RankingBanking Web Pageturn - Flipbook - Page 6
4
TOP 25 BANKS
Profitability
Rank
Company Name
Ticker
State
Total Assets
($MM)
Core
ROAA
(%)
Capital Adequacy
ROA
Rank
Core
ROAE
(%)
ROE
Rank
Tang Common
Equity/ Tang TCE
Assets (%) Rank
Asset Quality
NPAs ex
TDRs / Loans NPA
& OREO (%) Rank
Total
Shareholder
Return
Total
Return
(%)
TSR
Rank
Final
Score
1
Farmers & Merchants Bancorp
FMCB
CA
5,327
1.57
30
17.92
27
8.87
66
0.04
18
11.3
46
187
2
John Marshall Bancorp*
JMSB
VA
2,348
1.41
68
15.32
62
9.06
57
-
1
45.8
4
192
3
City Holding Co.
CHCO
WV
5,878
1.74
18
16.76
36
8.02
119
0.17
75
17.2
33
281
4
BCB Bancorp*
BCBP
NJ
3,546
1.66
21
18.81
19
7.48
159
0.17
76
20.6
24
299
5
First Business Financial Services*
FBIZ
WI
2,977
1.46
53
16.14
50
7.99
120
0.15
65
28.2
17
305
6
Bank First Corp.*
BFC
WI
3,660
1.50
44
13.50
113
9.23
51
0.21
102
30.0
13
323
6
Great Southern Bancorp
GSBC
MO
5,681
1.43
63
13.93
93
9.21
52
0.07
28
3.1
87
323
8
Enterprise Financial Services Corp
EFSC
MO
13,054
1.56
31
13.83
98
8.43
90
0.10
47
6.0
66
332
9
Hanmi Financial Corp.
HAFC
CA
7,378
1.44
59
14.85
72
8.48
89
0.16
70
8.4
55
345
10
Preferred Bank
PFBC
CA
6,425
2.08
5
21.31
3
9.80
37
0.54
238
6.5
63
346
11
Five Star Bancorp*
FSBC
CA
3,227
1.58
28
18.83
18
7.83
132
0.01
12
(7.2)
157
347
12
OP Bancorp*
OPBK
CA
2,094
1.74
17
19.57
12
8.43
91
0.12
58
(9.3)
172
350
13
Unity Bancorp*
UNTY
NJ
2,445
1.80
12
17.33
31
9.71
38
0.43
202
5.8
69
352
14
Northeast Bank*
NBN
ME
2,809
2.41
2
16.36
46
9.32
48
0.51
229
17.9
29
354
15
Wilson Bank Holding Co.
WBHC
TN
4,286
1.32
95
14.77
74
8.31
97
-
1
2.1
92
359
16
The Bancorp
TBBK
DE
7,903
1.85
11
20.08
8
8.76
71
0.52
231
12.1
42
363
17
ServisFirst Bancshares
SFBS
AL
14,596
1.75
15
21.25
4
8.80
68
0.11
52
(17.9) 228
367
18
Westamerica Bancorp.
WABC
CA
6,950
1.64
22
15.14
66
7.03
195
0.02
13
5.2
73
369
19
Commerce Bancshares
CBSH
MO
31,876
1.40
69
16.70
39
7.32
172
0.05
21
5.6
71
372
20
Norwood Financial Corp.*
NWFL
PA
2,047
1.43
62
16.14
51
6.82
208
0.10
46
34.1
7
374
21
Community Trust Bancorp
CTBI
KY
5,380
1.51
40
12.75
140
10.58
24
0.28
139
9.6
53
396
22
The First Bancorp*
FNLC
ME
2,739
1.51
41
16.87
35
7.31
173
0.09
39
(0.4)
110
398
23
HBT Financial*
HBT
IL
4,287
1.36
81
15.19
63
8.06
114
0.20
91
8.1
56
405
24
South Plains Financial*
SPFI
TX
3,944
1.46
54
15.67
59
8.50
85
0.21
104
0.7
105
407
25
East West Bancorp
EWBC
CA
13
19.51
14
8.67
75
0.21
98
(14.4) 208
408
*Had not adopted CECL as of Dec. 31, 2022
64,112
1.80
Median
1.56
16.36
8.48
0.15
6.5
Mean
1.62
16.74
8.48
0.18
9.2
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.