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The top 200 publicly traded community banks

By   Jim Dobbs
About Jim
DobbsAB
jim.dobbs@sourcemedia.com
May 17, 2022, 9:00 p.m. EDT 1 Min Read

The 200 top-performing publicly traded banks with less than $2 billion of assets, a list published annually by American Banker, is led by companies with strong profitability metrics, minimal credit losses and ample levels of low-cost deposits.

The median return on average equity (ROAE) for the 200 banks in 2021 was 13.40%, according to data compiled by Capital Performance Group. That far exceed the median for all 438 U.S. banks and thrifts in this peer group — 10.64%. ROAE is a key measure used to determine the rankings. (See the methodology here.)

Oregon Bancorp, the holding company for Willamette Valley Bank, posted an ROAE of 32.84% in 2021, helping the $407 million-asset bank secure the No. 1 ranking for the fourth year in a row.

Community banking
Top-performing U.S. community bank shows value of revenue diversification

Perennial No. 1 Oregon Bancorp, which operates as Willamette Valley Bank, boasts strong sources of fee and interest income, sound underwriting and vibrant geographic markets. It’s a formula shared by many on American Banker's list of the 200 highest-performing publicly traded small banks.

The median return on average assets (ROAA) for the top 200 was 1.19%, compared with 0.98% for the larger group.

The median net interest margin (NIM) among the best performers was 3.40% versus 3.24% for the peer group.

On the credit quality front, nonperforming assets (NPA) as a percentage of total assets landed at a median of 0.33% — on par with the broader group and reflecting exceptionally low loan losses across the industry.

Core deposits — generally low- or no-cost deposits — as a percentage of total deposits was elevated for both groups. The median of the top 200 was 86.72%, while the broader group median was 85.11%.

Here is an overview of the 10 banks that topped this year's list, followed by a detailed table of this year's full top 200 and links to data from previous years.

See rankings from past years:

Below is the 2021 ranking of the top 200:

View Table
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The top 200 publicly traded community banks 2021

          Magazine Metrics
  Total Assets ROAA 3-Year Avg ROAE ROAE Net Interest Margin (FTE) Efficiency Ratio (FTE) Total Noninterest Income Net Income Asset Growth Core Deposit Growth Revenue Growth
  ($) (%) (%) (%) (%) (%) ($000) ($000) (%) (%) (%)
Rank Institution Name Ticker City State 12/31/21 2021 2019-2021 2021 2021 2021 2021 2021 2020-2021 2020-2021 2020-2021
1 Oregon Bancorp, Inc. ORBN Salem OR 411,661 5.81 42.83 32.84 3.56 67.19 77,458 22,389 3.98 33.67 (10.89)
2 FinWise Bancorp FINW Murray UT 380,214 9.65 39.91 49.53 15.10 36.97 31,844 31,583 19.75 59.83 89.50
3 University Bancorp, Inc. UNIB Ann Arbor MI 498,459 4.92 39.67 43.63 2.54 73.38 121,300 25,498 (10.62) (18.75) (3.58)
4 Allied First Bancorp, Inc. AFBA Oswego IL 167,531 3.39 37.56 25.46 2.83 93.47 114,025 5,399 14.46 14.00 10.43
5 BNCCORP, Inc. BNCC Bismarck ND 1,047,372 2.00 21.93 17.08 2.99 63.18 44,094 21,955 (2.49) 8.71 (35.62)
6 Communities First Financial Corporation CFST Fresno CA 1,080,103 2.06 21.85 26.46 4.24 38.09 9,970 20,526 23.88 32.38 41.65
7 CF Bankshares Inc. CFBK Worthington OH 1,495,589 1.26 21.73 15.58 3.01 60.91 11,257 18,453 1.26 19.28 (39.30)
8 BayFirst Financial Corp. BAFN Saint Petersburg FL 917,095 1.90 20.66 28.81 3.23 81.64 117,577 24,618 (40.63) 36.87 20.34
9 Thomasville Bancshares, Inc. THVB Thomasville GA 1,461,950 1.70 20.38 20.67 3.15 46.83 18,889 23,126 19.10 26.35 13.15
10 Northeast Bank NBN Portland ME 1,459,955 4.34 20.22 34.28 4.42 41.96 28,631 76,813 18.30 50.92 34.60
11 First Savings Financial Group, Inc. FSFG Jeffersonville IN 1,764,589 1.38 19.26 13.63 3.74 80.34 90,621 23,949 (5.82) 23.96 (29.88)
12 Cornerstone Community Bancorp CRSB Red Bluff CA 603,284 1.46 18.25 23.58 3.50 40.16 2,423 7,915 21.18 26.78 36.25
13 Meridian Corporation MRBK Malvern PA 1,713,443 2.06 18.06 23.74 3.77 68.57 87,553 35,585 (0.39) 26.42 11.97
14 Plumas Bancorp PLBC Reno NV 1,614,074 1.52 17.85 17.81 3.63 44.84 8,707 21,009 45.21 47.28 19.30
15 FFD Financial Corporation FFDF Dover OH 615,439 1.53 17.78 17.56 3.39 48.67 3,173 8,993 11.46 18.35 6.44
16 Cornerstone Bancorp Inc. CNBP Palatine IL 950,731 1.02 17.34 18.72 3.05 62.78 7,979 9,826 6.68 11.21 0.69
17 Mission Bancorp MSBC Bakersfield CA 1,520,178 1.30 17.31 16.90 3.21 45.86 6,632 18,723 18.77 17.16 10.24
18 Village Bank and Trust Financial Corp. VBFC Midlothian VA 748,401 1.73 16.72 21.02 3.76 59.39 12,343 12,453 5.97 24.14 12.53
19 Truxton Corporation TRUX Nashville TN 917,259 1.79 16.70 18.26 2.56 50.63 15,909 14,541 23.68 28.36 17.68
20 SouthPoint Bancshares, Inc. SOUB Birmingham AL 721,350 1.45 16.39 16.68 4.18 63.12 13,452 9,219 25.67 55.56 18.18
21 FS Bancorp FXLG Lagrange IN 1,094,386 1.48 16.34 15.72 3.22 55.31 7,109 15,461 10.15 18.78 5.56
22 Union Bankshares, Inc. UNB Morrisville VT 1,205,373 1.16 16.14 15.92 3.35 66.07 12,984 13,170 10.23 15.76 2.82
23 KS Bancorp, Inc. KSBI Smithfield NC 571,225 1.14 15.79 17.82 3.38 60.65 2,876 6,094 17.58 30.30 13.96
24 Bank7 Corp. BSVN Oklahoma City OK 1,349,886 2.15 15.68 19.79 5.12 35.19 2,240 23,159 32.78 49.98 13.62
25 CW Bancorp CWBK Irvine CA 1,365,925 1.15 15.45 19.43 2.42 43.93 6,155 14,179 3.44 NA 13.15
26 Mountain Commerce Bancorp, Inc. MCBI Knoxville TN 1,334,929 1.93 15.34 20.86 3.74 38.94 2,516 23,622 20.27 42.28 22.24
27 Quaint Oak Bancorp, Inc. QNTO Southampton PA 554,115 1.25 15.20 23.42 3.90 65.11 11,693 6,822 14.47 69.65 82.69
28 United Bancorporation of Alabama, Inc. UBAB Atmore AL 1,115,609 1.78 15.18 17.81 3.49 67.82 10,957 18,526 12.84 NA 27.70
29 Morris State Bancshares, Inc. MBLU Dublin GA 1,409,518 1.79 15.17 17.41 4.08 51.93 4,513 23,964 12.78 17.14 10.98
30 CNB Community Bancorp, Inc. CNBB Hillsdale MI 1,148,908 1.08 15.03 14.92 3.73 65.39 10,681 11,438 22.50 29.39 (16.11)
31 Minster Financial Corp. MTFC Minster OH 755,358 1.09 15.01 13.60 2.64 57.61 5,824 7,557 18.45 24.49 1.70
32 Community Bancorp CMTV Derby VT 1,019,106 1.38 14.95 16.18 3.54 57.42 5,783 13,138 10.99 15.57 9.30
33 GBank Financial Holdings Inc. GBFH Las Vegas NV 618,100 2.04 14.87 15.89 3.40 57.99 19,300 11,000 31.33 35.16 35.66
34 Valley Republic Bancorp Bakersfield CA 1,380,348 1.19 14.62 16.02 3.07 44.33 3,015 16,301 11.68 12.95 23.54
35 Solera National Bancorp, Inc. SLRK Lakewood CO 651,177 2.04 14.62 20.87 3.76 35.66 1,537 11,090 49.42 71.79 55.05
36 Oxford Bank Corporation OXBC Oxford MI 750,863 1.44 14.57 17.71 3.65 52.78 4,678 10,555 7.40 19.79 22.57
37 First IC Corporation FIEB Doraville GA 942,162 2.24 14.55 21.10 3.60 47.65 18,866 19,598 23.17 28.83 54.62
38 CMUV Bancorp CMUV El Centro CA 277,517 1.91 14.45 19.11 4.99 42.11 423 5,199 6.88 15.52 26.39
39 Summit Bank Group, Inc. SBKO Eugene OR 902,510 1.27 14.44 15.90 4.08 53.01 1,950 10,871 18.57 NA 18.63
40 Summit State Bank SSBI Santa Rosa CA 958,080 1.64 14.38 18.48 4.28 47.91 4,836 14,698 10.65 24.89 25.44
41 Hawthorn Bancshares, Inc. HWBK Jefferson City MO 1,831,550 1.30 14.32 16.46 3.62 63.29 16,382 22,517 5.64 14.93 9.81
42 Lifestore Financial Group, Inc. LSFG West Jefferson NC 407,020 1.47 14.18 13.18 3.07 68.42 11,140 5,684 7.92 25.16 (0.05)
43 Oconomowoc Bancshares, Inc. OCNB Oconomowoc WI 1,579,881 1.49 14.15 14.39 3.49 64.12 29,325 22,587 9.11 30.67 (6.36)
44 Citizens Financial Corp. CIWV Elkins WV 494,588 1.58 14.11 17.07 4.20 55.28 3,495 5,793 53.63 65.30 6.34
45 PB Financial Corporation PBNC Rocky Mount NC 701,422 1.53 14.06 16.00 3.64 39.52 1,291 9,819 19.58 33.05 26.85
46 Redwood Financial, Inc. REDW Redwood Falls MN 530,653 1.02 14.02 11.44 3.01 66.29 6,046 5,120 12.84 14.31 (13.32)
47 High Country Bancorp, Inc. HCBC Salida CO 452,840 1.16 14.01 12.58 4.34 72.58 4,616 4,750 24.00 28.42 1.65
48 American Bank Incorporated AMBK Allentown PA 848,846 1.28 13.98 14.46 2.89 45.04 2,435 10,103 15.60 26.61 8.63
49 Golden Valley Bancshares, Inc. GVYB Chico CA 473,679 1.15 13.90 14.03 3.36 51.62 1,394 5,159 16.58 NA 10.96
50 Benchmark Bankshares, Inc. BMBN Kenbridge VA 1,040,576 1.18 13.89 14.09 3.63 64.58 8,838 11,524 19.49 25.29 9.98
51 Timberland Bancorp, Inc. TSBK Hoquiam WA 1,831,275 1.48 13.84 12.77 3.11 52.07 16,021 25,778 15.29 20.49 (1.66)
52 BEO Bancorp BEOB Heppner OR 821,592 0.94 13.79 15.44 3.90 68.67 3,678 6,917 23.23 NA 10.01
53 Redwood Capital Bancorp RWCB Eureka CA 596,101 1.15 13.75 13.89 3.09 54.64 3,811 6,517 20.20 24.31 7.93
54 Wayne Savings Bancshares, Inc. WAYN Wooster OH 636,004 1.19 13.74 14.15 3.22 54.23 2,668 7,437 7.51 15.26 8.53
55 Integrated Financial Holdings, Inc. IFHI Raleigh NC 452,974 2.83 13.73 14.51 4.31 75.46 39,128 12,100 16.38 36.05 15.58
56 Landmark Bancorp, Inc. LARK Manhattan KS 1,328,968 1.43 13.65 13.68 3.39 61.63 21,127 18,011 11.86 18.04 (3.22)
57 Peoples Ltd. PPLL Wyalusing PA 477,323 1.52 13.57 15.19 3.23 54.99 4,552 6,827 7.64 19.09 6.14
58 OP Bancorp OPBK Los Angeles CA 1,726,691 1.83 13.56 18.90 4.02 46.55 16,017 28,840 26.33 35.44 37.77
59 Crystal Valley Financial Corporation CYVF Middlebury IN 759,562 1.63 13.54 13.50 3.54 60.15 6,913 11,649 11.28 21.61 0.27
60 Community Financial Group, Inc. (Spokane, WA) CFGW Spokane WA 713,418 1.30 13.49 14.94 3.47 67.63 10,954 8,695 15.91 17.94 15.79
61 GrandSouth Bancorporation GRRB Greenville SC 1,203,722 1.39 13.29 17.83 4.44 57.83 3,732 16,114 10.46 27.08 22.22
62 Northeast Indiana Bancorp, Inc. NIDB Huntington IN 417,657 1.79 13.25 15.30 3.66 52.02 4,654 7,297 6.74 25.00 10.84
63 Fentura Financial, Inc. FETM Fenton MI 1,417,931 1.26 13.19 13.52 3.58 63.57 14,110 16,579 13.30 22.54 (0.82)
64 US Metro Bancorp, Inc. USMT Garden Grove CA 967,787 1.70 13.09 22.11 3.40 45.31 18,455 15,286 26.23 47.09 73.53
65 Commercial National Financial Corporation CEFC Ithaca MI 610,802 1.09 13.07 14.77 3.10 62.30 2,323 6,366 11.50 24.84 8.81
66 PBCO Financial Corporation PBCO Medford OR 859,597 1.47 13.06 15.79 4.40 57.65 6,553 11,473 64.25 NA 44.77
67 The Victory Bancorp, Inc. VTYB Limerick PA 443,778 0.89 13.06 16.77 3.51 66.65 955 3,950 3.34 14.26 20.99
68 Bank of South Carolina Corporation BKSC Charleston SC 679,221 1.14 13.04 12.30 3.06 58.68 3,601 6,745 27.55 32.92 3.19
69 Lyons Bancorp Inc. LYBC Lyons NY 1,626,165 0.99 13.01 15.57 3.35 64.79 13,481 15,500 14.27 22.71 13.25
70 Bank of San Francisco BSFO San Francisco CA 599,449 1.40 13.01 17.75 3.75 46.62 653 8,987 (11.11) 2.06 25.39
71 Horizon Bancorp, Inc. (Lake Havasu City, AZ) HRRB Lake Havasu City AZ 539,484 1.06 12.84 16.02 3.28 66.34 5,098 5,656 13.40 18.18 11.14
72 Uwharrie Capital Corp UWHR Albemarle NC 939,680 1.17 12.83 16.69 3.19 75.12 17,972 10,083 13.52 15.99 4.55
73 First Citrus Bancorporation, Inc. FCIT Tampa FL 659,975 1.09 12.79 15.04 3.75 59.34 3,582 6,833 24.83 30.50 30.13
74 MPB BHC, INC. MPHX Phoenix AZ 411,815 1.83 12.78 17.69 3.97 45.64 3,191 7,169 NA NA NA
75 Oregon Pacific Bancorp ORPB Florence OR 691,721 1.21 12.71 16.98 3.28 61.23 6,616 7,801 28.78 28.83 16.05
76 Sturgis Bancorp, Inc. STBI Sturgis MI 751,735 0.88 12.70 12.76 2.96 70.99 9,290 6,344 16.80 29.74 6.81
77 F&M Bancorp FMOO Miamisburg OH 266,128 1.30 12.70 13.46 3.93 55.89 879 3,329 17.23 24.74 11.28
78 Two Rivers Financial Group, Inc. TRVR Burlington IA 993,527 0.91 12.69 8.70 3.21 70.20 13,667 9,193 (1.69) 2.12 (22.15)
79 Esquire Financial Holdings, Inc. ESQ Jericho NY 1,178,770 1.77 12.68 13.42 4.49 54.34 20,819 17,925 25.84 26.10 23.87
80 Embassy Bancorp, Inc. EMYB Bethlehem PA 1,633,194 1.11 12.61 14.24 2.98 52.35 2,273 16,786 13.26 29.00 13.75
81 Farmers Bancorp (Frankfort IN) FABP Frankfort IN 776,274 1.52 12.59 13.27 3.47 56.89 7,750 11,525 9.19 16.35 10.67
82 United Bancshares, Inc. UBOH Columbus Grove OH 1,076,556 1.30 12.55 11.81 3.77 67.86 17,362 13,581 10.02 16.54 (11.14)
83 Santa Cruz County Bank SCZC Santa Cruz CA 1,700,576 1.32 12.55 11.96 3.99 43.58 4,776 21,298 19.52 29.52 24.65
84 United Bancorp, Inc. UBCP Martins Ferry OH 724,456 1.31 12.42 13.28 3.48 66.01 4,456 9,451 4.48 11.04 (2.38)
85 Trinity Bank, N.A. TYBT Fort Worth TX 431,817 1.47 12.42 13.63 3.63 44.19 644 5,822 14.21 16.51 25.38
86 Home Loan Financial Corporation HLFN Coshocton OH 253,890 1.55 12.39 12.34 3.74 54.94 2,083 3,912 2.23 11.85 0.52
87 Mountain Pacific Bancorp, Inc. MPCB Everett WA 617,600 1.26 12.37 15.56 3.80 54.58 5,300 7,100 20.71 43.53 36.87
88 U & I Financial Corp. UNIF Lynnwood WA 455,683 2.10 12.32 13.55 4.50 52.87 5,154 8,502 12.82 18.11 15.81
89 Kish Bancorp, Inc. KISB Belleville PA 1,232,778 0.85 12.29 13.42 3.00 73.57 11,068 9,881 11.40 19.34 9.25
90 First Bancshares Inc. (Bellevue, OH) FIBH Bellevue OH 306,253 1.15 12.28 12.43 3.83 63.06 1,627 3,546 7.22 14.17 7.47
91 Katahdin Bankshares Corp. KTHN Patten ME 940,499 1.00 12.18 11.80 3.52 67.62 4,973 9,473 0.37 6.43 0.03
92 First United Corporation FUNC Oakland MD 1,729,838 1.12 12.08 14.92 3.28 59.09 19,274 19,770 (0.21) 9.36 7.85
93 AMB Financial Corp. AMFC Saint John IN 287,955 1.37 12.08 15.66 3.60 63.65 3,895 3,781 9.79 20.83 10.38
94 Randolph Bancorp, Inc. RNDB Quincy MA 803,278 1.29 12.05 9.31 3.13 76.81 31,923 9,601 11.40 14.89 (27.46)
95 Tri-County Financial Group, Inc. TYFG Mendota IL 1,404,575 0.96 11.99 9.98 3.35 73.09 30,428 13,223 5.58 15.04 (1.48)
96 Town and Country Financial Corporation TWCF Springfield IL 907,027 1.26 11.99 13.91 3.45 65.08 16,641 11,231 1.04 14.63 1.94
97 Franklin Financial Services Corporation FRAF Chambersburg PA 1,773,806 1.17 11.97 13.20 2.88 68.28 17,200 19,616 15.55 17.66 10.04
98 Nmb Financial Corp NMBF Fort Lee NJ 540,808 1.64 11.94 17.79 3.56 48.89 6,688 8,292 18.23 79.38 36.94
99 Logansport Financial Corp. LOGN Logansport IN 247,706 1.29 11.92 11.34 3.48 61.64 1,888 3,207 12.41 16.40 1.48
100 CSB Bancorp, Inc. CSBB Millersburg OH 1,144,239 0.97 11.92 11.27 2.63 63.05 7,297 10,837 10.92 14.65 (0.79)
101 Consumers Bancorp, Inc. CBKM Minerva OH 954,903 1.14 11.90 14.08 3.61 60.70 4,635 9,907 26.63 36.01 14.67
102 Traditions Bancorp, Inc. TRBK York PA 749,094 1.18 11.85 12.33 3.24 65.51 12,731 8,211 16.94 NA (1.05)
103 Muncy Bank Financial, Inc. MYBF Muncy PA 594,334 1.33 11.84 13.44 3.50 62.44 4,383 7,635 11.81 20.77 12.32
104 Oak Ridge Financial Services, Inc. BKOR Oak Ridge NC 586,921 1.37 11.76 16.24 3.96 63.87 3,908 7,763 8.56 19.10 20.01
105 PSB Holdings, Inc. PSBQ Wausau WI 1,298,711 1.03 11.75 11.63 3.30 56.90 9,284 12,817 14.73 15.35 11.91
106 Malaga Financial Corporation MLGF Palos Verdes Estates CA 1,473,601 1.41 11.71 12.05 2.92 30.87 868 19,602 12.29 18.97 5.20
107 Oak Valley Bancorp OVLY Oakdale CA 1,964,599 0.93 11.71 11.96 3.04 61.05 5,426 16,337 29.98 32.80 9.20
108 Huron Valley Bancorp, Inc. HVLM Milford MI 237,143 0.96 11.63 11.50 3.27 61.84 630 2,114 23.34 36.00 10.66
109 Washington Business Bank WBZB Olympia WA 108,475 1.34 11.63 11.56 4.05 58.40 87 1,417 0.23 20.73 6.09
110 Pacific Financial Corporation PFLC Aberdeen WA 1,319,966 0.99 11.63 10.85 2.97 78.64 15,854 12,697 13.08 16.34 (9.73)
111 Century Financial Corporation CYFL Coldwater MI 452,215 1.22 11.58 11.44 2.54 62.92 6,765 5,339 12.88 15.27 (2.06)
112 Heartland BancCorp HLAN Whitehall OH 1,467,412 1.24 11.54 12.69 3.56 60.46 14,076 18,593 (5.15) 11.57 7.28
113 Keweenaw Financial Corporation KEFI Hancock MI 1,074,133 1.39 11.51 13.41 3.57 66.54 23,278 14,387 9.80 NA NA
114 First National Corporation FXNC Strasburg VA 1,389,436 0.88 11.47 10.30 3.13 64.44 10,135 10,359 46.11 46.36 19.45
115 Touchmark Bancshares, Inc. TMAK Alpharetta GA 421,917 2.01 11.43 15.87 3.38 38.83 4,250 8,444 (1.35) 18.88 19.93
116 Bancorp. of Southern Indiana BCSO Seymour IN 782,984 1.21 11.38 13.12 2.98 68.91 12,532 8,876 10.81 20.34 7.23
117 Main Street Financial Services Corp. MSWV Wheeling WV 606,891 0.98 11.32 11.41 3.32 57.97 489 5,422 18.75 31.39 7.21
118 Marine Bancorp of Florida, Inc. MBOF Vero Beach FL 547,313 0.99 11.31 14.16 3.46 63.68 2,786 4,827 28.68 35.47 34.30
119 Blackhawk Bancorp, Inc. BHWB Beloit WI 1,341,555 1.06 11.28 12.99 3.24 68.05 18,926 13,619 17.52 23.71 2.35
120 Pinnacle Bancshares, Inc. PCLB Jasper AL 340,009 1.48 11.27 13.67 3.49 55.17 2,639 4,692 23.31 26.72 18.14
121 MainStreet Bancshares, Inc. MNSB Fairfax VA 1,647,402 1.32 11.23 12.38 3.33 54.96 6,104 22,171 0.26 0.81 11.63
122 FFW Corporation FFWC Wabash IN 521,625 1.18 11.23 10.90 3.19 66.11 5,421 5,783 11.53 23.72 (1.42)
123 S.B.C.P. Bancorp, Inc. SBBI Cross Plains WI 1,675,000 1.15 11.23 10.98 3.43 57.41 20,173 18,893 3.83 9.06 5.03
124 Eagle Bancorp Montana, Inc. EBMT Helena MT 1,435,926 1.06 11.20 9.18 3.81 77.28 47,723 14,419 14.18 24.38 3.01
125 Community West Bancshares CWBC Goleta CA 1,157,052 1.21 11.18 13.68 4.03 60.69 3,753 13,101 18.62 28.87 13.89
126 Central Bank Corporation CBSU Sault Sainte Marie MI 403,842 1.26 11.16 14.46 3.40 54.61 3,160 4,747 20.49 27.66 14.96
127 HV Bancorp, Inc. HVBC Doylestown PA 560,124 0.69 11.14 10.37 2.57 78.56 13,318 4,052 (34.99) (35.02) 1.47
128 Chino Commercial Bancorp CCBC Chino CA 378,514 0.89 11.14 11.70 3.06 59.87 2,141 3,131 20.22 26.47 10.27
129 Southeastern Banking Corporation SEBC Darien GA 642,105 1.31 11.10 12.94 3.25 59.69 4,194 7,530 18.26 21.77 5.40
130 Chesapeake Financial Shares, Inc. CPKF Kilmarnock VA 1,385,816 1.14 11.07 11.87 3.80 72.42 18,582 15,010 15.03 16.55 15.84
131 Ledyard Financial Group, Inc. LFGP Hanover NH 769,648 1.09 11.05 11.10 2.66 76.30 14,865 7,765 12.41 20.56 9.10
132 SVB & T Corporation SVBT French Lick IN 490,097 1.48 11.05 13.74 3.99 63.19 8,580 7,383 (1.21) 3.50 12.10
133 Pioneer Bankcorp, Inc. PBKC Clewiston FL 595,901 0.91 11.05 11.70 3.07 65.95 3,395 5,102 19.41 20.84 2.86
134 Woodlands Financial Services Company WDFN Williamsport PA 573,240 0.97 11.04 11.03 3.02 68.65 4,180 5,275 14.09 21.02 5.34
135 FNB Bancorp, Inc. FBIP Newtown PA 1,308,679 0.81 11.02 10.33 2.18 64.63 7,225 10,173 13.92 16.84 4.10
136 CNB Corp. CNBW Conway SC 1,809,510 0.94 11.01 11.37 2.31 57.47 9,276 15,863 20.83 30.79 3.31
137 FNCB Bancorp, Inc. FNCB Dunmore PA 1,664,323 1.36 11.00 13.46 3.45 54.62 6,917 21,371 13.55 20.88 19.65
138 BankFirst Capital Corporation BFCC Columbus MS 1,818,523 1.02 10.99 12.06 3.47 70.06 18,822 18,300 5.32 10.16 9.23
139 Eastern Michigan Financial Corporation EFIN Croswell MI 534,164 1.02 10.98 11.70 2.72 60.72 2,658 5,195 14.15 15.43 7.78
140 Community Investors Bancorp, Inc. CIBN Bucyrus OH 233,978 0.88 10.97 10.67 3.55 81.30 6,911 1,975 9.31 27.66 0.93
141 Bank of Utica BKUT Utica NY 1,525,372 2.64 10.95 13.76 1.90 33.76 226 38,504 13.38 26.36 16.43
142 blueharbor bank BLHK Mooresville NC 410,809 1.28 10.93 12.84 2.92 53.20 2,526 4,830 26.50 39.84 21.49
143 Salisbury Bancorp, Inc. SAL Lakeville CT 1,529,184 1.15 10.93 12.56 3.03 60.05 11,455 16,473 18.21 22.42 9.29
144 River Valley Community Bancorp RVCB Yuba City CA 600,849 1.03 10.89 11.20 3.25 55.59 764 5,350 21.02 25.62 11.42
145 QNB Corp. QNBC Quakertown PA 1,673,340 1.04 10.84 12.19 2.79 62.43 6,819 16,492 16.19 24.29 10.52
146 Farmers Bankshares, Inc. FBVA Windsor VA 623,455 1.51 10.82 13.15 3.06 45.04 9,498 8,902 12.96 22.75 3.03
147 Centric Financial Corporation CFCX Harrisburg PA 983,201 0.96 10.80 11.39 4.11 54.93 3,615 10,349 (12.06) 9.70 23.56
148 SB Financial Group, Inc. SBFG Defiance OH 1,330,854 1.38 10.80 12.67 3.06 65.09 30,697 18,277 5.80 18.12 3.87
149 Dimeco, Inc. DIMC Honesdale PA 958,220 1.27 10.79 12.16 3.67 60.15 5,915 11,952 8.54 22.80 9.61
150 BOL Bancshares, Inc. BOLB New Orleans LA 101,480 1.14 10.78 13.88 2.97 84.27 4,604 1,064 18.11 20.63 98.34
151 FCN Banc Corp. FBVI Brookville IN 723,977 1.16 10.76 11.40 2.67 60.24 6,173 8,332 5.97 15.66 6.06
152 Riverview Bancorp, Inc. RVSB Vancouver WA 1,683,076 1.31 10.75 13.38 3.10 62.78 12,114 21,109 17.19 22.51 5.57
153 First Resource Bank FRSB Exton PA 469,065 0.92 10.72 12.46 3.61 62.88 718 4,172 10.52 24.57 18.89
154 Mifflinburg Bancorp, Inc. MIFF Mifflinburg PA 555,130 1.11 10.72 10.92 3.05 60.67 2,292 5,950 8.64 18.78 8.39
155 Jefferson Security Bank JFWV Shepherdstown WV 426,783 0.87 10.71 11.52 2.82 66.63 2,061 3,576 12.10 14.85 6.98
156 Croghan Bancshares, Inc. CHBH Fremont OH 1,112,402 1.41 10.71 11.05 3.77 57.70 8,315 15,232 8.16 14.86 5.56
157 Susquehanna Community Financial, Inc. SQCF West Milton PA 559,138 1.08 10.65 10.63 3.08 66.31 3,593 5,629 11.46 18.52 4.27
158 First Reliance Bancshares, Inc. FSRL Florence SC 910,797 0.64 10.64 7.56 3.25 83.63 13,795 5,276 28.25 43.37 (18.02)
159 HMN Financial, Inc. HMNF Rochester MN 1,069,538 1.38 10.64 12.62 3.15 64.40 12,672 13,564 17.59 24.44 (2.72)
160 Citizens Bancorp Investment, Inc. CBTN Lafayette TN 1,481,600 1.19 10.62 12.70 3.40 60.95 11,356 16,737 10.78 24.63 40.21
161 CBB Bancorp, Inc. CBBI Los Angeles CA 1,808,801 1.68 10.61 15.98 3.67 48.51 19,563 27,530 31.53 60.29 49.43
162 Eagle Financial Services, Inc. EFSI Berryville VA 1,303,038 0.90 10.61 10.19 3.59 72.06 11,296 11,021 15.30 19.32 20.18
163 ENB Financial Corp ENBP Ephrata PA 1,717,230 0.95 10.56 11.16 2.81 69.08 16,827 14,916 17.43 22.73 8.55
164 Southern Michigan Bancorp, Inc. SOMC Coldwater MI 1,161,154 1.06 10.52 12.48 3.27 63.01 9,009 11,757 16.40 22.63 20.75
165 Bank of Botetourt BORT Buchanan VA 662,229 1.06 10.42 12.10 2.99 62.10 5,057 6,879 10.78 28.29 14.11
166 American Riviera Bancorp ARBV Santa Barbara CA 1,306,540 1.04 10.41 13.08 3.58 60.43 3,577 11,829 34.47 NA 20.60
167 First Bancshares, Inc. FBSI Mountain Grove MO 445,095 1.19 10.40 11.64 4.07 55.27 1,590 5,093 9.55 15.30 19.20
168 First Capital, Inc. FCAP Corydon IN 1,156,603 1.05 10.32 10.16 2.84 63.58 9,216 11,437 13.67 NA 2.41
169 First Ottawa Bancshares, Inc. FOTB Ottawa IL 970,880 1.23 10.28 19.90 4.00 56.30 9,740 11,516 7.21 25.83 36.92
170 CBC Holding Company CBHC Fitzgerald GA 249,689 1.12 10.27 10.79 3.16 58.36 1,569 2,500 26.00 40.43 6.52
171 Pinnacle Bank PBNK Gilroy CA 737,833 1.12 10.26 12.50 3.46 63.78 7,085 7,750 19.61 27.32 25.60
172 Limestone Bancorp, Inc. LMST Louisville KY 1,415,692 1.09 10.24 12.03 3.46 60.98 7,788 14,909 7.88 25.14 9.61
173 New Tripoli Bancorp, Inc. NTBP New Tripoli PA 588,779 1.33 10.22 11.69 3.48 55.34 1,388 7,373 8.95 26.28 16.46
174 Denali Bancorporation, Inc. DENI Fairbanks AK 461,912 1.13 10.22 11.35 4.26 64.87 3,989 4,893 21.39 28.00 13.61
175 CNB Bank Shares, Inc. CNBN Carlinville IL 1,584,031 0.97 10.20 9.82 3.08 61.51 12,692 15,242 6.05 17.72 (1.83)
176 First Farmers and Merchants Corporation FFMH Columbia TN 1,972,738 0.83 10.19 9.86 2.55 68.62 14,112 15,635 9.47 13.14 4.37
177 Citizens Commerce Bancshares, Inc. CCVS Versailles KY 313,856 1.47 10.15 14.57 4.15 57.11 2,086 4,568 4.87 15.19 24.23
178 Guaranty Federal Bancshares, Inc. GFED Springfield MO 1,172,910 0.88 10.15 11.34 3.07 66.91 11,054 10,638 2.33 14.97 11.97
179 Community Capital Bancshares, Inc. ALBY Albany GA 257,156 0.76 10.12 10.43 3.33 68.66 942 1,988 (8.76) (9.16) (6.27)
180 Ballston Spa Bancorp, Inc. BSPA Ballston Spa NY 768,472 0.70 10.11 8.68 3.10 71.42 4,448 5,074 11.41 13.81 3.64
181 Pontiac Bancorp, Inc. PONT Pontiac IL 965,215 1.25 10.09 9.86 3.16 53.82 7,416 9,964 54.05 62.19 20.84
182 Primary Bank PRMY Bedford NH 670,323 1.31 10.09 14.44 3.52 42.05 541 8,351 18.54 34.45 65.38
183 Penns Woods Bancorp, Inc. PWOD Williamsport PA 1,940,809 0.85 10.05 9.94 2.85 66.55 11,007 16,048 5.79 NA 3.32
184 Baker Boyer Bancorp BBBK Walla Walla WA 812,527 0.70 10.01 9.01 2.72 81.29 14,113 5,430 11.97 13.04 2.93
185 Somerset Trust Holding Company SOME Somerset PA 1,866,665 0.78 9.98 10.41 3.61 75.18 18,181 13,983 15.90 29.52 9.29
186 Enterprise Financial Services Group, Inc. EFSG Allison Park PA 379,663 1.00 9.98 11.79 3.91 71.69 3,775 3,849 (3.19) 20.96 4.15
187 Century Next Financial Corporation CTUY Ruston LA 553,470 0.89 9.98 8.31 4.25 67.42 3,830 4,779 7.46 15.17 3.17
188 Peak Bancorp Inc. IDFB McCall ID 554,746 0.81 9.97 14.77 3.08 60.72 2,350 5,676 (37.36) NA 28.63
189 Killbuck Bancshares, Inc. KLIB Killbuck OH 760,288 0.76 9.97 8.38 2.46 69.63 3,161 5,516 10.84 17.82 (0.63)
190 PSB Holding Corp. PSBP Preston MD 585,037 0.92 9.97 10.51 3.44 65.85 3,429 5,284 6.50 16.49 9.23
191 Sound Financial Bancorp, Inc. SFBC Seattle WA 919,691 1.00 9.91 10.13 3.43 68.10 7,329 9,156 6.77 34.04 6.64
192 First Northern Community Bancorp FNRN Dixon CA 1,899,087 0.77 9.90 9.41 2.60 66.61 8,084 14,186 14.72 17.81 (0.99)
193 Mission Valley Bancorp MVLY Sun Valley CA 576,500 1.08 9.89 13.15 3.94 63.97 8,033 4,957 20.91 33.18 (15.80)
194 1st Colonial Bancorp, Inc. FCOB Cherry Hill NJ 682,834 1.07 9.88 13.14 3.33 63.28 9,105 7,258 7.35 7.19 28.48
195 Westbury Bancorp, Inc. WBBW Waukesha WI 914,633 1.00 9.86 10.74 3.14 63.25 8,804 9,046 0.91 5.60 0.70
196 Farmers and Merchants Bancshares, Inc. FMFG Hampstead MD 716,677 1.16 9.86 14.85 3.47 54.94 2,297 8,150 5.81 18.71 29.97
197 Andover Bancorp, Inc. ANDC Andover OH 574,724 0.96 9.86 11.44 2.61 67.02 3,388 5,393 9.11 17.16 13.08
198 Security Bancorp, Inc. SCYT McMinnville TN 295,744 0.95 9.86 9.78 2.68 62.02 2,667 2,663 13.39 29.92 7.19
199 Surrey Bancorp SRYB Mount Airy NC 480,535 1.11 9.85 9.77 2.90 58.90 2,107 5,104 11.48 16.08 (5.28)
200 JD Bancshares, Inc. JDVB Jennings LA 1,355,986 0.82 9.81 11.20 2.84 72.47 12,627 11,015 5.27 4.52 10.33
Jim Dobbs
Deputy Editor, Community Banks, American Banker
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