Five Points Bank: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
Five Points Bank reported an efficiency ratio of 52.91% as of Q2 2026, ranking #1,030 of 3,608 U.S. banks (71st percentile). That is up 2.40 percentage points from 50.51% a year earlier, and below the 58.00% median of the 853 Large Community Banks ($1B–$10B 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 Five Points Bank's Efficiency Ratio?
Five Points Bank's Efficiency Ratio was 52.91% as of Q2 2026, ranking #1030 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 Five Points Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Five Points Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 20488) · FFIEC NIC profile (RSSD 554857)