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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

May 02, 2016, 5:43 p.m. EDT 1 Min Read
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Most Efficient Bank Holding Companies

Most Efficient Bank Holding CompaniesYear to date through Dec. 31, 2015. Dollars in thousands
Published May 2, 2016
Rank   Efficiency Ratio* Noninterest Expenses 4Q 2015
Assets
2015 2014 2015 2014 Change
1 Briscoe Ranch Inc. Uvalde, Texas 21.35 15.20 $20,347 $18,150 -12.1 $1,635,703
2 Merchants Bancorp Carmel, Ind. 30.29 28.05 20,922 14,799 -41.4 2,271,864
3 Stearns Financial Services Inc. St. Cloud, Minn. 31.34 46.84 53,642 60,972 12.0 1,975,914
4 Clayton HC Inc. Knoxville, Tenn. 35.25 40.26 22,973 23,502 2.3 1,117,822
5 United National Corp. Sioux Falls, S.D. 35.45 36.88 319,756 299,906 -6.6 2,402,422
6 Industry Bancshares Inc. Texas 35.80 36.93 43,534 39,788 -9.4 3,362,317
7 Bank of the Ozarks Inc. Little Rock, Ark. 37.52 44.00 190,982 166,015 -15.0 9,879,459
8 Prosperity Bancshares Inc. Houston 40.18 40.06 310,861 327,331 5.0 22,039,116
9 Home BancShares Inc. Conway, Ark. 40.30 42.54 176,497 161,051 -9.6 9,289,122
10 First Security Bancorp Searcy, Ark. 40.83 39.84 131,224 123,843 -6.0 5,050,124
11 Lauritzen Corp. Omaha, Neb. 40.92 49.19 61,471 79,584 22.8 1,119,622
12 PacWest Bancorp Beverly Hills, Calif. 40.95 55.34 385,360 405,193 4.9 21,288,975
13 Discover Financial Services Riverwoods, Ill. 41.16 39.12 3,596,016 3,360,242 -7.0 86,936,159
14 ServisFirst Bancshares Inc. Birmingham, Ala. 41.54 39.69 73,835 56,759 -30.1 5,095,509
15 Eagle Bancorp Inc. Bethesda, Md. 42.03 49.58 110,547 99,144 -11.5 6,077,024
16 ConnectOne Bancorp Inc. Englewood Cliffs, N.J. 42.20 62.78 54,484 54,771 0.5 4,016,143
17 Villages Bancorp. Inc. The Villages, Fla. 42.38 45.20 20,586 20,459 -0.6 1,870,301
18 Lakeside Bancorp Inc. Chicago 43.56 39.87 21,900 19,464 -12.5 1,220,718
19 Manhattan Banking Corp. Kan. 44.94 45.95 31,547 24,783 -27.3 1,503,189
20 Northern Bancorp Inc. Woburn, Mass. 45.04 44.58 26,422 22,676 -16.5 1,408,534
21 NEB Corp. Fond du Lac, Wis. 45.42 47.17 37,138 34,234 -8.5 1,866,774
22 Santander Holdings USA Inc. Boston 45.60 32.36 8,913,494 3,815,491 -133.6 127,633,001
23 Barclays Delaware Holdings LLC Wilmington 45.82 49.77 1,298,705 1,088,914 -19.3 27,998,160
24 West Bancorp. Inc. West Des Moines, Iowa 46.32 50.66 30,068 30,213 0.5 1,748,640
25 Central Community Corp. Temple, Texas 46.63 62.40 31,635 35,700 11.4 1,433,726
26 Western Alliance Bancorp. Phoenix 47.00 48.24 263,579 213,530 -23.4 14,275,089
27 Blackhawk Bancorp. Inc. Milan, Ill. 47.10 45.99 19,569 19,282 -1.5 1,208,858
28 National Bankshares Inc. Blacksburg, Va. 47.14 45.85 25,011 25,359 1.4 1,199,739
29 First Financial Bankshares Inc. Abilene, Texas 47.50 49.14 149,465 137,926 -8.4 6,665,070
30 CVB Financial Corp. Ontario, Calif. 47.57 44.53 140,337 125,995 -11.4 7,671,200
31 Great Western Bancorp Inc. Sioux Falls, S.D. 47.99 NA 183,478 NA N/A 9,957,215
32 Olney Bancshares of Texas Inc. 48.31 48.46 62,069 52,636 -17.9 2,906,077
33 BBCN Bancorp Inc. Los Angeles 48.53 48.11 155,696 150,060 -3.8 7,912,648
34 Inwood Bancshares Inc. Dallas 48.70 51.57 36,783 34,497 -6.6 2,203,045
35 Cathay General Bancorp Los Angeles 48.81 46.70 204,421 178,257 -14.7 13,254,126
36 Lakeland Financial Corp. Warsaw, Ind. 48.92 49.15 68,206 66,150 -3.1 3,767,458
37 United Bankshares Inc. Charleston, W.Va. 48.97 49.95 229,762 233,794 1.7 12,577,944
38 East West Bancorp Inc. Pasadena, Calif. 49.14 54.41 547,052 566,556 3.4 32,351,172
39 Bank First National Corp. Manitowoc, Wis. 49.40 50.11 22,304 21,772 -2.4 1,237,675
40 Ames National Corp. Iowa 49.99 48.52 24,978 22,852 -9.3 1,326,534
41 Amarillo National Bancorp Inc. Texas 50.26 49.02 85,839 86,478 0.7 3,838,126
42 Ida Grove Bancshares Inc. Iowa 50.31 48.68 25,208 23,576 -6.9 1,330,399
43 Wilshire Bancorp Inc. Los Angeles 50.57 51.39 100,928 96,989 -4.1 4,713,463
44 Washington Federal Inc. Seattle 50.65 47.78 240,956 214,389 -12.4 14,684,899
45 PrivateBancorp Inc. Chicago 50.75 53.16 329,321 304,884 -8.0 17,259,421
46 Customers Bancorp Inc. Wyomissing, Pa. 50.79 56.48 113,104 97,784 -15.7 8,401,313
47 City Holding Co. Charleston, W.Va. 51.01 53.65 92,494 95,127 2.8 3,713,127
48 Investors Bancorp Inc. Short Hills, N.J. 51.22 57.69 328,012 339,514 3.4 20,898,693
49 Hometown Community Bancorp Inc. Morton, Ill. 51.30 52.54 53,938 53,903 -0.1 3,062,072
50 North American Bancshares Inc. Sherman, Texas 51.50 54.48 48,756 48,373 -0.8 2,349,444
  Hometown Banc Corp Grand Island, Neb. 51.50 49.50 24,055 22,513 -6.8 1,270,533
52 Stockman Financial Corp. Miles City, Mont. 51.55 53.24 64,881 59,705 -8.7 3,212,859
53 Pinnacle Financial Partners Inc. Nashville, Tenn. 51.71 54.21 170,753 135,051 -26.4 8,715,414
54 First of Long Island Corp. Glen Head, N.Y. 51.84 51.81 46,683 42,023 -11.1 3,130,343
55 Traditional Bancorp. Inc. Mount Sterling, Ky. 52.17 51.86 25,244 24,472 -3.2 1,234,897
56 Independence Bancshares Inc. Owensboro, Ky. 52.23 52.81 38,047 34,457 -10.4 1,825,830
57 Ambank Co. Inc. Sioux Center, Iowa 52.31 52.30 24,305 21,579 -12.6 1,124,694
58 Westamerica Bancorp. San Rafael, Calif. 52.38 51.23 108,013 110,636 2.4 5,172,723
59 International Bancshares Corp. Laredo, Texas 52.42 51.87 275,884 280,739 1.7 11,772,869
60 USAmeriBancorp Inc. Clearwater, Fla. 52.56 57.49 70,232 64,958 -8.1 3,632,449
61 SVB Financial Group Santa Clara, Calif. 52.60 49.49 778,015 716,871 -8.5 44,698,667
62 LegacyTexas Financial Group Inc. Plano 52.68 63.07 152,140 98,068 -55.1 7,693,255
63 Grandpoint Capital Inc. Los Angeles 52.72 66.32 62,844 70,992 11.5 3,196,988
64 1867 Western Financial Corp. Stockton, Calif. 53.17 63.31 58,799 62,573 6.0 2,615,778
65 U.S. Bancorp Minneapolis 53.52 52.41 11,047,000 10,764,000 -2.6 421,853,000
66 Parkway Bancorp Inc. Harwood Heights, Ill. 53.69 61.01 37,170 37,343 0.5 2,305,148
67 Capital One Financial Corp. McLean, Va. 53.76 52.33 13,021,790 12,183,320 -6.9 334,179,916
68 American Chartered Bancorp Inc. Schaumburg, Ill. 53.79 61.70 61,242 60,661 -1.0 2,828,114
69 WestStar Bank Holding Co. Inc. El Paso, Texas 53.83 53.74 27,838 27,657 -0.7 1,137,680
70 Texas Capital Bancshares Inc. Dallas 54.09 55.03 327,485 286,649 -14.2 18,909,174
71 First Bancorp Inc. Lebanon, Va. 54.25 52.18 35,106 32,642 -7.5 1,505,736
72 First Bancorp Inc. Damariscotta, Maine 54.39 56.41 29,892 30,188 1.0 1,559,660
73 Southern Missouri Bancorp Inc. Poplar Bluff, Mo. 54.50 57.88 32,670 29,455 -10.9 1,337,835
74 Community Trust Bancorp Inc. Pikeville, Ky. 54.55 59.00 105,443 105,999 0.5 3,903,934
75 Arbor Bancorp Inc. Ann Arbor, Mich. 54.91 58.78 29,341 27,189 -7.9 1,225,111
76 Hills Bancorp. Iowa 54.97 55.24 55,270 51,697 -6.9 2,493,607
77 Farmers & Merchants Bancorp Lodi, Calif. 55.08 54.13 57,045 51,387 -11.0 2,615,653
  Choice Financial Holdings Inc. Fargo, N.D. 55.08 50.92 28,711 22,908 -25.3 1,117,034
79 S&T Bancorp Inc. Indiana, Pa. 55.10 58.07 136,626 117,028 -16.7 6,318,354
80 FirstBank Holding Co. Lakewood, Colo. 55.22 54.19 346,372 319,550 -8.4 15,553,681
81 Glacier Bancorp Inc. Kalispell, Mont. 55.46 54.01 234,157 210,165 -11.4 9,091,045
82 AFNB Holdings Inc. Houston 55.75 59.49 27,616 27,065 -2.0 1,166,546
83 Summit Financial Group Inc. Moorefield, W.Va. 55.85 60.63 31,243 30,726 -1.7 1,492,429
84 Magnolia Banking Corp. Ark. 55.86 51.46 33,435 22,136 -51.0 1,286,163
85 Security National Corp. Dakota Dunes, S.D. 56.12 58.12 33,355 31,649 -5.4 1,359,566
86 Pinnacle Bancorp Inc. Omaha, Neb. 56.18 57.05 205,650 188,674 -9.0 9,337,686
87 Cardinal Financial Corp. McLean, Va. 56.25 64.88 96,298 96,228 -0.1 4,029,921
88 Discount Bancorp Inc. New York 56.36 57.34 140,678 141,111 0.3 9,321,896
89 Flushing Financial Corp. Uniondale, N.Y. 56.51 58.00 95,491 89,895 -6.2 5,704,634
  Heartland Bancorp Inc. Bloomington, Ill. 56.51 58.07 76,859 78,935 2.6 2,993,255
91 American National Bankshares Inc. Danville, Va. 56.59 61.38 40,642 34,556 -17.6 1,547,598
92 Cullen/Frost Bankers Inc. San Antonio 56.72 57.67 693,142 653,194 -6.1 28,603,199
93 Brookline Bancorp Inc. Boston 56.76 60.69 124,956 128,887 3.0 6,060,940
  Stock Yards Bancorp Inc. Louisville, Ky. 56.76 59.32 73,765 74,709 1.3 2,817,727
95 First Citizens Financial Corp. Mason City, Iowa 56.77 63.65 24,566 25,546 3.8 1,180,450
96 Franklin Financial Network Inc. Tenn. 56.81 65.90 42,141 31,510 -33.7 2,167,275
  Bar Harbor Bankshares Maine 56.81 54.71 30,958 28,843 -7.3 1,580,055
98 Enterprise Financial Services Corp Clayton, Mo. 56.84 63.54 82,296 87,463 5.9 3,608,483
99 Provident Financial Services Inc. Iselin, N.J. 56.85 58.63 180,411 169,813 -6.2 8,911,657
100 Wells Fargo & Co. San Francisco 56.95 57.01 50,598,000 49,747,000 -1.7 1,787,632,000
101 Citizens Financial Services Inc. Mansfield, Pa. 57.09 50.58 23,043 20,183 -14.2 1,162,984
102 F.N.B. Corp. Pittsburgh 57.11 59.64 388,102 379,439 -2.3 17,557,662
103 German American Bancorp Inc. Jasper, Ind. 57.22 56.77 61,326 57,713 -6.3 2,374,044
104 First Bank Corp. Fort Smith, Ark. 57.39 58.24 47,609 47,705 0.2 1,630,893
105 First-West Texas Bancshares Inc. Midland 57.47 51.51 22,531 19,812 -13.7 1,173,584
106 First Guaranty Bancshares Inc. Hammond, La. 57.59 62.08 30,676 30,947 0.9 1,459,752
107 Fifth Third Bancorp Cincinnati 57.64 61.19 3,773,337 3,705,488 -1.8 141,082,059
108 Wilson Bank Holding Co. Lebanon, Tenn. 57.68 58.58 52,105 47,698 -9.2 2,009,632
109 Citigroup Inc. New York 57.87 71.21 45,558,000 56,753,000 19.7 1,731,210,000
110 CU Bancorp Los Angeles 58.04 70.47 59,831 43,385 -37.9 2,634,642
111 First Farmers Financial Corp. Converse, Ind. 58.05 54.65 38,498 31,724 -21.4 1,479,644
112 Arrow Financial Corp. Glens Falls, N.Y. 58.09 57.21 57,430 54,028 -6.3 2,446,188
113 Washington Trust Bancorp Inc. Westerly, R.I. 58.16 59.76 96,825 96,888 0.1 3,772,688
114 Valley View Bancshares Inc. Overland Park, Kan. 58.30 59.92 65,708 66,639 1.4 3,194,727
115 Bank Leumi Le-Israel Corp. New York 58.38 111.71 167,126 207,235 19.4 6,073,477
116 Paragon Commercial Corp. Raleigh, N.C. 58.69 62.76 24,758 21,911 -13.0 1,307,120
117 Watford City Bancshares Inc. N.D. 59.00 54.61 63,204 51,239 -23.4 2,137,290
  Crews Banking Corp. Wauchula, Fla. 59.00 61.13 35,530 36,184 1.8 1,304,476
119 Independent Bank Group Inc. McKinney, Texas 59.01 63.48 103,176 88,498 -16.6 5,055,027
120 Sandy Spring Bancorp Inc. Olney, Md. 59.04 65.69 115,057 120,688 4.7 4,655,380
121 M&T Bank Corp. Buffalo, N.Y. 59.09 59.84 2,764,600 2,671,830 -3.5 122,787,884
122 United Community Bancorp Inc. Chatham, Ill. 59.19 60.94 45,918 45,596 -0.7 1,787,977
123 Southside Bancshares Inc. Tyler, Texas 59.39 67.39 111,945 97,545 -14.8 5,162,076
124 First Bancshares Inc. Merrillville, Ind. 59.43 59.35 84,598 73,914 -14.5 3,130,772
125 WesBanco Inc. Wheeling, W.Va. 59.45 59.17 193,469 160,759 -20.3 8,475,363
126 People's Utah Bancorp American Fork 59.47 63.64 46,682 45,102 -3.5 1,555,982
127 BankUnited Inc. Miami Lakes, Fla. 59.56 55.39 521,036 429,120 -21.4 23,883,467
128 Commerce Bancshares Corp. Worcester, Mass. 59.62 60.09 35,557 34,546 -2.9 2,014,295
129 Longview Financial Corp. Texas 59.66 60.26 52,434 49,464 -6.0 2,205,257
130 Southern First Bancshares Inc. Greenville, S.C. 59.83 64.22 27,468 24,560 -11.8 1,217,507
131 Pacific Premier Bancorp Inc. Irvine, Calif. 59.90 63.13 73,362 54,865 -33.7 2,790,646
132 Webster Financial Corp. Waterbury, Conn. 59.97 59.78 554,772 504,954 -9.9 24,696,316
133 Bank of Marin Bancorp Novato, Calif. 60.01 57.39 46,949 47,263 0.7 2,031,134
  Ironhorse Financial Group Inc. Muskogee, Okla. 60.01 57.20 49,255 41,363 -19.1 1,328,435
135 Post Oak Bancshares Inc. Houston 60.22 61.47 23,256 21,143 -10.0 1,092,565
136 Pacific Continental Corp. Eugene, Ore. 60.31 60.12 45,744 37,646 -21.5 1,909,516
137 Green Bancorp Inc. Houston 60.42 67.29 67,097 53,331 -25.8 3,786,343
138 Apple Financial Holdings Inc. New York 60.44 54.55 123,641 119,009 -3.9 12,795,071
139 American Bancor Ltd. Dickinson, N.D. 60.47 62.51 50,257 39,082 -28.6 1,662,106
140 Hanmi Financial Corp. Los Angeles 60.50 60.61 114,518 99,368 -15.2 4,234,521
141 Yadkin Financial Corp. Raleigh, N.C. 60.54 77.89 127,396 118,774 -7.3 4,474,627
142 Bremer Financial Corp. St. Paul, Minn. 60.65 62.18 294,786 265,645 -11.0 10,723,184
143 PNC Financial Services Group Inc. Pittsburgh 60.76 60.20 9,445,245 9,490,146 0.5 358,690,085
144 Commerce Bancshares Inc. Kansas City, Mo. 60.77 59.59 684,798 662,250 -3.4 24,625,092
145 Tompkins Financial Corp. Ithaca, N.Y. 60.82 64.20 149,862 154,693 3.1 5,689,995
146 Republic Bancorp Co. Oak Brook, Ill. 60.91 62.17 47,832 44,618 -7.2 1,744,591
147 Guaranty Bancorp Denver 60.92 72.49 60,108 65,281 7.9 2,368,525
148 Starion Bancorp. Bismarck, N.D. 60.96 60.54 29,622 27,033 -9.6 1,200,511
149 Park National Corp. Newark, Ohio 60.99 64.52 186,614 195,234 4.4 7,311,354
150 Citizens & Northern Corp. Wellsboro, Pa. 61.04 57.63 35,617 34,293 -3.9 1,223,417
151 First York Ban Corp. Neb. 61.06 59.13 40,009 37,969 -5.4 1,448,789
152 Fishback Financial Corp. Brookings, S.D. 61.08 60.79 62,495 59,238 -5.5 2,048,735
153 Bank of Hawaii Corp. Honolulu 61.12 58.13 353,751 327,863 -7.9 15,501,362
154 Great Southern Bancorp Inc. Springfield, Mo. 61.15 64.82 114,754 118,695 3.3 4,101,474
155 Community Bank System Inc. DeWitt, N.Y. 61.19 60.52 231,594 224,979 -2.9 8,552,669
156 MidWestOne Financial Group Inc. Iowa City, Iowa 61.20 59.06 73,702 43,937 -67.7 2,979,975
157 Financial Institutions Inc. Warsaw, N.Y. 61.21 59.73 79,117 72,108 -9.7 3,381,024
158 Peoples Financial Services Corp. Scranton, Pa. 61.22 59.75 46,715 45,804 -2.0 1,819,058
159 First Financial Bancorp. Cincinnati 61.26 65.61 199,495 195,348 -2.1 8,147,411
160 American National Corp. Omaha, Neb. 61.28 57.64 74,949 71,077 -5.4 2,962,197
161 CBFH Inc. Beaumont, Texas 61.30 62.02 71,340 66,360 -7.5 2,883,546
162 Chemical Financial Corp. Midland, Mich. 61.31 63.78 228,704 184,545 -23.9 9,188,797
163 First Mid-Illinois Bancshares Inc. Mattoon 61.33 62.23 49,306 44,641 -10.5 2,114,499
164 Plains Bancorp Inc. Dimmitt, Texas 61.34 58.33 28,906 27,371 -5.6 1,158,793
165 BCI Financial Group Inc. Miami 61.44 55.47 28,277 103,795 72.8 6,490,200
166 Columbia Banking System Inc. Tacoma, Wash. 61.49 64.90 274,449 266,150 -3.1 8,951,697
167 FirstMerit Corp. Akron, Ohio 61.50 61.19 643,528 673,650 4.5 25,537,212
168 Southeastern Bank Financial Corp. Augusta, Ga. 61.63 60.34 46,143 43,260 -6.7 1,840,985
169 CNB Financial Corp. Clearfield, Pa. 61.70 57.60 56,457 52,688 -7.2 2,285,177
170 Central Bancompany Inc. Jefferson City, Mo. 61.82 61.30 319,110 298,626 -6.9 12,041,047
171 First BanCorp. San Juan, Puerto Rico 61.90 62.99 394,996 384,183 -2.8 12,573,019
172 Premier Financial Bancorp Inc. Huntington, W.Va. 61.96 61.05 34,745 35,162 1.2 1,244,693
173 NBT Bancorp Inc. Norwich, N.Y. 62.04 63.33 233,682 246,895 5.4 8,262,646
174 RCB Holding Co. Inc. Claremore, Okla. 62.06 61.75 64,389 60,792 -5.9 2,494,884
175 First Internet Bancorp Fishers, Ind. 62.08 78.74 25,933 23,381 -10.9 1,269,870
176 Allegiance Bancshares Inc. Houston 62.10 67.16 55,383 33,448 -65.6 2,084,816
177 Sovereign Bancshares Inc. Dallas 62.11 85.94 26,788 32,599 17.8 1,112,583
178 Meridian Bancorp Inc. Peabody, Mass. 62.13 66.75 73,432 67,945 -8.1 3,524,708
179 First Business Financial Services Inc. Madison, Wis. 62.14 59.83 48,025 34,559 -39.0 1,783,636
180 South State Corp. Columbia, S.C. 62.17 69.06 286,049 297,731 3.9 8,565,099
181 Dacotah Banks Inc. Aberdeen, S.D. 62.18 63.62 61,817 60,571 -2.1 2,235,201
182 Vision Bancshares Inc. Laredo, Texas 62.25 67.58 24,776 25,738 3.7 1,284,929
183 CBX Corp. Carrollton, Ill. 62.30 61.99 24,698 23,432 -5.4 1,237,792
184 Popular Inc. Hato Rey, Puerto Rico 62.35 81.31 1,253,000 1,466,000 14.5 35,769,000
185 Broadway Bancshares Inc. San Antonio 62.39 65.02 89,006 84,310 -5.6 3,263,535
  Austin BanCorp Inc. Jacksonville, Texas 62.39 59.17 52,228 48,536 -7.6 1,572,525
187 First National of Nebraska Inc. Omaha 62.42 61.41 848,068 776,102 -9.3 18,346,653
188 First Merchants Corp. Muncie, Ind. 62.44 63.98 173,418 163,892 -5.8 6,762,726
189 JPMorgan Chase & Co. New York 62.46 62.97 59,285,000 61,341,000 3.4 2,351,698,000
190 Lakeland Bancorp Inc. Oak Ridge, N.J. 62.71 59.48 87,211 79,135 -10.2 3,869,722
191 First Busey Corp. Champaign, Ill. 62.87 65.15 115,427 108,371 -6.5 3,998,976
192 Bankwell Financial Group Inc. New Canaan, Conn. 62.88 74.31 28,964 25,706 -12.7 1,330,371
193 United Financial Bancorp Inc. Glastonbury, Conn. 62.90 91.85 130,041 146,891 11.5 6,261,832
  Triumph Bancorp Inc. Dallas 62.90 62.95 81,863 69,202 -18.3 1,691,313
195 First Interstate BancSystem Inc. Billings, Mont. 62.95 64.56 249,457 238,132 -4.8 8,723,214
196 Penns Woods Bancorp Inc. Williamsport, Pa. 62.96 62.29 33,736 33,890 0.5 1,320,057
197 BNC Bancorp High Point, N.C. 63.05 65.57 134,284 112,166 -19.7 5,668,183
  LCNB Corp. Lebanon, Ohio 63.05 65.90 32,015 30,887 -3.7 1,280,531
199 First Fidelity Bancorp Inc. Oklahoma City 63.06 60.56 42,007 43,128 2.6 1,391,909
200 BB&T Corp. Winston-Salem, N.C. 63.09 62.30 6,248,703 5,881,347 -6.2 209,947,022


Note: Only top-tier holding companies that file a Y-9C statement with the Fed as of April 29, 2016, 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.
© 2016 American Banker

Banks, thrifts and holding companies