Earnings & efficiency · Versioned metric research
Efficiency ratio (official UBPR)
Noninterest expense as a percent of net interest income plus noninterest income, year-to-date, as published in FFIEC's official UBPR bulk data. This site does not derive its own efficiency ratio, so this is the only value shown for it on /ubpr. Open official FFIEC instructions ↗
Calculation contract
official_ubpr_direct_ingestion
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2026-01-01 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 1068 banks' reported efficiency ratio (official ubpr) values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.
Accessible line chart
Efficiency ratio (official UBPR) — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 60.38 percent | No marker | None |
| 2023-06-30 | 61.165 percent | No marker | None |
| 2023-09-30 | 61.43 percent | No marker | None |
| 2023-12-31 | 62.88 percent | No marker | None |
| 2024-03-31 | 64.63 percent | No marker | None |
| 2024-06-30 | 64.275 percent | No marker | None |
| 2024-09-30 | 63.87 percent | No marker | None |
| 2024-12-31 | 63.61 percent | No marker | None |
| 2025-03-31 | 62.1 percent | No marker | None |
| 2025-06-30 | 60.9 percent | No marker | None |
| 2025-09-30 | 60.12 percent | No marker | None |
| 2025-12-31 | 59.88 percent | No marker | None |
| 2026-03-31 | 59.4 percent | No marker | None |
| 2026-06-30 | 58.675 percent | No marker | None |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.
Historical distribution
Efficiency ratio (official UBPR) across covered banks
Median with interquartile and P10–P90 ranges across verified observations.
View distribution data as a table
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1,068 | 42.29% | 50.78% | 58.67% | 67.30% | 76.56% |
| 2026-03-31 | 1,070 | 43.02% | 51.13% | 59.40% | 68.03% | 78.29% |
| 2025-12-31 | 1,072 | 43.96% | 52.15% | 59.88% | 68.65% | 78.75% |
| 2025-09-30 | 1,073 | 43.62% | 52.38% | 60.12% | 69.35% | 79.35% |
| 2025-06-30 | 1,075 | 44.26% | 53.28% | 60.90% | 70.57% | 80.73% |
| 2025-03-31 | 1,077 | 44.54% | 53.65% | 62.10% | 71.76% | 82.80% |
| 2024-12-31 | 1,079 | 44.54% | 54.86% | 63.61% | 72.98% | 83.94% |
| 2024-09-30 | 1,079 | 43.90% | 54.92% | 63.87% | 73.65% | 84.01% |
| 2024-06-30 | 1,080 | 44.17% | 55.47% | 64.27% | 74.09% | 84.36% |
| 2024-03-31 | 1,081 | 44.21% | 55.72% | 64.63% | 74.96% | 84.88% |
| 2023-12-31 | 1,081 | 43.22% | 53.37% | 62.88% | 72.04% | 81.68% |
| 2023-09-30 | 1,082 | 42.82% | 52.51% | 61.43% | 71.16% | 81.61% |
| 2023-06-30 | 1,082 | 42.40% | 52.09% | 61.17% | 70.67% | 80.53% |
| 2023-03-31 | 1,084 | 42.01% | 51.45% | 60.38% | 69.91% | 79.79% |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.
Current distribution
Percentile history
Percentiles exclude unavailable values; they do not convert missing observations to zero.
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1068 | 42.29% | 50.78% | 58.67% | 67.30% | 76.56% |
| 2026-03-31 | 1070 | 43.02% | 51.13% | 59.40% | 68.03% | 78.29% |
| 2025-12-31 | 1072 | 43.96% | 52.15% | 59.88% | 68.65% | 78.75% |
| 2025-09-30 | 1073 | 43.62% | 52.38% | 60.12% | 69.35% | 79.35% |
| 2025-06-30 | 1075 | 44.26% | 53.28% | 60.90% | 70.57% | 80.73% |
| 2025-03-31 | 1077 | 44.54% | 53.65% | 62.10% | 71.76% | 82.80% |
| 2024-12-31 | 1079 | 44.54% | 54.86% | 63.61% | 72.98% | 83.94% |
| 2024-09-30 | 1079 | 43.90% | 54.92% | 63.87% | 73.65% | 84.01% |
| 2024-06-30 | 1080 | 44.17% | 55.47% | 64.27% | 74.09% | 84.36% |
| 2024-03-31 | 1081 | 44.21% | 55.72% | 64.63% | 74.96% | 84.88% |
| 2023-12-31 | 1081 | 43.22% | 53.37% | 62.88% | 72.04% | 81.68% |
| 2023-09-30 | 1082 | 42.82% | 52.51% | 61.43% | 71.16% | 81.61% |
| 2023-06-30 | 1082 | 42.40% | 52.09% | 61.17% | 70.67% | 80.53% |
| 2023-03-31 | 1084 | 42.01% | 51.45% | 60.38% | 69.91% | 79.79% |
Institution drilldown
Highest reported values
- #1BAYFIRST NATIONAL BANK246.13%
- #2EREBOR BANK N A211.95%
- #3COLONIAL SAVINGS FA192.24%
- #4TRANSPECOS BANKS SSB146.40%
- #5THRIVENT BANK135.46%
- #6UNITED FIDELITY BANK FSB128.24%
- #7FIELDPOINT PRIVATE B&T118.98%
- #8INTERCREDIT BANK NA116.89%
- #9HAVEN SAVINGS BANK115.98%
- #10EVOLVE BANK&TRUST105.44%
Institution drilldown
Lowest reported values
- #1059SQUARE FINL SERVICES INC15.44%
- #1060CHARLES SCHWAB PREMIER BK SS14.86%
- #1061WELLS FARGO BANK S CNTL NA14.50%
- #1062AMERIPRISE BANK FSB10.07%
- #1063GREENE CNTY COMMERCIAL BANK8.82%
- #1064BEAL BANK USA6.02%
- #1065WELLS FARGO TRUST CO NA3.88%
- #1066NANO BANC-5.47%
- #1067CRESCENT BANK-231.54%
- #1068UNION COUNTY SAVINGS BANK-280.71%
Institution discovery
Search verified rankings by quarter
1,068 matched institutions · selected period 2026-06-30
Related metrics
Other definitions from the same schedule or domain
Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.
Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.