Efficiency Ratio — 2025Q1

Updated: 2025-03-31

Metric

NEW YORK·2025-03-31·Banks: 134

State Rankings & Insights

See how banks across NEW YORK 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: 65.02%
Median: 68.98%
Min / Max: 0.00% — 153.98%

Top banks by Efficiency Ratio in NEW YORK

UPSTATE NATIONAL BANK – OGDENSBURG CARVER FEDERAL SAVINGS BANK – NEW YORK GENERATIONS BANK – SENECA FALLS SUNNYSIDE FS&LA OF IRVINGTON – IRVINGTON PIERMONT BANK – NEW YORK UNITED ORIENT BANK – NEW YORK RONDOUT SAVINGS BANK – KINGSTON MODERN BANK NATIONAL ASSN – NEW YORK EASTBANK NATIONAL ASSN – NEW YORK SHINHAN BANK AMERICA – NEW YORK

Count

134

Sum

8712.48%

Avg

65.02%

Median

68.98%

Min

0.00%

Max

153.98%

Bank	City	Efficiency Ratio
UPSTATE NATIONAL BANK	OGDENSBURG	153.98%
CARVER FEDERAL SAVINGS BANK	NEW YORK	144.88%
GENERATIONS BANK	SENECA FALLS	124.34%
SUNNYSIDE FS&LA OF IRVINGTON	IRVINGTON	123.23%
PIERMONT BANK	NEW YORK	116.69%
UNITED ORIENT BANK	NEW YORK	107.46%
RONDOUT SAVINGS BANK	KINGSTON	107.16%
MODERN BANK NATIONAL ASSN	NEW YORK	105.60%
EASTBANK NATIONAL ASSN	NEW YORK	104.66%
SHINHAN BANK AMERICA	NEW YORK	101.13%
EVERCORE TRUST CO NA	NEW YORK	97.56%
FLAGSTAR BANK NATIONAL ASSN	HICKSVILLE	97.36%
NEUBERGER BERMAN TRUST CO NA	NEW YORK	95.94%
GEDDES FS&LA	SYRACUSE	95.63%
GRASSHOPPER BANK N A	NEW YORK	94.08%
BROWN BROTHERS HARRIMAN TR N	NEW YORK	93.87%
ALPINE CAPITAL BANK	NEW YORK	92.62%
NATIONAL BANK OF COXSACKIE	COXSACKIE	91.09%
ULSTER SAVINGS BANK	KINGSTON	90.76%
ADIRONDACK BANK	UTICA	89.97%
CITIZENS NB OF HAMMOND	HAMMOND	88.85%
M Y SAFRA BANK FSB	NEW YORK	87.33%
CROSS COUNTY SAVINGS BANK	MIDDLE VILLAGE	87.22%
WALLKILL VALLEY FS&LA	WALLKILL	85.84%
SAWYER SAVINGS BANK	SAUGERTIES	85.70%
ALMA BANK	ASTORIA	85.48%
HANOVER COMMUNITY BANK	GARDEN CITY PARK	85.46%
SENECA SAVINGS	BALDWINSVILLE	85.35%
GLOBAL BANK	NEW YORK	85.31%
ABACUS FEDERAL SAVINGS BANK	NEW YORK	85.11%
QUONTIC BANK	ASTORIA	84.57%
MAPLE CITY SAVINGS BANK FSB	HORNELL	84.36%
MIZUHO BANK USA	NEW YORK	83.91%
COMMUNITY FSB	WOODHAVEN	83.55%
APPLE BANK	NEW YORK	83.52%
GOUVERNEUR SAVINGS&LOAN ASSN	GOUVERNEUR	83.41%
BESSEMER TRUST CO NA	NEW YORK	82.93%
ADIRONDACK TRUST CO	SARATOGA SPRINGS	82.22%
BANK OF RICHMONDVILLE	COBLESKILL	81.57%
SAVANNAH BANK NATIONAL ASSN	SAVANNAH	81.33%
CAYUGA LAKE NATIONAL BANK	UNION SPRINGS	80.90%
BANK OF CATTARAUGUS	CATTARAUGUS	80.71%
EMPIRE STATE BANK	STATEN ISLAND	80.31%
SOLVAY BANK	SOLVAY	80.15%
ROCKEFELLER TRUST CO NA	NEW YORK	78.68%
RIDGEWOOD SAVINGS BANK	RIDGEWOOD	78.21%
TIOGA STB NA	SPENCER	77.65%
LAKE SHORE SAVINGS BANK	DUNKIRK	77.39%
FIRST NB OF LONG ISLAND	GLEN HEAD	77.37%
DEPOSITORY TRUST CO	NEW YORK	77.32%
FIRST NB OF SCOTIA	SCOTIA	76.69%
FULTON SAVINGS BANK	FULTON	76.02%
INDUSTRIAL&COMMERCIAL BK CHI	NEW YORK	75.88%
BERKSHIRE BANK	NEW YORK	75.73%
CATTARAUGUS COUNTY BANK	LITTLE VALLEY	75.64%
FIRST CENTRAL SAVINGS BANK	GLEN COVE	74.90%
BALLSTON SPA NATIONAL BANK	BALLSTON SPA	74.66%
DELAWARE NB OF DELHI	DELHI	74.52%
CHAMPLAIN NATIONAL BANK	ELIZABETHTOWN	74.40%
CARTHAGE S&L NA	CARTHAGE	72.82%
RHINEBECK BANK	RHINEBECK	71.77%
ALDEN STATE BANK	ALDEN	70.96%
MASSENA SAVINGS&LOAN	MASSENA	70.89%
WALDEN SAVINGS BANK	MONTGOMERY	70.61%
NORTH COUNTRY SAVINGS BANK	CANTON	70.45%
ISRAEL DISCOUNT BANK OF NY	NEW YORK	69.78%
PUTNAM COUNTY NB OF CARMEL	CARMEL	69.26%
AMERICAN COMMUNITY BANK	GLEN COVE	68.71%
STATE STREET B&T CO NA	NEW YORK	68.46%
EVANS BANK NATIONAL ASSN	ANGOLA	67.99%
FIRST NB OF GROTON	GROTON	67.83%
FLUSHING BANK	UNIONDALE	67.71%
POPULAR BANK	NEW YORK	67.15%
ARROW BANK NATIONAL ASSN	GLENS FALLS	66.53%
DEUTSCHE BANK TRUST CO NA	NEW YORK	66.46%
PONCE BANK	BRONX	65.61%
MASPETH FS&LA	MASPETH	65.51%
BANK OF HOLLAND	HOLLAND	65.12%
CHEMUNG CANAL TRUST CO	ELMIRA	64.87%
PIONEER BANK NATIONAL ASSN	ALBANY	64.68%
LYONS NATIONAL BANK	LYONS	64.36%
BANK OF NEW YORK MELLON	NEW YORK	62.64%
GENESEE REGIONAL BANK	ROCHESTER	61.69%
PATHFINDER BANK	OSWEGO	61.27%
NBT BANK NATIONAL ASSN	NORWICH	61.25%
CANANDAIGUA NB&T CO	CANANDAIGUA	61.01%
WOORI AMERICA BANK	NEW YORK	60.53%
DIME COMMUNITY BANK	HAUPPAUGE	60.16%
NORTHFIELD BANK	STATEN ISLAND	59.94%
HABIB AMERICAN BANK	NEW YORK	59.89%
COMMUNITY BANK NATIONAL ASSN	CANTON	59.71%
PCSB BANK	BREWSTER	59.70%
TOMPKINS COMMUNITY BANK	ITHACA	59.42%
INTERAUDI BANK	NEW YORK	57.87%
NEWBANK	FLUSHING	57.87%
TRUSTCO BANK	GLENVILLE	57.86%
MANUFACTURERS&TRADERS TR CO	BUFFALO	57.85%
METROPOLITAN COMMERCIAL BANK	NEW YORK	57.37%
ORANGE BANK&TRUST CO	MIDDLETOWN	55.88%
FIVE STAR BANK	WARSAW	54.67%
SAFRA NB OF NEW YORK	NEW YORK	54.41%
JEFF BANK	JEFFERSONVILLE	54.11%
AMALGAMATED BANK	NEW YORK	52.52%
WATERTOWN SAVINGS BANK	WATERTOWN	52.51%
BANK OF MILLBROOK	MILLBROOK	50.83%
BANK OF GREENE COUNTY	CATSKILL	46.73%
SPRING BANK	BRONX	46.61%
FIRST FS OF MIDDLETOWN	MIDDLETOWN	45.59%
ESQUIRE BANK NATIONAL ASSN	JERICHO	45.37%
FIRST NB OF DRYDEN	DRYDEN	42.22%
BANK OF UTICA	UTICA	40.74%
NORTHEAST COMMUNITY BANK	WHITE PLAINS	40.28%
DEUTSCHE BANK TR CO AMERICAS	NEW YORK	40.07%
AMERASIA BANK	FLUSHING	36.22%
GENERATIONS COMMERCIAL BANK	SENECA FALLS	36.07%
GOLDMAN SACHS BANK USA	NEW YORK	32.40%
EMIGRANT MERCANTILE BANK	NEW YORK	26.47%
MORGAN STANLEY PRIVATE BK NA	PURCHASE	24.67%
GREENE CNTY COMMERCIAL BANK	CATSKILL	16.35%
GS&L MUNICIPAL BANK	GOUVERNEUR	11.74%
WSB MUNICIPAL BANK	WATERTOWN	4.30%
BANK OF EAST ASIA LTD	NEW YORK	0.00%
BANK OF EAST ASIA LTD	NEW YORK	0.00%
BANK OF INDIA	NEW YORK	0.00%
INDUSTRIAL BANK OF KOREA	NEW YORK	0.00%
BANK OF CHINA	NEW YORK	0.00%
METROPOLITAN BANK&TRUST CO	NEW YORK	0.00%
BANK OF BARODA	NEW YORK	0.00%
STATE BANK OF INDIA	NEW YORK	0.00%
ALLIED IRISH BANKS	NEW YORK	0.00%
BANK HAPOALIM B M	NEW YORK	0.00%
BANCO BILBAO VIZCAYA SA	NEW YORK CITY	0.00%
STANDARD CHARTERED BANK PLC	NEW YORK	0.00%
MASHREQBANK PSC	NEW YORK	0.00%