First State Bank and Trust: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
First State Bank and Trust reported an efficiency ratio of 64.57% as of Q2 2026, ranking #2,311 of 3,608 U.S. banks (36th percentile). That is up 5.75 percentage points from 58.82% a year earlier, and above the 59.76% median of the 732 Midsize Community Banks ($500M–$1B in assets). 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?
A bank's efficiency ratio is its noninterest expense divided by its revenue, net interest income plus noninterest income. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
Compare banks of similar size and business model. Very small banks rarely run below 60% because fixed costs are spread over less revenue, and fee-heavy banks with trust or mortgage businesses carry higher expense against their revenue. The trend matters as much as the level: a rising ratio means expenses are growing faster than revenue. A very low ratio can also mean underinvestment in staff or systems.
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What is First State Bank and Trust's Efficiency Ratio?
First State Bank and Trust's Efficiency Ratio was 64.57% as of Q2 2026, ranking #2311 of 3,608 U.S. banks.
What is the Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its revenue, net interest income plus noninterest income. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
More First State Bank and Trust metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First State Bank and Trust profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 16332) · FFIEC NIC profile (RSSD 899642)