RankingBanking Web Pageturn - Flipbook - Page 23
21
Profitability
Rank
Company Name
115 Business First Bancshares
116 Community Bank System
116 Horizon Bancorp
118 FB Financial Corp.
Total Assets
($MM)
Ticker
State
BFST
LA
5,990
Core
ROAA
(%)
Capital Adequacy
Tang Common
Equity/ Tang TCE
Assets (%) Rank
Asset Quality
ROA
Rank
Core
ROAE
(%)
ROE
Rank
NPAs ex
TDRs / Loans NPA
& OREO (%) Rank
1.10
108
12.51
58
6.89
107
0.27
Total
Shareholder
Return
Total
Return
(%)
TSR
Rank
Final
Score
61
(20.2) 119
453
CBU
NY
15,836
1.31
57
11.75
76
4.35
143
0.34
76
(13.2) 102
454
HBNC
IN
7,873
1.28
63
14.06
35
6.56
114
0.51
111
(25.3) 131
454
FBK
TN
12,848
1.12
104
10.25
112
8.50
49
0.36
81
(16.5) 109
455
119 Fulton Financial Corp.
FULT
PA
26,932
1.14
97
11.50
79
6.92
105
0.74
133
44
458
120 Cadence Bank
CADE
MS
48,653
1.20
83
12.48
59
5.41
137
0.35
78
(14.3) 104
461
NIC
WI
8,764
1.29
61
11.40
82
6.69
113
0.65
127
(7.0)
80
463
PACW
CA
41,229
1.25
68
13.16
47
5.13
141
0.33
73
(47.6) 139
468
121 Nicolet Bankshares
122 PacWest Bancorp
123 Hilltop Holdings
3.1
HTH
TX
16,259
0.67
140
5.23
142
11.00
8
0.35
80
(12.9) 100
470
124 First Mid Bancshares
FMBH
IL
6,744
1.20
85
12.27
62
7.05
99
0.42
101
(23.2) 126
473
125 Associated Banc-Corp
ASB
WI
39,406
1.01
123
9.31
121
6.97
103
0.44
103
125 First Foundation
FFWM
TX
13,014
1.02
122
10.64
101
7.13
95
0.15
28
127 Northwest Bancshares
NWBI
OH
14,113
0.99
126
9.26
123
8.03
66
0.75
134
128 Financial Institutions
FISI
NY
5,797
1.00
124
12.68
56
5.50
136
0.24
129 Eastern Bankshares
EBC
MA
22,647
0.95
131
7.61
136
8.24
58
0.28
6.0
32
(41.1) 136
4.6
482
482
36
485
52
(20.0) 118
486
65
(12.7)
99
489
130 Heartland Financial USA
HTLF
CO
20,244
1.14
100
12.05
67
5.21
139
0.47
108
(5.7)
77
491
131 Flushing Financial Corp.
FFIC
NY
8,423
1.00
125
12.32
61
7.82
74
0.73
132
(16.9) 111
503
132 Independent Bank Group
IBTX
TX
18,258
1.19
89
8.78
127
7.72
78
0.44
104
(14.9) 106
504
133 First Interstate BancSystem
FIBK
MT
32,288
1.05
117
10.25
111
5.95
133
0.40
95
(0.8)
54
510
134 Renasant Corp.
RNST
MS
16,988
1.03
120
7.88
135
7.00
101
0.50
110
1.7
47
513
135 Trustmark Corp.
TRMK
MS
18,015
0.87
135
9.51
118
6.27
123
0.55
120
10.7
19
515
136 The First Bancshares
FBMS
MS
6,462
1.11
106
11.09
90
6.91
106
0.46
107
(15.2) 107
516
137 Old National Bancorp
ONB
IN
46,763
1.14
96
10.17
114
6.21
126
0.80
137
46
519
138 BankUnited
BKU
FL
37,027
0.82
136
11.01
93
6.38
119
0.27
59
(17.7) 113
520
139 Amerant Bancorp
AMTB
FL
9,128
0.96
129
10.47
106
7.53
83
0.39
91
(21.4) 122
531
140 HomeStreet
HMST
WA
9,365
0.76
138
10.34
107
5.70
135
0.16
32
(44.9) 137
549
141 Live Oak Bancshares
2.5
LOB
NC
9,855
0.67
141
7.43
137
8.10
64
0.29
68
(65.3) 143
553
142 Simmons First National Corp.
SFNC
AR
27,461
1.07
112
8.70
129
7.00
102
0.38
90
(24.6) 129
562
143 Kearny Financial Corp.
KRNY
NJ
8,289
0.77
137
6.42
140
8.16
61
1.04
140
(20.4) 120
598
SI
CA
11,356
(0.50) 144 (5.48) 144
3.61
144
0.58
123
(88.3) 144
699
144 Silvergate Capital Corp.*
*Had not adopted CECL as of Dec. 31, 2022
Median
1.23
11.87
7.86
0.33
(4.5)
Mean
1.28
12.23
7.97
0.36
(7.0)
Source: Piper Sandler & Co., using S&P Global Market Intelligence data
RankingBanking uses five metrics to assess performance. Profitability is captured by return on equity and return on assets. Asset quality is represented by nonperforming assets as a percentage of loans and other real
estate owned. Capital adequacy is based on a bank’s tangible common equity ratio. Total shareholder return includes stock price appreciation and dividends. Banks are scored on each of the five metrics. The scores are
then merged into an overall score, which determines the ranking — the lower the score, the higher the rank. Data is based on calendar year 2022 results.