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Bank Director’s RankingBanking Study Ranks Top-Performing U.S. Banks

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3 months ago

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Annual study ranks the 300 largest public banks.

NASHVILLE, Tenn., Aug. 25, 2026 /PRNewswire/ — Bank Director, the leading information resource for directors and officers of financial institutions nationwide, released its 2026 RankingBanking study, sponsored by Crowe. The annual study ranks the 300 largest publicly traded banks using year-end 2025 data compiled by Piper Sandler & Co. from S&P Global Market Intelligence. Banks are scored on return on average total assets, return on average tangible common equity, tangible common equity to tangible assets and nonperforming assets to loans and other real estate owned. The scores are added together for a final rank, with lower scores indicating a better performance.

Despite years of upheaval – from post-crisis rules and consolidation to inflation and AI – Bank Director Executive Editor Jackie Stewart found that fundamentals still win. The top 25 posted a median net interest margin of 4.11%, versus 3.57% for the rest of the list, proving that core lending and deposit discipline drive success.

“I think the banks that connect the loan and deposit relationship together” are the ones that are most successful, Kara Baldwin, partner and financial services audit lead at Crowe LLP, says of top performers. “‘We’ll give you this great loan… but you need to bring the deposit relationship.'”

Patrick Vernon, an advisory partner at Crowe Advisory LLC, agrees deposit strength is key: “If you have strong, stable deposits, you’ll have an easier time expanding your margin and profitability.”

Below are the 25 Top-Ranked Banks Overall:

1. Commerce Bancshares (CBSH), Kansas City, MO
2. Bank7 Corp. (BSVN), Oklahoma City, OK
3. Esquire Financial Holdings (ESQ), Jericho, NY
4. Commercial Bancgroup (CBK), Harrogate, TN
5. Northeast Community Bancorp (NECB), White Plains, NY
6. Bank First Corp. (BFC), Manitowoc, WI
7. Farmers & Merchants Bancorp (FMCB), Lodi, CA – TIED
7. Thomasville Bancshares (THVB), Thomasville, GA – TIED
9. City Holding Co. (CHCO), Charleston, WV
10. Nicolet Bankshares (NIC), Green Bay, WI
11. HBT Financial (HBT), Bloomington, IL
12. West Coast Community Bancorp (WCCB), Santa Cruz, CA
13. Westamerica Bancorp. (WABC), San Rafael, CA
14. ACNB Corp. (ACNB), Gettysburg, PA
15. East West Bancorp (EWBC), Pasadena, CA
16. Ameris Bancorp (ABCB), Atlanta, GA
17. Stock Yards Bancorp (SYBT), Louisville, KY
18. Home BancShares (HOMB), Conway, AR
19. Central Bancompany (CBC), Jefferson City, MO
20. California BanCorp (BCAL), San Diego, CA
21. CVB Financial Corp. (CVBF), Ontario, CA
22. Community Trust Bancorp (CTBI), Pikeville, KY
23. Mission Bancorp (MSBC), Bakersfield, CA
24. Republic Bancorp (RBCA.A), Louisville, KY
25. Columbia Banking System (COLB), Tacoma, WA

To access the full ranking, along with the top-performing banks broken out by asset size and state, click here.

Takeaways from RankingBanking:

The top 25 banks posted a median net interest margin of 4.11% for year-end 2025, compared with 3.57% for the remaining institutions on the list, highlighting the importance of core spread income.Banks in the South dominated, accounting for nine of the top 25 spots, while California institutions made up seven.California banks continued to lead the West, with seven of the region’s eight top-25 representatives based in the Golden State; Columbia Banking System was the only Western bank outside California to be a top performer.New this year, Bank Director broke out all 300 institutions by state, available exclusively on BankDirector.com.Active acquirers featured prominently, including SouthState Bank Corp., which recently gained markets in Texas and Colorado through a deal.

To review the full results of Bank Director’s RankingBanking study, along with previous RankingBanking reports, please visit BankDirector.com.

About Bank Director
Bank Director reaches the leaders of the institutions that comprise America’s banking industry. Since 1991, Bank Director has provided board-level research, peer insights and in-depth executive and board services. Built for banks, Bank Director extends into and beyond the boardroom by providing timely and relevant information through Bank Director magazine, board training services and the financial industry’s premier event, Acquire or Be Acquired. For more information, please visit www.BankDirector.com.

About Crowe LLP
Crowe has more than 50 years’ experience serving financial services companies. Their industry-focused team of more than 2,300 banking specialists works with more than 2,900 financial services companies of all sizes.

Crowe operates in an alternative practice structure and provides professional services through two separate entities: Crowe LLP delivers audit and attest services, and Crowe Advisory LLC provides tax, advisory, consulting, and other nonattest services.

The Crowe Global network consists of more than 300 independent accounting and advisory services firms in more than 150 countries around the globe, making it one of the largest accounting networks in the world (as of July 2026). As independent members of Crowe Global, Crowe LLP and Crowe Advisory LLC serve clients worldwide. www.crowe.com/fs 

Source:
For more information, please contact Bank Director’s Marketing Associate, Emma McMillan-Zapf at emcmillan@bankdirector.com.

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SOURCE Bank Director

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The First Cartridge-Free Smart Waterless Diffuser Is Here. What Would You Fill It With?

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2 hours ago

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November 14, 2026

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Lephrone set out to solve a frustration for customers who want smart control over their home fragrance and the freedom to choose their own oils. The H300 is the first waterless diffuser to combine cartridge-free refills, Wi-Fi app control, smart home integration, and an in-app fragrance oil library with scanning and personal notes. Customers can use their favorite compatible oils, create their own blends, and use the app to set a scenting schedule and track how much oil is left.

NEW YORK, Nov. 14, 2026 /PRNewswire-PRWeb/ — “There are thousands of fragrance oils out there, so why lock yourself into just one brand?” said a Lephrone developer.

“Lephrone took the best of the diffuser world and left the worst behind.”

We wanted to make a device for people who need a ritual to unwind and want more control over their surroundings. There’s a whole world of sensory experiences out there, and our goal was to bring the way you manage scent at home into the digital world.

With the H300 lephrone diffuser, we kept what we liked about smart cartridge-based diffusers: Wi-Fi connectivity, lephrone app, voice control, and the ability to recognize oils and track how much is left. We made sure it supports both 2.4 GHz and 5 GHz Wi-Fi. We also did away with what frustrated us most: never-ending subscriptions, cartridges that run out too quickly, and limits on which oils you can use. With the H300, you get to choose the oils you want and create blends you love.

We also added support for multiple users and multiple diffusers, so everyone in the household can control the devices and set schedules. The H300 can run even when it’s offline.

We’re releasing our own fragrances, too. In the app, you can scan them into your personal fragrance library and write down how a scent made you feel, whether you liked it, and what others at home thought of it. That matters because after trying a few oils, it’s easy to forget which one you loved most or which one everyone else kept asking for.

We’re rolling this out to more Lephrone models next. Stay tuned.

Media Contact

Elina, Lephrone, 1 6463844148, info@lephrone.com, Lephrone

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HONGQI EHS4 Set for Global Debut in Venice: Eastern Elegance Arrives in Europe

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November 14, 2026

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VENICE, Italy, Nov. 15, 2026 /PRNewswire/ — HONGQI, one of China’s leading automotive marques, will introduce its all-new all-electric SUV, HONGQI EHS4, to the European market. Making its global debut in Venice, Italy, on 16 November 2026, the EHS4 marks another milestone in the brand’s international expansion.

68 Years of Heritage: A Distinctive Expression of Modern Luxury
Founded in 1958, HONGQI has spent 68 years building its automotive heritage through independent innovation, engineering excellence, and craftsmanship. Guided by a longstanding commitment to quality and safety, the brand continues to bring its distinctive heritage to a global audience.

With its Munich Advanced Design Centre, HONGQI combines global design perspectives with its rich Eastern heritage. Guided by a European Neoclassical Design Philosophy, the EHS4 brings together Eastern design influences and global aesthetics. Developed around European consumer needs, it represents HONGQI’s first model tailored specifically for Europe.

HONGQI EHS4: A New Choice for All-Electric Mobility
Bringing together Eastern and Western design aesthetics, HONGQI EHS4 balances distinctive styling, driving comfort and everyday practicality. Its Celadon Paint draws inspiration from the refined beauty of traditional Longquan celadon, while the Eyes of Infinite Allure lighting design creates a distinctive visual identity. Inside, the Crystal Control Knob adds an elegant touch to the cabin.

With a driving range of up to 470 kilometres and fast-charging capability of approximately 20 minutes, the EHS4 is designed for convenient everyday electric mobility. Its 87.4% space utilization makes intelligent use of interior space, enhancing passenger comfort and practicality.

Safety and quality remain central to its development. Equipped with seven airbags and intelligent driver-assistance technologies, the EHS4 draws on FAW’s more than 70 years of automotive manufacturing expertise to deliver advanced technology, refined driving quality, and dependable vehicle performance.

Venice: A New Chapter in Europe
On 16 November 2026, HONGQI EHS4 will make its global debut at the Scuola Grande di Santa Maria della Misericordia in Venice. The event will bring together European dealers, media representatives, and industry guests to witness an important milestone in HONGQI’s European journey.

A distinctive expression of Eastern elegance, now coming to Europe.

SOURCE HONGQI

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EFICYENT to Join Banks and Fintech Companies at Singapore FinTech Festival 2026

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9 hours ago

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November 14, 2026

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DUBAI, UAE, Nov. 14, 2026 /CNW/ — EFICYENT, a cross-border payment platform, is going to attend the Singapore FinTech Festival (SFF) 2026, which is going to be one of the world’s largest gatherings of the global financial and technology ecosystem.  It will take place between November 18 – 20, 2026, at Singapore. This event will converge policymakers, financial institutions, fintech companies, and investors to discuss the developments that are going to shape the future of fintech.

As financial institutions are desperately discovering new technologies, evolving payment infrastructure, and better ways to move money across borders, SFF 2026 is going to be an ideal platform for industry collaboration and knowledge exchange. The event will explore key forces transforming the financial system, including technology, geoeconomics, capital, talent, and policy, developing opportunities for businesses to engage with global industry leaders and explore emerging possibilities.

By participating in this event, EFICYENT is looking forward to connecting with other fintech companies, banks, financial institutions, and peer industry stakeholders to share their ideas, discover potential collaborations, and hold a conversation on the growing demand for efficient global payment infrastructure. Also, the company’s presence will provide an opportunity to demonstrate how its capabilities can assist businesses navigating increasingly interconnected financial markets.

Ahead of the participation, Aravinth Ramesh, CTO at EFICYENT, said:

“As financial services entered a chapter where businesses expect something beyond the ability to transfer money. They need payment platforms that offer speed, transparency, flexibility, and access to global markets. So I think events like SFF create a better opportunity to know in which direction the industry is moving, to share our perspectives with industry leaders, and explore partnerships that drive meaningful progress.”

Balasubramanyam K, CEO at EFICYENT, added:

“The future of fintech will be shaped by how effectively technology, financial institutions and payment networks work together. And this SFF event is going to remain an excellent opportunity to connect with industry leaders, better understand emerging requirements, and discover new approaches to making cross-border payments more accessible and efficient.”

About EFICYENT

EFICYENT is a global cross-border payments and financial infrastructure platform that concentrates on enabling seamless international money transfers.

They focus on simplifying international transactions and advancing digital finance. EFICYENT is committed to supporting a seamless and interconnected global payments ecosystem.

Media Contact: 
EFICYENT
Dubai, UAE
Website: https://eficyent.com/ 
Email: support@eficyent.com
LinkedIn: https://www.linkedin.com/company/eficyent/

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