Top Rural Banks in the Philippines, as of 2015

Here's a partial list of the Top Rural Banks in the Philippines, as of March 2015:

Previous rankings are here:
Top Rural Banks as of 2012
Top Rural Banks as of 2013

                              2015 Ranking

1.  One Network Bank (ONB), A Rural Bank

One Network Bank, with its rapid growth rate and large branch network, has become the No. 1 rural bank in the Philippines. It will surely grow by leaps and bounds as it leverages the resources of BDO Unibank, the biggest bank in the Philippines, which signed an agreement to acquire ONB in December 2014.

Head Office:
ONB Center, KM 9, Sasa
Davao City
Hotline: (082)-233-7777
Email: customerservice@onenetworkbank.com.ph
Website: onenetworkbank.com.ph

- Total Assets as of June 2014: 26.5 billion
- Capital as of June 2014: more than 4 billion
- Capital adequacy ratio: 17%
- Total loan portfolio: 20 billion
- Number of branches: 102
- Number of employees: 1,481

Based on 2013 annual report on onenetworkbank.com.ph:
- Total assets as of December 2013: 25.7 billion
- Total deposits as of December 2013: 18 billion
- Total loan portfolio as of December 2013: 18.7 billion
- Non-performing loan ratio: 2%
- Return on Assets: 3%
- Return on Private Investment: 35%
- Risk-based capital adequacy ratio: 18%
  (BSP requires a minimum CAR of 10%)
- Number of branches: 98
- Number of ATMs: 143
- Number of Employees: 1,480

- Opened its first branch outside Mindanao in 2012, in Makati
   along Pasong Tamo Extension, near corner with EDSA
- ONB arose from the consolidation in 2004 of 3 rural banks: Network Rural Bank (Davao), Rural Bank of Panabo and Provident Rural Bank of Cotabato
- Chairman is Victor A. Consunji
- President and CEO of ONB is Alex V. Buenaventura

- Offers PeraDala foreign and local remittance service
  Remittance tie-ups with:
  BDO Remit
  Asia United Bank Gintong Hatid
  PNB Remittance
  RCBC TeleMoney
  BPI BPInoy Remittance
  DBP EC Remit
  XOOM
  MoneyGram
  Globe GCash
  IRemit
  UniTeller
  MyRemit, A Kapamilya Service of TFC
  XPress Money
  Cebuana Lhuillier

- Offers PeraBayad bills payment service:
  PLDT, SmartBro, Smart, Globe, Bayan Telecommunications, Innove Communications
  SSS, Philhealth, Ateneo De Davao, Davao Doctors College Inc., Mountain View College


2. Bank of Makati, A Rural Bank 

(Update Apr 22, 2015):  Bank of Makati has become a thrift bank or savings bank. It started operating as Bank of Makati (A Savings Bank) Inc. on April 15, 2015.

No. 44 Sen. Gil Puyat Avenue
Makati City 1234
Trunkline: (02) 889-0000
Hotline: (02) 889-0000 loc. 902
Email: customerservice@bankofmakati.com
Website: bankofmakati.com.ph
Facebook page:
 facebook.com/pages/Bank-of-Makati-A-Rural-Bank/232755353407095

 - Total assets as of December 2014: 26.334 billion
 - Total deposits as of December 2014: 16.402 billion
 - Capital Stock as of December 2014: 2.763 billion
 - Total Stockholders Equity as of December 2014: 5.772 billion
 - Retained Earnings as of December 2014: 3.043 billion
 - Gross Total Loan Portfolio as of December 2014: 19.287 billion
 - Gross Non-performing loan ratio: 15.08%
 - Net Non-performing loan ratio: 10.05%
- ROE as of December 2014: 3.51%
 - Total capital adequacy ratio: 17.52%
 - Tier 1 capital adequacy ratio: 17.02%
 - Compliance with 8% Micro and Small Enterprises Law: 30.2%
 - Compliance with 2% Medium Enteprises Law: 3.08%
 - Number of branches: 19 branches and 24 loan centers
 - Numner of microfinance-oriented branches in Metro Manila: 13
 - Founded in July 1956
 - Started operations in September 1956
 - Changed ownership in October 2001
 - Chairman is Thomas C. Ongtenco
    and president is Ma. Rodora E. Banares


3.  CARD Bank Inc., A Microfinance Oriented Rural Bank

CARD MRI
20 M. L. Quezon St., City Subdivision
San Pablo City, Laguna
Tel: (63)(049) 562-4309
Website: cardbankph.com/wp_cardbankph/bank
Email: info@cardbankph.com

 - Member of the 8-institution CARD MRI
 - Sister institution of Santo Tomas, Batangas-headquartered
    savings bank CARD SME Bank

 - Total Assets as of January 2015: 6.18 billion
 - Return on Equity: 37.63%
 - Return on Assets: 7.6%
 - Number of Savers and other Clients: 1,395,190
 - Number of Clients with Loans: 525,993
 - Loan Repayment Rate: 98.98%
 - Number of Employees: 2,392
 - Number of Branches: 59

 - Remittance tie-ups:
   BDO
   Xpress Money
   Worldremit
   Globe
   MoneyGram
   XOOM
   Transfast