State Rankings & Insights
See how banks across ALABAMA rank on Efficiency Ratio for 2025Q1. Values are reported in percentage terms as of 2025-03-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 68.66%
- Median: 63.51%
- Min / Max: 34.73% — 185.49%
Top banks by Efficiency Ratio in ALABAMA
Count
95
Sum
6523.02%
Avg
68.66%
Median
63.51%
Min
34.73%
Max
185.49%
| Bank | City | Efficiency Ratio |
|---|---|---|
| BANK47 | UNION SPRINGS | 185.49% |
| NOVA BANK | HUNTSVILLE | 135.00% |
| COMMONWEALTH NATIONAL BANK | MOBILE | 113.91% |
| FIRST CMTY BANK OF CULLMAN | CULLMAN | 108.68% |
| LOCAL BANK | TUSCALOOSA | 108.31% |
| FIRST FEDERAL BANK A FSB | TUSCALOOSA | 99.79% |
| FIRST PROGRESSIVE BANK | BREWTON | 99.57% |
| UNION STATE BANK | PELL CITY | 97.21% |
| BANK OF BREWTON | BREWTON | 90.28% |
| BRANTLEY BANK&TRUST CO | BRANTLEY | 90.02% |
| PEOPLES BANK OF GREENSBORO | GREENSBORO | 86.78% |
| CITIZENS BANK OF WINFIELD | WINFIELD | 84.86% |
| PEOPLES EXCHANGE BANK | MONROEVILLE | 83.80% |
| SOUTHERN BANK CO | GADSDEN | 82.37% |
| CITIZENS BANK&TRUST | GUNTERSVILLE | 82.01% |
| MARION COMMUNITY BANK | MARION | 81.59% |
| FIRST NATIONAL BANK&TRUST | ATMORE | 80.32% |
| BANK OF MOUNDVILLE | MOUNDVILLE | 79.82% |
| FIRST NB OF HARTFORD | HARTFORD | 78.72% |
| ALAMERICA BANK | BIRMINGHAM | 78.63% |
| MILLENNIAL BANK | LEEDS | 78.57% |
| FARMERS&MERCHANTS BANK | PIEDMONT | 76.97% |
| FIRST FINANCIAL BANK | BESSEMER | 75.78% |
| MIDSOUTH BANK | DOTHAN | 75.33% |
| MERIT BANK | HUNTSVILLE | 75.30% |
| CITIZENS BANK INC | ROBERTSDALE | 74.84% |
| BANK INDEPENDENT | SHEFFIELD | 74.83% |
| AUBURNBANK | AUBURN | 74.70% |
| 22ND STATE BANK | LOUISVILLE | 73.88% |
| CB&S BANK INC | RUSSELLVILLE | 73.80% |
| COMMERCIAL BANK OF OZARK | OZARK | 73.24% |
| BANK OF EVERGREEN | EVERGREEN | 73.14% |
| STATE BANK&TRUST | WINFIELD | 72.38% |
| PREMIER BANK OF THE SOUTH | CULLMAN | 72.32% |
| CULLMAN SAVINGS BANK | CULLMAN | 72.26% |
| BANK OF WALKER COUNTY | JASPER | 71.34% |
| CITIZENS BANK | ENTERPRISE | 71.24% |
| FIRST STB OF THE SOUTH INC | SULLIGENT | 70.09% |
| FIRSTSTATE BANK | LINEVILLE | 69.74% |
| MERCHANTS&FARMERS BK GREENE | EUTAW | 69.06% |
| EXCHANGE BANK OF ALABAMA | ALTOONA | 68.70% |
| PHENIX-GIRARD BANK | PHENIX CITY | 68.07% |
| FIRST CAHAWBA BANK | SELMA | 67.00% |
| FARMERS&MERCHANTS BANK | WATERLOO | 66.76% |
| HNB FIRST BANK | HEADLAND | 65.73% |
| FIRST SOUTHERN BANK | FLORENCE | 65.71% |
| FIRST US BANK | BIRMINGHAM | 65.24% |
| VALLEY STATE BANK | RUSSELLVILLE | 63.51% |
| AMERIFIRST BANK | MONTGOMERY | 63.06% |
| COMMUNITY NEIGHBOR BANK | CAMDEN | 62.91% |
| FRIEND BANK | SLOCOMB | 62.73% |
| BANKSOUTH | DOTHAN | 62.34% |
| NORTH ALABAMA BANK | HAZEL GREEN | 62.00% |
| PEOPLES BANK OF ALABAMA | CULLMAN | 61.25% |
| PINNACLE BANK | JASPER | 60.94% |
| HOMETOWN BANK OF ALABAMA | ONEONTA | 60.91% |
| DOZIER BANK | DOZIER | 60.89% |
| TRADITIONS BANK | CULLMAN | 60.77% |
| FARMERS&MERCHANTS BANK | LAFAYETTE | 60.62% |
| WEST ALABAMA BANK&TRUST | REFORM | 60.52% |
| SOUTHPOINT BANK | BIRMINGHAM | 60.35% |
| FIRST FIDELITY BANK | FORT PAYNE | 60.23% |
| FIRST SOUTHERN STATE BANK | STEVENSON | 60.11% |
| OAKWORTH CAPITAL BANK | BIRMINGHAM | 59.78% |
| COMMUNITY SPIRIT BANK | RED BAY | 58.99% |
| NOBLEBANK&TRUST | ANNISTON | 58.10% |
| SWEET WATER STATE BANK | SWEET WATER | 57.62% |
| SOUTHERN INDEPENDENT BANK | OPP | 57.53% |
| SAMSON BANKING CO INC | SAMSON | 57.33% |
| FIRST BANK OF BOAZ | BOAZ | 57.28% |
| PEOPLESTRUST BANK | HAMILTON | 57.07% |
| LIBERTY BANK | GERALDINE | 57.06% |
| PEOPLES INDEPENDENT BANK | BOAZ | 56.69% |
| CITIZENS BANK | GREENSBORO | 56.61% |
| REGIONS BANK | BIRMINGHAM | 54.75% |
| FIRST NATIONAL BANK | HAMILTON | 54.53% |
| TROY BANK&TRUST CO | TROY | 54.39% |
| UNITED BANK | ATMORE | 54.23% |
| BRYANT BANK | TUSCALOOSA | 53.81% |
| CCB COMMUNITY BANK | ANDALUSIA | 53.49% |
| FIRST BANK OF ALABAMA | TALLADEGA | 53.18% |
| FIRST CMTY BANK OF CNTL AL | WETUMPKA | 52.28% |
| FIRST CITIZENS BANK | LUVERNE | 50.87% |
| CENTRAL STATE BANK | CALERA | 49.99% |
| ROBERTSON BANKING CO | DEMOPOLIS | 49.70% |
| RIVER BANK&TRUST | PRATTVILLE | 49.68% |
| BANK OF VERNON | VERNON | 49.14% |
| METRO BANK | PELL CITY | 47.84% |
| EVABANK | EVA | 47.71% |
| FIRST METRO BANK | MUSCLE SHOALS | 45.91% |
| COMMERCEONE BANK | BIRMINGHAM | 42.57% |
| FIRST JACKSON BANK INC | STEVENSON | 41.50% |
| FIRST STB OF DEKALB COUNTY | FORT PAYNE | 41.30% |
| SOUTHERN STATES BANK | ANNISTON | 41.04% |
| SERVISFIRST BANK | BIRMINGHAM | 34.73% |