State Rankings & Insights
See how banks across IOWA 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: 63.47%
- Median: 61.81%
- Min / Max: 11.58% — 145.10%
Top banks by Efficiency Ratio in IOWA
FIRST TRUST&SAVINGS BANK – CORALVILLEMAXWELL STATE BANK – MAXWELLHERITAGE BANK – MARIONWCF FINANCIAL BANK – WEBSTER CITYAMERICAN TRUST&SAVINGS BANK – LOWDENAMERICAN B&T CO NA – DAVENPORTFIRST SECURITY BANK&TRUST CO – CHARLES CITYDENVER SAVINGS BANK – DENVERSECURITY STATE BANK – RADCLIFFELINCOLN SAVINGS BANK – REINBECK
Count
234
Sum
14851.82%
Avg
63.47%
Median
61.81%
Min
11.58%
Max
145.10%
| Bank | City | Efficiency Ratio |
|---|---|---|
| FIRST TRUST&SAVINGS BANK | CORALVILLE | 145.10% |
| MAXWELL STATE BANK | MAXWELL | 140.13% |
| HERITAGE BANK | MARION | 126.71% |
| WCF FINANCIAL BANK | WEBSTER CITY | 98.72% |
| AMERICAN TRUST&SAVINGS BANK | LOWDEN | 98.54% |
| AMERICAN B&T CO NA | DAVENPORT | 98.10% |
| FIRST SECURITY BANK&TRUST CO | CHARLES CITY | 95.73% |
| DENVER SAVINGS BANK | DENVER | 95.69% |
| SECURITY STATE BANK | RADCLIFFE | 94.67% |
| LINCOLN SAVINGS BANK | REINBECK | 94.61% |
| STATE BANK OF TOLEDO | TOLEDO | 93.74% |
| FIRST COMMUNITY TRUST NA | DUBUQUE | 89.97% |
| FARMERS SAVINGS BANK | WEVER | 88.70% |
| CLINTON NATIONAL BANK | CLINTON | 85.95% |
| TS BANK | TREYNOR | 85.00% |
| COMMUNITY STATE BANK | PATON | 84.88% |
| FARMERS&MERCHANTS BANK&TRUST | BURLINGTON | 84.84% |
| CITIZENS FIRST BANK | CLINTON | 84.28% |
| FARMERS SAVINGS BANK | COLESBURG | 83.92% |
| BANK | WAPELLO | 81.98% |
| KERNDT BROTHERS SAVINGS BANK | LANSING | 80.99% |
| FARMERS STATE BANK | LAKE VIEW | 79.93% |
| DANVILLE STATE SAVINGS BANK | NEW LONDON | 79.68% |
| UNION STATE BANK | WINTERSET | 79.53% |
| TRI-VALLEY BANK | RANDOLPH | 79.44% |
| BANK PLUS | ESTHERVILLE | 78.81% |
| WATKINS SAVINGS BANK | WATKINS | 78.71% |
| CENTRAL BANK | STORM LAKE | 78.30% |
| FIRST SECURITY BANK | MAPLETON | 77.68% |
| STATE BANK | SPIRIT LAKE | 77.61% |
| PALO SAVINGS BANK | PALO | 76.97% |
| CHEROKEE STATE BANK | CHEROKEE | 76.88% |
| FEDERATION BANK | WASHINGTON | 76.87% |
| FNNB BANK | NEWTON | 76.64% |
| SOUTH STORY BANK&TRUST | SLATER | 76.43% |
| PEOPLES SAVINGS BANK | WELLSBURG | 76.28% |
| CAPRA BANK | DUBUQUE | 75.76% |
| CITIZENS SAVINGS BANK | SPILLVILLE | 75.31% |
| FIRST SECURITY STATE BANK | EVANSDALE | 75.00% |
| EXCHANGE STATE BANK | SPRINGVILLE | 74.76% |
| PCSB BANK | CLARINDA | 74.26% |
| MAYNARD SAVINGS BANK | MAYNARD | 74.01% |
| PREMIER BANK | DUBUQUE | 73.92% |
| CORNERSTONE BANK | CLARINDA | 73.77% |
| FIRST STATE BANK | WEBSTER CITY | 73.69% |
| IOWA STATE BANK | ALGONA | 72.61% |
| GUTHRIE COUNTY STATE BANK | PANORA | 72.44% |
| STATE BANK | SPENCER | 72.28% |
| DYSART STATE BANK | DYSART | 72.28% |
| PEOPLES BANK | CLIVE | 72.06% |
| COMMUNITY SAVINGS BANK | EDGEWOOD | 72.01% |
| BOONE BANK&TRUST CO | BOONE | 71.99% |
| IOWA TRUST&SAVINGS BANK | EMMETSBURG | 71.68% |
| FIRST STATE BANK | BELMOND | 71.41% |
| UNITED COMMUNITY BANK | MILFORD | 70.89% |
| BANK MIDWEST | SPIRIT LAKE | 70.57% |
| MANUFACTURERS BANK&TRUST CO | FOREST CITY | 70.56% |
| KEYSTONE SAVINGS BANK | MARENGO | 70.30% |
| STATE CENTRAL BANK | BONAPARTE | 70.25% |
| PEOPLES SAVINGS BANK | INDIANOLA | 70.22% |
| FAIRFAX STATE SAVINGS BANK | FAIRFAX | 70.10% |
| NORTHWEST BANK | SPENCER | 69.97% |
| CENTRAL STATE BANK | STATE CENTER | 69.80% |
| DEFIANCE STATE BANK | DEFIANCE | 69.78% |
| FARMERS SAVINGS BANK | MARSHALLTOWN | 69.64% |
| LOGAN STATE BANK | LOGAN | 69.61% |
| RACCOON VALLEY BANK | PERRY | 69.49% |
| LEIGHTON STATE BANK | PELLA | 69.42% |
| TWIN CEDARS BANK | BUSSEY | 69.22% |
| AVAILA BANK | CARROLL | 69.20% |
| BANKIOWA | CEDAR RAPIDS | 68.76% |
| FIRST NB AMES IOWA | AMES | 68.60% |
| DEWITT BANK&TRUST CO | DEWITT | 68.55% |
| FARMERS STATE BANK | MARCUS | 68.54% |
| DECORAH BANK&TRUST CO | DECORAH | 68.28% |
| COMMUNITY BANK | DUNLAP | 68.19% |
| FARMERS SAVINGS BANK | FOSTORIA | 67.72% |
| BANK 1ST | WEST UNION | 66.95% |
| HOME STATE BANK | JEFFERSON | 66.91% |
| CITIZENS STATE BANK | MONTICELLO | 66.86% |
| VISIONBANK OF IOWA | AMES | 66.80% |
| CITIZENS SAVINGS BANK | ANAMOSA | 66.79% |
| FARMERS STATE BANK | WATERLOO | 66.58% |
| FARMERS TRUST&SAVINGS BANK | SPENCER | 66.38% |
| FARMERS STATE BANK | MARION | 66.24% |
| FARMERS&MERCHANTS SB | IOWA CITY | 66.01% |
| BENTON COUNTY STATE BANK | BLAIRSTOWN | 66.00% |
| COMMUNITY BANK OF OELWEIN | OELWEIN | 65.90% |
| WESTSIDE STATE BANK | WESTSIDE | 65.72% |
| FREEDOMBANK | ELKADER | 65.60% |
| ST ANSGAR STATE BANK | SAINT ANSGAR | 65.56% |
| FARMERS&MERCHANTS SB | MANCHESTER | 65.19% |
| MEDIAPOLIS SAVINGS BANK | MEDIAPOLIS | 65.07% |
| HIAWATHA BANK&TRUST CO | HIAWATHA | 65.06% |
| CEDAR VALLEY BANK&TRUST | LA PORTE CITY | 65.01% |
| SOUTH OTTUMWA SAVINGS BANK | OTTUMWA | 64.57% |
| FIRST COMMUNITY BANK | NEWELL | 64.44% |
| TWO RIVERS BANK&TRUST | BURLINGTON | 64.18% |
| IOWA STATE BANK | DES MOINES | 64.10% |
| CITIZENS SAVINGS BANK | MARSHALLTOWN | 63.96% |
| UNITED BANK OF IOWA | IDA GROVE | 63.70% |
| CENTRAL STATE BANK | CORALVILLE | 63.52% |
| UNION STATE BANK | GREENFIELD | 63.51% |
| COMMUNITY BANK&TRUST CO | MUSCATINE | 63.48% |
| LIBERTYVILLE SAVINGS BANK | FAIRFIELD | 63.45% |
| GNB BANK | GRUNDY CENTER | 63.41% |
| FIRST NB OF PRIMGHAR | PRIMGHAR | 63.39% |
| FARMERS TRUST&SAVINGS BANK | BUFFALO CENTER | 63.29% |
| BANK IOWA | WEST DES MOINES | 63.26% |
| FIRST NB OF MANNING | MANNING | 63.06% |
| CBI BANK&TRUST | MUSCATINE | 62.88% |
| SANBORN SAVINGS BANK | SANBORN | 62.75% |
| FARMERS STATE BANK | NORTHWOOD | 62.56% |
| FIRST TRUST&SAVINGS BANK | WHEATLAND | 62.31% |
| MIDSTATES BANK NATIONAL ASSN | COUNCIL BLUFFS | 62.25% |
| ASHTON STATE BANK | ASHTON | 62.06% |
| UNITED BANK&TRUST CO | MARSHALLTOWN | 61.94% |
| TRUBANK | INDIANOLA | 61.68% |
| GRINNELL STATE BANK | GRINNELL | 61.54% |
| BANKERS TRUST CO | DES MOINES | 61.51% |
| MALVERN BANK | MALVERN | 61.47% |
| FNB BANK | FONTANELLE | 61.41% |
| CITIZENS STATE BANK | WYOMING | 61.40% |
| EARLHAM SAVINGS BANK | WEST DES MOINES | 61.27% |
| IOWA ST B&T CO FAIRFLD IA | FAIRFIELD | 60.96% |
| FIDELITY BANK&TRUST | DUBUQUE | 60.82% |
| OHNWARD BANK&TRUST | CASCADE | 60.62% |
| CHARTER BANK | JOHNSTON | 60.59% |
| FARMERS STATE BANK | ALGONA | 60.47% |
| SECURITY TRUST&SAVINGS BANK | STORM LAKE | 60.28% |
| COUNTY BANK | SIGOURNEY | 60.21% |
| COMMUNITY STATE BANK | ANKENY | 60.02% |
| AMERICAN BANK NATIONAL ASSN | LE MARS | 59.70% |
| CITY STATE BANK | NORWALK | 59.45% |
| STATE SAVINGS BANK | WEST DES MOINES | 59.45% |
| FARMERS TRUST&SAVINGS BANK | EARLING | 59.45% |
| FIRST HERITAGE BANK | SHENANDOAH | 59.21% |
| MOUNT VERNON BANK&TRUST CO | MOUNT VERNON | 58.87% |
| BREDA SAVINGS BANK | BREDA | 58.80% |
| SUCCESS BANK | BLOOMFIELD | 58.79% |
| FIRST CENTRAL STATE BANK | DEWITT | 58.71% |
| PIONEER BANK | SERGEANT BLUFF | 58.54% |
| NORTHEAST SECURITY BANK | SUMNER | 58.09% |
| CITIZENS STATE BANK | SHELDON | 58.00% |
| MIDWESTONE BANK | IOWA CITY | 57.75% |
| FIRST STATE BANK | STUART | 57.56% |
| CONNECTION BANK | FORT MADISON | 57.31% |
| CLEAR LAKE BANK&TRUST CO | CLEAR LAKE | 57.21% |
| WAUKON STATE BANK | WAUKON | 57.20% |
| RELIANCE STATE BANK | STORY CITY | 57.20% |
| LIBERTY NATIONAL BANK | SIOUX CITY | 56.89% |
| CITIZENS 1ST NB STORM LAKE | STORM LAKE | 56.88% |
| BRIDGE COMMUNITY BANK | MOUNT VERNON | 56.57% |
| CUSB BANK | CRESCO | 56.57% |
| COMMUNITY STATE BANK | SPENCER | 56.55% |
| MIDWEST HERITAGE BANK FSB | WEST DES MOINES | 56.54% |
| FARMERS&MERCHANTS STATE BANK | WINTERSET | 56.47% |
| FARMERS SAVINGS BANK&TRUST | TRAER | 56.37% |
| GREEN BELT BANK&TRUST | IOWA FALLS | 55.98% |
| WEST IOWA BANK | WEST BEND | 55.97% |
| MAQUOKETA STATE BANK | MAQUOKETA | 55.88% |
| NSB BANK | MASON CITY | 55.61% |
| LIBERTY TRUST&SAVINGS BANK | DURANT | 55.36% |
| IOWA STATE SAVINGS BANK | CRESTON | 55.36% |
| HARDIN COUNTY SAVINGS BANK | ELDORA | 55.31% |
| SLOAN STATE BANK | SLOAN | 55.26% |
| FREEDOM FINANCIAL BANK | WEST DES MOINES | 55.23% |
| IOWA FALLS STATE BANK | IOWA FALLS | 55.20% |
| FARMERS STATE BANK | YALE | 54.73% |
| SECURITY NB OF SIOUX CITY IA | SIOUX CITY | 54.69% |
| SECURITY SAVINGS BANK | GOWRIE | 54.53% |
| QUAD CITY BANK&TRUST CO | BETTENDORF | 54.51% |
| FIRST STATE BANK | LYNNVILLE | 54.45% |
| IOWA SAVINGS BANK | CARROLL | 54.33% |
| AMERICAN STATE BANK | OSCEOLA | 54.25% |
| FIRST BANK HAMPTON | HAMPTON | 54.12% |
| STATE BANK&TRUST CO | NEVADA | 53.90% |
| MARION COUNTY STATE BANK | PELLA | 53.87% |
| AMERICAN STATE BANK | SIOUX CENTER | 53.70% |
| IOWA STATE BANK | SAC CITY | 53.63% |
| SHELBY COUNTY STATE BANK | HARLAN | 53.63% |
| UNITED BANK&TRUST CO | HAMPTON | 53.48% |
| PRINCIPAL BANK | DES MOINES | 53.04% |
| PEOPLES BANK | ROCK VALLEY | 52.98% |
| IOWA TRUST&SAVINGS BANK | CENTERVILLE | 52.97% |
| PINNACLE BANK | MARSHALLTOWN | 52.74% |
| FIRST BANK | WAVERLY | 52.69% |
| IOWA STATE BANK | CLARKSVILLE | 52.36% |
| LUANA SAVINGS BANK | LUANA | 52.31% |
| SIBLEY STATE BANK | SIBLEY | 52.30% |
| NORTHSTAR BANK | ESTHERVILLE | 52.26% |
| WEST BANK | WEST DES MOINES | 52.25% |
| BLUE GRASS SAVINGS BANK | BLUE GRASS | 52.01% |
| IOWA STATE BANK | HULL | 51.92% |
| STATE BANK OF SCHALLER | SCHALLER | 51.77% |
| TEMPLETON SAVINGS BANK | TEMPLETON | 51.42% |
| CRAWFORD COUNTY T&SB | DENISON | 51.37% |
| ROLLING HILLS BANK&TRUST | ATLANTIC | 51.24% |
| HEARTLAND BANK | SOMERS | 50.98% |
| COMMERCIAL SAVINGS BANK | CARROLL | 50.88% |
| CHELSEA SAVINGS BANK | BELLE PLAINE | 50.63% |
| EXCHANGE STATE BANK | AMES | 50.50% |
| FIRST STATE BANK | NASHUA | 50.25% |
| HOME STATE BANK | ROYAL | 49.70% |
| SAVINGS BANK | PRIMGHAR | 49.41% |
| FIRST CITIZENS BANK | MASON CITY | 49.39% |
| ATKINS SAVINGS BANK&TRUST | ATKINS | 49.38% |
| WHITE STATE BANK | SOUTH ENGLISH | 49.20% |
| HOME TRUST&SAVINGS BANK | OSAGE | 49.16% |
| HOUGHTON STATE BANK | RED OAK | 49.10% |
| FIRST IOWA STATE BANK | ALBIA | 49.06% |
| HILLS BANK&TRUST CO | HILLS | 48.27% |
| PRIMEBANK | LE MARS | 47.70% |
| GLENWOOD STATE BANK | GLENWOOD | 47.40% |
| CEDAR RAPIDS BANK&TRUST CO | CEDAR RAPIDS | 47.10% |
| AUDUBON STATE BANK | AUDUBON | 47.06% |
| FIRST WHITNEY BANK&TRUST | ATLANTIC | 46.66% |
| WASHINGTON STATE BANK | WASHINGTON | 44.68% |
| SECURITY STATE BANK | ALGONA | 44.45% |
| BELLEVUE STATE BANK | BELLEVUE | 44.17% |
| PILOT GROVE SAVINGS BANK | PILOT GROVE | 43.65% |
| READLYN SAVINGS BANK | READLYN | 42.78% |
| FARMERS TRUST&SAVINGS BANK | WILLIAMSBURG | 42.25% |
| STATE SAVINGS BANK | BEDFORD | 42.04% |
| SOLON STATE BANK | SOLON | 41.75% |
| NEW ALBIN SAVINGS BANK | NEW ALBIN | 41.32% |
| PREMIER BANK | ROCK VALLEY | 40.84% |
| STATE SAVINGS BANK | RAKE | 39.85% |
| FIRST STATE BANK | BRITT | 37.61% |
| CORYDON STATE BANK | CORYDON | 36.21% |
| MONTEZUMA STATE BANK | MONTEZUMA | 36.12% |
| POCAHONTAS STATE BANK | POCAHONTAS | 34.49% |
| SECURITY STATE BANK | SUTHERLAND | 29.60% |
| ITS BANK | JOHNSTON | 11.58% |