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Compensation Banks, thrifts and holding companies

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

May 21, 2018, 11:51 a.m. EDT 1 Min Read

Year to date through Dec. 31, 2017. Dollars in thousands.

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U.S. Bank Holding Companies with the Highest Multiples of Net Income to Salary and Benefits
Rank Company City State Multiple Net income (loss) Salary and benefits Return on average assets
1 Briscoe Ranch, Inc. Uvalde Tex. 5.32 $49,961 $9,383 2.90
2 Beal Financial Corporation Plano Tex. 5.22 310,399 59,445 4.25
3 Big Poppy Holdings, Inc. Santa Rosa Calif. 2.83 30,954 10,949 2.23
4 John Deere Capital Corporation Reno Nev. 2.76 650,756 235,846 1.88
5 BankUnited, Inc. Miami Lakes Fla. 2.59 614,273 237,093 2.14
6 Merchants Bancorp Carmel Ind. 2.57 54,684 21,272 1.84
7 Porter Bancorp, Inc. Louisville Ky. 2.55 38,453 15,090 4.06
8 Industry Bancshares, Inc. Industry Tex. 2.44 80,122 32,892 2.13
9 Capitol Federal Financial, Inc. Topeka Kan. 2.24 95,395 42,568 0.85
10 Olney Bancshares of Texas, Inc. Olney Tex. 2.11 74,756 35,463 2.32
11 Silver Queen Financial Services, Inc. Greenwood Village Colo. 2.09 17,147 8,193 0.96
12 United National Corporation Sioux Falls S.D. 1.99 350,005 175,638 12.90
13 Inwood Bancshares, Inc. Dallas Tex. 1.96 46,303 23,656 1.89
14 ServisFirst Bancshares, Inc. Birmingham Ala. 1.96 93,092 47,604 1.43
15 Luther Burbank Corporation Santa Rosa Calif. 1.92 69,385 36,216 1.27
16 Lakeside Bancorp, Inc. Chicago Ill. 1.69 30,745 18,218 2.02
17 CIB Marine Bancshares, Inc. Waukesha Wis. 1.67 26,954 16,152 4.18
18 Sterling Bancorp, Inc. Southfield Mich. 1.65 37,824 22,988 1.54
19 NexBank Capital, Inc. Dallas Tex. 1.65 77,674 47,213 1.19
20 Oritani Financial Corp. Township of Washington N.J. 1.63 43,123 26,508 1.05
21 Cathay General Bancorp Los Angeles Calif. 1.60 176,042 110,184 1.20
22 Washington Federal, Inc. Seattle Wash. 1.57 183,956 116,953 1.22
23 Traditional Bancorporation, Inc. Mount Sterling Ky. 1.56 24,231 15,486 1.74
24 BofI Holding, Inc. San Diego Calif. 1.55 137,583 88,534 1.63
25 Pedcor Capital, LLC Carmel Ind. 1.55 10,965 7,068 3.03
26 Amboy Bancorporation Old Bridge N.J. 1.54 33,255 21,566 1.34
27 Western Alliance Bancorporation Phoenix Ariz. 1.52 325,492 214,344 1.73
28 RBB Bancorp Los Angeles Calif. 1.52 25,528 16,821 1.64
29 Villages Bancorporation, Inc. The Villages Fla. 1.51 27,455 18,242 1.35
30 East West Bancorp, Inc. Pasadena Calif. 1.50 505,624 336,280 1.41
31 FCB Financial Holdings, Inc. Weston Fla. 1.50 125,194 83,490 1.28
32 First Security Bancorp Searcy Ark. 1.49 124,940 83,659 2.32
33 Lauritzen Corporation Omaha Neb. 1.49 56,344 37,728 4.48
34 Eagle Bancorp, Inc. Bethesda Md. 1.49 100,232 67,129 1.41
35 WestStar Bank Holding Company, Inc. El Paso Tex. 1.48 39,384 26,544 2.42
36 Lakeland Financial Corporation Warsaw Ind. 1.44 57,317 39,812 1.29
37 First National Bancshares, Inc. East Lansing Mich. 1.43 30,794 21,521 NA
38 First-West Texas Bancshares, Inc. Midland Tex. 1.42 16,256 11,469 1.35
39 Prosperity Bancshares, Inc. Houston Tex. 1.41 272,165 192,409 1.22
40 Discover Financial Services Riverwoods Ill. 1.37 2,098,743 1,533,889 2.19
41 Ida Grove Bancshares, Inc. Ida Grove Iowa 1.35 24,345 17,999 1.70
42 Live Oak Bancshares, Inc. Wilmington N.C. 1.34 100,499 74,770 4.54
43 PacWest Bancorp Beverly Hills Calif. 1.34 357,818 266,567 1.58
44 Amarillo National Bancorp, Inc. Amarillo Tex. 1.33 76,718 57,856 1.98
45 Dime Community Bancshares, Inc. Brooklyn N.Y. 1.32 51,882 39,341 0.84
46 Pedcor Financial, LLC Carmel Ind. 1.31 15,654 11,938 2.45
47 West Bancorporation, Inc. West Des Moines Iowa 1.31 23,070 17,633 1.18
48 New York Community Bancorp, Inc. Westbury N.Y. 1.29 466,201 360,985 0.96
49 Hometown Community Bancorp, Inc. Morton Ill. 1.27 49,517 38,869 1.47
50 Crews Banking Corporation Wauchula Fla. 1.27 28,550 22,430 2.01
51 First Financial Bankshares, Inc. Abilene Tex. 1.26 120,371 95,688 1.74
52 Stockman Financial Corporation Miles City Mont. 1.26 63,588 50,631 1.92
53 Synchrony Financial Stamford Conn. 1.25 1,935,322 1,554,181 2.12
54 Pinnacle Bancorp, Inc. Omaha Neb. 1.24 169,792 136,464 1.70
55 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 1.23 43,220 35,128 0.93
56 Hometown Banc Corp Grand Island Neb. 1.21 18,553 15,320 1.49
57 Republic Bancorp Co. Oak Brook Ill. 1.21 31,033 25,735 1.66
58 Bridgewater Bancshares, Inc. Bloomington Minn. 1.20 16,889 14,051 1.16
59 Choice Financial Holdings, Inc. Fargo N.D. 1.20 27,233 22,710 2.33
60 International Bancshares Corporation Laredo Tex. 1.19 157,436 132,750 1.31
61 First Bancorp, Inc. Damariscotta Maine 1.18 19,588 16,563 1.10
62 CVB Financial Corp. Ontario Calif. 1.18 104,411 88,319 1.26
63 Stearns Financial Services, Inc. Saint Cloud Minn. 1.17 45,552 38,785 2.20
64 Northern Bancorp, Inc. Woburn Mass. 1.16 22,804 19,610 1.22
65 1867 Western Financial Corporation Stockton Calif. 1.15 48,737 42,293 1.80
66 Manhattan Banking Corporation Manhattan Kan. 1.15 26,985 23,512 1.59
67 E*TRADE Financial Corporation New York N.Y. 1.13 614,300 542,669 1.06
68 Home BancShares, Inc. Conway Ark. 1.13 135,083 119,369 1.18
69 First of Long Island Corporation Glen Head N.Y. 1.12 35,122 31,309 0.95
70 Fifth Third Bancorp Cincinnati Ohio 1.09 2,194,309 2,011,606 1.56
71 First Citizens Financial Corp. Mason City Iowa 1.08 18,711 17,256 1.53
72 BT Holdings, Inc. Quitman Tex. 1.07 11,806 11,031 0.82
73 Cache Valley Banking Company Logan Utah 1.07 20,516 19,222 1.97
74 Independence Bancshares, Inc. Owensboro Ky. 1.07 30,221 28,333 1.42
75 Great Western Bancorp, Inc. Sioux Falls S.D. 1.06 137,113 129,027 1.21
76 City Holding Company Cross Lanes W.Va. 1.06 54,311 51,151 1.33
77 TrustCo Bank Corp NY Glenville N.Y. 1.06 43,145 40,665 0.88
78 Apple Financial Holdings, Inc. New York N.Y. 1.04 75,423 72,551 0.59
79 United Bank Corporation Barnesville Ga. 1.04 25,031 24,113 1.94
80 Magnolia Banking Corporation Magnolia Ark. 1.03 18,630 18,150 1.35
81 National Bankshares, Inc. Blacksburg Va. 1.03 14,092 13,746 1.14
82 First Artesia Bancshares, Inc. Artesia N.M. 1.02 18,196 17,815 1.67
83 PNC Financial Services Group, Inc. Pittsburgh Pa. 1.02 5,337,537 5,235,516 1.44
84 Citizens National Banc Corp. Meridian Miss. 1.02 22,584 22,228 1.67
85 FirstBank Holding Company Lakewood Colo. 1.00 212,560 212,763 1.24
86 Plains Bancorp, Inc. Dimmitt Tex. 1.00 17,864 17,892 1.46
87 Starion Bancorporation Bismarck N.D. 1.00 18,462 18,549 1.47
88 Parkway Bancorp, Inc. Harwood Heights Ill. 0.98 18,177 18,507 0.75
89 Heartland Bancorp, Inc. Bloomington Ill. 0.97 50,911 52,387 1.71
90 Westamerica Bancorporation San Rafael Calif. 0.97 50,025 51,519 0.92
91 Timberland Bancorp, Inc. Hoquiam Wash. 0.96 14,634 15,177 1.56
92 American National Corporation Omaha Neb. 0.96 47,668 49,540 1.39
93 Louisiana Community Bancorp, Inc. Houma La. 0.96 19,445 20,223 1.65
94 Hope Bancorp, Inc. Los Angeles Calif. 0.96 139,444 145,538 1.02
95 LegacyTexas Financial Group, Inc. Plano Tex. 0.95 89,499 93,888 1.04
96 Blackhawk Bancorporation, Inc. Milan Ill. 0.94 12,162 12,882 0.95
97 Citizens Financial Group, Inc. Providence R.I. 0.93 1,651,804 1,768,650 1.10
98 Ambank Company, Inc. Sioux Center Iowa 0.92 15,961 17,263 1.41
99 Bankwell Financial Group, Inc. New Canaan Conn. 0.92 13,831 14,975 0.79
100 Bank First National Corporation Manitowoc Wis. 0.92 15,313 16,595 1.04
101 First Farmers Financial Corporation Converse Ind. 0.90 21,749 24,054 1.34
102 S&T Bancorp, Inc. Indiana Pa. 0.90 72,968 80,776 1.03
103 Southside Bancshares, Inc. Tyler Tex. 0.90 54,312 60,475 0.96
104 U.S. Bancorp Minneapolis Minn. 0.90 6,218,000 6,932,000 1.39
105 Ironhorse Financial Group, Inc. Muskogee Okla. 0.89 28,367 31,826 1.98
106 Bank of Hawaii Corporation Honolulu Hawaii 0.88 184,672 208,820 1.10
107 Sturm Financial Group, Inc. Denver Colo. 0.88 33,868 38,457 1.31
108 Community Trust Bancorp, Inc. Pikeville Ky. 0.88 51,493 58,829 1.27
109 German American Bancorp, Inc. Jasper Ind. 0.87 40,676 46,642 1.35
110 Cullen/Frost Bankers, Inc. San Antonio Tex. 0.87 364,149 419,624 1.20
111 Charles Schwab Corporation San Francisco Calif. 0.86 2,354,000 2,725,000 1.05
112 Great Southern Bancorp, Inc. Springfield Mo. 0.86 51,564 59,731 1.16
113 United Community Bancorp, Inc. Chatham Ill. 0.86 29,120 33,799 1.18
114 First York Ban Corp. York Neb. 0.86 22,726 26,379 1.45
115 Midland Financial Co. Oklahoma City Okla. 0.86 204,131 236,991 1.32
116 Hills Bancorporation Hills Iowa 0.86 28,061 32,619 1.02
117 Lakeland Bancorp, Inc. Oak Ridge N.J. 0.86 52,580 61,166 1.00
118 Provident Financial Services, Inc. Iselin N.J. 0.86 93,949 109,353 0.99
119 Ames National Corporation Ames Iowa 0.85 13,697 16,038 1.00
120 M&T Bank Corporation Buffalo N.Y. 0.85 1,408,306 1,650,729 1.17
121 First Bank Corp Fort Smith Ark. 0.85 26,415 31,085 1.55
122 1st Summit Bancorp of Johnstown, Inc. Johnstown Pa. 0.85 9,892 11,671 0.98
123 Ally Financial Inc. Detroit Mich. 0.85 929,000 1,097,000 0.57
124 NEB Corporation Fond du Lac Wis. 0.85 20,265 23,940 1.06
125 Pinnacle Financial Partners, Inc. Nashville Tenn. 0.83 173,978 209,662 1.02
126 Guaranty Bancorp Denver Colo. 0.83 38,624 46,662 1.12
127 AFNB Holdings, Inc. Houston Tex. 0.83 15,090 18,248 1.05
128 Customers Bancorp, Inc. Wyomissing Pa. 0.83 78,837 95,518 0.77
129 Southern BancShares (N.C.), Inc. Mount Olive N.C. 0.82 33,890 41,150 1.35
130 First Fidelity Bancorp, Inc. Oklahoma City Okla. 0.82 20,261 24,682 1.32
131 Community Bank System, Inc. De Witt N.Y. 0.82 150,262 183,057 1.50
132 Midland Bancshares, Inc. Midland Tex. 0.82 12,725 15,524 1.15
133 Comerica Incorporated Dallas Tex. 0.81 742,993 912,106 1.04
134 Southern Missouri Bancorp, Inc. Poplar Bluff Mo. 0.81 17,700 21,744 1.09
135 CBX Corporation Carrollton Ill. 0.81 17,983 22,120 1.17
136 SVB Financial Group Santa Clara Calif. 0.81 490,506 603,902 1.01
137 215 Holding Company Minneapolis Minn. 0.81 10,100 12,446 1.42
138 First Bancorp, Inc. Lebanon Va. 0.80 20,134 25,031 1.22
139 First Merchants Corporation Muncie Ind. 0.80 96,070 119,812 1.17
140 Sterling Bancshares, Inc. Poplar Bluff Mo. 0.80 9,091 11,365 0.68
141 Independent Bank Group, Inc. McKinney Tex. 0.80 76,512 95,741 0.96
142 Franklin Financial Network, Inc. Franklin Tenn. 0.80 28,083 35,268 0.81
143 Meridian Bancorp, Inc. Peabody Mass. 0.79 42,945 54,417 0.90
144 Arrow Financial Corporation Glens Falls N.Y. 0.79 29,326 37,166 1.09
145 INTRUST Financial Corporation Wichita Kan. 0.78 58,536 74,642 1.17
146 Auburn National Bancorporation, Inc. Auburn Ala. 0.78 7,846 10,010 0.94
147 1st Source Corporation South Bend Ind. 0.78 68,051 86,912 1.21
148 Farmers & Merchants Bancorp, Inc. Archbold Ohio 0.78 12,720 16,248 1.18
149 Huntington Bancshares Incorporated Columbus Ohio 0.78 1,186,082 1,520,727 1.17
150 First Keystone Corporation Berwick Pa. 0.78 8,648 11,114 0.86
151 Hanmi Financial Corporation Los Angeles Calif. 0.78 54,660 70,476 1.10
152 JPMorgan Chase & Co. New York N.Y. 0.77 24,441,000 31,548,000 0.96
153 Third Federal Savings and Loan Association of Cleveland, MHC Cleveland Ohio 0.77 72,971 94,489 0.54
154 CIT Group Inc. New York N.Y. 0.77 468,226 609,968 0.85
155 Premier Financial Bancorp, Inc. Huntington W.Va. 0.77 14,819 19,355 0.99
156 First Volunteer Corporation Chattanooga Tenn. 0.76 13,276 17,378 1.40
157 Moody Bancshares, Inc. Galveston Tex. 0.76 11,851 15,568 1.16
158 Bank of Highland Park Financial Corporation Highland Park Ill. 0.76 12,509 16,434 0.81
159 Enterprise Financial Services Corp Clayton Mo. 0.76 48,190 63,479 0.97
160 Park National Corporation Newark Ohio 0.75 84,242 112,095 1.09
161 Unity Bancorp, Inc. Clinton N.J. 0.75 12,893 17,186 1.02
162 River Valley Bancorporation, Inc. Wausau Wis. 0.75 15,940 21,309 1.31
163 United Bankshares, Inc. Charleston W.Va. 0.75 150,581 201,390 0.86
164 Texas Capital Bancshares, Inc. Dallas Tex. 0.75 197,063 263,960 0.87
165 Citizens Financial Services, Inc. Mansfield Pa. 0.75 13,025 17,456 1.04
166 Independent Bank Corp. Rockland Mass. 0.75 87,204 116,943 1.11
167 H Bancorp LLC Irvine Calif. 0.75 12,466 16,723 1.16
168 Nicolet Bankshares, Inc. Green Bay Wis. 0.74 33,150 44,544 1.25
169 Post Oak Bancshares, Inc. Houston Tex. 0.74 15,027 20,192 1.15
170 WesBanco, Inc. Wheeling W.Va. 0.74 94,482 127,294 0.96
171 Broadway Bancshares, Inc. San Antonio Tex. 0.74 44,194 59,885 1.18
172 Banterra Corp. Eldorado Ill. 0.74 19,883 26,974 1.32
173 BSB Bancorp, Inc. Belmont Mass. 0.73 14,386 19,596 0.61
174 Watford City Bancshares, Inc. Watford City N.D. 0.73 31,760 43,350 1.34
175 Texas Independent Bancshares, Inc. Texas City Tex. 0.73 16,441 22,466 1.59
176 Glacier Bancorp, Inc. Kalispell Mont. 0.73 116,377 159,182 1.20
177 First Financial Bancorp. Cincinnati Ohio 0.73 96,787 132,560 1.12
178 Cummins-American Corp. Glenview Ill. 0.73 11,145 15,266 0.89
179 First Internet Bancorp Fishers Ind. 0.73 15,226 20,880 0.66
180 Sandy Spring Bancorp, Inc. Olney Md. 0.73 53,209 73,132 1.02
181 Veritex Holdings, Inc. Dallas Tex. 0.73 15,153 20,828 0.77
182 MB Financial, Inc. Chicago Ill. 0.73 304,040 419,179 1.55
183 Klein Financial, Inc. Chaska Minn. 0.72 26,003 35,923 1.33
184 Vision Bancshares, Inc. Laredo Tex. 0.72 11,283 15,677 0.92
185 OceanFirst Financial Corp. Toms River N.J. 0.72 42,470 59,096 0.80
186 Old Line Bancshares, Inc. Bowie Md. 0.72 15,964 22,261 0.84
187 Territorial Bancorp Inc. Honolulu Hawaii 0.72 14,962 20,901 0.78
188 RCB Holding Company, Inc. Claremore Okla. 0.71 34,369 48,157 1.23
189 Webster Financial Corporation Waterbury Conn. 0.71 255,439 358,266 0.97
190 Commerce Bancshares, Inc. Kansas City Mo. 0.71 319,383 448,321 1.28
191 Stock Yards Bancorp, Inc. Louisville Ky. 0.71 38,044 53,405 1.25
192 Northeast Bancorp Lewiston Maine 0.71 15,378 21,658 1.48
193 Carolina Financial Corporation Charleston S.C. 0.71 28,565 40,393 1.24
194 Citizens Bancorp Investment, Inc. Lafayette Tenn. 0.71 8,941 12,652 1.00
195 Northwest Financial Corp. Arnolds Park Iowa 0.71 23,374 33,093 1.36
196 Valley View Bancshares, Inc. Overland Park Kan. 0.71 25,766 36,540 0.83
197 Pacific City Financial Corporation Los Angeles Calif. 0.71 16,403 23,262 1.22
198 First Paragould Bankshares, Inc. Paragould Ark. 0.70 11,173 15,931 0.89
199 Longview Financial Corporation Longview Tex. 0.70 24,143 34,431 1.02
200 NexTier Incorporated Kittanning Pa. 0.70 11,660 16,651 0.98

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 May. 18, 2018.
© 2017 American Banker
Source: Financial Information Systems LLC (

www.FEDFIS.com
)

Compensation Banks, thrifts and holding companies