Most Efficient Bank Holding Companies

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Rank Company City State Efficiency Ratio (YTD)* Noninterest Expense (YTD) Assets    
Jun. 2019 Jun. 2018 Jun. 2019 Jun. 2018 Change Jun. 2019
1 Synchrony Financial Stamford Conn. 28.49 29.22 $1,063,000 $1,055,116 -0.7 $105,943,000
2 ServisFirst Bancshares, Inc. Birmingham Ala. 31.40 31.62 24,873 23,150 -7.4 9,005,112
3 United National Corporation Sioux Falls S.D. 33.59 33 103,087 92,035 -12.0 3,153,797
4 Amboy Bancorporation Old Bridge N.J. 33.78 48.71 9,973 12,221 18 2,340,572
5 Merchants Bancorp Carmel Ind. 34.77 NA 15,484 NA ####### 6,337,186
6 Beal Financial Corporation Plano Tex. 37.14 NA 33,591 NA ####### 6,358,818
7 CVB Financial Corp. Ontario Calif. 37.26 45.58 47,527 48,873 3 11,332,762
8 Sterling Bancorp Montebello N.Y. 37.42 38.89 106,563 111,689 4.6 30,087,578
9 Eagle Bancorp, Inc. Bethesda Md. 37.97 30.10 33,476 31,613 -5.9 9,003,467
10 Discover Financial Services Riverwoods Ill. 38.12 37.32 1,104,808 1,019,409 -8.4 110,785,547
11 Home BancShares, Inc. Conway Ark. 38.43 37.38 67,415 65,771 -2.5 14,901,935
12 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 39.12 42.95 20,379 18,130 -12.4 6,161,269
13 Sterling Bancorp, Inc. Southfield Mich. 39.88 35.14 13,269 12,383 -7.2 3,323,253
14 Veritex Holdings, Inc. Dallas Tex. 40.15 54.91 34,630 18,245 -89.8 7,962,883
15 Lauritzen Corporation Omaha Neb. 40.21 34.60 22,613 20,278 -11.5 1,474,282
16 Silver Queen Financial Services, Inc. Greenwood Village Colo. 40.45 39.20 4,020 4,684 14.2 2,147,428
17 Olney Bancshares of Texas, Inc. Olney Tex. 41.01 40.87 16,257 16,948 4.1 3,638,876
18 Cathay General Bancorp Los Angeles Calif. 41.47 43.11 65,163 65,930 1.2 18,004,966
19 East West Bancorp, Inc. Pasadena Calif. 41.67 44.49 176,379 177,057 0.4 43,274,659
20 PacWest Bancorp Beverly Hills Calif. 42.13 41.23 125,814 128,131 1.8 26,724,627
21 Prosperity Bancshares, Inc. Houston Tex. 42.77 42.39 80,471 81,351 1 22,093,140
22 Western Alliance Bancorporation Phoenix Ariz. 43.01 44.89 122,652 113,981 -7.6 26,324,245
23 1867 Western Financial Corporation Stockton Calif. 43.39 46.08 16,696 16,530 -1.0 3,335,485
24 Inwood Bancshares, Inc. Dallas Tex. 43.61 42.58 10,335 9,863 -4.8 2,966,533
25 Great Western Bancorp, Inc. Sioux Falls S.D. 44.36 47.86 54,875 58,930 6.9 12,788,301
26 BCI Financial Group, Inc. Miami Fla. 44.55 55.54 61,508 76,253 19.3 15,255,349
27 Lakeland Financial Corporation Warsaw Ind. 44.67 44.05 22,776 22,046 -3.3 4,950,828
28 Bridgewater Bancshares, Inc. Bloomington Minn. 45.02 41.94 9,084 7,526 -20.7 2,232,339
29 Cadence Bancorporation Houston Tex. 45.42 49.40 94,095 60,952 -54.4 17,856,213
30 Axos Financial, Inc. Las Vegas Nev. 45.95 51.33 66,208 53,034 -24.8 11,770,861
31 Luther Burbank Corporation Santa Rosa Calif. 46.17 46.07 14,942 15,088 1.0 7,161,419
32 Pinnacle Financial Partners, Inc. Nashville Tenn. 46.43 46.37 133,157 113,271 -17.6 27,547,834
33 Westamerica Bancorporation San Rafael Calif. 46.59 56.14 24,674 30,054 17.9 5,636,609
34 First Security Bancorp Searcy Ark. 46.77 55.32 35,896 33,072 -8.5 5,880,953
35 Stearns Financial Services, Inc. Saint Cloud Minn. 46.81 49.79 21,682 19,509 -11.1 2,342,123
36 International Bancshares Corporation Laredo Tex. 46.83 52.39 81,236 78,620 -3.3 11,966,035
37 SVB Financial Group Santa Clara Calif. 46.87 43.54 391,874 307,183 -27.6 68,466,759
38 Capitol Federal Financial, Inc. Topeka Kan. 47.22 47.38 27,309 26,707 -2 9,359,095
39 First Financial Bankshares, Inc. Abilene Tex. 47.34 47.85 48,910 47,507 -3.0 8,113,839
40 Marlin Business Services Corp. Mount Laurel N.J. 47.36 56.94 16,990 16,734 -1.5 1,256,898
New York Community Bancorp, Inc. Westbury N.Y. 47.36 49.15 123,304 134,393 8.3 52,537,629
42 Hometown Community Bancorp, Inc. Morton Ill. 47.56 47.97 18,249 19,313 5.5 3,930,193
43 Enterprise Financial Services Corp Clayton Mo. 47.61 51.59 37,955 29,865 -27.1 7,346,791
44 Independent Bank Group, Inc. McKinney Tex. 47.90 51.23 77,053 52,655 -46.3 14,959,127
45 Independent Bank Corp. Rockland Mass. 48.13 55.49 67,500 55,899 -20.8 11,540,121
46 Education Loan Finance, Inc. Farragut Tenn. 48.14 66.69 12,093 17,762 31.9 3,220,279
47 First Hawaiian, Inc. Honolulu Hawaii 48.41 NA 93,466 NA ####### 20,598,220
48 NexBank Capital, Inc. Dallas Tex. 48.50 39.31 20,485 19,385 -5.7 10,170,960
49 Valley View Bancshares, Inc. Overland Park Kan. 48.79 55.34 15,106 15,661 3.5 3,229,232
50 Industry Bancshares, Inc. Industry Tex. 48.90 59.79 14,502 13,629 -6.4 4,335,866
51 City Holding Company Cross Lanes W.Va. 48.91 48.79 29,205 25,093 -16 4,957,021
52 Seacoast Banking Corporation of Florida Stuart Fla. 48.93 57.06 38,514 37,751 -2.0 6,890,645
53 Meridian Bancorp, Inc. Peabody Mass. 49.67 51.48 24,099 23,259 -3.6 6,363,404
54 E*TRADE Financial Corporation Arlington Va. 49.83 51.91 389,439 379,686 -2.6 61,706,779
55 First Internet Bancorp Fishers Ind. 49.91 51.80 11,133 9,985 -11.5 4,095,491
56 S&T Bancorp, Inc. Indiana Pa. 49.98 50.95 37,669 37,028 -1.7 7,571,991
57 OFG Bancorp San Juan P.R. 50.12 47.66 49,477 49,231 -0.5 6,333,505
58 Community Trust Bancorp, Inc. Pikeville Ky. 50.18 49.75 29,882 28,106 -6.3 4,337,663
59 Northfield Bancorp, Inc. Woodbridge N.J. 50.26 47.87 16,869 17,100 1.4 4,811,682
60 First of Long Island Corporation Glen Head N.Y. 50.54 49.26 14,330 14,242 -0.6 4,162,595
61 Southside Bancshares, Inc. Tyler Tex. 50.60 49.42 28,991 28,564 -1.5 6,542,075
62 United Bankshares, Inc. Charleston W.Va. 50.62 50.22 94,594 92,843 -1.9 19,751,461
63 Pacific Premier Bancorp, Inc. Irvine Calif. 51.11 66.85 65,722 82,281 20.1 11,811,497
64 BOU Bancorp, Inc. Ogden Utah 51.21 53.40 11,108 10,252 -8.3 1,443,952
65 Comerica Incorporated Dallas Tex. 51.24 52.59 433,000 448,005 3.3 73,081,000
66 Ambank Company, Inc. Sioux Center Iowa 51.51 56.70 7,435 7,914 6.1 1,288,966
67 Washington Trust Bancorp, Inc. Westerly R.I. 51.60 52.54 26,903 25,914 -3.8 5,200,966
68 First-West Texas Bancshares, Inc. Midland Tex. 51.61 49.10 7,081 6,300 -12.4 1,307,761
69 Great Southern Bancorp, Inc. Springfield Mo. 51.78 48.52 28,695 28,772 0 4,977,076
70 Amarillo National Bancorp, Inc. Amarillo Tex. 51.82 51.59 36,209 25,637 -41.2 5,407,363
71 Bank of Marin Bancorp Novato Calif. 51.91 52.86 14,200 13,971 -1.6 2,592,071
72 Washington Federal, Inc. Seattle Wash. 52.28 51.86 71,426 68,571 -4 16,474,910
73 Salem Five Bancorp Salem Mass. 52.42 58.93 26,239 26,899 2.5 5,247,648
74 Hills Bancorporation Hills Iowa 52.45 52.32 16,741 16,096 -4.0 3,357,732
75 Heritage Commerce Corp San Jose Calif. 52.51 49.12 17,909 17,728 -1.0 3,182,471
76 Texas Capital Bancshares, Inc. Dallas Tex. 52.60 52.09 140,784 134,757 -4.5 33,526,714
77 Carolina Financial Corporation Charleston S.C. 52.63 50.22 25,504 23,196 -9.9 3,982,940
Farmers & Merchants Bancorp Lodi Calif. 52.63 52.35 20,705 19,639 -5.4 3,569,937
Provident Financial Services, Inc. Jersey City N.J. 52.63 49.90 49,693 46,786 -6.2 9,918,397
80 CIBC Bancorp USA Inc. Chicago Ill. 52.67 61.94 244,139 247,481 1.4 45,139,189
81 Lakeland Bancorp, Inc. Oak Ridge N.J. 52.84 55.51 29,563 27,793 -6 6,493,567
82 First Bancshares, Inc. Merrillville Ind. 52.91 57.26 29,288 29,172 -0.4 4,816,548
83 Nicolet Bankshares, Inc. Green Bay Wis. 52.99 58.28 22,887 23,043 0.7 3,105,671
84 First Bancshares, Inc. Hattiesburg Miss. 53.01 71.91 20,826 19,699 -5.7 3,479,999
85 Ida Grove Bancshares, Inc. Ida Grove Iowa 53.05 NA 8,007 NA ####### 1,654,736
86 TD Group US Holdings LLC Wilmington Del. 53.07 56.45 1,680,679 1,719,534 2.3 393,604,024
87 U.S. Bancorp Minneapolis Minn. 53.09 52.48 3,172,000 3,028,000 -4.8 487,671,000
88 Stock Yards Bancorp, Inc. Louisville Ky. 53.18 54.90 24,379 22,290 -9.4 3,537,413
89 First Financial Bancorp. Cincinnati Ohio 53.19 53.50 84,728 84,009 -0.9 14,480,445
90 BTC Financial Corporation Des Moines Iowa 53.20 54.43 27,803 26,528 -4.8 4,932,358
91 Stockman Financial Corporation Miles City Mont. 53.21 52.38 24,482 21,441 -14.2 3,832,436
92 BankUnited, Inc. Miami Lakes Fla. 53.34 57.61 118,688 170,567 30.4 32,950,535
93 HBT Financial, Inc. Bloomington Ill. 53.35 NA 22,510 NA ####### 3,166,613
94 FirstBank Holding Company Lakewood Colo. 53.42 52.22 105,902 101,859 -4.0 19,592,914
95 Southern Missouri Bancorp, Inc. Poplar Bluff Mo. 53.56 53.91 13,406 11,688 -14.7 2,251,303
96 Valley National Bancorp Wayne N.J. 53.59 59.45 145,403 151,519 4.0 33,765,539
97 Sandy Spring Bancorp, Inc. Olney Md. 53.60 49.86 44,928 42,219 -6.4 8,437,538
98 IBERIABANK Corporation Lafayette La. 53.70 52.31 172,749 169,811 -1.7 31,734,598
99 American National Corporation Omaha Neb. 53.80 52.97 21,544 20,250 -6.4 3,968,169
100 American National Bankshares Inc. Danville Va. 53.84 59.26 13,770 10,869 -26.7 2,454,529
101 First BanCorp. San Juan P.R. 53.90 57.27 93,390 89,919 -3.9 12,530,713
102 Southern First Bancshares, Inc. Greenville S.C. 53.91 56.54 11,917 10,206 -16.8 2,201,919
103 Horizon Bancorp, Inc. Michigan City Ind. 54.01 58.91 30,060 25,620 -17.3 5,186,714
104 Hope Bancorp, Inc. Los Angeles Calif. 54.06 48.57 70,732 68,149 -3.8 15,381,197
105 First Bancorp Southern Pines N.C. 54.09 55.42 38,833 39,035 0.5 6,069,387
106 Apple Financial Holdings, Inc. New York N.Y. 54.11 59.85 47,227 51,496 8.3 15,107,701
107 First Midwest Bancorp, Inc. Chicago Ill. 54.21 56.22 108,370 97,080 -11.6 18,013,454
108 Pinnacle Bancorp, Inc. Omaha Neb. 54.28 55.17 68,848 65,105 -5.7 12,010,644
109 Premier Financial Bancorp, Inc. Huntington W.Va. 54.45 58.68 10,686 10,145 -5.3 1,710,369
110 Charles Schwab Corporation San Francisco Calif. 54.51 52.67 1,488,000 1,370,000 -8.6 278,987,000
111 Huntington Bancshares Incorporated Columbus Ohio 54.73 55.80 666,927 658,417 -1.3 108,735,233
112 Camden National Corporation Camden Maine 54.86 56.89 23,728 23,165 -2.4 4,520,315
113 United Community Banks, Inc. Blairsville Ga. 55.01 55.87 83,397 77,989 -6.9 12,814,281
114 Discount Bancorp, Inc. New York N.Y. 55.02 54.47 47,188 41,547 -13.6 9,701,571
M&T Bank Corporation Buffalo N.Y. 55.02 51.12 845,422 767,082 -10.2 125,500,926
116 Central Bancompany, Inc. Jefferson City Mo. 55.13 56.09 90,921 83,155 -9.3 14,025,609
117 Synovus Financial Corp. Columbus Ga. 55.14 60.53 275,568 220,242 -25.1 47,661,182
118 Commerce Bancshares, Inc. Kansas City Mo. 55.40 54.48 191,052 185,135 -3.2 25,908,935
119 Arrow Financial Corporation Glens Falls N.Y. 55.41 55.79 16,791 16,026 -4.8 3,112,822
Columbia Banking System, Inc. Tacoma Wash. 55.41 54.43 88,719 83,427 -6.3 13,758,475
121 Capital One Financial Corporation McLean Va. 55.45 51.97 3,882,064 3,766,303 -3.1 378,810,387
122 F.N.B. Corporation Pittsburgh Pa. 55.47 53.20 176,855 169,913 -4 34,353,479
123 American Bancor, Ltd. Dickinson N.D. 55.51 57.99 12,407 12,858 3.5 1,889,190
124 First Bancorp, Inc. Lebanon Va. 55.55 53.02 11,774 10,346 -13.8 1,929,659
125 Brookline Bancorp, Inc. Boston Mass. 55.66 52.89 40,133 37,350 -7.5 7,889,157
126 Bridge Bancorp, Inc. Bridgehampton N.Y. 55.74 78.40 24,159 30,982 22.0 4,735,975
127 Webster Financial Corporation Waterbury Conn. 55.76 58.40 180,080 179,231 -0.5 29,941,592
128 MidWestOne Financial Group, Inc. Iowa City Iowa 55.98 67.74 32,182 22,668 -42.0 4,648,287
129 First Defiance Financial Corp. Defiance Ohio 56.00 58.35 23,202 22,264 -4.2 3,351,003
130 First Foundation Inc. Irvine Calif. 56.03 61.13 32,775 33,936 3.4 6,358,407
JPMorgan Chase & Co. New York N.Y. 56.03 56.33 16,483,000 15,733,000 -4.8 2,764,661,000
132 Popular, Inc. Hato Rey P.R. 56.06 55.86 386,000 350,000 -10.3 52,480,000
133 Citizens Financial Group, Inc. Providence R.I. 56.18 58.23 924,815 914,315 -1.1 164,974,535
First Mid Bancshares, Inc. Mattoon Ill. 56.18 61.57 25,348 24,663 -2.8 3,837,729
135 CBTX, Inc. Houston Tex. 56.27 56.05 22,106 20,024 -10.4 3,432,348
136 Mercantile Bank Corporation Grand Rapids Mich. 56.54 61.35 22,058 21,689 -1.7 3,710,380
137 Old National Bancorp Evansville Ind. 56.56 64.60 122,985 119,327 -3.1 20,438,812
138 BancFirst Corporation Oklahoma City Okla. 56.58 55.63 62,172 55,767 -11.5 8,389,183
139 OceanFirst Financial Corp. Toms River N.J. 56.59 56.60 43,655 42,093 -3.7 8,139,673
140 Citigroup Inc. New York N.Y. 56.69 56.07 10,601,000 10,609,000 0.1 2,014,802,000
CTBC Capital Corp. Los Angeles Calif. 56.69 54.89 17,038 17,441 2.3 3,561,647
142 First Interstate BancSystem, Inc. Billings Mont. 56.70 61.22 98,987 90,743 -9.1 14,701,947
143 1st Source Corporation South Bend Ind. 56.76 60.24 47,301 47,405 0.2 6,691,540
WesBanco, Inc. Wheeling W.Va. 56.76 62.97 72,893 75,950 4.0 12,593,904
145 TriCo Bancshares Chico Calif. 56.85 62.66 46,285 47,378 2.3 6,384,883
146 TrustCo Bank Corp NY Glenville N.Y. 56.90 55.95 25,741 25,959 0.8 5,223,883
147 KeyCorp Cleveland Ohio 56.92 58.84 952,025 961,562 1.0 147,321,059
148 Cullen/Frost Bankers, Inc. San Antonio Tex. 56.98 54.70 208,405 193,555 -7.7 33,179,016
149 Umpqua Holdings Corporation Portland Ore. 56.99 56.04 182,388 177,538 -2.7 28,930,855
150 Simmons First National Corporation Pine Bluff Ark. 57.08 55.41 109,073 102,565 -6.3 17,758,574
151 South State Corporation Columbia S.C. 57.14 61.09 99,153 104,336 5.0 15,752,082
152 Park National Corporation Newark Ohio 57.23 63.62 65,738 59,316 -10.8 8,726,864
153 Bank of America Corporation Charlotte N.C. 57.51 56.67 13,159,000 13,080,000 -0.6 2,426,330,000
154 BOK Financial Corporation Tulsa Okla. 57.60 60.62 267,884 248,786 -7.7 43,279,426
Franklin Financial Network, Inc. Franklin Tenn. 57.60 58.89 18,614 18,251 -2.0 3,818,324
156 Century Bancorp, Inc. Medford Mass. 57.62 58.69 17,474 17,324 -0.9 5,299,181
Dime Community Bancshares, Inc. Brooklyn N.Y. 57.62 58.03 22,711 21,518 -5.5 6,425,335
158 Wilson Bank Holding Company Lebanon Tenn. 57.67 58.59 18,210 17,372 -4.8 2,742,496
159 First Merchants Corporation Muncie Ind. 57.74 49.53 67,045 54,731 -22.5 12,325,061
160 First Community Bankshares, Inc. Bluefield Va. 57.75 55.39 17,826 18,562 4.0 2,205,047
161 Berkshire Hills Bancorp, Inc. Boston Mass. 57.78 57.86 70,690 70,680 0.0 13,537,048
162 Regions Financial Corporation Birmingham Ala. 57.87 62.95 882,000 936,820 5.9 128,436,000
163 Bank of Hawaii Corporation Honolulu Hawaii 57.92 54.42 100,214 90,572 -10.6 17,672,140
164 PNC Financial Services Group, Inc. Pittsburgh Pa. 57.96 58.91 2,635,734 2,605,367 -1.2 409,007,227
165 Bank Leumi Le-Israel Corporation New York N.Y. 58.02 59.42 43,352 42,382 -2.3 6,810,121
Fifth Third Bancorp Cincinnati Ohio 58.02 62.13 1,160,833 1,006,276 -15.4 171,078,869
167 Peapack-Gladstone Financial Corporation Bedminster N.J. 58.14 60.94 26,259 24,284 -8.1 4,925,409
168 CrossFirst Bankshares, Inc. Leawood Kan. 58.21 64.64 21,172 19,875 -6.5 4,651,313
169 CNB Financial Corporation Clearfield Pa. 58.30 61.97 21,444 20,794 -3.1 3,541,170
170 Citizens Bancorp Investment, Inc. Lafayette Tenn. 58.55 54.89 6,191 5,973 -3.6 932,374
171 Farmers & Merchants Investment, Inc. Lincoln Neb. 58.57 57.97 37,982 35,369 -7.4 4,460,653
172 Financial Institutions, Inc. Warsaw N.Y. 58.70 61.14 25,775 25,419 -1.4 4,332,737
173 TriState Capital Holdings, Inc. Pittsburgh Pa. 58.84 60.65 27,773 25,686 -8.1 7,198,449
174 Dacotah Banks, Inc. Aberdeen S.D. 58.86 61.24 18,173 17,247 -5.4 2,619,186
175 People's United Financial, Inc. Bridgeport Conn. 59.01 58.24 280,422 240,322 -16.7 52,068,945
176 PeoplesBancorp, MHC Holyoke Mass. 59.11 60.94 15,120 12,973 -16.5 2,927,839
177 Atlantic Union Bankshares Corporation Richmond Va. 59.28 57.32 111,703 76,912 -45.2 17,443,777
178 First Commonwealth Financial Corporation Indiana Pa. 59.33 57.87 54,664 49,326 -10.8 8,152,027
179 Heartland BancCorp Whitehall Ohio 59.36 59.64 7,589 6,583 -15.3 1,138,728
180 Bremer Financial Corporation Saint Paul Minn. 59.63 61.33 82,359 79,453 -3.7 13,114,874
181 Ally Financial Inc. Detroit Mich. 59.69 61.38 1,098,000 1,081,000 -1.6 181,485,000
182 Truist Financial Corporation Charlotte N.C. 59.71 58.34 1,824,000 1,739,000 -4.9 236,750,000
183 Byline Bancorp, Inc. Chicago Ill. 59.93 56.77 45,505 38,343 -18.7 5,438,278
184 Bryn Mawr Bank Corporation Bryn Mawr Pa. 59.95 59.18 35,007 33,408 -4.8 4,828,641
185 National Bank Holdings Corporation Greenwood Village Colo. 59.96 63.72 51,588 44,481 -16.0 5,990,050
186 Univest Financial Corporation Souderton Pa. 59.97 60.60 36,270 34,371 -5.5 5,353,611
187 215 Holding Company Minneapolis Minn. 60.00 60.13 4,973 6,364 21.9 746,558
188 Canandaigua National Corporation Canandaigua N.Y. 60.10 58 23,367 23,695 1.4 2,984,366
Northwest Bancshares, Inc. Warren Pa. 60.10 60.98 74,909 69,635 -7.6 10,736,134
190 CenterState Bank Corporation Winter Haven Fla. 60.17 57.77 126,621 77,225 -64.0 17,420,376
191 Allegiance Bancshares, Inc. Houston Tex. 60.25 62.48 30,007 19,145 -56.7 4,904,110
192 NBT Bancorp Inc. Norwich N.Y. 60.36 58.91 69,767 66,402 -5.1 9,661,386
193 Investors Bancorp, Inc. Short Hills N.J. 60.40 56.95 108,559 101,645 -6.8 26,786,430
194 Santander Holdings USA, Inc. Boston Mass. 60.45 54.65 1,638,837 1,457,658 -12.4 147,185,414
195 German American Bancorp, Inc. Jasper Ind. 60.52 55.48 31,961 21,576 -48.1 4,356,434
196 Peoples Bancorp Inc. Marietta Ohio 60.67 63.40 32,993 30,832 -7.0 4,396,148
197 Heritage Financial Corporation Olympia Wash. 60.69 64.39 36,705 39,551 7.2 5,515,185
198 Customers Bancorp, Inc. Wyomissing Pa. 60.70 65.88 59,484 57,054 -4.3 11,727,078
199 Wintrust Financial Corporation Rosemont Ill. 60.76 60.81 233,961 212,848 -9.9 34,902,953
200 Columbia Bank MHC Fair Lawn N.J. 60.90 57.62 30,478 26,212 -16.3 7,061,688



Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of Feb. 21, 2020, are included. *Noninterest expense divided by (total income minus interest expense)

Figures for prior periods are not adjusted for mergers and acquisitions.

© 2020 American Banker

Source: https://www.spglobal.com/en/