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Micro-Business-Friendly Banks in the State, June 1996
Total Rank Bank Asset Crt.
Rank SSBL/TA SSBL/TBL SSBL$ SSBL# Sz. Class ($) SSBL/TA SSBL/TBL SSBL$
(Millions)		 SSBL# TA(96/95)
(Percent)		 Card
Bank Name Location State <1> <2> <3> <4> <5> <6> <7> <8> <9> <10> <11> <12>
FIRST NB Anchorage AK 34 9 8 8 9 1B-10B 0.063 0.281 88.94 5,056 1.2
CB&T BK OF RUSSELL CTY Phenix City AL 39 10 10 10 9 100M-500M 0.307 1.000 34.99 551 5.9
EXCHANGE BK OF AL Altoona AL 39 10 10 10 9 100M-500M 0.215 1.000 25.59 546 7.2
FIRST NB OF WETUMPKA Wetumpka AL 38 9 10 10 9 100M-500M 0.175 1.000 33.62 773 13.7
WEST AL B&TC Reform AL 38 10 8 10 10 100M-500M 0.242 1.000 43.38 971 12.1
HOME BK Guntersville AL 38 10 8 10 10 100M-500M 0.274 1.000 37.55 793 54.9
COMPASS BK Birmingham AL 38 9 9 10 10 1B-10B 0.179 1.000 1,082.29 26,350 2.8
FIRST CMNTY BK Mount Vernon AL 37 9 10 9 9 100M-500M 0.182 1.000 19.53 654 7.8
BANK OF PRATTVILLE Prattville AL 37 8 10 10 9 100M-500M 0.161 1.000 24.53 527 4.6
COMMUNITY BK Blountsville AL 37 8 9 10 10 100M-500M 0.131 1.000 49.99 1,169 28.6
BANKERS TR OF MADISON Madison AL 37 10 10 9 8 <100M 0.460 1.000 22.29 451 -24.3
UNION BK OF BENTON Benton AR 39 10 10 10 9 100M-500M 0.214 1.000 25.44 728 16.3
FIRST NB Searcy AR 39 9 10 10 10 100M-500M 0.169 1.000 41.89 1,426 5.7
FIRST NB OF SHARP COUNTY Ash Flat AR 38 9 10 10 9 100M-500M 0.155 1.000 22.11 642 14.0
CADDO FIRST NB Glenwood AR 38 10 9 9 10 <100M 0.256 1.000 17.10 801 5.1
FIRST NB OF PHILLIPS COUNTY Helena AR 37 10 9 10 8 100M-500M 0.225 1.000 23.54 485 9.2
FIRST NB OF RUSSELLVILLE Russellville AR 37 9 9 10 9 100M-500M 0.187 1.000 36.89 660 5.8
HORIZON BK Malvern AR 37 10 7 10 10 100M-500M 0.216 1.000 103.89 1,929 253.3
FIRST NB IN MENA Mena AR 37 10 9 9 9 100M-500M 0.208 1.000 21.33 600 7.4
MERCHANTS & PLANTERS BK Newport AR 36 10 8 9 9 <100M 0.195 1.000 15.89 522 14.5
FIRST BK OF ARKANSAS Russellville AR 36 10 6 10 10 100M-500M 0.225 0.651 57.89 895 18.3
FIRST JACKSONVILLE B&TC Jacksonville AR 36 9 10 10 7 100M-500M 0.189 1.000 29.38 386 5.2
FIDELITY NB West Memphis AR 36 10 10 9 7 <100M 0.242 1.000 14.70 430 7.2
COMMUNITY BK OF AZ Wickenburg AZ 34 9 9 8 8 100M-500M 0.118 0.462 12.47 678 23.2
MOHAVE ST BK Lake Havasu City AZ 34 10 9 7 8 <100M 0.134 0.291 8.82 357 39.2
COUNTY BK Prescott AZ 33 9 9 8 7 100M-500M 0.095 0.308 9.61 293 39.8
STOCKMENS BK Kingman AZ 33 9 7 9 8 100M-500M 0.090 0.260 15.94 709 16.4
BANK OF CASA GRANDE VALLEY Casa Grande AZ 33 10 10 8 5 <100M 0.307 1.000 9.35 182 14.4
HANMI BK Los Angeles CA 39 10 9 10 10 100M-500M 0.091 0.219 38.27 939 17.4
WELLS FARGO HSBC TRADE BK NA San Francisco CA 39 10 9 10 10 100M-500M 0.175 0.215 43.95 1,439 NA
BANK OF WALNUT CREEK Walnut Creek CA 38 10 10 10 8 100M-500M 0.119 0.433 17.64 299 7.4
SCRIPPS BK La Jolla CA 38 9 9 10 10 100M-500M 0.087 0.250 22.44 923 26.8
SIX RIVERS NB Eureka CA 38 10 10 9 9 <100M 0.150 0.395 13.84 384 19.4
MARINE NB Irvine CA 37 10 9 9 9 100M-500M 0.094 0.228 10.26 383 3.4
PLUMAS BK Quincy CA 37 9 10 9 9 100M-500M 0.077 0.340 10.54 469 15.3
SAEHAN BK Los Angeles CA 37 10 10 9 8 <100M 0.139 0.294 10.94 351 36.4
BANK OF SAN BERNARDINO San Bernardino CA 36 10 8 9 9 <100M 0.109 0.206 10.66 545 0.3
BANK OF WILLITS Willits CA 36 10 10 9 7 <100M 0.157 1.000 10.76 239 -0.4
NATIONAL BK OF THE REDWOODS Santa Rosa CA 36 9 7 10 10 100M-500M 0.077 0.146 18.58 815 9.0
CLOVIS CMNTY BK Clovis CA 36 9 9 9 9 100M-500M 0.073 0.213 10.23 501 12.1
FIRST MTN BK Big Bear Lake CA 36 10 10 9 7 <100M 0.321 1.000 15.55 244 8.5
INDEPENDENT BK Kersey CO 40 10 10 10 10 <100M 0.248 1.000 20.93 536 43.5
VALLEY BK Brighton CO 40 10 10 10 10 100M-500M 0.310 1.000 33.34 565 15.9
MOUNTAIN NB Woodland Park CO 39 10 9 10 10 <100M 0.298 1.000 20.63 462 19.9
EATON BK Eaton CO 38 9 10 10 9 <100M 0.207 1.000 16.07 367 56.9
BANK OF GRAND JUNCTION Grand Junction CO 38 10 10 9 9 <100M 0.343 1.000 11.47 363 12.3
CHEYENNE MTN BK Colorado Springs CO 38 10 10 10 8 <100M 0.362 1.000 12.19 267 3.9
FIRST CMNTY IND BK Denver CO 38 8 10 10 10 100M-500M 0.141 1.000 24.64 600 9.6
CITIZENS ST BK OF OURAY Ouray CO 37 10 9 9 9 <100M 0.246 1.000 9.90 355 0.8
FARMERS BK Eaton CO 37 10 10 9 8 <100M 0.314 1.000 8.62 253 63.0
BANK SOUTHWEST NA Pagosa Springs CO 37 10 7 10 10 <100M 0.318 1.000 21.75 531 25.4
BANK OF SOUTHINGTON Southington CT 37 10 9 9 9 100M-500M 0.088 0.243 10.64 335 9.4
EQUITY BK Wethersfield CT 34 10 7 8 9 100M-500M 0.087 0.205 10.03 380 0.0
CORNERSTONE BANK Stamford CT 32 9 8 8 7 100M-500M 0.070 0.217 7.78 254 25.6
MARITIME B&TC Essex CT 32 10 10 6 6 <100M 0.088 0.294 5.30 218 16.9
CENTURY NB Washington DC 32 9 8 8 7 <100M 0.074 0.242 7.17 188 8.8
FRANKLIN NB OF WA DC Washington DC 32 8 5 10 9 100M-500M 0.050 0.122 17.52 474 33.1
MBNA AMERICA BK NA Wilmington DE 37 7 10 10 10 >10B 0.006 1.000 68.91 29,004 18.2 **
PNC NB Wilmington DE 36 8 9 9 10 500M-1B 0.021 1.000 18.66 13,501 16.9 **
CITIBANK DE New Castle DE 36 9 7 10 10 1B-10B 0.047 0.621 160.42 17,571 -0.5
CHASE MANHATTAN BK USA Wilmington DE 34 6 10 9 9 >10B 0.001 1.000 20.46 3,191 70.8 **
CAPITAL CITY BK Tallahassee FL 40 10 10 10 10 500M-1B 0.199 1.000 133.68 1,869 6.2
FIRST NB OF SOUTHWEST FL Cape Coral FL 40 10 10 10 10 100M-500M 0.435 1.000 64.09 1,497 7.1
FIRST NB&TC Fort Walton Beach FL 39 10 10 10 9 100M-500M 0.197 1.000 40.65 614 -0.2
TRANSATLANTIC BK Coral Gables FL 38 10 10 10 8 100M-500M 0.337 1.000 45.36 401 29.9
FIRST CMNTY BK Orange City FL 38 10 10 9 9 <100M 0.316 1.000 20.83 464 17.9
FIRST NB OF WAUCHULA Wauchula FL 37 10 9 9 9 <100M 0.248 1.000 16.46 481 9.9
AMERICAN B&TC Pensacola FL 37 10 10 9 8 <100M 0.316 1.000 18.30 434 -9.2
FARMERS & MRCH BK Monticello FL 37 10 9 10 8 <100M 0.257 1.000 24.73 411 9.5
FIDELITY BK OF FL Merritt Island FL 37 10 10 9 8 <100M 0.302 1.000 17.34 319 -3.0
DESTIN BK Destin FL 36 10 10 9 7 <100M 0.259 1.000 15.05 288 25.9
C&L BK OF BLOUNTSTOWN Blountstown FL 36 10 9 9 8 <100M 0.292 1.000 14.74 410 20.7
CENTRAL BK Miami FL 36 10 10 10 6 <100M 0.290 1.000 23.09 214 4.2
DRUMMOND CMNTY BK Chiefland FL 36 10 9 9 8 <100M 0.229 1.000 13.24 327 4.4
FIRST ST BK Stockbridge GA 40 10 10 10 10 100M-500M 0.235 1.000 54.51 1,017 18.5
ALLIED BK OF GA Thomson GA 39 9 10 10 10 100M-500M 0.179 1.000 81.99 2,500 1.4
BANK OF TOCCOA Toccoa GA 39 10 9 10 10 <100M 0.263 1.000 25.25 710 10.1
BANK OF COVINGTON Covington GA 39 10 10 10 9 100M-500M 0.259 1.000 52.37 658 3.8
FARMERS & MRCH BK Dublin GA 38 10 8 10 10 100M-500M 0.264 1.000 60.77 1,134 11.8
COASTAL BK Hinesville GA 38 10 8 10 10 <100M 0.385 1.000 29.75 822 0.8
COMMUNITY TR BK Hiram GA 38 10 10 10 8 <100M 0.294 1.000 22.50 440 19.4
FIRST NB OF ALMA Alma GA 37 10 7 10 10 100M-500M 0.347 1.000 35.92 1,771 12.8
FIRST CMNTY BK OF TIFTON Tifton GA 37 10 9 10 8 100M-500M 0.335 1.000 37.54 471 3.7
CORDELE BKG CO Cordele GA 37 10 7 10 10 <100M 0.253 1.000 24.91 769 15.5
PEOPLES BK Winder GA 37 8 10 9 10 100M-500M 0.143 1.000 18.94 910 2.6
FARMERS & MRCH BK Washington GA 37 8 10 10 9 100M-500M 0.162 1.000 23.13 567 4.8
CITY BK Honolulu HI 32 9 7 8 8 500M-1B 0.056 0.164 42.89 1,035 -5.4
CITIZENS BK Corydon IA 40 10 10 10 10 <100M 0.212 1.000 12.20 517 0.2
WASHINGTON ST BK Washington IA 38 8 10 10 10 100M-500M 0.103 1.000 11.22 473 0.9
FARMERS SVG BK Kalona IA 38 10 10 9 9 <100M 0.153 1.000 8.15 398 3.1
PEOPLES B&T Rock Valley IA 38 10 9 10 9 <100M 0.206 1.000 12.46 300 8.9
PERRY ST BK Perry IA 37 10 10 10 7 <100M 0.152 1.000 11.32 191 1.8
PILOT GROVE SVG BK Pilot Grove IA 37 9 8 10 10 <100M 0.124 1.000 12.24 512 4.7
LEE CTY B&T NA Fort Madison IA 37 10 8 10 9 <100M 0.161 1.000 13.79 302 7.1
HARDIN CTY SVG BK Eldora IA 37 10 7 10 10 100M-500M 0.165 1.000 17.89 545 7.5
BLUE GRASS SVG BK Blue Grass IA 37 9 10 9 9 <100M 0.114 1.000 9.23 301 8.8
SOLON ST BK Solon IA 36 10 10 9 7 <100M 0.224 1.000 7.32 183 0.3
FIRST CITIZENS NB Mason City IA 36 10 6 10 10 100M-500M 0.150 1.000 66.88 1,179 12.1
HOUGHTON ST BK Red Oak IA 36 10 8 10 8 <100M 0.194 1.000 15.24 211 6.1
SHELBY COUNTY ST BK Harlan IA 36 7 9 10 10 100M-500M 0.080 1.000 14.00 502 7.1
LINCOLN SVG BK Reinbeck IA 36 9 7 10 10 100M-500M 0.111 1.000 13.02 418 16.9 D >
DE WITT B&TC De Witt IA 36 10 6 10 10 <100M 0.198 1.000 17.28 530 11.4
LE MARS B&TC Le Mars IA 36 9 9 10 8 100M-500M 0.138 1.000 14.64 262 -1.4
SECURITY SVG BK Eagle Grove IA 36 9 10 9 8 <100M 0.138 1.000 8.03 234 -3.0
MAQUOKETA ST BK Maquoketa IA 36 9 7 10 10 100M-500M 0.113 1.000 16.66 407 5.8
KEOKUK SVG B&TC Keokuk IA 36 10 8 10 8 <100M 0.166 1.000 14.20 262 10.5
CENTRAL ST BK Muscatine IA 36 9 8 10 9 100M-500M 0.112 1.000 26.16 270 1.2
CLEAR LAKE B&TC Clear Lake IA 36 10 6 10 10 100M-500M 0.229 1.000 27.06 573 1.8
IOWA ST BK Sheldon IA 36 10 9 9 8 <100M 0.201 1.000 7.11 241 11.8
FARMERS NB OF BUHL Buhl ID 37 9 10 9 9 100M-500M 0.202 1.000 28.00 866 9.9
PANHANDLE ST BK Sandpoint ID 33 10 8 8 7 <100M 0.287 1.000 25.00 600 21.7
D L EVANS BK Burley ID 32 9 9 7 7 100M-500M 0.179 1.000 21.69 581 17.6
IRELAND BK Malad City ID 29 8 9 7 5 <100M 0.173 1.000 13.19 331 9.2
BANK OF EASTERN ID Idaho Falls ID 24 7 7 5 5 <100M 0.139 0.424 7.52 338 9.7
KEY BK OF ID Boise ID 23 3 2 9 9 1B-10B 0.061 0.221 83.54 2,883 2.1
WEST ONE BK ID Boise ID 23 2 1 10 10 1B-10B 0.043 0.169 173.65 7,934 -10.7
BANK OF CMRC Idaho Falls ID 21 2 5 6 8 100M-500M 0.044 0.363 11.57 658 11.6
FARMERS & MRCH ST BK Meridian ID 19 5 4 4 6 <100M 0.119 0.265 6.72 349 21.7
IDAHO INDEPENDENT BK Coeur D'Alene ID 18 6 6 3 3 <100M 0.128 0.383 5.65 220 17.9
BANK OF EDWARDSVILLE Edwardsville IL 40 10 10 10 10 100M-500M 0.288 1.000 139.59 2,157 10.7
MID CITY NB OF CHICAGO Chicago IL 40 10 10 10 10 500M-1B 0.265 1.000 195.07 2,347 0.1
BANK OF ALTON Alton IL 40 10 10 10 10 100M-500M 0.190 1.000 34.26 802 16.0
BLACKHAWK ST BK Milan IL 40 10 10 10 10 100M-500M 0.163 1.000 31.43 527 12.7
PALMER-AMERICAN NB DANVILLE Danville IL 39 10 9 10 10 100M-500M 0.198 1.000 58.50 864 -5.9
FIRST NB OF WHEATON Wheaton IL 39 10 10 10 9 <100M 0.449 1.000 21.51 429 31.5
UNITED CMNTY BK Chatham IL 39 9 10 10 10 100M-500M 0.130 1.000 25.39 730 -4.9
FIRST NB OF ANTIOCH Antioch IL 39 10 10 10 9 <100M 0.303 1.000 28.08 407 1.4
PEOPLES NB OF KEWANEE Kewanee IL 39 9 10 10 10 100M-500M 0.111 1.000 14.59 581 5.9
HERITAGE BK CENTRAL IL Trivoli IL 38 10 10 9 9 <100M 0.206 1.000 13.22 341 5.1
SECURITY B&TC Mount Carmel IL 38 10 9 10 9 100M-500M 0.237 1.000 27.88 355 4.5
PEOPLES ST BK MANSFIELD Mansfield IL 38 10 9 10 9 <100M 0.200 1.000 14.61 418 1.7
BANK BOURBONNAIS Bourbonnais IL 38 10 10 10 8 <100M 0.579 1.000 16.27 228 6.3
FIRST NB OF WILMINGTON Wilmington IL 38 9 10 9 10 <100M 0.125 1.000 12.31 645 3.9
BARTONVILLE BK Bartonville IL 38 10 10 9 9 <100M 0.151 1.000 8.57 325 7.9
FARMERS ST BK Pittsfield IL 38 10 9 10 9 <100M 0.160 1.000 14.23 349 1.6
BANK & TC Litchfield IL 38 10 8 10 10 <100M 0.148 1.000 14.49 541 20.7
FIRST BK OF EUREKA Eureka IL 38 10 10 9 9 <100M 0.236 1.000 12.48 353 3.2
NATIONAL BK OF PETERSBURG Petersburg IL 38 9 10 9 10 <100M 0.142 1.000 14.19 572 5.2
STATE BK GENEVA Geneva IL 38 10 10 10 8 <100M 0.301 1.000 24.63 312 4.8
PEOPLES L&TB Winchester IN 38 10 9 10 9 100M-500M 0.221 1.000 32.15 667 25.0
FIRST NB OF WARSAW Warsaw IN 37 10 8 10 9 100M-500M 0.172 1.000 59.27 834 6.5
CENTIER BK Whiting IN 37 10 7 10 10 500M-1B 0.162 0.868 101.65 1,341 14.8
STATE BK MARKLE Markle IN 36 10 10 8 8 <100M 0.136 1.000 12.32 517 3.4
FIRST CMNTY B&T Bargersville IN 36 10 10 9 7 <100M 0.233 1.000 16.66 383 8.2
SCOTT COUNTY ST BK Scottsburg IN 36 10 10 9 7 <100M 0.203 1.000 17.39 399 2.7
CITIZENS ST BK NEW CASTLE New Castle IN 35 9 8 9 9 100M-500M 0.130 1.000 23.96 787 8.0
FIRST-CITIZENS B&TC Greencastle IN 34 9 9 9 7 100M-500M 0.133 1.000 21.59 426 49.4
ORANGE COUNTY BK Paoli IN 34 10 9 8 7 <100M 0.157 1.000 12.59 323 3.8
RIPLEY CTY BK Osgood IN 33 9 9 7 8 <100M 0.117 1.000 11.49 508 5.3
STAR FNCL BK NEW CASTLE New Castle IN 33 9 6 9 9 100M-500M 0.123 0.481 17.52 786 1.9
PEOPLES TC Linton IN 33 10 8 9 6 100M-500M 0.166 1.000 20.35 296 12.0
FARMERS ST BK Mentone IN 33 10 8 8 7 <100M 0.279 1.000 15.71 317 0.0
MIAMI CTY NB OF PAOLA Paola KS 40 10 10 10 10 100M-500M 0.158 1.000 22.70 565 4.3
PEOPLES ST BK Topeka KS 40 10 10 10 10 <100M 0.198 1.000 18.67 411 5.4
KAW VALLEY ST B&TC Topeka KS 40 10 10 10 10 100M-500M 0.282 1.000 53.91 1,177 3.0
SHAWNEE ST BK Shawnee KS 40 10 10 10 10 100M-500M 0.201 1.000 40.70 948 3.4
FIRST NB&TC Osawatomie KS 39 10 10 10 9 <100M 0.160 1.000 10.97 291 6.2
FIRST NB OF CONWAY SPRINGS Conway Springs KS 39 10 10 10 9 <100M 0.253 1.000 9.81 275 80.8
COMMERCIAL ST BK OF BONNER S Bonner Springs KS 38 9 10 10 9 <100M 0.147 1.000 10.08 285 2.7
FIRST NB OF WAWEGO Wamego KS 38 10 9 10 9 <100M 0.280 1.000 14.91 309 13.6
LEAVENWORTH NB&TC Leavenworth KS 37 9 10 10 8 <100M 0.144 1.000 10.14 228 3.1
FIRST NB&TC Phillipsburg KS 37 9 8 10 10 100M-500M 0.126 1.000 14.00 401 4.7
UNITED NB Natoma KS 37 10 8 9 10 <100M 0.153 1.000 6.65 346 9.9
GARDNER NB Gardner KS 37 10 10 9 8 <100M 0.237 1.000 6.16 207 26.3
CITIZENS NB IN INDEPENDENCE Independence KS 37 10 8 10 9 <100M 0.154 1.000 13.72 319 2.6
FIRST & FARMERS BK OF SOMERS Somerset KY 39 10 9 10 10 100M-500M 0.254 1.000 64.93 1,853 4.1
BANK OF MOUNT VERNON Mount Vernon KY 39 10 9 10 10 <100M 0.420 1.000 30.67 1,294 21.6
PEOPLES B&TC OF HAZARD Hazard KY 39 10 9 10 10 100M-500M 0.271 1.000 42.69 1,072 7.3
FARMERS B&TC Georgetown KY 38 10 10 10 8 100M-500M 0.237 1.000 26.92 383 4.2
CITIZENS GUARANTY BK Richmond KY 38 10 10 9 9 <100M 0.275 1.000 16.93 562 11.4
BANK OF ASHLAND Ashland KY 37 9 10 10 8 100M-500M 0.155 1.000 23.76 411 4.6
PENNYRILE CITIZENS B&TC Hopkinsville KY 37 10 10 9 8 <100M 0.243 1.000 16.22 394 10.5
FARMERS B&TC Bardstown KY 37 9 8 10 10 100M-500M 0.148 1.000 22.09 700 6.3
FIRST NB RUSSELL SPRGS Russell Springs KY 36 10 9 9 8 <100M 0.229 1.000 16.04 383 4.4
KENTUCKY BK Paris KY 36 7 10 10 9 100M-500M 0.099 1.000 21.80 481 16.3
SOUTH CENTRAL BK Glasgow KY 36 10 6 10 10 100M-500M 0.275 1.000 28.13 811 14.2
FIRST SOUTHERN NB LINCOLN CT Hustonville KY 36 10 8 10 8 <100M 0.360 1.000 29.67 374 14.6
FIRST NB OF MANCHESTER Manchester KY 36 10 7 10 9 100M-500M 0.225 1.000 23.87 525 3.8
MIDSOUTH NB Lafayette LA 39 10 10 10 9 100M-500M 0.204 1.000 34.47 855 49.6
FIRST NB OF DENHAM SPRINGS Denham Springs LA 38 10 9 10 9 100M-500M 0.240 1.000 33.14 762 9.2
FIRST GUARANTY BK Hammond LA 38 10 8 10 10 100M-500M 0.360 1.000 68.62 1,019 5.9
SOUTH LA BK Houma LA 38 10 9 10 9 100M-500M 0.317 1.000 33.37 670 12.9
EVANGELINE B&TC Ville Platte LA 37 10 7 10 10 100M-500M 0.213 1.000 52.78 1,068 10.2
AMERICAN SECURITY BK VILL PL Ville Platte LA 36 9 7 10