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Banks, thrifts and holding companies

Most Efficient Bank Holding Companies

November 05, 2018, 9:45 a.m. EST 1 Min Read

Year to date through Jun. 30, 2018. Dollars in thousands.

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Most Efficient Bank Holding Companies
Rank Company City State

Efficiency Ratio (YTD)*

Noninterest Expense (YTD)

 Assets Jun. 2018
Jun. 2018 Jun. 2017 Jun. 2018 Jun. 2017 Change
1 Beal Financial Corporation Plano Tex. 17.87 24.89 $36,852 $33,985 $8.4 $7,241,968
2 ATBancorp Dubuque Iowa 23.10 70.15 9,199 13,462 -31.7 1,369,052
3 Briscoe Ranch, Inc. Uvalde Tex. 24.21 27.84 5,747 6,588 -12.8 1,795,320
4 Synchrony Financial Stamford Conn. 29.13 28.56 974,626 911,051 7.0 99,121,535
5 NexBank Capital, Inc. Dallas Tex. 31.64 51.76 19,581 20,197 -3.0 8,018,616
6 Big Poppy Holdings, Inc. Santa Rosa Calif. 31.97 32.99 5,512 4,440 24.1 1,762,481
7 Parke Bancorp, Inc. Sewell N.J. 32.63 NA 3,995 NA NA 1,289,633
8 United National Corporation Sioux Falls S.D. 32.92 34.11 88,969 87,816 1.3 2,860,823
9 ServisFirst Bancshares, Inc. Birmingham Ala. 33.81 35.91 24,010 21,875 9.8 7,084,562
10 Sterling Bancorp, Inc. Southfield Mich. 34.32 39.76 12,482 10,258 21.7 3,112,592
11 Oritani Financial Corp. Township of Washington N.J. 34.87 81.56 10,020 22,400 -55.3 4,167,519
12 Merchants Bancorp Carmel Ind. 35.24 25.53 11,966 8,260 44.9 3,786,682
13 MetroCity Bankshares, Inc. Doraville Ga. 35.90 NA 8,656 NA NA 1,350,976
14 Home BancShares, Inc. Conway Ark. 37.00 37.44 62,912 50,692 24.1 14,924,120
15 Discover Financial Services Riverwoods Ill. 37.93 37.69 989,509 912,792 8.4 102,751,300
16 Eagle Bancorp, Inc. Bethesda Md. 37.98 38.56 32,283 29,975 7.7 7,880,017
17 Industry Bancshares, Inc. Industry Tex. 38.32 39.19 13,442 13,876 -3.1 3,935,505
18 Bridgewater Bancshares, Inc. Bloomington Minn. 38.41 38.28 6,464 5,275 22.5 1,752,918
19 RBB Bancorp Los Angeles Calif. 39.35 39.90 8,190 6,950 17.8 1,816,872
20 Olney Bancshares of Texas, Inc. Olney Tex. 39.77 41.15 15,709 15,328 2.5 3,582,810
21 First National Bancshares, Inc. East Lansing Mich. 39.97 NA 9,985 NA NA 1,629,445
22 FCB Financial Holdings, Inc. Weston Fla. 40.30 42.99 40,239 35,090 14.7 12,192,299
23 PacWest Bancorp Beverly Hills Calif. 40.54 41.40 128,879 120,353 7.1 24,529,557
24 CVB Financial Corp. Ontario Calif. 40.92 44.53 34,240 36,801 -7.0 8,093,863
25 BT Holdings, Inc. Quitman Tex. 40.98 36.63 5,812 5,147 12.9 1,903,250
26 Sterling Bancorp Montebello N.Y. 41.39 43.82 125,609 59,783 110.1 31,467,888
27 ConnectOne Bancorp, Inc. Englewood Cliffs N.J. 41.41 67.39 17,061 25,303 -32.6 5,275,368
28 First Security Bancorp Searcy Ark. 41.61 40.71 34,358 32,775 4.8 5,615,386
29 Western Alliance Bancorporation Phoenix Ariz. 41.89 41.03 102,788 88,092 16.7 21,367,452
30 Lakeland Financial Corporation Warsaw Ind. 42.21 44.65 20,629 19,349 6.6 4,762,994
31 SNBNY Holdings Limited Gibraltar #N/A 42.25 49.11 33,797 31,037 8.9 7,654,892
32 Cathay General Bancorp Los Angeles Calif. 42.27 45.66 63,327 56,493 12.1 16,197,746
33 Inwood Bancshares, Inc. Dallas Tex. 42.34 42.42 9,849 9,658 2.0 2,621,974
34 1867 Western Financial Corporation Stockton Calif. 42.60 49.67 15,835 16,679 -5.1 2,997,181
35 Stearns Financial Services, Inc. Saint Cloud Minn. 42.66 31.28 16,507 13,326 23.9 2,000,589
36 Prosperity Bancshares, Inc. Houston Tex. 42.83 42.14 83,161 76,029 9.4 22,570,926
37 Villages Bancorporation, Inc. The Villages Fla. 43.03 38.92 8,761 7,520 16.5 2,085,432
38 LegacyTexas Financial Group, Inc. Plano Tex. 44.27 44.76 42,067 39,647 6.1 9,252,517
39 Capitol Federal Financial, Inc. Topeka Kan. 44.73 41.69 24,584 23,053 6.6 9,071,346
40 Northern Bancorp, Inc. Woburn Mass. 45.11 40.46 9,679 8,092 19.6 2,106,845
41 East West Bancorp, Inc. Pasadena Calif. 45.22 49.72 177,712 167,607 6.0 38,072,954
42 H Bancorp LLC Irvine Calif. 45.57 49.86 7,125 7,238 -1.6 1,366,864
43 Great Western Bancorp, Inc. Sioux Falls S.D. 45.72 46.58 57,589 54,579 5.5 12,009,048
44 Pinnacle Financial Partners, Inc. Nashville Tenn. 45.78 49.19 109,751 71,964 52.5 23,988,370
45 Silver Queen Financial Services, Inc. Greenwood Village Colo. 45.99 38.67 4,674 3,651 28.0 1,877,111
46 BSB Bancorp, Inc. Belmont Mass. 46.20 50.84 7,792 7,648 1.9 2,909,230
47 SVB Financial Group Santa Clara Calif. 46.51 53.40 307,164 251,866 22.0 55,905,467
48 AFNB Holdings, Inc. Houston Tex. 46.55 50.52 7,273 6,853 6.1 1,579,881
49 Luther Burbank Corporation Santa Rosa Calif. 46.67 53.11 14,926 14,832 0.6 6,510,233
50 Capital One Financial Corporation McLean Va. 46.88 49.97 3,404,272 3,412,555 -0.2 363,989,302
51 Axos Financial, Inc. San Diego Calif. 47.53 39.35 49,467 36,005 37.4 9,539,504
52 Blackhawk Bancorporation, Inc. Milan Ill. 47.98 48.44 5,182 5,305 -2.3 1,326,750
53 New York Community Bancorp, Inc. Westbury N.Y. 48.01 52.53 138,289 163,766 -15.6 50,469,170
54 NEB Corporation Fond du Lac Wis. 48.75 47.97 10,176 10,234 -0.6 1,841,250
55 United Bankshares, Inc. Charleston W.Va. 49.00 61.54 93,086 111,640 -16.6 19,207,603
56 First Financial Bankshares, Inc. Abilene Tex. 49.04 49.55 47,146 43,774 7.7 7,685,470
57 Southside Bancshares, Inc. Tyler Tex. 49.09 51.15 29,077 25,484 14.1 6,250,173
58 Amarillo National Bancorp, Inc. Amarillo Tex. 49.12 53.11 23,855 24,011 -0.6 4,146,225
59 Popular, Inc. Hato Rey P.R. 49.27 57.28 339,000 302,000 12.3 47,535,000
60 Green Bancorp, Inc. Houston Tex. 49.41 47.63 22,623 19,780 14.4 4,392,031
61 People's Utah Bancorp American Fork Utah 49.44 52.42 15,222 12,378 23.0 2,161,770
62 Washington Federal, Inc. Seattle Wash. 49.49 46.48 65,961 56,890 15.9 15,766,321
63 Manhattan Banking Corporation Manhattan Kan. 49.61 51.67 9,547 10,701 -10.8 1,864,484
64 S&T Bancorp, Inc. Indiana Pa. 49.96 50.97 35,869 36,603 -2.0 7,097,346
65 Enterprise Financial Services Corp Clayton Mo. 50.11 59.04 29,106 32,662 -10.9 5,509,924
First Merchants Corporation Muncie Ind. 50.11 54.00 54,422 46,444 17.2 9,736,345
67 Veritex Holdings, Inc. Dallas Tex. 50.59 54.24 16,171 7,782 107.8 3,133,627
68 Arbor Bancorp, Inc. Ann Arbor Mich. 50.69 49.04 10,245 9,358 9.5 1,597,102
69 Southern National Bancorp of Virginia, Inc. McLean Va. 50.83 122.26 13,657 14,571 -6.3 2,727,339
70 West Bancorporation, Inc. West Des Moines Iowa 50.95 45.97 8,958 8,172 9.6 2,197,166
71 Ida Grove Bancshares, Inc. Ida Grove Iowa 50.97 48.90 7,201 6,592 9.2 1,514,495
72 Westamerica Bancorporation San Rafael Calif. 51.11 51.39 26,429 25,975 1.7 5,584,582
73 City Holding Company Cross Lanes W.Va. 51.12 52.03 25,167 24,291 3.6 4,373,812
74 Chemical Financial Corporation Detroit Mich. 51.13 52.78 102,386 97,553 5.0 20,282,603
75 Metropolitan Bank Holding Corp. New York N.Y. 51.17 53.52 10,273 7,140 43.9 1,924,495
76 Traditional Bancorporation, Inc. Mount Sterling Ky. 51.46 49.71 6,893 6,596 4.5 1,449,093
77 Glacier Bancorp, Inc. Kalispell Mont. 51.54 60.47 70,150 64,810 8.2 11,897,644
78 Carolina Financial Corporation Charleston S.C. 51.61 57.49 23,736 15,808 50.2 3,697,977
First Bancorp, Inc. Damariscotta Maine 51.61 56.89 8,347 7,715 8.2 1,909,697
80 Hope Bancorp, Inc. Los Angeles Calif. 51.63 48.75 72,385 65,521 10.5 14,870,295
81 CTBC Capital Corp. Los Angeles Calif. 51.77 56.95 16,226 15,589 4.1 3,337,968
82 First Financial Corporation Terre Haute Ind. 51.82 60.78 20,911 21,990 -4.9 2,969,260
83 WestStar Bank Holding Company, Inc. El Paso Tex. 51.87 50.46 11,888 10,714 11.0 1,738,587
84 American National Corporation Omaha Neb. 51.93 58.62 20,117 22,791 -11.7 3,727,925
85 M&T Bank Corporation Buffalo N.Y. 52.02 52.31 764,388 737,668 3.6 118,426,053
86 First Bank Corp Fort Smith Ark. 52.13 51.94 12,923 11,661 10.8 1,734,295
87 Bank First National Corporation Manitowoc Wis. 52.21 49.89 10,049 6,650 51.1 1,741,873
88 Pacific Premier Bancorp, Inc. Irvine Calif. 52.32 66.02 50,359 48,138 4.6 8,158,131
89 Texas Capital Bancshares, Inc. Dallas Tex. 52.42 53.64 129,974 108,115 20.2 27,781,937
90 Comerica Incorporated Dallas Tex. 52.60 58.92 441,795 459,944 -3.9 72,204,036
91 Valley View Bancshares, Inc. Overland Park Kan. 52.65 55.40 15,591 15,933 -2.1 3,069,226
92 Commerce Bancshares, Inc. Kansas City Mo. 52.67 58.88 181,577 185,804 -2.3 24,559,944
93 Crews Banking Corporation Wauchula Fla. 52.72 54.45 9,921 9,666 2.6 1,484,354
94 Washington Trust Bancorp, Inc. Westerly R.I. 52.74 54.76 26,332 26,306 0.1 4,738,834
95 Unity Bancorp, Inc. Clinton N.J. 52.77 66.35 8,155 7,407 10.1 1,514,124
96 OFG Bancorp San Juan P.R. 52.91 54.25 51,485 50,657 1.6 6,501,562
97 Ames National Corporation Ames Iowa 53.02 49.75 6,713 6,406 4.8 1,362,092
98 FirstBank Holding Company Lakewood Colo. 53.18 51.09 100,795 92,977 8.4 18,273,783
99 Union Bankshares Corporation Richmond Va. 53.19 65.05 82,382 59,837 37.7 13,067,214
100 Guaranty Bancorp Denver Colo. 53.24 54.37 22,706 20,603 10.2 3,775,967
101 First of Long Island Corporation Glen Head N.Y. 53.25 46.96 15,698 13,133 19.5 4,292,475
102 Independent Bank Group, Inc. McKinney Tex. 53.27 61.25 49,158 51,328 -4.2 10,017,037
103 E*TRADE Financial Corporation New York N.Y. 53.29 61.49 383,661 356,100 7.7 64,353,302
104 Meridian Bancorp, Inc. Peabody Mass. 53.46 52.56 23,733 21,744 9.1 5,677,830
105 Security National Corporation Dakota Dunes S.D. 53.54 54.76 8,873 8,697 2.0 1,421,304
106 International Bancshares Corporation Laredo Tex. 53.59 55.26 78,945 73,649 7.2 11,988,995
107 Hills Bancorporation Hills Iowa 53.86 55.23 15,814 15,333 3.1 3,002,956
108 First Internet Bancorp Fishers Ind. 53.91 54.12 10,110 8,923 13.3 3,115,773
109 Heartland Bancorp, Inc. Bloomington Ill. 53.95 52.13 20,183 19,042 6.0 2,875,107
110 U.S. Bancorp Minneapolis Minn. 54.00 53.94 3,084,000 3,003,000 2.7 461,329,000
111 Brookline Bancorp, Inc. Boston Mass. 54.08 56.78 37,476 34,729 7.9 7,304,894
112 Leader Bancorp Inc. Arlington Mass. 54.11 59.60 8,471 8,340 1.6 1,484,248
113 Dime Community Bancshares, Inc. Brooklyn N.Y. 54.23 48.79 20,764 19,374 7.2 6,253,175
114 Charles Schwab Corporation San Francisco Calif. 54.28 56.95 1,359,000 1,217,000 11.7 261,882,000
115 Provident Financial Services, Inc. Iselin N.J. 54.32 54.59 48,892 47,310 3.3 9,732,912
116 FB Corporation Creve Coeur Mo. 54.49 66.63 42,032 42,810 -1.8 6,206,508
117 Cullen/Frost Bankers, Inc. San Antonio Tex. 54.54 55.34 188,880 188,183 0.4 30,757,942
First Paragould Bankshares, Inc. Paragould Ark. 54.54 48.73 7,232 6,303 14.7 1,372,665
119 First Bancorp, Inc. Lebanon Va. 54.60 54.67 10,563 9,971 5.9 1,781,393
120 Discount Bancorp, Inc. New York N.Y. 54.70 55.92 43,271 38,556 12.2 8,910,247
121 Stockman Financial Corporation Miles City Mont. 54.72 54.72 21,529 19,271 11.7 3,544,945
122 First Busey Corporation Champaign Ill. 54.75 56.48 47,304 36,977 27.9 7,775,544
123 Bank of Hawaii Corporation Honolulu Hawaii 54.79 55.84 90,759 88,302 2.8 17,124,162
124 First Bancorp Southern Pines N.C. 54.89 64.85 38,956 35,038 11.2 5,718,926
125 Hometown Community Bancorp, Inc. Morton Ill. 54.92 53.63 19,867 15,163 31.0 3,735,257
Citizens Financial Services, Inc. Mansfield Pa. 54.92 55.05 7,698 7,197 7.0 1,397,594
127 Magnolia Banking Corporation Magnolia Ark. 55.02 55.48 8,594 8,390 2.4 1,463,389
128 Simmons First National Corporation Pine Bluff Ark. 55.05 63.39 101,166 74,558 35.7 16,169,628
129 Longview Financial Corporation Longview Tex. 55.08 57.99 15,226 14,480 5.2 2,474,102
130 First Farmers Financial Corporation Converse Ind. 55.22 52.14 12,117 9,843 23.1 1,681,988
131 BankUnited, Inc. Miami Lakes Fla. 55.25 57.27 160,038 159,887 0.1 31,349,571
132 Arrow Financial Corporation Glens Falls N.Y. 55.39 57.16 16,192 15,637 3.5 2,845,171
133 Stock Yards Bancorp, Inc. Louisville Ky. 55.42 57.66 22,540 21,571 4.5 3,324,763
134 Independent Bank Corp. Rockland Mass. 55.43 61.09 53,268 53,459 -0.4 8,382,457
135 BCI Financial Group, Inc. Miami Fla. 55.44 49.51 52,878 35,601 48.5 14,107,185
136 TrustCo Bank Corp NY Glenville N.Y. 55.49 55.01 25,577 24,621 3.9 4,941,593
137 BOU Bancorp, Inc. Ogden Utah 55.54 56.40 10,035 9,193 9.2 1,340,312
138 Hometown Banc Corp Grand Island Neb. 55.68 48.62 6,525 6,176 5.7 1,365,889
139 Lakeland Bancorp, Inc. Oak Ridge N.J. 55.69 52.64 27,574 25,365 8.7 5,535,268
140 Sandy Spring Bancorp, Inc. Olney Md. 55.76 58.11 45,054 32,875 37.0 8,152,600
141 County Bancorp, Inc. Manitowoc Wis. 55.96 56.47 7,266 6,275 15.8 1,518,877
142 CIBC Bancorp USA Inc. Chicago Ill. 55.97 NA 217,926 NA NA 38,409,202
Investors Bancorp, Inc. Short Hills N.J. 55.97 59.89 102,380 106,156 -3.6 25,370,721
144 Farmers & Merchants Bancorp Lodi Calif. 56.01 56.22 20,334 17,712 14.8 3,098,628
145 Southern Missouri Bancorp, Inc. Poplar Bluff Mo. 56.08 62.45 11,442 10,287 11.2 1,889,466
BancFirst Corporation Oklahoma City Okla. 56.08 56.81 54,253 48,804 11.2 7,622,965
147 Alpine Banks of Colorado Glenwood Springs Colo. 56.12 63.69 26,679 25,259 5.6 3,560,187
148 First Bancshares, Inc. Merrillville Ind. 56.14 57.86 27,431 24,898 10.2 4,108,274
149 Citizens National Banc Corp. Meridian Miss. 56.19 61.25 9,588 9,370 2.3 1,350,699
150 Franklin Financial Network, Inc. Franklin Tenn. 56.25 51.08 18,050 15,283 18.1 4,165,238
151 First Farmers and Merchants Corporation Columbia Tenn. 56.30 60.35 9,064 8,983 0.9 1,366,045
152 Northfield Bancorp, Inc. Woodbridge N.J. 56.34 56.29 17,040 16,618 2.5 4,188,158
153 TD Group US Holdings LLC Wilmington Del. 56.36 61.11 1,662,223 1,588,741 4.6 378,829,217
154 Synovus Financial Corp. Columbus Ga. 56.41 59.72 201,699 191,034 5.6 31,740,305
Community Bank System, Inc. De Witt N.Y. 56.41 75.67 85,596 101,898 -16.0 10,633,094
156 First Commonwealth Financial Corporation Indiana Pa. 56.44 73.34 48,574 57,044 -14.8 7,648,755
Bridge Bancorp, Inc. Bridgehampton N.Y. 56.44 58.12 22,476 20,976 7.2 4,412,954
158 Summit Financial Group, Inc. Moorefield W.Va. 56.46 60.36 12,514 13,835 -9.5 2,107,652
159 Three Shores Bancorporation, Inc. Orlando Fla. 56.55 62.48 8,820 8,989 -1.9 1,821,533
160 United Community Banks, Inc. Blairsville Ga. 56.58 57.24 76,365 63,174 20.9 12,388,309
161 Central Bancompany, Inc. Jefferson City Mo. 56.59 59.33 82,429 81,487 1.2 12,638,779
162 First BanCorp. San Juan P.R. 56.61 59.25 87,939 88,700 -0.9 12,384,862
163 Bank of Marin Bancorp Novato Calif. 56.62 59.90 14,509 12,631 14.9 2,465,042
164 First Community Bankshares, Inc. Bluefield Va. 56.66 59.22 16,975 17,274 -1.7 2,348,120
165 Columbia Banking System, Inc. Tacoma Wash. 56.78 59.45 84,583 69,237 22.2 12,628,586
166 Republic Bancorp Co. Oak Brook Ill. 56.90 55.60 13,394 13,015 2.9 1,998,717
167 First Mid-Illinois Bancshares, Inc. Mattoon Ill. 56.91 52.59 20,995 18,065 16.2 3,369,473
168 United Community Financial Corp. Youngstown Ohio 56.94 55.37 15,528 15,311 1.4 2,775,475
169 National Commerce Corporation Birmingham Ala. 57.11 59.67 22,387 17,742 26.2 3,214,367
170 Farmers & Merchants Investment, Inc. Lincoln Neb. 57.16 65.23 34,113 32,636 4.5 4,136,144
171 BayCom Corp Walnut Creek Calif. 57.19 NA 8,768 NA NA 1,345,672
172 Horizon Bancorp, Inc. Michigan City Ind. 57.23 60.29 24,942 22,488 10.9 4,076,611
173 CBTX, Inc. Beaumont Tex. 57.31 61.00 20,141 19,008 6.0 3,100,928
JPMorgan Chase & Co. New York N.Y. 57.31 56.39 16,081,000 14,659,000 9.7 2,590,050,000
175 Farmers National Banc Corp. Canfield Ohio 57.37 61.07 15,430 15,810 -2.4 2,235,623
176 Huntington Bancshares Incorporated Columbus Ohio 57.43 62.24 662,904 685,652 -3.3 105,358,398
177 United Bank Corporation Barnesville Ga. 57.50 60.21 10,010 9,655 3.7 1,339,412
178 Hanmi Financial Corporation Los Angeles Calif. 57.51 54.58 29,422 28,434 3.5 5,415,202
179 Southern First Bancshares, Inc. Greenville S.C. 57.68 58.98 10,093 8,841 14.2 1,788,953
180 BTC Financial Corporation Des Moines Iowa 57.76 60.15 26,468 25,271 4.7 4,434,833
181 Bankwell Financial Group, Inc. New Canaan Conn. 57.90 51.23 8,597 7,415 15.9 1,871,004
182 First Interstate BancSystem, Inc. Billings Mont. 57.92 67.34 84,160 79,870 5.4 12,236,146
German American Bancorp, Inc. Jasper Ind. 57.92 55.32 21,708 18,996 14.3 3,345,463
Bank Leumi Le-Israel Corporation New York N.Y. 57.92 62.08 44,285 41,869 5.8 6,768,393
185 NBT Bancorp Inc. Norwich N.Y. 57.93 58.96 65,121 60,788 7.1 9,467,138
Camden National Corporation Camden Maine 57.93 55.54 22,888 22,156 3.3 4,193,782
187 Community Trust Bancorp, Inc. Pikeville Ky. 57.94 53.78 32,439 27,566 17.7 4,205,186
188 Berkshire Hills Bancorp, Inc. Boston Mass. 57.95 65.48 72,035 69,491 3.7 11,905,340
189 Citizens Financial Group, Inc. Providence R.I. 57.96 61.54 878,226 865,704 1.4 155,838,315
190 Bank of America Corp. Charlotte N.C. 57.97 58.67 13,281,000 13,465,000 -1.4 2,291,858,000
WesBanco, Inc. Wheeling W.Va. 57.97 56.27 63,271 55,602 13.8 10,951,637
BB&T Corporation Winston-Salem N.C. 57.97 59.06 1,711,000 1,744,601 -1.9 222,681,000
193 F.N.B. Corporation Pittsburgh Pa. 58.07 54.96 181,501 163,076 11.3 32,257,563
194 Valley National Bancorp Wayne N.J. 58.26 59.66 150,458 119,606 25.8 30,182,979
195 Citigroup Inc. New York N.Y. 58.30 59.42 10,969,000 10,870,000 0.9 1,912,334,000
196 Fifth Third Bancorp Cincinnati Ohio 58.41 63.27 1,036,040 955,813 8.4 140,695,256
197 1st Source Corporation South Bend Ind. 58.59 58.84 46,061 41,564 10.8 6,320,466
198 Great Southern Bancorp, Inc. Springfield Mo. 58.66 51.79 28,173 28,606 -1.5 4,572,086
199 Santander Holdings USA, Inc. Boston Mass. 58.72 55.18 1,446,048 1,384,002 4.5 130,138,694
200 PNC Financial Services Group, Inc. Pittsburgh Pa. 58.78 59.80 2,582,285 2,474,089 4.4 380,796,207

Note: Only top tier bank holding companies that file a Y-9C statement with the Fed as of Nov. 2, 2018, are included. *Noninterest expense divided by (total income minus interest expense)
Figures for prior periods are not adjusted for mergers and acquisitions.
© 2017 American Banker
Source: Financial Information Systems LLC (

www.FEDFIS.com
)

Banks, thrifts and holding companies