The Best of the Best for 2016

Illustration by Luke Lucas
Illustration by Luke Lucas

ICBA’s top-performing community banks tell their stories

The Listings

See this year’s ICBA best performers based on Return on Average Assets (ROAA) and Return on Average Equity (ROAE).

Subchapter C Corporations

Subchapter S Corporations

When an industry’s top performers tell their stories, people listen. In this month’s Independent Banker many of the latest top-performing ICBA member community banks tell their stories of achievements and successes during the past year. Reading their accounts offers, both directly and sometimes gleaning between the lines, insights and inspiration.

Independent Banker has once again identified the latest top-performing community banks using year-end FDIC call report earnings data for 2015. In those rankings, the top 25 community banks with the best return on average assets (ROAA) and return on average equity (ROAE) ratios are identified. The top ratios are listed for Subchapter C corporation and Subchapter S corporation community banks in six asset-size categories.

The successes of these top-performing community banks reflect distinct circumstances as well as an adherence to common industry principles, such as integrity and superior customer service, disciplined game plans and pricing models, and old-fashioned hard work.

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

ICBA’s top performing community banks tell their stories

“A Pioneering Equity Builder,”
Five Star Bank in Sacramento, Calif.

“Diversified Business Specialties,”
Magnolia Bank in Magnolia, Ky.

“It’s the Company We Keep,”
Stockman Bank in Miles City, Mont.

“Rebounding on Real Estate Lending,”
University Bank in Ann Arbor, Mich.

“Continual Improvement,”
First Bank of Berne in Berne, Ind.

“Record Earnings, Despite Challenges,”
Gulf Coast Bank & Trust Co. in New Orleans, La.

“Serving Diverse Needs,”
Spring Bank in Bronx, N.Y.

“Strategy for Success,”
Frandsen Bank & Trust in Arden Hills, Minn.

“Strong Credits, Top People,”
Clear Lake Bank & Trust Co. in Clear Lake, Iowa

“Focusing on Being Premier,”
Grand Ridge National Bank in Grand Ridge, Ill.

“Thriving, Not Just Surviving,”
People’s Intermountain Bank in American Fork, Utah

“Investing in Innovation,”
Northpointe Bank in Grand Rapids, Mich.

“Our Employees Are Primary,”
River Community Bank in Martinsville, Va.

“Do What You Say,”
Citizens National Bank of Texas in Waxahachie, Texas

“Operating in Six States,”
First Savings Bank in Beresford, S.D.

“Locally Owned Still Matters,”
State Bank of Wheaton in Wheaton, Minn.

“Strategically Different,”
Heartland Bank in Gahanna, Ohio

“Putting Relationships F-I-R-S-T,”
EagleBank in Bethesda, Md.

“Growth, Service and Flexibility,”
Wallis State Bank in Wallis, Texas

“An Agricultural Expertise,”
Ruby Valley National Bank in Twin Bridges, Mont.

“Ripple Effects,”
North Valley Bank in Thornton, Colo.

“Basics and Niche Markets,”
Goodfield State Bank in Goodfield, Ill.

“Discipline and Common Sense,”
HNB National Bank in Hannibal, Mo.

“Roots—Not Just Branches,”
Citizens Bank of Las Cruces in Las Cruces, N.M.

“Simple Game Plan, Rigorous Execution,”
First Bank & Trust East Texas in Diboll, Texas

Online Articles

“A Welcome Alternative,”
Yampa Valley Bank in Steamboat Springs, Colo.

“Relationships, One Client at a Time,”
CBB Bank in Los Angeles

“Not Resting on Successes,”
United Community Bank of West Kentucky, in Morganfield, Ky.

“Our Different Model,”
First International Bank & Trust in Fargo, N.D.

“Through the Eyes of a Teller,”
Utah Community Bank in Sandy, Utah

“Several Long Histories,”
State Bank of Scotia, in Scotia, Neb.

“Appreciating Customers and Employees,”
Coffee County Bank in Manchester, Tenn.

“Our Name Explains Our Success,”
Sanibel Captiva Community Bank in Sanibel, Fla.

“Knowing the Customer,”
Industry State Bank in Industry, Texas

“Same Story, Three Decades On,”
Citizens Bank in Carthage, Tenn.

“Modern Banking, Old-Fashioned Values,”
HomeTown Bank of Alabama, in Oneonta, Ala.

“Relationships, not Transactions,”
Santa Cruz County Bank in Santa Cruz, Calif.

“Devoted to Our Mission,”
Bank of Glen Ullin in Glen Ullin, N.D.

“Creating a Model Bank,”
Bank VI in Salina, Kan.

“Contemporary Roots,”
Bank of Old Monroe, in Old Monroe, Mo.

“Thinking Big, Acting Small,”
Isabella Bank in Mt. Pleasant, Mich.

“Five Straight Years on Top,”
Midwest Bank in Detroit Lakes, Minn.

“Rebounding from the Downturn,”
Community First Bank & Trust in Columbia, Tenn.

“Valuing Our Client’s Success,”
The Bank of Tioga, in Tioga, N.D.

“A Hardworking Team,”
First Central Bank in Cambridge, Neb.

“Customers, Employees and Giving Back,”
Legence Bank

“Standards in Place,”
CCB Community Bank in Andalusia, Ala.