U.S. Banks under $100M in Assets — Efficiency Ratio, 2025Q2

Population: 661 Call Report filers, reporting date 2025-06-30.

Cite as: FACTANKER, https://factanker.com/banks/assets-lt-100m/efficiency-ratio/2025Q2

← 2025Q1 · 2025Q3 → · latest quarter

10th percentile	51.9%
25th percentile	60.8%
Median	73.5%
75th percentile	87.5%
90th percentile	107.9%
Mean	82.0%
Minimum	0.0%
Maximum	891.1%

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 2025-06-30; percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain). Data: FACTANKER registry, precomputed 2026-09-06.

Evidence samples

Largest institutions in this group

INTEGRITY BANK FOR BUSINESS $100.0M assets · evidence
OWINGSVILLE BANKING COMPANY $99.9M assets · evidence
FIRST SECURITY BANK, THE $99.6M assets · evidence
NORTHERN STATE BANK OF VIRGINIA $99.1M assets · evidence
WEST PLAINS SAVINGS AND LOAN ASSOCIATION $99.0M 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 under $100M in Assets benchmarks · All bank benchmarks