U.S. Bank Holding Companies with the Highest Multiples of Net Income to Salary and Benefits

February 26, 2018, 3:12 p.m. EST 1 Min Read

Year to date through Sep. 30, 2017. Dollars in thousands.

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Rank	Company	City	State	Multiple	Net income (loss)	Salary and benefits	Return on average assets
1	Beal Financial Corporation	Plano	Tex.	4.35	$77,146	$17,755	4.34
2	Briscoe Ranch, Inc.	Uvalde	Tex.	3.61	7,647	2,116	1.78
3	First Community Holdings	Santa Rosa	Calif.	3.10	7,775	2,510	2.13
4	Inwood Bancshares, Inc.	Dallas	Tex.	2.42	12,551	5,188	2.03
5	Lauritzen Corporation	Omaha	Neb.	2.25	20,587	9,134	6.50
6	Olney Bancshares of Texas, Inc.	Olney	Tex.	2.18	19,239	8,836	2.38
7	Fifth Third Bancorp	Cincinnati	Ohio	2.07	1,013,973	490,191	2.89
8	Luther Burbank Corporation	Santa Rosa	Calif.	2.06	17,747	8,597	1.23
9	ServisFirst Bancshares, Inc.	Birmingham	Ala.	2.03	25,259	12,428	1.56
10	Sterling Bancorp, Inc.	Southfield	Mich.	1.99	12,050	6,056	1.87
11	Merchants Bancorp	Carmel	Ind.	1.97	10,465	5,306	1.32
12	United National Corporation	Sioux Falls	S.D.	1.91	82,599	43,205	12.10
13	Capitol Federal Financial, Inc.	Topeka	Kan.	1.89	20,602	10,888	0.74
14	Oritani Financial Corp.	Township of Washington	N.J.	1.89	11,993	6,345	1.16
15	Silver Queen Financial Services, Inc.	Greenwood Village	Colo.	1.84	3,775	2,047	0.84
16	Lakeside Bancorp, Inc.	Chicago	Ill.	1.80	7,950	4,412	2.05
17	John Deere Capital Corporation	Reno	Nev.	1.78	103,172	57,906	1.17
18	NexBank Capital, Inc.	Dallas	Tex.	1.78	14,736	8,278	0.80
19	Eagle Bancorp, Inc.	Bethesda	Md.	1.77	29,874	16,905	1.68
20	Cathay General Bancorp	Los Angeles	Calif.	1.75	49,746	28,385	1.30
21	Stearns Financial Services, Inc.	Saint Cloud	Minn.	1.68	14,078	8,358	2.71
22	East West Bancorp, Inc.	Pasadena	Calif.	1.66	132,660	79,790	1.48
23	Washington Federal, Inc.	Seattle	Wash.	1.66	46,104	27,741	1.22
24	First-West Texas Bancshares, Inc.	Midland	Tex.	1.62	4,670	2,877	1.53
25	Discover Financial Services	Riverwoods	Ill.	1.60	602,656	377,432	2.50
26	RBB Bancorp	Los Angeles	Calif.	1.58	6,611	4,178	1.66
27	First National Bancshares, Inc.	East Lansing	Mich.	1.58	8,764	5,541	2.66
28	Lakeland Financial Corporation	Warsaw	Ind.	1.58	15,825	10,039	1.42
29	PacWest Bancorp	Beverly Hills	Calif.	1.58	101,466	64,413	1.84
30	FCB Financial Holdings, Inc.	Weston	Fla.	1.57	32,160	20,441	1.29
31	Western Alliance Bancorporation	Phoenix	Ariz.	1.57	82,858	52,730	1.71
32	Traditional Bancorporation, Inc.	Mount Sterling	Ky.	1.57	6,083	3,877	1.76
33	CIT Group Inc.	New York	N.Y.	1.55	219,643	141,646	1.74
34	WestStar Bank Holding Company, Inc.	El Paso	Tex.	1.54	10,171	6,586	2.44
35	Northern Bancorp, Inc.	Woburn	Mass.	1.49	7,205	4,831	1.50
36	ConnectOne Bancorp, Inc.	Englewood Cliffs	N.J.	1.47	13,077	8,872	1.11
37	BofI Holding, Inc.	San Diego	Calif.	1.47	32,383	22,040	1.54
38	Dime Community Bancshares, Inc.	Brooklyn	N.Y.	1.46	13,313	9,101	0.85
39	Industry Bancshares, Inc.	Industry	Tex.	1.46	11,887	8,164	1.26
40	West Bancorporation, Inc.	West Des Moines	Iowa	1.45	6,405	4,430	1.30
41	Villages Bancorporation, Inc.	The Villages	Fla.	1.44	6,768	4,706	1.32
42	Crews Banking Corporation	Wauchula	Fla.	1.43	8,013	5,592	2.24
43	Prosperity Bancshares, Inc.	Houston	Tex.	1.42	67,908	47,866	1.22
44	Amarillo National Bancorp, Inc.	Amarillo	Tex.	1.41	20,308	14,422	2.09
45	Synchrony Financial	Stamford	Conn.	1.40	555,021	396,502	2.44
46	Cache Valley Banking Company	Logan	Utah	1.40	6,320	4,521	2.43
47	Ida Grove Bancshares, Inc.	Ida Grove	Iowa	1.36	6,179	4,542	1.72
48	Stockman Financial Corporation	Miles City	Mont.	1.35	17,313	12,871	2.07
49	Ambank Company, Inc.	Sioux Center	Iowa	1.34	5,240	3,907	1.87
50	CVB Financial Corp.	Ontario	Calif.	1.34	29,683	22,155	1.43
51	Sterling Bancorp	Montebello	N.Y.	1.32	44,852	33,920	1.14
52	Pinnacle Bancorp, Inc.	Omaha	Neb.	1.32	45,062	34,128	1.76
53	Hometown Community Bancorp, Inc.	Morton	Ill.	1.32	12,280	9,316	1.47
54	BT Holdings, Inc.	Quitman	Tex.	1.28	3,652	2,856	0.97
55	Bridgewater Bancshares, Inc.	Bloomington	Minn.	1.27	4,677	3,685	1.22
56	Choice Financial Holdings, Inc.	Fargo	N.D.	1.24	7,280	5,881	2.49
57	First Security Bancorp	Searcy	Ark.	1.22	25,762	21,055	1.91
58	Hope Bancorp, Inc.	Los Angeles	Calif.	1.22	44,564	36,458	1.30
59	Magnolia Banking Corporation	Magnolia	Ark.	1.22	5,393	4,418	1.55
60	Parkway Bancorp, Inc.	Harwood Heights	Ill.	1.22	5,692	4,681	0.94
61	TrustCo Bank Corp NY	Glenville	N.Y.	1.22	12,596	10,360	1.03
62	First Financial Bankshares, Inc.	Abilene	Tex.	1.21	29,374	24,249	1.68
63	Great Western Bancorp, Inc.	Sioux Falls	S.D.	1.21	37,661	31,184	1.32
64	New York Community Bancorp, Inc.	Westbury	N.Y.	1.21	110,467	91,594	0.91
65	LegacyTexas Financial Group, Inc.	Plano	Tex.	1.20	28,709	23,859	1.29
66	1867 Western Financial Corporation	Stockton	Calif.	1.20	12,040	10,012	1.77
67	Hometown Banc Corp	Grand Island	Neb.	1.19	4,661	3,903	1.50
68	AFNB Holdings, Inc.	Houston	Tex.	1.19	4,775	4,021	1.30
69	Heartland Bancorp, Inc.	Bloomington	Ill.	1.18	14,884	12,572	2.00
70	First of Long Island Corporation	Glen Head	N.Y.	1.18	9,342	7,919	1.00
71	International Bancshares Corporation	Laredo	Tex.	1.17	39,628	33,786	1.31
72	Westamerica Bancorporation	San Rafael	Calif.	1.17	15,017	12,816	1.10
73	Bankwell Financial Group, Inc.	New Canaan	Conn.	1.17	4,262	3,640	0.96
74	First Bancorp, Inc.	Damariscotta	Maine	1.17	4,982	4,258	1.10
75	BankUnited, Inc.	Miami Lakes	Fla.	1.17	67,779	58,149	0.93
76	First Citizens Financial Corp.	Mason City	Iowa	1.16	4,915	4,225	1.62
77	Republic Bancorp Co.	Oak Brook	Ill.	1.16	8,400	7,264	1.81
78	First Paragould Bankshares, Inc.	Paragould	Ark.	1.15	3,897	3,390	1.20
79	Plains Bancorp, Inc.	Dimmitt	Tex.	1.13	5,109	4,533	1.66
80	Texas Independent Bancshares, Inc.	Texas City	Tex.	1.12	3,922	3,502	1.53
81	S&T Bancorp, Inc.	Indiana	Pa.	1.12	22,721	20,326	1.29
82	Blackhawk Bancorporation, Inc.	Milan	Ill.	1.12	3,520	3,152	1.11
83	NEB Corporation	Fond du Lac	Wis.	1.11	6,513	5,893	1.34
84	Starion Bancorporation	Bismarck	N.D.	1.10	5,118	4,658	1.62
85	Ironhorse Financial Group, Inc.	Muskogee	Okla.	1.09	8,487	7,751	2.37
86	Louisiana Community Bancorp, Inc.	Houma	La.	1.09	5,401	4,940	1.86
87	Manhattan Banking Corporation	Manhattan	Kan.	1.08	6,599	6,083	1.54
88	National Bankshares, Inc.	Blacksburg	Va.	1.08	3,785	3,496	1.23
89	United Bank Corporation	Barnesville	Ga.	1.08	6,505	6,010	2.00
90	City Holding Company	Cross Lanes	W.Va.	1.08	13,930	12,899	1.37
91	FirstBank Holding Company	Lakewood	Colo.	1.07	55,988	52,211	1.30
92	American Express Company	New York	N.Y.	1.07	1,355,000	1,265,000	3.23
93	Bank First National Corporation	Manitowoc	Wis.	1.07	3,831	3,577	1.09
94	Ally Financial Inc.	Detroit	Mich.	1.07	282,000	264,000	0.69
95	Enterprise Financial Services Corp	Clayton	Mo.	1.07	16,315	15,277	1.28
96	Independence Bancshares, Inc.	Owensboro	Ky.	1.07	7,656	7,181	1.41
97	Hills Bancorporation	Hills	Iowa	1.07	8,552	8,029	1.24
98	E*TRADE Financial Corporation	New York	N.Y.	1.06	146,847	138,729	0.98
99	United Bankshares, Inc.	Charleston	W.Va.	1.05	56,738	53,887	1.20
100	Sterling Bancshares, Inc.	Poplar Bluff	Mo.	1.04	2,684	2,576	0.81
101	215 Holding Company	Minneapolis	Minn.	1.03	3,232	3,129	1.83
102	First Artesia Bancshares, Inc.	Artesia	N.M.	1.03	5,004	4,874	1.84
103	Columbia Banking System, Inc.	Tacoma	Wash.	1.02	40,769	39,932	1.68
104	American National Corporation	Omaha	Neb.	1.01	13,015	12,877	1.51
105	Southside Bancshares, Inc.	Tyler	Tex.	1.01	14,511	14,395	1.04
106	Meridian Bancorp, Inc.	Peabody	Mass.	1.01	13,333	13,252	1.10
107	Comerica Incorporated	Dallas	Tex.	1.00	225,385	224,801	1.26
108	Pinnacle Financial Partners, Inc.	Nashville	Tenn.	1.00	64,441	64,354	1.22
109	Southern BancShares (N.C.), Inc.	Mount Olive	N.C.	0.99	9,917	10,014	1.57
110	Franklin Financial Network, Inc.	Franklin	Tenn.	0.99	8,889	9,011	1.04
111	Sturm Financial Group, Inc.	Denver	Colo.	0.98	9,223	9,402	1.45
112	CBX Corporation	Carrollton	Ill.	0.98	5,304	5,421	1.36
113	Community Trust Bancorp, Inc.	Pikeville	Ky.	0.98	13,763	14,079	1.34
114	SVB Financial Group	Santa Clara	Calif.	0.97	148,620	152,645	1.19
115	Ames National Corporation	Ames	Iowa	0.97	3,929	4,039	1.16
116	Provident Financial Services, Inc.	Iselin	N.J.	0.97	26,575	27,328	1.12
117	First Fidelity Bancorp, Inc.	Oklahoma City	Okla.	0.97	5,759	5,927	1.50
118	Timberland Bancorp, Inc.	Hoquiam	Wash.	0.97	3,615	3,732	1.55
119	Citizens National Banc Corp.	Meridian	Miss.	0.96	5,334	5,540	1.57
120	Arbor Bancorp, Inc.	Ann Arbor	Mich.	0.96	5,816	6,070	1.52
121	First Internet Bancorp	Fishers	Ind.	0.95	4,895	5,138	0.78
122	Apple Financial Holdings, Inc.	New York	N.Y.	0.95	17,125	17,986	0.53
123	Watford City Bancshares, Inc.	Watford City	N.D.	0.95	10,452	10,986	1.74
124	First York Ban Corp.	York	Neb.	0.95	6,276	6,600	1.58
125	Heritage Commerce Corp	San Jose	Calif.	0.95	8,583	9,071	1.21
126	F.N.B. Corporation	Pittsburgh	Pa.	0.94	77,693	82,383	1.01
127	Pacific Premier Bancorp, Inc.	Irvine	Calif.	0.94	20,232	21,502	1.26
128	Charles Schwab Corporation	San Francisco	Calif.	0.94	618,000	659,000	1.12
129	First Bancorp, Inc.	Lebanon	Va.	0.93	5,846	6,255	1.44
130	Midland Bancshares, Inc.	Midland	Tex.	0.93	3,616	3,880	1.28
131	Carolina Financial Corporation	Charleston	S.C.	0.93	7,993	8,623	1.44
132	1st Summit Bancorp of Johnstown, Inc.	Johnstown	Pa.	0.92	2,681	2,922	1.06
133	Camden National Corporation	Camden	Maine	0.92	11,339	12,359	1.12
134	Norwood Financial Corp.	Honesdale	Pa.	0.92	2,941	3,209	1.04
135	Independent Bank Group, Inc.	McKinney	Tex.	0.92	23,514	25,684	1.08
136	Green Bancorp, Inc.	Houston	Tex.	0.91	11,407	12,486	1.10
137	Lakeland Bancorp, Inc.	Oak Ridge	N.J.	0.91	13,723	15,100	1.04
138	U.S. Bancorp	Minneapolis	Minn.	0.91	1,563,000	1,721,000	1.39
139	Valley View Bancshares, Inc.	Overland Park	Kan.	0.90	8,096	8,977	1.04
140	Summit Financial Group, Inc.	Moorefield	W.Va.	0.90	5,930	6,610	1.14
141	Bar Harbor Bankshares	Bar Harbor	Maine	0.90	8,619	9,618	1.00
142	Synovus Financial Corp.	Columbus	Ga.	0.89	98,007	109,675	1.28
143	Midland Financial Co.	Oklahoma City	Okla.	0.89	51,984	58,208	1.31
144	M&T Bank Corporation	Buffalo	N.Y.	0.89	355,923	399,089	1.19
145	Cullen/Frost Bankers, Inc.	San Antonio	Tex.	0.89	93,131	104,433	1.23
146	Glacier Bancorp, Inc.	Kalispell	Mont.	0.89	36,479	40,970	1.47
147	Hawaiian Electric Industries, Inc.	Honolulu	Hawaii	0.89	60,073	67,511	1.89
148	H Bancorp LLC	Irvine	Calif.	0.89	3,730	4,192	1.42
149	First Bank Corp	Fort Smith	Ark.	0.89	6,791	7,638	1.59
150	OceanFirst Financial Corp.	Toms River	N.J.	0.89	12,819	14,428	0.96
151	Stock Yards Bancorp, Inc.	Louisville	Ky.	0.89	11,704	13,181	1.55
152	United Community Bancorp, Inc.	Chatham	Ill.	0.88	7,488	8,469	1.21
153	Moody Bancshares, Inc.	Galveston	Tex.	0.88	3,406	3,865	1.34
154	River Valley Bancorporation, Inc.	Wausau	Wis.	0.88	4,731	5,393	1.52
155	Unity Bancorp, Inc.	Clinton	N.J.	0.88	3,757	4,284	1.18
156	Veritex Holdings, Inc.	Dallas	Tex.	0.88	5,182	5,921	0.94
157	BSB Bancorp, Inc.	Belmont	Mass.	0.87	4,600	5,262	0.76
158	Bank of Hawaii Corporation	Honolulu	Hawaii	0.87	45,881	52,493	1.08
159	PNC Financial Services Group, Inc.	Pittsburgh	Pa.	0.87	1,114,787	1,276,864	1.20
160	Northeast Bancorp	Lewiston	Maine	0.87	4,586	5,254	1.72
161	Texas Capital Bancshares, Inc.	Dallas	Tex.	0.87	58,684	67,816	1.00
162	JPMorgan Chase & Co.	New York	N.Y.	0.86	6,732,000	7,787,000	1.05
163	CapStar Financial Holdings, Inc.	Nashville	Tenn.	0.86	4,418	5,118	1.29
164	Citizens Financial Services, Inc.	Mansfield	Pa.	0.86	3,650	4,237	1.16
165	Guaranty Bancorp	Denver	Colo.	0.86	10,054	11,705	1.17
166	Heartland BancCorp	Gahanna	Ohio	0.86	2,752	3,204	1.28
167	CBB Bancorp, Inc.	Los Angeles	Calif.	0.86	11,037	12,905	4.34
168	United Community Financial Corp.	Youngstown	Ohio	0.85	7,556	8,855	1.17
169	Auburn National Bancorporation, Inc.	Auburn	Ala.	0.85	2,136	2,516	1.02
170	Northfield Bancorp, Inc.	Woodbridge	N.J.	0.85	8,125	9,594	0.83
171	Pacific City Financial Corporation	Los Angeles	Calif.	0.84	4,806	5,702	1.39
172	CBTX, Inc.	Beaumont	Tex.	0.84	10,047	11,925	1.35
173	Cadence Bancorp, LLC	Houston	Tex.	0.84	29,115	34,622	1.16
174	First Community Bancshares, Inc.	Bluefield	Va.	0.84	7,651	9,123	1.30
175	Hanmi Financial Corporation	Los Angeles	Calif.	0.84	14,922	17,815	1.19
176	Broadway Bancshares, Inc.	San Antonio	Tex.	0.84	12,326	14,760	1.15
177	German American Bancorp, Inc.	Jasper	Ind.	0.83	9,660	11,570	1.28
178	County Bancorp, Inc.	Manitowoc	Wis.	0.83	3,604	4,333	1.11
179	Amboy Bancorporation	Old Bridge	N.J.	0.83	4,474	5,383	0.72
180	Klein Financial, Inc.	Chaska	Minn.	0.83	7,326	8,820	1.50
181	Reliance Bancshares, Inc.	Frontenac	Mo.	0.83	2,749	3,312	0.80
182	Territorial Bancorp Inc.	Honolulu	Hawaii	0.83	4,174	5,039	0.86
183	Falcon Bancshares Incorporated	Laredo	Tex.	0.83	3,511	4,251	1.24
184	Nicolet Bankshares, Inc.	Green Bay	Wis.	0.83	9,511	11,521	1.35
185	Peoples Financial Services Corp.	Scranton	Pa.	0.82	5,350	6,494	1.04
186	INTRUST Financial Corporation	Wichita	Kan.	0.82	15,176	18,438	1.22
187	Sandy Spring Bancorp, Inc.	Olney	Md.	0.82	15,089	18,441	1.14
188	West Suburban Bancorp, Inc.	Lombard	Ill.	0.82	5,461	6,688	0.95
189	Longview Financial Corporation	Longview	Tex.	0.82	6,864	8,411	1.16
190	Citizens Bancorp Investment, Inc.	Lafayette	Tenn.	0.81	2,598	3,188	1.16
191	Leader Bancorp Inc.	Arlington	Mass.	0.81	4,597	5,643	1.54
192	First Farmers Financial Corporation	Converse	Ind.	0.81	5,003	6,158	1.23
193	Independent Bank Corp.	Rockland	Mass.	0.81	23,853	29,375	1.19
194	Southern Missouri Bancorp, Inc.	Poplar Bluff	Mo.	0.81	4,863	6,004	1.12
195	CNB Financial Corporation	Clearfield	Pa.	0.81	7,246	8,948	1.06
196	WesBanco, Inc.	Wheeling	W.Va.	0.81	26,356	32,686	1.06
197	Alpine Banks of Colorado	Glenwood Springs	Colo.	0.81	11,276	13,997	1.35
198	Bridge Bancorp, Inc.	Bridgehampton	N.Y.	0.80	9,443	11,766	0.89
199	Investors Bancorp, Inc.	Short Hills	N.J.	0.80	45,845	57,134	0.75
200	Arrow Financial Corporation	Glens Falls	N.Y.	0.80	7,416	9,251	1.09

Note: Only domestic holding companies that file Y-9C reports are included. Based on Y-9C filings by top tier bank holding companies with the Federal Reserve.
Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of Feb. 16, 2018.
© 2017 American Banker
Source: Financial Information Systems LLC (

www.FEDFIS.com

)