1. 2013 Growth Leaders Ranking
To find out which banks and thrifts truly
dominate in terms of top line growth, Bank
Director magazine Editor Jack Milligan
worked with Bank Intelligence Solutions, a
subsidiary of Fiserv Inc., to determine the
inaugural 2013 Growth Leaders Ranking.
Banks have been struggling to find organic
growth in the current economy.

2. The ranking shows the top growth banks and
thrifts in four categories among all Federal Deposit
Insurance Corp.-insured institutions over the
course of the first three quarters of 2012, based on
regulatory call reports.
The Four Categories
CORE INCOME
CORE DEPOSITS
NET LOANS AND LEASES
CORE NON-INTEREST INCOME

3. Contributing Factors
Strong
Management
Team
Good Local
Economy
Niche Player
Winners tended to have the following qualities:

4. One bank nearly dominated the entire ranking:
Customers Bank, the
Wyomissing, Pennsylvania-bank.
Customers Bank Chairman and Chief Executive
Officer Jay S. Sidhu has pursued a niche
strategy built around specialty lending and a
unique distribution strategy that emphasizes
mobile technology rather than brick-and-
mortar branches.

5. Top Banks for Core Income
Company Name State
Total Assets
($Millions)
Growth
Rate
Customers Bank
(Customers Bancorp Inc.)
PA $2,600,811 43.14%
Provident Savings Bank
(Provident Financial Holdings Inc.)
CA $1,271,390 20.94%
Enterprise Bank & Trust
(Enterprise Financial Services Corp.)
MO $3,172,022 20.44%
Barrington Bank & Trust Co.
(Wintrust Financial Corp.)
IL $1,577,251 18.76%
Cardinal Bank
(Cardinal Financial Corp.)
VA $3,002,852 18.44%

6. Top Banks for Net Loans & Leases
Company Name State
Total Assets
($Millions)
Growth
Rate
Customers Bank
(Customers Bancorp Inc.)
PA $2,657,811 19.77%
Union Savings Bank OH $2,541,407 12.87%
Opus Bank CA $2,670,621 9.13%
Cardinal Bank
(Cardinal Financial Corp.)
VA $3,002,852 8.93%
State Street Bank and Trust
(State Street Corp.)
MA $200,653,748 8.75%

7. Top Banks for Deposits
Company Name State
Total Assets
($Millions)
Growth
Rate
Cole Taylor Bank
(Taylor Capital Group)
IL $5,116,615 12.91%
First Niagara Bank
(First Niagara Financial Group Inc.)
NY $35,942,502 12.22%
Community Bank
(Community Bank System Inc.)
NY $7,544,335 9.95%
Lake Forest Bank and Trust Co.
(Wintrust Financial Corp.)
IL $2,385,395 9.12%
Bar Harbor Bank & Trust
(Bar Harbor Bankshares)
ME $1,294,713 8.81%

8. Top Banks for Non-Interest Income
Company Name State
Total Assets
($Millions)
Growth
Rate
State Bank & Trust Co.
(State Bank Financial Corp.)
GA $2,643,592 97.29%
Customers Bank
(Customers Bancorp Inc.)
PA $2,657,811 69.77%
Valley National Bank
(Valley National Bancorp)
NJ $15,754,559 50.76%
Rockville Bank
(Rockville Financial Inc.)
CT $1,946,365 47.22%
Cole Taylor Bank
(Taylor Capital Group)
IL $5,116,615 43.02%

9. For a more complete list,
please see Bank Director
magazine’s 2nd quarter issue
or visit BankDirector.com.