Brochure - Ceto and Associates

Brochure
C O N S U LT I N G S E R V I C E S G R O U P
Ceto
and
Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Low interest rates, margin compression, and recent legislation and regulatory actions, among many other challenges, have created a new
environment in which financial institutions will have to revise strategies and practices to increase profitability and to ensure financial
stability for the long-term.
We would like to suggest a prudent, highly cost effective and strategic approach that will enhance the profitability of your organization and
facilitate significant revenue growth and improve your overall performance. This can be accomplished with virtually no customer sensitivity
and without impairment to your organization’s culture or competitive strength in your local markets.
Founded in 1994 by Nicholas Ceto, Jr., Chairman and Chief Executive Officer, Ceto and Associates is a highly respected and nationally
recognized management consulting firm based in Atlanta, Georgia. We have earned the trust and increased the profitability of more than
1,500 financial institutions in all 50 states and Canada.
We specialize in working closely with banks, savings banks and credit unions to develop and deploy solutions that focus on increasing
profitability through initiatives that maximize revenue, reduce expense and improve organizational performance and efficiency. Our highly
experienced consultants bring together a combination of product, industry, operations, and project management expertise with one
objective in mind – to increase our client’s profitability, and enhance the customer experience and shareholder value.
H i gh l ights
Company
Management Consulting Firm
Established in 1994
Based in Atlanta, Georgia
1,500 Clients in all 50 States and Canada
Banks
Savings Banks
Credit Unions
Solutions
Market ViewTM
Clear PointTM
Vendor LinkTM
Object i ves
Maximize Revenue
Reduce Expense
Improve Profitability and Operational Efficiencies
Enhance Customer Experience
Increase Shareholder Value
Be n ef i ts
$1,750 - $3,500 per Million Dollars of Assets
17.50 – 35.00 Basis Points of Assets
Total Assets Low Benefit
High Benefit
$250 Million
$437,500
$875,000
$500 Million
$750 Million
$875,000
$1,312,250
$1,750,000
$2,625,000
$1.0 Billion
$1,750,000
$3,500,000
$2.0 Billion
$3.0 Billion
$4.0 Billion
$3,500,000
$5,250,000
$7,000,000
$7,000,000
$10,500,000
$14,000,000
$5.0 Billion
$8,750,000
$17,500,000
Benefits by Solution
Market View
Vendor Link
14%
57%
29%
Clear Point
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
TM
Distribution of Scope
Benefits of $1,000 - $2,000 per Million Dollars of Assets
Competitive Intelligence
Your Market Competitors (Banks or Credit Unions)
Market Research
Competitor Data & Analysis
Mystery Shopping & Surveys
Rate & Fee Information
Product & Pricing Comparisons
Income Optimization
360+ Areas
Loan Products, Deposit Products & Ancillary Services
Income Generation & Product Profitability
Product Pricing & Design
Product Alignment & Optimization
Relationship Pricing
Waivers, Refunds & Collection Rates
Procedures, Delivery Channels & Transaction Flows
TM
5%
Loan Products
23%
38%
34%
Ancillary Services
Distribution of Scope
Benefits of $500 - $1,000 per Million Dollars of Assets
Business Intelligence
Market Research
Industry Data & Analysis
Financial Performance Metrics
Benchmark & Performance Metrics
Peer Group Data & Comparisons
Performance Enhancement
240+ Benchmark Metrics
150+ Best Practices
Organization-Wide Study
Process & Workflow Analysis
Process Improvement & Reengineering
Channel & Technology Utilization
Staffing Observations & Recommendations
VENDOR L
Courtesy Overdraft Program
Deposit Products
TM
Benefits of $250 - $500 per Million Dollars of Assets
Business Intelligence
Market & Industry Data
Vendor Product & Pricing Information
Benchmark Metrics
Contract & Cost Analysis
Contract Cost Reduction
5 Principal Vendor Contracts
Custom Contract Appraisals
Cost Analysis & Risk Identification
Contract Negotiation
Contract & Vendor Management
Accounting & Finance
Information
6%
Technology
Retail Banking
8%
31%
Deposit &
Loan
Operations
13%
15%
27%
Commercial
Banking
Other Business Units
Distribution of Scope
Core Data Processing
Internet Banking
& Bill Payment
Item Processing
8%
30%
13%
22%
27%
Check Vendor
ATM/Debit Card Processing
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Client List
Ceto
and
Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
&
Smart Solutions that Make Dollars and Sense
C l i e nt Li st
Clients listed utilize one or more of Ceto and Associates’ and/or CetoLogic’s solution(s).
Federal Reserve Bank of Boston - District 1
Berkshire Bank, Pittsfield, MA
Rockland Trust Company, Rockland, MA
Digital Federal Credit Union, Marlborough, MA
United Bank, Rockville, CT
Middlesex Savings Bank, Natick, MA
Liberty Bank, Middletown, CT
Salem Five, Salem, MA
Washington Trust Company, Westerly, RI
East Boston Savings Bank, East Boston, MA
Bangor Savings Bank, Bangor, ME
Cambridge Savings Bank, Cambridge, MA
Service Credit Union, Portsmouth, NH
Farmington Bank, Farmington, CT
HarborOne Bank, Brockton, MA
PeoplesBank, Holyoke, MA
Needham Bank, Needham, MA
Commerce Bank, Worcester, MA
Pawtucket Credit Union, Pawtucket, RI
Bristol County Savings Bank, Taunton, MA
Navigant Credit Union, Smithfield, RI
The First, Damariscotta, ME
UniBank, Whitinsville, MA
Savings Institute Bank & Trust, Willimantic, CT
Easthampton Savings Bank, Easthampton, MA
Northern Bank & Trust Company, Woburn, MA
Country Bank, Ware, MA
Westfield Bank, Westfield, MA
Workers’ Credit Union, Fitchburg, MA
Avidia Bank, Hudson, MA
Florence Savings Bank, Florence, MA
Ion Bank, Naugatuck, CT
BayCoast Bank, Swansea, MA
Greylock Federal Credit Union, Pittsfield, MA
South Shore Bank, South Weymouth, MA
Lowell Five, Lowell, MA
Chelsea Groton Bank, Norwich, CT
Northway Bank, Berlin, NH
Charter Oak Credit Union, Groton, CT
Salisbury Bank, Lakeville, CT
St. Anne’s Credit Union, Fall River, MA
Androscoggin Bank, Lewiston, ME
Village Bank, NEWTON, MA
MountainOne Bank, North Adams, MA
Northfield Savings Bank, Barre, VT
Webster First Federal Credit Union, Webster, MA
The Cooperative Bank of Cape Cod, Hyannis, MA
Dime Bank, Norwich, CT
Meredith Village Savings Bank, Meredith, NH
First Trade Union Bank, Boston, MA
Greenfield Savings Bank, Greenfield, MA
Newburyport Five Cents Savings Bank, Newburyport, MA
St. Mary’s Credit Union, Marlborough, MA
Merrimack County Savings Bank, Concord, NH
Provident Bank, Amesbury, MA
Assets*
7,785,555,000
7,130,469,000
6,519,513,000
5,838,704,000
4,203,344,000
3,962,626,000
3,743,810,000
3,673,030,000
3,231,342,000
3,211,167,000
2,898,472,000
2,742,900,000
2,706,341,000
2,188,373,000
2,035,949,000
1,850,392,000
1,767,770,000
1,746,994,000
1,696,184,000
1,532,530,000
1,505,756,000
1,505,202,000
1,446,500,000
1,422,983,000
1,382,903,000
1,381,598,000
1,360,113,000
1,270,465,000
1,230,862,000
1,151,064,000
1,098,053,000
1,097,584,000
1,073,551,000
1,025,978,000
990,807,000
976,777,000
939,968,000
913,974,000
904,228,000
861,220,000
857,800,000
857,314,000
834,155,000
832,242,000
821,382,000
819,935,000
789,276,000
764,383,000
744,135,000
733,227,000
732,743,000
732,359,000
718,848,000
699,431,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Webster Five, Webster, MA
Liberty Bay Credit Union, Braintree, MA
Bank of Canton, Canton, MA
Fidelity Bank, LEOMINSTER, MA
Guilford Savings Bank, Guilford, CT
Union Bank, Morrisville, VT
MutualOne Bank, Framingham, MA
Passumpsic Savings Bank, St. Johnsbury, VT
Community National Bank, Newport, VT
Rollstone Bank & Trust, Fitchburg, MA
Winchester Savings Bank, Winchester, MA
Freedom Credit Union, Springfield, MA
The Savings Bank, Wakefield, MA
SiS Bank, Sanford, ME
Southbridge Savings Bank, Southbridge, MA
Clinton Savings Bank, Clinton, MA
NorthCountry Federal Credit Union, South Burlington, VT
Polish National Credit Union, Chicopee, MA
Putnam Bank, Putnam, CT
Mutual Bank, Whitman, MA
Ledyard National Bank, Norwich, VT
Crescent Credit Union, Brockton, MA
Woodsville Guaranty Savings Bank, Woodsville, NH
Windsor Federal Savings, Windsor, CT
Biddeford Savings, Biddeford, ME
North Middlesex Savings Bank, Ayer, MA
Northmark Bank, North Andover, MA
National Bank of Middlebury, Middlebury, VT
Milford National Bank & Trust Company, Milford, MA
University Credit Union, Orono, ME
Dutch Point Credit Union, Wethersfield, CT
Scient Federal Credit Union, Groton, CT
Boston Firefighters Credit Union, Boston, MA
360 Federal Credit Union, Windsor Locks, CT
Prudential Bank & Trust, FSB, Hartford, CT
Federal Reserve District of New York -District 2
New York Community Bank, Westbury, NY
Hudson City Savings Bank, Paramus, NJ
Signature Bank, NY, New York City, NY
Investors Savings Bank(MHC), Short Hills, NJ
Valley National Bank, Wayne, NJ
Israel Discount Bank of New York, New York City, NY
Banco Popular North America, Rosemont, IL
Bethpage Federal Credit Union, Bethpage, NY
ESL Federal Credit Union, Rochester, NY
Flushing Bank, New Hyde Park, NY
Teachers Federal Credit Union, Farmingville, NY
Ridgewood Savings Bank, New York City, NY
Dime, Brooklyn, NY
Columbia Bank, Fair Lawn, NJ
United Nations Federal Credit Union, New York City, NY
Hudson Valley Federal Credit Union, Poughkeepsie, NY
ConnectOne Bank, Englewood Cliffs, NJ
Bridgehampton National Bank, Bridgehampton, NY
Five Star Bank, Warsaw, NY
Oritani Bank, Washington Township, NJ
Bank Hapoalim B.M., New York, NY
Spencer Savings Bank, Elmwood Park, NJ
Affinity Federal Credit Union, Basking Ridge, NJ
Municipal Credit Union, New York City, NY
696,513,000
659,495,000
647,770,000
624,213,000
621,620,000
619,214,000
612,254,000
599,360,000
588,386,000
562,572,000
523,970,000
522,864,000
521,819,000
502,251,000
496,299,000
488,805,000
476,928,000
468,866,000
467,462,000
444,384,000
436,604,000
432,784,000
428,905,000
414,104,000
409,056,000
391,933,000
343,709,000
324,850,000
295,556,000
265,468,000
242,259,000
232,252,000
226,214,000
209,163,000
16,040,000
Assets*
44,930,359,000
35,414,798,000
31,920,524,000
20,324,208,000
19,555,724,000
9,866,515,000
7,474,619,000
6,186,882,000
5,542,388,000
5,508,380,000
5,186,293,000
5,114,112,000
4,815,352,000
4,764,542,000
4,297,008,000
4,239,272,000
3,836,436,000
3,507,092,000
3,336,234,000
3,318,314,000
2,678,733,000
2,517,192,000
2,334,804,000
2,215,233,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Canandaigua National Bank and Trust, Canandaigua, NY
Suffolk County National Bank, Riverhead, NY
Union Center National Bank, Union, NJ
Chemung Canal Trust Company, Elmira, NY
Fairfield County Bank, Ridgefield, CT
Boiling Springs Savings Bank, Rutherford, NJ
First County Bank, Stamford, CT
Bank of New Canaan, New Canaan, CT
Newtown Savings Bank, Newtown, CT
Unity Bank, Clinton, NJ
Bank of Utica, Utica, NY
1st Constitution Bank, CRANBURY, NJ
Pioneer Bank, Troy, NY
Community National Bank, Great Neck, NY
Evans Bank, Angola, NY
Savings Bank of Danbury, Danbury, CT
Two River Community Bank, Middletown, NJ
Solvay Bank, Solvay, NY
Oneida Savings Bank, Oneida, NY
Orange County Trust Company, Middletown, NY
Summit Federal Credit Union, Rochester, NY
Ulster Savings Bank, Kingston, NY
Bank of Greene County, Catskill, NY
Adirondack Bank, Utica, NY
Atlantic Stewardship Bank, Midland Park, NJ
Patriot Bank, NA, Stamford, CT
Elmira Savings Bank, Elmira, NY
Magyar Bank, New Brunswick, NJ
First Central Savings Bank, Glen Cove, NY
SeaComm Federal Credit Union, Massena, NY
Lake Shore Savings, Dunkirk, NY
Walden Savings Bank, Montgomery, NY
Jeff Bank, Jeffersonville, NY
1st National Bank of Scotia, Scotia, NY
Ballston Spa National Bank, Ballston Spa, NY
Tioga State Bank, Spencer, NY
Nassau Financial Federal Credit Union, Westbury, NY
Fulton Savings Bank, Fulton, NY
Mariner’s Bank, Edgewater, NJ
Champlain National Bank, Elizabethtown, NY
Metuchen Savings Bank, Metuchen, NJ
Advantage Federal Credit Union, Rochester, NY
Rumson-Fair Haven Bank & Trust Company, Rumson, NJ
Northern Credit Union, Watertown, NY
Putnam County National Bank of Carmel, Carmel, NY
2,206,422,000
2,066,478,000
1,675,429,000
1,630,519,000
1,526,260,000
1,503,610,000
1,433,942,000
1,306,575,000
1,065,665,000
1,052,054,000
1,018,767,000
980,450,000
951,502,000
950,536,000
915,352,000
908,269,000
842,145,000
822,964,000
815,555,000
784,460,000
783,815,000
764,352,000
737,557,000
725,905,000
706,065,000
640,513,000
566,361,000
550,541,000
526,602,000
494,793,000
482,493,000
480,488,000
465,494,000
463,007,000
430,259,000
425,948,000
394,462,000
374,496,000
299,858,000
279,796,000
274,279,000
238,642,000
215,842,000
211,159,000
160,864,000
Federal Reserve Bank of Philadelphia - District 3
Beneficial Bank, Philadelphia, PA
Police & Fire Federal Credit Union, Philadelphia, PA
Members 1st Federal Credit Union, Mechanicsburg, PA
Firstrust Bank, Conshohocken, PA
OceanFirst Bank, Toms River, NJ
CNB Bank, Clearfield, PA
First Savings, Perkasie, PA
TruMark Financial Credit Union, Trevose, PA
Cape Bank, Cape May Court House, NJ
American Heritage Federal Credit Union, Philadelphia, PA
PeoplesBank, York, PA
ACNB Bank, Gettysburg, PA
Fox Chase Bank, Hatboro, PA
First National Community Bank, Dunmore, PA
Assets*
4,732,520,000
4,310,966,000
2,925,371,000
2,628,747,000
2,397,794,000
2,239,105,000
1,840,669,000
1,648,657,000
1,564,514,000
1,551,295,000
1,393,367,000
1,119,606,000
1,101,039,000
1,054,830,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Farmers & Merchants Trust, Chambersburg, PA
QNB, Quakertown, PA
Ocean City Home Bank, Ocean City, NJ
First Keystone Community Bank, Berwick, PA
Jersey Shore State Bank, Jersey Shore, PA
First Citizens Community Bank, Mansfield, PA
Mid Penn Bank, Millersburg, PA
Franklin Mint Federal Credit Union, Broomall, PA
Sturdy Savings Bank, Stone Harbor, NJ
Royal Bank America, Bala Cynwyd, PA
Wayne Bank, Honesdale, PA
Fidelity Deposit and Discount Bank, Dunmore, PA
First Northern Bank & Trust, Palmerton, PA
Kish Bank, Belleville, PA
The Dime Bank, Honesdale, PA
Honesdale National Bank, Honesdale, PA
Newfield National Bank, Newfield, NJ
American Bank of Allentown, Allentown, PA
JBT, Jonestown, PA
1st Colonial Community Bank, Collingswood, NJ
Crest Savings Bank, Wildwood, NJ
Clearfield Bank, Clearfield, PA
Mifflinburg Bank & Trust, Mifflinburg, PA
Mauch Chunk Trust Company, Jim Thorpe, PA
West Milton State Bank, West Milton, PA
Centric Bank, Harrisburg, PA
Luzerne Bank, Luzerne, PA
Landmark Community Bank, Pittston, PA
Service 1st Federal Credit Union, Danville, PA
First National Bank of Elmer, Elmer, NJ
Fleetwood Bank, Fleetwood, PA
First National Bank of Absecon, Absecon, NJ
Federal Reserve Bank of Cleveland - District 4
Third Federal, Cleveland, OH
Community Trust Bank, Pikeville, KY
First Federal Bank, Defiance, OH
NCB, Hillsboro, OH
Central Bank, Lexington, KY
Home Savings, Youngstown, OH
Farmers National Bank, Canfield, OH
First Federal Lakewood, Lakewood, OH
Whitaker Bank, Lexington, KY
LCNB National Bank, Lebanon, OH
Somerset Trust Company, Somerset, PA
Clearview Federal Credit Union, Moon Township, PA
Farmers & Merchants State Bank, Archbold, OH
First Southern National Bank, Stanford, KY
Community Bank, Carmichaels, PA
Marquette Savings Bank, Erie, PA
State Bank, Defiance, OH
Merchants National Bank, Hillsboro, OH
Commercial and Savings Bank, Millersburg, OH
Liberty Savings Bank, Wilmington, OH
The Union Bank Co., Columbus Grove, OH
Cheviot Savings Bank, Cheviot, OH
Farmers National Bank, Emlenton, PA
Telhio Credit Union, Columbus, OH
Delaware County Bank, Lewis Center, OH
Brentwood Bank, Bethel Park, PA
Richwood Bank, Richwood, OH
1,036,880,000
1,032,125,000
1,015,223,000
969,063,000
953,517,000
952,218,000
914,665,000
885,667,000
759,355,000
757,996,000
747,986,000
729,070,000
705,664,000
691,550,000
611,479,000
601,662,000
599,268,000
553,272,000
465,446,000
446,982,000
443,411,000
434,114,000
378,772,000
373,651,000
370,731,000
349,209,000
345,126,000
272,340,000
269,726,000
241,501,000
226,630,000
147,196,000
Assets*
12,227,428,000
3,784,721,000
2,181,186,000
2,060,187,000
1,979,488,000
1,971,594,000
1,692,263,000
1,578,143,000
1,352,074,000
1,273,854,000
990,992,000
961,518,000
938,988,000
832,656,000
823,488,000
808,553,000
718,006,000
663,258,000
632,259,000
617,389,000
614,956,000
580,898,000
580,364,000
547,689,000
542,618,000
536,956,000
467,485,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Sutton Bank, Attica, OH
Peoples Bank & Trust Company of Madison County, Berea, KY
Citizens National Bank, Somerset, KY
Federal Reserve Bank of Richmond - District 5
E*Trade Bank, Arlington, VA
South State Bank, Orangeburg, SC
Union First Market Bank, RICHMOND, VA
EagleBank, Bethesda, MD
Bank of North Carolina, Thomasville, NC
PacWest Bancorp, Durham, NC
Cardinal Bank, Mclean, VA
Northwest Federal Credit Union, Herndon, VA
Tower Federal Credit Union, Laurel, MD
Burke & Herbert Bank, Alexandria, VA
Coastal Federal Credit Union, Raleigh, NC
Park Sterling Bank, Charlotte, NC
CommunityOne Bank, Asheboro, NC
Founders Federal Credit Union, Lancaster, SC
State Department Federal Credit Union, Alexandria, VA
Fidelity Bank, Fuquay-Varina, NC
NASA Federal Credit Union, Upper Marlboro, MD
Washington First Bank, Reston, VA
First Bank & Trust Company, Lebanon, VA
BayPort Credit Union, Newport News, VA
C&F Bank, West Point, VA
CresCom Bank, Myrtle Beach, SC
Middleburg Bank, Middleburg, VA
The Palmetto Bank, Laurens, SC
Essex Bank, Richmond, VA
National Bank, Blacksburg, VA
Community Bank of the Chesapeake, Waldorf, MD
Conway National Bank, Conway, SC
Entegra Bank, FRANKLIN, NC
CertusBank, Charlotte, NC
Valley Bank, Roanoke, VA
First Community Bank, Lexington, SC
High Point Bank, High Point, NC
Asheville Savings Bank, ASHEVILLE, NC
Select Bank & Trust, Dunn, NC
Member One Federal Credit Union, Roanoke, VA
North State Bank, Raleigh, NC
First National Bank of Shelby, Shelby, NC
Four Oaks Bank, Four Oaks, NC
Marine Federal Credit Union, Jacksonville, NC
First Virginia Community Bank, Fairfax, VA
Chesapeake Bank, Kilmarnock, VA
Bank of Clarke County, Berryville, VA
New Peoples Bank, Honaker, VA
Presidential Bank, Bethesda, MD
Virginia National Bank, Charlottesville, VA
Farmers & Merchants Bank, Granite Quarry, NC
Uwharrie Bank, Albemarle, NC
Clear Mountain Bank, Bruceton Mills, WV
Benchmark Community Bank, Kenbridge, VA
Palmetto State Bank, Hampton, SC
Taylor Bank, Berlin, MD
HomeTown Bank, Roanoke, VA
Congressional Bank, Bethesda, MD
TruPoint Bank, Grundy, VA
Bank of Lancaster, Kilmarnock, VA
414,200,000
390,234,000
362,830,000
Assets*
44,263,165,000
8,501,428,000
7,571,682,000
5,863,514,000
5,195,595,000
3,903,887,000
3,842,403,000
2,967,859,000
2,755,247,000
2,675,018,000
2,555,295,000
2,475,382,000
2,348,170,000
1,823,270,000
1,677,927,000
1,676,689,000
1,663,895,000
1,594,722,000
1,428,755,000
1,409,255,000
1,367,738,000
1,328,391,000
1,255,424,000
1,165,004,000
1,148,740,000
1,142,014,000
1,109,180,000
1,062,687,000
983,797,000
877,139,000
853,331,000
849,937,000
796,370,000
795,051,000
785,927,000
748,893,000
741,347,000
716,313,000
713,413,000
712,404,000
682,112,000
661,034,000
634,931,000
633,543,000
567,131,000
548,213,000
546,826,000
525,143,000
513,779,000
508,026,000
500,239,000
483,018,000
472,973,000
465,758,000
429,337,000
422,481,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
First Century Bank, Bluefield, WV
Farmers Bank, Windsor, VA
CoastalStates Bank, Hilton Head Island, SC
First Reliance Bank, Florence, SC
Industrial Bank, Washington, DC
Greer State Bank, Greer, SC
Frederick County Bank, Frederick, MD
Bank of Marion, Marion, VA
First Peoples Community Federal Credit Union, Cumberland, MD
Countybank, Greenwood, SC
Citizens Bank & Trust Company, Blackstone, VA
Community First Bank, Walhalla, SC
Fairmont Federal Credit Union, Fairmont, WV
Piedmont Advantage Credit Union, Winston-Salem, NC
Harford Bank, Aberdeen, MD
CPM Federal Credit Union, Charleston, SC
Harbor Bank of Maryland, Baltimore, MD
Citizens Bank of West Virginia, Elkins, WV
Summit Credit Union of Greensboro, Greensboro, NC
Pioneer Bank of Virginia, Stanley, VA
Citizens Community Bank, South Hill, VA
Federal Reserve Bank of Atlanta - District 6
Iberiabank, Lafayette, LA
United Community Bank, Blairsville, GA
Pinnacle National Bank, Nashville, TN
Suncoast Credit Union, Tampa, FL
Ameris Bank, Moultrie, GA
CenterState Bank, Winter Haven, FL
Redstone Federal Credit Union, Huntsville, AL
Community & Southern Bank, Atlanta, GA
USAmeriBank, Largo, FL
Space Coast Credit Union, Melbourne, FL
Seacoast National Bank, Stuart, FL
Eastman Credit Union, Kingsport, TN
Capital City Bank, Tallahassee, FL
Brand Bank, Lawrenceville, GA
MidSouth Bank, Lafayette, LA
Wilson Bank & Trust, Lebanon, TN
Fairwinds Credit Union, Orlando, FL
Georgia’s Own Credit Union, Atlanta, GA
Hamilton State Bank, Hoschton, GA
HeritageBank of the South, Albany, GA
Ascend Federal Credit Union, Tullahoma, TN
GTE Financial, Tampa, FL
CFE Federal Credit Union, Lake Mary, FL
CNLBank, Orlando, FL
Community First Credit Union, Jacksonville, FL
Bank Independent, Sheffield, AL
Achieva Credit Union, Clearwater, FL
Colony Bank, Fitzgerald, GA
Business First Bank, Baton Rouge, LA
Georgia United Credit Union, Duluth, GA
CharterBank, West Point, GA
The Citizens Bank, Philadelphia, MS
Bank of Tennessee, Kingsport, TN
Citizens National Bank, Sevierville, TN
Y-12 Federal Credit Union, Oak Ridge, TN
First American Bank, Vacherie, LA
Troy Bank & Trust, Troy, AL
AuburnBank, Auburn, AL
409,698,000
404,507,000
400,070,000
385,854,000
372,753,000
370,661,000
357,799,000
356,146,000
355,769,000
349,822,000
347,190,000
339,960,000
310,849,000
307,765,000
306,088,000
274,386,000
240,343,000
222,037,000
181,745,000
174,688,000
174,295,000
Assets*
19,450,477,000
9,376,639,000
8,529,797,000
6,627,125,000
5,215,357,000
3,924,096,000
3,880,964,000
3,855,718,000
3,522,828,000
3,471,289,000
3,379,777,000
3,225,037,000
2,596,094,000
2,209,229,000
1,973,354,000
1,944,913,000
1,899,432,000
1,881,480,000
1,818,797,000
1,802,614,000
1,789,339,000
1,734,213,000
1,604,011,000
1,347,253,000
1,307,591,000
1,202,955,000
1,195,239,000
1,125,450,000
1,066,789,000
1,061,115,000
1,003,925,000
960,599,000
932,764,000
877,862,000
873,014,000
833,634,000
823,066,000
818,818,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
First State Bank of the Florida Keys, Key West, FL
Atlantic Coast Bank, JACKSONVILLE, FL
JD Bank, Jennings, LA
Queensborough National Bank & Trust Company, Louisville, GA
First Federal Bank of Louisiana, Lake Charles, LA
Prosperity Bank, St. Augustine, FL
First National Bank, Pulaski, TN
Neighbors Federal Credit Union, Baton Rouge, LA
Florida Credit Union, Gainesville, FL
Thomasville National Bank, Thomasville, GA
Citizens Bank, Elizabethton, TN
Commercial Bank & Trust Company, Paris, TN
Metro City Bank, Doraville, GA
The Peoples Bank, Biloxi, MS
Pinnacle Bank, Elberton, GA
Coconut Grove Bank, Miami, FL
Community Bank & Trust of Florida, Ocala, FL
First National Bank of South Miami, South Miami, FL
Wauchula State Bank, Wauchula, FL
Tropical Financial Credit Union, Miramar, FL
West Alabama Bank, Reform, AL
Morris Bank, Dublin, GA
Family Security Credit Union, Decatur, AL
Power Financial Credit Union, Pembroke Pines, FL
St. Martin Bank and Trust Company, St. Martinville, LA
United Bank, Atmore, AL
JGB Bank, Miami, FL
First Advantage Bank, Clarksville, TN
Community Bank of Florida, Homestead, FL
Nashville Bank and Trust Company, Nashville, TN
First Federal Bank, Dickson, TN
Citizens Bank & Trust, Frostproof, FL
First American Bank & Trust, Athens, GA
We Florida Financial, Margate, FL
Merchants & Southern Bank, Gainesville, FL
FMB, Monticello, FL
BrightStar Credit Union, Sunrise, FL
Continental National Bank, Miami, FL
Eastern National Bank, Miami, FL
Legends Bank, Clarksville, TN
Heritage Bank, Jonesboro, GA
Citizens Trust Bank, Atlanta, GA
Rayne State Bank, Rayne, LA
Citizens Bank & Trust, Guntersville, AL
Quantum National Bank, Suwanee, GA
FNB Bank, Scottsboro, AL
First National Bank of Louisiana, Crowley, LA
The Southern Credit Union, Fayetteville, GA
1st National Bank of South Florida, Homestead, FL
Regent Bank, Davie, FL
Gwinnett Community Bank, Duluth, GA
Britton & Koontz Bank, Natchez, MS
Charlotte State Bank & Trust, Port Charlotte, FL
Oconee State Bank, Watkinsville, GA
St. Landry Bank and Trust Company, Opelousas, LA
Peoples Bank & Trust, Buford, GA
AOD Federal Credit Union, Bynum, AL
Affinity Bank, Atlanta, GA
Century Bank, Lucedale, MS
First National Bank of Griffin, Griffin, GA
Exchange Bank, Milledgeville, GA
814,884,000
809,051,000
806,469,000
801,699,000
801,552,000
747,548,000
732,967,000
724,658,000
705,469,000
692,961,000
676,270,000
672,779,000
665,496,000
653,136,000
649,303,000
641,196,000
621,869,000
612,302,000
606,578,000
575,499,000
557,304,000
549,916,000
547,616,000
533,269,000
530,152,000
504,911,000
503,818,000
490,256,000
486,324,000
486,227,000
480,881,000
480,293,000
465,432,000
457,964,000
439,810,000
438,716,000
426,698,000
415,659,000
410,245,000
402,640,000
395,158,000
380,476,000
375,036,000
367,029,000
365,541,000
364,246,000
353,901,000
347,890,000
347,098,000
344,926,000
344,265,000
312,935,000
301,607,000
290,393,000
281,620,000
269,465,000
268,500,000
260,438,000
259,609,000
243,504,000
228,575,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Englewood Bank, Englewood, FL
Bank of Cleveland, Cleveland, TN
Grand Bank & Trust of Florida, West Palm Beach, FL
The First National Bank, Mount Dora, FL
First National Bank of Picayune, Picayune, MS
Tri Parish Bank, Eunice, LA
Peoples Independent Bank, Boaz, AL
Cherokee Bank, Canton, GA
SouthBank, Huntsville, AL
Southern Commerce Bank, National Association, Tampa, FL
Federal Reserve Bank of Chicago - District 7
State Farm Bank, FSB, Bloomington, IL
MB Financial Bank, Chicago, IL
CEFCU, Peoria, IL
Lake Michigan Credit Union, Grand Rapids, MI
DFCU Financial, Dearborn, MI
Lake City Bank, Warsaw, IN
First American Bank, Carpentersville, IL
University of Iowa Community Credit Union, Iowa City, IA
Morton Community Bank, Morton, IL
Mercantile Bank of Michigan, Grand Rapids, MI
First Financial Bank, Terre Haute, IN
American Chartered Bank, Schaumburg, IL
Horizon Bank, Michigan City, IN
Hills Bank, Hills, IA
Summit Credit Union, Madison, WI
MetaBank, Storm Lake, IA
Parkway Bank, Harwood Heights, IL
Community First Credit Union, Appleton, WI
Old Second National Bank, Aurora, IL
United Federal Credit Union, St. Joseph, MI
North Shore Bank, Brookfield, WI
WaterStone Bank, Wauwatosa, WI
West Bank, West Des Moines, IA
STAR, Fort Wayne, IN
Macatawa Bank, Holland, MI
Lake Trust Credit Union, Plymouth, MI
Isabella Bank, Mount Pleasant, MI
Michigan Schools and Government Credit Union, Clinton Township, MI
Marquette Bank, Chicago, IL
First Farmers Bank & Trust, Converse, IN
Mutual Bank, Muncie, IN
Dow Chemical Employees’ Credit Union, Midland, MI
Dubuque Bank & Trust Company, Dubuque, IA
BankFinancial, Olympia Fields, IL
Quad City Bank & Trust Company, Bettendorf, IA
United Bank of Iowa, Ida Grove, IA
Monroe Bank & Trust, Monroe, MI
Lakeside Bank, Chicago, IL
Bank of Ann Arbor, Ann Arbor, MI
First Citizens National Bank, Mason City, IA
First Internet Bank of Indiana, Indianapolis, IN
Blackhawk Bank & Trust, Milan, IL
Nicolet National Bank, Green Bay, WI
Connexus Credit Union, Wausau, WI
Wisconsin Bank & Trust, Madison, WI
River Valley Bank, Wausau, WI
iAB Financial Bank, Fort Wayne, IN
Credit Union One, Ferndale, MI
Guaranty Bank, Milwaukee, WI
228,357,000
221,206,000
211,711,000
209,025,000
205,351,000
199,422,000
198,661,000
167,896,000
104,039,000
70,962,000
Assets*
16,558,373,000
14,930,701,000
5,174,820,000
3,920,842,000
3,903,703,000
3,654,724,000
3,464,874,000
3,116,979,000
3,001,780,000
2,861,867,000
2,843,826,000
2,803,047,000
2,601,738,000
2,424,021,000
2,314,533,000
2,313,774,000
2,250,622,000
2,208,630,000
2,026,372,000
1,985,015,000
1,791,865,000
1,741,040,000
1,722,605,000
1,719,824,000
1,657,648,000
1,631,281,000
1,565,956,000
1,526,782,000
1,507,893,000
1,474,096,000
1,456,187,000
1,446,633,000
1,446,065,000
1,438,279,000
1,351,075,000
1,323,256,000
1,315,761,000
1,253,911,000
1,220,191,000
1,169,309,000
1,164,202,000
1,161,763,000
1,151,338,000
1,136,606,000
1,098,405,000
1,048,587,000
1,035,477,000
1,028,293,000
1,024,990,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Baylake Bank, Sturgeon Bay, WI
Triumph Community Bank, Moline, IL
United Community Bank, Chatham, IL
Purdue Federal Credit Union, West Lafayette, IN
I.H. Mississippi Valley Credit Union, Moline, IL
First Bank Financial Centre, Oconomowoc, WI
Collins Community Credit Union, Cedar Rapids, IA
Cedar Rapids Bank & Trust Company, Cedar Rapids, IA
Bank of Holland, Holland, MI
MECU, Schaumburg, IL
Peoples Bank, Munster, IN
First National Bank and Trust Company, Beloit, WI
Lincoln Savings Bank, Cedar Falls, IA
Talmer West Bank, Ann Arbor, MI
Three Rivers Federal Credit Union, Fort Wayne, IN
State Bank of Cross Plains, Cross Plains, WI
Salin Bank, Indianapolis, IN
Interra Credit Union, Goshen, IN
Peoples State Bank, Wausau, WI
Verve, Oshkosh, WI
First National Bank, Ames, IA
Deere Employees Credit Union, Moline, IL
Illinois National Bank, Springfield, IL
Prairie State Bank & Trust, Mount Zion, IL
Central Bank, Storm Lake, IA
Wildfire Credit Union, Saginaw, MI
Urban Partnership Bank, Chicago, IL
NB&T, Sycamore, IL
Farmers State Bank, Marion, IA
Consumers Credit Union, Kalamazoo, MI
Dort Federal Credit Union, Flint, MI
Hickory Point Bank, Decatur, IL
Westbury Bank, West Bend, WI
Blackhawk State Bank, Beloit, WI
Marine Bank, Springfield, IL
Home State Bank, Crystal Lake, IL
Corporate America Family Credit Union, Elgin, IL
LAFCU, Lansing, MI
Farmers State Bank, Lagrange, IN
Pilot Grove Savings Bank, Pilot Grove, IA
ChoiceOne Bank, Sparta, MI
Lisle Savings Bank, Lisle, IL
Northstar Bank, Bad Axe, MI
Zeal Credit Union, Livonia, MI
Community Bank & Trust, Sheboygan, WI
Carroll County State Bank, Carroll, IA
Iowa State Bank of Hull, Hull, IA
Central Bank Illinois, Geneseo, IL
Heritage Federal Credit Union, Newburgh, IN
United Bank, Grand Rapids, MI
Town and Country Bank, Springfield, IL
American Midwest Bank, Sycamore, IL
Financial Center First Credit Union, Indianapolis, IN
The Farmers Bank, Frankfort, IN
Greenfield Banking Company, Greenfield, IN
First Eagle Bank, Hanover Park, IL
American Community Bank & Trust, Woodstock, IL
Founders Bank & Trust, Grand Rapids, MI
Citizens State Bank, New Castle, IN
Thrivent Financial Credit Union, Appleton, WI
Ameriana Bank, New Castle, IN
1,023,023,000
999,968,000
989,356,000
954,238,000
921,726,000
909,171,000
873,127,000
871,177,000
870,951,000
859,605,000
842,324,000
841,155,000
836,956,000
793,986,000
787,732,000
780,832,000
762,234,000
759,621,000
758,464,000
727,397,000
724,572,000
715,519,000
711,143,000
703,182,000
684,550,000
683,481,000
671,901,000
671,425,000
665,719,000
647,216,000
643,247,000
628,481,000
626,055,000
613,647,000
611,982,000
598,255,000
595,370,000
590,628,000
571,535,000
565,585,000
552,909,000
540,119,000
528,304,000
527,396,000
525,510,000
525,291,000
523,920,000
515,306,000
513,974,000
513,542,000
502,223,000
497,276,000
495,920,000
484,037,000
483,308,000
482,065,000
480,684,000
477,389,000
469,579,000
467,407,000
462,551,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Itasca Bank & Trust Company, Itasca, IL
First State Bank of Middlebury, Middlebury, IN
PeoplesBank, Rock Valley, IA
Sterling Federal Bank, Sterling, IL
First Security Bank, Charles City, IA
First Bank, Paris, IL
Citizens Bank, Mooresville, IN
Midwest Bank of Western Illinois, Monmouth, IL
Northpointe Bank, Grand Rapids, MI
Hoosier Hills Credit Union, Bedford, IN
State Bank, Fenton, MI
Monona State Bank, Monona, WI
BankORION, Orion, IL
Bank of Northern Michigan, Petoskey, MI
ELGA Credit Union, Burton, MI
Stillman Bank, Stillman Valley, IL
TLC Community Credit Union, Adrian, MI
Resource Bank, De Kalb, IL
Soy Capital Bank and Trust, Decatur, IL
Flint Area School Employees Credit Union, Flint, MI
First Federal Savings Bank, Ottawa, IL
Iowa State Bank, Des Moines, IA
WoodTrust Bank, Wisconsin Rapids, WI
State Bank of Lizton, Lizton, IN
Rockford Bank and Trust Company, Rockford, IL
1st National Bank, Berlin, WI
1st National Bank, Howell, MI
Members First Credit Union, Midland, MI
Omni Community Credit Union, Battle Creek, MI
Catholic Federal Credit Union, Saginaw, MI
Alpena Alcona Area Credit Union, Alpena, MI
First National Bank of Muscatine, Muscatine, IA
Galena State Bank & Trust Company, Galena, IL
Century Bank and Trust, Coldwater, MI
Eastern Michigan Bank, Croswell, MI
Community Bank Of Oak Park River Forest, Oak Park, IL
Illini Bank, Springfield, IL
First State Bank, New London, WI
Devon Bank, Chicago, IL
Tri-County Bank, Brown City, MI
Washington State Bank, Washington, IA
Merchants Bank & Trust Company, West Harrison, IN
First Security Trust and Savings Bank, Elmwood Park, IL
United Community Bank, Milford, IA
Hantz Bank, Davison, MI
Iowa Savings Bank, Carroll, IA
United Financial Credit Union, Saginaw, MI
Chief Pontiac Federal Credit Union, Pontiac, MI
Fowler State Bank, Fowler, IN
Saginaw Medical Federal Credit Union, Saginaw, MI
Advantage One Federal Credit Union, Brownstown, MI
St. Francis X Federal Credit Union, Petoskey, MI
Capitol National Bank, Lansing, MI
Family Financial Credit Union, Muskegon, MI
State Central Bank, Farmington, IA
Federal Reserve Bank of St. Louis - District 8
Enterprise Bank & Trust, Clayton, MO
First Bank, Lexington, TN
Midland States Bank, Effingham, IL
455,718,000
455,239,000
449,080,000
448,382,000
447,913,000
443,372,000
438,500,000
437,492,000
437,143,000
435,426,000
433,786,000
424,210,000
419,349,000
416,219,000
414,265,000
412,393,000
401,017,000
400,316,000
391,017,000
377,932,000
371,201,000
367,650,000
363,566,000
361,640,000
360,348,000
358,740,000
354,542,000
352,826,000
328,655,000
327,708,000
303,283,000
301,448,000
293,441,000
287,162,000
283,613,000
282,650,000
278,738,000
258,727,000
251,588,000
244,924,000
237,428,000
234,154,000
216,825,000
200,488,000
189,751,000
184,535,000
183,148,000
148,742,000
144,234,000
123,188,000
121,067,000
115,937,000
114,441,000
96,949,000
52,516,000
Assets*
3,496,275,000
2,870,557,000
2,835,915,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
First State Community Bank, Farmington, MO
TheBANK of Edwardsville, Edwardsville, IL
Independence Bank, Owensboro, KY
Your Community Bank, New Albany, IN
Pulaski Bank, St. Louis, MO
Southern Bank, Poplar Bluff, MO
First Citizens National Bank, Dyersburg, TN
First National Bank of Fort Smith, Fort Smith, AR
Southern Bancorp, Arkadelphia, AR
Reliance Bank, Des Peres, MO
Peoples National Bank, Mcleansboro, IL
Commonwealth Credit Union, Frankfort, KY
Arkansas Federal Credit Union, Jacksonville, AR
L&N Federal Credit Union, Louisville, KY
Planters Bank, Hopkinsville, KY
Commonwealth Bank & Trust Company, Louisville, KY
CNB Bank & Trust, NA, Carlinville, IL
Park Community Credit Union, Louisville, KY
MidCountry Bank, MINNETONKA, MN
Focus Bank, Charleston, MO
FAB&T, Jacksonville, AR
Chambers Bank, Danville, AR
Guaranty Bank, Springfield, MO
First Southern Bank, Marion, IL
Bank of Washington, Washington, MO
First National Bank of Dieterich, Dieterich, IL
Magna Bank, Memphis, TN
Relyance Bank, Pine Bluff, AR
Jefferson Bank and Trust, St. Louis, MO
Paducah Bank, Paducah, KY
First Security Bank, Batesville, MS
Town & Country Bank, Salem, MO
First Capital Bank of Kentucky, Louisville, KY
First & Farmers National Bank, Somerset, KY
JCB, Seymour, IN
First National Bank, Staunton, IL
Fairfield National Bank, Fairfield, IL
Crane Federal Credit Union, Odon, IN
First Harrison, Corydon, IN
Lindell Bank, St. Louis, MO
Community First Bank, Harrison, AR
Farmers Bank & Trust, Blytheville, AR
Wilson & Muir Bank, Bardstown, KY
First South Bank, Jackson, TN
Farmers National Bank, Danville, KY
Citizens First Bank, Bowling Green, KY
Royal Banks of Missouri, University City, MO
First Bank, Carmi, IL
Field & Main Bank, Henderson, KY
Peoples Bank, Ripley, MS
Bloomfield State Bank, Bloomfield, IN
First National Bank of Clarksdale, Clarksdale, MS
Citizens Bank & Trust Company, Van Buren, AR
Parkside Financial Bank & Trust, Clayton, MO
First State Bank and Trust Company, Caruthersville, MO
Phelps County Bank, Rolla, MO
First Western Bank, Booneville, AR
New Era Bank, Fredericktown, MO
St. Johns Bank & Trust Company, St. Louis, MO
First Robinson Savings Bank, NA, Robinson, IL
First National Bank of Wynne, Wynne, AR
1,740,522,000
1,738,561,000
1,731,710,000
1,568,597,000
1,520,618,000
1,312,795,000
1,259,995,000
1,207,625,000
1,184,707,000
1,167,795,000
1,038,253,000
1,019,779,000
978,861,000
959,918,000
896,863,000
855,949,000
841,890,000
765,695,000
712,698,000
707,689,000
678,838,000
678,163,000
644,175,000
639,057,000
601,911,000
590,242,000
587,884,000
572,417,000
570,713,000
562,066,000
505,585,000
503,474,000
498,985,000
490,493,000
487,445,000
485,503,000
480,592,000
477,774,000
474,901,000
467,042,000
461,033,000
455,205,000
451,268,000
442,524,000
441,776,000
424,466,000
413,079,000
399,103,000
395,664,000
388,273,000
385,261,000
371,722,000
370,476,000
358,395,000
350,440,000
343,134,000
331,870,000
322,148,000
302,622,000
289,131,000
276,983,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Town & Country Bank and Trust Company, Bardstown, KY
FNB Oxford, Oxford, MS
First State Bank, Lonoke, AR
First National Bank, Camdenton, MO
Federal Reserve Bank of Minneapolis - District 9
Bremer Bank, South St. Paul, MN
Great Western Bank, Watertown, SD
Glacier Bank, Kalispell, MT
First Interstate Bank, Billings, MT
Stockman Bank, Miles City, MT
Landmark Credit Union, New Berlin, WI
Dacotah Bank, Aberdeen, SD
First International Bank & Trust, Watford City, ND
Anchor Bank, St. Paul, MN
KleinBank, Big Lake, MN
Gate City Bank, Fargo, ND
Stearns Bank, St. Cloud, MN
Affinity Plus Federal Credit Union, St. Paul, MN
RCU, Eau Claire, WI
First Premier Bank, Sioux Falls, SD
Think Mutual Bank, Rochester, MN
American Bank Center, Dickinson, ND
Central Bank, Stillwater, MN
Starion Financial, Bismarck, ND
Home Federal Bank, Sioux Falls, SD
Advia Credit Union, Parchment, MI
Altra Federal Credit Union, La Crosse, WI
First National Bank in Sioux Falls, Sioux Falls, SD
Black Hills Federal Credit Union, Rapid City, SD
US Federal Credit Union, Burnsville, MN
First Western Bank & Trust, Minot, ND
BankWest, Pierre, SD
Bridgewater Bank, Bloomington, MN
Sunrise Banks, St. Paul, MN
First National Bank, Pierre, SD
SPIRE Credit Union, Falcon Heights, MN
Western State Bank, Devils Lake, ND
Mayo Employees Federal Credit Union, Rochester, MN
mBank, Manistique, MI
First Security Bank, Bozeman, MT
Bank Midwest, Spirit Lake, IA
Yellowstone Bank, Laurel, MT
American State Bank & Trust Company of Williston, Williston, ND
First National Bank Bemidji, Bemidji, MN
Premier Bank, Maplewood, MN
Ideal Credit Union, Woodbury, MN
Opportunity Bank of Montana, Helena, MT
American Bank & Trust, Wessington Springs, SD
American Bank of Minnesota, Nashwauk, MN
United Prairie Bank, Mountain Lake, MN
Home Federal, Rochester, MN
Venture Bank, Bloomington, MN
First Savings Bank, Beresford, SD
Vermillion Bank, Vermillion, MN
Western Bank, St. Paul, MN
Bank Forward, Hannaford, ND
Fidelity Bank, Edina, MN
Capital Credit Union, New Salem, ND
Bitterroot Valley Bank, Lolo, MT
Northeast Bank, Minneapolis, MN
263,777,000
262,778,000
256,080,000
211,679,000
Assets*
10,252,673,000
9,790,723,000
8,742,945,000
8,580,278,000
3,086,549,000
2,844,838,000
2,173,403,000
2,102,284,000
1,950,918,000
1,873,221,000
1,800,546,000
1,780,686,000
1,727,177,000
1,648,265,000
1,553,402,000
1,508,817,000
1,331,492,000
1,248,894,000
1,182,930,000
1,169,363,000
1,140,216,000
1,114,446,000
1,073,209,000
1,052,288,000
1,024,134,000
962,785,000
892,457,000
835,610,000
812,418,000
802,630,000
801,576,000
786,117,000
755,910,000
746,328,000
743,703,000
724,559,000
672,816,000
657,074,000
640,336,000
633,254,000
607,576,000
605,669,000
592,164,000
579,046,000
573,834,000
562,710,000
549,107,000
543,308,000
529,622,000
525,710,000
495,120,000
490,271,000
396,609,000
395,659,000
392,621,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Tradition Capital Bank, Edina, MN
TopLine Federal Credit Union, Maple Grove, MN
Voyager Bank, Eden Prairie, MN
Citizens Bank Minnesota, New Ulm, MN
21st Century Bank, Loretto, MN
First Fidelity Bank, Burke, SD
American Bank, Bozeman, MT
Profinium, Truman, MN
Coulee Bank, La Crosse, WI
Mill City Credit Union, Minnetonka, MN
Lake Area Bank, Lindstrom, MN
Citizens Independent Bank, St. Louis Park, MN
Roundbank, Waseca, MN
Peoples Bank of Commerce, Cambridge, MN
MidMinnesota Federal Credit Union, Baxter, MN
First National Bank of Elk River, Maple Lake, MN
Wells Federal Bank, Wells, MN
Winona National Bank, Winona, MN
Richfield-Bloomington Credit Union, Richfield, MN
Community Resource Bank, Northfield, MN
Flathead Bank, Bigfork, MT
Bank of Baker, Baker, MT
Americana Community Bank, Sleepy Eye, MN
Federal Reserve Bank of Kansas City - District 10
Capitol Federal, Topeka, KS
ENT Federal Credit Union, Colorado Springs, CO
Tinker Federal Credit Union, Tinker Afb, OK
Union Bank & Trust Company, Lincoln, NE
Alpine Bank, Glenwood Springs, CO
ANB Bank, Denver, CO
Fidelity Bank, Wichita, KS
Public Service Credit Union, Denver, CO
Elevations Credit Union, Boulder, CO
KS StateBank, Manhattan, KS
Equity Bank, Andover, KS
Country Club Bank, Kansas City, MO
New Mexico Bank & Trust, Albuquerque, NM
Hawthorn Bank, Jefferson City, MO
Armed Forces Bank, Kansas City, MO
Meritrust Credit Union, Wichita, KS
American Heritage Bank, Sapulpa, OK
Academy Bank, N.A., Colorado Springs, CO
CoreFirst Bank & Trust, Topeka, KS
Nodaway Valley Bank, Maryville, MO
Mabrey Bank, Bixby, OK
Farmers Bank & Trust, NA, Great Bend, KS
Centennial Bank, Englewood, CO
Truity Credit Union, Bartlesville, OK
SpiritBank, Tulsa, OK
Adams Bank & Trust, Ogallala, NE
Midwest Bank, Pierce, NE
Bank of Blue Valley, Overland Park, KS
First National Bank, Hutchinson, KS
Vision Bank, Ada, OK
Credit Union of America, Wichita, KS
Farmers & Merchants Bank, Milford, NE
United Bank & Trust, Marysville, KS
Central National Bank, Enid, OK
Heritage Bank, Wood River, NE
FAA Credit Union, Oklahoma City, OK
380,642,000
367,462,000
358,946,000
357,919,000
355,279,000
349,337,000
336,288,000
330,947,000
323,923,000
313,336,000
294,781,000
294,742,000
291,071,000
287,282,000
274,186,000
271,989,000
268,404,000
266,783,000
264,936,000
253,255,000
231,191,000
158,037,000
118,808,000
Assets*
9,156,882,000
4,210,492,000
3,375,285,000
3,328,777,000
2,711,326,000
2,463,361,000
1,747,281,000
1,590,255,000
1,563,584,000
1,428,771,000
1,416,047,000
1,316,559,000
1,282,784,000
1,220,494,000
1,076,209,000
1,072,146,000
1,055,113,000
887,653,000
882,435,000
827,988,000
802,055,000
749,138,000
730,059,000
719,025,000
711,508,000
667,360,000
646,181,000
639,345,000
639,202,000
636,684,000
636,566,000
609,894,000
602,137,000
597,678,000
588,834,000
573,291,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Girard National Bank, Girard, KS
Great Plains National Bank, Elk City, OK
Converse County Bank, Douglas, WY
Air Academy Federal Credit Union, Colorado Springs, CO
Platte Valley Bank, Scottsbluff, NE
Platte Valley Bank, Platte City, MO
Peoples Bank, Lawrence, KS
Western State Bank, Garden City, KS
First National Bank & Trust Company of McAlester, Mcalester, OK
Liberty National Bank, Lawton, OK
Legacy Bank, Oklahoma City, OK
West Gate Bank, Lincoln, NE
Exchange National Bank & Trust, Atchison, KS
The Bank, NA, Mcalester, OK
RSNB Bank, Rock Springs, WY
Peoples Bank, Colorado Springs, CO
Points West Community Bank, Sidney, NE
Peoples Bank, Pratt, KS
Pueblo Bank & Trust, Pueblo, CO
First National Bank, Vinita, OK
The Bank, Oberlin, KS
American State Bank & Trust Company, Great Bend, KS
City National Bank, Lawton, OK
Security National Bank, Enid, OK
Madison County Bank, Madison, NE
Grand Savings Bank, Grove, OK
Union State Bank, Everest, KS
Cornerbank, Winfield, KS
First Option Bank, Osawatomie, KS
Grand Bank, Tulsa, OK
Citizens Bank, NA, Fort Scott, KS
Enterprise Bank, NA, Omaha, NE
Central National Bank, Poteau, OK
Security State Bank, Cheyenne, OK
First National Bank, Goodland, KS
Community Bank, Santa Fe, NM
Capital West Bank, Laramie, WY
Midland National Bank of Newton, Newton, KS
Federal Reserve Bank of Dallas - District 11
PlainsCapital Bank, Lubbock, TX
Randolph-Brooks Federal Credit Union, Universal City, TX
First Financial Bank, Abilene, TX
Independent Bank, Mckinney, TX
ViewPoint Bank, Plano, TX
San Antonio Credit Union, San Antonio, TX
Happy State Bank, Amarillo, TX
American Bank of Texas, Sherman, TX
GECU, El Paso, TX
JSC Federal Credit Union, Houston, TX
Inter National Bank, Mcallen, TX
EECU, Fort Worth, TX
Southwest Bank, Fort Worth, TX
Guaranty Bank & Trust, Mount Pleasant, TX
Austin Bank, Jacksonville, TX
First State Bank of Uvalde, Uvalde, TX
OmniAmerican Bank, Fort Worth, TX
Credit Union of Texas, Dallas, TX
Advancial Federal Credit Union, Dallas, TX
First United Bank, Dimmitt, TX
First Community Credit Union, Houston, TX
556,475,000
552,526,000
513,709,000
506,358,000
467,945,000
463,310,000
462,149,000
454,370,000
451,536,000
443,845,000
442,941,000
420,820,000
381,716,000
377,743,000
364,048,000
359,246,000
358,912,000
355,700,000
350,995,000
348,437,000
342,816,000
333,538,000
327,712,000
327,406,000
318,210,000
313,918,000
297,669,000
288,739,000
276,482,000
274,864,000
270,457,000
237,514,000
233,238,000
187,417,000
181,579,000
174,816,000
162,044,000
140,536,000
Assets*
8,347,694,000
6,665,438,000
6,446,229,000
4,474,799,000
3,951,617,000
2,772,294,000
2,758,617,000
2,220,104,000
2,218,660,000
1,875,122,000
1,786,492,000
1,777,147,000
1,658,627,000
1,605,449,000
1,568,549,000
1,407,088,000
1,338,340,000
1,252,064,000
1,233,240,000
1,139,778,000
1,136,788,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
First State Bank, Gainesville, TX
FirstCapital Bank of Texas, Midland, TX
First Bank & Trust East Texas, Diboll, TX
Security Bank, Odessa, TX
BTH Bank, Quitman, TX
United Heritage Credit Union, Austin, TX
AimBank, Littlefield, TX
First Bank & Trust, Lubbock, TX
Central National Bank, Waco, TX
Amoco Federal Credit Union, Texas City, TX
Amplify Credit Union, Austin, TX
Shell Federal Credit Union, Deer Park, TX
Centennial Bank, Lubbock, TX
Horizon Bank, SSB, Austin, TX
Legend Bank, Bowie, TX
NewFirst National Bank, El Campo, TX
Pilgrim Bank, Pittsburg, TX
Gulf Coast Educators Federal Credit Union, Pasadena, TX
Town North Bank, NA, Dallas, TX
Tradition Bank, Houston, TX
Progressive Bank, Winnsboro, LA
Community National Bank & Trust of Texas, Corsicana, TX
Concordia Bank, Vidalia, LA
First State Bank & Trust Company, Carthage, TX
People?s Trust Federal Credit Union, Houston, TX
Citizens Bank of Las Cruces, Las Cruces, NM
American National Bank & Trust, Wichita Falls, TX
First National Bank, Albany/Breckenridge, Albany, TX
Union State Bank, Florence, TX
Western Commerce Bank, Carlsbad, NM
TexasBank, Brownwood, TX
Bank of the West, Grapevine, TX
Citizens National Bank, Cameron, TX
Peoples Bank, Lubbock, TX
First State Bank, Athens, TX
Citizens Bank, Kilgore, TX
First Bank, Conroe, TX
Community Resource Credit Union, Baytown, TX
First State Bank, Louise, Louise, TX
Capital Bank, Houston, TX
First Bank, Burkburnett, TX
EducationFirst Federal Credit Union, Beaumont, TX
Evolve Credit Union, El Paso, TX
Associated Credit Union of Texas, Deer Park, TX
First State Bank Livingston, Livingston, TX
Lea County State Bank, Hobbs, NM
First Liberty National Bank, Liberty, TX
State National Bank, Big Spring, TX
Brenham National Bank, Brenham, TX
Classic Bank, NA, Cameron, TX
Jacksboro National Bank, Jacksboro, TX
First National Bank Of Jasper, Jasper, TX
First National Bank of Hughes Springs, Hughes Springs, TX
First National Bank of Lake Jackson, Lake Jackson, TX
State National Bank of Texas, Iowa Park, TX
First State Bank, Stratford, TX
Commercial National Bank of Texarkana, Texarkana, TX
Bank of the Southwest, Roswell, NM
First State Bank, Socorro, NM
983,497,000
952,042,000
932,168,000
894,344,000
843,629,000
841,001,000
797,455,000
788,502,000
786,863,000
741,174,000
740,736,000
738,432,000
710,534,000
619,259,000
609,689,000
600,820,000
596,601,000
580,299,000
571,532,000
540,977,000
538,145,000
523,556,000
518,941,000
513,555,000
500,552,000
479,079,000
475,840,000
471,665,000
469,514,000
444,116,000
416,831,000
414,690,000
411,906,000
398,934,000
387,267,000
387,058,000
382,680,000
370,743,000
362,581,000
344,600,000
342,572,000
338,200,000
333,787,000
327,857,000
321,308,000
312,478,000
310,774,000
301,674,000
296,098,000
289,731,000
259,804,000
252,321,000
240,772,000
231,182,000
229,073,000
226,304,000
208,158,000
148,697,000
139,048,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Federal Reserve Bank of San Francisco - District 12
First Republic Bank, San Francisco, CA
OneWest Bank, FSB, Pasadena, CA
Rabobank, NA, El Centro, CA
Washington Federal, Seattle, WA
BECU, Tukwila, WA
Western Alliance Bank, Phoenix, AZ
SchoolsFirst Federal Credit Union, Santa Ana, CA
The Golden 1 Credit Union, Sacramento, CA
Columbia State Bank, Tacoma, WA
First Technology Federal Credit Union, Palo Alto, CA
Star One Credit Union, Sunnyvale, CA
San Diego County Credit Union, San Diego, CA
Alaska USA Federal Credit Union, Anchorage, AK
Opus Bank, Redondo Beach, CA
HomeStreet Bank, Seattle, WA
Mountain America Credit Union, West Jordan, UT
Wilshire State Bank, Los Angeles, CA
AmericanWest Bank, Spokane, WA
Logix Federal Credit Union, Burbank, CA
OptumHealth Bank, Inc., West Valley City, UT
OnPoint Community Credit Union, Portland, OR
Desert Schools Federal Credit Union, Phoenix, AZ
First National Bank Alaska, Anchorage, AK
Heritage Bank, Olympia, WA
Redwood Credit Union, Santa Rosa, CA
Travis Credit Union, Vacaville, CA
EECU, Fresno, CA
SAFE Credit Union, Folsom, CA
Preferred Bank, Los Angeles, CA
Idaho Central Credit Union, Chubbuck, ID
First Foundation, Irvine, CA
STCU, Liberty Lake, WA
Torrey Pines Bank, San Diego, CA
Technology Credit Union, San Jose, CA
California Coast Credit Union, San Diego, CA
El Dorado Savings Bank, Placerville, CA
Heritage Oaks Bank, Paso Robles, CA
Stanford Federal Credit Union, Palo Alto, CA
Numerica Credit Union, SPOKANE VALLEY, WA
Northrim Bank, Anchorage, AK
Bank of American Fork, American Fork, UT
California Credit Union, Glendale, CA
Peoples Bank, Lynden, WA
Oregon Community Credit Union, Eugene, OR
Cashmere Valley Bank, Cashmere, WA
HAPO Community Credit Union, Richland, WA
Arizona Federal Credit Union, Phoenix, AZ
Orange County’s Credit Union, Santa Ana, CA
Advantis Credit Union, Milwaukie, OR
Provident Bank, Riverside, CA
Altura Credit Union, Riverside, CA
Kitsap Bank, Port Orchard, WA
First National Bank of Northern California, South San Francisco, CA
Commerce Bank of Washington, National Association, Seattle, WA
Inspirus Credit Union, Seattle, WA
Rogue Credit Union, Medford, OR
Pacific City Bank, Los Angeles, CA
KeyPoint Credit Union, Santa Clara, CA
Utah Community Credit Union, Provo, UT
Kitsap Credit Union, Bremerton, WA
Assets*
55,375,220,000
43,590,020,000
14,859,000,000
14,573,475,000
13,878,323,000
13,831,544,000
11,438,770,000
9,508,200,000
8,749,880,000
8,335,581,000
7,760,198,000
7,094,187,000
6,309,167,000
6,183,506,000
4,956,550,000
4,823,680,000
4,733,549,000
4,563,377,000
4,180,508,000
3,984,318,000
3,838,024,000
3,741,414,000
3,637,671,000
3,593,971,000
2,702,890,000
2,475,977,000
2,451,550,000
2,295,492,000
2,282,677,000
2,267,420,000
2,245,178,000
2,142,131,000
2,078,444,000
1,992,619,000
1,947,564,000
1,924,783,000
1,871,920,000
1,821,148,000
1,538,256,000
1,534,949,000
1,518,001,000
1,477,483,000
1,466,004,000
1,382,620,000
1,357,177,000
1,341,980,000
1,341,398,000
1,299,594,000
1,206,719,000
1,174,544,000
1,144,651,000
1,111,580,000
1,109,623,000
1,080,753,000
1,049,327,000
1,044,782,000
1,028,887,000
1,024,241,000
1,021,629,000
1,017,566,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
TwinStar Credit Union, Olympia, WA
Bank of Commerce, Idaho Falls, ID
Redding Bank of Commerce, Redding, CA
Northwest Community Credit Union, Springfield, OR
San Francisco Federal Credit Union, San Francisco, CA
Credit Union 1, Anchorage, AK
Evangelical Christian Credit Union, Brea, CA
Sunwest Bank, Tustin, CA
TruWest Credit Union, Tempe, AZ
Central Bank, Provo, UT
Riverview Community Bank, Vancouver, WA
San Mateo Credit Union, Redwood City, CA
Skagit Bank, Burlington, WA
Timberland Bank, Hoquiam, WA
Bank of the Pacific, Aberdeen, WA
Pacific Marine Credit Union, Camp Pendleton, CA
United Security Bank, Fresno, CA
1st Century Bank, National Association, Los Angeles, CA
Horizon Credit Union, Spokane, WA
Hawaii National Bank, Honolulu, HI
Bank of Hemet, Hemet, CA
American River Bank, Sacramento, CA
Citizens Bank, Corvallis, OR
AltaOne Federal Credit Union, Ridgecrest, CA
Plumas Bank, Quincy, CA
Scott Valley Bank, Yreka, CA
Solarity Credit Union, Yakima, WA
Denali Alaskan Federal Credit Union, Anchorage, AK
Credit Union West, Glendale, AZ
Greater Nevada Credit Union, Carson City, NV
Utah Power Credit Union, Salt Lake City, UT
BAC Community Bank, Stockton, CA
Santa Cruz County Bank, Santa Cruz, CA
First Bank, Ketchikan, AK
America’s Credit Union, Fort Lewis, WA
TomatoBank, Alhambra, CA
Valley Republic Bank, Bakersfield, CA
CapEd Federal Credit Union, Meridian, ID
CommerceWest Bank, Irvine, CA
Verity Credit Union, Seattle, WA
Matanuska Valley Federal Credit Union, Palmer, AK
Farmers National Bank, Buhl, ID
First Financial Credit Union of California, West Covina, CA
Merced School Employees Federal Credit Union, Merced, CA
Pacific Premier Bank, Newport Beach, CA
Arizona Central Credit Union, Phoenix, AZ
Security State Bank, Centralia, WA
Pioneer Federal Credit Union, Mountain Home, ID
SafeAmerica Credit Union, Pleasanton, CA
First Utah Bank, Salt Lake City, UT
First National Bank, Layton, UT
Clackamas Federal Credit Union, Oregon City, OR
Denali State Bank, Fairbanks, AK
San Diego Metropolitan Credit Union, San Diego, CA
Oregon Pacific Bank, Florence, OR
1,007,292,000
1,000,621,000
990,820,000
976,142,000
974,845,000
924,792,000
908,072,000
905,813,000
903,838,000
869,434,000
857,714,000
847,212,000
835,800,000
815,037,000
814,206,000
722,536,000
720,549,000
720,013,000
709,250,000
645,465,000
633,444,000
625,135,000
622,962,000
608,383,000
606,360,000
605,541,000
601,878,000
577,955,000
571,423,000
563,611,000
552,470,000
524,659,000
523,666,000
517,130,000
492,551,000
486,887,000
483,310,000
478,025,000
471,725,000
461,184,000
441,446,000
440,624,000
437,733,000
426,763,000
426,223,000
425,656,000
385,539,000
374,086,000
353,527,000
328,974,000
298,653,000
280,535,000
276,228,000
253,574,000
202,909,000
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m
Orange County Business Bank, N.A., Irvine, CA
Cascade Community Federal Credit Union, Roseburg, OR
South Sound Bank, Olympia, WA
Chino Commercial Bank, N.A., Chino, CA
SunBank, National Association, Phoenix, AZ
Armed Forces Bank of California, NA, San Diego, CA
201,081,000
178,320,000
164,501,000
164,132,000
35,129,000
15,889,000
International
Affinity Credit Union, Saskatoon, SK
Interior Savings Credit Union, Kelowna, BC
Westoba Credit Union, Brandon, MB
Synergy Credit Union, Lloydminster, SK
Northern Savings Credit Union, Prince Rupert, BC
Cornerstone Credit Union, Tisdale, SK
4 Front Credit Union, Traverse City, MI
Assets*
4,145,204,000
2,083,446,000
1,250,195,000
1,225,982,000
943,299,000
914,368,000
415,287,000
Client List as of 11/18/2015.
*Data Source: SNL Interactive, SNL Financial LC, One SNL Plaza, PO Box 2124, Charlottesville, Virginia 22902 USA Assets as of 9/30/2015.
**Data Source: Largest 100 Credit Unions, Credit Union Central of Canada, Second Quarter 2014. Assets in Canadian Dollar (CAD).
3325 Paddocks Pkwy, Ste 400 Suwanee, Georgia 30024 Phone - 1.866.227.1361 Fax - 678.297.1127
© 2015 Ceto and Associates Corporation. All rights reserved.
www.ceto.com
Ceto
and Associates
a m a n ag e m e n t c o n s u l t i n g f i r m