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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

February 25, 2019, 10:45 a.m. EST 1 Min Read

Year to date through Sep. 30, 2018. Dollars in thousands.

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Most Efficient Bank Holding Companies

Efficiency Ratio (YTD)*

 Noninterest Expense (YTD)

  Assets
Rank Company City State Sep. 2018 Sep. 2017 Sep. 2018 Sep. 2017 Change Sep. 2018
1 Synchrony Financial Stamford Conn. 29.22 28.72 $1,055,116 $957,419 $10.20 $104,546,000
2 Eagle Bancorp, Inc. Bethesda Md. 30.10 36.88 31,613 29,411 7.5 8,057,855
3 Beal Financial Corporation Plano Tex. 31.59 32 54,338 40,232 35.1 7,948,173
4 ServisFirst Bancshares, Inc. Birmingham Ala. 31.62 33.75 23,150 21,497 7.7 7,517,833
5 United National Corporation Sioux Falls S.D. 32.87 32.93 92,035 86,449 6.5 2,923,844
6 Bancorp, Inc. Wilmington Del. 33.57 63.68 43,092 46,504 -7.3 4,360,200
7 Lauritzen Corporation Omaha Neb. 34.60 41.22 20,278 16,117 25.8 1,306,544
8 Merchants Bancorp Carmel Ind. 34.90 33.71 12,422 8,942 38.9 3,806,954
9 Sterling Bancorp, Inc. Southfield Mich. 35.14 32.00 12,383 10,236 21.0 3,197,600
10 Discover Financial Services Riverwoods Ill. 37.32 37.54 1,019,409 947,691 7.6 105,842,272
11 Home BancShares, Inc. Conway Ark. 37.38 53.73 65,771 70,570 -6.8 14,912,738
12 Sterling Bancorp Montebello N.Y. 38.89 43.41 111,689 62,186 79.6 31,273,066
13 Silver Queen Financial Services, Inc. Greenwood Village Colo. 39.20 32.28 4,684 3,542 32.2 1,828,888
14 NexBank Capital, Inc. Dallas Tex. 39.31 52.95 19,385 18,630 4.1 8,103,113
15 First National Bancshares, Inc. East Lansing Mich. 39.44 46.59 10,003 10,485 -4.6 1,708,516
16 Inwood Bancshares, Inc. Dallas Tex. 40.59 44.55 9,863 9,484 4.0 2,759,552
17 Olney Bancshares of Texas, Inc. Olney Tex. 40.87 47.17 16,948 18,089 -6.3 3,616,334
18 PacWest Bancorp Beverly Hills Calif. 41.23 41.59 128,131 116,940 9.6 24,782,126
19 Bridgewater Bancshares, Inc. Bloomington Minn. 41.94 35.21 7,526 6,110 23.2 1,885,793
20 Oritani Financial Corp. Township of Washington N.J. 42.29 33.25 12,171 9,516 27.9 4,111,298
21 Prosperity Bancshares, Inc. Houston Tex. 42.39 40.03 81,351 77,171 5.4 22,624,728
22 LegacyTexas Financial Group, Inc. Plano Tex. 42.50 43.77 42,148 40,151 5.0 9,085,856
23 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 42.95 46.26 18,130 18,641 -2.7 5,368,641
24 Cathay General Bancorp Los Angeles Calif. 43.11 41.60 65,930 60,958 8.2 16,461,721
25 SVB Financial Group Santa Clara Calif. 43.54 48.54 307,183 258,875 18.7 58,178,762
26 Lakeland Financial Corporation Warsaw Ind. 44.05 45.11 22,046 20,266 8.8 4,759,054
27 East West Bancorp, Inc. Pasadena Calif. 44.49 45.90 177,057 162,436 9.0 39,073,106
28 Western Alliance Bancorporation Phoenix Ariz. 44.89 39.78 113,981 88,851 28.3 22,176,147
29 CVB Financial Corp. Ontario Calif. 45.58 41.52 48,873 34,698 40.9 11,480,341
30 Luther Burbank Corporation Santa Rosa Calif. 46.07 40.83 15,088 13,740 9.8 6,692,415
31 1867 Western Financial Corporation Stockton Calif. 46.08 49.92 16,530 15,841 4.3 3,055,266
32 Pinnacle Financial Partners, Inc. Nashville Tenn. 46.37 48.73 113,271 109,759 3.2 24,557,545
33 BSB Bancorp, Inc. Belmont Mass. 47.15 52.28 7,828 7,922 -1.2 2,972,085
34 Capitol Federal Financial, Inc. Topeka Kan. 47.38 42.04 26,707 23,315 14.5 9,463,253
35 OFG Bancorp San Juan P.R. 47.66 49.50 49,231 48,758 1.0 6,656,672
36 First Financial Bankshares, Inc. Abilene Tex. 47.85 49.13 47,507 43,964 8.1 7,571,231
37 Great Western Bancorp, Inc. Sioux Falls S.D. 47.86 46.57 58,930 54,122 8.9 12,116,752
38 Northfield Bancorp, Inc. Woodbridge N.J. 47.87 55.85 17,100 16,828 1.6 4,286,415
39 Hometown Community Bancorp, Inc. Morton Ill. 47.97 51.47 19,313 15,254 26.6 3,786,980
40 Great Southern Bancorp, Inc. Springfield Mo. 48.52 58.29 28,772 27,961 2.9 4,587,370
41 Hope Bancorp, Inc. Los Angeles Calif. 48.57 43.60 68,149 61,873 10.1 15,229,743
42 Amboy Bancorporation Old Bridge N.J. 48.71 54.93 12,221 12,743 -4.1 2,358,973
43 City Holding Company Cross Lanes W.Va. 48.79 51.63 25,093 24,405 2.8 4,420,404
44 First-West Texas Bancshares, Inc. Midland Tex. 49.10 49.93 6,300 5,672 11.1 1,386,152
45 Heritage Commerce Corp San Jose Calif. 49.12 49.98 17,728 14,834 19.5 3,192,910
46 New York Community Bancorp, Inc. Westbury N.Y. 49.15 41.99 134,393 161,791 -16.9 51,246,654
47 First of Long Island Corporation Glen Head N.Y. 49.26 45.56 14,242 13,059 9.1 4,249,995
48 Cadence Bancorporation Houston Tex. 49.40 NA 60,952 NA NA 11,759,837
49 Southside Bancshares, Inc. Tyler Tex. 49.42 50.77 28,564 24,909 14.7 6,105,354
50 First Merchants Corporation Muncie Ind. 49.53 58.27 54,731 57,851 -5.4 9,788,408
51 Community Trust Bancorp, Inc. Pikeville Ky. 49.75 51.20 28,106 26,932 4.4 4,173,843
52 Stearns Financial Services, Inc. Saint Cloud Minn. 49.79 32.90 19,509 13,446 45.1 2,069,653
53 Sandy Spring Bancorp, Inc. Olney Md. 49.86 54.41 42,219 31,251 35.1 8,034,565
54 Provident Financial Services, Inc. Iselin N.J. 49.90 52.50 46,786 46,252 1.2 9,709,633
55 ANB Corporation Terrell Tex. 50.21 62.69 28,112 21,085 33.3 3,043,043
56 United Bankshares, Inc. Charleston W.Va. 50.22 49.08 92,843 94,508 -1.8 19,187,643
Carolina Financial Corporation Charleston S.C. 50.22 56.05 23,196 15,179 52.8 3,724,086
58 SNBNY Holdings Limited Gibraltar #N/A 50.77 54.42 32,569 32,650 -0.2 7,184,805
59 S&T Bancorp, Inc. Indiana Pa. 50.95 49.81 37,028 36,514 1.4 7,105,363
60 M&T Bank Corporation Buffalo N.Y. 51.12 55.61 767,082 793,653 -3.3 116,827,637
61 Independent Bank Group, Inc. McKinney Tex. 51.23 53.89 52,655 47,904 9.9 9,891,464
62 Axos Financial, Inc. San Diego Calif. 51.33 40.34 53,034 38,019 39.5 9,791,520
63 Meridian Bancorp, Inc. Peabody Mass. 51.48 47.84 23,259 21,088 10.3 5,775,613
64 Enterprise Financial Services Corp Clayton Mo. 51.59 49.09 29,865 27,411 9.0 5,517,539
Amarillo National Bancorp, Inc. Amarillo Tex. 51.59 49.21 25,637 22,964 11.6 4,015,267
66 First Internet Bancorp Fishers Ind. 51.80 50.31 9,985 9,414 6.1 3,202,918
67 Washington Federal, Inc. Seattle Wash. 51.86 46.81 68,571 62,075 10.5 15,865,724
68 E*TRADE Financial Corporation New York N.Y. 51.91 67.02 379,686 405,380 -6.3 64,706,347
69 Capital One Financial Corporation McLean Va. 51.97 50.48 3,766,303 3,548,236 6.1 362,909,356
70 Texas Capital Bancshares, Inc. Dallas Tex. 52.09 50.41 134,757 112,262 20.0 27,127,328
71 Glacier Bancorp, Inc. Kalispell Mont. 52.17 47.23 82,232 67,658 21.5 11,909,102
72 FirstBank Holding Company Lakewood Colo. 52.22 52.14 101,859 97,612 4.4 18,438,807
73 IBERIABANK Corporation Lafayette La. 52.31 72.78 169,811 203,194 -16.4 30,118,387
74 Hills Bancorporation Hills Iowa 52.32 53.34 16,096 14,953 7.6 3,102,483
75 Farmers & Merchants Bancorp Lodi Calif. 52.35 51.14 19,639 16,285 20.6 3,185,931
76 Stockman Financial Corporation Miles City Mont. 52.38 51.59 21,441 19,753 8.5 3,562,805
77 International Bancshares Corporation Laredo Tex. 52.39 49.55 78,620 71,847 9.4 11,845,501
78 U.S. Bancorp Minneapolis Minn. 52.48 53.21 3,028,000 3,029,000 0.0 464,607,000
79 Washington Trust Bancorp, Inc. Westerly R.I. 52.54 55.30 25,914 26,751 -3.1 4,772,086
80 Comerica Incorporated Dallas Tex. 52.59 55.57 448,005 460,637 -2.7 71,590,232
81 Charles Schwab Corporation San Francisco Calif. 52.67 55.78 1,370,000 1,216,000 12.7 272,102,000
82 Ameris Bancorp Moultrie Ga. 52.85 66.50 70,982 66,363 7.0 11,428,994
83 Bank of Marin Bancorp Novato Calif. 52.86 60.38 13,971 13,036 7.2 2,545,715
84 Brookline Bancorp, Inc. Boston Mass. 52.89 55.44 37,350 35,433 5.4 7,338,193
85 American National Corporation Omaha Neb. 52.97 54.27 20,250 21,321 -5.0 3,705,491
86 First Bancorp, Inc. Lebanon Va. 53.02 54.38 10,346 10,253 0.9 1,756,195
87 F.N.B. Corporation Pittsburgh Pa. 53.20 54.04 169,913 163,348 4.0 32,617,595
88 New York Private Bank & Trust Corporation New York N.Y. 53.33 72.31 44,334 62,814 -29.4 5,701,952
89 BOU Bancorp, Inc. Ogden Utah 53.40 55.43 10,252 9,631 6.4 1,304,002
90 First Financial Bancorp. Cincinnati Ohio 53.50 57.14 84,009 54,164 55.1 13,842,667
91 Chemical Financial Corporation Detroit Mich. 53.82 65.93 108,106 119,564 -9.6 20,905,489
92 First Volunteer Corporation Chattanooga Tenn. 53.84 55.61 8,110 7,723 5.0 993,428
93 BNP Paribas USA, Inc. New York N.Y. 53.88 74.68 943,237 962,952 -2.0 127,518,917
94 Southern Missouri Bancorp, Inc. Poplar Bluff Mo. 53.91 56.46 11,688 10,992 6.3 1,946,931
95 First Busey Corporation Champaign Ill. 53.95 59.00 46,300 46,994 -1.5 7,889,385
96 WSFS Financial Corporation Wilmington Del. 54.39 59.64 60,732 54,122 12.2 7,159,842
97 Bank of Hawaii Corporation Honolulu Hawaii 54.42 54.46 90,572 89,250 1.5 16,991,734
98 Columbia Banking System, Inc. Tacoma Wash. 54.43 51.03 83,427 67,155 24.2 12,956,596
BTC Financial Corporation Des Moines Iowa 54.43 61.41 26,528 27,823 -4.7 4,486,963
100 Discount Bancorp, Inc. New York N.Y. 54.47 54.33 41,547 39,397 5.5 8,970,579
101 Commerce Bancshares, Inc. Kansas City Mo. 54.48 60.16 185,135 185,869 -0.4 25,098,702
102 Santander Holdings USA, Inc. Boston Mass. 54.65 56.72 1,457,658 1,394,853 4.5 131,628,075
103 Cullen/Frost Bankers, Inc. San Antonio Tex. 54.70 53.13 193,555 186,816 3.6 31,335,431
104 National Bankshares, Inc. Blacksburg Va. 54.83 53.15 6,660 6,686 -0.4 1,258,289
105 CTBC Capital Corp. Los Angeles Calif. 54.89 55.92 17,441 16,292 7.1 3,499,188
106 Stock Yards Bancorp, Inc. Louisville Ky. 54.90 57.29 22,290 21,726 2.6 3,326,009
107 Veritex Holdings, Inc. Dallas Tex. 54.91 58.57 18,245 12,523 45.7 3,275,846
108 Pinnacle Bancorp, Inc. Omaha Neb. 55.17 55.00 65,105 62,368 4.4 10,751,882
109 First Security Bancorp Searcy Ark. 55.32 41.09 33,072 34,279 -3.5 5,434,443
110 Valley View Bancshares, Inc. Overland Park Kan. 55.34 55.01 15,661 16,159 -3.1 3,079,953
111 First Community Bankshares, Inc. Bluefield Va. 55.39 55.34 18,562 16,389 13.3 2,269,688
112 Simmons First National Corporation Pine Bluff Ark. 55.41 55.61 102,565 68,050 50.7 16,286,322
113 First Bancorp Southern Pines N.C. 55.42 61.19 39,035 34,352 13.6 5,712,459
114 German American Bancorp, Inc. Jasper Ind. 55.48 57.63 21,576 19,771 9.1 3,364,945
115 Independent Bank Corp. Rockland Mass. 55.49 57.54 55,899 51,986 7.5 8,377,333
116 Lakeland Bancorp, Inc. Oak Ridge N.J. 55.51 51.72 27,793 24,849 11.8 5,627,564
117 BCI Financial Group, Inc. Miami Fla. 55.54 43.14 76,253 34,207 122.9 13,958,642
118 BancFirst Corporation Oklahoma City Okla. 55.63 57.65 55,767 50,556 10.3 7,602,443
119 First National of Nebraska, Inc. Omaha Neb. 55.64 56.65 230,934 221,355 4.3 20,505,910
120 Huntington Bancshares Incorporated Columbus Ohio 55.78 59.78 658,417 673,381 -2.2 105,652,344
121 Arrow Financial Corporation Glens Falls N.Y. 55.79 55.79 16,026 15,549 3.1 2,953,220
122 Popular, Inc. Hato Rey P.R. 55.86 61.93 350,000 316,000 10.8 47,919,000
123 United Community Banks, Inc. Blairsville Ga. 55.87 58.28 77,989 65,587 18.9 12,406,803
124 Hanmi Financial Corporation Los Angeles Calif. 55.90 52.86 28,985 28,574 1.4 5,487,042
125 TrustCo Bank Corp NY Glenville N.Y. 55.95 55.15 25,959 25,216 2.9 4,885,879
126 Umpqua Holdings Corporation Portland Ore. 56.04 62.60 177,538 188,415 -5.8 26,615,067
127 CBTX, Inc. Houston Tex. 56.05 59.11 20,024 19,178 4.4 3,190,676
128 Citigroup Inc. New York N.Y. 56.07 55.46 10,609,000 10,306,000 2.9 1,925,165,000
129 Central Bancompany, Inc. Jefferson City Mo. 56.09 57.56 83,155 81,198 2.4 12,697,646
130 Westamerica Bancorporation San Rafael Calif. 56.14 50.98 30,054 26,233 14.6 5,536,163
131 First Midwest Bancorp, Inc. Chicago Ill. 56.22 58.90 97,080 97,697 -0.6 14,961,499
132 JPMorgan Chase & Co. New York N.Y. 56.33 55.93 15,733,000 14,444,000 8.9 2,615,183,000
133 TD Group US Holdings LLC Wilmington Del. 56.45 52.56 1,719,534 1,650,058 4.2 380,646,026
134 Southern First Bancshares, Inc. Greenville S.C. 56.54 55.93 10,206 8,938 14.2 1,860,555
135 OceanFirst Financial Corp. Toms River N.J. 56.60 61.66 42,093 32,206 30.7 7,573,407
136 Bank of America Corporation Charlotte N.C. 56.67 59.36 13,080,000 13,172,000 -0.7 2,338,913,000
137 Ambank Company, Inc. Sioux Center Iowa 56.70 52.77 7,914 6,866 15.3 1,204,847
138 Byline Bancorp, Inc. Chicago Ill. 56.77 69.96 38,343 31,171 23.0 4,917,409
139 Pedcor Financial, LLC Carmel Ind. 56.78 128.38 5,821 5,949 -2.2 849,174
140 Community Bank System, Inc. De Witt N.Y. 56.83 56.74 84,992 82,860 2.6 10,659,567
141 Camden National Corporation Camden Maine 56.89 54.55 23,165 21,840 6.1 4,191,584
142 Marlin Business Services Corp. Mount Laurel N.J. 56.94 58.28 16,734 15,540 7.7 1,136,094
143 Investors Bancorp, Inc. Short Hills N.J. 56.95 57.23 101,645 103,158 -1.5 25,522,972
144 Seacoast Banking Corporation of Florida Stuart Fla. 57.06 58.71 37,751 34,851 8.3 5,930,934
145 Old Line Bancshares, Inc. Bowie Md. 57.11 74.75 16,688 14,516 15.0 2,931,018
146 First Bancshares, Inc. Merrillville Ind. 57.26 58.62 29,172 25,577 14.1 4,242,474
147 First BanCorp. San Juan P.R. 57.27 58.99 89,919 87,498 2.8 12,209,700
148 Union Bankshares Corporation Richmond Va. 57.32 61.38 76,912 57,395 34.0 13,377,400
149 National Commerce Corporation Birmingham Ala. 57.45 58.28 27,052 18,091 49.5 4,103,345
Red River Bancshares, Inc. Alexandria La. 57.45 61.98 11,455 10,610 8.0 1,816,296
151 Cambridge Financial Group, Inc. Cambridge Mass. 57.57 59.11 18,830 18,185 3.5 3,817,847
152 BankUnited, Inc. Miami Lakes Fla. 57.61 56.26 170,567 156,666 8.9 31,513,636
153 Columbia Bank MHC Fair Lawn N.J. 57.62 75.42 26,212 29,794 -12.0 6,566,274
154 CenterState Bank Corporation Winter Haven Fla. 57.77 54.15 77,225 45,056 71.4 12,274,365
155 Canandaigua National Corporation Canandaigua N.Y. 57.81 61.02 23,695 20,195 17.3 2,831,203
156 Berkshire Hills Bancorp, Inc. Boston Mass. 57.86 62.69 70,680 65,777 7.5 12,032,785
157 First Commonwealth Financial Corporation Indiana Pa. 57.87 57.79 49,326 47,195 4.5 7,686,345
158 Farmers & Merchants Investment, Inc. Lincoln Neb. 57.97 64.50 35,369 33,850 4.5 4,143,425
159 American Bancor, Ltd. Dickinson N.D. 57.99 61.98 12,858 13,237 -2.9 1,770,976
160 Dime Community Bancshares, Inc. Brooklyn N.Y. 58.03 55.18 21,518 22,111 -2.7 6,294,193
161 Flushing Financial Corporation Uniondale N.Y. 58.11 56.85 27,119 25,725 5.4 6,539,543
162 Citizens Financial Group, Inc. Providence R.I. 58.23 59.28 914,315 860,009 6.3 158,989,030
163 People's United Financial, Inc. Bridgeport Conn. 58.24 60.48 240,322 246,483 -2.5 44,131,699
164 Nicolet Bankshares, Inc. Green Bay Wis. 58.28 54.61 23,043 20,862 10.5 3,003,562
165 BB&T Corporation Winston-Salem N.C. 58.34 60.15 1,739,000 1,750,000 -0.6 222,885,000
166 First Defiance Financial Corp. Defiance Ohio 58.35 57.65 22,264 20,438 8.9 3,098,191
167 Webster Financial Corporation Waterbury Conn. 58.40 59.36 179,231 162,056 10.6 27,377,572
168 Wilson Bank Holding Co. Lebanon Tenn. 58.59 58.56 17,372 15,362 13.1 2,443,857
169 Premier Financial Bancorp, Inc. Huntington W.Va. 58.68 59.13 10,145 9,843 3.1 1,544,470
170 Century Bancorp, Inc. Medford Mass. 58.69 56.13 17,324 16,179 7.1 4,870,423
171 Bar Harbor Bankshares Bar Harbor Maine 58.74 55.22 17,842 17,330 3.0 3,560,992
172 KeyCorp Cleveland Ohio 58.84 62.71 961,562 996,438 -3.5 139,184,992
173 Franklin Financial Network, Inc. Franklin Tenn. 58.89 52.28 18,251 15,279 19.5 4,167,813
174 PNC Financial Services Group, Inc. Pittsburgh Pa. 58.91 57.87 2,605,367 2,442,428 6.7 380,275,666
NBT Bancorp Inc. Norwich N.Y. 58.91 57.53 66,402 60,679 9.4 9,547,284
Horizon Bancorp, Inc. Michigan City Ind. 58.91 64.87 25,620 24,513 4.5 4,150,561
177 Salem Five Bancorp Salem Mass. 58.93 63.79 26,899 28,115 -4.3 4,946,357
178 First Financial Corporation Terre Haute Ind. 58.96 59.67 23,914 22,142 8.0 2,983,676
179 Hometown Financial Group MHC Easthampton Mass. 59.05 55.97 11,638 11,176 4.1 2,114,210
180 Middlesex Bancorp, MHC Natick Mass. 59.10 58.75 22,801 21,130 7.9 4,794,993
181 Bryn Mawr Bank Corporation Bryn Mawr Pa. 59.18 60.67 33,408 27,909 19.7 4,388,442
182 American National Bankshares Inc. Danville Va. 59.26 57.61 10,869 10,713 1.5 1,806,491
183 Bank Leumi Le-Israel Corporation New York N.Y. 59.42 61.39 42,382 42,098 0.7 7,151,165
184 Valley National Bancorp Wayne N.J. 59.45 67.65 151,519 133,289 13.7 30,881,948
185 Equity Bancshares, Inc. Wichita Kan. 59.49 65.86 23,361 16,494 41.6 3,931,675
186 RCB Holding Company, Inc. Claremore Okla. 59.64 62.58 21,554 19,452 10.8 3,047,416
Heartland BancCorp Whitehall Ohio 59.64 55.41 6,583 5,401 21.9 1,023,537
188 Foresight Financial Group, Inc. Winnebago Ill. 59.73 60 7,119 6,804 4.6 1,183,702
189 Hancock Whitney Corporation Gulfport Miss. 59.78 61.64 181,424 177,906 2.0 28,107,566
190 Industry Bancshares, Inc. Industry Tex. 59.79 37.71 13,629 13,192 3.3 3,902,343
191 Alpine Banks of Colorado Glenwood Springs Colo. 59.81 58.36 28,115 25,220 11.5 3,666,516
192 Apple Financial Holdings, Inc. New York N.Y. 59.85 61.23 51,496 45,127 14.1 13,623,727
193 215 Holding Company Minneapolis Minn. 60.13 65.19 6,364 6,333 0.5 722,090
194 First Bankers Trustshares, Inc. Quincy Ill. 60.14 75.14 6,896 8,387 -17.8 986,969
195 Kearny Financial Corp. Fairfield N.J. 60.18 70.49 26,456 21,287 24.3 6,656,211
196 1st Source Corporation South Bend Ind. 60.24 61.51 47,405 44,562 6.4 6,293,764
197 Midland Financial Co. Oklahoma City Okla. 60.31 64.12 100,600 100,460 0.1 16,490,778
198 Synovus Financial Corp. Columbus Ga. 60.53 49.45 220,242 196,833 11.9 32,075,120
199 Southern BancShares (N.C.), Inc. Mount Olive N.C. 60.54 57.97 18,264 17,698 3.2 2,672,895
200 Univest Financial Corporation Souderton Pa. 60.60 61.12 34,371 32,695 5.1 4,801,998

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of Feb. 22, 2019, are included. *Noninterest expense divided by (total income minus interest expense)
Figures for prior periods are not adjusted for mergers and acquisitions.
© 2018 American Banker
Source: Financial Information Systems LLC (

www.FEDFIS.com
)

Banks, thrifts and holding companies