TowneBank: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
TowneBank reported an efficiency ratio of 43.43% as of Q2 2026, ranking #347 of 3,608 U.S. banks (90th percentile). That is down 28.85 percentage points from 72.28% a year earlier, and below the 53.45% median of the 122 Regional Banks ($10B–$100B 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 TowneBank's Efficiency Ratio?
TowneBank's Efficiency Ratio was 43.43% as of Q2 2026, ranking #347 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 TowneBank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full TowneBank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 35095) · FFIEC NIC profile (RSSD 2797724)