Most Efficient Bank Holding Companies

January 18, 2022, 12:05 p.m. EST 1 Min Read

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Rank	Company	City	State	Efficiency Ratio (YTD)* Sep. 2021	Efficiency Ratio (YTD)* Sep. 2020	Noninterest Expense (YTD) Sep. 2021	Noninterest Expense (YTD) Sep. 2020	Noninterest Expense (YTD) Change	Assets Jun. 2021
1	Merchants Bancorp	Carmel	Ind.	26.87	25.12	$29,472	$26,385	11.7	$10,952,033
2	Luther Burbank Corporation	Santa Rosa	Calif.	32.10	44.62	14,640	16,374	-10.6	7,220,786
3	ServisFirst Bancshares, Inc.	Birmingham	Ala.	32.80	28	34,261	26,539	29.1	14,602,228
4	Customers Bancorp, Inc.	West Reading	Pa.	33.07	50.51	79,326	65,552	21.0	19,124,061
5	Beal Financial Corporation	Plano	Tex.	35.10	41.94	138,731	74,569	86.0	7,758,174
6	Synchrony Financial	Stamford	Conn.	35.73	36.35	961,000	1,067,000	-9.9	91,937,000
7	ConnectOne Bancorp, Inc.	Englewood Cliffs	N.J.	38.02	40.08	28,183	26,478	6.4	7,949,514
8	NexBank Capital, Inc.	Dallas	Tex.	38.95	39.18	23,116	19,630	17.8	9,760,042
9	BCI Financial Group, Inc.	Miami	Fla.	39.15	41.67	68,572	65,207	5.2	20,641,397
10	Discover Financial Services	Riverwoods	Ill.	40.31	38.41	1,184,382	1,040,618	13.8	108,544,181
11	CVB Financial Corp.	Ontario	Calif.	40.38	87.75	48,098	48,887	-1.6	16,201,598
12	New York Community Bancorp, Inc.	Westbury	N.Y.	40.51	43.40	134,331	128,508	4.5	57,890,106
13	Prosperity Bancshares, Inc.	Houston	Tex.	41.14	39.00	119,459	117,751	1.5	36,523,349
14	Western Alliance Bancorporation	Phoenix	Ariz.	41.61	40.20	235,139	123,994	89.6	52,775,070
15	Midland Financial Co.	Oklahoma City	Okla.	42.12	44.24	133,523	125,750	6.2	31,311,671
16	Home Bancshares, Inc. (Conway, AR)	Conway	Ark.	42.18	39.47	75,274	71,388	5.4	17,765,056
17	First Foundation Inc.	Dallas	Tex.	42.42	40.14	38,507	30,704	25.4	7,735,446
18	First Security Bancorp	Searcy	Ark.	43.25	43.82	40,915	38,723	5.7	8,309,962
19	Eagle Bancorp, Inc.	Bethesda	Md.	43.57	35.87	37,578	34,860	7.8	11,585,317
20	East West Bancorp, Inc.	Pasadena	Calif.	43.62	44.56	205,468	167,177	22.9	60,959,110
21	Cathay General Bancorp	Los Angeles	Calif.	43.72	50.60	72,146	75,217	-4.1	19,860,439
22	Veritex Holdings, Inc.	Dallas	Tex.	44.08	46.05	40,791	37,455	8.9	9,572,300
23	Westamerica Bancorporation	San Rafael	Calif.	45.25	47.63	25,363	25,289	0.3	7,407,522
24	First Financial Bankshares, Inc.	Abilene	Tex.	45.59	43.24	62,938	57,093	10.2	12,543,258
25	Olney Bancshares of Texas, Inc.	Olney	Tex.	46.14	47.35	17,511	16,490	6.2	3,780,113
26	Berkshire Hills Bancorp, Inc.	Boston	Mass.	46.33	71.36	69,071	72,373	-4.6	11,852,027
27	Pacific Premier Bancorp, Inc.	Irvine	Calif.	46.83	48.22	95,864	97,819	-2.0	21,005,211
28	Sandy Spring Bancorp, Inc.	Olney	Md.	47.06	46.25	63,255	60,346	4.8	13,017,464
29	Axos Financial, Inc.	Las Vegas	Nev.	47.15	44.67	84,439	75,728	11.5	14,906,750
30	PacWest Bancorp	Beverly Hills	Calif.	47.57	51.97	160,819	149,447	7.6	35,885,676
31	Amarillo National Bancorp, Inc.	Amarillo	Tex.	47.75	49.86	38,080	37,626	1.2	7,607,212
32	The Goldman Sachs Group, Inc.	New York	N.Y.	48.19	58.33	6,591,000	6,329,000	4.1	1,443,237,000
33	Pinnacle Financial Partners, Inc.	Nashville	Tenn.	48.20	46.69	169,031	142,729	18.4	36,523,936
34	International Bancshares Corporation	Laredo	Tex.	48.78	52.58	69,435	69,829	-0.6	15,677,497
35	Sterling Bancorp	Pearl River	N.Y.	48.92	46.35	124,967	119,535	4.5	30,028,425
36	Pinnacle Bancorp, Inc.	Elkhorn	Neb.	49.13	50.21	67,973	73,510	-7.5	17,140,090
37	Southside Bancshares, Inc.	Tyler	Tex.	49.44	49.15	31,926	30,227	5.6	7,135,691
38	FirstBank Holding Company	Lakewood	Colo.	50.04	55.26	106,648	104,621	1.9	27,388,540
39	Valley National Bancorp	New York	N.Y.	50.14	46.20	177,432	160,491	10.6	41,278,007
40	Glacier Bancorp, Inc.	Kalispell	Mont.	50.17	49.00	103,754	104,773	-1.0	21,314,019
41	City Holding Company	Charleston	W.Va.	50.18	NA	29,417	28,824	2.1	5,951,348
42	EB Acquisition Company II LLC	Dallas	Tex.	50.45	57.63	94,872	99,522	-4.7	19,052,469
	EB Acquisition Company, LLC	University Park	Tex.	50.45	57.63	94,872	99,522	-4.7	19,052,469
44	First Merchants Corporation	Muncie	Ind.	50.83	52.00	70,583	64,746	9.0	15,060,725
45	Premier Financial Corp.	Defiance	Ohio	51.22	NA	40,996	42,972	-4.6	7,471,403
46	First BanCorp.	Santurce	P.R.	51.26	59.67	118,887	108,410	9.7	21,256,154
47	The Bancorp, Inc.	Wilmington	Del.	51.33	56.70	40,063	43,055	-6.9	6,288,481
48	Hanmi Financial Corporation	Los Angeles	Calif.	51.99	55.66	32,580	29,623	10.0	6,776,533
49	Horizon Bancorp, Inc.	Michigan City	Ind.	52.03	54.16	34,349	33,407	2.8	7,534,240
50	BankUnited, Inc.	Miami Lakes	Fla.	52.36	49.12	118,024	108,764	8.5	35,311,797
51	United Community Banks, Inc.	Blairsville	Ga.	52.40	53.23	96,214	95,036	1.2	19,485,796
52	The Charles Schwab Corporation	Westlake	Tex.	52.58	62.80	2,558,000	1,566,000	63.3	607,548,000
53	Independent Bank Group, Inc.	McKinney	Tex.	52.85	44.45	80,588	73,519	9.6	18,918,225
54	Hope Bancorp, Inc.	Los Angeles	Calif.	52.99	56.24	75,095	71,068	5.7	17,799,344
55	Synovus Financial Corp.	Columbus	Ga.	53.17	54.39	269,293	315,823	-14.7	55,509,129
56	TriCo Bancshares	Chico	Calif.	53.19	52.49	45,969	46,466	-1.1	8,458,030
57	Brookline Bancorp, Inc.	Boston	Mass.	53.32	56.39	40,894	40,149	1.9	8,339,181
58	Capital One Financial Corporation	McLean	Va.	53.63	51.22	4,195,357	3,527,059	18.9	425,377,455
59	First Bancorp	Southern Pines	N.C.	53.79	52.19	42,041	41,347	1.7	8,490,825
60	Provident Financial Services, Inc.	Jersey City	N.J.	54.09	51.07	63,411	54,038	17.3	13,391,943
61	Byline Bancorp, Inc.	Chicago	Ill.	54.19	53.09	44,466	41,475	7.2	6,704,451
62	United Bankshares, Inc.	Charleston	W.Va.	54.30	52.55	137,733	169,393	-18.7	27,507,517
63	Atlantic Union Bankshares Corporation	Richmond	Va.	54.61	51.63	97,970	94,237	4.0	19,937,235
64	Columbia Banking System, Inc.	Tacoma	Wash.	54.70	55.91	90,383	86,660	4.3	18,603,073
65	Banc of California, Inc.	Santa Ana	Calif.	54.73	65.11	37,724	39,081	-3.5	8,278,741
66	Central Bancompany, Inc.	Jefferson City	Mo.	54.80	52.04	109,877	106,328	3.3	19,539,009
67	1st Source Corporation	South Bend	Ind.	54.82	56.71	48,328	47,166	2.5	7,968,529
68	S&T Bancorp, Inc.	Indiana	Pa.	54.96	53.26	47,153	46,443	1.5	9,436,054
69	Flushing Financial Corporation	Uniondale	N.Y.	55.05	58.09	34,427	29,791	15.6	8,077,334
70	First Hawaiian, Inc.	Honolulu	Hawaii	55.06	50.78	101,036	93,028	8.6	25,548,322
71	Popular, Inc.	Hato Rey	P.R.	55.10	57.32	395,000	366,000	7.9	74,189,000
72	First Commonwealth Financial Corporation	Indiana	Pa.	55.19	60.75	54,722	56,706	-3.5	9,477,854
73	SVB Financial Group	Santa Clara	Calif.	55.21	50.68	879,113	493,043	78.3	190,997,350
74	BOK Financial Corporation	Tulsa	Okla.	55.35	56.01	282,469	280,133	0.8	46,983,194
75	John Deere Capital Corporation	Reno	Nev.	55.52	61.74	306,527	336,466	-8.9	43,311,836
76	CIBC Bancorp USA Inc.	Chicago	Ill.	55.61	51.08	269,858	247,160	9.2	60,557,127
77	Ameris Bancorp	Atlanta	Ga.	55.64	43.23	135,149	143,969	-6.1	22,533,225
78	Washington Federal, Inc.	Seattle	Wash.	55.71	60.59	85,027	77,590	9.6	19,650,574
79	Capitol Federal Financial, Inc.	Topeka	Kan.	55.79	53.45	29,238	27,995	4.4	9,652,561
80	Santander Holdings USA, Inc.	Boston	Mass.	55.98	55.58	1,498,204	1,598,123	-6.3	155,860,507
81	Columbia Bank MHC	Fair Lawn	N.J.	56.03	63.03	34,805	38,961	-10.7	9,202,029
82	F.N.B. Corporation	Pittsburgh	Pa.	56.11	57.01	185,357	179,973	3.0	39,433,154
83	Origin Bancorp, Inc.	Ruston	La.	56.41	56.92	39,011	39,353	-0.9	7,471,355
84	Webster Financial Corporation	Waterbury	Conn.	56.66	61.65	180,266	184,405	-2.2	35,374,258
85	Ally Financial Inc.	Detroit	Mich.	56.75	62.23	1,278,000	1,196,000	6.9	179,184,000
	Great Southern Bancorp, Inc.	Springfield	Mo.	56.75	NA	31,341	32,067	-2.3	5,455,821
87	Washington Trust Bancorp, Inc.	Westerly	R.I.	56.87	55.98	32,520	32,344	0.5	6,004,892
88	Old National Bancorp	Evansville	Ind.	56.89	56.24	121,269	120,331	0.8	24,018,849
89	Lakeland Bancorp, Inc.	Oak Ridge	N.J.	56.90	53.74	37,207	32,097	15.9	8,173,575
90	TrustCo Bank Corp NY	Glenville	N.Y.	56.95	55.09	25,776	24,325	6.0	6,134,855
91	JPMorgan Chase & Co.	New York	N.Y.	56.99	61.03	17,047,000	17,675,000	-3.6	3,757,576,000
92	Bremer Financial Corporation	Saint Paul	Minn.	57.17	59.61	83,894	91,912	-8.7	16,243,690
93	Commerce Bancshares, Inc.	Kansas City	Mo.	57.23	54.13	212,498	189,388	12.2	34,515,052
94	Fifth Third Bancorp	Cincinnati	Ohio	57.36	62.52	1,174,801	1,168,405	0.5	207,730,841
95	Great Western Bancorp, Inc.	Sioux Falls	S.D.	57.54	77.91	63,720	70,748	-9.9	12,911,468
96	U.S. Bancorp	Minneapolis	Minn.	57.66	58.84	3,426,000	3,471,000	-1.3	567,495,000
97	Hancock Whitney Corporation	Gulfport	Miss.	57.69	59.47	195,298	196,624	-0.7	35,327,785
98	M&T Bank Corporation	Buffalo	N.Y.	57.77	55.40	877,131	801,323	9.5	151,901,194
99	BancFirst Corporation	Oklahoma City	Okla.	57.95	58.75	70,550	65,985	6.9	11,302,781
100	OFG Bancorp	San Juan	P.R.	58.05	61.81	83,923	86,917	-3.4	10,606,865
101	Regions Financial Corporation	Birmingham	Ala.	58.26	55.97	948,000	908,000	4.4	156,405,000
102	People's United Financial, Inc.	Bridgeport	Conn.	58.34	56.33	286,795	289,659	-1.0	63,678,281
103	Bank of Hawaii Corporation	Honolulu	Hawaii	58.35	54.17	102,984	91,437	12.6	22,965,383
104	Simmons First National Corporation	Pine Bluff	Ark.	58.52	61.04	119,698	132,080	-9.4	23,241,591
105	Umpqua Holdings Corporation	Portland	Ore.	58.82	53.24	183,695	187,400	-2.0	30,891,479
106	Salem Five Bancorp	Salem	Mass.	58.95	51.68	29,944	28,455	5.2	5,807,741
107	First Midwest Bancorp, Inc.	Chicago	Ill.	59.11	72.48	116,132	112,771	3.0	21,778,180
108	Kearny Financial Corp.	Fairfield	N.J.	59.13	63.55	31,803	33,573	-5.3	7,183,688
109	Park National Corporation	Newark	Ohio	59.44	57.81	68,249	69,859	-2.3	10,030,337
110	Seacoast Banking Corporation of Florida	Stuart	Fla.	59.65	62.11	55,323	51,334	7.8	9,893,498
111	Midland States Bancorp, Inc.	Effingham	Ill.	59.77	78.43	41,292	54,477	-24.2	7,093,959
112	NBT Bancorp Inc.	Norwich	N.Y.	60.04	56.53	70,069	66,463	5.4	11,994,411
113	Cullen/Frost Bankers, Inc.	San Antonio	Tex.	60.09	56.64	217,924	198,743	9.7	47,975,070
114	KeyCorp	Cleveland	Ohio	60.24	60.70	1,112,542	1,037,158	7.3	187,198,237
115	Heritage Financial Corporation	Olympia	Wash.	60.41	60.04	37,114	35,998	3.1	7,259,038
	Peapack-Gladstone Financial Corporation	Bedminster	N.J.	60.41	NA	32,185	28,461	13.1	6,240,285
117	Citizens Financial Group, Inc.	Providence	R.I.	60.61	61.40	1,010,500	1,102,723	-8.4	187,548,624
118	Independent Bank Corp.	Rockland	Mass.	60.71	54.20	72,252	66,465	8.7	14,534,086
119	Spend Life Wisely Company, Inc.	Durant	Okla.	61.01	66.11	99,432	104,453	-4.8	11,994,172
120	Fulton Financial Corporation	Lancaster	Pa.	61.18	62.69	145,971	138,250	5.6	26,335,498
121	Community Bank System, Inc.	Onondaga	N.Y.	61.25	61.00	99,895	96,898	3.1	15,331,098
122	WesBanco, Inc.	Wheeling	W.Va.	61.30	55.15	94,259	89,499	5.3	16,892,349
123	Bank Leumi Le-Israel Corporation	New York	N.Y.	61.34	62.81	48,400	44,964	7.6	7,971,416
124	First Financial Bancorp.	Cincinnati	Ohio	61.45	57.57	99,745	95,792	4.1	15,956,593
125	Comerica Incorporated	Dallas	Tex.	61.54	62.87	465,000	447,000	4.0	94,722,000
126	TriState Capital Holdings, Inc.	Pittsburgh	Pa.	61.55	66.37	37,946	31,428	20.7	12,158,868
127	Univest Financial Corporation	Souderton	Pa.	61.73	57.75	43,248	38,527	12.3	6,979,852
128	First Interstate BancSystem, Inc.	Billings	Mont.	61.78	58.28	106,012	101,402	4.5	19,373,067
129	W.T.B. Financial Corporation	Spokane	Wash.	61.89	59.68	56,828	51,841	9.6	10,583,447
130	Investors Bancorp, Inc.	Short Hills	N.J.	62.05	48.02	131,905	97,491	35.3	27,350,833
131	Heartland Financial USA, Inc.	Dubuque	Iowa	62.10	54.59	112,070	85,212	31.5	18,996,225
132	Central Pacific Financial Corp.	Honolulu	Hawaii	62.11	60.19	41,328	36,939	11.9	7,298,231
133	HomeStreet, Inc.	Seattle	Wash.	62.23	61.88	51,355	57,691	-11.0	7,372,451
134	Flagstar Bancorp, Inc.	Troy	Mich.	62.59	48.56	298,104	311,057	-4.2	27,041,559
135	BTC Financial Corporation	Des Moines	Iowa	62.74	NA	28,416	28,485	-0.2	5,842,168
136	BMO Financial Corp.	Chicago	Ill.	62.77	63.81	935,810	907,189	3.2	195,146,304
137	Bank of America Corporation	Charlotte	N.C.	63.12	71.83	14,460,000	14,922,000	-3.1	3,085,446,000
	TD Group US Holdings LLC	Wilmington	Del.	63.12	55.39	1,897,038	1,653,487	14.7	514,438,248
139	FB Financial Corporation	Nashville	Tenn.	63.18	76.01	94,910	127,575	-25.6	11,810,290
140	UMB Financial Corporation	Kansas City	Mo.	63.42	64.68	208,869	197,995	5.5	37,554,285
141	WSFS Financial Corporation	Wilmington	Del.	63.59	57.19	97,071	93,653	3.6	15,376,096
142	Banner Corporation	Walla Walla	Wash.	63.76	59.39	102,176	91,705	11.4	16,637,879
143	Tompkins Financial Corporation	Ithaca	N.Y.	64.40	59.00	50,180	46,349	8.3	8,113,110
144	SouthState Corporation	Winter Haven	Fla.	64.65	64.95	236,572	263,867	-10.3	40,900,805
145	Enterprise Financial Services Corp	Clayton	Mo.	64.68	48.89	76,311	37,969	101.0	12,888,016
146	Associated Banc-Corp	Green Bay	Wis.	64.94	82.94	176,711	215,214	-17.9	34,439,666
147	Truist Financial Corporation	Charlotte	N.C.	65.30	64.62	3,795,000	3,692,000	2.8	529,884,000
148	OceanFirst Financial Corp.	Red Bank	N.J.	65.43	65.25	58,762	59,797	-1.7	11,838,271
	INTRUST Financial Corporation	Wichita	Kan.	65.43	63.60	43,619	38,024	14.7	7,565,000
150	Morgan Stanley	New York	N.Y.	65.50	69.29	9,825,000	8,138,000	20.7	1,190,476,000
151	Wintrust Financial Corporation	Rosemont	Ill.	65.73	62.03	283,945	267,818	6.0	47,832,271
152	Renasant Corporation	Tupelo	Miss.	65.90	64.48	102,893	118,004	-12.8	16,155,550
153	National Bank Holdings Corporation	Greenwood Village	Colo.	65.91	59.74	51,314	55,641	-7.8	7,100,991
154	Discount Bancorp, Inc.	New York	N.Y.	66.25	58.46	57,330	43,993	30.3	11,724,992
155	Eastern Bankshares, Inc.	Boston	Mass.	66.80	74.04	98,978	111,106	-10.9	17,463,933
	Triumph Bancorp, Inc.	Dallas	Tex.	66.80	NA	72,816	55,296	31.7	6,024,533
157	Barclays US LLC	New York	N.Y.	67.24	73.19	1,711,000	1,636,000	4.6	173,628,000
158	FB Corporation	Creve Coeur	Mo.	67.40	29.44	39,667	40,940	-3.1	6,853,196
159	Northwest Bancshares, Inc.	Columbus	Ohio	67.55	62.47	92,069	94,985	-3.1	14,490,132
160	Citigroup Inc.	New York	N.Y.	67.77	67.32	11,702,000	11,732,000	-0.3	2,361,876,000
161	Ameriprise Financial, Inc.	Minneapolis	Minn.	67.82	105.72	1,560,616	3,147,168	-50.4	170,734,024
162	First Busey Corporation	Champaign	Ill.	68.33	52.42	74,787	56,499	32.4	12,899,330
163	The PNC Financial Services Group, Inc.	Pittsburgh	Pa.	68.49	59.58	3,588,155	2,557,449	40.3	554,456,689
164	State Street Corporation	Boston	Mass.	68.54	73.44	2,119,000	2,119,000	0.0	323,139,000
165	Northern Trust Corporation	Chicago	Ill.	68.67	72.88	1,140,861	1,090,521	4.6	169,085,713
166	First Horizon Corporation	Memphis	Tenn.	69.15	41.97	524,898	584,616	-10.2	88,538,652
167	First Citizens BancShares, Inc.	Raleigh	N.C.	70.70	65.87	363,257	328,437	10.6	56,901,977
168	Texas Capital Bancshares, Inc.	Dallas	Tex.	70.92	61.37	151,607	157,072	-3.5	36,404,320
169	Third Federal Savings and Loan Association of Cleveland, MHC	Cleveland	Ohio	71.15	74.05	46,700	48,462	-3.6	14,057,395
170	Mizuho Americas LLC	New York	N.Y.	71.67	65.36	382,000	351,000	8.8	48,821,000
171	The Bank of New York Mellon Corporation	New York	N.Y.	71.85	68.71	2,918,000	2,666,000	9.5	470,533,000
172	Wells Fargo & Company	San Francisco	Calif.	71.92	79.12	13,317,000	14,750,000	-9.7	1,954,901,000
173	State Bankshares, Inc.	Fargo	N.D.	71.95	52.63	104,174	93,652	11.2	10,862,236
174	Johnson Financial Group, Inc.	Racine	Wis.	71.99	61.19	52,940	50,443	5.0	5,979,416
175	Woodforest Financial Group, Inc.	The Woodlands	Tex.	72.00	66.91	133,573	110,785	20.6	9,992,429
176	Bangor Bancorp, MHC	Bangor	Maine	72.19	NA	46,338	43,839	5.7	6,725,348
177	Dollar Mutual Bancorp	Pittsburgh	Pa.	73.49	72.59	61,741	53,495	15.4	11,277,285
178	Amerant Bancorp Inc.	Coral Gables	Fla.	73.61	78.75	47,349	44,476	6.5	7,489,305
179	Meta Financial Group, Inc.	Sioux Falls	S.D.	74.58	74.18	95,703	81,755	17.1	6,690,689
180	Hilltop Holdings Inc.	Dallas	Tex.	74.69	65.97	353,312	401,865	-12.1	17,989,651
181	Huntington Bancshares Incorporated	Columbus	Ohio	74.77	53.72	1,285,663	682,869	88.3	173,878,184
182	SMBC Americas Holdings, Inc.	New York	N.Y.	74.92	63.96	205,418	183,384	12.0	25,278,361
183	First American Financial Corporation	Santa Ana	Calif.	75.44	87.62	1,933,340	1,581,807	22.2	16,686,064
184	Republic Bancorp, Inc.	Louisville	Ky.	76.58	62.26	42,848	45,468	-5.8	6,187,634
185	Stifel Financial Corp.	Saint Louis	Mo.	77.01	81.67	889,095	726,259	22.4	30,820,334
186	Raymond James Financial, Inc.	Saint Petersburg	Fla.	78.68	85.34	2,121,210	1,810,615	17.2	61,891,191
187	New York Private Bank & Trust Corporation	New York	N.Y.	78.71	64.76	55,343	49,284	12.3	5,771,988
188	Arvest Bank Group, Inc.	Bentonville	Ark.	79.08	62	248,111	221,196	12.2	26,514,090
189	SNBNY Holdings Limited	Gibraltar	#N/A	79.14	-1.35	49,366	-525	-9503.0	9,499,800
190	Apple Financial Holdings, Inc.	New York	N.Y.	79.47	73.79	64,589	56,006	15.3	16,123,179
191	BNP Paribas USA, Inc.	New York	N.Y.	80.01	78.90	901,752	925,241	-2.5	159,177,726
192	Credit Suisse Holdings (USA), Inc.	New York	N.Y.	80.28	79.72	1,511,678	1,298,488	16.4	105,861,250
193	RBC US Group Holdings LLC	Toronto	#N/A	80.67	78.09	1,723,017	1,513,370	13.9	164,028,067
194	American Express Company	New York	N.Y.	80.77	77.56	8,835,000	6,799,000	29.9	184,261,000
195	UBS Americas Holding LLC	New York	N.Y.	82.17	85.11	2,959,785	2,761,346	7.2	188,404,238
196	Trustmark Corporation	Jackson	Miss.	82.94	61.70	128,429	112,997	13.7	17,364,644
197	First American Bank Corporation	Elk Grove Village	Ill.	84.59	NA	36,573	35,188	3.9	6,051,988
198	DB USA Corporation	New York	N.Y.	85.97	89.60	1,192,000	1,195,000	-0.3	124,719,000
199	Hawaiian Electric Industries, Inc.	Honolulu	Hawaii	89.67	84.91	659,546	526,653	25.2	15,760,163
200	HSBC North America Holdings Inc.	New York	N.Y.	89.69	93.52	901,410	1,003,444	-10.2	253,913,883

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of Jan. 14, 2022, 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/