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.
年度調查排名前300家上市銀行。
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.
美國田納西州，2024年8月27日/美通社/——銀行董事(Bank Director)是美國金融機構董事和高管的主要信息資源，他們發佈了由Crowe LLP贊助的2024年銀行排名(RankingBanking)研究報告。每年，銀行董事的銀行排名研究報告都會對300家最大的公開交易銀行的業績進行評估。今年，許多表現最佳的銀行都是社區銀行，證明社區銀行模式遠未死亡。在這項研究中，您可以了解到爲什麼一些銀行持續多年排名靠前，而其他銀行卻常常排名靠後。
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."
銀行董事的副總裁兼編輯調查負責人埃米莉·麥科密克(Emily McCormick)分析了爲什麼規模較小的銀行往往在前25名排名中佔據主導地位。當與Crowe LLP金融服務審計團隊負責人卡拉·鮑德溫(Kara Baldwin)討論這一持續的趨勢時，卡拉表示，部分業績歸功於忠誠的客戶基礎。「當出現問題時，您可以與一個真正了解您的人進行討論，」她說。「您不會被轉移到一個遙遠的呼叫中心。而對於許多商業存款來說，這正是他們想要的。」
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.
銀行排名使用四個指標評估公共商業和儲蓄銀行的業績。這些指標包括核心平均資產回報率和核心平均股本回報率、有形普通股權佔有形資產的比例，以及不良資產佔貸款和其他房地產的比例。每家銀行在每個指標上都會得到一個排名，所有排名的總和產生一個最終得分。
Below are the 25 Top-Ranked Banks Overall:
以下是排名前25家銀行：
- 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
- 西美銀行(WABC)，加利福尼亞州聖拉斐爾
- 農民與商人銀行(FMCB)，加利福尼亞州洛迪
- Macatawa銀行集團(MCBC)，密歇根州荷蘭
- Mercantile Bank Corp.（MBWM），密歇根州，Wyoming
- East West Bancorp（EWBC），加州，帕薩迪納
- Commerce Bancshares（CBSH），密蘇里州，堪薩斯城
- Cashmere Valley Bank（CSHX），華盛頓州，Cashmere
- City Holding Co.（CHCO），西弗吉尼亞州，Charleston
- The Bancorp（TBBK），特拉華州，威爾明頓
- Private Bancorp of America（PBAM），加州，拉荷亞
- ACNb Corp.（ACNB），賓夕法尼亞州，蓋茲堡
- 卡嶺金融公司（LKFN），印第安納州華沙
- 中央銀行公司（CBCY.B），密蘇里州傑斐遜城
- 河城銀行（RCBC），加利福尼亞州薩克拉門託
- 大衆信託合衆銀行（CTBI），肯塔基州路易斯維爾
- 歐扎克銀行（OZK），阿肯色州小石城
- servisfirst bancshares（SFBS），阿拉巴馬州伯明翰
- Five Star Bancorp（FSBC），加利福尼亞州羅斯維爾
- South States Bancorp（SSBK），阿拉巴馬州安尼斯頓
- MainStreet Bancshares (MNSB)，弗吉尼亞州費爾法克斯
- HBt Financial (HBT)，伊利諾伊州布盧明頓
- Parke Bancorp (PKBK)，新澤西州蘇伊爾
- Great Southern Bancorp (GSBC)，密蘇里州斯普林菲爾德
- 1st Source Corp. (SRCE)，印第安納州南本德
- International Bancshares Corp. (IBOC)，德克薩斯州拉雷多
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.
點擊這裏，可訪問完整的美國上市銀行中表現優異的銀行列表，以及按資產規模劃分的前幾名銀行。
"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."
「我們對Bank OZk和Five Star Bancorp等表現優異的銀行的內部運作進行了深入研究，發現了一些獨特的戰略，」銀行業總監的主編Naomi Snyder稱。「但總體而言，表現更好的銀行往往是佔據市場和利基的小型銀行，擁有低成本存款和強大的資產負債表管理。」
Takeaways from RankingBanking:
RankingBanking的要點是：
- 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.
- 農民商人等擁有低成本存款的保守銀行在表現最好的銀行中占主導地位。
- 表現最好的銀行的資產質量有所下降，但總體上保持良好。
- 前25家銀行在2023年的ROAA中位數爲1.54％，ROAE爲16.71％，相比之下，300家最大的公共銀行的ROAA分別爲1.03％和10.53％。
- 東西銀行是資產超過500億美元的唯一進入前25名的銀行。
- 資產負債表強勁，低成本存款和利潤豐厚的業務線的銀行做得比其他銀行要好。
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研究的完整結果以及之前的RankingBanking報告，請訪問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 .
關於Bank Director
Bank Director聯繫了美國銀行業的機構領導者。自1991年以來，Bank Director提供董事會級別的研究、同行見解以及深入的高管和董事服務。專爲銀行打造，Bank Director通過提供及時和相關的信息，延伸至董事會以及董事會之外，包括Bank Director雜誌、董事培訓服務和金融行業的主要活動「收購或被收購」。欲了解更多信息，請訪問。
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 .
關於Crowe LLP
Crowe LLP是一家遍佈世界各地的上市會計、諮詢和科技公司。Crowe憑藉其深厚的行業專業知識爲上市和私人實體提供審計服務。該公司及其子公司還通過稅務、諮詢和諮詢服務幫助客戶做出具有持久價值的明智決策。Crowe被許多組織認爲是美國最佳工作場所之一。作爲Crowe Global的獨立成員，Crowe是全球最大的會計網絡之一，爲客戶提供全球服務。該網絡由全球130多個國家的200多家獨立會計和諮詢服務公司組成。有關Crowe金融行業服務的更多信息。
Source:
For more information, please contact Bank Director's Director of Marketing, Deahna Welcher at [email protected].
來源：
欲了解更多信息，請聯繫Bank Director的營銷總監Deahna Welcher，郵箱：[email protected]。
SOURCE Bank Director
來源：Bank Director
