State Rankings & Insights
See how banks across NORTH CAROLINA 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: 76.90%
- Median: 70.38%
- Min / Max: 38.47% — 169.90%
Top banks by Efficiency Ratio in NORTH CAROLINA
TARBORO SAVINGS BANK SSB – TARBORONEW REPUBLIC BANK – CHARLOTTEJACKSON SAVINGS BANK SSB – SYLVABLACK MOUNTAIN SB SSB – BLACK MOUNTAINHERTFORD SAVINGS BANK SSB – HERTFORDFIRST SAVINGS&LOAN ASSN – MEBANEFIRST FEDERAL BANK – DUNNPIEDMONT FSB – WINSTON SALEMTRIAD BUSINESS BANK – GREENSBOROBELMONT SAVINGS BANK SSB – BELMONT
Count
40
Sum
3075.88%
Avg
76.90%
Median
70.38%
Min
38.47%
Max
169.90%
| Bank | City | Efficiency Ratio |
|---|---|---|
| TARBORO SAVINGS BANK SSB | TARBORO | 169.90% |
| NEW REPUBLIC BANK | CHARLOTTE | 129.78% |
| JACKSON SAVINGS BANK SSB | SYLVA | 118.26% |
| BLACK MOUNTAIN SB SSB | BLACK MOUNTAIN | 117.73% |
| HERTFORD SAVINGS BANK SSB | HERTFORD | 113.39% |
| FIRST SAVINGS&LOAN ASSN | MEBANE | 98.88% |
| FIRST FEDERAL BANK | DUNN | 94.11% |
| PIEDMONT FSB | WINSTON SALEM | 93.44% |
| TRIAD BUSINESS BANK | GREENSBORO | 91.49% |
| BELMONT SAVINGS BANK SSB | BELMONT | 87.37% |
| RIVERSIDE SAVINGS BANK SSB | ROANOKE RAPIDS | 86.18% |
| NORTH STATE BANK | RALEIGH | 83.10% |
| FIRST FSB OF LINCOLNTON | LINCOLNTON | 81.72% |
| MORGANTON SAVINGS BANK SSB | MORGANTON | 77.79% |
| PEOPLES BANK | NEWTON | 77.22% |
| LUMBEE GUARANTY BANK | PEMBROKE | 76.94% |
| TIAA TRUST NATIONAL ASSN | CHARLOTTE | 75.54% |
| MECHANICS&FARMERS BANK | DURHAM | 72.63% |
| TAYLORSVILLE SB SSB | TAYLORSVILLE | 71.16% |
| LIFESTORE BANK | WEST JEFFERSON | 70.39% |
| FIRST CAROLINA BANK | ROCKY MOUNT | 70.38% |
| UWHARRIE BANK | ALBEMARLE | 70.24% |
| AMERICAN BK OF THE CAROLINAS | MONROE | 68.25% |
| NANTAHALA BANK&TRUST CO | FRANKLIN | 67.78% |
| KS BANK INC | SMITHFIELD | 66.41% |
| HOMETRUST BANK | ASHEVILLE | 64.36% |
| ROXBORO SAVINGS BANK SSB | ROXBORO | 63.43% |
| BANK OF OAK RIDGE | OAK RIDGE | 63.00% |
| FIRST-CITIZENS BANK&TRUST CO | RALEIGH | 62.04% |
| DOGWOOD STATE BANK | RALEIGH | 61.17% |
| SOUTHERN BANK&TRUST CO | MOUNT OLIVE | 61.13% |
| LIVE OAK BANKING CO | WILMINGTON | 60.10% |
| CEDAR HILL NATIONAL BANK | CHARLOTTE | 57.86% |
| BANK OF AMERICA NA | CHARLOTTE | 55.77% |
| FIRST BANK | SOUTHERN PINES | 54.86% |
| TRUIST BANK | CHARLOTTE | 54.42% |
| FARMERS&MERCHANTS BANK | GRANITE QUARRY | 51.92% |
| FIDELITY BANK | FUQUAY VARINA | 50.65% |
| BLUEHARBOR BANK | MOORESVILLE | 46.62% |
| PROVIDENCE BANK | ROCKY MOUNT | 38.47% |