State Rankings & Insights
See how banks across ALABAMA rank on Efficiency Ratio for 2024Q4. Values are reported in percentage terms as of 2024-12-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 76.20%
- Median: 65.28%
- Min / Max: 35.19% — 731.58%
Top banks by Efficiency Ratio in ALABAMA
ALAMERICA BANK – BIRMINGHAMLIFESTEPS BANK&TRUST – UNION SPRINGSFARMERS&MERCHANTS BANK – WATERLOONOVA BANK – HUNTSVILLEBANK OF BREWTON – BREWTONFIRST FEDERAL BANK A FSB – TUSCALOOSALOCAL BANK – TUSCALOOSACOMMONWEALTH NATIONAL BANK – MOBILEUNION STATE BANK – PELL CITYFIRST NATIONAL BANK&TRUST – ATMORE
Count
95
Sum
7239.07%
Avg
76.20%
Median
65.28%
Min
35.19%
Max
731.58%
| Bank | City | Efficiency Ratio |
|---|---|---|
| ALAMERICA BANK | BIRMINGHAM | 731.58% |
| LIFESTEPS BANK&TRUST | UNION SPRINGS | 182.91% |
| FARMERS&MERCHANTS BANK | WATERLOO | 149.24% |
| NOVA BANK | HUNTSVILLE | 134.49% |
| BANK OF BREWTON | BREWTON | 119.48% |
| FIRST FEDERAL BANK A FSB | TUSCALOOSA | 115.66% |
| LOCAL BANK | TUSCALOOSA | 110.36% |
| COMMONWEALTH NATIONAL BANK | MOBILE | 96.78% |
| UNION STATE BANK | PELL CITY | 93.98% |
| FIRST NATIONAL BANK&TRUST | ATMORE | 92.43% |
| BRANTLEY BANK&TRUST CO | BRANTLEY | 89.89% |
| FIRST CMTY BANK OF CULLMAN | CULLMAN | 88.68% |
| CITIZENS BANK OF WINFIELD | WINFIELD | 85.07% |
| FIRST PROGRESSIVE BANK | BREWTON | 83.19% |
| BANK OF WALKER COUNTY | JASPER | 82.11% |
| CITIZENS BANK&TRUST | GUNTERSVILLE | 81.62% |
| FARMERS&MERCHANTS BANK | PIEDMONT | 80.69% |
| CITIZENS BANK INC | ROBERTSDALE | 80.16% |
| MARION COMMUNITY BANK | MARION | 77.01% |
| SOUTHERN BANK CO | GADSDEN | 75.90% |
| MERIT BANK | HUNTSVILLE | 75.48% |
| PEOPLES EXCHANGE BANK | MONROEVILLE | 75.20% |
| CITIZENS BANK | GREENSBORO | 74.61% |
| BANK INDEPENDENT | SHEFFIELD | 74.32% |
| MILLENNIAL BANK | LEEDS | 74.05% |
| FIRST STB OF THE SOUTH INC | SULLIGENT | 73.73% |
| MIDSOUTH BANK | DOTHAN | 72.88% |
| STATE BANK&TRUST | WINFIELD | 72.45% |
| FIRST FINANCIAL BANK | BESSEMER | 71.81% |
| SOUTHERN INDEPENDENT BANK | OPP | 71.74% |
| FIRST NB OF HARTFORD | HARTFORD | 71.57% |
| BANK OF EVERGREEN | EVERGREEN | 70.80% |
| PREMIER BANK OF THE SOUTH | CULLMAN | 70.41% |
| FIRST FIDELITY BANK | FORT PAYNE | 70.22% |
| AUBURNBANK | AUBURN | 69.43% |
| FRIEND BANK | SLOCOMB | 69.36% |
| BANK OF VERNON | VERNON | 68.74% |
| PHENIX-GIRARD BANK | PHENIX CITY | 68.47% |
| CULLMAN SAVINGS BANK | CULLMAN | 68.45% |
| COMMUNITY SPIRIT BANK | RED BAY | 68.39% |
| PEOPLES BANK OF GREENSBORO | GREENSBORO | 67.25% |
| 22ND STATE BANK | LOUISVILLE | 66.94% |
| CB&S BANK INC | RUSSELLVILLE | 66.62% |
| FIRST US BANK | BIRMINGHAM | 66.06% |
| SWEET WATER STATE BANK | SWEET WATER | 65.89% |
| FIRSTSTATE BANK | LINEVILLE | 65.86% |
| CITIZENS BANK | ENTERPRISE | 65.68% |
| FIRST CAHAWBA BANK | SELMA | 65.28% |
| MERCHANTS&FARMERS BK GREENE | EUTAW | 65.27% |
| AMERIFIRST BANK | MONTGOMERY | 65.10% |
| TRADITIONS BANK | CULLMAN | 64.69% |
| WEST ALABAMA BANK&TRUST | REFORM | 64.37% |
| ROBERTSON BANKING CO | DEMOPOLIS | 64.34% |
| LIBERTY BANK | GERALDINE | 64.26% |
| OAKWORTH CAPITAL BANK | BIRMINGHAM | 63.89% |
| PEOPLESTRUST BANK | HAMILTON | 63.11% |
| COMMUNITY NEIGHBOR BANK | CAMDEN | 63.01% |
| VALLEY STATE BANK | RUSSELLVILLE | 62.95% |
| PEOPLES BANK OF ALABAMA | CULLMAN | 62.47% |
| COMMERCIAL BANK OF OZARK | OZARK | 62.40% |
| BANK OF MOUNDVILLE | MOUNDVILLE | 62.11% |
| CENTRAL STATE BANK | CALERA | 61.76% |
| FIRST SOUTHERN STATE BANK | STEVENSON | 61.74% |
| EXCHANGE BANK OF ALABAMA | ALTOONA | 61.60% |
| HNB FIRST BANK | HEADLAND | 61.25% |
| FARMERS&MERCHANTS BANK | LAFAYETTE | 60.20% |
| FIRST CITIZENS BANK | LUVERNE | 60.06% |
| NORTH ALABAMA BANK | HAZEL GREEN | 59.24% |
| PINNACLE BANK | JASPER | 58.90% |
| FIRST BANK OF ALABAMA | TALLADEGA | 58.24% |
| BANKSOUTH | DOTHAN | 57.31% |
| FIRST SOUTHERN BANK | FLORENCE | 56.34% |
| NOBLEBANK&TRUST | ANNISTON | 56.20% |
| HOMETOWN BANK OF ALABAMA | ONEONTA | 56.17% |
| EVABANK | EVA | 55.77% |
| TROY BANK&TRUST CO | TROY | 55.59% |
| FIRST NATIONAL BANK | HAMILTON | 54.15% |
| DOZIER BANK | DOZIER | 53.54% |
| CCB COMMUNITY BANK | ANDALUSIA | 53.53% |
| REGIONS BANK | BIRMINGHAM | 53.52% |
| FIRST BANK OF BOAZ | BOAZ | 53.25% |
| PEOPLES INDEPENDENT BANK | BOAZ | 52.95% |
| SOUTHPOINT BANK | BIRMINGHAM | 52.71% |
| RIVER BANK&TRUST | PRATTVILLE | 51.96% |
| BRYANT BANK | TUSCALOOSA | 49.96% |
| FIRST STB OF DEKALB COUNTY | FORT PAYNE | 49.89% |
| SAMSON BANKING CO INC | SAMSON | 48.91% |
| UNITED BANK | ATMORE | 47.60% |
| FIRST JACKSON BANK INC | STEVENSON | 47.54% |
| FIRST CMTY BANK OF CNTL AL | WETUMPKA | 44.08% |
| FIRST METRO BANK | MUSCLE SHOALS | 43.85% |
| COMMERCEONE BANK | BIRMINGHAM | 42.92% |
| SOUTHERN STATES BANK | ANNISTON | 41.68% |
| METRO BANK | PELL CITY | 40.58% |
| SERVISFIRST BANK | BIRMINGHAM | 35.19% |