State Rankings & Insights
See how banks across MICHIGAN 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: 72.15%
- Median: 71.27%
- Min / Max: 0.00% — 202.64%
Top banks by Efficiency Ratio in MICHIGAN
COMMUNITY UNITY BANK – BIRMINGHAMAUTO CLUB TRUST FSB – DEARBORNFIRST STATE BANK OF DECATUR – DECATURCOMERICA B&T NA – ANN ARBORBANK MICHIGAN – BROOKLYNSTATE SB OF MANISTIQUE – MANISTIQUESTERLING BANK&TRUST FSB – SOUTHFIELDSTATE SAVINGS BANK – FRANKFORTDEARBORN FSB – DEARBORNEATON COMMUNITY BANK – CHARLOTTE
Count
78
Sum
5627.96%
Avg
72.15%
Median
71.27%
Min
0.00%
Max
202.64%
| Bank | City | Efficiency Ratio |
|---|---|---|
| COMMUNITY UNITY BANK | BIRMINGHAM | 202.64% |
| AUTO CLUB TRUST FSB | DEARBORN | 135.51% |
| FIRST STATE BANK OF DECATUR | DECATUR | 120.75% |
| COMERICA B&T NA | ANN ARBOR | 115.47% |
| BANK MICHIGAN | BROOKLYN | 112.23% |
| STATE SB OF MANISTIQUE | MANISTIQUE | 101.74% |
| STERLING BANK&TRUST FSB | SOUTHFIELD | 97.61% |
| STATE SAVINGS BANK | FRANKFORT | 93.85% |
| DEARBORN FSB | DEARBORN | 92.60% |
| EATON COMMUNITY BANK | CHARLOTTE | 88.04% |
| GRAND RIVER BANK | GRANDVILLE | 87.21% |
| MINERS STATE BANK | IRON RIVER | 87.00% |
| UNION BANK | GRAND RAPIDS | 86.24% |
| FIRST NB OF WAKEFIELD | WAKEFIELD | 86.04% |
| DART BANK | MASON | 84.48% |
| UNIVERSITY BANK | ANN ARBOR | 83.98% |
| SHELBY STATE BANK | SHELBY | 83.91% |
| MI BANK | BLOOMFIELD TOWNS | 83.64% |
| FIRST NB OF ST IGNACE | ST. IGNACE | 83.34% |
| HOMESTEAD SAVINGS BANK | ALBION | 82.77% |
| G W JONES EXCHANGE BANK | MARCELLUS | 80.65% |
| FIRST INDEPENDENCE BANK | DETROIT | 80.44% |
| BLISSFIELD STATE BANK | BLISSFIELD | 79.48% |
| MAYVILLE STATE BANK | MAYVILLE | 79.32% |
| KALAMAZOO COUNTY STATE BANK | SCHOOLCRAFT | 78.96% |
| PEOPLES STB OF MUNISING | MUNISING | 78.45% |
| RANGE BANK | MARQUETTE | 77.66% |
| FIRST NATIONAL BANK&TRUST CO | IRON MOUNTAIN | 77.60% |
| SUPERIOR NATIONAL BANK | HANCOCK | 76.60% |
| LAKE-OSCEOLA STATE BANK | BALDWIN | 76.01% |
| HURON COMMUNITY BANK | EAST TAWAS | 75.96% |
| CITIZENS NB OF CHEBOYGAN | CHEBOYGAN | 75.95% |
| PLANTE MORAN TRUST NA | SOUTHFIELD | 75.31% |
| NORTHERN INTERSTATE BANK N A | NORWAY | 75.06% |
| STURGIS BANK&TRUST CO | STURGIS | 74.29% |
| COUNTY NATIONAL BANK | HILLSDALE | 73.74% |
| FIRST NB OF MICHIGAN | KALAMAZOO | 72.13% |
| SOUTHERN MICHIGAN BANK&TRUST | COLDWATER | 71.84% |
| GOGEBIC RANGE BANK | IRONWOOD | 71.69% |
| UNITED BANK OF MICHIGAN | GRAND RAPIDS | 70.85% |
| BAY PORT STATE BANK | BAY PORT | 70.53% |
| WEST SHORE BANK | LUDINGTON | 69.54% |
| FIRST STATE BANK | EASTPOINTE | 69.00% |
| ISABELLA BANK | MOUNT PLEASANT | 68.74% |
| CHARLEVOIX STATE BANK | CHARLEVOIX | 65.80% |
| OXFORD BANK | OXFORD | 64.54% |
| HIGHPOINT COMMUNITY BANK | HASTINGS | 63.32% |
| FIRST COMMUNITY BANK | HARBOR SPRINGS | 62.54% |
| UPPER PENINSULA STATE BANK | ESCANABA | 62.43% |
| NORTHPOINTE BANK | GRAND RAPIDS | 62.40% |
| STATE BANK | FENTON | 62.08% |
| HONOR BANK | HONOR | 61.36% |
| BANK OF ANN ARBOR | ANN ARBOR | 61.22% |
| BAYBANK | GLADSTONE | 60.99% |
| THUMB BANK&TRUST | PIGEON | 60.18% |
| CHOICEONE BANK | SPARTA | 59.76% |
| FIRST BANK UPPER MICHIGAN | GLADSTONE | 58.66% |
| 1ST STATE BANK | SAGINAW | 58.44% |
| PORT AUSTIN STATE BANK | PORT AUSTIN | 58.29% |
| SIDNEY STATE BANK | SIDNEY | 57.91% |
| INDEPENDENT BANK | GRAND RAPIDS | 57.81% |
| COMMERCIAL BANK | ITHACA | 57.80% |
| NORTHSTAR BANK | BAD AXE | 57.56% |
| CHELSEA STATE BANK | CHELSEA | 55.22% |
| CENTURY BANK&TRUST | COLDWATER | 55.07% |
| HURON VALLEY STATE BANK | MILFORD | 53.56% |
| HURON STATE BANK | ROGERS CITY | 53.42% |
| MERCANTILE BANK | GRAND RAPIDS | 53.40% |
| EASTERN MICHIGAN BANK | CROSWELL | 53.08% |
| WEST MICHIGAN COMMUNITY BANK | HUDSONVILLE | 51.77% |
| ALDEN STATE BANK | ALDEN | 50.39% |
| CITIZENS STATE BANK | ROYAL OAK | 48.15% |
| CAPITOL NATIONAL BANK | LANSING | 47.29% |
| CENTRAL SAVINGS BANK | SAULT SAINTE MAR | 45.89% |
| TRI-COUNTY BANK | BROWN CITY | 44.80% |
| MACATAWA BANK NATIONAL ASSN | HOLLAND | 31.80% |
| FIRST NB OF AMERICA | EAST LANSING | 22.18% |
| JPMORGAN CHASE BANK DEARBORN | DEARBORN | 0.00% |