| | | | 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 |
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Read More: Revenue drivers: The top 200 publicly traded community banks