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Profitability · District of Columbia

Most Efficient US Banks (Lowest Efficiency Ratio) in District of Columbia

Ranked among banks headquartered in District of Columbia. Re-ranked 1-4 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): NATIONAL CAPITAL BANK OF WASHINGTON, THE — 57.84% . 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.

Ranked: 4 banks with reported data Showing: Top 4 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 National Capital Bank of Washington, the Washington , DC 57.84% $734.8M
2 City First Bank, N.A. Washington , DC 81.17% $1.42B
3 Founders Bank Washington , DC 82.91% $382.4M
4 Industrial Bank Washington , DC 89.37% $774.9M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. 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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