Most Efficient Bank Holding Companies

July 18, 2022, 1:03 p.m. EDT 1 Min Read

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Rank	Company	City	State	Efficiency Ratio (YTD)* Mar. 2022	Efficiency Ratio (YTD)* Mar. 2021	Noninterest Expense (YTD) Mar. 2022($000)	Noninterest Expense (YTD) Mar. 2021($000)	Noninterest Expense (YTD) Change(%)	Assets Mar. 2022($000)
1	Beal Financial Corporation	Plano	Tex.	17.35	14.92	$63,100	$55,950	12.78	$12,082,911
2	NexBank Capital, Inc.	Dallas	Tex.	24.71	36.65	20,929	18,819	11.21	11,731,150
3	Merchants Bancorp	Carmel	Ind.	30.80	25.83	31,033	30,086	3.15	9,650,592
4	ServisFirst Bancshares, Inc.	Birmingham	Ala.	31.79	27.04	37,210	26,728	39.22	15,339,419
5	Luther Burbank Corporation	Santa Rosa	Calif.	33.97	39.25	15,514	15,398	0.75	7,260,826
6	Synchrony Financial	Stamford	Conn.	34.09	33.53	1,039,000	931,000	11.60	95,267,000
7	Eagle Bancorp, Inc.	Bethesda	Md.	35.02	39.61	31,002	36,636	-15.38	11,224,374
8	Industry Bancshares, Inc.	Industry	Tex.	36.33	NA	16,486	15,432	6.83	5,304,297
9	Discover Financial Services	Riverwoods	Ill.	36.72	38.54	1,122,765	1,074,989	4.44	107,412,248
10	State Bankshares, Inc.	Fargo	N.D.	37.53	64.25	96,850	99,689	-2.85	10,329,244
11	East West Bancorp, Inc.	Pasadena	Calif.	38.07	44.43	189,074	190,550	-0.77	62,241,456
12	ConnectOne Bancorp, Inc.	Englewood Cliffs	N.J.	38.66	39.85	29,230	26,485	10.36	8,334,301
13	Customers Bancorp, Inc.	West Reading	Pa.	39.38	49.73	73,870	63,169	16.94	19,178,118
14	New York Community Bancorp, Inc.	Hicksville	N.Y.	40.49	39.80	140,405	132,401	6.05	61,005,398
15	Cathay General Bancorp	Los Angeles	Calif.	41.70	46.24	72,440	71,108	1.87	20,866,570
16	Prosperity Bancshares, Inc.	Houston	Tex.	42.60	40.27	120,099	119,621	0.40	38,285,059
17	Western Alliance Bancorporation	Phoenix	Ariz.	43.64	38.89	248,518	135,312	83.66	60,576,061
18	First Financial Bankshares, Inc.	Abilene	Tex.	43.87	45.28	59,225	57,723	2.60	13,314,200
19	BCI Financial Group, Inc.	Miami	Fla.	44.17	46.97	82,450	78,123	5.54	22,107,904
20	CVB Financial Corp.	Ontario	Calif.	44.90	38.22	58,236	47,160	23.49	17,539,137
21	Metropolitan Bank Holding Corp.	New York	N.Y.	45.45	NA	24,619	20,323	21.14	6,623,158
22	Westamerica Bancorporation	San Rafael	Calif.	45.49	47.69	25,580	25,532	0.19	7,313,417
23	Silvergate Capital Corporation	La Jolla	Calif.	46.27	NA	28,018	NA	#VALUE!	15,798,013
24	Axos Financial, Inc.	Las Vegas	Nev.	46.47	48.96	85,748	80,811	6.11	16,080,950
25	First Security Bancorp	Searcy	Ark.	46.63	46.24	39,533	40,041	-1.27	8,499,730
26	Home Bancshares, Inc. (Conway, AR)	Conway	Ark.	46.66	37.65	76,601	72,533	5.61	18,617,995
27	First BanCorp.	Santurce	P.R.	46.67	61.54	108,622	133,264	-18.49	19,929,037
28	Midland Financial Co.	Oklahoma City	Okla.	46.85	39.51	161,006	129,551	24.28	32,273,320
29	Southside Bancshares, Inc.	Tyler	Tex.	47.26	49.86	31,162	31,099	0.20	7,119,115
30	Lakeland Financial Corporation	Warsaw	Ind.	47.50	NA	27,029	26,664	1.37	6,575,170
31	CRB Group, Inc.	Fort Lee	N.J.	47.68	NA	76,430	NA	#VALUE!	8,945,571
32	Hometown Community Bancorp, Inc.	Morton	Ill.	47.75	NA	21,106	20,468	3.12	4,981,382
33	International Bancshares Corporation	Laredo	Tex.	47.78	48.81	64,313	62,368	3.12	16,136,688
34	PacWest Bancorp	Beverly Hills	Calif.	48.29	49.14	172,545	155,052	11.28	39,249,639
35	Northfield Bancorp, Inc. (Staten Island, NY)	Woodbridge	N.J.	48.72	NM	18,708	19,565	-4.38	5,518,038
36	EB Acquisition Company, LLC	University Park	Tex.	49.11	53.36	86,510	95,808	-9.70	18,900,207
37	Veritex Holdings, Inc.	Dallas	Tex.	49.33	45.90	46,100	39,138	17.79	10,453,680
38	Olney Bancshares of Texas, Inc.	Olney	Tex.	49.57	47.46	18,189	16,946	7.34	3,975,015
39	The Bancorp, Inc.	Wilmington	Del.	49.59	54.20	39,197	42,762	-8.34	7,082,660
40	Sandy Spring Bancorp, Inc.	Olney	Md.	49.88	50.47	62,390	68,942	-9.50	12,967,417
41	Community Trust Bancorp, Inc.	Pikeville	Ky.	49.97	NA	29,299	28,284	3.59	5,443,133
42	Pacific Premier Bancorp, Inc.	Irvine	Calif.	50.16	48.18	97,522	92,312	5.64	21,622,296
43	Enterprise Financial Services Corp	Clayton	Mo.	50.23	56.72	62,105	53,854	15.32	13,706,769
44	Amarillo National Bancorp, Inc.	Amarillo	Tex.	50.37	49.69	39,356	37,837	4.01	7,947,110
45	Hope Bancorp, Inc.	Los Angeles	Calif.	50.39	52.79	74,729	70,037	6.70	17,804,047
46	TrustCo Bank Corp NY	Glenville	N.Y.	50.56	57.54	23,028	26,014	-11.48	6,282,004
47	Dime Community Bancshares, Inc.	Hauppauge	N.Y.	51.12	NA	49,786	82,739	-39.83	12,078,250
48	First Bancshares, Inc.	Merrillville	Ind.	51.28	NA	31,467	30,364	3.63	6,227,925
49	Pinnacle Financial Partners, Inc.	Nashville	Tenn.	51.78	47.63	182,651	154,829	17.97	39,400,378
50	City Holding Company	Charleston	W.Va.	51.88	54.34	29,683	29,880	-0.66	6,011,189
51	Meta Financial Group, Inc.	Sioux Falls	S.D.	52.21	50.10	105,127	97,633	7.68	6,887,248
52	Republic Bancorp, Inc.	Louisville	Ky.	52.28	50.51	49,538	50,425	-1.76	6,349,868
53	First Foundation Inc.	Dallas	Tex.	52.49	51.67	47,801	34,609	38.12	10,476,172
54	Provident Financial Services, Inc.	Jersey City	N.J.	52.57	54.13	61,547	61,806	-0.42	13,617,014
55	First Bancorp	Southern Pines	N.C.	52.75	52.08	52,790	41,311	27.79	10,658,089
56	First Merchants Corporation	Muncie	Ind.	52.97	50.81	71,631	66,105	8.36	15,465,258
57	Premier Financial Corp.	Defiance	Ohio	53.08	46.30	41,910	39,314	6.60	7,594,737
58	Hanmi Financial Corporation	Los Angeles	Calif.	53.16	52.83	31,708	29,430	7.74	6,737,052
59	Ameris Bancorp	Atlanta	Ga.	53.48	51.03	145,249	149,483	-2.83	23,560,292
60	Capitol Federal Financial, Inc.	Topeka	Kan.	53.49	57.84	28,992	32,421	-10.58	9,547,894
61	FirstBank Holding Company	Lakewood	Colo.	53.60	58.13	115,130	112,198	2.61	28,915,250
62	BankUnited, Inc.	Miami Lakes	Fla.	53.84	54.09	126,380	123,969	1.94	36,336,896
63	Midland States Bancorp, Inc.	Effingham	Ill.	53.85	56.07	40,884	39,079	4.62	7,338,715
64	1st Source Corporation	South Bend	Ind.	53.87	52.92	44,698	44,241	1.03	8,014,982
	Valley National Bancorp	New York	N.Y.	53.87	47.57	197,314	160,597	22.86	43,551,457
66	The First Bancshares, Inc.	Hattiesburg	Miss.	54.38	NA	28,590	27,247	4.93	6,197,819
67	SVB Financial Group	Santa Clara	Calif.	54.49	48.04	873,000	635,999	37.26	220,359,000
68	Byline Bancorp, Inc.	Chicago	Ill.	54.60	51.82	44,404	38,454	15.47	6,834,636
69	Independent Bank Group, Inc.	McKinney	Tex.	54.67	48.22	82,457	75,140	9.74	17,963,253
70	Stockman Financial Corporation	Miles City	Mont.	54.73	NA	28,478	26,921	5.78	5,768,038
71	Synovus Financial Corp.	Columbus	Ga.	54.78	54.24	279,350	266,862	4.68	56,419,549
	TriCo Bancshares	Chico	Calif.	54.78	48.49	47,526	41,618	14.20	10,118,328
73	Horizon Bancorp, Inc.	Michigan City	Ind.	55.13	54.86	36,610	32,172	13.79	7,370,274
74	Peapack-Gladstone Financial Corporation	Bedminster	N.J.	55.16	63.01	34,169	31,594	8.15	6,255,664
75	First Citizens BancShares, Inc.	Raleigh	N.C.	55.24	68.21	860,688	342,103	151.59	108,596,694
76	Capital One Financial Corporation	McLean	Va.	55.36	52.24	4,556,591	3,743,627	21.72	434,195,249
77	Heritage Commerce Corp	San Jose	Calif.	55.43	NA	23,252	23,244	0.03	5,427,398
78	United Bankshares, Inc.	Charleston	W.Va.	55.52	51.10	134,094	144,134	-6.97	29,365,511
79	Banc of California, Inc.	Santa Ana	Calif.	55.78	74.44	46,076	46,435	-0.77	9,583,540
80	MidWestOne Financial Group, Inc.	Iowa City	Iowa	56.05	NA	32,222	28,426	13.35	5,960,214
81	Brookline Bancorp, Inc.	Boston	Mass.	56.11	54.85	42,427	40,783	4.03	8,648,933
82	Camden National Corporation	Camden	Maine	56.24	NA	26,324	24,966	5.44	5,420,415
83	Hancock Whitney Corporation	Gulfport	Miss.	56.30	58.17	181,996	193,467	-5.93	36,330,468
84	INTRUST Financial Corporation	Wichita	Kan.	56.33	62.12	40,691	37,786	7.69	7,683,371
85	S&T Bancorp, Inc.	Indiana	Pa.	56.35	50.83	47,442	45,231	4.89	9,432,281
86	Independent Bank Corp.	Rockland	Mass.	56.38	56.73	94,815	70,029	35.39	20,161,270
87	Allegiance Bancshares, Inc.	Houston	Tex.	56.39	NM	34,517	34,919	-1.15	7,149,403
88	CrossFirst Bankshares, Inc.	Leawood	Kan.	56.52	NA	27,728	22,820	21.51	5,517,851
	United Community Banks, Inc.	Blairsville	Ga.	56.52	52.91	119,392	94,543	26.28	24,376,955
90	Santander Holdings USA, Inc.	Boston	Mass.	56.59	53.61	1,466,691	1,548,428	-5.28	153,786,178
91	Regions Financial Corporation	Birmingham	Ala.	56.70	57.48	936,000	937,000	-0.11	164,366,000
92	Central Bancompany, Inc.	Jefferson City	Mo.	56.74	56.36	102,939	112,384	-8.40	19,948,505
93	Columbia Bank MHC	Fair Lawn	N.J.	56.81	55.65	38,910	35,404	9.90	9,235,470
94	Glacier Bancorp, Inc.	Kalispell	Mont.	57.07	46.76	130,275	96,572	34.90	26,100,324
95	Ally Financial Inc.	Detroit	Mich.	57.34	57.10	1,386,000	1,171,000	18.36	184,297,000
96	The Charles Schwab Corporation	Westlake	Tex.	57.42	55.31	2,838,000	2,751,000	3.16	680,950,000
97	Popular, Inc.	Hato Rey	P.R.	57.64	55.20	412,000	383,000	7.57	69,525,000
98	CIBC Bancorp USA Inc.	Chicago	Ill.	57.81	55.43	321,979	275,299	16.96	66,733,208
99	OFG Bancorp	San Juan	P.R.	57.92	58.41	85,135	80,481	5.78	10,190,120
100	Pinnacle Bancorp, Inc.	Elkhorn	Neb.	57.93	50.36	83,085	79,575	4.41	17,832,777
101	Umpqua Holdings Corporation	Portland	Ore.	57.99	56.02	182,365	187,103	-2.53	30,637,126
102	NBT Bancorp Inc.	Norwich	N.Y.	58.00	58.38	72,399	69,337	4.42	12,147,833
103	Washington Federal, Inc.	Seattle	Wash.	58.05	62.08	88,016	95,018	-7.37	20,560,279
104	Flushing Financial Corporation	Uniondale	N.Y.	58.27	56.87	38,236	38,508	-0.71	8,169,833
105	BancFirst Corporation	Oklahoma City	Okla.	58.37	54.66	73,238	64,908	12.83	12,624,478
106	Financial Institutions, Inc.	Warsaw	N.Y.	58.48	NA	30,038	26,623	12.83	5,630,498
107	OceanFirst Financial Corp.	Red Bank	N.J.	58.50	58.14	57,524	51,691	11.28	12,173,262
108	QCR Holdings, Inc.	Moline	Ill.	58.68	NA	38,226	37,228	2.68	6,175,819
109	First Hawaiian, Inc.	Honolulu	Hawaii	58.77	57.20	104,042	99,806	4.24	25,042,720
110	John Deere Capital Corporation	Reno	Nev.	58.84	58.63	340,236	308,721	10.21	43,433,500
111	Commerce Bancshares, Inc.	Kansas City	Mo.	58.89	54.37	207,899	193,421	7.49	35,044,801
112	Washington Trust Bancorp, Inc.	Westerly	R.I.	59.04	58.36	31,193	34,713	-10.14	5,850,280
113	Great Southern Bancorp, Inc.	Springfield	Mo.	59.10	55.51	31,259	30,286	3.21	5,378,867
114	Community Bank System, Inc.	Dewitt	N.Y.	59.24	58.43	99,671	93,001	7.17	15,625,883
115	Columbia Banking System, Inc.	Tacoma	Wash.	59.31	54.06	105,878	83,614	26.63	20,965,562
116	The Goldman Sachs Group, Inc.	New York	N.Y.	59.37	53.45	7,716,000	9,437,000	-18.24	1,589,443,000
117	Live Oak Bancshares, Inc.	Wilmington	N.C.	59.42	NA	65,697	58,248	12.79	8,619,966
118	First Commonwealth Financial Corporation	Indiana	Pa.	59.43	52.67	55,352	51,976	6.50	9,642,124
119	First Mid Bancshares, Inc.	Mattoon	Ill.	59.48	NA	40,413	37,439	7.94	6,632,006
120	Kearny Financial Corp.	Fairfield	N.J.	59.69	55.55	30,623	29,816	2.71	7,389,891
121	First National of Nebraska, Inc.	Omaha	Neb.	59.80	53.56	253,972	219,567	15.67	27,305,115
122	Farmers & Merchants Investment, Inc.	Lincoln	Neb.	59.94	NA	49,678	45,118	10.11	6,715,563
123	Eastern Bankshares, Inc.	Boston	Mass.	60.40	60.40	107,970	94,980	13.68	22,837,569
124	Tompkins Financial Corporation	Ithaca	N.Y.	60.54	59.73	46,839	45,191	3.65	7,891,111
125	WesBanco, Inc.	Wheeling	W.Va.	60.66	55.08	87,108	85,888	1.42	17,105,612
126	Bremer Financial Corporation	Saint Paul	Minn.	60.74	56.94	84,193	85,765	-1.83	16,093,642
127	Wintrust Financial Corporation	Rosemont	Ill.	60.78	63.62	285,336	287,495	-0.75	50,250,661
128	Bank of Hawaii Corporation	Honolulu	Hawaii	60.94	59.90	103,871	98,774	5.16	23,000,317
	CNB Financial Corporation	Clearfield	Pa.	60.94	NA	31,892	27,804	14.70	5,284,000
130	Amalgamated Financial Corp.	New York	N.Y.	61.37	NA	34,398	32,793	4.89	7,660,329
131	Origin Bancorp, Inc.	Ruston	La.	61.39	55.11	42,738	39,391	8.50	8,112,295
132	JPMorgan Chase & Co.	New York	N.Y.	61.55	58.25	19,024,000	18,856,000	0.89	3,954,687,000
133	First Busey Corporation	Champaign	Ill.	61.77	54.23	68,763	54,040	27.24	12,567,509
134	BTC Financial Corporation	Des Moines	Iowa	61.82	253.31	29,584	28,482	3.87	5,692,666
135	U.S. Bancorp	Minneapolis	Minn.	61.92	61.35	3,502,000	3,381,000	3.58	586,517,000
136	KeyCorp	Cleveland	Ohio	61.95	60.91	1,070,326	1,077,475	-0.66	181,472,726
137	TD Group US Holdings LLC	Wilmington	Del.	62.24	68.61	1,925,526	1,947,248	-1.12	524,292,372
138	Seacoast Banking Corporation of Florida	Stuart	Fla.	62.28	53.23	59,222	46,306	27.89	10,904,817
139	UMB Financial Corporation	Kansas City	Mo.	62.46	62.22	214,778	200,946	6.88	40,605,742
140	Heritage Financial Corporation	Olympia	Wash.	62.49	59.63	35,703	37,195	-4.01	7,483,814
141	BMO Financial Corp.	Chicago	Ill.	62.53	55.03	944,577	867,396	8.90	195,077,264
142	Park National Corporation	Newark	Ohio	62.59	59.18	67,884	67,780	0.15	9,576,352
143	Salem Five Bancorp	Salem	Mass.	62.70	53.55	31,177	29,593	5.35	6,041,810
144	Atlantic Union Bankshares Corporation	Richmond	Va.	62.72	64.67	107,870	114,846	-6.07	19,783,147
145	Central Pacific Financial Corp.	Honolulu	Hawaii	62.73	62.26	38,202	37,840	0.96	7,298,819
146	Huntington Bancshares Incorporated	Columbus	Ohio	63.03	57.13	1,063,983	794,615	33.90	176,855,518
147	Lakeland Bancorp, Inc.	Oak Ridge	N.J.	63.29	53.63	49,959	33,903	47.36	10,279,965
148	SouthState Corporation	Winter Haven	Fla.	63.52	59.59	233,734	226,732	3.09	46,201,541
149	Discount Bancorp, Inc.	New York	N.Y.	63.61	63.85	58,446	51,882	12.65	12,979,545
150	Cullen/Frost Bankers, Inc.	San Antonio	Tex.	63.85	58.78	238,601	210,179	13.52	51,332,733
151	Banner Corporation	Walla Walla	Wash.	64.04	63.99	91,412	93,842	-2.59	16,776,171
	Fifth Third Bancorp	Cincinnati	Ohio	64.04	62.42	1,226,412	1,230,802	-0.36	211,458,822
153	Alpine Banks of Colorado	Glenwood Springs	Colo.	64.22	NA	35,762	34,200	4.57	6,183,998
	Associated Banc-Corp	Green Bay	Wis.	64.22	62.88	174,098	175,411	-0.75	34,955,900
155	Heartland Financial USA, Inc.	Dubuque	Iowa	64.42	58.10	110,751	102,229	8.34	19,230,879
156	Truist Financial Corporation	Charlotte	N.C.	64.89	63.18	3,675,000	3,608,000	1.86	543,979,000
157	Bank of America Corporation	Charlotte	N.C.	65.22	67.91	15,076,000	15,754,000	-4.30	3,238,223,000
	Citigroup Inc.	New York	N.Y.	65.22	58.70	13,243,000	11,465,000	15.51	2,394,105,000
159	Simmons First National Corporation	Pine Bluff	Ark.	65.32	57.55	133,024	118,941	11.84	24,488,056
160	National Bank Holdings Corporation	Greenwood Village	Colo.	65.47	61.85	44,357	49,697	-10.75	7,341,512
161	M&T Bank Corporation	Buffalo	N.Y.	65.69	60.51	940,580	905,882	3.83	149,863,552
162	Peoples Bancorp Inc.	Marietta	Ohio	66.44	NA	51,288	37,527	36.67	7,239,261
163	First Financial Bancorp.	Cincinnati	Ohio	66.53	57.48	101,165	91,552	10.50	16,009,150
164	Fulton Financial Corporation	Lancaster	Pa.	66.58	77.72	147,652	178,279	-17.18	25,544,150
165	Renasant Corporation	Tupelo	Miss.	66.63	60.31	93,412	118,021	-20.85	16,863,757
166	Univest Financial Corporation	Souderton	Pa.	66.72	56.93	45,412	39,540	14.85	7,107,740
167	The PNC Financial Services Group, Inc.	Pittsburgh	Pa.	66.75	60.94	3,173,547	2,573,686	23.31	541,469,014
168	Citizens Financial Group, Inc.	Providence	R.I.	67.00	61.23	1,105,481	1,017,783	8.62	192,471,585
169	Morgan Stanley	New York	N.Y.	67.29	66.18	10,165,000	10,469,000	-2.90	1,222,233,000
170	Comerica Incorporated	Dallas	Tex.	67.43	62.50	473,000	446,000	6.05	89,318,000
	SMBC Americas Holdings, Inc.	New York	N.Y.	67.43	56.01	218,325	194,792	12.08	33,237,731
172	FB Financial Corporation	Nashville	Tenn.	67.47	62.14	89,272	94,613	-5.65	12,674,191
173	Cambridge Financial Group, Inc.	Cambridge	Mass.	67.58	NA	28,521	25,874	10.23	5,382,185
	Triumph Bancorp, Inc.	Dallas	Tex.	67.58	60.50	78,562	60,897	29.01	6,076,435
175	First Horizon Corporation	Memphis	Tenn.	67.92	65.67	492,879	543,946	-9.39	88,661,691
176	Old Second Bancorp, Inc.	Aurora	Ill.	68.27	NA	38,335	NA	#VALUE!	6,223,746
177	Spend Life Wisely Company, Inc.	Durant	Okla.	68.33	62.61	109,781	100,925	8.77	13,027,023
178	W.T.B. Financial Corporation	Spokane	Wash.	69.23	62.69	59,703	54,711	9.12	11,084,210
179	Northern Trust Corporation	Chicago	Ill.	69.74	70.22	1,206,042	1,128,534	6.87	172,564,967
	Webster Financial Corporation	Stamford	Conn.	69.74	61.64	359,617	187,909	91.38	65,131,485
181	Johnson Financial Group, Inc.	Racine	Wis.	70.01	58.04	51,770	48,576	6.58	6,153,711
182	Northwest Bancshares, Inc.	Columbus	Ohio	70.07	65.45	85,911	93,402	-8.02	14,488,373
183	F.N.B. Corporation	Pittsburgh	Pa.	71.00	58.88	225,660	184,549	22.28	42,054,781
184	Third Federal Savings and Loan Association of Cleveland, MHC	Cleveland	Ohio	72.51	65.25	49,184	48,255	1.93	14,580,835
185	Berkshire Hills Bancorp, Inc.	Boston	Mass.	72.99	74.58	68,131	77,746	-12.37	12,100,708
186	State Street Corporation	Boston	Mass.	73.52	76.84	2,338,000	2,331,000	0.30	322,350,000
187	Texas Capital Bancshares, Inc.	Dallas	Tex.	73.55	63.14	152,954	154,060	-0.72	31,085,377
188	Broadway Bancshares, Inc.	San Antonio	Tex.	74.26	NA	34,424	29,227	17.78	5,353,515
189	FB Corporation	Creve Coeur	Mo.	74.27	67.30	41,267	41,310	-0.10	6,954,858
190	Ameriprise Financial, Inc.	Minneapolis	Minn.	74.65	86.43	2,694,286	2,811,133	-4.16	167,529,727
191	German American Bancorp, Inc.	Jasper	Ind.	75.16	NA	48,160	31,259	54.07	6,698,380
192	BOK Financial Corporation	Tulsa	Okla.	75.39	62.29	269,657	283,826	-4.99	46,890,259
193	Republic First Bancorp, Inc.	Philadelphia	Pa.	75.45	NA	31,659	29,347	7.88	5,704,929
194	Old National Bancorp	Evansville	Ind.	75.68	55.94	226,710	116,479	94.64	45,834,648
195	Woodforest Financial Group, Inc.	The Woodlands	Tex.	75.71	72.08	140,335	133,401	5.20	9,834,463
196	The Bank of New York Mellon Corporation	New York	N.Y.	76.15	72.04	3,006,000	2,851,000	5.44	473,811,000
197	HomeStreet, Inc.	Seattle	Wash.	76.30	59.65	53,988	56,269	-4.05	7,510,894
198	RBC US Group Holdings LLC	Toronto	#N/A	77.16	78.86	1,652,919	1,762,531	-6.22	174,446,769
199	American Express Company	New York	N.Y.	77.17	78.74	9,068,000	7,151,000	26.81	195,862,000
200	Bangor Bancorp, MHC	Bangor	Maine	77.34	78.14	46,657	49,705	-6.13	6,922,319

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of Jul. 15, 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/