Revenue drivers: The top 200 publicly traded community banks

Total Assets ROAA 3-Year Avg ROAE ROAE Net Interest Margin (FTE) Efficiency Ratio (FTE) Total Noninterest Income Net Income Assets Total Deposits Growth Rank Institution Name/Ticker City State 12/31/20 2020 2018-2020 2020 2020 2020 2020 2020 12/31/20 12/31/20 2019-2020 1 Oregon Bancorp (ORBN) Salem OR 395,889 8.57 41.66 60.20 3.81 61.91 89,723 28,292 26.97 10.01 82.42 2 University Bancorp (UNIB) Ann Arbor MI 551,451 7.88 28.34 65.36 2.60 67.73 126,821 30,841 72.81 95.55 100.34 3 MetroCity Bankshares (MCBS0 Doraville GA 1,897,489 2.17 22.73 16.02 4.18 43.93 27,112 36,394 2.11 32.00 (7.57) 4 Thomasville Bancshares (THVB) Thomasville GA 1,226,592 1.75 20.64 19.41 3.56 45.89 15,015 19,421 42.26 4.35 11.78 5 Allied First Bancorp (AFBA) Oswego IL 146,364 4.47 19.93 37.37 3.04 92.00 102,889 5,762 12.69 36.67 63.48 6 CF Bankshares (CFBK) Worthington OH 1,476,995 2.59 19.91 32.04 2.54 46.24 59,993 29,608 26.41 21.11 162.72 7 Bank7 Corp. (BSVN) Oklahoma City OK 1,016,669 2.03 19.75 18.82 5.01 35.61 1,665 19,266 70.36 27.23 12.24 8 Plumas Bancorp (PLBC) Reno NV 1,111,576 1.43 19.68 15.54 4.02 50.46 8,245 14,475 23.23 53.07 2.34 9 BNCCORP (BNCC) Bismarck ND 1,074,131 4.21 19.24 37.09 3.24 47.64 84,826 44,614 3.90 28.05 99.05 10 Mission Bancorp (MSBC) Bakersfield CA 1,279,888 1.45 18.80 16.93 3.86 48.97 6,029 15,688 36.49 11.64 15.62 11 First Savings Financial Group (FSFG) Jeffersonville IN 1,872,911 2.58 18.78 28.85 3.50 68.75 160,879 40,803 9.87 28.10 116.49 12 Communities First Financial Corp. (CFST) Fresno CA 871,347 1.60 18.59 19.29 3.92 44.93 7,074 11,512 12.76 25.04 31.96 13 FFD Financial Corporation (FFDF) Dover OH 552,155 1.68 17.33 19.28 3.47 46.46 3,843 8,500 6.21 23.42 18.44 14 United Bancorporation of Alabama (UBAB) Atmore AL 993,907 1.44 17.21 13.36 3.53 71.43 8,332 12,169 20.23 56.20 3.83 15 Greene County Bancorp MHC (GCBC) Catskill NY 1,864,929 1.18 16.25 15.38 3.10 49.04 8,540 19,821 25.91 2.36 13.62 16 Morris State Bancshares (MBLU) Dublin GA 1,249,416 1.57 16.16 14.56 4.53 52.94 4,160 17,408 17.74 5.28 23.98 17 SouthPoint Bancshares (SOUB) Birmingham AL 566,518 1.48 15.96 17.86 3.82 64.53 15,170 7,389 9.62 4.39 61.53 18 Cornerstone Bancorp (CNBP) Palatine IL 891,183 1.10 15.81 19.60 3.55 65.92 10,222 8,374 34.34 38.47 42.16 19 Truxton Corporation (TRUX) Nashville TN 741,618 1.74 15.79 16.06 3.00 52.24 12,199 11,149 24.09 0.12 13.05 20 Unity Bancorp (UNTY) Clinton NJ 1,958,914 1.35 15.72 14.20 3.85 50.79 12,853 23,644 1.67 29.51 17.12 21 FS Bancorp (FXLG) Lagrange IN 993,506 1.59 15.64 16.19 3.62 53.52 5,972 14,314 14.21 9.62 7.15 22 Minster Financial (MTFC) Minster OH 637,677 1.30 15.61 15.52 3.06 56.36 6,042 7,545 24.91 31.89 13.36 23 CNB Community Bancorp (CNBB) Hillsdale MI 937,900 1.15 15.31 14.90 3.87 61.74 11,059 10,104 25.46 48.99 (10.69) 24 Capital Bancorp (CBNK) Rockville MD 1,876,593 1.56 15.20 18.00 5.14 68.00 61,041 25,823 34.32 40.87 57.72 25 KS Bancorp (KSBI) Smithfield NC 485,828 0.96 15.10 14.79 3.47 66.46 2,944 4,371 13.50 29.06 16.42 26 Cornerstone Community Bancorp (CRSB) Red Bluff CA 497,361 1.11 14.96 16.74 3.45 47.76 1,148 4,626 14.93 43.14 23.05 27 Union Bankshares (UNB) Morrisville VT 1,093,554 1.33 14.77 16.87 3.54 62.64 15,752 12,805 16.50 24.33 16.73 28 Summit Bank Group (SBKO) Eugene OR 761,136 1.16 14.64 14.43 4.26 52.04 1,709 7,933 NA NA 17.71 29 Santa Cruz County Bank (SCZC) Santa Cruz CA 1,422,872 1.36 14.61 10.98 3.99 46.45 4,213 17,550 24.04 8.40 37.71 30 Redwood Capital Bancorp (RWCB) Eureka CA 498,111 1.00 14.50 13.36 3.63 59.48 3,843 4,405 21.74 7.43 14.85 31 Timberland Bancorp (TSBK) Hoquiam WA 1,588,405 1.69 14.47 13.63 3.68 48.70 17,788 24,907 26.34 5.91 4.71 32 High Country Bancorp (HCBC) Salida CO 365,182 1.44 14.41 13.92 5.03 61.86 5,028 4,774 25.32 55.46 21.65 33 Integrated Financial Holdings (IFHI) Raleigh NC 396,539 2.43 14.37 12.03 4.70 69.35 33,506 8,714 23.98 28.23 55.69 34 LifeStore…