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Profitability · Delaware

Most Efficient US Banks (Lowest Efficiency Ratio) in Delaware

Ranked among banks headquartered in Delaware. Re-ranked 1-19 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): WELLS FARGO DELAWARE TRUST COMPANY, NATIONAL ASSOCIATION — 13.85% . 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: 19 banks with reported data Showing: Top 19 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 Wells Fargo Delaware Trust Company, N.A. Wilmington , DE 13.85% $239.5M
2 U.S. Bank Trust N.A. Wilmington , DE 16.12% $929.7M
3 Bny Mellon Trust of Delaware Wilmington , DE 20.60% $252.8M
4 Stifel Trust Company Delaware, N.A. Greenville , DE 27.23% $342.8M
5 Deutsche Bank Trust Company Delaware Newark , DE 29.15% $139.8M
6 Discover Bank Greenwood , DE 34.15% $145.41B
7 County Bank Rehoboth Beach , DE 38.57% $684.8M
8 Applied Bank Wilmington , DE 40.27% $258.1M
9 Goldman Sachs Trust Company, N.A., the Wilmington , DE 47.74% $165.4M
10 Comenity Bank Wilmington , DE 48.84% $7.77B
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11 Santander Bank, N.A. Wilmington , DE 53.43% $106.09B
12 Wilmington Savings Fund Society, FSB Wilmington , DE 55.35% $22.02B
13 PNC Bank, N.A. Wilmington , DE 56.38% $567.95B
14 Barclays Bank Delaware Wilmington , DE 60.79% $46.65B
15 TD Bank, N.A. Wilmington , DE 66.35% $345.61B
16 Community Bank Delaware Lewes , DE 75.93% $419.6M
17 TD Bank USA, N.A. Wilmington , DE 78.55% $32.72B
18 Artisans' Bank Wilmington , DE 84.03% $719.6M
19 Wilmington Trust, N.A. Wilmington , DE 99.58% $759.5M

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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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