Bank Director's RankingBanking Study Ranks Top-Performing U.S. Banks
Bank Director's RankingBanking Study Ranks Top-Performing U.S. Banks
RankingBanking uses four metrics to gauge the performance of public commercial and savings banks. The metrics are core return on average assets and core return on average equity, tangible common equity to tangible assets, and nonperforming assets to loans and other real estate owned. Each bank is ranked on each metric, and the sum of the rankings produces a final score.Annual study ranks the 300 largest public banks.
年度调查排名前300家上市银行。
NASHVILLE, Tenn., Aug. 27, 2024 /PRNewswire/ -- Bank Director, the leading information resource for directors and officers of financial institutions nationwide, released its 2024 RankingBanking study, sponsored by Crowe LLP. Each year, Bank Director's RankingBanking study examines the performance of the 300 largest publicly traded banks. This year, many of the top performers were community banks, proving that the community bank model is far from dead. In this study, find out why some banks fill the top ranks year over year while others tend to fall short.
美国田纳西州，2024年8月27日/美通社/——银行董事(Bank Director)是美国金融机构董事和高管的主要信息资源，他们发布了由Crowe LLP赞助的2024年银行排名(RankingBanking)研究报告。每年，银行董事的银行排名研究报告都会对300家最大的公开交易银行的业绩进行评估。今年，许多表现最佳的银行都是社区银行，证明社区银行模式远未死亡。在这项研究中，您可以了解到为什么一些银行持续多年排名靠前，而其他银行却常常排名靠后。
Emily McCormick, Bank Director's Vice President of Editorial & Research, analyzed why smaller banks tend to dominate the top 25 ranking. When discussing this recurring trend with Kara Baldwin, a partner who leads the financial services audit group at Crowe LLP, Kara shared that some of that performance has to do with a loyal customer base. "When something goes wrong, you can have a discussion with someone who actually knows you personally," she says. "You're not getting sent to a call center far off. And for a lot of these commercial deposits, that's what they want."
银行董事的副总裁兼编辑调查负责人埃米莉·麦科密克(Emily McCormick)分析了为什么规模较小的银行往往在前25名排名中占据主导地位。当与Crowe LLP金融服务审计团队负责人卡拉·鲍德温(Kara Baldwin)讨论这一持续的趋势时，卡拉表示，部分业绩归功于忠诚的客户基础。“当出现问题时，您可以与一个真正了解您的人进行讨论，”她说。“您不会被转移到一个遥远的呼叫中心。而对于许多商业存款来说，这正是他们想要的。”
RankingBanking uses four metrics to gauge the performance of public commercial and savings banks. The metrics are core return on average assets and core return on average equity, tangible common equity to tangible assets, and nonperforming assets to loans and other real estate owned. Each bank is ranked on each metric, and the sum of the rankings produces a final score.
银行排名使用四个指标评估公共商业和储蓄银行的业绩。这些指标包括核心平均资产回报率和核心平均股本回报率、有形普通股权占有形资产的比例，以及不良资产占贷款和其他房地产的比例。每家银行在每个指标上都会得到一个排名，所有排名的总和产生一个最终得分。
Below are the 25 Top-Ranked Banks Overall:
以下是排名前25家银行：
- Westamerica Bancorp. (WABC), San Rafael, CA
- Farmers & Merchants Bancorp (FMCB), Lodi, CA
- Macatawa Bank Corp. (MCBC), Holland, MI
- Mercantile Bank Corp. (MBWM), Wyoming, MI
- East West Bancorp (EWBC), Pasadena, CA
- Commerce Bancshares (CBSH), Kansas City, MO
- Cashmere Valley Bank (CSHX), Cashmere, WA
- City Holding Co. (CHCO), Charleston, WV
- The Bancorp (TBBK), Wilmington, DE
- Private Bancorp of America (PBAM), La Jolla, CA
- ACNB Corp. (ACNB), Gettysburg, PA
- Lakeland Financial Corp. (LKFN), Warsaw, IN
- Central Bancompany (CBCY.B), Jefferson City, MO
- River City Bank (RCBC), Sacramento, CA
- Community Trust Bancorp. (CTBI), Louisville, KY
- Bank OZK (OZK), Little Rock, AR
- ServisFirst Bancshares (SFBS), Birmingham, AL
- Five Star Bancorp (FSBC), Roseville, CA
- Southern States Bancshares (SSBK), Anniston, AL
- MainStreet Bancshares (MNSB), Fairfax, VA
- HBT Financial (HBT), Bloomington, IL
- Parke Bancorp (PKBK), Sewell, NJ
- Great Southern Bancorp (GSBC), Springfield, MO
- 1st Source Corp. (SRCE), South Bend, IN
- International Bancshares Corp. (IBOC), Laredo, TX
- 西美银行(WABC)，加利福尼亚州圣拉斐尔
- 农民与商人银行(FMCB)，加利福尼亚州洛迪
- Macatawa银行集团(MCBC)，密歇根州荷兰
- Mercantile Bank Corp.（MBWM），密歇根州，Wyoming
- East West Bancorp（EWBC），加州，帕萨迪纳
- Commerce Bancshares（CBSH），密苏里州，堪萨斯城
- Cashmere Valley Bank（CSHX），华盛顿州，Cashmere
- City Holding Co.（CHCO），西弗吉尼亚州，Charleston
- The Bancorp（TBBK），特拉华州，威尔明顿
- Private Bancorp of America（PBAM），加州，拉荷亚
- ACNb Corp.（ACNB），宾夕法尼亚州，盖兹堡
- 卡岭金融公司（LKFN），印第安纳州华沙
- 中央银行公司（CBCY.B），密苏里州杰斐逊城
- 河城银行（RCBC），加利福尼亚州萨克拉门托
- 大众信托合众银行（CTBI），肯塔基州路易斯维尔
- 欧扎克银行（OZK），阿肯色州小石城
- servisfirst bancshares（SFBS），阿拉巴马州伯明翰
- Five Star Bancorp（FSBC），加利福尼亚州罗斯维尔
- South States Bancorp（SSBK），阿拉巴马州安尼斯顿
- MainStreet Bancshares (MNSB)，弗吉尼亚州费尔法克斯
- HBt Financial (HBT)，伊利诺伊州布卢明顿
- Parke Bancorp (PKBK)，新泽西州苏伊尔
- Great Southern Bancorp (GSBC)，密苏里州斯普林菲尔德
- 1st Source Corp. (SRCE)，印第安纳州南本德
- International Bancshares Corp. (IBOC)，德克萨斯州拉雷多
To access the full list of top performing U.S. publicly traded banks, along with the top banks broken out by asset size, click here.
点击这里，可访问完整的美国上市银行中表现优异的银行列表，以及按资产规模划分的前几名银行。
"Our deep dive into the inner workings of top performing banks such as Bank OZK and Five Star Bancorp show some unique strategies,'' says Naomi Snyder, editor-in-chief for Bank Director. "But overall, the banks that did better tended to be small banks that dominated their markets and niches, with low-cost deposits and strong balance sheet management."
“我们对Bank OZk和Five Star Bancorp等表现优异的银行的内部运作进行了深入研究，发现了一些独特的战略，”银行业总监的主编Naomi Snyder称。“但总体而言，表现更好的银行往往是占据市场和利基的小型银行，拥有低成本存款和强大的资产负债表管理。”
Takeaways from RankingBanking:
RankingBanking的要点是：
- Conservative banks with low cost deposits such as Farmers & Merchants dominate the top performers.
- Asset quality declined a bit for the top performing banks but remained generally pristine.
- The top 25 banks had a median ROAA for 2023 of 1.54% and ROAE of 16.71%, in contrast to 1.03% and 10.53%, respectively, for the 300 largest public banks.
- East West Bancorp was the only bank above $50 billion in assets that made it to the top 25 overall list.
- Banks with strong balance sheets, low cost deposits and highly profitable business lines did better than others.
- 农民商人等拥有低成本存款的保守银行在表现最好的银行中占主导地位。
- 表现最好的银行的资产质量有所下降，但总体上保持良好。
- 前25家银行在2023年的ROAA中位数为1.54％，ROAE为16.71％，相比之下，300家最大的公共银行的ROAA分别为1.03％和10.53％。
- 东西银行是资产超过500亿美元的唯一进入前25名的银行。
- 资产负债表强劲，低成本存款和利润丰厚的业务线的银行做得比其他银行要好。
To review the full results of Bank Director's RankingBanking study, along with previous RankingBanking reports, please visit BankDirector.com.
要查看Bank Director的RankingBanking研究的完整结果以及之前的RankingBanking报告，请访问BankDirector.com。
About Bank Director
Bank Director reaches the leaders of the institutions that comprise America's banking industry. Since 1991, Bank Director has provided board-level research, peer insights and in-depth executive and board services. Built for banks, Bank Director extends into and beyond the boardroom by providing timely and relevant information through Bank Director magazine, board training services and the financial industry's premier event, Acquire or Be Acquired. For more information, please visit .
关于Bank Director
Bank Director联系了美国银行业的机构领导者。自1991年以来，Bank Director提供董事会级别的研究、同行见解以及深入的高管和董事服务。专为银行打造，Bank Director通过提供及时和相关的信息，延伸至董事会以及董事会之外，包括Bank Director杂志、董事培训服务和金融行业的主要活动“收购或被收购”。欲了解更多信息，请访问。
About Crowe LLP
Crowe LLP is a public accounting, consulting and technology firm with offices around the world. Crowe uses its deep industry expertise to provide audit services to public and private entities. The firm and its subsidiaries also help clients make smart decisions that lead to lasting value with its tax, advisory and consulting services. Crowe is recognized by many organizations as one of the best places to work in the U.S. As an independent member of Crowe Global, one of the largest global accounting networks in the world, Crowe serves clients worldwide. The network consists of more than 200 independent accounting and advisory services firms in more than 130 countries around the world. For more information about Crowe financial industry services .
关于Crowe LLP
Crowe LLP是一家遍布世界各地的上市会计、咨询和科技公司。Crowe凭借其深厚的行业专业知识为上市和私人实体提供审计服务。该公司及其子公司还通过税务、咨询和咨询服务帮助客户做出具有持久价值的明智决策。Crowe被许多组织认为是美国最佳工作场所之一。作为Crowe Global的独立成员，Crowe是全球最大的会计网络之一，为客户提供全球服务。该网络由全球130多个国家的200多家独立会计和咨询服务公司组成。有关Crowe金融行业服务的更多信息。
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For more information, please contact Bank Director's Director of Marketing, Deahna Welcher at [email protected].
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欲了解更多信息，请联系Bank Director的营销总监Deahna Welcher，邮箱：[email protected]。
SOURCE Bank Director
来源：Bank Director
