Most Efficient Bank Holding Companies

October 17, 2022, 3:29 p.m. EDT 1 Min Read

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Most Efficient Bank Holding Companies

rank	Company	City	State	Efficiency Ratio (YTD)* Mar. 2021	Efficiency Ratio (YTD)* Mar. 2020	Noninterest Expense (YTD) Mar. 2021 ($000)	Noninterest Expense (YTD) Mar. 2020 ($000)	Noninterest Expense (YTD) Change %	Assets Mar. 2021 ($000)
1	Luther Burbank Corporation	Santa Rosa	Calif.	27.66	33.54	$13,327	$13,878	-3.97	$7,530,516
2	Merchants Bancorp	Carmel	Ind.	29.52	28.82	32,956	28,182	16.94	11,086,055
3	First Security Bancorp	Searcy	Ark.	30.82	42.93	20,897	38,811	-46.16	8,193,610
4	ServisFirst Bancshares, Inc.	Birmingham	Ala.	31.06	29.45	40,074	30,319	32.17	14,494,317
5	Beal Financial Corporation	Plano	Tex.	33.67	201.45	214,508	87,537	145.05	17,629,175
6	NexBank Capital, Inc.	Dallas	Tex.	34.40	45.90	23,031	19,261	19.57	13,321,645
7	Synchrony Financial	Stamford	Conn.	34.42	36.47	1,083,000	949,000	14.12	95,200,000
8	East West Bancorp, Inc.	Pasadena	Calif.	35.49	42.39	196,457	189,151	3.86	62,394,283
9	CVB Financial Corp.	Ontario	Calif.	35.51	38.96	50,824	47,539	6.91	16,759,993
10	New York Community Bancorp, Inc.	Hicksville	N.Y.	36.67	40.16	138,804	139,632	-0.59	63,093,283
11	Discover Financial Services	Riverwoods	Ill.	37.30	42.98	1,216,084	1,227,367	-0.92	114,600,315
12	Industry Bancshares, Inc.	Industry	Tex.	37.32	N.A.	17,081	15,737	8.54	4,999,356
13	Silvergate Capital Corporation	La Jolla	Calif.	38.21	N.A.	30,552	N.A.	#VALUE!	15,900,494
14	Cathay General Bancorp	Los Angeles	Calif.	38.69	42.95	74,002	69,366	6.68	21,235,553
15	Live Oak Bancshares, Inc.	Wilmington	N.C.	38.76	N.A.	80,833	57,681	40.14	9,120,897
16	ConnectOne Bancorp, Inc.	Englewood Cliffs	N.J.	39.13	38.05	31,703	26,259	20.73	8,841,506
17	BCI Financial Group, Inc.	Miami	Fla.	39.93	41.14	83,543	70,527	18.46	23,184,783
18	Western Alliance Bancorporation	Phoenix	Ariz.	41.69	47.64	269,220	246,346	9.29	66,055,336
19	Customers Bancorp, Inc.	West Reading	Pa.	41.72	46.42	75,595	70,735	6.87	20,263,646
20	Prosperity Bancshares, Inc.	Houston	Tex.	41.86	40.20	122,234	116,676	4.76	37,419,778
21	First Financial Bankshares, Inc.	Abilene	Tex.	41.98	45.67	58,333	59,374	-1.75	13,260,212
22	Metropolitan Bank Holding Corp.	New York	N.Y.	42.11	N.A.	26,268	21,687	21.12	6,867,042
23	Westamerica Bancorporation	San Rafael	Calif.	42.12	44.34	25,334	24,977	1.43	7,230,893
24	Sandy Spring Bancorp, Inc.	Olney	Md.	44.83	45.85	64,752	63,204	2.45	13,303,009
25	First BanCorp.	San Juan	P.R.	45.55	58.07	111,418	132,311	-15.79	19,531,635
26	Northfield Bancorp, Inc. (Staten Island, NY)	Woodbridge	N.J.	45.71	NM	18,714	19,868	-5.81	5,651,264
27	Hanmi Financial Corporation	Los Angeles	Calif.	45.94	52.71	31,475	30,965	1.65	6,955,968
28	Lakeland Financial Corporation	Warsaw	Ind.	46.23	N.A.	28,114	26,917	4.45	6,267,663
29	International Bancshares Corporation	Laredo	Tex.	46.24	36.33	67,903	68,581	-0.99	16,271,178
30	First Bancshares, Inc.	Merrillville	Ind.	46.94	N.A.	32,339	30,757	5.14	6,381,529
31	Southside Bancshares, Inc.	Tyler	Tex.	47.47	50.26	32,019	30,750	4.13	7,606,061
32	Veritex Holdings, Inc.	Dallas	Tex.	47.52	48.88	47,585	41,265	15.32	11,304,811
33	EB Acquisition Company, LLC	University Park	Tex.	47.71	50.61	89,974	94,029	-4.31	18,616,778
34	Hometown Community Bancorp, Inc.	Morton	Ill.	47.72	N.A.	21,547	21,899	-1.61	5,067,801
35	Pacific Premier Bancorp, Inc.	Irvine	Calif.	48.37	48.99	98,889	94,321	4.84	21,993,919
36	Dime Community Bancshares, Inc.	Hauppauge	N.Y.	48.56	N.A.	51,720	54,787	-5.60	12,342,840
37	Olney Bancshares of Texas, Inc.	Olney	Tex.	48.65	46.20	20,169	17,529	15.06	3,908,532
38	Flushing Financial Corporation	Uniondale	N.Y.	48.66	57.91	35,370	33,533	5.48	8,339,587
39	Amarillo National Bancorp, Inc.	Amarillo	Tex.	48.68	53.94	41,344	41,923	-1.38	7,926,831
40	Pinnacle Financial Partners, Inc.	Nashville	Tenn.	48.92	48.96	195,911	166,804	17.45	40,121,292
41	FirstBank Holding Company	Lakewood	Colo.	48.96	48.36	116,199	103,451	12.32	28,694,604
42	Midland Financial Co.	Oklahoma City	Okla.	49.64	36.44	159,682	131,078	21.82	33,114,847
43	Ameris Bancorp	Atlanta	Ga.	49.68	52.10	142,531	135,214	5.41	23,687,471
44	Community Trust Bancorp, Inc.	Pikeville	Ky.	49.71	N.A.	29,978	29,725	0.85	5,447,350
45	Independent Bank Corp.	Rockland	Mass.	50.36	60.94	89,395	73,352	21.87	19,983,884
46	Horizon Bancorp, Inc.	Michigan City	Ind.	50.42	54.62	36,368	33,388	8.93	7,640,936
47	Lakeland Bancorp, Inc.	Oak Ridge	N.J.	50.48	51.99	45,068	34,097	32.18	10,374,738
48	BankUnited, Inc.	Miami Lakes	Fla.	50.59	51.23	127,035	118,353	7.34	36,556,548
49	City Holding Company	Charleston	W.Va.	50.67	53.03	30,862	29,766	3.68	6,242,696
50	Premier Financial Corp.	Defiance	Ohio	50.75	50.56	39,658	38,854	2.07	8,014,440
51	Enterprise Financial Services Corp	Clayton	Mo.	50.83	50.74	64,951	50,777	27.91	13,084,506
52	Capitol Federal Financial, Inc.	Topeka	Kan.	50.85	58.05	29,374	28,974	1.38	9,495,946
	First Foundation Inc.	Dallas	Tex.	50.85	49.05	49,005	35,754	37.06	11,257,526
54	Washington Federal, Inc.	Seattle	Wash.	51.07	58.34	87,058	83,111	4.75	20,158,831
55	Heritage Commerce Corp	San Jose	Calif.	51.15	N.A.	23,190	25,765	-9.99	5,356,841
56	German American Bancorp, Inc.	Jasper	Ind.	51.16	N.A.	35,701	29,037	22.95	6,472,306
57	First Bancorp	Southern Pines	N.C.	51.18	50.63	51,028	42,394	20.37	10,566,587
58	The Bancorp, Inc.	Wilmington	Del.	51.22	55.17	45,512	44,575	2.10	7,119,734
59	Hope Bancorp, Inc.	Los Angeles	Calif.	51.47	52.00	80,692	71,020	13.62	18,089,235
60	PacWest Bancorp	Beverly Hills	Calif.	51.51	43.41	181,635	135,877	33.68	40,950,723
61	United Bankshares, Inc.	Charleston	W.Va.	51.61	54.48	135,640	137,694	-1.49	28,777,896
62	Provident Financial Services, Inc.	Jersey City	N.J.	51.73	54.65	63,473	62,664	1.29	13,715,901
63	TrustCo Bank Corp NY	Glenville	N.Y.	51.98	58.85	24,868	27,704	-10.24	6,226,913
64	Midland States Bancorp, Inc.	Effingham	Ill.	52.11	70.44	41,339	48,941	-15.53	7,435,812
65	The Charles Schwab Corporation	Westlake	Tex.	52.31	58.85	2,824,000	2,815,000	0.32	637,557,000
66	Axos Financial, Inc.	Las Vegas	Nev.	52.33	50.15	103,745	81,904	26.67	17,455,604
67	1st Source Corporation	South Bend	Ind.	52.37	55.11	45,463	45,638	-0.38	8,029,359
68	Pinnacle Bancorp, Inc.	Omaha	Neb.	52.47	50.91	78,746	78,486	0.33	17,562,912
69	Peapack-Gladstone Financial Corporation	Bedminster	N.J.	52.50	59.38	32,659	30,684	6.44	6,151,167
70	Amalgamated Financial Corp.	New York	N.Y.	52.71	N.A.	34,345	31,398	9.39	7,958,216
71	Regions Financial Corporation	Birmingham	Ala.	52.96	56.54	960,000	910,000	5.49	160,952,000
72	Synovus Financial Corp.	Columbus	Ga.	52.97	54.73	285,051	270,260	5.47	57,382,745
73	CIBC Bancorp USA Inc.	Chicago	Ill.	53.24	54.95	287,832	282,775	1.79	65,438,280
74	Columbia Banking System, Inc.	Tacoma	Wash.	53.25	54.87	96,270	85,033	13.21	20,565,364
75	TriCo Bancshares	Chico	Calif.	53.55	51.60	56,357	44,664	26.18	10,120,611
76	Atlantic Union Bankshares Corporation	Richmond	Va.	53.82	52.36	101,828	95,602	6.51	19,669,159
77	Farmers & Merchants Investment, Inc.	Lincoln	Neb.	53.86	N.A.	47,367	44,908	5.48	7,096,995
78	OceanFirst Financial Corp.	Red Bank	N.J.	53.89	58.78	58,687	51,671	13.58	12,446,537
79	SVB Financial Group	Santa Clara	Calif.	53.91	44.07	848,000	652,805	29.90	214,399,000
80	Woodforest Financial Group, Inc.	The Woodlands	Tex.	54.06	72.16	141,156	136,692	3.27	9,628,383
81	Independent Bank Group, Inc.	McKinney	Tex.	54.20	51.20	86,168	78,013	10.45	18,107,093
82	Popular, Inc.	Hato Rey	P.R.	54.27	53.48	420,000	378,000	11.11	71,502,000
83	S&T Bancorp, Inc.	Indiana	Pa.	54.36	53.85	48,417	45,829	5.65	9,103,814
84	Fifth Third Bancorp	Cincinnati	Ohio	54.41	58.87	1,112,773	1,155,029	-3.66	206,782,168
85	Byline Bancorp, Inc.	Chicago	Ill.	54.75	51.95	43,794	42,667	2.64	7,131,717
86	OFG Bancorp	San Juan	P.R.	54.96	59.25	88,685	84,859	4.51	10,247,774
87	Hancock Whitney Corporation	Gulfport	Miss.	54.98	70.19	187,366	237,164	-21.00	34,652,639
88	Stock Yards Bancorp, Inc.	Louisville	Ky.	55.01	N.A.	45,540	48,518	-6.14	7,595,136
89	Camden National Corporation	Camden	Maine	55.20	N.A.	26,667	25,710	3.72	5,466,496
	Capital One Financial Corporation	McLean	Va.	55.20	54.13	4,584,205	3,965,529	15.60	440,287,667
91	Banc of California, Inc.	Santa Ana	Calif.	55.25	62.76	46,216	40,292	14.70	9,506,528
92	BTC Financial Corporation	Des Moines	Iowa	55.29	36.00	29,179	28,807	1.29	5,625,118
93	SouthState Corporation	Winter Haven	Fla.	55.37	78.92	235,227	276,974	-15.07	46,207,422
94	United Community Banks, Inc.	Blairsville	Ga.	55.57	53.98	121,067	94,755	27.77	24,217,199
95	Great Southern Bancorp, Inc.	Springfield	Mo.	55.68	55.01	33,133	30,312	9.31	5,556,362
96	Seacoast Banking Corporation of Florida	Stuart	Fla.	55.81	54.96	57,133	46,024	24.14	10,811,704
97	Glacier Bancorp, Inc.	Kalispell	Mont.	55.87	50.04	130,147	100,759	29.17	26,690,005
98	F.N.B. Corporation	Pittsburgh	Pa.	55.88	57.54	192,562	180,280	6.81	41,751,628
	First Commonwealth Financial Corporation	Indiana	Pa.	55.88	53.66	55,569	51,427	8.05	9,526,427
100	Central Bancompany, Inc.	Jefferson City	Mo.	55.89	58.96	108,504	113,923	-4.76	19,658,047
101	Commerce Bancshares, Inc.	Kansas City	Mo.	55.90	52.86	218,712	197,482	10.75	33,467,466
102	INTRUST Financial Corporation	Wichita	Kan.	56.12	65.06	40,888	46,042	-11.19	7,197,122
103	John Deere Capital Corporation	Madison	Wis.	56.24	56.04	307,286	310,752	-1.12	45,847,353
104	CrossFirst Bankshares, Inc.	Leawood	Kan.	56.34	N.A.	29,204	25,192	15.93	5,708,095
105	Columbia Bank MHC	Fair Lawn	N.J.	56.41	49.66	41,351	35,439	16.68	9,743,392
106	Webster Financial Corporation	Stamford	Conn.	56.67	63.09	360,662	188,023	91.82	67,595,023
107	Brookline Bancorp, Inc.	Boston	Mass.	56.73	50.31	44,811	40,060	11.86	8,553,123
108	Ally Financial Inc.	Detroit	Mich.	56.80	61.53	1,412,000	1,357,000	4.05	185,703,000
109	Salem Five Bancorp	Salem	Mass.	56.86	61.30	30,560	30,154	1.35	6,256,972
110	Banner Corporation	Walla Walla	Wash.	57.00	59.78	92,388	92,655	-0.29	16,385,197
111	First Hawaiian, Inc.	Honolulu	Hawaii	57.08	52.97	109,175	95,888	13.86	25,377,533
112	BancFirst Corporation	Oklahoma City	Okla.	57.19	57.53	76,785	73,821	4.02	12,530,423
113	SMBC Americas Holdings, Inc.	New York	N.Y.	57.21	113.21	238,038	251,892	-5.50	28,912,158
114	Huntington Bancshares Incorporated	Columbus	Ohio	57.31	82.95	1,028,237	1,059,998	-3.00	178,782,402
115	The First Bancshares, Inc.	Hattiesburg	Miss.	57.44	N.A.	30,613	27,170	12.67	6,039,816
116	Washington Trust Bancorp, Inc.	Westerly	R.I.	57.53	59.00	31,077	33,012	-5.86	5,984,654
117	Bremer Financial Corporation	Saint Paul	Minn.	57.84	59.98	84,275	90,169	-6.54	15,771,051
118	Stockman Financial Corporation	Miles City	Mont.	57.99	N.A.	30,788	28,893	6.56	5,905,038
119	NBT Bancorp Inc.	Norwich	N.Y.	58.09	60.13	76,162	72,868	4.52	11,720,459
120	Umpqua Holdings Corporation	Portland	Ore.	58.12	58.45	179,550	189,516	-5.26	30,135,694
121	Republic Bancorp, Inc.	Louisville	Ky.	58.17	74.49	47,811	39,372	21.43	6,112,477
122	Comerica Incorporated	Dallas	Tex.	58.19	61.82	483,000	463,000	4.32	87,179,000
123	First Merchants Corporation	Muncie	Ind.	58.28	48.99	97,296	69,169	40.66	17,780,492
124	Heartland Financial USA, Inc.	Dubuque	Iowa	58.36	58.24	109,710	103,193	6.32	19,658,399
125	Bank of Hawaii Corporation	Honolulu	Hawaii	58.37	59.11	103,064	99,750	3.32	23,232,699
126	CNB Financial Corporation	Clearfield	Pa.	58.73	N.A.	32,569	26,965	20.78	5,299,315
	Peoples Bancorp Inc.	Marietta	Ohio	58.73	N.A.	50,248	39,636	26.77	7,278,292
128	Origin Bancorp, Inc.	Ruston	La.	58.84	55.91	44,114	37,644	17.19	8,111,523
129	First Financial Bancorp.	Cincinnati	Ohio	59.11	60.54	103,189	96,954	6.43	16,243,714
130	Alpine Banks of Colorado	Glenwood Springs	Colo.	59.18	N.A.	36,815	32,855	12.05	6,083,627
131	KeyCorp	Cleveland	Ohio	59.36	59.96	1,078,098	1,072,231	0.55	187,227,649
132	JPMorgan Chase & Co.	New York	N.Y.	59.41	57.78	18,400,000	17,849,000	3.09	3,841,314,000
133	Eastern Bankshares, Inc.	Boston	Mass.	59.62	70.68	107,848	108,876	-0.94	22,353,741
134	Cambridge Financial Group, Inc.	Cambridge	Mass.	59.71	N.A.	27,271	28,783	-5.25	5,695,472
135	WesBanco, Inc.	Wheeling	W.Va.	59.78	52.63	86,540	83,394	3.77	16,800,976
136	WSFS Financial Corporation	Wilmington	Del.	59.82	62.56	135,950	97,237	39.81	20,550,216
137	BOK Financial Corporation	Tulsa	Okla.	59.83	59.90	266,296	280,967	-5.22	45,450,657
138	Truist Financial Corporation	Charlotte	N.C.	59.98	68.64	3,579,000	4,010,000	-10.75	545,123,000
139	First Mid Bancshares, Inc.	Mattoon	Ill.	60.01	N.A.	41,665	43,716	-4.69	6,660,922
140	CRB Group, Inc.	Fort Lee	N.J.	60.08	N.A.	74,863	N.A.	#VALUE!	8,622,788
141	Park National Corporation	Newark	Ohio	60.09	61.20	69,688	71,065	-1.94	9,826,670
142	Cullen/Frost Bankers, Inc.	San Antonio	Tex.	60.15	57.92	246,337	215,170	14.48	51,817,844
143	Santander Holdings USA, Inc.	Boston	Mass.	60.20	53.66	1,533,072	1,492,874	2.69	165,323,832
144	Associated Banc-Corp	Green Bay	Wis.	60.42	66.98	181,168	174,130	4.04	37,235,990
145	Discount Bancorp, Inc.	New York	N.Y.	60.54	70.30	61,715	58,662	5.20	12,604,295
146	Heritage Financial Corporation	Olympia	Wash.	60.69	56.26	35,690	36,338	-1.78	7,316,467
147	First Busey Corporation	Champaign	Ill.	60.91	62.11	69,565	62,860	10.67	12,356,433
148	National Bank Holdings Corporation	Greenwood Village	Colo.	61.06	64.37	45,547	46,122	-1.25	7,167,999
149	Valley National Bancorp	New York	N.Y.	61.27	49.14	304,802	175,157	74.02	54,438,807
150	Broadway Bancshares, Inc.	San Antonio	Tex.	61.33	N.A.	30,521	29,636	2.99	5,314,915
151	Financial Institutions, Inc.	Warsaw	N.Y.	61.37	N.A.	32,788	26,834	22.19	5,568,198
152	U.S. Bancorp	Minneapolis	Minn.	61.43	58.30	3,723,000	3,391,000	9.79	591,381,000
153	UMB Financial Corporation	Kansas City	Mo.	61.75	60.78	214,127	201,338	6.35	37,507,841
154	Kearny Financial Corp.	Fairfield	N.J.	61.91	60.74	33,612	31,986	5.08	7,719,883
155	Fulton Financial Corporation	Lancaster	Pa.	62.24	64.80	150,350	141,221	6.46	25,191,001
156	Triumph Bancorp, Inc.	Dallas	Tex.	62.45	65.60	88,608	70,797	25.16	5,955,506
157	QCR Holdings, Inc.	Moline	Ill.	62.51	N.A.	54,278	35,677	52.14	7,392,941
158	The PNC Financial Services Group, Inc.	Pittsburgh	Pa.	62.66	64.97	3,244,749	3,049,975	6.39	541,012,603
159	Old National Bancorp	Evansville	Ind.	62.79	62.10	277,396	129,577	114.08	45,750,538
160	Citigroup Inc.	New York	N.Y.	62.88	65.55	12,468,000	11,486,000	8.55	2,380,904,000
161	Tompkins Financial Corporation	Ithaca	N.Y.	63.02	62.65	49,120	46,762	5.04	7,842,461
162	First Horizon Corporation	Memphis	Tenn.	63.14	62.78	490,407	498,549	-1.63	85,132,958
163	Community Bank System, Inc.	Dewitt	N.Y.	63.18	59.30	109,868	93,248	17.82	15,487,833
164	Renasant Corporation	Tupelo	Miss.	63.49	67.73	98,099	109,789	-10.65	16,618,101
165	First National of Nebraska, Inc.	Omaha	Neb.	63.61	60.64	284,719	277,256	2.69	25,917,964
	The Goldman Sachs Group, Inc.	New York	N.Y.	63.61	55.72	7,653,000	8,640,000	-11.42	1,601,224,000
167	Spend Life Wisely Company, Inc.	Durant	Okla.	63.71	63.17	108,336	94,430	14.73	13,974,990
168	Wintrust Financial Corporation	Rosemont	Ill.	63.84	68.04	288,498	279,851	3.09	50,968,518
169	BMO Financial Corp.	Chicago	Ill.	64.17	59.61	978,717	875,324	11.81	192,113,613
170	MidWestOne Financial Group, Inc.	Iowa City	Iowa	64.30	N.A.	32,997	29,381	12.31	6,442,491
171	TD Group US Holdings LLC	Wilmington	Del.	64.42	65.18	1,976,629	1,890,642	4.55	516,517,803
172	Citizens Financial Group, Inc.	Providence	R.I.	64.59	61.42	1,305,256	991,788	31.61	227,186,681
173	Northwest Bancshares, Inc.	Columbus	Ohio	65.06	57.98	89,833	92,893	-3.29	14,262,249
174	Home Bancshares, Inc. (Conway, AR)	Conway	Ark.	65.75	41.26	164,880	72,640	126.98	24,253,168
175	Bank of America Corporation	Charlotte	N.C.	65.95	70.58	14,596,000	15,407,000	-5.26	3,111,606,000
176	Univest Financial Corporation	Souderton	Pa.	66.13	60.84	47,371	41,286	14.74	6,700,813
177	Burke & Herbert Financial Services Corp.	Alexandria	Va.	66.19	62.70	20,387	19,185	6.27	3,585,822
178	Simmons First National Corporation	Pine Bluff	Ark.	66.31	58.93	161,208	120,635	33.63	27,230,757
179	Old Second Bancorp, Inc.	Aurora	Ill.	66.64	N.A.	37,192	N.A.	#VALUE!	6,005,543
180	Eagle Bancorp, Inc.	Bethesda	Md.	66.65	36.91	59,514	35,642	66.98	10,938,805
181	Third Federal Savings and Loan Association of Cleveland, MHC	Cleveland	Ohio	66.89	71.13	51,602	46,862	10.11	15,405,154
182	Mizuho Americas LLC	New York	N.Y.	67.03	67.79	425,000	362,000	17.40	49,181,000
183	Berkshire Hills Bancorp, Inc.	Boston	Mass.	67.18	68.03	68,114	68,511	-0.58	11,585,711
184	First Citizens BancShares, Inc.	Raleigh	N.C.	67.25	69.36	807,806	353,346	128.62	107,672,569
185	HomeStreet, Inc.	Seattle	Wash.	67.37	60.17	50,022	52,350	-4.45	8,587,299
186	Northern Trust Corporation	Chicago	Ill.	68.62	70.53	1,223,546	1,133,011	7.99	157,786,326
187	Texas Capital Bancshares, Inc.	Dallas	Tex.	69.19	62.71	164,146	125,771	30.51	32,338,963
188	M&T Bank Corporation	Buffalo	N.Y.	69.29	58.04	1,391,942	843,605	65.00	204,032,889
189	State Street Corporation	Boston	Mass.	69.44	67.60	2,132,000	2,118,000	0.66	300,223,000
190	RBC US Group Holdings LLC	Toronto	#N/A	69.83	80.38	1,455,690	1,761,500	-17.36	162,930,988
191	SNBNY Holdings Limited	Gibraltar	#N/A	70.28	81.72	40,796	41,976	-2.81	9,465,894
192	FB Financial Corporation	Nashville	Tenn.	70.31	67.07	96,997	92,873	4.44	12,193,862
193	First Interstate BancSystem, Inc.	Billings	Mont.	70.61	61.72	208,088	99,601	108.92	32,061,717
194	BancPlus Corporation	Ridgeland	Miss.	71.10	N.A.	52,292	41,278	26.68	6,574,802
195	Apple Financial Holdings, Inc.	New York	N.Y.	71.53	81.33	68,491	63,986	7.04	16,387,371
196	Ameriprise Financial, Inc.	Minneapolis	Minn.	71.64	78.77	2,504,717	2,645,610	-5.33	158,502,970
197	New York Private Bank & Trust Corporation	New York	N.Y.	71.93	79.57	56,540	53,933	4.83	5,642,209
198	Dollar Mutual Bancorp	Pittsburgh	Pa.	71.94	86.97	63,936	65,573	-2.50	10,939,143
199	Johnson Financial Group, Inc.	Racine	Wis.	71.96	69.37	52,551	51,354	2.33	6,165,830
200	Morgan Stanley	New York	N.Y.	72.12	67.67	9,703,000	10,099,000	-3.92	1,173,776,000

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of Oct. 14, 2022, are included. *Noninterest expense divided by (total income minus interest expense)

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

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