RankingBanking 25 - Flipbook - Page 37
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Profitability
Capital Adequacy
Asset Quality
Rank
Company Name
Ticker
State
Total Assets
($MM)
Core
ROAA (%)
ROA
Rank
Core
ROAE (%)
ROE
Rank
Tang Common
Equity /Tang
Assets (%)
TCE
Rank
NPAs/ Loans
& OREO (%)
NPA
Rank
Final
Score
80
Princeton Bancorp
BPRN
NJ
2,340
0.80
66
6.77
82
10.51
22
1.49
105
275
81
LCNB Corp.
LCNB
OH
2,307
0.71
76
6.80
81
7.00
98
0.26
31
286
82
Western New England Bancorp
WNEB
MA
2,653
0.42
100
4.62
100
8.41
61
0.26
28
289
83
ENB Financial Corp
ENBP
PA
2,220
0.75
71
12.11
28
5.90
111
0.83
83
293
84
Merchants Financial Group
MFGI
MN
2,782
0.67
82
6.21
91
8.74
53
0.62
68
294
85
FineMark Holdings
FNBT
FL
4,115
0.15
109
1.87
109
7.90
75
0.02
4
297
86
Community West Bancshares
CWBC
CA
3,522
0.59
92
6.08
92
7.51
80
0.28
34
298
87
California BanCorp.
BCAL
CA
4,032
0.66
85
5.41
96
9.69
34
0.95
90
305
87
Eagle Bancorp Montana
EBMT
MT
2,103
0.53
94
6.68
85
6.57
104
0.21
22
305
89
CF Bankshares
CFBK
OH
2,066
0.67
84
8.29
69
8.03
72
0.77
81
306
90
Southern First Bancshares
SFST
SC
4,088
0.38
101
4.84
99
8.08
70
0.30
38
308
91
Citizens Financial Services
CZFS
PA
3,026
0.90
53
8.62
65
7.21
91
1.22
101
310
92
RBB Bancorp
RBB
CA
3,992
0.64
88
4.89
98
11.05
15
2.64
111
312
93
Lake Ridge Bancorp
LRBI
WI
3,127
0.66
87
7.77
71
6.79
102
0.51
55
315
94
First Savings Financial Group
FSFG
IN
2,389
0.66
86
9.32
60
6.97
99
0.68
72
317
95
Investar Holding Corp.
ISTR
LA
2,723
0.61
90
7.26
77
7.44
85
0.66
69
321
96
Evans Bancorp
EVBN
NY
2,187
0.60
91
7.39
75
8.29
63
1.12
96
325
97
Meridian Corp.
MRBK
PA
2,386
0.74
72
10.58
48
6.92
100
2.20
109
329
98
Civista Bancshares
CIVB
OH
4,098
0.81
65
8.50
66
6.50
106
1.00
94
331
99
Blue Ridge Bankshares
BRBS
VA
2,737
(0.17)
113
(1.79)
113
11.85
11
1.08
95
332
100 Bank of Marin Bancorp
BMRC
CA
3,701
0.49
97
4.27
101
9.93
31
1.63
106
335
101 Marquette National Corp.
MNAT
IL
2,208
(0.02)
111
(0.32)
111
6.36
108
0.09
11
341
102 BankFirst Capital Corp.
BFCC
MS
2,801
0.90
54
6.51
86
4.58
115
0.92
89
344
102 Hanover Bancorp
HNVR
NY
2,312
0.55
93
6.47
88
7.51
81
0.82
82
344
104 Ponce Financial Group
PDLB
NY
3,040
0.37
102
2.16
108
9.23
44
0.99
91
345
105 Primis Financial Corp.
FRST
VA
3,699
(0.16)
112
(1.57)
112
7.39
87
0.29
37
348
106 MVB Financial Corp.
MVBF
WV
3,129
0.25
107
2.78
106
9.65
36
1.30
102
351
107 Carter Bankshares
CARE
VA
4,659
0.52
95
6.48
87
8.25
64
7.17
115
361
108 Ames National Corp.
ATLO
IA
2,133
0.50
96
6.26
90
7.60
79
1.12
97
362
108 BCB Bancorp
BCBP
NJ
3,599
0.49
98
5.72
94
8.18
66
1.48
104
362
110 MainStreet Bancshares
MNSB
VA
2,228
0.31
103
2.97
104
8.11
68
1.18
99
374
111 Bankwell Financial Group
BWFG
CT
3,268
0.31
104
3.65
102
8.19
65
2.27
110
381
112 First Western Financial
MYFW
CO
2,919
0.30
105
3.50
103
7.64
77
1.96
108
393
113 Finward Bancorp
FNWD
IN
2,061
0.16
108
2.25
107
6.24
109
1.00
93
417
114 First Northwest Bancorp
FNWB
WA
2,232
(0.51)
114
(6.91)
115
6.85
101
1.80
107
437
115 First Guaranty Bancshares
FGBI
LA
110
0.98
110
5.21
114
3.90
113
447
3,973
0.07
Median
0.86
9.48
8.51
0.54
Mean
0.89
9.04
8.95
0.77
Source: Piper Sandler & Co., S&P Global Market Intelligence, company reports and regulatory filings
RankingBanking uses four metrics to assess performance. Profitability is captured by return on equity and return on assets. Asset quality is represented by nonperforming assets. Capital adequacy is a function of a
bank’s tangible common equity ratio. Banks are scored on each of the four 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 2024 results.
