efficiency

Salaries Share of Noninterest Expense

Salaries and benefits as a percentage of total noninterest expense.

As of Q1 2026FDICESALFDICNONIXSource retrieved 2026-08-01

National median

56.88%

Middle half

52.24%61.25%

Direction

Context dependent

What it means

Why this metric matters

The share describes the operating cost structure rather than its absolute efficiency. A high value may reflect a service-intensive model, while a low value may indicate heavier occupancy or vendor expense.

How it is calculated

salaries_benefits_ytd / NULLIF(noninterest_expense_ytd, 0) * 100

Source fields: ESAL + NONIX. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,235 observations · Q1 2026

10th percentile

46.67%

25th percentile

52.24%

Median

56.88%

75th percentile

61.25%

90th percentile

65.08%

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