RANKING ·
Lowest efficiency ratio in Ohio
131 of 160 banks in Ohio 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.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | The Home Loan Savings Bank | Coshocton, OH | 35.8% | $387 million |
| 2 | The Peoples Bank Co. | Coldwater, OH | 37.5% | $859 million |
| 3 | The St. Henry Bank | St. Henry, OH | 38.6% | $436 million |
| 4 | First Federal Community Bank N.A. | Dover, OH | 42.1% | $995 million |
| 5 | First Bank of Ohio | Tiffin, OH | 42.6% | $278 million |
| 6 | Spring Valley Bank | Wyoming, OH | 43.7% | $114 million |
| 7 | The National Bank of Adams County of West Union | West Union, OH | 44.3% | $115 million |
| 8 | Sutton Bank | Attica, OH | 44.7% | $1.7 billion |
| 9 | Settlers Bank | Marietta, OH | 45.4% | $142 million |
| 10 | Cfbank N.A. | Columbus, OH | 45.9% | $2.2 billion |
| 11 | Signature Bank N.A. | Toledo, OH | 46.1% | $1.3 billion |
| 12 | Farmers & Merchants Bank | Miamisburg, OH | 46.9% | $359 million |
| 13 | Waterford Bank N.A. | Toledo, OH | 47.5% | $1.8 billion |
| 14 | Main Street Bank Corp. | Wooster, OH | 47.9% | $1.6 billion |
| 15 | Guardian Savings Bank | West Chester, OH | 48.1% | $1.4 billion |
| 16 | Greenville National Bank | Greenville, OH | 48.2% | $641 million |
| 17 | The Hamler State Bank | Hamler, OH | 48.6% | $125 million |
| 18 | Minster Bank | Minster, OH | 48.8% | $812 million |
| 19 | The Citizens National Bank of Bluffton | Bluffton, OH | 49.2% | $1.1 billion |
| 20 | Ohio State Bank | Bexley, OH | 50.0% | $484 million |
| 21 | First National Bank in New Bremen | New Bremen, OH | 50.3% | $467 million |
| 22 | The North Side Bank and Trust Company | Cincinnati, OH | 50.9% | $1.2 billion |
| 23 | Union Savings Bank | Cincinnati, OH | 51.8% | $4.0 billion |
| 24 | The Harrison Building and Loan Association | Harrison, OH | 51.9% | $268 million |
| 25 | New Carlisle Federal Savings Bank | New Carlisle, OH | 52.0% | $330 million |
| 26 | The Corn City State Bank | Deshler, OH | 52.2% | $104 million |
| 27 | The Commercial and Savings Bank of Millersburg, Ohio | Millersburg, OH | 52.5% | $1.3 billion |
| 28 | The Park National Bank | Newark, OH | 54.0% | $12.6 billion |
| 29 | JPMorgan Chase Bank N.A. | Columbus, OH | 54.2% | $4.1 trillion |
| 30 | The Farmers & Merchants State Bank | Archbold, OH | 54.4% | $3.5 billion |
| 31 | SSB Community Bank | Strasburg, OH | 55.0% | $297 million |
| 32 | Keybank N.A. | Cleveland, OH | 55.0% | $189 billion |
| 33 | The Farmers State Bank | New Madison, OH | 55.1% | $330 million |
| 34 | The Hocking Valley Bank | Athens, OH | 55.3% | $354 million |
| 35 | U.S. Bank N.A. | Cincinnati, OH | 55.3% | $706 billion |
| 36 | The Old Fort Banking Company | Old Fort, OH | 55.4% | $844 million |
| 37 | The Farmers National Bank of Canfield | Canfield, OH | 55.8% | $7.2 billion |
| 38 | The Farmers and Merchants Bank | Caldwell, OH | 56.3% | $136 million |
| 39 | The Croghan Colonial Bank | Fremont, OH | 56.5% | $1.4 billion |
| 40 | First Financial Bank | Cincinnati, OH | 56.7% | $22.4 billion |
| 41 | The Killbuck Savings Bank Company | Killbuck, OH | 57.4% | $954 million |
| 42 | Peoples Bank | Marietta, OH | 57.4% | $9.5 billion |
| 43 | The First National Bank of Sycamore | Sycamore, OH | 57.6% | $239 million |
| 44 | The Union Bank Company | Columbus Grove, OH | 57.8% | $1.4 billion |
| 45 | Vinton County National Bank | Mcarthur, OH | 58.0% | $1.6 billion |
| 46 | The Fort Jennings State Bank | Fort Jennings, OH | 58.1% | $286 million |
| 47 | Civista Bank | Sandusky, OH | 58.3% | $4.3 billion |
| 48 | Third Federal Savings & Loan Association of Cleveland | Cleveland, OH | 58.5% | $18.1 billion |
| 49 | The Ohio Valley Bank Company | Gallipolis, OH | 59.5% | $1.6 billion |
| 50 | The Citizens National Bank of Woodsfield | Woodsfield, OH | 60.0% | $154 million |
| 51 | The Huntington National Bank | Columbus, OH | 60.1% | $283 billion |
| 52 | The Bank of Magnolia Company | Magnolia, OH | 60.6% | $108 million |
| 53 | Lcnb National Bank | Lebanon, OH | 60.7% | $2.2 billion |
| 54 | Portage Community Bank | Ravenna, OH | 60.7% | $552 million |
| 55 | Merchants National Bank | Hillsboro, OH | 60.8% | $1.3 billion |
| 56 | The Richwood Banking Company Inc. | Richwood, OH | 61.1% | $1.3 billion |
| 57 | The Apple Creek Banking Company | Apple Creek, OH | 61.1% | $271 million |
| 58 | Fifth Third Bank N.A. | Cincinnati, OH | 61.4% | $299 billion |
| 59 | Osgood Bank | Osgood, OH | 61.6% | $486 million |
| 60 | Unified Bank | Martins Ferry, OH | 61.8% | $872 million |
| 61 | The Fahey Banking Company | Marion, OH | 62.1% | $385 million |
| 62 | Home Savings and Loan Company of Kenton, Ohio, the Dba Hslc | Kenton, OH | 62.2% | $245 million |
| 63 | Liberty Savings Bank, F.S.B. | Wilmington, OH | 63.0% | $1.1 billion |
| 64 | First State Bank | Winchester, OH | 63.2% | $1.2 billion |
| 65 | The First National Bank of Mcconnelsville | Mcconnelsville, OH | 63.3% | $200 million |
| 66 | The Citizens Bank Company | Beverly, OH | 63.3% | $335 million |
| 67 | The Twin Valley Bank | West Alexandria, OH | 63.5% | $138 million |
| 68 | The Cincinnatus Savings and Loan Company | Cincinnati, OH | 65.0% | $193 million |
| 69 | The State Bank and Trust Company | Defiance, OH | 66.0% | $1.6 billion |
| 70 | National Cooperative Bank N.A. | Hillsboro, OH | 66.1% | $4.3 billion |
| 71 | First Federal Community Bank of Bucyrus | Bucyrus, OH | 66.6% | $374 million |
| 72 | Consumers National Bank | Minerva, OH | 66.8% | $1.3 billion |
| 73 | First Federal Savings and Loan Association of Delta | Delta, OH | 66.9% | $246 million |
| 74 | Miami Savings Bank | Miamitown, OH | 67.2% | $148 million |
| 75 | Woodsfield Savings Bank | Woodsfield, OH | 67.6% | $123 million |
| 76 | Independence Bank | Independence, OH | 67.9% | $191 million |
| 77 | The Wilmington Savings Bank | Wilmington, OH | 68.0% | $267 million |
| 78 | The Community Bank | Zanesville, OH | 68.6% | $680 million |
| 79 | Community Savings | Caldwell, OH | 69.2% | $285 million |
| 80 | The Genoa Banking Company | Genoa, OH | 69.8% | $748 million |
| 81 | Peoples State Bank | New Lexington, OH | 69.8% | $286 million |
| 82 | The Farmers Bank and Savings Company | Pomeroy, OH | 70.4% | $472 million |
| 83 | The First National Bank of Waverly | Waverly, OH | 70.4% | $196 million |
| 84 | Farmers State Bank | West Salem, OH | 70.4% | $188 million |
| 85 | The First National Bank of Pandora | Pandora, OH | 70.7% | $299 million |
| 86 | The Peoples Savings and Loan Company | West Liberty, OH | 70.8% | $110 million |
| 87 | Kingston National Bank | Kingston, OH | 71.3% | $586 million |
| 88 | The Peoples Savings Bank | Urbana, OH | 71.6% | $189 million |
| 89 | North Valley Bank | Zanesville, OH | 72.1% | $427 million |
| 90 | The Citizens National Bank of Mcconnelsville | Mcconnelsville, OH | 72.1% | $102 million |
| 91 | The Savings Bank | Circleville, OH | 72.2% | $520 million |
| 92 | The Andover Bank | Andover, OH | 72.4% | $595 million |
| 93 | Mechanics Bank | Mansfield, OH | 73.7% | $896 million |
| 94 | Riverhills Bank | Milford, OH | 73.9% | $341 million |
| 95 | The Hicksville Bank | Hicksville, OH | 76.1% | $221 million |
| 96 | Somerville Bank | Eaton, OH | 76.4% | $291 million |
| 97 | Buckeye State Bank | Powell, OH | 77.2% | $569 million |
| 98 | The Sherwood State Bank | Sherwood, OH | 77.4% | $108 million |
| 99 | Belmont Savings Bank | Bellaire, OH | 77.5% | $613 million |
| 100 | Citizens Federal Savings & Loan Association | Bellefontaine, OH | 77.6% | $186 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings