2014 Seifried & Brew Top 15th Percentile (Sub S Election Banks)

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1 2014 Seifried & Brew Top 15th Percentile (Sub S Election Banks) What is the secret of an S&B Top 15thPercentile Bank? The secret is the optimum balance of risk and reward. Seifried & Brew ranks every community bank across the nation with our proprietary S&B Total Risk Index. This index models capital risk, credit risk, earnings at risk, liquidity risk, and national/regional economic risk. The S&B Risk/Return Composite Index balances each community bank s risk ranking with their return on assets and return on equity. The S&B Top 15th Percentile Banks are inclusive of community banks with assets between $10 million to $10 billion,that have excelled in Rank Bank 1 Peoples Community Bank 100 Greenville MO 2 1st Bank & Trust 99.9 Broken Bow OK 2 National Bank of Andrews 99.9 Andrews TX 4 St. Henry Bank 99.8 Saint Henry OH 4 Waggoner National Bank of Vernon 99.8 Vernon TX 6 Panora State Bank 99.7 Panora IA 6 First State Bank of Ben Wheeler, Texas 99.7 Ben Wheeler TX 8 First National Bank in Taylorville 99.6 Taylorville IL 8 First State Bank of Healy 99.6 Healy KS 10 Charter Bank 99.5 Corpus Christi TX 10 First State Bank of Bedias 99.5 Bedias TX 12 Hodge Bank & Trust Company 99.4 Hodge LA 12 First State Bank 99.4 Yoakum TX 14 Vermillion State Bank 99.3 Vermillion MN 14 First National Bank of Battle Lake 99.3 Battle Lake MN 16 Cowboy Bank of Texas 99.2 Maypearl TX 16 Hilltop National Bank 99.2 Casper WY 18 First National Bank of Picayune 99.1 Picayune MS 18 Security State Bank 99.1 Cheyenne OK 18 Zapata National Bank 99.1 Zapata TX 21 American State Bank & Trust Company of Williston 99 Williston ND 21 First Bank of Okarche 99 Okarche OK 23 Pocahontas State Bank 98.9 Pocahontas IA 23 Peoples Bank 98.9 Westville OK 25 Bloomsdale Bank 98.8 Bloomsdale MO 25 Bank of Morton 98.8 Morton MS 27 Citizens Bank 98.7 Farmington NM 27 Farmers and Merchants National Bank of Fairview 98.7 Fairview OK 29 Marion County State Bank 98.6 Pella IA 29 Citizens Bank of Las Cruces 98.6 Las Cruces NM 31 Lamar Bank and Trust Company 98.5 Lamar MO 31 Charter Bank Eau Claire 98.5 Eau Claire WI 33 American Savings Bank 98.4 Tripoli IA 33 Marseilles Bank 98.4 Marseilles IL 35 Iowa State Bank 98.3 Des Moines IA 35 Bank of Buffalo 98.3 Buffalo KY 35 First Bank & Trust Co Duncan OK **Sub S Bank List** 1

2 Rank Bank 38 Security National Bank of Enid 98.2 Enid OK 38 Coffee County Bank 98.2 Manchester TN 40 Union Bank of Mena 98.1 Mena AR 40 Fort Sill National Bank 98.1 Fort Sill OK 42 Carlsbad National Bank 98 Carlsbad NM 42 Morris State Bank 98 Morris OK 44 Palo Savings Bank 97.9 Palo IA 44 Central National Bank of Poteau 97.9 Poteau OK 46 Bank of Rantoul 97.8 Rantoul IL 46 First National Bank 97.8 Fabens TX 48 Armstrong Bank 97.7 Muskogee OK 48 Morris County National Bank 97.7 Naples TX 50 Freedom Bank 97.6 Huntingburg IN 50 First Security Bank - Canby 97.6 Canby MN 52 First National Bank & Trust Company of Williston 97.5 Williston ND 52 Security Bank 97.5 Tulsa OK 54 First Whitney Bank and Trust 97.4 Atlantic IA 54 Cumberland Security Bank, Inc Somerset KY 54 First National Bank of Milaca 97.4 Milaca MN 57 Sargent County Bank 97.3 Forman ND 57 Oregon Coast Bank 97.3 Newport OR 59 Hill-Dodge Banking Company 97.2 Warsaw IL 59 Community Bank of El Dorado Springs 97.2 El Dorado Springs MO 61 Cenlar FSB 97.1 Ewing NJ 61 Western Bank, Artesia, New Mexico 97.1 Artesia NM 63 State Bank of Lincoln 97 Lincoln IL 63 WoodTrust Bank 97 Wisconsin Rapids WI 65 Bessemer Trust Company, National Association New York NY 65 Exchange Bank and Trust Company 96.9 Perry OK 67 Franklin Bank 96.8 Franklin IL 67 Farmers and Merchants Bank 96.8 Maysville OK 69 Security Bank of Southwest Missouri 96.7 Cassville MO 69 Farmers Exchange Bank 96.7 Cherokee OK 71 Community National Bank 96.6 Seneca KS 71 City Savings Bank & Trust Company 96.6 DeRidder LA 71 Commercial State Bank of Wagner 96.6 Wagner SD 74 NOA Bank 96.5 Duluth GA 74 Liberty State Bank 96.5 Powers Lake ND 76 Sacramento Deposit Bank 96.4 Sacramento KY 76 First State Bank of Porter 96.4 Porter OK 78 Bank of Tescott 96.3 Tescott KS 78 Peoples State Bank 96.3 Cherryvale KS 80 West Plains Bank and Trust Company 96.2 West Plains MO 80 Oklahoma State Bank 96.2 Buffalo OK 82 Bank of Hemet 96.1 Riverside CA 82 Union Bank & Trust Company 96.1 Livingston TN 84 Citizens National Bank of Wills Point 96 Wills Point TX 84 First National Bank of Albany 96 Albany TX 86 First National Bank & Trust of Elk City 95.9 Elk City OK 86 Peoples State Bank 95.9 Summit SD 88 Town-Country National Bank 95.8 Camden AL **Sub S Bank List** 2

3 Rank Bank 88 Corydon State Bank 95.8 Corydon IA 90 Frontier Bank 95.7 Lamar CO 90 Community First Bank 95.7 New Iberia LA 90 Liberty Savings Bank, FSB 95.7 Saint Cloud MN 93 Bank of Advance 95.6 Advance MO 93 First State Bank 95.6 Wilmot SD 95 Western Commerce Bank 95.5 Carlsbad NM 95 Haverford Trust Company 95.5 Radnor PA 97 First State Bank Southwest 95.4 Pipestone MN 97 First National Bank of Bastrop 95.4 Bastrop TX 99 First National Bank of Menahga & Sebeka 95.3 Menahga MN 99 Oak Creek Valley Bank 95.3 Valparaiso NE 101 Yellowstone Bank 95.2 Laurel MT 101 Coleman County State Bank 95.2 Coleman TX 103 Payne County Bank 95.1 Perkins OK 103 Citizens State Bank 95.1 Miles TX 105 First Community Bank of Central Alabama 95 Wetumpka AL 105 Idabel National Bank 95 Idabel OK 107 Alamosa State Bank 94.9 Alamosa CO 107 First National Bank of Mount Vernon 94.9 Mount Vernon TX 107 Muenster State Bank 94.9 Muenster TX 110 Waukon State Bank 94.8 Waukon IA 110 First Security Bank-Hendricks 94.8 Hendricks MN 112 First National Bank of Louisiana 94.7 Crowley LA 112 Union Banking Company 94.7 West Mansfield OH 114 Citizens Savings Bank 94.6 Anamosa IA 114 Security Bank 94.6 Midland TX 116 Vermilion Bank & Trust Company 94.5 Kaplan LA 116 Dakota Community Bank & Trust, National Association 94.5 Hebron ND 118 North Valley Bank 94.4 Thornton CO 118 Community National Bank of Okarche 94.4 Okarche OK 120 Farmers State Bank 94.3 McPherson KS 120 Inwood National Bank 94.3 Dallas TX 122 Goodfield State Bank 94.2 Goodfield IL 122 Nodaway Valley Bank 94.2 Maryville MO 124 First National Bank 94.1 Hamilton AL 124 First Command Bank 94.1 Fort Worth TX 126 Commercial National Bank of Texarkana 94 Texarkana TX 126 NewFirst National Bank 94 El Campo TX 126 Bank of Mauston 94 Mauston WI 129 Intracoastal Bank 93.9 Palm Coast FL 129 Dakota Western Bank 93.9 Bowman ND 131 Tri-County Trust Company 93.8 Glasgow MO 131 Campbell County Bank, Inc Herreid SD 133 Kaplan State Bank 93.7 Kaplan LA 133 WestStar Bank 93.7 El Paso TX 135 Eitzen State Bank 93.6 Caledonia MN 135 Citizens State Bank 93.6 Corrigan TX 137 Victor State Bank 93.5 Victor IA 137 Farmers Savings Bank 93.5 Spencer OH 139 United Community Bank of North Dakota 93.4 Leeds ND **Sub S Bank List** 3

4 Rank Bank 139 First Bank & Trust Company 93.4 Perry OK 141 Commerce Bank 93.3 Corinth MS 141 Woodforest National Bank 93.3 The Woodlands TX 143 First Bank of Berne 93.2 Berne IN 143 Bank of Baker 93.2 Baker MT 143 First Community Bank 93.2 Corpus Christi TX 146 Taylor County Bank 93.1 Campbellsville KY 146 Commercial National Bank of Brady 93.1 Brady TX 148 State Bank of New Prague 93 New Prague MN 148 Pioneer Bank & Trust 93 Belle Fourche SD 150 Altura State Bank 92.9 Altura MN 150 City National Bank of Colorado City 92.9 Colorado City TX 152 Premier Bank 92.8 Rock Valley IA 152 First State Bank 92.8 Louise TX 154 Grant County State Bank 92.7 Swayzee IN 154 Bank of the West 92.7 Thomas OK 156 First United Bank and Trust Company 92.6 Madisonville KY 156 St. Martin Bank and Trust Company 92.6 Saint Martinville LA 158 Farmers Bank and Trust Company 92.5 Marion KY 158 West Texas National Bank 92.5 Midland TX 160 Farmers & Merchants Savings Bank 92.4 Waukon IA 160 Quail Creek Bank, National Association 92.4 Oklahoma City OK 162 Heartland Bank and Trust Company 92.3 Bloomington IL 162 United Farmers State Bank 92.3 Adams MN 162 Prime Bank 92.3 Edmond OK 165 Clear Lake Bank and Trust Company 92.2 Clear Lake IA 165 Savings Bank 92.2 Primghar IA 167 Douglas National Bank 92.1 Douglas GA 167 Jefferson Bank 92.1 San Antonio TX 169 HNB National Bank 92 Hannibal MO 169 Walworth State Bank 92 Walworth WI 171 Rayne State Bank & Trust Company 91.9 Rayne LA 171 Farmers State Bank of Underwood 91.9 Underwood MN 173 Community First Bank of the Heartland 91.8 Mount Vernon IL 173 Bessemer Trust Company 91.8 Woodbridge NJ 175 Platte Valley Bank of Missouri 91.7 Platte City MO 175 Adrian Bank 91.7 Adrian MO 177 First Farmers & Merchants National Bank 91.6 Luverne MN 177 Farmers and Merchants State Bank of Pierz 91.6 Pierz MN 179 Central Bank and Trust Co Hutchinson KS 179 Bank of Commerce 91.5 Duncan OK 179 West Texas State Bank 91.5 Snyder TX 182 Homeland Federal Savings Bank 91.4 Columbia LA 182 Clayton Bank and Trust 91.4 Knoxville TN 184 First Bank Blue Earth 91.3 Blue Earth MN 184 First International Bank & Trust 91.3 Watford City ND 186 Citizens First National Bank 91.2 Storm Lake IA 186 First Bank of Chandler 91.2 Chandler OK 188 First Option Bank 91.1 Osawatomie KS 188 First National Bank & Trust Company of McAlester 91.1 McAlester OK 190 Northeast Missouri State Bank 91 Kirksville MO **Sub S Bank List** 4

5 Rank Bank 190 Sooner State Bank 91 Tuttle OK 192 First Bank & Trust Company 90.9 Wagoner OK 192 Security Bank and Trust Company 90.9 Paris TN 194 Home Exchange Bank 90.8 Jamesport MO 194 TexasBank 90.8 Brownwood TX 196 First National Bank 90.7 Alamogordo NM 196 State Bank of Texas 90.7 Dallas TX 198 Peoples Bank 90.6 Rock Valley IA 198 Bank of Holyrood 90.6 Holyrood KS 198 Central National Bank 90.6 Waco TX 201 Bank of St. Elizabeth 90.5 Saint Elizabeth MO 201 Heartland State Bank 90.5 Redfield SD 203 Garrett State Bank 90.4 Garrett IN 203 Woodhaven National Bank 90.4 Fort Worth TX 205 Union Savings Bank 90.3 Cincinnati OH 205 Vintage Bank 90.3 Waxahachie TX 207 First Security Bank-Sleepy Eye 90.2 Sleepy Eye MN 207 First Western Federal Savings Bank 90.2 Rapid City SD 209 Gateway Bank 90.1 Mendota Heights MN 209 First Federal Bank 90.1 Dickson TN 211 Community Bank 90 Alva OK 211 Justin State Bank 90 Justin TX 213 First State Bank and Trust Company of Larned 89.9 Larned KS 213 Wyoming Bank & Trust 89.9 Cheyenne WY 215 Park Ridge Community Bank 89.8 Park Ridge IL 215 Guaranty Bank & Trust Company of Delhi, Louisiana 89.8 Delhi LA 215 First National Bank of Evant 89.8 Evant TX 218 Citizens State t Bank 89.7 Wyoming IA 218 Chillicothe State Bank 89.7 Chillicothe MO 220 Luana Savings Bank 89.6 Luana IA 220 Bank of Commerce and Trust Company 89.6 Wellington KS 222 Unity Bank North 89.5 Red Lake Falls MN 222 Mason Bank 89.5 Mason TX 224 Progressive Ozark Bank 89.4 Salem MO 224 MidFirst Bank 89.4 Oklahoma City OK 226 Durden Banking Company, Incorporated 89.3 Twin City GA 226 Century Bank of the Ozarks 89.3 Gainesville MO 228 Basile State Bank 89.2 Basile LA 228 First State Bank of Clearbrook 89.2 Clearbrook MN 230 Middletown State Bank 89.1 Middletown IL 230 Sterling Bank 89.1 Barron WI 232 Austin County State Bank 89 Bellville TX 232 RiverBend Bank 89 Fort Worth TX 234 State Bank of Industry 88.9 Industry IL 234 Bank of Kilmichael 88.9 Kilmichael MS 234 ACB Bank 88.9 Cherokee OK 237 Southwest National Bank 88.8 Wichita KS 237 Bank of Star Valley 88.8 Afton WY 239 Paducah Bank and Trust Company 88.7 Paducah KY 239 American National Bank 88.7 Ardmore OK 241 Vernon Bank 88.6 Leesville LA **Sub S Bank List** 5

6 Rank Bank 241 First National Bank of Burleson 88.6 Burleson TX 243 State Savings Bank 88.5 Creston IA 243 First National Bank of Hebbronville 88.5 Hebbronville TX 245 Prairie State Bank and Trust 88.4 Springfield IL 245 Farmers and Merchants State Bank 88.4 Plankinton SD 247 Southern Heritage Bank 88.3 Jonesville LA 247 Farmers State Bank, Allen, Oklahoma 88.3 Allen OK 249 Ouachita Independent Bank 88.2 Monroe LA 249 FirstBank 88.2 Antlers OK 251 Paradise Bank 88.1 Boca Raton FL 251 Farmers Bank and Trust Company Princeton, Kentucky 88.1 Princeton KY 251 Bank of Grandin 88.1 Grandin MO 254 Center National Bank 88 Litchfield MN 254 First Bank 88 Burkburnett TX 256 Lewisburg Banking Company 87.9 Lewisburg KY 256 Bank of Hydro 87.9 Hydro OK 258 Today's Bank 87.8 Huntsville AR 258 Kentucky Farmers Bank Corporation 87.8 Ashland KY 260 Tri-State Bank and Trust 87.7 Haughton LA 260 Citizens Bank, National Association 87.7 Abilene TX 262 Odin State Bank 87.6 Odin MN 262 Buckholts State Bank 87.6 Buckholts TX 264 Auburn Banking Company 87.5 Auburn KY 264 Alton Bank 87.5 Alton MO 266 Pinnacle Bank 87.4 Lincoln NE 266 Pecos County State Bank 87.4 Fort Stockton TX 268 First National Bank of Carrollton 87.3 Carrollton KY 268 Welch State t Bank of Welch, Oklahoma 87.3 Welch OK 270 Community State Bank 87.2 Lamar CO 270 Heartland Bank 87.2 Somers IA 270 First Bank of Owasso 87.2 Owasso OK 273 Bank of Dade 87.1 Trenton GA 273 PrinsBank 87.1 Prinsburg MN 275 Maynard Savings Bank 87 Maynard IA 275 First State Bank 87 Scottsbluff NE 277 Bellevue State Bank 86.9 Bellevue IA 277 City National Bank and Trust Company of Guymon 86.9 Guymon OK 279 AmeriState Bank 86.8 Atoka OK 279 Tejas Bank 86.8 Monahans TX 281 Citizens National Bank of Park Rapids 86.7 Park Rapids MN 281 Sutton Bank 86.7 Attica OH 283 Readlyn Savings Bank 86.6 Readlyn IA 283 Exchange Bank and Trust Company, Natchitoches, Louisiana 86.6 Natchitoches LA 285 Milledgeville State Bank 86.5 Milledgeville IL **Sub S Bank List** 6

7 Rank Bank 285 Centinel Bank of Taos 86.5 Taos NM 287 Bank Northwest 86.4 Hamilton MO 287 First State Bank of San Diego 86.4 San Diego TX 287 First National Bank of Hughes Springs 86.4 Hughes Springs TX 290 Coastal Commerce Bank 86.3 Houma LA 290 Security First Bank of North Dakota 86.3 Center ND 292 Wilson & Muir Bank & Trust Company 86.2 Bardstown KY 292 American National Bank of Mount Pleasant 86.2 Mount Pleasant TX 294 UNICO Bank 86.1 Mineral Point MO 294 First State Bank of Golva 86.1 Golva ND 296 Farmers Bank & Trust Company 86 Magnolia AR 296 First National Bank of Walker 86 Walker MN 298 First National Bank of Las Animas 85.9 Las Animas CO 298 First National Bank of Henning 85.9 Ottertail MN 300 State Savings Bank 85.8 West Des Moines IA 300 Metz Banking Company 85.8 Nevada MO 302 First National Bank of Osakis 85.7 Osakis MN 302 Lakeside State Bank 85.7 New Town ND 304 Beauregard Federal Savings Bank 85.6 DeRidder LA 304 First National Bank of Bemidji 85.6 Bemidji MN 306 First Westroads Bank, Inc Omaha NE 306 Cornerstone Bank 85.5 York NE 306 Citizens National Bank at Brownwood 85.5 Brownwood TX 309 American Interstate Bank 85.4 Elkhorn NE 309 Jackson County Bank 85.4 Black River Falls WI 311 Castle Rock Bank 85.3 Castle Rock CO 311 Commercial Bank 85.3 Honea Path SC 313 First National Bank 85.2 Arcadia LA 313 Dakota Prairie Bank 85.2 Fort Pierre SD 315 Riverside Bank 85.1 Sparkman AR 315 State Bank of De Kalb 85.1 De Kalb TX 317 Citizens Deposit Bank of Arlington, Inc. 85 Arlington KY 317 Hamler State Bank 85 Hamler OH **Sub S Bank List** 7

8 Sorted by State State Rank Bank Alabama Arkansas California Colorado Florida Georgia Iowa Illinois 88 Town-Country National Bank 95.8 Camden AL 105 First Community Bank of Central Alabama 95.0 Wetumpka AL 124 First National Bank 94.1 Hamilton AL 40 Union Bank of Mena 98.1 Mena AR 258 Today's Bank 87.8 Huntsville AR 297 Farmers Bank & Trust Company 86.0 Magnolia AR 317 Riverside Bank 85.1 Sparkman AR 82 Bank of Hemet 96.1 Riverside CA 90 Frontier Bank 95.7 Lamar CO 107 Alamosa State Bank 94.9 Alamosa CO 118 North Valley Bank 94.4 Thornton CO 270 Community State Bank 87.2 Lamar CO 299 First National Bank of Las Animas 85.9 Las Animas CO 313 Castle Rock Bank 85.3 Castle Rock CO 129 Intracoastal Bank 93.9 Palm Coast FL 251 Paradise Bank 88.1 Boca Raton FL 74 NOA Bank 96.5 Duluth GA 167 Douglas National Bank 92.1 Douglas GA 226 Durden Banking Company, Incorporated 89.3 Twin City GA 273 Bank of Dade 87.1 Trenton GA 6 Panora State Bank 99.7 Panora IA 23 Pocahontas State Bank 98.9 Pocahontas IA 29 Marion County State Bank 98.6 Pella IA 33 American Savings Bank 98.4 Tripoli IA 35 Iowa State Bank 98.3 Des Moines IA 44 Palo Savings Bank 97.9 Palo IA 54 First Whitney Bank and Trust 97.4 Atlantic IA 88 Corydon State Bank 95.8 Corydon IA 110 Waukon State Bank 94.8 Waukon IA 114 Citizens Savings Bank 94.6 Anamosa IA 137 Victor State Bank 93.5 Victor IA 152 Premier Bank 92.8 Rock Valley IA 160 Farmers & Merchants Savings Bank 92.4 Waukon IA 165 Clear Lake Bank and Trust Company 92.2 Clear Lake IA 165 Savings Bank 92.2 Primghar IA 186 Citizens First National Bank 91.2 Storm Lake IA 198 Peoples Bank 90.6 Rock Valley IA 218 Citizens State Bank 89.7 Wyoming IA 220 Luana Savings Bank 89.6 Luana IA 243 State Savings Bank 88.5 Creston IA 270 Heartland Bank 87.2 Somers IA 275 Maynard Savings Bank 87.0 Maynard IA 277 Bellevue State Bank 86.9 Bellevue IA 284 Readlyn Savings Bank 86.6 Readlyn IA 301 State Savings Bank 85.8 West Des Moines IA 8 First National Bank in Taylorville 99.6 Taylorville IL 33 Marseilles Bank 98.4 Marseilles IL 46 Bank of Rantoul 97.8 Rantoul IL 59 Hill-Dodge Banking Company 97.2 Warsaw IL 63 State Bank of Lincoln 97.0 Lincoln IL 67 Franklin Bank 96.8 Franklin IL 122 Goodfield State Bank 94.2 Goodfield IL 162 Heartland Bank and Trust Company 92.3 Bloomington IL 173 Community First Bank of the Heartland 91.8 Mount Vernon IL 215 Park Ridge Community Bank 89.8 Park Ridge IL 230 Middletown State Bank 89.1 Middletown IL **Sub S Bank List** 1

9 Sorted by State State Rank Bank 234 State Bank of Industry 88.9 Industry IL 245 Prairie State Bank and Trust 88.4 Springfield IL 286 Milledgeville State Bank 86.5 Milledgeville IL Indiana 50 Freedom Bank 97.6 Huntingburg IN 143 First Bank of Berne 93.2 Berne IN 154 Grant County State Bank 92.7 Swayzee IN 203 Garrett State Bank 90.4 Garrett IN Kansas 8 First State Bank of Healy 99.6 Healy KS 71 Community National Bank 96.6 Seneca KS 78 Bank of Tescott 96.3 Tescott KS 78 Peoples State Bank 96.3 Cherryvale KS 120 Farmers State Bank 94.3 McPherson KS 179 Central Bank and Trust Co Hutchinson KS 188 First Option Bank 91.1 Osawatomie KS 198 Bank of Holyrood 90.6 Holyrood KS 213 First State Bank and Trust Company of Larned 89.9 Larned KS 220 Bank of Commerce and Trust Company 89.6 Wellington KS 237 Southwest National Bank 88.8 Wichita KS Kentucky 35 Bank of Buffalo 98.3 Buffalo KY 54 Cumberland Security Bank, Inc Somerset KY 76 Sacramento Deposit Bank 96.4 Sacramento KY 146 Taylor County Bank 93.1 Campbellsville KY 156 First United Bank and Trust Company 92.6 Madisonville KY 158 Farmers Bank and Trust Company 92.5 Marion KY 239 Paducah Bank and Trust Company 88.7 Paducah KY 251 Farmers Bank and Trust Company Princeton, Kentucky 88.1 Princeton KY 256 Lewisburg Banking Company 87.9 Lewisburg KY 258 Kentucky Farmers Bank Corporation 87.8 Ashland KY 264 Auburn Banking Company 87.5 Auburn KY 268 First National Bank of Carrollton 87.3 Carrollton KY 293 Wilson & Muir Bank & Trust Company 86.2 Bardstown KY 319 Citizens Deposit Bank of Arlington, Inc Arlington KY Louisiana 12 Hodge Bank & Trust Company 99.4 Hodge LA 71 City Savings Bank & Trust Company 96.6 DeRidder LA 90 Community First Bank 95.7 New Iberia LA 112 First National Bank of Louisiana 94.7 Crowley LA 116 Vermilion Bank & Trust Company 94.5 Kaplan LA 133 Kaplan State Bank 93.7 Kaplan LA 156 St. Martin Bank and Trust Company 92.6 Saint Martinville LA 171 Rayne State Bank & Trust Company 91.9 Rayne LA 182 Homeland Federal Savings Bank 91.4 Columbia LA 215 Guaranty Bank & Trust Company of Delhi, Louisiana 89.8 Delhi LA 228 Basile State Bank 89.2 Basile LA 241 Vernon Bank 88.6 Leesville LA 247 Southern Heritage Bank 88.3 Jonesville LA 249 Ouachita Independent Bank 88.2 Monroe LA 260 Tri-State Bank and Trust 87.7 Haughton LA 284 Exchange Bank and Trust Company, Natchitoches, Louisiana 86.6 Natchitoches LA 291 Coastal Commerce Bank 86.3 Houma LA 305 Beauregard Federal Savings Bank 85.6 DeRidder LA 315 First National Bank 85.2 Arcadia LA Minnesota 14 Vermillion State Bank 99.3 Vermillion MN 14 First National Bank of Battle Lake 99.3 Battle Lake MN 50 First Security Bank - Canby 97.6 Canby MN 54 First National Bank of Milaca 97.4 Milaca MN 90 Liberty Savings Bank, FSB 95.7 Saint Cloud MN 97 First State Bank Southwest 95.4 Pipestone MN 99 First National Bank of Menahga & Sebeka 95.3 Menahga MN 110 First Security Bank-Hendricks 94.8 Hendricks MN **Sub S Bank List** 2

10 Sorted by State State Rank Bank 135 Eitzen State Bank 93.6 Caledonia MN 148 State Bank of New Prague 93.0 New Prague MN 150 Altura State Bank 92.9 Altura MN 162 United Farmers State Bank 92.3 Adams MN 171 Farmers State Bank of Underwood 91.9 Underwood MN 177 First Farmers & Merchants National Bank 91.6 Luverne MN 177 Farmers and Merchants State Bank of Pierz 91.6 Pierz MN 184 First Bank Blue Earth 91.3 Blue Earth MN 207 First Security Bank-Sleepy Eye 90.2 Sleepy Eye MN 209 Gateway Bank 90.1 Mendota Heights MN 222 Unity Bank North 89.5 Red Lake Falls MN 228 First State Bank of Clearbrook 89.2 Clearbrook MN 254 Center National Bank 88.0 Litchfield MN 262 Odin State Bank 87.6 Odin MN 273 PrinsBank 87.1 Prinsburg MN 281 Citizens National Bank of Park Rapids 86.7 Park Rapids MN 297 First National Bank of Walker 86.0 Walker MN 299 First National Bank of Henning 85.9 Ottertail MN 303 First National Bank of Osakis 85.7 Osakis MN 305 First National Bank of Bemidji 85.6 Bemidji MN 281 Citizens National Bank of Park Rapids 86.7 Park Rapids MN Missouri 1 Peoples Community Bank Greenville MO 25 Bloomsdale Bank 98.8 Bloomsdale MO 31 Lamar Bank and Trust Company 98.5 Lamar MO 59 Community Bank of El Dorado Springs 97.2 El Dorado Springs MO 69 Security Bank of Southwest Missouri 96.7 Cassville MO 80 West Plains Bank and Trust Company 96.2 West Plains MO 93 Bank of Advance 95.6 Advance MO 122 Nodaway Valley Bank 94.2 Maryville MO 131 Tri-County Trust Company 93.8 Glasgow MO 169 HNB National Bank 92.0 Hannibal MO 175 Platte Valley Bank of Missouri 91.7 Platte City MO 175 Adrian Bank 91.7 Adrian MO 190 Northeast Missouri State Bank 91.0 Kirksville MO 194 Home Exchange Bank 90.8 Jamesport MO 201 Bank of St. Elizabeth 90.5 Saint Elizabeth MO 218 Chillicothe State Bank 89.7 Chillicothe MO 224 Progressive Ozark Bank 89.4 Salem MO 226 Century Bank of the Ozarks 89.3 Gainesville MO 251 Bank of Grandin 88.1 Grandin MO 264 Alton Bank 87.5 Alton MO 288 Bank Northwest 86.4 Hamilton MO 295 UNICO Bank 86.1 Mineral Point MO 301 Metz Banking Company 85.8 Nevada MO Mississippi 18 First National Bank of Picayune 99.1 Picayune MS 25 Bank of Morton 98.8 Morton MS 141 Commerce Bank 93.3 Corinth MS 234 Bank of Kilmichael 88.9 Kilmichael MS Montana 101 Yellowstone Bank 95.2 Laurel MT 143 Bank of Baker 93.2 Baker MT North Dakota 21 American State Bank & Trust Company of Williston 99.0 Williston ND 52 First National Bank & Trust Company of Williston 97.5 Williston ND 57 Sargent County Bank 97.3 Forman ND 74 Liberty State Bank 96.5 Powers Lake ND 116 Dakota Community Bank & Trust, National Association 94.5 Hebron ND 129 Dakota Western Bank 93.9 Bowman ND 139 United Community Bank of North Dakota 93.4 Leeds ND 184 First International Bank & Trust 91.3 Watford City ND 291 Security First Bank of North Dakota 86.3 Center ND 295 First State Bank of Golva 86.1 Golva ND **Sub S Bank List** 3

11 Sorted by State State Rank Bank 303 Lakeside State Bank 85.7 New Town ND Nebraska 99 Oak Creek Valley Bank 95.3 Valparaiso NE 266 Pinnacle Bank 87.4 Lincoln NE 275 First State Bank 87.0 Scottsbluff NE 307 First Westroads Bank, Inc Omaha NE 307 Cornerstone Bank 85.5 York NE 310 American Interstate Bank 85.4 Elkhorn NE New Jersey 61 Cenlar FSB 97.1 Ewing NJ 173 Bessemer Trust Company 91.8 Woodbridge NJ New Mexico 27 Citizens Bank 98.7 Farmington NM 29 Citizens Bank of Las Cruces 98.6 Las Cruces NM 42 Carlsbad National Bank 98.0 Carlsbad NM 61 Western Bank, Artesia, New Mexico 97.1 Artesia NM 95 Western Commerce Bank 95.5 Carlsbad NM 196 First National Bank 90.7 Alamogordo NM 286 Centinel Bank of Taos 86.5 Taos NM New York 65 Bessemer Trust Company, National Association 96.9 New York NY Ohio 4 St. Henry Bank 99.8 Saint Henry OH 112 Union Banking Company 94.7 West Mansfield OH 137 Farmers Savings Bank 93.5 Spencer OH 205 Union Savings Bank 90.3 Cincinnati OH 281 Sutton Bank 86.7 Attica OH 319 Hamler State Bank 85.0 Hamler OH Oklahoma 2 1st Bank & Trust 99.9 Broken Bow OK 18 Security State Bank 99.1 Cheyenne OK 21 First Bank of Okarche 99.0 Okarche OK 23 Peoples Bank 98.9 Westville OK 27 Farmers and Merchants National Bank of Fairview 98.7 Fairview OK 35 First Bank & Trust Co Duncan OK 38 Security National Bank of Enid 98.2 Enid OK 40 Fort Sill National Bank 98.1 Fort Sill OK 42 Morris State Bank 98.0 Morris OK 44 Central National Bank of Poteau 97.9 Poteau OK 48 Armstrong Bank 97.7 Muskogee OK 52 Security Bank 97.5 Tulsa OK 65 Exchange Bank and Trust Company 96.9 Perry OK 67 Farmers and Merchants Bank 96.8 Maysville OK 69 Farmers Exchange Bank 96.7 Cherokee OK 76 First State Bank of Porter 96.4 Porter OK 80 Oklahoma State Bank 96.2 Buffalo OK 86 First National Bank & Trust of Elk City 95.9 Elk City OK 103 Payne County Bank 95.1 Perkins OK 105 Idabel National Bank 95.0 Idabel OK 118 Community National Bank of Okarche 94.4 Okarche OK 139 First Bank & Trust Company 93.4 Perry OK 154 Bank of the West 92.7 Thomas OK 160 Quail Creek Bank, National Association 92.4 Oklahoma City OK 162 Prime Bank 92.3 Edmond OK 179 Bank of Commerce 91.5 Duncan OK 186 First Bank of Chandler 91.2 Chandler OK 188 First National Bank & Trust Company of McAlester 91.1 McAlester OK 190 Sooner State Bank 91.0 Tuttle OK 192 First Bank & Trust Company 90.9 Wagoner OK 211 Community Bank 90.0 Alva OK 224 MidFirst Bank 89.4 Oklahoma City OK 234 ACB Bank 88.9 Cherokee OK 239 American National Bank 88.7 Ardmore OK 247 Farmers State Bank, Allen, Oklahoma 88.3 Allen OK **Sub S Bank List** 4

12 Sorted by State State Rank Bank 249 FirstBank 88.2 Antlers OK 256 Bank of Hydro 87.9 Hydro OK 268 Welch State Bank of Welch, Oklahoma 87.3 Welch OK 270 First Bank of Owasso 87.2 Owasso OK 277 City National Bank and Trust Company of Guymon 86.9 Guymon OK 279 AmeriState Bank 86.8 Atoka OK Oregon 57 Oregon Coast Bank 97.3 Newport OR Pennsylvania 95 Haverford Trust Company 95.5 Radnor PA South Carolina 313 Commercial Bank 85.3 Honea Path SC South Dakota 71 Commercial State Bank of Wagner 96.6 Wagner SD 86 Peoples State Bank 95.9 Summit SD 93 First State Bank 95.6 Wilmot SD 131 Campbell County Bank, Inc Herreid SD 148 Pioneer Bank & Trust 93.0 Belle Fourche SD 201 Heartland State Bank 90.5 Redfield SD 207 First Western Federal Savings Bank 90.2 Rapid City SD 245 Farmers and Merchants State Bank 88.4 Plankinton SD 315 Dakota Prairie Bank 85.2 Fort Pierre SD Tennessee 38 Coffee County Bank 98.2 Manchester TN 82 Union Bank & Trust Company 96.1 Livingston TN 182 Clayton Bank and Trust 91.4 Knoxville TN 192 Security Bank and Trust Company 90.9 Paris TN 209 First Federal Bank 90.1 Dickson TN Texas 2 National Bank of Andrews 99.9 Andrews TX 4 Waggoner National Bank of Vernon 99.8 Vernon TX 6 First State Bank of Ben Wheeler, Texas 99.7 Ben Wheeler TX 10 Charter Bank 99.5 Corpus Christi TX 10 First State Bank of Bedias 99.5 Bedias TX 12 First State Bank 99.4 Yoakum TX 16 Cowboy Bank of Texas 99.2 Maypearl TX 18 Zapata National Bank 99.1 Zapata TX 46 First National Bank 97.8 Fabens TX 48 Morris County National Bank 97.7 Naples TX 84 Citizens National Bank of Wills Point 96.0 Wills Point TX 84 First National Bank of Albany 96.0 Albany TX 97 First National Bank of Bastrop 95.4 Bastrop TX 101 Coleman County State Bank 95.2 Coleman TX 103 Citizens State Bank 95.1 Miles TX 107 First National Bank of Mount Vernon 94.9 Mount Vernon TX 107 Muenster State Bank 94.9 Muenster TX 114 Security Bank 94.6 Midland TX 120 Inwood National Bank 94.3 Dallas TX 124 First Command Bank 94.1 Fort Worth TX 126 Commercial National Bank of Texarkana 94.0 Texarkana TX 126 NewFirst National Bank 94.0 El Campo TX 133 WestStar Bank 93.7 El Paso TX 135 Citizens State Bank 93.6 Corrigan TX 141 Woodforest National Bank 93.3 The Woodlands TX 143 First Community Bank 93.2 Corpus Christi TX 146 Commercial National Bank of Brady 93.1 Brady TX 150 City National Bank of Colorado City 92.9 Colorado City TX 152 First State Bank 92.8 Louise TX 158 West Texas National Bank 92.5 Midland TX 167 Jefferson Bank 92.1 San Antonio TX 179 West Texas State Bank 91.5 Snyder TX 194 TexasBank 90.8 Brownwood TX 196 State Bank of Texas 90.7 Dallas TX 198 Central National Bank 90.6 Waco TX **Sub S Bank List** 5

13 Sorted by State State Rank Bank 203 Woodhaven National Bank 90.4 Fort Worth TX 205 Vintage Bank 90.3 Waxahachie TX 211 Justin State Bank 90.0 Justin TX 215 First National Bank of Evant 89.8 Evant TX 222 Mason Bank 89.5 Mason TX 232 Austin County State Bank 89.0 Bellville TX 232 RiverBend Bank 89.0 Fort Worth TX 241 First National Bank of Burleson 88.6 Burleson TX 243 First National Bank of Hebbronville 88.5 Hebbronville TX 254 First Bank 88.0 Burkburnett TX 260 Citizens Bank, National Association 87.7 Abilene TX 262 Buckholts State Bank 87.6 Buckholts TX 266 Pecos County State Bank 87.4 Fort Stockton TX 279 Tejas Bank 86.8 Monahans TX 288 First State Bank of San Diego 86.4 San Diego TX 288 First National Bank of Hughes Springs 86.4 Hughes Springs TX 293 American National Bank of Mount Pleasant 86.2 Mount Pleasant TX 307 Citizens National Bank at Brownwood 85.5 Brownwood TX 317 State Bank of De Kalb 85.1 De Kalb TX Wisconsin 31 Charter Bank Eau Claire 98.5 Eau Claire WI 63 WoodTrust Bank 97.0 Wisconsin Rapids WI 126 Bank of Mauston 94.0 Mauston WI 169 Walworth State Bank 92.0 Walworth WI 230 Sterling Bank 89.1 Barron WI 310 Jackson County Bank 85.4 Black River Falls WI Wyoming 16 Hilltop National Bank 99.2 Casper WY 213 Wyoming Bank & Trust 89.9 Cheyenne WY 237 Bank of Star Valley 88.8 Afton WY **Sub S Bank List** 6