State Rankings & Insights
See how banks across PENNSYLVANIA 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: 74.89%
- Median: 70.37%
- Min / Max: 33.67% — 211.97%
Top banks by Efficiency Ratio in PENNSYLVANIA
TIOGA-FRANKLIN SAVINGS BANK – PHILADELPHIACOMPASS SAVINGS BANK – WILMERDINGSHARON BANK – SPRINGFIELDARMSTRONG COUNTY BLDG&LA – FORD CITYMILTON SAVINGS BANK – MILTONIRON WORKERS SAVINGS BANK – ASTONUNITED BANK OF PHILADELPHIA – PHILADELPHIASLOVENIAN S&LA FRANKLIN-CONE – CONEMAUGHWILLIAM PENN BANK – LEVITTOWNUNB BANK – MOUNT CARMEL
Count
122
Sum
9137.18%
Avg
74.89%
Median
70.37%
Min
33.67%
Max
211.97%
| Bank | City | Efficiency Ratio |
|---|---|---|
| TIOGA-FRANKLIN SAVINGS BANK | PHILADELPHIA | 211.97% |
| COMPASS SAVINGS BANK | WILMERDING | 168.56% |
| SHARON BANK | SPRINGFIELD | 119.77% |
| ARMSTRONG COUNTY BLDG&LA | FORD CITY | 116.67% |
| MILTON SAVINGS BANK | MILTON | 115.16% |
| IRON WORKERS SAVINGS BANK | ASTON | 113.31% |
| UNITED BANK OF PHILADELPHIA | PHILADELPHIA | 112.31% |
| SLOVENIAN S&LA FRANKLIN-CONE | CONEMAUGH | 107.34% |
| WILLIAM PENN BANK | LEVITTOWN | 103.22% |
| UNB BANK | MOUNT CARMEL | 101.78% |
| CLARION CNTY CMTY BANK | CLARION | 97.91% |
| VANGUARD NATIONAL TR CO NA | MALVERN | 96.80% |
| CITIZENS SAVINGS BANK | CLARKS SUMMIT | 95.70% |
| COUNTY SAVINGS BANK | ESSINGTON | 93.84% |
| MARQUETTE SAVINGS BANK | ERIE | 92.64% |
| CFSBANK | CHARLEROI | 91.20% |
| WESTMORELAND FS&LA | LATROBE | 90.88% |
| BRENTWOOD BANK | BETHEL PARK | 90.75% |
| PENNCREST BANK | ALTOONA | 90.74% |
| 1ST SUMMIT BANK | JOHNSTOWN | 89.63% |
| FIRST FS&LA OF GREENE CO | WAYNESBURG | 89.42% |
| GLENMEDE TRUST CO NA | PHILADELPHIA | 89.04% |
| GREENVILLE SAVINGS BANK | GREENVILLE | 88.88% |
| MAUCH CHUNK TRUST CO | JIM THORPE | 88.78% |
| COMMERCIAL BANK&TRUST OF PA | LATROBE | 88.74% |
| HUNTINGDON SAVINGS BANK | HUNTINGDON | 88.54% |
| INVESTMENT SAVINGS BANK | ALTOONA | 88.28% |
| AMBLER SAVINGS BANK | AMBLER | 86.20% |
| FARMERS BLDG&SVG BANK | ROCHESTER | 85.68% |
| PENNIAN BANK | MIFFLINTOWN | 85.41% |
| FIRST UNITED NATIONAL BANK | FRYBURG | 84.36% |
| QUAINT OAK BANK | SOUTHAMPTON | 84.21% |
| PENN COMMUNITY BANK | DOYLESTOWN | 83.28% |
| ACNB BANK | GETTYSBURG | 81.69% |
| FLEETWOOD BANK | FLEETWOOD | 81.59% |
| HAVERFORD TRUST CO | RADNOR | 81.41% |
| NORTHUMBERLAND NATIONAL BANK | NORTHUMBERLAND | 80.30% |
| SUSQUEHANNA COMMUNITY BANK | WEST MILTON | 79.93% |
| RELIANCE SAVINGS BANK | ALTOONA | 79.64% |
| COMMUNITY BANK | CARMICHAELS | 79.58% |
| AMERISERV FINANCIAL BANK | JOHNSTOWN | 79.45% |
| ENTERPRISE BANK | ALLISON PARK | 79.35% |
| MARION CENTER BANK | INDIANA | 79.08% |
| FIRST KEYSTONE CMTY BANK | BERWICK | 78.93% |
| PHOENIXVILLE FEDERAL B&T | PHOENIXVILLE | 78.91% |
| DOLLAR BANK FSB | PITTSBURGH | 78.57% |
| BNY MELLON NATIONAL ASSN | PITTSBURGH | 78.20% |
| HYPERION BANK | PHILADELPHIA | 77.94% |
| COMMUNITY STB OF ORBISONIA | ORBISONIA | 77.69% |
| PRESENCE BANK | COATESVILLE | 75.60% |
| NEFFS NATIONAL BANK | NEFFS | 74.95% |
| MCS BANK | MILROY | 74.80% |
| INFIRST BANK | INDIANA | 74.50% |
| WOODLANDS BANK | WILLIAMSPORT | 74.22% |
| WASHINGTON FINANCIAL BANK | WASHINGTON | 74.20% |
| VICTORY BANK | LIMERICK | 73.96% |
| MERCER COUNTY STATE BANK | SANDY LAKE | 73.66% |
| APOLLO TRUST CO | APOLLO | 72.70% |
| ESSA BANK&TRUST | STROUDSBURG | 72.39% |
| JIM THORPE NEIGHBORHOOD BANK | JIM THORPE | 71.99% |
| SSB BANK | PITTSBURGH | 70.72% |
| SOMERSET TRUST CO | SOMERSET | 70.02% |
| ALTOONA FIRST SAVINGS BANK | ALTOONA | 69.86% |
| NEW TRIPOLI BANK | NEW TRIPOLI | 69.86% |
| FARMERS&MERCHANTS TR CHAMBER | CHAMBERSBURG | 69.45% |
| HAMLIN BANK&TRUST CO | SMETHPORT | 69.25% |
| ATLANTIC CMTY BANKERS BANK | CAMP HILL | 68.92% |
| CITIZENS&NORTHERN BANK | WELLSBORO | 68.78% |
| CNB BANK | CLEARFIELD | 68.73% |
| KISH BANK | BELLEVILLE | 68.57% |
| PHILADELPHIA TRUST CO | PHILADELPHIA | 68.56% |
| JONESTOWN B&T JONESTOWN PA | JONESTOWN | 68.48% |
| BANK OF BIRD-IN-HAND | BIRD IN HAND | 68.24% |
| EPHRATA NATIONAL BANK | EPHRATA | 68.14% |
| HOMETOWN BANK OF PA | BEDFORD | 68.08% |
| SECOND FS&LA OF PHILADELPHIA | PHILADELPHIA | 67.26% |
| JERSEY SHORE STATE BANK | WILLIAMSPORT | 66.56% |
| QNB BANK | QUAKERTOWN | 66.49% |
| MERIDIAN BANK | WAYNE | 65.66% |
| UNITED SAVINGS BANK | PHILADELPHIA | 65.51% |
| JUNIATA VALLEY BANK | MIFFLINTOWN | 64.78% |
| HATBORO FEDERAL SAVINGS FA | HATBORO | 64.56% |
| EMBASSY BK LEHIGH VALLEY | BETHLEHEM | 64.34% |
| FIRST NATIONAL TRUST CO | HERMITAGE | 64.18% |
| JOURNEY BANK | BLOOMSBURG | 63.94% |
| WEST VIEW SAVINGS BANK | PITTSBURGH | 61.88% |
| FIRST NORTHERN BANK&TRUST CO | PALMERTON | 61.81% |
| FIRST NB&T CO OF NEWTOWN | NEWTOWN | 61.30% |
| FIDELITY DEPOSIT&DISCOUNT BK | DUNMORE | 61.05% |
| SEWICKLEY SAVINGS BANK | SEWICKLEY | 60.84% |
| LUZERNE BANK | LUZERNE | 60.25% |
| MID PENN BANK | MILLERSBURG | 60.23% |
| UNIVEST BANK&TRUST CO | SOUDERTON | 59.90% |
| FIRST RESOURCE BANK | EXTON | 59.63% |
| HONESDALE NATIONAL BANK | HONESDALE | 59.16% |
| HARLEYSVILLE BANK | HARLEYSVILLE | 59.05% |
| FIRST CITIZENS CMTY BANK | MANSFIELD | 58.99% |
| DIME BANK | HONESDALE | 58.92% |
| WAYNE BANK | HONESDALE | 58.52% |
| MIFFLINBURG BANK&TRUST CO | MIFFLINBURG | 58.23% |
| FIRST COMMONWEALTH BANK | INDIANA | 57.89% |
| SEI PRIVATE TRUST CO | OAKS | 57.61% |
| ORRSTOWN BANK | HARRISBURG | 56.92% |
| NORTHWEST BANK | WARREN | 56.49% |
| S&T BANK | INDIANA | 56.20% |
| FULTON BANK NATIONAL ASSN | LANCASTER | 55.68% |
| PEOPLES SECURITY B&T CO | DUNMORE | 55.29% |
| FIRST NB OF PENNSYLVANIA | GREENVILLE | 55.07% |
| PS BANK | WYALUSING | 54.73% |
| FIRSTRUST SAVINGS BANK | CONSHOHOCKEN | 53.70% |
| ELDERTON STATE BANK | ELDERTON | 51.82% |
| CUSTOMERS BANK | MALVERN | 51.56% |
| NEXTIER BANK NATIONAL ASSN | KITTANNING | 51.29% |
| BANK OF LANDISBURG | LANDISBURG | 51.13% |
| ASIAN BANK | PHILADELPHIA | 50.93% |
| NATIONAL BANK OF MALVERN | MALVERN | 50.63% |
| AMERICAN BANK | ALLENTOWN | 50.32% |
| TRISTATE CAPITAL BANK | PITTSBURGH | 49.38% |
| LINKBANK | CAMP HILL | 45.17% |
| TURBOTVILLE NATIONAL BANK | TURBOTVILLE | 43.55% |
| SLOVENIAN S&LA OF CANONSBURG | STRABANE | 43.22% |
| PORT RICHMOND SAVINGS | PHILADELPHIA | 33.67% |