Institution Location ROA (%) Efficiency Ratio (%)

Carolina Financial Corp. (CARO) Charleston, SC 0.84 75.34

University Bancorp (UNIB) Ann Arbor, MI 1.09 94.39
First General Bank (FGEB) Rowland Heights, CA 1.77 35.11
First Farmers Financial Corp. (FFMR) Converse, IN 1.29 54.65
Access National Corp. (ANCX) Reston, VA 1.45 60.60
Hingham Institution for Savings (HIFS) Hingham, MA 1.52 41.53
Union Bankshares (UNB) Morrisville, VT 1.30 66.95
Citizens Financial Services (CZFS) Mansfield, PA 1.48 50.59
Thomasville Bancshares (THVB) Thomasville, GA 1.41 49.76
Commonwealth Business Bank (CWBB) Los Angeles, CA 1.84 46.60
Integrity Bancshares* Camp Hill, PA 1.31 47.73
Lyons Bancorp (LYBC) Lyons, NY 0.94 63.81
West Milton Bancorp (WMBC) West Milton, PA 1.39 56.00
Minster Financial Corp. (MTFC) Minster, OH 1.12 57.80
Wash. Federal Bank for Savings Chicago, IL 1.51 45.40
Somerset Trust Holding Co. (SOME) Somerset, PA 1.18 70.11
1st Summit Bancorp (FSMK) Johnstown, PA 1.08 54.35
Monarch Financial Holdings (MNRK) Chesapeake, VA 1.15 82.67
West Bancorp. (WTBA) West Des Moines, IA 1.32 49.93
C&F Financial Corp. (CFFI) West Point, VA 0.93 62.94
Trinity Bank (TYBT) Fort Worth, TX 1.68 41.88
Muncy Bank Financial (MYBF) Muncy, PA 1.31 54.96
Cambridge Bancorp (CATC) Cambridge, MA 0.98 67.38
First Bancorp Lebanon, VA 1.33 52.18
Citizens Bank Carthage, TN 2.31 29.02
Home Loan Financial Corp. (HLFN) Coshocton, OH 1.68 51.60
California Republic Bancorp (CRPB) Irvine, CA 1.31 69.02
Baker Boyer Bancorp (BBBK) Walla Walla, WA 1.00 74.09
Cass Information Systems (CASS) Saint Louis, MO 1.69 69.35
HomeTown Bank Galveston, TX 1.27 56.01
Alerus Financial Corp. (ALRS) Grand Forks, ND 1.38 73.77
Penns Woods Bancorp (PWOD) Williamsport, PA 1.19 62.76
Merchants Bancorp Hillsboro, OH 1.10 55.35
Chesapeake Financial Shares (CPKF) Kilmarnock, VA 1.05 77.19
BancAffiliated (BAFI) Arlington, TX 1.64 67.58
First Business Financial (FBIZ) Madison, WI 1.04 58.29
New Tripoli Bancorp (NTBP) New Tripoli, PA 1.26 51.72
Middlefield Banc Corp. (MBCN) Middlefield, OH 1.07 59.95
Benchmark Bankshares (BMBN) Kenbridge, VA 1.29 64.04
Bank of Princeton Princeton, NJ 0.99 62.49
Andover Bancorp (ANDC) Andover, OH 1.20 69.59
American Bank (AMBK) Allentown, PA 1.00 54.61
Bank of Greene County (MHC) Catskill, NY 1.02 58.43
Peoples Limited (PPLL) Wyalusing, PA 1.02 71.04
Merchants Bancshares (MBVT) South Burlington, VT 0.73 67.98
Cashmere Valley Bank (CSHX) Cashmere, WA 1.22 54.19
BEO Bancorp (BEOB) Heppner, OR 0.78 71.06
First Citizens Bancshares (FIZN) Dyersburg, TN 1.11 68.01
First Commerce Bancorp Lewisburg, TN 1.22 57.57
Fidelity Federal Bancorp (FDLB) Evansville, IN 2.45 46.26
First Community Financial Corp. (FMFP) Mifflintown, PA 0.92 70.90
Southeastern Bank Financial (SBFC) Augusta, GA 0.96 61.56
Farmers and Merchants Bank (FMFG) Upperco, MD 1.15 59.59
American Business Bank (AMBZ) Los Angeles, CA 0.80 62.18
QNB Corp. (QNBC) Quakertown, PA 0.95 64.94
Bank of South Carolina Corp. (BKSC) Charleston, SC 1.23 59.65
F.S. Bancorp (FXLG) Lagrange, IN 1.18 64.04
River Valley Bancorp (RIVR) Madison, IN 0.96 68.40
National Bankshares (NKSH) Blacksburg, VA 1.51 44.39
Truxton Corp. (TRUX) Nashville, TN 1.24 64.02
Bank First National Corp. (BFNC) Manitowoc, WI 1.17 53.05
Greene County Bancorp (MHC) (GCBC) Catskill, NY 0.97 61.15
Clover Community Bankshares Clover, SC 1.04 67.55
FFD Financial Corp. (FFDF) Dover, OH 1.05 60.74
Two Rivers Financial Group (TRVR) Burlington, IA 1.36 70.65
NASB Financial (NASB) Grandview, MO 1.58 72.90
Embassy Bancorp (EMYB) Bethlehem, PA 0.91 62.34
Security National Corp. (SNLC) Dakota Dunes, SD 1.13 58.26
Steuben Trust Corp. (SBHO) Hornell, NY 1.07 62.10
Parke Bancorp (PKBK) Sewell, NJ 1.53 37.01
Forsyth Bancshares Cumming, GA 0.92 63.61
Valley Financial Corp. (VYFC) Roanoke, VA 0.77 64.30
First Community Bancorp Shelbyville, TN 0.78 87.03
Santa Cruz County Bank (SCZC) Santa Cruz, CA 1.00 61.13
Community Bancorp. (CMTV) Derby, VT 0.89 69.03
Heartland BancCorp (HLAN) Gahanna, OH 0.98 63.78
First Sound Bank (FSWA) Seattle, WA 0.02 96.04
Commercial National Financial (CEFC) Ithaca, MI 0.64 65.14
Citizens & Northern Corp. (CZNC) Wellsboro, PA 1.38 57.76
Eagle Financial Services (EFSI) Berryville, VA 1.19 68.34
Bank of Kentucky Financial (BKYF) Crestview Hills, KY 0.99 61.20
Farmers Bancorp (FABP) Frankfort, IN 1.15 63.93
Summit Bank (SBKO) Eugene, OR 1.44 53.94
Mifflinburg Bancorp (MIFF) Mifflinburg, PA 1.08 56.48
First Pulaski National Corp. Pulaski, TN 0.93 64.17
Hillsdale County National Bank Hillsdale, MI 0.84 70.96
First Robinson Financial Corp. (FRFC) Robinson, IL 0.82 64.36
Citizens National Bancshares (CNBL) Bossier City, LA 1.19 62.49
Bank of Marin Bancorp (BMRC) Novato, CA 1.08 56.47
Capital Bank (CBJC) San Juan Capistrano, CA 1.44 54.58
Highlands Community Bank Covington, VA 1.21 55.93
Merchants Financial Group (MFGI) Winona, MN 0.85 70.50
Pioneer Bankshares (PNBI) Stanley, VA 1.24 70.57
Bar Harbor Bankshares (BHB) Bar Harbor, ME 1.03 54.14
Community First Bank of Ind. (CFHW) Kokomo, IN 1.18 59.54
Iowa First Bancshares Corp. (IOFB) Muscatine, IA 0.97 61.08
FPB Financial Corp. (FPBF) Hammond, LA 0.95 74.36
Evans Bancorp (EVBN) Hamburg, NY 0.98 72.86
Citizens Commerce Bancshares Versailles, KY 0.05 99.73
Redwood Financial (REDW) Redwood Falls, MN 1.12 63.40
Auburn National Bancorp. (AUBN) Auburn, AL 0.97 57.18
International City Bank Long Beach, CA 0.80 86.01
NorthWest Indiana Bancorp (NWIN) Munster, IN 0.97 64.36
Northrim BanCorp (NRIM) Anchorage, AK 1.34 69.20
MidWestOne Financial Group (MOFG) Iowa City, IA 1.05 57.25
PSB Holdings (PSBQ) Wausau, WI 0.90 60.07
First Sentry Bancshares (FTSB) Huntington, WV 0.83 55.74
Nicolet Bankshares (NCBS) Green Bay, WI 0.84 65.84
Commercial Bancshares (CMOH) Upper Sandusky, OH 1.02 67.46
First Keystone Corp. (FKYS) Berwick, PA 1.13 62.56
Southern Missouri Bancorp (SMBC) Poplar Bluff, MO 1.05 55.59
Lighthouse Bank (LGHT) Santa Cruz, CA 1.47 49.53
Dimeco (DIMC) Honesdale, PA 0.91 61.86
CNB Corp. (CNBZ) Cheboygan, MI 0.75 80.82
Jeffersonville Bancorp (JFBC) Jeffersonville, NY 1.54 65.73
John Marshall Bank (JMSB) Reston, VA 1.11 55.94
Northeast Indiana Bancorp (NIDB) Huntington, IN 1.15 60.50
Ames National Corp. (ATLO) Ames, IA 1.21 48.07
Crystal Valley Financial Corp. (CYVF) Middlebury, IN 1.09 74.56
Codorus Valley Bancorp (CVLY) York, PA 0.98 61.49
Bank of Utica (BKUT) Utica, NY 1.12 35.18
Hamlin Bank and Trust Co. (HMLN) Smethport, PA 1.65 44.67
Landmark Bancorp (LARK) Manhattan, KS 0.96 66.70
Ohio Valley Banc Corp. (OVBC) Gallipolis, OH 1.01 67.71
Solvay Bank Corp. (SOBS) Solvay, NY 0.90 61.09
First Foundation Inc. (FFWM) Irvine, CA 0.71 75.88
Bridge Capital Holdings (BBNK) San Jose, CA 1.07 63.92
BankGuam Holding Co. (BKGMF) Hagatna, GU 0.66 75.83
Fidelity D & D Bancorp (FDBC) Dunmore, PA 0.96 65.18
Premier Valley Bank (PVLY) Fresno, CA 1.20 56.95
CSB Bancorp (CSBB) Millersburg, OH 0.97 61.46
Legends Financial Holdings Clarksville, TN 0.87 68.04
Honat Bancorp (HONT) Honesdale, PA 1.26 56.70
United National Bank Cairo, GA 1.35 51.22
County Bank Corp (CBNC) Lapeer, MI 1.14 67.12
Provident Financial Holdings (PROV) Riverside, CA 0.74 82.29
Exchange Bank (EXSR) Santa Rosa, CA 0.99 66.91
Mauch Chunk Trust Financial (MCHT) Jim Thorpe, PA 0.93 76.61
Carolina Bank Holdings (CLBH) Greensboro, NC 0.50 81.64
Woodlands Financial Services (WDFN) Williamsport, PA 0.81 71.77
Valley Commerce Bancorp (VCBP) Visalia, CA 1.08 68.33
Blue Ridge Bankshares (BRBS) Luray, VA 0.90 66.29
Community Bank Shares of Ind. (CBIN) New Albany, IN 1.04 63.30
Northumberland Bancorp (NUBC) Northumberland, PA 0.76 70.54
First Mid-Illinois Bancshares (FMBH) Mattoon, IL 0.97 62.12
Jonestown Bank and Trust Co. (JNES) Jonestown, PA 0.78 61.61
F & M Bank Corp. (FMBM) Timberville, VA 1.01 55.80
Howard Bancorp (HBMD) Ellicott City, MD 1.87 77.54
First National Bank of Groton (FIGR) Groton, NY 1.22 59.05
Chino Commercial Bancorp (CCBC) Chino, CA 0.91 70.83
Siuslaw Financial Group* Florence, OR 1.03 77.43
Plumas Bancorp (PLBC) Quincy, CA 0.89 65.47
Sunwest Bank (SWBC) Irvine, CA 1.01 70.54
County Commerce Bank (CNYB) Oxnard, CA 0.80 58.45
Bank of the James Financial (BOTJ) Lynchburg, VA 0.76 75.50
Benton Financial Corp. (BTOF) Fowler, IN 1.16 70.31
Jeff Davis Bancshares (JDVB) Jennings, LA 0.95 74.08
Mid Penn Bancorp (MPB) Millersburg, PA 0.78 63.42
First Bankers Trustshares (FBTT) Quincy, IL 0.88 66.25
FNB Bancorp (FNBG) South San Francisco, CA 1.04 71.12
IFB Holdings (IFBH) Chillicothe, MO 1.14 57.36
SB Financial Group (SBFG) Defiance, OH 0.78 73.81
Marlin Business Services Corp. (MRLN) Mount Laurel, NJ 2.64 51.80
Wilson Bank Holding Co. (WBHC) Lebanon, TN 1.15 58.83
CB Financial Services (CBFV) Carmichaels, PA 0.72 65.39
Kish Bancorp (KISB) Belleville, PA 0.67 79.94
CCFNB Bancorp (CCFN) Bloomsburg, PA 1.09 59.83
Citizens Financial Corp. (CIWV) Elkins, WV 0.98 71.94
Capital Bank of New Jersey (CKPB) Vineland, NJ 1.04 58.81
Oak Valley Bancorp (OVLY) Oakdale, CA 1.03 68.24
Kentucky Bancshares (KTYB) Paris, KY 0.89 72.99
Allegheny Bancshares Franklin, WV 1.15 58.09
LCNB Corp. (LCNB) Lebanon, OH 0.88 61.77
First Capital (FCAP) Corydon, IN 1.22 62.25
ACNB Corp. (ACNB) Gettysburg, PA 0.97 67.31
TFC Holding Co. (TFCH) Alhambra, CA 1.64 68.63
County Bancorp (ICBK) Manitowoc, WI 1.07 55.81
United Security Bancshares (UBFO) Fresno, CA 0.93 66.22
Surrey Bancorp (SRYB) Mount Airy, NC 1.38 59.43
American National Bankshares (AMNB) Danville, VA 0.97 59.51
Fayette Savings Bank, SSB La Grange, TX 0.70 70.89
National Bank of Indianapolis Indianapolis, IN 0.65 73.62
Citizens Holding Co. (CIZN) Philadelphia, MS 0.84 69.39
CBC Holding Co. (CBHC) Fitzgerald, GA 1.21 62.58
First BancTrust Corp. (FIRT) Champaign, IL 0.77 67.59
Citizens B & T Holdings (CBTH) Guntersville, AL 0.90 62.26
TPB Bancorp Brownstown, IN 0.86 58.88
Virginia National Bankshares (VABK) Charlottesville, VA 0.37 85.89
Bancorp. of Southern Indiana (BCSO) Seymour, IN 0.86 73.08
Keweenaw Financial Corp. (KEFI) Hancock, MI 0.98 59.65
National Bancshares Corp. (NBOH) Orrville, OH 1.16 58.34
Turbotville National Bancorp (TVNB) Turbotville, PA 1.29 51.27
Merchants & Marine Bancorp (MMPM) Pascagoula, MS 0.89 62.90
Ledyard Financial Group (LFGP) Hanover, NH 0.94 78.38
Exchange Bankshares (EXCH) Milledgeville, GA 0.93 71.26
River City Bank (RCBC) Sacramento, CA 0.96 59.20
Northway Financial (NWYF) North Conway, NH 0.84 79.10
Delhi Bank Corp. (DWNX) Delhi, NY 0.65 74.08
Norwood Financial Corp. (NWFL) Honesdale, PA 1.08 53.95
Total Risk-Based Capital (%)
13.15
17.13
15.48
12.56
12.41
13.80
13.60
18.55
12.19
14.45
10.49
12.53
17.36
14.85
22.92
13.56
17.02
13.79
12.81
14.54
19.83
15.73
13.18
17.03
29.19
17.09
22.19
15.47
21.91
16.88
13.20
12.65
13.02
15.94
13.44
12.13
20.52
14.64
17.15
11.19
23.24
13.69
18.42
13.47
16.95
17.32
12.97
16.30
14.60
25.54
18.70
16.23
13.21
16.76
14.06
14.98
14.83
14.46
24.88
15.71
12.64
18.42
16.39
12.55
12.97
12.98
13.15
16.35
17.77
17.23
15.11
14.67
15.70
13.08
13.66
13.86
12.55
15.15
27.60
19.06
13.83
14.19
11.96
15.61
16.71
12.03
15.10
15.87
13.94
14.69
19.86
12.96
15.91
17.24
12.90
13.38
17.53
14.85
10.27
15.99
18.54
20.86
14.84
14.31
14.73
14.24
14.89
14.03
13.37
16.03
14.84
18.49
14.29
18.96
18.98
14.03
16.98
16.59
14.54
14.42
20.66
28.40
15.16
17.41
19.21
12.23
13.91
11.86
15.25
13.38
13.56
14.06
19.31
17.02
20.43
16.26
13.94
18.96
13.68
14.00
16.04
16.47
18.65
20.38
15.60
12.96
17.35
10.73
28.40
16.72
19.26
14.46
14.09
16.31
13.04
20.38
13.90
11.36
14.97
14.60
30.05
14.00
27.39
14.95
13.06
13.06
21.07
18.21
13.97
14.52
13.05
17.58
14.38
15.80
15.29
24.04
17.16
17.29
21.55
17.86
14.78
12.58
17.84
18.07
14.50
13.27
20.65
17.87
16.60
23.22
12.65
27.17
23.97
15.61
20.33
17.61
19.22
25.92
18.49