The Merchants & Citizens Bank: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
The Merchants & Citizens Bank reported a efficiency ratio of 70.02% as of Q2 2026, ranking #2,766 of 3,644 U.S. banks (24th 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.
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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.
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What is The Merchants & Citizens Bank's Efficiency Ratio?
The Merchants & Citizens Bank's Efficiency Ratio was 70.02% as of Q2 2026, ranking #2766 of 3,644 U.S. banks.
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?
More The Merchants & Citizens Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full The Merchants & Citizens Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 183) · FFIEC NIC profile (RSSD 784430)