U.S. Banks with $300M-$1B in Assets — Efficiency Ratio, 2002Q4

Population: 1054 Call Report filers, reporting date 2002-12-31.

Cite as: FACTANKER, https://factanker.com/banks/assets-300m-1b/efficiency-ratio/2002Q4

← 2002Q3 · 2003Q1 → · latest quarter

10th percentile	45.4%
25th percentile	53.2%
Median	59.8%
75th percentile	66.9%
90th percentile	74.7%
Mean	60.6%
Minimum	1.3%
Maximum	506.9%

Methodology & sources
Year-to-date noninterest expense (RIAD4093) divided by the sum of year-to-date net interest income (RIAD4074) and noninterest income (RIAD4079). Both sides cover the same window, so no annualization is applied. Lower is better.
One row per reporting institution (RSSD) as of 2002-12-31; percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain). Data: FACTANKER registry, precomputed 2026-09-03.

Evidence samples

Largest institutions in this group

CITIZENS & NORTHERN BANK $996.6M assets · evidence
PATRIOT BANK $996.0M assets · evidence
BLUE BALL NATIONAL BANK, THE $995.5M assets · evidence
PLACER SIERRA BANK $995.0M assets · evidence
CENTRAL BANK & TRUST COMPANY $992.3M assets · evidence

Not claimed

Population is Call Report filers (FDIC-insured commercial banks and savings institutions). Credit unions, holding companies and non-US banks are not part of it.
One row per reporting institution (RSSD), not per banking group: a holding company with three bank subsidiaries counts three times.
Income statement items are year-to-date, not quarterly. Ratios marked annualized are multiplied by 4 / quarter number; net income is not.
The state of an institution is its current head-office state from the Call Report directory, applied to all of its quarters.
Comparisons across 2011Q4 / 2012Q1 are not pure market movement: thrift institutions moved from the Thrift Financial Report into the Call Report in 2012Q1 (filers 6,789 -> 7,377).
sample_fact_ids evidence the three largest institutions of the class, not every number in the distribution.

All quarters of this metric · All U.S. Banks with $300M-$1B in Assets benchmarks · All bank benchmarks