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Ranking the Top Ten Percent of Banks by Peer Group

The Resource for Community Bank Leaders.

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2015Q2 CB Top Ten:

CB Top Ten

2 Source: The Banks, FDIC, FFIEC © 2010-2015 CB Resource, Inc.

I. OVERVIEW

Purpose & Methodology.........................................................................................................................................

Executive Summary ................................................................................................................................................ Page 3

Top Ten Percent of Banks

Peer Group 1: Less Than $100 Million .............................................................................................................. Page 5

Peer Group 2: $100-250 Million ......................................................................................................................... Page 9


Peer Group 4: $500 Million-1 Billion .................................................................................................................. Page 17

Peer Group 5: $1-3 Billion ................................................................................................................................. Page 19

Top Ten Percent of Sub-S Banks

Peer Group 1: Less Than $100 Million .............................................................................................................. Page 22



Peer Group 4: $500 Million-1 Billion .................................................................................................................. Page 32

Peer Group 5: $1-3 Billion ................................................................................................................................. Page 33

Definitions of Key Terms & Ratios ........................................................................................................................ Page 35

Table of Contents

Overview

Purpose

The purpose of the CB Top Ten is to provide a comparative summary, by peer group, of the Top Ten Percent of commercial banks

based upon key performance indicators, selected by CB Resource.

Components

The report ranks the top ten percent of commercial banks within each peer group by eight performance indicators. The report is

separated between C-corp. commercial banks and S-corp. commercial banks. For each peer group the report includes a listing in

alphabetical order of the commercial banks falling within the top ten percent of their group and a Scorecard ranking those commer-

cial banks based upon their composite scores.

Scorecards, developed by CB Resource, are used to rank commercial banks against their peers based upon key performance indi-

cators. The Scorecards represent a numerical ranking of key indicators comparing the financial health of each institution. These

indicators include: asset growth (AG), return on average assets (ROAA), return on average equity (ROAE), net interest margin

(NIM), efficiency ratio (ER), non-performing assets (NPA), non interest-bearing deposits (NIBD), and non-interest income (NII).

The Report

The data was compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from

FDIC and other sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by CB

Resource, Inc. The information is presented in the form of financial ratios. Ratio definitions are provided at the end of this

report.

Any unauthorized use of this content, logos and/or name is forbidden.

CB Top Ten


Executive Summary

C-Corp Peer Group Summary AG ROAA ROAE NIM ER NPA NIBD NII

Peer Group 1: Less Than $100 Million

Top Ten Percent of Banks: Median 6.07 1.24 10.26 4.34 62.14 0.14 25.04 0.69

Top Ten Percent of Banks: Average 12.83 2.54 15.02 4.40 55.10 0.46 30.00 5.90

All Banks: Median 0.44 0.59 5.08 3.65 77.16 0.70 19.54 0.39

All Banks: Average 1.41 0.63 3.69 3.67 82.75 1.49 21.32 1.30

Peer Group 2: $100 - 250 Million



All Banks: Median 3.01 0.75 6.71 3.75 71.38 0.90 19.36 0.49


Peer Group 3: $250 -500 Million



All Banks: Median 3.98 0.83 7.68 3.65 68.50 0.84 19.70 0.63


Peer Group 4: $500 Million - $1 Billion



All Banks: Median 5.09 0.87 8.23 3.64 67.16 0.83 18.64 0.70


Peer Group 5: $1 - 3 Billion



All Banks: Median 6.82 0.92 8.38 3.62 65.31 0.69 22.38 0.77


S-Corp Peer Group Summary AG ROAA ROAE NIM ER NPA NIBD NII

Peer Group 1: Less Than $100 Million



All Banks: Median (0.20) 1.05 9.34 3.72 68.53 0.50 20.55 0.42


Peer Group 2: $100 - 250 Million



All Banks: Median 1.15 1.26 11.76 3.84 65.43 0.64 19.62 0.56


Peer Group 3: $250 -500 Million



All Banks: Median 2.11 1.37 13.27 3.80 63.40 0.60 20.05 0.67


Peer Group 4: $500 Million - $1 Billion



All Banks: Median 4.09 1.51 13.96 3.84 63.06 0.71 20.99 0.78


Peer Group 5: $1 - 3 Billion



All Banks: Median 5.73 1.44 14.24 3.65 64.75 0.59 21.90 0.79


LEGEND: RK-Rank, AG-Asset Growth, ROAA-Return on Average Assets, NIM-Net Interest Margin, ER-Efficiency Ratio, NPA-Non-Performing Assets to Total Assets, NIBD-Non Interest-Bearing Deposits to Total Deposits, NII-Non-Interest Income to Average Assets.

TOP TEN PERCENT OF BANKS

CB Top Ten


Criteria

Number of Institutions in Peer Group: 840

Institution Type: Commercial Bank

Asset Size: Less Than $100 Million

Subchapter-S Banks: Excluded from Peer Group

Who They Are

Company Name City State Assets ($000) Employees Branches

American Bank, National Association Dallas TX 61,787 20 1

American Exchange Bank, Lindsay, Oklahoma Lindsay OK 62,004 15 1

Ameriprise National Trust Bank Minneapolis MN 41,873 18 1

Atlantic Community Bank Bluffton SC 81,075 17 2

Bank of Bennington Bennington NE 84,412 26 2

Bank of Camilla Camilla GA 98,035 31 2

Bank of Lindsay Lindsay NE 51,410 12 1

Bank of Locust Grove Locust Grove OK 33,145 13 1

Bank Star of the BootHeel Steele MO 97,823 33 2

BMO Harris Central National Association Roselle IL 7,674 0 1

Brantley Bank and Trust Company Brantley AL 70,160 22 2

Brazos National Bank Richwood TX 26,907 40 1

Breda Savings Bank Breda IA 50,416 6 1

Capital Bank of Texas Carrizo Springs TX 68,602 19 2

CBW Bank Weir KS 16,774 10 1

Century Bank Shenandoah IA 85,046 16 1

Chambers State Bank Chambers NE 42,988 6 1

Citizens State Bank-Roma Roma TX 84,309 33 2

Citizens State Bank-Carleton Carleton NE 18,788 5 1

Clatsop Community Bank Seaside OR 76,320 16 2

Comerica Bank & Trust, National Association Ann Arbor MI 52,864 91 1

Community Bank-Bristow Bristow OK 84,323 26 1

Community Bank-Topeka Topeka KS 85,433 25 2

Credit First National Association Brook Park OH 47,181 206 1

Dutton State Bank Dutton MT 53,830 19 3

Eaglemark Savings Bank Carson City NV 68,579 118 1

Enloe State Bank Cooper TX 28,602 7 1

Farmers and Merchants Bank of Ashland Ashland NE 72,014 18 2

Farmers Exchange Bank Neshkoro WI 57,611 13 3

Farmers State Bank of Danforth Danforth IL 66,559 15 2

Fidelity Bank of Texas Waco TX 96,391 30 2

First Central Bank Cambridge NE 93,319 25 3

First Electronic Bank Sandy UT 11,970 37 1

First Home Bank Seminole FL 92,624 30 2

First National Bank Heavener OK 77,862 36 2

First National Bank in Pinckneyville Pinckneyville IL 80,970 25 1

First National Bank of Elkhart Elkhart KS 77,455 20 2

First Security Bank of Deer Lodge Deer Lodge MT 31,437 10 1

First State Bank Wrens GA 95,384 30 3

First State Bank of St. Peter Saint Peter IL 29,789 6 1

Foundation One Bank Waterloo NE 78,299 29 2

Fredonia Valley Bank Fredonia KY 75,949 16 2

Granite Mountain Bank Inc dba Granite Mountain Bank Philipsburg MT 66,145 20 3

Harwood State Bank Harwood ND 37,432 6 1

Heritage Bank of the Ozarks Lebanon MO 97,951 30 1

Hiawatha Bank and Trust Company Hiawatha IA 46,379 10 1

Integrity First Bank Wausau WI 76,457 16 1

ITS Bank Johnston IA 6,422 0 1

Kendall State Bank Valley Falls KS 36,662 14 2

Lakeside Bank of Salina Salina OK 33,254 12 1

Top Ten Percent of Banks: Who They Are PEER GROUP 1: Less Than $100 Million

CB Top Ten



Merit Bank Overland Park KS 87,220 35 3

Ozark Heritage Bank National Association Mountain View AR 88,977 32 2

Peoples State Bank & Trust Baxley GA 82,410 25 1

Peoples Trust and Savings Bank Riverside IA 32,787 5 1

Prairie Mountain Bank Great Falls MT 82,096 28 2

Redstone Bank Centennial CO 88,993 16 1

Scribner Bank Scribner NE 70,752 16 1

Simmesport State Bank Simmesport LA 70,540 17 1

SJN Bank of Kansas Saint John KS 94,072 19 3

Southwest National Bank Weatherford OK 73,544 19 2

State Bank of Eagle Butte Eagle Butte SD 57,509 18 1

Target Bank Salt Lake City UT 69,158 16 1

The Bank of Augusta Augusta AR 88,227 29 2

The Bank of Protection Protection KS 66,186 14 3

The Citizens Bank of Edina Edina MO 68,295 15 1

The Commercial Bank Mason TX 38,423 9 1

The Dublin National Bank Dublin TX 35,476 12 1

The Elberfeld State Bank Elberfeld IN 72,958 16 3

The Farmers & Merchants Bank Waterloo AL 75,477 10 2

The First National Bank of Hooker Hooker OK 70,510 19 1

The First National Bank of Kinmundy Kinmundy IL 41,268 9 1

The First State Bank Boise City OK 67,221 13 1

The Gunnison Bank and Trust Company Gunnison CO 74,895 25 2

The Hershey State Bank Hershey NE 74,989 18 2

The Metamora State Bank Metamora OH 64,733 19 2

The Oakwood State Bank Oakwood TX 6,384 2 1

The Peoples Bank of Red Level Red Level AL 16,505 6 1

The Santa Anna National Bank Santa Anna TX 46,380 10 1

Union Bank of Blair Blair WI 99,725 17 1

Utah Community Bank Sandy UT 31,552 14 1

Valley Bank of Ronan Ronan MT 95,291 41 9

Washita Valley Bank Fort Cobb OK 41,155 11 1

Wayland State Bank Mount Pleasant IA 84,908 15 2

Zavala County Bank Crystal City TX 68,749 25 2

Top Ten Percent of Banks: Who They Are PEER GROUP 1: Less Than $100 Million

CB Top Ten


CB Scorecard Key Indicators

RK Company Name AG ROAA ROAE NIM ER NPA NIBD NII


1 Eaglemark Savings Bank 365.13 11.00 59.56 14.35 70.10 0.00 28.70 43.65

2 Dutton State Bank 118.92 2.24 18.40 5.38 55.71 0.33 37.24 1.59

3 The Santa Anna National Bank 8.22 1.79 13.99 4.70 49.82 0.00 25.07 0.48

4 Brazos National Bank 25.13 2.07 10.40 4.70 91.18 0.00 51.95 19.33

5 First Home Bank 24.96 2.23 25.48 4.40 66.98 0.49 27.46 3.44

6 Bank of Locust Grove 3.82 1.35 13.20 5.42 62.09 0.40 37.63 1.45

7 The First State Bank 9.76 1.53 17.79 4.69 50.24 0.07 29.85 0.42

8 Utah Community Bank 2.93 1.25 7.81 5.09 69.56 0.00 24.39 2.57

9 The First National Bank of Kinmundy 0.33 1.75 13.19 5.19 44.19 0.21 24.64 0.79

10 SJN Bank of Kansas 6.77 1.82 15.22 4.97 45.43 0.02 17.26 0.62

11 Peoples Trust and Savings Bank 23.33 0.98 13.11 3.82 57.26 0.00 32.70 0.39

12 Community Bank-Bristow 1.80 1.36 17.78 3.87 60.50 0.00 24.65 1.30

13 CBW Bank 30.32 4.93 32.06 1.97 48.81 0.42 52.63 22.01

14 Breda Savings Bank 2.74 1.75 12.05 4.43 45.96 0.00 28.85 0.30

15 The Oakwood State Bank 11.43 1.74 8.97 2.97 57.94 0.06 100.00 2.33

16 Lakeside Bank of Salina 10.85 1.52 13.54 5.86 56.18 1.35 20.82 1.26

17 Southwest National Bank 3.30 1.37 11.78 4.19 55.04 0.41 28.14 0.75

18 Valley Bank of Ronan 85.89 2.17 22.66 3.21 51.56 1.18 34.44 2.59

19 Comerica Bank & Trust, National Association 3.92 24.09 26.37 0.28 66.01 0.00 100.00 110.80

19 First National Bank 6.23 1.20 12.98 4.97 66.91 1.40 33.65 1.32

21 First Security Bank of Deer Lodge 5.84 0.84 8.42 4.19 70.92 0.00 35.30 0.62

22 Bank of Bennington 13.08 1.26 9.36 4.43 63.55 0.79 23.10 1.24

23 The Gunnison Bank and Trust Company (1.93) 1.05 10.49 4.49 66.36 0.16 38.52 0.92

24 ITS Bank 5.27 4.93 5.38 4.97 18.92 0.00 0.00 7.76

25 Enloe State Bank 0.76 2.07 19.09 5.35 51.56 0.00 20.85 0.23

26 Peoples State Bank & Trust 10.98 1.17 10.04 4.70 67.13 2.40 27.06 1.20

27 Washita Valley Bank 5.73 1.59 9.72 5.22 50.46 0.40 16.85 0.51

28 First State Bank 5.03 1.18 13.82 5.58 70.11 0.77 31.81 0.39

29 Community Bank-Topeka 5.45 0.93 10.25 3.89 69.32 0.12 27.81 0.79

30 The Farmers & Merchants Bank 0.88 2.27 10.74 3.69 25.31 0.24 22.33 0.67

31 First Central Bank 14.63 1.13 10.81 4.25 57.14 0.12 13.81 0.57

32 Zavala County Bank (4.01) 1.13 9.28 3.38 62.20 0.00 31.59 1.33

33 State Bank of Eagle Butte 0.54 0.90 9.15 6.55 70.55 0.42 23.56 1.40

34 First Electronic Bank 50.63 5.05 6.69 6.24 91.89 0.00 11.89 57.93

35 The Bank of Augusta 23.28 0.90 8.79 4.44 66.44 0.36 20.56 0.53

36 Hiawatha Bank and Trust Company 14.76 1.00 8.65 4.15 60.58 0.25 25.56 0.35

37 Bank of Lindsay 5.91 0.76 8.30 3.72 73.25 0.00 24.85 0.94

38 Prairie Mountain Bank 14.32 0.88 8.26 4.83 72.18 0.20 18.81 0.71

39 The Peoples Bank of Red Level 7.18 1.01 8.63 5.43 72.18 0.88 31.22 0.44

40 American Bank, National Association (0.76) 0.94 12.61 6.35 48.48 0.00 24.46 0.14

41 The Bank of Protection 7.92 1.23 11.06 4.14 57.09 0.03 22.09 0.24

42 Clatsop Community Bank 14.25 0.80 6.15 4.33 74.00 0.15 32.38 0.56

43 Integrity First Bank 8.54 10.02 76.96 4.18 76.15 0.42 20.43 0.51

44 The Commercial Bank (1.54) 1.13 13.97 4.03 58.34 0.06 35.74 0.33

45 The Metamora State Bank 2.38 1.56 16.35 3.93 64.14 1.05 22.13 1.51

46 Redstone Bank 13.05 0.87 7.02 5.72 66.83 0.00 25.00 0.13

47 Credit First National Association 18.22 29.51 30.55 0.00 52.58 0.00 0.00 97.97

48 Atlantic Community Bank 6.67 3.83 35.29 3.87 75.22 2.61 40.02 0.84

49 Ameriprise National Trust Bank 8.49 2.77 2.97 1.28 64.87 0.00 100.00 13.36

50 Citizens State Bank-Roma 5.17 1.11 11.32 4.89 74.66 0.13 12.44 1.17

51 The First National Bank of Hooker (1.43) 1.38 10.20 4.64 55.06 0.44 20.59 0.45

52 Target Bank (84.24) 23.66 173.38 0.71 25.45 0.10 77.05 51.03

53 First National Bank in Pinckneyville 2.08 1.33 7.86 4.45 58.76 0.54 18.08 0.72

54 Foundation One Bank 28.09 0.86 8.93 3.38 74.48 0.00 17.99 2.31

55 Heritage Bank of the Ozarks 13.19 0.65 7.19 4.35 74.40 0.03 17.70 1.21

Top Ten Percent of Banks: How They Rank PEER GROUP 1: Less Than $100 Million

CB Top Ten




56 Scribner Bank (13.17) 1.18 11.22 3.33 63.99 0.04 43.07 1.88

57 The Dublin National Bank 17.42 0.98 8.89 2.91 75.24 0.04 29.78 0.63

58 Wayland State Bank 7.22 1.22 6.54 3.27 47.35 0.00 24.83 0.29

59 Merit Bank 10.17 0.83 8.81 4.63 69.29 0.60 12.97 3.99

60 The Citizens Bank of Edina (1.47) 1.47 13.42 4.49 43.78 0.33 21.67 0.23

61 Ozark Heritage Bank National Association 1.16 2.70 20.57 5.33 49.04 2.35 7.70 5.41

62 Brantley Bank and Trust Company 9.32 0.84 5.76 4.83 59.77 1.08 26.93 0.43

62 Capital Bank of Texas (9.43) 1.11 9.76 2.56 62.19 0.00 35.91 1.52

64 Citizens State Bank-Carleton 17.62 0.84 9.80 4.62 74.94 0.00 10.23 0.41

65 Farmers and Merchants Bank of Ashland 11.62 0.64 5.65 4.02 78.68 0.00 29.02 0.48

66 American Exchange Bank, Lindsay, Oklahoma 14.52 0.76 7.47 3.19 71.86 0.17 37.01 0.65

67 The Elberfeld State Bank 13.83 0.59 5.59 3.65 76.18 0.00 29.47 0.65

68 Simmesport State Bank 4.85 1.76 12.51 5.04 49.46 1.96 18.71 0.34

69 First State Bank of St. Peter (4.43) 1.19 8.36 4.19 53.67 0.00 23.29 0.25

70 Bank Star of the BootHeel 9.94 0.74 7.92 4.51 75.07 0.06 15.14 0.94

71 Fidelity Bank of Texas 11.29 1.13 8.88 4.19 64.39 2.39 18.95 0.87

72 Farmers Exchange Bank (4.09) 1.31 10.28 4.30 56.51 1.04 24.14 0.52

73 Granite Mountain Bank Inc dba Granite Mountain Bank (1.20) 0.76 8.37 3.90 72.88 0.35 38.98 0.88

74 Century Bank (2.46) 1.00 10.80 3.42 55.54 0.00 23.31 0.40

75 Fredonia Valley Bank (4.44) 1.32 9.92 4.42 54.63 2.17 32.72 0.49

76 Bank of Camilla (10.80) 2.33 15.46 4.97 49.15 3.50 19.36 2.44

76 Chambers State Bank 17.78 1.46 6.01 3.15 44.18 0.21 37.20 0.22

76 Harwood State Bank 12.83 0.72 8.91 3.71 69.72 0.00 27.59 0.19

79 First National Bank of Elkhart 0.66 0.87 7.36 4.10 69.01 0.93 56.29 0.59

80 Union Bank of Blair 3.64 1.39 10.49 4.02 45.89 1.14 14.88 0.65

81 Kendall State Bank (2.15) 1.25 16.26 3.75 79.87 0.21 36.21 0.51

82 Farmers State Bank of Danforth 5.38 0.98 9.56 3.43 59.22 0.08 20.11 0.46

82 The Hershey State Bank (3.62) 1.60 11.76 4.94 50.59 0.65 13.13 0.61

84 BMO Harris Central National Association 1.39 0.94 1.09 12.43 (445.45) 0.00 100.00 0.00



All Banks: Median 0.44 0.59 5.08 3.65 77.16 0.70 19.54 0.39


Top Ten Percent of Banks: How They Rank PEER GROUP 1: Less Than $100 Million

CB Top Ten


Criteria

Number of Institutions in Peer Group: 1,026

Institution Type: Commercial Banks

Asset Size: $100 - 250 Million


Who They Are


Access Bank Omaha NE 238,864 47 3

Albina Community Bank Portland OR 153,802 42 5

Alden State Bank Alden MI 169,059 42 4

Ann Arbor State Bank Ann Arbor MI 233,820 40 1

Badger Bank Fort Atkinson WI 122,614 38 4

Bank of Anguilla Anguilla MS 129,371 28 4

Bank of Birmingham Birmingham MI 227,843 37 1

Bank of Cleveland Cleveland TN 224,262 62 4

Bank of Commerce Yukon OK 200,675 60 4

Bank of Cushing Cushing OK 120,773 26 2

Bank of Michigan Farmington Hills MI 108,289 31 1

Bank of San Francisco San Francisco CA 189,931 35 1

Boone Bank & Trust Co. Boone IA 132,416 25 2

Capital Community Bank Provo UT 183,056 43 4

Cheaha Bank Oxford AL 191,424 42 4

Chino Commercial Bank, N.A. Chino CA 145,742 39 3

Citizens State Bank Sealy TX 234,819 33 1

Community Bank Lexington TN 123,476 35 3

Community Business Bank West Sacramento CA 231,034 35 2

Community First Bank of Indiana Kokomo IN 221,848 47 3

Community State Bank Avilla IN 210,225 49 5

Community Valley Bank El Centro CA 131,630 29 3

County Bank Sigourney IA 112,984 28 4

Exchange Bank of Missouri Fayette MO 164,846 46 5

Farmers & Merchants Bank Miamisburg OH 118,502 23 3

Farmers State Bank Stickney SD 113,794 13 3

Fiduciary Trust Company International New York NY 238,458 253 3

First Century Bank, National Association Gainesville GA 109,575 42 1

First Madison Bank & Trust Colbert GA 174,742 23 3

First National Bank and Trust Company of Weatherford Weatherford TX 206,715 50 2

First New Mexico Bank, Las Cruces Las Cruces NM 120,199 29 2

First Partners Bank Birmingham AL 232,090 48 2

First Security Bank of Kentucky Central City KY 101,259 30 4

First State Bank-Irvington Irvington KY 168,014 67 3

First State Bank-Russellville Russellville AR 217,580 50 5

Founders Community Bank San Luis Obispo CA 185,765 34 3

Garrison State Bank and Trust Garrison ND 122,827 29 1

Gateway Bank of Southwest Florida Sarasota FL 240,041 44 3

Grand Ridge National Bank Grand Ridge IL 145,906 22 3

Grandview Bank Grandview TX 153,111 36 3

Guaranty Bank and Trust Company New Roads LA 199,835 58 6

Hantz Bank Southfield MI 191,168 69 7

High Country Bank Salida CO 212,893 63 4

Huron Valley State Bank Milford MI 106,519 25 2

Incommons Bank, N.A. Mexia TX 116,876 47 4

Kirkwood Bank & Trust Co. Bismarck ND 221,845 55 4

LCA Bank Corporation Park City UT 133,956 9 1

Leitchfield Deposit Bank & Trust Company Leitchfield KY 124,758 31 2

Lighthouse Bank Santa Cruz CA 175,865 19 1

Main Street Bank Bingham Farms MI 193,016 92 2

Top Ten Percent of Banks: Who They Are PEER GROUP 2: $100 - 250 Million

CB Top Ten



McClain Bank Purcell OK 207,577 57 3

McKenzie Banking Company Mc Kenzie TN 125,188 80 6

Merchants Bank Rugby ND 109,282 16 2

Metro Phoenix Bank Phoenix AZ 111,836 29 1

Mid America Bank & Trust Company Dixon MO 146,188 51 3

Mid-America Bank Baldwin City KS 109,423 33 3

NewBank Flushing NY 220,955 30 2

Normangee State Bank Normangee TX 115,312 17 1

Northwestern Bank Orange City IA 203,160 28 2

Oregon Community Bank & Trust Oregon WI 220,503 35 3

Patterson State Bank Patterson LA 227,881 59 3

Peoples Bank Sheridan AR 126,226 22 2

People's Bank of Seneca Seneca MO 147,042 26 2

Pinnacle Bank-Jasper Jasper AL 230,673 54 7

Pinnacle Bank-Marshalltown Marshalltown IA 190,460 26 2

Quoin Financial Bank Miller SD 156,286 31 3

River Community Bank, National Association Martinsville VA 128,110 91 4

Sanger Bank Sanger TX 131,157 28 2

Savoy Bank New York NY 154,040 20 1

Schertz Bank & Trust Schertz TX 244,296 59 5

Security First National Bank of Hugo Hugo OK 106,472 34 1

Security State Bank Independence IA 103,027 23 3

State Bank of Arthur Arthur IL 122,418 21 1

Summit Bank-Eugene Eugene OR 199,113 39 1

Summit Bank-Oakland Oakland CA 226,311 29 3

T Bank, National Association Dallas TX 171,816 37 1

Teton Banks Fairfield MT 210,766 35 3

Texas Republic Bank, National Association Frisco TX 155,626 37 3

The Bank Jennings LA 207,153 58 5

The Citizens Bank Company Beverly OH 185,430 55 5

The Fahey Banking Company Marion OH 213,705 44 4

The Farmers and Merchants Bank Caldwell OH 105,435 32 1

The Farmers Bank Hardinsburg KY 106,995 30 2

The Farmers State Bank of Waupaca Waupaca WI 182,668 37 4

The First National Bank of Grayson Grayson KY 235,261 96 8

The First National Bank of Groton Groton NY 158,097 38 2

The First National Bank of McGregor Mc Gregor TX 176,720 40 3

The First National Bank of Waynesboro Waynesboro GA 114,075 37 1

The Jefferson Bank Greenville MS 117,336 27 4

The Napoleon State Bank Napoleon IN 197,066 55 4

The North Salem State Bank North Salem IN 229,022 60 6

The Peoples Bank Rose Hill VA 112,876 23 4

The Scott County State Bank Scottsburg IN 148,242 22 3

Three Rivers Bank of Montana Kalispell MT 111,638 36 2

Town & Country Bank Saint George UT 100,130 26 1

Tri-County Bank Brown City MI 244,045 77 8

United Community Bank of West Kentucky, Inc. Morganfield KY 220,655 51 4

University Bank Ann Arbor MI 167,524 336 1

USNY Bank Geneva NY 238,301 31 2

ValueBank Texas Corpus Christi TX 206,819 126 10

WebBank Salt Lake City UT 247,716 50 1

Westbound Bank Katy TX 163,260 36 3

Willamette Valley Bank Salem OR 160,851 116 4


CB Top Ten


Top Ten Percent of Banks: How They Rank




1 NewBank 19.50 3.42 23.60 4.64 37.64 0.49 33.84 5.62

2 Summit Bank-Eugene 22.14 1.49 15.59 5.62 52.47 0.36 30.42 0.66

3 WebBank 19.67 10.37 54.96 21.20 25.46 0.22 14.98 3.42

4 Chino Commercial Bank, N.A. 24.20 1.05 10.43 4.06 63.12 0.00 55.76 0.98

5 University Bank 63.72 3.72 38.60 4.32 80.33 0.32 84.05 24.89

6 Albina Community Bank 11.51 2.56 24.72 3.72 63.07 0.04 38.66 3.01

7 Town & Country Bank 35.69 1.95 17.07 4.63 68.04 0.18 19.00 2.62

8 Grandview Bank 15.60 1.25 12.49 4.27 60.46 0.15 36.12 0.58

9 The Jefferson Bank 45.86 1.60 10.10 4.89 49.14 0.02 20.18 0.50

10 The North Salem State Bank 13.62 1.30 15.26 4.30 54.54 0.31 27.36 0.58

11 Capital Community Bank 16.07 1.16 10.26 5.00 64.85 0.00 28.90 0.47

12 First National Bank and Trust Company of Weatherford 3.38 2.09 22.58 4.92 58.82 1.18 34.72 1.52

13 The Farmers Bank 6.07 1.82 8.96 4.57 45.49 0.43 30.91 0.64

14 Hantz Bank 10.89 0.96 8.24 4.56 70.15 0.14 62.36 2.26

15 Peoples Bank 10.24 1.32 9.03 3.73 47.25 0.15 38.96 0.76

16 Bank of Commerce 4.38 1.28 12.03 4.14 60.28 0.37 30.33 1.49

17 The Bank 9.00 1.16 12.00 5.16 56.83 0.09 18.43 0.74

18 Grand Ridge National Bank 91.52 1.54 14.08 5.64 60.10 0.96 20.02 0.70

19 First New Mexico Bank, Las Cruces 7.83 1.24 10.04 4.54 58.12 0.15 26.73 0.55

20 The First National Bank of McGregor 29.60 1.16 13.29 4.99 67.01 0.03 15.07 0.91

21 Incommons Bank, N.A. 16.61 1.01 10.41 5.00 72.73 0.52 31.57 1.05

22 Normangee State Bank 3.86 1.91 14.05 5.10 44.38 0.43 26.68 0.45

23 Oregon Community Bank & Trust 27.03 1.73 13.04 4.17 43.95 1.43 20.72 0.87

24 Patterson State Bank 10.51 1.05 10.58 4.25 65.61 0.33 25.92 0.96

25 Tri-County Bank 7.03 1.05 10.51 4.08 65.03 0.10 32.38 0.70

26 McKenzie Banking Company 2.81 1.98 13.96 4.71 54.54 1.93 25.71 2.77

27 Security First National Bank of Hugo 3.19 1.92 24.30 5.29 50.80 1.63 23.59 0.92

28 People's Bank of Seneca 20.46 1.43 17.06 3.98 52.59 0.84 16.90 1.00

29 United Community Bank of West Kentucky, Inc. 0.68 1.56 13.32 4.29 50.01 0.19 21.11 0.71

30 Bank of Cushing (0.38) 1.20 10.34 4.76 54.49 0.82 39.74 0.80

31 Mid-America Bank 17.51 1.53 14.17 4.21 65.09 0.45 14.69 1.24

32 T Bank, National Association 10.66 2.13 14.95 4.69 76.11 0.59 17.74 8.79

33 Main Street Bank 18.59 1.61 18.53 4.19 74.83 0.03 12.34 6.58

34 Ann Arbor State Bank 2.09 1.33 11.88 3.83 56.36 0.21 27.37 0.79

35 Three Rivers Bank of Montana (5.90) 1.29 9.14 4.88 64.25 0.29 36.29 1.48

36 Farmers & Merchants Bank 6.13 1.06 10.78 4.23 59.84 0.09 23.97 0.55

37 Guaranty Bank and Trust Company 87.07 1.07 9.33 4.27 63.09 0.34 25.37 0.45

38 County Bank (2.07) 1.32 11.35 4.82 56.14 0.60 26.90 0.78

39 Mid America Bank & Trust Company 1.42 3.30 19.94 4.11 39.84 1.08 18.63 5.70

40 Metro Phoenix Bank 37.23 1.30 9.68 5.03 65.20 2.02 19.96 1.76

41 The Farmers and Merchants Bank 0.58 2.64 21.50 5.22 44.02 2.22 21.85 1.43

42 First Madison Bank & Trust 8.12 1.56 12.92 4.50 45.38 0.29 13.71 0.55

43 Cheaha Bank 4.94 1.82 15.89 5.06 48.15 0.11 13.39 0.47

44 Teton Banks 9.24 2.00 15.12 3.58 46.26 0.40 22.17 0.57

45 LCA Bank Corporation 25.26 2.17 17.01 7.72 37.11 0.00 0.67 0.15

46 The First National Bank of Groton 9.81 1.23 8.85 4.64 56.89 0.51 21.18 0.51

47 Community First Bank of Indiana 18.76 1.08 10.01 4.57 62.29 0.86 15.64 1.09

47 Quoin Financial Bank 10.96 1.41 13.55 4.08 50.67 1.14 19.37 0.64

49 Huron Valley State Bank 8.70 0.97 9.08 4.34 66.73 0.39 37.62 0.53

50 The Citizens Bank Company 5.44 1.35 10.88 4.14 53.85 0.12 18.32 0.48

51 Garrison State Bank and Trust 5.97 1.30 13.52 4.14 52.51 0.36 19.42 0.50

52 USNY Bank 19.38 1.35 15.00 4.10 48.04 0.49 15.38 0.43

53 Lighthouse Bank 8.95 1.19 7.98 4.64 53.40 0.00 23.80 0.18

54 Bank of San Francisco 17.58 0.79 8.66 4.25 69.98 0.13 36.39 0.54

55 Founders Community Bank 20.09 0.88 9.60 3.98 64.94 0.00 43.24 0.26

PEER GROUP 2: $100 - 250 Million

CB Top Ten




56 McClain Bank 9.67 0.92 9.13 4.02 68.75 0.42 28.00 0.98

57 Farmers State Bank 15.55 1.36 13.51 3.78 42.09 0.01 20.45 0.19

58 Citizens State Bank 6.30 1.27 12.18 3.45 49.71 0.00 37.84 0.34

59 First Partners Bank 24.74 1.06 8.72 4.55 63.86 0.67 15.64 0.97

60 Bank of Birmingham 20.30 0.89 10.38 4.01 59.82 0.98 25.15 0.70

61 The Farmers State Bank of Waupaca 0.66 1.26 8.65 4.56 57.60 0.24 21.15 0.67

61 The First National Bank of Waynesboro 0.52 1.34 8.09 4.52 57.71 0.71 23.51 1.06

63 First Century Bank, National Association 40.15 2.62 35.91 3.16 79.53 1.14 55.05 6.47

64 Community State Bank 7.79 1.02 10.17 3.89 59.79 0.08 20.29 0.58

65 Bank of Cleveland 6.91 1.40 8.82 4.64 57.51 1.92 20.43 1.06

66 Leitchfield Deposit Bank & Trust Company 11.32 1.42 9.65 4.09 50.24 1.01 28.63 0.32

67 Savoy Bank 51.85 1.17 11.76 4.49 72.51 1.25 21.88 0.63

68 Sanger Bank 8.91 1.11 8.85 3.84 62.61 0.00 25.42 0.44

69 Alden State Bank (0.70) 1.52 12.90 4.69 55.36 1.48 23.50 0.75

70 Pinnacle Bank-Jasper 10.76 1.04 8.97 3.77 64.23 0.20 25.67 0.60

71 Bank of Michigan 5.54 0.87 9.20 4.42 78.10 0.62 37.01 2.14

72 Northwestern Bank (2.79) 1.73 14.67 3.83 37.58 0.18 18.22 0.77

73 Access Bank 11.68 0.84 8.89 4.23 70.10 0.04 32.04 0.45

74 First State Bank-Irvington 2.35 1.14 10.59 3.58 63.84 0.31 30.12 1.06

75 Community Bank 6.25 1.38 14.87 4.67 57.20 0.58 15.56 0.47

75 ValueBank Texas 3.46 0.88 8.68 4.54 77.57 0.50 46.75 2.00

77 Schertz Bank & Trust 6.85 1.10 10.14 4.08 59.96 0.07 21.38 0.41

78 Westbound Bank 26.63 0.98 5.99 4.00 77.30 0.08 25.18 2.04

79 Badger Bank 5.02 1.09 9.54 4.33 61.46 1.38 22.24 1.06

80 Texas Republic Bank, National Association 24.44 0.98 8.80 4.97 65.55 0.25 22.22 0.30

81 Summit Bank-Oakland 8.82 0.92 7.76 4.10 62.80 0.25 47.25 0.44

82 High Country Bank 8.40 1.09 10.60 4.87 64.61 0.50 12.77 0.81

83 The Peoples Bank 15.29 1.25 13.47 4.28 55.91 0.32 14.71 0.34

84 The Fahey Banking Company 10.93 1.79 7.77 4.35 53.42 4.45 20.02 1.46

85 Bank of Anguilla 2.46 0.98 9.21 4.34 71.81 0.55 27.07 1.14

86 River Community Bank, National Association 25.45 1.44 16.82 5.29 79.85 1.79 14.78 7.29

87 The First National Bank of Grayson 18.31 0.87 8.65 3.85 71.32 0.68 28.34 1.34

88 Fiduciary Trust Company International 7.16 7.13 8.29 1.71 81.90 0.00 100.00 68.77

89 The Napoleon State Bank 5.27 1.06 10.51 3.95 55.69 0.49 18.42 0.67

90 Merchants Bank (5.04) 1.06 12.15 4.45 51.41 0.00 32.28 0.12

91 The Scott County State Bank 18.20 1.01 9.85 4.11 67.91 1.92 27.10 0.74

92 First Security Bank of Kentucky 4.61 0.93 11.17 4.70 69.62 0.28 15.67 0.93

93 Pinnacle Bank-Marshalltown 7.32 0.95 8.94 2.93 56.06 0.40 60.73 0.87

94 Community Valley Bank 16.17 1.10 9.29 4.59 71.09 1.25 18.36 0.83

95 First State Bank-Russellville 1.02 1.02 9.18 3.76 62.19 0.16 26.93 0.72

96 Community Business Bank 16.70 0.94 7.74 4.03 63.72 0.00 31.57 0.17

97 Exchange Bank of Missouri 20.18 0.89 8.12 4.51 66.54 0.18 15.16 0.62

98 Willamette Valley Bank 45.97 1.36 12.08 4.30 84.20 1.42 15.99 10.13

99 Kirkwood Bank & Trust Co. 0.02 0.90 11.52 3.35 67.94 0.00 34.39 1.24

100 Gateway Bank of Southwest Florida 12.08 0.84 8.78 3.83 69.66 0.17 23.81 0.68

101 Boone Bank & Trust Co. 10.56 1.24 11.79 3.58 51.28 0.24 11.56 0.73

101 Security State Bank (2.21) 1.05 8.72 3.52 60.90 0.00 31.18 0.84

103 State Bank of Arthur 3.43 1.11 7.92 4.06 55.78 0.76 26.97 0.59



All Banks: Median 3.01 0.75 6.71 3.75 71.38 0.90 19.36 0.49


Top Ten Percent of Banks: How They Rank PEER GROUP 2: $100 - 250 Million

CB Top Ten


Criteria





Who They Are


Alterra Bank Leawood KS 286,418 48 2

Amerasia Bank Flushing NY 467,321 61 3

Andrew Johnson Bank Greeneville TN 329,823 98 7

Apex Bank Camden TN 379,079 97 9

Bank of Prairie du Sac Prairie Du Sac WI 369,605 47 2

Bank of Wisconsin Dells Wisconsin Dells WI 432,885 71 3

Belmont Bank & Trust Company Chicago IL 316,811 33 2

Canon National Bank Canon City CO 253,143 81 9

Capital Bank-Jacinto City Jacinto City TX 332,838 83 6

Capital Bank-San Juan Capistrano San Juan Capistrano CA 263,321 33 2

Celtic Bank Salt Lake City UT 415,174 129 1

Central Bank of Sedalia Sedalia MO 396,301 83 1

Citizens' Bank & Trust Co. Van Buren AR 373,970 108 7

Citizens State Bank Tyler TX 321,636 76 8

Commerce West Bank Irvine CA 459,042 62 3

Commercial Bank and Trust of PA Latrobe PA 383,662 98 10

Commercial State Bank El Campo TX 316,783 62 4

Cross River Bank Teaneck NJ 382,060 85 1

Farmers & Mechanics Bank Galesburg IL 286,979 67 4

Fidelity Bank Wichita Falls TX 369,441 70 6

First Bank Hampton AR 360,005 112 10

First Bank, National Association Conroe TX 370,906 99 8

First Community Bank of Bedford County Shelbyville TN 409,567 323 4

First Community Bank, National Association San Benito TX 325,235 103 8

First Florida Bank Destin FL 314,714 58 4

First Intercontinental Bank Doraville GA 273,187 70 4

First National Bank of Michigan Kalamazoo MI 396,142 49 4

First National Bank South Alma GA 331,490 89 4

First State Bank Athens TX 391,370 97 5

First State Bank of St. Charles, Missouri St. Charles MO 331,906 193 5

FNB Bank Scottsboro AL 366,563 100 8

FNB Bank, Inc. Mayfield KY 423,559 90 8

Grand Bank Tulsa OK 258,219 60 3

Islanders Bank Friday Harbor WA 259,614 50 3

Jonah Bank of Wyoming Casper WY 292,934 73 3

Meadows Bank Las Vegas NV 484,533 107 4

North American Banking Company Roseville MN 382,144 59 4

Northpointe Bank Grand Rapids MI 417,625 187 1

Oak Bank Fitchburg WI 275,548 30 1

Ohio Valley Financial Group Henderson KY 389,805 131 7

Parkside Financial Bank & Trust Clayton MO 359,715 43 1

Peoples Bank-Lawrence Lawrence KS 497,886 663 13

Peoples Bank-Lubbock Lubbock TX 377,205 97 7

Peoples National Bank Colorado Springs CO 344,014 243 6

Pioneer Trust Bank, National Association Salem OR 384,967 63 2

Platte Valley Bank Torrington WY 338,075 78 6

Premier Business Bank Los Angeles CA 252,023 30 1

Quantum National Bank Suwanee GA 363,042 49 2

RidgeStone Bank Brookfield WI 423,387 148 2

Rio Bank Mcallen TX 265,431 98 9


CB Top Ten



Rock Canyon Bank Provo UT 259,844 88 4

San Diego Private Bank Coronado CA 440,921 62 4

Sanibel Captiva Community Bank Sanibel FL 284,927 53 4

Seacoast Commerce Bank San Diego CA 463,357 100 5

South Louisiana Bank, Houma, Louisiana Houma LA 476,227 123 6

Summit State Bank Santa Rosa CA 492,283 65 5

Synergy Bank Houma LA 488,712 111 5

The Bank & Trust of Bryan/College Station Bryan TX 463,499 73 5

The Bank of Northern Michigan Petoskey MI 405,362 40 2

The Bank of Old Monroe Old Monroe MO 311,003 57 4

The Bank of South Carolina Charleston SC 369,377 77 4

The Bank of Tioga Tioga ND 291,047 20 2

The Dart Bank Mason MI 305,895 126 3

The Eastman National Bank of Newkirk Newkirk OK 256,784 60 3

The Hometown Bank of Alabama Oneonta AL 320,054 58 3

The Peoples Bank Ripley MS 387,987 80 2

The State Bank Fenton MI 415,611 123 8

Verus Bank of Commerce Fort Collins CO 281,947 16 1


CB Top Ten






1 Cross River Bank 38.71 2.45 24.53 5.70 46.20 0.03 28.21 3.72

2 The Eastman National Bank of Newkirk 25.04 1.31 12.88 4.15 51.87 0.29 37.09 0.78

3 Rock Canyon Bank 39.36 1.44 14.88 5.75 66.02 0.17 24.56 1.45

4 The Bank of Tioga 118.38 1.79 21.48 4.40 38.69 0.00 37.69 0.16

5 Seacoast Commerce Bank 25.84 1.27 15.25 4.71 67.33 0.54 34.28 2.76

6 Meadows Bank 17.42 1.58 11.28 5.18 59.18 0.81 42.88 0.99

7 The Bank & Trust of Bryan/College Station 16.67 1.35 13.55 4.06 53.80 0.05 40.99 0.55

8 First State Bank 5.70 1.31 12.47 4.46 57.33 0.11 33.43 0.93

9 Ohio Valley Financial Group 99.49 1.29 12.35 4.59 69.94 0.37 24.93 1.82

10 First Community Bank of Bedford County 35.79 2.18 16.64 3.85 69.40 0.28 22.76 8.41

11 The Bank of Old Monroe 12.44 1.62 12.32 4.08 44.38 0.21 20.46 0.71

12 Alterra Bank 21.35 1.42 10.97 5.19 52.27 1.17 19.21 1.80

13 Commercial Bank and Trust of PA (1.21) 2.13 14.15 4.71 63.66 0.16 35.53 0.85

14 Citizens State Bank 2.60 1.31 11.97 3.86 53.69 0.20 34.34 0.81

15 Commerce West Bank 17.26 0.98 7.23 4.37 63.97 0.00 56.49 0.81

16 The Bank of Northern Michigan 9.14 5.89 52.22 18.90 69.54 0.38 15.50 2.48

17 Amerasia Bank 17.15 1.69 16.89 5.08 39.26 0.32 20.21 0.24

18 Citizens' Bank & Trust Co. 4.79 1.77 15.01 4.64 45.50 0.30 18.09 0.69

19 Celtic Bank 37.41 4.29 31.14 6.95 47.21 1.94 3.51 10.06

20 First National Bank South 5.96 2.24 14.98 5.49 46.42 3.15 26.68 0.97

21 The State Bank 12.63 1.01 10.52 3.96 70.23 0.25 31.90 1.70

22 Grand Bank 23.26 1.26 10.67 5.11 63.80 0.18 25.17 0.36

23 First Bank, National Association (0.49) 1.11 14.32 4.57 66.97 0.29 43.04 0.91

24 North American Banking Company 6.28 1.13 12.80 3.70 56.96 0.29 28.09 0.89

25 First State Bank of St. Charles, Missouri 24.54 1.39 11.44 3.71 81.36 0.25 28.61 8.87

26 Summit State Bank 14.19 1.47 10.08 3.70 49.88 0.29 23.91 0.67

27 First Intercontinental Bank (27.51) 2.33 15.32 4.08 49.05 1.08 39.03 3.52

28 Commercial State Bank 6.31 1.08 10.12 4.31 65.17 0.00 44.11 0.49

29 Peoples Bank-Lawrence 22.33 2.89 29.94 4.54 81.25 2.79 33.09 20.89

30 Platte Valley Bank 9.15 1.43 13.14 5.34 57.47 0.45 14.20 0.76

31 Pioneer Trust Bank, National Association 6.46 1.93 15.93 3.84 38.40 0.35 9.09 1.74

32 Capital Bank-Jacinto City 11.59 0.96 10.56 4.50 67.45 0.02 36.39 0.52

33 South Louisiana Bank, Houma, Louisiana 8.18 1.14 9.45 3.78 61.14 0.60 31.68 1.27

34 Apex Bank 13.81 4.28 26.86 8.91 31.99 7.91 13.17 1.46

35 Peoples National Bank 16.63 2.88 28.54 3.53 72.87 0.85 28.05 13.08

36 Islanders Bank 10.24 1.32 9.63 4.06 54.49 0.65 30.48 0.51

37 Quantum National Bank 16.77 1.45 13.41 4.78 56.86 1.22 15.81 0.75

38 Synergy Bank 9.83 1.22 12.62 3.82 53.72 0.36 22.45 0.58

39 Peoples Bank-Lubbock 9.51 1.02 9.93 4.36 68.00 0.46 24.50 1.10

40 The Bank of South Carolina 1.22 1.40 13.79 4.44 57.64 0.79 33.20 0.58

41 Andrew Johnson Bank 19.88 0.94 9.62 4.71 65.07 0.38 20.86 0.85

42 First Florida Bank 35.12 0.97 9.02 3.52 58.87 0.36 27.06 1.03

43 First Bank 15.40 0.96 10.06 4.27 67.28 0.91 32.64 1.01

44 Oak Bank 25.47 1.17 10.41 3.92 53.81 0.44 19.00 0.63

45 Sanibel Captiva Community Bank 9.43 1.34 15.02 4.11 53.22 1.64 25.35 0.63

46 Parkside Financial Bank & Trust 6.05 0.93 9.82 3.60 64.73 0.00 32.40 1.45

47 FNB Bank 2.23 1.23 9.90 4.29 62.44 0.10 20.12 0.90

47 Jonah Bank of Wyoming (6.27) 1.06 11.89 3.86 66.08 0.00 35.86 1.35

49 Premier Business Bank 29.21 0.98 9.37 3.87 57.19 0.00 19.23 0.60

50 First National Bank of Michigan 23.07 1.23 13.55 3.43 50.26 0.00 22.09 0.29

51 First Community Bank, National Association 4.67 0.93 11.05 4.66 68.32 0.37 32.88 0.80

52 Capital Bank-San Juan Capistrano 8.59 1.13 11.55 4.29 58.06 0.00 13.22 0.65

53 Rio Bank 2.11 1.15 12.62 4.95 69.55 1.08 31.46 1.28

54 Central Bank of Sedalia 5.86 1.21 13.11 3.55 55.05 0.47 20.26 1.09

55 RidgeStone Bank 14.64 2.16 17.53 5.88 66.48 1.74 11.68 7.41


CB Top Ten




56 San Diego Private Bank 8.22 1.09 9.08 4.34 57.82 0.31 32.58 0.35

57 The Peoples Bank 14.48 1.24 12.00 3.16 52.98 0.05 16.49 0.95

58 The Dart Bank 10.71 1.05 9.87 4.47 78.69 0.62 25.70 2.93

59 Bank of Prairie du Sac (7.63) 1.61 10.80 3.95 37.00 0.10 100.00 0.38

60 Farmers & Mechanics Bank 9.76 1.12 8.51 3.73 61.45 0.04 17.26 1.51

61 Fidelity Bank (5.47) 1.30 12.24 4.50 52.49 0.57 39.57 0.51

61 The Hometown Bank of Alabama 7.28 1.59 13.04 4.63 53.45 1.79 13.13 1.26

63 Northpointe Bank (1.77) 4.52 51.93 4.89 48.67 1.21 12.47 8.97

64 Canon National Bank 2.70 1.01 9.52 4.46 69.58 0.45 35.28 0.99

65 Belmont Bank & Trust Company 24.18 1.22 12.79 4.00 47.06 0.98 21.72 0.32

66 FNB Bank, Inc. 1.75 1.13 10.33 3.92 56.09 0.18 26.41 0.64

67 Verus Bank of Commerce 11.46 1.76 12.10 4.70 36.85 0.57 15.83 0.28

68 Bank of Wisconsin Dells 5.79 1.31 11.33 4.18 44.59 0.18 16.21 0.44



All Banks: Median 3.98 0.83 7.68 3.65 68.50 0.84 19.70 0.63


Top Ten Percent of Banks: How They Rank PEER GROUP 3: $250 - 500 Million

CB Top Ten


Criteria



Asset Size: $500 Million - $1 Billion


Who They Are


Anderson Brothers Bank Mullins SC 509,953 235 18

Bank of Utah Ogden UT 916,112 283 13

Bay Commercial Bank Walnut Creek CA 606,021 106 11

Biscayne Bank Miami FL 588,938 60 4

Bridgewater Bank Bloomington MN 785,405 65 4

Cache Valley Bank Logan UT 854,932 210 13

Capital Bank, National Association Rockville MD 660,905 157 3

Central Bank Illinois Geneseo IL 526,460 80 4

Central Bank of Lake of the Ozarks Osage Beach MO 620,758 147 8

Citizens Bank Carthage TN 542,591 76 8

Clear Mountain Bank Bruceton Mills WV 513,775 138 12

Commercial Bank of Texas, National Association Nacogdoches TX 557,131 161 15

Community National Bank & Trust of Texas Corsicana TX 525,660 143 10

CWBB Los Angeles CA 744,028 118 5

First American Bank and Trust Vacherie LA 821,121 211 24

First Bank & Trust Sioux Falls SD 760,351 127 6

First Bank & Trust East Texas Diboll TX 917,136 289 16

First National Bank-Fort Pierre Fort Pierre SD 790,051 125 14

First National Bank-Paragould Paragould AR 981,290 196 10

Heritage Bank of Nevada Reno NV 585,535 69 6

HomeTown Bank, National Association Galveston TX 529,185 95 7

Independence Bank Havre MT 568,980 89 6

Jefferson Bank of Missouri Jefferson City MO 509,740 99 4

Leader Bank, National Association Arlington MA 984,231 209 7

Level One Bank Farmington Hills MI 881,779 169 10

Marlin Business Bank Salt Lake City UT 713,692 5 1

Metro City Bank Doraville GA 643,775 102 8

Open Bank Los Angeles CA 564,772 108 5

Pacific City Bank Los Angeles CA 998,136 178 9

Plumas Bank Quincy CA 557,087 138 12

Post Oak Bank, N.A. Houston TX 937,545 129 8

Rocky Mountain Bank Billings MT 508,261 131 10

Santa Cruz County Bank Santa Cruz CA 500,494 83 5

Signature Bank Chicago IL 580,108 41 2

SouthEast Bank Farragut TN 780,524 146 10

State Bank of Southern Utah Cedar City UT 850,918 169 13

The First National Bank and Trust Co., Chickasha, Oklahoma Chickasha OK 509,694 152 10

The First National Bank of Bellville Bellville TX 590,012 48 3

The Pitney Bowes Bank, Inc. Salt Lake City UT 745,100 16 1

The Security National Bank of Sioux City, Iowa Sioux City IA 966,779 194 9

Thomasville National Bank Thomasville GA 673,080 98 3

Top Ten Percent of Banks: Who They Are PEER GROUP 4: $500 Million - $1 Billion

CB Top Ten






1 Metro City Bank 20.88 2.68 21.14 4.87 37.64 0.71 29.00 2.36

2 Bay Commercial Bank 40.30 2.51 21.40 3.97 55.94 0.29 28.93 2.81

3 Level One Bank 46.81 1.76 17.52 4.75 53.45 0.31 26.19 1.24

4 CWBB 27.72 1.69 14.45 4.09 48.18 0.46 21.76 1.60

4 The First National Bank and Trust Co., Chickasha, OK 9.10 1.47 12.38 4.68 50.86 0.31 36.22 1.11

6 Santa Cruz County Bank 17.70 1.10 13.02 4.26 58.31 0.00 42.83 0.83

7 Pacific City Bank 23.31 1.35 14.28 3.96 56.42 0.28 25.28 1.41

8 Central Bank of Lake of the Ozarks 28.55 1.33 15.88 3.82 57.82 0.38 29.97 1.47

9 Jefferson Bank of Missouri 9.22 1.54 18.79 4.18 50.23 0.41 26.50 1.23

10 First Bank & Trust 18.25 1.29 11.91 4.46 61.78 0.09 23.32 1.27

11 Cache Valley Bank 4.89 1.74 16.78 4.63 47.49 0.93 34.48 1.74

12 First National Bank-Fort Pierre (0.87) 2.89 12.14 8.98 39.16 0.52 23.43 3.53

13 Leader Bank, National Association 32.68 1.66 14.79 3.10 47.95 0.08 19.48 2.52

14 Bank of Utah 13.68 1.73 12.53 4.13 52.43 0.08 5.87 2.25

15 Biscayne Bank 33.00 1.33 16.70 3.95 44.44 0.12 26.08 0.27

16 First American Bank and Trust 5.97 1.38 11.43 3.99 57.36 0.25 32.90 0.94

17 Heritage Bank of Nevada 9.71 1.90 16.42 4.50 43.96 0.95 35.37 0.52

18 Open Bank 12.76 1.09 8.58 4.22 65.86 0.12 34.73 1.51

19 Central Bank Illinois 11.44 1.71 14.15 4.16 45.51 0.73 25.15 0.56

20 The Security National Bank of Sioux City, Iowa 25.75 1.13 11.99 2.83 58.71 0.12 31.41 1.65

21 Anderson Brothers Bank 8.18 1.56 17.29 7.21 63.28 2.65 28.88 1.46

22 The Pitney Bowes Bank, Inc. (1.51) 9.71 79.09 12.94 2.78 0.62 8.50 3.67

23 Marlin Business Bank 2.74 2.96 17.12 10.39 42.91 0.01 0.08 0.78

24 First Bank & Trust East Texas (0.57) 1.25 12.82 4.05 59.79 0.49 33.79 1.15

25 Community National Bank & Trust of Texas 1.47 1.30 11.19 4.65 58.82 0.80 42.41 0.93

26 Bridgewater Bank 24.43 1.30 13.97 4.29 40.97 0.49 19.90 0.06

27 Capital Bank, National Association 15.75 1.18 13.48 5.00 73.39 1.03 20.04 2.82

28 Signature Bank 21.41 1.67 16.82 3.68 47.67 1.11 27.47 0.46

29 The First National Bank of Bellville 13.28 1.56 11.59 3.77 39.93 0.00 11.20 0.59

30 Plumas Bank 7.07 1.06 10.74 4.38 62.96 1.44 38.85 1.31

31 First National Bank-Paragould 30.72 1.19 10.26 3.95 50.74 0.30 7.40 0.87

32 Clear Mountain Bank 10.85 1.05 9.94 4.05 60.36 0.86 25.79 1.17

33 Citizens Bank 3.57 2.48 14.99 4.86 25.81 0.83 14.94 0.69

33 State Bank of Southern Utah 6.08 1.42 11.40 3.77 48.93 0.58 22.39 0.78

35 Commercial Bank of Texas, National Association 9.88 1.21 11.86 3.53 65.50 0.61 28.86 1.77

36 Post Oak Bank, N.A. 8.11 1.10 11.44 4.09 56.34 0.13 32.04 0.11

37 SouthEast Bank 25.95 1.43 15.24 4.21 51.69 3.59 8.24 1.63

38 Thomasville National Bank 7.19 1.47 16.74 3.59 45.65 0.60 13.40 1.30

39 HomeTown Bank, National Association 7.81 1.12 11.23 4.05 57.41 0.25 25.44 0.36

39 Independence Bank 4.91 1.70 13.51 4.56 38.57 0.42 18.48 0.22

41 Rocky Mountain Bank 16.89 0.98 9.37 4.23 74.17 0.43 21.34 2.13



All Banks: Median 5.09 0.87 8.23 3.64 67.16 0.83 18.64 0.70


PEER GROUP 4: $500 Million - $1 Billion

CB Top Ten


Criteria



Asset Size: $1 - 3 Billion


Who They Are


Access National Bank Reston VA 1,165,559 233 5

American Bank Center Dickinson ND 1,338,382 333 17

American Chartered Bank Schaumburg IL 2,793,040 311 16

Bank of American Fork American Fork UT 1,149,046 237 14

California Republic Bank Irvine CA 1,482,524 395 4

Central Bank of Boone County Columbia MO 1,515,978 304 16

Central Bank of St. Louis Clayton MO 1,583,672 254 15

Central Bank of the Ozarks Springfield MO 1,134,421 245 21

Dubuque Bank and Trust Company Dubuque IA 1,541,609 432 13

EnerBank USA Salt Lake City UT 1,060,699 233 1

Exchange Bank Santa Rosa CA 1,941,252 377 19

Farmers & Merchants Bank of Central California Lodi CA 2,459,232 316 22

German American Bancorp Jasper IN 2,251,636 485 36

Heritage Bank of Commerce San Jose CA 1,679,848 243 11

Lake Forest Bank and Trust Company Lake Forest IL 2,763,520 405 6

Landmark Bank, National Association Columbia MO 2,308,490 682 41

LCNB National Bank Lebanon OH 1,247,954 304 36

Merchants Bank of Indiana Carmel IN 2,225,005 115 4

Merrick Bank South Jordan UT 2,288,639 202 1

Monarch Bank Chesapeake VA 1,170,363 645 13

New Mexico Bank & Trust Albuquerque NM 1,141,575 164 15

Northern Bank & Trust Company Woburn MA 1,339,525 161 12

Northrim Bank Anchorage AK 1,493,919 428 7

Preferred Bank Los Angeles CA 2,170,313 166 11

The Commerce Bank of Washington, National Association Seattle WA 1,028,646 75 2

Tompkins Trust Company Ithaca NY 1,726,803 437 12

West Bank West Des Moines IA 1,644,262 173 11

WEX Bank Midvale UT 1,759,719 38 1

Wilmington Trust, National Association Wilmington DE 2,076,604 364 3

Top Ten Percent of Banks: Who They Are PEER GROUP 5: $1 - 3 Billion

CB Top Ten






1 WEX Bank 9.86 8.25 70.92 19.35 50.21 0.34 59.69 11.49

2 Bank of American Fork 12.80 1.49 12.79 4.52 56.48 0.50 32.91 1.24

3 Merchants Bank of Indiana 48.74 1.56 19.10 2.22 25.93 0.03 32.02 1.38

4 California Republic Bank 64.49 1.05 10.47 4.30 71.83 0.02 64.41 3.04

5 Access National Bank 21.52 1.50 17.24 3.70 61.47 0.68 37.14 2.47

6 American Bank Center 17.75 1.12 12.80 3.87 60.81 0.12 22.70 1.43

7 Monarch Bank 19.49 1.27 11.66 4.26 83.00 0.19 30.04 8.35

8 Lake Forest Bank and Trust Company 5.06 1.70 16.58 3.16 45.38 0.41 36.69 2.47

9 The Commerce Bank of Washington, N.A. 30.69 1.60 15.21 3.35 34.91 0.37 50.24 0.34

10 Central Bank of Boone County 9.26 1.21 14.56 3.25 58.14 0.31 35.64 1.44

11 Farmers & Merchants Bank of Central California 8.31 1.14 10.93 3.78 54.41 0.22 37.90 0.75

12 Exchange Bank 6.37 1.14 13.06 3.87 64.70 0.33 37.48 1.13

13 American Chartered Bank 13.74 1.16 14.27 3.53 51.48 0.62 51.94 0.73

14 Northrim Bank 7.15 1.27 10.35 4.56 69.91 0.53 36.54 2.88

15 Central Bank of the Ozarks 13.48 1.03 11.44 3.71 63.95 0.25 31.82 1.26

16 Northern Bank & Trust Company 9.19 1.47 16.19 4.30 46.23 0.14 20.07 0.27

17 Dubuque Bank and Trust Company 4.38 1.83 18.95 3.33 61.77 0.33 28.59 3.53

18 Central Bank of St. Louis 13.71 1.39 13.00 3.82 55.25 0.80 25.50 1.00

19 Heritage Bank of Commerce 7.86 1.11 10.29 4.62 61.35 0.31 39.89 0.49

20 German American Bancorp 2.21 1.32 13.54 3.74 56.03 0.26 23.91 1.13

21 West Bank 5.40 1.33 14.22 3.63 46.07 0.18 31.76 0.46

22 Preferred Bank 11.30 1.35 11.76 3.93 41.17 0.37 27.62 0.23

23 New Mexico Bank & Trust (0.18) 1.39 15.09 3.82 59.05 0.62 45.25 0.96

24 Tompkins Trust Company 5.30 1.48 21.36 3.09 60.69 0.22 23.37 2.97

25 EnerBank USA 10.28 2.66 24.68 8.12 39.27 0.13 0.00 0.21

26 Merrick Bank 5.85 6.43 30.39 21.52 28.97 2.21 8.29 4.44

27 Landmark Bank, National Association 14.31 1.03 11.75 4.08 65.99 0.67 23.76 1.46

28 Wilmington Trust, National Association (50.06) 2.86 15.78 3.23 62.39 0.42 97.96 11.90

29 LCNB National Bank 25.65 1.04 9.62 3.88 62.40 0.28 21.14 0.89



All Banks: Median 6.82 0.92 8.38 3.62 65.31 0.69 22.38 0.77


PEER GROUP 5: $1 - 3 Billion

TOP TEN PERCENT OF SUB-S BANKS

CB Top Ten


Criteria



Asset Size: Less Than $100 Million

Subchapter-S Banks?: Yes

Who They Are


Auburn Banking Company Auburn KY 72,662 19 2

Bank of Commerce Mclean TX 34,615 9 2

Bank of Galesville Galesville WI 92,697 21 3

Bank of Hartington Hartington NE 78,182 18 2

Bank of Montana Missoula MT 53,247 10 1

Bank of Morton Morton MS 64,097 14 1

Basile State Bank Basile LA 57,490 17 2

Boston Trust & Investment Management Company Boston MA 48,498 59 1

Brown County State Bank Mount Sterling IL 98,648 16 2

Citizens Bank Amsterdam MO 61,114 26 5

Citizens State Bank of Waverly, Inc. Waverly MN 67,325 16 2

Cleo State Bank Cleo Springs OK 99,637 16 4

Commerce Bank Corinth MS 96,234 27 1

Commercial Capital Bank Delhi LA 73,695 19 1

Commercial State Bank Palmer TX 72,723 19 3

Community National Bank of Okarche Okarche OK 87,005 15 2

Crowell State Bank Crowell TX 36,290 11 1

Drake Bank Saint Paul MN 86,196 20 1

Fannin Bank Bonham TX 84,155 28 2

Farmers and Merchants Bank Maysville OK 21,953 6 1

Farmers and Merchants Bank of Kendall Kendall WI 72,003 16 4

Farmers State Bank of Underwood Underwood MN 59,699 14 3

Farmers State Bank, Allen, Oklahoma Allen OK 43,696 12 1

First Bank of Chandler Chandler OK 87,437 18 1

First Bank of Lincoln Lincoln MT 20,408 6 1

First Colorado National Bank Paonia CO 53,796 30 2

First National Bank of Dublin Dublin TX 85,062 32 3

First Neodesha Bank Neodesha KS 90,287 32 6

First Security Bank - Canby. Canby MN 67,413 13 2

First Security Bank of Roundup Roundup MT 52,854 10 1

First State Bank-Watonga Watonga OK 58,664 15 1

First State Bank-Wilmot Wilmot SD 43,935 9 2

First State Bank-Shallowater Shallowater TX 90,935 23 2

First State Bank of Le Center Le Center MN 73,103 18 2

First State Bank of Warner, S. Dak. Warner SD 62,010 11 2

Grand Timber Bank Mcgregor MN 41,436 12 1

Grant County State Bank Carson ND 32,865 7 2

Heartland State Bank Redfield SD 79,753 22 4

Heritage State Bank Lawrenceville IL 84,154 11 3

Hodge Bank & Trust Company Hodge LA 67,999 14 1

Jonesburg State Bank Jonesburg MO 70,928 21 2

Kaw Valley State Bank Eudora KS 48,132 12 1

Liberty State Bank Powers Lake ND 89,080 13 1

McIntosh County Bank Ashley ND 91,816 15 2

Metz Banking Company Nevada MO 71,292 14 2

Millennium Bank Des Plaines IL 81,919 27 1

Nebraska State Bank Oshkosh NE 49,756 11 1

Oklahoma State Bank Buffalo OK 58,034 17 2

Peoples Bank Westville OK 47,902 20 2

Peoples Bank & Trust Company Owenton KY 56,850 16 1

Top Ten Percent of Sub-S Banks: Who They Are PEER GROUP 1: Less Than $100 Million

CB Top Ten



Peoples State Bank-Blair Blair OK 16,453 12 2

Peoples State Bank-Summit Summit SD 60,740 12 2

Preston National Bank Dallas TX 64,574 18 1

Provincial Bank Lakeville MN 84,316 37 3

Riverbend Bank Fort Worth TX 50,314 17 1

Riverside Bank Sparkman AR 58,390 18 2

Security Bank Rich Hill MO 47,482 17 4

Sherburne State Bank Becker MN 90,560 26 3

Sound Banking Company Tacoma WA 53,273 6 1

State Guaranty Bank Okeene OK 44,493 12 1

The Bank of Soperton Soperton GA 39,981 15 1

The Cowboy Bank of Texas Maypearl TX 62,530 16 1

The Farmers State Bank of Blue Mound Blue Mound KS 45,750 17 3

The First National Bank of Evant Evant TX 74,099 18 2

The First National Bank of Tom Bean Tom Bean TX 66,573 24 3

The First State Bank Abernathy TX 29,209 11 1

The Morris State Bank Morris OK 74,206 23 1

The Peoples State Bank Cherryvale KS 19,693 5 1

The Security State Bank Mc Rae GA 43,004 12 1

Titan Bank, N.A. Mineral Wells TX 80,951 16 2

Tri-State Bank and Trust Haughton LA 32,216 7 2

Tustin Community Bank Tustin CA 72,650 24 1

Union Bank & Trust Company Livingston TN 82,919 16 2

Welcome State Bank Welcome MN 25,836 5 1

Western Bank of Wolf Point Wolf Point MT 91,392 18 1

Top Ten Percent of Sub-S Banks: Who They Are PEER GROUP 1: Less Than $100 Million

CB Top Ten


Top Ten Percent of Sub-S Banks: How They Rank




1 Nebraska State Bank 7.78 4.09 34.95 4.55 32.18 0.00 21.85 2.01

2 Boston Trust & Investment Management Company 16.50 45.88 49.61 5.07 54.48 0.00 0.00 104.32

3 Millennium Bank 63.86 2.27 23.46 4.60 56.28 1.42 35.65 1.19

4 First State Bank of Warner, S. Dak. 2.86 1.96 19.69 4.86 59.00 0.00 25.34 0.70

5 Grant County State Bank (5.85) 3.10 26.30 4.39 42.32 0.00 22.71 1.26

6 First Bank of Lincoln 30.10 2.24 16.77 5.76 55.77 1.47 24.96 1.98

7 Heartland State Bank 24.86 1.94 16.92 5.64 54.05 0.20 24.85 0.41

8 Commerce Bank 5.53 1.82 14.51 4.32 56.84 0.23 28.83 0.81

9 The Cowboy Bank of Texas 7.37 2.32 23.05 4.68 56.94 0.65 23.04 0.97

9 The Farmers State Bank of Blue Mound 13.92 2.25 14.18 5.08 61.71 1.59 36.23 1.63

11 Security Bank 2.26 2.72 30.23 4.77 56.91 0.52 23.00 1.53

12 Crowell State Bank 12.89 1.76 18.86 4.05 59.38 0.80 43.30 1.06

13 First Colorado National Bank 21.64 2.95 15.11 5.34 71.43 1.19 31.24 5.40

14 First National Bank of Dublin 21.63 1.33 13.31 4.66 70.78 0.05 38.92 0.79

15 Tri-State Bank and Trust 3.47 3.42 21.74 5.25 36.16 0.74 32.76 0.37

16 First Security Bank - Canby. 7.19 2.22 14.25 4.52 44.21 0.35 27.03 0.42

17 Bank of Morton 2.91 2.64 19.84 6.07 53.49 1.79 25.57 1.02

18 The Peoples State Bank 38.21 2.63 9.53 5.69 51.47 2.85 36.94 0.92

19 Titan Bank, N.A. 3.80 2.69 26.02 4.69 63.91 0.36 19.34 4.11

20 Sound Banking Company 15.65 1.77 17.75 4.85 63.91 0.56 42.75 0.41

21 Welcome State Bank (4.69) 2.38 23.45 4.25 50.33 0.14 21.68 1.71

22 Farmers and Merchants Bank of Kendall (4.18) 2.82 20.95 5.00 47.30 0.70 25.41 0.87

23 Sherburne State Bank 9.18 1.95 20.34 4.31 60.52 1.83 31.36 0.93

24 Provincial Bank 5.91 1.79 16.44 4.33 75.41 0.33 30.86 3.31

25 First State Bank-Watonga 10.93 1.73 16.83 4.48 62.79 0.31 23.44 0.60

26 Farmers and Merchants Bank 2.41 1.72 25.05 3.77 58.80 0.00 25.16 0.66

27 Heritage State Bank 15.48 2.48 23.19 5.33 54.61 0.00 17.55 0.16

28 The Morris State Bank 4.61 2.06 25.69 4.70 58.41 0.40 17.89 0.87

29 Peoples Bank & Trust Company 3.33 2.89 14.24 4.58 54.96 1.37 23.56 2.55

30 Community National Bank of Okarche 5.07 1.81 12.93 3.58 48.48 0.00 26.87 0.47

31 Oklahoma State Bank (7.27) 1.89 24.36 4.14 58.02 0.05 31.01 0.69

32 Brown County State Bank 12.31 1.84 15.94 3.48 53.27 0.29 22.94 1.10

33 Auburn Banking Company (0.75) 1.99 24.02 4.38 58.81 0.44 28.86 0.61

33 Basile State Bank (0.66) 1.98 20.06 5.45 61.53 0.81 28.80 0.78

35 Citizens Bank 8.52 1.58 22.64 5.54 71.02 1.51 29.69 1.11

35 First State Bank of Le Center (2.04) 1.86 17.46 4.65 58.10 0.34 25.40 0.76

37 Cleo State Bank 2.74 2.51 15.30 4.17 39.41 0.73 31.22 0.46

38 Peoples State Bank-Blair (6.97) 1.82 19.74 4.99 69.49 0.07 27.19 1.24

39 Liberty State Bank 8.13 2.25 23.10 4.06 35.13 0.00 21.39 0.11

40 The First National Bank of Tom Bean 1.71 1.93 22.14 4.17 60.18 0.96 26.32 1.47

41 The First National Bank of Evant 5.88 1.59 19.24 4.24 64.34 0.68 34.09 0.60

42 First Security Bank of Roundup 3.56 1.60 15.84 4.03 60.64 0.10 29.96 0.46

43 Riverside Bank 1.61 2.88 30.13 5.37 50.95 0.48 9.53 1.10

44 Metz Banking Company 2.79 1.95 17.87 4.13 50.18 0.17 27.20 0.26

45 Riverbend Bank 11.15 1.30 10.99 3.78 74.56 0.02 52.32 2.15

46 The Bank of Soperton 4.30 1.50 17.00 5.27 72.22 1.39 36.86 1.15

47 Peoples Bank (10.30) 2.29 18.42 4.77 59.13 0.47 25.71 0.98

48 First State Bank-Wilmot 3.70 1.98 18.02 4.23 49.68 0.36 23.15 0.37

49 Kaw Valley State Bank 27.92 1.38 16.31 4.27 71.40 1.39 76.27 0.78

50 Farmers State Bank, Allen, Oklahoma 3.34 2.19 19.10 5.34 57.31 4.56 27.75 0.56

51 Hodge Bank & Trust Company 3.84 2.52 16.40 4.78 46.61 0.71 17.78 0.55

52 First Bank of Chandler 5.23 2.64 25.67 5.05 40.89 0.55 22.44 0.16

53 Commercial State Bank 5.84 1.58 19.39 4.11 64.07 2.21 31.96 1.11

54 Citizens State Bank of Waverly, Inc. (14.55) 1.89 14.94 4.41 53.79 0.18 28.08 0.61

55 Preston National Bank (0.43) 2.03 14.69 5.89 65.59 0.78 37.82 0.47

PEER GROUP 1: Less Than $100 Million

CB Top Ten




56 Bank of Hartington 4.71 1.27 16.03 3.97 65.30 0.00 25.51 0.41

57 Union Bank & Trust Company 3.43 2.53 20.78 5.55 48.37 1.78 20.32 0.43

58 Tustin Community Bank 7.66 2.16 16.45 8.47 60.63 0.13 11.96 0.37

59 Commercial Capital Bank 5.44 1.78 13.69 4.88 64.82 0.42 17.30 0.74

60 First State Bank-Shallowater 2.22 1.79 12.17 4.70 59.76 0.25 21.34 0.50

61 The First State Bank (5.75) 1.52 9.87 5.95 73.92 0.19 57.08 1.36

62 Bank of Commerce (10.87) 2.03 14.71 3.29 39.18 0.29 31.79 1.49

63 Bank of Galesville 2.19 2.13 12.73 4.62 57.38 1.91 21.40 1.29

64 Farmers State Bank of Underwood 5.43 1.72 19.27 4.44 62.12 1.09 20.23 0.65

65 McIntosh County Bank 5.80 1.91 18.93 4.03 49.45 0.26 16.09 0.42

66 Bank of Montana 1.89 1.50 12.83 3.77 66.25 0.00 19.29 1.15

67 Jonesburg State Bank 4.86 1.72 21.12 4.19 61.21 0.88 21.13 0.60

68 First Neodesha Bank 13.12 1.49 16.95 4.06 64.41 0.00 2.09 0.59

69 Fannin Bank 7.41 1.23 14.83 4.79 72.37 1.17 28.54 0.76

69 The Security State Bank 0.68 1.31 9.03 4.24 70.07 0.00 27.84 0.78

71 Drake Bank 0.02 1.66 15.19 4.99 64.82 1.99 31.87 0.67

72 Grand Timber Bank 5.80 2.87 18.12 4.68 67.39 3.54 23.03 0.61

73 State Guaranty Bank 4.32 1.59 13.15 3.44 54.31 0.09 18.62 0.82

74 Western Bank of Wolf Point 5.14 1.33 13.58 3.75 57.19 0.20 23.61 0.47

75 Peoples State Bank-Summit 2.31 3.02 25.84 5.29 36.41 0.86 9.28 0.42



All Banks: Median (0.20) 1.05 9.34 3.72 68.53 0.50 20.55 0.42


Top Ten Percent of Sub-S Banks: How They Rank PEER GROUP 1: Less Than $100 Million

CB Top Ten


Criteria





Who They Are


1st Bank & Trust Broken Bow OK 128,765 44 3

ACB Bank Cherokee OK 100,913 21 3

Adrian Bank Adrian MO 138,170 31 3

Anahuac National Bank Anahuac TX 107,829 28 3

Austin County State Bank Bellville TX 126,428 22 1

Bank of Geneva Geneva IN 217,741 58 5

Bank of Hazlehurst Hazlehurst GA 114,721 28 2

Bank of Montgomery Montgomery LA 223,245 70 6

Bank of St. Elizabeth Saint Elizabeth MO 117,074 28 3

Bank of Star Valley Afton WY 140,549 26 3

Bank of the Panhandle Guymon OK 152,145 30 1

Big Bend Banks, N.A. Marfa TX 128,362 28 2

Bloomsdale Bank Bloomsdale MO 209,120 49 4

Brighton Bank Salt Lake City UT 185,024 48 4

Central Bank and Trust Lander WY 158,830 40 5

Central State Bank-Clayton Clayton IL 121,743 31 4

Central State Bank-Calera Calera AL 211,500 59 4

Century Bank of the Ozarks Gainesville MO 172,897 57 4

Citizens National Bank at Brownwood Brownwood TX 201,324 43 2

Citizens National Bank of Wills Point Wills Point TX 125,329 28 3

Citizens State Bank-Miles Miles TX 102,454 19 2

Citizens State Bank-Corrigan Corrigan TX 121,855 29 2

Citizens State Bank of La Crosse La Crosse WI 175,817 54 4

Coffee County Bank Manchester TN 137,533 35 2

Coleman County State Bank Coleman TX 104,786 30 2

Commercial State Bank, of Wagner Wagner SD 146,720 25 1

Community Bank Longview TX 222,578 39 6

Community First Bank of the Heartland Mount Vernon IL 167,302 45 5

Cumberland Security Bank, Inc. Somerset KY 171,261 63 4

Dakota Heritage Bank of North Dakota Hunter ND 202,873 39 9

Du Quoin State Bank Du Quoin IL 105,087 24 1

F & C Bank Holden MO 173,512 47 4

First Enterprise Bank Oklahoma City OK 164,524 54 4

First National Bank Arcadia LA 214,675 69 6

FirsTier Bank Kimball NE 239,182 63 6

FirstOak Bank Independence KS 100,010 31 2

Franklin State Bank & Trust Company Winnsboro LA 162,980 47 3

Great American Bank Lawrence KS 160,798 38 5

Guaranty Bank & Trust Company of Delhi, Louisiana Delhi LA 185,858 53 7

Heartland Bank Bryant AR 244,548 40 5

High Plains Bank Flagler CO 134,004 47 4

Home Exchange Bank Jamesport MO 138,081 19 3

Jackson County Bank Black River Falls WI 217,096 46 6

Kensington Bank Kensington MN 147,560 46 3

Magnolia Bank, Incorporated Magnolia KY 173,580 108 4

Mainland Bank Texas City TX 127,474 24 2

Mississippi River Bank Belle Chasse LA 141,735 27 4

NOA Bank Duluth GA 212,593 53 3

North Valley Bank Thornton CO 155,593 37 3

Oklahoma State Bank Vinita OK 125,310 36 3

Top Ten Percent of Sub-S Banks: Who They Are PEER GROUP 2: $100 - 250 Million

CB Top Ten



Points West Community Bank Julesburg CO 215,306 42 7

Prime Bank Edmond OK 217,148 30 1

Regional Missouri Bank Marceline MO 193,900 51 6

Resurgens Bank Tucker GA 127,807 25 1

Security Bank and Trust Company Paris TN 173,930 40 5

Security Bank USA Bemidji MN 127,736 36 1

Security First Bank of North Dakota New Salem ND 180,656 38 4

Security State Bank Sutherland IA 113,796 14 2

Star Bank Maple Lake MN 238,230 70 10

State Bank of De Kalb De Kalb TX 175,531 45 3

Taylor County Bank Campbellsville KY 172,765 50 2

Tejas Bank Monahans TX 129,232 16 1

Texas Bank Financial Weatherford TX 136,272 78 3

The Bank of the West Thomas OK 138,874 28 4

The Bippus State Bank Huntington IN 131,486 35 4

The Commercial Bank Crawford GA 124,035 26 3

The Commercial National Bank of Brady Brady TX 156,606 35 2

The First National Bank at Paris Paris AR 134,326 36 4

The Fisher National Bank Fisher IL 110,234 26 2

The National Bank of Andrews Andrews TX 191,571 55 2

The Union Bank of Mena Mena AR 215,639 61 3

Town & Country Bank Midwest Quincy IL 148,685 40 5

Walworth State Bank Walworth WI 247,159 47 4

Wells Bank of Platte City Platte City MO 129,683 26 3

Wyoming Bank & Trust Cheyenne WY 156,540 43 2

Yampa Valley Bank Steamboat Springs CO 213,430 51 2


CB Top Ten






1 Guaranty Bank & Trust Company of Delhi, Louisiana 9.03 2.49 28.69 4.96 50.79 0.17 34.45 0.56

2 Citizens State Bank-Miles 8.38 3.02 31.62 5.65 43.24 0.13 34.99 0.42

3 1st Bank & Trust 0.72 2.44 26.27 4.39 47.62 0.12 30.77 1.08

4 State Bank of De Kalb 19.71 2.33 19.25 4.38 53.42 0.84 25.03 1.09

5 Home Exchange Bank 9.85 2.72 24.45 3.15 29.17 0.00 25.38 0.87

6 Citizens State Bank of La Crosse 15.18 2.79 31.87 4.17 48.69 0.51 16.46 1.55

7 ACB Bank 7.57 2.67 32.04 4.94 45.42 0.70 25.04 0.58

8 Bloomsdale Bank 8.50 2.37 22.79 4.18 41.85 0.70 21.06 1.14

9 High Plains Bank 13.35 1.71 18.52 4.76 66.38 0.23 26.12 1.13

10 NOA Bank 16.26 3.36 28.04 4.18 51.21 0.24 11.27 3.62

11 The Union Bank of Mena 11.41 1.97 18.77 4.43 60.62 0.50 28.84 0.87

12 Wells Bank of Platte City 11.86 2.32 26.02 4.43 48.25 0.00 19.30 0.37

13 Tejas Bank (25.64) 3.22 29.20 4.23 42.60 0.03 23.98 1.83

14 Coleman County State Bank (0.79) 2.18 22.68 4.70 57.14 0.38 32.54 0.78

15 Cumberland Security Bank, Inc. 8.77 2.16 16.25 4.44 57.14 1.41 35.31 1.20

16 Franklin State Bank & Trust Company 19.18 1.82 22.13 4.46 60.73 0.47 29.79 0.58

17 Great American Bank 19.04 1.93 12.92 4.66 60.16 0.07 18.33 1.27

18 Community Bank 7.56 2.15 23.99 3.58 45.14 0.09 33.45 0.53

19 Security First Bank of North Dakota 1.16 2.00 18.27 4.64 58.58 0.25 23.27 1.03

20 The Bank of the West 2.51 2.39 20.83 5.26 53.24 0.00 28.31 0.19

21 The Commercial Bank 9.96 2.23 21.93 4.42 50.66 1.80 30.59 0.62

22 Dakota Heritage Bank of North Dakota 73.27 1.58 16.49 4.28 52.27 0.17 21.24 0.60

23 Prime Bank 6.82 2.69 26.19 4.54 42.82 0.00 13.75 0.41

24 Yampa Valley Bank 13.15 1.79 19.00 4.62 61.77 0.82 33.56 0.70

25 Texas Bank Financial 22.84 2.66 28.22 5.75 73.87 0.77 18.42 4.78

26 Central State Bank-Clayton 5.07 2.55 17.25 5.27 47.66 3.39 86.55 0.64

27 F & C Bank 9.54 1.53 15.75 4.99 65.82 0.40 48.44 0.72

28 Town & Country Bank Midwest (14.40) 2.38 19.94 4.39 50.32 0.20 31.68 0.82

29 Anahuac National Bank 13.83 1.44 15.34 4.68 67.16 0.30 35.75 0.84

30 The Commercial National Bank of Brady 3.86 1.88 16.52 4.07 52.64 0.02 26.25 0.57

31 First National Bank 7.15 1.66 19.89 5.11 67.18 0.55 25.09 0.94

32 Jackson County Bank 16.33 2.00 17.15 4.20 52.04 0.41 17.62 0.66

33 The National Bank of Andrews (14.95) 2.54 26.90 4.03 54.52 0.60 46.32 2.77

34 FirsTier Bank 3.11 4.20 31.05 3.83 38.92 6.99 30.99 3.80

35 Bank of Montgomery 13.39 2.26 22.91 4.67 58.41 1.25 15.09 2.44

36 Taylor County Bank 8.81 1.99 16.76 4.63 53.93 0.56 19.17 0.69

37 Du Quoin State Bank (1.02) 1.98 18.58 4.36 51.15 0.27 19.87 0.90

38 Security Bank USA 3.40 2.18 23.43 4.36 57.24 0.85 19.51 1.29

39 Security Bank and Trust Company 3.18 2.19 21.46 4.27 44.90 0.03 16.67 0.51

40 Wyoming Bank & Trust 14.64 2.32 21.87 3.59 80.15 0.24 30.61 10.13

41 Community First Bank of the Heartland (4.88) 1.91 20.27 4.65 59.37 0.50 30.18 0.97

41 The Bippus State Bank 15.00 1.77 15.87 4.20 60.58 0.09 13.74 1.20

43 Security State Bank 5.41 2.62 29.07 4.34 34.11 0.00 16.14 0.20

44 Mississippi River Bank 12.69 1.83 16.58 4.27 58.06 0.72 46.46 0.41

45 North Valley Bank 7.37 2.00 19.42 4.77 67.30 0.94 33.77 0.63

46 The First National Bank at Paris 15.11 1.75 12.07 4.93 64.14 0.80 24.60 1.08

47 Big Bend Banks, N.A. 16.79 1.27 9.80 3.87 58.19 0.00 57.97 0.77

48 Star Bank 6.33 1.82 20.35 5.11 62.51 0.50 21.30 0.57

49 Magnolia Bank, Incorporated 10.78 3.25 32.80 3.80 71.17 0.44 19.52 8.16

50 Adrian Bank 6.53 2.20 22.99 3.98 43.04 0.47 17.16 0.60

51 Points West Community Bank (0.06) 2.32 23.40 4.50 46.50 0.53 21.76 0.46

52 Bank of St. Elizabeth 7.83 1.98 17.13 4.38 57.40 0.75 21.63 0.58

53 Oklahoma State Bank (1.82) 1.66 16.22 4.82 60.42 0.63 34.14 0.83

54 Bank of Hazlehurst 7.26 2.04 15.76 4.36 57.79 2.61 36.99 0.66

55 Bank of Star Valley 13.36 1.68 15.29 4.17 56.65 0.45 26.98 0.43


CB Top Ten




56 FirstOak Bank 14.93 1.61 16.02 5.37 67.29 0.43 29.57 0.40

57 Heartland Bank 8.66 3.30 23.49 6.57 45.92 2.37 9.30 0.82

58 Citizens National Bank of Wills Point 12.80 1.58 14.72 3.94 55.26 0.00 18.21 0.55

59 Citizens National Bank at Brownwood 1.23 1.96 15.86 3.97 49.93 1.23 38.84 0.79

60 Coffee County Bank 7.56 2.44 19.18 4.79 47.41 2.82 15.33 0.82

61 First Enterprise Bank 11.94 1.99 18.40 5.20 63.78 2.63 29.60 0.54

62 Century Bank of the Ozarks 0.92 1.79 19.27 4.53 60.46 0.61 20.89 0.80

63 Citizens State Bank-Corrigan 0.30 1.79 17.54 4.10 57.11 0.38 23.10 0.72

64 Bank of the Panhandle 18.51 1.39 11.47 3.73 62.77 0.00 28.32 0.83

65 Central Bank and Trust 7.18 1.65 18.51 3.66 62.32 0.36 31.08 0.69

66 Austin County State Bank 18.02 1.59 17.02 4.52 56.44 0.17 18.21 0.31

67 Commercial State Bank, of Wagner (0.36) 2.42 22.15 4.76 41.04 0.09 13.09 0.37

68 The Fisher National Bank 7.87 1.69 16.22 4.22 57.76 0.08 10.97 0.78

69 Brighton Bank (1.46) 1.49 12.25 4.25 65.43 0.00 38.78 0.75

70 Kensington Bank 1.22 1.99 19.18 4.04 61.31 0.98 22.93 1.53

70 Resurgens Bank 4.39 1.74 13.81 4.25 65.59 0.00 16.31 0.93

72 Bank of Geneva 3.41 2.43 21.52 4.71 51.95 0.43 18.66 0.27

73 Mainland Bank 0.60 1.73 18.19 4.89 67.62 0.15 46.47 0.34

74 Central State Bank-Calera 14.60 1.31 10.63 4.46 67.31 0.18 29.08 0.77

75 Walworth State Bank 0.91 1.98 17.05 4.14 51.95 0.73 23.81 0.61

76 Regional Missouri Bank 1.73 1.88 21.02 4.04 49.83 0.76 19.15 0.75



All Banks: Median 1.15 1.26 11.76 3.84 65.43 0.64 19.62 0.56


Top Ten Percent of Sub-S Banks: How They Rank PEER GROUP 2: $100 - 250 Million

CB Top Ten


Criteria





Who They Are


Bank 7 Oklahoma City OK 493,668 70 7

Central Bank and Trust Co. Hutchinson KS 264,981 69 5

Charter Bank Corpus Christi TX 267,102 54 4

Citizens Bank of Las Cruces Las Cruces NM 479,445 99 6

City Savings Bank & Trust Company Deridder LA 307,240 106 9

Clear Lake Bank and Trust Company Clear Lake IA 356,892 79 4

Farmers Exchange Bank Cherokee OK 277,275 30 4

First Bank Burkburnett TX 337,138 140 6

First Bank of Owasso Owasso OK 259,287 69 3

First Community Bank Corpus Christi TX 384,927 160 9

First National Bank-Fabens Fabens TX 347,589 91 7

First National Bank-Wichita Falls Wichita Falls TX 425,547 110 3

First National Bank of Louisiana Crowley LA 346,013 68 5

First National Bank of Oklahoma Oklahoma City OK 342,078 58 4

First Westroads Bank, Inc. Omaha NE 261,853 51 2

Iowa State Bank Des Moines IA 369,185 67 5

Mercantile Bank Quincy IL 347,996 90 3

Paradise Bank Boca Raton FL 318,652 48 3

Peoples Bank Rock Valley IA 462,523 88 7

Peoples Community Bank Greenville MO 336,702 104 14

Platte Valley Bank of Missouri Platte City MO 447,072 151 8

Private Bank of Buckhead Atlanta GA 263,991 88 2

Republic Bank & Trust Norman OK 475,741 135 5

Southwest Bank Odessa TX 325,897 105 7

Southwest Capital Bank Las Vegas NM 316,957 74 3

State Bank of Lincoln Lincoln IL 338,021 86 6

Sutton Bank Attica OH 404,271 86 8

Texas Bank Brownwood TX 409,691 112 7

The Bank Oberlin KS 348,031 57 13

The Citizens State Bank Okemah OK 379,183 194 2

The First National Bank of Las Animas Las Animas CO 322,447 68 6

The Waggoner National Bank of Vernon Vernon TX 278,915 61 2

United Community Bank of North Dakota Leeds ND 311,303 41 4

Wallis State Bank Wallis TX 446,375 120 9


CB Top Ten






1 First National Bank-Fabens 12.16 2.73 25.75 4.17 49.52 0.02 36.73 1.59

2 Texas Bank 17.19 2.34 18.95 4.54 53.89 0.19 37.71 1.11

3 Charter Bank 11.42 2.93 36.79 6.96 46.88 0.33 53.43 0.65

4 Wallis State Bank 25.29 2.32 22.15 4.93 61.94 0.43 33.07 1.98

5 Southwest Capital Bank 28.84 2.29 25.91 5.28 48.63 0.15 33.88 0.41

6 Paradise Bank 8.89 2.46 22.72 4.50 58.05 0.64 45.61 1.19

7 First Bank of Owasso 13.37 2.07 17.11 4.28 53.56 0.08 27.43 0.83

8 Private Bank of Buckhead 14.86 2.66 29.08 5.09 69.65 0.86 43.23 3.32

9 The Citizens State Bank 101.17 2.08 22.77 4.91 76.76 0.36 29.69 4.15

10 First National Bank-Wichita Falls 19.86 2.11 21.42 4.73 65.34 0.60 28.07 2.60

11 Citizens Bank of Las Cruces 13.05 2.02 21.64 3.90 54.77 0.31 25.67 1.31

12 Farmers Exchange Bank 10.01 2.79 30.72 4.73 36.78 0.27 22.82 0.30

13 Central Bank and Trust Co. 4.62 2.48 27.64 3.95 53.98 0.24 20.22 1.23

13 Peoples Community Bank 10.08 3.37 19.99 5.70 38.84 0.68 11.25 1.12

15 Mercantile Bank 5.09 2.27 22.47 4.22 53.33 0.43 18.46 1.93

16 First Community Bank 7.28 1.74 19.13 5.66 70.66 0.52 42.66 1.45

17 Platte Valley Bank of Missouri 5.46 1.90 20.89 4.09 64.10 0.08 23.90 1.32

18 First National Bank of Louisiana 5.32 1.67 17.18 4.03 58.59 0.03 38.21 0.58

19 Bank 7 6.25 2.90 30.92 5.71 39.82 1.15 28.44 0.20

20 The Waggoner National Bank of Vernon 4.34 2.69 20.06 4.27 45.54 0.64 16.02 1.05

21 Republic Bank & Trust 4.04 1.90 18.17 4.60 61.83 1.28 34.83 1.53

22 City Savings Bank & Trust Company (4.37) 2.18 21.79 4.85 57.00 0.31 28.19 0.78

23 Iowa State Bank 7.93 1.97 12.55 3.46 50.36 0.10 25.64 1.37

24 First Westroads Bank, Inc. 10.49 1.66 15.79 3.89 59.62 0.12 34.06 0.61

24 United Community Bank of North Dakota 2.48 2.40 24.95 5.07 48.75 0.26 23.59 0.19

26 Clear Lake Bank and Trust Company 1.71 1.84 20.93 4.07 54.72 0.09 18.95 0.93

27 First Bank 5.30 1.92 20.16 4.86 68.28 2.09 33.00 2.98

28 First National Bank of Oklahoma 9.49 1.74 19.10 4.21 55.73 0.33 31.23 0.37

29 Southwest Bank 9.59 1.16 14.23 4.27 73.85 0.07 59.94 1.50

30 Sutton Bank 4.49 1.84 19.97 3.31 55.99 0.19 23.13 1.35

31 State Bank of Lincoln 2.99 2.59 28.45 3.21 52.35 0.87 23.86 3.33

32 The Bank 9.92 2.00 19.15 3.99 38.97 0.23 20.59 0.25

33 The First National Bank of Las Animas 3.39 2.41 21.34 4.54 47.63 0.18 15.17 0.32

34 Peoples Bank (1.21) 2.14 18.38 4.24 46.69 0.16 16.94 0.72



All Banks: Median 2.11 1.37 13.27 3.80 63.40 0.60 20.05 0.67



CB Top Ten


Criteria



Asset Size: $500 Million - $1 Billion

Subchapter-S Banks? Yes

Who They Are


American State Bank & Trust Company of Williston Williston ND 670,720 96 1

Armstrong Bank Muskogee OK 840,648 250 21

CFG Community Bank Lutherville MD 634,194 95 3

Choice Financial Group Fargo ND 935,093 181 16

Crockett National Bank Ozona TX 585,135 330 7

Deerwood Bank Deerwood MN 568,838 140 14

Five Star Bank Rocklin CA 748,878 57 6

NewFirst National Bank El Campo TX 600,523 107 7

Sabine State Bank and Trust Company Many LA 790,820 280 47

Security Bank Tulsa OK 503,917 48 1

St. Martin Bank and Trust Company St. Martinville LA 531,396 134 10

The Bank of Hemet Riverside CA 586,041 86 6

The Yellowstone Bank Laurel MT 661,002 91 9

Venture Bank Bloomington MN 524,925 98 3

Volunteer State Bank Portland TN 520,898 222 9

Top Ten Percent of Sub-S Banks: Who They Are PEER GROUP 4: $500 Million - $1 Billion





1 Venture Bank 12.67 2.45 27.14 4.56 50.26 0.29 40.59 1.06

2 Deerwood Bank 232.06 10.68 60.60 3.96 22.14 1.16 34.15 10.41

3 The Bank of Hemet 39.52 2.46 22.18 4.25 46.72 0.00 35.11 0.63

4 Volunteer State Bank 24.47 2.63 26.43 4.20 68.39 0.30 19.57 5.51

5 CFG Community Bank 14.53 2.08 17.61 5.03 60.66 0.35 23.60 1.34

6 Choice Financial Group 4.26 2.83 26.74 4.28 51.95 0.46 22.02 0.97

6 The Yellowstone Bank (2.64) 3.57 22.98 4.17 33.03 1.05 30.07 1.53

8 St. Martin Bank and Trust Company 2.12 2.39 25.39 5.32 50.18 1.30 34.07 0.77

9 Armstrong Bank 53.65 2.09 16.54 4.95 56.40 1.77 26.96 1.50

10 Security Bank 10.37 2.48 21.50 4.31 33.61 0.06 18.09 0.27

11 Sabine State Bank and Trust Company 2.25 1.83 18.35 4.20 62.88 0.63 38.35 1.75

12 NewFirst National Bank (5.37) 1.84 18.68 4.73 56.04 0.47 37.93 1.06

13 Crockett National Bank 39.01 2.44 25.87 3.80 72.83 0.18 13.23 8.69

14 Five Star Bank 48.07 1.94 20.68 3.55 42.66 0.38 32.05 0.09

15 American State Bank & Trust Company of Williston 2.21 2.05 23.79 3.38 45.13 0.28 32.53 0.70



All Banks: Median 4.09 1.51 13.96 3.84 63.06 0.71 20.99 0.78


CB Top Ten


Criteria



Asset Size: $1 - 3 Billion

Subchapter-S Banks? Yes

Who They Are


First International Bank & Trust Watford City ND 2,058,189 461 23

Fremont Bank Fremont CA 2,979,367 771 18

InterBank Oklahoma City OK 2,889,114 541 42

Inwood National Bank Dallas TX 1,995,861 219 15

KS StateBank Manhattan KS 1,370,196 222 4

WestStar Bank El Paso TX 1,090,969 215 10

Top Ten Percent of Sub-S Banks: Who They Are PEER GROUP 5: $1 - 3 Billion





1 Fremont Bank 19.38 1.83 20.73 3.78 69.79 0.19 42.33 2.69

2 KS StateBank 12.20 2.21 25.48 3.74 44.99 0.19 3.93 1.37

3 Inwood National Bank 15.39 2.07 18.19 3.67 45.05 0.12 36.61 0.42

4 First International Bank & Trust 8.86 2.11 23.34 4.67 54.59 0.69 22.21 1.08

5 InterBank 21.89 2.38 18.48 4.34 45.93 1.74 36.19 0.44

6 WestStar Bank 1.95 2.08 21.43 4.20 53.74 0.46 31.75 0.68



All Banks: Median 5.73 1.44 14.24 3.65 64.75 0.59 21.90 0.79


DEFENITIONS OF KEY TERMS & RATIOS

CB Top Ten


Definitions of Key Terms & Ratios

Below are selected definitions and calculations for individual ratios that may serve to help in interpreting trends from the data.

Definitions & Ratios:

Assets: The sum of all assets owned by the institution including cash, loans, securities, bank premises and other assets. This total does

not include off-balance-sheet accounts.

Asset Growth: Current period total assets less previous period total assets (annualized) as a percent of previous period total assets.

Return on Average Assets (ROAA): Net income after taxes and extraordinary items (annualized) as a percent of average total assets.

Return on Average Equity (ROAE): Net income after taxes and extraordinary items (annualized) as a percent of average total equity.

Net Interest Margin (NIM): Total interest income less total interest expense (annualized) as a percent of average earning assets.

Efficiency Ratio: Noninterest expenses minus (foreclosed property expense + amortization of intangibles & goodwill impairment) as a

percent of the sum of net interest income plus total noninterest income.

Non-Performing Assets to Assets: The sum of loans and leases which are on nonaccrual status, past due 90 days or more, and non -

investment other real estate owned as a percent of total assets.

Non Interest-Bearing Deposits to Deposits: The sum of total demand deposits and noninterest-bearing time and savings deposits held in

domestic offices as a percent of total deposits. Transaction accounts: The sum of the following accounts held in domestic offices: Negotiable Order

of Withdrawal (NOW) accounts, Automated Transfer Service (ATS) accounts and telephone or preauthorized transfer accounts, as a percentage of

total deposits.

Non-Interest Income to Average Assets: Income derived from bank services and sources other than interest bearing assets (annualized)

as a percent of average assets.

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