The Best of the Best for 2015

Illustration: Jeff Rogers

Illustration: Jeff Rogers

ICBA’s top-performing community banks serve their customers, pursue change and focus on the fundamentals

Behind the Numbers of ICBA Top Performers
As part of its annual performance rankings of ICBA member institutions, Independent Banker pulled year-end FDIC call report earnings data to identify the top 25 community banks in six asset-size categories, both for Subchapter C corporation and Subchapter S corporation banks. Each top-25 listing measures community banks by their return on average assets (ROA) and return on average equity (ROE) ratios for all of 2014. All of the community banks were formed before 2014 and were ICBA members as of Dec. 31, 2014.

To allow for the most equitable peer-to-peer comparisons, ICBA ranked its member community banks within these six asset-size categories:

ICBA congratulates all the community banks that earned their way into this year’s ICBA rankings of top industry performers of 2014.

Every community bank has its own formula for success, particularly the most successful ones. Yet every year the similarities among ICBA’s annual best-performing community banks begin to stand out. This year is no exception.

Whether they’re small community banks serving rural areas or large community banks serving sprawling metropolitan complexes, the most efficient and well-managed community banks typically have common traits. They all focus foremost on serving their customers and communities first. They operate with a carefully considered game plan. They adhere to well-known industry fundamentals—most often delivering superior service while following disciplined pricing models. And while closely monitoring and measuring their progress toward specific goals, they energetically pursue the meaningful change for their customers, employees and shareholders.

Congratulations to this year’s ICBA high-achieving member community banks—our industry’s best. Their stories demonstrate that passion, perseverance and ingenuity have never been stronger within our industry.

Top-performer listings

Read about many of ICBA’s top industry performers …

Citizens Community Bank in Winchester, Tenn.
Mid America Bank & Trust Co. in Dixon, MO.
The Neffs National Bank in Neffs, Pa.
Ozark Heritage Bank, N.A. in Mountain View, Ark.
Quail Creek Bank in Oklahoma City, Okla.
The Bank in Oberlin, Kan.
Wilshire Bank in Los Angeles
Tri Valley Bank in Talmage, Neb.
River Valley Bank in Wausau, Wis.
BankSouth in Lake Oconee, Ga.
Austin Capital Bank SSB in Austin, Texas
The First National Bank of Las Animas, in Las Animas, Colo.
First Central Bank McCook, in McCook, Neb.
Community First Bank of the Heartland in Mt. Vernon, Ill.
Treasure State Bank in Missoula, Mont.
Oregon Community Bank in Oregon, Wis.
Mohave State Bank in Lake Havasu City, Ariz.
First Bank & Trust in Brookings, S.D.
Crestmark Bank in Troy, Mich.
Synergy Bank in Houma, La.
American State Bank in Sioux Center, Iowa
Security First Bank of North Dakota in New Salem, N.D.
Peoples Bank in Mendenhall, Miss.
First Bank in Strasburg, Va.