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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

August 12, 2019, 10:32 a.m. EDT 1 Min Read

Year to date through Mar. 31, 2019. Dollars in thousands.

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Most Efficient Bank Holding Companies
Rank Company City State

Efficiency Ratio (YTD)*

Noninterest Expense (YTD)

  Assets
Mar. 2019 Mar. 2018 Mar. 2019 Mar. 2018 Change Mar. 2019
1 State Bankshares, Inc. Fargo N.D. 13.11 75.32 $55,141 $70,244 -21.5 $6,115,008
2 Synchrony Financial Stamford Conn. 28.92 29.17 1,042,000 988,258 5.4 105,384,000
3 Lauritzen Corporation Omaha Neb. 30.99 34 16,887 15,023 12.4 1,379,929
4 United National Corporation Sioux Falls S.D. 31.15 31.73 95,341 89,498 7 3,059,600
5 ServisFirst Bancshares, Inc. Birmingham Ala. 34.34 34.36 25,326 23,512 7.7 8,310,836
6 Discover Financial Services Riverwoods Ill. 36.98 37.67 1,021,191 971,984 5.1 110,720,477
7 Oritani Financial Corp. Township of Washington N.J. 37.75 34.95 9,687 9,762 -1 4,075,128
8 Sterling Bancorp, Inc. Southfield Mich. 37.90 32.90 12,972 11,343 14.4 3,257,326
9 CVB Financial Corp. Ontario Calif. 38.59 42.41 51,586 35,944 43.5 11,304,957
10 Home BancShares, Inc. Conway Ark. 40.00 37.76 69,057 63,086 9.5 15,179,501
11 Sterling Bancorp Montebello N.Y. 40.71 40.33 116,094 112,065 3.6 30,026,755
12 Prosperity Bancshares, Inc. Houston Tex. 41.94 42.93 78,363 79,499 -1.4 22,362,841
13 Western Alliance Bancorporation Phoenix Ariz. 42.30 42.34 112,894 99,482 13.5 23,792,846
14 PacWest Bancorp Beverly Hills Calif. 42.34 42.85 126,445 131,554 -3.9 26,324,138
15 First National Bancshares, Inc. East Lansing Mich. 42.57 42.05 11,420 10,163 12.4 2,005,152
16 Bridgewater Bancshares, Inc. Bloomington Minn. 43.46 42.11 7,885 6,532 20.7 2,048,111
17 Eagle Bancorp, Inc. Bethesda Md. 43.86 37.86 38,290 31,121 23.0 8,388,406
18 Valley National Bancorp Wayne N.J. 43.99 70.09 148,820 174,050 -14.5 32,476,991
19 1867 Western Financial Corporation Stockton Calif. 44.46 49.17 16,141 16,044 0.6 3,188,509
20 Lakeland Financial Corporation Warsaw Ind. 44.75 45.57 22,471 21,199 6.0 4,894,792
21 Capitol Federal Financial, Inc. Topeka Kan. 45.17 42.66 26,994 23,628 14 9,551,126
22 Great Western Bancorp, Inc. Sioux Falls S.D. 45.45 48.25 56,185 58,422 -3.8 12,830,162
23 Republic Bancorp, Inc. Louisville Ky. 45.55 45.24 45,508 43,322 5.0 5,365,768
24 SVB Financial Group Santa Clara Calif. 45.70 46.19 368,394 266,393 38.3 60,269,321
25 BCI Financial Group, Inc. Miami Fla. 45.74 51.77 61,989 44,877 38.1 14,790,073
26 Pinnacle Financial Partners, Inc. Nashville Tenn. 45.85 47.61 113,566 109,270 3.9 25,557,858
27 Olney Bancshares of Texas, Inc. Olney Tex. 46.06 38.98 17,791 14,923 19.2 3,557,803
28 Industry Bancshares, Inc. Industry Tex. 46.16 37.51 14,441 13,461 7.3 4,210,474
29 Cathay General Bancorp Los Angeles Calif. 46.36 42.17 70,424 61,306 14.9 17,119,092
30 Merchants Bancorp Carmel Ind. 46.45 32.47 12,998 10,251 26.8 3,976,725
31 East West Bancorp, Inc. Pasadena Calif. 46.49 42.12 188,139 170,119 10.6 42,091,433
32 Apple Financial Holdings, Inc. New York N.Y. 46.80 61.79 41,774 48,751 -14.3 14,335,163
33 NexBank Capital, Inc. Dallas Tex. 46.93 24.05 18,595 19,351 -3.9 8,244,382
34 First-West Texas Bancshares, Inc. Midland Tex. 47.25 54.49 6,339 6,301 0.6 1,378,811
35 First Hawaiian, Inc. Honolulu Hawaii 47.55 NA 92,623 NA #VALUE! 20,441,136
36 BOU Bancorp, Inc. Ogden Utah 47.77 60.60 11,100 10,534 5.4 1,412,529
37 Amboy Bancorporation Old Bridge N.J. 48.12 53.12 11,271 11,741 -4.0 2,265,134
38 E*TRADE Financial Corporation New York N.Y. 48.15 55.29 373,318 395,278 -6 67,517,898
39 LegacyTexas Financial Group, Inc. Plano Tex. 48.54 47.76 44,266 43,908 0.8 9,349,828
40 Westamerica Bancorporation San Rafael Calif. 48.65 52.28 25,824 26,664 -3.2 5,568,883
41 Luther Burbank Corporation Santa Rosa Calif. 48.76 46.72 16,254 14,713 10.5 6,992,016
42 First Security Bancorp Searcy Ark. 48.99 41.91 33,920 32,787 3.5 5,578,836
43 First Financial Bankshares, Inc. Abilene Tex. 49.21 51.99 47,367 47,796 -0.9 7,945,895
44 Stearns Financial Services, Inc. Saint Cloud Minn. 49.22 36.71 21,425 15,466 38.5 2,216,748
45 Pacific Premier Bancorp, Inc. Irvine Calif. 49.24 53.16 63,045 49,688 26.9 11,580,495
46 United Bankshares, Inc. Charleston W.Va. 49.40 49.79 88,570 89,746 -1.3 19,645,133
47 Washington Federal, Inc. Seattle Wash. 49.75 49.69 66,882 64,770 3.3 16,435,208
48 International Bancshares Corporation Laredo Tex. 49.82 48.25 73,541 67,738 8.6 12,027,705
49 Fifth Third Bancorp Cincinnati Ohio 50.09 54.47 1,090,200 1,044,164 4.4 167,853,328
50 Community Trust Bancorp, Inc. Pikeville Ky. 50.21 52.72 29,083 28,681 1.4 4,313,293
OFG Bancorp San Juan P.R. 50.21 54.58 50,641 50,655 0 6,603,191
52 First Financial Bancorp. Cincinnati Ohio 50.80 55.63 77,864 52,257 49.0 14,074,263
53 IBERIABANK Corporation Lafayette La. 50.81 65.60 159,369 189,037 -15.7 31,260,189
54 Comerica Incorporated Dallas Tex. 50.82 56.09 433,000 445,883 -2.9 70,796,000
55 Texas Capital Bancshares, Inc. Dallas Tex. 50.88 54.01 133,006 123,176 8.0 28,383,179
56 Inwood Bancshares, Inc. Dallas Tex. 50.94 49.57 11,948 11,321 5.5 2,829,225
57 Axos Financial, Inc. San Diego Calif. 51.02 32.39 80,928 45,582 77.5 10,875,561
58 Old Line Bancshares, Inc. Bowie Md. 51.28 53.77 14,184 10,954 29.5 3,077,246
59 Sandy Spring Bancorp, Inc. Olney Md. 51.34 60.59 44,026 49,639 -11.3 8,327,900
60 Heartland Bancorp, Inc. Bloomington Ill. 51.41 52.96 22,212 19,925 11.5 3,257,667
61 Heritage Commerce Corp San Jose Calif. 51.59 55.06 17,918 15,990 12.1 3,115,877
62 City Holding Company Cross Lanes W.Va. 51.65 52.54 29,419 24,765 18.8 4,917,199
63 Amarillo National Bancorp, Inc. Amarillo Tex. 51.70 51.73 28,636 24,025 19.2 5,313,222
64 First Merchants Corporation Muncie Ind. 51.78 51.41 55,516 53,027 4.7 10,214,189
65 Capital One Financial Corporation McLean Va. 51.92 51.01 3,678,339 3,564,400 3.2 373,191,353
66 Hometown Community Bancorp, Inc. Morton Ill. 52.68 57.00 18,901 19,426 -2.7 3,784,802
67 Ida Grove Bancshares, Inc. Ida Grove Iowa 52.74 51.87 7,704 7,124 8.1 1,612,292
68 First of Long Island Corporation Glen Head N.Y. 52.78 50.64 15,135 14,868 1.8 4,222,676
Valley View Bancshares, Inc. Overland Park Kan. 52.78 54.02 15,034 15,711 -4 3,029,359
70 First BanCorp. San Juan P.R. 52.88 56.56 89,323 88,545 0.9 12,376,780
71 CIBC Bancorp USA Inc. Chicago Ill. 53.05 63.32 232,943 238,676 -2.4 42,533,687
72 S&T Bancorp, Inc. Indiana Pa. 53.07 49.84 38,917 35,817 9 7,229,262
73 Washington Trust Bancorp, Inc. Westerly R.I. 53.20 56.15 27,009 27,129 -0.4 5,156,042
74 Charles Schwab Corporation San Francisco Calif. 53.48 57.20 1,466,000 1,377,000 6.5 282,815,000
New York Community Bancorp, Inc. Westbury N.Y. 53.48 47.15 138,765 138,691 0.1 52,131,045
76 Cadence Bancorporation Houston Tex. 53.60 NA 112,657 NA #VALUE! 17,452,911
77 Great Southern Bancorp, Inc. Springfield Mo. 53.69 59.49 28,416 28,189 0.8 4,781,493
78 Popular, Inc. Hato Rey P.R. 53.76 59.52 352,000 324,000 8.6 48,681,000
79 Independent Bank Corp. Rockland Mass. 53.88 59.15 56,864 53,995 5.3 8,999,381
80 SNBNY Holdings Limited Gibraltar #N/A 53.89 40.81 36,189 34,253 5.7 7,597,662
81 United Community Banks, Inc. Blairsville Ga. 53.95 56.41 75,226 73,508 2 12,508,442
82 Ambank Company, Inc. Sioux Center Iowa 54.10 54.05 7,270 7,260 0.1 1,268,676
83 Southside Bancshares, Inc. Tyler Tex. 54.13 53.09 29,614 31,454 -5.8 6,217,196
84 Provident Financial Services, Inc. Jersey City N.J. 54.14 52.88 48,386 47,068 2.8 9,802,614
85 F.N.B. Corporation Pittsburgh Pa. 54.20 56.26 165,931 170,518 -2.7 33,720,778
86 First Volunteer Corporation Chattanooga Tenn. 54.25 55.81 8,326 7,898 5.4 1,000,161
87 First Community Bankshares, Inc. Bluefield Va. 54.31 57.60 16,849 17,442 -3.4 2,242,334
88 Premier Financial Bancorp, Inc. Huntington W.Va. 54.41 55.36 10,612 10,055 5.5 1,728,465
89 Ameris Bancorp Moultrie Ga. 54.56 59.67 73,910 57,487 28.6 11,656,275
90 U.S. Bancorp Minneapolis Minn. 54.57 55.38 3,082,000 3,069,000 0.4 475,775,000
91 Hills Bancorporation Hills Iowa 54.60 53.69 16,193 15,527 4.3 3,227,865
92 Camden National Corporation Camden Maine 54.73 58.53 22,760 22,307 2.0 4,421,189
Cullen/Frost Bankers, Inc. San Antonio Tex. 54.73 56.99 201,576 196,193 2.7 31,717,729
94 Bank of Hawaii Corporation Honolulu Hawaii 54.76 57.45 93,554 94,125 -0.6 17,446,413
95 Hope Bancorp, Inc. Los Angeles Calif. 54.77 50.08 72,089 69,573 3.6 15,398,789
96 Brookline Bancorp, Inc. Boston Mass. 55.06 61.03 38,677 39,854 -3.0 7,545,845
97 Glacier Bancorp, Inc. Kalispell Mont. 55.12 61.13 82,372 84,416 -2.4 12,073,779
98 TD Group US Holdings LLC Wilmington Del. 55.19 59.15 1,717,693 1,639,318 4.8 384,066,907
99 First Internet Bancorp Fishers Ind. 55.21 54.00 11,058 10,335 7.0 3,670,176
100 CTBC Capital Corp. Los Angeles Calif. 55.44 53.59 17,534 15,783 11.1 3,522,060
101 First Bancorp Southern Pines N.C. 55.45 62.71 39,198 43,515 -9.9 6,051,284
102 Farmers & Merchants Bancorp Lodi Calif. 55.62 58.93 23,108 19,850 16.4 3,396,127
103 BankUnited, Inc. Miami Lakes Fla. 55.63 57.48 126,066 161,506 -21.9 32,702,976
104 Stockman Financial Corporation Miles City Mont. 55.67 54.06 21,862 19,944 9.6 3,677,473
105 First Bancshares, Inc. Merrillville Ind. 55.76 57.04 28,602 25,855 10.6 4,512,190
106 Carolina Financial Corporation Charleston S.C. 55.87 84.59 25,030 36,600 -31.6 3,842,521
107 Webster Financial Corporation Waterbury Conn. 55.97 59.86 176,095 171,698 2.6 28,256,431
108 BancFirst Corporation Oklahoma City Okla. 56.07 58.96 56,704 55,883 1.5 7,709,349
109 Central Bancompany, Inc. Jefferson City Mo. 56.11 57.12 83,741 80,008 4.7 13,410,897
110 Huntington Bancshares Incorporated Columbus Ohio 56.19 56.63 658,202 632,318 4.1 108,203,287
111 Bridge Bancorp, Inc. Bridgehampton N.Y. 56.39 57.55 22,563 22,566 0.0 4,674,627
112 Stock Yards Bancorp, Inc. Louisville Ky. 56.44 55.18 23,591 21,380 10.3 3,283,637
113 JPMorgan Chase & Co. New York N.Y. 56.53 57.66 16,643,000 16,160,000 3.0 2,737,188,000
114 German American Bancorp, Inc. Jasper Ind. 56.58 57.07 26,759 20,455 30.8 3,896,766
115 CenterState Bank Corporation Winter Haven Fla. 56.62 61.57 84,148 74,489 13.0 12,587,637
Seacoast Banking Corporation of Florida Stuart Fla. 56.62 58.17 43,312 37,255 16.3 6,783,389
117 FirstBank Holding Company Lakewood Colo. 56.64 55.42 112,092 105,227 6.5 19,104,821
118 Hanmi Financial Corporation Los Angeles Calif. 56.69 57.31 28,322 29,702 -4.6 5,571,068
119 First National of Nebraska, Inc. Omaha Neb. 56.79 55.94 227,620 224,265 1.5 21,724,095
120 First Midwest Bancorp, Inc. Chicago Ill. 56.91 60.36 101,598 95,321 6.6 15,817,769
121 First Mid Bancshares, Inc. Mattoon Ill. 57.00 57.48 28,444 18,430 54.3 3,897,996
122 Discount Bancorp, Inc. New York N.Y. 57.03 53.21 47,129 41,457 14 9,458,533
123 WesBanco, Inc. Wheeling W.Va. 57.10 54.07 75,358 54,372 38.6 12,607,887
124 Bank of America Corporation Charlotte N.C. 57.15 59.10 13,276,000 13,948,000 -4.8 2,377,362,000
M&T Bank Corporation Buffalo N.Y. 57.15 63.68 879,533 921,486 -4.6 120,025,205
126 Columbia Banking System, Inc. Tacoma Wash. 57.17 58.90 85,756 87,503 -2.0 13,064,436
127 Civista Bancshares, Inc. Sandusky Ohio 57.18 59.15 16,449 12,206 34.8 2,277,702
128 Southern Missouri Bancorp, Inc. Poplar Bluff Mo. 57.28 59.94 13,366 12,122 10.3 2,181,346
129 Citigroup Inc. New York N.Y. 57.30 59.06 10,732,000 11,270,000 -4.8 1,958,413,000
130 Mercantile Bank Corporation Grand Rapids Mich. 57.32 59.50 21,860 21,139 3.4 3,551,754
Salem Five Bancorp Salem Mass. 57.32 59.07 26,422 25,927 1.9 5,025,554
132 Southern First Bancshares, Inc. Greenville S.C. 57.39 56.18 10,993 9,307 18.1 2,021,000
133 Meridian Bancorp, Inc. Peabody Mass. 57.40 57.31 26,014 25,033 3.9 6,281,628
134 Renasant Corporation Tupelo Miss. 57.41 61.15 88,093 77,944 13.0 12,862,395
135 TrustCo Bank Corp NY Glenville N.Y. 57.57 56.34 26,459 25,604 3.3 5,155,247
136 First Bancorp, Inc. Lebanon Va. 57.63 59.61 11,271 11,028 2.2 1,862,726
137 First Commonwealth Financial Corporation Indiana Pa. 57.73 57.96 49,644 46,681 6.3 7,972,673
138 1st Source Corporation South Bend Ind. 57.83 60.81 46,716 45,630 2.4 6,379,547
139 Midland Financial Co. Oklahoma City Okla. 57.86 59.38 107,873 104,232 3.5 19,356,953
140 215 Holding Company Minneapolis Minn. 57.97 58.98 5,002 4,740 5.5 743,208
141 TriCo Bancshares Chico Calif. 57.99 65.93 45,512 38,162 19.3 6,471,852
142 First Busey Corporation Champaign Ill. 58.01 59.67 57,131 51,049 11.9 9,537,334
143 Wilson Bank Holding Company Lebanon Tenn. 58.03 58.04 17,417 16,049 8.5 2,665,279
144 Hancock Whitney Corporation Gulfport Miss. 58.11 59.89 175,759 170,888 2.9 28,499,484
145 American National Corporation Omaha Neb. 58.24 59.16 21,269 21,471 -0.9 3,741,600
146 Pinnacle Bancorp, Inc. Omaha Neb. 58.39 57.18 66,085 64,228 2.9 11,278,499
147 BTC Financial Corporation Des Moines Iowa 58.47 59.59 27,326 26,630 2.6 4,585,744
148 Regions Financial Corporation Birmingham Ala. 58.49 62.19 872,000 901,157 -3.2 129,089,000
149 Citizens Financial Group, Inc. Providence R.I. 58.54 60.35 930,419 880,494 5.7 161,724,204
150 Commerce Bancshares, Inc. Kansas City Mo. 58.55 56.82 191,182 182,140 5.0 25,050,001
151 Simmons First National Corporation Pine Bluff Ark. 58.56 55.44 102,803 99,815 3.0 16,096,427
152 Community Bank System, Inc. De Witt N.Y. 58.57 57.03 88,131 85,934 2.6 10,916,467
153 Arrow Financial Corporation Glens Falls N.Y. 58.61 57.23 16,652 15,956 4.4 2,984,883
154 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 58.74 41.90 28,062 16,938 65.7 6,048,976
155 Dime Community Bancshares, Inc. Brooklyn N.Y. 58.76 54.41 21,999 21,675 1.5 6,475,302
156 Meta Financial Group, Inc. Sioux Falls S.D. 59.04 51.47 111,449 69,244 61.0 6,050,060
157 Nicolet Bankshares, Inc. Green Bay Wis. 59.05 59.58 22,759 22,642 0.5 3,041,091
158 Investors Bancorp, Inc. Short Hills N.J. 59.11 55.34 103,255 100,968 2.3 26,614,380
159 Red River Bancshares, Inc. Alexandria La. 59.21 59.87 11,546 10,605 8.9 1,922,118
160 BB&T Corporation Winston-Salem N.C. 59.33 57.99 1,771,000 1,680,000 5.4 227,683,000
PNC Financial Services Group, Inc. Pittsburgh Pa. 59.33 60.37 2,571,015 2,522,682 1.9 392,853,923
162 American National Bankshares Inc. Danville Va. 59.40 59.34 10,931 10,707 2.1 1,868,404
163 Bank of Marin Bancorp Novato Calif. 59.53 65.26 15,528 16,081 -3.4 2,534,076
164 Santander Holdings USA, Inc. Boston Mass. 59.60 59.11 1,539,474 1,422,671 8.2 138,959,382
165 Umpqua Holdings Corporation Portland Ore. 59.82 60.81 171,634 185,665 -7.6 27,355,625
166 Central Pacific Financial Corp. Honolulu Hawaii 59.91 63.13 34,273 33,259 3.0 5,841,352
167 Independent Bank Group, Inc. McKinney Tex. 59.95 51.75 86,670 44,958 92.8 14,145,383
168 Bank Leumi Le-Israel Corporation New York N.Y. 60.01 59.98 44,225 42,738 3.5 6,974,466
169 Financial Institutions, Inc. Warsaw N.Y. 60.10 61.01 25,056 24,006 4.4 4,302,541
Univest Financial Corporation Souderton Pa. 60.10 64.52 35,557 35,125 1.2 5,035,527
171 Century Bancorp, Inc. Medford Mass. 60.21 63.07 18,111 17,966 0.8 5,306,066
172 Old National Bancorp Evansville Ind. 60.27 65.91 123,067 117,631 4.6 20,084,448
173 NBT Bancorp Inc. Norwich N.Y. 60.29 60.28 68,485 64,355 6.4 9,533,510
174 Canandaigua National Corporation Canandaigua N.Y. 60.31 60.17 22,347 20,480 9.1 2,944,912
175 First Interstate BancSystem, Inc. Billings Mont. 60.35 61.22 92,779 84,305 10.1 13,493,568
176 CBTX, Inc. Houston Tex. 60.46 61.61 22,644 20,447 10.7 3,284,317
177 CrossFirst Bankshares, Inc. Leawood Kan. 60.47 80.44 22,631 20,157 12.3 4,266,369
178 Cambridge Financial Group, Inc. Cambridge Mass. 60.55 63.68 20,129 19,484 3.3 3,967,801
179 Synovus Financial Corp. Columbus Ga. 60.58 56.96 292,173 194,279 50.4 46,630,026
180 Heritage Financial Corporation Olympia Wash. 60.63 73.12 36,482 36,713 -0.6 5,342,099
181 Peapack-Gladstone Financial Corporation Bedminster N.J. 60.79 59.74 25,715 23,337 10.2 4,662,306
182 EB Acquisition Company, LLC Dallas Tex. 60.91 63.67 48,498 44,511 9.0 6,045,496
183 Tompkins Financial Corporation Ithaca N.Y. 61.06 61.07 44,209 43,721 1.1 6,738,719
184 CNB Financial Corporation Clearfield Pa. 61.18 64.46 21,175 18,999 11.5 3,287,324
185 TriState Capital Holdings, Inc. Pittsburgh Pa. 61.26 62.58 26,671 23,850 11.8 6,344,010
186 Columbia Bank MHC Fair Lawn N.J. 61.27 59.65 29,358 25,832 13.6 6,817,759
187 KeyCorp Cleveland Ohio 61.42 63.11 959,468 1,009,492 -5.0 141,953,655
188 Wintrust Financial Corporation Rosemont Ill. 61.47 62 214,221 191,949 11.6 32,348,753
189 BBVA USA Bancshares, Inc. Houston Tex. 61.52 62.85 580,509 563,348 3.0 93,842,586
190 Citizens Bancorp Investment, Inc. Lafayette Tenn. 61.59 56.29 6,474 5,711 13.4 928,696
191 South State Corporation Columbia S.C. 61.82 65.23 101,061 116,155 -13.0 15,406,887
192 Associated Banc-Corp Green Bay Wis. 61.87 69.58 193,386 212,302 -8.9 33,700,866
193 First Bankers Trustshares, Inc. Quincy Ill. 61.88 62.82 7,196 7,082 1.6 921,021
194 Hawthorn Bancshares, Inc. Jefferson City Mo. 61.93 78.23 9,847 10,270 -4.1 1,538,311
195 Alpine Banks of Colorado Glenwood Springs Colo. 62.00 64.00 30,566 27,930 9.4 3,728,707
People's United Financial, Inc. Bridgeport Conn. 62.00 60.86 274,120 244,768 12.0 48,095,076
197 Allegiance Bancshares, Inc. Houston Tex. 62.06 64.04 31,115 18,717 66.2 4,767,996
198 Ally Financial Inc. Detroit Mich. 62.10 64.54 1,091,000 1,104,000 -1.2 180,117,000
199 Kearny Financial Corp. Fairfield N.J. 62.16 73.04 26,772 22,543 18.8 6,658,751
200 First Defiance Financial Corp. Defiance Ohio 62.20 61.97 24,593 22,706 8.3 3,221,249

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of August 9, 2019, 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