State Rankings & Insights
See how banks across MICHIGAN 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: 70.55%
- Median: 69.42%
- Min / Max: -76.35% — 172.41%
Top banks by Efficiency Ratio in MICHIGAN
Count
78
Sum
5502.75%
Avg
70.55%
Median
69.42%
Min
-76.35%
Max
172.41%
| Bank | City | Efficiency Ratio |
|---|---|---|
| COMMUNITY UNITY BANK | BIRMINGHAM | 172.41% |
| FIRST STATE BANK OF DECATUR | DECATUR | 131.16% |
| AUTO CLUB TRUST FSB | DEARBORN | 126.01% |
| DEARBORN FSB | DEARBORN | 106.99% |
| CHOICEONE BANK | SPARTA | 105.10% |
| FIRST NB OF ST IGNACE | ST. IGNACE | 102.14% |
| STATE SAVINGS BANK | FRANKFORT | 97.38% |
| BANK MICHIGAN | BROOKLYN | 95.98% |
| UNIVERSITY BANK | ANN ARBOR | 91.77% |
| GRAND RIVER BANK | GRANDVILLE | 90.51% |
| COMERICA B&T NA | ANN ARBOR | 89.71% |
| HOMESTEAD SAVINGS BANK | ALBION | 88.27% |
| UNION BANK | GRAND RAPIDS | 87.54% |
| KALAMAZOO COUNTY STATE BANK | SCHOOLCRAFT | 84.20% |
| FIRST NB OF WAKEFIELD | WAKEFIELD | 83.55% |
| DART BANK | MASON | 83.40% |
| FIRST INDEPENDENCE BANK | DETROIT | 82.83% |
| HURON COMMUNITY BANK | EAST TAWAS | 81.83% |
| GOGEBIC RANGE BANK | IRONWOOD | 81.65% |
| EATON COMMUNITY BANK | CHARLOTTE | 81.05% |
| MINERS STATE BANK | IRON RIVER | 80.58% |
| CITIZENS NB OF CHEBOYGAN | CHEBOYGAN | 79.30% |
| STURGIS BANK&TRUST CO | STURGIS | 79.09% |
| SUPERIOR NATIONAL BANK | HANCOCK | 78.98% |
| PEOPLES STB OF MUNISING | MUNISING | 78.89% |
| SHELBY STATE BANK | SHELBY | 78.17% |
| GREENLEAF TRUST NA | KALAMAZOO | 78.17% |
| FIRST NATIONAL BANK&TRUST CO | IRON MOUNTAIN | 77.95% |
| WEST SHORE BANK | LUDINGTON | 77.07% |
| NORTHERN INTERSTATE BANK N A | NORWAY | 76.71% |
| MAYVILLE STATE BANK | MAYVILLE | 76.28% |
| G W JONES EXCHANGE BANK | MARCELLUS | 75.30% |
| PLANTE MORAN TRUST NA | SOUTHFIELD | 74.13% |
| STATE SB OF MANISTIQUE | MANISTIQUE | 73.45% |
| HURON STATE BANK | ROGERS CITY | 73.14% |
| COUNTY NATIONAL BANK | HILLSDALE | 72.55% |
| UPPER PENINSULA STATE BANK | ESCANABA | 72.32% |
| MI BANK | BLOOMFIELD TOWNS | 70.55% |
| ISABELLA BANK | MOUNT PLEASANT | 69.60% |
| OXFORD BANK | OXFORD | 69.25% |
| FIRST NB OF MICHIGAN | KALAMAZOO | 68.66% |
| RANGE BANK | MARQUETTE | 68.20% |
| FIRST COMMUNITY BANK | HARBOR SPRINGS | 67.72% |
| HURON VALLEY STATE BANK | MILFORD | 67.48% |
| SOUTHERN MICHIGAN BANK&TRUST | COLDWATER | 67.01% |
| BLISSFIELD STATE BANK | BLISSFIELD | 66.64% |
| HIGHPOINT COMMUNITY BANK | HASTINGS | 66.56% |
| UNITED BANK OF MICHIGAN | GRAND RAPIDS | 66.51% |
| BAY PORT STATE BANK | BAY PORT | 66.04% |
| FIRST STATE BANK | EASTPOINTE | 65.97% |
| HONOR BANK | HONOR | 65.08% |
| LAKE-OSCEOLA STATE BANK | BALDWIN | 64.88% |
| COMMERCIAL BANK | ITHACA | 64.06% |
| EASTERN MICHIGAN BANK | CROSWELL | 63.65% |
| 1ST STATE BANK | SAGINAW | 62.88% |
| BAYBANK | GLADSTONE | 62.65% |
| FIRST BANK UPPER MICHIGAN | GLADSTONE | 61.15% |
| INDEPENDENT BANK | GRAND RAPIDS | 60.96% |
| NORTHSTAR BANK | BAD AXE | 60.92% |
| CHARLEVOIX STATE BANK | CHARLEVOIX | 58.73% |
| CAPITOL NATIONAL BANK | LANSING | 58.26% |
| ALDEN STATE BANK | ALDEN | 57.99% |
| SIDNEY STATE BANK | SIDNEY | 57.90% |
| THUMB BANK&TRUST | PIGEON | 56.75% |
| CHELSEA STATE BANK | CHELSEA | 56.64% |
| CENTURY BANK&TRUST | COLDWATER | 55.24% |
| WEST MICHIGAN COMMUNITY BANK | HUDSONVILLE | 54.83% |
| NORTHPOINTE BANK | GRAND RAPIDS | 53.94% |
| PORT AUSTIN STATE BANK | PORT AUSTIN | 52.75% |
| MERCANTILE BANK | GRAND RAPIDS | 51.20% |
| CENTRAL SAVINGS BANK | SAULT SAINTE MAR | 49.96% |
| CITIZENS STATE BANK | ROYAL OAK | 47.49% |
| BANK OF ANN ARBOR | ANN ARBOR | 47.44% |
| TRI-COUNTY BANK | BROWN CITY | 44.76% |
| MACATAWA BANK NATIONAL ASSN | HOLLAND | 40.04% |
| FIRST NB OF AMERICA | EAST LANSING | 23.20% |
| JPMORGAN CHASE BANK DEARBORN | DEARBORN | 0.00% |
| STERLING BANK&TRUST FSB | SOUTHFIELD | -76.35% |