Which US bank has the lowest efficiency-ratio?

Profitability

Most Efficient US Banks (Lowest Efficiency Ratio)

#1 US Banks (Lowest Efficiency Ratio):UNION COUNTY SAVINGS BANK — -263.15%. 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.

Population: 3,782 banksShowing: Top 100Source: FFIEC call reports (Q4 2025)What is this metric?See the Most Efficient US … glossary entry

#	Bank	HQ	Most Efficient US …	Total Assets ($K)
1	UNION COUNTY SAVINGS BANK	ELIZABETH, NJ	-263.15%	1,502,562.0
2	BATTLE BANK, NATIONAL ASSOCIATION	UPSALA, MN	-140.82%	118,567.0
3	WSB MUNICIPAL BANK	WATERTOWN, NY	2.44%	153,058.0
4	FIRSTAR BANK	SALLISAW, OK	3.59%	1,109,740.0
5	WELLS FARGO TRUST COMPANY, NATIONAL ASSOCIATION	OGDEN, UT	4.01%	1,316,566.0
6	AMERIPRISE BANK, FSB	MINNEAPOLIS, MN	10.28%	25,314,311.0
7	U.S. BANK TRUST NATIONAL ASSOCIATION SD	SIOUX FALLS, SD	10.81%	184,788.0
8	TITAN BANK, N.A.	MINERAL WELLS, TX	11.97%	819,886.0
9	BANK OF ALMA	ALMA, WI	13.32%	334,062.0
10	DEUTSCHE BANK TRUST COMPANY, NATIONAL ASSOCIATION	NEW YORK, NY	13.39%	165,875.0
11	WELLS FARGO BANK SOUTH CENTRAL, NATIONAL ASSOCIATION	HOUSTON, TX	13.69%	2,815,071.0
12	GREENE COUNTY COMMERCIAL BANK	CATSKILL, NY	14.07%	1,304,624.0
13	CHARLES SCHWAB PREMIER BANK, SSB	WESTLAKE, TX	14.65%	27,022,000.0
14	SQUARE FINANCIAL SERVICES, INC.	SALT LAKE CITY, UT	15.59%	1,694,247.0
15	FIRST CREDIT BANK	WEST HOLLYWOOD, CA	17.52%	500,519.0
16	CHARLES SCHWAB BANK, SSB	WESTLAKE, TX	17.61%	253,772,000.0
17	FIRST NATIONAL BANK OF BANGOR, THE	BANGOR, WI	17.79%	381,788.0
18	WELLS FARGO DELAWARE TRUST COMPANY, NATIONAL ASSOCIATION	WILMINGTON, DE	18.08%	237,696.0
19	BMW BANK OF NORTH AMERICA	SALT LAKE CITY, UT	18.13%	12,814,515.0
20	BEAL BANK USA	LAS VEGAS, NV	18.19%	14,512,815.0
21	U.S. BANK TRUST NATIONAL ASSOCIATION	WILMINGTON, DE	18.59%	906,490.0
22	VALLIANCE BANK	OKLAHOMA CITY, OK	19.09%	803,174.0
23	PITNEY BOWES BANK INC., THE	SALT LAKE CITY, UT	19.72%	805,554.0
24	PRIME ALLIANCE BANK	WOODS CROSS, UT	20.75%	1,073,318.0
25	GRANT COUNTY STATE BANK	SWAYZEE, IN	20.90%	388,565.0
26	MEDALLION BANK	SALT LAKE CITY, UT	21.37%	2,620,589.0
27	MORGAN STANLEY BANK, N.A.	SALT LAKE CITY, UT	21.57%	253,348,000.0
28	JOHN DEERE FINANCIAL, F.S.B.	MIDDLETON, WI	21.79%	3,397,348.0
29	BANK OF NEW ENGLAND	SALEM, NH	21.91%	1,806,903.0
30	STATE BANK OF TEXAS	IRVING, TX	21.92%	2,772,872.0
31	MORGAN STANLEY PRIVATE BANK, NATIONAL ASSOCIATION	PURCHASE, NY	22.46%	254,706,000.0
32	BNY MELLON TRUST OF DELAWARE	WILMINGTON, DE	22.66%	241,941.0
33	UBS BANK USA, NATIONAL ASSOCIATION	SALT LAKE CITY, UT	23.41%	119,317,920.0
34	COMMUNITY 1ST BANK LAS VEGAS	LAS VEGAS, NM	23.96%	292,100.0
35	FIRST NATIONAL BANK OF AMERICA	EAST LANSING, MI	24.09%	6,700,737.0
36	WELLS FARGO NATIONAL BANK WEST	LAS VEGAS, NV	24.39%	9,005,208.0
37	PIONEER TRUST BANK, NATIONAL ASSOCIATION	SALEM, OR	24.88%	734,930.0
38	CHARLES SCHWAB TRUST BANK	WESTLAKE, TX	24.96%	10,434,593.0
39	STIFEL TRUST COMPANY DELAWARE, NATIONAL ASSOCIATION	GREENVILLE, DE	26.35%	357,541.0
40	RIVER CITY BANK	SACRAMENTO, CA	26.55%	5,801,890.0
41	RBC BANK (GEORGIA), NATIONAL ASSOCIATION	ATLANTA, GA	26.70%	8,044,396.0
42	STIFEL BANK AND TRUST	SAINT LOUIS, MO	27.18%	19,412,996.0
43	SECURITY STATE BANK	SUTHERLAND, IA	27.51%	480,775.0
44	FIRST NATIONAL BANK OF STANTON, THE	STANTON, TX	27.86%	436,370.0
45	SERVISFIRST BANK	HOMEWOOD, AL	28.54%	17,725,922.0
46	SALLIE MAE BANK	SALT LAKE CITY, UT	28.65%	29,734,290.0
47	AMERICAN INTERSTATE BANK	ELKHORN, NE	28.70%	134,170.0
48	PREFERRED BANK	LOS ANGELES, CA	29.61%	7,601,679.0
49	NORTHBROOK BANK & TRUST COMPANY, NATIONAL ASSOCIATION	NORTHBROOK, IL	29.67%	5,850,740.0
50	HORIZON BANK	WAVERLY, NE	29.75%	511,566.0
51	CELTIC BANK CORPORATION	SALT LAKE CITY, UT	29.80%	4,792,448.0
52	AMERICAN PLUS BANK, NATIONAL ASSOCIATION	ARCADIA, CA	30.23%	867,250.0
53	FIRST CENTRAL BANK MCCOOK	MCCOOK, NE	30.31%	127,251.0
54	EAGLEMARK SAVINGS BANK	RENO, NV	30.43%	743,751.0
55	OPTUM BANK, INC.	DRAPER, UT	30.83%	20,819,000.0
56	VILLAGE BANK & TRUST, NATIONAL ASSOCIATION	ARLINGTON HEIGHTS, IL	30.89%	3,499,023.0
57	STIFEL BANK	SAINT LOUIS, MO	30.96%	11,735,326.0
58	CUMBERLAND SECURITY BANK, INC.	SOMERSET, KY	31.00%	427,367.0
59	HERITAGE BANK	WOOD RIVER, NE	31.09%	593,699.0
60	PBT BANCORP	HAZARD, KY	31.18%	379,360.0
61	NORTHEAST GEORGIA BANK	LAVONIA, GA	31.39%	651,699.0
62	MERRICK BANK	SOUTH JORDAN, UT	31.41%	9,251,625.0
63	BANK OF ODESSA	ODESSA, MO	31.50%	649,834.0
64	CAPITAL COMMUNITY BANK	PROVO, UT	32.05%	1,428,530.0
65	DECORAH BANK AND TRUST COMPANY	DECORAH, IA	32.15%	770,875.0
66	FIRST CITIZENS BANK	MASON CITY, IA	32.34%	1,830,219.0
67	LIBERTYVILLE BANK & TRUST COMPANY, NATIONAL ASSOCIATION	LIBERTYVILLE, IL	32.35%	3,135,699.0
68	INTERBANK	OKLAHOMA CITY, OK	32.53%	5,450,745.0
69	COUNTY BANK	REHOBOTH BEACH, DE	32.73%	665,500.0
70	FIRST FEDERAL SAVINGS AND LOAN BANK	OLATHE, KS	32.80%	108,940.0
71	PARKE BANK	SEWELL, NJ	32.80%	2,249,033.0
72	CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION	CRYSTAL LAKE, IL	32.92%	2,076,351.0
73	STATE NATIONAL BANK OF BIG SPRING, THE	BIG SPRING, TX	32.92%	624,190.0
74	FIRST AMERICAN TRUST, FSB	SANTA ANA, CA	32.94%	6,769,876.0
75	BANK OF UTICA	UTICA, NY	33.08%	1,405,373.0
76	COMMERCE BANK	LAREDO, TX	33.33%	736,936.0
77	INTERNATIONAL BANK OF COMMERCE	LAREDO, TX	33.48%	9,753,348.0
78	ATKINS SAVINGS BANK & TRUST	ATKINS, IA	33.49%	171,978.0
79	EAST WEST BANK	PASADENA, CA	33.52%	79,661,753.0
80	WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION	WHEATON, IL	33.57%	4,478,347.0
81	KS STATEBANK	MANHATTAN, KS	33.66%	2,642,787.0
82	AMERICAN BANK, NATIONAL ASSOCIATION	DALLAS, TX	33.73%	700,010.0
83	COMMUNITY BANK OF PICKENS COUNTY	JASPER, GA	33.77%	629,594.0
84	BANKFIRST	NORFOLK, NE	33.93%	1,202,363.0
85	STATE BANK OF NEWBURG	NEWBURG, WI	33.97%	331,793.0
86	BLUEHARBOR BANK	MOORESVILLE, NC	34.03%	606,806.0
87	SCHAUMBURG BANK & TRUST COMPANY, NATIONAL ASSOCIATION	SCHAUMBURG, IL	34.12%	2,301,404.0
88	POCAHONTAS STATE BANK	POCAHONTAS, IA	34.43%	122,562.0
89	BANK OF MILAN, THE	MILAN, TN	34.84%	111,682.0
90	MALAGA BANK, FSB	PALOS VERDES ESTATES, CA	34.99%	1,434,308.0
91	HINGHAM INSTITUTION FOR SAVINGS	HINGHAM, MA	35.15%	4,542,678.0
92		NoneNone	35.43%	144,967.0
93	BANK OF NEW YORK MELLON TRUST COMPANY, NATIONAL ASSOCIATION, THE	LOS ANGELES, CA	35.54%	1,351,491.0
94	PEOPLEFIRST BANK	JOLIET, IL	35.62%	264,317.0
95	CITIZENS BANK OF EDINA, THE	EDINA, MO	35.68%	105,299.0
96	INTERNATIONAL BANK OF COMMERCE	BROWNSVILLE, TX	35.75%	4,387,332.0
97	VALLEY BANK OF COMMERCE	ROSWELL, NM	35.84%	291,390.0
98	FIRST STATE BANK OF GOLVA	GOLVA, ND	35.88%	116,970.0
99	STATE BANK OF THE LAKES, NATIONAL ASSOCIATION	ANTIOCH, IL	36.09%	2,503,451.0
100	SOLON STATE BANK	SOLON, IA	36.24%	125,699.0

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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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