Most Efficient Bank Holding Companies

April 19, 2021, 11:48 a.m. EDT 1 Min Read

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Rank	Company	City	State	Efficiency Ratio (YTD)* Dec. 2020	Efficiency Ratio (YTD)* Dec. 2019	Noninterest Expense (YTD) 'Dec. 2020	Noninterest Expense (YTD) 'Dec. 2019	Change	Assets 'Dec. 2020
1	Merchants Bancorp	Carmel	Ind.	24.20	NA	$27,463	$18,653	$47.23	$9,645,375
2	Cadence Bancorporation	Houston	Tex.	27.31	48.72	103,731	100,405	$3.31	18,712,611
3	ServisFirst Bancshares, Inc.	Birmingham	Ala.	28.02	31	28,177	25,619	$9.98	11,932,654
4	Synchrony Financial	Stamford	Conn.	34.02	32.37	1,000,000	1,080,000	-$7.41	95,948,000
5	Western Alliance Bancorporation	Phoenix	Ariz.	38.60	43.84	132,439	128,831	$2.80	36,461,042
6	CVB Financial Corp.	Ontario	Calif.	38.67	38.83	48,205	49,066	-$1.75	14,419,314
7	Eagle Bancorp, Inc.	Bethesda	Md.	38.68	39.37	35,403	34,723	$1.96	11,117,802
8	ConnectOne Bancorp, Inc.	Englewood Cliffs	N.J.	39.47	43.51	26,402	22,197	$18.94	7,547,339
9	Prosperity Bancshares, Inc.	Houston	Tex.	39.64	57.28	120,074	156,167	-$23.11	34,081,168
10	Home Bancshares, Inc. (Conway, AR)	Conway	Ark.	39.88	41.14	73,899	71,001	$4.08	16,398,804
11	PacWest Bancorp	Beverly Hills	Calif.	40.66	44.55	124,983	128,984	-$3.10	29,498,442
12	New York Community Bancorp, Inc.	Westbury	N.Y.	41.36	48.45	133,568	126,096	$5.93	56,306,120
13	TD Group US Holdings LLC	Wilmington	Del.	42.64	55.07	1,881,775	1,705,905	$10.31	507,327,229
14	First Security Bancorp	Searcy	Ark.	43.23	47.58	39,585	36,525	$8.38	7,456,210
15	Westamerica Bancorporation	San Rafael	Calif.	43.32	47.03	25,121	24,851	$1.09	6,753,866
16	East West Bancorp, Inc.	Pasadena	Calif.	43.59	44.07	182,192	190,692	-$4.46	52,156,913
17	International Bancshares Corporation	Laredo	Tex.	43.75	59.70	56,958	75,199	-$24.26	14,029,467
18	Meridian Bancorp, Inc.	Peabody	Mass.	44.10	53.86	24,612	25,549	-$3.67	6,620,116
19	Midland Financial Co.	Oklahoma City	Okla.	44.77	57.12	139,266	120,541	$15.53	29,640,441
20	Discover Financial Services	Riverwoods	Ill.	45.08	40.09	1,269,355	1,185,407	$7.08	112,888,649
21	Axos Financial, Inc.	Las Vegas	Nev.	45.14	55.21	76,324	66,105	$15.46	14,393,267
22	Sandy Spring Bancorp, Inc.	Olney	Md.	45.45	53.81	61,665	46,091	$33.79	12,798,429
23	Great Western Bancorp, Inc.	Sioux Falls	S.D.	46.80	46.23	57,474	57,103	$0.65	12,814,383
24	Independent Bank Group, Inc.	McKinney	Tex.	46.90	52.28	75,233	80,381	-$6.40	17,753,476
25	Amarillo National Bancorp, Inc.	Amarillo	Tex.	47.79	NA	37,731	34,688	$8.77	7,077,910
26	Johnson Financial Group, Inc.	Racine	Wis.	48.41	NA	56,438	53,741	$5.02	6,017,397
27	Customers Bancorp, Inc.	West Reading	Pa.	48.79	56.45	71,109	58,490	$21.57	18,439,248
28	Southside Bancshares, Inc.	Tyler	Tex.	49.04	53.24	31,556	30,351	$3.97	7,008,227
29	First Foundation Inc.	Dallas	Tex.	49.19	57.73	31,504	31,756	-$0.79	6,959,843
30	The Goldman Sachs Group, Inc.	New York	N.Y.	49.38	72.69	5,849,000	7,305,000	-$19.93	1,163,040,000
31	Seacoast Banking Corporation of Florida	Stuart	Fla.	49.50	48.50	42,239	38,261	$10.40	8,342,392
32	First Hawaiian, Inc.	Honolulu	Hawaii	49.82	48.83	94,127	91,058	$3.37	22,662,831
33	Cathay General Bancorp	Los Angeles	Calif.	49.84	46.57	74,755	70,382	$6.21	19,043,134
34	Sterling Bancorp	Pearl River	N.Y.	49.85	42.49	133,353	118,192	$12.83	29,820,138
35	People's United Financial, Inc.	Bridgeport	Conn.	49.96	61.36	646,069	323,409	$99.77	63,100,859
36	Valley National Bancorp	New York	N.Y.	50.03	68.83	174,133	196,099	-$11.20	40,686,076
37	Hanmi Financial Corporation	Los Angeles	Calif.	50.16	65.94	27,968	32,318	-$13.46	6,201,888
38	VeraBank, Inc.	Henderson	Tex.	50.25	67.53	19,358	19,765	-$2.06	2,982,627
39	First Financial Bankshares, Inc.	Abilene	Tex.	50.31	49.51	65,676	51,938	$26.45	10,904,500
40	Glacier Bancorp, Inc.	Kalispell	Mont.	50.51	54.95	111,158	94,351	$17.81	18,504,206
41	Enterprise Financial Services Corp	Clayton	Mo.	50.94	47.78	50,600	38,008	$33.13	9,751,571
42	Pinnacle Financial Partners, Inc.	Nashville	Tenn.	51.96	52.28	162,293	130,060	$24.78	34,932,860
43	Beal Financial Corporation	Plano	Tex.	52.10	36.20	88,166	49,851	$76.86	8,873,994
44	New York Private Bank & Trust Corporation	New York	N.Y.	52.46	60.37	65,491	63,784	$2.68	6,302,881
45	Capitol Federal Financial, Inc.	Topeka	Kan.	52.57	48.38	26,587	26,941	-$1.31	9,626,058
46	Columbia Banking System, Inc.	Tacoma	Wash.	52.83	56.79	85,726	88,367	-$2.99	16,584,848
47	Pinnacle Bancorp, Inc.	Elkhorn	Neb.	53.05	54.68	78,320	70,034	$11.83	14,753,226
48	Hope Bancorp, Inc.	Los Angeles	Calif.	53.14	54.95	70,647	69,915	$1.05	17,106,976
49	United Bankshares, Inc.	Charleston	W.Va.	53.19	52.78	152,471	95,790	$59.17	26,184,247
50	BankUnited, Inc.	Miami Lakes	Fla.	53.38	54.00	120,725	119,269	$1.22	35,016,387
51	Brookline Bancorp, Inc.	Boston	Mass.	53.55	53.58	39,117	38,739	$0.98	8,957,870
52	M&T Bank Corporation	Buffalo	N.Y.	53.88	53.02	821,966	819,617	$0.29	142,601,105
53	First Bancorp	Southern Pines	N.C.	54.07	55.80	42,872	40,174	$6.72	7,290,322
54	First Merchants Corporation	Muncie	Ind.	54.11	51.25	73,392	65,527	$12.00	14,067,210
	JPMorgan Chase & Co.	New York	N.Y.	54.11	57.85	15,911,000	16,584,000	-$4.06	3,386,071,000
56	WSFS Financial Corporation	Wilmington	Del.	54.39	59.76	92,861	97,843	-$5.09	14,333,914
57	Central Bancompany, Inc.	Jefferson City	Mo.	54.61	56.60	112,008	98,456	$13.76	18,319,463
58	Century Bancorp, Inc.	Medford	Mass.	54.67	NA	20,098	18,177	$10.57	6,358,834
59	S&T Bancorp, Inc.	Indiana	Pa.	54.76	62.17	47,795	50,076	-$4.56	8,967,897
60	SNBNY Holdings Limited	Gibraltar	#N/A	54.80	55.71	41,422	35,610	$16.32	9,622,777
61	Ameris Bancorp	Atlanta	Ga.	54.84	54.86	155,393	120,899	$28.53	20,438,657
62	WesBanco, Inc.	Wheeling	W.Va.	54.93	63.69	87,591	91,484	-$4.26	16,424,793
63	United Community Banks, Inc.	Blairsville	Ga.	55.36	54.09	104,426	81,111	$28.74	17,796,155
64	Capital One Financial Corporation	McLean	Va.	55.38	55.39	4,007,828	4,142,265	-$3.25	421,602,066
65	Horizon Bancorp, Inc.	Michigan City	Ind.	55.45	NA	36,453	30,650	$18.93	5,886,614
66	Texas Capital Bancshares, Inc.	Dallas	Tex.	55.57	58.67	140,229	156,017	-$10.12	37,726,096
	The Bancorp, Inc.	Wilmington	Del.	55.57	78.33	41,987	30,278	$38.67	6,277,433
68	Commerce Bancshares, Inc.	Kansas City	Mo.	55.89	55.71	198,796	195,408	$1.73	32,942,648
69	1st Source Corporation	South Bend	Ind.	55.90	61.02	49,780	49,624	$0.31	7,322,629
70	FirstBank Holding Company	Lakewood	Colo.	56.02	53.60	112,317	106,253	$5.71	24,470,941
71	BancFirst Corporation	Oklahoma City	Okla.	56.08	59.37	65,317	67,007	-$2.52	9,212,368
72	Banc of California, Inc.	Santa Ana	Calif.	56.18	75.67	38,670	46,659	-$17.12	7,877,334
73	Washington Trust Bancorp, Inc.	Westerly	R.I.	56.20	NA	34,052	27,829	$22.36	5,714,753
74	Pacific Premier Bancorp, Inc.	Irvine	Calif.	56.40	51.38	109,358	65,869	$66.02	19,736,544
75	First Commonwealth Financial Corporation	Indiana	Pa.	56.74	56.70	54,156	52,740	$2.68	9,068,104
76	BMO Financial Corp.	Chicago	Ill.	56.91	73.03	892,599	1,019,490	-$12.45	184,653,995
77	Origin Bancorp, Inc.	Ruston	La.	56.93	NA	38,469	35,700	$7.76	7,628,504
78	Umpqua Holdings Corporation	Portland	Ore.	57.34	58.30	207,534	183,216	$13.27	29,235,175
79	Synovus Financial Corp.	Columbus	Ga.	57.43	52.57	289,091	265,631	$8.83	54,394,159
80	Associated Banc-Corp	Green Bay	Wis.	57.50	67.25	159,899	202,264	-$20.95	33,419,783
81	Provident Financial Services, Inc.	Jersey City	N.J.	57.67	57.94	64,239	53,697	$19.63	12,919,741
82	National Bank Holdings Corporation	Greenwood Village	Colo.	57.87	63.66	48,437	46,100	$5.07	6,659,950
83	CIBC Bancorp USA Inc.	Chicago	Ill.	58.00	63.49	280,619	288,086	-$2.59	56,758,933
84	Huntington Bancshares Incorporated	Columbus	Ohio	58.12	58.88	730,017	705,497	$3.48	123,037,648
85	TriCo Bancshares	Chico	Calif.	58.17	NA	45,891	46,965	-$2.29	7,639,529
86	Hancock Whitney Corporation	Gulfport	Miss.	58.22	61.48	193,064	203,016	-$4.90	33,640,092
87	Regions Financial Corporation	Birmingham	Ala.	58.32	59.73	989,000	900,000	$9.89	147,598,000
88	First Interstate BancSystem, Inc.	Billings	Mont.	58.52	55.02	97,913	91,138	$7.43	17,648,707
89	Heritage Financial Corporation	Olympia	Wash.	58.56	NA	38,516	35,932	$7.19	6,615,318
90	Columbia Bank MHC	Fair Lawn	N.J.	58.60	65.24	38,382	35,457	$8.25	8,795,190
91	Popular, Inc.	Hato Rey	P.R.	58.66	58.78	393,000	397,000	-$1.01	65,926,000
92	TrustCo Bank Corp NY	Glenville	N.Y.	58.83	58.17	26,331	25,674	$2.56	5,901,962
93	EB Acquisition Company II LLC	Dallas	Tex.	58.85	NA	99,562	108,966	-$8.63	19,127,228
	EB Acquisition Company, LLC	Dallas	Tex.	58.85	58.88	99,562	108,956	-$8.62	19,127,228
95	INTRUST Financial Corporation	Wichita	Kan.	58.95	63.94	36,475	38,505	-$5.27	7,556,705
	Spend Life Wisely Company, Inc.	Durant	Okla.	58.95	68.22	85,082	72,227	$17.80	10,567,697
97	QCR Holdings, Inc.	Moline	Ill.	58.97	NA	46,364	46,319	$0.10	5,682,797
98	BBVA USA Bancshares, Inc.	Houston	Tex.	58.98	67.94	577,576	1,086,403	-$46.84	102,756,203
	Heartland Financial USA, Inc.	Dubuque	Iowa	58.98	63.23	97,599	91,348	$6.84	17,908,339
100	Bank of Hawaii Corporation	Honolulu	Hawaii	59.02	53.82	97,221	92,960	$4.58	20,603,651
101	Kearny Financial Corp.	Fairfield	N.J.	59.27	66.50	30,509	26,426	$15.45	7,335,153
102	Veritex Holdings, Inc.	Dallas	Tex.	59.59	NA	47,590	34,112	$39.51	8,820,871
103	U.S. Bancorp	Minneapolis	Minn.	59.63	59.45	3,457,000	3,397,000	$1.77	553,905,000
104	W.T.B. Financial Corporation	Spokane	Wash.	59.66	64.50	57,986	52,735	$9.96	9,813,963
105	BCI Financial Group, Inc.	Miami	Fla.	59.72	44.09	96,087	62,363	$54.08	18,622,588
106	Tompkins Financial Corporation	Ithaca	N.Y.	59.76	63.68	46,405	45,900	$1.10	7,622,171
107	First Busey Corporation	Champaign	Ill.	59.79	62.33	64,254	65,510	-$1.92	10,544,047
108	Washington Federal, Inc.	Seattle	Wash.	59.94	49.17	80,833	81,537	-$0.86	19,063,622
109	First Horizon Corporation	Memphis	Tenn.	60.08	64.74	505,667	325,840	$55.19	84,211,332
110	Bank Leumi Le-Israel Corporation	New York	N.Y.	60.10	64.37	46,923	48,808	-$3.86	7,224,089
111	Salem Five Bancorp	Salem	Mass.	60.12	NA	34,177	29,060	$17.61	5,636,898
112	Community Bank System, Inc.	Onondaga	N.Y.	60.16	60.43	94,013	94,732	-$0.76	13,931,094
113	KeyCorp	Cleveland	Ohio	60.33	59.18	1,125,042	982,880	$14.46	171,371,230
114	Flagstar Bancorp, Inc.	Troy	Mich.	60.68	77.82	322,774	244,351	$32.09	31,037,752
115	SVB Financial Group	Santa Clara	Calif.	60.71	55.28	683,734	464,905	$47.07	116,046,446
116	NexBank Capital, Inc.	Dallas	Tex.	60.98	38.30	18,158	19,663	-$7.65	9,161,016
117	Citizens Financial Group, Inc.	Providence	R.I.	60.99	60.09	1,045,247	985,775	$6.03	183,728,540
118	BOK Financial Corporation	Tulsa	Okla.	61.01	62.59	298,072	277,600	$7.37	46,733,184
119	Independent Bank Corp.	Rockland	Mass.	61.04	49.21	73,793	67,624	$9.12	13,205,474
120	The Charles Schwab Corporation	Westlake	Tex.	61.08	57.19	2,700,000	1,501,000	$79.88	549,009,000
121	Santander Holdings USA, Inc.	Boston	Mass.	61.23	64.99	1,621,110	1,649,210	-$1.70	149,432,676
122	John Deere Capital Corporation	Reno	Nev.	61.43	86.75	326,985	406,900	-$19.64	40,126,996
123	State Bankshares, Inc.	Fargo	N.D.	61.57	61.53	110,422	68,311	$61.65	8,846,971
124	Lakeland Bancorp, Inc.	Oak Ridge	N.J.	61.71	54.18	38,008	31,523	$20.57	7,665,430
125	Fifth Third Bancorp	Cincinnati	Ohio	61.84	50.32	1,237,093	1,152,926	$7.30	204,679,933
126	First BanCorp.	Santurce	P.R.	62.00	59.78	136,287	101,603	$34.14	18,793,071
127	The PNC Financial Services Group, Inc.	Pittsburgh	Pa.	62.01	59.64	2,604,483	2,772,729	-$6.07	466,864,739
128	Investors Bancorp, Inc.	Short Hills	N.J.	62.15	56.15	146,514	106,659	$37.37	26,042,790
129	Byline Bancorp, Inc.	Chicago	Ill.	62.35	NA	43,872	43,919	-$0.11	6,390,652
	Comerica Incorporated	Dallas	Tex.	62.35	56.08	457,000	452,000	$1.11	88,320,000
131	Cullen/Frost Bankers, Inc.	San Antonio	Tex.	62.45	59.51	222,857	220,341	$1.14	42,428,372
132	Old National Bancorp	Evansville	Ind.	62.66	65.74	141,376	134,917	$4.79	22,960,647
133	Simmons First National Corporation	Pine Bluff	Ark.	62.75	64.12	132,801	144,413	-$8.04	22,366,938
134	NBT Bancorp Inc.	Norwich	N.Y.	62.79	61.07	75,104	70,071	$7.18	10,932,906
135	Barclays US LLC	New York	N.Y.	63.16	81.72	1,665,000	1,918,000	-$13.19	161,286,000
136	Arvest Bank Group, Inc.	Bentonville	Ark.	63.30	68.40	229,555	216,258	$6.15	24,390,299
137	F.N.B. Corporation	Pittsburgh	Pa.	63.44	57.08	192,005	176,743	$8.64	37,406,970
138	Third Federal Savings and Loan Association of Cleveland, MHC	Cleveland	Ohio	63.48	61.61	50,190	46,868	$7.09	14,572,778
139	HomeStreet, Inc.	Seattle	Wash.	63.54	78.14	64,267	52,689	$21.97	7,237,091
	OFG Bancorp	San Juan	P.R.	63.54	75.48	89,231	77,813	$14.67	9,826,011
141	Meta Financial Group, Inc.	Sioux Falls	S.D.	63.62	NA	74,242	77,282	-$3.93	7,264,447
142	Univest Financial Corporation	Souderton	Pa.	63.73	62.72	41,734	37,478	$11.36	6,336,496
143	Atlantic Union Bankshares Corporation	Richmond	Va.	63.99	53.75	119,677	94,221	$27.02	19,636,407
144	Ally Financial Inc.	Detroit	Mich.	64.32	62.03	1,318,000	1,147,000	$14.91	182,165,000
145	Banner Corporation	Walla Walla	Wash.	64.69	64.58	97,367	93,755	$3.85	15,031,623
146	Truist Financial Corporation	Charlotte	N.C.	64.82	66.97	3,836,000	2,575,000	$48.97	509,228,000
147	FB Financial Corporation	Nashville	Tenn.	65.55	65.80	110,059	62,598	$75.82	11,207,330
148	Boston Private Financial Holdings, Inc.	Boston	Mass.	65.59	69.34	57,967	58,436	-$0.80	10,048,823
149	First Midwest Bancorp, Inc.	Chicago	Ill.	65.62	57.99	118,637	116,306	$2.00	20,838,678
150	Trustmark Corporation	Jackson	Miss.	65.65	69.52	119,979	108,872	$10.20	16,551,840
151	Wintrust Financial Corporation	Rosemont	Ill.	66.36	65.78	279,951	249,626	$12.15	45,080,250
152	Republic Bancorp, Inc.	Louisville	Ky.	66.58	54.97	48,517	40,835	$18.81	6,168,325
153	First Financial Bancorp.	Cincinnati	Ohio	66.61	56.94	114,440	92,344	$23.93	15,973,134
154	Midland States Bancorp, Inc.	Effingham	Ill.	66.90	65.92	47,049	46,325	$1.56	6,868,540
155	Fremont Bancorporation	Fremont	Calif.	67.02	NA	51,772	39,414	$31.35	5,049,738
156	Morgan Stanley	New York	N.Y.	67.15	74.46	9,203,000	8,111,000	$13.46	1,115,862,000
157	Luther Burbank Corporation	Santa Rosa	Calif.	67.17	45.09	25,354	15,348	$65.19	6,906,104
158	Mizuho Americas LLC	New York	N.Y.	67.97	79.42	331,000	328,000	$0.91	45,622,000
159	TriState Capital Holdings, Inc.	Pittsburgh	Pa.	67.99	63.63	34,435	30,119	$14.33	9,896,816
160	First Citizens BancShares, Inc.	Raleigh	N.C.	68.18	70.25	346,482	326,901	$5.99	49,957,680
161	Central Pacific Financial Corp.	Honolulu	Hawaii	68.40	62.41	44,399	36,272	$22.41	6,594,583
162	Northwest Bancshares, Inc.	Warren	Pa.	68.80	65.01	100,068	80,749	$23.92	13,973,590
163	Bremer Financial Corporation	Saint Paul	Minn.	68.82	59.69	102,570	84,995	$20.68	15,770,370
164	Fulton Financial Corporation	Lancaster	Pa.	69.28	63.89	150,569	139,801	$7.70	25,874,628
165	Bank of America Corporation	Charlotte	N.C.	69.60	66.44	14,543,000	14,248,000	$2.07	2,819,627,000
166	FB Corporation	Creve Coeur	Mo.	69.83	73.65	45,510	44,261	$2.82	6,642,151
167	Renasant Corporation	Tupelo	Miss.	69.99	62.79	123,792	94,283	$31.30	14,929,612
168	UMB Financial Corporation	Kansas City	Mo.	70.64	69.99	225,969	203,450	$11.07	33,127,504
169	Citigroup Inc.	New York	N.Y.	70.84	58.68	11,715,000	10,662,000	$9.88	2,260,090,000
170	Park National Corporation	Newark	Ohio	71.09	77.56	85,661	71,231	$20.26	9,288,108
171	Berkshire Hills Bancorp, Inc.	Boston	Mass.	71.15	59.71	71,223	70,043	$1.68	12,841,403
172	OceanFirst Financial Corp.	Red Bank	N.J.	71.37	62.39	69,553	47,877	$45.27	11,450,269
173	Hilltop Holdings Inc.	Dallas	Tex.	71.83	81.65	398,131	336,911	$18.17	16,944,264
174	CIT Group Inc.	New York	N.Y.	71.93	63.26	601,039	371,259	$61.89	58,106,601
175	MUFG Americas Holdings Corporation	New York	N.Y.	73.17	74.47	1,081,970	1,116,351	-$3.08	167,845,574
176	SMBC Americas Holdings, Inc.	New York	N.Y.	73.20	104.24	184,783	317,105	-$41.73	22,053,296
177	TCF Financial Corporation	Detroit	Mich.	73.74	72.19	368,416	417,205	-$11.69	47,829,379
178	Webster Financial Corporation	Waterbury	Conn.	73.79	57.94	220,394	179,631	$22.69	32,639,853
179	Dollar Mutual Bancorp	Pittsburgh	Pa.	74.05	67.96	54,609	52,430	$4.16	9,926,799
180	South State Corporation	Winter Haven	Fla.	74.11	60.36	284,716	103,448	$175.23	37,789,873
181	The Bank of New York Mellon Corporation	New York	N.Y.	75.14	61.03	2,912,000	2,960,000	-$1.62	469,633,000
182	BNP Paribas USA, Inc.	New York	N.Y.	75.23	86.49	926,100	954,487	-$2.97	135,419,317
183	Woodforest Financial Group, Inc.	The Woodlands	Tex.	75.42	81.55	122,508	140,877	-$13.04	8,560,154
184	Northern Trust Corporation	Chicago	Ill.	75.85	68.43	1,167,279	1,070,142	$9.08	170,003,912
185	State Street Corporation	Boston	Mass.	76.28	77.08	2,284,000	2,412,000	-$5.31	314,706,000
186	UBS Americas Holding LLC	New York	N.Y.	76.70	91.03	2,684,457	2,749,047	-$2.35	172,360,336
187	Stifel Financial Corp.	Saint Louis	Mo.	77.50	81.38	825,208	777,245	$6.17	26,604,254
188	RBC US Group Holdings LLC	Toronto	#N/A	81.12	80	1,732,508	1,536,522	$12.76	150,540,152
189	Raymond James Financial, Inc.	Saint Petersburg	Fla.	81.43	82.37	1,881,335	1,690,494	$11.29	53,657,147
190	American Express Company	New York	N.Y.	81.76	74.25	7,659,000	8,450,000	-$9.36	191,365,000
191	First American Financial Corporation	Santa Ana	Calif.	83.59	84.21	1,773,069	1,429,095	$24.07	12,795,988
192	DB USA Corporation	New York	N.Y.	83.91	122.77	1,164,000	1,345,000	-$13.46	109,947,000
193	Flushing Financial Corporation	Uniondale	N.Y.	84.35	64.19	46,718	29,498	$58.38	7,976,394
194	Wells Fargo & Company	San Francisco	Calif.	84.50	79.35	14,959,000	15,651,000	-$4.42	1,955,163,000
195	United Services Automobile Association	San Antonio	Tex.	86.91	94.55	7,518,780	8,087,940	-$7.04	200,416,253
196	Amerant Bancorp Inc.	Coral Gables	Fla.	87.22	77.30	50,961	51,802	-$1.62	7,770,893
197	Discount Bancorp, Inc.	New York	N.Y.	87.78	61.98	68,791	50,820	$35.36	11,010,035
198	Hawaiian Electric Industries, Inc.	Honolulu	Hawaii	88.06	87.80	555,931	627,479	-$11.40	15,004,007
199	Apple Financial Holdings, Inc.	New York	N.Y.	92.43	74.70	70,099	60,298	$16.25	16,172,148
200	Ameriprise Financial, Inc.	Minneapolis	Minn.	93.71	83.04	2,948,803	2,705,070	$9.01	165,887,603

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of Apr. 16, 2021, 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/