UNOFFICIAL Troubled Bank List as of 09/30/2011

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 Douglas County Bank Douglasville GA 328,935 33.70 4.53 4.44 5.49 6.45 635.04 -17.59 -17.54    
2 The First State Bank Stockbridge GA 536,936 30.08 1.10 0.78 0.96 1.92 870.17 -16.65 -16.22    
3 Security Exchange Bank Marietta GA 160,891 33.68 3.19 2.77 3.71 4.96 710.92 -16.53 -16.06    
4 Country Bank Aledo IL 195,034 33.59 -3.38 -3.23 -4.65 -4.65 384.31 -16.08 -15.33   Failed on 10/14/2011
5 Palm Desert National Bank Palm Desert CA 126,239 33.30 3.26 3.16 4.36 5.66 474.69 -15.79 -15.20    
6 Builders Bank Chicago IL 303,538 33.52 7.04 7.06 10.54 11.80 395.28 -13.97 -14.01    
7 Eastern Savings Bank, FSB Hunt Valley MD 641,000 42.39 6.98 6.98 10.19 11.44 530.27 -13.79 -13.79    
8 Piedmont Community Bank Gray GA 198,993 30.18 0.67 0.68 0.88 1.76 858.45 -12.84 -12.70   Failed on 10/14/2011
9 Central Progressive Bank Lacombe LA 383,132 23.29 0.64 0.63 0.82 1.64 848.24 -12.42 -12.38   Failed on 11/18/2011
10 First Guaranty Bank and Trust Company of Jacksonville Jacksonville FL 377,894 27.55 1.66 1.64 2.12 3.42 520.46 -11.83 -11.88    
11 Blue Ridge Savings Bank, Inc. Asheville NC 161,430 31.66 0.89 0.88 1.15 2.31 826.42 -11.95 -11.87   Failed on 10/14/2011
12 First Capital Bank Kingfisher OK 54,582 26.93 2.93 2.39 3.75 5.03 490.36 -13.45 -10.65    
13 Providence Bank Alpharetta GA 117,645 27.22 9.16 7.08 8.74 9.90 270.14 -7.32 -10.30    
14 Bank of Las Vegas Las Vegas NV 337,042 25.99 2.02 2.01 2.61 3.93 372.64 -9.85 -9.84    
15 Central Florida State Bank Belleview FL 79,358 23.25 1.83 1.70 2.41 3.69 473.88 -10.23 -9.81    
16 Community Bank of the Ozarks Sunrise Beach MO 53,477 28.03 4.47 4.03 4.86 6.13 399.76 -10.69 -9.77    
17 American Metro Bank Chicago IL 88,283 26.04 4.72 3.69 5.14 6.42 343.38 -8.27 -9.22    
18 First National Bank of Brookfield Brookfield IL 167,618 26.96 5.15 5.10 6.92 8.18 388.70 -8.87 -8.83    
19 Community Capital Bank Jonesboro GA 165,291 19.26 1.14 1.05 1.46 2.72 750.46 -9.28 -8.73   Failed on 10/21/2011
20 Montgomery Bank & Trust Ailey GA 188,095 22.56 2.62 2.37 3.33 4.59 527.46 -9.19 -8.67    
21 Global Commerce Bank Doraville GA 155,247 22.19 2.98 2.71 4.74 6.03 375.09 -8.26 -8.58    
22 Beach Community Bank Fort Walton Beac FL 629,190 25.06 6.35 5.48 7.20 8.46 327.71 -7.69 -8.56    
23 Old Harbor Bank Clearwater FL 209,048 13.91 -1.69 -1.84 -2.65 -2.65 2,033.85 -8.47 -8.48   Failed on 10/21/2011
24 OptimumBank Plantation FL 166,940 21.80 2.07 2.54 3.50 4.77 551.53 -9.22 -8.47    
25 Pisgah Community Bank Asheville NC 30,326 23.77 1.96 2.02 2.54 3.88 285.24 -7.38 -7.64    
26 Jasper Banking Company Jasper GA 211,411 22.49 6.00 4.83 7.17 8.20 284.22 -6.18 -7.38    
27 The RiverBank Wyoming MN 419,723 17.20 1.14 0.81 1.06 2.13 429.37 -6.91 -7.29   Failed on 10/07/2011
28 Carolina Federal Savings Bank Charleston SC 57,667 21.97 2.10 2.10 2.78 4.05 534.02 -7.29 -7.29    
29 Georgia Trust Bank Buford GA 130,706 19.48 2.54 2.44 3.60 4.86 448.69 -7.23 -7.23    
30 Premier Community Bank of the Emerald Coast Crestview FL 125,976 14.99 -0.86 -0.90 -1.34 -1.34 987.96 -7.46 -7.19    
31 Gwinnett Community Bank Duluth GA 514,856 19.31 3.38 3.26 4.64 5.90 373.64 -6.56 -6.80    
32 Park Cities Bank Dallas TX 632,005 24.22 6.39 6.09 8.19 9.45 292.10 -7.09 -6.71    
33 Peoples Bank & Trust Buford GA 321,108 17.65 3.70 3.37 4.72 5.98 380.40 -6.33 -6.44    
34 First Cherokee State Bank Woodstock GA 244,259 16.33 2.36 2.33 3.35 4.61 418.21 -6.31 -6.39    
35 Hometown Community Bank Braselton GA 139,398 20.36 4.28 4.29 7.07 8.34 344.66 -6.41 -6.29    
36 Westside Community Bank University Place WA 135,029 24.98 6.39 6.14 7.61 8.88 291.11 -6.22 -6.21    
37 SunFirst Bank Saint George UT 198,081 17.91 6.40 2.02 2.69 3.98 180.23 -1.33 -6.15   Failed on 11/04/2011
38 Gulf Coast Community Bank Pensacola FL 223,123 20.75 4.72 4.36 5.61 6.87 327.80 -5.87 -6.14    
39 American Patriot Bank Greeneville TN 94,415 19.31 2.36 2.28 3.04 4.30 421.35 -6.26 -6.11    
40 EuroBank Coral Gables FL 83,434 21.45 4.35 4.14 5.30 10.60 338.17 -6.23 -6.03    
41 Sun Security Bank Ellington MO 351,492 20.81 4.19 2.00 2.77 4.07 252.51 -3.96 -5.96   Failed on 10/07/2011
42 Putnam State Bank Palatka FL 177,381 18.16 3.78 3.45 4.41 5.68 308.94 -5.54 -5.94    
43 HarVest Bank of Maryland Rockville MD 158,623 17.59 3.01 2.73 3.89 5.16 341.89 -5.51 -5.92    
44 Legacy State Bank Loganville GA 79,543 18.89 4.71 4.68 6.65 7.59 324.25 -6.08 -5.91    
45 Polk County Bank Johnston IA 91,580 16.52 1.65 1.35 1.82 3.09 397.69 -6.11 -5.90   Failed on 11/18/2011
46 First South Bank Spartanburg SC 400,033 19.89 5.04 4.83 6.33 7.59 315.24 -5.86 -5.84    
47 The Patterson Bank Patterson GA 128,307 16.46 2.52 2.20 2.99 4.25 393.17 -5.45 -5.29    
48 Premier Bank Wilmette IL 280,539 18.77 4.65 3.75 6.08 7.36 264.10 -4.59 -5.21    
49 DuPage National Bank West Chicago IL 71,583 18.52 2.33 2.08 3.23 4.51 338.40 -5.37 -4.94    
50 Advantage Bank Loveland CO 354,083 19.45 4.20 4.04 5.78 7.06 281.74 -4.77 -4.82    
51 Decatur First Bank Decatur GA 184,750 11.92 0.87 0.48 0.73 1.38 472.04 -4.42 -4.74   Failed on 10/21/2011
52 Community South Bank Parsons TN 591,878 16.20 4.17 4.05 4.98 6.24 265.16 -4.67 -4.74    
53 Charter National Bank and Trust Hoffman Estates IL 98,409 18.00 4.07 3.37 4.24 5.52 265.66 -4.14 -4.69    
54 Patriot Bank Minnesota Forest Lake MN 111,328 14.62 2.02 1.85 2.15 3.43 264.40 -4.34 -4.52    
55 CenTrust Bank, National Association Northbrook IL 94,430 25.91 7.41 7.25 9.11 10.40 233.89 -4.55 -4.44    
56 The Peoples Bank Covington GA 124,652 18.85 5.25 5.07 7.30 8.57 264.93 -4.43 -4.28    
57 First Citizens Bank of Georgia Dawsonville GA 107,162 16.41 4.31 3.75 4.58 5.84 284.44 -3.87 -4.19    
58 Community Bank of Rockmart Rockmart GA 62,383 15.18 2.19 2.19 3.22 4.50 346.07 -3.80 -3.84   Failed on 11/10/2011
59 First City Bank of Florida Fort Walton Beac FL 270,289 14.98 2.44 2.40 3.46 4.73 321.29 -3.94 -3.77    
60 Heritage Bank of North Florida Orange Park FL 138,155 17.64 3.07 2.91 3.52 4.81 278.52 -3.57 -3.68    
61 Covenant Bank & Trust Rock Spring GA 101,462 16.93 2.96 2.55 3.18 4.47 253.68 -3.14 -3.51    
62 Sevier County Bank Sevierville TN 344,903 20.21 8.28 6.08 7.62 8.91 178.50 -0.84 -3.39    
63 Community Banks of Colorado Greenwood Villag CO 1,280,964 14.25 1.73 1.64 2.12 3.41 266.38 -3.35 -3.22   Failed on 10/21/2011
64 Northside Bank Adairsville GA 129,964 11.81 3.24 3.16 4.35 5.60 285.32 -3.01 -3.22    
65 Plantation Federal Bank Pawleys Island SC 516,579 13.21 2.66 2.66 3.85 5.12 276.68 -3.17 -3.17    
66 Western National Bank Phoenix AZ 162,872 17.45 1.05 1.01 1.19 2.37 232.71 -3.24 -3.13    
67 Sunrise Bank Valdosta GA 85,614 17.88 2.18 2.01 2.89 4.20 247.39 -3.38 -3.12    
68 Tennessee Commerce Bank Franklin TN 1,184,915 10.92 0.99 0.95 1.17 2.34 272.94 -3.53 -3.02    
69 First Commercial Bank Bloomington MN 238,639 17.45 3.22 3.10 4.09 5.40 227.48 -2.99 -2.96    
70 First National Bank of Crestview Crestview FL 110,992 22.30 8.17 7.34 10.79 12.08 201.51 -2.13 -2.95    
71 Security Bank, National Association North Lauderdale FL 102,820 20.68 4.45 4.13 6.77 8.09 231.03 -3.08 -2.86    
72 WestSide Bank Hiram GA 139,541 15.58 5.74 5.32 7.34 8.59 220.45 -2.48 -2.85    
73 SUNRISE BANK OF ARIZONA Phoenix AZ 325,632 15.83 2.11 2.02 2.62 3.92 244.81 -2.95 -2.82    
74 Metropolitan National Bank Little Rock AR 1,118,310 19.28 6.14 5.57 7.78 9.06 218.07 -2.24 -2.65    
75 Delta Bank, National Association Manteca CA 104,380 22.94 9.88 9.89 15.19 16.45 204.38 -2.53 -2.61    
76 Eagle Community Bank Maple Grove MN 22,964 15.03 5.47 5.18 7.45 8.50 241.67 -2.52 -2.54    
77 TransCapital Bank Sunrise FL 244,414 23.55 7.45 7.53 9.30 10.58 227.74 -2.49 -2.52    
78 1st Commerce Bank North Las Vegas NV 32,158 16.58 2.18 2.08 3.55 4.91 196.06 -2.64 -2.51    
79 Citizens Commerce National Bank Versailles KY 244,772 13.47 2.73 2.72 4.78 6.06 262.41 -2.52 -2.46    
80 BankEast Knoxville TN 272,630 11.07 0.89 0.85 1.08 2.16 257.57 -2.39 -2.45    
81 Mid City Bank, Inc. Omaha NE 106,075 10.01 0.28 -0.38 -0.68 -0.68 201.52 -1.90 -2.43   Failed on 11/04/2011
82 First State Bank Cranford NJ 191,852 10.12 1.07 0.84 1.09 2.18 222.70 -2.26 -2.39   Failed on 10/14/2011
83 First Sound Bank Seattle WA 146,234 10.91 2.09 2.07 2.95 4.23 228.63 -2.37 -2.38    
84 First Covenant Bank Commerce GA 154,922 15.09 5.59 5.42 7.15 8.42 225.48 -2.17 -2.34    
85 Idaho Banking Company Boise ID 147,868 16.71 3.02 2.80 3.52 4.82 222.70 -2.22 -2.19    
86 Liberty Bank, F.S.B. West Des Moines IA 994,972 11.35 2.51 2.50 3.49 4.76 236.54 -2.15 -2.17    
87 First Bank and Trust Company of Illinois Palatine IL 343,363 23.78 9.57 9.32 12.38 13.67 216.81 -2.16 -2.15    
88 Brooklyn Federal Savings Bank Brooklyn NY 458,986 24.60 8.31 8.20 12.82 14.17 205.21 -1.99 -2.13    
89 Waccamaw Bank Whiteville NC 582,495 9.61 2.11 0.68 1.00 2.00 190.84 -0.67 -2.13    
90 First Citizens Bank of Polson, National Association Polson MT 25,055 24.83 11.87 11.15 15.56 16.84 172.39 -1.70 -2.11    
91 Capitol City Bank & Trust Company Atlanta GA 297,582 13.14 4.28 4.07 4.80 6.06 220.43 -1.84 -1.93    
92 Home Savings of America Little Falls MN 440,000 11.93 2.73 2.45 4.59 5.76 356.28 -1.59 -1.90    
93 Central Bank of Georgia Ellaville GA 276,225 14.10 3.35 3.31 4.62 5.90 234.80 -1.77 -1.88    
94 The Royal Palm Bank of Florida Naples FL 95,978 16.11 2.27 2.11 3.33 4.66 213.77 -1.83 -1.82    
95 The Leaders Bank Oak Brook IL 506,762 11.94 2.07 1.70 2.46 4.92 216.24 -1.78 -1.80    
96 Truman Bank St. Louis MO 337,947 21.82 5.59 5.26 7.04 8.36 202.53 -1.42 -1.80    
97 SUNRISE BANK OF ALBUQUERQUE Albuquerque NM 60,961 14.02 2.11 2.07 2.72 4.02 240.59 -1.75 -1.72    
98 Golden State Bank Upland CA 112,825 19.47 6.70 6.80 8.90 10.19 195.47 -1.68 -1.71    
99 Farmers & Merchants Bank Lakeland GA 590,377 12.82 4.25 3.93 5.42 6.69 210.03 -1.39 -1.71    
100 Nantahala Bank & Trust Company Franklin NC 184,948 15.48 5.51 5.47 7.04 8.92 205.03 -1.42 -1.64    
101 Fort Lee Federal Savings Bank, FSB Fort Lee NJ 54,939 8.74 5.72 2.67 4.44 5.69 134.35 1.71 -1.61    
102 Chipola Community Bank Marianna FL 42,635 10.77 4.18 3.43 5.53 6.79 195.78 -0.86 -1.55    
103 1st Advantage Bank Saint Peters MO 83,730 15.98 5.21 4.78 6.23 7.49 218.50 -1.41 -1.55    
104 Bank of Jackson County Graceville FL 28,902 11.44 2.01 1.80 2.22 3.49 270.02 -1.51 -1.51    
105 Citizens State Bank Kingsland GA 72,668 19.62 7.21 6.30 8.63 9.91 202.80 -0.71 -1.48    
106 First CornerStone Bank King Of Prussia PA 174,306 16.11 6.60 6.16 9.19 10.40 217.05 -1.20 -1.47    
107 Friends Bank New Smyrna Beach FL 132,756 17.38 8.31 5.98 7.73 9.00 158.67 1.22 -1.39    
108 Eastside Commercial Bank Conyers GA 204,964 15.66 4.84 4.59 6.39 7.67 200.11 -1.36 -1.37    
109 The Bank of Commerce Sarasota FL 254,771 11.17 5.09 2.78 3.63 7.27 150.64 1.02 -1.30    
110 American Enterprise Bank Buffalo Grove IL 310,516 22.06 8.93 8.12 10.88 12.17 172.57 -0.63 -1.17    
111 First United Bank Crete IL 375,638 12.20 3.30 2.84 4.82 6.14 172.85 -0.66 -1.07    
112 Frontier Bank Lagrange GA 319,044 15.38 7.72 5.75 8.28 9.58 151.40 1.32 -1.02    
113 Northern Star Bank Mankato MN 32,880 10.40 3.54 3.49 4.71 5.97 200.00 -1.09 -0.99    
114 First Community Bank of Southwest Florida Fort Myers FL 301,588 11.26 3.65 3.41 4.76 6.03 198.59 -0.89 -0.95    
115 Union National Bank and Trust Company of Elgin Elgin IL 422,651 14.71 4.81 4.68 5.99 7.28 186.13 -0.94 -0.92    
116 SCB Bank Shelbyville IN 200,413 8.28 2.77 3.07 4.14 5.40 199.20 -1.24 -0.92    
117 Michigan Commerce Bank Ann Arbor MI 822,543 14.20 2.26 2.14 2.80 4.12 187.40 -0.82 -0.84    
118 Georgia Heritage Bank Dallas GA 73,198 9.13 3.81 3.62 5.20 6.45 187.72 -0.58 -0.74    
119 Heritage Bank Jonesboro GA 380,807 11.54 4.76 4.64 6.35 7.61 182.97 -0.54 -0.73    
120 FirstSecure Bank and Trust Co. Palos Hills IL 65,563 15.57 5.02 4.90 7.79 9.10 173.17 -0.61 -0.63    
121 Village Bank Saint Francis MN 220,424 15.05 4.56 4.28 5.63 6.94 168.57 -0.43 -0.60    
122 Central Arizona Bank Casa Grande AZ 46,707 14.11 3.10 2.26 3.89 5.20 190.93 -0.70 -0.51    
123 Rocky Mountain Bank Wilson WY 237,554 13.98 3.53 3.34 4.91 6.22 175.91 -0.44 -0.46    
124 Florida Capital Bank, National Association Jacksonville FL 751,156 11.04 4.16 4.04 6.81 8.08 180.44 -0.45 -0.46    
125 Bank of the Eastern Shore Cambridge MD 170,310 11.37 2.41 2.20 2.74 4.02 195.12 -0.37 -0.45    
126 Affinity Bank Atlanta GA 332,171 8.62 2.94 3.11 4.54 5.80 202.47 -0.89 -0.39    
127 United American Bank San Mateo CA 264,860 11.70 3.52 3.37 4.48 5.77 173.28 -0.40 -0.38    
128 Great Florida Bank Coral Gables FL 1,192,419 12.63 5.01 4.67 7.10 8.40 187.42 -0.33 -0.35    
129 Bank of Bartlett Bartlett TN 371,381 9.30 3.52 3.24 5.36 6.63 176.92 -0.06 -0.35    
130 Premier Bank Maplewood MN 580,423 16.03 8.30 7.50 9.40 10.66 154.24 0.70 -0.35    
131 First Chatham Bank Savannah GA 540,904 12.08 4.04 4.46 5.88 7.15 193.63 -0.81 -0.32    
132 Banks of Wisconsin Kenosha WI 176,870 14.45 6.40 5.13 7.20 8.47 174.16 0.84 -0.30    
133 The Village Bank Saint George UT 183,849 10.90 6.22 2.58 3.51 4.80 112.36 3.48 -0.27    
134 GreenChoice Bank, fsb Chicago IL 63,568 17.74 9.34 8.12 10.07 10.45 183.95 1.20 -0.25    
135 Community Bank and Trust - West Georgia Lagrange GA 90,642 19.72 7.46 7.10 9.17 10.12 214.04 -0.09 -0.22    
136 Second Federal Savings and Loan Association of Chicago Chicago IL 208,861 11.08 3.03 3.04 4.69 5.94 229.74 0.17 -0.20    
137 First Bank West Des Moines IA 98,360 12.56 4.67 4.53 6.71 8.00 166.15 -0.09 -0.11    
138 GulfSouth Private Bank Destin FL 181,319 16.46 8.83 6.71 9.47 10.75 141.84 2.32 -0.11    
139 Independent Banker's Bank of Florida Lake Mary FL 258,777 19.55 7.84 6.83 10.60 11.92 151.65 0.64 -0.08    
140 The Heritage Bank Hinesville GA 895,052 11.98 4.75 4.25 6.39 7.67 163.68 0.46 -0.06    
141 The Citizens Bank of East Tennessee Rogersville TN 131,793 12.52 5.83 5.78 8.25 9.51 173.37 0.00 -0.04    
142 All American Bank Des Plaines IL 34,800 14.08 2.01 1.88 2.62 3.97 174.71 0.01 -0.03   Failed on 10/28/2011
143 Liberty FSB Enid OK 130,598 10.14 3.83 4.00 6.14 7.40 179.96 -0.18 -0.02    
144 Prime Pacific Bank, National Association Lynnwood WA 136,690 13.50 7.78 5.29 7.00 8.28 131.20 2.81 0.04    
145 Premier Bank Tallahassee FL 328,362 10.85 3.73 3.61 5.69 6.99 170.23 0.18 0.05    
146 Riverland Bank Jordan MN 26,875 10.97 2.92 2.63 4.13 5.42 182.03 0.10 0.09    
147 Inter Savings Bank, fsb  D/B/A  Interbank,  fsb Maple Grove MN 502,342 8.21 2.23 2.28 3.01 4.27 205.27 0.05 0.10    
148 Goldwater Bank, N.A. Scottsdale AZ 162,743 8.44 3.55 3.30 7.47 8.63 172.94 0.24 0.15    
149 State Central Bank Keokuk IA 211,300 9.55 4.02 3.01 4.83 6.12 140.12 1.15 0.17    
150 Mile High Banks Longmont CO 1,042,659 12.46 3.50 3.31 4.46 5.75 171.01 0.20 0.18    
151 Boundary Waters Bank Ely MN 114,661 13.87 6.16 6.15 7.60 8.88 162.66 0.26 0.25    
152 Fidelity Bank of Florida, National Association Merritt Island FL 360,291 15.54 4.71 4.62 6.52 7.83 169.10 0.34 0.31    
153 Anchor Commercial Bank North Palm Beach FL 135,074 11.44 4.80 4.34 6.21 7.49 154.84 0.61 0.31    
154 Bank of Eastman Eastman GA 236,017 13.65 5.44 4.75 6.77 8.06 163.32 0.91 0.32    
155 MBank Gresham OR 196,720 10.66 3.71 3.71 5.53 6.81 169.62 0.30 0.33    
156 State Bank of Cokato Cokato MN 51,823 11.39 5.30 5.28 7.50 8.77 164.92 0.28 0.37    
157 First Carolina State Bank Rocky Mount NC 90,255 9.94 2.09 2.01 3.00 4.31 163.95 0.44 0.39    
158 NewDominion Bank Charlotte NC 404,450 10.63 4.56 4.04 6.20 7.48 149.43 0.91 0.44    
159 New City Bank Chicago IL 77,509 19.49 4.43 4.14 6.68 8.04 189.06 0.51 0.46    
160 Parkway Bank Lenoir NC 115,838 7.73 3.31 2.99 4.16 5.44 143.63 0.77 0.47    
161 1st Regents Bank Andover MN 67,784 9.86 2.92 2.81 3.79 5.09 146.80 0.65 0.48    
162 Excel Bank Sedalia MO 250,570 14.53 5.35 5.10 7.04 8.34 152.94 0.71 0.50    
163 South Carolina Community Bank Columbia SC 81,881 11.77 4.82 4.77 6.98 8.23 162.39 0.58 0.57    
164 Bank of Belton Belton MO 49,219 9.99 6.93 5.05 8.20 9.45 126.86 2.42 0.59    
165 Monterey County Bank Monterey CA 269,524 13.03 8.18 7.23 10.86 12.23 137.90 1.60 0.67    
166 Union Bank Kansas City MO 459,383 13.07 3.96 3.63 4.46 5.75 162.47 0.84 0.71    
167 State Bank of Delano Delano MN 80,450 13.09 5.94 5.48 7.74 9.01 161.46 1.12 0.73    
168 Community Bank of Pickens County Jasper GA 304,773 11.60 6.84 5.87 7.59 8.85 140.41 1.90 0.73    
169 Mountain 1st Bank & Trust Company Hendersonville NC 726,979 7.35 4.59 3.81 6.28 7.54 122.92 1.61 0.77    
170 Farmers Exchange Bank Louisville AL 195,033 8.48 4.75 4.58 6.50 7.75 142.81 0.93 0.78    
171 Peoples Bank & Trust Company Owenton KY 69,251 21.20 11.85 15.71 20.33 21.58 162.31 -4.02 0.78    
172 Archer Bank Chicago IL 585,066 14.36 8.84 5.41 8.13 9.45 117.89 4.71 0.78    
173 Farmers & Merchants Bank Statesboro GA 231,406 11.41 4.29 4.17 5.88 7.17 155.08 0.87 0.84    
174 Lone Summit Bank Lake Lotawana MO 28,200 11.62 5.55 4.53 6.35 7.63 128.36 1.87 0.85    
175 Signature Bank of Georgia Sandy Springs GA 181,114 9.41 5.97 5.22 8.45 9.71 130.79 1.67 0.88    
176 Cornerstone Bank Wilson NC 152,081 7.48 2.68 2.38 3.71 5.00 140.40 1.20 0.92    
177 First State Bank Wrens GA 78,471 13.50 7.18 7.05 10.40 11.66 151.85 1.09 0.94    
178 Bank of Granite Granite Falls NC 765,707 7.21 2.42 2.57 4.13 5.42 145.80 0.82 1.03    
179 Eagle Valley Bank, National Association St. Croix Falls WI 152,484 6.96 3.87 3.82 6.02 7.28 133.08 1.11 1.07    
180 Bank of Wausau Wausau WI 70,874 11.55 5.28 5.10 6.46 7.71 149.29 1.12 1.12    
181 Waukegan Savings Bank Waukegan IL 87,791 5.91 3.12 2.95 4.82 6.07 141.94 1.27 1.14    
182 Decatur State Bank Decatur AR 173,566 12.32 4.05 4.08 5.35 6.58 150.32 1.15 1.16    
183 The Bank of Georgia Peachtree City GA 394,466 8.61 5.59 4.62 6.33 7.66 120.57 2.34 1.20    
184 The Farmers Bank Forsyth GA 65,706 12.74 7.11 7.03 10.16 11.42 144.10 1.27 1.21    
185 First National Bank of Griffin Griffin GA 258,479 9.31 7.18 5.02 8.47 9.74 104.81 3.59 1.21    
186 First National Bank in Howell Howell MI 299,222 9.50 3.43 3.31 4.31 5.60 139.48 1.33 1.23    
187 First Mariner Bank Baltimore MD 1,197,822 5.94 3.02 3.42 4.55 5.80 141.59 0.91 1.23    
188 Independence Federal Savings Bank Washington DC 100,809 10.60 4.51 4.37 7.95 9.23 163.20 1.46 1.32    
189 Premier Bank Minnesota Farmington MN 182,720 14.42 7.67 7.42 10.40 11.67 145.59 1.42 1.35    
190 Ocean Bank Miami FL 3,400,218 9.00 4.91 4.71 7.69 8.96 138.23 1.49 1.35    
191 Scotiabank de Puerto Rico San Juan PR 6,856,107 13.14 10.91 7.82 16.92 18.18 111.40 5.09 1.43    
192 Citizens First National Bank Princeton IL 1,069,526 9.33 6.01 5.29 7.90 9.17 123.56 2.17 1.43    
193 Alabama Trust Bank, National Association Sylacauga AL 59,455 7.23 4.00 3.69 5.54 6.83 118.18 1.75 1.47    
194 First Tuskegee Bank Tuskegee AL 66,726 15.11 9.38 9.02 13.65 14.90 144.97 1.94 1.57    
195 Regal Financial Bank Seattle WA 107,014 9.40 4.94 5.04 6.93 8.20 131.80 1.66 1.57    
196 Baytree National Bank & Trust Company Lake Forest IL 208,123 8.85 3.40 5.90 7.18 8.37 204.11 -1.02 1.60    
197 NOVA Bank Berwyn PA 543,645 4.21 2.53 2.27 3.31 4.58 96.33 1.91 1.66    
198 PrimeSouth Bank Blackshear GA 372,908 10.55 6.40 5.13 8.03 9.31 118.51 2.92 1.67    
199 U. S. Century Bank Doral FL 1,500,209 13.49 4.81 4.54 5.50 6.80 141.46 1.82 1.67    
200 Synergy Bank, S.S.B. Mckinney TX 122,932 15.68 13.65 9.76 13.70 14.95 104.95 6.14 1.68    
201 PlantersFIRST Cordele GA 288,664 10.56 5.10 4.86 7.08 8.36 135.76 1.87 1.68    
202 Farmers' and Traders' State Bank Shabbona IL 52,969 10.71 5.88 5.12 9.50 10.78 131.82 2.02 1.73    
203 North Alabama Bank Hazel Green AL 115,884 16.14 10.51 9.30 12.64 13.91 127.77 3.02 1.75    
204 Horry County State Bank Loris SC 544,826 9.18 3.15 3.31 4.35 5.64 135.62 1.57 1.76    
205 Mountain National Bank Sevierville TN 516,398 9.96 4.26 4.14 5.78 7.06 139.55 1.88 1.77    
206 Fidelity Bank Dearborn MI 845,759 10.52 4.67 4.61 5.65 6.94 133.56 1.82 1.79    
207 Superior Bank Hazelwood MO 45,222 13.78 6.85 6.43 8.37 9.63 156.05 1.98 1.85    
208 Border Trust Company Augusta ME 51,757 5.89 4.52 4.14 7.29 8.18 116.67 2.11 1.87    
209 Viking Bank Seattle WA 387,392 8.80 5.35 4.86 6.83 8.10 115.66 2.34 1.90    
210 Stonebridge Bank Exton PA 315,504 12.38 6.20 5.79 7.95 9.23 140.82 2.18 1.90    
211 First East Side Savings Bank Tamarac FL 72,829 8.93 5.42 5.17 9.39 10.65 140.30 2.20 1.93    
212 Bank of Naples Naples FL 152,963 11.00 2.70 2.54 4.53 5.89 126.13 2.09 1.94    
213 FLAGLER BANK West Palm Beach FL 113,063 14.44 6.77 6.37 9.05 10.34 136.14 2.22 1.97    
214 Frontier Bank, FSB Palm Desert CA 281,103 8.37 5.23 5.13 7.88 9.14 127.11 2.10 1.99    
215 Millennium Bank, National Association Sterling VA 184,888 7.24 1.52 4.24 4.93 6.19 234.36 -0.91 2.00    
216 AnchorBank, fsb Madison WI 3,202,732 11.74 4.23 4.16 6.83 8.15 137.40 2.07 2.01    
217 Columbia Bank Lake City FL 228,821 13.99 8.77 8.24 12.05 13.32 132.61 2.49 2.03    
218 Metrobank Berwyn IL 813,513 14.80 9.22 5.18 7.34 8.67 106.86 6.40 2.05    
219 Heritage Bank of Florida Lutz FL 246,721 9.04 5.92 3.88 4.97 6.26 99.34 4.15 2.05    
220 Citizens Bank & Trust Company Eastman GA 147,161 8.57 5.13 5.30 8.48 9.74 131.15 1.76 2.08    
221 First National Bank of Baldwin County Foley AL 207,234 3.94 2.62 2.54 3.57 4.84 88.10 2.15 2.09    
222 United Central Bank Garland TX 2,612,603 15.61 9.40 9.28 20.03 21.35 134.62 2.30 2.12    
223 Gunnison Valley Bank Gunnison UT 71,333 17.92 9.79 9.93 12.26 13.51 157.86 2.10 2.13    
224 Covenant Bank Chicago IL 63,661 9.04 6.20 5.48 7.88 8.79 131.57 2.75 2.20    
225 Proficio Bank Salt Lake City UT 132,212 18.23 10.34 9.45 12.11 13.39 134.10 2.63 2.20    
226 Americana Community Bank Sleepy Eye MN 122,820 7.55 3.87 3.47 4.58 5.86 108.82 2.62 2.22    
227 Alliant Bank Sedgwick KS 13,959 5.11 3.73 3.22 7.10 8.38 92.24 2.74 2.27    
228 Northbrook Bank and Trust Company Northbrook IL 1,970,189 9.36 7.79 6.98 12.94 14.20 109.97 3.26 2.29    
229 First Community  Bank of the Ozarks Branson MO 96,642 6.53 5.10 3.39 4.77 6.05 82.23 4.06 2.33    
230 St. Louis Bank Town And Country MO 420,495 14.74 8.76 7.51 11.23 12.51 131.04 3.39 2.34    
231 HomeStar Bank and Financial Services Manteno IL 388,759 7.91 4.30 4.11 6.50 7.79 113.00 2.55 2.36    
232 The Pueblo Bank and Trust Company Pueblo CO 316,394 16.97 10.70 10.23 15.09 16.37 132.49 2.84 2.38    
233 The Bank of Macks Creek Macks Creek MO 21,239 16.72 7.34 7.17 10.76 12.04 170.03 2.52 2.38    
234 Cecil Bank Elkton MD 468,392 13.36 8.24 6.99 8.81 13.35 119.63 3.78 2.39    
235 Stephens Federal Bank Toccoa GA 190,332 9.32 5.68 5.33 7.19 8.14 128.16 2.82 2.45    
236 Security Savings Bank, SSB Southport NC 321,645 9.44 4.57 4.47 7.34 8.64 122.39 2.53 2.47    
237 State Bank of Countryside Countryside IL 742,064 12.29 8.17 7.36 9.94 11.22 122.63 3.18 2.47    
238 Grand Bank & Trust of Florida West Palm Beach FL 334,834 7.85 4.90 4.49 6.42 7.70 105.73 2.76 2.47    
239 ProBank Tallahassee FL 89,928 6.43 4.14 4.12 6.60 7.86 111.18 2.47 2.47    
240 Legacy Bank of Florida Boca Raton FL 292,423 7.40 5.53 5.04 6.92 8.19 99.50 2.93 2.48    
241 Central Virginia Bank Powhatan VA 400,702 8.81 4.25 5.31 8.10 9.38 131.13 1.38 2.48    
242 The Farmers Bank of Lynchburg Lynchburg TN 162,352 7.87 5.16 3.13 4.53 5.83 85.29 4.50 2.49    
243 Patriot Bank Brooklyn IA 58,159 7.78 6.66 5.56 9.53 10.78 94.31 3.59 2.52    
244 The Bank of Elk River Elk River MN 389,253 9.08 6.99 4.59 5.94 7.23 88.58 5.04 2.54    
245 Syringa Bank Boise ID 206,769 7.20 5.22 5.00 6.00 7.26 99.79 2.75 2.56    
246 Heartland Bank Leawood KS 130,306 5.50 2.92 3.05 4.63 6.41 96.41 2.46 2.57    
247 Park State Bank & Trust Woodland Park CO 87,801 9.78 6.76 6.57 9.76 11.02 119.92 2.78 2.58    
248 Tidelands Bank Mount Pleasant SC 531,963 9.37 5.55 5.44 6.99 8.26 122.30 2.70 2.59    
249 Grand Mountain Bank, FSB Granby CO 106,108 13.11 6.30 6.28 9.17 10.47 135.31 2.87 2.63    
250 The Community Bank, A Massachusetts Cooperative Bank Brockton MA 326,331 8.31 5.92 5.75 9.13 10.39 113.15 2.87 2.66    
251 First State Bank Danville VA 37,871 5.01 3.74 3.39 4.92 6.18 93.08 3.06 2.68    
252 The Community's Bank Bridgeport CT 38,639 6.55 9.52 5.77 9.58 10.83 62.77 6.71 2.71    
253 Carver Federal Savings Bank New York NY 677,694 17.10 9.08 9.12 12.15 14.37 143.17 2.68 2.72    
254 First American State Bank Greenwood Villag CO 236,546 9.13 6.95 6.53 10.29 11.54 111.80 3.22 2.74    
255 Prime Security Bank Karlstad MN 68,880 9.91 7.13 6.30 9.19 10.45 114.67 3.19 2.80    
256 Flagship Bank Minnesota Wayzata MN 121,053 5.45 7.31 4.51 6.46 7.73 59.25 5.68 2.80    
257 Mission Oaks National Bank Temecula CA 141,257 15.82 9.67 9.15 12.50 13.78 126.17 3.09 2.82    
258 Columbia Savings Bank Cincinnati OH 49,518 15.89 6.84 6.58 10.31 11.59 170.13 2.95 2.83    
259 Northwest Georgia Bank Ringgold GA 510,370 8.37 6.80 5.44 11.52 12.81 94.47 4.10 2.85    
260 Stoneham Savings Bank Stoneham MA 336,594 3.32 5.93 3.95 6.51 7.74 49.93 4.89 2.89    
261 BankCherokee Saint Paul MN 240,769 6.32 5.76 5.55 9.99 11.24 93.26 3.12 2.90    
262 Arthur State Bank Union SC 602,323 7.74 5.01 4.90 5.94 7.21 113.82 2.99 2.91    
263 Reliance Bank, FSB Fort Myers FL 76,634 10.65 7.69 4.60 8.13 9.46 88.97 6.12 2.91    
264 Mohave State Bank Lake Havasu City AZ 289,968 14.27 9.64 9.14 11.54 12.59 124.02 3.25 2.91    
265 Edgebrook Bank Chicago IL 93,021 9.88 5.47 5.35 8.88 10.16 127.15 3.03 2.93    
266 CNLBank Orlando FL 1,412,255 7.70 8.48 5.64 8.18 9.44 75.28 5.91 2.94    
267 American Heartland Bank and Trust Sugar Grove IL 82,833 12.83 4.77 3.61 4.44 5.76 122.13 4.13 2.97    
268 Reliance Bank Des Peres MO 1,060,282 12.01 7.91 6.82 8.91 10.20 108.76 4.05 2.98    
269 Sunrise Bank Cocoa Beach FL 109,438 8.29 4.94 4.28 6.08 7.39 97.66 3.66 2.99    
270 Premier Bank Denver CO 59,226 6.04 5.54 5.60 7.11 8.36 90.10 2.94 3.00    
271 North Star Bank Roseville MN 252,070 9.74 7.49 7.03 10.66 11.93 103.74 3.52 3.00    
272 City National Bank of New Jersey Newark NJ 349,630 13.15 8.71 7.95 11.06 12.35 111.27 3.72 3.03    
273 Bank of Newington Newington GA 70,651 9.83 7.21 7.16 9.33 10.59 112.94 3.06 3.04    
274 North Community Bank Chicago IL 963,240 12.22 8.51 5.63 7.86 9.18 102.21 6.11 3.06    
275 Colombo Bank Rockville MD 155,235 7.00 6.20 5.12 9.66 10.90 90.37 4.18 3.06    
276 First Central Savings Bank Glen Cove NY 596,255 6.53 4.23 4.19 5.85 7.12 100.70 3.09 3.06    
277 Community Shores Bank Muskegon MI 218,751 4.99 4.18 3.78 5.19 6.46 77.43 3.45 3.09    
278 First National Community Bank Chatsworth GA 133,274 11.28 9.34 7.62 12.42 13.69 101.69 4.98 3.10    
279 McHenry Savings Bank Mchenry IL 257,947 5.33 4.17 4.19 7.09 8.36 95.34 3.10 3.13    
280 Texas Community Bank, National Association The Woodlands TX 330,969 12.15 8.03 8.14 10.62 15.74 120.67 2.93 3.14    
281 Citizens State Bank Hudson WI 136,115 7.12 5.55 4.91 6.91 8.19 91.03 3.76 3.14    
282 CoastalStates Bank Hilton Head Isla SC 371,948 8.49 7.93 6.32 9.59 10.85 92.60 4.79 3.16    
283 Wheaton Bank & Trust Wheaton IL 708,653 10.66 11.19 7.80 11.19 12.45 83.49 6.99 3.16    
284 First Personal Bank Orland Park IL 166,696 8.06 7.21 5.99 9.39 10.66 88.91 4.46 3.19    
285 Hometown National bank Longview WA 18,495 11.55 4.07 3.95 6.66 8.10 116.58 3.33 3.20    
286 Albina Community Bank Portland OR 132,440 5.20 4.13 3.67 4.92 6.19 80.04 3.69 3.23    
287 Oxford Bank Oxford MI 273,154 6.50 4.10 3.97 5.92 7.14 98.58 3.34 3.24    
288 CornerstoneBank Atlanta GA 427,312 5.33 5.31 5.39 8.32 9.93 84.12 3.16 3.25    
289 F & M Bank and Trust Company Manchester GA 92,224 15.32 8.79 8.38 11.02 12.30 131.98 3.44 3.26    
290 Santa Lucia Bank Atascadero CA 232,279 9.84 5.32 5.09 8.02 9.33 104.68 3.47 3.27    
291 Urban Partnership Bank Chicago IL 1,330,858 19.82 10.58 9.92 35.34 36.73 137.54 3.99 3.27    
292 International Finance Bank Miami FL 377,737 12.11 8.90 6.27 9.63 10.91 103.30 5.81 3.28    
293 Peach State Bank & Trust Gainesville GA 151,032 7.79 4.76 4.70 6.72 8.01 97.95 3.39 3.31    
294 AztecAmerica Bank Berwyn IL 86,954 13.90 6.49 6.08 8.09 9.40 128.93 3.72 3.32    
295 Anderson Brothers Bank Mullins SC 449,903 9.78 7.27 7.03 9.12 10.39 108.90 3.58 3.32    
296 First National Bank Edinburg TX 3,674,024 14.17 9.44 9.15 12.26 13.53 121.49 3.58 3.33    
297 Bridgeview Bank Group Bridgeview IL 1,373,326 11.93 9.83 8.72 11.15 12.40 106.14 4.54 3.36    
298 Winfield Community Bank Winfield IL 67,312 2.93 4.20 4.07 6.32 7.57 57.09 3.48 3.36    
299 Seattle Bank Seattle WA 343,636 20.12 11.23 10.79 17.06 18.38 129.46 3.58 3.39    
300 Community Bank of Florida, Inc. Homestead FL 542,016 8.74 8.33 7.27 9.50 10.75 93.27 4.49 3.40    
301 Minnwest Bank Metro Eagan MN 243,860 11.41 9.07 8.05 11.43 12.70 104.69 4.39 3.40    
302 Bank of Bozeman Bozeman MT 68,247 12.30 8.69 8.72 11.15 12.41 116.16 3.40 3.41    
303 Frontenac Bank Earth City MO 344,831 10.77 9.00 7.03 9.46 10.74 94.50 5.37 3.44    
304 First State Bank and Trust Tonganoxie KS 237,208 11.25 9.22 7.88 10.55 13.61 101.97 4.84 3.45    
305 The Wilton Bank Wilton CT 76,602 21.73 13.51 13.55 19.35 20.63 137.57 3.45 3.46    
306 The Equitable Bank, S.S.B. Wauwatosa WI 421,588 9.44 6.65 7.02 9.80 11.06 119.05 3.13 3.47    
307 First Financial Bank Bessemer AL 205,875 8.97 7.32 6.83 10.62 11.88 102.53 3.97 3.47    
308 Lakeview Bank Lakeville MN 52,683 11.04 10.66 7.81 10.04 11.81 85.61 6.65 3.50    
309 The Bank of Perry Perry GA 115,162 7.69 6.52 6.37 8.79 10.05 92.63 3.61 3.51    
310 First Federal Savings Bank of Elizabethtown Elizabethtown KY 1,223,161 6.59 6.26 5.95 8.68 9.94 87.09 3.81 3.52    
311 Farmers Bank Ault CO 240,855 14.59 9.87 10.00 11.47 12.58 122.87 3.53 3.52    
312 New Millennium Bank New Brunswick NJ 215,643 8.14 5.78 5.48 8.86 10.15 92.52 3.84 3.54    
313 Highlands Union Bank Abingdon VA 634,815 6.16 6.09 5.14 7.89 9.16 80.52 4.53 3.55    
314 Four Oaks Bank & Trust Company Four Oaks NC 914,039 8.04 5.84 5.68 8.70 9.98 97.01 3.71 3.55    
315 Community Bank of Central Wisconsin Colby WI 98,947 9.09 5.72 4.99 7.17 8.46 98.94 4.28 3.58    
316 American Bank of the North Nashwauk MN 646,019 9.71 7.65 7.34 9.75 11.01 102.81 3.94 3.59    
317 Bank of the Carolinas Mocksville NC 505,174 5.73 5.96 4.97 6.68 7.94 74.57 4.60 3.61    
318 Valley Bank of Nevada North Las Vegas NV 81,904 13.45 8.75 8.29 11.25 12.53 114.88 3.83 3.62    
319 Provident Community Bank, National Association Rock Hill SC 384,706 6.85 6.61 6.38 11.46 12.72 88.94 3.86 3.62    
320 Rocky Mountain Bank & Trust Florence Florence CO 117,994 7.11 1.86 6.60 6.21 7.35 229.91 -1.31 3.66    
321 Cornerstone Bank Overland Park KS 182,695 14.79 8.02 7.70 10.20 11.50 121.40 3.93 3.66    
322 Community Bank and Trust - Alabama Union Springs AL 84,602 10.45 8.90 8.53 14.86 15.74 109.00 4.12 3.67    
323 Champion Bank Parker CO 67,150 19.52 9.89 9.53 13.09 14.39 139.01 3.93 3.68    
324 Georgia Commerce Bank Atlanta GA 612,868 11.48 8.71 9.11 11.13 12.36 116.37 3.59 3.69    
325 Emigrant Savings Bank - Long Island Westbury NY 545,936 11.24 7.29 7.53 20.37 21.62 143.42 3.48 3.69    
326 Centrue Bank Streator IL 1,005,831 7.76 6.62 5.85 8.25 9.53 86.85 4.48 3.71    
327 Bank of Hampton Roads Norfolk VA 2,162,346 10.49 7.08 6.06 8.74 10.04 97.67 4.71 3.74    
328 Farmers State Bank Lumpkin GA 47,004 7.03 6.63 6.63 10.33 11.56 90.72 3.73 3.75    
329 The Citizens Exchange Bank Pearson GA 27,586 12.64 10.55 9.80 20.79 22.05 110.88 4.32 3.75    
330 Freedom Bank Columbia Falls MT 46,405 13.67 8.11 7.78 10.15 11.42 125.71 3.92 3.75    
331 SouthPoint Bank Birmingham AL 227,023 6.79 6.57 6.03 8.09 9.35 83.23 4.22 3.75    
332 Community Bank-Wheaton/Glen Ellyn Glen Ellyn IL 326,650 6.17 6.21 4.97 6.60 7.84 74.56 5.05 3.76    
333 Business Bank Burlington WA 86,504 11.01 6.43 6.63 8.40 9.69 110.73 3.69 3.79    
334 Armed Forces Bank, National Association Fort Leavenworth KS 2,006,593 28.62 15.56 15.44 28.42 29.79 136.73 4.30 3.79    
335 The Piedmont Bank Norcross GA 347,973 11.80 12.41 10.30 11.98 12.56 91.46 6.27 3.81    
336 Banco Popular de Puerto Rico Hato Rey PR 28,712,000 10.86 9.42 7.85 11.88 14.16 96.56 5.58 3.82    
337 Treasure State Bank Missoula MT 76,468 11.39 7.34 7.39 9.57 10.84 113.54 3.81 3.83    
338 Citizens State Bank - Midwest Cavalier ND 138,741 9.14 8.41 6.72 9.71 10.99 84.04 5.61 3.84    
339 Pinnacle Bank Rogers AR 91,888 16.95 11.56 10.90 14.26 18.34 119.34 4.46 3.85    
340 Monarch Community Bank Coldwater MI 223,455 6.55 5.59 5.17 8.35 9.63 82.90 4.24 3.88    
341 New Peoples Bank, Inc. Honaker VA 809,929 7.10 6.98 5.94 9.03 10.31 77.77 4.96 3.89    
342 United Midwest Savings Bank De Graff OH 211,419 11.93 8.10 8.10 11.10 12.35 124.44 3.89 3.89    
343 Park State Bank Duluth MN 30,398 3.89 5.29 5.06 8.13 9.38 60.99 4.09 3.90    
344 Oxford Bank & Trust Oak Brook IL 489,449 13.19 9.15 8.58 11.69 12.96 118.20 4.33 3.91    
345 Premier Bank Rochester Rochester MN 148,852 10.28 7.99 7.79 10.64 11.91 102.16 4.07 3.94    
346 American National Bank of Minnesota Baxter MN 279,525 14.97 11.04 10.77 13.59 14.84 120.28 4.19 3.96    
347 INSOUTH Bank Brownsville TN 302,903 8.91 7.03 6.36 10.63 11.91 95.06 4.50 3.97    
348 The First State Bank Ryan OK 38,890 7.38 4.16 3.73 6.41 7.73 83.72 4.44 3.99    
349 Community First Bank & Trust Columbia TN 638,654 9.29 6.62 6.41 9.11 10.39 97.20 4.21 3.99    
350 HomeStreet Bank Seattle WA 2,297,919 6.94 5.91 5.64 8.51 9.79 84.42 4.34 4.02    
351 Rabun County Bank Clayton GA 247,574 9.91 8.66 7.50 12.16 13.43 95.69 5.13 4.02    
352 American Bank of St. Paul Saint Paul MN 429,845 8.04 5.83 5.42 8.12 9.42 84.63 4.40 4.03    
353 Prairie Community Bank Marengo IL 127,659 14.65 10.07 8.86 11.71 13.01 104.92 5.29 4.03    
354 Plaza Bank, Norridge, Illinois Norridge IL 382,303 11.48 7.88 6.58 10.02 11.33 100.61 5.49 4.07    
355 ISB Community Bank Ixonia WI 348,135 8.37 6.88 6.70 8.79 10.06 90.61 4.27 4.11    
356 American Founders Bank, Inc. Lexington KY 398,299 4.91 4.96 5.76 7.56 8.81 81.44 3.30 4.11    
357 Bank of Coral Gables Coral Gables FL 121,506 8.75 6.36 5.49 10.16 11.44 97.00 4.85 4.13    
358 Regal Bank & Trust Owings Mills MD 182,031 6.94 7.12 6.73 10.85 12.11 82.07 4.50 4.13    
359 Monroe Bank & Trust Monroe MI 1,245,061 6.36 5.98 5.91 8.93 10.20 82.17 4.20 4.13    
360 FSGBANK, National Association Chattanooga TN 1,121,882 6.86 6.86 6.42 10.64 11.91 80.38 4.66 4.19    
361 Peoples Bank of East Tennessee Madisonville TN 229,291 10.26 8.02 8.06 12.01 13.26 109.56 4.27 4.23    
362 PATRIOTS BANK Liberty MO 85,627 12.72 11.02 9.23 12.66 13.81 106.46 5.58 4.25    
363 Atlantic Coast Bank Jacksonville FL 795,385 5.89 6.30 6.22 9.82 11.08 78.08 4.34 4.26    
364 South County Bank, National Association Rancho Santa Mar CA 154,290 6.68 6.45 5.98 10.88 12.17 74.40 4.70 4.27    
365 Heritage Community Bank Greeneville TN 114,857 8.74 8.14 7.66 11.33 12.59 92.62 4.62 4.29    
366 Brighton Bank Brighton TN 69,782 7.68 6.72 6.38 8.61 9.88 86.68 4.62 4.29    
367 The Palm Bank Tampa FL 134,167 7.01 8.04 6.89 10.71 11.98 71.15 5.50 4.30    
368 Cherokee Bank, National Association Canton GA 176,419 7.92 7.16 7.04 10.08 11.28 89.30 4.44 4.30    
369 Capitol National Bank Lansing MI 153,630 10.25 6.94 6.77 8.48 9.76 104.31 4.45 4.34    
370 SouthFirst Bank Sylacauga AL 129,689 4.21 5.79 5.74 8.26 9.51 62.43 4.38 4.34    
371 People's Bank and Trust Company of Pickett County Byrdstown TN 133,676 10.17 8.10 7.89 10.97 12.24 96.60 4.54 4.35    
372 Heritage First Bank Gulf Shores AL 54,607 7.15 6.21 5.99 9.83 11.11 85.84 4.60 4.35    
373 The Coastal Bank Savannah GA 437,073 10.14 11.40 8.82 11.53 12.78 80.07 7.22 4.35    
374 Seaway Bank and Trust Company Chicago IL 625,563 8.62 8.38 8.08 19.09 20.36 91.50 4.65 4.36    
375 Allegiance Community Bank South Orange NJ 130,564 3.24 5.84 5.47 9.79 11.05 49.36 4.74 4.37    
376 Cornerstone Bank Moorestown NJ 390,403 4.39 6.59 6.65 8.77 10.80 59.92 4.38 4.39    
377 Alliance Bank & Trust Company Gastonia NC 215,800 9.87 8.89 8.13 11.11 12.37 94.07 5.19 4.39    
378 Brickyard Bank Lincolnwood IL 139,292 14.72 9.29 8.89 12.97 14.24 129.20 4.65 4.40    
379 Magyar Bank New Brunswick NJ 524,022 8.54 8.38 8.07 12.11 13.21 93.78 4.74 4.40    
380 Lone Star Bank Houston TX 127,959 10.53 9.05 8.93 12.99 14.25 104.08 4.48 4.41    
381 Eastside  Commercial  Bank, National Association Bellevue WA 48,923 12.73 8.67 8.29 12.35 13.64 108.07 4.65 4.42    
382 CenterBank of Jacksonville, National Association Jacksonville FL 132,984 7.35 5.63 4.78 6.57 7.86 78.86 5.22 4.43    
383 Texas Savings Bank Snyder TX 120,667 8.84 6.14 5.92 9.36 10.66 89.20 4.60 4.43    
384 The Bank of Versailles Versailles MO 275,795 14.28 7.68 7.31 11.82 13.15 115.87 4.73 4.44    
385 Home Federal Bank of Hollywood Hallandale Beach FL 81,178 17.57 10.82 10.82 16.14 17.42 131.85 4.45 4.45    
386 Sherburne State Bank Becker MN 74,087 8.58 9.41 8.97 12.32 12.77 88.16 4.95 4.46    
387 Oconee State Bank Watkinsville GA 259,713 9.44 9.32 7.92 12.65 13.92 83.80 5.88 4.47    
388 RiverWood  Bank Baxter MN 162,989 9.15 10.88 8.59 11.00 12.26 74.92 6.98 4.48    
389 Peoples State Bank of Commerce Nolensville TN 241,901 8.55 9.18 6.22 8.58 9.89 63.99 7.58 4.52    
390 First Utah Bank Salt Lake City UT 260,837 9.00 7.06 6.91 10.44 11.73 91.72 4.66 4.53    
391 The Ohio State Bank Marion OH 129,403 6.36 8.46 6.62 9.81 11.07 65.91 6.50 4.53    
392 The Trust Bank Lenox GA 28,290 9.71 9.34 8.87 13.11 14.36 93.46 5.07 4.55    
393 Bank 1st Albuquerque NM 69,534 5.35 5.37 5.40 8.90 10.17 72.69 4.54 4.57    
394 Highland Community Bank Chicago IL 99,034 7.95 5.93 5.65 9.11 10.42 82.65 4.84 4.59    
395 Macon Bank, Inc. Franklin NC 910,141 7.80 6.87 6.61 9.45 10.72 85.59 4.90 4.63    
396 1st Bank Oklahoma Claremore OK 191,470 6.09 9.82 7.89 13.52 13.59 61.73 6.54 4.63    
397 Cornerstone National Bank Easley SC 166,315 12.54 10.40 10.03 13.47 14.73 107.28 5.01 4.66    
398 Pacific West Bank West Linn OR 60,918 4.98 5.26 5.24 7.97 9.25 68.44 4.69 4.66    
399 Southern Commerce Bank, National Association Tampa FL 113,461 27.57 14.39 14.07 24.97 26.38 127.90 4.85 4.66    
400 Southern Bank Sardis GA 88,612 10.67 8.89 8.83 12.26 13.52 103.30 4.70 4.66    
401 The Peoples Bank Eatonton GA 139,877 9.39 8.57 8.30 13.55 14.81 96.22 4.94 4.69    
402 Premier Service Bank Riverside CA 145,084 8.81 7.94 7.86 9.88 11.15 87.26 4.77 4.69    
403 Community Bank of Broward Dania Beach FL 476,357 9.50 8.52 8.38 9.85 13.07 94.04 4.81 4.70    
404 Freedom Bank of America Saint Petersburg FL 82,279 5.89 6.47 6.20 7.03 8.29 71.98 4.92 4.70    
405 Valley National Bank Espanola NM 302,554 11.76 9.40 8.44 16.28 17.58 98.48 5.60 4.70    
406 Parkway Bank and Trust Company Harwood Heights IL 2,314,723 10.70 9.69 9.18 11.35 12.87 95.11 5.22 4.71    
407 Landmark Community Bank, National Association Isanti MN 99,681 7.74 7.39 7.08 10.18 11.44 88.08 4.98 4.72    
408 Cornerstone Community Bank Chattanooga TN 425,054 6.30 7.20 6.65 9.86 11.12 71.51 5.32 4.75    
409 The Carver State Bank Savannah GA 40,854 6.86 7.21 7.19 10.38 11.43 86.43 4.78 4.76    
410 Legacy Bank Altoona IA 82,254 8.39 8.86 8.40 12.52 13.78 82.45 5.11 4.79    
411 The Foster Bank Chicago IL 494,952 12.29 9.36 8.87 10.84 12.12 103.11 5.14 4.80    
412 First Bank and Trust New Orleans LA 814,648 5.87 6.67 6.47 10.32 11.58 71.90 4.98 4.80    
413 Bank of Virginia Midlothian VA 175,404 10.51 7.65 7.17 10.83 12.16 89.63 5.24 4.81    
414 Pineland State Bank Metter GA 58,929 10.14 9.65 9.55 14.65 15.91 93.64 4.93 4.82    
415 The First Bank of Baldwin Baldwin WI 173,679 8.28 9.02 6.91 8.84 10.13 66.63 7.00 4.82    
416 Citizens Union Bank of Shelbyville Shelbyville KY 601,973 8.57 8.86 8.12 10.28 11.54 82.15 5.66 4.85    
417 EvaBank Eva AL 369,307 6.36 6.71 6.10 7.25 8.52 73.71 5.46 4.85    
418 Johnson Bank Racine WI 4,142,397 5.71 5.74 5.10 7.33 9.47 64.39 5.50 4.86    
419 Heritage Bank & Trust Columbia TN 126,396 12.16 7.47 6.94 9.01 10.31 103.34 5.33 4.86    
420 Coast National Bank San Luis Obispo CA 135,677 6.30 6.10 6.06 9.65 10.95 70.43 4.91 4.87    
421 INLAND BANK & TRUST Oak Brook IL 1,325,207 11.17 11.85 9.54 12.34 13.61 81.74 7.72 4.87    
422 Northpointe Bank Grand Rapids MI 293,219 4.71 4.61 5.10 7.32 8.60 68.65 4.42 4.88    
423 Community Bank of the South Smyrna GA 366,255 7.71 6.59 6.57 8.48 9.76 82.78 4.96 4.89    
424 Pilot Bank Tampa FL 216,103 8.63 9.05 7.89 9.81 11.07 78.92 6.12 4.89    
425 Citizens First State Bank of Walnut Walnut IL 58,135 5.56 7.66 6.37 11.88 13.17 59.21 6.16 4.89    
426 Thayer County Bank Hebron NE 60,422 7.08 8.89 8.00 12.01 12.91 74.64 5.82 4.90    
427 Maple Bank Champlin MN 75,632 8.07 8.50 8.55 13.86 15.12 82.17 5.27 4.90    
428 Citizens Bank and Trust Frostproof FL 460,371 5.94 7.53 6.57 9.91 11.17 65.16 5.89 4.91    
429 Florida Bank Tampa FL 744,119 7.25 6.40 5.97 9.04 10.33 77.14 5.31 4.91    
430 SunSouth Bank Dothan AL 201,963 11.18 9.67 9.16 11.94 13.20 95.44 5.47 4.92    
431 FirsTier Bank Kimball NE 242,644 12.67 9.36 9.20 11.70 13.00 102.21 5.03 4.92    
432 Meramec Valley Bank Valley Park MO 100,880 11.21 8.55 8.25 12.35 13.61 112.04 5.13 4.93    
433 Security Bank of Kansas City Kansas City KS 838,402 11.07 13.79 9.63 13.10 14.36 71.68 9.46 4.94    
434 Independence National Bank Greenville SC 113,099 9.13 8.08 7.89 9.70 10.97 89.87 5.12 4.94    
435 Tennessee State Bank Pigeon Forge TN 740,169 9.19 7.91 7.82 10.28 11.56 91.96 5.07 4.96    
436 Commercial Bank Harrogate TN 840,693 7.57 10.54 8.29 12.34 13.60 65.73 7.36 4.96    
437 OMNIBANK, National Association Houston TX 349,926 10.33 9.79 9.50 13.18 14.44 91.16 5.61 4.97    
438 Pinnacle Bank Orange City FL 212,638 6.00 6.81 6.05 8.53 9.81 64.53 5.81 4.97    
439 Southport Bank Kenosha WI 291,821 11.18 5.88 5.76 7.04 8.35 99.60 5.08 4.97    
440 United Bank of Philadelphia Philadelphia PA 78,014 4.63 7.03 6.48 11.54 12.80 57.55 5.53 4.98    
441 First State Bank of Kiester Kiester MN 17,834 3.08 6.22 6.22 10.46 11.35 45.80 5.05 5.00    
442 The Woodbury Banking Company Woodbury GA 27,932 4.58 6.83 6.54 10.82 12.07 58.66 5.26 5.00    
443 Gateway Bank, F.S.B. San Francisco CA 266,546 4.49 4.18 5.11 8.62 9.89 74.98 4.07 5.01    
444 First American Bank Fort Dodge IA 1,425,818 4.44 6.22 5.52 9.77 11.06 51.63 5.72 5.02    
445 First American Bank and Trust Company Athens GA 559,691 7.94 9.27 8.45 14.66 15.88 79.53 5.85 5.03    
446 Bank of Westminster Westminster SC 28,179 6.99 6.64 6.00 10.71 12.01 72.39 5.64 5.04    
447 California Business Bank Los Angeles CA 97,406 7.91 6.55 6.75 9.80 11.10 78.32 4.90 5.05    
448 Millennium Bank Edwards CO 255,900 6.42 7.54 6.82 9.40 10.67 66.62 5.77 5.06    
449 The University National Bank of Lawrence Lawrence KS 74,282 8.25 7.17 6.21 11.14 12.44 82.53 5.97 5.06    
450 Peoples Bank & Trust Co. Troy MO 397,495 8.96 8.16 7.70 10.28 11.56 82.16 5.54 5.07    
451 Home Bank of Arkansas Portland AR 72,762 10.98 9.76 9.35 12.57 13.83 98.14 5.46 5.08    
452 Foundations Bank Pewaukee WI 171,602 5.91 7.89 6.20 8.83 10.11 57.02 6.79 5.09    
453 Peoples Bank Lawrence KS 450,738 6.61 6.70 7.82 10.34 11.60 82.41 4.30 5.11    
454 Lake Country Community Bank Morristown MN 30,989 4.97 6.56 4.14 6.72 8.02 49.52 7.46 5.11    
455 Suburban Bank & Trust Company Elmhurst IL 585,509 9.69 7.83 7.77 10.97 12.26 90.39 5.17 5.12    
456 Blaine State Bank Blaine MN 39,960 7.33 15.05 6.95 10.17 11.44 44.00 13.51 5.14    
457 BANKWEST Rockford MN 105,771 8.55 7.79 7.56 10.07 11.35 83.18 5.37 5.16    
458 Allied First Bank,sb Oswego IL 140,959 3.10 5.42 5.44 7.98 9.24 43.14 5.13 5.16    
459 Liberty Bell Bank Marlton NJ 169,184 7.09 8.61 8.42 10.23 11.38 74.33 5.42 5.19    
460 The Jacksonville Bank Jacksonville FL 601,757 9.30 11.35 8.16 9.81 11.08 68.64 8.61 5.24    
461 Peoples Bank Lyons GA 53,244 10.58 10.16 9.79 15.26 16.52 92.77 5.65 5.25    
462 The National Bank of Cambridge Cambridge MD 211,175 10.40 11.32 9.19 14.07 15.35 77.48 7.60 5.25    
463 Regent Bank Davie FL 443,115 7.27 8.05 7.16 9.00 10.26 75.16 6.17 5.26    
464 Prosperity Bank Saint Augustine FL 800,960 4.41 7.64 6.15 9.31 11.34 47.96 6.80 5.28    
465 BankAtlantic Fort Lauderdale FL 3,707,309 9.15 8.25 8.29 12.77 14.96 89.95 5.25 5.28    
466 Bank of the Prairie Olathe KS 87,659 8.34 9.15 7.44 9.91 11.17 78.36 7.05 5.30    
467 Indiana Community Bank Goshen IN 124,087 6.89 6.77 6.79 9.32 10.60 72.59 5.30 5.32    
468 Emigrant Savings Bank - Brooklyn/Queens Brooklyn NY 798,856 7.74 7.61 7.90 25.39 26.64 96.25 5.08 5.35    
469 Bank of Idaho Idaho Falls ID 223,198 5.48 6.94 6.66 9.37 10.64 60.98 5.62 5.35    
470 Norstates Bank Waukegan IL 503,084 12.05 8.51 8.20 11.71 13.01 99.15 5.66 5.35    
471 Bank of North Carolina Thomasville NC 2,196,410 6.24 8.71 7.57 10.80 12.37 63.63 6.57 5.36    
472 First Federal Savings and Loan Association of Hammond Hammond IN 50,652 6.18 6.70 6.23 11.96 13.24 71.19 5.85 5.37    
473 Highland Bank Saint Michael MN 461,524 6.19 7.98 7.17 11.21 12.48 63.69 6.19 5.37    
474 Mercantile Bank Quincy IL 648,548 4.73 6.69 6.44 9.14 10.42 56.53 5.64 5.38    
475 Bank of The Rockies, National Association White Sulphur Sp MT 124,784 11.40 10.63 9.55 13.02 14.28 92.79 6.58 5.38    
476 Home Savings Bank Jefferson City MO 30,533 8.59 8.79 8.79 15.09 16.34 89.92 5.38 5.38    
477 South Georgia Bank Glennville GA 130,345 7.24 8.52 8.41 11.61 12.87 73.55 5.49 5.38    
478 Farmers & Merchants Bank Eatonton GA 211,487 13.06 11.32 11.06 17.17 18.44 102.12 5.66 5.41    
479 The Peoples Bank Ewing VA 91,324 8.12 8.55 8.22 11.99 13.24 82.37 5.79 5.42    
480 Commerce Bank of Arizona Tucson AZ 274,281 7.73 8.89 8.99 15.06 16.30 77.95 5.37 5.42    
481 Bay Bank Green Bay WI 113,919 9.01 9.42 8.32 11.68 12.97 75.08 6.65 5.43    
482 Connecticut Community Bank, National Association Westport CT 400,986 8.60 9.91 9.09 12.63 13.89 74.82 6.25 5.43    
483 Citizens Bank of West Virginia, Inc. Elkins WV 231,933 7.99 8.49 8.54 13.58 14.84 79.21 5.33 5.43    
484 Broadway Federal Bank, f.s.b. Los Angeles CA 422,427 11.36 8.23 8.16 10.91 12.20 98.44 5.52 5.44    
485 North Milwaukee State Bank Milwaukee WI 91,142 9.00 9.21 8.89 12.10 13.36 84.28 5.80 5.45    
486 Merchants Bank of Alabama Cullman AL 255,662 6.17 7.82 7.64 11.52 12.77 68.59 5.64 5.45    
487 First Bank Clewiston FL 239,963 6.23 8.29 7.38 9.47 10.73 62.95 6.40 5.46    
488 First Home Bank Seminole FL 75,407 7.81 7.67 7.64 10.46 11.72 84.17 5.47 5.46    
489 Columbia Community Bank Hillsboro OR 363,911 6.72 8.41 7.38 9.66 10.92 64.22 6.59 5.50    
490 Marine Bank & Trust Company Vero Beach FL 140,324 6.12 8.17 6.35 7.96 9.22 57.39 7.35 5.51    
491 Northeast Georgia Bank Lavonia GA 427,125 7.84 8.78 8.82 13.29 14.55 79.54 5.45 5.51    
492 Ameris Bank Moultrie GA 3,021,523 11.20 10.89 10.46 18.99 20.25 92.85 5.94 5.52    
493 Pine River Valley Bank Bayfield CO 150,279 9.35 9.41 8.44 12.47 13.74 81.90 6.43 5.52    
494 Pacific Rim Bank Honolulu HI 129,470 3.38 6.35 6.14 10.77 12.04 42.49 5.72 5.53    
495 Heartland Bank Saint Louis MO 893,529 4.72 7.01 6.47 9.60 10.86 54.63 6.10 5.55    
496 Glasgow Savings Bank Glasgow MO 25,561 6.46 5.62 5.19 7.21 8.39 70.23 6.03 5.57    
497 Bank of Palatine Palatine IL 58,003 4.82 7.14 7.10 21.54 22.80 60.66 5.64 5.59    
498 Bank of Franklin County Washington MO 226,892 6.86 8.72 8.05 10.53 11.78 67.42 6.27 5.60    
499 First Reliance Bank Florence SC 511,549 8.40 9.45 8.92 12.05 13.31 78.47 6.12 5.61    
500 The Citizens Bank of Logan, Ohio Logan OH 252,574 6.38 8.49 8.21 10.45 11.71 65.77 5.89 5.63    
501 The Brand Banking Company Lawrenceville GA 1,224,345 14.15 11.50 10.01 14.36 15.66 91.89 7.20 5.63    
502 Community Resource Bank Northfield MN 240,623 6.70 9.57 7.32 10.28 11.55 56.72 7.96 5.63    
503 BANK 360 Beresford SD 40,940 4.78 7.57 7.06 10.84 12.11 51.18 6.16 5.64    
504 Sanibel Captiva Community Bank Sanibel FL 228,047 8.67 8.70 8.58 11.72 12.98 84.03 5.75 5.64    
505 Lake Area Bank Lindstrom MN 278,264 7.74 9.38 8.16 11.33 12.58 69.23 6.96 5.66    
506 Artisans' Bank Wilmington DE 553,391 4.95 7.50 6.44 8.34 9.61 51.75 6.71 5.66    
507 Heritage Bank Topeka KS 52,742 3.93 5.74 5.06 6.84 8.13 45.49 6.34 5.67    
508 Park Federal Savings Bank Chicago IL 202,762 6.32 7.10 6.99 12.33 13.58 74.39 5.80 5.68    
509 Peoples Community National Bank Bremen GA 53,282 10.64 9.86 8.56 12.91 14.16 84.74 6.85 5.69    
510 First Place Bank Warren OH 2,871,482 5.77 6.40 6.03 8.46 9.74 63.07 6.07 5.70    
511 Grand  Bank of Texas Grand Prairie TX 121,932 4.37 7.20 7.28 8.99 10.13 54.09 5.63 5.70    
512 Bank of the Lakes, National Association Owasso OK 192,379 8.43 10.35 10.01 12.11 13.16 72.90 6.01 5.71    
513 First National Bank Midwest Oskaloosa IA 99,140 9.81 11.18 9.45 12.45 13.71 76.21 7.56 5.71    
514 Border State Bank Greenbush MN 336,609 6.56 8.83 8.26 9.79 11.04 64.27 6.33 5.72    
515 The Exchange Bank Skiatook OK 91,110 5.91 8.89 7.87 13.23 14.50 58.48 6.77 5.72    
516 Highlands Independent Bank Sebring FL 264,234 7.80 7.57 6.88 10.57 11.86 72.73 6.39 5.72    
517 Great Northern Bank Saint Michael MN 68,359 4.75 5.69 5.65 8.11 9.39 58.71 5.76 5.72    
518 First National Bank Goodland KS 238,707 4.04 7.25 6.08 9.98 11.26 43.36 6.92 5.75    
519 First State Bank Lonoke AR 256,199 8.56 9.04 8.68 11.80 13.06 83.89 6.10 5.75    
520 NEW FRONTIER BANK Saint Charles MO 133,817 12.79 10.56 9.48 11.66 12.95 91.20 6.92 5.76    
521 Foundation Bank Bellevue WA 348,574 11.11 8.58 8.33 9.97 11.26 89.12 6.01 5.77    
522 First Federal Bank Lexington KY 133,173 11.66 10.79 9.01 12.18 13.46 86.13 7.67 5.77    
523 Union State Bank Pell City AL 276,884 6.75 8.04 7.52 12.91 14.19 66.78 6.30 5.78    
524 State Bank of Illinois West Chicago IL 201,461 8.16 9.77 8.95 13.76 15.02 75.58 6.70 5.80    
525 ProGrowth Bank Nicollet MN 131,702 6.03 7.49 7.63 11.33 12.59 67.93 5.57 5.82    
526 Home Federal Savings Bank Rochester MN 818,336 6.46 7.95 7.79 10.37 11.62 65.21 5.99 5.82    
527 Advance Bank Baltimore MD 70,291 5.72 10.01 7.31 11.81 13.07 51.16 8.61 5.82    
528 Advantage National Bank Elk Grove Villag IL 614,647 6.95 11.06 9.11 12.23 14.23 58.97 8.00 5.82    
529 United Trust Bank Palos Heights IL 42,489 11.25 10.96 10.89 16.24 17.25 96.66 5.89 5.83    
530 First Federal of South Carolina, FSB Walterboro SC 109,238 5.51 7.42 8.07 14.27 15.44 68.27 5.19 5.84    
531 Alarion Bank Ocala FL 300,371 4.94 8.05 6.83 9.50 10.77 50.16 7.07 5.84    
532 The Home Savings and Loan Company Youngstown OH 2,074,393 8.28 8.71 8.13 11.98 13.25 76.41 6.40 5.84    
533 The Union Bank Marksville LA 226,427 5.36 8.01 7.92 11.92 13.17 59.78 5.93 5.84    
534 State Bank of Herscher Herscher IL 198,874 12.39 9.29 9.15 13.42 14.71 98.24 6.03 5.84    
535 Securant Bank & Trust Menomonee Falls WI 238,553 8.65 8.37 8.08 10.90 12.18 80.47 6.08 5.85    
536 Bank of Botetourt Buchanan VA 316,028 6.48 7.48 7.66 9.85 11.21 69.11 5.68 5.85    
537 NBRS Financial Rising Sun MD 250,074 5.58 6.81 6.70 9.27 10.46 62.30 5.95 5.85    
538 American Bank Bozeman MT 337,446 10.74 9.30 9.27 10.98 17.50 89.60 5.87 5.85    
539 Horizon Community Bank Lake Havasu City AZ 155,134 6.28 8.41 8.23 11.62 12.87 65.96 6.02 5.85    
540 Bank of George Las Vegas NV 116,113 11.18 7.58 7.45 11.13 12.44 93.01 5.96 5.85    
541 RiverBank Spokane WA 151,162 4.56 6.85 6.74 9.13 10.38 53.61 5.96 5.86    
542 Benchmark Bank Gahanna OH 117,368 13.30 9.05 8.94 13.81 15.10 110.21 5.99 5.89    
543 Greer State Bank Greer SC 385,836 4.72 7.35 6.76 10.20 11.46 52.49 6.44 5.89    
544 Farmers State Bank of Dent Dent MN 31,252 4.67 7.59 7.12 11.26 12.25 52.64 6.36 5.89    
545 Citizens Bank of Chatsworth Chatsworth IL 45,911 6.08 8.27 7.98 10.89 12.07 62.66 6.16 5.89    
546 Maryland Financial Bank Towson MD 83,013 6.05 8.11 8.18 12.88 14.14 63.49 5.87 5.91    
547 SouthBank, a Federal Savings Bank Palm Beach Garde FL 23,786 5.65 8.18 8.27 21.05 22.31 62.44 5.81 5.91    
548 Customers Bank Phoenixville PA 1,862,889 4.82 7.34 8.13 12.21 13.57 59.52 5.39 5.92    
549 CBC NATIONAL BANK Fernandina Beach FL 441,162 8.19 8.85 9.21 14.59 15.86 80.61 5.83 5.93    
550 Grayson National Bank Independence VA 355,430 7.27 8.20 8.37 12.57 13.84 75.44 5.79 5.93    
551 PNA Bank Chicago IL 153,900 9.72 8.29 8.02 10.42 11.68 95.31 6.21 5.93    
552 Pikes Peak National Bank Colorado Springs CO 78,058 11.27 10.03 10.16 18.97 20.28 92.67 5.85 5.93    
553 National Bank of Tennessee Newport TN 174,885 8.56 9.65 9.24 14.55 15.81 77.31 6.41 5.94    
554 Advantage Bank Cambridge OH 792,665 4.86 6.15 6.34 7.79 9.06 59.54 5.77 5.94    
555 Georgia Primary Bank Atlanta GA 294,145 9.87 9.83 9.74 11.38 12.65 84.03 6.01 5.95    
556 Firstbank of Puerto Rico Santurce PR 13,461,555 10.44 8.82 8.24 10.84 12.15 83.54 6.52 5.97    
557 Community Bank of Bergen County, N. J. Maywood NJ 314,449 6.57 8.35 8.16 11.76 13.01 70.91 6.16 5.97    
558 OmniBank Mantee MS 78,040 7.12 7.63 7.55 10.78 12.05 72.90 6.07 5.98    
559 TruPoint Bank Grundy VA 440,561 6.50 9.49 8.05 13.92 15.19 58.59 7.46 5.99    
Last updated by Obseedian on 11/27/2011
Changes:
7/27/2008
  - Revised NPA and Texas Ratio to exclude US government guaranteed non-performing assets
  - Excluded banks with Texas Ratio < 40.
8/1/2008
  - Changed calculation of Effective Tier 1 Leverage Ratio and Effective Equity/Assets to use different loss estimate depending on loan type