Rank The Banks 2019 Q3 Disclosure Statement
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2 Rankings Per State
Bank Listing
Company Name - City - Parent Company - Date Established - Number of Offices - Total Employees - S Corp? - Total Assets - ROAA - ROAE Top 50 Ranking by… Total Assets
City - Total Employees- Number of Offices - Total Deposits - Deposits/Office - Assets/Office - Deposits/Employee - Assets/Employee - Total Assets Net Interest Margin
City - Total Assets - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin Noninterest Income
City - Total Assets - Net Income - Service Charge on Deposits/Avg Assets - Gain on Sale of Loans/Avg. Assets - Net Servicing Fees/Avg Assets - Net Gains on OREO/Avg. Assets - Total Noninterest Income - Noninterest Income/Avg Assets Total Overhead
City - Total Assets - Efficiency Ratio (FTE) - Total Employees - Number of Offices - Personnel Expense/Avg. Assets - Occupancy Expense/Avg. Assets - Other Expense/Avg. Assets - Total Overhead/Avg Assets
Asset Quality
City - Total Assets - Gross Loans - LLR/Gross Loans - Adj Loans 30-89PD/Gross Loans - Adj 90+ PD/Gross Loans - Adj NPLs + Adj OREO/Gross Loans - NCO/Avg Loans - Asset Quality Composite
ROAE
City - Total Assets - LTM Net Income - Total Employees - LTM Net Income/Employee – 2018Q3 LTM Net Income - 2017Q3 LTM Net Income - ROAA - ROAE
Overall
City - Total Assets - Net Interest Margin Rank - Noninterest Income Rank - Total Overhead Rank - Asset Quality Rank - ROAE Rank - Overall Rank
3 Calculation Notes
All data in this report is bank level and is as of or for the 12 months ending September 30, 2019 (unless noted otherwise)
For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 25% corporate tax rate
Asset quality index is the sum of: (Adjusted Loans 30-89 PD/Loans) + (Adjusted Loans 90 PD/Loans ) + (Adjusted NPLs/Loans) + (Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans). Adjustments are made to exclude loans for which repayment of principal is wholly or partially guaranteed by the US government
Overall ranking is based on an unweighted average of Net Interest Margin rank, Noninterest Income rank, Total Overhead rank, Asset Quality rank and ROAE rank
4 Excluded Banks
Excluded Banks: Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report Florida Chicago Trust Company, National Association Haverford Trust Company Amerant Bank, National Association COUNTRY Trust Bank Philadelphia Trust Company Amerant Trust, National Association Credit Agricole Corporate and Investment Bank - Chicago Branch SEI Private Trust Company Banco Davivienda S.A. Miami International Bank Branch First Savanna Savings Bank Vanguard National Trust Company, N.A. Banco De Bogota SA - Miami Agency FWBank Tennessee Banco De Credito Del Peru - Miami Agency Mega International Commercial Bank - Chicago Branch Studio Bank Banco de Credito e Inversiones, S.A., Miami Branch Mizuho Bank, Ltd - Chicago Branch Community Bank & Trust Banco de la Nacion Argentina - Miami Agency MUFG Bank - Chicago Branch Tennessee Bank & Trust Banco de Sabadell - Miami Branch Societe Generale - Chicago Branch Texas Banco Do Brasil Americas State Bank of India - Chicago Branch Bank of Austin Banco Do Brasil SA - Miami Branch UBC AG - Chicago Branch Bank of Montreal - Houston Agency Banco Do Estado Do RI - Miami Branch Wheaton College Trust Company, National Association Bank of Nova Scotia - Houston Branch Banco International de Costa Rica, S.A. Miami - Agency Indiana BBVA Bancomer S.A. - Houston Agency Banco Pichincha CA - Miami Agency New Covenant Trust Company, N.A. First Financial Trust & Asset Management Company, N.A. Banesco USA Kentucky Gulf Capital Bank Bank Hapoalim - Miami Representative Office Unified Trust Company, National Association Legacy Trust Company, National Association Barclays Bank PLC - Miami Branch Maryland MUFG Bank - Dallas Agency Canandaigua National Trust Company of Florida NXG Bank MUFG Bank - Houston Agency Coastal Community Bank Missouri Riyad Bank - Houston Agency Credit Agricole Corporate - Miami Agency Cooperatieve Centrale - Saint Louis Agency Royal Bank of Canada - Dallas Agency Desjardins Bank, National Association Country Club Trust Company, National Association Royal United Savings & Loan Association Federation Des Caisses - Florida Branch Edward Jones Trust Company Societe Generale - Dallas Agency Gulf Atlantic Bank National Advisors Trust Company Wells Fargo Bank South Central, National Association Gulfside Bank Stifel Bank and Trust Virginia MEMBERS Trust Company Stifel Trust Company, National Association E*TRADE Bank Natbank, National Association UMB Bank & Trust, National Association E*TRADE Savings Bank OUR Community Bank North Carolina Elizabeth Building & Loan Association Raymond James Trust, National Association American Bank & Trust HSBC Bank USA, National Assoc Silver River Community Bank Cedar Hill National Bank Old Point Trust & Financial Services, N.A. TCM Bank, National Association RBC Bank (Georgia), National Association Trustar Bank UBS AG - Miami Branch Triad Business Bank VisionBank UBS AG - Tampa Branch Ohio West Virginia Winter Park National Bank Credit First, N.A. Security National Trust Co. Georgia Ohio State Bank CIBC National Trust Company Private Trust Company, National Association Loyal Trust Bank Riverside Bank of Dublin Synovus Trust Company, National Association Trust Company of Toledo, National Association Tandem Bank Oklahoma Illinois Gateway First Bank Bank of China - Chicago Branch Watermark Bank Bank of Montreal - Chicago Branch Pennsylvania BMO Harris Central National Association First National Trust Company BNP Paribas - Chicago Branch Glenmede Trust Company, National Association Canadian Imperial Bank of Commerce - Chicago Branch 5 Rank The Banks Alabama – 2019 Q3 Alabama – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 22nd State Bank Louisville FEB Bancshares, Inc. 1/1/1917 5 41 Yes 135,032 (0.65) (6.74) Alamerica Bank Birmingham Alamerica BancCorp, Inc. 1/28/2000 1 8 Yes 20,738 (3.43) (17.84) AmeriFirst Bank Montgomery USAL Bancorp, Inc. 1/2/1916 5 45 No 185,330 0.67 6.34 AuburnBank Auburn Auburn National Bancorporation, Inc. 1/3/1907 8 164 No 825,744 1.15 10.55 Bank Independent Sheffield BancIndependent Incorporated 8/4/1947 29 588 No 1,706,599 1.47 15.18 Bank of Brewton Brewton 1/7/1889 2 21 No 47,274 0.48 2.18 Bank of Evergreen Evergreen 9/1/1932 1 15 No 60,379 0.89 6.69 Bank of Moundville Moundville Moundville Bancshares, Inc. 9/17/1907 1 13 No 93,483 0.41 4.59 Bank of Vernon Vernon First Vernon Bancshares, Inc. 11/11/1911 3 36 No 162,894 1.44 8.74 Bank of Walker County Jasper Relations Bancshares, Inc. 3/29/2004 1 20 Yes 71,868 0.65 6.28 Bank of York York 1/1/1911 2 24 Yes 102,190 0.51 4.99 BankSouth Dothan BancSouth Corporation 1/4/1928 2 23 Yes 182,181 0.97 4.73 BBVA USA Birmingham Banco Bilbao Vizcaya Argentaria, SA 3/2/1964 641 9,964 No 91,975,283 0.69 4.97 Brantley Bank and Trust Company Brantley Brantley Bancorp, Inc. 3/6/1946 2 19 No 69,182 1.38 9.18 Bryant Bank Tuscaloosa 6/10/2005 15 248 Yes 1,733,489 1.19 11.70 CB&S Bank, Inc. Russellville CBS Banc-Corp. 2/28/1906 55 520 No 1,915,471 0.93 7.57 CCB Community Bank Andalusia Southern National Corporation 7/1/1947 4 109 Yes 510,473 1.22 11.04 Central State Bank Calera Central State Bancorporation 2/5/1916 5 71 Yes 328,298 1.18 10.95 Cheaha Bank Oxford Cheaha Financial Group, Inc. 8/23/2000 4 46 No 206,696 1.51 11.31 Citizens Bank Enterprise Enterprise Capital Corporation, Inc. 2/5/1946 2 31 No 147,332 0.48 5.03 Citizens Bank Greensboro Citizens BancShares, Inc. 11/1/1976 1 14 No 96,354 1.18 8.34 Citizens Bank & Trust Guntersville Citizens B & T Holdings, Inc. 3/3/2003 8 114 No 541,762 1.09 11.42 Citizens Bank of Fayette Fayette F.B.H. Corporation 6/1/1913 2 25 Yes 190,054 0.62 3.02 Citizens Bank of Winfield Winfield Citizens Bancorp of Winfield, Inc. 5/22/1920 1 33 No 249,108 1.84 8.07 Citizens' Bank, Inc. Robertsdale Citizens' Capital Corporation 9/8/1981 3 35 Yes 107,012 0.40 3.29 Citizens State Bank Vernon Citizens Southern Bancshares, Inc. 9/9/1977 2 16 Yes 71,515 0.86 5.69 Commercial Bank of Ozark Ozark Commercial Bancshares of Ozark, Inc. 4/2/1959 2 22 Yes 91,456 0.44 5.22 Commonwealth National Bank Mobile CNB Bancorp, Inc. 2/19/1976 2 15 No 48,619 (0.62) (7.16) Community Bank & Trust - Alabama Union Springs Community Bankshares, Inc. 5/18/1990 1 14 No 45,584 0.44 6.23 Community Neighbor Bank Camden First Camden Bancshares, Inc. 5/1/1906 3 37 No 103,483 1.43 9.53 Community Spirit Bank Red Bay Independent Bancshares, Inc. 3/17/1908 5 39 No 149,161 0.53 4.86 Cullman Savings Bank (MHC) Cullman Cullman Savings Bank, MHC 10/1/1887 4 47 No 301,393 1.26 8.18 Escambia County Bank Flomaton 4/21/1924 1 18 Yes 74,383 0.32 2.14 EvaBank Cullman 10/13/1986 8 88 No 380,224 2.77 10.69 Exchange Bank of Alabama Altoona Gadsden Corporation 3/10/1909 5 72 No 288,365 1.04 7.57 Farmers & Merchants Bank Waterloo 7/1/1914 2 9 No 88,566 0.86 4.10 Farmers & Merchants Bank Piedmont F&M Financial Corp 4/12/1915 4 49 No 227,879 1.00 7.44 Farmers and Merchants Bank LaFayette Farmers & Merchants Bancshares, Inc. 1/30/1934 3 37 No 165,829 1.22 8.82 First Bank Wadley Peoples Independent Bancshares, Inc. 11/6/1907 5 27 Yes 87,664 1.29 12.64 First Bank of Alabama Talladega Firstbanc of Alabama, Inc. 1/1/1848 7 91 No 559,092 1.52 11.30 First Bank of Boaz Boaz First Boaz Bancorporation 1/1/1906 1 27 No 241,268 1.55 8.79 First Bank of Linden Linden First Linden Bancshares, Inc. 5/7/1904 1 13 No 80,486 0.77 5.15 First Cahawba Bank Selma 9/10/2007 4 31 No 127,044 0.66 5.55 First Citizens Bank Luverne First Citizens-Crenshaw Bancshares, Inc. 7/8/1980 5 64 No 244,318 1.46 10.85 First Community Bank of Central Alabama Wetumpka Central Alabama Bancshares, Inc. 8/28/2001 7 79 Yes 377,785 1.64 21.15
Source: S&P Global Market Intelligence 7 Alabama – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First Community Bank of Cullman Cullman Southern Community Bancshares, Inc. 1/1/1905 1 20 No 124,771 0.60 7.19 First Federal Bank, A FSB Tuscaloosa Southeastern Financial, Inc. 1/1/1958 3 102 Yes 141,099 0.99 9.13 First Fidelity Bank Fort Payne FBDC Financial Corporation 5/3/1965 3 23 No 101,647 0.71 7.70 First Financial Bank Bessemer FirstFed Bancorp, Inc. 5/17/1965 8 70 Yes 168,350 0.09 0.95 First Jackson Bank, Inc. Stevenson 1st Jackson Bancshares, Inc. 4/10/1981 6 44 No 276,271 1.51 12.76 First Metro Bank Muscle Shoals First Metro Bancorp 11/7/1988 9 120 No 673,262 1.60 13.85 First National Bank Hamilton Marion County Bancshares, Inc. 5/6/1976 7 90 Yes 283,707 1.25 7.37 First National Bank and Trust Atmore First Suncoast Trust Bancshares, Inc. 1/1/1915 4 50 Yes 154,565 0.44 4.00 First National Bank of Brundidge Brundidge First Brundidge Bancshares, Inc. 10/15/1904 2 25 No 83,079 0.64 3.79 First National Bank of Dozier Dozier First Dozier Bancshares, Inc. 3/10/1910 1 7 No 36,364 0.52 3.52 First National Bank of Hartford Hartford First Hartford Bancshares, Inc. 1/2/1905 3 50 Yes 121,503 0.57 3.95 First Progressive Bank Brewton 11/10/1977 1 10 No 30,289 0.13 0.48 First Southern Bank Florence FSB, LLC 1/1/1935 5 62 No 265,858 1.04 10.68 First Southern State Bank Stevenson First Bancshares of Stevenson, Inc. 10/1/1910 8 92 No 403,903 1.30 13.42 First State Bank of DeKalb County Fort Payne First State Bancshares of Dekalb County, Inc. 5/19/1982 5 55 No 193,332 1.19 10.09 First State Bank of the South, Inc. Sulligent First State Holding Corp. 4/20/1973 5 44 No 103,385 0.75 4.75 First US Bank Birmingham First US Bancshares, Inc. 1/21/1952 20 284 No 771,563 0.73 7.07 FirstState Bank Lineville First State Capital Corporation 8/24/1971 3 55 No 245,278 1.21 9.76 FNB Bank Scottsboro FNS Bancshares, Inc. 1/2/1900 16 167 No 688,251 1.19 9.92 Friend Bank Slocomb SNB Holdings, Inc. 10/1/1905 5 41 Yes 132,700 1.21 12.49 HNB First Bank Headland HNB Holding Company, Inc. 8/16/1933 3 35 Yes 157,698 1.13 11.12 HomeTown Bank of Alabama Oneonta HomeTown Bancorp of Alabama, Inc. 10/20/2003 5 59 No 382,128 1.83 12.65 Liberty Bank Geraldine First Bancorporation of Geraldine, Inc. 5/29/1971 6 49 No 148,002 0.90 7.96 Marion Bank and Trust Company Marion Marion Bancshares, Inc. 3/17/1934 4 46 Yes 287,940 0.87 7.60 Merchants & Farmers Bank of Greene County Eutaw Merchants and Farmers Bancshares, Inc. 1/2/1900 2 30 Yes 71,652 0.74 6.84 Merchants Bank of Alabama Cullman Merchants Financial Services, Inc. 1/1/1907 5 83 No 303,476 1.26 12.68 Merit Bank Huntsville Merit Bancorporation, Inc. 8/12/1935 4 27 No 64,099 (6.61) (24.57) Metro Bank Pell City 5/30/1989 9 167 No 762,078 1.58 10.26 MidSouth Bank Dothan MidSouth Bancorporation 1/1/1912 10 106 Yes 416,036 0.84 6.79 Millennial Bank Leeds 12/30/1997 1 15 No 79,037 0.37 2.89 NobleBank & Trust Anniston Noble Bancshares, Inc. 10/5/2005 5 61 No 266,803 0.28 2.84 North Alabama Bank Hazel Green BOLC Corp. 8/14/1989 4 37 No 114,240 0.67 5.20 Oakworth Capital Bank Birmingham Oakworth Capital, Inc. 3/31/2008 2 89 No 646,935 1.31 11.27 Peoples Bank of Alabama Cullman Altrust Financial Services, Inc. 10/24/1977 27 262 Yes 826,120 1.31 13.81 Peoples Bank of Greensboro Greensboro Greensboro Bancshares, Inc. 3/7/1904 1 18 Yes 91,071 0.77 8.69 Peoples Bank of Red Level Red Level Red Level Financial Corporation 8/1/1914 1 6 No 14,989 1.30 10.13 Peoples Exchange Bank Monroeville Peoples Exchange Bancshares, Inc. 9/18/1907 1 27 No 69,393 0.94 6.48 Peoples Independent Bank Boaz Peoples Independent Bancshares, Inc. 5/2/1988 9 83 Yes 305,520 1.03 9.53 PeoplesTrust Bank Hamilton Hometown Bancshares, Inc. 7/23/2004 3 27 No 104,371 1.36 11.33 Phenix-Girard Bank Phenix City Phenix-Girard Bancshares, Inc. 5/4/1904 4 40 Yes 190,561 0.88 5.74 Pinnacle Bank Jasper Pinnacle Bancshares, Inc. 11/1/1935 7 53 No 235,637 1.34 10.33 Premier Bank of the South Cullman FCB Bancshares, Inc. 11/30/1987 9 68 Yes 195,492 0.89 9.81 Progress Bank and Trust Huntsville Progress Financial Corporation 2/4/2008 9 186 No 1,209,240 1.00 7.89 Regions Bank Birmingham Regions Financial Corporation 5/7/1928 1,436 19,480 No 127,543,000 1.44 11.16 River Bank & Trust Prattville River Financial Corporation 4/3/2006 14 190 No 1,138,955 1.08 9.05
Source: S&P Global Market Intelligence 8 Alabama – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Robertson Banking Company Demopolis RBC, Inc. 1/1/1870 7 73 Yes 336,766 1.28 12.32 Samson Banking Company, Inc. Samson 1/27/1930 2 22 Yes 79,858 1.10 8.18 Security Federal Savings Bank Jasper Se-Fed Bancshares, Inc. 2/1/1971 1 12 Yes 35,392 0.46 3.68 ServisFirst Bank Birmingham ServisFirst Bancshares, Inc. 5/2/2005 20 506 No 9,004,818 1.77 18.20 Southern Bank Company Gadsden Southern Banc Company, Inc. 6/1/1936 4 30 No 96,556 0.49 4.28 Southern Independent Bank Opp Southern Independent Bancshares, Inc. 12/4/2006 3 39 No 241,970 1.08 9.24 Southern States Bank Anniston Southern States Bancshares, Inc. 8/27/2007 15 175 No 1,127,585 0.58 5.06 SouthFirst Bank Sylacauga SouthFirst Bancshares, Inc. 10/18/1949 3 33 No 78,904 (0.21) (1.84) SouthPoint Bank Birmingham SouthPoint Bancshares, Inc. 10/7/2005 4 78 No 407,319 1.34 14.77 State Bank & Trust Winfield Peoples Bancorporation, Inc. 10/3/1907 4 53 Yes 240,619 0.62 6.02 SunSouth Bank Dothan SunSouth Bancshares, Inc. 11/26/1954 2 19 No 107,121 0.28 4.54 Sweet Water State Bank Sweet Water Tombigbee Bancshares, Inc. 11/12/1913 4 31 Yes 97,892 0.74 6.59 Town-Country National Bank Camden 3/2/1978 1 34 Yes 109,468 1.60 8.81 Traders & Farmers Bank Haleyville Traders & Farmers Bancshares, Inc. 1/6/1906 9 94 No 367,274 0.91 6.04 Traditions Bank Cullman Traditions Bancshares, Inc. 8/4/2003 6 75 No 372,127 1.21 11.87 Trinity Bank Dothan Trinity Bancorp, Inc. 2/24/2006 3 30 No 165,127 1.32 13.23 Troy Bank & Trust Company Troy Trust No. 3 Under The Will of Charles Henderson 9/5/1906 11 139 No 946,085 1.07 9.13 Union State Bank Pell City Union Bancshares, Inc. 1/1/1903 13 111 No 206,181 0.43 6.40 United Bank Atmore United Bancorporation of Alabama, Inc. 1/4/1904 20 193 No 692,067 1.27 14.11 Valley State Bank Russellville Valley Bancshares, Inc. 4/4/1985 3 28 No 124,091 0.93 5.41 Vantage Bank of Alabama Albertville Vantage Bancshares, Inc. 11/6/2006 2 28 No 134,880 1.49 10.94 West Alabama Bank & Trust Reform West Alabama Capital Corp. 7/29/1944 14 159 No 636,111 1.17 8.56
Source: S&P Global Market Intelligence 9 Alabama – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 Regions Bank Birmingham 19,480 1,436 97,165,000 67,664 88,818 4,988 6,547 127,543,000 2 BBVA USA Birmingham 9,964 641 74,079,448 115,569 143,487 7,435 9,231 91,975,283 3 ServisFirst Bank Birmingham 506 20 7,734,727 386,736 450,241 15,286 17,796 9,004,818 4 CB&S Bank, Inc. Russellville 520 55 1,604,093 29,165 34,827 3,085 3,684 1,915,471 5 Bryant Bank Tuscaloosa 248 15 1,410,189 94,013 115,566 5,686 6,990 1,733,489 6 Bank Independent Sheffield 588 29 1,408,997 48,586 58,848 2,396 2,902 1,706,599 7 Progress Bank and Trust Huntsville 186 9 1,012,204 112,467 134,360 5,442 6,501 1,209,240 8 River Bank & Trust Prattville 190 14 982,900 70,207 81,354 5,173 5,995 1,138,955 9 Southern States Bank Anniston 175 15 983,535 65,569 75,172 5,620 6,443 1,127,585 10 Troy Bank & Trust Company Troy 139 11 831,457 75,587 86,008 5,982 6,806 946,085 11 Peoples Bank of Alabama Cullman 262 27 720,667 26,691 30,597 2,751 3,153 826,120 12 AuburnBank Auburn 164 8 725,203 90,650 103,218 4,422 5,035 825,744 13 First US Bank Birmingham 284 20 677,677 33,884 38,578 2,386 2,717 771,563 14 Metro Bank Pell City 167 9 639,380 71,042 84,675 3,829 4,563 762,078 15 United Bank Atmore 193 20 616,254 30,813 34,603 3,193 3,586 692,067 16 FNB Bank Scottsboro 167 16 585,522 36,595 43,016 3,506 4,121 688,251 17 First Metro Bank Muscle Shoals 120 9 590,873 65,653 74,807 4,924 5,611 673,262 18 Oakworth Capital Bank Birmingham 89 2 553,709 276,855 323,468 6,221 7,269 646,935 19 West Alabama Bank & Trust Reform 159 14 518,699 37,050 45,437 3,262 4,001 636,111 20 First Bank of Alabama Talladega 91 7 474,937 67,848 79,870 5,219 6,144 559,092 21 Citizens Bank & Trust Guntersville 114 8 465,263 58,158 67,720 4,081 4,752 541,762 22 CCB Community Bank Andalusia 109 4 427,752 106,938 127,618 3,924 4,683 510,473 23 MidSouth Bank Dothan 106 10 364,071 36,407 41,604 3,435 3,925 416,036 24 SouthPoint Bank Birmingham 78 4 367,508 91,877 101,830 4,712 5,222 407,319 25 First Southern State Bank Stevenson 92 8 358,379 44,797 50,488 3,895 4,390 403,903 26 HomeTown Bank of Alabama Oneonta 59 5 314,700 62,940 76,426 5,334 6,477 382,128 27 EvaBank Cullman 88 8 255,810 31,976 47,528 2,907 4,321 380,224 28 First Community Bank of Central Alabama Wetumpka 79 7 342,823 48,975 53,969 4,340 4,782 377,785 29 Traditions Bank Cullman 75 6 329,242 54,874 62,021 4,390 4,962 372,127 30 Traders & Farmers Bank Haleyville 94 9 288,508 32,056 40,808 3,069 3,907 367,274 31 Robertson Banking Company Demopolis 73 7 290,253 41,465 48,109 3,976 4,613 336,766 32 Central State Bank Calera 71 5 288,384 57,677 65,660 4,062 4,624 328,298 33 Peoples Independent Bank Boaz 83 9 266,753 29,639 33,947 3,214 3,681 305,520 34 Merchants Bank of Alabama Cullman 83 5 270,723 54,145 60,695 3,262 3,656 303,476 35 Cullman Savings Bank (MHC) Cullman 47 4 198,918 49,730 75,348 4,232 6,413 301,393 36 Exchange Bank of Alabama Altoona 72 5 244,225 48,845 57,673 3,392 4,005 288,365 37 Marion Bank and Trust Company Marion 46 4 238,820 59,705 71,985 5,192 6,260 287,940 38 First National Bank Hamilton 90 7 231,860 33,123 40,530 2,576 3,152 283,707 39 First Jackson Bank, Inc. Stevenson 44 6 224,744 37,457 46,045 5,108 6,279 276,271 40 NobleBank & Trust Anniston 61 5 238,858 47,772 53,361 3,916 4,374 266,803 41 First Southern Bank Florence 62 5 231,982 46,396 53,172 3,742 4,288 265,858 42 Citizens Bank of Winfield Winfield 33 1 142,118 142,118 249,108 4,307 7,549 249,108 43 FirstState Bank Lineville 55 3 201,930 67,310 81,759 3,671 4,460 245,278 44 First Citizens Bank Luverne 64 5 198,791 39,758 48,864 3,106 3,817 244,318 45 Southern Independent Bank Opp 39 3 192,895 64,298 80,657 4,946 6,204 241,970 46 First Bank of Boaz Boaz 27 1 173,837 173,837 241,268 6,438 8,936 241,268 47 State Bank & Trust Winfield 53 4 203,136 50,784 60,155 3,833 4,540 240,619 48 Pinnacle Bank Jasper 53 7 200,731 28,676 33,662 3,787 4,446 235,637 49 Farmers & Merchants Bank Piedmont 49 4 194,230 48,558 56,970 3,964 4,651 227,879 50 Cheaha Bank Oxford 46 4 177,052 44,263 51,674 3,849 4,493 206,696
Source: S&P Global Market Intelligence 10 Alabama – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 EvaBank Cullman 380,224 8.12 (5.24) 1.49 (4.78) 108.48 5.68 6.22 2 Traditions Bank Cullman 372,127 7.06 7.09 0.76 4.86 92.99 2.99 5.77 3 North Alabama Bank Hazel Green 114,240 7.72 10.38 0.90 13.86 80.26 2.61 5.68 4 Peoples Bank of Red Level Red Level 14,989 11.35 1.85 0.36 (5.49) 46.60 1.69 5.61 5 Bank Independent Sheffield 1,706,599 7.03 2.66 0.76 8.16 91.97 2.89 5.60 6 Millennial Bank Leeds 79,037 7.31 36.33 0.84 20.42 75.79 2.83 5.44 7 Sweet Water State Bank Sweet Water 97,892 6.98 (4.42) 0.81 2.45 78.93 2.76 5.27 8 First US Bank Birmingham 771,563 7.62 4.79 0.90 (5.35) 81.17 2.11 5.22 9 Merchants & Farmers Bank of Greene County Eutaw 71,652 6.83 21.09 0.66 20.26 77.99 2.94 5.17 9 Town-Country National Bank Camden 109,468 7.92 6.46 1.06 1.74 78.18 3.03 5.17 11 Peoples Exchange Bank Monroeville 69,393 6.76 10.70 0.70 1.18 84.62 2.72 5.07 12 Southern Bank Company Gadsden 96,556 8.15 (10.68) 1.19 7.12 69.79 2.38 4.94 13 Brantley Bank and Trust Company Brantley 69,182 7.23 15.06 0.48 (5.19) 56.12 3.84 4.87 13 Community Neighbor Bank Camden 103,483 6.87 5.93 0.57 (3.45) 74.76 2.51 4.87 15 First State Bank of DeKalb County Fort Payne 193,332 7.24 12.86 0.53 6.42 64.31 1.90 4.85 16 Friend Bank Slocomb 132,700 6.29 (3.11) 0.65 4.51 76.21 2.47 4.77 17 Peoples Bank of Alabama Cullman 826,120 5.89 0.66 0.70 6.21 86.27 2.56 4.57 18 Premier Bank of the South Cullman 195,492 6.26 3.94 0.60 0.53 76.86 2.39 4.52 19 Merit Bank Huntsville 64,099 7.72 41.05 0.35 84.02 46.41 2.72 4.51 20 FNB Bank Scottsboro 688,251 5.90 26.29 0.78 24.19 81.28 3.25 4.49 21 First Cahawba Bank Selma 127,044 5.76 3.35 0.86 28.00 74.74 2.49 4.48 22 HomeTown Bank of Alabama Oneonta 382,128 6.03 7.09 0.85 7.25 83.55 3.35 4.43 23 First Citizens Bank Luverne 244,318 6.42 1.00 0.78 (0.82) 75.30 3.04 4.41 24 First Bank of Alabama Talladega 559,092 6.02 10.12 0.75 8.69 76.08 3.42 4.39 25 First National Bank of Hartford Hartford 121,503 6.15 5.52 0.76 (1.10) 72.01 3.29 4.37 26 CCB Community Bank Andalusia 510,473 6.01 (0.47) 1.26 2.90 96.98 3.05 4.34 26 Liberty Bank Geraldine 148,002 6.50 2.76 0.97 5.72 62.55 3.35 4.34 28 Community Spirit Bank Red Bay 149,161 6.13 3.03 0.90 3.65 79.75 3.01 4.32 28 Bank of Walker County Jasper 71,868 5.84 2.92 0.73 1.38 82.30 2.33 4.32 28 Vantage Bank of Alabama Albertville 134,880 5.80 6.28 0.70 9.01 76.48 3.61 4.32 31 Farmers & Merchants Bank Piedmont 227,879 5.97 5.25 0.38 3.37 63.11 2.84 4.30 32 Robertson Banking Company Demopolis 336,766 5.59 6.79 0.87 9.63 89.12 2.68 4.29 33 First Community Bank of Central Alabama Wetumpka 377,785 5.82 5.70 0.68 5.72 75.25 2.85 4.25 34 Cheaha Bank Oxford 206,696 6.80 5.98 0.99 0.90 67.20 3.08 4.21 34 Trinity Bank Dothan 165,127 5.78 8.12 1.05 9.67 92.82 2.45 4.21 36 NobleBank & Trust Anniston 266,803 6.02 0.38 0.76 3.01 70.35 2.95 4.19 37 Bank of Evergreen Evergreen 60,379 5.87 (7.83) 0.64 (2.06) 67.35 2.86 4.18 38 Citizens Bank Enterprise 147,332 5.63 (3.62) 0.93 5.99 81.71 2.65 4.13 39 Central State Bank Calera 328,298 6.19 8.84 1.07 8.53 75.09 2.47 4.10 40 PeoplesTrust Bank Hamilton 104,371 5.71 7.04 0.90 3.14 82.87 2.84 4.09 41 Metro Bank Pell City 762,078 5.87 10.63 0.73 3.81 69.75 3.34 4.06 42 Merchants Bank of Alabama Cullman 303,476 5.57 0.88 0.45 1.62 66.79 2.51 4.04 43 AmeriFirst Bank Montgomery 185,330 5.30 5.57 0.78 2.17 87.48 3.06 4.03 43 First National Bank Hamilton 283,707 6.58 3.24 0.27 (0.52) 51.47 2.58 4.03 43 United Bank Atmore 692,067 5.47 10.74 0.42 7.74 72.73 2.41 4.03 46 Bank of Vernon Vernon 162,894 5.85 (1.06) 1.18 11.27 83.15 2.59 4.02 47 Cullman Savings Bank (MHC) Cullman 301,393 5.41 3.06 1.22 0.63 123.18 2.81 4.01 48 FirstState Bank Lineville 245,278 6.46 3.95 1.19 11.26 66.35 3.62 4.00 49 River Bank & Trust Prattville 1,138,955 5.40 18.37 0.69 35.01 77.84 2.73 3.99 50 First National Bank of Brundidge Brundidge 83,079 5.62 3.66 0.66 (5.89) 82.21 2.13 3.98
Source: S&P Global Market Intelligence 11 Alabama – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 First Federal Bank, A FSB Tuscaloosa 141,099 1,631 0.02 8.76 0.00 (0.02) 10,986 8.89 2 Peoples Bank of Alabama Cullman 826,120 14,050 0.96 0.08 0.00 0.02 14,643 1.82 3 Regions Bank Birmingham 127,543,000 1,786,114 0.60 0.06 0.10 0.01 2,060,355 1.66 4 Merchants & Farmers Bank of Greene County Eutaw 71,652 653 0.54 0.00 0.00 0.00 1,024 1.55 4 SouthPoint Bank Birmingham 407,319 5,057 0.12 1.25 0.00 0.01 5,882 1.55 6 HomeTown Bank of Alabama Oneonta 382,128 6,695 0.90 0.00 0.00 (0.01) 5,478 1.50 7 Community Bank & Trust - Alabama Union Springs 45,584 201 0.82 0.00 0.00 (0.05) 600 1.30 8 Oakworth Capital Bank Birmingham 646,935 8,031 0.07 0.00 0.00 0.00 7,811 1.28 9 Union State Bank Pell City 206,181 902 0.59 0.00 0.00 (0.01) 2,599 1.24 10 First National Bank and Trust Atmore 154,565 889 0.35 0.03 0.00 0.01 1,825 1.22 11 Merchants Bank of Alabama Cullman 303,476 3,640 0.53 0.00 0.00 (0.01) 3,408 1.18 12 Traditions Bank Cullman 372,127 4,414 0.53 0.04 0.00 0.00 4,149 1.14 13 First National Bank of Hartford Hartford 121,503 914 0.21 0.00 0.00 (0.01) 1,350 1.13 14 Bank Independent Sheffield 1,706,599 24,210 0.50 0.07 0.00 0.00 18,346 1.12 15 First Financial Bank Bessemer 168,350 200 1.14 0.00 0.00 (0.93) 1,829 1.11 15 United Bank Atmore 692,067 8,374 0.36 0.10 0.00 (0.02) 7,308 1.11 17 SouthFirst Bank Sylacauga 78,904 (176) 0.24 0.43 0.00 (0.02) 901 1.10 18 Community Neighbor Bank Camden 103,483 1,500 0.53 0.00 0.00 0.00 1,061 1.01 19 Premier Bank of the South Cullman 195,492 2,320 0.49 0.00 0.00 0.00 1,914 0.98 20 CB&S Bank, Inc. Russellville 1,915,471 16,004 0.37 0.08 0.00 0.03 16,378 0.95 20 First Community Bank of Central Alabama Wetumpka 377,785 8,003 0.29 0.00 0.00 0.01 3,478 0.95 22 Peoples Independent Bank Boaz 305,520 4,126 0.56 0.00 0.11 0.00 2,820 0.94 23 Commonwealth National Bank Mobile 48,619 (302) 0.66 0.00 0.00 0.10 445 0.91 23 NobleBank & Trust Anniston 266,803 736 0.42 0.19 0.00 0.00 2,375 0.91 23 Progress Bank and Trust Huntsville 1,209,240 11,617 0.04 0.22 0.00 0.00 10,537 0.91 23 West Alabama Bank & Trust Reform 636,111 7,292 0.44 0.02 0.00 0.00 5,665 0.91 27 First State Bank of the South, Inc. Sulligent 103,385 771 0.76 0.00 0.00 0.00 932 0.90 28 First National Bank Hamilton 283,707 4,789 0.35 0.00 0.00 0.00 2,512 0.88 29 Friend Bank Slocomb 132,700 2,111 0.52 0.01 0.00 (0.01) 1,134 0.87 29 BBVA USA Birmingham 91,975,283 629,702 0.27 0.03 0.00 0.00 794,225 0.87 31 Phenix-Girard Bank Phenix City 190,561 2,180 0.40 0.00 0.00 (0.19) 1,573 0.85 31 Bank of Vernon Vernon 162,894 2,211 0.33 0.10 0.00 0.00 1,303 0.85 31 First Bank Wadley 87,664 1,459 0.63 0.00 0.00 0.00 722 0.85 31 Security Federal Savings Bank Jasper 35,392 224 0.73 0.00 0.00 0.00 311 0.85 35 HNB First Bank Headland 157,698 2,266 0.21 0.00 0.00 0.00 1,264 0.84 36 Bank of Walker County Jasper 71,868 617 0.51 0.00 0.00 0.00 585 0.83 37 Community Spirit Bank Red Bay 149,161 772 0.38 0.00 0.00 0.00 1,196 0.81 37 Central State Bank Calera 328,298 4,971 0.23 0.09 0.00 (0.02) 2,564 0.81 37 Pinnacle Bank Jasper 235,637 3,034 0.40 0.00 0.00 0.00 1,837 0.81 40 FNB Bank Scottsboro 688,251 7,774 0.42 0.00 0.00 0.00 5,190 0.80 40 Town-Country National Bank Camden 109,468 2,305 0.60 0.00 0.00 0.00 872 0.80 42 Bank of York York 102,190 697 0.38 0.00 0.00 0.00 806 0.79 42 Robertson Banking Company Demopolis 336,766 5,437 0.37 0.00 0.00 (0.02) 2,491 0.79 44 River Bank & Trust Prattville 1,138,955 11,594 0.21 0.26 0.00 0.00 8,308 0.77 45 First Citizens Bank Luverne 244,318 3,586 0.31 0.00 0.00 0.01 1,846 0.75 45 PeoplesTrust Bank Hamilton 104,371 1,370 0.47 0.00 0.00 0.00 752 0.75 47 Millennial Bank Leeds 79,037 263 0.15 0.00 0.00 0.17 524 0.74 48 Bank of Evergreen Evergreen 60,379 527 0.53 0.00 0.00 0.02 424 0.71 49 Vantage Bank of Alabama Albertville 134,880 1,903 0.36 0.00 0.02 0.00 877 0.69 49 Samson Banking Company, Inc. Samson 79,858 1,167 0.42 0.00 0.00 0.00 546 0.69 49 Sweet Water State Bank Sweet Water 97,892 963 0.57 0.00 0.00 0.00 677 0.69
Source: S&P Global Market Intelligence 12 Alabama – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 ServisFirst Bank Birmingham 9,004,818 32.20 506 20 0.68 0.11 0.40 1.19 2 First Bank of Boaz Boaz 241,268 38.28 27 1 0.75 0.15 0.47 1.37 3 Citizens State Bank Vernon 71,515 52.50 16 2 0.59 0.35 0.44 1.38 4 Farmers & Merchants Bank Waterloo 88,566 56.09 9 2 1.08 0.14 0.33 1.55 5 Citizens Bank of Winfield Winfield 249,108 40.50 33 1 0.94 0.20 0.48 1.62 6 Citizens Bank Greensboro 96,354 49.85 14 1 0.99 0.21 0.50 1.69 7 Citizens Bank of Fayette Fayette 190,054 60.28 25 2 1.21 0.20 0.39 1.80 8 First Jackson Bank, Inc. Stevenson 276,271 45.74 44 6 1.03 0.20 0.58 1.81 9 First Metro Bank Muscle Shoals 673,262 48.14 120 9 1.27 0.26 0.46 1.98 10 Valley State Bank Russellville 124,091 59.89 28 3 1.17 0.27 0.59 2.03 11 BankSouth Dothan 182,181 58.95 23 2 1.45 0.23 0.38 2.06 12 State Bank & Trust Winfield 240,619 69.98 53 4 1.28 0.22 0.60 2.09 13 Southern Independent Bank Opp 241,970 59.57 39 3 1.06 0.17 0.93 2.16 14 AuburnBank Auburn 825,744 59.76 164 8 1.38 0.20 0.66 2.23 15 First Southern State Bank Stevenson 403,903 53.68 92 8 1.29 0.15 0.85 2.29 16 Bryant Bank Tuscaloosa 1,733,489 58.56 248 15 1.31 0.40 0.60 2.31 17 First Progressive Bank Brewton 30,289 86.18 10 1 0.93 0.31 1.09 2.33 18 BBVA USA Birmingham 91,975,283 60.64 9,964 641 1.16 0.24 0.94 2.34 19 First Fidelity Bank Fort Payne 101,647 73.82 23 3 1.19 0.35 0.83 2.37 20 First Bank of Alabama Talladega 559,092 51.59 91 7 1.17 0.34 0.89 2.40 21 Metro Bank Pell City 762,078 53.60 167 9 1.63 0.20 0.60 2.43 22 Bank of Moundville Moundville 93,483 88.05 13 1 0.98 0.27 1.21 2.45 23 First National Bank of Dozier Dozier 36,364 79.50 7 1 1.58 0.30 0.59 2.47 24 Cullman Savings Bank (MHC) Cullman 301,393 60.55 47 4 1.66 0.17 0.65 2.48 25 Marion Bank and Trust Company Marion 287,940 63.86 46 4 1.13 0.18 1.18 2.50 26 Farmers and Merchants Bank LaFayette 165,829 59.13 37 3 1.32 0.24 0.98 2.54 27 First Community Bank of Cullman Cullman 124,771 66.05 20 1 1.20 0.27 1.07 2.54 28 West Alabama Bank & Trust Reform 636,111 60.38 159 14 1.36 0.24 0.94 2.54 29 Troy Bank & Trust Company Troy 946,085 63.08 139 11 1.45 0.17 0.92 2.54 30 First Bank of Linden Linden 80,486 66.28 13 1 1.50 0.10 0.96 2.55 31 First Community Bank of Central Alabama Wetumpka 377,785 50.11 79 7 1.44 0.30 0.81 2.55 32 EvaBank Cullman 380,224 39.81 88 8 1.77 0.30 0.55 2.61 33 Phenix-Girard Bank Phenix City 190,561 68.24 40 4 1.67 0.19 0.77 2.64 34 PeoplesTrust Bank Hamilton 104,371 57.97 27 3 1.33 0.21 1.09 2.64 35 Traders & Farmers Bank Haleyville 367,274 69.92 94 9 1.61 0.27 0.76 2.65 36 Regions Bank Birmingham 127,543,000 54.71 19,480 1,436 1.48 0.37 0.81 2.65 37 Samson Banking Company, Inc. Samson 79,858 61.45 22 2 1.33 0.27 1.06 2.66 38 Progress Bank and Trust Huntsville 1,209,240 63.03 186 9 1.71 0.34 0.62 2.67 39 First Southern Bank Florence 265,858 64.14 62 5 1.64 0.24 0.80 2.67 40 Trinity Bank Dothan 165,127 59.27 30 3 1.21 0.51 0.97 2.69 41 Cheaha Bank Oxford 206,696 58.01 46 4 1.50 0.25 0.95 2.69 42 River Bank & Trust Prattville 1,138,955 61.10 190 14 1.56 0.27 0.89 2.72 43 Robertson Banking Company Demopolis 336,766 56.60 73 7 1.62 0.41 0.68 2.72 44 Vantage Bank of Alabama Albertville 134,880 56.27 28 2 1.36 0.20 1.16 2.72 45 First National Bank Hamilton 283,707 57.96 90 7 1.65 0.36 0.71 2.73 46 CCB Community Bank Andalusia 510,473 58.62 109 4 1.59 0.34 0.81 2.73 47 Exchange Bank of Alabama Altoona 288,365 66.26 72 5 1.71 0.44 0.60 2.75 48 Pinnacle Bank Jasper 235,637 61.85 53 7 1.61 0.36 0.81 2.79 49 Peoples Bank of Greensboro Greensboro 91,071 70.33 18 1 1.42 0.43 0.95 2.79 50 MidSouth Bank Dothan 416,036 70.85 106 10 1.70 0.36 0.74 2.80
Source: S&P Global Market Intelligence 13 Alabama – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 BankSouth Dothan 182,181 132,930 2.12 0.10 0.00 0.00 (0.08) 0.02 2 AuburnBank Auburn 825,744 466,667 1.03 0.13 0.02 0.04 0.00 0.19 3 Oakworth Capital Bank Birmingham 646,935 536,210 1.10 0.24 0.00 0.00 0.02 0.26 4 First National Bank of Dozier Dozier 36,364 7,645 1.73 0.35 0.00 0.00 (0.04) 0.31 5 Millennial Bank Leeds 79,037 52,376 1.01 0.34 0.00 0.00 0.02 0.36 6 Bryant Bank Tuscaloosa 1,733,489 1,036,607 0.99 0.04 0.00 0.31 0.02 0.37 7 Southern Independent Bank Opp 241,970 130,526 1.35 0.12 0.01 0.61 (0.25) 0.49 8 First Bank of Boaz Boaz 241,268 55,760 1.54 0.26 0.11 0.06 0.07 0.51 9 Bank of York York 102,190 47,169 1.10 0.43 0.00 0.04 0.05 0.52 10 First Cahawba Bank Selma 127,044 83,795 1.04 0.25 0.00 0.26 0.02 0.53 11 First Metro Bank Muscle Shoals 673,262 411,633 0.61 0.24 0.02 0.20 0.09 0.54 12 First Southern Bank Florence 265,858 210,742 1.43 0.03 0.04 0.48 (0.01) 0.54 13 Progress Bank and Trust Huntsville 1,209,240 968,346 0.90 0.07 0.00 0.42 0.07 0.56 14 Central State Bank Calera 328,298 216,537 1.37 0.35 0.00 0.19 0.19 0.73 15 First Jackson Bank, Inc. Stevenson 276,271 191,641 0.96 0.23 0.05 0.38 0.07 0.73 16 Robertson Banking Company Demopolis 336,766 258,668 1.29 0.64 0.00 0.14 0.00 0.78 17 MidSouth Bank Dothan 416,036 260,608 2.02 0.02 0.00 0.84 0.00 0.86 18 Cheaha Bank Oxford 206,696 119,205 1.21 0.13 0.02 0.55 0.19 0.89 19 Citizens Bank & Trust Guntersville 541,762 347,368 1.16 0.28 0.02 0.54 0.07 0.90 20 First National Bank Hamilton 283,707 119,347 1.34 0.63 0.00 0.05 0.25 0.92 21 SouthPoint Bank Birmingham 407,319 337,473 1.05 0.42 0.04 0.41 0.05 0.93 22 Samson Banking Company, Inc. Samson 79,858 36,155 1.37 0.74 0.12 0.00 0.10 0.95 23 Valley State Bank Russellville 124,091 65,955 1.86 0.64 0.12 0.23 0.03 1.02 24 Exchange Bank of Alabama Altoona 288,365 189,861 1.27 0.39 0.07 0.53 0.04 1.04 25 Pinnacle Bank Jasper 235,637 108,031 1.43 0.85 0.00 0.16 0.04 1.05 26 River Bank & Trust Prattville 1,138,955 767,353 0.99 0.32 0.01 0.75 0.08 1.16 27 Citizens State Bank Vernon 71,515 26,382 1.57 1.02 0.03 0.00 0.13 1.18 28 Trinity Bank Dothan 165,127 135,084 1.57 0.12 0.00 1.01 0.06 1.18 29 ServisFirst Bank Birmingham 9,004,818 7,030,759 1.10 0.26 0.08 0.58 0.30 1.22 30 First Southern State Bank Stevenson 403,903 229,028 1.53 0.69 0.02 0.41 0.16 1.28 31 HNB First Bank Headland 157,698 115,794 1.04 0.70 0.01 0.70 (0.02) 1.39 32 First Fidelity Bank Fort Payne 101,647 45,191 1.51 0.03 0.00 1.36 0.00 1.39 33 Cullman Savings Bank (MHC) Cullman 301,393 245,035 0.89 0.27 0.00 1.17 0.00 1.45 34 Brantley Bank and Trust Company Brantley 69,182 32,171 1.35 0.17 0.75 0.34 0.28 1.54 35 Premier Bank of the South Cullman 195,492 134,805 1.48 0.18 0.01 1.14 0.22 1.55 36 First Citizens Bank Luverne 244,318 149,691 1.76 0.35 0.00 1.17 0.09 1.61 37 Security Federal Savings Bank Jasper 35,392 14,683 1.14 1.27 0.31 0.00 0.12 1.71 38 First Community Bank of Central Alabama Wetumpka 377,785 257,969 2.30 0.85 0.00 0.82 0.06 1.73 39 CCB Community Bank Andalusia 510,473 415,019 0.98 0.07 0.02 1.32 0.34 1.75 40 First State Bank of the South, Inc. Sulligent 103,385 40,724 1.01 1.03 0.41 0.20 0.15 1.79 41 First US Bank Birmingham 771,563 555,338 1.02 1.00 0.00 0.51 0.38 1.89 42 Vantage Bank of Alabama Albertville 134,880 88,796 0.96 0.37 0.00 1.42 0.24 2.04 43 First Bank of Linden Linden 80,486 29,726 1.21 0.18 0.00 1.27 0.60 2.05 44 NobleBank & Trust Anniston 266,803 168,151 2.73 0.05 0.00 1.91 0.12 2.08 45 Friend Bank Slocomb 132,700 90,651 1.80 1.03 0.09 0.72 0.26 2.10 46 First Community Bank of Cullman Cullman 124,771 102,159 1.09 1.86 0.03 0.20 0.02 2.11 47 Regions Bank Birmingham 127,543,000 83,334,000 1.04 0.40 0.16 1.12 0.43 2.11 48 HomeTown Bank of Alabama Oneonta 382,128 262,962 0.70 1.08 0.00 0.89 0.19 2.16 49 AmeriFirst Bank Montgomery 185,330 136,561 1.40 0.29 0.00 1.46 0.41 2.16 50 Merchants Bank of Alabama Cullman 303,476 180,812 1.08 0.43 0.07 1.48 0.23 2.21
Source: S&P Global Market Intelligence 14 Alabama – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 First Community Bank of Central Alabama Wetumpka 377,785 8,003 79 101 7,412 6,752 1.64 21.15 2 ServisFirst Bank Birmingham 9,004,818 147,355 506 291 124,446 95,927 1.77 18.20 3 Bank Independent Sheffield 1,706,599 24,210 588 41 16,631 13,635 1.47 15.18 4 SouthPoint Bank Birmingham 407,319 5,057 78 65 3,672 3,683 1.34 14.77 5 United Bank Atmore 692,067 8,374 193 43 7,834 5,017 1.27 14.11 6 First Metro Bank Muscle Shoals 673,262 10,294 120 86 9,084 7,844 1.60 13.85 7 Peoples Bank of Alabama Cullman 826,120 14,050 262 54 8,966 1,398 1.31 13.81 8 First Southern State Bank Stevenson 403,903 5,127 92 56 4,920 3,994 1.30 13.42 9 Trinity Bank Dothan 165,127 2,095 30 70 816 1,479 1.32 13.23 10 First Jackson Bank, Inc. Stevenson 276,271 3,940 44 90 3,223 2,704 1.51 12.76 11 Merchants Bank of Alabama Cullman 303,476 3,640 83 44 2,460 1,908 1.26 12.68 12 HomeTown Bank of Alabama Oneonta 382,128 6,695 59 113 5,507 6,514 1.83 12.65 13 First Bank Wadley 87,664 1,459 27 54 1,057 1,135 1.29 12.64 14 Friend Bank Slocomb 132,700 2,111 41 51 1,905 1,609 1.21 12.49 15 Robertson Banking Company Demopolis 336,766 5,437 73 74 4,641 4,169 1.28 12.32 16 Traditions Bank Cullman 372,127 4,414 75 59 3,495 3,176 1.21 11.87 17 Bryant Bank Tuscaloosa 1,733,489 26,291 248 106 23,256 18,797 1.19 11.70 18 Citizens Bank & Trust Guntersville 541,762 5,645 114 50 4,173 3,640 1.09 11.42 19 PeoplesTrust Bank Hamilton 104,371 1,370 27 51 1,197 860 1.36 11.33 20 Cheaha Bank Oxford 206,696 3,072 46 67 2,976 3,428 1.51 11.31 21 First Bank of Alabama Talladega 559,092 8,223 91 90 8,363 6,204 1.52 11.30 22 Oakworth Capital Bank Birmingham 646,935 8,031 89 90 6,131 5,479 1.31 11.27 23 Regions Bank Birmingham 127,543,000 1,786,114 19,480 92 1,645,234 1,353,853 1.44 11.16 24 HNB First Bank Headland 157,698 2,266 35 65 1,931 1,279 1.13 11.12 25 CCB Community Bank Andalusia 510,473 8,124 109 75 8,596 8,120 1.22 11.04 26 Central State Bank Calera 328,298 4,971 71 70 4,589 3,688 1.18 10.95 27 Vantage Bank of Alabama Albertville 134,880 1,903 28 68 1,394 1,320 1.49 10.94 28 First Citizens Bank Luverne 244,318 3,586 64 56 2,040 2,736 1.46 10.85 29 EvaBank Cullman 380,224 10,097 88 115 11,102 8,381 2.77 10.69 30 First Southern Bank Florence 265,858 2,552 62 41 789 1,685 1.04 10.68 31 AuburnBank Auburn 825,744 9,472 164 58 8,408 7,689 1.15 10.55 32 Pinnacle Bank Jasper 235,637 3,034 53 57 2,617 2,300 1.34 10.33 33 Metro Bank Pell City 762,078 11,592 167 69 9,815 8,492 1.58 10.26 34 Peoples Bank of Red Level Red Level 14,989 196 6 33 170 122 1.30 10.13 35 First State Bank of DeKalb County Fort Payne 193,332 2,223 55 40 1,033 935 1.19 10.09 36 FNB Bank Scottsboro 688,251 7,774 167 47 6,105 4,937 1.19 9.92 37 Premier Bank of the South Cullman 195,492 2,320 68 34 2,286 1,753 0.89 9.81 38 FirstState Bank Lineville 245,278 2,816 55 51 2,212 2,203 1.21 9.76 39 Peoples Independent Bank Boaz 305,520 4,126 83 50 3,174 2,824 1.03 9.53 40 Community Neighbor Bank Camden 103,483 1,500 37 41 1,250 1,024 1.43 9.53 41 Southern Independent Bank Opp 241,970 2,528 39 65 1,681 1,758 1.08 9.24 42 Brantley Bank and Trust Company Brantley 69,182 959 19 50 616 710 1.38 9.18 43 Troy Bank & Trust Company Troy 946,085 9,710 139 70 12,136 9,440 1.07 9.13 44 First Federal Bank, A FSB Tuscaloosa 141,099 1,631 102 16 42 (96) 0.99 9.13 45 River Bank & Trust Prattville 1,138,955 11,594 190 61 8,906 9,096 1.08 9.05 46 Farmers and Merchants Bank LaFayette 165,829 1,977 37 53 1,522 1,490 1.22 8.82 47 Town-Country National Bank Camden 109,468 2,305 34 68 2,059 1,970 1.60 8.81 48 First Bank of Boaz Boaz 241,268 3,649 27 135 4,284 3,379 1.55 8.79 49 Bank of Vernon Vernon 162,894 2,211 36 61 2,137 865 1.44 8.74 50 Peoples Bank of Greensboro Greensboro 91,071 908 18 50 1,080 1,244 0.77 8.69
Source: S&P Global Market Intelligence 15 Alabama – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 First Community Bank of Central Alabama Wetumpka 377,785 33 20 31 38 1 24.6 2 Robertson Banking Company Demopolis 336,766 32 42 43 16 15 29.6 3 First Southern State Bank Stevenson 403,903 52 58 15 30 8 32.6 3 First Metro Bank Muscle Shoals 673,262 77 60 9 11 6 32.6 5 HomeTown Bank of Alabama Oneonta 382,128 22 6 78 48 12 33.2 6 Friend Bank Slocomb 132,700 16 29 63 45 14 33.4 7 Oakworth Capital Bank Birmingham 646,935 68 8 70 3 22 34.2 8 Central State Bank Calera 328,298 39 37 56 14 26 34.4 8 SouthPoint Bank Birmingham 407,319 58 4 85 21 4 34.4 10 United Bank Atmore 692,067 43 15 64 51 5 35.6 11 Merchants Bank of Alabama Cullman 303,476 42 11 68 50 11 36.4 12 Peoples Bank of Alabama Cullman 826,120 17 2 104 55 7 37.0 13 Cheaha Bank Oxford 206,696 34 75 41 18 20 37.6 14 First Citizens Bank Luverne 244,318 23 45 57 36 28 37.8 15 Vantage Bank of Alabama Albertville 134,880 28 49 44 42 27 38.0 16 Bryant Bank Tuscaloosa 1,733,489 73 79 16 6 17 38.2 17 First Jackson Bank, Inc. Stevenson 276,271 61 100 8 15 10 38.8 18 PeoplesTrust Bank Hamilton 104,371 40 45 34 57 19 39.0 18 Regions Bank Birmingham 127,543,000 86 3 36 47 23 39.0 18 Trinity Bank Dothan 165,127 34 84 40 28 9 39.0 21 Pinnacle Bank Jasper 235,637 56 37 48 25 32 39.6 22 First National Bank Hamilton 283,707 43 28 45 20 63 39.8 23 First Bank of Alabama Talladega 559,092 24 71 20 65 21 40.2 23 Premier Bank of the South Cullman 195,492 18 19 92 35 37 40.2 25 Traditions Bank Cullman 372,127 2 12 103 69 16 40.4 26 HNB First Bank Headland 157,698 52 35 61 31 24 40.6 27 River Bank & Trust Prattville 1,138,955 49 44 42 26 45 41.2 28 Bank Independent Sheffield 1,706,599 5 14 102 85 3 41.8 29 Citizens Bank & Trust Guntersville 541,762 67 54 52 19 18 42.0 30 Progress Bank and Trust Huntsville 1,209,240 81 23 38 13 57 42.4 30 ServisFirst Bank Birmingham 9,004,818 82 98 1 29 2 42.4 32 CCB Community Bank Andalusia 510,473 26 77 46 39 25 42.6 32 Brantley Bank and Trust Company Brantley 69,182 13 70 54 34 42 42.6 34 First Southern Bank Florence 265,858 62 72 39 12 30 43.0 35 AuburnBank Auburn 825,744 94 77 14 2 31 43.6 36 Samson Banking Company, Inc. Samson 79,858 62 49 37 22 53 44.6 37 Southern Independent Bank Opp 241,970 101 68 13 7 41 46.0 38 First Bank Wadley 87,664 52 31 67 68 13 46.2 39 Metro Bank Pell City 762,078 41 68 21 72 33 47.0 40 Community Neighbor Bank Camden 103,483 13 18 86 83 40 48.0 41 FNB Bank Scottsboro 688,251 20 40 79 67 36 48.4 42 Bank of Vernon Vernon 162,894 46 31 53 66 49 49.0 43 Town-Country National Bank Camden 109,468 9 40 72 78 47 49.2 44 West Alabama Bank & Trust Reform 636,111 88 23 28 59 51 49.8 45 Cullman Savings Bank (MHC) Cullman 301,393 47 95 24 33 54 50.6 46 FirstState Bank Lineville 245,278 48 60 55 54 38 51.0 47 Peoples Independent Bank Boaz 305,520 64 22 66 73 39 52.8 48 EvaBank Cullman 380,224 1 103 32 102 29 53.4 48 First Bank of Boaz Boaz 241,268 104 105 2 8 48 53.4 50 Millennial Bank Leeds 79,037 6 47 108 5 102 53.6 50 First State Bank of DeKalb County Fort Payne 193,332 15 73 58 87 35 53.6 Source: S&P Global Market Intelligence 16 Rank The Banks Arkansas – 2019 Q3 Arkansas – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Anstaff Bank Green Forest First National Bancorp, Inc. 5/4/1931 12 155 Yes 698,663 1.07 10.88 Arkansas County Bank De Witt DeWitt First Bankshares Corporation 4/12/1912 3 42 Yes 180,998 1.19 10.71 Armor Bank Forrest City Big Creek Bancshares, Inc 1/1/1919 5 23 No 94,949 (0.19) (1.05) Arvest Bank Fayetteville Arvest Bank Group, Inc. 1/1/1871 273 6,271 No 19,331,564 0.68 6.00 Bank of Bearden Bearden Bearden Bancshares, Inc. 7/5/1945 1 8 Yes 54,377 1.17 9.76 Bank of Cave City Cave City Sharp BancShares, Inc. 7/2/1906 5 37 Yes 121,955 0.78 8.69 Bank of Delight Delight 6/16/1911 3 25 Yes 133,270 1.35 9.79 Bank of England England MHBC Investments Limited Partnership I LLLP 8/8/1898 6 1,250 No 471,085 2.23 15.58 Bank of Gravette Gravette Legacy BancShares, Inc. 3/1/1898 4 32 No 135,897 0.37 2.74 Bank of Lake Village Lake Village Southeast Arkansas Bank Corporation 1/1/1934 2 15 No 66,326 1.33 10.94 Bank of Little Rock Little Rock Little Rock Bankshares, Inc. 10/21/1927 5 122 No 197,159 0.51 4.74 Bank of Prescott Prescott Prescott Bancshares, Inc. 8/10/1904 1 17 No 68,173 0.59 3.96 Bank of Salem Salem Smith Associated Banking Corporation 12/9/1908 3 35 No 143,522 1.55 13.26 Bank OZK Little Rock 10/1/1934 244 2,757 No 23,402,679 1.95 11.35 Bodcaw Bank Stamps Bodcaw Bancshares, Inc. 1/1/1903 3 19 No 112,562 1.34 14.17 Centennial Bank Conway Home BancShares, Inc. 5/12/1903 165 1,889 No 14,884,518 2.12 11.92 Central Bank Little Rock Cross County Bancshares, Inc. 8/12/1912 3 24 No 242,158 0.83 7.69 Chambers Bank Danville Chambers Bancshares, Inc. 10/7/1930 19 188 Yes 845,171 0.96 8.16 Citizens Bank Batesville Citizens Bancshares of Batesville, Inc. 4/24/1953 21 199 No 917,256 0.83 8.42 Citizens Bank & Trust Company Van Buren First Bank Corp 5/1/1886 8 99 No 401,093 1.73 13.37 Commercial Bank & Trust Company Monticello Drew Bancshares, Inc. 11/29/1912 5 37 Yes 211,937 0.81 8.77 Community State Bank Bradley 4/10/1933 1 6 Yes 22,571 0.60 4.07 Connect Bank Star City Star City Bancshares, Inc. 4/7/1925 5 30 Yes 98,262 1.31 8.57 Cornerstone Bank Eureka Springs Eureka Bancshares, Inc. 5/4/1912 6 82 Yes 324,960 1.02 12.35 Cross County Bank Wynne Cross County Bancshares, Inc. 6/5/1891 9 80 No 273,815 1.50 11.70 Diamond Bank Glenwood Bainum Bancorp 12/16/1904 16 150 Yes 639,264 0.97 9.66 Eagle Bank and Trust Company Little Rock State Holding Company 7/1/1919 13 194 No 420,770 0.95 7.69 Encore Bank Little Rock Capital Bancshares, Inc. 9/8/1997 1 35 No 247,152 (1.95) (15.66) Farmers & Merchants Bank Stuttgart Farmers and Merchants Bankshares, Inc. 1/2/1945 29 371 No 1,506,471 1.02 8.08 Farmers Bank Greenwood Wilkinson Banking Corporation 9/25/1907 11 64 No 210,746 0.90 4.74 Farmers Bank & Trust Company Magnolia Magnolia Banking Corporation 9/26/1906 23 252 No 1,603,404 1.31 12.75 Farmers Bank and Trust Company Blytheville Farmers Bancorp, Inc. 3/16/1908 7 45 Yes 281,617 1.59 16.58 FBT Bank & Mortgage Fordyce FBT Bancshares, Inc. 1/6/1931 5 44 Yes 168,559 0.62 5.52 Fidelity Bank West Memphis Carlson Bancshares, Inc. 11/4/1966 4 61 Yes 395,751 1.18 9.74 First Arkansas Bank and Trust Jacksonville First Arkansas BancShares, Inc. 11/5/1949 23 276 Yes 752,764 1.43 7.19 First Community Bank Batesville First Community Bancshares, Inc. 8/4/1997 25 371 No 1,505,984 0.96 10.65 First Delta Bank Marked Tree Big Creek Bancshares, Inc 10/17/1951 3 16 No 61,066 0.00 (0.02) First Financial Bank El Dorado First Financial Banc Corporation 4/1/1934 10 311 Yes 1,071,352 1.88 14.49 First National Bank Paragould First Paragould Bankshares, Inc. 3/22/1889 21 268 No 1,665,263 1.16 11.29 First National Bank at Paris Paris Union Bankshares, Inc. 9/1/1891 6 50 Yes 183,178 1.48 10.52 First National Bank of Eastern Arkansas Forrest City Bancshares of Eastern Arkansas, Inc. 11/1/1886 14 104 Yes 418,194 1.10 10.63 First National Bank of Fort Smith Fort Smith First Bank Corp 3/22/1872 21 305 No 1,375,868 1.89 14.97 First National Bank of Izard County Calico Rock Wyatt Bancshares, Inc. 5/1/1914 5 41 No 165,175 1.27 3.73 First National Bank of Lawrence County at Walnut Ridge Walnut Ridge First National Capital Corporation 3/27/1919 6 61 Yes 217,820 0.97 8.99 First National Bank of North Arkansas Berryville First Carroll Bankshares, Inc. 2/18/1889 11 91 Yes 195,603 1.07 9.35 First National Bank of Wynne Wynne First National Corporation of Wynne 12/3/1915 7 77 No 343,704 1.51 11.50 First NaturalState Bank McGehee First National Financial Corporation 1/2/1974 3 19 No 59,413 0.60 5.73 First Security Bank Searcy First Security Bancorp 2/6/1932 82 860 No 5,685,147 1.91 9.61 First Service Bank Greenbrier First Service Bancshares, Inc. 5/7/1962 11 98 No 338,812 0.73 7.48 First State Bank Lonoke Lonoke Bancshares, Inc. 3/18/1935 6 55 No 251,441 (0.08) (0.80)
Source: S&P Global Market Intelligence 18 Arkansas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First State Bank Russellville First State Banking Corporation 1/12/1934 4 52 No 296,702 1.34 12.00 First State Bank Crossett Evergreen Bancshares, Inc. 1/4/1964 2 14 No 33,003 0.74 4.48 First State Bank of DeQueen De Queen First State Bancshares, Inc. 11/1/1974 7 59 Yes 265,347 0.95 10.22 First State Bank of Warren Warren Bradley Bancshares, Inc. 1/1/1890 4 29 Yes 107,213 0.53 4.94 First Western Bank Booneville First Western Bancshares, Inc. 4/18/1910 11 108 No 449,168 0.76 8.81 FNBC Bank Ash Flat FNBC Bancorp Inc 1/1/1912 13 94 Yes 528,454 0.92 9.73 Gateway Bank Rison Sigma Holdings, Inc. 3/7/1932 2 11 Yes 76,074 0.29 2.54 Generations Bank Rogers Harrell Bancshares, Inc. 10/8/1907 10 113 No 524,912 1.04 11.22 HomeBank of Arkansas Portland Peoples Home Holding, Inc 1/23/1908 5 30 No 71,069 (0.79) (7.12) Horatio State Bank Horatio Pioneer Bancshares, Inc. of Horatio, Ark 5/5/1905 2 43 No 217,671 1.55 13.50 Legacy National Bank Springdale Legacy BancShares, Inc. 3/28/2005 6 86 No 545,377 1.03 11.11 Logan County Bank Scranton 4/4/1926 2 14 No 81,981 0.92 4.69 Malvern National Bank Malvern MNB Bancshares, Inc. 7/28/1934 15 132 Yes 564,298 0.46 4.67 McGehee Bank McGehee Southeast Financial Bankstock Corporation 12/6/1933 4 29 Yes 137,155 1.20 8.45 Merchants & Planters Bank Newport M&P Community Bancshares, Inc. 8/6/1946 11 79 No 266,989 0.91 8.37 Merchants & Planters Bank Clarendon Clarendon Holding Company 7/23/1890 1 10 No 38,679 0.07 0.60 Merchants and Farmers Bank Dumas M & F Financial Corporation 5/10/1909 2 34 No 160,578 0.77 8.25 Partners Bank Helena Helena Bancshares, Inc. 4/1/1940 6 58 No 205,202 0.44 3.02 Peoples Bank Magnolia Golden Oaks Bancshares, Inc. 6/22/1910 3 71 Yes 202,344 0.64 6.47 Peoples Bank Sheridan Peoples Bancorp, Inc. 9/13/2000 2 26 No 169,228 1.84 12.85 Petit Jean State Bank Morrilton Petit Jean Bancshares, Inc. 2/16/1999 2 28 No 186,928 1.52 10.57 Piggott State Bank Piggott Piggott Bankstock, Inc. 3/19/1930 3 21 Yes 84,774 0.89 9.60 Premier Bank of Arkansas Marion FCB Financial Services, Inc 10/13/1998 2 31 No 164,571 1.24 8.53 Priority Bank Fayetteville Priority One Holding Company 7/3/1993 3 36 Yes 85,261 1.55 16.98 Relyance Bank, National Association Pine Bluff Jefferson Bancshares, Inc. 2/11/1965 20 182 No 866,549 1.07 8.21 River Town Bank Dardanelle Chambers Bancshares, Inc. 1/1/1934 8 46 No 148,854 1.29 10.23 RiverBank Pocahontas 8/5/1974 2 15 No 104,867 1.71 16.34 Riverside Bank Sparkman Riverside Bancshares, Inc. 9/19/1916 2 15 Yes 60,238 1.77 20.75 Riverwind Bank Augusta 2/20/1935 4 28 No 102,568 0.88 8.64 Security Bank Stephens Smith Associated Banking Corporation 4/1/1946 1 18 No 69,311 0.93 9.97 Signature Bank of Arkansas Fayetteville White River Bancshares Company 8/18/1933 6 140 No 659,869 0.87 7.52 Simmons Bank Pine Bluff Simmons First National Corporation 3/23/1903 216 2,683 No 17,716,051 1.52 10.28 Smackover State Bank Smackover Smackover Bancshares, Inc. 4/18/1928 4 37 No 182,223 0.83 6.44 Southern Bancorp Bank Arkadelphia Southern Bancorp, Inc. 3/1/1884 46 365 No 1,461,819 1.02 8.99 Stone Bank Mountain View Stone Bancshares, Inc. 4/29/1955 6 91 No 471,834 0.82 7.27 Today's Bank Huntsville Mathias Bancshares, Inc. 7/26/1991 11 77 Yes 242,157 0.62 7.09 Union Bank & Trust Company Monticello First Union Financial Corporation 11/19/1900 4 54 Yes 211,380 1.18 11.66 Union Bank of Mena Mena Union Bankshares, Inc. 7/25/1934 3 60 Yes 268,114 1.58 15.19 United Bank Springdale United Holding Company, Inc. 1/1/1978 4 48 Yes 201,291 0.74 6.06 Warren Bank and Trust Company Warren 12/31/1901 4 37 Yes 127,688 0.39 2.33
Source: S&P Global Market Intelligence 19 Arkansas – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 Bank OZK Little Rock 2,757 244 18,440,078 75,574 95,913 6,688 8,488 23,402,679 2 Arvest Bank Fayetteville 6,271 273 16,398,264 60,067 70,812 2,615 3,083 19,331,564 3 Simmons Bank Pine Bluff 2,683 216 13,572,187 62,834 82,019 5,059 6,603 17,716,051 4 Centennial Bank Conway 1,889 165 11,145,694 67,550 90,209 5,900 7,880 14,884,518 5 First Security Bank Searcy 860 82 4,230,107 51,587 69,331 4,919 6,611 5,685,147 6 First National Bank Paragould 268 21 1,360,486 64,785 79,298 5,076 6,214 1,665,263 7 Farmers Bank & Trust Company Magnolia 252 23 1,364,599 59,330 69,713 5,415 6,363 1,603,404 8 Farmers & Merchants Bank Stuttgart 371 29 1,181,009 40,724 51,947 3,183 4,061 1,506,471 9 First Community Bank Batesville 371 25 1,157,719 46,309 60,239 3,121 4,059 1,505,984 10 Southern Bancorp Bank Arkadelphia 365 46 1,209,381 26,291 31,779 3,313 4,005 1,461,819 11 First National Bank of Fort Smith Fort Smith 305 21 1,191,005 56,715 65,518 3,905 4,511 1,375,868 12 First Financial Bank El Dorado 311 10 826,834 82,683 107,135 2,659 3,445 1,071,352 13 Citizens Bank Batesville 199 21 751,035 35,764 43,679 3,774 4,609 917,256 14 Relyance Bank, National Association Pine Bluff 182 20 728,524 36,426 43,327 4,003 4,761 866,549 15 Chambers Bank Danville 188 19 669,957 35,261 44,483 3,564 4,496 845,171 16 First Arkansas Bank and Trust Jacksonville 276 23 526,302 22,883 32,729 1,907 2,727 752,764 17 Anstaff Bank Green Forest 155 12 618,498 51,542 58,222 3,990 4,508 698,663 18 Signature Bank of Arkansas Fayetteville 140 6 542,555 90,426 109,978 3,875 4,713 659,869 19 Diamond Bank Glenwood 150 16 553,579 34,599 39,954 3,691 4,262 639,264 20 Malvern National Bank Malvern 132 15 455,466 30,364 37,620 3,451 4,275 564,298 21 Legacy National Bank Springdale 86 6 480,074 80,012 90,896 5,582 6,342 545,377 22 FNBC Bank Ash Flat 94 13 442,463 34,036 40,650 4,707 5,622 528,454 23 Generations Bank Rogers 113 10 420,822 42,082 52,491 3,724 4,645 524,912 24 Stone Bank Mountain View 91 6 390,641 65,107 78,639 4,293 5,185 471,834 25 Bank of England England 1,250 6 329,090 54,848 78,514 263 377 471,085 26 First Western Bank Booneville 108 11 395,596 35,963 40,833 3,663 4,159 449,168 27 Eagle Bank and Trust Company Little Rock 194 13 321,156 24,704 32,367 1,655 2,169 420,770 28 First National Bank of Eastern Arkansas Forrest City 104 14 371,286 26,520 29,871 3,570 4,021 418,194 29 Citizens Bank & Trust Company Van Buren 99 8 341,172 42,647 50,137 3,446 4,051 401,093 30 Fidelity Bank West Memphis 61 4 343,559 85,890 98,938 5,632 6,488 395,751 31 First National Bank of Wynne Wynne 77 7 292,623 41,803 49,101 3,800 4,464 343,704 32 First Service Bank Greenbrier 98 11 294,488 26,772 30,801 3,005 3,457 338,812 33 Cornerstone Bank Eureka Springs 82 6 270,917 45,153 54,160 3,304 3,963 324,960 34 First State Bank Russellville 52 4 256,180 64,045 74,176 4,927 5,706 296,702 35 Farmers Bank and Trust Company Blytheville 45 7 238,813 34,116 40,231 5,307 6,258 281,617 36 Cross County Bank Wynne 80 9 215,324 23,925 30,424 2,692 3,423 273,815 37 Union Bank of Mena Mena 60 3 235,750 78,583 89,371 3,929 4,469 268,114 38 Merchants & Planters Bank Newport 79 11 227,192 20,654 24,272 2,876 3,380 266,989 39 First State Bank of DeQueen De Queen 59 7 231,028 33,004 37,907 3,916 4,497 265,347 40 First State Bank Lonoke 55 6 218,675 36,446 41,907 3,976 4,572 251,441 41 Encore Bank Little Rock 35 1 158,286 158,286 247,152 4,522 7,061 247,152 42 Central Bank Little Rock 24 3 193,116 64,372 80,719 8,047 10,090 242,158 43 Today's Bank Huntsville 77 11 205,013 18,638 22,014 2,663 3,145 242,157 44 First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 61 6 192,123 32,021 36,303 3,150 3,571 217,820 45 Horatio State Bank Horatio 43 2 191,872 95,936 108,836 4,462 5,062 217,671 46 Commercial Bank & Trust Company Monticello 37 5 183,061 36,612 42,387 4,948 5,728 211,937 47 Union Bank & Trust Company Monticello 54 4 176,298 44,075 52,845 3,265 3,914 211,380 48 Farmers Bank Greenwood 64 11 169,550 15,414 19,159 2,649 3,293 210,746 49 Partners Bank Helena 58 6 159,569 26,595 34,200 2,751 3,538 205,202 50 Peoples Bank Magnolia 71 3 137,337 45,779 67,448 1,934 2,850 202,344
Source: S&P Global Market Intelligence 20 Arkansas – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 First National Bank of North Arkansas Berryville 195,603 6.64 0.64 0.60 (0.17) 94.64 2.26 5.58 2 First State Bank Crossett 33,003 6.97 (1.47) 0.44 (5.79) 78.13 2.39 5.30 3 Cross County Bank Wynne 273,815 6.50 5.04 1.00 8.77 109.09 2.18 5.16 4 First National Bank at Paris Paris 183,178 5.97 6.86 0.85 18.93 91.64 1.62 4.85 5 Bank of Salem Salem 143,522 6.24 4.19 1.12 6.99 90.30 2.36 4.58 6 First Arkansas Bank and Trust Jacksonville 752,764 5.72 1.68 0.42 (5.93) 92.95 3.79 4.55 7 Connect Bank Star City 98,262 6.16 (2.26) 0.89 6.95 84.38 2.94 4.46 8 Union Bank of Mena Mena 268,114 6.30 (1.26) 0.71 3.46 74.55 2.29 4.43 9 Bank OZK Little Rock 23,402,679 6.32 6.03 1.55 3.46 96.18 2.72 4.42 9 Centennial Bank Conway 14,884,518 6.01 (0.56) 0.98 3.91 96.65 2.83 4.42 11 River Town Bank Dardanelle 148,854 5.51 27.69 0.39 11.43 94.71 2.22 4.41 11 First Financial Bank El Dorado 1,071,352 6.19 2.07 1.63 7.07 109.59 2.26 4.41 11 Merchants and Farmers Bank Dumas 160,578 5.86 9.81 0.96 14.52 98.41 2.54 4.41 14 Horatio State Bank Horatio 217,671 7.11 10.67 1.90 7.88 90.48 2.09 4.40 15 Premier Bank of Arkansas Marion 164,571 5.68 13.64 0.70 10.59 92.49 2.23 4.32 16 Community State Bank Bradley 22,571 6.35 24.69 0.71 50.53 64.23 2.57 4.30 16 Bank of Cave City Cave City 121,955 6.07 14.89 0.90 7.33 90.48 2.26 4.30 18 First Service Bank Greenbrier 338,812 5.86 17.61 1.39 24.09 98.73 4.46 4.29 19 RiverBank Pocahontas 104,867 6.24 14.87 1.74 23.35 101.74 4.27 4.27 20 Farmers Bank Greenwood 210,746 6.10 7.48 0.56 3.65 74.09 2.36 4.26 21 First National Bank of Fort Smith Fort Smith 1,375,868 5.53 (0.05) 0.46 5.68 77.17 2.35 4.24 22 Arkansas County Bank De Witt 180,998 6.35 0.93 0.69 9.77 82.87 2.83 4.22 23 Bank of Lake Village Lake Village 66,326 6.23 (8.66) 0.61 0.42 70.86 2.44 4.21 24 HomeBank of Arkansas Portland 71,069 6.24 (4.37) 1.50 1.38 87.32 1.52 4.20 25 Riverside Bank Sparkman 60,238 6.11 (2.37) 1.78 (5.04) 110.16 4.00 4.19 26 First National Bank of Izard County Calico Rock 165,175 6.80 2.74 0.62 0.94 72.44 2.45 4.18 26 McGehee Bank McGehee 137,155 5.73 (5.95) 0.76 5.46 106.01 1.97 4.18 28 Cornerstone Bank Eureka Springs 324,960 6.08 20.05 1.44 18.73 92.15 2.99 4.16 28 FBT Bank & Mortgage Fordyce 168,559 6.67 2.13 0.95 6.35 71.54 3.31 4.16 30 Priority Bank Fayetteville 85,261 6.74 8.54 2.27 1.07 135.94 5.23 4.14 30 Today's Bank Huntsville 242,157 6.82 5.74 1.55 7.49 80.00 2.85 4.14 32 Merchants & Planters Bank Newport 266,989 5.91 (4.42) 0.94 (1.72) 81.14 2.46 4.11 32 Farmers Bank and Trust Company Blytheville 281,617 5.80 3.33 1.23 15.47 96.02 2.77 4.11 34 First National Bank of Wynne Wynne 343,704 5.89 1.34 0.35 2.48 71.09 2.54 4.10 35 First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 217,820 6.23 (0.80) 0.81 9.59 66.67 2.35 4.05 36 Bank of Gravette Gravette 135,897 6.76 (4.71) 1.21 4.90 63.49 2.35 4.03 36 Signature Bank of Arkansas Fayetteville 659,869 5.52 9.35 1.21 4.08 103.17 2.51 4.03 38 First State Bank Russellville 296,702 5.47 8.58 0.87 16.26 87.04 2.58 4.02 39 Riverwind Bank Augusta 102,568 5.76 1.10 0.97 (0.77) 80.98 3.24 3.97 39 Chambers Bank Danville 845,171 5.56 (2.36) 1.24 2.68 101.77 3.59 3.97 41 Security Bank Stephens 69,311 6.25 (1.04) 1.83 1.74 91.24 2.07 3.96 41 FNBC Bank Ash Flat 528,454 5.60 12.03 1.03 30.86 83.01 3.85 3.96 43 Peoples Bank Magnolia 202,344 6.84 1.65 2.10 (10.32) 109.50 4.55 3.93 44 Simmons Bank Pine Bluff 17,716,051 5.49 9.62 0.93 10.31 96.17 2.88 3.91 44 Peoples Bank Sheridan 169,228 6.32 17.23 0.69 8.37 58.78 2.78 3.91 44 Farmers & Merchants Bank Stuttgart 1,506,471 5.27 47.71 0.66 57.21 93.79 2.62 3.91 47 Union Bank & Trust Company Monticello 211,380 5.46 4.83 1.01 (1.52) 91.71 2.79 3.90 48 Legacy National Bank Springdale 545,377 5.19 8.10 0.98 9.19 94.25 2.32 3.87 48 Eagle Bank and Trust Company Little Rock 420,770 5.98 5.30 0.93 4.07 76.86 3.31 3.87 50 Anstaff Bank Green Forest 698,663 5.37 8.59 0.90 7.86 83.34 3.43 3.86
Source: S&P Global Market Intelligence 21 Arkansas – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Bank of England England 471,085 8,224 0.16 38.33 1.58 0.00 148,963 40.41 2 Bank of Little Rock Little Rock 197,159 1,010 0.19 6.15 0.00 (0.06) 14,739 7.46 3 Priority Bank Fayetteville 85,261 1,743 0.02 3.91 0.02 0.12 3,531 4.17 4 Eagle Bank and Trust Company Little Rock 420,770 3,878 0.15 0.11 0.00 (0.03) 16,758 4.11 5 First Arkansas Bank and Trust Jacksonville 752,764 14,533 0.25 0.11 0.00 0.00 28,364 3.71 6 Arvest Bank Fayetteville 19,331,564 129,395 0.77 0.29 0.19 0.00 524,971 2.77 7 Stone Bank Mountain View 471,834 3,106 0.04 2.30 0.18 (0.07) 10,073 2.65 8 First Financial Bank El Dorado 1,071,352 26,189 0.19 0.96 1.00 0.03 25,263 2.41 9 FBT Bank & Mortgage Fordyce 168,559 1,352 0.50 0.00 0.00 0.01 2,614 1.58 10 River Town Bank Dardanelle 148,854 1,755 0.31 0.00 0.00 (0.03) 1,924 1.41 11 Merchants & Planters Bank Newport 266,989 2,386 0.46 0.04 0.00 0.03 3,516 1.33 12 First National Bank at Paris Paris 183,178 3,389 0.75 0.00 0.02 0.00 2,197 1.28 12 First Service Bank Greenbrier 338,812 2,314 0.28 0.43 0.00 0.08 4,041 1.28 14 Cornerstone Bank Eureka Springs 324,960 4,126 0.31 0.00 0.00 (0.03) 3,605 1.19 15 First National Bank of Fort Smith Fort Smith 1,375,868 25,130 0.33 0.12 0.00 0.00 15,259 1.14 15 Riverside Bank Sparkman 60,238 1,468 0.09 0.92 0.00 0.00 712 1.14 17 Farmers Bank Greenwood 210,746 1,870 0.52 0.00 0.00 0.00 2,202 1.06 18 Union Bank & Trust Company Monticello 211,380 3,318 0.41 0.04 0.00 0.00 2,209 1.05 19 First National Bank Paragould 1,665,263 19,029 0.33 0.00 0.00 0.00 16,771 1.02 20 Relyance Bank, National Association Pine Bluff 866,549 8,930 0.40 0.00 0.00 0.00 8,277 0.99 21 First National Bank of North Arkansas Berryville 195,603 2,798 0.36 0.00 0.00 0.00 1,932 0.98 22 Bank of Cave City Cave City 121,955 1,205 0.23 0.00 0.00 0.01 1,083 0.94 23 First Western Bank Booneville 449,168 3,320 0.17 0.48 0.00 (0.06) 4,044 0.92 24 Connect Bank Star City 98,262 1,670 0.31 0.00 0.00 0.00 863 0.91 25 Union Bank of Mena Mena 268,114 5,531 0.45 0.00 0.00 (0.04) 2,345 0.89 26 First Community Bank Batesville 1,505,984 14,202 0.29 0.13 0.00 (0.01) 13,107 0.88 26 First State Bank Crossett 33,003 247 0.68 0.00 0.00 (0.16) 294 0.88 28 Simmons Bank Pine Bluff 17,716,051 257,626 0.25 0.07 0.01 0.01 142,757 0.84 29 Community State Bank Bradley 22,571 152 0.55 0.00 0.00 0.00 157 0.83 30 FNBC Bank Ash Flat 528,454 5,880 0.38 0.02 0.01 (0.01) 3,850 0.80 30 Peoples Bank Magnolia 202,344 1,791 0.71 0.00 0.00 (0.03) 1,681 0.80 32 United Bank Springdale 201,291 1,868 0.16 0.48 0.00 0.04 1,484 0.78 33 Today's Bank Huntsville 242,157 1,968 0.09 0.00 0.00 0.50 1,829 0.77 33 First National Bank of Wynne Wynne 343,704 5,112 0.50 0.00 0.00 0.00 2,613 0.77 33 Southern Bancorp Bank Arkadelphia 1,461,819 14,143 0.39 0.02 0.00 0.00 10,621 0.77 36 Farmers Bank and Trust Company Blytheville 281,617 5,756 0.38 0.00 0.00 (0.07) 2,029 0.75 37 Farmers & Merchants Bank Stuttgart 1,506,471 13,324 0.23 0.00 0.00 0.00 9,734 0.74 38 Bank of Salem Salem 143,522 2,142 0.21 0.00 0.00 0.02 927 0.67 38 Generations Bank Rogers 524,912 5,445 0.24 0.19 0.00 0.00 3,521 0.67 40 McGehee Bank McGehee 137,155 1,983 0.12 0.00 0.00 0.00 814 0.66 41 Farmers Bank & Trust Company Magnolia 1,603,404 20,373 0.23 0.09 0.00 0.00 10,100 0.65 41 First National Bank of Izard County Calico Rock 165,175 2,119 0.29 0.00 0.00 0.00 1,091 0.65 41 Citizens Bank & Trust Company Van Buren 401,093 6,918 0.30 0.00 0.00 (0.01) 2,608 0.65 41 First State Bank of Warren Warren 107,213 760 0.26 0.00 0.00 0.00 709 0.65 45 Peoples Bank Sheridan 169,228 2,895 0.23 0.00 0.00 0.01 1,001 0.64 45 Merchants and Farmers Bank Dumas 160,578 1,113 0.30 0.00 0.00 0.00 916 0.64 45 First State Bank Russellville 296,702 3,800 0.16 0.20 0.00 0.00 1,808 0.64 48 First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 217,820 2,739 0.26 0.00 0.00 0.00 1,345 0.63 49 Premier Bank of Arkansas Marion 164,571 1,921 0.29 0.00 0.00 0.09 956 0.62 50 Diamond Bank Glenwood 639,264 7,966 0.27 0.00 0.00 0.02 3,747 0.60
Source: S&P Global Market Intelligence 22 Arkansas – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Centennial Bank Conway 14,884,518 36.07 1,889 165 0.92 0.25 0.47 1.64 2 Bank OZK Little Rock 23,402,679 37.71 2,757 244 0.81 0.26 0.61 1.68 3 Petit Jean State Bank Morrilton 186,928 43.38 28 2 0.95 0.17 0.57 1.69 4 RiverBank Pocahontas 104,867 39.31 15 2 0.82 0.13 0.75 1.70 5 Logan County Bank Scranton 81,981 57.31 14 2 0.99 0.35 0.37 1.71 6 Peoples Bank Sheridan 169,228 41.20 26 2 0.95 0.19 0.66 1.80 7 First Security Bank Searcy 5,685,147 41.48 860 82 1.03 0.24 0.55 1.82 8 Smackover State Bank Smackover 182,223 62.14 37 4 1.06 0.20 0.58 1.85 9 Central Bank Little Rock 242,158 62.11 24 3 1.07 0.26 0.65 1.99 10 Bank of Delight Delight 133,270 51.37 25 3 1.26 0.15 0.63 2.04 11 Bank of Bearden Bearden 54,377 55.65 8 1 1.13 0.11 0.81 2.05 12 Horatio State Bank Horatio 217,671 46.46 43 2 1.33 0.19 0.59 2.11 13 Fidelity Bank West Memphis 395,751 56.52 61 4 1.33 0.17 0.62 2.12 14 Citizens Bank & Trust Company Van Buren 401,093 48.34 99 8 1.47 0.24 0.42 2.13 15 Bodcaw Bank Stamps 112,562 54.48 19 3 1.19 0.18 0.80 2.17 16 Farmers Bank & Trust Company Magnolia 1,603,404 55.14 252 23 1.24 0.28 0.72 2.25 17 Simmons Bank Pine Bluff 17,716,051 53.08 2,683 216 1.27 0.27 0.78 2.32 18 First National Bank Paragould 1,665,263 55.29 268 21 1.21 0.36 0.76 2.33 19 First State Bank Lonoke 251,441 109.35 55 6 1.49 0.28 0.66 2.43 20 Legacy National Bank Springdale 545,377 60.98 86 6 1.44 0.30 0.75 2.49 21 First National Bank of Wynne Wynne 343,704 54.47 77 7 1.55 0.29 0.66 2.50 22 First National Bank of Eastern Arkansas Forrest City 418,194 61.07 104 14 1.48 0.47 0.57 2.51 23 Farmers Bank and Trust Company Blytheville 281,617 53.94 45 7 1.05 0.33 1.13 2.52 24 Arkansas County Bank De Witt 180,998 59.65 42 3 1.53 0.26 0.73 2.53 25 First Delta Bank Marked Tree 61,066 73.03 16 3 1.23 0.37 0.96 2.55 26 Anstaff Bank Green Forest 698,663 61.23 155 12 1.59 0.25 0.73 2.56 27 First State Bank Russellville 296,702 57.90 52 4 1.35 0.28 0.94 2.57 28 McGehee Bank McGehee 137,155 56.32 29 4 1.63 0.49 0.44 2.57 29 Diamond Bank Glenwood 639,264 63.21 150 16 1.47 0.39 0.72 2.57 30 First National Bank of Fort Smith Fort Smith 1,375,868 51.24 305 21 1.51 0.31 0.77 2.60 31 Warren Bank and Trust Company Warren 127,688 82.97 37 4 1.49 0.21 0.91 2.61 32 Commercial Bank & Trust Company Monticello 211,937 67.44 37 5 1.47 0.24 0.90 2.61 33 Southern Bancorp Bank Arkadelphia 1,461,819 61.41 365 46 1.38 0.38 0.88 2.64 34 First State Bank of DeQueen De Queen 265,347 64.05 59 7 1.53 0.45 0.71 2.69 35 Piggott State Bank Piggott 84,774 64.66 21 3 1.09 0.33 1.27 2.69 36 First National Bank of Izard County Calico Rock 165,175 62.55 41 5 1.76 0.33 0.60 2.69 37 First State Bank of Warren Warren 107,213 77.18 29 4 1.55 0.55 0.60 2.70 38 Merchants & Planters Bank Clarendon 38,679 79.47 10 1 1.52 0.25 0.95 2.71 39 Security Bank Stephens 69,311 63.80 18 1 1.42 0.33 0.96 2.71 40 Riverside Bank Sparkman 60,238 54.20 15 2 1.46 0.34 0.92 2.72 41 Encore Bank Little Rock 247,152 126.35 35 1 1.86 0.22 0.65 2.73 42 Farmers & Merchants Bank Stuttgart 1,506,471 64.08 371 29 1.62 0.30 0.81 2.73 43 Peoples Bank Magnolia 202,344 60.62 71 3 1.72 0.21 0.82 2.75 44 Malvern National Bank Malvern 564,298 76.97 132 15 1.69 0.36 0.72 2.77 45 Chambers Bank Danville 845,171 66.54 188 19 1.53 0.32 0.93 2.78 46 Armor Bank Forrest City 94,949 84.32 23 5 1.40 0.42 0.98 2.80 47 Generations Bank Rogers 524,912 65.37 113 10 1.65 0.32 0.85 2.82 48 First Community Bank Batesville 1,505,984 65.95 371 25 1.66 0.37 0.83 2.86 49 Bank of Salem Salem 143,522 57.69 35 3 1.69 0.37 0.80 2.87 50 First NaturalState Bank McGehee 59,413 77.32 19 3 1.64 0.34 0.91 2.89
Source: S&P Global Market Intelligence 23 Arkansas – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Community State Bank Bradley 22,571 12,597 1.33 0.08 0.00 0.00 (0.09) (0.01) 2 First State Bank Russellville 296,702 222,980 1.42 0.10 0.00 0.13 0.01 0.25 3 Peoples Bank Sheridan 169,228 84,976 1.48 0.19 0.00 0.07 0.09 0.35 4 Riverside Bank Sparkman 60,238 53,609 0.90 0.25 0.00 0.20 (0.02) 0.43 5 Fidelity Bank West Memphis 395,751 200,314 1.26 0.18 0.00 0.29 0.01 0.48 6 First Security Bank Searcy 5,685,147 2,590,337 3.22 0.16 0.00 0.28 0.09 0.53 7 Encore Bank Little Rock 247,152 178,092 2.23 0.42 0.00 0.25 0.03 0.70 8 Bank OZK Little Rock 23,402,679 17,734,851 0.61 0.10 0.00 0.53 0.10 0.73 9 Bank of Bearden Bearden 54,377 28,360 1.18 0.39 0.00 0.38 0.00 0.77 10 First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 217,820 128,079 1.12 0.30 0.00 0.40 0.16 0.87 11 Partners Bank Helena 205,202 127,241 1.41 0.44 0.01 0.44 0.02 0.91 12 First National Bank of Eastern Arkansas Forrest City 418,194 250,465 1.60 0.23 0.06 0.66 0.01 0.95 13 Riverwind Bank Augusta 102,568 71,591 1.24 0.16 0.00 0.71 0.12 0.98 14 Smackover State Bank Smackover 182,223 78,856 1.24 0.86 0.00 0.14 0.03 1.03 15 Centennial Bank Conway 14,884,518 10,771,947 0.97 0.21 0.09 0.66 0.07 1.03 16 Malvern National Bank Malvern 564,298 311,464 1.90 0.06 0.00 0.96 0.02 1.04 17 RiverBank Pocahontas 104,867 89,859 1.13 0.49 0.00 0.53 0.03 1.04 18 Signature Bank of Arkansas Fayetteville 659,869 559,770 1.25 0.08 0.00 1.06 (0.09) 1.05 19 First Western Bank Booneville 449,168 377,877 0.99 0.00 0.00 1.10 0.03 1.13 20 Simmons Bank Pine Bluff 17,716,051 13,052,966 0.51 0.19 0.00 0.70 0.31 1.20 21 Security Bank Stephens 69,311 55,935 1.80 0.11 0.18 0.75 0.18 1.21 22 First Delta Bank Marked Tree 61,066 20,904 0.00 0.12 0.11 0.72 0.29 1.23 23 Farmers & Merchants Bank Stuttgart 1,506,471 1,107,656 0.75 0.51 0.00 0.65 0.10 1.27 24 First National Bank Paragould 1,665,263 1,317,090 1.53 0.55 0.03 0.45 0.26 1.28 25 McGehee Bank McGehee 137,155 104,384 1.68 0.48 0.00 1.16 (0.30) 1.34 26 Generations Bank Rogers 524,912 410,733 1.04 0.71 0.01 0.64 0.01 1.36 27 United Bank Springdale 201,291 167,178 1.32 0.09 0.00 1.36 (0.01) 1.44 28 Gateway Bank Rison 76,074 62,559 1.26 0.49 0.00 0.88 0.08 1.45 29 Citizens Bank Batesville 917,256 723,790 1.53 0.43 0.07 0.85 0.10 1.45 30 Union Bank & Trust Company Monticello 211,380 161,689 1.04 0.33 0.00 1.11 0.02 1.46 31 First National Bank of Wynne Wynne 343,704 208,038 1.19 0.62 0.05 0.77 0.05 1.49 32 First Service Bank Greenbrier 338,812 290,759 0.91 0.43 0.01 0.99 0.07 1.49 33 Piggott State Bank Piggott 84,774 46,822 1.47 1.20 0.00 0.16 0.20 1.56 34 Bank of England England 471,085 378,880 0.87 0.23 0.00 1.32 0.01 1.57 35 Relyance Bank, National Association Pine Bluff 866,549 686,592 0.97 0.43 0.00 1.04 0.12 1.59 36 Anstaff Bank Green Forest 698,663 515,456 1.14 1.15 0.00 0.48 0.06 1.69 37 First State Bank Lonoke 251,441 137,508 1.12 0.00 0.00 1.73 0.00 1.73 38 Today's Bank Huntsville 242,157 164,003 0.79 0.64 0.00 1.14 0.06 1.85 39 Logan County Bank Scranton 81,981 33,941 1.20 0.42 0.87 0.55 0.03 1.87 40 Farmers Bank & Trust Company Magnolia 1,603,404 1,237,802 1.56 0.49 0.04 1.09 0.26 1.88 41 First State Bank of DeQueen De Queen 265,347 199,798 1.61 0.58 0.00 0.97 0.34 1.89 42 Cross County Bank Wynne 273,815 234,907 1.98 0.62 0.00 1.15 0.13 1.90 43 Central Bank Little Rock 242,158 169,806 1.03 0.14 0.00 1.83 0.00 1.98 44 Bank of Prescott Prescott 68,173 37,037 1.27 1.48 0.14 0.94 (0.49) 2.07 45 First National Bank of Fort Smith Fort Smith 1,375,868 919,104 1.43 1.09 0.11 0.76 0.13 2.08 46 Cornerstone Bank Eureka Springs 324,960 249,653 1.24 0.73 0.00 1.24 0.13 2.10 47 Eagle Bank and Trust Company Little Rock 420,770 246,852 1.29 0.41 0.00 1.73 0.01 2.15 48 Bodcaw Bank Stamps 112,562 77,634 0.90 1.12 0.07 0.92 0.04 2.15 49 Petit Jean State Bank Morrilton 186,928 93,798 2.52 0.21 0.00 1.72 0.35 2.28 50 Farmers Bank and Trust Company Blytheville 281,617 229,315 1.56 1.09 0.00 1.07 0.15 2.31
Source: S&P Global Market Intelligence 24 Arkansas – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Riverside Bank Sparkman 60,238 1,468 15 98 1,543 1,255 1.77 20.75 2 Priority Bank Fayetteville 85,261 1,743 36 48 1,387 1,228 1.55 16.98 3 Farmers Bank and Trust Company Blytheville 281,617 5,756 45 128 5,630 7,753 1.59 16.58 4 RiverBank Pocahontas 104,867 1,673 15 112 1,659 1,146 1.71 16.34 5 Bank of England England 471,085 8,224 1,250 7 5,661 6,877 2.23 15.58 6 Union Bank of Mena Mena 268,114 5,531 60 92 5,447 4,601 1.58 15.19 7 First National Bank of Fort Smith Fort Smith 1,375,868 25,130 305 82 25,745 19,630 1.89 14.97 8 First Financial Bank El Dorado 1,071,352 26,189 311 84 25,749 27,583 1.88 14.49 9 Bodcaw Bank Stamps 112,562 1,344 19 71 123 827 1.34 14.17 10 Horatio State Bank Horatio 217,671 3,288 43 76 3,107 2,736 1.55 13.50 11 Citizens Bank & Trust Company Van Buren 401,093 6,918 99 70 6,866 6,047 1.73 13.37 12 Bank of Salem Salem 143,522 2,142 35 61 2,229 1,644 1.55 13.26 13 Peoples Bank Sheridan 169,228 2,895 26 111 2,497 2,061 1.84 12.85 14 Farmers Bank & Trust Company Magnolia 1,603,404 20,373 252 81 18,067 21,270 1.31 12.75 15 Cornerstone Bank Eureka Springs 324,960 4,126 82 50 3,728 2,165 1.02 12.35 16 First State Bank Russellville 296,702 3,800 52 73 3,084 2,840 1.34 12.00 17 Centennial Bank Conway 14,884,518 318,401 1,889 169 275,089 172,482 2.12 11.92 18 Cross County Bank Wynne 273,815 3,770 80 47 3,177 2,175 1.50 11.70 19 Union Bank & Trust Company Monticello 211,380 3,318 54 61 3,142 3,073 1.18 11.66 20 First National Bank of Wynne Wynne 343,704 5,112 77 66 3,665 2,721 1.51 11.50 21 Bank OZK Little Rock 23,402,679 440,132 2,757 160 448,238 368,430 1.95 11.35 22 First National Bank Paragould 1,665,263 19,029 268 71 15,937 14,368 1.16 11.29 23 Generations Bank Rogers 524,912 5,445 113 48 3,612 3,439 1.04 11.22 24 Legacy National Bank Springdale 545,377 5,462 86 64 4,555 3,471 1.03 11.11 25 Bank of Lake Village Lake Village 66,326 877 15 58 754 211 1.33 10.94 26 Anstaff Bank Green Forest 698,663 9,439 155 61 7,755 6,732 1.07 10.88 27 Arkansas County Bank De Witt 180,998 2,657 42 63 2,054 1,785 1.19 10.71 28 First Community Bank Batesville 1,505,984 14,202 371 38 13,365 12,274 0.96 10.65 29 First National Bank of Eastern Arkansas Forrest City 418,194 5,952 104 57 5,031 3,846 1.10 10.63 30 Petit Jean State Bank Morrilton 186,928 2,812 28 100 2,465 2,164 1.52 10.57 31 First National Bank at Paris Paris 183,178 3,389 50 68 3,067 2,410 1.48 10.52 32 Simmons Bank Pine Bluff 17,716,051 257,626 2,683 96 182,653 114,270 1.52 10.28 33 River Town Bank Dardanelle 148,854 1,755 46 38 106 330 1.29 10.23 34 First State Bank of DeQueen De Queen 265,347 3,224 59 55 3,563 3,593 0.95 10.22 35 Security Bank Stephens 69,311 634 18 35 526 509 0.93 9.97 36 Bank of Delight Delight 133,270 2,357 25 94 2,002 1,560 1.35 9.79 37 Bank of Bearden Bearden 54,377 812 8 102 847 646 1.17 9.76 38 Fidelity Bank West Memphis 395,751 6,016 61 99 5,547 4,899 1.18 9.74 39 FNBC Bank Ash Flat 528,454 5,880 94 63 5,735 3,586 0.92 9.73 40 Diamond Bank Glenwood 639,264 7,966 150 53 6,944 6,891 0.97 9.66 41 First Security Bank Searcy 5,685,147 102,119 860 119 133,871 97,386 1.91 9.61 42 Piggott State Bank Piggott 84,774 1,018 21 48 1,042 951 0.89 9.60 43 First National Bank of North Arkansas Berryville 195,603 2,798 91 31 2,951 2,505 1.07 9.35 44 First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 217,820 2,739 61 45 3,039 2,281 0.97 8.99 45 Southern Bancorp Bank Arkadelphia 1,461,819 14,143 365 39 12,291 10,348 1.02 8.99 46 First Western Bank Booneville 449,168 3,320 108 31 2,600 2,234 0.76 8.81 47 Commercial Bank & Trust Company Monticello 211,937 2,255 37 61 2,859 2,788 0.81 8.77 48 Bank of Cave City Cave City 121,955 1,205 37 33 1,326 1,698 0.78 8.69 49 Riverwind Bank Augusta 102,568 918 28 33 537 646 0.88 8.64 50 Connect Bank Star City 98,262 1,670 30 56 1,430 1,465 1.31 8.57
Source: S&P Global Market Intelligence 25 Arkansas – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Riverside Bank Sparkman 60,238 25 15 40 4 1 17.0 2 Centennial Bank Conway 14,884,518 9 53 1 15 17 19.0 3 Bank OZK Little Rock 23,402,679 9 64 2 8 21 20.8 4 Peoples Bank Sheridan 169,228 44 45 6 3 13 22.2 5 First National Bank of Fort Smith Fort Smith 1,375,868 21 15 30 45 7 23.6 6 RiverBank Pocahontas 104,867 19 81 4 17 4 25.0 7 First State Bank Russellville 296,702 38 45 27 2 16 25.6 8 First National Bank of Wynne Wynne 343,704 34 33 21 31 20 27.8 9 Simmons Bank Pine Bluff 17,716,051 44 28 17 20 32 28.2 10 Farmers Bank and Trust Company Blytheville 281,617 32 36 23 50 3 28.8 11 Union Bank of Mena Mena 268,114 8 25 51 60 6 30.0 12 First National Bank Paragould 1,665,263 77 19 18 24 22 32.0 13 Cornerstone Bank Eureka Springs 324,960 28 14 65 46 15 33.6 13 Union Bank & Trust Company Monticello 211,380 47 18 54 30 19 33.6 15 McGehee Bank McGehee 137,155 26 40 28 25 52 34.2 16 Bank of Salem Salem 143,522 5 38 49 68 12 34.4 17 First National Bank at Paris Paris 183,178 4 12 72 58 31 35.4 18 Cross County Bank Wynne 273,815 3 57 63 42 18 36.6 19 First National Bank of Eastern Arkansas Forrest City 418,194 65 56 22 12 29 36.8 19 Farmers Bank & Trust Company Magnolia 1,603,404 73 41 16 40 14 36.8 19 First Security Bank Searcy 5,685,147 71 59 7 6 41 36.8 22 First Financial Bank El Dorado 1,071,352 11 8 79 80 8 37.2 23 First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 217,820 35 48 52 10 44 37.8 24 Citizens Bank & Trust Company Van Buren 401,093 56 41 14 71 11 38.6 25 Community State Bank Bradley 22,571 16 29 70 1 78 38.8 25 Bank of Bearden Bearden 54,377 51 86 11 9 37 38.8 25 Horatio State Bank Horatio 217,671 14 80 12 78 10 38.8 28 Security Bank Stephens 69,311 41 59 39 21 35 39.0 28 Generations Bank Rogers 524,912 61 38 47 26 23 39.0 30 Anstaff Bank Green Forest 698,663 50 59 26 36 26 39.4 31 Priority Bank Fayetteville 85,261 30 3 87 76 2 39.6 32 Fidelity Bank West Memphis 395,751 79 68 13 5 38 40.6 33 Farmers & Merchants Bank Stuttgart 1,506,471 44 37 42 23 58 40.8 34 Bank of England England 471,085 75 1 90 34 5 41.0 35 First Service Bank Greenbrier 338,812 18 12 82 32 62 41.2 36 First Western Bank Booneville 449,168 53 23 66 19 46 41.4 37 Connect Bank Star City 98,262 7 24 67 62 50 42.0 38 Bodcaw Bank Stamps 112,562 57 82 15 48 9 42.2 38 River Town Bank Dardanelle 148,854 11 10 75 82 33 42.2 40 Bank of Lake Village Lake Village 66,326 23 53 61 55 25 43.4 41 Petit Jean State Bank Morrilton 186,928 59 77 3 49 30 43.6 41 First State Bank of DeQueen De Queen 265,347 52 57 34 41 34 43.6 43 Riverwind Bank Augusta 102,568 39 62 58 13 49 44.2 44 Premier Bank of Arkansas Marion 164,571 15 49 55 54 51 44.8 45 Southern Bancorp Bank Arkadelphia 1,461,819 53 33 33 61 45 45.0 46 First National Bank of North Arkansas Berryville 195,603 1 21 84 79 43 45.6 46 Legacy National Bank Springdale 545,377 48 66 20 70 24 45.6 46 Relyance Bank, National Association Pine Bluff 866,549 60 20 57 35 56 45.6 49 FNBC Bank Ash Flat 528,454 41 30 56 63 39 45.8 50 Bank of Cave City Cave City 121,955 16 22 73 72 48 46.2
Source: S&P Global Market Intelligence 26 Rank The Banks Florida – 2019 Q3 Florida – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) American National Bank Oakland Park ANB Holdings, Inc. 10/15/1985 1 33 No 300,755 1.32 9.62 Anchor Bank Juno Beach 3/23/2005 2 25 No 143,227 0.90 9.14 Apollo Bank Miami Apollo Bancshares, Inc. 10/1/2001 5 89 No 746,768 1.24 12.87 Axiom Bank, National Association Maitland Axiom Bancshares, Inc. 1/1/1962 22 194 No 684,939 0.24 1.56 BAC Florida Bank Coral Gables 10/12/1973 1 178 No 2,270,782 1.42 14.80 Bank of Belle Glade Belle Glade Belle Glade Bank Corporation 11/14/1963 1 16 No 99,327 0.86 9.61 Bank of Central Florida Lakeland Bank of Central Florida Holding Company 3/19/2007 3 69 No 511,886 1.31 15.38 Bank of Pensacola Pensacola Five Flags Banks, Inc. 10/26/1973 2 12 No 86,735 0.25 1.84 Bank of Tampa Tampa Tampa Bay Banking Company 3/30/1973 12 265 No 1,874,118 1.34 14.37 Bank of the South Pensacola Five Flags Banks, Inc. 5/20/1964 2 18 No 79,796 0.22 1.21 BankFlorida Jupiter 8/27/2007 1 18 No 90,873 (0.70) (7.09) BankUnited, National Association Miami Lakes BankUnited, Inc. 5/21/2009 83 1,516 No 32,873,804 0.92 9.63 Beach Community Bank Fort Walton Beach 4/27/2001 12 110 No 491,271 0.19 1.65 Brannen Bank Inverness Brannen Banks of Florida, Inc. 7/1/1926 12 94 Yes 539,982 1.51 23.88 Capital City Bank Tallahassee Capital City Bank Group, Inc. 1/1/1895 64 813 No 2,911,804 1.13 9.58 CenterState Bank, National Association Winter Haven CenterState Bank Corporation 2/21/1992 154 2,705 No 17,409,097 1.43 8.87 Central Bank Tampa Central Financial Holdings, Inc. 2/26/2007 3 46 No 189,038 0.15 1.67 Century Bank of Florida Tampa Century Bancshares of Florida, Inc. 9/11/2000 1 17 Yes 82,016 0.54 6.26 Charlotte State Bank & Trust Port Charlotte Crews Banking Corporation 11/3/1987 7 77 Yes 379,290 1.75 18.26 Citizens Bank and Trust Lake Wales Citizens Banking Corporation 5/13/1920 14 156 Yes 665,650 0.89 11.35 Citizens Bank of Florida Oviedo Citizens Bancorp of Oviedo, Inc. 7/1/1946 6 64 No 354,346 0.78 9.15 Citizens First Bank The Villages Villages Bancorporation, Inc. 7/1/1991 12 326 No 2,345,075 1.73 15.25 City National Bank of Florida Miami Inversiones Baquio Ltda 1/1/1946 32 855 No 15,248,282 0.93 7.84 Cogent Bank Orange City Cogent Bancorp, Inc. 9/10/1999 2 73 No 243,024 (1.19) (6.72) Columbia Bank Lake City PBD Holdings, LLC 2/1/1912 5 52 No 210,782 0.11 1.06 Commerce National Bank & Trust Winter Park Commerce National Bankshares of Florida, Inc. 2/3/2003 1 19 Yes 113,761 0.99 7.94 Community Bank and Trust of Florida Ocala Florida Community Bankshares, Inc. 4/2/1998 11 132 No 743,628 0.97 10.72 Community Bank of the South Merritt Island CBOS Bankshares, Inc. 11/29/1999 3 20 No 154,204 1.30 13.18 Community State Bank Starke Community State Bank Corporation 3/19/1957 3 39 No 125,834 0.50 5.69 Crews Bank & Trust Arcadia Crews Banking Corporation 7/17/1973 3 34 Yes 154,871 0.81 6.83 Drummond Community Bank Chiefland Drummond Banking Company 1/12/1990 18 202 No 632,828 1.43 12.65 Eastern National Bank Miami 9/3/1969 5 83 No 357,226 (1.57) (16.19) Edison National Bank Fort Myers Edison Bancshares, Inc. 8/29/1997 4 41 Yes 302,015 0.84 10.57 Englewood Bank & Trust Englewood Crews Banking Corporation 4/4/1988 4 46 Yes 303,523 1.69 18.10 Executive National Bank Miami Executive Banking Corporation 6/2/1972 3 78 No 466,844 0.68 6.33 FineMark National Bank & Trust Fort Myers FineMark Holdings, Inc. 2/16/2007 13 189 No 2,103,692 0.88 9.52 First Bank Clewiston Pioneer Bankcorp, Inc. 1/8/1922 7 96 No 386,003 0.97 10.63 First Bank of the Palm Beaches West Palm Beach 3/6/2006 2 32 No 189,126 0.60 6.87 First Citrus Bank Tampa First Citrus Bancorporation, Inc. 2/1/1999 5 71 No 416,037 1.10 11.59 First City Bank of Florida Fort Walton Beach Florida First City Banks, Inc. 11/17/1948 2 42 No 146,119 (0.46) (18.63) First Colony Bank of Florida Maitland 1/28/2008 1 19 Yes 231,463 1.61 16.15 First Federal Bank Lake City First Federal Bancorp, MHC 1/1/1962 24 814 No 2,204,932 1.31 11.06 First Florida Bank Destin First Bancshares, Inc. 11/27/2006 6 68 No 438,164 1.28 10.84 First Florida Integrity Bank Naples TGR Financial, Inc. 10/26/2009 7 146 No 1,525,155 1.11 12.26 First Home Bank Saint Petersburg First Home Bancorp, Inc. 2/12/1999 5 385 No 506,778 0.05 0.44 First National Bank Northwest Florida Panama City First Northwest Florida Holding Company 5/5/1984 2 32 Yes 182,303 1.19 11.23 First National Bank of Mount Dora Mount Dora FNBMD Bancshares, Inc. 9/1/1925 4 78 No 244,951 1.37 8.73 First National Bank of Pasco Dade City Florida Bancshares, Inc. 11/3/1986 4 44 No 179,811 0.57 5.42 First National Bank of South Miami South Miami First Miami Bancorp, Inc. 4/3/1952 5 118 No 804,376 0.88 8.97 First National Bank of Wauchula Wauchula First Hardee Holding Corporation 1/12/1960 1 28 Yes 71,668 0.29 2.55
Source: S&P Global Market Intelligence 28 Florida – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First State Bank of the Florida Keys Key West First State Bank of the Florida Keys Holding Company 10/29/1955 12 192 Yes 968,130 0.99 11.75 Flagler Bank West Palm Beach Flagler Bancshares Corporation 4/10/2000 3 35 Yes 321,834 1.27 13.62 Flagship Community Bank Clearwater 1/23/2006 2 26 No 115,771 1.01 7.38 Florida Business Bank Melbourne Reserve Financial Associates, LLC 3/15/2000 1 17 No 146,874 1.32 9.60 Florida Capital Bank, N.A. Jacksonville Florida Capital Group, Inc. 8/12/1985 5 171 No 536,744 2.34 25.92 FNBT Bank Fort Walton Beach Southern National Banks, Inc. 4/9/1956 10 91 Yes 451,165 1.27 11.63 Freedom Bank Saint Petersburg Fourth Street Banking Company 4/4/2005 2 52 No 306,215 1.46 16.57 Grove Bank & Trust Miami Coconut Grove Bankshares, Inc. 7/12/1926 5 107 No 714,503 0.22 1.26 Heartland National Bank Sebring Heartland Bancshares, Inc. 9/7/1999 4 60 No 415,275 1.36 14.40 Helm Bank USA Miami 12/8/1989 1 120 No 838,024 0.99 8.64 Hillsboro Bank Plant City 7/6/1998 3 25 No 154,155 1.62 11.88 Home Federal Bank of Hollywood Hallandale Beach Home Bancgroup, Inc. 9/8/1998 1 13 No 57,450 (0.89) (6.41) Interamerican Bank, A FSB Miami 8/23/1976 5 75 No 199,184 0.92 6.81 Intercredit Bank, National Association Miami 7/2/1984 4 74 No 376,153 (0.04) (0.39) International Finance Bank Miami 1/1/1982 3 98 No 753,116 0.66 9.17 Intracoastal Bank Palm Coast Intracoastal Bancorp, Inc. 6/16/2008 2 36 Yes 338,735 1.41 15.55 Lafayette State Bank Mayo 4/2/1946 4 41 No 105,507 0.79 10.99 Legacy Bank of Florida Boca Raton 5/15/2006 5 53 No 457,834 0.99 9.19 Madison County Community Bank Madison Madison Community Bancshares Corporation 5/5/1999 1 26 No 126,783 0.98 11.37 Mainstreet Community Bank of Florida Deland 10/24/2003 7 94 No 464,756 1.47 17.92 Marine Bank & Trust Company Vero Beach Marine Bancorp of Florida, Inc. 7/1/1997 4 58 No 277,805 0.63 7.28 Marquis Bank Coral Gables Marquis Bancorp, Inc. 8/13/2007 3 70 No 676,790 1.25 13.22 Ocean Bank Miami Ocean Bankshares, Inc. 12/9/1982 23 648 No 4,306,068 0.76 6.71 One Florida Bank Orlando 10/29/2008 3 72 No 351,479 (2.17) (5.96) OptimumBank Plantation OptimumBank Holdings, Inc. 11/1/2000 3 19 No 118,534 (0.54) (5.23) Pacific National Bank Miami 8/6/1982 3 74 No 586,127 0.33 2.48 Paradise Bank Boca Raton Paradise Bancorp, Inc. 7/25/2005 3 51 Yes 318,786 1.60 14.51 Peoples Bank of Graceville Graceville PBG Financial Services, Inc. 7/12/1974 1 15 Yes 95,322 0.96 8.25 Pilot Bank Tampa Pilot Bancshares, Inc. 9/4/1987 6 64 No 426,089 0.54 5.26 Plus International Bank Miami 9/14/2001 1 14 No 82,652 0.21 1.18 PNB Community Bank Niceville Bankshares Corporation of Niceville 6/16/1986 3 38 No 104,555 0.54 4.99 Prime Meridian Bank Tallahassee Prime Meridian Holding Company 2/4/2008 4 90 No 483,964 0.98 10.98 Professional Bank Coral Gables Professional Holding Corp. 9/8/2008 5 135 No 962,817 0.39 4.70 Raymond James Bank, National Association Saint Petersburg Raymond James Financial, Inc. 5/7/1994 1 263 No 25,705,477 1.61 18.77 Sabal Palm Bank Sarasota Sabal Palm Bancorp, Inc. 10/10/2006 3 43 No 237,976 0.65 7.27 Sanibel Captiva Community Bank Sanibel 1/21/2003 7 96 No 460,165 1.59 22.06 Seacoast National Bank Stuart Seacoast Banking Corporation of Florida 10/2/1926 50 865 No 6,890,580 1.34 9.91 Seaside National Bank & Trust Orlando Three Shores Bancorporation, Inc. 10/31/2006 14 157 No 1,857,243 0.79 9.65 Sunrise Bank Cocoa Beach Sunrise Bancshares, Inc. 8/1/2005 3 43 Yes 233,502 1.08 9.47 Sunstate Bank Miami 3/15/1999 3 56 No 458,085 1.51 13.90 Surety Bank Deland 1/1/1926 4 36 Yes 131,338 1.05 9.49 Terrabank, N.A. Miami 11/21/1985 3 96 No 425,213 0.53 5.80 TIAA, FSB Jacksonville TIAA 10/1/1998 12 2,610 No 41,159,008 0.48 4.74 TransCapital Bank Sunrise 7/26/1999 3 18 Yes 208,456 1.73 9.54 U.S. Century Bank Doral 10/28/2002 11 177 No 1,283,256 2.84 23.23 United Southern Bank Umatilla UniSouth, Inc. 3/1/1937 15 153 No 533,396 1.04 11.03 Warrington Bank Pensacola Five Flags Banks, Inc. 3/18/1953 2 17 No 87,998 0.38 2.01 Wauchula State Bank Wauchula Crews Banking Corporation 4/1/1929 7 153 Yes 691,936 1.64 13.60
Source: S&P Global Market Intelligence 29 Florida – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 TIAA, FSB Jacksonville 2,610 12 27,088,266 2,257,356 3,429,917 10,379 15,770 41,159,008 2 BankUnited, National Association Miami Lakes 1,516 83 24,229,754 291,925 396,070 15,983 21,685 32,873,804 3 Raymond James Bank, National Association Saint Petersburg 263 1 22,444,247 22,444,247 25,705,477 85,339 97,739 25,705,477 4 CenterState Bank, National Association Winter Haven 2,705 154 13,369,190 86,813 113,046 4,942 6,436 17,409,097 5 City National Bank of Florida Miami 855 32 11,558,840 361,214 476,509 13,519 17,834 15,248,282 6 Seacoast National Bank Stuart 865 50 5,673,167 113,463 137,812 6,559 7,966 6,890,580 7 Ocean Bank Miami 648 23 3,676,040 159,828 187,220 5,673 6,645 4,306,068 8 Capital City Bank Tallahassee 813 64 2,514,595 39,291 45,497 3,093 3,582 2,911,804 9 Citizens First Bank The Villages 326 12 1,923,927 160,327 195,423 5,902 7,193 2,345,075 10 BAC Florida Bank Coral Gables 178 1 1,812,934 1,812,934 2,270,782 10,185 12,757 2,270,782 11 First Federal Bank Lake City 814 24 1,640,261 68,344 91,872 2,015 2,709 2,204,932 12 FineMark National Bank & Trust Fort Myers 189 13 1,607,262 123,636 161,822 8,504 11,131 2,103,692 13 Bank of Tampa Tampa 265 12 1,639,593 136,633 156,177 6,187 7,072 1,874,118 14 Seaside National Bank & Trust Orlando 157 14 1,509,556 107,825 132,660 9,615 11,830 1,857,243 15 First Florida Integrity Bank Naples 146 7 1,242,641 177,520 217,879 8,511 10,446 1,525,155 16 U.S. Century Bank Doral 177 11 1,039,366 94,488 116,660 5,872 7,250 1,283,256 17 First State Bank of the Florida Keys Key West 192 12 731,029 60,919 80,678 3,807 5,042 968,130 18 Professional Bank Coral Gables 135 5 825,576 165,115 192,563 6,115 7,132 962,817 19 Helm Bank USA Miami 120 1 718,882 718,882 838,024 5,991 6,984 838,024 20 First National Bank of South Miami South Miami 118 5 676,697 135,339 160,875 5,735 6,817 804,376 21 International Finance Bank Miami 98 3 681,436 227,145 251,039 6,953 7,685 753,116 22 Apollo Bank Miami 89 5 656,348 131,270 149,354 7,375 8,391 746,768 23 Community Bank and Trust of Florida Ocala 132 11 673,001 61,182 67,603 5,098 5,634 743,628 24 Grove Bank & Trust Miami 107 5 562,648 112,530 142,901 5,258 6,678 714,503 25 Wauchula State Bank Wauchula 153 7 597,226 85,318 98,848 3,903 4,522 691,936 26 Axiom Bank, National Association Maitland 194 22 499,634 22,711 31,134 2,575 3,531 684,939 27 Marquis Bank Coral Gables 70 3 579,095 193,032 225,597 8,273 9,668 676,790 28 Citizens Bank and Trust Lake Wales 156 14 587,604 41,972 47,546 3,767 4,267 665,650 29 Drummond Community Bank Chiefland 202 18 548,564 30,476 35,157 2,716 3,133 632,828 30 Pacific National Bank Miami 74 3 448,886 149,629 195,376 6,066 7,921 586,127 31 Brannen Bank Inverness 94 12 503,165 41,930 44,999 5,353 5,744 539,982 32 Florida Capital Bank, N.A. Jacksonville 171 5 341,999 68,400 107,349 2,000 3,139 536,744 33 United Southern Bank Umatilla 153 15 473,488 31,566 35,560 3,095 3,486 533,396 34 Bank of Central Florida Lakeland 69 3 462,701 154,234 170,629 6,706 7,419 511,886 35 First Home Bank Saint Petersburg 385 5 413,523 82,705 101,356 1,074 1,316 506,778 36 Beach Community Bank Fort Walton Beach 110 12 392,390 32,699 40,939 3,567 4,466 491,271 37 Prime Meridian Bank Tallahassee 90 4 433,580 108,395 120,991 4,818 5,377 483,964 38 Executive National Bank Miami 78 3 392,531 130,844 155,615 5,032 5,985 466,844 39 Mainstreet Community Bank of Florida Deland 94 7 421,082 60,155 66,394 4,480 4,944 464,756 40 Sanibel Captiva Community Bank Sanibel 96 7 380,822 54,403 65,738 3,967 4,793 460,165 41 Sunstate Bank Miami 56 3 349,355 116,452 152,695 6,238 8,180 458,085 42 Legacy Bank of Florida Boca Raton 53 5 359,070 71,814 91,567 6,775 8,638 457,834 43 FNBT Bank Fort Walton Beach 91 10 373,759 37,376 45,117 4,107 4,958 451,165 44 First Florida Bank Destin 68 6 372,279 62,047 73,027 5,475 6,444 438,164 45 Pilot Bank Tampa 64 6 353,605 58,934 71,015 5,525 6,658 426,089 46 Terrabank, N.A. Miami 96 3 384,133 128,044 141,738 4,001 4,429 425,213 47 First Citrus Bank Tampa 71 5 343,652 68,730 83,207 4,840 5,860 416,037 48 Heartland National Bank Sebring 60 4 362,469 90,617 103,819 6,041 6,921 415,275 49 First Bank Clewiston 96 7 345,939 49,420 55,143 3,604 4,021 386,003 50 Charlotte State Bank & Trust Port Charlotte 77 7 338,628 48,375 54,184 4,398 4,926 379,290
Source: S&P Global Market Intelligence 30 Florida – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 First Home Bank Saint Petersburg 506,778 7.53 37.03 1.81 37.19 90.16 2.13 5.22 2 Paradise Bank Boca Raton 318,786 6.49 (0.02) 0.37 3.75 78.87 2.26 5.01 3 First National Bank of Wauchula Wauchula 71,668 6.17 16.29 0.59 (1.82) 84.70 2.42 4.80 4 Sanibel Captiva Community Bank Sanibel 460,165 5.73 5.57 0.87 8.99 104.23 2.44 4.69 5 Interamerican Bank, A FSB Miami 199,184 5.71 5.24 0.68 (2.67) 100.25 4.17 4.64 6 Lafayette State Bank Mayo 105,507 6.25 11.09 0.19 12.88 68.23 2.55 4.59 7 Drummond Community Bank Chiefland 632,828 5.86 31.07 0.24 26.03 69.01 3.34 4.46 8 Mainstreet Community Bank of Florida Deland 464,756 5.35 17.90 0.47 16.18 83.37 2.14 4.45 9 First National Bank of Pasco Dade City 179,811 5.75 21.37 0.42 (2.41) 86.91 2.34 4.42 10 Wauchula State Bank Wauchula 691,936 5.86 (2.00) 0.41 5.13 74.29 3.22 4.37 11 PNB Community Bank Niceville 104,555 6.11 4.86 0.28 6.21 67.09 2.34 4.35 12 Axiom Bank, National Association Maitland 684,939 6.38 (1.27) 1.68 0.87 105.84 2.66 4.34 13 First Federal Bank Lake City 2,204,932 6.30 15.72 0.92 8.31 76.83 3.25 4.33 14 CenterState Bank, National Association Winter Haven 17,409,097 5.65 45.74 0.60 41.02 90.07 2.88 4.32 15 American National Bank Oakland Park 300,755 5.19 (7.29) 0.86 (4.42) 88.42 2.54 4.26 16 Community State Bank Starke 125,834 6.49 13.00 0.13 (6.81) 57.19 2.63 4.25 17 Freedom Bank Saint Petersburg 306,215 5.70 14.74 1.02 10.90 90.07 2.90 4.24 18 First Colony Bank of Florida Maitland 231,463 5.62 1.27 0.54 13.51 78.17 3.28 4.22 19 Hillsboro Bank Plant City 154,155 5.50 (17.33) 0.38 13.45 59.68 3.80 4.20 19 First Bank of the Palm Beaches West Palm Beach 189,126 5.15 7.24 0.84 9.18 87.50 3.12 4.20 21 Sunrise Bank Cocoa Beach 233,502 6.15 12.35 1.09 14.15 82.97 2.57 4.16 22 First Bank Clewiston 386,003 5.37 5.89 0.55 10.36 79.30 1.87 4.14 23 Englewood Bank & Trust Englewood 303,523 5.42 11.04 0.15 3.90 72.23 2.52 4.12 24 Crews Bank & Trust Arcadia 154,871 5.93 2.35 0.31 8.69 58.94 2.76 4.08 25 Bank of Tampa Tampa 1,874,118 4.84 7.35 0.17 7.05 73.53 2.88 4.07 26 Plus International Bank Miami 82,652 6.38 1.64 1.94 (0.83) 94.49 2.98 4.02 27 First City Bank of Florida Fort Walton Beach 146,119 5.46 (17.50) 0.64 (13.42) 64.07 2.34 4.01 28 TransCapital Bank Sunrise 208,456 6.30 8.30 1.92 3.77 99.81 5.22 4.00 28 Seacoast National Bank Stuart 6,890,580 5.14 23.00 0.60 22.16 88.36 3.04 4.00 30 First Citrus Bank Tampa 416,037 5.51 4.92 1.14 7.02 93.61 3.93 3.99 30 Intracoastal Bank Palm Coast 338,735 5.47 8.98 0.71 4.95 76.65 2.92 3.99 32 Florida Business Bank Melbourne 146,874 5.70 9.60 1.12 14.24 83.41 2.70 3.98 33 United Southern Bank Umatilla 533,396 5.54 4.00 0.23 0.60 65.37 2.13 3.96 34 Century Bank of Florida Tampa 82,016 5.93 13.66 1.07 1.81 84.22 2.30 3.93 35 Sabal Palm Bank Sarasota 237,976 5.32 9.66 0.79 18.20 85.70 2.07 3.92 35 Surety Bank Deland 131,338 6.06 3.43 0.93 24.31 63.02 3.23 3.92 37 Marine Bank & Trust Company Vero Beach 277,805 4.87 11.11 0.61 (1.79) 96.43 2.32 3.91 38 Brannen Bank Inverness 539,982 5.28 2.37 0.23 2.27 61.02 2.59 3.90 38 Capital City Bank Tallahassee 2,911,804 5.14 3.30 0.23 4.01 73.21 2.05 3.90 40 Charlotte State Bank & Trust Port Charlotte 379,290 5.32 6.17 0.14 2.72 62.99 2.47 3.88 41 Citizens Bank of Florida Oviedo 354,346 5.34 3.56 0.71 17.00 70.10 2.61 3.86 42 Ocean Bank Miami 4,306,068 5.18 7.47 0.97 11.47 88.99 2.86 3.81 43 Executive National Bank Miami 466,844 4.67 9.60 0.54 4.14 97.68 2.53 3.79 44 Commerce National Bank & Trust Winter Park 113,761 5.14 (7.30) 0.85 (4.17) 93.88 3.02 3.75 45 Flagship Community Bank Clearwater 115,771 5.62 (8.69) 1.34 (3.16) 85.02 1.40 3.71 46 Prime Meridian Bank Tallahassee 483,964 5.20 9.42 0.86 17.33 75.58 2.61 3.70 46 Citizens Bank and Trust Lake Wales 665,650 4.86 0.47 0.27 3.52 65.65 3.02 3.70 46 Madison County Community Bank Madison 126,783 5.86 9.49 0.48 (1.20) 56.55 2.37 3.70 46 Columbia Bank Lake City 210,782 5.04 3.28 0.77 (0.67) 83.75 2.77 3.70 50 Community Bank of the South Merritt Island 154,204 6.68 1.28 0.32 (4.60) 38.04 2.77 3.69
Source: S&P Global Market Intelligence 31 Florida – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 First Home Bank Saint Petersburg 506,778 220 0.10 9.91 (0.44) 0.00 39,377 9.59 2 Florida Capital Bank, N.A. Jacksonville 536,744 9,756 0.04 3.57 0.00 (0.05) 22,422 5.39 3 First National Bank of Mount Dora Mount Dora 244,951 3,253 0.13 0.00 0.00 0.02 5,866 2.47 4 First Federal Bank Lake City 2,204,932 25,483 0.20 1.02 0.75 (0.01) 45,570 2.35 5 Surety Bank Deland 131,338 1,708 1.88 0.00 0.00 0.00 2,608 2.14 6 Charlotte State Bank & Trust Port Charlotte 379,290 8,551 0.24 0.00 0.00 (0.02) 6,880 1.88 7 Capital City Bank Tallahassee 2,911,804 33,124 0.67 0.17 0.00 0.06 53,903 1.84 8 FNBT Bank Fort Walton Beach 451,165 7,492 0.18 0.67 0.00 0.00 7,545 1.70 9 Lafayette State Bank Mayo 105,507 807 0.79 0.22 0.01 (0.17) 1,637 1.60 10 Anchor Bank Juno Beach 143,227 1,228 0.03 0.00 0.00 0.94 1,653 1.21 11 Commerce National Bank & Trust Winter Park 113,761 1,512 0.02 0.00 0.06 0.00 1,349 1.18 11 Beach Community Bank Fort Walton Beach 491,271 915 0.13 0.41 0.00 0.19 5,746 1.18 13 Axiom Bank, National Association Maitland 684,939 1,559 0.39 0.05 0.00 0.00 7,526 1.16 13 Sunstate Bank Miami 458,085 6,557 0.16 0.00 0.00 0.00 5,041 1.16 15 Paradise Bank Boca Raton 318,786 6,712 0.09 0.63 0.29 0.00 3,583 1.13 16 Drummond Community Bank Chiefland 632,828 8,543 0.46 0.01 0.00 0.00 6,602 1.11 17 FineMark National Bank & Trust Fort Myers 2,103,692 16,778 0.01 0.00 0.00 0.00 20,665 1.08 18 Grove Bank & Trust Miami 714,503 1,436 0.13 0.00 0.00 (0.03) 6,932 1.06 19 Freedom Bank Saint Petersburg 306,215 4,282 0.08 0.80 0.00 0.00 2,976 1.02 20 CenterState Bank, National Association Winter Haven 17,409,097 209,284 0.18 0.19 0.00 0.00 147,066 1.01 21 Citizens Bank and Trust Lake Wales 665,650 7,715 0.24 0.00 0.00 (0.04) 6,304 0.97 22 Flagship Community Bank Clearwater 115,771 1,198 0.04 0.05 0.02 0.00 1,098 0.93 23 Community State Bank Starke 125,834 647 0.35 0.00 0.00 (0.01) 1,204 0.92 24 TIAA, FSB Jacksonville 41,159,008 183,067 0.00 0.18 0.04 0.00 347,522 0.91 25 Cogent Bank Orange City 243,024 (2,049) 0.05 0.58 0.00 0.00 1,544 0.90 26 First Florida Bank Destin 438,164 5,511 0.05 0.60 0.00 0.00 3,816 0.89 27 Englewood Bank & Trust Englewood 303,523 6,710 0.12 0.00 0.00 0.00 2,632 0.88 28 Seacoast National Bank Stuart 6,890,580 90,419 0.17 0.13 0.01 0.01 55,514 0.82 28 Citizens First Bank The Villages 2,345,075 39,690 0.03 0.58 0.08 0.00 18,866 0.82 28 Home Federal Bank of Hollywood Hallandale Beach 57,450 (472) 0.03 0.00 (0.01) 0.00 436 0.82 31 First Bank Clewiston 386,003 3,631 0.23 0.05 0.02 0.00 2,934 0.78 32 Community Bank and Trust of Florida Ocala 743,628 7,017 0.14 0.00 0.07 0.00 5,450 0.76 33 United Southern Bank Umatilla 533,396 5,460 0.14 0.01 0.00 0.00 3,959 0.75 34 Terrabank, N.A. Miami 425,213 2,111 0.35 0.01 0.00 0.00 2,926 0.73 35 Bank of Tampa Tampa 1,874,118 22,848 0.18 0.04 0.00 (0.01) 12,206 0.71 36 Crews Bank & Trust Arcadia 154,871 1,618 0.36 0.00 0.00 0.00 1,046 0.70 37 Central Bank Tampa 189,038 262 0.01 0.58 0.04 0.00 1,154 0.66 38 Wauchula State Bank Wauchula 691,936 14,705 0.31 0.00 0.00 (0.04) 4,214 0.62 39 Madison County Community Bank Madison 126,783 1,226 0.42 0.00 0.00 (0.10) 747 0.60 40 Helm Bank USA Miami 838,024 8,222 0.17 0.00 0.00 0.03 4,606 0.55 41 BAC Florida Bank Coral Gables 2,270,782 31,595 0.06 0.02 0.04 0.00 11,934 0.53 42 Seaside National Bank & Trust Orlando 1,857,243 14,898 0.04 0.01 0.00 0.00 9,708 0.52 42 First National Bank of Pasco Dade City 179,811 1,012 0.08 0.00 0.00 0.01 922 0.52 44 Ocean Bank Miami 4,306,068 31,190 0.20 0.01 0.00 (0.03) 20,745 0.51 45 U.S. Century Bank Doral 1,283,256 34,262 0.22 0.02 0.00 0.00 5,792 0.48 45 Century Bank of Florida Tampa 82,016 592 0.09 0.00 0.00 0.13 396 0.48 45 Executive National Bank Miami 466,844 3,071 0.28 0.00 0.00 0.00 2,162 0.48 48 Brannen Bank Inverness 539,982 10,662 0.12 0.00 0.00 0.01 2,515 0.47 48 Sanibel Captiva Community Bank Sanibel 460,165 6,909 0.04 0.28 0.01 0.00 2,049 0.47 48 Pilot Bank Tampa 426,089 2,063 0.09 0.26 0.04 0.00 1,806 0.47
Source: S&P Global Market Intelligence 32 Florida – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Raymond James Bank, National Association Saint Petersburg 25,705,477 36.15 263 1 0.19 0.01 1.04 1.24 2 City National Bank of Florida Miami 15,248,282 50.01 855 32 0.95 0.15 0.46 1.56 3 Citizens First Bank The Villages 2,345,075 41.97 326 12 0.95 0.21 0.45 1.61 4 Flagler Bank West Palm Beach 321,834 47.38 35 3 1.04 0.16 0.50 1.71 5 TransCapital Bank Sunrise 208,456 42.84 18 3 0.80 0.29 0.64 1.73 6 Peoples Bank of Graceville Graceville 95,322 56.80 15 1 1.01 0.17 0.60 1.78 7 BAC Florida Bank Coral Gables 2,270,782 50.27 178 1 1.11 0.14 0.57 1.82 8 BankUnited, National Association Miami Lakes 32,873,804 58.19 1,516 83 0.64 0.22 0.98 1.84 9 First National Bank Northwest Florida Panama City 182,303 53.83 32 2 1.12 0.27 0.46 1.86 10 Heartland National Bank Sebring 415,275 51.24 60 4 1.05 0.18 0.67 1.90 11 Seaside National Bank & Trust Orlando 1,857,243 59.50 157 14 1.26 0.23 0.42 1.92 12 Bank of Central Florida Lakeland 511,886 55.70 69 3 1.47 0.11 0.37 1.94 13 American National Bank Oakland Park 300,755 52.85 33 1 1.24 0.15 0.57 1.96 14 Marquis Bank Coral Gables 676,790 53.51 70 3 1.22 0.21 0.59 2.02 15 Hillsboro Bank Plant City 154,155 48.36 25 3 1.24 0.28 0.51 2.04 16 First Colony Bank of Florida Maitland 231,463 46.43 19 1 1.30 0.16 0.57 2.04 17 Intracoastal Bank Palm Coast 338,735 51.19 36 2 1.26 0.18 0.61 2.05 18 Bank of Belle Glade Belle Glade 99,327 64.38 16 1 1.15 0.16 0.78 2.09 19 First Florida Integrity Bank Naples 1,525,155 59.42 146 7 1.33 0.26 0.54 2.13 20 Community Bank of the South Merritt Island 154,204 57.43 20 3 1.23 0.29 0.62 2.14 21 Legacy Bank of Florida Boca Raton 457,834 63.32 53 5 1.39 0.28 0.50 2.17 22 Sunstate Bank Miami 458,085 50.22 56 3 1.34 0.19 0.70 2.22 23 Brannen Bank Inverness 539,982 53.28 94 12 1.11 0.23 0.94 2.29 24 Apollo Bank Miami 746,768 61.14 89 5 1.31 0.39 0.62 2.32 25 Florida Business Bank Melbourne 146,874 59.89 17 1 1.42 0.20 0.73 2.34 26 Warrington Bank Pensacola 87,998 82.02 17 2 1.38 0.28 0.70 2.36 27 TIAA, FSB Jacksonville 41,159,008 74.55 2,610 12 1.18 0.17 1.03 2.37 28 FineMark National Bank & Trust Fort Myers 2,103,692 67.57 189 13 1.49 0.24 0.67 2.39 29 Pacific National Bank Miami 586,127 79.99 74 3 1.62 0.15 0.66 2.42 30 Prime Meridian Bank Tallahassee 483,964 62.88 90 4 1.30 0.30 0.83 2.43 31 Edison National Bank Fort Myers 302,015 68.57 41 4 1.30 0.41 0.74 2.44 32 Bank of the South Pensacola 79,796 88.78 18 2 1.50 0.30 0.66 2.47 33 Seacoast National Bank Stuart 6,890,580 55.34 865 50 1.38 0.33 0.77 2.47 34 Wauchula State Bank Wauchula 691,936 50.10 153 7 1.79 0.35 0.37 2.51 35 Englewood Bank & Trust Englewood 303,523 51.01 46 4 1.30 0.22 1.00 2.52 36 Bank of Pensacola Pensacola 86,735 85.31 12 2 1.22 0.38 0.96 2.55 37 First State Bank of the Florida Keys Key West 968,130 65.55 192 12 1.73 0.31 0.53 2.57 38 Community Bank and Trust of Florida Ocala 743,628 67.02 132 11 1.53 0.34 0.72 2.59 39 U.S. Century Bank Doral 1,283,256 72.23 177 11 1.43 0.51 0.66 2.60 40 Madison County Community Bank Madison 126,783 62.84 26 1 1.29 0.32 0.99 2.60 41 First National Bank of South Miami South Miami 804,376 69.65 118 5 1.58 0.30 0.76 2.64 42 First Citrus Bank Tampa 416,037 63.77 71 5 1.71 0.32 0.61 2.65 43 Pilot Bank Tampa 426,089 76.56 64 6 1.47 0.35 0.88 2.70 44 CenterState Bank, National Association Winter Haven 17,409,097 56.56 2,705 154 1.60 0.27 0.85 2.72 45 International Finance Bank Miami 753,116 71.57 98 3 1.62 0.36 0.75 2.74 46 First Florida Bank Destin 438,164 61.70 68 6 1.67 0.41 0.70 2.77 47 Citizens Bank of Florida Oviedo 354,346 72.02 64 6 1.75 0.31 0.73 2.80 48 Sanibel Captiva Community Bank Sanibel 460,165 56.77 96 7 1.79 0.29 0.77 2.85 49 Bank of Tampa Tampa 1,874,118 62.44 265 12 1.83 0.39 0.63 2.85 50 Sunrise Bank Cocoa Beach 233,502 66.65 43 3 1.92 0.31 0.65 2.88
Source: S&P Global Market Intelligence 33 Florida – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Florida Business Bank Melbourne 146,874 105,358 1.29 0.00 0.00 0.00 (0.14) (0.14) 2 Sabal Palm Bank Sarasota 237,976 183,005 1.26 0.00 0.00 0.00 (0.04) (0.04) 3 Edison National Bank Fort Myers 302,015 140,189 1.45 0.00 0.00 0.00 (0.01) (0.01) 4 Bank of the South Pensacola 79,796 25,340 1.03 0.00 0.00 0.00 0.00 0.00 5 First Florida Integrity Bank Naples 1,525,155 1,132,376 0.86 0.00 0.00 0.02 (0.01) 0.01 6 Warrington Bank Pensacola 87,998 28,566 1.03 0.00 0.00 0.00 0.01 0.01 7 Bank of Pensacola Pensacola 86,735 46,530 0.96 0.01 0.00 0.00 0.00 0.01 8 Legacy Bank of Florida Boca Raton 457,834 398,290 0.65 0.00 0.00 0.05 0.01 0.06 9 American National Bank Oakland Park 300,755 222,394 1.08 0.00 0.00 0.07 0.00 0.07 10 Community Bank and Trust of Florida Ocala 743,628 293,915 1.39 0.01 0.00 0.14 (0.06) 0.09 11 Bank of Central Florida Lakeland 511,886 352,210 0.90 0.00 0.00 0.04 0.06 0.10 12 Community Bank of the South Merritt Island 154,204 51,456 1.42 0.00 0.00 0.24 (0.11) 0.13 13 FineMark National Bank & Trust Fort Myers 2,103,692 1,472,898 1.05 0.02 0.00 0.11 0.01 0.14 14 First Bank of the Palm Beaches West Palm Beach 189,126 150,228 0.73 0.00 0.00 0.18 (0.04) 0.14 15 Sunrise Bank Cocoa Beach 233,502 162,095 0.95 0.16 0.00 0.00 0.00 0.16 16 Anchor Bank Juno Beach 143,227 116,106 0.84 0.24 0.00 0.07 (0.13) 0.17 17 First National Bank Northwest Florida Panama City 182,303 68,462 1.83 0.00 0.29 0.00 0.00 0.29 18 One Florida Bank Orlando 351,479 200,922 1.00 0.00 0.00 0.28 0.01 0.29 19 Raymond James Bank, National Association Saint Petersburg 25,705,477 21,108,983 1.03 0.01 0.00 0.27 0.03 0.30 20 Hillsboro Bank Plant City 154,155 78,788 1.31 0.05 0.00 0.33 0.01 0.39 21 Freedom Bank Saint Petersburg 306,215 248,948 1.15 0.00 0.00 0.42 (0.02) 0.40 22 Pacific National Bank Miami 586,127 404,267 0.77 0.00 0.00 0.43 0.00 0.43 23 Marine Bank & Trust Company Vero Beach 277,805 232,371 1.10 0.04 0.00 0.40 0.01 0.45 24 Citizens First Bank The Villages 2,345,075 779,514 1.21 0.02 0.00 0.47 (0.02) 0.47 25 Flagler Bank West Palm Beach 321,834 240,658 0.83 0.42 0.00 0.07 0.01 0.50 26 Commerce National Bank & Trust Winter Park 113,761 85,182 2.27 0.00 0.00 0.51 0.00 0.51 27 International Finance Bank Miami 753,116 595,741 1.10 0.12 0.00 0.40 0.00 0.53 28 Executive National Bank Miami 466,844 383,905 1.29 0.00 0.00 0.49 0.04 0.53 29 Heartland National Bank Sebring 415,275 158,813 1.51 0.03 0.00 0.58 (0.04) 0.58 30 City National Bank of Florida Miami 15,248,282 10,753,516 0.40 0.12 0.00 0.53 0.02 0.67 31 Paradise Bank Boca Raton 318,786 222,654 0.70 0.00 0.00 0.27 0.40 0.67 32 Cogent Bank Orange City 243,024 179,669 1.57 0.15 0.00 0.74 (0.18) 0.70 33 Charlotte State Bank & Trust Port Charlotte 379,290 213,649 2.03 0.02 0.00 1.09 (0.39) 0.71 34 Home Federal Bank of Hollywood Hallandale Beach 57,450 41,385 0.91 0.21 0.00 0.52 0.00 0.73 35 Professional Bank Coral Gables 962,817 771,895 0.84 0.08 0.41 0.25 0.00 0.74 36 First Florida Bank Destin 438,164 246,404 1.37 0.43 0.00 0.27 0.06 0.76 37 Marquis Bank Coral Gables 676,790 565,269 0.94 0.38 0.00 0.32 0.08 0.78 38 Mainstreet Community Bank of Florida Deland 464,756 351,069 1.38 0.20 0.04 0.62 (0.03) 0.82 39 First National Bank of South Miami South Miami 804,376 554,633 1.40 0.35 0.00 0.50 (0.01) 0.84 40 U.S. Century Bank Doral 1,283,256 965,796 1.22 0.48 0.00 0.52 (0.12) 0.88 41 Grove Bank & Trust Miami 714,503 297,917 2.60 0.07 0.00 0.84 0.00 0.90 42 Intracoastal Bank Palm Coast 338,735 233,984 1.25 0.00 0.00 0.84 0.07 0.91 43 Apollo Bank Miami 746,768 545,783 1.03 0.08 0.00 0.88 0.00 0.96 44 BankUnited, National Association Miami Lakes 32,873,804 22,901,832 0.47 0.15 0.01 0.66 0.17 0.98 45 First Citrus Bank Tampa 416,037 321,680 0.78 0.21 0.11 0.66 0.04 1.02 46 CenterState Bank, National Association Winter Haven 17,409,097 12,041,520 0.35 0.53 0.09 0.36 0.06 1.04 47 Prime Meridian Bank Tallahassee 483,964 327,697 1.22 0.00 0.00 0.98 0.11 1.09 48 Terrabank, N.A. Miami 425,213 285,033 1.06 1.11 0.00 0.01 0.01 1.13 49 Central Bank Tampa 189,038 149,050 1.51 0.07 0.12 0.57 0.40 1.16 50 Pilot Bank Tampa 426,089 341,853 0.62 0.03 0.00 1.16 (0.01) 1.18
Source: S&P Global Market Intelligence 34 Florida – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Florida Capital Bank, N.A. Jacksonville 536,744 9,756 171 57 1,422 781 2.34 25.92 2 Brannen Bank Inverness 539,982 10,662 94 113 8,816 7,641 1.51 23.88 3 U.S. Century Bank Doral 1,283,256 34,262 177 194 28,531 6,540 2.84 23.23 4 Sanibel Captiva Community Bank Sanibel 460,165 6,909 96 72 6,668 4,698 1.59 22.06 5 Raymond James Bank, National Association Saint Petersburg 25,705,477 400,757 263 1,524 331,875 274,668 1.61 18.77 6 Charlotte State Bank & Trust Port Charlotte 379,290 8,551 77 111 8,478 6,385 1.75 18.26 7 Englewood Bank & Trust Englewood 303,523 6,710 46 146 6,545 4,918 1.69 18.10 8 Mainstreet Community Bank of Florida Deland 464,756 6,247 94 66 4,827 2,759 1.47 17.92 9 Freedom Bank Saint Petersburg 306,215 4,282 52 82 2,757 1,513 1.46 16.57 10 First Colony Bank of Florida Maitland 231,463 4,718 19 248 4,320 3,679 1.61 16.15 11 Intracoastal Bank Palm Coast 338,735 6,255 36 174 5,482 5,085 1.41 15.55 12 Bank of Central Florida Lakeland 511,886 6,822 69 99 5,148 4,333 1.31 15.38 13 Citizens First Bank The Villages 2,345,075 39,690 326 122 29,824 26,853 1.73 15.25 14 BAC Florida Bank Coral Gables 2,270,782 31,595 178 178 24,976 18,604 1.42 14.80 15 Paradise Bank Boca Raton 318,786 6,712 51 132 6,882 7,107 1.60 14.51 16 Heartland National Bank Sebring 415,275 5,324 60 89 3,993 2,757 1.36 14.40 17 Bank of Tampa Tampa 1,874,118 22,848 265 86 16,604 14,095 1.34 14.37 18 Sunstate Bank Miami 458,085 6,557 56 117 (108) 586 1.51 13.90 19 Flagler Bank West Palm Beach 321,834 5,257 35 150 5,098 4,884 1.27 13.62 20 Wauchula State Bank Wauchula 691,936 14,705 153 96 13,429 14,104 1.64 13.60 21 Marquis Bank Coral Gables 676,790 8,138 70 116 6,152 4,795 1.25 13.22 22 Community Bank of the South Merritt Island 154,204 2,029 20 101 725 797 1.30 13.18 23 Apollo Bank Miami 746,768 8,836 89 99 6,059 4,959 1.24 12.87 24 Drummond Community Bank Chiefland 632,828 8,543 202 42 7,031 6,951 1.43 12.65 25 First Florida Integrity Bank Naples 1,525,155 16,151 146 111 11,979 7,484 1.11 12.26 26 Hillsboro Bank Plant City 154,155 2,357 25 94 2,431 1,784 1.62 11.88 27 First State Bank of the Florida Keys Key West 968,130 12,585 192 66 12,225 12,214 0.99 11.75 28 FNBT Bank Fort Walton Beach 451,165 7,492 91 82 4,112 3,765 1.27 11.63 29 First Citrus Bank Tampa 416,037 4,345 71 61 3,649 2,423 1.10 11.59 30 Madison County Community Bank Madison 126,783 1,226 26 47 575 595 0.98 11.37 31 Citizens Bank and Trust Lake Wales 665,650 7,715 156 49 6,154 5,100 0.89 11.35 32 First National Bank Northwest Florida Panama City 182,303 2,679 32 84 1,471 908 1.19 11.23 33 First Federal Bank Lake City 2,204,932 25,483 814 31 26,007 13,867 1.31 11.06 34 United Southern Bank Umatilla 533,396 5,460 153 36 3,964 4,093 1.04 11.03 35 Lafayette State Bank Mayo 105,507 807 41 20 91 (1,207) 0.79 10.99 36 Prime Meridian Bank Tallahassee 483,964 4,258 90 47 3,894 3,030 0.98 10.98 37 First Florida Bank Destin 438,164 5,511 68 81 4,673 3,575 1.28 10.84 38 Community Bank and Trust of Florida Ocala 743,628 7,017 132 53 7,011 5,499 0.97 10.72 39 First Bank Clewiston 386,003 3,631 96 38 3,062 2,305 0.97 10.63 40 Edison National Bank Fort Myers 302,015 3,508 41 86 3,105 2,355 0.84 10.57 41 Seacoast National Bank Stuart 6,890,580 90,419 865 105 56,950 41,281 1.34 9.91 42 Seaside National Bank & Trust Orlando 1,857,243 14,898 157 95 14,101 11,609 0.79 9.65 43 BankUnited, National Association Miami Lakes 32,873,804 299,506 1,516 198 716,398 278,943 0.92 9.63 44 American National Bank Oakland Park 300,755 4,201 33 127 3,484 3,270 1.32 9.62 45 Bank of Belle Glade Belle Glade 99,327 887 16 55 635 406 0.86 9.61 46 Florida Business Bank Melbourne 146,874 1,784 17 105 2,594 1,047 1.32 9.60 47 Capital City Bank Tallahassee 2,911,804 33,124 813 41 21,732 15,086 1.13 9.58 48 TransCapital Bank Sunrise 208,456 4,709 18 262 4,884 4,406 1.73 9.54 49 FineMark National Bank & Trust Fort Myers 2,103,692 16,778 189 89 13,781 10,424 0.88 9.52 50 Surety Bank Deland 131,338 1,708 36 47 2,173 1,381 1.05 9.49
Source: S&P Global Market Intelligence 35 Florida – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Freedom Bank Saint Petersburg 306,215 17 19 53 21 9 23.8 2 Paradise Bank Boca Raton 318,786 2 15 75 31 15 27.6 3 Charlotte State Bank & Trust Port Charlotte 379,290 40 6 65 33 6 30.0 4 Citizens First Bank The Villages 2,345,075 88 28 3 24 13 31.2 5 Mainstreet Community Bank of Florida Deland 464,756 8 51 52 38 8 31.4 6 Englewood Bank & Trust Englewood 303,523 23 27 35 66 7 31.6 7 Hillsboro Bank Plant City 154,155 19 85 15 20 26 33.0 8 American National Bank Oakland Park 300,755 15 85 13 9 44 33.2 9 Heartland National Bank Sebring 415,275 66 53 10 29 16 34.8 10 Flagler Bank West Palm Beach 321,834 68 59 4 25 19 35.0 11 Drummond Community Bank Chiefland 632,828 7 16 74 55 24 35.2 11 Sanibel Captiva Community Bank Sanibel 460,165 4 48 48 72 4 35.2 13 Sunstate Bank Miami 458,085 56 13 22 70 18 35.8 14 Brannen Bank Inverness 539,982 38 48 23 69 2 36.0 15 CenterState Bank, National Association Winter Haven 17,409,097 14 20 44 46 57 36.2 16 Bank of Tampa Tampa 1,874,118 25 35 49 57 17 36.6 17 First Florida Integrity Bank Naples 1,525,155 60 79 19 5 25 37.6 18 First Colony Bank of Florida Maitland 231,463 18 93 16 53 10 38.0 18 Wauchula State Bank Wauchula 691,936 10 38 34 88 20 38.0 20 Seacoast National Bank Stuart 6,890,580 28 28 33 62 41 38.4 21 Bank of Central Florida Lakeland 511,886 66 92 12 11 12 38.6 22 Community Bank of the South Merritt Island 154,204 50 90 20 12 22 38.8 23 Intracoastal Bank Palm Coast 338,735 30 95 17 42 11 39.0 24 Raymond James Bank, National Association Saint Petersburg 25,705,477 74 98 1 19 5 39.4 24 Community Bank and Trust of Florida Ocala 743,628 79 32 38 10 38 39.4 26 First Florida Bank Destin 438,164 54 26 46 36 37 39.8 27 U.S. Century Bank Doral 1,283,256 73 45 39 40 3 40.0 28 Florida Business Bank Melbourne 146,874 32 97 25 1 46 40.2 29 FineMark National Bank & Trust Fort Myers 2,103,692 96 17 28 13 49 40.6 30 First Federal Bank Lake City 2,204,932 13 4 91 65 33 41.2 31 First Bank Clewiston 386,003 22 31 59 56 39 41.4 31 First Citrus Bank Tampa 416,037 30 61 42 45 29 41.4 33 Apollo Bank Miami 746,768 56 64 24 43 23 42.0 34 Marquis Bank Coral Gables 676,790 53 88 14 37 21 42.6 35 First National Bank Northwest Florida Panama City 182,303 79 79 9 17 32 43.2 35 Citizens Bank and Trust Lake Wales 665,650 46 21 67 51 31 43.2 37 Commerce National Bank & Trust Winter Park 113,761 44 11 76 26 61 43.6 37 BAC Florida Bank Coral Gables 2,270,782 82 41 7 74 14 43.6 39 TransCapital Bank Sunrise 208,456 28 79 5 59 48 43.8 40 Sunrise Bank Cocoa Beach 233,502 21 83 50 15 51 44.0 40 Edison National Bank Fort Myers 302,015 71 75 31 3 40 44.0 42 Prime Meridian Bank Tallahassee 483,964 46 64 30 47 36 44.6 43 Anchor Bank Juno Beach 143,227 75 10 69 16 55 45.0 44 Sabal Palm Bank Sarasota 237,976 35 68 58 2 65 45.6 45 Florida Capital Bank, N.A. Jacksonville 536,744 72 2 97 58 1 46.0 45 First Bank of the Palm Beaches West Palm Beach 189,126 19 77 54 14 66 46.0 47 Capital City Bank Tallahassee 2,911,804 38 7 80 67 47 47.8 48 Seaside National Bank & Trust Orlando 1,857,243 93 42 11 52 42 48.0 49 Lafayette State Bank Mayo 105,507 6 9 95 96 35 48.2 49 Legacy Bank of Florida Boca Raton 457,834 75 85 21 8 52 48.2
Source: S&P Global Market Intelligence 36 Rank The Banks Georgia – 2019 Q3 Georgia – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) AB&T Albany Community Capital Bancshares, Inc. 4/28/1999 3 36 No 191,573 1.05 10.68 Affinity Bank Atlanta ABB Financial Group, Inc. 9/3/2002 1 29 No 328,102 0.84 8.05 Altamaha Bank and Trust Company Vidalia Altamaha Bancshares, Inc. 7/1/1946 4 54 Yes 170,353 0.91 7.77 American Commerce Bank, National Association Bremen American Commerce Bancshares, Inc. 10/4/2004 3 44 No 339,352 1.39 12.78 American Pride Bank Macon American Bancorp, Inc. 12/12/2007 4 37 Yes 195,110 1.24 8.56 Ameris Bank Atlanta Ameris Bancorp 10/1/1971 179 2,906 No 17,675,175 1.29 9.45 Atlantic Capital Bank, National Association Atlanta Atlantic Capital Bancshares, Inc. 1/1/1999 2 197 No 2,411,147 2.06 15.28 Bank of Alapaha Alapaha Alapaha Holding Company 3/25/1905 4 44 No 176,895 0.90 8.10 Bank of Camilla Camilla Camilla Bancshares, Inc. 1/2/1890 2 29 No 104,478 1.08 6.93 Bank of Dade Trenton Tri-States Bankshares, Inc. 1/12/1956 3 34 Yes 108,290 1.47 14.29 Bank of Dawson Dawson Dawson Bancshares, Inc. 7/1/1911 1 25 Yes 123,773 1.31 7.01 Bank of Dudley Dublin Hogan Investments, LP 11/1/1905 5 62 No 217,633 1.31 10.65 Bank of Eastman Eastman Magnolia Bankshares, Inc. 10/14/1909 4 53 Yes 163,867 0.53 5.02 Bank of Edison Edison BOE Bancshares, Inc. 10/1/1904 1 15 Yes 50,100 0.70 7.85 Bank of Hancock County Sparta 9/1/1904 1 21 No 73,183 1.00 4.84 Bank of Hazlehurst Hazlehurst Hazlehurst Investors, Inc. 1/1/1906 2 29 Yes 118,774 0.53 4.07 Bank of LaFayette, Georgia Lafayette LaFayette Bankshares, Inc. 7/18/1899 3 57 No 258,165 0.79 6.65 Bank of Lumber City Lumber City 7/2/1945 2 12 No 23,508 0.62 4.11 Bank of Madison Madison Madison Bank Corp. 1/1/1890 4 57 No 224,213 1.08 8.09 Bank of Monticello Monticello Monticello Bancshares, Inc. 1/1/1909 2 23 Yes 109,075 1.23 11.87 Bank of Newington Newington 8/14/1919 3 34 No 145,497 1.02 11.69 Bank of Soperton Soperton Soperton Bancshares, Incorporated 6/1/1903 2 25 Yes 91,697 1.25 13.69 Bank of Wrightsville Wrightsville Wrightsville Bancshares, Inc. 2/16/1897 1 14 Yes 57,194 1.00 11.30 BankSouth Greensboro BankSouth Holding Company 4/1/1946 6 293 Yes 715,556 1.28 13.48 Barwick Banking Company Barwick 1/1/1934 1 3 No 12,075 (0.13) (1.68) Cadence Bank, N.A. Atlanta Cadence Bancorporation 5/1/1887 104 1,821 No 17,849,295 1.26 9.39 Carver State Bank Savannah Carver Financial Corporation 2/23/1927 2 17 No 41,252 (0.25) (2.34) Century Bank and Trust Milledgeville Century Bancorp, Inc. 3/1/1898 2 50 No 257,499 1.45 14.72 Century Bank of Georgia Cartersville CBB Bancorp 6/29/2000 3 35 No 198,540 1.44 13.02 Citizens Bank Nashville Nashville Holding Company 11/5/1941 4 68 Yes 245,920 0.69 4.95 Citizens Bank & Trust Company Eastman Citizens Corporation 1/1/1934 4 48 Yes 155,513 0.71 6.80 Citizens Bank & Trust, Inc. Trenton TAG Bancshares, Inc. 1/18/1988 3 42 No 106,019 1.33 11.59 Citizens Bank of Americus Americus CBA Bankshares, Inc. 3/25/1937 3 50 No 330,763 1.44 15.54 Citizens Bank of Cochran Cochran Putnam-Greene Financial Corporation 7/1/1942 2 23 No 105,240 0.53 4.95 Citizens Bank of Georgia Cumming Forsyth Bancshares, Inc. 2/3/1997 4 54 No 329,438 1.37 13.47 Citizens Bank of Swainsboro Swainsboro Swainsboro Bankshares, Inc. 11/1/1900 3 61 No 214,210 1.33 12.79 Citizens Bank of The South Sandersville 5/3/1965 4 62 No 253,213 1.03 8.98 Citizens Community Bank Hahira CCB Bancshares, Inc. 2/21/1927 4 37 Yes 136,386 0.83 6.81 Citizens National Bank of Quitman Quitman 8/25/1934 1 21 No 99,026 1.17 8.96 Citizens Trust Bank Atlanta Citizens Bancshares Corporation 8/16/1921 7 93 No 415,079 1.07 9.94 Claxton Bank Claxton Southern Bankshares, Inc. 2/24/1941 3 34 Yes 117,804 0.82 7.97 Colony Bank Fitzgerald Colony Bankcorp, Inc. 4/15/1976 29 352 No 1,473,499 0.94 9.47 Commercial Bank Crawford TCB Bancshares, Inc. 9/5/1924 4 39 Yes 217,581 1.85 16.97 Commercial Banking Company Valdosta Lowndes Bancshares, Inc. 4/22/1929 5 62 No 229,155 1.20 8.18 Commercial State Bank Donalsonville Georgia Community Bancorp, Incorporated 12/16/1938 2 20 Yes 90,435 0.75 4.46 Community Bank & Trust - West Georgia LaGrange Community Bankshares, Inc. 12/15/1984 4 34 No 76,358 (0.97) (28.10) Community Bank of Georgia Baxley Community Bank of Georgia, Inc. 5/11/2004 1 19 No 126,788 1.52 13.09 Community Bank of Pickens County Jasper Community Banks of Georgia, Inc. 10/2/2000 2 58 No 361,143 1.57 13.90 Community Banking Company of Fitzgerald Fitzgerald CBC Holding Company 4/19/1996 2 33 No 160,075 1.49 11.81 Cornerstone Bank Atlanta Cornerstone Bancshares, Inc. 2/20/2001 3 41 No 192,840 (0.57) (5.99)
Source: S&P Global Market Intelligence 38 Georgia – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Douglas National Bank Douglas DNB Financial Services, Inc. 11/19/2001 1 29 Yes 178,728 2.27 18.43 Durden Banking Company, Incorporated Twin City Durden Bankshares, Inc. 7/5/1935 4 47 Yes 178,944 1.61 10.33 Elberton Federal Savings & Loan Association Elberton 1/1/1922 1 4 No 24,095 0.00 (0.02) Embassy National Bank Lawrenceville Embassy Bancshares, Inc. 3/5/2007 1 30 No 104,336 2.77 16.94 Exchange Bank Milledgeville Exchange Bankshares, Inc. 6/3/1903 5 79 No 256,330 1.22 9.13 F & M Bank and Trust Company Manchester F & M Holding Company, Inc. 2/2/1948 1 24 No 67,987 0.01 0.15 F&M Bank Washington Washington/Wilkes Holding Company 3/14/1950 6 62 No 267,222 0.97 5.77 Family Bank Pelham 1/1/1931 3 33 No 100,238 0.82 6.72 Farmers & Merchants Bank Eatonton Putnam-Greene Financial Corporation 10/26/1922 2 49 No 181,367 0.94 7.06 Farmers & Merchants Bank Lakeland FMB Bancshares, Inc. 5/22/1907 6 117 No 490,892 0.06 1.00 Farmers and Merchants Bank Sylvania Screven Bancshares, Inc. 3/1/1946 3 26 No 114,486 1.11 7.11 Farmers Bank Greensboro Putnam-Greene Financial Corporation 9/6/1911 1 18 No 95,279 0.45 3.22 Farmers State Bank Dublin Farmers Bancshares, Inc. 1/1/1934 3 33 Yes 124,870 1.03 7.12 Farmers State Bank Lincolnton Lincoln Bancshares, Inc. 9/26/1911 3 38 Yes 127,294 1.43 8.32 First American Bank and Trust Company Athens First American Bancorp 12/31/1928 6 100 No 554,611 1.34 12.50 First Bank Dalton FBD Holding Company, Inc. 1/8/1996 6 76 No 399,563 1.47 16.96 First Bank of Coastal Georgia Pembroke Putnam-Greene Financial Corporation 1/1/1907 2 31 No 113,236 0.60 4.40 First Bank of Pike Molena 1/1/1899 3 23 No 54,599 0.28 3.33 First Century Bank, National Association Gainesville First Century Bancorp. 3/25/2002 1 7 No 157,124 2.22 20.77 First Chatham Bank Savannah FCB Financial Corp. 1/23/2002 7 86 No 377,121 1.05 10.48 First Covenant Bank Commerce 9/18/2006 1 59 No 112,422 1.06 7.24 First Federal Savings and Loan Association of Valdosta Valdosta 9/1/1934 4 46 No 188,202 0.26 1.64 First IC Bank Doraville First IC Corporation 1/31/2000 9 109 No 702,494 1.83 14.41 First National Bank of Coffee County Douglas FNC Bancorp, Inc. 9/23/1991 3 42 Yes 206,068 1.01 11.22 First National Bank of Decatur County Bainbridge Bainbridge Bancshares, Inc. 4/5/2004 3 34 No 171,780 0.83 9.13 First National Bank of Griffin Griffin 5/12/1933 7 87 No 282,714 0.69 9.60 First National Bank of Waynesboro Waynesboro First Burke Banking Company 9/1/1905 3 35 No 135,628 1.69 9.66 First National Community Bank Chatsworth First Chatsworth Bankshares, Inc. 8/18/1975 7 77 No 288,216 0.90 7.18 First Peoples Bank Pine Mountain First Peoples Bankshares, Inc. 7/9/1990 3 40 No 151,642 1.31 11.78 First Port City Bank Bainbridge Port City Holding Company, Inc. 10/7/1974 4 54 No 215,964 0.97 10.59 First Southern Bank Patterson 6/19/1907 5 52 No 123,517 (0.75) (6.35) First State Bank Wrens CSRA Bank Corp. 7/6/1964 4 34 No 155,149 1.42 17.24 First State Bank of Blakely Blakely First State Bancshares of Blakely, Inc. 1/1/1903 7 99 No 520,689 1.38 9.57 First State Bank of Randolph County Cuthbert 10/3/1900 2 20 Yes 77,367 0.40 4.60 Flint Community Bank Albany Flint Community Bancshares, Inc. 2/3/2006 1 40 Yes 261,527 0.95 10.94 FNB South Alma First Bank Shares of the South East, Inc. 5/1/1951 4 82 No 386,701 2.32 14.39 Four County Bank Allentown Four County Bancshares, Inc. 9/15/1941 1 13 Yes 70,910 1.46 10.37 Geo. D. Warthen Bank Sandersville 1/1/1871 1 36 No 177,612 0.67 7.51 Georgia Banking Company Sandy Springs Georgia Banking Company, Inc. 11/1/2001 2 97 No 575,241 0.74 7.69 Georgia Community Bank Dawson Georgia Community Bancorp, Incorporated 5/1/1936 5 35 Yes 173,361 0.29 2.87 Georgia Primary Bank Atlanta 10/22/2007 1 32 No 219,749 1.07 8.97 Glennville Bank Glennville GB Bank Group, Inc. 3/13/1905 7 68 No 255,779 1.30 10.74 Greater Community Bank Rome Greater Community Bancshares, Inc. 2/26/1996 3 41 Yes 220,742 1.04 10.34 Guardian Bank Valdosta WB&T Bankshares, Inc. 5/1/2001 5 59 Yes 418,908 1.08 11.01 Gwinnett Community Bank Duluth Community Financial Holding Company, Inc. 10/18/1999 3 35 No 223,173 0.69 17.25 Heritage First Bank Rome Heritage First Bancshares, Inc. 1/1/1904 3 42 Yes 145,398 0.73 6.75 Heritage Southeast Bank Jonesboro Heritage Southeast Bancorporation, Inc. 1/1/1955 23 307 No 1,287,116 0.20 1.92 Legacy State Bank Loganville 3/15/2005 1 16 No 110,746 1.13 11.15 Liberty First Bank Monroe 6/13/2006 1 22 Yes 133,840 0.86 7.88 Merchants & Citizens Bank McRae 2/23/1929 1 19 No 103,389 0.74 4.43
Source: S&P Global Market Intelligence 39 Georgia – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Metro City Bank Doraville MetroCity Bankshares, Inc. 4/4/2006 19 202 No 1,647,688 2.91 25.23 Morris Bank Dublin Morris State Bancshares, Inc. 11/29/1954 9 176 No 958,525 1.83 16.61 Mount Vernon Bank Mount Vernon Heart of Georgia Bancshares, Inc. 1/24/1901 3 31 Yes 131,079 1.08 9.82 Newton Federal Bank (MHC) Covington Community First Bancshares, MHC 11/14/1928 2 85 No 310,310 0.21 1.07 North Georgia National Bank Calhoun North Georgia Community Financial Partners, Inc. 2/10/1999 3 33 No 122,755 0.39 3.40 Northeast Georgia Bank Lavonia First Security Bankshares, Inc. 1/1/1906 11 96 Yes 460,377 1.36 12.83 Oconee State Bank Watkinsville Oconee Financial Corporation 2/1/1960 4 94 No 355,856 0.72 7.87 One South Bank Blakely One South Financial, Inc. 1/9/1939 3 29 Yes 143,440 0.56 5.69 Peach State Bank & Trust Gainesville Peach State Bancshares, Inc. 4/27/2005 1 54 No 263,348 0.99 9.81 Peoples Bank Willacoochee Atkinson County Bankshares Corporation 9/24/1948 2 25 Yes 74,178 0.88 6.83 Peoples Bank Eatonton Peoples Bankshares, Inc. 7/15/1943 3 43 Yes 130,029 0.35 5.81 Peoples Bank Lyons South Georgia Bankshares Corporation 1/1/1935 2 27 No 103,089 1.29 13.70 Peoples Bank & Trust Buford Peoples Banktrust, Inc. 12/13/1984 1 53 No 334,038 0.99 9.92 Peoples Bank of Georgia Talbotton 1/1/1891 3 27 No 81,950 0.91 8.71 PeoplesSouth Bank Colquitt PeoplesSouth Bancshares, Inc. 10/19/1973 27 180 No 816,059 1.46 16.71 Persons Banking Company Forsyth Persons Banking Company, Inc. 1/1/1910 5 90 Yes 316,694 0.27 4.11 Piedmont Bank Peachtree Corners Piedmont Bancorp, Inc. 11/6/2006 10 125 No 1,028,552 1.55 13.99 Pineland Bank Alma South Banking Company 9/13/1939 8 105 No 288,069 0.83 7.48 Pinnacle Bank Elberton Pinnacle Financial Corporation 3/12/1934 17 221 No 960,336 1.26 11.09 Planters and Citizens Bank Camilla P & C Bank Shares, Inc. 5/24/1913 1 19 No 99,800 0.70 6.32 Planters First Bank Hawkinsville Planters First Bancorp 1/1/1896 9 89 Yes 303,848 1.06 11.00 PrimeSouth Bank Waycross Jones Bancshares, L.P. 1/1/1891 7 134 No 669,272 1.47 12.69 PromiseOne Bank Duluth PromiseOne Bancorp, Inc. 11/6/2008 7 95 Yes 435,524 2.21 16.90 Quantum National Bank Suwanee Quantum Capital Corp. 12/27/1995 3 58 Yes 510,596 2.28 20.03 Queensborough National Bank & Trust Company Louisville Queensborough Company 1/1/1902 24 323 No 1,209,215 1.23 12.61 Rabun County Bank Clayton Liberty Bancorp of Georgia, Inc. 10/10/1975 3 48 No 183,510 2.30 17.24 River City Bank Rome RCB Financial Corporation 5/23/2006 1 36 No 162,451 1.20 10.71 Rochelle State Bank Rochelle 8/1/1947 1 5 No 27,241 (0.63) (3.51) Security State Bank McRae Farmers Bancshares, Inc. 2/1/1950 1 12 Yes 46,660 1.27 8.54 Signature Bank of Georgia Sandy Springs 11/7/2005 2 26 No 144,790 (0.58) (4.11) South Coast Bank & Trust Brunswick WB&T Bankshares, Inc. 1/1/1934 2 24 Yes 137,577 1.19 11.60 South Georgia Bank Glennville South Group Bancshares, Inc. 4/9/1987 4 43 Yes 157,688 1.80 14.67 South Georgia Banking Company Tifton South Georgia Bank Holding Company 6/14/1937 7 115 No 443,092 1.22 8.72 SouthCrest Bank, N.A. Atlanta SouthCrest Financial Group, Inc. 1/1/1920 9 103 No 522,056 0.93 9.34 Southeast First National Bank Summerville Summerville/Trion Bancshares, Inc. 5/22/1968 3 17 No 59,948 0.12 1.02 Southeastern Bank Darien Southeastern Banking Corporation 1/1/1889 12 110 No 421,084 1.72 13.64 Southern Bank Sardis Sardis Bankshares, Inc. 7/2/1945 5 27 No 78,869 0.61 5.07 Southern Bank & Trust Clarkesville SBT Bancorp, Inc. 12/6/2005 3 43 No 224,546 1.21 13.42 Southwest Georgia Bank Moultrie Southwest Georgia Financial Corporation 1/3/1928 8 112 No 545,938 0.96 12.04 State Bank of Cochran Cochran Central Georgia Banking Company 1/5/1922 4 56 Yes 207,936 1.80 10.94 SunMark Community Bank Hawkinsville SunMark Bancshares, Inc. 8/27/1949 6 93 Yes 267,684 1.01 9.19 SunTrust Bank Atlanta SunTrust Banks, Inc. 9/21/1891 1,161 21,241 No 221,424,201 1.23 10.41 Synovus Bank Columbus Synovus Financial Corp. 1/1/1888 296 5,015 No 47,572,438 1.27 12.19 Talbot State Bank Woodland TSB Bancorp, Inc. 11/25/1907 2 15 Yes 59,968 0.73 6.80 TC Federal Bank Thomasville 1/1/1934 2 43 No 310,685 0.30 2.29 Thomasville National Bank Thomasville Thomasville Bancshares, Inc. 10/2/1995 3 117 No 953,903 1.91 20.77 Touchmark National Bank Alpharetta Touchmark Bancshares, Inc. 1/28/2008 1 27 No 407,669 1.40 11.80 Trust Bank Lenox Trust Holding Company, Inc. 1/1/1906 3 23 Yes 38,414 0.26 2.45 United Bank Zebulon United Bank Corporation 1/31/1905 18 400 Yes 1,459,036 1.82 17.82 United Community Bank Blairsville United Community Banks, Inc. 3/1/1950 143 2,314 No 12,785,175 1.49 11.52
Source: S&P Global Market Intelligence 40 Georgia – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) United National Bank Cairo 5/26/2000 1 31 No 224,189 1.44 10.31 Vidalia Federal Savings Bank Vidalia 9/1/1936 2 30 No 201,567 0.22 1.42 Vinings Bank Smyrna Vinings Bancshares, Inc. 7/9/2007 2 41 No 375,739 0.87 9.97 Waycross Bank & Trust Waycross WB&T Bankshares, Inc. 6/1/1988 1 20 Yes 179,346 1.44 13.57 West Central Georgia Bank Thomaston WCG Bancshares, Inc. 4/15/1974 3 32 No 119,820 1.33 5.36 WestSide Bank Hiram 8/8/2006 2 27 No 138,106 0.74 8.04 Wheeler County State Bank Alamo Wheeler Bancshares, Inc. 6/29/1934 3 24 Yes 92,266 0.89 5.16 Wilcox County State Bank Abbeville WCSB Holding Company, Inc. 7/15/1952 4 32 No 110,995 1.17 11.06 Wilkinson County Bank Irwinton 7/16/1907 1 10 No 46,883 1.28 7.94
Source: S&P Global Market Intelligence 41 Georgia – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 SunTrust Bank Atlanta 21,241 1,161 169,246,694 145,777 190,719 7,968 10,424 221,424,201 2 Synovus Bank Columbus 5,015 296 37,870,313 127,940 160,718 7,551 9,486 47,572,438 3 Cadence Bank, N.A. Atlanta 1,821 104 14,867,327 142,955 171,628 8,164 9,802 17,849,295 4 Ameris Bank Atlanta 2,906 179 13,691,809 76,491 98,744 4,712 6,082 17,675,175 5 United Community Bank Blairsville 2,314 143 10,806,315 75,569 89,407 4,670 5,525 12,785,175 6 Atlantic Capital Bank, National Association Atlanta 197 2 1,862,865 931,433 1,205,574 9,456 12,239 2,411,147 7 Metro City Bank Doraville 202 19 1,359,363 71,545 86,720 6,730 8,157 1,647,688 8 Colony Bank Fitzgerald 352 29 1,253,204 43,214 50,810 3,560 4,186 1,473,499 9 United Bank Zebulon 400 18 1,294,854 71,936 81,058 3,237 3,648 1,459,036 10 Heritage Southeast Bank Jonesboro 307 23 1,108,453 48,194 55,962 3,611 4,193 1,287,116 11 Queensborough National Bank & Trust Company Louisville 323 24 1,072,425 44,684 50,384 3,320 3,744 1,209,215 12 Piedmont Bank Peachtree Corners 125 10 885,385 88,539 102,855 7,083 8,228 1,028,552 13 Pinnacle Bank Elberton 221 17 838,031 49,296 56,490 3,792 4,345 960,336 14 Morris Bank Dublin 176 9 835,576 92,842 106,503 4,748 5,446 958,525 15 Thomasville National Bank Thomasville 117 3 827,436 275,812 317,968 7,072 8,153 953,903 16 PeoplesSouth Bank Colquitt 180 27 735,625 27,245 30,224 4,087 4,534 816,059 17 BankSouth Greensboro 293 6 602,765 100,461 119,259 2,057 2,442 715,556 18 First IC Bank Doraville 109 9 620,755 68,973 78,055 5,695 6,445 702,494 19 PrimeSouth Bank Waycross 134 7 589,019 84,146 95,610 4,396 4,995 669,272 20 Georgia Banking Company Sandy Springs 97 2 468,796 234,398 287,621 4,833 5,930 575,241 21 First American Bank and Trust Company Athens 100 6 468,794 78,132 92,435 4,688 5,546 554,611 22 Southwest Georgia Bank Moultrie 112 8 466,789 58,349 68,242 4,168 4,874 545,938 23 SouthCrest Bank, N.A. Atlanta 103 9 431,568 47,952 58,006 4,190 5,069 522,056 24 First State Bank of Blakely Blakely 99 7 409,319 58,474 74,384 4,135 5,259 520,689 25 Quantum National Bank Suwanee 58 3 444,247 148,082 170,199 7,659 8,803 510,596 26 Farmers & Merchants Bank Lakeland 117 6 439,157 73,193 81,815 3,753 4,196 490,892 27 Northeast Georgia Bank Lavonia 96 11 402,769 36,615 41,852 4,196 4,796 460,377 28 South Georgia Banking Company Tifton 115 7 375,672 53,667 63,299 3,267 3,853 443,092 29 PromiseOne Bank Duluth 95 7 364,180 52,026 62,218 3,833 4,584 435,524 30 Southeastern Bank Darien 110 12 362,813 30,234 35,090 3,298 3,828 421,084 31 Guardian Bank Valdosta 59 5 372,581 74,516 83,782 6,315 7,100 418,908 32 Citizens Trust Bank Atlanta 93 7 351,035 50,148 59,297 3,775 4,463 415,079 33 Touchmark National Bank Alpharetta 27 1 337,934 337,934 407,669 12,516 15,099 407,669 34 First Bank Dalton 76 6 360,639 60,107 66,594 4,745 5,257 399,563 35 FNB South Alma 82 4 318,686 79,672 96,675 3,886 4,716 386,701 36 First Chatham Bank Savannah 86 7 337,967 48,281 53,874 3,930 4,385 377,121 37 Vinings Bank Smyrna 41 2 325,688 162,844 187,870 7,944 9,164 375,739 38 Community Bank of Pickens County Jasper 58 2 312,955 156,478 180,572 5,396 6,227 361,143 39 Oconee State Bank Watkinsville 94 4 320,764 80,191 88,964 3,412 3,786 355,856 40 American Commerce Bank, National Association Bremen 44 3 279,948 93,316 113,117 6,362 7,713 339,352 41 Peoples Bank & Trust Buford 53 1 296,766 296,766 334,038 5,599 6,303 334,038 42 Citizens Bank of Americus Americus 50 3 289,622 96,541 110,254 5,792 6,615 330,763 43 Citizens Bank of Georgia Cumming 54 4 292,255 73,064 82,360 5,412 6,101 329,438 44 Affinity Bank Atlanta 29 1 251,426 251,426 328,102 8,670 11,314 328,102 45 Persons Banking Company Forsyth 90 5 293,510 58,702 63,339 3,261 3,519 316,694 46 TC Federal Bank Thomasville 43 2 263,409 131,705 155,343 6,126 7,225 310,685 47 Newton Federal Bank (MHC) Covington 85 2 241,627 120,814 155,155 2,843 3,651 310,310 48 Planters First Bank Hawkinsville 89 9 268,850 29,872 33,761 3,021 3,414 303,848 49 First National Community Bank Chatsworth 77 7 251,844 35,978 41,174 3,271 3,743 288,216 50 Pineland Bank Alma 105 8 253,573 31,697 36,009 2,415 2,744 288,069
Source: S&P Global Market Intelligence 42 Georgia – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Trust Bank Lenox 38,414 9.01 (4.20) 0.80 4.69 68.50 2.79 6.21 2 Farmers State Bank Lincolnton 127,294 7.59 8.35 0.39 5.82 74.43 3.43 5.67 3 Peoples Bank of Georgia Talbotton 81,950 7.48 3.93 0.96 (2.59) 84.22 2.71 5.47 4 Bank of Soperton Soperton 91,697 7.07 16.50 0.96 16.18 89.17 2.60 5.40 5 FNB South Alma 386,701 7.15 7.26 0.91 3.98 92.48 2.00 5.39 6 First Bank of Pike Molena 54,599 7.88 19.08 0.56 16.32 69.77 2.37 5.35 7 Embassy National Bank Lawrenceville 104,336 8.02 11.95 1.55 (4.93) 96.78 2.65 5.33 8 Heritage First Bank Rome 145,398 6.32 9.10 0.60 9.66 91.98 2.31 5.25 8 First State Bank Wrens 155,149 7.24 13.27 1.14 9.71 87.94 2.64 5.25 10 Bank of Lumber City Lumber City 23,508 7.92 1.45 0.52 (8.77) 70.72 2.78 5.24 11 Quantum National Bank Suwanee 510,596 6.50 8.39 0.76 7.56 98.53 2.43 5.23 12 Community Bank of Georgia Baxley 126,788 6.84 46.90 1.31 41.03 96.67 1.36 5.20 13 Carver State Bank Savannah 41,252 7.45 (2.68) 0.79 4.68 74.54 2.36 5.14 14 First Peoples Bank Pine Mountain 151,642 7.04 32.88 0.21 17.85 72.12 2.69 5.13 15 First National Bank of Coffee County Douglas 206,068 5.83 27.28 0.47 1.33 80.93 1.74 5.12 16 Bank of Newington Newington 145,497 7.24 8.96 1.71 10.59 95.43 1.91 5.11 17 Douglas National Bank Douglas 178,728 6.26 0.15 0.83 (0.45) 97.13 2.56 5.08 18 Bank of Eastman Eastman 163,867 6.37 (7.87) 0.57 (9.10) 81.43 2.49 5.07 18 Community Bank & Trust - West Georgia LaGrange 76,358 6.96 (3.38) 0.24 (9.85) 58.64 3.12 5.07 20 Peoples Bank Lyons 103,089 6.16 7.00 0.59 12.34 85.60 1.52 5.03 20 Pineland Bank Alma 288,069 6.60 10.39 0.56 4.56 82.24 2.01 5.03 22 Commercial Bank Crawford 217,581 6.48 11.11 0.83 32.53 83.51 2.87 4.99 22 WestSide Bank Hiram 138,106 6.45 5.76 0.33 7.41 66.82 3.93 4.99 24 Family Bank Pelham 100,238 6.23 9.06 0.76 4.23 97.53 2.11 4.98 25 Durden Banking Company, Incorporated Twin City 178,944 6.94 3.45 0.39 (0.41) 76.59 2.25 4.97 26 South Georgia Bank Glennville 157,688 7.32 5.56 0.87 0.52 76.46 3.07 4.90 27 First National Bank of Waynesboro Waynesboro 135,628 6.45 7.73 0.38 (0.21) 84.32 4.38 4.81 28 First Southern Bank Patterson 123,517 6.37 23.27 0.39 3.43 79.17 2.59 4.78 28 Citizens Bank & Trust, Inc. Trenton 106,019 6.52 3.19 0.62 7.34 68.75 3.15 4.78 30 United National Bank Cairo 224,189 6.11 1.85 1.18 1.95 118.21 2.85 4.75 31 Bank of Dudley Dublin 217,633 5.93 (0.69) 0.31 (1.15) 82.93 2.19 4.73 32 Citizens Bank of The South Sandersville 253,213 6.39 7.43 0.78 1.09 83.59 1.77 4.72 33 Claxton Bank Claxton 117,804 6.51 (2.88) 0.54 (4.98) 73.19 2.68 4.70 33 State Bank of Cochran Cochran 207,936 6.70 (8.70) 0.46 (2.15) 76.30 2.25 4.70 35 Morris Bank Dublin 958,525 6.29 19.51 0.93 32.42 85.64 3.43 4.69 36 SunMark Community Bank Hawkinsville 267,684 6.12 0.88 0.52 1.47 84.89 2.44 4.68 37 Altamaha Bank and Trust Company Vidalia 170,353 6.46 8.30 0.62 6.45 77.02 2.28 4.67 38 Geo. D. Warthen Bank Sandersville 177,612 5.83 (5.70) 0.11 (2.46) 70.73 2.49 4.66 39 Greater Community Bank Rome 220,742 6.31 12.84 1.11 21.92 90.57 2.65 4.65 39 Security State Bank McRae 46,660 7.59 (14.25) 0.28 0.26 51.01 2.75 4.65 41 Wilcox County State Bank Abbeville 110,995 6.51 1.00 0.97 1.49 93.62 1.97 4.63 42 Citizens Bank of Swainsboro Swainsboro 214,210 6.20 5.37 0.77 3.23 86.17 2.81 4.62 42 Citizens Bank & Trust Company Eastman 155,513 6.21 35.49 0.50 18.26 77.77 3.08 4.62 44 F & M Bank and Trust Company Manchester 67,987 6.20 (2.83) 0.84 (3.03) 74.65 2.36 4.61 44 Bank of Dawson Dawson 123,773 6.60 2.31 1.01 4.69 97.37 2.58 4.61 46 Pinnacle Bank Elberton 960,336 5.60 4.19 0.26 11.11 83.25 2.94 4.59 46 Southern Bank & Trust Clarkesville 224,546 6.16 15.96 1.11 22.06 88.62 2.78 4.59 48 PrimeSouth Bank Waycross 669,272 6.06 20.75 0.91 21.42 89.90 2.80 4.58 49 Peach State Bank & Trust Gainesville 263,348 5.80 13.47 0.58 12.63 85.75 2.25 4.56 49 Southern Bank Sardis 78,869 7.06 (7.63) 0.78 (0.88) 63.85 2.79 4.56 49 One South Bank Blakely 143,440 6.19 (0.74) 0.96 9.10 89.96 2.75 4.56
Source: S&P Global Market Intelligence 43 Georgia – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 BankSouth Greensboro 715,556 10,966 0.16 4.65 0.05 0.00 43,669 6.79 2 First Century Bank, National Association Gainesville 157,124 3,407 0.00 0.00 0.00 (0.01) 4,384 2.86 3 Metro City Bank Doraville 1,647,688 43,785 0.07 0.87 0.92 0.00 39,634 2.63 4 Waycross Bank & Trust Waycross 179,346 3,182 0.10 0.00 0.00 0.02 4,168 2.51 5 Embassy National Bank Lawrenceville 104,336 2,971 0.17 1.85 0.50 (0.12) 2,609 2.43 6 PromiseOne Bank Duluth 435,524 11,821 0.18 1.22 0.54 0.00 8,332 2.07 7 Planters First Bank Hawkinsville 303,848 4,528 0.65 0.44 0.00 0.00 6,094 1.90 8 Georgia Banking Company Sandy Springs 575,241 3,145 0.04 1.06 0.00 0.00 7,113 1.68 8 United Bank Zebulon 1,459,036 34,217 0.63 0.08 0.10 0.00 23,578 1.68 10 First IC Bank Doraville 702,494 10,538 0.22 0.84 0.42 0.00 9,388 1.63 11 First Chatham Bank Savannah 377,121 3,858 0.30 1.12 -0.01 (0.38) 5,945 1.61 12 First Covenant Bank Commerce 112,422 1,419 0.07 0.00 0.00 (2.08) 2,102 1.57 13 Thomasville National Bank Thomasville 953,903 17,938 0.06 0.00 0.00 0.00 13,317 1.42 14 SunTrust Bank Atlanta 221,424,201 2,623,457 0.28 (0.02) 0.08 0.00 2,990,704 1.40 15 Douglas National Bank Douglas 178,728 5,511 0.44 0.00 0.00 0.00 2,528 1.38 16 Queensborough National Bank & Trust Company Louisville 1,209,215 14,316 0.68 0.00 0.00 0.00 15,763 1.35 17 Pinnacle Bank Elberton 960,336 11,927 0.97 0.00 0.00 (0.01) 12,279 1.30 18 Ameris Bank Atlanta 17,675,175 165,215 0.27 0.73 0.05 0.00 161,816 1.26 19 Bank of Lumber City Lumber City 23,508 151 0.75 0.00 0.00 0.05 304 1.25 19 Citizens Trust Bank Atlanta 415,079 4,387 0.87 0.00 0.00 0.01 5,137 1.25 19 SunMark Community Bank Hawkinsville 267,684 3,650 0.29 0.00 0.00 (0.03) 3,404 1.25 22 F & M Bank and Trust Company Manchester 67,987 5 0.71 0.00 0.00 0.00 833 1.23 23 First National Bank of Waynesboro Waynesboro 135,628 2,310 0.57 0.00 0.00 0.00 1,579 1.16 24 South Coast Bank & Trust Brunswick 137,577 2,093 0.15 0.68 0.00 0.00 1,493 1.13 25 Carver State Bank Savannah 41,252 (101) 0.47 0.01 0.00 (0.16) 459 1.12 26 Peoples Bank Eatonton 130,029 584 0.34 0.00 0.00 (0.03) 1,367 1.11 27 First American Bank and Trust Company Athens 554,611 7,341 0.37 0.00 0.00 0.00 5,839 1.07 27 Oconee State Bank Watkinsville 355,856 2,483 0.17 0.10 0.00 0.00 3,698 1.07 27 FNB South Alma 386,701 8,778 0.50 0.00 0.00 0.11 4,028 1.07 30 Southeastern Bank Darien 421,084 7,271 0.28 0.00 0.00 0.22 4,322 1.02 31 Citizens Bank of Swainsboro Swainsboro 214,210 2,776 0.39 0.00 0.00 0.01 2,014 0.96 32 First National Bank of Griffin Griffin 282,714 1,915 0.39 0.04 0.00 (0.03) 2,593 0.94 32 Claxton Bank Claxton 117,804 1,325 0.27 0.27 0.10 (0.02) 1,140 0.94 32 Farmers State Bank Lincolnton 127,294 2,271 0.75 0.00 0.00 (0.28) 1,119 0.94 35 Colony Bank Fitzgerald 1,473,499 12,720 0.33 0.00 0.00 0.06 12,504 0.93 36 Southwest Georgia Bank Moultrie 545,938 5,192 0.18 0.00 0.00 0.00 4,902 0.91 37 Citizens Bank & Trust, Inc. Trenton 106,019 1,325 0.49 0.00 0.00 0.00 904 0.90 38 Durden Banking Company, Incorporated Twin City 178,944 3,778 0.51 0.00 0.00 0.06 1,570 0.89 39 Altamaha Bank and Trust Company Vidalia 170,353 1,988 0.49 0.00 0.00 (0.09) 1,389 0.85 40 Bank of Soperton Soperton 91,697 1,408 0.56 0.00 0.00 0.00 708 0.84 41 First National Community Bank Chatsworth 288,216 1,752 0.22 0.00 0.00 0.00 1,612 0.83 41 American Pride Bank Macon 195,110 3,158 0.17 0.34 0.20 0.00 1,578 0.83 41 First National Bank of Coffee County Douglas 206,068 2,714 0.30 0.00 0.00 0.00 1,671 0.83 44 United Community Bank Blairsville 12,785,175 186,958 0.18 0.20 0.01 0.00 101,135 0.81 44 South Georgia Banking Company Tifton 443,092 5,524 0.41 0.00 0.00 0.00 3,674 0.81 46 Northeast Georgia Bank Lavonia 460,377 8,415 0.23 0.00 0.00 (0.01) 3,614 0.78 46 Community Bank of Pickens County Jasper 361,143 5,520 0.13 0.20 0.17 (0.04) 2,738 0.78 48 PrimeSouth Bank Waycross 669,272 9,098 0.24 0.21 0.00 0.01 4,766 0.77 48 Peoples Bank Willacoochee 74,178 880 0.41 0.00 0.00 0.00 582 0.77 48 Commercial Bank Crawford 217,581 4,613 0.46 0.00 0.00 (0.01) 1,433 0.77 48 Bank of Camilla Camilla 104,478 1,131 0.33 0.00 0.01 0.00 800 0.77 48 South Georgia Bank Glennville 157,688 3,775 0.47 0.00 0.00 0.11 1,213 0.77 48 SouthCrest Bank, N.A. Atlanta 522,056 4,984 0.40 0.00 0.03 (0.01) 4,123 0.77 48 River City Bank Rome 162,451 1,916 0.11 0.00 0.00 0.00 1,231 0.77
Source: S&P Global Market Intelligence 44 Georgia – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Atlantic Capital Bank, National Association Atlanta 2,411,147 46.99 197 2 0.93 0.14 0.39 1.46 2 Touchmark National Bank Alpharetta 407,669 47.01 27 1 1.00 0.08 0.55 1.63 3 Cadence Bank, N.A. Atlanta 17,849,295 48.26 1,821 104 1.31 0.26 0.58 2.15 4 Affinity Bank Atlanta 328,102 67.00 29 1 1.29 0.24 0.67 2.21 5 Citizens Bank of Georgia Cumming 329,438 54.26 54 4 1.26 0.18 0.76 2.21 6 Synovus Bank Columbus 47,572,438 53.61 5,015 296 1.16 0.35 0.73 2.24 7 Vidalia Federal Savings Bank Vidalia 201,567 88.64 30 2 1.29 0.15 0.82 2.26 8 Citizens Bank of Americus Americus 330,763 54.01 50 3 1.18 0.24 0.84 2.26 9 Northeast Georgia Bank Lavonia 460,377 55.49 96 11 1.27 0.34 0.68 2.29 10 First State Bank of Blakely Blakely 520,689 53.22 99 7 1.58 0.27 0.48 2.33 11 Piedmont Bank Peachtree Corners 1,028,552 51.89 125 10 1.54 0.24 0.55 2.33 12 Bank of LaFayette, Georgia Lafayette 258,165 68.47 57 3 1.41 0.38 0.54 2.33 13 Barwick Banking Company Barwick 12,075 108.89 3 1 1.29 0.29 0.76 2.34 14 Thomasville National Bank Thomasville 953,903 47.03 117 3 1.41 0.21 0.74 2.36 15 Guardian Bank Valdosta 418,908 60.05 59 5 1.10 0.22 1.05 2.37 16 American Commerce Bank, National Association Bremen 339,352 53.98 44 3 1.44 0.20 0.75 2.39 17 Legacy State Bank Loganville 110,746 65.38 16 1 1.23 0.21 0.97 2.41 18 PeoplesSouth Bank Colquitt 816,059 56.07 180 27 1.36 0.29 0.77 2.42 19 Quantum National Bank Suwanee 510,596 44.00 58 3 1.45 0.17 0.82 2.44 20 Community Bank of Georgia Baxley 126,788 49.09 19 1 1.35 0.22 0.90 2.46 21 United Community Bank Blairsville 12,785,175 53.85 2,314 143 1.45 0.26 0.77 2.48 22 Citizens National Bank of Quitman Quitman 99,026 62.40 21 1 1.45 0.45 0.62 2.52 23 First Bank of Coastal Georgia Pembroke 113,236 78.71 31 2 1.31 0.29 0.95 2.55 24 West Central Georgia Bank Thomaston 119,820 59.02 32 3 1.65 0.38 0.52 2.55 25 Southeast First National Bank Summerville 59,948 91.21 17 3 1.37 0.31 0.89 2.57 26 Farmers Bank Greensboro 95,279 81.14 18 1 1.45 0.20 0.96 2.61 27 SunTrust Bank Atlanta 221,424,201 59.85 21,241 1,161 1.34 0.25 1.04 2.63 28 Bank of Hazlehurst Hazlehurst 118,774 60.62 29 2 1.24 0.26 1.14 2.64 29 Peoples Bank & Trust Buford 334,038 67.71 53 1 1.43 0.19 1.02 2.64 30 Merchants & Citizens Bank McRae 103,389 75.60 19 1 1.31 0.16 1.17 2.64 31 Bank of Alapaha Alapaha 176,895 62.01 44 4 1.57 0.31 0.76 2.64 32 Flint Community Bank Albany 261,527 64.61 40 1 1.69 0.22 0.76 2.67 33 Community Bank of Pickens County Jasper 361,143 56.62 58 2 1.28 0.16 1.23 2.68 34 Metro City Bank Doraville 1,647,688 40.49 202 19 1.69 0.31 0.69 2.69 35 Four County Bank Allentown 70,910 55.83 13 1 1.45 0.16 1.10 2.70 36 Farmers and Merchants Bank Sylvania 114,486 62.04 26 3 1.46 0.19 1.07 2.71 37 Vinings Bank Smyrna 375,739 74.61 41 2 1.90 0.31 0.51 2.72 38 AB&T Albany 191,573 66.62 36 3 1.57 0.33 0.83 2.73 39 South Georgia Banking Company Tifton 443,092 62.14 115 7 1.69 0.30 0.74 2.73 40 Citizens Bank Nashville 245,920 73.65 68 4 1.50 0.23 1.01 2.74 41 FNB South Alma 386,701 46.30 82 4 1.35 0.35 1.04 2.75 42 State Bank of Cochran Cochran 207,936 52.72 56 4 1.52 0.21 1.03 2.76 43 Century Bank and Trust Milledgeville 257,499 59.17 50 2 1.58 0.29 0.90 2.76 44 Community Banking Company of Fitzgerald Fitzgerald 160,075 56.91 33 2 1.61 0.18 0.97 2.77 45 First State Bank of Randolph County Cuthbert 77,367 80.83 20 2 1.50 0.38 0.89 2.78 46 Morris Bank Dublin 958,525 56.51 176 9 1.55 0.24 1.00 2.79 47 Commercial Bank Crawford 217,581 50.01 39 4 1.78 0.28 0.74 2.79 48 Bank of Dade Trenton 108,290 63.01 34 3 1.78 0.27 0.75 2.80 49 First American Bank and Trust Company Athens 554,611 61.01 100 6 1.77 0.46 0.57 2.80 50 Rochelle State Bank Rochelle 27,241 78.71 5 1 1.11 0.14 1.56 2.81
Source: S&P Global Market Intelligence 45 Georgia – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Georgia Primary Bank Atlanta 219,749 152,440 1.31 0.02 0.00 0.08 (0.03) 0.07 2 First National Bank of Coffee County Douglas 206,068 149,342 1.08 0.38 0.02 0.13 (0.28) 0.25 3 Planters and Citizens Bank Camilla 99,800 40,136 1.44 0.10 0.00 0.06 0.09 0.26 4 Barwick Banking Company Barwick 12,075 1,149 3.92 0.26 0.00 0.00 0.00 0.26 5 AB&T Albany 191,573 167,098 1.16 0.06 0.00 0.19 0.04 0.29 6 Quantum National Bank Suwanee 510,596 437,704 1.07 0.29 0.02 0.02 0.00 0.32 7 Oconee State Bank Watkinsville 355,856 246,690 1.09 0.09 0.00 0.25 (0.01) 0.33 8 Peach State Bank & Trust Gainesville 263,348 194,664 1.14 0.07 0.00 0.17 0.09 0.34 9 South Georgia Bank Glennville 157,688 102,363 2.44 0.88 0.08 0.35 (0.82) 0.49 10 Embassy National Bank Lawrenceville 104,336 82,747 1.80 0.00 0.00 0.51 0.00 0.51 11 First Port City Bank Bainbridge 215,964 164,139 1.38 0.31 0.00 0.29 0.00 0.60 12 Affinity Bank Atlanta 328,102 257,512 1.10 0.00 0.00 0.58 0.04 0.62 13 Douglas National Bank Douglas 178,728 150,514 1.16 0.00 0.44 0.21 0.00 0.66 14 River City Bank Rome 162,451 106,332 1.15 0.42 0.00 0.38 (0.14) 0.66 15 West Central Georgia Bank Thomaston 119,820 43,782 2.94 0.61 0.00 0.12 0.01 0.75 16 Thomasville National Bank Thomasville 953,903 801,217 2.06 0.12 0.00 0.64 0.04 0.80 17 Bank of Wrightsville Wrightsville 57,194 36,439 1.05 0.25 0.00 0.56 0.00 0.81 18 Security State Bank McRae 46,660 19,937 2.53 0.46 0.41 0.01 (0.06) 0.81 19 Piedmont Bank Peachtree Corners 1,028,552 826,184 0.90 0.12 0.00 0.69 0.00 0.81 20 Pinnacle Bank Elberton 960,336 697,642 1.00 0.19 0.00 0.55 0.13 0.87 21 South Coast Bank & Trust Brunswick 137,577 107,532 1.76 0.88 0.00 0.00 0.05 0.93 22 Peoples Bank Lyons 103,089 79,591 1.64 0.01 0.00 0.92 0.00 0.93 23 Rabun County Bank Clayton 183,510 126,659 2.36 0.14 0.00 1.13 (0.33) 0.95 24 BankSouth Greensboro 715,556 606,927 1.08 0.26 0.00 0.71 (0.02) 0.96 25 First American Bank and Trust Company Athens 554,611 371,688 1.52 0.03 0.00 1.03 (0.11) 0.96 26 Greater Community Bank Rome 220,742 165,960 1.07 0.35 0.00 0.42 0.19 0.97 27 Synovus Bank Columbus 47,572,438 36,569,902 0.73 0.20 0.04 0.63 0.19 1.06 28 First IC Bank Doraville 702,494 500,539 1.26 0.86 0.00 0.31 (0.10) 1.07 29 Southern Bank & Trust Clarkesville 224,546 175,884 1.26 0.02 0.00 1.06 0.00 1.08 30 Citizens Bank of Georgia Cumming 329,438 206,226 1.42 0.16 0.00 0.91 0.02 1.09 31 Southwest Georgia Bank Moultrie 545,938 393,251 0.89 0.45 0.00 0.53 0.14 1.13 32 United Community Bank Blairsville 12,785,175 8,957,892 0.70 0.29 0.01 0.75 0.12 1.17 33 Bank of Soperton Soperton 91,697 73,283 1.56 0.26 0.00 0.88 0.08 1.22 34 Commercial Bank Crawford 217,581 154,889 2.03 0.98 0.00 0.16 0.24 1.38 35 Atlantic Capital Bank, National Association Atlanta 2,411,147 1,839,529 0.98 0.26 0.00 1.04 0.09 1.39 36 First Peoples Bank Pine Mountain 151,642 95,632 1.24 0.39 0.11 0.87 0.08 1.45 37 Citizens Bank of Swainsboro Swainsboro 214,210 158,688 2.63 0.92 0.00 0.42 0.11 1.45 38 Citizens Bank of Americus Americus 330,763 181,754 1.96 0.41 0.00 0.96 0.09 1.46 39 Northeast Georgia Bank Lavonia 460,377 233,455 1.17 0.62 0.00 0.80 0.04 1.46 40 First National Bank of Decatur County Bainbridge 171,780 137,462 1.46 0.62 0.00 0.80 0.08 1.50 41 Rochelle State Bank Rochelle 27,241 10,259 5.15 1.49 0.00 0.00 0.05 1.54 42 Peoples Bank Willacoochee 74,178 42,821 0.53 1.17 0.00 0.38 0.00 1.55 43 PrimeSouth Bank Waycross 669,272 529,556 1.39 0.42 0.01 0.89 0.24 1.57 44 First Bank Dalton 399,563 332,554 1.76 0.17 0.01 1.23 0.15 1.57 45 Cadence Bank, N.A. Atlanta 17,849,295 13,682,294 0.93 0.15 0.18 0.87 0.39 1.59 46 Southeast First National Bank Summerville 59,948 18,714 1.31 0.54 0.11 0.92 0.02 1.59 47 Metro City Bank Doraville 1,647,688 1,265,792 0.54 0.40 0.04 1.14 0.01 1.59 48 Touchmark National Bank Alpharetta 407,669 351,977 1.47 0.64 0.00 0.99 0.00 1.63 49 American Commerce Bank, National Association Bremen 339,352 292,287 1.52 0.35 0.00 1.31 (0.01) 1.65 50 Southeastern Bank Darien 421,084 231,192 1.95 0.69 0.01 1.50 (0.55) 1.65
Source: S&P Global Market Intelligence 46 Georgia – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Metro City Bank Doraville 1,647,688 43,785 202 217 41,093 27,929 2.91 25.23 2 Thomasville National Bank Thomasville 953,903 17,938 117 153 15,648 12,165 1.91 20.77 2 First Century Bank, National Association Gainesville 157,124 3,407 7 487 3,107 890 2.22 20.77 4 Quantum National Bank Suwanee 510,596 14,737 58 254 11,544 7,687 2.28 20.03 5 Douglas National Bank Douglas 178,728 5,511 29 190 5,142 4,511 2.27 18.43 6 United Bank Zebulon 1,459,036 34,217 400 86 28,735 23,809 1.82 17.82 7 Gwinnett Community Bank Duluth 223,173 1,575 35 45 1,104 (455) 0.69 17.25 8 Rabun County Bank Clayton 183,510 4,073 48 85 2,715 1,740 2.30 17.24 8 First State Bank Wrens 155,149 2,121 34 62 1,520 1,444 1.42 17.24 10 Commercial Bank Crawford 217,581 4,613 39 118 3,942 3,208 1.85 16.97 11 First Bank Dalton 399,563 5,661 76 74 5,474 3,880 1.47 16.96 12 Embassy National Bank Lawrenceville 104,336 2,971 30 99 3,001 1,663 2.77 16.94 13 PromiseOne Bank Duluth 435,524 11,821 95 124 9,904 9,672 2.21 16.90 14 PeoplesSouth Bank Colquitt 816,059 11,902 180 66 6,943 6,831 1.46 16.71 15 Morris Bank Dublin 958,525 15,430 176 88 14,514 13,440 1.83 16.61 16 Citizens Bank of Americus Americus 330,763 4,668 50 93 4,001 2,929 1.44 15.54 17 Atlantic Capital Bank, National Association Atlanta 2,411,147 54,759 197 278 7,253 16,110 2.06 15.28 18 Century Bank and Trust Milledgeville 257,499 3,774 50 75 2,692 2,488 1.45 14.72 19 South Georgia Bank Glennville 157,688 3,775 43 88 3,653 3,560 1.80 14.67 20 First IC Bank Doraville 702,494 10,538 109 97 9,668 7,530 1.83 14.41 21 FNB South Alma 386,701 8,778 82 107 10,803 7,663 2.32 14.39 22 Bank of Dade Trenton 108,290 2,143 34 63 1,534 1,530 1.47 14.29 23 Piedmont Bank Peachtree Corners 1,028,552 15,125 125 121 10,523 7,007 1.55 13.99 24 Community Bank of Pickens County Jasper 361,143 5,520 58 95 3,996 3,375 1.57 13.90 25 Peoples Bank Lyons 103,089 1,244 27 46 1,012 608 1.29 13.70 26 Bank of Soperton Soperton 91,697 1,408 25 56 1,627 946 1.25 13.69 27 Southeastern Bank Darien 421,084 7,271 110 66 3,947 4,927 1.72 13.64 28 Waycross Bank & Trust Waycross 179,346 3,182 20 159 2,854 2,177 1.44 13.57 29 BankSouth Greensboro 715,556 10,966 293 37 9,820 8,454 1.28 13.48 30 Citizens Bank of Georgia Cumming 329,438 4,390 54 81 3,701 3,172 1.37 13.47 31 Southern Bank & Trust Clarkesville 224,546 2,455 43 57 1,972 1,639 1.21 13.42 32 Community Bank of Georgia Baxley 126,788 1,538 19 81 1,052 817 1.52 13.09 33 Century Bank of Georgia Cartersville 198,540 2,809 35 80 2,131 1,615 1.44 13.02 34 Northeast Georgia Bank Lavonia 460,377 8,415 96 88 7,154 4,966 1.36 12.83 35 Citizens Bank of Swainsboro Swainsboro 214,210 2,776 61 46 1,802 1,826 1.33 12.79 36 American Commerce Bank, National Association Bremen 339,352 4,392 44 100 2,495 3,255 1.39 12.78 37 PrimeSouth Bank Waycross 669,272 9,098 134 68 5,856 5,550 1.47 12.69 38 Queensborough National Bank & Trust Company Louisville 1,209,215 14,316 323 44 11,104 8,493 1.23 12.61 39 First American Bank and Trust Company Athens 554,611 7,341 100 73 5,970 5,220 1.34 12.50 40 Synovus Bank Columbus 47,572,438 545,881 5,015 109 395,044 349,011 1.27 12.19 41 Southwest Georgia Bank Moultrie 545,938 5,192 112 46 4,330 4,156 0.96 12.04 42 Bank of Monticello Monticello 109,075 1,759 23 76 1,615 2,000 1.23 11.87 43 Community Banking Company of Fitzgerald Fitzgerald 160,075 2,392 33 72 2,044 1,656 1.49 11.81 44 Touchmark National Bank Alpharetta 407,669 5,748 27 213 3,295 3,267 1.40 11.80 45 First Peoples Bank Pine Mountain 151,642 1,931 40 48 1,248 971 1.31 11.78 46 Bank of Newington Newington 145,497 1,378 34 41 1,454 1,611 1.02 11.69 47 South Coast Bank & Trust Brunswick 137,577 2,093 24 87 1,344 772 1.19 11.60 48 Citizens Bank & Trust, Inc. Trenton 106,019 1,325 42 32 901 1,136 1.33 11.59 49 United Community Bank Blairsville 12,785,175 186,958 2,314 81 126,001 113,631 1.49 11.52 50 Bank of Wrightsville Wrightsville 57,194 754 14 54 589 433 1.00 11.30
Source: S&P Global Market Intelligence 47 Georgia – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Douglas National Bank Douglas 178,728 17 15 68 13 5 23.6 2 Quantum National Bank Suwanee 510,596 11 112 19 6 4 30.4 3 Metro City Bank Doraville 1,647,688 75 3 34 47 1 32.0 4 Commercial Bank Crawford 217,581 22 48 47 34 10 32.2 5 South Georgia Bank Glennville 157,688 26 48 70 9 19 34.4 6 FNB South Alma 386,701 5 27 41 88 21 36.4 7 Embassy National Bank Lawrenceville 104,336 7 5 149 10 12 36.6 7 Thomasville National Bank Thomasville 953,903 138 13 14 16 2 36.6 9 First IC Bank Doraville 702,494 72 10 71 28 20 40.2 10 First National Bank of Coffee County Douglas 206,068 15 41 103 2 51 42.4 11 PromiseOne Bank Duluth 435,524 55 6 92 58 13 44.8 12 United Community Bank Blairsville 12,785,175 84 44 21 32 49 46.0 13 Bank of Soperton Soperton 91,697 4 40 129 33 26 46.4 14 United Bank Zebulon 1,459,036 105 8 63 51 6 46.6 15 PrimeSouth Bank Waycross 669,272 48 48 61 43 37 47.4 16 Southeastern Bank Darien 421,084 75 30 56 50 27 47.6 17 Pinnacle Bank Elberton 960,336 46 17 110 20 53 49.2 18 First Bank Dalton 399,563 62 81 51 44 11 49.8 19 Peoples Bank Lyons 103,089 20 68 117 22 25 50.4 20 Citizens Bank of Swainsboro Swainsboro 214,210 42 31 112 37 35 51.4 21 Piedmont Bank Peachtree Corners 1,028,552 55 150 11 19 23 51.6 22 Northeast Georgia Bank Lavonia 460,377 133 46 9 39 34 52.2 23 Community Banking Company of Fitzgerald Fitzgerald 160,075 67 57 44 53 43 52.8 24 South Coast Bank & Trust Brunswick 137,577 100 24 75 21 47 53.4 25 Synovus Bank Columbus 47,572,438 125 74 6 27 40 54.4 26 First American Bank and Trust Company Athens 554,611 134 27 49 25 39 54.8 27 Citizens Bank of Americus Americus 330,763 127 88 8 38 16 55.4 28 First Peoples Bank Pine Mountain 151,642 14 76 109 36 45 56.0 29 River City Bank Rome 162,451 65 48 95 14 60 56.4 30 Cadence Bank, N.A. Atlanta 17,849,295 95 63 3 45 80 57.2 31 First State Bank Wrens 155,149 8 88 111 72 8 57.4 32 BankSouth Greensboro 715,556 75 1 159 24 29 57.6 33 Community Bank of Georgia Baxley 126,788 12 134 20 91 32 57.8 34 Rabun County Bank Clayton 183,510 69 105 87 23 8 58.4 35 Southern Bank & Trust Clarkesville 224,546 46 108 81 29 31 59.0 35 Century Bank and Trust Milledgeville 257,499 93 55 43 86 18 59.0 37 Morris Bank Dublin 958,525 35 105 46 95 15 59.2 38 First National Bank of Waynesboro Waynesboro 135,628 27 23 105 67 75 59.4 38 Bank of Wrightsville Wrightsville 57,194 89 76 65 17 50 59.4 40 Greater Community Bank Rome 220,742 39 68 101 26 67 60.2 41 Durden Banking Company, Incorporated Twin City 178,944 25 38 99 78 68 61.6 42 AB&T Albany 191,573 118 88 38 5 61 62.0 43 Southwest Georgia Bank Moultrie 545,938 114 36 89 31 41 62.2 44 Citizens Bank & Trust, Inc. Trenton 106,019 28 37 114 85 48 62.4 45 Ameris Bank Atlanta 17,675,175 103 18 66 54 79 64.0 46 Citizens Bank of Georgia Cumming 329,438 111 145 5 30 30 64.2 47 WestSide Bank Hiram 138,106 22 76 127 1 97 64.6 48 SunTrust Bank Atlanta 221,424,201 150 14 27 69 65 65.0 48 Community Bank of Pickens County Jasper 361,143 82 46 33 140 24 65.0 50 South Georgia Banking Company Tifton 443,092 104 44 39 52 88 65.4
Source: S&P Global Market Intelligence 48 Rank The Banks Illinois – 2019 Q3 Illinois – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1st Community Bank Sherrard Illinois Holding Co. 1/1/1910 2 18 Yes 64,436 0.54 5.36 1st Equity Bank Skokie First Equity Corp. 6/9/1997 1 12 Yes 95,211 0.90 6.14 1st Equity Bank Northwest Buffalo Grove Northwest Equity Corp. 10/15/2003 1 4 Yes 40,877 0.57 2.59 1st State Bank of Mason City Mason City Firstate Bancorp, Inc. 11/1/1977 1 5 Yes 25,319 0.50 3.56 Albany Bank and Trust Company, National Association Chicago Albank Corporation 6/27/1953 4 67 No 610,338 1.16 7.22 Algonquin State Bank Algonquin First Algonquin Company 3/3/1902 4 25 Yes 133,860 0.37 3.58 Alliance Community Bank Petersburg AC Bancorp, Inc. 5/18/1910 4 60 Yes 272,421 0.90 7.53 Allied First Bank,sb Oswego Allied First Bancorp, Inc. 1/3/1994 1 254 No 103,594 2.88 24.96 Amalgamated Bank of Chicago Chicago Amalgamated Investments Company 6/30/1922 2 178 No 891,140 0.91 9.01 American Community Bank & Trust Woodstock American Community Financial, Inc. 3/13/2000 4 61 No 580,848 0.67 4.96 American Eagle Bank South Elgin Orchid Financial Bancorp, Inc. 10/17/2002 1 27 No 274,254 0.89 11.31 American Eagle Bank of Chicago Chicago Orchid Financial Bancorp, Inc. 4/16/2007 1 8 No 97,208 0.20 2.06 American Metro Bank Chicago American Metro Bancorp, Inc. 1/29/1997 2 19 No 81,415 0.47 4.51 Anchor State Bank Anchor Anchor Bancorporation, Inc. 12/27/1920 1 3 No 16,259 0.70 5.73 Anderson State Bank Oneida Anderson Bancorp, Inc. 1/1/1876 1 8 Yes 89,610 0.87 5.63 Anna State Bank Anna ASB Management Corp. 9/18/1930 1 19 No 83,705 0.97 6.02 Anna-Jonesboro National Bank Anna Union County Bancshares, Inc. 1/2/1900 4 50 No 219,665 0.82 5.92 Apple River State Bank Apple River First Apple River Corporation 1/1/1947 6 56 Yes 360,488 1.06 10.25 Arcola First Bank Arcola 11/9/1874 3 16 Yes 111,005 0.33 2.93 Atlanta National Bank Atlanta ANB Bancorp, Inc. 8/2/1887 2 14 No 59,349 0.68 5.01 Bank & Trust Company Litchfield LBT Bancshares, Inc. 9/1/1902 7 87 No 341,286 1.04 9.93 Bank of Belleville Belleville Belleville Bancorp, Inc. 11/4/2005 1 39 No 225,988 0.54 6.97 Bank of Bluffs Bluffs Scott Morgan Bancorp, Inc. 8/3/1893 2 14 Yes 54,384 0.50 3.38 Bank of Bourbonnais Bourbonnais Illinois State Bancorp, Inc. 6/21/1974 1 11 No 68,071 0.54 3.84 Bank of Calhoun County Hardin BCC Bancshares, Inc. 1/1/1898 3 14 No 66,805 0.60 6.05 Bank of Carbondale Carbondale Carbondale Investment Corporation 4/4/1919 5 54 No 246,160 1.05 8.13 Bank of Chestnut Chestnut 1/1/1902 1 5 No 18,068 0.30 3.06 Bank of Farmington Farmington Farmington Bancorp, Inc. 1/1/1903 4 39 No 180,428 0.70 6.05 Bank of Gibson City Gibson City Longview Capital Corporation 4/1/1979 1 13 No 86,279 0.97 7.96 Bank of Herrin Herrin FGH Bancorp, Inc. 4/12/1904 5 60 Yes 250,381 0.98 9.47 Bank of Hillsboro, National Association Hillsboro Country Bancorp, Inc. 1/1/1869 12 96 No 360,656 0.95 8.55 Bank of Kampsville Kampsville Kampsville Bancshares, Inc. 12/1/1908 4 25 No 108,963 0.82 4.69 Bank of Montgomery Montgomery Montgomery Bancshares, Inc. 8/15/1972 1 6 No 40,872 (0.58) (6.21) Bank of O'Fallon O'Fallon Security First Bancshares, Inc. 3/28/1960 2 32 Yes 311,657 0.93 6.66 Bank of Pontiac Pontiac Pontiac Bancorp, Inc. 9/6/1947 9 95 No 559,629 1.24 9.48 Bank of Rantoul Rantoul Bancorp of Rantoul, Inc. 11/25/1920 3 37 Yes 231,029 1.30 11.60 Bank of Springfield Springfield Spring Bancorp, Inc. 10/29/1965 13 276 No 1,055,036 0.59 6.37 Bank of Stronghurst Stronghurst 4/27/1946 3 18 No 74,219 0.50 3.06 Bank of Yates City Yates City First Bancorp, Inc. 12/25/1871 2 15 Yes 70,725 0.30 3.31 BankChampaign, National Association Champaign Market Place Bancshares, Inc. 3/14/1977 2 40 Yes 224,718 1.04 10.51 BankFinancial, National Association Olympia Fields BankFinancial Corporation 1/1/1924 20 223 No 1,489,425 1.10 10.03 BankORION Orion Orion Bancorporation, Inc. 5/21/1890 8 88 No 477,706 1.03 8.68 Banterra Bank Eldorado Banterra Corp. 11/26/1955 37 383 Yes 1,865,514 1.10 12.14 Barrington Bank & Trust Company, National Association Barrington Wintrust Financial Corporation 12/19/1996 7 1,026 No 2,604,075 1.34 8.77 Beardstown Savings s.b. Beardstown 1/1/1880 2 13 No 52,129 0.65 6.08 Belmont Bank & Trust Company Chicago Belmont Financial Group, Inc. 6/14/2006 3 37 No 533,573 1.37 13.54 Ben Franklin Bank of Illinois Arlington Heights Ben Franklin Financial, Inc. 2/1/1893 2 25 No 99,973 (0.63) (5.93) Best Hometown Bank Collinsville Best Hometown Bancorp, Inc. 1/1/1887 2 20 No 115,624 (0.08) (0.87) Better Banks Peoria Backlund Investment Co. 3/14/1898 8 70 Yes 290,313 0.65 7.01 Beverly Bank & Trust Company, National Association Chicago Wintrust Financial Corporation 4/1/2004 8 156 No 1,585,403 1.18 10.59
Source: S&P Global Market Intelligence 50 Illinois – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Blackhawk Bank & Trust Milan Blackhawk Bancorporation, Inc. 6/28/1961 17 215 No 1,381,090 1.31 10.77 BMO Harris Bank, National Association Chicago Bank of Montreal 5/1/1882 572 11,448 No 138,843,929 1.04 7.97 Bradford National Bank of Greenville Greenville Bradford Bancorp, Inc. 1/1/1867 4 48 Yes 318,318 1.11 8.93 Brickyard Bank Lincolnwood Brickyard Bancorp, Inc. 2/26/1979 3 22 No 122,310 1.10 9.28 Buckley State Bank Buckley Buckley Bancorp, Inc. 11/19/1920 1 8 No 41,734 1.03 8.58 Buena Vista National Bank Chester Buena Vista Bancorp, Inc. 1/1/1905 8 63 No 207,566 1.29 9.43 Burling Bank Chicago Burling Bancorp, Inc. 8/7/1989 1 17 Yes 132,299 1.13 11.20 Busey Bank Champaign First Busey Corporation 7/8/1946 86 1,257 No 7,803,711 1.44 10.00 Byline Bank Chicago Byline Bancorp, Inc. 3/1/1972 65 1,004 No 5,432,970 1.21 8.94 Byron Bank Byron Byron Bancshares, Inc. 7/1/1932 4 67 Yes 275,837 1.03 9.76 Camp Grove State Bank Camp Grove Camp Grove Bancorp, Inc. 1/1/1902 1 5 Yes 19,497 (1.23) (9.45) Campus State Bank Campus 1/1/1899 1 4 No 21,762 0.54 4.70 Carrollton Bank Carrollton CBX Corporation 1/1/1877 13 258 Yes 1,919,832 0.83 10.06 Casey State Bank Casey Eagle Financial Corp. 12/30/1880 9 64 Yes 327,892 1.03 9.89 Catlin Bank Catlin Butler Point, Inc. 5/28/1904 3 20 No 63,196 0.98 9.72 Central Bank Illinois Geneseo Central Banc, Inc. 2/1/1907 10 165 No 919,878 1.55 13.49 Central Federal Savings and Loan Association Cicero 1/1/1892 3 49 No 187,869 0.58 5.54 Central Savings, F.S.B. Chicago 1/1/1893 3 24 No 103,572 0.47 1.90 Central State Bank Clayton Clayton Bancshares, Inc. 5/1/1928 4 32 Yes 144,220 1.81 11.69 CenTrust Bank, National Association Northbrook United Community Bancshares, Inc. 4/14/2006 1 27 No 125,844 1.09 12.07 Chester National Bank Chester Chester Bancorp, Inc. 1/1/1919 4 16 No 61,361 0.50 4.11 Chesterfield State Bank Chesterfield 9/21/1898 1 5 Yes 17,151 0.32 2.91 CIBC Bank USA Chicago Canadian Imperial Bank of Commerce 2/6/1991 24 1,678 No 31,742,815 1.03 5.17 CIBM Bank Champaign CIB Marine Bancshares, Inc. 1/1/1921 11 182 No 692,392 0.54 4.50 Citizens Bank of Chatsworth Chatsworth CBC Financial, Inc. 12/7/1903 2 11 No 31,184 (2.41) (17.36) Citizens Bank of Edinburg Edinburg CB Edinburg Holdings, Inc. 7/16/1971 1 3 No 26,079 1.15 11.96 Citizens Community Bank Mascoutah Citizens Bancorporation, Inc. 12/21/1992 4 48 No 399,361 1.10 9.78 Citizens First State Bank of Walnut Walnut Citizens Bancshares, Inc. 1/1/1882 1 8 Yes 47,286 0.60 6.95 Citizens National Bank of Albion Albion Citizens Bancshares, Inc. 8/5/1940 6 61 No 318,837 1.09 6.58 Citizens State Bank Lena First Lena Corporation 1/1/1880 3 51 Yes 263,560 0.57 4.50 Citizens State Bank of Milford Milford Arthur R. Murray, Inc. 9/23/1907 1 15 Yes 41,593 0.49 4.94 City National Bank of Metropolis Metropolis City National Bankcorp, Inc. 7/1/1907 2 49 No 388,746 0.88 6.84 Clay City Banking Co. Clay City Clay City Bank Shares, Inc 7/5/1892 4 35 No 149,516 0.44 4.40 Clay County State Bank Louisville Clay County State Bancshares, Inc. 9/13/1905 1 19 Yes 78,476 1.03 6.89 CNB Bank & Trust, N.A. Carlinville CNB Bank Shares, Inc. 1/1/1888 19 286 No 1,321,421 1.04 11.31 Colchester State Bank Colchester 8/19/1963 1 8 No 68,792 0.85 5.57 Collinsville Building and Loan Association Collinsville 1/1/1885 2 18 No 120,875 0.36 1.29 Community Bank Winslow Stateline Community Bancshares, Inc. 10/15/1915 4 20 Yes 217,335 1.01 7.42 Community Bank of Easton Easton Easton Bancshares, Inc. 8/1/1962 1 4 No 36,222 2.74 13.76 Community Bank of Elmhurst Elmhurst Community Bancshares of Elmhurst, Inc. 5/24/1993 3 25 Yes 145,795 0.73 7.51 Community Bank of Trenton Trenton CBT Bancorp, Inc. 1/1/1905 1 16 Yes 84,534 0.86 7.11 Community Banks of Shelby County Cowden Cowden Bancorp, Inc. 12/25/1892 3 20 Yes 46,437 0.48 4.14 Community First Bank of the Heartland Mount Vernon Cedar Bancorp, Inc. 11/5/1906 4 46 Yes 203,408 1.34 14.50 Community National Bank in Monmouth Monmouth 9/10/1964 1 13 No 40,966 0.15 0.94 Community Partners Savings Bank Salem 6/1/1910 5 50 No 202,847 0.68 6.06 Community Savings Bank Chicago 1/1/1925 2 62 No 396,440 0.34 2.12 Community State Bank Galva CSB Financial Holdings, Inc. 11/3/1980 5 46 Yes 237,261 1.07 9.92 Community State Bank of Rock Falls Rock Falls Community Illinois Corporation 4/24/1975 5 55 No 263,471 0.75 7.29 Community Trust Bank Irvington Community Bancshares, Inc. 1/1/1934 3 23 No 78,175 0.82 6.02 Cornerstone National Bank & Trust Company Palatine Cornerstone Bancorp, Inc. 10/16/2000 4 89 No 637,318 1.00 10.69
Source: S&P Global Market Intelligence 51 Illinois – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Crossroads Bank Effingham Omni Bancorp, Inc. 3/12/1974 2 23 No 175,642 1.34 9.58 Crystal Lake Bank & Trust Company, National Association Crystal Lake Wintrust Financial Corporation 12/19/1997 7 59 No 1,171,070 1.48 15.53 Devon Bank Chicago Devon Bancorp, Inc. 9/15/1945 8 101 No 288,837 0.43 4.81 Dewey Bank Dewey Arthur R. Murray, Inc. 1/1/1902 1 9 Yes 21,861 0.08 0.60 DeWitt Savings Bank Clinton 1/1/1887 2 23 No 117,392 0.69 5.45 Dieterich Bank Effingham Prime Banc Corp. 11/15/1909 9 123 No 709,133 0.97 10.50 Du Quoin State Bank Du Quoin Perry County Bancorp Inc. 4/7/1915 3 19 Yes 108,365 0.86 7.42 Durand State Bank Durand Durand Bancorp, Inc. 2/1/1957 2 21 No 105,849 0.83 7.72 Eureka Savings Bank La Salle 1/1/1885 4 51 No 316,029 0.36 1.53 Evergreen Bank Group Oak Brook Bancorp Financial, Inc. 10/5/1999 3 145 No 1,071,091 1.37 13.08 Exchange State Bank Lanark Lanark Bancshares, Inc. 4/2/1878 1 14 Yes 91,489 0.95 7.62 Fairfield National Bank Fairfield Fairfield Bancshares, Inc. 3/2/1903 3 59 No 551,260 1.13 9.64 Fairview State Banking Company Fairview 7/1/1915 1 6 No 28,885 0.85 6.30 Farmers & Mechanics Bank Galesburg Central Bancshares, Inc. 3/31/1869 5 70 No 369,674 1.02 7.80 Farmers & Merchants Bank of Hutsonville Hutsonville Hutsonville Banc Corp. 12/20/1920 1 6 Yes 45,591 1.10 6.02 Farmers and Merchants National Bank of Nashville Nashville Farmers and Merchants Bancshares, Inc. 5/10/1906 7 45 Yes 183,440 1.08 8.75 Farmers and Merchants State Bank of Bushnell Bushnell Prairieland Bancorp, Inc. 1/1/1913 2 22 No 69,490 1.00 10.96 Farmers Bank of Mt. Pulaski Mount Pulaski 10/25/1872 2 12 No 57,018 0.33 2.50 Farmers National Bank Prophetstown Prophetstown Banking Co. 8/13/1902 3 49 No 726,119 1.46 10.30 Farmers National Bank of Griggsville Griggsville Griggsville Bancshares, Inc. 2/13/1943 3 23 Yes 91,258 1.17 10.84 Farmers State Bank Pittsfield Pike Bancorp, Inc. 1/26/1889 6 51 Yes 252,522 1.13 8.55 Farmers State Bank Elmwood Elmwood Bancshares, Inc. 12/6/1864 1 14 Yes 55,345 (0.01) (0.14) Farmers State Bank & Trust Company Mount Sterling Mount Sterling Bancorp, Inc 6/30/1914 4 16 No 97,011 1.15 12.74 Farmers State Bank and Trust Company Jacksonville Farmers Holding Company 1/4/1911 2 54 No 196,711 0.49 4.18 Farmers State Bank of Alto Pass, Ill. Harrisburg Farmers State Holding Corp. 1/1/1910 4 55 Yes 234,753 0.84 9.72 Farmers State Bank of Danforth Danforth Prairie State Bancorp, Inc. 10/18/1915 2 17 No 59,631 1.13 8.92 Farmers State Bank of Emden Emden 5/25/1891 1 6 No 35,019 0.80 2.89 Farmers State Bank of Hoffman Hoffman Farmers State Bancorporation, Inc. 1/1/1911 3 34 No 152,128 0.74 4.78 Farmers State Bank of Medora Medora 9/9/1912 1 5 No 19,661 0.07 0.39 Farmers State Bank of Western Illinois Alpha Alpha Banco, Inc. 12/1/1910 6 40 Yes 144,443 1.07 8.44 Farmers-Merchants Bank of Illinois Paxton Merchants Bancorp 12/25/1921 5 34 No 191,166 1.11 7.35 FCB Banks Collinsville First Co Bancorp, Inc. 7/9/1990 20 210 No 1,681,608 0.96 11.15 Federal Savings Bank Chicago National Bancorp Holdings, Inc. 7/3/2000 2 1,090 No 756,162 8.08 45.85 Federated Bank Onarga Admiral Family Banks, Inc. 1/30/1918 4 27 Yes 97,078 0.41 3.35 First American Bank Elk Grove Village First American Bank Corporation 3/26/1901 59 735 Yes 4,495,916 0.54 6.77 First Bank and Trust Company of Illinois Palatine Northwest Bancorporation of Illinois, Inc. 12/20/1962 1 31 No 187,042 (0.94) (9.82) First Bank and Trust Company of Murphysboro Murphysboro First of Murphysboro Corp. 5/13/1889 2 28 No 79,165 0.03 0.40 First Bank of Highland Park Highland Park Bank of Highland Park Financial Corp 7/16/1955 2 133 No 1,825,747 0.56 5.50 First Bank of Manhattan Manhattan Manhattan Bancshares, Inc. 1/1/1907 3 45 Yes 176,978 0.73 6.98 First Bankers Trust Company, National Association Quincy First Bankers Trustshares, Inc. 10/23/1946 10 168 No 906,599 0.94 9.86 First Community Bank and Trust Beecher First Community Bancorp, Inc. 11/20/1916 2 31 No 156,244 1.32 10.48 First Community Bank of Hillsboro Hillsboro First Community Banc Holding Company 5/29/1998 2 22 Yes 112,485 1.04 11.63 First Community Bank of Moultrie County Sullivan Sullivan BancShares, Inc. 4/5/1905 3 21 Yes 90,132 0.99 9.29 First Community Bank, Xenia-Flora Xenia First Community Bancshares, Inc. 1/1/1922 2 11 Yes 41,114 1.11 9.58 First Eagle Bank Chicago First Eagle Bancshares, Inc. 2/15/1985 2 42 Yes 528,748 1.88 11.03 First Farmers State Bank Minier Minier Financial, Inc. 1/1/1875 3 33 Yes 172,135 1.28 10.46 First Federal S&L Association of Central Illinois, S.B. Shelbyville 1/1/1906 3 31 No 128,471 0.65 5.47 First Federal Savings Bank Ottawa 1/1/1889 12 107 No 364,070 0.23 2.01 First Federal Savings Bank of Champaign-Urbana Champaign Great American Bancorp, Inc. 7/2/1908 2 59 No 167,658 1.06 10.18 First FSB of Mascoutah Mascoutah 8/1/1913 3 16 No 108,960 0.42 3.42
Source: S&P Global Market Intelligence 52 Illinois – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First Mid Bank & Trust, National Association Mattoon First Mid Bancshares, Inc. 2/8/1865 65 671 No 3,809,029 1.20 9.72 First Midwest Bank Chicago First Midwest Bancorp, Inc. 10/27/1870 120 2,112 No 17,919,012 1.32 9.93 First National Bank Mattoon MGB Bancshares, Inc. 9/1/1904 3 22 Yes 92,080 0.35 4.22 First National Bank and Trust Company Clinton TS Contrarian Bancshares, Inc. 1/20/1872 1 26 No 192,948 1.42 16.15 First National Bank in Amboy Amboy Amboy Bancorp, Inc. 8/11/1934 6 60 Yes 206,310 0.58 4.99 First National Bank in Carlyle Carlyle First National Bancorporation in Carlyle, Inc. 1/1/1878 4 33 No 196,892 0.90 8.12 First National Bank in Olney Olney Summit Bancshares, Ltd. 7/9/1934 6 70 No 356,680 1.21 9.77 First National Bank in Pinckneyville Pinckneyville First Perry Bancorp, Inc. 1/1/1901 1 24 No 104,823 1.26 8.32 First National Bank in Staunton Staunton First Staunton Bancshares, Inc. 12/12/1934 9 123 Yes 543,284 0.98 8.27 First National Bank in Taylorville Taylorville First Bancorp of Taylorville, Inc. 3/28/1956 2 29 Yes 195,680 1.18 6.74 First National Bank in Tremont Tremont Tremont Bancorp, Inc. 11/18/1931 3 30 No 122,698 0.76 6.23 First National Bank of Allendale Allendale Allendale Bancorp, Inc. 7/6/1906 3 43 No 239,993 1.02 9.41 First National Bank of Arenzville Arenzville Arenzville Bancorp, Inc 2/1/1882 3 21 Yes 86,888 0.77 7.60 First National Bank of Assumption Assumption 1/2/1900 1 4 No 20,868 0.51 4.97 First National Bank of Ava Ava Headquarters Holding Company, Inc. 1/1/1917 1 18 No 63,576 1.26 9.22 First National Bank of Beardstown Beardstown Mascouten Bancorp, Inc. 2/24/1887 3 32 Yes 128,799 0.95 7.84 First National Bank of Brookfield Brookfield 7/23/1962 1 31 No 205,202 1.15 10.28 First National Bank of Brownstown Brownstown First Brownstown Bancorp, Inc. 6/1/1913 1 8 No 39,184 0.60 5.44 First National Bank of Carmi Carmi Southern Illinois Bancorp, Inc. 12/20/1893 9 97 No 414,962 0.77 7.98 First National Bank of Lacon Lacon First Lacon Corp. 4/11/1864 1 12 Yes 59,916 0.77 8.28 First National Bank of Litchfield Litchfield First Montgomery Bancorp, Inc. 1/1/1860 2 25 Yes 96,696 1.06 8.69 First National Bank of Nokomis Nokomis First Nokomis Bancorp, Inc. 9/3/1940 4 43 Yes 151,940 0.77 6.36 First National Bank of Okawville Okawville 6/26/1920 1 15 No 59,846 0.74 6.08 First National Bank of Ottawa Ottawa First Ottawa Bancshares, Inc. 6/1/1865 9 109 No 378,859 0.84 6.28 First National Bank of Pana Pana 6/26/1930 5 39 Yes 187,557 1.16 10.02 First National Bank of Raymond Raymond Raymond Bancorp, Inc. 10/1/1903 5 40 Yes 149,590 0.31 2.87 First National Bank of Sandoval Sandoval First Sandoval Bancorp, Inc. 6/1/1910 1 14 Yes 53,731 0.92 7.73 First National Bank of Sparta Sparta First Bancorp of Sparta, Ltd. 10/2/1885 1 21 Yes 78,758 1.20 9.11 First National Bank of Steeleville Steeleville Steeleville Bancshares, Inc. 11/1/1902 3 42 Yes 204,451 1.08 7.29 First National Bank of Waterloo Waterloo First Waterloo Bancshares, Inc. 6/12/1912 11 106 No 485,473 0.79 7.18 First Nations Bank Chicago Illinois State Bancorp, Inc. 6/7/1976 3 39 No 358,961 1.16 8.75 First Neighbor Bank, National Association Toledo First Neighborhood Bancshares, Inc. 1/1/1890 8 109 No 437,713 0.92 7.82 First Robinson Savings Bank, National Association Robinson First Robinson Financial Corporation 1/1/1883 5 87 No 338,010 0.97 10.40 First Savings Bank Danville 1/1/1880 1 7 No 36,376 (0.20) (0.76) First Savings Bank of Hegewisch Chicago 1/1/1914 14 117 No 673,155 0.48 2.99 First Secure Bank and Trust Co. Palos Hills First Secure Bank Group, Inc. 10/21/1977 4 31 No 169,404 2.58 22.57 First Secure Community Bank Sugar Grove First Secure Bank Group, Inc. 2/7/2000 4 40 No 361,050 0.58 5.96 First Security Bank Mackinaw Mackinaw Valley Financial Services, Inc. 1/1/1934 4 20 Yes 84,281 0.08 0.70 First Security Trust and Savings Bank Elmwood Park First Security Bancorp, Inc. 1/26/1946 1 40 No 332,791 0.99 12.04 First Southern Bank Marion Midwest Community Bancshares, Inc. 12/15/1937 16 148 No 702,909 1.33 9.33 First State Bank Mendota Tri-County Financial Group, Inc. 1/5/1940 18 307 No 1,136,645 0.84 8.21 First State Bank Monticello First State Bancorp of Monticello, Inc. 11/10/1945 6 66 Yes 271,849 1.07 12.57 First State Bank of Beecher City Beecher City Tri-County Bancshares, Inc. 1/1/1910 1 14 Yes 72,663 1.64 9.14 First State Bank of Bloomington Bloomington First State Bancorp of Monticello, Inc. 6/9/1975 2 38 Yes 121,525 0.89 9.44 First State Bank of Campbell Hill Campbell Hill Campbell Hill Bancshares, Inc. 12/1/1921 3 31 No 115,752 1.21 11.13 First State Bank of Dongola Dongola Tri-County Holdings, Inc. 5/1/1906 2 8 Yes 25,099 0.79 7.09 First State Bank of Forrest Forrest Forrest Bancshares, Inc. 1/1/1914 6 53 Yes 229,272 0.36 4.20 First State Bank of Olmsted Olmsted FSBO Holdings, Inc. 11/7/1921 2 17 No 50,895 0.89 7.13 First State Bank of St. Peter Saint Peter St. Peter Bancshares, Inc. 4/25/1908 1 5 No 28,640 1.46 9.06 First State Bank of Van Orin Van Orin Van Orin Bancorp, Inc. 12/26/1919 2 7 Yes 40,461 0.32 3.24
Source: S&P Global Market Intelligence 53 Illinois – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First State Bank Shannon-Polo Shannon Shannon Bancorp, Inc. 1/14/1930 3 41 Yes 165,158 (0.10) (0.92) First Trust & Savings Bank of Albany, Illinois Albany Albany Bancshares, Inc. 11/13/1902 4 29 Yes 172,553 1.22 8.22 First Trust and Savings Bank of Watseka Watseka First Trust Holdings, Inc. 6/28/1909 2 32 No 255,964 1.43 9.15 First Trust Bank of Illinois Kankakee First Trust Financial Corp. 7/30/1998 4 31 No 233,546 1.01 9.51 Fisher National Bank Fisher Fisher Bancorp, Inc. 11/18/1955 2 27 Yes 127,820 1.40 10.80 Flanagan State Bank Flanagan Hometown Financial Group, Inc. 1/1/1913 6 166 Yes 187,732 1.18 11.96 Flora Bank & Trust Flora Clay BancShares, Inc. 1/19/1978 3 20 No 69,314 0.57 4.80 FNB Community Bank Vandalia First Vandalia Corp. 5/26/1865 7 86 No 351,272 1.35 9.78 FNBC Bank and Trust La Grange F.N.B.C. of La Grange, Inc. 8/17/1908 5 99 Yes 520,178 0.91 8.85 Forest Park National Bank and Trust Company Forest Park First Forest Park Corporation 5/15/1943 2 50 Yes 237,535 0.91 10.55 Forreston State Bank Forreston High Point Financial Services, Inc. 12/25/1887 3 32 Yes 221,395 0.83 7.37 Fortress Bank Peoria First State Bancorporation, Inc. 1/9/1904 10 90 No 446,633 0.82 7.89 Frederick Community Bank Cissna Park Agricultural Banking Corporation 10/20/1941 4 28 Yes 140,458 1.09 10.85 Gerber State Bank Argenta Gerber Bancshares, Inc. 10/1/1887 2 19 Yes 77,258 0.58 5.06 German-American State Bank German Valley Foresight Financial Group, Inc. 1/6/1907 4 41 No 246,554 1.18 11.79 Germantown Trust & Savings Bank Breese Germantown Banc Corp. 2/6/1906 4 42 Yes 394,113 1.44 11.12 Gifford State Bank Gifford Gifford Bancorp, Inc. 1/1/1885 4 40 Yes 155,119 0.41 3.97 Glasford State Bank Glasford Backlund Investment Co. 9/1/1932 2 10 Yes 41,669 0.57 6.48 Glenview State Bank Glenview Cummins-American Corp. 5/17/1921 7 151 Yes 1,269,258 0.88 7.98 GN Bank Chicago Groupe Nduom 1/1/1934 2 29 No 136,989 (0.16) (1.74) Gold Coast Bank Chicago GC Bancorp, Inc. 6/4/2007 1 35 No 378,983 1.36 10.95 Goodfield State Bank Goodfield Goodfield Financial Corporation 12/1/1914 4 28 Yes 129,173 2.08 15.89 Grand Ridge National Bank Grand Ridge Premier Commerce Bancorp, Inc. 4/6/1903 2 26 No 223,707 1.85 15.10 Grand Rivers Community Bank Grand Chain Main Street Bancshares, Inc. 1/1/1902 3 11 No 31,814 (1.80) (25.96) Granville National Bank Granville Granville Bancshares, Inc. 2/27/1934 2 15 No 88,723 0.67 5.76 Great Rivers Bank Barry FNB Barry Bancorp, Inc. 1/1/1901 4 30 Yes 132,233 0.50 3.74 Grundy Bank Morris Illinois Valley Bancorp, Inc. 6/3/1864 4 57 Yes 277,932 1.76 15.88 Guardian Savings Bank Granite City 12/1/1919 1 8 No 37,365 (1.45) (7.34) H. F. Gehant Banking Co. West Brooklyn H.F. Gehant Bancorp, Inc. 6/11/1897 2 12 Yes 58,448 0.92 5.84 Hartsburg State Bank Hartsburg 3/13/1901 1 3 No 16,160 0.95 7.41 Harvard State Bank Harvard Harvard Bancshares, Inc. 8/6/1866 5 54 Yes 254,470 0.49 4.67 Havana National Bank Havana Community Investment Group, Ltd. 3/30/1875 6 54 No 254,207 1.37 12.56 Heartland Bank and Trust Company Bloomington HBT Financial, Inc. 2/22/1971 58 669 Yes 2,818,116 1.59 13.60 Heritage Bank of Schaumburg Schaumburg Schaumburg Bancshares, Inc. 8/8/1974 1 17 Yes 137,036 0.89 6.45 Heritage State Bank Lawrenceville HBancorporation, Inc. 1/1/1899 3 11 Yes 82,200 (1.57) (14.36) Hickory Point Bank and Trust Decatur First Illinois Corporation 6/4/1979 11 144 No 639,622 1.14 10.76 Hill-Dodge Banking Company Warsaw Great River Bancshares, Inc. 12/3/1864 1 8 Yes 41,506 1.10 7.34 Hinsdale Bank & Trust Company Hinsdale Wintrust Financial Corporation 10/28/1993 18 176 No 2,659,294 1.48 11.29 Holcomb Bank Rochelle Holcomb Bancorp, Inc. 7/5/1892 4 54 Yes 187,766 0.59 5.75 Home State Bank, National Association Crystal Lake Home State Bancorp, Inc. 9/29/1915 7 168 Yes 603,667 0.74 5.85 Hometown National Bank LaSalle LaSalle Bancorp, Inc. 12/16/1880 3 45 No 218,932 1.00 8.68 Hoyne Savings Bank Chicago Hoyne Savings, MHC 1/1/1887 8 83 No 443,443 0.33 1.95 Illini State Bank Oglesby ISB Bancorp, Inc. 2/14/1914 3 18 Yes 125,486 0.74 4.67 Illinois Bank & Trust Rockford Heartland Financial USA, Inc. 10/16/1995 9 86 No 871,478 1.07 12.53 INB, National Association Springfield Illinois National Bancorp, Inc. 8/16/1886 13 268 Yes 1,185,272 0.71 7.70 Inland Bank and Trust Oak Brook Inland Bancorp, Inc. 4/1/1977 13 279 No 1,112,405 0.73 6.06 International Bank of Chicago Chicago IBC Bancorp, Inc. 10/26/1992 6 110 Yes 648,663 0.88 7.15 Ipava State Bank Ipava ISB Bancshares, Inc. 9/11/1902 6 34 Yes 142,482 1.21 13.88 Iroquois Farmers State Bank Iroquois S & H Holdings, Inc. 1/1/1919 6 24 Yes 113,303 0.73 7.79 Iroquois Federal Savings and Loan Association Watseka IF Bancorp, Inc. 5/3/1883 8 105 No 678,205 0.56 5.09
Source: S&P Global Market Intelligence 54 Illinois – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Itasca Bank & Trust Company Itasca Itasca Bancorp Inc. 1/1/1916 2 95 No 579,164 1.31 13.48 Iuka State Bank Salem Iuka Bancshares Inc 12/10/1910 4 20 No 97,572 1.13 11.68 Jersey State Bank Jerseyville JSB Bancorp, Inc. 1/28/1903 2 31 No 154,917 0.90 6.40 Kinmundy Bank Kinmundy South Central Bancorp, Inc. 2/2/1902 1 9 No 48,574 1.97 14.91 Lake Forest Bank & Trust Company, National Association Lake Forest Wintrust Financial Corporation 5/21/1986 9 505 No 4,296,635 2.18 20.29 Lakeside Bank Chicago Lakeside Bancorp, Inc. 4/1/1966 7 170 Yes 1,775,819 1.21 10.11 LaSalle State Bank La Salle LSBancorp, Inc. 8/21/1894 3 31 Yes 141,089 0.73 8.30 Leaders Bank Oak Brook Leaders Group, Inc. 5/3/2000 1 37 No 335,661 0.77 6.11 Legence Bank Eldorado First Eldorado Bancshares, Inc. 7/14/1906 14 148 Yes 477,198 1.11 9.97 Lemont National Bank Lemont Lemont Bancorp, Inc. 1/1/1901 5 16 No 51,892 0.34 4.86 Lena State Bank Lena Foresight Financial Group, Inc. 5/12/1867 1 11 No 89,929 1.82 15.25 Liberty Bank Liberty Liberty Bancorporation, Inc. 6/23/1903 4 26 No 101,240 1.21 9.75 Liberty Bank for Savings Chicago 1/1/1898 5 102 No 825,661 0.39 1.63 Libertyville Bank & Trust Company, National Association Libertyville Wintrust Financial Corporation 10/10/1995 8 99 No 1,684,632 1.45 14.51 LincolnWay Community Bank New Lenox LWCBancorp, Inc. 8/29/2005 2 34 No 225,194 1.15 9.76 Lisle Savings Bank Lisle 7/19/1917 3 60 No 505,730 1.32 5.64 Litchfield National Bank Litchfield Litchfield Bancshares Company 5/1/1907 3 31 No 107,303 0.84 9.66 Longview Bank Ogden Longview Capital Corporation 9/1/1899 7 42 No 207,404 1.16 12.27 Longview Bank & Trust Chrisman Longview Capital Corporation 8/11/1891 3 39 No 186,586 1.27 14.17 Loomis Federal Savings and Loan Association Chicago 1/1/1929 1 15 No 61,513 (0.43) (1.53) Marine Bank Springfield Marine Bancorp, Inc. 9/4/1970 12 201 Yes 630,735 0.89 8.08 Marquette Bank Orland Park Marquette National Corporation 5/12/1945 23 339 No 1,598,767 0.74 6.70 Marseilles Bank Marseilles Marseilles Bancorporation, Inc. 9/24/1945 2 9 Yes 63,549 0.74 7.67 Mason City National Bank Mason City Mason City Bancorp, Inc. 10/9/1944 1 10 Yes 71,539 1.07 6.14 McHenry Savings Bank McHenry McHenry Bancorp, Inc. 1/1/1955 3 51 No 230,251 (0.09) (0.88) Merchants and Manufacturers Bank Joliet Merchants and Manufacturers Bank Corporation 9/24/1969 5 42 No 283,490 0.89 10.98 Metropolitan Capital Bank & Trust Chicago Metropolitan Capital Bancorp, Inc. 1/25/2005 2 35 No 229,942 0.52 6.21 MidAmerica National Bank Canton MidAmerica National Bancshares, Inc. 11/28/1933 6 114 No 424,293 1.29 10.30 Middletown State Bank Middletown Barker Brothers, Inc. 6/5/1917 3 7 Yes 37,432 1.44 15.02 Midland Community Bank Kincaid Midland Bancshares, Inc. 3/29/1968 2 14 No 62,373 1.40 12.35 Midland Federal Savings and Loan Association Bridgeview Midland Capital Holdings Corp. 1/1/1914 4 30 No 115,745 0.03 0.35 Midland States Bank Effingham Midland States Bancorp, Inc. 1/1/1881 75 1,047 No 5,712,771 1.16 8.50 Midwest Bank Monmouth Western Illinois Bancshares Inc. 9/9/1870 10 135 No 522,253 0.92 7.53 Midwest Community Bank Freeport Freeport Bancshares, Inc. 1/1/1965 3 179 Yes 246,284 1.55 14.15 Milford Building and Loan Association, SB Milford 1/1/1883 1 4 No 30,141 0.33 3.73 Milledgeville State Bank Milledgeville Milledgeville Bancorp, Inc. 1/2/1942 1 14 Yes 148,605 0.99 8.87 Millennium Bank Des Plaines Millennium Bancorp, Inc. 7/2/2007 1 28 Yes 144,864 1.85 16.00 Morton Community Bank Morton Hometown Community Bancorp, Inc. 8/26/1961 39 414 Yes 3,870,859 1.14 10.70 Municipal Trust and Savings Bank Bourbonnais 10/2/1981 3 48 Yes 317,922 1.65 9.87 Murphy-Wall State Bank and Trust Company Pinckneyville Murphy-Wall Bancorp, Inc. 11/1/1874 4 43 No 128,520 0.70 5.85 Mutual Federal Bank (MHC) Chicago Mutual Federal Bancorp, MHC 1/1/1905 1 41 No 71,805 0.54 2.86 Nashville Savings Bank Nashville 1/1/1893 1 6 No 60,671 1.09 8.44 National Bank of St. Anne Saint Anne St. Anne Bancorp, Inc. 12/4/1948 1 20 No 74,758 0.97 7.73 Nokomis Savings Bank Nokomis 5/6/1881 1 7 No 28,742 0.17 0.98 North Adams State Bank Ursa North Adams Bancshares, Inc. 11/10/1980 2 13 No 38,456 0.86 5.74 North Central Bank Hennepin Putnam County Bancorp, Inc. 12/7/1946 2 25 Yes 124,888 0.86 6.29 North County Savings Bank Red Bud 1/1/1887 3 12 No 54,340 0.43 4.89 North Shore Trust and Savings Waukegan North Shore, MHC 1/1/1921 3 40 No 224,465 0.30 1.56 North Side Federal Savings and Loan Association of Chicago Chicago 1/1/1935 1 9 No 39,666 (0.11) (1.12) Northbrook Bank & Trust Company, National Association Northbrook Wintrust Financial Corporation 11/22/2000 8 94 No 2,872,636 1.65 16.36
Source: S&P Global Market Intelligence 55 Illinois – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Northern Trust Company Chicago Northern Trust Corporation 10/12/1889 57 19,371 No 123,824,257 1.27 15.45 Northside Community Bank Gurnee AliKat Investments, Inc. 7/7/1997 4 39 No 240,838 2.46 10.43 Northwest Bank of Rockford Rockford Foresight Financial Group, Inc. 4/21/1972 5 76 No 285,868 0.46 4.80 Oakdale State Bank Oakdale 12/28/1920 1 5 No 20,986 1.23 10.10 Old Exchange National Bank of Okawville Okawville Okawville Bancshares, Inc. 1/1/1910 1 13 Yes 68,469 0.98 8.65 Old Plank Trail Community Bank, National Association Mokena Wintrust Financial Corporation 3/16/2006 14 150 No 1,655,908 1.11 10.90 Old Second National Bank Aurora Old Second Bancorp, Inc. 11/21/1871 29 532 No 2,611,102 1.76 14.08 Ottawa Savings Bank Ottawa Ottawa Bancorp, Inc. 8/23/1871 3 64 No 304,040 0.69 4.46 Oxford Bank & Trust Oak Brook Oxford Financial Corporation 11/10/1902 8 113 Yes 583,189 0.89 9.34 Pacific Global Bank Chicago PGB Holdings, Inc. 11/9/1995 3 43 No 224,533 1.39 12.59 Pan American Bank & Trust Melrose Park American Bancorp of Illinois, Inc. 12/26/1995 6 57 Yes 378,607 0.56 6.32 Park Ridge Community Bank Park Ridge Community Bank Corporation 7/3/1995 1 25 Yes 320,589 1.76 12.72 Parkway Bank and Trust Company Harwood Heights Parkway Bancorp, Inc. 1/23/1964 32 322 No 2,620,907 1.12 9.99 PeopleFirst Bank Joliet 1/8/2007 2 29 No 138,482 1.10 9.30 Peoples Bank & Trust Pana People First Bancshares, Inc. 5/1/1954 11 76 No 429,232 1.26 12.65 Peoples Bank of Kankakee County Bourbonnais Romy Hammes, Inc. 6/29/1962 3 53 Yes 220,922 0.80 9.67 Peoples Bank of Macon Macon 5/11/1964 1 4 No 20,697 0.63 4.50 Peoples National Bank of Kewanee Kewanee Peoples Financial Corp. of Illinois, Inc. 3/1/1928 9 91 No 360,662 1.07 7.46 Peoples National Bank, N.A. Mount Vernon Market Street Bancshares, Inc. 3/1/1909 23 270 Yes 1,211,565 0.80 8.48 Peoples State Bank of Colfax Colfax Peoples Financial Corporation 6/1/1892 1 6 No 34,797 1.50 12.13 Peoples State Bank of Newton, Illinois Newton 1/1/1875 9 91 No 461,907 1.20 11.11 Peru Federal Savings Bank Peru 1/1/1887 2 24 No 150,695 0.58 4.29 Petefish, Skiles & Co. Virginia Petefish, Skiles Bancshares, Inc. 8/1/1870 3 43 Yes 198,143 1.10 8.23 Philo Exchange Bank Philo Yankee Ridge, Inc. 12/25/1883 4 17 Yes 97,417 0.95 7.91 Pioneer State Bank Earlville NBE Bancshares, Inc. 6/30/1901 4 24 No 107,660 (0.01) (0.07) Poplar Grove State Bank Poplar Grove 9/14/1946 2 12 Yes 86,458 1.32 5.00 Prairie Community Bank Marengo Marengo Bancshares, Inc. 4/2/1998 2 27 No 125,072 (0.33) (2.86) Prairie State Bank & Trust Springfield American Central Bancorporation, Inc. 1/1/1968 20 150 Yes 692,509 1.16 10.31 Preferred Bank Casey Preferred Bancorp, Inc. 7/19/1999 2 17 No 58,957 0.15 1.64 Princeville State Bank Princeville Main Street Bancorp, Inc. 4/17/1950 2 16 Yes 86,296 0.41 4.65 Prospect Bank Paris Edgar County Banc Shares, Inc. 3/23/1873 10 85 Yes 545,721 0.66 7.33 Providence Bank & Trust South Holland Providence Financial Corporation 9/20/2004 17 192 No 1,035,130 2.98 28.22 Pulaski Savings Bank Chicago 1/1/1890 1 8 No 48,960 (0.32) (4.42) Raritan State Bank Raritan Raritan State Bancorp, Inc. 1/1/1920 3 32 No 182,237 0.91 7.80 Republic Bank of Chicago Oak Brook Republic Bancorp Co. 12/1/1964 19 271 No 2,027,559 1.49 14.20 Resource Bank, National Association DeKalb Resource Bancshares, Inc. 10/1/1901 13 159 Yes 526,851 0.80 8.58 Reynolds State Bank Reynolds 12/25/1888 1 6 No 106,715 1.21 4.91 Rochester State Bank Rochester Rochester State Bankshares, Inc. 10/11/1912 1 13 Yes 95,110 0.53 5.45 Rockford Bank and Trust Company Rockford QCR Holdings, Inc. 1/3/2005 2 70 No 519,461 0.65 7.47 Royal Savings Bank Chicago Royal Financial, Inc. 1/1/1887 9 57 No 394,528 1.03 8.87 Rushville State Bank Rushville Rushville Bancshares, Inc. 1/4/1890 1 16 Yes 105,233 1.16 8.37 Sainte Marie State Bank Sainte Marie 1/2/1900 1 4 No 17,123 (0.69) (3.30) Sauk Valley Bank & Trust Company Sterling SV Financial, Inc. 7/9/1999 7 105 No 450,181 0.78 8.69 Savanna-Thomson State Bank Savanna Savanna-Thomson Investment, Inc. 12/25/1920 3 21 Yes 93,929 0.62 4.28 Schaumburg Bank & Trust Company, National Association Schaumburg Wintrust Financial Corporation 1/22/2001 8 67 No 1,219,958 1.15 10.86 Scott State Bank Bethany Scott Bancshares, Inc. 1/1/1887 7 48 Yes 162,935 0.71 4.85 Security Bank, s.b. Springfield 8/1/1906 3 37 No 196,347 2.05 20.47 Security National Bank Witt LBT Bancshares, Inc. 11/17/1932 4 23 No 81,604 0.57 5.31 Security Savings Bank Monmouth Security Bancorp, MHC 5/23/1882 2 39 No 198,426 0.59 5.35 SENB Bank Moline McLaughlin Holding Company 7/11/1961 7 74 Yes 297,376 0.77 8.28
Source: S&P Global Market Intelligence 56 Illinois – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Shelby County State Bank Shelbyville Shelby County Bancorp, Inc. 5/11/1895 6 52 Yes 257,423 1.04 10.73 Signature Bank Rosemont Signature Bancorporation, Inc. 8/4/2006 3 81 No 891,205 1.98 19.96 South Central Bank, National Association Chicago First Business Bancorp Co. 1/10/1966 5 41 Yes 292,161 0.08 0.95 South Porte Bank Marion South Porte Financial Inc. 11/19/1956 2 17 No 105,414 0.86 9.45 Southern Illinois Bank Johnston City 9/10/1999 5 28 No 117,144 1.01 8.20 SouthernTrust Bank Goreville SouthernTrust Bancshares, Inc 5/31/2005 2 16 No 56,041 0.57 6.03 Spring Valley City Bank Spring Valley Spring Valley Bancorp, Inc. 11/1/1905 2 32 No 189,744 0.95 6.47 St. Charles Bank & Trust Company Saint Charles Wintrust Financial Corporation 9/21/1987 11 75 No 1,273,072 0.83 7.32 State Bank Wonder Lake Wonder Bancorp, Inc. 10/22/1979 8 72 No 224,044 0.48 4.11 State Bank Freeport Foresight Financial Group, Inc. 5/24/1999 1 32 No 262,659 1.51 14.43 State Bank of Bement Bement Bement Bancshares, Inc. 1/9/1914 3 39 No 104,323 0.47 3.98 State Bank of Cerro Gordo Cerro Gordo Bement Bancshares, Inc. 5/24/1894 1 7 No 31,074 0.61 4.36 State Bank of Cherry Cherry Cherry Bancorporation, Inc. 5/6/1906 1 12 Yes 90,673 1.13 8.07 State Bank of Davis Davis Foresight Financial Group, Inc. 7/14/1928 1 15 No 161,243 1.38 12.03 State Bank of Geneva Geneva Geneva Bancshares, Inc. 1/1/1889 1 24 Yes 80,285 0.31 3.28 State Bank of Graymont Graymont Graymont Bancorp, Inc. 1/1/1913 3 40 No 211,812 1.03 8.46 State Bank of Herscher Herscher Foresight Financial Group, Inc. 5/20/1902 2 27 No 146,236 1.28 9.67 State Bank of Industry Industry 3/25/1901 1 8 Yes 51,494 0.90 6.33 State Bank of Lincoln Lincoln HBT Financial, Inc. 1/16/1904 6 81 Yes 344,730 1.03 10.10 State Bank of Nauvoo Nauvoo 1/17/1893 2 8 No 33,669 0.55 5.67 State Bank of Pearl City Pearl City Pearl City Bancorp, Inc. 12/8/1945 2 18 Yes 58,217 0.27 2.41 State Bank of Saunemin Saunemin 6/1/1911 2 7 Yes 35,240 0.59 5.29 State Bank of St. Jacob Saint Jacob St. Jacob Bancshares, Inc. 11/3/1903 2 10 Yes 65,080 0.93 5.76 State Bank of the Lakes, National Association Antioch Wintrust Financial Corporation 1/1/1926 9 90 No 1,321,022 0.91 6.81 State Bank of Toulon Toulon Stark County Bancorp, Inc. 6/20/1903 3 42 Yes 229,145 0.76 6.80 State Bank of Waterloo Waterloo SBW Bancshares, Inc. 1/4/1894 4 41 No 190,275 0.54 5.96 State Bank of Whittington Benton Whittington Bancorp, Inc. 8/5/1919 5 41 Yes 132,991 0.95 9.31 State Farm Bank, FSB Bloomington State Farm Mutual Automobile Insurance Company 3/12/1999 1 1,589 No 15,959,138 0.38 3.36 State Street Bank and Trust Company Quincy Backlund Investment Co. 1/1/1890 4 62 Yes 224,381 1.17 13.14 Sterling Federal Bank, F.S.B. Sterling 1/1/1885 10 112 No 454,001 (0.53) (5.89) Stillman BancCorp, N.A. Stillman Valley Stillman BancCorp, Inc. 6/9/1882 6 96 Yes 464,215 0.83 9.31 Streator Home Savings Bank Streator 1/1/1894 1 18 No 162,931 0.48 1.94 Table Grove State Bank Table Grove TG Bancshares, Inc. 3/5/1946 1 10 Yes 46,308 1.16 10.10 Tempo Bank Trenton Sugar Creek Financial Corp. 1/1/1889 2 17 No 94,936 0.11 0.93 Teutopolis State Bank Teutopolis Teutopolis Holding Company 1/1/1905 3 39 No 246,484 1.37 10.09 Texico State Bank Texico Texico Bancshares Corporation 1/1/1920 1 2 No 8,184 0.31 3.44 TNB Bank Tuscola TNB Bancorp, Inc. 12/25/1890 1 19 No 85,899 0.29 2.20 Tompkins State Bank Avon Tompkins Bancorp, Inc. 1/1/1884 4 45 Yes 217,230 0.66 6.28 Town and Country Bank Springfield Town and Country Financial Corporation 3/1/1962 11 187 No 826,124 1.02 10.13 Town and Country Bank Midwest Quincy T & C Bancorp, Inc. 1/1/1910 6 45 Yes 188,276 1.67 14.88 Town Center Bank New Lenox 9/18/2006 2 26 No 101,551 1.58 13.85 TrustBank Olney Rich Land Bancorp, Inc. 9/13/1912 6 67 Yes 234,083 1.24 11.22 Union Federal Savings and Loan Association Kewanee 1/1/1890 6 33 No 150,107 0.59 3.98 Union National Bank Elgin Elgin Bancshares, Inc. 5/4/1904 1 26 No 314,233 0.84 6.86 UNION Savings BANK Freeport Union Bancshares, MHC 1/1/1883 5 53 No 151,825 0.43 4.30 United Community Bank Chatham United Community Bancorp, Inc. 7/12/1965 46 602 No 2,601,097 1.18 12.83 United Trust Bank Palos Heights United Bancorp, Inc. 11/24/2000 1 13 No 26,262 (6.12) (43.68) Vermilion Valley Bank Piper City Piper Bankshares, Inc. 7/25/1913 5 21 Yes 130,693 1.49 8.85 Vermont State Bank Vermont 6/9/1947 1 10 No 29,932 (0.20) (2.13) Villa Grove State Bank Villa Grove Villa Grove Bancshares, Inc. 10/19/1919 2 18 Yes 72,229 1.10 9.55
Source: S&P Global Market Intelligence 57 Illinois – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Village Bank Saint Libory Village Bancshares, Inc 1/1/1920 3 14 Yes 89,244 0.77 8.16 Village Bank & Trust, National Association Arlington Heights Wintrust Financial Corporation 5/8/1995 10 106 No 1,754,822 1.33 12.08 Wabash Savings Bank Mount Carmel 1/1/1890 1 3 No 9,072 (0.68) (5.27) Warren-Boynton State Bank New Berlin WB Bancorp, Inc. 8/29/1877 4 34 No 174,206 1.19 8.66 Washington Savings Bank Effingham Washington Savings MHC 9/4/1883 3 61 No 398,968 0.59 3.46 Washington State Bank Washington R & B Management Corporation 1/17/1948 2 12 No 62,278 0.87 8.40 Waterman State Bank Waterman Waterman Bancshares, Inc. 8/1/1891 1 4 Yes 33,551 0.16 1.48 Wenona State Bank Wenona Wenona Bancorp, Inc. 1/1/1934 1 6 No 34,338 0.59 4.17 West Central Bank Ashland West Central Bancshares, Inc. 6/12/1933 6 53 Yes 182,037 0.68 6.52 West Suburban Bank Lombard West Suburban Bancorp, Inc. 4/27/1962 45 472 No 2,263,428 0.70 7.40 West Town Bank & Trust North Riverside West Town Bancorp, Inc. 1/1/1922 2 72 No 275,241 1.71 13.69 Wheaton Bank & Trust Company, National Association Wheaton Wintrust Financial Corporation 5/17/1993 7 99 No 1,984,708 1.29 10.59 Williamsville State Bank & Trust Williamsville WSB Financial Ltd. 12/25/1890 3 31 No 98,194 0.27 2.07 Wintrust Bank, National Association Chicago Wintrust Financial Corporation 9/14/1994 34 556 No 6,444,747 1.62 15.06
Source: S&P Global Market Intelligence 58 Illinois – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 BMO Harris Bank, National Association Chicago 11,448 572 105,369,232 184,212 242,734 9,204 12,128 138,843,929 2 Northern Trust Company Chicago 19,371 57 99,393,651 1,743,748 2,172,355 5,131 6,392 123,824,257 3 CIBC Bank USA Chicago 1,678 24 23,172,370 965,515 1,322,617 13,810 18,917 31,742,815 4 First Midwest Bank Chicago 2,112 120 13,640,378 113,670 149,325 6,459 8,484 17,919,012 5 State Farm Bank, FSB Bloomington 1,589 1 11,014,830 11,014,830 15,959,138 6,932 10,044 15,959,138 6 Busey Bank Champaign 1,257 86 6,381,073 74,199 90,741 5,076 6,208 7,803,711 7 Wintrust Bank, National Association Chicago 556 34 5,572,644 163,901 189,551 10,023 11,591 6,444,747 8 Midland States Bank Effingham 1,047 75 4,183,557 55,781 76,170 3,996 5,456 5,712,771 9 Byline Bank Chicago 1,004 65 4,088,250 62,896 83,584 4,072 5,411 5,432,970 10 First American Bank Elk Grove Village 735 59 3,421,138 57,985 76,202 4,655 6,117 4,495,916 11 Lake Forest Bank & Trust Company, National Association Lake Forest 505 9 3,416,604 379,623 477,404 6,766 8,508 4,296,635 12 Morton Community Bank Morton 414 39 3,021,460 77,473 99,253 7,298 9,350 3,870,859 13 First Mid Bank & Trust, National Association Mattoon 671 65 3,023,473 46,515 58,600 4,506 5,677 3,809,029 14 Northbrook Bank & Trust Company, National Association Northbrook 94 8 2,532,026 316,503 359,080 26,936 30,560 2,872,636 15 Heartland Bank and Trust Company Bloomington 669 58 2,401,146 41,399 48,588 3,589 4,212 2,818,116 16 Hinsdale Bank & Trust Company Hinsdale 176 18 2,216,177 123,121 147,739 12,592 15,110 2,659,294 17 Parkway Bank and Trust Company Harwood Heights 322 32 2,114,765 66,086 81,903 6,568 8,139 2,620,907 18 Old Second National Bank Aurora 532 29 2,086,762 71,957 90,038 3,922 4,908 2,611,102 19 Barrington Bank & Trust Company, National Association Barrington 1,026 7 2,003,090 286,156 372,011 1,952 2,538 2,604,075 20 United Community Bank Chatham 602 46 2,144,619 46,622 56,546 3,562 4,321 2,601,097 21 West Suburban Bank Lombard 472 45 2,031,133 45,136 50,298 4,303 4,795 2,263,428 22 Republic Bank of Chicago Oak Brook 271 19 1,689,313 88,911 106,714 6,234 7,482 2,027,559 23 Wheaton Bank & Trust Company, National Association Wheaton 99 7 1,661,058 237,294 283,530 16,778 20,048 1,984,708 24 Carrollton Bank Carrollton 258 13 1,701,722 130,902 147,679 6,596 7,441 1,919,832 25 Banterra Bank Eldorado 383 37 1,588,828 42,941 50,419 4,148 4,871 1,865,514 26 First Bank of Highland Park Highland Park 133 2 1,500,851 750,426 912,874 11,285 13,727 1,825,747 27 Lakeside Bank Chicago 170 7 1,442,343 206,049 253,688 8,484 10,446 1,775,819 28 Village Bank & Trust, National Association Arlington Heights 106 10 1,516,081 151,608 175,482 14,303 16,555 1,754,822 29 Libertyville Bank & Trust Company, National Association Libertyville 99 8 1,423,712 177,964 210,579 14,381 17,016 1,684,632 30 FCB Banks Collinsville 210 20 1,384,625 69,231 84,080 6,593 8,008 1,681,608 31 Old Plank Trail Community Bank, National Association Mokena 150 14 1,450,872 103,634 118,279 9,672 11,039 1,655,908 32 Marquette Bank Orland Park 339 23 1,351,416 58,757 69,512 3,986 4,716 1,598,767 33 Beverly Bank & Trust Company, National Association Chicago 156 8 1,369,778 171,222 198,175 8,781 10,163 1,585,403 34 BankFinancial, National Association Olympia Fields 223 20 1,305,268 65,263 74,471 5,853 6,679 1,489,425 35 Blackhawk Bank & Trust Milan 215 17 944,755 55,574 81,241 4,394 6,424 1,381,090 36 CNB Bank & Trust, N.A. Carlinville 286 19 1,120,724 58,985 69,548 3,919 4,620 1,321,421 37 State Bank of the Lakes, National Association Antioch 90 9 1,115,388 123,932 146,780 12,393 14,678 1,321,022 38 St. Charles Bank & Trust Company Saint Charles 75 11 1,071,058 97,369 115,734 14,281 16,974 1,273,072 39 Glenview State Bank Glenview 151 7 1,072,261 153,180 181,323 7,101 8,406 1,269,258 40 Schaumburg Bank & Trust Company, National Association Schaumburg 67 8 1,040,637 130,080 152,495 15,532 18,208 1,219,958 41 Peoples National Bank, N.A. Mount Vernon 270 23 1,020,954 44,389 52,677 3,781 4,487 1,211,565 42 INB, National Association Springfield 268 13 1,077,351 82,873 91,175 4,020 4,423 1,185,272 43 Crystal Lake Bank & Trust Company, National Association Crystal Lake 59 7 1,019,634 145,662 167,296 17,282 19,849 1,171,070 44 First State Bank Mendota 307 18 961,285 53,405 63,147 3,131 3,702 1,136,645 45 Inland Bank and Trust Oak Brook 279 13 961,669 73,975 85,570 3,447 3,987 1,112,405 46 Evergreen Bank Group Oak Brook 145 3 917,526 305,842 357,030 6,328 7,387 1,071,091 47 Bank of Springfield Springfield 276 13 892,324 68,640 81,157 3,233 3,823 1,055,036 48 Providence Bank & Trust South Holland 192 17 886,326 52,137 60,890 4,616 5,391 1,035,130 49 Central Bank Illinois Geneseo 165 10 715,680 71,568 91,988 4,337 5,575 919,878 50 First Bankers Trust Company, National Association Quincy 168 10 720,349 72,035 90,660 4,288 5,396 906,599
Source: S&P Global Market Intelligence 59 Illinois – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Metropolitan Capital Bank & Trust Chicago 229,942 9.54 (36.14) 1.55 (17.90) 69.31 1.62 6.23 2 Grand Ridge National Bank Grand Ridge 223,707 7.23 15.12 1.10 18.38 95.68 3.63 5.64 3 Legence Bank Eldorado 477,198 6.97 10.66 0.67 2.27 77.32 3.97 5.39 4 First Bank and Trust Company of Illinois Palatine 187,042 7.41 6.37 1.36 (0.29) 82.58 2.39 5.00 5 Kinmundy Bank Kinmundy 48,574 6.14 (2.15) 0.58 2.47 86.94 3.24 4.96 6 Oakdale State Bank Oakdale 20,986 5.67 (0.32) 0.31 4.45 85.69 4.30 4.78 7 Forest Park National Bank and Trust Company Forest Park 237,535 5.54 1.07 0.42 1.15 89.71 3.52 4.72 8 West Town Bank & Trust North Riverside 275,241 6.72 (10.24) 1.64 6.41 96.16 3.02 4.70 8 Farmers State Bank of Alto Pass, Ill. Harrisburg 234,753 5.91 15.73 0.79 11.83 92.81 2.96 4.70 10 Community Bank of Easton Easton 36,222 5.61 8.56 0.25 5.42 95.86 2.41 4.68 11 LincolnWay Community Bank New Lenox 225,194 6.93 17.74 1.45 10.72 88.48 2.56 4.64 12 Byline Bank Chicago 5,432,970 6.45 10.79 0.98 8.77 93.89 2.63 4.63 13 First Community Bank and Trust Beecher 156,244 6.03 9.63 0.24 5.91 62.68 2.58 4.62 14 Signature Bank Rosemont 891,205 5.90 9.15 0.51 12.52 85.19 3.07 4.57 15 Providence Bank & Trust South Holland 1,035,130 5.83 52.50 0.69 60.38 87.13 2.65 4.55 16 Heartland Bank and Trust Company Bloomington 2,818,116 5.54 1.64 0.25 (1.32) 84.66 2.91 4.54 17 Merchants and Manufacturers Bank Joliet 283,490 5.72 6.31 1.06 9.50 110.10 3.08 4.52 18 Central State Bank Clayton 144,220 5.93 4.88 1.35 5.11 113.13 3.36 4.51 18 Peoples National Bank of Kewanee Kewanee 360,662 5.27 (3.97) 0.45 (1.24) 48.90 4.47 4.51 20 First State Bank of Dongola Dongola 25,099 6.16 (3.59) 0.55 (2.09) 69.46 2.28 4.46 20 First National Bank of Sandoval Sandoval 53,731 6.10 21.16 0.82 12.78 83.85 3.14 4.46 22 Community First Bank of the Heartland Mount Vernon 203,408 5.60 5.71 0.86 6.81 91.02 2.98 4.45 22 Citizens Bank of Chatsworth Chatsworth 31,184 6.09 6.70 0.20 (1.10) 72.69 2.00 4.45 24 First State Bank of Beecher City Beecher City 72,663 6.23 (0.96) 1.22 4.03 97.33 2.17 4.41 25 First National Bank of Ava Ava 63,576 6.33 (2.56) 0.61 3.77 62.31 3.73 4.40 25 Iuka State Bank Salem 97,572 6.00 6.97 1.21 7.31 99.40 3.19 4.40 27 Evergreen Bank Group Oak Brook 1,071,091 6.68 6.68 1.80 5.62 95.34 2.89 4.37 28 Peoples Bank & Trust Pana 429,232 5.57 (5.94) 0.68 0.36 77.45 3.20 4.36 29 Fairview State Banking Company Fairview 28,885 5.94 (0.25) 0.74 (2.20) 77.79 2.53 4.34 30 Oxford Bank & Trust Oak Brook 583,189 6.01 10.82 0.69 9.23 78.13 2.98 4.33 31 Grundy Bank Morris 277,932 5.46 1.76 0.10 (11.36) 71.62 2.10 4.32 32 State Bank of Whittington Benton 132,991 5.82 9.23 0.22 0.93 68.20 2.65 4.31 33 Heritage State Bank Lawrenceville 82,200 5.72 (15.43) 1.15 (11.22) 97.76 NA 4.30 33 Farmers National Bank of Griggsville Griggsville 91,258 5.57 (3.70) 1.13 (1.54) 92.23 3.63 4.30 35 Mutual Federal Bank (MHC) Chicago 71,805 5.88 (2.55) 0.86 (7.27) 102.92 2.38 4.29 36 Buena Vista National Bank Chester 207,566 6.12 3.99 0.53 6.59 66.20 2.80 4.27 36 Town and Country Bank Midwest Quincy 188,276 5.66 2.25 0.54 13.04 76.44 2.20 4.27 38 Burling Bank Chicago 132,299 5.63 3.27 0.54 3.38 84.23 2.40 4.24 39 CenTrust Bank, National Association Northbrook 125,844 6.63 8.06 1.76 (0.38) 88.81 2.65 4.23 40 Peoples State Bank of Colfax Colfax 34,797 5.75 0.03 0.47 2.94 66.51 3.35 4.21 41 Itasca Bank & Trust Company Itasca 579,164 5.52 (1.83) 0.46 10.06 76.05 2.36 4.20 41 First National Bank of Ottawa Ottawa 378,859 5.20 28.35 0.41 11.89 99.17 3.28 4.20 43 State Bank of Nauvoo Nauvoo 33,669 5.39 3.40 0.44 13.99 68.42 100.00 4.16 43 Millennium Bank Des Plaines 144,864 6.42 31.16 1.88 56.68 93.59 NA 4.16 45 First National Bank of Lacon Lacon 59,916 5.05 4.37 0.40 (7.52) 86.57 2.19 4.15 46 National Bank of St. Anne Saint Anne 74,758 5.75 21.04 0.89 38.47 80.72 1.93 4.14 46 Catlin Bank Catlin 63,196 5.96 4.37 0.70 6.62 71.67 2.49 4.14 46 Northside Community Bank Gurnee 240,838 4.92 7.03 0.63 11.60 106.78 3.45 4.14 46 Liberty Bank Liberty 101,240 5.22 5.08 0.48 9.59 78.73 2.96 4.14 50 First National Bank of Beardstown Beardstown 128,799 5.51 0.90 0.41 8.35 74.28 2.47 4.13
Source: S&P Global Market Intelligence 60 Illinois – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Federal Savings Bank Chicago 756,162 39,873 0.02 51.84 0.46 0.00 258,162 52.32 2 Allied First Bank,sb Oswego 103,594 2,572 0.08 2.06 0.00 0.01 44,955 50.37 3 Midwest Community Bank Freeport 246,284 4,927 0.09 7.83 0.21 0.00 22,643 9.49 4 Flanagan State Bank Flanagan 187,732 2,914 0.14 7.43 0.20 0.01 17,362 9.33 5 Barrington Bank & Trust Company, National Association Barrington 2,604,075 28,602 0.11 4.11 1.13 (0.02) 144,081 6.76 6 Northern Trust Company Chicago 123,824,257 1,501,241 0.05 0.01 0.00 0.00 4,245,917 3.60 7 Mutual Federal Bank (MHC) Chicago 71,805 388 0.01 2.48 0.00 0.06 2,433 3.36 8 West Town Bank & Trust North Riverside 275,241 4,601 0.03 2.75 (0.45) (0.02) 8,508 3.17 9 Millennium Bank Des Plaines 144,864 3,118 0.18 2.22 0.50 (0.06) 3,931 3.11 10 Providence Bank & Trust South Holland 1,035,130 28,289 0.13 0.14 0.03 0.00 29,196 3.07 11 Lake Forest Bank & Trust Company, National Association Lake Forest 4,296,635 86,757 0.09 1.06 0.82 0.00 102,310 2.57 12 Amalgamated Bank of Chicago Chicago 891,140 7,369 0.23 0.00 0.00 0.01 19,285 2.37 13 Goodfield State Bank Goodfield 129,173 3,395 0.08 0.44 1.01 0.00 2,615 2.13 14 First Federal Savings Bank of Champaign-Urbana Champaign 167,658 1,800 0.34 0.21 0.08 0.05 3,578 2.10 15 CenTrust Bank, National Association Northbrook 125,844 1,371 0.18 1.61 0.00 (0.20) 2,303 1.83 15 Devon Bank Chicago 288,837 1,239 0.12 0.78 0.17 0.00 5,306 1.83 17 TrustBank Olney 234,083 3,966 0.21 0.03 0.03 0.00 4,394 1.82 18 Inland Bank and Trust Oak Brook 1,112,405 8,101 0.06 1.27 0.00 0.02 19,192 1.73 19 Catlin Bank Catlin 63,196 576 0.17 0.63 0.23 0.00 914 1.55 20 Home State Bank, National Association Crystal Lake 603,667 5,855 0.38 0.69 0.20 (0.17) 8,977 1.52 21 Bank of Springfield Springfield 1,055,036 5,982 0.11 0.58 0.14 0.00 15,186 1.49 22 Busey Bank Champaign 7,803,711 111,417 0.19 0.07 0.03 0.00 114,793 1.48 23 Beverly Bank & Trust Company, National Association Chicago 1,585,403 16,735 0.11 0.00 0.64 0.00 20,652 1.46 24 First State Bank Mendota 1,136,645 9,265 0.12 0.92 0.09 0.01 15,950 1.44 24 Farmers & Mechanics Bank Galesburg 369,674 3,823 0.22 0.23 0.11 0.00 5,405 1.44 26 West Central Bank Ashland 182,037 1,675 0.32 0.00 0.13 (0.02) 2,576 1.41 27 Resource Bank, National Association DeKalb 526,851 5,218 0.28 0.11 0.00 0.00 6,616 1.35 28 First Federal S&L Association of Central Illinois, S.B. Shelbyville 128,471 819 0.12 0.21 0.13 (0.02) 1,684 1.34 29 Wintrust Bank, National Association Chicago 6,444,747 95,318 0.16 (0.02) 0.00 (0.01) 78,395 1.33 30 Marine Bank Springfield 630,735 7,675 0.21 0.29 0.31 0.00 8,545 1.32 31 CIBM Bank Champaign 692,392 3,766 0.05 1.01 0.02 0.00 9,120 1.30 31 Midland States Bank Effingham 5,712,771 65,129 0.20 0.04 0.08 0.00 73,154 1.30 33 First State Bank of Bloomington Bloomington 121,525 1,380 0.29 0.14 0.11 (0.01) 1,498 1.29 33 State Bank of Lincoln Lincoln 344,730 4,909 0.23 0.41 0.15 0.07 4,625 1.29 35 Byron Bank Byron 275,837 3,540 0.08 0.24 0.17 0.03 3,326 1.28 36 Town and Country Bank Springfield 826,124 8,105 0.21 0.37 0.32 (0.04) 9,864 1.24 37 State Street Bank and Trust Company Quincy 224,381 3,477 0.16 0.00 0.13 0.00 2,692 1.21 38 INB, National Association Springfield 1,185,272 9,758 0.21 0.41 0.04 (0.01) 12,371 1.19 39 Hickory Point Bank and Trust Decatur 639,622 7,154 0.06 0.08 0.08 0.00 7,370 1.17 39 First National Bank of Ottawa Ottawa 378,859 2,671 0.14 0.25 0.19 (0.04) 3,719 1.17 41 Farmers and Merchants State Bank of Bushnell Bushnell 69,490 690 0.14 0.00 0.00 0.00 804 1.16 41 First National Bank of Sparta Sparta 78,758 1,272 0.24 0.00 0.00 (0.04) 923 1.16 43 First Community Bank and Trust Beecher 156,244 1,934 0.31 0.05 0.00 (0.03) 1,672 1.14 44 Better Banks Peoria 290,313 2,527 0.17 0.00 0.07 0.00 3,315 1.13 45 Stillman BancCorp, N.A. Stillman Valley 464,215 4,917 0.19 0.20 0.18 0.00 4,929 1.11 45 First Robinson Savings Bank, National Association Robinson 338,010 3,180 0.36 0.17 0.15 0.00 3,625 1.11 47 BankChampaign, National Association Champaign 224,718 3,134 0.06 0.14 0.00 0.00 2,454 1.09 47 Petefish, Skiles & Co. Virginia 198,143 2,758 0.16 0.56 0.18 (0.01) 2,066 1.09 47 Old Second National Bank Aurora 2,611,102 46,093 0.30 0.03 (0.08) (0.01) 28,417 1.09 50 First Savings Bank Danville 36,376 (71) 0.01 0.41 0.16 0.00 383 1.08
Source: S&P Global Market Intelligence 61 Illinois – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Reynolds State Bank Reynolds 106,715 32.08 6 1 0.51 0.03 0.29 0.83 2 Community Bank of Easton Easton 36,222 20.25 4 1 0.71 0.08 0.18 0.97 3 Germantown Trust & Savings Bank Breese 394,113 35.44 42 4 0.80 0.08 0.23 1.11 4 Farmers National Bank Prophetstown 726,119 35.96 49 3 0.74 0.07 0.43 1.25 5 Middletown State Bank Middletown 37,432 38.65 7 3 0.63 0.13 0.51 1.27 6 Fairfield National Bank Fairfield 551,260 45.87 59 3 0.69 0.13 0.51 1.33 7 Community Bank Winslow 217,335 48.26 20 4 0.82 0.14 0.44 1.40 8 Municipal Trust and Savings Bank Bourbonnais 317,922 38.10 48 3 0.87 0.16 0.37 1.41 9 Anderson State Bank Oneida 89,610 54.87 8 1 0.86 0.17 0.38 1.41 10 Crystal Lake Bank & Trust Company, National Association Crystal Lake 1,171,070 41.33 59 7 0.63 0.16 0.67 1.46 11 Parkway Bank and Trust Company Harwood Heights 2,620,907 49.58 322 32 0.85 0.25 0.39 1.48 12 CIBC Bank USA Chicago 31,742,815 41.99 1,678 24 0.99 0.11 0.37 1.48 13 State Bank of Davis Davis 161,243 45.08 15 1 0.70 0.10 0.70 1.50 14 Libertyville Bank & Trust Company, National Association Libertyville 1,684,632 43.38 99 8 0.76 0.15 0.59 1.50 15 Citizens Community Bank Mascoutah 399,361 48.47 48 4 1.00 0.10 0.41 1.51 16 Morton Community Bank Morton 3,870,859 46.35 414 39 0.94 0.16 0.42 1.52 17 Northbrook Bank & Trust Company, National Association Northbrook 2,872,636 39.54 94 8 0.66 0.39 0.51 1.55 18 Bank of O'Fallon O'Fallon 311,657 51.57 32 2 0.90 0.13 0.53 1.56 19 Wheaton Bank & Trust Company, National Association Wheaton 1,984,708 42.58 99 7 0.72 0.24 0.61 1.56 20 Crossroads Bank Effingham 175,642 46.19 23 2 0.78 0.19 0.60 1.57 21 First Trust and Savings Bank of Watseka Watseka 255,964 45.27 32 2 0.93 0.15 0.50 1.57 22 Blackhawk Bank & Trust Milan 1,381,090 49.65 215 17 1.05 0.16 0.38 1.59 23 Vermilion Valley Bank Piper City 130,693 42.71 21 5 0.97 0.16 0.48 1.61 24 Teutopolis State Bank Teutopolis 246,484 45.18 39 3 0.95 0.12 0.54 1.61 25 Streator Home Savings Bank Streator 162,931 75.58 18 1 0.96 0.14 0.51 1.61 26 Park Ridge Community Bank Park Ridge 320,589 38.77 25 1 1.05 0.14 0.46 1.65 27 First Eagle Bank Chicago 528,748 39.47 42 2 1.11 0.22 0.33 1.65 28 Village Bank & Trust, National Association Arlington Heights 1,754,822 45.13 106 10 0.83 0.22 0.62 1.66 29 Milledgeville State Bank Milledgeville 148,605 49.79 14 1 0.88 0.20 0.59 1.67 30 Mason City National Bank Mason City 71,539 53.20 10 1 1.03 0.27 0.37 1.68 31 Union National Bank Elgin 314,233 61.79 26 1 0.94 0.12 0.62 1.68 32 Lisle Savings Bank Lisle 505,730 52.85 60 3 0.97 0.15 0.57 1.69 33 Farmers State Bank of Emden Emden 35,019 62.79 6 1 1.10 0.23 0.39 1.72 34 First Nations Bank Chicago 358,961 51.84 39 3 1.07 0.22 0.44 1.73 35 First Bank of Highland Park Highland Park 1,825,747 66.00 133 2 1.12 0.12 0.50 1.74 36 State Bank Freeport 262,659 45.59 32 1 1.06 0.09 0.61 1.75 37 First National Bank in Taylorville Taylorville 195,680 49.60 29 2 1.07 0.25 0.43 1.75 38 Belmont Bank & Trust Company Chicago 533,573 44.88 37 3 0.88 0.22 0.66 1.76 39 First Trust Bank of Illinois Kankakee 233,546 55.53 31 4 1.08 0.19 0.52 1.79 40 State Bank of the Lakes, National Association Antioch 1,321,022 53.64 90 9 0.76 0.25 0.81 1.82 41 First State Bank of St. Peter Saint Peter 28,640 47.05 5 1 0.92 0.35 0.55 1.82 42 St. Charles Bank & Trust Company Saint Charles 1,273,072 54.64 75 11 0.89 0.20 0.73 1.82 43 City National Bank of Metropolis Metropolis 388,746 60.92 49 2 1.03 0.18 0.61 1.83 44 Milford Building and Loan Association, SB Milford 30,141 74.56 4 1 1.07 0.13 0.64 1.83 45 Bank of Rantoul Rantoul 231,029 46.94 37 3 1.14 0.17 0.52 1.84 46 Farmers & Merchants Bank of Hutsonville Hutsonville 45,591 55.30 6 1 1.30 0.08 0.46 1.84 47 Albany Bank and Trust Company, National Association Chicago 610,338 52.95 67 4 1.11 0.25 0.48 1.84 48 Schaumburg Bank & Trust Company, National Association Schaumburg 1,219,958 53.19 67 8 0.82 0.31 0.71 1.85 49 Hinsdale Bank & Trust Company Hinsdale 2,659,294 46.24 176 18 0.94 0.26 0.65 1.85 50 Lena State Bank Lena 89,929 45.83 11 1 0.81 0.13 0.94 1.87
Source: S&P Global Market Intelligence 62 Illinois – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Northside Community Bank Gurnee 240,838 191,057 2.02 0.00 0.00 0.00 (2.39) (2.39) 2 Reynolds State Bank Reynolds 106,715 14,266 1.95 0.01 0.13 0.00 (0.78) (0.64) 3 Buckley State Bank Buckley 41,734 25,371 0.77 0.00 0.00 0.00 (0.07) (0.07) 4 Arcola First Bank Arcola 111,005 18,693 3.54 0.00 0.00 0.00 0.00 0.00 4 Burling Bank Chicago 132,299 97,620 1.34 0.00 0.00 0.00 0.00 0.00 4 Community Bank of Easton Easton 36,222 27,625 0.20 0.00 0.00 0.00 0.00 0.00 4 Merchants and Manufacturers Bank Joliet 283,490 247,429 1.13 0.00 0.00 0.00 0.00 0.00 4 Lemont National Bank Lemont 51,892 6,711 0.54 0.00 0.00 0.00 0.00 0.00 9 State Bank of Saunemin Saunemin 35,240 20,217 2.16 0.00 0.00 0.00 0.01 0.01 10 Bank of Belleville Belleville 225,988 154,522 0.96 0.00 0.02 0.00 0.01 0.03 11 First National Bank of Okawville Okawville 59,846 24,475 0.74 0.00 0.00 0.00 0.03 0.03 12 Bank of Bourbonnais Bourbonnais 68,071 52,104 2.21 0.03 0.00 0.00 0.04 0.07 13 Shelby County State Bank Shelbyville 257,423 197,221 0.87 0.01 0.00 0.08 0.00 0.10 14 Peoples Bank of Macon Macon 20,697 7,869 1.02 0.25 0.00 0.00 (0.15) 0.10 15 First Farmers State Bank Minier 172,135 126,087 0.76 0.12 0.00 0.00 (0.01) 0.11 16 First FSB of Mascoutah Mascoutah 108,960 68,731 0.77 0.09 0.00 0.00 0.05 0.14 17 Glenview State Bank Glenview 1,269,258 485,434 1.84 0.02 0.06 0.03 0.02 0.14 18 Farmers and Merchants State Bank of Bushnell Bushnell 69,490 34,016 0.83 0.09 0.00 0.01 0.05 0.15 19 Signature Bank Rosemont 891,205 670,378 1.11 0.12 0.00 0.12 (0.09) 0.15 20 Farmers & Merchants Bank of Hutsonville Hutsonville 45,591 26,844 0.31 0.17 0.00 0.00 0.00 0.17 21 Federated Bank Onarga 97,078 35,165 0.92 0.15 0.00 0.00 0.03 0.18 22 Teutopolis State Bank Teutopolis 246,484 148,003 0.97 0.20 0.00 0.00 0.00 0.20 23 Citizens First State Bank of Walnut Walnut 47,286 25,717 1.23 0.29 0.00 0.63 (0.72) 0.20 24 First Eagle Bank Chicago 528,748 378,364 1.91 0.03 0.00 0.17 0.02 0.22 25 Vermilion Valley Bank Piper City 130,693 95,230 1.21 0.14 0.03 0.04 0.02 0.23 26 Nashville Savings Bank Nashville 60,671 46,193 0.99 0.22 0.00 0.00 0.02 0.24 27 Carrollton Bank Carrollton 1,919,832 1,503,582 1.41 0.04 0.00 0.16 0.06 0.26 28 Frederick Community Bank Cissna Park 140,458 70,231 0.94 0.18 0.00 0.08 0.01 0.27 29 First Nations Bank Chicago 358,961 301,707 2.44 0.21 0.00 0.00 0.07 0.28 30 Collinsville Building and Loan Association Collinsville 120,875 88,068 0.83 0.20 0.00 0.06 0.02 0.28 31 Peoples State Bank of Colfax Colfax 34,797 20,131 0.50 0.31 0.00 0.00 0.01 0.32 32 Anderson State Bank Oneida 89,610 28,196 0.87 0.30 0.00 0.00 0.03 0.33 33 First National Bank in Carlyle Carlyle 196,892 118,483 0.99 0.27 0.00 0.10 0.00 0.37 34 Albany Bank and Trust Company, National Association Chicago 610,338 440,805 1.14 0.03 0.00 0.38 (0.01) 0.39 35 Chester National Bank Chester 61,361 44,699 0.94 0.41 0.00 0.00 0.00 0.41 36 First National Bank of Litchfield Litchfield 96,696 79,832 1.56 0.19 0.17 0.08 0.00 0.44 37 Illinois Bank & Trust Rockford 871,478 526,598 0.91 0.10 0.00 0.33 0.01 0.44 38 Lena State Bank Lena 89,929 57,528 2.35 0.00 0.06 0.40 0.00 0.46 39 Hickory Point Bank and Trust Decatur 639,622 446,152 1.02 0.06 0.00 0.40 0.00 0.46 40 Federal Savings Bank Chicago 756,162 661,549 0.17 0.21 0.00 0.85 (0.58) 0.48 41 First Savings Bank of Hegewisch Chicago 673,155 332,870 0.49 0.02 0.00 0.35 0.11 0.48 42 First National Bank of Lacon Lacon 59,916 45,753 1.30 0.45 0.00 0.07 (0.02) 0.50 43 Anchor State Bank Anchor 16,259 8,889 0.78 0.51 0.00 0.00 0.00 0.51 44 First National Bank in Amboy Amboy 206,310 103,111 1.41 0.00 0.00 0.45 0.07 0.52 45 Longview Bank & Trust Chrisman 186,586 131,619 0.90 0.08 0.00 0.54 (0.06) 0.56 46 Community Banks of Shelby County Cowden 46,437 25,276 1.05 0.39 0.00 0.17 0.01 0.57 47 Apple River State Bank Apple River 360,488 206,680 0.95 0.15 0.05 0.38 0.03 0.61 48 Hartsburg State Bank Hartsburg 16,160 8,277 3.07 1.09 0.00 0.00 (0.44) 0.65 49 State Bank of Lincoln Lincoln 344,730 145,720 1.52 0.16 0.00 0.48 0.01 0.65 50 Grand Ridge National Bank Grand Ridge 223,707 187,187 0.55 0.53 0.00 0.11 0.02 0.66
Source: S&P Global Market Intelligence 63 Illinois – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Federal Savings Bank Chicago 756,162 39,873 1,090 37 3,640 18,624 8.08 45.85 2 Providence Bank & Trust South Holland 1,035,130 28,289 192 147 5,280 4,429 2.98 28.22 3 Allied First Bank,sb Oswego 103,594 2,572 254 10 (958) 2,167 2.88 24.96 4 First Secure Bank and Trust Co. Palos Hills 169,404 3,864 31 125 1,716 370 2.58 22.57 5 Security Bank, s.b. Springfield 196,347 3,112 37 84 602 14 2.05 20.47 6 Lake Forest Bank & Trust Company, National Association Lake Forest 4,296,635 86,757 505 172 75,390 60,417 2.18 20.29 7 Signature Bank Rosemont 891,205 16,710 81 206 12,640 8,135 1.98 19.96 8 Northbrook Bank & Trust Company, National Association Northbrook 2,872,636 41,628 94 443 31,156 26,931 1.65 16.36 9 First National Bank and Trust Company Clinton 192,948 2,567 26 99 3,205 734 1.42 16.15 10 Millennium Bank Des Plaines 144,864 3,118 28 111 2,631 1,972 1.85 16.00 11 Goodfield State Bank Goodfield 129,173 3,395 28 121 2,644 2,303 2.08 15.89 12 Grundy Bank Morris 277,932 6,463 57 113 5,837 5,581 1.76 15.88 13 Crystal Lake Bank & Trust Company, National Association Crystal Lake 1,171,070 16,361 59 277 11,166 8,557 1.48 15.53 14 Northern Trust Company Chicago 123,824,257 1,501,241 19,371 77 1,485,431 1,075,645 1.27 15.45 15 Lena State Bank Lena 89,929 1,605 11 146 997 1,057 1.82 15.25 16 Grand Ridge National Bank Grand Ridge 223,707 3,797 26 146 3,069 2,251 1.85 15.10 17 Wintrust Bank, National Association Chicago 6,444,747 95,318 556 171 75,673 47,447 1.62 15.06 18 Middletown State Bank Middletown 37,432 710 7 101 695 606 1.44 15.02 19 Kinmundy Bank Kinmundy 48,574 939 9 104 977 747 1.97 14.91 20 Town and Country Bank Midwest Quincy 188,276 4,054 45 90 3,608 3,487 1.67 14.88 21 Libertyville Bank & Trust Company, National Association Libertyville 1,684,632 22,716 99 229 16,636 11,071 1.45 14.51 22 Community First Bank of the Heartland Mount Vernon 203,408 3,501 46 76 2,920 2,836 1.34 14.50 23 State Bank Freeport 262,659 3,998 32 125 3,323 3,138 1.51 14.43 24 Republic Bank of Chicago Oak Brook 2,027,559 29,569 271 109 2,816 33,264 1.49 14.20 25 Longview Bank & Trust Chrisman 186,586 2,223 39 57 1,761 931 1.27 14.17 26 Midwest Community Bank Freeport 246,284 4,927 179 28 2,390 2,534 1.55 14.15 27 Old Second National Bank Aurora 2,611,102 46,093 532 87 33,860 27,129 1.76 14.08 28 Ipava State Bank Ipava 142,482 2,269 34 67 1,779 1,572 1.21 13.88 29 Town Center Bank New Lenox 101,551 1,606 26 62 320 269 1.58 13.85 30 Community Bank of Easton Easton 36,222 974 4 244 816 611 2.74 13.76 31 West Town Bank & Trust North Riverside 275,241 4,601 72 64 6,466 1,973 1.71 13.69 32 Heartland Bank and Trust Company Bloomington 2,818,116 60,740 669 91 60,195 57,514 1.59 13.60 33 Belmont Bank & Trust Company Chicago 533,573 6,718 37 182 6,034 5,750 1.37 13.54 34 Central Bank Illinois Geneseo 919,878 13,824 165 84 12,291 8,540 1.55 13.49 35 Itasca Bank & Trust Company Itasca 579,164 7,188 95 76 6,132 5,113 1.31 13.48 36 State Street Bank and Trust Company Quincy 224,381 3,477 62 56 3,033 1,895 1.17 13.14 37 Evergreen Bank Group Oak Brook 1,071,091 14,111 145 97 8,266 8,021 1.37 13.08 38 United Community Bank Chatham 2,601,097 27,192 602 45 18,868 26,114 1.18 12.83 39 Farmers State Bank & Trust Company Mount Sterling 97,011 1,063 16 66 934 697 1.15 12.74 40 Park Ridge Community Bank Park Ridge 320,589 7,439 25 298 7,321 7,323 1.76 12.72 41 Peoples Bank & Trust Pana 429,232 5,155 76 68 6,705 6,662 1.26 12.65 42 Pacific Global Bank Chicago 224,533 2,982 43 69 2,662 2,071 1.39 12.59 43 First State Bank Monticello 271,849 3,825 66 58 3,338 3,144 1.07 12.57 44 Havana National Bank Havana 254,207 3,392 54 63 2,648 2,514 1.37 12.56 45 Illinois Bank & Trust Rockford 871,478 8,786 86 102 8,346 8,178 1.07 12.53 46 Midland Community Bank Kincaid 62,373 793 14 57 764 629 1.40 12.35 47 Longview Bank Ogden 207,404 2,273 42 54 2,240 2,116 1.16 12.27 48 Banterra Bank Eldorado 1,865,514 26,437 383 69 25,121 22,721 1.10 12.14 49 Peoples State Bank of Colfax Colfax 34,797 505 6 84 477 379 1.50 12.13 50 Village Bank & Trust, National Association Arlington Heights 1,754,822 21,457 106 202 16,188 12,960 1.33 12.08
Source: S&P Global Market Intelligence 64 Illinois – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Signature Bank Rosemont 891,205 14 143 114 19 7 59.4 2 Community Bank of Easton Easton 36,222 10 290 2 4 30 67.2 3 Kinmundy Bank Kinmundy 48,574 5 136 106 190 19 91.2 4 Goodfield State Bank Goodfield 129,173 75 13 272 106 11 95.4 5 First Eagle Bank Chicago 528,748 81 277 27 24 70 95.8 6 Lena State Bank Lena 89,929 323 60 50 38 15 97.2 7 Northbrook Bank & Trust Company, National Association Northbrook 2,872,636 222 143 17 97 8 97.4 8 Peoples State Bank of Colfax Colfax 34,797 40 194 180 31 49 98.8 9 Wintrust Bank, National Association Chicago 6,444,747 174 29 163 116 17 99.8 10 Old Second National Bank Aurora 2,611,102 50 47 257 138 27 103.8 11 Longview Bank & Trust Chrisman 186,586 160 194 103 45 25 105.4 11 Ipava State Bank Ipava 142,482 50 78 293 78 28 105.4 13 Lake Forest Bank & Trust Company, National Association Lake Forest 4,296,635 110 11 212 189 6 105.6 14 Town and Country Bank Midwest Quincy 188,276 36 70 193 212 20 106.2 15 Providence Bank & Trust South Holland 1,035,130 15 10 392 126 2 109.0 16 First Farmers State Bank Minier 172,135 171 96 175 15 90 109.4 17 Heartland Bank and Trust Company Bloomington 2,818,116 16 73 256 175 32 110.4 18 Grundy Bank Morris 277,932 31 63 215 232 12 110.6 19 Midland Community Bank Kincaid 62,373 231 78 151 55 46 112.2 20 First Midwest Bank Chicago 17,919,012 70 78 164 143 111 113.2 21 State Street Bank and Trust Company Quincy 224,381 89 37 344 62 36 113.6 22 Pacific Global Bank Chicago 224,533 104 141 223 69 42 115.8 23 Burling Bank Chicago 132,299 38 194 282 4 65 116.6 24 Hinsdale Bank & Trust Company Hinsdale 2,659,294 156 151 49 166 63 117.0 25 Community First Bank of the Heartland Mount Vernon 203,408 22 77 292 184 22 119.4 26 Farmers State Bank & Trust Company Mount Sterling 97,011 96 177 171 121 39 120.8 27 Banterra Bank Eldorado 1,865,514 231 114 134 84 48 122.2 28 First Mid Bank & Trust, National Association Mattoon 3,809,029 104 136 116 140 123 123.8 29 Busey Bank Champaign 7,803,711 219 22 191 81 108 124.2 29 Itasca Bank & Trust Company Itasca 579,164 41 194 226 125 35 124.2 31 Northside Community Bank Gurnee 240,838 46 308 176 1 91 124.4 32 Evergreen Bank Group Oak Brook 1,071,091 27 325 104 132 37 125.0 33 Village Bank & Trust, National Association Arlington Heights 1,754,822 237 212 28 101 50 125.6 34 Prairie State Bank & Trust Springfield 692,509 131 126 211 68 93 125.8 35 Illinois Bank & Trust Rockford 871,478 213 63 273 37 45 126.2 36 Belmont Bank & Trust Company Chicago 533,573 131 308 38 123 33 126.6 37 Republic Bank of Chicago Oak Brook 2,027,559 89 63 166 293 24 127.0 38 Central Bank Illinois Geneseo 919,878 131 126 96 250 34 127.4 38 Fisher National Bank Fisher 127,820 79 73 235 172 78 127.4 40 Citizens Bank of Edinburg Edinburg 26,079 99 284 69 139 55 129.2 41 Park Ridge Community Bank Park Ridge 320,589 60 367 26 156 40 129.8 42 BankFinancial, National Association Olympia Fields 1,489,425 171 133 188 53 106 130.2 42 Frederick Community Bank Cissna Park 140,458 305 133 109 28 76 130.2 44 Gold Coast Bank Chicago 378,983 79 59 241 200 73 130.4 45 State Bank Freeport 262,659 235 227 36 145 23 133.2 46 TrustBank Olney 234,083 54 17 387 147 64 133.8 46 Teutopolis State Bank Teutopolis 246,484 275 244 24 22 104 133.8 46 Peoples State Bank of Newton, Illinois Newton 461,907 188 126 75 211 69 133.8 46 Shelby County State Bank Shelbyville 257,423 188 205 182 13 81 133.8 50 Hickory Point Bank and Trust Decatur 639,622 213 39 301 39 80 134.4
Source: S&P Global Market Intelligence 65 Rank The Banks Indiana – 2019 Q3 IndianaIndiana - –BankBank Listing Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1st Source Bank South Bend 1st Source Corporation 1/1/1863 82 1,164 No 6,672,908 1.49 12.64 Alliance Bank Francesville Alliance Bancorp 7/3/1930 7 65 Yes 310,002 1.28 9.89 American Community Bank of Indiana Saint John AMB Financial Corp. 3/29/1910 5 39 No 226,634 0.65 7.31 Bank of Wolcott Wolcott Wolcott Bancorp 10/16/1944 3 29 Yes 170,197 1.21 10.71 Bath State Bank Bath Bath State Bancorp 6/24/1924 2 39 Yes 163,820 0.73 7.47 Bedford Federal Savings Bank Bedford 9/20/1926 2 29 No 132,595 0.73 6.13 Bippus State Bank Huntington Bippus State Corporation 7/22/1911 5 42 Yes 183,367 1.46 13.62 Boonville Federal Savings Bank Boonville 1/1/1917 1 13 No 54,076 0.14 1.52 Campbell & Fetter Bank Kendallville C&F Banc Shares Corp. 6/12/1863 8 69 No 311,575 0.75 7.93 Centier Bank Merrillville First Bancshares, Inc. 4/21/1895 62 849 No 4,811,249 1.44 14.89 CentreBank Veedersburg Veedersburg Bank Corporation 10/13/1917 5 22 No 79,334 1.47 11.98 Citizens Bank Mooresville CITBA Financial Corporation 2/18/1931 9 117 No 488,444 1.06 10.20 Citizens State Bank of New Castle, Indiana New Castle Town Financial Corporation 7/3/1873 14 147 No 561,861 0.92 9.65 ClearPoint Federal Bank & Trust Batesville 7/29/1998 1 27 No 102,946 1.13 6.89 Commerce Bank Evansville First Light Bancorp 5/30/2006 4 31 No 187,729 0.69 6.02 Community First Bank of Indiana Kokomo Community First Financial Corporation 2/3/2003 6 81 No 298,134 1.04 9.60 Community State Bank Brook 4/1/1931 1 8 No 67,903 1.24 9.68 Community State Bank Avilla Community Financial Corp. 2/19/1931 4 50 No 277,665 1.52 14.13 Community State Bank Royal Center Community Bancorp 5/24/1930 4 29 No 123,445 0.92 8.27 Community State Bank of Southwestern Indiana Poseyville Cynthiana Bancorporation 7/15/1925 6 24 Yes 84,245 1.01 10.08 Crossroads Bank Wabash FFW Corporation 1/27/1920 6 88 No 420,988 1.12 11.31 Dearborn Savings Bank Lawrenceburg DSA Financial Corporation 1/1/1891 1 18 No 128,843 0.69 6.47 First FS&LA of Ravenswood Demotte DeMotte Bancorp 2/2/1942 12 119 No 426,374 0.91 7.72 Elberfeld State Bank Elberfeld ESB Bancorp, Inc. 7/25/1905 3 15 No 80,240 0.86 7.44 Everence Trust Company Goshen Everence Association, Inc. 6/1/2001 1 20 No 8,907 0.71 0.68 Fairmount State Bank Fairmount Fairmount Banking Company 12/18/1902 1 13 No 43,391 0.52 3.73 Farmers and Mechanics Federal Savings Bank Bloomfield 4/14/1892 2 14 No 74,025 0.30 1.72 Farmers and Merchants Bank Laotto FM Fincorp 10/29/1914 4 30 Yes 159,277 1.09 10.43 Farmers and Merchants Bank Boswell Farmers and Merchants Bancorp 4/23/1903 4 31 No 132,484 0.79 6.97 Farmers Bank, Frankfort, Indiana, Inc. Frankfort Farmers Bancorp 1/1/1876 10 126 No 590,193 1.41 12.57 Farmers State Bank Lagrange FS Bancorp 11/1/1915 12 156 No 786,217 1.36 14.47 FCN Bank, National Association Brookville FCN Banc Corp. 1/2/1901 6 105 No 462,907 1.22 10.84 First Bank of Berne Berne First Berne Financial Corporation 10/21/1891 9 114 Yes 702,916 1.55 15.49 First Bank Richmond Richmond First Mutual of Richmond, Inc. 1/1/1887 13 163 No 953,813 0.78 7.71 First Farmers Bank & Trust Converse First Farmers Financial Corporation 7/1/1885 35 356 No 1,898,874 1.60 15.02 First Federal Savings and Loan Association of Greensburg Greensburg 1/1/1883 3 36 No 148,554 0.47 4.34 First Federal Savings Bank Evansville First Bancorp of Indiana, Inc. 1/1/1904 9 109 No 451,430 0.54 5.68 First Federal Savings Bank Huntington Northeast Indiana Bancorp, Inc. 4/15/1912 6 73 No 351,578 1.35 12.17 First Federal Savings Bank Rochester American Midwest Financial Corp. 1/3/1966 6 141 No 425,156 0.94 9.34 First Federal Savings Bank of Angola Angola 1/1/1933 1 26 No 128,659 0.95 4.73 First Federal Savings Bank of Washington Washington 1/1/1895 1 20 No 76,891 0.05 0.38 First Financial Bank, National Association Terre Haute First Financial Corporation 8/3/1863 82 978 No 3,888,425 1.41 9.94 First Harrison Bank Corydon First Capital, Inc. 1/1/1891 18 196 No 817,992 1.22 11.91 First Internet Bank of Indiana Fishers First Internet Bancorp 12/28/1998 1 220 No 4,093,002 0.71 9.01 First Merchants Bank Muncie First Merchants Corporation 3/13/1893 137 1,938 No 12,305,199 1.63 11.24 First National Bank Cloverdale First National Bank Corp. 1/1/1913 7 73 No 296,144 0.78 7.83 First National Bank of Monterey Monterey 8/1/1910 4 54 No 330,102 0.85 6.93 First Savings Bank Clarksville First Savings Financial Group 1/1/1937 15 450 No 1,219,560 1.52 14.57 First State Bank of Middlebury Middlebury Crystal Valley Financial Corporation 8/30/1910 6 107 No 594,196 1.48 13.30 First State Bank of Porter Porter 4/1/1920 3 33 No 143,387 1.09 6.76
Source: S&P Global Market Intelligence 67 continued IndianaIndiana - –BankBank Listing Listing,
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Fountain Trust Company Covington Piper Holdings, Inc. 8/23/1903 14 117 No 386,005 1.56 12.30 Fowler State Bank Fowler Benton Financial Corporation 12/14/1931 4 43 No 163,619 1.64 11.41 Freedom Bank Huntingburg Freedom Bancorp 11/22/1999 4 56 Yes 440,159 1.66 15.86 Friendship State Bank Friendship Friendship Bancorp 10/26/1912 8 118 No 378,636 1.39 13.02 Garrett State Bank Garrett G.S.B. Financial Corporation 4/16/1892 4 39 Yes 246,602 1.21 11.24 German American Bank Jasper German American Bancorp, Inc. 11/10/1910 73 841 No 4,343,817 1.44 11.92 Grant County State Bank Swayzee Grant County State Bancshares, Inc. 9/30/1939 3 23 Yes 193,862 1.92 16.71 Greenfield Banking Company Greenfield Greenfield Bancshares, Inc. 9/4/1871 7 122 No 577,146 1.38 13.57 Hendricks County Bank and Trust Company Brownsburg Midstate Financial Corporation 4/1/1908 5 48 No 169,685 0.31 2.64 Home Bank SB Martinsville 1/1/1890 6 79 No 321,651 0.74 5.83 Home National Bank of Thorntown Thorntown Home National Corporation 5/31/1901 2 24 No 114,153 0.77 8.13 Hoosier Heartland State Bank Crawfordsville Hoosier Heartland State Bancorp 12/1/1899 6 58 Yes 203,764 0.76 9.20 Horizon Bank Michigan City Horizon Bancorp, Inc. 4/21/1873 75 804 No 5,189,130 1.37 10.92 Jackson County Bank Seymour Bancorp. of Southern Indiana 1/2/1900 10 135 No 593,464 0.86 8.81 Kentland Bank Kentland KenBancorp 9/19/1932 5 61 No 306,108 1.63 11.45 Kentland Federal Savings and Loan Association Kentland 1/1/1920 1 2 No 4,135 (0.26) (1.90) Lake City Bank Warsaw Lakeland Financial Corporation 1/1/1872 52 561 No 4,936,933 1.83 16.20 LNB Community Bank Lynnville LNB Community Bancorp 9/7/1907 4 34 Yes 116,609 0.65 6.23 Logansport Savings Bank Logansport Logansport Financial Corp. 1/1/1925 1 30 No 186,058 1.24 9.79 Merchants Bank of Indiana Carmel Merchants Bancorp 6/23/1923 5 269 No 6,145,258 1.50 13.39 Mid-Southern Savings Bank, FSB Salem Mid-Southern Bancorp, Inc. 8/12/1891 3 44 No 208,970 0.80 4.37 Morris Plan Company of Terre Haute, Inc. Terre Haute First Financial Corporation 7/27/1962 1 27 No 91,465 3.76 12.66 Mutual Savings Bank Franklin Third Century Bancorp 1/1/1890 6 45 No 172,726 0.65 6.37 MutualBank Muncie MutualFirst Financial, Inc. 9/7/1889 39 494 No 2,068,557 1.09 10.21 Napoleon State Bank Napoleon Napoleon Bancorp 12/9/1903 6 72 No 273,017 1.17 10.38 National Bank of Indianapolis Indianapolis National Bank of Indianapolis Corporation 12/8/1993 13 328 No 2,149,308 1.10 13.20 New Washington State Bank New Washington New Independent Bancshares, Inc. 3/6/1908 9 93 Yes 339,760 1.19 11.79 North Salem State Bank North Salem North Salem State Bancorporation 7/14/1923 9 80 No 365,560 1.28 14.74 Old National Bank Evansville Old National Bancorp 11/10/1834 196 2,558 No 20,333,014 1.30 9.16 Ossian State Bank Ossian Ossian Financial Services, Inc. 11/2/1912 2 25 Yes 107,028 0.86 9.00 Our Community Bank Spencer Home Financial Bancorp 1/1/1911 2 19 No 72,300 0.60 5.26 Owen County State Bank Spencer Owen Financial Corporation 2/4/1933 6 71 No 235,290 0.84 8.70 Peoples Bank Brownstown TPB Bancorp 1/1/1934 4 49 No 207,514 0.81 8.15 Peoples Bank SB Munster NorthWest Indiana Bancorp 1/1/1910 22 252 No 1,328,795 0.97 10.43 Peoples Community Bank SB Monticello 1/1/1899 1 5 No 27,338 (1.25) (2.82) Peoples State Bank Ellettsville Ellettsville Bancshares, Inc. 1/1/1904 13 92 Yes 298,976 0.77 7.70 Peoples Trust & Savings Bank Boonville Peoples Bancshares Corp 1/1/1895 3 45 Yes 195,527 0.59 3.59 Riddell National Bank Brazil RNB Corp. 6/15/1885 5 65 No 233,203 0.81 9.46 Scottsburg Building and Loan Association Scottsburg Scottsburg B&L, MHC 8/8/1889 1 10 No 89,625 0.41 2.85 Security Federal Savings Bank Logansport 4/1/1934 5 77 No 277,831 0.60 4.93 Spencer County Bank Santa Claus 8/19/1927 5 39 No 109,128 0.79 6.30 Springs Valley Bank & Trust Company Jasper SVB&T Corporation 1/1/1902 5 101 No 453,032 0.88 8.10 STAR Financial Bank Fort Wayne STAR Financial Group, Inc. 1/7/1892 39 476 No 2,032,461 1.28 11.88 State Bank of Burnettsville Burnettsville SBB Bancshares, Inc. 7/10/1902 2 13 No 40,212 (0.70) (6.47) State Bank of Lizton Lizton Lizton Financial Corporation 12/1/1910 9 101 No 503,399 1.26 12.31 State Bank of Medora Medora 9/19/1933 1 16 No 91,049 0.78 5.25 Terre Haute Savings Bank Terre Haute Terre Haute Savings MHC, Inc. 12/1/1869 8 110 No 330,576 0.44 4.63 Tri-County Bank & Trust Company Roachdale Tri-County Bancorp. 10/7/1892 5 40 No 216,758 1.07 8.59 Union Savings and Loan Association Connersville 8/1/1937 3 45 No 164,510 0.84 8.21 United Fidelity Bank, Fsb Evansville Pedcor Financial, LLC 1/1/1914 17 158 No 965,681 1.02 8.42 Wayne Bank and Trust Co. Cambridge City Waytru Bancorp 1/1/1882 3 46 Yes 164,269 0.38 3.38 West End Bank, S.B. Richmond West End Indiana Bancshares, Inc. 1/1/1894 5 78 No 299,171 0.53 5.27
Source: S&P Global Market Intelligence 68 Indiana – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 Old National Bank Evansville 2,558 196 14,480,035 73,878 103,740 5,661 7,949 20,333,014 2 First Merchants Bank Muncie 1,938 137 9,882,399 72,134 89,819 5,099 6,349 12,305,199 3 1st Source Bank South Bend 1,164 82 5,392,181 65,758 81,377 4,632 5,733 6,672,908 4 Merchants Bank of Indiana Carmel 269 5 5,354,641 1,070,928 1,229,052 19,906 22,845 6,145,258 5 Horizon Bank Michigan City 804 75 3,972,994 52,973 69,188 4,942 6,454 5,189,130 6 Lake City Bank Warsaw 561 52 4,290,958 82,518 94,941 7,649 8,800 4,936,933 7 Centier Bank Merrillville 849 62 3,867,570 62,380 77,601 4,555 5,667 4,811,249 8 German American Bank Jasper 841 73 3,459,780 47,394 59,504 4,114 5,165 4,343,817 9 First Internet Bank of Indiana Fishers 220 1 3,189,179 3,189,179 4,093,002 14,496 18,605 4,093,002 10 First Financial Bank, National Association Terre Haute 978 82 3,160,828 38,547 47,420 3,232 3,976 3,888,425 11 National Bank of Indianapolis Indianapolis 328 13 1,806,973 138,998 165,331 5,509 6,553 2,149,308 12 MutualBank Muncie 494 39 1,576,274 40,417 53,040 3,191 4,187 2,068,557 13 STAR Financial Bank Fort Wayne 476 39 1,761,636 45,170 52,114 3,701 4,270 2,032,461 14 First Farmers Bank & Trust Converse 356 35 1,500,183 42,862 54,254 4,214 5,334 1,898,874 15 Peoples Bank SB Munster 252 22 1,149,336 52,243 60,400 4,561 5,273 1,328,795 16 First Savings Bank Clarksville 450 15 844,737 56,316 81,304 1,877 2,710 1,219,560 17 United Fidelity Bank, Fsb Evansville 158 17 790,571 46,504 56,805 5,004 6,112 965,681 18 First Bank Richmond Richmond 163 13 652,823 50,217 73,370 4,005 5,852 953,813 19 First Harrison Bank Corydon 196 18 723,170 40,176 45,444 3,690 4,173 817,992 20 Farmers State Bank Lagrange 156 12 654,903 54,575 65,518 4,198 5,040 786,217 21 First Bank of Berne Berne 114 9 586,899 65,211 78,102 5,148 6,166 702,916 22 First State Bank of Middlebury Middlebury 107 6 485,660 80,943 99,033 4,539 5,553 594,196 23 Jackson County Bank Seymour 135 10 461,369 46,137 59,346 3,418 4,396 593,464 24 Farmers Bank, Frankfort, Indiana, Inc. Frankfort 126 10 485,032 48,503 59,019 3,849 4,684 590,193 25 Greenfield Banking Company Greenfield 122 7 513,663 73,380 82,449 4,210 4,731 577,146 26 Citizens State Bank of New Castle, Indiana New Castle 147 14 503,530 35,966 40,133 3,425 3,822 561,861 27 State Bank of Lizton Lizton 101 9 424,765 47,196 55,933 4,206 4,984 503,399 28 Citizens Bank Mooresville 117 9 432,387 48,043 54,272 3,696 4,175 488,444 29 FCN Bank, National Association Brookville 105 6 389,902 64,984 77,151 3,713 4,409 462,907 30 Springs Valley Bank & Trust Company Jasper 101 5 355,757 71,151 90,606 3,522 4,485 453,032 31 First Federal Savings Bank Evansville 109 9 315,915 35,102 50,159 2,898 4,142 451,430 32 Freedom Bank Huntingburg 56 4 389,324 97,331 110,040 6,952 7,860 440,159 33 DeMotte State Bank Demotte 119 12 331,533 27,628 35,531 2,786 3,583 426,374 34 First Federal Savings Bank Rochester 141 6 338,157 56,360 70,859 2,398 3,015 425,156 35 Crossroads Bank Wabash 88 6 366,310 61,052 70,165 4,163 4,784 420,988 36 Fountain Trust Company Covington 117 14 334,078 23,863 27,572 2,855 3,299 386,005 37 Friendship State Bank Friendship 118 8 334,843 41,855 47,330 2,838 3,209 378,636 38 North Salem State Bank North Salem 80 9 327,923 36,436 40,618 4,099 4,570 365,560 39 First Federal Savings Bank Huntington 73 6 246,859 41,143 58,596 3,382 4,816 351,578 40 New Washington State Bank New Washington 93 9 303,903 33,767 37,751 3,268 3,653 339,760 41 Terre Haute Savings Bank Terre Haute 110 8 249,494 31,187 41,322 2,268 3,005 330,576 42 First National Bank of Monterey Monterey 54 4 265,474 66,369 82,526 4,916 6,113 330,102 43 Home Bank SB Martinsville 79 6 257,288 42,881 53,609 3,257 4,072 321,651 44 Campbell & Fetter Bank Kendallville 69 8 219,927 27,491 38,947 3,187 4,516 311,575 45 Alliance Bank Francesville 65 7 259,652 37,093 44,286 3,995 4,769 310,002 46 Kentland Bank Kentland 61 5 253,417 50,683 61,222 4,154 5,018 306,108 47 West End Bank, S.B. Richmond 78 5 218,176 43,635 59,834 2,797 3,836 299,171 48 Peoples State Bank Ellettsville 92 13 251,795 19,369 22,998 2,737 3,250 298,976 49 Community First Bank of Indiana Kokomo 81 6 257,044 42,841 49,689 3,173 3,681 298,134 50 First National Bank Cloverdale 73 7 263,376 37,625 42,306 3,608 4,057 296,144
Source: S&P Global Market Intelligence 69 Indiana – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Morris Plan Company of Terre Haute, Inc. Terre Haute 91,465 14.36 24.93 1.73 27.95 134.85 2.53 12.41 2 CentreBank Veedersburg 79,334 6.42 4.68 0.44 (0.22) 83.59 7.14 5.09 3 Community First Bank of Indiana Kokomo 298,134 5.95 21.04 1.04 9.54 99.84 1.68 4.62 4 New Washington State Bank New Washington 339,760 5.48 2.24 0.50 4.16 87.52 2.60 4.50 5 Friendship State Bank Friendship 378,636 5.70 5.04 0.68 5.12 86.48 2.65 4.49 6 Community State Bank Avilla 277,665 5.22 2.65 0.52 8.40 95.62 3.75 4.44 7 Fountain Trust Company Covington 386,005 5.86 (3.59) 0.36 7.00 69.94 2.67 4.37 8 Kentland Bank Kentland 306,108 6.34 (2.24) 0.61 (0.13) 68.34 2.98 4.36 9 North Salem State Bank North Salem 365,560 5.70 8.26 1.03 9.78 93.05 3.76 4.31 10 Bippus State Bank Huntington 183,367 5.38 4.46 0.55 10.74 91.69 2.37 4.29 10 Grant County State Bank Swayzee 193,862 6.06 2.86 1.43 5.98 110.81 NA 4.29 12 Napoleon State Bank Napoleon 273,017 5.43 6.56 0.79 12.81 94.59 2.27 4.26 13 First State Bank of Middlebury Middlebury 594,196 5.45 8.40 0.67 8.08 91.81 3.60 4.25 14 Fairmount State Bank Fairmount 43,391 5.58 16.70 0.31 2.08 79.90 3.13 4.21 15 West End Bank, S.B. Richmond 299,171 5.85 (2.56) 1.30 (3.91) 113.40 2.10 4.17 16 State Bank of Burnettsville Burnettsville 40,212 5.72 (7.34) 0.53 15.77 63.11 2.07 4.13 17 Farmers Bank, Frankfort, Indiana, Inc. Frankfort 590,193 5.40 6.61 0.51 5.15 86.45 2.60 4.10 18 Community State Bank Brook 67,903 5.68 6.17 1.00 14.09 90.84 2.29 4.09 19 Bedford Federal Savings Bank Bedford 132,595 5.33 (1.25) 0.80 6.55 85.25 NA 4.08 20 Community State Bank of Southwestern Indiana Poseyville 84,245 5.40 (2.95) 0.63 6.90 79.52 2.78 4.07 21 First Farmers Bank & Trust Converse 1,898,874 5.78 7.89 0.92 9.33 92.15 2.64 4.05 22 Fowler State Bank Fowler 163,619 6.14 8.42 0.92 (0.98) 66.19 4.15 4.04 23 Farmers State Bank Lagrange 786,217 5.18 7.49 0.73 11.12 89.40 3.13 4.03 23 Hoosier Heartland State Bank Crawfordsville 203,764 6.11 12.52 0.63 (3.01) 68.23 2.94 4.03 25 State Bank of Lizton Lizton 503,399 5.26 0.46 0.62 (1.07) 88.50 2.57 4.02 26 Community State Bank Royal Center 123,445 5.25 (5.80) 0.57 1.71 76.98 2.85 4.01 27 Alliance Bank Francesville 310,002 5.36 3.97 0.34 7.39 69.90 2.66 3.94 28 First Federal Savings Bank Rochester 425,156 5.19 (6.31) 1.30 6.54 99.66 NA 3.93 28 Owen County State Bank Spencer 235,290 5.52 10.88 0.95 8.61 88.73 2.80 3.93 28 First Harrison Bank Corydon 817,992 5.51 9.98 0.24 2.48 66.14 2.26 3.93 31 Wayne Bank and Trust Co. Cambridge City 164,269 5.35 11.41 0.93 6.84 94.24 2.37 3.91 32 First Savings Bank Clarksville 1,219,560 5.14 22.92 0.95 2.60 108.51 4.39 3.90 32 Our Community Bank Spencer 72,300 5.68 4.42 1.16 (0.85) 102.10 3.00 3.90 34 STAR Financial Bank Fort Wayne 2,032,461 5.08 6.05 0.47 8.27 84.71 2.47 3.88 35 German American Bank Jasper 4,343,817 5.19 31.13 0.79 29.93 88.91 3.06 3.86 35 First Financial Bank, National Association Terre Haute 3,888,425 5.04 37.85 0.69 33.90 81.67 2.88 3.86 37 Kentland Federal Savings and Loan Association Kentland 4,135 5.01 (9.43) 1.27 (10.83) 130.29 5.13 3.84 37 Security Federal Savings Bank Logansport 277,831 5.29 12.26 0.98 8.51 93.47 3.51 3.84 39 First State Bank of Porter Porter 143,387 5.44 7.45 0.67 0.51 70.17 3.41 3.82 39 Farmers and Merchants Bank Laotto 159,277 5.03 6.21 0.34 3.48 77.06 2.06 3.82 41 Bank of Wolcott Wolcott 170,197 5.65 3.00 1.06 6.92 81.49 3.04 3.81 41 1st Source Bank South Bend 6,672,908 5.15 6.03 0.79 6.51 95.10 2.29 3.81 41 Hendricks County Bank and Trust Company Brownsburg 169,685 5.79 8.06 0.70 3.94 68.45 2.41 3.81 41 Peoples Bank SB Munster 1,328,795 5.18 21.72 0.71 26.74 79.08 3.09 3.81 41 First Bank of Berne Berne 702,916 5.10 1.97 0.77 5.44 94.00 2.43 3.81 46 Garrett State Bank Garrett 246,602 5.17 6.86 0.90 8.49 91.81 2.94 3.76 46 Riddell National Bank Brazil 233,203 5.16 5.34 1.03 0.88 95.92 2.61 3.76 48 Greenfield Banking Company Greenfield 577,146 5.53 17.32 0.21 4.79 59.63 2.65 3.75 48 First Merchants Bank Muncie 12,305,199 5.26 17.15 1.05 28.50 84.06 3.33 3.75 50 Peoples Community Bank SB Monticello 27,338 4.70 15.47 0.58 (11.05) 155.16 2.06 3.74
Source: S&P Global Market Intelligence 70 Indiana – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Everence Trust Company Goshen 8,907 51 0.00 0.00 0.00 0.00 11,822 164.84 2 ClearPoint Federal Bank & Trust Batesville 102,946 1,107 0.00 0.00 0.00 0.00 4,318 4.40 3 First Savings Bank Clarksville 1,219,560 17,223 0.17 3.41 0.05 0.01 45,211 4.00 4 First Federal Savings Bank Rochester 425,156 4,354 0.17 1.09 0.28 0.00 12,626 2.72 5 United Fidelity Bank, Fsb Evansville 965,681 8,755 0.04 0.06 0.01 0.03 20,283 2.36 6 1st Source Bank South Bend 6,672,908 95,966 0.17 0.04 0.02 0.00 102,263 1.59 7 Jackson County Bank Seymour 593,464 4,979 0.16 0.13 0.02 0.03 8,170 1.41 8 Friendship State Bank Friendship 378,636 5,228 0.32 0.06 0.04 (0.01) 5,088 1.35 9 Springs Valley Bank & Trust Company Jasper 453,032 3,697 0.17 0.15 0.04 (0.01) 5,213 1.24 9 Home Bank SB Martinsville 321,651 2,274 0.37 0.22 0.00 0.00 3,807 1.24 11 STAR Financial Bank Fort Wayne 2,032,461 26,002 0.42 0.05 0.03 0.00 24,815 1.23 12 First Financial Bank, National Association Terre Haute 3,888,425 43,539 0.38 0.07 0.02 0.00 37,468 1.21 13 German American Bank Jasper 4,343,817 57,359 0.21 0.10 0.00 0.00 42,711 1.07 14 Bippus State Bank Huntington 183,367 3,478 0.17 0.42 0.11 0.00 1,870 1.05 14 Old National Bank Evansville 20,333,014 255,509 0.23 0.06 0.04 0.00 206,575 1.05 16 Centier Bank Merrillville 4,811,249 65,325 0.35 0.13 0.03 (0.07) 46,384 1.03 17 First Federal Savings Bank Huntington 351,578 4,685 0.19 0.33 0.09 0.00 3,547 1.02 17 MutualBank Muncie 2,068,557 22,381 0.16 0.21 0.06 0.00 20,886 1.02 19 LNB Community Bank Lynnville 116,609 1,024 0.17 0.11 0.13 0.00 1,093 0.93 20 Citizens State Bank of New Castle, Indiana New Castle 561,861 5,045 0.36 0.00 0.00 0.00 5,050 0.92 20 National Bank of Indianapolis Indianapolis 2,149,308 23,651 0.13 0.04 -0.03 0.00 19,761 0.92 22 Farmers Bank, Frankfort, Indiana, Inc. Frankfort 590,193 7,998 0.19 0.15 0.03 0.00 5,121 0.90 22 Greenfield Banking Company Greenfield 577,146 7,631 0.40 0.05 0.01 0.00 4,985 0.90 22 Peoples State Bank Ellettsville 298,976 3,000 0.13 0.20 0.10 0.00 2,620 0.90 25 Lake City Bank Warsaw 4,936,933 89,638 0.34 0.04 0.01 0.00 43,258 0.88 25 Fountain Trust Company Covington 386,005 5,801 0.31 0.05 0.08 0.03 3,256 0.88 27 Union Savings and Loan Association Connersville 164,510 1,335 0.19 0.08 0.09 0.00 1,376 0.86 27 Horizon Bank Michigan City 5,189,130 63,980 0.33 0.16 0.05 0.00 40,019 0.86 27 Terre Haute Savings Bank Terre Haute 330,576 1,448 0.21 0.07 0.03 0.00 2,848 0.86 30 First Farmers Bank & Trust Converse 1,898,874 28,732 0.20 0.20 0.07 0.00 15,041 0.84 31 First Harrison Bank Corydon 817,992 9,843 0.25 0.13 0.00 0.00 6,688 0.83 32 First Bank of Berne Berne 702,916 14,422 0.32 0.06 0.04 0.00 5,695 0.81 33 Citizens Bank Mooresville 488,444 5,104 0.21 0.16 0.02 0.00 3,840 0.80 33 Merchants Bank of Indiana Carmel 6,145,258 65,809 0.00 0.02 0.03 0.00 35,240 0.80 35 Peoples Bank SB Munster 1,328,795 11,900 0.14 0.16 0.00 0.00 9,649 0.79 36 State Bank of Lizton Lizton 503,399 6,456 0.31 0.04 0.00 0.13 3,975 0.78 37 Security Federal Savings Bank Logansport 277,831 1,568 0.07 0.10 0.05 0.01 2,013 0.77 37 Farmers State Bank Lagrange 786,217 10,323 0.26 0.01 0.01 0.00 5,825 0.77 37 Owen County State Bank Spencer 235,290 1,889 0.28 0.07 0.00 0.00 1,735 0.77 37 First State Bank of Middlebury Middlebury 594,196 8,450 0.18 0.11 0.07 0.00 4,407 0.77 41 New Washington State Bank New Washington 339,760 5,279 0.23 0.00 0.00 (0.02) 2,547 0.76 42 Bedford Federal Savings Bank Bedford 132,595 926 0.15 0.26 -0.06 0.02 930 0.74 42 Community First Bank of Indiana Kokomo 298,134 2,870 0.17 0.16 0.00 0.00 2,025 0.74 42 First Merchants Bank Muncie 12,305,199 170,237 0.21 0.05 0.00 0.00 77,328 0.74 42 Riddell National Bank Brazil 233,203 1,821 0.22 0.14 0.06 0.01 1,661 0.74 46 CentreBank Veedersburg 79,334 1,130 0.11 0.32 0.15 (0.08) 562 0.73 47 Hoosier Heartland State Bank Crawfordsville 203,764 2,116 0.24 0.05 0.04 0.01 1,455 0.70 48 Mutual Savings Bank Franklin 172,726 1,057 0.09 0.13 0.06 0.01 1,121 0.69 48 First Federal Savings Bank Evansville 451,430 2,346 0.20 0.10 0.04 (0.02) 2,986 0.69 48 DeMotte State Bank Demotte 426,374 3,806 0.20 0.00 0.00 0.06 2,897 0.69
Source: S&P Global Market Intelligence 71 Indiana – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 First Internet Bank of Indiana Fishers 4,093,002 51.15 220 1 0.66 0.05 0.47 1.18 2 Merchants Bank of Indiana Carmel 6,145,258 36.78 269 5 0.79 0.07 0.36 1.22 3 Grant County State Bank Swayzee 193,862 29.99 23 3 0.62 0.18 0.53 1.33 4 Freedom Bank Huntingburg 440,159 42.96 56 4 0.87 0.20 0.60 1.67 5 Lake City Bank Warsaw 4,936,933 42.02 561 52 0.91 0.22 0.62 1.75 6 State Bank of Medora Medora 91,049 65.17 16 1 1.15 0.20 0.60 1.95 7 First National Bank of Monterey Monterey 330,102 63.81 54 4 1.27 0.18 0.52 1.96 8 Scottsburg Building and Loan Association Scottsburg 89,625 80.22 10 1 1.00 0.12 0.87 2.00 9 First Merchants Bank Muncie 12,305,199 50.65 1,938 137 1.30 0.32 0.54 2.16 10 Campbell & Fetter Bank Kendallville 311,575 68.41 69 8 1.28 0.38 0.50 2.16 11 Tri-County Bank & Trust Company Roachdale 216,758 61.69 40 5 1.15 0.19 0.86 2.20 12 Bank of Wolcott Wolcott 170,197 54.75 29 3 1.33 0.18 0.74 2.25 13 First Bank of Berne Berne 702,916 49.90 114 9 1.19 0.23 0.86 2.28 14 Garrett State Bank Garrett 246,602 57.70 39 4 1.30 0.22 0.78 2.30 15 Peoples Bank Brownstown 207,514 66.29 49 4 1.44 0.21 0.69 2.33 16 FCN Bank, National Association Brookville 462,907 60.75 105 6 1.42 0.22 0.78 2.41 17 Dearborn Savings Bank Lawrenceburg 128,843 74.08 18 1 1.34 0.16 0.93 2.43 18 Horizon Bank Michigan City 5,189,130 57.13 804 75 1.31 0.25 0.89 2.45 19 Farmers and Mechanics Federal Savings Bank Bloomfield 74,025 99.39 14 2 1.43 0.26 0.78 2.47 20 First Federal Savings Bank of Angola Angola 128,659 71.46 26 1 1.44 0.20 0.84 2.48 21 Logansport Savings Bank Logansport 186,058 62.48 30 1 1.42 0.18 0.87 2.48 22 Old National Bank Evansville 20,333,014 58.91 2,558 196 1.32 0.33 0.85 2.50 23 Community State Bank Brook 67,903 58.56 8 1 1.19 0.23 1.08 2.50 24 First Federal Savings and Loan Association of Greensburg Greensburg 148,554 79.73 36 3 1.28 0.28 0.95 2.50 25 First Farmers Bank & Trust Converse 1,898,874 52.88 356 35 1.42 0.34 0.75 2.51 26 Centier Bank Merrillville 4,811,249 55.07 849 62 1.41 0.40 0.75 2.55 27 Greenfield Banking Company Greenfield 577,146 56.46 122 7 1.54 0.32 0.70 2.56 28 First Federal Savings Bank Huntington 351,578 57.63 73 6 1.41 0.32 0.83 2.56 29 Farmers and Merchants Bank Laotto 159,277 63.27 30 4 1.40 0.44 0.75 2.60 30 Alliance Bank Francesville 310,002 58.99 65 7 1.58 0.22 0.86 2.65 31 First Bank Richmond Richmond 953,813 68.18 163 13 1.56 0.22 0.88 2.66 32 Community State Bank Avilla 277,665 56.08 50 4 1.48 0.27 0.91 2.67 33 National Bank of Indianapolis Indianapolis 2,149,308 65.17 328 13 1.74 0.21 0.73 2.67 34 Peoples Trust & Savings Bank Boonville 195,527 76.03 45 3 1.70 0.36 0.61 2.67 35 Crossroads Bank Wabash 420,988 65.18 88 6 1.47 0.29 0.92 2.68 36 First State Bank of Porter Porter 143,387 64.80 33 3 1.52 0.31 0.86 2.69 37 Kentland Bank Kentland 306,108 57.81 61 5 1.58 0.32 0.81 2.71 38 German American Bank Jasper 4,343,817 58.01 841 73 1.53 0.34 0.85 2.72 39 Commerce Bank Evansville 187,729 74.62 31 4 1.64 0.39 0.70 2.73 40 Ossian State Bank Ossian 107,028 70.49 25 2 1.64 0.37 0.76 2.77 41 First National Bank Cloverdale 296,144 73.17 73 7 1.54 0.60 0.64 2.77 42 Elberfeld State Bank Elberfeld 80,240 71.09 15 3 1.53 0.35 0.91 2.79 43 Napoleon State Bank Napoleon 273,017 60.18 72 6 1.55 0.35 0.89 2.79 44 North Salem State Bank North Salem 365,560 61.08 80 9 1.61 0.38 0.82 2.82 45 Farmers and Merchants Bank Boswell 132,484 72.84 31 4 1.67 0.28 0.88 2.83 46 Citizens Bank Mooresville 488,444 67.06 117 9 1.63 0.23 0.98 2.84 47 MutualBank Muncie 2,068,557 66.40 494 39 1.66 0.30 0.87 2.84 48 American Community Bank of Indiana Saint John 226,634 76.49 39 5 1.59 0.20 1.05 2.84 49 State Bank of Lizton Lizton 503,399 62.78 101 9 1.66 0.29 0.89 2.84 50 First Harrison Bank Corydon 817,992 62.62 196 18 1.54 0.24 1.08 2.86
Source: S&P Global Market Intelligence 72 Indiana – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Community State Bank of Southwestern Indiana Poseyville 84,245 59,057 1.27 0.00 0.00 0.03 0.09 0.12 2 Mutual Savings Bank Franklin 172,726 126,671 1.17 0.09 0.00 0.07 (0.02) 0.14 3 Campbell & Fetter Bank Kendallville 311,575 181,729 0.90 0.14 0.03 0.00 0.02 0.19 4 Citizens Bank Mooresville 488,444 358,846 1.36 0.06 0.02 0.23 0.02 0.33 5 Peoples State Bank Ellettsville 298,976 147,312 1.07 0.17 0.00 0.18 0.01 0.36 6 Commerce Bank Evansville 187,729 145,098 1.02 0.36 0.00 0.00 0.00 0.36 7 Merchants Bank of Indiana Carmel 6,145,258 5,109,612 0.26 0.12 0.14 0.10 0.03 0.39 8 Farmers and Merchants Bank Boswell 132,484 80,934 1.78 0.10 0.09 0.45 (0.19) 0.46 9 First Internet Bank of Indiana Fishers 4,093,002 2,925,391 0.74 0.10 0.00 0.30 0.07 0.47 10 National Bank of Indianapolis Indianapolis 2,149,308 1,468,835 1.13 0.02 0.00 0.60 (0.11) 0.51 11 Farmers State Bank Lagrange 786,217 585,470 1.03 0.14 0.00 0.41 0.00 0.55 12 Centier Bank Merrillville 4,811,249 4,088,482 1.05 0.08 0.00 0.38 0.08 0.55 13 First Merchants Bank Muncie 12,305,199 8,307,170 0.97 0.20 0.00 0.34 0.02 0.56 14 Farmers and Merchants Bank Laotto 159,277 108,277 0.70 0.30 0.25 0.06 0.00 0.62 15 Lake City Bank Warsaw 4,936,933 4,030,645 1.26 0.03 0.01 0.62 0.03 0.69 16 Dearborn Savings Bank Lawrenceburg 128,843 100,614 0.89 0.05 0.00 0.76 0.00 0.81 17 Community State Bank Avilla 277,665 219,488 1.26 0.20 0.10 0.48 0.03 0.81 18 German American Bank Jasper 4,343,817 3,076,063 0.52 0.30 0.00 0.46 0.14 0.90 19 Ossian State Bank Ossian 107,028 61,006 1.29 0.03 0.00 0.91 (0.01) 0.93 20 Horizon Bank Michigan City 5,189,130 3,667,685 0.49 0.28 0.00 0.63 0.06 0.97 21 First Financial Bank, National Association Terre Haute 3,888,425 2,581,327 0.60 0.26 0.02 0.54 0.15 0.97 22 Citizens State Bank of New Castle, Indiana New Castle 561,861 360,532 1.49 0.52 0.16 0.19 0.14 1.00 23 1st Source Bank South Bend 6,672,908 5,128,200 2.12 0.46 0.00 0.44 0.14 1.03 24 First Bank Richmond Richmond 953,813 702,899 0.98 0.33 0.31 0.29 0.11 1.05 25 Community First Bank of Indiana Kokomo 298,134 256,623 1.72 0.21 0.12 0.72 0.10 1.14 26 First Federal Savings Bank of Angola Angola 128,659 89,304 0.97 0.91 0.07 0.23 0.00 1.21 27 Wayne Bank and Trust Co. Cambridge City 164,269 133,095 1.29 0.38 0.01 0.74 0.13 1.26 28 Logansport Savings Bank Logansport 186,058 123,835 1.42 0.19 0.00 1.11 (0.03) 1.27 29 First Bank of Berne Berne 702,916 552,444 1.33 0.65 0.02 0.59 0.05 1.31 30 Home Bank SB Martinsville 321,651 196,344 1.17 0.46 0.20 0.62 0.03 1.31 31 Farmers and Mechanics Federal Savings Bank Bloomfield 74,025 26,540 0.41 0.84 0.00 0.47 0.00 1.31 32 North Salem State Bank North Salem 365,560 305,121 1.85 0.16 0.00 1.14 0.02 1.32 33 State Bank of Lizton Lizton 503,399 375,925 1.59 0.34 0.00 0.99 0.00 1.33 34 Peoples Trust & Savings Bank Boonville 195,527 128,158 0.25 0.47 0.10 0.76 0.02 1.35 35 Old National Bank Evansville 20,333,014 12,075,957 0.47 0.20 0.01 1.14 0.02 1.38 36 Napoleon State Bank Napoleon 273,017 222,361 1.40 0.57 0.03 0.55 0.24 1.39 37 Farmers Bank, Frankfort, Indiana, Inc. Frankfort 590,193 419,291 1.15 0.72 0.00 0.64 0.03 1.40 38 LNB Community Bank Lynnville 116,609 86,137 1.35 0.45 0.13 0.84 0.01 1.43 39 Freedom Bank Huntingburg 440,159 395,018 1.79 0.88 0.07 0.42 0.06 1.43 40 Fountain Trust Company Covington 386,005 233,638 1.67 0.46 0.61 0.32 0.08 1.48 41 Bath State Bank Bath 163,820 135,440 1.57 0.27 0.11 1.06 0.07 1.51 42 Bippus State Bank Huntington 183,367 140,969 1.00 0.54 0.00 0.92 0.07 1.52 43 First National Bank of Monterey Monterey 330,102 211,127 2.27 0.48 0.03 1.09 0.01 1.61 44 First Harrison Bank Corydon 817,992 478,330 0.99 0.79 0.00 0.71 0.13 1.64 45 Alliance Bank Francesville 310,002 181,486 2.18 0.19 0.00 1.53 (0.03) 1.69 46 Security Federal Savings Bank Logansport 277,831 207,619 0.86 0.32 0.00 1.22 0.20 1.73 47 Owen County State Bank Spencer 235,290 171,732 1.03 0.81 0.02 0.81 0.11 1.75 48 Friendship State Bank Friendship 378,636 290,869 0.98 1.42 0.03 0.26 0.06 1.77 49 First Savings Bank Clarksville 1,219,560 916,664 1.10 0.19 0.00 1.50 0.09 1.78 50 FCN Bank, National Association Brookville 462,907 265,581 1.27 0.18 0.02 1.08 0.51 1.79
Source: S&P Global Market Intelligence 73 Indiana – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Grant County State Bank Swayzee 193,862 4,718 23 205 4,216 3,532 1.92 16.71 2 Lake City Bank Warsaw 4,936,933 89,638 561 160 75,406 61,750 1.83 16.20 3 Freedom Bank Huntingburg 440,159 9,468 56 169 9,212 8,955 1.66 15.86 4 First Bank of Berne Berne 702,916 14,422 114 127 13,045 11,712 1.55 15.49 5 First Farmers Bank & Trust Converse 1,898,874 28,732 356 81 26,605 20,362 1.60 15.02 6 Centier Bank Merrillville 4,811,249 65,325 849 77 50,191 39,176 1.44 14.89 7 North Salem State Bank North Salem 365,560 4,477 80 56 3,826 3,109 1.28 14.74 8 First Savings Bank Clarksville 1,219,560 17,223 450 38 10,585 9,032 1.52 14.57 9 Farmers State Bank Lagrange 786,217 10,323 156 66 8,884 7,355 1.36 14.47 10 Community State Bank Avilla 277,665 4,080 50 82 3,678 3,104 1.52 14.13 11 Bippus State Bank Huntington 183,367 3,478 42 83 3,155 2,564 1.46 13.62 12 Greenfield Banking Company Greenfield 577,146 7,631 122 63 6,781 4,977 1.38 13.57 13 Merchants Bank of Indiana Carmel 6,145,258 65,809 269 245 75,330 48,251 1.50 13.39 14 First State Bank of Middlebury Middlebury 594,196 8,450 107 79 7,396 5,802 1.48 13.30 15 National Bank of Indianapolis Indianapolis 2,149,308 23,651 328 72 20,459 15,915 1.10 13.20 16 Friendship State Bank Friendship 378,636 5,228 118 44 4,082 3,654 1.39 13.02 17 Morris Plan Company of Terre Haute, Inc. Terre Haute 91,465 3,088 27 114 2,487 2,476 3.76 12.66 18 1st Source Bank South Bend 6,672,908 95,966 1,164 82 80,533 66,693 1.49 12.64 19 Farmers Bank, Frankfort, Indiana, Inc. Frankfort 590,193 7,998 126 63 7,062 6,267 1.41 12.57 20 State Bank of Lizton Lizton 503,399 6,456 101 64 3,848 3,852 1.26 12.31 21 Fountain Trust Company Covington 386,005 5,801 117 50 4,083 1,857 1.56 12.30 22 First Federal Savings Bank Huntington 351,578 4,685 73 64 3,802 3,840 1.35 12.17 23 CentreBank Veedersburg 79,334 1,130 22 51 1,061 582 1.47 11.98 24 German American Bank Jasper 4,343,817 57,359 841 68 48,049 39,621 1.44 11.92 25 First Harrison Bank Corydon 817,992 9,843 196 50 7,836 6,919 1.22 11.91 26 STAR Financial Bank Fort Wayne 2,032,461 26,002 476 55 16,028 17,555 1.28 11.88 27 New Washington State Bank New Washington 339,760 5,279 93 57 5,249 4,414 1.19 11.79 28 Kentland Bank Kentland 306,108 4,972 61 82 4,671 3,450 1.63 11.45 29 Fowler State Bank Fowler 163,619 2,733 43 64 2,087 1,923 1.64 11.41 30 Crossroads Bank Wabash 420,988 4,548 88 52 4,546 4,460 1.12 11.31 31 Garrett State Bank Garrett 246,602 3,860 39 99 3,633 3,686 1.21 11.24 32 First Merchants Bank Muncie 12,305,199 170,237 1,938 88 148,808 99,458 1.63 11.24 33 Horizon Bank Michigan City 5,189,130 63,980 804 80 49,483 33,116 1.37 10.92 34 FCN Bank, National Association Brookville 462,907 5,479 105 52 4,518 3,869 1.22 10.84 35 Bank of Wolcott Wolcott 170,197 2,686 29 93 2,671 2,320 1.21 10.71 36 Peoples Bank SB Munster 1,328,795 11,900 252 47 8,066 8,672 0.97 10.43 37 Farmers and Merchants Bank Laotto 159,277 2,267 30 76 2,030 1,785 1.09 10.43 38 Napoleon State Bank Napoleon 273,017 3,030 72 42 3,169 2,717 1.17 10.38 39 MutualBank Muncie 2,068,557 22,381 494 45 15,394 13,409 1.09 10.21 40 Citizens Bank Mooresville 488,444 5,104 117 44 3,684 3,235 1.06 10.20 41 Community State Bank of Southwestern Indiana Poseyville 84,245 1,102 24 46 889 750 1.01 10.08 42 First Financial Bank, National Association Terre Haute 3,888,425 43,539 978 45 35,795 31,968 1.41 9.94 43 Alliance Bank Francesville 310,002 5,044 65 78 4,240 4,109 1.28 9.89 44 Logansport Savings Bank Logansport 186,058 2,291 30 76 2,235 2,039 1.24 9.79 45 Community State Bank Brook 67,903 794 8 99 702 484 1.24 9.68 46 Citizens State Bank of New Castle, Indiana New Castle 561,861 5,045 147 34 3,981 3,689 0.92 9.65 47 Community First Bank of Indiana Kokomo 298,134 2,870 81 35 2,407 2,710 1.04 9.60 48 Riddell National Bank Brazil 233,203 1,821 65 28 1,793 1,656 0.81 9.46 49 First Federal Savings Bank Rochester 425,156 4,354 141 31 2,482 1,926 0.94 9.34 50 Hoosier Heartland State Bank Crawfordsville 203,764 2,116 58 36 987 1,415 0.76 9.20
Source: S&P Global Market Intelligence 74 Indiana – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Centier Bank Merrillville 4,811,249 53 16 26 12 6 22.6 2 First Bank of Berne Berne 702,916 41 32 13 29 4 23.8 3 Lake City Bank Warsaw 4,936,933 75 25 5 15 2 24.4 4 German American Bank Jasper 4,343,817 35 13 38 18 24 25.6 5 Community State Bank Avilla 277,665 6 69 32 17 10 26.8 6 Farmers State Bank Lagrange 786,217 23 37 60 11 9 28.0 7 1st Source Bank South Bend 6,672,908 41 6 56 23 18 28.8 7 First Merchants Bank Muncie 12,305,199 48 42 9 13 32 28.8 9 Bippus State Bank Huntington 183,367 10 14 68 42 11 29.0 10 North Salem State Bank North Salem 365,560 9 60 44 32 7 30.4 10 Merchants Bank of Indiana Carmel 6,145,258 97 33 2 7 13 30.4 12 Horizon Bank Michigan City 5,189,130 55 27 18 20 33 30.6 13 Farmers Bank, Frankfort, Indiana, Inc. Frankfort 590,193 17 22 61 37 19 31.2 14 National Bank of Indianapolis Indianapolis 2,149,308 83 20 33 10 15 32.2 15 Fountain Trust Company Covington 386,005 7 25 70 40 21 32.6 15 State Bank of Lizton Lizton 503,399 25 36 49 33 20 32.6 17 Friendship State Bank Friendship 378,636 5 8 88 48 16 33.0 18 Greenfield Banking Company Greenfield 577,146 48 22 27 62 12 34.2 19 First Farmers Bank & Trust Converse 1,898,874 21 30 25 93 5 34.8 20 First Financial Bank, National Association Terre Haute 3,888,425 35 12 65 21 42 35.0 21 First Harrison Bank Corydon 817,992 28 31 50 44 25 35.6 22 Napoleon State Bank Napoleon 273,017 12 55 43 36 38 36.8 23 Old National Bank Evansville 20,333,014 64 14 22 35 51 37.2 24 Freedom Bank Huntingburg 440,159 79 62 4 39 3 37.4 24 Farmers and Merchants Bank Laotto 159,277 39 68 29 14 37 37.4 26 Community State Bank of Southwestern Indiana Poseyville 84,245 20 58 72 1 41 38.4 27 First Savings Bank Clarksville 1,219,560 32 3 101 49 8 38.6 28 Citizens Bank Mooresville 488,444 71 33 46 4 40 38.8 29 First State Bank of Middlebury Middlebury 594,196 13 37 67 64 14 39.0 30 Alliance Bank Francesville 310,002 27 53 30 45 43 39.6 31 STAR Financial Bank Fort Wayne 2,032,461 34 11 74 54 26 39.8 32 Kentland Bank Kentland 306,108 8 64 37 63 28 40.0 33 Grant County State Bank Swayzee 193,862 10 96 3 92 1 40.4 34 Community First Bank of Indiana Kokomo 298,134 3 42 87 25 47 40.8 35 Citizens State Bank of New Castle, Indiana New Castle 561,861 59 20 58 22 46 41.0 36 First Federal Savings Bank Huntington 351,578 64 17 28 80 22 42.2 37 CentreBank Veedersburg 79,334 2 46 85 60 23 43.2 38 FCN Bank, National Association Brookville 462,907 53 67 16 50 34 44.0 39 New Washington State Bank New Washington 339,760 4 41 83 67 27 44.4 40 Logansport Savings Bank Logansport 186,058 62 75 21 28 44 46.0 41 MutualBank Muncie 2,068,557 73 17 47 55 39 46.2 42 Peoples Bank SB Munster 1,328,795 41 35 55 69 36 47.2 43 Fowler State Bank Fowler 163,619 22 74 51 70 29 49.2 43 Bank of Wolcott Wolcott 170,197 41 82 12 76 35 49.2 45 Owen County State Bank Spencer 235,290 28 37 80 47 55 49.4 46 Ossian State Bank Ossian 107,028 60 76 40 19 53 49.6 47 Crossroads Bank Wabash 420,988 68 51 35 65 30 49.8 48 First Internet Bank of Indiana Fishers 4,093,002 102 86 1 9 52 50.0 48 Peoples State Bank Ellettsville 298,976 87 22 69 5 67 50.0 50 Garrett State Bank Garrett 246,602 46 92 14 71 31 50.8
Source: S&P Global Market Intelligence 75 Rank The Banks Kentucky – 2019 Q3 Kentucky – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1st Trust Bank, Inc. Hazard 12/14/2004 4 49 No 271,236 0.45 5.03 American Bank & Trust Company, Inc. Bowling Green First Breckinridge Bancshares, Inc. 7/5/2000 5 79 No 426,127 1.13 13.36 Auburn Banking Company Auburn First Community Bancorp, Inc. 1/1/1929 2 23 Yes 81,007 1.46 16.31 Bank of Buffalo Buffalo Buffalo Bancshares, Inc. 1/7/1901 2 15 Yes 73,457 1.20 10.64 Bank of Cadiz and Trust Company Cadiz Cadiz Bancorp, Inc. 8/7/1970 5 32 Yes 117,599 0.73 7.90 Bank of Clarkson Clarkson First Breckinridge Bancshares, Inc. 1/1/1904 2 23 No 120,609 1.75 13.08 Bank of Columbia Columbia Columbia Bancshares, Inc. 1/1/1866 3 37 Yes 143,752 1.50 14.90 Bank of Edmonson County Brownsville Edmonson Bancshares, Inc 10/5/1925 3 50 Yes 217,905 1.08 9.08 Bank of Hindman Hindman Community Exchange Bancshares, Inc. 10/3/1903 2 29 No 211,381 0.83 6.80 Bank of Jamestown Jamestown Jamestown Bancorp Inc. 7/17/1889 3 33 No 205,580 1.05 9.40 Bank of Lexington, Inc. Lexington First Breckinridge Bancshares, Inc. 2/6/2006 3 49 No 249,135 0.82 7.47 Bank of Maysville Maysville First Bank of Kentucky Corporation 6/26/1835 3 25 No 127,004 0.92 4.77 Bank of the Bluegrass & Trust Co. Lexington Bluegrass Bancshares, Inc. 4/10/1972 2 62 No 265,619 1.42 12.00 Bank of the Mountains, Inc. West Liberty Mountain Bancorp, Inc. 9/15/1973 3 28 No 72,286 0.72 6.72 Bankers' Bank of Kentucky, Inc. Frankfort Independent Community Bancorp, Inc. 4/12/1988 1 20 No 134,564 0.55 5.24 Bedford Loan & Deposit Bank Bedford Bedford Loan and Deposit Bancorp, Inc. 11/2/1891 3 27 No 93,952 1.06 7.61 Blue Grass Federal Savings and Loan Association Paris 1/1/1959 1 7 No 35,560 0.27 1.04 Carrollton Federal Bank Carrollton 1/1/1875 1 10 No 32,086 0.54 3.41 Casey County Bank, Inc. Liberty Casey County Bancorp, Inc. 12/20/1939 5 53 No 196,010 1.37 11.09 Cecilian Bank Cecilia First Cecilian Bancorp, Inc. 5/23/1903 15 226 No 921,331 1.52 14.40 Central Bank & Trust Company Lexington Central Bancshares, Inc. 4/15/1938 28 534 No 2,701,186 1.20 10.42 Century Bank of Kentucky, Inc. Lawrenceburg Century Bancshares, Inc. 7/5/2000 2 22 Yes 141,935 1.20 11.69 Citizens Bank Hartford Hartland Financial, Inc. 1/1/1914 3 32 No 116,299 1.37 16.24 Citizens Bank Hickman Citizens Bancorp of Hickman, Inc. 1/1/1930 3 33 Yes 138,843 0.25 2.00 Citizens Bank Mount Vernon Rockcastle Bancorp, Inc. 12/1/1904 4 41 Yes 145,337 0.71 6.49 Citizens Bank Morehead Citizens Bancorp of Morehead, Incorporated 9/25/1928 5 46 Yes 142,936 0.71 7.40 Citizens Bank & Trust Co. of Jackson Jackson John R Turner Holding Company 11/17/1962 3 52 Yes 139,455 0.77 7.87 Citizens Bank & Trust Company Campbellsville First Bancorp, Inc. 1/1/1939 4 49 No 227,036 1.15 7.01 Citizens Bank of Cumberland County Burkesville Citizens Cumberland Bancshares, Inc. 7/1/2000 1 24 Yes 75,967 1.53 11.45 Citizens Bank of Kentucky Paintsville Citizens National Corporation 12/27/1909 12 159 No 645,918 0.95 6.81 Citizens Commerce Bank Versailles Citizens Commerce Bancshares, Inc. 11/12/1996 5 63 No 266,765 0.66 6.44 Citizens Deposit Bank & Trust Vanceburg Premier Financial Bancorp, Inc. 10/21/1930 17 100 No 475,493 1.31 13.58 Citizens Deposit Bank of Arlington, Inc. Arlington Carlisle Bancorp, Inc. 12/1/1949 4 42 Yes 233,091 1.26 7.92 Citizens Federal Savings and Loan Association Covington 1/1/1886 1 5 No 39,537 1.00 3.54 Citizens Guaranty Bank Irvine Citizens Guaranty Financial Corporation 11/29/1972 6 64 Yes 200,016 0.43 6.08 Citizens National Bank of Lebanon Lebanon CNB of Lebanon Bancorp, Inc. 1/1/1889 1 28 Yes 124,012 0.80 7.55 Citizens National Bank of Somerset Somerset Citizens Bancshares, Inc. 2/14/1920 10 123 Yes 431,321 1.09 11.04 Citizens Union Bank of Shelbyville Shelbyville Citizens Union Bancorp of Shelbyville, Inc. 7/1/1888 15 178 No 840,764 1.36 10.12 Clinton Bank Clinton Clinton Bancorp, Inc. 9/1/1887 1 14 No 65,159 0.81 4.35 Commercial Bank West Liberty Commercial Bancshares, Inc. 1/1/1910 2 31 Yes 148,431 0.56 3.64 Commercial Bank of Grayson Grayson Commercial Grayson Bancshares, Inc. 1/1/1891 3 52 No 180,409 0.91 6.37 Commonwealth Bank and Trust Company Louisville Commonwealth Bancshares, Inc. 1/1/1881 17 279 Yes 1,084,491 0.72 7.54 Commonwealth Community Bank, Inc. Hartford Ohio County Community Bancshares, Inc. 7/5/1928 4 33 Yes 143,721 0.49 3.33 Community Financial Services Bank Benton Community Financial Services, Inc. 9/20/1890 7 270 No 1,228,743 0.92 10.16 Community Trust Bank, Inc. Pikeville Community Trust Bancorp, Inc. 11/17/1903 80 950 No 4,316,128 1.41 10.00 Cumberland Security Bank, Inc. Somerset First Commerce Bancorp, Inc. 8/13/1909 4 57 Yes 225,848 2.26 16.75 Cumberland Valley National Bank & Trust Company London Cumberland Valley Financial Corporation 10/1/1904 14 131 No 525,639 0.70 7.01 Dixon Bank Dixon 1/1/1895 1 12 No 82,690 0.74 3.11 Eclipse Bank, Inc. Louisville 10/14/2005 1 19 No 159,652 0.82 6.23 Edmonton State Bank Edmonton Edmonton Bancshares, Inc. 3/17/1897 13 155 Yes 547,436 1.58 11.00 Source: S&P Global Market Intelligence 77 Kentucky – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Elkton Bank & Trust Company Elkton Elkton Bancorp, Inc. 1/1/1866 4 31 No 139,586 1.36 10.50 Farmers & Traders Bank of Campton Campton Middlefork Financial Group Inc. 1/1/1902 1 13 Yes 46,617 0.68 5.84 Farmers Bank Nicholasville Farmers Bancorp of Nicholasville, Inc. 12/1/1934 4 31 No 155,279 0.92 8.35 Farmers Bank and Trust Company Princeton United Bancorp of Princeton, Inc. 1/2/1899 3 33 Yes 136,033 1.34 9.19 Farmers Bank and Trust Company Marion Farmers Bancorp, Inc. of Marion, Kentucky 12/1/1899 10 NA NA NA NA NA Farmers Bank of Milton Milton Farmers Financial Corporation 10/6/1902 5 49 No 250,295 0.95 6.35 Farmers Deposit Bank Liberty John R Turner Holding Company 1/1/1904 2 13 Yes 44,831 0.92 7.46 Farmers National Bank of Danville Danville Boyle Bancorp, Inc. 2/10/1879 13 179 No 557,929 0.97 8.61 Farmers National Bank of Lebanon Lebanon Lebanon Bancshares, Inc. 4/1/1890 2 26 No 100,347 0.53 4.98 Farmers National Bank of Scottsville Scottsville FNB Financial Corp. 11/3/1923 5 64 No 251,216 1.25 7.91 Farmers State Bank Booneville Middlefork Financial Group Inc. 1/2/1931 2 16 Yes 51,012 0.98 8.29 Field & Main Bank Henderson Field & Main Bancorp, Inc. 2/2/1934 6 124 No 456,745 1.04 9.48 First & Farmers National Bank, Inc. Somerset Albany Bancorp, Inc. 10/15/1903 11 147 No 525,165 0.55 4.25 First & Peoples Bank and Trust Company Russell First & Peoples Bancshares, Inc. 2/28/1932 4 56 No 198,476 0.79 4.44 First Community Bank of the Heartland, Inc. Clinton First Trust Financial Corporation 1/1/1936 8 70 Yes 245,450 0.68 7.05 First Federal Savings and Loan Association Morehead 8/12/1963 1 6 No 33,678 0.52 1.81 First Federal Savings and Loan Association (MHC) Hazard First Federal MHC 7/26/1960 1 9 No 82,909 0.69 3.04 First Federal Savings Bank of Kentucky (MHC) Frankfort First Federal MHC 9/28/1934 6 55 No 246,815 0.22 1.22 First Kentucky Bank, Inc. Mayfield Exchange Bancshares, Inc. 3/6/1899 11 99 Yes 445,911 0.80 8.76 First National Bank and Trust London First National London Bankshares Corporation 4/1/1903 4 58 No 211,590 0.52 4.67 First National Bank of Brooksville Brooksville FNB Bancshares, Inc. 7/7/1907 2 13 Yes 60,515 0.64 5.49 First National Bank of Grayson Grayson First Grayson Bancorp, Inc. 1/1/1902 8 96 No 252,928 1.64 14.23 First National Bank of Kentucky Carrollton Port William Bancshares, Inc. 11/1/1881 3 31 Yes 121,138 0.79 6.96 First National Bank of Manchester Manchester First National Financial Corporation 2/5/1905 4 36 No 138,654 0.85 6.14 First National Bank of Russell Springs Russell Springs First Bancorp, Inc. 1/1/1906 3 36 No 229,567 0.91 7.18 First Southern National Bank Lancaster First Southern Bancorp, Inc. 4/8/1865 15 212 No 897,729 1.21 11.18 First State Bank Irvington First Breckinridge Bancshares, Inc. 1/1/1903 3 69 No 223,316 1.40 12.74 First State Bank of the Southeast, Inc. Middlesboro First State Bancshares, Inc. 1/4/1904 10 89 Yes 346,798 0.05 0.61 First United Bank and Trust Company Madisonville First United Bancorp, Inc. 3/29/1996 5 79 Yes 323,495 0.93 7.54 FNB Bank, Inc. Mayfield Jackson Financial Corporation 5/1/1875 9 113 No 510,379 0.80 7.86 Forcht Bank, National Association Lexington Forcht Bancorp, Inc. 10/1/2002 24 286 No 1,225,747 0.59 4.76 Franklin Bank & Trust Company Franklin Franklin Bancorp, Inc. 12/1/1958 5 83 No 542,569 1.30 10.85 Fredonia Valley Bank Fredonia Fredonia Valley Bancorp, Inc. 1/24/1895 2 20 No 81,047 1.45 8.48 Hancock Bank and Trust Company Hawesville Hancock Bancorp, Inc. 7/1/1888 7 85 Yes 286,995 0.55 4.86 Hart County Bank and Trust Company Munfordville Hart Bancshares, Inc. 2/20/1890 1 7 No 26,978 1.37 5.74 Heritage Bank, Inc. Burlington Heritage Bancorp, Inc. 9/4/1990 19 192 No 922,395 0.96 10.67 Home Federal Bank Corporation Middlesboro HFB Financial Corporation 1/1/1920 6 93 No 391,092 0.78 6.92 Home Savings Bank, FSB Ludlow 1/1/1941 1 5 No 26,156 (0.53) (3.45) Hometown Bank of Corbin, Inc. Corbin Hometown Bancshares, Inc. 4/3/2000 6 57 No 177,427 1.10 12.49 Hyden Citizens Bank Hyden Middlefork Financial Group Inc. 9/1/1904 4 29 Yes 126,541 0.69 7.37 Independence Bank of Kentucky Owensboro Independence Bancshares, Inc. 1/1/1909 25 386 Yes 2,568,383 0.84 10.39 Inez Deposit Bank Inez Community Holding Company 5/1/1904 4 44 No 140,633 0.50 3.99 Jackson County Bank McKee 10/5/1904 3 41 No 133,699 1.52 5.53 Kentucky Bank Paris Kentucky Bancshares, Inc. 1/1/1915 18 234 No 1,079,519 1.11 10.81 Kentucky Farmers Bank Corporation Ashland 1/1/1931 4 57 Yes 187,310 1.23 5.15 Lewisburg Banking Company Lewisburg Lewisburg Bancshares Corporation 2/10/1894 4 35 Yes 134,558 1.42 13.57 Limestone Bank, Inc. Louisville Limestone Bancorp, Inc. 3/24/1902 16 226 No 1,126,043 1.10 9.95 Lincoln National Bank Hodgenville Hambac, Inc. 7/2/1930 5 106 No 313,466 1.35 10.14 Magnolia Bank Magnolia Magnolia Bancshares, Inc. 9/29/1919 5 332 Yes 320,976 2.46 24.92 Meade County Bank Brandenburg Meade Bancorp, Inc. 6/7/1984 4 42 No 212,767 1.16 12.38 Source: S&P Global Market Intelligence 78 Kentucky – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Metro Bank Louisville Louisville Development Bancorp, Inc. 1/6/1997 1 8 No 25,775 (1.45) (7.57) Monticello Banking Company Monticello Monticello Bankshares, Inc. 1/1/1895 19 205 No 764,178 1.03 9.51 Morgantown Bank & Trust Company, Incorporated Morgantown Morgantown Deposit Bancorp, Inc. 6/1/1880 5 55 No 205,221 0.62 7.04 Murray Bank Murray BancKentucky, Inc. 6/15/1999 3 59 Yes 312,168 1.01 10.91 Owingsville Banking Company Owingsville Bath County Banking Company 5/10/1893 3 23 No 69,770 0.42 6.51 Paducah Bank and Trust Company Paducah Paducah Bank Shares, Inc. 1/24/1948 6 121 Yes 713,187 1.08 9.33 PBK Bank, Inc. Stanford Community Bancshares, Inc. 1/1/1906 6 40 No 117,731 1.99 14.89 Peoples Bank Taylorsville Lake Valley Bancorp, Inc. 2/3/1903 2 33 Yes 102,776 1.04 8.45 Peoples Bank Marion Peoples-Marion Bancorp, Inc. 10/1/1946 3 20 No 71,788 0.91 9.88 Peoples Bank Lebanon Community Financial of Kentucky, Inc. 9/16/1910 2 11 No 59,474 0.94 9.43 Peoples Bank & Trust Company Owenton Owenton Bancorp, Inc. 1/1/1902 1 15 Yes 51,522 1.40 10.29 Peoples Bank & Trust Company of Hazard Hazard Hazard Bancorp 3/23/1923 7 59 Yes 235,129 0.07 1.10 Peoples Bank & Trust Company of Madison County Berea Whitaker Bank Corporation of Kentucky 10/19/1970 10 75 No 402,504 1.50 10.74 People's Bank and Trust Company of Clinton County Albany Upper Cumberland Bancshares, Inc. 3/20/2006 1 14 No 40,926 0.85 8.78 Peoples Bank Mt. Washington Mount Washington Crossroads Bancorp, Inc. 1/1/1909 2 23 Yes 86,328 1.06 8.43 Peoples Bank of Kentucky, Inc. Flemingsburg Peoples of Fleming County Bancorp, Inc. 4/6/1906 9 76 No 318,687 1.19 10.07 Peoples Exchange Bank Winchester Genbeach Co., Inc. 9/13/1912 10 92 No 415,138 1.04 11.25 Pinnacle Bank, Inc. Vanceburg 10/26/1976 3 20 No 49,996 0.92 5.57 Planters Bank, Inc. Hopkinsville Planters Financial Group, Inc. 9/12/1996 13 158 No 1,132,722 1.39 13.25 Republic Bank & Trust Company Louisville Republic Bancorp, Inc. 1/11/1982 46 1,093 No 6,093,237 1.52 12.72 River City Bank, Inc. Louisville First Breckinridge Bancshares, Inc. 6/26/1986 6 83 No 312,160 0.96 7.22 Sacramento Deposit Bank Sacramento Sacramento Bancorp 10/14/1895 2 20 Yes 109,927 1.34 11.30 Salyersville National Bank Salyersville SNB Bancorp, Inc. 10/10/1902 2 27 No 109,147 0.60 4.12 Sebree Deposit Bank Sebree Sebree Bankcorp 4/22/1890 1 10 No 21,902 (0.08) (0.68) Security Bank and Trust Company Maysville Security Bancorp of Maysville, Inc. 1/1/1928 3 12 Yes 54,350 1.09 5.49 South Central Bank, Inc. Glasgow South Central Bancshares of Kentucky, Inc. 1/1/1908 25 276 No 1,180,569 1.12 10.24 Springfield State Bank Springfield Springfield Bankshares, Inc. 1/1/1911 3 41 No 321,422 1.29 8.63 Stock Yards Bank & Trust Company Louisville Stock Yards Bancorp, Inc. 6/1/1904 41 622 No 3,529,915 1.94 17.71 Taylor County Bank Campbellsville Taylor County Bancshares, Inc. 9/1/1937 4 48 Yes 182,038 1.51 10.55 Town & Country Bank and Trust Company Bardstown First Farmers Bank Holding Company 9/9/1907 5 89 No 315,262 1.41 11.36 Traditional Bank, Inc. Mount Sterling Traditional Bancorporation, Inc. 3/17/1902 16 234 Yes 1,618,065 1.13 11.09 United Citizens Bank & Trust Company Campbellsburg United Citizens Financial Corporation 3/1/1872 5 40 No 110,227 1.42 11.49 United Citizens Bank of Southern Kentucky, Inc. Columbia United Citizens Bancorp, Inc. 12/6/2004 5 48 No 171,524 1.50 12.51 United Community Bank of West Kentucky, Inc. Morganfield United Community Bancshares, Inc. 12/10/2001 6 56 No 267,053 1.66 12.11 United Cumberland Bank Whitley City McCreary Bancshares, Inc. 1/1/1906 7 91 Yes 297,275 1.39 10.75 United Southern Bank Hopkinsville Todd Bancshares, Inc. 6/22/1922 9 65 No 218,390 1.27 11.40 Victory Community Bank Fort Mitchell Victory Trust 12/9/2002 3 31 Yes 179,176 2.64 17.89 West Point Bank Radcliff First Breckinridge Bancshares, Inc. 7/1/1914 5 46 No 295,268 0.79 9.54 Whitaker Bank, Inc. Lexington Whitaker Bank Corporation of Kentucky 4/19/1990 35 281 No 1,168,076 1.08 7.13 Wilson & Muir Bank & Trust Company Bardstown Wilson & Muir Bancorp, Inc. 12/18/1865 11 127 Yes 550,083 1.62 19.73 WinFirst Bank Winchester WinFirst Financial Corporation 1/1/1934 2 19 Yes 143,791 0.92 6.64
Source: S&P Global Market Intelligence 79 Kentucky – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 Republic Bank & Trust Company Louisville 1,093 46 3,977,272 86,462 132,462 3,639 5,575 6,093,237 2 Community Trust Bank, Inc. Pikeville 950 80 3,406,551 42,582 53,952 3,586 4,543 4,316,128 3 Stock Yards Bank & Trust Company Louisville 622 41 2,960,523 72,208 86,095 4,760 5,675 3,529,915 4 Central Bank & Trust Company Lexington 534 28 2,158,138 77,076 96,471 4,041 5,058 2,701,186 5 Independence Bank of Kentucky Owensboro 386 25 1,927,956 77,118 102,735 4,995 6,654 2,568,383 6 Traditional Bank, Inc. Mount Sterling 234 16 1,350,122 84,383 101,129 5,770 6,915 1,618,065 7 Community Financial Services Bank Benton 270 7 1,093,554 156,222 175,535 4,050 4,551 1,228,743 8 Forcht Bank, National Association Lexington 286 24 938,028 39,085 51,073 3,280 4,286 1,225,747 9 South Central Bank, Inc. Glasgow 276 25 1,005,248 40,210 47,223 3,642 4,277 1,180,569 10 Whitaker Bank, Inc. Lexington 281 35 921,753 26,336 33,374 3,280 4,157 1,168,076 11 Planters Bank, Inc. Hopkinsville 158 13 882,032 67,849 87,132 5,582 7,169 1,132,722 12 Limestone Bank, Inc. Louisville 226 16 928,536 58,034 70,378 4,109 4,982 1,126,043 13 Commonwealth Bank and Trust Company Louisville 279 17 881,702 51,865 63,794 3,160 3,887 1,084,491 14 Kentucky Bank Paris 234 18 835,721 46,429 59,973 3,571 4,613 1,079,519 15 Heritage Bank, Inc. Burlington 192 19 806,926 42,470 48,547 4,203 4,804 922,395 16 Cecilian Bank Cecilia 226 15 722,868 48,191 61,422 3,199 4,077 921,331 17 First Southern National Bank Lancaster 212 15 793,135 52,876 59,849 3,741 4,235 897,729 18 Citizens Union Bank of Shelbyville Shelbyville 178 15 658,392 43,893 56,051 3,699 4,723 840,764 19 Monticello Banking Company Monticello 205 19 663,592 34,926 40,220 3,237 3,728 764,178 20 Paducah Bank and Trust Company Paducah 121 6 551,595 91,933 118,865 4,559 5,894 713,187 21 Citizens Bank of Kentucky Paintsville 159 12 531,506 44,292 53,827 3,343 4,062 645,918 22 Farmers National Bank of Danville Danville 179 13 474,750 36,519 42,918 2,652 3,117 557,929 23 Wilson & Muir Bank & Trust Company Bardstown 127 11 481,630 43,785 50,008 3,792 4,331 550,083 24 Edmonton State Bank Edmonton 155 13 439,534 33,810 42,110 2,836 3,532 547,436 25 Franklin Bank & Trust Company Franklin 83 5 414,034 82,807 108,514 4,988 6,537 542,569 26 Cumberland Valley National Bank & Trust Company London 131 14 469,680 33,549 37,546 3,585 4,013 525,639 27 First & Farmers National Bank, Inc. Somerset 147 11 439,781 39,980 47,742 2,992 3,573 525,165 28 FNB Bank, Inc. Mayfield 113 9 420,818 46,758 56,709 3,724 4,517 510,379 29 Citizens Deposit Bank & Trust Vanceburg 100 17 413,616 24,330 27,970 4,136 4,755 475,493 30 Field & Main Bank Henderson 124 6 397,351 66,225 76,124 3,204 3,683 456,745 31 First Kentucky Bank, Inc. Mayfield 99 11 369,119 33,556 40,537 3,728 4,504 445,911 32 Citizens National Bank of Somerset Somerset 123 10 347,108 34,711 43,132 2,822 3,507 431,321 33 American Bank & Trust Company, Inc. Bowling Green 79 5 369,386 73,877 85,225 4,676 5,394 426,127 34 Peoples Exchange Bank Winchester 92 10 347,864 34,786 41,514 3,781 4,512 415,138 35 Peoples Bank & Trust Company of Madison County Berea 75 10 305,588 30,559 40,250 4,075 5,367 402,504 36 Home Federal Bank Corporation Middlesboro 93 6 313,618 52,270 65,182 3,372 4,205 391,092 37 First State Bank of the Southeast, Inc. Middlesboro 89 10 295,512 29,551 34,680 3,320 3,897 346,798 38 First United Bank and Trust Company Madisonville 79 5 254,266 50,853 64,699 3,219 4,095 323,495 39 Springfield State Bank Springfield 41 3 230,114 76,705 107,141 5,613 7,840 321,422 40 Magnolia Bank Magnolia 332 5 266,993 53,399 64,195 804 967 320,976 41 Peoples Bank of Kentucky, Inc. Flemingsburg 76 9 270,293 30,033 35,410 3,556 4,193 318,687 42 Town & Country Bank and Trust Company Bardstown 89 5 273,131 54,626 63,052 3,069 3,542 315,262 43 Lincoln National Bank Hodgenville 106 5 259,961 51,992 62,693 2,452 2,957 313,466 44 Murray Bank Murray 59 3 279,478 93,159 104,056 4,737 5,291 312,168 45 River City Bank, Inc. Louisville 83 6 253,346 42,224 52,027 3,052 3,761 312,160 46 United Cumberland Bank Whitley City 91 7 241,348 34,478 42,468 2,652 3,267 297,275 47 Hancock Bank and Trust Company Hawesville 85 7 232,232 33,176 40,999 2,732 3,376 286,995 48 1st Trust Bank, Inc. Hazard 49 4 237,847 59,462 67,809 4,854 5,535 271,236 49 United Community Bank of West Kentucky, Inc. Morganfield 56 6 209,309 34,885 44,509 3,738 4,769 267,053 50 Citizens Commerce Bank Versailles 63 5 232,712 46,542 53,353 3,694 4,234 266,765
Source: S&P Global Market Intelligence 80 Kentucky – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Bank of the Mountains, Inc. West Liberty 72,286 7.18 2.78 0.58 3.54 85.66 1.58 5.81 2 Citizens Bank of Cumberland County Burkesville 75,967 7.12 2.16 0.66 1.10 82.76 1.83 5.43 3 PBK Bank, Inc. Stanford 117,731 6.52 3.56 0.20 0.49 83.03 2.96 5.40 4 Farmers Deposit Bank Liberty 44,831 6.50 (4.34) 0.48 (1.47) 84.13 1.50 5.31 5 People's Bank and Trust Company of Clinton County Albany 40,926 7.03 5.85 1.54 6.42 96.02 2.17 5.03 6 Pinnacle Bank, Inc. Vanceburg 49,996 6.31 (3.33) 1.03 0.99 98.63 3.57 4.88 7 Peoples Bank Mt. Washington Mount Washington 86,328 5.62 13.89 0.11 (4.25) 86.51 3.28 4.69 8 United Cumberland Bank Whitley City 297,275 6.67 0.15 0.77 2.08 82.41 2.19 4.64 9 Kentucky Farmers Bank Corporation Ashland 187,310 6.05 6.59 0.46 8.41 62.31 4.83 4.63 9 Citizens Bank Morehead 142,936 5.63 (0.89) 0.49 2.24 88.47 2.14 4.63 11 Republic Bank & Trust Company Louisville 6,093,237 5.93 16.36 0.73 8.38 121.85 2.60 4.60 12 First Southern National Bank Lancaster 897,729 5.55 1.93 0.17 5.03 78.79 1.99 4.57 12 Taylor County Bank Campbellsville 182,038 6.17 2.28 0.66 1.65 88.09 2.80 4.57 14 Peoples Bank Marion 71,788 6.69 18.44 1.55 31.02 87.94 1.84 4.56 15 Peoples Bank & Trust Company Owenton 51,522 5.77 0.84 0.49 (3.36) 90.77 2.94 4.55 16 Bank of Columbia Columbia 143,752 5.79 6.58 0.83 1.93 99.10 2.59 4.50 17 Auburn Banking Company Auburn 81,007 5.89 (4.28) 0.64 3.01 81.17 1.77 4.45 18 Fredonia Valley Bank Fredonia 81,047 5.43 2.59 0.38 (0.47) 93.65 3.24 4.39 19 Lincoln National Bank Hodgenville 313,466 5.71 9.27 0.83 9.79 92.75 3.25 4.38 20 Citizens Bank & Trust Co. of Jackson Jackson 139,455 5.88 3.69 0.84 (3.51) 88.58 2.08 4.37 21 Casey County Bank, Inc. Liberty 196,010 5.98 2.69 0.75 9.25 82.63 2.50 4.36 22 Sacramento Deposit Bank Sacramento 109,927 6.15 4.90 0.80 5.82 74.50 3.25 4.35 22 Farmers Bank and Trust Company Princeton 136,033 5.56 9.07 0.65 1.47 98.05 2.91 4.35 24 Citizens Bank Mount Vernon 145,337 5.59 2.99 0.97 (0.49) 96.36 2.91 4.32 24 United Citizens Bank & Trust Company Campbellsburg 110,227 5.96 8.25 0.51 0.25 86.24 2.24 4.32 26 Lewisburg Banking Company Lewisburg 134,558 5.87 1.51 0.48 8.05 78.26 2.53 4.30 27 Wilson & Muir Bank & Trust Company Bardstown 550,083 5.80 2.42 0.16 8.19 62.80 2.71 4.29 28 Citizens Union Bank of Shelbyville Shelbyville 840,764 5.76 12.40 1.10 11.06 102.06 2.48 4.28 29 Owingsville Banking Company Owingsville 69,770 6.78 (1.79) 1.32 (0.66) 80.09 2.73 4.27 30 Bank of Clarkson Clarkson 120,609 5.84 9.06 0.59 (0.84) 86.94 2.19 4.26 31 Carrollton Federal Bank Carrollton 32,086 4.99 4.43 0.47 (6.39) 97.44 1.95 4.24 32 United Citizens Bank of Southern Kentucky, Inc. Columbia 171,524 5.77 9.26 1.22 8.75 99.03 1.98 4.23 33 Jackson County Bank McKee 133,699 6.73 2.77 0.51 (0.23) 75.51 2.32 4.21 33 Peoples Bank Taylorsville 102,776 6.12 6.52 0.77 0.80 79.75 2.84 4.21 35 Edmonton State Bank Edmonton 547,436 5.74 4.17 0.90 7.20 92.36 2.37 4.20 35 First National Bank of Grayson Grayson 252,928 5.92 (0.16) 0.57 (1.26) 72.98 2.19 4.20 37 United Southern Bank Hopkinsville 218,390 5.54 2.30 0.66 (3.90) 91.14 2.26 4.18 38 Citizens Guaranty Bank Irvine 200,016 6.09 17.09 1.43 27.89 96.50 2.31 4.15 39 Peoples Bank of Kentucky, Inc. Flemingsburg 318,687 5.78 5.40 1.18 7.49 97.67 1.98 4.13 40 Peoples Bank & Trust Company of Madison County Berea 402,504 5.18 5.61 0.22 (2.03) 84.71 2.59 4.11 40 Town & Country Bank and Trust Company Bardstown 315,262 5.14 8.86 0.12 2.56 80.09 2.03 4.11 42 Commercial Bank West Liberty 148,431 5.60 15.68 0.60 6.67 79.91 2.72 4.10 43 Farmers National Bank of Scottsville Scottsville 251,216 5.75 (2.56) 0.86 0.54 86.60 2.55 4.09 44 Farmers State Bank Booneville 51,012 5.85 5.14 0.43 (5.72) 57.90 3.25 4.07 45 Hometown Bank of Corbin, Inc. Corbin 177,427 5.43 (0.15) 0.50 11.33 75.77 2.82 4.06 46 Farmers National Bank of Danville Danville 557,929 4.99 5.73 0.42 10.26 84.93 3.57 4.04 47 Field & Main Bank Henderson 456,745 5.24 10.64 0.83 9.60 92.52 4.00 4.03 48 United Community Bank of West Kentucky, Inc. Morganfield 267,053 5.69 5.65 0.94 4.69 88.95 2.87 4.02 48 Central Bank & Trust Company Lexington 2,701,186 5.06 2.43 0.67 4.15 96.54 2.59 4.02 50 First State Bank Irvington 223,316 5.68 12.67 0.85 16.87 80.93 2.09 4.00
Source: S&P Global Market Intelligence 81 Kentucky – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Magnolia Bank Magnolia 320,976 8,797 0.14 16.61 0.59 0.00 52,796 19.68 2 Victory Community Bank Fort Mitchell 179,176 5,997 0.01 2.61 0.37 0.00 6,088 3.58 3 Commonwealth Bank and Trust Company Louisville 1,084,491 9,904 0.17 1.22 0.38 0.00 31,333 3.03 4 River City Bank, Inc. Louisville 312,160 3,097 0.17 0.00 0.00 0.00 6,308 1.95 5 Farmers National Bank of Danville Danville 557,929 5,319 0.35 0.00 0.00 0.00 9,527 1.74 6 Field & Main Bank Henderson 456,745 4,671 0.23 0.09 0.00 0.00 7,429 1.66 7 Stock Yards Bank & Trust Company Louisville 3,529,915 64,886 0.28 0.06 0.02 0.00 49,525 1.48 8 Central Bank & Trust Company Lexington 2,701,186 31,328 0.28 0.12 0.00 0.00 38,084 1.46 9 Metro Bank Louisville 25,775 (385) 0.00 0.00 0.00 0.00 378 1.43 10 Bank of the Bluegrass & Trust Co. Lexington 265,619 3,728 0.14 0.16 0.00 0.00 3,604 1.37 11 Bankers' Bank of Kentucky, Inc. Frankfort 134,564 753 0.40 0.00 0.00 0.00 1,832 1.35 11 First National Bank of Grayson Grayson 252,928 4,126 0.77 0.02 0.03 (0.01) 3,391 1.35 13 PBK Bank, Inc. Stanford 117,731 2,339 0.65 0.00 0.00 0.00 1,435 1.22 13 Town & Country Bank and Trust Company Bardstown 315,262 4,417 0.20 0.07 0.00 0.05 3,848 1.22 15 Republic Bank & Trust Company Louisville 6,093,237 82,408 0.26 0.20 0.02 0.01 65,973 1.21 16 Kentucky Bank Paris 1,079,519 12,030 0.34 0.12 0.00 0.01 12,830 1.18 17 Hometown Bank of Corbin, Inc. Corbin 177,427 1,887 0.42 0.03 0.00 0.00 1,983 1.16 18 Citizens Bank & Trust Co. of Jackson Jackson 139,455 1,461 0.78 0.00 0.00 0.00 1,630 1.13 19 Citizens Bank Hartford 116,299 1,475 0.25 0.58 0.00 0.00 1,203 1.12 19 Cumberland Valley National Bank & Trust Company London 525,639 3,572 0.25 0.00 0.02 0.01 5,732 1.12 19 Peoples Bank & Trust Company Owenton 51,522 1,002 0.43 0.00 0.00 0.00 601 1.12 22 Farmers State Bank Booneville 51,012 657 0.85 0.00 0.00 0.03 548 1.09 23 Citizens National Bank of Somerset Somerset 431,321 6,009 0.38 0.05 0.06 0.06 4,485 1.08 24 Whitaker Bank, Inc. Lexington 1,168,076 12,919 0.37 0.02 0.00 0.01 12,575 1.06 25 Paducah Bank and Trust Company Paducah 713,187 9,622 0.29 0.13 0.00 0.00 6,955 1.04 26 Kentucky Farmers Bank Corporation Ashland 187,310 2,988 0.19 0.00 0.00 0.02 1,796 0.99 27 Farmers Deposit Bank Liberty 44,831 549 0.63 0.00 0.00 0.00 441 0.98 27 First Community Bank of the Heartland, Inc. Clinton 245,450 2,138 0.53 0.00 0.09 (0.01) 2,313 0.98 27 South Central Bank, Inc. Glasgow 1,180,569 13,139 0.27 0.20 0.04 0.01 11,495 0.98 30 Bank of the Mountains, Inc. West Liberty 72,286 515 0.43 0.00 0.00 (0.02) 694 0.97 31 United Cumberland Bank Whitley City 297,275 5,429 0.53 0.02 0.00 (0.04) 2,824 0.96 31 Morgantown Bank & Trust Company, Incorporated Morgantown 205,221 1,233 0.30 0.00 0.00 0.00 1,896 0.96 33 Edmonton State Bank Edmonton 547,436 11,286 0.30 0.16 0.09 0.00 4,934 0.92 34 Peoples Exchange Bank Winchester 415,138 4,177 0.40 0.14 0.00 0.00 3,564 0.89 35 Community Trust Bank, Inc. Pikeville 4,316,128 60,302 0.55 0.04 0.00 (0.01) 37,456 0.88 35 Farmers Bank and Trust Company Princeton 136,033 2,332 0.34 0.00 0.00 0.00 1,152 0.88 35 Citizens Union Bank of Shelbyville Shelbyville 840,764 10,760 0.30 0.19 0.00 0.02 6,953 0.88 38 Bank of Clarkson Clarkson 120,609 2,092 0.69 0.00 0.00 (0.01) 1,025 0.86 39 Citizens Bank Hickman 138,843 454 0.34 0.00 0.00 0.02 1,164 0.85 40 Peoples Bank Mt. Washington Mount Washington 86,328 1,216 0.14 0.09 0.11 0.00 726 0.84 40 Home Federal Bank Corporation Middlesboro 391,092 2,965 0.36 0.07 0.00 0.00 3,229 0.84 42 Hancock Bank and Trust Company Hawesville 286,995 2,075 0.08 0.16 0.10 0.00 2,347 0.82 43 Citizens Bank of Kentucky Paintsville 645,918 5,767 0.35 0.00 0.00 (0.02) 4,834 0.80 44 First United Bank and Trust Company Madisonville 323,495 4,026 0.22 0.06 0.00 0.00 2,568 0.79 44 Forcht Bank, National Association Lexington 1,225,747 7,277 0.37 0.05 0.03 0.00 9,798 0.79 44 Franklin Bank & Trust Company Franklin 542,569 6,804 0.51 0.08 0.00 0.00 4,144 0.79 47 Bedford Loan & Deposit Bank Bedford 93,952 988 0.39 0.00 0.00 0.00 714 0.77 47 Citizens Bank Morehead 142,936 1,310 0.63 0.00 0.00 (0.12) 1,057 0.77 49 Citizens Bank Mount Vernon 145,337 1,340 0.24 0.00 0.00 0.00 1,085 0.76 49 First & Peoples Bank and Trust Company Russell 198,476 1,583 0.28 0.00 0.00 0.00 1,516 0.76
Source: S&P Global Market Intelligence 82 Kentucky – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Bank of Buffalo Buffalo 73,457 48.75 15 2 1.02 0.17 0.44 1.63 2 Bank of Hindman Hindman 211,381 58.13 29 2 0.97 0.16 0.60 1.74 3 Bankers' Bank of Kentucky, Inc. Frankfort 134,564 70.04 20 1 1.18 0.25 0.44 1.87 4 Dixon Bank Dixon 82,690 64.90 12 1 1.07 0.08 0.73 1.88 5 Traditional Bank, Inc. Mount Sterling 1,618,065 54.49 234 16 1.15 0.27 0.55 1.98 6 Planters Bank, Inc. Hopkinsville 1,132,722 52.33 158 13 1.14 0.23 0.69 2.06 7 WinFirst Bank Winchester 143,791 62.63 19 2 1.14 0.18 0.78 2.10 8 Citizens Federal Savings and Loan Association Covington 39,537 68.51 5 1 1.18 0.36 0.58 2.12 9 First Federal Savings and Loan Association (MHC) Hazard 82,909 70.91 9 1 1.31 0.16 0.67 2.14 10 Springfield State Bank Springfield 321,422 59.78 41 3 1.37 0.12 0.69 2.18 11 Bank of Jamestown Jamestown 205,580 60.39 33 3 1.29 0.24 0.65 2.18 12 Citizens Deposit Bank of Arlington, Inc. Arlington 233,091 53.94 42 4 1.15 0.16 0.87 2.18 13 Security Bank and Trust Company Maysville 54,350 58.77 12 3 0.97 0.22 1.03 2.22 14 Cecilian Bank Cecilia 921,331 53.73 226 15 1.14 0.30 0.80 2.24 15 Murray Bank Murray 312,168 60.45 59 3 1.19 0.22 0.83 2.24 16 Independence Bank of Kentucky Owensboro 2,568,383 63.65 386 25 1.30 0.27 0.69 2.25 17 American Bank & Trust Company, Inc. Bowling Green 426,127 59.88 79 5 1.38 0.20 0.78 2.36 18 Franklin Bank & Trust Company Franklin 542,569 56.10 83 5 1.28 0.18 0.91 2.38 19 Meade County Bank Brandenburg 212,767 63.24 42 4 1.21 0.52 0.68 2.40 20 Citizens National Bank of Lebanon Lebanon 124,012 67.15 28 1 1.43 0.31 0.69 2.43 21 Century Bank of Kentucky, Inc. Lawrenceburg 141,935 60.21 22 2 1.20 0.17 1.06 2.43 22 1st Trust Bank, Inc. Hazard 271,236 78.93 49 4 1.19 0.36 0.91 2.46 23 Clinton Bank Clinton 65,159 69.87 14 1 1.35 0.12 0.99 2.46 24 Citizens Deposit Bank & Trust Vanceburg 475,493 59.36 100 17 1.12 0.31 1.04 2.47 25 Citizens Bank & Trust Company Campbellsville 227,036 60.98 49 4 1.33 0.34 0.80 2.47 26 Bank of Lexington, Inc. Lexington 249,135 71.46 49 3 1.45 0.40 0.65 2.50 27 United Community Bank of West Kentucky, Inc. Morganfield 267,053 54.15 56 6 1.34 0.18 0.98 2.50 28 Wilson & Muir Bank & Trust Company Bardstown 550,083 51.90 127 11 1.51 0.20 0.80 2.51 29 Eclipse Bank, Inc. Louisville 159,652 71.36 19 1 1.36 0.19 0.99 2.53 30 Community Trust Bank, Inc. Pikeville 4,316,128 58.67 950 80 1.30 0.25 0.99 2.54 31 Limestone Bank, Inc. Louisville 1,126,043 65.42 226 16 1.41 0.33 0.81 2.55 32 Bank of Maysville Maysville 127,004 66.31 25 3 1.40 0.19 0.96 2.55 33 Community Financial Services Bank Benton 1,228,743 64.05 270 7 1.30 0.39 0.87 2.56 34 Farmers Bank of Milton Milton 250,295 67.85 49 5 1.40 0.24 0.93 2.57 35 Commonwealth Community Bank, Inc. Hartford 143,721 77.75 33 4 1.11 0.34 1.14 2.59 36 Elkton Bank & Trust Company Elkton 139,586 60.21 31 4 1.54 0.19 0.89 2.61 37 Sacramento Deposit Bank Sacramento 109,927 55.96 20 2 1.44 0.22 0.96 2.62 38 Bank of Edmonson County Brownsville 217,905 62.07 50 3 1.35 0.31 0.97 2.63 39 FNB Bank, Inc. Mayfield 510,379 66.68 113 9 1.51 0.22 0.91 2.63 40 First National Bank of Russell Springs Russell Springs 229,567 69.55 36 3 1.41 0.34 0.89 2.64 41 Farmers Bank Nicholasville 155,279 67.66 31 4 1.43 0.29 0.94 2.65 42 First Federal Savings Bank of Kentucky (MHC) Frankfort 246,815 90.09 55 6 1.77 0.23 0.68 2.69 43 Edmonton State Bank Edmonton 547,436 55.06 155 13 1.51 0.25 0.93 2.69 44 Jackson County Bank McKee 133,699 56.79 41 3 1.60 0.18 0.93 2.71 45 United Citizens Bank of Southern Kentucky, Inc. Columbia 171,524 58.08 48 5 1.20 0.31 1.23 2.75 46 Peoples Bank & Trust Company of Madison County Berea 402,504 61.54 75 10 1.21 0.46 1.08 2.75 47 Hart County Bank and Trust Company Munfordville 26,978 64.54 7 1 1.17 0.48 1.10 2.75 48 Bank of Clarkson Clarkson 120,609 55.44 23 2 1.36 0.20 1.20 2.76 49 Stock Yards Bank & Trust Company Louisville 3,529,915 53.61 622 41 1.69 0.28 0.79 2.76 50 First State Bank Irvington 223,316 62.96 69 3 1.50 0.19 1.08 2.76
Source: S&P Global Market Intelligence 83 Kentucky – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Hart County Bank and Trust Company Munfordville 26,978 17,816 5.69 0.00 0.00 0.00 (0.09) (0.09) 2 Bankers' Bank of Kentucky, Inc. Frankfort 134,564 39,327 1.07 0.00 0.00 0.00 (0.01) (0.01) 3 Peoples Bank Lebanon 59,474 33,380 0.91 0.01 0.00 0.00 0.00 0.01 4 Farmers National Bank of Lebanon Lebanon 100,347 51,276 1.63 0.21 0.00 0.09 (0.15) 0.15 5 Magnolia Bank Magnolia 320,976 254,839 0.64 0.13 0.00 0.10 (0.05) 0.19 6 Bank of the Bluegrass & Trust Co. Lexington 265,619 198,869 1.62 0.22 0.03 0.01 (0.06) 0.20 7 Stock Yards Bank & Trust Company Louisville 3,529,915 2,863,008 0.94 0.28 0.02 0.10 (0.02) 0.37 8 Farmers Bank Nicholasville 155,279 99,093 1.57 0.41 0.00 0.04 (0.01) 0.44 9 First Kentucky Bank, Inc. Mayfield 445,911 302,798 1.43 0.26 0.01 0.17 0.03 0.47 10 Citizens Bank Hartford 116,299 96,893 0.43 0.51 0.00 0.08 0.01 0.61 11 Meade County Bank Brandenburg 212,767 157,863 0.12 0.53 0.00 0.15 0.01 0.69 12 Hometown Bank of Corbin, Inc. Corbin 177,427 114,922 1.04 0.11 0.00 0.51 0.09 0.71 13 Bank of Lexington, Inc. Lexington 249,135 207,842 0.89 0.69 0.02 0.00 0.00 0.71 14 United Community Bank of West Kentucky, Inc. Morganfield 267,053 186,180 1.41 0.26 0.00 0.37 0.09 0.72 15 Morgantown Bank & Trust Company, Incorporated Morgantown 205,221 154,327 0.80 0.25 0.12 0.35 0.01 0.73 16 Sebree Deposit Bank Sebree 21,902 13,222 1.36 0.50 0.23 0.00 0.00 0.73 17 Traditional Bank, Inc. Mount Sterling 1,618,065 1,125,050 1.20 0.22 0.00 0.44 0.08 0.74 18 Farmers Bank and Trust Company Princeton 136,033 102,930 1.51 0.63 0.03 0.07 0.02 0.76 19 Victory Community Bank Fort Mitchell 179,176 153,588 0.85 0.22 0.00 0.66 (0.12) 0.76 20 Cecilian Bank Cecilia 921,331 593,674 1.58 0.33 0.01 0.55 (0.05) 0.83 21 First United Bank and Trust Company Madisonville 323,495 248,909 1.15 0.12 0.05 0.65 0.01 0.84 22 Commonwealth Bank and Trust Company Louisville 1,084,491 828,615 1.04 0.44 0.01 0.38 0.02 0.85 23 Limestone Bank, Inc. Louisville 1,126,043 803,569 1.11 0.19 0.00 0.70 (0.03) 0.86 24 Central Bank & Trust Company Lexington 2,701,186 2,084,882 0.94 0.12 0.00 0.56 0.20 0.89 25 Peoples Exchange Bank Winchester 415,138 340,850 1.20 0.37 0.07 0.41 0.05 0.90 26 First National Bank of Kentucky Carrollton 121,138 85,904 1.38 0.29 0.03 0.41 0.25 0.98 27 American Bank & Trust Company, Inc. Bowling Green 426,127 346,853 0.95 0.43 0.00 0.50 0.10 1.03 28 Lincoln National Bank Hodgenville 313,466 241,106 1.20 0.39 0.00 0.68 0.04 1.10 29 Independence Bank of Kentucky Owensboro 2,568,383 1,364,657 0.97 0.33 0.00 0.75 0.05 1.13 30 Kentucky Bank Paris 1,079,519 737,499 1.12 0.42 0.31 0.33 0.12 1.18 31 Planters Bank, Inc. Hopkinsville 1,132,722 868,952 1.48 0.10 0.00 1.08 0.00 1.18 32 Murray Bank Murray 312,168 230,746 1.36 0.60 0.00 0.56 0.05 1.21 33 Paducah Bank and Trust Company Paducah 713,187 545,057 1.18 0.17 0.02 0.89 0.13 1.22 34 Bank of Maysville Maysville 127,004 76,640 0.89 0.14 0.52 0.56 0.01 1.24 35 Farmers National Bank of Scottsville Scottsville 251,216 174,947 1.09 0.62 0.04 0.57 0.03 1.26 36 Blue Grass Federal Savings and Loan Association Paris 35,560 23,687 1.79 0.49 0.27 0.51 0.00 1.26 37 FNB Bank, Inc. Mayfield 510,379 378,945 1.70 0.34 0.06 0.80 0.07 1.27 38 Home Federal Bank Corporation Middlesboro 391,092 289,805 1.23 0.41 0.00 0.85 0.02 1.28 39 Bank of Columbia Columbia 143,752 118,409 1.41 0.32 0.00 0.89 0.09 1.30 40 Bank of Cadiz and Trust Company Cadiz 117,599 63,852 0.92 0.38 0.07 0.71 0.18 1.34 41 Town & Country Bank and Trust Company Bardstown 315,262 218,740 1.00 0.20 0.00 1.18 (0.03) 1.35 42 Bank of Clarkson Clarkson 120,609 85,207 0.32 1.20 0.14 0.02 0.02 1.38 43 First State Bank Irvington 223,316 157,641 0.22 0.46 0.73 0.17 0.02 1.38 44 Security Bank and Trust Company Maysville 54,350 28,376 0.99 0.99 0.02 0.21 0.19 1.41 45 Forcht Bank, National Association Lexington 1,225,747 869,027 1.04 0.23 0.00 1.17 0.03 1.43 46 Hancock Bank and Trust Company Hawesville 286,995 227,226 1.45 0.31 0.00 1.24 (0.06) 1.48 47 South Central Bank, Inc. Glasgow 1,180,569 907,553 1.11 0.38 0.00 1.03 0.11 1.51 48 First Community Bank of the Heartland, Inc. Clinton 245,450 166,144 1.01 1.11 0.08 0.23 0.09 1.51 49 Commonwealth Community Bank, Inc. Hartford 143,721 34,652 1.95 0.72 0.46 0.29 0.10 1.58 50 Commercial Bank West Liberty 148,431 92,029 0.97 0.60 0.50 0.48 0.02 1.60
Source: S&P Global Market Intelligence 84 Kentucky – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Magnolia Bank Magnolia 320,976 8,797 332 26 3,275 5,543 2.46 24.92 2 Wilson & Muir Bank & Trust Company Bardstown 550,083 11,490 127 90 10,024 8,694 1.62 19.73 3 Victory Community Bank Fort Mitchell 179,176 5,997 31 193 5,411 6,044 2.64 17.89 4 Stock Yards Bank & Trust Company Louisville 3,529,915 64,886 622 104 48,946 43,816 1.94 17.71 5 Auburn Banking Company Auburn 81,007 1,551 23 67 1,398 1,207 1.46 16.31 6 Citizens Bank Hartford 116,299 1,475 32 46 818 483 1.37 16.24 7 Bank of Columbia Columbia 143,752 2,831 37 77 2,823 2,959 1.50 14.90 8 PBK Bank, Inc. Stanford 117,731 2,339 40 58 1,861 1,379 1.99 14.89 9 Cecilian Bank Cecilia 921,331 13,625 226 60 9,472 7,054 1.52 14.40 10 First National Bank of Grayson Grayson 252,928 4,126 96 43 3,302 2,682 1.64 14.23 11 Citizens Deposit Bank & Trust Vanceburg 475,493 6,009 100 60 5,145 4,779 1.31 13.58 12 Lewisburg Banking Company Lewisburg 134,558 2,383 35 68 2,178 1,845 1.42 13.57 13 American Bank & Trust Company, Inc. Bowling Green 426,127 4,525 79 57 3,503 2,567 1.13 13.36 14 Planters Bank, Inc. Hopkinsville 1,132,722 15,022 158 95 14,053 15,425 1.39 13.25 15 Bank of Clarkson Clarkson 120,609 2,092 23 91 1,694 1,604 1.75 13.08 16 First State Bank Irvington 223,316 2,880 69 42 2,201 1,702 1.40 12.74 17 Republic Bank & Trust Company Louisville 6,093,237 82,408 1,093 75 65,856 50,380 1.52 12.72 18 United Citizens Bank of Southern Kentucky, Inc. Columbia 171,524 2,447 48 51 2,075 1,641 1.50 12.51 19 Hometown Bank of Corbin, Inc. Corbin 177,427 1,887 57 33 1,245 949 1.10 12.49 20 Meade County Bank Brandenburg 212,767 2,389 42 57 1,807 1,939 1.16 12.38 21 United Community Bank of West Kentucky, Inc. Morganfield 267,053 4,347 56 78 3,912 3,739 1.66 12.11 22 Bank of the Bluegrass & Trust Co. Lexington 265,619 3,728 62 60 3,358 2,805 1.42 12.00 23 Century Bank of Kentucky, Inc. Lawrenceburg 141,935 2,254 22 102 2,316 2,298 1.20 11.69 24 United Citizens Bank & Trust Company Campbellsburg 110,227 1,566 40 39 1,076 931 1.42 11.49 25 Citizens Bank of Cumberland County Burkesville 75,967 1,529 24 64 1,488 1,390 1.53 11.45 26 United Southern Bank Hopkinsville 218,390 2,791 65 43 1,829 1,288 1.27 11.40 27 Town & Country Bank and Trust Company Bardstown 315,262 4,417 89 50 2,165 2,586 1.41 11.36 28 Sacramento Deposit Bank Sacramento 109,927 1,912 20 96 1,905 1,866 1.34 11.30 29 Peoples Exchange Bank Winchester 415,138 4,177 92 45 3,461 2,472 1.04 11.25 30 First Southern National Bank Lancaster 897,729 10,450 212 49 9,086 7,663 1.21 11.18 31 Casey County Bank, Inc. Liberty 196,010 2,627 53 50 2,491 1,910 1.37 11.09 32 Traditional Bank, Inc. Mount Sterling 1,618,065 23,123 234 99 24,433 23,730 1.13 11.09 33 Citizens National Bank of Somerset Somerset 431,321 6,009 123 49 5,640 5,366 1.09 11.04 34 Edmonton State Bank Edmonton 547,436 11,286 155 73 9,686 8,846 1.58 11.00 35 Murray Bank Murray 312,168 4,128 59 70 3,196 2,661 1.01 10.91 36 Franklin Bank & Trust Company Franklin 542,569 6,804 83 82 5,364 6,092 1.30 10.85 37 Kentucky Bank Paris 1,079,519 12,030 234 51 11,939 9,973 1.11 10.81 38 United Cumberland Bank Whitley City 297,275 5,429 91 60 4,673 4,621 1.39 10.75 39 Peoples Bank & Trust Company of Madison County Berea 402,504 6,025 75 80 2,786 3,592 1.50 10.74 40 Heritage Bank, Inc. Burlington 922,395 8,486 192 44 6,958 6,699 0.96 10.67 41 Bank of Buffalo Buffalo 73,457 1,181 15 79 965 1,474 1.20 10.64 42 Taylor County Bank Campbellsville 182,038 3,697 48 77 3,731 4,130 1.51 10.55 43 Elkton Bank & Trust Company Elkton 139,586 1,873 31 60 1,819 1,335 1.36 10.50 44 Central Bank & Trust Company Lexington 2,701,186 31,328 534 59 24,033 17,691 1.20 10.42 45 Independence Bank of Kentucky Owensboro 2,568,383 27,170 386 70 29,809 31,168 0.84 10.39 46 Peoples Bank & Trust Company Owenton 51,522 1,002 15 67 644 688 1.40 10.29 47 South Central Bank, Inc. Glasgow 1,180,569 13,139 276 48 10,272 8,871 1.12 10.24 48 Community Financial Services Bank Benton 1,228,743 11,000 270 41 7,986 10,052 0.92 10.16 49 Lincoln National Bank Hodgenville 313,466 4,044 106 38 3,439 2,834 1.35 10.14 50 Citizens Union Bank of Shelbyville Shelbyville 840,764 10,760 178 60 7,209 11,476 1.36 10.12
Source: S&P Global Market Intelligence 85 Kentucky – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Stock Yards Bank & Trust Company Louisville 3,529,915 68 7 49 7 4 27.0 2 Citizens Bank Hartford 116,299 53 19 67 10 6 31.0 3 United Community Bank of West Kentucky, Inc. Morganfield 267,053 48 56 27 14 21 33.2 4 Republic Bank & Trust Company Louisville 6,093,237 11 15 77 53 17 34.6 4 Bank of Clarkson Clarkson 120,609 30 38 48 42 15 34.6 6 Wilson & Muir Bank & Trust Company Bardstown 550,083 27 65 28 68 2 38.0 7 Cecilian Bank Cecilia 921,331 99 52 14 20 9 38.8 8 Edmonton State Bank Edmonton 547,436 35 33 43 55 34 40.0 9 Bank of the Bluegrass & Trust Co. Lexington 265,619 82 10 88 6 22 41.6 10 Farmers Bank and Trust Company Princeton 136,033 22 35 74 18 60 41.8 11 Hometown Bank of Corbin, Inc. Corbin 177,427 45 17 117 12 19 42.0 12 United Citizens Bank of Southern Kentucky, Inc. Columbia 171,524 32 57 45 59 18 42.2 13 Bank of Columbia Columbia 143,752 16 86 64 39 7 42.4 14 Town & Country Bank and Trust Company Bardstown 315,262 40 13 98 41 27 43.8 15 Auburn Banking Company Auburn 81,007 17 93 66 56 5 47.4 16 First National Bank of Grayson Grayson 252,928 35 11 92 90 10 47.6 17 Victory Community Bank Fort Mitchell 179,176 114 2 102 19 3 48.0 18 Franklin Bank & Trust Company Franklin 542,569 86 44 18 57 36 48.2 18 Peoples Exchange Bank Winchester 415,138 64 34 89 25 29 48.2 20 Lincoln National Bank Hodgenville 313,466 19 88 59 28 49 48.6 21 PBK Bank, Inc. Stanford 117,731 3 13 121 102 8 49.4 21 Central Bank & Trust Company Lexington 2,701,186 48 8 123 24 44 49.4 23 Citizens Union Bank of Shelbyville Shelbyville 840,764 28 35 79 58 50 50.0 24 First State Bank Irvington 223,316 50 95 50 43 16 50.8 25 American Bank & Trust Company, Inc. Bowling Green 426,127 99 101 17 27 13 51.4 26 Planters Bank, Inc. Hopkinsville 1,132,722 110 99 6 31 14 52.0 27 Bankers' Bank of Kentucky, Inc. Frankfort 134,564 137 11 3 2 111 52.8 28 Lewisburg Banking Company Lewisburg 134,558 26 84 52 91 12 53.0 28 Meade County Bank Brandenburg 212,767 102 113 19 11 20 53.0 30 Sacramento Deposit Bank Sacramento 109,927 22 105 37 74 28 53.2 31 Kentucky Bank Paris 1,079,519 94 16 91 30 37 53.6 32 Citizens Deposit Bank & Trust Vanceburg 475,493 86 75 24 73 11 53.8 33 First United Bank and Trust Company Madisonville 323,495 53 44 75 21 78 54.2 34 Magnolia Bank Magnolia 320,976 128 1 137 5 1 54.4 35 Paducah Bank and Trust Company Paducah 713,187 96 25 61 33 59 54.8 36 First Southern National Bank Lancaster 897,729 12 52 104 77 30 55.0 37 Elkton Bank & Trust Company Elkton 139,586 56 75 36 70 43 56.0 38 Traditional Bank, Inc. Mount Sterling 1,618,065 120 109 5 17 32 56.6 39 Peoples Bank of Kentucky, Inc. Flemingsburg 318,687 39 57 54 83 51 56.8 40 Murray Bank Murray 312,168 116 88 15 32 35 57.2 40 South Central Bank, Inc. Glasgow 1,180,569 102 27 63 47 47 57.2 42 United Cumberland Bank Whitley City 297,275 8 31 85 127 38 57.8 43 First Kentucky Bank, Inc. Mayfield 445,911 115 52 51 9 63 58.0 44 Farmers National Bank of Scottsville Scottsville 251,216 43 73 68 35 72 58.2 45 Taylor County Bank Campbellsville 182,038 12 79 65 96 42 58.8 46 Casey County Bank, Inc. Liberty 196,010 21 83 57 106 31 59.6 47 Monticello Banking Company Monticello 764,178 58 51 71 65 55 60.0 48 Peoples Bank & Trust Company Owenton 51,522 15 19 122 101 46 60.6 49 Limestone Bank, Inc. Louisville 1,126,043 96 101 31 23 53 60.8 49 Citizens National Bank of Somerset Somerset 431,321 69 23 82 97 33 60.8
Source: S&P Global Market Intelligence 86 Rank The Banks Louisiana – 2019 Q3 Louisiana – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Abbeville Building & Loan (A State-Chartered Savings Bank) Abbeville 7/5/1890 1 20 No 53,548 0.46 1.56 American Bank & Trust Company Opelousas American Bancorp, Inc. 9/22/1958 8 54 Yes 187,713 1.00 8.21 American Bank & Trust Company, Inc. Covington American Bancshares, Inc. 9/14/1964 5 59 No 179,545 0.54 6.25 Anthem Bank & Trust Plaquemine 1/1/1915 5 40 Yes 157,190 0.41 3.96 Bank of Abbeville & Trust Company Abbeville 3/14/1894 3 37 No 173,522 0.82 4.92 Bank of Commerce White Castle Commerce Bancshares, Inc. 3/1/1927 1 14 Yes 59,541 0.66 5.45 Bank of Commerce & Trust Company Crowley 3/27/1926 5 72 No 303,133 0.57 4.87 Bank of Coushatta Coushatta Coushatta Bancshares, Inc. 7/30/1897 1 33 Yes 223,984 1.04 10.69 Bank of Erath Erath Bank of Erath Holding Company 11/18/1910 3 32 No 99,425 0.49 3.70 Bank of Gueydan Gueydan Gueydan Bancshares, Inc. 5/14/1927 1 11 No 74,777 0.73 3.59 Bank of Louisiana New Orleans BOL Bancshares, Inc. 3/7/1958 5 51 No 77,382 2.16 21.95 Bank of Oak Ridge Oak Ridge Oak Ridge Bancshares, Inc. 10/1/1910 2 9 Yes 52,695 0.50 4.35 Bank of St. Francisville Saint Francisville Saint Francisville Bancshares, Inc. 10/30/1978 1 38 Yes 144,172 0.92 8.72 Bank of Sunset and Trust Company Sunset Sunset Bancorp, Inc. 4/6/1906 4 33 No 148,447 1.10 11.46 Bank of Winnfield & Trust Company Winnfield Black Cat Financial Corp. 1/1/1901 2 37 Yes 137,624 0.49 4.11 Bank of Zachary Zachary Zachary Bancshares, Inc. 7/2/1904 3 58 No 239,589 0.62 6.58 Bank, The Jennings Bancshares, Inc. 2/26/1997 6 66 No 243,268 1.50 12.81 Basile State Bank Basile Basile Bancshares, Inc. 6/2/1956 2 17 Yes 56,632 1.51 13.18 Beauregard Federal Savings Bank DeRidder Beauregard Bancshares, Inc. 4/1/1948 2 13 Yes 66,352 1.52 8.86 BOM Bank Natchitoches Grant Bancshares, Inc. 6/9/1903 15 123 Yes 476,958 1.40 14.36 Business First Bank Baton Rouge Business First Bancshares, Inc. 2/1/2006 25 346 No 2,222,738 1.20 9.07 Caldwell Bank & Trust Company Columbia Caldwell Holding Company 1/1/1902 3 41 Yes 158,092 0.58 5.10 Catahoula-LaSalle Bank Jonesville Catahoula Holding Company 1/1/1904 6 64 Yes 178,693 0.78 7.12 Century Next Bank Ruston Century Next Financial Corporation 7/5/1905 7 115 No 489,326 1.18 11.58 Citizens Bank & Trust Company Plaquemine Citizens Bancorporation, Inc. 7/5/1916 7 68 No 313,722 1.08 10.05 Citizens Bank & Trust Company Covington 1/1/1946 5 41 No 124,243 1.11 10.55 Citizens Bank & Trust Company of Vivian, Louisiana Vivian C B & T Bancshares, Inc. 9/14/1967 4 54 Yes 142,281 0.60 4.73 Citizens National Bank, N.A. Bossier City Citizens National Bancshares of Bossier, Inc. 10/7/1985 12 199 No 1,002,988 1.39 12.73 Citizens Progressive Bank Winnsboro Caldwell Holding Company 1/1/1918 4 48 Yes 163,135 0.77 6.23 Citizens Savings Bank Bogalusa 1/1/1946 5 78 No 233,976 0.69 4.91 City Bank & Trust Co. Natchitoches City Bancshares Inc. 1/1/1933 5 61 Yes 255,434 0.84 8.33 Colfax Banking Company Colfax Community Bancshares Company 1/1/1901 5 35 Yes 112,258 0.89 9.44 Commerce Community Bank Oak Grove Delta Bancshares of Louisiana, Inc. 8/2/1999 2 14 No 63,707 1.09 10.97 Commercial Capital Bank Delhi Capital Bancorp, Inc. 2/22/1999 3 31 Yes 173,968 1.48 11.43 Community Bank of Louisiana Mansfield Mansfield Bancshares, Inc. 10/1/1901 11 98 Yes 496,474 1.24 14.69 Community First Bank New Iberia Community First Bancshares, Inc. 5/10/1999 8 107 Yes 392,727 1.25 12.73 Concordia Bank & Trust Company Vidalia Concordia Capital Corporation 7/1/1903 8 127 Yes 523,759 0.88 7.10 Cottonport Bank Cottonport Mansura Bancshares, Inc. 9/15/1902 12 134 No 362,251 1.28 9.89 Crescent Bank & Trust New Orleans CB&T Holding Corporation 8/30/1991 3 447 No 984,060 0.80 6.03 Cross Keys Bank Saint Joseph BSJ Bancshares, Inc. 4/2/1902 7 88 Yes 376,922 0.74 6.08 Delta Bank Vidalia Central Louisiana Capital Corporation 10/1/1973 5 74 Yes 308,839 1.22 14.74 Eureka Homestead Metairie Eureka Homestead Bancorp, Inc. 12/2/1884 1 15 No 108,655 0.26 2.03 Evangeline Bank and Trust Company Ville Platte Evangeline Bancshares, Inc. 10/11/1907 8 153 No 590,971 1.16 6.09 Exchange Bank and Trust Company Natchitoches Exchange Bancshares, Inc. 9/28/1892 2 26 Yes 150,942 1.48 15.25 Farmers State Bank & Trust Company Church Point FSB Bancshares, Inc. 1/1/1944 5 42 Yes 116,358 1.15 10.40 Farmers-Merchants Bank & Trust Company Breaux Bridge 1/1/1932 7 96 Yes 321,185 0.92 7.02 Feliciana Bank & Trust Company Clinton Feliciana Bancshares, Inc. 1/20/1904 3 33 Yes 127,393 1.07 10.07 Fidelity Bank New Orleans 12/28/1908 17 320 No 790,582 0.54 3.09 Fifth District Savings Bank New Orleans 1/1/1926 7 72 No 437,250 0.60 3.45 First American Bank and Trust Vacherie One American Corp. 12/3/1910 25 233 No 906,742 1.56 10.90
Source: S&P Global Market Intelligence 88 Louisiana – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First Bank and Trust New Orleans First Trust Corporation 5/21/1991 14 186 Yes 979,821 1.49 15.12 First Federal Bank of Louisiana Lake Charles 10/31/1949 17 219 No 876,983 0.46 3.75 First Guaranty Bank Hammond First Guaranty Bancshares, Inc. 3/12/1934 26 355 No 1,800,856 0.80 8.37 First National Bank Arcadia Louisiana Bancshares, Inc. 1/1/1905 9 76 Yes 255,770 1.40 14.90 First National Bank in DeRidder DeRidder 5/29/1934 8 91 No 299,836 0.79 8.02 First National Bank of Benton Benton Northwest Bancshares Corporation 3/26/1984 1 12 No 61,420 1.64 9.02 First National Bank of Jeanerette Jeanerette Jeanerette First National Bancorp, Inc. 6/3/1905 7 84 Yes 263,567 1.19 10.88 First National Bank of Louisiana Crowley Financial Corporation of Louisiana 4/1/1924 5 69 Yes 378,594 1.47 12.17 First National Bank USA Boutte First St. Charles Bancshares, Inc. 6/23/1975 2 31 Yes 132,171 1.07 8.08 First National Bankers Bank Baton Rouge First National Bankers Bankshares, Inc. 7/2/1984 5 141 No 905,405 0.76 4.62 Franklin State Bank & Trust Company Winnsboro Franklin Bancorp, Inc. 1/1/1908 4 48 Yes 172,476 1.43 14.67 Gibsland Bank & Trust Company Gibsland Gibsland Bancshares, Inc. 4/15/1948 9 99 No 448,083 0.61 5.90 Guaranty Bank & Trust Company of Delhi Delhi Delhi Bancshares, Inc. 10/17/1966 10 77 Yes 275,108 1.67 19.88 Guaranty Bank and Trust Company New Roads Great Guaranty Bancshares, Inc. 1/1/1956 6 57 No 218,711 1.50 11.60 Gulf Coast Bank Abbeville Gulf Coast Bancshares, Inc. 2/1/1971 13 137 No 370,275 1.24 9.15 Gulf Coast Bank and Trust Company New Orleans 1/1/1883 22 636 No 1,862,276 1.49 16.49 Heritage Bank of St. Tammany Covington Heritage NOLA Bancorp, Inc. 1/1/1924 3 23 No 131,295 0.56 3.71 Hibernia Bank New Orleans 1/1/1886 5 34 No 202,701 1.22 7.40 Hodge Bank & Trust Company Hodge Hodge Bancshares, Inc. 1/26/1965 1 15 Yes 70,865 2.26 12.17 Home Bank, National Association Lafayette Home Bancorp, Inc. 1/1/1908 40 457 No 2,213,737 1.36 9.97 Home Federal Bank Shreveport Home Federal Bancorp, Inc. of Louisiana 4/1/1924 8 59 No 461,159 1.15 10.18 Homeland Federal Savings Bank Columbia Homeland Bancshares, Inc. 3/12/1986 4 72 Yes 335,101 1.02 10.07 IBERIABANK Lafayette IBERIABANK Corporation 3/12/1887 190 3,143 No 31,647,644 1.41 10.80 Investar Bank, National Association Baton Rouge Investar Holding Corporation 6/14/2006 25 284 No 2,019,932 1.00 8.59 Jackson Parish Bank Jonesboro Jackson Bancorp, Inc. 1/1/1904 1 15 No 64,789 1.08 7.47 JD Bank Jennings Jeff Davis Bancshares, Inc. 3/12/1947 23 254 No 870,674 1.18 10.51 Jonesboro State Bank Jonesboro Jonesboro Bancshares, Inc. 1/1/1912 1 18 No 313,998 2.16 15.26 Lakeside Bank Lake Charles Lakeside Bancshares, Inc. 7/26/2010 4 46 No 210,784 0.47 3.81 Landmark Bank Clinton Clinton Bancshares, Inc. 8/1/1897 4 44 Yes 138,392 0.38 3.69 Liberty Bank and Trust Company New Orleans Liberty Financial Services, Inc. 11/16/1972 18 150 No 627,810 0.80 8.84 M C Bank & Trust Company Morgan City MC Bancshares, Inc. 1/20/1955 7 81 No 309,127 1.08 4.74 Marion State Bank Marion 2/7/1907 4 53 No 180,642 0.67 5.95 Mer Rouge State Bank Mer Rouge 1/1/1903 1 10 No 39,246 1.07 8.19 Merchants & Farmers Bank & Trust Company Leesville Merchants & Farmers Bancshares, Inc. 1/1/1928 8 94 No 410,427 0.74 6.50 Metairie Bank and Trust Company Metairie MBT Bancshares, Inc. 2/15/1947 9 118 No 405,421 0.96 9.85 Mississippi River Bank Belle Chasse 10/10/1980 2 22 Yes 110,558 2.39 18.29 Mutual Savings and Loan Association Metairie 1/1/1910 2 8 No 50,010 0.41 1.50 Origin Bank Choudrant Origin Bancorp, Inc. 11/23/1912 45 673 No 5,365,876 1.12 10.33 Patterson State Bank Patterson Patterson Bancshares, Inc. 4/1/1925 3 43 No 227,013 0.83 8.07 Pedestal Bank Houma Pedestal Bancshares, Inc. 1/11/1999 22 306 Yes 1,240,413 1.33 10.66 Peoples Bank Chatham 1/1/1908 1 15 No 91,055 0.72 7.89 Peoples Bank and Trust Company of Pointe Coupee Parish New Roads Peoples Bancshares of Pointe Coupee Parish, Inc. 3/31/1980 4 54 No 320,694 1.88 13.81 Plaquemine Bank and Trust Company Plaquemine Plaquemine Bancshares Corporation 4/1/1968 1 34 No 159,396 0.67 5.78 Progressive Bank Monroe Progressive Bancorp, Inc. 10/10/1975 8 130 No 572,397 0.78 7.25 Progressive National Bank Mansfield Caldwell Holding Company 3/28/1983 5 26 Yes 72,333 0.77 9.67 Rayne Building and Loan Association Rayne 1/2/1900 1 9 No 54,150 0.74 2.65 Rayne State Bank & Trust Company Rayne Financial Corporation of Louisiana 7/1/1943 7 73 Yes 382,040 1.29 10.16 Red River Bank Alexandria Red River Bancshares, Inc. 1/14/1999 24 323 No 1,938,809 1.32 12.28 Resource Bank Covington Resource Bankshares, Inc. 7/20/1998 11 163 No 758,248 1.28 10.93 Sabine State Bank and Trust Company Many Sabine Bancshares, Inc. 1/1/1901 54 377 Yes 956,806 1.36 13.90
Source: S&P Global Market Intelligence 89 Louisiana – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Sicily Island State Bank Sicily Island 2/1/1918 2 17 Yes 63,037 0.67 5.42 Simmesport State Bank Simmesport 5/1/1956 2 25 No 96,659 1.13 7.94 South Lafourche Bank & Trust Company Larose Lafourche Bancshares, Inc. 10/13/1967 5 45 Yes 145,792 0.32 2.58 South Louisiana Bank Houma South Louisiana Financial Corporation 6/30/1980 7 124 No 487,457 1.66 11.41 Southern Heritage Bank Jonesville SHB Bancorp, Inc. 5/25/1972 10 105 Yes 301,140 1.17 10.09 St. Landry Bank and Trust Company Opelousas St. Landry Bancshares, Inc. 12/1/1931 9 52 Yes 279,918 (1.01) (9.13) St. Landry Homestead Federal Savings Bank Opelousas 1/1/1922 4 49 No 219,997 0.50 2.23 State Bank & Trust Company Golden Meadow SBT Bancshares, Inc. 1/17/1953 4 36 Yes 118,206 0.70 6.10 Synergy Bank Houma Synergy Bancshares, Inc. 3/10/1999 6 123 No 552,796 1.39 12.02 Tensas State Bank Newellton Tensas Bancshares, Inc. 1/1/1922 4 31 Yes 155,808 0.83 6.37 Union Bank Marksville Union Bancshares, Incorporated 9/3/1910 8 83 No 257,377 1.29 12.46 United Community Bank Raceland Community Bancorp of Louisiana, Inc. 6/20/1964 10 120 Yes 534,113 1.22 8.98 Vermilion Bank & Trust Company Kaplan Vermilion Bancshares Corporation 3/8/1958 3 30 Yes 109,822 1.09 10.49 Washington State Bank Washington Washington State Bancshares, Inc. 4/10/1893 7 53 Yes 205,315 0.64 6.10 Winnsboro State Bank & Trust Company Winnsboro Winnsboro Bancshares, Inc. 9/2/1902 5 57 Yes 227,462 0.66 7.25
Source: S&P Global Market Intelligence 90 Louisiana – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 IBERIABANK Lafayette 3,143 190 25,167,289 132,459 166,567 8,007 10,069 31,647,644 2 Origin Bank Choudrant 673 45 4,295,130 95,447 119,242 6,382 7,973 5,365,876 3 Business First Bank Baton Rouge 346 25 1,743,002 69,720 88,910 5,038 6,424 2,222,738 4 Home Bank, National Association Lafayette 457 40 1,840,718 46,018 55,343 4,028 4,844 2,213,737 5 Investar Bank, National Association Baton Rouge 284 25 1,585,441 63,418 80,797 5,583 7,112 2,019,932 6 Red River Bank Alexandria 323 24 1,703,117 70,963 80,784 5,273 6,003 1,938,809 7 Gulf Coast Bank and Trust Company New Orleans 636 22 1,652,731 75,124 84,649 2,599 2,928 1,862,276 8 First Guaranty Bank Hammond 355 26 1,609,641 61,909 69,264 4,534 5,073 1,800,856 9 Pedestal Bank Houma 306 22 1,019,185 46,327 56,382 3,331 4,054 1,240,413 10 Citizens National Bank, N.A. Bossier City 199 12 868,329 72,361 83,582 4,363 5,040 1,002,988 11 Crescent Bank & Trust New Orleans 447 3 826,125 275,375 328,020 1,848 2,201 984,060 12 First Bank and Trust New Orleans 186 14 833,950 59,568 69,987 4,484 5,268 979,821 13 Sabine State Bank and Trust Company Many 377 54 838,822 15,534 17,719 2,225 2,538 956,806 14 First American Bank and Trust Vacherie 233 25 765,985 30,639 36,270 3,287 3,892 906,742 15 First National Bankers Bank Baton Rouge 141 5 435,660 87,132 181,081 3,090 6,421 905,405 16 First Federal Bank of Louisiana Lake Charles 219 17 686,091 40,358 51,587 3,133 4,004 876,983 17 JD Bank Jennings 254 23 757,744 32,945 37,855 2,983 3,428 870,674 18 Fidelity Bank New Orleans 320 17 592,221 34,837 46,505 1,851 2,471 790,582 19 Resource Bank Covington 163 11 643,742 58,522 68,932 3,949 4,652 758,248 20 Liberty Bank and Trust Company New Orleans 150 18 541,005 30,056 34,878 3,607 4,185 627,810 21 Evangeline Bank and Trust Company Ville Platte 153 8 461,059 57,632 73,871 3,013 3,863 590,971 22 Progressive Bank Monroe 130 8 497,063 62,133 71,550 3,824 4,403 572,397 23 Synergy Bank Houma 123 6 484,794 80,799 92,133 3,941 4,494 552,796 24 United Community Bank Raceland 120 10 437,066 43,707 53,411 3,642 4,451 534,113 25 Concordia Bank & Trust Company Vidalia 127 8 422,367 52,796 65,470 3,326 4,124 523,759 26 Community Bank of Louisiana Mansfield 98 11 447,166 40,651 45,134 4,563 5,066 496,474 27 Century Next Bank Ruston 115 7 417,891 59,699 69,904 3,634 4,255 489,326 28 South Louisiana Bank Houma 124 7 408,357 58,337 69,637 3,293 3,931 487,457 29 BOM Bank Natchitoches 123 15 428,428 28,562 31,797 3,483 3,878 476,958 30 Home Federal Bank Shreveport 59 8 406,181 50,773 57,645 6,884 7,816 461,159 31 Gibsland Bank & Trust Company Gibsland 99 9 373,739 41,527 49,787 3,775 4,526 448,083 32 Fifth District Savings Bank New Orleans 72 7 355,093 50,728 62,464 4,932 6,073 437,250 33 Merchants & Farmers Bank & Trust Company Leesville 94 8 301,981 37,748 51,303 3,213 4,366 410,427 34 Metairie Bank and Trust Company Metairie 118 9 359,833 39,981 45,047 3,049 3,436 405,421 35 Community First Bank New Iberia 107 8 349,845 43,731 49,091 3,270 3,670 392,727 36 Rayne State Bank & Trust Company Rayne 73 7 310,981 44,426 54,577 4,260 5,233 382,040 37 First National Bank of Louisiana Crowley 69 5 312,713 62,543 75,719 4,532 5,487 378,594 38 Cross Keys Bank Saint Joseph 88 7 294,254 42,036 53,846 3,344 4,283 376,922 39 Gulf Coast Bank Abbeville 137 13 314,774 24,213 28,483 2,298 2,703 370,275 40 Cottonport Bank Cottonport 134 12 315,158 26,263 30,188 2,352 2,703 362,251 41 Homeland Federal Savings Bank Columbia 72 4 283,808 70,952 83,775 3,942 4,654 335,101 42 Farmers-Merchants Bank & Trust Company Breaux Bridge 96 7 266,764 38,109 45,884 2,779 3,346 321,185 43 Peoples Bank and Trust Company of Pointe Coupee Parish New Roads 54 4 258,396 64,599 80,174 4,785 5,939 320,694 44 Jonesboro State Bank Jonesboro 18 1 266,253 266,253 313,998 14,792 17,444 313,998 45 Citizens Bank & Trust Company Plaquemine 68 7 264,839 37,834 44,817 3,895 4,614 313,722 46 M C Bank & Trust Company Morgan City 81 7 235,176 33,597 44,161 2,903 3,816 309,127 47 Delta Bank Vidalia 74 5 267,428 53,486 61,768 3,614 4,174 308,839 48 Bank of Commerce & Trust Company Crowley 72 5 253,717 50,743 60,627 3,524 4,210 303,133 49 Southern Heritage Bank Jonesville 105 10 262,481 26,248 30,114 2,500 2,868 301,140 50 First National Bank in DeRidder DeRidder 91 8 270,221 33,778 37,480 2,969 3,295 299,836
Source: S&P Global Market Intelligence 91 Louisiana – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Crescent Bank & Trust New Orleans 984,060 16.00 3.17 2.21 (2.37) 104.87 2.82 12.46 2 Gulf Coast Bank and Trust Company New Orleans 1,862,276 10.10 0.68 1.31 8.85 86.29 2.90 7.84 3 First National Bank Arcadia 255,770 6.61 (0.23) 0.52 (0.14) 96.05 2.84 5.80 4 Mississippi River Bank Belle Chasse 110,558 8.17 (11.48) 0.11 (9.67) 61.57 2.59 5.59 5 Basile State Bank Basile 56,632 7.13 (2.04) 0.77 3.21 89.02 4.09 5.56 6 Bank, The Jennings 243,268 7.33 7.73 0.91 5.79 92.24 1.73 5.48 7 Hodge Bank & Trust Company Hodge 70,865 6.91 (4.42) 0.71 0.94 89.02 1.79 5.13 8 Beauregard Federal Savings Bank DeRidder 66,352 7.10 0.38 0.69 0.79 85.46 1.67 4.96 9 BOM Bank Natchitoches 476,958 6.13 14.03 0.80 13.40 90.22 4.86 4.95 10 Bank of Louisiana New Orleans 77,382 6.49 3.66 0.28 (3.77) 67.90 2.07 4.90 11 Gulf Coast Bank Abbeville 370,275 6.25 (7.93) 0.28 (0.12) 79.73 1.94 4.88 12 Farmers State Bank & Trust Company Church Point 116,358 6.40 1.46 0.41 (1.60) 74.97 3.13 4.86 13 Mer Rouge State Bank Mer Rouge 39,246 6.75 (2.01) 0.65 (0.01) 78.78 2.68 4.81 14 Simmesport State Bank Simmesport 96,659 6.98 17.40 1.62 16.00 94.08 2.14 4.80 15 Guaranty Bank & Trust Company of Delhi Delhi 275,108 6.81 0.92 0.95 16.63 84.28 2.16 4.78 16 First National Bank of Jeanerette Jeanerette 263,567 5.71 9.33 0.48 7.89 92.76 3.44 4.77 17 Fidelity Bank New Orleans 790,582 6.55 (2.33) 0.84 (5.50) 94.00 2.61 4.75 18 Guaranty Bank and Trust Company New Roads 218,711 5.90 9.22 0.58 2.29 97.62 2.36 4.74 19 First National Bank USA Boutte 132,171 5.96 0.49 0.74 9.66 84.32 1.86 4.71 20 Caldwell Bank & Trust Company Columbia 158,092 6.79 (2.92) 1.39 0.02 93.44 2.23 4.67 21 JD Bank Jennings 870,674 5.65 2.33 0.34 1.50 82.44 3.36 4.60 21 United Community Bank Raceland 534,113 6.03 2.93 0.83 (1.39) 97.19 2.39 4.60 21 South Louisiana Bank Houma 487,457 6.44 (2.57) 0.82 5.27 79.45 2.14 4.60 24 Southern Heritage Bank Jonesville 301,140 5.83 1.36 0.70 0.81 85.48 3.50 4.59 25 Abbeville Building & Loan (A State-Chartered Savings Bank) Abbeville 53,548 5.65 10.63 0.81 (7.19) 126.34 2.35 4.58 26 Pedestal Bank Houma 1,240,413 6.29 (1.22) 0.68 0.74 84.38 2.79 4.56 27 Citizens Savings Bank Bogalusa 233,976 6.37 2.60 1.19 4.39 94.42 2.43 4.55 28 Community First Bank New Iberia 392,727 5.51 2.90 0.61 4.05 90.87 3.00 4.53 28 Bank of Erath Erath 99,425 5.73 0.94 0.56 (3.07) 86.22 2.91 4.53 28 Sabine State Bank and Trust Company Many 956,806 5.63 2.80 0.71 5.45 89.36 4.28 4.53 31 Sicily Island State Bank Sicily Island 63,037 6.78 9.97 1.77 5.86 104.73 3.27 4.51 32 Commercial Capital Bank Delhi 173,968 6.81 (2.73) 1.69 14.05 92.18 1.98 4.50 33 Homeland Federal Savings Bank Columbia 335,101 6.69 11.15 1.74 25.70 93.55 2.85 4.49 33 Bank of St. Francisville Saint Francisville 144,172 5.66 14.54 0.71 10.38 86.17 2.66 4.49 33 Landmark Bank Clinton 138,392 5.83 6.70 0.59 (4.13) 86.24 3.04 4.49 36 First Bank and Trust New Orleans 979,821 5.97 6.42 1.04 4.65 106.10 3.80 4.48 37 Marion State Bank Marion 180,642 6.32 3.57 1.20 12.05 85.21 2.18 4.46 37 Franklin State Bank & Trust Company Winnsboro 172,476 6.60 5.19 0.81 10.40 75.01 2.25 4.46 39 Citizens Progressive Bank Winnsboro 163,135 6.50 (3.71) 1.52 6.34 87.65 2.74 4.45 39 Resource Bank Covington 758,248 5.54 (0.68) 0.70 9.22 98.00 2.68 4.45 41 Cottonport Bank Cottonport 362,251 5.93 8.81 0.56 9.47 76.91 2.74 4.44 42 Home Bank, National Association Lafayette 2,213,737 5.68 4.76 0.81 3.18 93.13 2.55 4.41 43 Citizens Bank & Trust Company Covington 124,243 5.63 3.95 0.63 3.99 85.34 1.89 4.39 44 Washington State Bank Washington 205,315 5.72 4.77 0.84 8.22 88.58 2.87 4.38 45 Gibsland Bank & Trust Company Gibsland 448,083 6.55 6.22 1.25 5.49 83.31 3.09 4.37 46 Century Next Bank Ruston 489,326 6.01 59.06 1.25 65.27 96.22 3.82 4.36 47 Metairie Bank and Trust Company Metairie 405,421 5.02 2.17 0.26 4.41 89.72 2.39 4.35 47 Rayne State Bank & Trust Company Rayne 382,040 5.61 (0.73) 0.43 (1.50) 89.15 2.81 4.35 49 Peoples Bank and Trust Company of Pointe Coupee Parish New Roads 320,694 5.81 19.24 1.32 12.78 104.16 2.57 4.34 50 Vermilion Bank & Trust Company Kaplan 109,822 5.95 (6.51) 0.43 (1.53) 73.98 2.29 4.32
Source: S&P Global Market Intelligence 92 Louisiana – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Fidelity Bank New Orleans 790,582 4,405 0.13 2.43 0.07 0.00 25,162 3.08 2 First National Bankers Bank Baton Rouge 905,405 6,799 0.00 0.00 0.00 0.00 20,591 2.29 3 Bank of Louisiana New Orleans 77,382 1,711 0.33 0.00 0.00 (0.12) 1,790 2.26 4 Gulf Coast Bank and Trust Company New Orleans 1,862,276 25,924 0.32 1.14 0.00 0.06 36,880 2.13 5 Abbeville Building & Loan (A State-Chartered Savings Bank) Abbeville 53,548 251 0.01 0.33 1.72 (0.01) 1,137 2.07 6 BOM Bank Natchitoches 476,958 8,141 0.43 0.83 0.11 (0.08) 7,992 1.83 6 Hibernia Bank New Orleans 202,701 2,418 0.04 0.00 0.00 0.00 3,630 1.83 8 Citizens Bank & Trust Company of Vivian, Louisiana Vivian 142,281 1,111 0.26 1.00 0.00 (0.05) 2,396 1.73 9 Gulf Coast Bank Abbeville 370,275 4,643 0.62 0.00 0.00 0.07 5,407 1.44 10 Sabine State Bank and Trust Company Many 956,806 17,157 0.65 0.10 0.09 (0.03) 12,928 1.36 11 American Bank & Trust Company, Inc. Covington 179,545 941 0.33 0.56 0.02 (0.05) 2,142 1.23 12 Progressive National Bank Mansfield 72,333 686 0.36 0.00 0.00 (0.01) 823 1.22 13 Guaranty Bank & Trust Company of Delhi Delhi 275,108 5,763 0.30 0.44 0.00 0.00 3,049 1.17 14 Cottonport Bank Cottonport 362,251 4,335 0.34 0.00 0.03 0.01 3,934 1.16 15 South Louisiana Bank Houma 487,457 7,900 0.21 0.02 0.00 0.02 5,343 1.12 16 First Bank and Trust New Orleans 979,821 19,084 0.19 0.55 0.00 (0.06) 10,661 1.11 16 Anthem Bank & Trust Plaquemine 157,190 813 0.01 0.01 0.00 0.00 1,660 1.11 18 City Bank & Trust Co. Natchitoches 255,434 2,627 0.51 0.00 0.00 0.00 2,358 1.01 19 JD Bank Jennings 870,674 10,199 0.42 0.00 0.00 (0.03) 8,605 1.00 20 United Community Bank Raceland 534,113 8,780 0.29 0.29 0.00 (0.04) 5,376 0.99 21 Cross Keys Bank Saint Joseph 376,922 3,642 0.32 0.27 0.00 0.00 3,620 0.98 22 Franklin State Bank & Trust Company Winnsboro 172,476 3,211 0.26 0.00 0.00 0.00 1,623 0.97 23 Basile State Bank Basile 56,632 1,129 0.47 0.00 0.00 0.05 537 0.96 23 Citizens Bank & Trust Company Covington 124,243 1,328 0.07 0.52 0.08 (0.03) 1,153 0.96 25 Delta Bank Vidalia 308,839 5,001 0.57 0.00 0.00 0.00 2,848 0.93 26 Homeland Federal Savings Bank Columbia 335,101 4,151 0.48 0.00 0.00 (0.04) 2,814 0.92 27 Bank of Abbeville & Trust Company Abbeville 173,522 1,436 0.07 0.07 0.06 0.00 1,607 0.91 28 Sicily Island State Bank Sicily Island 63,037 535 0.70 0.00 0.00 (0.03) 543 0.90 28 Bank of Winnfield & Trust Company Winnfield 137,624 917 0.46 0.00 0.00 0.00 1,265 0.90 28 Pedestal Bank Houma 1,240,413 21,858 0.47 0.01 0.00 (0.04) 11,115 0.90 28 Red River Bank Alexandria 1,938,809 24,813 0.25 0.00 0.00 0.00 16,959 0.90 32 First National Bank Arcadia 255,770 4,689 0.45 0.03 0.00 0.06 2,224 0.88 33 First American Bank and Trust Vacherie 906,742 14,178 0.45 0.00 0.00 0.01 7,787 0.86 34 Liberty Bank and Trust Company New Orleans 627,810 4,780 0.30 0.00 0.00 (0.01) 5,109 0.85 34 First Federal Bank of Louisiana Lake Charles 876,983 4,024 0.23 0.03 0.02 0.01 7,446 0.85 36 Citizens Progressive Bank Winnsboro 163,135 1,670 0.43 0.00 0.00 0.02 1,338 0.82 36 Bank of St. Francisville Saint Francisville 144,172 1,644 0.30 0.00 0.00 0.00 1,095 0.82 38 Southern Heritage Bank Jonesville 301,140 4,705 0.31 0.18 0.00 (0.01) 2,461 0.81 39 Tensas State Bank Newellton 155,808 1,673 0.30 0.00 0.00 0.04 1,200 0.80 40 Vermilion Bank & Trust Company Kaplan 109,822 1,664 0.45 0.00 0.00 (0.02) 903 0.79 40 Metairie Bank and Trust Company Metairie 405,421 3,828 0.43 0.03 0.00 0.00 3,130 0.79 40 Century Next Bank Ruston 489,326 5,573 0.32 (0.02) 0.23 0.00 3,714 0.79 43 Citizens National Bank, N.A. Bossier City 1,002,988 13,658 0.31 0.08 0.00 (0.02) 7,590 0.77 43 Farmers State Bank & Trust Company Church Point 116,358 1,734 0.41 0.00 0.00 0.00 876 0.77 45 Catahoula-LaSalle Bank Jonesville 178,693 1,874 0.37 0.00 0.22 (0.02) 1,363 0.76 46 Concordia Bank & Trust Company Vidalia 523,759 6,019 0.39 0.00 0.00 (0.03) 3,831 0.75 47 Synergy Bank Houma 552,796 7,375 0.18 0.00 0.00 0.00 3,939 0.74 48 First National Bank in DeRidder DeRidder 299,836 2,076 0.35 0.13 0.00 (0.01) 1,933 0.73 49 Bank, The Jennings 243,268 3,568 0.32 0.00 0.00 (0.02) 1,709 0.72 50 Caldwell Bank & Trust Company Columbia 158,092 1,222 0.43 0.00 0.01 (0.18) 1,132 0.71
Source: S&P Global Market Intelligence 93 Louisiana – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 St. Landry Bank and Trust Company Opelousas 279,918 59.59 52 9 0.99 0.27 0.55 1.80 2 Jonesboro State Bank Jonesboro 313,998 62.49 18 1 0.61 0.06 1.18 1.86 3 Bank of Gueydan Gueydan 74,777 61.27 11 1 0.97 0.19 0.73 1.89 4 IBERIABANK Lafayette 31,647,644 51.12 3,143 190 1.08 0.22 0.73 2.04 5 Exchange Bank and Trust Company Natchitoches 150,942 50.82 26 2 1.14 0.21 0.69 2.04 6 Bank of Coushatta Coushatta 223,984 58.69 33 1 1.13 0.15 0.77 2.05 7 Fifth District Savings Bank New Orleans 437,250 74.36 72 7 1.20 0.25 0.67 2.12 8 Community Bank of Louisiana Mansfield 496,474 54.47 98 11 1.13 0.33 0.67 2.13 9 Bank of Commerce & Trust Company Crowley 303,133 72.91 72 5 1.41 0.21 0.51 2.13 10 Peoples Bank and Trust Company of Pointe Coupee Parish New Roads 320,694 48.42 54 4 1.33 0.27 0.67 2.27 11 Hodge Bank & Trust Company Hodge 70,865 41.79 15 1 1.46 0.16 0.68 2.30 12 Investar Bank, National Association Baton Rouge 2,019,932 62.73 284 25 1.43 0.24 0.63 2.30 13 Eureka Homestead Metairie 108,655 86.70 15 1 1.36 0.25 0.70 2.31 14 First National Bank of Benton Benton 61,420 52.23 12 1 1.46 0.17 0.72 2.34 15 First Guaranty Bank Hammond 1,800,856 63.25 355 26 1.30 0.32 0.77 2.39 16 Mutual Savings and Loan Association Metairie 50,010 82.53 8 2 1.56 0.36 0.53 2.44 17 Jackson Parish Bank Jonesboro 64,789 68.29 15 1 1.57 0.25 0.65 2.47 18 Red River Bank Alexandria 1,938,809 58.72 323 24 1.46 0.26 0.80 2.52 19 Home Federal Bank Shreveport 461,159 61.84 59 8 1.42 0.34 0.78 2.54 20 First National Bank of Louisiana Crowley 378,594 56.66 69 5 1.66 0.24 0.73 2.63 21 Origin Bank Choudrant 5,365,876 62.81 673 45 1.55 0.32 0.76 2.63 22 St. Landry Homestead Federal Savings Bank Opelousas 219,997 78.07 49 4 1.59 0.33 0.71 2.63 23 Citizens National Bank, N.A. Bossier City 1,002,988 57.94 199 12 1.69 0.22 0.74 2.64 24 Rayne Building and Loan Association Rayne 54,150 77.64 9 1 1.51 0.35 0.80 2.66 25 Business First Bank Baton Rouge 2,222,738 60.99 346 25 1.58 0.29 0.81 2.69 26 Peoples Bank Chatham 91,055 67.11 15 1 1.42 0.48 0.79 2.69 27 Concordia Bank & Trust Company Vidalia 523,759 67.85 127 8 1.64 0.30 0.76 2.70 28 Bank of Oak Ridge Oak Ridge 52,695 76.71 9 2 1.58 0.11 1.04 2.74 29 Synergy Bank Houma 552,796 58.75 123 6 1.63 0.24 0.86 2.74 30 Tensas State Bank Newellton 155,808 64.77 31 4 1.33 0.28 1.15 2.75 31 Plaquemine Bank and Trust Company Plaquemine 159,396 74.31 34 1 1.60 0.36 0.82 2.78 32 Citizens Bank & Trust Company Plaquemine 313,722 64.18 68 7 1.59 0.35 0.85 2.79 33 Bank of Sunset and Trust Company Sunset 148,447 65.83 33 4 1.90 0.32 0.57 2.79 34 Hibernia Bank New Orleans 202,701 55.74 34 5 1.90 0.18 0.72 2.80 35 M C Bank & Trust Company Morgan City 309,127 63.56 81 7 1.51 0.54 0.76 2.81 36 Feliciana Bank & Trust Company Clinton 127,393 65.06 33 3 1.52 0.23 1.08 2.83 37 Rayne State Bank & Trust Company Rayne 382,040 61.11 73 7 1.83 0.47 0.53 2.83 38 City Bank & Trust Co. Natchitoches 255,434 70.29 61 5 1.68 0.30 0.85 2.83 39 Home Bank, National Association Lafayette 2,213,737 60.58 457 40 1.71 0.41 0.71 2.83 40 Resource Bank Covington 758,248 63.87 163 11 1.82 0.30 0.73 2.86 41 Bank of Abbeville & Trust Company Abbeville 173,522 71.22 37 3 1.64 0.44 0.81 2.89 42 Gibsland Bank & Trust Company Gibsland 448,083 61.90 99 9 1.43 0.39 1.07 2.89 43 United Community Bank Raceland 534,113 54.74 120 10 1.60 0.42 0.87 2.90 44 State Bank & Trust Company Golden Meadow 118,206 71.26 36 4 1.58 0.43 0.90 2.91 45 Commerce Community Bank Oak Grove 63,707 66.59 14 2 1.44 0.33 1.16 2.92 46 Heritage Bank of St. Tammany Covington 131,295 80.86 23 3 1.70 0.35 0.87 2.93 47 Merchants & Farmers Bank & Trust Company Leesville 410,427 74.21 94 8 1.69 0.30 0.94 2.93 48 Beauregard Federal Savings Bank DeRidder 66,352 58.15 13 2 1.79 0.20 0.95 2.93 49 Guaranty Bank and Trust Company New Roads 218,711 59.17 57 6 1.84 0.35 0.76 2.95 50 Union Bank Marksville 257,377 63.98 83 8 1.68 0.39 0.89 2.96
Source: S&P Global Market Intelligence 94 Louisiana – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Bank of Oak Ridge Oak Ridge 52,695 37,119 1.00 0.00 0.00 0.04 0.05 0.09 2 First National Bank of Louisiana Crowley 378,594 295,983 1.44 0.09 0.00 0.02 0.01 0.12 3 Bank of Sunset and Trust Company Sunset 148,447 114,889 0.94 0.00 0.00 0.09 0.04 0.13 4 Rayne State Bank & Trust Company Rayne 382,040 277,236 1.69 0.01 0.00 0.14 (0.01) 0.14 5 Lakeside Bank Lake Charles 210,784 143,811 1.44 0.01 0.00 0.10 0.07 0.17 6 Eureka Homestead Metairie 108,655 84,072 1.01 0.27 0.00 0.00 (0.01) 0.26 7 Metairie Bank and Trust Company Metairie 405,421 322,829 0.85 0.08 0.00 0.17 0.05 0.30 8 American Bank & Trust Company Opelousas 187,713 134,151 1.07 0.22 0.04 0.06 0.05 0.37 9 Progressive Bank Monroe 572,397 437,530 1.14 0.08 0.00 0.22 0.10 0.40 10 Hibernia Bank New Orleans 202,701 155,870 0.37 0.06 0.00 0.45 0.00 0.51 11 Progressive National Bank Mansfield 72,333 39,419 0.70 0.31 0.00 0.19 0.05 0.55 12 Investar Bank, National Association Baton Rouge 2,019,932 1,586,342 0.65 0.14 0.00 0.38 0.03 0.56 13 Fifth District Savings Bank New Orleans 437,250 331,012 0.70 0.20 0.13 0.29 0.00 0.62 14 Red River Bank Alexandria 1,938,809 1,417,275 0.98 0.04 0.02 0.66 0.02 0.74 15 Mutual Savings and Loan Association Metairie 50,010 45,496 0.44 0.40 0.00 0.38 0.00 0.78 16 Century Next Bank Ruston 489,326 402,715 0.78 0.27 0.00 0.55 0.07 0.90 17 Resource Bank Covington 758,248 631,245 0.65 0.20 0.00 0.81 0.00 1.01 18 Fidelity Bank New Orleans 790,582 556,683 0.87 0.28 0.00 0.76 0.03 1.07 19 Business First Bank Baton Rouge 2,222,738 1,697,551 0.71 0.14 0.02 0.82 0.10 1.08 20 City Bank & Trust Co. Natchitoches 255,434 76,932 1.03 0.93 0.02 0.09 0.04 1.08 21 Commerce Community Bank Oak Grove 63,707 37,605 1.01 0.81 0.00 0.28 0.00 1.09 22 First National Bank of Benton Benton 61,420 42,818 2.80 0.46 0.02 0.68 0.02 1.18 23 Colfax Banking Company Colfax 112,258 61,305 0.39 0.64 0.42 0.12 0.00 1.18 24 Origin Bank Choudrant 5,365,876 4,255,618 0.87 0.12 0.00 0.90 0.17 1.19 25 Citizens Bank & Trust Company Covington 124,243 93,278 1.06 0.00 0.00 1.03 0.19 1.22 26 Citizens National Bank, N.A. Bossier City 1,002,988 714,671 1.23 0.40 0.03 0.72 0.11 1.26 27 Sabine State Bank and Trust Company Many 956,806 749,550 0.82 0.39 0.00 0.71 0.20 1.30 28 Guaranty Bank & Trust Company of Delhi Delhi 275,108 193,700 0.67 0.61 0.21 0.47 0.04 1.32 29 First National Bank in DeRidder DeRidder 299,836 161,383 1.79 0.76 0.00 0.56 0.03 1.35 30 IBERIABANK Lafayette 31,647,644 23,934,421 0.61 0.24 0.02 0.99 0.14 1.39 31 First Federal Bank of Louisiana Lake Charles 876,983 587,939 0.55 0.61 0.02 0.82 0.02 1.47 32 Delta Bank Vidalia 308,839 237,925 1.12 0.40 0.24 0.77 0.08 1.49 33 American Bank & Trust Company, Inc. Covington 179,545 138,939 0.66 0.23 0.00 1.25 0.03 1.51 34 Franklin State Bank & Trust Company Winnsboro 172,476 113,097 0.88 0.60 0.69 0.20 0.10 1.59 35 First National Bank Arcadia 255,770 218,304 1.14 0.39 0.02 1.10 0.08 1.60 36 Bank of Zachary Zachary 239,589 171,887 0.95 0.02 0.14 1.32 0.13 1.60 37 First Bank and Trust New Orleans 979,821 884,812 0.86 0.48 0.01 1.24 0.00 1.72 38 Marion State Bank Marion 180,642 129,539 0.99 1.03 0.00 0.87 0.11 2.01 39 Pedestal Bank Houma 1,240,413 859,986 1.36 0.60 0.15 0.95 0.36 2.05 40 Cottonport Bank Cottonport 362,251 242,390 1.24 0.46 0.02 1.41 0.17 2.06 41 Mississippi River Bank Belle Chasse 110,558 57,571 1.49 0.45 0.04 1.39 0.22 2.11 42 First Guaranty Bank Hammond 1,800,856 1,296,087 0.95 1.16 0.03 0.72 0.25 2.15 43 South Louisiana Bank Houma 487,457 324,428 3.60 0.89 0.08 1.19 0.16 2.31 44 Southern Heritage Bank Jonesville 301,140 224,374 0.77 0.93 0.02 1.28 0.11 2.34 45 BOM Bank Natchitoches 476,958 386,520 0.65 1.48 0.28 0.38 0.21 2.35 46 Exchange Bank and Trust Company Natchitoches 150,942 65,929 1.02 1.16 0.05 1.18 (0.02) 2.37 47 Community Bank of Louisiana Mansfield 496,474 224,693 0.68 1.72 0.00 0.66 0.02 2.41 48 Home Federal Bank Shreveport 461,159 339,639 1.06 0.08 0.07 2.14 0.13 2.42 49 First National Bankers Bank Baton Rouge 905,405 573,287 2.38 0.00 0.00 2.49 (0.07) 2.42 50 First American Bank and Trust Vacherie 906,742 649,411 1.96 0.50 0.00 1.99 0.01 2.50
Source: S&P Global Market Intelligence 95 Louisiana – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Bank of Louisiana New Orleans 77,382 1,711 51 34 (1,681) (710) 2.16 21.95 2 Guaranty Bank & Trust Company of Delhi Delhi 275,108 5,763 77 75 5,908 4,881 1.67 19.88 3 Mississippi River Bank Belle Chasse 110,558 3,604 22 164 3,206 2,801 2.39 18.29 4 Gulf Coast Bank and Trust Company New Orleans 1,862,276 25,924 636 41 26,526 31,861 1.49 16.49 5 Jonesboro State Bank Jonesboro 313,998 5,783 18 321 4,157 5,211 2.16 15.26 6 Exchange Bank and Trust Company Natchitoches 150,942 2,976 26 114 2,329 1,978 1.48 15.25 7 First Bank and Trust New Orleans 979,821 19,084 186 103 15,814 13,192 1.49 15.12 8 First National Bank Arcadia 255,770 4,689 76 62 4,625 4,565 1.40 14.90 9 Delta Bank Vidalia 308,839 5,001 74 68 5,176 4,463 1.22 14.74 10 Community Bank of Louisiana Mansfield 496,474 8,185 98 84 7,014 5,263 1.24 14.69 11 Franklin State Bank & Trust Company Winnsboro 172,476 3,211 48 67 2,536 2,227 1.43 14.67 12 BOM Bank Natchitoches 476,958 8,141 123 66 7,013 5,816 1.40 14.36 13 Sabine State Bank and Trust Company Many 956,806 17,157 377 46 15,460 12,702 1.36 13.90 14 Peoples Bank and Trust Company of Pointe Coupee Parish New Roads 320,694 5,429 54 101 5,011 4,307 1.88 13.81 15 Basile State Bank Basile 56,632 1,129 17 66 1,018 1,126 1.51 13.18 16 Bank, The Jennings 243,268 3,568 66 54 3,357 2,885 1.50 12.81 17 Citizens National Bank, N.A. Bossier City 1,002,988 13,658 199 69 9,748 4,377 1.39 12.73 18 Community First Bank New Iberia 392,727 6,570 107 61 5,920 4,342 1.25 12.73 19 Union Bank Marksville 257,377 3,396 83 41 3,343 2,345 1.29 12.46 20 Red River Bank Alexandria 1,938,809 24,813 323 77 19,323 15,875 1.32 12.28 21 Hodge Bank & Trust Company Hodge 70,865 2,124 15 142 2,037 1,569 2.26 12.17 21 First National Bank of Louisiana Crowley 378,594 7,689 69 111 6,881 6,488 1.47 12.17 23 Synergy Bank Houma 552,796 7,375 123 60 4,546 2,206 1.39 12.02 24 Guaranty Bank and Trust Company New Roads 218,711 3,111 57 55 2,671 2,214 1.50 11.60 25 Century Next Bank Ruston 489,326 5,573 115 48 3,087 2,669 1.18 11.58 26 Bank of Sunset and Trust Company Sunset 148,447 1,561 33 47 1,087 1,197 1.10 11.46 27 Commercial Capital Bank Delhi 173,968 3,157 31 102 3,321 2,616 1.48 11.43 28 South Louisiana Bank Houma 487,457 7,900 124 64 4,794 5,483 1.66 11.41 29 Commerce Community Bank Oak Grove 63,707 673 14 48 776 594 1.09 10.97 30 Resource Bank Covington 758,248 9,493 163 58 8,776 7,161 1.28 10.93 31 First American Bank and Trust Vacherie 906,742 14,178 233 61 11,519 11,604 1.56 10.90 32 First National Bank of Jeanerette Jeanerette 263,567 4,124 84 49 3,572 3,092 1.19 10.88 33 IBERIABANK Lafayette 31,647,644 437,510 3,143 139 260,591 187,641 1.41 10.80 34 Bank of Coushatta Coushatta 223,984 3,132 33 95 2,591 2,849 1.04 10.69 35 Pedestal Bank Houma 1,240,413 21,858 306 71 16,040 9,017 1.33 10.66 36 Citizens Bank & Trust Company Covington 124,243 1,328 41 32 631 378 1.11 10.55 37 JD Bank Jennings 870,674 10,199 254 40 9,785 4,415 1.18 10.51 38 Vermilion Bank & Trust Company Kaplan 109,822 1,664 30 55 1,642 1,663 1.09 10.49 39 Farmers State Bank & Trust Company Church Point 116,358 1,734 42 41 1,752 1,608 1.15 10.40 40 Origin Bank Choudrant 5,365,876 55,358 673 82 43,172 9,528 1.12 10.33 41 Home Federal Bank Shreveport 461,159 5,006 59 85 3,934 3,952 1.15 10.18 42 Rayne State Bank & Trust Company Rayne 382,040 6,496 73 89 6,142 5,746 1.29 10.16 43 Southern Heritage Bank Jonesville 301,140 4,705 105 45 4,362 4,519 1.17 10.09 44 Feliciana Bank & Trust Company Clinton 127,393 1,863 33 56 1,765 1,366 1.07 10.07 45 Homeland Federal Savings Bank Columbia 335,101 4,151 72 58 3,929 3,391 1.02 10.07 46 Citizens Bank & Trust Company Plaquemine 313,722 3,393 68 50 2,333 2,143 1.08 10.05 47 Home Bank, National Association Lafayette 2,213,737 29,563 457 65 26,928 17,977 1.36 9.97 48 Cottonport Bank Cottonport 362,251 4,335 134 32 3,240 2,651 1.28 9.89 49 Metairie Bank and Trust Company Metairie 405,421 3,828 118 32 3,202 2,304 0.96 9.85 50 Progressive National Bank Mansfield 72,333 686 26 26 207 201 0.77 9.67
Source: S&P Global Market Intelligence 96 Louisiana – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Guaranty Bank & Trust Company of Delhi Delhi 275,108 15 13 84 28 2 28.4 2 First National Bank of Louisiana Crowley 378,594 55 64 20 2 21 32.4 3 Franklin State Bank & Trust Company Winnsboro 172,476 37 22 68 34 11 34.4 4 Sabine State Bank and Trust Company Many 956,806 28 10 95 27 13 34.6 4 South Louisiana Bank Houma 487,457 21 15 66 43 28 34.6 6 Red River Bank Alexandria 1,938,809 95 28 18 14 20 35.0 7 BOM Bank Natchitoches 476,958 9 6 104 45 12 35.2 8 First Bank and Trust New Orleans 979,821 36 16 83 37 7 35.8 9 Mississippi River Bank Belle Chasse 110,558 4 66 69 41 3 36.6 10 First National Bank Arcadia 255,770 3 32 106 35 8 36.8 10 Citizens National Bank, N.A. Bossier City 1,002,988 75 43 23 26 17 36.8 12 Delta Bank Vidalia 308,839 51 25 71 32 9 37.6 13 Gulf Coast Bank and Trust Company New Orleans 1,862,276 2 4 114 65 4 37.8 13 Century Next Bank Ruston 489,326 46 40 62 16 25 37.8 15 Pedestal Bank Houma 1,240,413 26 28 67 39 35 39.0 16 Hodge Bank & Trust Company Hodge 70,865 7 66 11 99 21 40.8 17 Rayne State Bank & Trust Company Rayne 382,040 47 79 37 4 42 41.8 18 IBERIABANK Lafayette 31,647,644 91 55 4 30 33 42.6 19 Hibernia Bank New Orleans 202,701 95 6 34 10 70 43.0 20 Bank of Sunset and Trust Company Sunset 148,447 71 85 33 3 26 43.6 21 Bank, The Jennings 243,268 6 49 90 63 16 44.8 21 Business First Bank Baton Rouge 2,222,738 58 69 25 19 53 44.8 21 First American Bank and Trust Vacherie 906,742 57 33 53 50 31 44.8 21 Citizens Bank & Trust Company Covington 124,243 43 23 97 25 36 44.8 25 Community First Bank New Iberia 392,727 28 55 55 69 18 45.0 26 Exchange Bank and Trust Company Natchitoches 150,942 86 83 5 46 6 45.2 26 Origin Bank Choudrant 5,365,876 87 54 21 24 40 45.2 28 Commerce Community Bank Oak Grove 63,707 67 66 45 21 29 45.6 29 JD Bank Jennings 870,674 21 19 99 53 37 45.8 29 United Community Bank Raceland 534,113 21 20 43 90 55 45.8 31 Resource Bank Covington 758,248 39 105 40 17 30 46.2 31 Metairie Bank and Trust Company Metairie 405,421 47 40 88 7 49 46.2 33 Cottonport Bank Cottonport 362,251 41 14 89 40 48 46.4 34 Southern Heritage Bank Jonesville 301,140 24 38 86 44 43 47.0 35 First National Bank of Jeanerette Jeanerette 263,567 16 60 58 70 32 47.2 35 Synergy Bank Houma 552,796 65 47 29 72 23 47.2 37 Guaranty Bank and Trust Company New Roads 218,711 18 79 49 67 24 47.4 38 Progressive National Bank Mansfield 72,333 68 12 98 11 50 47.8 38 Peoples Bank and Trust Company of Pointe Coupee Parish New Roads 320,694 49 98 10 68 14 47.8 40 Community Bank of Louisiana Mansfield 496,474 103 73 8 47 10 48.2 41 Home Bank, National Association Lafayette 2,213,737 42 57 39 58 47 48.6 41 First National Bank of Benton Benton 61,420 54 99 14 22 54 48.6 43 City Bank & Trust Co. Natchitoches 255,434 107 18 38 20 61 48.8 43 Bank of Louisiana New Orleans 77,382 10 3 115 115 1 48.8 45 Gulf Coast Bank Abbeville 370,275 11 9 108 66 52 49.2 46 Basile State Bank Basile 56,632 5 23 100 104 15 49.4 47 American Bank & Trust Company Opelousas 187,713 62 52 65 8 62 49.8 48 Commercial Capital Bank Delhi 173,968 32 50 51 92 27 50.4 49 Fidelity Bank New Orleans 790,582 17 1 113 18 108 51.4 49 Home Federal Bank Shreveport 461,159 87 62 19 48 41 51.4
Source: S&P Global Market Intelligence 97 Rank The Banks Maryland – 2019 Q3 Maryland – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1880 Bank Cambridge Delmarva Bancshares, Inc. 1/1/1880 6 40 No 377,107 1.16 8.23 Arundel Federal Savings Bank Glen Burnie 1/1/1906 7 74 No 431,299 0.19 1.24 Bank of Delmarva Salisbury Delmar Bancorp 5/4/1897 16 161 No 792,312 1.01 10.40 Bank of Glen Burnie Glen Burnie Glen Burnie Bancorp 8/17/1949 8 98 No 383,444 0.41 4.74 Bank of Ocean City Ocean City 1/1/1916 6 63 No 382,907 1.52 14.57 BayVanguard Bank (MHC) Sparrows Point Bay-Vanguard, M.H.C. 9/1/1873 8 51 No 297,403 0.80 4.44 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin Calvin B. Taylor Bankshares, Inc. 1/1/1890 11 105 No 554,834 1.62 10.17 Capital Bank, National Association Rockville Capital Bancorp, Inc. 12/14/1999 6 221 No 1,274,136 1.33 15.26 Carroll Community Bank Eldersburg Carroll Bancorp, Inc. 1/1/1870 3 35 No 185,655 0.18 2.06 Cecil Bank Elkton Cecil Bancorp, Inc. 10/7/1959 7 42 No 174,166 (1.93) (31.60) CFG Community Bank Baltimore Capital Funding Bancorp, Inc. 1/1/1927 3 136 Yes 1,098,059 1.65 9.53 Chesapeake Bank & Trust Company Chestertown Chesapeake Bancorp 12/15/1986 3 18 Yes 109,026 1.20 12.01 Chesapeake Bank of Maryland Baltimore CBM Bancorp, Inc. 1/1/1913 4 43 No 217,605 0.28 1.50 Community Bank of the Chesapeake Waldorf Community Financial Corporation 1/1/1950 12 198 No 1,854,305 1.08 9.67 Congressional Bank Bethesda Congressional Bancshares, Inc. 10/17/2003 6 184 No 1,102,140 0.97 7.17 EagleBank Bethesda Eagle Bancorp, Inc. 7/20/1998 20 482 No 8,994,659 1.86 12.41 Eastern Savings Bank, FSB Hunt Valley 5/29/1905 5 110 Yes 315,659 0.78 3.20 Farmers and Merchants Bank Upperco Farmers and Merchants Bancshares, Inc. 10/24/1919 8 78 No 434,483 0.86 8.00 Farmers Bank of Willards Willards 1/3/1925 9 84 No 391,248 1.04 9.61 First Shore Federal Savings and Loan Association Salisbury 12/18/1953 8 72 No 314,868 0.74 4.82 First United Bank & Trust Oakland First United Corporation 1/2/1900 25 316 No 1,422,221 1.02 10.28 Frederick County Bank Frederick Frederick County Bancorp, Inc. 10/18/2001 5 68 No 452,142 0.62 6.07 Glen Burnie Mutual Savings Bank Glen Burnie 5/5/1896 1 4 No 99,473 0.28 3.69 Harbor Bank of Maryland Baltimore Harbor Bankshares Corporation 9/13/1982 7 67 No 305,752 (0.37) (5.22) Harford Bank Aberdeen 5/1/1964 8 74 No 389,730 0.94 8.53 Hebron Savings Bank Hebron HSB Bancorp, Inc. 6/11/1910 13 134 No 609,205 0.93 9.83 Homewood Federal Savings Bank Baltimore 1/1/1916 1 6 No 61,047 0.65 2.34 Howard Bank Baltimore Howard Bancorp, Inc. 8/9/2004 17 313 No 2,293,098 0.58 4.02 Jarrettsville Federal Savings and Loan Association Jarrettsville 12/11/1869 1 13 No 127,884 0.41 2.93 Madison Bank of Maryland Forest Hill MB Bancorp, Inc. 5/4/1904 3 24 No 143,959 1.12 6.16 Middletown Valley Bank Middletown Community Heritage Financial, Inc. 1/4/1908 7 122 No 483,960 0.53 5.49 North Arundel Savings Bank Pasadena 1/1/1956 1 9 No 43,471 0.25 1.92 Old Line Bank Bowie Old Line Bancshares, Inc. 9/28/1989 37 361 No 3,095,359 1.33 9.70 Peoples Bank Chestertown Peoples Bancorp, Inc. 10/1/1910 7 79 No 246,191 1.02 9.31 Presidential Bank, FSB Bethesda Presidential Holdings, Inc. 4/15/1985 10 272 No 630,335 0.81 7.17 Provident State Bank, Inc. Preston PSB Holding Corporation 3/26/1904 10 101 No 457,338 0.80 8.50 Queenstown Bank of Maryland Queenstown Queenstown Bancorp of Maryland, Inc. 7/1/1899 8 94 No 473,766 1.62 12.04 Revere Bank Rockville 11/20/2007 11 248 No 2,835,191 1.22 11.21 Rosedale Federal Savings and Loan Association Baltimore 1/1/1908 10 119 No 961,485 0.64 2.56 Sandy Spring Bank Olney Sandy Spring Bancorp, Inc. 4/13/1868 57 919 No 8,425,052 1.40 10.58 Severn Savings Bank, FSB Annapolis Severn Bancorp, Inc. 1/1/1946 7 165 No 822,364 1.19 9.01 Shore United Bank Easton Shore Bancshares, Inc. 6/1/1876 21 257 No 1,562,253 1.12 10.03 Woodsboro Bank Woodsboro 5/1/1899 7 61 No 260,317 0.48 5.61
Source: S&P Global Market Intelligence 99 Maryland – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 EagleBank Bethesda 482 20 7,470,282 373,514 449,733 15,499 18,661 8,994,659 2 Sandy Spring Bank Olney 919 57 6,517,330 114,339 147,808 7,092 9,168 8,425,052 3 Old Line Bank Bowie 361 37 2,416,965 65,323 83,658 6,695 8,574 3,095,359 4 Revere Bank Rockville 248 11 2,337,430 212,494 257,745 9,425 11,432 2,835,191 5 Howard Bank Baltimore 313 17 1,666,043 98,003 134,888 5,323 7,326 2,293,098 6 Community Bank of the Chesapeake Waldorf 198 12 1,563,284 130,274 154,525 7,895 9,365 1,854,305 7 Shore United Bank Easton 257 21 1,341,575 63,885 74,393 5,220 6,079 1,562,253 8 First United Bank & Trust Oakland 316 25 1,138,689 45,548 56,889 3,603 4,501 1,422,221 9 Capital Bank, National Association Rockville 221 6 1,113,902 185,650 212,356 5,040 5,765 1,274,136 10 Congressional Bank Bethesda 184 6 945,569 157,595 183,690 5,139 5,990 1,102,140 11 CFG Community Bank Baltimore 136 3 908,393 302,798 366,020 6,679 8,074 1,098,059 12 Rosedale Federal Savings and Loan Association Baltimore 119 10 713,809 71,381 96,149 5,998 8,080 961,485 13 Severn Savings Bank, FSB Annapolis 165 7 660,933 94,419 117,481 4,006 4,984 822,364 14 Bank of Delmarva Salisbury 161 16 660,842 41,303 49,520 4,105 4,921 792,312 15 Presidential Bank, FSB Bethesda 272 10 474,627 47,463 63,034 1,745 2,317 630,335 16 Hebron Savings Bank Hebron 134 13 514,362 39,566 46,862 3,839 4,546 609,205 17 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 105 11 466,241 42,386 50,439 4,440 5,284 554,834 18 Middletown Valley Bank Middletown 122 7 434,070 62,010 69,137 3,558 3,967 483,960 19 Queenstown Bank of Maryland Queenstown 94 8 404,731 50,591 59,221 4,306 5,040 473,766 20 Provident State Bank, Inc. Preston 101 10 363,922 36,392 45,734 3,603 4,528 457,338 21 Frederick County Bank Frederick 68 5 382,058 76,412 90,428 5,619 6,649 452,142 22 Farmers and Merchants Bank Upperco 78 8 373,671 46,709 54,310 4,791 5,570 434,483 23 Arundel Federal Savings Bank Glen Burnie 74 7 357,817 51,117 61,614 4,835 5,828 431,299 24 Farmers Bank of Willards Willards 84 9 304,215 33,802 43,472 3,622 4,658 391,248 25 Harford Bank Aberdeen 74 8 322,191 40,274 48,716 4,354 5,267 389,730 26 Bank of Glen Burnie Glen Burnie 98 8 325,311 40,664 47,931 3,320 3,913 383,444 27 Bank of Ocean City Ocean City 63 6 342,932 57,155 63,818 5,443 6,078 382,907 28 1880 Bank Cambridge 40 6 316,517 52,753 62,851 7,913 9,428 377,107 29 Eastern Savings Bank, FSB Hunt Valley 110 5 199,793 39,959 63,132 1,816 2,870 315,659 30 First Shore Federal Savings and Loan Association Salisbury 72 8 259,953 32,494 39,359 3,610 4,373 314,868 31 Harbor Bank of Maryland Baltimore 67 7 280,132 40,019 43,679 4,181 4,563 305,752 32 BayVanguard Bank (MHC) Sparrows Point 51 8 225,280 28,160 37,175 4,417 5,831 297,403 33 Woodsboro Bank Woodsboro 61 7 235,635 33,662 37,188 3,863 4,267 260,317 34 Peoples Bank Chestertown 79 7 212,847 30,407 35,170 2,694 3,116 246,191 35 Chesapeake Bank of Maryland Baltimore 43 4 171,683 42,921 54,401 3,993 5,061 217,605 36 Carroll Community Bank Eldersburg 35 3 152,096 50,699 61,885 4,346 5,304 185,655 37 Cecil Bank Elkton 42 7 160,680 22,954 24,881 3,826 4,147 174,166 38 Madison Bank of Maryland Forest Hill 24 3 99,975 33,325 47,986 4,166 5,998 143,959 39 Jarrettsville Federal Savings and Loan Association Jarrettsville 13 1 99,792 99,792 127,884 7,676 9,837 127,884 40 Chesapeake Bank & Trust Company Chestertown 18 3 75,054 25,018 36,342 4,170 6,057 109,026 41 Glen Burnie Mutual Savings Bank Glen Burnie 4 1 91,665 91,665 99,473 22,916 24,868 99,473 42 Homewood Federal Savings Bank Baltimore 6 1 44,543 44,543 61,047 7,424 10,175 61,047 43 North Arundel Savings Bank Pasadena 9 1 37,589 37,589 43,471 4,177 4,830 43,471
Source: S&P Global Market Intelligence 100 Maryland – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Eastern Savings Bank, FSB Hunt Valley 315,659 8.25 (7.16) 1.08 (7.72) 117.95 NA 6.14 2 Capital Bank, National Association Rockville 1,274,136 7.36 21.27 1.26 22.11 105.23 2.20 5.73 3 Congressional Bank Bethesda 1,102,140 7.23 3.03 1.31 8.96 87.48 3.18 5.51 4 CFG Community Bank Baltimore 1,098,059 6.97 46.45 1.51 40.76 98.66 3.66 5.02 5 Farmers Bank of Willards Willards 391,248 5.66 3.34 1.01 (1.29) 109.16 2.75 4.46 6 Presidential Bank, FSB Bethesda 630,335 5.54 27.16 0.74 7.09 112.21 2.56 4.36 7 Queenstown Bank of Maryland Queenstown 473,766 5.20 4.31 0.59 (0.62) 96.30 2.67 4.28 8 Bank of Delmarva Salisbury 792,312 5.42 1.79 0.97 6.18 95.89 2.74 4.20 9 EagleBank Bethesda 8,994,659 5.55 10.90 1.00 15.88 101.89 2.52 4.03 9 Bank of Ocean City Ocean City 382,907 5.05 14.61 0.49 4.17 73.94 2.77 4.03 9 North Arundel Savings Bank Pasadena 43,471 5.75 (7.63) 1.27 0.62 84.62 2.20 4.03 12 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 554,834 5.02 10.56 0.11 (1.85) 75.66 2.06 3.99 13 Peoples Bank Chestertown 246,191 4.60 (8.41) 0.27 (0.11) 85.40 1.45 3.91 14 Hebron Savings Bank Hebron 609,205 5.04 (1.48) 1.01 5.80 99.17 2.53 3.87 15 Harford Bank Aberdeen 389,730 4.97 1.04 0.53 11.79 90.05 2.33 3.86 16 Chesapeake Bank & Trust Company Chestertown 109,026 5.18 4.68 0.67 1.47 99.42 2.31 3.84 17 1880 Bank Cambridge 377,107 4.83 (1.84) 0.40 6.40 78.42 2.56 3.81 18 BayVanguard Bank (MHC) Sparrows Point 297,403 4.81 89.06 0.75 65.77 103.82 2.05 3.80 19 Provident State Bank, Inc. Preston 457,338 5.01 0.16 0.88 1.87 95.82 2.66 3.74 19 Severn Savings Bank, FSB Annapolis 822,364 5.33 (2.88) 1.07 (5.20) 102.49 2.05 3.74 21 Farmers and Merchants Bank Upperco 434,483 4.90 (0.96) 0.91 6.47 91.21 3.03 3.70 21 First United Bank & Trust Oakland 1,422,221 4.92 3.45 0.69 10.94 87.58 2.82 3.70 23 Middletown Valley Bank Middletown 483,960 5.07 20.13 1.02 15.62 95.24 2.24 3.69 24 Howard Bank Baltimore 2,293,098 4.95 7.49 1.05 2.37 106.64 3.19 3.67 25 Revere Bank Rockville 2,835,191 5.40 18.47 1.31 19.84 101.24 2.46 3.66 26 Chesapeake Bank of Maryland Baltimore 217,605 4.98 2.69 1.03 (1.17) 86.66 3.10 3.61 27 Harbor Bank of Maryland Baltimore 305,752 5.39 (7.92) 1.11 26.44 73.09 2.14 3.59 28 Woodsboro Bank Woodsboro 260,317 4.61 5.15 0.25 1.99 66.02 2.83 3.57 29 Old Line Bank Bowie 3,095,359 4.80 4.34 0.94 7.78 103.62 2.96 3.56 30 First Shore Federal Savings and Loan Association Salisbury 314,868 5.01 2.24 1.21 5.15 97.58 2.34 3.54 31 Shore United Bank Easton 1,562,253 4.52 4.53 0.61 13.29 92.06 2.16 3.53 32 Sandy Spring Bank Olney 8,425,052 4.86 3.97 0.94 10.06 102.42 2.72 3.51 33 Frederick County Bank Frederick 452,142 4.69 5.13 0.72 6.66 90.70 2.75 3.49 34 Homewood Federal Savings Bank Baltimore 61,047 4.87 (4.67) 0.98 21.79 105.22 2.13 3.47 35 Community Bank of the Chesapeake Waldorf 1,854,305 4.77 8.29 0.99 7.45 90.66 2.77 3.43 36 Bank of Glen Burnie Glen Burnie 383,444 4.34 (3.76) 0.58 (3.46) 87.27 2.59 3.34 37 Carroll Community Bank Eldersburg 185,655 4.64 (0.19) 1.31 (2.65) 99.93 3.01 3.12 38 Rosedale Federal Savings and Loan Association Baltimore 961,485 4.32 4.34 1.11 1.04 100.25 2.34 2.97 39 Madison Bank of Maryland Forest Hill 143,959 4.19 (0.95) 1.30 (3.68) 100.56 2.64 2.64 40 Jarrettsville Federal Savings and Loan Association Jarrettsville 127,884 4.29 2.19 1.28 6.13 90.68 2.36 2.63 41 Arundel Federal Savings Bank Glen Burnie 431,299 3.84 (2.04) 1.42 (1.37) 92.95 2.45 2.32 42 Cecil Bank Elkton 174,166 5.58 (3.19) 2.45 10.60 54.77 2.46 1.44 43 Glen Burnie Mutual Savings Bank Glen Burnie 99,473 4.37 2.15 2.84 2.59 84.39 2.28 1.06
Source: S&P Global Market Intelligence 101 Maryland – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Presidential Bank, FSB Bethesda 630,335 4,379 0.01 3.58 0.01 0.00 23,357 4.31 2 Congressional Bank Bethesda 1,102,140 10,000 0.05 0.42 1.53 0.00 21,162 2.06 3 Capital Bank, National Association Rockville 1,274,136 14,958 0.04 1.14 0.00 0.00 20,967 1.87 4 Peoples Bank Chestertown 246,191 2,489 0.29 0.00 0.00 0.02 4,397 1.81 5 CFG Community Bank Baltimore 1,098,059 20,536 0.11 0.00 0.34 0.01 16,430 1.76 6 First United Bank & Trust Oakland 1,422,221 14,098 0.16 0.01 0.02 (0.13) 14,746 1.06 7 Severn Savings Bank, FSB Annapolis 822,364 10,618 0.26 0.39 0.02 (0.04) 7,856 0.88 8 Howard Bank Baltimore 2,293,098 12,836 0.12 0.32 0.00 (0.03) 17,963 0.81 9 Sandy Spring Bank Olney 8,425,052 115,576 0.12 0.14 0.00 0.00 65,736 0.80 10 Shore United Bank Easton 1,562,253 16,431 0.28 0.00 0.00 (0.04) 9,028 0.61 11 Provident State Bank, Inc. Preston 457,338 3,497 0.21 0.09 0.00 0.00 2,568 0.58 12 1880 Bank Cambridge 377,107 4,356 0.18 0.00 0.02 0.02 2,111 0.56 13 Woodsboro Bank Woodsboro 260,317 1,241 0.20 0.04 0.00 0.00 1,408 0.55 14 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 554,834 8,553 0.12 0.00 0.00 (0.01) 2,635 0.50 15 Bank of Delmarva Salisbury 792,312 7,637 0.16 0.00 0.00 (0.04) 3,480 0.46 16 Frederick County Bank Frederick 452,142 2,696 0.08 0.13 0.00 0.00 1,917 0.44 17 Harbor Bank of Maryland Baltimore 305,752 (1,082) 0.13 0.00 0.00 0.00 1,250 0.43 17 Old Line Bank Bowie 3,095,359 40,020 0.04 0.10 0.00 0.00 13,012 0.43 19 Chesapeake Bank & Trust Company Chestertown 109,026 1,656 0.08 0.00 0.00 0.05 412 0.40 19 Hebron Savings Bank Hebron 609,205 5,554 0.21 0.00 0.00 (0.02) 2,425 0.40 21 Harford Bank Aberdeen 389,730 3,454 0.17 0.00 0.00 0.00 1,368 0.37 22 Farmers and Merchants Bank Upperco 434,483 3,650 0.08 0.14 0.00 (0.05) 1,542 0.36 23 Farmers Bank of Willards Willards 391,248 3,991 0.09 0.00 0.00 (0.07) 1,220 0.32 23 Bank of Glen Burnie Glen Burnie 383,444 1,627 0.13 0.00 0.00 0.00 1,265 0.32 25 Bank of Ocean City Ocean City 382,907 5,303 0.22 0.00 0.00 0.00 1,077 0.31 26 Queenstown Bank of Maryland Queenstown 473,766 7,575 0.13 0.00 0.00 0.01 1,403 0.30 26 Middletown Valley Bank Middletown 483,960 2,439 0.11 0.03 0.00 0.00 1,353 0.30 26 Cecil Bank Elkton 174,166 (3,815) 0.11 0.17 0.00 (0.25) 587 0.30 29 EagleBank Bethesda 8,994,659 159,504 0.08 0.09 0.00 0.00 24,183 0.28 29 Carroll Community Bank Eldersburg 185,655 355 0.04 0.10 0.00 0.00 541 0.28 31 Community Bank of the Chesapeake Waldorf 1,854,305 18,424 0.08 0.00 0.00 0.00 4,268 0.25 32 First Shore Federal Savings and Loan Association Salisbury 314,868 2,283 0.04 0.00 0.00 0.00 639 0.21 32 Chesapeake Bank of Maryland Baltimore 217,605 607 0.06 0.04 0.01 0.00 460 0.21 34 Madison Bank of Maryland Forest Hill 143,959 1,639 0.01 0.00 0.00 0.00 286 0.20 35 Eastern Savings Bank, FSB Hunt Valley 315,659 3,342 0.01 0.00 0.00 0.11 541 0.17 36 BayVanguard Bank (MHC) Sparrows Point 297,403 2,115 0.06 0.00 0.00 (0.01) 363 0.14 37 Revere Bank Rockville 2,835,191 30,874 0.04 0.00 0.00 0.00 2,924 0.12 38 Arundel Federal Savings Bank Glen Burnie 431,299 811 0.01 0.01 0.00 0.00 393 0.09 39 Rosedale Federal Savings and Loan Association Baltimore 961,485 6,127 0.01 0.00 0.00 0.00 571 0.06 40 Jarrettsville Federal Savings and Loan Association Jarrettsville 127,884 515 0.01 0.00 0.00 0.00 66 0.05 41 Glen Burnie Mutual Savings Bank Glen Burnie 99,473 277 0.00 0.00 0.00 0.00 42 0.04 42 North Arundel Savings Bank Pasadena 43,471 110 0.03 0.00 0.00 0.00 11 0.03 43 Homewood Federal Savings Bank Baltimore 61,047 376 0.01 0.00 0.05 (0.08) (11) (0.02)
Source: S&P Global Market Intelligence 102 Maryland – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Glen Burnie Mutual Savings Bank Glen Burnie 99,473 72.97 4 1 0.48 0.03 0.25 0.76 2 EagleBank Bethesda 8,994,659 36.80 482 20 0.89 0.17 0.48 1.55 3 Old Line Bank Bowie 3,095,359 47.86 361 37 0.95 0.29 0.53 1.76 4 Revere Bank Rockville 2,835,191 49.48 248 11 1.20 0.18 0.45 1.83 5 Community Bank of the Chesapeake Waldorf 1,854,305 55.17 198 12 1.12 0.24 0.55 1.91 6 Bank of Ocean City Ocean City 382,907 47.80 63 6 1.10 0.26 0.55 1.92 7 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 554,834 48.64 105 11 1.22 0.25 0.59 2.06 8 Jarrettsville Federal Savings and Loan Association Jarrettsville 127,884 78.45 13 1 1.16 0.18 0.73 2.07 9 Sandy Spring Bank Olney 8,425,052 51.45 919 57 1.23 0.34 0.51 2.09 10 Rosedale Federal Savings and Loan Association Baltimore 961,485 71.59 119 10 1.10 0.20 0.79 2.09 11 Arundel Federal Savings Bank Glen Burnie 431,299 88.34 74 7 1.36 0.23 0.52 2.11 12 Queenstown Bank of Maryland Queenstown 473,766 49.74 94 8 1.39 0.22 0.59 2.20 13 Shore United Bank Easton 1,562,253 59.50 257 21 1.28 0.24 0.85 2.38 14 Chesapeake Bank & Trust Company Chestertown 109,026 59.73 18 3 1.44 0.15 0.81 2.41 15 Homewood Federal Savings Bank Baltimore 61,047 72.25 6 1 1.12 0.12 1.17 2.41 16 1880 Bank Cambridge 377,107 60.44 40 6 1.10 0.30 1.06 2.47 17 BayVanguard Bank (MHC) Sparrows Point 297,403 68.46 51 8 1.44 0.26 0.77 2.47 18 Madison Bank of Maryland Forest Hill 143,959 96.89 24 3 1.52 0.34 0.68 2.53 19 First Shore Federal Savings and Loan Association Salisbury 314,868 72.00 72 8 1.65 0.33 0.57 2.55 20 Hebron Savings Bank Hebron 609,205 62.92 134 13 1.57 0.36 0.65 2.58 21 Farmers and Merchants Bank Upperco 434,483 68.53 78 8 1.55 0.25 0.90 2.70 22 Bank of Delmarva Salisbury 792,312 62.15 161 16 1.49 0.48 0.78 2.74 23 Harford Bank Aberdeen 389,730 68.63 74 8 1.66 0.26 0.88 2.81 24 Farmers Bank of Willards Willards 391,248 62.22 84 9 1.54 0.27 1.03 2.84 25 Frederick County Bank Frederick 452,142 76.54 68 5 1.67 0.43 0.78 2.87 26 Howard Bank Baltimore 2,293,098 71.31 313 17 1.42 0.56 0.89 2.88 27 Bank of Glen Burnie Glen Burnie 383,444 82.25 98 8 1.69 0.32 0.93 2.94 28 Chesapeake Bank of Maryland Baltimore 217,605 83.48 43 4 1.86 0.21 0.88 2.95 29 Middletown Valley Bank Middletown 483,960 77.04 122 7 1.68 0.50 0.78 2.95 30 Provident State Bank, Inc. Preston 457,338 71.41 101 10 1.57 0.46 0.92 2.96 31 Severn Savings Bank, FSB Annapolis 822,364 66.30 165 7 2.05 0.10 0.84 2.99 32 Carroll Community Bank Eldersburg 185,655 93.62 35 3 1.62 0.37 1.01 3.00 33 First United Bank & Trust Oakland 1,422,221 70.39 316 25 1.75 0.46 0.90 3.11 34 Woodsboro Bank Woodsboro 260,317 82.75 61 7 1.94 0.47 0.88 3.28 35 North Arundel Savings Bank Pasadena 43,471 87.55 9 1 2.01 0.32 1.01 3.34 36 Cecil Bank Elkton 174,166 237.81 42 7 1.59 0.41 1.59 3.59 37 CFG Community Bank Baltimore 1,098,059 60.02 136 3 2.43 0.26 1.29 3.98 38 Harbor Bank of Maryland Baltimore 305,752 107.45 67 7 2.11 0.56 1.40 4.06 39 Peoples Bank Chestertown 246,191 76.96 79 7 2.64 0.46 1.08 4.18 40 Eastern Savings Bank, FSB Hunt Valley 315,659 82.68 110 5 3.54 0.57 0.78 4.89 41 Congressional Bank Bethesda 1,102,140 74.48 184 6 3.21 0.58 1.54 5.33 42 Capital Bank, National Association Rockville 1,274,136 73.34 221 6 2.69 0.38 2.46 5.52 43 Presidential Bank, FSB Bethesda 630,335 83.97 272 10 4.55 0.75 1.84 7.15
Source: S&P Global Market Intelligence 103 Maryland – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Bank of Ocean City Ocean City 382,907 253,567 0.82 0.27 0.00 0.00 (0.09) 0.18 2 Revere Bank Rockville 2,835,191 2,366,490 0.93 0.19 0.15 0.12 0.02 0.48 3 Middletown Valley Bank Middletown 483,960 413,429 0.97 0.16 0.00 0.46 0.02 0.65 4 Farmers and Merchants Bank Upperco 434,483 341,307 0.75 0.01 0.00 0.63 0.17 0.81 5 Old Line Bank Bowie 3,095,359 2,504,457 0.32 0.58 0.04 0.44 0.02 1.08 6 CFG Community Bank Baltimore 1,098,059 896,231 2.10 0.10 0.00 1.08 0.06 1.24 7 Sandy Spring Bank Olney 8,425,052 6,675,368 0.82 0.48 0.02 0.74 0.03 1.27 8 Capital Bank, National Association Rockville 1,274,136 1,172,210 1.07 0.69 0.03 0.53 0.04 1.29 9 Provident State Bank, Inc. Preston 457,338 348,706 0.95 0.39 0.00 0.84 0.14 1.37 10 North Arundel Savings Bank Pasadena 43,471 31,990 0.70 0.07 0.00 1.30 0.16 1.52 11 Frederick County Bank Frederick 452,142 346,538 0.98 0.59 0.00 0.95 0.00 1.54 12 Chesapeake Bank of Maryland Baltimore 217,605 148,972 0.88 0.43 0.00 0.89 0.23 1.55 13 EagleBank Bethesda 8,994,659 7,636,800 0.97 0.83 0.22 0.56 0.10 1.70 14 Woodsboro Bank Woodsboro 260,317 155,577 1.38 0.50 0.02 1.24 (0.02) 1.74 15 First Shore Federal Savings and Loan Association Salisbury 314,868 253,658 0.95 0.43 0.00 1.32 0.08 1.83 16 Howard Bank Baltimore 2,293,098 1,776,593 0.54 0.24 0.03 1.34 0.23 1.84 17 Presidential Bank, FSB Bethesda 630,335 532,571 1.02 0.24 0.00 1.60 0.15 1.99 18 Homewood Federal Savings Bank Baltimore 61,047 46,866 0.84 0.54 0.00 1.37 0.08 1.99 19 Jarrettsville Federal Savings and Loan Association Jarrettsville 127,884 90,488 1.07 1.06 0.21 0.72 0.03 2.02 20 Harford Bank Aberdeen 389,730 290,117 1.09 0.09 0.01 1.90 0.02 2.02 21 Glen Burnie Mutual Savings Bank Glen Burnie 99,473 77,358 0.47 0.42 0.57 1.05 0.00 2.04 22 Bank of Glen Burnie Glen Burnie 383,444 283,889 0.81 0.19 0.01 1.81 0.16 2.16 23 Community Bank of the Chesapeake Waldorf 1,854,305 1,417,236 0.79 0.19 0.05 1.85 0.09 2.19 24 Shore United Bank Easton 1,562,253 1,235,035 0.85 0.72 0.06 1.37 0.07 2.22 25 Peoples Bank Chestertown 246,191 181,764 1.88 0.10 0.00 2.32 (0.15) 2.26 26 1880 Bank Cambridge 377,107 248,221 0.76 0.28 0.00 2.24 0.00 2.52 27 Severn Savings Bank, FSB Annapolis 822,364 677,389 1.09 0.31 0.12 2.16 0.02 2.61 28 Madison Bank of Maryland Forest Hill 143,959 100,539 1.30 0.30 0.00 2.69 (0.38) 2.61 29 First United Bank & Trust Oakland 1,422,221 997,284 1.20 0.66 0.00 2.00 (0.01) 2.65 30 Chesapeake Bank & Trust Company Chestertown 109,026 74,639 1.34 2.11 0.00 0.60 0.00 2.71 31 Bank of Delmarva Salisbury 792,312 633,662 1.11 0.28 0.00 2.38 0.22 2.88 32 BayVanguard Bank (MHC) Sparrows Point 297,403 233,890 0.59 0.29 0.00 2.61 0.24 3.15 33 Carroll Community Bank Eldersburg 185,655 151,997 0.74 0.64 0.00 2.54 0.08 3.26 34 Queenstown Bank of Maryland Queenstown 473,766 389,742 1.51 0.65 0.39 2.27 (0.01) 3.30 35 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 554,834 352,736 0.21 2.20 0.02 1.22 0.06 3.50 36 Farmers Bank of Willards Willards 391,248 332,088 0.99 0.56 0.10 2.55 0.31 3.51 37 Arundel Federal Savings Bank Glen Burnie 431,299 332,808 0.43 0.98 0.02 2.48 0.04 3.52 38 Congressional Bank Bethesda 1,102,140 827,179 1.05 0.23 0.00 3.60 0.11 3.94 39 Hebron Savings Bank Hebron 609,205 510,115 1.73 0.65 0.00 4.58 0.24 5.46 40 Rosedale Federal Savings and Loan Association Baltimore 961,485 715,589 0.76 0.09 0.00 6.40 (0.05) 6.44 41 Harbor Bank of Maryland Baltimore 305,752 204,903 1.04 5.24 0.00 4.29 0.15 9.69 42 Eastern Savings Bank, FSB Hunt Valley 315,659 235,653 1.22 1.49 0.83 12.23 0.07 14.62 43 Cecil Bank Elkton 174,166 88,252 0.76 0.36 0.00 22.78 (0.01) 23.13
Source: S&P Global Market Intelligence 104 Maryland – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Capital Bank, National Association Rockville 1,274,136 14,958 221 68 9,135 11,000 1.33 15.26 2 Bank of Ocean City Ocean City 382,907 5,303 63 84 4,076 2,908 1.52 14.57 3 EagleBank Bethesda 8,994,659 159,504 482 331 135,291 117,596 1.86 12.41 4 Queenstown Bank of Maryland Queenstown 473,766 7,575 94 81 6,563 5,457 1.62 12.04 5 Chesapeake Bank & Trust Company Chestertown 109,026 1,656 18 92 1,390 1,654 1.20 12.01 6 Revere Bank Rockville 2,835,191 30,874 248 124 23,177 16,117 1.22 11.21 7 Sandy Spring Bank Olney 8,425,052 115,576 919 126 84,928 57,737 1.40 10.58 8 Bank of Delmarva Salisbury 792,312 7,637 161 47 4,701 4,217 1.01 10.40 9 First United Bank & Trust Oakland 1,422,221 14,098 316 45 7,708 8,621 1.02 10.28 10 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 554,834 8,553 105 81 6,868 5,416 1.62 10.17 11 Shore United Bank Easton 1,562,253 16,431 257 64 14,271 10,575 1.12 10.03 12 Hebron Savings Bank Hebron 609,205 5,554 134 41 4,249 4,051 0.93 9.83 13 Old Line Bank Bowie 3,095,359 40,020 361 111 30,181 19,481 1.33 9.70 14 Community Bank of the Chesapeake Waldorf 1,854,305 18,424 198 93 10,777 12,596 1.08 9.67 15 Farmers Bank of Willards Willards 391,248 3,991 84 48 3,246 2,933 1.04 9.61 16 CFG Community Bank Baltimore 1,098,059 20,536 136 151 20,755 19,856 1.65 9.53 17 Peoples Bank Chestertown 246,191 2,489 79 32 1,954 1,534 1.02 9.31 18 Severn Savings Bank, FSB Annapolis 822,364 10,618 165 64 6,458 4,575 1.19 9.01 19 Harford Bank Aberdeen 389,730 3,454 74 47 2,644 2,194 0.94 8.53 20 Provident State Bank, Inc. Preston 457,338 3,497 101 35 3,191 2,268 0.80 8.50 21 1880 Bank Cambridge 377,107 4,356 40 109 4,124 4,137 1.16 8.23 22 Farmers and Merchants Bank Upperco 434,483 3,650 78 47 3,111 3,176 0.86 8.00 23 Congressional Bank Bethesda 1,102,140 10,000 184 54 13,489 12,150 0.97 7.17 23 Presidential Bank, FSB Bethesda 630,335 4,379 272 16 1,684 3,391 0.81 7.17 25 Madison Bank of Maryland Forest Hill 143,959 1,639 24 68 1,057 (1,067) 1.12 6.16 26 Frederick County Bank Frederick 452,142 2,696 68 40 2,712 2,008 0.62 6.07 27 Woodsboro Bank Woodsboro 260,317 1,241 61 20 808 585 0.48 5.61 28 Middletown Valley Bank Middletown 483,960 2,439 122 20 1,477 1,625 0.53 5.49 29 First Shore Federal Savings and Loan Association Salisbury 314,868 2,283 72 32 1,855 1,541 0.74 4.82 30 Bank of Glen Burnie Glen Burnie 383,444 1,627 98 17 1,118 1,525 0.41 4.74 31 BayVanguard Bank (MHC) Sparrows Point 297,403 2,115 51 41 103 676 0.80 4.44 32 Howard Bank Baltimore 2,293,098 12,836 313 41 (1,800) 6,802 0.58 4.02 33 Glen Burnie Mutual Savings Bank Glen Burnie 99,473 277 4 69 274 123 0.28 3.69 34 Eastern Savings Bank, FSB Hunt Valley 315,659 3,342 110 30 6,357 6,415 0.78 3.20 35 Jarrettsville Federal Savings and Loan Association Jarrettsville 127,884 515 13 40 671 661 0.41 2.93 36 Rosedale Federal Savings and Loan Association Baltimore 961,485 6,127 119 51 5,256 5,368 0.64 2.56 37 Homewood Federal Savings Bank Baltimore 61,047 376 6 63 276 325 0.65 2.34 38 Carroll Community Bank Eldersburg 185,655 355 35 10 297 439 0.18 2.06 39 North Arundel Savings Bank Pasadena 43,471 110 9 12 140 322 0.25 1.92 40 Chesapeake Bank of Maryland Baltimore 217,605 607 43 14 440 294 0.28 1.50 41 Arundel Federal Savings Bank Glen Burnie 431,299 811 74 11 1,012 1,284 0.19 1.24 42 Harbor Bank of Maryland Baltimore 305,752 (1,082) 67 (16) (411) (6,168) (0.37) (5.22) 43 Cecil Bank Elkton 174,166 (3,815) 42 (91) (13,029) (2,430) (1.93) (31.60)
Source: S&P Global Market Intelligence 105 Maryland – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Bank of Ocean City Ocean City 382,907 9 25 6 1 2 8.6 2 Capital Bank, National Association Rockville 1,274,136 2 3 42 8 1 11.2 2 EagleBank Bethesda 8,994,659 9 29 2 13 3 11.2 4 Sandy Spring Bank Olney 8,425,052 32 9 9 7 7 12.8 5 Old Line Bank Bowie 3,095,359 29 17 3 5 13 13.4 6 CFG Community Bank Baltimore 1,098,059 4 5 37 6 16 13.6 7 Revere Bank Rockville 2,835,191 25 37 4 2 6 14.8 8 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 554,834 12 14 7 35 10 15.6 9 Queenstown Bank of Maryland Queenstown 473,766 7 26 12 34 4 16.6 10 Chesapeake Bank & Trust Company Chestertown 109,026 16 19 14 30 5 16.8 10 Bank of Delmarva Salisbury 792,312 8 15 22 31 8 16.8 12 Provident State Bank, Inc. Preston 457,338 19 11 30 9 20 17.8 12 Shore United Bank Easton 1,562,253 31 10 13 24 11 17.8 14 Presidential Bank, FSB Bethesda 630,335 6 1 43 17 23 18.0 14 Farmers and Merchants Bank Upperco 434,483 21 22 21 4 22 18.0 16 1880 Bank Cambridge 377,107 17 12 16 26 21 18.4 17 Peoples Bank Chestertown 246,191 13 4 39 25 17 19.6 17 First United Bank & Trust Oakland 1,422,221 21 6 33 29 9 19.6 17 Harford Bank Aberdeen 389,730 15 21 23 20 19 19.6 20 Severn Savings Bank, FSB Annapolis 822,364 19 7 31 27 18 20.4 21 Farmers Bank of Willards Willards 391,248 5 23 24 36 15 20.6 22 Hebron Savings Bank Hebron 609,205 14 19 20 39 12 20.8 23 Howard Bank Baltimore 2,293,098 24 8 26 16 32 21.2 24 Congressional Bank Bethesda 1,102,140 3 2 41 38 23 21.4 25 Community Bank of the Chesapeake Waldorf 1,854,305 35 31 5 23 14 21.6 26 Middletown Valley Bank Middletown 483,960 23 26 29 3 28 21.8 27 Frederick County Bank Frederick 452,142 33 16 25 11 26 22.2 28 Woodsboro Bank Woodsboro 260,317 28 13 34 14 27 23.2 29 First Shore Federal Savings and Loan Association Salisbury 314,868 30 32 19 15 29 25.0 30 BayVanguard Bank (MHC) Sparrows Point 297,403 18 36 17 32 31 26.8 31 North Arundel Savings Bank Pasadena 43,471 9 42 35 10 39 27.0 32 Bank of Glen Burnie Glen Burnie 383,444 36 23 27 22 30 27.6 32 Chesapeake Bank of Maryland Baltimore 217,605 26 32 28 12 40 27.6 34 Glen Burnie Mutual Savings Bank Glen Burnie 99,473 43 41 1 21 33 27.8 35 Jarrettsville Federal Savings and Loan Association Jarrettsville 127,884 40 40 8 19 35 28.4 36 Madison Bank of Maryland Forest Hill 143,959 39 34 18 28 25 28.8 37 Homewood Federal Savings Bank Baltimore 61,047 34 43 15 18 37 29.4 38 Eastern Savings Bank, FSB Hunt Valley 315,659 1 35 40 42 34 30.4 39 Rosedale Federal Savings and Loan Association Baltimore 961,485 38 39 10 40 36 32.6 40 Harbor Bank of Maryland Baltimore 305,752 27 17 38 41 42 33.0 41 Arundel Federal Savings Bank Glen Burnie 431,299 41 38 11 37 41 33.6 42 Carroll Community Bank Eldersburg 185,655 37 29 32 33 38 33.8 43 Cecil Bank Elkton 174,166 42 26 36 43 43 38.0
Source: S&P Global Market Intelligence 106 Rank The Banks Mississippi – 2019 Q3 Mississippi – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Amory Federal Savings and Loan Association Amory 6/1/1934 1 10 No 81,318 (0.32) (2.45) BancorpSouth Bank Tupelo 3/31/1876 307 4,674 No 19,862,964 1.17 9.51 Bank of Anguilla Anguilla Pyramid Financial Corporation 1/1/1904 5 30 No 150,663 0.68 7.11 Bank of Benoit Benoit 1/1/1904 1 4 No 17,417 0.80 7.21 Bank of Brookhaven Brookhaven Haven Capital Corporation 1/31/2000 1 25 No 165,957 0.83 6.89 Bank of Commerce Greenwood Commerce Bancorp, Inc 8/4/1904 8 68 No 545,573 1.39 13.42 Bank of Forest Forest First Forest Corporation 2/1/1901 3 55 Yes 203,314 1.07 8.10 Bank of Franklin Meadville Franklin Bancshares, Inc. 10/13/1912 5 48 No 146,069 1.21 10.93 Bank of Holly Springs Holly Springs Holly Springs Bancshares, Inc. 2/9/1869 5 63 Yes 244,217 1.16 7.90 Bank of Kilmichael Kilmichael Kilmichael Bancorp, Inc. 9/16/1904 4 42 Yes 175,510 1.22 12.75 Bank of Morton Morton Morton Bancorp, Inc. 1/1/1904 1 16 Yes 68,797 1.65 11.02 Bank of Okolona Okolona Bancorp of Okolona, Inc. 1/31/1931 4 50 Yes 200,865 0.80 8.05 Bank of Wiggins Wiggins 12/4/1916 3 46 No 167,902 0.87 5.17 Bank of Winona Winona Bancorp of Winona, Inc. 6/15/1885 1 19 Yes 122,876 0.77 6.97 Bank of Yazoo City Yazoo City Yazoo Capital Corporation 4/15/1876 5 51 No 240,848 0.91 8.50 BankFirst Financial Services Macon BankFirst Capital Corporation 6/1/1888 22 264 No 1,273,339 1.11 10.73 BankPlus Belzoni BancPlus Corporation 1/1/1909 55 723 No 2,965,559 0.83 8.70 BNA Bank New Albany BNA Bancshares, Inc. 1/1/1896 6 103 No 524,965 1.50 12.49 Century Bank Lucedale Bancorp of Lucedale, Inc. 6/1/1903 10 118 No 330,680 1.08 10.19 Citizens Bank Byhalia Marshall Financial Corporation 11/1/1919 3 24 No 75,467 1.01 8.08 Citizens Bank Columbia Citizens Corporation 9/15/1914 8 135 Yes 425,412 1.15 12.38 Citizens Bank & Trust Company Marks CB&T Bancshares, Inc. 8/17/1917 3 37 Yes 141,898 (1.95) (21.15) Citizens Bank of Philadelphia, Mississippi Philadelphia Citizens Holding Company 1/1/1908 27 235 No 1,049,398 0.59 6.76 Citizens National Bank of Meridian Meridian Citizens National Banc Corp. 3/6/1888 26 320 Yes 1,432,447 1.36 12.32 Cleveland State Bank Cleveland Cleveland State Bancorp, Inc. 2/12/1908 6 62 No 229,592 1.07 10.66 Commerce Bank Corinth Commerce Holding Corporation 1/19/1999 1 28 Yes 124,765 1.37 11.90 Commercial Bank De Kalb Commercial Capital Corporation 12/1/1914 5 53 No 165,038 0.95 9.16 Community Bank of Mississippi Forest Community Bancshares of Mississippi, Inc. 8/14/1905 47 791 No 3,292,903 0.91 10.65 Copiah Bank Hazlehurst Copiah Bancshares, Inc. 10/26/1891 9 64 No 233,190 0.87 8.95 Covington County Bank Collins Covington Capital Corporation 5/1/1975 2 19 No 76,127 0.52 5.79 Farmers and Merchants Bank Baldwyn 3/10/1941 9 112 No 342,200 1.69 11.73 First American National Bank Iuka First American Bancshares, Inc. 9/5/1964 11 106 Yes 276,727 0.54 4.78 First Bank McComb First Southwest Corporation 6/25/1895 14 145 Yes 557,378 0.77 8.03 First Choice Bank Pontotoc Pontotoc Bancshares Corp. 9/1/1900 3 73 No 310,494 1.10 8.69 First Commercial Bank Jackson First Commercial Bancshares, Inc. 10/12/2000 5 53 No 392,531 1.06 8.10 First Federal Savings and Loan Association Aberdeen 3/23/1936 1 4 No 43,270 0.39 2.21 First Federal S&L Association of Pascagoula-Moss Point Pascagoula 10/28/1955 6 58 No 311,329 0.28 3.08 First National Bank of Clarksdale Clarksdale First Valley National Corp. 4/1/1964 5 51 No 353,106 1.25 9.45 First National Bank of Picayune Picayune First National Corporation of Picayune 7/31/1947 6 63 Yes 201,900 2.09 14.33 First Security Bank Batesville Security Capital Corporation 7/1/1952 18 188 No 572,413 1.34 11.74 First Southern Bank Columbia First Federal Bancorp 3/28/1960 6 68 Yes 197,254 0.94 8.34 First State Bank Holly Springs First State Capital Corporation 5/25/1916 3 35 No 118,448 0.66 6.16 First State Bank Waynesboro First State Corporation 6/4/1934 14 175 No 791,522 1.04 8.04 First, A National Banking Association Hattiesburg First Bancshares, Inc. 8/5/1996 75 635 No 3,472,906 1.43 9.46 FNB Oxford Bank Oxford First National Holding Company 10/10/1910 5 65 No 365,351 1.08 9.22 Grand Bank for Savings, FSB Hattiesburg Grand Financial Corporation 1/1/1968 2 40 Yes 85,996 0.59 4.65 Great Southern Bank Meridian Great Southern Capital Corporation 3/2/1902 12 136 No 301,036 0.89 9.82 Guaranty Bank and Trust Company Belzoni Guaranty Capital Corporation 5/17/1943 18 202 Yes 896,432 1.52 14.76 Hancock Whitney Bank Gulfport Hancock Whitney Corporation 10/9/1899 225 3,809 No 30,529,429 1.19 10.68 Holmes County Bank & Trust Company Lexington Holmes County Capital Corporation 1/1/1932 4 21 Yes 120,058 0.73 5.79
Source: S&P Global Market Intelligence 108 Mississippi – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Jefferson Bank Greenville Southeast Arkansas Bank Corporation 10/10/1900 3 27 No 125,564 1.02 5.74 Magnolia State Bank Bay Springs Magnolia State Corporation 8/4/1975 8 86 Yes 336,434 0.74 7.58 Mechanics Bank Water Valley Mechanics Banc Holding Company 1/1/1892 6 69 No 233,700 0.99 9.14 Merchants & Farmers Bank Holly Springs M & F Bancorp, Inc. 3/15/1899 4 36 Yes 102,722 0.47 4.43 Merchants & Marine Bank Pascagoula Merchants & Marine Bancorp, Inc. 1/11/1932 13 144 No 574,088 0.69 5.65 Merchants and Planters Bank Raymond 1/27/1906 4 30 No 93,811 1.00 9.88 OmniBank Bay Springs 1/1/1907 3 20 No 46,845 0.01 0.09 Oxford University Bank Oxford Lafayette Bancorp, Inc. 11/27/2000 3 30 No 163,655 0.72 6.99 Peoples Bank Mendenhall Peoples Bancshares, Inc. 11/5/1908 5 122 Yes 310,997 1.75 18.15 Peoples Bank Ripley Peoples Corporation 3/3/1925 6 82 No 425,238 1.08 10.05 Peoples Bank, Biloxi, Mississippi Biloxi Peoples Financial Corporation 4/15/1896 19 152 No 614,791 0.15 1.05 Pike National Bank McComb PCNB Corp. 9/30/1985 5 79 No 256,465 1.24 9.15 Planters Bank & Trust Company Indianola Planters Holding Company 4/10/1920 19 236 No 1,090,964 1.19 11.54 PriorityOne Bank Magee PriorityOne Capital Corporation 1/1/1905 15 198 Yes 687,782 1.10 10.13 Renasant Bank Tupelo Renasant Corporation 2/27/1904 168 2,511 No 13,020,626 1.46 8.16 Richton Bank & Trust Company Richton Centon Bancorp, Inc. 1/1/1931 2 16 Yes 57,079 0.75 4.63 RiverHills Bank Vicksburg RiverHills Capital Corporation 2/1/1890 4 56 Yes 338,502 1.19 11.33 State Bank & Trust Company Ridgeland State Capital Corporation 11/1/1898 34 295 No 1,151,033 0.88 8.15 Sycamore Bank Senatobia Tate Financial Corporation 3/13/1900 5 61 No 227,429 1.00 10.21 Trustmark National Bank Jackson Trustmark Corporation 12/19/1889 205 2,835 No 13,582,728 1.16 9.46 United Mississippi Bank Natchez Southwest Security, Inc. 5/14/1973 10 132 Yes 356,406 0.63 6.08
Source: S&P Global Market Intelligence 109 Mississippi – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 Hancock Whitney Bank Gulfport 3,809 225 24,493,469 108,860 135,686 6,430 8,015 30,529,429 2 BancorpSouth Bank Tupelo 4,674 307 15,838,298 51,591 64,700 3,389 4,250 19,862,964 3 Trustmark National Bank Jackson 2,835 205 11,269,528 54,973 66,257 3,975 4,791 13,582,728 4 Renasant Bank Tupelo 2,511 168 10,305,915 61,345 77,504 4,104 5,185 13,020,626 5 First, A National Banking Association Hattiesburg 635 75 2,769,321 36,924 46,305 4,361 5,469 3,472,906 6 Community Bank of Mississippi Forest 791 47 2,959,396 62,966 70,062 3,741 4,163 3,292,903 7 BankPlus Belzoni 723 55 2,612,970 47,509 53,919 3,614 4,102 2,965,559 8 Citizens National Bank of Meridian Meridian 320 26 1,242,375 47,784 55,094 3,882 4,476 1,432,447 9 BankFirst Financial Services Macon 264 22 1,106,019 50,274 57,879 4,189 4,823 1,273,339 10 State Bank & Trust Company Ridgeland 295 34 998,756 29,375 33,854 3,386 3,902 1,151,033 11 Planters Bank & Trust Company Indianola 236 19 946,003 49,790 57,419 4,008 4,623 1,090,964 12 Citizens Bank of Philadelphia, Mississippi Philadelphia 235 27 796,094 29,485 38,867 3,388 4,466 1,049,398 13 Guaranty Bank and Trust Company Belzoni 202 18 761,117 42,284 49,802 3,768 4,438 896,432 14 First State Bank Waynesboro 175 14 648,275 46,305 56,537 3,704 4,523 791,522 15 PriorityOne Bank Magee 198 15 571,624 38,108 45,852 2,887 3,474 687,782 16 Peoples Bank, Biloxi, Mississippi Biloxi 152 19 501,623 26,401 32,357 3,300 4,045 614,791 17 Merchants & Marine Bank Pascagoula 144 13 484,207 37,247 44,161 3,363 3,987 574,088 18 First Security Bank Batesville 188 18 495,332 27,518 31,801 2,635 3,045 572,413 19 First Bank McComb 145 14 476,028 34,002 39,813 3,283 3,844 557,378 20 Bank of Commerce Greenwood 68 8 465,999 58,250 68,197 6,853 8,023 545,573 21 BNA Bank New Albany 103 6 446,013 74,336 87,494 4,330 5,097 524,965 22 Citizens Bank Columbia 135 8 369,522 46,190 53,177 2,737 3,151 425,412 23 Peoples Bank Ripley 82 6 364,581 60,764 70,873 4,446 5,186 425,238 24 First Commercial Bank Jackson 53 5 319,726 63,945 78,506 6,033 7,406 392,531 25 FNB Oxford Bank Oxford 65 5 302,002 60,400 73,070 4,646 5,621 365,351 26 United Mississippi Bank Natchez 132 10 310,077 31,008 35,641 2,349 2,700 356,406 27 First National Bank of Clarksdale Clarksdale 51 5 296,161 59,232 70,621 5,807 6,924 353,106 28 Farmers and Merchants Bank Baldwyn 112 9 282,233 31,359 38,022 2,520 3,055 342,200 29 RiverHills Bank Vicksburg 56 4 275,999 69,000 84,626 4,929 6,045 338,502 30 Magnolia State Bank Bay Springs 86 8 300,600 37,575 42,054 3,495 3,912 336,434 31 Century Bank Lucedale 118 10 276,411 27,641 33,068 2,342 2,802 330,680 32 First Federal S&L Association of Pascagoula-Moss Point Pascagoula 58 6 188,014 31,336 51,888 3,242 5,368 311,329 33 Peoples Bank Mendenhall 122 5 274,929 54,986 62,199 2,254 2,549 310,997 34 First Choice Bank Pontotoc 73 3 266,573 88,858 103,498 3,652 4,253 310,494 35 Great Southern Bank Meridian 136 12 271,161 22,597 25,086 1,994 2,214 301,036 36 First American National Bank Iuka 106 11 240,991 21,908 25,157 2,274 2,611 276,727 37 Pike National Bank McComb 79 5 217,896 43,579 51,293 2,758 3,246 256,465 38 Bank of Holly Springs Holly Springs 63 5 196,465 39,293 48,843 3,118 3,876 244,217 39 Bank of Yazoo City Yazoo City 51 5 210,215 42,043 48,170 4,122 4,723 240,848 40 Mechanics Bank Water Valley 69 6 203,954 33,992 38,950 2,956 3,387 233,700 41 Copiah Bank Hazlehurst 64 9 187,265 20,807 25,910 2,926 3,644 233,190 42 Cleveland State Bank Cleveland 62 6 200,524 33,421 38,265 3,234 3,703 229,592 43 Sycamore Bank Senatobia 61 5 202,294 40,459 45,486 3,316 3,728 227,429 44 Bank of Forest Forest 55 3 172,951 57,650 67,771 3,145 3,697 203,314 45 First National Bank of Picayune Picayune 63 6 170,231 28,372 33,650 2,702 3,205 201,900 46 Bank of Okolona Okolona 50 4 174,820 43,705 50,216 3,496 4,017 200,865 47 First Southern Bank Columbia 68 6 173,839 28,973 32,876 2,556 2,901 197,254 48 Bank of Kilmichael Kilmichael 42 4 154,786 38,697 43,878 3,685 4,179 175,510 49 Bank of Wiggins Wiggins 46 3 136,130 45,377 55,967 2,959 3,650 167,902 50 Bank of Brookhaven Brookhaven 25 1 141,766 141,766 165,957 5,671 6,638 165,957
Source: S&P Global Market Intelligence 110 Mississippi – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Grand Bank for Savings, FSB Hattiesburg 85,996 8.68 0.24 1.72 6.78 98.64 NA 6.45 2 Bank of Morton Morton 68,797 6.99 0.05 0.79 2.56 91.76 2.87 5.53 3 Peoples Bank Mendenhall 310,997 7.25 2.20 1.26 6.88 89.58 3.63 5.38 4 First National Bank of Picayune Picayune 201,900 6.45 2.62 0.42 (3.57) 84.32 2.82 5.00 5 Jefferson Bank Greenville 125,564 8.11 (13.71) 1.74 14.00 88.62 2.68 4.97 6 Farmers and Merchants Bank Baldwyn 342,200 7.07 2.82 0.89 5.99 69.66 3.56 4.80 7 Bank of Holly Springs Holly Springs 244,217 6.33 5.87 0.96 8.85 88.58 3.19 4.74 8 OmniBank Bay Springs 46,845 5.74 (0.67) 0.26 (3.61) 75.11 2.40 4.73 9 Citizens Bank Byhalia 75,467 6.71 (5.07) 0.53 1.40 56.17 2.54 4.58 10 Bank of Anguilla Anguilla 150,663 6.36 (4.72) 0.83 3.04 79.21 2.82 4.55 11 Bank of Franklin Meadville 146,069 6.35 10.86 0.68 9.72 75.94 2.72 4.52 12 First Southern Bank Columbia 197,254 5.59 3.65 0.37 (5.92) 80.64 2.97 4.45 13 First Security Bank Batesville 572,413 5.97 (2.95) 0.56 5.40 73.92 2.92 4.42 14 Pike National Bank McComb 256,465 6.64 7.70 0.88 4.31 71.88 2.89 4.41 15 United Mississippi Bank Natchez 356,406 5.71 (3.55) 0.48 (3.56) 83.76 2.68 4.39 16 Great Southern Bank Meridian 301,036 8.36 (0.19) 0.43 4.95 43.64 2.43 4.37 17 Century Bank Lucedale 330,680 6.03 2.05 0.73 8.75 79.83 2.84 4.31 18 Bank of Kilmichael Kilmichael 175,510 6.16 5.00 0.83 2.04 75.66 3.08 4.30 19 Commerce Bank Corinth 124,765 5.89 9.60 0.75 4.08 83.64 2.64 4.29 20 Bank of Okolona Okolona 200,865 6.36 (8.39) 1.33 6.72 78.71 3.53 4.28 21 Bank of Benoit Benoit 17,417 8.55 20.17 0.38 16.76 36.81 2.47 4.27 22 Renasant Bank Tupelo 13,020,626 5.34 1.26 0.80 0.93 94.18 3.01 4.24 23 Sycamore Bank Senatobia 227,429 5.57 4.37 0.65 (0.72) 77.35 2.88 4.22 24 Citizens Bank Columbia 425,412 6.01 (1.73) 1.05 1.77 86.18 2.28 4.21 24 PriorityOne Bank Magee 687,782 5.72 2.45 1.04 8.04 91.52 3.02 4.21 26 Copiah Bank Hazlehurst 233,190 5.63 (0.17) 0.94 1.79 92.85 2.68 4.18 27 Guaranty Bank and Trust Company Belzoni 896,432 5.78 12.01 1.04 12.72 89.55 3.10 4.17 28 Merchants and Planters Bank Raymond 93,811 5.37 6.10 0.23 2.83 68.05 2.38 4.16 29 First American National Bank Iuka 276,727 6.26 10.83 0.51 4.40 63.59 2.55 4.15 30 Richton Bank & Trust Company Richton 57,079 6.01 (1.91) 0.40 2.59 49.96 3.97 4.14 31 First, A National Banking Association Hattiesburg 3,472,906 5.47 34.71 0.71 33.83 85.26 2.92 4.13 32 Bank of Forest Forest 203,314 6.05 5.62 0.70 1.56 69.37 2.43 4.09 33 Citizens Bank & Trust Company Marks 141,898 5.69 (9.39) 0.97 8.26 88.79 2.82 4.05 34 Commercial Bank De Kalb 165,038 6.28 4.45 0.77 8.97 67.51 2.78 4.02 35 BankPlus Belzoni 2,965,559 5.23 5.03 0.56 11.20 81.26 2.57 4.01 36 Magnolia State Bank Bay Springs 336,434 5.33 (1.19) 0.64 0.58 84.70 1.95 3.99 37 Cleveland State Bank Cleveland 229,592 5.54 3.52 0.33 4.10 64.41 2.62 3.98 38 First Choice Bank Pontotoc 310,494 6.06 6.67 1.03 3.47 74.27 2.63 3.96 39 BancorpSouth Bank Tupelo 19,862,964 5.07 14.05 0.75 19.95 90.63 2.27 3.82 40 Mechanics Bank Water Valley 233,700 5.83 (1.61) 1.13 8.30 76.88 2.33 3.79 41 Bank of Winona Winona 122,876 5.71 8.26 0.71 4.45 51.65 3.64 3.74 42 State Bank & Trust Company Ridgeland 1,151,033 5.28 0.17 1.05 2.04 89.15 2.63 3.73 43 Bank of Wiggins Wiggins 167,902 5.80 (13.38) 0.80 (10.71) 66.91 2.59 3.71 44 Oxford University Bank Oxford 163,655 5.34 2.97 1.45 11.56 88.17 2.94 3.66 44 First Commercial Bank Jackson 392,531 5.04 (1.84) 1.12 3.05 99.88 2.60 3.66 44 Merchants & Farmers Bank Holly Springs 102,722 6.11 (3.40) 0.82 (0.97) 52.53 3.30 3.66 47 BankFirst Financial Services Macon 1,273,339 4.96 19.88 0.73 32.95 83.89 2.63 3.64 48 Community Bank of Mississippi Forest 3,292,903 5.53 1.51 0.99 2.76 74.97 2.03 3.57 49 First National Bank of Clarksdale Clarksdale 353,106 5.43 (5.29) 0.74 (6.02) 74.21 2.75 3.55 50 Citizens National Bank of Meridian Meridian 1,432,447 5.18 1.38 0.91 4.95 79.67 2.62 3.54
Source: S&P Global Market Intelligence 111 Mississippi – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Peoples Bank Mendenhall 310,997 7,171 0.53 1.73 0.00 (0.04) 7,511 2.44 2 Merchants and Planters Bank Raymond 93,811 892 0.25 0.00 0.00 0.00 1,867 2.10 3 PriorityOne Bank Magee 687,782 9,824 0.73 0.34 0.00 (0.02) 11,666 1.75 4 BankPlus Belzoni 2,965,559 23,739 0.99 0.14 0.00 (0.41) 47,501 1.67 5 Richton Bank & Trust Company Richton 57,079 559 0.57 0.00 0.00 0.00 885 1.58 6 Farmers and Merchants Bank Baldwyn 342,200 5,777 0.57 0.00 0.00 0.00 5,154 1.51 7 BancorpSouth Bank Tupelo 19,862,964 215,509 0.27 0.13 (0.11) 0.00 262,408 1.42 8 First Security Bank Batesville 572,413 7,641 0.76 0.00 0.00 (0.01) 7,985 1.40 9 Trustmark National Bank Jackson 13,582,728 155,988 0.34 0.17 (0.15) (0.01) 181,804 1.35 10 Guaranty Bank and Trust Company Belzoni 896,432 17,109 0.49 0.00 0.00 0.00 11,309 1.34 11 United Mississippi Bank Natchez 356,406 3,018 0.49 0.00 0.00 (0.04) 4,738 1.32 11 Citizens National Bank of Meridian Meridian 1,432,447 25,556 0.41 0.04 0.00 (0.02) 18,586 1.32 11 Pike National Bank McComb 256,465 3,100 0.71 0.00 0.00 (0.03) 3,325 1.32 14 Bank of Franklin Meadville 146,069 1,748 0.61 0.00 0.00 0.00 1,845 1.28 15 Century Bank Lucedale 330,680 3,487 0.55 0.00 0.00 0.01 4,060 1.25 16 Renasant Bank Tupelo 13,020,626 185,558 0.27 0.33 0.01 (0.01) 148,889 1.17 16 Sycamore Bank Senatobia 227,429 2,257 0.53 0.00 0.00 0.00 2,640 1.17 18 Hancock Whitney Bank Gulfport 30,529,429 341,061 0.30 0.04 0.00 0.06 324,748 1.13 19 First American National Bank Iuka 276,727 1,913 0.55 0.00 0.00 0.00 2,980 1.11 20 BankFirst Financial Services Macon 1,273,339 12,648 0.40 0.21 0.00 (0.01) 12,493 1.09 21 Merchants & Marine Bank Pascagoula 574,088 4,010 0.54 0.00 0.00 (0.01) 6,138 1.06 22 Merchants & Farmers Bank Holly Springs 102,722 641 0.65 0.00 0.00 (0.03) 1,059 1.04 23 First National Bank of Picayune Picayune 201,900 5,728 0.71 0.00 0.00 (0.01) 2,113 1.03 24 Great Southern Bank Meridian 301,036 2,643 0.73 0.00 0.00 (0.01) 3,034 1.02 24 Mechanics Bank Water Valley 233,700 2,244 0.25 0.00 0.00 (0.01) 2,313 1.02 26 Citizens Bank Columbia 425,412 6,463 0.49 0.00 0.00 (0.02) 4,268 1.01 27 Bank of Morton Morton 68,797 1,495 0.61 0.00 0.00 0.00 681 1.00 28 First Southern Bank Columbia 197,254 2,421 0.47 0.00 0.01 0.00 1,932 0.99 29 Covington County Bank Collins 76,127 420 0.36 0.00 0.00 (0.03) 792 0.98 30 Planters Bank & Trust Company Indianola 1,090,964 12,739 0.53 0.00 0.00 (0.02) 10,195 0.95 31 Bank of Forest Forest 203,314 2,852 0.41 0.10 0.00 0.00 1,834 0.92 32 Commerce Bank Corinth 124,765 2,172 0.51 0.00 0.00 (0.01) 1,071 0.90 32 Citizens Bank Byhalia 75,467 752 0.45 0.00 0.00 (0.04) 675 0.90 34 Peoples Bank Ripley 425,238 4,499 0.19 0.00 0.00 0.00 3,723 0.89 34 First Choice Bank Pontotoc 310,494 3,361 0.53 0.00 0.00 0.02 2,719 0.89 36 Peoples Bank, Biloxi, Mississippi Biloxi 614,791 913 0.30 0.00 0.01 (0.08) 5,480 0.88 37 Citizens Bank & Trust Company Marks 141,898 (3,592) 0.39 0.00 0.00 (0.04) 1,199 0.87 38 Bank of Anguilla Anguilla 150,663 987 0.19 0.00 0.00 0.01 1,244 0.86 38 Copiah Bank Hazlehurst 233,190 1,990 0.48 0.00 0.00 (0.05) 1,986 0.86 40 Citizens Bank of Philadelphia, Mississippi Philadelphia 1,049,398 5,954 0.44 0.00 0.00 0.00 8,635 0.85 41 First Bank McComb 557,378 5,651 0.22 0.00 0.00 0.00 4,641 0.83 42 Jefferson Bank Greenville 125,564 1,243 0.12 0.00 0.00 0.00 1,000 0.82 42 Bank of Kilmichael Kilmichael 175,510 2,891 0.45 0.00 0.00 0.00 1,450 0.82 44 Holmes County Bank & Trust Company Lexington 120,058 1,162 0.33 0.00 0.00 0.02 975 0.81 45 Community Bank of Mississippi Forest 3,292,903 30,004 0.30 0.14 0.00 (0.03) 26,458 0.80 46 Bank of Wiggins Wiggins 167,902 1,533 0.47 0.00 0.00 0.00 1,395 0.79 46 Bank of Brookhaven Brookhaven 165,957 1,314 0.52 0.00 0.00 0.00 1,242 0.79 48 Bank of Yazoo City Yazoo City 240,848 2,269 0.41 0.00 0.00 0.00 1,879 0.75 49 Bank of Okolona Okolona 200,865 2,116 0.61 0.00 0.00 (0.09) 1,479 0.74 50 Grand Bank for Savings, FSB Hattiesburg 85,996 657 0.00 0.24 0.01 0.34 605 0.73
Source: S&P Global Market Intelligence 112 Mississippi – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 First Federal Savings and Loan Association Aberdeen 43,270 73.45 4 1 0.75 0.10 0.69 1.54 2 Bank of Commerce Greenwood 545,573 50.92 68 8 1.20 0.19 0.52 1.91 3 BNA Bank New Albany 524,965 51.67 103 6 1.39 0.22 0.46 2.06 4 First State Bank Waynesboro 791,522 60.36 175 14 1.28 0.37 0.42 2.07 5 Amory Federal Savings and Loan Association Amory 81,318 112.57 10 1 1.24 0.23 0.65 2.11 6 RiverHills Bank Vicksburg 338,502 55.64 56 4 1.31 0.26 0.59 2.17 7 FNB Oxford Bank Oxford 365,351 65.82 65 5 1.47 0.30 0.59 2.35 8 Peoples Bank Ripley 425,238 60.49 82 6 1.56 0.22 0.60 2.37 9 First, A National Banking Association Hattiesburg 3,472,906 53.67 635 75 1.32 0.31 0.76 2.38 10 First National Bank of Clarksdale Clarksdale 353,106 61.69 51 5 1.71 0.28 0.42 2.40 11 Hancock Whitney Bank Gulfport 30,529,429 58.82 3,809 225 1.43 0.24 0.86 2.53 12 Citizens Bank of Philadelphia, Mississippi Philadelphia 1,049,398 77.00 235 27 1.36 0.54 0.68 2.58 13 First Commercial Bank Jackson 392,531 68.61 53 5 1.61 0.29 0.70 2.60 14 Planters Bank & Trust Company Indianola 1,090,964 62.30 236 19 1.52 0.32 0.81 2.65 15 First Federal S&L Association of Pascagoula-Moss Point Pascagoula 311,329 86.41 58 6 1.59 0.31 0.76 2.66 16 Bank of Yazoo City Yazoo City 240,848 69.70 51 5 1.44 0.32 0.92 2.69 17 Oxford University Bank Oxford 163,655 69.41 30 3 1.46 0.34 0.97 2.77 18 State Bank & Trust Company Ridgeland 1,151,033 69.98 295 34 1.74 0.37 0.68 2.79 19 Citizens National Bank of Meridian Meridian 1,432,447 58.82 320 26 1.65 0.30 0.85 2.80 20 Renasant Bank Tupelo 13,020,626 58.32 2,511 168 1.89 0.36 0.56 2.81 21 Community Bank of Mississippi Forest 3,292,903 68.98 791 47 1.77 0.36 0.73 2.86 22 First National Bank of Picayune Picayune 201,900 49.53 63 6 1.88 0.24 0.74 2.87 23 Holmes County Bank & Trust Company Lexington 120,058 74.73 21 4 1.51 0.12 1.24 2.87 24 Commerce Bank Corinth 124,765 58.79 28 1 1.78 0.15 0.97 2.90 25 Bank of Winona Winona 122,876 70.27 19 1 1.84 0.40 0.65 2.90 26 First Choice Bank Pontotoc 310,494 63.67 73 3 1.70 0.29 0.94 2.94 27 BankFirst Financial Services Macon 1,273,339 65.25 264 22 1.67 0.24 1.03 2.94 28 Covington County Bank Collins 76,127 73.69 19 2 1.44 0.47 1.02 2.94 29 Bank of Benoit Benoit 17,417 75.72 4 1 1.45 0.12 1.37 2.94 30 Bank of Brookhaven Brookhaven 165,957 71.29 25 1 1.64 0.29 1.02 2.95 31 Bank of Kilmichael Kilmichael 175,510 59.97 42 4 1.76 0.25 0.95 2.96 32 Cleveland State Bank Cleveland 229,592 67.37 62 6 1.91 0.47 0.59 2.97 33 Bank of Okolona Okolona 200,865 63.95 50 4 1.39 0.24 1.41 3.04 34 Commercial Bank De Kalb 165,038 66.97 53 5 1.86 0.47 0.72 3.04 35 Bank of Forest Forest 203,314 66.53 55 3 1.71 0.32 1.03 3.06 36 Trustmark National Bank Jackson 13,582,728 67.31 2,835 205 1.81 0.38 0.90 3.09 37 First Bank McComb 557,378 74.35 145 14 1.75 0.42 0.93 3.09 38 Guaranty Bank and Trust Company Belzoni 896,432 58.13 202 18 1.92 0.47 0.71 3.10 39 Bank of Wiggins Wiggins 167,902 72.89 46 3 1.77 0.35 1.00 3.12 40 Merchants & Marine Bank Pascagoula 574,088 74.95 144 13 1.60 0.67 0.87 3.14 41 Magnolia State Bank Bay Springs 336,434 75.19 86 8 1.51 0.56 1.12 3.19 42 BancorpSouth Bank Tupelo 19,862,964 67.82 4,674 307 2.12 0.35 0.84 3.31 43 First State Bank Holly Springs 118,448 90.09 35 3 2.01 0.31 1.02 3.34 44 Mechanics Bank Water Valley 233,700 73.63 69 6 2.07 0.35 0.94 3.36 45 Bank of Holly Springs Holly Springs 244,217 66.30 63 5 1.96 0.41 1.00 3.37 46 Citizens Bank Columbia 425,412 68.04 135 8 2.15 0.37 0.87 3.39 47 Copiah Bank Hazlehurst 233,190 72.40 64 9 1.75 0.68 0.98 3.41 48 Citizens Bank & Trust Company Marks 141,898 75.70 37 3 1.77 0.34 1.35 3.45 49 First Security Bank Batesville 572,413 65.30 188 18 2.30 0.45 0.72 3.48 50 Peoples Bank, Biloxi, Mississippi Biloxi 614,791 94.74 152 19 1.73 0.56 1.24 3.53
Source: S&P Global Market Intelligence 113 Mississippi – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Bank of Brookhaven Brookhaven 165,957 95,784 0.96 0.10 0.03 0.00 0.07 0.20 2 Merchants and Planters Bank Raymond 93,811 57,057 1.23 0.08 0.16 0.25 (0.07) 0.43 3 First Commercial Bank Jackson 392,531 319,357 1.32 0.00 0.00 0.48 0.07 0.55 4 First Federal Savings and Loan Association Aberdeen 43,270 29,170 0.49 0.48 0.23 0.00 0.00 0.71 5 State Bank & Trust Company Ridgeland 1,151,033 890,418 0.96 0.11 0.00 0.62 0.09 0.82 6 FNB Oxford Bank Oxford 365,351 210,015 1.09 0.16 0.00 0.69 0.02 0.87 7 Renasant Bank Tupelo 13,020,626 9,706,232 0.52 0.30 0.15 0.42 0.03 0.90 8 BancorpSouth Bank Tupelo 19,862,964 14,354,874 0.81 0.39 0.11 0.60 0.05 1.15 9 Trustmark National Bank Jackson 13,582,728 9,597,472 0.88 0.12 0.04 0.92 0.16 1.23 10 First Southern Bank Columbia 197,254 140,178 1.02 0.89 0.00 0.33 0.13 1.35 11 First Choice Bank Pontotoc 310,494 197,977 1.00 0.89 0.00 0.41 0.14 1.44 12 Sycamore Bank Senatobia 227,429 156,484 0.89 0.63 0.00 1.10 0.06 1.79 13 BankFirst Financial Services Macon 1,273,339 927,875 0.99 0.51 0.00 1.30 0.03 1.84 14 Peoples Bank Ripley 425,238 187,454 0.77 0.42 0.00 0.69 0.86 1.97 15 Guaranty Bank and Trust Company Belzoni 896,432 683,097 1.34 0.51 0.01 1.41 0.07 2.00 16 Richton Bank & Trust Company Richton 57,079 23,020 1.75 1.50 0.00 0.32 0.18 2.00 17 BankPlus Belzoni 2,965,559 2,123,314 1.06 0.77 0.10 0.80 0.34 2.01 18 Oxford University Bank Oxford 163,655 126,564 1.02 0.78 0.24 0.82 0.19 2.03 19 First Federal S&L Association of Pascagoula-Moss Point Pascagoula 311,329 253,168 0.40 0.56 0.11 1.32 0.08 2.06 20 Cleveland State Bank Cleveland 229,592 129,150 1.28 0.63 0.19 1.14 0.11 2.07 21 Bank of Franklin Meadville 146,069 97,413 1.18 1.12 0.07 0.84 0.10 2.13 22 Hancock Whitney Bank Gulfport 30,529,429 21,111,741 0.93 0.31 0.08 1.43 0.33 2.15 23 Citizens National Bank of Meridian Meridian 1,432,447 989,825 1.26 0.61 0.03 1.45 0.13 2.22 24 First Bank McComb 557,378 455,418 1.03 1.61 0.07 0.52 0.04 2.23 25 Copiah Bank Hazlehurst 233,190 173,877 1.32 0.76 0.04 1.41 0.08 2.29 26 Citizens Bank Byhalia 75,467 36,482 0.95 1.53 0.00 0.63 0.15 2.31 27 Magnolia State Bank Bay Springs 336,434 254,617 0.85 1.41 0.07 0.79 0.06 2.32 28 Commerce Bank Corinth 124,765 86,724 1.97 1.25 0.38 0.51 0.21 2.35 29 BNA Bank New Albany 524,965 310,633 1.72 0.88 0.10 1.44 0.06 2.48 30 Bank of Yazoo City Yazoo City 240,848 132,268 1.42 0.29 1.88 0.16 0.18 2.51 31 Bank of Commerce Greenwood 545,573 326,728 1.34 1.86 0.28 0.49 (0.02) 2.60 32 First, A National Banking Association Hattiesburg 3,472,906 2,362,137 0.55 0.37 0.09 2.19 0.00 2.66 33 RiverHills Bank Vicksburg 338,502 189,945 2.31 1.52 0.25 0.87 0.03 2.68 34 Bank of Kilmichael Kilmichael 175,510 117,115 1.37 0.77 0.00 1.52 0.45 2.74 35 Community Bank of Mississippi Forest 3,292,903 2,218,715 0.93 1.27 0.15 1.20 0.14 2.76 36 Great Southern Bank Meridian 301,036 120,075 1.09 1.98 0.18 0.53 0.37 3.05 37 First National Bank of Clarksdale Clarksdale 353,106 219,787 1.61 0.23 0.00 2.97 (0.04) 3.16 38 Farmers and Merchants Bank Baldwyn 342,200 196,614 1.51 1.13 0.00 1.97 0.21 3.31 39 First Security Bank Batesville 572,413 366,326 1.02 1.06 0.18 2.00 0.10 3.34 40 Mechanics Bank Water Valley 233,700 156,803 1.19 1.42 0.13 1.86 0.10 3.50 41 Planters Bank & Trust Company Indianola 1,090,964 612,228 0.83 1.61 0.00 1.77 0.13 3.52 42 Covington County Bank Collins 76,127 40,054 0.14 1.69 0.19 1.17 0.54 3.60 43 PriorityOne Bank Magee 687,782 523,165 0.91 2.13 0.03 1.04 0.50 3.71 44 First State Bank Holly Springs 118,448 67,492 0.82 0.48 0.00 3.17 0.07 3.72 45 First American National Bank Iuka 276,727 153,245 1.11 2.19 0.19 1.15 0.24 3.78 46 Jefferson Bank Greenville 125,564 90,678 4.81 1.73 0.00 2.03 0.04 3.80 47 First State Bank Waynesboro 791,522 531,861 0.85 2.69 0.08 1.19 0.12 4.07 48 Merchants & Marine Bank Pascagoula 574,088 319,120 1.05 1.29 0.00 2.87 0.13 4.29 49 United Mississippi Bank Natchez 356,406 259,730 0.89 1.04 0.04 3.21 0.06 4.35 50 Citizens Bank Columbia 425,412 318,466 1.40 2.30 0.18 1.84 0.11 4.43
Source: S&P Global Market Intelligence 114 Mississippi – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Peoples Bank Mendenhall 310,997 7,171 122 59 6,348 5,738 1.75 18.15 2 Guaranty Bank and Trust Company Belzoni 896,432 17,109 202 85 13,469 12,145 1.52 14.76 3 First National Bank of Picayune Picayune 201,900 5,728 63 91 5,595 4,820 2.09 14.33 4 Bank of Commerce Greenwood 545,573 6,898 68 101 6,384 4,672 1.39 13.42 5 Bank of Kilmichael Kilmichael 175,510 2,891 42 69 2,519 2,530 1.22 12.75 6 BNA Bank New Albany 524,965 7,766 103 75 4,297 6,861 1.50 12.49 7 Citizens Bank Columbia 425,412 6,463 135 48 6,277 6,226 1.15 12.38 8 Citizens National Bank of Meridian Meridian 1,432,447 25,556 320 80 24,931 22,993 1.36 12.32 9 Commerce Bank Corinth 124,765 2,172 28 78 2,311 2,082 1.37 11.90 10 First Security Bank Batesville 572,413 7,641 188 41 7,583 5,655 1.34 11.74 11 Farmers and Merchants Bank Baldwyn 342,200 5,777 112 52 4,368 3,709 1.69 11.73 12 Planters Bank & Trust Company Indianola 1,090,964 12,739 236 54 10,321 10,692 1.19 11.54 13 RiverHills Bank Vicksburg 338,502 5,129 56 92 4,945 3,764 1.19 11.33 14 Bank of Morton Morton 68,797 1,495 16 93 1,970 2,001 1.65 11.02 15 Bank of Franklin Meadville 146,069 1,748 48 36 1,354 854 1.21 10.93 16 BankFirst Financial Services Macon 1,273,339 12,648 264 48 8,733 7,908 1.11 10.73 17 Hancock Whitney Bank Gulfport 30,529,429 341,061 3,809 90 294,378 233,212 1.19 10.68 18 Cleveland State Bank Cleveland 229,592 2,445 62 39 2,606 1,878 1.07 10.66 19 Community Bank of Mississippi Forest 3,292,903 30,004 791 38 22,055 7,913 0.91 10.65 20 Sycamore Bank Senatobia 227,429 2,257 61 37 2,081 1,837 1.00 10.21 21 Century Bank Lucedale 330,680 3,487 118 30 3,280 2,484 1.08 10.19 22 PriorityOne Bank Magee 687,782 9,824 198 50 10,446 10,808 1.10 10.13 23 Peoples Bank Ripley 425,238 4,499 82 55 3,621 3,367 1.08 10.05 24 Merchants and Planters Bank Raymond 93,811 892 30 30 354 365 1.00 9.88 25 Great Southern Bank Meridian 301,036 2,643 136 19 2,472 2,349 0.89 9.82 26 BancorpSouth Bank Tupelo 19,862,964 215,509 4,674 46 212,232 157,494 1.17 9.51 27 Trustmark National Bank Jackson 13,582,728 155,988 2,835 55 131,275 121,088 1.16 9.46 27 First, A National Banking Association Hattiesburg 3,472,906 45,892 635 72 21,195 12,624 1.43 9.46 29 First National Bank of Clarksdale Clarksdale 353,106 4,473 51 88 3,383 4,275 1.25 9.45 30 FNB Oxford Bank Oxford 365,351 3,589 65 55 3,067 3,328 1.08 9.22 31 Commercial Bank De Kalb 165,038 1,506 53 28 1,399 1,083 0.95 9.16 32 Pike National Bank McComb 256,465 3,100 79 39 2,462 2,104 1.24 9.15 33 Mechanics Bank Water Valley 233,700 2,244 69 33 1,238 2,088 0.99 9.14 34 Copiah Bank Hazlehurst 233,190 1,990 64 31 1,591 1,378 0.87 8.95 35 BankPlus Belzoni 2,965,559 23,739 723 33 33,916 22,648 0.83 8.70 36 First Choice Bank Pontotoc 310,494 3,361 73 46 3,154 2,661 1.10 8.69 37 Bank of Yazoo City Yazoo City 240,848 2,269 51 44 1,991 2,256 0.91 8.50 38 First Southern Bank Columbia 197,254 2,421 68 36 1,966 1,855 0.94 8.34 39 Renasant Bank Tupelo 13,020,626 185,558 2,511 74 129,043 106,622 1.46 8.16 40 State Bank & Trust Company Ridgeland 1,151,033 10,242 295 35 7,784 7,588 0.88 8.15 41 Bank of Forest Forest 203,314 2,852 55 52 1,970 1,393 1.07 8.10 42 First Commercial Bank Jackson 392,531 4,203 53 79 4,103 3,425 1.06 8.10 43 Citizens Bank Byhalia 75,467 752 24 31 411 656 1.01 8.08 44 Bank of Okolona Okolona 200,865 2,116 50 42 3,928 3,188 0.80 8.05 45 First State Bank Waynesboro 791,522 8,521 175 49 9,326 9,238 1.04 8.04 46 First Bank McComb 557,378 5,651 145 39 6,199 5,685 0.77 8.03 47 Bank of Holly Springs Holly Springs 244,217 3,509 63 56 3,744 3,477 1.16 7.90 48 Magnolia State Bank Bay Springs 336,434 3,357 86 39 3,182 1,661 0.74 7.58 49 Bank of Benoit Benoit 17,417 140 4 35 (19) 56 0.80 7.21 50 Bank of Anguilla Anguilla 150,663 987 30 33 683 561 0.68 7.11
Source: S&P Global Market Intelligence 115 Mississippi – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Guaranty Bank and Trust Company Belzoni 896,432 27 10 38 15 2 18.4 2 Renasant Bank Tupelo 13,020,626 22 16 20 7 39 20.8 3 Citizens National Bank of Meridian Meridian 1,432,447 50 11 19 23 8 22.2 4 Commerce Bank Corinth 124,765 19 32 24 28 9 22.4 5 First National Bank of Picayune Picayune 201,900 4 23 22 63 3 23.0 6 Bank of Franklin Meadville 146,069 11 14 57 21 15 23.6 7 First Security Bank Batesville 572,413 13 8 49 39 10 23.8 7 Farmers and Merchants Bank Baldwyn 342,200 6 6 58 38 11 23.8 9 BancorpSouth Bank Tupelo 19,862,964 39 7 42 8 26 24.4 10 BankFirst Financial Services Macon 1,273,339 47 20 27 13 16 24.6 10 Merchants and Planters Bank Raymond 93,811 28 2 67 2 24 24.6 12 Hancock Whitney Bank Gulfport 30,529,429 56 18 11 22 17 24.8 12 Sycamore Bank Senatobia 227,429 23 16 53 12 20 24.8 14 Bank of Kilmichael Kilmichael 175,510 18 42 31 34 5 26.0 15 Trustmark National Bank Jackson 13,582,728 51 9 36 9 27 26.4 16 Peoples Bank Mendenhall 310,997 3 1 70 68 1 28.6 17 First Southern Bank Columbia 197,254 12 28 56 10 38 28.8 18 First Choice Bank Pontotoc 310,494 38 34 26 11 36 29.0 19 Peoples Bank Ripley 425,238 67 34 8 14 23 29.2 20 BNA Bank New Albany 524,965 60 51 3 29 6 29.8 20 Planters Bank & Trust Company Indianola 1,090,964 52 30 14 41 12 29.8 22 First, A National Banking Association Hattiesburg 3,472,906 31 51 9 32 27 30.0 23 PriorityOne Bank Magee 687,782 24 3 61 43 22 30.6 23 BankPlus Belzoni 2,965,559 35 4 62 17 35 30.6 23 Citizens Bank Columbia 425,412 24 26 46 50 7 30.6 26 Bank of Commerce Greenwood 545,573 64 58 2 31 4 31.8 27 Century Bank Lucedale 330,680 17 15 52 56 21 32.2 27 Bank of Morton Morton 68,797 2 27 60 58 14 32.2 27 State Bank & Trust Company Ridgeland 1,151,033 42 56 18 5 40 32.2 27 Citizens Bank Byhalia 75,467 9 32 51 26 43 32.2 31 Cleveland State Bank Cleveland 229,592 37 55 32 20 18 32.4 32 Great Southern Bank Meridian 301,036 16 24 63 36 25 32.8 33 Community Bank of Mississippi Forest 3,292,903 48 45 21 35 19 33.6 33 RiverHills Bank Vicksburg 338,502 56 60 6 33 13 33.6 35 Pike National Bank McComb 256,465 14 11 59 53 32 33.8 36 FNB Oxford Bank Oxford 365,351 63 64 7 6 30 34.0 36 First Commercial Bank Jackson 392,531 44 68 13 3 42 34.0 36 Copiah Bank Hazlehurst 233,190 26 38 47 25 34 34.0 39 Richton Bank & Trust Company Richton 57,079 30 5 64 16 64 35.8 40 Mechanics Bank Water Valley 233,700 40 24 44 40 33 36.2 41 Bank of Brookhaven Brookhaven 165,957 54 46 30 1 53 36.8 42 First National Bank of Clarksdale Clarksdale 353,106 49 62 10 37 29 37.4 43 Oxford University Bank Oxford 163,655 44 60 17 18 51 38.0 44 Bank of Forest Forest 203,314 32 31 35 52 41 38.2 45 Bank of Yazoo City Yazoo City 240,848 62 48 16 30 37 38.6 46 United Mississippi Bank Natchez 356,406 15 11 68 49 56 39.8 47 First Bank McComb 557,378 52 41 37 24 46 40.0 48 Magnolia State Bank Bay Springs 336,434 36 59 41 27 48 42.2 49 First Federal Savings and Loan Association Aberdeen 43,270 70 70 1 4 67 42.4 49 Bank of Okolona Okolona 200,865 20 49 33 66 44 42.4 49 Bank of Anguilla Anguilla 150,663 10 38 55 59 50 42.4 Source: S&P Global Market Intelligence 116 Rank The Banks Missouri – 2019 Q3 Missouri – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1st Advantage Bank Saint Peters Banc Investors, LLC 1/31/2005 1 18 No 109,442 0.65 6.47 1st Cameron State Bank Cameron C & M Bancshares, Inc. 4/1/1965 2 14 No 57,331 0.59 6.36 Academy Bank, N.A. Kansas City Dickinson Financial Corporation II 6/15/1966 82 589 No 1,619,130 1.16 7.67 Adrian Bank Adrian Adrian Bancshares, Inc. 10/18/1932 3 31 Yes 143,000 1.53 13.60 Alliance Bank Cape Girardeau Alliance Bancshares, Inc. 10/23/1997 4 67 No 272,974 0.82 6.31 Alliant Bank Madison NEMO Bancshares, Inc. 2/20/1888 5 50 Yes 161,800 0.89 8.78 Alton Bank Alton Alton Bancshares, Inc. 4/17/1924 2 18 Yes 64,816 1.36 9.38 American Bank of Missouri Wellsville Evergreen Bancshares, Inc. 3/15/1880 8 77 No 394,871 0.80 7.65 America's Community Bank Blue Springs Urich Bancorp, Inc. 2/27/1888 1 7 Yes 31,206 0.38 3.12 Bank 21 Carrollton Knott Holding Company, Inc. 1/1/1903 5 40 Yes 147,789 0.80 10.47 Bank Northwest Hamilton Caldwell County Bancshares, Inc. 7/2/1947 5 33 Yes 159,941 1.79 19.17 Bank of Advance Advance Miles Bancshares, Inc. 1/30/1902 6 81 Yes 328,829 1.73 12.83 Bank of Billings Billings First Miami Bancshares, Inc. 3/14/1889 2 22 No 58,521 1.03 7.10 Bank of Bolivar Bolivar Bolivar Bancshares, Inc. 4/16/1997 6 79 No 305,620 0.74 8.75 Bank of Brookfield-Purdin, National Association Brookfield Capital Bancshares, Inc. 12/14/1894 4 20 Yes 88,351 0.72 6.00 Bank of Crocker Waynesville 7/5/1911 4 39 Yes 124,909 0.29 2.54 Bank of Franklin County Washington Franklin Bancorp, Inc. 8/28/2000 5 67 No 273,129 0.76 8.42 Bank of Grain Valley Kansas City Grain Valley Bancshares, Inc. 5/11/1905 2 17 Yes 93,831 1.33 6.06 Bank of Grandin Grandin 1/13/1913 5 36 Yes 168,881 0.97 6.02 Bank of Houston Houston Summit Bancshares, Inc. 6/4/1889 1 12 No 31,597 (0.74) (9.82) Bank of Iberia Iberia Milco Bancorporation, Inc. 10/1/1899 2 19 No 55,641 0.44 4.95 Bank of Kirksville Kirksville Rockhold BanCorp, Inc. 1/17/1914 8 70 Yes 430,742 1.01 8.96 Bank of Louisiana Louisiana Lincoln County Bancorp, Inc. 1/17/1887 2 16 Yes 53,796 (0.21) (2.00) Bank of Missouri Perryville Reliable Community Bancshares, Inc. 11/7/1891 33 448 No 1,800,525 1.40 11.09 Bank of Monticello Monticello Monticello Bancshares, Inc. 2/27/1928 3 26 Yes 111,938 1.36 11.54 Bank of New Cambria New Cambria 3/25/1933 2 9 No 30,815 0.80 6.05 Bank of New Madrid New Madrid Dixie Bancshares Corp. 8/15/1934 3 26 Yes 98,635 1.27 10.51 Bank of Odessa Odessa Country Agencies & Investments, Inc. 1/1/1889 2 37 No 268,319 1.23 6.31 Bank of Old Monroe Old Monroe Cuivre River Bancshares, Inc. 9/19/1906 5 71 Yes 391,825 1.67 11.16 Bank of Orrick Orrick 7/2/1902 2 9 No 33,842 0.29 2.79 Bank of Salem Salem Salem Bancshares, Inc. 10/10/1883 2 26 No 102,807 0.86 9.43 Bank of St. Elizabeth Saint Elizabeth St. Elizabeth Bancshares, Inc. 1/2/1914 4 35 Yes 152,647 1.44 11.98 Bank of Sullivan Sullivan Mid-Missouri Holding Company, Inc. 4/1/1895 8 120 No 527,047 1.19 12.53 Bank of Versailles Versailles BOV Holding Company 11/22/1882 5 42 No 262,805 1.00 7.69 Bank of Washington Washington Diamond Bancorp, Inc. 11/2/1877 6 108 Yes 721,254 1.24 9.84 Bank of Weston Weston Wilson Bancshares, Inc. 3/21/1893 3 36 Yes 147,742 1.23 14.96 Bank Star Pacific BancStar, Inc. 1/15/1975 2 32 No 135,278 0.91 7.93 BankLiberty Kansas City Central Bancompany, Inc. 12/5/1955 13 0 No 581,543 1.58 11.83 Belgrade State Bank Belgrade Turner Bancshares, Inc. 6/6/1906 6 89 No 275,056 1.05 11.35 Bloomsdale Bank Bloomsdale Peoples Community Bancorporation, Inc. 5/1/1914 5 55 Yes 228,012 1.73 18.69 Blue Ridge Bank and Trust Co. Independence Blue Ridge Bancshares, Inc. 9/8/1958 10 135 No 562,460 1.08 11.01 Branson Bank Branson Branson Bancshares, Inc. 3/22/2000 4 68 No 235,736 0.97 9.74 BTC Bank Bethany Bethany Bankshares, Inc. 9/19/1919 13 123 No 554,810 1.26 8.95 Callaway Bank Fulton Callaway Security Banks, Inc. 1/1/1857 8 58 No 387,651 0.62 6.37 Canton State Bank Canton Canton Bancshares, Inc. 9/27/1935 1 11 No 35,431 0.43 4.19 Carroll County Trust Company of Carrollton, Missouri Carrollton Carroll County Bancshares, Inc. 1/1/1919 2 27 Yes 156,526 0.32 3.09 Cass Commercial Bank Saint Louis Cass Information Systems, Inc. 5/15/1906 4 54 No 862,142 1.93 12.26 CBC Bank Bowling Green Clifford Bancshares, Inc. 1/1/1871 4 11 Yes 37,282 0.41 4.78 Central Bank of Audrain County Mexico Central Bancompany, Inc. 1/3/1883 3 22 No 178,933 1.39 17.29 Central Bank of Boone County Columbia Central Bancompany, Inc. 1/1/1857 16 299 No 2,169,066 1.61 18.23
Source: S&P Global Market Intelligence 118 Missouri – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Central Bank of Branson Branson Central Bancompany, Inc. 7/29/1950 6 68 No 336,290 1.48 14.66 Central Bank of Kansas City Kansas City Central Bancshares of Kansas City, Inc. 8/10/1950 2 62 Yes 216,164 4.18 24.41 Central Bank of Lake of the Ozarks Osage Beach Central Bancompany, Inc. 9/27/1906 9 143 No 820,462 1.79 19.89 Central Bank of Moberly Moberly Central Bancompany, Inc. 5/16/1935 4 26 No 184,939 1.16 13.25 Central Bank of Sedalia Sedalia Central Bancompany, Inc. 1/1/1883 7 69 No 424,144 1.90 20.26 Central Bank of St. Louis Clayton Central Bancompany, Inc. 10/30/1902 16 238 No 1,904,942 1.57 13.22 Central Bank of the Midwest Lee's Summit Central Bancompany, Inc. 5/20/1985 47 325 No 1,770,846 1.40 9.88 Central Bank of the Ozarks Springfield Central Bancompany, Inc. 7/29/1956 23 256 No 1,411,713 1.32 13.05 Central Bank of Warrensburg Warrensburg Central Bancompany, Inc. 7/16/1984 6 48 No 252,923 1.28 8.90 Central Federal Savings and Loan Association of Rolla Rolla Central Federal Bancshares, Inc. 1/1/1952 1 16 No 69,273 0.20 0.67 Central Trust Bank Jefferson City Central Bancompany, Inc. 1/9/1902 16 675 No 2,645,286 1.31 15.83 Century Bank of the Ozarks Gainesville Century Bancshares, Inc. 7/24/1894 4 52 No 175,951 2.11 21.52 Chillicothe State Bank Chillicothe C.S. Bancshares, Inc. 10/19/1937 2 26 Yes 119,684 0.91 10.40 Citizens Bank Butler Amsterdam Bancshares, Inc. 1/19/1926 11 45 Yes 151,629 1.58 18.90 Citizens Bank New Haven Citizens Financial Group, Inc. 1/1/1934 4 57 No 229,913 0.73 6.26 Citizens Bank & Trust Rock Port 1/1/1870 3 23 Yes 99,127 0.83 6.83 Citizens Bank and Trust Company Kansas City Citizens Bancshares Co. 1/1/1889 21 204 No 907,680 0.89 7.87 Citizens Bank of Charleston Charleston Citizens Bancorp, Inc. 1/20/1958 2 21 No 139,371 1.68 9.52 Citizens Bank of Edina Edina T & C Bancorp, Inc. 9/10/1914 1 14 No 73,095 2.11 17.46 Citizens Bank of Eldon Eldon Citizens Bancshares of Eldon, Missouri, Inc. 1/20/1905 4 38 No 155,099 1.31 9.64 Citizens Bank of Newburg Rolla Newburg Insurance Agency, Inc. 2/28/1944 3 40 No 148,659 0.32 2.77 Citizens Bank of Rogersville Rogersville Wildcat Bancshares, Inc. 1/1/1908 2 24 Yes 92,327 0.88 8.10 Citizens Community Bank Pilot Grove Bancorp II, Inc. 8/26/1913 3 21 No 104,301 0.83 6.76 Citizens National Bank of Greater St. Louis Maplewood Cardinal Bancorp, Inc. 1/1/1915 6 90 Yes 505,309 0.55 5.24 Citizens-Farmers Bank of Cole Camp Cole Camp 3/29/1929 3 28 No 134,895 0.96 6.07 Clay County Savings Bank Liberty CCSB Financial Corp. 3/28/1922 3 35 No 111,467 0.71 7.09 Commerce Bank Kansas City Commerce Bancshares, Inc. 1/1/1865 166 4,733 No 25,781,944 1.67 15.40 Commercial Bank Saint Louis Commercial Bancshares, Inc. 12/21/1988 4 40 No 220,180 0.42 5.42 Commercial Bank of Oak Grove Oak Grove Country Agencies & Investments, Inc. 1/1/1907 1 16 No 77,701 0.56 3.59 Commercial Trust Company of Fayette Fayette Harris Taubman Financial Corporation 1/1/1903 2 28 Yes 130,656 1.00 9.36 Community Bank and Trust Neosho Community Bancshares, Inc. 6/25/1884 14 124 Yes 311,152 0.83 9.06 Community Bank of El Dorado Springs El Dorado Springs 10/1/1981 1 16 Yes 106,224 1.29 7.81 Community Bank of Marshall Marshall Marshall Community Bancshares, Inc. 5/1/1978 7 33 No 153,038 1.08 9.38 Community Bank of Memphis Memphis Memphis Bancshares, Inc. 3/20/1999 1 11 No 45,221 1.05 8.02 Community Bank of Missouri Richmond Missouri Bancorp, Inc. 5/7/2001 2 19 No 53,067 1.23 8.92 Community Bank of Pleasant Hill Pleasant Hill LoLyn Financial Corporation 12/4/2006 1 18 No 82,337 0.74 7.46 Community Bank of Raymore Raymore LoLyn Financial Corporation 5/15/1979 3 44 Yes 271,395 0.86 10.33 Community First Bank Butler Community First Bancshares, Inc. 1/1/1932 3 38 Yes 172,943 1.42 15.50 Community First Banking Company West Plains Community Bancshares of West Plains, Inc. 11/13/1997 4 40 Yes 190,591 1.11 9.41 Community National Bank Monett 9/5/2002 2 28 Yes 135,984 1.40 14.69 Community Point Bank Russellville Russellville Bancorp, Inc. 7/10/1934 3 23 Yes 139,158 0.77 8.35 Community State Bank Shelbina Community State Bancshares, Inc 11/28/1977 2 15 No 77,959 1.31 14.71 Community State Bank of Missouri Bowling Green 1/26/1887 2 42 Yes 229,258 1.04 7.98 Concordia Bank Concordia Northern Missouri Bancshares, Inc. 7/2/1932 4 20 No 73,679 0.89 8.73 Connections Bank Kirksville Connections Bancshares, Inc. 10/24/2005 4 21 No 88,657 0.99 8.37 Corder Bank Corder 9/10/1891 1 5 No 19,631 0.92 8.22 Cornerstone Bank South West City 4/1/1898 5 55 Yes 140,626 1.05 7.55 Country Club Bank Kansas City CCB Financial Corporation 10/5/1953 24 388 Yes 1,396,594 1.16 11.10 County Bank Brunswick Chariton County Bancshares, Inc. 4/2/1877 3 21 Yes 92,486 0.90 9.87 Enterprise Bank & Trust Clayton Enterprise Financial Services Corp 5/9/1988 36 812 No 7,314,544 1.48 11.18
Source: S&P Global Market Intelligence 119 Missouri – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Exchange Bank of Missouri Fayette Northern Missouri Bancshares, Inc. 11/19/1927 5 46 No 213,940 1.35 11.78 Exchange Bank of Northeast Missouri Kahoka Lincoln County Bancorp, Inc. 9/8/1903 6 50 Yes 153,564 0.59 5.14 F & C Bank Holden F&C Bancorp, Inc. 3/24/1881 3 50 Yes 229,571 1.52 14.57 F&M Bank and Trust Company Hannibal Farmers & Merchants Bancorp, Inc. 1/1/1886 3 35 No 132,099 0.83 7.96 Farmers and Merchants Bank of St. Clair Saint Clair Saint Clair Bancshares, Inc. 5/2/1913 5 64 No 203,742 1.07 8.23 Farmers Bank of Green City Green City Green City Bancshares Inc. 11/23/1943 2 17 No 55,383 0.54 5.88 Farmers Bank of Lincoln Lincoln Lincoln Bancshares, Inc. 1/11/1890 2 24 Yes 126,043 1.10 10.00 Farmers Bank of Lohman Jefferson City 2/23/1909 2 11 No 67,808 0.71 4.61 Farmers Bank of Northern Missouri Unionville Northern Missouri Bancshares, Inc. 6/13/1900 8 83 No 369,569 1.34 10.21 Farmers State Bank Cameron FSC Bancshares, Inc. 1/1/1878 9 71 No 242,848 0.84 8.21 Farmers State Bank, S/B Bolivar Stark Bancshares, Inc. 11/24/1910 5 31 No 65,362 0.40 2.86 First Bank Creve Coeur FB Corporation 7/30/1906 94 1,087 No 6,111,516 1.09 9.34 First Bank of the Lake Osage Beach 5/15/1987 1 20 Yes 110,974 1.07 11.36 First Community Bank of the Ozarks Branson Alton Bancshares, Inc. 9/1/1993 4 31 Yes 105,362 0.71 6.32 First Community National Bank Cuba Steelville Community Banc-Shares, Inc. 3/16/1906 6 70 Yes 130,305 0.18 2.03 First Federal Bank of Kansas City Kansas City 7/1/1934 12 159 No 819,253 (0.42) (3.27) First Independent Bank Aurora First Independent Bancshares, Inc. 1/1/1906 1 26 No 94,389 0.91 7.71 First Midwest Bank of Dexter Dexter Midwest Bancorporation, Inc. 1/15/1964 6 80 No 330,554 1.30 12.00 First Midwest Bank of Poplar Bluff Poplar Bluff Poplar Bluff Banc Company 8/29/1964 8 85 Yes 440,647 1.25 12.79 First Midwest Bank of the Ozarks Piedmont Midwest Bancorporation, Inc. 11/22/1902 4 30 No 124,726 1.13 10.36 First Missouri Bank Brookfield First Missouri Bancshares, Inc. 5/1/1934 6 57 Yes 286,762 1.13 11.54 First Missouri Bank of SEMO Kennett First Malden Bancshares, Inc. 1/18/1965 5 51 Yes 218,495 1.21 13.07 First Missouri State Bank Poplar Bluff FMS Bancorp, Inc. 7/3/1912 2 31 Yes 176,418 1.02 9.23 First Missouri State Bank of Cape County Cape Girardeau FMS Bancorp, Inc. 6/30/2006 4 35 Yes 169,259 0.71 8.50 First National Bank of Nevada Nevada 1889 Bancshares, Inc. 1/12/1889 1 19 No 95,427 0.67 4.48 First Security Bank Union Star First American Bancshares, Inc. 6/3/1890 2 8 No 32,506 1.04 13.30 First State Bank and Trust Company, Inc. Caruthersville First State Bancorp, Inc. 3/29/1934 6 84 Yes 383,569 1.31 10.42 First State Bank of Purdy Monett Purdy Bancshares, Inc. 6/19/1944 5 51 Yes 152,829 0.86 10.46 First State Bank of St. Charles, Missouri Saint Charles First State Bancshares, Inc. 5/10/1867 5 203 No 391,484 1.65 12.70 First State Community Bank Farmington First State Bancshares, Inc. 5/11/1954 52 664 No 2,566,041 1.56 13.38 FMB Bank Wright City Farmers & Merchants Bancshares, Inc. 12/10/1910 1 11 No 37,645 0.44 4.76 Focus Bank Charleston Security State Bancshares, Inc. 1/1/1930 12 169 Yes 764,497 0.95 8.72 FortuneBank Arnold Fortune Financial Corporation 12/1/2005 2 67 No 187,405 0.56 6.12 Freedom Bank of Southern Missouri Cassville Freedom Bancshares of Southern Missouri, Inc. 11/22/1999 5 55 Yes 292,212 1.02 10.39 Goppert Financial Bank Lathrop Goppert Financial Corp. 9/28/1879 6 43 No 176,370 0.73 7.18 Great Southern Bank Springfield Great Southern Bancorp, Inc. 1/1/1923 103 1,006 No 4,976,158 1.66 13.09 Guaranty Bank Springfield Guaranty Federal Bancshares, Inc. 8/27/1913 16 228 No 1,014,818 1.21 11.01 Hamilton Bank Hamilton Prism Group, Inc. 6/11/1938 3 17 Yes 80,266 1.18 12.00 Hawthorn Bank Jefferson City Hawthorn Bancshares, Inc. 4/20/1932 21 277 No 1,441,492 1.20 11.59 Heritage Bank of the Ozarks Lebanon Cornerstone Bancshares, Inc. 9/22/2003 2 42 No 157,856 1.19 14.15 Heritage Community Bank Chamois Heritage Management Company, Inc. 9/23/1935 4 41 Yes 148,628 0.74 7.93 HNB National Bank Hannibal 5/1/1888 14 133 Yes 505,381 1.97 14.45 Home Exchange Bank Jamesport Country Bancshares, Inc. 5/29/1925 3 20 Yes 173,332 1.04 9.74 Home Savings and Loan Association of Carroll County, F.A. Norborne 1/1/1919 2 12 No 85,633 0.24 1.18 HOMEBANK Palmyra Byron B. Webb, Inc. 6/1/1934 7 108 Yes 398,548 0.85 8.86 HomePride Bank Mansfield Banc 60, Inc. 3/3/1892 5 40 Yes 97,610 (0.41) (4.87) Independent Farmers Bank Maysville Farmers Bancshares, Inc. 1/1/1894 3 31 No 123,277 1.32 13.46 Investors Community Bank Chillicothe IFB Holdings, Inc. 4/3/1934 1 16 No 70,455 1.01 7.66 Jefferson Bank and Trust Company Saint Louis Delta Bancshares Company 7/20/1892 5 76 No 619,358 1.06 9.15 Jefferson Bank of Missouri Jefferson City Central Bancompany, Inc. 11/2/1967 5 100 No 649,300 1.96 20.70
Source: S&P Global Market Intelligence 120 Missouri – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Jonesburg State Bank Jonesburg Montgomery Bancshares, Inc. 2/21/1921 3 25 Yes 99,372 1.19 15.04 Kahoka State Bank Kahoka 1/2/1968 3 15 No 50,211 0.79 7.37 Kearney Trust Company Kearney Trustco Bankshares, Inc. 6/10/1882 2 37 Yes 197,981 1.04 9.71 Kennett Trust Bank Kennett Kennett Bancshares, Inc. 9/7/1963 2 26 No 107,277 0.55 5.18 La Monte Community Bank La Monte Country Agencies & Investments, Inc. 5/18/1946 1 7 No 32,076 0.53 4.95 Lamar Bank and Trust Company Lamar Lamar Trust Bancshares, Inc. 3/25/1925 1 35 Yes 162,757 1.30 12.26 Landmark Bank Columbia Landrum Company 7/19/1865 39 626 No 3,275,999 1.15 13.40 Lead Bank Garden City Lead Financial Group, Inc. 1/12/1928 3 78 Yes 356,749 0.83 9.22 Legacy Bank & Trust Company Rogersville Ozarks Heritage Financial Group, Inc 10/17/1907 7 74 No 284,856 1.57 14.36 Legends Bank Linn Linn Holding Company 3/17/1913 10 83 No 385,113 1.58 11.52 Lindell Bank & Trust Company Saint Louis First Illinois Bancorp, Inc. 1/1/1923 12 111 Yes 515,231 1.40 7.35 M1 Bank Macks Creek M1 Bancshares, Inc. 5/15/1911 3 20 No 283,371 0.95 9.75 Macon-Atlanta State Bank Macon Macon-Atlanta Bancorp, Inc. 1/1/1893 2 62 Yes 278,067 0.89 8.48 Maries County Bank Vienna Maries County Bancorp., Inc. 9/1/1900 11 139 No 463,189 1.08 7.00 Meramec Valley Bank Ellisville Valley Bancshares, Inc. 1/1/1918 2 24 Yes 120,888 0.40 4.81 Mercantile Bank of Louisiana, Missouri Louisiana Northeast Missouri Bancshares, Inc. 1/29/1880 1 24 Yes 110,074 1.15 5.31 Merchants and Farmers Bank of Salisbury Salisbury Widmer Bancshares, Inc. 9/7/1903 4 30 Yes 94,216 0.51 5.58 Metz Banking Company Nevada 9/14/1906 2 14 Yes 75,368 0.88 7.13 Mid America Bank Jefferson City Friendship Bancshares, Inc. 4/12/1914 5 71 Yes 505,858 1.24 11.67 Mid-Missouri Bank Springfield Mid-Missouri Bancshares, Inc. 6/20/1872 14 200 No 660,722 1.18 12.87 Midwest BankCentre Saint Louis Stupp Bros., Inc. 3/1/1906 18 262 No 2,007,385 0.65 6.47 Midwest Independent Bank Jefferson City Midwest Independent Bancshares, Inc. 1/7/1985 1 37 No 274,550 1.00 7.19 Midwest Regional Bank Festus Midwest Regional Bancorp, Inc. 6/13/1894 7 132 No 644,319 0.65 6.80 Missouri Bank Warrenton Warren County Bancshares, Inc. 1/1/1934 4 54 Yes 214,064 1.16 9.49 Missouri Bank II Sedalia Warren County Bancshares, Inc. 1/1/1891 4 24 Yes 101,766 0.94 8.77 Montgomery Bank Sikeston Montgomery Bancorporation, Inc. 1/1/1934 10 192 Yes 929,242 0.77 8.92 Montrose Savings Bank Montrose Montrose Savings Bancshares, Inc. 6/5/1895 1 9 Yes 42,251 1.28 8.63 MRV Banks Sainte Genevieve MRV Financial Corp. 7/16/2007 5 46 No 385,587 1.48 16.41 NBKC Bank Kansas City Ameri-National Corporation 3/29/1999 4 362 Yes 814,264 3.79 30.11 Neighbors Bank Clarence Columbia Bancshares, Inc. 4/7/1945 1 39 Yes 31,072 (0.41) (2.69) New Era Bank Fredericktown New Era Bancorporation, Inc. 7/16/1934 8 76 Yes 350,612 1.55 14.14 New Frontier Bank Saint Charles Lincoln County Bancorp, Inc. 1/1/1999 2 20 Yes 97,483 0.70 7.06 Nodaway Valley Bank Maryville Nodaway Valley Bancshares, Inc. 12/12/1868 8 159 Yes 911,574 1.58 11.66 North American Savings Bank, F.S.B. Kansas City NASB Financial, Inc. 1/1/1927 11 488 No 2,592,378 1.89 17.62 Northeast Missouri State Bank Kirksville Schuyler County Bancshares, Inc. 12/20/1933 2 16 Yes 110,290 1.13 7.55 OakStar Bank Springfield OakStar Bancshares, Inc. 10/24/2005 14 261 No 1,013,202 0.86 7.73 O'Bannon Banking Company Buffalo Buffalo Bancshares, Inc. 11/20/1905 5 55 No 214,304 1.07 12.19 Old Missouri Bank Springfield JamesMark Bancshares, Inc. 7/26/1999 7 89 No 521,757 0.86 9.09 Ozark Bank Ozark 9/25/1906 4 59 Yes 239,762 0.79 7.66 Ozarks Federal Savings and Loan Association Farmington 1/1/1930 5 57 No 251,336 0.50 3.63 Paramount Bank Hazelwood Paramount Financial Group, LLC 12/30/2004 1 134 No 126,705 0.08 0.52 Parkside Financial Bank & Trust Clayton Parkside Financial, Inc. 4/23/2008 1 59 No 526,911 1.58 14.94 Peoples Bank Cuba Peoples Bancorporation, Inc. 6/22/1901 5 53 Yes 206,518 1.40 13.45 Peoples Bank & Trust Company Troy Lincoln County Bancorp, Inc. 3/10/1924 8 120 Yes 455,557 1.04 10.14 Peoples Bank of Altenburg Altenburg Lincoln County Bancorp, Inc. 1/1/1910 2 15 Yes 63,382 1.05 10.55 Peoples Bank of Moniteau County Jamestown Jamestown Bancshares, Inc. 1/13/1941 2 13 No 57,081 0.54 6.13 People's Bank of Seneca Seneca PBS Bancshares, Inc. 3/15/1996 4 35 No 205,106 1.37 14.52 Peoples Bank of Wyaconda Kahoka Clark County Bancshares, Inc. 12/17/1914 3 28 No 96,253 0.93 9.05 Peoples Community Bank Greenville Greenville Bancshares, Inc. 1/3/1977 15 137 Yes 483,056 2.21 12.99 Peoples Savings Bank of Rhineland Rhineland Rhineland Bancshares, Inc. 8/12/1935 7 65 No 271,253 0.87 10.24
Source: S&P Global Market Intelligence 121 Missouri – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Phelps County Bank Rolla Phelps County Bancshares, Inc. 8/1/1963 4 93 Yes 375,418 1.28 17.53 Platte Valley Bank of Missouri Platte City Platte County Bancshares, Inc. 10/20/1933 9 178 Yes 597,196 1.46 14.90 Pony Express Bank Liberty Page Bancshares, Inc. 10/2/1890 2 26 Yes 179,059 1.80 14.47 Pony Express Community Bank Saint Joseph Pony Express Bancorp, Inc. 12/23/1975 4 18 No 74,213 1.42 13.30 Preferred Bank Rothville BOR Bancorp 1/8/1904 5 28 Yes 107,219 0.84 11.19 Progressive Ozark Bank Salem Ozark Bancorp, Inc. 6/2/1965 4 42 Yes 112,499 1.29 11.41 Providence Bank Columbia LINCO Bancshares, Inc. 7/8/1888 14 202 Yes 1,066,206 0.61 4.03 Putnam County State Bank Unionville PFBS Holdings, Inc. 7/5/1979 2 22 No 220,086 1.63 12.29 Quarry City Savings and Loan Association Warrensburg 1/1/1890 1 16 No 57,351 0.21 1.31 Regional Missouri Bank Marceline RMB Bancshares, Inc. 5/13/1908 8 59 Yes 242,543 1.43 13.92 Rockwood Bank Eureka Rockwood Bancshares, Inc. 2/5/1990 4 53 No 250,327 1.72 11.81 Royal Banks of Missouri Saint Louis Royal Bancshares, Inc. 3/1/1964 11 84 No 667,979 1.02 6.58 Saints Avenue Bank New London Saints Avenue Bancshares, Inc. 7/15/1944 4 27 No 93,490 0.39 4.72 Security Bank of Pulaski County Waynesville Security Bancshares of Pulaski County, Inc. 1/1/1936 3 32 No 108,059 0.73 7.92 Security Bank of Southwest Missouri Cassville 12/14/1985 3 30 Yes 78,925 1.70 13.46 Security Bank of the Ozarks Eminence Eminence Bankshares, Inc. 6/29/1959 5 45 Yes 93,785 0.80 8.48 Senath State Bank Senath Senath Bancshares, Inc. 1/1/1935 3 18 Yes 75,231 1.60 10.65 Seymour Bank Seymour Cottonrudy Investment Company 11/25/1939 3 47 No 148,491 0.79 6.08 Sherwood Community Bank Creighton 6/6/1902 4 19 Yes 48,796 0.44 4.51 Silex Banking Company Silex Silex Bancshares, Inc. 3/24/1934 1 10 No 70,675 0.99 6.10 Southern Bank Poplar Bluff Southern Missouri Bancorp, Inc. 1/1/1887 49 457 No 2,238,027 1.45 13.74 Southwest Missouri Bank Carthage Southwest Missouri Bancorporation, Inc. 6/11/1979 11 200 No 748,112 0.90 9.84 Springfield First Community Bank Springfield QCR Holdings, Inc. 10/24/2008 1 55 No 694,959 1.38 7.76 St. Clair County State Bank Osceola Margaret Parker Platter Charitable Trust 5/1/1896 4 32 No 142,761 1.59 11.61 St. Johns Bank and Trust Company Saint Louis Unity Bancshares, L.L.C. 10/2/1926 5 84 No 293,159 0.75 7.54 St. Louis Bank Town And Country St. Louis Bancshares, Inc. 6/6/2005 1 56 No 437,601 0.24 2.67 State Bank Richmond C.S. Bancshares, Inc. 7/1/1940 1 9 Yes 33,215 1.01 11.59 State Bank of Missouri Concordia C.S. Bancshares, Inc. 7/28/1884 4 28 Yes 98,757 1.05 11.88 State Bank of Southwest Missouri Springfield State Bancshares, Inc. 9/16/1985 1 25 Yes 131,235 1.57 21.61 Sterling Bank Poplar Bluff Sterling Bancshares, Inc. 10/19/2004 11 133 No 1,252,337 1.25 10.54 Stifel Bank Clayton Stifel Financial Corp. 5/16/2002 1 80 No 2,103,817 1.40 20.11 Systematic Savings Bank Springfield 1/1/1923 1 9 No 36,829 (0.52) (3.96) Table Rock Community Bank Kimberling City Table Rock Bancshares Corporation 8/28/2006 2 28 No 90,057 1.16 12.78 Tipton Latham Bank, National Association Tipton Latham Bancshares, Inc. 12/29/1906 2 21 Yes 139,410 0.81 7.76 Town & Country Bank Salem Town and Country Bancshares, Inc. 1/1/1894 10 154 Yes 520,713 1.19 9.59 TPNB Bank Paris Paris Bancshares, Inc. 10/1/1865 1 14 No 80,431 0.92 6.21 Triad Bank Frontenac Triad Bancorp, Inc. 10/24/2005 1 39 No 384,235 1.07 11.56 Tri-County Trust Company Glasgow Bancshares of Glasgow, Inc. 10/20/1921 1 12 Yes 58,561 0.60 4.97 UMB Bank, National Association Kansas City UMB Financial Corporation 4/24/1913 95 2,864 No 23,964,733 0.91 10.04 UNICO Bank Mineral Point Washco Bancshares, Inc. 1/1/1901 15 126 Yes 337,712 0.29 3.22 United Bank of Union Union Cardinal Bancorp II, Inc. 3/22/1934 3 74 Yes 372,651 1.09 10.56 United Security Bank Auxvasse Mid-Mo Bancshares, Inc. 1/25/1930 3 12 Yes 61,312 0.89 6.63 United State Bank Lewistown River Valley Bancshares, Incorporated 9/8/1928 5 45 Yes 183,722 1.13 12.15 Wells Bank Platte City Wells Bancshares, Inc. 1/1/1887 5 46 Yes 229,035 1.64 16.76 West Plains Bank and Trust Company West Plains West Plains Bancshares, Inc. 4/13/1883 6 82 Yes 386,810 1.28 10.71 West Plains Savings and Loan Association West Plains 1/1/1919 1 16 No 82,895 0.57 2.58 Wood & Huston Bank Marshall Wood & Huston Bancorporation, Inc. 2/12/1874 12 166 Yes 733,389 1.16 9.92
Source: S&P Global Market Intelligence 122 Missouri – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 Commerce Bank Kansas City 4,733 166 20,441,167 123,140 155,313 4,319 5,447 25,781,944 2 UMB Bank, National Association Kansas City 2,864 95 19,486,735 205,124 252,260 6,804 8,368 23,964,733 3 Enterprise Bank & Trust Clayton 812 36 5,643,427 156,762 203,182 6,950 9,008 7,314,544 4 First Bank Creve Coeur 1,087 94 5,398,116 57,427 65,016 4,966 5,622 6,111,516 5 Great Southern Bank Springfield 1,006 103 3,999,340 38,829 48,312 3,975 4,946 4,976,158 6 Landmark Bank Columbia 626 39 2,943,357 75,471 84,000 4,702 5,233 3,275,999 7 Central Trust Bank Jefferson City 675 16 1,780,960 111,310 165,330 2,638 3,919 2,645,286 8 North American Savings Bank, F.S.B. Kansas City 488 11 1,858,921 168,993 235,671 3,809 5,312 2,592,378 9 First State Community Bank Farmington 664 52 2,122,897 40,825 49,347 3,197 3,865 2,566,041 10 Southern Bank Poplar Bluff 457 49 1,879,066 38,348 45,674 4,112 4,897 2,238,027 11 Central Bank of Boone County Columbia 299 16 1,673,412 104,588 135,567 5,597 7,254 2,169,066 12 Stifel Bank Clayton 80 1 1,925,003 1,925,003 2,103,817 24,063 26,298 2,103,817 13 Midwest BankCentre Saint Louis 262 18 1,505,448 83,636 111,521 5,746 7,662 2,007,385 14 Central Bank of St. Louis Clayton 238 16 1,368,854 85,553 119,059 5,751 8,004 1,904,942 15 Bank of Missouri Perryville 448 33 1,459,861 44,238 54,561 3,259 4,019 1,800,525 16 Central Bank of the Midwest Lee's Summit 325 47 1,433,493 30,500 37,678 4,411 5,449 1,770,846 17 Academy Bank, N.A. Kansas City 589 82 1,312,104 16,001 19,745 2,228 2,749 1,619,130 18 Hawthorn Bank Jefferson City 277 21 1,139,149 54,245 68,642 4,112 5,204 1,441,492 19 Central Bank of the Ozarks Springfield 256 23 1,202,121 52,266 61,379 4,696 5,515 1,411,713 20 Country Club Bank Kansas City 388 24 1,171,863 48,828 58,191 3,020 3,599 1,396,594 21 Sterling Bank Poplar Bluff 133 11 1,073,203 97,564 113,849 8,069 9,416 1,252,337 22 Providence Bank Columbia 202 14 843,567 60,255 76,158 4,176 5,278 1,066,206 23 Guaranty Bank Springfield 228 16 842,672 52,667 63,426 3,696 4,451 1,014,818 24 OakStar Bank Springfield 261 14 890,803 63,629 72,372 3,413 3,882 1,013,202 25 Montgomery Bank Sikeston 192 10 750,954 75,095 92,924 3,911 4,840 929,242 26 Nodaway Valley Bank Maryville 159 8 741,743 92,718 113,947 4,665 5,733 911,574 27 Citizens Bank and Trust Company Kansas City 204 21 784,185 37,342 43,223 3,844 4,449 907,680 28 Cass Commercial Bank Saint Louis 54 4 714,486 178,622 215,536 13,231 15,966 862,142 29 Central Bank of Lake of the Ozarks Osage Beach 143 9 689,164 76,574 91,162 4,819 5,737 820,462 30 First Federal Bank of Kansas City Kansas City 159 12 561,943 46,829 68,271 3,534 5,153 819,253 31 NBKC Bank Kansas City 362 4 624,447 156,112 203,566 1,725 2,249 814,264 32 Focus Bank Charleston 169 12 592,633 49,386 63,708 3,507 4,524 764,497 33 Southwest Missouri Bank Carthage 200 11 638,140 58,013 68,010 3,191 3,741 748,112 34 Wood & Huston Bank Marshall 166 12 602,905 50,242 61,116 3,632 4,418 733,389 35 Bank of Washington Washington 108 6 577,793 96,299 120,209 5,350 6,678 721,254 36 Springfield First Community Bank Springfield 55 1 484,225 484,225 694,959 8,804 12,636 694,959 37 Royal Banks of Missouri Saint Louis 84 11 544,131 49,466 60,725 6,478 7,952 667,979 38 Mid-Missouri Bank Springfield 200 14 588,573 42,041 47,194 2,943 3,304 660,722 39 Jefferson Bank of Missouri Jefferson City 100 5 534,929 106,986 129,860 5,349 6,493 649,300 40 Midwest Regional Bank Festus 132 7 552,007 78,858 92,046 4,182 4,881 644,319 41 Jefferson Bank and Trust Company Saint Louis 76 5 482,446 96,489 123,872 6,348 8,149 619,358 42 Platte Valley Bank of Missouri Platte City 178 9 517,609 57,512 66,355 2,908 3,355 597,196 43 BankLiberty Kansas City 0 13 466,653 35,896 44,734 NA NA 581,543 44 Blue Ridge Bank and Trust Co. Independence 135 10 485,136 48,514 56,246 3,594 4,166 562,460 45 BTC Bank Bethany 123 13 439,262 33,789 42,678 3,571 4,511 554,810 46 Bank of Sullivan Sullivan 120 8 462,946 57,868 65,881 3,858 4,392 527,047 47 Parkside Financial Bank & Trust Clayton 59 1 412,910 412,910 526,911 6,998 8,931 526,911 48 Old Missouri Bank Springfield 89 7 422,987 60,427 74,537 4,753 5,862 521,757 49 Town & Country Bank Salem 154 10 440,690 44,069 52,071 2,862 3,381 520,713 50 Lindell Bank & Trust Company Saint Louis 111 12 407,607 33,967 42,936 3,672 4,642 515,231
Source: S&P Global Market Intelligence 123 Missouri – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Lead Bank Garden City 356,749 11.34 27.53 0.84 45.12 93.16 1.93 10.14 2 Citizens Bank Butler 151,629 6.84 17.54 0.79 31.90 91.85 6.05 5.93 3 Bank of Billings Billings 58,521 6.29 5.58 0.68 1.84 98.40 NA 5.70 4 Connections Bank Kirksville 88,657 7.68 63.53 1.85 80.41 95.25 5.42 5.62 5 Community Bank of Missouri Richmond 53,067 6.14 (2.08) 0.32 (0.75) 92.35 5.27 5.47 6 Cornerstone Bank South West City 140,626 7.24 (1.46) 1.27 3.21 90.06 2.63 5.16 7 Century Bank of the Ozarks Gainesville 175,951 5.90 2.85 0.48 0.45 98.36 1.82 5.09 8 Pony Express Bank Liberty 179,059 5.82 6.05 0.45 9.02 92.45 2.87 5.01 9 F & C Bank Holden 229,571 5.93 4.33 0.70 4.63 104.51 2.50 4.99 10 Security Bank of the Ozarks Eminence 93,785 6.57 (2.53) 0.55 (2.41) 76.98 2.85 4.96 11 Table Rock Community Bank Kimberling City 90,057 5.96 6.25 0.46 1.98 80.92 2.52 4.86 12 Central Bank of Kansas City Kansas City 216,164 5.53 30.86 0.27 33.35 95.62 NA 4.83 13 Rockwood Bank Eureka 250,327 5.45 4.16 0.33 (0.42) 93.04 1.27 4.78 14 Bank of Advance Advance 328,829 6.36 1.76 0.98 1.56 93.65 2.95 4.73 15 Peoples Community Bank Greenville 483,056 6.80 2.04 1.16 5.67 85.44 3.59 4.71 16 Citizens Bank of Edina Edina 73,095 5.61 6.18 0.62 0.61 102.98 1.90 4.66 17 Progressive Ozark Bank Salem 112,499 5.46 (1.43) 0.45 (0.77) 94.31 2.08 4.61 18 Legacy Bank & Trust Company Rogersville 284,856 5.88 17.40 1.11 14.18 102.74 2.96 4.59 18 Bank of St. Elizabeth Saint Elizabeth 152,647 5.80 7.83 0.94 14.14 95.90 NA 4.59 18 Belgrade State Bank Belgrade 275,056 6.05 1.98 0.97 5.47 87.20 2.65 4.59 21 BankLiberty Kansas City 581,543 5.02 (14.80) 0.29 (2.45) 83.02 4.10 4.57 22 Security Bank of Southwest Missouri Cassville 78,925 6.15 (2.93) 0.69 (4.28) 86.19 2.10 4.54 23 People's Bank of Seneca Seneca 205,106 5.98 10.11 1.22 7.01 93.33 2.11 4.52 24 HNB National Bank Hannibal 505,381 5.37 5.44 0.43 7.48 88.67 2.16 4.51 25 Bank Northwest Hamilton 159,941 6.14 0.76 0.64 4.73 80.39 2.45 4.49 26 New Frontier Bank Saint Charles 97,483 5.77 8.62 0.57 19.41 72.63 2.56 4.48 27 County Bank Brunswick 92,486 5.56 (4.16) 0.38 (3.01) 81.07 2.43 4.47 28 Wells Bank Platte City 229,035 5.50 5.88 0.77 7.76 91.02 3.31 4.44 29 Bank Star Pacific 135,278 5.31 0.21 0.52 (9.22) 95.15 3.42 4.43 30 Alton Bank Alton 64,816 7.06 (0.90) 1.23 0.83 84.36 2.48 4.39 31 Farmers and Merchants Bank of St. Clair Saint Clair 203,742 5.84 (0.03) 0.63 4.17 80.97 2.22 4.38 31 Concordia Bank Concordia 73,679 5.54 8.95 0.57 3.86 85.91 2.25 4.38 33 Bank of Weston Weston 147,742 5.57 3.91 0.54 0.70 83.03 2.75 4.36 34 Citizens Bank of Eldon Eldon 155,099 5.41 5.07 0.58 6.09 90.48 2.29 4.35 35 Platte Valley Bank of Missouri Platte City 597,196 5.81 11.28 0.51 8.33 87.40 2.11 4.34 35 Independent Farmers Bank Maysville 123,277 6.60 7.94 0.79 5.72 64.07 3.47 4.34 37 HomePride Bank Mansfield 97,610 5.68 (1.81) 0.91 2.20 89.53 2.20 4.33 38 Bank of Iberia Iberia 55,641 6.60 (6.84) 0.63 (2.39) 65.68 1.87 4.30 38 Community First Bank Butler 172,943 5.41 2.23 0.81 (1.15) 94.34 2.87 4.30 40 Alliant Bank Madison 161,800 5.44 (2.44) 0.86 (0.16) 89.89 2.68 4.28 41 Central Bank of the Midwest Lee's Summit 1,770,846 5.28 (0.23) 0.26 1.14 84.78 2.28 4.25 42 Adrian Bank Adrian 143,000 5.85 (1.36) 0.59 0.10 76.02 2.60 4.22 42 First Security Bank Union Star 32,506 5.99 9.07 0.29 4.10 72.45 1.72 4.22 44 Security Bank of Pulaski County Waynesville 108,059 6.05 5.48 0.86 1.70 76.41 2.79 4.21 45 Peoples Bank Cuba 206,518 5.47 1.16 0.71 (0.82) 87.12 3.41 4.20 46 Exchange Bank of Missouri Fayette 213,940 5.95 11.95 1.35 10.57 99.76 2.28 4.19 47 Farmers State Bank Cameron 242,848 5.00 1.81 0.61 8.45 88.32 3.29 4.18 48 First Missouri Bank of SEMO Kennett 218,495 5.31 (1.46) 0.80 30.90 85.67 2.62 4.16 48 Sherwood Community Bank Creighton 48,796 5.87 (9.17) 0.48 3.10 65.01 2.16 4.16 48 First State Bank and Trust Company, Inc. Caruthersville 383,569 5.59 3.95 0.72 11.61 86.56 3.04 4.16
Source: S&P Global Market Intelligence 124 Missouri – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Paramount Bank Hazelwood 126,705 43 0.01 17.58 0.00 0.00 10,284 18.05 2 NBKC Bank Kansas City 814,264 35,948 0.00 13.66 0.36 0.00 114,306 16.06 3 First State Bank of St. Charles, Missouri Saint Charles 391,484 6,128 0.07 6.19 0.31 0.01 26,220 7.08 4 Central Bank of Kansas City Kansas City 216,164 10,236 0.31 0.00 0.00 (0.01) 12,069 6.57 5 Academy Bank, N.A. Kansas City 1,619,130 17,575 2.67 0.22 0.01 0.00 62,746 4.13 6 Neighbors Bank Clarence 31,072 (155) 0.09 2.73 0.00 0.00 1,105 3.93 7 First Community National Bank Cuba 130,305 306 0.49 0.00 0.00 (0.42) 3,679 2.83 8 Central Trust Bank Jefferson City 2,645,286 32,922 0.19 0.28 (0.01) 0.00 68,332 2.71 9 Country Club Bank Kansas City 1,396,594 21,565 0.20 0.01 0.00 0.00 36,798 2.63 10 Community Bank of Raymore Raymore 271,395 2,887 0.22 0.00 0.00 (0.32) 6,655 2.62 11 North American Savings Bank, F.S.B. Kansas City 2,592,378 43,621 0.06 2.13 (0.04) 0.08 59,029 2.55 12 FortuneBank Arnold 187,405 1,059 0.02 1.57 0.16 (0.02) 4,593 2.44 13 Midwest Regional Bank Festus 644,319 4,177 0.03 1.41 0.68 0.00 14,180 2.22 14 Commerce Bank Kansas City 25,781,944 415,394 0.38 0.04 0.00 0.00 514,668 2.07 15 Community Bank of Pleasant Hill Pleasant Hill 82,337 547 0.41 0.00 0.00 0.00 1,513 2.03 16 Bank of Missouri Perryville 1,800,525 24,513 0.24 0.08 0.02 0.00 34,027 1.95 17 Community Bank and Trust Neosho 311,152 3,446 1.04 0.12 0.00 0.00 5,887 1.89 18 Midwest Independent Bank Jefferson City 274,550 2,838 1.24 0.00 0.00 0.00 4,758 1.68 19 Parkside Financial Bank & Trust Clayton 526,911 7,924 0.15 0.00 0.00 0.00 8,267 1.65 20 State Bank of Southwest Missouri Springfield 131,235 2,513 0.07 0.14 0.00 0.95 1,954 1.63 21 Lead Bank Garden City 356,749 3,290 1.37 0.05 0.00 0.00 4,844 1.61 22 Progressive Ozark Bank Salem 112,499 1,957 0.76 0.02 0.01 (0.04) 1,730 1.52 23 First State Community Bank Farmington 2,566,041 38,901 0.41 0.09 0.00 0.01 36,508 1.46 24 Heritage Bank of the Ozarks Lebanon 157,856 1,762 0.24 0.58 0.00 0.00 2,074 1.40 25 UMB Bank, National Association Kansas City 23,964,733 207,250 0.37 0.01 0.00 0.00 314,196 1.38 25 OakStar Bank Springfield 1,013,202 8,284 0.10 0.81 0.04 0.01 13,203 1.38 27 Central Bank of Lake of the Ozarks Osage Beach 820,462 13,590 0.37 0.15 0.04 (0.02) 10,192 1.34 28 First Federal Bank of Kansas City Kansas City 819,253 (3,439) 0.11 0.76 (0.20) 0.00 10,891 1.33 28 Phelps County Bank Rolla 375,418 6,050 0.39 0.18 0.01 0.00 4,722 1.33 28 Quarry City Savings and Loan Association Warrensburg 57,351 116 0.03 1.09 0.06 0.00 729 1.33 31 Central Bank of Boone County Columbia 2,169,066 32,034 0.26 0.09 0.01 0.00 26,152 1.31 32 Legacy Bank & Trust Company Rogersville 284,856 4,125 0.17 0.04 0.00 0.00 3,330 1.27 32 Central Bank of the Ozarks Springfield 1,411,713 17,840 0.37 0.08 0.02 0.00 17,275 1.27 34 Belgrade State Bank Belgrade 275,056 2,799 0.50 0.07 0.00 0.03 3,360 1.26 35 Central Bank of Sedalia Sedalia 424,144 7,778 0.39 0.06 0.03 0.09 5,137 1.25 36 First Bank of the Lake Osage Beach 110,974 1,314 0.08 0.86 0.09 0.00 1,128 1.22 37 Platte Valley Bank of Missouri Platte City 597,196 11,445 0.37 0.33 0.00 0.00 6,959 1.19 37 Landmark Bank Columbia 3,275,999 36,674 0.41 0.20 0.00 0.00 37,962 1.19 39 Mid-Missouri Bank Springfield 660,722 7,640 0.26 0.21 0.00 0.00 7,652 1.18 40 Southwest Missouri Bank Carthage 748,112 6,639 0.36 0.07 0.00 (0.01) 8,480 1.15 41 Central Bank of Branson Branson 336,290 5,111 0.39 0.14 0.00 (0.01) 3,945 1.14 42 HNB National Bank Hannibal 505,381 12,543 0.21 0.19 0.16 0.00 5,350 1.12 43 Blue Ridge Bank and Trust Co. Independence 562,460 5,977 0.51 0.00 0.00 0.00 6,069 1.10 44 Central Bank of the Midwest Lee's Summit 1,770,846 24,823 0.47 0.05 0.01 (0.06) 19,397 1.09 44 Nodaway Valley Bank Maryville 911,574 18,864 0.30 0.02 0.00 0.01 9,774 1.09 46 Peoples Community Bank Greenville 483,056 14,307 0.45 0.00 0.00 0.00 5,134 1.06 47 Citizens Bank and Trust Company Kansas City 907,680 7,541 0.40 0.00 0.00 0.00 8,781 1.04 47 Security Bank of Southwest Missouri Cassville 78,925 1,818 0.29 0.00 0.00 0.00 842 1.04 49 Jefferson Bank of Missouri Jefferson City 649,300 11,819 0.28 0.20 0.06 (0.04) 6,166 1.02 50 Central Bank of Warrensburg Warrensburg 252,923 3,202 0.41 0.07 0.00 0.00 2,469 0.99
Source: S&P Global Market Intelligence 125 Missouri – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Stifel Bank Clayton 2,103,817 38.14 80 1 0.75 0.07 0.43 1.25 2 Bank of Kirksville Kirksville 430,742 48.09 70 8 0.69 0.19 0.40 1.28 3 Home Exchange Bank Jamesport 173,332 46.22 20 3 0.85 0.06 0.40 1.30 4 Putnam County State Bank Unionville 220,086 35.62 22 2 0.78 0.27 0.33 1.37 5 Jefferson Bank and Trust Company Saint Louis 619,358 53.33 76 5 0.94 0.23 0.39 1.56 6 Community Bank of El Dorado Springs El Dorado Springs 106,224 47.46 16 1 1.00 0.06 0.54 1.60 7 Bank of Odessa Odessa 268,319 46.60 37 2 0.80 0.11 0.69 1.60 8 Farmers Bank of Lohman Jefferson City 67,808 64.82 11 2 0.80 0.24 0.64 1.68 9 MRV Banks Sainte Genevieve 385,587 45.07 46 5 0.97 0.24 0.50 1.71 10 Springfield First Community Bank Springfield 694,959 42.49 55 1 1.16 0.11 0.44 1.72 11 Community State Bank Shelbina 77,959 47.15 15 2 1.15 0.19 0.40 1.74 12 M1 Bank Macks Creek 283,371 55.24 20 3 0.61 0.29 0.88 1.78 13 Cass Commercial Bank Saint Louis 862,142 41.95 54 4 0.89 0.08 0.82 1.79 14 Sterling Bank Poplar Bluff 1,252,337 49.28 133 11 0.85 0.35 0.59 1.79 15 Community Bank of Memphis Memphis 45,221 54.79 11 1 1.11 0.35 0.34 1.80 16 Northeast Missouri State Bank Kirksville 110,290 52.96 16 2 1.11 0.20 0.51 1.82 17 Citizens Bank of Edina Edina 73,095 38.46 14 1 1.06 0.24 0.55 1.85 18 Bank of Versailles Versailles 262,805 59.03 42 5 1.24 0.23 0.43 1.90 19 Bank of Brookfield-Purdin, National Association Brookfield 88,351 65.10 20 4 1.04 0.23 0.64 1.91 20 Royal Banks of Missouri Saint Louis 667,979 55.06 84 11 0.99 0.29 0.62 1.91 21 Tipton Latham Bank, National Association Tipton 139,410 64.73 21 2 1.32 0.18 0.41 1.92 22 Bloomsdale Bank Bloomsdale 228,012 44.03 55 5 1.14 0.24 0.55 1.93 23 Central Bank of Audrain County Mexico 178,933 51.04 22 3 0.88 0.11 0.95 1.94 24 New Era Bank Fredericktown 350,612 47.16 76 8 1.04 0.25 0.65 1.94 25 Community Point Bank Russellville 139,158 64.25 23 3 1.06 0.22 0.69 1.97 26 West Plains Savings and Loan Association West Plains 82,895 64.71 16 1 1.09 0.30 0.64 2.03 27 Central Bank of Moberly Moberly 184,939 52.82 26 4 0.82 0.18 1.04 2.04 28 Mid America Bank Jefferson City 505,858 52.64 71 5 1.48 0.20 0.46 2.13 29 St. Clair County State Bank Osceola 142,761 50.23 32 4 1.28 0.25 0.61 2.14 30 Citizens-Farmers Bank of Cole Camp Cole Camp 134,895 54.61 28 3 1.29 0.31 0.55 2.14 31 Peoples Community Bank Greenville 483,056 39.10 137 15 1.18 0.23 0.78 2.19 32 Bank Northwest Hamilton 159,941 46.56 33 5 1.29 0.40 0.51 2.20 33 United State Bank Lewistown 183,722 54.78 45 5 1.37 0.28 0.56 2.20 34 Community Bank of Marshall Marshall 153,038 60.20 33 7 1.24 0.24 0.73 2.21 35 Central Bank of Boone County Columbia 2,169,066 50.21 299 16 1.05 0.21 0.96 2.22 36 Montrose Savings Bank Montrose 42,251 54.25 9 1 1.45 0.09 0.68 2.22 37 TPNB Bank Paris 80,431 64.96 14 1 1.23 0.21 0.78 2.23 38 Lindell Bank & Trust Company Saint Louis 515,231 50.58 111 12 1.23 0.41 0.61 2.25 39 Bank of Old Monroe Old Monroe 391,825 49.15 71 5 1.41 0.36 0.50 2.26 40 Legends Bank Linn 385,113 50.47 83 10 1.49 0.32 0.46 2.26 41 Investors Community Bank Chillicothe 70,455 63.25 16 1 1.10 0.26 0.92 2.28 42 Triad Bank Frontenac 384,235 58.86 39 1 1.45 0.15 0.68 2.28 43 Citizens Bank of Charleston Charleston 139,371 50.28 21 2 1.21 0.33 0.74 2.28 44 Central Bank of St. Louis Clayton 1,904,942 53.14 238 16 1.27 0.22 0.80 2.29 45 Peoples Bank of Wyaconda Kahoka 96,253 62.81 28 3 1.33 0.18 0.78 2.29 46 Citizens National Bank of Greater St. Louis Maplewood 505,309 60.00 90 6 1.35 0.26 0.68 2.29 47 Enterprise Bank & Trust Clayton 7,314,544 52.89 812 36 1.26 0.18 0.86 2.30 48 Southern Bank Poplar Bluff 2,238,027 53.70 457 49 1.27 0.32 0.72 2.31 49 Silex Banking Company Silex 70,675 63.76 10 1 1.42 0.34 0.55 2.32 50 Freedom Bank of Southern Missouri Cassville 292,212 58.67 55 5 1.33 0.23 0.77 2.32
Source: S&P Global Market Intelligence 126 Missouri – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Central Bank of Kansas City Kansas City 216,164 169,353 1.36 0.00 0.00 0.11 (0.42) (0.31) 2 Ozark Bank Ozark 239,762 179,571 0.99 0.00 0.00 0.00 (0.03) (0.03) 3 Cass Commercial Bank Saint Louis 862,142 723,072 1.11 0.00 0.00 0.00 (0.01) (0.01) 4 Clay County Savings Bank Liberty 111,467 74,940 1.60 0.00 0.00 0.00 0.00 0.00 4 Bank of Grain Valley Kansas City 93,831 53,801 1.74 0.00 0.00 0.00 0.00 0.00 4 CBC Bank Bowling Green 37,282 9,144 1.54 0.00 0.00 0.00 0.00 0.00 7 County Bank Brunswick 92,486 67,730 1.38 0.00 0.00 0.00 0.04 0.04 8 Silex Banking Company Silex 70,675 33,208 2.04 0.07 0.00 0.00 (0.02) 0.05 9 Pony Express Community Bank Saint Joseph 74,213 47,917 1.33 0.11 0.00 0.08 (0.13) 0.05 10 Community Bank of Pleasant Hill Pleasant Hill 82,337 33,578 1.06 0.01 0.00 0.00 0.06 0.07 11 Parkside Financial Bank & Trust Clayton 526,911 416,906 1.92 0.00 0.00 0.00 0.08 0.08 12 Springfield First Community Bank Springfield 694,959 526,466 0.42 0.00 0.00 0.08 0.01 0.09 13 Merchants and Farmers Bank of Salisbury Salisbury 94,216 57,426 1.91 0.10 0.00 0.00 0.00 0.11 14 Community National Bank Monett 135,984 80,973 1.18 0.04 0.00 0.07 0.01 0.11 15 Metz Banking Company Nevada 75,368 50,190 1.21 0.02 0.00 0.12 (0.01) 0.13 16 America's Community Bank Blue Springs 31,206 28,172 0.95 0.00 0.00 0.00 0.14 0.14 17 M1 Bank Macks Creek 283,371 171,884 0.53 0.09 0.03 0.03 0.00 0.15 18 Stifel Bank Clayton 2,103,817 1,092,379 0.89 0.02 0.00 0.17 0.00 0.19 19 Goppert Financial Bank Lathrop 176,370 108,524 0.94 0.00 0.01 0.04 0.14 0.19 20 Jefferson Bank and Trust Company Saint Louis 619,358 454,474 1.26 0.12 0.06 0.01 0.00 0.19 21 Rockwood Bank Eureka 250,327 193,346 1.11 0.02 0.00 0.42 (0.22) 0.22 22 Platte Valley Bank of Missouri Platte City 597,196 452,401 1.21 0.08 0.00 0.11 0.04 0.23 23 MRV Banks Sainte Genevieve 385,587 329,004 1.22 0.20 0.00 0.00 0.03 0.23 24 Bank of Brookfield-Purdin, National Association Brookfield 88,351 22,808 1.64 0.20 0.10 0.00 (0.01) 0.29 25 Midwest Independent Bank Jefferson City 274,550 139,753 2.74 0.00 0.00 0.01 0.33 0.34 26 Community Bank of Marshall Marshall 153,038 70,550 1.11 0.18 0.00 0.21 (0.03) 0.36 27 First Federal Bank of Kansas City Kansas City 819,253 624,685 0.54 0.15 0.00 0.21 0.01 0.37 28 New Era Bank Fredericktown 350,612 254,459 0.82 0.30 0.06 0.02 0.03 0.40 29 Saints Avenue Bank New London 93,490 75,272 1.08 0.00 0.00 0.30 0.10 0.40 30 American Bank of Missouri Wellsville 394,871 323,817 0.89 0.09 0.00 0.28 0.07 0.44 31 Bank Star Pacific 135,278 106,775 1.22 0.21 0.20 0.04 0.01 0.47 32 Neighbors Bank Clarence 31,072 12,544 1.04 0.47 0.00 0.00 0.00 0.47 33 Jonesburg State Bank Jonesburg 99,372 68,851 1.22 0.09 0.00 0.39 0.00 0.47 34 Central Bank of the Ozarks Springfield 1,411,713 1,024,190 1.54 0.21 0.01 0.13 0.14 0.49 35 Peoples Bank of Wyaconda Kahoka 96,253 66,891 1.83 0.48 0.01 0.00 0.01 0.50 36 Central Bank of Boone County Columbia 2,169,066 1,281,571 1.43 0.10 0.01 0.29 0.11 0.50 37 Meramec Valley Bank Ellisville 120,888 96,948 0.99 0.00 0.00 0.53 (0.03) 0.50 38 Central Federal Savings and Loan Association of Rolla Rolla 69,273 53,472 0.55 0.25 0.00 0.26 0.01 0.52 39 Central Bank of St. Louis Clayton 1,904,942 1,532,065 1.47 0.15 0.03 0.23 0.12 0.53 40 Pony Express Bank Liberty 179,059 144,619 1.02 0.00 0.00 0.56 (0.02) 0.54 41 Lamar Bank and Trust Company Lamar 162,757 126,737 1.09 0.06 0.00 0.46 0.02 0.54 42 Wood & Huston Bank Marshall 733,389 548,050 1.41 0.29 0.00 0.20 0.09 0.58 43 Alliant Bank Madison 161,800 130,096 1.13 0.09 0.00 0.50 0.00 0.59 44 Country Club Bank Kansas City 1,396,594 922,940 1.70 0.11 0.00 0.48 0.00 0.59 45 Sterling Bank Poplar Bluff 1,252,337 975,102 1.09 0.07 0.00 0.51 0.02 0.60 46 Midwest BankCentre Saint Louis 2,007,385 1,482,210 1.05 0.21 0.02 0.36 0.02 0.60 47 Connections Bank Kirksville 88,657 70,972 0.70 0.23 0.00 0.29 0.10 0.62 48 Wells Bank Platte City 229,035 186,894 1.08 0.03 0.00 0.58 0.00 0.62 49 Heritage Bank of the Ozarks Lebanon 157,856 113,380 1.53 0.10 0.00 0.52 0.02 0.64 50 Community Point Bank Russellville 139,158 108,396 1.21 0.58 0.00 0.08 0.00 0.66
Source: S&P Global Market Intelligence 127 Missouri – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 NBKC Bank Kansas City 814,264 35,948 362 99 12,641 10,275 3.79 30.11 2 Central Bank of Kansas City Kansas City 216,164 10,236 62 165 6,475 5,963 4.18 24.41 3 State Bank of Southwest Missouri Springfield 131,235 2,513 25 101 1,264 1,193 1.57 21.61 4 Century Bank of the Ozarks Gainesville 175,951 3,738 52 72 3,827 3,605 2.11 21.52 5 Jefferson Bank of Missouri Jefferson City 649,300 11,819 100 118 9,269 8,084 1.96 20.70 6 Central Bank of Sedalia Sedalia 424,144 7,778 69 113 6,297 5,707 1.90 20.26 7 Stifel Bank Clayton 2,103,817 23,203 80 290 3,704 6,187 1.40 20.11 8 Central Bank of Lake of the Ozarks Osage Beach 820,462 13,590 143 95 10,291 8,493 1.79 19.89 9 Bank Northwest Hamilton 159,941 3,952 33 120 3,229 2,457 1.79 19.17 10 Citizens Bank Butler 151,629 2,659 45 59 1,875 1,226 1.58 18.90 11 Bloomsdale Bank Bloomsdale 228,012 5,259 55 96 5,169 4,635 1.73 18.69 12 Central Bank of Boone County Columbia 2,169,066 32,034 299 107 25,477 21,821 1.61 18.23 13 North American Savings Bank, F.S.B. Kansas City 2,592,378 43,621 488 89 29,895 29,755 1.89 17.62 14 Phelps County Bank Rolla 375,418 6,050 93 65 5,285 4,915 1.28 17.53 15 Citizens Bank of Edina Edina 73,095 1,492 14 107 1,366 1,025 2.11 17.46 16 Central Bank of Audrain County Mexico 178,933 2,430 22 110 2,075 1,789 1.39 17.29 17 Wells Bank Platte City 229,035 4,916 46 107 4,539 4,182 1.64 16.76 18 MRV Banks Sainte Genevieve 385,587 5,593 46 122 3,556 2,288 1.48 16.41 19 Central Trust Bank Jefferson City 2,645,286 32,922 675 49 35,395 23,930 1.31 15.83 20 Community First Bank Butler 172,943 3,282 38 86 2,939 2,739 1.42 15.50 21 Commerce Bank Kansas City 25,781,944 415,394 4,733 88 398,805 296,066 1.67 15.40 22 Jonesburg State Bank Jonesburg 99,372 1,514 25 61 1,197 1,248 1.19 15.04 23 Bank of Weston Weston 147,742 2,438 36 68 1,726 1,355 1.23 14.96 24 Parkside Financial Bank & Trust Clayton 526,911 7,924 59 134 5,946 5,274 1.58 14.94 25 Platte Valley Bank of Missouri Platte City 597,196 11,445 178 64 9,979 8,603 1.46 14.90 26 Community State Bank Shelbina 77,959 987 15 66 1,009 765 1.31 14.71 27 Community National Bank Monett 135,984 2,347 28 84 1,844 1,544 1.40 14.69 28 Central Bank of Branson Branson 336,290 5,111 68 75 3,531 2,815 1.48 14.66 29 F & C Bank Holden 229,571 4,506 50 90 4,167 3,254 1.52 14.57 30 People's Bank of Seneca Seneca 205,106 2,731 35 78 2,611 1,683 1.37 14.52 31 Pony Express Bank Liberty 179,059 4,180 26 161 3,599 3,065 1.80 14.47 32 HNB National Bank Hannibal 505,381 12,543 133 94 11,063 10,596 1.97 14.45 33 Legacy Bank & Trust Company Rogersville 284,856 4,125 74 56 2,980 1,832 1.57 14.36 34 Heritage Bank of the Ozarks Lebanon 157,856 1,762 42 42 853 976 1.19 14.15 35 New Era Bank Fredericktown 350,612 7,278 76 96 6,701 6,595 1.55 14.14 36 Regional Missouri Bank Marceline 242,543 4,607 59 78 4,677 3,487 1.43 13.92 37 Southern Bank Poplar Bluff 2,238,027 31,036 457 68 24,347 17,965 1.45 13.74 38 Adrian Bank Adrian 143,000 2,898 31 93 2,207 2,102 1.53 13.60 39 Security Bank of Southwest Missouri Cassville 78,925 1,818 30 61 1,837 1,826 1.70 13.46 40 Independent Farmers Bank Maysville 123,277 1,584 31 51 1,555 1,536 1.32 13.46 41 Peoples Bank Cuba 206,518 3,945 53 74 4,161 3,393 1.40 13.45 42 Landmark Bank Columbia 3,275,999 36,674 626 59 23,462 26,969 1.15 13.40 43 First State Community Bank Farmington 2,566,041 38,901 664 59 37,341 28,244 1.56 13.38 44 First Security Bank Union Star 32,506 330 8 41 194 146 1.04 13.30 44 Pony Express Community Bank Saint Joseph 74,213 1,047 18 58 602 31 1.42 13.30 46 Central Bank of Moberly Moberly 184,939 2,240 26 86 1,627 1,414 1.16 13.25 47 Central Bank of St. Louis Clayton 1,904,942 30,272 238 127 35,781 21,260 1.57 13.22 48 Great Southern Bank Springfield 4,976,158 78,992 1,006 79 67,343 55,902 1.66 13.09 49 First Missouri Bank of SEMO Kennett 218,495 3,080 51 60 2,806 3,019 1.21 13.07 50 Central Bank of the Ozarks Springfield 1,411,713 17,840 256 70 15,992 13,920 1.32 13.05
Source: S&P Global Market Intelligence 128 Missouri – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Jefferson Bank of Missouri Jefferson City 649,300 56 49 63 75 5 49.6 2 Central Bank of Kansas City Kansas City 216,164 12 4 241 1 2 52.0 3 HNB National Bank Hannibal 505,381 24 42 114 77 32 57.8 4 Citizens Bank of Edina Edina 73,095 16 170 17 74 15 58.4 5 Wells Bank Platte City 229,035 28 148 54 48 17 59.0 6 Legacy Bank & Trust Company Rogersville 284,856 18 32 172 55 33 62.0 7 Community National Bank Monett 135,984 102 54 120 14 27 63.4 8 Platte Valley Bank of Missouri Platte City 597,196 35 37 199 22 25 63.6 9 Central Bank of Sedalia Sedalia 424,144 80 35 84 115 6 64.0 10 Peoples Community Bank Greenville 483,056 15 46 31 178 51 64.2 11 Central Bank of Boone County Columbia 2,169,066 215 31 35 36 12 65.8 12 Great Southern Bank Springfield 4,976,158 56 106 55 67 48 66.4 13 Century Bank of the Ozarks Gainesville 175,951 7 61 184 90 4 69.2 14 New Era Bank Fredericktown 350,612 198 64 24 28 35 69.8 15 Bank of Old Monroe Old Monroe 391,825 60 95 39 72 84 70.0 16 Cass Commercial Bank Saint Louis 862,142 114 161 13 3 60 70.2 17 Central Bank of Lake of the Ozarks Osage Beach 820,462 108 27 121 91 8 71.0 18 Parkside Financial Bank & Trust Clayton 526,911 121 19 181 11 24 71.2 18 Central Bank of St. Louis Clayton 1,904,942 168 58 44 39 47 71.2 20 Pony Express Bank Liberty 179,059 8 163 116 40 31 71.6 21 Nodaway Valley Bank Maryville 911,574 70 44 127 52 71 72.8 22 Exchange Bank of Missouri Fayette 213,940 46 100 72 78 69 73.0 23 Bank Northwest Hamilton 159,941 25 142 32 159 9 73.4 24 Heritage Bank of the Ozarks Lebanon 157,856 52 24 218 49 34 75.4 25 Enterprise Bank & Trust Clayton 7,314,544 87 95 47 68 83 76.0 26 People's Bank of Seneca Seneca 205,106 23 92 87 150 30 76.4 27 Bloomsdale Bank Bloomsdale 228,012 96 155 22 106 11 78.0 27 Pony Express Community Bank Saint Joseph 74,213 135 59 143 9 44 78.0 29 Lamar Bank and Trust Company Lamar 162,757 107 64 126 41 59 79.4 30 BankLiberty Kansas City 581,543 21 83 111 116 67 79.6 31 MRV Banks Sainte Genevieve 385,587 111 238 9 23 18 79.8 32 Bank of Advance Advance 328,829 14 69 132 132 53 80.0 32 Rockwood Bank Eureka 250,327 13 133 165 21 68 80.0 34 First State Community Bank Farmington 2,566,041 114 23 159 73 43 82.4 35 Southern Bank Poplar Bluff 2,238,027 123 80 48 126 37 82.8 36 Jonesburg State Bank Jonesburg 99,372 73 139 148 33 22 83.0 37 Adrian Bank Adrian 143,000 42 119 76 143 38 83.6 37 Central Bank of the Ozarks Springfield 1,411,713 161 32 141 34 50 83.6 39 County Bank Brunswick 92,486 27 51 225 7 109 83.8 40 Springfield First Community Bank Springfield 694,959 103 133 10 12 162 84.0 41 Community First Bank Butler 172,943 38 164 57 142 20 84.2 42 Phelps County Bank Rolla 375,418 149 28 179 69 14 87.8 43 Country Club Bank Kansas City 1,396,594 65 9 237 44 85 88.0 44 Peoples Bank Cuba 206,518 45 53 162 140 41 88.2 45 Bank of St. Elizabeth Saint Elizabeth 152,647 18 72 183 108 65 89.2 46 State Bank of Southwest Missouri Springfield 131,235 150 20 169 107 3 89.8 47 Citizens Bank of Charleston Charleston 139,371 60 148 43 81 118 90.0 48 First Midwest Bank of Poplar Bluff Poplar Bluff 440,647 76 90 110 131 54 92.2 49 F & C Bank Holden 229,571 9 98 175 151 29 92.4 49 Farmers Bank of Northern Missouri Unionville 369,569 108 124 66 61 103 92.4
Source: S&P Global Market Intelligence 129 Rank The Banks North Carolina – 2019 Q3 North Carolina – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Alliance Bank & Trust Company Gastonia PBD Holdings, LLC 9/8/2004 4 32 No 150,504 0.80 9.29 Aquesta Bank Cornelius Aquesta Financial Holdings, Inc. 8/1/2006 8 95 No 504,824 0.91 9.67 Bank of America, National Association Charlotte Bank of America Corporation 10/17/1904 4,266 137,694 No 1,812,976,000 1.59 13.49 Bank of Oak Ridge Oak Ridge Oak Ridge Financial Services, Inc. 4/10/2000 4 66 No 466,828 1.07 10.54 Belmont Savings Bank, SSB Belmont 1/1/1915 1 11 No 92,189 0.32 1.57 Black Mountain Savings Bank, SSB Black Mountain 4/4/1923 1 5 No 41,143 0.22 1.72 blueharbor bank Mooresville 1/8/2008 4 33 No 239,807 1.20 9.15 Branch Banking and Trust Company Winston-Salem BB&T Corporation 1/1/1872 1,791 32,295 No 229,886,000 1.53 11.75 Carolina Trust Bank Lincolnton Carolina Trust BancShares, Inc. 12/8/2000 11 104 No 622,582 1.07 9.40 Coastal Bank & Trust Jacksonville 4/13/2009 3 29 No 113,200 0.66 4.10 Dogwood State Bank Raleigh 9/4/2001 4 68 No 329,907 (0.62) (3.62) Entegra Bank Franklin Entegra Financial Corp. 1/1/1922 18 243 No 1,702,692 0.89 8.08 Farmers & Merchants Bank Salisbury F & M Financial Corporation 7/13/1909 11 123 No 632,996 1.68 14.84 Fidelity Bank Fuquay-Varina Fidelity BancShares (N.C.), Inc. 8/10/1909 53 447 No 2,057,326 1.46 13.62 First Bank Southern Pines First Bancorp 8/23/1935 102 1,100 No 6,069,535 1.65 11.71 First Capital Bank Laurinburg First Capital Bancshares, Inc. 9/27/1999 4 32 No 110,487 (0.68) (3.22) First Carolina Bank Rocky Mount First Carolina Financial Services, Inc. 11/29/2000 3 41 No 593,187 1.02 9.59 First Federal Bank Dunn First Federal Financial Corporation 1/1/1958 7 57 No 184,986 0.39 3.57 First Federal Savings Bank of Lincolnton Lincolnton 2/1/1940 4 47 No 392,146 1.23 7.78 First Savings and Loan Association Mebane 1/1/1909 1 6 No 55,274 (0.01) (0.02) First-Citizens Bank & Trust Company Raleigh First Citizens BancShares, Inc. 3/1/1898 550 6,770 No 37,665,333 1.26 13.27 Hertford Savings Bank, SSB Hertford 1/1/1923 1 3 No 12,939 0.08 0.46 HomeTrust Bank Asheville HomeTrust Bancshares, Inc. 1/1/1926 42 556 No 3,652,907 0.82 7.30 Jackson Savings Bank, SSB Sylva 1/1/1955 2 8 No 32,582 0.42 2.04 KS Bank, Inc. Smithfield KS Bancorp, Inc. 4/28/1924 10 86 No 403,996 1.07 11.36 Lifestore Bank (MHC) West Jefferson AsheCo MHC, Inc. 1/1/1939 4 73 No 304,965 1.10 10.02 Live Oak Banking Company Wilmington Live Oak Bancshares, Inc. 5/12/2008 1 539 No 4,578,750 0.80 7.20 Lumbee Guaranty Bank Pembroke 12/22/1971 14 97 No 346,159 0.89 7.75 Mechanics and Farmers Bank Durham M&F Bancorp, Inc. 8/1/1908 8 64 No 267,214 0.34 4.42 Morganton Savings Bank, S.S.B. Morganton 1/1/1903 1 10 No 95,365 0.72 2.72 Nantahala Bank & Trust Company Franklin 10/4/2004 3 45 No 162,148 0.29 4.42 New Republic Savings Bank Roanoke Rapids 12/15/1998 3 16 No 63,429 0.10 0.97 North State Bank Raleigh North State Bancorp 6/1/2000 7 177 Yes 947,598 1.03 11.99 Peoples Bank Newton Peoples Bancorp of North Carolina, Inc. 1/1/1912 21 336 No 1,221,748 1.41 11.05 Piedmont Federal Savings Bank Winston-Salem 1/1/1903 10 117 No 881,907 0.24 0.92 Providence Bank Rocky Mount PB Financial Corporation 3/14/2006 5 50 No 482,908 1.56 13.51 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 1/1/1914 2 16 No 71,551 0.47 1.99 Roxboro Savings Bank, SSB Roxboro 1/1/1923 2 30 No 224,586 1.13 5.66 Select Bank & Trust Company Dunn Select Bancorp, Inc. 5/24/2000 20 214 No 1,268,706 1.24 8.44 Southern Bank and Trust Company Mount Olive Southern BancShares (N.C.), Inc. 1/1/1901 64 573 No 2,854,279 1.20 11.78 Surrey Bank & Trust Mount Airy Surrey Bancorp 7/22/1996 7 71 No 331,629 1.74 11.85 Tarboro Savings Bank, SSB Tarboro 9/22/1906 1 8 No 49,319 0.21 1.47 Taylorsville Savings Bank, SSB Taylorsville 4/1/1921 3 32 No 107,631 0.67 6.82 Union Bank Greenville 11/9/1998 15 154 No 787,622 0.92 8.77 Uwharrie Bank Albemarle Uwharrie Capital Corp 1/26/1984 10 177 No 658,859 0.74 8.56 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest Wake Forest Bancorp, M.H.C. 1/1/1922 1 8 No 104,380 1.56 6.89
Source: S&P Global Market Intelligence 131 North Carolina – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 Bank of America, National Association Charlotte 137,694 4,266 1,446,939,000 339,179 424,983 10,508 13,167 1,812,976,000 2 Branch Banking and Trust Company Winston-Salem 32,295 1,791 173,213,000 96,713 128,356 5,363 7,118 229,886,000 3 First-Citizens Bank & Trust Company Raleigh 6,770 550 32,806,962 59,649 68,482 4,846 5,564 37,665,333 4 First Bank Southern Pines 1,100 102 4,881,791 47,861 59,505 4,438 5,518 6,069,535 5 Live Oak Banking Company Wilmington 539 1 4,030,091 4,030,091 4,578,750 7,477 8,495 4,578,750 6 HomeTrust Bank Asheville 556 42 2,515,930 59,903 86,974 4,525 6,570 3,652,907 7 Southern Bank and Trust Company Mount Olive 573 64 2,451,166 38,299 44,598 4,278 4,981 2,854,279 8 Fidelity Bank Fuquay-Varina 447 53 1,813,851 34,224 38,817 4,058 4,603 2,057,326 9 Entegra Bank Franklin 243 18 1,284,579 71,366 94,594 5,286 7,007 1,702,692 10 Select Bank & Trust Company Dunn 214 20 1,012,615 50,631 63,435 4,732 5,929 1,268,706 11 Peoples Bank Newton 336 21 964,755 45,941 58,178 2,871 3,636 1,221,748 12 North State Bank Raleigh 177 7 858,285 122,612 135,371 4,849 5,354 947,598 13 Piedmont Federal Savings Bank Winston-Salem 117 10 645,653 64,565 88,191 5,518 7,538 881,907 14 Union Bank Greenville 154 15 656,922 43,795 52,508 4,266 5,114 787,622 15 Uwharrie Bank Albemarle 177 10 590,048 59,005 65,886 3,334 3,722 658,859 16 Farmers & Merchants Bank Salisbury 123 11 554,688 50,426 57,545 4,510 5,146 632,996 17 Carolina Trust Bank Lincolnton 104 11 519,075 47,189 56,598 4,991 5,986 622,582 18 First Carolina Bank Rocky Mount 41 3 512,743 170,914 197,729 12,506 14,468 593,187 19 Aquesta Bank Cornelius 95 8 393,481 49,185 63,103 4,142 5,314 504,824 20 Providence Bank Rocky Mount 50 5 374,631 74,926 96,582 7,493 9,658 482,908 21 Bank of Oak Ridge Oak Ridge 66 4 393,581 98,395 116,707 5,963 7,073 466,828 22 KS Bank, Inc. Smithfield 86 10 328,450 32,845 40,400 3,819 4,698 403,996 23 First Federal Savings Bank of Lincolnton Lincolnton 47 4 325,886 81,472 98,037 6,934 8,344 392,146 24 Lumbee Guaranty Bank Pembroke 97 14 299,532 21,395 24,726 3,088 3,569 346,159 25 Surrey Bank & Trust Mount Airy 71 7 278,574 39,796 47,376 3,924 4,671 331,629 26 Dogwood State Bank Raleigh 68 4 226,868 56,717 82,477 3,336 4,852 329,907 27 Lifestore Bank (MHC) West Jefferson 73 4 238,498 59,625 76,241 3,267 4,178 304,965 28 Mechanics and Farmers Bank Durham 64 8 240,437 30,055 33,402 3,757 4,175 267,214 29 blueharbor bank Mooresville 33 4 205,356 51,339 59,952 6,223 7,267 239,807 30 Roxboro Savings Bank, SSB Roxboro 30 2 168,731 84,366 112,293 5,624 7,486 224,586 31 First Federal Bank Dunn 57 7 161,266 23,038 26,427 2,829 3,245 184,986 32 Nantahala Bank & Trust Company Franklin 45 3 137,466 45,822 54,049 3,055 3,603 162,148 33 Alliance Bank & Trust Company Gastonia 32 4 137,140 34,285 37,626 4,286 4,703 150,504 34 Coastal Bank & Trust Jacksonville 29 3 94,212 31,404 37,733 3,249 3,903 113,200 35 First Capital Bank Laurinburg 32 4 73,810 18,453 27,622 2,307 3,453 110,487 36 Taylorsville Savings Bank, SSB Taylorsville 32 3 92,462 30,821 35,877 2,889 3,363 107,631 37 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 8 1 79,215 79,215 104,380 9,902 13,048 104,380 38 Morganton Savings Bank, S.S.B. Morganton 10 1 53,115 53,115 95,365 5,312 9,537 95,365 39 Belmont Savings Bank, SSB Belmont 11 1 72,932 72,932 92,189 6,630 8,381 92,189 40 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 16 2 50,998 25,499 35,776 3,187 4,472 71,551 41 New Republic Savings Bank Roanoke Rapids 16 3 48,513 16,171 21,143 3,032 3,964 63,429 42 First Savings and Loan Association Mebane 6 1 42,182 42,182 55,274 7,030 9,212 55,274 43 Tarboro Savings Bank, SSB Tarboro 8 1 42,096 42,096 49,319 5,262 6,165 49,319 44 Black Mountain Savings Bank, SSB Black Mountain 5 1 35,023 35,023 41,143 7,005 8,229 41,143 45 Jackson Savings Bank, SSB Sylva 8 2 25,579 12,790 16,291 3,197 4,073 32,582 46 Hertford Savings Bank, SSB Hertford 3 1 10,744 10,744 12,939 3,581 4,313 12,939
Source: S&P Global Market Intelligence 132 North Carolina – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Surrey Bank & Trust Mount Airy 331,629 5.65 (0.70) 0.47 6.87 85.91 2.00 4.62 2 Peoples Bank Newton 1,221,748 5.22 7.79 0.23 7.65 88.09 3.47 4.56 3 Farmers & Merchants Bank Salisbury 632,996 5.54 (3.25) 0.22 0.02 77.36 1.73 4.49 4 First Capital Bank Laurinburg 110,487 6.29 22.37 1.11 12.99 98.10 1.67 4.47 5 Alliance Bank & Trust Company Gastonia 150,504 5.94 6.93 0.56 (1.70) 77.34 2.25 4.35 6 North State Bank Raleigh 947,598 4.83 7.05 0.19 7.51 92.45 2.35 4.28 7 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 71,551 5.91 41.68 0.69 46.40 88.30 2.48 4.27 8 Taylorsville Savings Bank, SSB Taylorsville 107,631 4.97 3.08 0.43 4.33 92.50 1.73 4.23 9 Morganton Savings Bank, S.S.B. Morganton 95,365 5.34 25.30 0.80 (1.19) 125.34 4.03 4.20 10 Carolina Trust Bank Lincolnton 622,582 5.57 26.90 1.01 31.18 93.08 2.86 4.19 11 Coastal Bank & Trust Jacksonville 113,200 5.44 7.45 0.42 9.90 82.62 2.38 4.13 11 Select Bank & Trust Company Dunn 1,268,706 5.44 2.27 1.00 0.34 100.40 2.90 4.13 13 First Bank Southern Pines 6,069,535 5.10 5.13 0.47 7.75 90.39 2.85 4.10 14 Lumbee Guaranty Bank Pembroke 346,159 6.05 3.44 0.57 1.50 63.41 2.85 4.04 15 Live Oak Banking Company Wilmington 4,578,750 7.20 46.07 2.31 36.67 83.00 2.85 4.02 16 Providence Bank Rocky Mount 482,908 5.65 10.95 1.21 6.27 101.99 2.98 4.01 17 blueharbor bank Mooresville 239,807 4.99 14.82 0.85 18.22 96.61 2.37 3.96 18 Bank of Oak Ridge Oak Ridge 466,828 5.26 7.69 1.18 5.92 98.61 3.86 3.90 19 Southern Bank and Trust Company Mount Olive 2,854,279 4.97 4.14 0.36 5.84 72.93 2.84 3.86 20 Hertford Savings Bank, SSB Hertford 12,939 5.30 13.30 1.02 (1.57) 97.29 1.98 3.84 21 Fidelity Bank Fuquay-Varina 2,057,326 4.93 4.29 0.11 4.49 65.40 2.46 3.83 21 First-Citizens Bank & Trust Company Raleigh 37,665,333 4.54 9.61 0.18 8.66 83.31 2.32 3.83 23 Union Bank Greenville 787,622 5.54 12.07 0.84 7.37 84.55 2.68 3.81 24 Nantahala Bank & Trust Company Franklin 162,148 5.11 6.82 0.76 0.21 81.15 2.36 3.80 25 First Federal Bank Dunn 184,986 5.07 8.15 0.70 (4.25) 82.34 2.73 3.70 26 Dogwood State Bank Raleigh 329,907 5.31 33.59 1.09 25.75 101.84 2.60 3.68 26 First Federal Savings Bank of Lincolnton Lincolnton 392,146 5.01 (1.16) 1.24 5.64 100.89 2.74 3.68 28 New Republic Savings Bank Roanoke Rapids 63,429 5.87 (4.82) 1.93 (5.91) 111.69 NA 3.67 29 KS Bank, Inc. Smithfield 403,996 5.31 0.26 1.12 2.64 92.13 2.33 3.66 30 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 104,380 6.02 7.21 1.22 0.45 86.46 3.21 3.64 31 Aquesta Bank Cornelius 504,824 5.46 12.27 1.39 16.56 100.53 2.45 3.61 32 Uwharrie Bank Albemarle 658,859 5.13 (1.84) 0.46 2.51 63.17 2.10 3.56 33 Lifestore Bank (MHC) West Jefferson 304,965 5.13 3.24 1.04 10.30 81.40 4.22 3.54 34 Tarboro Savings Bank, SSB Tarboro 49,319 5.94 4.52 1.59 6.12 88.17 0.00 3.52 35 Mechanics and Farmers Bank Durham 267,214 5.02 3.67 0.70 0.66 72.89 2.04 3.48 36 Jackson Savings Bank, SSB Sylva 32,582 4.74 (2.58) 1.22 (2.17) 100.09 NA 3.37 37 HomeTrust Bank Asheville 3,652,907 4.71 7.81 1.02 12.66 111.18 2.67 3.35 38 Branch Banking and Trust Company Winston-Salem 229,886,000 4.62 1.78 0.67 7.62 83.77 2.60 3.31 39 Roxboro Savings Bank, SSB Roxboro 224,586 5.19 5.23 0.93 0.79 70.88 2.86 3.22 40 Entegra Bank Franklin 1,702,692 4.88 1.47 1.12 1.95 84.68 3.35 3.17 41 Bank of America, National Association Charlotte 1,812,976,000 4.77 5.79 0.51 0.78 66.94 2.68 3.14 42 Belmont Savings Bank, SSB Belmont 92,189 4.54 4.94 1.17 (1.99) 96.61 1.95 3.06 43 First Carolina Bank Rocky Mount 593,187 5.53 51.79 1.91 30.18 74.11 3.46 2.94 44 Black Mountain Savings Bank, SSB Black Mountain 41,143 4.83 (1.72) 1.43 1.91 81.25 NA 2.84 45 First Savings and Loan Association Mebane 55,274 5.26 10.55 1.77 16.55 82.11 2.51 2.79 46 Piedmont Federal Savings Bank Winston-Salem 881,907 4.08 (2.01) 1.20 (1.29) 79.21 2.09 2.38
Source: S&P Global Market Intelligence 133 North Carolina – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Branch Banking and Trust Company Winston-Salem 229,886,000 3,388,000 0.33 0.07 (0.02) 0.00 4,581,000 2.07 2 Peoples Bank Newton 1,221,748 15,657 0.41 0.00 0.00 0.00 17,521 1.57 3 First-Citizens Bank & Trust Company Raleigh 37,665,333 458,003 0.29 0.04 0.01 (0.01) 535,032 1.47 4 Bank of America, National Association Charlotte 1,812,976,000 28,279,000 0.30 0.02 0.00 0.00 25,914,000 1.45 5 North State Bank Raleigh 947,598 12,685 0.07 1.09 0.00 (0.01) 11,964 1.30 5 Uwharrie Bank Albemarle 658,859 4,696 0.19 0.58 0.04 (0.01) 8,268 1.30 7 Live Oak Banking Company Wilmington 4,578,750 31,697 0.00 0.59 0.33 0.00 47,847 1.21 8 Farmers & Merchants Bank Salisbury 632,996 10,460 0.28 0.02 0.04 (0.06) 7,298 1.17 9 Lifestore Bank (MHC) West Jefferson 304,965 3,196 0.27 0.18 0.16 0.01 3,091 1.06 10 Fidelity Bank Fuquay-Varina 2,057,326 28,990 0.28 0.20 0.00 (0.01) 20,648 1.04 11 First Bank Southern Pines 6,069,535 98,406 0.21 0.20 0.02 (0.01) 60,770 1.02 12 Surrey Bank & Trust Mount Airy 331,629 5,424 0.21 0.00 (0.02) 0.00 2,748 0.88 13 Mechanics and Farmers Bank Durham 267,214 892 0.39 0.00 0.00 0.00 2,170 0.82 14 Southern Bank and Trust Company Mount Olive 2,854,279 32,332 0.33 0.04 0.07 0.00 21,868 0.81 15 KS Bank, Inc. Smithfield 403,996 4,216 0.17 0.00 0.00 0.00 2,878 0.73 16 HomeTrust Bank Asheville 3,652,907 28,216 0.13 0.10 0.00 (0.01) 25,008 0.72 17 Lumbee Guaranty Bank Pembroke 346,159 3,031 0.40 0.00 0.00 (0.02) 2,040 0.60 17 Bank of Oak Ridge Oak Ridge 466,828 4,944 0.15 0.02 0.00 0.00 2,786 0.60 19 Entegra Bank Franklin 1,702,692 14,793 0.10 0.10 0.02 0.00 9,784 0.59 20 Aquesta Bank Cornelius 504,824 4,295 0.10 0.00 0.00 (0.01) 2,427 0.51 21 Nantahala Bank & Trust Company Franklin 162,148 438 0.11 0.11 0.00 0.03 755 0.49 22 Taylorsville Savings Bank, SSB Taylorsville 107,631 694 0.15 0.00 0.00 0.00 494 0.48 23 Roxboro Savings Bank, SSB Roxboro 224,586 2,546 0.17 0.07 0.11 0.00 1,035 0.46 24 blueharbor bank Mooresville 239,807 2,682 0.03 0.00 0.00 0.00 956 0.43 24 Coastal Bank & Trust Jacksonville 113,200 733 0.10 0.10 0.00 (0.02) 479 0.43 26 New Republic Savings Bank Roanoke Rapids 63,429 64 0.03 0.00 0.13 0.21 274 0.42 26 Dogwood State Bank Raleigh 329,907 (1,878) 0.06 0.03 0.00 0.01 1,286 0.42 26 Carolina Trust Bank Lincolnton 622,582 6,166 0.14 0.00 0.00 (0.02) 2,450 0.42 29 Union Bank Greenville 787,622 7,050 0.15 0.01 0.00 0.00 3,129 0.41 29 First Federal Bank Dunn 184,986 722 0.14 0.00 0.00 0.01 764 0.41 31 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 71,551 351 0.04 0.00 0.13 (0.01) 296 0.40 32 Select Bank & Trust Company Dunn 1,268,706 15,640 0.09 0.06 0.00 0.00 4,200 0.33 33 Alliance Bank & Trust Company Gastonia 150,504 1,151 0.10 0.00 0.00 0.00 288 0.20 34 Morganton Savings Bank, S.S.B. Morganton 95,365 653 0.12 0.00 0.00 (0.03) 170 0.19 34 Providence Bank Rocky Mount 482,908 7,282 0.02 0.00 0.00 0.00 874 0.19 36 First Savings and Loan Association Mebane 55,274 (3) 0.00 0.00 0.00 0.00 79 0.15 37 Tarboro Savings Bank, SSB Tarboro 49,319 104 0.02 0.00 0.00 0.00 69 0.14 38 Piedmont Federal Savings Bank Winston-Salem 881,907 2,129 0.01 0.00 0.00 0.00 1,119 0.13 38 Black Mountain Savings Bank, SSB Black Mountain 41,143 88 0.00 0.00 0.00 0.00 51 0.13 38 First Capital Bank Laurinburg 110,487 (656) 0.03 0.00 0.00 0.02 124 0.13 41 First Carolina Bank Rocky Mount 593,187 5,225 0.04 0.00 0.00 0.00 548 0.11 42 Jackson Savings Bank, SSB Sylva 32,582 139 0.00 0.00 0.00 0.00 30 0.09 42 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 104,380 1,621 0.03 0.00 0.00 0.00 97 0.09 44 First Federal Savings Bank of Lincolnton Lincolnton 392,146 4,785 0.04 0.00 0.00 (0.06) 277 0.07 45 Belmont Savings Bank, SSB Belmont 92,189 293 0.02 0.00 0.00 0.00 36 0.04 46 Hertford Savings Bank, SSB Hertford 12,939 10 0.00 0.00 0.00 (0.21) (28) (0.21)
Source: S&P Global Market Intelligence 134 North Carolina – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 First Carolina Bank Rocky Mount 593,187 52.27 41 3 0.94 0.13 0.47 1.55 2 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 104,380 44.58 8 1 1.01 0.09 0.53 1.63 3 Providence Bank Rocky Mount 482,908 44.56 50 5 1.05 0.13 0.56 1.73 4 Bank of America, National Association Charlotte 1,812,976,000 46.84 137,694 4,266 0.96 0.27 0.79 2.03 5 Piedmont Federal Savings Bank Winston-Salem 881,907 87.35 117 10 1.33 0.31 0.47 2.11 6 Roxboro Savings Bank, SSB Roxboro 224,586 60.13 30 2 1.20 0.17 0.77 2.14 7 First Federal Savings Bank of Lincolnton Lincolnton 392,146 60.62 47 4 1.22 0.23 0.76 2.20 8 Entegra Bank Franklin 1,702,692 65.37 243 18 1.36 0.21 0.78 2.35 9 blueharbor bank Mooresville 239,807 59.89 33 4 1.25 0.32 0.86 2.43 10 Belmont Savings Bank, SSB Belmont 92,189 85.59 11 1 1.43 0.23 0.81 2.47 11 Select Bank & Trust Company Dunn 1,268,706 60.26 214 20 1.52 0.26 0.71 2.49 12 First Bank Southern Pines 6,069,535 53.34 1,100 102 1.58 0.27 0.66 2.51 13 Tarboro Savings Bank, SSB Tarboro 49,319 86.77 8 1 1.22 0.28 1.03 2.53 14 Union Bank Greenville 787,622 65.40 154 15 1.66 0.28 0.65 2.58 15 HomeTrust Bank Asheville 3,652,907 66.97 556 42 1.53 0.29 0.76 2.59 16 Black Mountain Savings Bank, SSB Black Mountain 41,143 89.88 5 1 1.49 0.13 1.00 2.62 17 Jackson Savings Bank, SSB Sylva 32,582 81.25 8 2 1.35 0.26 1.05 2.66 18 Aquesta Bank Cornelius 504,824 67.87 95 8 1.66 0.28 0.73 2.67 19 Fidelity Bank Fuquay-Varina 2,057,326 59.59 447 53 1.77 0.36 0.66 2.79 20 First Savings and Loan Association Mebane 55,274 94.53 6 1 1.42 0.13 1.26 2.81 21 Branch Banking and Trust Company Winston-Salem 229,886,000 56.82 32,295 1,791 1.79 0.33 0.72 2.83 22 Morganton Savings Bank, S.S.B. Morganton 95,365 74.34 10 1 1.69 0.40 0.74 2.83 23 Carolina Trust Bank Lincolnton 622,582 65.61 104 11 1.51 0.25 1.08 2.84 24 Southern Bank and Trust Company Mount Olive 2,854,279 63.48 573 64 1.73 0.41 0.72 2.86 25 KS Bank, Inc. Smithfield 403,996 67.40 86 10 1.63 0.36 0.89 2.89 26 Surrey Bank & Trust Mount Airy 331,629 56.57 71 7 1.62 0.29 1.01 2.92 27 Lifestore Bank (MHC) West Jefferson 304,965 67.12 73 4 1.84 0.30 0.84 2.98 28 Bank of Oak Ridge Oak Ridge 466,828 69.08 66 4 1.71 0.38 0.90 2.99 29 Hertford Savings Bank, SSB Hertford 12,939 94.58 3 1 1.33 0.28 1.59 3.21 30 Farmers & Merchants Bank Salisbury 632,996 59.54 123 11 1.97 0.35 0.95 3.27 31 Lumbee Guaranty Bank Pembroke 346,159 73.56 97 14 1.84 0.38 1.06 3.28 32 First-Citizens Bank & Trust Company Raleigh 37,665,333 65.36 6,770 550 1.82 0.44 1.06 3.32 33 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 71,551 83.93 16 2 1.72 0.25 1.42 3.39 34 Taylorsville Savings Bank, SSB Taylorsville 107,631 78.02 32 3 1.89 0.33 1.22 3.44 35 Nantahala Bank & Trust Company Franklin 162,148 91.44 45 3 1.62 0.55 1.28 3.45 36 Alliance Bank & Trust Company Gastonia 150,504 78.59 32 4 1.98 0.27 1.20 3.46 37 Live Oak Banking Company Wilmington 4,578,750 72.45 539 1 1.85 0.58 1.07 3.49 38 First Federal Bank Dunn 184,986 87.46 57 7 2.00 0.42 1.08 3.50 39 Coastal Bank & Trust Jacksonville 113,200 80.63 29 3 2.03 0.39 1.09 3.51 40 Mechanics and Farmers Bank Durham 267,214 91.44 64 8 1.97 0.46 1.28 3.70 41 New Republic Savings Bank Roanoke Rapids 63,429 97.10 16 3 2.22 0.31 1.24 3.76 42 Uwharrie Bank Albemarle 658,859 81.04 177 10 2.36 0.37 1.08 3.80 43 North State Bank Raleigh 947,598 72.34 177 7 2.18 0.36 1.33 3.88 44 Peoples Bank Newton 1,221,748 67.61 336 21 2.01 0.65 1.30 3.96 45 Dogwood State Bank Raleigh 329,907 112.23 68 4 2.27 0.37 1.58 4.22 46 First Capital Bank Laurinburg 110,487 110.75 32 4 2.92 0.65 1.39 4.96
Source: S&P Global Market Intelligence 135 North Carolina – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 First Carolina Bank Rocky Mount 593,187 379,986 0.58 0.00 0.00 0.00 (0.01) (0.01) 2 Black Mountain Savings Bank, SSB Black Mountain 41,143 28,455 0.15 0.00 0.00 0.00 0.00 0.00 3 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 104,380 68,490 2.09 0.19 0.00 0.00 0.00 0.19 4 Piedmont Federal Savings Bank Winston-Salem 881,907 511,411 0.20 0.24 0.00 0.05 0.00 0.29 5 blueharbor bank Mooresville 239,807 198,394 1.00 0.00 0.00 0.39 (0.02) 0.37 6 North State Bank Raleigh 947,598 793,444 0.62 0.36 0.00 0.12 0.01 0.48 7 Aquesta Bank Cornelius 504,824 395,554 0.98 0.22 0.00 0.33 (0.01) 0.54 8 Union Bank Greenville 787,622 555,419 0.89 0.11 0.28 0.16 0.00 0.55 9 Surrey Bank & Trust Mount Airy 331,629 239,325 1.71 0.12 0.02 0.42 0.07 0.63 10 Peoples Bank Newton 1,221,748 849,862 0.77 0.39 0.00 0.39 0.10 0.88 11 Coastal Bank & Trust Jacksonville 113,200 77,909 1.33 0.06 0.00 0.80 0.04 0.91 12 Southern Bank and Trust Company Mount Olive 2,854,279 1,787,701 1.15 0.24 0.17 0.52 0.04 0.97 13 Dogwood State Bank Raleigh 329,907 231,035 0.50 0.65 0.14 0.22 0.00 1.01 14 First Bank Southern Pines 6,069,535 4,412,813 0.44 0.28 0.02 0.70 0.02 1.03 15 Providence Bank Rocky Mount 482,908 382,098 0.94 0.41 0.03 0.58 0.01 1.03 16 Branch Banking and Trust Company Winston-Salem 229,886,000 145,101,000 0.90 0.37 0.06 0.60 0.20 1.24 17 Carolina Trust Bank Lincolnton 622,582 483,164 0.82 0.39 0.03 0.94 0.01 1.36 18 Belmont Savings Bank, SSB Belmont 92,189 70,929 0.37 0.77 0.00 0.64 0.00 1.41 19 First-Citizens Bank & Trust Company Raleigh 37,665,333 27,331,205 0.83 0.42 0.08 0.92 0.11 1.53 20 KS Bank, Inc. Smithfield 403,996 302,588 1.34 0.41 0.00 1.13 0.01 1.56 21 HomeTrust Bank Asheville 3,652,907 2,797,103 0.76 0.13 0.03 1.20 0.21 1.58 22 Entegra Bank Franklin 1,702,692 1,087,723 1.13 0.52 0.00 1.10 (0.02) 1.60 23 Live Oak Banking Company Wilmington 4,578,750 3,345,048 1.28 0.02 0.00 1.45 0.14 1.61 24 New Republic Savings Bank Roanoke Rapids 63,429 54,184 1.03 0.04 0.00 1.73 0.02 1.79 25 First Federal Savings Bank of Lincolnton Lincolnton 392,146 328,780 0.61 0.40 0.00 1.44 (0.02) 1.83 26 Fidelity Bank Fuquay-Varina 2,057,326 1,186,258 1.45 0.13 0.00 1.68 0.02 1.83 27 Bank of America, National Association Charlotte 1,812,976,000 968,579,000 0.97 0.38 0.16 0.95 0.38 1.88 28 Bank of Oak Ridge Oak Ridge 466,828 388,522 0.82 0.64 0.00 1.24 0.12 2.00 29 Select Bank & Trust Company Dunn 1,268,706 1,018,603 0.79 0.09 0.23 1.65 0.08 2.04 30 Uwharrie Bank Albemarle 658,859 372,715 0.56 0.19 0.00 1.94 (0.08) 2.04 31 Morganton Savings Bank, S.S.B. Morganton 95,365 66,573 2.22 0.38 0.00 2.21 (0.50) 2.09 32 Lifestore Bank (MHC) West Jefferson 304,965 194,149 1.27 0.57 0.00 1.55 0.10 2.21 33 Mechanics and Farmers Bank Durham 267,214 175,260 1.08 0.12 0.00 2.55 (0.03) 2.65 34 First Savings and Loan Association Mebane 55,274 34,637 0.59 1.27 1.43 0.00 0.04 2.73 35 Alliance Bank & Trust Company Gastonia 150,504 106,062 1.02 0.33 0.00 2.31 0.38 3.02 36 Roxboro Savings Bank, SSB Roxboro 224,586 119,914 1.04 0.40 0.32 2.63 0.00 3.36 37 First Capital Bank Laurinburg 110,487 72,519 1.50 1.45 0.00 1.93 (0.01) 3.37 38 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 71,551 45,135 0.46 2.65 0.00 0.86 0.03 3.54 39 Jackson Savings Bank, SSB Sylva 32,582 25,761 0.24 1.23 0.85 1.49 0.00 3.58 40 First Federal Bank Dunn 184,986 132,779 1.38 1.95 0.00 1.68 (0.01) 3.62 41 Taylorsville Savings Bank, SSB Taylorsville 107,631 85,829 1.54 0.56 0.00 3.16 0.03 3.75 42 Farmers & Merchants Bank Salisbury 632,996 430,751 1.84 1.16 0.20 2.55 0.03 3.95 43 Tarboro Savings Bank, SSB Tarboro 49,319 37,275 0.36 1.35 0.93 2.01 0.09 4.38 44 Lumbee Guaranty Bank Pembroke 346,159 190,316 1.14 0.78 0.00 4.43 (0.03) 5.18 45 Hertford Savings Bank, SSB Hertford 12,939 10,453 0.66 2.54 1.22 2.24 0.00 6.01 46 Nantahala Bank & Trust Company Franklin 162,148 111,554 1.15 0.27 0.00 15.38 (0.05) 15.60
Source: S&P Global Market Intelligence 136 North Carolina – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Farmers & Merchants Bank Salisbury 632,996 10,460 123 85 7,034 4,852 1.68 14.84 2 Fidelity Bank Fuquay-Varina 2,057,326 28,990 447 65 19,713 14,149 1.46 13.62 3 Providence Bank Rocky Mount 482,908 7,282 50 146 4,386 3,097 1.56 13.51 4 Bank of America, National Association Charlotte 1,812,976,000 28,279,000 137,694 205 26,226,000 21,303,000 1.59 13.49 5 First-Citizens Bank & Trust Company Raleigh 37,665,333 458,003 6,770 68 359,827 320,488 1.26 13.27 6 North State Bank Raleigh 947,598 12,685 177 72 11,720 12,304 1.03 11.99 7 Surrey Bank & Trust Mount Airy 331,629 5,424 71 76 3,897 3,670 1.74 11.85 8 Southern Bank and Trust Company Mount Olive 2,854,279 32,332 573 56 34,883 22,786 1.20 11.78 9 Branch Banking and Trust Company Winston-Salem 229,886,000 3,388,000 32,295 105 3,096,000 2,362,435 1.53 11.75 10 First Bank Southern Pines 6,069,535 98,406 1,100 89 82,315 42,327 1.65 11.71 11 KS Bank, Inc. Smithfield 403,996 4,216 86 49 3,107 2,928 1.07 11.36 12 Peoples Bank Newton 1,221,748 15,657 336 47 13,008 10,037 1.41 11.05 13 Bank of Oak Ridge Oak Ridge 466,828 4,944 66 75 4,048 3,237 1.07 10.54 14 Lifestore Bank (MHC) West Jefferson 304,965 3,196 73 44 2,333 1,875 1.10 10.02 15 Aquesta Bank Cornelius 504,824 4,295 95 45 2,487 2,552 0.91 9.67 16 First Carolina Bank Rocky Mount 593,187 5,225 41 127 1,618 1,287 1.02 9.59 17 Carolina Trust Bank Lincolnton 622,582 6,166 104 59 2,822 1,863 1.07 9.40 18 Alliance Bank & Trust Company Gastonia 150,504 1,151 32 36 1,204 464 0.80 9.29 19 blueharbor bank Mooresville 239,807 2,682 33 81 1,913 1,686 1.20 9.15 20 Union Bank Greenville 787,622 7,050 154 46 5,470 2,806 0.92 8.77 21 Uwharrie Bank Albemarle 658,859 4,696 177 27 2,025 2,964 0.74 8.56 22 Select Bank & Trust Company Dunn 1,268,706 15,640 214 73 8,414 7,487 1.24 8.44 23 Entegra Bank Franklin 1,702,692 14,793 243 61 7,642 8,798 0.89 8.08 24 First Federal Savings Bank of Lincolnton Lincolnton 392,146 4,785 47 102 3,256 3,124 1.23 7.78 25 Lumbee Guaranty Bank Pembroke 346,159 3,031 97 31 2,418 2,305 0.89 7.75 26 HomeTrust Bank Asheville 3,652,907 28,216 556 51 10,916 13,562 0.82 7.30 27 Live Oak Banking Company Wilmington 4,578,750 31,697 539 59 138,369 35,318 0.80 7.20 28 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 104,380 1,621 8 203 1,031 967 1.56 6.89 29 Taylorsville Savings Bank, SSB Taylorsville 107,631 694 32 22 305 697 0.67 6.82 30 Roxboro Savings Bank, SSB Roxboro 224,586 2,546 30 85 1,691 2,116 1.13 5.66 31 Mechanics and Farmers Bank Durham 267,214 892 64 14 (1,956) (220) 0.34 4.42 31 Nantahala Bank & Trust Company Franklin 162,148 438 45 10 (127) 309 0.29 4.42 33 Coastal Bank & Trust Jacksonville 113,200 733 29 25 1,531 709 0.66 4.10 34 First Federal Bank Dunn 184,986 722 57 13 (350) 72 0.39 3.57 35 Morganton Savings Bank, S.S.B. Morganton 95,365 653 10 65 (153) 161 0.72 2.72 36 Jackson Savings Bank, SSB Sylva 32,582 139 8 17 151 93 0.42 2.04 37 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 71,551 351 16 22 21 (93) 0.47 1.99 38 Black Mountain Savings Bank, SSB Black Mountain 41,143 88 5 18 127 103 0.22 1.72 39 Belmont Savings Bank, SSB Belmont 92,189 293 11 27 142 726 0.32 1.57 40 Tarboro Savings Bank, SSB Tarboro 49,319 104 8 13 318 257 0.21 1.47 41 New Republic Savings Bank Roanoke Rapids 63,429 64 16 4 (159) 350 0.10 0.97 42 Piedmont Federal Savings Bank Winston-Salem 881,907 2,129 117 18 2,258 2,441 0.24 0.92 43 Hertford Savings Bank, SSB Hertford 12,939 10 3 3 107 62 0.08 0.46 44 First Savings and Loan Association Mebane 55,274 (3) 6 (1) 334 217 (0.01) (0.02) 45 First Capital Bank Laurinburg 110,487 (656) 32 (21) (91) 359 (0.68) (3.22) 46 Dogwood State Bank Raleigh 329,907 (1,878) 68 (28) 1,081 881 (0.62) (3.62)
Source: S&P Global Market Intelligence 137 North Carolina – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Surrey Bank & Trust Mount Airy 331,629 1 12 26 9 7 11.0 2 First Bank Southern Pines 6,069,535 13 11 12 14 10 12.0 3 North State Bank Raleigh 947,598 6 5 43 6 6 13.2 4 Peoples Bank Newton 1,221,748 2 2 44 10 12 14.0 5 Providence Bank Rocky Mount 482,908 16 34 3 15 3 14.2 6 blueharbor bank Mooresville 239,807 17 24 9 5 19 14.8 7 Southern Bank and Trust Company Mount Olive 2,854,279 19 14 24 12 8 15.4 8 Fidelity Bank Fuquay-Varina 2,057,326 21 10 19 26 2 15.6 9 First-Citizens Bank & Trust Company Raleigh 37,665,333 21 3 32 19 5 16.0 9 Bank of America, National Association Charlotte 1,812,976,000 41 4 4 27 4 16.0 11 Farmers & Merchants Bank Salisbury 632,996 3 8 30 42 1 16.8 12 Branch Banking and Trust Company Winston-Salem 229,886,000 38 1 21 16 9 17.0 13 Aquesta Bank Cornelius 504,824 31 20 18 7 15 18.2 14 Carolina Trust Bank Lincolnton 622,582 10 26 23 17 17 18.6 15 Union Bank Greenville 787,622 23 29 14 8 20 18.8 16 KS Bank, Inc. Smithfield 403,996 29 15 25 20 11 20.0 17 First Carolina Bank Rocky Mount 593,187 43 41 1 1 16 20.4 18 Bank of Oak Ridge Oak Ridge 466,828 18 17 28 28 13 20.8 19 Select Bank & Trust Company Dunn 1,268,706 11 32 11 29 22 21.0 19 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 104,380 30 42 2 3 28 21.0 21 Live Oak Banking Company Wilmington 4,578,750 15 7 37 23 27 21.8 22 Entegra Bank Franklin 1,702,692 40 19 8 22 23 22.4 23 Lifestore Bank (MHC) West Jefferson 304,965 33 9 27 32 14 23.0 23 HomeTrust Bank Asheville 3,652,907 37 16 15 21 26 23.0 25 Coastal Bank & Trust Jacksonville 113,200 11 24 39 11 33 23.6 26 First Federal Savings Bank of Lincolnton Lincolnton 392,146 26 44 7 25 24 25.2 27 Alliance Bank & Trust Company Gastonia 150,504 5 33 36 35 18 25.4 28 Uwharrie Bank Albemarle 658,859 32 5 42 30 21 26.0 29 Lumbee Guaranty Bank Pembroke 346,159 14 17 31 44 25 26.2 29 Morganton Savings Bank, S.S.B. Morganton 95,365 9 34 22 31 35 26.2 31 Roxboro Savings Bank, SSB Roxboro 224,586 39 23 6 36 30 26.8 31 Taylorsville Savings Bank, SSB Taylorsville 107,631 8 22 34 41 29 26.8 33 Piedmont Federal Savings Bank Winston-Salem 881,907 46 38 5 4 42 27.0 34 Black Mountain Savings Bank, SSB Black Mountain 41,143 44 38 16 2 38 27.6 35 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 71,551 7 31 33 38 37 29.2 36 Mechanics and Farmers Bank Durham 267,214 35 13 40 33 31 30.4 37 Belmont Savings Bank, SSB Belmont 92,189 42 45 10 18 39 30.8 38 Dogwood State Bank Raleigh 329,907 26 26 45 13 46 31.2 39 Nantahala Bank & Trust Company Franklin 162,148 24 21 35 46 31 31.4 40 New Republic Savings Bank Roanoke Rapids 63,429 28 26 41 24 41 32.0 41 First Federal Bank Dunn 184,986 25 29 38 40 34 33.2 42 Tarboro Savings Bank, SSB Tarboro 49,319 34 37 13 43 40 33.4 43 Jackson Savings Bank, SSB Sylva 32,582 36 42 17 39 36 34.0 43 First Capital Bank Laurinburg 110,487 4 38 46 37 45 34.0 45 First Savings and Loan Association Mebane 55,274 45 36 20 34 44 35.8 46 Hertford Savings Bank, SSB Hertford 12,939 20 46 29 45 43 36.6
Source: S&P Global Market Intelligence 138 Rank The Banks Ohio – 2019 Q3 OhioOhio - –BankBank Listing Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1st National Bank Lebanon 1/1/1907 10 70 Yes 195,595 0.37 4.26 Andover Bank Andover Andover Bancorp, Inc. 11/1/1884 11 89 No 427,903 0.93 9.39 Antwerp Exchange Bank Company Antwerp Diamond Bancshares, Inc. 1/1/1893 3 29 No 116,693 0.70 6.50 Apple Creek Banking Company Apple Creek Apple Creek Banc Corp 2/1/1904 6 45 No 143,397 1.01 12.46 Baltic State Bank Baltic 1/1/1902 3 20 Yes 71,671 0.41 4.63 Bank of Magnolia Company Magnolia Magnolia Bancorp, Inc. 4/19/1899 3 17 No 81,607 0.86 7.54 Belmont Savings Bank Bellaire 1/1/1885 4 58 No 376,614 0.60 3.43 Brookville Building and Savings Association Brookville 1/1/1903 2 9 No 45,010 0.71 3.81 Buckeye Community Bank Lorain Buckeye Bancshares, Inc. 10/12/1999 1 32 No 174,133 1.23 9.70 Buckeye State Bank Powell Buckeye State Bancshares, Inc. 1/1/1885 3 21 No 110,496 (1.53) (12.15) CBank Cincinnati 7/16/2007 2 22 Yes 188,446 0.83 6.98 CenterBank Milford CenterGroup Financial, Inc. 3/15/2000 3 40 No 218,639 1.42 13.65 CFBank, National Association Worthington Central Federal Corporation 1/1/1892 7 122 No 785,014 1.37 14.47 Cincinnati Federal (MHC) Cincinnati CF Mutual Holding Company 1/1/1922 6 55 No 221,536 0.35 3.15 Cincinnatus Savings and Loan Company Cincinnati Cincinnatus Community Bancorp, MHC 5/14/1885 3 24 No 95,883 0.45 1.93 Citizens Bank Company Beverly Muskingum Valley Bancshares, Inc. 9/19/1863 5 58 No 227,954 1.19 9.04 Citizens Federal Savings and Loan Association Bellefontaine 2/13/1885 2 25 No 135,326 0.31 2.61 Citizens National Bank of Bluffton Bluffton Citizens Bancshares, Inc. 1/13/1920 12 156 Yes 868,653 1.52 15.55 Citizens National Bank of McConnelsville McConnelsville CNB Holdings, Inc. 1/1/1886 2 27 No 95,580 0.91 7.59 Citizens National Bank of Woodsfield Woodsfield CNB Bancorp, Inc. 12/7/1933 4 27 No 141,149 0.73 11.26 Civista Bank Sandusky Civista Bancshares, Inc. 3/24/1884 34 456 No 2,261,665 1.57 11.43 Commercial and Savings Bank of Millersburg, Ohio Millersburg CSB Bancorp, Inc. 1/1/1874 15 175 No 786,598 1.42 13.61 First FS&LA of Ravenswood Somerset Commodore Financial Network, Inc. 12/8/1928 3 21 No 80,115 0.07 0.86 Community Bank Zanesville CommunityBanc, Inc. 7/28/1902 11 133 No 454,373 1.15 12.01 Community First Bank, National Association Forest Community First Bancshares, Inc. 10/4/1904 3 15 No 48,826 0.32 3.22 Community Savings Caldwell Community Savings Bancorp, Inc. 1/1/1885 1 16 No 51,232 (0.12) (0.87) Community Savings Bank Bethel 4/6/1889 2 17 No 82,860 0.63 3.92 Conneaut Savings Bank Conneaut Conneaut Bancorp, MHC 1/1/1888 3 20 No 77,053 0.26 1.81 Consumers National Bank Minerva Consumers Bancorp, Inc. 8/30/1965 15 141 No 563,543 1.13 12.69 Corn City State Bank Deshler 10/11/1911 1 8 Yes 66,416 0.98 6.53 Cortland Savings and Banking Company Cortland Cortland Bancorp 4/1/1892 14 159 No 697,356 1.20 12.82 Covington Savings and Loan Association Covington Covington Financial Corporation, MHC 1/1/1886 3 20 No 70,788 0.77 4.93 Croghan Colonial Bank Fremont Croghan Bancshares, Inc. 7/25/1888 17 220 No 878,215 1.38 10.05 Eagle Savings Bank Cincinnati Eagle Financial Bancorp, Inc. 7/28/1882 3 38 No 142,202 0.46 3.03 Edon State Bank Company of Edon, Ohio Edon Edon Bancorp, Inc. 1/1/1893 1 9 Yes 59,935 0.68 3.58 Equitable Savings and Loan Company Cadiz 1/23/1873 1 4 No 13,284 (0.11) (0.52) Fahey Banking Company Marion 5/1/1865 3 47 No 291,586 (1.44) (8.94) Fairfield Federal Savings and Loan Association of Lancaster Lancaster 1/1/1895 3 49 No 265,720 0.50 4.43 Farmers & Merchants Bank Miamisburg F&M Bancorp 11/23/1923 4 29 No 177,907 1.25 12.60 Farmers & Merchants State Bank Archbold Farmers & Merchants Bancorp, Inc. 4/1/1897 30 355 No 1,551,197 1.17 9.62 Farmers and Merchants Bank Caldwell FarmMerc, Inc. 1/20/1912 1 31 No 111,934 1.13 8.05 Farmers Bank and Savings Company Pomeroy Farmers Bancshares, Inc. 12/4/1904 7 86 No 335,080 0.90 8.87 Farmers National Bank of Canfield Canfield Farmers National Banc Corp. 2/17/1887 38 411 No 2,411,225 1.44 13.17 Farmers Savings Bank Spencer 1/1/1925 2 30 Yes 288,040 1.11 4.31 Farmers State Bank West Salem Community Independent Bancorp, Inc. 4/15/1915 6 39 No 122,769 0.67 7.36 Farmers State Bank New Madison FSB Financial Corp. 1/1/1889 8 57 No 181,292 1.04 9.06 FDS Bank Mason Macy's Inc. 9/8/1993 1 1,679 No 107,514 503.34 NM Fidelity Federal Savings and Loan Association of Delaware Delaware Fidelity Federal Savings & Loan Association, MHC 1/18/1887 2 20 No 106,891 0.17 0.82 Fifth Third Bank Cincinnati Fifth Third Bancorp 6/17/1858 1,161 19,454 No 169,489,479 1.60 12.61 First Bank of Ohio Tiffin Tonti Financial Corporation 3/3/1873 5 46 No 205,177 1.50 4.04
Source: S&P Global Market Intelligence 140 continued OhioOhio - –BankBank Listing Listing,
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First Central National Bank of Saint Paris Saint Paris Central Bancshares, Inc. 8/8/1880 3 21 No 93,195 0.79 4.60 First Citizens National Bank of Upper Sandusky Upper Sandusky 12/1/1902 8 67 No 293,214 0.73 5.16 First City Bank Columbus 1/1/1907 1 13 Yes 64,192 0.38 3.34 First Federal Bank of Ohio Galion 1/1/1891 8 64 No 238,790 0.53 3.47 First Federal Bank of the Midwest Defiance First Defiance Financial Corp. 1/1/1920 44 596 No 3,322,729 1.50 11.80 First Federal Community Bank of Bucyrus Bucyrus Community Investors Bancorp, Inc. 1/1/1888 7 67 No 177,695 0.68 7.96 First Federal Community Bank, National Association Dover FFD Financial Corporation 1/1/1898 7 73 No 443,151 1.55 17.04 First Federal Savings and Loan Association of Centerburg Centerburg 6/1/1934 1 4 No 23,735 0.54 2.85 First Federal Savings and Loan Association of Delta Delta First FedDelta Bancshares, MHC 1/1/1934 6 39 No 163,422 0.42 3.34 First Federal Savings and Loan Association of Lakewood Lakewood First Mutual Holding Co. 2/16/1935 19 385 No 1,918,795 0.23 2.25 First Federal Savings and Loan Association of Lorain Lorain 1/1/1921 7 97 No 440,839 0.18 1.24 First Federal Savings and Loan Association of Newark Newark 8/1/1934 5 58 No 221,758 0.28 1.83 First Federal Savings and Loan Association of Van Wert Van Wert First Federal S&L Association of Van Wert, MHC 1/9/1893 1 19 No 113,418 0.67 3.26 First Financial Bank Cincinnati First Financial Bancorp. 1/1/1863 151 2,064 No 14,409,494 1.58 10.38 First Mutual Bank, FSB Belpre First Mutual Holding Co. 1/1/1902 5 28 No 89,857 0.08 0.61 First National Bank in New Bremen New Bremen 1/1/1934 6 37 Yes 298,293 1.12 11.01 First National Bank of Bellevue Bellevue First Bancshares, Inc. 9/30/1875 7 59 No 241,533 1.22 11.88 First National Bank of Blanchester Blanchester First Blanchester Bancshares, Inc. 3/8/1907 1 18 No 61,755 1.02 8.74 First National Bank of Dennison Dennison FNB, Inc. 10/16/1933 5 64 No 233,700 0.98 10.28 First National Bank of Germantown Germantown 9/19/1863 1 14 No 64,577 0.87 10.41 First National Bank of McConnelsville McConnelsville FNB Shares, Inc. 7/1/1863 6 49 No 149,900 0.64 5.89 First National Bank of Pandora Pandora Pandora Bancshares, Inc. 6/21/1919 5 46 No 186,787 0.70 8.20 First National Bank of Sycamore Sycamore FNB Bancshares, Inc. 7/1/1919 3 28 No 152,334 0.66 6.06 First National Bank of Waverly Waverly Central Ohio Bancorp 1/1/1901 5 39 No 155,292 0.41 4.32 First State Bank Winchester First State Bancorp, Inc. 1/1/1884 13 125 No 498,832 1.22 11.99 Fort Jennings State Bank Fort Jennings FJSB Bancshares, Inc. 1/1/1918 6 42 No 192,448 1.07 9.47 Galion Building and Loan Bank Galion 2/13/1884 2 17 No 62,347 0.20 1.66 Geauga Savings Bank Newbury Maple Leaf Financial, Inc. 8/30/1983 2 49 No 274,832 0.58 3.94 Genoa Banking Company Genoa GenBanc, Inc. 9/9/1902 8 104 No 392,286 0.63 7.74 Greenville Federal (MHC) Greenville Greenville Federal MHC 1/1/1883 4 48 No 186,200 0.37 3.30 Greenville National Bank Greenville Greenville National Bancorp 1/17/1934 10 100 No 484,431 1.29 12.28 Guardian Savings Bank, F.S.B. West Chester Guardian Bancorp, Inc. 4/22/1895 11 160 Yes 1,002,688 1.43 11.74 Hamler State Bank Hamler 1/1/1921 1 8 Yes 85,020 1.04 6.64 Harrison Building and Loan Association Harrison 5/1/1916 3 37 No 224,011 0.68 4.34 Heartland Bank Whitehall Heartland BancCorp 1/1/1911 19 216 No 1,136,393 1.25 11.78 Henry County Bank Napoleon Comunibanc Corp. 5/11/1936 7 73 No 292,093 0.47 4.91 Hicksville Bank Hicksville Empire Bancshares, Inc. 1/9/1946 3 31 No 120,459 0.79 5.96 Hocking Valley Bank Athens Hocking Valley Bancshares, Inc. 8/12/1963 7 52 No 270,464 1.06 10.10 Home Federal Savings and Loan Association of Niles Ohio Niles First Niles Financial, Inc. 11/20/1897 1 11 No 95,190 0.42 3.40 Home Loan Savings Bank Coshocton Home Loan Financial Corporation 1/1/1882 4 45 No 220,181 1.78 14.80 Home National Bank Racine 4/10/1910 3 22 Yes 70,364 0.91 6.85 Home Savings and Loan Company of Kenton, Ohio Kenton 2/6/1888 1 16 No 129,098 0.85 3.21 Home Savings Bank Youngstown United Community Financial Corp. 1/15/1889 34 489 No 2,895,253 1.33 13.18 Home Savings Bank of Wapakoneta Wapakoneta 11/24/1941 1 6 No 37,272 0.25 1.86 Hometown Bank Kent Hometown Bancorp, Inc. 1/1/1898 5 62 No 204,690 0.58 7.03 Huntington National Bank Columbus Huntington Bancshares Incorporated 1/6/1866 904 14,798 No 108,790,427 1.49 13.72 Independence Bank Independence Independence BancCorp 8/15/1979 1 23 No 169,863 0.88 7.21 JPMorgan Chase Bank, National Association Columbus JPMorgan Chase & Co. 1/1/1824 4,979 201,697 No 2,367,127,000 1.28 12.86 KeyBank National Association Cleveland KeyCorp 1/1/1849 1,123 16,534 No 145,183,614 1.35 11.89 Killbuck Savings Bank Company Killbuck Killbuck Bancshares, Inc. 9/23/1900 11 129 No 557,661 1.43 12.56
Source: S&P Global Market Intelligence 141 continued OhioOhio - –BankBank Listing Listing,
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Kingston National Bank Kingston Kingston Bancshares, Inc. 8/14/1909 6 67 No 376,019 0.83 9.96 LCNB National Bank Lebanon LCNB Corp. 5/29/1877 35 315 No 1,641,770 1.18 8.90 Liberty Bank Ironton Liberty Federal Bancorp, MHC 1/1/1896 2 16 No 52,171 0.52 3.26 Liberty National Bank Ada Liberty Bancshares, Inc. 10/3/1893 6 69 No 342,492 1.18 9.07 Liberty Savings Bank, F.S.B. Wilmington Liberty Capital, Inc. 1/1/1889 8 112 Yes 709,515 0.92 9.54 Marblehead Bank Marblehead Marblehead Bancorp 3/6/1907 3 14 No 50,158 0.56 5.78 Mechanics Bank Mansfield Mechanics Financial Corporation 1/1/1886 9 136 No 554,766 0.79 9.87 Mercer Savings Bank Celina 1/1/1888 4 32 No 133,322 0.63 6.57 Merchants National Bank Hillsboro Merchants Bancorp, Incorporated 12/26/1879 18 176 No 933,250 1.10 11.47 Metamora State Bank Metamora Metamora Bancorp, Inc. 7/1/1944 3 20 No 82,666 0.37 3.92 Miami Savings Bank Miamitown 12/27/1909 3 21 No 128,479 1.11 6.80 Middlefield Banking Company Middlefield Middlefield Banc Corp. 9/16/1901 15 199 No 1,280,288 1.29 11.74 Minster Bank Minster Minster Financial Corp. 1/23/1914 7 87 No 509,545 1.39 16.09 Monroe Federal Savings and Loan Association Tipp City 1/1/1875 3 23 No 103,554 0.24 2.06 Mt. Victory State Bank Mount Victory Victory Bancshares, Inc. 9/14/1929 1 5 No 18,137 0.41 3.77 National Bank of Adams County of West Union West Union 4/28/1928 1 16 Yes 82,080 1.13 9.66 National Cooperative Bank, N.A. Hillsboro National Consumer Cooperative Bank 5/5/1890 1 331 No 2,621,146 0.74 6.54 Nationwide Trust Company, FSB Columbus Nationwide Mutual Group 9/1/1998 1 151 No 193,180 (1.03) (8.54) Nelsonville Home & Savings Bank Nelsonville 1/1/1888 1 5 No 30,689 0.96 8.08 New Carlisle Federal Savings Bank New Carlisle 1/1/1883 3 24 No 130,314 0.75 7.58 New Foundation Savings Bank Cincinnati 10/28/1891 1 26 No 19,057 0.29 2.53 North Side Bank and Trust Company Cincinnati 11/1/1891 9 108 No 715,202 1.51 11.97 North Valley Bank Zanesville North Valley Bancshares, Inc. 11/4/1904 6 63 No 208,680 0.84 8.12 Ohio Valley Bank Company Gallipolis Ohio Valley Banc Corp. 11/1/1872 17 264 No 1,030,492 0.91 8.00 Old Fort Banking Company Old Fort Gillmor Financial Services, Inc. 4/4/1917 10 101 Yes 561,540 1.25 16.02 Osgood State Bank Osgood OSB Bancorp, Inc. 12/31/1915 5 51 No 264,320 1.09 10.42 Ottoville Bank Company Ottoville 2/2/1904 1 10 No 78,369 1.32 6.33 Park National Bank Newark Park National Corporation 7/8/1908 117 1,898 No 8,680,746 1.38 14.57 Pataskala Banking Company Pataskala 1/1/1888 3 16 No 33,672 0.37 5.08 Peoples Bank Gambier Peoples Bancshares of Gambier Inc. 6/1/1920 3 25 No 57,348 0.47 4.62 Peoples Bank Marietta Peoples Bancorp Inc. 5/26/1902 82 910 No 4,392,907 1.40 10.97 Peoples Bank Co. Coldwater Peoples Holding Company, Inc. 11/20/1905 7 76 No 563,551 1.73 16.00 Peoples Federal Savings and Loan Association Sidney Peoples-Sidney Financial Corporation 1/1/1886 5 30 No 115,214 0.77 5.85 Peoples First Savings Bank Mason 1/1/1909 2 15 No 71,202 0.40 3.66 Peoples National Bank of Mount Pleasant Mount Pleasant Peoples Bancorp of Mt. Pleasant, Inc. 3/12/1903 3 26 No 72,397 0.91 8.43 Peoples Savings and Loan Company Bucyrus 1/1/1888 2 29 No 139,953 0.31 1.49 Peoples Savings and Loan Company West Liberty 1/1/1890 2 11 No 50,303 0.34 2.29 Peoples Savings Bank New Matamoras PSB Holdings, Inc. 7/11/1911 3 17 No 63,420 0.97 7.96 Peoples Savings Bank Urbana 1/1/1892 2 28 No 120,796 0.50 5.61 Peoples State Bank New Lexington Peoples National Bancshares, Inc. 2/15/1932 5 43 No 134,175 0.89 8.89 Perpetual Federal Savings Bank Urbana 1/1/1878 1 21 No 391,660 1.56 8.24 Pioneer Savings Bank Cleveland 1/1/1922 1 6 No 39,066 0.15 0.87 Portage Community Bank Ravenna Portage Bancshares, Inc. 7/1/1998 2 67 No 355,613 0.89 7.60 Republic Banking Company Republic 1/1/1906 1 6 No 48,798 1.46 9.44 Richwood Banking Company, Inc. Richwood Richwood Bancshares, Inc. 7/1/1867 8 143 No 736,432 0.82 8.42 RiverHills Bank Milford New Richmond Bancorporation 11/17/1904 5 55 No 175,041 1.62 15.09 Rockhold Bank Bainbridge Rockhold Bancshares, Inc. 8/9/1867 2 16 No 40,834 (0.34) (3.48) Savings Bank Circleville Savings Bancorp, Inc. 4/20/1912 6 70 No 350,412 0.65 5.78 Settlers Bank Marietta Third Street Bancshares, Inc. 7/26/1999 1 23 No 126,685 1.44 10.97 Sherwood State Bank Sherwood Sherwood Banc Corporation 1/8/1945 4 23 No 72,887 0.75 6.90
Source: S&P Global Market Intelligence 142 continued OhioOhio - –BankBank Listing Listing,
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Signature Bank, National Association Toledo Signature Bancorp, Inc. 4/2/2002 1 118 No 958,188 1.42 13.55 Somerville Bank Somerville Somerville Bancorp 10/10/1910 6 44 Yes 196,158 0.74 6.87 Southern Hills Community Bank Leesburg 1/1/1884 8 44 No 159,559 0.13 0.85 Spring Valley Bank Wyoming SV Bancorp, Inc. 9/2/1997 1 9 Yes 80,312 3.45 8.34 SSB Community Bank Strasburg Strasburg Bancorp Inc. 1/1/1924 2 24 Yes 103,516 0.92 11.81 St. Henry Bank Saint Henry St. Henry Bancorp, Inc. 1/5/1905 3 27 Yes 298,959 1.82 12.02 Standing Stone Bank Lancaster SSNB, Inc. 5/12/1989 3 27 No 102,454 0.69 8.46 State Bank and Trust Company Defiance SB Financial Group, Inc. 3/28/1902 20 242 No 1,036,941 1.24 9.71 Sutton Bank Attica Sutton Bancshares, Inc. 2/12/1878 8 100 Yes 561,304 2.21 21.09 Third Federal Savings and Loan Association of Cleveland (MHC) Cleveland Third Federal S&L Association of Cleveland, MHC 8/4/1938 37 1,070 No 14,495,068 0.54 5.25 Twin Valley Bank West Alexandria 1/1/1888 3 21 No 79,473 0.73 7.10 Unified Bank Martins Ferry United Bancorp, Inc. 1/1/1902 20 125 No 674,725 1.46 14.92 Union Bank Company Columbus Grove United Bancshares, Inc. 11/21/1904 19 210 No 875,510 1.21 9.86 Union Banking Company West Mansfield Union Bancorp, Inc. 1/1/1928 2 9 Yes 57,562 0.77 6.10 Union Savings Bank Cincinnati 3/1/1904 35 519 Yes 3,067,245 1.51 13.61 United Midwest Savings Bank, National Association De Graff MSB Capital Corporation 5/5/1889 5 116 No 281,455 1.75 17.46 Valley Central Bank Liberty Township Valley Central, MHC 6/16/1884 4 39 No 166,213 0.23 1.00 Van Wert Federal Savings Bank Van Wert 1/1/1889 1 16 No 116,375 0.43 2.02 Versailles Savings and Loan Company Versailles Versailles Financial Corporation 12/13/1887 1 9 No 54,847 0.92 4.51 Vinton County National Bank McArthur Community Bancshares, Inc. 1/1/1867 17 227 No 1,006,094 0.93 7.89 Warsaw Federal Savings and Loan Association Cincinnati 1/1/1893 2 21 No 55,439 (1.39) (10.11) Waterford Bank, N.A. Toledo Waterford Bancorp, Inc. 8/29/2007 2 77 No 795,528 1.34 12.83 Waterford Commercial and Savings Bank Waterford 2012 Waterford C&S Bank Shareholders Voting Trust 1/1/1908 2 15 No 46,421 1.00 7.49 Wayne Savings Community Bank Wooster Wayne Savings Bancshares, Inc. 3/31/1899 11 94 No 494,425 1.33 13.92 Westfield Bank, FSB Westfield Center Ohio Farmers Insurance Company 2/5/2001 7 179 No 1,493,768 0.90 7.96 Wilmington Savings Bank Wilmington 1/1/1890 2 24 No 161,857 0.71 3.79 Woodsfield Savings Bank Woodsfield 3/12/1887 2 19 No 68,973 0.37 4.46
Source: S&P Global Market Intelligence 143 Ohio – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 JPMorgan Chase Bank, National Association Columbus 201,697 4,979 1,620,225,000 325,412 475,422 8,033 11,736 2,367,127,000 2 Fifth Third Bank Cincinnati 19,454 1,161 129,875,571 111,865 145,986 6,676 8,712 169,489,479 3 KeyBank National Association Cleveland 16,534 1,123 116,132,459 103,413 129,282 7,024 8,781 145,183,614 4 Huntington National Bank Columbus 14,798 904 86,178,101 95,330 120,343 5,824 7,352 108,790,427 5 Third Federal Savings and Loan Association of Cleveland (MHC) Cleveland 1,070 37 8,907,033 240,731 391,759 8,324 13,547 14,495,068 6 First Financial Bank Cincinnati 2,064 151 10,129,284 67,081 95,427 4,908 6,981 14,409,494 7 Park National Bank Newark 1,898 117 7,234,450 61,833 74,194 3,812 4,574 8,680,746 8 Peoples Bank Marietta 910 82 3,380,064 41,220 53,572 3,714 4,827 4,392,907 9 First Federal Bank of the Midwest Defiance 596 44 2,784,889 63,293 75,517 4,673 5,575 3,322,729 10 Union Savings Bank Cincinnati 519 35 2,561,728 73,192 87,636 4,936 5,910 3,067,245 11 Home Savings Bank Youngstown 489 34 2,156,554 63,428 85,155 4,410 5,921 2,895,253 12 National Cooperative Bank, N.A. Hillsboro 331 1 2,205,207 2,205,207 2,621,146 6,662 7,919 2,621,146 13 Farmers National Bank of Canfield Canfield 411 38 2,046,464 53,854 63,453 4,979 5,867 2,411,225 14 Civista Bank Sandusky 456 34 1,654,982 48,676 66,520 3,629 4,960 2,261,665 15 First Federal Savings and Loan Association of Lakewood Lakewood 385 19 1,616,818 85,096 100,989 4,200 4,984 1,918,795 16 LCNB National Bank Lebanon 315 35 1,355,944 38,741 46,908 4,305 5,212 1,641,770 17 Farmers & Merchants State Bank Archbold 355 30 1,278,668 42,622 51,707 3,602 4,370 1,551,197 18 Westfield Bank, FSB Westfield Center 179 7 1,232,553 176,079 213,395 6,886 8,345 1,493,768 19 Middlefield Banking Company Middlefield 199 15 1,034,820 68,988 85,353 5,200 6,434 1,280,288 20 Heartland Bank Whitehall 216 19 984,003 51,790 59,810 4,556 5,261 1,136,393 21 State Bank and Trust Company Defiance 242 20 857,567 42,878 51,847 3,544 4,285 1,036,941 22 Ohio Valley Bank Company Gallipolis 264 17 861,696 50,688 60,617 3,264 3,903 1,030,492 23 Vinton County National Bank McArthur 227 17 881,727 51,866 59,182 3,884 4,432 1,006,094 24 Guardian Savings Bank, F.S.B. West Chester 160 11 874,217 79,474 91,153 5,464 6,267 1,002,688 25 Signature Bank, National Association Toledo 118 1 852,611 852,611 958,188 7,226 8,120 958,188 26 Merchants National Bank Hillsboro 176 18 819,441 45,525 51,847 4,656 5,303 933,250 27 Croghan Colonial Bank Fremont 220 17 709,190 41,717 51,660 3,224 3,992 878,215 28 Union Bank Company Columbus Grove 210 19 707,454 37,234 46,079 3,369 4,169 875,510 29 Citizens National Bank of Bluffton Bluffton 156 12 591,695 49,308 72,388 3,793 5,568 868,653 30 Waterford Bank, N.A. Toledo 77 2 704,426 352,213 397,764 9,148 10,332 795,528 31 Commercial and Savings Bank of Millersburg, Ohio Millersburg 175 15 659,795 43,986 52,440 3,770 4,495 786,598 32 CFBank, National Association Worthington 122 7 687,766 98,252 112,145 5,637 6,435 785,014 33 Richwood Banking Company, Inc. Richwood 143 8 637,531 79,691 92,054 4,458 5,150 736,432 34 North Side Bank and Trust Company Cincinnati 108 9 558,776 62,086 79,467 5,174 6,622 715,202 35 Liberty Savings Bank, F.S.B. Wilmington 112 8 519,873 64,984 88,689 4,642 6,335 709,515 36 Cortland Savings and Banking Company Cortland 159 14 587,334 41,952 49,811 3,694 4,386 697,356 37 Unified Bank Martins Ferry 125 20 556,514 27,826 33,736 4,452 5,398 674,725 38 Peoples Bank Co. Coldwater 76 7 499,226 71,318 80,507 6,569 7,415 563,551 39 Consumers National Bank Minerva 141 15 487,678 32,512 37,570 3,459 3,997 563,543 40 Old Fort Banking Company Old Fort 101 10 505,885 50,589 56,154 5,009 5,560 561,540 41 Sutton Bank Attica 100 8 488,037 61,005 70,163 4,880 5,613 561,304 42 Killbuck Savings Bank Company Killbuck 129 11 482,803 43,891 50,696 3,743 4,323 557,661 43 Mechanics Bank Mansfield 136 9 492,914 54,768 61,641 3,624 4,079 554,766 44 Minster Bank Minster 87 7 445,848 63,693 72,792 5,125 5,857 509,545 45 First State Bank Winchester 125 13 427,172 32,859 38,372 3,417 3,991 498,832 46 Wayne Savings Community Bank Wooster 94 11 405,660 36,878 44,948 4,316 5,260 494,425 47 Greenville National Bank Greenville 100 10 399,159 39,916 48,443 3,992 4,844 484,431 48 Community Bank Zanesville 133 11 403,600 36,691 41,307 3,035 3,416 454,373 49 First Federal Community Bank, National Association Dover 73 7 384,910 54,987 63,307 5,273 6,071 443,151 50 First Federal Savings and Loan Association of Lorain Lorain 97 7 333,789 47,684 62,977 3,441 4,545 440,839
Source: S&P Global Market Intelligence 144 Ohio – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Spring Valley Bank Wyoming 80,312 8.02 11.50 1.61 15.30 148.88 0.00 6.45 2 Home National Bank Racine 70,364 7.12 1.75 0.80 5.41 78.55 2.41 5.25 3 RiverHills Bank Milford 175,041 6.26 6.98 0.72 6.16 84.36 4.18 5.11 4 Farmers and Merchants Bank Caldwell 111,934 6.21 (5.27) 0.39 (0.93) 80.50 2.27 4.87 5 United Midwest Savings Bank, National Association De Graff 281,455 8.51 12.32 2.23 8.15 84.87 2.88 4.84 6 First Bank of Ohio Tiffin 205,177 7.52 33.51 1.78 19.16 104.97 2.48 4.66 7 Home Loan Savings Bank Coshocton 220,181 5.59 4.88 0.97 11.80 107.01 2.26 4.64 8 Baltic State Bank Baltic 71,671 5.82 23.82 0.96 22.32 100.27 3.10 4.63 9 Pataskala Banking Company Pataskala 33,672 5.61 (1.43) 0.04 3.12 64.13 2.97 4.62 10 Fort Jennings State Bank Fort Jennings 192,448 5.59 4.41 0.79 10.46 89.44 3.27 4.53 11 Apple Creek Banking Company Apple Creek 143,397 5.44 6.86 0.37 10.69 81.50 2.27 4.50 12 Peoples State Bank New Lexington 134,175 5.45 10.65 0.42 4.21 89.82 2.10 4.49 13 Sherwood State Bank Sherwood 72,887 6.29 16.72 0.80 6.40 87.74 2.31 4.48 14 CenterBank Milford 218,639 5.93 27.79 1.33 22.57 105.08 3.01 4.47 15 Southern Hills Community Bank Leesburg 159,559 5.71 0.00 0.58 (1.04) 85.15 2.67 4.46 16 Farmers State Bank West Salem 122,769 5.30 (1.99) 0.32 3.96 76.26 2.79 4.39 17 Civista Bank Sandusky 2,261,665 5.33 9.08 0.61 3.99 100.16 3.73 4.36 18 Citizens Bank Company Beverly 227,954 5.13 9.52 0.50 7.17 88.59 3.85 4.35 19 Peoples National Bank of Mount Pleasant Mount Pleasant 72,397 5.47 12.54 0.47 (1.50) 86.53 2.25 4.34 20 Farmers & Merchants Bank Miamisburg 177,907 5.43 16.94 0.56 13.73 94.06 3.03 4.32 21 Ohio Valley Bank Company Gallipolis 1,030,492 5.57 (0.24) 0.73 0.48 89.32 2.45 4.28 22 First National Bank of Dennison Dennison 233,700 6.03 1.32 0.41 0.11 67.44 2.07 4.26 22 Buckeye Community Bank Lorain 174,133 5.65 0.96 0.85 3.02 92.20 2.08 4.26 24 Valley Central Bank Liberty Township 166,213 5.32 40.87 1.08 54.58 124.61 2.52 4.24 25 Republic Banking Company Republic 48,798 5.08 6.67 0.57 0.31 110.95 1.68 4.22 26 Waterford Commercial and Savings Bank Waterford 46,421 6.00 10.76 0.40 (3.70) 73.25 2.28 4.20 27 Croghan Colonial Bank Fremont 878,215 5.22 7.82 0.48 4.15 88.78 3.30 4.18 28 Peoples Savings Bank Urbana 120,796 5.43 0.01 1.16 1.78 117.93 2.69 4.15 28 Liberty Bank Ironton 52,171 5.41 (0.82) 0.42 (3.33) 78.47 4.91 4.15 28 Community Bank Zanesville 454,373 5.54 0.51 0.88 5.22 85.10 2.64 4.15 31 First National Bank of Bellevue Bellevue 241,533 5.51 2.37 1.07 10.04 88.18 3.24 4.14 32 Liberty National Bank Ada 342,492 5.55 6.75 0.88 3.94 91.82 2.55 4.13 33 Peoples Bank Gambier 57,348 5.50 1.24 0.61 4.12 81.84 2.11 4.12 33 Settlers Bank Marietta 126,685 5.11 (2.48) 0.55 1.76 88.15 2.38 4.12 35 First Financial Bank Cincinnati 14,409,494 5.70 2.56 0.83 2.96 89.71 3.65 4.10 36 Sutton Bank Attica 561,304 5.65 (6.32) 0.28 9.18 55.37 3.15 4.08 37 First National Bank of Blanchester Blanchester 61,755 5.22 0.64 0.23 0.46 71.74 2.05 4.07 38 North Valley Bank Zanesville 208,680 5.71 (0.81) 0.98 (3.19) 88.05 2.93 4.05 39 Commercial and Savings Bank of Millersburg, Ohio Millersburg 786,598 5.17 5.79 0.49 11.99 85.88 2.53 4.02 40 Community Savings Caldwell 51,232 5.12 10.24 0.51 0.40 91.94 2.62 4.01 41 Rockhold Bank Bainbridge 40,834 4.99 5.49 0.82 10.24 93.42 NA 4.00 41 First Federal Community Bank of Bucyrus Bucyrus 177,695 5.38 14.62 1.10 25.48 109.04 2.35 4.00 43 First Federal Bank of the Midwest Defiance 3,322,729 5.00 8.89 0.82 9.53 96.53 3.20 3.98 43 First Federal Community Bank, National Association Dover 443,151 5.15 15.75 0.93 9.99 94.16 3.23 3.98 43 First National Bank of Germantown Germantown 64,577 5.19 9.57 0.29 9.68 74.24 2.07 3.98 43 St. Henry Bank Saint Henry 298,959 5.12 0.11 0.53 0.58 86.29 2.82 3.98 47 Osgood State Bank Osgood 264,320 5.68 4.32 0.99 7.39 77.49 3.48 3.96 47 Merchants National Bank Hillsboro 933,250 5.00 34.14 0.79 33.18 100.09 2.58 3.96 49 Killbuck Savings Bank Company Killbuck 557,661 5.25 3.50 0.55 10.72 76.50 2.43 3.94 50 Farmers & Merchants State Bank Archbold 1,551,197 5.52 37.95 0.98 37.57 90.66 2.19 3.92 50 Heartland Bank Whitehall 1,136,393 5.30 10.16 0.88 12.06 89.85 3.36 3.92 50 Union Bank Company Columbus Grove 875,510 5.62 6.06 0.81 6.63 83.54 2.79 3.92 50 Twin Valley Bank West Alexandria 79,473 5.55 12.44 0.80 12.70 76.83 2.97 3.92
Source: S&P Global Market Intelligence 145 Ohio – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 FDS Bank Mason 107,514 627,445 0.00 0.00 0.00 0.00 965,707 774.70 2 Nationwide Trust Company, FSB Columbus 193,180 (8,608) 0.00 0.00 0.00 0.00 264,063 31.75 3 New Foundation Savings Bank Cincinnati 19,057 54 0.03 9.53 0.09 0.00 1,812 9.78 4 United Midwest Savings Bank, National Association De Graff 281,455 5,194 0.01 4.92 0.99 0.00 17,984 6.06 5 Sutton Bank Attica 561,304 15,588 0.13 0.02 0.04 0.00 14,945 2.81 6 1st National Bank Lebanon 195,595 921 0.32 1.59 0.21 0.00 4,980 2.64 7 First Federal Community Bank of Bucyrus Bucyrus 177,695 1,101 0.02 1.61 0.07 (0.01) 3,180 1.98 8 Warsaw Federal Savings and Loan Association Cincinnati 55,439 (794) 0.09 1.38 0.03 0.08 1,124 1.97 9 Fifth Third Bank Cincinnati 169,489,479 2,452,727 0.37 0.04 -0.17 0.00 2,935,160 1.91 10 Eagle Savings Bank Cincinnati 142,202 639 0.08 0.99 0.00 0.02 2,143 1.55 11 State Bank and Trust Company Defiance 1,036,941 12,540 0.24 0.82 -0.03 0.00 15,402 1.52 12 Peoples Bank Marietta 4,392,907 57,978 0.25 0.11 -0.01 0.00 62,009 1.50 13 Union Bank Company Columbus Grove 875,510 10,246 0.17 0.94 0.04 0.00 12,026 1.42 14 KeyBank National Association Cleveland 145,183,614 1,898,737 0.24 0.15 0.07 0.00 1,977,905 1.40 15 Cincinnati Federal (MHC) Cincinnati 221,536 704 0.18 0.93 0.07 0.05 2,638 1.29 16 Union Savings Bank Cincinnati 3,067,245 56,653 0.02 0.99 0.20 0.00 34,751 1.23 17 Huntington National Bank Columbus 108,790,427 1,599,516 0.32 0.12 -0.02 0.00 1,314,427 1.22 17 CFBank, National Association Worthington 785,014 9,375 0.06 1.11 0.00 0.00 8,358 1.22 19 National Cooperative Bank, N.A. Hillsboro 2,621,146 18,579 0.09 0.74 0.12 0.07 30,543 1.21 20 Park National Bank Newark 8,680,746 113,096 0.14 0.08 0.04 0.00 92,152 1.12 21 Guardian Savings Bank, F.S.B. West Chester 1,002,688 18,214 0.02 0.26 0.79 0.01 10,514 1.10 22 RiverHills Bank Milford 175,041 2,644 0.23 0.41 0.18 0.00 1,770 1.08 23 North Valley Bank Zanesville 208,680 1,763 0.15 0.41 0.11 0.01 2,176 1.04 24 Community Bank Zanesville 454,373 5,215 0.24 0.03 0.00 (0.01) 4,561 1.01 25 Civista Bank Sandusky 2,261,665 34,500 0.28 0.10 0.01 0.00 21,847 1.00 26 Farmers State Bank West Salem 122,769 811 0.27 0.05 0.07 0.00 1,183 0.98 27 Standing Stone Bank Lancaster 102,454 727 0.31 0.01 0.00 0.00 963 0.92 28 First Financial Bank Cincinnati 14,409,494 220,684 0.28 0.08 0.01 0.00 119,328 0.86 29 First Federal Bank of the Midwest Defiance 3,322,729 47,731 0.21 0.21 0.06 (0.01) 26,921 0.85 30 Valley Central Bank Liberty Township 166,213 290 0.05 0.40 0.03 0.01 1,044 0.83 30 Hometown Bank Kent 204,690 1,183 0.08 0.37 0.05 0.00 1,691 0.83 32 Home Savings Bank Youngstown 2,895,253 37,567 0.33 0.28 -0.02 0.00 22,867 0.81 32 Andover Bank Andover 427,903 3,786 0.35 0.03 0.02 0.00 3,291 0.81 34 Pataskala Banking Company Pataskala 33,672 123 0.30 0.00 0.00 0.00 265 0.80 34 Farmers National Bank of Canfield Canfield 2,411,225 33,514 0.21 0.14 0.00 0.00 18,575 0.80 36 Farmers & Merchants State Bank Archbold 1,551,197 16,218 0.31 0.05 0.10 (0.01) 10,998 0.79 37 Minster Bank Minster 509,545 6,843 0.10 0.00 0.00 0.00 3,849 0.78 37 LCNB National Bank Lebanon 1,641,770 19,374 0.12 0.02 0.01 0.00 12,798 0.78 37 Waterford Commercial and Savings Bank Waterford 46,421 458 0.27 0.00 0.00 0.00 358 0.78 37 Consumers National Bank Minerva 563,543 5,990 0.22 0.09 0.00 0.00 4,147 0.78 41 CenterBank Milford 218,639 2,694 0.05 0.53 0.06 0.00 1,427 0.75 41 Croghan Colonial Bank Fremont 878,215 11,620 0.24 0.08 0.01 0.00 6,280 0.75 43 Mechanics Bank Mansfield 554,766 4,269 0.18 0.00 0.00 0.00 3,971 0.74 44 Farmers Bank and Savings Company Pomeroy 335,080 2,986 0.30 0.00 0.00 (0.01) 2,428 0.73 44 First National Bank of Blanchester Blanchester 61,755 636 0.41 0.00 0.00 0.00 454 0.73 44 First State Bank Winchester 498,832 5,857 0.27 0.06 0.06 0.00 3,514 0.73 47 First Federal Savings and Loan Association of Lakewood Lakewood 1,918,795 4,484 0.06 0.24 0.08 0.00 13,942 0.72 47 Greenville Federal (MHC) Greenville 186,200 662 0.15 0.11 0.09 (0.01) 1,296 0.72 49 Ohio Valley Bank Company Gallipolis 1,030,492 9,311 0.19 0.02 0.02 (0.06) 7,248 0.71 50 Commercial and Savings Bank of Millersburg, Ohio Millersburg 786,598 10,594 0.17 0.05 0.02 0.00 5,243 0.70 50 New Carlisle Federal Savings Bank New Carlisle 130,314 913 0.14 0.29 0.03 0.00 845 0.70
Source: S&P Global Market Intelligence 146 Ohio – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Perpetual Federal Savings Bank Urbana 391,660 34.72 21 1 0.52 0.05 0.46 1.04 2 Third Federal Savings and Loan Association of Cleveland (MHC) Cleveland 14,495,068 66.19 1,070 37 0.69 0.18 0.38 1.26 3 Farmers Savings Bank Spencer 288,040 46.11 30 2 0.83 0.12 0.57 1.53 4 Peoples Bank Co. Coldwater 563,551 40.92 76 7 0.89 0.10 0.54 1.53 5 Union Banking Company West Mansfield 57,562 51.37 9 2 0.89 0.26 0.39 1.55 6 Corn City State Bank Deshler 66,416 55.99 8 1 0.63 0.15 0.83 1.61 7 First National Bank in New Bremen New Bremen 298,293 51.95 37 6 0.88 0.13 0.63 1.64 8 Guardian Savings Bank, F.S.B. West Chester 1,002,688 46.89 160 11 0.94 0.20 0.54 1.68 9 St. Henry Bank Saint Henry 298,959 40.32 27 3 1.02 0.13 0.54 1.69 10 Edon State Bank Company of Edon, Ohio Edon 59,935 64.42 9 1 1.06 0.10 0.58 1.74 11 Spring Valley Bank Wyoming 80,312 26.85 9 1 1.29 0.10 0.36 1.74 12 Hamler State Bank Hamler 85,020 55.54 8 1 0.93 0.19 0.74 1.86 13 Signature Bank, National Association Toledo 958,188 50.07 118 1 1.26 0.22 0.39 1.87 14 Nelsonville Home & Savings Bank Nelsonville 30,689 58.47 5 1 1.06 0.14 0.67 1.87 15 Home Federal Savings and Loan Association of Niles Ohio Niles 95,190 81.59 11 1 0.94 0.09 0.86 1.89 16 Union Savings Bank Cincinnati 3,067,245 49.14 519 35 1.22 0.33 0.41 1.95 17 Ottoville Bank Company Ottoville 78,369 53.19 10 1 1.13 0.06 0.80 1.98 18 Citizens National Bank of Woodsfield Woodsfield 141,149 67.48 27 4 0.89 0.20 0.92 2.01 19 North Side Bank and Trust Company Cincinnati 715,202 52.25 108 9 1.17 0.32 0.54 2.03 20 Home Savings and Loan Company of Kenton, Ohio Kenton 129,098 63.88 16 1 0.91 0.14 1.04 2.08 21 First Bank of Ohio Tiffin 205,177 44.35 46 5 1.01 0.24 0.90 2.15 22 Wayne Savings Community Bank Wooster 494,425 54.85 94 11 1.20 0.32 0.64 2.16 23 National Bank of Adams County of West Union West Union 82,080 57.48 16 1 1.12 0.14 0.90 2.16 24 Belmont Savings Bank Bellaire 376,614 75.54 58 4 1.03 0.28 0.86 2.18 25 First Financial Bank Cincinnati 14,409,494 48.99 2,064 151 1.42 0.28 0.49 2.20 26 Van Wert Federal Savings Bank Van Wert 116,375 81.19 16 1 1.21 0.17 0.85 2.22 27 Old Fort Banking Company Old Fort 561,540 57.28 101 10 1.46 0.21 0.56 2.22 28 Miami Savings Bank Miamitown 128,479 61.70 21 3 1.33 0.23 0.67 2.23 29 First Federal Community Bank, National Association Dover 443,151 52.54 73 7 1.30 0.21 0.74 2.25 30 Independence Bank Independence 169,863 64.23 23 1 1.56 0.12 0.58 2.26 31 Republic Banking Company Republic 48,798 53.11 6 1 0.93 0.14 1.20 2.26 32 Settlers Bank Marietta 126,685 53.65 23 1 1.21 0.20 0.86 2.27 33 Home Savings Bank Youngstown 2,895,253 57.59 489 34 1.30 0.27 0.71 2.28 34 Middlefield Banking Company Middlefield 1,280,288 58.04 199 15 1.31 0.23 0.75 2.29 35 Unified Bank Martins Ferry 674,725 54.24 125 20 1.20 0.36 0.73 2.29 36 Greenville National Bank Greenville 484,431 57.33 100 10 1.27 0.23 0.79 2.29 37 Huntington National Bank Columbus 108,790,427 52.06 14,798 904 1.40 0.30 0.61 2.31 38 First Central National Bank of Saint Paris Saint Paris 93,195 70.34 21 3 1.19 0.10 1.02 2.31 39 Westfield Bank, FSB Westfield Center 1,493,768 66.09 179 7 1.37 0.22 0.76 2.34 40 Minster Bank Minster 509,545 57.23 87 7 1.40 0.21 0.74 2.35 41 KeyBank National Association Cleveland 145,183,614 54.51 16,534 1,123 1.35 0.26 0.75 2.35 42 Geauga Savings Bank Newbury 274,832 70.70 49 2 1.42 0.17 0.77 2.36 43 Killbuck Savings Bank Company Killbuck 557,661 55.95 129 11 1.36 0.29 0.71 2.37 44 Wilmington Savings Bank Wilmington 161,857 76.01 24 2 1.25 0.11 1.01 2.37 45 Kingston National Bank Kingston 376,019 68.92 67 6 1.34 0.18 0.87 2.38 46 First National Bank of Sycamore Sycamore 152,334 71.61 28 3 1.17 0.26 0.96 2.39 47 Citizens National Bank of Bluffton Bluffton 868,653 53.03 156 12 1.37 0.31 0.72 2.40 48 Versailles Savings and Loan Company Versailles 54,847 66.96 9 1 1.22 0.13 1.04 2.40 49 Covington Savings and Loan Association Covington 70,788 71.01 20 3 1.16 0.24 1.01 2.41 50 First Federal Savings and Loan Association of Van Wert Van Wert 113,418 75.68 19 1 1.42 0.18 0.82 2.42
Source: S&P Global Market Intelligence 147 Ohio – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Edon State Bank Company of Edon, Ohio Edon 59,935 19,171 1.46 0.00 0.00 0.00 0.00 0.00 2 First City Bank Columbus 64,192 56,488 1.38 0.00 0.00 0.00 0.00 0.00 3 Consumers National Bank Minerva 563,543 386,256 1.01 0.00 0.00 0.23 (0.23) 0.01 4 Peoples Savings and Loan Company West Liberty 50,303 42,743 1.80 0.07 0.00 0.00 (0.02) 0.05 5 Signature Bank, National Association Toledo 958,188 762,391 1.15 0.03 0.00 0.04 0.00 0.07 6 CBank Cincinnati 188,446 160,866 1.14 0.13 0.00 0.00 0.03 0.16 7 St. Henry Bank Saint Henry 298,959 207,217 1.18 0.16 0.00 0.00 0.01 0.17 8 Citizens Bank Company Beverly 227,954 168,954 2.24 0.03 0.00 0.11 0.03 0.17 9 Genoa Banking Company Genoa 392,286 305,630 0.87 0.02 0.00 0.09 0.06 0.17 10 CenterBank Milford 218,639 196,492 1.24 0.14 0.00 0.01 0.04 0.19 11 Community Savings Bank Bethel 82,860 64,985 0.39 0.15 0.00 0.11 (0.04) 0.22 12 Hamler State Bank Hamler 85,020 57,416 0.92 0.18 0.00 0.06 (0.01) 0.23 13 Brookville Building and Savings Association Brookville 45,010 30,956 1.07 0.00 0.04 0.21 0.00 0.25 14 Versailles Savings and Loan Company Versailles 54,847 42,170 0.60 0.26 0.00 0.00 0.00 0.26 15 Ottoville Bank Company Ottoville 78,369 46,363 1.76 0.20 0.00 0.00 0.06 0.26 16 Osgood State Bank Osgood 264,320 178,843 1.44 0.00 0.00 0.29 (0.01) 0.28 17 North Side Bank and Trust Company Cincinnati 715,202 516,827 1.07 0.07 0.09 0.11 0.02 0.29 18 Apple Creek Banking Company Apple Creek 143,397 106,372 0.67 0.18 0.00 0.11 0.00 0.30 19 Mt. Victory State Bank Mount Victory 18,137 6,890 1.48 0.13 0.00 0.00 0.17 0.30 20 Peoples First Savings Bank Mason 71,202 55,918 0.98 0.25 0.00 0.00 0.06 0.31 21 RiverHills Bank Milford 175,041 124,680 1.67 0.18 0.00 0.12 0.01 0.31 22 Marblehead Bank Marblehead 50,158 19,998 0.98 0.00 0.00 0.36 0.00 0.36 23 Killbuck Savings Bank Company Killbuck 557,661 369,565 0.91 0.18 0.03 0.04 0.11 0.36 24 Community First Bank, National Association Forest 48,826 31,105 0.57 0.36 0.00 0.00 0.00 0.36 25 Greenville Federal (MHC) Greenville 186,200 157,646 0.61 0.07 0.04 0.24 0.02 0.37 26 North Valley Bank Zanesville 208,680 151,801 1.10 0.00 0.00 0.46 (0.08) 0.38 27 Baltic State Bank Baltic 71,671 64,257 0.61 0.29 0.00 0.03 0.07 0.39 28 Buckeye Community Bank Lorain 174,133 136,621 1.53 0.08 0.00 0.38 (0.03) 0.43 29 Old Fort Banking Company Old Fort 561,540 340,797 1.18 0.09 0.00 0.37 0.01 0.47 30 First Federal Community Bank, National Association Dover 443,151 362,434 1.01 0.08 0.00 0.38 0.02 0.47 31 Home Savings Bank of Wapakoneta Wapakoneta 37,272 29,017 0.65 0.48 0.00 0.00 0.00 0.48 32 First Federal Savings and Loan Association of Lakewood Lakewood 1,918,795 1,661,190 0.42 0.09 0.00 0.41 (0.01) 0.48 33 Bank of Magnolia Company Magnolia 81,607 38,493 1.43 0.01 0.00 0.58 (0.07) 0.52 34 Heartland Bank Whitehall 1,136,393 884,143 0.97 0.12 0.11 0.26 0.03 0.53 35 Peoples Bank Co. Coldwater 563,551 293,772 0.97 0.47 0.04 0.01 0.01 0.54 36 Valley Central Bank Liberty Township 166,213 138,481 0.65 0.00 0.08 0.49 (0.01) 0.56 37 Equitable Savings and Loan Company Cadiz 13,284 8,218 0.61 0.00 0.57 0.00 0.00 0.57 38 New Foundation Savings Bank Cincinnati 19,057 15,624 0.45 0.22 0.00 0.43 (0.06) 0.59 39 First Federal Savings and Loan Association of Van Wert Van Wert 113,418 59,652 0.27 0.41 0.19 0.00 (0.01) 0.59 40 Civista Bank Sandusky 2,261,665 1,657,623 0.85 0.08 0.00 0.56 (0.02) 0.62 41 Peoples Bank Gambier 57,348 40,238 0.77 0.49 0.01 0.00 0.12 0.62 42 Farmers & Merchants State Bank Archbold 1,551,197 1,160,747 0.58 0.21 0.00 0.40 0.05 0.66 43 Union Bank Company Columbus Grove 875,510 590,979 0.67 0.20 0.00 0.48 (0.02) 0.67 44 Kingston National Bank Kingston 376,019 254,846 1.01 0.49 0.00 0.17 0.01 0.68 45 Van Wert Federal Savings Bank Van Wert 116,375 68,012 0.33 0.44 0.20 0.07 (0.02) 0.68 46 State Bank and Trust Company Defiance 1,036,941 837,303 1.01 0.09 0.00 0.55 0.06 0.69 47 Minster Bank Minster 509,545 242,832 1.18 0.35 0.00 0.37 0.02 0.73 48 Union Savings Bank Cincinnati 3,067,245 2,636,173 1.10 0.06 0.00 0.76 (0.05) 0.77 49 First Federal Savings and Loan Association of Centerburg Centerburg 23,735 16,111 0.86 0.25 0.00 0.54 0.01 0.80 50 Pioneer Savings Bank Cleveland 39,066 19,919 0.69 0.90 0.00 0.00 (0.09) 0.81
Source: S&P Global Market Intelligence 148 Ohio – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Sutton Bank Attica 561,304 15,588 100 156 9,854 9,304 2.21 21.09 2 United Midwest Savings Bank, National Association De Graff 281,455 5,194 116 45 3,088 3,558 1.75 17.46 3 First Federal Community Bank, National Association Dover 443,151 6,151 73 84 4,807 3,600 1.55 17.04 4 Minster Bank Minster 509,545 6,843 87 79 5,401 4,973 1.39 16.09 5 Old Fort Banking Company Old Fort 561,540 9,076 101 90 7,985 6,674 1.25 16.02 6 Peoples Bank Co. Coldwater 563,551 9,195 76 121 7,359 6,053 1.73 16.00 7 Citizens National Bank of Bluffton Bluffton 868,653 17,161 156 110 15,686 15,009 1.52 15.55 8 RiverHills Bank Milford 175,041 2,644 55 48 2,147 1,781 1.62 15.09 9 Unified Bank Martins Ferry 674,725 8,925 125 71 6,387 4,931 1.46 14.92 10 Home Loan Savings Bank Coshocton 220,181 3,777 45 84 3,428 3,057 1.78 14.80 11 Park National Bank Newark 8,680,746 113,096 1,898 60 107,767 79,084 1.38 14.57 12 CFBank, National Association Worthington 785,014 9,375 122 77 3,663 2,574 1.37 14.47 13 Wayne Savings Community Bank Wooster 494,425 6,365 94 68 4,853 3,016 1.33 13.92 14 Huntington National Bank Columbus 108,790,427 1,599,516 14,798 108 1,637,559 1,102,763 1.49 13.72 15 CenterBank Milford 218,639 2,694 40 67 2,331 1,821 1.42 13.65 16 Commercial and Savings Bank of Millersburg, Ohio Millersburg 786,598 10,594 175 61 8,950 7,508 1.42 13.61 17 Union Savings Bank Cincinnati 3,067,245 56,653 519 109 59,141 65,368 1.51 13.61 18 Signature Bank, National Association Toledo 958,188 13,111 118 111 10,391 8,537 1.42 13.55 19 Home Savings Bank Youngstown 2,895,253 37,567 489 77 30,591 22,883 1.33 13.18 20 Farmers National Bank of Canfield Canfield 2,411,225 33,514 411 82 28,096 22,153 1.44 13.17 21 JPMorgan Chase Bank, National Association Columbus 2,367,127,000 29,522,000 201,697 146 23,327,000 21,367,000 1.28 12.86 22 Waterford Bank, N.A. Toledo 795,528 10,118 77 131 8,310 6,867 1.34 12.83 23 Cortland Savings and Banking Company Cortland 697,356 8,280 159 52 7,325 5,743 1.20 12.82 24 Consumers National Bank Minerva 563,543 5,990 141 42 4,468 3,127 1.13 12.69 25 Fifth Third Bank Cincinnati 169,489,479 2,452,727 19,454 126 2,401,423 2,075,923 1.60 12.61 26 Farmers & Merchants Bank Miamisburg 177,907 2,032 29 70 1,812 1,399 1.25 12.60 27 Killbuck Savings Bank Company Killbuck 557,661 7,658 129 59 6,729 5,188 1.43 12.56 28 Apple Creek Banking Company Apple Creek 143,397 1,395 45 31 1,103 810 1.01 12.46 29 Greenville National Bank Greenville 484,431 5,986 100 60 4,888 4,465 1.29 12.28 30 St. Henry Bank Saint Henry 298,959 7,203 27 267 6,983 6,604 1.82 12.02 31 Community Bank Zanesville 454,373 5,215 133 39 4,105 2,755 1.15 12.01 32 First State Bank Winchester 498,832 5,857 125 47 4,759 4,261 1.22 11.99 33 North Side Bank and Trust Company Cincinnati 715,202 10,171 108 94 7,672 6,063 1.51 11.97 34 KeyBank National Association Cleveland 145,183,614 1,898,737 16,534 115 1,779,132 1,408,882 1.35 11.89 35 First National Bank of Bellevue Bellevue 241,533 2,793 59 47 2,248 2,314 1.22 11.88 36 SSB Community Bank Strasburg 103,516 1,168 24 49 941 930 0.92 11.81 37 First Federal Bank of the Midwest Defiance 3,322,729 47,731 596 80 40,994 28,579 1.50 11.80 38 Heartland Bank Whitehall 1,136,393 13,420 216 62 10,783 9,305 1.25 11.78 39 Middlefield Banking Company Middlefield 1,280,288 15,425 199 78 13,038 10,386 1.29 11.74 40 Guardian Savings Bank, F.S.B. West Chester 1,002,688 18,214 160 114 18,643 17,631 1.43 11.74 41 Merchants National Bank Hillsboro 933,250 9,093 176 52 9,086 7,882 1.10 11.47 42 Civista Bank Sandusky 2,261,665 34,500 456 76 21,294 17,153 1.57 11.43 43 Citizens National Bank of Woodsfield Woodsfield 141,149 973 27 36 752 573 0.73 11.26 44 First National Bank in New Bremen New Bremen 298,293 4,339 37 117 3,691 3,485 1.12 11.01 45 Peoples Bank Marietta 4,392,907 57,978 910 64 44,480 38,041 1.40 10.97 45 Settlers Bank Marietta 126,685 1,776 23 77 1,657 1,419 1.44 10.97 47 Osgood State Bank Osgood 264,320 2,786 51 55 2,296 1,608 1.09 10.42 48 First National Bank of Germantown Germantown 64,577 546 14 39 (5) 160 0.87 10.41 49 First Financial Bank Cincinnati 14,409,494 220,684 2,064 107 159,883 105,010 1.58 10.38 50 First National Bank of Dennison Dennison 233,700 2,263 64 35 1,687 1,546 0.98 10.28
Source: S&P Global Market Intelligence 149 Ohio – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 First Federal Community Bank, National Association Dover 443,151 43 84 29 30 3 37.8 2 St. Henry Bank Saint Henry 298,959 43 102 9 7 30 38.2 3 CenterBank Milford 218,639 14 42 125 10 15 41.2 4 First Financial Bank Cincinnati 14,409,494 35 29 25 80 49 43.6 4 RiverHills Bank Milford 175,041 3 23 163 21 8 43.6 6 Civista Bank Sandusky 2,261,665 17 26 102 40 42 45.4 7 Killbuck Savings Bank Company Killbuck 557,661 49 87 43 23 27 45.8 8 Citizens National Bank of Bluffton Bluffton 868,653 58 53 47 66 7 46.2 9 Unified Bank Martins Ferry 674,725 79 60 35 52 9 47.0 10 Old Fort Banking Company Old Fort 561,540 115 60 27 29 5 47.2 10 Commercial and Savings Bank of Millersburg, Ohio Millersburg 786,598 39 51 57 73 16 47.2 12 First Federal Bank of the Midwest Defiance 3,322,729 43 30 58 76 37 48.8 13 Minster Bank Minster 509,545 117 38 40 47 4 49.2 14 Farmers National Bank of Canfield Canfield 2,411,225 81 35 51 63 20 50.0 15 Peoples Bank Co. Coldwater 563,551 140 69 4 35 6 50.8 16 Heartland Bank Whitehall 1,136,393 50 76 59 34 38 51.4 17 Union Savings Bank Cincinnati 3,067,245 162 17 16 48 17 52.0 18 Consumers National Bank Minerva 563,543 102 38 94 3 24 52.2 19 Citizens Bank Company Beverly 227,954 18 95 79 8 66 53.2 20 North Side Bank and Trust Company Cincinnati 715,202 106 93 19 17 33 53.6 21 Croghan Colonial Bank Fremont 878,215 27 42 97 56 52 54.8 22 Farmers & Merchants State Bank Archbold 1,551,197 50 37 89 42 59 55.4 22 Osgood State Bank Osgood 264,320 47 76 91 16 47 55.4 24 Signature Bank, National Association Toledo 958,188 94 152 13 5 18 56.4 25 Wayne Savings Community Bank Wooster 494,425 101 92 22 58 13 57.2 26 Home Savings Bank Youngstown 2,895,253 125 33 33 82 19 58.4 27 CFBank, National Association Worthington 785,014 134 18 74 57 12 59.0 28 Park National Bank Newark 8,680,746 64 21 85 116 11 59.4 29 Apple Creek Banking Company Apple Creek 143,397 11 120 123 18 28 60.0 30 Home Loan Savings Bank Coshocton 220,181 7 73 52 159 10 60.2 31 Union Bank Company Columbus Grove 875,510 50 14 141 43 55 60.6 32 Huntington National Bank Columbus 108,790,427 112 18 37 131 14 62.4 32 LCNB National Bank Lebanon 1,641,770 91 38 61 55 67 62.4 34 Waterford Bank, N.A. Toledo 795,528 72 80 54 88 22 63.2 35 Cortland Savings and Banking Company Cortland 697,356 66 55 69 104 23 63.4 36 Sutton Bank Attica 561,304 36 5 134 143 1 63.8 37 Farmers & Merchants Bank Miamisburg 177,907 20 66 111 98 26 64.2 38 State Bank and Trust Company Defiance 1,036,941 66 12 142 46 56 64.4 38 Buckeye Community Bank Lorain 174,133 22 115 100 28 57 64.4 40 North Valley Bank Zanesville 208,680 38 24 159 26 77 64.8 41 First State Bank Winchester 498,832 94 45 77 81 32 65.8 42 Guardian Savings Bank, F.S.B. West Chester 1,002,688 169 22 8 91 40 66.0 43 Peoples Bank Marietta 4,392,907 74 13 113 86 45 66.2 44 Greenville National Bank Greenville 484,431 81 93 36 94 29 66.6 45 Merchants National Bank Hillsboro 933,250 47 80 84 83 41 67.0 45 Fifth Third Bank Cincinnati 169,489,479 109 10 78 113 25 67.0 47 Community Bank Zanesville 454,373 28 25 133 124 31 68.2 47 Ottoville Bank Company Ottoville 78,369 85 119 17 15 105 68.2 49 KeyBank National Association Cleveland 145,183,614 143 15 41 109 34 68.4 50 First Bank of Ohio Tiffin 205,177 6 98 21 90 129 68.8
Source: S&P Global Market Intelligence 150 Rank The Banks Oklahoma – 2019 Q3 Oklahoma – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1st Bank & Trust Broken Bow Southeastern Bancshares, Inc. 5/6/1946 4 42 Yes 156,919 2.14 19.65 1st Bank in Hominy Hominy 2/10/1906 1 14 Yes 40,314 0.61 6.91 ACB Bank Cherokee Alfalfa County Bancshares, Inc. 1/29/1908 3 21 Yes 129,988 0.80 8.63 All America Bank Oklahoma City 12/22/1969 7 108 Yes 453,035 1.25 12.33 AllNations Bank Calumet AllNations Bancorporation, Inc. 1/1/1901 2 11 No 44,991 (1.42) (11.37) Alva State Bank & Trust Company Alva Grace Investment Company, Inc. 9/7/1901 5 47 Yes 405,622 0.68 5.18 American Bank Wagoner 0 4/23/1923 1 11 No 29,009 0.59 2.65 American Bank and Trust Company Tulsa 0 11/5/1971 2 41 No 228,063 1.12 10.22 American Bank of Oklahoma Collinsville AmeriBank Holding Company 4/1/1998 6 99 No 316,346 0.89 10.22 American Exchange Bank Henryetta 0 1/1/1933 2 22 Yes 67,890 0.72 6.22 American Exchange Bank, Lindsay, Oklahoma Lindsay Griffith Family Financial Holdings, L.L.C. 6/6/1924 1 15 No 74,613 0.95 8.99 American Heritage Bank Sapulpa American Bancorporation, Inc. 6/15/1905 23 275 Yes 1,123,976 0.79 8.68 American Nation Bank Ardmore Amcorp Financial, Inc. 5/2/1983 9 94 Yes 441,283 0.90 8.91 AmeriState Bank Atoka Atoka State Bancorporation, Inc. 8/6/1906 5 78 Yes 277,613 0.56 6.41 Anchor D Bank Texhoma Texhoma Bancshares, Inc. 2/22/1906 3 47 Yes 230,107 0.97 8.87 Armstrong Bank Muskogee Ironhorse Financial Group, Inc. 1/1/1909 21 264 No 1,025,443 1.45 12.43 AVB Bank Broken Arrow Arkansas Valley Bancshares, Inc. 2/16/1905 4 84 No 384,655 0.70 6.60 BancCentral, National Association Alva Myers BancShares, Inc. 8/11/1913 5 68 Yes 524,816 0.35 4.03 BancFirst Oklahoma City BancFirst Corporation 4/1/1989 114 1,838 No 7,553,761 1.67 15.53 Bank of Beaver City Beaver Beaver Bancorp, Inc. 1/1/1902 3 25 Yes 128,462 0.67 6.39 Bank of Cherokee County Hulbert Grandview Bankshares, Inc. 1/1/1907 3 40 No 116,578 0.51 5.90 Bank of Commerce Chelsea Commerce Bancshares, Inc. 3/23/1896 6 65 No 148,359 1.04 7.91 Bank of Commerce Stilwell Peoples Commercial Bancorp, Inc. 1/1/1931 2 25 Yes 81,297 1.50 11.54 Bank of Commerce Chouteau BOC Banshares, Inc. 7/1/1968 1 14 Yes 38,184 0.74 8.48 Bank of Commerce Duncan Commerce Bancorp, Inc. 12/16/2002 5 57 Yes 309,564 1.02 8.66 Bank of Cordell Cordell Rocky Financial Corporation 5/29/1902 1 10 Yes 37,431 1.70 16.33 Bank of Cushing Cushing N.B.C. Bancshares in Pawhuska, Inc. 1/1/1897 2 20 No 116,014 0.99 4.64 Bank of Eufaula Eufaula SNB Bancshares, Inc. 3/7/1911 2 22 No 94,558 0.00 (0.01) Bank of Grand Lake Grove Townsend Holding Company 6/9/2005 2 37 Yes 183,113 0.81 10.40 Bank of Hydro Hydro Hydro Bancshares, Inc. 10/1/1903 3 21 Yes 121,032 2.06 18.29 Bank of Kremlin Kremlin Kremlin Bancshares, Inc. 5/1/1900 6 53 Yes 298,255 1.37 12.78 Bank of Laverne Laverne Laverne Bancshares, Inc. 1/1/1921 1 15 No 57,056 1.15 6.99 Bank of Locust Grove Locust Grove First Pryor Bancorp, Inc. 6/6/1949 2 18 No 40,112 1.65 12.52 Bank of the Panhandle Guymon Panhandle Bancshares, Inc. 10/12/1976 1 29 Yes 163,923 1.34 10.63 Bank of the West Thomas BancWest, Inc. 10/22/1984 4 31 Yes 144,819 1.84 14.39 Bank of Vici Vici Vici Bancorporation 10/22/1902 1 12 Yes 34,883 0.82 6.59 Bank of Western Oklahoma Elk City Western Oklahoma Bancshares, Inc. 4/1/1908 6 84 Yes 312,095 1.55 18.33 Bank of Wyandotte Wyandotte United Capital Bancshares, Inc. 5/29/1905 1 6 Yes 12,787 0.23 2.72 Bank, National Association McAlester NBM Corporation 5/17/1927 5 87 Yes 377,369 1.19 11.29 Bank7 Oklahoma City Bank7 Corp. 5/6/1901 8 77 No 825,348 1.19 10.06 Blue Sky Bank Pawhuska N.B.C. Bancshares in Pawhuska, Inc. 11/23/1905 4 41 Yes 234,788 1.25 10.99 BOKF, National Association Tulsa BOK Financial Corporation 2/10/1910 133 4,799 No 43,031,921 1.26 12.43 Central Bank of Oklahoma Tulsa Central Bancompany, Inc. 1/20/2000 10 84 No 692,643 1.52 8.05 Central National Bank of Poteau Poteau Central Bancshares of Poteau, Inc. 3/7/1901 6 79 Yes 248,181 1.35 12.75 Chickasaw Community Bank Oklahoma City Chickasaw Banc Holding Company 1/1/1903 1 92 No 202,055 1.03 10.17 Citizens Bank & Trust Company of Ardmore Ardmore Citizens Commerce Corporation 9/18/1978 4 50 Yes 219,339 0.88 9.34 Citizens Bank of Ada Ada CitizensAda Financial Corporation 2/20/1967 4 75 Yes 188,605 0.77 7.48 Citizens Bank of Edmond Edmond Citizens Bancshares, Inc. 4/18/1901 2 55 Yes 298,898 0.84 9.68 Citizens State Bank Okemah Citizens Bankshares, Inc. 2/8/1908 2 25 Yes 56,401 (3.28) (17.03) City National Bank and Trust Co. of Lawton, Oklahoma Lawton JRMB II Inc. 3/23/1901 41 430 Yes 365,662 1.70 13.24
Source: S&P Global Market Intelligence 152 Oklahoma – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Cleo State Bank Cleo Springs Cleo Bancshares, Inc. 10/25/1900 4 15 Yes 86,917 0.43 2.49 Community Bank Alva Community Bancshares of Alva, Inc. 7/16/1984 1 15 Yes 107,191 0.93 7.88 Community Bank Bristow Sooner Southwest Bankshares, Inc. 3/17/1924 2 26 No 88,152 2.10 23.80 Community Bank of Oklahoma Verden 8/1/1907 3 16 Yes 40,999 0.92 7.05 Community National Bank of Okarche Okarche Northwest Sooner Bancshares, Inc. 5/18/1984 2 15 Yes 116,267 1.35 10.34 Community State Bank Poteau First Poteau Corporation 10/19/1970 7 101 Yes 270,659 0.94 10.27 Community State Bank Hennessey Warrior Bank Corporation, Inc. 3/25/1988 3 18 Yes 68,741 1.01 15.55 Community State Bank of Canton Canton Canton Bancshares, Inc. 10/11/1985 1 17 No 47,960 1.13 10.26 COREBANK Waynoka 7/20/1959 1 13 No 62,647 (0.08) (0.49) Cornerstone Bank Watonga Watonga Bancshares, Inc. 1/28/1928 3 44 No 211,425 0.81 11.10 Exchange Bank Skiatook Skiatook Bancshares, Inc. 6/1/1930 3 32 No 104,685 0.99 8.84 Exchange Bank and Trust Company Perry Perry Bancshares, Inc. 2/20/1896 4 73 Yes 294,009 0.48 4.31 F&M Bank Edmond F&M Bancshares, Inc. 8/25/1902 8 107 Yes 479,730 1.33 13.92 Fairview Savings and Loan Association Fairview 1/1/1909 1 8 No 46,316 1.46 7.89 Farmers & Merchants Bank Duke 5/2/1910 1 4 Yes 18,253 0.59 5.43 Farmers and Merchants Bank Arnett 12/28/1908 1 8 Yes 52,327 0.90 6.89 Farmers and Merchants Bank Maysville H. Pat Henson Company 1/1/1907 1 6 Yes 19,018 1.68 20.33 Farmers and Merchants National Bank of Fairview Fairview Fairview Bancshares, Inc. 1/1/1907 1 18 Yes 113,656 1.28 10.83 Farmers Bank Carnegie Farmers Bancapital Corporation 11/1/1905 2 15 Yes 90,723 (4.43) (63.21) Farmers State Bank Quinton F.S.B. Properties, Inc. 4/7/1908 4 35 Yes 116,161 0.63 7.84 Farmers State Bank, Allen, Oklahoma Allen 9/8/1922 2 11 Yes 41,577 1.19 9.47 First American Bank Stonewall 7/4/1940 1 10 Yes 31,316 1.08 9.11 First Bank Erick Erick Bancshares, Inc. 12/12/1902 4 21 Yes 72,031 1.84 15.25 First Bank & Trust Co. Duncan 12/9/1988 10 160 Yes 563,218 1.53 10.35 First Bank & Trust Company Perry FNBT Bancshares, Perry, OK, Inc. 2/24/1934 3 41 Yes 146,483 1.61 12.08 First Bank and Trust Company Clinton Clinton Bancshares, Inc. 1/1/1903 1 17 Yes 54,322 0.49 3.90 First Bank of Okarche Okarche 10/28/1892 1 8 Yes 110,727 1.62 14.04 First Bank of Owasso Owasso 9/8/1962 3 67 Yes 432,159 1.69 16.04 First Bank of Thomas Thomas First Thomas Ban Corp. 8/22/1902 1 7 Yes 46,130 1.15 7.92 First Bethany Bank & Trust Bethany First Bethany Bancorp, Inc. 1/1/1903 3 36 Yes 223,913 0.83 9.05 First Enterprise Bank Oklahoma City 5/1/1907 6 54 Yes 155,963 1.48 11.57 First Farmers National Bank of Waurika Waurika 3/26/1906 1 13 Yes 44,130 0.89 4.42 First Fidelity Bank Oklahoma City First Fidelity Bancorp, Inc. 1/1/1920 29 331 Yes 1,770,636 0.89 9.23 First Liberty Bank Oklahoma City First Liberty Holdings, LLC 12/12/1933 2 62 No 440,146 0.74 8.31 First National Bank Heavener Sooner Southwest Bankshares, Inc. 1/1/1910 3 37 No 84,237 1.15 12.55 First National Bank & Trust Company of McAlester McAlester First of McAlester Corporation 12/12/1896 6 84 Yes 469,305 1.22 10.22 First National Bank & Trust of Elk City Elk City Western Oklahoma Financial Services, Inc. 3/21/1901 3 44 Yes 305,330 1.41 12.65 First National Bank and Trust Co., Chickasha, Oklahoma Chickasha First Independent Bancorp, Inc. 8/21/1892 11 167 No 659,231 1.95 14.98 First National Bank and Trust Company Shawnee 10/29/1984 6 58 No 252,918 0.41 2.82 First National Bank and Trust Company of Ardmore Ardmore First National Corporation of Ardmore, Inc. 1/1/1889 11 146 Yes 558,886 0.92 9.32 First National Bank and Trust Company of Broken Arrow Broken Arrow First Broken Arrow Corporation 1/1/1902 3 45 No 185,470 1.41 12.75 First National Bank and Trust Company of Miami Miami First Miami Bancshares, Inc. 2/18/1900 3 37 No 131,861 1.09 12.14 First National Bank and Trust Company of Okmulgee Okmulgee First Okmulgee Corporation 4/2/1917 4 67 Yes 266,411 1.14 9.39 First National Bank and Trust Company of Vinita Vinita Craco, Inc. 3/15/1892 4 91 Yes 442,097 0.74 8.90 First National Bank and Trust Company of Weatherford Weatherford First National Bancshares of Weatherford, Inc. 10/26/1964 6 58 Yes 259,602 1.45 11.35 First National Bank in Marlow Marlow Leader First Bancorp, Inc. 1/24/1985 3 29 Yes 57,344 0.50 5.15 First National Bank in Okeene Okeene Grace Investment Company, Inc. 10/27/1916 1 11 Yes 84,943 1.44 8.60 First National Bank of Fletcher Fletcher Griffith Family Financial Holdings, L.L.C. 1/1/1901 1 9 No 19,506 0.51 4.27 First National Bank of Hooker Hooker Hooker National Bancshares, Inc. 6/23/1914 1 18 No 74,362 0.84 5.75 First National Bank of Lindsay Lindsay First Lindsay Corporation 4/2/1902 1 9 No 64,829 1.30 10.92
Source: S&P Global Market Intelligence 153 Oklahoma – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First National Bank of Oklahoma Oklahoma City First Bancorp of Oklahoma, Inc. 1/1/1917 4 64 Yes 546,205 1.17 14.63 First National Bank of Pawnee Pawnee George Madison Corporation 2/8/1894 2 19 Yes 58,198 0.50 3.50 First National Bank of Stigler Stigler Stigler Bancorporation, Inc. 4/19/1904 1 24 Yes 113,293 1.35 17.54 First Oklahoma Bank Jenks First Oklahoma Holdings, Inc. 1/1/1923 3 122 No 739,757 0.62 6.90 First Pryority Bank Pryor First Pryor Bancorp, Inc. 1/2/1900 2 39 No 201,561 1.40 12.30 First Security Bank Beaver 1/16/1916 1 17 Yes 114,910 1.43 14.54 First Security Bank and Trust Company Oklahoma City FSB Bancshares, Inc. 4/6/1951 1 23 Yes 54,416 0.56 5.93 First State Bank Anadarko 2/5/1909 2 22 Yes 91,862 0.90 6.47 First State Bank Noble Noble Bancshares, Inc. 7/3/1902 1 18 No 44,009 0.56 5.22 First State Bank Elmore City Bluechip Bancshares, LLC 1/1/1903 1 17 No 14,444 2.99 23.43 First State Bank Boise City 8/6/1915 1 14 Yes 83,036 1.31 15.81 First State Bank Valliant FSB Financial Corp. 12/3/1911 3 29 Yes 69,861 0.59 7.40 First State Bank Tahlequah Maxlou Bancshares, Inc. 4/13/1977 2 21 Yes 63,126 0.23 1.76 First State Bank Watonga First State Bancorporation of Watonga, Inc. 9/5/1974 1 13 Yes 74,751 1.52 16.12 First State Bank Oklahoma City FSB Investments, LLC 8/12/1902 3 55 No 345,735 0.85 9.06 First State Bank in Temple Temple First Temple Corporation 6/1/1919 1 10 No 24,986 0.60 3.02 First State Bank, Pond Creek, Oklahoma Pond Creek 9/16/1893 2 14 Yes 48,010 1.05 9.09 First Summit Bank Ryan 6/1/1894 2 12 No 27,202 0.11 0.83 First Texoma National Bank Durant FNB Financial Services, Inc. 7/11/1898 6 65 No 184,013 1.04 9.04 First United Bank and Trust Company Durant Spend Life Wisely Company, Inc. 10/2/1900 70 1,576 No 7,849,113 0.89 8.64 Firstar Bank Sallisaw Firstar Financial Corp. 11/19/1964 9 160 No 633,394 1.57 14.64 FirstBank Antlers First Antlers Bancorporation, Inc. 1/1/1901 6 126 Yes 315,918 1.22 13.52 FNB Community Bank Midwest City First Midwest Acquisition Corporation 6/1/1943 7 114 Yes 463,560 0.65 6.71 FNB Coweta Coweta First Coweta Corporation 7/13/1903 3 19 Yes 76,517 0.58 6.24 Frazer Bank Altus First Altus Bancorp, Inc. 1/1/1902 9 72 No 298,010 0.17 1.92 Frontier State Bank Oklahoma City 4/14/1975 1 46 Yes 590,822 (0.13) (1.08) FSNB, National Association Lawton JRMB II Inc. 4/19/1946 87 756 Yes 373,022 3.01 19.04 Grand Bank Tulsa Grand Capital Corporation 7/21/1975 3 46 No 387,422 1.30 12.18 Grand Savings Bank Grove Grand Bancorp, Inc. 4/10/1981 12 149 Yes 510,577 1.36 14.54 Grant County Bank Medford 1/1/1895 1 8 Yes 56,154 0.06 0.37 Great Nations Bank Norman 9/28/2009 2 13 No 67,427 0.42 2.99 Great Plains National Bank Hollis Great Plains Bancshares, Inc. 7/17/1996 21 305 Yes 809,932 1.27 12.65 High Plains Bank Keyes First Keyes Bancshares, Inc. 2/11/1930 5 25 Yes 150,083 1.13 10.39 Hopeton State Bank Hopeton Hopeton Bancshares, Inc. 1/1/1919 1 6 No 26,105 0.04 0.34 Idabel National Bank Idabel Southeast Capital Corporation 2/14/1921 1 27 Yes 131,842 1.48 15.77 InterBank Oklahoma City Olney Bancshares of Texas, Inc. 3/31/1988 46 536 Yes 3,604,890 1.37 10.49 International Bank of Commerce Oklahoma Oklahoma City International Bancshares Corporation 1/1/2017 49 423 No 1,412,306 1.05 7.05 Kirkpatrick Bank Edmond American Bancorp of Oklahoma, Inc. 3/23/1970 6 102 Yes 797,920 1.29 11.71 Lakeside Bank of Salina Salina First Pryor Bancorp, Inc. 10/9/1973 1 13 No 38,952 1.43 10.94 Lakeside State Bank Oologah Lakeside Holding Corporation 2/9/1976 2 22 Yes 66,001 0.31 3.74 Latimer State Bank Wilburton First Latimer Corporation 4/9/1979 1 7 Yes 69,244 0.74 3.59 Legacy Bank Hinton Midstate Bancorp, Inc. 1/1/1902 11 167 Yes 457,085 0.31 3.53 Liberty National Bank Lawton B.O.E. Bancshares, Inc. 1/1/1902 7 121 Yes 564,816 1.31 11.35 Mabrey Bank Bixby Mabrey Bancorporation, Inc. 1/26/1924 15 238 No 1,168,806 0.91 11.35 McClain Bank Purcell McClain County Bancorporation, Inc. 3/8/1922 5 52 No 224,177 1.44 12.29 McCurtain County National Bank Broken Bow McCurtain County Bancshares, Inc. 4/23/1982 4 57 No 256,560 1.57 12.33 MidFirst Bank Oklahoma City Midland Financial Co. 2/28/1911 80 2,632 Yes 21,611,353 1.14 11.73 NBC Oklahoma Oklahoma City NBC Corporation of Oklahoma 8/1/1931 7 131 Yes 676,498 0.83 10.38 Oklahoma Bank and Trust Company Clinton Oklahoma BanCorporation, Inc. 3/2/1908 4 32 Yes 159,437 1.09 7.24 Oklahoma Capital Bank Tulsa Capital Bank Holdings, Inc. 8/10/1963 3 32 No 181,248 0.76 4.44
Source: S&P Global Market Intelligence 154 Oklahoma – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Oklahoma Heritage Bank Stratford 5/7/1979 4 27 No 85,594 0.78 7.46 Oklahoma State Bank Vinita Oklahoma State Bancshares, Inc. 7/13/1938 3 40 Yes 149,123 1.27 10.92 Oklahoma State Bank Buffalo Buffalo Bancshares, Inc. 2/10/1930 2 17 Yes 53,138 2.39 22.94 Oklahoma State Bank Guthrie Town & Country Bancshares, Inc. 1/1/1909 3 31 No 151,196 0.25 1.99 Pauls Valley National Bank Pauls Valley Valley Bancshares, Incorporated 1/1/1905 6 56 No 245,922 0.81 7.67 Payne County Bank Perkins Payne County Bancshares, Inc. 1/3/1898 2 30 Yes 171,961 1.33 7.15 Peoples Bank Tulsa American Bancorporation, Inc. 1/21/1907 2 26 Yes 100,360 0.93 6.12 Peoples Bank Westville Peoples Commercial Bancorp, Inc. 2/3/1903 2 19 Yes 46,498 1.97 16.67 Peoples Bank & Trust Company Ryan 3/5/1906 2 14 Yes 46,777 0.95 7.09 Peoples National Bank of Checotah Checotah Peoples National Bancshares of Checotah, Inc. 1/1/1911 3 36 Yes 138,985 1.10 6.62 Peoples State Bank Blair H. Pat Henson Company 8/25/1952 2 12 Yes 16,733 1.20 12.38 Prime Bank Edmond Prime Bank Group, Inc. 4/7/2008 1 24 Yes 283,030 1.92 14.97 Quail Creek Bank, National Association Oklahoma City Quail Creek Bancshares, Inc. 12/4/1974 1 83 Yes 689,523 1.37 14.14 RCB Bank Claremore RCB Holding Company, Inc. 1/4/1936 58 767 Yes 3,119,524 0.95 9.92 Regent Bank Tulsa Regent Capital Corporation 6/21/1898 5 109 No 649,973 0.74 7.43 Republic Bank & Trust Norman Ironhorse Financial Group, Inc. 6/30/1988 5 136 No 589,375 1.01 9.21 Security Bank Tulsa Pawnee Holding Company, Inc. 1/1/1902 1 54 Yes 567,187 1.64 13.42 Security Bank and Trust Company Miami SSB Holdings, Inc. 12/1/1922 4 27 Yes 94,461 0.47 4.85 Security First National Bank of Hugo Hugo Sooner Southwest Bankshares, Inc. 1/7/1930 2 32 No 112,881 2.29 24.81 Security National Bank of Enid Enid Security Financial Services Corporation 1/1/1905 3 51 Yes 318,732 1.25 13.54 Security State Bank Cheyenne Cheyenne Banking Corporation 6/22/1912 2 25 Yes 167,643 1.82 12.53 Security State Bank of Oklahoma Wewoka Security Bancshares Corporation 12/5/1911 5 60 No 255,796 1.76 16.46 Seiling State Bank Seiling Seiling Bancshares, Inc. 11/15/1901 1 21 Yes 112,968 1.04 11.70 Shamrock Bank, N.A. Coalgate Shamrock Bancshares, Inc. 1/1/1924 7 87 Yes 314,919 1.08 8.97 SNB Bank, National Association Shattuck Shattuck Bancshares, Inc. 8/1/1909 2 20 Yes 114,569 0.80 8.95 Sooner State Bank Tuttle Tuttle Bancshares, Inc. 1/1/1903 5 52 Yes 209,109 1.40 11.73 Southwest Bank of Weatherford Weatherford Jack and Katherine Dickey Family Limited Partnership 6/4/1907 2 21 No 75,727 0.98 8.02 SpiritBank Tulsa Spirit BankCorp, Inc. 5/16/1916 6 132 No 624,527 0.91 8.15 Spiro State Bank Spiro Spiro Bancshares, Inc. 2/8/1913 2 26 No 51,488 0.35 2.77 State Bank of Wynnewood Wynnewood Garvin County Bancshares, Inc. 8/1/1910 1 13 Yes 92,482 0.92 6.17 State Exchange Bank Lamont State Exchange Bancshares, Inc. 10/1/1901 1 12 Yes 66,093 1.02 8.99 Stock Exchange Bank Woodward 1/3/1903 3 43 No 247,186 1.37 9.05 Stockmans Bank Altus Reeves Bancshares, Inc. 3/23/1910 6 61 Yes 257,538 1.13 11.63 Stride Bank, National Association Enid Central Service Corporation 1/1/1913 10 195 Yes 683,956 1.07 11.44 Stroud National Bank Stroud Stroud Bancorp., Inc. 3/16/1898 3 29 Yes 75,696 0.48 4.13 The Bankers Bank Oklahoma City Bankers Bancorp of Oklahoma, Inc. 5/28/1986 1 65 No 319,575 0.54 4.29 Triad Bank, National Association Tulsa Triad Bancshares, Inc. 8/29/1983 2 31 Yes 181,627 1.34 11.77 Valliance Bank Oklahoma City Valliance Financial Corp. 10/20/2004 5 76 Yes 456,791 0.53 5.75 Valor Bank Edmond First of Grandfield Corporation 6/1/1930 1 20 Yes 95,358 1.37 14.47 Vast Bank, N.A. Tulsa Tulsa Valley Bancshares Corporation 2/16/1982 10 103 No 651,154 0.81 7.92 Vision Bank, National Association Ada Vision Bancshares, Inc. 1/1/1901 9 211 Yes 680,289 0.86 8.78 Walters Bank and Trust Company Walters 4/14/1934 1 13 Yes 53,420 0.55 2.48 Washita State Bank Burns Flat 3/14/1977 1 11 Yes 106,179 (0.10) (0.79) Washita Valley Bank Fort Cobb Fort Cobb Bancshares, Inc. 7/9/1902 1 11 No 42,290 0.95 5.43 Welch State Bank of Welch, Oklahoma Welch Welch Bancshares, Inc. 10/1/1923 4 73 Yes 275,826 0.98 7.65 YNB Yukon International Bancshares of Oklahoma, Inc. 7/12/1912 5 72 Yes 231,584 0.51 6.95 Yorktown Bank Pryor Yorktown Financial Holdings, Inc. 1/24/1983 3 19 No 118,495 0.87 6.56
Source: S&P Global Market Intelligence 155 Oklahoma – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 BOKF, National Association Tulsa 4,799 133 26,410,366 198,574 323,548 5,503 8,967 43,031,921 2 MidFirst Bank Oklahoma City 2,632 80 11,549,018 144,363 270,142 4,388 8,211 21,611,353 3 First United Bank and Trust Company Durant 1,576 70 6,656,297 95,090 112,130 4,224 4,980 7,849,113 4 BancFirst Oklahoma City 1,838 114 6,666,884 58,481 66,261 3,627 4,110 7,553,761 5 InterBank Oklahoma City 536 46 3,147,374 68,421 78,367 5,872 6,726 3,604,890 6 RCB Bank Claremore 767 58 2,728,275 47,039 53,785 3,557 4,067 3,119,524 7 First Fidelity Bank Oklahoma City 331 29 1,474,013 50,828 61,056 4,453 5,349 1,770,636 8 International Bank of Commerce Oklahoma Oklahoma City 423 49 1,080,024 22,041 28,823 2,553 3,339 1,412,306 9 Mabrey Bank Bixby 238 15 1,049,182 69,945 77,920 4,408 4,911 1,168,806 10 American Heritage Bank Sapulpa 275 23 895,579 38,938 48,869 3,257 4,087 1,123,976 11 Armstrong Bank Muskogee 264 21 892,020 42,477 48,831 3,379 3,884 1,025,443 12 Bank7 Oklahoma City 77 8 722,445 90,306 103,169 9,382 10,719 825,348 13 Great Plains National Bank Hollis 305 21 714,360 34,017 38,568 2,342 2,656 809,932 14 Kirkpatrick Bank Edmond 102 6 658,722 109,787 132,987 6,458 7,823 797,920 15 First Oklahoma Bank Jenks 122 3 661,297 220,432 246,586 5,420 6,064 739,757 16 Central Bank of Oklahoma Tulsa 84 10 520,284 52,028 69,264 6,194 8,246 692,643 17 Quail Creek Bank, National Association Oklahoma City 83 1 620,068 620,068 689,523 7,471 8,308 689,523 18 Stride Bank, National Association Enid 195 10 597,804 59,780 68,396 3,066 3,507 683,956 19 Vision Bank, National Association Ada 211 9 524,788 58,310 75,588 2,487 3,224 680,289 20 NBC Oklahoma Oklahoma City 131 7 593,824 84,832 96,643 4,533 5,164 676,498 21 First National Bank and Trust Co., Chickasha, Oklahoma Chickasha 167 11 560,416 50,947 59,930 3,356 3,947 659,231 22 Vast Bank, N.A. Tulsa 103 10 557,327 55,733 65,115 5,411 6,322 651,154 23 Regent Bank Tulsa 109 5 527,494 105,499 129,995 4,839 5,963 649,973 24 Firstar Bank Sallisaw 160 9 553,458 61,495 70,377 3,459 3,959 633,394 25 SpiritBank Tulsa 132 6 534,447 89,075 104,088 4,049 4,731 624,527 26 Frontier State Bank Oklahoma City 46 1 370,390 370,390 590,822 8,052 12,844 590,822 27 Republic Bank & Trust Norman 136 5 519,186 103,837 117,875 3,818 4,334 589,375 28 Security Bank Tulsa 54 1 496,869 496,869 567,187 9,201 10,503 567,187 29 Liberty National Bank Lawton 121 7 494,541 70,649 80,688 4,087 4,668 564,816 30 First Bank & Trust Co. Duncan 160 10 470,765 47,077 56,322 2,942 3,520 563,218 31 First National Bank and Trust Company of Ardmore Ardmore 146 11 447,836 40,712 50,808 3,067 3,828 558,886 32 First National Bank of Oklahoma Oklahoma City 64 4 476,104 119,026 136,551 7,439 8,534 546,205 33 BancCentral, National Association Alva 68 5 470,035 94,007 104,963 6,912 7,718 524,816 34 Grand Savings Bank Grove 149 12 457,592 38,133 42,548 3,071 3,427 510,577 35 F&M Bank Edmond 107 8 410,789 51,349 59,966 3,839 4,483 479,730 36 First National Bank & Trust Company of McAlester McAlester 84 6 406,033 67,672 78,218 4,834 5,587 469,305 37 FNB Community Bank Midwest City 114 7 395,454 56,493 66,223 3,469 4,066 463,560 38 Legacy Bank Hinton 167 11 405,022 36,820 41,553 2,425 2,737 457,085 39 Valliance Bank Oklahoma City 76 5 400,550 80,110 91,358 5,270 6,010 456,791 40 All America Bank Oklahoma City 108 7 406,773 58,110 64,719 3,766 4,195 453,035 41 First National Bank and Trust Company of Vinita Vinita 91 4 387,684 96,921 110,524 4,260 4,858 442,097 42 American Nation Bank Ardmore 94 9 375,800 41,756 49,031 3,998 4,695 441,283 43 First Liberty Bank Oklahoma City 62 2 397,323 198,662 220,073 6,408 7,099 440,146 44 First Bank of Owasso Owasso 67 3 379,074 126,358 144,053 5,658 6,450 432,159 45 Alva State Bank & Trust Company Alva 47 5 348,144 69,629 81,124 7,407 8,630 405,622 46 Grand Bank Tulsa 46 3 334,813 111,604 129,141 7,279 8,422 387,422 47 AVB Bank Broken Arrow 84 4 341,154 85,289 96,164 4,061 4,579 384,655 48 Bank, National Association McAlester 87 5 333,661 66,732 75,474 3,835 4,338 377,369 49 FSNB, National Association Lawton 756 87 298,046 3,426 4,288 394 493 373,022 50 City National Bank and Trust Co. of Lawton, Oklahoma Lawton 430 41 306,380 7,473 8,919 713 850 365,662
Source: S&P Global Market Intelligence 156 Oklahoma – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Bank of Locust Grove Locust Grove 40,112 8.13 31.88 0.81 27.53 83.49 1.94 6.03 2 FirstBank Antlers 315,918 7.76 (2.94) 1.23 (0.67) 95.41 2.69 5.97 3 Security First National Bank of Hugo Hugo 112,881 7.28 1.66 0.63 0.81 98.32 2.31 5.96 4 Great Plains National Bank Hollis 809,932 7.54 3.92 1.09 11.58 92.74 3.18 5.84 5 Bank7 Oklahoma City 825,348 7.77 15.35 1.32 8.61 93.38 NA 5.72 5 Lakeside Bank of Salina Salina 38,952 7.58 8.80 0.44 16.16 76.14 1.70 5.72 7 Peoples Bank Westville 46,498 7.62 5.60 1.20 (0.25) 96.77 4.66 5.69 8 Farmers and Merchants Bank Maysville 19,018 7.52 8.74 0.16 (4.86) 71.78 2.25 5.58 9 First Bank Erick 72,031 7.70 7.26 0.54 (4.33) 80.12 1.96 5.51 10 Peoples State Bank Blair 16,733 6.95 (8.83) 0.16 3.91 70.46 2.05 5.50 11 First Enterprise Bank Oklahoma City 155,963 6.64 (1.79) 0.87 (2.53) 104.38 NA 5.44 12 Bank of Wyandotte Wyandotte 12,787 8.12 3.68 0.47 3.55 58.99 3.74 5.38 13 Oklahoma State Bank Buffalo 53,138 7.13 3.76 0.24 (1.23) 75.29 1.97 5.26 14 Bank of Commerce Chelsea 148,359 6.64 (0.58) 0.38 2.77 77.43 2.06 5.22 14 Washita Valley Bank Fort Cobb 42,290 7.36 3.17 0.69 2.83 74.39 3.23 5.22 16 Bank of Cordell Cordell 37,431 6.58 (4.15) 1.45 (6.27) 111.85 3.99 5.17 16 First National Bank Heavener 84,237 7.32 (1.67) 0.74 5.58 80.77 1.92 5.17 18 Community Bank of Oklahoma Verden 40,999 6.37 (11.00) 0.41 (10.12) 84.73 3.38 5.16 19 Bank of the West Thomas 144,819 6.11 (7.50) 0.86 (7.77) 103.86 NA 5.14 20 Farmers State Bank, Allen, Oklahoma Allen 41,577 6.29 (3.36) 0.46 (5.71) 87.21 2.57 5.11 21 Blue Sky Bank Pawhuska 234,788 6.66 2.72 1.13 8.87 84.08 2.61 5.08 22 Bank of Commerce Stilwell 81,297 6.56 (1.74) 1.01 4.51 85.43 4.20 5.05 23 Bank of Hydro Hydro 121,032 6.05 0.53 0.98 (5.57) 113.62 NA 5.03 23 Community Bank Bristow 88,152 6.74 0.61 0.70 2.79 81.88 2.03 5.03 25 First Security Bank and Trust Company Oklahoma City 54,416 6.25 19.36 1.04 12.82 97.23 2.83 5.01 26 First American Bank Stonewall 31,316 6.64 4.11 0.67 2.50 84.63 2.22 4.99 27 Bank of Western Oklahoma Elk City 312,095 6.59 9.71 1.13 15.32 88.58 2.42 4.98 28 Chickasaw Community Bank Oklahoma City 202,055 6.37 14.04 0.72 7.21 88.20 2.35 4.95 28 Peoples Bank Tulsa 100,360 5.73 (12.09) 0.56 (18.06) 98.31 NA 4.95 30 Triad Bank, National Association Tulsa 181,627 5.77 0.13 0.37 9.75 82.83 NA 4.94 31 Farmers State Bank Quinton 116,161 7.27 12.41 0.63 11.33 65.86 2.56 4.91 32 Community State Bank of Canton Canton 47,960 6.32 7.87 0.39 (0.58) 80.83 2.63 4.88 32 Stockmans Bank Altus 257,538 6.42 6.53 1.37 5.99 97.31 2.96 4.88 32 First State Bank, Pond Creek, Oklahoma Pond Creek 48,010 6.94 2.45 0.75 (5.87) 79.63 2.37 4.88 35 American Exchange Bank Henryetta 67,890 6.20 14.32 0.79 2.89 89.87 3.26 4.83 35 Bank of Vici Vici 34,883 7.83 2.09 0.58 (9.64) 62.31 2.42 4.83 37 First National Bank and Trust Company of Weatherford Weatherford 259,602 5.68 7.26 0.60 3.23 94.42 3.10 4.80 38 Stride Bank, National Association Enid 683,956 6.04 12.70 0.58 1.33 97.58 2.06 4.79 39 First Summit Bank Ryan 27,202 6.23 (0.95) 0.78 2.36 77.78 0.00 4.78 40 1st Bank & Trust Broken Bow 156,919 7.03 2.50 0.63 0.74 68.11 2.29 4.77 41 First National Bank and Trust Company of Broken Arrow Broken Arrow 185,470 5.49 9.37 0.29 (3.68) 92.51 2.26 4.74 42 Legacy Bank Hinton 457,085 6.48 (3.93) 0.57 (3.62) 78.59 2.07 4.73 43 First National Bank and Trust Company of Miami Miami 131,861 6.02 3.81 0.16 (4.59) 72.29 2.01 4.71 43 Community State Bank Poteau 270,659 6.36 1.70 0.97 2.08 91.10 2.83 4.71 45 Firstar Bank Sallisaw 633,394 5.86 15.10 0.88 12.11 95.99 3.01 4.69 46 First National Bank of Lindsay Lindsay 64,829 6.20 25.55 0.42 8.19 77.73 2.51 4.65 46 American Bank of Oklahoma Collinsville 316,346 6.83 14.28 1.50 14.00 100.81 2.40 4.65 48 Peoples Bank & Trust Company Ryan 46,777 7.83 7.15 1.53 28.77 71.79 2.19 4.62 48 Security State Bank of Oklahoma Wewoka 255,796 6.37 9.03 0.97 5.38 95.56 3.15 4.62 48 First State Bank Valliant 69,861 6.19 3.56 0.95 2.73 84.98 2.61 4.62
Source: S&P Global Market Intelligence 157 Oklahoma – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 First State Bank Elmore City 14,444 428 0.29 26.76 0.00 0.00 3,904 27.24 2 FSNB, National Association Lawton 373,022 15,374 12.65 0.00 0.00 0.00 56,719 14.80 3 City National Bank and Trust Company of Lawton, Oklahoma Lawton 365,662 8,002 5.95 0.00 0.00 0.03 34,075 9.65 4 Peoples Bank & Trust Company Ryan 46,777 538 0.08 4.65 0.00 (0.04) 2,058 4.87 5 Chickasaw Community Bank Oklahoma City 202,055 2,001 0.08 0.00 1.63 0.00 6,752 3.46 6 The Bankers Bank Oklahoma City 319,575 1,585 1.58 0.00 0.00 0.00 9,841 3.36 7 Valor Bank Edmond 95,358 1,533 0.01 2.47 0.00 0.00 2,132 2.54 8 Great Plains National Bank Hollis 809,932 13,226 0.44 1.48 0.00 0.00 16,576 2.11 9 First United Bank and Trust Company Durant 7,849,113 64,446 0.23 0.00 0.19 (0.01) 123,307 1.70 10 Stride Bank, National Association Enid 683,956 9,373 0.41 0.00 0.00 (0.04) 10,652 1.61 11 Citizens Bank of Ada Ada 188,605 2,021 0.40 0.39 0.00 (0.01) 3,040 1.54 12 Citizens State Bank Okemah 56,401 (3,260) 0.35 (0.51) 0.00 0.00 1,130 1.51 13 BancFirst Oklahoma City 7,553,761 127,564 0.50 0.04 0.00 0.01 114,409 1.50 14 Lakeside State Bank Oologah 66,001 287 1.05 0.00 0.00 0.00 1,011 1.43 14 Armstrong Bank Muskogee 1,025,443 14,383 0.59 0.15 0.00 (0.03) 14,149 1.43 16 International Bank of Commerce Oklahoma Oklahoma City 1,412,306 15,867 0.77 0.00 0.00 0.00 21,366 1.42 17 Farmers State Bank Quinton 116,161 918 0.73 0.00 0.00 0.00 1,502 1.38 18 Community Bank Bristow 88,152 1,836 0.81 0.00 0.00 0.00 1,193 1.37 19 First National Bank and Trust Company of Weatherford Weatherford 259,602 4,878 0.40 0.00 0.00 0.00 3,448 1.36 20 BOKF, National Association Tulsa 43,031,921 496,019 0.23 0.10 (0.14) 0.00 534,637 1.35 20 First Security Bank and Trust Company Oklahoma City 54,416 384 0.50 0.00 0.00 (0.15) 694 1.35 22 American Bank of Oklahoma Collinsville 316,346 2,679 0.13 0.61 0.00 (0.02) 3,985 1.33 23 Bank of Locust Grove Locust Grove 40,112 593 0.59 0.00 0.00 0.07 469 1.30 24 First National Bank Heavener 84,237 952 1.13 0.05 0.00 0.00 1,057 1.28 24 FirstBank Antlers 315,918 5,390 0.66 0.00 0.00 0.01 4,233 1.28 26 Oklahoma State Bank Buffalo 53,138 1,731 0.52 0.00 0.00 0.00 684 1.26 26 Peoples State Bank Blair 16,733 263 0.91 0.00 0.00 0.00 207 1.26 28 Firstar Bank Sallisaw 633,394 9,563 0.44 0.49 0.00 (0.07) 7,499 1.23 29 Vision Bank, National Association Ada 680,289 7,656 0.48 0.06 0.02 (0.01) 8,151 1.22 30 First Bank and Trust Company Clinton 54,322 364 0.35 0.00 0.00 0.00 662 1.18 31 First National Bank and Trust Co., Chickasha, Oklahoma Chickasha 659,231 12,433 0.44 0.00 0.02 0.00 7,423 1.16 32 Republic Bank & Trust Norman 589,375 5,622 0.31 0.24 0.05 0.00 6,413 1.15 33 Peoples Bank Westville 46,498 1,257 0.74 0.00 0.00 0.00 536 1.12 34 First State Bank Oklahoma City 345,735 2,869 0.03 0.98 0.00 0.00 3,728 1.11 35 First State Bank Noble 44,009 269 0.94 0.00 0.00 0.00 530 1.10 36 F&M Bank Edmond 479,730 8,400 0.17 0.55 0.00 0.00 5,108 1.08 36 First Bank & Trust Co. Duncan 563,218 11,951 0.33 0.05 0.00 0.07 6,331 1.08 38 Community State Bank Hennessey 68,741 966 0.54 0.00 0.00 0.00 767 1.07 39 1st Bank & Trust Broken Bow 156,919 4,491 0.41 0.00 0.00 0.00 1,625 1.03 39 McClain Bank Purcell 224,177 3,248 0.36 0.16 0.00 0.00 2,325 1.03 41 AmeriState Bank Atoka 277,613 2,060 0.50 0.45 0.00 (0.01) 2,830 1.02 42 Bank of Vici Vici 34,883 400 0.47 0.00 0.00 0.00 371 1.01 42 Community State Bank Poteau 270,659 3,399 0.94 0.00 0.00 (0.02) 2,758 1.01 44 First Texoma National Bank Durant 184,013 1,877 0.52 0.00 0.00 0.03 1,791 1.00 45 Peoples National Bank of Checotah Checotah 138,985 2,085 0.64 0.00 0.00 0.00 1,412 0.99 46 Lakeside Bank of Salina Salina 38,952 503 0.34 0.00 0.00 0.00 345 0.98 46 Welch State Bank of Welch, Oklahoma Welch 275,826 3,510 0.44 0.00 0.16 0.00 2,655 0.98 46 Exchange Bank and Trust Company Perry 294,009 1,850 0.25 0.44 0.00 0.00 2,851 0.98 46 Security State Bank Cheyenne 167,643 4,179 0.20 0.00 0.00 0.00 1,688 0.98 50 First Fidelity Bank Oklahoma City 1,770,636 19,775 0.44 0.02 0.00 0.01 16,183 0.97
Source: S&P Global Market Intelligence 158 Oklahoma – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Washita State Bank Burns Flat 106,179 64.42 11 1 0.56 0.15 0.42 1.14 2 Alva State Bank & Trust Company Alva 405,622 37.59 47 5 0.86 0.05 0.63 1.53 3 First Bank of Okarche Okarche 110,727 40.97 8 1 0.94 0.06 0.54 1.54 4 Community National Bank of Okarche Okarche 116,267 44.35 15 2 0.87 0.16 0.55 1.58 5 First National Bank in Okeene Okeene 84,943 43.64 11 1 0.81 0.26 0.56 1.63 6 Latimer State Bank Wilburton 69,244 59.21 7 1 0.56 0.22 0.89 1.67 7 Security Bank Tulsa 567,187 41.63 54 1 1.10 0.13 0.49 1.72 8 Frontier State Bank Oklahoma City 590,822 71.84 46 1 0.89 0.24 0.59 1.72 9 Farmers and Merchants Bank Arnett 52,327 59.78 8 1 1.06 0.23 0.54 1.83 10 InterBank Oklahoma City 3,604,890 41.24 536 46 1.03 0.38 0.42 1.83 11 Security National Bank of Enid Enid 318,732 51.60 51 3 1.19 0.20 0.45 1.84 12 Oklahoma Bank and Trust Company Clinton 159,437 53.95 32 4 1.22 0.20 0.44 1.85 13 Prime Bank Edmond 283,030 41.25 24 1 1.29 0.12 0.46 1.86 14 Community Bank Alva 107,191 55.33 15 1 0.94 0.41 0.53 1.88 15 First Bank of Owasso Owasso 432,159 44.45 67 3 1.23 0.24 0.47 1.95 16 Central Bank of Oklahoma Tulsa 692,643 47.78 84 10 1.13 0.19 0.63 1.95 17 First National Bank & Trust of Elk City Elk City 305,330 49.37 44 3 1.23 0.20 0.59 2.02 18 Quail Creek Bank, National Association Oklahoma City 689,523 50.16 83 1 1.31 0.16 0.56 2.04 19 ACB Bank Cherokee 129,988 46.03 21 3 1.18 0.18 0.69 2.04 20 McCurtain County National Bank Broken Bow 256,560 49.95 57 4 1.21 0.26 0.62 2.09 21 First Security Bank Beaver 114,910 49.90 17 1 1.18 0.15 0.82 2.15 22 State Bank of Wynnewood Wynnewood 92,482 59.02 13 1 1.31 0.25 0.62 2.17 23 First National Bank of Stigler Stigler 113,293 52.54 24 1 1.38 0.25 0.55 2.18 24 Farmers and Merchants National Bank of Fairview Fairview 113,656 53.70 18 1 1.37 0.26 0.54 2.18 25 American Bank and Trust Company Tulsa 228,063 59.20 41 2 1.53 0.15 0.52 2.20 26 First National Bank of Oklahoma Oklahoma City 546,205 55.95 64 4 1.33 0.26 0.62 2.21 27 Bank of Cushing Cushing 116,014 52.17 20 2 0.95 0.35 0.91 2.21 28 First Bethany Bank & Trust Bethany 223,913 63.46 36 3 1.35 0.25 0.62 2.22 29 Stock Exchange Bank Woodward 247,186 53.71 43 3 1.23 0.17 0.84 2.25 30 First National Bank & Trust Company of McAlester McAlester 469,305 57.78 84 6 1.31 0.38 0.56 2.25 31 First Bank of Thomas Thomas 46,130 58.96 7 1 1.17 0.23 0.85 2.26 32 Grand Bank Tulsa 387,422 56.22 46 3 1.42 0.14 0.73 2.29 33 MidFirst Bank Oklahoma City 21,611,353 58.87 2,632 80 1.45 0.30 0.56 2.30 34 Kirkpatrick Bank Edmond 797,920 54.95 102 6 1.34 0.42 0.55 2.31 35 First State Bank Watonga 74,751 51.80 13 1 1.38 0.22 0.74 2.33 36 Security State Bank Cheyenne 167,643 44.44 25 2 1.46 0.30 0.57 2.34 37 Grant County Bank Medford 56,154 83.72 8 1 1.32 0.14 0.89 2.35 38 First State Bank Anadarko 91,862 63.03 22 2 1.49 0.23 0.63 2.36 39 Idabel National Bank Idabel 131,842 52.41 27 1 1.19 0.16 1.02 2.36 40 Bank of Kremlin Kremlin 298,255 55.56 53 6 1.74 0.13 0.53 2.40 41 American Nation Bank Ardmore 441,283 62.76 94 9 1.42 0.27 0.74 2.43 42 First Pryority Bank Pryor 201,561 52.57 39 2 1.40 0.31 0.72 2.43 43 BOKF, National Association Tulsa 43,031,921 58.97 4,799 133 1.45 0.26 0.73 2.44 44 1st Bank & Trust Broken Bow 156,919 45.79 42 4 1.30 0.48 0.70 2.48 45 Bank of Hydro Hydro 121,032 47.25 21 3 1.54 0.19 0.76 2.49 46 Yorktown Bank Pryor 118,495 64.65 19 3 1.56 0.35 0.60 2.51 47 Farmers & Merchants Bank Duke 18,253 73.64 4 1 1.49 0.12 0.90 2.52 48 Bank of Grand Lake Grove 183,113 65.84 37 2 1.37 0.24 0.93 2.53 49 Fairview Savings and Loan Association Fairview 46,316 59.26 8 1 1.45 0.21 0.87 2.53 50 First Farmers National Bank of Waurika Waurika 44,130 64.69 13 1 1.57 0.14 0.84 2.55
Source: S&P Global Market Intelligence 159 Oklahoma – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Citizens Bank & Trust Company of Ardmore Ardmore 219,339 151,321 1.02 0.00 0.00 0.01 (0.01) 0.00 2 COREBANK Waynoka 62,647 45,323 0.94 0.01 0.00 0.02 (0.01) 0.02 3 Farmers & Merchants Bank Duke 18,253 7,128 1.11 0.08 0.00 0.00 0.00 0.08 4 First Bank of Owasso Owasso 432,159 378,730 1.50 0.04 0.02 0.00 0.04 0.10 5 Community National Bank of Okarche Okarche 116,267 48,439 1.43 0.11 0.00 0.00 0.00 0.11 6 First State Bank Oklahoma City 345,735 305,365 1.10 0.00 0.00 0.03 0.08 0.11 7 Sooner State Bank Tuttle 209,109 137,021 1.08 0.00 0.00 0.11 0.02 0.13 8 Great Nations Bank Norman 67,427 58,560 1.03 0.00 0.00 0.10 0.04 0.14 9 American Bank and Trust Company Tulsa 228,063 115,647 0.44 0.00 0.00 0.16 0.00 0.16 10 American Exchange Bank, Lindsay, Oklahoma Lindsay 74,613 20,488 4.30 0.14 0.00 0.00 0.08 0.22 11 Fairview Savings and Loan Association Fairview 46,316 36,379 0.56 0.25 0.00 0.00 0.00 0.25 12 Farmers and Merchants Bank Maysville 19,018 12,115 0.80 0.26 0.01 0.00 (0.01) 0.26 13 Community Bank Bristow 88,152 64,754 1.13 0.11 0.00 0.06 0.11 0.29 14 Bank of Cordell Cordell 37,431 35,499 0.87 0.37 0.00 0.00 (0.07) 0.30 15 First State Bank in Temple Temple 24,986 13,342 3.35 0.01 0.00 0.18 0.12 0.31 16 First Liberty Bank Oklahoma City 440,146 370,294 1.54 0.00 0.00 0.21 0.15 0.36 17 Seiling State Bank Seiling 112,968 72,174 1.11 0.24 0.00 0.14 0.00 0.38 18 First Bethany Bank & Trust Bethany 223,913 116,111 1.17 0.19 0.00 0.22 0.00 0.41 19 First State Bank Elmore City 14,444 10,554 0.61 0.00 0.00 0.57 0.00 0.57 20 Regent Bank Tulsa 649,973 561,041 1.07 0.11 0.04 0.38 0.04 0.58 21 Valor Bank Edmond 95,358 81,966 0.77 0.00 0.00 0.57 0.01 0.58 22 American Bank Wagoner 29,009 5,059 1.27 0.55 0.00 0.00 0.06 0.61 23 Security First National Bank of Hugo Hugo 112,881 89,073 1.07 0.28 0.03 0.36 (0.01) 0.66 24 Bank of Wyandotte Wyandotte 12,787 6,501 1.62 0.43 0.12 0.00 0.13 0.68 25 Valliance Bank Oklahoma City 456,791 393,592 0.49 0.09 0.00 0.43 0.18 0.69 26 MidFirst Bank Oklahoma City 21,611,353 15,494,765 0.73 0.16 0.05 0.44 0.05 0.71 27 Bank7 Oklahoma City 825,348 676,029 1.16 0.02 0.09 0.62 0.00 0.73 28 Citizens Bank of Edmond Edmond 298,898 237,972 1.18 0.00 0.00 0.73 0.01 0.74 29 AVB Bank Broken Arrow 384,655 318,417 1.66 0.02 0.00 0.74 (0.01) 0.75 30 Kirkpatrick Bank Edmond 797,920 591,121 2.06 0.07 0.00 0.70 (0.01) 0.76 31 Cornerstone Bank Watonga 211,425 85,795 1.12 0.53 0.00 0.11 0.12 0.76 32 RCB Bank Claremore 3,119,524 1,899,382 1.16 0.23 0.02 0.46 0.09 0.80 33 Peoples Bank Tulsa 100,360 80,963 0.78 0.41 0.00 0.19 0.20 0.80 34 Liberty National Bank Lawton 564,816 417,623 1.18 0.08 0.00 0.73 0.02 0.84 35 Bank of the West Thomas 144,819 129,306 1.42 0.84 0.00 0.00 0.01 0.85 36 Shamrock Bank, N.A. Coalgate 314,919 225,044 1.24 0.53 0.00 0.32 0.01 0.86 37 First State Bank, Pond Creek, Oklahoma Pond Creek 48,010 33,586 2.12 0.28 0.60 0.00 0.01 0.89 38 Vast Bank, N.A. Tulsa 651,154 483,540 1.26 0.09 0.00 0.55 0.27 0.91 39 First National Bank of Oklahoma Oklahoma City 546,205 442,143 1.06 0.42 0.00 0.39 0.13 0.94 40 First National Bank Heavener 84,237 56,616 1.05 0.06 0.00 0.48 0.41 0.96 41 NBC Oklahoma Oklahoma City 676,498 520,809 1.19 0.10 0.02 0.65 0.18 0.96 42 Grand Savings Bank Grove 510,577 406,830 0.77 0.57 0.00 0.46 (0.04) 0.99 43 First Fidelity Bank Oklahoma City 1,770,636 1,139,422 1.29 0.10 0.01 0.92 (0.03) 1.00 44 Mabrey Bank Bixby 1,168,806 897,012 1.20 0.52 0.00 0.46 0.02 1.00 45 Spiro State Bank Spiro 51,488 12,808 3.12 0.91 0.05 0.00 0.05 1.00 46 First State Bank Boise City 83,036 67,551 0.76 0.35 0.12 0.45 0.09 1.01 47 Central Bank of Oklahoma Tulsa 692,643 599,856 1.66 0.03 0.00 1.00 0.06 1.09 48 1st Bank & Trust Broken Bow 156,919 93,961 1.22 0.81 0.27 0.00 0.08 1.16 49 Farmers and Merchants National Bank of Fairview Fairview 113,656 42,699 2.19 1.16 0.00 0.00 0.01 1.17 50 Oklahoma State Bank Buffalo 53,138 35,440 0.65 0.88 0.11 0.06 0.13 1.17
Source: S&P Global Market Intelligence 160 Oklahoma – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Security First National Bank of Hugo Hugo 112,881 2,576 32 81 2,503 1,796 2.29 24.81 2 Community Bank Bristow 88,152 1,836 26 71 1,657 1,328 2.10 23.80 3 First State Bank Elmore City 14,444 428 17 25 68 (81) 2.99 23.43 4 Oklahoma State Bank Buffalo 53,138 1,731 17 102 1,362 1,203 2.39 22.94 5 Farmers and Merchants Bank Maysville 19,018 432 6 72 316 303 1.68 20.33 6 1st Bank & Trust Broken Bow 156,919 4,491 42 107 3,807 3,200 2.14 19.65 7 FSNB, National Association Lawton 373,022 15,374 756 20 15,973 17,088 3.01 19.04 8 Bank of Western Oklahoma Elk City 312,095 6,081 84 72 4,616 3,734 1.55 18.33 9 Bank of Hydro Hydro 121,032 3,418 21 163 3,458 3,184 2.06 18.29 10 First National Bank of Stigler Stigler 113,293 2,049 24 85 1,729 1,703 1.35 17.54 11 Peoples Bank Westville 46,498 1,257 19 66 621 1,370 1.97 16.67 12 Security State Bank of Oklahoma Wewoka 255,796 4,382 60 73 3,229 3,090 1.76 16.46 13 Bank of Cordell Cordell 37,431 907 10 91 654 913 1.70 16.33 14 First State Bank Watonga 74,751 1,609 13 124 1,479 1,228 1.52 16.12 15 First Bank of Owasso Owasso 432,159 9,430 67 141 8,302 7,609 1.69 16.04 16 First State Bank Boise City 83,036 1,404 14 100 1,203 894 1.31 15.81 17 Idabel National Bank Idabel 131,842 2,501 27 93 2,154 1,945 1.48 15.77 18 Community State Bank Hennessey 68,741 966 18 54 770 515 1.01 15.55 19 BancFirst Oklahoma City 7,553,761 127,564 1,838 69 108,374 83,155 1.67 15.53 20 First Bank Erick 72,031 1,830 21 87 1,368 1,696 1.84 15.25 21 First National Bank and Trust Co., Chickasha, Oklahoma Chickasha 659,231 12,433 167 74 9,742 8,313 1.95 14.98 22 Prime Bank Edmond 283,030 6,903 24 288 7,135 7,158 1.92 14.97 23 Firstar Bank Sallisaw 633,394 9,563 160 60 8,905 10,699 1.57 14.64 24 First National Bank of Oklahoma Oklahoma City 546,205 8,027 64 125 7,646 7,211 1.17 14.63 25 Grand Savings Bank Grove 510,577 8,740 149 59 7,004 6,081 1.36 14.54 25 First Security Bank Beaver 114,910 2,221 17 131 2,305 1,561 1.43 14.54 27 Valor Bank Edmond 95,358 1,533 20 77 1,905 338 1.37 14.47 28 Bank of the West Thomas 144,819 3,669 31 118 3,726 3,493 1.84 14.39 29 Quail Creek Bank, National Association Oklahoma City 689,523 12,392 83 149 12,533 13,395 1.37 14.14 30 First Bank of Okarche Okarche 110,727 2,265 8 283 1,981 1,773 1.62 14.04 31 F&M Bank Edmond 479,730 8,400 107 79 6,467 5,900 1.33 13.92 32 Security National Bank of Enid Enid 318,732 5,500 51 108 6,423 3,737 1.25 13.54 33 FirstBank Antlers 315,918 5,390 126 43 5,324 4,525 1.22 13.52 34 Security Bank Tulsa 567,187 12,229 54 226 12,179 12,936 1.64 13.42 35 City National Bank and Trust Company of Lawton, Oklahoma Lawton 365,662 8,002 430 19 6,588 6,861 1.70 13.24 36 Bank of Kremlin Kremlin 298,255 5,516 53 104 4,533 4,729 1.37 12.78 37 Central National Bank of Poteau Poteau 248,181 4,453 79 56 4,781 4,487 1.35 12.75 37 First National Bank and Trust Company of Broken Arrow Broken Arrow 185,470 2,625 45 58 1,976 1,192 1.41 12.75 39 First National Bank & Trust of Elk City Elk City 305,330 5,871 44 133 5,698 6,529 1.41 12.65 40 Great Plains National Bank Hollis 809,932 13,226 305 43 18,704 12,187 1.27 12.65 41 First National Bank Heavener 84,237 952 37 26 1,410 873 1.15 12.55 42 Security State Bank Cheyenne 167,643 4,179 25 167 5,286 3,980 1.82 12.53 43 Bank of Locust Grove Locust Grove 40,112 593 18 33 462 476 1.65 12.52 44 Armstrong Bank Muskogee 1,025,443 14,383 264 54 12,665 21,038 1.45 12.43 44 BOKF, National Association Tulsa 43,031,921 496,019 4,799 103 417,089 311,560 1.26 12.43 46 Peoples State Bank Blair 16,733 263 12 22 251 256 1.20 12.38 47 All America Bank Oklahoma City 453,035 7,321 108 68 7,033 5,540 1.25 12.33 48 McCurtain County National Bank Broken Bow 256,560 3,995 57 70 2,830 2,719 1.57 12.33 49 First Pryority Bank Pryor 201,561 2,526 39 65 1,515 1,308 1.40 12.30 50 McClain Bank Purcell 224,177 3,248 52 62 3,094 2,530 1.44 12.29
Source: S&P Global Market Intelligence 161 Oklahoma – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Community Bank Bristow 88,152 23 18 119 13 2 35.0 2 1st Bank & Trust Broken Bow 156,919 40 39 44 48 6 35.4 3 Oklahoma State Bank Buffalo 53,138 13 26 101 50 4 38.8 4 Security First National Bank of Hugo Hugo 112,881 3 58 120 23 1 41.0 5 Farmers and Merchants Bank Maysville 19,018 8 75 148 12 5 49.6 6 First Bank of Owasso Owasso 432,159 101 122 15 4 15 51.4 7 First Bank Erick 72,031 9 65 123 51 20 53.6 8 Bank of Cordell Cordell 37,431 16 122 111 14 13 55.2 8 BancFirst Oklahoma City 7,553,761 120 13 72 52 19 55.2 10 Firstar Bank Sallisaw 633,394 45 28 134 66 23 59.2 11 First National Bank Heavener 84,237 16 24 178 40 41 59.8 12 First National Bank and Trust Co., Chickasha, Oklahoma Chickasha 659,231 53 31 59 138 21 60.4 13 Grand Savings Bank Grove 510,577 60 65 113 42 25 61.0 14 Bank of Locust Grove Locust Grove 40,112 1 23 168 73 43 61.6 15 Sooner State Bank Tuttle 209,109 74 103 73 7 55 62.4 16 FirstBank Antlers 315,918 2 24 188 69 33 63.2 17 Security State Bank of Oklahoma Wewoka 255,796 48 75 58 125 12 63.6 18 Bank of Hydro Hydro 121,032 23 142 45 103 9 64.4 19 F&M Bank Edmond 479,730 98 36 104 54 31 64.6 20 Bank of the West Thomas 144,819 19 183 62 35 28 65.4 21 Bank of Western Oklahoma Elk City 312,095 27 163 75 59 8 66.4 22 Liberty National Bank Lawton 564,816 51 88 97 34 64 66.8 23 First National Bank of Lindsay Lindsay 64,829 46 80 63 77 70 67.2 24 Great Plains National Bank Hollis 809,932 4 8 191 95 40 67.6 25 Prime Bank Edmond 283,030 69 183 13 57 22 68.8 26 Peoples Bank Westville 46,498 7 33 153 142 11 69.2 27 Valor Bank Edmond 95,358 122 7 174 21 27 70.2 28 BOKF, National Association Tulsa 43,031,921 184 20 43 61 44 70.4 29 MidFirst Bank Oklahoma City 21,611,353 165 77 33 26 55 71.2 29 Security State Bank Cheyenne 167,643 86 46 36 146 42 71.2 31 First National Bank of Stigler Stigler 113,293 161 111 23 55 10 72.0 32 First State Bank Boise City 83,036 81 167 55 46 16 73.0 33 First National Bank and Trust Company of Weatherford Weatherford 259,602 37 19 142 114 64 75.2 34 Central National Bank of Poteau Poteau 248,181 84 53 106 97 37 75.4 35 First National Bank of Oklahoma Oklahoma City 546,205 125 167 26 39 24 76.2 36 First State Bank Elmore City 14,444 168 1 197 19 3 77.6 37 First Pryority Bank Pryor 201,561 115 128 42 58 49 78.4 38 Peoples Bank Tulsa 100,360 28 97 85 33 153 79.2 39 Chickasaw Community Bank Oklahoma City 202,055 28 5 192 87 85 79.4 40 Peoples State Bank Blair 16,733 10 26 185 131 46 79.6 41 Kirkpatrick Bank Edmond 797,920 117 162 34 30 57 80.0 41 Shamrock Bank, N.A. Coalgate 314,919 63 80 118 36 103 80.0 41 Citizens Bank & Trust Company of Ardmore Ardmore 219,339 131 74 103 1 91 80.0 41 McClain Bank Purcell 224,177 68 39 114 129 50 80.0 45 First State Bank Oklahoma City 345,735 152 34 112 6 97 80.2 46 Seiling State Bank Seiling 112,968 88 163 76 17 58 80.4 47 Bank of the Panhandle Guymon 163,923 101 97 54 79 73 80.8 48 Farmers and Merchants National Bank of Fairview Fairview 113,656 155 107 24 49 72 81.4 49 RCB Bank Claremore 3,119,524 160 59 71 32 87 81.8 50 First National Bank and Trust Company of Broken Arrow Broken Arrow 185,470 41 68 124 140 37 82.0
Source: S&P Global Market Intelligence 162 Rank The Banks Pennsylvania – 2019 Q3 Pennsylvania – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1st Summit Bank Johnstown 1st Summit Bancorp of Johnstown, Inc. 01/01/24 16 185 No 1,098,294 1.02 10.79 ACNB Bank Gettysburg ACNB Corporation 4/11/1857 29 334 No 1,721,986 1.45 14.71 Altoona First Savings Bank Altoona 01/01/27 5 43 No 232,092 0.93 6.46 Ambler Savings Bank Ambler 1/1/1899 8 56 No 414,671 0.79 6.30 American Bank Allentown American Bank Incorporated 06/05/97 1 57 No 649,790 1.35 12.98 AmeriServ Financial Bank Johnstown AmeriServ Financial, Inc. 09/23/33 17 238 No 1,157,626 0.74 8.09 Apollo Trust Company Apollo Apollo Bancorp, Inc. 5/27/1871 6 43 No 158,778 1.10 10.76 Armstrong County Building and Loan Association Ford City 01/01/25 1 7 No 86,870 0.22 1.48 Asian Bank Philadelphia Asian Financial Corporation 06/09/99 2 34 No 228,887 1.09 12.91 Atlantic Community Bankers Bank Camp Hill Atlantic Community Bancshares, Inc. 11/21/83 2 116 No 820,886 0.55 4.13 Bank of Bird-in-Hand Bird in Hand 12/02/13 4 63 No 452,535 0.95 7.11 Bank of Landisburg Landisburg 10/19/03 4 51 No 300,236 1.18 6.52 BNY Mellon, National Association Pittsburgh Bank of New York Mellon Corporation 1/1/1869 31 1,606 No 27,823,000 1.09 7.58 Brentwood Bank Bethel Park Mutual Holding Company of Western Pennsylvania 01/01/22 12 81 No 694,979 0.84 7.17 Bryn Mawr Trust Company Bryn Mawr Bryn Mawr Bank Corporation 3/25/1889 44 649 No 4,813,704 1.22 9.15 Centric Bank Harrisburg Centric Financial Corporation 11/01/19 6 126 No 790,303 1.10 9.77 cfsbank Charleroi Charleroi Financial MHC 01/01/35 10 74 No 484,759 0.22 1.52 Citizens & Northern Bank Wellsboro Citizens & Northern Corporation 1/1/1864 27 331 No 1,626,874 1.41 10.59 Citizens Savings Bank Clarks Summit 07/17/02 8 75 No 320,500 0.40 2.65 Clarion County Community Bank Clarion 01/07/04 4 39 No 173,529 0.58 5.70 CNB Bank Clearfield CNB Financial Corporation 2/5/1865 42 567 No 3,521,841 1.21 12.32 Coatesville Savings Bank Coatesville 01/01/19 5 38 No 219,391 0.48 4.85 Commercial Bank & Trust of PA Latrobe Commercial National Financial Corporation 05/04/34 9 96 No 431,507 1.12 7.51 Community Bank Carmichaels CB Financial Services, Inc. 07/01/01 28 270 No 1,326,222 0.93 8.77 Community State Bank of Orbisonia Orbisonia Orbisonia Community Bancorp, Inc. 01/11/51 7 98 No 328,272 0.76 6.60 Compass Savings Bank Wilmerding 01/01/34 1 7 No 50,899 (0.88) (10.08) County Savings Bank Essington 01/01/20 3 19 No 83,270 0.51 7.40 Covenant Bank Doylestown Covenant Financial Inc. 11/07/07 3 53 No 512,146 1.04 10.24 Customers Bank Phoenixville Customers Bancorp, Inc. 06/26/97 15 853 No 11,724,273 0.72 6.90 Dime Bank Honesdale Dimeco, Inc. 01/01/05 8 153 No 722,314 1.30 11.38 DNB First, National Association Downingtown DNB Financial Corporation 9/3/1860 14 156 No 1,113,665 1.03 8.99 Dollar Bank, Federal Savings Bank Pittsburgh Dollar Mutual Bancorp 7/19/1855 76 1,383 No 8,998,267 0.81 6.90 Elderton State Bank Elderton Keystrong Financial, Inc. 06/10/19 3 50 No 294,730 1.39 11.94 Embassy Bank for the Lehigh Valley Bethlehem Embassy Bancorp Inc. 11/06/01 9 92 No 1,161,768 0.97 11.99 Enterprise Bank Allison Park Enterprise Financial Services Group, Inc. 10/23/98 1 61 No 310,815 0.58 6.19 Ephrata National Bank Ephrata ENB Financial Corp 3/17/1881 16 263 No 1,145,395 0.99 10.39 ESSA Bank & Trust Stroudsburg ESSA Bancorp, Inc. 01/01/16 23 253 No 1,795,986 0.69 6.98 Farmers and Merchants Trust Company of Chambersburg Chambersburg Franklin Financial Services Corporation 02/05/06 24 280 No 1,302,271 1.28 13.16 Farmers Building and Savings Bank Rochester 6/30/1894 1 6 No 99,277 0.66 3.10 Farmers National Bank of Emlenton Emlenton Emclaire Financial Corp 07/01/00 20 160 No 936,100 0.77 8.76 Fidelity Deposit and Discount Bank Dunmore Fidelity D & D Bancorp, Inc. 05/11/03 13 191 No 1,014,480 1.30 13.00 Fidelity Savings and Loan Association of Bucks County Bristol 1/1/1885 2 15 No 85,921 0.36 2.46 First Citizens Community Bank Mansfield Citizens Financial Services, Inc. 06/11/32 28 255 No 1,474,115 1.38 13.79 First Columbia Bank & Trust Co. Bloomsburg CCFNB Bancorp, Inc. 8/1/1899 14 170 No 753,804 1.19 9.53 First Commonwealth Bank Indiana First Commonwealth Financial Corporation 9/21/1880 148 1,511 No 8,132,244 1.42 10.90 First Federal Savings and Loan Association of Greene County Waynesburg 3/13/1924 8 122 No 930,465 0.50 3.52 First Keystone Community Bank Berwick First Keystone Corporation 9/23/1864 18 198 No 1,018,262 1.01 9.24 First National Bank and Trust Company of Newtown Newtown FNB Bancorp, Inc. 2/25/1864 16 144 No 954,433 1.24 14.58 First National Bank of Pennsylvania Pittsburgh F.N.B. Corporation 2/4/1864 372 4,090 No 34,262,582 1.23 8.62 First Northern Bank and Trust Company Palmerton Palm Bancorp 1/6/1908 11 151 No 717,434 0.77 5.37
Source: S&P Global Market Intelligence 164 Pennsylvania – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First Resource Bank Exton 5/2/2005 3 48 No 322,311 0.78 8.88 First United National Bank Fryburg Fryburg Banking Company, Inc. 8/2/1909 6 64 No 268,168 0.96 10.14 Firstrust Savings Bank Conshohocken Semperverde Holding Company 1/1/1934 18 528 Yes 3,651,956 0.92 8.63 Fleetwood Bank Fleetwood Fleetwood Bank Corporation 12/7/1907 7 60 No 255,366 0.73 7.89 FNCB Bank Dunmore FNCB Bancorp, Inc. 1/1/1910 17 223 No 1,193,693 1.27 12.63 Fulton Bank, National Association Lancaster Fulton Financial Corporation 1/1/1882 237 2,111 No 21,564,422 1.49 14.02 Gratz Bank Gratz GNB Financial Services, Inc. 11/3/1934 5 47 No 358,924 1.14 12.23 Greenville Savings Bank Greenville 1/1/1911 3 43 No 243,315 0.66 4.66 Hamlin Bank and Trust Company Smethport 12/31/1863 8 89 No 388,506 0.85 3.91 Harleysville Bank Harleysville Harleysville Financial Corporation 2/16/1915 8 113 No 780,323 1.14 11.99 Hatboro Federal Savings, FA Hatboro 6/30/1941 4 42 No 513,312 0.90 3.98 Hometown Bank of Pennsylvania Bedford 4/9/2007 5 54 No 219,753 0.83 9.28 Honesdale National Bank Honesdale Honat Bancorp, Inc. 12/26/1836 12 150 No 706,178 1.31 8.72 Huntingdon Savings Bank Huntingdon 1/1/1923 1 2 No 16,602 0.60 2.83 Huntingdon Valley Bank Huntingdon Valley HV Bancorp, Inc. 1/1/1871 6 95 No 353,358 0.30 3.61 Hyperion Bank Philadelphia 11/20/2006 1 23 No 170,771 (0.01) (0.07) InFirst Bank Indiana InFirst Bancorp, MHC 1/1/1922 8 104 No 420,251 0.55 5.55 Investment Savings Bank Altoona 1/1/1939 2 18 No 101,502 0.38 1.81 Iron Workers Savings Bank Aston 1/1/1879 3 29 No 176,992 0.30 3.00 Jersey Shore State Bank Williamsport Penns Woods Bancorp, Inc. 5/15/1934 18 253 No 1,243,195 1.14 14.97 Jim Thorpe Neighborhood Bank Jim Thorpe JTNB Bancorp, Inc. 8/25/1902 6 43 No 201,613 0.68 7.13 Jonestown Bank and Trust Co. Jonestown 1/1/1873 14 156 No 630,445 0.83 9.23 Juniata Valley Bank Mifflintown Juniata Valley Financial Corp. 8/5/1867 16 152 No 665,871 0.90 8.38 Kish Bank Belleville Kish Bancorp, Inc. 1/1/1935 15 207 No 900,308 0.84 9.80 Landmark Community Bank Pittston Landmark Bancorp, Inc. 3/1/2001 6 76 No 321,360 (0.11) (1.16) LINKBANK Camp Hill LINKBANCORP, Inc. 2/26/1999 3 44 No 195,055 (5.07) (18.56) Luzerne Bank Luzerne Penns Woods Bancorp, Inc. 11/19/1907 9 77 No 461,170 1.04 9.07 Malvern Bank, National Association Paoli Malvern Bancorp, Inc. 12/12/1887 9 82 No 1,264,106 0.93 7.49 Marion Center Bank Indiana Community Bankers' Corporation 7/6/1905 7 81 No 320,066 0.70 9.48 Marquette Savings Bank Erie 5/27/1908 11 134 No 915,831 0.80 4.42 Mars Bank Mars Mars Bancorp, Inc. 10/16/1900 5 74 No 403,365 0.48 5.34 Mauch Chunk Trust Company Jim Thorpe Mauch Chunk Trust Financial Corp. 8/25/1902 8 79 No 459,758 0.60 7.02 MCS Bank Lewistown 12/21/1923 5 41 No 147,058 0.53 3.99 Mercer County State Bank Sandy Lake Mercer County State Bancorp, Inc. 6/20/1911 12 100 No 437,384 0.93 9.24 Merchants Bank of Bangor Bangor MNB Corporation 10/8/1890 9 89 No 412,764 0.94 10.86 Meridian Bank Malvern Meridian Corporation 7/8/2004 7 247 No 1,126,937 0.97 8.66 Mid Penn Bank Millersburg Mid Penn Bancorp, Inc. 9/24/1868 38 411 No 2,248,606 0.94 8.17 Mifflinburg Bank & Trust Company Mifflinburg Mifflinburg Bancorp, Inc. 6/15/1872 7 80 No 452,068 1.13 11.63 Milton Savings Bank Milton 1/1/1920 1 11 No 62,240 0.81 3.38 Muncy Bank and Trust Company Muncy Muncy Bank Financial, Inc. 11/1/1893 8 98 No 493,232 1.10 11.14 National Bank of Malvern Malvern Malvern Bank Corporation 4/7/1884 2 24 No 151,623 1.28 8.30 Neffs National Bank Neffs Neffs Bancorp, Inc. 4/3/1923 1 42 No 370,407 1.33 7.33 New Tripoli Bank New Tripoli New Tripoli Bancorp, Inc. 3/1/1910 3 61 No 499,101 0.98 8.78 NexTier Bank, National Association Butler NexTier Incorporated 1/1/1897 29 273 No 1,396,113 1.42 13.28 Noah Bank Elkins Park 7/17/2006 6 76 No 444,259 (1.63) (15.44) Northumberland National Bank Northumberland Northumberland Bancorp 11/2/1903 7 107 No 543,599 0.66 6.70 Northwest Bank Warren Northwest Bancshares, Inc. 1/1/1896 184 2,218 No 10,724,895 1.12 8.86 Orrstown Bank Shippensburg Orrstown Financial Services, Inc. 5/1/1919 37 442 No 2,311,401 0.89 9.71 Penn Community Bank Doylestown Penn Community Mutual Holdings Inc. 6/22/1922 27 337 No 2,299,414 0.41 3.27 PennCrest BANK Altoona 1/1/1939 7 43 No 182,819 0.43 2.75
Source: S&P Global Market Intelligence 165 Pennsylvania – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Pennian Bank Mifflintown First Community Financial Corporation 1/1/1864 13 110 No 536,375 0.70 7.10 Peoples Security Bank and Trust Company Scranton Peoples Financial Services Corp. 1/1/1905 29 392 No 2,372,060 1.18 9.75 PeoplesBank, A Codorus Valley Company York Codorus Valley Bancorp, Inc. 1/25/1934 38 353 No 1,865,737 1.05 10.17 Phoenixville Federal Bank and Trust Phoenixville 1/1/1911 7 81 No 456,520 0.79 6.53 Port Richmond Savings Philadelphia 1/1/1919 1 9 No 80,434 0.97 5.20 Prudential Bank Philadelphia Prudential Bancorp, Inc. 1/1/1886 11 87 No 1,289,103 0.85 7.67 PS Bank Wyalusing Peoples Limited 12/14/1914 9 70 No 405,662 1.15 12.87 QNB Bank Quakertown QNB Corp. 7/21/1877 13 200 No 1,234,295 0.97 11.62 Quaint Oak Bank Southampton Quaint Oak Bancorp, Inc. 1/1/1926 2 76 No 292,505 1.02 9.76 Reliance Savings Bank Altoona Reliance Bancorp, MHC 1/1/1939 9 96 No 558,805 0.62 5.92 Republic First Bank Philadelphia Republic First Bancorp, Inc. 9/6/1988 30 561 No 3,077,400 0.21 2.65 Riverview Bank Marysville Riverview Financial Corporation 8/6/1904 29 265 No 1,109,649 0.54 5.03 S&T Bank Indiana S&T Bancorp, Inc. 5/21/1902 60 1,051 No 7,555,257 1.49 11.48 Second Federal Savings and Loan Association of Philadelphia Philadelphia 1/1/1924 1 4 No 14,692 (1.08) (2.21) Sewickley Savings Bank Sewickley 1/1/1884 3 21 No 319,216 0.70 2.51 Sharon Bank Springfield Sharon MHC 12/2/1873 6 43 No 173,351 0.14 1.38 Slovenian Savings and Loan Association of Canonsburg Strabane 1/1/1925 1 17 No 431,028 1.22 8.15 Slovenian Savings and Loan Association of Franklin-Conemaugh Conemaugh 1/1/1915 5 31 No 146,286 0.38 3.31 Somerset Trust Company Somerset Somerset Trust Holding Company 1/1/1889 41 409 No 1,310,370 0.90 11.12 SSB Bank (MHC) Pittsburgh SSB Bancorp, MHC 1/1/1922 2 21 No 201,184 0.27 3.07 Standard Bank, PaSB Monroeville Standard AVB Financial Corp. 1/1/1921 19 159 No 990,655 0.89 6.41 Susquehanna Community Bank West Milton Susquehanna Community Financial, Inc. 3/13/1920 7 86 No 473,657 1.19 12.55 Tioga Franklin Savings Bank Philadelphia 3/31/1873 1 10 No 45,305 0.20 1.76 TriState Capital Bank Pittsburgh TriState Capital Holdings, Inc. 1/22/2007 2 219 No 7,113,983 0.95 13.22 Turbotville National Bank Turbotville Turbotville National Bancorp, Inc. 2/1/1910 1 17 No 150,587 1.39 8.31 UNB Bank Mount Carmel UNB Corporation 12/12/1894 2 29 No 146,829 0.31 3.26 United Bank of Philadelphia Philadelphia United Bancshares, Inc. 3/23/1992 3 18 No 49,582 (4.86) (100.63) United Savings Bank Philadelphia 5/29/1912 6 46 No 370,635 0.83 4.88 Univest Bank and Trust Co. Souderton Univest Financial Corporation 4/1/1876 47 765 No 5,332,979 1.46 11.40 Victory Bank Limerick Victory Bancorp, Inc. 1/16/2008 1 43 No 267,272 1.00 10.91 VIST Bank Wyomissing Tompkins Financial Corporation 1/1/1909 23 150 No 1,817,332 0.69 6.27 Washington Financial Bank Washington WFSB Mutual Holding Company 1/1/1899 10 179 No 1,189,253 0.91 7.27 Washington Savings Bank Philadelphia 5/4/1903 4 33 No 159,367 (0.36) (4.30) Wayne Bank Honesdale Norwood Financial Corp. 1/1/1871 26 211 No 1,216,568 1.18 11.39 West View Savings Bank Pittsburgh WVS Financial Corp. 1/1/1908 6 34 No 356,975 0.81 8.98 Westmoreland Federal Savings and Loan Association Latrobe 3/12/1952 1 21 No 171,518 0.18 0.72 William Penn Bank, (MHC) Levittown William Penn, MHC 1/1/1870 6 64 No 417,782 0.95 5.25 Woodlands Bank Williamsport Woodlands Financial Services Company 10/10/1990 8 103 No 424,313 1.32 13.27 York Traditions Bank York 10/28/2002 6 133 No 538,486 1.07 10.19
Source: S&P Global Market Intelligence 166 Pennsylvania – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 First National Bank of Pennsylvania Pittsburgh 4,090 372 24,870,808 66,857 92,104 6,081 8,377 34,262,582 2 BNY Mellon, National Association Pittsburgh 1,606 31 22,598,000 728,968 897,516 14,071 17,324 27,823,000 3 Fulton Bank, National Association Lancaster 2,111 237 17,421,932 73,510 90,989 8,253 10,215 21,564,422 4 Customers Bank Phoenixville 853 15 8,959,537 597,302 781,618 10,504 13,745 11,724,273 5 Northwest Bank Warren 2,218 184 8,809,274 47,876 58,287 3,972 4,835 10,724,895 6 Dollar Bank, Federal Savings Bank Pittsburgh 1,383 76 6,938,817 91,300 118,398 5,017 6,506 8,998,267 7 First Commonwealth Bank Indiana 1,511 148 6,702,493 45,287 54,948 4,436 5,382 8,132,244 8 S&T Bank Indiana 1,051 60 5,989,211 99,820 125,921 5,699 7,189 7,555,257 9 TriState Capital Bank Pittsburgh 219 2 6,132,088 3,066,044 3,556,992 28,000 32,484 7,113,983 10 Univest Bank and Trust Co. Souderton 765 47 4,417,268 93,984 113,468 5,774 6,971 5,332,979 11 Bryn Mawr Trust Company Bryn Mawr 649 44 3,767,681 85,629 109,402 5,805 7,417 4,813,704 12 Firstrust Savings Bank Conshohocken 528 18 2,862,500 159,028 202,886 5,421 6,917 3,651,956 13 CNB Bank Clearfield 567 42 2,876,008 68,476 83,853 5,072 6,211 3,521,841 14 Republic First Bank Philadelphia 561 30 2,746,981 91,566 102,580 4,897 5,486 3,077,400 15 Peoples Security Bank and Trust Company Scranton 392 29 2,006,353 69,185 81,795 5,118 6,051 2,372,060 16 Orrstown Bank Shippensburg 442 37 1,937,163 52,356 62,470 4,383 5,229 2,311,401 17 Penn Community Bank Doylestown 337 27 1,660,435 61,498 85,163 4,927 6,823 2,299,414 18 Mid Penn Bank Millersburg 411 38 1,890,335 49,746 59,174 4,599 5,471 2,248,606 19 PeoplesBank, A Codorus Valley Company York 353 38 1,562,942 41,130 49,098 4,428 5,285 1,865,737 20 VIST Bank Wyomissing 150 23 1,391,677 60,508 79,014 9,278 12,116 1,817,332 21 ESSA Bank & Trust Stroudsburg 253 23 1,349,663 58,681 78,086 5,335 7,099 1,795,986 22 ACNB Bank Gettysburg 334 29 1,426,126 49,177 59,379 4,270 5,156 1,721,986 23 Citizens & Northern Bank Wellsboro 331 27 1,302,218 48,230 60,255 3,934 4,915 1,626,874 24 First Citizens Community Bank Mansfield 255 28 1,207,072 43,110 52,647 4,734 5,781 1,474,115 25 NexTier Bank, National Association Butler 273 29 1,214,642 41,884 48,142 4,449 5,114 1,396,113 26 Community Bank Carmichaels 270 28 1,127,409 40,265 47,365 4,176 4,912 1,326,222 27 Somerset Trust Company Somerset 409 41 1,045,992 25,512 31,960 2,557 3,204 1,310,370 28 Farmers and Merchants Trust Company of Chambersburg Chambersburg 280 24 1,160,116 48,338 54,261 4,143 4,651 1,302,271 29 Prudential Bank Philadelphia 87 11 748,781 68,071 117,191 8,607 14,817 1,289,103 30 Malvern Bank, National Association Paoli 82 9 968,009 107,557 140,456 11,805 15,416 1,264,106 31 Jersey Shore State Bank Williamsport 253 18 944,280 52,460 69,066 3,732 4,914 1,243,195 32 QNB Bank Quakertown 200 13 1,048,189 80,630 94,946 5,241 6,171 1,234,295 33 Wayne Bank Honesdale 211 26 976,699 37,565 46,791 4,629 5,766 1,216,568 34 FNCB Bank Dunmore 223 17 964,231 56,719 70,217 4,324 5,353 1,193,693 35 Washington Financial Bank Washington 179 10 1,033,040 103,304 118,925 5,771 6,644 1,189,253 36 Embassy Bank for the Lehigh Valley Bethlehem 92 9 1,035,318 115,035 129,085 11,253 12,628 1,161,768 37 AmeriServ Financial Bank Johnstown 238 17 970,189 57,070 68,096 4,076 4,864 1,157,626 38 Ephrata National Bank Ephrata 263 16 947,180 59,199 71,587 3,601 4,355 1,145,395 39 Meridian Bank Malvern 247 7 858,711 122,673 160,991 3,477 4,562 1,126,937 40 DNB First, National Association Downingtown 156 14 932,385 66,599 79,548 5,977 7,139 1,113,665 41 Riverview Bank Marysville 265 29 969,914 33,445 38,264 3,660 4,187 1,109,649 42 1st Summit Bank Johnstown 185 16 959,849 59,991 68,643 5,188 5,937 1,098,294 43 First Keystone Community Bank Berwick 198 18 752,026 41,779 56,570 3,798 5,143 1,018,262 44 Fidelity Deposit and Discount Bank Dunmore 191 13 852,625 65,587 78,037 4,464 5,311 1,014,480 45 Standard Bank, PaSB Monroeville 159 19 739,641 38,928 52,140 4,652 6,231 990,655 46 First National Bank and Trust Company of Newtown Newtown 144 16 816,364 51,023 59,652 5,669 6,628 954,433 47 Farmers National Bank of Emlenton Emlenton 160 20 808,048 40,402 46,805 5,050 5,851 936,100 48 First Federal Savings and Loan Association of Greene County Waynesburg 122 8 784,215 98,027 116,308 6,428 7,627 930,465 49 Marquette Savings Bank Erie 134 11 744,987 67,726 83,257 5,560 6,835 915,831 50 Kish Bank Belleville 207 15 695,707 46,380 60,021 3,361 4,349 900,308
Source: S&P Global Market Intelligence 167 Pennsylvania – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 United Bank of Philadelphia Philadelphia 49,582 6.13 (20.54) 0.13 (9.22) 68.27 2.34 4.99 2 Port Richmond Savings Philadelphia 80,434 6.04 9.05 1.59 11.19 171.15 NA 4.54 3 Victory Bank Limerick 267,272 5.79 6.06 1.40 9.31 100.05 2.73 4.38 4 Firstrust Savings Bank Conshohocken 3,651,956 5.43 9.82 0.80 8.03 113.62 2.57 4.27 5 Somerset Trust Company Somerset 1,310,370 5.82 11.63 0.83 6.32 86.88 4.08 4.26 6 Riverview Bank Marysville 1,109,649 5.38 (3.52) 0.73 (5.02) 91.13 3.04 4.24 7 Honesdale National Bank Honesdale 706,178 5.19 6.60 0.55 10.95 89.57 3.36 4.18 8 Altoona First Savings Bank Altoona 232,092 5.63 9.10 0.96 6.10 89.66 2.73 4.17 8 NexTier Bank, National Association Butler 1,396,113 5.18 8.08 0.60 7.46 90.88 2.86 4.17 10 Fulton Bank, National Association Lancaster 21,564,422 5.49 75.12 0.92 92.13 96.07 3.70 4.13 11 Dime Bank Honesdale 722,314 5.38 5.97 0.75 11.03 94.70 3.19 4.12 12 Tioga Franklin Savings Bank Philadelphia 45,305 6.09 4.18 1.84 10.07 109.65 4.55 4.09 13 Northwest Bank Warren 10,724,895 4.79 10.84 0.55 8.93 100.82 2.44 4.05 14 Apollo Trust Company Apollo 158,778 4.74 4.66 0.48 (1.71) 88.89 3.88 3.96 15 Centric Bank Harrisburg 790,303 5.64 8.84 1.50 9.26 103.86 3.27 3.92 16 Commercial Bank & Trust of PA Latrobe 431,507 4.51 5.12 0.47 0.01 72.88 4.45 3.91 16 ACNB Bank Gettysburg 1,721,986 4.93 1.39 0.60 4.90 90.55 2.16 3.91 18 Community State Bank of Orbisonia Orbisonia 328,272 5.03 0.63 1.00 (0.35) 99.47 2.44 3.90 19 Hamlin Bank and Trust Company Smethport 388,506 5.37 0.91 0.72 (7.65) 81.88 3.12 3.88 20 Citizens & Northern Bank Wellsboro 1,626,874 5.23 38.68 0.68 23.78 87.65 2.77 3.86 21 Bryn Mawr Trust Company Bryn Mawr 4,813,704 5.07 4.75 0.99 9.69 94.13 2.45 3.83 21 Woodlands Bank Williamsport 424,313 5.16 6.65 0.69 2.91 86.60 3.01 3.83 23 First Resource Bank Exton 322,311 5.56 17.21 1.51 18.77 103.92 2.41 3.82 24 Elderton State Bank Elderton 294,730 5.34 1.97 1.26 7.39 98.67 2.73 3.81 25 Clarion County Community Bank Clarion 173,529 5.52 1.83 1.32 12.09 87.20 3.25 3.79 26 Farmers and Merchants Trust Company of Chambersburg Chambersburg 1,302,271 4.71 (3.39) 0.53 8.21 80.95 2.87 3.78 27 First Commonwealth Bank Indiana 8,132,244 4.89 7.91 0.65 13.37 91.31 2.62 3.76 28 Univest Bank and Trust Co. Souderton 5,332,979 4.79 10.05 0.88 13.37 96.32 2.61 3.71 29 PeoplesBank, A Codorus Valley Company York 1,865,737 5.28 0.16 1.27 6.12 96.00 2.48 3.70 29 William Penn Bank, (MHC) Levittown 417,782 5.06 1.31 1.21 1.92 114.15 2.97 3.70 31 Mid Penn Bank Millersburg 2,248,606 5.29 9.37 1.23 6.98 90.86 2.58 3.69 32 Covenant Bank Doylestown 512,146 5.38 4.09 1.46 4.06 109.17 3.35 3.68 33 National Bank of Malvern Malvern 151,623 4.71 (3.49) 0.73 2.86 87.25 3.01 3.65 33 First Citizens Community Bank Mansfield 1,474,115 5.00 5.20 0.83 2.16 92.49 2.69 3.65 35 Meridian Bank Malvern 1,126,937 5.54 17.08 1.80 9.82 114.65 2.62 3.64 35 Luzerne Bank Luzerne 461,170 4.62 1.61 0.56 12.50 89.33 3.25 3.64 35 First Northern Bank and Trust Company Palmerton 717,434 4.71 5.59 0.62 (1.07) 90.04 3.12 3.64 38 CNB Bank Clearfield 3,521,841 5.04 15.29 1.06 14.01 95.39 2.89 3.63 38 S&T Bank Indiana 7,555,257 4.94 6.75 1.14 9.20 103.59 2.58 3.63 40 Second Federal Savings and Loan Association of Philadelphia Philadelphia 14,692 5.51 33.20 1.52 38.82 92.22 3.10 3.62 40 Muncy Bank and Trust Company Muncy 493,232 5.17 5.52 1.30 10.07 88.43 2.93 3.62 42 Community Bank Carmichaels 1,326,222 4.67 3.45 0.66 5.94 82.68 2.88 3.61 43 InFirst Bank Indiana 420,251 5.14 0.67 1.52 12.01 97.82 3.07 3.60 44 Jonestown Bank and Trust Co. Jonestown 630,445 4.84 5.59 0.96 11.05 99.64 2.58 3.58 45 Fleetwood Bank Fleetwood 255,366 4.67 4.26 0.35 1.79 77.17 2.09 3.57 45 Fidelity Deposit and Discount Bank Dunmore 1,014,480 4.69 6.41 0.70 9.27 88.08 3.21 3.57 45 Juniata Valley Bank Mifflintown 665,871 5.15 (3.05) 0.80 1.35 75.46 2.40 3.57 45 Hyperion Bank Philadelphia 170,771 6.28 80.63 2.16 107.54 105.66 2.61 3.57 49 First United National Bank Fryburg 268,168 4.88 0.62 0.45 0.88 69.48 2.13 3.55 49 York Traditions Bank York 538,486 5.07 14.43 1.27 16.78 99.15 2.85 3.55 49 Bank of Landisburg Landisburg 300,236 5.16 2.93 1.05 0.82 89.70 1.85 3.55 49 Mercer County State Bank Sandy Lake 437,384 5.20 4.82 0.84 6.67 72.23 2.99 3.55
Source: S&P Global Market Intelligence 168 Pennsylvania – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Meridian Bank Malvern 1,126,937 9,708 0.01 2.42 0.03 0.00 31,440 3.16 2 BNY Mellon, National Association Pittsburgh 27,823,000 291,349 0.03 0.00 0.01 0.00 795,128 2.97 3 Atlantic Community Bankers Bank Camp Hill 820,886 4,299 0.00 0.00 0.00 0.00 20,313 2.61 4 Huntingdon Valley Bank Huntingdon Valley 353,358 954 0.02 1.13 0.00 0.00 5,796 1.83 5 Quaint Oak Bank Southampton 292,505 2,771 0.00 1.13 0.00 0.00 4,781 1.75 6 Bryn Mawr Trust Company Bryn Mawr 4,813,704 55,780 0.07 0.07 0.02 0.00 63,087 1.38 7 Citizens & Northern Bank Wellsboro 1,626,874 20,283 0.37 0.05 0.01 (0.01) 19,065 1.33 8 Univest Bank and Trust Co. Souderton 5,332,979 74,205 0.12 0.09 0.02 0.00 63,781 1.25 9 Fulton Bank, National Association Lancaster 21,564,422 235,493 0.28 0.11 0.04 0.00 197,078 1.24 10 York Traditions Bank York 538,486 5,299 0.07 0.86 0.00 0.00 5,940 1.20 11 First Commonwealth Bank Indiana 8,132,244 112,270 0.23 0.14 0.00 (0.01) 83,762 1.06 11 Somerset Trust Company Somerset 1,310,370 11,340 0.16 0.07 0.06 (0.03) 13,342 1.06 13 Farmers and Merchants Trust Company of Chambersburg Chambersburg 1,302,271 15,810 0.24 0.00 0.00 0.00 12,930 1.05 14 Orrstown Bank Shippensburg 2,311,401 18,949 0.15 0.10 0.01 0.00 21,664 1.02 15 Ephrata National Bank Ephrata 1,145,395 11,023 0.12 0.17 0.00 0.00 10,529 0.95 15 FNCB Bank Dunmore 1,193,693 15,375 0.13 0.02 0.01 0.00 11,576 0.95 17 Enterprise Bank Allison Park 310,815 1,733 0.14 0.00 0.00 0.01 2,808 0.94 17 First Columbia Bank & Trust Co. Bloomsburg 753,804 8,622 0.21 0.11 0.05 0.00 6,823 0.94 19 Northwest Bank Warren 10,724,895 116,041 0.20 0.02 0.01 0.00 94,598 0.91 20 Fidelity Deposit and Discount Bank Dunmore 1,014,480 12,669 0.23 0.07 0.02 (0.01) 8,614 0.89 20 Woodlands Bank Williamsport 424,313 5,517 0.15 0.02 0.00 0.00 3,704 0.89 22 Kish Bank Belleville 900,308 7,299 0.19 0.11 0.01 0.00 7,344 0.85 23 Noah Bank Elkins Park 444,259 (6,994) 0.12 0.41 0.05 0.00 3,586 0.84 24 Firstrust Savings Bank Conshohocken 3,651,956 41,128 0.15 0.18 0.13 0.01 28,070 0.83 25 Juniata Valley Bank Mifflintown 665,871 5,714 0.28 0.00 0.01 0.03 5,101 0.80 26 Apollo Trust Company Apollo 158,778 1,782 0.29 0.00 0.00 0.00 1,279 0.79 27 First National Bank of Pennsylvania Pittsburgh 34,262,582 411,184 0.22 0.09 0.01 0.00 257,680 0.77 28 Republic First Bank Philadelphia 3,077,400 6,103 0.09 0.38 0.02 0.00 21,425 0.75 29 Riverview Bank Marysville 1,109,649 6,129 0.22 0.04 0.00 0.00 8,356 0.74 29 PeoplesBank, A Codorus Valley Company York 1,865,737 19,209 0.14 0.06 0.01 0.00 13,590 0.74 29 Honesdale National Bank Honesdale 706,178 8,772 0.13 0.08 0.08 0.00 4,947 0.74 32 S&T Bank Indiana 7,555,257 107,566 0.17 0.02 0.01 (0.01) 52,715 0.73 32 Mercer County State Bank Sandy Lake 437,384 3,853 0.21 0.02 0.01 0.02 3,033 0.73 34 First National Bank and Trust Company of Newtown Newtown 954,433 11,672 0.06 0.00 0.00 0.00 6,720 0.72 34 PS Bank Wyalusing 405,662 4,435 0.14 0.00 0.05 0.01 2,750 0.72 36 Customers Bank Phoenixville 11,724,273 73,962 0.11 0.01 0.01 0.00 73,558 0.71 36 Community Bank Carmichaels 1,326,222 12,090 0.13 0.02 0.02 0.01 9,169 0.71 36 Northumberland National Bank Northumberland 543,599 3,529 0.07 0.10 0.08 (0.01) 3,770 0.71 39 Reliance Savings Bank Altoona 558,805 3,317 0.11 0.21 0.06 0.00 3,751 0.70 40 ACNB Bank Gettysburg 1,721,986 23,914 0.23 0.03 0.00 0.00 11,319 0.69 41 Commercial Bank & Trust of PA Latrobe 431,507 4,647 0.05 0.00 0.00 0.00 2,817 0.68 42 Community State Bank of Orbisonia Orbisonia 328,272 2,504 0.14 0.00 0.00 0.00 2,216 0.67 43 CNB Bank Clearfield 3,521,841 39,655 0.19 0.02 0.02 0.01 21,612 0.66 44 Jersey Shore State Bank Williamsport 1,243,195 14,027 0.15 0.11 0.00 (0.01) 7,814 0.64 45 Phoenixville Federal Bank and Trust Phoenixville 456,520 3,552 0.11 0.00 0.00 0.00 2,738 0.61 45 Peoples Security Bank and Trust Company Scranton 2,372,060 27,190 0.12 0.00 0.03 0.00 14,104 0.61 45 Jonestown Bank and Trust Co. Jonestown 630,445 5,042 0.21 0.07 0.02 0.01 3,711 0.61 48 Fleetwood Bank Fleetwood 255,366 1,904 0.18 0.03 0.00 0.00 1,553 0.60 49 First Citizens Community Bank Mansfield 1,474,115 19,865 0.16 0.03 0.02 0.00 8,463 0.59 50 Susquehanna Community Bank West Milton 473,657 5,422 0.13 0.11 0.02 0.01 2,651 0.58 50 First Keystone Community Bank Berwick 1,018,262 10,141 0.16 0.03 0.01 0.00 5,844 0.58
Source: S&P Global Market Intelligence 169 Pennsylvania – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Sewickley Savings Bank Sewickley 319,216 53.58 21 3 0.67 0.08 0.25 1.00 2 Slovenian Savings and Loan Association of Canonsburg Strabane 431,028 38.93 17 1 0.67 0.07 0.29 1.03 3 West View Savings Bank Pittsburgh 356,975 48.76 34 6 0.72 0.07 0.27 1.06 4 Armstrong County Building and Loan Association Ford City 86,870 77.86 7 1 0.53 0.07 0.57 1.18 5 TriState Capital Bank Pittsburgh 7,113,983 54.06 219 2 0.73 0.08 0.39 1.21 6 Prudential Bank Philadelphia 1,289,103 57.84 87 11 0.75 0.14 0.47 1.35 7 Malvern Bank, National Association Paoli 1,264,106 50.64 82 9 0.73 0.17 0.52 1.43 8 Farmers Building and Savings Bank Rochester 99,277 64.16 6 1 0.85 0.15 0.43 1.43 9 Neffs National Bank Neffs 370,407 49.59 42 1 0.83 0.19 0.48 1.50 10 Westmoreland Federal Savings and Loan Association Latrobe 171,518 86.84 21 1 0.98 0.13 0.40 1.51 11 American Bank Allentown 649,790 46.65 57 1 0.82 0.17 0.53 1.52 12 Hatboro Federal Savings, FA Hatboro 513,312 58.96 42 4 0.93 0.14 0.60 1.67 13 United Savings Bank Philadelphia 370,635 61.49 46 6 1.20 0.13 0.44 1.78 14 Bank of Bird-in-Hand Bird in Hand 452,535 56.26 63 4 1.05 0.15 0.60 1.80 15 Turbotville National Bank Turbotville 150,587 49.17 17 1 1.02 0.06 0.72 1.80 16 Elderton State Bank Elderton 294,730 47.30 50 3 1.15 0.18 0.52 1.86 17 Ambler Savings Bank Ambler 414,671 63.54 56 8 1.08 0.23 0.55 1.86 18 Harleysville Bank Harleysville 780,323 53.30 113 8 1.09 0.18 0.62 1.89 19 Embassy Bank for the Lehigh Valley Bethlehem 1,161,768 59.37 92 9 0.92 0.27 0.71 1.91 20 New Tripoli Bank New Tripoli 499,101 60.29 61 3 1.10 0.19 0.62 1.92 21 First National Bank of Pennsylvania Pittsburgh 34,262,582 52.63 4,090 372 1.07 0.34 0.52 1.94 22 1st Summit Bank Johnstown 1,098,294 59.51 185 16 1.14 0.28 0.54 1.97 23 First Federal Savings and Loan Association of Greene County Waynesburg 930,465 73.55 122 8 1.28 0.21 0.54 2.03 24 Asian Bank Philadelphia 228,887 57.21 34 2 0.87 0.27 0.91 2.04 25 ESSA Bank & Trust Stroudsburg 1,795,986 67.76 253 23 1.26 0.23 0.56 2.05 26 Mifflinburg Bank & Trust Company Mifflinburg 452,068 58.71 80 7 1.21 0.23 0.66 2.11 27 S&T Bank Indiana 7,555,257 50.74 1,051 60 1.11 0.28 0.72 2.11 28 Greenville Savings Bank Greenville 243,315 70.03 43 3 1.27 0.28 0.58 2.12 29 Standard Bank, PaSB Monroeville 990,655 61.18 159 19 1.30 0.24 0.60 2.13 30 Jersey Shore State Bank Williamsport 1,243,195 58.70 253 18 1.26 0.33 0.55 2.14 31 Covenant Bank Doylestown 512,146 58.45 53 3 1.34 0.15 0.66 2.15 32 Brentwood Bank Bethel Park 694,979 70.18 81 12 1.23 0.25 0.71 2.18 33 Gratz Bank Gratz 358,924 58.23 47 5 1.17 0.17 0.85 2.19 34 Wayne Bank Honesdale 1,216,568 58.04 211 26 1.20 0.31 0.69 2.20 35 Customers Bank Phoenixville 11,724,273 66.93 853 15 1.03 0.12 1.05 2.20 36 Milton Savings Bank Milton 62,240 64.04 11 1 0.93 0.20 1.09 2.21 37 First National Bank and Trust Company of Newtown Newtown 954,433 58.65 144 16 1.30 0.32 0.60 2.21 38 Bank of Landisburg Landisburg 300,236 59.79 51 4 1.15 0.10 0.96 2.21 39 Huntingdon Savings Bank Huntingdon 16,602 73.31 2 1 1.37 0.13 0.73 2.24 40 SSB Bank (MHC) Pittsburgh 201,184 84.85 21 2 1.07 0.19 0.99 2.25 41 Slovenian Savings and Loan Association of Franklin-Conemaugh Conemaugh 146,286 81.70 31 5 1.06 0.27 0.92 2.25 42 First Citizens Community Bank Mansfield 1,474,115 54.72 255 28 1.39 0.19 0.68 2.26 43 First Keystone Community Bank Berwick 1,018,262 65.47 198 18 1.20 0.25 0.82 2.27 44 National Bank of Malvern Malvern 151,623 58.13 24 2 1.47 0.19 0.61 2.27 45 QNB Bank Quakertown 1,234,295 63.95 200 13 1.29 0.26 0.72 2.27 46 VIST Bank Wyomissing 1,817,332 67.59 150 23 0.86 0.24 1.17 2.28 47 Marquette Savings Bank Erie 915,831 68.68 134 11 1.14 0.39 0.77 2.30 48 Susquehanna Community Bank West Milton 473,657 63.14 86 7 1.36 0.38 0.56 2.30 49 Luzerne Bank Luzerne 461,170 62.03 77 9 1.33 0.37 0.63 2.33 50 Hamlin Bank and Trust Company Smethport 388,506 56.49 89 8 1.28 0.27 0.80 2.35
Source: S&P Global Market Intelligence 170 Pennsylvania – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 West View Savings Bank Pittsburgh 356,975 90,870 0.59 0.00 0.00 0.00 0.00 0.00 1 Second Federal Savings and Loan Association of Philadelphia Philadelphia 14,692 7,868 1.02 0.00 0.00 0.00 0.00 0.00 3 TriState Capital Bank Pittsburgh 7,113,983 6,016,680 0.22 0.01 0.00 0.07 (0.04) 0.05 4 Mars Bank Mars 403,365 264,326 0.98 0.04 0.00 0.02 0.00 0.06 5 Bank of Bird-in-Hand Bird in Hand 452,535 366,945 0.86 0.04 0.00 0.04 0.00 0.08 6 Sewickley Savings Bank Sewickley 319,216 61,917 1.37 0.04 0.00 0.06 0.00 0.10 7 Commercial Bank & Trust of PA Latrobe 431,507 237,716 0.58 0.02 0.00 0.15 (0.01) 0.16 8 Atlantic Community Bankers Bank Camp Hill 820,886 372,527 2.16 0.00 0.00 0.31 (0.13) 0.18 9 United Savings Bank Philadelphia 370,635 160,885 0.79 0.19 0.00 0.00 0.00 0.19 10 Kish Bank Belleville 900,308 676,960 1.10 0.10 0.00 0.29 (0.06) 0.33 11 Washington Savings Bank Philadelphia 159,367 132,998 0.56 0.03 0.14 0.13 0.05 0.35 12 Mid Penn Bank Millersburg 2,248,606 1,717,550 0.54 0.01 0.00 0.32 0.02 0.35 13 Brentwood Bank Bethel Park 694,979 546,652 0.84 0.00 0.00 0.35 0.00 0.35 14 Embassy Bank for the Lehigh Valley Bethlehem 1,161,768 986,754 0.79 0.03 0.00 0.29 0.07 0.39 15 Fleetwood Bank Fleetwood 255,366 176,013 1.11 0.10 0.00 0.33 (0.01) 0.42 16 UNB Bank Mount Carmel 146,829 92,191 0.84 0.35 0.05 0.01 0.01 0.43 17 BNY Mellon, National Association Pittsburgh 27,823,000 16,024,000 0.16 0.37 0.00 0.07 0.00 0.45 18 Customers Bank Phoenixville 11,724,273 10,277,621 0.50 0.14 0.03 0.25 0.06 0.49 19 AmeriServ Financial Bank Johnstown 1,157,626 875,082 0.95 0.27 0.00 0.22 0.03 0.53 20 LINKBANK Camp Hill 195,055 110,388 0.86 0.53 0.00 0.17 (0.16) 0.53 21 Penn Community Bank Doylestown 2,299,414 1,628,623 0.79 0.04 0.01 0.48 0.01 0.54 22 Victory Bank Limerick 267,272 238,602 0.90 0.29 0.00 0.12 0.16 0.57 23 Standard Bank, PaSB Monroeville 990,655 729,333 0.65 0.12 0.00 0.39 0.07 0.58 24 Iron Workers Savings Bank Aston 176,992 136,018 0.59 0.39 0.00 0.19 0.00 0.58 25 American Bank Allentown 649,790 514,263 1.32 0.34 0.00 0.24 0.00 0.58 26 Phoenixville Federal Bank and Trust Phoenixville 456,520 353,358 0.93 0.15 0.00 0.48 0.00 0.63 27 Wayne Bank Honesdale 1,216,568 906,023 0.93 0.15 0.00 0.33 0.15 0.63 28 Ephrata National Bank Ephrata 1,145,395 739,682 1.28 0.19 0.04 0.45 0.00 0.68 29 Washington Financial Bank Washington 1,189,253 860,826 1.17 0.09 0.00 0.56 0.04 0.69 30 Firstrust Savings Bank Conshohocken 3,651,956 3,252,295 1.58 0.23 0.00 0.46 0.07 0.76 31 PS Bank Wyalusing 405,662 242,918 1.15 0.16 0.00 0.57 0.08 0.81 32 Peoples Security Bank and Trust Company Scranton 2,372,060 1,882,480 1.19 0.17 0.02 0.59 0.06 0.84 33 York Traditions Bank York 538,486 436,884 0.91 0.15 0.00 0.66 0.03 0.84 34 Bryn Mawr Trust Company Bryn Mawr 4,813,704 3,546,514 0.59 0.15 0.00 0.53 0.19 0.87 35 Asian Bank Philadelphia 228,887 179,576 1.36 0.00 0.00 0.94 (0.05) 0.89 36 Pennian Bank Mifflintown 536,375 358,636 1.09 0.21 0.07 0.53 0.11 0.92 37 Meridian Bank Malvern 1,126,937 986,368 0.95 0.27 0.00 0.70 (0.04) 0.93 38 Riverview Bank Marysville 1,109,649 883,842 0.80 0.43 0.01 0.34 0.18 0.96 39 First Commonwealth Bank Indiana 8,132,244 6,119,836 0.82 0.20 0.03 0.57 0.20 1.01 40 VIST Bank Wyomissing 1,817,332 1,336,706 0.71 0.06 0.08 0.64 0.24 1.02 41 ACNB Bank Gettysburg 1,721,986 1,291,295 1.08 0.29 0.13 0.54 0.06 1.03 42 Dollar Bank, Federal Savings Bank Pittsburgh 8,998,267 7,316,751 0.65 0.28 0.02 0.68 0.06 1.04 43 First National Bank and Trust Company of Newtown Newtown 954,433 381,317 1.18 0.64 0.01 0.44 0.00 1.08 44 Community Bank Carmichaels 1,326,222 932,198 1.05 0.18 0.05 0.81 0.05 1.09 45 NexTier Bank, National Association Butler 1,396,113 1,103,834 0.73 0.54 0.06 0.49 0.01 1.10 46 Orrstown Bank Shippensburg 2,311,401 1,600,715 0.93 0.33 0.19 0.58 0.01 1.11 47 Jim Thorpe Neighborhood Bank Jim Thorpe 201,613 92,871 1.00 0.52 0.00 0.55 0.05 1.12 48 Investment Savings Bank Altoona 101,502 48,395 0.67 0.66 0.00 0.46 0.01 1.13 49 1st Summit Bank Johnstown 1,098,294 563,492 0.95 0.22 0.28 0.51 0.16 1.17 50 Gratz Bank Gratz 358,924 237,315 1.11 0.78 0.03 0.35 0.01 1.18
Source: S&P Global Market Intelligence 171 Pennsylvania – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Jersey Shore State Bank Williamsport 1,243,195 14,027 253 55 9,495 9,726 1.14 14.97 2 ACNB Bank Gettysburg 1,721,986 23,914 334 72 18,685 10,314 1.45 14.71 3 First National Bank and Trust Company of Newtown Newtown 954,433 11,672 144 81 6,897 5,599 1.24 14.58 4 Fulton Bank, National Association Lancaster 21,564,422 235,493 2,111 112 107,355 117,990 1.49 14.02 5 First Citizens Community Bank Mansfield 1,474,115 19,865 255 78 16,140 13,858 1.38 13.79 6 NexTier Bank, National Association Butler 1,396,113 18,409 273 67 14,020 10,641 1.42 13.28 7 Woodlands Bank Williamsport 424,313 5,517 103 54 3,702 3,645 1.32 13.27 8 TriState Capital Bank Pittsburgh 7,113,983 59,033 219 270 49,455 29,850 0.95 13.22 9 Farmers and Merchants Trust Company of Chambersburg Chambersburg 1,302,271 15,810 280 56 (4,071) 11,936 1.28 13.16 10 Fidelity Deposit and Discount Bank Dunmore 1,014,480 12,669 191 66 11,327 9,040 1.30 13.00 11 American Bank Allentown 649,790 8,500 57 149 6,917 5,503 1.35 12.98 12 Asian Bank Philadelphia 228,887 2,359 34 69 1,765 1,494 1.09 12.91 13 PS Bank Wyalusing 405,662 4,435 70 63 4,413 3,258 1.15 12.87 14 FNCB Bank Dunmore 1,193,693 15,375 223 69 1,116 8,815 1.27 12.63 15 Susquehanna Community Bank West Milton 473,657 5,422 86 63 5,130 4,648 1.19 12.55 16 CNB Bank Clearfield 3,521,841 39,655 567 70 30,342 28,010 1.21 12.32 17 Gratz Bank Gratz 358,924 3,843 47 82 3,164 3,019 1.14 12.23 18 Embassy Bank for the Lehigh Valley Bethlehem 1,161,768 10,857 92 118 8,931 8,331 0.97 11.99 18 Harleysville Bank Harleysville 780,323 8,892 113 79 7,804 6,238 1.14 11.99 20 Elderton State Bank Elderton 294,730 3,928 50 79 3,255 2,662 1.39 11.94 21 Mifflinburg Bank & Trust Company Mifflinburg 452,068 4,999 80 62 4,441 4,267 1.13 11.63 22 QNB Bank Quakertown 1,234,295 11,537 200 58 8,790 9,514 0.97 11.62 23 S&T Bank Indiana 7,555,257 107,566 1,051 102 91,344 81,190 1.49 11.48 24 Univest Bank and Trust Co. Souderton 5,332,979 74,205 765 97 48,211 46,256 1.46 11.40 25 Wayne Bank Honesdale 1,216,568 14,238 211 67 10,908 10,652 1.18 11.39 26 Dime Bank Honesdale 722,314 8,991 153 59 6,078 6,604 1.30 11.38 27 Muncy Bank and Trust Company Muncy 493,232 5,177 98 53 3,532 3,775 1.10 11.14 28 Somerset Trust Company Somerset 1,310,370 11,340 409 28 7,754 8,899 0.90 11.12 29 Victory Bank Limerick 267,272 2,573 43 60 2,020 1,520 1.00 10.91 30 First Commonwealth Bank Indiana 8,132,244 112,270 1,511 74 89,986 73,596 1.42 10.90 31 Merchants Bank of Bangor Bangor 412,764 3,792 89 43 3,174 2,447 0.94 10.86 32 1st Summit Bank Johnstown 1,098,294 11,017 185 60 10,367 10,411 1.02 10.79 33 Apollo Trust Company Apollo 158,778 1,782 43 41 1,365 1,319 1.10 10.76 34 Citizens & Northern Bank Wellsboro 1,626,874 20,283 331 61 18,642 15,481 1.41 10.59 35 Ephrata National Bank Ephrata 1,145,395 11,023 263 42 8,164 7,607 0.99 10.39 36 Covenant Bank Doylestown 512,146 5,047 53 95 1,750 (358) 1.04 10.24 37 York Traditions Bank York 538,486 5,299 133 40 4,462 2,942 1.07 10.19 38 PeoplesBank, A Codorus Valley Company York 1,865,737 19,209 353 54 17,278 14,766 1.05 10.17 39 First United National Bank Fryburg 268,168 2,533 64 40 1,876 2,131 0.96 10.14 40 Kish Bank Belleville 900,308 7,299 207 35 5,643 5,466 0.84 9.80 41 Centric Bank Harrisburg 790,303 8,258 126 66 7,318 4,850 1.10 9.77 42 Quaint Oak Bank Southampton 292,505 2,771 76 36 1,695 1,790 1.02 9.76 43 Peoples Security Bank and Trust Company Scranton 2,372,060 27,190 392 69 21,280 20,654 1.18 9.75 44 Orrstown Bank Shippensburg 2,311,401 18,949 442 43 13,158 11,366 0.89 9.71 45 First Columbia Bank & Trust Co. Bloomsburg 753,804 8,622 170 51 7,311 7,301 1.19 9.53 46 Marion Center Bank Indiana 320,066 2,201 81 27 1,884 1,446 0.70 9.48 47 Hometown Bank of Pennsylvania Bedford 219,753 1,617 54 30 550 1,305 0.83 9.28 48 Mercer County State Bank Sandy Lake 437,384 3,853 100 39 3,239 2,733 0.93 9.24 48 First Keystone Community Bank Berwick 1,018,262 10,141 198 51 9,093 8,697 1.01 9.24 50 Jonestown Bank and Trust Co. Jonestown 630,445 5,042 156 32 5,066 4,202 0.83 9.23
Source: S&P Global Market Intelligence 172 Pennsylvania – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 ACNB Bank Gettysburg 1,721,986 16 40 57 41 2 31.2 2 First Commonwealth Bank Indiana 8,132,244 27 11 67 39 30 34.8 3 Fidelity Deposit and Discount Bank Dunmore 1,014,480 45 20 70 57 10 40.4 4 NexTier Bank, National Association Butler 1,396,113 8 81 63 45 6 40.6 5 S&T Bank Indiana 7,555,257 38 32 27 85 23 41.0 6 First National Bank and Trust Company of Newtown Newtown 954,433 89 34 37 43 3 41.2 6 Univest Bank and Trust Co. Souderton 5,332,979 28 8 84 62 24 41.2 8 Wayne Bank Honesdale 1,216,568 65 58 34 27 25 41.8 9 PS Bank Wyalusing 405,662 75 34 58 31 13 42.2 10 CNB Bank Clearfield 3,521,841 38 43 64 63 16 44.8 11 Bryn Mawr Trust Company Bryn Mawr 4,813,704 21 6 113 34 51 45.0 12 Peoples Security Bank and Trust Company Scranton 2,372,060 53 45 53 32 43 45.2 13 First Citizens Community Bank Mansfield 1,474,115 33 49 42 98 5 45.4 14 Fulton Bank, National Association Lancaster 21,564,422 10 9 123 82 4 45.6 15 American Bank Allentown 649,790 85 106 11 25 11 47.6 15 Ephrata National Bank Ephrata 1,145,395 56 15 104 28 35 47.6 17 Gratz Bank Gratz 358,924 60 84 33 50 17 48.8 17 York Traditions Bank York 538,486 49 10 115 33 37 48.8 19 First National Bank of Pennsylvania Pittsburgh 34,262,582 81 27 21 54 63 49.2 20 Apollo Trust Company Apollo 158,778 14 26 118 60 33 50.2 20 Commercial Bank & Trust of PA Latrobe 431,507 16 41 114 7 73 50.2 20 Firstrust Savings Bank Conshohocken 3,651,956 4 24 131 30 62 50.2 23 Mid Penn Bank Millersburg 2,248,606 31 69 73 12 67 50.4 24 Asian Bank Philadelphia 228,887 62 120 24 35 12 50.6 24 Citizens & Northern Bank Wellsboro 1,626,874 20 7 116 76 34 50.6 24 Kish Bank Belleville 900,308 69 22 112 10 40 50.6 24 Northwest Bank Warren 10,724,895 13 19 97 68 56 50.6 28 Honesdale National Bank Honesdale 706,178 7 29 93 66 60 51.0 29 Farmers and Merchants Trust Company of Chambersburg Chambersburg 1,302,271 26 13 111 97 9 51.2 30 Community Bank Carmichaels 1,326,222 42 36 77 44 58 51.4 30 TriState Capital Bank Pittsburgh 7,113,983 134 107 5 3 8 51.4 32 Embassy Bank for the Lehigh Valley Bethlehem 1,161,768 95 112 19 14 18 51.6 33 Jersey Shore State Bank Williamsport 1,243,195 93 44 30 92 1 52.0 34 Woodlands Bank Williamsport 424,313 21 20 109 110 7 53.4 35 FNCB Bank Dunmore 1,193,693 83 15 60 99 14 54.2 35 Meridian Bank Malvern 1,126,937 35 1 137 37 61 54.2 35 Susquehanna Community Bank West Milton 473,657 100 50 48 58 15 54.2 38 Muncy Bank and Trust Company Muncy 493,232 40 56 79 70 27 54.4 38 Somerset Trust Company Somerset 1,310,370 5 11 132 96 28 54.4 40 Merchants Bank of Bangor Bangor 412,764 54 70 75 51 31 56.2 41 First Columbia Bank & Trust Co. Bloomsburg 753,804 84 17 54 83 45 56.6 41 Mifflinburg Bank & Trust Company Mifflinburg 452,068 85 67 26 84 21 56.6 41 Victory Bank Limerick 267,272 3 122 107 22 29 56.6 44 1st Summit Bank Johnstown 1,098,294 121 61 22 49 32 57.0 45 Covenant Bank Doylestown 512,146 32 127 31 61 36 57.4 46 Fleetwood Bank Fleetwood 255,366 45 48 110 15 70 57.6 47 Centric Bank Harrisburg 790,303 15 61 85 88 41 58.0 47 Orrstown Bank Shippensburg 2,311,401 65 14 121 46 44 58.0 49 Luzerne Bank Luzerne 461,170 35 77 49 78 52 58.2 50 PeoplesBank, A Codorus Valley Company York 1,865,737 29 29 87 111 38 58.8
Source: S&P Global Market Intelligence 173 Rank The Banks South Carolina – 2019 Q3 South Carolina – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) 1st Federal Savings Bank of SC, Inc. (MHC) Walterboro First Carolina Bancshares, MHC 1/1/1962 2 26 No 97,652 0.67 7.29 Abbeville First Bank Abbeville 4/24/1907 2 17 No 78,683 0.61 5.27 Anderson Brothers Bank Mullins Anderson Bancshares, Inc. 1/1/1933 23 293 No 846,871 1.49 15.72 Arthur State Bank Union Arthur Financial Corporation 4/1/1933 19 160 No 511,467 1.06 11.34 Bank of Clarendon Manning 7/1/1939 5 56 No 277,490 1.27 8.96 Bank of Greeleyville Greeleyville Southeastern Bancorp, Inc. 4/25/1935 2 22 Yes 88,382 1.08 9.25 Bank of South Carolina Charleston Bank of South Carolina Corporation 2/26/1987 4 78 No 452,836 1.75 16.15 Bank of the Lowcountry Walterboro Communitycorp 5/1/1989 4 40 No 233,131 0.93 9.03 Bank of Travelers Rest Travelers Rest Travelers Rest Bancshares, Inc. 3/18/1946 10 150 Yes 795,787 1.06 10.83 Bank of York York York Bancshares, Inc. 4/11/1935 4 39 No 228,773 1.10 9.17 Beacon Community Bank Charleston 1/8/2018 2 30 No 105,025 (3.54) (10.03) Blue Ridge Bank Walhalla Blue Ridge Financial Corporation 6/17/1957 5 32 No 131,015 0.62 6.33 Carolina Bank & Trust Company Florence First Carolina Bancshares Corporation 3/3/1936 15 100 No 480,999 0.99 7.84 Citizens Bank Olanta Citizens Bancshares Corporation 1/1/1943 19 152 No 573,242 1.03 9.86 Citizens Building and Loan, SSB Greer Citizens Building and Loan MHC 1/1/1907 2 16 No 139,370 0.18 0.87 Coastal Carolina National Bank Myrtle Beach Coastal Carolina Bancshares, Inc. 6/8/2009 7 77 No 435,151 0.67 6.24 Coastal States Bank Hilton Head Island CoastalSouth Bancshares, Inc. 8/9/2004 6 129 No 689,656 0.33 2.84 Commercial Bank Honea Path Commercial Bank Shares, Inc. 5/14/1934 6 49 Yes 189,852 1.01 7.22 Community First Bank Walhalla Community First Bancorporation 3/12/1990 8 114 No 419,870 1.01 10.57 Conway National Bank Conway CNB Corporation 1/1/1903 16 255 No 1,250,059 1.16 11.86 Countybank Greenwood TCB Corporation 6/5/1933 9 159 Yes 434,721 0.94 12.30 CresCom Bank Charleston Carolina Financial Corporation 7/2/2001 62 735 No 3,981,301 1.68 10.43 Dedicated Community Bank Darlington Darlington County Bancshares, Inc. 3/10/1986 2 17 No 70,895 0.49 5.46 Enterprise Bank of South Carolina Ehrhardt 1/1/1920 12 107 No 334,155 1.06 15.14 Farmers and Merchants Bank of South Carolina Holly Hill FMB of S.C. Bancshares, Inc. 10/23/1912 8 75 No 313,324 1.06 8.07 First Community Bank Lexington First Community Corporation 8/17/1995 21 242 No 1,129,775 1.07 9.44 First National Bank of South Carolina Holly Hill FNB Corporation 9/4/1905 8 62 No 201,285 0.87 6.86 First Palmetto Bank Camden First Palmetto Financial Corporation 1/1/1904 22 150 No 725,922 1.09 9.59 First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 12/1/1933 6 80 No 419,813 1.81 6.66 First Reliance Bank Florence First Reliance Bancshares, Inc. 8/16/1999 11 144 No 654,664 0.91 8.54 GrandSouth Bank Greenville GrandSouth Bancorporation 9/8/1998 7 184 No 887,182 1.04 10.65 Home Federal Savings and Loan Association Bamberg 1/1/1920 1 7 No 42,600 0.20 1.58 Kingstree Federal Savings and Loan Association Kingstree Kingstree Bancshares, M.H.C. 1/1/1926 1 6 No 33,753 0.42 2.50 Mutual Savings Bank Hartsville 11/13/1936 1 14 No 50,928 (0.34) (1.14) Oconee Federal Savings and Loan Association (MHC) Seneca Oconee Federal, MHC 2/1/1924 7 75 No 523,992 0.80 5.12 Optus Bank Columbia SCCB Financial Corporation 3/26/1999 1 19 No 72,041 1.06 10.46 Palmetto State Bank Hampton Palmetto State Bankshares, Inc. 1/1/1907 8 86 No 549,658 1.39 8.55 Pee Dee Federal Savings Bank Marion 12/11/1935 1 9 No 36,432 0.78 4.42 Peoples Bank Iva Peoples Financial Group, Inc. 1/2/1951 6 64 Yes 293,374 0.80 6.32 Pickens Savings and Loan Association, FA Pickens 5/5/1920 1 20 No 95,676 0.61 5.25 Sandhills Bank North Myrtle Beach Max Bancorp, LLC 1/2/1959 5 42 No 196,000 0.39 3.69 Security Federal Bank Aiken Security Federal Corp. 1/1/1922 18 240 No 991,131 0.89 8.92 South Atlantic Bank Myrtle Beach South Atlantic Bancshares, Inc. 11/28/2007 9 118 No 709,542 0.95 9.63 South State Bank Columbia South State Corporation 1/1/1934 157 2,544 No 15,748,624 1.29 7.90 Southern First Bank Greenville Southern First Bancshares, Inc. 1/10/2000 13 247 No 2,201,507 1.36 14.15 Spratt Savings Bank Chester 1/1/1893 2 17 No 119,994 0.49 2.03 Woodruff Federal Savings and Loan Association Woodruff 12/14/1934 1 11 No 94,680 0.66 1.94
Source: S&P Global Market Intelligence 175 South Carolina – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 South State Bank Columbia 2,544 157 12,045,571 76,723 100,310 4,735 6,190 15,748,624 2 CresCom Bank Charleston 735 62 2,864,259 46,198 64,215 3,897 5,417 3,981,301 3 Southern First Bank Greenville 247 13 1,914,126 147,240 169,347 7,749 8,913 2,201,507 4 Conway National Bank Conway 255 16 1,011,285 63,205 78,129 3,966 4,902 1,250,059 5 First Community Bank Lexington 242 21 952,290 45,347 53,799 3,935 4,668 1,129,775 6 Security Federal Bank Aiken 240 18 820,287 45,572 55,063 3,418 4,130 991,131 7 GrandSouth Bank Greenville 184 7 792,734 113,248 126,740 4,308 4,822 887,182 8 Anderson Brothers Bank Mullins 293 23 756,954 32,911 36,820 2,583 2,890 846,871 9 Bank of Travelers Rest Travelers Rest 150 10 704,007 70,401 79,579 4,693 5,305 795,787 10 First Palmetto Bank Camden 150 22 640,948 29,134 32,996 4,273 4,839 725,922 11 South Atlantic Bank Myrtle Beach 118 9 625,227 69,470 78,838 5,299 6,013 709,542 12 Coastal States Bank Hilton Head Island 129 6 580,047 96,675 114,943 4,496 5,346 689,656 13 First Reliance Bank Florence 144 11 510,590 46,417 59,515 3,546 4,546 654,664 14 Citizens Bank Olanta 152 19 486,661 25,614 30,171 3,202 3,771 573,242 15 Palmetto State Bank Hampton 86 8 442,777 55,347 68,707 5,149 6,391 549,658 16 Oconee Federal Savings and Loan Association (MHC) Seneca 75 7 422,532 60,362 74,856 5,634 6,987 523,992 17 Arthur State Bank Union 160 19 455,426 23,970 26,919 2,846 3,197 511,467 18 Carolina Bank & Trust Company Florence 100 15 413,490 27,566 32,067 4,135 4,810 480,999 19 Bank of South Carolina Charleston 78 4 388,861 97,215 113,209 4,985 5,806 452,836 20 Coastal Carolina National Bank Myrtle Beach 77 7 384,123 54,875 62,164 4,989 5,651 435,151 21 Countybank Greenwood 159 9 360,646 40,072 48,302 2,268 2,734 434,721 22 Community First Bank Walhalla 114 8 354,390 44,299 52,484 3,109 3,683 419,870 23 First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 80 6 298,960 49,827 69,969 3,737 5,248 419,813 24 Enterprise Bank of South Carolina Ehrhardt 107 12 304,781 25,398 27,846 2,848 3,123 334,155 25 Farmers and Merchants Bank of South Carolina Holly Hill 75 8 262,929 32,866 39,166 3,506 4,178 313,324 26 Peoples Bank Iva 64 6 244,284 40,714 48,896 3,817 4,584 293,374 27 Bank of Clarendon Manning 56 5 231,420 46,284 55,498 4,133 4,955 277,490 28 Bank of the Lowcountry Walterboro 40 4 197,403 49,351 58,283 4,935 5,828 233,131 29 Bank of York York 39 4 196,173 49,043 57,193 5,030 5,866 228,773 30 First National Bank of South Carolina Holly Hill 62 8 167,214 20,902 25,161 2,697 3,247 201,285 31 Sandhills Bank North Myrtle Beach 42 5 170,279 34,056 39,200 4,054 4,667 196,000 32 Commercial Bank Honea Path 49 6 160,800 26,800 31,642 3,282 3,875 189,852 33 Citizens Building and Loan, SSB Greer 16 2 98,883 49,442 69,685 6,180 8,711 139,370 34 Blue Ridge Bank Walhalla 32 5 116,535 23,307 26,203 3,642 4,094 131,015 35 Spratt Savings Bank Chester 17 2 90,563 45,282 59,997 5,327 7,058 119,994 36 Beacon Community Bank Charleston 30 2 75,408 37,704 52,513 2,514 3,501 105,025 37 1st Federal Savings Bank of SC, Inc. (MHC) Walterboro 26 2 83,819 41,910 48,826 3,224 3,756 97,652 38 Pickens Savings and Loan Association, FA Pickens 20 1 74,215 74,215 95,676 3,711 4,784 95,676 39 Woodruff Federal Savings and Loan Association Woodruff 11 1 60,729 60,729 94,680 5,521 8,607 94,680 40 Bank of Greeleyville Greeleyville 22 2 76,604 38,302 44,191 3,482 4,017 88,382 41 Abbeville First Bank Abbeville 17 2 57,823 28,912 39,342 3,401 4,628 78,683 42 Optus Bank Columbia 19 1 64,020 64,020 72,041 3,369 3,792 72,041 43 Dedicated Community Bank Darlington 17 2 62,587 31,294 35,448 3,682 4,170 70,895 44 Mutual Savings Bank Hartsville 14 1 37,114 37,114 50,928 2,651 3,638 50,928 45 Home Federal Savings and Loan Association Bamberg 7 1 36,456 36,456 42,600 5,208 6,086 42,600 46 Pee Dee Federal Savings Bank Marion 9 1 29,908 29,908 36,432 3,323 4,048 36,432 47 Kingstree Federal Savings and Loan Association Kingstree 6 1 28,033 28,033 33,753 4,672 5,626 33,753
Source: S&P Global Market Intelligence 176 South Carolina – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Anderson Brothers Bank Mullins 846,871 8.79 13.82 0.87 12.95 94.37 2.74 7.42 2 GrandSouth Bank Greenville 887,182 7.30 13.75 1.55 20.73 90.85 2.52 5.19 3 First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 419,813 5.70 2.95 0.01 1.62 101.66 NM 4.83 4 Bank of Greeleyville Greeleyville 88,382 6.26 2.92 0.50 (1.39) 80.35 2.50 4.65 5 Bank of South Carolina Charleston 452,836 6.04 1.07 0.19 0.80 72.12 2.20 4.49 6 Coastal States Bank Hilton Head Island 689,656 5.64 42.21 0.70 18.17 93.23 2.92 4.27 7 Arthur State Bank Union 511,467 4.90 3.08 0.12 2.09 77.82 2.54 4.26 8 South Atlantic Bank Myrtle Beach 709,542 5.34 12.38 0.89 15.70 91.77 3.42 4.23 9 Pee Dee Federal Savings Bank Marion 36,432 7.89 4.36 0.14 2.95 39.25 2.73 4.19 10 First Reliance Bank Florence 654,664 5.41 23.52 0.96 8.45 100.95 2.85 4.12 11 Optus Bank Columbia 72,041 5.81 39.67 0.93 19.87 75.46 2.57 4.10 11 CresCom Bank Charleston 3,981,301 5.63 11.14 1.08 3.01 96.38 3.62 4.10 13 1st Federal Savings Bank of SC, Inc. (MHC) Walterboro 97,652 5.13 19.27 0.59 7.67 96.70 2.21 4.08 14 Citizens Bank Olanta 573,242 5.39 33.41 0.53 30.61 77.40 2.39 4.05 15 South State Bank Columbia 15,748,624 4.81 3.97 0.62 3.54 94.45 2.69 3.88 16 Carolina Bank & Trust Company Florence 480,999 5.27 0.62 0.55 2.73 81.46 2.29 3.87 17 Dedicated Community Bank Darlington 70,895 5.74 3.15 0.80 11.64 77.54 2.33 3.85 18 Community First Bank Walhalla 419,870 5.23 12.62 0.84 6.97 87.92 2.25 3.79 19 Mutual Savings Bank Hartsville 50,928 4.96 29.02 0.84 43.44 103.75 2.96 3.76 20 Enterprise Bank of South Carolina Ehrhardt 334,155 5.21 7.31 0.38 (2.07) 64.79 2.66 3.75 21 Bank of Clarendon Manning 277,490 5.48 3.25 0.40 6.61 67.27 2.13 3.74 21 First Community Bank Lexington 1,129,775 4.86 6.24 0.40 2.73 78.32 2.70 3.74 21 First National Bank of South Carolina Holly Hill 201,285 6.24 (1.66) 0.20 0.31 47.34 1.86 3.74 24 Home Federal Savings and Loan Association Bamberg 42,600 5.58 0.58 1.63 4.82 95.05 1.94 3.72 24 Coastal Carolina National Bank Myrtle Beach 435,151 5.36 16.06 1.17 18.48 85.46 2.46 3.72 26 Countybank Greenwood 434,721 4.92 8.10 0.32 4.39 77.46 2.48 3.71 27 Sandhills Bank North Myrtle Beach 196,000 5.31 13.41 1.17 11.39 85.28 2.84 3.65 28 Bank of the Lowcountry Walterboro 233,131 5.37 14.39 0.56 8.07 65.42 2.65 3.62 29 Blue Ridge Bank Walhalla 131,015 4.92 11.97 0.25 (9.41) 59.85 2.86 3.60 30 Southern First Bank Greenville 2,201,507 4.94 15.32 1.31 19.56 98.17 2.64 3.58 31 Peoples Bank Iva 293,374 4.99 0.23 0.65 3.56 63.16 3.41 3.54 32 Bank of Travelers Rest Travelers Rest 795,787 4.96 10.05 0.72 8.74 70.92 3.02 3.51 33 Pickens Savings and Loan Association, FA Pickens 95,676 4.98 2.45 0.76 (0.87) 73.34 3.19 3.45 34 Bank of York York 228,773 5.68 (7.23) 0.15 1.44 42.21 2.39 3.44 35 Palmetto State Bank Hampton 549,658 6.06 (4.72) 0.33 (4.39) 39.88 2.47 3.42 36 Security Federal Bank Aiken 991,131 5.45 6.89 0.82 8.50 56.37 2.95 3.38 37 First Palmetto Bank Camden 725,922 4.93 (1.36) 0.92 6.71 74.99 2.40 3.34 38 Beacon Community Bank Charleston 105,025 5.09 210.40 1.74 316.83 113.67 3.36 3.31 39 Citizens Building and Loan, SSB Greer 139,370 5.40 9.11 1.82 5.38 96.79 2.83 3.24 40 Abbeville First Bank Abbeville 78,683 5.01 1.60 0.94 2.01 81.41 2.95 3.22 41 Conway National Bank Conway 1,250,059 5.80 4.02 0.40 5.03 51.15 1.93 3.21 42 Farmers and Merchants Bank of South Carolina Holly Hill 313,324 6.37 (1.83) 0.22 1.37 34.18 2.27 3.19 43 Commercial Bank Honea Path 189,852 5.24 4.15 0.31 (0.72) 42.75 2.65 3.18 44 Oconee Federal Savings and Loan Association (MHC) Seneca 523,992 4.60 5.51 0.96 4.81 85.41 2.33 3.14 45 Woodruff Federal Savings and Loan Association Woodruff 94,680 4.46 0.22 1.38 10.25 95.47 2.51 2.91 46 Kingstree Federal Savings and Loan Association Kingstree 33,753 5.00 4.78 1.69 7.56 83.43 2.93 2.85 47 Spratt Savings Bank Chester 119,994 5.35 5.71 0.93 2.37 39.40 2.87 2.76
Source: S&P Global Market Intelligence 177 South Carolina – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Countybank Greenwood 434,721 5,256 0.20 1.74 0.01 (0.01) 15,457 3.69 2 First Reliance Bank Florence 654,664 5,489 0.30 0.88 0.33 0.00 11,598 1.93 3 Optus Bank Columbia 72,041 686 0.43 0.00 0.00 0.13 1,074 1.67 4 Anderson Brothers Bank Mullins 846,871 11,973 0.43 0.33 0.00 (0.01) 11,419 1.42 5 Bank of Travelers Rest Travelers Rest 795,787 10,652 0.50 0.06 0.00 (0.01) 9,458 1.25 6 First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 419,813 7,451 0.28 0.05 0.04 0.00 4,520 1.10 7 South State Bank Columbia 15,748,624 194,419 0.32 0.08 0.03 0.00 161,268 1.07 7 Citizens Bank Olanta 573,242 5,536 0.47 0.07 0.00 (0.04) 5,732 1.07 9 1st Federal Savings Bank of SC, Inc. (MHC) Walterboro 97,652 623 0.50 0.20 0.21 0.00 964 1.03 10 CresCom Bank Charleston 3,981,301 64,161 0.19 0.45 0.05 0.00 39,071 1.02 11 Bank of Greeleyville Greeleyville 88,382 1,316 0.62 0.00 0.00 0.00 917 1.00 11 First Community Bank Lexington 1,129,775 11,832 0.16 0.37 0.00 0.00 10,978 1.00 13 First National Bank of South Carolina Holly Hill 201,285 1,695 0.41 0.00 0.00 (0.06) 1,880 0.96 14 Security Federal Bank Aiken 991,131 8,341 0.13 0.11 0.00 0.02 8,404 0.90 14 Bank of Clarendon Manning 277,490 3,490 0.39 0.00 0.00 0.01 2,462 0.90 16 Peoples Bank Iva 293,374 3,016 0.28 0.00 0.00 (0.01) 2,431 0.86 17 Coastal States Bank Hilton Head Island 689,656 2,068 0.11 0.42 0.03 (0.03) 4,889 0.79 17 Enterprise Bank of South Carolina Ehrhardt 334,155 3,561 0.36 0.00 0.00 0.15 2,632 0.79 19 Conway National Bank Conway 1,250,059 13,984 0.22 0.00 0.00 0.00 9,301 0.77 20 Arthur State Bank Union 511,467 5,369 0.45 0.02 0.01 (0.25) 3,820 0.75 21 Carolina Bank & Trust Company Florence 480,999 4,715 0.30 0.00 0.00 (0.01) 3,409 0.72 21 Southern First Bank Greenville 2,201,507 27,126 0.05 0.47 0.00 (0.01) 14,217 0.72 23 Farmers and Merchants Bank of South Carolina Holly Hill 313,324 3,686 0.34 0.00 0.00 0.01 2,324 0.67 24 Community First Bank Walhalla 419,870 3,985 0.23 0.00 0.00 (0.01) 2,387 0.61 24 South Atlantic Bank Myrtle Beach 709,542 6,430 0.06 0.26 0.00 0.00 4,119 0.61 26 Blue Ridge Bank Walhalla 131,015 823 0.47 0.00 0.00 0.01 711 0.54 27 Palmetto State Bank Hampton 549,658 7,776 0.23 0.03 0.02 0.01 2,983 0.53 27 Commercial Bank Honea Path 189,852 2,526 0.49 0.00 0.00 0.00 983 0.53 29 Sandhills Bank North Myrtle Beach 196,000 700 0.15 0.11 0.00 (0.02) 842 0.47 30 Coastal Carolina National Bank Myrtle Beach 435,151 2,694 0.03 0.28 0.00 0.00 1,755 0.44 31 Abbeville First Bank Abbeville 78,683 473 0.13 0.00 0.00 0.03 328 0.42 31 Dedicated Community Bank Darlington 70,895 342 0.35 0.00 0.00 (0.01) 294 0.42 33 Bank of South Carolina Charleston 452,836 7,570 0.13 0.00 0.00 0.00 1,773 0.41 34 Bank of York York 228,773 2,475 0.10 0.00 0.00 0.00 896 0.40 35 First Palmetto Bank Camden 725,922 7,757 0.06 0.09 0.04 (0.01) 2,300 0.32 36 Pickens Savings and Loan Association, FA Pickens 95,676 569 0.08 0.00 0.00 0.08 291 0.31 37 Bank of the Lowcountry Walterboro 233,131 2,065 0.12 0.00 0.00 0.00 592 0.27 37 Oconee Federal Savings and Loan Association (MHC) Seneca 523,992 4,130 0.09 0.02 -0.01 0.00 1,384 0.27 39 Pee Dee Federal Savings Bank Marion 36,432 282 0.18 0.00 0.00 (0.07) 83 0.23 40 Mutual Savings Bank Hartsville 50,928 (154) 0.07 (0.03) 0.07 0.00 102 0.22 41 Kingstree Federal Savings and Loan Association Kingstree 33,753 138 0.00 0.00 0.00 0.00 70 0.21 42 GrandSouth Bank Greenville 887,182 8,552 0.11 0.00 0.00 0.02 1,669 0.20 43 Spratt Savings Bank Chester 119,994 579 0.05 0.01 0.02 0.00 197 0.17 44 Woodruff Federal Savings and Loan Association Woodruff 94,680 617 0.00 0.00 0.00 0.00 149 0.16 45 Citizens Building and Loan, SSB Greer 139,370 249 0.00 0.00 0.00 0.00 181 0.13 46 Beacon Community Bank Charleston 105,025 (2,909) 0.02 0.00 0.00 0.00 55 0.07 47 Home Federal Savings and Loan Association Bamberg 42,600 83 0.00 0.00 0.00 0.00 0 0.00
Source: S&P Global Market Intelligence 178 South Carolina – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 2 Palmetto State Bank Hampton 549,658 50.72 86 8 1.22 0.43 0.31 1.96 1 Woodruff Federal Savings and Loan Association Woodruff 94,680 72.05 11 1 0.90 0.31 0.71 1.92 5 Spratt Savings Bank Chester 119,994 74.56 17 2 1.20 0.14 0.82 2.15 4 Commercial Bank Honea Path 189,852 58.81 49 6 1.23 0.21 0.71 2.14 3 First Palmetto Bank Camden 725,922 58.90 150 22 1.35 0.28 0.46 2.09 6 Oconee Federal Savings and Loan Association (MHC) Seneca 523,992 67.48 75 7 1.27 0.35 0.55 2.17 7 Southern First Bank Greenville 2,201,507 54.75 247 13 1.40 0.25 0.58 2.23 8 Conway National Bank Conway 1,250,059 59.52 255 16 1.45 0.28 0.58 2.31 9 Bank of York York 228,773 61.74 39 4 1.34 0.20 0.78 2.32 10 Farmers and Merchants Bank of South Carolina Holly Hill 313,324 62.69 75 8 1.35 0.27 0.72 2.34 11 Kingstree Federal Savings and Loan Association Kingstree 33,753 81.46 6 1 1.02 0.15 1.22 2.40 12 Bank of the Lowcountry Walterboro 233,131 67.28 40 4 1.17 0.34 1.02 2.53 13 CresCom Bank Charleston 3,981,301 53.37 735 62 1.38 0.36 0.81 2.55 14 Bank of South Carolina Charleston 452,836 53.31 78 4 1.66 0.37 0.55 2.58 15 South State Bank Columbia 15,748,624 59.14 2,544 157 1.61 0.30 0.72 2.64 17 Bank of Clarendon Manning 277,490 61.82 56 5 1.57 0.22 0.93 2.72 16 Citizens Building and Loan, SSB Greer 139,370 85.69 16 2 1.17 0.19 1.32 2.69 19 Carolina Bank & Trust Company Florence 480,999 65.80 100 15 1.62 0.73 0.55 2.90 21 Pickens Savings and Loan Association, FA Pickens 95,676 78.99 20 1 1.63 0.26 1.04 2.93 25 First Community Bank Lexington 1,129,775 66.71 242 21 1.87 0.34 0.75 2.97 29 Blue Ridge Bank Walhalla 131,015 80.65 32 5 1.67 0.84 0.67 3.18 20 Bank of Travelers Rest Travelers Rest 795,787 62.16 150 10 1.70 0.30 0.92 2.92 24 First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 419,813 55.19 80 6 1.64 0.25 1.07 2.96 23 Security Federal Bank Aiken 991,131 72.62 240 18 1.71 0.51 0.73 2.95 18 Coastal Carolina National Bank Myrtle Beach 435,151 73.91 77 7 1.78 0.44 0.68 2.89 26 Peoples Bank Iva 293,374 71.25 64 6 1.53 0.36 1.12 3.01 28 Enterprise Bank of South Carolina Ehrhardt 334,155 72.11 107 12 1.62 0.27 1.30 3.18 30 Arthur State Bank Union 511,467 69.77 160 19 1.92 0.56 0.76 3.23 32 First National Bank of South Carolina Holly Hill 201,285 73.62 62 8 1.79 0.53 0.95 3.27 31 Sandhills Bank North Myrtle Beach 196,000 87.00 42 5 1.64 0.57 1.03 3.24 33 South Atlantic Bank Myrtle Beach 709,542 71.80 118 9 1.90 0.42 0.96 3.27 27 Home Federal Savings and Loan Association Bamberg 42,600 88.93 7 1 1.55 0.22 1.34 3.11 35 Dedicated Community Bank Darlington 70,895 82.63 17 2 1.80 0.57 1.03 3.39 34 Citizens Bank Olanta 573,242 69.63 152 19 1.85 0.55 0.93 3.33 36 GrandSouth Bank Greenville 887,182 66.34 184 7 2.14 0.27 1.01 3.42 37 Pee Dee Federal Savings Bank Marion 36,432 81.82 9 1 1.84 0.97 0.68 3.50 38 Bank of Greeleyville Greeleyville 88,382 69.74 22 2 1.73 0.31 1.67 3.71 39 Community First Bank Walhalla 419,870 96.09 114 8 2.35 0.34 1.27 3.96 22 Abbeville First Bank Abbeville 78,683 79.97 17 2 1.45 0.20 1.29 2.94 41 Mutual Savings Bank Hartsville 50,928 108.95 14 1 1.81 0.53 1.78 4.12 40 Coastal States Bank Hilton Head Island 689,656 85.56 129 6 2.60 0.26 1.14 4.01 43 First Reliance Bank Florence 654,664 76.59 144 11 2.52 0.48 1.31 4.31 44 Optus Bank Columbia 72,041 80.42 19 1 1.52 0.67 2.20 4.39 42 1st Federal Savings Bank of SC, Inc. (MHC) Walterboro 97,652 82.84 26 2 2.30 0.41 1.41 4.12 45 Anderson Brothers Bank Mullins 846,871 60.79 293 23 2.54 0.63 1.82 4.99 46 Countybank Greenwood 434,721 81.09 159 9 3.57 0.61 1.68 5.86 47 Beacon Community Bank Charleston 105,025 189.40 30 2 3.49 0.79 1.79 6.07
Source: S&P Global Market Intelligence 179 South Carolina – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Beacon Community Bank Charleston 105,025 85,747 1.15 0.00 0.00 0.15 0.00 0.15 2 Citizens Building and Loan, SSB Greer 139,370 95,936 0.91 0.19 0.00 0.07 (0.01) 0.25 3 South Atlantic Bank Myrtle Beach 709,542 573,799 0.86 0.07 0.00 0.18 0.01 0.26 4 Sandhills Bank North Myrtle Beach 196,000 145,342 0.89 0.20 0.30 0.21 0.01 0.72 5 1st Federal Savings Bank of SC, Inc. (MHC) Walterboro 97,652 81,061 1.05 0.66 0.00 0.04 0.03 0.73 6 South State Bank Columbia 15,748,624 11,377,539 0.53 0.20 0.08 0.40 0.06 0.74 7 Coastal Carolina National Bank Myrtle Beach 435,151 328,388 0.85 0.07 0.00 0.79 0.01 0.87 8 Southern First Bank Greenville 2,201,507 1,879,057 0.84 0.10 0.00 0.68 0.12 0.90 9 GrandSouth Bank Greenville 887,182 720,203 1.40 0.05 0.00 0.60 0.26 0.91 10 Mutual Savings Bank Hartsville 50,928 38,506 0.53 0.00 0.00 0.95 0.00 0.95 11 CresCom Bank Charleston 3,981,301 2,760,605 0.58 0.12 0.05 0.78 0.01 0.95 12 First Reliance Bank Florence 654,664 516,211 0.63 0.11 0.00 0.90 0.02 1.03 13 Bank of Travelers Rest Travelers Rest 795,787 499,255 1.81 0.17 0.01 0.71 0.17 1.06 14 First Community Bank Lexington 1,129,775 745,849 0.88 0.42 0.00 0.75 (0.02) 1.15 15 Bank of South Carolina Charleston 452,836 280,462 1.48 0.41 0.05 0.61 0.08 1.15 16 Spratt Savings Bank Chester 119,994 35,678 3.27 0.52 0.00 0.73 0.00 1.25 17 First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 419,813 303,914 0.68 0.78 0.00 0.48 0.00 1.26 18 Conway National Bank Conway 1,250,059 517,292 1.23 0.40 0.05 0.75 0.08 1.28 19 First Palmetto Bank Camden 725,922 481,063 1.34 0.27 0.00 1.04 0.01 1.32 20 Community First Bank Walhalla 419,870 311,572 1.16 0.16 0.00 1.24 0.00 1.40 21 Citizens Bank Olanta 573,242 376,694 0.87 0.34 0.02 1.10 0.06 1.52 22 Bank of Clarendon Manning 277,490 155,671 1.11 0.51 0.01 1.09 0.05 1.66 23 Security Federal Bank Aiken 991,131 462,400 1.89 0.55 0.00 1.21 0.18 1.94 24 Countybank Greenwood 434,721 279,362 0.89 0.56 0.00 1.45 (0.01) 1.99 25 Coastal States Bank Hilton Head Island 689,656 540,776 0.67 0.12 0.05 1.79 0.11 2.06 26 Dedicated Community Bank Darlington 70,895 48,529 0.60 0.57 0.00 1.54 0.06 2.17 27 Carolina Bank & Trust Company Florence 480,999 336,835 1.43 0.52 0.00 1.53 0.17 2.22 28 Home Federal Savings and Loan Association Bamberg 42,600 34,752 0.18 1.86 0.00 0.76 0.16 2.78 29 Arthur State Bank Union 511,467 354,405 0.77 0.65 0.00 2.09 0.09 2.83 30 Pickens Savings and Loan Association, FA Pickens 95,676 54,431 1.58 2.36 0.00 0.51 0.07 2.95 31 Optus Bank Columbia 72,041 48,312 1.13 1.65 0.00 1.51 (0.09) 3.06 32 First National Bank of South Carolina Holly Hill 201,285 79,155 2.14 0.59 0.18 2.31 0.00 3.08 33 Oconee Federal Savings and Loan Association (MHC) Seneca 523,992 360,883 0.36 1.85 0.00 1.27 0.00 3.12 34 Bank of York York 228,773 82,872 0.83 0.24 0.02 3.05 0.08 3.39 35 Commercial Bank Honea Path 189,852 68,735 1.54 0.54 0.00 2.73 0.13 3.39 36 Abbeville First Bank Abbeville 78,683 47,074 1.28 0.37 0.00 3.16 0.29 3.82 37 Bank of the Lowcountry Walterboro 233,131 129,138 1.24 0.51 0.00 3.40 (0.04) 3.87 38 Anderson Brothers Bank Mullins 846,871 714,358 1.84 1.62 0.02 1.16 1.22 4.02 39 Bank of Greeleyville Greeleyville 88,382 61,550 0.94 1.98 0.00 1.80 0.34 4.12 40 Blue Ridge Bank Walhalla 131,015 69,748 1.57 0.51 0.00 3.58 0.34 4.43 41 Woodruff Federal Savings and Loan Association Woodruff 94,680 57,981 1.19 1.65 0.00 3.20 0.00 4.86 42 Peoples Bank Iva 293,374 154,289 1.29 0.27 0.00 4.85 0.04 5.17 43 Kingstree Federal Savings and Loan Association Kingstree 33,753 23,440 0.85 3.68 0.00 2.62 0.00 6.30 44 Palmetto State Bank Hampton 549,658 176,560 2.71 2.81 0.34 3.45 0.16 6.76 45 Pee Dee Federal Savings Bank Marion 36,432 11,738 7.00 3.09 0.00 3.01 0.70 6.80 46 Farmers and Merchants Bank of South Carolina Holly Hill 313,324 89,933 1.65 1.16 0.00 7.00 0.02 8.17 47 Enterprise Bank of South Carolina Ehrhardt 334,155 197,465 1.47 1.24 0.00 7.37 0.30 8.90
Source: S&P Global Market Intelligence 180 South Carolina – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Bank of South Carolina Charleston 452,836 7,570 78 97 6,188 5,543 1.75 16.15 2 Anderson Brothers Bank Mullins 846,871 11,973 293 41 10,260 7,501 1.49 15.72 3 Enterprise Bank of South Carolina Ehrhardt 334,155 3,561 107 33 6,142 4,437 1.06 15.14 4 Southern First Bank Greenville 2,201,507 27,126 247 110 19,184 14,735 1.36 14.15 5 Countybank Greenwood 434,721 5,256 159 33 3,771 4,168 0.94 12.30 6 Conway National Bank Conway 1,250,059 13,984 255 55 10,606 9,519 1.16 11.86 7 Arthur State Bank Union 511,467 5,369 160 34 4,752 3,979 1.06 11.34 8 Bank of Travelers Rest Travelers Rest 795,787 10,652 150 71 9,202 8,481 1.06 10.83 9 GrandSouth Bank Greenville 887,182 8,552 184 46 4,581 1,607 1.04 10.65 10 Community First Bank Walhalla 419,870 3,985 114 35 1,662 1,005 1.01 10.57 11 Optus Bank Columbia 72,041 686 19 36 (735) (1,662) 1.06 10.46 12 CresCom Bank Charleston 3,981,301 64,161 735 87 42,102 28,529 1.68 10.43 13 Citizens Bank Olanta 573,242 5,536 152 36 4,292 3,589 1.03 9.86 14 South Atlantic Bank Myrtle Beach 709,542 6,430 118 54 4,081 2,999 0.95 9.63 15 First Palmetto Bank Camden 725,922 7,757 150 52 5,993 5,435 1.09 9.59 16 First Community Bank Lexington 1,129,775 11,832 242 49 9,918 7,561 1.07 9.44 17 Bank of Greeleyville Greeleyville 88,382 1,316 22 60 1,218 1,205 1.08 9.25 18 Bank of York York 228,773 2,475 39 63 1,662 1,633 1.10 9.17 19 Bank of the Lowcountry Walterboro 233,131 2,065 40 52 1,550 1,281 0.93 9.03 20 Bank of Clarendon Manning 277,490 3,490 56 62 2,646 2,472 1.27 8.96 21 Security Federal Bank Aiken 991,131 8,341 240 35 7,282 6,515 0.89 8.92 22 Palmetto State Bank Hampton 549,658 7,776 86 90 7,638 7,714 1.39 8.55 23 First Reliance Bank Florence 654,664 5,489 144 38 1,248 3,495 0.91 8.54 24 Farmers and Merchants Bank of South Carolina Holly Hill 313,324 3,686 75 49 1,945 1,966 1.06 8.07 25 South State Bank Columbia 15,748,624 194,419 2,544 76 146,111 118,159 1.29 7.90 26 Carolina Bank & Trust Company Florence 480,999 4,715 100 47 5,442 3,781 0.99 7.84 27 1st Federal Savings Bank of SC, Inc. (MHC) Walterboro 97,652 623 26 24 985 1,218 0.67 7.29 28 Commercial Bank Honea Path 189,852 2,526 49 52 2,347 2,137 1.01 7.22 29 First National Bank of South Carolina Holly Hill 201,285 1,695 62 27 1,281 875 0.87 6.86 30 First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 419,813 7,451 80 93 5,399 4,570 1.81 6.66 31 Blue Ridge Bank Walhalla 131,015 823 32 26 717 678 0.62 6.33 32 Peoples Bank Iva 293,374 3,016 64 47 3,224 3,193 0.80 6.32 33 Coastal Carolina National Bank Myrtle Beach 435,151 2,694 77 35 964 1,760 0.67 6.24 34 Dedicated Community Bank Darlington 70,895 342 17 20 425 231 0.49 5.46 35 Abbeville First Bank Abbeville 78,683 473 17 28 (129) 822 0.61 5.27 36 Pickens Savings and Loan Association, FA Pickens 95,676 569 20 28 469 513 0.61 5.25 37 Oconee Federal Savings and Loan Association (MHC) Seneca 523,992 4,130 75 55 3,385 5,506 0.80 5.12 38 Pee Dee Federal Savings Bank Marion 36,432 282 9 31 (787) (93) 0.78 4.42 39 Sandhills Bank North Myrtle Beach 196,000 700 42 17 (53) 762 0.39 3.69 40 Coastal States Bank Hilton Head Island 689,656 2,068 129 16 (7,389) (4,359) 0.33 2.84 41 Kingstree Federal Savings and Loan Association Kingstree 33,753 138 6 23 239 116 0.42 2.50 42 Spratt Savings Bank Chester 119,994 579 17 34 314 303 0.49 2.03 43 Woodruff Federal Savings and Loan Association Woodruff 94,680 617 11 56 240 246 0.66 1.94 44 Home Federal Savings and Loan Association Bamberg 42,600 83 7 12 308 108 0.20 1.58 45 Citizens Building and Loan, SSB Greer 139,370 249 16 16 1,808 736 0.18 0.87 46 Mutual Savings Bank Hartsville 50,928 (154) 14 (11) 143 (78) (0.34) (1.14) 47 Beacon Community Bank Charleston 105,025 (2,909) 30 (97) NA NA (3.54) (10.03)
Source: S&P Global Market Intelligence 181 South Carolina – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 CresCom Bank Charleston 3,981,301 11 10 13 11 12 11.4 2 Bank of South Carolina Charleston 452,836 5 33 14 15 1 13.6 2 South State Bank Columbia 15,748,624 15 7 15 6 25 13.6 4 Southern First Bank Greenville 2,201,507 30 21 7 8 4 14.0 5 Bank of Travelers Rest Travelers Rest 795,787 32 5 20 13 8 15.6 6 First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 419,813 3 6 24 17 30 16.0 7 South Atlantic Bank Myrtle Beach 709,542 8 24 33 3 14 16.4 8 First Community Bank Lexington 1,129,775 21 11 25 14 16 17.4 9 Citizens Bank Olanta 573,242 14 7 34 21 13 17.8 10 Anderson Brothers Bank Mullins 846,871 1 4 45 38 2 18.0 10 First Reliance Bank Florence 654,664 10 2 43 12 23 18.0 12 Conway National Bank Conway 1,250,059 41 19 8 18 6 18.4 13 Arthur State Bank Union 511,467 7 20 30 29 7 18.6 14 Bank of Clarendon Manning 277,490 21 14 17 22 20 18.8 15 1st Federal Savings Bank of SC, Inc. (MHC) Walterboro 97,652 13 9 42 5 27 19.2 16 GrandSouth Bank Greenville 887,182 2 42 36 9 9 19.6 17 Optus Bank Columbia 72,041 11 3 44 31 11 20.0 18 Countybank Greenwood 434,721 26 1 46 24 5 20.4 19 Bank of Greeleyville Greeleyville 88,382 4 11 38 39 17 21.8 19 Carolina Bank & Trust Company Florence 480,999 16 21 19 27 26 21.8 19 First Palmetto Bank Camden 725,922 37 35 3 19 15 21.8 22 Community First Bank Walhalla 419,870 18 24 39 20 10 22.2 23 Coastal Carolina National Bank Myrtle Beach 435,151 24 30 18 7 33 22.4 24 Enterprise Bank of South Carolina Ehrhardt 334,155 20 17 28 47 3 23.0 25 Security Federal Bank Aiken 991,131 36 14 23 23 21 23.4 26 First National Bank of South Carolina Holly Hill 201,285 21 13 32 32 29 25.4 27 Coastal States Bank Hilton Head Island 689,656 6 17 40 25 40 25.6 28 Bank of York York 228,773 34 34 9 34 18 25.8 29 Palmetto State Bank Hampton 549,658 35 27 2 44 22 26.0 29 Sandhills Bank North Myrtle Beach 196,000 27 29 31 4 39 26.0 31 Bank of the Lowcountry Walterboro 233,131 28 37 12 37 19 26.6 32 Commercial Bank Honea Path 189,852 43 27 4 35 28 27.4 33 Dedicated Community Bank Darlington 70,895 17 31 35 26 34 28.6 34 Farmers and Merchants Bank of South Carolina Holly Hill 313,324 42 23 10 46 24 29.0 35 Peoples Bank Iva 293,374 31 16 26 42 32 29.4 35 Citizens Building and Loan, SSB Greer 139,370 39 45 16 2 45 29.4 37 Spratt Savings Bank Chester 119,994 47 43 5 16 42 30.6 38 Blue Ridge Bank Walhalla 131,015 29 26 29 40 31 31.0 39 Pickens Savings and Loan Association, FA Pickens 95,676 33 36 21 30 36 31.2 39 Mutual Savings Bank Hartsville 50,928 19 40 41 10 46 31.2 41 Oconee Federal Savings and Loan Association (MHC) Seneca 523,992 44 37 6 33 37 31.4 42 Abbeville First Bank Abbeville 78,683 40 31 22 36 35 32.8 43 Pee Dee Federal Savings Bank Marion 36,432 9 39 37 45 38 33.6 44 Home Federal Savings and Loan Association Bamberg 42,600 24 47 27 28 44 34.0 45 Woodruff Federal Savings and Loan Association Woodruff 94,680 45 44 1 41 43 34.8 46 Beacon Community Bank Charleston 105,025 38 46 47 1 47 35.8 47 Kingstree Federal Savings and Loan Association Kingstree 33,753 46 41 11 43 41 36.4
Source: S&P Global Market Intelligence 182 Rank The Banks Tennessee – 2019 Q3 Tennessee – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) American Bank & Trust of the Cumberlands Livingston American Bancshares Corp. 8/13/1979 3 48 Yes 254,469 1.02 11.29 Andrew Johnson Bank Greeneville Andrew Johnson Bancshares, Inc. 5/12/1975 8 98 No 382,821 1.19 11.27 Apex Bank Camden Apex Bancorp, Inc. 2/27/1931 15 130 No 591,499 3.39 25.58 Bank of Bartlett Bartlett West Tennessee Bancshares, Inc. 5/19/1980 7 101 No 351,814 0.76 8.96 Bank of Cleveland Cleveland Bradley County Financial Corp. 5/8/1987 5 64 No 278,681 1.49 9.84 Bank of Crockett Bells Security Bancorp of Tennessee, Inc. 1/1/1888 5 33 No 177,500 1.41 12.85 Bank of Dickson Dickson Dickson Financial Corporation 5/26/1954 4 49 No 238,236 0.91 6.88 Bank of Fayette County Piperton Moscow Bancshares, Inc. 5/10/1905 11 129 No 659,580 1.04 11.83 Bank of Frankewing Frankewing Frankewing Bancshares, Inc. 2/1/1921 3 69 No 303,023 1.28 11.37 Bank of Gleason Gleason Bancshares of Gleason, Inc. 1/1/1901 2 22 No 112,591 1.16 5.00 Bank of Halls Halls Security Bancorp of Tennessee, Inc. 10/8/1899 2 16 No 85,752 1.20 11.36 Bank of Jackson Jackson WestTenn Bancorp Inc. 10/1/1996 3 24 No 191,409 0.88 8.63 Bank of Lincoln County Fayetteville BOLC Corp. 7/22/2002 3 37 No 146,017 1.61 12.09 Bank of Milan Milan Hometown Bancorp, Inc. 11/12/1993 2 17 Yes 79,103 0.70 7.22 Bank of Perry County Lobelville 9/1/1905 3 39 Yes 172,294 1.26 13.30 Bank of Putnam County Cookeville B.P.C. Corporation 11/1/1901 19 230 Yes 869,370 1.00 13.22 Bank of Ripley Ripley Bancshares of Ripley, Inc. 7/14/1939 4 64 No 217,989 0.84 5.64 Bank of Tennessee Kingsport BancTenn Corp. 5/13/1974 23 280 Yes 1,436,790 1.03 11.81 Bank of Waynesboro Waynesboro FCB Corporation 1/1/1904 5 61 No 173,060 1.58 12.04 BankTennessee Collierville BankTennessee Bancshares, Inc. 10/1/1934 9 76 Yes 311,380 1.10 10.13 Brighton Bank Brighton Brighton Bancorp, Inc. 10/10/1910 1 19 No 40,962 (2.15) (33.05) CapStar Bank Nashville CapStar Financial Holdings, Inc. 7/14/2008 13 290 No 2,033,305 0.86 7.44 Carroll Bank and Trust Huntingdon Carroll Financial Services, Inc. 9/9/1907 8 89 No 291,753 0.81 7.86 CBBC Bank Maryville Twin Cities Financial Services, Inc. 9/24/1973 8 79 No 357,873 0.96 6.25 CedarStone Bank Lebanon CedarStone Financial, Inc. 4/19/2004 3 34 No 207,445 0.84 8.35 Centennial Bank Trezevant F & M Bancshares, Inc. 1/21/1916 13 152 No 584,165 1.05 9.32 Central Bank Savannah 7/1/1967 3 41 No 98,606 2.82 22.48 Citizens Bank Carthage 10/26/1929 8 74 No 618,005 2.13 11.77 Citizens Bank Hartsville Cumberland Bancshares, Inc. 10/1/1905 3 52 No 239,906 1.42 12.99 Citizens Bank Elizabethton Citco Community Bancshares, Inc. 11/3/1934 13 200 Yes 865,493 1.51 11.81 Citizens Bank & Trust Company Atwood Bumpushares, Inc. 2/5/1927 1 5 Yes 24,672 0.54 5.72 Citizens Bank and Trust Company of Grainger County Rutledge Citizens of Grainger County Corporation 11/1/1919 5 47 No 205,651 1.26 7.44 Citizens Bank of Lafayette Lafayette Citizens Bancorp Investment, Inc. 7/1/1909 19 221 No 929,630 1.26 10.72 Citizens Community Bank Winchester Citizens Community Bancshares, Inc. 11/19/1992 3 44 No 235,967 1.69 13.29 Citizens National Bank Sevierville CNB Bancshares, Inc. 2/5/1973 22 202 Yes 1,101,200 1.45 12.89 Citizens Savings Bank and Trust Company Nashville CSB&T Bancorp, Inc. 1/4/1904 4 21 No 99,727 0.15 2.38 Citizens Tri-County Bank Dunlap Sequatchie Valley Bancshares, Inc. 10/2/1972 26 282 Yes 907,589 1.37 13.05 Civis Bank Rogersville Volunteer Bancorp, Inc. 4/1/1906 3 30 No 88,864 (0.49) (18.61) Coffee County Bank Manchester Coffee County Bancshares, Incorporated 8/25/1975 3 49 Yes 198,100 1.84 15.79 Commercial Bank Harrogate Robertson Holding Company, L.P. 11/1/1976 27 254 No 1,328,050 1.25 12.89 Commercial Bank & Trust Company Paris Commercial Holding Company 5/15/1877 10 183 Yes 789,392 1.36 12.06 Community Bank Lexington Community National Corporation 8/4/1961 3 42 No 163,929 0.88 9.25 Community National Bank Dayton 11/2/1964 6 58 Yes 265,954 0.69 6.33 Decatur County Bank Decaturville Decatur Bancshares, Inc 11/16/1899 4 39 Yes 132,003 0.43 6.36 Elizabethton Federal Savings Bank Elizabethton 6/15/1937 5 33 No 296,808 1.30 3.28 Evolve Bank & Trust Memphis Evolve Bancorp, Inc. 6/5/1925 4 334 No 518,755 0.94 10.56 F&M Bank Clarksville F&M Financial Corporation 1/1/1906 20 299 No 1,174,906 0.61 5.55 Farmers & Merchants Bank Dyer Dyer F & M Bancshares, Inc. 4/9/1895 4 30 Yes 99,331 0.37 4.23 Farmers Bank Parsons Townsend Financial Corporation 3/9/1907 1 17 No 37,378 0.51 3.79 Farmers Bank Portland First Farmers Bancshares, Inc. 7/12/1912 10 151 No 681,766 1.33 11.47
Source: S&P Global Market Intelligence 184 Tennessee – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Farmers State Bank Mountain City Farmers State Bancshares, Inc. 1/3/1902 3 49 No 144,451 0.72 4.67 Financial Federal Bank Memphis Financial FedCorp, Inc. 1/1/1973 1 56 Yes 633,887 1.06 8.24 First Advantage Bank Clarksville First Advantage Bancorp 1/1/1954 9 142 No 732,749 1.11 10.25 First Alliance Bank Cordova First Alliance Bancshares Inc. 9/27/1999 4 37 No 141,699 1.00 9.61 First Capital Bank Germantown Germantown Capital Corporation, Inc. 5/19/2003 1 26 No 344,330 0.96 8.72 First Century Bank Tazewell Claiborne Holding Company, Inc. 10/10/1899 9 90 No 412,293 1.36 13.71 First Citizens National Bank Dyersburg First Citizens Bancshares, Inc. 1/1/1889 25 336 No 1,781,866 1.08 9.45 First Commerce Bank Lewisburg First Commerce Bancorp, Inc. 12/2/2002 4 59 No 432,410 1.33 15.30 First Community Bank of East Tennessee Rogersville First Community Corporation 4/26/1993 7 59 No 165,197 1.00 8.43 First Community Bank of Tennessee Shelbyville First Community Bancorp, Inc. 4/28/1988 5 375 No 600,661 0.96 7.80 First Farmers and Commercial Bank Pikeville First Pikeville Bancshares, Inc. 9/30/1913 3 35 No 131,323 0.74 6.22 First Farmers and Merchants Bank Columbia First Farmers and Merchants Corporation 1/1/1909 22 281 No 1,366,701 1.22 12.14 First Federal Bank Dickson Southeastern Bancorp, Inc. 10/16/1936 17 168 Yes 720,999 1.12 9.12 First Freedom Bank Lebanon First Freedom Bancshares, Inc. 4/3/2006 6 70 No 484,408 1.24 11.93 First Horizon Bank Memphis First Horizon National Corporation 1/1/1864 272 4,858 No 43,532,696 1.21 9.68 First National Bank of Manchester Manchester FCB Corporation 1/2/1900 4 63 No 286,066 1.51 12.03 First National Bank of Middle Tennessee McMinnville First McMinnville Corporation 10/30/1874 9 133 No 520,101 1.27 10.04 First National Bank of Oneida Oneida 1/1/1904 5 59 Yes 219,180 1.01 8.84 First National Bank of Pulaski Pulaski First Pulaski National Corporation 1/12/1938 11 174 No 872,354 1.23 11.50 First National Bank of Tennessee Livingston 10/25/1965 7 143 Yes 873,516 1.34 11.08 First Peoples Bank of Tennessee Jefferson City First Peoples Bancorp, Inc. 1/2/1975 5 41 No 154,360 0.87 9.60 First Vision Bank of Tennessee Tullahoma First Vision Financial, Inc. 11/28/2005 4 60 No 270,912 1.17 11.61 First Volunteer Bank Chattanooga First Volunteer Corporation 5/3/1904 24 277 No 1,012,327 1.99 16.57 FirstBank Nashville FB Financial Corporation 1/1/1906 74 1,419 No 6,084,612 1.49 11.55 Franklin Synergy Bank Franklin Franklin Financial Network, Inc. 11/5/2007 15 330 No 3,813,303 0.75 7.09 Gates Banking and Trust Company Gates Security Bancorp of Tennessee, Inc. 9/1/1904 1 8 No 49,039 0.76 7.12 Greeneville Federal Bank, FSB Greeneville 8/2/1960 4 35 No 153,944 0.61 4.34 Greenfield Banking Company Greenfield Greenfield Bancshares, Inc. 8/16/1935 2 20 No 64,239 (0.05) (0.50) Hardin County Bank Savannah Hardin County Bancshares, Inc. 3/12/1973 5 95 No 502,570 1.18 13.09 Heritage Bank & Trust Columbia 3/6/2006 3 43 No 181,469 0.94 10.88 Heritage Community Bank Greeneville 12/3/2003 3 31 Yes 117,598 0.62 6.16 Highland Federal Savings & Loan Association Crossville 2/16/1961 2 17 No 62,220 0.48 2.12 Home Banking Company Selmer Home Bancshares, Inc. 3/15/1915 5 25 No 86,949 0.28 2.66 Home Federal Bank of Tennessee Knoxville 1/1/1924 23 406 No 2,231,298 0.58 3.11 Homeland Community Bank McMinnville 11/24/2003 3 32 No 151,931 0.88 10.02 Independent Bank Memphis Independent Holdings, Inc. 4/20/1998 9 218 No 1,055,904 1.32 10.52 InsBank Nashville InsCorp, Inc. 11/20/2000 2 45 No 536,690 0.98 8.87 INSOUTH Bank Brownsville Independent Southern Bancshares, Inc. 2/12/1869 6 95 No 341,322 1.35 13.68 Johnson County Bank Mountain City 7/24/1975 1 24 No 120,160 0.97 6.16 Landmark Community Bank Collierville 3/16/1999 8 80 No 968,815 0.91 10.17 Lauderdale County Bank Halls Lauderdale County Bancshares, Inc. 4/4/1979 2 17 No 50,271 0.47 4.25 Lawrenceburg Federal Bank Lawrenceburg 10/1/1934 1 14 No 71,331 0.59 2.64 Legends Bank Clarksville Legends Financial Holdings, Inc. 11/12/1998 8 94 No 506,219 1.04 10.83 Macon Bank and Trust Company Lafayette Macon Banctrust, Inc. 7/1/1919 8 104 No 415,957 0.65 5.23 McKenzie Banking Company McKenzie Progressive Financial Services, Inc. 2/28/1934 8 89 No 129,547 1.96 13.70 Millennium Bank Ooltewah PBD Holdings, LLC 6/21/1999 6 46 Yes 187,968 0.86 7.62 Mountain Commerce Bank Knoxville Mountain Commerce Bancorp, Inc. 1/1/1910 5 83 No 909,332 1.46 13.42 Mountain Valley Bank Dunlap Sequatchie County Bancorp, Inc. 10/2/1905 3 36 No 106,291 0.44 4.87 Newport Federal Bank Newport United Tennessee Bankshares, Inc. 8/1/1934 3 37 No 214,070 0.78 7.34 Paragon Bank Memphis Paragon Financial Solutions, Inc. 1/19/2005 5 76 No 413,541 0.87 8.22
Source: S&P Global Market Intelligence 185 Tennessee – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Patriot Bank Millington Patriot of Tennessee Corporation 10/1/2001 8 79 No 361,829 1.16 12.44 Peoples Bank Clifton P B Bancshares, Inc. 8/28/1890 3 49 No 208,902 0.91 10.34 Peoples Bank Sardis 1st Jackson Bancshares, Inc. 12/20/1920 5 30 No 86,441 0.82 8.67 Peoples Bank & Trust Company Manchester Peoples Bancorp, Inc. 1/1/1907 1 26 No 100,575 1.28 11.15 People's Bank and Trust Company of Pickett County Byrdstown Upper Cumberland Bancshares, Inc. 11/27/1978 1 34 No 125,039 1.16 8.78 Peoples Bank of East Tennessee Madisonville Peoples Bancshares of TN, Inc. 9/22/1997 9 85 No 228,228 1.26 11.11 Peoples Bank of Middle Tennessee Shelbyville 12/11/2000 1 26 No 154,191 1.17 9.93 Peoples Bank of the South La Follette 5/22/1917 3 35 Yes 151,263 1.36 9.71 Pinnacle Bank Nashville Pinnacle Financial Partners, Inc. 10/27/2000 117 2,412 No 27,417,529 1.59 9.61 Progressive Savings Bank Jamestown Progressive Financial Group, Inc. 6/6/1980 7 117 Yes 291,991 0.50 4.94 Putnam 1st Mercantile Bank Cookeville First Mercantile Financial Corporation 11/28/2005 3 25 Yes 127,233 1.01 8.87 Reliant Bank Brentwood Reliant Bancorp, Inc. 8/14/2006 17 296 No 1,854,931 1.07 8.47 Security Bank Dyersburg Security Bancorp of Tennessee, Inc. 4/3/1931 7 78 No 202,814 0.93 8.52 Security Bank and Trust Company Paris 1/1/1905 9 79 Yes 475,743 1.01 10.46 Security Federal Bank Elizabethton SFB Bancorp, Inc. 1/1/1963 2 17 No 62,667 0.36 2.43 Security Federal Savings Bank of McMinnville McMinnville Security Bancorp, Inc. 1/1/1959 3 54 No 217,793 1.18 11.08 Sevier County Bank Sevierville Sevier County Bancshares, Inc. 3/9/1909 6 72 No 325,969 (0.97) (16.17) Simply Bank Spring City 5/31/1890 6 78 Yes 368,081 0.64 6.62 SmartBank Pigeon Forge SmartFinancial, Inc. 1/8/2007 29 395 No 2,392,821 1.20 8.79 SouthEast Bank Farragut Educational Services of America, Inc. 4/29/2002 14 239 No 1,709,771 1.09 11.98 Southern Bank of Tennessee Mount Juliet 3/22/1999 4 63 Yes 288,757 0.84 6.32 Studio Bank Nashville 6/14/2018 1 51 No 196,542 (4.38) (14.53) Sumner Bank & Trust Gallatin 4/4/2005 3 35 No 181,631 0.98 10.84 Tennessee State Bank Pigeon Forge Tennessee State Bancshares, Inc. 6/19/1972 15 204 Yes 662,936 0.89 7.88 TNBANK Oak Ridge Tennessee Valley Financial Holdings, Inc. 5/30/1995 5 58 No 235,436 0.51 5.94 Tower Community Bank Jasper General Bancshares, Inc. 1/2/1970 9 65 No 207,970 0.66 6.75 Traditions First Bank Erin 11/30/2000 3 32 No 151,818 0.76 8.34 TriStar Bank Dickson TriStar Bancshares, Inc. 1/1/2000 5 68 No 304,288 0.74 9.14 Tri-State Bank of Memphis Memphis 12/16/1946 1 22 No 89,494 (0.16) (1.12) Triumph Bank Memphis Triumph Bancshares, Inc. 6/5/2006 6 152 No 840,014 0.71 7.88 Truxton Trust Company Nashville Truxton Corporation 8/30/2004 1 59 No 515,236 1.74 15.98 UBank Jellico 1/1/1918 1 17 Yes 67,033 0.82 5.90 Union Bank Jamestown Jamestown Union Bancshares, Inc. 8/15/1904 3 49 No 198,182 0.33 2.72 Union Bank & Trust Company Livingston Overton Financial Services, Inc. 10/25/1932 2 16 Yes 83,505 1.55 11.76 Volunteer Federal Savings Bank Madisonville 1/1/1973 6 74 No 214,621 0.85 6.26 Volunteer State Bank Portland Volunteer State Bancshares, Inc. 4/15/1977 11 106 Yes 729,523 0.78 5.60 Wayne County Bank Waynesboro Wayne County Bancshares, Inc. 2/14/1914 6 77 No 314,316 0.96 6.66 Wilson Bank and Trust Lebanon Wilson Bank Holding Company 5/11/1987 28 509 No 2,741,834 1.48 12.71
Source: S&P Global Market Intelligence 186 Tennessee – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 First Horizon Bank Memphis 4,858 272 32,305,295 118,769 160,047 6,650 8,961 43,532,696 2 Pinnacle Bank Nashville 2,412 117 20,205,443 172,696 234,338 8,377 11,367 27,417,529 3 FirstBank Nashville 1,419 74 4,929,913 66,620 82,224 3,474 4,288 6,084,612 4 Franklin Synergy Bank Franklin 330 15 3,062,741 204,183 254,220 9,281 11,555 3,813,303 5 Wilson Bank and Trust Lebanon 509 28 2,370,142 84,648 97,923 4,656 5,387 2,741,834 6 SmartBank Pigeon Forge 395 29 2,018,666 69,609 82,511 5,111 6,058 2,392,821 7 Home Federal Bank of Tennessee Knoxville 406 23 1,730,326 75,232 97,013 4,262 5,496 2,231,298 8 CapStar Bank Nashville 290 13 1,744,581 134,199 156,408 6,016 7,011 2,033,305 9 Reliant Bank Brentwood 296 17 1,614,049 94,944 109,114 5,453 6,267 1,854,931 10 First Citizens National Bank Dyersburg 336 25 1,471,400 58,856 71,275 4,379 5,303 1,781,866 11 SouthEast Bank Farragut 239 14 1,534,066 109,576 122,127 6,419 7,154 1,709,771 12 Bank of Tennessee Kingsport 280 23 1,132,723 49,249 62,469 4,045 5,131 1,436,790 13 First Farmers and Merchants Bank Columbia 281 22 1,178,861 53,585 62,123 4,195 4,864 1,366,701 14 Commercial Bank Harrogate 254 27 1,070,704 39,656 49,187 4,215 5,229 1,328,050 15 F&M Bank Clarksville 299 20 964,909 48,245 58,745 3,227 3,929 1,174,906 16 Citizens National Bank Sevierville 202 22 956,725 43,488 50,055 4,736 5,451 1,101,200 17 Independent Bank Memphis 218 9 886,992 98,555 117,323 4,069 4,844 1,055,904 18 First Volunteer Bank Chattanooga 277 24 877,447 36,560 42,180 3,168 3,655 1,012,327 19 Landmark Community Bank Collierville 80 8 805,301 100,663 121,102 10,066 12,110 968,815 20 Citizens Bank of Lafayette Lafayette 221 19 744,140 39,165 48,928 3,367 4,206 929,630 21 Mountain Commerce Bank Knoxville 83 5 784,198 156,840 181,866 9,448 10,956 909,332 22 Citizens Tri-County Bank Dunlap 282 26 803,573 30,907 34,907 2,850 3,218 907,589 23 First National Bank of Tennessee Livingston 143 7 760,586 108,655 124,788 5,319 6,109 873,516 24 First National Bank of Pulaski Pulaski 174 11 762,909 69,355 79,305 4,385 5,014 872,354 25 Bank of Putnam County Cookeville 230 19 789,180 41,536 45,756 3,431 3,780 869,370 26 Citizens Bank Elizabethton 200 13 717,115 55,163 66,576 3,586 4,327 865,493 27 Triumph Bank Memphis 152 6 713,811 118,969 140,002 4,696 5,526 840,014 28 Commercial Bank & Trust Company Paris 183 10 691,613 69,161 78,939 3,779 4,314 789,392 29 First Advantage Bank Clarksville 142 9 608,850 67,650 81,417 4,288 5,160 732,749 30 Volunteer State Bank Portland 106 11 598,612 54,419 66,320 5,647 6,882 729,523 31 First Federal Bank Dickson 168 17 617,289 36,311 42,412 3,674 4,292 720,999 32 Farmers Bank Portland 151 10 580,259 58,026 68,177 3,843 4,515 681,766 33 Tennessee State Bank Pigeon Forge 204 15 582,796 38,853 44,196 2,857 3,250 662,936 34 Bank of Fayette County Piperton 129 11 567,356 51,578 59,962 4,398 5,113 659,580 35 Financial Federal Bank Memphis 56 1 480,677 480,677 633,887 8,584 11,319 633,887 36 Citizens Bank Carthage 74 8 496,638 62,080 77,251 6,711 8,351 618,005 37 First Community Bank of Tennessee Shelbyville 375 5 378,715 75,743 120,132 1,010 1,602 600,661 38 Apex Bank Camden 130 15 480,554 32,037 39,433 3,697 4,550 591,499 39 Centennial Bank Trezevant 152 13 493,250 37,942 44,936 3,245 3,843 584,165 40 InsBank Nashville 45 2 419,195 209,598 268,345 9,315 11,926 536,690 41 First National Bank of Middle Tennessee McMinnville 133 9 408,507 45,390 57,789 3,071 3,911 520,101 42 Evolve Bank & Trust Memphis 334 4 434,050 108,513 129,689 1,300 1,553 518,755 43 Truxton Trust Company Nashville 59 1 432,070 432,070 515,236 7,323 8,733 515,236 44 Legends Bank Clarksville 94 8 428,967 53,621 63,277 4,563 5,385 506,219 45 Hardin County Bank Savannah 95 5 434,496 86,899 100,514 4,574 5,290 502,570 46 First Freedom Bank Lebanon 70 6 421,105 70,184 80,735 6,016 6,920 484,408 47 Security Bank and Trust Company Paris 79 9 412,823 45,869 52,860 5,226 6,022 475,743 48 First Commerce Bank Lewisburg 59 4 384,145 96,036 108,103 6,511 7,329 432,410 49 Macon Bank and Trust Company Lafayette 104 8 352,529 44,066 51,995 3,390 4,000 415,957 50 Paragon Bank Memphis 76 5 346,797 69,359 82,708 4,563 5,441 413,541
Source: S&P Global Market Intelligence 187 Tennessee – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Apex Bank Camden 591,499 9.81 4.09 1.35 3.05 98.03 4.70 7.55 2 McKenzie Banking Company McKenzie 129,547 7.02 (5.85) 0.55 0.59 64.93 2.22 6.42 3 Union Bank & Trust Company Livingston 83,505 7.29 (0.46) 0.55 (2.72) 83.43 2.62 5.68 4 First Volunteer Bank Chattanooga 1,012,327 6.27 1.26 0.34 0.76 91.56 2.35 5.30 5 People's Bank and Trust Company of Pickett County Byrdstown 125,039 7.16 3.03 1.22 3.99 84.69 2.55 5.05 6 Volunteer State Bank Portland 729,523 6.64 (9.62) 1.08 15.01 88.69 4.54 5.03 7 Citizens Community Bank Winchester 235,967 7.09 2.59 0.92 6.46 77.21 2.61 4.99 8 Peoples Bank of East Tennessee Madisonville 228,228 6.11 7.08 0.35 5.81 81.84 2.66 4.97 9 Centennial Bank Trezevant 584,165 6.52 13.65 1.17 29.61 87.94 2.92 4.92 10 Peoples Bank of the South La Follette 151,263 5.95 2.02 0.87 2.99 101.34 3.98 4.85 11 Bank of Waynesboro Waynesboro 173,060 6.47 1.86 0.77 3.99 80.88 2.62 4.84 12 Decatur County Bank Decaturville 132,003 6.21 21.83 0.97 20.05 85.23 4.06 4.78 12 Independent Bank Memphis 1,055,904 5.99 9.58 1.09 7.05 100.34 2.86 4.78 14 First Alliance Bank Cordova 141,699 5.99 7.43 0.90 3.72 96.37 2.54 4.72 15 INSOUTH Bank Brownsville 341,322 5.90 6.25 0.71 4.07 100.59 2.47 4.68 15 UBank Jellico 67,033 6.38 4.44 0.80 (0.46) 85.42 2.57 4.68 17 Community National Bank Dayton 265,954 6.30 13.97 0.75 20.19 79.80 2.20 4.67 18 Citizens Bank Hartsville 239,906 6.43 1.90 1.27 16.80 85.32 2.51 4.60 18 Mountain Valley Bank Dunlap 106,291 5.94 5.01 0.53 4.14 81.95 2.35 4.60 20 Bank of Perry County Lobelville 172,294 6.05 5.57 1.29 2.14 105.21 2.10 4.58 21 Peoples Bank & Trust Company Manchester 100,575 5.69 5.28 0.45 (1.23) 86.48 2.29 4.56 22 Coffee County Bank Manchester 198,100 6.24 3.42 1.33 5.69 95.79 2.48 4.53 23 Millennium Bank Ooltewah 187,968 6.47 12.34 1.10 6.37 87.67 2.84 4.50 23 Carroll Bank and Trust Huntingdon 291,753 5.80 3.35 0.84 5.74 86.47 2.63 4.50 23 Citizens Savings Bank and Trust Company Nashville 99,727 6.03 (3.20) 0.91 (5.77) 90.79 2.08 4.50 26 Simply Bank Spring City 368,081 6.03 7.77 1.09 14.94 93.60 2.94 4.49 27 Andrew Johnson Bank Greeneville 382,821 5.62 0.15 0.79 2.18 91.13 2.86 4.48 28 Civis Bank Rogersville 88,864 5.83 (9.64) 0.40 (4.55) 64.59 2.63 4.44 28 Bank of Cleveland Cleveland 278,681 5.72 3.12 0.77 2.98 100.11 2.38 4.44 28 Peoples Bank Clifton 208,902 6.60 2.34 1.52 (0.64) 89.70 2.43 4.44 31 FirstBank Nashville 6,084,612 6.01 20.43 0.96 18.81 94.34 2.93 4.43 32 BankTennessee Collierville 311,380 5.68 6.19 0.94 5.91 90.26 3.32 4.42 33 Central Bank Savannah 98,606 5.91 10.10 0.49 4.38 76.79 2.45 4.41 34 Evolve Bank & Trust Memphis 518,755 5.91 (1.05) 0.94 12.49 96.50 2.16 4.39 35 Citizens Tri-County Bank Dunlap 907,589 6.87 6.82 1.12 7.77 71.55 2.57 4.37 36 Wayne County Bank Waynesboro 314,316 6.32 (5.06) 1.45 (0.41) 86.79 2.87 4.34 37 First Peoples Bank of Tennessee Jefferson City 154,360 5.47 4.59 0.38 7.78 78.68 1.72 4.32 38 Farmers State Bank Mountain City 144,451 5.72 1.08 0.56 0.67 80.35 2.61 4.31 39 First National Bank of Manchester Manchester 286,066 6.00 0.49 0.75 0.80 80.87 2.27 4.30 40 Peoples Bank Sardis 86,441 5.90 6.60 1.01 1.46 88.02 2.70 4.27 41 Farmers Bank Parsons 37,378 6.77 (0.46) 0.72 1.99 59.63 2.94 4.26 42 Greenfield Banking Company Greenfield 64,239 5.93 (0.47) 1.26 9.80 92.53 2.21 4.22 43 Bank of Lincoln County Fayetteville 146,017 5.51 9.37 1.04 4.56 91.73 2.82 4.20 44 Citizens Bank Elizabethton 865,493 6.02 4.72 1.04 8.38 83.60 3.50 4.16 45 SmartBank Pigeon Forge 2,392,821 5.58 17.83 1.14 16.59 92.53 2.84 4.15 45 First Community Bank of East Tennessee Rogersville 165,197 5.22 1.29 0.34 (6.23) 87.22 2.21 4.15 47 First National Bank of Oneida Oneida 219,180 6.05 12.96 0.89 1.84 80.64 2.50 4.14 47 First Century Bank Tazewell 412,293 5.37 9.75 1.01 4.89 96.31 2.26 4.14 47 First Advantage Bank Clarksville 732,749 5.94 13.05 1.66 24.07 102.20 2.83 4.14 50 Bank of Frankewing Frankewing 303,023 5.99 11.19 1.29 15.66 88.17 3.18 4.13
Source: S&P Global Market Intelligence 188 Tennessee – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 First Community Bank of Tennessee Shelbyville 600,661 4,754 0.14 7.53 0.42 0.00 42,775 8.61 2 Evolve Bank & Trust Memphis 518,755 4,505 1.05 4.12 0.17 0.01 38,231 8.02 3 Brighton Bank Brighton 40,962 (902) 0.32 1.75 0.04 0.00 1,125 2.69 4 Volunteer State Bank Portland 729,523 7,745 0.31 2.47 -0.51 0.00 18,374 2.46 5 Truxton Trust Company Nashville 515,236 8,577 0.06 0.01 0.00 0.00 11,410 2.31 5 FirstBank Nashville 6,084,612 81,600 0.17 1.63 0.12 0.00 126,870 2.31 7 McKenzie Banking Company McKenzie 129,547 2,531 0.69 0.00 0.00 (0.04) 2,621 2.03 8 Citizens Bank Elizabethton 865,493 17,432 0.14 1.27 0.21 0.00 17,293 1.99 9 F&M Bank Clarksville 1,174,906 6,899 0.11 1.47 0.00 0.01 22,346 1.98 10 Tower Community Bank Jasper 207,970 1,323 0.34 0.00 0.00 0.00 3,828 1.90 11 First National Bank of Middle Tennessee McMinnville 520,101 6,489 0.10 1.39 0.00 0.00 9,361 1.83 12 Patriot Bank Millington 361,829 3,974 0.16 1.34 0.00 (0.07) 5,461 1.60 13 Bank of Bartlett Bartlett 351,814 2,691 0.34 0.91 0.00 (0.02) 5,600 1.59 14 Progressive Savings Bank Jamestown 291,991 1,979 0.27 0.00 0.06 (0.17) 4,601 1.56 15 Apex Bank Camden 591,499 19,481 0.12 0.35 0.05 0.59 8,739 1.52 16 Security Bank Dyersburg 202,814 1,822 0.23 0.14 0.00 0.05 2,958 1.51 17 Independent Bank Memphis 1,055,904 13,535 0.09 0.21 0.00 0.00 15,064 1.47 18 INSOUTH Bank Brownsville 341,322 4,419 0.70 0.00 0.00 0.02 4,643 1.42 19 First Horizon Bank Memphis 43,532,696 495,131 0.26 0.01 0.00 0.00 564,585 1.38 20 Commercial Bank & Trust Company Paris 789,392 13,672 0.15 0.08 0.00 (0.02) 10,196 1.35 21 CapStar Bank Nashville 2,033,305 17,124 0.16 0.62 0.01 0.00 25,051 1.26 22 First Farmers and Merchants Bank Columbia 1,366,701 16,560 0.23 0.07 0.00 0.00 16,165 1.19 23 Triumph Bank Memphis 840,014 5,611 0.04 0.98 0.00 0.00 9,154 1.16 24 First Volunteer Bank Chattanooga 1,012,327 19,794 0.32 0.09 0.00 0.03 11,496 1.15 25 Wilson Bank and Trust Lebanon 2,741,834 38,672 0.26 0.26 0.00 0.00 28,907 1.11 26 Bank of Putnam County Cookeville 869,370 11,196 0.39 0.00 0.00 0.00 9,140 1.09 26 Paragon Bank Memphis 413,541 3,522 0.12 0.79 0.00 (0.02) 4,411 1.09 28 First Vision Bank of Tennessee Tullahoma 270,912 3,022 0.16 0.58 0.00 0.00 2,620 1.02 29 Highland Federal Savings & Loan Association Crossville 62,220 296 0.27 0.16 0.18 0.00 617 1.01 30 Central Bank Savannah 98,606 2,668 0.78 0.00 0.00 (0.25) 934 0.99 30 Citizens Tri-County Bank Dunlap 907,589 15,969 0.55 0.11 0.00 0.00 8,666 0.99 32 Tennessee State Bank Pigeon Forge 662,936 7,625 0.37 0.00 0.00 0.01 6,207 0.97 33 Peoples Bank of East Tennessee Madisonville 228,228 2,756 0.50 0.00 0.00 0.00 2,024 0.93 34 First Citizens National Bank Dyersburg 1,781,866 18,555 0.30 0.17 0.00 0.00 15,801 0.92 34 Studio Bank Nashville 196,542 (5,924) 0.01 0.79 0.00 0.00 1,247 0.92 36 Pinnacle Bank Nashville 27,417,529 405,577 0.11 0.11 0.02 (0.01) 231,573 0.91 36 Farmers Bank Portland 681,766 8,976 0.36 0.16 0.00 0.01 6,161 0.91 38 Bank of Waynesboro Waynesboro 173,060 2,690 0.33 0.00 0.00 0.06 1,477 0.87 38 Peoples Bank & Trust Company Manchester 100,575 1,317 0.28 0.10 0.00 0.00 889 0.87 40 Community National Bank Dayton 265,954 2,279 0.37 0.00 0.00 0.03 2,069 0.84 41 Bank of Ripley Ripley 217,989 1,870 0.50 0.00 0.00 0.00 1,825 0.82 42 UBank Jellico 67,033 721 0.48 0.00 0.00 0.00 528 0.80 42 Citizens Bank of Lafayette Lafayette 929,630 11,564 0.39 0.01 0.00 0.00 7,316 0.80 42 Security Federal Savings Bank of McMinnville McMinnville 217,793 2,501 0.20 0.10 0.09 0.00 1,694 0.80 45 First Century Bank Tazewell 412,293 5,399 0.32 0.02 0.08 0.00 3,131 0.79 46 American Bank & Trust of the Cumberlands Livingston 254,469 3,269 0.13 0.20 0.14 0.00 1,845 0.77 47 First National Bank of Oneida Oneida 219,180 2,905 0.41 0.00 0.00 (0.04) 1,652 0.76 47 Heritage Bank & Trust Columbia 181,469 1,555 0.30 0.00 0.00 0.05 1,257 0.76 49 Tri-State Bank of Memphis Memphis 89,494 (137) 0.56 0.00 0.00 (0.11) 667 0.75 50 Peoples Bank Clifton 208,902 1,916 0.22 0.00 0.00 (0.26) 1,554 0.74 50 Bank of Cleveland Cleveland 278,681 4,073 0.08 0.52 0.00 (0.10) 2,032 0.74
Source: S&P Global Market Intelligence 189 Tennessee – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Citizens Bank Carthage 618,005 31.35 74 8 0.76 0.10 0.45 1.31 2 Landmark Community Bank Collierville 968,815 51.81 80 8 0.84 0.19 0.28 1.32 3 Elizabethton Federal Savings Bank Elizabethton 296,808 43.04 33 5 0.77 0.18 0.40 1.35 4 Mountain Commerce Bank Knoxville 909,332 47.58 83 5 0.98 0.20 0.53 1.71 5 First Capital Bank Germantown 344,330 56.68 26 1 1.00 0.22 0.49 1.71 6 Bank of Crockett Bells 177,500 47.35 33 5 0.85 0.28 0.60 1.73 7 Pinnacle Bank Nashville 27,417,529 44.55 2,412 117 1.12 0.19 0.48 1.79 8 Franklin Synergy Bank Franklin 3,813,303 57.38 330 15 1.08 0.23 0.50 1.81 9 Gates Banking and Trust Company Gates 49,039 64.76 8 1 0.92 0.22 0.72 1.86 10 InsBank Nashville 536,690 57.25 45 2 1.13 0.22 0.57 1.91 11 Financial Federal Bank Memphis 633,887 56.16 56 1 1.41 0.16 0.36 1.93 12 Bank of Jackson Jackson 191,409 63.05 24 3 0.98 0.30 0.68 1.96 13 Bank of Halls Halls 85,752 55.30 16 2 1.02 0.32 0.69 2.03 14 First Commerce Bank Lewisburg 432,410 52.01 59 4 1.28 0.18 0.60 2.07 15 Newport Federal Bank Newport 214,070 66.28 37 3 1.09 0.29 0.71 2.08 16 First Federal Bank Dickson 720,999 53.49 168 17 1.18 0.20 0.75 2.13 17 Home Federal Bank of Tennessee Knoxville 2,231,298 76.11 406 23 1.39 0.30 0.50 2.19 18 Commercial Bank Harrogate 1,328,050 54.36 254 27 1.16 0.35 0.70 2.21 19 Citizens Community Bank Winchester 235,967 45.70 44 3 1.43 0.16 0.67 2.26 20 Bank of Gleason Gleason 112,591 64.55 22 2 1.36 0.20 0.75 2.31 21 First National Bank of Manchester Manchester 286,066 51.38 63 4 1.34 0.45 0.53 2.32 22 Citizens National Bank Sevierville 1,101,200 54.06 202 22 1.24 0.33 0.75 2.33 23 Coffee County Bank Manchester 198,100 46.92 49 3 1.27 0.21 0.86 2.34 24 First Freedom Bank Lebanon 484,408 57.70 70 6 1.33 0.28 0.75 2.36 25 First National Bank of Tennessee Livingston 873,516 57.89 143 7 1.46 0.33 0.60 2.38 26 Putnam 1st Mercantile Bank Cookeville 127,233 56.28 25 3 1.22 0.28 0.90 2.39 27 Hardin County Bank Savannah 502,570 62.19 95 5 1.55 0.29 0.56 2.40 28 Citizens Bank and Trust Company of Grainger County Rutledge 205,651 60.53 47 5 1.35 0.20 0.86 2.40 29 Citizens Bank & Trust Company Atwood 24,672 76.73 5 1 1.10 0.28 1.09 2.47 30 Bank of Dickson Dickson 238,236 65.40 49 4 1.35 0.33 0.80 2.48 31 Bank of Fayette County Piperton 659,580 60.37 129 11 1.52 0.27 0.69 2.49 32 CBBC Bank Maryville 357,873 65.86 79 8 1.34 0.31 0.87 2.52 33 SmartBank Pigeon Forge 2,392,821 61.13 395 29 1.48 0.28 0.77 2.52 34 First National Bank of Pulaski Pulaski 872,354 59.15 174 11 1.49 0.33 0.71 2.53 35 Peoples Bank of Middle Tennessee Shelbyville 154,191 60.25 26 1 1.48 0.25 0.82 2.55 36 Security Bank and Trust Company Paris 475,743 61.60 79 9 1.64 0.22 0.69 2.55 37 Bank of Putnam County Cookeville 869,370 63.81 230 19 1.59 0.28 0.71 2.59 38 CedarStone Bank Lebanon 207,445 69.03 34 3 1.25 0.46 0.92 2.63 39 First Horizon Bank Memphis 43,532,696 60.87 4,858 272 1.59 0.28 0.82 2.70 40 Reliant Bank Brentwood 1,854,931 71.13 296 17 1.66 0.40 0.64 2.70 41 Citizens Tri-County Bank Dunlap 907,589 55.39 282 26 1.69 0.31 0.71 2.71 42 Wilson Bank and Trust Lebanon 2,741,834 57.83 509 28 1.58 0.39 0.75 2.72 43 Citizens Bank of Lafayette Lafayette 929,630 59.70 221 19 1.65 0.26 0.81 2.72 44 Citizens Bank Hartsville 239,906 57.91 52 3 1.58 0.28 0.87 2.73 45 SouthEast Bank Farragut 1,709,771 63.39 239 14 1.32 0.28 1.14 2.74 46 Security Federal Savings Bank of McMinnville McMinnville 217,793 62.49 54 3 1.61 0.32 0.81 2.74 47 Macon Bank and Trust Company Lafayette 415,957 77.01 104 8 1.76 0.29 0.70 2.75 48 Sumner Bank & Trust Gallatin 181,631 67.64 35 3 1.49 0.37 0.90 2.76 49 First Farmers and Commercial Bank Pikeville 131,323 69.17 35 3 1.71 0.46 0.61 2.78 50 First Citizens National Bank Dyersburg 1,781,866 65.59 336 25 1.71 0.32 0.76 2.79
Source: S&P Global Market Intelligence 190 Tennessee – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Studio Bank Nashville 196,542 142,099 0.89 0.00 0.00 0.00 0.00 0.00 2 Bank of Milan Milan 79,103 39,996 0.54 0.07 0.00 0.00 (0.01) 0.06 3 Traditions First Bank Erin 151,818 90,063 0.77 0.07 0.00 0.00 0.00 0.07 4 Peoples Bank & Trust Company Manchester 100,575 74,801 1.29 0.02 0.00 0.03 0.03 0.08 5 Sumner Bank & Trust Gallatin 181,631 123,903 0.91 0.05 0.00 0.08 0.03 0.16 6 Truxton Trust Company Nashville 515,236 339,778 1.00 0.03 0.00 0.21 0.00 0.24 7 Bank of Putnam County Cookeville 869,370 522,673 0.86 0.12 0.05 0.01 0.06 0.24 8 Southern Bank of Tennessee Mount Juliet 288,757 216,808 0.86 0.24 0.00 0.01 0.00 0.25 9 First Century Bank Tazewell 412,293 355,933 1.26 0.02 0.00 0.23 0.02 0.27 10 First National Bank of Middle Tennessee McMinnville 520,101 340,294 1.01 0.08 0.07 0.13 0.00 0.27 11 InsBank Nashville 536,690 451,016 1.16 0.00 0.00 0.24 0.04 0.28 12 First Commerce Bank Lewisburg 432,410 305,613 1.23 0.06 0.00 0.23 0.01 0.31 13 Legends Bank Clarksville 506,219 389,086 1.00 0.15 0.00 0.08 0.08 0.31 14 Security Bank and Trust Company Paris 475,743 368,015 0.32 0.24 0.03 0.04 0.00 0.31 15 Gates Banking and Trust Company Gates 49,039 18,260 1.68 0.00 0.00 0.32 0.00 0.32 16 First Community Bank of Tennessee Shelbyville 600,661 441,545 0.61 0.18 0.00 0.17 (0.03) 0.32 17 Financial Federal Bank Memphis 633,887 609,157 1.14 0.16 0.00 0.17 (0.01) 0.32 18 SmartBank Pigeon Forge 2,392,821 1,868,470 0.52 0.12 0.03 0.22 0.03 0.41 19 First Farmers and Merchants Bank Columbia 1,366,701 901,560 0.99 0.19 0.10 0.20 0.00 0.49 20 F&M Bank Clarksville 1,174,906 866,585 0.40 0.08 0.06 0.29 0.07 0.50 21 Reliant Bank Brentwood 1,854,931 1,367,436 0.90 0.06 0.01 0.50 (0.04) 0.53 22 Franklin Synergy Bank Franklin 3,813,303 2,856,753 0.93 0.07 0.00 0.11 0.36 0.53 23 Bank of Crockett Bells 177,500 69,841 1.38 0.40 0.09 0.10 0.00 0.59 24 Heritage Bank & Trust Columbia 181,469 134,230 1.91 0.15 0.00 0.73 (0.29) 0.60 25 American Bank & Trust of the Cumberlands Livingston 254,469 200,047 1.18 0.43 0.02 0.22 (0.08) 0.60 26 Citizens National Bank Sevierville 1,101,200 831,208 1.39 0.10 0.16 0.32 0.04 0.61 27 CedarStone Bank Lebanon 207,445 156,893 0.82 0.24 0.00 0.32 0.06 0.62 28 SouthEast Bank Farragut 1,709,771 1,555,197 0.40 0.19 0.05 0.30 0.08 0.62 29 Community Bank Lexington 163,929 129,152 1.13 0.38 0.06 0.12 0.06 0.62 30 Wilson Bank and Trust Lebanon 2,741,834 2,000,548 1.42 0.35 0.04 0.22 0.03 0.65 31 Volunteer State Bank Portland 729,523 530,929 0.50 0.04 0.01 0.64 0.01 0.70 32 BankTennessee Collierville 311,380 249,351 1.34 0.18 0.00 0.62 (0.03) 0.77 33 Millennium Bank Ooltewah 187,968 145,893 1.21 0.07 0.00 0.79 (0.09) 0.77 34 First Capital Bank Germantown 344,330 301,753 0.73 0.00 0.00 0.78 0.00 0.78 35 Commercial Bank & Trust Company Paris 789,392 498,309 1.37 0.22 0.03 0.45 0.08 0.79 36 Bank of Tennessee Kingsport 1,436,790 1,124,068 0.70 0.33 0.00 0.44 0.03 0.80 37 Andrew Johnson Bank Greeneville 382,821 309,042 1.61 0.35 0.00 0.46 0.03 0.84 38 First Citizens National Bank Dyersburg 1,781,866 1,016,653 1.16 0.37 0.01 0.43 0.04 0.85 39 CBBC Bank Maryville 357,873 198,639 1.67 0.10 0.00 0.74 0.02 0.86 40 Pinnacle Bank Nashville 27,417,529 19,439,996 0.48 0.22 0.01 0.55 0.10 0.88 41 Home Federal Bank of Tennessee Knoxville 2,231,298 1,026,588 0.90 0.09 0.00 0.81 0.00 0.90 42 Mountain Commerce Bank Knoxville 909,332 783,829 0.72 0.04 0.00 0.83 0.04 0.91 43 TriStar Bank Dickson 304,288 231,044 1.13 0.48 0.05 0.29 0.11 0.93 44 CapStar Bank Nashville 2,033,305 1,541,380 0.83 0.44 0.02 0.36 0.30 1.13 45 Volunteer Federal Savings Bank Madisonville 214,621 132,458 0.48 0.28 0.39 0.46 0.02 1.15 46 Security Federal Savings Bank of McMinnville McMinnville 217,793 163,563 1.00 0.60 0.00 0.55 0.00 1.15 47 Citizens Bank Hartsville 239,906 178,119 1.58 0.60 0.00 0.55 0.03 1.18 48 Landmark Community Bank Collierville 968,815 772,243 0.83 0.35 0.00 0.77 0.07 1.20 49 First Advantage Bank Clarksville 732,749 622,238 0.87 0.19 0.00 0.83 0.19 1.20 50 Paragon Bank Memphis 413,541 340,835 1.31 0.62 0.11 0.27 0.22 1.23
Source: S&P Global Market Intelligence 191 Tennessee – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Apex Bank Camden 591,499 19,481 130 150 17,497 20,058 3.39 25.58 2 Central Bank Savannah 98,606 2,668 41 65 1,156 728 2.82 22.48 3 First Volunteer Bank Chattanooga 1,012,327 19,794 277 71 18,000 13,074 1.99 16.57 4 Truxton Trust Company Nashville 515,236 8,577 59 145 6,932 5,725 1.74 15.98 5 Coffee County Bank Manchester 198,100 4,733 49 97 4,821 4,422 1.84 15.79 6 First Commerce Bank Lewisburg 432,410 5,605 59 95 4,783 4,148 1.33 15.30 7 First Century Bank Tazewell 412,293 5,399 90 60 4,666 3,125 1.36 13.71 8 McKenzie Banking Company McKenzie 129,547 2,531 89 28 2,836 614 1.96 13.70 9 INSOUTH Bank Brownsville 341,322 4,419 95 47 3,919 2,453 1.35 13.68 10 Mountain Commerce Bank Knoxville 909,332 12,475 83 150 8,696 6,276 1.46 13.42 11 Bank of Perry County Lobelville 172,294 2,833 39 73 2,830 2,623 1.26 13.30 12 Citizens Community Bank Winchester 235,967 3,860 44 88 3,823 3,577 1.69 13.29 13 Bank of Putnam County Cookeville 869,370 11,196 230 49 10,869 7,674 1.00 13.22 14 Hardin County Bank Savannah 502,570 5,962 95 63 4,826 4,626 1.18 13.09 15 Citizens Tri-County Bank Dunlap 907,589 15,969 282 57 14,821 13,677 1.37 13.05 16 Citizens Bank Hartsville 239,906 3,210 52 62 2,777 2,329 1.42 12.99 17 Commercial Bank Harrogate 1,328,050 15,676 254 62 12,966 9,640 1.25 12.89 18 Citizens National Bank Sevierville 1,101,200 20,634 202 102 18,598 13,403 1.45 12.89 19 Bank of Crockett Bells 177,500 2,377 33 72 2,307 2,106 1.41 12.85 20 Wilson Bank and Trust Lebanon 2,741,834 38,672 509 76 27,597 27,384 1.48 12.71 21 Patriot Bank Millington 361,829 3,974 79 50 3,039 3,161 1.16 12.44 22 First Farmers and Merchants Bank Columbia 1,366,701 16,560 281 59 13,130 10,997 1.22 12.14 23 Bank of Lincoln County Fayetteville 146,017 2,311 37 62 2,192 1,852 1.61 12.09 24 Commercial Bank & Trust Company Paris 789,392 13,672 183 75 13,349 12,634 1.36 12.06 25 Bank of Waynesboro Waynesboro 173,060 2,690 61 44 2,661 2,091 1.58 12.04 26 First National Bank of Manchester Manchester 286,066 4,339 63 69 4,195 3,276 1.51 12.03 27 SouthEast Bank Farragut 1,709,771 16,697 239 70 10,109 11,961 1.09 11.98 28 First Freedom Bank Lebanon 484,408 5,840 70 83 4,150 3,975 1.24 11.93 29 Bank of Fayette County Piperton 659,580 6,595 129 51 6,073 4,407 1.04 11.83 30 Citizens Bank Elizabethton 865,493 17,432 200 87 14,482 14,167 1.51 11.81 31 Bank of Tennessee Kingsport 1,436,790 19,076 280 68 16,738 13,594 1.03 11.81 32 Citizens Bank Carthage 618,005 12,691 74 172 12,889 12,807 2.13 11.77 33 Union Bank & Trust Company Livingston 83,505 1,688 16 106 1,873 1,802 1.55 11.76 34 First Vision Bank of Tennessee Tullahoma 270,912 3,022 60 50 2,269 2,002 1.17 11.61 35 FirstBank Nashville 6,084,612 81,600 1,419 58 89,072 40,530 1.49 11.55 36 First National Bank of Pulaski Pulaski 872,354 10,466 174 60 8,285 8,184 1.23 11.50 37 Farmers Bank Portland 681,766 8,976 151 59 8,463 8,070 1.33 11.47 38 Bank of Frankewing Frankewing 303,023 3,664 69 53 2,895 1,992 1.28 11.37 39 Bank of Halls Halls 85,752 991 16 62 981 847 1.20 11.36 40 American Bank & Trust of the Cumberlands Livingston 254,469 3,269 48 68 3,171 2,651 1.02 11.29 41 Andrew Johnson Bank Greeneville 382,821 4,463 98 46 3,991 3,513 1.19 11.27 42 Peoples Bank & Trust Company Manchester 100,575 1,317 26 51 945 501 1.28 11.15 43 Peoples Bank of East Tennessee Madisonville 228,228 2,756 85 32 2,016 1,604 1.26 11.11 44 Security Federal Savings Bank of McMinnville McMinnville 217,793 2,501 54 46 1,922 1,842 1.18 11.08 45 First National Bank of Tennessee Livingston 873,516 15,096 143 106 12,151 9,692 1.34 11.08 46 Heritage Bank & Trust Columbia 181,469 1,555 43 36 1,502 1,137 0.94 10.88 47 Sumner Bank & Trust Gallatin 181,631 1,745 35 50 1,419 943 0.98 10.84 48 Legends Bank Clarksville 506,219 5,136 94 55 3,789 3,728 1.04 10.83 49 Citizens Bank of Lafayette Lafayette 929,630 11,564 221 52 11,397 9,866 1.26 10.72 50 Evolve Bank & Trust Memphis 518,755 4,505 334 13 3,505 3,392 0.94 10.56
Source: S&P Global Market Intelligence 192 Tennessee – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 First Century Bank Tazewell 412,293 47 45 53 9 7 32.2 2 First Volunteer Bank Chattanooga 1,012,327 4 24 95 69 3 39.0 3 Bank of Putnam County Cookeville 869,370 123 26 37 7 13 41.2 4 Citizens National Bank Sevierville 1,101,200 67 75 22 26 18 41.6 5 Citizens Bank Hartsville 239,906 18 84 44 47 16 41.8 5 Wilson Bank and Trust Lebanon 2,741,834 92 25 42 30 20 41.8 7 Peoples Bank & Trust Company Manchester 100,575 21 38 106 4 42 42.2 8 Truxton Trust Company Nashville 515,236 117 5 85 6 4 43.4 9 Commercial Bank & Trust Company Paris 789,392 63 20 78 35 24 44.0 10 Coffee County Bank Manchester 198,100 22 70 23 101 5 44.2 11 Citizens Tri-County Bank Dunlap 907,589 35 30 41 108 15 45.8 12 First Farmers and Merchants Bank Columbia 1,366,701 104 22 68 19 22 47.0 13 First Commerce Bank Lewisburg 432,410 85 120 14 12 6 47.4 14 INSOUTH Bank Brownsville 341,322 15 18 121 75 9 47.6 14 SouthEast Bank Farragut 1,709,771 79 59 45 28 27 47.6 16 Citizens Community Bank Winchester 235,967 7 110 19 96 12 48.8 17 American Bank & Trust of the Cumberlands Livingston 254,469 67 46 67 25 40 49.0 18 Bank of Waynesboro Waynesboro 173,060 11 38 87 85 25 49.2 19 Pinnacle Bank Nashville 27,417,529 102 36 7 40 63 49.6 20 Apex Bank Camden 591,499 1 15 114 118 1 49.8 21 FirstBank Nashville 6,084,612 31 5 125 54 35 50.0 22 First National Bank of Manchester Manchester 286,066 39 87 21 79 26 50.4 23 Legends Bank Clarksville 506,219 79 54 61 13 48 51.0 24 Security Federal Savings Bank of McMinnville McMinnville 217,793 79 42 46 46 44 51.4 24 First Freedom Bank Lebanon 484,408 63 87 24 55 28 51.4 24 Bank of Tennessee Kingsport 1,436,790 77 56 57 36 31 51.4 24 Farmers Bank Portland 681,766 54 36 70 60 37 51.4 28 Citizens Bank Elizabethton 865,493 44 8 113 65 30 52.0 29 Security Bank and Trust Company Paris 475,743 97 62 36 14 52 52.2 30 Bank of Perry County Lobelville 172,294 20 78 60 95 11 52.8 31 Andrew Johnson Bank Greeneville 382,821 27 82 82 37 41 53.8 32 Bank of Cleveland Cleveland 278,681 28 50 66 66 60 54.0 33 Independent Bank Memphis 1,055,904 12 17 110 82 51 54.4 34 First National Bank of Pulaski Pulaski 872,354 78 69 34 58 36 55.0 35 Bank of Crockett Bells 177,500 118 112 6 23 19 55.6 35 First Vision Bank of Tennessee Tullahoma 270,912 75 28 71 70 34 55.6 37 BankTennessee Collierville 311,380 32 84 75 32 56 55.8 38 Sumner Bank & Trust Gallatin 181,631 62 120 48 5 47 56.4 39 McKenzie Banking Company McKenzie 129,547 2 7 134 133 8 56.8 40 Mountain Commerce Bank Knoxville 909,332 104 125 4 42 10 57.0 41 Evolve Bank & Trust Memphis 518,755 34 2 138 62 50 57.2 42 SmartBank Pigeon Forge 2,392,821 45 116 33 18 75 57.4 43 Volunteer State Bank Portland 729,523 6 4 133 31 114 57.6 44 Heritage Bank & Trust Columbia 181,469 72 47 101 24 46 58.0 45 Patriot Bank Millington 361,829 127 12 74 57 21 58.2 45 First Advantage Bank Clarksville 732,749 47 78 63 49 54 58.2 47 Peoples Bank of East Tennessee Madisonville 228,228 8 33 117 91 43 58.4 48 First National Bank of Middle Tennessee McMinnville 520,101 114 11 102 10 57 58.8 48 First Horizon Bank Memphis 43,532,696 115 19 39 59 62 58.8 50 First Citizens National Bank Dyersburg 1,781,866 108 34 50 38 66 59.2
Source: S&P Global Market Intelligence 193 Rank The Banks Texas – 2019 Q3 Texas – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) AccessBank Texas Denton Access Bancorp, Inc. 10/22/2007 5 72 No 424,206 0.70 7.43 Affiliated Bank, National Association Arlington SBH Manager, LLC 1/1/1959 4 210 No 950,580 0.83 5.89 AimBank Littlefield AIM Bancshares, Inc. 9/19/1925 25 243 No 1,545,971 1.43 13.34 Allegiance Bank Houston Allegiance Bancshares, Inc. 10/15/2007 27 582 No 4,902,178 1.14 8.06 Alliance Bank Sulphur Springs Alliance Bancshares, Inc. 6/13/1927 15 227 Yes 972,034 0.77 7.74 Alliance Bank Central Texas Waco ABCT Holdings, Inc. 3/16/1939 5 58 No 318,454 0.61 7.81 Amarillo National Bank Amarillo Amarillo National Bancorp, Inc. 1/1/1892 33 840 Yes 5,389,648 1.40 12.30 American Bank of Commerce Wolfforth Americo Bancshares, Inc. 9/11/1962 14 169 No 971,035 1.09 11.87 American Bank, National Association Waco American National Bancshares, Inc. 1/1/1952 3 97 Yes 446,913 0.81 7.79 American Bank, National Association Dallas Bright Force Holding GP, LLC 4/30/1974 1 24 No 83,343 0.90 6.05 American Bank, National Association Corpus Christi American Bank Holding Corporation 8/24/1970 12 268 Yes 1,516,046 0.77 9.02 American First National Bank Houston AFNB Holdings, Inc. 5/18/1998 17 225 No 1,870,513 1.49 13.18 American Momentum Bank College Station Adam Bank Group, Inc. 10/25/2006 22 276 No 1,658,912 1.58 10.35 American National Bank & Trust Wichita Falls AmeriBancShares, Inc. 11/29/1976 11 198 No 819,424 1.22 11.31 American National Bank of Mount Pleasant Mount Pleasant Northeast Texas Bancshares, Inc. 8/29/1979 1 27 Yes 103,733 1.00 7.73 American National Bank of Texas Terrell A.N.B. Holding Company, Ltd. 11/22/1875 27 510 No 3,251,591 1.28 13.70 American State Bank Arp Steele Bancshares, Inc. 8/1/1911 13 117 Yes 440,176 0.56 5.49 Amistad Bank Del Rio Eden Financial Corporation 4/25/1986 1 11 No 28,818 1.51 9.76 Anahuac National Bank Anahuac Anahuac Bancshares, Inc. 12/20/1976 5 33 Yes 179,204 0.86 8.15 Angelina Savings Bank, SSB Lufkin 1/1/1978 1 24 No 66,238 1.04 11.50 Arrowhead Bank Llano Arrowhead Company 3/16/1923 5 42 Yes 192,942 1.21 11.78 Atascosa Bank Pleasanton 9/7/1982 1 12 No 89,101 1.13 12.05 Austin Bank, Texas National Association Jacksonville Austin BanCorp, Inc. 10/1/1900 34 481 No 1,842,784 1.68 12.02 Austin Capital Bank SSB Austin 1/9/2006 1 149 No 127,644 0.90 7.63 Austin County State Bank Bellville Austin County Bancshares, Inc. 6/26/2007 3 41 Yes 184,747 0.94 9.46 Bandera Bank Bandera Bandera Bancshares, Inc. 4/25/1986 1 14 Yes 70,411 1.32 12.61 Bank and Trust of Bryan/College Station Bryan TB&T Bancshares, Inc. 5/23/2006 5 83 No 629,797 1.78 16.35 Bank and Trust, SSB Del Rio Westex Bancorp, Inc. 1/1/1910 7 121 Yes 426,811 0.77 8.08 Bank of Brenham, National Association Brenham Industry Bancshares, Inc. 8/7/2001 1 26 No 455,221 0.95 7.63 Bank of DeSoto, National Association Desoto D Bancorp, Inc. 1/27/1986 1 40 Yes 180,859 1.55 13.24 Bank of Houston, National Association Houston BOH Holdings, Inc. 2/10/1893 2 26 No 119,991 (0.45) (1.68) Bank of San Antonio San Antonio Southwest Bancshares, Inc. 6/22/2007 5 145 No 813,553 1.39 13.85 Bank of San Jacinto County Coldspring Banc of San Jacinto County Bancshares, Inc. 11/9/1963 1 15 Yes 40,544 0.66 4.70 Bank of South Texas Pharr 7/8/1986 6 50 No 138,027 1.35 11.20 Bank of Texas Midland Tall City Bancshares, Inc. 8/4/1962 3 24 Yes 379,987 2.03 16.25 Bank of the West Grapevine Greater Southwest Bancshares, Inc. 4/1/1986 11 99 Yes 493,399 0.96 10.36 Beal Bank, SSB Plano Beal Financial Corporation 3/10/1988 19 209 No 1,593,604 (0.83) (3.05) Benchmark Bank Plano Quinlan Bancshares, Inc. 8/29/1964 8 142 Yes 713,189 1.38 14.51 Big Bend Banks, N.A. Marfa Big Bend Bancshares Corporation 5/3/1907 2 29 Yes 136,470 1.02 6.74 BOC Bank Amarillo 8/17/1984 2 9 Yes 61,980 1.61 9.78 Brady National Bank Brady Texas Country Bancshares, Inc. 7/10/1905 1 23 Yes 120,588 0.76 8.48 Brazos National Bank Richwood Gulfport Bancshares of Delaware, Inc. 8/2/1982 1 42 No 32,735 2.50 8.12 Brenham National Bank Brenham Brenham Bancshares, Inc. 4/22/1933 3 58 Yes 379,200 1.20 12.13 Bridge City State Bank Bridge City AmTex Bancshares, Inc. 1/1/1959 2 39 No 210,165 1.03 11.04 Broadway National Bank San Antonio Broadway Bancshares, Inc. 2/3/1941 39 616 Yes 3,820,100 0.97 8.88 BTH Bank, National Association Quitman BT Holdings, Inc. 1/1/1890 13 121 No 1,807,038 1.52 11.87 Buckholts State Bank Buckholts 4/20/1907 3 14 Yes 79,135 1.60 9.37 Burton State Bank Burton Burton Bancshares, Inc. 5/18/1906 1 9 Yes 68,901 1.09 9.05 Business Bank of Texas, N.A. Austin 8/6/2007 1 13 No 99,948 1.04 8.46 Capital Bank Houston Capital Bancorp, Inc. 4/10/1965 8 91 No 468,379 1.18 13.00
Source: S&P Global Market Intelligence 195 Texas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Capital Bank of Texas Carrizo Springs 5/9/2003 2 16 No 87,033 1.14 8.53 Captex Bank, National Association Trenton Captex Bancshares, Inc. 1/1/1901 6 53 No 185,629 (1.05) (7.18) Carmine State Bank Carmine 9/3/1907 1 11 No 82,897 0.86 6.85 Castroville State Bank Castroville 4/2/1959 2 29 No 174,926 1.07 11.42 Cendera Bank, National Association Bells Cendera Financial Holdings, Inc. 12/24/1904 3 20 Yes 105,641 0.89 6.97 Centennial Bank Lubbock Commerce BancShares, Inc. 6/7/1934 14 164 Yes 782,612 0.87 8.83 Central Bank Houston Central Bancshares, Inc. 5/31/1956 4 145 Yes 748,533 0.83 8.78 Central National Bank Waco CentraBanc Corporation 1/10/1977 4 96 Yes 928,934 1.54 16.97 Chappell Hill Bank Chappell Hill 9/2/1907 1 8 No 33,352 1.26 13.62 Charis Bank Justin Charis Holdings, Inc. 1/24/1907 2 23 No 93,550 (0.47) (1.81) Charter Bank Corpus Christi Charter Bancshares, Inc. 12/15/1962 4 54 Yes 299,400 2.57 24.32 Chasewood Bank Houston 2/14/1983 2 26 No 88,869 0.35 3.90 Ciera Bank Graham First Graham Bancorp, Inc. 9/19/1890 8 115 Yes 632,976 1.13 9.03 Citizens 1st Bank Tyler 4/6/1920 4 63 Yes 704,802 1.25 6.03 Citizens Bank Kilgore East Texas Financial Corporation 7/24/1949 12 107 No 418,535 0.86 6.62 Citizens Bank Amarillo Triple J Financial, Inc. 2/4/1904 4 23 Yes 170,333 1.82 17.12 Citizens Bank, National Association Abilene Big Country Bancshares, Inc. 1/1/1923 2 22 Yes 106,883 1.52 11.42 Citizens National Bank Cameron Central Texas Financial Corp. 7/6/1900 11 85 No 414,287 1.04 9.15 Citizens National Bank Crockett Citizens Bancorp, Inc. 9/7/1982 1 17 Yes 88,880 0.97 8.51 Citizens National Bank at Brownwood Brownwood Brownwood Bancshares, Inc. 9/28/1934 2 48 Yes 215,474 2.21 17.50 Citizens National Bank of Crosbyton Crosbyton Citizens Bancshares, Inc. 1/16/1907 1 9 Yes 49,023 1.27 7.60 Citizens National Bank of Hillsboro Hillsboro Hillsboro Bancshares, Inc. 4/1/1893 2 28 Yes 165,007 1.01 7.34 Citizens National Bank of Texas Waxahachie First Citizens Bancshares, Inc. 7/1/1868 14 179 Yes 1,162,044 1.83 17.07 Citizens State Bank Buffalo Industry Bancshares, Inc. 1/1/1925 10 100 No 978,882 0.94 7.91 Citizens State Bank Somerville C.S.B. Bancshares, Inc. 6/1/1925 6 121 No 642,233 1.61 14.99 Citizens State Bank Miles CSB Financial Corporation, Inc. 8/2/1937 2 20 Yes 155,224 1.79 18.62 Citizens State Bank Ganado Ganado Bancshares, Inc. 1/1/1908 2 14 No 55,605 0.01 0.20 Citizens State Bank Anton Anton Bancshares, Inc. 6/7/1947 1 8 No 32,059 0.58 5.93 Citizens State Bank Sealy 5/20/1907 1 35 No 307,307 1.47 14.53 Citizens State Bank Waco Ram Security Holdings GP, Inc. 7/30/1919 8 46 No 142,959 0.72 7.80 Citizens State Bank Roma 5/15/1978 3 32 No 87,142 0.77 8.17 Citizens State Bank Tyler Kidd Partners, Ltd. 11/13/1967 7 74 No 347,257 1.55 12.59 Citizens State Bank Corrigan Citizens State Financial Corporation 4/25/1919 2 31 Yes 131,950 1.53 13.10 Citizens State Bank of Luling Luling Spector Holdings Limited Partnership 11/12/1913 2 20 No 70,477 0.94 6.11 City Bank Lubbock South Plains Financial, Inc. 8/2/1941 22 608 No 2,793,705 1.12 11.14 City National Bank Corsicana City Bancshares, Inc. 2/28/1983 1 15 Yes 50,468 0.58 5.19 City National Bank of Colorado City Colorado City City National Bancshares, Inc. 4/4/1900 1 31 Yes 135,147 0.82 8.93 City National Bank of San Saba San Saba CNB National Financial Corporation 3/1/1883 1 11 Yes 60,004 0.53 3.68 City National Bank of Sulphur Springs Sulphur Springs Sulphur Springs Bancshares, Inc. 1/1/1889 13 215 Yes 774,938 1.49 12.71 City National Bank of Taylor Taylor CNB Financial Corporation, Inc. 1/2/1900 2 41 Yes 199,904 1.13 10.40 Classic Bank, National Association Cameron Cameron Financial Corporation 8/22/1889 6 84 Yes 389,833 0.68 7.30 Coleman County State Bank Coleman Coleman Bancshares, Inc. 1/1/1915 4 36 Yes 121,930 1.61 16.23 Colonial Savings, F.A. Fort Worth First Western Mortgage Corporation 1/1/1962 9 596 Yes 1,121,689 0.11 0.49 Columbus State Bank Columbus Central Texas Bankshare Holdings, Inc. 8/19/1919 2 13 No 104,976 0.84 5.97 Comerica Bank Dallas Comerica Incorporated 8/17/1849 436 6,976 No 72,895,000 1.75 16.59 Commerce Bank Laredo International Bancshares Corporation 3/31/1982 5 56 No 516,021 1.73 10.40 Commerce Bank Texas Stockdale Commerce Financial Corporation 2/1/1932 2 9 No 55,204 0.76 4.13 Commercial Bank Mason Commercial Company, Inc. 1/1/1901 1 9 No 54,956 1.31 14.89 Commercial Bank of Texas, N.A. Nacogdoches Nacogdoches Commercial Bancshares, Inc. 10/14/1901 20 203 No 786,709 1.19 11.82 Commercial National Bank of Brady Brady Commercial National Corporation 1/1/1894 2 32 Yes 147,924 1.28 10.82
Source: S&P Global Market Intelligence 196 Texas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Commercial National Bank of Texarkana Texarkana Commercial Bancshares, Inc. 2/5/1964 6 71 Yes 213,684 1.30 15.64 Commercial State Bank Palmer Palmer Bancshares, Inc. 3/1/1930 3 22 Yes 82,428 0.71 8.72 Community Bank Longview East Texas Bancorp, Inc. 10/15/1984 6 37 Yes 220,632 1.87 17.12 Community Bank Bridgeport Community Bancshares, Inc. 6/6/2007 2 28 No 98,112 0.64 6.29 Community Bank & Trust, Waco, Texas Waco Community Company 5/14/1952 4 108 No 460,101 0.94 6.39 Community Bank of Snyder Snyder 3/13/1905 1 24 No 110,341 0.72 6.45 Community National Bank Midland Midland Bancshares, Inc. 1/3/1984 10 212 No 1,381,285 1.90 17.89 Community National Bank Hondo Medina Community Bancshares, Inc. 4/20/1981 4 42 Yes 212,547 0.99 8.65 Community National Bank & Trust of Texas Corsicana Community Bank Holdings of Texas, Inc. 5/2/1960 15 184 No 746,542 1.47 12.83 CommunityBank of Texas, N.A. Beaumont CBTX, Inc. 3/6/1926 35 504 No 3,432,117 1.61 11.64 Cowboy Bank of Texas Maypearl Maypearl Bancshares, Inc. 1/1/1930 1 17 Yes 87,081 1.71 16.46 Crockett National Bank San Antonio Crockett County National Bancshares, Inc. 6/20/1983 7 331 Yes 651,626 1.73 14.09 Crossroads Bank Yoakum First State Bancshares of Yoakum, Inc. 1/1/1931 3 44 Yes 210,774 1.43 12.52 Crowell State Bank Crowell Crowell Bancshares, Inc. 12/28/1931 1 10 Yes 37,284 1.54 14.54 Cypress Bank, SSB Pittsburg Cypress Bancshares, Inc. 1/1/1977 4 65 No 192,417 0.88 8.15 Dalhart Federal Savings & Loan Association, SSB Dalhart Dalhart Federal Mutual Holding Company 9/18/1934 2 32 No 110,721 0.28 2.37 Dallas Capital Bank, National Association Dallas Park Cities Financial Group, Inc. 6/26/1972 1 67 No 988,352 0.78 7.15 Dilley State Bank Dilley 2/2/1907 1 18 No 134,782 0.86 5.42 Dominion Bank Grapeland Dominion Bancshares, Inc. 8/1/1911 2 34 No 102,212 (2.79) (8.53) Donley County State Bank Clarendon Donley County Bancshares, Inc. 11/9/1906 1 10 Yes 38,984 0.50 2.67 Ennis State Bank Ennis Ennis Bancshares, Inc. 4/18/1933 4 57 Yes 250,062 1.40 14.27 Extraco Banks, National Association Temple Extraco Corporation 9/20/1933 17 331 Yes 1,550,522 0.92 8.81 Falcon International Bank Laredo Falcon Bancshares Incorporated 12/10/1986 18 360 No 1,260,172 1.70 13.59 Falls City National Bank Falls City 5/6/1907 3 27 No 407,014 2.22 19.93 Fannin Bank Bonham Fannin Bancorp, Inc. 11/1/1921 2 31 Yes 110,704 0.77 8.67 Farmers and Merchants Bank De Leon F & M Bancshares, Inc. 1/1/1905 5 34 Yes 91,971 0.54 5.87 Farmers State Bank Groesbeck Groesbeck Bancshares, Inc. 1/20/1913 6 40 Yes 132,536 1.06 10.87 Farmers State Bank Center Farmers Bancshares, Inc. 1/1/1904 7 81 Yes 333,030 0.32 2.41 Farmers State Bank of Newcastle Newcastle Newcastle Bancshares, Inc. 1/2/1909 1 9 No 48,048 1.42 14.44 Fayette Savings Bank, SSB La Grange Fayette Bancshares, Inc. 10/2/1978 3 29 Yes 203,500 1.06 12.23 Fayetteville Bank Fayetteville Industry Bancshares, Inc. 2/16/1917 3 33 No 545,542 1.05 9.96 Fidelity Bank of Texas Waco Fidelity Bancshares, Inc. 1/1/1973 2 27 No 85,732 0.97 5.57 First Bank Burkburnett First Burkburnett Bancshares, Inc. 1/1/1907 6 159 Yes 469,037 1.65 14.50 First Bank & Trust Lubbock Heartland Financial USA, Inc. 1/1/1934 9 172 No 1,158,320 1.10 5.22 First Bank & Trust Seymour Baylor Bancshares, Inc. 3/5/1890 4 26 No 127,397 1.10 7.71 First Bank and Trust of Childress Childress Childress Bancshares, Inc. 1/1/1909 3 17 Yes 115,689 0.48 5.94 First Bank and Trust of Memphis Memphis Falcon Bancorporation Inc. 3/1/1898 2 11 Yes 56,159 1.01 7.58 First Bank of Celeste Celeste Metroplex North Bancshares, Inc. 5/1/1900 1 12 Yes 54,381 0.77 9.59 First Bank of Muleshoe Muleshoe Muleshoe Bancshares, Inc. 8/1/1955 3 24 No 89,151 0.68 4.60 First Capital Bank Quanah Quanah Financial Corporation 6/9/1907 2 21 No 62,001 0.88 9.88 First Command Bank Fort Worth First Command Financial Services, Inc. 4/21/1997 1 83 Yes 786,637 1.66 20.59 First Commercial Bank, National Association Seguin First Commercial Financial Corp. 7/1/1983 7 85 Yes 352,708 0.95 9.66 First Community Bank San Benito First San Benito Bancshares Corporation 10/3/1979 9 122 No 477,068 1.43 16.53 First Community Bank Corpus Christi Coastal Bend Bancshares, Inc. 2/7/1983 12 155 Yes 421,708 1.01 8.69 First Federal Bank Littlefield, Texas Littlefield 6/1/1946 1 17 No 50,307 0.79 4.12 First Federal Community Bank, SSB Paris 5/1/1922 4 85 No 447,699 0.79 7.09 First Financial Bank, National Association Abilene First Financial Bankshares, Inc. 1/1/1890 78 1,213 No 8,081,774 2.00 15.48 First Liberty National Bank Liberty First Liberty National Bancshares, Inc. 6/13/1913 4 75 Yes 323,553 1.13 9.03 First National Bank Spearman Spearman Bancshares, Inc. 4/24/1985 3 46 Yes 225,731 1.39 10.29 First National Bank Wichita Falls Wichita Falls Bancshares, Inc. 1/29/1986 5 99 Yes 529,832 1.05 10.40
Source: S&P Global Market Intelligence 197 Texas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First National Bank Rotan Rotan Bancshares, Inc. 1/1/1907 1 16 Yes 72,823 0.66 6.34 First National Bank Baird Baird First Baird Bancshares, Inc. 1/12/1885 10 122 No 401,882 0.49 5.04 First National Bank in Cooper Cooper Cooper Lake Financial Corporation 1/15/1891 1 10 No 44,787 1.12 7.97 First National Bank in Falfurrias Falfurrias 1/1/1920 1 19 Yes 76,413 0.56 5.59 First National Bank in Port Lavaca Port Lavaca Bauer Management, Inc. 11/13/1957 4 48 No 330,647 1.08 10.98 First National Bank of Albany Albany Albany Bancshares, Inc. 1/1/1883 7 77 Yes 603,524 1.64 14.51 First National Bank of Alvin Alvin Coastal Bancshares, Inc. 8/1/1960 2 19 Yes 140,382 1.04 8.85 First National Bank of Anderson Anderson First Anderson Bancshares, Inc. 6/27/1904 2 47 No 181,387 0.92 8.32 First National Bank of Anson Anson Anson Bancshares, Inc. 1/11/1902 1 14 Yes 61,047 1.67 18.53 First National Bank of Aspermont Aspermont Aspermont Bankshares, Inc. 4/23/1901 1 9 Yes 60,369 1.09 6.86 First National Bank of Ballinger Ballinger Texas Country Bancshares, Inc. 6/29/1886 3 42 Yes 182,579 1.20 11.64 First National Bank of Bastrop Bastrop Bastrop Bancshares, Inc. 8/15/1889 7 126 Yes 608,036 1.34 12.94 First National Bank of Bellville Bellville Industry Bancshares, Inc. 7/1/1890 3 50 No 710,519 1.29 9.39 First National Bank of Bosque County Valley Mills Valley Mills Financial Corporation 1/1/1896 4 33 Yes 120,132 1.19 10.74 First National Bank of Burleson Burleson Citadel Bancorp, Inc. 4/20/1981 2 33 Yes 197,053 1.21 11.57 First National Bank of Central Texas Waco FCT Bancshares, Inc. 8/12/1901 5 94 Yes 856,007 1.73 17.78 First National Bank of Dublin Dublin Dublin Bancshares, Inc. 5/7/1985 3 33 Yes 92,190 1.25 11.48 First National Bank of Eagle Lake Eagle Lake Eagle Lake Bancshares, Inc. 12/30/1904 3 25 Yes 125,174 0.86 7.97 First National Bank of Eldorado Eldorado First Eldorado Bancshares, Inc. 1/1/1907 1 15 Yes 58,932 1.99 12.06 First National Bank of Evant Evant 10/8/1912 3 27 Yes 99,564 1.39 15.80 First National Bank of Floydada Floydada Floyd County Bancshares, Inc. 1/1/1890 1 14 Yes 102,534 1.21 10.60 First National Bank of Fort Stockton Fort Stockton FNB Holding Company 10/1/1958 2 29 Yes 132,709 0.92 9.01 First National Bank of Giddings Giddings Giddings Bancshares, Inc. 9/1/1890 2 37 No 206,092 0.92 8.31 First National Bank of Gilmer Gilmer First Gilmer Bankshares, Inc. 4/13/1900 10 109 Yes 414,952 1.19 9.72 First National Bank of Granbury Granbury First Granbury Bancorporation 1/1/1887 8 154 No 621,571 1.22 10.84 First National Bank of Hebbronville Hebbronville Hebbronville Regional Bancshares, Inc. 1/1/1913 1 20 Yes 89,600 1.13 6.59 First National Bank of Hereford Hereford La Plata Bancshares, Inc. 12/6/1999 3 34 Yes 167,782 1.28 13.06 First National Bank of Hughes Springs Hughes Springs Chalybeate Springs Corporation 6/3/1903 17 106 Yes 263,967 1.66 12.95 First National Bank of Huntsville Huntsville First National Bancshares of Huntsville, Inc. 1/14/1890 6 101 No 465,614 1.13 8.95 First National Bank of Jasper Jasper East Texas Bancshares, Inc. 2/6/1960 3 51 No 243,616 0.97 7.64 First National Bank of Kemp Kemp FNBK Holdings, Inc. 8/3/1901 2 27 No 95,832 0.86 7.63 First National Bank of Lake Jackson Lake Jackson Austin Colony, Inc. 9/26/1963 2 27 Yes 255,139 0.83 9.58 First National Bank of Lipan Lipan 1/1/1907 1 6 No 21,416 0.29 3.29 First National Bank of Livingston Livingston FNB Company 3/17/1902 3 87 Yes 401,671 1.02 7.04 First National Bank of McGregor McGregor McGregor Bancshares, Inc. 1/1/1889 4 84 No 488,862 1.07 9.87 First National Bank of Mertzon Mertzon 1/1/1910 3 31 No 478,072 1.09 15.58 First National Bank of Moody Moody Reynolds, Teague, Thurman Financial Corp. 1/1/1893 1 10 Yes 48,181 0.72 3.52 First National Bank of Paducah Paducah First Paducah Bancshares of Texas, Inc. 1/1/1909 2 18 No 43,863 0.01 0.12 First National Bank of Quitaque Quitaque Quitaque National Corporation 8/20/1920 2 14 No 64,929 1.38 9.45 First National Bank of Shiner Shiner Industry Bancshares, Inc. 1/1/1891 5 61 No 806,999 1.17 10.41 First National Bank of Sonora Sonora First Sonora Bancshares, Inc. 8/15/1900 7 86 Yes 439,573 0.90 8.39 First National Bank of South Padre Island South Padre Island Laguna Madre Bancshares, Inc. 12/24/1983 2 15 Yes 56,480 0.74 6.08 First National Bank of Stanton Stanton 1/1/1906 2 22 No 219,232 1.59 16.45 First National Bank of Sterling City Sterling City Sterling City Bancshares, Inc. 8/2/1910 3 21 Yes 181,791 0.84 14.06 First National Bank of Tahoka Tahoka Tahoka First Bancorp, Inc. 1/1/1907 1 11 Yes 51,661 0.56 5.32 First National Bank of Tom Bean Tom Bean 9/22/1906 4 43 Yes 122,119 0.64 7.58 First National Bank of Trinity Trinity 9/11/1911 2 19 Yes 60,858 0.93 9.71 First National Bank of Weatherford Weatherford First Baird Bancshares, Inc. 5/15/1880 3 55 No 276,125 1.50 15.16 First National Bank of Winnsboro Winnsboro Etex Banco, Inc. 1/1/1893 3 30 No 136,406 1.47 7.64 First National Bank Texas Killeen First Community Bancshares, Inc. 2/27/1901 322 2,884 Yes 2,033,120 1.43 16.26
Source: S&P Global Market Intelligence 198 Texas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) First Security State Bank Cranfills Gap Bosque Bancshares, Inc. 7/19/1910 4 31 Yes 119,494 0.92 12.68 First State Bank Graham Woodson Bancshares, Inc. 5/26/1983 6 36 Yes 148,746 1.24 13.18 First State Bank Athens Athens, Tx, Bancshares, Inc. 5/1/1935 7 100 No 460,317 1.12 10.44 First State Bank Abernathy Turner Bancshares, Inc. 12/6/1909 2 14 Yes 45,914 1.01 9.74 First State Bank Spearman First State Bankshares, Inc. 1/1/1917 2 27 Yes 144,835 1.03 13.11 First State Bank Stratford Stratford Bancshares, Inc. 4/26/1948 3 42 Yes 250,188 1.28 11.05 First State Bank Gainesville Red River Bancorp, Inc. 8/16/1905 11 269 Yes 1,136,858 0.87 9.71 First State Bank Abilene BSA Bankshares, Inc. 6/3/1903 2 10 No 36,304 0.80 8.83 First State Bank Shallowater South Texas Bancshares, Inc. 10/8/1960 2 22 Yes 95,663 1.76 10.02 First State Bank Junction Kimble County Bancshares, Inc. 11/8/1947 1 11 Yes 49,671 1.01 10.74 First State Bank Rice Rice Bancshares, Inc. 2/27/1928 4 41 No 149,578 0.61 4.70 First State Bank Chico Chico Bancorp, Inc. 1/1/1896 4 42 Yes 185,032 0.46 4.14 First State Bank Clute FSB Bancshares, Inc. 10/16/1958 3 42 Yes 208,536 1.37 14.95 First State Bank Columbus Columbus Bancorp, Inc. 3/1/1913 1 17 Yes 148,144 0.41 3.00 First State Bank Louise Louise Bancshares, Inc. 5/7/1956 12 129 Yes 499,645 1.57 17.07 First State Bank and Trust Company Carthage Murphy-Payne Investments, Ltd. 2/27/1902 1 60 No 505,165 1.14 7.23 First State Bank of Bedias Bedias Bedias Financial Corporation 8/28/1907 2 20 Yes 160,560 1.55 9.83 First State Bank of Ben Wheeler, Texas Ben Wheeler 2/17/1911 4 37 Yes 151,537 1.19 8.77 First State Bank of Brownsboro Brownsboro Brownsboro Bancshares, Inc. 2/17/1917 3 24 Yes 102,188 0.74 7.40 First State Bank of Burnet Burnet 10/24/1908 3 46 Yes 246,165 0.89 6.98 First State Bank of Livingston Livingston East Texas Bancshares, Inc. 10/5/1910 5 93 No 335,517 1.06 6.67 First State Bank of Mobeetie Mobeetie 1/1/1906 2 12 No 76,678 1.32 10.67 First State Bank of Odem Odem Odem Bancshares, Inc. 11/12/1945 4 40 No 145,730 1.45 12.29 First State Bank of Paint Rock Paint Rock Paint Rock Bancshares, Inc. 4/1/1910 2 14 Yes 105,193 1.45 11.65 First State Bank of San Diego San Diego San Diego Bancshares, Inc. 8/9/1954 1 18 Yes 60,465 0.97 10.48 First State Bank of Texas Orange County Bancshares, Inc. 8/12/1914 3 39 Yes 169,839 0.43 3.07 First State Bank of Uvalde Uvalde Briscoe Ranch, Inc. 7/1/1907 8 127 No 1,784,798 1.24 14.34 First Texas Bank Georgetown First Texas Bancorp, Inc. 1/1/1898 8 102 No 651,903 1.26 14.60 First Texas Bank Killeen First Texas Bancorp, Inc. 1/1/1963 6 68 No 315,572 0.84 7.61 First Texas Bank Lampasas First Texas Bancorp, Inc. 10/2/1884 2 28 No 138,059 1.49 12.89 First United Bank Dimmitt Plains Bancorp, Inc. 3/7/1907 15 209 Yes 1,358,402 1.46 14.03 FirstBank Southwest Amarillo FirstPerryton Bancorp, Inc. 1/1/1907 9 196 Yes 1,008,841 1.06 11.33 FirstCapital Bank of Texas, N.A. Midland First Bancshares of Texas, Inc. 11/17/1998 19 279 No 1,691,056 1.46 13.93 First-Lockhart National Bank Lockhart Lockhart Bankshares, Inc. 4/15/1889 5 58 No 274,902 1.00 10.56 Fort Davis State Bank Fort Davis Fort Davis Bancshares, Inc. 10/16/1911 3 35 Yes 91,467 0.66 7.00 Fort Hood National Bank Fort Hood First Community Bancshares, Inc. 10/17/1966 8 67 Yes 297,604 0.81 9.17 Freedom Bank Freer AOB Ventures, Inc. 7/12/1958 2 17 No 46,689 0.51 3.14 Frontier Bank of Texas Elgin Frontier Community Bancshares, Inc. 6/11/2007 6 55 No 360,718 0.86 7.28 Frost Bank San Antonio Cullen/Frost Bankers, Inc. 2/20/1899 152 4,631 No 33,171,611 1.49 13.22 Gilmer National Bank Gilmer Gilmer National Bancshares, Inc. 5/1/1901 1 45 No 226,776 1.08 7.69 Golden Bank, National Association Houston 2/22/1985 8 129 No 991,869 1.61 12.19 Graham Savings and Loan, SSB Graham Graham Savings Financial Corp. 11/27/1934 3 31 Yes 138,538 0.65 5.56 Grandview Bank Grandview D2 Alliances, LLC 8/7/1890 3 35 No 229,193 1.70 17.90 Granger National Bank Granger Granger Bancshares, Inc. 3/8/1920 1 7 No 31,943 0.74 4.22 Greater State Bank McAllen Greater State Bancshares Corp. 1/1/1974 4 32 No 87,255 0.34 3.65 Guadalupe Bank Kerrville Relationship Financial Corporation 3/17/2008 3 32 No 168,773 1.43 16.17 Guaranty Bank & Trust, N.A. Mount Pleasant Guaranty Bancshares, Inc. 1/17/1913 32 476 No 2,325,537 1.19 10.60 Happy State Bank Happy Happy Bancshares, Inc. 1/1/1908 39 716 No 3,677,441 1.30 8.66 Haskell National Bank Haskell Haskell Bancshares, Inc. 11/25/1890 2 26 Yes 71,914 0.65 5.26 Henderson Federal Savings Bank Henderson 1/11/1929 1 22 No 105,744 0.99 4.60
Source: S&P Global Market Intelligence 199 Texas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Heritage Bank Pearland Heritage Bancorp, Inc. 9/16/1985 5 67 No 298,294 1.54 11.85 Herring Bank Amarillo Herring Bancorp, Inc. 1/1/1899 13 168 Yes 448,229 0.62 6.34 Hill Bank & Trust Co. Weimar Hill Bancshare Holdings, Inc. 1/1/1873 1 14 No 143,279 1.23 7.07 HomeBank Texas Seagoville MTA Bancshares Inc. 4/7/1952 3 40 Yes 205,277 1.62 15.15 HomeTown Bank, N.A. Galveston 6/23/1966 7 108 No 632,872 1.57 13.11 Hondo National Bank Hondo Texas Heritage Bancshares, Inc. 2/1/1936 5 63 Yes 270,387 1.06 10.35 Horizon Bank, SSB Austin Frontier Bancshares, Inc. 1/1/1905 6 170 No 1,178,155 1.93 23.21 Incommons Bank, N.A. Mexia Bi-Stone Bancshares, Inc. 2/1/1882 6 59 No 177,025 0.79 8.58 Independent Bank McKinney Independent Bank Group, Inc. 1/1/1913 95 1,421 No 14,954,237 1.63 9.78 Industry State Bank Industry Industry Bancshares, Inc. 6/1/1911 4 110 No 835,632 1.61 13.91 International Bank of Commerce Brownsville International Bancshares Corporation 10/9/1984 12 240 No 1,055,317 2.30 13.30 International Bank of Commerce Zapata International Bancshares Corporation 2/6/1984 10 135 No 397,497 1.13 6.47 International Bank of Commerce Laredo International Bancshares Corporation 9/2/1966 121 2,407 No 8,525,807 1.96 11.72 Interstate Bank, SSB Perryton ISB Holdings, Inc. 5/9/1958 2 36 Yes 202,222 1.29 12.68 Inwood National Bank Dallas Inwood Bancshares, Inc. 4/9/1964 14 221 Yes 2,959,466 1.46 13.37 Jacksboro National Bank Jacksboro Jacksboro National Bancshares, Inc. 7/24/1905 2 51 Yes 235,855 0.71 6.00 Jefferson Bank San Antonio Jefferson Bancshares, Inc. 8/12/1946 13 347 Yes 1,863,311 0.96 11.51 Johnson City Bank Johnson City Pedernales Investment Corporation 8/1/1944 1 25 Yes 122,453 0.99 8.18 Junction National Bank Junction 4/1/1935 1 12 Yes 69,004 1.10 11.93 Karnes County National Bank of Karnes City Karnes City 2/4/1901 2 33 No 407,731 1.23 13.38 Keystone Bank, National Association Austin Keystone Bancshares, Inc. 4/1/1997 3 34 No 178,723 (0.37) (1.49) Kleberg Bank, N.A. Kingsville Kleberg and Company Bankers, Inc. 1/1/1905 5 143 Yes 563,528 0.82 6.80 Kress National Bank Kress Kress National Bancshares, Inc. 9/17/1963 1 7 Yes 38,703 0.75 6.63 Lakeside National Bank Rockwall PFBS Holdings, Inc. 7/12/1974 1 11 No 83,882 0.54 4.24 Lamar National Bank Paris Lamar Bancorporation, Inc. 1/1/1981 3 50 Yes 174,033 0.80 7.64 Lamesa National Bank Lamesa 7/2/1906 1 28 Yes 347,424 0.75 7.64 LegacyTexas Bank Plano LegacyTexas Financial Group, Inc. 1/1/1952 43 858 No 10,469,272 1.81 14.09 Legend Bank, N.A. Bowie Legend Bancorp, Inc. 3/19/1890 15 165 Yes 765,411 1.22 11.22 Liberty Capital Bank Addison Liberty Capital Bancshares, Inc. 9/15/2008 1 26 Yes 267,555 1.40 14.66 Liberty National Bank in Paris Paris Paris Bancshares, Inc. 4/20/1931 2 50 No 295,295 1.28 7.70 Llano National Bank Llano Hill Country Bancshares, Inc. 1/17/1983 4 46 No 185,835 1.47 11.90 Lone Star Bank Houston 8/23/2006 4 24 No 135,230 1.07 8.69 Lone Star Capital Bank, National Association San Antonio 3/9/1999 7 68 No 256,229 0.49 3.52 Lone Star National Bank McAllen Lone Star National Bancshares--Texas, Inc. 1/23/1983 34 624 No 2,172,196 1.17 9.63 Lone Star State Bank of West Texas Lubbock Lone Star State Bancshares, Inc. 8/9/1919 5 91 Yes 968,164 1.41 11.38 Lovelady State Bank Lovelady 11/4/1974 1 12 Yes 44,099 1.02 9.34 Lytle State Bank of Lytle, Texas Lytle 9/17/1910 1 22 No 86,392 1.13 6.90 MapleMark Bank Dallas Maple Financial Holdings, Inc. 1/1/1909 2 51 No 511,469 (1.34) (6.88) Marion State Bank Marion Marion Bancshares, Inc. 10/26/1906 1 17 Yes 111,622 1.09 8.17 Mason Bank Mason Mason Bancshares, Inc. 1/15/1904 1 18 Yes 119,394 1.15 6.64 MCBank Goldthwaite Goldthwaite Bancshares, Inc. 6/4/1888 5 82 Yes 316,163 0.82 8.24 Menard Bank Menard Menard Bancshares, Inc. 1/1/1919 1 10 Yes 41,805 0.65 4.98 Mineola Community Bank, SSB Mineola Mineola Community Mutual Holding Company 4/1/1934 6 61 No 263,506 0.36 2.94 MINT National Bank Kingwood MINT Holdings, Inc. 1/5/2009 1 28 No 249,813 1.65 13.81 Moody National Bank Galveston Moody Bancshares, Inc. 1/1/1907 16 194 No 1,194,766 1.51 10.21 Morris County National Bank Naples Morris County Bankshares, Inc. 8/15/1893 2 30 Yes 89,665 0.11 1.22 Muenster State Bank Muenster 6/23/1923 2 18 Yes 165,033 1.19 7.92 National Bank & Trust La Grange First La Grange Bancshares, Inc. 7/9/1888 2 26 Yes 211,045 0.61 6.13 National Bank of Andrews Andrews Andrews Bancshares, Inc. 11/12/1945 3 56 Yes 224,469 2.25 21.41 National Bank of Texas at Fort Worth Fort Worth Horizon Bankshares, Inc. 11/29/1973 4 65 Yes 285,274 0.47 4.25
Source: S&P Global Market Intelligence 200 Texas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) National United Gatesville National United Bancshares, Inc. 8/21/1889 6 160 No 644,643 0.90 8.49 NewFirst National Bank El Campo NewFirst Financial Group, Inc. 1/22/1902 9 100 Yes 727,596 2.09 17.89 NexBank SSB Dallas SLHC Trust 1/1/1922 3 87 No 10,157,505 0.74 9.01 Normangee State Bank Normangee Normangee Bancshares, Inc. 10/10/1912 1 19 No 121,254 0.59 3.64 North Dallas Bank & Trust Co. Dallas 3/20/1961 6 153 No 1,280,421 0.73 6.17 Oakwood Bank Dallas Oakwood Bancshares, Inc. 1/2/1900 3 43 No 373,421 0.20 1.65 One World Bank Dallas One World Holding, Inc. 4/4/2005 1 23 No 116,494 0.70 5.33 Ozona National Bank Ozona ONB Bancshares, Inc. 6/1/1905 7 68 Yes 273,229 1.44 13.19 Panola National Bank Carthage Panola National Bancshares, Inc. 10/6/1983 2 24 Yes 115,216 0.54 5.15 Pavillion Bank Richardson AmTex Bancshares, Inc. 1/17/1983 1 19 No 75,578 1.19 9.01 Pearland State Bank Pearland Coastal Bancshares, Inc. 1/6/1960 1 27 Yes 188,638 1.19 10.76 Pecos County State Bank Fort Stockton Pecos County Bancshares, Inc. 5/11/1928 5 61 Yes 261,986 1.13 13.75 Pegasus Bank Dallas BancFirst Corporation 1/24/2007 3 45 No 726,274 0.38 5.23 Peoples Bank Lubbock Peoples Bancorp, Inc. 2/13/1968 8 105 No 542,922 1.38 12.89 Peoples Bank Paris Texas Peoples National Bancshares, Inc. 12/16/1988 3 41 Yes 148,264 0.83 10.50 Peoples State Bank Shepherd AmTex Bancshares, Inc. 9/21/1921 3 31 No 119,775 0.78 9.14 Peoples State Bank Rocksprings 5/1/1943 1 7 Yes 80,857 1.27 10.34 Peoples State Bank of Hallettsville Hallettsville 1/18/1929 1 28 No 276,777 0.90 7.75 Perryton National Bank Perryton Perryton Bancshares, Inc. 1/1/1919 1 21 Yes 174,052 1.23 9.38 Pilgrim Bank Pittsburg Pilgrim Bancorporation 4/11/1911 15 109 Yes 555,679 0.79 6.29 Pinnacle Bank Fort Worth Pinnacle Bancorp, Inc. 8/10/1970 22 232 No 1,483,744 1.13 8.22 Pioneer Bank, SSB Austin JLL Associates G.P. FCH LLC 5/14/2007 20 212 No 1,687,303 0.60 6.78 Plains State Bank Humble Plains Acquisition Corporation 4/6/1957 4 65 No 561,838 1.42 13.30 PlainsCapital Bank Dallas Hilltop Holdings Inc. 9/15/1955 64 3,673 No 11,095,771 1.77 12.03 Pointbank Pilot Point Pilot Point Bancorp, Inc. 7/1/1884 9 117 Yes 543,306 0.91 8.56 POINTWEST Bank West West Bancshares, Inc. 1/1/1893 4 31 Yes 98,343 0.86 9.19 Powell State Bank Powell 1/1/1910 1 11 No 30,510 0.45 5.60 Prosperity Bank El Campo Prosperity Bancshares, Inc. 9/13/1949 264 3,044 No 22,083,149 1.51 8.34 Providence Bank of Texas Southlake Providence Bancshares Corporation 8/27/2007 2 23 No 152,542 0.84 6.41 R Bank Round Rock R Corp Financial 6/22/2009 8 115 No 546,956 0.78 7.50 Rio Bank McAllen Rio Financial Services, Inc. 2/11/1985 14 183 No 554,406 1.07 10.35 Robert Lee State Bank Robert Lee Robert Lee Bancshares, Inc. 10/23/1936 1 14 No 44,883 0.63 4.54 Roscoe State Bank Roscoe Roscoe Financial Corporation 12/6/1906 3 40 Yes 166,464 1.05 9.75 Round Top State Bank Round Top Round Top Bancshares, Inc. 12/19/1912 6 74 No 596,323 1.30 11.67 Sage Capital Bank Gonzales ANB Bancshares Inc. 7/12/1984 8 88 No 406,526 1.08 9.73 Sanger Bank Sanger Sanger Bancshares, Inc. 9/8/1987 2 27 No 141,406 1.16 7.76 Santa Anna National Bank Santa Anna 12/1/1933 1 12 No 54,252 1.74 14.99 Schertz Bank & Trust Schertz Schertz Bancshares Corporation 6/1/1913 5 63 No 406,983 1.49 12.02 Security Bank Midland Security Star Bancshares, Inc. 2/10/1928 12 176 Yes 921,688 1.75 12.78 Security Bank of Crawford Crawford Anchor Bancshares, Inc. 3/30/1940 1 11 No 77,294 0.46 5.11 Security State Bank Winters 1/1/1917 2 20 Yes 61,667 1.07 12.09 Security State Bank Farwell 1/19/1925 1 15 Yes 151,454 1.64 12.37 Security State Bank Pearsall 1/1/1925 7 82 No 631,651 1.27 10.20 Security State Bank & Trust Fredericksburg Security Holding Company 4/12/1941 20 278 Yes 1,090,241 1.41 10.68 Shelby Savings Bank, SSB Center Shelby Bancshares, Inc. 7/27/1982 5 85 Yes 302,135 1.12 8.50 Southside Bank Tyler Southside Bancshares, Inc. 10/3/1960 63 842 No 6,537,453 1.34 9.28 SouthStar Bank, S.S.B. Moulton Southern Bancshares, Inc. 11/5/1920 15 155 No 860,573 1.08 9.05 SouthTrust Bank, N.A. George West Live Oak Bancshares Corporation 1/1/1934 7 98 Yes 401,187 0.61 5.52 Southwest Bank Odessa Odessa SouthWest Bancshares, Inc. 12/15/1947 6 107 Yes 448,433 1.25 14.56 Southwestern National Bank Houston SWNB Bancorp, Inc. 11/3/1997 7 103 No 516,878 1.24 9.50
Source: S&P Global Market Intelligence 201 Texas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Spectra Bank Fort Worth Riverbend Financial Corporation 6/30/1986 2 36 Yes 83,019 (2.29) (22.91) Spirit of Texas Bank, SSB Conroe Spirit of Texas Bancshares, Inc. 9/7/1976 27 339 No 1,959,519 1.27 10.56 Spring Hill State Bank Longview Spring Hill Holdings Corporation 9/19/1977 3 45 No 204,514 1.11 10.00 Spur Security Bank Spur Espuela Bank Shares, Inc. 12/23/1933 1 8 Yes 44,971 0.55 5.03 State Bank of De Kalb De Kalb 2/19/1937 7 74 Yes 260,023 1.35 12.74 State Bank of Texas Dallas SBT Bancshares, Inc. 10/19/1987 6 89 Yes 823,039 3.59 22.21 State National Bank of Big Spring Big Spring SNB Financial, Inc. 3/1/1909 3 33 Yes 399,991 1.23 11.84 State National Bank of Groom Groom Groom Bancshares, Inc. 1/1/1904 2 10 Yes 37,064 0.36 3.38 Stockmens National Bank in Cotulla Cotulla 1/1/1904 1 15 Yes 95,754 1.04 9.28 Sundown State Bank Sundown Sundown Bankshares, Inc. 5/21/1963 5 32 No 159,326 1.48 13.79 T Bank, National Association Dallas Tectonic Financial, Inc. 11/2/2004 1 81 No 351,008 1.47 10.62 TBK Bank, SSB Dallas Triumph Bancorp, Inc. 7/15/1981 61 1,100 No 5,014,616 1.47 9.92 Tejas Bank Monahans Sandhills Bancshares, Inc. 5/9/1960 1 16 Yes 183,590 2.10 18.89 Texan Bank, National Association Houston Friendswood Capital Corporation 12/10/2007 4 59 No 329,200 0.28 2.15 Texana Bank, National Association Linden Linden Bancshares, Inc. 1/20/1914 5 69 No 216,016 0.46 5.56 Texas Advantage Community Bank, National Association Alvin 12/18/2006 2 21 No 123,388 0.78 7.96 Texas Bank Henderson Henderson Texas Bancshares, Inc. 5/5/1973 9 143 Yes 489,137 0.68 6.65 Texas Bank and Trust Company Longview Longview Financial Corporation 3/4/1958 21 476 No 2,635,522 1.59 13.43 Texas Bank Financial Weatherford Texas Banc Financial Corporation 6/12/1987 3 111 Yes 420,725 1.82 19.36 Texas Brand Bank Dallas Texas Brand Bancshares, Inc. 3/4/2005 3 36 No 210,526 0.92 7.07 Texas Capital Bank, National Association Dallas Texas Capital Bancshares, Inc. 10/3/1997 12 1,697 No 33,506,554 1.15 12.72 Texas Champion Bank Corpus Christi Mesquite Financial Services, Inc. 8/12/1912 11 98 No 318,380 0.48 3.94 Texas Citizens Bank, National Association Pasadena Texas Citizens Bancorp, Inc. 5/3/2006 6 115 No 520,939 0.13 1.46 Texas Community Bank Laredo Vision Bancshares, Inc. 6/20/1983 9 214 No 1,433,493 1.47 13.87 Texas Exchange Bank, SSB Crowley 1/5/1970 2 22 Yes 1,079,006 2.03 15.76 Texas Financial Bank Eden Eden Financial Corporation 8/1/1986 3 24 No 102,108 1.32 13.25 Texas First Bank Texas City Texas Independent Bancshares, Inc. 4/23/1982 22 204 Yes 1,096,591 1.33 12.49 Texas First State Bank Riesel Texas First Bancshares, Inc. 7/26/1906 6 70 No 398,238 0.32 3.74 Texas Gulf Bank, National Association Houston Texas Gulf Bancshares, Inc. 7/11/1913 9 110 Yes 694,121 0.95 8.81 Texas Heritage Bank Boerne Southwestern Bancorp, Inc. 11/1/1931 3 36 Yes 146,481 1.07 11.63 Texas Heritage National Bank Daingerfield Daingerfield Holding Company 1/1/1889 4 33 Yes 143,099 0.83 7.40 Texas Hill Country Bank Bandera Texas Hill Country Bancshares, Inc. 4/1/2009 3 33 No 153,347 0.88 9.11 Texas National Bank Mercedes MNB Ventures, Inc. 11/26/1920 6 95 No 295,120 1.24 13.45 Texas National Bank Sweetwater Mesa Financial Corporation 5/8/1995 2 29 Yes 142,789 0.59 6.01 Texas National Bank of Jacksonville Jacksonville Texas National Bancorporation 3/19/1985 7 96 No 559,014 1.18 11.81 Texas Regional Bank Harlingen Texas State Bankshares, Inc. 3/5/1987 19 255 No 987,184 0.89 8.07 Texas Republic Bank, National Association Frisco TXRB Holdings, Inc. 5/21/1891 3 52 No 297,575 1.68 14.82 Texas Security Bank Dallas Texas Security Bankshares, Inc. 5/5/2008 3 54 No 488,606 1.20 9.67 Texas State Bank San Angelo Texas Bancorp, Inc. 2/16/1963 4 67 Yes 274,197 1.25 10.54 TexasBank Brownwood 3/7/1966 10 114 Yes 497,431 1.91 14.17 TexStar National Bank Universal City TexStar Bancshares, Inc. 1/20/2004 6 38 Yes 282,090 1.03 9.05 Third Coast Bank, SSB Humble Third Coast Bancshares, Inc. 3/1/2008 7 150 No 933,854 0.58 6.37 TIB The Independent BankersBank, National Association Farmers Branch Independent Bankers Financial Corporation 1/21/1982 6 287 No 2,633,523 0.94 8.61 Titan Bank, N.A. Mineral Wells BMC Bancshares, Inc. 1/1/1907 2 25 Yes 142,287 1.46 14.73 Tolleson Private Bank Dallas Tolleson Wealth Management, Inc. 2/10/2003 1 41 Yes 541,674 1.73 19.01 TransPecos Banks, SSB Pecos TransPecos Financial Corp. 3/31/1924 4 50 Yes 242,591 0.34 3.80 Trinity Bank, N.A. Fort Worth 5/28/2003 1 23 No 294,995 1.54 11.78 TrustTexas Bank, SSB Cuero TrustTexas Mutual Holding Company 1/1/1921 6 83 No 342,982 0.73 6.31 UBank Huntington Huntington Bancshares, Inc. 1/23/1961 5 75 No 240,149 0.90 7.85 United Bank of El Paso del Norte El Paso Southwest United Bancshares, Inc. 5/1/2001 4 48 No 254,684 1.29 11.71
Source: S&P Global Market Intelligence 202 Texas – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) United Texas Bank Dallas UTB Financial Holding Company 4/7/1986 2 36 No 645,537 0.85 8.36 Unity National Bank of Houston Houston 8/2/1985 3 31 No 97,094 (0.81) (8.72) USAA Federal Savings Bank San Antonio United Services Automobile Association 12/30/1983 1 11,139 No 88,536,622 1.20 12.02 ValueBank Texas Corpus Christi First International Bancshares, Inc. 4/27/1967 8 98 No 243,667 1.98 19.11 Vantage Bank Texas San Antonio VBT Financial Corporation 11/6/1923 27 457 No 1,995,378 1.92 14.92 VeraBank, National Association Henderson VeraBank, Inc. 3/26/1930 37 476 No 2,398,767 1.02 10.17 Veritex Community Bank Dallas Veritex Holdings, Inc. 1/23/2004 41 663 No 7,958,983 1.19 8.29 Vista Bank Dallas Vista Bancshares, Inc. 1/25/1912 16 149 No 863,597 0.00 0.03 Waggoner National Bank of Vernon Vernon Waggoner National Bancshares, Inc. 7/3/1899 2 62 Yes 286,725 2.15 16.16 Wallis Bank Wallis Wallis Bancshares, Inc. 1/10/1906 12 160 Yes 779,720 2.07 17.32 Wellington State Bank Wellington WSB Bancshares, Inc. 1/1/1906 10 109 Yes 386,020 0.74 6.11 West Texas National Bank Midland First-West Texas Bancshares, Inc. 1/1/1904 11 173 Yes 1,306,928 1.68 16.21 West Texas State Bank Odessa 3/3/1937 8 94 Yes 431,288 1.30 10.85 West Texas State Bank Snyder WTSB Bancorp, Inc. 1/14/1950 2 26 Yes 133,121 1.01 8.19 Western Bank Lubbock Circle I Bank Group, Inc. 8/16/1909 8 70 Yes 347,786 0.91 10.51 WestStar Bank El Paso WestStar Bank Holding Company, Inc. 5/1/1990 14 319 Yes 1,863,705 1.96 15.30 Woodforest National Bank The Woodlands Woodforest Financial Group, Inc. 9/5/1980 772 5,003 Yes 6,307,633 1.61 17.40 Worthington National Bank Arlington 11/21/2002 4 53 No 293,093 0.98 10.01 Yoakum National Bank Yoakum Yoakum National BancShares, Inc. 1/1/1890 1 28 Yes 220,470 1.07 7.58 Zapata National Bank Zapata Zapata Bancshares, Inc. 11/16/1961 1 20 Yes 81,221 0.89 6.45 Zavala County Bank Crystal City 1/1/1909 2 22 No 69,231 1.10 8.11
Source: S&P Global Market Intelligence 203 Texas – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 USAA Federal Savings Bank San Antonio 11,139 1 76,007,363 76,007,363 88,536,622 6,824 7,948 88,536,622 2 Comerica Bank Dallas 6,976 436 58,367,000 133,869 167,190 8,367 10,449 72,895,000 3 Texas Capital Bank, National Association Dallas 1,697 12 27,498,797 2,291,566 2,792,213 16,204 19,745 33,506,554 4 Frost Bank San Antonio 4,631 152 27,242,382 179,226 218,234 5,883 7,163 33,171,611 5 Prosperity Bank El Campo 3,044 264 16,967,525 64,271 83,648 5,574 7,255 22,083,149 6 Independent Bank McKinney 1,421 95 11,737,806 123,556 157,413 8,260 10,524 14,954,237 7 PlainsCapital Bank Dallas 3,673 64 8,430,960 131,734 173,371 2,295 3,021 11,095,771 8 LegacyTexas Bank Plano 858 43 6,616,626 153,875 243,471 7,712 12,202 10,469,272 9 NexBank SSB Dallas 87 3 7,856,797 2,618,932 3,385,835 90,308 116,753 10,157,505 10 International Bank of Commerce Laredo 2,407 121 6,272,695 51,840 70,461 2,606 3,542 8,525,807 11 First Financial Bank, National Association Abilene 1,213 78 6,505,827 83,408 103,612 5,363 6,663 8,081,774 12 Veritex Community Bank Dallas 663 41 5,892,550 143,721 194,122 8,888 12,004 7,958,983 13 Southside Bank Tyler 842 63 4,512,995 71,635 103,769 5,360 7,764 6,537,453 14 Woodforest National Bank The Woodlands 5,003 772 5,617,417 7,276 8,171 1,123 1,261 6,307,633 15 Amarillo National Bank Amarillo 840 33 4,644,749 140,750 163,323 5,529 6,416 5,389,648 16 TBK Bank, SSB Dallas 1,100 61 3,702,684 60,700 82,207 3,366 4,559 5,014,616 17 Allegiance Bank Houston 582 27 3,959,108 146,634 181,562 6,803 8,423 4,902,178 18 Broadway National Bank San Antonio 616 39 3,271,047 83,873 97,951 5,310 6,201 3,820,100 19 Happy State Bank Happy 716 39 2,953,672 75,735 94,293 4,125 5,136 3,677,441 20 CommunityBank of Texas, N.A. Beaumont 504 35 2,788,925 79,684 98,060 5,534 6,810 3,432,117 21 American National Bank of Texas Terrell 510 27 2,871,826 106,364 120,429 5,631 6,376 3,251,591 22 Inwood National Bank Dallas 221 14 2,590,513 185,037 211,390 11,722 13,391 2,959,466 23 City Bank Lubbock 608 22 2,354,142 107,006 126,987 3,872 4,595 2,793,705 24 Texas Bank and Trust Company Longview 476 21 2,303,236 109,678 125,501 4,839 5,537 2,635,522 25 TIB The Independent BankersBank, National Association Farmers Branch 287 6 2,270,678 378,446 438,921 7,912 9,176 2,633,523 26 VeraBank, National Association Henderson 476 37 2,129,706 57,560 64,832 4,474 5,039 2,398,767 27 Guaranty Bank & Trust, N.A. Mount Pleasant 476 32 1,968,011 61,500 72,673 4,134 4,886 2,325,537 28 Lone Star National Bank McAllen 624 34 1,858,023 54,648 63,888 2,978 3,481 2,172,196 29 First National Bank Texas Killeen 2,884 322 1,735,187 5,389 6,314 602 705 2,033,120 30 Vantage Bank Texas San Antonio 457 27 1,701,724 63,027 73,903 3,724 4,366 1,995,378 31 Spirit of Texas Bank, SSB Conroe 339 27 1,610,346 59,642 72,575 4,750 5,780 1,959,519 32 American First National Bank Houston 225 17 1,644,016 96,707 110,030 7,307 8,313 1,870,513 33 WestStar Bank El Paso 319 14 1,601,803 114,415 133,122 5,021 5,842 1,863,705 34 Jefferson Bank San Antonio 347 13 1,675,074 128,852 143,332 4,827 5,370 1,863,311 35 Austin Bank, Texas National Association Jacksonville 481 34 1,516,094 44,591 54,200 3,152 3,831 1,842,784 36 BTH Bank, National Association Quitman 121 13 1,538,957 118,381 139,003 12,719 14,934 1,807,038 37 First State Bank of Uvalde Uvalde 127 8 1,602,140 200,268 223,100 12,615 14,054 1,784,798 38 FirstCapital Bank of Texas, N.A. Midland 279 19 1,387,462 73,024 89,003 4,973 6,061 1,691,056 39 Pioneer Bank, SSB Austin 212 20 1,078,193 53,910 84,365 5,086 7,959 1,687,303 40 American Momentum Bank College Station 276 22 1,395,799 63,445 75,405 5,057 6,011 1,658,912 41 Beal Bank, SSB Plano 209 19 1,028,433 54,128 83,874 4,921 7,625 1,593,604 42 Extraco Banks, National Association Temple 331 17 1,246,309 73,312 91,207 3,765 4,684 1,550,522 43 AimBank Littlefield 243 25 1,349,362 53,974 61,839 5,553 6,362 1,545,971 44 American Bank, National Association Corpus Christi 268 12 1,362,481 113,540 126,337 5,084 5,657 1,516,046 45 Pinnacle Bank Fort Worth 232 22 1,277,923 58,087 67,443 5,508 6,395 1,483,744 46 Texas Community Bank Laredo 214 9 1,257,854 139,762 159,277 5,878 6,699 1,433,493 47 Community National Bank Midland 212 10 1,219,213 121,921 138,129 5,751 6,515 1,381,285 48 First United Bank Dimmitt 209 15 1,072,979 71,532 90,560 5,134 6,500 1,358,402 49 West Texas National Bank Midland 173 11 1,149,605 104,510 118,812 6,645 7,554 1,306,928 50 North Dallas Bank & Trust Co. Dallas 153 6 1,109,271 184,879 213,404 7,250 8,369 1,280,421
Source: S&P Global Market Intelligence 204 Texas – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Vantage Bank Texas San Antonio 1,995,378 9.19 258.27 0.75 258.19 89.95 3.61 7.31 2 Bank of DeSoto, National Association Desoto 180,859 8.81 (1.57) 0.84 (0.35) 71.49 3.84 7.09 3 Charter Bank Corpus Christi 299,400 9.29 8.02 0.51 1.08 69.74 4.11 6.38 4 State Bank of Texas Dallas 823,039 9.42 (4.98) 1.87 (2.12) 92.32 3.77 6.31 5 Bank of South Texas Pharr 138,027 8.26 (7.18) 1.37 1.74 81.16 2.09 6.29 6 TBK Bank, SSB Dallas 5,014,616 7.92 20.37 1.05 6.99 113.85 2.89 6.21 7 First State Bank Abernathy 45,914 10.26 30.79 1.54 13.36 91.60 2.20 6.20 8 First National Bank of Eldorado Eldorado 58,932 9.25 21.18 0.20 (2.33) 71.89 2.42 5.79 9 Central Bank Houston 748,533 7.35 6.80 0.84 2.86 91.86 2.76 5.59 9 First Community Bank Corpus Christi 421,708 6.97 (0.64) 0.44 (3.79) 84.76 2.99 5.59 11 Wallis Bank Wallis 779,720 7.31 8.40 1.18 17.48 88.98 1.70 5.51 12 Brazos National Bank Richwood 32,735 6.27 32.89 0.29 17.66 161.62 NA 5.48 13 First National Bank of Dublin Dublin 92,190 6.53 3.91 0.28 2.83 84.29 2.69 5.47 14 First Capital Bank Quanah 62,001 6.51 3.01 0.93 (1.02) 99.53 NA 5.45 15 Coleman County State Bank Coleman 121,930 6.73 (2.15) 0.40 11.49 78.67 2.73 5.43 16 FirstCapital Bank of Texas, N.A. Midland 1,691,056 7.02 60.03 0.78 40.67 95.57 2.77 5.40 16 United Bank of El Paso del Norte El Paso 254,684 6.50 3.91 0.58 8.99 85.71 3.01 5.40 18 First National Bank of Hughes Springs Hughes Springs 263,967 6.44 0.96 0.19 (9.45) 83.50 3.78 5.38 19 Security Bank Midland 921,688 7.51 8.37 0.07 8.06 64.17 2.48 5.36 20 Charis Bank Justin 93,550 7.46 (5.85) 0.33 9.55 63.91 NA 5.34 21 USAA Federal Savings Bank San Antonio 88,536,622 7.60 2.19 0.38 5.21 63.74 2.35 5.29 22 First National Bank Baird Baird 401,882 6.26 (3.70) 0.65 0.94 94.88 1.85 5.27 23 Southwest Bank Odessa 448,433 6.84 9.74 0.12 9.91 68.10 2.67 5.25 24 Amistad Bank Del Rio 28,818 6.44 (3.79) 0.46 (2.70) 86.35 NA 5.24 25 First State Bank Shallowater 95,663 7.67 (15.45) 1.30 (13.72) 92.05 2.73 5.20 26 First State Bank Louise 499,645 6.52 13.09 0.33 6.59 83.02 2.81 5.18 27 First Bank Burkburnett 469,037 6.16 20.15 0.48 10.08 93.88 2.31 5.17 28 Cendera Bank, National Association Bells 105,641 6.82 10.86 1.30 7.28 100.46 1.53 5.16 28 First National Bank of Anson Anson 61,047 7.25 5.23 0.08 (4.26) 67.69 2.05 5.16 30 TransPecos Banks, SSB Pecos 242,591 7.21 23.84 0.85 16.16 70.13 3.79 5.12 30 Rio Bank McAllen 554,406 7.61 (3.42) 1.03 1.67 70.26 2.43 5.12 32 American Bank, National Association Dallas 83,343 12.43 32.64 1.08 37.02 48.17 2.26 5.09 33 Texas National Bank Mercedes 295,120 7.44 9.77 0.96 11.97 78.92 2.27 5.08 34 Lovelady State Bank Lovelady 44,099 7.24 (5.37) 0.43 (8.71) 58.42 2.52 5.07 35 First National Bank of Weatherford Weatherford 276,125 6.38 0.03 0.86 13.07 85.29 2.24 5.05 35 First Federal Bank Littlefield, Texas Littlefield 50,307 6.26 (1.55) 0.95 (7.24) 114.61 2.10 5.05 37 Citizens National Bank of Texas Waxahachie 1,162,044 5.58 5.88 0.23 4.83 92.74 3.96 5.02 38 Citizens State Bank Roma 87,142 8.40 18.51 1.08 11.55 60.68 2.90 4.99 38 Heritage Bank Pearland 298,294 5.85 13.25 0.71 9.20 103.74 2.60 4.99 40 First State Bank of Odem Odem 145,730 7.33 10.90 0.16 0.35 64.64 2.21 4.98 41 NewFirst National Bank El Campo 727,596 6.43 0.09 0.49 2.76 83.35 2.88 4.96 42 Texas Republic Bank, National Association Frisco 297,575 6.48 14.83 1.26 9.67 106.12 1.97 4.95 43 Beal Bank, SSB Plano 1,593,604 8.32 (5.10) 2.08 (26.14) 99.63 6.01 4.90 44 First National Bank of Winnsboro Winnsboro 136,406 6.38 (1.00) 0.61 (5.03) 85.37 3.19 4.89 44 Bank of Houston, National Association Houston 119,991 7.94 505.28 0.52 81.67 97.48 2.95 4.89 46 First National Bank of Evant Evant 99,564 6.13 9.14 0.24 (1.81) 80.69 2.23 4.88 46 National Bank of Andrews Andrews 224,469 6.37 10.33 0.21 10.06 69.17 3.16 4.88 48 American State Bank Arp 440,176 6.14 62.77 0.92 68.80 87.92 2.80 4.87 49 Pavillion Bank Richardson 75,578 6.17 2.81 0.41 (2.49) 79.53 2.88 4.84 50 Community Bank Bridgeport 98,112 6.25 18.39 0.71 11.52 80.61 2.72 4.82
Source: S&P Global Market Intelligence 205 Texas – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Brazos National Bank Richwood 32,735 704 0.26 17.73 0.00 0.00 5,112 18.13 2 First National Bank Texas Killeen 2,033,120 37,388 7.70 0.29 0.00 0.00 292,829 14.86 3 Austin Capital Bank SSB Austin 127,644 1,015 0.04 14.29 0.00 0.00 15,950 14.21 4 Crockett National Bank San Antonio 651,626 14,852 0.09 8.62 0.00 0.00 57,626 8.93 5 Woodforest National Bank The Woodlands 6,307,633 132,664 3.98 0.00 0.00 0.00 485,817 7.88 6 PlainsCapital Bank Dallas 11,095,771 178,389 0.15 5.64 0.25 0.00 631,504 6.26 7 Colonial Savings, F.A. Fort Worth 1,121,689 1,589 0.01 1.85 3.10 0.02 60,735 5.67 8 T Bank, National Association Dallas 351,008 4,626 0.01 0.00 0.04 0.00 13,788 4.39 9 TIB The Independent BankersBank, National Association Farmers Branch 2,633,523 22,721 0.00 0.12 0.03 0.00 95,288 3.92 10 Fort Hood National Bank Fort Hood 297,604 2,933 1.95 0.00 0.00 0.00 9,521 3.49 11 Benchmark Bank Plano 713,189 11,635 0.01 0.00 0.00 (0.01) 19,663 3.11 12 First Bank Burkburnett 469,037 9,293 0.33 2.57 0.04 0.01 13,069 3.09 13 USAA Federal Savings Bank San Antonio 88,536,622 982,121 0.28 0.69 (0.17) 0.00 2,419,061 2.96 14 National Bank of Andrews Andrews 224,469 6,437 0.26 0.00 0.00 0.00 5,868 2.73 15 Amistad Bank Del Rio 28,818 432 0.42 1.56 0.00 0.00 701 2.45 16 ValueBank Texas Corpus Christi 243,667 4,853 0.56 0.00 0.00 0.00 5,784 2.36 17 First Command Bank Fort Worth 786,637 17,027 0.28 0.00 0.00 0.00 18,022 2.34 18 Texas Bank Financial Weatherford 420,725 8,991 0.08 0.67 0.77 0.00 8,092 2.18 19 Titan Bank, N.A. Mineral Wells 142,287 2,790 0.79 0.18 0.00 0.00 2,938 2.05 20 City Bank Lubbock 2,793,705 30,744 0.30 0.77 (0.01) (0.01) 54,015 1.98 21 First National Bank of Livingston Livingston 401,671 5,112 0.49 0.00 0.00 0.00 7,056 1.88 22 Spectra Bank Fort Worth 83,019 (2,214) 0.84 0.00 0.00 0.00 1,352 1.86 23 First Bank & Trust Lubbock 1,158,320 12,152 0.26 1.20 (0.02) (0.01) 20,287 1.83 24 First Bank & Trust Seymour 127,397 1,675 0.43 0.00 0.00 0.00 2,740 1.81 24 International Bank of Commerce Zapata 397,497 4,755 1.07 0.00 0.00 (0.01) 7,576 1.81 26 TransPecos Banks, SSB Pecos 242,591 1,019 0.26 0.19 0.04 0.39 4,083 1.80 27 Citizens National Bank at Brownwood Brownwood 215,474 6,151 0.51 0.01 0.05 0.01 3,646 1.74 28 Herring Bank Amarillo 448,229 3,414 0.41 0.22 0.00 (0.01) 7,069 1.69 29 American National Bank & Trust Wichita Falls 819,424 9,280 0.09 0.24 0.04 0.00 12,811 1.68 30 First State Bank Abernathy 45,914 574 0.88 0.00 0.00 0.00 712 1.67 31 Zavala County Bank Crystal City 69,231 723 0.90 0.00 0.00 0.00 1,058 1.61 32 MINT National Bank Kingwood 249,813 3,684 0.01 1.45 0.12 0.00 3,542 1.59 33 Tolleson Private Bank Dallas 541,674 12,344 0.00 0.00 0.00 0.00 8,273 1.55 34 Peoples Bank Paris 148,264 1,683 0.93 0.00 0.00 0.00 2,351 1.53 35 Commercial Bank of Texas, N.A. Nacogdoches 786,709 8,865 0.50 0.27 0.08 0.00 11,193 1.51 36 UBank Huntington 240,149 2,145 1.13 0.00 0.00 (0.01) 3,571 1.50 37 Comerica Bank Dallas 72,895,000 1,241,563 0.29 0.00 0.00 0.00 1,038,809 1.46 37 First Liberty National Bank Liberty 323,553 4,713 0.48 0.00 0.00 0.00 4,568 1.46 39 Security State Bank & Trust Fredericksburg 1,090,241 19,776 0.21 0.11 0.00 (0.03) 15,201 1.45 40 International Bank of Commerce Laredo 8,525,807 167,679 0.56 0.01 0.01 0.01 123,284 1.44 41 Industry State Bank Industry 835,632 12,869 0.12 0.00 0.00 0.00 11,113 1.39 42 International Bank of Commerce Brownsville 1,055,317 24,197 0.64 0.00 0.00 0.08 14,570 1.38 42 One World Bank Dallas 116,494 738 0.71 0.48 0.08 (0.01) 1,442 1.38 44 Community Bank & Trust, Waco, Texas Waco 460,101 4,215 0.13 0.00 0.00 0.00 6,098 1.36 45 Extraco Banks, National Association Temple 1,550,522 17,780 0.32 0.07 0.00 0.00 19,519 1.34 46 Bank and Trust, SSB Del Rio 426,811 4,312 0.23 0.00 0.00 0.00 5,580 1.33 46 Austin Bank, Texas National Association Jacksonville 1,842,784 30,553 0.62 0.05 0.00 0.01 24,166 1.33 46 Ozona National Bank Ozona 273,229 5,062 0.30 0.00 0.00 0.01 3,522 1.33 49 Cowboy Bank of Texas Maypearl 87,081 1,930 0.24 0.71 0.00 0.00 1,120 1.32 49 Moody National Bank Galveston 1,194,766 16,198 0.19 0.00 0.00 0.01 14,088 1.32 49 Vantage Bank Texas San Antonio 1,995,378 37,287 0.38 0.07 0.00 (0.01) 25,524 1.32
Source: S&P Global Market Intelligence 206 Texas – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 NexBank SSB Dallas 10,157,505 43.14 87 3 0.30 0.02 0.40 0.72 2 Texas Exchange Bank, SSB Crowley 1,079,006 22.01 22 2 0.33 0.04 0.43 0.81 3 First State Bank of Uvalde Uvalde 1,784,798 33.84 127 8 0.50 0.05 0.31 0.87 4 Falls City National Bank Falls City 407,014 23.61 27 3 0.51 0.08 0.29 0.88 5 Lamesa National Bank Lamesa 347,424 41.81 28 1 0.64 0.11 0.18 0.93 6 First National Bank of Mertzon Mertzon 478,072 40.18 31 3 0.57 0.09 0.28 0.94 7 Bank of Brenham, National Association Brenham 455,221 40.14 26 1 0.46 0.06 0.44 0.95 8 Citizens 1st Bank Tyler 704,802 36.66 63 4 0.63 0.08 0.38 1.08 9 Fayetteville Bank Fayetteville 545,542 46.23 33 3 0.56 0.10 0.44 1.10 10 First National Bank of Lake Jackson Lake Jackson 255,139 50.65 27 2 0.66 0.11 0.34 1.11 11 First National Bank of Shiner Shiner 806,999 42.53 61 5 0.62 0.11 0.42 1.15 12 BTH Bank, National Association Quitman 1,807,038 36.05 121 13 0.71 0.19 0.35 1.24 13 Burton State Bank Burton 68,901 45.89 9 1 0.71 0.17 0.37 1.24 14 Bank of Texas Midland 379,987 31.52 24 3 0.85 0.07 0.33 1.25 15 Peoples State Bank of Hallettsville Hallettsville 276,777 53.19 28 1 0.82 0.07 0.37 1.27 16 Hill Bank & Trust Co. Weimar 143,279 49.02 14 1 0.68 0.15 0.46 1.29 17 State National Bank of Big Spring Big Spring 399,991 42.81 33 3 0.70 0.15 0.45 1.30 18 Peoples State Bank Rocksprings 80,857 42.45 7 1 0.69 0.26 0.37 1.31 19 Prosperity Bank El Campo 22,083,149 40.81 3,044 264 0.88 0.18 0.28 1.34 20 United Texas Bank Dallas 645,537 54.52 36 2 0.81 0.12 0.45 1.38 21 First National Bank of Alvin Alvin 140,382 49.70 19 2 0.68 0.21 0.53 1.42 22 Pearland State Bank Pearland 188,638 46.80 27 1 0.86 0.28 0.29 1.43 23 Citizens National Bank of Crosbyton Crosbyton 49,023 45.87 9 1 0.88 0.12 0.43 1.43 24 Atascosa Bank Pleasanton 89,101 48.75 12 1 0.77 0.15 0.55 1.48 25 Citizens State Bank Buffalo 978,882 54.38 100 10 0.74 0.15 0.61 1.50 26 Inwood National Bank Dallas 2,959,466 43.24 221 14 0.89 0.23 0.38 1.50 27 Commerce Bank Laredo 516,021 40.89 56 5 0.40 0.25 0.87 1.52 28 National Bank & Trust La Grange 211,045 62.04 26 2 0.82 0.13 0.57 1.52 29 Yoakum National Bank Yoakum 220,470 50.32 28 1 0.85 0.18 0.50 1.52 30 First National Bank of Bellville Bellville 710,519 50.17 50 3 0.76 0.13 0.64 1.54 31 First National Bank of Sterling City Sterling City 181,791 56.63 21 3 0.89 0.20 0.49 1.58 32 First National Bank of Aspermont Aspermont 60,369 50.41 9 1 0.81 0.20 0.57 1.58 33 State Bank of Texas Dallas 823,039 22.89 89 6 0.97 0.18 0.44 1.59 34 Dilley State Bank Dilley 134,782 59.61 18 1 1.06 0.12 0.41 1.59 35 Stockmens National Bank in Cotulla Cotulla 95,754 53.58 15 1 0.90 0.18 0.52 1.61 36 Citizens State Bank Sealy 307,307 45.93 35 1 0.99 0.10 0.53 1.62 37 First National Bank of Stanton Stanton 219,232 43.81 22 2 0.91 0.32 0.40 1.63 38 Perryton National Bank Perryton 174,052 48.78 21 1 0.94 0.17 0.55 1.66 39 Muenster State Bank Muenster 165,033 49.84 18 2 1.01 0.13 0.55 1.69 40 Columbus State Bank Columbus 104,976 62.10 13 2 0.92 0.20 0.59 1.70 41 Southside Bank Tyler 6,537,453 48.88 842 63 1.14 0.22 0.40 1.76 42 Security State Bank Pearsall 631,651 51.74 82 7 1.15 0.23 0.38 1.77 43 First National Bank in Port Lavaca Port Lavaca 330,647 56.16 48 4 1.05 0.31 0.43 1.78 44 Round Top State Bank Round Top 596,323 52.10 74 6 1.08 0.25 0.47 1.80 45 Dallas Capital Bank, National Association Dallas 988,352 64.42 67 1 1.20 0.14 0.47 1.81 46 First National Bank of Floydada Floydada 102,534 50.05 14 1 1.07 0.16 0.58 1.81 47 First State Bank and Trust Company Carthage 505,165 54.79 60 1 1.15 0.13 0.54 1.82 48 Community Bank Longview 220,632 42.24 37 6 0.86 0.37 0.59 1.82 49 Central National Bank Waco 928,934 45.37 96 4 1.17 0.19 0.46 1.82 50 Independent Bank McKinney 14,954,237 44.40 1,421 95 1.08 0.26 0.50 1.83
Source: S&P Global Market Intelligence 207 Texas – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 First National Bank of Mertzon Mertzon 478,072 58,052 2.22 0.07 0.00 0.00 (0.17) (0.10) 2 ValueBank Texas Corpus Christi 243,667 124,849 1.23 0.00 0.00 0.00 (0.02) (0.02) 3 Bank of Houston, National Association Houston 119,991 78,898 0.88 0.00 0.00 0.00 (0.01) (0.01) 3 Peoples State Bank Rocksprings 80,857 36,436 0.30 0.00 0.00 0.00 (0.01) (0.01) 5 Capital Bank of Texas Carrizo Springs 87,033 21,274 1.00 0.00 0.00 0.00 0.00 0.00 5 Columbus State Bank Columbus 104,976 9,666 2.51 0.00 0.00 0.00 0.00 0.00 5 Chappell Hill Bank Chappell Hill 33,352 26,486 2.23 0.00 0.00 0.00 0.00 0.00 5 First Bank and Trust of Memphis Memphis 56,159 32,450 1.91 0.00 0.00 0.00 0.00 0.00 5 First State Bank Stratford 250,188 144,591 0.54 0.00 0.00 0.00 0.00 0.00 5 First National Bank of Burleson Burleson 197,053 58,515 0.99 0.00 0.00 0.00 0.00 0.00 5 First State Bank Abilene 36,304 12,474 0.84 0.00 0.00 0.00 0.00 0.00 5 Liberty Capital Bank Addison 267,555 198,931 1.02 0.00 0.00 0.00 0.00 0.00 5 Menard Bank Menard 41,805 13,369 1.53 0.00 0.00 0.00 0.00 0.00 5 First National Bank of Lipan Lipan 21,416 7,086 1.14 0.00 0.00 0.00 0.00 0.00 5 Sundown State Bank Sundown 159,326 126,047 0.81 0.00 0.00 0.00 0.00 0.00 5 MapleMark Bank Dallas 511,469 418,041 1.01 0.00 0.00 0.00 0.00 0.00 17 Western Bank Lubbock 347,786 254,003 0.82 0.00 0.00 0.00 0.00 0.00 18 Citizens State Bank Sealy 307,307 148,404 1.09 0.00 0.00 0.00 0.01 0.01 19 Inwood National Bank Dallas 2,959,466 1,810,779 1.03 0.00 0.00 0.03 (0.01) 0.02 20 Texas Brand Bank Dallas 210,526 177,328 1.35 0.00 0.00 0.00 0.02 0.02 21 Oakwood Bank Dallas 373,421 271,389 0.64 0.00 0.00 0.00 0.02 0.02 22 Texas Financial Bank Eden 102,108 38,032 1.86 0.02 0.00 0.00 0.01 0.03 23 Bank of San Antonio San Antonio 813,553 666,305 0.93 0.00 0.00 0.01 0.02 0.03 24 Tolleson Private Bank Dallas 541,674 410,086 1.04 0.00 0.00 0.01 0.02 0.03 25 Citizens State Bank Ganado 55,605 9,429 1.34 0.00 0.00 0.00 0.04 0.04 26 Citizens State Bank of Luling Luling 70,477 57,741 1.66 0.04 0.00 0.10 (0.08) 0.06 27 Bank and Trust of Bryan/College Station Bryan 629,797 442,139 1.35 0.00 0.00 0.04 0.01 0.06 28 State National Bank of Big Spring Big Spring 399,991 102,674 1.59 0.00 0.00 0.05 0.01 0.06 29 First Texas Bank Killeen 315,572 116,842 0.18 0.01 0.00 0.05 0.00 0.06 30 Texas Republic Bank, National Association Frisco 297,575 249,079 1.11 0.05 0.00 0.00 0.03 0.08 31 First National Bank of Alvin Alvin 140,382 21,937 1.21 0.12 0.00 0.00 (0.04) 0.08 32 Texas Hill Country Bank Bandera 153,347 128,022 0.86 0.04 0.00 0.00 0.05 0.09 33 Citizens National Bank Cameron 414,287 257,042 1.62 0.09 0.00 0.00 0.00 0.09 34 United Texas Bank Dallas 645,537 353,517 0.73 0.00 0.00 0.00 0.09 0.09 35 Tejas Bank Monahans 183,590 101,724 1.61 0.30 0.15 0.00 (0.36) 0.09 36 BOC Bank Amarillo 61,980 31,092 1.15 0.00 0.00 0.00 0.10 0.10 37 Stockmens National Bank in Cotulla Cotulla 95,754 16,001 1.32 0.08 0.00 0.00 0.02 0.10 38 Brazos National Bank Richwood 32,735 26,470 0.61 0.05 0.00 0.05 0.00 0.10 39 Pearland State Bank Pearland 188,638 44,569 1.14 0.00 0.00 0.11 (0.01) 0.10 40 First Bank of Celeste Celeste 54,381 20,295 1.61 0.08 0.00 0.00 0.02 0.10 41 First Texas Bank Lampasas 138,059 61,894 0.48 0.22 0.08 0.25 (0.44) 0.11 42 Zavala County Bank Crystal City 69,231 8,741 1.46 0.00 0.00 0.07 0.05 0.12 43 Texas Exchange Bank, SSB Crowley 1,079,006 270,475 1.21 0.00 0.00 0.00 0.12 0.12 44 Extraco Banks, National Association Temple 1,550,522 998,546 2.31 0.03 0.00 0.06 0.03 0.12 45 First Texas Bank Georgetown 651,903 235,939 0.43 0.04 0.08 0.00 0.00 0.12 46 Worthington National Bank Arlington 293,093 219,455 1.36 0.05 0.00 0.04 0.03 0.12 47 Peoples Bank Lubbock 542,922 378,441 0.85 0.02 0.00 0.11 0.01 0.14 48 Texas State Bank San Angelo 274,197 140,547 0.97 0.14 0.00 0.00 0.01 0.15 49 POINTWEST Bank West 98,343 41,039 0.99 0.05 0.00 0.02 0.08 0.15 50 Keystone Bank, National Association Austin 178,723 103,434 0.41 0.11 0.00 0.05 0.01 0.16
Source: S&P Global Market Intelligence 208 Texas – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Charter Bank Corpus Christi 299,400 9,663 54 179 9,035 6,920 2.57 24.32 2 Horizon Bank, SSB Austin 1,178,155 20,709 170 122 14,900 11,992 1.93 23.21 3 State Bank of Texas Dallas 823,039 41,653 89 468 38,155 72,303 3.59 22.21 4 National Bank of Andrews Andrews 224,469 6,437 56 115 5,554 4,046 2.25 21.41 5 First Command Bank Fort Worth 786,637 17,027 83 205 15,749 13,686 1.66 20.59 6 Falls City National Bank Falls City 407,014 9,051 27 335 7,441 6,298 2.22 19.93 7 Texas Bank Financial Weatherford 420,725 8,991 111 81 6,232 4,909 1.82 19.36 8 ValueBank Texas Corpus Christi 243,667 4,853 98 50 2,325 2,080 1.98 19.11 9 Tolleson Private Bank Dallas 541,674 12,344 41 301 9,885 10,144 1.73 19.01 10 Tejas Bank Monahans 183,590 4,927 16 308 3,954 2,296 2.10 18.89 11 Citizens State Bank Miles 155,224 3,532 20 177 3,275 3,015 1.79 18.62 12 First National Bank of Anson Anson 61,047 1,385 14 99 1,096 722 1.67 18.53 13 Grandview Bank Grandview 229,193 3,645 35 104 3,233 1,360 1.70 17.90 14 Community National Bank Midland 1,381,285 25,932 212 122 13,747 11,456 1.90 17.89 15 NewFirst National Bank El Campo 727,596 19,805 100 198 17,286 14,707 2.09 17.89 16 First National Bank of Central Texas Waco 856,007 19,706 94 210 18,578 15,802 1.73 17.78 17 Citizens National Bank at Brownwood Brownwood 215,474 6,151 48 128 1,666 3,264 2.21 17.50 18 Woodforest National Bank The Woodlands 6,307,633 132,664 5,003 27 108,831 84,761 1.61 17.40 19 Wallis Bank Wallis 779,720 19,883 160 124 18,702 13,143 2.07 17.32 20 Community Bank Longview 220,632 5,457 37 147 5,091 4,495 1.87 17.12 21 Citizens Bank Amarillo 170,333 3,942 23 171 2,991 3,297 1.82 17.12 22 Citizens National Bank of Texas Waxahachie 1,162,044 26,970 179 151 20,653 17,775 1.83 17.07 22 First State Bank Louise 499,645 10,093 129 78 10,076 7,232 1.57 17.07 24 Central National Bank Waco 928,934 18,203 96 190 16,216 15,216 1.54 16.97 25 Comerica Bank Dallas 72,895,000 1,241,563 6,976 178 1,043,839 826,869 1.75 16.59 26 First Community Bank San Benito 477,068 6,354 122 52 5,167 3,642 1.43 16.53 27 Cowboy Bank of Texas Maypearl 87,081 1,930 17 114 1,786 1,711 1.71 16.46 28 First National Bank of Stanton Stanton 219,232 3,438 22 156 2,059 1,252 1.59 16.45 29 Bank and Trust of Bryan/College Station Bryan 629,797 11,028 83 133 9,303 7,845 1.78 16.35 30 First National Bank Texas Killeen 2,033,120 37,388 2,884 13 29,193 19,428 1.43 16.26 31 Bank of Texas Midland 379,987 9,920 24 413 7,833 5,632 2.03 16.25 32 Coleman County State Bank Coleman 121,930 2,486 36 69 2,502 990 1.61 16.23 33 West Texas National Bank Midland 1,306,928 30,333 173 175 16,199 14,574 1.68 16.21 34 Guadalupe Bank Kerrville 168,773 2,337 32 73 1,815 1,353 1.43 16.17 35 Waggoner National Bank of Vernon Vernon 286,725 8,325 62 134 8,060 7,447 2.15 16.16 36 First National Bank of Evant Evant 99,564 1,849 27 68 1,442 1,189 1.39 15.80 37 Texas Exchange Bank, SSB Crowley 1,079,006 21,225 22 965 12,476 11,773 2.03 15.76 38 Commercial National Bank of Texarkana Texarkana 213,684 3,670 71 52 3,500 2,904 1.30 15.64 39 First National Bank of Mertzon Mertzon 478,072 4,913 31 158 3,356 2,132 1.09 15.58 40 First Financial Bank, National Association Abilene 8,081,774 154,798 1,213 128 140,777 105,191 2.00 15.48 41 WestStar Bank El Paso 1,863,705 48,746 319 153 42,573 38,051 1.96 15.30 42 First National Bank of Weatherford Weatherford 276,125 3,821 55 69 2,214 2,030 1.50 15.16 43 HomeBank Texas Seagoville 205,277 4,211 40 105 3,596 1,924 1.62 15.15 44 Citizens State Bank Somerville 642,233 9,709 121 80 6,897 5,464 1.61 14.99 44 Santa Anna National Bank Santa Anna 54,252 872 12 73 732 625 1.74 14.99 46 First State Bank Clute 208,536 3,566 42 85 3,034 1,964 1.37 14.95 47 Vantage Bank Texas San Antonio 1,995,378 37,287 457 82 1,608 6,280 1.92 14.92 48 Commercial Bank Mason 54,956 688 9 76 708 549 1.31 14.89 49 Texas Republic Bank, National Association Frisco 297,575 4,681 52 90 3,544 3,006 1.68 14.82 50 Titan Bank, N.A. Mineral Wells 142,287 2,790 25 112 4,046 1,406 1.46 14.73
Source: S&P Global Market Intelligence 209 Texas – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 Horizon Bank, SSB Austin 1,178,155 53 109 232 59 2 91.0 2 WestStar Bank El Paso 1,863,705 131 77 123 84 41 91.2 3 Tejas Bank Monahans 183,590 93 243 83 35 10 92.8 4 State Bank of Texas Dallas 823,039 4 113 33 315 3 93.6 5 Wallis Bank Wallis 779,720 11 59 297 87 19 94.6 6 First National Bank of Central Texas Waco 856,007 151 176 80 70 16 98.6 7 ValueBank Texas Corpus Christi 243,667 103 16 374 2 8 100.6 8 Tolleson Private Bank Dallas 541,674 369 33 73 24 9 101.6 8 TexasBank Brownwood 497,431 78 84 198 86 62 101.6 10 Texas Exchange Bank, SSB Crowley 1,079,006 400 60 2 43 37 108.4 11 Citizens Bank Amarillo 170,333 83 174 119 147 21 108.8 12 Citizens National Bank of Texas Waxahachie 1,162,044 37 72 268 163 22 112.4 13 Bank and Trust of Bryan/College Station Bryan 629,797 187 269 72 27 29 116.8 14 Sundown State Bank Sundown 159,326 54 191 263 5 72 117.0 15 First State Bank Louise 499,645 26 169 288 91 22 119.2 16 Grandview Bank Grandview 229,193 139 243 108 95 13 119.6 17 First Financial Bank, National Association Abilene 8,081,774 233 94 93 151 40 122.2 18 Coleman County State Bank Coleman 121,930 15 56 381 141 32 125.0 19 Bank of San Antonio San Antonio 813,553 267 90 185 23 70 127.0 19 First United Bank Dimmitt 1,358,402 205 180 118 66 66 127.0 21 Community Bank Longview 220,632 214 279 48 79 20 128.0 22 Security Bank Midland 921,688 19 92 302 131 100 128.8 23 AimBank Littlefield 1,545,971 174 195 135 64 81 129.8 24 Comerica Bank Dallas 72,895,000 275 37 139 178 25 130.8 25 NewFirst National Bank El Campo 727,596 41 60 222 321 15 131.8 26 Community National Bank & Trust of Texas Corsicana 746,542 64 121 246 130 99 132.0 27 Waggoner National Bank of Vernon Vernon 286,725 122 84 96 325 35 132.4 28 Texas Republic Bank, National Association Frisco 297,575 42 347 197 30 49 133.0 29 Commercial National Bank of Texarkana Texarkana 213,684 128 138 234 134 38 134.4 29 Peoples Bank Lubbock 542,922 172 123 233 47 97 134.4 31 First Community Bank San Benito 477,068 76 125 281 173 26 136.2 31 Community National Bank Midland 1,381,285 93 216 87 271 14 136.2 33 Texas Financial Bank Eden 102,108 329 113 137 22 84 137.0 34 Citizens State Bank Miles 155,224 118 387 62 109 11 137.4 35 First National Bank of Eldorado Eldorado 58,932 8 227 267 71 117 138.0 36 International Bank of Commerce Brownsville 1,055,317 112 42 105 350 82 138.2 37 CommunityBank of Texas, N.A. Beaumont 3,432,117 99 224 153 80 137 138.6 38 Guadalupe Bank Kerrville 168,773 99 90 318 153 34 138.8 39 Industry State Bank Industry 835,632 413 41 55 118 68 139.0 40 Titan Bank, N.A. Mineral Wells 142,287 227 19 335 68 50 139.8 41 Citizens Bank, National Association Abilene 106,883 122 272 115 51 145 141.0 42 Santa Anna National Bank Santa Anna 54,252 63 206 228 167 44 141.6 43 West Texas National Bank Midland 1,306,928 205 265 71 143 33 143.4 44 Texas Bank Financial Weatherford 420,725 55 18 379 261 7 144.0 45 Amistad Bank Del Rio 28,818 24 15 407 78 197 144.2 46 First National Bank of Stanton Stanton 219,232 292 291 37 77 28 145.0 47 Benchmark Bank Plano 713,189 99 11 409 150 57 145.2 47 First National Bank of Anson Anson 61,047 28 139 254 293 12 145.2 49 City National Bank of Sulphur Springs Sulphur Springs 774,938 71 84 266 206 103 146.0 49 Security State Bank Farwell 151,454 166 286 75 93 110 146.0
Source: S&P Global Market Intelligence 210 Rank The Banks Virginia – 2019 Q3 Virginia – Bank Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) American National Bank and Trust Company Danville American National Bankshares Inc. 2/9/1909 29 365 No 2,441,577 1.00 7.77 Atlantic Union Bank Richmond Atlantic Union Bankshares Corporation 9/17/1902 149 1,946 No 17,395,748 1.28 7.99 Bank of Botetourt Buchanan 9/27/1899 12 114 No 484,593 1.02 9.88 Bank of Charlotte County Phenix BCC Bankshares, Inc. 11/12/1912 4 32 No 139,756 1.23 8.03 Bank of Clarke County Berryville Eagle Financial Services, Inc. 4/1/1881 13 177 No 844,515 1.15 10.72 Bank of Fincastle Fincastle 9/22/1875 7 64 No 222,202 0.45 3.69 Bank of Marion Marion Southwest Virginia Bankshares, Inc. 4/12/1874 16 115 No 385,868 1.24 10.52 Bank of Southside Virginia Carson Bank of Southside Virginia Corporation 8/10/1911 15 75 No 564,275 1.64 9.06 Bank of the James Lynchburg Bank of the James Financial Group, Inc. 7/22/1999 17 155 No 708,449 0.87 9.63 Benchmark Community Bank Kenbridge Benchmark Bankshares, Inc. 9/8/1971 17 186 No 700,433 1.45 13.58 Blue Grass Valley Bank Blue Grass 12/1/1915 2 11 No 43,365 0.57 5.15 Blue Ridge Bank, National Association Martinsville Blue Ridge Bankshares, Inc. 1/3/1894 8 178 No 735,300 1.04 11.65 Burke & Herbert Bank & Trust Company Alexandria 1/1/1852 25 472 No 2,915,743 0.96 8.08 Capital One Bank (USA), National Association Glen Allen Capital One Financial Corporation 11/22/1994 1 26,930 No 120,248,178 2.80 19.52 Capital One, National Association McLean Capital One Financial Corporation 5/22/1933 470 30,175 No 318,177,499 0.86 6.43 Carter Bank & Trust Martinsville 12/30/2006 104 976 No 4,020,076 0.65 5.86 Chain Bridge Bank, National Association McLean Chain Bridge Bancorp, Inc. 8/6/2007 1 55 No 711,313 0.69 8.24 Chesapeake Bank Kilmarnock Chesapeake Financial Shares, Inc. 4/13/1900 17 210 No 940,695 1.37 12.34 Citizens and Farmers Bank Toano C&F Financial Corporation 2/1/1927 25 624 No 1,605,691 1.33 11.58 Citizens Bank and Trust Company Blackstone Citizens Bancorp of Virginia, Inc. 7/15/1873 12 88 No 401,394 1.35 10.37 Community Bankers' Bank Midlothian CBB Financial Corp. 1/2/1987 1 21 No 140,753 0.21 1.54 CornerStone Bank, National Association Lexington 2/17/2009 4 40 No 168,718 0.71 6.65 Essex Bank Richmond Community Bankers Trust Corporation 1/1/1926 24 248 No 1,422,546 1.11 10.77 Farmers & Merchants Bank Timberville F & M Bank Corp. 4/15/1908 15 164 No 812,397 0.70 6.15 Farmers & Merchants Bank of Craig County New Castle 5/17/1917 1 15 No 60,976 1.28 6.51 Farmers and Miners Bank Pennington Gap 7/2/1979 6 56 No 133,810 1.25 8.98 Farmers Bank Windsor Farmers Bankshares, Inc. 11/15/1919 7 114 No 454,322 1.26 10.68 Farmers Bank of Appomattox Appomattox 9/16/1918 5 72 No 236,224 1.12 8.17 Fauquier Bank Warrenton Fauquier Bankshares, Inc. 3/20/1902 11 145 No 725,776 1.06 11.26 First Bank Strasburg First National Corporation 7/1/1907 14 159 No 776,668 1.33 13.86 First Bank and Trust Company Lebanon First Bancorp, Inc. 8/3/1979 24 381 No 1,927,606 1.49 12.96 First Community Bank Bluefield First Community Bankshares, Inc. 1/7/1920 49 521 No 2,202,130 1.78 12.65 First National Bank Altavista Pinnacle Bankshares Corporation 3/1/1908 10 116 No 480,492 1.08 12.08 First Sentinel Bank Richlands First Region Bancshares, Inc. 6/20/1978 7 73 No 282,498 1.17 13.14 Freedom Bank of Virginia Fairfax 7/23/2001 4 72 No 507,387 0.40 3.27 Frontier Community Bank Waynesboro 2/6/2008 2 20 No 136,463 0.73 7.21 FVCbank Fairfax FVCBankcorp, Inc. 11/27/2007 11 128 No 1,562,085 1.15 9.19 Grundy National Bank Grundy GNB Bankshares Corporation 1/21/1964 8 72 No 302,962 0.33 1.48 Highlands Community Bank Covington 9/16/2002 3 33 No 152,028 1.12 8.46 Highlands Union Bank Abingdon Highlands Bankshares, Inc. 4/27/1985 14 134 No 575,264 0.59 6.05 John Marshall Bank Reston John Marshall Bancorp, Inc. 4/17/2006 8 131 No 1,512,786 1.12 9.34 Lee Bank and Trust Company Pennington Gap 8/22/1932 4 44 No 144,442 0.89 5.84 MainStreet Bank Fairfax MainStreet Bancshares, Inc. 5/26/2004 6 122 No 1,233,593 1.31 10.88 Martinsville First Savings Bank Martinsville 1/1/1924 1 5 No 39,024 0.46 2.73 Miners Exchange Bank Coeburn 7/8/1982 5 49 No 100,758 0.19 1.54 Movement Bank Danville 9/8/1919 1 32 No 45,505 (2.65) (18.06) National Bank of Blacksburg Blacksburg National Bankshares, Inc. 5/21/1891 25 230 No 1,269,318 1.43 9.73 New Horizon Bank, National Association Powhatan 10/7/2009 1 21 No 87,665 0.42 4.07 New Peoples Bank, Inc. Honaker New Peoples Bankshares, Inc. 10/28/1998 22 233 No 705,752 0.44 4.58 Oak View National Bank Warrenton 6/8/2009 3 41 No 255,572 0.82 8.91
Source: S&P Global Market Intelligence 212 Virginia – Bank Listing, continued
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Old Dominion National Bank North Garden 7/23/2007 5 70 No 356,294 (1.05) (5.15) Old Point National Bank of Phoebus Hampton Old Point Financial Corporation 1/1/1923 22 257 No 1,044,249 0.69 7.17 Peoples Community Bank Montross Peoples Bankshares, Incorporated 6/17/1913 5 47 No 191,820 (0.29) (3.02) Pioneer Bank Stanley Pioneer Bankshares, Inc. 12/3/1909 8 64 No 220,090 1.09 9.34 Powell Valley National Bank Jonesville Powell Valley Bankshares, Inc. 1/1/1888 7 90 No 294,951 0.68 5.04 Select Bank Forest Select Bank Financial Corporation 6/4/2007 4 39 No 244,034 0.69 7.45 Skyline National Bank Independence Parkway Acquisition Corp. 11/1/1900 20 207 No 694,178 0.93 8.34 Sonabank Glen Allen Southern National Bancorp of Virginia, Inc. 4/14/2005 48 338 No 2,703,618 1.29 8.76 Touchstone Bank Prince George 6/5/1906 14 121 No 471,623 0.57 5.57 TowneBank Portsmouth 4/8/1999 43 2,417 No 12,021,316 1.22 8.97 TruPoint Bank Grundy Miners and Merchants Bancorp, Inc. 1/2/1975 12 120 No 449,192 0.86 9.09 United Bank Vienna United Bankshares, Inc. 5/10/1979 139 2,171 No 19,734,513 1.39 7.70 VCC Bank Richmond Virginia Community Capital, Inc. 8/20/2008 2 26 No 214,190 0.81 7.34 Village Bank Midlothian Village Bank and Trust Financial Corp. 12/13/1999 10 147 No 557,386 0.91 9.66 Virginia Bank and Trust Company Danville Virginia Bank Bankshares, Incorporated 11/24/1945 7 62 No 221,413 0.93 8.01 Virginia Commonwealth Bank Richmond Bay Banks of Virginia, Inc. 11/1/1930 18 153 No 1,107,558 0.70 6.58 Virginia Community Bank Louisa Virginia Community Bankshares, Inc. 9/10/1976 8 56 No 251,496 1.07 10.42 Virginia National Bank Charlottesville Virginia National Bankshares Corporation 7/29/1998 6 89 No 660,272 1.21 10.87 Virginia Partners Bank Fredericksburg 8/5/2008 4 59 No 441,805 0.68 6.44
Source: S&P Global Market Intelligence 213 Virginia – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 Capital One, National Association McLean 30,175 470 253,395,879 539,140 676,973 8,398 10,544 318,177,499 2 Capital One Bank (USA), National Association Glen Allen 26,930 1 77,781,600 77,781,600 120,248,178 2,888 4,465 120,248,178 3 United Bank Vienna 2,171 139 14,199,999 102,158 141,975 6,541 9,090 19,734,513 4 Atlantic Union Bank Richmond 1,946 149 13,130,684 88,125 116,750 6,748 8,939 17,395,748 5 TowneBank Portsmouth 2,417 43 9,504,289 221,030 279,565 3,932 4,974 12,021,316 6 Carter Bank & Trust Martinsville 976 104 3,521,981 33,865 38,655 3,609 4,119 4,020,076 7 Burke & Herbert Bank & Trust Company Alexandria 472 25 2,415,579 96,623 116,630 5,118 6,177 2,915,743 8 Sonabank Glen Allen 338 48 2,187,700 45,577 56,325 6,472 7,999 2,703,618 9 American National Bank and Trust Company Danville 365 29 2,052,471 70,775 84,192 5,623 6,689 2,441,577 10 First Community Bank Bluefield 521 49 1,854,342 37,844 44,941 3,559 4,227 2,202,130 11 First Bank and Trust Company Lebanon 381 24 1,600,053 66,669 80,317 4,200 5,059 1,927,606 12 Citizens and Farmers Bank Toano 624 25 1,249,333 49,973 64,228 2,002 2,573 1,605,691 13 FVCbank Fairfax 128 11 1,323,884 120,353 142,008 10,343 12,204 1,562,085 14 John Marshall Bank Reston 131 8 1,273,132 159,142 189,098 9,719 11,548 1,512,786 15 Essex Bank Richmond 248 24 1,178,666 49,111 59,273 4,753 5,736 1,422,546 16 National Bank of Blacksburg Blacksburg 230 25 1,068,235 42,729 50,773 4,645 5,519 1,269,318 17 MainStreet Bank Fairfax 122 6 1,066,368 177,728 205,599 8,741 10,111 1,233,593 18 Virginia Commonwealth Bank Richmond 153 18 900,607 50,034 61,531 5,886 7,239 1,107,558 19 Old Point National Bank of Phoebus Hampton 257 22 866,235 39,374 47,466 3,371 4,063 1,044,249 20 Chesapeake Bank Kilmarnock 210 17 825,809 48,577 55,335 3,932 4,480 940,695 21 Bank of Clarke County Berryville 177 13 736,387 56,645 64,963 4,160 4,771 844,515 22 Farmers & Merchants Bank Timberville 164 15 622,213 41,481 54,160 3,794 4,954 812,397 23 First Bank Strasburg 159 14 694,903 49,636 55,476 4,370 4,885 776,668 24 Blue Ridge Bank, National Association Martinsville 178 8 529,534 66,192 91,913 2,975 4,131 735,300 25 Fauquier Bank Warrenton 145 11 614,054 55,823 65,980 4,235 5,005 725,776 26 Chain Bridge Bank, National Association McLean 55 1 651,548 651,548 711,313 11,846 12,933 711,313 27 Bank of the James Lynchburg 155 17 633,866 37,286 41,673 4,089 4,571 708,449 28 New Peoples Bank, Inc. Honaker 233 22 622,382 28,290 32,080 2,671 3,029 705,752 29 Benchmark Community Bank Kenbridge 186 17 621,624 36,566 41,202 3,342 3,766 700,433 30 Skyline National Bank Independence 207 20 601,961 30,098 34,709 2,908 3,354 694,178 31 Virginia National Bank Charlottesville 89 6 581,016 96,836 110,045 6,528 7,419 660,272 32 Highlands Union Bank Abingdon 134 14 511,181 36,513 41,090 3,815 4,293 575,264 33 Bank of Southside Virginia Carson 75 15 448,791 29,919 37,618 5,984 7,524 564,275 34 Village Bank Midlothian 147 10 478,635 47,864 55,739 3,256 3,792 557,386 35 Freedom Bank of Virginia Fairfax 72 4 396,653 99,163 126,847 5,509 7,047 507,387 36 Bank of Botetourt Buchanan 114 12 427,008 35,584 40,383 3,746 4,251 484,593 37 First National Bank Altavista 116 10 431,359 43,136 48,049 3,719 4,142 480,492 38 Touchstone Bank Prince George 121 14 386,680 27,620 33,687 3,196 3,898 471,623 39 Farmers Bank Windsor 114 7 365,129 52,161 64,903 3,203 3,985 454,322 40 TruPoint Bank Grundy 120 12 376,774 31,398 37,433 3,140 3,743 449,192 41 Virginia Partners Bank Fredericksburg 59 4 339,775 84,944 110,451 5,759 7,488 441,805 42 Citizens Bank and Trust Company Blackstone 88 12 335,418 27,952 33,450 3,812 4,561 401,394 43 Bank of Marion Marion 115 16 328,004 20,500 24,117 2,852 3,355 385,868 44 Old Dominion National Bank North Garden 70 5 290,792 58,158 71,259 4,154 5,090 356,294 45 Grundy National Bank Grundy 72 8 233,924 29,241 37,870 3,249 4,208 302,962 46 Powell Valley National Bank Jonesville 90 7 243,828 34,833 42,136 2,709 3,277 294,951 47 First Sentinel Bank Richlands 73 7 235,768 33,681 40,357 3,230 3,870 282,498 48 Oak View National Bank Warrenton 41 3 200,895 66,965 85,191 4,900 6,233 255,572 49 Virginia Community Bank Louisa 56 8 219,555 27,444 31,437 3,921 4,491 251,496 50 Select Bank Forest 39 4 211,152 52,788 61,009 5,414 6,257 244,034
Source: S&P Global Market Intelligence 214 Virginia – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Capital One Bank (USA), National Association Glen Allen 120,248,178 16.17 5.07 3.28 9.94 129.86 2.59 11.33 2 Citizens and Farmers Bank Toano 1,605,691 7.76 8.84 0.94 7.81 94.22 2.86 5.71 3 Miners Exchange Bank Coeburn 100,758 7.20 0.55 0.26 12.29 59.03 2.03 5.19 4 Farmers and Miners Bank Pennington Gap 133,810 7.88 (0.77) 0.45 (4.04) 55.47 3.37 4.96 5 Virginia Community Bank Louisa 251,496 5.59 1.69 0.42 0.48 81.78 3.99 4.80 6 Pioneer Bank Stanley 220,090 5.87 9.60 0.69 7.10 97.67 2.41 4.73 7 First Community Bank Bluefield 2,202,130 5.21 (5.41) 0.27 (2.25) 91.35 3.30 4.63 8 Bank of Charlotte County Phenix 139,756 5.78 1.18 0.54 3.00 89.81 3.46 4.62 9 First Sentinel Bank Richlands 282,498 6.35 6.31 1.20 4.37 97.21 6.11 4.59 10 Skyline National Bank Independence 694,178 5.33 4.61 0.39 (0.15) 93.40 2.39 4.55 11 Benchmark Community Bank Kenbridge 700,433 5.57 3.97 0.48 13.97 88.66 3.32 4.54 12 Farmers & Merchants Bank Timberville 812,397 5.52 3.98 0.92 5.55 114.54 2.11 4.48 13 Movement Bank Danville 45,505 5.09 22.14 0.23 9.18 88.78 2.34 4.43 14 Virginia Bank and Trust Company Danville 221,413 5.34 4.92 0.20 14.75 75.32 2.13 4.35 15 New Horizon Bank, National Association Powhatan 87,665 6.13 9.78 1.28 9.54 91.86 1.75 4.31 16 Bank of Marion Marion 385,868 5.51 3.44 0.26 1.03 72.42 2.98 4.30 17 Touchstone Bank Prince George 471,623 5.41 5.73 0.77 4.90 90.44 2.97 4.26 17 Highlands Community Bank Covington 152,028 6.41 (0.34) 0.95 5.80 68.65 3.13 4.26 17 Farmers & Merchants Bank of Craig County New Castle 60,976 6.66 (1.23) 0.42 0.54 66.87 1.83 4.26 20 Lee Bank and Trust Company Pennington Gap 144,442 5.63 (5.40) 0.96 (6.67) 92.64 2.53 4.09 21 Farmers Bank of Appomattox Appomattox 236,224 5.16 1.18 0.49 (0.42) 78.08 3.19 4.06 22 CornerStone Bank, National Association Lexington 168,718 5.58 4.96 1.12 12.70 86.00 1.49 4.05 23 Chesapeake Bank Kilmarnock 940,695 5.84 5.60 0.86 17.93 69.26 3.78 4.03 23 First Bank Strasburg 776,668 5.17 5.92 0.52 2.36 82.36 2.53 4.03 25 Bank of Clarke County Berryville 844,515 4.93 6.69 0.44 5.99 86.27 2.97 3.99 26 First National Bank Altavista 480,492 4.90 5.08 0.55 0.63 90.73 2.52 3.98 26 New Peoples Bank, Inc. Honaker 705,752 5.12 5.03 0.65 3.86 89.78 2.47 3.98 28 Citizens Bank and Trust Company Blackstone 401,394 5.66 4.52 0.39 3.67 66.98 2.48 3.94 29 Village Bank Midlothian 557,386 5.08 4.09 0.92 9.30 91.35 2.54 3.93 30 First Bank and Trust Company Lebanon 1,927,606 5.21 6.71 0.86 9.32 98.43 2.64 3.91 30 Bank of Southside Virginia Carson 564,275 5.50 (5.29) 0.23 1.36 50.21 3.95 3.91 32 Bank of the James Lynchburg 708,449 5.01 5.69 0.74 4.26 88.57 2.38 3.90 33 Bank of Botetourt Buchanan 484,593 5.06 12.61 1.01 11.26 97.36 2.61 3.89 34 Bank of Fincastle Fincastle 222,202 5.14 9.98 0.62 10.59 83.47 1.65 3.87 35 Highlands Union Bank Abingdon 575,264 5.12 (0.15) 0.82 3.12 88.71 2.30 3.82 36 Essex Bank Richmond 1,422,546 5.42 6.68 1.07 3.75 90.65 3.16 3.81 37 Fauquier Bank Warrenton 725,776 4.83 2.57 0.55 8.39 89.04 2.69 3.80 38 Blue Grass Valley Bank Blue Grass 43,365 5.38 0.99 0.68 (4.92) 75.59 2.05 3.77 39 Capital One, National Association McLean 318,177,499 6.67 3.93 1.33 8.62 59.29 3.03 3.76 39 Atlantic Union Bank Richmond 17,395,748 5.15 31.53 0.90 33.39 94.28 3.42 3.76 41 Powell Valley National Bank Jonesville 294,951 5.38 8.55 0.81 8.47 85.85 2.99 3.75 42 American National Bank and Trust Company Danville 2,441,577 4.81 35.78 0.57 34.47 88.19 2.50 3.72 43 Farmers Bank Windsor 454,322 5.14 5.62 0.59 0.08 76.30 3.45 3.71 44 FVCbank Fairfax 1,562,085 5.20 27.10 1.30 30.05 93.92 2.56 3.69 45 Virginia National Bank Charlottesville 660,272 4.63 (0.99) 0.60 7.62 89.86 2.26 3.67 46 Old Point National Bank of Phoebus Hampton 1,044,249 4.69 (4.88) 0.54 2.72 85.70 2.57 3.63 47 Sonabank Glen Allen 2,703,618 5.27 (0.93) 1.51 7.74 97.88 2.62 3.62 48 Blue Ridge Bank, National Association Martinsville 735,300 5.39 33.81 1.41 34.74 102.19 3.10 3.60 49 MainStreet Bank Fairfax 1,233,593 5.61 16.62 1.90 19.26 93.96 3.68 3.59 50 Peoples Community Bank Montross 191,820 4.98 (12.31) 1.13 (7.21) 83.42 3.06 3.56
Source: S&P Global Market Intelligence 215 Virginia – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 Movement Bank Danville 45,505 (1,150) 0.10 0.00 0.00 0.00 2,698 6.22 2 Blue Ridge Bank, National Association Martinsville 735,300 6,348 0.10 1.53 0.00 (0.01) 17,314 2.84 3 Chesapeake Bank Kilmarnock 940,695 12,108 0.13 0.00 0.15 (0.03) 23,353 2.64 4 TowneBank Portsmouth 12,021,316 139,697 0.08 0.84 0.00 0.01 282,446 2.47 5 Capital One, National Association McLean 318,177,499 2,621,534 0.11 0.05 0.01 0.00 6,173,743 2.01 6 Citizens and Farmers Bank Toano 1,605,691 20,380 0.26 0.64 0.00 0.00 28,853 1.89 7 Farmers Bank Windsor 454,322 5,803 0.12 0.00 0.00 0.00 7,658 1.66 8 Community Bankers' Bank Midlothian 140,753 274 0.75 0.00 0.08 0.00 2,021 1.51 9 First Community Bank Bluefield 2,202,130 39,534 0.66 0.00 0.00 (0.06) 31,209 1.40 10 Village Bank Midlothian 557,386 4,770 0.13 0.89 0.00 0.00 7,153 1.37 11 New Peoples Bank, Inc. Honaker 705,752 3,067 0.49 0.00 0.00 (0.01) 8,549 1.22 12 First Bank Strasburg 776,668 10,227 0.39 0.01 0.00 0.00 8,765 1.14 13 Bank of Marion Marion 385,868 4,724 0.56 0.00 0.00 0.01 3,961 1.04 14 Benchmark Community Bank Kenbridge 700,433 9,762 0.19 0.16 0.00 0.00 6,695 0.99 15 Farmers & Merchants Bank Timberville 812,397 5,477 0.21 0.00 0.00 0.00 7,722 0.98 16 First National Bank Altavista 480,492 5,144 0.17 0.00 0.00 0.00 4,616 0.97 17 Fauquier Bank Warrenton 725,776 7,394 0.21 0.00 0.00 0.00 6,630 0.95 18 Citizens Bank and Trust Company Blackstone 401,394 5,350 0.21 0.04 0.00 0.06 3,535 0.89 19 Bank of Clarke County Berryville 844,515 9,252 0.15 0.00 0.00 (0.06) 7,109 0.88 20 Bank of the James Lynchburg 708,449 5,945 0.07 0.55 0.00 (0.04) 5,897 0.86 20 Freedom Bank of Virginia Fairfax 507,387 1,972 0.01 0.76 0.00 0.00 4,191 0.86 22 Bank of Southside Virginia Carson 564,275 9,210 0.28 0.00 0.00 0.00 4,599 0.82 23 Old Point National Bank of Phoebus Hampton 1,044,249 7,142 0.41 0.08 0.00 0.00 8,242 0.80 23 Virginia National Bank Charlottesville 660,272 7,802 0.12 0.03 0.00 0.00 5,125 0.80 25 TruPoint Bank Grundy 449,192 3,770 0.25 0.01 0.00 (0.07) 3,493 0.79 26 Atlantic Union Bank Richmond 17,395,748 202,487 0.18 0.04 0.00 0.00 119,467 0.76 27 Bank of Botetourt Buchanan 484,593 4,577 0.16 0.15 0.00 (0.04) 3,370 0.75 28 First Bank and Trust Company Lebanon 1,927,606 27,517 0.19 0.11 0.06 0.00 13,707 0.74 29 United Bank Vienna 19,734,513 269,596 0.12 0.37 0.00 (0.02) 141,321 0.73 30 Farmers and Miners Bank Pennington Gap 133,810 1,687 0.27 0.00 0.00 0.00 979 0.72 30 National Bank of Blacksburg Blacksburg 1,269,318 17,843 0.18 0.02 0.00 0.00 8,953 0.72 32 Skyline National Bank Independence 694,178 6,302 0.23 0.00 0.00 0.00 4,746 0.70 33 American National Bank and Trust Company Danville 2,441,577 21,411 0.13 0.10 0.00 0.00 14,000 0.66 34 Touchstone Bank Prince George 471,623 2,526 0.16 0.00 0.00 (0.03) 2,772 0.63 34 Pioneer Bank Stanley 220,090 2,313 0.59 0.00 0.00 (0.02) 1,328 0.63 36 Highlands Union Bank Abingdon 575,264 3,507 0.25 0.00 0.00 (0.01) 3,731 0.62 37 First Sentinel Bank Richlands 282,498 3,146 0.29 0.00 0.00 (0.02) 1,647 0.61 37 Virginia Partners Bank Fredericksburg 441,805 2,888 0.08 0.00 0.00 0.00 2,610 0.61 39 Virginia Community Bank Louisa 251,496 2,650 0.20 0.05 0.00 (0.02) 1,422 0.57 40 VCC Bank Richmond 214,190 1,596 0.00 0.00 0.03 (0.02) 1,111 0.56 41 Burke & Herbert Bank & Trust Company Alexandria 2,915,743 28,400 0.20 0.01 0.00 0.00 16,169 0.55 42 Virginia Bank and Trust Company Danville 221,413 1,884 0.40 0.00 0.00 0.00 1,071 0.53 43 Miners Exchange Bank Coeburn 100,758 171 0.49 0.00 0.00 (0.22) 436 0.49 43 CornerStone Bank, National Association Lexington 168,718 1,109 0.08 0.00 0.00 0.00 755 0.49 45 Farmers Bank of Appomattox Appomattox 236,224 2,609 0.23 0.00 0.00 0.00 1,022 0.44 45 MainStreet Bank Fairfax 1,233,593 14,903 0.09 0.05 0.00 0.00 5,039 0.44 47 Peoples Community Bank Montross 191,820 (567) 0.10 0.00 0.00 0.01 854 0.43 47 Powell Valley National Bank Jonesville 294,951 2,015 0.14 0.00 0.00 (0.02) 1,286 0.43 49 Highlands Community Bank Covington 152,028 1,635 0.17 0.00 0.00 0.00 605 0.42 50 Bank of Fincastle Fincastle 222,202 949 0.06 0.00 0.00 (0.04) 851 0.40 50 Essex Bank Richmond 1,422,546 15,542 0.13 0.03 0.01 0.01 5,555 0.40
Source: S&P Global Market Intelligence 216 Virginia – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 VCC Bank Richmond 214,190 60.76 26 2 0.99 0.17 0.65 1.81 2 United Bank Vienna 19,734,513 49.59 2,171 139 0.94 0.26 0.70 1.90 3 Chain Bridge Bank, National Association McLean 711,313 67.78 55 1 1.20 0.14 0.59 1.93 4 Sonabank Glen Allen 2,703,618 52.72 338 48 0.94 0.33 0.67 1.93 5 National Bank of Blacksburg Blacksburg 1,269,318 53.01 230 25 1.18 0.16 0.70 2.04 6 John Marshall Bank Reston 1,512,786 57.53 131 8 1.31 0.25 0.49 2.05 7 FVCbank Fairfax 1,562,085 55.84 128 11 1.13 0.23 0.71 2.08 8 MainStreet Bank Fairfax 1,233,593 53.85 122 6 1.31 0.24 0.56 2.11 9 Carter Bank & Trust Martinsville 4,020,076 73.01 976 104 1.24 0.28 0.70 2.22 10 Grundy National Bank Grundy 302,962 81.56 72 8 1.33 0.36 0.59 2.28 11 Select Bank Forest 244,034 72.64 39 4 1.29 0.25 0.78 2.32 12 Atlantic Union Bank Richmond 17,395,748 56.31 1,946 149 1.18 0.27 0.89 2.34 13 Frontier Community Bank Waynesboro 136,463 73.30 20 2 1.31 0.33 0.77 2.42 14 First Bank and Trust Company Lebanon 1,927,606 55.61 381 24 1.57 0.21 0.70 2.48 15 Bank of Southside Virginia Carson 564,275 56.30 75 15 1.30 0.26 0.96 2.51 16 Martinsville First Savings Bank Martinsville 39,024 83.05 5 1 1.21 0.32 0.99 2.52 17 Virginia National Bank Charlottesville 660,272 59.46 89 6 1.29 0.35 0.90 2.54 18 Virginia Commonwealth Bank Richmond 1,107,558 70.74 153 18 1.39 0.31 0.85 2.55 19 Essex Bank Richmond 1,422,546 65.16 248 24 1.52 0.36 0.73 2.60 20 Farmers & Merchants Bank of Craig County New Castle 60,976 61.57 15 1 1.55 0.18 0.90 2.63 21 Burke & Herbert Bank & Trust Company Alexandria 2,915,743 72.19 472 25 1.65 0.38 0.64 2.67 22 Oak View National Bank Warrenton 255,572 72.17 41 3 1.61 0.20 0.87 2.68 23 Farmers Bank of Appomattox Appomattox 236,224 64.29 72 5 1.53 0.24 0.98 2.76 24 American National Bank and Trust Company Danville 2,441,577 67.83 365 29 1.30 0.24 1.24 2.78 25 Peoples Community Bank Montross 191,820 76.23 47 5 1.39 0.30 1.12 2.80 26 Citizens Bank and Trust Company Blackstone 401,394 61.64 88 12 1.73 0.29 0.79 2.81 27 Blue Grass Valley Bank Blue Grass 43,365 76.33 11 2 1.46 0.17 1.24 2.86 28 First Sentinel Bank Richlands 282,498 58.07 73 7 1.61 0.32 0.94 2.88 29 Bank of Botetourt Buchanan 484,593 66.25 114 12 1.39 0.30 1.21 2.90 30 Virginia Partners Bank Fredericksburg 441,805 74.70 59 4 1.53 0.24 1.15 2.92 31 TruPoint Bank Grundy 449,192 72.60 120 12 1.70 0.33 0.93 2.96 32 First Community Bank Bluefield 2,202,130 53.95 521 49 1.65 0.39 0.97 3.00 33 Highlands Community Bank Covington 152,028 66.66 33 3 1.61 0.18 1.29 3.08 34 Lee Bank and Trust Company Pennington Gap 144,442 72.14 44 4 1.79 0.42 0.88 3.09 35 Highlands Union Bank Abingdon 575,264 75.41 134 14 1.55 0.32 1.21 3.09 36 First Bank Strasburg 776,668 63.31 159 14 1.78 0.43 0.91 3.13 37 Old Point National Bank of Phoebus Hampton 1,044,249 76.45 257 22 1.91 0.54 0.71 3.16 38 Bank of Clarke County Berryville 844,515 67.44 177 13 1.86 0.30 1.03 3.19 39 Powell Valley National Bank Jonesville 294,951 78.68 90 7 1.83 0.36 1.02 3.21 40 Fauquier Bank Warrenton 725,776 71.87 145 11 1.72 0.44 1.06 3.23 41 Bank of Charlotte County Phenix 139,756 67.09 32 4 1.72 0.32 1.22 3.26 42 Bank of Fincastle Fincastle 222,202 84.32 64 7 1.74 0.27 1.30 3.32 43 First National Bank Altavista 480,492 70.67 116 10 1.83 0.42 1.09 3.34 44 Bank of the James Lynchburg 708,449 74.63 155 17 1.80 0.41 1.14 3.34 45 Benchmark Community Bank Kenbridge 700,433 63.58 186 17 1.91 0.43 1.01 3.36 46 CornerStone Bank, National Association Lexington 168,718 77.21 40 4 1.84 0.36 1.21 3.40 47 Skyline National Bank Independence 694,178 70.89 207 20 1.93 0.36 1.15 3.43 48 Virginia Bank and Trust Company Danville 221,413 73.31 62 7 2.06 0.34 1.03 3.44 49 Farmers & Merchants Bank Timberville 812,397 67.28 164 15 2.01 0.28 1.16 3.45 50 Bank of Marion Marion 385,868 68.08 115 16 1.89 0.45 1.13 3.47
Source: S&P Global Market Intelligence 217 Virginia – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 Chain Bridge Bank, National Association McLean 711,313 265,508 1.40 0.00 0.00 0.00 0.00 0.00 2 Community Bankers' Bank Midlothian 140,753 90,757 1.84 0.00 0.00 0.00 0.13 0.13 3 Oak View National Bank Warrenton 255,572 211,539 0.85 0.00 0.00 0.15 0.00 0.15 4 MainStreet Bank Fairfax 1,233,593 1,003,893 0.94 0.00 0.00 0.13 0.07 0.21 5 Virginia Partners Bank Fredericksburg 441,805 349,831 1.22 0.06 0.15 0.02 0.00 0.22 6 John Marshall Bank Reston 1,512,786 1,256,497 0.83 0.03 0.00 0.18 0.03 0.25 7 American National Bank and Trust Company Danville 2,441,577 1,810,093 0.70 0.21 0.05 0.21 0.05 0.51 8 Frontier Community Bank Waynesboro 136,463 109,925 1.05 0.30 0.00 0.23 0.00 0.53 9 First Bank Strasburg 776,668 572,351 0.86 0.16 0.02 0.27 0.11 0.56 10 Sonabank Glen Allen 2,703,618 2,141,385 0.52 0.28 0.00 0.32 0.05 0.65 11 TowneBank Portsmouth 12,021,316 8,639,573 0.64 0.14 0.02 0.54 0.03 0.73 12 Fauquier Bank Warrenton 725,776 546,732 0.99 0.29 0.00 0.44 0.01 0.74 13 First National Bank Altavista 480,492 391,603 0.89 0.22 0.01 0.50 0.01 0.75 14 TruPoint Bank Grundy 449,192 309,634 0.85 0.61 0.07 0.24 (0.02) 0.90 15 Burke & Herbert Bank & Trust Company Alexandria 2,915,743 1,886,791 0.96 0.12 0.01 0.86 (0.01) 0.97 16 Farmers Bank Windsor 454,322 278,578 2.09 0.14 0.00 0.89 0.05 1.08 17 Atlantic Union Bank Richmond 17,395,748 12,379,205 0.35 0.37 0.16 0.42 0.19 1.14 18 Bank of Clarke County Berryville 844,515 635,815 0.77 0.23 0.01 0.81 0.15 1.19 19 Chesapeake Bank Kilmarnock 940,695 571,945 1.20 0.29 0.00 0.93 0.08 1.30 20 Virginia National Bank Charlottesville 660,272 522,104 0.76 0.36 0.04 0.50 0.42 1.32 21 Bank of Southside Virginia Carson 564,275 225,779 2.08 0.57 0.16 0.59 0.01 1.32 22 National Bank of Blacksburg Blacksburg 1,269,318 724,620 1.00 0.24 0.03 1.01 0.09 1.36 23 Essex Bank Richmond 1,422,546 1,068,480 0.80 0.22 0.12 0.98 0.07 1.39 24 New Horizon Bank, National Association Powhatan 87,665 72,146 0.84 0.75 0.06 0.50 0.09 1.40 25 Virginia Community Bank Louisa 251,496 179,761 0.86 0.43 0.00 1.01 (0.01) 1.43 26 Bank of the James Lynchburg 708,449 561,409 0.85 0.57 0.00 0.79 0.08 1.44 27 FVCbank Fairfax 1,562,085 1,243,405 0.81 0.36 0.06 1.09 0.06 1.57 28 Touchstone Bank Prince George 471,623 349,727 0.64 0.70 0.05 0.76 0.07 1.59 29 Farmers & Merchants Bank of Craig County New Castle 60,976 32,565 1.28 1.42 0.06 0.00 0.16 1.64 30 First Bank and Trust Company Lebanon 1,927,606 1,574,942 1.13 0.34 0.67 0.63 0.02 1.66 31 Old Point National Bank of Phoebus Hampton 1,044,249 742,388 1.43 0.26 0.03 1.19 0.21 1.69 32 Select Bank Forest 244,034 212,987 0.59 1.03 0.00 0.69 0.00 1.72 33 Virginia Bank and Trust Company Danville 221,413 145,860 0.75 0.17 0.03 1.36 0.21 1.77 34 Old Dominion National Bank North Garden 356,294 309,237 1.15 1.10 0.12 0.53 0.07 1.82 35 Skyline National Bank Independence 694,178 562,210 0.71 0.11 0.00 1.76 0.04 1.91 36 United Bank Vienna 19,734,513 14,045,621 0.55 0.65 0.07 1.05 0.15 1.92 37 Virginia Commonwealth Bank Richmond 1,107,558 932,300 0.80 0.23 0.00 1.53 0.17 1.93 38 Blue Ridge Bank, National Association Martinsville 735,300 541,772 0.81 0.73 0.13 0.95 0.18 1.99 39 First Community Bank Bluefield 2,202,130 1,693,932 1.09 0.44 0.01 1.51 0.24 2.20 40 Freedom Bank of Virginia Fairfax 507,387 420,292 1.07 1.45 0.14 0.52 0.10 2.21 41 Bank of Charlotte County Phenix 139,756 105,335 1.23 0.91 0.47 1.07 0.05 2.50 42 Village Bank Midlothian 557,386 437,250 0.71 0.17 0.00 2.42 0.01 2.60 43 Benchmark Community Bank Kenbridge 700,433 551,106 0.99 1.31 0.21 1.06 0.09 2.67 44 Carter Bank & Trust Martinsville 4,020,076 2,924,215 1.38 0.21 0.00 2.40 0.15 2.76 45 Citizens and Farmers Bank Toano 1,605,691 1,177,097 2.82 1.23 0.06 0.58 0.98 2.86 46 Pioneer Bank Stanley 220,090 183,738 1.21 1.00 0.22 1.63 0.10 2.95 47 First Sentinel Bank Richlands 282,498 229,183 1.06 1.03 0.00 1.36 0.77 3.15 48 Farmers and Miners Bank Pennington Gap 133,810 63,121 1.99 1.71 0.16 1.06 0.25 3.17 49 New Peoples Bank, Inc. Honaker 705,752 558,745 0.92 0.72 0.00 2.19 0.27 3.18 50 Farmers & Merchants Bank Timberville 812,397 712,692 1.26 0.95 0.04 1.48 0.80 3.27
Source: S&P Global Market Intelligence 218 Virginia – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Capital One Bank (USA), National Association Glen Allen 120,248,178 3,304,091 26,930 123 1,885,291 2,169,412 2.80 19.52 2 First Bank Strasburg 776,668 10,227 159 64 10,042 7,536 1.33 13.86 3 Benchmark Community Bank Kenbridge 700,433 9,762 186 52 7,310 7,040 1.45 13.58 4 First Sentinel Bank Richlands 282,498 3,146 73 43 2,505 2,209 1.17 13.14 5 First Bank and Trust Company Lebanon 1,927,606 27,517 381 72 24,039 22,955 1.49 12.96 6 First Community Bank Bluefield 2,202,130 39,534 521 76 29,927 27,326 1.78 12.65 7 Chesapeake Bank Kilmarnock 940,695 12,108 210 58 11,695 8,914 1.37 12.34 8 First National Bank Altavista 480,492 5,144 116 44 3,396 3,260 1.08 12.08 9 Blue Ridge Bank, National Association Martinsville 735,300 6,348 178 36 4,660 3,670 1.04 11.65 10 Citizens and Farmers Bank Toano 1,605,691 20,380 624 33 12,912 14,035 1.33 11.58 11 Fauquier Bank Warrenton 725,776 7,394 145 51 4,538 4,276 1.06 11.26 12 MainStreet Bank Fairfax 1,233,593 14,903 122 122 6,856 4,850 1.31 10.88 13 Virginia National Bank Charlottesville 660,272 7,802 89 88 8,330 7,147 1.21 10.87 14 Essex Bank Richmond 1,422,546 15,542 248 63 10,118 10,925 1.11 10.77 15 Bank of Clarke County Berryville 844,515 9,252 177 52 8,732 7,973 1.15 10.72 16 Farmers Bank Windsor 454,322 5,803 114 51 4,391 5,029 1.26 10.68 17 Bank of Marion Marion 385,868 4,724 115 41 3,814 2,575 1.24 10.52 18 Virginia Community Bank Louisa 251,496 2,650 56 47 2,460 2,120 1.07 10.42 19 Citizens Bank and Trust Company Blackstone 401,394 5,350 88 61 4,695 3,966 1.35 10.37 20 Bank of Botetourt Buchanan 484,593 4,577 114 40 4,138 2,069 1.02 9.88 21 National Bank of Blacksburg Blacksburg 1,269,318 17,843 230 78 15,348 14,899 1.43 9.73 22 Village Bank Midlothian 557,386 4,770 147 32 (184) 1,785 0.91 9.66 23 Bank of the James Lynchburg 708,449 5,945 155 38 4,594 3,138 0.87 9.63 24 Pioneer Bank Stanley 220,090 2,313 64 36 1,878 2,021 1.09 9.34 24 John Marshall Bank Reston 1,512,786 15,880 131 121 11,548 10,910 1.12 9.34 26 FVCbank Fairfax 1,562,085 16,157 128 126 12,786 10,089 1.15 9.19 27 TruPoint Bank Grundy 449,192 3,770 120 31 575 874 0.86 9.09 28 Bank of Southside Virginia Carson 564,275 9,210 75 123 8,493 7,568 1.64 9.06 29 Farmers and Miners Bank Pennington Gap 133,810 1,687 56 30 1,126 1,083 1.25 8.98 30 TowneBank Portsmouth 12,021,316 139,697 2,417 58 110,136 94,326 1.22 8.97 31 Oak View National Bank Warrenton 255,572 2,013 41 49 1,273 1,099 0.82 8.91 32 Sonabank Glen Allen 2,703,618 35,241 338 104 28,314 9,306 1.29 8.76 33 Highlands Community Bank Covington 152,028 1,635 33 50 1,550 1,596 1.12 8.46 34 Skyline National Bank Independence 694,178 6,302 207 30 3,746 2,578 0.93 8.34 35 Chain Bridge Bank, National Association McLean 711,313 4,279 55 78 4,730 3,123 0.69 8.24 36 Farmers Bank of Appomattox Appomattox 236,224 2,609 72 36 2,435 1,987 1.12 8.17 37 Burke & Herbert Bank & Trust Company Alexandria 2,915,743 28,400 472 60 27,686 28,899 0.96 8.08 38 Bank of Charlotte County Phenix 139,756 1,709 32 53 1,911 1,630 1.23 8.03 39 Virginia Bank and Trust Company Danville 221,413 1,884 62 30 1,154 1,582 0.93 8.01 40 Atlantic Union Bank Richmond 17,395,748 202,487 1,946 104 131,092 88,961 1.28 7.99 41 American National Bank and Trust Company Danville 2,441,577 21,411 365 59 20,532 18,235 1.00 7.77 42 United Bank Vienna 19,734,513 269,596 2,171 124 264,907 123,749 1.39 7.70 43 Select Bank Forest 244,034 1,550 39 40 1,461 1,577 0.69 7.45 44 VCC Bank Richmond 214,190 1,596 26 61 1,105 732 0.81 7.34 45 Frontier Community Bank Waynesboro 136,463 944 20 47 603 414 0.73 7.21 46 Old Point National Bank of Phoebus Hampton 1,044,249 7,142 257 28 1,447 3,775 0.69 7.17 47 CornerStone Bank, National Association Lexington 168,718 1,109 40 28 988 1,045 0.71 6.65 48 Virginia Commonwealth Bank Richmond 1,107,558 7,620 153 50 2,296 2,985 0.70 6.58 49 Farmers & Merchants Bank of Craig County New Castle 60,976 776 15 52 673 544 1.28 6.51 50 Virginia Partners Bank Fredericksburg 441,805 2,888 59 49 1,312 1,600 0.68 6.44
Source: S&P Global Market Intelligence 219 Virginia – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 First Bank Strasburg 776,668 23 13 36 9 2 16.6 2 First Community Bank Bluefield 2,202,130 7 10 32 39 6 18.8 3 First National Bank Altavista 480,492 26 17 43 13 8 21.4 4 First Bank and Trust Company Lebanon 1,927,606 30 29 14 30 5 21.6 5 Bank of Clarke County Berryville 844,515 25 20 38 18 15 23.2 6 Benchmark Community Bank Kenbridge 700,433 11 15 45 43 3 23.4 6 Bank of Southside Virginia Carson 564,275 30 23 15 21 28 23.4 8 Fauquier Bank Warrenton 725,776 37 18 40 12 11 23.6 9 Virginia National Bank Charlottesville 660,272 45 24 17 20 13 23.8 9 Chesapeake Bank Kilmarnock 940,695 23 4 66 19 7 23.8 9 MainStreet Bank Fairfax 1,233,593 49 46 8 4 12 23.8 12 First Sentinel Bank Richlands 282,498 9 38 28 47 4 25.2 13 Citizens and Farmers Bank Toano 1,605,691 2 7 67 45 10 26.2 14 Farmers Bank Windsor 454,322 43 8 52 16 16 27.0 14 Atlantic Union Bank Richmond 17,395,748 39 27 12 17 40 27.0 16 Capital One Bank (USA), National Association Glen Allen 120,248,178 1 2 68 65 1 27.4 17 Virginia Community Bank Louisa 251,496 5 40 51 25 18 27.8 18 National Bank of Blacksburg Blacksburg 1,269,318 62 31 5 22 21 28.2 19 Citizens Bank and Trust Company Blackstone 401,394 28 19 26 51 19 28.6 19 Essex Bank Richmond 1,422,546 36 51 19 23 14 28.6 21 Bank of the James Lynchburg 708,449 32 21 44 26 23 29.2 22 Sonabank Glen Allen 2,703,618 47 54 4 10 32 29.4 23 American National Bank and Trust Company Danville 2,441,577 42 34 24 7 41 29.6 24 TruPoint Bank Grundy 449,192 56 26 31 14 27 30.8 25 TowneBank Portsmouth 12,021,316 52 5 57 11 30 31.0 25 John Marshall Bank Reston 1,512,786 50 69 6 6 24 31.0 27 Bank of Marion Marion 385,868 16 14 50 59 17 31.2 28 Skyline National Bank Independence 694,178 10 33 47 35 34 31.8 29 Blue Ridge Bank, National Association Martinsville 735,300 48 3 64 38 9 32.4 30 Village Bank Midlothian 557,386 29 11 59 42 22 32.6 31 Oak View National Bank Warrenton 255,572 55 53 22 3 31 32.8 32 Pioneer Bank Stanley 220,090 6 35 55 46 24 33.2 33 United Bank Vienna 19,734,513 57 30 2 36 42 33.4 34 Bank of Botetourt Buchanan 484,593 33 28 29 58 20 33.6 35 FVCbank Fairfax 1,562,085 44 65 7 27 26 33.8 36 Farmers and Miners Bank Pennington Gap 133,810 4 31 60 48 29 34.4 37 Burke & Herbert Bank & Trust Company Alexandria 2,915,743 60 42 21 15 37 35.0 37 Chain Bridge Bank, National Association McLean 711,313 68 68 3 1 35 35.0 39 Virginia Bank and Trust Company Danville 221,413 14 43 48 33 39 35.4 40 Farmers & Merchants Bank Timberville 812,397 12 16 49 50 52 35.8 41 Farmers & Merchants Bank of Craig County New Castle 60,976 17 65 20 29 49 36.0 41 Farmers Bank of Appomattox Appomattox 236,224 21 46 23 54 36 36.0 43 Virginia Partners Bank Fredericksburg 441,805 58 38 30 5 50 36.2 44 Bank of Charlotte County Phenix 139,756 8 54 41 41 38 36.4 45 Old Point National Bank of Phoebus Hampton 1,044,249 46 24 37 31 46 36.8 46 Highlands Community Bank Covington 152,028 17 50 33 56 33 37.8 46 Touchstone Bank Prince George 471,623 17 35 53 28 56 37.8 46 Frontier Community Bank Waynesboro 136,463 63 60 13 8 45 37.8 49 Community Bankers' Bank Midlothian 140,753 64 9 61 2 64 40.0 50 New Peoples Bank, Inc. Honaker 705,752 26 12 62 49 59 41.6
Source: S&P Global Market Intelligence 220 Rank The Banks West Virginia – 2019 Q3 WestWest VirginiaVirginia - Bank – Bank Listing Listing
Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%) Bank of Charles Town Charles Town Potomac Bancshares, Inc. 4/4/1871 9 121 No 504,916 0.65 6.38 Bank of Mingo Williamson 5/17/1976 5 38 No 84,405 0.38 3.65 Bank of Monroe Union Union Bankshares, Inc. 1/28/1904 3 36 No 144,956 1.27 9.23 Bank of Romney Romney Romney Bankshares, Inc. 12/20/1888 7 73 No 306,404 1.08 10.61 BCBank, Inc. Philippi Appalachian Financial Corporation 6/2/1970 5 36 No 142,158 0.43 4.70 Calhoun County Bank, Inc. Grantsville Calhoun Bankshares, Inc. 1/1/1901 4 42 No 154,494 0.70 7.02 Capon Valley Bank Wardensville Highlands Bankshares, Inc. 7/30/1918 5 48 No 160,675 0.53 4.70 Citizens Bank of Morgantown, Inc. Morgantown Morgantown Bancshares, Inc. 9/20/1979 1 9 No 38,395 0.73 4.04 Citizens Bank of West Virginia, Inc. Elkins Citizens Financial Corp. 1/22/1924 6 72 No 282,573 1.16 11.50 Citizens Bank of Weston, Inc. Weston Citizens Bancshares, Inc. 2/8/1892 2 36 No 204,587 1.79 16.29 City National Bank of West Virginia Charleston City Holding Company 4/1/1957 95 920 No 4,892,949 1.68 14.58 Clay County Bank, Inc. Clay First Clay County Banc Corporation 6/4/1902 2 23 No 95,669 1.33 9.21 Clear Mountain Bank Bruceton Mills State Bancorp, Inc. 1/1/1931 13 156 No 653,493 1.34 11.33 CNB Bank, Inc. Berkeley Springs CNB Financial Services, Inc. 1/1/1917 9 105 No 412,662 0.79 9.21 Community Bank of Parkersburg Parkersburg Community Bankshares, Inc. 7/17/1917 4 61 Yes 253,268 0.98 8.97 Cornerstone Bank, Inc. West Union Cornerstone Financial Services, Inc. 1/1/1902 4 29 No 191,901 0.95 9.31 Davis Trust Company Elkins Davis Trust Financial Corporation 6/17/1901 2 47 No 146,355 0.88 8.85 Fayette County National Bank of Fayetteville Fayetteville FCNB Bancorp, Inc. 8/6/1900 3 31 No 94,224 1.12 8.88 First Exchange Bank Mannington Heritage Bancshares, Inc. 6/27/1932 7 64 Yes 289,282 0.87 10.48 First Federal Savings and Loan Association of Ravenswood Ravenswood 1/1/1934 1 4 No 25,195 0.61 7.15 First National Bank of Peterstown Peterstown Peterstown Bancorp, Inc. 1/27/1910 2 15 No 67,726 0.59 4.87 First National Bank of Williamson Williamson 6/11/1903 3 34 Yes 85,205 0.65 6.05 First FS&LA of Ravenswood Spencer West-Central Bancorp, Inc. 2/8/1912 4 37 No 140,632 0.51 4.45 First State Bank Barboursville First Bankshares, Inc. 9/2/1905 5 61 No 157,725 (3.69) (131.57) FNB Bank, Inc. Romney Eastern Bancshares, Inc. 6/11/1910 5 56 No 200,700 0.97 9.45 Freedom Bank, Inc. Belington Freedom Bancshares, Inc. 5/10/1939 5 54 No 167,538 0.88 8.32 Grant County Bank Petersburg Highlands Bankshares, Inc. 8/15/1902 7 74 No 257,885 1.00 7.74 Hancock County Savings Bank, FSB Chester 1/1/1900 3 72 No 373,534 0.90 4.95 Harrison County Bank Lost Creek Harrison Bankshares, Inc. 2/1/1911 4 30 No 114,863 0.98 9.43 Huntington Federal Savings Bank Huntington 1/1/1934 5 95 No 537,549 0.23 1.37 Jefferson Security Bank Shepherdstown 5/19/1869 6 74 No 320,445 0.91 11.45 Logan Bank & Trust Company Logan Logan County Bancshares, Inc. 11/24/1964 6 57 No 268,249 0.97 10.86 Main Street Bank Corp. Wheeling Main Street Financial Services Corp 6/20/2001 4 75 No 455,629 1.10 11.60 MCNB Bank and Trust Co. Welch MCNB Banks, Inc. 7/1/1900 7 70 No 297,796 0.75 6.89 Miners and Merchants Bank Thomas 6/10/1902 3 20 No 54,084 0.28 1.71 Mountain Valley Bank, N.A. Elkins Mountain-Valley Bancshares, Inc. 1/1/1909 4 42 No 145,487 1.15 8.72 MVB Bank, Inc. Fairmont MVB Financial Corp. 1/4/1999 15 375 No 1,958,277 1.76 16.19 Pendleton Community Bank, Inc. Franklin Allegheny Bancshares, Inc. 10/3/1925 9 89 No 339,345 1.21 9.52 Pioneer Community Bank, Inc. Iaeger Pioneer Community Group, Inc. 8/26/1931 5 48 No 113,542 0.38 2.62 Pleasants County Bank Saint Marys Pleasants County Bankshares, Inc. 12/21/1896 2 15 No 64,720 0.66 6.21 Poca Valley Bank, Inc. Walton Poca Valley Bankshares, Inc. 9/24/1908 7 105 No 376,170 0.74 7.79 Premier Bank, Inc. Huntington Premier Financial Bancorp, Inc. 6/27/1998 33 236 No 1,227,856 1.64 12.10 Putnam County Bank Hurricane Putnam Bancshares, Inc. 10/25/1901 3 70 No 595,137 0.86 5.75 Summit Community Bank, Inc. Moorefield Summit Financial Group, Inc. 12/11/1995 34 349 No 2,321,705 1.38 12.77 Union Bank, Inc. Middlebourne Hometown Bancshares, Inc. 7/5/1947 8 73 Yes 266,413 1.28 10.93 WesBanco Bank, Inc. Wheeling WesBanco, Inc. 4/3/1870 201 2,293 No 12,560,346 1.39 8.56 West Union Bank West Union Tri-County Bancorp, Inc. 4/1/1893 5 49 No 191,285 1.08 12.75 Whitesville State Bank Whitesville Big Coal River Bancorp, Inc. 6/1/1946 4 36 No 109,963 0.62 6.06 Williamstown Bank, Inc. Williamstown 12/1/1919 2 40 No 166,861 1.04 8.32
Source: S&P Global Market Intelligence 222 West Virginia – Total Asset Ranking
Number Total Deposits Assets Deposits Assets Total Total of Deposits ($000)/ ($000)/ ($000)/ ($000)/ Assets Rank Company Name City Employees Offices ($000) Office Office Employee Employee ($000) 1 WesBanco Bank, Inc. Wheeling 2,293 201 8,664,750 43,108 62,489 3,779 5,478 12,560,346 2 City National Bank of West Virginia Charleston 920 95 4,039,577 42,522 51,505 4,391 5,318 4,892,949 3 Summit Community Bank, Inc. Moorefield 349 34 1,834,154 53,946 68,285 5,255 6,652 2,321,705 4 MVB Bank, Inc. Fairmont 375 15 1,458,766 97,251 130,552 3,890 5,222 1,958,277 5 Premier Bank, Inc. Huntington 236 33 1,024,613 31,049 37,208 4,342 5,203 1,227,856 6 Clear Mountain Bank Bruceton Mills 156 13 569,779 43,829 50,269 3,652 4,189 653,493 7 Putnam County Bank Hurricane 70 3 499,212 166,404 198,379 7,132 8,502 595,137 8 Huntington Federal Savings Bank Huntington 95 5 446,787 89,357 107,510 4,703 5,658 537,549 9 Bank of Charles Town Charles Town 121 9 440,763 48,974 56,102 3,643 4,173 504,916 10 Main Street Bank Corp. Wheeling 75 4 372,930 93,233 113,907 4,972 6,075 455,629 11 CNB Bank, Inc. Berkeley Springs 105 9 356,566 39,618 45,851 3,396 3,930 412,662 12 Poca Valley Bank, Inc. Walton 105 7 328,002 46,857 53,739 3,124 3,583 376,170 13 Hancock County Savings Bank, FSB Chester 72 3 287,169 95,723 124,511 3,988 5,188 373,534 14 Pendleton Community Bank, Inc. Franklin 89 9 278,533 30,948 37,705 3,130 3,813 339,345 15 Jefferson Security Bank Shepherdstown 74 6 287,656 47,943 53,408 3,887 4,330 320,445 16 Bank of Romney Romney 73 7 222,082 31,726 43,772 3,042 4,197 306,404 17 MCNB Bank and Trust Co. Welch 70 7 251,969 35,996 42,542 3,600 4,254 297,796 18 First Exchange Bank Mannington 64 7 220,502 31,500 41,326 3,445 4,520 289,282 19 Citizens Bank of West Virginia, Inc. Elkins 72 6 234,817 39,136 47,096 3,261 3,925 282,573 20 Logan Bank & Trust Company Logan 57 6 238,895 39,816 44,708 4,191 4,706 268,249 21 Union Bank, Inc. Middlebourne 73 8 230,138 28,767 33,302 3,153 3,649 266,413 22 Grant County Bank Petersburg 74 7 213,670 30,524 36,841 2,887 3,485 257,885 23 Community Bank of Parkersburg Parkersburg 61 4 185,401 46,350 63,317 3,039 4,152 253,268 24 Citizens Bank of Weston, Inc. Weston 36 2 178,017 89,009 102,294 4,945 5,683 204,587 25 FNB Bank, Inc. Romney 56 5 157,567 31,513 40,140 2,814 3,584 200,700 26 Cornerstone Bank, Inc. West Union 29 4 169,828 42,457 47,975 5,856 6,617 191,901 27 West Union Bank West Union 49 5 166,059 33,212 38,257 3,389 3,904 191,285 28 Freedom Bank, Inc. Belington 54 5 144,560 28,912 33,508 2,677 3,103 167,538 29 Williamstown Bank, Inc. Williamstown 40 2 137,905 68,953 83,431 3,448 4,172 166,861 30 Capon Valley Bank Wardensville 48 5 136,682 27,336 32,135 2,848 3,347 160,675 31 First State Bank Barboursville 61 5 135,888 27,178 31,545 2,228 2,586 157,725 32 Calhoun County Bank, Inc. Grantsville 42 4 133,399 33,350 38,624 3,176 3,678 154,494 33 Davis Trust Company Elkins 47 2 129,407 64,704 73,178 2,753 3,114 146,355 34 Mountain Valley Bank, N.A. Elkins 42 4 122,974 30,744 36,372 2,928 3,464 145,487 35 Bank of Monroe Union 36 3 123,215 41,072 48,319 3,423 4,027 144,956 36 BCBank, Inc. Philippi 36 5 117,578 23,516 28,432 3,266 3,949 142,158 37 First Neighborhood Bank Spencer 37 4 123,505 30,876 35,158 3,338 3,801 140,632 38 Harrison County Bank Lost Creek 30 4 100,883 25,221 28,716 3,363 3,829 114,863 39 Pioneer Community Bank, Inc. Iaeger 48 5 95,920 19,184 22,708 1,998 2,365 113,542 40 Whitesville State Bank Whitesville 36 4 98,575 24,644 27,491 2,738 3,055 109,963 41 Clay County Bank, Inc. Clay 23 2 80,678 40,339 47,835 3,508 4,160 95,669 42 Fayette County National Bank of Fayetteville Fayetteville 31 3 81,645 27,215 31,408 2,634 3,039 94,224 43 First National Bank of Williamson Williamson 34 3 75,550 25,183 28,402 2,222 2,506 85,205 44 Bank of Mingo Williamson 38 5 74,207 14,841 16,881 1,953 2,221 84,405 45 First National Bank of Peterstown Peterstown 15 2 59,177 29,589 33,863 3,945 4,515 67,726 46 Pleasants County Bank Saint Marys 15 2 56,752 28,376 32,360 3,783 4,315 64,720 47 Miners and Merchants Bank Thomas 20 3 45,025 15,008 18,028 2,251 2,704 54,084 48 Citizens Bank of Morgantown, Inc. Morgantown 9 1 25,313 25,313 38,395 2,813 4,266 38,395 49 First Federal Savings and Loan Association of Ravenswood Ravenswood 4 1 22,930 22,930 25,195 5,733 6,299 25,195
Source: S&P Global Market Intelligence 223 West Virginia – Net Interest Margin Ranking
Yield Loan Cost Deposit Yield on Net Total on Growth of Growth Loans/ Investment Interest Assets Loans Rate Funds Rate Deposits Securities (FTE) Margin Rank Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 Pioneer Community Bank, Inc. Iaeger 113,542 5.65 (3.04) 0.41 5.34 87.62 2.80 4.84 2 Davis Trust Company Elkins 146,355 5.59 11.83 0.27 2.27 74.60 3.08 4.72 3 Citizens Bank of Morgantown, Inc. Morgantown 38,395 6.30 10.92 0.84 4.95 96.76 3.89 4.65 4 Capon Valley Bank Wardensville 160,675 5.85 3.26 0.96 4.96 96.68 2.17 4.60 5 Grant County Bank Petersburg 257,885 5.54 (1.86) 0.77 (0.35) 97.22 2.64 4.55 6 First National Bank of Williamson Williamson 85,205 6.00 18.50 0.81 11.72 80.80 3.69 4.45 7 Williamstown Bank, Inc. Williamstown 166,861 5.21 3.18 0.59 (2.63) 100.22 4.09 4.41 8 Premier Bank, Inc. Huntington 1,227,856 5.69 13.69 0.47 8.10 84.43 2.73 4.40 9 Poca Valley Bank, Inc. Walton 376,170 5.54 9.41 0.65 5.28 87.89 3.79 4.37 9 Pendleton Community Bank, Inc. Franklin 339,345 5.57 9.25 0.82 4.36 93.10 3.16 4.37 11 Fayette County National Bank of Fayetteville Fayetteville 94,224 5.68 1.18 0.45 (3.00) 77.48 2.50 4.30 12 Calhoun County Bank, Inc. Grantsville 154,494 5.48 10.66 0.74 12.28 93.25 2.18 4.29 13 Bank of Mingo Williamson 84,405 6.11 29.28 0.92 5.78 88.25 2.11 4.26 13 Citizens Bank of West Virginia, Inc. Elkins 282,573 5.41 4.39 0.77 5.45 97.37 2.59 4.26 15 Mountain Valley Bank, N.A. Elkins 145,487 5.75 (0.21) 0.29 4.85 74.91 2.12 4.23 16 Citizens Bank of Weston, Inc. Weston 204,587 5.87 (1.84) 0.53 4.62 69.96 2.41 4.17 17 Clay County Bank, Inc. Clay 95,669 6.46 1.96 0.75 0.10 67.01 2.89 4.14 18 Clear Mountain Bank Bruceton Mills 653,493 5.45 1.52 0.69 8.87 83.57 2.84 4.06 18 First Exchange Bank Mannington 289,282 5.22 14.94 1.00 6.65 114.52 2.67 4.06 20 Bank of Monroe Union 144,956 5.73 8.70 0.48 0.68 71.18 2.60 4.01 21 Main Street Bank Corp. Wheeling 455,629 5.42 0.64 1.07 0.81 102.17 2.13 4.00 21 Community Bank of Parkersburg Parkersburg 253,268 5.02 7.92 0.79 5.82 113.94 2.49 4.00 21 Freedom Bank, Inc. Belington 167,538 4.67 0.09 0.40 7.60 90.40 2.69 4.00 24 Whitesville State Bank Whitesville 109,963 6.92 (5.27) 0.96 8.07 53.56 2.76 3.96 25 FNB Bank, Inc. Romney 200,700 5.47 7.86 1.10 3.57 93.24 3.36 3.93 26 First National Bank of Peterstown Peterstown 67,726 4.84 8.50 0.39 9.53 76.60 1.90 3.79 26 Union Bank, Inc. Middlebourne 266,413 5.46 6.05 0.22 0.15 50.80 2.87 3.79 28 BCBank, Inc. Philippi 142,158 5.45 7.92 0.99 6.95 87.67 2.50 3.78 29 MCNB Bank and Trust Co. Welch 297,796 5.52 10.27 1.09 0.07 84.22 2.75 3.71 30 Pleasants County Bank Saint Marys 64,720 5.28 (3.55) 0.33 (1.61) 62.54 1.55 3.70 31 Bank of Romney Romney 306,404 5.44 4.42 1.13 5.65 98.16 2.36 3.69 32 WesBanco Bank, Inc. Wheeling 12,560,346 5.01 (0.05) 0.61 (3.11) 89.81 2.96 3.67 33 Summit Community Bank, Inc. Moorefield 2,321,705 5.43 12.57 1.47 10.68 101.02 3.37 3.65 34 First Neighborhood Bank Spencer 140,632 4.67 (7.04) 0.53 5.55 75.34 2.34 3.63 34 West Union Bank West Union 191,285 5.23 3.81 0.38 0.17 58.08 2.86 3.63 36 City National Bank of West Virginia Charleston 4,892,949 4.78 13.85 0.85 16.53 88.65 3.12 3.61 37 Harrison County Bank Lost Creek 114,863 5.50 5.72 0.36 0.60 56.78 2.53 3.60 38 MVB Bank, Inc. Fairmont 1,958,277 5.19 13.39 1.35 5.50 105.73 3.25 3.55 39 Hancock County Savings Bank, FSB Chester 373,534 4.40 3.79 0.65 2.63 105.40 2.55 3.52 40 CNB Bank, Inc. Berkeley Springs 412,662 4.64 5.25 0.93 12.86 88.43 2.83 3.40 41 First State Bank Barboursville 157,725 5.47 (11.11) 1.22 2.48 70.71 1.92 3.38 41 Bank of Charles Town Charles Town 504,916 4.58 12.23 0.76 5.72 91.50 2.54 3.38 43 Jefferson Security Bank Shepherdstown 320,445 4.85 9.11 0.66 7.71 74.92 2.56 3.37 44 First Federal Savings and Loan Association of Ravenswood Ravenswood 25,195 5.09 14.17 1.76 37.80 92.81 5.00 3.16 45 Logan Bank & Trust Company Logan 268,249 5.19 3.45 0.38 1.88 45.81 2.16 3.03 46 Putnam County Bank Hurricane 595,137 5.13 (3.13) 1.09 (3.64) 68.64 2.33 2.98 47 Miners and Merchants Bank Thomas 54,084 5.57 (2.92) 0.47 (4.51) 34.93 2.27 2.88 48 Huntington Federal Savings Bank Huntington 537,549 4.14 1.39 1.34 0.17 50.04 2.67 2.14 49 Cornerstone Bank, Inc. West Union 191,901 4.90 14.26 0.24 9.64 25.42 2.87 1.95
Source: S&P Global Market Intelligence 224 West Virginia – Noninterest Income Ranking
Service Charges Gain on Sale Net Net Gains Total NonInterest Total Net on Deposits/ of Loans/ Servicing Fees/ on OREO/ Noninterest Income/ Assets Income Avg Assets Avg Assets Avg Assets Avg Assets Income Avg Assets Rank Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 MVB Bank, Inc. Fairmont 1,958,277 31,701 0.07 1.97 0.03 0.01 44,300 2.47 2 First National Bank of Williamson Williamson 85,205 717 0.88 0.00 0.00 (0.05) 1,283 1.56 3 First State Bank Barboursville 157,725 (5,780) 0.16 0.38 0.02 0.00 2,297 1.47 4 City National Bank of West Virginia Charleston 4,892,949 79,895 0.63 0.01 0.00 (0.01) 66,875 1.41 5 Poca Valley Bank, Inc. Walton 376,170 2,694 0.33 0.00 0.00 (0.02) 4,301 1.18 6 Clear Mountain Bank Bruceton Mills 653,493 8,339 0.39 0.16 0.01 0.00 6,916 1.11 7 Whitesville State Bank Whitesville 109,963 630 0.72 0.00 0.00 (0.24) 1,110 1.08 8 Freedom Bank, Inc. Belington 167,538 1,424 0.30 0.01 0.00 (0.13) 1,694 1.04 8 Bank of Charles Town Charles Town 504,916 3,180 0.24 0.14 0.00 0.00 5,139 1.04 10 Bank of Monroe Union 144,956 1,819 0.23 0.00 0.00 0.01 1,449 1.02 11 CNB Bank, Inc. Berkeley Springs 412,662 3,149 0.40 0.09 0.00 0.00 3,833 0.97 12 MCNB Bank and Trust Co. Welch 297,796 2,222 0.24 0.03 0.06 (0.18) 2,682 0.90 12 Bank of Mingo Williamson 84,405 313 0.43 0.00 0.00 0.00 747 0.90 14 WesBanco Bank, Inc. Wheeling 12,560,346 173,624 0.21 0.06 0.00 0.00 100,251 0.80 14 Davis Trust Company Elkins 146,355 1,282 0.22 0.00 0.00 (0.07) 1,159 0.80 16 Pendleton Community Bank, Inc. Franklin 339,345 3,803 0.38 0.00 0.00 (0.02) 2,477 0.79 17 Citizens Bank of West Virginia, Inc. Elkins 282,573 3,156 0.21 0.06 0.00 (0.11) 2,070 0.76 18 Community Bank of Parkersburg Parkersburg 253,268 3,218 0.20 0.00 0.00 0.00 1,833 0.74 18 Capon Valley Bank Wardensville 160,675 823 0.38 0.00 0.00 (0.06) 1,162 0.74 20 Clay County Bank, Inc. Clay 95,669 1,263 0.31 0.00 0.00 0.00 676 0.71 21 BCBank, Inc. Philippi 142,158 594 0.28 0.00 0.01 0.00 909 0.66 22 Pioneer Community Bank, Inc. Iaeger 113,542 432 0.41 0.00 0.00 (0.13) 735 0.65 22 Harrison County Bank Lost Creek 114,863 1,104 0.18 0.00 0.00 0.00 725 0.65 24 Jefferson Security Bank Shepherdstown 320,445 2,834 0.22 0.00 0.00 0.01 1,904 0.61 25 First National Bank of Peterstown Peterstown 67,726 385 0.08 0.00 0.00 0.00 378 0.58 26 Bank of Romney Romney 306,404 3,162 0.42 0.00 0.00 (0.01) 1,671 0.57 27 Calhoun County Bank, Inc. Grantsville 154,494 1,015 0.21 0.00 0.00 (0.02) 823 0.56 28 West Union Bank West Union 191,285 2,057 0.23 0.00 0.00 0.00 1,039 0.55 29 First Exchange Bank Mannington 289,282 3,200 0.26 0.00 0.00 0.00 1,492 0.54 30 Logan Bank & Trust Company Logan 268,249 2,550 0.19 0.00 0.00 (0.04) 1,401 0.53 30 Mountain Valley Bank, N.A. Elkins 145,487 1,629 0.22 0.00 0.00 0.00 756 0.53 32 Summit Community Bank, Inc. Moorefield 2,321,705 30,945 0.22 0.03 0.00 (0.10) 10,795 0.48 32 FNB Bank, Inc. Romney 200,700 1,887 0.28 0.00 0.00 (0.14) 927 0.48 32 First Neighborhood Bank Spencer 140,632 688 0.23 0.00 0.00 0.00 644 0.48 32 Fayette County National Bank of Fayetteville Fayetteville 94,224 1,020 0.14 0.00 0.00 (0.01) 440 0.48 36 Williamstown Bank, Inc. Williamstown 166,861 1,697 0.16 0.00 0.00 0.00 764 0.47 37 Grant County Bank Petersburg 257,885 2,581 0.27 0.00 0.00 (0.08) 1,134 0.44 38 Premier Bank, Inc. Huntington 1,227,856 20,336 0.25 0.01 0.00 (0.04) 5,326 0.43 38 Citizens Bank of Weston, Inc. Weston 204,587 3,602 0.15 0.00 0.00 0.00 863 0.43 40 Miners and Merchants Bank Thomas 54,084 153 0.21 0.00 0.00 (0.04) 223 0.40 41 Hancock County Savings Bank, FSB Chester 373,534 3,362 0.13 0.00 0.00 0.01 1,468 0.39 41 Union Bank, Inc. Middlebourne 266,413 4,423 0.07 0.00 0.01 0.00 998 0.39 43 Pleasants County Bank Saint Marys 64,720 434 0.06 0.00 0.00 0.00 251 0.38 44 Cornerstone Bank, Inc. West Union 191,901 1,650 0.06 0.00 0.00 0.00 480 0.28 45 Citizens Bank of Morgantown, Inc. Morgantown 38,395 278 0.04 0.00 0.00 0.00 92 0.24 46 Main Street Bank Corp. Wheeling 455,629 4,973 0.03 0.00 0.00 (0.02) 303 0.07 47 First Federal Savings and Loan Association of Ravenswood Ravenswood 25,195 143 0.00 0.00 0.00 0.00 8 0.03 48 Huntington Federal Savings Bank Huntington 537,549 1,204 0.03 0.00 0.00 (0.03) 29 0.01 49 Putnam County Bank Hurricane 595,137 5,085 0.01 0.00 0.00 (0.13) -313 -0.05
Source: S&P Global Market Intelligence 225 West Virginia – Total Overhead Ranking
Efficiency Personnel Occupancy Other Total Total Ratio Number Expense/ Expense/ Expense/ Overhead/ Assets (FTE) Total of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Rank Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Putnam County Bank Hurricane 595,137 58.02 70 3 1.03 0.08 0.57 1.68 2 Huntington Federal Savings Bank Huntington 537,549 86.26 95 5 1.11 0.17 0.53 1.80 3 Cornerstone Bank, Inc. West Union 191,901 58.72 29 4 1.03 0.21 0.59 1.83 4 Citizens Bank of Weston, Inc. Weston 204,587 46.74 36 2 1.00 0.23 0.82 2.05 5 Summit Community Bank, Inc. Moorefield 2,321,705 53.15 349 34 1.11 0.36 0.63 2.10 6 Union Bank, Inc. Middlebourne 266,413 53.70 73 8 1.14 0.29 0.71 2.15 7 WesBanco Bank, Inc. Wheeling 12,560,346 52.91 2,293 201 1.27 0.32 0.56 2.15 8 Logan Bank & Trust Company Logan 268,249 62.01 57 6 1.15 0.21 0.81 2.17 9 Premier Bank, Inc. Huntington 1,227,856 48.47 236 33 1.00 0.39 0.80 2.20 10 First Federal Savings and Loan Association of Ravenswood Ravenswood 25,195 74.83 4 1 1.38 0.40 0.50 2.29 11 Main Street Bank Corp. Wheeling 455,629 58.20 75 4 1.31 0.24 0.75 2.30 12 City National Bank of West Virginia Charleston 4,892,949 54.41 920 95 1.27 0.39 0.90 2.57 13 West Union Bank West Union 191,285 62.10 49 5 1.44 0.27 0.88 2.59 14 Bank of Romney Romney 306,404 64.25 73 7 1.49 0.36 0.77 2.62 15 Jefferson Security Bank Shepherdstown 320,445 69.41 74 6 1.43 0.40 0.82 2.65 16 Miners and Merchants Bank Thomas 54,084 85.50 20 3 1.27 0.26 1.12 2.65 17 Hancock County Savings Bank, FSB Chester 373,534 68.59 72 3 1.46 0.33 0.88 2.67 18 First Exchange Bank Mannington 289,282 62.17 64 7 1.29 0.40 1.06 2.75 19 Pleasants County Bank Saint Marys 64,720 76.55 15 2 1.40 0.39 1.02 2.81 20 Harrison County Bank Lost Creek 114,863 67.64 30 4 1.29 0.33 1.22 2.85 21 FNB Bank, Inc. Romney 200,700 67.97 56 5 1.61 0.26 0.99 2.87 22 Clay County Bank, Inc. Clay 95,669 62.17 23 2 1.42 0.21 1.34 2.98 23 Citizens Bank of West Virginia, Inc. Elkins 282,573 62.34 72 6 1.61 0.32 1.09 3.01 24 Bank of Monroe Union 144,956 63.17 36 3 1.44 0.44 1.15 3.03 25 Clear Mountain Bank Bruceton Mills 653,493 61.78 156 13 1.70 0.34 1.08 3.11 26 Freedom Bank, Inc. Belington 167,538 65.07 54 5 1.54 0.29 1.30 3.14 27 Fayette County National Bank of Fayetteville Fayetteville 94,224 67.31 31 3 1.52 0.33 1.31 3.15 28 First Neighborhood Bank Spencer 140,632 80.54 37 4 1.64 0.39 1.13 3.15 29 Pendleton Community Bank, Inc. Franklin 339,345 64.35 89 9 1.74 0.45 0.98 3.17 30 MCNB Bank and Trust Co. Welch 297,796 73.72 70 7 1.52 0.43 1.24 3.18 31 First National Bank of Peterstown Peterstown 67,726 79.13 15 2 1.67 0.34 1.19 3.19 32 Mountain Valley Bank, N.A. Elkins 145,487 68.09 42 4 1.84 0.27 1.10 3.21 33 CNB Bank, Inc. Berkeley Springs 412,662 76.17 105 9 1.57 0.41 1.24 3.21 34 Grant County Bank Petersburg 257,885 69.52 74 7 1.83 0.34 1.06 3.23 35 Community Bank of Parkersburg Parkersburg 253,268 71.13 61 4 1.77 0.40 1.11 3.29 36 Williamstown Bank, Inc. Williamstown 166,861 70.12 40 2 1.95 0.28 1.12 3.35 37 Bank of Charles Town Charles Town 504,916 78.07 121 9 1.78 0.54 1.04 3.37 38 Davis Trust Company Elkins 146,355 72.10 47 2 1.68 0.29 1.43 3.40 39 BCBank, Inc. Philippi 142,158 84.10 36 5 1.53 0.56 1.42 3.50 40 Calhoun County Bank, Inc. Grantsville 154,494 78.79 42 4 1.76 0.40 1.46 3.62 41 Citizens Bank of Morgantown, Inc. Morgantown 38,395 77.46 9 1 2.20 0.09 1.35 3.64 42 Whitesville State Bank Whitesville 109,963 79.56 36 4 1.65 0.19 2.03 3.87 43 Capon Valley Bank Wardensville 160,675 80.88 48 5 2.05 0.46 1.54 4.05 44 Poca Valley Bank, Inc. Walton 376,170 77.28 105 7 2.22 0.50 1.34 4.06 45 MVB Bank, Inc. Fairmont 1,958,277 70.41 375 15 2.43 0.42 1.27 4.12 46 Pioneer Community Bank, Inc. Iaeger 113,542 86.67 48 5 2.02 0.50 1.64 4.17 47 Bank of Mingo Williamson 84,405 90.90 38 5 1.92 0.76 1.85 4.53 48 First National Bank of Williamson Williamson 85,205 79.13 34 3 2.03 0.54 2.09 4.67 49 First State Bank Barboursville 157,725 187.17 61 5 2.44 0.54 4.89 7.87
Source: S&P Global Market Intelligence 226 West Virginia – Asset Quality Ranking
Loan Loss Adj NPLs + Total Gross Reserves/ Adj 30-89PD/ Adj 90+PD/ Adj OREO/ Net Chargeoffs/ Asset Quality Assets Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Rank Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 West Union Bank West Union 191,285 96,440 1.24 0.12 0.01 0.16 0.63 0.92 2 WesBanco Bank, Inc. Wheeling 12,560,346 7,782,199 0.70 0.23 0.07 0.54 0.08 0.92 3 Community Bank of Parkersburg Parkersburg 253,268 211,245 0.69 0.29 0.00 0.73 0.01 1.04 4 Bank of Charles Town Charles Town 504,916 403,299 0.89 0.24 0.00 0.80 0.00 1.05 5 Hancock County Savings Bank, FSB Chester 373,534 302,791 0.95 0.05 0.04 0.94 0.03 1.05 6 First Neighborhood Bank Spencer 140,632 93,053 1.28 0.34 0.16 0.57 0.01 1.08 7 Harrison County Bank Lost Creek 114,863 57,277 0.62 0.67 0.46 0.00 (0.04) 1.09 8 MVB Bank, Inc. Fairmont 1,958,277 1,542,336 0.77 0.09 0.00 0.93 0.10 1.12 9 Williamstown Bank, Inc. Williamstown 166,861 138,203 1.27 0.37 0.35 0.39 0.07 1.17 10 Bank of Monroe Union 144,956 87,704 1.09 0.45 0.03 0.81 0.02 1.31 11 City National Bank of West Virginia Charleston 4,892,949 3,581,209 0.37 0.27 0.01 1.20 0.04 1.51 12 Mountain Valley Bank, N.A. Elkins 145,487 92,269 1.21 1.19 0.37 0.09 0.04 1.69 13 First Federal Savings and Loan Association of Ravenswood Ravenswood 25,195 21,281 0.24 1.78 0.00 0.00 0.00 1.78 14 Huntington Federal Savings Bank Huntington 537,549 223,739 0.72 0.66 0.07 1.08 0.01 1.82 15 Union Bank, Inc. Middlebourne 266,413 116,917 1.01 0.89 0.21 0.85 0.04 1.98 16 Cornerstone Bank, Inc. West Union 191,901 43,177 0.73 1.43 0.57 0.00 0.07 2.07 17 Poca Valley Bank, Inc. Walton 376,170 288,440 0.85 0.63 0.10 1.28 0.18 2.19 18 Clear Mountain Bank Bruceton Mills 653,493 478,139 1.64 0.89 0.00 1.14 0.17 2.20 19 Summit Community Bank, Inc. Moorefield 2,321,705 1,852,919 0.70 0.37 0.00 1.86 0.09 2.31 20 Calhoun County Bank, Inc. Grantsville 154,494 124,397 1.15 1.30 0.16 0.84 0.06 2.35 21 Whitesville State Bank Whitesville 109,963 53,107 1.51 0.29 0.00 1.98 0.28 2.55 22 CNB Bank, Inc. Berkeley Springs 412,662 315,317 1.16 0.46 0.00 2.03 0.10 2.58 23 Clay County Bank, Inc. Clay 95,669 54,061 2.35 2.02 0.39 0.18 0.15 2.75 24 Citizens Bank of Morgantown, Inc. Morgantown 38,395 24,493 1.76 0.30 0.00 2.56 0.01 2.88 25 BCBank, Inc. Philippi 142,158 103,079 1.10 0.12 0.01 2.86 0.03 3.02 26 FNB Bank, Inc. Romney 200,700 146,912 1.22 0.76 0.00 2.11 0.17 3.04 27 Logan Bank & Trust Company Logan 268,249 109,428 0.95 2.38 0.01 0.57 0.08 3.04 28 Jefferson Security Bank Shepherdstown 320,445 216,129 0.93 0.10 0.00 2.97 (0.01) 3.06 29 Bank of Mingo Williamson 84,405 65,489 0.48 1.01 0.18 1.30 0.76 3.25 30 First National Bank of Williamson Williamson 85,205 61,043 1.33 2.15 0.01 0.86 0.34 3.36 31 Premier Bank, Inc. Huntington 1,227,856 865,038 1.30 0.88 0.17 2.65 0.12 3.82 32 Citizens Bank of West Virginia, Inc. Elkins 282,573 228,642 1.15 1.35 0.00 2.32 0.23 3.89 33 Main Street Bank Corp. Wheeling 455,629 381,039 1.45 1.45 0.00 2.39 0.23 4.08 34 Miners and Merchants Bank Thomas 54,084 15,728 1.26 2.07 0.00 2.19 0.02 4.28 35 First National Bank of Peterstown Peterstown 67,726 45,328 1.20 2.74 0.00 1.57 0.03 4.34 36 First Exchange Bank Mannington 289,282 252,509 1.39 1.12 0.03 3.06 0.39 4.60 37 Pendleton Community Bank, Inc. Franklin 339,345 259,327 1.12 1.32 0.40 3.06 0.10 4.89 38 Putnam County Bank Hurricane 595,137 342,678 1.42 0.32 0.00 3.81 0.76 4.89 39 Bank of Romney Romney 306,404 218,006 0.85 2.18 0.06 2.95 0.05 5.24 40 Pioneer Community Bank, Inc. Iaeger 113,542 84,041 1.54 1.44 0.49 2.54 0.77 5.24 41 Fayette County National Bank of Fayetteville Fayetteville 94,224 63,510 1.16 3.17 0.01 2.05 0.02 5.25 42 Grant County Bank Petersburg 257,885 207,738 1.00 2.07 0.07 3.08 0.07 5.29 43 Pleasants County Bank Saint Marys 64,720 35,491 1.13 0.96 2.00 2.65 0.07 5.67 44 Citizens Bank of Weston, Inc. Weston 204,587 124,629 1.10 1.82 0.74 3.42 0.07 6.05 45 Freedom Bank, Inc. Belington 167,538 130,681 1.25 0.54 0.00 5.28 0.41 6.23 46 Capon Valley Bank Wardensville 160,675 132,139 0.82 2.25 0.12 4.28 0.41 7.06 47 MCNB Bank and Trust Co. Welch 297,796 212,446 1.50 0.47 0.06 9.70 0.28 10.52 48 Davis Trust Company Elkins 146,355 96,544 1.14 1.72 0.00 12.26 0.13 14.11 49 First State Bank Barboursville 157,725 96,093 1.51 4.64 2.48 40.43 0.31 47.86
Source: S&P Global Market Intelligence 227 West Virginia – Return on Average Equity Ranking
LTM Total LTM Net Income Assets Net Income Total ($000)/ 2018Q3 LTM Net 2017Q3 LTM Net ROAA ROAE Rank Company Name City ($000) ($000) Employees Employee Income ($000) Income ($000) (%) (%) 1 Citizens Bank of Weston, Inc. Weston 204,587 3,602 36 100 2,941 2,156 1.79 16.29 2 MVB Bank, Inc. Fairmont 1,958,277 31,701 375 85 15,429 12,529 1.76 16.19 3 City National Bank of West Virginia Charleston 4,892,949 79,895 920 87 68,288 59,873 1.68 14.58 4 Summit Community Bank, Inc. Moorefield 2,321,705 30,945 349 89 24,050 15,105 1.38 12.77 5 West Union Bank West Union 191,285 2,057 49 42 1,290 785 1.08 12.75 6 Premier Bank, Inc. Huntington 1,227,856 20,336 236 86 15,370 11,609 1.64 12.10 7 Main Street Bank Corp. Wheeling 455,629 4,973 75 66 4,726 4,736 1.10 11.60 8 Citizens Bank of West Virginia, Inc. Elkins 282,573 3,156 72 44 2,363 2,033 1.16 11.50 9 Jefferson Security Bank Shepherdstown 320,445 2,834 74 38 1,837 1,747 0.91 11.45 10 Clear Mountain Bank Bruceton Mills 653,493 8,339 156 53 7,223 5,951 1.34 11.33 11 Union Bank, Inc. Middlebourne 266,413 4,423 73 61 3,789 3,181 1.28 10.93 12 Logan Bank & Trust Company Logan 268,249 2,550 57 45 1,444 1,509 0.97 10.86 13 Bank of Romney Romney 306,404 3,162 73 43 2,352 2,087 1.08 10.61 14 First Exchange Bank Mannington 289,282 3,200 64 50 3,726 3,859 0.87 10.48 15 Pendleton Community Bank, Inc. Franklin 339,345 3,803 89 43 3,818 3,415 1.21 9.52 16 FNB Bank, Inc. Romney 200,700 1,887 56 34 1,472 1,494 0.97 9.45 17 Harrison County Bank Lost Creek 114,863 1,104 30 37 991 908 0.98 9.43 18 Cornerstone Bank, Inc. West Union 191,901 1,650 29 57 982 1,045 0.95 9.31 19 Bank of Monroe Union 144,956 1,819 36 51 1,683 1,220 1.27 9.23 20 Clay County Bank, Inc. Clay 95,669 1,263 23 55 1,346 1,029 1.33 9.21 20 CNB Bank, Inc. Berkeley Springs 412,662 3,149 105 30 2,415 2,576 0.79 9.21 22 Community Bank of Parkersburg Parkersburg 253,268 3,218 61 53 3,151 3,371 0.98 8.97 23 Fayette County National Bank of Fayetteville Fayetteville 94,224 1,020 31 33 848 733 1.12 8.88 24 Davis Trust Company Elkins 146,355 1,282 47 27 474 952 0.88 8.85 25 Mountain Valley Bank, N.A. Elkins 145,487 1,629 42 39 1,026 957 1.15 8.72 26 WesBanco Bank, Inc. Wheeling 12,560,346 173,624 2,293 76 122,470 106,010 1.39 8.56 27 Williamstown Bank, Inc. Williamstown 166,861 1,697 40 42 1,586 1,599 1.04 8.32 27 Freedom Bank, Inc. Belington 167,538 1,424 54 26 929 1,255 0.88 8.32 29 Poca Valley Bank, Inc. Walton 376,170 2,694 105 26 2,383 2,116 0.74 7.79 30 Grant County Bank Petersburg 257,885 2,581 74 35 2,098 2,640 1.00 7.74 31 First Federal Savings and Loan Association of Ravenswood Ravenswood 25,195 143 4 36 137 82 0.61 7.15 32 Calhoun County Bank, Inc. Grantsville 154,494 1,015 42 24 722 1,255 0.70 7.02 33 MCNB Bank and Trust Co. Welch 297,796 2,222 70 32 1,719 1,513 0.75 6.89 34 Bank of Charles Town Charles Town 504,916 3,180 121 26 3,214 3,885 0.65 6.38 35 Pleasants County Bank Saint Marys 64,720 434 15 29 157 322 0.66 6.21 36 Whitesville State Bank Whitesville 109,963 630 36 18 692 646 0.62 6.06 37 First National Bank of Williamson Williamson 85,205 717 34 21 395 (375) 0.65 6.05 38 Putnam County Bank Hurricane 595,137 5,085 70 73 (1,955) 3,931 0.86 5.75 39 Hancock County Savings Bank, FSB Chester 373,534 3,362 72 47 2,964 2,735 0.90 4.95 40 First National Bank of Peterstown Peterstown 67,726 385 15 26 210 364 0.59 4.87 41 Capon Valley Bank Wardensville 160,675 823 48 17 807 1,068 0.53 4.70 41 BCBank, Inc. Philippi 142,158 594 36 17 451 318 0.43 4.70 43 First Neighborhood Bank Spencer 140,632 688 37 19 516 804 0.51 4.45 44 Citizens Bank of Morgantown, Inc. Morgantown 38,395 278 9 31 165 307 0.73 4.04 45 Bank of Mingo Williamson 84,405 313 38 8 219 (274) 0.38 3.65 46 Pioneer Community Bank, Inc. Iaeger 113,542 432 48 9 419 591 0.38 2.62 47 Miners and Merchants Bank Thomas 54,084 153 20 8 322 229 0.28 1.71 48 Huntington Federal Savings Bank Huntington 537,549 1,204 95 13 1,908 3,050 0.23 1.37 49 First State Bank Barboursville 157,725 (5,780) 61 (95) (4,350) (2,265) (3.69) (131.57)
Source: S&P Global Market Intelligence 228 West Virginia – Overall Ranking
Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Rank Company Name City ($000) Rank Rank Rank Rank Rank Rank 1 City National Bank of West Virginia Charleston 4,892,949 36 4 12 11 3 13.2 2 Clear Mountain Bank Bruceton Mills 653,493 18 6 25 18 10 15.4 3 WesBanco Bank, Inc. Wheeling 12,560,346 32 14 7 2 26 16.2 3 West Union Bank West Union 191,285 34 28 13 1 5 16.2 5 Bank of Monroe Union 144,956 20 10 24 10 19 16.6 6 Premier Bank, Inc. Huntington 1,227,856 8 38 9 31 6 18.4 7 Summit Community Bank, Inc. Moorefield 2,321,705 33 32 5 19 4 18.6 7 Citizens Bank of West Virginia, Inc. Elkins 282,573 13 17 23 32 8 18.6 9 MVB Bank, Inc. Fairmont 1,958,277 38 1 45 8 2 18.8 10 Community Bank of Parkersburg Parkersburg 253,268 21 18 35 3 22 19.8 10 Union Bank, Inc. Middlebourne 266,413 26 41 6 15 11 19.8 12 Clay County Bank, Inc. Clay 95,669 17 20 22 23 20 20.4 13 Harrison County Bank Lost Creek 114,863 37 22 20 7 17 20.6 13 Citizens Bank of Weston, Inc. Weston 204,587 16 38 4 44 1 20.6 15 Poca Valley Bank, Inc. Walton 376,170 9 5 44 17 29 20.8 16 Pendleton Community Bank, Inc. Franklin 339,345 9 16 29 37 15 21.2 17 Mountain Valley Bank, N.A. Elkins 145,487 15 30 32 12 25 22.8 18 Williamstown Bank, Inc. Williamstown 166,861 7 36 36 9 27 23.0 18 First Exchange Bank Mannington 289,282 18 29 18 36 14 23.0 20 Main Street Bank Corp. Wheeling 455,629 21 46 11 33 7 23.6 21 Jefferson Security Bank Shepherdstown 320,445 43 24 15 28 9 23.8 22 FNB Bank, Inc. Romney 200,700 25 32 21 26 16 24.0 23 Logan Bank & Trust Company Logan 268,249 45 30 8 27 12 24.4 24 First National Bank of Williamson Williamson 85,205 6 2 48 30 37 24.6 24 Bank of Romney Romney 306,404 31 26 14 39 13 24.6 26 Bank of Charles Town Charles Town 504,916 41 8 37 4 34 24.8 27 CNB Bank, Inc. Berkeley Springs 412,662 40 11 33 22 20 25.2 27 Davis Trust Company Elkins 146,355 2 14 38 48 24 25.2 29 Freedom Bank, Inc. Belington 167,538 21 8 26 45 27 25.4 30 Cornerstone Bank, Inc. West Union 191,901 49 44 3 16 18 26.0 30 Whitesville State Bank Whitesville 109,963 24 7 42 21 36 26.0 32 Calhoun County Bank, Inc. Grantsville 154,494 12 27 40 20 32 26.2 33 Fayette County National Bank of Fayetteville Fayetteville 94,224 11 32 27 41 23 26.8 34 Hancock County Savings Bank, FSB Chester 373,534 39 41 17 5 39 28.2 35 First Neighborhood Bank Spencer 140,632 34 32 28 6 43 28.6 36 First Federal Savings and Loan Association of Ravenswood Ravenswood 25,195 44 47 10 13 31 29.0 37 Bank of Mingo Williamson 84,405 13 12 47 29 45 29.2 38 Grant County Bank Petersburg 257,885 5 37 34 42 30 29.6 39 MCNB Bank and Trust Co. Welch 297,796 29 12 30 47 33 30.2 40 Capon Valley Bank Wardensville 160,675 4 18 43 46 41 30.4 41 BCBank, Inc. Philippi 142,158 28 21 39 25 41 30.8 42 Pioneer Community Bank, Inc. Iaeger 113,542 1 22 46 40 46 31.0 43 Citizens Bank of Morgantown, Inc. Morgantown 38,395 3 45 41 24 44 31.4 43 First National Bank of Peterstown Peterstown 67,726 26 25 31 35 40 31.4 45 Huntington Federal Savings Bank Huntington 537,549 48 48 2 14 48 32.0 46 Pleasants County Bank Saint Marys 64,720 30 43 19 43 35 34.0 47 Putnam County Bank Hurricane 595,137 46 49 1 38 38 34.4 48 Miners and Merchants Bank Thomas 54,084 47 40 16 34 47 36.8 49 First State Bank Barboursville 157,725 41 3 49 49 49 38.2
Source: S&P Global Market Intelligence 229 3290 Northside Parkway NW, Suite 800 Atlanta, GA 30327 (404) 848-1571
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