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The top 200 community banks and thrifts as ranked by three-year average ROE.
April 29
It's getting tougher to earn a spot in our annual ranking of publicly traded banks and thrifts with less than $2 billion of assets.
With the slowly recovering economy helping improve profitability, the return on equity that it takes to crack into the top 200 has been on the rise for a few years.
To make the list we published in 2013, banks had to post a three-year average ROE of 7.8% or higher. That is a marginal improvement over the cutoff for the 2012 list of 7.5%.
But the upward trajectory grew far more pronounced this year. Anything less than 8.66% meant falling short.
A total of 851 institutions fit the criteria for our ranking, including four that shrunk below $2 billion of assets during the year. Excluded are 40 others that did not meet our capital adequacy requirement.
The top performers listed here are doing significantly better as a group than the 851 as a whole. They posted a median ROE of 10.44% for 2013 (versus 5.70% for the entire peer group) and a median ROA of 1.05% (versus 0.67%).
Some did not necessarily have spectacular results for the year, but they did well enough across three years to rise above their peers.
Size continued to be an apparent differentiator for performance in general. The median asset size for the top 200 this year is $602.7 million, up from last year's $600.3 million. The median for the larger peer group is $377.7 million, up from $377.1 million.
Of the 33 states with banks that made the ranking, California showed the greatest improvement. It had 25 top banks this year, up from 18 last year.
| Top 200 Community Banks and Thrifts as Ranked by 3-Year Average ROE | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Rank | Institution | Location | Total Assets ($000) | Market Value ($M) | 3-YR ROAE Avg. (%) | ROE (%) | ROAA (%) | Net Interest Margin (%) | Net Income ($000) | Total Noninterest Income ($000) | Efficiency Ratio (%) | Total Risk-Based Capital |
| 1 | BNCCORP (BNCC) | Bismarck, ND | 843,123 | 44.9 | 24.3 | 12.24 | 1.07 | 2.65 | 8,627 | 26,983 | 73.36 | 23.15 |
| 2 | Berkshire Bancorp (BERK) | New York, NY | 773,044 | 104.5 | 18.86 | -1.89 | -0.32 | 2.73 | -2,517 | 1,053 | 77.79 | 34.02 |
| 3 | Clarkston Financial Corp. (CKFC) | Waterford, MI | 128,256 | 14.3 | 18.07 | 86.57 | 4.41 | 4.27 | 5,502 | 906 | 86.31 | 10.96 |
| 4 | First General Bank (FGEB) | Rowland Heights, CA | 519,558 | NA | 17.76 | 16.33 | 1.76 | 4.54 | 9,083 | 1,987 | 34.58 | 15.73 |
| 5 | Open Bank (OPBK) | Los Angeles, CA | 343,473 | 57.1 | 17.59 | 17.82 | 1.99 | 4.53 | 4,953 | 6,667 | 72.15 | 10.17 |
| 6 | Carolina Financial Corp. (CARO) | Charleston, SC | 881,322 | 81.9 | 17.1 | 22.22 | 1.89 | 3.4 | 16,818 | 43,044 | 62.02 | 16.82 |
| 7 | Citizens Financial Services (CZFS) | Mansfield, PA | 914,934 | 169.1 | 16.74 | 14.89 | 1.51 | 3.87 | 13,375 | 6,828 | 49.95 | 17.75 |
| 8 | Choice Bancorp (CBKW) | Oshkosh, WI | 212,843 | 16.9 | 16.61 | 8.36 | 0.87 | 3.89 | 1,683 | 555 | 58.22 | 14.35 |
| 9 | Macatawa Bank Corp. (MCBC) | Holland, MI | 1,517,405 | 172 | 16.19 | 7.11 | 0.63 | 3.04 | 9,549 | 16,021 | 80.33 | 15.69 |
| 10 | Access National Corp. (ANCX) | Reston, VA | 847,182 | 169.1 | 16.16 | 14 | 1.55 | 3.85 | 13,207 | 28,150 | 64.99 | 13.3 |
| 11 | Mercantile Bank Corp. (MBWM) | Grand Rapids, MI | 1,426,966 | 179.3 | 15.94 | 11.36 | 1.22 | 3.73 | 17,033 | 6,872 | 67.03 | 15.91 |
| 12 | Greer Bancshares (GRBS) | Greer, SC | 358,895 | 12.4 | 15.8 | 36.68 | 2.48 | 3.02 | 8,961 | 2,598 | 69.66 | 17.66 |
| 13 | First Farmers Financial Corp. (FFMR) | Converse, IN | 1,228,587 | NA | 15.7 | 16.79 | 1.35 | 4.06 | 15,817 | 11,049 | 51.73 | 11.92 |
| 14 | Birmingham Bloomfield Bancshares (BBBI) | Birmingham, MI | 188,679 | 10.9 | 15.3 | 7.13 | 0.74 | 4.4 | 1,254 | 862 | 73.13 | 10.89 |
| 15 | Fentura Financial (FETM) | Fenton, MI | 335,225 | 23.4 | 15.11 | 46.22 | 2.68 | 4.16 | 8,485 | 5,583 | 79.68 | 12.58 |
| 16 | Lyons Bancorp (LYBC) | Lyons, NY | 733,000 | 57 | 14.86 | 15.21 | 1.01 | 3.35 | 7,100 | 6,135 | 64.78 | 12.71 |
| 17 | Union Bankshares (UNB) | Morrisville, VT | 584,922 | 105.7 | 14.78 | 15.52 | 1.25 | 4.08 | 7,135 | 8,501 | 68.83 | 13.28 |
| 18 | Penns Woods Bancorp (PWOD) | Williamsport, PA | 1,211,995 | 230.3 | 14.77 | 12.36 | 1.32 | 4.13 | 14,084 | 9,625 | 57.05 | 13.16 |
| 19 | C&F Financial Corp. (CFFI) | West Point, VA | 1,312,297 | 112.3 | 14.65 | 13.39 | 1.35 | 7.44 | 14,402 | 21,726 | 58.07 | 14.8 |
| 20 | Hingham Institution for Savings (HIFS) | Hingham, MA | 1,356,441 | 165.8 | 14.64 | 13.52 | 1.07 | 3.19 | 13,371 | 1,678 | 42.8 | 13.83 |
| 21 | Minster Financial Corp. (MTFC) | Minster, OH | 377,079 | 46.2 | 14.58 | 13.84 | 1.17 | 3.35 | 4,316 | 3,743 | 57.04 | 14.81 |
| 22 | Pacific City Financial Corp. (PFCFD) | Los Angeles, CA | 755,910 | 100.5 | 14.57 | 29.37 | 3.14 | 4.07 | 21,383 | 11,323 | 56.15 | 14.81 |
| 23 | Somerset Trust Holding Co. (SOME) | Somerset, PA | 823,969 | 88.8 | 14.56 | 14.75 | 1.25 | 4.44 | 10,096 | 11,646 | 68.16 | 13.57 |
| 24 | Muncy Bank Financial (MYBF) | Muncy, PA | 353,362 | 60.1 | 14.51 | 13.03 | 1.34 | 4.13 | 4,601 | 1,549 | 54.66 | 14.76 |
| 25 | 1st Summit Bancorp (FSMK) | Johnstown, PA | 865,724 | 94.4 | 14.32 | 14.26 | 1.07 | 3.3 | 9,060 | 4,158 | 54.72 | 16.02 |
| 26 | Cass Information Systems (CASS) | Saint Louis, MO | 1,326,020 | 587.2 | 14.15 | 13.39 | 1.74 | 3.63 | 23,497 | 72,548 | 72.02 | 22.27 |
| 27 | Royal Financial (RYFL) | Chicago, IL | 120,661 | 19.7 | 14.11 | 40.66 | 7.27 | 4.4 | 8,048 | 371 | 81.4 | 27.77 |
| 28 | Chesapeake Financial Shares (CPKF) | Kilmarnock, VA | 662,992 | 58.9 | 14.07 | 12.02 | 1.11 | 4.01 | 7,353 | 16,059 | 75.68 | 15.48 |
| 29 | Baker Boyer Bancorp (BBBK) | Walla Walla, WA | 552,812 | 94.5 | 14.04 | 13.38 | 1.14 | 3.41 | 6,234 | 11,745 | 71.41 | 15.29 |
| 30 | West Milton Bancorp (WMBC) | West Milton, PA | 342,286 | 48.2 | 14 | 13.73 | 1.45 | 3.79 | 4,721 | 1,600 | 49.47 | 16.03 |
| 31 | Pinnacle Bank (PBNK) | Gilroy, CA | 189,728 | 18.4 | 14 | 37.47 | 3.63 | 4.44 | 6,450 | 854 | 82.47 | 11.47 |
| 32 | Thomasville Bancshares (THVB) | Thomasville, GA | 592,201 | 87.5 | 13.81 | 14.84 | 1.37 | 3.64 | 7,275 | 6,840 | 48.58 | 12 |
| 33 | Merchants Bancshares (MBVT) | South Burlington, VT | 1,725,469 | 189.3 | 13.48 | 12.97 | 0.9 | 3.15 | 15,131 | 10,910 | 65.46 | 16.12 |
| 34 | Malaga Financial Corp. (MLGF)* | Palos Verdes Estates, CA | 887,000 | 128.3 | 13.48 | 12.25 | 1.34 | 3.65 | 11,494 | 618 | 34.49 | 23.1 |
| 35 | Monarch Financial Holdings (MNRK) | Chesapeake, VA | 1,016,701 | 128.8 | 13.48 | 13.11 | 1.17 | 4.13 | 12,147 | 69,824 | 82.65 | 13.91 |
| 36 | Cambridge Bancorp (CATC) | Cambridge, MA | 1,533,710 | 174.4 | 13.43 | 13.63 | 0.99 | 3.35 | 14,140 | 22,060 | 68.29 | 13.38 |
| 37 | Pacific Valley Bank (PVBK) | Salinas, CA | 212,243 | 37.4 | 13.42 | 24.51 | 2.9 | 4.25 | 5,555 | 433 | 78.08 | 15.64 |
| 38 | New Tripoli Bancorp (NTBP) | New Tripoli, PA | 358,568 | 56.8 | 13.4 | 12.23 | 1.45 | 4.14 | 5,001 | 616 | 45.81 | 20.77 |
| 39 | American Bank (AMBK) | Allentown, PA | 528,497 | 47.9 | 13.35 | 11.27 | 0.82 | 2.63 | 4,260 | 872 | 50.93 | 13.39 |
| 40 | First Business Financial Services (FBIZ) | Madison, WI | 1,268,655 | 183.2 | 13.27 | 13.12 | 1.1 | 3.54 | 13,746 | 8,442 | 59.95 | 13.16 |
| 41 | Trinity Bank, N.A. (TYBT) | Fort Worth, TX | 181,932 | 41.9 | 13.05 | 13.61 | 1.58 | 3.4 | 2,862 | 493 | 41.9 | 17.26 |
| 42 | Canandaigua National Corp. (CNND) | Canandaigua, NY | 1,963,014 | 251.7 | 12.95 | 12.98 | 1.02 | 3.85 | 19,422 | 36,566 | 66.32 | 13.15 |
| 43 | Benchmark Bankshares (BMBN) | Kenbridge, VA | 463,871 | 59.3 | 12.92 | 12.6 | 1.38 | 4.86 | 6,231 | 3,825 | 62.7 | 17.39 |
| 44 | Citizens & Northern Corp. (CZNC) | Wellsboro, PA | 1,237,695 | 245.1 | 12.82 | 10.25 | 1.5 | 4.05 | 18,594 | 16,451 | 54.7 | 26.6 |
| 45 | Seacoast Commerce Bank (SCCB) | San Diego, CA | 340,173 | 50.2 | 12.79 | 3.99 | 0.39 | 5.03 | 1,002 | 5,822 | 82.83 | 15.49 |
| 46 | Commercial National Financial (CNAF) | Latrobe, PA | 394,334 | 59.4 | 12.76 | 11.13 | 1.44 | 3.96 | 5,392 | 2,793 | 70.52 | 22.86 |
| 47 | BEO Bancorp (BEOB) | Heppner, OR | 299,200 | 27.3 | 12.72 | 12.8 | 0.95 | 5.43 | 2,763 | 1,784 | 64.6 | 13.41 |
| 48 | American Business Bank (AMBZ) | Los Angeles, CA | 1,342,125 | 151.6 | 12.68 | 13.48 | 1.02 | 3.05 | 13,493 | 980 | 62.12 | 17.28 |
| 49 | QNB Corp. (QNBC) | Quakertown, PA | 932,883 | 91.3 | 12.67 | 10.95 | 0.91 | 2.87 | 8,392 | 4,989 | 66.23 | 14.01 |
| 50 | Sierra Vista Bank (SVBA) | Folsom, CA | 101,748 | 13.6 | 12.56 | 41.44 | 5.24 | 5.04 | 4,690 | 462 | 82.22 | 21.24 |
| 51 | Home Loan Financial Corp. (HLFN) | Coshocton, OH | 166,309 | 25 | 12.53 | 13.28 | 1.72 | 5.24 | 2,835 | 1,145 | 49.93 | 17.69 |
| 52 | First Community Financial Corp. (FMFP) | Mifflintown, PA | 425,644 | 56.5 | 12.47 | 10 | 0.92 | 3.5 | 3,894 | 3,008 | 65.2 | 18.8 |
| 53 | First Citizens Bancshares (FIZN) | Dyersburg, TN | 1,175,677 | 158.7 | 12.36 | 12.28 | 1.19 | 3.75 | 13,808 | 12,774 | 63.32 | 17.58 |
| 54 | West Bancorp. (WTBA) | West Des Moines, IA | 1,442,404 | 233.7 | 12.27 | 13.22 | 1.17 | 3.48 | 16,891 | 8,503 | 52.55 | 13.94 |
| 55 | National Bankshares (NKSH) | Blacksburg, VA | 1,110,630 | 252.6 | 12.27 | 11.9 | 1.63 | 4.25 | 17,790 | 8,777 | 43.44 | 23.6 |
| 56 | Horizon Bancorp (HBNC) | Michigan City, IN | 1,758,276 | 190.1 | 12.22 | 12.11 | 1.13 | 3.8 | 19,876 | 25,416 | 66.32 | 16.33 |
| 57 | Alerus Financial Corp. (ALRS) | Grand Forks, ND | 1,380,735 | 248.7 | 12.18 | 13.34 | 1.55 | 3.95 | 20,270 | 79,338 | 71.04 | 14.3 |
| 58 | Centerpointe Community Bank (CENP) | Hood River, OR | 111,638 | 8.2 | 12.17 | 6.14 | 0.59 | 4.14 | 596 | 334 | 81.6 | 15.08 |
| 59 | Embassy Bancorp (EMYB) | Bethlehem, PA | 670,930 | 57.9 | 12.12 | 10.15 | 0.85 | 3.6 | 5,523 | 1,951 | 63.06 | 12.47 |
| 60 | Southern Missouri Bancorp (SMBC) | Poplar Bluff, MO | 950,211 | 118.6 | 12.05 | 9.88 | 1.22 | 3.84 | 10,078 | 5,223 | 52.74 | 16.84 |
| 61 | Bridge Bancorp (BDGE) | Bridgehampton, NY | 1,896,746 | 305.8 | 12.02 | 9.89 | 0.77 | 3.21 | 13,093 | 8,232 | 61.71 | 16.3 |
| 62 | T Bancshares (TBNC) | Dallas, TX | 145,207 | 20.4 | 11.94 | 27.34 | 3.75 | 5.03 | 4,796 | 13,179 | 76.32 | 17.57 |
| 63 | Middlefield Banc Corp. (MBCN) | Middlefield, OH | 647,090 | 55.1 | 11.79 | 13.17 | 1.06 | 3.85 | 7,028 | 3,134 | 59.37 | 14.06 |
| 64 | Cashmere Valley Bank (CSHX) | Cashmere, WA | 1,283,278 | 136.7 | 11.77 | 11.61 | 1.15 | 3.03 | 14,228 | 10,098 | 54.66 | 16.71 |
| 65 | Tri-County Financial Group (TYFG) | Mendota, IL | 922,419 | 37.8 | 11.76 | 1.62 | 0.14 | 3.64 | 1,320 | 40,171 | 93.76 | 12.93 |
| 66 | Greene County Bancorp (GCBC) | Catskill, NY | 652,694 | 108.2 | 11.65 | 11.39 | 1.01 | 3.4 | 6,417 | 5,086 | 59.7 | 18.69 |
| 67 | Pacific Premier Bancorp (PPBI) | Irvine, CA | 1,714,187 | 276.6 | 11.62 | 5.61 | 0.62 | 4.15 | 8,993 | 7,553 | 64.17 | 13.17 |
| 68 | Meta Financial Group (CASH)* | Sioux Falls, SD | 1,806,959 | 262.9 | 11.62 | 9.96 | 0.81 | 2.49 | 14,295 | 54,654 | 77.32 | 22.86 |
| 69 | Security National Corp. (SNLC) | Dakota Dunes, SD | 1,218,571 | 156.1 | 11.58 | 10.63 | 1.02 | 2.85 | 12,271 | 18,879 | 62.23 | 17.18 |
| 70 | MBT Financial Corp. (MBTF) | Monroe, MI | 1,223,322 | 104.6 | 11.56 | 28.78 | 2.12 | 3.03 | 25,537 | 15,507 | 75.21 | 14.55 |
| 71 | Center Bancorp (CNBC) | Union, NJ | 1,673,082 | 308.2 | 11.5 | 12.07 | 1.22 | 3.3 | 19,925 | 4,847 | 46.88 | 12.9 |
| 72 | HMN Financial (HMNF) | Rochester, MN | 648,622 | 44.5 | 11.41 | 42.22 | 4.55 | 3.44 | 26,670 | 7,312 | 86.21 | 20.78 |
| 73 | ConnectOne Bancorp (CNOB) | Englewood Cliffs, NJ | 1,243,228 | 247.6 | 11.4 | 8.96 | 0.96 | 3.87 | 10,270 | 1,202 | 49.12 | 12.91 |
| 74 | Steuben Trust Corp. (SBHO) | Hornell, NY | 439,026 | 49.9 | 11.38 | 11.34 | 1.12 | 4.02 | 4,746 | 4,689 | 62.3 | 17.88 |
| 75 | Southeastern Bank Financial (SBFC) | Augusta, GA | 1,689,326 | 144.3 | 11.24 | 12.09 | 0.97 | 3.35 | 16,346 | 19,242 | 55.14 | 15.44 |
| 76 | Commonwealth Business Bank (CWBB) | Los Angeles, CA | 570,155 | 86.2 | 11.22 | 15.41 | 1.85 | 3.86 | 9,264 | 9,740 | 49.77 | 14.81 |
| 77 | Tower Financial Corp. (TOFC) | Fort Wayne, IN | 690,553 | 112.2 | 11.19 | 12.94 | 1.18 | 3.26 | 8,111 | 8,949 | 71.06 | 16.38 |
| 78 | Bank of Utica (BKUT) | Utica, NY | 951,530 | 119 | 11.19 | 10.98 | 1.62 | 2.33 | 15,083 | 2,617 | 28.26 | 20.28 |
| 79 | FPB Financial Corp. (FPBF) | Hammond, LA | 206,016 | 19.2 | 11.11 | 10.72 | 0.99 | 4.8 | 1,989 | 2,327 | 71.75 | 18.13 |
| 80 | Bank of Marin Bancorp (BMRC) | Novato, CA | 1,805,194 | 266.1 | 11.08 | 8.86 | 0.96 | 4.26 | 14,270 | 7,839 | 59.25 | 13.21 |
| 81 | Woodlands Financial Services (WDFN) | Williamsport, PA | 332,152 | 32.8 | 11.06 | 9.46 | 0.81 | 3.46 | 2,625 | 3,006 | 69.59 | 13.27 |
| 82 | Bank of South Carolina Corp. (BKSC) | Charleston, SC | 340,894 | 66.1 | 11.06 | 11.72 | 1.23 | 3.79 | 4,077 | 2,496 | 58.78 | 14.67 |
| 83 | Farmers and Merchants Bank (FMFG) | Upperco, MD | 300,000 | 29 | 10.99 | 11.46 | 1.16 | 4.57 | 3,261 | 1,482 | 61.94 | 12.89 |
| 84 | Northumberland Bancorp (NUBC) | Northumberland, PA | 476,023 | 44.1 | 10.87 | 10 | 0.88 | 2.82 | 4,198 | 3,747 | 62.28 | 20.57 |
| 85 | Bank of Kentucky Financial Corp. (BKYF) | Crestview Hills, KY | 1,857,492 | 288.1 | 10.85 | 11.39 | 1.1 | 3.44 | 19,765 | 24,272 | 57.77 | 13.37 |
| 86 | Heartland BancCorp (HLAN) | Gahanna, OH | 580,384 | 57.3 | 10.84 | 9.54 | 0.91 | 4.1 | 5,216 | 3,647 | 65 | 14.7 |
| 87 | Honat Bancorp (HONT) | Honesdale, PA | 582,717 | 107.7 | 10.76 | 9.69 | 1.29 | 3.95 | 7,434 | 5,129 | 54.81 | 19.19 |
| 88 | Virginia Heritage Bank (VGBK) | Vienna, VA | 894,841 | 119.1 | 10.76 | 10.79 | 1.1 | 3.56 | 9,000 | 10,119 | 62.51 | 14.86 |
| 89 | Mifflinburg Bancorp (MIFF) | Mifflinburg, PA | 349,150 | 24.8 | 10.75 | 10.94 | 1.14 | 3.44 | 3,818 | 2,178 | 56.32 | 16.1 |
| 90 | First Robinson Financial Corp. (FRFC) | Robinson, IL | 264,291 | 17.7 | 10.74 | 9.74 | 0.88 | 3.44 | 2,047 | 2,728 | 64.8 | 14.74 |
| 91 | Commercial National Financial (CEFC) | Ithaca, MI | 367,262 | 26 | 10.73 | 11.68 | 0.67 | 3.31 | 2,497 | 1,594 | 67.05 | 15.56 |
| 92 | F.S. Bancorp (FXLG) | Lagrange, IN | 526,666 | 52.5 | 10.72 | 11.14 | 1.07 | 4.12 | 5,384 | 4,886 | 65.84 | 14.47 |
| 93 | Columbus Community Bank (CCBK) | Columbus, GA | 122,816 | NA | 10.72 | 16.41 | 1.76 | 3.91 | 2,067 | 284 | 68.1 | 16.69 |
| 94 | Jonestown Bank and Trust Co. (JNES) | Jonestown, PA | 432,000 | 42.2 | 10.66 | 9.88 | 0.97 | 3.82 | 4,000 | 2,910 | 61.42 | 12.62 |
| 95 | Peoples Limited (PPLL) | Wyalusing, PA | 272,175 | 24.7 | 10.63 | 11.69 | 0.96 | 3.9 | 2,530 | 2,334 | 72.73 | 13.11 |
| 96 | First Keystone Corp. (FKYS) | Berwick, PA | 901,565 | 140.8 | 10.63 | 10.12 | 1.23 | 3.71 | 10,273 | 4,905 | 58.77 | 14.92 |
| 97 | First Manitowoc Bancorp (BFNC) | Manitowoc, WI | 1,060,887 | 124.8 | 10.63 | 11.6 | 1.15 | 3.64 | 11,564 | 6,661 | 53.51 | 12.46 |
| 98 | Citizens National Bancshares (CNBL) | Bossier City, LA | 745,840 | 103.2 | 10.55 | 10.74 | 1.13 | 4.34 | 8,087 | 5,576 | 64.81 | 15.17 |
| 99 | Dimeco (DIMC) | Honesdale, PA | 608,888 | 65 | 10.55 | 10.19 | 1.02 | 3.98 | 6,139 | 4,412 | 57.76 | 13.54 |
| 100 | Preferred Bank (PFBC) | Los Angeles, CA | 1,768,959 | 347 | 10.45 | 9.75 | 1.18 | 3.95 | 19,199 | 3,960 | 44.74 | 15.03 |
| 101 | Georgia-Carolina Bancshares (GECR) | Augusta, GA | 516,498 | 51.2 | 10.43 | 10.68 | 1.26 | 3.55 | 6,204 | 11,776 | 74.35 | 17.44 |
| 102 | Valley Financial Corp. (VYFC) | Roanoke, VA | 825,346 | 54 | 10.41 | 11.05 | 0.86 | 3.74 | 6,835 | 4,711 | 64.23 | 14.2 |
| 103 | Iowa First Bancshares Corp. (IOFB) | Muscatine, IA | 433,925 | 33.8 | 10.4 | 9.15 | 0.79 | 3.24 | 3,480 | 3,349 | 65.87 | 12.8 |
| 104 | Commercial Bancshares (CMOH) | Upper Sandusky, OH | 317,998 | 26.7 | 10.34 | 9.97 | 1 | 4.63 | 3,055 | 2,163 | 66.8 | 12.6 |
| 105 | CB Financial Services (CBFV) | Carmichaels, PA | 546,486 | 48.7 | 10.3 | 9.47 | 0.79 | 3.12 | 4,256 | 3,221 | 68.07 | 13.38 |
| 106 | Truxton Corp. (TRUX) | Nashville, TN | 329,000 | 42.7 | 10.3 | 11.91 | 1.16 | 3.2 | 3,573 | 5,675 | 66.01 | 15.55 |
| 107 | Community Bancorp. (CMTV) | Derby, VT | 573,667 | 68.2 | 10.26 | 11.44 | 0.9 | 3.83 | 5,087 | 5,988 | 69.94 | 13.09 |
| 108 | Solvay Bank Corp. (SOBS) | Solvay, NY | 686,029 | 68.1 | 10.26 | 9.82 | 0.98 | 3.4 | 6,382 | 4,728 | 60.49 | 20.27 |
| 109 | Ames National Corp. (ATLO) | Ames, IA | 1,233,084 | 199.4 | 10.22 | 9.76 | 1.14 | 3.18 | 13,954 | 6,715 | 47.42 | 17.2 |
| 110 | BancAffiliated (BAFI) | Arlington, TX | 409,634 | 43.1 | 10.21 | 10.1 | 1.01 | 5.14 | 3,919 | 17,095 | 79.14 | 15.7 |
| 111 | Sunwest Bank (SWBC) | Irvine, CA | 677,738 | 75.1 | 10.18 | 12.93 | 1.75 | 5.66 | 11,860 | 10,338 | 55.68 | 17.42 |
| 112 | Redwood Financial (REDW) | Redwood Falls, MN | 223,190 | 12.6 | 10.18 | 9.19 | 1.17 | 4.71 | 2,450 | 2,014 | 62.47 | 11.67 |
| 113 | F & M Bank Corp. (FMBM) | Timberville, VA | 552,788 | 59.1 | 10.18 | 9.43 | 0.86 | 4.02 | 4,823 | 4,032 | 58.35 | 15.37 |
| 114 | PSB Holdings (PSBQ) | Wausau, WI | 711,541 | 53.1 | 10.16 | 8.37 | 0.68 | 3.38 | 4,744 | 5,569 | 57.75 | 13.88 |
| 115 | Santa Cruz County Bank (SCZC) | Santa Cruz, CA | 398,248 | 37.4 | 10.14 | 10.6 | 0.87 | 4.06 | 3,312 | 3,298 | 69.41 | 13.02 |
| 116 | Merchants Financial Group (MFGI) | Winona, MN | 1,366,017 | 91.5 | 10.14 | 10.12 | 0.88 | 4.11 | 11,612 | 15,813 | 71.52 | 13.39 |
| 117 | Evans Bancorp (EVBN) | Hamburg, NY | 833,498 | 95.7 | 10.13 | 10.06 | 0.96 | 3.69 | 7,857 | 11,445 | 73.28 | 14.9 |
| 118 | Bar Harbor Bankshares (BHB) | Bar Harbor, ME | 1,373,893 | 149 | 10.13 | 10.52 | 0.98 | 3.15 | 13,183 | 7,139 | 55.17 | 16.62 |
| 119 | Fidelity D & D Bancorp (FDBC) | Dunmore, PA | 623,825 | 67.5 | 10.11 | 11.7 | 1.15 | 3.8 | 7,122 | 7,373 | 63.52 | 15.18 |
| 120 | LCNB Corp. (LCNB) | Lebanon, OH | 932,338 | 162.4 | 10.04 | 9.02 | 0.93 | 3.57 | 8,780 | 8,030 | 63.1 | 18.65 |
| 121 | Bay Commercial Bank (BCML) | Walnut Creek, CA | 342,304 | 49.3 | 10.03 | 5.17 | 0.84 | 4.07 | 2,690 | 628 | 62.66 | 20.53 |
| 122 | CapStone Bank (CPSE) | Raleigh, NC | 381,604 | 58 | 10 | 20.91 | 2.42 | 4.34 | 8,756 | 5,507 | 43.16 | 15.27 |
| 123 | University Bancorp (UNIB) | Ann Arbor, MI | 108,971 | 33.3 | 10 | 13.12 | 1.21 | 4.39 | 1,294 | 27,647 | 87.62 | 21.1 |
| 124 | Americas United Bank (AUNB) | Glendale, CA | 119,518 | 20.9 | 9.99 | 19.6 | 3.4 | 3.39 | 3,934 | 440 | 86.43 | 24.38 |
| 125 | Pioneer Bankshares (PNBI) | Stanley, VA | 173,519 | 19.9 | 9.98 | 10.61 | 1.3 | 5.62 | 2,250 | 1,565 | 63.79 | 15.53 |
| 126 | Parke Bancorp (PKBK) | Sewell, NJ | 794,943 | 66.8 | 9.96 | 9.04 | 1.04 | 4.36 | 7,839 | 4,792 | 39.93 | 17.04 |
| 127 | River Valley Bancorp (RIVR) | Madison, IN | 482,837 | 41.4 | 9.94 | 12.69 | 0.92 | 3.41 | 4,440 | 4,220 | 65.41 | 14.04 |
| 128 | Provident Financial Holdings (PROV) | Riverside, CA | 1,134,062 | 153.4 | 9.93 | 8.44 | 1.11 | 2.69 | 13,243 | 48,115 | 76.4 | 21.06 |
| 129 | Community Bank Shares of Ind. (CBIN) | New Albany, IN | 848,336 | 76.5 | 9.92 | 10.03 | 1.04 | 4.24 | 8,667 | 6,063 | 69.48 | 18.47 |
| 130 | FFD Financial Corp. (FFDF) | Dover, OH | 250,697 | 23.6 | 9.91 | 10.34 | 0.93 | 3.87 | 2,281 | 1,302 | 61.61 | 12.55 |
| 131 | Eagle Financial Services (EFSI) | Berryville, VA | 584,380 | 78.6 | 9.83 | 11.04 | 1.23 | 4.22 | 7,158 | 6,344 | 68.37 | 18.42 |
| 132 | County Commerce Bank (CNYB) | Oxnard, CA | 223,585 | 24.9 | 9.81 | 9.29 | 0.86 | 3.31 | 1,805 | 309 | 59.57 | 16.42 |
| 133 | GNB Financial Services (GNBF) | Gratz, PA | 183,777 | 29.3 | 9.8 | 9.55 | 1.3 | 3.8 | 2,403 | 919 | 51.32 | 24.04 |
| 134 | Benton Financial Corp. (BTOF) | Fowler, IN | 134,865 | 10.8 | 9.78 | 8.48 | 1.08 | 3.93 | 1,523 | 615 | 64.53 | 20.72 |
| 135 | NorthWest Indiana Bancorp (NWIN) | Munster, IN | 693,453 | 76.1 | 9.78 | 10.17 | 1.03 | 3.77 | 7,118 | 4,712 | 68.02 | 15.6 |
| 136 | Auburn National Bancorp. (AUBN) | Auburn, AL | 751,343 | 90.2 | 9.76 | 10.33 | 0.94 | 3.16 | 7,118 | 5,629 | 63.74 | 18.4 |
| 137 | MidWestOne Financial Group (MOFG) | Iowa City, IA | 1,755,218 | 210.1 | 9.67 | 10.59 | 1.06 | 3.46 | 18,607 | 14,781 | 57.09 | 14.62 |
| 138 | Jeff Davis Bancshares (JDVB) | Jennings, LA | 731,546 | 85.8 | 9.59 | 9.22 | 0.9 | 4.47 | 6,409 | 8,584 | 72.43 | 15.52 |
| 139 | Northrim BanCorp (NRIM) | Anchorage, AK | 1,215,006 | 166.8 | 9.58 | 8.81 | 1.07 | 4.23 | 12,412 | 12,553 | 70.15 | 16.61 |
| 140 | Mauch Chunk Trust Financial (MCHT) | Jim Thorpe, PA | 314,943 | 42.4 | 9.57 | 10.33 | 1.04 | 3.66 | 3,300 | 2,892 | 64.19 | 16.98 |
| 141 | Hamlin Bank and Trust Co. (HMLN) | Smethport, PA | 434,006 | 97 | 9.56 | 10.04 | 1.44 | 3.52 | 6,188 | 1,415 | 49.52 | 26.98 |
| 142 | First Bankers Trustshares (FBTT) | Quincy, IL | 775,640 | 60.1 | 9.55 | 8.49 | 0.72 | 2.8 | 5,695 | 13,182 | 71.08 | 14.66 |
| 143 | John Marshall Bank (JMSB) | Reston, VA | 662,540 | 148.7 | 9.53 | 11.67 | 1.18 | 4.45 | 7,089 | 371 | 56.24 | 15.72 |
| 144 | First BancTrust Corp. (FIRT) | Paris, IL | 407,345 | 31.1 | 9.5 | 8.59 | 0.78 | 3.65 | 3,066 | 4,347 | 67.22 | 14.6 |
| 145 | Virginia National Bankshares (VABK) | Charlottesville, VA | 512,994 | 59.5 | 9.5 | 12.63 | 1.4 | 3.21 | 6,896 | 17,804 | 67.44 | 18 |
| 146 | American National Bankshares (AMNB) | Danville, VA | 1,307,512 | 177.5 | 9.49 | 9.52 | 1.2 | 4.1 | 15,747 | 10,635 | 54.13 | 18.14 |
| 147 | CCFNB Bancorp (CCFN) | Bloomsburg, PA | 624,010 | 78 | 9.48 | 9.05 | 1.1 | 3.32 | 6,818 | 6,019 | 58.6 | 21.1 |
| 148 | Country Bank Holding Co. (CYHC) | New York, NY | 514,970 | 27 | 9.45 | 8.04 | 0.65 | 3.6 | 3,031 | 700 | 68.38 | 12.85 |
| 149 | Ohio Valley Banc Corp. (OVBC) | Gallipolis, OH | 747,368 | 91 | 9.43 | 10.4 | 1.04 | 4.5 | 8,112 | 9,210 | 68.14 | 16.8 |
| 150 | Teche Holding Co. (TSH) | New Iberia, LA | 876,723 | 166.7 | 9.41 | 9.08 | 0.95 | 3.97 | 8,074 | 15,823 | 74.22 | 15.75 |
| 151 | Citizens B & T Holdings (CBTH) | Guntersville, AL | 315,933 | NA | 9.4 | 8.94 | 0.9 | 4.48 | 2,804 | 2,175 | 64.53 | 13.64 |
| 152 | Centrix Bank & Trust (CXBT) | Bedford, NH | 907,683 | 128.8 | 9.39 | 9.2 | 0.88 | 3.61 | 7,659 | 1,371 | 57.04 | 13.2 |
| 153 | Premier Valley Bank (PVLY) | Fresno, CA | 576,332 | 76.1 | 9.37 | 9.7 | 1.17 | 3.68 | 6,541 | 3,643 | 58.36 | 14.52 |
| 154 | Lighthouse Bank (LGHT) | Santa Cruz, CA | 157,975 | 23.8 | 9.36 | 10.69 | 1.44 | 4.62 | 2,323 | 348 | 50.59 | 18.46 |
| 155 | Highlands Bancorp (HSBK) | Vernon, NJ | 223,449 | 11.1 | 9.35 | 10.82 | 1.1 | 4.08 | 2,270 | 551 | 79.47 | 10.53 |
| 156 | Keweenaw Financial Corp. (KEFI) | Hancock, MI | 547,809 | 53.2 | 9.33 | 9.17 | 1 | 3.23 | 5,540 | 3,066 | 56.77 | 22.92 |
| 157 | Diamond Bancshares (DMNB) | Antwerp, OH | 88,500 | 4.6 | 9.3 | 8.59 | 0.83 | 3.82 | 756 | 313 | 67.37 | 15.76 |
| 158 | Carolina Bank Holdings (CLBH) | Greensboro, NC | 661,807 | 34.9 | 9.28 | 7.58 | 0.6 | 3.59 | 4,010 | 14,062 | 72.79 | 13.88 |
| 159 | Old Line Bancshares (OLBK) | Bowie, MD | 1,167,223 | 183 | 9.24 | 7.68 | 0.73 | 4.5 | 7,747 | 8,384 | 61.73 | 12.5 |
| 160 | National Capital Bank (NACB) | Washington, DC | 424,506 | 83.4 | 9.23 | 6.99 | 0.66 | 2.81 | 2,787 | 1,334 | 59.16 | 19.76 |
| 161 | Codorus Valley Bancorp (CVLY) | York, PA | 1,150,641 | 117.6 | 9.22 | 10.08 | 0.96 | 3.83 | 10,566 | 7,671 | 62.11 | 13.89 |
| 162 | United Tenn. Bankshares (UNTN) | Newport, TN | 182,640 | 11.8 | 9.21 | 9.43 | 0.89 | 3.66 | 1,656 | 436 | 51.48 | 23.1 |
| 163 | Norwood Financial Corp. (NWFL) | Honesdale, PA | 711,234 | 104.2 | 9.21 | 9.13 | 1.23 | 4 | 8,465 | 3,964 | 53.66 | 17.66 |
| 164 | Enterprise Bancorp (EBTC) | Lowell, MA | 1,849,925 | 199.3 | 9.19 | 9.32 | 0.78 | 4.07 | 13,529 | 12,432 | 69.82 | 11.35 |
| 165 | Cornerstone Community (CRSB) | Red Bluff, CA | 121,856 | 11 | 9.18 | 9.1 | 0.9 | 4.24 | 1,073 | 589 | 80.64 | 13.27 |
| 166 | Northeast Indiana Bancorp (NIDB) | Huntington, IN | 268,626 | 26.4 | 9.16 | 8.91 | 0.92 | 3.36 | 2,477 | 2,787 | 61.8 | 17.72 |
| 167 | Farmers Bancorp (FABP) | Frankfort, IN | 446,375 | 41.2 | 9.16 | 10.75 | 1.07 | 3.95 | 4,753 | 5,135 | 64.82 | 13.86 |
| 168 | Consumers Bancorp (CBKM) | Minerva, OH | 364,179 | 53 | 9.15 | 8.07 | 0.76 | 3.89 | 2,683 | 2,726 | 72.71 | 15.6 |
| 169 | First Sentry Bancshares (FTSB) | Huntington, WV | 490,157 | 40.3 | 9.15 | 8.11 | 0.71 | 3.72 | 3,491 | 1,580 | 51.25 | 13.45 |
| 170 | First Mid-Illinois Bancshares (FMBH) | Mattoon, IL | 1,605,498 | 123.6 | 9.13 | 9.56 | 0.94 | 3.47 | 14,722 | 17,048 | 62.48 | 15.58 |
| 171 | Washington Banking Co. (WBCO) | Oak Harbor, WA | 1,683,988 | 275.7 | 9.13 | 7.99 | 0.88 | 4.65 | 14,496 | 20,200 | 56.97 | 19.76 |
| 172 | Kish Bancorp (KISB) | Reedsville, PA | 630,081 | 44.5 | 9.13 | 9.81 | 0.69 | 3.04 | 4,217 | 6,100 | 84.19 | 13.16 |
| 173 | American Riviera Bank (ARBV) | Santa Barbara, CA | 183,305 | 26.2 | 9.1 | 5.82 | 0.8 | 4.99 | 1,401 | 467 | 72.42 | 17.97 |
| 174 | Turbotville Natl Bancorp (TVNB) | Turbotville, PA | 124,266 | 15.8 | 9.09 | 8.81 | 1.27 | 3.56 | 1,605 | 475 | 46.87 | 26.72 |
| 175 | Kentucky Bancshares (KTYB) | Paris, KY | 769,434 | 67.3 | 9.07 | 8.77 | 0.86 | 3.62 | 6,292 | 10,322 | 74.22 | 14.22 |
| 176 | First National Bank of Groton (FIGR) | Groton, NY | 142,968 | 23.3 | 9.06 | 9.76 | 1.34 | 4.86 | 1,898 | 885 | 56.5 | 28.89 |
| 177 | Mid Penn Bancorp (MPB) | Millersburg, PA | 713,125 | 50.7 | 9.04 | 9.36 | 0.71 | 3.77 | 4,939 | 3,062 | 68.34 | 11.1 |
| 178 | Blue Ridge Bankshares (BRBS) | Luray, VA | 214,729 | 14.9 | 9.03 | 10.23 | 0.87 | 3.44 | 1,845 | 940 | 60.86 | 15.04 |
| 179 | Madison County Financial (MCBK) | Madison, NE | 290,095 | 55.6 | 9.02 | 4.8 | 1.08 | 3.74 | 3,019 | 1,856 | 53.49 | 18.31 |
| 180 | Bancorp. of Southern Ind. (BCSO) | Seymour, IN | 440,850 | 28.3 | 9.01 | 8.89 | 0.8 | 3.33 | 3,512 | 4,869 | 66.53 | 16.01 |
| 181 | ENB Financial Corp (ENBP) | Ephrata, PA | 812,300 | 84.9 | 9 | 8.93 | 0.96 | 2.91 | 7,710 | 6,180 | 79.18 | 17.87 |
| 182 | FNBPA Bancorp (FNBP) | Port Allegany, PA | 94,194 | 9.2 | 9 | 9.99 | 0.97 | 3.95 | 942 | 373 | 63.3 | 24.93 |
| 183 | Denali Bancorp. (DENI) | Fairbanks, AK | 260,845 | NA | 8.99 | 7.31 | 0.69 | 4.39 | 1,804 | 2,643 | 78.15 | 16.56 |
| 184 | ACNB Corp. (ACNB) | Gettysburg, PA | 1,046,047 | 109.6 | 8.9 | 9 | 0.9 | 3.48 | 9,315 | 11,703 | 67.96 | 15.37 |
| 185 | River City Bank (RCBC) | Sacramento, CA | 1,234,145 | 130.7 | 8.89 | 8.73 | 0.96 | 3.33 | 11,485 | 4,949 | 51.04 | 17.44 |
| 186 | IFB Holdings (IFBH) | Chillicothe, MO | 66,698 | 3.4 | 8.88 | 9.05 | 1.16 | 3.89 | 767 | 498 | 52.86 | 30.84 |
| 187 | Crystal Valley Financial (CYVF) | Middlebury, IN | 403,525 | 34.6 | 8.87 | 11.28 | 1.14 | 4.07 | 4,503 | 3,662 | 74.06 | 14.7 |
| 188 | Pontiac Bancorp (PONT) | Pontiac, IL | 488,815 | 54.9 | 8.86 | 9.69 | 1.17 | 3.82 | 5,549 | 2,688 | 46.94 | 21.09 |
| 189 | Glen Burnie Bancorp (GLBZ) | Glen Burnie, MD | 377,194 | 33 | 8.86 | 8.07 | 0.68 | 3.69 | 2,614 | 1,656 | 72.8 | 14.14 |
| 190 | Jeffersonville Bancorp (JFBC) | Jeffersonville, NY | 428,772 | 52.9 | 8.85 | 9.99 | 1.07 | 4.5 | 4,620 | 3,035 | 68.31 | 18.28 |
| 191 | Valley Commerce Bancorp (VCBP) | Visalia, CA | 365,146 | 41.5 | 8.83 | 10.37 | 1.11 | 4.08 | 4,054 | 1,295 | 69.82 | 17.5 |
| 192 | DNB Financial Corp. (DNBF) | Downingtown, PA | 661,473 | 56.5 | 8.8 | 6.75 | 0.6 | 3.34 | 3,919 | 4,185 | 69.32 | 16.4 |
| 193 | Community Bankers Corp. (CTYP) | Indiana, PA | 282,312 | 18.4 | 8.8 | 9.7 | 0.54 | 3.2 | 1,572 | 435 | 85.72 | 13.41 |
| 194 | CSB Bancorp (CSBB) | Millersburg, OH | 596,465 | 53.8 | 8.78 | 9.93 | 0.9 | 3.51 | 5,240 | 4,159 | 62.97 | 13.56 |
| 195 | BankGuam Holding Co. (BKGMF) | Hagatna, GU | 1,283,008 | 80.1 | 8.76 | 10.45 | 0.77 | 4.81 | 9,868 | 11,065 | 75.83 | 12.24 |
| 196 | Oconomowoc Bancshares (OCNB) | Oconomowoc, WI | 810,193 | 55.6 | 8.76 | 8.34 | 0.65 | 3.45 | 5,011 | 10,617 | 75.99 | 12.38 |
| 197 | Harleysville Savings Financial (HARL) | Harleysville, PA | 809,273 | 66.5 | 8.74 | 7.89 | 0.6 | 2.31 | 4,814 | 2,704 | 63.31 | 13.94 |
| 198 | Peapack-Gladstone Financial (PGC) | Bedminster, NJ | 1,966,948 | 239.9 | 8.73 | 7.37 | 0.54 | 3.26 | 9,261 | 19,148 | 74.69 | 15.33 |
| 199 | Denver Bankshares (DNVB) | Denver, CO | 210,412 | 22.1 | 8.67 | 7.1 | 0.67 | 3.49 | 1,324 | 928 | 73.78 | 14.97 |
| 200 | Oak Valley Bancorp (OVLY) | Oakdale, CA | 671,853 | 77 | 8.66 | 9.01 | 0.91 | 4.13 | 5,886 | 3,249 | 67.8 | 14.61 |
| Median for top 200 companies | 602,677 | 59.46 | 10.44 | 10.33 | 1.05 | 3.79 | 6,263.00 | 4,720.00 | 64.38 | 15.49 | ||
| Median for all 851 companies | 377,662 | 34.95 | 5.7 | 6.41 | 0.67 | 3.61 | 2,312.00 | 2,393.00 | 74.46 | 16.03 | ||
Note: Ranking is of exchange-traded banks and thrifts with less than $2 billion in total assets as of Dec. 31, 2013. These are the most profitable 200 institutions of all 851 fitting our criteria. Excluded from the analysis are any with a leverage ratio less than 5%, a Tier 1 risk-based capital ratio of less than 6%, or a total risk-based capital capital ratio less than 10% as of Dec. 31, 2013. Also excluded are industrial banks and S corporations. Ranking based on the average return on equity for the three years ending Dec. 31, 2011, 2012 and 2013. Financial data based on GAAP filings. If unavailable, regulatory filing information was used. The data is for full-year 2013, except where indicated. All data is as of March 27. Market value is calculated using the most recently publicly available information regarding share count and closing price.
Source:
© 2014 American Banker Magazine
