Most Efficient Bank Holding Companies (Mar. 31, 2020)

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Most Efficient Bank Holding Companies
Rank Company City State Efficiency
Ratio (YTD)*
'Dec. 2019
Efficiency
Ratio (YTD)*
'Dec. 2018
Noninterest
Expense (YTD)
'Dec. 2019
Noninterest
Expense (YTD)
'Dec. 2018
Noninterest
Expense (YTD)
'Change
Assets
'Dec. 2019
1 Synchrony Financial Stamford CT 29.68 29.01 $4,246,000 $4,095,000 $3.69 $104,826,000
2 ServisFirst Bancshares, Inc. Birmingham AL 32.58 32.63 101,840 93,971 $8.37 8,947,653
3 State Bankshares, Inc. Fargo ND 35.02 75 253,014 295,858 -$14.48 6,567,034
4 CVB Financial Corp. Ontario CA 37.84 44.26 198,597 179,876 $10.41 11,282,450
5 Discover Financial Services Riverwoods IL 38.25 38.11 4,385,933 4,086,788 $7.32 113,995,854
6 Eagle Bancorp, Inc. Bethesda MD 39.75 36.90 139,847 126,707 $10.37 8,988,719
7 Home BancShares, Inc. Conway AR 40.21 38.38 274,362 262,679 $4.45 15,032,047
8 Sterling Bancorp Montebello NY 41.71 39.67 467,697 459,520 $1.78 30,639,452
9 PacWest Bancorp Beverly Hills CA 42.37 41.49 504,766 519,933 -$2.92 26,770,806
10 Western Alliance Bancorporation Phoenix AZ 42.75 42.68 479,291 425,982 $12.51 26,821,948
11 East West Bancorp, Inc. Pasadena CA 43.46 44.35 730,719 713,184 $2.46 44,196,096
12 Olney Bancshares of Texas, Inc. Olney TX 43.63 39.63 67,683 63,189 $7.11 3,494,656
13 BCI Financial Group, Inc. Miami FL 44.81 58.28 245,556 254,067 -$3.35 15,848,068
14 Cathay General Bancorp Los Angeles CA 44.87 44.00 275,083 265,552 $3.59 18,094,144
15 Great Western Bancorp, Inc. Sioux Falls SD 45.82 46.64 224,054 229,520 -$2.38 12,851,665
16 ConnectOne Bancorp, Inc. Englewood Cliffs NJ 46.22 42.35 92,228 70,453 $30.91 6,174,032
17 Luther Burbank Corporation Santa Rosa CA 46.54 48.46 61,254 62,544 -$2.06 7,045,828
18 Capitol Federal Financial, Inc. Topeka KS 47.17 45.26 109,745 102,596 $6.97 9,254,763
19 Prosperity Bancshares, Inc. Houston TX 47.31 42.60 395,560 324,306 $21.97 32,195,337
20 Pinnacle Financial Partners, Inc. Nashville TN 47.48 46.44 498,109 450,687 $10.52 27,805,498
21 First Security Bancorp Searcy AR 47.54 46.00 140,999 134,067 $5.17 5,986,589
22 Westamerica Bancorporation San Rafael CA 47.84 52.19 101,552 109,592 -$7.34 5,646,348
23 SVB Financial Group Santa Clara CA 48.08 44.99 1,613,493 1,191,772 $35.39 71,384,015
24 First Hawaiian, Inc. Honolulu HI 48.19 47.42 370,437 364,953 $1.50 20,166,734
25 First Financial Bankshares, Inc. Abilene TX 48.46 49.55 196,521 190,684 $3.06 8,262,227
26 NexBank Capital, Inc. Dallas TX 49.03 34.14 76,626 75,832 $1.05 9,781,011
27 Cadence Bancorporation Houston TX 49.34 53.01 407,477 258,057 $57.90 17,785,436
28 New York Community Bancorp, Inc. Westbury NY 49.38 48.42 511,218 546,250 -$6.41 53,640,821
29 Washington Federal, Inc. Seattle WA 50.48 50.45 289,566 269,987 $7.25 16,423,161
30 City Holding Company Cross Lanes WV 50.51 56.54 118,111 113,304 $4.24 5,018,557
31 Pacific Premier Bancorp, Inc. Irvine CA 50.57 55.75 258,118 249,523 $3.44 11,776,012
32 Axos Financial, Inc. Las Vegas NV 50.83 43.28 279,076 199,124 $40.15 12,269,288
33 United Bankshares, Inc. Charleston WV 51.05 49.60 378,806 366,057 $3.48 19,662,324
34 Farmers & Merchants Bancorp Lodi CA 51.72 53.24 81,886 76,624 $6.87 3,723,430
35 Seacoast Banking Corporation of Florida Stuart FL 51.84 60.22 161,397 162,659 -$0.78 7,108,511
36 Comerica Incorporated Dallas TX 51.92 53.18 1,744,000 1,783,782 -$2.23 73,519,000
37 International Bancshares Corporation Laredo TX 51.93 50.53 308,875 297,024 $3.99 12,112,894
38 Southside Bancshares, Inc. Tyler TX 52.30 50.99 118,438 118,880 -$0.37 6,748,913
39 Independent Bank Group, Inc. McKinney TX 52.59 51.89 322,181 198,638 $62.20 14,958,207
40 Sandy Spring Bancorp, Inc. Olney MD 52.61 54.43 178,927 179,422 -$0.28 8,629,002
41 E*TRADE Financial Corporation Arlington VA 52.99 52.54 1,603,505 1,532,075 $4.66 61,416,142
42 First Merchants Corporation Muncie IN 53.10 50.55 245,215 219,884 $11.52 12,457,254
43 First Financial Bancorp. Cincinnati OH 53.23 56.53 338,980 321,621 $5.40 14,511,625
44 Texas Capital Bancshares, Inc. Dallas TX 53.50 52.11 566,650 517,110 $9.58 32,548,132
45 Great Southern Bancorp, Inc. Springfield MO 53.54 54.95 114,966 114,082 $0.77 5,015,969
46 Meridian Bancorp, Inc. Peabody MA 53.71 53.53 101,084 95,939 $5.36 6,344,009
47 BankUnited, Inc. Miami Lakes FL 53.91 61.51 483,896 738,391 -$34.47 32,871,293
48 Capital One Financial Corporation McLean VA 53.98 51.92 15,493,973 14,872,444 $4.18 390,364,866
49 IBERIABANK Corporation Lafayette LA 54.14 57.58 684,444 727,446 -$5.91 31,713,450
50 Provident Financial Services, Inc. Jersey City NJ 54.21 52.29 201,424 192,238 $4.78 9,808,577
51 TD Group US Holdings LLC Wilmington DE 54.37 56.37 6,813,581 6,691,231 $1.83 408,604,662
52 Hope Bancorp, Inc. Los Angeles CA 54.45 50.59 282,889 280,925 $0.70 15,667,729
53 FirstBank Holding Company Lakewood CO 54.54 53.39 435,809 412,298 $5.70 19,971,312
54 Independent Bank Corp. Rockland MA 54.58 57.67 284,342 227,239 $25.13 11,402,982
55 CIBC Bancorp USA Inc. Chicago IL 54.67 60.35 986,127 940,695 $4.83 47,192,950
Valley National Bancorp Wayne NJ 54.67 61.19 631,311 629,829 $0.24 37,453,416
57 Charles Schwab Corporation San Francisco CA 54.75 54.63 5,909,000 5,569,000 $6.11 294,005,000
58 Pinnacle Bancorp, Inc. Elkhorn NE 54.83 56.76 273,421 262,049 $4.34 12,275,530
59 S&T Bancorp, Inc. Indiana PA 54.85 50.16 166,663 144,970 $14.96 8,764,649
60 United Community Banks, Inc. Blairsville GA 54.87 56.19 321,613 306,756 $4.84 12,918,667
61 CTBC Capital Corp. Los Angeles CA 54.88 55.26 67,296 69,248 -$2.82 3,665,144
62 Brookline Bancorp, Inc. Boston MA 54.98 56.08 157,003 155,041 $1.27 7,875,295
63 Enterprise Financial Services Corp Clayton MO 55.07 50.38 164,336 118,813 $38.31 7,333,791
64 U.S. Bancorp Minneapolis MN 55.08 54.36 12,791,000 12,460,000 $2.66 495,426,000
65 M&T Bank Corporation Buffalo NY 55.11 54.44 3,392,488 3,242,320 $4.63 119,872,757
66 First BanCorp. San Juan PR 55.12 56.21 375,825 356,687 $5.37 12,611,266
67 First Bancorp Southern Pines NC 55.16 56.30 158,567 159,090 -$0.33 6,144,457
68 Bank of Hawaii Corporation Honolulu HI 55.18 55.91 379,189 371,175 $2.16 18,095,496
69 Republic Bancorp, Inc. Louisville KY 55.19 56.43 172,182 163,852 $5.08 5,620,318
70 Synovus Financial Corp. Columbus GA 55.36 57.80 1,095,922 826,001 $32.68 48,203,282
71 Fifth Third Bancorp Cincinnati OH 55.37 56.11 4,647,128 3,924,855 $18.40 169,369,169
72 F.N.B. Corporation Pittsburgh PA 55.60 55.48 694,700 691,069 $0.53 34,619,626
73 Central Bancompany, Inc. Jefferson City MO 55.74 56.59 359,792 330,814 $8.76 14,994,431
74 Popular, Inc. Hato Rey PR 55.91 55.75 1,503,000 1,420,000 $5.85 52,115,000
75 Columbia Banking System, Inc. Tacoma WA 56.12 56.88 351,453 344,080 $2.14 14,079,630
76 Commerce Bancshares, Inc. Kansas City MO 56.22 54.42 766,897 738,858 $3.79 26,083,903
77 Lakeland Bancorp, Inc. Oak Ridge NJ 56.38 56.16 126,756 111,167 $14.02 6,712,128
78 Webster Financial Corporation Waterbury CT 56.45 58.59 716,625 706,272 $1.47 30,423,561
79 OFG Bancorp San Juan PR 56.53 50.17 228,974 200,869 $13.99 9,297,660
80 BancFirst Corporation Oklahoma City OK 56.69 56.61 242,421 222,053 $9.17 8,565,776
81 JPMorgan Chase & Co. New York NY 56.76 57.53 66,224,000 63,447,000 $4.38 2,687,379,000
82 Huntington Bancshares Incorporated Columbus OH 56.88 57.00 2,731,116 2,647,334 $3.16 109,001,821
83 Cullen/Frost Bankers, Inc. San Antonio TX 56.89 55.31 833,504 776,771 $7.30 34,096,890
84 First Midwest Bancorp, Inc. Chicago IL 56.92 61.20 439,786 411,975 $6.75 17,850,397
85 CenterState Bank Corporation Winter Haven FL 57.06 57.97 445,012 311,113 $43.04 17,142,025
86 Apple Financial Holdings, Inc. New York NY 57.26 58.46 198,429 201,204 -$1.38 15,808,186
87 German American Bancorp, Inc. Jasper IN 57.41 59.72 114,162 93,553 $22.03 4,399,008
88 Discount Bancorp, Inc. New York NY 57.61 57.70 190,199 182,151 $4.42 9,777,011
89 Citigroup Inc. New York NY 57.63 57.81 42,598,000 42,913,000 -$0.73 1,951,158,000
90 TrustCo Bank Corp NY Glenville NY 57.65 56.09 104,387 103,722 $0.64 5,221,902
91 First Commonwealth Financial Corporation Indiana PA 57.69 57.34 208,056 194,380 $7.04 8,308,773
Glacier Bancorp, Inc. Kalispell MT 57.69 55.00 372,486 318,154 $17.08 13,683,999
93 Heritage Commerce Corp San Jose CA 57.87 55.77 84,901 75,521 $12.42 4,109,463
94 WesBanco, Inc. Wheeling WV 57.95 56.78 311,200 264,327 $17.73 15,719,289
95 1st Source Corporation South Bend IN 58.32 59.84 191,312 187,411 $2.08 6,623,266
96 Citizens Financial Group, Inc. Providence RI 58.38 59.02 3,800,106 3,623,057 $4.89 166,089,890
97 First Mid Bancshares, Inc. Mattoon IL 58.41 58.62 111,806 90,355 $23.74 3,839,426
98 Regions Financial Corporation Birmingham AL 58.66 61.47 3,535,000 3,638,212 -$2.84 126,633,000
99 Investors Bancorp, Inc. Short Hills NJ 58.80 56.06 422,118 407,049 $3.70 26,772,548
100 PNC Financial Services Group, Inc. Pittsburgh PA 58.88 59.11 10,601,448 10,283,796 $3.09 410,373,281
101 Bank Leumi Le-Israel Corporation New York NY 59.15 59.70 176,998 176,511 $0.28 6,884,682
102 Atlantic Union Bankshares Corporation Richmond VA 59.16 60.26 417,303 337,612 $23.60 17,563,450
103 SNBNY Holdings Limited Gibraltar 59.22 53.91 149,275 140,065 $6.58 8,300,396
104 Bank of America Corporation Charlotte NC 59.48 57.65 54,035,000 53,452,000 $1.09 2,434,079,000
105 First Interstate BancSystem, Inc. Billings MT 59.50 60.53 393,886 353,250 $11.50 14,644,087
106 Simmons First National Corporation Pine Bluff AR 59.71 54.96 469,076 401,119 $16.94 21,264,536
107 Umpqua Holdings Corporation Portland OR 59.77 59.68 714,949 735,499 -$2.79 28,846,809
108 KeyCorp Cleveland OH 59.78 60.25 3,900,483 3,972,823 -$1.82 145,569,632
109 NBT Bancorp Inc. Norwich NY 59.83 59.42 274,517 264,978 $3.60 9,715,925
110 Dime Community Bancshares, Inc. Brooklyn NY 59.92 56.07 95,153 86,640 $9.83 6,354,460
111 First Foundation Inc. Irvine CA 60.12 65.44 129,903 127,102 $2.20 6,314,470
112 Bremer Financial Corporation Saint Paul MN 60.27 62.98 320,191 325,762 -$1.71 13,168,902
113 People's United Financial, Inc. Bridgeport CT 60.28 59.43 1,157,159 994,366 $16.37 58,579,620
114 Community Bank System, Inc. De Witt NY 60.35 57.12 369,824 343,454 $7.68 11,410,295
115 Midland Financial Co. Oklahoma City OK 60.39 59.95 444,821 405,993 $9.56 23,005,630
116 Old National Bancorp Evansville IN 60.43 67.73 509,232 517,209 -$1.54 20,411,698
117 Renasant Corporation Tupelo MS 60.58 61.62 372,126 342,064 $8.79 13,400,618
118 BOK Financial Corporation Tulsa OK 60.59 61.95 1,094,063 986,685 $10.88 42,323,681
119 Santander Holdings USA, Inc. Boston MA 60.75 57.97 6,366,505 5,818,874 $9.41 149,499,477
120 Truist Financial Corporation Charlotte NC 60.83 58.11 7,917,000 6,896,000 $14.81 473,078,000
121 Univest Financial Corporation Souderton PA 60.95 61.14 146,083 137,239 $6.44 5,380,924
122 South State Corporation Columbia SC 61.20 62.16 416,246 433,747 -$4.03 15,921,092
123 First Busey Corporation Champaign IL 61.33 56.25 258,854 193,408 $33.84 9,695,729
124 Hanmi Financial Corporation Los Angeles CA 61.51 56.71 122,895 117,346 $4.73 5,538,184
125 TriState Capital Holdings, Inc. Pittsburgh PA 61.64 61.12 112,149 101,157 $10.87 7,765,810
126 Hancock Whitney Corporation Gulfport MS 61.95 59.15 789,364 719,749 $9.67 30,619,716
127 Ally Financial Inc. Detroit MI 62.01 62.63 4,482,000 4,380,000 $2.33 180,644,000
128 OceanFirst Financial Corp. Toms River NJ 62.10 66.97 190,251 193,456 -$1.66 8,259,869
129 Central Pacific Financial Corp. Honolulu HI 62.20 61.75 141,608 134,187 $5.53 6,012,672
130 National Bank Holdings Corporation Greenwood Village CO 62.28 68.65 188,533 189,334 -$0.42 5,895,512
131 Banner Corporation Walla Walla WA 62.46 64.16 357,617 340,858 $4.92 12,604,031
132 Wintrust Financial Corporation Rosemont IL 62.52 61.66 926,561 821,584 $12.78 36,607,723
133 Berkshire Hills Bancorp, Inc. Boston MA 62.70 63.46 288,649 308,814 -$6.53 13,216,924
134 Business First Bancshares, Inc. Baton Rouge LA 62.75 70.64 57,699 50,381 $14.53 2,275,580
135 Tompkins Financial Corporation Ithaca NY 62.76 61.51 181,834 181,067 $0.42 6,725,623
136 Heartland Financial USA, Inc. Dubuque IA 62.93 65.10 367,574 351,681 $4.52 13,209,597
137 W.T.B. Financial Corporation Spokane WA 63.23 62.74 193,261 180,121 $7.30 7,164,664
138 Midland States Bancorp, Inc. Effingham IL 63.28 72.85 175,641 191,643 -$8.35 6,087,017
139 BBVA USA Bancshares, Inc. Houston TX 63.63 63.10 2,863,566 2,349,458 $21.88 93,603,606
140 Columbia Bank MHC Fair Lawn NJ 63.66 78.19 126,822 144,130 -$12.01 8,187,283
141 Associated Banc-Corp Green Bay WI 63.71 64.92 791,188 821,221 -$3.66 32,386,478
142 Ameris Bancorp Atlanta GA 63.72 60.13 463,164 285,215 $62.39 18,242,579
143 Northwest Bancshares, Inc. Warren PA 63.94 63.53 311,148 287,244 $8.32 10,638,226
144 Customers Bancorp, Inc. Wyomissing PA 64.50 64.79 231,476 219,774 $5.32 11,520,717
145 First Horizon National Corporation Memphis TN 64.59 68.57 1,229,126 1,217,061 $0.99 43,313,503
146 Fulton Financial Corporation Lancaster PA 64.80 65.19 565,538 546,862 $3.42 21,861,927
147 Beal Financial Corporation Plano TX 65.22 39.87 144,617 205,196 -$29.52 6,993,000
148 Bank of New York Mellon Corporation New York NY 65.30 67.03 10,888,000 11,211,000 -$2.88 381,508,000
149 Kearny Financial Corp. Fairfield NJ 65.43 66.12 108,186 107,529 $0.61 6,610,401
150 INTRUST Financial Corporation Wichita KS 65.54 65.28 153,545 140,778 $9.07 5,695,664
151 Spend Life Wisely Company, Inc. Durant OK 65.96 65.70 274,292 246,721 $11.17 8,142,204
Third Federal Savings and Loan Association of Cleveland, MHC Cleveland OH 65.96 64.16 189,256 191,100 -$0.96 14,806,136
153 FB Financial Corporation Nashville TN 66.15 65.44 244,539 223,165 $9.58 6,124,921
154 WSFS Financial Corporation Wilmington DE 66.32 58.13 411,981 235,285 $75.10 12,256,302
155 Park National Corporation Newark OH 66.54 61.68 263,988 228,755 $15.40 8,562,741
156 First Citizens BancShares, Inc. Raleigh NC 66.64 67.90 1,247,865 1,201,715 $3.84 39,824,496
157 Flushing Financial Corporation Uniondale NY 66.94 61.61 114,683 111,021 $3.30 7,017,776
158 Northern Trust Corporation Chicago IL 67.48 66.72 4,138,099 4,022,861 $2.86 136,828,388
159 Dollar Mutual Bancorp Pittsburgh PA 67.51 67.81 205,275 196,270 $4.59 9,043,235
160 BMO Financial Corp. Chicago IL 67.60 71.75 3,729,610 3,581,916 $4.12 172,874,960
161 CIT Group Inc. New York NY 67.63 66.61 1,601,153 1,657,158 -$3.38 50,832,836
162 Goldman Sachs Group, Inc. New York NY 67.67 63.57 24,973,000 23,481,000 $6.35 992,996,000
Trustmark Corporation Jackson MS 67.67 66.42 426,167 414,416 $2.84 13,497,877
164 Triumph Bancorp, Inc. Dallas TX 67.76 63.81 204,083 167,354 $21.95 5,060,297
165 South Central Bancshares of Kentucky, Inc. Glasgow KY 68.35 70.70 36,512 35,061 $4.14 1,276,049
166 Eastern Bank Corporation Boston MA 68.73 68.36 415,973 397,567 $4.63 11,630,179
167 Boston Private Financial Holdings, Inc. Boston MA 68.76 68.09 230,173 267,062 -$13.81 8,831,664
168 VeraBank, Inc. Henderson TX 68.93 70.22 79,520 75,632 $5.14 2,413,252
169 Bancorp, Inc. Wilmington DE 68.95 57.79 175,227 172,132 $1.80 5,658,570
170 UMB Financial Corporation Kansas City MO 69.15 69.02 778,860 717,800 $8.51 26,561,355
171 Wells Fargo & Company San Francisco CA 69.27 63.74 58,344,000 56,272,000 $3.68 1,927,555,000
172 John Deere Capital Corporation Reno NV 69.55 64.55 1,273,865 1,130,079 $12.72 39,448,440
173 FB Corporation Creve Coeur MO 69.60 64.02 169,466 169,673 -$0.12 6,216,107
174 EB Acquisition Company, LLC Dallas TX 70.10 63.23 316,206 183,817 $72.02 17,204,194
175 Barclays US LLC New York NY 71.86 85.94 7,037,000 7,918,000 -$11.13 149,420,000
176 Morgan Stanley New York NY 72.05 71.21 30,097,000 28,825,000 $4.41 895,429,000
177 American Express Company New York NY 72.41 71.11 31,607,000 28,927,000 $9.26 198,314,000
178 Banc of California, Inc. Santa Ana CA 72.66 74.71 193,909 233,242 -$16.86 7,828,409
179 New York Private Bank & Trust Corporation New York NY 72.83 71.49 217,978 233,262 -$6.55 5,984,318
180 State Street Corporation Boston MA 74.78 72.65 9,048,000 8,972,905 $0.84 245,610,000
181 Flagstar Bancorp, Inc. Troy MI 74.91 75.32 886,557 701,735 $26.34 23,265,010
182 TCF Financial Corporation Detroit MI 75.32 68.77 1,338,718 1,015,988 $31.77 46,671,889
183 Arvest Bank Group, Inc. Bentonville AR 76.00 73.77 915,395 841,906 $8.73 19,467,233
184 Amerant Bancorp Inc. Coral Gables FL 77.07 76.94 206,946 212,049 -$2.41 7,985,399
185 Chesapeake Financial Shares, Inc. Kilmarnock VA 77.91 75.27 49,718 45,328 $9.68 958,306
186 MUFG Americas Holdings Corporation New York NY 78.42 77.70 6,180,849 4,301,940 $43.68 170,809,743
187 RBC US Group Holdings LLC Toronto 78.75 77.95 5,911,660 4,998,802 $18.26 139,634,242
188 SMBC Americas Holdings, Inc. New York NY 79.13 NA 703,913 NA NA 22,849,636
189 Live Oak Bancshares, Inc. Wilmington NC 79.55 71.97 164,898 152,637 $8.03 4,814,969
190 Woodforest Financial Group, Inc. The Woodlands TX 79.98 79.56 569,058 541,697 $5.05 6,480,808
191 Hilltop Holdings Inc. Dallas TX 80.74 87.66 1,339,838 1,294,701 $3.49 15,172,448
192 HomeStreet, Inc. Seattle WA 80.78 88.29 214,526 385,067 -$44.29 6,812,435
193 Mizuho Americas LLC New York NY 81.00 89.70 1,296,000 1,149,000 $12.79 43,785,000
194 Bessemer Group, Incorporated New York NY 81.04 76.12 550,203 447,910 $22.84 3,348,010
195 Stifel Financial Corp. Saint Louis MO 81.07 80.84 2,727,914 2,472,152 $10.35 24,610,225
196 Raymond James Financial, Inc. Saint Petersburg FL 81.87 81.31 6,530,907 6,074,343 $7.52 40,153,995
197 Ameriprise Financial, Inc. Minneapolis MN 82.04 NA 10,519,182 NA NA 151,849,645
198 BNP Paribas USA, Inc. New York NY 83.34 71.06 3,554,633 3,824,119 -$7.05 125,300,535
199 United Services Automobile Association San Antonio TX 85.74 88.82 30,323,778 28,395,043 $6.79 173,791,532
200 First American Financial Corporation Santa Ana CA 85.86 87.92 5,252,221 5,098,049 $3.02 11,519,167
Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of May. 21, 2020, are included. *Noninterest expense divided by (total income minus interest expense)

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

© 2019 American Banker

Source: https://www.spglobal.com/en/
Banks, thrifts and holding companies