efficiency

Noninterest Expense to Assets

Annualized noninterest operating expense as a percentage of average assets.

As of Q1 2026FDICNONIXFDICASSETSource retrieved 2026-08-01

National median

2.57%

Middle half

2.14%3.05%

Direction

Lower is favorable

What it means

Why this metric matters

This ratio puts overhead on a size-neutral basis. It complements the efficiency ratio when fee-heavy and spread-heavy business models make revenue comparisons difficult.

How it is calculated

noninterest_expense_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100

Source fields: NONIX + ASSET. Annualized as described in the methodology.

Read the calculation methodology →

National distribution

Across active reporting banks

4,235 observations · Q1 2026

10th percentile

1.77%

25th percentile

2.14%

Median

2.57%

75th percentile

3.05%

90th percentile

3.72%

Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes