State Rankings & Insights
See how banks across NORTH CAROLINA 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: 75.64%
- Median: 69.06%
- Min / Max: 41.12% — 142.53%
Top banks by Efficiency Ratio in NORTH CAROLINA
TARBORO SAVINGS BANK SSB – TARBORONEW REPUBLIC BANK – CHARLOTTEFIRST SAVINGS&LOAN ASSN – MEBANEBLACK MOUNTAIN SB SSB – BLACK MOUNTAINJACKSON SAVINGS BANK SSB – SYLVATRIAD BUSINESS BANK – GREENSBORORIVERSIDE SAVINGS BANK SSB – ROANOKE RAPIDSHERTFORD SAVINGS BANK SSB – HERTFORDMORGANTON SAVINGS BANK SSB – MORGANTONFIRST FEDERAL BANK – DUNN
Count
40
Sum
3025.43%
Avg
75.64%
Median
69.06%
Min
41.12%
Max
142.53%
| Bank | City | Efficiency Ratio |
|---|---|---|
| TARBORO SAVINGS BANK SSB | TARBORO | 142.53% |
| NEW REPUBLIC BANK | CHARLOTTE | 120.97% |
| FIRST SAVINGS&LOAN ASSN | MEBANE | 117.60% |
| BLACK MOUNTAIN SB SSB | BLACK MOUNTAIN | 116.36% |
| JACKSON SAVINGS BANK SSB | SYLVA | 109.23% |
| TRIAD BUSINESS BANK | GREENSBORO | 99.20% |
| RIVERSIDE SAVINGS BANK SSB | ROANOKE RAPIDS | 93.37% |
| HERTFORD SAVINGS BANK SSB | HERTFORD | 93.02% |
| MORGANTON SAVINGS BANK SSB | MORGANTON | 92.57% |
| FIRST FEDERAL BANK | DUNN | 91.89% |
| PIEDMONT FSB | WINSTON SALEM | 91.66% |
| BELMONT SAVINGS BANK SSB | BELMONT | 90.24% |
| NORTH STATE BANK | RALEIGH | 81.63% |
| FIRST FSB OF LINCOLNTON | LINCOLNTON | 75.99% |
| LUMBEE GUARANTY BANK | PEMBROKE | 74.57% |
| MECHANICS&FARMERS BANK | DURHAM | 74.46% |
| FIRST CAROLINA BANK | ROCKY MOUNT | 71.81% |
| LIFESTORE BANK | WEST JEFFERSON | 71.70% |
| NANTAHALA BANK&TRUST CO | FRANKLIN | 71.19% |
| PEOPLES BANK | NEWTON | 69.55% |
| TAYLORSVILLE SB SSB | TAYLORSVILLE | 68.57% |
| TIAA TRUST NATIONAL ASSN | CHARLOTTE | 67.86% |
| UWHARRIE BANK | ALBEMARLE | 66.72% |
| CEDAR HILL NATIONAL BANK | CHARLOTTE | 66.56% |
| BANK OF OAK RIDGE | OAK RIDGE | 64.30% |
| FIRST-CITIZENS BANK&TRUST CO | RALEIGH | 63.62% |
| AMERICAN BK OF THE CAROLINAS | MONROE | 63.51% |
| LIVE OAK BANKING CO | WILMINGTON | 63.11% |
| SOUTHERN BANK&TRUST CO | MOUNT OLIVE | 61.98% |
| ROXBORO SAVINGS BANK SSB | ROXBORO | 61.29% |
| KS BANK INC | SMITHFIELD | 59.59% |
| HOMETRUST BANK | ASHEVILLE | 59.22% |
| DOGWOOD STATE BANK | RALEIGH | 57.53% |
| BANK OF AMERICA NA | CHARLOTTE | 57.08% |
| TRUIST BANK | CHARLOTTE | 54.07% |
| FARMERS&MERCHANTS BANK | GRANITE QUARRY | 52.97% |
| FIRST BANK | SOUTHERN PINES | 52.89% |
| FIDELITY BANK | FUQUAY VARINA | 51.90% |
| PROVIDENCE BANK | ROCKY MOUNT | 42.00% |
| BLUEHARBOR BANK | MOORESVILLE | 41.12% |