RankingBanking 26 Digital - Flipbook - Page 5
3
TOP 25 BANKS
Profitability
Capital Adequacy
Asset Quality
Tang Common
Equity /Tang
Assets (%)
TCE
Rank
NPAs/ Loans
& OREO (%)
NPA
Rank
Final
Score
61
11.11
51
0.10
14
149
19.54
19
12.25
24
0.43
102
150
4
19.29
21
12.24
25
0.49
119
169
30
17.21
47
11.96
29
0.35
69
175
7
12.99
165
17.04
3
0.00
1
176
1.73
29
17.47
43
10.49
82
0.16
26
180
1.67
36
15.31
93
11.15
49
0.02
6
184
2,087
2.32
6
23.77
5
9.55
127
0.25
46
184
WV
6,722
2.01
11
21.59
12
9.93
106
0.32
59
188
NIC
WI
9,185
1.74
27
19.35
20
9.89
109
0.32
60
216
HBT
IL
5,071
1.59
45
15.92
73
10.82
64
0.19
35
217
WCCB
CA
2,884
2.00
12
18.76
26
11.10
52
0.55
140
230
WABC
CA
5,960
1.91
15
12.72
173
13.90
10
0.20
38
236
Rank
Company Name
Ticker
State
Total Assets
($MM)
Core
ROAA (%)
ROAA
Rank
Core
ROATCE
ROATCE (%) Rank
1
Commerce Bancshares
CBSH
MO
32,915
1.79
23
16.39
2
Bank7 Corp.
BSVN
OK
1,964
2.37
5
3
Esquire Financial Holdings
ESQ
NY
2,366
2.42
4
Commercial Bancgroup
CBK
TN
2,291
1.73
5
Northeast Community Bancorp
NECB
NY
2,064
2.19
6
Bank First Corp.
BFC
WI
4,506
7
Farmers & Merchants Bancorp
FMCB
CA
5,690
7
Thomasville Bancshares
THVB
GA
9
City Holding Co.
CHCO
10
Nicolet Bankshares
11
HBT Financial
12
West Coast Community Bancorp
13
Westamerica Bancorp.
14
ACNB Corp.
ACNB
PA
3,228
1.61
44
16.69
57
10.60
74
0.33
65
240
15
East West Bancorp
EWBC
CA
80,435
1.69
33
16.87
54
10.55
79
0.37
76
242
16
Ameris Bancorp
ABCB
GA
27,516
1.57
47
14.87
102
11.36
42
0.29
54
245
17
Stock Yards Bancorp
SYBT
KY
9,536
1.57
48
18.04
32
9.32
142
0.18
32
254
18
Home BancShares
HOMB
AR
22,882
2.08
9
17.75
38
13.36
11
0.75
198
256
19
Central Bancompany
CBC
MO
20,752
2.12
8
13.97
141
16.82
4
0.43
105
258
20
California BanCorp
BCAL
CA
4,033
1.68
34
16.29
67
11.45
40
0.51
125
266
21
CVB Financial Corp.
CVBF
CA
15,631
1.42
70
14.65
110
10.25
90
0.06
10
280
22
Community Trust Bancorp
CTBI
KY
6,684
1.52
52
13.09
162
11.94
30
0.24
42
286
23
Mission Bancorp
MSBC
CA
1,903
1.42
69
13.29
156
11.57
37
0.18
31
293
24
Republic Bancorp
RBCA.A
KY
7,042
1.85
16
12.86
170
15.15
6
0.45
108
300
25
Columbia Banking System
COLB
WA
66,832
1.41
71
18.39
29
8.73
173
0.17
29
302
Median
1.73
16.69
11.15
0.29
Mean
1.82
16.68
11.70
0.29
Source: Piper Sandler, S&P Global Market Intelligence, company reports and regulatory filings
RankingBanking uses four metrics to assess performance. Profitability is captured by return on average tangible common equity and return on average total assets. That is a change from past years, when return on
equity and return on assets were used to determine profitability. 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 2025 results.
