texas ratio report · bank of pine hill pine hill 5.9 12.87 0 13.08 24,488 -1.8% 21,279 0.0% -0.26...
TRANSCRIPT
Texas Ratio Report
First Quarter 2016
Table of ContentsAlabama Banks and ThriftsTexas Ratio > 75% Texas Ratio < 75 %
Arkansas Banks and ThriftsTexas Ratio > 75% Texas Ratio < 75 %
Florida Banks and Thrifts Texas Ratio > 75% -Texas Ratio < 75 %
Georgia Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
Kentucky Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
Louisiana Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
Maryland Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
Mississippi Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
North Carolina Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
South Carolina Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
Tennessee Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
Texas Banks and ThriftsTexas Ratio > 75% Texas Ratio < 75 %
Virginia Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
West Virginia Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %
Excluded Banks
3-67
8-1011
12-1516
17-2122
23-27 28
29-32 33
34-35 36
37-38 39
40-41 42
43-44 45
46-49 50
51-61 62
63-65 66
70
67-68 69
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
First Progressive Bank Brewton 3.6 25.94 0 25.78 31,471 -1.8% 23,334 0.0% 0.14 3.06 45
Citizens Bank of Winfield Winfield 3.1 21.62 0 23.21 214,739 2.9% 141,428 0.0% 1.69 4.58 3,556
Farmers & Merchants Bank Waterloo 1.0 21.44 0 22.16 78,319 3.1% 60,232 0.0% 1.31 3.65 1,005
BankSouth Dothan 1.0 20.43 0 20.33 171,836 -0.9% 136,565 0.0% 1.13 3.68 1,939
AloStar Bank of Commerce Birmingham 7.5 19.56 0 18.65 979,816 13.9% 739,241 0.0% 0.60 3.78 5,471
Citizens Bank of Fayette Fayette 17.1 18.56 0 19.47 193,513 -1.6% 153,182 0.0% 0.96 2.89 1,867
Bank of Brewton Brewton 18.4 17.17 0 17.36 55,659 5.5% 45,967 0.0% -0.10 4.50 -55
First Bank of Boaz Boaz 0.1 16.79 0 18.19 204,745 5.9% 145,278 0.0% 1.57 3.23 3,127
EvaBank Cullman 14.1 16.75 0 17.61 358,327 6.9% 269,877 11.5% 2.36 6.87 8,019
First State Bank of DeKalb County Fort Payne 8.5 16.25 0 16.56 93,940 2.6% 78,265 0.0% 0.52 4.15 487
Horizon Bank Fyffe 6.9 16.07 0 16.05 93,196 1.8% 75,347 0.0% 0.59 3.96 544
Town-Country National Bank Camden 4.3 15.99 0 16.18 102,700 2.2% 85,179 0.0% 1.87 4.97 1,891
Bank of Vernon Vernon 25.9 15.95 0 16.05 144,747 -0.4% 120,274 0.6% 0.81 4.32 1,173
Cullman Savings Bank (MHC) Cullman CULL 10.2 15.87 0 15.32 257,858 7.9% 166,251 4.7% 1.08 4.13 2,614
First State Bank of the South, Inc. Sulligent 6.3 15.76 0 16.52 97,164 0.7% 79,460 0.0% 0.83 3.95 810
First National Bank Hamilton 0.9 15.65 0 16.01 288,761 -0.1% 242,087 0.0% 1.43 4.18 4,022
Valley State Bank Russellville 5.0 15.48 0 15.85 124,198 0.1% 103,874 0.0% 0.70 2.84 862
Small Town Bank Wedowee 10.5 15.33 0 15.62 216,142 0.8% 172,353 0.0% 1.28 4.24 2,748
Traders & Farmers Bank Haleyville 9.1 15.01 0 15.01 371,479 2.1% 288,799 0.0% 0.86 3.98 3,152
Phenix-Girard Bank Phenix City 28.0 14.75 0 15.06 181,072 2.7% 136,194 4.1% 1.07 3.07 1,936
Peoples Exchange Bank of Monroe County Monroeville 4.8 14.43 0 14.38 63,112 0.8% 53,981 0.0% 0.28 4.38 175
Escambia County Bank Flomaton 10.3 14.36 0 14.88 79,281 -4.7% 67,394 0.0% 0.47 2.99 378
Farmers & Merchants Bank Piedmont 7.5 14.22 0 14.14 192,720 0.2% 161,533 0.4% 0.75 4.16 1,432
First Bank of Alabama Talladega 6.5 14.21 0 15.39 388,069 -3.6% 324,939 0.0% 1.44 3.83 5,827
Community Neighbor Bank Camden 8.8 14.16 0 14.06 107,917 -1.1% 92,506 0.0% 1.03 4.40 1,104
Farmers and Merchants Bank LaFayette 8.5 13.70 0 14.42 140,172 4.7% 113,590 0.0% 1.01 4.04 1,383
First National Bank of Brundidge Brundidge 8.4 13.62 0 14.01 93,824 -3.9% 76,385 0.0% 0.59 3.74 550
HomeTown Bank of Alabama Oneonta 10.8 13.49 0 12.91 338,035 6.7% 283,280 0.0% 1.72 4.77 5,562
First Cahawba Bank Selma 9.1 13.40 0 13.63 94,669 -1.1% 76,578 0.0% 0.84 4.19 805
Metro Bank Pell City 17.0 13.33 0 13.27 690,578 1.6% 596,486 0.0% 1.21 4.39 8,226
First National Bank of Hartford Hartford 9.5 13.30 0 13.76 120,280 -1.5% 96,664 0.0% 0.80 3.89 950
Peoples Southern Bank Clanton 1.1 13.29 0 13.51 171,788 2.5% 148,341 0.0% 1.04 3.04 1,730
Samson Banking Company, Inc. Samson 12.8 13.21 0 12.91 72,823 14.6% 63,334 0.0% 0.60 3.40 416
Brantley Bank and Trust Company Brantley 3.6 13.15 0 13.88 75,021 11.3% 64,174 0.0% 1.00 4.76 722
First National Bank of Dozier Dozier 0.0 13.13 0 14.20 37,192 -8.1% 28,180 0.0% 0.72 3.06 277
Oakworth Capital Bank Birmingham 0.0 13.12 0 13.68 395,280 19.9% 338,652 0.0% 1.02 3.59 3,743
First Bank of Linden Linden 0.0 13.05 0 14.13 79,176 0.2% 67,370 0.0% 1.03 4.68 814
Southern Bank Company Gadsden SRNN 11.2 12.92 0 13.78 100,133 2.7% 80,590 0.0% -0.17 3.26 -167
First National Bank and Trust Atmore 1.2 12.92 0 12.90 131,556 2.0% 113,376 0.0% 0.73 3.81 931
Alabama Banks, Texas Ratio <75%
Page 3
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Alabama Banks, Texas Ratio <75%
Bank of Pine Hill Pine Hill 5.9 12.87 0 13.08 24,488 -1.8% 21,279 0.0% -0.26 2.40 -64
FNB Bank Scottsboro 13.3 12.82 0 12.97 372,722 1.7% 323,699 0.0% 1.24 4.47 4,527
First US Bank Thomasville USBI 12.5 12.76 0 13.44 575,291 1.8% 485,623 2.0% 0.50 5.35 2,787
Liberty Bank Geraldine 12.6 12.69 0 12.32 125,039 12.6% 109,285 0.0% 0.77 5.41 873
Citizens State Bank Vernon 23.2 12.53 0 12.68 80,284 -4.3% 58,820 13.8% 0.48 2.27 391
Bank of Walker County Jasper 13.1 12.38 0 12.66 66,537 -5.3% 57,911 0.0% 0.42 4.01 291
Citizens Bank Greensboro 7.5 12.37 0 12.96 100,549 0.4% 82,690 0.0% 1.19 3.60 1,186
West Alabama Bank & Trust Reform 5.4 12.24 0 12.13 576,925 0.3% 468,143 0.2% 1.17 3.59 6,581
Cheaha Bank Oxford 2.0 12.22 0 12.41 196,927 3.5% 164,803 0.0% 1.76 5.07 3,406
State Bank & Trust Winfield 20.7 12.18 0 12.38 228,480 2.6% 198,997 0.0% 0.62 3.20 1,392
Pinnacle Bank Jasper PCLB 0.6 12.10 0 12.56 224,139 -3.4% 189,692 8.7% 1.05 3.77 2,396
Exchange Bank of Alabama Altoona 8.9 12.08 0 11.74 283,307 9.6% 246,202 0.0% 0.89 3.45 2,358
Marion Bank and Trust Company Marion 30.1 12.00 0 12.39 249,195 -1.2% 204,351 0.0% 1.30 3.95 3,222
Central State Bank Calera 2.0 11.97 0 11.87 230,807 12.5% 200,238 0.0% 1.28 4.47 2,765
Vantage Bank of Alabama Albertville 18.0 11.94 0 12.04 114,037 -3.6% 98,944 0.0% 1.07 4.08 1,209
HNB First Bank Headland 11.6 11.93 0 11.86 110,653 6.8% 95,590 0.0% 0.88 3.75 944
First Citizens Bank Luverne 3.9 11.89 0 12.12 233,606 2.3% 189,541 0.0% 1.31 4.07 2,996
First Federal Bank, A FSB Tuscaloosa 28.0 11.84 0 11.04 116,376 -4.7% 92,176 0.0% -0.56 2.75 -637
FirstState Bank Lineville 6.8 11.82 0 12.07 214,369 -1.0% 173,847 0.2% 1.33 4.48 2,825
Peoples Bank of Red Level Red Level 11.0 11.77 0 11.83 16,253 0.9% 14,306 0.0% 1.00 5.60 165
Reliance Bank Athens 7.7 11.70 0 11.76 173,093 7.8% 131,672 0.0% 0.82 3.37 1,337
First Partners Bank Birmingham 1.3 11.63 0 11.71 248,169 7.8% 197,935 12.5% 1.19 4.68 2,797
Citizens Bank of Valley Head Valley Head 30.8 11.58 0 11.52 26,317 -1.0% 23,249 0.0% 0.29 5.24 76
First Community Bank of Cullman Cullman SCBS 2.6 11.26 0 10.46 80,770 1.0% 68,535 0.0% 0.21 2.96 161
First Metro Bank Muscle Shoals 2.2 11.12 0 11.01 570,173 5.7% 504,606 0.0% 1.42 3.73 7,839
Security Federal Savings Bank Jasper 2.2 11.03 0 9.94 41,723 7.4% 30,419 0.0% 0.31 3.40 123
Citizens' Bank, Inc. Robertsdale 18.5 10.95 0 11.19 102,260 3.3% 90,261 0.0% 0.37 4.01 371
Merchants Bank Jackson 21.1 10.91 0 10.90 209,856 2.2% 186,502 0.0% 0.66 3.92 1,358
MidSouth Bank Dothan 9.9 10.85 0 10.71 399,532 4.9% 355,814 0.0% 0.58 3.04 2,255
Sweet Water State Bank Sweet Water 12.3 10.80 0 10.52 97,908 2.8% 84,913 0.0% 1.51 5.70 1,427
SouthFirst Bank Sylacauga SZBI 32.7 10.77 0 7.63 91,857 -1.1% 79,158 0.0% 0.38 3.40 344
Robertson Banking Company Demopolis 3.2 10.76 0 10.62 275,675 5.6% 236,622 3.9% 1.41 3.95 3,750
Southern Independent Bank Opp 13.1 10.70 0 10.78 210,184 2.1% 169,978 0.0% 0.75 3.20 1,611
Bank of Evergreen Evergreen 28.0 10.64 0 11.00 60,096 4.4% 53,252 5.6% 1.22 4.49 726
Capstone Bank Tuscaloosa 14.4 10.56 0 10.41 469,163 7.8% 405,182 12.3% 0.79 3.88 3,536
CCB Community Bank Andalusia 16.8 10.48 0 10.23 473,713 1.4% 378,654 9.3% 1.94 4.69 8,728
FNB of Central Alabama Tuscaloosa 11.5 10.45 0 10.50 258,168 9.2% 229,595 0.5% 0.38 3.40 909
Citizens Bank Enterprise 8.3 10.42 0 10.98 116,115 4.3% 103,132 0.0% 0.37 3.33 428
AmeriFirst Bank Union Springs 13.3 10.40 0 10.47 148,516 1.8% 128,351 0.0% 0.34 3.87 488
Page 4
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Alabama Banks, Texas Ratio <75%
Bank of Wedowee Wedowee 26.4 10.40 0 11.37 126,843 5.7% 107,784 0.0% 0.65 3.65 797
First Exchange Bank of Alabama Louisville 32.0 10.38 0 10.29 129,941 -2.7% 116,374 0.0% 0.76 4.13 984
PeoplesTrust Bank Hamilton 6.5 10.33 0 10.35 89,210 6.6% 78,853 0.3% 0.65 3.77 563
AuburnBank Auburn AUBN 3.6 10.31 0 10.61 834,097 5.4% 739,486 1.4% 1.04 3.23 8,414
First Jackson Bank Stevenson 10.7 10.29 0 10.34 239,617 4.9% 205,704 0.0% 0.93 3.73 2,142
CB&S Bank, Inc. Russellville 22.1 10.24 0 11.39 1,527,328 2.5% 1,236,282 0.0% 0.76 3.67 11,333
Community Spirit Bank Red Bay 12.8 10.23 0 10.32 144,244 2.5% 126,282 0.0% 0.84 4.51 1,185
First Community Bank Chatom 19.4 10.21 0 10.25 356,952 6.1% 307,988 1.6% 0.97 4.10 3,312
Regions Bank Birmingham RF 16.8 10.17 0 10.04 124,637,433 2.6% 99,645,528 3.9% 0.95 3.18 1,166,183
River Bank & Trust Prattville 9.3 10.17 0 10.03 725,308 63.0% 615,703 0.3% 0.93 3.95 4,834
Southern States Bank Anniston 9.1 10.15 0 9.74 541,731 59.2% 460,496 10.4% 0.71 4.51 3,074
Progress Bank and Trust Huntsville 7.2 10.04 0 9.78 659,809 8.9% 559,283 6.6% 0.81 3.34 5,071
PrimeSouth Bank Tallassee 13.9 9.97 0 9.98 208,183 9.4% 180,686 7.9% 0.92 3.99 1,841
First Bank Wadley 11.4 9.97 0 11.20 75,422 7.2% 66,621 0.0% 1.36 4.44 975
North Alabama Bank Hazel Green 62.2 9.93 0 11.91 94,001 -0.3% 82,499 0.0% 0.01 4.82 6
Bank of Moundville Moundville 9.9 9.91 0 10.14 89,386 -4.5% 80,187 0.0% 0.24 3.08 214
Bank of York York 0.6 9.80 0 11.01 100,598 -4.5% 76,270 0.0% 0.94 2.84 969
Traditions Bank Cullman 16.0 9.78 0 9.75 305,995 3.1% 272,397 7.5% 1.09 5.72 3,263
Peoples Bank of Alabama Cullman 17.7 9.75 0 9.38 655,748 4.4% 554,430 3.1% 1.32 4.40 8,401
SouthPoint Bank Birmingham 11.4 9.69 0 9.55 238,857 14.2% 191,205 3.8% 0.91 3.96 2,044
First Southern State Bank Stevenson 2.7 9.64 0 9.82 374,330 2.1% 332,764 0.0% 0.92 3.61 3,358
United Bank Atmore UBAB 15.9 9.52 0 9.68 550,821 8.7% 494,468 0.2% 0.60 3.60 3,164
Merchants Bank of Alabama Cullman 24.5 9.50 0 9.40 263,700 3.2% 237,501 0.0% 0.42 3.71 1,070
Bank Independent Sheffield 12.8 9.45 0 8.62 1,241,642 5.6% 1,076,932 0.0% 0.84 5.48 10,115
First Financial Bank Bessemer 41.1 9.43 0 9.58 167,867 -5.2% 134,028 0.0% 0.30 2.91 501
Citizens Bank & Trust Guntersville CBTH 11.4 9.41 0 9.57 385,438 6.1% 324,312 2.2% 0.88 4.23 3,277
First Southern Bank Florence 11.1 9.26 0 9.12 214,272 2.3% 192,444 0.0% 0.72 3.94 1,499
Friend Bank Slocomb 18.7 9.26 0 9.20 125,808 3.9% 113,751 0.0% 0.99 4.35 1,212
Troy Bank & Trust Company Troy 33.9 9.19 0 9.98 850,085 1.3% 708,455 0.0% 0.72 3.68 6,056
First Bank of the South Rainsville 24.8 9.17 0 9.38 83,563 -4.6% 74,629 0.0% 0.07 3.78 61
Premier Bank of the South Cullman 12.2 9.17 0 9.14 168,817 7.1% 152,290 3.4% 0.98 4.32 1,549
Peoples Independent Bank Boaz 11.3 9.15 0 9.98 202,859 4.4% 182,114 0.0% 1.15 4.37 2,283
Trinity Bank Dothan 10.9 9.14 0 9.02 131,669 18.8% 119,263 0.0% 0.48 4.16 580
First Fidelity Bank Fort Payne 8.6 9.02 0 9.02 91,509 2.5% 82,988 0.0% 0.37 2.93 333
NobleBank & Trust Anniston 9.3 8.94 0 8.75 217,376 16.0% 193,369 0.0% 0.54 4.03 1,076
Bryant Bank Tuscaloosa 4.0 8.93 0 8.83 1,451,577 10.5% 1,196,546 0.3% 1.20 3.29 16,636
ServisFirst Bank Birmingham SFBS 2.1 8.85 0 8.68 5,377,849 22.4% 4,386,182 0.0% 1.45 3.74 69,997
Compass Bank Birmingham BBVA 12.7 8.75 0 8.63 87,629,324 7.2% 69,214,097 9.3% 0.47 2.75 395,865
Peoples Bank of Greensboro Greensboro 6.2 8.69 0 9.14 96,695 5.2% 84,116 1.8% 1.09 3.62 1,012
Page 5
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Alabama Banks, Texas Ratio <75%
Merchants & Farmers Bank of Greene County Eutaw 7.0 8.69 0 9.29 68,214 5.0% 59,671 4.8% -0.51 4.03 -323
National Bank of Commerce Birmingham NCOM 4.4 8.56 0 8.96 1,733,554 43.9% 1,505,877 2.3% 0.82 4.14 12,044
First Community Bank of Central Alabama Wetumpka 10.0 8.18 0 8.22 347,505 2.6% 315,911 1.8% 1.83 4.03 6,103
Commercial Bank of Ozark Ozark 24.3 7.91 75 8.24 88,189 4.2% 79,689 0.0% 0.29 3.65 253
Commonwealth National Bank Mobile 58.5 6.80 688 7.15 57,869 0.5% 53,424 0.0% -0.21 3.80 -123
Page 6
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
SunSouth Bank Dothan 93.3 4.94 4,656 5.28 149,345 -2.0% 130,274 7.2% -0.55 3.25 -853
Covenant Bank Leeds 89.2 5.56 1,872 6.01 71,278 -6.9% 61,925 0.0% -2.74 3.22 -2,077
Union State Bank Pell City 77.4 6.35 3,776 5.81 233,250 1.6% 218,408 0.0% -0.11 3.35 -245
Community Bank & Trust - Alabama Union Springs 93.7 6.60 735 6.54 50,966 -8.5% 47,403 0.0% 0.23 3.57 118
Alamerica Bank Birmingham 117.3 15.85 0 16.44 34,170 -7.1% 28,435 4.3% -0.42 4.75 -149
Alabama Banks, Texas Ratio >75%
Page 7
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
First National Bank of Izard County Calico Rock 3.4 33.21 0 33.24 160,333 1.0% 104,832 0.0% 1.36 4.41 2,182
Bank of Delight Delight 2.6 19.30 0 18.88 95,047 13.6% 71,960 7.4% 1.30 3.72 1,185
Logan County Bank Scranton 6.6 18.84 0 18.76 80,275 1.0% 65,123 0.0% 0.73 3.10 585
Farmers Bank Greenwood 9.1 18.27 0 18.30 202,343 1.6% 163,530 0.0% 0.61 4.05 1,213
DeWitt Bank and Trust Company De Witt 5.8 18.21 0 18.65 118,776 -12.7% 89,591 12.2% 1.25 3.36 1,566
Warren Bank and Trust Company Warren 3.4 16.37 0 17.33 135,313 -3.3% 106,437 0.0% 0.89 3.01 1,229
First Arkansas Bank and Trust Jacksonville 23.9 15.36 0 15.46 670,571 -0.1% 527,771 5.8% 1.09 4.59 7,458
First Security Bank Searcy 2.6 14.93 0 15.92 4,983,272 5.4% 3,595,207 0.8% 2.26 5.22 106,710
Helena National Bank Helena 3.3 14.74 0 14.69 187,882 -0.8% 160,055 0.3% 0.54 3.48 1,031
Today's Bank Huntsville 30.3 14.70 0 14.63 115,885 12.5% 90,467 0.0% 1.21 5.58 1,340
Stone Bank Mountain View 28.4 14.65 0 14.56 106,082 24.2% 78,386 0.0% 1.90 5.45 1,828
United Bank Springdale 20.8 14.60 0 14.30 158,296 13.3% 121,841 4.5% 0.99 4.14 1,467
Bank of Star City Star City 2.6 14.59 0 14.70 92,812 -0.3% 77,965 0.0% 1.04 4.62 968
McGehee Bank McGehee 1.4 14.55 0 14.57 118,772 5.4% 97,221 0.0% 1.68 3.97 1,945
Peoples Bank Sheridan 0.8 14.18 0 13.94 135,839 11.7% 116,402 0.3% 1.37 3.67 1,776
Central Bank Little Rock 28.5 14.18 0 14.98 113,020 9.2% 92,831 0.0% 0.85 3.47 933
Bank of the Ozarks Little Rock OZRK 3.7 13.82 0 12.88 11,416,826 37.6% 9,638,668 17.0% 2.19 5.12 204,523
Community State Bank Bradley 0.0 13.75 0 14.06 16,948 -6.8% 13,961 0.0% 0.44 3.42 77
Relyance Bank, National Association Pine Bluff 7.1 13.61 0 13.27 587,432 2.5% 487,798 9.5% 0.93 4.15 5,229
Bank of Bearden Bearden 2.0 13.57 0 12.90 46,690 -2.6% 40,655 0.0% 1.32 3.84 578
First State Bank Crossett 19.8 13.39 0 14.18 33,819 -8.7% 28,812 0.0% 0.56 4.48 199
Bank of Gravett Gravette 13.0 13.28 0 13.47 124,337 1.6% 107,041 0.0% -0.23 4.15 -282
Chambers Bank Danville 41.3 12.66 0 12.72 662,345 -3.9% 549,808 0.0% 1.15 4.16 7,817
Bank of Prescott Prescott 26.4 12.57 0 13.08 83,822 2.7% 67,915 0.0% 0.90 4.14 740
Bank of Lake Village Lake Village 12.6 12.53 0 11.15 63,457 0.3% 56,209 0.0% 0.78 4.00 470
Citizens Bank & Trust Company Van Buren 5.4 12.51 0 12.48 375,297 1.7% 325,156 1.5% 1.66 4.39 6,196
Bank of England England 16.9 12.48 0 11.70 340,668 -6.2% 221,171 1.8% 2.09 3.73 7,186
Little River Bank Lepanto 17.2 12.41 0 12.51 35,989 -5.0% 31,371 0.0% -0.22 3.55 -80
Signature Bank of Arkansas Fayetteville 25.1 12.26 0 12.19 502,006 0.7% 405,773 6.0% 0.71 4.12 3,523
First National Bank of Fort Smith Fort Smith 14.1 12.12 0 11.77 1,255,160 3.9% 1,045,805 1.1% 1.40 3.82 17,031
Community First Bank Harrison 22.6 12.04 0 11.92 475,208 0.1% 394,947 0.0% 1.41 4.66 6,587
First Community Bank of Eastern Arkansas Marion 18.1 12.01 0 12.84 148,274 -1.5% 128,061 25.4% 0.94 3.92 1,413
First Financial Bank El Dorado 13.7 11.95 0 11.95 869,056 -4.7% 640,425 8.1% 3.09 4.73 26,868
Cross County Bank Wynne 20.7 11.83 0 11.84 229,878 9.3% 197,111 0.0% 0.96 4.62 2,199
Legacy National Bank Springdale 15.5 11.78 0 11.30 378,163 13.5% 313,419 0.0% 0.80 3.81 2,739
Smackover State Bank Smackover 4.5 11.73 0 12.18 188,350 -3.8% 165,165 0.0% 0.92 3.11 1,765
Bodcaw Bank Stamps 13.8 11.65 0 11.90 76,298 1.7% 66,908 0.0% 0.97 3.34 737
Eagle Bank and Trust Company Little Rock 6.9 11.42 0 11.81 392,849 2.7% 315,107 7.1% 0.58 3.40 2,224
RiverBank Pocahontas 5.1 11.36 0 10.66 64,516 37.5% 54,844 0.0% 1.25 4.29 683
Arkansas Banks, Texas Ratio <75%
Page 8
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Arkansas Banks, Texas Ratio <75%
Farmers Bank Hamburg 1.8 11.36 0 9.61 42,614 -2.0% 38,457 0.0% -0.27 2.68 -117
Petit Jean State Bank Morrilton 8.4 11.35 0 11.26 190,958 5.1% 162,050 0.0% 1.10 3.44 2,050
First NaturalState Bank McGehee 15.5 11.32 0 11.65 52,922 -4.3% 46,646 0.0% 0.47 3.26 251
First National Bank of Crossett Crossett 10.5 11.28 0 11.14 143,747 0.6% 127,188 0.0% 1.01 4.23 1,428
River Town Bank Dardanelle 19.1 11.26 0 12.10 142,880 -4.6% 122,238 0.0% 0.24 3.70 355
Gateway Bank Rison 6.6 11.20 0 10.48 52,670 53.9% 47,055 0.0% 0.42 5.04 176
First State Bank Russellville 4.9 11.11 0 11.10 229,239 9.2% 192,250 5.6% 1.07 3.87 2,380
First National Bank at Paris Paris 3.8 11.03 0 10.91 134,335 1.5% 114,978 0.0% 1.79 4.69 2,386
Horatio State Bank Horatio 4.7 10.96 0 10.99 168,095 11.2% 149,070 6.1% 1.39 4.40 2,220
Merchants and Farmers Bank Dumas 5.0 10.95 0 11.12 112,509 -1.4% 98,793 0.0% 0.79 4.40 913
Union Bank of Mena Mena 3.8 10.92 0 10.75 225,973 5.8% 198,999 0.0% 1.96 4.45 4,248
FBT Bank & Mortgage Fordyce 2.7 10.87 0 10.63 150,565 10.1% 119,610 0.0% 1.17 4.45 1,675
Merchants & Planters Bank Clarendon 3.9 10.86 0 11.15 47,127 -3.9% 41,692 0.0% 0.69 3.03 327
First National Bank of North Arkansas Berryville 12.3 10.80 0 10.75 190,892 2.2% 168,600 6.6% 1.16 5.07 2,189
Bank of Little Rock Little Rock 24.5 10.74 0 10.63 202,040 -0.8% 179,271 1.7% 0.73 4.13 1,464
First National Bank of Lawrence County at Walnut RidgeWalnut Ridge 3.2 10.73 0 10.06 206,645 9.4% 184,980 2.2% 0.57 4.02 1,084
First National Bank Paragould 3.5 10.71 0 10.64 1,033,636 20.0% 835,419 0.0% 1.12 3.90 10,982
Peoples Bank Magnolia 9.8 10.69 0 11.30 151,604 5.2% 91,092 37.7% 1.64 4.06 2,456
Integrity First Bank, National Association Mountain Home 0.5 10.68 0 10.40 441,960 5.3% 372,185 0.0% 0.82 3.91 3,483
Fidelity National Bank West Memphis 5.0 10.67 0 10.83 391,933 1.0% 348,735 0.0% 1.23 2.99 4,733
HomeBank of Arkansas Portland 43.3 10.64 0 10.68 75,398 0.6% 67,109 0.0% 0.60 4.60 449
Bank of Salem Salem 16.9 10.59 0 10.42 131,092 0.8% 114,273 3.8% 1.19 5.08 1,540
Cornerstone Bank Eureka Springs 25.6 10.57 0 10.42 194,658 15.0% 155,125 0.2% 1.65 4.73 3,002
First National Bank of Wynne Wynne 6.8 10.56 0 10.76 282,060 0.0% 240,417 0.0% 1.08 3.82 3,055
First State Bank of Warren Warren 4.4 10.53 0 10.48 113,629 10.1% 101,540 0.0% 0.56 3.27 610
First Delta Bank Marked Tree 4.6 10.48 0 10.75 56,872 -1.5% 50,516 0.0% 0.80 3.37 480
FNBC Bank Ash Flat 13.5 10.37 0 8.71 375,588 4.4% 267,245 0.3% 0.83 3.96 3,064
First Service Bank Greenbrier 14.5 10.31 0 10.03 271,799 5.5% 224,244 20.8% 1.07 4.83 2,756
Bank of McCrory McCrory 9.2 10.31 0 10.97 75,790 -11.4% 67,428 0.0% 0.68 2.92 567
Bear State Bank, National Association Little Rock BSF 12.4 10.26 0 10.21 1,918,917 30.1% 1,612,674 1.4% 0.82 3.91 12,858
Riverwind Bank Augusta 11.3 10.23 0 10.21 90,772 6.5% 79,345 2.0% 0.73 4.42 651
Farmers & Merchants Bank Stuttgart 10.9 10.16 0 9.85 1,003,382 49.7% 821,028 0.8% 0.96 3.87 8,203
Arkansas County Bank De Witt 23.5 10.12 0 10.68 171,530 -2.3% 135,181 1.2% 1.02 4.06 1,811
Commercial Bank & Trust Company Monticello 8.8 10.05 0 10.09 192,627 1.3% 172,809 0.0% 1.58 4.13 3,019
Diamond Bank Murfreesboro 7.7 10.01 0 10.85 494,617 7.0% 422,576 0.3% 1.41 4.03 6,785
First National Bank of Eastern Arkansas Forrest City 2.1 9.97 0 10.02 388,026 2.8% 346,974 0.0% 0.73 2.84 2,770
Malvern National Bank Malvern 12.4 9.95 0 9.84 511,553 7.8% 391,977 0.0% 0.33 3.34 1,607
Simmons Bank Pine Bluff SFNC 18.8 9.93 0 9.50 7,518,455 61.8% 6,169,177 3.9% 1.48 5.08 104,611
First State Bank Lonoke 53.4 9.89 0 9.96 262,782 3.7% 235,529 0.0% -0.45 2.96 -1,142
Page 9
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Arkansas Banks, Texas Ratio <75%
Union Bank & Trust Company Monticello 42.1 9.67 0 9.63 197,074 0.1% 159,997 2.5% 1.49 3.98 2,919
Merchants & Planters Bank Newport 10.3 9.66 0 9.63 245,371 -2.6% 214,964 0.6% 0.72 3.85 1,786
Southern Bancorp Bank Arkadelphia 17.5 9.62 0 9.73 1,144,623 -1.8% 925,301 0.3% 0.81 4.39 9,387
Farmers Bank and Trust Company Blytheville 17.6 9.56 0 9.35 462,081 10.4% 395,818 2.2% 2.18 4.44 9,608
Capital Bank Little Rock 21.4 9.56 0 10.96 145,387 -5.8% 98,758 33.3% 0.39 2.71 565
Twin Lakes Community Bank Flippin 13.2 9.56 0 9.24 122,466 18.4% 102,441 1.8% 1.24 3.85 1,400
First State Bank of DeQueen De Queen 2.9 9.12 0 8.82 222,012 4.1% 190,817 24.8% 1.63 4.39 3,470
Centennial Bank Conway HOMB 10.3 9.09 0 9.03 9,370,968 24.9% 6,637,497 5.1% 1.78 4.92 154,190
Bank of Cave City Cave City 20.3 9.04 0 8.91 99,984 2.5% 86,903 6.4% 1.18 4.28 1,162
Anstaff Bank N.A. Green Forest 8.1 9.01 0 8.83 437,678 3.3% 382,426 1.9% 1.25 3.62 5,365
Generations Bank Camden 17.8 8.97 0 8.91 385,785 10.0% 332,924 0.5% 0.92 4.21 3,415
Farmers Bank & Trust Company Magnolia 18.7 8.95 0 9.23 1,264,214 2.0% 1,120,624 0.3% 1.62 4.47 20,163
Riverside Bank Sparkman 4.6 8.74 0 8.71 60,141 4.3% 51,693 0.0% 2.68 5.21 1,606
First Community Bank Batesville 22.4 8.52 0 8.49 1,075,632 12.1% 859,639 0.4% 0.96 3.95 9,793
Security Bank Stephens 6.3 8.51 0 7.87 59,838 7.2% 53,388 10.8% 0.79 4.20 468
Piggott State Bank Piggott 0.4 8.48 0 9.96 83,798 4.7% 74,906 0.0% 1.31 3.67 1,069
First Western Bank Booneville 24.4 8.08 0 8.12 343,716 6.0% 303,360 9.1% 0.56 4.10 1,889
Priority Bank Fayetteville 35.5 8.06 0 8.03 83,827 6.5% 53,021 8.9% 1.70 4.31 1,362
Arvest Bank Fayetteville 14.0 7.96 6,638 8.26 16,419,361 3.8% 13,904,862 0.3% 0.44 2.92 69,694
Citizens Bank Batesville 14.3 7.65 2,492 7.68 736,213 29.5% 574,465 0.6% 0.74 3.86 4,523
Forrest City Bank, N.A. Forrest City FOCF 23.3 7.29 332 9.57 48,866 -10.1% 44,036 0.0% -0.28 2.79 -137
One Bank & Trust, National Association Little Rock 61.5 5.24 8,943 5.16 324,365 -2.5% 274,024 15.5% 1.02 3.07 3,352
Page 10
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Allied Bank Mulberry 277.2 6.49 1,148 6.87 72,378 -32.5% 67,146 0.0% -3.56 3.25 -3,118
Heartland Bank Little Rock 118.2 10.44 0 10.84 231,392 -4.4% 202,633 4.9% -1.08 4.95 -2,617
Pinnacle Bank Rogers 151.5 10.81 0 10.53 95,237 8.0% 77,684 0.0% 0.24 2.48 210
Arkansas Banks, Texas Ratio >75%
Page 11
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Bank of the South Pensacola 0.0 20.17 0 19.07 76,343 4.8% 61,766 0.0% -0.06 1.95 -44
Home Federal Bank of Hollywood Hallandale Beach 25.1 18.18 0 15.95 41,424 -1.1% 29,169 0.0% -3.03 4.03 -1,194
Warrington Bank Pensacola 0.0 17.89 0 18.07 85,133 -2.2% 69,688 0.0% 0.33 2.23 289
TransCapital Bank Sunrise 66.4 16.82 0 16.28 175,790 3.5% 146,003 0.0% 1.82 3.66 3,171
Bank of Pensacola Pensacola 0.0 16.13 0 15.31 73,210 6.3% 61,986 0.0% -0.30 2.29 -202
Coconut Grove Bank Miami 4.9 15.80 0 14.59 695,285 10.5% 577,260 0.0% 0.46 2.47 2,919
First National Bank of Mount Dora Mount Dora FLBD 23.1 14.72 0 15.29 209,799 1.3% 175,106 0.0% 0.76 3.73 1,571
Florida Business Bank Melbourne 1.8 14.71 0 14.78 109,347 -0.9% 92,608 0.0% 0.89 3.69 948
Plus International Bank Miami 0.0 14.31 0 14.42 102,276 -18.7% 86,499 44.5% 0.05 3.61 58
Sunstate Bank Miami 11.7 14.21 0 14.95 156,048 -12.8% 132,275 0.0% 0.24 3.31 401
First National Bank Northwest Florida Panama City 5.0 13.94 0 14.13 111,953 0.6% 95,934 0.0% 0.41 3.17 465
Sunrise Bank Cocoa Beach 1.9 13.92 0 12.54 146,922 26.8% 124,982 11.1% 0.78 3.87 958
One South Bank Chipley 30.3 13.73 0 13.75 41,395 5.1% 35,639 3.5% 0.63 4.24 270
Landmark Bank, National Association Fort Lauderdale 44.7 13.62 0 12.83 407,344 11.9% 325,190 0.6% 1.10 4.32 4,179
Drummond Community Bank Chiefland 7.6 13.46 0 13.37 415,905 6.7% 348,453 0.4% 1.36 4.94 5,267
Axiom Bank Maitland 23.0 13.44 0 14.33 666,241 0.2% 496,614 8.7% 0.57 3.52 3,920
Hillsboro Bank Plant City 1.7 13.43 0 14.07 119,466 -0.3% 101,397 0.0% 1.09 3.80 1,263
Peoples Bank of Graceville Graceville 10.4 13.37 0 13.73 87,840 0.9% 75,537 0.0% 1.34 3.11 1,119
First Green Bank Orlando 3.2 13.21 0 12.63 411,176 22.8% 347,078 0.0% 0.80 4.32 3,004
Surety Bank Deland 45.4 13.05 0 13.92 91,656 -5.0% 78,697 0.0% 1.50 4.31 1,443
City National Bank of Florida Miami BCI 3.2 12.85 0 12.47 7,103,818 27.4% 4,768,962 5.3% 0.78 3.05 48,339
FirstAtlantic Bank Jacksonville FFHD 5.1 12.63 0 12.50 424,665 8.2% 354,381 0.4% 0.83 4.14 3,434
First Federal Bank of Florida Lake City 11.4 12.57 0 12.58 1,185,124 2.5% 924,916 7.8% 1.09 3.77 12,656
Pacific National Bank Miami 5.1 12.55 0 12.31 447,685 18.0% 320,103 0.0% 0.50 3.37 2,093
Intercontinental Bank West Miami 0.4 12.51 0 13.15 147,525 -8.2% 127,235 0.0% 0.38 2.00 627
Helm Bank USA Miami 18.3 12.49 0 12.71 739,214 -1.5% 631,667 0.0% 0.45 3.84 3,292
American National Bank Oakland Park 4.3 12.35 0 12.32 289,406 8.2% 248,561 3.4% 0.87 3.71 2,419
FNBT Bank Fort Walton Beach 14.6 11.98 0 11.82 382,890 2.8% 316,283 0.0% 0.72 2.75 2,740
Palm Beach Community Bank West Palm Beach 1.3 11.96 0 11.96 326,041 3.6% 264,297 0.0% 1.81 4.27 5,793
First State Bank of Arcadia Arcadia 33.9 11.92 0 11.76 144,455 4.3% 124,980 0.0% 1.36 3.96 1,910
Commerce National Bank & Trust Winter Park 25.7 11.90 0 12.04 83,897 9.8% 72,364 0.0% 1.30 3.81 1,059
Summit Bank, National Association Panama City 9.1 11.85 0 11.68 361,063 2.7% 291,912 3.9% 0.75 3.94 2,706
Sunshine Savings Bank Tallahassee SSNF 23.3 11.78 0 12.74 162,191 5.2% 138,556 0.0% 0.03 4.09 42
CBC National Bank Fernandina Beach CBCO 20.9 11.74 0 10.70 474,384 -7.5% 320,037 22.5% 1.45 4.03 6,521
Paradise Bank Boca Raton 0.8 11.68 0 11.37 309,542 -6.0% 267,480 0.0% 2.13 4.25 6,564
TotalBank Miami POP 8.4 11.64 0 11.24 2,869,334 6.6% 2,043,045 13.4% 0.60 3.01 16,509
Community State Bank Starke 13.6 11.63 0 9.58 85,900 30.2% 77,442 0.0% 0.33 4.26 226
First National Bank of Wauchula Wauchula 35.1 11.57 0 11.23 71,714 -3.9% 61,860 0.0% 0.32 4.23 235
GulfShore Bank Tampa 5.1 11.51 0 11.54 301,505 4.2% 250,905 6.7% 0.40 3.31 1,167
Flagship Community Bank Clearwater 24.4 11.40 0 12.42 104,698 4.5% 91,348 11.1% 0.35 3.70 369
Harbor Community Bank Indiantown 19.7 11.34 0 11.02 1,753,227 40.6% 1,444,173 0.8% 0.41 3.85 6,299
Florida Banks, Texas Ratio <75%
Page 12
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Florida Banks, Texas Ratio <75%
Sunshine Bank Plant City SBCP 2.2 11.32 0 11.25 522,593 111.2% 426,905 10.2% -0.26 3.59 -1,096
Regent Bank Davie RGTB 62.0 11.25 0 11.09 357,948 2.4% 300,800 3.1% 1.10 3.97 3,830
First Florida Bank Destin 2.6 11.18 0 10.85 319,321 8.9% 279,132 0.0% 0.89 3.50 2,761
C1 Bank Saint Petersburg BNK 39.9 11.13 0 10.93 1,785,610 11.8% 1,352,530 7.4% 1.12 4.66 18,987
Floridian Community Bank, Inc. Davie 11.0 11.06 0 10.71 390,349 -2.6% 295,569 2.1% 0.03 3.57 102
Gateway Bank of Florida Daytona Beach 7.0 11.05 0 10.41 268,465 18.8% 226,263 8.2% 0.75 3.26 1,737
Wauchula State Bank Wauchula 37.3 10.97 0 11.00 633,474 4.9% 548,643 0.1% 1.98 4.47 12,142
First National Bank of Pasco Dade City 13.2 10.81 0 11.58 142,612 1.2% 120,917 0.0% 0.37 4.00 501
Columbia Bank Lake City 55.0 10.71 0 10.58 187,804 6.1% 167,193 0.0% 0.97 3.62 1,743
First Home Bank Seminole FHBI 8.2 10.65 0 9.61 115,751 27.1% 99,374 0.0% 2.88 4.32 2,788
Ocean Bank Miami 19.3 10.62 0 12.70 3,292,375 1.7% 2,819,661 0.0% 0.57 3.88 18,694
Nature Coast Bank Hernando NCBF 14.5 10.50 0 12.22 64,620 15.2% 56,647 0.0% 0.41 4.06 241
First Colony Bank of Florida Maitland 6.0 10.50 0 9.89 202,592 18.0% 182,117 6.4% 1.75 3.82 3,117
Seacoast National Bank Stuart SBCF 10.5 10.41 0 10.14 3,998,809 23.7% 3,223,400 1.5% 0.61 3.84 20,809
Peoples National Bank Niceville 24.6 10.38 0 10.62 101,991 -7.5% 91,048 0.0% -0.49 3.58 -526
Preferred Community Bank Fort Myers 7.0 10.38 0 11.37 110,273 17.7% 95,643 0.8% 1.25 4.25 1,234
Cornerstone Community Bank Saint Petersburg CZRT 19.3 10.31 0 11.53 247,621 4.0% 207,289 0.0% 0.77 3.92 1,865
Professional Bank Coral Gables PFHD 1.4 10.27 0 8.82 360,315 35.5% 307,488 0.0% 0.42 3.61 1,267
FirstCity Bank of Commerce Palm Beach Gardens 26.0 10.24 0 8.57 71,381 6.8% 62,001 3.6% -0.08 3.48 -59
Intercredit Bank, NA Miami 10.5 10.22 0 10.35 342,438 7.5% 265,387 0.0% 1.38 3.46 4,696
Stonegate Bank Pompano Beach SGBK 5.5 10.21 0 9.86 2,455,843 8.8% 2,090,795 16.2% 1.15 4.14 26,835
Florida Bank of Commerce Orlando 3.5 10.16 0 9.92 302,200 11.5% 265,025 0.0% 0.82 4.13 2,349
Jefferson Bank of Florida Oldsmar JFBF 1.5 10.08 0 9.71 270,335 16.6% 229,925 5.0% 0.61 3.44 1,497
Central Bank Tampa 9.5 10.07 0 9.83 122,530 20.8% 99,368 7.7% 0.76 3.48 838
Raymond James Bank, National Association Saint Petersburg RJF 4.3 10.06 0 9.92 15,993,552 16.2% 13,678,847 2.5% 1.32 3.07 191,179
Anchor Commercial Bank Juno Beach 22.9 10.05 0 10.69 108,408 4.1% 96,611 12.8% 0.49 3.79 536
BankUnited, National Association Miami Lakes BKU 3.8 10.03 0 9.78 24,701,857 24.6% 17,655,613 7.5% 1.20 3.94 267,604
Capital City Bank Tallahassee CCBG 24.6 9.97 0 9.01 2,770,591 3.6% 2,311,136 0.0% 0.42 3.36 11,186
Terrabank, N.A. Miami 6.0 9.94 0 10.02 321,814 8.9% 282,291 8.2% 0.68 4.07 2,089
International Finance Bank Miami 28.4 9.91 0 12.53 332,732 2.8% 289,385 0.0% -0.24 3.83 -768
Citizens Bank of Florida Oviedo 15.7 9.88 0 9.57 242,225 2.0% 214,841 5.0% 0.39 3.94 919
Flagler Bank West Palm Beach 24.1 9.85 0 9.55 215,421 23.6% 184,702 0.0% 1.89 3.95 3,669
Marquis Bank Coral Gables 7.8 9.79 0 9.53 384,116 26.1% 319,868 5.0% 0.81 3.56 2,701
Apollo Bank Miami 6.5 9.76 0 9.51 547,561 11.5% 488,974 0.0% 0.61 3.96 3,097
Eastern National Bank Miami 6.3 9.75 0 10.38 403,581 0.5% 331,100 0.0% 0.29 3.51 1,181
Legacy Bank of Florida Boca Raton 25.1 9.68 0 12.06 284,253 2.9% 237,336 0.0% 0.59 3.62 1,695
Mainstreet Community Bank of Florida Deland 14.1 9.65 0 9.62 276,887 9.5% 249,219 3.4% 0.87 3.99 2,312
Executive National Bank Miami 12.2 9.63 0 9.51 366,258 8.1% 310,644 6.7% 0.56 3.80 1,930
First Bank of the Palm Beaches West Palm Beach 4.1 9.60 0 10.42 136,109 22.9% 109,277 0.0% 1.47 4.30 1,894
United Southern Bank Umatilla 27.2 9.58 0 9.30 466,747 8.7% 419,512 0.0% 0.63 3.47 2,788
Patriot Bank Trinity 16.0 9.55 0 11.87 148,027 8.5% 128,994 0.0% 0.53 3.91 730
Page 13
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Florida Banks, Texas Ratio <75%
Gateway Bank of Southwest Florida Sarasota 0.0 9.54 0 9.24 279,593 17.3% 252,230 10.0% 0.85 3.80 2,162
Florida Community Bank, National Association Weston FCB 9.8 9.54 0 9.40 7,683,853 26.7% 5,910,655 8.3% 1.35 3.57 91,382
Fidelity Bank of Florida, National Association Merritt Island 51.0 9.52 0 13.91 232,808 0.3% 149,935 0.0% 0.37 3.57 843
Community Bank of the South Merritt Island 11.2 9.52 0 9.60 135,100 -2.0% 113,187 0.0% 0.23 2.34 309
Platinum Bank Brandon 7.8 9.46 0 8.96 586,224 7.4% 495,090 6.3% 1.16 3.75 6,348
Heartland National Bank Sebring 9.7 9.46 0 9.28 342,275 5.7% 306,027 0.0% 0.77 3.12 2,544
NorthStar Bank Tampa 6.0 9.38 0 10.14 211,184 5.3% 153,843 0.0% 0.14 3.66 282
Farmers & Merchants Bank Monticello 15.8 9.37 0 9.39 442,864 1.9% 376,949 0.0% 1.22 3.74 5,309
Prime Meridian Bank Tallahassee PMHG 0.5 9.36 0 9.22 263,929 19.8% 238,878 0.0% 0.80 3.90 1,910
Insignia Bank Sarasota 8.0 9.31 0 8.97 255,469 32.5% 215,243 0.8% 0.48 3.50 1,018
Banesco USA Coral Gables 14.7 9.27 0 9.40 954,827 6.9% 796,942 7.9% 0.32 3.81 2,996
First Citrus Bank Tampa FCIT 31.1 9.26 0 8.95 282,186 12.1% 226,020 13.0% 0.40 4.05 1,042
USAmeriBank Clearwater USAB 14.8 9.24 0 8.94 3,764,890 15.5% 3,232,215 7.1% 1.10 3.65 38,824
Atlantic Coast Bank Jacksonville ACFC 30.5 9.20 0 8.89 891,789 19.6% 554,018 7.5% 0.77 3.05 6,212
Oculina Bank Fort Pierce 8.5 9.20 0 8.83 255,845 30.8% 221,091 4.0% 0.77 3.50 1,703
Sabal Palm Bank Sarasota 0.0 9.19 0 11.55 135,702 10.5% 119,418 1.5% 0.37 3.50 481
Florida Capital Bank, N.A. Jacksonville 38.7 9.12 0 7.46 386,502 1.2% 267,997 0.0% 0.24 3.11 806
Peoples State Bank Lake City 69.0 8.97 0 9.07 77,876 10.7% 70,574 0.0% 0.32 4.05 237
FineMark National Bank & Trust Fort Myers 5.5 8.89 0 8.58 1,206,996 29.1% 1,013,361 3.2% 0.65 3.01 6,831
Marine Bank & Trust Company Vero Beach 9.8 8.88 0 8.61 206,725 23.2% 187,660 1.4% 0.61 3.72 1,119
Intracoastal Bank Palm Coast 0.0 8.88 0 9.05 282,354 12.3% 255,783 0.0% 1.42 3.58 3,728
Charlotte State Bank & Trust Port Charlotte 26.3 8.87 0 8.80 317,452 4.3% 286,738 0.0% 1.68 3.38 5,130
Madison County Community Bank Madison 24.3 8.86 0 8.82 110,416 -4.5% 100,312 0.0% 0.50 3.07 551
First State Bank of the Florida Keys Key West 20.8 8.85 0 8.79 894,034 6.6% 642,415 0.0% 1.22 3.18 10,112
Citizens First Bank The Villages 13.1 8.84 0 8.71 1,976,385 9.6% 1,576,980 0.0% 1.06 2.45 19,673
Pilot Bank Tampa PLBN 23.5 8.83 0 11.14 230,434 1.7% 188,181 4.3% 0.30 3.71 684
Community Bank and Trust of Florida Ocala 6.9 8.80 0 8.92 667,714 9.0% 605,947 0.0% 0.74 3.31 4,616
CenterState Bank of Florida, National Association Winter Haven CSFL 15.6 8.78 0 7.98 4,960,829 27.9% 4,094,285 3.3% 0.70 4.51 28,461
Encore Bank, National Association Naples 7.9 8.76 0 8.51 377,727 3.7% 333,505 0.1% 0.51 3.40 1,774
First Bank Clewiston 25.8 8.71 0 8.38 306,667 6.3% 278,755 2.4% 0.76 4.18 2,171
Citizens Bank and Trust Lake Wales 21.4 8.71 0 8.85 491,532 7.4% 429,997 0.0% 0.72 3.55 3,453
Continental National Bank Miami 4.4 8.70 0 7.40 441,260 16.8% 392,501 0.0% 0.53 3.63 2,157
Sanibel Captiva Community Bank Sanibel 8.9 8.70 0 8.31 292,433 4.0% 242,821 0.0% 1.38 4.32 3,816
U.S. Century Bank Doral 42.5 8.68 0 6.08 895,375 -1.8% 769,927 0.0% 0.06 3.29 548
Freedom Bank Saint Petersburg 6.1 8.68 0 8.45 187,656 43.3% 170,870 0.0% 0.58 3.99 926
Englewood Bank & Trust Englewood 22.8 8.64 0 8.25 255,873 12.0% 232,799 0.0% 1.65 3.56 3,845
Bank of Belle Glade Belle Glade 12.5 8.62 0 8.67 93,322 -3.3% 85,106 0.0% 0.36 2.27 341
HomeBanc National Association Tampa 1.4 8.54 0 7.18 1,013,223 11.6% 776,740 11.1% 0.69 2.48 6,762
1st Manatee Bank Parrish 19.0 8.54 0 8.37 147,011 14.5% 133,194 0.0% 0.61 3.96 849
First National Bank of South Miami South Miami FMIA 1.5 8.52 0 8.12 615,666 0.8% 495,823 0.0% 0.41 2.76 2,454
Gibraltar Private Bank & Trust Co. Coral Gables 23.7 8.46 0 8.33 1,645,984 3.9% 1,147,484 0.3% 0.41 3.24 6,493
Page 14
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Florida Banks, Texas Ratio <75%
Biscayne Bank Coconut Grove 1.8 8.46 0 8.17 677,425 26.2% 547,192 11.1% 1.31 3.71 7,921
Citizens State Bank Perry 10.4 8.45 0 8.58 272,964 -2.2% 249,065 9.5% 0.97 5.32 2,775
Gateway Bank of Central Florida Ocala 9.8 8.40 0 8.56 271,841 24.9% 230,093 0.5% 0.73 3.74 1,774
BAC Florida Bank Coral Gables 36.7 8.27 0 7.34 1,853,859 13.3% 1,499,688 17.7% 0.73 2.74 12,670
EverBank Jacksonville EVER 32.0 8.25 0 7.81 26,633,379 14.1% 19,110,366 23.3% 0.63 2.99 155,857
Mackinac Savings Bank, FSB Boynton Beach 0.0 8.23 0 8.22 110,404 1.2% 97,814 0.0% 0.31 2.48 343
Bank of Tampa Tampa 11.4 8.21 0 8.30 1,423,544 3.1% 1,292,146 0.1% 0.84 3.39 11,832
Century Bank of Florida Tampa 54.2 8.21 0 8.29 73,572 3.9% 54,904 0.0% 0.38 4.15 273
Seaside National Bank & Trust Orlando 9.6 8.18 0 7.98 1,367,198 21.6% 1,181,341 23.4% 0.55 3.22 6,807
First Florida Integrity Bank Naples 2.8 8.15 0 8.32 1,173,782 14.1% 919,303 3.3% 0.47 2.97 5,378
Bank of Central Florida Lakeland 2.1 8.13 0 8.06 421,672 4.1% 385,279 21.3% 0.64 3.42 2,652
Edison National Bank Fort Myers 4.2 8.01 0 7.74 299,915 8.5% 265,738 0.0% 0.62 2.60 1,728
OptimumBank Plantation OPHC 52.2 7.60 484 7.32 126,389 -1.9% 93,138 0.0% 0.38 3.38 468
Brannen Bank Inverness 25.7 7.14 3,851 7.83 458,214 6.8% 422,000 0.0% 1.33 3.32 5,888
Brickell Bank Miami 42.6 6.55 7,256 6.61 495,941 -23.9% 371,017 5.4% -2.21 2.37 -12,040
Page 15
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Pinnacle Bank Orange City 209.8 2.17 8,018 2.11 126,460 -16.4% 118,382 4.4% -0.42 2.84 -629
First City Bank of Florida Fort Walton Beach 524.6 2.57 11,549 2.51 216,775 -6.2% 200,779 0.0% -0.16 3.16 -353
Bank of Commerce Sarasota 235.7 2.74 11,197 2.65 211,277 -3.2% 169,737 0.0% -0.50 3.07 -1,064
Beach Community Bank Fort Walton Beach BCBF 807.8 3.41 24,614 3.42 538,259 -2.5% 490,000 0.0% -0.47 2.51 -2,526
Lafayette State Bank Mayo 252.1 3.86 3,344 3.94 78,902 -9.5% 75,428 5.3% -1.45 3.62 -1,214
Gulf Coast Community Bank Pensacola 260.4 4.34 4,882 4.26 132,464 -5.0% 116,422 0.0% -0.31 4.33 -429
Friends Bank New Smyrna Beach FRIE 126.9 7.93 72 7.45 104,968 7.1% 96,845 0.0% 0.77 3.98 743
Interamerican Bank, A FSB Miami 103.1 12.08 0 12.14 209,783 -4.5% 183,320 0.0% 0.28 3.57 614
Florida Banks, Texas Ratio >75%
Page 16
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Bank of Hancock County Sparta 2.8 24.52 0 23.65 86,699 -2.8% 65,804 0.0% 1.13 4.47 995
West Central Georgia Bank Thomaston 3.1 24.10 0 24.10 121,058 2.2% 90,218 0.0% 1.14 4.50 1,344
Elberton Federal Savings & Loan Association Elberton 0.8 22.90 0 23.13 21,096 -0.1% 16,198 0.0% 0.39 3.90 83
American Pride Bank Macon 6.0 19.46 0 19.08 135,122 6.8% 100,960 5.0% 1.18 4.29 1,525
Newton Federal Bank Covington 19.5 19.23 0 19.14 231,645 1.3% 182,200 0.0% 0.55 4.08 1,229
Bank of Dawson Dawson 7.5 17.90 0 17.31 117,891 2.1% 96,709 0.0% 1.04 4.91 1,173
CharterBank West Point CHFN 6.2 17.13 0 16.80 1,049,700 4.0% 813,316 3.8% 1.05 3.86 10,782
First Federal Savings and Loan Association of Valdosta Valdosta 18.0 16.80 0 17.11 165,486 1.5% 113,223 0.0% 0.19 3.94 307
First Intercontinental Bank Doraville FIEB 2.7 16.64 0 16.47 298,594 10.1% 245,106 0.0% 2.32 4.09 6,837
First National Bank of Waynesboro Waynesboro 2.5 16.47 0 16.67 120,992 6.8% 94,260 0.0% 1.30 4.60 1,504
Bank of Lumber City Lumber City 4.0 16.18 0 15.45 23,581 5.7% 19,467 0.0% 0.31 6.13 67
State Bank of Georgia Fayetteville 11.7 16.17 0 14.56 70,572 4.6% 54,413 0.0% 2.72 4.27 1,811
First National Bank South Alma 9.9 15.58 0 15.27 341,619 6.3% 286,065 0.0% 1.89 5.51 6,235
F&M Bank Washington 13.2 15.34 0 16.44 249,965 -5.0% 203,107 0.0% 0.94 4.17 2,382
Wheeler County State Bank Alamo 4.9 14.71 0 14.97 88,487 -0.8% 75,061 0.0% 1.02 4.31 916
Rochelle State Bank Rochelle 0.8 14.66 0 14.78 31,039 3.0% 26,324 0.0% 0.65 3.34 193
Bank of Madison Madison 25.1 14.64 0 14.43 209,088 0.4% 167,633 0.0% 1.26 4.27 2,622
Wilkinson County Bank Irwinton 10.0 14.50 0 13.79 47,869 4.3% 40,982 0.0% 0.32 4.29 149
Pelham Banking Company Pelham 1.5 14.49 0 14.77 76,491 5.3% 64,651 0.0% 1.36 3.68 983
Bank of Camilla Camilla 17.9 14.40 0 14.79 103,864 3.8% 87,162 0.3% 0.93 3.83 934
Durden Banking Company, Incorporated Twin City 5.8 14.24 0 14.04 165,194 1.8% 141,678 0.0% 2.11 4.83 3,346
Security State Bank McRae 0.0 14.23 0 14.86 42,768 -0.4% 36,315 0.0% 1.35 4.30 576
First Peoples Bank Pine Mountain 10.7 14.15 0 14.09 102,279 37.2% 86,728 0.0% 0.89 5.29 739
Farmers State Bank Dublin 17.8 14.00 0 14.01 120,833 4.0% 103,695 0.0% 1.32 4.16 1,551
Merchants & Citizens Bank McRae 16.7 13.97 0 13.55 110,681 1.8% 91,284 0.0% 0.71 3.37 756
State Bank of Cochran Cochran 14.4 13.95 0 13.75 216,972 2.7% 186,391 0.0% 1.71 4.04 3,595
Commercial State Bank Donalsonville 20.2 13.88 0 15.34 96,460 -7.7% 80,160 0.0% 0.83 4.19 840
Farmers State Bank Lincolnton 18.8 13.85 0 14.31 131,133 0.3% 112,018 0.1% 1.20 4.18 1,535
Touchmark National Bank Alpharetta TMAK 1.6 13.78 0 13.79 218,240 31.2% 167,701 3.7% 1.07 3.73 2,048
Bank of LaFayette, Georgia Lafayette 10.7 13.71 0 13.13 240,497 0.4% 206,066 0.0% 0.72 3.30 1,669
Farmers and Merchants Bank Sylvania 18.4 13.45 0 13.61 116,292 -1.4% 100,136 0.0% 0.52 4.24 601
Thomas County Federal Savings & Loan Association Thomasville 20.4 13.39 0 12.30 245,627 -2.4% 201,950 2.0% -0.71 3.38 -1,767
United National Bank Cairo 18.2 13.27 0 13.14 202,955 15.8% 170,454 19.8% 1.19 4.72 2,252
Chattahoochee Bank of Georgia Gainesville 0.0 13.21 0 13.17 161,783 11.7% 121,902 1.0% 0.55 3.76 821
Citizens Bank Cairo 12.6 13.05 0 12.92 32,446 -8.4% 27,853 0.0% -0.20 3.86 -71
Community Bank of Georgia Baxley 20.4 13.00 0 12.94 74,157 2.6% 64,375 0.0% 1.01 4.80 742
Commercial Banking Company Valdosta 14.5 12.98 0 12.71 228,450 2.3% 181,888 1.4% 0.70 3.50 1,580
Vidalia Federal Savings Bank Vidalia 10.3 12.90 0 12.77 228,375 -0.6% 199,000 0.0% 0.22 1.97 491
First State Bank of Blakely Blakely 3.4 12.89 0 12.90 444,124 10.5% 362,388 11.0% 1.32 4.17 5,785
Metro City Bank Doraville MCBS 5.6 12.88 0 11.64 726,367 19.5% 612,408 0.5% 2.67 4.97 17,794
State Bank and Trust Company Macon STBZ 8.4 12.86 0 12.64 3,519,401 24.8% 2,955,210 1.2% 1.11 4.96 35,977
Georgia Banks, Texas Ratio <75%
Page 17
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Georgia Banks, Texas Ratio <75%
Independence Bank of Georgia Braselton 2.7 12.75 0 12.79 184,113 5.9% 151,242 0.0% 0.91 3.96 1,676
NOA Bank Duluth 4.7 12.74 0 12.82 253,888 20.4% 211,129 11.4% 3.32 4.39 7,482
Exchange Bank Milledgeville EXCH 13.1 12.54 0 12.96 229,484 0.0% 199,156 0.0% 1.21 4.24 2,741
American Commerce Bank, National Association Bremen 21.3 12.53 0 11.68 200,542 84.0% 168,567 9.2% 0.54 4.07 904
First Bank of Coastal Georgia Pembroke 10.2 12.44 0 12.49 132,467 4.3% 114,833 0.0% 1.52 3.65 1,867
Farmers & Merchants Bank Eatonton 72.2 12.27 0 12.67 187,374 -4.7% 152,706 0.0% -0.06 3.27 -105
First Madison Bank & Trust Athens 0.8 12.07 0 11.96 186,655 8.6% 158,075 0.0% 1.40 4.61 2,509
Farmers Bank Greensboro 4.5 12.06 0 13.22 105,093 3.5% 83,543 0.0% 1.00 3.08 1,005
Resurgens Bank Tucker 1.7 12.06 0 11.54 155,357 21.2% 126,629 5.9% 1.70 4.28 2,288
Four County Bank Allentown 11.8 12.05 0 12.15 65,189 9.5% 56,471 0.0% 1.73 4.43 1,066
Citizens Bank of Cochran Cochran 12.6 11.95 0 13.13 74,614 -3.7% 63,834 0.0% 2.23 4.63 1,656
Community Banking Company of Fitzgerald Fitzgerald CBHC 5.1 11.92 0 11.59 134,271 1.7% 116,407 0.0% 1.00 4.03 1,303
Citizens Trust Bank Atlanta CZBS 21.6 11.92 0 12.42 403,747 1.4% 343,138 6.1% 0.50 3.40 1,986
Peoples Bank Willacoochee 6.6 11.87 0 11.80 74,795 7.9% 65,875 0.0% 0.92 3.59 661
Heritage First Bank Rome 7.6 11.86 0 11.57 104,165 5.5% 91,583 0.0% 0.05 4.92 53
Douglas National Bank Douglas 6.7 11.84 0 11.88 170,274 11.0% 149,728 14.1% 2.41 4.76 3,939
Citizens National Bank of Quitman Quitman 17.4 11.79 0 12.66 97,710 2.5% 81,682 0.0% 0.82 3.83 790
Peoples State Bank & Trust Baxley 16.8 11.78 0 11.70 82,361 3.5% 72,428 0.0% 1.67 4.75 1,360
Citizens Bank Nashville 34.0 11.76 0 11.82 257,624 -0.2% 226,211 0.0% 1.03 3.75 2,636
Bank of Dade Trenton 5.0 11.70 0 11.69 100,078 2.7% 88,300 0.0% 1.31 3.88 1,246
First Port City Bank Bainbridge 2.2 11.63 0 11.90 160,147 5.2% 139,654 0.0% 1.23 4.36 1,876
Georgia Primary Bank Atlanta 64.7 11.61 0 7.55 155,265 3.1% 137,275 0.0% 0.48 3.86 730
Glennville Bank Glennville 17.4 11.49 0 11.42 214,531 2.1% 188,673 0.0% 1.19 4.62 2,505
First Bank of Pike Molena 55.5 11.49 0 10.83 41,376 -2.5% 36,352 0.0% 0.23 5.17 97
Southeast First National Bank Summerville 14.2 11.47 0 10.94 62,038 2.6% 55,077 0.0% 0.35 2.78 199
Citizens Bank of The South Sandersville 13.2 11.46 0 11.15 215,866 6.7% 171,717 0.0% 0.71 4.50 1,461
Bank of Alapaha Alapaha 2.4 11.46 0 11.44 140,394 0.4% 123,846 0.0% 0.89 4.05 1,227
Southern Bank Sardis 35.8 11.39 0 11.33 78,952 -2.8% 69,616 0.0% 0.63 5.24 497
Hamilton State Bank Hoschton HMBH 8.8 11.36 0 11.34 1,766,041 5.6% 1,519,898 0.2% 0.89 4.91 15,360
Liberty First Bank Monroe 21.1 11.20 0 10.82 120,470 6.3% 105,049 0.0% 1.43 3.76 1,649
North Georgia National Bank Calhoun 16.0 11.15 0 11.28 122,946 4.6% 105,818 2.0% 0.59 3.44 700
First National Bank of Decatur County Bainbridge 7.2 11.13 0 11.40 119,755 1.4% 100,783 1.5% 0.89 3.65 1,056
Bank of Dudley Dublin 17.3 11.12 0 10.94 210,857 5.1% 187,272 0.0% 0.94 4.26 1,877
BankSouth Greensboro 12.4 11.05 0 10.64 453,882 13.4% 383,613 0.0% 2.31 5.09 9,662
Synovus Bank Columbus SNV 11.7 11.04 0 11.45 28,901,215 5.6% 23,656,612 5.1% 0.93 3.34 262,571
Citizens Community Bank Hahira 9.0 11.04 0 10.99 134,008 4.7% 118,967 0.0% 1.67 4.49 2,200
Rabun County Bank Clayton 38.4 10.96 0 10.99 154,566 2.6% 129,177 0.0% 0.72 3.61 1,129
Citizens Bank & Trust, Inc. Trenton 14.7 10.89 0 10.57 103,114 6.1% 91,043 0.0% 0.95 5.18 922
Quantum National Bank Suwanee 3.0 10.89 0 10.40 390,157 14.3% 342,331 8.5% 1.59 4.97 5,674
Embassy National Bank Lawrenceville 6.2 10.89 0 10.56 94,433 23.5% 82,857 9.9% 1.55 5.13 1,288
Bank of Hazlehurst Hazlehurst 30.3 10.88 0 10.63 134,457 16.2% 117,384 0.0% 1.70 4.00 2,116
Page 18
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Georgia Banks, Texas Ratio <75%
Wilcox County State Bank Abbeville 15.7 10.86 0 10.99 82,295 2.9% 73,059 0.0% 0.93 4.53 757
Altamaha Bank and Trust Company Vidalia 19.9 10.79 0 10.47 159,358 4.9% 142,354 0.0% 1.41 4.95 2,179
South Georgia Bank Glennville 25.0 10.77 0 10.94 141,255 5.4% 122,353 0.0% 2.01 5.94 2,706
Citizens State Bank of Taylor County Reynolds 17.4 10.73 0 11.17 52,251 3.0% 46,157 0.0% 0.30 3.92 152
National Bank of Georgia Athens 7.3 10.66 0 10.07 406,463 9.9% 314,799 1.2% 1.30 3.85 4,857
Citizens Bank of Swainsboro Swainsboro 19.9 10.65 0 10.57 163,579 7.8% 144,449 0.0% 0.93 4.78 1,444
SunMark Community Bank Hawkinsville 23.3 10.61 0 10.73 231,363 2.3% 203,539 0.0% 1.39 4.24 3,201
First National Community Bank Chatsworth 19.4 10.60 0 13.72 144,595 7.6% 124,045 0.0% 4.53 3.90 6,253
Commercial Bank Crawford 17.6 10.60 0 10.95 129,344 6.7% 106,275 0.5% 2.10 4.28 2,630
Southern Bank & Trust Clarkesville 14.0 10.60 0 10.68 130,341 3.4% 115,543 0.0% 0.77 4.19 979
Calumet Bank LaGrange 13.6 10.59 0 10.76 147,005 7.4% 128,864 0.0% 0.43 3.74 633
South Coast Bank & Trust Brunswick 0.0 10.54 0 10.41 89,885 3.3% 80,272 3.7% 0.83 3.87 727
South Georgia Banking Company Tifton 10.3 10.53 0 10.82 446,252 0.2% 387,702 0.0% 1.03 3.74 4,562
First National Bank of Coffee County Douglas 16.8 10.53 0 10.30 142,093 4.9% 121,102 0.0% 1.38 3.86 1,936
Mount Vernon Bank Vidalia 5.6 10.50 0 10.44 137,719 3.7% 121,667 0.0% 1.14 3.66 1,518
Century Bank of Georgia Cartersville 14.8 10.50 0 10.30 170,811 1.1% 152,204 0.0% 0.78 3.35 1,295
Atlantic National Bank Brunswick 6.4 10.49 0 10.07 170,501 15.1% 148,997 0.0% 1.20 3.00 1,881
Family Bank Pelham 18.6 10.48 0 10.19 96,447 7.9% 86,283 0.0% 0.45 4.36 409
Century Bank & Trust Milledgeville 24.1 10.47 0 9.89 243,812 3.8% 216,111 0.0% 0.91 4.03 2,104
Guardian Bank Valdosta 5.0 10.47 0 10.47 293,689 3.9% 261,982 1.1% 1.33 3.68 3,789
Morris Bank Dublin 23.6 10.40 0 10.36 564,899 15.2% 489,973 12.7% 2.08 4.93 10,774
United Bank Zebulon 9.6 10.38 0 10.32 1,190,801 4.8% 1,062,310 0.0% 1.66 3.77 18,811
Bank of Early Blakely 26.9 10.36 0 9.72 108,911 6.3% 93,251 0.3% 0.62 4.77 651
Colony Bank Fitzgerald CBAN 26.2 10.34 0 10.25 1,166,533 1.0% 1,003,421 4.2% 0.81 3.58 9,366
Peoples Bank of Talbotton Talbotton 12.9 10.29 0 7.48 55,235 11.5% 49,498 1.0% 0.76 5.24 387
Community & Southern Bank Atlanta 9.2 10.22 0 10.32 4,069,459 16.1% 3,577,944 2.6% 0.81 4.15 32,088
Greater Community Bank Rome 7.3 10.19 0 9.95 136,395 8.6% 115,423 1.8% 0.60 5.04 755
First Landmark Bank Marietta 7.0 10.14 0 10.26 483,058 15.4% 390,413 2.0% 1.06 4.37 4,749
Northeast Georgia Bank Lavonia 23.3 10.04 0 9.17 461,621 9.7% 412,865 0.0% 1.19 3.07 5,149
Pinnacle Bank Elberton 11.8 10.02 0 9.98 685,162 5.3% 602,622 0.9% 1.45 4.28 9,469
Bank of Terrell Dawson 28.5 10.00 0 10.10 153,062 7.0% 136,979 0.0% 1.04 4.56 1,535
Georgia Bank & Trust Company of Augusta Augusta SBFC 7.6 9.97 0 9.99 1,872,059 4.0% 1,576,922 10.8% 1.14 3.34 20,722
Southeastern Bank Darien SEBC 26.2 9.91 0 10.88 415,323 3.3% 369,303 0.0% 0.76 3.41 3,050
Mountain Valley Community Bank Cleveland 22.4 9.90 0 10.10 172,718 5.9% 149,550 0.0% 0.98 4.20 1,666
SunTrust Bank Atlanta STI 18.4 9.88 0 9.73 189,907,589 2.5% 154,833,252 3.8% 1.09 2.99 2,014,359
Queensborough National Bank & Trust Company Louisville 23.0 9.88 0 9.33 951,077 9.6% 857,324 0.0% 0.76 4.13 6,487
Capital Bank Fort Oglethorpe 20.1 9.87 0 9.78 113,333 -0.4% 100,007 0.0% 1.02 4.58 1,125
First American Bank and Trust Company Athens 17.4 9.83 0 9.56 490,800 6.4% 402,260 0.0% 0.58 3.29 2,712
Pineland State Bank Metter 29.1 9.76 0 9.75 57,277 0.2% 51,457 0.0% 0.47 3.62 262
PrimeSouth Bank Blackshear 30.6 9.70 0 10.10 362,464 7.0% 324,780 0.0% 1.56 4.88 5,373
Waycross Bank & Trust Waycross 6.2 9.69 0 9.89 150,822 2.3% 134,847 0.0% 0.80 3.09 1,190
Page 19
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Georgia Banks, Texas Ratio <75%
Brand Banking Company Lawrenceville 38.9 9.63 0 9.79 2,264,343 15.6% 1,888,480 5.1% 0.68 3.84 14,460
Alma Exchange Bank & Trust Alma 34.6 9.53 0 9.69 87,223 4.4% 78,482 0.0% 0.53 4.11 467
Claxton Bank Claxton 29.0 9.45 0 8.84 120,939 2.7% 110,063 0.0% 0.94 4.43 1,084
Trust Bank Lenox 43.6 9.43 0 9.20 38,358 12.1% 34,185 0.0% 1.05 6.31 368
Bank of Soperton Soperton 14.1 9.41 0 9.22 46,508 17.4% 42,055 0.0% 1.35 5.70 564
Bank of Edison Edison 8.0 9.41 0 9.77 42,859 -3.6% 37,809 0.0% 0.54 3.55 233
Piedmont Bank Norcross 13.1 9.39 0 11.23 486,054 18.0% 415,699 0.0% 0.92 4.19 4,090
Planters First Bank Hawkinsville 44.3 9.35 0 9.29 280,389 2.9% 251,856 0.0% 1.76 4.62 4,785
Citizens Bank of Americus Americus 7.5 9.34 0 9.18 270,328 5.2% 238,396 0.0% 1.07 3.58 2,709
Ameris Bank Moultrie ABCB 19.7 9.33 0 9.90 6,114,791 47.1% 5,233,262 0.1% 0.90 4.35 47,596
Citizens Bank of Forsyth County Cumming 20.8 9.32 0 9.21 279,525 14.1% 251,279 0.0% 0.94 3.64 2,406
United Community Bank Blairsville UCBI 10.0 9.28 0 9.94 9,747,998 27.8% 8,033,607 6.0% 0.99 3.44 87,936
Vinings Bank Smyrna 12.3 9.24 0 10.09 272,595 -2.6% 234,389 0.0% 1.14 3.70 3,004
PeoplesSouth Bank Colquitt 22.9 9.19 0 9.15 715,333 45.4% 626,222 0.0% 1.08 3.85 6,475
First State Bank of Randolph County Cuthbert 9.4 9.12 0 9.34 77,185 4.9% 69,643 0.0% 0.64 3.28 477
Oconee State Bank Watkinsville 2.9 9.05 0 9.44 304,932 5.0% 275,556 0.0% 0.70 3.41 2,056
Planters and Citizens Bank Camilla 9.5 9.00 0 9.09 119,762 -0.8% 108,652 0.0% 0.22 2.44 262
AB&T National Bank Albany ALBY 5.5 8.87 0 12.49 143,228 5.0% 112,966 0.0% 0.36 3.95 488
Georgia Banking Company Atlanta 22.5 8.86 0 7.98 371,561 13.8% 292,583 26.9% 0.73 3.52 2,372
River City Bank Rome 20.3 8.80 0 8.74 151,435 -5.6% 133,303 0.0% -0.42 3.62 -647
Peach State Bank & Trust Gainesville 13.4 8.75 0 9.45 171,082 14.8% 151,232 0.0% 0.99 3.50 1,546
Geo. D. Warthen Bank Sandersville 31.3 8.70 0 8.75 172,919 1.9% 151,126 0.0% 0.67 4.47 1,162
First State Bank Wrens 16.1 8.62 0 8.84 106,412 11.5% 96,435 2.1% 1.28 5.72 1,271
Bank of Newington Newington 60.2 8.61 0 7.01 91,704 12.1% 82,462 2.5% 1.93 5.12 1,651
Bank of Wrightsville Wrightsville 22.1 8.59 0 8.35 54,799 0.3% 49,588 0.0% 0.47 3.50 253
Southwest Georgia Bank Moultrie SGB 2.6 8.53 0 8.53 408,013 2.2% 332,997 0.0% 0.91 4.11 3,656
SouthCrest Bank NA Tyrone SCSG 14.0 8.46 0 9.17 552,250 -1.8% 498,983 0.0% 0.40 3.66 2,195
Flint Community Bank Albany 23.5 8.46 0 8.12 196,575 9.9% 174,411 6.1% 0.78 3.87 1,431
First Bank Dalton 17.3 8.44 0 8.06 245,452 17.9% 220,246 0.0% 1.31 4.12 2,874
Private Bank of Buckhead Atlanta 18.1 8.31 0 7.96 300,626 14.1% 241,329 3.5% 1.78 5.08 4,873
Fidelity Bank Atlanta LION 19.2 8.30 0 7.63 4,096,366 27.9% 3,428,606 4.2% 0.93 3.28 33,196
Peoples Bank Lyons 2.8 8.30 0 8.40 71,815 0.9% 65,609 0.0% 0.72 4.44 517
S Bank Glennville 10.8 8.26 0 9.50 108,813 11.7% 94,992 2.1% 0.53 5.27 532
Farmers & Merchants Bank Statesboro FMBE 37.2 8.23 0 10.65 178,974 5.5% 159,464 0.0% 0.37 3.65 632
Thomasville National Bank Thomasville THVB 5.5 8.23 0 8.42 722,477 12.4% 637,479 3.5% 1.45 3.57 10,154
Heritage Bank Jonesboro CCFH 26.8 8.22 0 7.97 405,017 5.0% 359,965 0.0% 0.67 3.92 2,622
Barwick Banking Company Barwick 0.0 8.13 0 8.79 11,942 -6.1% 10,888 0.0% -0.54 1.52 -68
Talbot State Bank Woodland 66.0 7.80 145 7.34 72,334 0.8% 66,888 49.7% -0.18 3.42 -129
First Century Bank, National Association Gainesville 11.7 7.80 242 8.21 118,790 8.3% 108,200 0.0% 1.65 2.80 1,802
Bank of Monticello Monticello 28.7 7.47 523 7.52 100,923 5.7% 92,710 0.0% 1.06 3.84 1,036
Citizens Bank & Trust Company Eastman 50.8 6.95 1,354 6.39 129,777 0.8% 119,465 0.0% 0.34 4.02 430
Page 20
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Georgia Banks, Texas Ratio <75%
Affinity Bank Atlanta 45.2 5.36 6,888 6.62 275,131 5.9% 224,791 0.0% 2.04 2.89 5,331
First National Bank of Griffin Griffin 18.4 5.01 7,487 4.94 254,320 4.2% 229,079 0.0% 0.40 3.15 974
Page 21
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Foothills Community Bank Dawsonville 334.3 2.11 4,139 2.09 69,663 -9.3% 68,108 0.0% -0.23 4.67 -166
Gwinnett Community Bank Duluth 466.5 2.77 17,602 2.80 334,981 -6.4% 309,585 0.0% -0.01 2.54 -19
Woodbury Banking Company Woodbury 291.6 2.87 1,170 2.99 22,449 -4.2% 21,709 0.0% -2.79 3.88 -661
Farmers & Merchants Bank Lakeland 322.9 3.09 26,538 3.00 543,172 -1.3% 519,116 0.0% -0.10 3.88 -528
CornerstoneBank Atlanta 117.3 3.56 10,679 3.47 240,716 -0.5% 202,108 0.0% 0.21 2.93 519
Community Bank & Trust - West Georgia LaGrange 199.0 4.55 2,895 4.62 84,174 -7.8% 79,987 0.0% -0.35 4.32 -310
Northside Bank Adairsville 206.8 4.62 4,273 4.45 123,754 -7.5% 115,199 0.0% -4.72 3.48 -6,187
First Southern Bank Patterson 133.0 5.11 2,988 4.94 107,512 10.8% 98,661 0.0% 0.25 4.73 248
F & M Bank and Trust Company Manchester 236.2 5.17 2,274 5.13 81,171 -2.5% 72,994 0.0% 0.34 4.56 278
Heritage Bank Hinesville 178.2 5.27 14,342 4.94 535,504 -0.7% 507,001 1.9% -0.06 3.13 -321
Legacy State Bank Loganville 247.3 6.01 1,434 4.78 72,333 3.9% 63,156 0.0% -0.39 3.42 -277
First Chatham Bank Savannah 143.4 6.23 6,433 6.17 367,047 -1.7% 329,348 0.0% 0.50 3.47 1,837
Persons Banking Company Forsyth 99.8 6.24 5,728 6.26 327,044 -2.1% 301,644 0.0% -0.70 4.05 -2,289
Citizens State Bank Kingsland 113.2 6.62 788 7.30 55,271 -5.8% 51,067 0.0% -0.74 4.51 -427
Peoples Bank Eatonton 106.7 6.73 1,648 6.88 127,164 -6.9% 112,472 0.0% -1.03 3.21 -1,378
Providence Bank Alpharetta 211.3 7.22 839 10.39 110,251 -3.8% 89,486 0.0% 0.05 3.61 51
First Covenant Bank Commerce 91.3 7.47 1,045 7.85 191,635 7.7% 176,027 0.0% 0.82 4.03 1,489
Bank of Eastman Eastman 166.3 7.74 458 7.84 176,872 -6.8% 158,432 0.0% 0.74 4.19 1,363
Georgia Heritage Bank Dallas 105.9 8.03 0 7.42 73,699 1.7% 64,539 0.0% 1.31 4.75 959
Peoples Bank & Trust Buford 111.7 8.60 0 9.64 268,030 -2.8% 241,828 0.0% 1.90 3.48 5,191
Community Bank of Pickens County Jasper 93.4 9.15 0 9.08 331,994 -2.0% 297,098 0.0% 0.24 3.99 773
Carver State Bank Savannah 99.1 9.28 0 9.44 40,368 -3.1% 33,957 19.0% -0.04 4.79 -16
WestSide Bank Hiram 229.4 9.30 0 9.02 122,159 6.8% 110,673 0.0% 0.16 4.00 184
Signature Bank of Georgia Sandy Springs 105.6 11.44 0 11.64 94,106 10.7% 76,335 0.0% -0.32 4.17 -291
Georgia Banks, Texas Ratio >75%
Page 22
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Citizens Federal Savings and Loan Association Covington 0.0 28.12 0 28.09 35,410 1.3% 22,274 0.0% 0.66 3.19 227
First Federal Savings and Loan Association Morehead 14.5 28.12 0 28.30 33,000 -1.3% 23,343 0.0% 0.07 3.53 24
Blue Grass Federal Savings and Loan Association Paris 18.3 25.79 0 26.08 37,282 -7.1% 27,371 0.0% -2.99 3.84 -1,176
Jackson County Bank McKee 2.4 25.71 0 25.59 132,394 2.8% 93,764 0.0% 1.16 3.91 1,528
First Federal Savings and Loan Association (MHC) Hazard KFFB 17.7 24.33 0 24.46 73,428 -2.8% 52,692 0.0% 0.28 3.14 209
Kentucky Farmers Bank Corporation Ashland 6.3 22.28 0 23.09 180,862 3.0% 138,906 0.0% 2.56 5.55 4,443
Farmers Bank Hardinsburg 8.1 21.27 0 21.20 112,014 3.1% 87,964 0.0% 1.96 4.54 2,138
Security Bank and Trust Company Maysville 0.4 20.55 0 20.17 52,149 1.7% 41,602 0.0% 1.34 3.49 683
Dixon Bank Dixon 3.7 20.29 0 20.68 89,709 -0.4% 70,737 0.0% 0.83 2.97 740
Hart County Bank and Trust Company Munfordville 0.0 19.35 0 19.49 27,847 -0.5% 22,316 0.0% 0.67 4.23 187
Citizens Bank Hartford 7.4 19.35 0 18.40 30,716 -5.1% 24,592 0.0% 0.46 4.32 142
Farmers Deposit Bank Cynthiana 16.0 18.96 0 19.60 130,710 -5.4% 104,557 0.0% 0.93 3.42 1,241
First & Peoples Bank and Trust Company Russell 5.1 18.32 0 17.24 203,678 0.8% 167,975 0.0% 0.19 3.31 378
Clinton Bank Clinton 8.4 18.11 0 18.60 60,258 -2.6% 42,203 2.4% 0.79 3.55 474
Metro Bank Louisville 10.0 17.55 0 17.30 31,479 -4.5% 25,803 17.9% 0.28 2.43 90
Bank of Maysville Maysville 3.3 16.69 0 16.60 125,111 5.2% 100,877 0.0% 0.86 3.63 1,037
Leitchfield Deposit Bank & Trust Company Leitchfield 11.1 16.47 0 16.28 124,043 -3.2% 91,335 0.0% 1.72 4.24 2,105
Bankers' Bank of Kentucky, Inc. Frankfort 0.0 16.13 0 15.17 85,088 19.6% 71,424 0.0% 0.50 3.18 367
Louisa Community Bank Louisa 19.5 15.53 0 15.57 33,097 5.4% 27,627 6.3% -0.01 4.57 -2
Town Square Bank Ashland PBSK 8.2 15.51 0 15.31 435,528 4.6% 345,547 0.0% 0.72 4.34 3,111
Farmers Bank and Trust Company Princeton, Kentucky Princeton 0.9 15.35 0 15.28 124,762 1.1% 102,585 0.0% 1.63 4.19 1,961
Citizens Bank & Trust Company Campbellsville 3.4 14.86 0 15.63 209,672 -8.5% 174,796 0.0% 0.91 3.37 1,968
Commercial Bank of Grayson Grayson 1.2 14.81 0 14.62 178,468 4.8% 151,236 0.0% 0.66 3.83 1,138
Citizens Deposit Bank of Arlington, Inc. Arlington 2.2 14.75 0 15.38 189,005 9.0% 138,968 16.7% 1.87 3.86 3,452
Farmers Bank and Trust Company Marion 4.0 14.61 0 14.81 141,264 3.8% 106,354 0.0% 1.80 5.16 2,536
Farmers Bank of Milton Milton 15.6 14.39 0 14.62 228,203 0.7% 194,481 0.0% 0.90 3.59 2,018
Home Savings Bank, FSB Ludlow 12.4 14.35 0 14.74 26,856 0.3% 21,345 0.0% -0.78 3.15 -210
Fredonia Valley Bank Fredonia 14.9 14.35 0 14.87 75,579 -0.5% 60,549 0.0% 1.24 4.73 949
Commonwealth Community Bank, Inc. Hartford 1.1 14.26 0 14.51 149,049 -0.7% 120,315 0.0% 1.02 3.63 1,522
Edmonton State Bank Edmonton 2.2 14.22 0 14.05 466,647 1.2% 382,707 0.0% 1.61 3.99 7,408
Springfield State Bank Springfield 1.2 14.12 0 13.32 300,578 3.3% 221,586 0.0% 1.08 3.48 3,168
Farmers National Bank of Scottsville Scottsville 5.0 14.07 0 14.74 247,466 -1.1% 201,846 0.0% 1.03 3.88 2,595
Carrollton Federal Bank Carrollton 3.7 14.05 0 14.28 33,436 -6.2% 27,585 0.0% 0.38 4.01 134
First Federal Savings Bank of Kentucky (MHC) Frankfort KFFB 15.7 13.89 0 14.07 228,427 -0.2% 149,278 0.0% 0.74 3.94 1,708
Elkton Bank & Trust Company Elkton 1.0 13.79 0 13.62 136,486 4.4% 109,823 0.0% 1.04 4.10 1,359
Bank of the Bluegrass & Trust Co. Lexington 13.8 13.68 0 13.68 226,505 1.3% 187,784 2.2% 1.22 3.98 2,734
First National Bank of Jackson Jackson 7.9 13.67 0 13.95 111,190 -0.1% 95,031 0.0% 0.06 2.75 72
Salyersville National Bank Salyersville 3.5 13.64 0 13.25 122,784 -7.4% 98,848 0.0% 0.79 3.57 971
Citizens Bank Hickman 14.3 13.59 0 13.95 112,724 2.9% 90,371 5.8% 1.25 4.36 1,411
Victory Community Bank Fort Mitchell 13.2 13.58 0 13.01 167,018 0.2% 122,282 0.0% 2.25 3.04 3,546
American Founders Bank, Inc. Louisville 65.1 13.51 0 12.53 99,834 -65.9% 80,494 2.5% 2.65 3.64 5,379
Kentucky Banks, Texas Ratio <75%
Page 23
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Kentucky Banks, Texas Ratio <75%
Bedford Loan & Deposit Bank Bedford 15.0 13.50 0 13.94 88,907 2.5% 73,525 0.0% 0.49 4.07 426
Cumberland Security Bank, Inc. Somerset 2.8 13.14 0 13.00 181,103 8.5% 153,739 0.0% 1.99 4.42 3,482
River City Bank, Inc. Louisville 4.5 13.03 0 14.29 268,451 -6.0% 215,886 0.0% 1.45 3.87 4,046
Bank of Clarkson Clarkson 2.5 12.95 0 12.82 114,780 -3.3% 97,336 0.0% 1.25 3.78 1,441
United Bank & Trust Company Versailles FFKT 31.9 12.93 0 13.07 520,954 -1.4% 381,720 0.0% 0.60 3.42 3,083
Peoples Bank & Trust Company Owenton 8.3 12.89 0 13.49 55,048 -4.5% 45,466 0.0% 2.49 4.89 1,397
Taylor County Bank Campbellsville 8.7 12.67 0 12.62 180,795 0.7% 146,122 0.0% 1.97 4.52 3,484
Town & Country Bank and Trust Company Bardstown 5.6 12.37 0 13.43 282,810 8.1% 243,605 0.0% 3.69 3.26 9,864
Sacramento Deposit Bank Sacramento 3.1 12.31 0 12.32 70,081 -2.9% 59,402 0.0% 1.76 4.54 1,234
United Cumberland Bank Whitley City 29.3 12.31 0 12.09 284,662 0.6% 231,627 0.1% 1.47 4.32 4,122
Peoples Bank MT. Washington Mount Washington 35.4 12.29 0 12.38 82,926 2.6% 72,369 0.0% 1.96 4.48 1,583
United Community Bank of West Kentucky, Inc. Morganfield 2.1 12.24 0 12.43 232,995 4.7% 187,775 1.6% 1.57 4.35 3,535
First National Bank of Russell Springs Russell Springs 14.3 12.23 0 12.42 217,738 5.0% 188,842 0.0% 0.62 3.93 1,296
First United Bank and Trust Company Madisonville 1.9 12.19 0 13.36 203,112 2.7% 150,919 0.0% 1.72 4.51 3,498
First National Bank of Carrollton Carrollton 8.4 12.15 0 11.88 104,807 1.8% 88,448 0.0% 1.48 3.93 1,505
Forcht Bank, National Association Lexington 5.6 12.15 0 12.71 998,318 3.8% 810,111 0.0% 0.86 4.21 8,528
First Farmers Bank and Trust Company Owenton 16.0 12.11 0 12.29 116,062 3.7% 93,523 0.0% 1.29 4.40 1,487
Pinnacle Bank, Inc. Vanceburg 2.8 12.09 0 11.99 50,929 1.5% 38,375 6.5% 0.82 4.92 417
Lincoln National Bank Hodgenville 2.9 12.06 0 12.00 283,620 52.1% 233,534 0.0% 0.78 4.13 2,208
Commercial Bank West Liberty 2.8 12.00 0 12.67 141,607 -5.1% 105,967 0.0% 0.72 3.79 1,030
Casey County Bank Liberty 19.5 12.00 0 11.93 181,383 9.1% 154,524 0.0% 0.86 4.28 1,474
Inez Deposit Bank Inez 7.8 11.99 0 12.33 152,293 -3.6% 133,071 0.0% 0.23 2.85 358
United Citizens Bank of Southern Kentucky, Inc. Columbia 23.7 11.94 0 11.78 139,154 3.9% 122,283 0.0% 0.98 4.39 1,313
Paducah Bank and Trust Company Paducah 7.4 11.87 0 12.57 579,690 4.5% 423,497 11.4% 1.78 4.30 9,935
Community Trust Bank, Inc. Pikeville CTBI 24.1 11.86 0 11.99 3,857,946 3.2% 3,047,249 0.0% 1.19 3.83 45,115
Eclipse Bank, Inc. Louisville 19.0 11.86 0 12.44 141,377 -0.6% 119,009 21.2% 0.51 3.76 712
Winchester Federal Bank Winchester 7.8 11.84 0 12.36 148,974 -7.2% 96,233 0.0% 1.45 3.10 2,238
First State Bank Irvington 2.1 11.78 0 11.11 182,875 7.2% 159,221 0.0% 1.20 3.80 2,027
Citizens Bank of Cumberland County Burkesville 16.5 11.78 0 11.57 75,551 5.5% 64,308 0.0% 1.83 4.84 1,306
South Central Bank, Inc. Glasgow 9.2 11.76 0 11.85 915,841 3.7% 781,912 0.0% 0.80 3.66 7,085
PBK Bank, Inc. Stanford 23.8 11.69 0 11.61 110,358 5.8% 94,555 0.0% 1.01 4.39 1,083
United Citizens Bank & Trust Company Campbellsburg 6.3 11.68 0 11.59 107,339 0.3% 82,339 0.0% 0.64 3.33 689
Bank of Edmonson County Brownsville 18.3 11.64 0 11.80 210,823 6.1% 179,248 0.0% 1.65 4.06 3,359
First National Bank of Manchester Manchester 8.7 11.61 0 12.10 148,606 2.4% 130,189 0.0% 0.35 3.06 501
Citizens Union Bank of Shelbyville Shelbyville 24.9 11.59 0 13.16 556,937 5.9% 434,209 3.4% 1.68 3.96 8,978
Peoples Bank of Kentucky, Inc. Flemingsburg 13.2 11.53 0 11.72 265,848 3.6% 225,507 0.0% 1.05 4.21 2,784
Peoples Bank Taylorsville 23.0 11.33 0 12.07 111,861 -0.2% 95,150 0.0% 1.14 3.70 1,266
Peoples Bank Marion 29.8 11.18 0 11.39 39,127 4.1% 33,347 0.0% 0.66 4.83 253
Farmers Bank Nicholasville 5.6 11.12 0 11.47 118,117 5.4% 103,970 0.0% 0.65 4.13 771
Peoples Bank & Trust Company of Madison County Berea 37.0 11.11 0 11.29 402,760 2.5% 306,839 1.9% 0.61 3.73 2,407
King Southern Bank Chaplin 4.4 11.09 0 11.23 177,058 -0.2% 132,528 0.0% 1.66 4.65 2,938
Page 24
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Kentucky Banks, Texas Ratio <75%
Sebree Deposit Bank Sebree 0.1 11.08 0 11.76 22,638 -3.0% 19,469 0.0% -0.17 3.28 -39
Central Bank of Jefferson County Lexington 14.1 10.99 0 11.72 173,585 -3.7% 137,524 7.8% 0.41 3.50 740
Franklin Bank & Trust Company Franklin 4.8 10.98 0 10.80 429,377 9.0% 356,816 0.1% 0.85 3.97 3,506
Bank of Jamestown Jamestown 17.0 10.98 0 10.53 176,987 2.3% 134,844 0.0% 0.77 3.54 1,334
Farmers State Bank Booneville 10.8 10.94 0 11.52 50,904 -0.7% 41,286 0.0% 1.10 4.07 557
Home Federal Bank Corporation Middlesboro HFBA 16.0 10.94 0 10.82 341,263 0.9% 272,788 1.1% 0.70 4.11 2,380
Owingsville Banking Company Owingsville 22.2 10.93 0 8.53 62,923 2.1% 52,865 0.0% 0.35 5.13 214
Bank of Buffalo Buffalo 16.4 10.93 0 10.99 75,538 0.1% 60,362 18.7% 2.22 3.95 1,657
Farmers National Bank of Danville Danville BYLB 14.2 10.92 0 11.18 461,682 4.2% 385,832 0.0% 1.12 3.78 4,979
Whitaker Bank, Inc. Lexington 39.9 10.90 0 11.19 1,370,880 -0.9% 1,118,144 0.0% 0.46 3.49 6,225
Republic Bank & Trust Company Louisville RBCAA 10.8 10.88 0 11.44 4,240,488 7.4% 2,869,715 10.2% 0.97 3.50 39,674
Bank of Harlan Harlan 16.9 10.84 0 10.76 139,750 7.8% 122,491 0.0% 0.25 3.46 335
Citizens National Bank of Somerset Somerset 22.6 10.77 0 10.27 388,140 6.9% 318,516 0.0% 1.33 3.71 4,946
Citizens National Bank of Paintsville Paintsville CZNL 18.1 10.70 0 10.84 629,133 9.8% 513,275 0.5% 0.81 3.44 4,658
Century Bank of Kentucky, Inc. Lawrenceburg 49.9 10.69 0 10.65 116,285 2.2% 93,995 0.0% 1.45 3.89 1,671
Citizens Bank of Northern Kentucky, Inc. Newport FFKT 27.6 10.67 0 10.86 244,443 -4.5% 197,019 0.0% 0.43 3.63 1,053
Kentucky Neighborhood Bank Elizabethtown 22.6 10.67 0 11.03 134,145 1.6% 110,425 2.4% 0.67 4.03 898
Farmers Deposit Bank Liberty 11.6 10.65 0 10.51 47,085 3.0% 39,923 0.0% 0.92 4.69 427
Bank of the Mountains, Inc. West Liberty 10.4 10.64 0 10.58 68,482 4.6% 59,572 0.0% 0.70 6.01 477
First Commonwealth Bank of Prestonsburg, Inc. Prestonsburg 4.7 10.61 0 11.12 300,142 -1.9% 224,790 0.0% 1.28 3.45 3,850
First & Farmers National Bank, Inc. Somerset 5.0 10.61 0 10.23 505,699 1.2% 417,817 0.0% 1.10 3.97 5,428
First National Bank and Trust London 6.3 10.48 0 11.65 212,993 -0.1% 176,792 0.0% 0.51 3.57 1,082
Central Bank & Trust Company Lexington 19.8 10.48 0 10.09 2,054,600 4.6% 1,696,319 0.3% 0.86 3.71 17,262
Heritage Bank USA, Inc. Hopkinsville HFBC 12.8 10.46 0 10.88 882,588 -1.3% 725,707 4.5% 0.25 3.34 2,170
First National Bank of Brooksville Brooksville 5.6 10.44 0 10.71 64,984 -0.4% 54,990 0.0% 0.55 3.32 362
Monticello Banking Company Monticello 10.3 10.40 0 10.50 568,063 4.6% 506,276 0.0% 1.11 4.03 6,119
Bank of Columbia Columbia 17.6 10.40 0 10.49 128,802 0.5% 110,541 0.0% 1.75 4.20 2,248
Magnolia Bank Hodgenville 6.9 10.37 0 11.22 178,635 3.8% 141,899 0.0% 2.45 3.67 4,279
Heritage Bank, Inc. Erlanger 26.9 10.32 0 10.39 601,291 12.6% 513,005 2.6% 0.95 4.07 5,394
Hancock Bank and Trust Company Hawesville 24.1 10.30 0 10.40 275,826 1.5% 233,223 0.0% 0.50 3.98 1,357
Traditional Bank, Inc. Mount Sterling 12.4 10.29 0 10.63 1,260,832 7.9% 1,033,783 21.4% 1.90 3.73 23,029
Bank of Hindman Hindman 11.6 10.24 0 9.72 197,290 10.9% 159,167 0.0% 0.69 2.83 1,273
Cumberland Valley National Bank & Trust Company London 15.8 10.15 0 10.52 436,144 4.2% 382,138 0.0% 0.36 3.20 1,539
First National Bank of Grayson Grayson 8.8 10.14 0 9.95 242,368 10.2% 215,736 0.0% 1.00 3.78 2,359
Bank of Lexington, Inc. Lexington 3.2 10.04 0 9.79 256,195 1.9% 199,761 3.5% 0.82 3.74 1,980
Lewisburg Banking Company Lewisburg 3.5 10.03 0 10.15 114,437 0.7% 91,465 0.0% 1.54 3.85 1,716
Stock Yards Bank & Trust Company Louisville SYBT 3.5 10.02 0 10.09 2,821,867 12.4% 2,371,879 0.0% 1.49 3.62 39,257
First Guaranty Bank Martin 21.9 9.96 0 10.12 51,103 -5.7% 44,721 0.0% 0.50 3.07 262
Citizens National Bank of Lebanon Lebanon 5.3 9.93 0 10.20 123,901 4.8% 106,104 0.0% 1.22 3.15 1,472
Farmers National Bank of Lebanon Lebanon 12.2 9.90 0 10.09 103,443 0.5% 92,326 0.0% -0.64 3.43 -665
Citizens Bank Mount Vernon 13.9 9.89 0 10.05 146,048 1.4% 119,737 0.0% 0.89 4.17 1,292
Page 25
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Kentucky Banks, Texas Ratio <75%
First Citizens Bank Elizabethtown FFKT 26.7 9.80 0 9.98 303,154 -1.7% 253,939 0.0% 1.90 3.59 5,877
Citizens First Bank, Inc. Bowling Green CZFC 6.7 9.76 0 9.74 434,594 0.8% 363,587 0.5% 0.95 3.96 4,094
West Point Bank Radcliff 6.6 9.62 0 8.71 213,828 34.9% 84,371 0.0% 0.91 3.22 1,584
Cecilian Bank Cecilia 16.5 9.54 0 9.75 628,064 2.2% 509,178 0.0% 1.03 3.55 6,297
Community Financial Services Bank Benton 6.5 9.52 0 9.37 866,053 17.6% 779,349 12.9% 1.02 4.07 8,079
Peoples Bank Lebanon 0.0 9.49 0 9.28 53,978 -1.3% 46,956 0.0% 0.63 3.65 328
Field & Main Bank Henderson 12.1 9.49 0 9.34 393,469 1.6% 327,334 0.0% 1.01 4.54 3,954
Farmers Bank & Capital Trust Company Frankfort FFKT 18.2 9.48 0 9.87 696,383 -1.1% 564,098 0.0% 0.81 3.17 5,619
Commonwealth Bank and Trust Company Louisville 12.5 9.44 0 9.66 894,188 6.0% 740,330 8.2% 0.84 3.26 7,259
Citizens Deposit Bank & Trust Vanceburg PFBI 7.3 9.39 0 9.38 393,816 1.4% 337,991 0.0% 1.01 3.61 3,944
First Capital Bank of Kentucky Louisville FCBE 9.1 9.35 0 9.23 506,591 -1.0% 383,328 14.3% 0.63 3.32 3,167
Meade County Bank Brandenburg 1.7 9.34 0 9.40 188,214 -2.0% 155,379 0.0% 1.08 3.31 2,044
Peoples Exchange Bank Winchester 11.2 9.33 0 9.07 349,262 2.5% 283,527 1.4% 0.71 4.06 2,386
First Community Bank of the Heartland, Inc. Clinton 5.6 9.27 0 9.79 180,209 4.2% 147,829 10.2% 1.05 4.16 1,909
Hometown Bank of Corbin, Inc. Corbin 14.5 9.23 0 9.27 147,562 4.9% 125,482 0.0% 0.53 4.03 754
Bluegrass Community Bank Danville 10.8 9.22 0 9.30 74,716 11.1% 62,028 0.0% 0.03 3.61 25
First Kentucky Bank, Inc. Mayfield 5.3 9.20 0 9.26 401,282 4.8% 323,742 3.3% 1.16 3.77 4,498
Auburn Banking Company Auburn 12.3 9.15 0 8.39 75,777 1.9% 66,382 0.0% 1.83 4.37 1,334
Peoples Bank and Trust Company of Clinton County Albany 29.4 8.99 0 8.97 33,467 2.3% 29,938 0.0% 0.47 4.94 155
Farmers & Traders Bank of Campton Campton 16.0 8.94 0 9.83 50,272 7.8% 43,965 0.0% 0.68 3.85 330
Murray Bank Murray 4.3 8.93 0 9.03 287,328 6.5% 258,943 0.0% 0.85 3.18 2,329
Bank of Caneyville Caneyville 3.5 8.89 0 8.92 49,883 -0.8% 45,391 0.0% 0.70 2.78 350
Morgantown Bank & Trust Company, Incorporated Morgantown 1.9 8.87 0 8.79 169,204 4.8% 148,158 0.0% 0.64 4.02 1,057
Planters Bank, Inc. Hopkinsville 7.7 8.86 0 9.14 901,274 2.1% 727,192 10.2% 1.63 3.78 14,526
1st Trust Bank, Inc. Hazard 31.2 8.86 0 8.28 218,699 15.0% 192,732 5.0% 0.53 3.59 1,065
Hyden Citizens Bank Hyden 12.3 8.76 0 9.51 131,314 5.3% 108,130 0.0% 1.00 4.17 1,282
American Bank & Trust Company, Inc. Bowling Green 11.2 8.76 0 9.17 290,106 10.8% 262,479 0.0% 0.96 3.81 2,673
Kentucky Bank Paris KTYB 11.7 8.75 0 8.97 988,677 15.6% 767,007 0.8% 0.77 3.70 7,137
United Southern Bank Hopkinsville 18.7 8.68 0 8.77 261,683 -3.0% 230,068 0.0% -0.51 3.99 -1,362
First State Financial, Inc. Middlesboro 42.0 8.67 0 8.70 337,341 -0.1% 295,708 0.7% -0.76 4.14 -2,586
FNB Bank, Inc. Mayfield 5.1 8.65 0 8.87 432,467 2.9% 379,620 6.3% 0.98 3.95 4,206
Kentucky Federal Savings and Loan Association Covington 17.9 8.53 0 8.69 35,864 0.3% 31,802 0.0% -0.06 2.90 -22
Bank of Cadiz and Trust Company Cadiz 6.2 8.36 0 8.59 109,072 2.0% 94,102 0.2% 0.41 3.38 448
Citizens Bank & Trust Co. of Jackson Jackson 22.4 8.34 0 8.32 152,256 1.1% 135,553 8.2% 0.40 4.03 612
First Southern National Bank Lancaster 17.6 8.31 0 8.28 852,019 24.7% 752,275 0.2% 0.93 4.48 7,420
Citizens Bank Morehead 15.4 8.25 0 8.08 132,257 3.5% 106,530 0.0% 0.63 3.96 815
First Security Bank, Inc. Owensboro FIIT 7.0 8.23 0 8.13 594,443 8.4% 475,946 0.0% 0.80 3.75 4,646
Peoples Bank & Trust Company of Hazard Hazard 58.1 8.22 0 8.33 275,533 -1.7% 250,731 0.0% 0.68 3.84 1,872
Wilson & Muir Bank & Trust Company Bardstown 6.5 8.08 0 8.63 464,166 5.8% 403,942 0.0% 1.52 3.69 6,990
First State Bank, Inc. Central City 11.7 8.03 0 7.90 114,298 17.9% 100,699 1.9% 1.10 4.67 1,181
Citizens Guaranty Bank Irvine 19.4 8.03 0 8.05 153,341 7.1% 125,384 0.0% 0.55 4.15 824
Page 26
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Kentucky Banks, Texas Ratio <75%
Independence Bank of Kentucky Owensboro 4.3 7.59 7,469 7.31 1,889,943 19.8% 1,437,401 5.4% 1.81 4.20 31,134
PBI Bank, Inc. Louisville PBIB 64.5 6.39 15,023 6.03 937,444 -7.0% 866,377 0.0% -0.14 3.42 -1,322
Citizens Commerce National Bank Versailles 37.1 5.68 5,099 5.71 217,740 0.6% 175,239 0.0% 0.29 3.15 627
Page 27
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
None
Kentucky Banks, Texas Ratio >75%
Page 28
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Union Savings and Loan Association New Orleans 0.2 41.99 0 42.09 74,998 -4.1% 43,358 0.0% 0.14 2.47 108
Mutual Savings and Loan Association Metairie 0.0 28.55 0 28.20 44,331 15.5% 26,758 0.0% 0.58 4.07 235
Rayne Building and Loan Association Rayne 1.1 21.12 0 22.60 63,502 -2.8% 48,643 0.0% 0.92 3.26 597
Abbeville Building & Loan (A State-Chartered Savings Bank) Abbeville 12.6 20.10 0 21.26 67,179 10.5% 51,335 0.0% 0.77 3.07 509
St. Landry Homestead Federal Savings Bank Opelousas 32.7 20.06 0 19.92 227,915 -3.4% 171,319 2.0% 0.70 3.65 1,602
Bank of Gueydan Gueydan 3.6 18.81 0 18.73 82,171 -5.4% 66,596 0.0% 0.17 2.40 144
Evangeline Bank and Trust Company Ville Platte 13.3 18.46 0 17.96 572,268 -0.1% 452,544 0.0% 0.75 3.59 4,219
M C Bank & Trust Company Morgan City 13.6 17.70 0 18.18 344,123 -3.8% 279,177 3.6% 1.00 3.58 3,533
Fifth District Savings Bank New Orleans 3.6 17.24 0 17.20 400,197 3.8% 324,166 0.0% 0.55 3.23 2,157
Beauregard Federal Savings Bank DeRidder 8.8 17.13 0 17.41 60,518 5.4% 49,713 0.0% 2.22 4.97 1,326
Hibernia Bank New Orleans HIBE 1.3 16.96 0 16.92 117,732 8.6% 96,041 2.1% 0.20 3.34 230
Hodge Bank & Trust Company Hodge 10.4 16.49 0 16.59 67,012 -0.6% 54,961 0.0% 2.56 4.81 1,722
First National Bank of Benton Benton 3.2 16.47 0 17.53 55,296 3.7% 43,076 0.0% 0.72 3.39 402
First National Bankers Bank Baton Rouge 14.7 16.17 0 17.79 836,424 9.2% 422,476 0.0% 1.26 2.78 10,530
Tri-State Bank and Trust Haughton 1.5 15.84 0 15.75 32,135 -9.4% 27,054 0.0% 3.15 5.46 1,029
Fidelity Bank New Orleans 9.2 15.72 0 16.04 793,950 -2.2% 600,112 2.4% 0.54 4.22 4,327
MBL Bank Minden MDNB 0.8 15.49 0 15.54 320,374 5.3% 260,996 0.0% 1.45 3.54 4,428
Bank of Abbeville & Trust Company Abbeville 2.6 15.39 0 15.67 182,944 -2.3% 152,837 0.0% 0.58 3.10 1,062
Lakeside Bank Lake Charles 0.4 14.29 0 14.24 155,869 13.3% 133,167 0.0% 0.44 3.56 648
Simmesport State Bank Simmesport 17.3 14.17 0 14.58 73,338 4.2% 62,430 1.9% 1.36 5.20 991
Kaplan State Bank Kaplan 1.7 13.92 0 15.35 93,418 -2.2% 75,511 0.0% 1.60 3.79 1,496
Citizens Savings Bank Bogalusa 48.0 13.90 0 13.78 210,170 0.9% 175,357 0.0% 0.67 4.94 1,392
Citizens Bank, Ville Platte, Louisiana Ville Platte 1.5 13.67 0 13.70 252,331 -1.8% 216,620 0.0% 0.89 3.06 2,255
Eureka Homestead Metairie 4.7 13.17 0 13.44 89,028 -8.2% 47,504 0.0% 0.06 2.22 58
United Community Bank Raceland 14.8 13.17 0 12.88 546,994 -3.8% 452,132 0.0% 0.41 4.28 2,295
Highlands Bank Jackson 8.6 12.99 0 13.15 140,669 -1.8% 121,860 0.0% 0.98 3.91 1,377
Bank of Erath Erath 4.6 12.98 0 13.19 100,407 -5.3% 86,824 0.0% 0.69 4.29 693
South Louisiana Bank Houma 7.2 12.80 0 12.85 468,109 -2.2% 402,539 0.0% 1.22 3.92 5,793
Peoples Bank and Trust Company of Pointe Coupee Parish New Roads 8.2 12.70 0 12.73 213,238 -1.6% 170,204 0.0% 1.67 4.49 3,685
Mississippi River Bank Belle Chasse 0.5 12.58 0 11.75 126,041 -14.5% 110,990 0.0% 1.41 4.72 1,853
First National Bank USA Boutte 52.2 12.39 0 12.14 134,885 0.6% 106,955 0.0% 0.52 4.06 687
First American Bank and Trust Vacherie 13.0 12.33 0 12.72 863,399 4.1% 747,996 0.0% 1.34 4.10 11,340
First Federal Bank of Louisiana Lake Charles 6.5 12.31 0 12.17 813,943 -3.6% 625,806 0.3% 0.23 2.83 1,846
Jonesboro State Bank Jonesboro 3.5 12.27 0 13.87 208,750 12.1% 172,744 10.6% 1.72 3.95 3,259
Gulf Coast Bank Abbeville 13.0 12.27 0 12.05 388,629 -1.9% 340,237 2.9% 0.47 4.23 1,810
Cross Keys Bank Saint Joseph 2.5 12.18 0 13.00 324,735 1.2% 246,996 8.0% 1.38 4.07 4,421
Farmers-Merchants Bank & Trust Company Breaux Bridge 31.6 12.14 0 12.58 295,511 -2.5% 252,404 0.0% 1.17 4.38 3,500
Commercial Capital Bank Delhi 21.6 12.08 0 11.66 85,501 19.4% 75,397 0.0% 2.36 5.04 1,846
Bank of Winnfield & Trust Company Winnfield 22.0 12.01 0 10.67 143,534 -0.9% 126,013 0.0% 0.95 3.34 1,351
Tensas State Bank Newellton 10.6 11.97 0 12.82 146,458 0.1% 114,272 0.0% 1.34 3.84 1,964
Sicily Island State Bank Sicily Island 8.5 11.94 0 12.05 51,061 4.2% 37,811 13.1% 1.47 5.70 739
Citizens Bank & Trust Company Plaquemine 13.7 11.93 0 10.91 259,361 6.2% 221,654 0.0% 0.75 4.10 1,828
Louisiana Banks, Texas Ratio <75%
Page 29
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Louisiana Banks, Texas Ratio <75%
Southern Heritage Bank Jonesville 5.7 11.82 0 12.32 282,863 1.4% 245,690 0.0% 1.62 4.38 4,558
Citizens Bank & Trust Company of Vivian, Louisiana Vivian 24.7 11.78 0 12.52 139,902 -4.3% 120,349 0.0% 1.11 4.87 1,578
Crescent Bank & Trust New Orleans 18.2 11.66 0 11.61 1,055,897 3.9% 919,358 12.5% 1.64 12.44 16,929
Home Federal Bank Shreveport HFBL 0.2 11.64 0 11.61 362,913 1.3% 292,075 3.4% 0.96 3.68 3,470
Mer Rouge State Bank Mer Rouge 12.9 11.64 0 11.89 43,742 -3.0% 38,380 0.0% 0.48 3.35 210
Bank of Commerce White Castle 3.2 11.62 0 12.32 61,547 3.2% 53,887 0.0% 0.54 3.68 329
Concordia Bank & Trust Company Vidalia 6.1 11.58 0 11.79 518,495 -3.2% 435,563 0.0% 1.17 3.18 6,117
Jackson Parish Bank Jonesboro 7.8 11.50 0 12.93 70,690 1.3% 61,179 0.0% 0.51 3.00 357
Tri-Parish Bank Eunice 6.7 11.49 0 11.76 207,245 -3.5% 177,430 0.0% 1.43 3.46 2,954
Feliciana Bank & Trust Company Clinton FLOL 8.4 11.47 0 11.36 111,991 -0.9% 97,947 0.0% 1.27 4.31 1,415
Bank of Commerce & Trust Company Crowley 1.7 11.46 0 11.36 336,129 -2.8% 284,694 0.0% 0.60 2.43 2,055
Plaquemine Bank and Trust Company Plaquemine 17.7 11.31 0 11.31 142,119 4.9% 125,299 0.0% 0.47 3.51 631
Citizens National Bank, N.A. Bossier City CNBL 6.4 11.19 0 11.24 859,979 4.2% 733,394 0.0% 1.13 4.39 9,398
BOM Montgomery 9.9 11.07 0 11.35 284,888 29.7% 249,884 0.3% 1.78 4.80 4,295
Winnsboro State Bank & Trust Company Winnsboro 12.7 11.05 0 10.45 137,398 -0.5% 121,209 0.0% 0.72 4.37 978
Resource Bank Covington 16.4 11.03 0 10.74 587,162 4.2% 486,780 1.1% 1.15 4.59 6,602
Cottonport Bank Marksville 13.2 11.01 0 11.18 342,560 4.0% 299,370 0.0% 0.44 4.13 1,456
Peoples Bank Chatham 6.0 11.01 0 10.73 53,875 15.4% 47,890 13.3% 0.43 4.77 215
City Savings Bank & Trust Company DeRidder 3.7 10.98 0 10.90 319,413 2.3% 283,402 0.0% 2.04 4.76 6,391
Exchange Bank and Trust Company, Natchitoches, Louisiana Natchitoches 5.4 10.94 0 12.05 129,991 0.7% 114,068 0.0% 1.55 3.46 1,995
St. Landry Bank and Trust Company Opelousas 19.9 10.91 0 10.88 291,616 -1.8% 259,229 0.0% 0.52 1.76 1,515
Citizens Bank & Trust Company Covington 29.0 10.90 0 8.61 115,561 1.0% 101,835 0.0% 0.74 4.06 860
Florida Parishes Bank Hammond FPBF 14.0 10.89 0 10.89 243,426 6.2% 206,417 0.7% 1.31 5.13 3,099
Progressive Bank Monroe 1.5 10.84 0 10.69 534,438 7.2% 447,329 4.2% 0.80 4.23 4,161
First National Bank in DeRidder DeRidder 4.0 10.76 0 10.39 241,879 -0.2% 212,345 0.0% 0.73 3.88 1,741
Basile State Bank Basile 21.2 10.67 0 10.59 56,105 -3.7% 50,034 0.0% 1.91 5.48 1,077
Homeland Federal Savings Bank Columbia 15.6 10.66 0 10.20 189,479 15.3% 149,027 0.4% 2.08 5.79 3,539
Bank of St. Francisville Saint Francisville 16.4 10.60 0 10.82 110,167 -2.2% 96,926 0.0% 1.10 5.02 1,230
Washington State Bank Washington 0.1 10.59 0 10.89 169,265 -5.0% 144,192 0.0% 1.00 3.92 1,636
American Bank & Trust Company Opelousas ABNC 0.5 10.53 0 10.94 181,510 1.9% 157,249 0.0% 1.04 3.94 1,809
Rayne State Bank & Trust Company Rayne 1.1 10.52 0 10.95 367,511 -2.7% 323,187 0.0% 1.61 4.24 5,974
Investar Bank Baton Rouge ISTR 3.0 10.52 0 10.19 1,072,101 24.0% 810,026 0.0% 0.79 3.57 7,546
Metairie Bank & Trust Company Metairie MBKL 1.4 10.43 0 10.08 372,551 5.8% 332,818 0.0% 0.62 3.59 2,228
Synergy Bank Houma 27.3 10.38 0 10.24 505,804 2.0% 452,647 1.1% 1.20 3.94 5,919
Guaranty Bank and Trust Company New Roads 3.9 10.30 0 10.31 202,519 -1.2% 180,499 0.0% 1.09 4.25 2,157
First National Bank of Louisiana Crowley 0.5 10.29 0 10.39 356,019 1.1% 311,049 0.0% 1.67 4.11 5,862
Richland State Bank Rayville 7.3 10.28 0 10.38 294,415 2.1% 256,588 0.0% 1.31 4.40 3,915
Landmark Bank Clinton 30.1 10.27 0 10.66 110,679 1.7% 98,780 0.0% 0.69 4.00 751
Bank of Oak Ridge Oak Ridge 0.2 10.25 0 10.78 50,654 -11.4% 44,983 0.0% 0.27 1.95 145
Bank, The Jennings 6.4 10.24 0 10.12 223,716 7.5% 191,008 0.0% 1.17 5.30 2,467
Patterson State Bank Patterson 8.5 10.07 0 10.48 221,970 -2.5% 197,045 0.0% 0.91 4.23 2,073
Ouachita Independent Bank Monroe 5.8 9.98 0 10.43 672,529 2.9% 577,552 1.1% 1.73 3.96 11,600
Page 30
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Louisiana Banks, Texas Ratio <75%
Catahoula-LaSalle Bank Jonesville 27.4 9.94 0 10.17 186,389 -5.7% 166,616 0.0% 0.91 3.49 1,717
City Bank & Trust Co. Natchitoches 1.5 9.92 0 10.30 231,582 -2.7% 205,600 0.0% 1.08 2.90 2,489
Coastal Commerce Bank Houma 10.7 9.92 0 9.98 430,579 -0.2% 384,996 0.0% 2.12 4.70 8,967
Teche Bank & Trust Company Saint Martinville 4.3 9.91 0 11.09 109,986 -1.5% 96,669 0.0% 1.27 4.45 1,406
Marion State Bank Marion 2.7 9.91 0 9.15 185,846 8.0% 164,726 0.0% 0.75 4.27 1,279
Bank of Ruston Ruston CTUY 4.6 9.90 0 9.65 220,579 29.2% 174,789 17.2% 0.92 4.38 1,724
Sabine State Bank and Trust Company Many 12.3 9.89 0 9.73 838,455 4.9% 720,360 0.2% 1.68 4.31 13,629
First NBC Bank New Orleans FNBC 7.7 9.89 0 11.03 4,953,702 21.9% 3,957,089 5.5% 1.54 3.15 68,863
Red River Bank Alexandria 3.4 9.83 0 9.62 1,562,660 6.3% 1,400,376 0.0% 0.99 3.37 14,624
Commerce Community Bank Oak Grove 1.3 9.80 0 9.91 58,243 10.2% 52,178 0.0% 0.96 3.73 528
Union Bank Marksville 19.9 9.76 0 9.70 249,155 4.0% 192,515 0.4% 1.67 4.29 4,074
American Bank & Trust Company, Inc. Covington 18.8 9.75 0 9.94 112,496 -3.3% 101,080 0.0% 0.13 3.62 147
Business First Bank Baton Rouge 10.1 9.75 0 9.30 1,155,424 57.2% 978,732 10.0% 0.49 3.73 5,341
First National Bank of Jeanerette Jeanerette 7.1 9.74 0 10.08 232,734 0.5% 208,353 0.0% 1.59 4.71 3,631
Merchants & Farmers Bank & Trust Company Leesville 6.4 9.65 0 9.64 375,226 23.7% 280,724 0.0% 0.58 3.83 2,101
Community First Bank New Iberia 3.6 9.64 0 10.10 323,009 -4.2% 289,605 0.0% 1.72 4.39 5,648
Heritage Bank of St. Tammany Covington 20.0 9.63 0 9.67 97,425 8.4% 74,564 0.1% 0.31 3.27 288
Caldwell Bank & Trust Company Columbia 32.6 9.63 0 9.35 182,760 11.1% 155,689 3.2% 1.48 5.38 2,528
Gibsland Bank & Trust Company Gibsland 24.2 9.61 0 9.53 371,582 9.9% 330,443 0.0% 1.06 4.83 3,848
Farmers State Bank & Trust Company Church Point 5.4 9.59 0 9.72 107,531 4.8% 96,844 0.0% 1.37 4.87 1,434
Anthem Bank & Trust Plaquemine 33.6 9.54 0 9.32 148,814 8.3% 101,367 0.0% 0.43 3.26 590
Bank of Zachary Zachary 6.1 9.49 0 9.33 225,967 8.7% 203,898 0.0% 0.82 3.97 1,691
First Guaranty Bank Hammond FGBI 17.9 9.48 0 9.66 1,465,879 -5.1% 1,316,373 1.6% 0.92 3.34 13,459
First Bank and Trust New Orleans 13.4 9.39 0 5.81 798,487 6.7% 691,755 0.0% 1.26 4.22 9,818
MidSouth Bank, National Association Lafayette MSL 29.8 9.38 0 9.39 1,916,178 -3.8% 1,573,646 0.0% 0.63 4.38 12,234
Bank of Sunset and Trust Company Sunset 9.0 9.37 0 9.57 132,911 7.3% 118,583 3.1% 0.90 3.85 1,134
Origin Bank Ruston 17.9 9.35 0 9.71 3,842,972 2.3% 3,299,503 9.0% 0.51 3.37 19,655
Bank of Coushatta Coushatta 10.7 9.26 0 10.37 205,362 -4.6% 183,767 0.0% 1.14 3.22 2,300
Vermilion Bank & Trust Company Kaplan 11.4 9.24 0 10.22 109,639 -4.8% 96,824 0.0% 1.48 4.21 1,708
Colfax Banking Company Colfax 0.9 9.23 0 9.84 102,542 7.8% 92,221 0.0% 1.10 4.06 1,085
Iberville Bank Plaquemine 15.3 9.19 0 9.21 266,428 5.6% 239,503 0.0% 0.33 3.82 837
IBERIABANK Lafayette IBKC 13.6 9.17 0 9.02 20,014,851 22.5% 16,398,801 9.1% 0.87 3.63 166,286
Guaranty Bank & Trust Company of Delhi Delhi 4.0 9.11 0 8.94 203,973 8.3% 161,451 0.0% 2.45 5.11 4,790
St. Martin Bank and Trust Company Saint Martinville 11.2 9.09 0 8.83 558,788 4.8% 479,530 2.6% 2.46 5.33 13,213
Home Bank, National Association Lafayette HBCP 8.9 8.97 0 8.99 1,543,034 25.1% 1,269,518 4.2% 0.93 4.48 13,140
Citizens Progressive Bank Winnsboro 43.4 8.94 0 8.39 144,967 30.2% 125,220 7.2% 1.36 4.73 1,683
Progressive National Bank Mansfield 1.7 8.84 0 8.62 42,625 1.2% 38,780 0.0% 0.53 3.49 222
JD Bank Jennings JDVB 9.3 8.74 0 8.75 823,594 6.5% 704,894 0.0% 0.71 4.58 5,645
Gulf Coast Bank and Trust Company New Orleans 23.3 8.61 0 7.90 1,373,361 9.1% 1,212,577 9.7% 1.89 5.75 25,353
Franklin State Bank & Trust Company Winnsboro 3.0 8.48 0 8.64 157,678 -3.9% 131,643 0.0% -1.04 4.39 -1,677
Liberty Bank and Trust Company New Orleans 18.9 8.25 0 6.49 613,660 -1.6% 542,938 3.5% 0.30 4.13 1,812
Community Bank of Louisiana Mansfield 4.6 8.24 0 8.72 420,357 -0.4% 383,293 0.0% 1.09 3.25 4,667
Page 31
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Louisiana Banks, Texas Ratio <75%
First National Bank Arcadia 10.1 8.13 0 8.19 231,751 5.8% 198,887 12.6% 1.69 5.20 3,768
Delta Bank Vidalia 4.3 8.03 0 8.30 260,743 -0.6% 237,307 0.6% 1.62 4.54 4,132
Page 32
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
State Bank & Trust Company Golden Meadow 82.1 10.09 0 10.41 128,668 -6.7% 114,919 0.0% 0.17 3.98 237
South Lafourche Bank & Trust Company Larose 76.0 10.63 0 10.56 165,323 -0.8% 146,114 0.0% 0.58 3.77 950
Bank of Louisiana New Orleans BOLB 92.6 11.00 0 11.97 79,261 0.8% 69,307 0.0% -1.47 6.96 -1,160
Louisiana Banks, Texas Ratio >75%
Page 33
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Homewood Federal Savings Bank Baltimore 6.6 25.21 0 25.36 58,534 -7.3% 43,603 0.0% 0.64 3.58 386
Rosedale Federal Savings and Loan Association Baltimore 17.6 24.97 0 24.71 816,293 1.3% 611,312 0.0% 1.02 3.61 8,165
Saint Casimir's Savings Bank Baltimore 1.3 21.44 0 20.99 92,777 -2.8% 71,596 0.0% -0.62 2.15 -582
Madison Bank of Maryland Forest Hill MBCQ 20.6 18.28 0 18.01 139,351 -1.3% 100,248 0.0% -0.48 2.60 -672
Calvin B. Taylor Banking Company of Berlin, Maryland Berlin TYCB 9.8 16.55 0 16.57 466,178 2.7% 382,388 0.0% 0.96 3.23 4,481
Kopernik Bank Baltimore 49.8 16.26 0 16.25 67,959 -0.2% 56,779 1.0% 0.60 3.29 402
Severn Savings Bank, FSB Annapolis SVBI 27.1 15.03 0 15.01 761,831 -2.1% 530,111 0.0% 0.79 3.21 6,079
Fraternity Federal Savings and Loan Association Baltimore FRTR 8.7 14.53 0 14.59 160,939 -1.9% 116,389 0.0% -0.30 2.63 -487
Midstate Community Bank Baltimore 25.0 14.08 0 13.97 168,443 -4.4% 144,519 0.0% 0.18 2.93 310
Hopkins Federal Savings Bank Baltimore 13.4 13.85 0 15.00 229,124 -10.7% 193,674 0.0% 0.32 2.04 731
Bay Bank, FSB Columbia BYBK 14.4 13.74 0 14.23 463,416 -4.9% 365,975 4.4% 0.40 4.62 1,933
First Shore Federal Savings and Loan Association Salisbury 11.5 13.73 0 13.87 305,257 1.2% 252,626 0.0% 0.47 3.33 1,410
Jarrettsville Federal Savings and Loan Association Jarrettsville 15.4 13.71 0 13.53 117,149 1.9% 90,967 0.0% 0.09 2.93 102
Arundel Federal Savings Bank Glen Burnie 4.4 13.61 0 13.66 456,264 -2.7% 391,661 0.0% 0.30 2.45 1,398
North Arundel Savings Bank Pasadena 31.5 12.01 0 11.94 43,619 1.2% 38,355 0.0% 0.43 3.86 188
Bay-Vanguard FSB (MHC) Sparrows Point BVFL 27.1 11.90 0 12.07 169,344 -0.7% 143,027 0.0% 0.33 4.08 557
Queenstown Bank of Maryland Queenstown 21.2 11.90 0 11.67 455,063 4.1% 399,342 0.1% 1.16 4.18 5,173
Hamilton Bank Towson HBK 16.7 11.78 0 11.68 387,061 35.8% 316,859 1.1% 0.28 3.06 929
Chesapeake Bank of Maryland Baltimore 11.6 11.64 0 12.40 172,525 0.0% 150,100 0.0% 0.33 3.51 571
Community Bank of the Chesapeake Waldorf TCFC 23.9 11.52 0 11.31 1,174,223 8.0% 950,200 15.7% 0.75 3.65 8,326
Farmers Bank of Willards Willards 47.7 11.38 0 11.29 316,534 4.2% 249,424 0.0% 0.75 4.43 2,328
1880 Bank Cambridge DLMV 37.1 11.35 0 11.25 314,601 61.9% 269,176 0.0% 0.77 3.63 2,212
County First Bank La Plata CUMD 37.8 10.85 0 10.83 226,001 3.8% 198,412 3.3% 0.54 3.48 1,195
EagleBank Bethesda EGBN 3.8 10.85 0 10.70 6,118,988 11.7% 5,258,119 22.5% 1.56 4.42 90,463
First United Bank & Trust Oakland FUNC 22.6 10.84 0 9.56 1,305,913 -2.1% 1,019,868 7.6% 1.01 3.20 13,219
Farmers and Merchants Bank Upperco FMFG 9.6 10.82 0 10.76 347,765 6.2% 276,198 3.1% 1.27 4.39 4,276
Harford Bank Aberdeen HFBK 27.3 10.80 0 10.68 320,608 6.4% 256,724 2.2% 0.63 3.63 1,973
CFG Community Bank Baltimore 1.5 10.53 0 12.64 616,676 -20.4% 518,485 1.4% 2.76 5.10 18,201
Carroll Community Bank Sykesville CROL 2.7 10.27 0 10.19 155,089 29.0% 121,170 14.0% 0.20 3.61 278
Frederick County Bank Frederick FCBI 18.9 10.27 0 10.01 361,746 3.3% 309,404 5.5% 0.57 3.63 2,000
Talbot Bank of Easton, Maryland Easton SHBI 25.5 10.24 0 11.40 615,415 4.2% 538,794 2.9% 0.66 3.27 3,982
Maryland Financial Bank Towson 31.5 10.13 0 7.32 56,010 -1.4% 36,465 4.6% -0.34 3.14 -189
Peoples Bank Chestertown PEBC 38.3 10.11 0 10.06 237,154 3.5% 199,814 0.0% 0.53 3.17 1,238
Middletown Valley Bank Middletown 13.2 10.09 0 9.62 260,414 40.7% 229,144 1.9% 0.11 3.49 240
CNB Centreville SHBI 15.0 10.09 0 10.08 492,543 2.3% 435,451 1.0% 0.77 3.69 3,750
Revere Bank Laurel 2.0 10.06 0 7.87 1,173,450 63.7% 991,988 12.2% 0.77 3.87 6,207
Colombo Bank Rockville IFSB 15.2 10.03 0 10.11 199,619 -2.0% 143,854 20.4% 0.17 3.41 339
Bank of Ocean City Ocean City 2.4 9.96 0 9.98 286,921 15.0% 257,026 10.8% 0.80 3.18 2,251
Congressional Bank Bethesda 13.3 9.87 0 9.68 793,668 74.1% 690,634 4.2% 0.73 4.64 4,050
Presidential Bank, FSB Bethesda 41.6 9.76 0 9.23 564,150 -0.2% 501,294 0.0% 0.91 3.95 4,951
Columbia Bank Columbia FULT 9.0 9.60 0 9.52 2,151,306 1.0% 1,715,513 0.3% 0.90 3.27 19,045
Maryland Banks, Texas Ratio <75%
Page 34
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Maryland Banks, Texas Ratio <75%
First Mariner Bank Baltimore 21.1 9.53 0 5.53 932,558 12.4% 784,880 0.0% -0.63 3.51 -5,518
New Windsor State Bank Taneytown NWID 6.7 9.44 0 9.56 292,782 2.4% 252,827 0.0% 0.67 3.91 1,953
Bank of Delmarva Salisbury DBCP 32.8 9.44 0 9.19 502,034 9.5% 421,816 7.4% 0.84 3.90 4,027
Capital Bank, National Association Rockville 10.2 9.31 0 9.10 770,610 16.1% 662,794 13.6% 1.17 5.22 8,158
Monument Bank Rockville 12.6 9.07 0 7.85 513,820 10.9% 405,076 10.3% 0.65 3.86 3,205
Sandy Spring Bank Olney SASR 8.0 9.02 0 9.02 4,710,656 7.1% 3,427,236 0.0% 1.00 3.38 45,698
Howard Bank Ellicott City HBMD 14.9 8.99 0 8.39 990,326 39.4% 815,769 7.5% 0.21 4.05 1,781
Chesapeake Bank & Trust Company Chestertown CPKB 26.5 8.78 0 8.64 112,118 15.9% 77,060 0.0% 1.25 3.38 1,294
Bank of Glen Burnie Glen Burnie GLBZ 8.9 8.75 0 8.74 392,993 -1.8% 337,716 0.0% 0.33 3.10 1,309
Old Line Bank Bowie OLBK 8.5 8.62 0 8.89 1,515,859 19.6% 1,233,933 11.9% 0.78 3.85 10,818
Hebron Savings Bank Hebron 74.7 8.44 0 8.43 561,634 3.5% 462,545 0.0% 0.62 3.76 3,464
Damascus Community Bank Damascus DMAS 16.5 8.31 0 8.35 300,486 3.7% 269,086 2.2% 0.29 3.42 840
Woodsboro Bank Woodsboro 15.1 8.30 0 8.88 236,979 1.8% 204,917 0.0% 0.29 3.52 682
Provident State Bank, Inc. Preston PSBP 25.7 8.14 0 8.03 326,717 11.8% 269,476 4.5% 0.34 3.79 1,048
Harbor Bank of Maryland Baltimore HRBK 39.7 7.91 233 9.48 266,014 15.1% 233,448 0.0% -0.33 3.72 -829
Glen Burnie Mutual Savings Bank Glen Burnie 14.7 7.88 105 7.89 87,499 3.6% 80,495 0.0% 0.18 0.97 158
Page 35
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Cecil Bank Elkton CECB 542.8 2.09 15,678 2.33 253,189 -20.9% 192,724 0.0% -1.98 2.88 -5,672
Eastern Savings Bank, FSB Hunt Valley 205.4 17.16 0 17.39 349,318 -11.1% 254,800 0.4% 1.40 6.46 5,177
Maryland Banks, Texas Ratio >75%
Page 36
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
First Federal Savings and Loan Association Aberdeen 0.6 22.10 0 21.89 30,428 0.5% 23,721 0.0% 0.34 2.74 103
Jefferson Bank Greenville 0.7 17.93 0 17.63 100,957 -1.4% 82,467 12.5% 1.29 4.76 1,417
Grand Bank for Savings, FSB Hattiesburg 54.7 15.82 0 14.74 86,298 -4.3% 72,364 10.1% 0.95 6.79 842
Bank of Wiggins Wiggins 10.8 14.89 0 14.88 189,749 -1.1% 160,526 0.0% 0.87 4.01 1,625
Bank of Walnut Grove Walnut Grove 0.3 14.54 0 14.37 57,549 2.8% 49,039 0.0% 0.98 4.14 555
Bank of Holly Springs Holly Springs 16.9 13.97 0 14.45 212,975 -1.8% 179,004 0.0% 1.63 5.06 3,458
Bank of Forest Forest 9.0 13.88 0 13.69 159,478 7.7% 136,199 0.0% 0.94 4.03 1,408
Richton Bank & Trust Company Richton 5.4 13.77 0 15.27 60,169 -7.1% 50,682 0.0% 0.90 3.89 554
Peoples Bank & Trust Company North Carrollton 0.0 13.58 0 13.43 70,693 4.6% 61,014 0.0% 0.94 2.68 631
Pike National Bank McComb 22.8 13.45 0 13.13 228,835 8.9% 178,260 0.0% 0.97 4.43 2,073
Bank of Morton Morton 16.4 13.40 0 13.36 66,278 1.7% 53,411 0.0% 2.79 5.53 1,794
First National Bank of Picayune Picayune 22.8 13.30 0 13.63 206,986 2.0% 178,453 0.0% 2.33 4.44 4,786
First Choice Bank Pontotoc 5.1 13.23 0 12.77 282,369 1.7% 243,285 0.0% 0.71 3.75 1,915
Farmers and Merchants Bank Baldwyn 11.5 12.90 0 13.33 304,747 3.4% 258,889 0.0% 1.07 4.80 3,183
Peoples Bank, Biloxi, Mississippi Biloxi PFBX 27.4 12.73 0 12.87 696,915 -3.4% 581,255 0.9% -0.45 3.15 -3,066
BNA Bank New Albany 17.5 12.43 0 12.25 462,753 5.6% 394,841 0.0% 1.34 3.69 5,898
FNB Oxford Oxford 2.5 12.37 0 12.58 272,645 6.8% 230,904 0.0% 0.85 3.71 2,222
Holmes County Bank & Trust Company Lexington 41.8 12.12 0 12.28 114,366 -2.3% 98,222 0.0% 0.58 2.91 654
Commerce Bank Corinth 2.4 11.91 0 12.31 103,214 5.7% 90,227 0.0% 1.80 4.23 1,798
First Commercial Bank Jackson 5.4 11.81 0 11.23 391,771 31.7% 323,857 20.7% 0.75 3.58 2,779
First National Bank of Clarksdale Clarksdale 3.9 11.79 0 11.62 361,630 -1.8% 297,653 0.0% 1.22 3.78 4,384
Guaranty Bank and Trust Company Belzoni 20.1 11.72 0 11.36 659,647 2.5% 577,460 0.0% 1.59 4.19 9,980
OmniBank Bay Springs 35.3 11.63 0 11.74 46,781 -2.6% 41,098 0.0% 0.40 4.21 188
Amory Federal Savings and Loan Association Amory 13.2 11.49 0 11.56 89,794 -5.3% 79,269 0.0% 0.39 3.13 361
First State Bank Waynesboro 1.3 11.41 0 11.66 778,266 0.1% 618,963 0.0% 1.18 3.83 9,094
Bank of Benoit Benoit 8.3 11.38 0 11.54 16,701 -14.3% 14,721 0.0% 0.30 3.96 53
Bank of Anguilla Anguilla 13.7 11.34 0 10.84 131,356 -1.9% 110,108 0.0% 0.66 4.57 864
Charter Bank Biloxi 42.6 11.32 0 11.71 125,535 7.7% 101,078 3.5% 0.11 4.71 129
Citizens Bank Byhalia 2.9 11.14 0 11.51 73,355 1.4% 64,583 0.0% 0.51 3.59 374
Century Bank Lucedale 7.7 11.13 0 11.17 265,873 3.3% 221,857 0.0% 1.04 4.91 2,729
Merchants & Marine Bank Pascagoula MMPM 8.5 11.03 0 10.41 613,910 -0.7% 505,645 1.6% 0.85 3.29 4,917
Citizens National Bank of Meridian Meridian 11.0 10.78 0 11.50 1,220,099 6.7% 1,055,329 0.6% 1.42 3.63 16,578
First Security Bank Batesville 13.1 10.77 0 10.69 561,310 5.6% 484,559 1.1% 0.93 4.05 4,889
Merchants & Farmers Bank Holly Springs 25.3 10.64 0 10.71 98,651 4.6% 86,744 0.0% 0.66 3.45 624
First American National Bank Iuka 9.6 10.60 0 10.33 261,371 -2.1% 228,782 0.0% 0.36 3.64 942
Bank of Brookhaven Brookhaven 3.4 10.58 0 11.01 160,065 5.1% 139,519 0.0% 0.91 3.99 1,387
Bank of Okolona Okolona 12.9 10.44 0 11.13 168,919 9.0% 145,294 0.0% 2.14 5.34 3,362
Copiah Bank, National Association Hazlehurst 30.5 10.38 0 10.53 175,687 4.5% 156,158 0.0% 0.66 4.64 1,130
PriorityOne Bank Magee 10.9 10.30 0 10.29 615,316 5.1% 502,523 0.2% 1.70 4.18 10,084
Citizens Bank Columbia 16.0 10.29 0 9.74 394,826 -0.8% 345,414 0.0% 1.49 4.56 5,933
Bank of Yazoo City Yazoo City 2.5 10.28 0 9.95 249,257 4.2% 222,135 0.0% 0.83 3.54 2,008
Mechanics Bank Water Valley 39.7 10.23 0 10.23 220,214 0.5% 195,995 1.2% 0.58 4.00 1,252
Cleveland State Bank Cleveland 3.6 10.18 0 9.49 227,676 4.5% 199,895 0.0% 0.77 4.06 1,658
Oxford University Bank Oxford 7.2 10.03 0 10.06 123,384 3.4% 107,821 5.2% 0.71 3.87 860
Mississippi Banks, Texas Ratio <75%
Page 37
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Mississippi Banks, Texas Ratio <75%
Peoples Bank Ripley 0.2 9.98 0 10.01 396,756 8.1% 343,516 0.0% 1.31 3.21 5,032
Commercial Bank De Kalb 14.5 9.88 0 9.81 138,636 5.2% 123,548 0.2% 0.43 4.53 564
Trustmark National Bank Jackson TRMK 12.9 9.80 0 9.38 12,774,031 4.9% 9,648,956 0.4% 0.94 3.65 116,210
Magnolia State Bank Bay Springs 8.4 9.71 0 9.57 316,281 -1.9% 284,260 0.2% 0.95 4.21 2,970
United Mississippi Bank Natchez 14.5 9.71 0 9.71 351,945 -2.2% 313,193 0.6% 1.11 4.30 3,890
BancorpSouth Bank Tupelo BXS 6.8 9.71 0 9.31 13,913,587 2.1% 11,511,182 0.0% 0.90 3.59 122,948
First Southern Bank Columbia 18.8 9.71 0 9.89 194,836 -0.6% 174,419 0.0% 0.78 4.21 1,492
Bank of Winona Winona 11.7 9.68 0 11.02 116,369 0.0% 100,002 0.0% 0.72 3.80 825
Tallahatchie County Bank Charleston 13.6 9.55 0 9.47 62,166 -2.5% 56,210 0.0% 0.34 3.33 204
Sycamore Bank Senatobia 20.1 9.55 0 9.13 221,136 7.1% 199,387 0.4% 0.83 4.11 1,689
Bank of Commerce Greenwood 6.0 9.50 0 9.66 343,871 -2.5% 281,892 0.0% 1.36 4.09 4,620
First State Bank Holly Springs 38.2 9.44 0 9.48 117,727 -2.2% 106,109 0.0% 0.72 3.81 812
Great Southern Bank Meridian 3.4 9.38 0 9.40 290,269 0.7% 261,838 0.0% 0.79 4.65 2,226
First Bank McComb 4.7 9.36 0 8.80 480,751 17.3% 435,947 3.9% 1.12 3.15 4,747
Planters Bank & Trust Company Indianola 16.0 9.30 0 8.94 1,054,084 23.3% 941,173 0.1% 1.06 3.41 9,158
RiverHills Bank Port Gibson 15.1 9.27 0 8.89 316,005 2.4% 256,402 0.0% 1.27 3.17 3,813
BankPlus Belzoni 28.1 9.22 0 8.95 2,734,298 5.1% 2,210,828 0.0% 0.83 3.66 21,480
Community Bank, North Mississippi Amory 18.1 9.22 0 9.08 539,453 10.3% 478,849 0.0% 0.29 3.23 1,462
Bank of Franklin Meadville 18.6 9.17 0 9.97 134,479 1.8% 120,407 0.0% 0.79 4.39 1,061
Peoples Bank Mendenhall 37.2 9.11 0 9.12 271,143 8.3% 237,517 4.9% 1.88 5.78 4,755
Citizens Bank of Philadelphia, Mississippi Philadelphia CIZN 19.0 8.98 0 8.26 1,001,843 5.9% 792,610 0.0% 0.80 3.29 7,709
Covington County Bank Collins 7.8 8.97 0 10.07 69,329 5.4% 61,780 0.0% 0.60 3.80 413
Bank of Kilmichael Kilmichael 16.7 8.88 0 9.39 156,154 12.4% 139,188 0.0% 1.46 4.35 2,132
Renasant Bank Tupelo RNST 13.8 8.86 0 8.41 8,123,037 38.5% 6,437,733 2.7% 1.06 4.25 78,115
State Bank & Trust Company Ridgeland 9.7 8.77 0 8.73 1,001,112 1.7% 836,427 3.8% 0.68 4.02 6,724
BankFirst Financial Services Columbus 19.8 8.75 0 8.63 914,562 23.5% 820,945 5.8% 0.76 3.80 6,374
Whitney Bank Gulfport HBHC 15.7 8.68 0 8.21 22,711,951 10.2% 18,709,067 3.9% 0.49 3.32 107,149
First Federal Savings and Loan Association of Pascagoula-Moss Point Pascagoula 11.7 8.67 0 8.69 289,356 0.3% 182,489 0.0% 0.35 3.27 994
Community Bank Ellisville 21.6 8.34 0 8.13 713,843 3.5% 639,386 0.0% 1.14 3.82 7,758
First, A National Banking Association Hattiesburg FBMS 13.2 8.34 0 8.24 1,241,393 8.4% 1,035,529 2.9% 0.90 3.78 10,245
Community Bank of Mississippi Forest 18.8 8.31 0 8.12 755,939 7.4% 682,179 0.1% 0.99 4.83 7,116
Merchants and Planters Bank Raymond 8.6 8.17 0 8.78 91,677 -1.5% 83,466 0.2% 0.25 2.67 224
Community Bank, Coast Biloxi 27.2 8.15 0 8.02 769,897 4.9% 688,207 8.6% 0.62 3.71 4,599
Metropolitan Bank Ridgeland 5.2 7.97 344 7.51 1,093,014 9.2% 918,897 32.0% 0.65 3.10 6,398
Citizens Bank & Trust Company Marks 24.6 7.85 202 9.43 136,782 1.9% 103,317 0.0% 0.55 4.05 752
Page 38
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
None
Mississippi Banks, Texas Ratio >75%
Page 39
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Morganton Savings Bank, S.S.B. Morganton 17.1 32.00 0 30.62 78,215 -1.4% 51,916 0.0% 0.06 3.60 51
Roanoke Valley Savings Bank, SSB Roanoke Rapids 8.1 25.77 0 25.96 37,171 -3.7% 26,760 0.0% 0.17 2.10 65
Piedmont Federal Savings Bank Winston-Salem 0.3 25.06 0 25.05 896,761 -2.0% 666,199 0.0% 0.30 2.56 2,764
First Savings and Loan Association Mebane 0.2 23.18 0 23.17 51,151 -8.7% 38,793 0.0% 0.46 3.81 246
Wake Forest Federal Savings and Loan Association (MHC) Wake Forest WAKE 3.3 21.57 0 21.51 105,419 -3.1% 81,337 0.0% 0.79 3.01 845
Roxboro Savings Bank, SSB Roxboro 14.2 18.67 0 18.84 216,128 1.3% 151,073 0.0% 1.02 3.25 2,174
Jackson Savings Bank, SSB Sylva 9.1 18.54 0 18.60 34,814 4.1% 28,216 0.0% 0.09 3.02 30
Belmont Federal Savings and Loan Association Belmont 8.0 18.50 0 18.52 94,806 -1.2% 76,910 0.0% 0.51 3.37 489
Roanoke Rapids Savings Bank, SSB Roanoke Rapids 4.9 17.02 0 17.43 51,280 -6.4% 40,047 1.6% 0.28 3.65 151
Hertford Savings Bank, SSB Hertford 18.4 15.69 0 15.57 12,810 -5.5% 10,811 0.0% 0.05 3.94 7
First Federal Savings Bank of Lincolnton Lincolnton 11.6 14.86 0 14.64 351,959 -0.7% 298,755 4.1% 0.93 3.49 3,248
First Capital Bank Laurinburg FCPB 33.8 14.80 0 15.09 52,182 0.3% 44,106 9.1% 0.64 5.62 335
Tarboro Savings Bank, SSB Tarboro 1.3 14.73 0 14.64 43,366 -0.7% 36,890 0.0% 0.77 3.71 339
Surrey Bank & Trust Mount Airy SRYB 9.6 14.54 0 14.71 260,504 1.9% 216,974 2.3% 1.21 4.19 3,169
BlueHarbor Bank Mooresville BLHK 5.0 14.43 0 14.34 159,589 15.6% 134,081 11.0% 0.68 4.07 1,026
Yadkin Bank Statesville YDKN 8.8 13.25 0 9.89 7,419,334 74.1% 5,356,965 14.4% 0.99 4.30 45,616
Black Mountain Savings Bank, SSB Black Mountain 2.3 13.00 0 12.89 36,971 0.8% 31,610 0.0% 0.28 3.08 103
First Federal Bank Dunn 11.1 12.26 0 11.99 166,697 3.9% 145,240 1.1% 0.18 3.37 288
Mechanics and Farmers Bank Durham MFBP 73.1 12.04 0 11.71 304,346 2.3% 263,051 35.5% 0.21 3.50 636
Select Bank & Trust Company Dunn SLCT 10.1 11.93 0 12.02 829,822 11.0% 668,013 6.0% 0.89 4.29 7,001
Entegra Bank Franklin ENFC 17.2 11.74 0 12.40 1,054,516 14.8% 737,163 0.4% 2.34 3.20 22,932
Asheville Savings Bank, SSB Asheville ASBB 13.3 11.62 0 11.03 782,460 1.4% 631,672 2.6% 0.56 3.11 4,428
High Point Bank and Trust Company High Point HPTB 8.2 11.19 0 11.37 852,148 2.7% 701,432 2.6% 0.62 3.38 5,112
Capital Bank Corporation Raleigh CBF 8.8 11.10 0 11.45 7,482,864 7.3% 6,028,409 9.5% 0.83 3.85 59,738
Farmers & Merchants Bank Salisbury 31.8 11.07 0 10.80 562,203 5.4% 496,715 0.0% 0.55 3.77 2,987
Peoples Bank Newton PEBK 6.5 10.94 0 11.33 1,068,148 2.0% 858,309 0.8% 0.99 4.03 10,279
Union Bank & Trust Company Oxford 12.9 10.80 0 8.23 283,692 11.8% 234,883 14.5% 0.50 4.91 1,308
Lumbee Guaranty Bank Pembroke 27.7 10.70 0 10.27 324,505 4.7% 282,411 1.6% 0.68 4.24 2,117
Park Sterling Bank Charlotte PSTB 4.0 10.62 0 10.47 3,145,141 31.7% 2,504,805 6.6% 0.74 3.79 19,327
Four Oaks Bank & Trust Company Four Oaks FOFN 8.1 10.52 0 11.58 720,337 -6.1% 563,926 7.3% 2.82 3.63 20,084
Providence Bank Rocky Mount 6.8 10.50 0 10.36 258,099 11.3% 222,205 22.7% 0.96 3.74 2,347
NewDominion Bank Charlotte 26.5 10.46 0 3.86 312,446 5.9% 261,453 0.0% -1.19 3.33 -3,557
First Bank Southern Pines FBNC 21.2 10.33 0 9.75 3,381,924 5.1% 2,831,393 2.5% 0.89 4.12 28,992
HomeTrust Bank Asheville HTBI 17.0 10.32 0 11.11 2,741,446 6.1% 1,850,092 0.8% 0.40 3.35 10,842
Lifestore Bank (MHC) West Jefferson LSFG 23.6 10.29 0 10.48 265,383 3.8% 194,087 0.5% 0.56 3.42 1,441
New Republic Savings Bank Roanoke Rapids 23.2 10.27 0 10.50 62,224 6.2% 47,630 12.5% 0.86 4.96 511
Uwharrie Bank Albemarle UWHR 17.1 10.23 0 8.26 516,307 0.6% 457,059 0.0% 0.51 3.64 2,660
Bank of Oak Ridge Oak Ridge BKOR 8.5 10.07 0 10.37 364,192 1.2% 321,922 10.2% 0.83 3.94 2,944
Great State Bank Wilkesboro GSTB 2.0 9.99 0 10.03 110,791 12.9% 98,859 2.5% 0.41 3.39 426
Little Bank Kinston LTLB 3.9 9.85 0 9.89 360,404 3.8% 297,742 7.6% 0.90 3.50 3,180
Carolina Bank Greensboro CLBH 26.8 9.74 0 9.84 705,469 -0.8% 604,475 3.6% 0.80 3.72 5,540
Bank of North Carolina High Point BNCN 10.5 9.72 0 9.67 5,698,749 36.6% 4,785,824 25.8% 1.09 4.21 55,451
Fidelity Bank Fuquay-Varina 3.9 9.69 0 9.34 1,752,564 5.6% 1,553,886 0.0% 0.51 2.92 8,628
North Carolina Banks, Texas Ratio <75%
Page 40
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
North Carolina Banks, Texas Ratio <75%
CommunityOne Bank, National Association Asheboro COB 18.6 9.62 0 13.93 2,380,845 6.9% 1,955,915 2.9% 0.53 3.41 12,328
Taylorsville Savings Bank, SSB Taylorsville 33.1 9.59 0 9.33 99,720 3.8% 88,110 0.0% 1.76 3.69 1,743
KS Bank, Inc. Smithfield KSBI 16.1 9.57 0 9.71 345,458 6.2% 273,587 10.4% 0.53 3.58 1,737
Bank of America, National Association Charlotte BAC 13.1 9.50 0 9.38 1,653,947,000 3.4% 1,297,680,000 3.1% 1.15 2.82 18,599,000
Cornerstone Bank Wilson CBFA 36.3 9.43 0 9.41 107,084 -2.1% 90,794 0.0% 0.75 3.32 806
Branch Banking and Trust Company Winston-Salem BBT 8.7 9.40 0 8.66 206,874,891 12.2% 158,050,500 2.0% 1.07 3.17 2,115,595
Coastal Bank & Trust Jacksonville 8.0 9.30 0 8.81 87,523 18.9% 79,679 0.0% 0.44 4.05 342
Paragon Commercial Bank Raleigh PBNC 4.6 9.27 0 9.03 1,342,283 5.6% 1,049,098 16.5% 0.96 3.56 12,523
Sound Banking Company Morehead City SNBN 11.9 8.99 0 9.04 173,697 12.8% 156,494 6.3% 0.68 4.29 1,130
Aquesta Bank Cornelius AQFH 12.4 8.95 0 7.36 310,753 18.1% 218,451 1.8% 0.71 3.95 1,948
First-Citizens Bank & Trust Company Raleigh FCNCA 10.1 8.84 0 8.55 32,048,417 4.6% 27,442,344 0.1% 0.65 3.23 202,426
Live Oak Banking Company Wilmington LOB 6.4 8.84 0 7.82 1,206,640 77.8% 1,064,316 20.4% 2.29 3.56 21,744
Southern Bank and Trust Company Mount Olive SBNC 6.1 8.80 0 8.70 2,414,243 10.4% 2,073,950 0.0% 0.40 3.73 8,893
First South Bank Washington FSBK 9.9 8.74 0 9.40 939,009 6.8% 819,359 3.1% 0.64 3.85 5,840
Carolina Premier Bank Charlotte PARA 17.4 8.74 0 9.12 249,125 0.3% 209,899 11.9% -0.11 3.84 -271
First Carolina Bank Rocky Mount 7.8 8.58 0 9.88 162,511 40.9% 144,252 0.0% 2.37 3.29 3,382
North State Bank Raleigh 6.5 8.28 0 8.14 796,847 8.5% 728,437 5.3% 0.58 3.62 4,415
Carolina Trust Bank Lincolnton CART 18.5 8.27 0 7.60 372,746 22.0% 320,689 11.6% 0.39 4.18 1,300
Alliance Bank & Trust Company Gastonia ABTO 59.1 7.03 1,375 6.88 143,492 -7.5% 115,285 0.0% -1.00 3.42 -1,497
Page 41
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Nantahala Bank & Trust Company Franklin 249.4 5.49 3,681 3.80 147,461 -1.0% 124,891 0.0% 0.17 3.35 254
North Carolina Banks, Texas Ratio >75%
Page 42
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Mutual Savings Bank Hartsville 1.8 35.61 0 35.76 38,424 2.3% 24,588 0.0% -0.30 3.14 -114
Woodruff Federal Savings and Loan Association Woodruff 8.3 35.36 0 35.73 86,814 -2.1% 54,009 0.0% 0.77 2.99 676
Spratt Savings and Loan Association Chester 0.3 26.71 0 26.53 104,967 -1.9% 76,918 0.0% 0.18 2.32 195
First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 2.2 24.13 0 26.87 351,351 4.1% 254,816 0.0% 1.08 4.40 3,699
Citizens Building and Loan, SSB Greer 10.7 21.58 0 21.07 124,315 2.4% 87,762 0.0% 0.75 3.64 899
Pee Dee Federal Savings Bank Marion 13.1 18.58 0 18.38 38,490 2.8% 31,372 0.0% -0.44 3.07 -167
Kingstree Federal Savings and Loan Association Kingstree 18.5 15.14 0 15.56 33,679 0.2% 28,369 0.0% 0.40 2.91 135
Oconee Federal Savings and Loan Association (MHC) Seneca OFED 6.8 15.12 0 15.17 482,703 -0.2% 404,366 0.0% 1.12 3.88 5,344
Palmetto State Bank Hampton 11.7 14.56 0 14.70 528,224 5.5% 433,923 0.0% 1.44 3.62 7,348
Commercial Bank Honea Path 6.9 13.80 0 14.29 176,741 6.8% 150,867 0.0% 1.17 3.25 2,007
Bank of Clarendon Manning 5.7 13.53 0 13.56 251,036 9.2% 210,317 0.0% 0.96 3.73 2,252
First National Bank of South Carolina Holly Hill 20.8 13.30 0 13.14 181,274 5.6% 154,635 0.0% 0.38 3.36 669
Cornerstone National Bank Easley CTOT 24.3 12.95 0 13.11 146,494 1.7% 125,946 0.0% 1.02 3.50 1,458
GrandSouth Bank Greenville GRRB 14.5 12.94 0 13.11 435,699 8.6% 375,153 8.3% 1.41 6.80 5,924
Farmers and Merchants Bank of South Carolina Holly Hill 10.6 12.88 0 15.13 289,123 2.5% 243,914 0.0% 0.60 3.13 1,764
First Palmetto Bank Camden 23.8 12.70 0 12.69 620,680 9.2% 509,772 0.0% 0.73 3.26 4,252
Bank of York York 5.3 12.37 0 11.93 218,001 10.2% 183,067 0.0% 0.42 3.10 864
SouthCoast Community Bank Mount Pleasant SOCB 6.0 11.85 0 11.75 473,306 -2.6% 342,277 0.0% 0.98 3.68 4,666
Carolina Bank & Trust Company Darlington 36.4 11.43 0 11.54 423,940 5.4% 370,510 0.0% 0.77 4.46 3,137
Home Federal Savings and Loan Association Bamberg 6.3 11.42 0 11.37 41,977 0.1% 36,391 0.0% 0.56 4.11 233
First Reliance Bank Florence FSRL 16.9 11.36 0 12.76 378,501 0.9% 311,698 4.0% 2.26 4.59 8,457
Congaree State Bank Cayce CNRB 15.3 11.29 0 12.79 104,905 -6.1% 88,872 0.0% 0.25 4.18 279
Security Federal Bank Aiken SFDL 14.6 11.03 0 11.52 810,730 -1.5% 671,638 6.8% 0.84 3.37 6,721
Abbeville First Bank Abbeville 18.7 10.91 0 11.16 71,898 7.0% 52,544 0.0% 0.98 3.85 681
Dedicated Community Bank Darlington 16.2 10.72 0 10.37 55,214 12.0% 49,479 0.0% 0.31 4.23 154
Greer State Bank Greer GRBS 14.4 10.58 0 11.05 385,147 5.9% 292,548 0.0% 0.90 3.18 3,332
Pickens Savings and Loan Association, FA Pickens 5.6 10.55 0 10.86 91,505 -1.5% 72,704 0.0% 0.49 3.56 451
Bank of Walterboro Walterboro 39.5 10.48 0 10.15 197,069 12.3% 176,797 0.0% 0.62 3.21 1,129
Carolina Alliance Bank Spartanburg CRLN 10.1 10.30 0 9.99 630,275 46.6% 524,166 17.5% 0.44 3.90 2,304
Bank of Greeleyville Greeleyville 18.2 10.29 0 11.00 81,625 0.2% 70,473 0.0% 0.99 4.90 825
Blue Ridge Bank Walhalla 25.6 10.28 0 10.10 108,465 2.9% 95,855 0.0% 0.74 4.22 796
Independence National Bank Greenville IEBS 27.3 10.27 0 10.71 92,365 -4.3% 82,194 0.0% -0.86 3.64 -839
CresCom Bank Charleston CARO 4.0 10.11 0 9.76 1,452,719 13.9% 1,143,272 9.1% 1.18 3.70 15,926
Palmetto Heritage Bank & Trust Pawleys Island 29.7 10.07 0 9.74 149,965 2.3% 116,590 4.5% 0.64 3.79 934
Sandhills Bank North Myrtle Beach 10.1 10.05 0 11.68 139,096 36.0% 119,945 5.0% 0.01 3.63 8
Clover Community Bank Clover 14.2 9.88 0 10.67 125,398 2.9% 111,079 0.0% 1.00 4.10 1,268
Peoples Bank Iva 41.5 9.84 0 10.65 293,684 5.9% 245,207 3.9% 1.03 3.68 2,970
Heritage Community Bank Hartsville RGBC 12.0 9.83 0 9.83 110,187 7.7% 93,439 10.8% 0.39 4.46 414
Citizens Bank Olanta 9.2 9.81 0 9.55 409,785 3.5% 358,175 0.0% 0.70 3.89 2,791
First Community Bank Lexington FCCO 10.1 9.81 0 9.96 867,436 4.1% 724,207 0.1% 0.82 3.41 6,915
Bank of South Carolina Charleston BKSC 8.2 9.79 0 9.92 403,617 7.1% 362,527 0.0% 1.32 4.32 5,071
Conway National Bank Conway CNBW 11.3 9.73 0 9.84 1,038,874 4.6% 852,942 0.0% 0.78 3.04 8,108
Bank of Travelers Rest Travelers Rest 9.1 9.51 0 9.49 620,280 12.4% 546,168 0.0% 1.11 3.74 6,315
Anderson Brothers Bank Mullins 16.3 9.45 0 9.33 539,949 6.7% 485,086 0.0% 1.16 7.56 5,998
South Carolina Banks, Texas Ratio <75%
Page 43
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
South Carolina Banks, Texas Ratio <75%
South State Bank Columbia SSB 7.6 9.14 0 8.78 8,675,037 8.1% 7,182,160 1.0% 1.27 4.48 106,082
Atlantic Community Bank Bluffton ATBA 15.2 9.06 0 11.96 82,514 4.8% 71,210 12.3% 1.98 3.90 1,627
Coastal Carolina National Bank Myrtle Beach 6.4 9.03 0 9.55 176,374 16.6% 158,851 0.0% 1.25 3.65 2,052
Southern First Bank Greenville SFST 12.9 8.95 0 8.76 1,236,608 15.5% 1,006,705 5.2% 1.05 3.70 12,187
Community First Bank Walhalla CFOK 24.0 8.77 0 9.67 321,465 -7.0% 286,660 0.0% 0.14 3.03 492
VistaBank Aiken 11.3 8.45 0 10.98 110,146 3.8% 92,392 0.0% 2.48 3.43 2,759
Arthur State Bank Union 53.0 8.25 0 8.76 463,222 -12.6% 406,542 0.0% 1.00 3.45 4,862
First Federal of South Carolina, FSB (MHC) Walterboro FSGB 23.5 8.20 0 6.40 72,346 1.4% 64,981 0.0% 0.64 3.77 466
South Atlantic Bank Myrtle Beach SABK 8.7 8.04 0 7.76 417,354 17.2% 366,141 4.3% 0.59 3.98 2,282
Countybank Greenwood 20.6 8.01 0 7.56 358,194 3.2% 285,513 1.5% 1.07 3.53 3,707
CoastalStates Bank Hilton Head Island 37.9 6.64 5,584 8.48 423,586 6.6% 341,256 0.0% 0.46 4.31 1,885
Page 44
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Horry County State Bank Loris HCFB 277.2 3.26 17,103 3.01 365,928 -13.9% 335,578 0.0% 0.07 3.12 268
Enterprise Bank of South Carolina Ehrhardt 116.5 4.01 12,506 4.02 313,424 1.0% 299,821 0.0% 0.20 3.00 621
First South Bank Spartanburg FSBS 212.5 4.13 9,434 4.22 244,431 -3.4% 218,024 0.0% -0.20 3.09 -490
Tidelands Bank Mount Pleasant TDBK 95.7 5.48 11,664 5.37 463,717 -2.6% 413,292 0.0% -0.30 2.98 -1,422
South Carolina Community Bank Columbia 237.3 8.94 0 9.01 53,066 -8.2% 48,061 0.0% -2.16 3.47 -1,190
South Carolina Banks, Texas Ratio >75%
Page 45
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Elizabethton Federal Savings Bank Elizabethton 4.9 34.64 0 34.77 313,863 -3.0% 198,106 0.0% 0.81 2.79 2,590
Lawrenceburg Federal Bank Lawrenceburg 10.1 23.57 0 23.67 56,999 -0.8% 41,790 0.0% 0.75 3.97 429
Security Federal Bank Elizabethton SFBK 9.0 21.88 0 21.98 63,339 8.7% 45,411 0.0% 1.23 4.43 744
Highland Federal Savings & Loan Association Crossville 1.6 21.31 0 21.46 63,910 1.6% 49,394 0.0% 0.09 3.00 57
Bank of Gleason Gleason 2.2 19.59 0 21.45 116,575 -3.0% 90,330 0.0% 1.20 4.07 1,425
Clayton Bank and Trust Knoxville 13.9 17.71 0 17.74 796,281 12.1% 612,079 3.3% 3.62 5.75 26,936
Home Federal Bank of Tennessee Knoxville 2.3 17.35 0 16.99 2,168,616 2.0% 1,723,547 0.0% 0.58 2.65 12,387
American City Bank Tullahoma 9.9 17.01 0 17.29 272,574 5.7% 209,870 5.4% 2.49 4.91 6,638
Apex Bank Camden 35.2 16.95 0 16.88 382,045 3.7% 287,628 0.0% 3.48 8.17 13,062
Citizens Bank and Trust Company of Grainger County Rutledge 21.7 16.57 0 16.82 203,508 1.3% 168,706 0.0% 0.94 3.72 1,862
CBBC Bank Maryville 2.5 16.48 0 16.51 333,308 3.6% 274,584 0.0% 1.02 3.19 3,351
Citizens Bank Carthage 3.2 16.47 0 16.43 555,071 3.5% 461,688 0.0% 2.25 4.84 12,273
Bank of Cleveland Cleveland 9.8 16.28 0 15.48 244,057 3.0% 204,670 0.0% 1.38 4.75 3,151
Financial Federal Bank Memphis 4.3 14.62 0 13.98 463,057 17.9% 311,695 4.8% 1.85 3.54 7,796
Peoples Bank of the South LaFollette 35.6 14.54 0 14.42 139,843 -1.8% 114,792 0.0% 1.81 5.13 2,543
Civic Bank & Trust Nashville 10.8 14.51 0 15.01 141,832 -1.2% 103,168 0.0% 0.10 3.35 149
Farmers State Bank Mountain City 31.9 14.48 0 14.78 142,197 3.5% 119,118 0.0% 0.66 4.53 891
Volunteer Federal Savings Bank Madisonville 6.1 14.36 0 14.27 174,221 1.3% 137,260 0.0% 0.36 3.66 627
Farmers Bank Woodland Mills 0.0 14.06 0 14.59 10,702 -15.4% 9,135 0.0% -2.94 2.09 -340
Johnson County Bank Mountain City 38.0 13.84 0 14.33 119,785 -0.2% 98,809 0.0% 0.72 3.52 875
Bank of Ripley Ripley 12.6 13.70 0 14.87 212,764 2.8% 179,028 0.0% 0.55 4.17 1,134
Greeneville Federal Bank, FSB Greeneville 16.9 13.54 0 13.68 143,508 -1.7% 122,189 0.0% 1.55 4.88 2,240
McKenzie Banking Company McKenzie 23.0 13.45 0 13.59 127,277 1.5% 109,292 0.0% 0.92 5.01 1,156
Bank of Waynesboro Waynesboro 15.2 13.44 0 13.28 155,366 5.8% 133,933 0.0% 1.23 4.41 1,852
Farmers Bank Parsons 16.5 13.11 0 13.45 34,903 -3.7% 30,039 0.0% 0.34 3.95 117
UBank Jellico 14.6 13.06 0 13.51 66,534 -0.8% 56,816 0.0% 1.10 4.86 728
Bank of Lincoln County Fayetteville 27.4 12.98 0 13.36 133,971 1.0% 115,452 0.0% 0.75 4.90 1,000
Peoples Bank of Middle Tennessee Shelbyville 10.0 12.90 0 12.67 117,828 13.8% 101,496 6.5% 1.07 4.57 1,164
Wayne County Bank Waynesboro 39.2 12.89 0 12.99 302,496 -0.9% 252,257 10.9% 0.87 4.69 2,652
First Advantage Bank Clarksville FABK 11.2 12.77 0 12.92 485,546 8.0% 375,178 5.0% 0.72 4.38 3,460
American Trust Bank of East Tennessee Knoxville 14.5 12.74 0 12.64 141,025 3.0% 117,031 0.0% 1.02 4.09 1,394
First National Bank of Manchester Manchester 9.6 12.65 0 12.50 250,722 4.4% 216,147 0.0% 1.33 3.96 3,196
Coffee County Bank Manchester 20.6 12.62 0 12.42 146,466 8.3% 125,835 0.0% 2.65 4.87 3,705
First National Bank of Middle Tennessee McMinnville 2.6 12.60 0 12.83 485,461 1.3% 386,415 0.0% 1.06 3.14 5,063
Macon Bank and Trust Company Lafayette 3.3 12.50 0 12.45 378,192 3.1% 319,243 0.0% 0.83 3.40 3,017
Bank of Dickson Dickson 12.0 12.33 0 13.02 225,179 0.9% 186,358 0.0% 0.82 3.42 1,840
Tri-State Bank of Memphis Memphis 57.8 12.25 0 9.32 105,233 -14.6% 89,934 11.1% 0.36 4.12 423
Athens Federal Community Bank, National Association Athens AFCB 14.9 12.16 0 12.38 326,804 5.6% 269,405 1.0% 1.04 4.57 3,278
Merchants & Planters Bank Bolivar 10.5 11.97 0 12.73 86,065 -1.7% 71,433 0.0% 1.11 4.51 948
Putnam 1st Mercantile Bank Cookeville 13.3 11.93 0 11.80 118,783 2.5% 104,418 6.7% 0.92 3.79 1,087
Citizens Bank Elizabethton 8.5 11.89 0 12.54 709,797 2.9% 534,357 2.0% 1.24 3.88 8,512
Tennessee Banks, Texas Ratio <75%
Page 46
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Tennessee Banks, Texas Ratio <75%
Farmers and Merchants Bank Adamsville 3.9 11.84 0 12.02 36,082 3.1% 31,087 0.0% 0.74 4.40 256
First Community Bank of Bedford County Shelbyville 2.4 11.84 0 11.87 437,931 16.5% 268,708 1.2% 1.38 3.68 5,585
Union Bank & Trust Company Livingston 29.4 11.82 0 12.18 81,420 -1.3% 71,209 0.0% 2.04 5.18 1,694
First Vision Bank of Tennessee Tullahoma 5.4 11.76 0 11.67 187,360 6.6% 163,683 10.3% 0.94 4.33 1,683
Bank of Frankewing Frankewing 15.7 11.75 0 11.75 216,771 3.1% 186,828 1.4% 1.05 4.26 2,243
Greenfield Banking Company Greenfield 13.9 11.62 0 11.62 54,057 5.2% 45,302 0.0% 0.63 4.34 331
Millennium Bank Ooltewah 20.4 11.59 0 11.60 141,767 12.2% 124,784 2.9% 1.30 4.35 1,770
Southern Heritage Bank Cleveland FIZN 4.3 11.59 0 11.59 267,302 6.9% 226,647 0.0% 0.94 3.99 2,467
Citizens Community Bank Winchester 17.2 11.55 0 11.69 203,757 5.8% 177,307 0.0% 1.56 5.43 3,108
Community National Bank Dayton 22.6 11.52 0 11.56 217,626 3.8% 191,379 0.0% 1.01 4.17 2,122
People's Bank and Trust Company of Pickett County Byrdstown 31.9 11.45 0 12.04 112,169 -1.8% 98,118 0.0% 0.93 4.91 1,050
Citizens National Bank Athens 14.3 11.30 0 11.51 552,288 3.9% 472,840 2.0% 1.27 3.51 6,757
First Community Bank of East Tennessee Rogersville FCCT 12.0 11.29 0 11.25 181,546 -4.1% 145,543 1.2% 0.53 3.83 933
Peoples Bank & Trust Company Manchester 2.3 11.25 0 11.18 88,810 5.9% 77,282 0.0% 0.74 4.26 644
Security Bank Dyersburg 13.4 11.22 0 11.79 178,945 1.5% 146,953 0.0% 1.01 3.63 1,751
First Farmers and Commercial Bank Pikeville 3.9 11.19 0 11.05 113,856 1.8% 101,108 0.0% 0.63 3.87 705
Franklin County UNITED Bank Decherd 31.3 11.08 0 12.81 76,408 -10.5% 66,440 0.0% -0.13 4.29 -106
Gates Banking and Trust Company Gates 4.4 11.07 0 12.23 42,462 -4.6% 36,925 0.0% 1.18 3.76 513
Bank of Crockett Bells 5.7 11.02 0 11.80 142,807 2.9% 123,978 0.0% 1.22 3.71 1,696
First National Bank of Oneida Oneida 14.5 10.99 0 11.36 206,716 1.7% 179,395 0.0% 1.13 3.92 2,321
Wilson Bank and Trust Lebanon WBHC 5.1 10.97 0 10.80 2,065,700 7.8% 1,827,267 0.0% 1.23 3.84 24,192
Cumberland Bank & Trust Clarksville 14.2 10.92 0 11.17 169,784 1.2% 149,701 6.6% 1.01 4.33 1,715
Peoples Bank of East Tennessee Madisonville 38.4 10.85 0 10.80 205,473 -4.1% 181,362 0.0% 0.51 4.51 1,066
Traditions First Bank Erin 3.6 10.83 0 11.01 118,459 -2.2% 104,091 0.0% 0.85 4.11 1,001
Volunteer State Bank Portland 6.8 10.82 0 10.86 530,740 4.8% 424,408 10.3% 2.78 4.51 13,751
Union Bank Jamestown 18.4 10.76 0 10.76 216,238 -1.4% 191,493 0.0% 0.59 4.07 1,278
Peoples State Bank of Commerce Nolensville 31.2 10.71 0 10.42 152,490 0.5% 136,162 0.0% 2.53 4.08 3,772
Farmers Bank Portland 6.4 10.69 0 10.58 587,276 4.0% 490,133 0.0% 1.21 4.51 6,771
First Freedom Bank Lebanon 8.2 10.69 0 10.37 340,894 9.2% 287,312 7.7% 1.09 4.31 3,457
Reelfoot Bank Union City 10.5 10.68 0 10.66 154,972 4.4% 137,036 0.0% 0.56 3.82 844
Citizens National Bank Sevierville 21.3 10.59 0 10.46 939,044 4.8% 734,785 8.0% 1.27 4.08 11,256
Bank of Halls Halls 23.7 10.52 0 11.15 75,155 5.0% 65,914 0.0% 1.30 4.11 940
Commercial Bank Harrogate 22.6 10.51 0 10.53 832,678 1.8% 667,318 11.0% 0.91 3.74 7,422
CedarStone Bank Lebanon 6.8 10.47 0 10.39 169,256 -2.4% 142,651 5.9% 0.91 4.47 1,544
Southern Bank of Tennessee Mount Juliet 0.4 10.43 0 10.36 217,239 9.5% 188,544 0.0% 0.70 3.45 1,484
First Federal Bank Dickson 13.1 10.41 0 11.30 496,539 4.2% 422,101 0.0% 1.47 3.55 7,010
Farmers & Merchants Bank Dyer 8.0 10.34 0 10.06 95,720 -4.6% 80,631 0.0% 0.06 3.33 60
Reliant Bank Brentwood CUBN 7.7 10.34 0 10.31 868,517 83.1% 657,984 23.7% 1.00 4.04 8,354
Commercial Bank & Trust Company Paris 4.1 10.33 0 10.58 710,053 5.7% 626,492 0.0% 1.67 3.86 11,335
First Bank of Tennessee Spring City 50.8 10.32 0 10.42 291,670 11.4% 237,005 0.0% 1.55 4.70 4,340
First South Bank Jackson 6.5 10.31 0 10.34 460,279 2.8% 384,611 0.0% 1.46 3.78 6,557
Page 47
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Tennessee Banks, Texas Ratio <75%
Paragon Bank Memphis PGNN 6.6 10.30 0 10.76 313,936 9.2% 264,672 11.8% 0.22 3.84 663
Newport Federal Bank Newport UNTN 4.7 10.29 0 10.19 200,102 2.5% 177,941 0.7% 0.83 3.17 1,635
First National Bank of Pulaski Pulaski 13.0 10.26 0 10.24 752,944 1.6% 664,799 0.0% 0.97 3.61 7,127
First Volunteer Bank Chattanooga 21.7 10.20 0 10.17 908,926 1.2% 803,588 0.0% 1.25 4.65 11,209
Community Bank & Trust Ashland City 13.2 10.20 0 9.97 211,433 6.1% 181,296 0.0% 0.39 3.21 804
Legends Bank Clarksville 3.7 10.13 0 10.15 400,535 -0.7% 349,823 16.7% 0.85 4.06 3,418
Atlantic Capital Bank, National Association Chattanooga ACBI 2.4 10.11 0 11.05 2,724,599 157.2% 2,294,102 10.2% 0.18 3.67 3,248
Homeland Community Bank McMinnville 52.7 10.07 0 10.14 142,483 3.0% 126,701 0.0% -0.06 3.31 -83
First Commerce Bank Lewisburg 3.6 10.05 0 9.86 318,980 8.0% 284,622 4.2% 1.24 4.27 3,696
Bank of Perry County Lobelville 16.3 9.99 0 9.77 153,268 2.3% 129,615 6.3% 1.75 4.90 2,625
Tennessee State Bank Pigeon Forge 50.7 9.99 0 9.78 640,914 3.4% 545,765 6.3% 0.21 3.56 1,303
Triumph Bank Memphis 9.4 9.95 0 9.75 537,270 6.6% 421,655 14.2% 0.95 3.73 4,824
Citizens Bank Hartsville 10.0 9.94 0 9.82 195,125 9.7% 170,751 0.0% 1.19 4.73 2,196
Bank of Jackson Jackson 11.0 9.94 0 10.39 161,477 5.3% 139,679 0.0% 0.69 3.26 1,055
Bank of Milan Milan 1.8 9.90 0 10.17 63,748 0.3% 55,498 0.0% 0.83 4.03 522
First Tennessee Bank, National Association Memphis FHN 16.1 9.88 0 9.30 26,771,369 5.0% 20,453,547 9.5% 0.99 2.94 253,275
Peoples Bank Sardis 8.1 9.80 0 9.80 72,789 1.3% 64,543 0.0% 0.71 4.56 518
Security Federal Savings Bank of McMinnville McMinnville SCYT 7.2 9.77 0 9.93 188,585 2.6% 162,479 0.0% 0.60 3.21 1,111
Avenue Bank Nashville AVNU 1.1 9.77 0 9.60 1,205,110 16.3% 967,068 28.0% 0.75 3.48 8,368
First Century Bank Tazewell 8.8 9.76 0 10.46 281,723 11.1% 249,168 0.0% 0.06 4.19 170
F&M Bank Clarksville 21.0 9.71 0 9.40 888,326 3.7% 702,513 12.2% 0.51 3.37 4,439
InsBank Nashville IBTN 4.0 9.70 0 9.42 321,956 20.8% 247,513 22.7% 0.91 3.52 2,766
Chester County Bank Henderson 1.5 9.65 0 10.32 71,317 1.3% 63,499 0.0% 0.75 3.83 531
Andrew Johnson Bank Greeneville 6.5 9.63 0 9.38 341,578 9.2% 307,843 0.0% 0.99 4.71 3,262
First Capital Bank Germantown 14.9 9.63 0 9.67 253,993 9.8% 205,530 2.4% 0.65 3.53 1,590
First Citizens National Bank Dyersburg FIZN 7.6 9.60 0 9.91 1,290,717 1.5% 1,075,766 0.4% 1.11 3.73 13,925
Citizens Bank of Lafayette Lafayette 13.8 9.58 0 9.83 851,477 26.5% 694,499 0.0% 1.06 3.96 8,966
Independent Bank Memphis 9.2 9.55 0 9.48 986,822 9.2% 825,881 21.3% 0.96 4.83 9,069
Foothills Bank & Trust Maryville 0.0 9.55 0 9.62 208,212 5.4% 180,895 0.0% 0.81 3.33 1,648
Truxton Trust Company Nashville TRUX 0.0 9.48 0 10.01 411,750 16.6% 349,762 11.0% 1.32 3.15 5,163
SmartBank Pigeon Forge SMBK 11.8 9.48 0 9.25 1,012,629 91.3% 863,258 5.7% 0.35 3.89 2,317
Home Banking Company Selmer 1.8 9.43 0 9.60 92,938 -0.5% 82,701 0.0% 0.55 4.05 491
Mountain Valley Bank Dunlap 54.2 9.40 0 9.39 93,587 1.9% 84,547 0.0% 0.18 4.11 165
Franklin Synergy Bank Franklin FSB 0.8 9.37 0 9.54 2,298,608 52.3% 1,954,394 24.2% 1.05 3.62 20,541
Centennial Bank Trezevant 15.1 9.35 0 9.29 364,525 19.4% 311,835 7.0% 0.91 5.47 2,972
Citizens Savings Bank and Trust Company Nashville 30.4 9.31 0 9.16 105,790 2.4% 92,819 44.2% 0.20 4.94 207
Security Bank and Trust Company Paris 0.0 9.31 0 9.38 197,146 10.2% 175,589 17.6% 1.74 4.25 3,235
TNBANK Oak Ridge 19.1 9.28 0 9.41 197,032 4.3% 157,117 3.1% 0.47 4.02 888
Lauderdale County Bank Halls 9.9 9.26 0 9.47 53,386 2.4% 47,578 0.0% 0.53 3.74 275
Bank of Fayette County Piperton 23.9 9.22 0 8.99 394,641 12.0% 328,499 9.9% 0.90 4.64 3,288
Citizens Tri-County Bank Dunlap 17.8 9.21 0 9.45 720,513 9.2% 642,030 0.8% 1.57 4.60 10,591
Page 48
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Tennessee Banks, Texas Ratio <75%
BankTennessee Collierville 12.0 9.18 0 9.14 283,262 3.0% 247,140 0.0% 1.26 4.41 3,459
CapStar Bank Nashville 4.9 9.16 0 7.23 1,223,180 7.5% 1,086,337 11.0% 0.66 3.27 7,574
Citizens Bank & Trust Company Atwood 10.8 9.14 0 9.06 25,882 -2.2% 23,474 0.0% 0.39 2.82 100
First National Bank of Tennessee Livingston 7.1 9.13 0 9.01 763,587 2.5% 683,270 0.0% 0.83 2.90 6,204
Community Bank Lexington 12.9 9.13 0 9.45 129,001 6.3% 109,058 1.8% 1.15 4.65 1,439
Southern Community Bank Tullahoma 11.5 9.13 0 8.11 226,310 39.9% 198,733 0.0% 0.63 4.01 1,154
INSOUTH Bank Brownsville 11.8 9.07 0 10.00 296,375 -0.1% 265,480 0.0% 0.65 4.13 1,862
Mountain Commerce Bank Knoxville 23.9 9.06 0 8.93 516,758 20.5% 457,946 5.1% 0.79 3.83 3,714
Patriot Bank Millington 12.3 9.04 0 9.70 287,202 1.6% 247,131 0.0% 1.01 3.52 2,816
Carroll Bank and Trust Huntingdon 5.8 9.02 0 9.13 269,807 1.1% 238,211 0.0% 0.56 4.52 1,519
Bank of Tennessee Kingsport 9.2 9.00 0 9.31 984,101 6.4% 803,023 0.9% 1.30 3.97 12,218
Progressive Savings Bank Jamestown 38.0 8.99 0 8.94 271,663 2.2% 245,231 6.9% 0.65 4.12 1,693
Peoples Bank Clifton 64.5 8.99 0 8.83 159,672 7.8% 138,666 8.7% 0.70 4.79 1,065
TriSummit Bank Kingsport 7.7 8.98 0 9.58 335,790 7.3% 271,588 5.3% 0.52 3.65 1,720
Community First Bank & Trust Columbia 28.8 8.97 0 10.23 463,974 2.7% 412,801 0.3% 3.58 3.66 16,369
SouthEast Bank Farragut 8.3 8.83 0 8.71 924,922 27.8% 834,585 26.3% 1.11 4.01 9,491
First Peoples Bank of Tennessee Jefferson City 13.8 8.82 0 8.57 143,691 4.7% 126,191 0.0% 0.06 4.13 84
Citizens First Bank Wartburg 26.0 8.81 0 8.84 160,189 5.0% 141,336 0.0% 0.61 4.81 947
Heritage Bank & Trust Columbia 24.2 8.72 0 8.91 103,676 3.3% 90,631 5.2% 0.72 3.93 737
Sumner Bank & Trust Gallatin SBKT 12.9 8.67 0 7.88 151,862 -3.2% 134,331 3.5% 0.54 3.42 843
First Farmers and Merchants Bank Columbia FFMH 4.0 8.66 0 8.72 1,298,843 6.9% 1,142,093 0.0% 0.85 3.37 10,552
Evolve Bank & Trust Memphis 19.9 8.50 0 9.16 355,785 -7.5% 270,930 0.4% 0.54 3.98 1,969
Citizens Bank New Tazewell 33.7 8.41 0 8.29 169,652 6.6% 154,717 0.0% 0.59 4.44 958
TriStar Bank Dickson 3.8 8.41 0 8.11 245,440 5.2% 216,089 3.7% 0.70 4.12 1,652
Decatur County Bank Decaturville 7.1 8.37 0 8.46 90,742 4.3% 76,570 6.9% 0.91 4.85 810
Pinnacle Bank Nashville PNFP 7.2 8.37 0 9.02 9,203,832 46.2% 7,100,561 6.4% 1.37 3.77 106,839
Hardin County Bank Savannah 31.6 8.26 0 8.09 454,238 4.4% 401,738 12.0% 0.03 4.29 129
Heritage Community Bank Greeneville 16.4 8.17 0 8.11 89,435 -1.3% 81,866 0.0% 0.39 4.14 357
Landmark Community Bank Collierville 6.1 8.09 0 8.25 851,806 23.8% 688,330 24.5% 0.88 3.25 6,866
American Bank & Trust of the Cumberlands Livingston 2.2 8.08 0 7.91 211,580 9.6% 188,424 0.0% 1.40 4.06 2,820
Bank of Putnam County Cookeville 1.4 7.89 455 7.73 429,037 4.0% 390,814 0.0% 1.05 2.83 4,415
FirstBank Nashville 11.0 7.77 6,411 8.20 2,853,057 13.3% 2,478,422 0.1% 1.94 4.07 52,026
Central Bank Savannah 73.8 7.71 290 7.92 98,814 -7.9% 89,787 0.0% 0.56 4.08 571
Tower Community Bank Jasper 14.6 7.38 882 7.04 144,670 4.0% 133,236 0.7% 0.41 4.92 576
Bank of Bartlett Bartlett 73.4 6.49 5,033 7.65 348,320 1.7% 311,348 0.0% 0.27 3.35 928
Brighton Bank Brighton 69.1 4.69 1,738 4.79 51,884 -6.6% 49,256 0.0% -0.54 3.92 -289
Page 49
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
American Patriot Bank Greeneville 569.9 2.01 3,785 1.44 62,578 -7.0% 60,886 0.0% -0.24 4.11 -160
Civis Bank Rogersville 182.3 4.04 4,289 4.05 108,670 -4.4% 102,108 0.0% -1.01 4.24 -1,130
Sevier County Bank Sevierville SVRH 157.7 6.08 5,935 6.10 307,361 3.2% 286,567 0.0% 0.58 3.04 1,784
First Alliance Bank Cordova FABR 78.8 10.49 0 11.16 117,427 -1.6% 100,980 0.0% 0.25 4.30 302
Tennessee Banks, Texas Ratio >75%
Page 50
Bank City
TopLevelTicker
TexasRatio
(%)
LeverageRatio
(%)
Tier 1Shortfall
(to 8%)
TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
Beal Bank, SSB Plano 21.9 45.72 0 43.54 2,178,149 5.3% 1,089,174 51.2% 4.40 6.00 88,486Oakwood State Bank Oakwood 1.3 20.19 0 20.61 6,374 -4.7% 5,051 0.0% 1.02 2.78 66Texas Exchange Bank, SSB Crowley 1.4 19.63 0 15.86 213,303 62.8% 149,371 20.7% 0.84 4.05 1,192Citizens 1st Bank Tyler 3.6 19.46 0 21.44 719,112 -4.6% 476,495 0.0% 1.95 3.51 13,921First National Bank of Moody Moody 10.2 19.00 0 19.65 47,452 2.9% 36,614 28.7% 1.10 3.98 523State Bank of Texas Dallas 14.8 18.90 0 18.86 675,455 -12.8% 483,347 4.1% 6.82 7.47 46,966Donley County State Bank Clarendon 0.0 18.40 0 19.06 38,421 -1.8% 30,973 0.0% 0.29 2.60 117First Federal Bank Littlefield, Texas Littlefield 3.2 18.31 0 18.73 44,874 -0.5% 36,295 0.0% 0.42 3.91 198Gladewater National Bank Gladewater 17.3 18.25 0 18.43 41,498 -38.3% 33,670 0.0% 0.25 4.84 114Frontier Bank of Texas Elgin 0.4 18.22 0 18.14 146,767 -2.9% 119,495 0.0% 0.73 4.05 1,073First National Bank of Winnsboro Winnsboro 30.1 18.15 0 17.68 138,862 1.1% 109,567 0.0% 1.23 4.61 1,699Henderson Federal Savings Bank Henderson 11.0 18.13 0 18.18 114,475 0.5% 93,093 0.0% 0.74 3.37 845Hamlin National Bank Hamlin 4.9 17.74 0 17.76 90,159 -10.4% 73,369 0.0% 1.04 3.57 967Brazos National Bank Richwood 0.5 17.65 0 16.92 30,699 9.8% 19,026 0.0% 3.54 5.38 993Lytle State Bank of Lytle, Texas Lytle 2.9 17.57 0 17.83 80,795 -7.2% 64,794 0.0% 1.26 3.75 1,023Liberty National Bank in Paris Paris 0.8 16.89 0 16.98 267,374 3.9% 221,457 0.0% 0.90 3.00 2,375Hill Bank & Trust Co. Weimar 0.0 16.73 0 16.62 131,278 4.7% 108,830 0.0% 0.77 2.63 993American Momentum Bank College Station 20.8 16.55 0 16.22 1,161,322 8.2% 956,151 0.0% 0.89 4.42 9,848Security Bank of Crawford Crawford 10.1 16.52 0 15.03 25,424 14.9% 21,550 0.0% -1.17 3.40 -261First National Bank of Aspermont Aspermont 0.0 16.21 0 17.87 64,314 3.6% 52,748 0.0% 1.18 2.91 735Preferred Bank Houston 8.8 16.07 0 14.76 248,171 -3.8% 210,398 0.6% 0.74 3.82 1,675Dilley State Bank Dilley 0.2 15.95 0 16.22 126,568 -10.3% 105,463 0.0% 0.73 2.32 960Citizens National Bank of Crosbyton Crosbyton 0.0 15.69 0 16.05 45,602 1.1% 38,199 0.0% 0.71 2.15 321International Bank of Commerce Brownsville IBOC 8.3 15.69 0 16.42 991,133 -7.6% 738,102 0.0% 1.41 3.43 14,574Mason Bank Mason 0.7 15.43 0 16.70 110,645 7.2% 84,730 0.0% 1.31 3.39 1,409First State Bank Hemphill 3.2 15.42 0 15.56 54,339 -0.3% 45,771 0.0% 0.19 2.36 103Buckholts State Bank Buckholts 0.3 15.02 0 15.28 70,926 -8.0% 60,042 0.0% 1.38 3.47 1,032Bank of Commerce McLean 2.0 14.94 0 15.58 35,273 2.7% 29,635 1.2% 1.85 3.36 655First State Bank and Trust Company Carthage 2.8 14.94 0 15.85 502,737 -3.6% 401,241 0.0% 1.24 3.41 6,419Granger National Bank Granger 0.3 14.91 0 16.40 32,629 -2.8% 27,021 0.0% 0.73 3.16 241Preston National Bank Dallas 12.9 14.83 0 15.81 58,792 -5.9% 48,356 9.3% 2.13 5.84 1,382First National Bank of Quitaque Quitaque 1.6 14.77 0 15.07 51,698 -3.5% 43,293 0.0% 0.69 4.17 362Inter National Bank McAllen GFNOR 6.5 14.76 0 14.73 1,842,666 -3.9% 1,384,761 0.2% 0.82 3.58 15,069T Bank, National Association Dallas TBNC 1.5 14.55 0 13.93 193,730 13.2% 160,471 1.9% 1.98 4.55 3,494Golden Bank, National Association Houston 6.8 14.45 0 14.18 644,980 13.6% 518,968 0.0% 1.15 3.89 7,062First State Bank of Livingston Livingston 4.0 14.26 0 15.59 322,649 -3.3% 269,485 0.0% 1.06 3.62 3,365First State Bank Abernathy 3.5 14.17 0 14.93 24,938 -5.1% 18,834 0.0% 1.32 6.44 381Mineola Community Bank, SSB Mineola 0.5 14.08 0 14.22 196,579 5.3% 146,317 0.0% 0.47 3.84 920City National Bank of San Saba San Saba 0.0 13.97 0 14.14 60,063 3.8% 51,449 0.0% 0.32 3.18 186Justin State Bank Justin 10.0 13.86 0 14.04 66,102 -3.0% 56,532 0.0% 1.91 5.07 1,271Westbound Bank Katy 0.2 13.82 0 12.95 162,303 9.6% 138,863 0.0% 0.59 3.98 952Fidelity Bank of Texas Waco 11.4 13.77 0 13.91 93,439 0.8% 80,160 0.0% 1.17 4.38 1,102First National Bank of Hughes Springs Hughes Springs 1.5 13.74 0 14.45 252,313 2.6% 214,788 0.0% 2.23 5.76 5,491First National Bank of Alvin Alvin 2.9 13.70 0 14.38 125,006 1.0% 106,058 0.0% 1.04 2.56 1,260Normangee State Bank Normangee 11.6 13.67 0 13.81 128,002 10.2% 109,616 0.0% 1.48 5.11 1,796Community Bank & Trust Waco 8.5 13.61 0 13.56 412,711 1.8% 356,287 0.0% 0.76 3.80 3,087Providence Bank of Texas Southlake 10.2 13.61 0 13.86 119,272 8.6% 102,418 0.0% 0.83 4.26 970
Texas Banks, Texas Ratio <75%
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Total Assets(%)
TotalDeposits
($000)Brokered
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LTMROAA
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NIM(FTE)
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Texas Banks, Texas Ratio <75%
Security State Bank & Trust Fredericksburg 9.7 13.60 0 13.67 879,305 6.5% 713,478 0.0% 1.05 3.94 9,007Muenster State Bank Muenster 6.4 13.55 0 14.64 167,596 -1.9% 134,335 0.0% 1.59 2.98 2,680First National Bank of Livingston Livingston 0.9 13.53 0 13.84 358,607 4.1% 305,019 0.0% 1.38 3.13 4,773Amistad Bank Del Rio 1.4 13.50 0 13.06 28,576 2.8% 24,493 0.0% 0.47 4.44 132International Bank of Commerce Zapata IBOC 2.5 13.48 0 13.56 525,950 -6.5% 366,407 0.0% 1.52 2.76 7,887American Bank of Texas Sherman 18.5 13.42 0 13.59 2,301,060 4.7% 1,958,214 0.0% 1.44 4.00 32,200Waggoner National Bank of Vernon Vernon 3.7 13.40 0 13.42 282,207 -0.1% 242,178 0.0% 2.54 4.30 6,989Commerce Bank Laredo IBOC 7.2 13.39 0 13.50 584,273 -2.1% 467,279 0.0% 1.05 2.68 5,963TexasBank Brownwood 2.6 13.37 0 13.27 409,379 -0.7% 341,294 0.0% 2.25 4.40 9,329Menard Bank Menard 0.0 13.20 0 13.43 34,338 1.7% 29,706 0.0% 0.81 3.83 279American First National Bank Houston 4.4 13.11 0 12.89 1,204,183 9.3% 1,040,714 0.0% 1.40 4.53 15,981Vista Bank Ralls 13.2 13.06 0 13.15 327,491 20.4% 254,987 0.0% 1.09 5.11 3,366American National Bank & Trust Wichita Falls 6.3 12.99 0 13.05 493,186 11.2% 395,239 0.0% 1.05 3.73 4,943Southwestern National Bank Houston 1.5 12.96 0 13.40 349,523 0.0% 287,798 0.0% 0.90 2.79 3,150First State Bank Columbus 0.1 12.92 0 13.68 146,708 -3.0% 126,291 0.0% 0.77 2.29 1,127Sanger Bank Sanger 1.2 12.92 0 13.06 131,368 3.2% 113,917 0.0% 1.12 3.94 1,459First State Bank of Bedias Bedias 9.5 12.87 0 13.13 163,923 -3.3% 141,995 0.0% 1.78 3.55 2,930Marion State Bank Marion 3.0 12.84 0 12.99 98,605 5.0% 85,698 0.0% 1.75 3.44 1,669First State Bank Shallowater 0.7 12.80 0 12.31 99,359 10.2% 84,739 0.0% 2.29 5.16 2,062Texas Hill Country Bank Bandera 0.4 12.77 0 13.76 81,204 24.4% 67,957 0.0% 0.46 3.76 338State Bank of De Kalb De Kalb 2.0 12.74 0 12.33 184,387 7.8% 151,198 0.0% 2.41 4.53 4,283Columbus State Bank Columbus 0.0 12.73 0 12.95 94,144 -4.0% 81,708 0.0% 0.63 2.44 602PlainsCapital Bank Dallas HTH 5.8 12.70 0 12.10 8,653,227 3.1% 6,671,643 1.5% 1.78 5.16 148,505American National Bank of Mount Pleasant Mount Pleasant 0.3 12.67 0 13.13 91,296 -0.6% 79,217 0.0% 1.65 4.33 1,504First State Bank of Ben Wheeler, Texas Ben Wheeler 0.7 12.65 0 12.65 135,233 0.8% 117,930 0.0% 1.66 3.65 2,265First National Bank in Cooper Cooper 1.5 12.59 0 12.80 48,127 0.8% 41,738 0.0% 0.46 2.79 219Bank of San Jacinto County Coldspring 0.0 12.52 0 12.56 38,790 4.5% 33,868 0.0% 0.54 4.19 204Carmine State Bank Carmine 0.3 12.51 0 12.81 72,382 0.1% 63,033 0.0% 0.91 3.22 658One World Bank Dallas 19.6 12.50 0 12.56 81,657 -0.2% 63,108 0.0% 0.32 3.07 256Graham Savings and Loan, SSB Graham 1.0 12.49 0 12.51 120,852 -4.9% 102,970 0.0% 1.22 3.67 1,502TBK Bank, SSB Dallas TBK 12.8 12.43 0 12.43 1,615,083 293.1% 1,262,081 4.0% 2.15 10.91 22,162Gilmer National Bank Gilmer 10.5 12.41 0 12.47 231,854 -1.7% 202,316 0.0% 1.03 3.62 2,408First Bank of Muleshoe Muleshoe 1.9 12.40 0 12.86 112,049 4.1% 97,238 0.0% 0.53 2.59 562BTH Bank, National Association Quitman 0.2 12.36 0 12.01 997,357 33.4% 870,613 20.7% 0.77 3.12 6,614Security State Bank Farwell 13.6 12.36 0 11.97 137,024 13.7% 120,498 5.1% 1.16 4.36 1,429Pavillion Bank Richardson 10.4 12.35 0 12.50 83,316 0.8% 71,654 0.0% 1.16 4.38 946Trinity Bank, N.A. Fort Worth TYBT 4.5 12.34 0 12.83 225,042 7.4% 193,979 0.0% 1.79 3.96 3,799International Bank of Commerce Laredo IBOC 5.9 12.33 0 12.50 9,696,848 -3.4% 7,075,791 0.0% 1.03 3.47 101,341Big Bend Banks, N.A. Marfa 0.8 12.30 0 14.52 127,144 0.7% 108,532 0.0% 1.36 3.90 1,757Shelby Savings Bank, SSB Center 2.3 12.27 0 12.37 271,628 1.0% 214,516 2.2% 1.25 3.78 3,363Amarillo National Bank Amarillo 14.8 12.26 0 12.34 3,667,809 -3.4% 3,049,115 8.5% 1.61 3.49 60,312Colonial Savings, F.A. Fort Worth 18.3 12.24 0 23.17 1,025,883 -12.6% 730,139 0.0% 1.13 4.88 13,924Commerce Bank Texas Stockdale 0.0 12.21 0 12.42 51,383 4.7% 41,764 0.0% 0.80 4.85 407Citizens National Bank at Brownwood Brownwood 17.1 12.20 0 12.27 207,002 3.4% 180,439 0.0% 1.50 3.94 3,064Kilgore National Bank Kilgore 14.8 12.16 0 12.09 81,662 -9.7% 71,173 0.0% 0.49 4.31 416MINT National Bank Kingwood 0.0 12.16 0 11.55 109,028 55.0% 95,866 0.0% 1.34 4.60 1,195Titan Bank, N.A. Mineral Wells 3.7 12.14 0 12.11 88,347 10.3% 65,627 3.4% 1.91 4.82 1,546
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1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
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NIM(FTE)
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Texas Banks, Texas Ratio <75%
Pioneer Bank, SSB Dripping Springs 4.3 12.11 0 11.51 1,129,877 190.2% 992,788 0.0% 2.42 3.96 12,390Austin Bank, Texas National Association Jacksonville 11.7 12.06 0 11.99 1,575,862 0.3% 1,343,077 0.0% 1.20 4.26 18,727Grapeland State Bank Grapeland 3.3 12.02 0 6.97 32,426 -0.8% 28,344 0.0% 0.63 4.62 205First Texas Bank Lampasas 2.1 11.94 0 11.94 122,439 5.0% 106,194 0.0% 0.31 2.58 377Ciera Bank Graham 9.9 11.93 0 12.21 507,225 2.2% 405,083 0.0% 1.87 4.99 9,311Yoakum National Bank Yoakum 2.2 11.92 0 12.55 232,583 -3.7% 202,825 1.0% 1.02 3.00 2,361AccessBank Texas Denton 1.7 11.83 0 12.45 212,873 37.9% 186,009 0.0% 1.31 3.32 2,455First State Bank of Burnet Burnet 0.8 11.80 0 12.55 256,167 1.3% 223,514 0.0% 1.37 3.21 3,426Johnson City Bank Johnson City 11.0 11.79 0 11.76 116,656 2.2% 102,844 0.0% 1.40 4.14 1,608First Bank & Trust Seymour 0.5 11.77 0 11.69 173,491 -7.9% 148,387 0.0% 0.41 2.10 738Llano National Bank Llano 18.2 11.76 0 12.28 152,065 4.9% 132,296 0.0% 0.96 4.15 1,449First Liberty National Bank Liberty 0.5 11.69 0 12.05 301,584 -1.2% 252,428 0.0% 1.00 2.97 3,049First National Bank of Emory Emory 0.8 11.69 0 12.78 110,593 -3.7% 92,980 0.0% 0.92 3.14 1,007Lone Star State Bank of West Texas Lubbock 4.6 11.68 0 11.86 744,519 -7.7% 646,575 2.2% 1.22 3.69 9,480Pearland State Bank Pearland 2.5 11.68 0 12.41 185,168 -0.8% 161,893 0.0% 1.22 2.56 2,187Peoples State Bank Rocksprings 0.0 11.61 0 12.25 74,914 0.7% 65,688 0.0% 1.51 3.18 1,135Herring Bank Amarillo 13.8 11.58 0 12.26 421,565 -5.9% 368,058 0.0% 0.74 4.64 3,165Citizens State Bank of Luling Luling 0.0 11.56 0 11.62 67,252 -0.6% 59,318 0.0% 0.67 4.49 449Lamar National Bank Paris 0.8 11.54 0 11.78 138,701 7.7% 119,945 0.0% 1.27 4.25 1,710Bank of Texas Midland 0.0 11.51 0 11.72 269,363 2.6% 226,166 0.0% 1.59 2.80 4,178Santa Anna National Bank Santa Anna 0.0 11.49 0 12.29 47,606 9.3% 37,682 0.0% 1.53 4.69 711Zapata National Bank Zapata 10.8 11.49 0 11.67 89,228 -3.2% 78,633 0.0% 0.52 3.64 459First National Bank of Hebbronville Hebbronville 1.0 11.48 0 12.88 131,259 -9.8% 113,518 0.2% 1.46 3.26 1,993First Federal Community Bank, SSB Paris 6.7 11.46 0 11.40 362,290 3.8% 307,688 0.0% 0.57 3.94 2,018First State Bank Rice 13.6 11.46 0 11.39 137,752 -12.9% 120,142 0.0% 0.75 4.14 1,090Capital Bank of Texas Carrizo Springs 0.0 11.44 0 11.86 68,715 -9.7% 59,617 0.0% 0.82 2.76 579First National Bank of Gilmer Gilmer 20.8 11.43 0 11.60 326,100 -1.5% 277,986 0.0% 1.48 4.35 4,892Robert Lee State Bank Robert Lee 5.1 11.43 0 11.91 48,146 0.0% 42,270 0.0% 0.34 3.42 157West Texas State Bank Snyder 16.9 11.43 0 12.14 137,280 -5.2% 120,228 0.0% 1.04 3.72 1,472Dallas Capital Bank, National Association Dallas 1.8 11.42 0 10.00 645,574 -3.2% 367,894 33.6% 0.12 1.92 714Dublin National Bank Dublin 0.0 11.42 0 11.53 33,109 2.0% 29,221 0.0% 0.11 2.30 37Southwest Bank Fort Worth 0.0 11.42 0 10.81 1,772,306 7.2% 1,373,173 14.7% 1.03 3.96 16,924Cadence Bank, N.A. Houston 24.8 11.41 0 10.94 8,978,716 10.5% 7,420,212 14.4% 0.61 3.52 51,156Cendera Bank, National Association Bells 0.0 11.41 0 11.30 73,319 16.8% 64,926 8.4% 0.30 4.36 208Falcon International Bank Laredo 20.9 11.41 0 11.31 1,004,551 7.4% 884,100 0.0% 1.10 3.69 10,730Worthington National Bank Arlington 6.0 11.41 0 11.12 202,946 13.2% 179,907 1.8% 1.03 4.28 1,958Zavala County Bank Crystal City 0.0 11.41 0 11.84 76,005 2.4% 66,191 0.0% 1.18 3.46 823Moody National Bank Galveston 11.1 11.38 0 11.90 1,043,534 -4.7% 886,176 0.0% 1.13 3.47 12,609First National Bank of Jasper Jasper 6.1 11.37 0 11.62 270,174 -0.6% 236,333 0.0% 0.59 2.72 1,520Lone Star National Bank McAllen 24.5 11.35 0 11.76 2,224,111 2.2% 1,878,954 2.7% 0.66 3.48 14,149First National Bank Rotan 7.5 11.33 0 11.81 75,158 -2.9% 66,173 0.0% 1.22 3.98 929First National Bank in Falfurrias Falfurrias 11.3 11.32 0 11.62 68,135 -18.5% 60,067 0.0% 0.42 2.32 304Commercial State Bank Humble 2.5 11.30 0 11.69 320,174 -3.3% 281,722 0.0% 1.04 4.46 3,374First National Bank Fabens 0.0 11.29 0 11.13 345,755 2.3% 281,640 0.0% 2.37 3.79 8,145First Bank and Trust of Memphis Memphis 5.6 11.21 0 11.08 63,739 -4.5% 56,145 3.2% 0.87 2.77 551First National Bank of Eldorado Eldorado 0.0 11.20 0 12.09 64,080 -14.0% 56,039 0.0% 0.66 4.04 449First National Bank in Dalhart Dalhart 0.0 11.10 0 11.36 64,226 0.5% 56,867 0.0% 1.03 4.43 685
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Texas Banks, Texas Ratio <75%
First United Bank Dimmitt 6.3 11.09 0 11.46 1,115,952 -1.3% 937,456 0.7% 1.71 3.90 19,239TrustTexas Bank, SSB Cuero 0.5 11.07 0 11.65 318,543 4.6% 279,124 0.0% 0.95 3.94 2,923Austin Capital Bank SSB Austin 0.7 11.05 0 11.25 89,453 25.2% 70,394 0.0% 1.31 3.94 1,066TexStar National Bank Universal City 0.0 11.04 0 10.73 223,919 3.0% 196,782 5.6% 0.97 4.07 2,099Sovereign Bank Dallas 13.3 11.03 0 11.40 1,073,179 1.4% 836,546 8.0% 0.78 3.70 8,593Bandera Bank Bandera 13.5 10.98 0 10.85 58,358 9.7% 51,944 0.0% 1.04 3.70 581City National Bank of Taylor Taylor 8.4 10.98 0 10.90 193,301 1.1% 171,615 8.2% 0.87 3.55 1,680First National Bank Spearman 11.4 10.97 0 11.60 204,231 4.3% 167,423 5.1% 1.53 4.25 2,998First State Bank Athens 5.9 10.96 0 11.04 409,576 2.4% 361,782 0.0% 1.35 4.39 5,350First Texas Bank Killeen 0.2 10.96 0 10.75 285,016 2.2% 252,137 0.0% 0.12 2.36 337First National Bank of Granbury Granbury 5.7 10.91 0 11.10 503,181 3.9% 445,799 0.0% 1.02 3.65 5,021Powell State Bank Powell 18.2 10.91 0 11.32 28,200 -4.6% 24,149 0.0% 0.73 4.44 209Citizens State Bank Tyler 9.8 10.90 0 10.40 329,895 2.4% 232,034 5.1% 1.40 3.96 4,490First National Bank of Eagle Lake Eagle Lake 12.8 10.90 0 11.24 102,124 -2.7% 85,918 0.0% 1.02 5.16 1,086Jourdanton State Bank Jourdanton 5.4 10.90 0 10.58 176,361 -3.5% 155,208 0.0% 0.60 2.59 1,028First State Bank Three Rivers 2.4 10.89 0 10.77 149,164 -15.6% 132,943 0.0% 1.04 2.87 1,660Happy State Bank Happy 10.1 10.89 0 10.79 2,876,367 9.5% 2,352,376 15.8% 1.03 4.18 28,033First State Bank Chico 24.3 10.88 0 10.37 199,849 -5.7% 169,549 0.0% 0.47 3.62 947SouthStar Bank, S.S.B. Moulton 3.7 10.87 0 10.34 700,153 -14.2% 499,530 0.0% 1.12 4.99 7,594First National Bank in Port Lavaca Port Lavaca 1.4 10.86 0 11.40 270,217 2.4% 238,289 0.0% 0.94 3.21 2,489Texas Republic Bank, National Association Frisco 3.2 10.86 0 10.42 167,903 15.8% 142,735 0.0% 0.92 5.01 1,480Citizens Bank Kilgore 4.7 10.84 0 11.20 370,676 -9.2% 326,331 0.0% 0.67 3.66 2,557Spur Security Bank Spur 0.0 10.84 0 11.07 44,769 -3.4% 39,761 0.0% 0.39 2.75 174Perryton National Bank Perryton 9.3 10.82 0 11.45 180,729 -6.1% 159,938 0.0% 1.26 2.79 2,290Mainland Bank Texas City 12.6 10.79 0 10.62 124,931 -2.5% 106,689 0.0% 2.42 4.67 3,068Texas State Bank San Angelo 0.0 10.79 0 11.90 254,587 -3.6% 220,764 0.0% 1.13 3.55 2,903Farmers State Bank Center 29.2 10.77 0 11.57 361,359 -5.2% 318,005 0.0% -1.27 3.57 -4,723Haskell National Bank Haskell 2.8 10.77 0 11.16 75,480 -6.4% 66,910 0.0% 0.68 3.19 528Gruver State Bank Gruver 11.8 10.76 0 10.95 69,968 -1.3% 53,255 0.0% 1.21 3.48 844Comanche National Bank Comanche 1.6 10.74 0 11.40 331,256 -3.4% 288,377 0.0% 0.97 3.55 3,127West Texas State Bank Odessa 2.0 10.74 0 10.56 411,191 -13.3% 366,801 0.0% 0.66 3.44 2,859Dalhart Federal Savings & Loan Association, SSB Dalhart 1.1 10.73 0 10.95 110,227 -1.0% 91,944 0.0% 0.58 4.10 634Kress National Bank Kress 14.2 10.73 0 11.32 39,912 4.8% 35,280 0.0% 1.26 4.02 524Anahuac National Bank Anahuac 3.2 10.71 0 11.08 113,828 8.2% 100,923 0.0% 1.47 4.60 1,621Centennial Bank Lubbock 3.6 10.70 0 11.24 704,059 -3.5% 575,919 0.0% 1.61 4.41 11,553Commercial National Bank of Brady Brady 0.5 10.70 0 11.42 164,711 4.0% 145,718 0.0% 1.75 4.00 2,772Texas Heritage National Bank Daingerfield 13.2 10.70 0 10.57 130,652 9.5% 93,620 0.0% 1.35 4.39 1,661Burton State Bank Burton 0.0 10.68 0 12.28 59,024 -6.5% 51,733 0.0% 0.80 2.28 476Woodhaven National Bank Fort Worth 13.8 10.68 0 9.96 566,549 20.8% 460,041 0.0% 1.07 3.56 5,537CommunityBank of Texas, N.A. Beaumont 8.1 10.65 0 10.58 2,815,480 11.2% 2,413,942 2.8% 0.97 4.12 27,140Integrity Bank, SSB Houston 0.0 10.63 0 10.40 651,825 4.8% 579,287 0.0% 1.14 4.03 7,217NewFirst National Bank El Campo 1.9 10.63 0 10.85 609,156 -1.9% 537,459 0.0% 2.16 4.90 13,100United Texas Bank Dallas 0.9 10.63 0 11.00 317,456 24.3% 236,048 0.0% 0.87 3.54 2,704Fidelity Bank Wichita Falls 7.5 10.60 0 10.10 427,253 14.9% 339,892 0.0% 1.51 4.82 5,943Citizens State Bank Sealy 0.0 10.58 0 11.09 238,315 3.1% 210,176 0.0% 1.28 3.51 3,032Ozona National Bank Ozona 0.2 10.58 0 10.47 231,599 3.1% 206,452 0.0% 1.30 4.25 2,922Commercial State Bank Andrews 15.4 10.57 0 10.80 507,092 -12.0% 449,502 0.0% 1.56 4.65 8,240
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TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
Texas Banks, Texas Ratio <75%
First State Bank of Paint Rock Paint Rock 14.8 10.54 0 10.71 97,911 3.2% 85,944 0.0% 1.36 3.78 1,313Texas Gulf Bank, National Association Houston 10.8 10.54 0 11.09 533,056 3.6% 471,827 4.0% 1.20 3.97 6,382Schertz Bank & Trust Schertz 3.9 10.53 0 10.28 275,856 13.5% 246,452 0.0% 1.17 4.22 2,951First National Bank Groesbeck 6.6 10.51 0 10.73 52,466 -4.8% 46,678 0.0% 0.46 3.31 244Junction National Bank Junction 0.1 10.51 0 10.61 59,453 0.4% 53,093 0.0% 1.22 2.95 716Texas Brand Bank Garland 0.0 10.50 0 10.41 149,691 11.7% 128,451 0.2% 0.81 4.23 1,145First National Bank of Kemp Kemp 1.1 10.48 0 10.24 66,104 20.2% 57,155 0.0% 0.19 2.86 118National Bank Gatesville 4.3 10.47 0 10.27 592,633 2.1% 530,848 0.0% 0.86 3.75 4,976National Bank of Andrews Andrews 5.1 10.47 0 11.18 177,047 -12.1% 154,219 0.0% 2.71 4.25 5,004North Dallas Bank & Trust Co. Dallas NODB 5.5 10.42 0 10.54 1,317,305 1.3% 1,163,921 0.0% 0.49 2.16 6,537ValueBank Texas Corpus Christi 1.6 10.42 0 10.34 210,287 3.2% 186,753 0.0% 0.97 4.64 2,013Citizens National Bank of Texas Waxahachie 8.5 10.39 0 9.98 765,188 15.7% 680,835 0.9% 2.18 4.95 15,274First National Bank of Bastrop Bastrop 6.1 10.39 0 10.80 496,502 3.4% 441,052 0.0% 1.68 4.09 8,189Texas Security Bank Dallas 4.1 10.39 0 10.46 302,256 20.6% 269,468 5.0% 1.03 3.90 3,020Lone Star Bank Houston 15.1 10.37 0 7.29 109,353 5.9% 95,973 1.0% 0.53 3.83 541First State Bank of Mobeetie Mobeetie 10.0 10.36 0 11.09 85,628 -6.0% 75,732 0.0% 0.54 2.69 474Citizens State Bank Corrigan 4.4 10.34 0 10.60 132,016 4.8% 117,648 0.0% 1.93 4.22 2,455Bank of River Oaks Houston 8.0 10.33 0 10.37 446,188 5.0% 370,953 9.8% 0.66 3.93 2,931First Capital Bank Quanah 14.4 10.32 0 10.57 46,223 2.2% 41,239 0.0% 0.25 5.27 112Huntington State Bank Huntington 7.2 10.32 0 10.25 229,442 -1.6% 200,933 0.0% -0.16 3.95 -372Broadway National Bank San Antonio 7.4 10.31 0 10.80 3,272,014 0.5% 2,848,668 0.0% 1.11 3.46 35,639TransPecos Banks Pecos 6.3 10.30 0 9.93 151,762 4.9% 133,820 5.6% 1.18 4.76 1,729Citizens National Bank of Wills Point Wills Point 0.0 10.28 0 10.63 136,536 10.5% 121,700 0.0% 1.77 3.97 2,311First National Bank of Stanton Stanton 3.7 10.28 0 10.34 162,449 3.7% 145,212 0.0% 0.74 3.35 1,146Comerica Bank Dallas CMA 11.3 10.27 0 10.02 69,001,157 -0.4% 57,093,068 0.0% 0.68 2.64 480,117Prosper Bank Prosper 8.9 10.27 0 10.65 79,596 2.1% 70,502 0.0% 1.34 3.96 1,061First National Bank of Mount Vernon Mount Vernon 0.5 10.26 0 11.54 197,247 -3.9% 168,253 0.0% 1.08 2.84 2,218Industry State Bank Industry 0.2 10.26 0 11.41 702,713 9.6% 614,908 0.0% 1.57 3.71 10,324Lone Star Capital Bank, National Association San Antonio 1.7 10.25 0 10.22 234,993 1.1% 195,914 2.4% 0.39 3.77 905Legend Bank, N.A. Bowie 4.9 10.22 0 10.60 610,991 -2.1% 528,461 0.0% 1.63 4.67 10,005Citizens State Bank Somerville 14.5 10.21 0 10.23 462,434 -1.6% 410,099 0.0% 0.97 4.30 4,401First National Bank Wichita Falls 7.0 10.21 0 9.86 431,414 6.5% 330,388 3.6% 1.96 4.66 7,979City National Bank of Sulphur Springs Sulphur Springs 7.8 10.19 0 10.21 464,266 1.7% 410,511 0.0% 1.73 4.49 7,960Peoples State Bank of Hallettsville Hallettsville 0.7 10.18 0 10.60 284,980 -1.7% 250,240 9.3% 0.69 2.36 1,923RiverBend Bank Fort Worth 25.2 10.16 0 9.79 54,554 11.6% 48,170 0.0% 1.16 3.81 584Chappell Hill Bank Chappell Hill 0.0 10.14 0 10.12 24,745 1.7% 21,936 0.0% 0.02 2.88 6Citizens National Bank of Hillsboro Hillsboro 0.2 10.13 0 11.46 208,861 -1.2% 147,979 0.0% 1.00 2.48 2,086Elsa State Bank and Trust Company Elsa 4.9 10.13 0 9.72 191,682 -5.0% 172,072 0.0% 1.32 5.17 2,494HomeTown Bank, N.A. Galveston 9.9 10.13 0 10.49 541,293 4.8% 481,441 0.0% 1.12 3.93 6,017National Bank & Trust La Grange 0.5 10.13 0 11.03 224,994 -2.7% 199,823 0.0% 0.88 2.42 1,997First National Bank of Huntsville Huntsville 0.0 10.12 0 10.36 454,238 -1.4% 394,939 0.0% 0.79 2.91 3,615First State Bank Yoakum 1.4 10.11 0 10.79 189,377 -0.2% 167,493 0.0% 1.33 3.73 2,500Lubbock National Bank Lubbock 9.2 10.09 0 10.52 925,939 3.2% 762,291 3.7% 0.94 3.61 8,594Post Oak Bank, N.A. Houston 8.5 10.09 0 9.91 1,111,870 21.4% 993,705 2.2% 1.04 3.98 10,776First National Bank of Bellville Bellville 0.1 10.08 0 10.90 648,536 10.1% 555,131 0.0% 1.41 3.74 8,544First National Bank of Tahoka Tahoka 0.0 10.08 0 10.40 56,359 3.6% 50,441 0.0% 0.44 3.06 232City National Bank Corsicana 2.2 10.07 0 9.77 47,848 7.8% 42,785 0.0% 0.51 3.85 236
Page 55
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TopLevelTicker
TexasRatio
(%)
LeverageRatio
(%)
Tier 1Shortfall
(to 8%)
TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
Texas Banks, Texas Ratio <75%
Allegiance Bank Houston ABTX 6.3 10.06 0 9.85 2,209,151 17.2% 1,862,114 6.8% 0.97 4.67 19,531Security State Bank Pearsall 1.6 10.06 0 10.48 503,472 -4.9% 444,593 0.0% 1.19 3.53 6,081Plains State Bank Humble 7.9 10.05 0 9.91 372,366 10.5% 332,595 1.5% 1.06 4.22 3,655First National Bank of Anderson Anderson 11.4 10.04 0 10.24 165,053 -6.0% 147,943 0.0% 0.72 3.44 1,236First National Bank of Trenton Trenton 7.2 10.04 0 10.18 160,624 -1.6% 136,197 0.0% 0.31 3.05 530Western Bank Lubbock 5.5 10.03 0 9.81 198,674 5.5% 160,283 3.2% 1.15 3.97 2,201American Bank, National Association Dallas 1.5 10.02 0 9.85 53,340 -13.9% 47,730 8.6% 1.27 7.76 734Enloe State Bank Cooper 4.0 10.02 0 9.94 30,932 11.0% 27,770 0.0% 1.26 5.19 377Sage Capital Bank, N.A. Gonzales 0.2 10.02 0 10.38 342,201 -2.6% 302,077 0.0% 1.12 4.04 3,886First National Bank of Floydada Floydada 0.0 10.01 0 10.60 107,108 0.5% 95,731 0.0% 1.74 3.32 1,865Platinum Bank Lubbock 18.9 10.01 0 10.22 251,865 5.6% 207,034 5.9% -0.99 4.29 -2,439Bloomburg State Bank Bloomburg 0.0 10.00 0 9.80 16,687 8.8% 15,012 0.0% 0.61 4.06 101First State Bank Central Texas Austin 6.8 9.98 0 10.07 1,433,051 1.0% 1,208,339 0.0% 1.17 3.47 16,210First Bank & Trust Lubbock 6.4 9.97 0 9.56 819,121 7.8% 714,898 6.3% 1.80 4.10 14,221Texas Star Bank Van Alstyne 9.1 9.97 0 9.88 350,534 3.9% 307,047 1.9% 1.08 4.00 3,718Spring Hill State Bank Longview 12.2 9.96 0 9.82 185,015 -0.2% 151,617 0.4% 0.81 3.82 1,502Synergy Bank, S.S.B. McKinney 29.5 9.96 0 11.14 138,504 12.5% 119,690 0.0% 0.37 4.75 484Wallis State Bank Wallis 2.7 9.96 0 9.45 479,825 15.0% 418,295 4.6% 2.11 4.86 9,495First National Bank of Albany Albany 1.8 9.95 0 12.31 512,593 6.5% 446,840 10.5% 1.89 3.96 9,288First State Bank of Odem Odem 1.7 9.95 0 10.43 128,671 -6.2% 114,829 0.0% 0.79 4.04 1,065Round Top State Bank Round Top 0.0 9.95 0 10.00 487,623 5.3% 437,268 0.0% 0.94 3.14 4,449Affiliated Bank Arlington BAFI 3.2 9.94 0 9.18 603,502 21.7% 414,855 9.2% 1.66 5.38 8,510First National Bank of Giddings Giddings 3.6 9.94 0 10.27 187,927 3.4% 168,163 1.1% 0.91 3.41 1,714Citizens State Bank Buffalo 2.5 9.93 0 11.13 806,915 5.1% 709,490 0.0% 1.34 3.61 10,238Coleman County State Bank Coleman 4.7 9.93 0 10.15 103,003 -2.4% 92,514 0.0% 1.53 4.83 1,621First Bank Burkburnett 17.4 9.93 0 9.83 349,600 4.2% 294,500 1.6% 2.09 4.84 7,147Fort Davis State Bank Fort Davis 16.2 9.92 0 10.16 75,735 2.7% 67,668 0.0% 0.52 3.99 377Commercial Bank of Texas, N.A. Nacogdoches 6.2 9.90 0 9.95 570,747 6.2% 499,014 0.0% 1.17 3.72 6,451First National Bank of Dublin Dublin 0.6 9.89 0 10.04 84,351 5.9% 75,761 0.0% 1.38 4.44 1,172Sundown State Bank Sundown 16.1 9.89 0 10.56 143,507 -25.9% 127,929 0.0% 1.03 3.86 1,721First National Bank of Sonora Sonora 13.6 9.88 0 9.78 332,994 -1.6% 290,506 0.0% 0.96 4.15 3,231First State Bank Stratford 0.0 9.88 0 10.03 233,061 4.0% 198,238 0.0% 1.44 3.49 3,295Cypress Bank, SSB Pittsburg 5.5 9.86 0 9.74 178,345 1.6% 135,456 1.6% 0.69 3.91 1,219SouthTrust Bank, N.A. George West 9.1 9.86 0 9.98 371,986 3.9% 296,687 0.0% 1.08 4.35 3,999Grandview Bank Grandview 0.1 9.84 0 9.51 165,681 12.1% 147,663 0.0% 1.25 4.23 1,941Bank of DeSoto, National Association Desoto 10.3 9.81 0 9.69 194,482 -0.3% 175,467 0.0% 1.57 7.04 3,017Farmers and Merchants Bank De Leon 0.0 9.80 0 9.83 80,647 12.1% 72,354 0.0% 0.07 3.80 56First National Bank of Hereford Hereford 16.1 9.80 0 10.24 149,398 -3.4% 133,481 0.0% 1.15 4.03 1,759First National Bank of South Padre Island South Padre Islan 8.3 9.80 0 10.10 60,627 2.4% 54,468 0.0% 0.58 3.57 353Incommons Bank, N.A. Mexia 0.7 9.80 0 8.64 146,321 29.1% 127,913 0.0% 0.68 4.94 809Citizens National Bank Cameron 0.0 9.77 0 9.70 441,049 7.3% 397,427 0.0% 0.85 2.86 3,550First Community Bank Corpus Christi 9.1 9.77 0 9.81 406,343 6.1% 334,222 0.0% 1.62 5.77 6,372Northstar Bank of Texas Denton 5.7 9.77 0 9.42 1,671,275 -3.7% 1,395,625 1.2% 1.13 3.87 19,118Texas Financial Bank Eden 2.7 9.77 0 10.01 98,749 -7.3% 88,656 0.0% 0.80 3.22 805American Bank, National Association Waco 2.1 9.75 0 9.96 413,892 -2.6% 361,516 0.0% 1.14 3.44 4,743Ballinger National Bank Ballinger 12.4 9.73 0 9.69 45,935 -0.3% 41,390 0.0% 0.70 3.37 324Brenham National Bank Brenham 5.0 9.73 0 9.92 304,343 4.9% 266,669 6.0% 1.18 3.68 3,449
Page 56
Bank City
TopLevelTicker
TexasRatio
(%)
LeverageRatio
(%)
Tier 1Shortfall
(to 8%)
TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
Texas Banks, Texas Ratio <75%
Community National Bank Midland 22.4 9.72 0 9.59 1,080,518 -8.2% 962,451 0.0% 0.56 3.49 6,175Fayetteville Bank Fayetteville 1.7 9.72 0 10.72 430,974 9.4% 381,564 0.0% 0.98 3.50 3,973First National Bank of Weatherford Weatherford 3.6 9.72 0 8.84 217,897 8.0% 195,739 1.1% 1.64 4.94 3,425First State Bank Mesquite 28.0 9.70 0 8.86 178,267 2.9% 161,550 0.0% -0.18 1.95 -314Bank and Trust of Bryan/College Station Bryan 0.6 9.69 0 9.47 498,383 12.4% 438,858 0.1% 1.35 4.01 6,326Citizens State Bank Roma 8.8 9.68 0 10.01 84,496 0.3% 70,952 0.0% 1.07 5.08 898Third Coast Bank, SSB Humble 7.3 9.67 0 9.42 424,554 14.2% 375,628 1.3% 0.70 4.58 2,837Pilgrim Bank Pittsburg 5.1 9.66 0 9.68 570,478 -7.6% 474,376 0.0% 0.97 3.35 5,766Wellington State Bank Wellington 4.6 9.64 0 10.40 351,868 39.4% 310,182 0.0% 1.10 3.98 3,028R Bank Round Rock 3.3 9.63 0 9.44 393,991 28.6% 341,366 0.0% 0.49 3.72 1,692United Bank of El Paso del Norte El Paso 10.2 9.61 0 9.68 216,535 2.3% 175,907 0.0% 1.02 4.65 2,171Benchmark Bank Plano 13.4 9.60 0 8.95 527,637 10.3% 438,446 2.4% 1.10 4.81 5,307FirstCapital Bank of Texas, N.A. Midland 3.5 9.60 0 9.59 986,639 1.8% 784,917 24.1% 0.81 4.06 7,915Spirit of Texas Bank, SSB College Station 4.7 9.60 0 9.20 861,886 12.0% 674,942 0.0% 0.78 4.47 6,453Heritage Bank Pearland 8.1 9.59 0 8.94 225,312 15.7% 186,968 0.0% 0.89 4.65 1,865Inwood National Bank Dallas 0.3 9.59 0 9.28 2,276,422 19.0% 1,989,614 1.9% 1.93 3.55 40,747Liberty Capital Bank Addison 12.1 9.59 0 9.24 198,625 19.4% 173,697 0.0% 1.52 3.31 2,755LegacyTexas Bank Plano LTXB 7.4 9.58 0 9.06 7,564,650 16.2% 5,343,169 7.2% 1.19 4.08 79,691Texas Bank Henderson 9.1 9.58 0 10.32 344,441 -1.6% 278,765 0.0% 1.00 4.56 3,469Community Bank Longview 8.8 9.57 0 9.23 223,981 1.9% 193,250 0.0% 2.05 3.59 4,474State Bank of Texas Houston 2.0 9.57 0 9.73 160,169 -3.4% 144,015 0.0% 0.45 2.78 781Lamesa National Bank Lamesa 16.1 9.56 0 10.09 294,901 -7.1% 264,653 0.0% 1.09 2.48 3,388Mills County State Bank Goldthwaite 7.2 9.55 0 10.04 301,249 4.2% 268,135 0.0% 1.01 3.68 2,940Guaranty Bank & Trust, N.A. Mount Pleasant GNTY 4.2 9.54 0 8.89 1,792,866 19.9% 1,532,181 0.0% 0.75 3.52 12,091Peoples Bank Lubbock 4.3 9.54 0 9.50 401,604 12.1% 359,186 1.1% 1.04 4.39 4,048First National Bank of Bosque County Valley Mills 3.5 9.53 0 9.47 120,015 5.9% 107,821 0.0% 0.77 3.10 893Extraco Banks, National Association Temple 1.0 9.52 0 9.58 1,365,633 0.8% 1,060,619 2.2% 0.96 3.49 13,129Tejas Bank Monahans 18.3 9.51 0 9.80 130,117 -17.7% 115,035 0.0% 2.00 4.42 2,605Union State Bank Florence 4.2 9.51 0 9.56 471,637 -5.2% 413,155 6.0% 0.71 2.90 3,384Texas National Bank of Jacksonville Jacksonville 7.7 9.50 0 9.12 478,011 10.8% 400,936 4.0% 1.27 4.17 5,722WestStar Bank El Paso 4.0 9.50 0 9.34 1,238,306 13.5% 1,114,185 0.0% 2.12 4.13 23,567Capital Bank, SSB El Paso 2.8 9.49 0 9.60 355,525 19.3% 284,372 0.0% 0.35 3.39 1,193First State Bank of Brownsboro Brownsboro 12.6 9.49 0 9.55 103,274 3.7% 90,811 0.0% 0.92 3.88 914Roscoe State Bank Roscoe 0.0 9.49 0 10.90 153,501 -5.1% 136,515 0.0% 0.96 4.02 1,494Blanco National Bank Blanco 1.0 9.48 0 9.92 182,882 5.5% 164,178 0.0% 1.00 4.59 1,795Veritex Community Bank Dallas VBTX 1.6 9.48 0 9.04 1,130,218 39.8% 960,396 13.2% 1.08 3.87 10,527Austin County State Bank Bellville 1.8 9.47 0 9.59 133,629 7.6% 117,033 2.9% 1.48 4.39 1,893Citizens Bank Amarillo 0.0 9.47 0 9.46 148,050 -4.5% 129,294 0.0% 1.82 4.44 2,638Stockmens National Bank in Cotulla Cotulla 0.4 9.47 0 9.51 100,775 -23.8% 91,073 0.0% 0.95 1.87 1,027Alliance Bank Sulphur Springs 5.1 9.45 0 9.39 681,401 4.3% 596,443 1.0% 1.03 3.06 6,785American Bank of Commerce Wolfforth 1.9 9.44 0 9.53 779,094 6.9% 685,191 0.0% 0.75 3.71 5,637Citizens Bank, National Association Abilene 2.0 9.43 0 9.69 105,152 0.4% 78,551 0.0% 1.98 4.45 2,105Panola National Bank Carthage 2.5 9.43 0 9.62 127,061 -4.3% 114,305 0.0% 0.90 3.24 1,164First National Bank of Trinity Trinity 1.2 9.41 0 9.30 58,213 3.3% 52,628 0.0% 1.13 3.69 654Texas Bank Financial Weatherford 4.3 9.40 0 9.11 181,401 40.6% 158,930 0.0% 2.86 5.43 4,448Texas First Bank Texas City 10.3 9.40 0 9.22 977,086 4.7% 879,947 0.0% 1.31 4.07 12,346Cowboy Bank of Texas Maypearl 2.6 9.39 0 9.48 70,078 15.8% 63,372 7.5% 2.46 4.72 1,625
Page 57
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TexasRatio
(%)
LeverageRatio
(%)
Tier 1Shortfall
(to 8%)
TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
Texas Banks, Texas Ratio <75%
NexBank SSB Dallas 1.3 9.39 0 8.32 2,983,616 44.0% 2,077,104 2.5% 2.32 3.00 55,130First National Bank of Paducah Paducah 10.6 9.38 0 9.23 45,564 0.0% 41,321 10.6% -0.02 3.02 -8Alliance Bank Central Texas Waco 11.1 9.37 0 9.11 206,751 11.1% 175,480 0.0% 0.46 3.48 891First National Bank of Ballinger Ballinger 2.7 9.37 0 9.65 149,924 1.8% 134,096 0.0% 1.18 4.23 1,797Green Bank, National Association Houston GNBC 30.1 9.37 0 9.08 3,831,985 70.7% 3,060,365 4.6% 0.51 3.95 15,364State National Bank of Big Spring Big Spring 1.3 9.37 0 9.76 321,061 -5.7% 289,323 0.0% 0.48 1.93 1,524Guadalupe National Bank Kerrville 0.3 9.35 0 9.39 128,627 3.8% 116,288 0.0% 1.23 4.05 1,516Texas National Bank Mercedes 9.7 9.35 0 8.93 202,830 42.7% 163,508 0.0% 0.98 5.50 1,672Community Bank of Snyder Snyder 1.5 9.34 0 9.62 117,544 -14.9% 105,440 0.0% 0.22 2.87 287Jacksboro National Bank Jacksboro 7.5 9.33 0 10.20 252,424 -2.8% 225,565 0.0% 1.20 3.79 3,083Hondo National Bank Hondo 1.4 9.32 0 9.95 235,228 -12.9% 210,892 0.0% 1.31 3.78 3,177City National Bank of Colorado City Colorado City 1.5 9.30 0 9.17 124,985 -6.3% 113,446 0.0% 1.37 3.25 1,746Lakeside National Bank Rockwall 17.4 9.30 0 9.21 62,270 2.6% 56,475 0.0% 0.55 3.18 338Texas Bank and Trust Company Longview 7.4 9.30 0 8.92 2,263,060 13.1% 2,031,411 2.5% 1.10 3.51 23,416Ennis State Bank Ennis 16.2 9.29 0 9.49 174,396 17.2% 148,046 0.0% 1.27 4.61 2,125Texas Community Bank Laredo 2.1 9.29 0 9.31 1,197,282 -3.6% 1,062,039 5.0% 0.82 2.91 10,003Interstate Bank, SSB Perryton 14.9 9.28 0 10.02 175,953 -7.3% 154,369 0.6% 1.21 3.75 2,239First State Bank Graham 2.2 9.27 0 9.39 146,481 -0.2% 116,584 7.5% 1.57 3.89 2,273Liberty Bank Hurst 8.5 9.25 0 8.74 433,568 7.1% 381,544 0.7% 0.78 3.98 3,169City Bank Lubbock 8.8 9.24 0 9.36 2,544,627 6.4% 2,163,563 6.5% 1.12 3.87 27,413Arrowhead Bank Llano 1.2 9.23 0 9.20 165,779 4.7% 150,382 0.0% 0.54 3.07 875Icon Bank of Texas, National Association Houston 9.9 9.22 0 8.91 744,612 12.1% 567,785 0.0% 0.97 5.27 6,820First National Bank of Evant Evant 8.0 9.21 0 9.08 76,503 2.6% 69,433 0.0% 1.95 4.39 1,454Texas Citizens Bank, National Association Pasadena 12.5 9.21 0 9.20 382,127 8.7% 331,070 6.2% 0.35 5.08 1,298Crowell State Bank Crowell 5.1 9.20 0 9.39 36,666 2.6% 32,833 0.0% 1.70 4.09 613Texas National Bank Sweetwater 0.3 9.19 0 9.60 134,659 -1.2% 120,731 0.0% 0.73 2.94 960Capital Bank Houston 6.6 9.18 0 9.11 353,963 8.9% 308,493 1.8% 1.03 4.51 3,485Pointbank Pilot Point 2.4 9.18 0 9.88 475,817 9.4% 424,831 0.5% 1.10 4.01 4,907First Bank Texas, SSB Baird 17.2 9.16 0 8.23 421,178 2.7% 370,111 0.0% 0.73 5.02 3,090Texas Heritage Bank Boerne 20.3 9.15 0 9.03 130,517 4.7% 110,899 0.0% 1.38 4.20 1,712Texan Bank, National Association Houston 11.6 9.14 0 9.55 203,648 13.9% 182,359 0.0% 0.17 3.69 347FirstBank Southwest Amarillo 2.4 9.13 0 9.27 941,009 -6.1% 838,593 0.0% 1.09 2.96 10,392First National Bank of Central Texas Waco 3.1 9.12 0 9.21 754,669 -2.3% 670,963 0.0% 1.85 3.72 14,367Community National Bank Hondo 4.0 9.11 0 9.41 194,765 -0.7% 172,295 0.0% 0.76 3.81 1,464Karnes County National Bank of Karnes City Karnes City 2.3 9.11 0 9.24 373,313 -1.7% 336,677 0.0% 1.14 3.04 4,239First National Bank of Beeville Beeville 6.0 9.10 0 9.02 321,626 -1.5% 280,149 0.0% 1.04 3.80 3,266Farmers State Bank Groesbeck 1.3 9.08 0 9.65 132,638 -1.6% 114,772 0.0% 1.23 4.05 1,639HomeBank Texas Seagoville 12.0 9.07 0 8.61 147,990 18.5% 134,148 0.0% 1.01 4.05 1,322USAA Federal Savings Bank San Antonio 9.1 9.07 0 8.13 75,057,788 6.9% 67,257,795 11.0% 0.96 4.60 663,155First State Bank Gainesville 2.2 9.04 0 8.38 1,004,582 2.7% 899,668 0.0% 1.16 3.53 11,521Fayette Savings Bank, SSB La Grange 1.2 9.03 0 9.11 101,880 2.5% 91,955 0.0% 1.30 3.62 1,334First National Bank of Burleson Burleson 0.1 9.03 0 8.78 188,303 3.0% 171,376 0.0% 1.14 3.45 2,108State National Bank of Groom Groom 43.4 9.02 0 8.92 38,993 3.7% 35,477 0.0% 0.31 4.36 114Vantage Bank Texas San Antonio 7.4 9.02 0 9.34 475,457 11.5% 426,106 0.0% 1.10 3.86 5,076Crockett National Bank San Antonio 5.0 9.01 0 8.30 619,593 13.3% 476,681 0.0% 2.49 3.85 14,375First National Bank of Lake Jackson Lake Jackson 0.0 8.97 0 11.08 252,220 6.5% 224,019 0.0% 1.14 2.33 2,843Citizens National Bank Crockett 2.1 8.96 0 9.58 98,475 2.7% 86,929 0.0% 0.48 3.44 465
Page 58
Bank City
TopLevelTicker
TexasRatio
(%)
LeverageRatio
(%)
Tier 1Shortfall
(to 8%)
TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
Texas Banks, Texas Ratio <75%
Texas Capital Bank, National Association Dallas TCBI 10.7 8.93 0 7.66 20,205,115 16.7% 16,353,064 8.0% 0.75 3.13 141,494First Bank & Trust East Texas Diboll 7.2 8.92 0 9.34 969,567 3.6% 869,976 0.0% 1.26 4.03 11,906Morris County National Bank Naples 7.4 8.92 0 9.75 97,251 2.7% 86,285 0.0% 1.18 4.37 1,142Rio Bank McAllen 9.8 8.91 0 8.73 286,289 7.8% 256,070 0.0% 1.03 5.07 2,794Bank of San Antonio San Antonio 0.0 8.89 0 8.74 563,526 12.4% 481,771 0.0% 0.89 3.57 4,772Fannin Bank Bonham 10.3 8.89 0 8.55 90,191 7.3% 81,842 0.0% 1.18 4.73 1,012First National Bank of Anson Anson 5.6 8.88 0 9.18 60,268 0.3% 54,597 0.0% 0.55 4.26 329Classic Bank, National Association Cameron 17.4 8.86 0 9.34 300,995 5.8% 269,520 0.0% 1.07 4.04 3,071Bridge City State Bank Bridge City 7.6 8.85 0 8.98 190,876 7.5% 173,163 0.0% 0.88 3.26 1,623First Bank of Celeste Celeste 4.0 8.84 0 8.84 43,074 1.4% 39,152 0.0% 0.85 3.90 359Bank of the West Grapevine 11.1 8.83 0 8.81 416,667 6.0% 378,297 0.0% 0.95 4.48 3,904Pinnacle Bank Keene 9.5 8.81 0 8.77 740,913 13.2% 645,411 0.0% 1.81 3.97 12,210Citizens State Bank Miles 0.2 8.80 0 8.34 123,342 24.2% 112,892 0.0% 2.79 5.42 3,095Kleberg Bank, N.A. Kingsville 2.7 8.80 0 9.21 502,292 1.2% 392,376 0.0% 0.96 3.74 4,758Angelina Savings Bank, SSB Lufkin 7.0 8.79 0 8.76 63,709 1.7% 57,883 0.0% 0.49 3.51 315First Financial Bank, National Association Abilene FFIN 4.5 8.78 0 9.48 6,503,755 8.3% 5,152,896 0.2% 1.56 4.18 98,384First State Bank Spearman 5.9 8.77 0 7.44 128,209 -3.9% 114,746 0.0% 0.95 3.03 1,247Castroville State Bank Castroville 0.8 8.76 0 9.27 142,104 2.2% 128,575 0.0% 0.88 3.25 1,212West Texas National Bank Midland 10.1 8.75 0 9.38 1,148,079 8.3% 1,028,509 0.0% 1.19 3.42 12,962TIB-The Independent BankersBank Farmers Branch 0.2 8.74 0 8.76 2,681,423 17.1% 2,098,874 14.9% 0.80 1.68 19,960Bank and Trust, SSB Del Rio 0.9 8.70 0 9.17 439,616 0.9% 374,471 0.0% 1.36 3.59 5,899Greater State Bank Falfurrias 20.6 8.70 0 8.66 68,789 4.9% 60,698 0.0% -0.46 5.13 -306Peoples State Bank Shepherd 0.6 8.70 0 8.58 116,544 0.2% 106,151 0.0% 0.79 3.41 869AimBank Littlefield 9.9 8.69 0 8.62 829,349 2.5% 742,131 6.8% 1.33 3.88 10,770Commercial National Bank of Texarkana Texarkana 4.3 8.68 0 8.60 201,496 4.6% 184,004 0.0% 1.35 3.50 2,768Texas Regional Bank Harlingen 9.7 8.67 0 8.37 596,030 32.5% 530,690 0.0% 0.50 4.09 2,595First National Bank of Fort Stockton Fort Stockton 5.9 8.66 0 8.95 103,343 23.8% 92,698 0.0% 0.48 3.74 492First National Bank of Tom Bean Tom Bean 8.5 8.66 0 7.74 80,328 17.6% 73,643 0.0% 1.14 4.18 799First-Lockhart National Bank Lockhart 1.7 8.66 0 8.82 224,396 9.8% 198,891 0.0% 1.21 3.90 2,618American State Bank Arp 7.3 8.65 0 8.88 274,963 -5.1% 238,676 0.0% 0.33 3.71 915First State Bank Louise 1.0 8.65 0 8.83 365,578 3.8% 331,290 1.2% 1.60 4.70 5,832Texas State Bank Lufkin 38.5 8.65 0 8.84 115,891 -0.3% 104,910 0.0% 0.25 4.54 294Texas Champion Bank Corpus Christi 48.8 8.64 0 8.67 381,606 -10.9% 293,585 5.2% -0.14 4.37 -558Central National Bank Waco 0.3 8.61 0 8.54 782,634 4.0% 676,872 0.6% 1.69 3.56 12,837Chasewood Bank Houston 18.4 8.60 0 8.51 103,052 -2.0% 94,128 0.0% -0.13 2.74 -137Commercial State Bank Palmer 16.8 8.59 0 8.91 71,782 -5.5% 64,383 0.0% 0.96 4.26 703Southwest Bank Odessa 9.6 8.59 0 8.88 329,539 -1.9% 288,618 0.0% 1.38 4.31 4,580Bank of South Texas Pharr 9.4 8.58 0 8.55 110,115 17.2% 90,176 0.0% 0.68 5.96 694Brady National Bank Brady 1.6 8.58 0 8.71 115,795 5.6% 105,512 0.0% 0.86 2.97 969First Texas Bank Georgetown 3.0 8.58 0 8.52 602,823 9.0% 548,175 0.0% 0.66 2.46 3,838State National Bank in West West 7.0 8.58 0 8.61 69,562 -2.8% 63,502 0.0% 0.15 2.25 105Texas Advantage Community Bank, National Association Alvin 0.6 8.57 0 8.60 107,397 -2.2% 98,077 1.2% 0.26 3.39 289American Bank, National Association Corpus Christi 12.0 8.56 0 9.37 1,267,784 -1.1% 1,147,404 0.0% 1.14 3.75 14,677Independent Bank McKinney IBTX 6.5 8.55 0 8.41 5,259,773 23.6% 4,174,877 12.0% 1.07 4.26 49,929First Community Bank, National Association San Benito 4.7 8.53 0 8.65 338,302 5.2% 306,787 0.0% 0.92 4.75 3,074Unity National Bank of Houston Houston 45.5 8.53 0 7.64 84,003 2.5% 76,409 4.3% 0.14 4.08 115First National Bank of McGregor McGregor 0.2 8.52 0 8.17 210,228 36.5% 191,878 26.7% 1.23 4.96 2,322
Page 59
Bank City
TopLevelTicker
TexasRatio
(%)
LeverageRatio
(%)
Tier 1Shortfall
(to 8%)
TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
Texas Banks, Texas Ratio <75%
Lovelady State Bank Lovelady 12.9 8.52 0 8.57 49,515 -0.4% 45,221 0.0% 0.71 3.57 353Jefferson Bank San Antonio 5.6 8.51 0 8.02 1,624,654 9.1% 1,342,263 0.0% 1.39 3.53 21,432Texana Bank, National Association Linden 12.2 8.51 0 8.76 148,270 -2.2% 113,528 12.6% -0.73 4.86 -1,079Woodforest National Bank The Woodlands 6.1 8.51 0 8.23 4,912,925 6.2% 4,426,761 0.0% 1.78 2.79 80,878Citizens State Bank Anton 0.0 8.50 0 8.61 33,176 -5.1% 30,118 0.0% 0.57 3.04 191Community Bank Bridgeport 0.6 8.50 0 8.49 73,918 2.8% 67,590 0.0% 0.36 3.49 266First National Bank of Lipan Lipan 4.8 8.47 0 8.41 21,248 9.1% 19,444 0.0% 0.41 2.99 83Security State Bank Winters 1.3 8.46 0 8.84 53,587 -8.0% 48,550 0.0% 0.89 3.12 499Central Bank Houston CBSI 0.1 8.41 0 8.29 583,499 8.3% 492,913 4.0% 1.44 5.03 8,099Business Bank of Texas, N.A. Austin 0.0 8.39 0 8.59 121,459 -0.6% 105,950 21.7% -1.81 3.25 -2,248Falls City National Bank Falls City 15.3 8.36 0 8.52 347,451 -2.2% 316,885 0.0% 1.44 3.70 4,994Grand Bank of Texas Grand Prairie 5.7 8.36 0 7.89 276,253 24.7% 253,302 1.0% 0.71 4.88 1,758POINTWEST Bank West 0.3 8.34 0 8.32 101,485 1.6% 86,762 0.0% 0.85 2.93 873First State Bank Clute 7.1 8.33 0 8.43 170,529 -3.5% 155,167 0.0% 0.73 3.21 1,232Commercial Bank Mason 0.0 8.31 0 8.61 41,065 2.6% 35,956 0.0% 0.99 4.11 392First State Bank Junction 0.3 8.30 0 8.93 49,272 -2.6% 44,529 0.0% 0.89 3.74 436American National Bank of Texas Terrell 2.5 8.28 0 8.57 2,606,488 4.7% 2,331,028 0.7% 0.88 3.57 22,801Southside Bank Tyler SBSI 5.3 8.27 0 8.31 5,014,565 6.2% 3,623,518 2.5% 1.04 3.41 51,222Farmers State Bank of Newcastle Newcastle 2.2 8.24 0 8.53 44,668 -1.5% 40,671 0.0% 0.99 3.60 441Fort Hood National Bank Fort Hood 0.0 8.20 0 8.16 251,656 4.3% 224,528 0.0% 0.72 2.31 1,626Brush Country Bank Freer 3.9 8.19 0 8.04 44,365 -2.4% 40,127 0.0% 0.67 4.09 300Peoples Bank Paris 3.6 8.18 0 8.72 137,363 16.9% 88,329 0.9% 1.19 3.83 1,515National Bank of Texas at Fort Worth Fort Worth 0.6 8.16 0 8.29 210,292 3.5% 192,388 0.0% 0.69 3.12 1,439Horizon Bank, SSB Austin 1.5 8.15 0 7.51 712,203 19.4% 615,133 5.1% 1.50 4.76 9,290Security Bank Midland 13.9 8.14 0 8.38 846,359 -10.6% 740,238 0.0% 0.70 4.89 6,200Bank of Brenham, National Association Brenham 2.0 8.13 0 7.99 239,097 81.3% 209,243 0.0% 0.76 3.58 1,311Citizens State Bank Waco 9.4 8.10 0 7.63 171,053 11.4% 132,456 0.0% 0.84 4.46 1,269First National Bank of Edgewood Edgewood 0.0 8.07 0 8.25 24,465 18.6% 22,376 0.0% 0.20 2.93 47First National Bank of Shiner Shiner 0.0 8.07 0 9.48 648,355 17.2% 580,692 0.0% 1.09 3.55 6,335First National Bank of Woodsboro Woodsboro 5.3 8.05 0 8.73 65,788 4.7% 60,029 0.0% 0.44 3.11 276Frost Bank San Antonio CFR 7.5 7.98 5,375 8.48 28,467,954 1.0% 24,253,057 0.0% 1.00 3.33 279,307First National Bank Texas Killeen 1.9 7.97 494 8.15 1,612,951 14.8% 1,424,636 0.1% 0.99 3.04 14,310First State Bank of San Diego San Diego 1.3 7.90 74 7.75 75,126 -9.5% 69,244 0.0% 1.08 3.12 790First Bank and Trust of Childress Childress 50.2 7.89 96 7.94 90,846 4.8% 83,452 0.0% 0.91 3.30 812First Command Bank Fort Worth 2.6 7.82 1,253 7.31 744,589 3.0% 659,925 0.0% 1.57 2.79 10,819First Commercial Bank, National Association Seguin 0.0 7.80 322 7.77 163,486 5.4% 149,755 0.0% 0.84 4.30 1,311Atascosa National Bank Pleasanton 0.0 7.68 297 7.60 93,381 -9.2% 86,129 0.0% 0.25 1.48 234Pecos County State Bank Fort Stockton 11.3 7.61 918 8.03 232,907 7.6% 213,032 0.0% 1.10 3.73 2,450Texas First State Bank Riesel 3.0 7.60 1,531 7.62 387,806 -0.5% 356,914 0.0% 0.47 2.78 1,757First National Bank of Sterling City Sterling City 0.8 7.57 742 7.59 170,490 0.1% 157,141 0.0% 0.71 2.61 1,129Pegasus Bank Dallas 0.0 7.47 2,220 7.53 416,969 14.7% 384,594 0.0% 0.72 3.10 2,796Citizens National Bank Henderson 6.6 7.42 9,629 7.54 1,695,427 3.8% 1,520,997 0.0% 0.70 3.40 11,495Muleshoe State Bank Muleshoe 5.5 7.31 776 7.84 109,474 -1.3% 99,778 0.0% 0.58 3.59 659Community National Bank & Trust of Texas Corsicana 12.5 7.29 3,598 7.63 508,801 -4.4% 455,897 0.0% 1.23 4.65 6,478First State Bank Abilene 59.1 7.26 273 7.32 37,490 -10.3% 34,113 0.0% 0.25 2.89 100First National Bank of Mertzon Mertzon 2.7 7.25 2,409 7.02 329,614 -3.5% 306,250 0.0% 0.51 1.90 1,581Prosperity Bank El Campo PB 3.7 7.23 156,507 7.22 21,964,368 1.7% 17,899,090 0.8% 1.33 3.35 289,416
Page 60
Bank City
TopLevelTicker
TexasRatio
(%)
LeverageRatio
(%)
Tier 1Shortfall
(to 8%)
TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
Texas Banks, Texas Ratio <75%
Tolleson Private Bank Dallas 0.2 7.18 4,624 7.09 571,399 7.0% 529,872 0.2% 1.47 2.48 7,986First Security State Bank Cranfills Gap 4.0 7.13 977 7.18 113,129 -1.8% 103,674 0.0% 0.91 3.10 1,031First State Bank of Uvalde Uvalde 1.2 6.93 15,745 7.50 1,513,052 7.4% 1,388,410 0.0% 1.06 2.28 14,989Charter Bank Corpus Christi 8.6 6.54 3,963 8.98 270,502 0.0% 232,317 0.0% 2.90 6.80 7,857Citizens State Bank Ganado 0.0 6.42 989 6.33 62,254 -2.0% 58,043 0.0% -0.11 2.11 -70First Bank & Trust Company Dawson 18.2 6.40 625 6.56 38,680 -1.4% 36,092 0.0% -0.25 3.16 -99
Page 61
Bank
SNL Institution Key City
TopLevelTicker
TexasRatio
(%)
LeverageRatio
(%)
Tier 1Shortfall
(to 8%)
TCE/TA(%)
TotalAssets($000)
1-YearChange in
Total Assets(%)
TotalDeposits
($000)Brokered
(%)
LTMROAA
(%)
NIM(FTE)
(%)
LTM NetIncome
($000)
None 0
Texas Banks, Texas Ratio >75%
Page 62
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Grundy National Bank Grundy 32.1 21.46 0 21.13 330,300 2.8% 259,817 0.0% 0.86 3.63 2,797
Farmers & Merchants Bank of Craig County New Castle 3.4 18.74 0 18.81 55,879 1.3% 45,183 0.0% 1.05 4.02 586
Powell Valley National Bank Jonesville 7.8 16.53 0 16.65 268,153 -0.6% 220,011 0.0% 1.05 4.16 2,790
Bank of Southside Virginia Carson BSSC 8.1 16.15 0 16.65 543,932 -2.1% 446,262 0.0% 1.27 3.60 6,987
National Bank of Blacksburg Blacksburg NKSH 9.8 15.06 0 14.32 1,205,779 3.7% 1,018,829 0.0% 1.38 3.78 16,037
Lee Bank and Trust Company Pennington Gap 18.5 14.79 0 13.44 158,683 2.6% 135,391 0.0% 0.25 4.49 385
Martinsville First Savings Bank Martinsville 43.4 14.55 0 14.69 42,393 -0.8% 36,090 0.0% 0.68 3.09 289
Bank of Charlotte County Phenix 5.6 13.80 0 14.20 131,879 0.8% 107,795 0.0% 1.04 4.44 1,373
Virginia Bank and Trust Company Danville VABB 15.0 13.69 0 12.75 188,473 3.6% 162,168 0.0% 0.98 4.07 1,778
Citizens Bank and Trust Company Blackstone CZBT 17.2 13.19 0 13.00 348,438 2.1% 293,071 0.0% 1.07 3.68 3,699
Farmers and Miners Bank Pennington Gap 7.1 12.99 0 13.01 136,006 -1.2% 117,782 0.0% 0.76 4.32 1,039
Citizens National Bank Windsor 3.9 12.79 0 13.07 53,803 -3.4% 46,633 1.1% 0.38 4.45 208
Bank of Hampton Roads Virginia Beach HMPR 21.2 12.69 0 15.43 2,047,013 22.5% 1,696,561 2.9% 5.27 3.97 95,975
Community Capital Bank of Virginia Christiansburg 6.1 12.67 0 12.53 109,050 31.4% 88,694 36.8% 0.50 3.29 482
Farmers Bank of Appomattox Appomattox FBPA 3.5 12.57 0 12.46 227,730 4.3% 196,473 0.0% 1.03 3.90 2,287
Community Bankers' Bank Midlothian 4.6 12.45 0 12.05 145,981 2.7% 116,372 23.8% 0.50 2.48 704
Burke & Herbert Bank & Trust Company Alexandria BHRB 9.8 12.17 0 12.39 2,706,368 1.5% 2,225,778 1.5% 1.15 3.76 30,409
Freedom Bank of Virginia Fairfax FDVA 2.3 12.12 0 11.61 425,134 20.2% 365,263 19.4% 0.51 3.89 1,978
Blue Grass Valley Bank Blue Grass 51.9 12.09 0 12.04 37,980 -1.5% 33,237 0.0% 0.68 4.27 261
Farmers & Merchants Bank Timberville FMBM 16.7 11.98 0 11.65 687,870 6.6% 497,441 2.9% 1.30 4.37 8,531
First and Citizens Bank Monterey 15.3 11.90 0 11.96 125,323 -2.2% 109,733 0.0% 0.64 3.47 802
First Bank and Trust Company Lebanon 9.9 11.87 0 11.77 1,495,611 7.7% 1,243,674 9.4% 1.40 3.95 20,103
New Horizon Bank, National Association Powhatan 18.8 11.81 0 12.05 63,133 11.1% 55,359 3.1% 0.55 4.78 323
John Marshall Bank Reston JMSB 5.6 11.80 0 11.71 941,245 13.3% 738,067 11.4% 0.82 3.90 7,320
Highlands Community Bank Covington 8.2 11.55 0 12.37 134,659 1.6% 116,821 0.0% 1.19 4.12 1,577
American National Bank and Trust Company Danville AMNB 4.7 11.50 0 11.36 1,580,264 2.8% 1,297,645 2.4% 1.08 3.73 16,420
Bank of Clarke County Berryville EFSI 14.3 11.49 0 11.50 659,763 7.7% 560,633 4.1% 0.90 4.08 5,704
Benchmark Community Bank Kenbridge BMBN 8.1 11.46 0 11.48 535,440 8.6% 469,808 0.5% 1.25 4.64 6,451
Bank of Marion Marion 13.1 11.43 0 11.81 355,807 -1.2% 306,032 0.0% 0.70 3.66 2,503
Bank of McKenney McKenney BOMK 26.3 11.31 0 11.39 221,718 0.9% 193,718 0.6% 0.79 4.63 1,716
Farmers Bank Windsor FBVA 18.3 11.28 0 12.14 414,882 -2.1% 334,862 1.5% 1.03 3.72 4,245
Monarch Bank Chesapeake MNRK 2.0 11.26 0 10.66 1,212,196 2.9% 1,064,265 19.8% 1.25 4.29 14,010
CornerStone Bank, National Association Lexington 15.7 11.18 0 10.62 127,401 12.2% 113,658 0.0% 0.47 4.27 564
WashingtonFirst Bank Reston WFBI 6.7 11.13 0 10.82 1,755,481 22.2% 1,423,592 2.9% 1.00 3.73 15,541
Frontier Community Bank Waynesboro 2.0 10.94 0 10.83 103,438 11.3% 89,507 0.5% 0.34 3.20 337
HomeTown Bank Roanoke HMTA 17.6 10.86 0 10.76 493,322 12.8% 414,665 7.2% 0.82 3.79 3,805
Blue Ridge Bank Luray BRBS 1.2 10.79 0 10.78 269,717 10.6% 212,943 5.0% 1.06 3.69 2,739
Pioneer Bank Stanley PNBI 36.2 10.72 0 10.61 186,359 8.7% 150,216 4.7% 1.00 5.16 1,786
Sonabank McLean SONA 9.9 10.71 0 10.10 1,083,833 15.7% 859,182 9.7% 0.99 4.02 9,992
Virginia Banks, Texas Ratio <75%
Page 63
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Virginia Banks, Texas Ratio <75%
TowneBank Portsmouth TOWN 9.1 10.70 0 10.36 6,365,170 9.2% 4,981,843 5.2% 1.07 3.40 65,663
Chesapeake Bank Kilmarnock CPKF 15.1 10.64 0 11.18 688,748 4.4% 581,617 9.2% 1.13 4.69 7,489
Citizens Community Bank South Hill CZYB 4.9 10.60 0 10.56 186,277 7.9% 159,348 0.6% 0.51 3.87 896
United Bank Vienna UBSI 8.7 10.49 0 10.35 7,323,390 4.0% 4,911,779 8.9% 1.20 3.65 87,012
Virginia Community Bank Louisa VCBS 24.3 10.48 0 10.51 216,128 0.5% 192,723 0.0% 0.85 4.21 1,814
Bank @LANTEC Virginia Beach 6.0 10.44 0 11.43 111,581 3.3% 87,986 0.0% 0.19 3.26 213
Virginia Commonwealth Bank Petersburg 15.4 10.43 0 10.51 327,378 11.1% 243,305 1.3% 0.72 3.34 2,193
Old Point National Bank of Phoebus Hampton OPOF 11.8 10.35 0 10.10 851,716 -3.5% 727,096 1.0% 0.38 3.58 3,314
First Virginia Community Bank Fairfax FVCB 17.0 10.32 0 10.19 740,904 22.5% 660,697 13.9% 0.92 3.74 6,181
Xenith Bank Richmond XBKS 9.3 10.24 0 10.72 1,020,669 3.2% 872,408 13.5% 0.43 3.37 4,419
Oak View National Bank Warrenton OAKV 0.0 10.23 0 10.14 183,201 6.9% 146,924 0.0% 0.47 3.60 836
Cardinal Bank McLean CFNL 0.1 10.22 0 10.19 4,038,244 18.4% 3,178,481 15.2% 1.25 3.39 47,283
Union Bank & Trust Richmond UBSH 6.0 10.12 0 9.92 7,819,091 6.2% 5,952,737 0.1% 0.97 3.87 73,001
First Sentinel Bank Richlands 13.8 10.04 0 9.84 188,676 4.6% 163,751 0.2% 0.95 5.03 1,759
Bank of Botetourt Buchanan BORT 27.6 9.96 0 9.45 345,175 8.9% 310,050 0.6% 0.77 4.05 2,471
Citizens and Farmers Bank West Point CFFI 6.0 9.91 0 10.06 1,401,218 3.0% 1,075,225 0.3% 0.99 6.43 13,591
Select Bank Forest 7.6 9.91 0 9.44 158,728 15.1% 143,020 0.0% 0.74 3.60 1,087
New Peoples Bank, Inc. Honaker NWPP 47.6 9.83 0 9.74 636,156 -3.6% 556,817 2.2% 0.53 4.08 3,377
First National Bank Altavista PPBN 11.7 9.82 0 9.28 377,290 0.6% 338,779 0.0% 0.79 3.71 2,914
River Community Bank, National Association Martinsville 20.5 9.73 0 9.81 111,866 -4.7% 95,156 4.0% 1.25 5.20 1,453
Virginia National Bank Charlottesville VABK 2.9 9.69 0 9.77 555,407 2.2% 479,959 3.6% 0.80 3.31 4,462
Essex Bank Richmond ESXB 17.4 9.68 0 9.69 1,159,797 2.0% 937,236 6.8% -0.08 3.91 -881
Miners Exchange Bank Coeburn 25.5 9.67 0 9.84 109,178 3.7% 97,265 0.0% 0.39 4.54 426
EVB Tappahannock EVBS 17.4 9.55 0 9.94 1,285,435 7.6% 1,013,572 6.0% 0.78 3.92 9,686
First Community Bank Bluefield FCBC 14.9 9.52 0 9.78 2,447,052 -4.5% 1,879,773 0.1% 1.02 4.04 25,273
Village Bank Midlothian VBFC 53.4 9.50 0 9.45 420,588 -3.5% 371,229 0.4% 0.83 3.52 3,489
Peoples Bank Rose Hill 7.9 9.45 0 9.40 120,410 10.8% 103,256 5.5% 1.09 4.35 1,256
Bank of the James Lynchburg BOTJ 10.6 9.37 0 9.29 525,022 7.5% 474,626 2.5% 0.81 3.88 4,125
Grayson National Bank Independence GSON 27.7 9.33 0 9.70 319,720 -3.8% 277,693 0.0% 0.33 3.62 1,097
Fauquier Bank Warrenton FBSS 5.4 9.33 0 9.17 602,153 1.1% 526,734 3.9% -0.06 3.67 -352
Bank of Fincastle Fincastle BFTL 65.9 9.22 0 9.19 218,246 -2.4% 197,287 0.0% -2.64 3.21 -5,813
Middleburg Bank Middleburg MBRG 18.0 9.11 0 9.09 1,342,502 6.6% 1,086,041 5.4% 0.63 3.28 7,949
Bank of Lancaster Kilmarnock BAYK 18.3 9.03 0 8.79 442,263 13.1% 357,154 2.3% 0.20 3.55 849
Peoples Community Bank Montross PBVA 23.2 8.99 0 8.94 162,832 1.9% 142,257 3.3% 0.58 3.96 937
MainStreet Bank Fairfax MNSB 1.4 8.98 0 8.67 497,809 38.6% 403,223 4.6% 0.59 3.88 2,619
Old Dominion National Bank North Garden 28.3 8.90 0 9.18 45,634 4.1% 41,194 0.0% -4.91 3.12 -2,341
Virginia Partners Bank Fredericksburg 7.0 8.71 0 8.66 309,487 16.0% 261,461 6.0% 0.33 3.33 958
Access National Bank Reston ANCX 7.5 8.38 0 8.38 1,216,439 13.8% 970,153 21.5% 1.48 3.67 17,006
Chain Bridge Bank, National Association McLean 0.0 8.32 0 7.86 469,230 16.5% 431,030 0.3% 0.61 2.78 2,683
Page 64
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Virginia Banks, Texas Ratio <75%
Capital One, National Association McLean COF 13.0 8.28 0 8.30 271,187,531 7.1% 208,821,499 2.2% 0.50 3.78 1,296,139
First Bank Strasburg FXNC 10.7 8.22 0 7.91 700,500 32.3% 637,204 0.1% 0.55 3.54 3,752
TruPoint Bank Grundy 17.1 8.13 0 9.28 439,587 -2.2% 381,603 0.0% 0.02 3.25 102
Bank of Floyd Floyd CDBK 0.4 7.65 917 7.69 254,842 -8.2% 218,110 0.0% 0.31 3.38 824
Carter Bank & Trust Martinsville CARE 53.1 7.63 18,202 7.66 4,923,913 4.7% 4,480,474 0.0% 0.80 2.49 39,038
Highlands Union Bank Abingdon HLND 34.8 7.60 2,397 8.96 618,380 1.2% 494,035 0.0% 0.22 3.47 1,363
Bank of Virginia Midlothian BVA 15.1 7.43 2,000 7.46 347,783 7.2% 290,827 22.3% -0.13 2.74 -454
Page 65
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
First State Bank Danville 131.6 3.24 1,699 3.34 34,545 -12.5% 33,280 0.0% -1.60 4.58 -610
Virginia Banks, Texas Ratio >75%
Page 66
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
Citizens Bank of Morgantown, Inc. Morgantown 1.2 17.97 0 18.06 35,421 0.9% 22,492 0.0% 0.89 4.96 318
Hancock County Savings Bank, FSB Chester 8.1 16.97 0 17.40 340,375 -4.4% 270,369 0.0% 0.68 3.31 2,428
First Peoples Bank, Inc. Mullens 2.7 15.89 0 15.91 124,560 0.1% 104,393 2.0% 0.51 2.11 639
Bank of Monroe Union 5.2 15.33 0 14.57 125,885 2.5% 106,187 0.0% 1.02 3.86 1,258
Miners and Merchants Bank Thomas 5.4 15.33 0 15.25 55,645 1.9% 47,102 0.0% 0.49 2.90 266
Huntington Federal Savings Bank Huntington 6.5 15.07 0 14.61 551,429 1.8% 468,112 0.0% 0.62 2.66 3,383
Putnam County Bank Hurricane 23.3 14.00 0 13.46 653,562 2.9% 560,011 0.0% 1.01 3.20 6,462
Clay County Bank, Inc. Clay 3.7 13.91 0 13.94 84,287 2.8% 71,989 0.0% 1.10 4.32 909
First National Bank of Williamson Williamson 10.5 13.71 0 15.21 87,708 -7.7% 72,921 0.0% -0.79 4.42 -713
Mountain Valley Bank, N.A. Elkins MTVB 1.6 13.55 0 12.66 135,108 1.2% 113,576 0.0% 0.64 3.78 851
Pioneer Community Bank, Inc. Iaeger 23.8 13.36 0 13.52 115,363 -2.2% 96,898 0.0% 0.31 4.97 362
Grant County Bank Petersburg HBSI 19.0 13.15 0 11.94 249,552 4.3% 208,184 0.0% 1.02 4.49 2,479
Northern Hancock Bank & Trust Company Newell 32.5 12.91 0 13.12 26,115 -2.6% 22,136 0.0% 0.64 7.75 171
Pendleton Community Bank, Inc. Franklin 17.8 12.41 0 12.56 270,650 2.1% 230,704 0.6% 1.21 4.67 3,258
Davis Trust Company Elkins 49.8 12.22 0 10.10 146,059 1.0% 129,961 0.0% 0.42 3.95 588
First National Bank of Peterstown Peterstown 5.9 11.76 0 11.68 63,557 1.7% 55,960 0.0% 0.33 3.50 211
Williamstown Bank, Inc. Williamstown 13.7 11.76 0 11.84 150,254 -1.5% 131,651 0.0% 1.08 4.61 1,619
Bank of Mount Hope, Inc. Mount Hope 0.0 11.69 0 11.93 131,193 3.3% 107,820 0.0% 0.64 3.16 862
Bank of Romney Romney 37.4 11.60 0 10.33 260,451 -1.5% 197,634 2.5% 0.66 3.84 1,724
Clear Mountain Bank Bruceton Mills 12.5 11.04 0 10.82 533,930 4.7% 466,523 3.8% 1.02 4.05 5,322
First Century Bank, Inc. Bluefield FCBS 29.9 11.01 0 9.74 410,011 -0.5% 350,636 0.9% 0.65 3.46 2,686
Fayette County National Bank of Fayetteville Fayetteville 13.0 10.91 0 11.54 95,844 3.9% 80,565 0.0% 0.81 3.99 795
First Neighborhood Bank Spencer 2.9 10.87 0 10.72 145,299 -0.3% 128,544 0.0% 0.69 3.91 987
First Bank of Charleston, Inc. Charleston 22.0 10.87 0 10.78 198,403 -6.7% 150,108 30.4% 0.06 3.57 118
Community Bank of Parkersburg Parkersburg 8.9 10.85 0 11.17 230,395 -6.0% 168,235 0.0% 1.25 4.13 2,852
Capon Valley Bank Wardensville HBSI 31.6 10.81 0 10.78 150,124 -1.4% 129,720 2.0% 0.70 4.49 1,047
Premier Bank, Inc. Huntington PFBI 19.0 10.80 0 9.90 1,103,133 25.4% 950,768 0.1% 1.12 4.38 10,223
BCBank, Inc. Philippi 33.8 10.76 0 9.92 114,505 -1.5% 95,129 0.0% -0.23 3.61 -261
Citizens Bank of West Virginia, Inc. Elkins CIWV 22.2 10.72 0 9.61 233,020 5.3% 185,366 1.2% 0.70 4.19 1,554
Summit Community Bank, Inc. Moorefield SMMF 23.7 10.72 0 10.61 1,501,134 3.3% 1,096,880 12.7% 1.16 3.52 17,142
Pleasants County Bank Saint Marys 5.1 10.49 0 10.40 66,115 -6.7% 58,671 0.0% 0.63 3.41 422
Poca Valley Bank, Inc. Walton 10.2 10.49 0 10.94 323,569 -0.1% 275,975 1.8% 0.85 4.17 2,723
Rock Branch Community Bank, Inc. Nitro 23.2 10.43 0 10.67 74,955 2.6% 66,735 14.8% 0.49 4.26 361
Citizens Bank of Weston, Inc. Weston 16.6 10.34 0 10.02 197,526 1.4% 165,034 0.0% 0.92 3.24 1,785
CNB Bank, Inc. Berkeley Springs CBFC 15.2 10.24 0 9.08 321,929 4.8% 272,077 0.0% 0.61 3.70 1,923
United Bank, Inc. Parkersburg UBSI 15.8 10.13 0 9.78 5,465,656 2.3% 4,461,761 14.2% 1.03 3.41 55,380
Doolin Security Savings Bank, FSB New Martinsville 2.3 10.12 0 11.08 48,033 -2.5% 42,472 0.0% -1.26 2.36 -619
Calhoun County Bank, Inc. Grantsville CHBK 16.4 10.11 0 9.65 133,167 1.6% 116,449 0.0% 0.71 4.71 937
Harrison County Bank Lost Creek 2.3 9.97 0 9.88 106,662 2.5% 95,648 0.0% 0.83 3.64 864
MCNB Bank and Trust Co. Welch MKIN 64.8 9.90 0 9.99 295,857 0.3% 253,769 2.2% -0.03 3.34 -82
First Exchange Bank Mannington 23.1 9.83 0 9.96 221,598 7.7% 183,240 0.0% 1.65 4.03 3,565
First Sentry Bank, Inc. Huntington FTSB 8.5 9.67 0 9.56 512,555 2.3% 411,137 21.1% 0.98 3.59 4,947
West Virginia Banks, Texas Ratio <75%
Page 67
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
West Virginia Banks, Texas Ratio <75%
Progressive Bank, National Association Wheeling FWVB 8.9 9.63 0 10.17 347,067 1.9% 278,469 0.0% 0.61 3.04 2,062
Cornerstone Bank, Inc. West Union 1.2 9.62 0 9.69 173,090 -2.4% 154,653 0.0% 0.70 2.61 1,231
Freedom Bank, Inc. Belington 53.4 9.60 0 9.71 156,895 3.5% 135,111 1.0% 0.50 3.69 763
Bank of Charles Town Charles Town PTBS 23.6 9.38 0 8.73 356,201 9.6% 310,269 4.4% 0.76 3.64 2,566
MVB Bank, Inc. Fairmont MVBF 11.4 9.34 0 8.74 1,430,295 19.8% 1,095,846 2.7% 0.81 3.67 10,353
FNB Bank, Inc. Romney 32.6 9.19 0 10.24 173,852 2.7% 139,631 11.1% 0.73 3.77 1,276
Logan Bank & Trust Company Logan 8.3 9.15 0 8.99 267,322 -1.4% 241,486 0.0% 0.51 2.72 1,357
WesBanco Bank, Inc. Wheeling WSBC 6.6 8.80 0 8.72 8,553,796 4.2% 6,143,904 6.2% 1.11 3.41 93,186
Main Street Bank Corp. Wheeling 20.1 8.64 0 8.40 383,808 10.7% 327,051 10.5% 1.20 4.17 4,258
Whitesville State Bank Whitesville 16.1 8.62 0 8.78 105,248 4.3% 95,298 2.3% 0.38 4.15 384
West Union Bank West Union 3.1 8.58 0 8.71 163,992 1.3% 145,406 0.0% 0.54 3.08 877
First Federal Savings and Loan Association of Ravenswood Ravenswood 0.0 8.42 0 9.83 16,879 1.8% 15,155 0.0% 0.45 3.64 75
Jefferson Security Bank Shepherdstown JFWV 34.4 8.23 0 7.58 284,356 -0.1% 259,578 0.0% 0.44 3.08 1,246
City National Bank of West Virginia Charleston CHCO 14.8 8.04 0 7.34 3,812,796 7.8% 3,218,151 0.2% 1.35 3.54 48,741
Union Bank, Inc. Middlebourne 3.7 7.74 594 8.92 237,051 -0.2% 206,704 1.7% 1.19 3.27 2,789
Bank of Mingo Williamson 29.4 6.40 1,272 6.57 78,048 -18.4% 72,847 0.0% -1.20 3.78 -1,024
Page 68
Bank City
Top
Level
Ticker
Texas
Ratio
(%)
Leverage
Ratio
(%)
Tier 1
Shortfall
(to 8%)
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
Brokered
(%)
LTM
ROAA
(%)
NIM
(FTE)
(%)
LTM Net
Income
($000)
First State Bank Barboursville 268.2 5.77 5,183 6.49 227,766 -9.3% 207,299 14.6% -1.84 3.78 -4,418
West Virginia Banks, Texas Ratio >75%
Page 69
Arkansas: Tennessee:
Simmons First Trust Company
Florida:
Virginia:
Banco Do Brasil Americas
Canandaigua National Trust Company of Florida
Desjardins Bank, National Association
MEMBERS Trust Company
Mercantil Commercebank N.A.
Mercantil Commercebank Trust Company, N.A.
Raymond James Trust, National Association
Natbank, National Association
Independence Trust Company
First Financial Trust & Asset Management Co.
Legacy Trust Company, N.A.
Wells Fargo Bank South Central, N.A.
Capital One Bank (USA), N.A.
E*TRADE Bank
E*TRADE Savings Bank
HSBC Bank USA, N.A.
Old Point Trust & Financial Services, N.A. Trust
Company of Virginia
NatBank N.A.
VNBTrust, National Association
West Virginia:
TCM Bank
Security National Trust Company
Georgia:
Atlantic Trust Company, N.A.
Synovus Trust Company, N.A.
Kentucky:
Unified Trust Company, National Association
North Carolina:
Cedar Hill National Bank
RBC Bank (Georgia), National Association
Excluded Companies
Excluded companies are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which
necessary data is not available as of the report date.
Texas:
Page 70
Disclaimer
desire and, in fact, provides only a limited view of a particular market.
This material has been prepared by individual personnel of Banks Street Partners, and not by a research
department. It is not investment research or a research recommendation, as it does not constitute substantive
research or analysis. It is intended for institutional customers and accredited investors of BANKS STREET
PARTNERS, LLC only, is provided for informational purposes, is intended for your use only and does not
constitute an invitation or offer to subscribe for or purchase any of the products or services mentioned. The
information provided is not intended to provide a sufficient basis on which to make an investment decision. This
material may have previously been communicated to other BANKS STREET PARTNERS, LLC clients.
BANKS STREET PARTNERS, LLC may, from time to time, participate or invest in transactions with issuers of
securities that participate in the markets referred to herein, perform services for or solicit business from such
issuers, and/or have a position or effect transactions in the securities or derivatives thereof.
Past performance should not be taken as an indication or guarantee of future performance, and no representation
or warranty, expressed or implied is made regarding future performance. The information set forth above has
been obtained from or based upon sources believed by BANKS STREET PARTNERS, LLC and personnel to be
reliable, but each of the personnel and BANKS STREET PARTNERS, LLC does not represent or warrant its
accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes
in market factors. This material does not purport to contain all of the information that an interested party may
Source: SNL Financial
All financial data is for the twelve months ended March 31, 2016
Page 71