State Rankings & Insights
See how banks across CALIFORNIA 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: 74.20%
- Median: 62.62%
- Min / Max: 0.00% — 473.53%
Top banks by Efficiency Ratio in CALIFORNIA
Count
129
Sum
9572.31%
Avg
74.20%
Median
62.62%
Min
0.00%
Max
473.53%
| Bank | City | Efficiency Ratio |
|---|---|---|
| ALTOS BANK | LOS ALTOS | 473.53% |
| EH NATIONAL BANK | BEVERLY HILLS | 248.83% |
| GENESIS BANK | NEWPORT BEACH | 226.96% |
| ICON BUSINESS BANK | RIVERSIDE | 210.65% |
| LEGACY BANK | MURRIETA | 202.62% |
| GATEWAY BANK FSB | OAKLAND | 172.51% |
| SMBC MANUBANK | LOS ANGELES | 155.31% |
| LIBERTY BANK NATIONAL ASSN | IRVINE | 152.97% |
| MONTEREY COUNTY BANK | MONTEREY | 148.08% |
| FIRST FS&LA OF SAN RAFAEL | SAN RAFAEL | 144.66% |
| MISSION NATIONAL BANK | SAN FRANCISCO | 128.48% |
| BEACH CITIES COMMERCIAL BANK | IRVINE | 116.50% |
| BEACON BUSINESS BANK NA | SAN FRANCISCO | 107.54% |
| UNIVERSAL BANK | WEST COVINA | 100.82% |
| NANO BANC | IRVINE | 99.59% |
| NEIGHBORHOOD NATIONAL BANK | EL CAJON | 98.36% |
| EASTERN INTERNATIONAL BANK | LOS ANGELES | 94.43% |
| CALIFORNIA INTL BANK N A | WESTMINSTER | 94.27% |
| DEUTSCHE BANK NATIONAL TR CO | LOS ANGELES | 93.91% |
| UNITED PACIFIC BANK | CITY OF INDUSTRY | 93.82% |
| MONTECITO BANK&TRUST | SANTA BARBARA | 91.89% |
| FIRST FOUNDATION BANK | IRVINE | 89.99% |
| CALIFORNIA BUSINESS BANK | IRVINE | 87.51% |
| ASIAN PACIFIC NATIONAL BANK | SAN GABRIEL | 87.50% |
| FIRST PACIFIC BANK | WHITTIER | 85.16% |
| COMMUNITY VALLEY BANK | EL CENTRO | 83.46% |
| PACIFIC COAST BANKERS BANK | WALNUT CREEK | 82.71% |
| TUSTIN COMMUNITY BANK | TUSTIN | 82.28% |
| BENEFICIAL STATE BANK | OAKLAND | 81.19% |
| BALBOA THRIFT&LOAN ASSN | CHULA VISTA | 80.13% |
| BAC COMMUNITY BANK | STOCKTON | 79.42% |
| BANK OF WHITTIER NA | WHITTIER | 76.99% |
| GBC INTERNATIONAL BANK | LOS ANGELES | 76.59% |
| NEW OMNI BANK NATIONAL ASSN | ALHAMBRA | 76.02% |
| METROPOLITAN BANK | OAKLAND | 75.73% |
| PROVIDENT SAVINGS BANK FSB | RIVERSIDE | 75.73% |
| COMMUNITY COMMERCE BANK | CLAREMONT | 75.28% |
| BANK OF MARIN | NOVATO | 74.13% |
| FREMONT BANK | FREMONT | 73.95% |
| EXCHANGE BANK | SANTA ROSA | 72.43% |
| PACIFIC ALLIANCE BANK | SAN GABRIEL | 72.16% |
| PINNACLE BANK | GILROY | 72.12% |
| SUMMIT STATE BANK | SANTA ROSA | 71.49% |
| BANK OF SAN FRANCISCO | SAN FRANCISCO | 71.27% |
| PACIFIC VALLEY BANK | SALINAS | 70.87% |
| COMMUNITY BK OF SANTA MARIA | SANTA MARIA | 70.44% |
| MISSION VALLEY BANK | SUN VALLEY | 70.29% |
| FARMERS&MERCHANTS BK LONG BE | LONG BEACH | 69.81% |
| BANK OF HOPE | LOS ANGELES | 68.68% |
| BANK OF THE ORIENT | SAN FRANCISCO | 68.60% |
| GOLDEN VALLEY BANK | CHICO | 67.91% |
| HATCH BANK | SAN MARCOS | 67.90% |
| BANK IRVINE | IRVINE | 67.82% |
| AMERICAN RIVIERA BANK | SANTA BARBARA | 67.72% |
| SVG BANK OF MENDOCINO COUNTY | UKIAH | 67.33% |
| CITY NATIONAL BANK | LOS ANGELES | 67.13% |
| US METRO BANK | GARDEN GROVE | 66.48% |
| REDWOOD CAPITAL BANK | EUREKA | 65.51% |
| FIRST NORTHERN BANK OF DIXON | DIXON | 65.08% |
| RIVER VALLEY COMMUNITY BANK | YUBA CITY | 63.93% |
| PACIFIC PREMIER BANK NA | IRVINE | 63.69% |
| ENDEAVOR BANK | SAN DIEGO | 63.52% |
| COMMUNITY WEST BANK | FRESNO | 63.36% |
| BANC OF CALIFORNIA | LOS ANGELES | 63.35% |
| HOME BANK OF CALIFORNIA | SAN DIEGO | 62.62% |
| CAPITAL BANK&TRUST CO | IRVINE | 62.22% |
| OAK VALLEY COMMUNITY BANK | OAKDALE | 62.21% |
| CTBC BANK CORP USA | LOS ANGELES | 61.95% |
| CORNERSTONE COMMUNITY BANK | RED BLUFF | 61.67% |
| UNITED BUSINESS BANK | WALNUT CREEK | 61.49% |
| SUMMIT BANK | OAKLAND | 61.30% |
| STATE BANK OF INDIA CA | LOS ANGELES | 61.30% |
| AMERICAN CONTINENTAL BANK | CITY OF INDUSTRY | 61.21% |
| OPEN BANK | LOS ANGELES | 61.10% |
| AVIDBANK | SAN JOSE | 60.87% |
| MEGA BANK | SAN GABRIEL | 60.63% |
| BLACKROCK INSTL TR CO NA | SAN FRANCISCO | 60.57% |
| COMMERCIAL BANK OF CA | IRVINE | 60.41% |
| ROYAL BUSINESS BANK | LOS ANGELES | 60.01% |
| HERITAGE BANK OF COMMERCE | SAN JOSE | 59.79% |
| COMMONWEALTH BUSINESS BANK | LOS ANGELES | 59.12% |
| PARTNERS BANK OF CALIFORNIA | MISSION VIEJO | 58.15% |
| TRI COUNTIES BANK | CHICO | 57.93% |
| GOLDEN STATE BANK | GLENDALE | 57.78% |
| MECHANICS BANK | WALNUT CREEK | 57.66% |
| EL DORADO SAVINGS BANK FSB | PLACERVILLE | 57.53% |
| BANK OF THE SIERRA | PORTERVILLE | 57.45% |
| INFINITY BANK | SANTA ANA | 56.99% |
| FFB BANK | FRESNO | 56.65% |
| MURPHY BANK | FRESNO | 56.31% |
| FIRST COMMERCIAL BANK USA | ALHAMBRA | 55.53% |
| C3BANK NATIONAL ASSN | ENCINITAS | 55.02% |
| UNITED SECURITY BANK | FRESNO | 54.69% |
| CHINO COMMERCIAL BANK N A | CHINO | 54.38% |
| EVERTRUST BANK | CITY OF INDUSTRY | 53.31% |
| COMMERCE WEST BANK | IRVINE | 53.04% |
| PCB BANK | LOS ANGELES | 52.89% |
| POPPY BANK | SANTA ROSA | 52.45% |
| HANMI BANK | LOS ANGELES | 52.36% |
| AMERICAN BUSINESS BANK | LOS ANGELES | 51.83% |
| CALIFORNIA BK OF COM NA | SAN DIEGO | 51.76% |
| PLUMAS BANK | QUINCY | 51.40% |
| BANK OF STOCKTON | STOCKTON | 50.79% |
| BANK OF AMERICA CA NA | SAN FRANCISCO | 49.15% |
| MISSION BANK | BAKERSFIELD | 46.90% |
| CALPRIVATE BANK | LA JOLLA | 46.59% |
| BESSEMER TR CO OF CA NA | SAN FRANCISCO | 46.15% |
| CITIZENS BUSINESS BANK | ONTARIO | 43.88% |
| CATHAY BANK | LOS ANGELES | 43.69% |
| AXOS BANK | SAN DIEGO | 43.08% |
| FARMERS&MERCHANTS BK CNTL CA | LODI | 42.19% |
| SANTA CRUZ COUNTY BANK | SANTA CRUZ | 42.07% |
| COLUMN NATIONAL ASSN | CHICO | 40.92% |
| HCN BANK | RIVERSIDE | 40.87% |
| FIVE STAR BANK | ROSEVILLE | 39.81% |
| BANK OF NY MELLON TR CO NA | LOS ANGELES | 39.58% |
| RIVER CITY BANK | SACRAMENTO | 38.86% |
| WESTAMERICA BANK | SAN RAFAEL | 38.28% |
| CALIFORNIA PACIFIC BANK | HAYWARD | 37.74% |
| EAST WEST BANK | PASADENA | 35.61% |
| AMERICAN PLUS BANK N A | ARCADIA | 35.06% |
| PREFERRED BANK | LOS ANGELES | 33.70% |
| FIRST AMERICAN TRUST FSB | SANTA ANA | 31.85% |
| MALAGA BANK FSB | PALOS VERDES PEN | 31.44% |
| STATE STREET B&T CO OF CA NA | IRVINE | 30.40% |
| FIRST GENERAL BANK | ROWLAND HEIGHTS | 29.96% |
| FIRST CREDIT BANK | LOS ANGELES | 21.77% |
| MIZRAHI TEFAHOT BANK LTD | LOS ANGELES | 0.00% |
| BANK OF CHINA | LOS ANGELES | 0.00% |