State Rankings & Insights
See how banks across IOWA 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: 67.78%
- Median: 65.17%
- Min / Max: 12.77% — 238.82%
Top banks by Efficiency Ratio in IOWA
Count
235
Sum
15928.49%
Avg
67.78%
Median
65.17%
Min
12.77%
Max
238.82%
| Bank | City | Efficiency Ratio |
|---|---|---|
| AMERICAN TRUST&SAVINGS BANK | LOWDEN | 238.82% |
| FIRST TRUST&SAVINGS BANK | CORALVILLE | 166.53% |
| MAXWELL STATE BANK | MAXWELL | 146.55% |
| STATE BANK | SPIRIT LAKE | 129.01% |
| HERITAGE BANK | MARION | 120.21% |
| ELGIN STATE BANK | ELGIN | 116.40% |
| FARMERS SAVINGS BANK | WEVER | 115.93% |
| LINCOLN SAVINGS BANK | REINBECK | 104.80% |
| WCF FINANCIAL BANK | WEBSTER CITY | 104.59% |
| DEFIANCE STATE BANK | DEFIANCE | 100.25% |
| FARMERS&MERCHANTS BANK&TRUST | BURLINGTON | 98.23% |
| AMERICAN B&T CO NA | DAVENPORT | 97.21% |
| FIRST NB OF PRIMGHAR | PRIMGHAR | 97.06% |
| COMMUNITY BANK OF OELWEIN | OELWEIN | 93.64% |
| TS BANK | TREYNOR | 92.93% |
| FARMERS SAVINGS BANK | MARSHALLTOWN | 89.23% |
| COMMUNITY STATE BANK | PATON | 88.64% |
| FIRST SECURITY BANK&TRUST CO | CHARLES CITY | 88.54% |
| CITIZENS SAVINGS BANK | SPILLVILLE | 88.33% |
| STATE BANK OF TOLEDO | TOLEDO | 88.29% |
| FIRST NB OF MANNING | MANNING | 88.02% |
| STATE BANK OF SCHALLER | SCHALLER | 87.22% |
| SECURITY STATE BANK | RADCLIFFE | 87.00% |
| UNION STATE BANK | WINTERSET | 86.07% |
| FIRST COMMUNITY TRUST NA | DUBUQUE | 85.69% |
| CLINTON NATIONAL BANK | CLINTON | 85.41% |
| DANVILLE STATE SAVINGS BANK | NEW LONDON | 85.33% |
| CAPRA BANK | DUBUQUE | 85.07% |
| DENVER SAVINGS BANK | DENVER | 82.95% |
| CENTRAL BANK | STORM LAKE | 82.73% |
| FEDERATION BANK | WASHINGTON | 82.09% |
| PEOPLES BANK | CLIVE | 81.85% |
| BANK | WAPELLO | 81.70% |
| FARMERS SAVINGS BANK | COLESBURG | 81.46% |
| FARMERS STATE BANK | NORTHWOOD | 81.16% |
| TRI-VALLEY BANK | RANDOLPH | 81.02% |
| SOUTH STORY BANK&TRUST | SLATER | 80.99% |
| PREMIER BANK | DUBUQUE | 80.80% |
| EXCHANGE STATE BANK | SPRINGVILLE | 80.56% |
| COMMUNITY BANK&TRUST CO | MUSCATINE | 80.25% |
| FAIRFAX STATE SAVINGS BANK | FAIRFAX | 79.58% |
| GLENWOOD STATE BANK | GLENWOOD | 79.30% |
| FIRST SECURITY BANK | MAPLETON | 79.02% |
| BANK PLUS | ESTHERVILLE | 78.81% |
| AVAILA BANK | CARROLL | 78.77% |
| CHARTER BANK | JOHNSTON | 78.62% |
| COMMUNITY BANK | DUNLAP | 78.26% |
| WAUKON STATE BANK | WAUKON | 77.91% |
| AMERICAN BANK NATIONAL ASSN | LE MARS | 77.55% |
| PALO SAVINGS BANK | PALO | 77.19% |
| FNNB BANK | NEWTON | 77.14% |
| DEWITT BANK&TRUST CO | DEWITT | 76.92% |
| KERNDT BROTHERS SAVINGS BANK | LANSING | 76.73% |
| FARMERS STATE BANK | LAKE VIEW | 76.55% |
| CITIZENS SAVINGS BANK | MARSHALLTOWN | 76.33% |
| DYSART STATE BANK | DYSART | 76.21% |
| RACCOON VALLEY BANK | PERRY | 75.92% |
| KEYSTONE SAVINGS BANK | MARENGO | 75.46% |
| PEOPLES SAVINGS BANK | WELLSBURG | 75.19% |
| CEDAR VALLEY BANK&TRUST | LA PORTE CITY | 74.96% |
| BANK MIDWEST | SPIRIT LAKE | 74.66% |
| GREEN BELT BANK&TRUST | IOWA FALLS | 74.01% |
| PCSB BANK | CLARINDA | 74.00% |
| FIRST SECURITY STATE BANK | EVANSDALE | 73.40% |
| STATE BANK | SPENCER | 73.08% |
| PEOPLES SAVINGS BANK | INDIANOLA | 73.01% |
| CITIZENS STATE BANK | MONTICELLO | 72.85% |
| HOME STATE BANK | ROYAL | 72.49% |
| CITIZENS STATE BANK | WYOMING | 72.28% |
| IOWA STATE BANK | ALGONA | 72.23% |
| UNITED COMMUNITY BANK | MILFORD | 71.76% |
| GNB BANK | GRUNDY CENTER | 71.33% |
| IOWA STATE SAVINGS BANK | CRESTON | 71.32% |
| COMMUNITY SAVINGS BANK | EDGEWOOD | 71.08% |
| CITIZENS FIRST BANK | CLINTON | 71.04% |
| EARLHAM SAVINGS BANK | WEST DES MOINES | 71.01% |
| MOUNT VERNON BANK&TRUST CO | MOUNT VERNON | 70.95% |
| FIRST NB AMES IOWA | AMES | 70.94% |
| TWIN CEDARS BANK | BUSSEY | 70.80% |
| CONNECTION BANK | FORT MADISON | 70.63% |
| BANK IOWA | WEST DES MOINES | 70.55% |
| CBI BANK&TRUST | MUSCATINE | 70.45% |
| FARMERS SAVINGS BANK | FOSTORIA | 70.40% |
| MAYNARD SAVINGS BANK | MAYNARD | 70.25% |
| BOONE BANK&TRUST CO | BOONE | 69.95% |
| CITIZENS SAVINGS BANK | ANAMOSA | 69.87% |
| SANBORN SAVINGS BANK | SANBORN | 69.84% |
| IOWA TRUST&SAVINGS BANK | EMMETSBURG | 69.61% |
| FIRST HERITAGE BANK | SHENANDOAH | 69.59% |
| ASHTON STATE BANK | ASHTON | 69.43% |
| FARMERS SAVINGS BANK&TRUST | TRAER | 69.26% |
| ST ANSGAR STATE BANK | SAINT ANSGAR | 69.14% |
| CHEROKEE STATE BANK | CHEROKEE | 69.11% |
| IOWA ST B&T CO FAIRFLD IA | FAIRFIELD | 69.04% |
| BANKIOWA | CEDAR RAPIDS | 68.21% |
| MIDSTATES BANK NATIONAL ASSN | COUNCIL BLUFFS | 68.14% |
| SIBLEY STATE BANK | SIBLEY | 67.84% |
| WESTSIDE STATE BANK | WESTSIDE | 67.83% |
| FIRST COMMUNITY BANK | NEWELL | 67.76% |
| LOGAN STATE BANK | LOGAN | 67.69% |
| GUTHRIE COUNTY STATE BANK | PANORA | 67.63% |
| FARMERS STATE BANK | ALGONA | 67.41% |
| PEOPLES BANK | ROCK VALLEY | 67.38% |
| HOME STATE BANK | JEFFERSON | 67.37% |
| MANUFACTURERS BANK&TRUST CO | FOREST CITY | 66.94% |
| SOUTH OTTUMWA SAVINGS BANK | OTTUMWA | 66.86% |
| LEIGHTON STATE BANK | PELLA | 66.80% |
| COMMERCIAL SAVINGS BANK | CARROLL | 66.74% |
| BENTON COUNTY STATE BANK | BLAIRSTOWN | 66.60% |
| NORTHWEST BANK | SPENCER | 66.51% |
| CENTRAL STATE BANK | STATE CENTER | 66.30% |
| FNB BANK | FONTANELLE | 66.25% |
| FIRST STATE BANK | STUART | 66.04% |
| FARMERS STATE BANK | MARCUS | 65.63% |
| FREEDOMBANK | ELKADER | 65.29% |
| LIBERTY TRUST&SAVINGS BANK | DURANT | 65.20% |
| SECURITY NB OF SIOUX CITY IA | SIOUX CITY | 65.20% |
| TWO RIVERS BANK&TRUST | BURLINGTON | 65.17% |
| CENTRAL STATE BANK | CORALVILLE | 64.83% |
| CITY STATE BANK | NORWALK | 64.59% |
| FARMERS&MERCHANTS SB | IOWA CITY | 64.57% |
| CHELSEA SAVINGS BANK | BELLE PLAINE | 64.56% |
| MALVERN BANK | MALVERN | 64.53% |
| FARMERS TRUST&SAVINGS BANK | BUFFALO CENTER | 64.50% |
| VISIONBANK OF IOWA | AMES | 64.40% |
| STATE SAVINGS BANK | WEST DES MOINES | 64.29% |
| FARMERS STATE BANK | WATERLOO | 64.03% |
| MIDWEST HERITAGE BANK FSB | WEST DES MOINES | 63.74% |
| FARMERS TRUST&SAVINGS BANK | WILLIAMSBURG | 63.72% |
| SLOAN STATE BANK | SLOAN | 63.42% |
| IOWA STATE BANK | DES MOINES | 63.34% |
| CLEAR LAKE BANK&TRUST CO | CLEAR LAKE | 63.29% |
| FARMERS&MERCHANTS SB | MANCHESTER | 63.16% |
| TRUBANK | INDIANOLA | 63.12% |
| COMMUNITY STATE BANK | SPENCER | 63.09% |
| FIRST TRUST&SAVINGS BANK | WHEATLAND | 62.92% |
| LIBERTYVILLE SAVINGS BANK | FAIRFIELD | 62.83% |
| PIONEER BANK | SERGEANT BLUFF | 62.76% |
| FIDELITY BANK&TRUST | DUBUQUE | 62.64% |
| NSB BANK | MASON CITY | 62.51% |
| PINNACLE BANK | MARSHALLTOWN | 62.38% |
| WATKINS SAVINGS BANK | WATKINS | 62.18% |
| UNITED BANK&TRUST CO | MARSHALLTOWN | 62.18% |
| MAQUOKETA STATE BANK | MAQUOKETA | 62.12% |
| GRINNELL STATE BANK | GRINNELL | 61.87% |
| HIAWATHA BANK&TRUST CO | HIAWATHA | 61.81% |
| SECURITY TRUST&SAVINGS BANK | STORM LAKE | 61.79% |
| FARMERS TRUST&SAVINGS BANK | SPENCER | 61.48% |
| MEDIAPOLIS SAVINGS BANK | MEDIAPOLIS | 61.48% |
| HOME TRUST&SAVINGS BANK | OSAGE | 61.26% |
| STATE BANK&TRUST CO | NEVADA | 61.25% |
| CUSB BANK | CRESCO | 61.19% |
| BLUE GRASS SAVINGS BANK | BLUE GRASS | 60.99% |
| COMMUNITY STATE BANK | ANKENY | 60.57% |
| FIRST WHITNEY BANK&TRUST | ATLANTIC | 60.38% |
| OHNWARD BANK&TRUST | CASCADE | 60.23% |
| FIRST STATE BANK | BELMOND | 60.03% |
| FARMERS STATE BANK | MARION | 59.79% |
| NORTHEAST SECURITY BANK | SUMNER | 59.62% |
| TEMPLETON SAVINGS BANK | TEMPLETON | 59.52% |
| LIBERTY NATIONAL BANK | SIOUX CITY | 59.11% |
| RELIANCE STATE BANK | STORY CITY | 59.05% |
| FARMERS TRUST&SAVINGS BANK | EARLING | 58.90% |
| QUAD CITY BANK&TRUST CO | BETTENDORF | 58.82% |
| UNITED BANK OF IOWA | IDA GROVE | 58.68% |
| BRIDGE COMMUNITY BANK | MOUNT VERNON | 58.53% |
| MIDWESTONE BANK | IOWA CITY | 58.31% |
| FIRST STATE BANK | WEBSTER CITY | 58.05% |
| BANKERS TRUST CO | DES MOINES | 57.90% |
| FIRST CENTRAL STATE BANK | DEWITT | 57.78% |
| STATE SAVINGS BANK | RAKE | 57.10% |
| UNION STATE BANK | GREENFIELD | 57.09% |
| DECORAH BANK&TRUST CO | DECORAH | 57.07% |
| ATKINS SAVINGS BANK&TRUST | ATKINS | 57.07% |
| HARDIN COUNTY SAVINGS BANK | ELDORA | 56.61% |
| FARMERS&MERCHANTS STATE BANK | WINTERSET | 56.49% |
| MARION COUNTY STATE BANK | PELLA | 56.33% |
| ROLLING HILLS BANK&TRUST | ATLANTIC | 56.19% |
| CORNERSTONE BANK | CLARINDA | 56.15% |
| AMERICAN STATE BANK | OSCEOLA | 56.13% |
| WEST BANK | WEST DES MOINES | 56.12% |
| IOWA STATE BANK | CLARKSVILLE | 56.12% |
| BREDA SAVINGS BANK | BREDA | 55.70% |
| SECURITY SAVINGS BANK | GOWRIE | 54.97% |
| IOWA SAVINGS BANK | CARROLL | 54.93% |
| WEST IOWA BANK | WEST BEND | 54.85% |
| SHELBY COUNTY STATE BANK | HARLAN | 54.62% |
| STATE SAVINGS BANK | BEDFORD | 54.48% |
| IOWA TRUST&SAVINGS BANK | CENTERVILLE | 54.39% |
| IOWA FALLS STATE BANK | IOWA FALLS | 54.10% |
| FIRST STATE BANK | LYNNVILLE | 54.04% |
| WHITE STATE BANK | SOUTH ENGLISH | 53.97% |
| SUCCESS BANK | BLOOMFIELD | 53.89% |
| NORTHSTAR BANK | ESTHERVILLE | 53.65% |
| FARMERS STATE BANK | YALE | 53.46% |
| FIRST BANK | WAVERLY | 53.15% |
| COUNTY BANK | SIGOURNEY | 52.94% |
| IOWA STATE BANK | HULL | 52.78% |
| IOWA STATE BANK | SAC CITY | 52.63% |
| HILLS BANK&TRUST CO | HILLS | 52.60% |
| AMERICAN STATE BANK | SIOUX CENTER | 52.55% |
| FIRST BANK HAMPTON | HAMPTON | 52.51% |
| FIRST IOWA STATE BANK | ALBIA | 52.15% |
| BELLEVUE STATE BANK | BELLEVUE | 52.11% |
| FREEDOM FINANCIAL BANK | WEST DES MOINES | 51.96% |
| LUANA SAVINGS BANK | LUANA | 51.76% |
| HEARTLAND BANK | SOMERS | 51.48% |
| PREMIER BANK | ROCK VALLEY | 51.14% |
| PILOT GROVE SAVINGS BANK | PILOT GROVE | 50.23% |
| CITIZENS STATE BANK | SHELDON | 49.09% |
| BANK 1ST | WEST UNION | 48.97% |
| FIRST CITIZENS BANK | MASON CITY | 48.88% |
| PRIMEBANK | LE MARS | 48.88% |
| AUDUBON STATE BANK | AUDUBON | 48.60% |
| FIRST STATE BANK | NASHUA | 48.54% |
| SAVINGS BANK | PRIMGHAR | 47.66% |
| CORYDON STATE BANK | CORYDON | 47.52% |
| NEW ALBIN SAVINGS BANK | NEW ALBIN | 47.36% |
| SECURITY STATE BANK | ALGONA | 47.24% |
| READLYN SAVINGS BANK | READLYN | 47.03% |
| UNITED BANK&TRUST CO | HAMPTON | 46.66% |
| HOUGHTON STATE BANK | RED OAK | 46.22% |
| EXCHANGE STATE BANK | AMES | 46.19% |
| WASHINGTON STATE BANK | WASHINGTON | 45.99% |
| CRAWFORD COUNTY T&SB | DENISON | 45.86% |
| CITIZENS 1ST NB STORM LAKE | STORM LAKE | 44.29% |
| POCAHONTAS STATE BANK | POCAHONTAS | 39.79% |
| FIRST STATE BANK | BRITT | 37.49% |
| PRINCIPAL BANK | DES MOINES | 36.92% |
| SOLON STATE BANK | SOLON | 36.89% |
| CEDAR RAPIDS BANK&TRUST CO | CEDAR RAPIDS | 36.51% |
| MONTEZUMA STATE BANK | MONTEZUMA | 36.48% |
| SECURITY STATE BANK | SUTHERLAND | 33.06% |
| STATE CENTRAL BANK | BONAPARTE | 28.87% |
| ITS BANK | JOHNSTON | 12.77% |