Most Efficient Bank Holding Companies (Mar. 31, 2020)

May 26, 2020, 11:01 a.m. EDT 1 Min Read

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Most Efficient Bank Holding Companies

Rank	Company	City	State	Efficiency Ratio (YTD)* 'Dec. 2019	Efficiency Ratio (YTD)* 'Dec. 2018	Noninterest Expense (YTD) 'Dec. 2019	Noninterest Expense (YTD) 'Dec. 2018	Noninterest Expense (YTD) 'Change	Assets 'Dec. 2019
1	Synchrony Financial	Stamford	CT	29.68	29.01	$4,246,000	$4,095,000	$3.69	$104,826,000
2	ServisFirst Bancshares, Inc.	Birmingham	AL	32.58	32.63	101,840	93,971	$8.37	8,947,653
3	State Bankshares, Inc.	Fargo	ND	35.02	75	253,014	295,858	-$14.48	6,567,034
4	CVB Financial Corp.	Ontario	CA	37.84	44.26	198,597	179,876	$10.41	11,282,450
5	Discover Financial Services	Riverwoods	IL	38.25	38.11	4,385,933	4,086,788	$7.32	113,995,854
6	Eagle Bancorp, Inc.	Bethesda	MD	39.75	36.90	139,847	126,707	$10.37	8,988,719
7	Home BancShares, Inc.	Conway	AR	40.21	38.38	274,362	262,679	$4.45	15,032,047
8	Sterling Bancorp	Montebello	NY	41.71	39.67	467,697	459,520	$1.78	30,639,452
9	PacWest Bancorp	Beverly Hills	CA	42.37	41.49	504,766	519,933	-$2.92	26,770,806
10	Western Alliance Bancorporation	Phoenix	AZ	42.75	42.68	479,291	425,982	$12.51	26,821,948
11	East West Bancorp, Inc.	Pasadena	CA	43.46	44.35	730,719	713,184	$2.46	44,196,096
12	Olney Bancshares of Texas, Inc.	Olney	TX	43.63	39.63	67,683	63,189	$7.11	3,494,656
13	BCI Financial Group, Inc.	Miami	FL	44.81	58.28	245,556	254,067	-$3.35	15,848,068
14	Cathay General Bancorp	Los Angeles	CA	44.87	44.00	275,083	265,552	$3.59	18,094,144
15	Great Western Bancorp, Inc.	Sioux Falls	SD	45.82	46.64	224,054	229,520	-$2.38	12,851,665
16	ConnectOne Bancorp, Inc.	Englewood Cliffs	NJ	46.22	42.35	92,228	70,453	$30.91	6,174,032
17	Luther Burbank Corporation	Santa Rosa	CA	46.54	48.46	61,254	62,544	-$2.06	7,045,828
18	Capitol Federal Financial, Inc.	Topeka	KS	47.17	45.26	109,745	102,596	$6.97	9,254,763
19	Prosperity Bancshares, Inc.	Houston	TX	47.31	42.60	395,560	324,306	$21.97	32,195,337
20	Pinnacle Financial Partners, Inc.	Nashville	TN	47.48	46.44	498,109	450,687	$10.52	27,805,498
21	First Security Bancorp	Searcy	AR	47.54	46.00	140,999	134,067	$5.17	5,986,589
22	Westamerica Bancorporation	San Rafael	CA	47.84	52.19	101,552	109,592	-$7.34	5,646,348
23	SVB Financial Group	Santa Clara	CA	48.08	44.99	1,613,493	1,191,772	$35.39	71,384,015
24	First Hawaiian, Inc.	Honolulu	HI	48.19	47.42	370,437	364,953	$1.50	20,166,734
25	First Financial Bankshares, Inc.	Abilene	TX	48.46	49.55	196,521	190,684	$3.06	8,262,227
26	NexBank Capital, Inc.	Dallas	TX	49.03	34.14	76,626	75,832	$1.05	9,781,011
27	Cadence Bancorporation	Houston	TX	49.34	53.01	407,477	258,057	$57.90	17,785,436
28	New York Community Bancorp, Inc.	Westbury	NY	49.38	48.42	511,218	546,250	-$6.41	53,640,821
29	Washington Federal, Inc.	Seattle	WA	50.48	50.45	289,566	269,987	$7.25	16,423,161
30	City Holding Company	Cross Lanes	WV	50.51	56.54	118,111	113,304	$4.24	5,018,557
31	Pacific Premier Bancorp, Inc.	Irvine	CA	50.57	55.75	258,118	249,523	$3.44	11,776,012
32	Axos Financial, Inc.	Las Vegas	NV	50.83	43.28	279,076	199,124	$40.15	12,269,288
33	United Bankshares, Inc.	Charleston	WV	51.05	49.60	378,806	366,057	$3.48	19,662,324
34	Farmers & Merchants Bancorp	Lodi	CA	51.72	53.24	81,886	76,624	$6.87	3,723,430
35	Seacoast Banking Corporation of Florida	Stuart	FL	51.84	60.22	161,397	162,659	-$0.78	7,108,511
36	Comerica Incorporated	Dallas	TX	51.92	53.18	1,744,000	1,783,782	-$2.23	73,519,000
37	International Bancshares Corporation	Laredo	TX	51.93	50.53	308,875	297,024	$3.99	12,112,894
38	Southside Bancshares, Inc.	Tyler	TX	52.30	50.99	118,438	118,880	-$0.37	6,748,913
39	Independent Bank Group, Inc.	McKinney	TX	52.59	51.89	322,181	198,638	$62.20	14,958,207
40	Sandy Spring Bancorp, Inc.	Olney	MD	52.61	54.43	178,927	179,422	-$0.28	8,629,002
41	E*TRADE Financial Corporation	Arlington	VA	52.99	52.54	1,603,505	1,532,075	$4.66	61,416,142
42	First Merchants Corporation	Muncie	IN	53.10	50.55	245,215	219,884	$11.52	12,457,254
43	First Financial Bancorp.	Cincinnati	OH	53.23	56.53	338,980	321,621	$5.40	14,511,625
44	Texas Capital Bancshares, Inc.	Dallas	TX	53.50	52.11	566,650	517,110	$9.58	32,548,132
45	Great Southern Bancorp, Inc.	Springfield	MO	53.54	54.95	114,966	114,082	$0.77	5,015,969
46	Meridian Bancorp, Inc.	Peabody	MA	53.71	53.53	101,084	95,939	$5.36	6,344,009
47	BankUnited, Inc.	Miami Lakes	FL	53.91	61.51	483,896	738,391	-$34.47	32,871,293
48	Capital One Financial Corporation	McLean	VA	53.98	51.92	15,493,973	14,872,444	$4.18	390,364,866
49	IBERIABANK Corporation	Lafayette	LA	54.14	57.58	684,444	727,446	-$5.91	31,713,450
50	Provident Financial Services, Inc.	Jersey City	NJ	54.21	52.29	201,424	192,238	$4.78	9,808,577
51	TD Group US Holdings LLC	Wilmington	DE	54.37	56.37	6,813,581	6,691,231	$1.83	408,604,662
52	Hope Bancorp, Inc.	Los Angeles	CA	54.45	50.59	282,889	280,925	$0.70	15,667,729
53	FirstBank Holding Company	Lakewood	CO	54.54	53.39	435,809	412,298	$5.70	19,971,312
54	Independent Bank Corp.	Rockland	MA	54.58	57.67	284,342	227,239	$25.13	11,402,982
55	CIBC Bancorp USA Inc.	Chicago	IL	54.67	60.35	986,127	940,695	$4.83	47,192,950
	Valley National Bancorp	Wayne	NJ	54.67	61.19	631,311	629,829	$0.24	37,453,416
57	Charles Schwab Corporation	San Francisco	CA	54.75	54.63	5,909,000	5,569,000	$6.11	294,005,000
58	Pinnacle Bancorp, Inc.	Elkhorn	NE	54.83	56.76	273,421	262,049	$4.34	12,275,530
59	S&T Bancorp, Inc.	Indiana	PA	54.85	50.16	166,663	144,970	$14.96	8,764,649
60	United Community Banks, Inc.	Blairsville	GA	54.87	56.19	321,613	306,756	$4.84	12,918,667
61	CTBC Capital Corp.	Los Angeles	CA	54.88	55.26	67,296	69,248	-$2.82	3,665,144
62	Brookline Bancorp, Inc.	Boston	MA	54.98	56.08	157,003	155,041	$1.27	7,875,295
63	Enterprise Financial Services Corp	Clayton	MO	55.07	50.38	164,336	118,813	$38.31	7,333,791
64	U.S. Bancorp	Minneapolis	MN	55.08	54.36	12,791,000	12,460,000	$2.66	495,426,000
65	M&T Bank Corporation	Buffalo	NY	55.11	54.44	3,392,488	3,242,320	$4.63	119,872,757
66	First BanCorp.	San Juan	PR	55.12	56.21	375,825	356,687	$5.37	12,611,266
67	First Bancorp	Southern Pines	NC	55.16	56.30	158,567	159,090	-$0.33	6,144,457
68	Bank of Hawaii Corporation	Honolulu	HI	55.18	55.91	379,189	371,175	$2.16	18,095,496
69	Republic Bancorp, Inc.	Louisville	KY	55.19	56.43	172,182	163,852	$5.08	5,620,318
70	Synovus Financial Corp.	Columbus	GA	55.36	57.80	1,095,922	826,001	$32.68	48,203,282
71	Fifth Third Bancorp	Cincinnati	OH	55.37	56.11	4,647,128	3,924,855	$18.40	169,369,169
72	F.N.B. Corporation	Pittsburgh	PA	55.60	55.48	694,700	691,069	$0.53	34,619,626
73	Central Bancompany, Inc.	Jefferson City	MO	55.74	56.59	359,792	330,814	$8.76	14,994,431
74	Popular, Inc.	Hato Rey	PR	55.91	55.75	1,503,000	1,420,000	$5.85	52,115,000
75	Columbia Banking System, Inc.	Tacoma	WA	56.12	56.88	351,453	344,080	$2.14	14,079,630
76	Commerce Bancshares, Inc.	Kansas City	MO	56.22	54.42	766,897	738,858	$3.79	26,083,903
77	Lakeland Bancorp, Inc.	Oak Ridge	NJ	56.38	56.16	126,756	111,167	$14.02	6,712,128
78	Webster Financial Corporation	Waterbury	CT	56.45	58.59	716,625	706,272	$1.47	30,423,561
79	OFG Bancorp	San Juan	PR	56.53	50.17	228,974	200,869	$13.99	9,297,660
80	BancFirst Corporation	Oklahoma City	OK	56.69	56.61	242,421	222,053	$9.17	8,565,776
81	JPMorgan Chase & Co.	New York	NY	56.76	57.53	66,224,000	63,447,000	$4.38	2,687,379,000
82	Huntington Bancshares Incorporated	Columbus	OH	56.88	57.00	2,731,116	2,647,334	$3.16	109,001,821
83	Cullen/Frost Bankers, Inc.	San Antonio	TX	56.89	55.31	833,504	776,771	$7.30	34,096,890
84	First Midwest Bancorp, Inc.	Chicago	IL	56.92	61.20	439,786	411,975	$6.75	17,850,397
85	CenterState Bank Corporation	Winter Haven	FL	57.06	57.97	445,012	311,113	$43.04	17,142,025
86	Apple Financial Holdings, Inc.	New York	NY	57.26	58.46	198,429	201,204	-$1.38	15,808,186
87	German American Bancorp, Inc.	Jasper	IN	57.41	59.72	114,162	93,553	$22.03	4,399,008
88	Discount Bancorp, Inc.	New York	NY	57.61	57.70	190,199	182,151	$4.42	9,777,011
89	Citigroup Inc.	New York	NY	57.63	57.81	42,598,000	42,913,000	-$0.73	1,951,158,000
90	TrustCo Bank Corp NY	Glenville	NY	57.65	56.09	104,387	103,722	$0.64	5,221,902
91	First Commonwealth Financial Corporation	Indiana	PA	57.69	57.34	208,056	194,380	$7.04	8,308,773
	Glacier Bancorp, Inc.	Kalispell	MT	57.69	55.00	372,486	318,154	$17.08	13,683,999
93	Heritage Commerce Corp	San Jose	CA	57.87	55.77	84,901	75,521	$12.42	4,109,463
94	WesBanco, Inc.	Wheeling	WV	57.95	56.78	311,200	264,327	$17.73	15,719,289
95	1st Source Corporation	South Bend	IN	58.32	59.84	191,312	187,411	$2.08	6,623,266
96	Citizens Financial Group, Inc.	Providence	RI	58.38	59.02	3,800,106	3,623,057	$4.89	166,089,890
97	First Mid Bancshares, Inc.	Mattoon	IL	58.41	58.62	111,806	90,355	$23.74	3,839,426
98	Regions Financial Corporation	Birmingham	AL	58.66	61.47	3,535,000	3,638,212	-$2.84	126,633,000
99	Investors Bancorp, Inc.	Short Hills	NJ	58.80	56.06	422,118	407,049	$3.70	26,772,548
100	PNC Financial Services Group, Inc.	Pittsburgh	PA	58.88	59.11	10,601,448	10,283,796	$3.09	410,373,281
101	Bank Leumi Le-Israel Corporation	New York	NY	59.15	59.70	176,998	176,511	$0.28	6,884,682
102	Atlantic Union Bankshares Corporation	Richmond	VA	59.16	60.26	417,303	337,612	$23.60	17,563,450
103	SNBNY Holdings Limited	Gibraltar		59.22	53.91	149,275	140,065	$6.58	8,300,396
104	Bank of America Corporation	Charlotte	NC	59.48	57.65	54,035,000	53,452,000	$1.09	2,434,079,000
105	First Interstate BancSystem, Inc.	Billings	MT	59.50	60.53	393,886	353,250	$11.50	14,644,087
106	Simmons First National Corporation	Pine Bluff	AR	59.71	54.96	469,076	401,119	$16.94	21,264,536
107	Umpqua Holdings Corporation	Portland	OR	59.77	59.68	714,949	735,499	-$2.79	28,846,809
108	KeyCorp	Cleveland	OH	59.78	60.25	3,900,483	3,972,823	-$1.82	145,569,632
109	NBT Bancorp Inc.	Norwich	NY	59.83	59.42	274,517	264,978	$3.60	9,715,925
110	Dime Community Bancshares, Inc.	Brooklyn	NY	59.92	56.07	95,153	86,640	$9.83	6,354,460
111	First Foundation Inc.	Irvine	CA	60.12	65.44	129,903	127,102	$2.20	6,314,470
112	Bremer Financial Corporation	Saint Paul	MN	60.27	62.98	320,191	325,762	-$1.71	13,168,902
113	People's United Financial, Inc.	Bridgeport	CT	60.28	59.43	1,157,159	994,366	$16.37	58,579,620
114	Community Bank System, Inc.	De Witt	NY	60.35	57.12	369,824	343,454	$7.68	11,410,295
115	Midland Financial Co.	Oklahoma City	OK	60.39	59.95	444,821	405,993	$9.56	23,005,630
116	Old National Bancorp	Evansville	IN	60.43	67.73	509,232	517,209	-$1.54	20,411,698
117	Renasant Corporation	Tupelo	MS	60.58	61.62	372,126	342,064	$8.79	13,400,618
118	BOK Financial Corporation	Tulsa	OK	60.59	61.95	1,094,063	986,685	$10.88	42,323,681
119	Santander Holdings USA, Inc.	Boston	MA	60.75	57.97	6,366,505	5,818,874	$9.41	149,499,477
120	Truist Financial Corporation	Charlotte	NC	60.83	58.11	7,917,000	6,896,000	$14.81	473,078,000
121	Univest Financial Corporation	Souderton	PA	60.95	61.14	146,083	137,239	$6.44	5,380,924
122	South State Corporation	Columbia	SC	61.20	62.16	416,246	433,747	-$4.03	15,921,092
123	First Busey Corporation	Champaign	IL	61.33	56.25	258,854	193,408	$33.84	9,695,729
124	Hanmi Financial Corporation	Los Angeles	CA	61.51	56.71	122,895	117,346	$4.73	5,538,184
125	TriState Capital Holdings, Inc.	Pittsburgh	PA	61.64	61.12	112,149	101,157	$10.87	7,765,810
126	Hancock Whitney Corporation	Gulfport	MS	61.95	59.15	789,364	719,749	$9.67	30,619,716
127	Ally Financial Inc.	Detroit	MI	62.01	62.63	4,482,000	4,380,000	$2.33	180,644,000
128	OceanFirst Financial Corp.	Toms River	NJ	62.10	66.97	190,251	193,456	-$1.66	8,259,869
129	Central Pacific Financial Corp.	Honolulu	HI	62.20	61.75	141,608	134,187	$5.53	6,012,672
130	National Bank Holdings Corporation	Greenwood Village	CO	62.28	68.65	188,533	189,334	-$0.42	5,895,512
131	Banner Corporation	Walla Walla	WA	62.46	64.16	357,617	340,858	$4.92	12,604,031
132	Wintrust Financial Corporation	Rosemont	IL	62.52	61.66	926,561	821,584	$12.78	36,607,723
133	Berkshire Hills Bancorp, Inc.	Boston	MA	62.70	63.46	288,649	308,814	-$6.53	13,216,924
134	Business First Bancshares, Inc.	Baton Rouge	LA	62.75	70.64	57,699	50,381	$14.53	2,275,580
135	Tompkins Financial Corporation	Ithaca	NY	62.76	61.51	181,834	181,067	$0.42	6,725,623
136	Heartland Financial USA, Inc.	Dubuque	IA	62.93	65.10	367,574	351,681	$4.52	13,209,597
137	W.T.B. Financial Corporation	Spokane	WA	63.23	62.74	193,261	180,121	$7.30	7,164,664
138	Midland States Bancorp, Inc.	Effingham	IL	63.28	72.85	175,641	191,643	-$8.35	6,087,017
139	BBVA USA Bancshares, Inc.	Houston	TX	63.63	63.10	2,863,566	2,349,458	$21.88	93,603,606
140	Columbia Bank MHC	Fair Lawn	NJ	63.66	78.19	126,822	144,130	-$12.01	8,187,283
141	Associated Banc-Corp	Green Bay	WI	63.71	64.92	791,188	821,221	-$3.66	32,386,478
142	Ameris Bancorp	Atlanta	GA	63.72	60.13	463,164	285,215	$62.39	18,242,579
143	Northwest Bancshares, Inc.	Warren	PA	63.94	63.53	311,148	287,244	$8.32	10,638,226
144	Customers Bancorp, Inc.	Wyomissing	PA	64.50	64.79	231,476	219,774	$5.32	11,520,717
145	First Horizon National Corporation	Memphis	TN	64.59	68.57	1,229,126	1,217,061	$0.99	43,313,503
146	Fulton Financial Corporation	Lancaster	PA	64.80	65.19	565,538	546,862	$3.42	21,861,927
147	Beal Financial Corporation	Plano	TX	65.22	39.87	144,617	205,196	-$29.52	6,993,000
148	Bank of New York Mellon Corporation	New York	NY	65.30	67.03	10,888,000	11,211,000	-$2.88	381,508,000
149	Kearny Financial Corp.	Fairfield	NJ	65.43	66.12	108,186	107,529	$0.61	6,610,401
150	INTRUST Financial Corporation	Wichita	KS	65.54	65.28	153,545	140,778	$9.07	5,695,664
151	Spend Life Wisely Company, Inc.	Durant	OK	65.96	65.70	274,292	246,721	$11.17	8,142,204
	Third Federal Savings and Loan Association of Cleveland, MHC	Cleveland	OH	65.96	64.16	189,256	191,100	-$0.96	14,806,136
153	FB Financial Corporation	Nashville	TN	66.15	65.44	244,539	223,165	$9.58	6,124,921
154	WSFS Financial Corporation	Wilmington	DE	66.32	58.13	411,981	235,285	$75.10	12,256,302
155	Park National Corporation	Newark	OH	66.54	61.68	263,988	228,755	$15.40	8,562,741
156	First Citizens BancShares, Inc.	Raleigh	NC	66.64	67.90	1,247,865	1,201,715	$3.84	39,824,496
157	Flushing Financial Corporation	Uniondale	NY	66.94	61.61	114,683	111,021	$3.30	7,017,776
158	Northern Trust Corporation	Chicago	IL	67.48	66.72	4,138,099	4,022,861	$2.86	136,828,388
159	Dollar Mutual Bancorp	Pittsburgh	PA	67.51	67.81	205,275	196,270	$4.59	9,043,235
160	BMO Financial Corp.	Chicago	IL	67.60	71.75	3,729,610	3,581,916	$4.12	172,874,960
161	CIT Group Inc.	New York	NY	67.63	66.61	1,601,153	1,657,158	-$3.38	50,832,836
162	Goldman Sachs Group, Inc.	New York	NY	67.67	63.57	24,973,000	23,481,000	$6.35	992,996,000
	Trustmark Corporation	Jackson	MS	67.67	66.42	426,167	414,416	$2.84	13,497,877
164	Triumph Bancorp, Inc.	Dallas	TX	67.76	63.81	204,083	167,354	$21.95	5,060,297
165	South Central Bancshares of Kentucky, Inc.	Glasgow	KY	68.35	70.70	36,512	35,061	$4.14	1,276,049
166	Eastern Bank Corporation	Boston	MA	68.73	68.36	415,973	397,567	$4.63	11,630,179
167	Boston Private Financial Holdings, Inc.	Boston	MA	68.76	68.09	230,173	267,062	-$13.81	8,831,664
168	VeraBank, Inc.	Henderson	TX	68.93	70.22	79,520	75,632	$5.14	2,413,252
169	Bancorp, Inc.	Wilmington	DE	68.95	57.79	175,227	172,132	$1.80	5,658,570
170	UMB Financial Corporation	Kansas City	MO	69.15	69.02	778,860	717,800	$8.51	26,561,355
171	Wells Fargo & Company	San Francisco	CA	69.27	63.74	58,344,000	56,272,000	$3.68	1,927,555,000
172	John Deere Capital Corporation	Reno	NV	69.55	64.55	1,273,865	1,130,079	$12.72	39,448,440
173	FB Corporation	Creve Coeur	MO	69.60	64.02	169,466	169,673	-$0.12	6,216,107
174	EB Acquisition Company, LLC	Dallas	TX	70.10	63.23	316,206	183,817	$72.02	17,204,194
175	Barclays US LLC	New York	NY	71.86	85.94	7,037,000	7,918,000	-$11.13	149,420,000
176	Morgan Stanley	New York	NY	72.05	71.21	30,097,000	28,825,000	$4.41	895,429,000
177	American Express Company	New York	NY	72.41	71.11	31,607,000	28,927,000	$9.26	198,314,000
178	Banc of California, Inc.	Santa Ana	CA	72.66	74.71	193,909	233,242	-$16.86	7,828,409
179	New York Private Bank & Trust Corporation	New York	NY	72.83	71.49	217,978	233,262	-$6.55	5,984,318
180	State Street Corporation	Boston	MA	74.78	72.65	9,048,000	8,972,905	$0.84	245,610,000
181	Flagstar Bancorp, Inc.	Troy	MI	74.91	75.32	886,557	701,735	$26.34	23,265,010
182	TCF Financial Corporation	Detroit	MI	75.32	68.77	1,338,718	1,015,988	$31.77	46,671,889
183	Arvest Bank Group, Inc.	Bentonville	AR	76.00	73.77	915,395	841,906	$8.73	19,467,233
184	Amerant Bancorp Inc.	Coral Gables	FL	77.07	76.94	206,946	212,049	-$2.41	7,985,399
185	Chesapeake Financial Shares, Inc.	Kilmarnock	VA	77.91	75.27	49,718	45,328	$9.68	958,306
186	MUFG Americas Holdings Corporation	New York	NY	78.42	77.70	6,180,849	4,301,940	$43.68	170,809,743
187	RBC US Group Holdings LLC	Toronto		78.75	77.95	5,911,660	4,998,802	$18.26	139,634,242
188	SMBC Americas Holdings, Inc.	New York	NY	79.13	NA	703,913	NA	NA	22,849,636
189	Live Oak Bancshares, Inc.	Wilmington	NC	79.55	71.97	164,898	152,637	$8.03	4,814,969
190	Woodforest Financial Group, Inc.	The Woodlands	TX	79.98	79.56	569,058	541,697	$5.05	6,480,808
191	Hilltop Holdings Inc.	Dallas	TX	80.74	87.66	1,339,838	1,294,701	$3.49	15,172,448
192	HomeStreet, Inc.	Seattle	WA	80.78	88.29	214,526	385,067	-$44.29	6,812,435
193	Mizuho Americas LLC	New York	NY	81.00	89.70	1,296,000	1,149,000	$12.79	43,785,000
194	Bessemer Group, Incorporated	New York	NY	81.04	76.12	550,203	447,910	$22.84	3,348,010
195	Stifel Financial Corp.	Saint Louis	MO	81.07	80.84	2,727,914	2,472,152	$10.35	24,610,225
196	Raymond James Financial, Inc.	Saint Petersburg	FL	81.87	81.31	6,530,907	6,074,343	$7.52	40,153,995
197	Ameriprise Financial, Inc.	Minneapolis	MN	82.04	NA	10,519,182	NA	NA	151,849,645
198	BNP Paribas USA, Inc.	New York	NY	83.34	71.06	3,554,633	3,824,119	-$7.05	125,300,535
199	United Services Automobile Association	San Antonio	TX	85.74	88.82	30,323,778	28,395,043	$6.79	173,791,532
200	First American Financial Corporation	Santa Ana	CA	85.86	87.92	5,252,221	5,098,049	$3.02	11,519,167

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of May. 21, 2020, are included. *Noninterest expense divided by (total income minus interest expense)

Figures for prior periods are not adjusted for mergers and acquisitions.

Source:

https://www.spglobal.com/en/