First State Bank of Dekalb County, Inc.: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
First State Bank of Dekalb County, Inc. reported an efficiency ratio of 42.75% as of Q2 2026, ranking #315 of 3,608 U.S. banks (91st percentile). That is up 2.90 percentage points from 39.85% a year earlier, and below the 61.56% median of the 1,869 Small Community Banks ($100M–$500M 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 of Dekalb County, Inc.'s Efficiency Ratio?
First State Bank of Dekalb County, Inc.'s Efficiency Ratio was 42.75% as of Q2 2026, ranking #315 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 of Dekalb County, Inc. metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First State Bank of Dekalb County, Inc. profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 23815) · FFIEC NIC profile (RSSD 504535)