RANKING · Q2 2026

Lowest efficiency ratio

3695 of 4313 banks that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.

Lowest efficiency ratio, Q2 2026
Rank	Institution	Headquarters	Efficiency ratio (noninterest expense / revenue)	Total assets
1	Wsb Municipal Bank	Watertown, NY	1.8%	$152 million
2	Wells Fargo Trust Company N.A.	Ogden, UT	3.6%	$1.3 billion
3	Beal Bank USA	Las Vegas, NV	3.9%	$11.0 billion
4	Greene County Commercial Bank	Catskill, NY	9.8%	$1.3 billion
5	Ameriprise Bank FSB	Minneapolis, MN	10.4%	$25.5 billion
6	Bank of Louisiana	New Orleans, LA	11.0%	$110 million
7	Titan Bank N.A.	Mineral Wells, TX	11.2%	$896 million
8	Bank of Alma	Alma, WI	12.4%	$340 million
9	Wells Fargo Bank South Central N.A.	Houston, TX	13.5%	$2.6 billion
10	Wells Fargo Delaware Trust Company N.A.	Wilmington, DE	14.2%	$242 million
11	Charles Schwab Premier Bank SSB	Westlake, TX	15.1%	$26.6 billion
12	Monet Bank	Plano, TX	15.8%	$3.2 billion
13	Square Financial Services Inc.	Salt Lake City, UT	16.2%	$2.1 billion
14	The First National Bank of Bangor	Bangor, WI	16.9%	$364 million
15	Bmw Bank of North America	Salt Lake City, UT	17.0%	$13.8 billion
16	Charles Schwab Bank SSB	Westlake, TX	17.2%	$251 billion
17	U.S. Bank Trust National Association Sd	Sioux Falls, SD	17.9%	$192 million
18	Prime Alliance Bank	Woods Cross, UT	18.9%	$1.1 billion
19	Grant County State Bank	Swayzee, IN	20.0%	$396 million
20	Wells Fargo National Bank West	Las Vegas, NV	21.5%	$8.8 billion
21	State Bank of Texas	Irving, TX	22.1%	$2.6 billion
22	U.S. Bank Trust Company N.A.	Portland, OR	22.3%	$3.2 billion
23	Lee Bank & Trust Company	Pennington Gap, VA	22.4%	$257 million
24	Vermillion State Bank	Vermillion, MN	22.5%	$931 million
25	John Deere Financial, F.S.B.	Middleton, WI	23.3%	$4.9 billion
26	Bank of Montana	Missoula, MT	23.5%	$309 million
27	Charles Schwab Trust Bank	Westlake, TX	23.7%	$10.5 billion
28	Rbc Bank (Georgia) N.A.	Atlanta, GA	24.4%	$9.6 billion
29	UBS Bank USA	Salt Lake City, UT	24.6%	$124 billion
30	BNY Mellon Trust of Delaware	Wilmington, DE	25.1%	$255 million
31	First National Bank of America	East Lansing, MI	26.3%	$6.8 billion
32	The Bank of Southside Virginia	Carson, VA	26.3%	$670 million
33	Corydon State Bank	Corydon, IA	26.6%	$138 million
34	Morgan Stanley Private Bank N.A.	Purchase, NY	26.7%	$250 billion
35	Stifel Bank and Trust	Saint Louis, MO	27.0%	$19.6 billion
36	Horizon Bank	Waverly, NE	27.3%	$574 million
37	First Credit Bank	Los Angeles, CA	27.3%	$516 million
38	Stifel Trust Company Delaware N.A.	Greenville, DE	27.4%	$330 million
39	Medallion Bank	Salt Lake City, UT	27.5%	$2.8 billion
40	Anchor Bank	Palm Beach Garde, FL	27.5%	$806 million
41	Security State Bank	Sutherland, IA	27.7%	$492 million
42	Amboy Bank	Old Bridge, NJ	27.9%	$3.1 billion
43	Stifel Bank	Saint Louis, MO	27.9%	$14.6 billion
44	Citizens Bank	Carthage, TN	28.2%	$832 million
45	Parke Bank	Sewell, NJ	28.5%	$2.3 billion
46	The Lamesa National Bank	Lamesa, TX	28.8%	$427 million
47	The Falls City National Bank	Falls City, TX	29.0%	$597 million
48	The First National Bank of Mertzon	Mertzon, TX	29.1%	$500 million
49	Bank of Lake Mills	Lake Mills, WI	29.3%	$534 million
50	River City Bank	Sacramento, CA	29.3%	$6.0 billion
51	Servisfirst Bank	Birmingham, AL	29.5%	$18.3 billion
52	Northbrook Bank & Trust Company N.A.	Northbrook, IL	29.5%	$6.4 billion
53	Cumberland Security Bank Inc.	Somerset, KY	29.5%	$420 million
54	Village Bank & Trust N.A.	Arlington Height, IL	30.2%	$3.6 billion
55	Malaga Bank FSB	Palos Verdes Pen, CA	30.3%	$1.4 billion
56	Eaglemark Savings Bank	Reno, NV	30.6%	$756 million
57	American Interstate Bank	Elkhorn, NE	30.6%	$132 million
58	American Plus Bank N.A.	Arcadia, CA	30.8%	$935 million
59	First General Bank	Rowland Heights, CA	30.9%	$1.2 billion
60	Putnam County State Bank	Unionville, MO	31.0%	$318 million
61	The First National Bank of Stanton	Stanton, TX	31.3%	$395 million
62	Wheaton Bank & Trust Company N.A.	Wheaton, IL	31.5%	$4.8 billion
63	Bank of New England	Salem, NH	31.6%	$1.8 billion
64	Optum Bank Inc.	Draper, UT	31.7%	$21.4 billion
65	The Yellowstone Bank	Laurel, MT	32.1%	$1.3 billion
66	Blueharbor Bank	Mooresville, NC	32.1%	$628 million
67	Jonesboro State Bank	Jonesboro, LA	32.2%	$1.3 billion
68	Preferred Bank	Los Angeles, CA	32.3%	$7.7 billion
69	American Bank N.A.	Dallas, TX	32.5%	$774 million
70	The Pitney Bowes Bank Inc.	Salt Lake City, UT	32.6%	$796 million
71	Slovenian Savings and Loan Association of Canonsburg, Pa	Strabane, PA	32.6%	$627 million
72	Kansas State Bank	Overbrook, KS	32.8%	$101 million
73	First Federal Savings and Loan Bank	Olathe, KS	32.9%	$109 million
74	Libertyville Bank & Trust Company N.A.	Libertyville, IL	33.0%	$3.3 billion
75	Garden Plain State Bank	Wichita, KS	33.2%	$191 million
76	Crystal Lake Bank & Trust Company N.A.	Crystal Lake, IL	33.2%	$2.3 billion
77	New Albin Savings Bank	New Albin, IA	33.3%	$351 million
78	Bank of Utica	Utica, NY	33.4%	$1.5 billion
79	Heritage Bank	Wood River, NE	33.4%	$612 million
80	Germantown Trust & Savings Bank	Breese, IL	33.5%	$524 million
81	Capital Community Bank	Provo, UT	33.6%	$1.6 billion
82	Interbank	Oklahoma City, OK	33.6%	$5.3 billion
83	The First Bank of Okarche	Okarche, OK	33.6%	$137 million
84	Celtic Bank Corporation	Salt Lake City, UT	33.8%	$5.3 billion
85	Liberty State Bank	Powers Lake, ND	33.8%	$159 million
86	Commerce Bank	Laredo, TX	33.9%	$762 million
87	Bellevue State Bank	Bellevue, IA	34.0%	$188 million
88	The Bank of Commerce	Ammon, ID	34.1%	$2.3 billion
89	First American Trust FSB	Santa Ana, CA	34.2%	$9.2 billion
90	Bank of Odessa	Odessa, MO	34.2%	$667 million
91	Merrick Bank	South Jordan, UT	34.4%	$9.1 billion
92	The State National Bank of Big Spring	Big Spring, TX	34.5%	$640 million
93	Citizens 1st Bank	Tyler, TX	34.8%	$811 million
94	The Bank of Charlotte County	Phenix, VA	35.1%	$223 million
95	Schaumburg Bank & Trust Company N.A.	Schaumburg, IL	35.1%	$2.6 billion
96	Raymond James Bank	Saint Petersburg, FL	35.2%	$45.6 billion
97	Exchange Bank	Kearney, NE	35.2%	$1.6 billion
98	Central Bank of Kansas City	Kansas City, MO	35.2%	$410 million
99	Cass Commercial Bank	Des Peres, MO	35.4%	$1.3 billion
100	Pocahontas State Bank	Pocahontas, IA	35.4%	$123 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings