Most Efficient Bank Holding Companies

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Year to date through Dec. 31, 2018. Dollars in thousands.

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Most Efficient Bank Holding Companies
Efficiency Ratio (YTD)*
Noninterest Expense (YTD)
 Assets
Rank Company City State Dec. 2018 Dec. 2017 Dec. 2018 Dec. 2017 Change Dec. 2018
1 Synchrony Financial Stamford Conn. 29.01 28.64 $4,095,000 $3,747,633 9.3 $106,792,000
2 United National Corporation Sioux Falls S.D. 32.55 33.58 365,088 354,531 3.0 2,984,913
3 ServisFirst Bancshares, Inc. Birmingham Ala. 32.63 35 93,971 85,876 9.4 8,007,382
4 NexBank Capital, Inc. Dallas Tex. 34.14 47.80 75,832 78,556 -3 8,325,752
5 Sterling Bancorp, Inc. Southfield Mich. 34.83 35.22 49,743 40,277 23.5 3,198,519
6 Merchants Bancorp Carmel Ind. 36.21 30.24 50,790 34,635 46.6 3,884,163
7 Eagle Bancorp, Inc. Bethesda Md. 36.90 37.26 126,707 118,050 7 8,389,137
8 Oritani Financial Corp. Township of Washington N.J. 37.11 39.08 42,240 52,055 -18.9 4,090,463
9 Discover Financial Services Riverwoods Ill. 38.11 38.22 4,086,788 3,785,672 8.0 109,552,902
10 Home BancShares, Inc. Conway Ark. 38.38 41.93 262,679 239,080 9.9 15,302,438
11 Lauritzen Corporation Omaha Neb. 38.89 53.41 76,391 73,731 3.6 1,357,692
12 Olney Bancshares of Texas, Inc. Olney Tex. 39.63 45.31 63,189 67,085 -5.8 3,564,274
13 Sterling Bancorp Montebello N.Y. 39.67 63.52 459,520 431,565 6.5 31,395,303
14 Beal Financial Corporation Plano Tex. 39.87 31.63 205,196 161,807 26.8 7,429,465
15 PacWest Bancorp Beverly Hills Calif. 41.49 42.91 519,933 500,750 3.8 25,731,354
16 Silver Queen Financial Services, Inc. Greenwood Village Colo. 41.78 38.04 18,050 15,074 19.7 1,848,477
17 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 42.35 50.24 70,453 78,759 -10.5 5,462,092
18 Prosperity Bancshares, Inc. Houston Tex. 42.60 41.11 324,306 308,401 5.2 22,700,836
19 Western Alliance Bancorporation Phoenix Ariz. 42.68 41.28 425,982 361,167 17.9 23,109,486
20 Axos Financial, Inc. San Diego Calif. 43.28 37.61 199,124 150,352 32.4 9,810,096
21 Industry Bancshares, Inc. Industry Tex. 43.80 38.86 54,231 54,269 0 4,030,092
22 Cathay General Bancorp Los Angeles Calif. 44.00 44.51 265,552 238,160 11.5 16,784,737
23 CVB Financial Corp. Ontario Calif. 44.26 42.93 179,876 140,647 27.9 11,529,153
24 East West Bancorp, Inc. Pasadena Calif. 44.35 45.10 713,184 652,260 9.3 41,042,356
25 Lakeland Financial Corporation Warsaw Ind. 44.41 45.29 86,474 79,251 9.1 4,877,186
26 LegacyTexas Financial Group, Inc. Plano Tex. 44.65 44.71 170,991 159,699 7.1 9,058,408
27 SVB Financial Group Santa Clara Calif. 44.99 51.23 1,191,772 1,017,021 17.2 57,020,489
28 Inwood Bancshares, Inc. Dallas Tex. 45.02 46.23 42,108 40,552 3.8 2,823,757
29 Capitol Federal Financial, Inc. Topeka Kan. 45.26 41.02 102,596 90,256 13.7 9,320,043
30 Bridgewater Bancshares, Inc. Bloomington Minn. 45.78 42.77 31,562 25,496 23.8 1,973,741
31 First Security Bancorp Searcy Ark. 46.00 41.25 134,067 137,431 -2.4 5,412,242
32 Pinnacle Financial Partners, Inc. Nashville Tenn. 46.44 50.65 450,687 365,311 23.4 25,031,044
33 Great Western Bancorp, Inc. Sioux Falls S.D. 46.64 46.45 229,520 217,165 5.7 12,573,641
34 1867 Western Financial Corporation Stockton Calif. 47.32 49.84 68,328 66,526 2.7 3,179,839
35 First Hawaiian, Inc. Honolulu Hawaii 47.42 NA 364,953 NA NA 20,695,678
36 New York Community Bancorp, Inc. Westbury N.Y. 48.42 48.62 546,250 640,554 -14.7 51,899,376
37 Luther Burbank Corporation Santa Rosa Calif. 48.46 47.75 62,544 56,524 10.7 6,937,212
38 First National Bancshares, Inc. East Lansing Mich. 48.71 49.59 48,708 44,640 9 1,846,161
39 Stearns Financial Services, Inc. Saint Cloud Minn. 48.87 39.11 78,083 66,598 17.2 2,217,882
40 First-West Texas Bancshares, Inc. Midland Tex. 49.53 52.40 26,038 23,218 12.1 1,431,414
41 First Financial Bankshares, Inc. Abilene Tex. 49.55 49.34 190,684 173,986 9.6 7,731,854
42 United Bankshares, Inc. Charleston W.Va. 49.60 52.01 366,057 362,791 0.9 19,250,498
43 S&T Bancorp, Inc. Indiana Pa. 50.16 51.27 144,970 147,487 -1.7 7,252,221
44 OFG Bancorp San Juan P.R. 50.17 51.60 200,869 194,043 3.5 6,583,352
45 Amarillo National Bancorp, Inc. Amarillo Tex. 50.20 50.06 98,464 91,357 7.8 4,371,309
46 Enterprise Financial Services Corp Clayton Mo. 50.38 52.68 118,813 115,086 3.2 5,645,662
47 First of Long Island Corporation Glen Head N.Y. 50.43 47.56 59,897 53,512 11.9 4,241,060
48 Washington Federal, Inc. Seattle Wash. 50.45 47.82 269,987 240,607 12.2 16,188,126
49 International Bancshares Corporation Laredo Tex. 50.53 53.75 297,024 294,063 1.0 11,871,953
50 First Merchants Corporation Muncie Ind. 50.55 54.76 219,884 203,009 8.3 9,889,040
51 Hope Bancorp, Inc. Los Angeles Calif. 50.59 48.03 280,925 266,320 5 15,308,146
52 Ida Grove Bancshares, Inc. Ida Grove Iowa 50.77 50.37 29,143 27,235 7.0 1,576,363
53 Southside Bancshares, Inc. Tyler Tex. 50.99 52.57 118,880 106,100 12.0 6,123,494
54 Independent Bank Group, Inc. McKinney Tex. 51.89 55.38 198,638 176,813 12.3 9,849,965
55 Capital One Financial Corporation McLean Va. 51.92 51.24 14,872,444 14,146,724 5.1 372,537,597
56 Veritex Holdings, Inc. Dallas Tex. 52.05 54.92 69,259 42,788 61.9 3,208,550
57 Texas Capital Bancshares, Inc. Dallas Tex. 52.11 53.89 517,110 444,824 16.3 28,258,337
58 Westamerica Bancorporation San Rafael Calif. 52.19 53.96 109,592 110,412 -0.7 5,580,659
59 Provident Financial Services, Inc. Jersey City N.J. 52.29 54.30 192,238 187,759 2.4 9,725,769
60 Community Trust Bancorp, Inc. Pikeville Ky. 52.32 53.23 117,398 109,878 6.8 4,201,616
61 E*TRADE Financial Corporation New York N.Y. 52.54 61.57 1,532,075 1,464,218 4.6 65,003,334
62 Stockman Financial Corporation Miles City Mont. 52.73 51.70 83,584 75,363 10.9 3,663,699
63 Hills Bancorporation Hills Iowa 52.77 53.35 62,517 59,490 5.1 3,042,464
64 Heartland Bancorp, Inc. Bloomington Ill. 52.78 57.01 80,591 83,897 -3.9 2,855,278
65 Chemical Financial Corporation Detroit Mich. 52.82 57.61 421,690 422,124 -0.1 21,498,341
66 Cadence Bancorporation Houston Tex. 53.01 NA 258,057 NA NA 12,730,303
67 Comerica Incorporated Dallas Tex. 53.18 58.64 1,783,782 1,870,781 -4.7 70,906,003
68 Farmers & Merchants Bancorp Lodi Calif. 53.24 53.62 76,624 67,881 12.9 3,439,112
69 FirstBank Holding Company Lakewood Colo. 53.39 52.63 412,298 384,418 7 18,578,162
70 Hometown Community Bancorp, Inc. Morton Ill. 53.50 51.88 78,953 64,260 22.9 3,817,478
71 Meridian Bancorp, Inc. Peabody Mass. 53.53 53.57 95,939 89,198 7.6 6,179,001
72 Washington Trust Bancorp, Inc. Westerly R.I. 53.54 55.01 105,252 103,622 2 5,012,844
73 SNBNY Holdings Limited Gibraltar #N/A 53.91 46.26 140,065 138,546 1.1 8,183,254
74 Valley View Bancshares, Inc. Overland Park Kan. 53.99 53.67 62,788 63,668 -1.4 3,008,010
75 U.S. Bancorp Minneapolis Minn. 54.36 57.89 12,460,000 12,933,000 -3.7 467,374,000
76 Commerce Bancshares, Inc. Kansas City Mo. 54.42 61.82 738,858 775,891 -4.8 25,504,279
77 Sandy Spring Bancorp, Inc. Olney Md. 54.43 56.93 179,422 128,596 39.5 8,243,272
78 M&T Bank Corporation Buffalo N.Y. 54.44 54.62 3,242,320 3,083,963 5.1 120,097,403
79 First Volunteer Corporation Chattanooga Tenn. 54.55 54.67 32,520 30,190 7.7 987,687
80 Charles Schwab Corporation San Francisco Calif. 54.63 57.16 5,569,000 4,951,000 12.5 296,482,000
81 American National Corporation Omaha Neb. 54.85 55.44 83,288 85,235 -2 3,718,477
82 Marlin Business Services Corp. Mount Laurel N.J. 54.94 60.51 64,664 65,182 -0.8 1,182,193
83 Great Southern Bancorp, Inc. Springfield Mo. 54.95 57.81 114,082 115,003 -0.8 4,680,443
84 Simmons First National Corporation Pine Bluff Ark. 54.96 61.65 401,119 320,943 25.0 16,548,240
85 Glacier Bancorp, Inc. Kalispell Mont. 55.00 53.68 318,154 263,562 20.7 12,115,484
86 CTBC Capital Corp. Los Angeles Calif. 55.26 55.65 69,248 62,781 10.3 3,452,768
87 Cullen/Frost Bankers, Inc. San Antonio Tex. 55.31 54.68 776,771 758,923 2.4 32,370,165
88 F.N.B. Corporation Pittsburgh Pa. 55.48 59.66 691,069 679,658 1.7 33,112,625
89 First Bancorp, Inc. Lebanon Va. 55.71 54.51 43,142 40,025 7.8 1,810,942
90 Pacific Premier Bancorp, Inc. Irvine Calif. 55.75 58.17 249,523 167,573 48.9 11,487,387
Popular, Inc. Hato Rey P.R. 55.75 61.11 1,420,000 1,252,000 13.4 47,605,000
92 Heritage Commerce Corp San Jose Calif. 55.77 52.85 75,521 60,738 24.3 3,096,562
93 BTC Financial Corporation Des Moines Iowa 55.87 61.39 104,135 106,692 -2.4 4,526,203
94 Bank of Hawaii Corporation Honolulu Hawaii 55.91 55.76 371,175 358,440 3.6 17,143,974
95 Northfield Bancorp, Inc. Woodbridge N.J. 55.97 55.66 67,043 67,378 -0.5 4,408,432
96 Stock Yards Bancorp, Inc. Louisville Ky. 56.02 60.98 90,246 92,271 -2.2 3,304,303
97 Investors Bancorp, Inc. Short Hills N.J. 56.06 58.24 407,049 418,097 -2.6 26,310,872
98 Dime Community Bancshares, Inc. Brooklyn N.Y. 56.07 49.41 86,640 84,669 2.3 6,320,578
99 Brookline Bancorp, Inc. Boston Mass. 56.08 55.86 155,041 139,003 11.5 7,410,777
100 TrustCo Bank Corp NY Glenville N.Y. 56.09 55.94 103,722 100,148 3.6 4,960,546
101 Fifth Third Bancorp Cincinnati Ohio 56.11 56.54 3,924,855 3,988,674 -1.6 146,069,355
102 First Bancshares, Inc. Merrillville Ind. 56.16 59.13 110,841 101,957 8.7 4,431,257
Lakeland Bancorp, Inc. Oak Ridge N.J. 56.16 54.90 111,167 104,534 6.3 5,808,117
Southern Missouri Bancorp, Inc. Poplar Bluff Mo. 56.16 58.39 47,930 41,806 14.6 2,210,373
105 United Community Banks, Inc. Blairsville Ga. 56.19 58.81 306,756 266,570 15.1 12,576,300
106 First BanCorp. San Juan P.R. 56.21 59.32 356,687 348,818 2.3 12,243,561
107 First Busey Corporation Champaign Ill. 56.25 58.54 193,408 176,016 9.9 7,702,357
108 First Bancorp Southern Pines N.C. 56.30 65.08 159,090 144,970 9.7 5,865,088
109 ANB Corporation Terrell Tex. 56.32 62.00 97,428 85,535 13.9 3,160,365
110 First Community Bankshares, Inc. Bluefield Va. 56.36 57.85 70,302 67,647 3.9 2,244,374
111 TD Group US Holdings LLC Wilmington Del. 56.37 59.56 6,691,231 6,539,999 2.3 389,748,522
112 Republic Bancorp, Inc. Louisville Ky. 56.43 58.40 163,852 150,834 8.6 5,240,404
113 First Financial Bancorp. Cincinnati Ohio 56.53 65.57 321,621 238,665 34.8 13,986,660
114 City Holding Company Cross Lanes W.Va. 56.54 51.23 113,304 95,960 18.1 4,897,935
115 Central Bancompany, Inc. Jefferson City Mo. 56.59 58.84 330,814 327,509 1.0 13,194,170
116 Arrow Financial Corporation Glens Falls N.Y. 56.61 56.96 65,055 62,705 3.7 2,988,334
BancFirst Corporation Oklahoma City Okla. 56.61 57.84 222,053 200,190 10.9 7,574,260
118 Bank of Marin Bancorp Novato Calif. 56.69 62.48 58,266 53,782 8.3 2,520,892
119 First Internet Bancorp Fishers Ind. 56.71 53.50 43,092 36,663 17.5 3,541,692
Hanmi Financial Corporation Los Angeles Calif. 56.71 54.11 117,346 114,339 2.6 5,502,219
121 Southern First Bancshares, Inc. Greenville S.C. 56.75 57.75 40,124 35,072 14.4 1,901,850
122 Pinnacle Bancorp, Inc. Omaha Neb. 56.76 55.89 262,049 242,889 8 10,970,611
123 WesBanco, Inc. Wheeling W.Va. 56.78 55.08 264,327 219,568 20.4 12,475,575
124 Columbia Banking System, Inc. Tacoma Wash. 56.88 57.79 344,080 291,102 18.2 13,095,145
125 Huntington Bancshares Incorporated Columbus Ohio 56.98 60.65 2,647,334 2,701,749 -2.0 108,781,444
126 Citizens Bancorp Investment, Inc. Lafayette Tenn. 57.05 54.77 23,927 21,628 10.6 923,226
127 First National of Nebraska, Inc. Omaha Neb. 57.07 57.27 931,539 883,018 5.5 21,647,511
128 Ambank Company, Inc. Sioux Center Iowa 57.09 57.30 31,218 29,069 7.4 1,265,336
129 Community Bank System, Inc. De Witt N.Y. 57.12 63.17 343,454 344,236 -0.2 10,607,294
130 Camden National Corporation Camden Maine 57.31 55.89 91,947 88,519 3.9 4,297,435
131 First Commonwealth Financial Corporation Indiana Pa. 57.34 63.75 194,380 198,463 -2.1 7,828,255
132 JPMorgan Chase & Co. New York N.Y. 57.53 57.97 63,447,000 58,948,000 7.6 2,622,532,000
133 IBERIABANK Corporation Lafayette La. 57.58 64.50 727,446 679,375 7.1 30,833,015
134 215 Holding Company Minneapolis Minn. 57.65 63.77 19,870 19,986 -0.6 756,717
Bank of America Corporation Charlotte N.C. 57.65 61.59 53,452,000 54,776,000 -2.4 2,354,980,000
136 Independent Bank Corp. Rockland Mass. 57.67 58.83 227,239 206,355 10.1 8,853,863
137 Discount Bancorp, Inc. New York N.Y. 57.70 53.65 182,151 152,768 19.2 9,229,216
138 Premier Financial Bancorp, Inc. Huntington W.Va. 57.76 58.46 40,897 39,356 3.9 1,690,115
139 Bancorp, Inc. Wilmington Del. 57.79 78.69 172,132 158,849 8.4 4,437,911
140 Synovus Financial Corp. Columbus Ga. 57.80 59.49 826,001 808,598 2.2 32,669,192
141 Citigroup Inc. New York N.Y. 57.81 57.90 42,913,000 42,373,000 1.3 1,917,383,000
142 BOU Bancorp, Inc. Ogden Utah 57.90 57.69 43,444 38,268 13.5 1,425,023
143 CenterState Bank Corporation Winter Haven Fla. 57.97 59.49 311,113 186,183 67.1 12,337,588
Nicolet Bankshares, Inc. Green Bay Wis. 57.97 56.97 89,758 81,356 10.3 3,098,298
Santander Holdings USA, Inc. Boston Mass. 57.97 59.30 5,818,874 5,771,251 0.8 135,634,285
146 CBTX, Inc. Houston Tex. 58.09 61.87 82,377 78,825 4.5 3,280,711
147 BB&T Corporation Winston-Salem N.C. 58.11 63.68 6,896,000 7,447,000 -7.4 225,697,000
148 WSFS Financial Corporation Wilmington Del. 58.13 64.43 235,285 226,721 3.8 7,248,870
149 First Financial Corporation Terre Haute Ind. 58.15 58.97 91,154 88,346 3.2 3,009,730
150 BCI Financial Group, Inc. Miami Fla. 58.28 47.28 254,067 148,761 70.8 14,332,955
151 Red River Bancshares, Inc. Alexandria La. 58.31 62.25 44,695 41,721 7.1 1,860,588
152 Apple Financial Holdings, Inc. New York N.Y. 58.46 61.04 201,204 174,932 15.0 14,307,254
153 Old Line Bancshares, Inc. Bowie Md. 58.56 60.70 62,672 44,481 40.9 2,950,007
154 Webster Financial Corporation Waterbury Conn. 58.59 61.27 706,272 661,836 6.7 27,630,529
155 First Mid Bancshares, Inc. Mattoon Ill. 58.62 57.05 90,355 74,056 22.0 3,839,734
156 Citizens Financial Group, Inc. Providence R.I. 59.02 60.84 3,623,057 3,492,255 3.7 161,004,687
Wilson Bank Holding Company Lebanon Tenn. 59.02 57.11 69,080 60,390 14.4 2,525,693
158 Farmers & Merchants Investment, Inc. Lincoln Neb. 59.11 65.54 141,064 136,637 3.2 4,209,594
PNC Financial Services Group, Inc. Pittsburgh Pa. 59.11 62.26 10,283,796 10,383,710 -1.0 382,334,643
160 Hancock Whitney Corporation Gulfport Miss. 59.15 61.54 719,749 697,008 3.3 28,244,914
161 Franklin Financial Network, Inc. Franklin Tenn. 59.23 51.80 73,478 60,824 20.8 4,246,389
162 First Defiance Financial Corp. Defiance Ohio 59.25 60.86 88,847 85,278 4.2 3,182,376
163 Horizon Bancorp, Inc. Michigan City Ind. 59.32 62.05 102,516 94,813 8.1 4,246,688
164 Century Bancorp, Inc. Medford Mass. 59.35 57.77 69,580 67,017 3.8 5,163,935
165 NBT Bancorp Inc. Norwich N.Y. 59.42 59.45 264,978 245,908 7.8 9,556,363
166 People's United Financial, Inc. Bridgeport Conn. 59.43 61.07 994,366 957,241 3.9 47,833,478
167 Umpqua Holdings Corporation Portland Ore. 59.68 64.80 735,499 747,403 -1.6 26,939,781
168 Bank Leumi Le-Israel Corporation New York N.Y. 59.70 62.87 176,511 171,533 2.9 7,080,215
169 German American Bancorp, Inc. Jasper Ind. 59.72 56.38 93,553 77,803 20.2 3,929,766
170 Carolina Financial Corporation Charleston S.C. 59.82 61.12 108,666 71,705 51.5 3,793,253
171 1st Source Corporation South Bend Ind. 59.84 61.80 187,411 175,312 6.9 6,293,749
172 Midland Financial Co. Oklahoma City Okla. 59.95 62.50 405,993 401,483 1.1 17,253,182
173 Bryn Mawr Bank Corporation Bryn Mawr Pa. 60.08 63.60 137,970 113,453 21.6 4,652,485
174 Ameris Bancorp Moultrie Ga. 60.13 62.13 285,215 239,718 19.0 11,443,515
175 Seacoast Banking Corporation of Florida Stuart Fla. 60.22 62.39 162,659 150,992 7.7 6,747,658
176 KeyCorp Cleveland Ohio 60.25 63.37 3,972,823 4,078,798 -2.6 140,037,790
177 Atlantic Union Bankshares Corporation Richmond Va. 60.26 63.14 337,612 234,430 44.0 13,765,293
178 Salem Five Bancorp Salem Mass. 60.27 63.83 108,772 106,927 1.7 5,012,263
179 CIBC Bancorp USA Inc. Chicago Ill. 60.35 74.29 940,695 678,386 38.7 41,236,258
180 American Bancor, Ltd. Dickinson N.D. 60.38 61.64 52,506 51,729 1.5 1,837,814
Financial Institutions, Inc. Warsaw N.Y. 60.38 58.71 100,462 90,145 11.4 4,311,698
182 American National Bankshares Inc. Danville Va. 60.39 59.98 44,202 42,719 3.5 1,862,866
183 Mercantile Bank Corporation Grand Rapids Mich. 60.52 60.10 86,279 79,716 8.2 3,363,907
184 First Interstate BancSystem, Inc. Billings Mont. 60.53 64.13 353,250 323,712 9.1 13,297,831
185 Heartland BancCorp Whitehall Ohio 60.63 58.53 25,904 21,649 19.7 1,047,426
186 First Bankers Trustshares, Inc. Quincy Ill. 60.72 67.52 27,394 29,837 -8.2 930,044
187 Peapack-Gladstone Financial Corporation Bedminster N.J. 60.80 58.30 98,086 85,611 14.6 4,617,858
188 TriState Capital Holdings, Inc. Pittsburgh Pa. 61.12 65 101,157 91,472 10.6 6,035,655
189 Univest Financial Corporation Souderton Pa. 61.14 61.48 137,239 130,713 5.0 4,984,347
190 Hometown Financial Group MHC Easthampton Mass. 61.19 61.20 48,225 46,605 3.5 2,156,458
Valley National Bancorp Wayne N.J. 61.19 64.21 629,829 511,552 23.1 31,863,088
192 First Midwest Bancorp, Inc. Chicago Ill. 61.20 63.24 411,975 415,450 -0.8 15,505,649
193 Bar Harbor Bankshares Bar Harbor Maine 61.24 59.06 75,117 72,250 4.0 3,608,487
194 Canandaigua National Corporation Canandaigua N.Y. 61.33 63.34 91,844 82,217 11.7 2,862,493
195 Cambridge Financial Group, Inc. Cambridge Mass. 61.35 62.32 76,707 73,942 3.7 3,883,772
196 Alpine Banks of Colorado Glenwood Springs Colo. 61.43 62.17 113,255 102,633 10.3 3,709,954
197 Regions Financial Corporation Birmingham Ala. 61.47 63.10 3,638,212 3,712,087 -2.0 125,767,146
198 BankUnited, Inc. Miami Lakes Fla. 61.51 56.78 738,391 633,963 16.5 32,164,326
Tompkins Financial Corporation Ithaca N.Y. 61.51 61.46 181,067 171,105 5.8 6,758,436
200 Flushing Financial Corporation Uniondale N.Y. 61.61 57.59 111,021 106,676 4.1 6,834,176
Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of May. 23, 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
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