancshares Inc. Sherman, Texas 49.99 55.99 11,759 12,213 -3.7 2,202,963
44 Hometown Community Bancorp Inc. Morton, Ill. 50.04 52.08 13,543 13,407 1.0 2,947,395
45 Pinnacle Financial Partners Inc. Nashville, Tenn. 50.28 55.34 36,759 33,563 9.5 6,516,544
46 Amarillo National Bancorp Inc. Texas 50.37 50.82 21,769 25,159 -13.5 3,807,834
47 Cardinal Financial Corp. McLean, Va. 50.52 64.19 22,879 25,194 -9.2 3,765,274
48 Community Trust Bancorp Inc. Pikeville, Ky. 50.83 56.83 26,313 25,256 4.2 3,770,057
49 First Bancorp Inc. Damariscotta, Maine 50.91 54.69 6,976 7,300 -4.4 1,548,827
50 PrivateBancorp Inc. Chicago 50.97 41.59 81,177 72,989 11.2 16,225,895
51 Wilshire Bancorp Inc. Los Angeles 51.05 51.39 25,745 24,265 6.1 4,591,092
52 AFNB Holdings Inc. Houston 51.23 54.03 6,057 6,073 -0.3 1,110,919
53 LegacyTexas Financial Group Inc. Plano 51.24 60.19 36,964 23,346 58.3 6,671,655
54 Arbor Bancorp Inc. Ann Arbor, Mich. 51.34 55.86 6,641 6,266 6.0 1,095,529
55 Ames National Corp. Iowa 51.41 52.89 6,183 5,455 13.3 1,322,119
56 Traditional Bancorp. Inc. Mount Sterling, Ky. 51.46 51.98 6,218 6,080 2.3 1,181,033
57 International Bancshares Corp. Laredo, Texas 51.79 51.31 68,138 68,465 -0.5 12,074,129
58 U.S. Bancorp Minneapolis 52.06 52.33 2,669,000 2,764,000 -3.4 419,075,000
59 Texas Capital Bancshares Inc. Dallas 52.22 55.58 81,151 70,201 15.6 17,817,384
60 Central Community Corp. Temple, Texas 52.29 51.05 7,592 7,673 -1.1 1,435,413
61 SVB Financial Group Santa Clara, Calif. 52.43 73.50 194,111 173,446 11.9 40,244,261
62 Grandpoint Capital Inc. Los Angeles 52.58 67.39 15,522 18,421 -15.7 3,065,883
63 Heartland Bancorp Inc. Bloomington, Ill. 52.63 52.84 18,798 18,348 2.5 2,469,604
64 Hills Bancorp. Iowa 52.76 53.65 13,461 12,524 7.5 2,370,641
65 Westamerica Bancorp. San Rafael, Calif. 52.81 50.82 27,529 27,804 -1.0 5,032,110
66 American Chartered Bancorp Inc. Schaumburg, Ill. 52.97 61.56 14,860 15,173 -2.1 2,797,375
67 USAmeriBancorp Inc. Clearwater, Fla. 53.40 54.27 17,543 15,588 12.5 3,447,554
68 WestStar Bank Holding Co. Inc. El Paso, Texas 53.43 52.67 6,769 6,776 -0.1 1,090,939
69 Tompkins Financial Corp. Ithaca, N.Y. 53.57 65.09 32,918 38,927 -15.4 5,436,136
70 FCB Financial Holdings Inc. Weston, Fla. 53.66 68.69 37,370 29,168 28.1 6,607,198
71 Stockman Financial Corp. Miles City, Mont. 53.67 55.26 16,847 14,642 15.1 3,046,518
72 Pacific Premier Bancorp Inc. Irvine, Calif. 53.72 56.66 17,131 11,590 47.8 2,636,756
73 FirstBank Holding Co. Lakewood, Colo. 53.94 53.93 84,399 79,584 6.1 15,172,163
74 Western Alliance Bancorp. Phoenix 53.98 48.77 62,950 51,475 22.3 13,470,104
75 Independence Bancshares Inc. Owensboro, Ky. 54.16 55.72 9,495 8,883 6.9 1,656,580
76 First of Long Island Corp. Glen Head, N.Y. 54.23 50.91 12,040 10,093 19.3 2,828,714
77 Summit Financial Group Inc. Moorefield, W.Va. 54.36 59.99 7,799 7,513 3.8 1,479,969
78 City Holding Co. Charleston, W.Va. 54.44 56.37 22,905 25,000 -8.4 3,521,530
79 Southern Missouri Bancorp Inc. Poplar Bluff 54.46 56.55 8,092 6,405 26.3 1,300,174
80 Republic Bancorp Co. Oak Brook, Ill. 54.60 54.04 12,720 11,310 12.5 1,713,757
81 Enterprise Financial Services Corp Clayton, Mo. 54.67 61.81 19,468 20,445 -4.8 3,371,117
82 1867 Western Financial Corp. Stockton, Calif. 54.69 60.55 14,562 14,456 0.7 2,430,545
83 S&T Bancorp Inc. Indiana, Pa. 54.90 59.71 35,568 30,098 18.2 6,133,728
84 Farmers & Merchants Bancorp Lodi, Calif. 55.00 56.24 14,047 13,033 7.8 2,459,686
85 Lauritzen Corp. Omaha, Neb. 55.02 54.19 20,787 27,358 -24.0 1,065,209
86 Pulaski Financial Corp. St. Louis 55.44 64.60 10,041 9,128 10.0 1,560,886
87 German American Bancorp Inc. Jasper, Ind. 55.52 57.07 14,316 14,139 1.3 2,259,974
88 First Bancorp Inc. Lebanon, Va. 55.54 48.35 8,876 8,043 10.4 1,422,090
89 C1 Financial Inc. St. Petersburg, Fla. 55.59 68.47 11,823 10,773 9.7 1,677,805
90 Sovereign Bancshares Inc. Dallas 55.88 73.21 6,442 7,123 -9.6 1,119,096
91 Educational Services of America Inc. Farragut, Tenn. 55.90 58.81 17,366 16,850 3.1 3,696,643
92 National Penn Bancshares Inc. Allentown, Pa. 55.93 56.28 53,960 52,114 3.5 9,604,314
  Independent Bank Group Inc. McKinney, Texas 55.93 72.54 24,433 25,335 -3.6 4,373,818
94 First Citizens Financial Corp. Mason City, Iowa 55.97 64.72 6,043 6,595 -8.4 1,197,091
95 Wilson Bank Holding Co. Lebanon, Tenn. 56.00 58.71 12,481 11,729 6.4 1,930,475
96 Washington Federal Inc. Seattle 56.02 47.27 64,149 52,299 22.7 14,370,496
  OFG Bancorp San Juan, Puerto Rico 56.02 53.00 77,088 69,007 11.7 7,398,325
98 Crews Banking Corp. Wauchula, Fla. 56.39 58.45 8,447 8,786 -3.9 1,282,730
99 D.L. Evans Bancorp Burley, Idaho 56.40 67.80 8,883 7,882 12.7 1,175,443
100 Capital One Financial Corp. McLean, Va. 56.47 52.05 3,314,312 2,980,556 11.2 310,636,497
101 WesBanco Inc. Wheeling, W.Va. 56.52 58.07 46,794 40,165 16.5 8,378,501
102 Provident Financial Services Inc. Iselin, N.J. 56.55 62.69 46,067 43,623 5.6 8,751,414
103 Citigroup Inc. New York 56.57 79.67 11,351,000 15,930,000 -28.7 1,829,370,000
104 Discount Bancorp Inc. New York 56.60 64.57 35,562 34,443 3.2 9,772,832
105 Pinnacle Bancorp Inc. Central City, Neb. 56.64 59.73 52,033 47,927 8.6 8,531,399
106 First Bank Corp Fort Smith, Ark. 57.05 59.52 12,322 11,943 3.2 1,613,452
107 Brookline Bancorp Inc. Boston 57.07 61.05 30,388 31,138 -2.4 5,800,282
108 First Guaranty Bancshares Inc. Hammond, La. 57.09 63.70 7,632 7,790 -2.0 1,512,712
  Security National Corp. Dakota Dunes, S.D. 57.09 56.61 8,396 7,655 9.7 1,356,481
110 Wells Fargo & Co. San Francisco 57.11 56.15 12,586,000 12,280,000 2.5 1,720,617,000
111 Watford City Bancshares Inc. N.D. 57.23 53.84 15,388 12,206 26.1 2,060,123
112 F.N.B. Corp. Pittsburgh 57.25 58.48 96,827 92,867 4.3 16,598,601
  Bar Harbor Bankshares Maine 57.25 55.36 7,574 7,361 2.9 1,560,009
114 Washington Trust Bancorp Inc. Westerly, R.I. 57.46 58.78 24,265 22,424 8.2 3,645,289
115 First-West Texas Bancshares Inc. Midland 57.47 51.09 5,703 4,700 21.3 1,062,548
116 Pacific Continental Corp. Eugene, Ore. 57.50 58.99 11,050 9,267 19.2 1,831,200
117 Southern First Bancshares Inc. Greenville, S.C. 57.59 67.77 6,685 6,399 4.5 1,119,344
118 Cullen/Frost Bankers Inc. San Antonio 57.62 58.56 173,137 163,196 6.1 27,802,644
119 M&T Bank Corp. Buffalo, N.Y. 57.75 58.77 683,182 663,960 2.9 97,080,076
120 Midland Bancshares Inc. Texas 57.77 54.51 5,785 5,755 0.5 1,130,827
121 Magnolia Banking Corp. Ark. 57.84 50.70 8,817 5,041 74.9 1,217,615
122 Arrow Financial Corp. Glens Falls, N.Y. 57.93 58.48 14,383 13,737 4.7 2,333,371
123 Commerce Bancshares Inc. Kansas City, Mo. 58.05 59.72 170,002 164,666 3.2 23,721,613
  Camden National Corp. Maine 58.05 60.37 16,174 15,799 2.4 2,837,921
125 Hanmi Financial Corp. Los Angeles 58.12 57.92 27,019 19,528 38.4 3,970,660
126 First Farmers Financial Corp. Converse, Ind. 58.21 51.99 9,772 7,648 27.8 1,451,476
127 Bank of Hawaii Corp. Honolulu 58.26 58.11 83,998 81,286 3.3 15,336,181
128 Apple Financial Holdings Inc. New York 58.36 53.25 31,567 29,134 8.4 11,775,081
129 Stock Yards Bancorp Inc. Louisville, Ky. 58.38 57.42 18,910 18,047 4.8 2,482,759
130 Blue Hills Bancorp Inc. Norwood, Mass. 58.49 92.32 10,665 10,659 0.1 1,845,135
131 Valley View Bancshares Inc. Overland Park, Kan. 58.53 57.27 16,136 16,223 -0.5 3,187,419
132 United Financial Bancorp Inc. Glastonbury, Conn. 58.56 106.08 30,418 45,895 -33.7 5,682,475
133 Park National Corp. Newark, Ohio 58.87 63.05 44,667 48,196 -7.3 7,309,569
134 Bremer Financial Corp. St. Paul, Minn. 58.98 60.56 70,842 63,731 11.2 10,063,759
  United Community Bancorp Inc. Chatham, Ill. 58.98 57.49 11,126 11,381 -2.2 1,754,967
136 Farmers & Merchants Investment Inc. Lincoln, Neb. 59.10 79.71 26,841 28,418 -5.5 3,238,927
137 First Merchants Corp. Muncie, Ind. 59.14 63.33 45,222 39,453 14.6 6,141,002
138 CU Bancorp Los Angeles 59.47 67.05 14,912 9,698 53.8 2,470,813
139 ESB Bancorp MHC Easthampton, Mass. 59.62 64.70 6,262 6,008 4.2 1,385,716
140 First Dakota Financial Corp. Yankton, S.D. 59.71 62.38 9,366 8,064 16.1 1,158,678
141 First York Ban Corp. Neb. 59.75 59.75 9,853 9,830 0.2 1,405,752
142 Dacotah Banks Inc. Aberdeen, S.D. 59.81 63.60 14,839 14,942 -0.7 2,185,169
143 Glacier Bancorp Inc. Kalispell, Mont. 59.83 53.69 58,987 52,460 12.4 8,589,810
144 Your Community Bankshares Inc. New Albany, Ind. 59.87 66.52 10,656 6,593 61.6 1,587,328
145 1st Source Corp. South Bend, Ind. 59.91 57.66 38,373 35,234 8.9 5,015,730
146 Ironhorse Financial Group Inc. Muskogee, Okla. 59.95 56.23 12,815 10,034 27.7 1,319,306
147 First National of Nebraska Inc. Omaha 60.00 64.36 204,669 200,966 1.8 17,624,149
148 Peoples Financial Services Corp. Scranton, Pa. 60.03 69.56 11,492 12,303 -6.6 1,747,755
149 PNC Financial Services Group Inc. Pittsburgh 60.08 59.51 2,372,295 2,331,032 1.8 354,201,925
  Community Bank System Inc. DeWitt, N.Y. 60.08 58.88 55,694 54,796 1.6 7,908,771
151 People's Utah Bancorp American Fork, Utah 60.09 69.04 11,450 11,846 -3.3 1,488,859
152 BNC Bancorp High Point, N.C. 60.16 68.44 29,342 28,154 4.2 4,278,588
153 Webster Financial Corp. Waterbury, Conn. 60.18 59.48 137,685 123,492 11.5 23,644,664
154 Great Southern Bancorp Inc. Springfield, Mo. 60.20 66.73 28,518 33,856 -15.8 4,115,777
155 JPMorgan Chase & Co. New York 60.28 61.51 14,569,000 15,528,000 -6.2 2,447,994,000
  American Bancor, Ltd. Dickinson, N.D. 60.28 64.73 14,214 9,902 43.5 1,676,749
157 Broadway Bancshares Inc. San Antonio 60.29 65.84 21,447 20,957 2.3 3,285,630
158 First Financial Bancorp. Cincinnati 60.30 65.32 48,501 46,599 4.1 7,383,372
159 Starion Bancorp. Bismarck, N.D. 60.33 57.07 7,587 6,515 16.5 1,202,335
160 Southside Bancshares Inc. Tyler, Texas 60.38 53.83 28,072 20,416 37.5 4,856,018
161 Guaranty Bancorp Denver 60.41 66.74 14,806 14,715 0.6 2,269,536
162 Citizens & Northern Corp. Wellsboro, Pa. 60.48 55.64 8,948 8,359 7.0 1,255,722
163 BankUnited Inc. Miami Lakes, Fla. 60.55 55.23 126,255 102,559 23.1 21,401,793
164 United Community Banks Inc. Blairsville, Ga. 60.62 64.68 47,861 45,211 5.9 8,257,015
165 Meridian Bancorp Inc. Peabody, Mass. 60.66 66.66 17,533 16,457 6.5 3,302,542
166 Paragon Commercial Corp. Raleigh, N.C. 60.71 42.86 6,396 5,464 17.1 1,313,254
167 First Mid-Illinois Bancshares Inc. Mattoon 60.75 62.92 11,284 11,299 -0.1 1,634,120
168 American National Corp. Omaha, Neb. 60.78 57.76 18,733 17,781 5.4 2,827,196
169 Central Bancompany Inc. Jefferson City, Mo. 60.97 60.95 79,663 75,011 6.2 11,674,358
170 Adam Bank Group Inc. College Station, Texas 60.98 67.78 7,830 8,436 -7.2 1,100,287
171 Commerce Bancshares Corp. Worcester, Mass. 60.99 58.72 8,901 8,701 2.3 1,891,912
172 Peapack-Gladstone Financial Corp. Bedminster, N.J. 61.00 67.36 16,265 14,932 8.9 3,118,170
173 Longview Financial Corp. Texas 61.10 60.00 12,846 12,357 4.0 1,973,486
174 South State Corp. Columbia, S.C. 61.14 69.33 70,607 75,298 -6.2 8,092,106
175 LCNB Corp. Lebanon, Ohio 61.23 64.20 8,424 7,553 11.5 1,249,362
176 First Bancshares Inc. Merrillville, Ind. 61.40 56.77 21,292 17,382 22.5 2,864,378
177 Bank of Highland Park Financial Corp. Ill. 61.43 60.71 4,744 4,658 1.8 1,286,462
178 CBX Corp. Carrollton, Ill. 61.54 63.19 6,072 5,947 2.1 1,186,907
179 Atlantic Capital Bancshares Inc. Atlanta 61.56 71.48 7,814 6,461 20.9 1,373,297
180 Parkway Bancorp Inc. Harwood Heights, Ill. 61.89 57.85 9,111 9,318 -2.2 2,236,355
  Heritage Commerce Corp San Jose, Calif. 61.89 67.27 12,599 10,769 17.0 1,680,206
182 Financial Institutions Inc. Warsaw, N.Y. 61.93 60.13 19,169 17,745 8.0 3,359,459
183 Middlesex Bancorp MHC Natick, Mass. 61.94 60.20 19,848 18,988 4.5 4,187,563
184 CrossFirst Holdings LLC Leawood, Kan. 62.02 68.56 7,156 5,478 30.6 1,422,615
185 First Busey Corp. Champaign, Ill. 62.10 64.41 28,483 26,892 5.9 3,885,274
  CBFH Inc. Beaumont, Texas 62.10 64.08 18,036 17,185 5.0 2,838,938
187 Bank of America Corp. Charlotte, N.C. 62.11 84.87 14,165,000 18,663,000 -24.1 2,152,082,000
188 Bank of Marin Bancorp Novato, Calif. 62.27 54.84 12,319 11,457 7.5 1,870,762
189 Lakeland Bancorp Inc. Oak Ridge, N.J. 62.35 58.75 21,195 19,529 8.5 3,700,286
190 CenterState Banks Inc. Davenport, Fla. 62.36 93.60 32,165 34,887 -7.8 3,873,209
191 NBT Bancorp Inc. Norwich, N.Y. 62.48 56.28 59,334 62,977 -5.8 8,072,485
192 FirstMerit Corp. Akron, Ohio 62.51 60.49 162,585 167,821 -3.1 25,301,876
  First Interstate BancSystem Inc. Billings, Mont. 62.51 63.67 62,540 56,083 11.5 8,382,560
194 Huntington Bancshares Inc. Columbus, Ohio 62.68 62.52 493,951 459,140 7.6 68,845,648
195 First Commonwealth Financial Corp. Indiana, Pa. 62.73 66.40 38,953 41,641 -6.5 6,316,728
196 First Midwest Bancorp Inc. Itasca, Ill. 62.74 66.94 72,693 64,440 12.8 9,863,027
  Heritage Oaks Bancorp Paso Robles, Calif. 62.74 71.79 11,429 12,986 -12.0 1,828,379
198 CNB Financial Corp. Clearfield, Pa. 62.79 55.82 14,128 12,609 12.0 2,253,804
199 Penns Woods Bancorp Inc. Williamsport, Pa. 62.87 63.48 8,421 8,422 0.0 1,291,812
200 Codorus Valley Bancorp Inc. York, Pa. 62.95 63.64 8,994 7,949 13.1 1,372,770


Note: Only top-tier holding companies that file a Y-9C statement with the Fed as of Nov. 16, 2015, are included. Excludes thrift holding companies. *Noninterest expense divided by (total income minus interest expense). Figures for prior periods are not adjusted for mergers and acquisitions.

Source:

SNL Financial
, Charlottesville, Va.
© 2015 American Banker

Banks, thrifts and holding companies