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Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
Fifth District Bancorp's Efficiency Overhead Ratio % for the annual that ended in Dec. 2025 was 75.72%
, which is lower than
126.28% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Fifth District Bancorp's Efficiency Overhead Ratio % or its related term are showing as below:
FDSB's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
Fifth District Bancorp (NAS:FDSB) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
Fifth District Bancorp Efficiency Overhead Ratio % Related Terms
Fifth District Bancorp Efficiency Overhead Ratio % Historical Data
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The historical data trend for Fifth District Bancorp's Efficiency Overhead Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fifth District Bancorp Efficiency Overhead Ratio % Chart
FDSB vs UWHR, FSMK, BCOW: Efficiency Overhead Ratio % Comparison
For the Banks - Regional subindustry, Fifth District Bancorp's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fifth District Bancorp (NAS:FDSB) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Efficiency Overhead Ratio % of 0.00% mean?
Fifth District Bancorp (FDSB) has a Efficiency Overhead Ratio % of 0.00% as of Mar. 2026. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Fifth District Bancorp and its competitors.
Is Fifth District Bancorp's Efficiency Overhead Ratio % too high?
Fifth District Bancorp's current Efficiency Overhead Ratio % is 0.00%. Overall, Fifth District Bancorp has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Fifth District Bancorp's Efficiency Overhead Ratio % compare to UWHR and FSMK?
Fifth District Bancorp's Efficiency Overhead Ratio % of 0.00% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Efficiency Overhead Ratio % for a Banks company?
A good Efficiency Overhead Ratio % depends on the Banks industry context. However, Efficiency Overhead Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Efficiency Overhead Ratio % mean?
A high Efficiency Overhead Ratio % can signal that a stock is expensive relative to its fundamentals. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Fifth District Bancorp and its competitors. Fifth District Bancorp's current Efficiency Overhead Ratio % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fifth District Bancorp stock overvalued right now?
Fifth District Bancorp (FDSB) has a current Efficiency Overhead Ratio % of 0.00%. The current Efficiency Overhead Ratio % is 0.00%. Fifth District Bancorp's overall GF Score™ is 16/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Efficiency Overhead Ratio % calculated?
Efficiency Overhead Ratio % is calculated from a company's financial statements. For Fifth District Bancorp (FDSB), the current Efficiency Overhead Ratio % is 0.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Fifth District Bancorp inc is a holding company of Fifth District. The company's loan portfolio consists mainly of fixed-rate one- to four-family residential mortgage loans. It also originates construction loans (residential and commercial), home equity loans, home equity lines of credit, land loans, commercial real estate loans, commercial and industrial loans, and share loans (secured by deposit accounts), and purchase consumer and commercial business loans. The company offers a variety of deposit accounts, including checking accounts, money market accounts, and certificates of deposit. In addition, it offers electronic banking services including mobile banking, online banking, telephone banking, bill pay, and electronic funds transfer via SmartPay.
16GF Score
Get the complete analysis for FDSB
Efficiency Overhead Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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