UNOFFICIAL Troubled Bank List as of 03/31/2009

Notes:
Source: FDIC SDI (http://www4.fdic.gov/SDI/main.asp) Please note that this is NOT the OFFICIAL FDIC troubled bank list!              
Texas Ratio = 100 * (Non-performing Assets + Other REO) / (Equity + Loss Reserves)                    
Non-performing assets (npa) excludes those non-performing assets that are guaranteed by the US government.                
Effective Tier 1 Leverage Ratio = 100 * (Tier 1 capital + loss reserves - LGD estimate) / (average assets - ineligible intangibles - LGD Estimate + loss reserves)        
Where LGD Estimate = NPA_1st liens * 0.4 + NPA_HELOC * 0.8 + NPA_construction_loans * 0.6 + NPA_farm * 0.6 + NPA_commercial_RE * 0.6 +  
NPA_commercial/industrial * 0.8 + NPA_consumer * 0.6 + NPA_other * 0.8                        
Effective Equity/Assets calculated with same LGD assumptions but with total equity instead of Tier 1 equity and total assets instead of average assets - ineligible intangibles      
Banks highlighted in red have effective tier 1 leverage ratio less than 4%, the FDIC minimum                    
Banks highlighted in orange have effective tier 1 leverage ratio between 4% and 5%.                      
Banks highlighted in yellow have effective tier 1 leverage ratio between 5% and 6%                      
Banks highlighted in cyan are known to be taking measures to address their situation                      
Banks with Texas Ratios less than 40 are excluded.                          
This list represents a small subsection of US banks. The majority of banks are currently well capitalized.                
Being on this list does not necessarily mean a bank will fail, as they can try to raise capital or to sell themselves to new investors or another bank  
This list is a work in progress.                          
Forum discourse regarding the list on TickerForum.org                          
Rank Name City State Total Assets (000s) NPA/ Assets Equity/ Assets Tier 1 Leverage Ratio Tier 1 Risk-based Ratio Total Risk-based Ratio Texas Ratio Effective Equity/ Assets Effective Tier 1 Leverage Ratio Notes
1 Community Bank of Lemont Lemont IL 85,879 36.30 1.35 1.21 1.41 2.83 1164.51 -22.25 -20.76    
2 Security Bank of Gwinnett County Suwanee GA 322,295 34.14 1.18 1.12 1.50 2.79 771.99 -19.16 -18.00    
3 City Bank Lynnwood WA 1,370,683 39.11 9.71 10.36 11.13 12.41 308.65 -13.30 -14.47    
4 First Security National Bank Norcross GA 137,072 32.70 5.46 5.32 6.55 7.65 447.71 -15.02 -14.29    
5 Southern Community Bank Fayetteville GA 371,695 25.90 3.68 3.51 4.89 6.13 518.03 -12.31 -12.30    
6 Westsound Bank Bremerton WA 334,608 38.21 8.45 8.02 9.64 10.93 297.75 -12.37 -11.81   Failed on 05/08/2009
7 First State Bank of Altus Altus OK 105,469 28.48 4.92 4.59 5.81 7.11 302.85 -11.81 -11.71    
8 Union Bank, National Association Gilbert AZ 128,563 31.85 6.51 4.27 4.92 6.19 350.92 -9.15 -11.24    
9 Citizens Community Bank Ridgewood NJ 40,657 19.44 -0.58 -1.43 -2.09 -2.09 1367.13 -10.37 -10.92   Failed on 05/01/2009
10 First Piedmont Bank Winder GA 124,087 25.17 4.20 4.16 5.01 6.26 439.56 -10.68 -10.73    
11 American Southern Bank Kennesaw GA 105,950 15.78 -0.29 -0.37 -0.47 -0.47 1015.43 -9.04 -9.48   Failed on 04/24/2009
12 Corus Bank, National Association Chicago IL 7,626,136 32.78 4.39 4.20 5.92 7.25 371.35 -10.17 -9.36    
13 Security Bank of North Metro Woodstock GA 224,442 20.96 2.23 1.98 2.73 4.00 471.94 -9.13 -8.86    
14 America West Bank Layton UT 281,564 22.46 -2.13 -2.14 -3.00 -3.00 486.93 -8.83 -8.62   Failed on 05/01/2009
15 Eastern Savings Bank, FSB Hunt Valley MD 1,008,821 47.39 13.10 13.02 17.15 18.41 324.95 -8.41 -8.52    
16 McIntosh Commercial Bank Carrollton GA 366,780 22.96 4.60 4.48 5.60 6.87 345.67 -7.65 -7.92    
17 Neighborhood Community Bank Newnan GA 212,616 23.24 2.47 2.25 2.79 4.09 346.25 -7.89 -7.66    
18 BANKFIRST Sioux Falls SD 277,674 43.68 6.29 5.90 7.25 8.68 221.13 -7.67 -7.47    
19 Mainstreet Bank Forest Lake MN 505,523 19.25 2.49 2.49 4.09 5.37 378.58 -7.17 -7.29    
20 Vineyard Bank, National Association Rancho Cucamonga CA 1,855,830 22.22 3.76 3.49 4.16 5.44 331.91 -7.42 -7.00    
21 Butler Bank Lowell MA 316,009 19.51 3.86 3.40 4.42 5.67 372.18 -6.42 -6.76    
22 Bank of Lincolnwood Lincolnwood IL 212,718 23.13 1.22 1.16 1.33 2.63 393.43 -7.14 -6.59    
23 Florida Community Bank Immokalee FL 980,440 21.80 6.76 4.28 5.49 6.78 210.88 -2.93 -6.01    
24 Ebank Atlanta GA 151,621 16.15 2.94 3.05 4.37 5.62 403.38 -5.84 -5.71    
25 Bank of Wyoming Thermopolis WY 94,601 22.94 5.36 4.05 7.53 8.81 294.34 -6.90 -5.55    
26 MetroPacific Bank Irvine CA 75,316 15.76 3.61 3.51 4.08 5.36 226.54 -5.25 -5.33    
27 Mutual Bank Harvey IL 1,697,211 19.43 3.92 3.60 4.14 7.02 280.33 -4.79 -5.14    
28 The John Warner Bank Clinton IL 71,132 9.20 3.67 -2.55 -3.00 -3.00 123.11 1.17 -5.13    
29 Community Bank of West Georgia Villa Rica GA 201,222 19.56 3.63 3.58 4.61 5.89 294.16 -5.21 -5.04    
30 Community Bank of Nevada Las Vegas NV 1,575,415 23.75 6.19 5.81 6.79 8.08 232.15 -5.05 -4.82    
31 Mesa Bank Mesa AZ 253,734 23.44 7.64 7.22 10.26 11.52 268.89 -4.23 -4.70    
32 First Coweta Bank Newnan GA 169,223 16.10 3.25 3.28 4.01 5.28 291.38 -4.30 -4.32    
33 Chestatee State Bank Dawsonville GA 277,525 24.66 6.84 6.86 7.79 9.08 231.73 -4.20 -4.31    
34 Centennial Bank Ogden UT 241,440 23.81 7.52 8.14 8.74 10.01 246.38 -3.74 -4.14    
35 Rock River Bank Oregon IL 77,035 10.53 0.83 0.86 0.87 1.74 353.05 -3.86 -3.60    
36 The Gordon Bank Gordon GA 35,429 24.13 8.06 7.20 11.18 12.51 193.61 -2.11 -3.27    
37 The Buckhead Community Bank Atlanta GA 972,628 14.56 6.19 4.69 5.71 8.27 188.78 -1.18 -3.14    
38 Central Progressive Bank Lacombe LA 423,145 24.70 9.04 8.01 8.80 10.07 189.72 -1.93 -3.09    
39 Horizon Bank Pine City MN 84,763 14.33 1.28 1.10 1.50 2.79 307.42 -3.23 -3.04    
40 The Bank Weatherford TX 71,922 17.27 6.68 6.45 9.70 10.97 204.31 -2.97 -2.86    
41 Warren Bank Warren MI 599,430 18.03 4.83 4.33 5.77 7.07 211.84 -2.38 -2.75    
42 Premier American Bank Miami FL 381,073 18.92 5.39 5.55 6.45 11.52 209.40 -2.28 -2.38    
43 Michigan Heritage Bank Farmington Hills MI 167,710 10.81 3.54 1.39 1.69 2.97 164.04 -0.17 -2.35   Failed on 04/24/2009
44 DESERT HILLS BANK Phoenix AZ 514,529 17.08 6.29 6.10 7.51 8.77 229.34 -2.35 -2.28    
45 Gateway Bank of St. Louis Saint Louis MO 30,172 17.67 3.86 3.80 5.19 6.46 301.07 -2.29 -2.25    
46 First Commerce Community Bank Douglasville GA 288,726 19.24 8.12 7.71 9.15 10.41 193.71 -1.76 -2.13    
47 Sun Security Bank Ellington MO 404,425 17.34 7.28 7.11 9.45 10.72 193.11 -1.51 -2.08    
48 Barnes Banking Company Kaysville UT 934,843 26.55 10.08 9.62 11.83 13.13 185.28 -1.86 -1.98    
49 Citizens Bank and Trust Company of Chicago Chicago IL 83,230 15.98 4.86 4.78 6.21 7.46 230.04 -1.97 -1.95    
50 Integrity Bank Jupiter FL 123,539 12.16 4.61 4.03 5.36 6.62 209.87 -1.60 -1.94    
51 Jennings State Bank Spring Grove MN 56,869 13.08 4.46 3.12 4.41 5.69 193.42 0.12 -1.74    
52 New Frontier Bank Greeley CO 1,774,588 16.35 3.41 3.29 3.82 5.12 188.86 -1.80 -1.63   Failed on 04/10/2009
53 Century Bank, a Federal Savings Bank Sarasota FL 899,329 13.70 3.90 4.49 6.22 8.70 270.52 -2.27 -1.61    
54 Bank of Leeton Leeton MO 26,441 8.63 2.29 2.29 3.05 4.31 242.51 -1.58 -1.58    
55 Valley Capital Bank, National  Association Mesa AZ 44,283 18.21 7.66 7.83 9.21 10.48 189.36 -1.44 -1.47    
56 Republic Federal Bank, National Association Miami FL 472,514 15.19 -2.02 3.66 3.54 6.56 3206.61 -7.64 -1.42    
57 First Bank of Kansas City Kansas City MO 17,864 18.94 8.95 6.50 7.96 9.24 165.43 1.48 -1.36    
58 Federal Trust Bank Sanford FL 580,391 14.55 2.33 3.08 4.74 6.04 265.04 -2.07 -1.25    
59 Habersham Bank Clarkesville GA 510,678 16.55 7.28 6.60 8.67 9.94 174.60 -0.43 -1.25    
60 The State Bank of Lebo Lebo KS 21,296 10.40 4.03 3.79 5.96 7.23 178.49 -1.12 -1.13    
61 The First National Bank of Danville Danville IL 164,724 10.59 5.42 3.02 3.39 4.67 121.30 1.21 -1.12    
62 Bradford Bank Baltimore MD 482,828 10.90 5.32 2.86 4.32 5.61 139.47 1.61 -1.07    
63 United Security Bank Sparta GA 159,049 13.43 5.13 5.73 7.17 8.19 227.62 -1.28 -1.02    
64 Founders Bank Worth IL 966,463 8.77 3.05 2.97 3.41 5.87 182.31 -0.51 -0.60    
65 First Suburban National Bank Maywood IL 182,291 11.08 5.18 4.88 7.08 8.07 188.31 -0.44 -0.60    
66 Security Bank of Bibb County Macon GA 1,183,966 12.84 4.93 4.48 5.59 6.86 178.73 -0.28 -0.58    
67 The First National Bank of Anthony Anthony KS 156,954 10.62 2.24 1.59 2.05 3.34 172.89 0.11 -0.47    
68 First National Bank of Georgia Carrollton GA 913,268 13.91 7.15 6.79 9.11 10.36 166.11 0.11 -0.42    
69 High Desert State Bank Albuquerque NM 91,276 22.86 9.25 8.78 10.86 12.13 193.34 -0.42 -0.40    
70 Riverview Community Bank Otsego MN 127,337 10.98 3.81 3.39 4.55 5.82 168.23 0.02 -0.32    
71 Silverton Bank, National Association Atlanta GA 4,157,246 7.00 1.18 1.30 2.35 4.70 190.81 -0.46 -0.32   Failed on 05/01/2009
72 Community First Bank Prineville OR 209,702 11.41 4.45 4.38 5.50 6.77 166.27 -0.16 -0.27    
73 Peoples First Community Bank Panama City FL 2,087,681 15.06 6.93 6.94 9.26 10.51 187.37 -0.07 -0.06    
74 Brickwell Community Bank Woodbury MN 81,533 12.79 4.70 2.07 2.49 3.83 109.56 2.60 -0.02    
75 Commerce Bank of Southwest Florida Fort Myers FL 74,463 14.75 6.19 6.04 8.01 9.28 185.93 0.10 0.10    
76 ISN Bank Cherry Hill NJ 116,821 14.28 4.04 3.83 5.49 6.81 152.28 0.21 0.17    
77 The First State Bank of Winchester, Illinois Winchester IL 32,984 3.16 -1.47 -1.39 -1.54 -1.54 124.46 0.25 0.17    
78 The Elizabeth State Bank Elizabeth IL 58,722 5.31 2.37 2.45 2.16 2.91 161.14 -0.08 0.21    
79 Century Security Bank Duluth GA 112,202 11.23 5.88 5.70 6.85 8.04 161.41 0.23 0.23    
80 Citizens National Bank Macomb IL 438,560 4.30 3.81 2.21 3.41 4.55 95.21 2.02 0.32   Failed on 05/22/2009
81 Key West Bank Key West FL 90,237 15.92 6.86 6.86 10.04 11.24 207.43 0.35 0.35    
82 Community National Bank of Sarasota County Venice FL 99,013 11.81 5.53 5.29 6.93 8.19 165.70 0.55 0.38    
83 Polk County Bank Johnston IA 150,828 14.78 8.71 8.51 11.52 12.78 152.57 0.54 0.43    
84 Lincoln Park Savings Bank Chicago IL 217,960 12.11 4.40 4.14 5.84 7.11 181.33 0.56 0.48    
85 Community Banks of Northern California Tracy CA 178,326 18.22 5.93 5.01 7.10 8.44 148.71 1.31 0.51    
86 First Dupage Bank Westmont IL 310,505 14.60 5.22 5.74 6.93 8.18 161.65 -0.13 0.52    
87 First Cherokee State Bank Woodstock GA 317,480 12.17 6.46 6.66 8.75 10.01 158.42 0.35 0.53    
88 Washington First International Bank Seattle WA 660,297 18.42 8.66 8.68 9.56 10.84 155.61 0.51 0.55    
89 Frontier Bank Everett WA 4,148,667 16.28 7.56 7.37 8.85 10.13 158.91 0.59 0.55    
90 The Tattnall Bank Reidsville GA 63,015 11.22 4.54 4.37 5.84 7.11 160.46 0.68 0.58    
91 Bank of Lenox Lenox GA 37,587 5.78 3.21 3.11 4.81 6.06 139.61 0.71 0.64    
92 Home Federal Savings Bank Detroit MI 14,174 7.30 2.85 3.13 6.57 8.33 209.94 0.48 0.75    
93 The Park Avenue Bank New York NY 523,239 6.90 2.03 4.10 4.59 5.58 237.32 -1.41 0.76    
94 First BankAmericano Elizabeth NJ 162,295 8.45 2.18 1.89 2.68 3.98 138.03 0.98 0.76    
95 AmTrust Bank Cleveland OH 14,389,618 13.31 4.80 4.82 7.99 9.28 174.69 0.76 0.79    
96 Temecula Valley Bank Temecula CA 1,492,407 11.73 4.27 3.99 4.16 5.44 146.34 1.07 0.83    
97 Seattle Bank Seattle WA 775,454 15.45 8.10 7.72 10.58 11.85 152.45 0.93 0.87    
98 Cooperative Bank Wilmington NC 966,778 10.25 3.73 3.67 4.77 6.06 151.07 0.93 0.87    
99 Citizens State Bank New Baltimore MI 197,771 12.13 6.39 6.50 7.55 8.78 147.48 0.74 0.87    
100 The First State Bank of Burlingame Burlingame KS 48,990 2.30 1.31 1.09 1.51 2.77 86.57 1.14 0.92    
101 AmericasBank Towson MD 154,924 10.09 3.39 3.41 4.87 6.17 150.32 0.97 0.97    
102 Baytree National Bank & Trust Company Lake Forest IL 263,097 9.13 4.16 4.94 5.41 8.49 161.26 0.07 1.00    
103 Plus International Bank Miami FL 91,940 15.55 12.94 12.74 47.85 49.11 116.28 1.06 1.01    
104 Strategic Capital Bank Champaign IL 546,576 6.91 2.36 3.47 4.48 5.74 174.71 -0.20 1.04   Failed on 05/22/2009
105 Westernbank Puerto Rico Mayaguez PR 15,077,814 10.65 6.57 5.94 9.53 10.81 127.08 1.99 1.20    
106 State Bank of Delano Delano MN 103,388 13.93 7.81 7.45 9.08 10.34 144.31 1.51 1.21    
107 New South Federal Savings Bank Irondale AL 1,902,221 10.29 5.24 5.41 9.02 10.28 155.89 1.05 1.22    
108 Great Basin Bank of Nevada Elko NV 238,940 4.95 3.06 2.68 4.06 5.33 103.89 1.57 1.25   Failed on 04/17/2009
109 Security Bank of North Fulton Alpharetta GA 209,142 7.41 4.46 4.38 7.09 8.35 127.31 1.44 1.32    
110 The Bank of Bonifay Bonifay FL 236,579 9.73 5.31 5.01 7.56 8.83 138.38 1.47 1.33    
111 The Peoples Bank Covington GA 184,947 14.41 7.97 6.46 10.02 11.29 140.49 1.83 1.37    
112 First Bank West Des Moines IA 166,673 8.24 3.96 4.22 5.77 7.04 136.61 1.10 1.39    
113 Bank of Hiawassee Hiawassee GA 436,158 14.21 8.08 7.61 9.04 10.30 139.60 1.96 1.46    
114 Affinity Bank Ventura CA 1,231,347 8.12 3.84 4.50 5.97 7.23 147.77 0.73 1.48    
115 Hometown Community Bank Braselton GA 133,719 10.52 4.99 4.84 6.69 7.97 141.27 1.65 1.48    
116 Ventura County  Business Bank Oxnard CA 106,078 11.24 6.82 6.46 7.63 8.90 134.08 1.73 1.60    
117 Premier Bank Jefferson City MO 1,510,536 13.87 7.14 7.06 8.42 9.69 143.03 1.71 1.61    
118 First National Bank of Brookfield Brookfield IL 255,374 14.43 7.94 7.56 10.27 11.53 149.26 1.84 1.65    
119 Olde Cypress Community Bank Clewiston FL 171,251 9.80 5.85 5.79 8.23 9.49 141.38 1.77 1.68    
120 Montgomery Bank & Trust Ailey GA 259,255 11.97 7.35 7.39 9.02 10.27 141.51 1.67 1.69    
121 First Bank of Beverly Hills Calabasas CA 1,260,354 6.73 3.77 3.23 5.20 6.48 113.96 2.14 1.70   Failed on 04/24/2009
122 Gwinnett Community Bank Duluth GA 502,950 12.89 7.33 7.58 9.04 10.29 147.39 1.46 1.70    
123 American United Bank Lawrenceville GA 116,546 11.66 6.39 6.29 7.54 8.68 137.24 1.84 1.75    
124 Venture Bank Lacey WA 1,093,863 9.15 2.13 5.18 5.32 6.58 236.79 -1.52 1.75    
125 BankCherokee Saint Paul MN 238,024 13.46 7.93 7.53 9.62 10.90 130.53 2.22 1.76    
126 Security Bank of Houston County Perry GA 383,056 8.22 5.18 5.10 8.77 10.03 126.21 1.86 1.77    
127 Georgia Heritage Bank Dallas GA 94,047 13.69 8.36 7.77 9.62 10.88 144.45 2.30 1.78    
128 McIntosh State Bank Jackson GA 443,871 11.98 7.34 6.46 8.38 9.65 132.74 2.72 1.81    
129 Partners Bank Naples FL 75,737 7.47 9.73 4.97 6.84 8.04 69.42 6.90 1.82    
130 Security Exchange Bank Marietta GA 199,845 13.63 7.91 8.15 10.54 11.80 146.00 1.78 1.85    
131 Flagship National Bank Bradenton FL 198,476 13.00 5.24 4.73 6.72 8.02 146.81 2.21 1.88    
132 1st American State Bank of Minnesota Hancock MN 23,559 17.53 6.11 5.79 8.90 10.26 134.45 2.05 1.93    
133 CAPITAL COMMUNITY BANK Provo UT 141,272 15.35 9.88 10.09 12.50 13.49 143.87 1.95 1.99    
134 Peoples Community Bank West Chester OH 675,359 7.84 2.19 1.81 2.82 4.15 116.74 2.38 2.01    
135 Orion Bank Naples FL 2,808,322 8.96 4.95 5.30 7.58 9.60 130.70 1.59 2.02    
136 Builders Bank Chicago IL 499,045 17.40 10.13 9.99 11.85 13.11 141.62 2.07 2.06    
137 AmericanWest Bank Spokane WA 1,823,289 7.97 6.35 4.61 4.79 6.05 92.79 3.87 2.08    
138 Community Bank of Cape Coral Cape Coral FL 98,804 7.14 6.67 5.28 6.34 7.12 97.59 3.54 2.12    
139 Bank 1st Albuquerque NM 98,858 11.04 6.45 6.33 8.33 9.61 122.97 2.32 2.18    
140 Bank of Florida - Southwest Naples FL 759,603 10.18 13.33 6.52 7.31 10.17 67.93 9.71 2.26    
141 Columbia River Bank The Dalles OR 1,034,188 10.27 6.47 5.97 7.08 8.35 117.81 2.62 2.26    
142 Douglas County Bank Douglasville GA 395,272 13.85 8.81 8.57 10.50 11.76 133.84 2.54 2.29    
143 Farmers & Merchants Bank Lakeland GA 632,890 7.84 6.01 6.05 7.58 10.78 113.30 2.36 2.30    
144 The First State Bank Stockbridge GA 667,519 15.68 8.52 8.42 9.99 11.26 139.82 2.45 2.31    
145 Peninsula Bank Englewood FL 630,847 12.48 7.26 7.98 8.97 10.23 136.63 1.51 2.32    
146 Millennium State Bank of Texas Dallas TX 126,719 5.25 3.25 3.15 4.41 5.70 85.78 2.41 2.33    
147 Nexity Bank Birmingham AL 1,153,603 9.88 7.52 6.84 9.49 10.92 109.65 3.22 2.34    
148 CapitalSouth Bank Birmingham AL 635,639 9.52 5.98 5.78 7.09 8.35 118.37 2.52 2.36    
149 Home Savings of America Little Falls MN 452,634 8.06 5.96 5.12 9.94 10.79 125.67 3.28 2.39    
150 First State Bank Flagstaff AZ 113,403 12.09 7.57 7.21 8.16 9.41 130.59 2.55 2.39    
151 Mainstreet Savings Bank, FSB Hastings MI 113,980 5.19 4.73 4.19 6.84 8.04 95.13 3.04 2.47    
152 Bank of Bartlett Bartlett TN 486,043 6.80 6.22 5.24 7.31 8.57 89.63 3.54 2.49    
153 Ocean Bank Miami FL 4,626,122 15.89 7.58 7.46 11.27 12.57 145.32 2.61 2.51    
154 State Bank of Aurora Aurora MN 31,783 12.21 6.88 6.90 9.19 10.47 124.27 2.53 2.53    
155 Ohio Legacy Bank, National Association Wooster OH 190,132 7.26 4.99 4.96 7.58 8.85 105.76 2.57 2.54    
156 Cape Fear Bank Wilmington NC 492,418 7.83 6.02 5.24 6.26 7.53 100.02 3.41 2.55   Failed on 04/10/2009
157 Champion Bank Creve Coeur MO 227,295 13.18 8.17 7.97 9.62 10.84 129.70 2.76 2.56    
158 Park State Bank & Trust Woodland Park CO 100,389 10.63 7.76 7.57 10.30 11.56 112.73 2.91 2.57    
159 Greater Atlantic Bank Reston VA 218,806 2.82 0.37 3.22 4.84 5.98 248.27 -0.32 2.57    
160 Family Bank and Trust Co. Palos Hills IL 76,987 8.28 6.17 6.46 8.15 9.36 116.68 2.50 2.67    
161 Bank of Elmwood Racine WI 336,928 8.66 3.79 3.54 4.71 6.00 116.18 2.93 2.68    
162 Liberty Bank Naples FL 165,552 12.74 10.33 8.65 9.52 10.78 106.97 4.60 2.69    
163 SouthwestUSA Bank Las Vegas NV 225,815 14.50 9.56 9.59 10.62 11.88 128.09 2.68 2.69    
164 Coastal Bank Merritt Island FL 157,047 10.50 7.07 7.07 9.29 10.54 125.28 2.70 2.70    
165 North Georgia Bank Watkinsville GA 196,417 8.97 6.65 6.96 8.82 10.05 116.72 2.54 2.72    
166 Oakland Deposit Bank Oakland TN 124,339 8.14 9.96 6.16 7.70 8.95 73.25 6.84 2.73    
167 AztecAmerica Bank Berwyn IL 74,388 11.38 8.09 8.04 8.26 9.36 124.11 2.84 2.80    
168 Premier Bank Minnesota Farmington MN 203,347 11.53 7.61 7.59 9.26 10.52 119.93 2.90 2.81    
169 Southern Colorado National Bank Pueblo CO 52,140 5.82 4.03 3.35 5.61 6.93 86.28 3.48 2.82    
170 Texas National Bank Mercedes TX 68,986 12.12 10.47 8.01 10.76 12.04 93.31 5.85 2.82    
171 First State Bank Sarasota FL 440,640 5.58 2.62 2.50 2.96 4.25 87.04 2.99 2.85    
172 The Bank of Macks Creek Macks Creek MO 28,545 15.24 7.86 7.74 11.25 12.53 146.04 2.98 2.93    
173 New Liberty Bank Plymouth MI 121,566 6.60 4.33 4.37 5.12 7.42 101.29 2.93 2.96    
174 California National Bank Los Angeles CA 6,494,038 3.79 4.95 3.70 3.58 4.85 58.29 4.25 2.96    
175 ShoreBank Chicago IL 2,698,635 6.77 5.93 5.73 9.92 11.18 94.03 3.36 2.98    
176 Palm Desert National Bank Palm Desert CA 294,281 16.04 9.15 8.69 10.51 11.80 130.29 3.17 2.99    
177 Western Community Bank Orem UT 133,300 11.05 7.35 7.52 9.03 10.29 118.05 2.94 3.01    
178 Amcore Bank, National Association Rockford IL 5,284,516 7.84 5.55 4.62 6.22 8.84 90.31 4.03 3.03    
179 Emigrant Bank New York NY 13,493,790 5.49 4.59 5.37 9.41 10.67 98.66 2.34 3.04    
180 Adams National Bank Washington DC 303,290 16.37 9.33 8.88 11.27 12.55 131.18 3.33 3.07    
181 R-G Premier Bank of Puerto Rico Hato Rey PR 6,975,845 11.21 7.32 6.70 9.59 10.87 118.24 3.73 3.08    
182 Southern Bank of Commerce Paragould AR 30,516 7.69 4.10 4.31 7.68 8.97 112.46 2.92 3.10    
183 High Trust Bank Stockbridge GA 213,402 14.16 10.17 10.66 10.95 12.11 125.90 2.96 3.11    
184 First Arizona Savings, A FSB Scottsdale AZ 349,938 7.06 6.04 6.03 9.60 10.53 106.49 3.14 3.13    
185 Gulf State Community Bank Carrabelle FL 125,071 12.87 8.65 8.42 10.26 11.53 121.26 3.29 3.14    
186 First Resource Bank Savage MN 23,760 13.45 8.41 8.19 9.63 10.90 124.65 3.23 3.14    
187 Legacy State Bank Loganville GA 131,291 9.96 7.94 8.44 12.01 13.04 115.72 3.04 3.15    
188 The First National Bank of Florida Milton FL 450,476 12.90 9.01 8.78 11.95 13.22 120.10 3.51 3.20    
189 The RiverBank Wyoming MN 552,650 11.03 8.40 8.40 9.83 11.09 109.72 3.66 3.25    
190 Peoples Bank & Trust Buford GA 437,078 10.46 8.13 7.86 9.98 11.23 112.44 3.51 3.27    
191 The Bank of Commerce Wood Dale IL 247,477 8.93 6.44 6.31 8.37 10.69 102.55 3.35 3.28    
192 Community Capital Bank Jonesboro GA 200,509 11.67 8.79 8.83 12.36 13.61 118.10 3.61 3.31    
193 Heritage Bank Topeka KS 60,881 8.68 5.70 5.31 6.99 8.28 89.76 3.68 3.31    
194 Security Bank of Jones County Gray GA 453,303 5.96 5.63 5.77 9.18 10.43 92.86 3.25 3.31    
195 Peotone Bank and Trust Company Peotone IL 150,621 6.01 5.82 5.25 6.41 7.67 83.84 3.86 3.31    
196 Oconee State Bank Watkinsville GA 312,528 10.83 7.93 7.97 11.67 12.93 112.62 3.31 3.31    
197 K  Bank Randallstown MD 677,752 7.94 5.64 5.53 7.57 8.84 99.63 3.43 3.33    
198 The First National Bank of Barnesville Barnesville GA 147,124 11.89 8.50 8.55 10.22 11.48 118.43 3.39 3.36    
199 Earthstar Bank Southampton PA 155,070 8.27 5.07 5.44 8.72 9.99 114.36 2.97 3.37    
200 Northwest Bank & Trust Acworth GA 157,310 9.79 8.56 8.21 9.83 11.08 101.91 3.87 3.41    
201 Parkway Bank Rogers AR 121,325 12.78 10.82 9.03 11.80 13.05 106.50 5.21 3.42    
202 Patriot Bank Brooklyn IA 100,320 5.24 5.63 5.27 7.12 8.36 75.84 3.79 3.43    
203 Charter Bank Santa Fe NM 1,394,392 5.94 5.94 5.72 9.00 10.23 88.39 3.68 3.43    
204 First Federal Bank of North Florida Palatka FL 420,228 8.05 6.68 6.77 9.60 10.51 109.87 3.36 3.44    
205 The Ohio State Bank Marion OH 150,349 5.53 4.88 4.38 5.98 7.24 81.38 3.97 3.45    
206 First Covenant Bank Norcross GA 190,503 9.66 5.88 7.65 9.29 10.54 139.65 1.57 3.45    
207 Blue Ridge Savings Bank, Inc. Asheville NC 263,801 15.31 8.13 7.63 9.77 11.05 139.24 3.74 3.49    
208 Benchmark Bank Aurora IL 218,748 8.19 3.42 5.11 5.73 7.02 119.08 1.82 3.49    
209 Plaza Bank Irvine CA 95,957 2.03 3.56 3.70 4.40 5.65 42.15 3.37 3.50    
210 First Tuskegee Bank Tuskegee AL 80,192 9.14 7.66 7.88 11.18 12.43 106.77 3.30 3.52    
211 United Bank and Trust Company New Orleans LA 24,709 5.18 5.20 5.06 8.20 9.45 86.09 3.63 3.53    
212 Westbridge Bank and Trust Chesterfield MO 130,840 6.42 7.25 5.00 6.39 7.66 67.89 5.78 3.53    
213 Patriot National Bank Stamford CT 970,005 8.87 6.74 6.74 8.80 10.07 104.97 3.66 3.55    
214 The Bank of Commerce Sarasota FL 355,251 7.39 6.70 5.80 7.18 10.21 90.97 4.51 3.56    
215 Legacy Bank Scottsdale AZ 223,190 8.83 6.55 5.93 7.92 9.20 95.67 4.01 3.56    
216 Eagle Community Bank Maple Grove MN 33,773 10.71 8.00 7.65 9.93 11.18 115.49 3.77 3.59    
217 Unity National Bank Cartersville GA 299,784 9.28 7.81 7.28 8.74 10.00 101.03 4.10 3.59    
218 Valley Community Bank St. Charles IL 177,581 7.78 7.06 7.15 9.27 10.35 98.96 3.61 3.61    
219 Traverse City State Bank Traverse City MI 201,657 4.83 7.18 5.35 7.14 11.06 57.37 5.49 3.62    
220 MBank Gresham OR 318,980 10.14 8.14 8.24 9.86 11.11 106.20 3.64 3.63    
221 Palos Bank and Trust Company Palos Heights IL 535,798 7.40 5.00 6.38 7.35 8.74 108.71 2.31 3.65    
222 Emigrant Savings Bank - Long Island Westbury NY 478,659 6.31 4.10 5.87 10.99 11.32 147.28 1.80 3.66    
223 Community Bank & Trust Cornelia GA 1,272,478 7.48 6.05 5.96 7.86 9.13 95.39 3.76 3.68    
224 Prosperity Bank Saint Augustine FL 1,104,016 4.74 5.45 5.01 7.20 9.06 69.97 4.15 3.69    
225 Sun American Bank Boca Raton FL 601,120 8.24 7.36 7.42 9.14 10.39 98.02 3.61 3.70    
226 Valley Bank and Trust Brighton CO 244,121 7.71 7.17 6.98 8.33 9.47 94.62 3.82 3.70    
227 First National Bank of Griffin Griffin GA 306,201 14.03 9.80 10.17 12.88 14.13 126.60 3.50 3.70    
228 1st Financial Bank Overland Park KS 124,640 7.97 7.19 5.23 6.89 8.17 79.93 5.65 3.70    
229 The Apple Valley Bank & Trust Company Cheshire CT 84,568 3.48 6.80 4.99 7.26 8.51 45.64 5.62 3.75    
230 The Exchange Bank Skiatook OK 98,399 5.60 6.64 5.75 8.51 9.77 72.98 4.70 3.78    
231 Albina Community Bank Portland OR 228,978 7.91 6.92 7.24 9.34 10.59 95.44 3.60 3.80    
232 Inter Savings Bank, fsb  D/B/A  Interbank,  fsb Maple Grove MN 836,362 6.51 5.57 5.49 7.53 8.78 95.30 3.90 3.82    
233 Imperial Capital Bank La Jolla CA 4,516,173 5.24 5.35 5.16 6.87 8.13 77.85 4.00 3.83    
234 Stoneham Savings Bank Stoneham MA 455,558 6.56 7.32 7.03 9.10 10.26 80.08 4.20 3.83    
235 First Utah Bank Salt Lake City UT 379,432 11.97 8.31 7.95 9.49 10.76 108.52 4.28 3.84    
236 Truman Bank St. Louis MO 475,685 9.96 8.72 6.92 8.89 10.16 90.59 5.69 3.88    
237 Frontier Bank Rock Rapids IA 166,587 4.18 5.66 5.89 9.60 10.56 66.89 3.65 3.89    
238 Appalachian Community Bank Ellijay GA 1,142,122 5.92 6.29 5.99 8.06 10.08 79.50 4.25 3.90    
239 Heritage Bank Jonesboro GA 481,194 7.92 7.12 6.89 9.44 10.71 91.03 4.27 3.92    
240 First Mariner Bank Baltimore MD 1,271,811 5.71 6.58 6.18 7.34 9.14 76.82 4.43 3.93    
241 Border Trust Company Augusta ME 91,790 4.89 7.36 6.61 10.32 11.35 60.98 4.74 3.97    
242 Americana Community Bank Sleepy Eye MN 185,439 7.89 6.48 6.34 7.08 8.34 95.41 4.16 3.97    
243 Premier Bank Maplewood MN 608,829 11.42 8.73 8.81 10.05 11.31 108.33 3.95 3.98    
244 Riverside National Bank of Florida Fort Pierce FL 3,772,166 5.68 6.21 5.50 6.61 7.87 71.86 4.67 3.98    
245 Brickyard Bank Lincolnwood IL 195,809 6.76 6.50 6.46 7.72 8.97 87.78 4.08 3.99    
246 InBank Oak Forest IL 216,815 11.58 9.34 9.10 10.99 12.24 111.34 4.19 3.99    
247 First City Bank of Florida Fort Walton Beac FL 309,792 6.59 6.53 6.60 8.25 9.50 87.46 3.98 3.99    
248 Oxford Bank Oxford MI 361,315 6.17 4.75 4.52 6.15 7.43 82.00 4.22 4.00    
249 Premier Bank Rochester Rochester MN 161,654 10.05 7.84 8.07 9.48 10.75 104.36 3.89 4.00    
250 Emigrant Savings Bank - Brooklyn/Queens Brooklyn NY 728,937 5.09 3.85 5.82 12.49 12.80 127.45 2.00 4.00    
251 Community Bank and Trust - West Georgia Lagrange GA 135,167 12.59 8.19 8.56 12.01 13.28 128.89 3.89 4.04    
252 Doral Bank San Juan PR 9,005,399 7.38 5.16 6.34 12.56 13.83 110.05 2.82 4.05    
253 Jefferson Bank Dallas TX 387,023 4.94 5.97 5.75 8.11 9.36 69.82 4.26 4.05    
254 Florida Capital Bank, National Association Jacksonville FL 1,043,484 7.00 6.84 6.87 8.96 10.22 85.85 4.15 4.07    
255 Citizens First Savings Bank Port Huron MI 1,917,233 6.14 4.41 6.02 7.03 8.20 105.60 2.39 4.08    
256 Savanna-Thomson State Bank Thomson IL 68,914 8.35 13.00 9.01 10.95 11.31 62.89 8.55 4.08    
257 Lake Country Community Bank Morristown MN 41,259 9.89 7.47 7.10 9.75 11.01 107.20 4.45 4.09    
258 Horizon Bank Bradenton FL 221,869 6.38 6.39 6.92 9.25 10.26 89.35 3.59 4.10    
259 The Bank of Soperton Soperton GA 47,095 11.66 7.65 8.18 13.28 14.57 115.02 3.46 4.11    
260 First Bank of Jacksonville Jacksonville FL 96,665 8.85 7.59 7.01 8.93 10.20 91.29 4.78 4.13    
261 Bayside Savings Bank Port Saint Joe FL 88,845 7.63 16.65 7.34 9.40 10.65 42.92 14.07 4.14    
262 Strata Bank Medway MA 372,283 2.89 5.58 4.81 6.78 8.03 44.10 4.93 4.16    
263 ProGrowth Bank Nicollet MN 152,700 6.58 5.20 6.95 8.89 10.02 105.96 2.42 4.16    
264 Independence Federal Savings Bank Washington DC 186,924 3.28 4.30 5.04 10.11 11.35 65.42 3.41 4.17    
265 First National Bank in Howell Howell MI 377,598 10.61 7.18 6.93 8.17 9.45 99.64 4.40 4.18    
266 Bank of Jackson County Graceville FL 36,779 6.65 7.93 7.64 10.89 11.78 77.71 4.42 4.19    
267 Badger State Bank Cassville WI 101,807 7.24 7.52 7.44 9.75 11.01 83.95 4.25 4.19    
268 Northwest Georgia Bank Ringgold GA 596,665 4.75 6.52 6.08 9.89 13.05 64.22 4.63 4.19    
269 Regal Financial Bank Seattle WA 183,589 8.98 7.94 8.45 9.93 11.19 96.72 3.93 4.19    
270 Piedmont Community Bank Gray GA 257,333 7.84 7.65 7.43 8.81 10.07 88.70 4.45 4.20    
271 The Farmers Bank Lincoln NE 19,709 6.60 6.52 6.31 8.99 10.25 82.28 4.47 4.20    
272 Peoples State Bank Hamtramck MI 480,593 5.80 6.04 5.89 7.52 8.78 75.73 4.42 4.25    
273 Park View Federal Savings Bank Solon OH 903,463 8.59 8.11 7.86 10.14 11.39 93.11 4.53 4.25    
274 Prosperan Bank Oakdale MN 208,305 8.08 6.72 7.50 9.23 10.48 102.27 3.33 4.26    
275 Colombo Bank Rockville MD 191,594 2.80 5.90 5.97 8.92 9.08 46.49 4.20 4.28    
276 Security Bank, National Association North Lauderdale FL 164,864 11.40 8.93 8.73 13.48 14.74 109.74 4.40 4.28    
277 Arrowhead Community Bank Glendale AZ 87,629 9.52 5.64 5.34 6.93 8.24 92.53 4.64 4.29    
278 SunFirst Bank Saint George UT 243,997 12.04 10.81 10.39 12.80 13.95 102.38 4.61 4.30    
279 VisionBank of Iowa West Des Moines IA 114,261 9.33 8.20 8.50 10.49 11.74 98.58 4.19 4.31    
280 First State Bank Wilmot SD 40,674 9.64 5.30 7.88 11.29 12.55 134.81 1.42 4.33    
281 Eurobank San Juan PR 2,899,809 5.48 5.79 6.48 8.89 10.14 78.26 3.73 4.36    
282 Crescent Bank and Trust Company Jasper GA 1,061,637 4.97 5.28 5.25 6.51 7.77 67.97 4.40 4.36    
283 Family Federal Savings of Illinois Cicero IL 61,778 14.92 9.93 9.90 13.57 14.84 126.23 4.38 4.36    
284 The Bank of Miami, National Association Coral Gables FL 700,301 13.91 10.24 9.50 9.43 10.70 106.04 5.50 4.38    
285 Eastside Commercial Bank Conyers GA 245,854 6.93 7.12 7.34 8.78 10.03 83.72 4.28 4.39    
286 AmericanFirst Bank Clermont FL 94,580 7.86 9.55 7.47 9.06 10.31 73.02 6.57 4.40    
287 Mirae Bank Los Angeles CA 480,619 6.12 3.24 3.12 4.23 5.55 71.00 4.49 4.41    
288 American Founders Bank, Inc. Frankfort KY 542,682 5.36 9.29 6.26 8.53 9.79 50.77 7.64 4.42    
289 Access Bank Champlin MN 38,150 10.52 6.97 6.81 8.46 9.76 99.04 4.60 4.43    
290 Coastal Community Bank Panama City Beac FL 375,973 6.99 8.28 7.42 9.12 10.30 75.81 5.38 4.44    
291 Southwest Community Bank Springfield MO 129,594 6.18 5.85 6.33 7.94 9.20 88.62 4.08 4.46    
292 Park State Bank Duluth MN 32,455 5.12 6.89 7.12 9.07 10.32 64.28 4.32 4.47    
293 Sandhills Bank North Myrtle Bea SC 70,137 6.85 6.47 5.49 7.16 8.43 74.61 5.49 4.47    
294 HomeStreet Bank Seattle WA 3,071,781 10.18 7.74 7.57 10.08 11.36 96.69 4.67 4.47    
295 Community Bank of the South Smyrna GA 396,760 9.00 7.83 7.65 9.10 10.34 91.18 4.63 4.49    
296 Community Bank of Arizona Glendale AZ 139,534 18.76 13.01 12.82 17.68 18.96 121.65 4.61 4.50    
297 Croydon Savings Bank Croydon PA 12,917 11.63 7.60 7.27 12.35 13.64 111.26 4.74 4.53    
298 Manatee River Community Bank Palmetto FL 162,046 4.18 5.95 5.95 9.17 9.63 66.06 4.54 4.54    
299 Great Florida Bank Coral Gables FL 1,741,343 8.77 8.35 7.41 10.51 11.79 83.57 5.49 4.56    
300 Horizon Bank Bellingham WA 1,467,551 7.13 6.29 6.11 7.29 8.58 79.67 4.72 4.56    
301 The Park Avenue Bank Valdosta GA 1,345,924 7.00 7.49 6.80 9.22 10.48 77.71 5.26 4.56    
302 Bank of the Cascades Bend OR 2,296,456 9.97 8.56 8.46 8.94 10.21 92.96 4.72 4.56    
303 Heartland Bank Leawood KS 197,750 8.97 8.37 6.89 8.18 10.47 78.08 6.20 4.58    
304 OneWest Bank, FSB Pasadena CA 16,182,476 7.54 10.12 9.76 21.52 21.52 74.45 7.22 4.58    
305 Bank of Florida - Southeast Fort Lauderdale FL 538,027 5.78 9.73 6.42 7.54 10.15 51.24 8.03 4.59    
306 Bramble Savings Bank Milford OH 55,218 9.37 6.48 7.02 10.49 11.76 116.48 4.24 4.60    
307 Columbia Savings Bank Cincinnati OH 60,240 9.83 8.44 8.20 13.32 14.58 102.55 4.76 4.60    
308 Emigrant Savings Bank - Bronx/Westchester Bronx NY 997,922 2.88 3.30 5.62 13.26 13.49 84.75 2.27 4.62    
309 Minnwest Bank Metro Eagan MN 303,349 7.03 9.47 8.34 9.71 10.73 67.92 5.80 4.63    
310 De Witt State Bank De Witt NE 40,099 6.25 7.58 6.96 9.53 10.79 73.37 5.36 4.64    
311 Republic Bank of Georgia Lawrenceville GA 158,018 9.70 8.75 8.45 9.46 10.72 95.71 4.87 4.64    
312 Community National Bank Lino Lakes MN 56,077 19.16 12.79 12.72 16.47 17.75 123.01 4.71 4.65    
313 HarVest Bank of Maryland Rockville MD 207,443 6.07 8.12 6.77 9.28 10.32 68.46 6.07 4.66    
314 Towne Bank of Arizona Mesa AZ 142,988 31.18 15.40 14.26 16.48 17.81 137.52 5.22 4.68    
315 Beach Community Bank Fort Walton Beac FL 691,590 7.42 8.26 7.62 10.28 11.44 80.96 5.19 4.68    
316 Northside Bank Adairsville GA 149,272 5.92 6.86 6.72 8.63 9.88 73.28 4.81 4.69    
317 Bank of Illinois Normal IL 235,726 6.74 8.29 8.10 10.30 10.94 76.52 4.83 4.69    
318 Edgebrook Bank Chicago IL 79,898 8.52 7.74 7.42 10.28 11.53 95.42 4.91 4.70    
319 Sun West Bank Las Vegas NV 430,906 11.33 9.49 9.52 10.62 11.88 97.75 4.77 4.73    
320 Enterprise Bank Allison Park PA 179,108 5.03 7.30 7.33 9.35 10.42 61.89 4.74 4.74    
321 American Marine Bank Bainbridge Islan WA 398,300 7.83 8.29 8.29 10.74 11.99 83.40 4.74 4.74    
322 The Community Bank, A Massachusetts Cooperative Bank Brockton MA 409,683 4.66 6.04 5.92 8.44 9.70 63.33 4.87 4.74    
323 Decatur First Bank Decatur GA 235,907 5.38 7.01 6.97 9.14 10.09 68.15 4.81 4.75    
324 Turnberry Bank Aventura FL 248,838 9.32 8.40 8.38 11.37 12.62 95.75 4.82 4.79    
325 State Bank of Cokato Cokato MN 62,994 8.58 8.01 7.92 9.25 10.52 86.06 4.85 4.79    
326 Colonial Bank Montgomery AL 26,365,446 4.17 5.60 5.54 8.02 10.78 57.19 4.89 4.80    
327 West Town Savings Bank Cicero IL 58,445 2.46 5.77 5.66 11.69 12.18 41.01 4.90 4.80    
328 North County Bank Arlington WA 364,914 7.96 7.05 7.07 8.74 10.01 85.47 4.79 4.80    
329 Anchor Mutual Savings Bank Aberdeen WA 698,868 8.04 7.96 8.08 10.91 12.17 85.39 4.84 4.82    
330 LibertyBank Eugene OR 901,876 8.77 7.86 7.76 8.51 10.38 87.49 4.92 4.84    
331 Emigrant Savings Bank - Manhattan New York NY 1,149,817 2.60 3.35 5.71 12.92 13.23 74.75 2.46 4.85    
332 Rocky Mountain Bank & Trust Florence Florence CO 223,479 6.96 2.78 7.22 9.17 10.43 170.43 0.17 4.87    
333 Synergy Bank, S.S.B. Mckinney TX 160,299 5.66 9.68 7.75 9.95 10.67 55.45 7.03 4.88    
334 Evergreen Bank Seattle WA 488,446 7.11 6.78 6.91 7.95 9.22 80.28 4.80 4.89    
335 The Peoples Bank Winder GA 518,413 5.16 7.19 6.87 10.63 11.88 63.42 5.17 4.90    
336 First Bank of Dalton Dalton GA 128,834 9.70 7.17 7.11 9.39 10.67 95.85 4.97 4.90    
337 North American Banking Company Roseville MN 221,901 6.46 7.88 7.67 9.19 10.38 72.85 5.15 4.93    
338 Ravenswood Bank Chicago IL 339,597 7.72 8.01 8.00 9.40 10.66 82.63 4.88 4.94    
339 Lydian Private Bank Palm Beach FL 2,089,477 4.76 4.77 5.93 8.61 10.22 83.45 3.79 4.95    
340 Gunnison Valley Bank Gunnison UT 79,773 13.31 9.92 9.89 11.71 12.98 112.70 4.97 4.95    
341 Metro Bank of Dade County Miami FL 520,174 7.71 8.20 8.33 10.39 11.65 81.05 5.05 4.95    
342 Putnam State Bank Palatka FL 192,018 8.28 8.52 8.45 9.02 10.28 83.96 5.05 4.96    
343 FIRST STATE BANK OF THE FLORIDA KEYS Key West FL 840,367 4.03 6.47 6.31 11.37 12.62 55.95 5.15 4.96    
344 First National Bank & Trust Company in Larned Larned KS 54,206 8.87 8.54 8.23 14.29 15.57 85.52 5.33 4.97    
345 SolutionsBank Overland Park KS 538,760 6.10 7.12 6.69 7.96 9.22 66.57 5.48 4.97    
346 Lakeside Community Bank Sterling Heights MI 67,594 9.24 8.15 8.59 11.21 12.47 93.04 4.69 4.98    
347 BankHaven Haven KS 24,075 4.91 7.67 5.99 9.77 11.04 51.37 6.70 4.99    
348 Home Valley Bank Cave Junction OR 256,568 7.23 7.39 7.48 9.37 10.63 80.86 4.95 4.99    
349 Paragon Bank & Trust Holland MI 123,134 7.10 8.31 7.43 8.75 10.01 70.29 6.33 5.00    
350 Bartow County Bank Cartersville GA 445,194 4.82 6.70 6.76 9.25 10.49 63.60 5.00 5.01    
351 Community Bank of Manatee Lakewood Ranch FL 257,760 6.65 7.01 6.83 8.07 10.70 73.42 5.16 5.02    
352 Old Harbor Bank Clearwater FL 250,013 6.44 8.52 7.43 8.93 10.18 67.23 6.18 5.04    
353 Providence Bank Alpharetta GA 115,628 13.01 11.98 10.70 11.16 12.42 93.35 6.49 5.04    
354 Bank of Granite Granite Falls NC 1,142,562 5.21 5.54 5.67 6.65 7.92 66.45 4.91 5.04    
355 Metropolitan Bank and Trust Company Chicago IL 347,707 8.19 8.51 8.37 11.00 12.12 87.31 5.15 5.06    
356 Baylake Bank Sturgeon Bay WI 1,049,819 5.34 7.94 6.82 8.89 10.15 57.13 6.20 5.06    
357 EvaBank Eva AL 434,000 7.43 6.93 7.68 10.56 11.81 90.52 4.35 5.06    
358 PrimeSouth Bank Blackshear GA 417,637 6.15 7.19 7.56 9.24 10.49 74.34 4.72 5.07    
359 Lake Community Bank Long Lake MN 163,841 9.39 8.97 8.96 12.06 13.32 88.62 5.03 5.07    
360 Canyon National Bank Palm Springs CA 294,113 10.48 9.44 9.18 10.93 12.19 94.92 5.23 5.07    
361 Great Northern Bank Saint Michael MN 80,835 4.00 6.08 5.75 7.00 8.26 51.08 5.42 5.11    
362 Patriot Bank of Georgia Cumming GA 155,569 9.72 8.56 8.65 9.73 10.99 94.71 5.03 5.11    
363 Bank of Las Vegas Las Vegas NV 72,921 8.36 11.09 9.19 9.77 11.02 68.33 7.24 5.12    
364 Liberty Savings Bank, F.S.B. Wilmington OH 1,531,983 4.76 8.03 7.19 11.87 12.80 55.41 6.01 5.12    
365 Highland Bank Saint Michael MN 585,288 5.84 8.01 7.65 9.76 10.88 65.97 5.48 5.13    
366 First National Bank of the South Spartanburg SC 834,070 8.91 7.41 7.42 8.78 10.05 87.49 5.19 5.13    
367 Wachovia Mortgage, FSB North Las Vegas NV 63,646,693 7.85 10.87 6.92 12.05 13.32 63.83 9.26 5.16    
368 Columbia Community Bank Hillsboro OR 398,672 7.82 8.25 8.47 9.60 10.81 80.57 4.94 5.17    
369 Merchants Bank of Alabama Cullman AL 257,166 4.89 7.12 7.24 9.45 10.28 63.25 5.12 5.18    
370 Guaranty Bank Milwaukee WI 1,593,888 3.55 5.56 4.31 5.82 10.02 40.16 6.41 5.19    
371 The Cowlitz Bank Longview WA 591,760 6.23 9.63 7.54 9.38 10.64 56.33 7.39 5.19    
372 White Rock Bank Cannon Falls MN 151,049 6.38 8.12 7.98 9.41 10.52 70.50 5.39 5.21    
373 First Peoples Bank Port St. Lucie FL 250,592 6.14 8.42 8.11 9.87 11.12 64.82 5.61 5.21    
374 State Bank of Park Rapids Park Rapids MN 104,227 7.33 8.73 8.09 11.60 12.86 71.62 5.86 5.22    
375 Commercial State Bank of El Campo El Campo TX 142,456 4.71 6.72 6.67 9.95 11.20 59.54 5.28 5.23    
376 Irwin Union Bank and Trust Company Columbus IN 3,492,332 6.06 6.10 5.03 6.45 8.65 60.32 6.34 5.23    
377 American State Bank Tulsa OK 11,429 5.69 8.54 8.60 13.31 14.68 60.52 5.31 5.25    
378 Community South Bank Parsons TN 696,467 3.57 6.80 6.62 11.23 12.49 46.66 5.43 5.26    
379 State Bank of New Prague New Prague MN 134,177 6.74 8.14 7.89 11.25 12.50 74.29 5.54 5.26    
380 Kendall State Bank Valley Falls KS 36,857 7.54 9.60 9.73 11.84 13.10 70.49 5.22 5.26    
381 New Century Bank Chicago IL 487,075 8.35 8.69 8.49 8.64 9.90 82.46 5.38 5.26    
382 First National Bank of the Mid-Cities Bedford TX 32,602 7.20 9.25 9.20 11.53 12.79 68.18 5.29 5.27    
383 Alliant Bank Sedgwick KS 15,086 10.27 8.05 7.62 12.17 13.47 88.98 5.67 5.28    
384 Bank of Essex Tappahannock VA 1,366,963 6.69 12.49 7.58 17.11 18.76 50.14 10.08 5.31    
385 Grand Timber Bank Mcgregor MN 49,068 11.91 10.52 10.14 13.20 14.46 100.78 5.61 5.33    
386 Bank of Shorewood Shorewood IL 139,548 6.12 8.32 8.13 9.40 10.11 68.58 5.54 5.33    
387 CenterBank of Jacksonville, National Association Jacksonville FL 186,021 10.19 12.34 9.59 11.63 12.89 73.55 7.98 5.33    
388 Mountain Heritage Bank Clayton GA 136,753 5.43 6.74 6.88 9.25 10.49 66.76 5.25 5.33    
389 Eastside  Commercial  Bank, National Association Bellevue WA 80,472 4.63 6.59 7.01 9.75 11.02 55.90 5.01 5.34    
390 Fidelity Bank Dearborn MI 1,074,898 6.85 10.06 8.32 9.49 10.41 63.01 7.15 5.36    
391 Golden Security Bank Rosemead CA 184,730 6.34 7.35 7.44 9.05 10.31 71.52 5.31 5.37    
392 Magyar Bank New Brunswick NJ 557,037 5.42 7.35 7.49 9.83 11.08 64.11 5.29 5.39    
393 MidCountry Bank Marion IL 968,456 5.54 9.29 7.19 9.56 10.82 52.43 7.57 5.39    
394 American Enterprise Bank Buffalo Grove IL 381,740 4.56 7.35 6.96 8.78 10.03 54.50 5.77 5.39    
395 American Trust Bank Roswell GA 273,599 8.14 8.31 8.67 9.63 10.86 84.26 5.16 5.39    
396 Sunrise Bank of Arizona Phoenix AZ 131,394 6.58 7.18 7.87 8.87 10.12 79.15 4.83 5.39    
397 Cherokee Bank, National Association Canton GA 226,998 6.09 6.82 7.37 9.41 10.67 71.95 5.02 5.41    
398 Sunshine State Community Bank Port Orange FL 173,255 6.02 7.92 7.60 10.26 11.52 67.42 5.74 5.41    
399 Northland National Bank Gladstone MO 72,903 11.94 10.22 9.20 18.89 20.17 98.44 6.41 5.41    
400 First Bank and Trust Company of Illinois Palatine IL 360,401 26.05 18.14 18.00 22.20 23.46 134.26 5.47 5.41    
401 First National Bank Midwest Oskaloosa IA 117,646 9.61 10.26 9.45 10.73 11.98 82.97 6.24 5.41    
402 St. Stephen State Bank Saint Stephen MN 29,494 3.45 5.62 5.46 6.96 8.23 43.50 5.58 5.42    
403 Citizens State Bank Hudson WI 184,570 7.88 8.09 7.49 9.90 11.17 74.73 5.99 5.42