Central Bank — Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
Central Bank reported a efficiency ratio of 33.66% as of Q1 2026 , ranking #88 of 3,911 U.S. banks (98th percentile) . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.
12-Quarter Trend
National Context
What is the Efficiency Ratio?
The Efficiency Ratio measures non-interest operating expense against net revenue (net interest income + non-interest income). It answers: how many cents of operating cost does the bank spend to generate each dollar of revenue?
Most US community banks report efficiency ratios between 55% and 70%. Below 55% is excellent. Above 75% suggests structural expense issues — possibly over-branched, over-staffed, or sub-scale relative to revenue.
Full definition & formula →More Central Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Central Bank profile or how this data updates.