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Efficiency ratio of the commercial banking industry in the U.S. from 1st quarter 2003 to 2nd quarter 2025

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Source

Release date

September 2025

Region

United States

Survey time period

Q1 2003 to Q2 2025

Supplementary notes

Data refers to bank holding companies and banks.

Citation formats

Quarterly efficiency ratio of the U.S. banking industry 2003-2025

Published by K. Scholle, Nov 5, 2025

The efficiency ratio of the U.S. banking industry fluctuated significantly between 2003 and 2025, signaling the varying performance and stability of the industry. The ratio, which measures the non-interest expense as a percentage of the net operating revenue, was **** percent in the second quarter of 2025, notably lower than in the same quarter in the previous year. The highest efficiency ratios were measured during the global financial crisis in 2008.

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