State Rankings & Insights
See how banks across OHIO 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: 75.00%
- Median: 72.28%
- Min / Max: 16.54% — 230.74%
Top banks by Efficiency Ratio in OHIO
FORTUNA BANK – GRANDVIEW HEIGHTADELPHI BANK – COLUMBUSFIRST FS&LA OF LORAIN – LORAINPIONEER SAVINGS BANK – CLEVELANDFIRST FS&LA – CENTERBURGPREFERRED LEGACY NATL TR BK – CANTONNEW FOUNDATION SAVINGS BANK – CINCINNATIEQUITABLE SAVINGS&LOAN CO – CADIZBROOKVILLE BLDG&SVG ASSN – BROOKVILLEFIRST BANK OF CENTRAL OHIO – WORTHINGTON
Count
166
Sum
12449.97%
Avg
75.00%
Median
72.28%
Min
16.54%
Max
230.74%
| Bank | City | Efficiency Ratio |
|---|---|---|
| FORTUNA BANK | GRANDVIEW HEIGHT | 230.74% |
| ADELPHI BANK | COLUMBUS | 138.01% |
| FIRST FS&LA OF LORAIN | LORAIN | 121.33% |
| PIONEER SAVINGS BANK | CLEVELAND | 120.98% |
| FIRST FS&LA | CENTERBURG | 120.74% |
| PREFERRED LEGACY NATL TR BK | CANTON | 118.21% |
| NEW FOUNDATION SAVINGS BANK | CINCINNATI | 113.84% |
| EQUITABLE SAVINGS&LOAN CO | CADIZ | 111.96% |
| BROOKVILLE BLDG&SVG ASSN | BROOKVILLE | 110.21% |
| FIRST BANK OF CENTRAL OHIO | WORTHINGTON | 108.15% |
| MONROE FS&LA | TIPP CITY | 106.74% |
| GREENWAY BANK | VAN WERT | 104.90% |
| FIDELITY FS&LA OF DELAWARE | DELAWARE | 104.24% |
| GREENVILLE FEDERAL | GREENVILLE | 103.89% |
| WARSAW FS&LA | CINCINNATI | 103.72% |
| FIRST FS&LA OF VAN WERT | VAN WERT | 103.61% |
| CONNEAUT SAVINGS BANK | CONNEAUT | 103.19% |
| HOMETOWN BANK | KENT | 101.57% |
| PEOPLES SAVINGS&LOAN CO | BUCYRUS | 100.73% |
| FIRST NB OF WAVERLY | WAVERLY | 100.70% |
| SOUTHERN HILLS CMTY BANK | LEESBURG | 99.90% |
| PEOPLES BANK | GAMBIER | 99.81% |
| HOME FS&LA OF NILES | NILES | 94.88% |
| 1ST NATIONAL BANK | LEBANON | 94.80% |
| COMMUNITY SAVINGS BANK | BETHEL | 94.09% |
| COMMUNITY FIRST BANK NA | FOREST | 94.06% |
| HOME SB OF WAPAKONETA | WAPAKONETA | 93.43% |
| FIRST FEDERAL BANK OF OHIO | GALION | 92.88% |
| FIRST FS&LA | NEWARK | 91.60% |
| MERCER SAVINGS BANK | CELINA | 91.40% |
| LIBERTY BANK | IRONTON | 89.78% |
| METAMORA STATE BANK | METAMORA | 88.36% |
| GALION BUILDING&LOAN BANK | GALION | 88.04% |
| FAIRFIELD FS&LA OF LANCASTER | LANCASTER | 88.00% |
| CITIZENS FS&LA | BELLEFONTAINE | 87.06% |
| SHERWOOD STATE BANK | SHERWOOD | 86.86% |
| FIRST NB OF PANDORA | PANDORA | 86.55% |
| FIRST CITIZENS NB UPPER SAND | UPPER SANDUSKY | 86.51% |
| FIRST NB OF BELLEVUE | BELLEVUE | 86.20% |
| BUCKEYE COMMUNITY BANK | ELYRIA | 86.12% |
| FIRST FS&LA OF LAKEWOOD | LAKEWOOD | 85.85% |
| VALLEY CENTRAL BANK | LIBERTY TOWNSHIP | 84.57% |
| UNION BANKING CO | WEST MANSFIELD | 83.68% |
| SAVINGS BANK | CIRCLEVILLE | 83.29% |
| FIRST MUTUAL BANK FSB | BELPRE | 83.15% |
| HOME S&L KENTON OH DBA HSLC | KENTON | 83.07% |
| HOME NATIONAL BANK | RACINE | 82.59% |
| FIRST NB OF GERMANTOWN | GERMANTOWN | 81.69% |
| FIRST FED CMTY BK OF BUCYRUS | BUCYRUS | 81.31% |
| BELMONT SAVINGS BANK | BELLAIRE | 81.27% |
| CREDIT FIRST NATIONAL ASSN | BROOK PARK | 81.14% |
| MECHANICS BANK | MANSFIELD | 81.08% |
| NATIONWIDE TRUST CO FSB | COLUMBUS | 80.92% |
| BUCKEYE STATE BANK | POWELL | 80.69% |
| ANDOVER BANK | ANDOVER | 80.65% |
| LIBERTY SAVINGS BANK FSB | WILMINGTON | 80.48% |
| PEOPLES SAVINGS&LOAN CO | WEST LIBERTY | 80.38% |
| FARMERS STATE BANK | WEST SALEM | 80.31% |
| RIVERSIDE BANK OF DUBLIN | DUBLIN | 80.20% |
| HICKSVILLE BANK | HICKSVILLE | 80.14% |
| KINGSTON NATIONAL BANK | KINGSTON | 79.97% |
| FIRST NB OF DENNISON | DENNISON | 79.92% |
| ANTWERP EXCHANGE BANK CO | ANTWERP | 78.94% |
| TWIN VALLEY BANK | WEST ALEXANDRIA | 78.40% |
| GENOA BANKING CO | GENOA | 78.40% |
| PEOPLES SAVINGS BANK | URBANA | 78.38% |
| SOMERVILLE BANK | EATON | 77.75% |
| PEOPLES FIRST SAVINGS BANK | MASON | 77.58% |
| WOODSFIELD SAVINGS BANK | WOODSFIELD | 77.53% |
| FARMERS BANK&SAVINGS CO | POMEROY | 77.48% |
| COMMUNITY BANK | ZANESVILLE | 76.79% |
| FIRST CENTRAL NB OF ST PARIS | ST. PARIS | 76.74% |
| PEOPLES STATE BANK | NEW LEXINGTON | 76.26% |
| RIVERHILLS BANK | MILFORD | 74.90% |
| CITIZENS NB OF WOODSFIELD | WOODSFIELD | 74.88% |
| HAMLER STATE BANK | HAMLER | 74.69% |
| WATERFORD COMMERCIAL&SVG BK | WATERFORD | 74.42% |
| FIRST NB OF BLANCHESTER | BLANCHESTER | 74.37% |
| NORTH VALLEY BANK | ZANESVILLE | 73.88% |
| PEOPLES SAVINGS BANK | NEW MATAMORAS | 73.03% |
| WILMINGTON SAVINGS BANK | WILMINGTON | 72.97% |
| PORTAGE COMMUNITY BANK | RAVENNA | 72.43% |
| STATE BANK&TRUST CO | DEFIANCE | 72.34% |
| CONSUMERS NATIONAL BANK | MINERVA | 72.23% |
| FIRST NB OF MCCONNELSVILLE | MCCONNELSVILLE | 72.05% |
| FIRST FS&LA | DELTA | 71.27% |
| NATIONAL COOP BANK N A | HILLSBORO | 70.71% |
| BALTIC STATE BANK | BALTIC | 70.67% |
| CROGHAN COLONIAL BANK | FREMONT | 70.40% |
| LCNB NATIONAL BANK | LEBANON | 70.39% |
| MIAMI SAVINGS BANK | MIAMITOWN | 70.27% |
| UNION BANK CO | COLUMBUS GROVE | 69.85% |
| UNITED MIDWEST SB NA | DEGRAFF | 69.80% |
| NEW CARLISLE FSB | NEW CARLISLE | 69.41% |
| COMMUNITY SAVINGS | CALDWELL | 69.37% |
| OHIO STATE BANK | BEXLEY | 68.88% |
| RICHWOOD BANKING CO | RICHWOOD | 68.81% |
| VINTON COUNTY NATIONAL BANK | MCARTHUR | 68.34% |
| HARRISON BUILDING&LOAN ASSN | HARRISON | 67.71% |
| CITIZENS NB MCCONNELSVILLE | MCCONNELSVILLE | 67.70% |
| CINCINNATUS SAVINGS&LOAN CO | CINCINNATI | 67.04% |
| CORN CITY STATE BANK | DESHLER | 66.28% |
| COVINGTON SAVINGS&LOAN ASSN | COVINGTON | 66.04% |
| CENTERBANK | MILFORD | 65.89% |
| FARMERS STATE BANK | NEW MADISON | 65.73% |
| FARMERS&MERCHANTS BANK | CALDWELL | 65.40% |
| APPLE CREEK BANKING CO | APPLE CREEK | 65.36% |
| WESTFIELD BANK FSB | WESTFIELD CENTER | 65.16% |
| UNION SAVINGS BANK | CINCINNATI | 65.09% |
| CITIZENS BANK CO | BEVERLY | 64.53% |
| MERCHANTS NATIONAL BANK | HILLSBORO | 64.49% |
| FIRST NB OF SYCAMORE | SYCAMORE | 64.48% |
| OLD FORT BANKING CO | OLD FORT | 64.39% |
| OHIO VALLEY BANK CO | GALLIPOLIS | 64.34% |
| KILLBUCK SAVINGS BANK CO | KILLBUCK | 64.02% |
| UNIFIED BANK | MARTINS FERRY | 63.72% |
| FARMERS&MERCHANTS STATE BANK | ARCHBOLD | 63.52% |
| FAHEY BANKING CO | MARION | 63.47% |
| THIRD FS&LA OF CLEVELAND | CLEVELAND | 63.40% |
| SSB COMMUNITY BANK | STRASBURG | 63.07% |
| CIVISTA BANK | SANDUSKY | 62.80% |
| OSGOOD BANK | OSGOOD | 61.68% |
| INDEPENDENCE BANK | INDEPENDENCE | 60.79% |
| HOCKING VALLEY BANK | ATHENS | 60.67% |
| MIDDLEFIELD BANKING CO | MIDDLEFIELD | 60.28% |
| FIRST STATE BANK | WINCHESTER | 60.25% |
| MT VICTORY STATE BANK | MOUNT VICTORY | 60.08% |
| SIGNATURE BANK NATIONAL ASSN | TOLEDO | 59.57% |
| NORTH SIDE BANK&TRUST CO | CINCINNATI | 58.04% |
| FARMERS NB OF CANFIELD | CANFIELD | 57.86% |
| FIFTH THIRD BANK NA | CINCINNATI | 57.84% |
| U S BANK NATIONAL ASSN | CINCINNATI | 57.66% |
| VERSAILLES SAVINGS&LOAN CO | VERSAILLES | 57.52% |
| CFBANK NATIONAL ASSN | COLUMBUS | 57.49% |
| PEOPLES BANK | MARIETTA | 57.29% |
| PARK NATIONAL BANK | NEWARK | 57.26% |
| WATERFORD BANK N A | TOLEDO | 56.85% |
| KEYBANK NATIONAL ASSN | CLEVELAND | 56.75% |
| BANK OF MAGNOLIA CO | MAGNOLIA | 56.00% |
| GUARDIAN SAVINGS BANK | WEST CHESTER | 55.96% |
| GREENVILLE NATIONAL BANK | GREENVILLE | 55.88% |
| FORT JENNINGS STATE BANK | FORT JENNINGS | 55.79% |
| COML&SVG BK MILLERSBURG OH | MILLERSBURG | 55.44% |
| FIRST FINANCIAL BANK | CINCINNATI | 55.19% |
| MAIN STREET BANK CORP | WOOSTER | 54.55% |
| HUNTINGTON NATIONAL BANK | COLUMBUS | 54.38% |
| REPUBLIC BANKING CO | REPUBLIC | 54.34% |
| MINSTER BANK | MINSTER | 54.04% |
| SETTLERS BANK | MARIETTA | 52.17% |
| TRUST CO OF TOLEDO NA | HOLLAND | 51.94% |
| JPMORGAN CHASE BANK NA | COLUMBUS | 51.93% |
| FIRST NB IN NEW BREMEN | NEW BREMEN | 51.49% |
| OTTOVILLE BANK CO | OTTOVILLE | 51.48% |
| PRIVATE TRUST CO NA | CLEVELAND | 51.47% |
| FARMERS&MERCHANTS BANK | MIAMISBURG | 50.86% |
| FARMERS SAVINGS BANK | SPENCER | 49.50% |
| FIRST FEDERAL CMTY BANK NA | DOVER | 49.43% |
| HOME LOAN SAVINGS BANK | COSHOCTON | 48.23% |
| CITIZENS NB OF BLUFFTON | BLUFFTON | 47.33% |
| NATIONAL BK ADAMS CNTY W UNI | WEST UNION | 47.30% |
| SUTTON BANK | ATTICA | 46.48% |
| SPRING VALLEY BANK | WYOMING | 41.28% |
| PEOPLES BANK CO | COLDWATER | 39.51% |
| FIRST BANK OF OHIO | TIFFIN | 36.66% |
| ST HENRY BANK | ST. HENRY | 34.54% |
| FDS BANK | MASON | 16.54% |