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The top-performing community banks of 2021

Independent Banker

3-yr average pre-tax ROA. Brazos National Bank. Douglas National Bank. Elmore City. pre-tax ROA: 3.08%. pre-tax ROA: 2.83%. In order to compete as a small bank, we have been forced to keep higher-than-peer capital levels, so that our lending limit allows us to service local borrowers’ needs.