2015 Seifried & Brew Top 15th Percentile (Sub S Election Banks)

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1 2015 Seifried & Brew Top 15th Percentile (Sub S Election Banks) What is the secret of an S&B Top 15th Percentile 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 Tri-State Bank and Trust Haughton LA 2 Vermillion State Bank 99.9 Vermillion MN 2 Peoples Community Bank 99.9 Greenville MO 4 National Bank of Andrews 99.8 Andrews TX 4 Waggoner National Bank of Vernon 99.8 Vernon TX 6 Hodge Bank & Trust Company 99.7 Hodge LA 6 Cenlar FSB 99.7 Ewing NJ 8 Pocahontas State Bank 99.6 Pocahontas IA 8 St. Henry Bank 99.6 Saint Henry OH 10 1st Bank & Trust 99.5 Broken Bow OK 10 Zapata National Bank 99.5 Zapata TX 12 First National Bank in Taylorville 99.4 Taylorville IL 12 Bloomsdale Bank 99.4 Bloomsdale MO 14 FSNB, National Association 99.3 Lawton OK 14 Charter Bank 99.3 Corpus Christi TX 16 Palo Savings Bank 99.2 Palo IA 16 Western Bank, Artesia, New Mexico 99.2 Artesia NM 18 North Valley Bank 99.1 Thornton CO 18 Community National Bank 99.1 Seneca KS 20 First Whitney Bank and Trust 99.0 Atlantic IA 20 Coffee County Bank 99.0 Manchester TN 22 Boston Trust & Investment Management Company 98.9 Boston MA 22 Lamar Bank and Trust Company 98.9 Lamar MO 24 American State Bank & Trust Company of Williston 98.8 Williston ND 24 Citizens National Bank of Wills Point 98.8 Wills Point TX 26 Central National Bank of Poteau 98.7 Poteau OK 26 Commercial National Bank of Brady 98.7 Brady TX 28 Bank of Advance 98.6 Advance MO 28 Bank of Mauston 98.6 Mauston WI 30 Bank of Rantoul 98.5 Rantoul IL 30 Security State Bank 98.5 Cheyenne OK 32 Alamosa State Bank 98.4 Alamosa CO 32 First National Bank & Trust of Elk City 98.4 Elk City OK 34 Liberty State Bank 98.3 Powers Lake ND 34 Sargent County Bank 98.3 Forman ND 36 Frontier Bank 98.2 Lamar CO 36 Cenlar Capital Corporation 98.2 Ewing NJ **Sub S Bank List** 1

2 Rank Bank 38 Marseilles Bank 98.1 Marseilles IL 38 Centinel Bank of Taos 98.1 Taos NM 40 Marion County State Bank 98.0 Pella IA 40 Bank of Buffalo 98.0 Buffalo KY 42 Freedom Bank 97.9 Huntingburg IN 42 Citizens First National Bank 97.9 Storm Lake IA 42 Bessemer Trust Company, National Association 97.9 New York NY 45 Panora State Bank 97.8 Panora IA 45 Citizens Bank of Las Cruces 97.8 Las Cruces NM 47 Farmers and Merchants National Bank of Fairview 97.7 Fairview OK 47 First National Bank 97.7 Fabens TX 49 Haverford Trust Company 97.6 Radnor PA 49 WestStar Bank 97.6 El Paso TX 51 Hill-Dodge Banking Company 97.5 Warsaw IL 51 American National Bank of Mount Pleasant 97.5 Mount Pleasant TX 53 NOA Bank 97.4 Duluth GA 53 Morris State Bank 97.4 Morris OK 55 Liberty Bank Minnesota 97.3 Saint Cloud MN 55 Security Bank of Southwest Missouri 97.3 Cassville MO 57 Corydon State Bank 97.2 Corydon IA 57 Citizens State Bank 97.2 Corrigan TX 59 Town-Country National Bank 97.1 Camden AL 59 First Bank of Okarche 97.1 Okarche OK 61 Home Bank of California 97.0 San Diego CA 61 First State Bank Southwest 97.0 Pipestone MN 63 Iowa State Bank 96.9 Des Moines IA 63 Wyoming Bank & Trust 96.9 Cheyenne WY 65 Waukon State Bank 96.8 Waukon IA 65 Community National Bank of Okarche 96.8 Okarche OK 67 First National Bank of Battle Lake 96.7 Battle Lake MN 67 Security National Bank of Enid 96.7 Enid OK 69 Commerce Bank 96.6 Corinth MS 69 Charter Bank 96.6 Eau Claire WI 71 First State Bank of Healy 96.5 Healy KS 71 First National Bank of Evant 96.5 Evant TX 73 Bank of Hemet 96.4 Riverside CA 73 Security Bank 96.4 Tulsa OK 75 Quail Creek Bank, National Association 96.3 Oklahoma City OK 75 First Command Bank 96.3 Fort Worth TX 77 Peoples Bank & Trust Company 96.2 Ryan OK 77 Farmers and Merchants Bank 96.2 Maysville OK 79 Goodfield State Bank 96.1 Goodfield IL 79 First National Bank of Milaca 96.1 Milaca MN 81 Cowboy Bank of Texas 96.0 Maypearl TX 81 Peoples State Bank 96.0 Rocksprings TX 83 Community First Bank 95.9 New Iberia LA 83 City National Bank of Sulphur Springs 95.9 Sulphur Springs TX 83 First National Bank of Bastrop 95.9 Bastrop TX 86 Citizens Savings Bank 95.8 Anamosa IA 86 NewFirst National Bank 95.8 El Campo TX 88 State Bank of De Kalb 95.7 De Kalb TX **Sub S Bank List** 2

3 Rank Bank 88 Coleman County State Bank 95.7 Coleman TX 90 Durden Banking Company, Incorporated 95.6 Twin City GA 90 Western Commerce Bank 95.6 Carlsbad NM 92 First National Bank 95.5 Alamogordo NM 92 Citizens State Bank 95.5 Miles TX 94 Peoples Bank 95.4 Westville OK 94 Woodforest National Bank 95.4 The Woodlands TX 96 Farmers Exchange Bank 95.3 Cherokee OK 96 First State Bank of Ben Wheeler, Texas 95.3 Ben Wheeler TX 98 First National Bank & Trust Company of Williston 95.2 Williston ND 98 Exchange Bank and Trust Company 95.2 Perry OK 100 United Bank 95.1 Zebulon GA 100 First National Bank of Picayune 95.1 Picayune MS 102 South Georgia Bank 95.0 Glennville GA 102 Community Bank of El Dorado Springs 95.0 El Dorado Springs MO 104 Union Bank of Mena 94.9 Mena AR 104 Oklahoma State Bank 94.9 Buffalo OK 106 First Community Bank of Central Alabama 94.8 Wetumpka AL 106 American Savings Bank 94.8 Tripoli IA 108 Dakota Community Bank & Trust, National Association 94.7 Hebron ND 108 First Bank & Trust Company 94.7 Perry OK 110 First State Bank 94.6 Graham TX 110 WoodTrust Bank 94.6 Wisconsin Rapids WI 112 Cleo State Bank 94.5 Cleo Springs OK 112 Sterling Bank 94.5 Barron WI 114 Bank of Tescott 94.4 Tescott KS 114 Tolleson Private Bank 94.4 Dallas TX 116 Senath State Bank 94.3 Senath MO 116 First State Bank 94.3 Wilmot SD 118 Kaplan State Bank 94.2 Kaplan LA 118 Commercial State Bank of Wagner 94.2 Wagner SD 120 First National Bank of Bemidji 94.1 Bemidji MN 120 HNB National Bank 94.1 Hannibal MO 122 Nodaway Valley Bank 94.0 Maryville MO 122 Yellowstone Bank 94.0 Laurel MT 124 Park Ridge Community Bank 93.9 Park Ridge IL 124 First Bank of Chandler 93.9 Chandler OK 126 Points West Community Bank 93.8 Julesburg CO 126 City Bank and Trust Company 93.8 Guymon OK 126 First State Bank 93.8 Yoakum TX 129 Carlsbad National Bank 93.7 Carlsbad NM 129 First Bank & Trust Company 93.7 Wagoner OK 131 City Savings Bank & Trust Company 93.6 DeRidder LA 131 Campbell County Bank, Inc Herreid SD 133 Piggott State Bank 93.5 Piggott AR 133 Central National Bank 93.5 Waco TX 135 Phelps County Bank 93.4 Rolla MO 135 First National Bank of Hebbronville 93.4 Hebbronville TX 137 Citizens Community Bank 93.3 Hahira GA 137 Grant County State Bank 93.3 Swayzee IN 139 Brannen Bank 93.2 Inverness FL **Sub S Bank List** 3

4 Rank Bank 139 First Bank & Trust Co Duncan OK 141 Kearny County Bank 93.1 Lakin KS 141 Farmers and Merchants State Bank of Pierz 93.1 Pierz MN 143 Cumberland Security Bank, Inc Somerset KY 143 First Security Bank - Canby 93.0 Canby MN 145 State Bank of New Prague 92.9 New Prague MN 145 Peoples State Bank 92.9 Summit SD 147 First Eagle Bank 92.8 Chicago IL 147 St. Martin Bank and Trust Company 92.8 Saint Martinville LA 149 Savings Bank 92.7 Primghar IA 149 Community Bank 92.7 Longview TX 151 Commercial Bank & Trust Company 92.6 Monticello AR 151 Bank of the West 92.6 Thomas OK 153 Platte Valley Bank of Missouri 92.5 Platte City MO 153 First State Bank 92.5 Louise TX 155 Central Bank and Trust Co Hutchinson KS 155 Farmers Bank & Trust 92.4 Great Bend KS 157 Altura State Bank 92.3 Altura MN 157 West Plains Bank and Trust Company 92.3 West Plains MO 159 Douglas National Bank 92.2 Douglas GA 159 Legence Bank 92.2 Eldorado IL 161 Central State Bank 92.1 Pleasant Hill IL 161 St. Martin National Bank 92.1 Saint Martin MN 163 Murphy Bank 92.0 Fresno CA 163 Credit One Bank, National Association 92.0 Las Vegas NV 165 Taylor County Bank 91.9 Campbellsville KY 165 Dakota Western Bank 91.9 Bowman ND 167 Intracoastal Bank 91.8 Palm Coast FL 167 Milledgeville State Bank 91.8 Milledgeville IL 167 Citizens Bank 91.8 Farmington NM 170 First National Bank of Louisiana 91.7 Crowley LA 170 Corner Stone Bank 91.7 South West City MO 172 Prime Bank 91.6 Edmond OK 172 First National Bank of Hughes Springs 91.6 Hughes Springs TX 174 Bellevue State Bank 91.5 Bellevue IA 174 Union Bank & Trust Company 91.5 Livingston TN 176 Clear Lake Bank and Trust Company 91.4 Clear Lake IA 176 First State Bank of Le Center 91.4 Le Center MN 178 Wilson & Muir Bank & Trust Company 91.3 Bardstown KY 178 Idabel National Bank 91.3 Idabel OK 180 Commercial Bank & Trust Company 91.2 Paris TN 180 Austin County State Bank 91.2 Bellville TX 182 Victor State Bank 91.1 Victor IA 182 Midwest Bank 91.1 Detroit Lakes MN 184 Premier Bank 91.0 Rock Valley IA 184 First State Bank 91.0 Scottsbluff NE 186 Nebraska State Bank 90.9 Oshkosh NE 186 First National Bank of Albany 90.9 Albany TX 188 Success Bank 90.8 Bloomfield IA 188 Rayne State Bank & Trust Company 90.8 Rayne LA 190 Peoples Bank 90.7 Rock Valley IA **Sub S Bank List** 4

5 Rank Bank 190 Exchange Bank and Trust Company, Natchitoches, Louisiana 90.7 Natchitoches LA 192 Citizens Bank & Trust Co Hutchinson MN 192 Inwood National Bank 90.6 Dallas TX 194 Beauregard Federal Savings Bank 90.5 DeRidder LA 194 First State Bank 90.5 Watonga OK 196 First Bank of Owasso 90.4 Owasso OK 196 Citizens Tri-County Bank 90.4 Dunlap TN 198 Community Bank of the South 90.3 Smyrna GA 198 Independence Bank of Kentucky 90.3 Owensboro KY 200 Solon State Bank 90.2 Solon IA 200 First State Bank of Bedias 90.2 Bedias TX 202 Farmers and Merchants State Bank 90.1 Langdon ND 202 Perryton National Bank 90.1 Perryton TX 204 Jefferson Bank 90.0 San Antonio TX 204 First National Bank of Livingston 90.0 Livingston TX 206 Bank of Commerce and Trust Company 89.9 Wellington KS 206 Farmers Bank of Lincoln 89.9 Lincoln MO 208 Vermilion Bank & Trust Company 89.8 Kaplan LA 208 First National Bank of Stigler 89.8 Stigler OK 210 Middletown State Bank 89.7 Middletown IL 210 Tri-Parish Bank 89.7 Eunice LA 210 Farmers and Merchants State Bank 89.7 Plankinton SD 213 Southern Heritage Bank 89.6 Jonesville LA 213 First Bank 89.6 Burkburnett TX 215 KS StateBank 89.5 Manhattan KS 215 First Security Bank of Roundup 89.5 Roundup MT 217 Fisher National Bank 89.4 Fisher IL 217 State Savings Bank 89.4 Creston IA 219 Farmers Savings Bank 89.3 Wever IA 219 Bank of Baker 89.3 Baker MT 221 Pinnacle Bank 89.2 Lincoln NE 221 Clayton Bank and Trust 89.2 Knoxville TN 223 Palm Beach Community Bank 89.1 West Palm Beach FL 223 Farmers & Merchants Savings Bank 89.1 Waukon IA 225 Kaw Valley State Bank and Trust Company 89.0 Wamego KS 225 Sacramento Deposit Bank 89.0 Sacramento KY 227 Villa Grove State Bank 88.9 Villa Grove IL 227 Bank of Geneva 88.9 Geneva IN 229 Four Corners Community Bank 88.8 Farmington NM 229 Bank of Star Valley 88.8 Afton WY 231 First National Bank of Las Animas 88.7 Las Animas CO 231 Pinnacle Bank - Wyoming 88.7 Torrington WY 233 Ashton State Bank 88.6 Ashton IA 233 Citizens National Bank of Park Rapids 88.6 Park Rapids MN 235 First Bank Blue Earth 88.5 Blue Earth MN 235 State Bank of Texas 88.5 Dallas TX 237 Heartland Bank 88.4 Somers IA 237 First National Bank of Carrollton 88.4 Carrollton KY 239 Heartland Bank and Trust Company 88.3 Bloomington IL 239 Maynard Savings Bank 88.3 Maynard IA 241 First Minnetonka City Bank 88.2 Minnetonka MN **Sub S Bank List** 5

6 Rank Bank 241 Richland State Bank 88.2 Bruce SD 243 Missouri Bank 88.1 Warrenton MO 243 First International Bank & Trust 88.1 Watford City ND 245 Century Bank of the Ozarks 88.0 Gainesville MO 245 Crowell State Bank 88.0 Crowell TX 247 Vermilion Valley Bank 87.9 Piper City IL 247 Luana Savings Bank 87.9 Luana IA 249 Bank of Commerce 87.8 Duncan OK 249 First National Bank of Central Texas 87.8 Waco TX 251 Five Points Bank 87.7 Grand Island NE 251 Shamrock Bank, N.A Coalgate OK 251 Payne County Bank 87.7 Perkins OK 254 Home Exchange Bank 87.6 Jamesport MO 254 Bank of Milton 87.6 Milton WI 256 Wauchula State Bank 87.5 Wauchula FL 256 American National Bank 87.5 Ardmore OK 258 Citizens State Bank 87.4 Marysville KS 258 Bank and Trust, SSB 87.4 Del Rio TX 260 Falcon National Bank 87.3 Foley MN 260 Farmers State Bank, Allen, Oklahoma 87.3 Allen OK 262 Citizens Deposit Bank of Arlington, Inc Arlington KY 262 Commercial National Bank of Texarkana 87.2 Texarkana TX 264 Wilburton State Bank 87.1 Wilburton OK 264 Farmers and Merchants Bank of Kendall 87.1 Kendall WI 266 Morris Bank 87.0 Dublin GA 266 First Bank Hampton 87.0 Hampton IA 268 Germantown Trust & Savings Bank 86.9 Breese IL 268 Bank, The 86.9 Oberlin KS 270 Farmers Bank 86.8 Ault CO 270 Texas Bank Financial 86.8 Weatherford TX 272 Garrett State Bank 86.7 Garrett IN 272 First Security Bank-Hendricks 86.7 Hendricks MN 274 Decorah Bank & Trust Company 86.6 Decorah IA 274 BLC Community Bank 86.6 Little Chute WI 276 Regional Missouri Bank 86.5 Marceline MO 276 Utah Independent Bank 86.5 Salina UT 278 Bank of Colorado 86.4 Fort Collins CO 278 First Bank of Berne 86.4 Berne IN 280 Lewisburg Banking Company 86.3 Lewisburg KY 280 First National Bank of Burleson 86.3 Burleson TX 282 TexasBank 86.2 Brownwood TX 282 Preston National Bank 86.2 Dallas TX 284 Drummond Community Bank 86.1 Chiefland FL 284 First Neodesha Bank 86.1 Neodesha KS **Sub S Bank List** 6

7 Rank Bank 286 Countryside Bank 86.0 Countryside IL 286 Security First Bank of North Dakota 86.0 Center ND 288 First State Bank of Beecher City 85.9 Beecher City IL 288 Citizens State Bank 85.9 Wyoming IA 290 Coastal Commerce Bank 85.8 Houma LA 290 Homeland Federal Savings Bank 85.8 Columbia LA 292 Janesville State Bank 85.7 Janesville MN 292 American Interstate Bank 85.7 Elkhorn NE 292 Republic Bank & Trust 85.7 Norman OK 295 Readlyn Savings Bank 85.6 Readlyn IA 295 Peoples State Bank 85.6 Blair OK 297 Citizens Bank of Cumberland County 85.5 Burkesville KY 297 Bank of Commerce 85.5 McLean TX 299 Bank of Kilmichael 85.4 Kilmichael MS 299 First Security Bank - West 85.4 Beulah ND 301 Farmers Bank and Trust Company 85.3 Marion KY 301 Basile State Bank 85.3 Basile LA 303 Traditional Bank, Inc Mount Sterling KY 303 First State Bank 85.2 Stratford TX 305 First National Bank of Coffee County 85.1 Douglas GA 305 Farmers State Bank 85.1 Groesbeck TX 307 Englewood Bank & Trust 85.0 Englewood FL 307 Bank of the Panhandle 85.0 Guymon OK 309 First Community Bank 84.9 Santa Rosa CA 309 BankWest, Inc Pierre SD **Sub S Bank List** 7

8 Sorted by State State Rank Bank Alabama Arkansas California Colorado Florida Georgia Illinois Indiana Iowa 59 Town-Country National Bank 97.1 Camden AL 106 First Community Bank of Central Alabama 94.8 Wetumpka AL 104 Union Bank of Mena 94.9 Mena AR 133 Piggott State Bank 93.5 Piggott AR 151 Commercial Bank & Trust Company 92.6 Monticello AR 61 Home Bank of California 97.0 San Diego CA 73 Bank of Hemet 96.4 Riverside CA 163 Murphy Bank 92.0 Fresno CA 309 First Community Bank 84.9 Santa Rosa CA 18 North Valley Bank 99.1 Thornton CO 32 Alamosa State Bank 98.4 Alamosa CO 36 Frontier Bank 98.2 Lamar CO 126 Points West Community Bank 93.8 Julesburg CO 231 First National Bank of Las Animas 88.7 Las Animas CO 270 Farmers Bank 86.8 Ault CO 278 Bank of Colorado 86.4 Fort Collins CO 139 Brannen Bank 93.2 Inverness FL 167 Intracoastal Bank 91.8 Palm Coast FL 223 Palm Beach Community Bank 89.1 West Palm Beach FL 256 Wauchula State Bank 87.5 Wauchula FL 284 Drummond Community Bank 86.1 Chiefland FL 307 Englewood Bank & Trust 85.0 Englewood FL 53 NOA Bank 97.4 Duluth GA 90 Durden Banking Company, Incorporated 95.6 Twin City GA 100 United Bank 95.1 Zebulon GA 102 South Georgia Bank 95.0 Glennville GA 137 Citizens Community Bank 93.3 Hahira GA 159 Douglas National Bank 92.2 Douglas GA 198 Community Bank of the South 90.3 Smyrna GA 266 Morris Bank 87.0 Dublin GA 305 First National Bank of Coffee County 85.1 Douglas GA 12 First National Bank in Taylorville 99.4 Taylorville IL 30 Bank of Rantoul 98.5 Rantoul IL 38 Marseilles Bank 98.1 Marseilles IL 51 Hill-Dodge Banking Company 97.5 Warsaw IL 79 Goodfield State Bank 96.1 Goodfield IL 124 Park Ridge Community Bank 93.9 Park Ridge IL 147 First Eagle Bank 92.8 Chicago IL 159 Legence Bank 92.2 Eldorado IL 161 Central State Bank 92.1 Pleasant Hill IL 167 Milledgeville State Bank 91.8 Milledgeville IL 210 Middletown State Bank 89.7 Middletown IL 217 Fisher National Bank 89.4 Fisher IL 227 Villa Grove State Bank 88.9 Villa Grove IL 239 Heartland Bank and Trust Company 88.3 Bloomington IL 247 Vermilion Valley Bank 87.9 Piper City IL 268 Germantown Trust & Savings Bank 86.9 Breese IL 286 Countryside Bank 86.0 Countryside IL 288 First State Bank of Beecher City 85.9 Beecher City IL 42 Freedom Bank 97.9 Huntingburg IN 137 Grant County State Bank 93.3 Swayzee IN 227 Bank of Geneva 88.9 Geneva IN 272 Garrett State Bank 86.7 Garrett IN 278 First Bank of Berne 86.4 Berne IN 8 Pocahontas State Bank 99.6 Pocahontas IA **Sub S Bank List** 8

9 Sorted by State State Rank Bank 16 Palo Savings Bank 99.2 Palo IA 20 First Whitney Bank and Trust 99.0 Atlantic IA 40 Marion County State Bank 98.0 Pella IA 42 Citizens First National Bank 97.9 Storm Lake IA 45 Panora State Bank 97.8 Panora IA 57 Corydon State Bank 97.2 Corydon IA 63 Iowa State Bank 96.9 Des Moines IA 65 Waukon State Bank 96.8 Waukon IA 86 Citizens Savings Bank 95.8 Anamosa IA 106 American Savings Bank 94.8 Tripoli IA 149 Savings Bank 92.7 Primghar IA 174 Bellevue State Bank 91.5 Bellevue IA 176 Clear Lake Bank and Trust Company 91.4 Clear Lake IA 182 Victor State Bank 91.1 Victor IA 184 Premier Bank 91.0 Rock Valley IA 188 Success Bank 90.8 Bloomfield IA 190 Peoples Bank 90.7 Rock Valley IA 200 Solon State Bank 90.2 Solon IA 217 State Savings Bank 89.4 Creston IA 219 Farmers Savings Bank 89.3 Wever IA 223 Farmers & Merchants Savings Bank 89.1 Waukon IA 233 Ashton State Bank 88.6 Ashton IA 237 Heartland Bank 88.4 Somers IA 239 Maynard Savings Bank 88.3 Maynard IA 247 Luana Savings Bank 87.9 Luana IA 266 First Bank Hampton 87.0 Hampton IA 274 Decorah Bank & Trust Company 86.6 Decorah IA 288 Citizens State Bank 85.9 Wyoming IA 295 Readlyn Savings Bank 85.6 Readlyn IA Kansas 18 Community National Bank 99.1 Seneca KS 71 First State Bank of Healy 96.5 Healy KS 114 Bank of Tescott 94.4 Tescott KS 141 Kearny County Bank 93.1 Lakin KS 155 Central Bank and Trust Co Hutchinson KS 155 Farmers Bank & Trust 92.4 Great Bend KS 206 Bank of Commerce and Trust Company 89.9 Wellington KS 215 KS StateBank 89.5 Manhattan KS 225 Kaw Valley State Bank and Trust Company 89.0 Wamego KS 258 Citizens State Bank 87.4 Marysville KS 268 Bank, The 86.9 Oberlin KS 284 First Neodesha Bank 86.1 Neodesha KS Kentucky 40 Bank of Buffalo 98.0 Buffalo KY 143 Cumberland Security Bank, Inc Somerset KY 165 Taylor County Bank 91.9 Campbellsville KY 178 Wilson & Muir Bank & Trust Company 91.3 Bardstown KY 198 Independence Bank of Kentucky 90.3 Owensboro KY 225 Sacramento Deposit Bank 89.0 Sacramento KY 237 First National Bank of Carrollton 88.4 Carrollton KY 262 Citizens Deposit Bank of Arlington, Inc Arlington KY 280 Lewisburg Banking Company 86.3 Lewisburg KY 297 Citizens Bank of Cumberland County 85.5 Burkesville KY 301 Farmers Bank and Trust Company 85.3 Marion KY 303 Traditional Bank, Inc Mount Sterling KY Louisiana 1 Tri-State Bank and Trust Haughton LA 6 Hodge Bank & Trust Company 99.7 Hodge LA 83 Community First Bank 95.9 New Iberia LA 118 Kaplan State Bank 94.2 Kaplan LA 131 City Savings Bank & Trust Company 93.6 DeRidder LA 147 St. Martin Bank and Trust Company 92.8 Saint Martinville LA 170 First National Bank of Louisiana 91.7 Crowley LA 188 Rayne State Bank & Trust Company 90.8 Rayne LA **Sub S Bank List** 9

10 Sorted by State State Rank Bank 190 Exchange Bank and Trust Company, Natchitoches, Louisiana 90.7 Natchitoches LA 194 Beauregard Federal Savings Bank 90.5 DeRidder LA 208 Vermilion Bank & Trust Company 89.8 Kaplan LA 210 Tri-Parish Bank 89.7 Eunice LA 213 Southern Heritage Bank 89.6 Jonesville LA 290 Coastal Commerce Bank 85.8 Houma LA 290 Homeland Federal Savings Bank 85.8 Columbia LA 301 Basile State Bank 85.3 Basile LA Massachusetts 22 Boston Trust & Investment Management Company 98.9 Boston MA Minnesota 2 Vermillion State Bank 99.9 Vermillion MN 55 Liberty Bank Minnesota 97.3 Saint Cloud MN 61 First State Bank Southwest 97.0 Pipestone MN 67 First National Bank of Battle Lake 96.7 Battle Lake MN 79 First National Bank of Milaca 96.1 Milaca MN 120 First National Bank of Bemidji 94.1 Bemidji MN 141 Farmers and Merchants State Bank of Pierz 93.1 Pierz MN 143 First Security Bank - Canby 93.0 Canby MN 145 State Bank of New Prague 92.9 New Prague MN 157 Altura State Bank 92.3 Altura MN 161 St. Martin National Bank 92.1 Saint Martin MN 176 First State Bank of Le Center 91.4 Le Center MN 182 Midwest Bank 91.1 Detroit Lakes MN 192 Citizens Bank & Trust Co Hutchinson MN 233 Citizens National Bank of Park Rapids 88.6 Park Rapids MN 235 First Bank Blue Earth 88.5 Blue Earth MN 241 First Minnetonka City Bank 88.2 Minnetonka MN 260 Falcon National Bank 87.3 Foley MN 272 First Security Bank-Hendricks 86.7 Hendricks MN 292 Janesville State Bank 85.7 Janesville MN Mississippi 69 Commerce Bank 96.6 Corinth MS 100 First National Bank of Picayune 95.1 Picayune MS 299 Bank of Kilmichael 85.4 Kilmichael MS Missouri 2 Peoples Community Bank 99.9 Greenville MO 12 Bloomsdale Bank 99.4 Bloomsdale MO 22 Lamar Bank and Trust Company 98.9 Lamar MO 28 Bank of Advance 98.6 Advance MO 55 Security Bank of Southwest Missouri 97.3 Cassville MO 102 Community Bank of El Dorado Springs 95.0 El Dorado Springs MO 116 Senath State Bank 94.3 Senath MO 120 HNB National Bank 94.1 Hannibal MO 122 Nodaway Valley Bank 94.0 Maryville MO 135 Phelps County Bank 93.4 Rolla MO 153 Platte Valley Bank of Missouri 92.5 Platte City MO 157 West Plains Bank and Trust Company 92.3 West Plains MO 170 Corner Stone Bank 91.7 South West City MO 206 Farmers Bank of Lincoln 89.9 Lincoln MO 243 Missouri Bank 88.1 Warrenton MO 245 Century Bank of the Ozarks 88.0 Gainesville MO 254 Home Exchange Bank 87.6 Jamesport MO 276 Regional Missouri Bank 86.5 Marceline MO Montana 122 Yellowstone Bank 94.0 Laurel MT 215 First Security Bank of Roundup 89.5 Roundup MT 219 Bank of Baker 89.3 Baker MT Nebraska 184 First State Bank 91.0 Scottsbluff NE 186 Nebraska State Bank 90.9 Oshkosh NE 221 Pinnacle Bank 89.2 Lincoln NE 251 Five Points Bank 87.7 Grand Island NE 292 American Interstate Bank 85.7 Elkhorn NE **Sub S Bank List** 10

11 Sorted by State State Rank Bank Nevada 163 Credit One Bank, National Association 92.0 Las Vegas NV New Jersey 6 Cenlar FSB 99.7 Ewing NJ 36 Cenlar Capital Corporation 98.2 Ewing NJ New Mexico 16 Western Bank, Artesia, New Mexico 99.2 Artesia NM 38 Centinel Bank of Taos 98.1 Taos NM 45 Citizens Bank of Las Cruces 97.8 Las Cruces NM 90 Western Commerce Bank 95.6 Carlsbad NM 92 First National Bank 95.5 Alamogordo NM 129 Carlsbad National Bank 93.7 Carlsbad NM 167 Citizens Bank 91.8 Farmington NM 229 Four Corners Community Bank 88.8 Farmington NM New York 42 Bessemer Trust Company, National Association 97.9 New York NY North Dakota 24 American State Bank & Trust Company of Williston 98.8 Williston ND 34 Liberty State Bank 98.3 Powers Lake ND 34 Sargent County Bank 98.3 Forman ND 98 First National Bank & Trust Company of Williston 95.2 Williston ND 108 Dakota Community Bank & Trust, National Association 94.7 Hebron ND 165 Dakota Western Bank 91.9 Bowman ND 202 Farmers and Merchants State Bank 90.1 Langdon ND 243 First International Bank & Trust 88.1 Watford City ND 286 Security First Bank of North Dakota 86.0 Center ND 299 First Security Bank - West 85.4 Beulah ND Ohio 8 St. Henry Bank 99.6 Saint Henry OH Oklahoma 10 1st Bank & Trust 99.5 Broken Bow OK 14 FSNB, National Association 99.3 Lawton OK 26 Central National Bank of Poteau 98.7 Poteau OK 30 Security State Bank 98.5 Cheyenne OK 32 First National Bank & Trust of Elk City 98.4 Elk City OK 47 Farmers and Merchants National Bank of Fairview 97.7 Fairview OK 53 Morris State Bank 97.4 Morris OK 59 First Bank of Okarche 97.1 Okarche OK 65 Community National Bank of Okarche 96.8 Okarche OK 67 Security National Bank of Enid 96.7 Enid OK 73 Security Bank 96.4 Tulsa OK 75 Quail Creek Bank, National Association 96.3 Oklahoma City OK 77 Peoples Bank & Trust Company 96.2 Ryan OK 77 Farmers and Merchants Bank 96.2 Maysville OK 94 Peoples Bank 95.4 Westville OK 96 Farmers Exchange Bank 95.3 Cherokee OK 98 Exchange Bank and Trust Company 95.2 Perry OK 104 Oklahoma State Bank 94.9 Buffalo OK 108 First Bank & Trust Company 94.7 Perry OK 112 Cleo State Bank 94.5 Cleo Springs OK 124 First Bank of Chandler 93.9 Chandler OK 126 City Bank and Trust Company 93.8 Guymon OK 129 First Bank & Trust Company 93.7 Wagoner OK 139 First Bank & Trust Co Duncan OK 151 Bank of the West 92.6 Thomas OK 172 Prime Bank 91.6 Edmond OK 178 Idabel National Bank 91.3 Idabel OK 194 First State Bank 90.5 Watonga OK 196 First Bank of Owasso 90.4 Owasso OK 208 First National Bank of Stigler 89.8 Stigler OK 249 Bank of Commerce 87.8 Duncan OK 251 Shamrock Bank, N.A Coalgate OK 251 Payne County Bank 87.7 Perkins OK 256 American National Bank 87.5 Ardmore OK **Sub S Bank List** 11

12 Sorted by State State Rank Bank 260 Farmers State Bank, Allen, Oklahoma 87.3 Allen OK 264 Wilburton State Bank 87.1 Wilburton OK 292 Republic Bank & Trust 85.7 Norman OK 295 Peoples State Bank 85.6 Blair OK 307 Bank of the Panhandle 85.0 Guymon OK Pennsylvania 49 Haverford Trust Company 97.6 Radnor PA South Dakota 116 First State Bank 94.3 Wilmot SD 118 Commercial State Bank of Wagner 94.2 Wagner SD 131 Campbell County Bank, Inc Herreid SD 145 Peoples State Bank 92.9 Summit SD 210 Farmers and Merchants State Bank 89.7 Plankinton SD 241 Richland State Bank 88.2 Bruce SD 309 BankWest, Inc Pierre SD Tennessee 20 Coffee County Bank 99.0 Manchester TN 174 Union Bank & Trust Company 91.5 Livingston TN 180 Commercial Bank & Trust Company 91.2 Paris TN 196 Citizens Tri-County Bank 90.4 Dunlap TN 221 Clayton Bank and Trust 89.2 Knoxville TN Texas 4 National Bank of Andrews 99.8 Andrews TX 4 Waggoner National Bank of Vernon 99.8 Vernon TX 10 Zapata National Bank 99.5 Zapata TX 14 Charter Bank 99.3 Corpus Christi TX 24 Citizens National Bank of Wills Point 98.8 Wills Point TX 26 Commercial National Bank of Brady 98.7 Brady TX 47 First National Bank 97.7 Fabens TX 49 WestStar Bank 97.6 El Paso TX 51 American National Bank of Mount Pleasant 97.5 Mount Pleasant TX 57 Citizens State Bank 97.2 Corrigan TX 71 First National Bank of Evant 96.5 Evant TX 75 First Command Bank 96.3 Fort Worth TX 81 Cowboy Bank of Texas 96.0 Maypearl TX 81 Peoples State Bank 96.0 Rocksprings TX 83 City National Bank of Sulphur Springs 95.9 Sulphur Springs TX 83 First National Bank of Bastrop 95.9 Bastrop TX 86 NewFirst National Bank 95.8 El Campo TX 88 State Bank of De Kalb 95.7 De Kalb TX 88 Coleman County State Bank 95.7 Coleman TX 92 Citizens State Bank 95.5 Miles TX 94 Woodforest National Bank 95.4 The Woodlands TX 96 First State Bank of Ben Wheeler, Texas 95.3 Ben Wheeler TX 110 First State Bank 94.6 Graham TX 114 Tolleson Private Bank 94.4 Dallas TX 126 First State Bank 93.8 Yoakum TX 133 Central National Bank 93.5 Waco TX 135 First National Bank of Hebbronville 93.4 Hebbronville TX 149 Community Bank 92.7 Longview TX 153 First State Bank 92.5 Louise TX 172 First National Bank of Hughes Springs 91.6 Hughes Springs TX 180 Austin County State Bank 91.2 Bellville TX 186 First National Bank of Albany 90.9 Albany TX 192 Inwood National Bank 90.6 Dallas TX 200 First State Bank of Bedias 90.2 Bedias TX 202 Perryton National Bank 90.1 Perryton TX 204 Jefferson Bank 90.0 San Antonio TX 204 First National Bank of Livingston 90.0 Livingston TX 213 First Bank 89.6 Burkburnett TX 235 State Bank of Texas 88.5 Dallas TX 245 Crowell State Bank 88.0 Crowell TX 249 First National Bank of Central Texas 87.8 Waco TX 258 Bank and Trust, SSB 87.4 Del Rio TX **Sub S Bank List** 12

13 Sorted by State State Rank Bank 262 Commercial National Bank of Texarkana 87.2 Texarkana TX 270 Texas Bank Financial 86.8 Weatherford TX 280 First National Bank of Burleson 86.3 Burleson TX 282 TexasBank 86.2 Brownwood TX 282 Preston National Bank 86.2 Dallas TX 297 Bank of Commerce 85.5 McLean TX 303 First State Bank 85.2 Stratford TX 305 Farmers State Bank 85.1 Groesbeck TX Utah 276 Utah Independent Bank 86.5 Salina UT Wisconsin 28 Bank of Mauston 98.6 Mauston WI 69 Charter Bank 96.6 Eau Claire WI 110 WoodTrust Bank 94.6 Wisconsin Rapids WI 112 Sterling Bank 94.5 Barron WI 254 Bank of Milton 87.6 Milton WI 264 Farmers and Merchants Bank of Kendall 87.1 Kendall WI 274 BLC Community Bank 86.6 Little Chute WI Wyoming 63 Wyoming Bank & Trust 96.9 Cheyenne WY 229 Bank of Star Valley 88.8 Afton WY 231 Pinnacle Bank - Wyoming 88.7 Torrington WY 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** 13